;]~r '/l sdl; {on a s ln= }+ ;ftf ... - centurybank.com.np · 4 jflif{s k |ltj ]bg...

;]~r'/L sdl;{on a}+s ln=

;ftf}+ jflif{s k|ltj]bgcfly{s jif{ @)&#÷&$

;]~r'/L sdl;{on a}+s ln= ;]~r'/L sdl;{on a}+s ln= k|wfg sfof{noM k'tnL;8s, sf7df8f}+

kmf]gM (&&–!–$$$%)^@, kf]=a=g=M @^!)), km\ofS;M (&&–!–$$$!$@@Email: [email protected]

Website: www.centurybank.com.np

;+rfns ;ldlt

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>L nId0f s'df/ >]i7 >LdtL pdf s'df/L >]i7 >L /fh]z /fh bnL ;+rfns, ;+:yfks ;d"x ;~rfns, ;+:yfks ;d"x ;+rfns, ;+:yfks ;d"x

>L dx]z s'df/ cu|jfn >L ;'gLn s'df/ Gof}kfg] >L cleif]s ah|frfo{ ;+rfns, ;+:yfks ;d"x ;~rfns, ;j{;fwf/0f ;d"x ;~rfns, ;j{;fwf/0f ;d"x

hLjg e§/fO{ ;'gL/ s'df/ 9'·]n sDkgL ;lrj ;fe]mbf/

P; P cf/ P;f]l;P6\;\

rf6{8{ PsfpG6]G6\;\

jflif{s k|ltj]bg @)&#÷&$ 1

;]~r'/L sdl;{on a}+s lnld6]8k'tnL;8s, sf7df8f}+sf]

;ftf}+ jflif{s ;fwf/0f;ef a:g] ;DaGwL ;"rgf

cfb/0fLo z]o/wgL dxfg'efjx?,ldlt @)&$÷!!÷)@ -tbg';f/ !$ k]ma'|c/L @)!*_ df a;]sf] o; a}+ssf] ;~rfns ;ldltsf] @%% cf+} a}7ssf] lg0f{ofg';f/

a}+ssf] ;ftf}+ jflif{s ;fwf/0f;ef lgDg lnlvt ldlt, :yfg / ;dodf lgDg ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf]

xF'bf sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dfxfg'efjx?sf] hfgsf/L tyf pkl:yltsf]

nflu of] ;"rgf k|sflzt ul/Psf] 5 .

!= ;ef x'g] ldlt, :yfg / ;do M ;ef x'g] ldlt M– @)&$ kmfu'g #) ut], a'wjf/ -tbg';f/ !$ dfr{ @)!*_

:yfg M– cfdL{ clkm;;{ Sna, eb|sfnL, sf7df8f}+ .

;ef ;'? x'g] ;do M– laxfg !!M)) ah] .

@= 5nkmnsf ljifox? M

s= ;fwf/0f k|:tfjx? M!= cf=j= @)&#÷&$ sf] ;~rfns ;ldltsf] tkm{af6 cWoIfHo"n] k]z ug'{ x'g] jflif{s k|ltj]bg 5nkmn u/L kfl/t ug]{ .

@= ;]~r'/L sdl;{on a}+s ln= / k|fKt u/]sf] ;+:yfx? qmdzM cNkfO{g 8]enkd]G6 a}+s ln= tyf ;]tL kmfOgfG; ln= sf]

cfly{s jif{ @)&#÷)&$ sf] jf;nft, gfkmf–gf]S;fg lx;fj lstfj, gub k|jfx ljj/0f nufot ;+nUg cg';"rLx?

;lxtsf] ljQLo ljj/0f kfl/t ug]{ .

#= sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf !!! cg';f/ cf=j= @)&$÷&% sf] nflu n]vfk/LIf0f ug{ n]vfk/LIf0f

;ldltn] l;kmf/L; u/] adf]lhd n]vfk/LIfs lgo'lQm ug]{ / lghsf] kfl/>lds lgwf{/0f ug]{ . -jt{dfg n]vfk/LIfs P;

P cf/ P;f]l;P6\;\, rf6{8{ PsfpG6]G6\;\, k'gM lgo'Qm x'g of]Uo x'g'x'G5 ._

$= o; a}+ssf] @)&$ cfiff9 d;fGt;Dddf sfod r'Qmf kF"hL ?= %,$^),^@(,$**÷–, xsk|b z]o/sf] laqmLaf6 k|fKt

r'Qmf k"FhL /sd ?= !,&)@,$#*,!))÷– / cNkfO{g 8]enkd]G6 a}+s ln= tyf ;]tL kmfOgfG; ln= sf] k|fKtLaf6 yk

r'Qmf k"FhL /sd ?= %!^,#($,@%)÷– ;d]t u/L sfod x'g cfPsf] xfnsf] r'Qmf k"FhL ?= &,^&(,$^!,*#*÷– sf] %

k|ltztn] x'g] /sd ?= #*#,(&#,)(@÷– gub nfef+; -s/ ;lxt_ ljt/0f ug]{ k|:tfj kfl/t ug]{ .

v= ljz]if k|:tfjx? M-!_ o; a}+ssf] @)&$ cfiff9 d;fGt ;Dddf sfod r'Qmf k"FhL ?= %,$^),^@(,$**÷–, xsk|b z]o/sf] laqmLaf6 k|fKt

/sd ?= !,&)@,$#*,!))÷– / cNkfO{g 8]enkd]G6 a}+s ln= tyf ;]tL kmfOgfG; ln= sf] k|fKtLaf6 yk r'Qmf k"FhL

/sd ?= %!^,#($,@%)÷– ;d]t u/L sfod x'g cfPsf] xfnsf] r'Qmf k"FhL ?= &,^&(,$^!,*#*÷– sf] % k|ltztn]

x'g] /sd ?= #*#,(&#,)(@÷– af]g; z]o/ ljt/0f ug]{ h;dWo] ;]~r'/L sdl;{on a}+s ln= af6 k|:tfljt af]g; z]o/

?= #!#,%%$,#@&÷–, cNkfO{g 8]enkd]G6 a}+s ln= af6 k|:tfljt af]g; z]o/ ?= %(,*#!,%^%÷– / ;]lt kmfOgfG;

ln= af6 k|:tfljt af]g; z]o/ ?= !),%*&,@))÷– x'g]5 . af]g; z]o/ hf/L kZrft sfod x'g] leGg c+s (Fraction)

nfO{ eljiodf ;dfof]hg ug]{ u/L oyfjt /fVg] .

-@_ a}+ssf] k|aGwkq tyf lgodfjnLdf ;+zf]wg ug]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{ tyf pQm ;+;f]wgdf g]kfn /fi6« a}+s

jf cGo lgodgsf/L lgsfon] km]/abn u/]df cfjZos ;+zf]wg tyf kl/dfh{g ug{ ;~rfns ;ldltnfO{ clVtof/L

lbg :jLs[t ug]{ .

jflif{s k|ltj]bg @)&#÷&$2

-#_ ;~rfns ;ldltn] k|:tfj u/] adf]lhd xfnsf] clws[t k"FhL ?= *,)),)),)),)))÷– -cf7 ca{ ?k}ofF_ af6 j[l4 u/L

?= !),)),)),)),)))÷– -b; ca{ ?k}ofF_ k'¥ofpg] / a}+ssf] hf/L k"FhL ?= &,*^,^$,*(,@@@÷– -cIf]?kL ¿= ;ft ca{

5of;L s/f]8 rf}+;¶L nfv pgfGgAa] xhf/ b'O{ ;o afO; dfq_ af6 j[l4 u/L ?= *,@%,)$,^@,##)÷– -cf7 ca{ klRr;

s/f]8 rf/ nfv a};f7L xhf/ tLg ;o tL; ?k}ofF_ k'¥ofpg] . ;fy} a}+ssf] r'Qmf k"FhL ?= &,*^,^$,*(,@@@÷– -cIf]?kL

¿= ;ft ca{ 5of;L s/f]8 rf}+;¶L nfv pgfGgAa] xhf/ b'O{ ;o afO; dfq_ af6 j[l4 u/L ?= *,@%,)$,^@,##)÷–

-cf7 ca{ klRr; s/f]8 rf/ nfv a};f7L xhf/ tLg ;o tL; ?k}ofF_ k'¥ofpg] . ;f] ;DaGwdf a}+ssf] k|aGwkq /

lgodfjnLdf cfjZos ;+zf]wg ug]{ clVtof/L ;~rfns ;ldltnfO{ k|bfg ug]{ .

-$_ a}+sn] cf=j= @)&#÷&$ df ;+:yfut ;fdflhs pQ/bfloTj jxg ug]{ qmddf cfly{s ;xfotf k|bfg ubf{ sDkgL

-klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf !)% sf] pkbkmf ! sf] v08 -u_ n] lgwf{/0f u/]sf] ;Ldf gf3]sf] x'Fbf ;f] cGtu{t

ePsf] vr{ ?= @,*^,&%*÷– cg'df]bg ug]{ .

-%_ a}+ssf] k|aGw–kq tyf lgodfjnLsf] ;+zf]wg ug]{ u/L lgodgsf/L lgsfox¿n] s'g} lgb{]zg lbPdf tbg'¿k k|aGwkq

/ lgodfjnLdf cfjZos kl/dfh{g ug{ ;~rfns ;ldltnfO{ clVtof/L lbg] .

-^_ ;]~r'/L sdl;{on a}+s lnld6]8 / cGo pko'Qm a}+s tyf ljQLo ;+:yfx¿ Ps cfk;df ufEg÷ufleg -dh{/_ jf

k|flKt -PlSjlh;g_ ug{÷ x'g jf :jb]zL÷ljb]zL /0fgLlts ;fem]bf/Ldf hfg cfjZos ;xdlt / ;Demf}tf nufotsf

sfdx¿ ug{÷u/fpg ;Sg] ;~rfns ;ldltnfO{ k|fKt clVtof/LnfO{ lg/Gt/tf lbg] .

u= ljljw

;~rfns ;ldltsf] cf1fn]

sDkgL ;lrj

;efdf 5nkmn ul/g] ;~rfns ;ldltsf] k|ltj]bg tyf n]vfk/LIfssf] k|ltj]bg ;lxtsf] jf;nft, gfkmf gf]S;fg lx;fa,

;fwf/0f;ef ;DaGwL s'g} hfgsf/L cfjZos ePdf o; a}+ssf] s]Gb|Lo sfof{no, k'tnL;8s, sf7df8f}+df ;Dks{ ug'{x'g

jf a}+ssf Website : www.centurybank.com.np x]g'{ x'g cg'/f]w ub{5f}+ .


;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/L

!= ;ftf}++ jflif{s ;fwf/0f;ef tyf nfef+z k|of]hgsf] nflu ldlt @)&$÷!!÷!! ut] b]lv @)&$÷!!÷#) ut];Dd

a}+ssf] z]o/ bflvn vf/]h aGb /xg]5 . g]kfn :6s PS;r]Gh ln= df ldlt @)&$÷!!÷!! ut] eGbf cuf8L ePsf

sf/f]jf/x? ;f]sf] & sfo{ lbg leq a}+ssf] z]o/ /lhi6«f/ l;len Soflk6n lnld6]8, ;'Gwf/f, sf7df8f}+df k|fKt eO{;Sg'

kg]{5 . ;f] ldlt;Dddf k|fKt gfd;f/Lsf] lnvtsf] cfwf/df z]o/wgL lstfadf sfod x'g cfPsf z]o/wgLx¿n] dfq

;efdf efu lng kfOg]5 .

@= z]o/wgL dxfg'efjx?sf] hfgsf/Lsf nflu sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf *$ -$_ / -%_ cg'?k a}+ssf]

;+lIfKt cfly{s ljj/0f ;d]t k|sflzt ul/Psf]n] 5'§} ;+lIfKt cfly{s ljj/0f z]o/wgLsf] 7]ufgfdf k7fOg] 5}g .

#= z]o/wgL dxfg'efjx?n] ;fwf/0f;efdf efu lng cfpFbf cfkm\gf] z]o/ k|df0fkq jf lxtu|fxL (DEMAT) vftf

vf]lnPsf] s'g} Ps ;Ssn k|df0f jf gful/stf k|df0fkq jf cfkm\gf] kl/rokq :ki6 x'g] kmf]6f] ;lxtsf] s'g} kl/ro

kq ;fydf lnO cfpg' kg]{5 . kl/ro v'Ng] sfuhft gb]vfO{ xfhL/ ug{ tyf ;efdf efu lng kfOg] 5}g .

$= ;efdf efu lng OR5's z]o/wgL dxfg'efjx¿n] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /x]sf] xflh/L k'l:tsfdf b:tvt

ug'{ kg]{5 . ;ef x'g] lbg xflh/ k'l:tsf ljxfg !)M)) ah]b]lv lbpF;f] !M)) ah];Dd v'Nnf /xg]5 / ;f] ;dokl5

xflh/ k'l:tsf aGb x'g]5 .

%= z]o/wgLn] cfˆgf] k|ltlglw -k|f]S;L_ lgo'Qm ubf{ cfkm" h'g ;d"xsf] z]o/wgL xf], ;f]xL ;d"xsf] csf{] z]o/wgLnfO{ dfq

k|f]S;L lbg kfOg]5 .

^= k|ltlglwkq -k|f]S;L kmf/d_ ;]~r'/L sdl;{on a}+s lnld6]8sf] cflwsfl/s j]e;fO{6 www.centurybank.com.np

af6 Download u/L jf o; a}+ssf] h'g;'s} zfvfaf6 k|fKt ug{ ;lsg]5 . k|To]s k|f]S;L kmf/ddf sDkgL ;lrjsf]

x:tfIf/ tyf a}+ssf] 5fk x'g' kg]{5 . a}+sn] pknAw u/fPsf] 9fFrfdf tyf sDkgL ;lrjsf] x:tfIf/ / a}+ssf] 5fk

gePsf] k|f]S;L dfGo x'g] 5}g . k|To]s k|ltlglwkq z]o/wgLn] :jod ;Ssn x:tfIf/ ug'{ kg]{5 . o; a}+sdf /x]sf]

lghsf] x:tfIf/ gd'gf;+u gldn]df k|ltlglw kq :jtM ab/ x'g]5 . ˆofS;\ jf :Sofg u/LPsf] x:tfIf/ dfGo x'g]

5}g .

&= k|ltlglw kq -k|f]S;L kmf/d_ ;ef z'? x'g'eGbf Go"gtd &@ 306f cufj} cyf{t\ @)&$÷!!÷@& ut] laxfg !!M))

ah]leq a}+ssf] s]Gb|Lo sfof{no, k'tnL;8s, sf7df08f}+df btf{ ul/;Sg' kg]{5 .

*= z]o/wgLn] PseGbf a9L JolQmnfO{ cfˆgf] z]o/ ljefhg u/L jf cGo s'g} lsl;daf6 5'§\ofO{ k|f]S;L lbg kfOg]

5}g . a}+ssf] z]o/wgL afx]s cGo JolQmnfO{ k|f]S;L lbg kfOg] 5}g . To;/L lbOPsf] k|f]S;L ab/ x'g]5 .

(= z]o/wgL ;+ul7t ;+:yf jf sDkgLn] k|ltlglw lgo'St ubf{ sDkgL lgb]{lzsf, @)&@ sf] lgb]{zg g+= $# adf]lhd

s/f/ ug{ of]Uo k|fs[lts AolQmnfO{ dfq ;efdf pkl:yt x'g / dt k|of]u ug{ kfpg] u/L k|ltlglw -k|f]S;L_ lgo'St

ug{ ;Sg]5 . ;+ul7t ;+:yf jf cGo s'g} s[lqd JolQmnfO{ k|f]S;L lgo'St ug{ ;Sg] 5}g . k|ltlglw lgo'lQm ePsf]df

k|ltlglw lgo'lQm kq;fy ;DalGwt ;+ul7t ;+:yf jf sDkgLsf] ;~rfns ;ldltsf] lg0f{osf] k|ltlnlk ;+nUg x'g'

kg]{5 . ;+ul7t ;+:yf jf sDkgLsf] k|ltlglw a}+ssf] z]o/wgL x'g cfjZos 5}g .

!)= gfafns jf czQm z]o/wgLx?sf] tkm{af6 a}+ssf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn]

;efdf efu lng / dtbfg ug{ jf k|ltlglw -k|f]S;L_ tf]Sg ;Sg]5 .

!!= Ps hgf z]o/wgLn] PseGbf a9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df k|ltlglw -k|f]S;L_ :jtM ab/ x'g]5 . t/, klxnf

lbPsf] k|ltlglw–kq -k|f]S;L kmf/fd_ ab/ u/L kl5 lbOPsf] k|ltlglw–kqnfO{ dfGotf lbg cg'/f]w u/L :jod\ pkl:yt

eO{ ;gfvt u/L k|ltlglw–kq -k|f]S;L kmf/fd_ btf{ ug{ tf]lsPsf] ;dofjlw leq} btf{ ug{ NofPdf kl5Nnf] k|ltlglw–kq

-k|f]S;L kmf/fd_ nfO{ dfGotf lbOg]5 .


!@= k|ltlglw lgo'Qm ul/;s]sf] z]o/wgLn] ;efsf] sfd sf/jfxL z'? x'g'eGbf cufj} cfkm} ;efdf pkl:yt eO{ xflh/L

k'l:tsfdf b:tvt u/]df To:tf] z]o/wgLn] lbPsf] k|ltlglw–kq -k|f]S;L_ :jtM ab/ ePsf] dflgg]5 .

!#= ;'/Iffsf] b[li6sf]0fn] z]o/wgL dxfg'efjx¿ ;ef:yndf cfpFbf emf]nf, Aofu h:tf a:t'x¿ glnO{ cfpg'x'g cg'/f]w

5 . cfjZos b]lvPdf ;'/IffsdL{n] ;'/Iff hf‘r ug{ ;Sg] x'Fbf ;f] sfo{df ;xof]u ul/lbg'x'g ;d]t cg'/f]w ul/G5 .

!$= z]o/wgL dxfg'efjx?n] a}+ssf] s]Gb|Lo sfof{no, k'tnL;8s, sf7df08f}+ jf a}+ssf] z]o/ /lhi6«f/ l;len Soflk6n

dfs]{6 lnld6]8, ;'Gwf/f, sf7df8f}+df ;Dks{ /fvL n]vfk/LIfssf] k|ltj]bg ;lxtsf] a}+ssf] jflif{s cfly{s ljj/0f,

;~rfns ;ldltsf] k|ltj]bg, sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf &* adf]lhdsf] k|ltj]bg;d]tsf sfuhftx¿

lg/LIf0f ug{ tyf k|fKt ug{ ;Sg'x'g]5 .

!%= z]o/wgL dxfg'efjx¿n] cfˆgf] lh1f;f jf hfgsf/L ;efdf k|:t't ug{ rfx]df To:tf] lh1f;f jf hfgsf/L ;ef

x'g'eGbf & -;ft_ lbg cufj} lnlvt ¿kdf sDkgL ;lrj dfkm{t\ ;~rfns ;ldltsf] cWoIfnfO{ a'´fpg' kg]{5 .

To:Tff] lh1f;f jf hfgsf/L ;efsf] ljifo ;"rLsf] ljljw zLif{sdf ;dfj]z x'g]5 t/ 5nkmn / kfl/t x'g] k|:tfjsf]

;"rLdf ;dfj]z x'g] 5}g .

!^= z]o/wgL dxfg'efjx¿n] ;fwf/0f;ef ;DaGwdf yk hfgsf/L cfjZos k/]df sfof{no ;doleq o; a}+ssf] s]Gb|Lo

sfof{no, k'tnL;8s, sf7df08f}+ jf a}+ssf] z]o/ /lhi6«f/ l;len Soflk6n dfs]{6 lnld6]8, ;'Gwf/f, sf7df8f}+df tyf

cfkm"nfO{ kfos kg]{ o; a}+ssf] zfvf sfof{nodf ;Dks{ /fVg ;Sg' x'g]5 . ;fwf/0f;ef ;DaGwL hfgsf/L a}+ssf]

cflwsfl/s j]e;fO{6 www.centurybank.com.np af6 ;d]t k|fKt ug{ ;lsg]5 .


k|ltlglw–kq -k|f]S;L kmf/fd_ldlt============================

>L ;~rfns ;ldlt,

;]~r'/L sdl;{on a}+s lnld6]8,

k'tnL;8s, sf7df08f}+ .

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

dxfzo,

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

d÷xfdL ================================================================================n] ;]~r'/L sdl;{on a}+s lnld6]8sf] z]o/wgLsf] x}l;otn]

ldlt @)&$ kmfu'g #) ut] a'wjf/sf lbg x'g] ;ftf}+ jflif{s ;fwf/0f;efdf :jo+ 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; a}+ssf] z]o/wgL -;d"x æsÆ sf] jf ;d"x ævÆ_ >L ==========================================

============================ z]o/wgL g+= jf BOID NO. ================================== nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

k|ltlglwsf] lgj]bssf]

b:tvt M b:tvt M

gfd M gfd M

z]o/wgL kl/ro g+= M z]o/wgL kl/ro g+= M

jf BOID NO. jf BOID NO.

z]o/ ;+Vof M

ldlt M

sDkgL ;lrjsf] b:tvt M a}+ssf] 5fk

b|i6Jo M of] lgj]bg ;fwf/0f;ef x'g'eGbf sDtLdf &@ 306f cufj} a}+ssf] s]Gb|Lo sfof{nodf k]z ul/;Sg' kg]{5 .

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

k|j]z–kq

z]o/wgLsf] gfd >L ================================================================================================================================================

z]o/wgL gDa/ jf BOID NO. =================================================================z]o/ ;+Vof M================================================

;]~r'/L sdl;{on a}+s lnld6]8sf] ldlt @)&$ kmfu'g #) ut] a'wjf/sf lbg x'g] ;ftf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L

ul/Psf] k|j]zkq .

z]o/wgLsf] x:tfIf/ M =============================== sDkgL ;lrjsf] x:tfIf/ M =======================

b|i6Jo M z]o/wgL cfkm}n] vfnL sf]i7x¿ eg'{xf]nf .

-;efsIfdf k|j]z ug{ of] k|j]zkq k|:t't ug{ clgjfo{ 5 ._


ljifo;"rL

!= cWoIfsf] dGtJo (

@= ;~rfns ;ldltsf] jflif{s k|ltj]bg !@

#= sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf !)( sf] pkbkmf–$ cg';f/sf] cltl/Qm ljj/0f @%

$= lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] lgod @^ sf] pklgod @ ;Fu ;DalGwt ljj/0f @(

%= n]vfkl/Ifssf] k|ltj]bg #%

^= ;]~r'/L sdl;{on a}+s ln= sf] jf;nft #&

&= gfkmf–gf]S;fg lx;fa #*

*= gfkmf–gf]S;fg afF8kmFf8 lx;fa #(

(= O{lSj6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f $)

!)= gub k|jfx ljj/0f $!

!!= jf;nft / gfkmf–gf]S;fg lx;fasf cg';"rLx? $@–&%

!@= k|d'v n]vf gLltx? &^–*)

!#= n]vf ;DaGwL l6Kk0fLx? *!–!))

!$= cg';'rL $=#$, $=#% / $ -c_ !)!–!)#

!%= ljQLo ljj/0f k|sflzt ug{ :jLs[t k|bfg ug{] qmddf g]=/f= a}+saf6 lbOPsf] lgb{]zg !)$

!^= cNkfO{g 8]enkd]G6 a}+s ln= sf] ljQLo ljj/0f !)%–!%)

!&= ;]tL kmfOgfG; ln= sf] ljQLo ljj/0f !%!–!(%

!*= a+}ssf] k|aGwkq tyf lgodfjnLdf ;+zf]wg ;DaGwL tLg dxn] ljj/0f !(^–!((


cWoIfHo"sf] dGtJo

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

;j{k|yd o; ;]~r'/L sdl;{on a}+ssf] ;ftf}+ jflif{s ;fwf/0f;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx? / ljleGg

lgsfoaf6 kfNg'ePsf k|ltlglwHo"x? tyf cGo cfdlGqt cltlyHo"x?nfO{ ;~rfns ;ldltsf tkm{af6 xflb{s :jfut tyf

clejfbg ub{5' . ;fy} ;ftf}+ jflif{s ;fwf/0f ;efsf] o; ul/dfdo ;efdf o; a}+s;Fu PsLs[t eO{ kfNg' ePsf ;fljssf

Ogf]e]l6e 8]enkd]G6 a}+s, c/lgsf] 8]enkd]G6 a}+s, ;u/dfyf kmfOgfG; ln=, cNkfOg 8]enkd]G6 a}+s / ;]tL kmfOgfG;sf

;~rfns tyf z]o/wgL dxfg'efjx?nfO{ ljz]if cfef/ ;lxt xflb{s :jfut tyf clejfbg ub{5' .

;ldIff cjlwdf cg's'n df};dL jiff{, pmhf{ cfk"lt{df ePsf] ;'wf/ / cfk"lt{ Joj:yfdf ;fdfGoLs/0f, ko{6s cfudgdf

ePsf] j[l4sf] sf/0f d'n'ssf] ;du| cfly{s ultljlwdf ;sf/fTds k|efj kf/]sf] b]lvG5 . s]Gb|Lo tYofÍ ljefusf]

cg'dfg cg';f/ cfly{s jif{ @)&#÷&$ df oyfy{ s"n ufx{:Yo pTkfbg j[l4b/ cfwf/e"t d"Nodf ^=($ k|ltzt /x]sf]

5 . cl3Nnf] cfly{s jif{ o:tf] j[l4b/ )=)! k|ltzt dfq /x]sf] lyof] . cfly{s aif{ @)&#÷&$ df cfly{s ljsf;sf

lx;fan] lgs} pT;fxhgs k|ult b]lvG5 . j}b]lzs /f]huf/af6 k|fKt /]ld6]G; s|dzM pTkfbgd"ns If]qdf nufgL x'Fb} hfg',

s[lifdf Joj;flos/0f xF'b} hfg', /fhgLlts l:y/tftkm{ b]z pGd'v xF'b} hfg', aGb x8\tfn h:tf sfo{df cfPsf] sdL tyf

;/sf/n] lnPsf pTkfbgd'ns gLlt sfof{Gjog kIf ;'wf/ x'g' cflb h:tf sf/0fx?n] ut cfly{s aif{df b]zsf] cy{tGq

;'wf/f]Gd'v ePsf] xf] . ;dLIff jif{df s[lif If]qsf] pTkfbg %=@( k|ltzt tyf u}/–s[lif If]qsf] pTkfbg &=&$ k|ltztn]

j[l4 x'g] cg'dfg ul/Psf] 5 . ;dLIff jif{df ;]jf If]qsf] pTkfbg ^=( k|ltztn] j[l4 ePsf] cg'dfg 5 . cl3Nnf] jif{ o;

If]qdf @=& k|ltztn] j[l4 ePsf] lyof] . lzIff, :jf:Yo nufotsf ;fdflhs ;]jfx?df klg s|lds ?kdf k|ult eO/x]sf]

b]lvG5 . ljQLo k|0ffnLnfO{ ;'b[9 ug]{ p2]Zon] g]kfn /fi6« a}+sn] cg's"n gLlt cjnDag u/]sf] ePtfklg ljQLo ahf/df

ljQLo ;+:yfx?sf] 7"nf] pkl:yltn] cfkm\gf] lx:;f cf]u6\g pRr k|lt:kwf{sf] ;fdgf ug'{kg]{, nufgLof]Uo /sdsf] cefj

x'g'h:tf sf/0fn] v'b Aofh cGt/df rfk kg{ uPsf] s'/f oxfFx?nfO{ ljlbt} 5 .

jflif{s k|ltj]bg @)&@÷&# 9


@)&$ cfiff9 d;fGt;Dd jfl0fHo a}+sx?sf] ;+Vof @* sfod ePsf] 5 . ufEg]÷ufleg] k|s[ofaf6 ljQLo ;+:yfx?sf]

s'n ;+Vofdf sdL x'Fb} cfPsf] 5 . kmn:j?k cfiff9 d;fGt;Dddf ljsf; a}+sx?sf] ;+Vof cl3Nnf] jif{sf] ^& af6 36]/

$) df tyf kmfOgfG; sDkgLx?sf] ;+Vof $@ af6 36]/ @* df sfod ePsf] 5 . b]zsf] cGof]n /fhgLlts cj:yf,

pRr d'b|f:kmLlt, nufgLsf nflu pknAw ca;/x?df cfPsf] ;+s'rg, / a9\bf] ljQLo k|lt:kwf{sf sf/0f shf{sf] k|ltkmn

/ lgIf]ksf] nfutdf /x]sf] cGt/df ;+s'lrt eO/x]sf] cj:yfdf cl3Nnf] aif{sf] t/ntf ;+s6 h:tf sf/0fn] d'n'ssf]

cy{tGqdf cg]sg gsf/fTds c;/ k/]sf] lyof] . k"FhL j[l4 ;Fu} b]zdf cfPsf] gofF /fhgLlts kl/j]zdf nufgLsf] jftfj/0f

tyf Jofkf/ ;~rfng ;xh x'G5 eGg] d}n] cfzf /fv]sf] 5' . o;jf6 a}+snfO{ pTkfbgd"ns If]qdf cfkmgf] nufgL k|jflxt

u/L yk d'gfkmf cfhg{ ug{ cg's'n jftfj/0fsf] ;[hgf x'g] 5 / a}+ssf] lqmofsnfknfO{ clej[l4 ug{ yk ;3fp k'Ug hfg]

5 eGg] s'/f lglj{jfb 5 .

cfly{s jif{ @)&#÷&$ df a}+s tyf ljQLo ;+:yfx¿af6 lghL If]qdf k|jflxt shf{ !*=@) k|ltztn] a9]sf] 5 . cl3Nnf]

jif{ o:tf] shf{ @#=&) k|ltztn] a9]sf] lyof] . ;dLIff jif{sf] nufgLof]Uo /sdsf] cefjsf sf/0f lghL If]qtkm{sf] shf{

lj:tf/df ;+s'rg cfPsf] xf] . lghL If]qtk{m k|jflxt shf{dWo] jfl0fHo a}+ssf]shf{ k|jfx @% k|ltztn] a9]sf] 5 eg] ljsf;

a}+s ljQ sDkgLx¿sf] shf{ k|jfx qmdzM !#=& k|ltzt / !#=# k|ltztn] 36]sf] 5 . k|flKtsf] sf/0f jfl0fHo a}+sx?sf]

shf{ k|jfxdf j[l4 ePsf] 5 eg] ljsf; a}+s tyf ljQ sDkgLx¿sf] shf{ k|jfx 36\g uPsf] 5 . ;f]xL cjlwdf a}+s tyf

ljQLo ;+:yfx¿sf] lgIf]k !$ k|ltztn] a9]sf] 5 . cl3NNff] jif{ pQm lgIf]k !(=$ k|ltztn] a9]sf] lyof] .

->f]t M g]kfn /fi6« a}+ssf] j]a;fO6af6 k|fKt tYofÍ_

gofF ;+ljwfgsf] sfof{Gjog ;d]t x'Fb} uPsf] kl/k|]Iodf /fhgLlts :yfloTjn] cfly{s ljsf;df dxTjk"0f{ ;xof]u k'Ug]

s'/fdf xfdL cfzfjfbL 5f}F . To;} u/L b]z ;+3Lo ;+/rgfdf uO;s]sf] tyf :yfgLo txdf a}+lsË kx'Fr k'¥ofpg] of]hgf

;lxt a}+sx¿nfO{ pQm :yfgdf zfvf vf]Ng g]kfn /fi6« a}+saf6 k|f]T;fxg u/]sf] sf/0f klg cfufdL lbgdf o; a}+ssf]

a}+lsË ;]jf / Joj;fosf] lj:tf/ x'g] s'/fdf xfdL cfzfjfbL 5f}F .

cj d ut cfly{s jif{ @)&#÷)&$ df ePsf] cBfjlws k|ult af/] ;+If]kdf rrf{ ug]{ cg'dlt rfxG5' .

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

;a{k|yd o; cfly{s jif{df a}+sn] af8\g nfu]sf] !)% nfef+z -%% gub / %% af]g; ;d]t_ ;Dk"0f{ z]o/wgL dxfg'efjx?

;dIf eGg kfFpbf dnfO{ cToGt v'zL nfu]sf] 5 . a}+ssf] ;|f]t tyf ;fwgsf] ;a}eGbf dxTjk"0f{ dflgg] a}+ssf] s'n lgIf]k,

@)&# cfiff9 d;fGtdf ?= @*=(& cj{ /x]sf]df @)&$ cfiff9 d;fGtdf $&=)$ k|ltztn] j[l4 eO{ ?= $@=%( cj{ k'u]sf]

5 eGbf dnfO{ v'zL nfu]sf] 5 . To:t}, a}+ssf] s"n shf{ tyf nufgLdf klg pNn]Vo j[l4 ePsf] 5 . s'n shf{ /sd @)&$

cfiff9 d;fGtdf ?= #( cj{ /x]sf] 5 h'g ut jif{sf] t'ngfdf %&=%) k|ltzt a9L 5 .

;fy} zfvf lj:tf/ nufotsf k"jf{wf/ ljsf;df ePsf] pNn]vgLo vr{sf] afah'b a}+ssf] ;~rfng d'gfkmfdf -sd{rf/L

af]g; / s/ cl3sf]_ sl/a @#=(! k|ltztn] a[l¢ eO{ ?= *)=^& s/f]8 ePsf] 5 / o;} u/L v'b d'gfkmf tkm{ klg @!=@$

k|ltztn] a[l¢ eO{ ?= %)=!$ s/f]8 k'u]sf] 5 . o; jif{sf] cGt ;Dd r'Qmf k"FhL s'n %=&& cj{ k'¥ofOPsf] 5 . g]kfn

/fi6« a}+ssf] lgb]{zg adf]lhd tf]lsPsf] r'Qmf k"FhL k|fKt ug{sf nflu o; a}+sn] cf=j= @)&#÷&$ df c/lgsf] 8]enkd]G6

a}+s lnld6]8, Ogf]e]l6e 8]enkd]G6 a}+s lnld6]8 / ;u/dfyf kmfOgfG; lnld6]8nfO{ k|flKt u/]sf] 5 . To;} u/L cfiff9

d;fGtkl5 cNkfOg 8]enkd]G6 a}+s lnld6]8 / ;]tL kmfOgfG; ln= nfO{ k|flKt -PlSjlhzg_ u/]sf] hfgsf/L u/fpg

rfxG5' . oL b'O{ ;+:yfx?sf] k|flKt, $)% sf] xsk|b z]o/ / cf=j= @)&#÷&$ sf] af]g; z]o/ kZrft\ o; a}+ssf] r'Qmf

k"FhL ?= * cj{ ^ s/f]8 x'g] Joxf]/f klg hfgsf/L u/fpg rfxG5' .

@)&$ cfiff9 d;fGt;Dd a}+ssf] s'n zfvf ^* k'u]sf] 5 / cfiff9 d;fGtkl5 yk ( j6f zfvfx? Vff]lnPsf] 5 . cNkfOg

8]enkd]G6 a}+s lnld6]8 / ;]tL kmfOgfG; ln= sf] k|fKtL -PlSjlhzg_ ;Fu} xfn sf7df8f}+} pkTosfdf !! zfvfx? / %

j6f PS;\6]G;g sfpG6/ / pkTosf aflx/ *@ zfvfx? / # j6f PS;\6]G;g sfpG6/ ;fy} !) j6f zfvf/lxt a}+lsË


u/L hDDff !!! :yfgaf6 / #* j6f ATM af6 sf/f]af/ ;~rfng ul//x]sf] 5 . ;Dk"0f{ hgtfnfO{ pkof]uL / ;xh x'g]

vftfx?sf] ;~rfngs} sf/0f ;~rfngdf cfPsf] ;ftf}+ jif{df g} # nfv eGbf a9L lgIf]kstf{x?;Fu ;DaGw ufF;L alnof]

zfvf ;~hfnaf6 cfˆgf ;]jfsf] 3]/fnfO{ km/flsnf] agfpg ;kmn eO;s]sf 5f}+ .

o; a}+ssf] s]Gb|Lo sfof{no tyf zfvf sfof{nox?af6 ;/n / ;'ne tl/sfaf6 ljkGg ju{ shf{ cGtu{t jfof]Uof; tyf

cGo shf{x? k|jfx ul//x]sf 5f}+ . s[liftkm{ ufO{kfng, df5fkfng, a+u'/kfng, s'v'/fkfng, lrofv]tL tyf ;'kf/Lv]tL /

cn}rL, clDn;f], lsaL, ?b|fIfsf] Jofkf/ tkm{ pRr k|fyldstf lbO{ shf{ k|jfx ug]{ sfo{ eO/x]sf] 5 .

To;} u/L phf{ tyf hn ljB't, ko{6g / ;fgf tyf demf}nf Joj;fo shf{nfO{ klg ljz]if k|fyldstfdf /fvL shf{ k|jfx

ug]{ sfo{ eO/x]sf] 5 . b]z ljsf;sf] cfwf/lznfsf] ?kdf /x]sf] k"jf{wf/ tyf hnljB't If]qdf a}+sn] nufgL a9fO{ ;du|

b]z ljsf;df of]ubfg k'¥ofPsf] 5 . xfn ljleGg a}+s tyf ljQLo ;+:yf;Fu cfa2 eO{ sG;f]l6{oddf @# cf]6f xfO8«f]

kfj/ k|f]h]S6df o; a}+ssf] nufgL tyf k|lta4tf /x]sf] 5 h; cGtu{t ^ cj{ ** s/f]8sf] shf{ k|jfxsf] nflu ;xdlt

eO{;s]sf] 5 eg] o; a}+s Pp6f xfO8«f] k|f]h]S6df sf]–ln8 tyf Pp6f xfO8«f] k|f]h]S6df ln8 a}+ssf] ?kdf /x]sf] 5 .

cfhsf] o; 38Ldf z]o/wgL dxfg'efjx?nfO{ rfn' jif{df o; a}+sn] /fd|f] km8\sf] dfg]{ / cfufdL jif{df a}+s cfsif{s

k|ltkmn lbg ;Ifd x'g] s'/fdf d oxFfx?nfO{ ljZjf; lbnfpg rfxG5' .

a}+ssf] a9\bf] cDbfgL, zfvf ;~hfn / lg/Gt/ a9\b} uPsf] u|fxs ;+VofnfO{ a}+sn] kl5Nnf] sfnv08df xfl;n u/]sf]

;kmntfsf] k|ltljDjsf] ?kdf d}n] u|x0f u/]sf] 5' . ;]~r'/L a}+s xfn cfP/ ;xh a}+lsËsf] nflu u|fxsju{ dfem nf]slk|o x'b}+

uPsf] s'/f oxfF;dIf eGg kfFpbf dnfO{ ljz]if v'zLsf] cg'ej x'G5 . o; af6 xfd|f] dndGq æ;/n a}+lsË===;a}sf nfluÆ

;fy{s x'g k'u]sf] s'/fdf dnfO{ k"0f{ ljZjf; 5 . oxL d"ndGq nfO{ clËsf/ u/L ;'lgof]lht 9+un] cl3 a9\g ;s]df o;

a}+ssf] b|'t ultn] ljsf; eO{ o:fsf] d'gfkmfdf pNn]vgLo clej[l4 x'g] s'/fdf d ljZj:t 5' .

cGTodf, o; a}+sn] k|bfg ub}{ cfPsf] ljQLo ;]jfnfO{ cem u'0f:t/Lo, ;dofg's"n / k|efjsf/L agfpg] ;DaGwdf k|lta4tf

JoQm ub}{ o; ;+:yfsf] :yfkgfsfn b]lv jt{dfg cj:yf;Dd cfOk'Ug cf–cfˆgf] If]qaf6 k|ToIf / k/f]If ?kdf cd"No

;xof]u, ;Nnfx / ljZjf; ug'{x'g] ;Dk"0f{ z]o/wgL dxfg'efjx?, lgIf]kstf{x?, g]kfn ;/sf/sf ;DalGwt lgsfox?, g]kfn

/fi6« a+}s, sDkgL /lhi6f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s PS;h]Gh ln=, l;=l8=P; P08 lSnol/ª ln=, shf{

;"rgf s]Gb| ln=, ljleGg a}+s tyf ljQLo ;+:yfx?, cGo ;+3–;+:yfx? / z'elrGts dxfg'efjx?k|lt cfef/ JoQm ub}{ xflb{s

wGojfb k|bfg ub{5' . ;+:yfsf cfGtl/s tyf afXo n]vfk/LIfsx?n] a}+ssf] n]vfk/LIf0f sfo{ u/L lbg' ePsf] Jofj;flos

;'emfjsf] nflu xflb{s wGojfb lbg rfxG5' . ;fy} o; ;+:yfsf] sf/f]jf/ clea[l4df ;lqmo /xL ;+:yfsf] pGglt / k|ultdf

cfˆgf] cd"No >d / ;do vr{ u/L nugzLntfsf ;fy of]ubfg k'¥ofpg] Joj:yfkg tyf ;Dk"0f{ sd{rf/Lx?nfO{ ljz]if

wGojfb lbg rfxG5' . cfufdL lbgx?df klg oxfFx? ;j}sf] ;xof]u tyf ;b\efjsf] ck]Iff /fv]sf] 5' .

wGojfb ÛÛÛ

/fh]z s'df/ >]i7

cWoIf


;~rfns ;ldltsf] jflif{s k|ltj]bgcfly{s jif{ @)&#÷&$

cfb/0fLo z]o/wgL dxfg'efjx?,o; ;]~r'/L sdl;{on a}+s lnld6]8sf] ;ftf}+ jflif{s ;fwf/0f;efdf pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx¿, cltly

tyf ko{j]Ifs Ho"x?df ;~rfns ;ldltsf] tkm{Aff6 d xflb{s :jfut ub{5' . o; cj;/df d @)&$ cfiff9 d;fGtsf]

a}+ssf] jf;nft, cfly{s jif{ @)&#÷&$ sf] gfkmf–gf]S;fg lx;fa, gfkmf–gf]S;fg afF8kmfF8 lx;fa, gub k|jfx ljj/0f tyf

cfjZos cGo ljQLo ljj/0fx¿ ;efsf] :jLs[ltsf nflu k|:t't ug]{ cg'dlt rfxG5'' . o; ;Ddflgt ;efdf d ;~rfns

;ldltsf] tkm{af6 a}+lsË If]qsf] kl/;"rsx? k|:t't ub}{ a}+ssf] ut cfly{s jif{sf] sf/f]af/sf] l;+xfjnf]sg, cGt/f{li6«o Pj+

/fli6«o cfly{s kl/b[Zo / a}+ssf] sf/f]af/df ;f]sf] c;/, a}+ssf] xfn;Ddsf] pknlAw Pj+ efjL of]hgf, sDkgLsf] Joj;flos

;DaGw, sf/f]jf/nfO{ c;/ kfg]{ tTjx¿ Nfufotsf ljifox? tyf efjL sfo{qmdx¿ k|:t't ub{5' .

b]zsf] jt{dfg cfly{s l:ylt**s= a}+s tyf ljQLo ;+:yfx?sf] lgIf]k kl/rfngsf] l:ylt ;dLIff jif{df a}+s tyf ljQLo ;+:yfx¿sf] lgIf]k !$ k|ltztn] a9]sf] 5 . cl3Nnf] jif{ o:tf] lgIf]k !(=$ k|ltztn]

a9]sf] lyof] . @)&$ c;f/df a}+s tyf ljQLo ;+:yfx¿sf] s'n lgIf]kdf rlNt, art / d'2tLsf] c+z qmdzM *=&

k|ltzt, #%=$ k|ltzt / $#=@ k|ltzt /x]sf] 5 . cl3Nnf] jif{ o:tf] c+z qmdzM (=! k|ltzt, $#=# k|ltzt /

#)=% k|ltzt /x]sf] lyof] .

jfl0fHo a}+sx?n] s'n lgIf]kdf ;+:yfut lgIf]ksf] c+z ;fljssf] %) k|ltztaf6 @)&% c;f/;Dd $% k|ltztsf]

;Ldfleq sfod ug'{kg]{ Joj:yf ul/Psf]df @)&$ c;f]h d;fGtdf o:tf] lgIf]ksf] c+z $&=*! k|ltzt /x]sf] 5 .

v= a}+s tyf ljQLo ;+:yfx?sf] shf{ k|jfxsf] l:ylt cfly{s jif{ @)&#÷&$ df a}+s tyf ljQLo ;+:yfx?af6 lghL If]qdf k|jflxt shf{ !*=@) k|ltztn] a9]sf] 5 . cl3Nnf]

jif{ o:tf] shf{ @#=&) k|ltztn] a9]sf] lyof] . ;dLIff jif{sf] rf}yf] qodfl;s b]lv cfly{s ultljlw rnfodfg ePsf

sf/0f lghL If]qtkm{sf] shf{ lj:tf/ ePsf] xf] . lghL If]qtk{m k|jflxt shf{dWo] jfl0fHo a}+ssf] @% k|ltzt a9]sf]

5 eg] ljsf; a}+s / ljQ sDkgLx?sf] shf{ k|jfx qmdzM !#=& / !#=# k|ltztn] 36]sf] 5 .

u= t/ntf Joj:yfkg cfly{s jif{ @)&#÷&$ df v'Nnf ahf/ sf/f]af/ dfkm{t\ ?= ̂ ! ca{ t/ntf k|jfx ePsf] 5 . o; cGtu{t l/kf] af]nsaf]n

-Aofhb/ sl/8f]/ cGtu{tsf] ?= % ca{ $) s/f]8 ;lxt_ dfkm{t\ s'n ?= ## ca{ @! s/f]8 / ;f]em} v/Lb af]nsaf]n

dfkm{t ?= @& ca{ &( s/f]8 t/ntf k|jfx ePsf] 5 . ;fy}, ;dLIff jif{df jfl0fHo a}+s tyf ljQLo ;+:yfx?n] ?=

^@ ca{ #( s/f]8sf] :yfoL t/ntf ;'ljwf pkof]u u/]sf 5g\ . cfly{s jif{ @)&#÷&$ df o; a}+sn] ljb]zL ljlgdo

ahf/ -jfl0fHo a}+sx¿_ af6 cd]l/sL 8n/ $ ca{ !! s/f]8 v'b vl/b u/L ?= $#% ca{ *^ s/f]8 v'b t/ntf k|jfx

u/]sf] 5 . cl3Nnf] jif{ ljb]zL ljlgdo ahf/af6 cd]l/sL 8n/ $ ca{ $% s/f]8 v'b vl/b eO{ ?= $&! ca{ #%

s/f]8 v'b t/ntf k|jfx ePsf]] lyof] . ;dLIff jif{df cd]l/sL 8n/ $ ca{ !@ s/f]8 / o"/f] !@ s/f]8 laqmL u/L ?=

$%! ca{ *( s/f]8 a/fa/sf] ef=?= vl/b ePsf] 5 . cl3Nnf] jif{ cd]l/sL 8n/ # ca{ $) s/f]8 / o"/f] @! s/f]8

laqmL u/L ?= #*% ca{ $& s/f]8 a/fa/sf] ef=?= vl/b ePsf] lyof] .

3= Aofh b/ @)&# c;f/sf] t'ngfdf @)&$ c;f/df (! lbg] 6«]h/L ljn / cGt/–a}+s sf/f]af/sf] efl/t cf};t Aofh b/ a9]sf]

5 . @)&# c;f/df (!–lbg] 6«]h/L ljnsf] efl/t cf};t Aofhb/ )=)% k|ltzt /x]sf]df @)&$ c;f/df )=&! k|ltzt

sfod /x]sf] 5 . To;}u/L, jfl0fHo a}+sx? aLrsf] cGt/–a}+s sf/f]af/sf] efl/t cf};t Aofhb/ @)&# c;f/df )=^(

k|ltzt /x]sf]df @)&$ c;f/df )=^$ k|ltzt k'u]sf] 5 . cGo ljQLo ;+:yfx? aLrsf] cGt/–a}+s sf/f]af/sf] efl/t

cf};t Aofhb/ @)&# c;f/df #=@% k|ltzt /x]sf]df @)&$ c;f/df $=$& k|ltzt k'u]sf] 5 .


ª= dh{/÷k|flKt ljQLo :yfloTj clej[l4 ug{ cjnDag ul/Psf] dh{/ gLlt sfof{Gjogdf cfP;Fu} dh{ x'g] a}+s tyf ljQLo ;+:yfx¿sf]

;+Vof a9\b} uPsf] 5 . æa}+s tyf ljQLo ;+:yf Ps cfk;df ufEg]÷ufleg] ;DaGwL ljlgodfjnL, @)^*Æ sfof{Gjogdf

cfPkl5 @)&$ c;f]h d;fGt;Dddf @* jfl0fHo a}+s, #( ljsf; a}+s, @& ljQ sDkgL / %$ n3'ljQ ljsf; a}+s

u/L s'n !$* j6f a}+s tyf ljQLo ;+:yfx? ;+rfngdf /x]sf 5g\ .

a}+s tyf ljQLo ;+:yfx?sf] ;+Vof÷zfvf ;+Vof

a}+s tyf ljQLo ;+:yfx?

;+Vof ;+Vof

@)&#c;f/

@)&$c;f/

@)&$c;f]h

@)&#c;f/

@)&$c;f/

@)&$c;f]h

jfl0fHo a}+s 28 28 28 1869 2274 2318

ljsf; a}+s 67 40 39 852 769 776

ljQ sDkgL 42 28 27 175 130 136

n3'ljQ ljQLo ;+:yf 42 5353 5454 1376 1895 2017

hDdf 179179 149149 148148 42724272 50685068 52475247

** g]kfn /fi6« a}+saf6 k|sflzt cf=j= @)&#÷&$ / @)&$÷@)&% sf] tYof+sdf cfwfl/t .

5= lwtf]kq ahf/ g]K;] ;"rsfÍ @)&$ c;f/ d;fGtdf !,&!*=@ ljGb'df k'u]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf ;"rsfÍ !,%*@=^&

ljGb' /x]sf] lyof] . cfly{s jif{ @)&#÷&$ df g]K;] ;"rsfÍ clwstd !,**!=$% ljGb'df k'u]sf] lyof] eg] Go'gtd

!,@%@=%) ljGb'df k'u]sf] lyof] . a}+s tyf ljQLo ;+:yfx?sf] k"FhL j[l4 ul/g] gLlt cufl8 ;fl/Psf] @)&@ df3 b]lv

sfuh /lxt z]o/ -l8Dof6_ k|0ffnLaf6 dfq sf/f]af/ ePsf] tyf nufgLstf{x?df /fhgLlts ;+qmd0f cGTo x'g] ck]Iff

a9\b} uPsf] sf/0f z]o/ ahf/ kl/;"rs pRr b/df a9]sf] xf] . cfly{s jif{ @)&#÷&$ df s'n z]o/ sf/f]af/ /sd

cl3Nnf] cfly{s jif{sf] t'ngfdf #) k|ltztn] j[l4 eO{ ?= @)$ ca{ &( s/f]8 k'u]sf] 5 . l8Dof6 k|0ffnLaf6 sf/f]af/

eO{ :6ssf] t/ntf a9]sf] tyf g]K;] ;"rsfÍdf p5fn cfPsf sf/0f s'n sf/f]af/ /sddf pNn]Vo j[l4 b]lvPsf]

xf] .

cfly{s jif{ @)&#÷&$ df a}+ssf] sf/f]af/sf] l;+xfjnf]sg cfly{s jif{ @)&#÷&$ df ;]~r'/L sdl;{on a}+s lnld6]8sf] Joj;flos sf/f]jf/ ;Gtf]ifhgs /x\of] . ;dLIff jif{df

o; a}+sn] @)&$÷)@÷@* df OGgf]e]l6e 8]enkd]G6 a}+s / c/lgsf] 8]enkd]G6 a}+s / @)&$÷)#÷#! df ;u/dfyf

kmfOgfG; ln= nfO{ k|fKtL u/L Plss[t sf/f]af/ ;'ef/De ul/;s]sf] 5 .

;dLIff jif{df k|flKt sfo{ ;DkGg u/]kl5sf] a}+ssf] ldlt @)&$ c;f/ d;fGtsf] ;DklQ tyf bfloTjsf] ljj/0f b]xfo

adf]lhd /x]sf] 5 M


o; a}+ssf] laut jif{sf] sf/f]af/sf] l;+xfjnf]sg /sd -?=_

lzif{scf=j=

36a9 ∞@)&#÷&$ @)&#÷&$ @)&@÷&#@)&@÷&#

r'Qmf k"FhL * 5,774,183,815 3,209,700,020 79.90%

hu]8f tyf sf]ifx? 521,290,261 192,008,964 171.49%

lgIf]k 42,593,653,750 28,967,846,551 47.04%

shf{ ;fk6 tyf ljn v/Lb ** 39,507,783,663 25,084,100,229 57.50%

k|:tfljt gub Nffef+z 5% 100.00%

k|:tfljt af]g; z]o/ *** 5% 10% (50%)

s'n ;~rfng cfDbfgL 1,492,315,005 1,155,434,113 29.16%

;~rfng vr{ 627,774,181 487,617,716 28.74%

v'b d'gfkmf -sd{rf/L af]g; / s/ cl3sf]_ 806,728,888 651,034,572 23.91%

v'b gfkmf 501,365,807 413,533,271 21.24%

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

** gf]S;fgL Joj:yf cufl8sf] shf{ /sd

*** cNkfOg 8]enkd]G6 a}+s ln= / ;]tL kmfOgfG; ln= af6 k|:tfljt af]g; z]o/ ;lxt

;du| ljQLo sf/f]jf/sf] l;+xfjnf]sg ubf{ cl3Nnf] jif{sf] t'ngfdf lgIf]k tkm{ $&=)$ k|ltztn], shf{ ;fk6L tkm{

%&=%) k|ltztn] j[l4 x'g uPsf] 5 . s'n ;~rfng cfDbfgLtkm{ x]bf{ ut jif{sf] t'ngfdf @(=!^ k|ltztn] / s'n

;~rfng vr{tkm{ @*=&$ k|ltztn] j[l4 eO{ sd{rf/L af]g; / s/ cl3sf] v'b d'gfkmf @#=(! k|ltztn]] j[l4 x'g

k'u]sf] 5 . To;} u/L a}+ssf] v'b gfkmf ut jif{sf] t'ngfdf @!=@$ k|ltztn] j[l4 ePsf] 5 . xfn} a}+sn] lgisfzg

u/]sf] $) k|ltzt xsk|b z]o/ afF8kmfF8 eO g]kfn :6s PS;r]~h lnld6]8df ;'lrs[t eO{;s]sf] 5 . @)&$ cfiff9

d;fGtdf %=$^ cj{ /x]sf] a+}ssf] r'Qmf k"FhL dfyL pNn]lvt af]g; z]o/ kZrft\ %=&& cj{ / xsk|b z]o/ kZrft\

&=%$ cj{ k'Uf]sf] 5 ;fy} cf=j= @)&$÷)&% df cNkfOg 8]enkd]G6 a}+s lnld6]8 / ;]tL kmfOgfG; lnld6]8nfO{

k|fKtL u/] kZrft\ a}+ssf] r'Qmf kF"hL *=)^ cj{ k'Ug]5 . o;sf] ljj/0f lgDg cg';f/ /x]sf] 5 M

lzif{s /sd ?=

k|:tfljt af]g; z]o/ cl3sf] r'Qmf k"FhL 5,460,629,488

k|:tfljt af]g; z]o/* 383,973,092

$) Ü xsk|b z]o/ 1,702,438,100

cNkfOg 8]enkd]G6 a}+s lnld6]8af6 k|fKt k"FhL 409,572,000

;]tL kmfOgfG; lnld6]8af6 k|fKt k"FhL 106,822,250

hDdf r'Qmf k"“hL 8,063,434,9308,063,434,930

* cNkfOg 8]enkd]G6 a}+s ln= / ;]tL kmfOgfG; ln= af6 k|:tfljt af]g; z]o/ ;lxt


@)&$ cfiff9 d;fGtdf a}+ssf] k|d'v kl/;"rsx? lgDgfg';f/ /x]sf] 5 M

ljj/0f @)&$ cfiff9 @)&# cfiff9

k|lt z]o/ cfDbfgL ?= 9.18 14.56

k|lt z]o/ ahf/ d"No ?= 290 461

d"No cfDbfgL cg'kft (PE Ratio) cg'kft 31.59 31.66

z]o/ k"FhLdf nfef+z -jf]g; ;lxt_ k|ltzt 10.00 10.00

z]o/ k"FhLdf gub nfef+z e'QmfgL k|ltzt 5.00 -

hf]lvd efl/t ;DklQdf k"FhLsf]ifsf] kof{Kttf

k|fylds k"FhL k|ltzt 13.91 11.90

k'/s k"FhL k|ltzt 0.94 0.96

s'n k"FhL sf]if k|ltzt 14.85 12.86

t/ntf (Liquidity) cg'kft 23.20 26.22

lgis[o shf{÷s'n shf{ k|ltzt 1.15 0.22

cfwf/ b/ k|ltzt 11.17 7.05

Jofh b/ cGt/ (Weighted Average Interest-

Rate Spread)

k|ltzt 4.61 4.18

;dLIff cjlwdf a}+ssf] kF"hL kof{Kttf cg'kft, lgis[o shf{ cg'kft, t/ntf cg'kft nufot a}+ssf] ;'b[9 cj:yf

dfkg ug]{ dfkb08x¿ g]kfn /fi6« a+}sn] lgwf{/0f u/]sf] dfkb08 adf]lhd ;sf/fTds /x]sf] 5 . ;dLIff cjlw ;lxt

ljut ;ft jif{sf] ljQLo ;"rsfÍx¿sf] t'ngfTds k|:t'tLs/0f M

ljj/0f 2067/682067/68 2068/692068/69 2069/702069/70 2070/712070/71 2071/722071/72 2072/732072/73 2073/742073/74;~rfng cfDbfgL 53,060 153,894 419,250 654,442 907,459 1,155,434 1,492,315 ;~rfng vr{ 28,105 121,559 248,187 389,502 436,432 487,618 627,774 ;~rfng gfkmf -Joj:yf cl3sf]_ 24,955 32,334 171,063 264,940 471,027 667,816 864,541 s/kl5sf] gfkmf -v'b gfkmf_ 8,244 922 66,372 86,928 260,864 413,533 501,366 r'Qmf k"FhL 1,080,000 1,080,000 1,080,000 2,120,000 2,310,800 3,209,700 5,774,184 hu]8f sf]if 78,017 75,695 138,675 36,129 100,938 192,009 521,290 lgIf]k 1,358,878 4,456,702 11,396,474 18,393,723 24,948,568 28,967,847 42,593,654 shf{ -v'b_ 1,175,447 4,159,725 8,974,983 14,827,288 20,093,127 24,767,952 38,871,100 lgis[o shf{ / s'n shf{ 0.49% 0.51% 0.27% 0.22% 1.15%nufgL 662,040 595,477 2,285,149 605,132 2,410,416 1,184,307 1,972,338 l:y/ ;DklQ -v'b_ 91,320 179,411 292,539 285,487 257,707 257,435 355,552 s'n ;DklQ 2,644,346 5,654,252 13,150,760 20,811,899 27,602,978 32,724,003 50,057,794 gub nfef+z - - - 3% 0.47% - 5%af]gz z]o/ - - - 6% 9% 10% 5%v'b gfkmf÷;~rfng cfDbfgL cg'kft

15.54 0.60 15.83 13.28 28.75 35.79 33.60

;~rfng vr{ / ;~rfng cfDbfgLcg'kft

52.97 78.99 59.20 59.52 48.09 42.20 42.07

;DklQdf k|ltkmn 0.31 0.02 0.50 0.42 0.95 1.26 1.00s'n sd{rf/L 52 148 257 248 293 334 570zfvfx? 1 10 31 31 31 31 68k"FhLsf]if cg'kft 41.82% 22.41% 12.66% 14.10% 11.23% 12.86% 14.85%

/sd ?= xhf/df


a}+sx?sf] Aofhb/nfO{ lglZrt :t/df sfod /fVg] / Aofhb/df cTolws ptf/r9fj x'g glbg] p2]Zon] g]kfn /fi6« a}++sn]

cfwf/ b/ -Base Rate_ sf] Joj:yf u/]sf] 5 . cfwf/ b/sf tTjx?df lgIf]k nfut jf sf]if nfut, ;+rfng vr{ jfktsf]

nfut, z"Go k|ltkmndf clgjfo{ gub cg'kft sfod ubf{ k/]sf] nfut, lgIf]k nfut eGbf sd k|ltkmn k|fKt x'g] u/L

a}wflgs t/ntf cg'kft sfod ubf{sf] nfut / ;+:yfsf nufgLstf{x?sf] k"FhLut nufgLsf] nflu k|bfg ug'{kg]{ ;fdfGo

k|ltkmn kb{5g\ . cfwf/ Aofhb/df shf{df lglxt hf]lvd lk|ldod ;dfj]z gul/g] x'gfn] a}+s tyf ljQLo ;+:yfx?n] ;f]

b/eGbf sd Aofhb/df shf{ k|jfx ubf{ ;+:yf :jod\sf] bL3{sfnLg cl:tTj (Sustainability) sf ;fy} ;du| ljQLo If]q

:yfloTjdf ;d]t k|lts"n k|efj kg{ ;Sg] ePsf]n] cfwf/ b/ eGbf sd Aofhb/df shf{ k|jfx ug{ jfG5gLo xF'b}g . o:tf]

kl/l:yltdf s]xL jif{ cufl8 dfq cfkm\gf] sf/f]af/ z'?jft u/]sf] o; a}+ssf] ;+rfng nfut cGo k'/fgf a}+sx? eGbf al9

x'g] x'gfn] k|lt:kwf{ ug{ sl7g x'g] kl/l:yltsf] >[hgf ePsf] 5 . o;/L] a}+s tyf ljQLo ;+:yfx?;Fusf] k|lt:kwf{ a9\g',

t/n /fhlglts cj:yf sfod /xg', phf{ ;+s6 sfod /xg' h:tf ;d:ofx?n] ubf{ art kl/rfng ePtf klg tLa|

k|lt:kwf{, ljQLo If]qk|lt ;j{;fwf/0fsf] g}/fZotf, Jofkfl/s tyf cf}Bf]lus If]qx?df b]vf k/]sf ;d:ofx? tyf nufgL

If]qsf] l;ldttf cflbn] gofF a}+sx?nfO{ sfo{ of]hgf lgdf{0f / sfof{Gjogdf c;/ kf/]sf] ePtfklg b]zsf] /fli6«o cfly{s

kl/;"rsx? cfufdL lbgx?df ;'wf/fTds x'Fb} hfg] ck]Iff /fVb} a}+sn] cfkm\gf] ;]jf tyf ;'ljwfx?nfO{ a9fpFb} nu]sf] 5 .

oL ;a}sf afah'b a}+sn] ;~rfngsf] ;ftf}+ jif{d} xfl;n u/]sf pknAwLx?nfO{ ;+tf]ifhgs ?kdf lng ;lsG5 . @)&$ cfiff9

d;fGt;Dddf a}+sn] # nfv @# xhf/ eGbf a9L u|fxsx?;Fu ;DaGw /fVg ;kmn ePsf] 5 . b]ze/ zfvf ;~hfn;lxt

;~rfngdf /x]sf k'/fgf a}+sx?;Fusf] k|lt:kwf{ Pj+ cGo gofF ljQLo ;+:yfx?;Fusf] r"gf}tLk"0f{ k|lt:kwf{df klg a}+s ;xh

?kdf cl3 al9 /x]sf] 5 . a}+sn] bIf tyf cg'ejL sd{rf/Lx? lgo'Qm u/L Ps ;Ifd tyf bl/nf] sfo{ ;Dkfbg 6f]nLsf]

lgdf{0f u/]sf] 5 h;n] a}+ssf] nIo tyf /0fgLlts of]hgf adf]lhd sfo{ u/L a}+snfO{ 5f]6f] cjlwd} ;Ddfghgs prfO{

tyf nf]slk|otf xfl;n ug{ ;Ifd agfpg] 5 eGg] d}n] ljZjf; lnPsf] 5' .

cf=j= @)&$÷&% sf] bf]>f] qodf; ;Ddsf] pknAwL / eljiodf ;Dkfbg ug{'kg]{ sfo{x?af/] ;+rfns ;ldltsf] cjwf/0ff rfn" cfly{s jif{sf] k'; d;fGt;Dd a}+ssf] s'n lgIf]k ?= %@ ca{ !* s/f]8 k'u]sf] 5 eg] shf{ ?= $& ca{ )@ s/f]8

k'u]sf] 5 . @)&$ cfiff9 d;fGt;Dd a}+ssf] s'n zfvf ^* k'u]sf] 5 / cfiff9 d;fGtkl5 yk ( j6f zfvfx? Vff]lnPsf]

5 . cNkfOg 8]enkd]G6 a}+s lnld6]8 / ;]tL kmfOgfG; ln= sf] k|fKtL -PlSjlhzg_ ;Fu} xfn sf7df8f}+} pkTosfdf !!

zfvfx? / % j6f PS;\6]G;g sfpG6/ / pkTosf aflx/ *@ zfvfx? / # j6f PS;\6]G;g sfpG6/ ;fy} !) j6f zfvf/lxt

a}+lsË u/L hDDff !!! :yfgaf6 / #^ j6f ATM af6 sf/f]af/ ;~rfng ul//x]sf] 5 . ;"rgf tyf k|ljlwsf] clwstd k|of]u

u/L cfw'lgs, e/kbf]{, l56f]5l/tf] tyf lskmfotL a}+lsË ;]jf ;'ljwfx? Nofpg] tkm{ a}+s cem} ;zQm ?kn] cl3 a9\g]5 .

Joj;flos ?kdf ;~rfngdf cfPsf] klxnf] jif{b]lv g} lg/Gt/ v'b d'gfkmf ul//x]sf] xfd|f] a}+s qmdz k|ult pGd'v /x]sf] 5 .

cf=j= @)&$÷)&% sf] bf]>f] qodf;sf] ljQLo ljj/0f ;ldIff /sd -?=_

l;=g+= ljj/0f cf=j=@)&$÷&% k'; d;fGt cf=j=@)&#÷&$ k'; d;fGt

! r'Qmf k"FhL 7,679,461,838 3,689,000,200

@ s'n lgIf]k 52,177,172,739 32,675,763,781

# gf]S;fgL Joj:yf cufl8sf] shf{ ;fk6 tyf ljn v/Lb 47,024,396,490 29,016,084,609

$ s'n nufgL 4,779,600,796 2,849,977,620

% v'b d'gfkmf -sd{rf/L af]g; / s/ cl3sf]_ 511,744,878 359,940,563

^ v'b d'gfkmf 325,101,773 223,935,789

& lgis[o shf{÷s'n shf{ 0.99% 0.47%

cfly{s jif{ @)&$÷&% sf] bf]>f] qodf;sf] ;du| ljQLo sf/f]jf/sf] ljZn]if0f ubf{ cl3Nnf] jif{sf] t'ngfdf lgIf]k

?= !(=%) cj{ / shf{ ;fk6L !*=)! cj{n] j[l4 x'g uPsf] 5 . ;ldIff cjlwdf a+}sn] ?= %!=!& s/f]8 -sd{rf/L af]g;


/ s/ cl3sf]_ d'gfkmf / ?= #@=%! s/f]8 v'b d'gfkmf cfh{g ug{ ;kmn ePsf] 5 . ut jif{sf] o;} cjlwdf o:tf] d'gfkmf

j|mdz M ?= #%=(( / @@=#( s/f]8 dfq /x]sf] lyof] .

o;}ul/, a}+ssf] æ;/n a}+lsË === ;a}sf nfluÆ gf/fnfO{ cfTd;ft ub}{ u|fld0f tyf b'u{d If]q;Dd ;Lldt a}+lsË ;]jf lj:tf/

ug]{ p2]Zo ;lxt z'? ul/Psf] zfvf/lxt a}+lsË sfo{qmdn] d'n'sel/ g} cfkm\gf] ;~hfn km}nfpg] of]hgf u/]sf 5f}+ . o;}

p2]Zo cg'?k df]/ª lhNnfsf] s]/faf/L tyf /dfO{nf] emf]9f, ef]hk'/ lhNnfsf] 3f]/]6f/, sGrgk'/ lhNnfsf] lqe'jg j:tL,

s}nfnL lhNnfsf] r}dfnf, /f}tx6 lhNnfsf] s7/Lof, alb{of lhNnfsf] sflnsf / df]ltk'/ / vf]6fË lhNnfsf] nfld8fF8fdf

zfvf/lxt a}+lsË ;]jf ;'? u/L ;s]sf 5f}+ . o; cg'?k ;fgf Joj;fo tyf yf]/} cfo ePsf ;d"xx?nfO{ ;d]6]/ b]zel/sf

;fgf tyf 7"nf x/]s If]qdf cfkm\gf] ;xof]usf xftx? nDsfpg] k'lgt p2]Zosf ;fy a}+s cufl8 a9L /fv]sf] 5 eGg kfpFbf

dnfO{ v'zL nfu]sf] 5 .

zfvf ;~hfndf lj:tf/cfly{s jif{ @)&#÷&$ sf] k|f/DeDff a}+ssf] #! j6f zfvfx? ;~rfngdf /x]sf]df ;dLIff cjlwdf ;fljssf] OGgf]e]l6e

8]enkd]G6 a}+s, c/lgsf] 8]enkd]G6 a}+s, ;u/dfyf kmfOgfG; ln=, cNkfOg 8]enkd]G6 a}+s lnld6]8 / ;]tL kmfOgfG;

lnld6]8 nfO{ k|flKt -PlSjlhzg_ ;Fu} a}ssf] zfvf ;~hfndf Jofks dfqfdf a[l4 ePsf] 5 .

xfn a}+sn] sf7df8f}+} pkTosfdf !! zfvfx? / % j6f PS;\6]G;g sfpG6/ / pkTosf aflx/ *@ zfvfx? / # j6f PS;\6]G;g

sfpG6/ ;fy} !) j6f zfvf/lxt a}+lsË u/L hDDff !!! :yfgaf6 sf/f]af/ ;~rfng ul//x]sf] 5 . k|flKt;Fu} bf]xf]/f] kg{

cfPsf !! j6f zfvf :yfgfGt/0f ug]{ k|s[ofdf /x]sf] 5 . ;Dk"0f{ :yflgo lgsfox?df a+}ssf] zfvf ;~hfn k'¥ofpg] g]kfn

/fi6« a+}ssf] gLltnfO{ ;3fp k'¥ofpg a}+sn] % j6f zfvfx? ;~rfng ul/;s]sf] / yk ( :yfgLo lgsfox?df zfvf

lj:tf/ ug]{ nIo lnPsf] 5 . lj:tf/ ug{ nfluPsf] ;Dk"0f{ zfvf ;~rfngdf cfPkl5 a+}ssf] zfvf !)@ k'Ug]5 . oL zfvf

lj:tf/af6 cfufdL lbgx?df a}+ssf] Joj;fo j[l4df 7"nf] ;xof]u k'Ug] cfzf /fv]sf] 5' . o; afx]s, a}+ssf] ;a} zfvfx?df

j|mdzM ATM sf] Joj:yf ul/g]5 . a}+sn] VISA CARD sf] ;b:otf lnO{ pQm sDkgLsf] ;~hfn dfkm{t ATM sf/f]jf/

;~rfng ul//x]sf] 5 . a}+ssf] xfn #* j6f P=l6=Pd= d]lzgx¿ ;~rfngdf /x]sf 5g\ . gofF zfvfx¿;Fu;Fu} cGo pko'Qm

:yfgx¿df klg P=l6=Pd= ;]jf yk u/L ;'ne u|fxs ;]jf lbFb} hfg] qmdnfO{ lg/Gt/tf k|bfg ul/g] 5 .

a}+ssf] zfvfx¿df j[l4 ;Fu;Fu} lgoGq0f tyf cg'udgsf] cfjZoStfnfO{ x[bou+d u/L tTsfnnfO{ lj/f6gu/, jL/u+h

tyf g]kfnu+hdf If]qLo k|aGwssf] Joj:yf ul/Psf] 5 . If]qLo k|aGwssf] lhDd]jf/L cf–cfkm\gf] If]q cGtu{tsf zfvf

sfof{nox¿sf] shf{ lgoGq0f nufot ;~rfng ultljlwnfO{ a}+ssf] gLlt, lgb]{zg Pjd\ k|rng cg';f/ b'?:t /fVg] u/L

Joj:yfkg ldnfpg] elg tf]lsPsf] 5 . cfjZostf cg'?k a+}sn] o; Joj:yfnfO{ km/flsnf] ub{} nUg] 5 .

efjL sfo{qmdo; a}+ssf] efjL sfo{j|md o; k|sf/ /x]sf] 5 M

-!_ a}+snfO{ yk k"FhLs[t / ;an agfpg yk dh{/ jf PlSjlhzg jf j}b]lzs /0fgLlts ;fem]bf/ Nofpg] ;DalGw ljifonfO{

clwstd k|fyldstfdf /flvg] 5 .

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;~rfng ub}{ cfO{/x]sf] 5 . lgIf]ksf] cf};t Aofhb/df sdL Nofpg] p2]Zon] lgIf]ksf gofF gofF of]hgfx¿ th'{df u/L

sfof{Gjog ug]{5 . ahf/ ljZn]if0f / lgIf]kstf{sf] rfxgf adf]lhdsf u|fxsd}qL ljleGg lgIf]k of]hgfx? ;~rfngdf

Nofpg] sfdnfO{ a}+sn] lg/Gt/tf lbO{ /x]sf] 5 . o; ;Gbe{df JolQmut (Individual) lgIf]kstf{x¿sf] cfwf/ j[l4

ub}{ ;+:yfut lgIf]k tkm{sf] lge{/tf sd ub}{ n}hfg] 5 . -#_ n3'ljQ sfo{qmd dfkm{t ljkGg ju{df shf{ k|jfx ug{ o; a}+s tyf cGo a}+sx¿;d]t ;+:yfks eO{ :yfkgf ePsf

rf}tf/L n3'ljQ ljQLo ;+:yf lnld6]8 ;+rfngdf cfPsf] 5 / lbJo dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8 ;+rfngdf

cfpg] s|ddf /x]sf] 5 . shf{sf] u'0f:t/df ;'wf/ ub}{ n}hfg] / shf{ lj:tf/ ubf{ ;fgf tyf 3/]n' pBf]u tkm{sf]

nufgLdf klg hf]8 lbg] .


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lgb]{zgnfO{ cg'kfngf ;lxt ;+:yfut ;'zf;g sfod /fVg ;~rfns ;ldlt tyf Joj:yfkg ;w+} k|ltjå /x]sf]

5 . a}+ssf] cfGtl/s lgoGq0f k|0ffnL tyf ;'zf;gnfO{ cem a9L ;'b[9 ug]{ 5 . a}+sn] k|rlnt P]g tyf g]kfn /fi6«

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ug]{ 5 .

-%_ k|ljlwsf] dfWodaf6 ;]jfu|fxLnfO{ yk cfw'lgs a}+lsË ;'ljwf pknAw u/fpg] l;nl;nfdf a}+sn] SMS Banking,

E-Banking, Mobile Banking, ATM, Any Branch Banking System (ABBS), D-MAT Services, DP Services,

ASBA Services, Branchless Banking Services h:tf k|ljlwd'ns ;]jfx¿ k|bfg ub}{ cfO/x]sf] 5 . a}+ssf]

;"rgf k|ljlwnfO{ ;dofg's"n ;'wf/ Pj+ lj:tf/ u/L cfw'lgs ;]jf k|bfg ug]{5 .

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ahf/ l:ylt cg';f/sf dr]{G6 a}+lsË Joj;fo ;DaGwL ;Dk"0f{ sfdx? o;} ;+:yf dfkm{t ug]{ of]hgf /x]sf] 5 .

-&_ a}+s ;d]t ;+:yfks eO{ ;+:yflkt hg/n O{G:of]/]G; sDkgL, chf]8 O{G:of]/]G; lnld6]8 / ds{G6fon PS:r]~h g]kfn

ln= df ul/Psf] nufgLnfO{ lg/Gt/tf lbO{g]5 . pko'St Joj;flos cj;/ k|fKt ePdf cfufdL lbgdf ;d]t yk

nufgL ub}{ hfg] a}+ssf] gLlt /x]sf] 5 .

-*_ a}+sdf sfo{/t hgzlQmnfO{ cg'zfl;t, u|fxs ;]jfd"vL / sfdk|lt al9 nugzLn agfpg] / sd{rf/Lsf] Ifdtf

clej[l4sf] nflu cfjZos tflnd k|bfg ug]{ .

-(_ z]o/ cef}ltlss/0f ;]jf, Depository Participant (DP) ;]jf / a}+sdf /x]sf] vftf dfkm{t z]o/ cfj]bg lbg]

(ASBA) ;]jfnfO{ lj:tf/ ub}{ u}/ Aofh cfDbfgL a9fpFb} n}hfg] .

-!)_ Joj;flos ¿kdf ;+efJo b]lvPsf :yfgx¿df zfvf lj:tf/ ub}{ n}hfg] .

-!!_ ;+:yfut ;fdflhs pQ/bfloTj cGtu{t pko'Qm sfo{qmdx¿ ;+rfng ug]{ .

a}+sn] cfufdL cfly{s jif{df s[lif, phf{ / pBf]u nufotsf pTkfbgd"ns If]qtkm{ clwstd shf{ k|jfx ug]{5 / u|fdL0f

tyf b'u{d If]qdf ljQLo ;]jfsf] kx'Fr a9fpg hf]8 lbg]5 . a}+s jftfj/0fLo / ;+:yfut ;fdflhs pQ/bfloTj jxg ug{]

lqmofsnfkx?df klg ;+nUg x'g]5 .

o; a}+ssf] lgIf]k, shf{ / v'b gfkmfsf] t'ngfTds u|fkm tyf rf6{x? tn k|:t't ul/Psf] 5 .

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;+:yfut ;'zf;ga}+sdf ;+:yfut ;'zf;g (Corporate Governance) sf] :t/nfO{ pRr /fVg] s'/fdf xfdL k|lta4 5f}+ . ;+rfns ;ldltsf

sfdsf/afxLx¿ tyf a}+ssf cGo ;a} lj|mofsnfkx¿nfO{ kf/bzL{ ¿kdf ;+rfng u/L ;+:yfut ;'zf;gsf] ljsf; ug{

g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt Pj+ sd{rf/L Joj:yfkg ;ldlt u7g

ul/Psf] 5 .

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cfjZos lgb]{zgx? lbg] Joj:yf ldnfOPsf] 5 . g]kfn /fi6« a}+s Pj+ cGo ;Da¢ lgsfox¿af6 ;do;dodf hf/L ePsf

gLlt Pj+ lgb]{zgnfO{ a}+sn] k"0f{ ¿kdf nfu' ub}{ cfPsf] 5 / cfufdL lbgx¿df klg s8fOsf ;fy nfu' ul/g]5 . o;

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lgsfox? ;dIf ;dodf g} k]z ug'{sf ;fy} ;fj{hlgs ;/f]sf/sf ;"rgfx? Tff]lsPcg';f/sf kqklqsf dfkm{t lgoldt

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;"rgf k|ljlw;"rgf k|ljlwsf] ljsf;sf ;fy} u|fxsju{sf] rfxgfnfO{ kl/k"lt{ ug{ ;"rgf k|ljlwsf] pNn]vgLo e"ldsfnfO{ Wofgdf

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(Independent) cfGtl/s n]vfk/LIf0f laefu u7g u/L u}/ sfo{sf/L ;+rfnssf] ;+of]hsTjdf ul7t n]vfk/LIf0f ;ldlt

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sf8{ Joj;foa}+sn] VISA CARD sf] ;b:otf lnO{ pQm sDkgLsf] ;~hfn dfkm{t ATM sf/f]jf/ ;~rfng ul//x]sf] 5 . a}+ssf] xfn

#* j6f P=l6=Pd= d]lzgx¿ ;~rfngdf /x]sf 5g\ . gofF zfvfx¿;Fu;Fu} cGo pko'Qm :yfgx¿df klg P=l6=Pd= ;]jf

yk u/L ;'ne u|fxs ;]jf lbFb} hfg] qmdnfO{ lg/Gt/tf k|bfg ul/g] 5 .

ljk|]if0f sf/f]af/a}+sn] ;~rfngdf NofPsf] ;]~r'/L /]ld6 ;]jfnfO{ r':t agfpg cfufdL lbgx?df cGo d'n'sx?df klg ;f] ;]jf lj:tf/

ug]{ / b]zleq e'StfgL s]Gb|x? lj:tf/ ug]{ of]hgf lnOPsf] 5 .


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o;}ul/ cGt/f{li6«o ljk|]if0f sf/f]af/sf] nflu lgDg adf]lhdsf ljk|]if0fsf] sfd ug]{ ;+:yfx¿;+u ;Demf}tf u/L] ljk|]if0f

;DaGwL sfo{nfO{ lg/Gt/tf lbPsf] 5 .

• Al Ahalia Money Exchange Bureau, Abu Dhabi, UAE

• AL Razouki International Exchange Company LLC, UAE

• Index Exchange Company LLC, UAE

• Joyalukkas Money Exchange, UAE

• Progoti Exchange Company

• Al Ansari Exchange, UAE

• Transfast GCC, UAE

• U Remit International Corporation, U.A.E

• Majan Exchange LLC, Oman

• Arabian Exchange Co. W.L.L, Qatar

• City Exchnage Company W.L.L, Qatar

• Islamic Exchange Company W.L.L, Qatar

• Al Mirqab Exchange Co. W.L.L.

• Joyalukkas kuwait Money Exchange

• International Trust Group for Exchange, Precious Metals and Currencies, Kuwait

• MNM Remit Mauritius

• Al Zamil Exchange Co, Saudi Arabia

o;sf ;fy} oxfFaf6 Domestic Remittance nfO{ klg Webbased agfO{ cfGtl/s ljk|]if0fsf] ;]jf ;'rf? eO{;s]sf]

5 . cfufdL lbgx?df klg ljk|]if0f Joj;fonfO{ clwstd k|ltkmnd"vL agfOg]5 .

u|fxs ;DaGwa}+ssf] u|fxs ;+Vofdf lg/Gt/ clej[l4 eO/x]sf] 5 . ut cfiff9 d;fGtdf xfd|f] u|fxs ;+Vof !##,))) /x]sf]df xfn ;f]

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u|fxs dxfg'efjx¿nfO{ pRr k|fyldstfdf /fVg] l;4fGtaf6 a}+s ;w}+ lgb]{lzt 5 . shf{ tyf lgIf]ktkm{ laleGg gofF+

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?kdf kl/lrt x'g k'u]sf 5f}+ . xfd|f] ;kmntfsf] >]o u|fxsx¿sf] ckf/ ljZjf;nfO{ g} hfG5 / o; cj;/df u|fxs ;]jfsf]

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;DjlGwt ljefux¿ dfkm{t o;sf] lgoldt cg''udgsf] Joj:yf klg ldnfO{Psf] s'/f eGg kfpFbf dnfO{ xif{ nfu]sf] 5 .

;+:yfut ;fdflhs pQ/bfloTj a}+sn] Joj;flos d'gfkmf cfh{g ug'{sf] cnfjf ;dfhsf] cleGg c+usf] x}l;otn] ;dfhk|ltsf] pQ/bfloTj axg ug]{

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sfo{df ;xof]u k'¥ofpFb} cfPsf] 5 . ;]~r'/L a}+s lqk'/]Zj/ l:yt ;flns kl/;/sf] dd{t tyf ;+ef/ / laleGg d7 dlGb/df

;/ ;kmfO{ tyf cGo ;fdflhs sfo{df ;+nUg /x]sf] 5 . oL s[ofsnfkx?af6 a}+s k|ltsf] b[li6sf]0fdf ;sf/fTds k|efj

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a}+sn] o'jf ;fd'bflos ;]jf s]Gb|åf/f cfof]lht ;8s afnaflnsfsf] nfuL cfly{s ;xof]u .

;~rfns ;ldlt tyf cGo ;ldlt÷pk;ldltx?-!_ ;~rfns ;ldlt cfly{s jif{ @)&#÷&$ sf] cfiff9 d;fGtdf o; a}+ssf] ;~rfns ;ldltdf lgDg adf]lhdsf ;~rfnsx? /xg' ePsf]

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a}+ssf] n]vfk/LIfssf] lgo'lQmsf] nflu l;kmfl/; ug]{, a}+ssf] cfGtl/s n]vfk/LIf0fsf] sfo{ If]q lgwf{/0f ug]{,

cfGtl/s, afXo tyf s]Gb|Lo a}+saf6 ePsf] n]vfk/LIf0fsf] l;nl;nfdf k|fKt ePsf s}lkmotx¿sf] ;dLIff

ug]{ / a}+ssf] cfGtl/s n]vfk/LIfsn] k]z u/]sf] cfGtl/s n]vfk/LIf0f k|ltj]bgdf plNnlvt s}lkmotx¿ pk/

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5 .

o; cf=j= df ;f] ;ldltn] k|rlnt sfg"g adf]lhd a}+ssf] ;du| ljQLo cj:yf, cfGtl/s lgoGq0f, n]vfk/LIf0f

of]hgf / cfGtl/s n]vfk/LIf0f tyf afxo\ n]vfk/LIfsn] k]z u/]sf] n]vfk/LIf0f k|ltj]bgdf cf}FNofOPsf

a'Fbf÷s}lkmotx¿ pk/ ;dLIff u/L ;'wf/fTds sbd rfNg Joj:yfkgnfO{ lgb]{zg lbg'sf ;fy} g]kfn /fi6« a}+saf6

lg/LIf0f tyf ;'kl/j]If0f u/L k|ltj]bgdf cf}FNofOPsf a'Fbf÷s}lkmotx?sf] sfof{Gjog eP÷gePsf] ;DaGwdf

;dLIff u/]sf] 5 . oL ljifox¿sf] clen]v u/L ;~rfns ;ldltnfO{ hfgsf/L u/fPsf] 5 eg] a}+ssf] jflif{s

ljQLo ljj/0fnfO{ ;xL / oyfy{ agfpg Joj:yfkgnfO{ ;xof]u, a}+ssf] sfdsf/jfxLdf lgoldttf, ldtJolotf,

cf}lrTo, k|efjsfl/tf h:tf s'/fx¿ cjnDjg eP÷gePsf] / a}+ssf] q}dfl;s ljQLo ljj/0fsf] ;dLIff u/L

;+rfns ;ldlt;dIf k|ltj]bg k]z u/]sf] 5 . ;ldIff cjlwdf o; ;ldltsf] ( j6f a}7s a;]sf] 5 .


-v_ sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf ;ldlt

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cfk;L ;b\efj, l;h{gzLntf h:tf ljifox¿nfO{ k|j4{g tyf sfof{Gjog ug]{tkm{ a}+s k|oTgzLn /xL cfPsf]

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h;dWo] #** -^) k|ltzt_ k'?if tyf @^) -$) k|ltzt_ dlxnf sd{rf/Lx¿ 5g\ .

-u_ hf]lvd Joj:yfkg ;ldlt

a}+ssf] ;DklQsf] u'0f:t/nfO{ lgoGq0f tyf ;DklQx?sf] hf]lvd Joj:yfkg ug{sf nflu ;~rfns >L nId0f

s'df/ >]i7sf] ;+of]hsTjdf ;~rfns >L dx]z s'df/ cu|jfn, ;~rfns >L /fh]z /fh bnL, k|d'v ;+rfng

clws[t tyf hf]lvd ljefu k|d'v ;b:o ;lrj /xg] u/L hf]lvd Joj:yfkg ;ldlt u7g ul/Psf] 5 . ;ldIff

cjlwdf o; ;ldltsf] ^ j6f a}7s a;]sf] 5 .

;/sf/L /fh:jdf of]ubfg cf=j= @)&#÷&$ df a}+sn] cfos/ afkt ?= @@=() s/f]8, kfl/>lds s/ afkt ?= #=&$ s/f]8, Aofh s/ afkt ?=

!$=!& s/f]8 / cGo s/ afkt ?= #=@% s/f]8 u/L hDdf ?= $$=)^ s/f]8 ;/sf/L /fh:jdf of]ubfg u/]sf]] 5 .

k|:tfljt nfef+z÷af]gz z]o/o; a}+ssf] @)&$ cfiff9 d;fGt ;Dddf sfod r'Qmf k"FhL ?= %,$^),^@(,$**÷–, xsk|b z]o/sf] laqmLaf6 k|fKt

/sd ?= !,&)@,$#*,!))÷– / cNkfO{g 8]enkd]G6 a}+s ln= tyf ;]tL kmfOgfG; ln= sf] k|fKtLaf6 k|fKt k"FhL /sd ?=

%!^,#($,@%)÷– ;d]t u/L sfod x'g cfPsf] xfnsf] r'Qmf k"FhL ?= &,^&(,$^!,*#*÷– sf] % k|ltztn] x'g] /sd ?=

#*#,(&#,)(@÷– af]g; z]o/ ljt/0f ug]{ lg0f{o eof] h;dWo] ;]~r'/L sdl;{on a}+s ln= af6 ?= #!#,%%$,#@&÷–, cNkfO{g

8]enkd]G6 a}+s ln= af6 k|:tfljt af]g; z]o/ ?= %(,*#!,%^%÷– / ;]lt kmfO{gfG; ln= af6 k|:tfljt af]g; z]o/ ?=

!),%*&,@))÷– x'g]5 . ;fy}, s'n r'Qmf k"FhL ?= &,^&(,$^!,*#*÷– sf] % k|ltztn] x'g] /sd ?= #*#,(&#,)(@÷– gub

nfef+; -s/ ;lxt_ ;d]t ljt/0f ug{sf] nflu ;~rfns ;ldltn] k|:tfj u/]sf] 5 . k|:tfljt af]g; z]o/ ;fwf/0f ;efaf6

n}+lus cfwf/df sd{rf/L ;+Vof

k''?if sd{rf/L dlxnf sd{rf/L

cfiff9 d;fGt

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

–

%)

!))!%)

@))@%)#))#%)

$))


cg'df]bg kZrft\ a}+ssf] z]o/ k"FhL ?= #*=#( s/f]8n] a[l4 x'g]5 . g]kfn /fi6« a}+saf6 tf]lsPsf] ljQLo ljj/0fsf] 9fFrf

cg';f/ pQm k|:tfljt af]g; z]o/nfO{ z]o/ k"FhL lx;fj d} ;dfof]hg u/L b]vfO{Psf] 5 .

a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo sf/sx¿Ma}+ssf] sf/f]af/nfO{ c;/ kfg{ ;Sg] ljleGg lsl;dsf hf]lvdx¿nfO{ tn k|:t't ul/Psf] 5 M

!= g]kfn ;/sf/ jf g]kfn /fi6« a}+sn] jfl0fHo a}+s;DaGwL gLltdf kl/jt{g ubf{ l;h{gf x'g;Sg] ;+efljt hf]lvdx¿ .

@= ljb]zL ljlgdo sf/f]af/ ubf{ ljlgdob/df x'g] kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx¿ .

#= lgIf]k tyf shf{ nufgLsf] Aofhb/df x'g] kl/jt{gaf6 pTkGg x'g] hf]lvdx¿ .

$= tf]lsPsf] ;dodf shf{ c;'nL geO{ pTkGg x'g] hf]lvdx¿ .

%= b]zsf] cfly{s cj:yfdf cfpg] kl/jt{gaf6 kg{ ;Sg] hf]lvdx¿ .

^= k|tLtkq / hdfgtkq hf/L h:tf u}/sf]ifLo ;]jfx¿ k|bfg ubf{ x'g ;Sg] ;+efljt hf]lvdx¿ .

&= cGt/f{li6«o ahf/df cfpg]] dGbLaf6 g]kfnL ahf/df kg{ ;Sg] cfly{s hf]lvdx¿ .

*= k"FhLahf/sf] ptf/r9fjaf6 x'g ;Sg] hf]lvdx¿ .

(= g]kfnn] klxn] g} ljZj Jofkf/ ;+u7gsf] ;b:otf k|fKt ul/;s]sf] / xfn}dfq ;fkm\6f tyf ljd:6]s h:tf ;d"xdf cfj4

ePsf] ;Gbe{df cfpFbf lbgx?df ljZjJofkLs/0fsf sf/0f cfOkg]{ r'gf}tLx? .

!)=ljQLo ;]jf k|bfosx?sf] ;+Vof a9\b} hfg' .

n]vfk/LIfssf] lgo'lQm n]vfk/LIf0f ;ldltsf] l;kmfl/;df a}+ssf] ;~rfns ;ldltn] cfly{s jif{ @)&#÷&$ sf] nflu n]vfk/LIf0f ug{ P;= P=

cf/= P;f]l;P6\;, rf6{8{ PsfpG6]06\;nfO{ afx\o n]vfk/LIfssf] ¿kdf lgo'Qm u/]sf] lyof] .

n]vfk/LIf0f, jf;nft / cGo ljj/0f@)&$ cfiff9 d;fGtsf] jf;nft, @)&#÷&$ sf] gfkmf–gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa, gub k|jfx ljj/0f,

;Da¢ cg';"rLx¿ / n]vfk/LIfssf] k|ltj]bg o;} k|ltj]bgsf c+usf] ¿kdf /flvPsf] 5 . ;fy} sDkgL -klxnf] ;+zf]wg_ P]g,

@)&$ sf] kl/R5]b & bkmf !)( sf] pkbkmf -$_ adf]lhdsf] cltl/Qm ljj/0fx¿nfO{ cg';"rLsf] ¿kdf k|:t't ul/Psf] 5 .

dh{/÷k|flKt jfl0fHo a}+sx?n] @)&$ c;f/ d;fGt;Dddf Go"gtd r'Qmf k"FhL ?= * ca{ k'¥ofpg' kg]{ Joj:yf cg'?k o; a}+sn]

@)&$÷)@÷@* df OGgf]e]l6e 8]end]G6 a}+s / c/lgsf] 8]enkd]G6 a}+s, @)&$÷)#÷#! df ;u/dfyf kmfOgfG; ln= /

@)&$÷)*÷@$ df cNkfOg 8]enkd]G6 a}+s lnld6]8 / ;]tL kmfOgfG; lnld6]8nfO{ k|fKtL u/L Plss[t sf/f]af/ ;'ef/De

ul/;s]sf] 5 .

;dLIff jif{df / k|ltj]bg tof/ ubf{sf] ldlt;Dd k|flKt ePsf ;+:yfx?sf] cj:yf ;+lIfKtdf lgDgfg';f/ /x]sf] 5 M

qm=g+=

ljj/0f

ldlt @)&$ h]i7 @* df k|fKt ePsfldlt @)&$ c;f/#) df ;fljssf]

;u/dfyfkmfOgfG; ln= af6

k|fKt ePsf]

;]~r'/Lsdl;{on

a+}ssf] ldlt @)&$c;f/ d;fGtsf]

ljj/0f

cNkfOg 8]enkd]G6

a}+ssf] ldlt @)&$c;f/ d;fGtsf]

ljj/0f

;]tL kmfOgfG;ln= sf] ldlt @)&$ c;f/ d;fGtsf]ljj/0f

OGgf]e]l6e8]enkd]G6 a}+s

c/lgsf]8]enkd]G6 a}+s

! s'n ;DklQ 3,089,139,591 2,610,038,411 4,022,265,315 50,057,794,015 2,338,172,252 567,833,216

@ r'Qmf k"FhL 300,631,187 355,032,806 747,065,275 5,774,183,815 319,906,865 163,190,414

# hu]8f tyf sf]ifx? 73,103,330 79,631,033 181,489,288 521,290,261 45,317,589 14,343,384

$ s'n lgIf]k 2,588,353,025 2,065,396,138 2,945,968,253 42,593,653,750 1,934,532,395 381,725,668

% s'n shf{ 59,195,311 1,992,409,746 3,000,416,770 39,507,783,663 1,568,722,790 351,702,497

^ s'n sd{rf/L 40 87 95 570 121 15


;d:of tyf r'gf}tL-s_ cfGtl/s ;d:of tyf r'gf}tL a}+lsË If]qdf tLj| k|lt:kwf{ x'g', lgIf]ksf] nfut a9\b} uPsf] sf/0f a}+ssf] Aofh cfDbfgLsf] cGt/ (Spread) sd xF'b}

hfg', nufgL of]Uo If]qsf] cefj x'g', a}+lsË If]qdf bIf hgzlQmsf] cefj, pRrb/df k"FhL yk ug'{ kg{], cGo ;+:yf

k|flKt ;+u} sd{rf/L, zfvf / cGo sfo{x? Joj:yf ug'{ kg]{ h:tf cfGtl/s ;d:of /x]sf] ljBdfg kl/k|]Iodf a}+ssf]

d'gfkmf j[l4 ug]{ sfo{ yk r'gf}tLk"0f{ x'g uPsf] 5 .

-v_ jfx\o ;d:of tyf r'gf}tL ljZjJofkL cfly{s dGbL, d'n'ssf] cfly{s j[l4 b/ Go"g x'g', nufgL d}qL jftfj/0f gx'g', cf}Bf]lus tyf Jofkf/L If]qdf

>d ;d:of /xg', phf{ ;+s6 nufot ;do–;dodf aGb x8\tfn eO{ /xg' g} k|d'v afx\o ;d:of x'g\ . o:tf ;d:of

ljBdfg /x]sf] cj:yfdf a}+ssf] sf/f]af/ lj:tf/ ug'{ r'gf}tL k"0f{ /x]sf] s'/f lglj{jfb 5 .

cGTodf, o; a}+ssf] p2]Zo k|flKtsf nflu ;xof]u k'¥ofpg' x'g] z]o/wgL dxfg'efjx¿, u|fxsju{ tyf g]kfn ;/sf/sf

;Da¢ lgsfo nufot g]kfn /fi6« a}+sk|lt ;~rfns ;ldltsf] tkm{af6 xflb{s cfef/ k|s6 ub{5' . a}+ssf] pQ/f]Q/ pGglt

/ k|ultdf k'¥ofpg' ePsf] of]ubfgsf nflu k|d'v sfo{sf/L clws[t nufot a}+ssf ;Dk"0f{ clws[t tyf sd{rf/Lx¿ / cGo

;xof]uLx¿nfO{ wGojfb lbG5' . ;fy}, a}+ssf ultljlwx¿nfO{ ;sf/fTds ¿kdf hg;dIf k'¥ofOlbg] ;+rf/hut\ / k|ToIf

ck|ToIf ¿kdf a}+snfO{ ;xof]u k'¥ofpg] ;Dk"0f{ z'e]R5'sx¿k|lt klg d xflb{s cfef/ JoQm ub{5' .

ldltM @)&$÷!!÷)@ ;+rfns ;ldltsf] tkm{af6

/fh]z s'df/ >]i7

cWoIf


sDkgL -klxnf] ;+zf]wg_ P]g, @)&$ sf] bkmf !)( pkbkmf -$_cg';f/sf] cltl/Qm ljj/0f M

-s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sgM ;~rfns ;ldltsf] jflif{s k|ltj]bgdf pNn]v ul/Psf] .

-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/M k|ToIf ?kdf sDkgLsf] sf/f]af/nfO{ c;/ kf/]sf] 5}g .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff M

;~rfns ;ldltsf] jflif{s k|ltj]bgdf pNn]v ul/Psf] 5 .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGwM a}+sn] g]kfn /fi6« a}+s ;lxt a}+s;F+u ;DalGwt cGo ;Dk"0f{ ;+3 ;+:yfx¿;Fu Joj;flos Pj+ ;f}xfb{k"0f{ ;DaGw

sfod /fvL cfPsf] 5 . a}+ssf] cGo lgsfox?;Fu sfod /x]sf] cf}Bf]lus tyf Joj;flos ;DaGwnfO{ cem} a9L

Joj;flostf tyf kf/blz{tfsf ;fy ljsl;t ub}{ n}hfg' a}+ssf] nflu lxts/ x'g] s'/fdf a}+s ljZj:t /x]sf]

5 .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f M ;~rfns ;ldltsf] jflif{s k|ltj]bgdf pNn]v ul/Psf] .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?df a}+lsË If]qdf b]vf k/]sf] a9\bf] k|lt:kwf{, bIf hgzlQmsf] cefj,

t/n /fhgLlts jftfj/0f, 5f]6f] cjlwleq t/ntfsf] l:yltdf 36a9 x'g], nufgLsf] ;DefAotfdf sdL

cflb 5g\ .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[ofM d'Vo s}lkmotx? g/x]sf] .

-h_ nfef+z af“8kmf“8 ug{ l;kmfl/; ul/Psf] /sd M o; a}+ssf] @)&$ cfiff9 d;fGt ;Dddf sfod r'Qmf k"FhL ?= %,$^),^@(,$**÷–, xsk|b z]o/sf] laqmLaf6

k|fKt /sd ?= !,&)@,$#*,!))÷– / cNkfO{g 8]enkd]G6 a}+s ln= tyf ;]tL kmfOgfG; ln= sf] k|fKtLaf6 k|fKt

k"FhL /sd ?= %!^,#($,@%)÷– ;d]t u/L sfod x'g cfPsf] xfnsf] r'Qmf k"FhL ?= &,^&(,$^!,*#*÷– sf]

% k|ltztn] x'g] /sd ?= #*#,(&#,)(@÷– af]g; z]o/ ljt/0f ug]{ l;kmfl/; ul/Psf] 5, h;dWo] ;]~r'/L

sdl;{on a}+s ln= af6 ?= #!#,%%$,#@&÷–, cNkfO{g 8]enkd]G6 a}+s ln= af6 k|:tfljt af]g; z]o/ ?=

%(,*#!,%^%÷– / ;]tL kmfOgfG; ln= af6 k|:tfljt af]g; z]o/ ?= !),%*&,@))÷– x'g]5 . ;fy}, s'n r'Qmf

k"FhL ?= &,^&(,$^!,*#*÷– sf] % k|ltztn] x'g] /sd ?= #*#,(&#,)(@÷– gub nfef+; -s/ ;lxt_ ;d]t

ljt/0f ug{sf] nflu k|:tfj ul/Psf] 5 .

-em_ 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] afkt 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

a}+sn] ;dLIff jif{df s'g} z]o/ hkmt u/]sf] 5}g .


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

;dLIff jif{df a}+ssf] s'g} ;xfos sDkgL gePsf] .

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

o; sDkgLsf] s'g} ;xfos sDkgL /x]sf] 5}g . a}+sn] jfl0fHo a}+sx?n] ug]{ sf/f]af/x? ub}{ cfPsf] 5 / ;dLIff

jif{df k|d'v sf/f]af/df s'g} dxTjk"0f{ kl/jt{g ePsf] 5}g . o; a}+sn] cf=j=df ;DkGg u/]sf] k|d'v sf/f]af/

/ sf/f]af/df cfPsf] kl/jt{g ;+nUg ljQLo ljj/0fn] k|:6 kfb{5 .

-7_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM ljut cf=j= df sDkgLsf] cfwf/e"t z]o/wgLn] sDkgLnfO{ s'g} lsl;dsf] hfgsf/L pknAw gu/fPsf] .

-8_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/LM

ljut cfly{s jif{df a}+ssf ;~rfns tyf kbflwsf/Lx?n] a}+ssf] z]o/ vl/b ug'{ePsf] jf lghx? sDkgLsf]

z]o/ sf/f]af/df ;+nUg /xg' ePsf] hfgsf/L k|fKt 5}g .

-9_ 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] Joxf]/fM

a}+snfO{ o:tf] s'g} hfgsf/L k|fKt gePsf] .

-0f_ sDkgLn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf];ª\Vof / cl°t d"No tyf To;/L z]o/ vl/b u/] afkt sDkgLn] e'QmfgL u/]sf] /sdM

a}+sn] cfkm\gf] z]o/ cfkm}n] v/Lb u/]sf] 5}g .

-t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0fM a}+sn] cfGtl/s lgoGq0f k|0ffnL cGtu{t b]xfo adf]lhd sfdsf/afxL u/]sf] 5 .

-s_ ;+rfng k|lqmofnfO{ Jojl:yt ug{ cfly{s k|zf;g ljlgodfjnL, sd{rf/L ;]jf ljlgodfjnL, shf{ ckn]vg

ljlgodfjnL, shf{ gLlt tyf lgb]{lzsf, ;"rgf k|ljlw ;'/Iff gLlt, Anti Money Laundering Policy and Know

Your Customer Procedure, shf{ c;'nL ;DaGwL gLlt tyf sfo{lalw tyf cfjZos sfo{ lgb]{lzsfx¿ tof/

u/L k|rngdf NofOPsf] 5 .

-v_ Risk Management Department sfo{/t /x]sf] / ;f] ljefun] :jtGq?kn] a}+ssf] ;~rfng hf]lvd, ahf/

hf]lvd / shf{ hf]lvd ;DaGwL ;Dk"0f{ sfd sf/afxLx?sf] lg/Gt/ cg'udg ug]{ u/]sf] .

-u_ :jtGq afx\o n]vfk/LIfs lgo'lQm u/]sf] .

-3_ cfGtl/s n]vfk/LIfs cfp6;f];{ u/L lgoldt ?kdf n]vfk/LIf0f ug]{ ul/Psf] .

-ª_ n]vfk/LIf0f pk;ldltn] cfGtl/s lgoGq0f k|lqmofsf] lgoldt cg'udg ug]{ u/]sf] .

-r_ :jtGq Compliance Department sfo{/t /x]sf] .

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

a}+s ;+rfng÷Joj:yfkg vr{ jflif{s ljQLo ljj/0fsf] cg';"rL @# / @$ df pNn]v ul/P cg';f/ o; k|sf/ /x]sf]

5 .

Joj:yfkg vr{ /sd ?=

sd{rf/L vr{ 304,569,886

cGo ;~rfng vr{ 323,204,295

Joj:yfkg vr{ hDdf 627,774,181627,774,181


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

-s_ n]vfk/LIf0f ;ldltsf ;b:ox¿sf] gfdfjnL M

;~rfns, >L /fh]z /fh bnL ;+of]hs

;~rfns, >L ;'gLn s'df/ Gof}kfg] ;b:o

cfGtl/s n]vfk/LIf0f ljefu k|d'v ;b:o ;lrj

-v_ n]vfk/LIf0f ;ldltsf ;b:onfO{ a}7s eQf afx]s cGo s'g} kfl/>lds÷;'ljwf k|bfg ug{] ul/Psf] 5}g .

;b:ox¿nfO{ k|lt a}7s eQf ?= (,))).– k|bfg ul/Psf] 5 . o; cf=j= df n]vfkl/If0f ;ldtLsf ;b:ox?nfO{

?= !^@,)))÷– a}7s eQf afkt k|bfg ul/Psf] 5 .

-u_ cfly{s jif{ @)&#÷&$ df gf} k6s ;ldltsf] a}7s a:of] / ;ldltn] a+}ssf] ljQLo l:ylt, cfGtl/s lgoGq0f

k|0ffnL, ljleGg sfg"gL lgb]{lzsfx¿sf] cg'kfng tyf hf]vLd Go"gLs/0f ;DaGwdf ;+rfns ;ldltnfO{ ;'emfjx¿

k|bfg u/]sf] 5 / ;fy} ;do ;dodf cfGtl/s n]vfk/LIfsn] u/]sf] cfGtl/s n]vfk/LIf0f k|ltj]bg pk/ 5nkmn

ul/ ;+rfns ;ldltdf k|ltj]bg k]z u/]sf] 5 .

-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg af“sL eP ;f] s'/fM

o; lsl;dsf JolQmn] a'emfpg afFsL s'g} /sd gePsf] .

-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

a}+ssf] cWoIf / ;+rfnsx?nfO{ ;+rfns ;ldltsf] a}7s afkt k|lt a}7s qmdz ?= !),)))÷– / ?= (,)))÷– k|bfg

ul/Psf] 5 . a}+ssf] cWoIf, ;~rfns, k|d'v sfo{sf/L clws[t / cGo k|d'v sd{rf/Lx?sf] jflif{s kfl/>lds ljj/0f

lgDg cg';f/ 5 .

ljj/0f ;~rfns

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

-;xfos Joj:yfksLo >]0fL

/ ;f] eGbf dfyL_

cGo sfo{sf/L kbflwsf/L

! a}7s eQf 2,199,000* @ jflif{s tna 6,997,284 38,603,270 # jflif{s eQf 2,347,920 16,741,195 $ bz}+ eQf 778,767 4,571,133 % ;+rosf]if of]ubfg 699,728 3,860,327 ^ cGo 1,557,534 9,021,454 & af]g; k|rlnt Aff]g; P]g cg'¿k k|rlnt Aff]g; P]g cg'¿k

* 6]lnkmf]g÷df]afOn÷kqklqsf 548,258 sd{rf/L ;]jf ljlgodfjnL cg'?k sd{rf/L ;]jf ljlgodfjnL cg'?k

( OGwg / oftfoft vr{ cfjZostf cg';f/ sd{rf/L ;]jf ljlgodfjnL cg'?k

!) uf8L ;'ljwf 5}g %,^^^,^^& (WDV) *!,$)%,&*^ (WDV)

!! cfjf; ;'ljwf 5}g 5}g 5}g

!@ aLdf 5 5 5

* ljleGg pk;ldlt a}7s eQf ?= $,*^,)))÷– ;d]t .


l6Kk0fLM

-s_ k|d'v sfo{sf/L clws[tnfO{ rfns, OGwg / dd{t ;+ef/ ;lxt ;jf/L ;fwgsf] Joj:yf ul/Psf] 5 . cGo

sfo{sf/L txsf sd{rf/Lx?nfO{ lgodfg';f/ OGwg / OYVS cGtu{t ;jf/L ;'ljwf pknAw u/fOPsf] 5 .

-v_ ;~rfns, k|d'v sfo{sf/L clws[t nufot a}+ssf ;Dk"0f{ sd{rf/Lx¿nfO{ a}+ssf] lgodfg';f/ b'3{6gf aLdfsf]

Joj:yf ul/Psf] 5 .

-u_ k|d'v sfo{sf/L clws[tnfO{ jf:tljs vr{ / cGo sfo{sf/L0fL txsf ;Dk"0f{ clws[tx¿nfO{ tf]lsPsf] /sd

;Dd lgodfg';f/ df]afOn kmf]gsf] e'QmfgL a}+sn] ug]{ Joj:yf ul/Psf] 5 .

-k_ z]o/wgLx?n] a'lemlng af“sL /x]sf] nfef+zsf] /sdM cfly{s jif{ @)&#÷&$ sf] cGTo;Dd a}+sn] z]o/wgLnfO{ nfef+z e'QmfgL ug{ ?= !@,^(*,@*& afFsL /x]sf] 5 .

-km_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0fM != a}+snfO{ cfjZos kg]{ cfkm\gf] ;DklQx¿sf] -kl/jxg, sfof{no ;fdfg, k"FhLut lgdf{0f, lnhxf]N8 ;DklQ_

v/Lb tyf laj|mLsf] ljj/0f ;+nUg jf;nftsf] cg';"lr $=!$ df /x]sf] 5 .

@= ;DklQ v/Lb tyf laj|mL ubf{ k|rlnt ahf/ d"Nosf] cfwf/df a}+ssf] cfly{s k|zf;g ljlgodfjnLn]

tf]s]sf] sfoljlw cjnDjg ul/Psf] 5 .

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

gePsf] .

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

-d_ cGo cfjZos s'/fx?M gePsf] .


lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] lgod @^ sf] pklgod -@_ ;“u ;DalGwt ljj/0f

!= ;~rfns ;ldltsf] jflif{s k|ltj]bg M ;DalGwt zLif{s cGtu{t /flvPsf] .

@= n]vfk/LIfssf] k|ltj]bg M ;DalGwt zLif{s cGtu{t /flvPsf] .

#= n]vfk/LIf0f ePsf] ljQLo ljj/0f M ;DalGwt zLif{s cGtu{t /flvPsf] .

$= sfg'gL sf/jfxL ;DaGwL ljj/0f M s_ q}dfl;s cjlwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'2f bfo/ ePsf] ePM

a}ssf] cfKfm\gf] b}lgs Joj;foLs sf/f]af/sf] l;nl;nf;Fu ;DalGwt d'4f dfldnfx? afx]s a}+snfO{ cltl/Qm

ljlQo Jooef/ x'g] lsl;dsf d'4f dfldnfx? gePsf] .

v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] la?4 k|rlnt lgodsf] cj1f jf kmf}Hbf/L ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ u/]sf] jf ePsf] ePM

o:tf] s'g} hfgsf/L k|fKt gePsf] .

u_ s'g} ;+:yfks jf ;~rfns la?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] ePM

o:tf] s'g} hfgsf/L k|fKt gePsf] .

%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] ljZn]if0f M -s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]af/ ;DaGwdf Joj:yfkgsf] wf/0ff M d'n'ssf] jt{dfg cfly{s, ;fdflhs Pj+ /fhgLlts ultljlwx?nfO{ ljZn]if0f u/L x]bf{ z]o/sf] pQm sf/f]af/

;do ;fk]If tyf ;Gtf]ifhgs /x]sf] 5 .

-v_ ut jif{sf] k|To]s q}dfl;s cjlwdf ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s'n sf/f]af/ z]o/ ;+Vof / sf/f]af/ lbg M

z]o/ sf/f]jf/ ;DaGwL q}dfl;s ljj/0f tnsf] tflnsfdf pNn]v ul/Psf] .

q}dfl;s ljj/0f

z]o/sf]

clwstd

d"No -?=_

z]o/sf]

Go"gtd

d"No -?=_

z]o/sf] clGtd

d"No -?=_

s'n sf/f]af/

z]o/ ;ª\Vof

s'n sf/f]af/

lbg

k|yd q}df; -c;f]h d;fGt @)&#_ 615 403 455 1,929,500 55

bf];|f] q}df; -kf}if d;fGt @)&#_ 471 314 334 591,521 57

t];|f] q}df; -r}q d;fGt @)&#_ 437 255 383 1,299,499 58

rf}yf] q}df; -cfiff9 d;fGt @)&$_ 417 283 290 884,913 57

^= ;d:of tyf r'gf}tLM -s_ cfGtl/s ;d:of tyf r'gf}tLM a}+ssf] ;+rfng vr{ j[l4 xF'b} hfg', Jofhb/ ptf/ r9fj tyf zfvfx?sf] j[l4 ;+u;+u} ;~rfng hf]lvd Joj:yfkg

r'gf}tLk"0f{ x'g' h:tf cfGtl/s ;d:of /x]sf] ljBdfg kl/k]|Iodf a}+sn] lbuf] ?kdf d'gfkmf j[l4 ug]{ sfo{ r'gf}tLk"0f{

/x]sf] 5 .


-v_ afx\o ;d:of tyf r'gf}tL M a+}lsË If]qdf tLj| k|lt:kwf{, ahf/df cfjZos nufgL of]Uo /sdsf] cefj, nufgL of]Uo If]qsf] cefj, a}lsË If]qdf

bIf hgzlQmsf] cefj, nufgL d}qL jftfj/0f tyf cfBf}lus tyf Jofkfl/s If]qdf >d ;d:ofdf s]xL ;'wf/ cfPtf

klg nufgLstf{sf] dgf]jn cem} pRr e} g;Sg', ;/sf/L ljsf; vr{ cToGt Go'g x'g', ljb]zL ljlgdo ahf/df cfPsf

ptf/ r9fj k|If]k0f u/] cg'?k gx'g' nufot k|d'v afx\o ;d:of x'g\ . o:tf ;d:of ljBdfg /x]sf] cj:yfdf a}+ssf]

sf/f]af/ lbuf] ?kdf lj:tf/ u/L ;DklQsf] u'0f:t/ sfod /fvL nufgLstf{nfO{ plrt k|ltkmn lbg] sfo{ r'gf}tLk"0f{

/x]sf] 5 .

-u_ To:tf ;d:of tyf r'gf}tL ;dfwfg ug{ Joj:yfksn] cjnDag u/]sf] /0fgLlt M a}+s sd{rf/Lx?sf] sfo{bIftf tyf Ifdtf j[l4 ug{ tflnd tyf bIftf j[l4sf nflu sfo{x? ug]{ .

;lx 7fpFdf dfq ldtAooL ?kdf vr{ ug]{ .

lgliqmo shf{ Joj:yfkg ub}{ shf{ ljljlws/0f ug]{ .

sf/f]af/df /x]sf] hf]lvdx?nfO{ Go'lgs/0f ug{ plrt sfo{ of]hgf tof/ ug]{ .

&= ;+:yfut ;'zf;g M cfˆgf] ;Dk"0f{ sf/f]jf/df kf/blz{tf tyf lgikIftf sfod u/L lgodgsf/L lgsfoaf6 hf/L x'g] gLlt, lgod tyf

lgb]{zgnfO{ cg'kfngf ;lxt ;+:yfut ;'zf;g sfod /fVg ;~rfns ;ldlt tyf Joj:yfkg ;w+} k|ltjå /x]sf] 5 .

cfGtl/s n]vfk/LIf0f ljefunfO{ a}+ssf] u}/sfo{sf/L ;~rfnssf] ;+of]hsTjdf ul7t n]vfk/LIf0f ;ldltsf] dftxt

/fvL :jtGqtfk"j{s cfGtl/s lgoGq0f tyf lgodgsf] sfd sf/jfxLx¿ ;Dkfbg ug{ ;Sg] jftfj/0f ldnfOPsf]

5 .

a}+sdf g]kfn /fi6« a}+s tyf cGo lgodgsf/L lgsfoaf6 hf/L x'g] gLlt lgb]{zgx?sf] ;hutfsf;fy ;dodf g}

sfof{Gjog ug{ a}+s leq ljleGg ;+oGqx? /x]sf] / ;+:yfut ;'zf;gnfO{ a}+sn] cfˆgf] k|To]s ultljlwsf] cleGg cËsf]

?kdf ljsf; u/]sf] 5 . a}+sdf ;+:yfut ;'zf;g sfod /fVg] d'Vo lhDd]jf/L ;~rfns ;ldlt / k|d'v sfo{sf/L

clws[tdf /x]sf] 5 .

*= ljj/0fkqdf k|If]k0f ul/Psf] / n]vfk/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s ;DaGwL ljj/0f M

o; a}+sn] xsk|b hf/L ug]{ a]nf sfod z]o/ k"FhL ?= rf/ cj{ PsxQ/ s/f]8 k}+lt; nfv rf}+;f¶L xhf/ b'O{ ;o

t]x|sf] $) k|ltzt cyf{t\ ?= Ps ca{ c7f;L s/f]8 rf}jGg nfv kRrL; xhf/ ;ft ;o a/fa/sf] k|lt z]o/ ?=

!))÷—c+lst b/sf xsk|b z]o/ lgisfzg ubf{ k|:t't ljj/0f kqsf] k|If]k0fdf a}lsË If]qdf x'g] Jofkf/ j[l4b/df

cfwfl/t ePsf] / ;dLIff jif{df ;du| a}+lsË If]qsf] t/ntfdf kg{ uPsf] rfksf] sf/0f nufgL of]Uo /sdsf] cefj

x'g uPsf] / ;f]sf] sf/0f lgIf]ksf] Jofhb/ cToflws j[l4 x'g uPsf] ;fy}, a}+sn] ;fljssf] OGgf]e]l6e 8]enkd]G6

a}+s lnld6]8, c/lgsf] 8]enkd]G6 a}+s lnld6]8 / ;u/dfyf kmfOgfG; lnld6]8nfO{ k|fKtL -PlSjlhzg_ u/]sf] x'gfn]

jf;nft / gfkmf gf]S;fgsf s]xL ;"rfÍx? k|If]k0fsf] t'ngfdf @) k|ltzt eGbf a9L km/s kg{ uPsf] 5 M


jf;nft ?= xhf/df

k"“hL tyf bfloTj k|If]lkt ljQLo

ljj/0f

n]vfk/LIf0f

ePsf] ljQLo

ljj/0f

km/s % @) % eGbf a9L kg'{sf] sf/0f

!= z]o/ kF"hL 8,031,434 5,774,184 (28.11) ;dodf xsk|b z]o/ hf/L gePsf]n] .

@= hu]8f tyf sf]ifx? 335,620 521,290 55.32 gub nfef+z tyf af]g; z]o/ k|:tfj

ul/Psf] / k|fKtLsf] sf/0fn] .

#= C0fkq tyf j08 0

$= ltg{ afFsL shf{ ;fk6 12,857 bfloTjsf] :j?kdf kl/jt{gsf sf/0f

%= lgIf]k bfloTj 46,348,552 42,593,654 (8.10)

^= e'QmfgL lbg' kg]{ ljnx? 65,224 100 lgoldt sf/f]jf/sf] l;nl;nfdf ePsf ljnx?

&= k|:tfljt gub nfefFz 382,449 383,973 0.40

*= cfos/ bfloTj

(= cGo bfloTj 584,826 706,612 20.82 sf/f]af/df ePsf] a[l¢sf] sf/0f .

s'n k"“hL tyf bfloTj 55,682,88255,682,882 50,057,79450,057,794

;DklQ k|If]lkt ljQLo

ljj/0f

n]vfk/LIf0f

ePsf] ljQLo

ljj/0f

km/s % @) % eGbf a9L kg'{sf] sf/0f

!= gub df}Hbft 1,390,457 1,483,257 6.67

@= g]kfn /fi6« a}+sdf /x]sf]

df}Hbft

6,952,283 4,142,821 (40.41) ;DklQsf] :j?kdf kl/jt{gsf sf/0f .

#= a} +s÷ljQLo ;+:yfdf

/x]sf] df}Hbft

2,317,428 2,348,445 1.34

$= dfu tyf cNk ;"rgfdf

k|fKt x'g] /sd

1,831,253 100 ;DklQsf] :j?kdf kl/jt{gsf sf/0f .

%= nufgL 1,361,960 1,972,338 44.82 sf/f]af/df ePsf] a[l¢sf] sf/0f .

^= shf{ ;fk6 tyf ljN;

v/Lb

39,615,220 38,871,100 (1.88)

&= l:y/ ;DklQ -v"b_ 707,933 355,552 (49.78) zfvf ;~rfng tyf sf/f]af/df ePsf]

sdLsf] sf/0f .

*= u}/ a}+lsË ;DklQ

(= cGo ;DklQ 1,506,350 884,281 (41.30) ;DklQsf] :j?kdf kl/jt{gsf sf/0f .

s'n ;DklQ 55,682,88255,682,882 50,057,794 50,057,794


gfkmf ÷ gf]S;fg lx;fa

ljj/0f

k|If]lkt

ljQLo

ljj/0f

n]vfk/LIf0f

ePsf] ljQLo

ljj/0f

km/s

% @) % eGbf a9L kg'{sf] sf/0f

!= Aofh cfDbfgL 3,515,074 3,120,020 (11.24) @= Aofh vr{ 2,147,167 1,980,288 (7.77)

v'b Jofh cfDbfgL 1,367,9071,367,907 1,139,7331,139,733 #= cGo ;~rfng cfDbfgL 441,040 352,582 (20.06) cfDbfgLdf cfPsf] sdLsf] sf/0f .

$= sd{rf/L tyf cGo ;~rfng vr{ 650,370 627,774 (3.47) ;Defljt gf]S;fgL Joj:yf cl3sf]

;~rfng d'gfkmf 1,158,5771,158,577 864,541864,541

%= ;Defljt gf]S;fgL Joj:yfx? 203,191 66,896 (67.08) lgIf]k tyf shf{df ePsf] :jefljs

sdLsf] sf/0fn]

;~rfng d'gfkmf 955,386955,386 797,644797,644

^= u}/ ;~rfng cfDbfgL ÷ vr{ 12,630 9,085 (28.07) u}/ ;~rfng cfDbfgL cfPsf]

sdLsf] sf/0f .

&= sd{rf/L af]g; Joj:yf 88,001 73,339 (16.66) *= cfos/ Joj:yf 264,004 232,024 (12.11)

v'b gfkmf ÷ gf]S;fg 616,010616,010 501,366501,366

z]o/ ;+Vof -?= xhf/df_ 76,490 54,606

k|lt z]o/ cfDbfgL 8.058.05 9.18 9.18

(= lgod @@ sf] pkljlgod -%_ ;“u ;DalGwt ljz]if 36gf jf kl/l:ylt ;DaGwL ljj/0f cfly{s jif{sf] cjlwdf pNn]v eP cg';f/sf] ljz]if 36gf jf kl/l:ylt ;[lht ePsf] eP lgDg ljj/0fx? ;dfj]z ug]{ M

ljz]if 36gf jf kl/l:ylt ;[lht ePsf] ldlt M gePsf] .

36gf jf kl/l:yltsf] lj:t[t ljj/0f / af]8{df ;"rgf k]z ePsf] ldlt M gePsf] .


;]~r'/L sdl;{on a}+s lnld6]8sf]ljQLo ljj/0fcf=j= @)&#÷&$


;]~r'/L sdl;{on a}+s lnld6]8k'tnL;8s, sf7df8f}+

jf;nft@)&$ ;fn cfiff9 d;fGtsf]

k"“hL tyf bfloTj cg';"rL o; jif{ -?=_ ut jif{ -?=_ != z]o/ kF"hL 4.1 5,774,183,815 3,209,700,020 @= hu]8f tyf sf]ifx? 4.2 521,290,261 192,008,964 #= C0fkq tyf j08 4.3 $= ltg{ afFsL shf{ ;fk6 4.4 12,857,100 %= lgIf]k bfloTj 4.5 42,593,653,750 28,967,846,551 ^= e'QmfgL lbg' kg]{ ljnx? 4.6 65,223,780 54,824,353 &= k|:tfljt gub nfef+z 383,973,092 *= cfos/ bfloTj 13,081,846 (= cGo bfloTj 4.7 706,612,217 286,541,361 s'n k"“hL tyf bfloTj 50,057,794,015 50,057,794,015 32,724,003,095 32,724,003,095

;DklQ cg';"rL o; jif{ -?=_ ut jif{ -?=_ != gub df}Hbft 4.8 1,483,257,264 889,320,086 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.9 4,142,820,675 3,994,061,570 #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4.10 2,348,444,796 931,896,183 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4.11 %= nufgL 4.12 1,972,338,417 1,184,307,282 ^= shf{, ;fk6 tyf ljN; v/Lb 4.13 38,871,099,687 24,767,952,394 &= l:y/ ;DklQ -v"b_ 4.14 355,551,909 257,435,290 *= u}/ a}+lsË ;DklQ 4.15 38,688,560 (= cGo ;DklQ 4.16 884,281,267 660,341,730 s'n ;DklQ 50,057,794,015 50,057,794,015 32,724,003,095 32,724,003,095

;Defljt bfloTj cg';"rL cg';"rL $=!& $=!&

;~rfnsx?sf] 3f]if0ff cg';"rL cg';"rL $=@( $=@(

kF"hLsf]if tflnsf cg';"rL cg';"rL $=#) $=#)

hf]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL cg';"rL $=#) -v_ $=#) -v_

k|d'v ;"rsfFÍx? cg';"rL cg';"rL $=#! $=#!

k|d'v n]vf gLltx? cg';"rL cg';"rL $=#@ $=#@

n]vf ;DaGwL l6Kk0fLx? cg';"rL cg';"rL $=## $=##

$=! b]lv $=!& ;Ddsf cg';"rLx? Jff;nftsf cleGg c+u x'g\ .

/ljGb| ;'j]bLk|d'v–n]vf

lji0f' ltjf/Lk|aGws–ljQ

hLjg e§/fO{sf=d'=k|d'v sfo{sf/L clws[t

cleif]s ah|frfo{ ;~rfns

;'gLn s'df/ Gof}kfg] ;~rfns

dx]z s'df/ cu|jfn;~rfns

cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df

/fh]z /fh bnL ;~rfns

pdf s'df/L >]i7 ;~rfns

nId0f s'df/ >]i7 ;~rfns

/fh]z s'df/ >]i7 cWoIf

;'gL/ s'df/ 9'+u]n;fem]bf/

P; P cf/ P;f]l;P6\;rf6{8{ PsfpG6]G6\;\ldlt M @)&$÷!)÷!*

:yfg M sf7df8f}+



gfkmf ÷ gf]S;fg lx;faldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd

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

!= Aofh cfDbfgL $=!* 3,120,020,356 2,012,502,616

@= Aofh vr{ $=!( 1,980,287,524 1,132,714,421

v'b Jofh cfDbfgL 1,139,732,832 1,139,732,832 879,788,195 879,788,195

#= sldzg tyf l8:sfp06 $=@) 61,238,543 53,587,206

$= cGo ;~rfng cfDbfgL $=@! 187,282,645 133,219,664

%= ;6xL 36j9 cfDbfgL $=@@ 104,060,985 88,839,048

s'n ;~rfng cfDbfgL 1,492,315,005 1,492,315,005 1,155,434,113 1,155,434,113

^= sd{rf/L vr{ $=@# 304,569,886 217,423,160

&= cGo ;~rfng vr{ $=@$ 323,204,295 270,194,556

*= ;6xL 36j9 gf]S;fg $=@@

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 864,540,824 864,540,824 667,816,397 667,816,397

(= ;Defljt gf]S;fgL Joj:yfx? $=@% 90,340,190 82,488,493

;~rfng d'gfkmf 774,200,634 774,200,634 585,327,904 585,327,904

!)= u}/ ;~rfng cfDbfgL ÷ vr{ $=@^ 9,084,503 8,427,354

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& 23,443,751 57,279,314

lgoldt sf/f]jf/jf6 ePsf] d'gfkmf 806,728,888 806,728,888 651,034,572 651,034,572

!@= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ $=@*

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 806,728,888 806,728,888 651,034,572 651,034,572

!#= sd{rf/L af]g; Joj:yf 73,338,990 59,184,961

!$= cfos/ Joj:yf 232,024,091 232,024,091 178,316,340 178,316,340

o; jif{sf] s/ Joj:yf 229,006,562 186,768,822

ljut jif{;Ddsf] s/ Joj:yf 15,276,452 591,869

o; jif{sf] :yug s/ cfDbfgL ÷ vr{ (12,258,923) (9,044,351)

v'b gfkmf ÷ gf]S;fg 501,365,807 501,365,807 413,533,271 413,533,271

$=!* b]lv $=@* ;Ddsf cg';"rLx? gfkmf ÷ gf]S;fg lx;fjsf cleGg c+u x'g .














:yfg M sf7df8f}+



gfkmf÷gf]S;fg af“8kmf“8 lx;faldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd

ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_ cfDbfgL != ut jif{;Ddsf] ;+lrt d'gfkmf 775,691 4,336,878 @= o; jif{sf] d'gfkmf 501,365,807 413,533,271 #= ;6xL 36a9 sf]if $= z]o/ lk|ldod sf]if af6 ;f/LPsf] /sd 96,119,199 49,112,249 %= k"FhL hu]8f sf]if af6 ;f/LPsf] /sd 131,819,877 ^= OGgf]e]l6e 8]enkd]G6 a}+s lnld6]8sf] ;+lrt d'gfkmf 31,802,894 &= c/lgsf] 8]enkd]G6 a}+s lnld6]8sf] ;+lrt d'gfkmf 24,245,830 *= ;u/dfyf kmfOgfG; lnld6]8sf] ;+lrt d'gfkmf 52,250,318 (= n]vflgtLdf ePsf] kl/jt{gsf sf/0f ;dfof]hg

!)= ut jif{sf] ;dfof]hg (2,674,812)hDdf 838,379,616 838,379,616 464,307,586 464,307,586 vr{ != ut jif{;Ddsf] ;+lrt gf]S;fg

@= o; jif{sf] gf]S;fg

#= ;fwf/0f hu]8fsf]if 100,273,161 82,706,654 $= e}k/L cfpg] hu]8f

%= ;+:yf ljsf; sf]if

^= nfef+z ;dLs/0f sf]if

&= sd{rf/L ;DaGwL hu]8fx?

*= k|:tfljt nfef+z 383,973,092 (= k|:tfljt af]g; z]o/ 313,554,327 368,900,020 !)= ljz]if hu]8f sf]if

!!= ;6xL 36a9 sf]if 3,307,877 3,206,589 !@= k"FhL lkmtf{ hu]8f sf]if

!#= k"FhL ;dfof]hg sf]if

!$= :yug s/ hu]8f sf]if 12,258,923 8,234,226 !%= ;+:yfut ;fdflhs pQ/bfloTj sf]if 5,013,658 !^= sd{rf/L k|lzIf0f tyf bIftf clej[l4 1,751,439 !&= nufgL ;dfof]hg sf]if 1,244,667 484,406 hDdf 821,377,144 821,377,144 463,531,895 463,531,895 !*= ;l~rt d'gfkmf ÷ -gf]S;fg_ 17,002,472 17,002,472 775,691 775,691














:yfg M sf7df8f}+

;]~r

'/L s

dl;

{on

a}+s

lnld

6]8k't

nL;

8s, sf7df8

f}+

O{SjL

6Ld

f ePs

f] kl/

jt{g

;Da

lGw

ljj/

0fcf=

j= @

)&#÷

@)&$

ljj

/0f

z]o/

k"“hL

;l~

rt

gfkmf÷

gf]S;

fg

;fw

f/0f

hu]8

f sf]if

k"“hL

hu]8

f sf]if

z]o/

lk|ldo

d

;6x

L 36a

9

sf]if

:yu

g s/

hu]8

f sf]if

nufgL

;df

of]hg

sf]if

;+:y

fut

;fd

flhs

pQ/b

floTj

sf]if

sd{r

f/L

k|lzIf0f

tyf bI

ftf

cle

j[l4

cGo

:jtGq

sf]if

s'n /

sd

?=

!=z'?

Dff}Hbft

3,2

09,7

00,0

20

775

,691

1

67,3

72,5

00

8,5

90,6

35

14,7

85,

732

484,4

06

3,401

,708

,984

ut j

if{sf] ;dfo

f]hg

k|flKt

u/LPs

f] ;+:y

fx?a

f6

OGgf]e

]l6e 8

]enkd

]G6 a

}+s lnld

6]8 3

00,6

31,1

87

31,

802

,894

3

8,7

93,6

00

53,

052,

563

1,5

06,8

36

1,0

00,0

00

426

,787,

080

c/lgsf] 8]enkd

]G6 a

}+s lnld

6]8

355

,032

,806

2

4,2

45,

830

4

5,98

1,79

3 3

9,448,0

89

5,8

58,2

94

15,

612

2,2

94,6

62

628

,223

3

09,1

28

297

,490

4

74,1

11,9

27

;u/d

fyf kmfOgfG; lnld

6]8

747,

065,

275

52,

250,

318

96,

734,9

51

39,

319,

225

30,

861

,523

894

,993

7

40,

889

6,6

14

967

,873

,788

;df

of]lh

t ;'?

d}Hbft

4,6

12,4

29,2

88

4,6

12,4

29,2

88

109,

074,7

33

109,

074,7

33

348,8

82,

844

348,8

82,

844

131

,819

,877

131

,819

,877

36,

719,

817

3

6,71

9,817

8,6

06,2

47

8,6

06,2

47

18,5

87,

230

18,5

87,

230

3,0

07,6

22

3,0

07,6

22

1,0

50,0

17

1,0

50,0

17

304

,104

3

04,1

04

5,27

0,481,

779

5,27

0,481,

779

hf/L u/LPs

f] xs

k|b z

]o/

848,

200,

200

59,3

99,3

82

907

,599

,582

@=o; j

if{sf] ;dfo

f]hg

o; c

f=j= sf] v'b

gfkmf

501

,365

,807

5

01,3

65,8

07;fwf/0f h

u]8f sf]ifdf ;f/LPsf]

(100

,273

,161

)10

0,27

3,16

1;6x

L 36a

9 sf]ifdf ;f/LPsf]

(3,307

,877

) 3

,307

,877

nufgL ;dfof]h

g s

f]if (1

,244,6

67)

1,2

44,6

67

;+:y

fut ;

fdflh

s p

Q/b

floTj

sf]if

(5,0

13,6

58)

5,0

13,6

58sd{rf/L k|lzIf0f t

yf bI

ftf clej[l4

(1,7

51,4

39)

1,7

51,4

39 k

|:tflj

t nfe

f+z

af]g

z z

]o/

313

,554

,327

(8

5,61

5,25

1) (1

31,8

19,8

77)

(96,

119,

199)

gub

nfe

f+z

(383,

973,

092)

(383,

973,

092)

:yug s

/ hu]8f sf]if

(12,

258,9

23)

12,

258,9

23

clGt

d df

}Hbft

5,7

74,183

,815

5

,774

,183

,815

1

7,00

2,472

1

7,00

2,472

449,

156,

005

449,

156,

005

11,

914,1

24

11,

914,1

24

30,8

46,

153

30,8

46,

153

4,2

52,2

89

4,2

52,2

89

6,0

63,6

75

6,0

63,6

75

2,0

55,5

43

2,0

55,5

43

6,29

5,474

,076

6,

295,

474

,076

/ljGb

| ;'j]bL

k|d'v–n

]vf

lji0f' lt

jf/L

k|aGw

s–ljQ

hLjg e

§/fO{

sf=d

'=k|d'v s

fo{sf/L clws[t

cle

if]s a

h|fr

fo{ ;

~rfn

s ;

'gLn

s'df/ Gof}kfg

] ;~r

fns

dx]z

s'df/ c

u|jfn

;~r

fns

cfh

sf] ld

ltsf] ;+nUg

k|lt

j]bg

sf] cfw

f/df

/fh]z /

fh b

nL

;~r

fns

pdf s'df/L >]i7

;~r

fns

nId

0f s

'df/ >

]i7;~r

fns

/fh]z s

'df/ >

]i7

cWo

If;'gL/ s

'df/ 9

'+u]n

;fe

m]bf/

P; P

cf/ P

;f]l;

P6\;

rf6{8{ P

sfp

G6]G6

\;\

ldlt

M @

)&$

÷!)

÷!*

:yfg

M s

f7df8

f}+



gub k|jfx ljj/0f ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd

l;=g ljj/0f o; jif{ ?= ut jif{ ?= -s_ sf/f]af/ ;~rfngaf6 gub k|jfx (478,929,399) (478,929,399) 1,019,372,165 1,019,372,165 != gub k|flKt 3,443,817,381 3,443,817,381 2,305,137,892 2,305,137,892

1.1 Aofh cfDbfgL 3,096,586,917 2,005,971,884 1.2 sldzg tyf l8isfpG6 cfDbfgL 60,033,837 52,117,739 !=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 90,829,479 76,012,691 !=$ ckn]lvt shf{sf] c;'nL !=% cGo cfDbfgL 196,367,148 171,035,578 @= gub e'QmfgL 2,585,895,546 2,585,895,546 1,741,184,163 1,741,184,163

2.1 Aofh vr{ 1,825,254,099 1,146,341,931 2.2 sd{rf/L vr{ 276,870,486 197,564,537 2.3 sfof{no ;~rfng vr{ 239,487,947 209,917,004 2.4 cfos/ e'QmfgL 244,283,014 187,360,691 2.5 cGo vr{

sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 857,921,835 857,921,835 563,953,729 563,953,729 ;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (15,107,633,482) (15,107,633,482) (3,678,551,804) (3,678,551,804)

1. dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ 2. cGo cNksflng nufgLdf sdL÷-j[l4_ (788,031,135) 1,211,237,244 3. shf{ tyf ljN; vl/bdf sdL÷-j[l4_ (14,170,043,732) (4,732,301,474)4. cGo ;DklQdf sdL÷-j[l4_ (149,558,615) (157,487,574)

;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 13,770,782,248 13,770,782,248 4,133,970,240 4,133,970,240 1. lgIf]k bfloTjdf -sdL_÷j[l4 13,625,807,199 4,019,278,575 2. ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4

3. cNksflng ;fk6Ldf -sdL_÷j[l4 $. cGo bfloTjdf -sdL_÷j[l4 144,975,049 114,691,665

-v_ nufgL sf/f]jf/df gub k|jfx (164,286,688) (164,286,688) (62,680,344) (62,680,344)1. lb3{sflng nufgLdf sdL÷-j[l4_ 2. l:y/ ;DklQdf sdL÷-j[l4_ (164,286,688) (62,680,344)3. lb3{sflng nufgLdf Aofh cfDbfgL

4. nfef+z cfDbfgL 5. cGo -u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx 2,789,229,477 2,789,229,477 530,000,000 530,000,000 1. lb3{sflng C0f -a08, l8j]Gr/ cflb_ df j[l4÷-sdL_ 2. z]o/ k"FhLdf j[l4÷-sdL_ lk|ldod ;lxt 2,250,929,468 530,000,000 3. cGo bfloTjdf j[l4÷-sdL_ nfef+z e'QmfgL 4. g]kfn /fi6« a}Íaf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_ 12,857,100 5. cGo 525,442,909 -3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ 13,231,506 13,231,506 12,826,357 12,826,357 -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 2,159,244,896 2,159,244,896 1,499,518,178 1,499,518,178 -r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 5,815,277,839 5,815,277,839 4,315,759,661 4,315,759,661 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 7,974,522,735 7,974,522,735 5,815,277,839 5,815,277,839














:yfg M sf7df8f}+



z]o/ k"“hL tyf :jfldTj@)&$ ;fn cfiff9 d;fGt

cg';"rL $=!

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

!= z]o/ k"“hL

!=! clws[t k"FhL 8,000,000,000 5,000,000,000

s_ *),))),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 8,000,000,000 5,000,000,000

v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========= n]

u_ ========= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========== n]

!=@ hf/L k"FhL 7,350,094,973 3,693,040,000

s_ &#,%)),($( ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 7,350,094,973 3,693,040,000



!=# r'Qmf k"FhL 5,460,629,488 2,840,800,000

s_ %$,^)^,@($ ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 5,460,629,488 2,840,800,000

-o; dWo] af]g; z]o/ ^,&(&,))) k|lt z]o/ ?= !)) n]_



!=$ k|:tfljt af]g; z]o/ 313,554,327 368,900,020

!=% sN; Og P8efG;

!=^ hDdf -!=#±!=$±!=%_ 5,774,183,815 5,774,183,815 3,209,700,020 3,209,700,020 \

z]o/ :jfldTj@)&$ ;fn cfiff9 d;fGt

z]o/ :jfldTj ljj/0fo; jif{ ?= ut jif{ ?=

% z]o/ k"“hL % z]o/ k"“hL!= :jb]zL :jfldTj 100 100 5,460,629,488 5,460,629,488 100 100 2,840,800,000 2,840,800,000

!=! g]kfn ;/sf/

!=@ æsÆ ju{sf Ohfhtkqk|fKt

;+:yfx?

!=# cGo Ohfhtkqk|fKt ;+:yfx?

!=$ cGo ;++:yfx? 3 142,946,100 3 95,747,564 !=% ;j{;fwf/0f 44 2,424,785,412 43 1,222,203,036

!=^ cGo -;+:yfks_ 53 2,892,897,976 54 1,522,849,400 @= j}b]lzs :jfldTj

hDdf 100 100 5,460,629,488 5,460,629,488 100 100 2,840,800,000 2,840,800,000



;]~r'/L sdl;{on a}+s lnld6]8sf] )=%Ü jf ;f] eGbf a9L z]o/ lng] z]o/wgLx?sf] ljj/0fcg';"rL $=! -s_

qm=;= gfd z]o/ ;+Vof /sd k|ltzt

1. uf]s0f{ /fO{ ;+:yfks ÷ ;j{;fwf/0f 406,910 40,691,000 0.75%2. >4f s]=;L= ;+:yfks 329,619 32,961,900 0.60%3. dg axfb'/ /fO{ ;+:yfks ÷ ;j{;fwf/0f 297,130 29,713,000 0.54%4. gful/s nufgL sf]if ;j{;fwf/0f 286,361 28,636,100 0.52%


hu]8f tyf sf]ifx?@)&$ ;fn cfiff9 d;fGt

cg';"rL $=@


!= ;fwf/0f ÷ a}wflgs hu]8f sf]if 449,156,005 167,372,500 @= k"FhLut hu]8f sf]if -z]o/ lk|ldod_

#= k"FhL lkmtf{ hu]8f sf]if (Capital Redemption Reserve)

$= k"FhL ;dfof]hg sf]if

%= cGo hu]8f tyf sf]if

%=! e}k/L cfpg] hu]8f

%=@ ;+:yf ljsf; sf]if

%=# nfef+z ;lds/0f sf]if

%=$ ljz]if hu]8f sf]if

% % ;DklQ k"gd'{NofÍg sf]if

%=^ :yug s/ hu]8f 30,846,153 14,785,732 %=& z]o/ lk|ldod

%=* ;+:yfut ;fdflhs pQ/bfloTj sf]if 6,063,675 %=( sd{rf/L k|lzIf0f tyf bIftf clej[l4 2,055,543 %=!) cGo :jtGq sf]if

^= ;l~rt gfkmf÷gf]S;fg 17,002,472 775,691 &= ;6xL 36a9 sf]if 11,914,124 8,590,635 *= nufgL ;dfof]hg sf]if 4,252,289 484,406

hDdf 521,290,261 521,290,261 192,008,964 192,008,964



C0fkq tyf a08@)&$ ;fn cfiff9 d;fGt

cg';"rL $=#


!= ======= k|ltzt a08÷C0fkq k|lt a08÷C0fkq ===== ?= n]=====

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

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

@= ======== k|ltzt a08÷C0fkq k|lt a08÷C0fkq ===== ?= n]=====



#= ========

hDdf -!±@±#_ \

ltg{ af“sL shf{ -;fk6L_@)&$ ;fn cfiff9 d;fGt

cg';"rL $=$


s= :jb]zL

!= g]kfn ;/sf/

@= g]kfn /fi6« a}+s 12,857,100

#= l/kf] bfloTj

$= cGt/ a}+s tyf ljQLo ;+:yf

%= cGo ;+ul7t ;+:yfx?

^= cGo

hDdf 12,857,100 12,857,100

v= ljb]zL

!= a}+sx?

@= cGo

hDdf

hDdf -s±v_ 12,857,100 12,857,100



lgIf]k lx;fa@)&$ ;fn cfiff9 d;fGt

cg';"rL $=%

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

!= Aofh ltg'{ gkg]{ vftfx?

s rNtL lx;fa 1,604,632,997 1,604,632,997 1,360,189,891 1,360,189,891 != :jb]zL d'b|fdf 1,464,557,244 1,464,557,244 1,248,194,671 1,248,194,671

!=! g]kfn ;/sf/

!=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? 34,523,905 11,732,941 !=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx? 223,562,816 205,744,747

!=$ cGo ;+ul7t ;+:yfx? 835,039,931 948,233,084 !=% JolQmut 371,430,592 82,483,899 !=^ cGo

@= ljb]zL d'b|fdf 140,075,753 140,075,753 111,995,220 111,995,220 @=! g]kfn ;/sf/

@=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

@=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx?

@=$ cGo ;+ul7t ;+:yfx? 32,582,005 57,404,453 @=% JolQmut 107,493,748 54,590,767 @=^ cGo

v dflh{g 202,020,179 202,020,179 164,574,572 164,574,572 != sd{rf/L hdfgt

@= hdfgt dflh{g 76,971,836 70,523,400 #= k|lttkq dflh{g 125,048,343 94,051,172 u cGo 21,278,899 21,278,899 32,727,000 32,727,000 != :jb]zL d'b|fdf 19,505,208 19,505,208 32,727,000 32,727,000

!=! ljQLo ;+:yfx?

!=@ cGo ;+ul7t ;+:yfx?

!=# JolQmut 19,505,208 32,727,000 @= ljb]zL d'b|fdf 1,773,691 1,773,691

@=! ljQLo ;+:yfx?

@=@ cGo ;+ul7t ;+:yfx?

@=# JolQmut 1,773,691 Aofh ltg'{ gkg]{ vftfx?sf] hDdf 1,827,932,075 1,827,932,075 1,557,491,463 1,557,491,463

qmdz=======




cg';"rL $=%

ljj/0f o; jif{ ?= ut jif{ ?= @= Aofh ltg'{ kg]{ vftfx? s art lx;fa 10,957,599,182 10,957,599,182 8,175,795,819 8,175,795,819 != :jb]zL d'b|fdf 10,942,702,868 10,942,702,868 8,157,096,651 8,157,096,651

!=! ;+3 ;+:yfx? 44,112,656 34,023,009 !=@ JolQmut 10,898,590,212 8,123,073,642 !=# cGo

@= ljb]zL d'b|fdf 14,896,314 14,896,314 18,699,168 18,699,168 @=! ;+3 ;+:yfx? 14,896,314 @=@ JolQmut 18,699,168 @=# cGo v= d'2tL lx;fa 21,077,880,479 21,077,880,479 13,179,175,146 13,179,175,146 != :jb]zL d'b|fdf 21,077,880,479 21,077,880,479 13,179,175,146 13,179,175,146

!=! ;+3 ;+:yfx? 12,080,973,003 10,471,322,330 !=@ JolQmut 8,996,907,476 2,707,852,816 !=# cGo

@= ljb]zL d'b|fdf @=! ;+3 ;+:yfx?

@=@ JolQmut

@=# cGo

u= dfu]sf] avt ltg'{ kg]{ lx;fa 8,730,242,014 8,730,242,014 6,055,384,123 6,055,384,123 != :jb]zL d'b|fdf 8,726,228,753 8,726,228,753 6,032,083,296 6,032,083,296

!=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? 13,990,400 !=@ cGo O=k|f=ljQLo ;+:yfx? 4,347,652,474 3,777,347,356 !=# cGo ;+ul7t ;+:yfx? 4,023,959,494 2,143,825,959 !=$ JolQmut 340,626,385 110,909,981 !=% cGo

@= ljb]zL d'b|fdf 4,013,261 4,013,261 23,300,827 23,300,827 @=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

@=@ cGo O=k|f=ljQLo ;+:yfx?

@=# cGo ;+ul7t ;+:yfx? 3,217,042 3,305,652 @=$ JolQmut 796,219 19,995,175 @=% cGo

3= ;l6{lkms]6 ckm l8kf]lh6 != ;+ul7t ;+:yf @= JolQmut #= cGo

Aofh ltg'{ kg]{ vftfx?sf] hDdf 40,765,721,675 40,765,721,675 27,410,355,088 27,410,355,088 -!±@_ hDdf lgIf]k 42,593,653,750 42,593,653,750 28,967,846,551 28,967,846,551



e'QmfgL lbg'kg]{ ljnx? @)&$ ;fn cfiff9 d;fGt cg';"rL $=^


!= :jb]zL d'b|f 39,835,418 @= ljb]zL d'b|f 65,223,780 14,988,935

hDdf 65,223,780 65,223,780 54,824,353 54,824,353

cGo bfloTj @)&$ ;fn cfiff9 d;fGt cg';"rL $=&

ljj/0f o; jif{ ?= ut jif{ ?= != k]G;g÷pkbfg sf]if 33,966,171 15,190,385 @= sd{rf/L ;~ro sf]if

#= sd{rf/L sNof0f sf]if 2,226,297 107,323 $= sd{rf/L af]g; Joj:yf 93,906,095 59,184,961 %= lgIf]kdf e'QmfgL lbg afFsL Aofh 219,109,878 64,076,453 ^= ;fk6Ldf e'QmfgL lbg afFsL Aofh

&= kfsL g;s]sf] l8:sfp06 / sldzg 6,417,551 5,212,845 *= ;G8«L qm]l86;{ 177,143,416 66,482,273 (= zfvf ldnfg lx;fj

!)= :yug s/ bfloTj

!!= e'QmfgL lbg afFsL nfef+z 12,762,486 9,921,245 !@= cGo 161,080,323 66,365,876

s_ >f]tdf s/ s6\6L /sd ltg{ afFsL 61,767,250 24,690,181 v_ ljbf afkt e'QmfgL Joj:yf 70,638,608 37,823,826 u_ ;'g sf/f]jf/ afkt e'QmfgL /sd

3_ cGo bfloTj 28,674,465 3,851,869 hDdf 706,612,217 706,612,217 286,541,361 286,541,361

gub df}Hbft @)&$ ;fn cfiff9 d;fGt cg';"rL $=*

ljj/0f o; jif{ ?= ut jif{ ?= != :jb]zL d'b|f -l;Ssf ;d]t_ 1,470,375,968 884,176,087 @= ljb]zL d'b|f 12,881,296 5,143,999

hDdf 1,483,257,264 1,483,257,264 889,320,086 889,320,086

g]kfn /fi6« a}+sdf /x]sf] df}Hbft @)&$ ;fn cfiff9 d;fGt cg';"rL $=(

ljj/0f :jb]zL d'b|f ljb]zL d'b|f ?= df

s'n ?= ut jif{ ?= ef=?= kl/jTo{ lj=d' hDdf

!= g]kfn /fi6« a}+s 4,102,910,869 39,909,806 39,909,806 4,142,820,675 3,994,061,570 s= rNtL vftf 4,102,910,869 39,909,806 39,909,806 4,142,820,675 3,994,061,570 v= cGo vftf

gf]6 M ;DalGwt ;+:yfsf] ;dy{gkq cg';f/sf] s'n df}Hbft ?= $,!%%,$!#,@#% km/s /sdnfO{ lgSof]{n, ;dLIff / Reconcile ul/Psf] 5 .



a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft @)&$ ;fn cfiff9 d;fGt cg';"rL $=!)



!= :jb]zL Ohfhtkq

k|fKt ;+:yfx? 589,938,827 589,938,827 10,699,773 10,699,773 10,699,773 10,699,773 600,638,600 600,638,600 227,103,596 227,103,596

s= rNtL vftf 589,938,827 10,699,773 10,699,773 600,638,600 227,103,596v= cGo vftf @= ljb]zL a}+sx? 191,238,073 191,238,073 1,556,568,1231,556,568,123 1,747,806,1961,747,806,196 1,747,806,1961,747,806,196 704,792,587704,792,587s= rNtL vftf 191,238,073 1,556,568,123 1,747,806,196 1,747,806,196 704,792,587v= cGo vftf

hDdf 589,938,827589,938,827 191,238,073 191,238,073 1,567,267,8961,567,267,896 1,758,505,9691,758,505,969 2,348,444,7962,348,444,796 931,896,183 931,896,183gf]6 M ;DalGwt Ohfhtk|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s'n df}Hbft ?= @,^%@,@(!,**$ km/s /sdnfO{ lgSof]{n, ;ldIff / Reconcile ul/Psf] 5 .

dfu tyf cNk;"rgfdf k|fKt x'g] /sdx? @)&$ ;fn cfiff9 d;fGt cg';"rL $=!!


!= :jb]zL d'b|f @= ljb]zL d'b|f

hDdf

nufgL @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@

ljj/0f k|of]hg

o; jif{ ?= ut jif{ ?= Jofkfl/s cGo

!= g]kfn ;/sf/sf] 6«]h/L ljn 34,050,000 34,050,000 49,390,300 @= g]kfn ;/sf/sf] artkq 1,090,950,000 1,090,950,000 493,800,000#= g]kfn ;/sf/sf] cGo C0fkq

$= g]kfn /fi6« a}+s C0fkq 177,570,000 177,570,000 80,000,000 %= ljb]zL C0fkq ^= :jb]zL Ohfhtkqk|fKt ;+:yf 137,743,000 137,743,000 229,743,000 &= ljb]zL a}+s 309,450,000 309,450,000 322,050,000 *= ;+ul7t ;+:yfx?sf] z]o/ 214,471,758 214,471,758 25,141,285 (= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf a08

!)= cGo nufgL -cGt/a}+s ;fk6L_ 52,370,612 52,370,612 s'n nufgL 2,016,605,370 2,016,605,370 1,200,124,585 1,200,124,585 Joj:yf 44,266,953 44,266,953 44,266,953 44,266,953 15,817,303 15,817,303 v'b nufgL 1,972,338,417 1,972,338,417 1,184,307,282 1,184,307,282


ljj/0f k/n df]n

?=

ahf/ d'No

cg';f/ ?=

Joj:yf

/sd ?=

o; jif{

?=

ut jif{

?=

!= z]o/ nufgL 214,471,758 214,471,758 200,038,931 200,038,931 19,289,129 19,289,129 195,182,629 195,182,629 24,195,482 24,195,482

!=! g]kfn lSnol/Ë xfp; ln= 1,830,300 ;'lrs[t gePsf] 1,830,300 921,000

!*,#)# ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=@ rf}tfl/ n3'laQ lalQo sDkgL ln= 6,000,000 ;'lrs[t gePsf] 6,000,000

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

!=# shf{ ;"rgf s]Gb| 27,000 ;'lrs[t gePsf] 27,000

!,%&% ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=$ ;fgf ls;fg ljsf; a}+s ln= 4,985,720 5,956,932 4,985,720

#,(^^ ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=% ?/n dfOqmf] kmfOgfG; 8]enkd]G6 a}+s 900,003 972,625 900,003

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

!=^ g]zgn nfO{km OG:of]/]G; sDkgL ln= 20,481,429 17,818,100 2,663,329 17,818,100 2,663,329

&,&$& ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=& l;4fy{ OG:of]/]G; ln= 6,405,737 5,979,000 426,737 5,979,000 2,200,000

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

!=* l/nfojn dfOqmf] kmfOgfG; ljQLo ;+:yf ln= 2,000 38,000 2,000

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

!=( ckL kfj/ sDkgL ln= 2,600 20,800 2,600

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

!=!) g]kfn nfO{km OG:of]/]G; sDkgL ln= 16,990,540 18,068,976 16,990,540

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

!=!! nfO{km OG:of]/]G; skf{]/]zg g]kfn 6,436,367 4,592,385 1,843,982 4,592,385

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

!=!@ :jfjnDag ljsf; a}+s ln= 9,944,145 11,548,656 9,944,145

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

!=!# PgPnhL OG:of]/]G; sDkgL ln= 3,455,390 2,967,030 488,360 2,967,030

!,((* ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=!$ cf/=P;=l8=l; n3'ljQ ljQLo ;+:yf ln= 2,800 88,500 2,800

#) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=!% c?0f sfa]nL xfO{8«f] kfj/ s+= ln= 59,000 241,310 59,000

%() ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=!^ ªfbL u|'k kfj/ lnld6]8 115,800 304,554 115,800

!,!%* ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf


z]o/, l8j]Gr/ tyf a08df nufgL @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@ -s_

qmdz====


!=!& d]/f] dfO{qmf] kmfO{gfG; sDkgL ln= 8,200 198,360 8,200

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

!=!* a'6jn kfj/ sDkgL ln= 1,584,669 2,037,940 1,584,669 1,096,751

#,@*& ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=!( l;ghL{ kfj/ 8]enkd]G6 sDkgL ln= 123,200 299,376 123,200

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

!=@) ;dtf dfO{qmf]kmfOgfG; ljlQo ;+:yf ln= 1,000 5,000 1,000

!) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=@! km/{jf8 sDo'lg6L dfO{qmf]kmfOgfG; ln= 5,200 167,492 5,200

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

!=@@ uF'/f; nfOkm OG:of]/]G; sDkgL ln= 260,334 465,120 260,334

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

!=@# /fli6«o aLdf ;+:yfg 17,828,095 16,026,500 1,801,595 16,026,500

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

!=@$ g]kfn b'/;+rf/ sDkgL ln= 9,055,098 9,369,000 9,055,098 2,329,256

!#,**) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=@% g]zgn dfOqmf]kmfOgfG; ljQLo ;+:yf ln= 1,900 32,566 1,900

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

!=@^ k|fO{d nfOkm OG:of]/]G; sDkgL ln= 9,101 17,885 9,101

& ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=@& Pe/]i6 OG:of]/]G; sDkgL ln= 10,730 80,850 10,730

## ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=@* gfua]nL n3'ljQ 100 15,750 100

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

!=@( nIdL n3'ljQ ljQLo ;+:yf ln= 400 14,888 400

* ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=#) lrnLd] xfO{8«f]kfj/ sDkgL ln= 10,106,622 6,229,986 3,876,636 6,229,986 5,544,000

&,*)& ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=#! g]zgn xfO{8«f]kfj/ sDkgL ln= 28,115,659 22,936,848 5,178,811 22,936,848 985,000

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

!=#@ lk|ldo/ OG:of]/]G; sDkgL ln= 1,347,592 1,218,490 129,102 1,218,490 1,323,564

&@! ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=## lxdfnog hg/n OG:of]/]G; sDkgL ln= 12,618,713 15,539,955 12,618,713 1,233,720

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

!=#$ ;u/dfyf OG:of]/]G; sDkgL ln= 4,841,804 3,271,200 1,570,604 3,271,200 2,165,702

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

!=#% ;flgdf dfO{ xfO8f]kfj/ s= ln= 2,432,159 3,109,216 2,432,159 2,432,159

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

ljj/0f k/n df]n

?=

ahf/ d'No

cg';f/ ?=

Joj:yf

/sd ?=

o; jif{

?=

ut jif{

?=

qmdz====


!=#^ k|'8]lG;on OG:of]/]G; sDkgL ln= 8,033,740 8,798,400 8,033,740 2,880,000

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

!=#& n'DaLgL hg/n OG:of]/]G; sDkgL ln= 5,932,061 6,820,620 5,932,061

&,##$ ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=#* g]kfn OG:of]/]G; sDkgL ln= 3,765,496 4,139,850 3,765,496 1,084,330

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

!=#( lzv/ OG:of]/]G; sDkgL ln= 5,691,930 4,792,329 899,601 4,792,329

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

!=$) k|e" OG:of]/]G; sDkgL ln= 5,630,775 5,265,000 365,775 5,265,000

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

!=$! Pg=la= OG:of]/]G; sDkgL ln= 730,004 1,091,430 730,004

!,)*^ ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=$@ o'gfO{6]8 OG:of]/]G; sDkgL ln= 1,130,847 1,430,000 1,130,847

!,))) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=$# g]sf] OG:of]/]G; sDkgL ln= 7,880,472 7,892,145 7,880,472

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

!=$$ km:{6 dfO{qmf] kmfO{gfG; 8]enkd]06 a}+s ln= 4,950,797 4,906,200 44,597 4,906,200

$,*!) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

!=$% l5d]s n3'ljQ ljsf; a++}s ln= 1,899,995 2,135,000 1,899,995

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

!=$^ l8k|f]S; 8]enkd]06 a}+s ln= 2,802,534 3,019,750 2,802,534

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

!=$& o'gfO{6]8 df]bL xfO{8«f] kfj/ 33,700 114,917 33,700

##& ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

@= l8j]Gr/ tyf j08 nufgL

@=! ===== sDkgL -k|f=ln÷ln=_

===== k|ltzt l8j]Gr/÷j08 k|lt l8j]Gr/÷j08

======== ?========= n]

@=@ ===================

@=# ==================

s'n nufgL 214,471,758 214,471,758 200,038,931 200,038,931 19,289,129 19,289,129 195,182,629 195,182,629 24,195,482 24,195,482

#= hf]lvd ;DaGwL Joj:yf

#=! ut jif{ ;Ddsf] Joj:yf 945,803

#=@ o; jif{sf] yk÷36 18,343,326

s'n Joj:yf 19,289,129

v'b nufgL 195,182,629 195,182,629 195,182,629 195,182,629 24,195,482 24,195,482

ljj/0f k/n df]n

?=

ahf/ d'No

cg';f/ ?=

Joj:yf

/sd ?=

o; jif{

?=

ut jif{

?=



Jofkfl/s nufgL (Held for Trading) @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@ !

ljj/0f k/n

d'No

kl5Nnf]

ahf/

d'No -s_

xfnsf]

ahf/

d'No -v_

o; jif{

gfkmf÷

-gf]S;fg_

/sd -v–s_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot

1. g]kfn ;/sf/sf] 6«]h/L ljn

2. g]kfn ;/sf/sf] artkq

3. g]kfn ;/sf/sf] cGo C0fkq

4. g]kfn /fi6« a}+s C0fkq

5. ljb]zL C0fkq

6. :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/

7. :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf a08

8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08

9. ljb]zL a}+s nufgL (Placement)

10. Inter Bank Lending

11. cGo nufgL

s'n nufgL

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@=@

ljj/0f k/n d'No

-s_

xfn;Ddsf]

Iflt /sd

-v_

o;

jif{sf]

Iflt

/sd

-u_

o; jif{

gfkmf÷

-gf]S;fg_

/sd

-s–v–u_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot

1. g]kfn ;/sf/sf] 6«]h/L ljn 34,050,000 2. g]kfn ;/sf/sf] artkq 1,090,950,000 3. g]kfn ;/sf/sf] cGo C0fkq

4. g]kfn /fi6« a}+s C0fkq 177,570,000 5. ljb]zL C0fkq


7. :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf

a08

8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf

a08

9. ljb]zL a}+s nufgL (Placement) 309,450,000 10. s= :jb]zL Ohfhtkqk|fKt ;+:yfsf] -cGt/a}+s

;fk6L_

137,743,000

v= cGo 52,370,612 s'n nufgL 1,802,133,612 1,802,133,612


laqmLsf] nflu pknAw nufgL (Available for Sale)@)&$ ;fn cfiff9 d;fGt

cg';"rL $=!@=#

ljj/0f k/n d'No

kl5Nnf]

ahf/

d'No

-s_

xfnsf]

ahf/

d'No

-v_

o; jif{{ sf]if

;dfof]hg

/sd

-v–s_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot





5. ljb]zL C0fkq


7. :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf a08

8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 214,471,758


10. cGo nufgL

s'n nufgL 214,471,758 214,471,758

jflif{s k|ltj]bg @)&#÷&$5454;

]~r'/L

sd

l;{o

n a

}+s ln

ld6]8

k'tnL;

8s, sf7df8

f}+

sh

f{, ;

fk6

ty

f lan

vl/

b j

uL{s

/0f /

;f]s

f] nflu

Jo

j:y

f

@)&$

;fn

cfiff9 d

;fGt

cg';"rL $=!#

ljj/

0f

shf{

vl/b

tyf l8

isfp

G6 u

l/Ps

f] laN;

o; j

if{ ?=

ut j

if{ ?=

:jb

]zL

ljb]z

L h

Ddf

:jb

]zL

ljb

]zL

hDd

f ljk

Gg j

u{ c

Go

ljld

t c

ljld

t

!= ;lqmo

shf{ ;fk6

(Per

form

ing

loan

) 1

,785

,556

,002

3

7,11

8,79

5,28

6 38

,904

,351

,288

3

,200

,000

1

47,

180,

696

150

,380

,696

3

9,05

4,7

31,9

84

25,

029,

057,

402

!=!

c;n

1,7

85,5

56,0

02

36,6

92,5

28,7

88

38,4

78,0

84,7

90

3,20

0,00

0 1

47,

180,

696

150

,380,

696

38,6

28,4

65,4

86

24,6

64,8

03,8

45

!=@

;'Id

lgu/fgL

426

,266

,498

4

26,2

66,4

98

426

,266

,498

3

64,2

53,5

57

@=lgl:q

mo s

hf{ ;

fk6

(Non

Per

form

ing

Loan

) 4

49,

251,

679

449,

251,

679

3,800

,000

3

,800

,000

4

53,0

51,6

79

55,

042,

827

@=!

k'g/;

+/rgf÷

k'gtf{ln

sLs

/0f

@=@

sd;n

193

,290

,088

193

,290

,088

193

,290

,088

2,1

10,8

27

@=#

z+sf:kb

1

60,8

77,8

11

160

,877

,811

1

60,8

77,8

11

@=$ v

/fa

95,

083,

780

95,

083,

780

3,800

,000

3

,800

,000

9

8,8

83,

780

52,

932,

000

-s_ s'n s

hf{ -! ±

@_

-! ±

@_

1,7

85,5

56,0

02

1,7

85,5

56,0

02

37,5

68,0

46,

965

37,5

68,0

46,

965

39,

353,60

2,96

7 3

9,35

3,60

2,96

7 7,

000,

000

7,00

0,00

0 1

47,

180,

696

147,

180,

696

154

,180

,696

1

54,180

,696

3

9,50

7,78

3,66

3 3

9,50

7,78

3,66

3 2

5,08

4,100

,229

2

5,08

4,100

,229

#

= shf{ gf]S;fg

L Jo

j:y

f #=!

c;n

17,

855

,560

3

68,3

66,0

76

386,

221,

636

32,

000

1,4

71,8

07

1,5

03,8

07

387,

725,

443

246,

648,0

39

#=@

;'Id

lgu/fgL

21,

313,

325

21,

313,

325

21,

313,

325

14,5

70,1

42

#=#

k'g/;

+/rgf÷

k'gtf{ln

sLs

/0f

#=$ s

d;n

48,3

22,5

22

48,3

22,5

22

48,3

22,5

22

527

,707

#=% z

+sf:kb

8

0,438

,906

8

0,438

,906

8

0,438

,906

#=^

v/fj

95,

083,

780

95,

083,

780

3,800

,000

3

,800

,000

9

8,8

83,

780

52,

932,

000

#=&

clt

l/Qm shf{ gf]S;fg

L Jo

j:y

f

1

,469

,947

-v_ s'n Joj

:yf

17,

855

,560

1

7,855

,560

6

13,5

24,6

09

613

,524

,609

6

31,3

80,

169

631

,380,

169

3,832

,000

3,

832

,000

1

,471

,807

1

,471

,807

5

,303

,807

5

,303

,807

6

36,6

83,

976

636

,683,

976

316

,147,

835

3

16,1

47,

835

$= ut j

if{;;Dd

sf] Jo

j:y

f $=! c

;n

15,

377,

023

292

,778

,840

308

,155

,863

2

06,5

25 2

06,5

25

308

,362

,388

198

,145,

443

$=@ ;

'Id lgu/fgL

1,0

13,2

22

55,

208,5

51

56,

221,

773

56,

221,

773

$=# k

'g/;

+/rgf÷

k'g/t

f{lnsLs

/0f

228

,750

2

28,7

50

228

,750

9

,651

,775

$=$

sd;n

1,5

67,3

18

53,

437

,354

5

5,00

4,6

72

55,

004,6

72

$=%

z+sf:kb

6

15,6

31

34,5

29,2

35

35,

144,8

66

35,

144,8

66

610

,172

$=^ v

/fj

579

,617

9

1,37

4,5

50

91,

954,1

67

3,800

,000

3

,800

,000

9

5,75

4,1

67

1,9

60,7

50

$=& c

ltl/Qm shf{ gf]S;fg

L Jo

j:y

f 6

,160

,957

6

,160

,957

6

,160

,957

4

8,3

03,4

55

-u_ ut j

if{;Dd

sf] s'n Joj:y

f 1

9,15

2,811

5

33,7

18,2

37

552

,871

,048

3,800

,000

2

06,5

25

4,0

06,5

25

556

,877

,573

2

58,6

71,5

95

-3_ o; j

if{sf] Jo

j:y

faf6 lˆmtf{

1,2

97,2

51

1,2

97,2

51

1,2

97,2

51

25,

012,

254

-ª_ o; j

if{sf] yk

Joj:y

f

7

9,806

,372

7

9,806

,372

3

2,00

0 1

,265

,282

1,2

97,2

82

81,

103,

654

82,

488,4

94

o; j

if{sf] v'b

yk3

6 (1

,297

,251

) 7

9,806

,372

7

8,5

09,1

21

32,

000

1,2

65,2

82

1,2

97,2

82

79,

806

,403

5

7,476

,240

v'b

shf{ -s

— v

_ 1,

767,

700,

442

1,76

7,70

0,442

36,9

54,5

22,3

56

36,9

54,5

22,3

56

38,7

22,2

22,7

98

38,7

22,2

22,7

98 3

,168

,000

3

,168

,000

14

5,70

8,8

89

145,

708,8

89

148,8

76,8

89

148,8

76,8

89

38,8

71,0

99,6

87

38,8

71,0

99,6

87

24,7

67,9

52,394

2

4,7

67,9

52,394



shf{, ;fk6 / ljN; vl/bsf] ;'/If0f @)&$ ;fn cfiff9 d;fGt cg';"rL $=!# -s_


-s_ ;'/lIft 39,507,783,663 39,507,783,663 25,084,100,229 25,084,100,229 1. rn÷crn ;DklQsf] ;'/If0fdf 36,149,962,981 23,284,032,283 2. :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf 3. ;/sf/L hdfgtdf

4. cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf

5. lgof{t sfuhft (Export Document) sf] ;'/If0fdf 151,652,731 20,652,460 6. d'2tL /l;bsf] ;'/If0fdf 364,302,767 364,302,767 248,589,008 248,589,008

-s_ ;+:yfsf] cfkm\g} d'2tL /l;bsf] ;'/If0fdf 364,302,767 248,589,008 -v_ cGo Ohfhtkqk|fKt ;+:yfsf] d'2tL /l;bsf] ;'/If0fdf

7. ;/sf/L C0fkqsf] ;'/If0fdf 450,000 1,430,000 8. sfp06/ hdfgtdf

9. JolQmut hdfgtdf 5,920,372 6,100,000 10. cGo ;'/If0fdf 2,835,494,812 1,523,296,478 -v_ c;'/lIft

hDdf 39,507,783,663 39,507,783,663 25,084,100,229 25,084,100,229

l:y/ ;DklQ @)&$ ;fn cfiff9 d;fGt cg';"rL $=!$

ljj/0f;DklQ

o; jif{ ?= ut jif{ ?=ejg kl/jxg ;fwg d]lzg/L sfof{no ;fdfg cGo

!= k/ndf]n

-s_ ut jif{sf] df}Hbft 112,325,606 23,822,591 29,261,504 163,547,063 328,956,764 282,227,736

-v_ o; jif{ yk 57,841,038 3,987,839 12,480,024 44,404,842 118,713,743 67,009,576

-u_ o; jif{ k'gd"{NofÍg÷k'gn]{vg

-3_ o; jif{sf] ljqmL

-ª_ o; jif{sf] ckn]vg (11,170,000) (12,285) (28,984) (2,267,810) (13,479,079) (20,280,548)

s'n -s±v±u±3±ª_ k/ndf]n 158,996,644 158,996,644 27,798,145 27,798,145 41,712,544 41,712,544 205,684,095 205,684,095 434,191,428 434,191,428 328,956,764 328,956,764

@= x|f; s§L

-s_ ut jif{;Ddsf] 30,471,591 12,674,271 22,247,232 87,969,924 153,363,018 117,626,910

-v_ o; jif{sf] 19,013,641 3,439,984 3,839,923 23,189,260 49,482,808 47,363,373

-u_ x|f;s§L k'gd'{NofÍg÷k"gn]{vg

-3_ x|f;s§L /sd ;dfof]hg÷lkmtf{ (5,178,928) 114,194 (28,983) (1,724,460) (6,818,177) (11,627,265)

s'n x|f;s§L 44,306,304 44,306,304 16,228,449 16,228,449 26,058,172 26,058,172 109,434,724 109,434,724 196,027,649 196,027,649 153,363,018 153,363,018

#= a's Eofn' (WDV)*-!–@_ 114,690,340 11,569,696 15,654,372 96,249,371 238,163,779 175,593,746

$= hUuf 20,208,850 20,208,850

%= k"FhLut lgdf{0f -k"FhLs/0f ul/g' kg]{_

^= nLh xf]N8 ;DklQ 97,179,280 97,179,280 81,841,544

hDdf -#±$±%±^_ 114,690,340 114,690,340 11,569,696 11,569,696 15,654,372 15,654,372 213,637,501 213,637,501 355,551,909 355,551,909 257,435,290 257,435,290 * Written Down Value (WDV)



u}/ a+}ls· ;DklQ @)&$ ;fn cfiff9 d;fGt cg';"rL $=!%

C0fL jf kf6L{sf] gfd 7]ufgf

u}/ a+}ls·

;DklQ ;sf/

u/]sf] ldlt

s'n u}/ a+}ls·

;DklQ /sd

-?=_

gf]S;fgL Joj:yfv'b u}/ a+}ls·

;DklQ -?=_

ut jif{

-?=_k|ltzt /sd -?=_

1fg]Gb| bf; >]i7

-kf6g kmfOgfG;_

06/02/061 5,608,349 100% 5,608,349

kjg P08 OG6/k|O{h]h

-kf6g kmfOgfG;_

29/09/065 47,513 100% 47,513

s'n hDdf 5,655,862 5,655,862 5,655,862 5,655,862

cGo ;DklQ @)&$ ;fn cfiff9 d;fGt cg';"rL $=!^


1. d;nGb df}Hbft 17,581,497 6,242,952

2. nufgLdf c;'n ug{ afFsL

cfDbfgL

24,612,940 7,881,024

3. shf{df c;'n ug{ afFsL Aofh 84,654,068 8,135,389 1,433,866 Go'gM Aofh d'NtjL /sd 76,518,679

4. c;'n ug{ afFsL sldzg

5. ;G8«L 8]A6;{ 355,459,073 141,926,367

6. sd{rf/L ;fk6L / k]ZsL 374,424,148 251,964,677

7 . clu|d e'QmfgL 8,022,796 5,738,634

8. dfu{:y gub

9. dfu{:y cGo -r]s ;d]t_

10. ljgf ;'rgf 8«fk\m6sf] e'QmfgL

11. ckn]vg x'g afFsL vr{

12. zfvf ldnfg lx;fa

13. :yug s/ ;DklQ 31,252,573 14,785,732

14. cGo ;DklQ 64,792,851 230,368,478 s_ cu|Ld cfos/ 51,773,171 v_ ;'g rfFlbsf] df}Hbft 225,725,167 u_ cGo d;nGb 457,349 371,901 3_ cGo 12,562,331 4,271,410 hDdf 884,281,267 884,281,267 660,341,730 660,341,730



cGo ;DklQ -yk ljj/0f_ @)&$ ;fn cfiff9 d;fGt cg';"rL $=!^ -s_

ljj/0f o; jif{ ?=

ut jif{ ?= ! jif{;Dd ! jif{b]lv

dfly #

jif{;Dd

# jif{eGbf

dfly

hDdf

!= shf{df c;'n ug{ afFsL Aofh 84,654,068 84,654,068 16,297,139 @= ljgf ;'rgf 8«fkm\6sf] e'QmfgL

#= zfvf ldnfg lx;fa

$= :jb]zL tyf ljb]zL Ph]]G;L lx;fa

;Defljt bfloTjx? @)&$ ;fn cfiff9 d;fGt cg';"rL $=!&


!= ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf]

@= k|lttkqx? -dflh{g g36fO{ k"/f /sd_ 2,393,911,325 1,766,107,114 -s_ ^ dlxgf eGbf sd cjlwsf] 1,814,673,136 1,761,335,361 -v_ ^ dlxgf eGbf a9L cjlwsf] 579,238,189 4,771,753

#= k'gM l8:sfpG6 ul/Psf] lanx?

$= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 1,735,908,431 1,473,724,048 -s_ la8 a08 283,021,097 115,983,534 -v_ k/km/d]G; a08 1,277,237,334 1,227,340,514 -u_ cGo Uof/]G6L÷a08 175,650,000 130,400,000

%= r'Qmf jf e'QmfgL x'g afFsL z]o/ nufgL

^= km/jf8{ PS:r]~h sG6«fS6sf] afFsL bfloTjx? 1,962,582,458 1,088,811,162 &= sn]S;gdf /x]sf lanx?

*= d~h'/L tyf ;dy{g (Acceptance & Endorsement) 498,291,314 357,602,265 (= k|Tofe'lt k|lta4tf (Underwriting Commitment)

!)= ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) 7,632,622,528 2,824,606,708 !!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]G6Ldf lbPsf] Uof/]G6L

!@= clu|d e'QmfgL Uof/]G6L (Advance Payment Guarantee) 347,020,726 332,037,269 !#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee)

!$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax)

!%= =========================

hDdf 14,570,336,782 14,570,336,782 7,842,888,566 7,842,888,566



Aofh cfDbfgL ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=!*


s= shf{ ;fk6 / clwljsif{df 3,050,863,648 3,050,863,648 1,980,014,919 1,980,014,919 != shf{ ;fk6 2,112,190,975 1,357,206,844 @= clwljsif{ 938,672,673 622,808,075 v= nufgLdf 58,909,170 58,909,170 27,532,380 27,532,380 != g]kfn ;/sf/sf] ;'/If0fkq 31,150,663 9,756,265

-s_ 6«]h/L laN; 2,167,166 4,334,735 -v_ ljsf; C0fkq 28,983,497 5,421,530 -u_ /fli6«o artkq

@= ljb]zL C0fkq

-s_

-v_

#= g]kfn /fi6« a}+ssf] C0fkq 2,387,223 11,776,356 $= l8j]Gr/ tyf a08

%= cGt/ a}+s nufgLdf Aofh 25,371,284 5,999,759 -s_ :jb]zL a}+s÷ljQLo ;+:yfx? 25,371,284 5,999,759 -v_ cGo ;+:yfx?

u= Ph]G;L df}Hbftdf 9,600,762 9,600,762 4,100,925 4,100,925 != :jb]zL a}+s÷ljQLo ;+:yfx? 70,131 @= ljb]zL a}+sx? 9,530,631 4,100,925 3= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf

!= :jb]zL a}+s÷ljQLo ;+:yfx?

@= ljb]zL a}+sx?

ª cGodf 646,776 646,776 854,392 854,392 != ;l6{lkms]6 ckm l8kf]lh6

@= cGt/ a}+s÷ljQLo ;+:yf shf{

#= cGo Ohfht k|fKt ;+:yfdf hDdf u/]sf] lgIf]k

$= cGo 646,776 854,392 hDdf 3,120,020,356 3,120,020,356 2,012,502,616 2,012,502,616



Aofh vr{ ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=!(

ljj/0f o; jif{ ?= ut jif{ ?=s= lgIf]k bfloTjdf 1,980,282,079 1,980,282,079 1,132,489,554 1,132,489,554 != d'2tL lgIf]k 1,211,351,221 1,211,351,221 706,835,212 706,835,212

!=! :jb]zL d'b|f 1,211,351,221 706,798,519 !=@ ljb]zL d'b|f 36,693

@= art lgIf]k 306,322,131 306,322,131 273,355,117 273,355,117 @=! :jb]zL d'b|f 306,173,672 273,105,405 @=@ ljb]zL d'b|f 148,459 249,712

#= dfu]sf] avt ltg'{kg]{ lgIf]k 462,608,727 462,608,727 152,299,225 152,299,225 #=! :jb]zL d'b|f 462,429,348 151,850,427 #=@ ljb]zL d'b|f 179,379 448,798

$= ;l6{lkms]6 ckm l8kf]lh6;\

v= shf{ ;fk6df 5,445 5,445 224,867 224,867 != C0fkq tyf a08

@= g]kfn /fi6« a}+saf6 k|fKt shf{

#= cGt/ a}+s÷ljQLo ;+:yf shf{ 5,445 224,867 $= cGo ;+ul7t ;+:yf

%= cGo shf{

u= cGodf hDdf 1,980,287,524 1,980,287,524 1,132,714,421 1,132,714,421

sldzg tyf l8:sfp06 ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@)

ljj/0f o; jif{ ?= ut jif{ ?=s= laN; vl/b tyf l8:sfp06 2,713,942 2,713,942 435,787 435,787 != :jb]zL 113,700 40,500 @= ljb]zL 2,600,242 395,287 v= sldzg 50,058,574 50,058,574 44,916,951 44,916,951 != k|lttkq 20,499,484 11,442,555 @= hdfgtkq 19,683,184 20,432,694 #= sn]S;g kmL 158,041 100,954 $= /]ld6]G; kmL 9,717,865 12,940,748 %= qm]l86 sf8{

^= z]o/ k|Tofe'lt÷lgisfzg

&= ;/sf/L sf/f]af/ jfkt

*= O=k|f= sldzg jfkt

(= a§f cfDbfgL

u= cGo 8,466,027 8,466,027 8,234,468 8,234,468 hDdf 61,238,543 61,238,543 53,587,206 53,587,206



cGo ;~rfng cfDbfgL ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@!


!= ;]km l8kf]lh6 eN6sf] ef8f 1,287,363 1,130,193 @= qm]l86 sf8{ lgisfzg tyf gjLs/0f 969,992 #= ATM sf8{ lgisfzg tyf gjLs/0f 26,979,986 27,122,481 $= 6]n]S;÷l6=l6= 4,784,515 3,014,036 %= ;]jf z'Ns 88,137,068 54,266,668 ^= gjLs/0f z'Ns 21,065,107 16,657,585 &= cGo 44,058,614 44,058,614 31,028,701 31,028,701

s= ;'g rfFbLsf] sf/f]jf/af6 ePsf] cfDbfgL 2,237,541 3,189,707 v= cGo ljljw cfDbfgL 41,821,073 27,838,994 hDdf 187,282,645 187,282,645 133,219,664 133,219,664

;6xL 36a9 cfDbfgL÷gf]S;fg ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@@


-s_ ljlgdo b/df ePsf] km/saf6 13,231,506 12,826,357 -v_ ljb]zL d'b|f sf/f]jf/af6 -a§f afx]s_ 90,829,479 76,012,691

hDdf cfDbfgL÷-gf]S;fg_ 104,060,985 104,060,985 88,839,048 88,839,048

sd{rf/L vr{ ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@#


!= tna 123,589,197 101,182,260 @= eQf 88,594,502 55,134,526 #= ;~rosf]ifdf yk 12,009,297 9,711,287 $= tflnd vr{ 4,771,256 966,027 %= kf]zfs 3,331,198 3,098,170 ^= cf}ifwf]krf/ 14,118,861 9,756,912 &= aLdf -b'3{6gf aLdf_ 1,092,868 942,151 *= k]G;g tyf pkbfg Joj:yf 13,679,520 9,213,787 (= cGo 43,383,187 43,383,187 27,418,040 27,418,040

s= labf afkt e'QmfgL vr{ 27,010,565 11,417,732 v= labf afkt lbg' kg]{ vr{ 14,019,880 14,019,880 u= cGo ljljw vr{ 2,352,742 1,980,428 hDdf 304,569,886 304,569,886 217,423,160 217,423,160



cGo ;~rfng vr{ ldlt @)&@ ;fn >fj0f b]lv @)&# ;fn cfiff9 d;fGt;Dd cg';"rL $=@$

ljj/0f o; jif{ ?= ut jif{ ?=!= 3/ef8f 50,043,026 43,937,115 @= aQL lah'nL / kfgL 9,858,715 5,894,021 #= dd{t tyf ;Def/ 5,716,685 4,794,178

-s_ ejg 868,049 -v_ ;jf/L ;fwg 1,345,355 -u_ cGo 3,503,281

$= aLdf 11,173,343 9,828,945 %= kf]i6]h, 6]n]S;, 6]lnkmf]g, km\ofS; 16,327,192 13,370,316 ^= sfof{no pks/0f kmlg{r/ / ;Def/ 1,699,453 1,242,146 &= e|d0f eQf / vr{ 5,593,490 5,045,230 *= d;nGb / 5kfO{ 11,594,267 10,840,858 (= kqklqsf tyf k':ts 214,508 205,159

!)= lj1fkg 14,771,374 8,922,816 !!= sfg'gL vr{ 509,868 247,535 !@= rGbf 286,758 123,137 !#= ;~rfns ;ldlt ;DaGwL vr{ 3,185,320 3,848,025

-s_ a}7s eQf 2,199,000 -v_ cGo vr{ 986,320

!$= ;fwf/0f ;ef ;DaGwL vr{ 1,650,464 1,054,177 !%= n]vfk/LIf0f ;DaGwL 3,500,310 1,219,160

-s_ n]vfk/LIf0f z'Ns 3,456,000 -v_ cGo vr{ 44,310

!^= /sd :yfgfGt/0f sldzg

!&= :yL/ ;DklQdf x|f; s§L 66,170,069 62,952,364 !*= k"j{ ;~rfng vr{ ckn]vg !(= z]o/ lgisfzg vr{ 3,598,308 3,087,768 @)= k|fljlws ;]jf ;f]wegf{ 9,074 130,297 @!= dgf]/~hg vr{ @@= ckn]vg vr{ @#= ;'/Iff vr{ 36,047,409 30,723,971 @$= shf{ ;'/If0f lk|ldod @%= sldzg / l8:sfp06 @^= cGo 81,254,662 81,254,662 62,727,338 62,727,338

s= OGwg vr{ 8,956,889 8,905,150 v= sfof{no tyf cltly vfhf vr{ 6,588,937 5,478,418 u= ATM vr{ 12,684,036 9,340,135 3= jflif{s pT;j / zfvf ;d'b\3f6g vr{ 92,128 1,125,242 ª= btf{ tyf ;b:otf z'Ns 4,476,510 2,510,071 r= ;/;kmfO{ vr{ 7,303,088 6,098,988 5= z'Ns tyf s/ vr{ 3,236,120 1,431,265 h= s/f/ ;]jf vr{ 14,191,335 12,896,318 em= Jofkf/ k|jw{g vr{ 3,037,197 5,208,835 `= oftfoft ;DaGwL vr{ 1,439,481 1,862,392 0f= ;'g sf/f]jf/ afktsf] vr{ 333,860 6= cGo ;]jf vr{ 7,931,204 6,136,449 7= k|flKt ;DaGwL vr{ 9,215,175 8= cGo ljljw vr{ 2,102,562 1,400,215 hDdf 323,204,295 323,204,295 270,194,556 270,194,556



;Defljt gf]S;fgL Joj:yf ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@%


!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 81,103,654 82,488,493

@= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 9,236,536

#= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf

$= cGo ;DklQdf ul/Psf] Joj:yf

hDdf 90,340,190 90,340,190 82,488,493 82,488,493

u}/ ;~rfng cfDbfgL÷gf]S;fg ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@^


!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ 4,250,178 7,375,159

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ (913,661) 789,710

#= nfef+z -v'b_ 5,747,986 262,485

$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot

s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{

v= Aofh Ifltk"lt{

u= ;6xL sfp06/

%= cGo

v'b u}}/ ;~rfng cfDbfgL÷-gf]S;fg_ 9,084,503 9,084,503 8,427,354 8,427,354

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@&


!= shf{ gf]S;fgL Joj:yfaf6 lkmtf{ 1,297,251 25,012,254

@= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ 29,388,560

#= nufgL Joj:yfaf6 lkmtf{ 22,146,500 2,878,500

$= cGo ;DklQsf] Joj:yfaf6 lkmtf{

hDdf 23,443,751 23,443,751 57,279,314 57,279,314



c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@*


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

@= :j]lR5s cjsfz vr{

#= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_

$= cGo vr{÷cfDbfgL

%= =========================

hDdf

ckn]lvt shf{sf] ljj/0f cfly{s jif{ @)&#÷@)&$ cg';"rL $=@* -s_

qm=;+= shf{ k|sf/ckn]vg

ul/Psf]] /sd

lwtf]sf]

k|sf/

tyf /sd

lwtf]

d""Nofs+gsf]

cfwf/

shf{ :jLs[t

ug]{

clwsf/L÷tx

shf{

c;'nLsf

nflu eP

u/]sf k|of;

s}lkmot

!= rfn' kF"hL shf{

@= kl/of]hgf shf{

#= l:y/ kF"hL shf{

$= JolQmut shf{

%= cGo shf{

s'n shf{


qmdz===


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

@)&$ ;fn cfiff9 d;fGt cg';"rL $=@(

vl/b 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, z]o/ xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf Dofg]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;~rfns÷

sfo{sf/L k|d'vsf] gfd

ut jif{;Ddsf] af“sL o; jif{ c;'nL o; jif{ yk

shf{

cfiff9 d;fGt;Dd af“sL;f“jf Aofh ;f“jf Aofh ;f“jf Aofh

s= ;~rfns

!=

@=

v= sfo{sf/L k|d'v

!=

@=

u= ;+:yfks 10,305,000 10,305,000 10,305,000 10,305,000

1. cldt >]i7 299,000 299,000 2. cK;/f >]i7 547,000 547,000 3. x/L k|;fb kf08] 400,000 400,000 4. sdn >]i7 900,000 900,000 5. s[i0f k|;fb >]i7 755,000 755,000 6. nIdL u'?Ë 2,053,000 2,053,000 7. dx]z lai7 202,000 202,000 8. dGh' s]=;L= 504,000 504,000 9. g'tg >]i7 95,000 95,000

10. /fh' s'df/ zdf{ 420,000 420,000 11. /fd s'df/ >]i7 1,170,000 1,170,000 12. /d]z s'df/ sd{rfo{ 2,000,000 2,000,000 13. /GhLtf >]i7 440,000 440,000 14. t'N;L k|;fb >]i7 520,000 520,000 3= sd{rf/L 3,537,000 3,537,000 2,629,000 2,629,000 680,000 680,000 1,588,000 1,588,000

1. clez]; ad 48,000 48,000 2. cldt ah|frfo{ 115,000 115,000 3. cGhg dx{hg 170,000 170,000 4. cg'hf ;'a]8L 129,000 129,000 5. ef]nf k|;fb d}gfnL 30,000 30,000 6. lasfz >]i7 252,000 252,000 7. lakgf ldt[sf 98,000 98,000 8. r+8Lsf hf]zL 515,000 515,000


9. b}nt lbg ldofF 60,000 60,000 10. lbIff >]i7 120,000 120,000 11. lbk]z s'df/ Gof}kfg] 43,000 57,000 100,000 12. lbjz 8+uf]n 172,000 172,000 13. O{zj/ /fh sfsL{ 167,000 10,000 157,000 14. emlaGb| vqL 100,000 100,000 15. s[i0f kf]v/]n 100,000 100,000 16. dx]z vqL 100,000 16,000 116,000 17. dgLiffnfn tfd|fsf/ 78,000 78,000 18. gljg sfsL{ 298,000 298,000 19. ;dL v8\sf 78,000 78,000 20. ;dL/ s'df/ >]i7 200,000 200,000 21. ;lGhj sf]O{/fnf 193,000 193,000 22. ;Qod hf]zL 265,000 70,000 195,000 23. zf]ef kf}8]n 150,000 150,000 24. ;'af; zfd{ 200,000 200,000 25. ;'bLk e'iffn 43,000 43,000 26. ;'/h ltdn;]gf 70,000 70,000 140,000 27. t]h axfb'/ sfsL{ 80,000 80,000 28. of]1]Gb| dNn 200,000 200,000 ª z]o/wgLx?

hDdf 13,842,000 13,842,000 12,934,000 12,934,000 680,000 680,000 1,588,000 1,588,000

cg';"rL $=@(

;+:yfks÷;~rfns÷



shf{




k“"hLsf]if tflnsf @)&$ ;fn cfiff9 d;fGt cg';"rL $=#)

?= xhf/df

qm=;+ ljj/0f o; jif{ ?= ut jif{ ?=!=! hf]lvd efl/t ;DklQ 42,783,511 42,783,511 26,929,389 26,929,389

s= shf{ hf]lvd 41,319,071 25,851,841 v= ;~rfng hf]lvd 1,360,180 995,410 u= ahf/ hf]lvd 104,260 82,138 Pillar II cGtu{t ;dfof]hg

ALM policies & practices are not satisfactory, add 1% of net interest income to RWE 8,798 6,565 Add: RWE equivalent to reciprocal of capital charge of 4 % of gross income as per 6.4A(7) 464,200 362,984 Overall risk management policies and precedures are not satisfactory, Add 4% of RWE as per 6.4A (9)

1,617,744 1,077,176

hf]lvd efl/t ;DklQ -Pillar II cGtu{tsf] ;dfof]hg kl5_ 44,874,253 44,874,253 28,376,114 28,376,114 !=@ k“"hL sf]if -s_ k||fylds k“"hL (Tier I) 6,240,341 6,240,341 3,377,849 3,377,849 !_ r'Qmf k"FhL -;fwf/0f z]o/_ 5,460,629 2,840,800 @_ O{l/l8d]a]n gg\ So'Do'n]l6e lk|k|m/]G; z]o/ #_ z]o/ lk|ldod $_ k|:tfljt af]g; z]o/ 313,554 368,900 %_ ;fwf/0f hu]8f sf]if 449,156 167,373 ^_ ;l~rt gfkmf ÷-gf]S;fg_ 17,002 776 &_ rfn' cf=j=sf] gfkmf ÷ -gf]S;fg_ *_ k"FhL lkmtf{ ;dfof]hg sf]if (_ k"FhL ;dfof]hg sf]if

!)_ nfef+z ;dLs/0f sf]if !@_ cGo :jtGq sf]ifx? 30,846 14,786

36fpg] M — Voflt (Goodwill) jfktsf] /sd— :yug s/ hu]8f sf]if (30,846) (14,786)— ckn]vg gu/LPsf ljljw ;DklQ — O{hfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL — ljlQo :jfy{ /x]sf] ;+:yfdf /x]sf] nufgL — ;LdfeGbf al9 nufgL — k|Tofe'tL cGtu{t ul/Psf] nufgL — kf/:kl/s qm; xf]N8L+u — cGo Piller II cGtu{tsf] ;dfof]hg36fpg]M ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf 36fpg]M ^=$ -s_ -@_ cGt/ut ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ ;'ljwf

-v_ k"/s k“"hL 425,205 425,205 270,543 270,543 !_ So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/ @_ ;'/If0f g/flvPsf] ;xfos cfjlws C0f #_ xfOla|8 k"FhL pks/0fx? $_ c;n shf{ gf]S;fgL Joj:yf 409,039 261,468 %_ ;6xL ;dLs/0f sf]if 11,914 8,591 ^_ nufgL ;dfof]hg sf]if 4,252 484 &_ ;DklQ k'gd"{NofÍg sf]if *_ cGo sf]if 6,767 s'n k“"hL sf]if 6,665,546 6,665,546 3,648,392 3,648,392

!=# k“"hLsf]if cg'kftk||fylds k"“hL ÷ s'n hf]lvd efl/t ;DklQ (Tier I) 13.91%13.91% 11.90%11.90%k"“hL sf]if ÷ s'n hf]lvd efl/t ;DklQ (Tier I & Tier II) 14.85%14.85% 12.86%12.86%

jflif{s k|ltj]bg @)&#÷&$ 6767;

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6,08

0 18

6,08

0 18

6,08

0 18

6,08

0 s''n s

hf{ hf]lv

d55

0,38

0 55

0,38

0 11

4,1

60

114,1

60

664,5

40

664,5

40

?= x

hf/df

shf{{ /s

d

cfk\mgf]

a}+sdf

/x]sf]

lgIf]k

cGo

a}+sdf

/x]sf]

lgIf]k

;'g

;/s

f/

tyf

g]kfn

/fi6««

a+}s

g]kfn

;/s

f/sf]

hdf

gt

cGo

b]zsf]

;/s

f/sf]

hdf

gt

:jb]z

L

a}+ssf]

hdf

gt

ljb]]z

L

ax'klIfo

ljsf;

a}+sx?

sf]

hdf

gt

ljb]]z

L

a}+ssf]

hdf

gt

tyf

;''/I

f0f

s'n



;~rfng hf]lvd @)&$ ;fn cfiff9 d;fGt cg';"rL $=#) -3_

?= xhf/df

ljj/0f

@)&# cfiff9 d;fGtsf] cl3Nnf aif{x? @)&$

cfiff9

d;fGt @)&)÷)&! @)&!÷)&@ @)&@÷)&#

v'b Aofh cfDbfgL 427,797 656,492 879,788

sldzg tyf l8:sfp06 51,875 67,051 53,587

cGo ;~rfng vr{ 92,195 103,379 133,220

;6xL 36a9 cfDbfgL 82,575 80,538 88,839

o; jif{sf] yk Aofh d'NtjL lx;fj (633) (1,482) 5,130

s''n cfDbfgL -s_ 653,809 653,809 905,978 905,978 1,160,564 1,160,564

tf]lsPsf] k|ltzt -v_ 15%15% 15%15% 15%15%

tf]lsPsf] k|ltztn] x'g] s'n cfbfgL -u_=-s_X-v_ 98,071 98,071 135,897 135,897 174,085 174,085

;+rfng hf]lvdsf] nflu cfjZos k"“hL -3_=-u_ sf] cf}ift 136,018 136,018

hf]lvd ef/ (Reciprocal of Capital Requirement) -ª_ 10 10

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_=-3_X-ª_ 1,360,180 1,360,180

Pillar II cGtu{tsf] ;dfof]hg

^=$ c -*_ cg';f/ ut # aif{sf] s'n cfDbfgL C0ffTds ePdf

s'n shf{ tyf nufgL -ljif]z Joj:yfsf] ;dfof]hg kl5_

;~rfng hf]lvdsf] nflu cfjZos k"FhL

hf]lvd ef/ (Reciprocal of capital requirement of 10%) -5_ 10

;~rfng hf]lvdsf] nflu efl/t /sd -h_

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -em_=-r_+-5_+-h_ 1,360,1801,360,180



ahf/ hf]lvd @)&$ ;fn cfiff9 d;fGt cg';"rL $=#) -ª_

?= xhf/df

qm=;+= ljj/0f

@)&$ cfiff9 d;fGt @)&# cfiff9

d;fGt ljb]zL

d'b|fsf] ;fGble{s

v'b cj:yf -g]=?=_

ljb]zL d'b|fsf]

v'b cj:yf -la=d'=_

ljb]zL d'b|fsf]

v'b cj:yf -g]=?=_

ljb]zL d'b|fsf]

;fGble{s v'b

cj:yf -g]=?=_

1. ef/tLo ?lkoFf 99,365 159,058 159,058 150,887

2. cd]l/sL 8n/ 329 33,943 33,943 5,505

3. kfp08 :6ln{+8 33 4,429 4,429 3,541

4. o'/f] 19 2,239 2,239 2,984

5. yfO{ ef6 19 58 58 69

6. l:j; k|m}+s 1 143 143 208

7. ci6«]lnog 8n/ 0.19 15 15 72

8. Sofg]l8og 8n/ 5 372 372 83

9. l;+ufk'/ 8n/ 5 394 394 56

10. hfkfgL o]g 531 483 483 145

11. xªsª 8n/ 4 52 52 92

12. 8]lg; qmf]g/ 64

13. l:jl8; qmf]g/

14. ;fpbL c/a l/ofn 57 1,558 1,558 194

15. stf/L l/ofn 61 1,714 1,714 26

16. ;+o'Qm c/a Old/]6;\ lb/fd 14 380 380 166

17. dn]l;og l/+lu6 140 3,349 3,349 69

18. sf]l/og jf]g 193 17 17 1

19. lrlgof o'cfg 3 50 50

20. s'j]tL lbgf/ 1 257 257 114

Total Open Position -s_ 208,511 208,511 164,276 164,276

tf]lsPsf] k|ltzt -v_ 5%5% 5%5%ahf/ hf]lvdsf] nflu cfjZos k"“hL -u_ Ö -s_ X -v_ 10,426 10,426 8,214 8,214

hf]lvd ef/ (Reciprocal of Capital Requirement) -3_ Ö !))÷!) 1010 1010

ahf/ hf]lvdsf] nflu hf]lvd efl/t /sd -ª_ Ö -u_ X -3_ 104,260 104,260 82,140 82,140


;]~r

'/L s

dl;

{on

a}+s

lnld

6]8k't

nL;

8s, sf7df8

f}+

k|d

'v ;

'rs

f°

sDt

Ldf ljut %

jif{sf] kl/;

"rsx?

cg';"rL $=#!

ljj/

0f;"rsf°

cf=j

@)^(

÷&)

cf=j

@)&)

÷&!

cf=j

@)&!

÷&@

cf=j

@)&@

÷&#

cf=j

@)&#

÷&$

!=

v'b

gfkmf÷

s'n c

fDbfgL k|ltzt

k|ltzt

6.5

8

5.3

2 1

2.34

1

8.0

7 1

4.4

4

@=

k|lt z

]o/

cfDbfgL

?= 6

.15

4.3

5 1

2.30

1

4.5

6 9

.18

#=

k|lt z

]o/

ahf/ d

"No?=

331

.00

319

4

61

290

$

=d"No

cfDbfgL cg'kft (

PE R

a o

)cg'kft

76.

09

25.

93

31.

66

31.

59

%=

z]o/

k"FhLd

f nfe

f+z -af]g

; ;

lxt_

k|ltzt

9.4

7 9

.47

10.

00

9.0

8

^=

z]o/

k"FhLd

f gub

nfe

f+z e

'Qmfg

Lk|ltzt

3.4

7 0

.47

4.0

8

&=

Aofh

cfDbfgL÷

shf{ tyf ;fk6

k|ltzt

9.8

8

9.3

6 9

.15

8.0

2 7

.90

*=

sd{rf/L vr{÷s'n ;

~rfn

g v

r{

k|ltzt

34.9

3 3

2.09

4

2.99

4

4.5

9 4

8.5

2 (

=s'n lgIf]k

tyf ;fk6Ldf Ao

fh v

r{

k|ltzt

5.0

0 5

.31

4.8

3 3

.91

4.6

5 !

)=

;6x

L 36a

9 cfDbfgL÷

s'n c

fDbfgL

k|ltzt

6.3

2 1

2.62

8

.88

7.6

9 6

.97

!!=

sd{rf/L af]g

;÷s'n s

d{rf/L vr{

k|ltzt

10.

73

10.

74

19.

77

27.

22

24.0

8

!@=

v'b

gfkmf÷

shf{ ;fk6

k|ltzt

0.7

3 0

.58

1.2

8

1.6

5 1

.27

!#=

v'b

gfkmf÷

s'n ;

DklQ

cg'kft

0.5

0 0

.42

0.9

5 1

.26

1.0

0 !

$=

s'n s

hf{÷

lgIf]k

k|ltzt

79.

73

81.

80

81.

58

86.

59

92.

76

!%=

s'n ;

~rfn

g v

r{÷s'n ;

DklQ

k|ltzt

6.3

7 6

.58

5.9

5 4

.95

5.2

1 !

^=hf]lv

d e

fl/t ;

DklQ

df k"Fh

Lsf]ifs

f] ko

f{Kttf

-s

_ k|fyld

s k

"FhL

k|ltzt

11.

78

13.

17

10.

35

11.

90

13.

91

-v

_ k'/

s k

"FhL

k|ltzt

0.8

8

0.9

3 0

.88

0.9

5 0

.95

-u

_ s'n k

"FhL sf]if

k|ltzt

12.

66

14.1

0 1

1.23

1

2.86

14.8

5 !

&=t/n

tf

(CRR

)k|ltzt

6.5

2 1

9.23

1

2.11

1

3.92

1

3.44

!*=

lgis

[o s

hf{÷

s'n s

hf{

k|ltzt

0.4

9 0

.51

0.2

7 0

.22

1.1

5 !(=

cfw

f/ b

/k|ltzt

11.

45

9.7

6 8

.81

7.0

5 1

1.17

@

)=

Aofh

b/

cGt

/ (W

eigh

ted

Aver

age

Inte

rest

- Rat

e Sp

read

)k|ltzt

3.4

3 4

.05

4.2

0 4

.18

4.6

1 @

!=a's g

]6jy{

?=1,

218,6

74,8

83

2,1

56,1

28,8

72

2,4

05,9

96,8

95

3,3

86,

923,

252

6,2

64,2

21,5

03

@@=

s'n z

]o/

;+Vo

f 1

0,800

,000

2

0,00

0,00

0 2

1,20

0,00

0 2

8,4

08,0

00

54,6

06,2

95

@#=

s'n s

d{rf/L

;+Vo

f 2

57

248

293

3

34

570

@

$=

cGo



cg';"rL #@

k|d'v n]vf gLltx?

!= ;+u7gfTds hfgsf/L ;]~r'/L sdl;{on a}+s lnld6]8 -o; kl5 a}+s elgPsf]_ sDkgL P]g @)^# cGtu{t klAns lnld6]8 sDkgLsf] ?kdf

@)^& a}zfv !) ut] btf{ ePsf] sDkgL xf] . o; a}+sn] ldlt @)^& df3 ( ut] g]kfn /fi6« a}+saf6 æsÆ ju{sf]

jfl0fHo a}+ssf] ?kdf sf/f]af/ ;~rfng cg'dlt kq k|fKt u/]sf] xf] . o;sf] k|wfg sfof{no k'tnL;8s, sf7df8f}+df

/x]sf] 5 . o;n] kmfNu'0f @^, @)^& b]lv ljlwjt\ ?kdf a}+lsË sf/f]af/ z'? u/]sf] xf] .

;+:yf dh{/÷k|flKt -PlSjlh;g_ ;DaGwdf cf=a= @)&#÷@)&$ df o; a}+sn] b'O{ j6f lasf; a}+s tyf Ps kmfO{gfG; sDkgL s|dzM OGgf]e]l6e 8]enkd]06

a}+s ln=, c/lgsf] 8]enkd]06 a}+s ln= tyf ;u/dfyf kmfOgfG; ln= nfO{ k|flKt u/]sf] 5 . o; a}+sn] OGgf]e]l6e

8]enkd]06 a}+s ln= tyf c/lgsf] 8]enkd]06 a}+s ln= ;+u ldlt @)&$÷)@÷@* tyf ;u/dfyf kmfOgfG; ln= ;+u

ldlt @)&$÷)#÷#! b]lv PsLs[t sf/f]jf/ z'? u/]sf] xf] .

jf;nftsf] ldtL kl5 tyf ljQLo ljj/0f k|sfzg x'g'eGbf cl3 o; a}+sn] yk b'O{ ;+:yf cNkfO{g 8]enkd]06 a}+s

ln= tyf ;]tL kmfOgfG; ln= nfO{ k|fKtL u/L ldtL @)&$÷)*÷@$ ut] b]vL PsLs[t sf/f]jf/ u/]sf] 5 .

g]kfn /fi6« a}+ssf] lgb]{zg jdf]lhd o; a}+sn] r'Qmf k"FhL ?= * cj{ k'¥ofpg] p2]Zon] # ljsf; a}+s tyf @ ljQLo

;+:yf k|fKtL tyf xsk|b z]o/ hf/L u/]sf] 5 / gk'u k"FhL k|:tfljt af]gz ;]o/af6 k'Ug] 5 .

;~rfns ;ldltaf6 ljQLo ljj/0fsf] :jLs[lt ;+nUg o; a+}ssf] cf=j= @)&#÷&$ sf] ljQLo ljj/0fx¿ a}+ssf] ;~rfns ;ldltn] ldlt @)&$ df3 !* df

:jLs[t u/]sf] 5 . g]kfn n]vfdfg cg'?k oyfy{ / plrt lrq0f ug]{ ljQLo ljj/0fx? tof/ Pj+ k|:t't ug]{ lhDd]jf/L

Joj:yfkgdf /x]sf] 5 .

k|d'v sf/f]jf/x? o; a}+sn] jfl0fHo a}+ssf] ?kdf sf/f]af/ ;~rfng ub}{ cfO/x]sf] 5 ;fy} cGo ljQLo ;]jfx? h:t} ljk|]if0fsf] sf/f]af/,

k|lttkqx? sf/f]af/ / cGo ljlQo sf/f]af/x? a+}s tyf ljlQo ;+:yf ;DalGw P]g, @)^# tyf g]kfn /fi6« a}+ssf]

lgb]{zg cg';f/ ub}{ cfO/x]sf] 5 .

b]ze/ km}lnPsf zfvf dfkm{t a}+sn] ljleGg lsl;dsf ;'ljwf tyf ;]jfx? cfˆgf u|fxsx?nfO{ k|bfg ub{} cfPsf]

5 . cfiff9 d;fGt;Dddf a}+ssf] ^* j6f zfvfx?, !) j6f zfvf /lxt a+}lsË sfp06/, ^ j6f PS6]Gzg sfpG6/

/ #* j6f ATM x? /x]sf 5g\ .

cNkfO{g 8]enkd]06 a}+s ln= tyf ;]tL kmfOgfG; ln= nfO{ k|fKtL kZrft\ xfn o; a}+ssf] *( j6f zfvfx?, !) j6f

zfvf /lxt a+}lsË, & j6f PS6]Gzg sfpG6/ / #( j6f ATM x? /x]sf 5g\ .

@= k|d'v n]vf gLltx? n]vf lglt eGgfn] ljlQo ljj/0f tof/ ubf{ a+}sn] k|of]u u/]sf] tf]lsPsf n]vf l;4fGt tyf tL l;4fGt ckgfpg]

ljlwx? hgfpF5 . ljQLo ljj/0fx? tof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf 5g\ .

cGoyf n]lvPsf] afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

#= n]vf;DaGwL cjwf/0ff ;+nUg ljQLo ljj/0fx? cGoyf pNn]v ePsf cj:yfx? afx]s g]kfn n]vfdfg af]8{åf/f hf/L ul/Psf n]vfdfgx?,

;j{dfGo n]vf lglt, a}+s tyf ljQLo ;+:yf;DaGwL P]g @)^#, g]kfn /fi6« a}+saf6 hf/L ul/Psf lgb]{zgx? tyf

sDkgL P]g @)^# sf] clwgdf /xL tof/ kfl/Psf] 5 .


$= n]vf°gsf] cfwf/ s_ ljb]zL d'b|f;+u ;DalGwt ;DklQ tyf bfloTj afx]s cGo ;a} ljj/0fx¿ P]ltxfl;s nfutsf] cfwf/df tof/

ul/Psf 5g\ .

v_ cGoyf pNn]v ul/Psf] cj:yfdf afx]s ;+nUg ljQLo ljj/0fx¿ tof/ kfbf{ a}+ssf] Joj;fosf] lg/Gt/tf,

n]vf+sgsf] k|f]befjL cfwf/ tyf n]vf gLltx¿sf] Ps?ktf (Going Concern, Accrual Basis and Consistency

Concept) nfO{ cfwf/ dflgPsf] 5 .

u_ ljQLo ljj/0fx¿ tof/ kfbf{ g]kfn n]vfdfgx¿ cg'?k ;DklQ tyf bfloTj -e}k/L cfpg] bfloTj ;d]t_ jf;nft

ldltdf pNn]v ubf{ tyf ;ldIff jif{sf] cfo Joodf s]lx n]vf cg'dfgx¿ ul/Psf 5g\ . ljQLo ljj/0f tof/

ubf{ k|of]u ul/Psf oL cg'dfgx? Joj:yfkgn] plrt 7fg]sf] 5 .

3_ ;fy} ljleGg n]vf gLltx¿sf] kfngf ug]{ qmddf Joj:yfkgåf/f ljj]s klg k|of]u ug'{kg]{ cfjZostf /xG5 /

cfly{s ljj/0fx¿ cGoyf pNn]v ul/Psf] afx]s k|f]befjL (accrual) sf] cfwf/df tof/ ul/Psf] 5 .

Aofh cfDbfgL shf{ tyf ;fk6Ldf jfx]s Jofh cfDbfgLnfO{ k|f]befjL (accrual) sf] cfwf/df n]vfÍg ul/Psf] 5 . shf{ tyf ;fk6Ldf

k|fKt x'g] Aofh g]kfn /fi6« a}+ssf] lgb]{lzsfg';f/ gub k|flKtsf] cfwf/df n]vf+sg ul/Psf] 5 .

o;/L Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/df n]vf+sg ug'{ g]kfn n]vfdfg & -cfosf] n]vf+sg_ sf] cfonfO{ kfs]sf]

cfwf/df n]vf+sg ug'{kg]{ l;4fGtsf] cg'?k 5}g .

a}+sn] g]kfn /fi6« a}+ssf] Ohfhtkqk|fKt …a}+s tyf ljQLo ;+:yfsf] ljQLo ljj/0f k|sfzg ug{ ;xdlt k|bfg ug]{

tyf nfef+z :jLs[t ug]{ ;DaGwL dfu{bz{g, @)^(Ú cg';f/ c;f/ d;fGt;Dd kfs]sf] Jofh >fj0f !% ;Dddf k|fKt

ePdf c;f/ dlxgfs} cfDbfgL ;/x dfGotf lbg] Joj:yf ePadf]lhd @)&$ >fj0f !% ut];Dd k|fKt ePsf] /sd

;d]t @)&$ cfiff9 d;fGtdf cfDbfgL hgfpg] gLlt lnOPsf] 5 . @)&$ c;f/ d;fGt;Dd shf{df c;'n ug{ afFsL

Aofh @)&$ >fj0f !% ut] ;Dd k|fKt eO{g;s]sf] /sdnfO{ Jofh d'NtjL vftfdf /sdfGt/ ul/Psf] 5 .

%= Jofh u0fgf ljlw shf{ tyf ;fk6Ldf k|fKt x'g] Jofh cfDbfgL tyf lgIf]k÷;fk6Ldf ltg'{kg{] Jofh vr{ Ps jif{nfO{ #^% lbgsf] cjwL

u0fgf u/]/ lgsflnPsf] 5 . t/ cd]l/sL 8n/df ePsf] ;fk6L÷nufgL JofhnfO{ ! jif{nfO{ #^) lbgsf] cjlw u0fgf

u/]/ lgsflnPsf] 5 .

^= sldzg tyf /]ld6fG; cfo ! jif{eGbf a9L ;dofjlw ePsf] hdfgtkqsf] ?= !)),)))÷– eGbf al9 sldzg cfonfO{ hdfgtkqsf] cjlw

cg';f/ k|f]befjL cfwf/df n]vf+sg ul/Psf] 5 . cGo ;a} sldzg cfonfO{ sf/f]af/ ubf{s} avtdf cfDbfgL hgfOPsf]

5 . dfly pNn]lvt k|fjwfg cg';f/ ;do cufj} k|fKt ePsf] sldzgnfO{ kfsL g;s]sf] sldzg lx;fjdf n]vfÍg

ul/Psf] tyf o; ljQLo ljj/0fsf] cg';"rL $=& df k|:t't ul/Psf] 5 .

&= Jofh vr{ lgIf]k bfloTj tyf ;fk6Ldf ltg'{ kg]{ JofhnfO{ k|f]befjL cfwf/df (Accrual Basis) df n]vfÍg ul/Psf] 5 h;nfO{

ljQLo ljj/0fsf] cg';"rL $=!( df b]vfOPsf] 5 .

*= shf{, ;fk6L tyf shf{ gf]S;fgL Joj:yf o; cGtu{t clwljsif{, v/Lb ul/Psf ljN;, cNksflng shf{, bL3{sflng shf{, pkef]Qmf shf{ tyf k|ToIf jf

ck|ToIf ?kdf ljkGg ju{df k|jflxt shf{x¿ /x]sf 5g\ . oL shf{ ;fk6L, ljn vl/b ;d]t, g]kfn /fi6« a}+ssf]

lgb]{zgsf] clwgdf /xL jlu{s/0f ul/Psf 5g\ tyf jf;nftdf shf{ gf]S;fgL Joj:yf jfkt 5'6\ofOPsf] /sd s6\6f

u/L b]vfOPsf] 5 . s'n shf{ /sd / shf{ gf]S;fgL Joj:yf /sd cg";'rL $=!# df b]vfO{Psf] 5 .


s= shf{ gf]S;fgL Joj:yf a}+sn] shf{ tyf nufgLdf lgxLt hf]lvdnfO{ Go'g ug{ cfjZos /sdsf] Joj:yf u/]sf] 5 . g]kfn /fi6« a}+ssf]

ljBdfg lgb]{lzsf Pj a+}ssf] :jd"Nof+sgsf] cfwf/df shf{, ;fk6 tyf ljn vl/bnfO{ jlu{s/0f u/L ! k|ltzt

b]lv !)) k|ltzt ;Dd shf{ gf]S;fgL Joj:yf ul/Psf] 5 .

v= cGo Joj:yf cfly{s aif{sf] cGTodf ;+rfng vr{, ;DklQ nufot ;Defljt ;DklQ Pj+ bfloTjdf ;+efljt gf]S;fgL jfkt

g]kfn n]vfdfg #& adf]lhd cfjZos /sdsf] Joj:yf ul/Psf] 5 .

(= shf{sf] ;f“jf tyf Aofh c;'n ug]{ Joj:yf ;DjlGwt C0fLaf6 /sd c;'n pk/ ubf{ To:tf] c;'n /sd dWo]af6 ;j{k|yd c;'n pk/ ug'{kg]{ Aofh /sd ;Dk"0f{

?kdf c;'n pk/ ePkl5sf] cj:yfdf dfq afFsL /sd ;fFjfdf cfjZos lx;fj ldnfg ug]{ ul/Psf] 5 .

!)= nufgL 6«]h/L ljn, ljsf; C0fkq tyf artkqdf ul/Psf] nufgLnfO{ e'QmfgL ldlt;Dd wf/0f ug]{ nufgLdf b]vfpg] ul/Psf]

5 / To; ;'/If0fkqdf ul/Psf] nufgLnfO{ z'? nfut d"No cyjf z'? nfut d'Nodf lk|ldod÷l8:sfpG6 kl/zf]wg

u/L n]vfÍg ul/Psf] 5 . a}+sn] u/]sf] nufgL lgDg adf]lhd tLg k|sf/df ljefhg ul/Psf] 5 .

s_ Jofkfl/s nufgL (Held for Trading): o; lsl;dsf nufgLx¿ ljls|of]Uo nufgL x'g\ / 5f]6f] cjlwd} ljlqm ug]{ / k|ltkmn k|fKt ug]{ k|fylds p2]Zo

/x]sf] x'G5 . z'?cftdf oL nufgLx¿nfO{ k/n d"Nodf u0fgf u/L kl5 ahf/ d"Nodf u0fgf ug]{ ul/G5 . oL

nufgLsf] sf/f]af/ tyf k'gd{"NofÍgaf6 cflh{t gfkmf jf gf]S;fgnfO{ gfkmf gf]S;fg -cfo ljj/0f_ lx;fjdf

n]vfÍg ul/G5 . o; k|ltj]bg jif{df a}+s;Fu o:tf] Jofkfl/s nufgL /x]sf] 5}g .

v_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity): o; lsl;dsf nufgLx¿ e'QmfgL ldlt ;Dd wf/0f ug]{ k|fylds p2]Zosf ;fy wf/0f ul/Psf x'G5g\ / oL nfut

d"Nosf cfwf/df jf;nftdf e'QmfgL ldlt;Dd b]vfOPsf x'G5g\ . o:tf nufgLdf >[hgf x'g] IfL0ftf gf]S;fgL

(Impariment Loss) nfO{ gfkmf gf]S;fg lx;fadf vr{ n]vf+sg ul/G5 . o:tf nufgL vl/b ubf{ nfu]sf]

lk|ldod÷l8:sfpG6nfO{ nfut vr{sf cËsf] ?kdf n]vfÍg ul/G5 / tTtkZrft\ ;dfg'kflts lx;fan] e'QmfgL

ldlt;Dd Jofh cfDbfgL;Fu ldnfg u/L ckn]vg ul/G5 .

u_ ljqmLsf] nflu pknAw nufgL (Available for Sale): o; lsl;dsf nufgLx¿df nfdf] ;do;Dd lalqm gu/L wf/0f ug]{ eGbf lalqm u/L nfut p7fpg] k|fylds

p2]Zo /x]sf] x'G5 . z'?cftdf oL nufgLx¿nfO{ k/n d"Nodf u0fgf u/L kl5 ahf/ d"Nodf u0fgf ug]{

ul/G5 . o;sf] lalqm tyf k'gd{"NofÍgaf6 cflh{t gfkmf gf]S;fgnfO{ nufgL ;dfof]hg sf]if÷;~rLt gfkmfdf

n]vfÍg ul/G5 . O{lSj6L z]o/df ul/Psf nufgL o; ju{df b]vfO{Psf] 5 .

!!= l:y/ ;DklQ tyf x|f;s§L s_ l:y/ ;DklQsf] /sdnfO{ P]ltxfl;s d'Nodf ;+lrt x|f;s§L 36fO{ b]vfOPsf] 5 . l:y/ ;DklQx¿sf] x|f;s§L ubf{ cg'dflgt l6sfp cjlw tyf kq' d"No (Residual Value) nfO{ cfwf/ dfgL

;db/ x|f; ljlw (Straight Line Method) df n]vfÍg ul/Psf] 5 . l:y/ ;DklQsf pkef]Uo cfo' tyf o;;Fu

;DalGwt cg'dfgx¿ P]ltxfl;s cg'ej tyf cGo ljleGg pko'Qm sf/sx¿sf cfwf/df lglZrt ul/Psf 5g\ .

l:y/ ;DklQsf] x|f;s§L a}+ssf] Joj:yfkgn] :jLs[t u/] adf]lhdsf lgDglnlvt ;DklQsf] cfo'sf] cfwf/df

ul/Psf] 5 M


:y/ ;DklQsf] ljj/0f ;DklQsf] l6sfp cjlw

sfof{no pks/0f % jif{

sf7sf] kmlg{r/ & jif{

wft'sf kmlg{r/ !) jif{

;jf/L ;fwgx? & jif{

sDKo'6/ % jif{

d]l;gl/h & jif{

Ps cfly{s jif{df ?= !),)))÷– jf ;f] eGbf sd d"No kg{] ;Dkltx?nfO{ vl/b ePs} jif{df vr{ n]Vg] ul/Psf]

5 . t/ Psd'i7 ?kdf vl/b ul/Psf k|ltPsfO{ ?= !),)))÷– eGbf sdsf Ps jif{eGbf al9 cjlw l6sfp

x'g] k|s[ltsf ;DklQnfO{ k|of]u cjlwsf] cfwf/df k'FhLs[t ul/Psf] 5 . t/ cfos/ k|of]hgsf] lglDt ?= @,)))

eGbf al9 nfut ePsf] ;DklQnfO{ k"FhLut ul/Psf] 5 / x|f;s§L bfaL cfos/ P]g @)%* adf]lhd ul/Psf] 5 .

-v_ vl/b ul/Psf gof“ l:y/ ;DklQsf] x|f;s§L ;f] ;DklQ ;~rfngdf cfPsf] kl5Nnf] dlxgfaf6 u0fgf ul/Psf] 5 .

-u_ k§fdf lnO{Psf] ;DklQsf] :t/f]GgtLdf ul/Psf] vr{x¿ k§f ;DkQLsf] ?kdf k"“hLs/0f ul/Psf] 5 tyf o:tf] d"NonfO{ b; aif{ cjlwe/ cyjf k§f cjlw dWo] h'g sd x'G5 ;f]lx cjlwe/ kl/zf]wg ul/Psf] 5 .

-3_ cb[Zo ;DklQ Computer Software sf] d"NonfO{ h8fgsf] ;dodf k"FhLs/0f ul/Psf] 5 tyf o:tf] nfutnfO{ kfFr aif{ cjlwe/

kl/zf]wg ul/Psf] 5 .

-ª_ gv'n]sf zfvfx?sf] vr{nfO{ Advance for New Branch cGtu{t b]vfOg'sf] ;fy} zfvf rfngdf cfP kZrft\

vr{ k"“hLs[t ug]{ gLlt lnOPsf] 5 .

!@= ljb]zL d'b|f sf/f]af/ s= ljlQo ljj/0fx? g]kfnL ?k}ofF df k|:t't ul/Psf] 5 . ljb]zL d'b|fdf /x]sf] ;DklQ tyf bfloTjnfO{ jf;nftsf]

ldltdf ljBdfg ljlgdo vl/bb/n] g]kfnL ?k}ofFdf ?kfGt/0f ul/Psf] 5 .

v= ljb]zL d'b|fsf] vl/b b/ / ljqmL b/sf] leGgtfaf6 k|fKt cfo b}lgs ?kdf gfkmf gf]S;fg lx;fa cGtu{t …;6xL

sf/f]af/ gfkmf gf]S;fg vftfÚ df n]vfÍg ug]{ ul/Psf] 5 .

u= ljb]zL d'b|fsf] b/df kl/jt{gaf6 x'g uPsf] cfo JoonfO{ b}lgs ?kdf n]vfÍg u/L … k'gd{"NofÍg gfkmf gf]S;fg

lx;fjÚ df n]vfÍg ug]{ ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg g+= $ cg';f/, To;/L k|fKt ePsf] v'b cfosf]

@% k|ltztn] /sd æ;6xL 36a9 sf]ifÆ df gfkmf gf]S;fg afF8kmfF8 lx;fa dfkm{t /sdfGt/ ul/Psf] 5 .

!#= gub tyf gub ;/x gub tyf gub ;/xdf gub df}Hbft, g]kfn /fi6« a+}sdf /x]sf] df}Hbft / b]z aflx/ tyf b]z leq /x]sf] a}+s df}Hbft

/sdnfO{ hgfpF5 .

!$= cfos/ -s_ rfn' jif{sf] cfos/ bfloTjM cfos/sf] Joj:yf cfos/ P]g, @)%* adf]lhd ul/Psf] 5 . rfn' s/ bfloTj -;DklQ_ eGgfn] rfn' jif{sf]

cfDbfgLaf6 cfGt/Ls /fh:j ljefunfO{ ltg'kg]{ -ljefuaf6 c;'n ug'{kg{]_ /sdnfO{ hgfpF5 . s/ lgwf{/0fsf]

nflu jf;nft ldltdf k|rlnt s/sf] b/ -s/sf] sfg'g_ lnO{Psf] 5 . cf=/f=sf= n] cfos/ lgwf{/0f u/]sf] avt

jf:tljs s/ bfloTj km/s kg{ uPdf ;f]lx jif{df ;dfof]hg ul/g] 5 .

-v_ :yug s/ g]kfn n]vfdfg !@ cfos/ cg';f/ ;DklQ tyf bfloTjsf] s/ cfwf/ / ljQLo ljj/0fdf n]vf+sg ePsf] /sdaLr

>[hgf ePsf] c:yfoL km/s /sddf eljiodf ;[hgf x'g] s/ bfloTj÷;DklQsf] /sdnfO{ :yug s/df n]vf+sg


ul/Psf] 5 . :yug s/ u0fgf ubf{ ;DalGwt :yug s/ ;DklQ tyf bfloTj km5\of}{6 ubf{sf] avt nfu" x'g]

s/sf] b/ k|of]u ul/ n]vf+sg ul/Psf] 5 . :yug s/ bfloTj tyf ;DklQ Net off u/L b]vfO{Psf] 5 . :yug

s/ ;DaGwL pk/f]St n]vf+sg lqmofsnfksf sf/0f ;DklQ ;[hgf ePdf ;f] /sd gfkmf gf]S;fg af8kmFf8

lx;fjdf vr{ n]vL :yug s/ hu]8f sf]if v8f ug{'sf ;fy} ;f] sf]ifsf] /sd :yug s/ afx]s cGo k|of]hgsf

nflu k|of]u gug]{ lglt /x]sf] 5 . o; cf=j= l:y/ ;DklQ, cb[Zo ;DklQ / pkfbfg tyf ljbf jfkt e'QmfgL

Joj:yfsf] s/ cfwf/ / ljQLo ljj/0fdf n]vf+sg ePsf] /sdsf] sf/0fn] :yug s/ bfloTj plN6Psf] 5 .

!%= e}kl/ cfpg] bfloTj s= g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd ;Dk'0f{ k|lttkq, a}+s hdfgt, l:jsf/ ul/Psf bfloTjx¿ / km/jf8{

PS;r]Gh sG6«ofS6 bfloTjx?nfO{ k'0f{ /sddf g]=/f=a}+= sf] lgb{]zg adf]lhd o; ljQLo ljj/0fsf] cg';'lr $=!&

df b]vfOPsf] 5 .

v= pNn]lvt afx]s yfxf ePsf] ;a} ;f/e"t bfloTjx?sf] lgldQ cfjZos Joj:yf ul/Psf] 5 tyf eljiodf

lglZrt ?kdf bfloTj olsg x'g g;s]sf] t/ ;f/e"t bfloTjx?nfO{ ;Defljt bfloTj cGtu{t n]vfÍg ug]{

gLlt lnOPsf] 5 .

!^= sd{rf/L ;'ljwf a}+ssf] sd{rf/L lgodsf] clwgdf /xL sd{rf/Lx¿nfO{ k|bfg ul/Psf 3/ shf{ tyf ;jf/L ;fwg shf{nfO{ cg';'lr

$=!^ sf] æcGo ;DklQÆ zLif{s cGtu{t b]vfO{Psf] 5 . o:tf shf{x?sf] Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/df

n]vf+sg ul/Psf] 5 .

!&= sd{rf/L ;~ro sf]if a}+ssf] lgj[TtL ;'ljwfsf] nfuL ;+rosf]ifsf] Joj:yf u/]sf] 5 . sd{rf/Lx?nfO{ k|bfg ul/g] ;~rosf]ifdf a}+ssf]

of]ubfgnfO{ ;f]lx cjlwdf vr{ n]lvPsf] 5 . ;~rosf]ifdf hDdf x'g] /sd -sd{rf/L tyf a}+s b'j}sf] of]ubfg_ nfO{

a}+s Joj:yfkg eGbf cnUu} :jLs[t cjsfz sf]ifdf hDdf ul/Psf] 5 .

!*= u}x| a}ls· ;DklQ u}x| a}+lsË ;DklQsf] n]vfÍg tyf k|:t'lt g]kfn /fi6« a}+ssf] lgb{]zg cg'?k ul/g]5 . o; cf=j=df a}+sn] s'g} klg

u}x| a}+lsË ;DklQ ;sf/]sf] 5}g . u}x| a}+lsË ;DklQsf] lx;fj u/L cg';'lr $=!% df b]vfO{Psf] 5 .

!(= d;nGb df}Hbft vl/b ul/Psf d;nGb df}HbftnfO{ pkof]u ul/Psf] ;dodf vr{ hgfOPsf] 5 . aif{sf] cGTodf s'g} df}Hbft /x]df

pQm vr{nfO{ æcGo ;DklQÆ df hgfOPsf] 5 . df}Hbftsf] u0fgf ahf/ d'No cyjf nfut d"No dWo] h'g sd x'G5

;f]xL cg';f/ ul/Psf] 5 .

@)= pkbfg tyf ljbf jfktsf] Joj:yf o; cf=j= b]lv a}+sn] pkbfg tyf ljbf jfkt e'QmfgLnfO{ k|f]befjL cfwf/df n]vf+sg ug{] lglt lnO{Psf] 5, h'g ut

cf=j= ;Dd gub e'QmfgLsf] cfwf/df ug{] ul/Psf] lyof] . n]vf+sgsf] of] cfwf/ g]kfn n]vfdfg cg'?k 5 . pkbfg

tyf ljbf jfkt e'QmfgL bfloTj cGtu{t ;+lrt pkbfg bfloTj / ;+lrt ljbf jfkt e'QmfgL bfloTj o; a+}ssf]

sd{rf/L ljlgodfjnL cg'?k lx;fj u/L cg';'lr $=& df b]vfO{Psf] 5 . g]kfn n]vfdfg @ cg';f/ n]vf lgltdf

kl/jt{gnfO{ e'tnIfL k|efj lbO{ c;/ k/]sf] k|To]s O{lSjl6sf] lzif{ssf] z'?sf] df}Hbftdf ldnfg ul/Psf] 5 .

@!= sd{rf/L af]g; Joj:yf sd{rf/L jf]g;sf] Joj:yf jf]g; P]g, @)#) cg';f/ gfkmf–gf]S;fg lx;fjsf] ;Dk"0f{ sf/f]jf/ kl5sf] -s/ cl3sf]_

v'b d'gfkmf -jf]g; Joj:yf ;d]t 36fO{_ sf] !)% 5'§ofO{ gfkmf–gf]S;fg lx;fjdf vr{ b]vfOPsf] 5 .

@@= ut jif{sf] /sdx? ljQLo ljj/0fdf b]vfO{Psf] ut jif{sf] /sdx? ;]~r'/L sdl;{on a}+s lnld6]8sf] dfq /x]sf] 5 . ut jif{sf c+sx?df

k|flKt eO{ cfPsf ;+:yfx?sf] c+sx? ;dfj]z gul/Psf] sf/0f o; jif{ / ut jif{sf c+sx? t'ngf of]Uo 5}g .



cg';"rL ##

n]vf ;DaGwL l6Kk0fLx?!= z]o/ k"“hLsf] ljj/0f M s= o; a}+ssf] Ps dfq k|sf/sf] z]o/ k"FhL /x]sf] 5 / Tof] ;fwf/0f z]o/ k"FhL xf] . a}+ssf] k"FhL o; k|sf/ /x]sf]

5 M

j|m=d= z]o/ k"“hL cfiff9 d;fGt;Dd -/sd ?=_ ljQLo ljj/0fsf] ldtL ;Dd -/sd ?=_

!= clws[t k"FhL 8,000,000,000 8,000,000,000 @= hf/L k"FhL 7,350,094,973 7,866,489,222 #= r'Qmf k"FhL 5,774,183,815* 8,063,434,930**

* k|:tfljt af]gz z]o/ /sd ?= #!#,%%$,#@& ;d]t h'g ljQLo ljj/0fsf] cg';'rL $=! Dff b]vfOPsf] 5 .

** k|:tfljt af]gz z]o/ /sd ?= #!#,%%$,#@& , ?= %(,*#!,%^% / ?= !),%*&,@)) h'g s|dzM ;]~r'/L sdl;{on a}+s ln=, cNkfOg 8]enkd]G6 a} +s ln= / ;]tL kmfOgfG; ln= sf] ljQLo ljj/0fsf] cg';'rL $=! Dff b]vfOPsf]5 . hDdf /sd ?= #*#,(&#,)(@ nfO{ k|:tfljt af]g;sf] ?kdf ;]~r'/L sdl;{on a}+s ln=, cNkfOg 8]enkd]G6 a}+s ln= / ;]tL

kmfOgfG; ln=sf] gfkmfaf6 ljt/0f ul/g] 5 .

** cf=j= )&$÷&% df hf/L ul/Psf] xsk|b z]o/ /sd ?= !,&)@,$#*,!)) ;d]t

** cNkfOg 8]e]nkd]G6 a}+s ln= / ;]tL kmfOgfG; ln= nfO{ k|flKt ul/Psf] /sd ?= $)(,%&@,))) / ?= !)^,*@@,@%) ;d]t ;dfj]z

ul/Psf] 5 .

r'Qmf k"“hLsf] ljj/0f lgDgf adf]lhd /x]sf] 5 M

r'Qmf k"FhL -cfiff9 @)&$ d;fGtsf]_ 5,460,629,488@)&$ d+l;/ ! df k"FhLs[t ul/Psf] xsk|b z]o/ 1,702,438,100cNkfOg 8]enkd]G6 a}+s ln= sf] r'Qmf k"FhL 409,572,000;]tL kmfOgfG; ln= sf]] r'Qmf k"FhL 106,822,250k|:tfljt af]g; z]o/ cl3sf] r'Qmf k"“hL 7,679,461,8387,679,461,838;]~r'/L sdl;{on a}+s ln= sf] k|:tfljt af]g; z]o/ 313,554,327cNkfOg 8]enkd]G6 a}+s ln= sf] k|:tfljt af]g; z]o/ 59,831,565;]tL kmfOgfG; ln= sf] k|:tfljt af]g; z]o/ 10,587,200hDdf k|:tfljt af]g; z]o/ 383,973,092383,973,092k|:tfljt af]g; z]o/ kl5sf] r'Qmf k"“hL 8,063,434,9308,063,434,930

o; a}+sn] @)&$÷)@÷@* df OGgf]e]l6e 8]end]G6 a}+s / c/lgsf] 8]enkd]G6 a}+s tyf @)&$÷)#÷#! df

;u/dfyf kmfOgfG; ln= nfO{ k|fKtL u/L Plss[t sf/f]af/ ;'ef/De u/]sf] 5 . OGgf]e]l6e 8]enkd]G6 a}+s /

c/lgsf] 8]enkd]G6 a}+s ln= nfO{ k|flKt kl5 o; a+}sn] $)Ü xsk|b z]o/ hf/L u/]sf] lyof] . xsk|b z]o/

jf;nftsf] ldlt eGbf kl5 tyf ljQLo ljj/0f k|sfzg ug'{ cl3 k"FhLs[t ul/Psf] 5 .

jf;nftsf] ldlt eGbf kl5 tyf ljQLo ljj/0f k|sfzg ug'{ cl3 o; a}+sn] yk @ j6f ljQLo ;+:yf s|dzM

cNkfOg 8]e]nkd]G6 a}+s ln= / ;]tL kmfOgfG; ln= nfO{ k|flKt ul/ @)&$÷)*÷ @$ b]lv PsLs[t sf/f]jf/ z'?

ul/Psf] 5 . kfFr j6f ljQLo ;+:yf k|flKt / xsk|b z]o/ ljt/0f kZrft\sf] gk'u k"FhL o; ;]~r'/L sdl;{on

a}+s ln=, cNkfOg 8]e]nkd]G6 a}+s ln= / ;]tL kmfOgfG; ln= sf] k|:tfljt af]g; z]o/ s|dzM ?= #!#,%%$,#@&,

?= %(,*#!,%^% / ?= !),%*&,@)) af6 k'Ug]5 .

;+:yf k|flKt -PlSjlh;g_ ;DaGwdf ul/Psf] clGtd ;Demf}tf kqsf] bkmf & v cg';f/ cf=a= @)&#÷)&$ sf]

gfkmf ;+o'Qm ?kdf afF8\g] ;xdlt ePsf] / ;f] lg0f{onfO{ ljz]if ;fwf/0f ;efaf6 cg'df]bg u/fOPsf] lyof] .


@= hu]8f sf]if M Jff;nftdf b]vfO{Psf] hu]8f tyf sf]ifdf hDdf ?= %@!,@(),@^!÷– /x]sf] / ;f]sf] ljj/0f o; k|sf/ /x]sf] 5 M

;fwf/0f hu]8f sf]if – g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ /x]sf]

;l~rt d'gfkmf

:yug s/ hu]8f – g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ /x]sf]

;6xL 36a9 sf]if – g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ /x]sf]

nufgL ;dfof]hg sf]if – h'g g]kfn /fi6« a}+ssf] lgb]{zg g+= $ cg';f/ o; cf=j= df laj|mLsf] nflu pknAw

nufgLsf] @% gfkmf gf]S;fg lx;fa dfkm{t\ /sdfGt/ u/LPsf] 5 .

;fdflhs pQ/bfloTj sf]if / sd{rf/L tflnd sf]if – g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ /x]sf]

#= C0fkq tyf j08 M Rffn' cf=j= sf] cGTo;Dddf a}+sn] s'g} klg k|sf/sf] C0fkq tyf j08 hf/L u/]sf] 5}g .

$= ltg{ af“sL ;fk6L M cf=j= sf] cGTo ;Dddf a}+sn] ltg{ afFsL ;fk6Lsf] ?kdf g]kfn /fi6« a}+saf6 k|fKt k'g/shf{ /sd ?= !@,*%&,!))

/x]sf] 5 .

%= lgIf]k bfloTjdf ePsf] kl/jt{g M lgIf]k bfloTjdf hDdf ?= 42,593,653,750/- /x]sf] 5 h; dWo] :jb]zL d'b|fdf ?= 42,432,894,731/- / ljb]zL

d'b|fdf ?= 160,759,019/- /x]sf] 5 . lgIf]k bfloTjdf ePsf] kl/jt{g o; k|sf/ /x]sf] 5 .

-/sd ?=_

ljj/0f o; jif{ ut jif{ leGgtf k|ltzt

dfu]sf] avt ltg'{ kg]{ lx;fa 8,730,242,014 6,055,384,123 2,674,857,891 44.17rNtL lx;fa 1,625,911,896 1,392,916,891 232,995,005 16.73d'2tL lx;fa 21,077,880,479 13,179,175,146 7,898,705,333 59.93dflh{g vftf 202,020,179 164,574,572 37,445,607 22.75jrt vftf 10,957,599,182 8,175,795,819 2,781,803,363 34.02hDdf 42,593,653,75042,593,653,750 28,967,846,55128,967,846,551 13,625,807,19913,625,807,199 47.0447.04

* ut jif{sf] c+sx?df k|flKt ePsf tLg ;+:yfx?sf] c+sx? ;dfj]z ePsf] 5}g h'g lgDg adf]lhd /x]sf] 5 M

ljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf hDdf

dfu]sf] avt ltg'{ kg]{ lx;fa 218,755,509 256,232,817 535,700,198 1,010,688,524rNtL lx;fa 118,999,887 62,546,626 181,546,513d'2tL lx;fa 552,133,121 516,469,805 1,160,491,601 2,229,094,527dflh{g vftf jrt vftf 1,122,965,896 1,576,580,560 1,405,991,394 4,105,537,850hDdf 2,012,854,4132,012,854,413 2,411,829,8482,411,829,848 3,102,183,1933,102,183,193 7,526,867,4547,526,867,454


^= k"“hLs[t ul/Psf, k§fdf lnO{Psf ejgdf ul/Psf lgdf{0f vr{x?sf] ljj/0f M o; cf=j= df a}+sn] k§fdf lnPsf] ;DklQdf ul/Psf] k"FhLut vr{ tyf kl/zf]wg lgDg cg';f/ /x]sf] 5 .

ljj/0f o; jif{ ut jif{* leGgtf

k§f ;DklQ 174,423,250 142,410,582 ? 32,012,668 k"FhLs/0f u/LPsf ]

k§f ;DklQdf kl/zf]wg 77,243,970 60,569,038 ? 16,674,932 kl/zf]wg u/LPsf ]v'b k§f ;DklQ 97,179,28097,179,280 81,841,54481,841,544 15,337,73615,337,736

* ut jif{sf]] c+sx?df k|flKt ePsf tLg ;+:yfx?sf] c+sx? ;dfj]z ePsf] 5}g h'g lgDg adf]lhd /x]sf] 5 M

ljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf hDdf

v'b k§f ;DklQ 7,010,309 5,422,298 9,576,052 22,008,659

&= o; a}+ssf] ;DklQ / bfloTj;Fu ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ s'g} Ps JolQm kmd{, sDkgL jf ;+ul7t ;+:yf tyf s'g} Ps If]qdf tf]lsPsf] ;LdfeGbf a9L clws]lGb|t ePsf] laj/0f ..

a}+ssf] s'n shf{ tyf k|fylds k"FhLsf] k|ltztsf] cfwf/df If]qut cg';f/sf] shf{ tyf ;fk6sf] ljj/0f o; cg';f/

/x]sf] 5 .

/sd ?= bz nfvdf

pBf]u÷If]qx?

shf{ tyf ;fk6

/sd k||fylds k"“hLsf] k|ltztshf{ tyf ;fk6sf]

k|ltzt

s[lif tyf ag ;DaGwL 1,479.72 32.09% 3.75%

Dff5fkfng ;DaGwL 18.88 0.41% 0.05%vfB pTkfbg 595.67 12.92% 1.51%s[lif, ag tyf k]okbfy{ pTkfbg ;DaGwL 1,994.19 43.25% 5.05%u}/vfB j:t' pTkfbg ;DaGwL 5,608.65 121.64% 14.20%lgdf{0f 4,083.72 88.57% 10.34%ljB't, Uof; tyf kfgL 1,098.98 23.84% 2.78%wft'sf pTkfbgx?, d]l;g/L tyf On]S6«f]lgs 405.99 8.81% 1.03%oftfoft pks/0f, ;~rf/ / ;fj{hlgs ;]jf;'ljwf 451.61 9.79% 1.14%yf]s tyf v'b|f ljqm]tf 7,500.31 162.67% 18.98%ljQ, jLdf tyf 3/hUuf sf/f]jf/ 4,953.23 107.43% 12.54%xf]6n jf /]:6'/]G6 1,586.14 34.40% 4.01%cGo ;]jfx? 1,512.76 32.81% 3.83%pkef]Uo shf{ 4,232.70 91.80% 10.71%cGo 3,985.25 86.43% 10.09%hDdf 39,507.7839,507.78 856.86%856.86% 100.00%100.00%

*= k|:tfljt nfef+z÷af]gz z]o/ M jf;nftsf] ldlt eGbf kl5 tyf ljQLo ljj/0f k|sfzg ug'{ cl3 o; a}+sn] yk @ j6f ljQLo ;+:yf j|mdzM cNkfOg

8]e]nkd]G6 a}+s ln= / ;]tL kmfOgfG; ln= nfO{ k|flKt ul/ @)&$÷)*÷@$ b]lv PsLs[t sf/f]jf/ z'? u/]sf] 5 .

oL ;+:yfx?;Fu ePsf] clGtd ;Demf}tfsf] a'Fbf & v adf]lhd tyf ljz]if ;fwf/0f ;efsf] ljz]if k|:tfjn] kfl/t u/]

adf]lhd oL ;+:yfx?sf] ;fwf/0f;ef tyf nfef+z ljt/0f ;]~r'/L sdl;{on a}+saf6 g} x'g]5 .


;]~r'/L sdl;{on a}+s ln= sf] ;+rfns ;ldltn] afF8\g ldNg] gfkmf tyf cGo hu]8f sf]ifx?af6 gub nfef+z ?=

#*#,(&#,)(@ / af]g; z]o/ ?= #!#,%%$,#@& ljt/0f ug{] k|:tfj u/]sf] 5 . To;} ul/ cNkfOg 8]enkd]G6 a}+s

ln= sf] ;+rfns ;ldltn] af]g; z]o/ ?= %(,*#!,%^% tyf ;]tL kmfOgfG; ln= sf] ;+rfns ;ldltn] af]g; z]o/

?= !),%*&,@)) ljt/0f ug{] k|:tfj u/]sf] 5 .

o;/L] ;]~r'/L sdl;{on a}+s ln=, cNkfOg 8]enkd]G6 a}+s ln / ;]tL kmfOgfG; ln= sf z]o/wgLx?nfO{ Psd'i7

ljt/0f ul/g] gub nfef+z tyf af]g; z]o/sf] ljj/0f lgDg adf]lhd k|:t't ul/Psf] 5 M

ljj/0f ;]~r'/L cNkfOg ;]tL hDdf

ljQLo ljj/0f k|sfzg ug'{ -cl3sf] r'Qmf k"FhL_ 7,679,461,838;+lrt gfkmf 486,590,815 49,553,161 10,587,200 546,731,176 k"FhLut hu]8f sf]if 131,819,877 131,819,877 z]o/ lk|ldod 96,119,199 10,278,404 106,397,603 ljt/0f of]Uo gfkmf tyf hu]8f 714,529,891 59,831,565 10,587,200 784,948,656 k|:tfljt gub nfef+z 383,973,092 383,973,092 k|:tfljt af]g; z]o/ 313,554,327 59,831,565 10,587,200 383,973,092 hDdf gub nfef+z tyfaf]g; z]o/

697,527,419 697,527,419 59,831,565 59,831,565 10,587,200 10,587,200 767,946,184 767,946,184

(= cfos/ bfloTj M cfos/ bfloTj, cfos/ P]g, @)%* / To; cGtu{tsf lgodfjnL cg';f/ u0fgf ul/Psf] 5, / ;f]sf] k|:t'tLs/0f

g]kfn n]vfdfg !@ cg';f/ ul/Psf] 5 . ;f]xL cg';f/ o; jif{ ?= 229,006,562/- cfos/ bfloTj jfkt 5'§fOPsf]

5 . cfos/ bfloTj cfos/ n]vfkl/If0f adf]lhd kl/jt{g x'g ;Sg]5 .

o; jif{sf] s/ bfloTj jfkt ?= 229,006,562/- 5'§fOPsf] 5 . n]vfdfg– !@ cg';f/ cfos/ u0fgf ubf{ :yug

s/ cfDbfgL ?= 12,258,923/- / ut cf=j= sf] cfos/ bfolTj ?= 15,276,452/- nfO{ ldnfg u/L u0fgf ul/Psf]

5 h; cg';f/ hDdf ? 232,024,091/- cfos/ vr{ /x]sf] 5 .

!)= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd M Dffu tyf cNk ;"rgfdf k|fKt x'g] /sddf Jofh kfpg] u/L O{hfht k|fKt ;+:yfdf & lbgdf ga9\g] u/L ;fk6L lbO{Psf]

/sd /x]sf] 5 .

!!= nufgL M hDdf nuffgL ?= @,)!^,^)%,#&) df 6«]h/L lan, g]kfn ;/sf/sf] ljsf; C0fkq, g]kfn /fi6« a}+s a08, ljb]zL

a}+sdf ul/Psf] USD nuffgL, Mutual Fund df ul/Psf] nufgL, gful/s nufgL sf]ifdf lglZrt Aofh k|fKt ug{]

ul/ ul/Psf] nufgL, o'jf :j/f]huf/ sf]ifdf ul/Psf] nufgL tyf ljleGg ;+:yfx?sf] z]o/df ul/Psf] nufgL cflb

kb{5g\ .

z]o/df ul/Psf] nufgL dWo g]kfn lSnol/Ë xfp; ln=, shf{ ;"rgf s]Gb« ln= / rf}tf/L n3'ljQ ljQLo ;+:yf ln=

sf] ahf/ d'No g]kfn :6s PS:r]~hdf ;'lrs[t gePsf] sf/0f pknAw x'g ;s]g . g]kfn /fi6« a}+ssf] lgb{]lzsf

@)&# sf] a'Fbf * -#_ adf]lhd ;'lrs[t gePtfklg g]kfn lSnol/Ë xfp; ln= / shf{ ;"rgf s]Gb« ln= sf] gf]S;fgL

Joj:yf sfod ug'{ gkg{] Joj:yf /x]sf] 5 . rf}tf/L n3'ljQ ljQLo ;+:yf ln= df ul/Psf] nufgL ?= ^,))),)))÷–

dWo ?= %,))),)))÷– sf] nufgL ldlt ! jif{ ggf3]sf]n] nufgL ;dfof]hg sf]if v8f ul/Psf] 5}g . g]kfn /fi6«

a}+ssf] lgb{]lzsf $ adf]lhd nfut d'No eGbf ahf/ d"No sd ePsf ljleGg ;+:yfx?df ul/Psf] z]o/ nufgLdf ?=

!(,@*(,!@( gf]S;fgL Joj:yf sfod ul/Psf] 5 .


!@= shf{ tyf ;fk6df ePsf] kl/jt{g sf] jlu{s/0f M s_ o; cf=j= df shf{ tyf ;fk6 tyf ;f]sf] juL{s/0fdf ePsf] kl/jt{gsf] ljj/0f o; cg';f/ /x]sf] 5 .

ljj/0f o; jif{ ut jif{* kl/jt{g /sd k|ltztc;n shf{ 38,625,786,039 24,664,803,845 13,960,982,194 56.60%

k'g/;+/rgf÷k'g/tf{lnsLs/0f shf{

;'Id lgu/fgL 421,944,406 364,253,557 57,690,849 15.84%

sd;n shf{ 193,091,627 2,110,827 190,980,800 9047.68%

z+sf:kb shf{ 160,877,811 160,877,811

v/fa shf{ 106,083,780 52,932,000 53,151,780 100.42%

hDdf 39,507,783,66339,507,783,663 25,084,100,22925,084,100,229 14,423,683,43414,423,683,434 57.50%57.50%


ljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf hDdfc;n shf{ 1,713,388,449 1,952,494,341 2,507,080,210 6,172,963,000

k'g/;+/rgf÷k'g/tf{lnsLs/0f shf{ 3,436,934 3,436,934

;'Id lgu/fgL 34,445,229 28,635,179 18,687,764 81,768,172

sd;n shf{ 1,925,304 225,000 2,241,949 4,392,253

z+sf:kb shf{ 5,290,401 353,840 965,298 6,609,539

v/fa shf{ 10,070,120 305,000 68,733,914 79,109,034

hDdf 1,765,119,5031,765,119,503 1,985,450,2931,985,450,293 2,597,709,1362,597,709,136 6,348,278,9326,348,278,932

@)&$ cfiff9 d;fGtdf v'b shf{, ;fk6L tyf ljN; vl/b lgDgfg';f/ /x]sf] 5 M

ljj/0f /sd ?=s"n shf{, ;fk6L tyf ljN; v/Lb 39,507,783,663Go'gM shf{ gf]S;fgL Joj:yf 636,683,976v"b shf{ ;fk6L tyf ljN; v/Lb 38,871,099,68738,871,099,687

v_ ckn]vg ul/Psf] v/fa shf{ tyf Jofhsf] ljj/0f M o; cf=j= sf s'g}klg v/fj shf{sf] ;fFjf / Jofh ckn]vg ul/Psf] 5}g .

!#= shf{ gf]S;fgL Joj:yf tyf Jofh d'NtjLdf ePsf] kl/jt{g M s= shf{ gf]S;fgL Joj:yf shf{ gf]S;fgL Joj:yf g]=/f=a+}= sf] lgb{]zg adf]lhd u/LPsf] 5 h'g o;k|sf/ /x]sf] 5 .

ljj/0f o; jif{ ut jif{*kl/jt{g

/sd ?=k|ltzt

c;n 387,725,443 246,648,039 141,077,404 57.20%;'Id lgu/fgL 21,313,325 14,570,142 6,743,183 100.00%sd;n 48,322,522 527,707 47,794,815 9057.07%z+sf:kb 80,438,906 80,438,906 v/fa 98,883,780 52,932,000 45,951,780 86.81%cltl/Qm shf{ gf]S;fgL Joj:yf 1,469,947 (1,469,947) 100.00%hDdf 636,683,976 636,683,976 316,147,835 316,147,835 320,536,141 320,536,141 101.39%101.39%



ljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf hDdfc;n shf{ 17,133,884 19,524,943 25,070,802 61,729,629;'Id lgu/fgL 504,692 504,692sd;n 1,377,809 1,145,407 747,511 3,270,727z+sf:kb 781,326 156,250 560,487 1,498,063v/fa 2,645,200 176,920 482,649 3,304,769cltl/St shf{ gf]S;fgL Joj:yf 10,070,120 305,000 68,733,914 79,109,034hDdf 32,008,34032,008,340 21,813,21221,813,212 95,595,36395,595,363 149,416,915149,416,915

Ps hgf u|fxsn] lnPsf] shf{ /sd ?= 7,200,000 h;df !))% shf{ gf]S;fgL ul/Psf]df ;f] /sd cfiff9

d;fGt kl5 c;'n ul/Psf]n] g]kfn n]vfdfg !) cg';f/ ;f] shf{df ul/Psf] shf{ gf]S;fgL Joj:yfnfO{ ldnfg

ul/Psf] 5 .

v= Aofh d'NtjL /sdsf] ljj/0f gub k|fKtL gePsf] Jofh cfDbfgL nfO{ Jofh d'NtaL vftfdf g]=/f=a+}= sf] lgb]{zg adf]lhd ;fl/Psf] 5 . Jofh

d'NtaL vftfdf ePsf] kl/jt{g o; k|sf/ /x]sf] 5 .

ljj/0f/sd ?=

o; jif{ ut jif{* yk÷-36_Aofh d'NtjL** 84,654,068 14,863,273 69,790,795

* ut jif{sf]] c+sx?df k|flKt ePsf tLg ;+:yfx?sf] c+sx? ;dfj]z ePsf] 5}g . tL ;+:yfx?sf] ut jif{ Aofh

d'NtaL hDdf ?= &^,**^,)&( /x]sf] 5 .

** a}+sn] g]kfn /fi6« a}+ssf] …Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfsf] ljQLo ljj/0f k|sfzg ug{ ;xdlt k|bfg

ug]{ tyf nfef+z :jLs[t ug]{ ;DaGwL sfo{ljlw – @)^(Ú v08 s sf] aF'bf # cg"?k @)&$ cfiff9 d;fGtdf

k|fKt x'g'kg]{ shf{sf] Jofhsf] xsdf @)&$ >fj0f !% ut];Dd k|fKt ePsf] /sd ;d]t @)&$ cfiff9 d;fGtdf

cfDbfgL hgfpg] gLlt lnOPsf] 5 . shf{df c;'n ug{ afFsL Aofh /sd ?= *$,^%$,)^*÷– dWo] @)&$

>fj0f !% ut];Dd k|fKt ePsf] ?= 8,135,389/- nfO{ @)&$ cfiff9 d;fGtdf cfDbfgL hgfOPsf]] 5 . shf{

tyf ;fk6Ldf cfiff9 d;fGtdf kfpg' kg]{ t/ @)&$ >fj0f !% ut];Dd gp7]sf] Jofh /sd nfO{ Aofh d'NtjL

lx;fadf /flvPsf] 5 .

!$= k"“hLs[t u/LPsf] Aofh o; cf=j= df g]kfn /fi6« a}+saf6 :jLs[t k|fKt ePg';f/ cfjlws shf{df k'FhLs[t ul/Psf] Aofh /sd ?=

64,924,888/- /x]sf] 5 .

!%= l:y/ ;DklQ l:y/ ;DklQx? P]ltxfl;s d"Nodf ;+lrt x|f;s§L 36fO{ b]vfOPsf] 5 . jf;nftsf] ldltdf l:y/ ;DklQx?sf]

P]ltxfl;s d"No ?= 628,823,527/- tyf ;+lrt x|f;s§L /sd ?= 273,271,619/- /x]sf] 5 .

!^= kfpg' kg]{ /sd / ;G8«L 8]6;{ M eljiodf kfpg' kg]{ /sd / eljiodf lbg' kg]{ /sd ?= 1,962,582,458/- nfO{ (Value dated transactions/

forward contract transactions) nfO{ Go'g u/L b]vfO{Psf] 5 / ;++:yfks z]o/wgLx? ;+u c;'n ug{ afFsL /x]sf]

/sd ?= 2,957,333/- nfO{ ;G8«L 8]A6;{df b]vfO{Psf] 5 . afFsL /sd xsk|b z]o/ hf/L ug]{ a]nfdf c;'n ul/g] 5 .

!&= ;'g sf/f]jf/sf] /sd M ;'g sf/f]jf/ ug{sf] nflu v/Lb ePsf] ;'gsf] /sd ?= 225,000,000/- nfO{ ltg'{ kg]{ /sd ;+u ldnfg u/L

b]vfO{Psf] 5 .

!*= u}x| a}+ls· ;DkQL ljj/0f M o; cf=j= ;Dd a}+ssf] u}x| a}+lsË ;DklQ ?= 5,655,862/- /x]sf]df !)) k|ltzt gf]S;fgL Joj:yf ul/Psf] 5 .


!(= efl/t Jofh b/ cGt/ / cfwf/ b/ Mljj/0f b/ k|ltzt

shf{ / nufgLdf cf};t Jofh k|ltkmn 12.06lgIf]k tyf ;fk6Ldf cf};t Jofh nfut 8.10cf}ift Jofh b/ cGt/ 3.96cfwf/ b/ -cfiff9 @)&#_ 11.17

@)= e'QmfgL cjlwsf] cfwf/df ;DklQ tyf bfloTjsf] jlu{s/0f ?= bz nfvdf

qm= ;+= ljj/0f !–() lbg (!–!*) lbg!*!–@&)

lbg

@&!–#^%

lbg

Ps jif{

eGbf dflyhDdf

;DklQ 1 gub df}Hbft 1,483.26 1,483.26

2 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 6,764.67 6,764.67

3 ljb]zL a}+sdf ul/Psf] nufgL 309.45 309.45

4 dfu]sf] avt kfpg] /sd

5 ;/sf/L ;'/If0fkq 1,125 1,125

6 g]=/f=a}+s C0fkq 177.57 177.57

7 cGt/ a}+s tyf ljQLo ;+:yf shf{ 137.74 137.74

8 shf{ ;fk6 8,516.68 5,256.56 3,166.97 3,853.80 18,713.77 39,507.78

9 kfpg' kg]{ Aofh 105.72 105.72

10 l/e;{ l/kf] 11 k|lta4tf cGtu{t cGo ;+:yfx?af6

k|fKt x'g]

12 qm=;= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL] 2,830.58 182.47 483.91 454.69 269.56 4,221.21

13 cGo 2,555.45 2,555.45

s"n ;DklQ 24,006.1324,006.13 5,439.045,439.04 3,650.883,650.88 4,308.494,308.49 18,983.3318,983.33 56,387.8656,387.86

bfloTj

14 rNtL lgIf]k 2,111.81 2,111.81 2,111.81 2,111.81 2,384.33 10,831.58

15 art lgIf]k 2,159.15 2,159.15 2,159.15 2,159.15 2,321.02 10,957.60

16 d'2tL lgIf]k 3,632.39 5,449.03 1,928.40 6,529.13 3,538.93 21,077.88

17 C0fkqx?

18 ;fk6L M

dfu÷cNk;"rgf

cGt/ a}+s÷ljQLo ;+:yf

k'gs{hf{

cGo

19 cGo bfloTj tyf Joj:yfx? M 286.78 286.78

;08«L qm]l86;{ 109.14 109.14

e'QmfgL lbg'kg]{ lan 82.12 82.12

e'QmfgL lbg'kg]{ Aofh

Joj:yfx? 17.55 17.55

cGo 77.97 77.97

20 k|lta4tf cGtu{t cGo ;+:yfx?nfO{

lbg'kg]{


21 pkef]u e}g;s]sf] :jLs[t shf{ ;'ljwfx? 3,803.39 3,803.39 7,606.78

22 k|lttkq÷hdfgt -v'b_ 2,830.58 182.47 483.91 454.69 269.56 4,221.21

23 l/kf]

24 qm=;= !! cGtu{tsf] ;'ljwfsf] e'QmfgL

25 cGo 229.74 229.74

s"n bfloTj 15,053.8415,053.84 13,705.8513,705.85 6,683.276,683.27 11,254.7811,254.78 8,513.848,513.84 55,211.5755,211.57

v"b ljQLo ;DklQ 8,952.28 (8266.81) (3,032.39) (6,946.29) 10,469.49 1,176.28

;l~rt v"b ljQLo ;DklQ 8,952.288,952.28 685.47685.47 (2,346.92)(2,346.92) (9293.21)(9293.21) 1,176.281,176.28

@!= lx;fa ldnfg ug{ af“sL vftfx?sf] ;do cjlwsf] cfwf/df ljj/0f M s= cGt/ zfvf sf/f]jf/ o; cf=j= sf] clGtddf lx;fa ldnfg ug{ afFsL s'g} cGt/zfvf sf/f]af/ g/x]sf] .

v= g]kfn /fi6« a}+s

;do cjlw n]h/ q]ml86 :6]6d]06 8]la6 n]h/ 8]la6 :6]6d]06 q]ml86

! dlxgf eGbf sd

! b]lv # dlxgf;Dd 1,419,000

# b]lv ^ dlxgf;Dd 100,000

^ b]lv !@ dlxgf;Dd 77,000

! b]lv @ jif{;Dd 282,000

@ jif{ eGbf al9 2,181,000

hDdf 4,059,0004,059,000

u= cGo ljlQo ;+:yfx?

;do cjlw n]h/ qm]l86 :6]6d]06 8]la6 n]h/ 8]la6 :6]6d]06 q]ml86! dlxgfeGbf sd

! b]lv # dlxgf;Dd 27,365,454 9,085,263# b]lv ^ dlxgf;Dd

^ b]lv !@ dlxgf;Dd 224,343! b]lv @ jif{;Dd

@ jif{ eGbf al9 150,000hDdf 27,514,45427,514,454 9,309,6069,309,606

3= ljb]zL a}+sx? Mashreq Bank Mumbai (INR)

;do cjlw n]h/ q]ml86 :6]6d]06 8]la6 n]h/ 8]la6 :6]6d]06 q]ml86! dlxgfeGbf sd

! b]lv # dlxgf;Dd 1,150# b]lv ^ dlxgf;Dd 1,725^ b]lv !@ dlxgf;Dd

! b]lv @ jif{;Dd

@ jif{ eGbf al9

hDdf 2,8752,875


Mashreq Bank London (Euro)

;do cjlw n]h/ q]ml86 :6]6d]06 8]la6 n]h/ 8]la6 :6]6d]06 q]l86! dlxgfeGbf sd

! b]lv # dlxgf;Dd 734 735 1,083# b]lv ^ dlxgf;Dd

^ b]lv !@ dlxgf;Dd

! b]lv @ jif{;Dd 15@ jif{ eGbf al9

hDdf 734734 750750 1,0831,083

Mashreq Bank NewYork (GBP)


! b]lv # dlxgf;Dd 19.26# b]lv ^ dlxgf;Dd

^ b]lv !@ dlxgf;Dd

! b]lv @ jif{;Dd

@ jif{ eGbf al9

hDdf 19.2619.26

Mashreq Bank NewYork (USD)


! b]lv # dlxgf;Dd 149.22# b]lv ^ dlxgf;Dd

^ b]lv !@ dlxgf;Dd

! b]lv @ jif{;Dd

@ jif{ eGbf al9

hDdf 149.22149.22

HDFC Bank Mumbai (INR)

;do cjlw n]h/ q]l86 :6]6d]06 8]la6 n]h/ 8]la6 :6]6d]06 q]l86

! dlxgfeGbf sd

! b]lv # dlxgf;Dd 747,236# b]lv ^ dlxgf;Dd 315,791^ b]lv !@ dlxgf;Dd 136,188! b]lv @ jif{;Dd 50,300 5,808@ jif{ eGbf al9 102,675hDdf 1,352,1901,352,190 5,8085,808


@@= a}+sn] cfkm\gf] ;DklQsf] lwtf]df s'g} klg shf{ tyf ;fk6L glnPsf] .

@#= sd{rf/L af]g; M af]g; P]g @)#), cg';f/ sd{rf/L af]g; Joj:yf ul/Psf] 5 / ;f] /sd shf{ gf]S;fgL Joj:yf kl5sf] v'b gfkmfsf]

!) k|ltzt /x]sf] 5 . cf=j= @)&#÷&$ df a}+sn] ?= 73,338,990/- sd{rf/L af]g; jfkt Joj:yf u/]sf] 5 h;df

k|flKt eO{ cfPsf ;+:yfx?sf] sd{rf/L af]g; Joj:yf ;d]t ;+nUg /x]sf] 5 .

@$= pkbfg tyf ljbf jfktsf] Joj:yf M o; cf=j= b]lv a}+sn] pkbfg tyf ljbf jfkt e'QmfgLnfO{ k|f]befjL cfwf/df n]vf+sg ug{] lglt lnO{Psf] 5, h'g ut

cf=j= ;Dd gub e'QmfgLsf] cfwf/df ug{] ul/Psf] lyof] .

o; cGtu{t hDdf /sd ?= 70,638,608/- labf afkt e'QmfgL Joj:yf ul/Psf] 5 / ;f]xL cg';f/ o; cf=j= sf]

cGTo ;Dd pkbfg jfkt lbg'kg]{ bfloTj ?= 33,966,171/- vr{ n]lv ;f]lx /sd Joj:yf ul/Psf] 5

@%= sd{rf/L cfjf; Joj:yfaf6 cfh{g ePsf] cfDbfgL M a}+sn] sd{rf/L cfjf; Joj:yfaf6 cfh{g ePsf] cfDbfgLsf] e'QmfgLnfO{ k|f]befjL cfwf/df n]vf+sg ug{] lglt lnO{Psf]

5, . o; cGtu{t hDdf /sd ?= 9,131,461/- nfO{ cg';"rL $=@! Df cGo ;~rfng cfDbfgLdf b]vfO{Psf] 5 .

@^= sd{rf/L cfjf; Joj:yf M :yfoL sd{rf/Lx?nfO{ 3/ shf{sf] Joj:yf ul/Psf] x'Fbf >d P]g @)$( cg';f/ 5'6} cfjf; sf]ifsf] Joj:yf ul/Psf]

5}g .

@&= :yug s/ M g]kfn n]vfdfg ( — cfos/ cg';f/ ;DklQ tyf bfloTjsf] s/ cfwf/ / ljQLo ljj/0fdf n]vf+sg ePsf] /sdaLr

>[hgf ePsf] c:yfoL km/s /sddf ePsf] k/Ljt{g / u0fgf lgDgfg';f/ /x]sf] 5


ljj/0f n]vf+sg cfwf/ s/ cfwf/ o; jif{sf] c:yfoL km/s

;DklQ

l:y/ ;DklQ 268,479,457 271,945,936 (3,466,479)z]o/ lgisfzg vr{ 3,896,013 3,896,013 dh{/ vr{ hDdf ;DklQ 268,479,457 268,479,457 275,841,949 275,841,949 429,534 429,534

bfloTjpkbfg Joj:yf 33,966,171 (33,966,171)labf afkt e'QmfgL Joj:yf 70,638,608 (70,638,608)hDdf bfloTj 104,604,779 104,604,779 (104,604,779) (104,604,779)

c:yfoL km/s (104,175,245) (104,175,245):yug s/ bfloTj 3,896,013 30% 1,168,804 :yug s/ ;Dklt 108,071,258) 30% (32,421,377)v'b :yug s/ bfloTj (31,252,573)Go"gM ut jif{ ;Ddsf] :yug s/ bfloTj 18,587,230 ykM k|flKt eO cfPsf ;+:yfx?sf] :yug s/

bfloTj 614,948 ykM k|flKt eO cfPsf ;+:yfx?sf] :yug s/

;dfof]hg (208,528)c:yfoL km/ssf] ;[hgf tyf l/e;{ ePsf] sf/0fn]

:yug s/ vr{÷-cfDbfgL_ (104,175,245) (104,175,245) (12,258,923) (12,258,923)

@*= k|f/lDes vr{x?sf] ckn]vgsf] ljj/0f M ;f] lzif{s cGtu{t ckn]vg ug{ afFsL s'g} vr{ g/x]sf] .

@(= ;Defljt bfloTjx? M ;Dk'0f{ ;Defljt bfloTjx? -h;sf] /sd plrt ?kdf cg'dfg ug{ ;lsG5_ sf] ljj/0f cg';'lr $=!& df b]vfOPsf]

5 / @)&$ cfiff9 d;fGt;Dd hDdf ?= 14,570,336,782/- ;Defljt bfloTjx?df /x]sf] 5 .

#)= lgs6\td /sd M ljQLo ljj/0fx? lgs6td ?k}+ofdf b]vfOPsf 5g\ .

#!= ut jif{sf] c+sx?df k|flKt eO cfPsf ;+:yfx?sf] /sd ;dfj]z ul/Psf] 5}g M

#@= c+sx? cfjZostf cg';f/ ;dfof]hg tyf k'g/jlu{s/0f ul/Psf] 5 M

##= dh{/÷k|fKtL M o; a}+sn] cf=j= @)&#÷&$ df tLg cf]6f ljQLo ;+:yfx? OGgf]e]l6e 8]enkd]G6 a}+s lnld6]8, c/lgsf] 8]enkd]G6

a}+s lnld6]8 / ;u/dfyf kmfOgfG; ln= nfO{ k|fKtL -PlSjlhzg_ u/]sf] 5 . jf;nftsf] ldlt eGbf kl5 tyf ljQLo

ljj/0f k|sfzg ug'{ cl3 o; a}+sn] @ j6f ;+:yfx? cNkfOg 8]enkd]G6 a}+s ln= / ;]tL kmfOgfG; ln= nfO{ k|flKt

ul/sf] 5 / @)&$ d+l;/ @$ ut]b]lv PsLs[t sf/f]af/ klg z'? ul/;s]sf] 5 .


jf;nft k"“hL tyf bfloTj c/lgsf] OGgf]e]l6e ;u/dfyf

!= z]o/ kF"hL 394,480,895 353,683,750 786,384,500 @= hu]8f tyf sf]ifx? 79,631,033 73,103,330 181,489,288 #= C0fkq tyf j08

$= ltg{ afFsL shf{ ;fk6 12,857,100

%= lgIf]k bfloTj 2,065,396,138 2,588,353,025 2,945,968,253 ^= e'QmfgL lbg' kg]{ ljnx? 1,301,317

&= k|:tfljt gub nfefFz

*= cfos/ bfloTj 4,029,704

(= cGo bfloTj 66,500,641 73,999,486 94,264,858 s'n k"“hL tyf bfloTj 2,610,038,4112,610,038,411 3,089,139,5913,089,139,591 4,022,265,3164,022,265,316

;DklQ c/lgsf] OGgf]e]l6e ;u/dfyf

!= gub df}Hbft 149,201,884 60,515,641 43,382,130 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 173,252,103 192,172,610 145,678,152 #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 221,980,802 5,230,386 11,105,678 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 453,229,265 566,916,383 %= nufgL 49,031,290 6,000,000 231,234,764 ^= shf{ ;fk6 tyf ljN; v/Lb 1,949,667,136 2,286,361,809 2,861,624,953 &= l:y/ ;DklQ -v"b_ 45,226,350 14,301,994 40,131,947 *= u}/ a}+lsË ;DklQ

(= cGo ;DklQ 21,678,846 71,327,884 122,191,309 s'n ;DklQ 2,610,038,4112,610,038,411 3,089,139,5913,089,139,591 4,022,265,3164,022,265,316

k|flKtsf] ldlt;Dd c/lgsf] 8]enkd]G6 a}+s lnld6]8, OGgf]e]l6e 8]enkd]G6 a}+s lnld6]8 / ;u/dfyf kmfOgfG; ln= sf]

ljQLo cj:yf lgDg adf]lhd /x]sf] 5 M


gfkmf ÷ gf]S;fg lx;fj ljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf

!= Aofh cfDbfgL 232,443,218 265,211,439 416,979,398

@= Aofh vr{ 150,960,715 133,249,425 231,933,022

v'b Jofh cfDbfgL 81,482,50381,482,503 131,962,014131,962,014 185,046,376 185,046,376

#= sldzg tyf l8:sfp06 3,297,234 3,209,497 3,985,850

$= cGo ;~rfng cfDbfgL 61,252,412 15,650,794 21,559,597

%= ;6xL 36j9 cfDbfgL

s'n ;~rfng cfDbfgL 146,032,149146,032,149 150,822,305150,822,305 210,591,823 210,591,823

^= sd{rf/L vr{ 49,870,456 21,337,190 56,006,421

&= cGo ;~rfng vr{ 36,103,620 30,838,885 41,727,564

*= ;6xL 36j9 gf]S;fg

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 60,058,07360,058,073 98,646,23098,646,230 112,857,838 112,857,838

(= ;Defljt gf]S;fgL Joj:yfx? 12,878,870 52,699,629 43,760,899

;~rfng d'gfkmf 47,179,203 45,946,602 69,096,939

!)= u}/ ;~rfng cfDbfgL ÷ vr{ 2,871,520 45,826,348

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 15,317,530

lgoldt sf/f]jf/jf6 ePsf] d'gfkmf 50,050,72350,050,723 61,264,13261,264,132 114,923,287 114,923,287

!@= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 50,050,72350,050,723 61,264,13261,264,132 114,923,287 114,923,287

!#= sd{rf/L af]g; Joj:yf 4,550,066 5,569,467 10,447,572

!$= cfos/ Joj:yf 14,587,895 16,718,494 30,386,771

o; jif{sf] s/ Joj:yf 16,174,035 17,770,594 32,394,060

ljut jif{;Ddsf] s/ Joj:yf 5,518,043

o; jif{sf] :yug s/ cfDbfgL ÷ vr{ (1,586,140) (1,052,100) (7,525,332)

v'b gfkmf ÷ gf]S;fg 30,912,76230,912,762 38,976,17138,976,171 74,088,945 74,088,945


gfkmf÷gf]S;fg af“8kmf“8 lx;faljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf

cfDbfgL

!= ut jif{;Ddsf] ;+lrt d'gfkmf 2,013,803 621,957 346,612 @= o; jif{sf] d'gfkmf 30,912,762 38,976,171 74,088,945 #= ;6xL 36a9 sf]if

$= z]o/ lk|ldod sf]if af6 ;f/LPsf] /sd

%= k"FhL hu]8f sf]if af6 ;f/LPsf] /sd

hDdf 32,926,56532,926,565 39,598,12839,598,128 74,435,55774,435,557vr{

!= ut jif{;Ddsf] ;+lrt gf]S;fg

@= o; jif{sf] gf]S;fg

#= ;fwf/0f hu]8fsf]if 6,182,552 7,795,234 14,817,789 $= e}k/L cfpg] hu]8f

%= ;+:yf ljsf; sf]if

^= nfef+z ;dLs/0f sf]if

&= sd{rf/L ;DaGwL hu]8fx?

*= k|:tfljt nfef+z

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

!)= ljz]if hu]8f sf]if

!!= ;6xL 36a9 sf]if

!@= k"FhL lkmtf{ hu]8f sf]if

!#= k"FhL ;dfof]hg sf]if

!$= :yug s/ hu]8f sf]if 1,586,140 8,140,281 !%= ;+:yfut ;fdflhs pQ/bfloTj sf]if 309,128 740,889 !^= sd{rf/L k|lzIf0f tyf bIftf clej[l4 297,490 6,614 !&= nufgL ;dfof]hg sf]if 305,425 (1,520,334)hDdf 8,680,7358,680,735 7,795,2347,795,234 22,185,23922,185,239!^= ;l~rt d'gfkmf ÷ -gf]S;fg_ 24,245,830 31,802,894 52,250,319


gub k|jfx ljj/0f l;=g ljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf

-s_ sf/f]af/ ;~rfngaf6 gub k|jfx (170,883,488)(170,883,488) 37,072,29637,072,296 (429,617,371)(429,617,371)

!= gub k|flKt 296,210,480296,210,480 284,071,730284,071,730 451,923,582451,923,5821.1 Aofh cfDbfgL 231,660,835 265,211,439 421,176,1571.2 sldzg tyf l8isfpG6 cfDbfgL 3,297,234 3,209,497 3,985,850!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL -!=$ ckn]lvt shf{sf] c;'nL -!=% cGo cfDbfgL 61,252,412 15,650,794 26,761,575@= gub e'QmfgL 249,582,479249,582,479 184,114,747184,114,747 401,783,240401,783,240

2.1 Aofh vr{ 150,960,715 102,673,051 233,747,4272.2 sd{rf/L vr{ 49,870,456 26,695,488 63,432,9362.3 sfof{no ;~rfng vr{ 29,513,549 27,690,621 34,526,2622.4 cfos/ e'QmfgL 10,970,325 27,008,612 70,076,6152.5 cGo vr{ 8,267,435 46,976 -

sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 46,628,00146,628,001 99,956,98399,956,983 50,140,34250,140,342 ;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (256,022,695)(256,022,695) (241,532,874)(241,532,874) (341,152,236)(341,152,236)

1. dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ 175,595,603 -2. cGo cNksflng nufgLdf sdL÷-j[l4_ (20,271,287) (5,000,000) -3. shf{ tyf ljN; vl/bdf sdL÷-j[l4_ (227,290,243) (360,106,827) (402,707,634)4. cGo ;DklQdf sdL÷-j[l4_ (8,461,166) (52,021,649) 61,555,398

;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 38,511,20638,511,206 178,648,187178,648,187 (138,605,477)(138,605,477)1. lgIf]k bfloTjdf -sdL_÷j[l4 52,541,725 176,523,177 (156,214,940)2. ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 -3. cNksflng ;fk6Ldf -sdL_÷j[l4 12,857,100$. cGo bfloTjdf -sdL_÷j[l4 (14,030,519) 2,125,010 4,752,363

-v_ nufgL sf/f]jf/df gub k|jfx (3,118,730)(3,118,730) (1,429,776)(1,429,776) 100,621,696100,621,6961. lb3{sflng nufgLdf sdL÷-j[l4_ 78,896,7242. l:y/ ;DklQdf sdL÷-j[l4_ (6,772,633) (1,429,776) (18,344,387)3. lb3{sflng nufgLdf Aofh cfDbfgL 782,384 -4. nfef+z cfDbfgL 50,896 440,6715. cGo 2,820,624 39,628,688-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx 96,370,42396,370,423 (3,335,826)(3,335,826) 326,300,423326,300,4231. lb3{sflng C0f -a08, l8j]Gr/ cflb_ df j[l4÷-sdL_ -2. z]o/ k"FhLdf j[l4÷-sdL_ lk|ldod ;lxt 98,677,328 326,300,4233. cGo bfloTjdf j[l4÷-sdL_ nfef+z e'QmfgL (2,306,906) (3,335,826) -4. g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_ --3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ --ª_ kf6g kmfOgfG; lnld6]8 af6 lnOPsf] --ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx (77,631,796)(77,631,796) 32,306,69432,306,694 (2,695,252)(2,695,252)-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 622,066,586622,066,586 225,611,943225,611,943 769,777,595769,777,595-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 544,434,790544,434,790 257,918,637257,918,637 767,082,343767,082,343


OlSj6Lsf] ljj/0fljj/0f c/lgsf] OGgf]e]l6e ;u/dfyf

z]o/ k"FhL 394,480,895 353,683,750 786,384,500;+lrt gfkmf÷ gf]S;fg 24,245,830 31,802,894 52,250,319;fwf/0f hu]8f sf]if 45,981,794 38,793,600 96,734,951k"FhLut hu]8f sf]if z]o/ lk|ldod 5,858,294 30,861,523;6xL 36a9 sf]if 15,612 :yug s/ 2,294,662 1,506,836 nufgL ;dfof]hg sf]if 628,223 1,000,000 894,993;+:yfut ;fdflhs pQ/bfloTj sf]if 309,128 740,889sd{rf/L tflnd sf]if 297,490 6,613cGo sf]ifx? hDdf 474,111,927474,111,927 426,787,080426,787,080 967,873,788967,873,788

#$= ;DalGwt kIf sf/f]af/sf] ljj/0f M pRr Joj:yfkg, ;~rfns ;ldlt tyf cGo ;DalGwt kIfx?;+usf] sf/f]af/sf] ljj/0f g]kfn n]vfdfg @$ cg'?k

lgDg cg';f/ /x]sf] 5 M

qm=;+= ;DalGwt kIf sf/f]af/ /sd ?= cGo ;'ljwfx?! pRr Joj:yfkg kfl/>lds 41,501,069 pRr Joj:yfkgnfO{

cGo ;'ljwfx?, h:t}

pkbfg, ljbf, ;~rf/,

OGwg, ;jf/L ;fwg

cfbL sd{rf/L ;]jf

ljlgodfjnL cg'?k

k|bfg ul/Psf] 5 .

s= k|d'v sfo{sf/L clws[t

v= gfoj k|d'v sfo{sf/L clws[t

u= ;xfos dxfk|Gws

3= k|d'v shf{ clws[t

@ ;~rfns ;dLlta}7s eQf 3,126,000

6]lnkmf]g÷df]afOn÷kqklqsf 548,258


CENTURY COMMERCIAL BANK LIMITEDDisclosure as per BASEL II (Capital Adequacy Framework)

(For Year ending on 31 Ashad, 2074)

1. CAPITAL STRUCTURE AND CAPITAL ADEQUACY• Tier 1 capital and a breakdown of its components:

Par culars NPR

Paid Up Capital 5,460,629,488

Proposed Bonus Share 313,554,327

Statutory General Reserves 449,156,005

Retained Earnings 17,002,472

Other Free Reserve 30,846,153

Less: Deferred Tax Assets (30,846,153)

Core Capital 6,240,342,292

• Tier 2 capital and a breakdown of its components:

Par culars NPR

General Loan Loss Provision 409,038,768

Exchange Equaliza on Reserves 11,914,124

Investment Adjustment Reserve 4,252,289

Other Reserves

Supplementary Capital 425,205,181

• Detail of Subordinated Term Debts: There is no any Subordinated Term Debts as on Ashad End, 2074. • Deduc ons from capital: Deferred Tax Reserves amoun ng Rs. 30,846,153 has been deducted from core capital. • Total qualifying capital:

Par culars NPR

Core Capital 6,240,342,292

Supplementary Capital 425,205,181

Total Qualifying Capital (Total Capital Fund) 6,665,547,473

• Capital Adequacy Ra o:

Par culars Percentage of Total RWE

Capital Adequacy Ra o – Core Capital 13.91%

Capital Adequacy Ra o – Total Capital Fund 14.85%


2. RISK EXPOSURE• Risk weighted exposures for Credit Risk, Market Risk and Opera onal Risk:

Par culars Amount in NPR

Risk weighted exposures for Credit Risk 41,319,071,000

Risk weighted exposures for Opera onal Risk 1,360,180,000

Risk weighted exposures for Market Risk 104,260,000

Total 42,783,511,000

• Risk Weighted Exposures under each of 11 categories of Credit Risk:

S.N. Claims CategoriesRisk Weighted

Amount

1 Claims on govt. and central Bank

2 Claims on other offi cial en es

3 Claims on Banks 514,197,000

4 Claims on corporate and securi es fi rm 20,031,878,000

5 Claims on regulatory retail por olio 7,011,681,000

6 Claim secured by residen al proper es 2,585,488,000

7 Claims secured by commercial real state 489,844,000

8 Past due Claims 239,906,000

9 High risk claims 4,340,550,000

10 Other Assets 1,237,709,000

11 Off Balance sheet Items 4,867,818,000

Total 41,319,071,000

• Total Risk Weighted Exposure calcula on table:

Par culars Amount in NPR

Risk weighted exposures for Credit Risk 41,319,071,000

Risk weighted exposures for Opera onal Risk 1,360,180,000

Risk weighted exposures for Market Risk 104,260,000

ALM policies & prac ces are not sa sfactory, add 1% of net interest income to RWE 8,798,000

Add RWE equivalent to reciprocal of capital charge of 4 % of gross income 464,200,000

Overall risk management policies and precedures are not sa sfactory, add 4% of RWE 1,617,744,000

Total Risk Weighted Exposure 44,874,253,000

Total Capital Fund 6,665,547,473

Total Capital to Total Risk Weighted Exposures 14.85%

• Amount of Non Performing Assets (NPAs) [both Gross and Net]: Restructure Loan/Reschedule Loan Nil Substandard Loan

* Gross 193,290,088 * Net 144,967,566 Doub ul Loan

* Gross 160,877,811 * Net 80,438,905

BadLoss Loan * Gross 95,083,780 * Net


• Non Performing Assets (NPAs) ra os Gross NPA to Gross Advances 1.15% Net NPA to Net Advances 0.58%

• Movement of Non Performing Assets

NPA Categories Previous Year This Year Increase/ (Decrease)

Sub-Standard 2,440,686 193,290,088 190,849,402

Doub ul 3,921,500 160,877,811 156,956,311

Bad 48,303,455 95,083,780 46,780,325

• Write off of Loans and Interest Suspense Nil

• Movements in Loan Loss Provisions and Interest Suspense:

Descrip on Last Year This Year Increase/ (Decrease)

Loan Loss Provision 316,147,835 636,683,976 320,536,141

Interest Suspense 14,863,273 76,518,679 61,655,406 The Gross NPA Ra o of the bank is 1.15% which was 0.22% in the corresponding period of previous year. Provision

for loan loss has been made as per the NRB Direc ves. The Loan Loss Provision to Total NPA is 140.53%. Similarly interest suspense includes interest income accrued & due but not realized in cash and interest income accrued but not due on the credit exposures.

• Details of addi onal Loan Loss Provisions: Loan loss provision on Pass as well as Classifi ed loans and advances has been made as per the NRB direc ve

2/073.

• Segrega on of Investment Por olio into held for trading, Held to maturity and available for sale Category:

Investment Por olio Net Amount (NPR)

Held For Trading

Held To Maturity 1,802,133,612

Available For Sale 214,471,758

Total 2,016,605,370

3. RISK MANAGEMENT STRATEGIES AND FUNCTION Summary of the bank’s internal approach to assess the adequacy of its capital to support current and future

ac vi es: Bank management is responsible for understanding the nature and level of risk taken by the bank and rela ng

the risk to the capital adequacy level. The Risk Management Commi ee, consis ng non-execu ve directors & departments heads, reviews the Credit Risk, analyses the trend, assesses the exposure impact on capital and provides a view to the Credit Sub-Commi ee and Board of Directors (BOD). The bank's BOD had developed the Credit Policy Guidelines, together with Risk Management Guidelines, to strengthen of Bank's exposure in credit. All Retail and Small Medium Enterprises credits are provided under the Bank's separate 'Product Paper' for each type of such credit. An independent Credit Risk Department analyse the all kind of credit proposal from the view point of risk and recommend independently to the approval authority in regard to proposed funded or non-funded credit exposure.

In respect of opera onal risk 'Standard Opera on Manual' has been implemented along with the Risk

Management Guidelines. A separate 'Opera onal Risk Department' has been established to analyse, review and control the opera onal issues and to make mely eff ec ve decisions. Besides, the core banking system has


been tested periodically against the recovery and detec on of fraud in case of casualty, and problem register is maintained to solve the lapses in the system. The bank adopted centralized opera on system all over the branches of bank. The transac on and system of Bank's branches has been reviewing from the Head Offi ce directly. Finance & Strategic Planning checks the capital charge on opera onal risk regularly.

With regard to market risk, in order to eff ec vely manage the market risk the bank has set up the two ered treasury department structure viz:

a) Treasury Front Offi ce b) Back offi ce.

Treasury front offi ce is entrusted with the func ons of market watch, research (both fundamental and technical) and analyse the market posi on of Bank. Front offi ce takes decisions as regards to investments and trading as per approved Policy/Guidelines and within the perimeters of NRB regula ons.

Treasury back offi ce is entrusted with the func on of se lement and delivery of all the deals which are executed by front offi ce dealers as per the approved policies/regula ons. The net open posi on report is also discussed at the Assets Liabili es Management Commi ee (ALCO) each week to ensure the bank's be er posi on.

Internal audit func on is being conducted by the outsourced Audit Firm. The Internal Audit Func on is directly responsible to Audit Commi ee consis ng of non-execu ve Directors. The periodic reports of Internal Audit department is discussed in the Audit Commi ee mee ng which instructs management for mely control and ac ons.

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1. lgd{n k|wfg 55,396 0.10 k|fOd sdl;{on a}+s ln= 4,692,637 52,152

2. 8f= k|km'Nn s'df/ sfkm\n] 92,323 0.17 hgtf a}+s ln= 20,500,000 60,000

3. b'uf{ af]x/f 15,973 0.03 uf]vf{ kmfOgfG; ln= 2,355,000 15,973

4. emk6 axfb'/ af]x/f 11,263 0.02 uf]vf{ kmfOgfG; ln= Guarantor of Durga Bohora

11,263

5. od axfb'/ s]=;L= 38,573 0.07 l;4fy{ a}+s ln= 15,372,000 27,221

6. gGb s'df/ >]i7 55,396 0.10 otL 8]enkd]G6 a}+s ln= 2,000,000 55,396

7. 8]u]Gb| s'df/ >]i7 207,804 0.38 o'gfO6]8 ax'p4]ZoLo ;xsf/L ln= 15,000,000 145,000

8. x]d s'df/L rf}w/L 71,020 0.13 b]jM ljsf; a}+s ln= 3,000,000 66,250

9. ;+uLtf l;jfsf]6L 36,930 0.07 d~h' >L kmfOgfG; ln= 2,200,000 26,500

10. w'|j /Tg dfgGw/ 30,696 0.06 l;4fy{ 8]enkd]G6 a}+s ln= 1,100,000 22,026

11. ;'/]Gb| s'df/ a]l/jfn 82,611 0.15 k|fOd sdl;{on a}+s ln= 3,500,000 72,101

12. k|df]b >]i7 30,467 0.06 ;f+lu|nf 8]enkd]G6 a}+s ln= 247,000 1,431

13. uf]ljGb k|;fb sdf{rfo{ 142,181 0.26 nIdL a}+s ln= 2,960,000 59,256

14. /ZdL >]i7 4,725 0.01 gful/s ax'p4]ZoLo ;xsf/L ln= 500,000 5,000

15. x/L s[i0f bxfn 2,835 0.01 >L ;]jf art tyf C0f ;xsf/L ln= 200,000 3,000

16. /fd afa' k|;fb k6]n 2,835 0.01 Hof]lt ax'p4]ZoLo ;xsf/L ln= 300,000 3,000

17. v]t/fh l;6f}nf 4,725 0.01 gd:sf/ ax'p4]ZoLo ;xsf/L ln= 400,000 5,000

18. lvn k|;fb l3ld/] 3,780 0.01 >L cfb{z Pstf art tyf C0f ;xsf/L

;+:yf ln=

300,000 4,000

19. lgnd k|= kf]v/]n 1,890 0.00 >L /f]on ;xsf/L ln= 50,000 2,000

20. cGt' >]i7 23,814 0.04 6fs'/f art tyf C0f ;xsf/L ln= 2,646,000 26,460

21. ld;' >]i7 1,658 0.00 eLd]Zj/ art tyf C0f ;xsf/L ln= 184,200 1,842

22. /]0f'sf >]i7 1,658 0.00 eLd]Zj/ art tyf C0f ;xsf/L ln= 184,200 1,842

23. /fd s'df/ /fO{ 72,817 0.13 9's' kLs' art tyf C0f ;xsf/L ln= 1,000,000 24,750

24. uf]s{0f /fO{ 406,910 0.75 uf]vf{ kmfOgfG; ln= 9,350,000 100,000

25. ;Gt axfb'/ /fO{ 54,692 0.10 uf]vf{ kmfOgfG; ln= 1,727,856 23,998

26. kf}?;gGb ah|frfo{ 81,664 0.15 ;f+lu|nf 8]enkd]G6 a}+s ln= 2,034,000 36,000

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Century Commercial Bank Ltd.Comparison of Unaudited and Audited Financial Statement as of F.Y 2072-73

Schedule 4.35

Rs. in '000'

S.N Par culars

"As PerUnauditedFinancial

Statement"

"As PerAuditedFinancial

Statement"

Variance"Reason For

Variance" In

Amount In %

1 Total Capital and Liabili es (1.1 to 1.7) 50,879,388 50,694,478 1.1 Paid Up Capital 5,460,629 5,774,184 313,555 5.74 Due to Proposed Bonus Share 1.2 Reserves and Surplus 1,187,777 521,290 (666,487) 56.11 Proposed Bonus Share , Cash Dividend,

Provision for Expenses & adjustment of adjus ng events a er Balance sheet date , Loan Loss Provisions adjustments, & Other adjustments

1.3 Debentures and Bond

1.4 Borrowings 12,857 12,857 1.5 Deposits (a+b) 42,593,654 42,593,654

a. Domes c Currency 42,432,895 42,432,895 b. Foreign Currency 160,759 160,759

1.6 Income Tax Liability

1.7 Other Liabili es 1,624,471 1,792,493 168,022 (10.34) Net off of Provision for Loans & advances, Non- Banking Assets, adjustment of adjus ng events a er Balance sheet date, value dated transac ons & Other adjustments

2 Total Assets (2.1 to 2.7) 50,879,388 50,694,478 2.1 Cash and Bank Balance 7,974,523 7,974,523 2.2 Money at Call and Short No ce 2.3 Investments 2,014,381 1,972,339 42,043 2.09 Net off of Provision for Investments and others2.4 Loans and Advances 39,507,784 39,507,784

a. Real Estate Loan 3,063,611 3,063,611 1 "Residen al Real Estate Loan

(Except Residen al Home Loan up to Rs. 10 million)" 884,078 884,078

2 Business Complex & Residen al Apartment Contruc on Loan 244,614 244,614 3 Income genera ng Commercial Complex Loan 124,511 124,511 4 Other Real Estate Loan (including Land Purchase & Plo ng) 1,810,407 1,810,407

b. Residen al Home Loan of Rs. 10 million or Less 3,426,839 3,426,839 c. Margin Type Loan 1,220,460 1,220,460 d. Term Loan 9,412,623 9,412,623 e. Overdra /TR/Working Capital Loan 16,381,582 16,381,582

f. Others 6,002,668 6,002,668 2.5 Fixed Assets 356,170 355,552 618 0.17 Adjustment of deprecia on 2.6 Non Banking Assets 5,656 5,656 100.00 Due to Net off of Provision made for NBA2.7 Other Assets 1,020,874 884,280 136,594 13.38 Adjustment of value dated transac on,

adjus ng events a er Balance Sheet date & Other adjustments

3 Profi t and Loss Account " As PerUnauditedFinancial

Statement "

" As PerAuditedFinancial

Statement "

In Amount In %

3.1 Interest Income 3,119,948 3,120,020 (72) Adjustment of NRB bond income3.2 Interest Expenses 1,980,281 1,980,288 (7) Adjustment of Interest expenses on FD

A. Net Interest Income (3.1 - 3.2) 1,139,667 1,139,733 (65) 0.01 3.3 Fees, Commission and Discount 61,144 61,239 (95) 0.16 Adjustment of Bancassurance income and

others3.4 Other Opera ng Income 182,259 187,283 (5,024) 2.76 Adjustment of provision for expenses and

other Income3.5 Foreign Exange Gain/Loss (Net) 104,061 104,061 0

B. Total Opera ng Income (A+3.3+3.4+3.5) 1,487,130 1,492,315 (5,185) 0.35 3.6 Staff Expenses 304,390 304,570 (180) 0.06 VRS adjustment made 3.7 Other Opera ng Expenses 321,315 323,204 (1,889) 0.59 Adjustment of provision for expenses and

othersC. Opera ng Profi t Before Provision (B-3.6-3.7) 861,426 864,541 (3,115) 0.36

3.8 Provision for Possible Losses 177,300 90,340 86,960 49.05 Adjustment of adjus ng events a er Balance sheet date and Loan Loss Provisions adjustments including merged ins tu ons

D.Opera ng Profi t (C-3.8) 684,126 774,201 (90,075) 13.17 3.9 Non Opera ng Income / Expenses (Net) 3,992 9,085 (5,093) 127.57 Adjustment of dividend income & others

3.10 Write Back of Provision For Possible Loss 39,101 23,444 15,657 40.04 Adjustment of merged ins tu ons Loan Loss Provisions and their write back

E. Profi t from Regular Ac vi es (D+3.9+3.10) 727,218 806,729 (79,511) 10.93 3.11 Extraordinary Income / Expenses (Net)

F. Profi t before Bonus and Taxes(E+3.11) 727,218 806,729 (79,511) 10.93 3.12 Provision for Staff Bonus 66,111 73,339 (7,228) 10.93 Due to above adjustments3.13 Provision for Tax 213,609 232,024 (18,415) 8.62 Due to above adjustments

G. Net Profi t/Loss (F-3.12-3.13) 447,499 501,366 (53,867) 12.04 Due to above adjustments

jflif{s k|ltj]bg @)&#÷&$ 103103

Century Commercial Bank Ltd.Unaudited Financial Results (Quarterly)

For 4th Quarter Ending on Ashad 31, 2074 (July 15, 2017) of the Financial Year 2073-74Rs. in '000'

S.N. Par culars This Quarter Ending Previous Quarter EndingCorresponding PreviousYear

Quarter Ending1. Total Capital and Liabili es (1.1 to 1.7) 50,879,388 38,903,337 33,040,152

1.1 Paid Up Capital 5,460,629 3,689,000 3,209,700 1.2 Reserve and Surplus 1,187,777 932,898 192,009 1.3 Debenture and Bond 1.4 Borrowings 12,857 1.5 Deposits (a+b) 42,593,654 33,144,068 28,967,847

a. Domes c Currency 42,432,895 32,978,673 28,813,851 b. Foreign Currency 160,759 165,395 153,995

1.6 Income Tax Liability 13,082 1.7 Other Liabili es 1,624,471 1,137,371 657,514

2. Total Assets (2.1 to 2.7) 50,879,388 38,903,337 33,040,152

2.1 Cash and Bank Balance 7,974,523 5,976,482 5,815,278

2.2 Money at Call and Short No ce

2.3 Investments 2,014,381 1,561,111 1,184,307 2.4 Loans and Advances 39,507,784 30,068,653 25,084,100

a. Real Estate Loan 3,063,611 2,617,698 1,641,174 1. Residen al Real Estate Loan (Except Personal Home Loan up to Rs. 10 Million)

884,078 894,978 716,025

2. Business Complex & Residen al Apartment Construc on Loan 244,614 166,938 96,306 3. Income Genera ng Commercial Complex Loan 124,511 19,587 20,868 4. Other Real Estate Loan (including Land Purchase & Plo ng) 1,810,407 1,536,196 807,975 b. Residen al Home Loan of Rs. 10 million or Less 3,426,839 2,651,366 2,285,156 c. Margin Type Loan 1,220,460 508,915 342,756 d. Term Loan 9,412,623 7,802,738 6,313,423 e. Overdra Loan/TR Loan/WC Loan 16,381,582 12,916,110 11,835,803 f. Other Loans 6,002,668 3,571,825 2,665,788

2.5 Fixed Assets 356,170 253,190 257,435 2.6 Non Banking Assets 5,656 38,689 2.7 Other Assets 1,020,875 1,043,900 660,343

3 Profi t and Loss AccountUp to

This QuarterUp to Previous Quarter

Up to Corresponding Previous Year Quarter

3.1 Interest Income 3,119,948 2,035,766 2,012,503 3.2 Interest Expenses 1,980,281 1,264,678 1,132,714

A. Net Interest Income (3.1 - 3.2) 1,139,667 771,088 879,789 3.3 Fees, Commission and Discount 61,144 42,565 53,587 3.4 Other Opera ng Income 182,259 131,111 133,220 3.5 Foreign Exchange Gain/Loss (Net) 104,061 72,255 88,839

B. Total Opera ng Income (A+3.3+3.4+3.5) 1,487,130 1,017,019 1,155,435 3.6 Staff Expenses 304,390 220,985 217,423 3.7 Other Opera ng Expenses 321,315 213,536 270,195

C. Opera ng Profi t Before Provision (B-3.6-3.7) 861,426 582,498 667,817 3.8 Provision for Possible Losses 177,300 111,407 82,488

D. Opera ng Profi t (C-3.8) 684,126 471,090 585,329 3.9 Non Opera ng Income / Expenses (Net) 3,992 2,435 8,427

3.10 Write Back of Provision For Possible Loss 39,101 39,101 57,279 E. Profi t from Regular Ac vi es (D+3.9+3.10) 727,218 512,626 651,035

3.11 Extraordinary Income / Expenses (Net) - F. Profi t before Bonus and Taxes (E+3.11) 727,218 512,626 651,035

3.12 Provision for Staff Bonus 66,111 46,602 59,185

3.13 Provision for Tax 213,609 155,084 178,316 G. Net Profi t/Loss (F-3.12-3.13) 447,499 310,940 413,534

4 Ra os (Calculated according to NRB Direc ves) This Quarter Ending Previous Quarter EndingCorresponding Previous Year

Quarter Ending4.1 Capital Fund to RWE 16.57% 14.49% 12.86%4.2 Non Performing Loan (NPL) To Total Loan 1.15% 0.53% 0.22%4.3 Total Loan Loss Provision to Total NPL 140.23% 243.31% 574.37%4.4 Credit to Deposit Ra o 73.63% 72.29% 77.90%4.5 Average Cost of Funds 8.10% 7.41% 4.19%4.6 Base Rate 11.17% 10.55% 7.05%4.7 Average Interest Yield 12.06% 11.95% 7.96%4.8 Average Interest Spread 3.96% 4.54% 3.77%

5 Addi onal Informa on 3.96%3.96% 4.54% 3.77%

5.1 Net Interest Spread 4.61% 4.65% 4.18%5.2 Return on Equity (annualized) 7.22% 9.62% 13.84%5.3 Return on Assets (annualized) 0.88% 1.07% 1.26%5.4 Liquidity Ra o 22.33% 21.41% 23.20%5.5 Earning Per Share (annualized) Rs. 8.2 Rs. 11.24 Rs. 14.56

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k"“hL tyf bfloTj cg';"rL o; jif{ -?=_ ut jif{ -?=_ != z]o/ kF"hL 4.1 319,906,865 178,075,300 @= hu]8f tyf sf]ifx? 4.2 45,317,589 32,384,941 #= C0fkq tyf j08 4.3 $= ltg{ afFsL shf{ ;fk6 4.4 %= lgIf]k bfloTj 4.5 1,934,532,395 1,603,297,656 ^= e'QmfgL lbg' kg]{ ljnx? 4.6 &= k|:tfljt gub nfefFz 1,733,437 *= cfos/ bfloTj (= cGo bfloTj 4.7 38,415,403 55,590,675 s'n k"“hL tyf bfloTj 2,338,172,252 2,338,172,252 1,871,082,009 1,871,082,009

;DklQ cg';"rL o; jif{ -?=_ ut jif{ -?=_ != gub df}Hbft 4.8 85,920,997 59,877,200 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.9 31,168,504 18,801,052 #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4.10 632,389,724 459,637,495 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4.11 %= nufgL 4.12 2,116,758 206,300 ^= shf{ ;fk6 tyf ljN; v/Lb 4.13 1,531,085,157 1,283,390,525 &= l:y/ ;DklQ 4.14 13,431,929 12,561,725 *= u}/ a}+lsË ;DklQ 4.15 (= cGo ;DklQ 4.16 42,059,183 36,607,712 s'n ;DklQ 2,338,172,252 2,338,172,252 1,871,082,009 1,871,082,009

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!= Aofh cfDbfgL $=!* 243,577,245 160,225,565

@= Aofh vr{ $=!( 110,209,312 69,564,951

v'b Jofh cfDbfgL 133,367,933 133,367,933 90,660,614 90,660,614

#= sldzg tyf l8:sfp06 $=@) 3,524,256 2,299,271

$= cGo ;~rfng cfDbfgL $=@! 16,777,101 20,591,418

%= ;6xL 36j9 cfDbfgL $=@@ 40,109 62,618

s'n ;~rfng cfDbfgL 153,709,399 153,709,399 113,613,921 113,613,921

^= sd{rf/L vr{ $=@# 24,017,808 19,824,415

&= cGo ;~rfng vr{ $=@$ 27,771,633 19,411,718

*= ;6xL 36j9 gf]S;fg $=@@

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 101,919,958 101,919,958 74,377,788 74,377,788

(= ;Defljt gf]S;fgL Joj:yfx? $=@% 4,332,418 6,550,921

;~rfng d'gfkmf 97,587,540 97,587,540 67,826,867 67,826,867

!)= u}/ ;~rfng cfDbfgL ÷ vr{ $=@^ 585,970 294,599

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lgoldt sf/f]jf/jf6 ePsf] d'gfkmf 98,173,510 98,173,510 68,121,466 68,121,466


;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 98,173,510 98,173,510 68,121,466 68,121,466

!#= sd{rf/L af]g; Joj:yf 8,924,865 6,192,861

!$= cfos/ Joj:yf 26,762,836 26,762,836 18,910,983 18,910,983

o; jif{sf] 27,094,480 18,610,998

ljut jif{;Ddsf]

o; jif{sf] :yug s/ -cfDbfgL_ ÷ vr{ (331,644) 299,985

v'b gfkmf ÷ gf]S;fg 62,485,809 62,485,809 43,017,622 43,017,622





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ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_ cfDbfgL != ut jif{;Ddsf] ;+lrt d'gfkmf 825,996 280,650 @= o; jif{sf] d'gfkmf 62,485,809 43,017,622 #= ;6xL 36a9 sf]if $= z]o/ lk|ldod 10,278,404 hDdf 73,590,209 73,590,209 43,298,272 43,298,272 vr{ != ut jif{;Ddsf] ;+lrt gf]S;fg @= o; jif{sf] gf]S;fg #= ;fwf/0f hu]8fsf]if 12,497,162 8,603,524 $= e}k/L cfpg] hu]8f %= ;+:yf ljsf; sf]if ^= nfef+z ;dLs/0f sf]if &= sd{rf/L ;DaGwL hu]8fx? 256,649 *= k|:tfljt nfef+z 1,733,437 (= k|:tfljt af]g; z]o/ 59,831,565 32,935,300 !)= ljz]if hu]8f sf]if !!= ;6xL 36j9 sf]if 10,027 !@= k'FhL lkmtf{ hu]8f sf]if !#= k'FhL ;dfof]hg sf]if !$= nufgL ;dfof]hg sf]if 38,304 (500,000) !%= :yug s/ hu]8f sf]if 331,644 (299,985) !^= ;+:yfut ;fdflhs pQ/bfloTj sf]if 624,858 hDdf 73,590,209 73,590,209 42,472,276 42,472,276 ;l~rt d'gfkmf ÷ -gf]S;fg_ 825,996 825,996




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;+:y

fut

;fd

flhs p

Q/

bfloTj

sf]if

sd{r

f/L

;Da

GwL

hu]8

fx?

cGo

hu]8

f ty

f

sf]if

s'n /

sd

?=

z'?

Dff}Hbft

178

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8

25,9

96

31,

154,4

58

1

2,25

6 3

92,2

31

210

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:yug s

/

;df

of]lh

t ;'?

d}Hbft

178

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,300

1

78,0

75,300

8

25,9

96

825

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3

1,15

4,4

58

31,

154,4

58

1

2,25

6 1

2,25

6 3

92,2

31

392

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210

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210

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;dfo

f]hg

o; j

if{sf] yk

82,

000,

000

62,

485,

809

38,3

04

144,5

24,1

13

;fwf/0f h

u]8f sf]if

(12,

497

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) 1

2,497

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;6x

L 36a

9 sf]if

(10,

027)

10,

027

:yug s

/ hu]8f sf]if

(331

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331

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k|:tflj

t n

fFef;

k|:tflj

t a

f]g; z

]o/

59,

831

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(5

9,831

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)

o; j

if{sf] /s

d

z]o/ lk|ldod

10,

278,4

04

10,

278,4

04

nufgL ;dfof]h

g

(38,3

04)

(38,3

04)

;+:y

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fdflh

s p

Q/b

floTj

sf]if

(624

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)

624

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sd{rf/L ;Da

GwL hu]8fx?

(256

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256,

649

clGt

d df

}Hbft

319

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3

19,9

06,8

65

43,

651,

620

43,

651,

620

22,

283

22,

283

723

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7

23,8

75

624

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6

24,8

58

256

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256

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38,3

04

38,3

04

365

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3

65,2

24,4

54

/fh]zs'df/ c

lwsf/L

n]vf ljefu

k|d'v

df]xgf nf]xgL

;+rfn

s

nfn

axfb'/

lyª

k|d'v s

fo{sf/L clws[t

;'sb]j

hf]z

L

;+rfn

s

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fb c

lwsf/L

cWo

If

lr/l~h

jL a:g

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+rfn

slg/~

hg k

/fh'nL

;+rfn

s

gj/fh /

fpt

;++rfn

s

ldlt

M @)

&$.)&.@^

:yfg

M sf7df8

f}+, g]kfn

cfh

sf] ld

ltsf] ;+nUg

k|lt

j]bg

cg';f/ .

l;P= lgn a

xfb'/

;f? d

u/, P

kml;

P

Pg=a

L=P;=Pd= P0

8 P

;f]l;

P6\;

rf6{8{ P

sfp

06]06

\;

jflif{s k|ltj]bg @)&#÷&$ 113113


gub k|jfx ljj/0f ldlt @)&# >fj0f b]lv @)&$ cfiff9 d;fGt;Dd

l;=g ljj/0f o; jif{ ?= ut jif{ ?= -s_ sf/f]af/ ;~rfngaf6 gub k|jfx 124,818,876 124,818,876 117,265,178 117,265,178 != gub k|flKt 262,906,027 262,906,027 184,051,847 184,051,847

1.1 Aofh cfDbfgL 242,525,364 160,803,941 1.2 sldzg tyf l8isfpG6 cfDbfgL 3,524,256 2,299,271 !=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 40,109 62,618 !=$ ckn]lvt shf{sf] c;'nL

!=% cGo cfDbfgL 16,816,298 20,886,017 @= gub e'QmfgL 192,007,137 192,007,137 125,597,765 125,597,765

2.1 Aofh vr{ 108,929,681 70,584,241 2.2 sd{rf/L vr{ 32,391,755 18,729,811 2.3 sfof{no ;~rfng vr{ 23,922,865 15,720,304 2.4 cfos/ e'QmfgL 26,762,836 20,563,409 2.5 cGo vr{

sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 70,898,890 70,898,890 58,454,082 58,454,082 ;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (256,575,495) (256,575,495) (397,013,627) (397,013,627)

1. dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_

2. cGo cNksflng nufgLdf sdL÷-j[l4_

3. shf{ tyf ljN; vl/bdf sdL÷-j[l4_ (252,022,318) (375,850,967)4. cGo ;DklQdf sdL÷-j[l4_ (4,553,177) (21,162,660)

;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 310,495,481 310,495,481 455,824,723 455,824,723 1. lgIf]k bfloTjdf -sdL_÷j[l4 331,234,739 431,618,053 2. ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4

3. cNksflng ;fk6Ldf -sdL_÷j[l4

$. cGo bfloTjdf -sdL_÷j[l4 (20,739,258) 24,206,670 -v_ nufgL sf/f]jf/df gub k|jfx (5,933,801) (5,933,801) (744,343) (744,343)1. lb3{sflng nufgLdf sdL÷-j[l4_ (1,915,190) 500,000 2. l:y/ ;DklQdf sdL÷-j[l4_ (4,018,611) (1,244,343)3. lb3{sflng nufgLdf Aofh cfDbfgL

4. nfef+z cfDbfgL 5. cGo M z]o/ tyf l8a]Gr/ / ;DklQ las|Laf6 gfkmf

-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx 92,278,404 92,278,404 (1,809,044) (1,809,044)1. lb3{sflng C0f -a08, l8j]Gr/ cflb_ df j[l4÷-sdL_

2. z]o/ k"FhLdf j[l4÷-sdL_ 82,000,000 3. cGo bfloTjdf j[l4÷-sdL_ 4. nfef+z e"QmfgL (1,809,044)5. g]kfn /fi6« a}Íaf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_

6. z]o/ lk|ldod 10,278,404 -3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 211,163,479 211,163,479 114,711,791 114,711,791 -r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 538,315,747 538,315,747 423,603,956 423,603,956 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 749,479,225749,479,225 538,315,747 538,315,747




;'sb]j hf]zL ;+rfns




gj/fh /fpt ;++rfns





rf6{8{ Psfp06]06\;



z]o/ k"“hL tyf :jfldTj @)&$ ;fn cfiff9 d;fGt

cg';"rL $=!


!= z]o/ k"“hL

!=! clws[t k"FhL 500,000,000 500,000,000 200,000,000 200,000,000 s_ %),)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 500,000,000 200,000,000 v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========= n]


!=@ hf/L k"FhL 440,400,000 440,400,000 100,000,000 100,000,000 s_ $$,)$,))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 440,400,000 100,000,000 v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========= n] u_ ========= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========== n]

!=# r'Qmf k"FhL 260,075,300 260,075,300 145,140,000 145,140,000 s_ @,^)),&%# ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 260,075,300 145,140,000v_ ut jif{ !$,%!,$)) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] u_ ========= k|:tfljt af]g; z]o/ k|lt z]o/ ?= ========= n] 3_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========= n] ª_ ========= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========== n]

!=$ k|:tfljt af]g; z]o/ 59,831,565 32,935,300 !=% sN; Og P8efG;

hDdf -!=#±!=$±!=%_ 319,906,865 319,906,865 178,075,300 178,075,300 \



z]o/ k"“hL k|ltzt z]o/ k"“hL k|ltzt!= :jb]zL :jfldTj 260,075,300 260,075,300 145,140,000 145,140,000

!=! g]kfn ;/sf/

!=@ æsÆ ju{sf Ohfhtkqk|fKt

;+:yfx?


!=$ ;j{;fwf/0f 127,436,897 49% 71,118,600 49%!=% cGo ;++:yfx?

!=^ cGo 132,638,403 51% 74,021,400 51%@ j}b]lzs :jfldTj

hDdf 260,075,300 260,075,300 145,140,000 145,140,000

jflif{s k|ltj]bg @)&#÷&$ 115115

qm=

;+=z]o/wgLsf] gfd

7]ufgf z]o/

;+Vof

z]o/ jfkt

hDdf

k|ltztlhNnf g=kf=÷uflj; j8f g+M 6f]n

1. gj/fh /fpt sf7df08f} dxf+sfn * dl08vf6f/ 178,339 17,833,900 6.86

2. df]xgf nf]xgL sf7df08f} sf=d=g=kf= !) jfg]Zj/ 171,424 17,142,400 6.59

3. kf/; kf}8]n sf7df08f} sf=d=g=kf= % ;fgf]uf}r/0f 140,396 14,039,600 5.40

4. ;'bz{gk|;fb clwsf/L sf7df08f} dxf+sfn & dl08vf6f/ 115,550 11,555,026 4.44

5. ls/0f s'df/ >]i7 lj/f6gu/ lj/f6gu/ pk=d=g=kf= !$ efg'6f]n 91,026 9,102,600 3.50

6. cflzif s'df/ cu|jfn dsjfgk'/ x]6f}+8f g=kf= # sflGt/fhky 49,097 4,909,700 1.89

7. ;'lbk k|;fb clwsf/L sf7df08f} dxf+sfn & dl08vf6f/ 43,725 4,372,500 1.68

8. ;'dg l;+x sf7df08f} dxf+sfn & dl08vf6f/ 39,593 3,959,300 1.52

9. cg'iff r's] lrtjg e/tk'/ g=kf= $ e/tk'/ 31,729 3,172,900 1.22

10. pdfs]z/L >]i7 sf7df08f} sf=d=g=kf= #@ 3§]s'nf 31,238 3,123,800 1.20

11. 1fgk|;fb clwsf/L jL/u~h jL/u~h pk=d=g=kf= ( /];dsf]6L 30,135 3,013,500 1.16

12. gj/fh cof{n dsjfgk'/ x]6f}+8f g=kf= & rf}38f 28,004 2,800,400 1.08

13. /fdz/0f kf7s sf7df08f} /Tggu/ g=kf= @ ltgyfgf 26,527 2,652,722 1.02

14. Zofd s'df/ cu|jfn dsjfgk'/ x]6f+}8f g=kf= $ sflGt/fhky 26,008 2,600,753 1.00

15. ;'/s[i0f j{}B sfe|] ag]kf g=kf= # ag]kf 25,487 2,548,700 0.98

16. k'ikf kf7s sf7df08f} sf=d=g=kf= #! wf]lawf/f 25,486 2,548,578 0.98

17. dgf]h k|;fb ;'j]bL sf7df08f} eb|sfnL % x]kfnL 25,300 2,530,000 0.97

18. /~h' zdf{ sf7df08f} sf=d=g=kf= ## d}ltb]jL 25,034 2,503,375 0.96

19. s'df/ sf]O/fnf ef]hk'/ ef]hk'/ $ kf]v/] 24,747 2,474,700 0.95

20. ljGb' uf]vf{nL dsjfgk'/ x]6f}+8f g=kf= @ ;+udrf]s 22,087 2,208,700 0.85

21. ;'sb]j hf]zL sfe|] gfl;sf uf= lj= ;= $ ;f+uf 20,181 2,018,062 0.78

22. lr/lGhjL a:g]t sf7df08f} sf7df08f}+ d= g= kf= ( alQ;k'tnL 19,921 1,992,100 0.77

23. lbg]z/Tg ah|frfo{ sf7df08f} sf=d=g=kf= $ u0f]zj:tL

dxf/fhu~h

19,797 1,979,700 0.76

24. kjg s'df/ cu|jfn dsjfgk'/ x]6f}+8f g=kf= !) d]g/f]8 19,797 1,979,700 0.76

25. /fd k|;fb clwsf/L sf7df08f} dxf+sfn & dl08vf6f/ 19,797 1,979,700 0.76

26. lhjgsfhL dfsh' >]i7 dsjfgk'/ x]6f}+8f g=kf= !) l6l;Pg /f]8 19,796 1,979,639 0.76

27. kjg s'df/ ;l/of sf7df08f} sf=d=g=kf= ! gS;fn 19,796 1,979,639 0.76

28. z'e/Tg zfSo nlntk'/ a'+udtL % a/]ggL 18,860 1,886,000 0.73

29. ls/0f k|;fb clwsf/L lrtjg e/tk'/ g=kf= !) e/tk'/ 15,839 1,583,900 0.61

30. eujtL lwtfn dsjfgk'/ x]6f}+8f g=kf= $ e}/j/f]8 15,605 1,560,500 0.60

31. lzj/Tg c6n ;'g;/L Og?jf g=kf= @ Og?jf 15,605 1,560,500 0.60

32. agdfnL ;'j]bL dsjfgk'/ x]6f}+8f g=kf= $ k'iknfndfu{ 14,650 1,465,000 0.56

33. b]j k|;fb >]i7 dsjfgk'/ x]6f}+8f g=kf= % sflGt/fhky 14,650 1,465,000 0.56

34. lbNnL gf/fo0f sfo:y ;}+h' dsjfgk'/ x]6f}+8f g=kf= % lkKn] 14,650 1,465,000 0.56

35. lbks k|;fb >]i7 dsjfgk'/ x]6f}+8f g=kf= % sflGt/fhky 14,650 1,465,000 0.56

36. ;'/]z s'df/ >]i7 dsjfgk'/ x]6f}+8f g=kf= # ;+udrf]s 13,857 1,385,700 0.53

37. lty{/fh ;'j]bL sf7df08f} sf=d=g=kf= !% sf7df08f} 13,531 1,353,100 0.52

38. lbk]z l/hfn dsjfgk'/ x]6f}+8f g=kf= $ d]g/f]8 13,514 1,351,354 0.52

cNkfOg 8]enkd]G6 a}+s lnld6]8sf] )=%Ü jf ;f] eGbf a9L z]o/ lng] z]o/wgLx?sf] ljj/0fcg';"rL $=! -s_




cg';"rL $=@


!= ;fwf/0f hu]8f sf]if 43,651,620 31,154,458 @ k'FhLut hu]8f sf]if #= k"FhL lkmtf{ hu]8f sf]if $= k"FhL ;dfof]hg sf]if %= cGo hu]8f tyf sf]if 1,643,686 392,231

%=! e}k/L cfpg] hu]8f %=@ ;+:yf ljsf; sf]if %=# nfef+z ;lds/0f sf]if %=$ ljz]if hu]8f sf]if % % ;DklQ k"gd'{NofÍg sf]if %=^ cGo :jtGq sf]if %=& cGo hu]8f sf]if

s= nufgL ;dfof]hg sf]if 38,304 v= :yug s/ hu]8f 723,875 392,231 u= sd{rf/L ;DaGwL hu]8fx? 256,649

3= ;+:yfut ;fdflhs pQ/bfloTj sf]if 624,858 ^= ;l~rt gfkmf÷gf]S;fg 825,996 &= ;6xL 36a9 sf]if 22,283 12,256

hDdf 45,317,589 45,317,589 32,384,941 32,384,941

jflif{s k|ltj]bg @)&#÷&$ 117117



cg';"rL $=#





@= ======== k|ltzt a08÷C0fkq k|lt a08÷C0fkq ===== ?= n]=====



#= ======== k|ltzt a08÷C0fkq ==========?= n]==========

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

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

hDdf -!±@±#_ \


cg';"rL $=$


s= :jb]zL

!= g]kfn ;/sf/

@= g]kfn /fi6« a}+s

#= l/kf] bfloTj



^= cGo

hDdf

v= ljb]zL

!= a}+sx?

@= cGo

hDdf

hDdf -s±v_




cg';"rL $=%


!= Aofh ltg'{ gkg]{ vftfx?

s rNtL lx;fa 95,736,856 95,736,856 67,507,980 67,507,980 != :jb]zL d'b|fdf 95,736,856 95,736,856 67,507,980 67,507,980

!=! g]kfn ;/sf/ !=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? !=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 917,386 8,092,300

!=$ cGo ;+ul7t ;+:yfx? 41,985,325 24,455,580 !=% JolQmut 52,834,145 34,960,100 !=^ cGo

@= ljb]zL d'b|fdf @=! g]kfn ;/sf/

@=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx?

@=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx?

@=$ cGo ;+ul7t ;+:yfx? @=% JolQmut @=^ cGo

v dflh{g 1,935,000 1,935,000 450,000 450,000 != sd{rf/L hdfgt

@= hdfgt dflh{g 1,935,000 450,000 #= k|lttkq dflh{g u cGo 26,017,234 26,017,234 != :jb]zL d'b|fdf 26,017,234 26,017,234

!=! ljQLo ;+:yfx?


!=# JolQmut 26,017,234

@= ljb]zL d'b|fdf

@=! ljQLo ;+:yfx?


@=# JolQmut

Aofh ltg'{ gkg]{ vftfx?sf] hDdf 123,689,090 123,689,090 67,957,980 67,957,980

qmdz=======

jflif{s k|ltj]bg @)&#÷&$ 119119



cg';"rL $=%

ljj/0f o; jif{ ?= ut jif{ ?= @= Aofh ltg'{ kg]{ vftfx? s art lx;fa 943,337,223 943,337,223 879,830,036 879,830,036 !=!= :jb]zL d'b|fdf 943,337,223 943,337,223 879,830,036 879,830,036

!=! ;+3 ;+:yfx? !=@ JolQmut 943,337,223 879,830,036 !=# cGo @=@= ljb]zL d'b|fdf

@=! ;+3 ;+:yfx? @=@ JolQmut @=# cGo v= d'2tL lx;fa 486,743,044 486,743,044 224,070,951 224,070,951 !=!= :jb]zL d'b|fdf 486,743,044 486,743,044 224,070,951 224,070,951

!=! ;+3 ;+:yfx? 138,502,941 73,153,110 !=@ JolQmut 348,240,103 150,917,841 !=# cGo @=@= ljb]zL d'b|fdf

@=! ;+3 ;+:yfx? @=@ JolQmut @=# cGo u= dfu]sf] avt ltg'{ kg]{ lx;fa 380,763,038 380,763,038 431,438,689 431,438,689 !=!= :jb]zL d'b|fdf 380,763,038 380,763,038 431,438,689 431,438,689

!=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? !=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx? !=# cGo ;+ul7t ;+:yfx? 340,292,941 392,793,819 !=$ JolQmut 40,470,097 38,644,870 !=% cGo @=@= ljb]zL d'b|fdf

@=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? @=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx? @=# cGo ;+ul7t ;+:yfx? @=$ JolQmut @=% cGo 3= ;l6{lkms]6 ckm l8kf]lh6 != ;+ul7t ;+:yf @= JolQmut #= cGo

Aofh ltg'{ kg]{ vftfx?sf] hDdf 1,810,843,305 1,810,843,305 1,535,339,676 1,535,339,676 -!±@_ hDdf lgIf]k 1,934,532,395 1,934,532,395 1,603,297,656 1,603,297,656






hDdf


ljj/0f o; jif{ ?= ut jif{ ?= != k]G;g÷pkbfg sf]if 1,056,703 1,002,500 @= sd{rf/L ;+ro sf]if 121,550 #= sd{rf/L af]g; Joa:yf 8,924,865 6,192,861 $= lgIf]kdf e"QmfgL lbg af+sL Aofh 4,640,401 3,360,770 %= ;fk6Ldf e"QmfgL lbg af+sL Aofh ^= kfsL g;s]sf] l8:sfp06 / sldzg &= ;08«L qm]l86;{ 14,093,274 2,390,134 *= zfvf ldnfg lx;fa 28,961,632 (= :yug s/ bfloTj

!)= e'QmfgL lbg af+sL nfef+z 3,294,402 5,652,855 !!= cGo 6,405,758 6,405,758 7,908,373 7,908,373 s= d'Nof+sgstf{sf] w/f}6L 400,000 300,000

v= n]vf k/LIf0f z"Nssf] Joj:yf 334,500 296,018 u= >f]tdf s/s6\6L 2,513,490 3,001,070 3= labf afktsf] Joj:yf 2,170,188 2,344,305 ª= ;+rf/ vr{sf] Joj:yf 14,000 r= /fli6«o sNof0f sf]if 366,190 775,580 5= cGo Joj:yf 621,390 1,177,400 hDdf 38,415,403 38,415,403 55,590,675 55,590,675


ljj/0f o; jif{ ?= ut jif{ ?= != :jb]zL d'b|f -l;Ssf ;d]t_ 85,908,597 59,782,020 @= ljb]zL d'b|f 12,400 95,180

hDdf 85,920,997 85,920,997 59,877,200 59,877,200

jflif{s k|ltj]bg @)&#÷&$ 121121




!= :jb]zL Ohfhtkq

k|fKt ;+:yfx? 632,389,724 632,389,724 632,389,724 632,389,724 459,637,495459,637,495

s= rNtL vftf 133,524,653 133,524,653 459,637,495v= cGo vftf 498,865,071 498,865,071 @= ljb]zL a}+sx? s= rNtL vftf v= cGo vftf

hDdf 632,389,724 632,389,724 632,389,724632,389,724 459,637,495459,637,495gf]6 M ;DalGwt Ohfhtkqk|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s'n df}Hbft ¿= 63,85,03,643.00

dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx? @)&$ ;fn cfiff9 d;fGt cg';"rL $=!!

ljj/0f o; jif{ ?= ut jif{ ?= != :jb]zL d'b|f @= ljb]zL d'b|f

hDdf





!= g]kfn /fi6« a}+s 31,168,504 31,168,504 31,168,504 31,168,504 18,801,052 18,801,052 s= rNtL vftf 31,168,504 31,168,504 18,801,052 v= cGo vftf



ljj/0f k/n df]n

?=

ahf/ d'No

cg';f/ ?=

Joj:yf

/sd ?=

o; jif{

?=

ut jif{

?= != z]o/ nufgL 2,121,490 2,121,490 2,116,7572,116,757 4,7324,732 2,121,490 2,121,490 206,300 206,300

!=! gljn OlSj6L km08

!!@,^$( OsfO{ afkt ?= !).– n] r'Qmf

1,126,490 1,126,490 1,126,490

!=@ g]kfn SnLol/Ë xfp; ln=

@)^# ;fwf/0f z]o/ -dWo] ==== af]g;

;d]t_ k|lt z]o/ !)) n] r'Qmf

206,300 206,300 206,300 206,300

!=# PgPdaL xfO{la|8 km08

&*,*&) OsfO{ afkt ?= !).– n] r'Qmf

788,700 783,967 4,732 788,700

@= l8j]Gr/ tyf a08 nufgL @=! ===== sDkgL -k|f=ln÷ln=_

====== k|ltzt l8a]Gr/÷a08 k|lt

l8a]Gr/÷a08===== ?= n]========

@=@ =================== @=# ==================

s'n nufgL 2,121,490 2,121,490 2,116,7572,116,757 4,7324,732 2,121,490 2,121,490 206,300 206,300 #= hf]lvd ;DaGwL Joj:yf

#=! ut jif{ ;Ddsf] Joj:yf #=@ o; jif{sf] yk÷36 4,7324,732 4,732 4,732 s'n Joj:yf 4,7324,732 4,732 4,732 v'b nufgL 2,121,490 2,121,490 2,116,7572,116,757 2,116,757 2,116,757 206,300 206,300



ljj/0f k|of]hg


!= g]kfn ;/sf/sf] 6«]h/L ljn @= g]kfn ;/sf/sf] artkq #= g]kfn ;/sf/sf] cGo C0fkq $= g]kfn /fi6« a}+s C0fkq %= ljb]zL C0fkq ^= :jb]zL Ohfhtkq k|fKt ;+:yf &= ljb]zL a}+s *= ;+ul7t ;+:yfx?sf] z]o/ 2,121,490 2,121,490 206,300 (= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf a08

!)= cGo nufgL s'n nufgL 2,121,490 2,121,490 2,121,490 2,121,490 206,300 206,300 Joj:yf 4,732 4,732 v'b nufgL 2,121,490 2,121,490 2,116,758 2,116,758 206,300 206,300

jflif{s k|ltj]bg @)&#÷&$ 123123


Jofkfl/s nufgL (Held for Trading) @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@=!

ljj/0f k/n

d'No

kl5Nnf]

ahf/

d'No -s_

xfnsf]

ahf/

d'No -v_

o; jif{

gfkmf÷

-gf]S;fg_

/sd -v–s_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot

1. g]kfn ;/sf/sf] 6«]h/L ljn 2. g]kfn ;/sf/sf] artkq 3. g]kfn ;/sf/sf] cGo C0fkq 4. g]kfn /fi6« a}+s C0fkq 5. ljb]zL C0fkq 6. :jb]zL O{hfhtkq k|fKt ;+:yfsf] z]o/

7 . :jb]zL O{hfhtkq k|fKt ;+:yfsf] l8j]Gr/ tyf a08 8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 9. ljb]zL a}+s nufgL (Placement) 10. cGt/ a}+s ;fk6L (Inter Bank Lending) 11. cGo nufgL

s'n nufgL

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@=@

ljj/0f k/n d'No

-s_

xfn;Ddsf]

Iflt /sd

-v_

o;

jif{sf]

Iflt

/sd

-u_

o; jif{

gfkmf÷

-gf]S;fg_

/sd

-s–v–u_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot

1. g]kfn ;/sf/sf] 6«]h/L ljn 2. g]kfn ;/sf/sf] artkq 3. g]kfn ;/sf/sf] cGo C0fkq 4. g]kfn /fi6« a}+s C0fkq 5. ljb]zL C0fkq 6. :jb]zL O{hfht kq k|fKt ;+:yfsf] z]o/ 7. :jb]zL O{hfht kq k|fKt ;+:yfsf] l8j]Gr/ tyf a08 8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 206,300.00 9. ljb]zL a}+s nufgL (Placement)

10. cGo nufgL s'n nufgL 206,300.00 206,300.00



laqmLsf] nflu pknAw nufgL (Available for Sale)@)&$ ;fn cfiff9 d;fGt

cg';"rL $=!@=#

ljj/0f k/n d'No

kl5Nnf]

ahf/ d'No

-s_

xfnsf]

ahf/ d'No

-v_

o; jif{{ sf]if

;dfof]hg

/sd

-v–s_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot





5. ljb]zL C0fkq

6. :jb]zL Ohfht kq k|fKt ;+:yfsf] z]o/

7. :jb]zL Ohfht kq k|fKt ;+:yfsf] l8j]Gr/ tyf a08

8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 1,915,190 1,915,190 1,910,458 (4,732.00)


10. cGo nufgL s'n nufgL 1,915,190 1,915,190 1,915,190 1,915,190 1,910,458 1,910,458 (4,732.00) (4,732.00)

gf]6M gofF nufgLsf] ;DaGwdf k/n d'No nfOg} kl5Nnf] ahf/ d'No lnPsf] 5 .

jflif{s k|ltj]bg @)&#÷&$ 125125c

NkfO

g 8

]en

kd

]G6 a

}+s ln

ld6]8

x]6f}F8

f–$, dsjfg

k'/

sh

f{, ;

fk6

ty

f lan

vl/

b j

uL{s

/0f /

;f]s

f] nflu

Jo

j:y

f

@)&$

;fn

cfiff9 d

;fGt

cg';"rL $=!#

ljj/

0f

shf{

vl/b

tyf l8

isfp

G6 u

l/Ps

f] laN;

o; j

if{ ?=

ut j

if{ ?=

:jb

]zL

ljb]z

L h

Ddf

:jb

]zL

ljb

]zL

hDd

f ljk

Gg j

u{ c

Go

ljld

t c

ljld

t

!= ;lqmo s

hf{ ;fk6

(Per

form

ing

loan

) 2

8,4

36,5

02

28,4

36,5

02

43,39

3,60

4

43,39

3,60

4

1,4

60,5

89,148

1,4

60,5

89,148

1,5

32,4

19,2

54

1,5

32,4

19,2

54

1,5

32,4

19,2

54

1,5

32,4

19,2

54

1,2

78,5

95,7

29

1,2

78,5

95,7

29

!=!

c;n

25,

122,

376

39,

905,

130

1,358

,234

,205

1

,423

,261

,711

1

,423

,261

,711

1

,185,

149,

909

!=@

;'Id

lgu/fgL

3,3

14,1

26

3,4

88,4

74

102

,354

,943

109

,157

,543

109

,157

,543

93,

445,

820

@= lgl:q

mo s

hf{ ;fk6

6,3

95,0

13

6,3

95,0

13

1,5

18,4

79

1,5

18,4

79

28,3

91,6

98

28,3

91,6

98

36,

305,

190

36,

305,

190

36,

305,

190

36,

305,

190

38,1

04,7

43

38,1

04,7

43

@=!

k'g/;

+/rgf÷

k'g/t

flnls

s/0

f

@=@

sd;n

2,2

07,9

10

502

,406

1

0,896

,839

1

3,60

7,15

5 1

3,60

7,15

5 1

3,10

1,820

@=#

z+sf:kb

7

40,

162

195

,000

8

,191

,314

9

,126

,476

9

,126

,476

1

0,99

4,3

99

@=$ v

/fa

3,4

46,

941

821

,073

9

,303

,545

13,

571,

559

13,

571,

559

14,0

08,5

24

-s_ s'n s

hf{ -! ±

@_

-! ±

@_

34,8

31,5

15

34,8

31,5

15

44,9

12,0

83

44,9

12,0

83

1,4

88,9

80,8

46

1,4

88,9

80,8

46

1,5

68,7

22,7

90

1,5

68,7

22,7

90

1,5

68,7

22,7

90

1,5

68,7

22,7

90

1,316

,700

,472

1

,316

,700

,472

#

= shf{ gf]S;fg

L Jo

j:y

f #=!

c;n

62,

806

3

99,0

51

13,

582,

342

14,0

44,1

99

14,0

44,1

99

11,

508,4

41

#=@

;'Id

lgu/fgL

41,

427

1

74,4

24

5,1

17,7

47

5,3

33,5

98

5,3

33,5

98

3,7

21,8

53

#=#

k'g/;

+/rgf ul/Ps

f]

#=$ s

d;n

137

,994

1

25,6

02

2,7

24,2

10

2,9

87,

806

2

,987,

806

2

,783,

660

#=% z

+sf:kb

9

2,52

0 9

7,50

0 4

,095

,657

4

,285,

677

4,2

85,

677

4,1

87,

147

#=^

v/fa

861

,735

8

21,0

73

821

,073

9

,303

,545

10,

986,

353

10,

986,

353

11,

108,8

46

-v_ s'n Joj

:yf

1,1

96,4

82

1,1

96,4

82

1,6

17,6

50

1,6

17,6

50

34,8

23,5

01

34,8

23,5

01

37,

637,

633

37,

637,

633

37,

637,

633

37,

637,

633

33,

309,

947

33,

309,

947

$= ut j

if{ ;

Ddsf] Jo

j:y

f $=! c

;n

114

,352

1

1,39

4,0

89

11,

508,4

41

11,

508,4

41

6,9

94,8

15

$=@ ;

'Id lgu/fgL

5,3

26

3,7

16,5

27

3,7

21,8

53

3,7

21,8

53

3,1

93,4

75

$=# k

'g/;

+/rgf ul/Ps

f]

$=$

sd;n

163

,932

2

,619

,728

2

,783,

660

2,7

83,

660

1,8

54,4

76

$=%

z+sf:kb

4

36,6

84

3,7

50,4

63

4,1

87,

147

4,1

87,

147

3,9

70,6

65

$=^ v

/fa

966

,559

1

0,14

2,28

7 1

1,10

8,8

46

11,

108,8

46

10,

745,

595

-u_ ut

jif{;

Ddsf] s'n Joj

:yf

1,6

86,

853

1

,686,

853

3

1,62

3,09

4

31,

623,

094

33,

309,

947

33,

309,

947

33,

309,

947

33,

309,

947

26,

759,

026

26,

759,

026

-3_ o;

jif{s

f] Jo

j:yf

af6

lkmtf{

-

-

-

-

-ª_ o;

jif{s

f] yk

Joj

:yf

(490

,371

) (4

90,3

71)

1,6

17,6

50

1,6

17,6

50

3,2

00,4

07

3,2

00,4

07

4,3

27,6

86

4,3

27,6

86

4,3

27,6

86

4,3

27,6

86

6,5

50,9

21

6,5

50,9

21

o; j

if{sf] v'b

yk÷36

(490

,371

) (4

90,3

71)

1,6

17,6

50

1,6

17,6

50

3,2

00,4

07

3,2

00,4

07

4,3

27,6

86

4,3

27,6

86

4,3

27,6

86

4,3

27,6

86

6,5

50,9

21

6,5

50,9

21

v'b

shf{ -s

— v

_ 3

3,63

5,03

3 3

3,63

5,03

3 4

3,29

4,4

33

43,

294,4

33

1,4

54,1

57,3

45

1,4

54,1

57,3

45

1,5

31,0

85,

157

1,5

31,0

85,

157

1,5

31,0

85,

157

1,5

31,0

85,

157

1,2

83,39

0,52

5 1

,283,39

0,52

5





-s_ ;'/lIft 1,568,722,790 1,568,722,790 1,316,700,472 1,316,700,472 1. rn÷crn ;DklQsf] ;'/If0fdf 1,555,458,268 1,308,775,472 2. :jb]zL Ohfhtkq k|fKt ;+:yfsf] hdfgtdf 3. ;/sf/L hdfgtdf 1,966,000

4. cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf 5. lgof{t sfuhft (Export Document) sf] ;'/If0fdf 6. d'2tL /l;bsf] ;'/If0fdf 11,298,522 6,942,000

-s_ ;+:yfsf] cfkm\g} d'2tL /l;bsf] ;'/If0fdf 11,298,522 6,942,000 -v_ cGo Ohfhtkqk|fKt ;+:yfsf] d'2tL /l;bsf] ;'/If0fdf

7. ;/sf/L C0fkqsf] ;'/If0fdf 8. sfp06/ hdfgtdf 9. JolQmut hdfgtdf

10. cGo ;'/If0fdf 983,000 -v_ c;'/lIft

hDdf 1,568,722,790 1,568,722,790 1,316,700,472 1,316,700,472


ljj/0f;DklQ

o; jif{ ?= ut jif{ ?=ejg kl/jxg ;fwg d]lzg/L sfof{no ;fdfg cGo ;fdfg

!= k/ndf]n

-s_ ut jif{sf] df}Hbft 6,234,583 18,703,936 24,938,519 23,882,796

-v_ o; jif{ yk 495,800 3,220,741 656,092 4,372,633 1,055,723


-3_ o; jif{sf] ljqmL 213,227 213,227

-ª_ o; jif{sf] ckn]vg

s'n -s±v±u±3±ª_ k/ndf]n 6,517,156 6,517,156 21,924,677 21,924,677 656,092 656,092 29,097,925 29,097,925 24,938,519 24,938,519

@= x|f; s§L

-s_ ut jif{;Ddsf] 4,354,061 12,687,589 17,041,650 14,766,229

-v_ o; jif{sf] 432,619 2,007,637 81,719 2,521,975 2,275,421


-3_ x|f;s§L /sd ;dfof]hg÷lkmtf{

s'n x|f;s§L 4,786,680 4,786,680 14,695,226 14,695,226 81,719 81,719 19,563,625 19,563,625 17,041,650 17,041,650

#= a's Eofn' (WDV) -!–@_ 1,730,476 7,229,451 574,373 9,534,300 7,896,869

$= hUuf


^= nLh xf]N8 ;DklQ 3,897,629 4,664,856

hDdf -#±$±%±^_ 1,730,476 1,730,476 7,229,451 7,229,451 574,373 574,373 13,431,929 13,431,929 12,561,725 12,561,725

jflif{s k|ltj]bg @)&#÷&$ 127127


u}/ a+}ls· ;DklQ @)&$ ;fn cfiff9 d;fGt

cg';"rL $=!%


u}/ a+}ls·

;DklQ ;sf/

u/]sf] ldlt

s'n u}/ a+}ls·

;DklQ /sd

-?=_


;DklQ -?=_

ut jif{

-?=_k|ltzt /sd -?=_

s'n hDdf

gf]6M xfn ;Dd o; ljQLo ;+:yfn] u}/ a}+lsË ;DklQ ;sf/ u/L lnPsf] 5}g .



1 . d;nGb df}Hbft 1,317,348 1,278,319 2. nufgLdf c;'n ug{ afFsL

cfDbfgL

249,330

3. shf{df c;'n ug{ afFsL Aofh 16,322,434 1,787,113 735,232 Go'gM Aofh d'NtjL /sd (14,535,321)

4. c;'n ug{ afFsL sldzg 5. ;G8«L 8]A6;{ 4,782,032 1,355,863 6. sd{rf/L ;fk6L / k]ZsL 4,220,022 678,423 7. clu|d e'QmfgL 7,972,389 78,730 8. dfu{:y gub 9. dfu{:y cGo -r]s ;d]t_

10. ljgf ;'rgf 8«fk\m6sf] e'QmfgL 11. ckn]vg x'g afFsL vr{ 568,819 496,407 12. zfvf ldnfg lx;fa 14,016,702 13. :yug s/ ;DklQ 723,875 392,231 14. cGo ;DklQ 6,670,883 31,343,177

s_ w/f}6L -6]lnkmf]g, ns/ tyf

kf]i6aS;_

47,900 46,700

v_ clu|d cfos/ e'QmfgL 28,200,711 19,394,409 Go'gM cfos/ Joj:yf (27,094,480) (18,610,998) u_ clu|d aLdf lx;fa 45,967 74,080 3_ cGo 5,470,785 30,438,986 hDdf 42,059,183 42,059,183 36,607,712 36,607,712


;Defljt bfloTjx? @)&$ ;fn cfiff9 d;fGt

cg';"rL $=!&


!= ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] @= k|lttkqx? -dflh{g g36fO{ k"/f /sd_

-s_ ^ dlxgf eGbf sd cjlwsf] -v_ ^ dlxgf eGbf a9L cjlwsf]

#= k'gM l8:sfp06 ul/Psf lanx? $= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 10,900,000 5,900,000

-s_ la8 a08 -v_ k/km/d]G; a08 10,900,000 5,900,000 -u_ cGo Uof/]G6L÷a08

%= r'Qmf jf e'QmfgL x'g afFsL z]o/ nufgL ^= km/jf8{ PS:r]~h sG6«fS6sf] afFsL bfloTjx? &= sn]S;gdf /x]sf lanx? *= d~h'/L tyf ;dy{g (Acceptance & Endorsement) (= k|Tofe'lt k|lta4tf (Underwriting Commitment)

!)= ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) 89,526,690 128,023,000 !!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]G6Ldf lbPsf] Uof/]G6L !@= clu|d e'QmfgL Uof/]G6L (Advance Payment Guarantee) !#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) !$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax)

hDdf 100,426,690 100,426,690 133,923,000 133,923,000


cGo ;DklQ -yk ljj/0f_ @)&$ ;fn cfiff9 d;fGt

cg';"rL $=!^ -s_

ljj/0f o; jif{ ?=


dfly #

jif{;Dd

# jif{ eGbf

dfly

hDdf

!= shf{df c;'n ug{ afFsL Aofh 11,987,736 4,334,698 16,322,434 13,798,530 @= ljgf ;'rgf 8«fkm\6sf] e'QmfgL #= zfvf ldnfg lx;fa

$= :jb]zL tyf ljb]zL Ph]]G;L lx;fa

jflif{s k|ltj]bg @)&#÷&$ 129129


Aofh cfDbfgL ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd

cg';"rL $=!*


s= shf{ ;fk6 / clwljsif{df 222,191,351 222,191,351 151,188,422 151,188,422 != shf{ ;fk6 127,271,883 104,399,112 @= clwljsif{ 94,919,468 46,789,310 v= nufgLdf != g]kfn ;/sf/sf] ;'/If0fkq

-s_ 6«]h/L laN; -v_ ljsf; C0fkq -u_ /fli6«o artkq

@= ljb]zL C0fkq -s_ ========== -v_ ==========

#= g]kfn /fi6« a}+ssf] C0fkq $= l8j]Gr/ tyf a08

-s_ a}+s÷ljQLo ;+:yfx? -v_ cGo ;+:yfx?

%= cGt/ a}+s nufgLdf Aofh u= Ph]G;L df}Hbftdf != :jb]zL a}+s÷ljQLo ;+:yfx? @= ljb]zL a}+sx? 3= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf 21,327,447 21,327,447 8,961,382 8,961,382 != :jb]zL a}+s÷ljQLo ;+:yfx? 21,327,447 8,961,382 @= ljb]zL a}+sx? ª cGodf 58,447 58,447 75,761 75,761 != ;l6{lkms]6 ckm l8kf]lh6 @= cGt/ a}+s÷ljQLo ;+:yf shf{ #= cGo 58,447 75,761

hDdf -s±v±u±3±ª_ 243,577,245 243,577,245 160,225,565 160,225,565




ljj/0f o; jif{ ?= ut jif{ ?=s= lgIf]k bfloTjdf 109,025,750 109,025,750 69,545,773 69,545,773 != d'2tL lgIf]k 35,943,783 35,943,783 16,737,851 16,737,851

!=! :jb]zL d'b|f 35,943,783 16,737,851 !=@ ljb]zL d'b|f

@= art lgIf]k 49,893,079 49,893,079 36,734,665 36,734,665 @=! :jb]zL d'b|f 49,893,079 36,734,665 @=@ ljb]zL d'b|f

#= dfu]sf] avt ltg'{kg]{ lgIf]k 23,188,888 23,188,888 16,073,257 16,073,257 #=! :jb]zL d'b|f 23,188,888 16,073,257 #=@ ljb]zL d'b|f

$= = ;l6{lkms]6 ckm l8kf]lh6;\;l6{lkms]6 ckm l8kf]lh6;\ v= shf{ ;fk6df 1,183,562 1,183,562 19,178 19,178 != C0f tyf a08 @= g]kfn /fi6« a}+saf6 k|fKt shf{ #= cGt/ a}+s / ljQLo ;+:yf shf{ 1,183,562 19,178 $= cGo ;+ul7t ;+:yf %= cGo shf{ u= cGodf != cGt/ zfvf

hDdf 110,209,312 110,209,312 69,564,951 69,564,951


ljj/0f o; jif{ ?= ut jif{ ?=s= laN; vl/b tyf l8:sfp06 != :jb]zL @= ljb]zL v= sldzg 2,103,795 2,103,795 1,208,197 1,208,197 != k|lttkq @= hdfgtkq 36,000 #= sn]S;g kmL $= /]ld6]G; kmL 2,067,795 1,208,197 %= qm]l86 sf8{ ^= z]o/ k|Tofe'lt÷lgisfzg &= ;/sf/L sf/f]af/ jfkt *= O=k|f= sldzg jfkt (= a§f cfDbfgL s s u= cGo sldzg 1,420,461 1,420,461 1,091,074 1,091,074

hDdf 3,524,256 3,524,256 2,299,271 2,299,271

jflif{s k|ltj]bg @)&#÷&$ 131131



ljj/0f o; jif{ ?= ut jif{ ?=!= ;]km l8kf]lh6 eN6sf] ef8f @= qm]l86 sf8{ lgisfzg tyf gjLs/0f #= ATM sf8{ lgisfzg tyf gjLs/0f 18,995$= 6]n]S;÷l6=l6= %= ;]jf z'Ns 12,893,067 14,901,327 ^= gjLs/0f z'Ns 2,163,578 &= cGo 1,720,456 5,671,096

hDdf 16,777,101 16,777,101 20,591,418 20,591,418


ljj/0f o; jif{ ?= ut jif{ ?=-s_ ljlgdo b/df ePsf] km/saf6 -v_ ljb]zL d'b|f sf/f]jf/af6 -a§f afx]s_ 40,109 62,618

hDdf cfDbfgL÷-gf]S;fg_ 40,109 40,109 62,618 62,618


ljj/0f o; jif{ ?= ut jif{ ?= != tna 13,165,825 10,817,915 @= eQf 6,342,275 4,986,601 #= ;~ro sf]ifdf yk 1,185,328 985,097 $= tflnd vr{ 338,083 63,200 %= kf]zfs 298,414 246,845 ^= cf}ifwf]krf/ &= aLdf *= k]G;g tyf pkbfg Joj:yf 165,079 404,100 (= cGo

s= bz}+ vr{ 1,162,522 1,093,960 v= cf]e/6fO{d vr{ 101,286 50,409 u= labf tna afktsf] Joj:yf 1,020,536 1,176,288 3=cGo vr{ 238,460 hDdf 24,017,808 24,017,808 19,824,415 19,824,415



cGo ;~rfng vr{ ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@$

ljj/0f o; jif{ ?= ut jif{ ?=!= 3/ef8f 3,882,948 2,684,657 @= aQL lah'nL / kfgL 811,517 613,415 #= dd{t tyf ;Def/ 981,169 683,751

-s_ ejg

-v_ ;jf/L ;fwg 524,272

-u_ cGo 456,896 $= aLdf 299,398 732,460 %= kf]i6]h, 6]n]S;, 6]lnkmf]g, km\ofS;, O{d]n 2,727,225 830,860 ^= sfof{no pks/0f kmlg{r/ / ;Def/ &= e|d0f eQf / vr{ 862,341 356,584 *= d;nGb / 5kfO{ 922,685 837,090 (= kqklqsf tyf k':ts 43,595 75,297

!)= lj1fkg 392,263 150,668 !!= sfg'gL vr{ 138,184 !@= rGbf 5,111 !#= ;~rfns ;ldlt ;DaGwL vr{ 680,737 251,000

-s_ a}7s eQf 559,000 -v_ cGo vr{ 121,736

!$= ;fwf/0f ;ef ;DaGwL vr{ 437,268 !%= n]vfk/LIf0f ;DaGwL vr{ 716,555 358,310

-s_ afx|o n]vfk/LIf0f z'Ns 339,000

-v_ cGo vr{ 377,555!^= /sd :yfgfGt/0f sldzg 34,244 !&= :yL/ ;DklQdf x|f; s§L 3,848,768 3,691,414

s= l:y/ ;DkQL 2,521,975 v= lnhxf]N8 ;DkQL 1,173,205 u= ;km\6j]o/ ckn]vg 153,587

!*= k"j{;~rfng vr{ ckn]vg !(= z]o/ lgisfzg vr{ 1,443,707 @)= k|fljlws ;]jf ;f]wegf{ 1,269,916 1,418,546 @!= Dfgf]/Ghg vr{ 449,798 363,972 @@= ckn]vg vr{ @#= ;'/Iff vr{ 3,104,490 3,797,686 @$= shf{ ;"/If0f lk|ldod 2,014,566 176,795 @%= sldzg / l8:sfpG6 17,089 8,046 @^= cGo 2,831,354 2,237,872

s= Jofkf/ k|j4{g vr{ 156,038 v= O{Gwg vr{ 894,369 u= gjLs/0f vr{ 806,568 3= ;b:otf z"Ns 189,700 ª= pb\3f6g vr{ 154,655 r= jflif{sf]T;j vr{ 2,103 5= sfof{no km"6s/ ;fdfg vr{ 11,760 h= ljljw vr{ 616,158 hDdf 27,771,633 27,771,633 19,411,718 19,411,718

jflif{s k|ltj]bg @)&#÷&$ 133133

cNkfOg 8]enkd]G6 a}+s lnld6]8

x]6f}F8f–$, dsjfgk'/



!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 4,327,686 6,550,921

@= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 4,732



hDdf 4,332,418 4,332,418 6,550,921 6,550,921

u}/ ;~rfng cfDbfgL÷gf]S;fg ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd

cg';"rL $=@^


!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ 275,000

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ 546,773

#= nfef+z 39,197 19,599



v= Aofh Ifltk"lt{

u= ;6xL sfp06/

%= cGo

v'b u}}/ ;~rfng cfDbfgL÷-gf]S;fg_ 585,970 585,970 294,599 294,599



!= shf{ gf]S;fgL Joj:yfaf6 lkmtf{

@= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lˆmtf{

#= nufgL Joj:yfaf6 lkmtf{


hDdf





!= ckn]vg ePsf] shf{sf] c;'nL @= :j]lR5s cjsfz vr{ #= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ $= cGo vr{÷cfDbfgL %= =========================

hDdf



ul/Psf]] /sd

lwtf]sf]

k|sf/

tyf /sd

lwtf]

d""Nofs+gsf]

cfwf/

shf{ :jLs[t

ug]{

clwsf/L÷tx

shf{

c;'nLsf

nflu eP

u/]sf k|of;

s}lkmot

!= rfn' kF"hL shf{ @= kl/of]hgf shf{ #= l:y/ kF"hL shf{ $= JolQmut shf{ %= cGo shf{

s'n shf{ gf]6 M o; cfly{s jif{el/df s"g} klg shf{ ckn]vg ul/Psf] 5}g .

jflif{s k|ltj]bg @)&#÷&$ 135135


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


v/Lb tyf l8:sfp06 ul/Psf ljnx? / shf{ ;fk6 tyf clwljsif{df k|jflxt s'n /sddWo] ;~rfns, sfo{sf/L k|d"v, ;+:yfks, sd{rf/L, z]o/xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d]g]lhË Ph]06 ePsf] jf s'g} ;+:yf jf sDkgLnfO{ uPsf]/sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;~rfns÷

sfo{sf/L k|d'vsf] gfd ut jif{;Ddsf] af“sL o; jif{ c;'nL o; jif{ yk

shf{

@)&$ cfiff9

d;fGt;Dd af“sL;f“jf Aofh ;f“jf Aofh ;f“jf Aofh

s= ;~rfns

!= @=

v= sfo{sf/L k|d'v

!= @=

u= ;+:yfks

1. 2.

3= sd{rf/L

1. 2.

ª= z]o/wgLx?

1. 2.

hDdf

gf]6 M sd{rf/L ;]jf ljlgodjfnL cGt{ut sd{rf/LnfO{ k|jfx ul/Psf] shf{ / ;+rfnsx? ÷ cfwf/e't z]o/wgLnfO{ d"2tL /l;b ÷ ;/sf/L

;'/If0fx?df k|jfx ul/Psf] shf{x?nfO{ o; cg';'rLdf ;dfj]z ul/Psf] 5}g .



k“"hLsf]if tflnsf @)&$ cfiff9 d;fGt cg';"rL $=#)

-?= xhf/df_

qm=;+ ljj/0f o; jif{ ?= ut jif{ ?=

-s_ k||fylds k“"hL 363,559 363,559 209,559 209,559 !_ r'Qmf k"FhL 260,075 145,140 @_ k|:tfljt af]g; z]o/ 59,832 32,935 #_ z]o/ lk|ldod $_ lkmtf{ gx'g] cu|flwsf/ z]o/ %_ ;fwf/0f hu]8f sf]if 43,652 31,154 ^_ ;l~rt gfkmf÷-gf]S;fg_ 826 &_ jf;nftdf b]vfO{Psf] rfn' cf=j=sf] gfkmf gf]S;fg lx;fjsf] /sd *_ k"FhL lkmtf{ ;dfof]hg sf]if (_ k"FhL ;dfof]hg sf]if

!)_ sN; O{g P8efG; !!_ cGo :jtGq sf]ifx? 724 392

36fpg] M — Voflt (Goodwill) jfktsf] /sd — :yut s/ ;Dklt (Deffered Tax Asset) (724) (724) (392)— ;LdfeGbf a9L z]o/, ;'/If0fkqdf nufgL ul/Psf] /sd — ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd — cjf:tljs ;DkQL (496)— o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu 3/hUuf vl/b u/]sf] /sd — ;LdfeGbf a9L cfj;, ejg lgdf{0f tyf hUuf ljsf;df nufgL ul/Psf] /sd — tf]lsPsf] ;do leq ljqmL ljt/0f ug{ g;lsPsf] z]o/ k|Tofe'lt . — k|rnLt P]g tyf sfg'gn] k|ltaGw u/]sf JolQm tyf ;d'xx?nfO k|bfg u/]sf] shf{ tyf ;'lawfx?

-v_ k"/s k“"hL 14,104 14,104 11,520 11,520 !_ c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf 14,044 11,508 @_ cltl/Qm shf{ gf]S;fgL Joj:yf #_ xfOla|8 k"FhL pks/0fx? $_ ;'/If0f g/flvPsf] ;xfos cfjlws C0f %_ ;6xL ;lds/0f sf]if 22 12 ^_ ;DklQ k"gd"{NofÍg sf]if &_ nufgL ;dfof]hg sf]if 38 -u_ hDdf k“"hLsf]if ;DklQ -s + v_ 377,663 377,663 221,079 221,079 -3_ hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k"“hLsf]if

k"FhLsf]if -!! k|ltzt_ 214,953 182,314 k|fylds k"FhL -%=% k|ltzt_ 107,477 91,157 k"FhLsf]if -clws÷Go"g_ *=## k|ltztn] clws 19.33% 13.34%k|fylds k"FhL -clws÷Go"g_ !#=!) k|ltztn] clws 18.60% 12.64%


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cGo



cg';"rL $=#@

ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx?

!= ;fdfGo hfgsf/L M cNkfOg 8]enkd]06 a}+s g]kfn /fi6« a}+s af6 Ohfht kq k|fKt ævÆ ju{sf] ljlQo ;+:yfxf] . of] a}+s sDkgL P]g

@)^# cGt{ut klAns sDdgLsf] ?kdf @)^$ ;fn >fj0f @ ut] sDkgL /lhi6f/sf] sfof{nodf btf{ ePsf] Ps

l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi68{ sfof{no dsjfgk'/ lhNnfsf] x]6f}F8f g=kf= j8f g+= $ df /x]sf]

5 . of] sDkgL dsjfgk'/, lrtjg / sfe]|knfGrf]s lhNnf u/L # lhNnf sfo{ If]q ePsf] ævÆ ju{sf] ljQLo ;+:yfsf]

?kdf ljQLo sf/f]jf/ ug{ cfjZos :jLs[lt k|fKt u/L cflZjg !*, @)^$ b]lv cfˆgf] sf/f]jf/ ;~rfng u/]sf] xf] .

ljlQo ljj/0f @)&#÷)$÷)! Uft]b]lv @)&$÷)#÷#! Uft] ;Ddsf] cfly{s sf/f]jf/ ;dfj]z u/L tof/ kfl/Psf] 5 .

@= k|d'v n]vfgLltx?sf] ;f/f+z M -s_ ljQLo ljj/0fx? tof/ ubf{ cfwf/ dflgPsf n]vfgLltx? tnpNn]v ul/Psf 5g\ . cGoyf pNn]v ul/Psf]df

afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

-v_ ljQLo ljj/0fx? cGoyf pNn]v ul/Psf]df afx]s P]ltxfl;s d"No cjwf/0ff cg'?k tof/ ul/Psf 5g\ .

-u_ cGoyf pNn]v ul/Psf]df afx]s ljQLo sf/f]jf/ x? k|f]befjL cfwf/ -Accrual Basis_ df n]vfÍg u/L ;f]xLcg'?k

ljQLo ljj/0fx? tof/ ul/Psf] 5 .

#= ljQLo ljj/0fsf] n]vf°gsf cfwf/ M ljQLo ljj/0fx? ;fdfGotof :jLs[t n]vf l;¢fGtx?, a}+lsË If]qdf ljBdfg n]vfgLltx?, sDkgL P]g, g]kfn n]vfdfg

tyf g]kfn /fi6« a}+sn] hf/L u/]sf cf=j=@)&#÷)&$ nfO{ nfu' x'g] lgb]{zgx? adf]lhd tof/ ul/Psf 5g\ .

$= l:y/ ;DklQ n]vf°g gLlt M -s_ l:y/ ;DklQ x? nfO{ P]ltxfl;s nfut cjwf/0ffsf] (Historical Cost Concept) cfwf/df n]vfÍg ug]{

gLltcjnDagul/Psf] 5 .

-v_ l:y/ ;DklQx?df Xf; s§L cfos/ P]g, @)%* cg';f/ ejg, ;jf/L ;fwg, sfof{no ;fdfg, d]l;g/L tyfcGo

;DkQL u/L kFfr ;d'xdf jlu{s/0f ul/ cfos/ P]gdf tf]lsPsf] b/ jdf]lhd Xf; s§L u/LPsf] 5 .

-u_ cb[Zo ;DklQx? h:t} sDKo"6/ ;km\6j]o/ cfbLnfO{ % aif{df ;dfg'kflts b/df Xf; s§Lug]{ gLlt /x]sf] 5 .

-3_ sDkgLn] k§fdf lnO{Psf] ejgdf x'g] l:y/ k|s[ltsf] lgdf{0f -Lease Hold Assets_ sf] ckn]vg !) aif{df

;dfg'kflts b/df x|f; s§L ug]{ gLlt /x]sf] 5 .

%= k'“hLs[t gul/g] ;DklQx? ;DaGwL n]vf°g gLlt M sDkGfLn] ?= @,))).– ;Ddsf ;fdfg x? nfO{ k'FhLs[t gu/L vr{ n]Vg] gLlt lnO{Psf] 5 .

^= cfos/ Joj:yf gLlt M cfos/ P]g, @)%* sf] clwgdf /xL cfos/ Joj:yf ul/Psf] 5 . cfos/ ljj/0f tyf ljQLo ljj/0f aLr ;DklQ

bfloTjdf x'g cfpg] c:yfoL km/ssf] u0fgf u/L eljiodf ;dfof]hg x'g] km/sx¿ nfO{ xfn sfod s/sf] b/df

:yug s/ Joj:yf ug]{ gLlt /x]sf] 5 . :yug s/ u0fgfsf] ljj/0f n]vf ;DalGw l6Kk0fLdf v'nfO{Psf] 5 .

jflif{s k|ltj]bg @)&#÷&$ 141141

&= nufgL n]vf°g gLlt M sDkgLsf] ;Dk"0f{ nufgLnfO{ “Held for Trading”, “Held to Maturity” tyf “Available for sale” u/L tLg j6f

ju{df juL{s/0f ug]{ gLlt cjnDag ul/Psf] 5 . nufgLnfO{ nfut cyjf ahf/ d"No dWo] sd /sddf d"NofÍg u/L

;f]xL cg';f/ n]vfÍg ug]{ gLlt /x]sf] 5 . g]kfn lwtf]kq ljlgdo ahf/ ln= df ;'lrs[t gePsf] z]o/df ul/Psf]

nufgLnfO{ nfut d'Nodf d"NofÍg u/L ;f]xL cg';f/ n]vfÍg ug]{ gLlt /x]sf] 5 .

;/sf/L C0fkq, lasf; C0fkq tyf 6«]h/L ljndf ePsf] nufgLnfO{ nfut d"Nodf n]vf+s gug]{ gLlt /x]sf] 5 .

*= ;6xL 36a9 ;dfof]hg gLlt M sDkgLn] ljb]zL d'b|fsf] vl/b ug{] Ohfht lnPsf] 5 / u|fxsaf6 lnPsf] ljb]zL d'b|f g]kfn /fi6« a}Fsaf6 ;6xL ug]{

u/]sf] 5 . o:tf] ubf{ x'g] km/snfO{ gfkmf gf]S;fg lx;fadf lnO{g] lglt lnO{Psf] 5 ;fy} ljb]zL d'b|fdf ePsf] ;DkQL

jf bfloTjnfO{ cf=j= sf] cGTodf k'g{Df"Nof+sg u/L cfpg] km/snfO{ klg gfkmf gf]S;fg lx;fadf lng] lglt lnO{Psf]

5 . ;6xL 36j9 cfDbfgL ePdf pQm /sdsf] @% k|ltzt ;6xL 36a9 sf]ifdf yk ul/g] lglt lnO{Psf] 5 .

(= u}/ a}+ls· ;DkQLsf] n]vf°g gLlt M g]kfn /fi6« a}+ssf] u}/ a}+lsË ;DklQ ;DaGwL n]vfÍg gLlt cg'?k u}/ a}+lsË ;DklQ sa'n ubf{sf] ;dodf ;Dk"0f{

n]gf /sd cyjf lwtf] /x]sf] ;DklQsf] k|rlnt ahf/ d"No (Fair market price) dWo] h'g sd 5 ;f]xL /sddf

u}/ a}+lsË ;DklQsf] n]vfÍg ug]{ gLlt /x]sf] 5 . u}/ a}+lsª ;DklQ n]vfÍg u/]sf] aif{df g} ;Dk"0f{ /sdsf] gf]S;fgL

Aoj:yf ul/g] gLlt /x]sf] 5 .

v/fa shf{ ckn]vg ;DalGw sfo{lalw g]kfn /fi6« a}+s4f/f :jLs[lt a}+ssf] shf{ ckn]vg lgodfjlndf pNn]v eP

adf]lhd x'g]5 . a}ssf] v/fa shf{ c;'lnsf] nflu pko'Qm /sd ;Ddsf] Aofh ldgfx lbg ;Sg] lglt lnPsf] 5 .

k|To]]s v/fa shf{sf] ca:yf x]l/ Gofof]rLt 9+un] shf{sf] km5f}{6 ul/g] 5 .

o; cf=j=;Dddf sDkgLsf] u}/ a}+lsË ;DklQ l;h{gf ePsf] 5}g .

!)= Aofh tyf cGo cfDbfgL u0fgf tl/sf M s_ shf{ vftfx?df Aofhsf] u0fgf #^% lbgk|lt aif{sf] b/n] ul/Psf] 5 .

v_ Jofh cfDbfgLnfO{ g]kfn /fi6« a}+ssf] PsLs[t lgb{]lzsf adf]lhd gub k|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5

h'g g]kfn n]vfdfgdfkb08 (NAS 07) cg'?k 5}g . ;fy} o; aif{ kfs]sf] / @)&$ ;fpg !% ut] ;Dd k|fKt

ePsf] shf{ Aofh cfDbfgLdf u0fgf ul/Psf] 5 .

g]kfn ;/sf/sf] C0fkqdf cflh{t AofhnfO{ cfh{gsf] cfwf/ (Accrual Basis)df n]vf+sg ug]{ gLlt cjnDag

ul/Psf] 5 . o; cf=j=df o; lzif{s cGt/ut s'g} sf/f]jf/ gePsf] b]lvG5 .

u_ sldzg cfDbfgLnfO{ cfh{gsf] cfwf/ (Accrual Basis) n]vf+sg ug]{ gLlt /x]sf] 5 .

!!= vr{ u0fgf n]vf°g gLlt M s_ lgIf]k vftfx?df Jofhsf] u0fgf #^% lbgk|lt aif{sf] b/n] ul/Psf] 5 .

v_ Aofh tyf cGo vr{x?nfO{ cfh{gsf] cfwf/ (Accrual Basis)df n]vf+sg ul/Psf] 5 .

!@= shf{ gf]S;fgL Joj:yf gLlt M g]kfn /fi6« a}+ssf] Plss[t lgb{]lzsf adf]lhd shf{ vftfx?nfO{ auL{s/0f u/L ;f]xL cg';f/ shf{ gf]S;fgL Joj:yf

u/LPsf] 5 . q}dfl;s ?kdfshf{ gf]S;fgL Aoj:yfdf ;dfof]hg u/L yk36 ug]{ ul/Psf] 5 . shf{, ;fk6 tyf ljn

v/LbnfO{ jf;nftdf ;Defljt gf]S;fgL Aoj:yf kl5sf] v'b d"Nodf b]vfO{Psf] 5 .

c;'n x'g g;Sg] shf{ /sd ckn]vg ubf{ g]kfn /fi6« a}+sn] hf/L u/]sf] lgb]{zg, sDkgLsf] shf{ ckn]vg gLltsf]

clwgdf /lx ;~rfns ;ldltsf] :jLs[tLaf6dfq shf{ ckn]vg ug]{ gLlt lnOPsf] 5 .


!#= lnhxf]N8 ;DktL, :yug vr{ tyf k'j{ ;~rfng vr{ s_ ef8fdf lnPsf] ejg ljsf;sf nfuL ul/Psf] vr{x?nfO{ lnhxf]N8 ;DklQ cGtu{t kF"hLs[t ul/Psf] 5 . pQm

vr{x?nfO{ 3/ ef8fsf] cjlwdf ckn]vg ug]{ gLlt cjnDag ul/Psf] 5 . lnhxf]N8 ;DklQnfO{ l:y/ ;DklQdf

;dfj]z ul/Psf] 5 .

v_ sDKo'6/ ;km\6j]o/ ;DalGw vr{nfO{ l:y/ ;DkQLdf ;dfj]z ul/Psf] 5 . pQm vr{nfO{ % jif{df ckn]vg ug]{

gLlt cjnDag ul/Psf] 5 .

!$= v"b gfkmf af“8kmf“8 gLlt M a}+s tyf ljQLo ;+:yf ;DalGw P]g @)^#, cg'?k gfkmf÷gf]S;fg lx;fjaf6 b]lvPsf] v'bgfkmfsf] @) k|ltzt /sdnfO{

;fwf/0f hu]8f sf]ifdf afF8kmfF8 ug]{ gLlt cjnDjg ul/Psf] 5 . ;fy} g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd :yug

s/ ;DklQ a/fa/sf] /sdnfO{ :yug s/ hu]8f sf]ifdf :yfgfGt/0f ug]{ / o; sf]ifsf] /sdnfO{ :yug s/ bfloTj

;+u dfq ;dfof]hg ug]{ gLlt lnO{Psf] 5 .

!%= sd{rf/L pkbfg tyf cGo ;'ljwf jfkt Joj:yf gLlt M -s_ o; jif{sf] cGt ;Dddf sd{rf/Lsf] pkbfg jfkt ?= 10,56,703 Joj:yf ul/Psf] 5 .

-v_ sd{rf/L af]g; Joj:yf cGtu{t af]g; P]g adf]lhd ;Dk'0f{ ;~rfng kl5sf] v'b gfkmf af6 !) k|ltztsf]

b/n] x'g] /sd jf]g; jfkt lx;fj u/L 5'6[ofOg] gLlt cjnDag ul/sf]5 .

!^= shf{sf] ;f“jf tyf Aofh c;'n ug]{ Aoj:yf ;DjlGwt C0fLaf6 /sd c;'n pk/ ubf{ To:tf] c;'n /sd dWo]af6 ;j{k|yd c;'n pk/ ug'{kg]{ cGo n]gf /sd,

xhf{gf / Jofh ;Dk"0f{ ?kdf c;'npk/ ePkl5sf] cj:yfdf dfq afFsL /sd ;fFjfdf cfjZos lx;fj ldnfg ug]{

gLlt lnPsf] 5 .

!&= cGo s_ sDkgLn] v/Lb u/]sf] ;j} lsl;dsf] :6]zg/L tyf 5kfO{ ;fdu|Lx? dWo] afFsL /x]sf] df}HbftnfO{ FIFO (First

in First Out) Method af6 d"NofÍg u/L cGo ;DklQdf b]vfpg] gLlt /x]sf] 5 .

v_ kl5Nnf] jif{sf] /sd x¿ nfO{ k'gM ;+/rgf tyf k'gMjlu{s/0f ul/Psf] 5 .

jflif{s k|ltj]bg @)&#÷&$ 143143


cg';"rL $=##

n]vf ;DaGwL l6Kk0fLx?

!= r'Qmf k"“hLdf ePsf] kl/jt{g o; jif{sf] r'QmfkF"hL o; k|sf/ /x]sf] 5 M–

z'?sf] r'QmfkF"hL M ?= 178,075,300.–

xsk|b z]o/ lgisfzg M ?= 82,000,000.–

clGtd r'Qmfk"FhL -@)&$ cfiff9 #!_ M ?= 260,075,300.–

@= ;fwf/0f hu]8f sf]if a}+s tyf ljlQo ;+:yf ;DaGwL P]g, @)^# sf] bkmf $$ df ePsf] Joj:yf cg';f/ a}+sn] cfkm\gf] v'b d'gfkmfsf] @)

k|ltzt /sd ;fwf/0f sf]ifdf ;fg'{kb{5 . To;} cg';f/ a}+sn] rfn' cf=a=df v'b d'gfkmfsf] @) k|ltztn] x'g cfpg]

?= 12,497,162 ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 . jf;nft ldltdf o; sf]ifsf] df}Hbft ?= 43,651,620 /x]sf] 5 .

#= Aofh cfDbfgL tyf Aofh d'NtaL g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ shf{ tyf ;fk6af6 cflh{t Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/df dfq cfDbfgL

b]vfpg] k|fjwfg cg'?k shf{ tyf ;fk6df kfpg'kg]{ ;Dk'0f{ Jofh k|fKt eO{ ;s]sf]n] Aofh d'NtjL vftf kfpg' kg]{

/sd b]vfOPsf] 5}g . ;fy} ;fpg !% ut];Ddsf] shf{ Aofh cfDbfgLdf ?= !,&*&,!!# u0fgf ul/Psf] 5 .

$= :yug s/ hu]8f Uft jif{;Ddsf] :yug s/ hu]8f ?= 392,231 df o; aif{sf] :yug s/ cfDbfgL ?= ##!,^$$ Nf] j[l4 eO{ jf;nft

ldltdf :yug s/ hu]8f ?= &@#,*&% /x]sf] 5 .

%= nufgL ;dfof]hg sf]if o; a}+ssf] o; cf=j df gfkmf gf]S;fg afF8kmfF8 vftfaf6 nufgL ;dfof]hg sf]ifdf ?= #*,#)$ /sd ;fl/Psf] 5 .

^= nfef+z ldlt @)&$÷)&÷@% df a;]sf] ;+rfns ;ldltsf] a}7s g+= !#^ sf] lg0f{o cg';f/ o; 8]enkd]G6 a}+s / ;]~r'/L

sdl;{on a}+s lar ldlt @)&$÷)#÷!% df ;+:yf k|flKt ;DaGwdf ;DkGGf ;Demf}tfsf] g+=& -v_ cg'?k o; ;+:yfsf]

cf= a= @)&#÷&$ sf] nef+z afF+8kmFf8 ;]~r'/L sdl;{on a}+s lnld6]8af6 x'g] ;xdlt cg'?k cf=af= @)&#÷&$ sf]

afF+8kmFf8 of]Uo d'gfkm af6 ?= $(,%%#,!^! / k|fKt z]o/ k|]ldodaf6 ?= !),@&*,$)$ a/fa/ af]g; z]o/ ljt/0f

ug{ l;kmfl/; ug{] lg0f{o ul/Psf] 5 . ;f]lx adf]lhd ljlQo ljj/0fdf ;f] /sdx?nfO{ k|:tfljt cGtu{t n]vf+sg

ul/Psf] 5 .

&= ltg{ af+sL shf{ ;fk6 ljj/0f o; cfly{s aif{sf] d;fGtdf ltg{ af+sL shf{ ;fk6L /x]sf] 5}g .

*= u}/ a}ls· ;DklQ @)&$ cfiff9 #! ut] ;Dd a}Fsn]] shf{ c;"nLsf] l;nl;nfdf lwtf] lnnfd laqmL geO{ cfkm}n] ;sf/ ug'{ kg]{ cj:yfg

cfPsf]n] ljlQo ;+:yfsf] gfddf u}/ a}lsË ;DklQ /x]sf] 5}g .


(= shf{ tyf ;fk6 k|jfx, c;'nL tyf ;f“jf Aofh ckn]vgsf] ;f/fz+M

sDkgLsf] cf=j= @)&#÷&$ df ljt/0f ePsf] shf{ / c;'nLsf] ljj/0f o; k|sf/ /x]sf] 5 .

ljj/0f /sd -?= xhf/df_

z'?sf] df}Hbft 1,316,700,472

shf{ ljt/0f 7,735,788,378

shf{ c;'nL 7,483,766,060

;Ffjfshf{ ckn]vg

clGtd df}Hbft 1,568,722,790

Jofh ckn]vg

!)= lgIf]k bfloTjdf ePsf] kl/jt{gsf] ljj/0f M sDkgLn] cf=j= @)&#÷&$ sf] lgIfksf]] lja/0f o; k|sf/ /x]sf] 5 .

ljj/0f rfn' jif{ -?_ ut jif{ -?_ kl/jt{g -?_

rNtL lgIf]k 95,736,856 67,507,980 28,228,876

jrt lgIf]k 943,337,223 879,830,036 63,507,187

dfu]sf] avt ltg'{ kg]{ lgIf]k 408,715,272 431,888,689 (23,173,417)

d'2tL lgIf]k 486,743,044 224,070,951 262,672,093

hDdf 1,934,532,3951,934,532,395 1,603,297,6561,603,297,656 331,234,739331,234,739

!!= efl/t cf}ift Jofhb/ M

sDkgLsf] cf=j= @)&#÷&$ sf] efl/t cf}ift Jofhb/ lgDg adf]lhd /x]sf] 5 .

ljj/0f k|ltzt

shf{ / nufgLsf] cf}iftb/ 14.91

lgIf]k cf};t b/ 7.29

v"b cGt/ 7.62

!@= ckn]vg x'g af“sL vr{ M ljlQo ;+:yfn]] ;'/If0fsf] ?kdf cfkm\gf] ;DklQ lwtf] /fvL s'g} shf{ lnPsf] 5}g .

ljj/0fz'? df}Hbft

-?_

k"“hLs[t /sd

-?_

o; jif{sf] ckn]vg /sd

-?_

ckn]vg x'g aF“sL /sdx?

-?_

lnhxf]N8 ;DklQ 4,664,856 405,978 1,173,205 3,897,629

;ˆ6j]o/ 496,407 226,000 153,587 568,820

hDdf 5,161,2635,161,263 1,748,0241,748,024 1,554,5421,554,542 5,354,7455,354,745

jflif{s k|ltj]bg @)&#÷&$ 145145

!#= e'QmfgL cjlwsf] cfwf/df ;DklQ tyf bfloTjsf] juL{s/0f

-/sd ?= xhf/df_

;Dklt !–()lbg

(!–!*)lbg

!*!–@&) lbg

@&!–#^% lbg ! jif{ eGbf a9L

s'n /sd

;Dklt

gub df}Hbft 85,921 85,921

a+}s tyf ljQLo ;+:yf df}Hbft 123,668 123,668

ljb]zL a}+sdf ul/Psf] nufgL

dfu]sf] jvt kfpg'kg]{ /sd 539,889 539,889

g]kfn ;/sf/sf] C0fkq

g]kfn /fi6« a}+s C0fkq

cGt/ a}+s tyf ljQLo

;+:yfdf nufgL

shf{ ;fk6 288,396 214,186 147,021 173,158 750,176.95 1,572,939

kfpg'kg]{ Aofh 21,462 21,462

cGo 3,127 49,861.14 62,988

s'n ;DklQ 1,072,466 214,186 147,021 173,158 800,038.09 2,406,870

bfloTj

lgIf]k

rNtL lgIf]k 95,736 95,736

art lgIf]k 94,333 94,333 141,500 283,001 330,168.03 943,337

d'2tL lgIf]k 173,948 41,480 139,416 62,608 68,289.51 485,743

C0fkqx?

e'QmfgL lbg'kg]{ 2,451 2,451

Aofh lbg'kg]{ 4,640 4,640

shf{ gf]S;fgL Aoj:yf 36,429 36,429

cGo 68,965 769,566.08 838,531

s'n bfloTj 476,506 135,813 280,917 345,609 1,168,023.62 2,406,870

v'b ljQLo ;DklQ 595,959 78,372 (133,895) (172,450) (367,985.53)

;+lrt v'b ljQLo ;DklQ 595,959 674,332 540,436 367,985

!$= sDkgLn] ;'/If0fsf ?kdf cfkm\gf] ;DklQ lwtf] /fvL s'g} /sd lnPsf] 5}g .

!%= u}/ a}ls· ;DklQ sDkgLn] xfn;Dd s'g} u}/ a}lsË ;DklQ :jLsf/ u/]sf] 5}g .

!^= sDkgLsf] r'Qmf k"“hL dWo] clu|d e'QmfgL k|fKt (Paid in Advance) e'QmfgL k|fKt x'g af“sL (Calls in

Arrears) / hkmt ul/Psf t/ k'gMlgisfzg ul/;s]sf (Forfeited But Not Issued) z]o/x? g/x]sf] .!&= a}+s cGt/ zfvf lx;fa ldnfgdf ?= !$,)!^,&)@ 8]lj6 lx;fa ldnfg x'g af“sL /x]sf] b]lvG5 .!*= cfos/


s_ o; jif{sf] cfos/ o; jif{sf] cfos/ cfos/ P]g @)%* cg';f/ Joj:yf ul/Psf] 5 .

v_ :yug s/ (Deferred Tax) cfos/ ljj/0f tyf ljQLo ljj/0f aLr ;DklQ bfloTjdf x'g cfpg] c:yfoL km/ssf] u0fgf u/L eljiodf

;dfof]hg x'g] km/sx¿nfO{ xfn sfod #) k|ltzt s/sf] b/df :yug s/sf] u0fgf lgDgfg';f/ ul/Psf] 5 .

:yug ul/Psf] s/ ;DklQ÷

-bfloTj_n]vf cfwf/ s/ cfwf/ c:yfoL km/s

o; jif{sf] :yug

s/ ;DklQ

-bfloTj_

pkbfg afktsf] Joj:yf 1,056,703 1,056,703 317,010

ljbf afktsf] Joj:yf 2,170,188 2,170,188 651,056

vr{ afktsf] Joj:yf 125,616 125,616 37,684

nufgL gf]S;fgL afktsf] Joj:yf 4,732 4,732 1,419

l:y/ ;Dklt 14,000,749 13,056,425 (944,323) (283,297)

:yug s/ -bfloTj_÷;DklQ 723,875

ut jif{sf] :yug s/ ;DklQ 392,231

o; jif{sf] :yug s/ cfDbfgL 331644

!(= cGo -s_ pkbfg Joj:yf M ;+:yfsf] sd{rf/L ljlgodfjnL @)^$ jdf]lhd cfiff9 #!, @)&$ df ?= !,)%^,&)#

sd{rf/Lsf]] pkbfg jfkt Joj:yf ul/Psf] 5 .

-v_ k'g{;d"xLs/0f tyf k'g{juL{s/0f (Regrouping and Reclassifi cation): ut jif{sf] /sdx?nfO{

cfjZostf cg';f/ k'g{;d"x s/0f tyf k'g{jlu{s/0f ul/Psf] 5 .

-u_ jf;nftsf] ldlt kZrft\ a}+ssf] ljQLo ljj/0fx?nfO{ k|efj kfg]{ ul/ s'g} klg dxTjk"0f{ 36gfx? a}+sdf

36]sf] 5}g .

-3_ d"Vo Joj:yfksLo kbflwsf/Lx?sf] tnj eQf tyf ;'ljwf M

ljj/0f ;~rfns -?_ckn]vg x'g aF“sL /sdx?

-?_

kfl/>lds tyf eQf 559,000 2,407,000

cjsfz ;'ljwf -o; jif{sf] Joj:yf_ 125,616

hDdf 559,000559,000 2,532,6162,532,616

yk ;'rgfx?M -s_ ;~rfns ;ldlt a}7s jfkt ;ldltsf cWoIfnfO{ ?= $,%)).– / cGo ;b:ox?nfO{ k|lt a}7s ?= $,))).–

a}7s eQf lbg] ul/Psf] 5 .

@)= g]kfn /fi6« a}+såf/f hf/L lgb]{lzsf adf]lhd k"“hL j[l4 ug{'kg]{ ePsf]n] o; j}+sn] ldlt @)&#–!@–)$ df MOU u/L ;]~r'/L sd{l;{on a}+s lnld6]8;“u ufleO{ ;+o'Qm ?kdf sf/f]jf/ ;+rfng ug{] ePsf] 5 .

jflif{s k|ltj]bg @)&#÷&$ 147147

qm= ;+=


cGtu{t kg]{

z]o/wgLsf] gfd



s}lkmots'n lsQf

;+Vof

s'n r''Qmf

k"“hLsf]

k|ltzt

shf{ lnPsf]

cGo a}+s÷

ljlQo ;:+yfsf]

gfd

shf{ /sd

lwtf]df /x]sf]

z]o/ lsQf

;++Vof

1 ls/0f s'df/ >]i7 31,437 2.66 hgtf a}+s ln= 15,000,000 41,300 ;j{;fwf/0f (*^# lsQf

;d]t

2 /ljgsfhL knfGrf]s] 12,274 0.76 n'lDagL ljsf;

a}+s ln=

1,600,000 16,124 ;j{;fwf/0f #*%) lsQf

;d]t

3

4

5

6

7

8

9

10

11

;+: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/0f


@)&$ ;fn cfiff9 d;fGtcg';"rL $=#$


Alpine Development Bank LimitedComparison of Unaudited and Audited Financial Statement as of F.Y 2073-74

Schedule 4.35

Rs. in '000'

S.N Par culars


Statement"


Statement"

Variance"Reason For

Variance" In Amount In %

1 Total Capital and Liabili es (1.1 to 1.7) 2,372,898 2,338,172 (34,726) (1.49)

1.1 Paid up Capital 260,075 319,907 59,832 0.19

1.2 Reserve and Surplus 104,978 45,318 (59,660) (131.65) Result of adjustment in PL

1.3 Debenture and Bond 1.4 Borrowings

1.5 Deposits (a+b) 1,934,532 1,934,532 a. Domes c currency 1,934,532 1,934,532

b. Foreign Currency

1.6 Income Tax Liability

1.7 Other Liabili es 73,313 38,415 (34,898) (90.84) Provision for gratuity and leave , Change in Presenta on

2 Total Assets (2.1 to 2.7) 2,372,898 2,338,172 2,912 0.12

2.1 Cash and Bank Balance 749,479 749,479

2.2 Money at call and Short no ce

2.3 Investments 2,121 2,117 (4) Provision for loss adjusted

2.4 Loans and Advances 1,568,723 1,531,085 (37,638.00) Audit adjustments of provision

2.5 Fixed Assets 14,001 13,432 (569) (4.24) Change in presenta on

2.6 Non Banking Assets 2.7 Other Assets 38,574 42,059 3,485 8.29 Change in Presenta on and

Adjustments

3 Profi t and Loss Account

3.1 Interest Income 243,577 243,577 0.00 Bank interest booked

3.2 Interest Expenses 110,209 110,209 0.00 Adjustment made a er year end and Change in Presenta on and Adjustments

A. Net Interest Income (3.1 to 3.2) 133,368 133,368 0.00

3.3 Fees Commission and Discount 3,525 3,524 (1)

3.4 Other Opera ng Income 16,777 16,777 0.00

3.5 Foreign Exchange Gain/Loss (Net) 40 40

B. Total Opera ng Income (A+3.3+3.4+3.5) 153,710 153,709 (1) 0.00

3.6 Staff Expenses 23,848 24,018 170 0.71 Audit adjustments to incorporate new provisions.

3.7 Other Opera ng Expenses 26,916 27,772 856 3.08 Change in Presenta on and Adjustments

C. Opere ng Profi t before Provision (B-3.6-3.7) 102,946 101,919 (1,027) (1.01)

3.8 Provision For Possible Losses 4,993 4,332 (661) (15.26) Audit Adjustments

D. Opera ng Profi t (C-3.8) 97,953 97,587 (366) (0.38)

3.9 Non-Opera ng Income/Expenses (Net) 586 586

3.10 Write Back of Provision For Possible Loss 0 Adjustment made a er year end and Change in Presenta on and Adjustments

E. Profi t From Regular Ac vi es (D+3.9+3.10) 98,539 98,173 (366) (0.37)

3.11 Extra Ordinary Income/Expenses (Net)

F. Profi t Before Bonus and Taxes (E+3.11) 98,539 98,173 (366) (0.37)

3.12 Provision For Staff Bonus 8,958 8,925 (33) (0.37) Change in Profi t and Adjustments

3.13 Provision For Tax 26,874 26,763 (111) (0.41) Change in Profi t and Adjustments

G. Net Profi t/Loss (F-3.12-3.13) 62,707 62,485 (222) (0.36)

jflif{s k|ltj]bg @)&#÷&$ 149149

jflif{s k|ltj]bg @)&#÷&$ 151151

;]tL kmfOgfG; lnld6]8sf]ljQLo ljj/0fcf=j= @)&#÷&$

ldlt @)&$÷)*÷@$ ut] b]lv ;]~r'/L sdl;{on a}+s ln= df ;dflxt

jflif{s k|ltj]bg @)&#÷&$ 153153

;]tL kmfOgfG; lnld6]86Lsfk'/, s}nfnL


k"“hL tyf bfloTj cg';"rL o; jif{ -?=_ ut jif{ -?=_ != z]o/ kF"hL 4.1 163,190,414.00 69,163,200.00 @= hu]8f tyf sf]ifx? 4.2 14,343,384.44 11,202,509.31 #= C0fkq tyf j08 4.3 $= ltg{ afFsL shf{ ;fk6 4.4 %= lgIf]k bfloTj 4.5 381,725,667.84 265,111,808.62 ^= e'QmfgL lbg' kg]{ ljnx? 4.6 &= k|:tfljt gub nfefFz 316,387.81 *= cfos/ bfloTj 430,437.15 9,739.47 (= cGo bfloTj 4.7 8,143,312.50 8,814,506.35 s'n k"“hL tyf bfloTj 567,833,215.93 567,833,215.93 354,618,151.56 354,618,151.56

;DklQ cg';"rL o; jif{ -?=_ ut jif{ -?=_ != gub df}Hbft 4.8 4,440,764.24 2,234,252.41 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.9 160,329.00 160,329.00 #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4.10 210,205,769.18 90,850,201.91 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4.11 %= nufgL 4.12 100,000.00 100,000.00 ^= shf{ ;fk6 tyf ljN; v/Lb 4.13 340,728,464.52 252,305,083.04 &= l:y/ ;DklQ -v"b_ 4.14 5,729,955.99 5,353,577.00 *= u}/ a}+lsË ;DklQ 4.15 (= cGo ;DklQ 4.16 6,467,933.00 3,614,708.20 s'n ;DklQ 567,833,215.93 567,833,215.93 354,618,151.56 354,618,151.56

;Defljt bfloTjx? cg';"rL cg';"rL $=!& $=!&



hf]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL cg';"rL $=#) -s_ $=#) -s_





pdf k|;fb pkfWofolgldQ k|d'v sfo{sf/L clws[t

led axfb'/ /fjn;++rfns

g/ axfb'/ /fjncWoIf

s]z/ axfb'/ s'Fj/;++rfns

lbg]z s'df/ zfx ;++rfns

sdn /fh hf]zL ;++rfns

9ljGb| /fjn ;++rfns

ldlt M @)&$÷(÷!!:yfg M l6sfk'/, s}nfnL

cfhsf] ldltsf] ;+nUg k|ltj]bgsf] cfwf/df .

l;=P= hulbz v8\sf

k|f]k|fO6/

s]= h]= P08 P;f]l;P6\;

rf6{8{ PsfpG6]G6\;



gfkmf ÷ gf]S;fg lx;fjldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd


!= Aofh cfDbfgL $=!* 52,614,403.02 39,102,833.33

@= Aofh vr{ $=!( 20,070,185.24 17,934,195.00

v'b Jofh cfDbfgL 32,544,217.78 32,544,217.78 21,168,638.33 21,168,638.33

#= sldzg tyf l8:sfp06 $=@) 368,070.36 237,579.70

$= cGo ;~rfng cfDbfgL $=@! 5,825,865.57 2,842,701.00

%= ;6xL 36j9 cfDbfgL $=@@

s'n ;~rfng cfDbfgL 38,738,153.71 38,738,153.71 24,248,919.03 24,248,919.03

^= sd{rf/L vr{ $=@# 8,425,145.09 5,511,006.21

&= cGo ;~rfng vr{ $=@$ 4,421,620.35 3,471,591.97

*= ;6xL 36j9 gf]S;fg $=@@

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 25,891,388.27 25,891,388.27 15,266,320.85 15,266,320.85

(= ;Defljt gf]S;fgL Joj:yfx? $=@% 4,219,117.78 3,314,977.03

;~rfng d'gfkmf 21,672,270.49 21,672,270.49 11,951,343.82 11,951,343.82

!)= u}/ ;~rfng cfDbfgL ÷ vr{ $=@^ 1,300.00

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@&

lgoldt sf/f]jf/jf6 ePsf] d'gfkmf 21,673,570.49 21,673,570.49 11,951,343.82 11,951,343.82


;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 21,673,570.49 21,673,570.49 11,951,343.82 11,951,343.82

!#= sd{rf/L af]g; Joj:yf 1,970,324.59 1,086,485.80

!$= cfos/ Joj:yf 5,975,170.77 5,975,170.77 3,409,044.83 3,409,044.83

o; jif{sf] s/ Joj:yf 6,430,437.15 3,309,739.47

ljut jif{;Ddsf] s/ Joj:yf

o; jif{sf] :yug s/ cfDbfgL ÷ vr{ 455,266.38 (99,305.36)

v'b gfkmf ÷ gf]S;fg 13,728,075.13 13,728,075.13 7,455,813.19 7,455,813.19




g/ axfb'/ /fjncWoIf




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k|f]k|fO6/

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jflif{s k|ltj]bg @)&#÷&$ 155155



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gfkmf÷gf]S;fg af“8kmf“8 lx;faldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd

ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_ cfDbfgL != ut jif{;Ddsf] ;+lrt d'gfkmf 362,705.33 325,937.23 @= o; jif{sf] d'gfkmf 13,728,075.13 7,455,813.19 #= ;6xL 36a9 sf]if hDdf 14,090,780.46 14,090,780.46 7,781,750.42 7,781,750.42 vr{ != ut jif{;Ddsf] ;+lrt gf]S;fg @= o; jif{sf] gf]S;fg #= ;fwf/0f hu]8fsf]if 2,745,615.03 1,491,162.64 $= e}k/L cfpg] hu]8f %= ;+:yf ljsf; sf]if ^= nfef+z ;dLs/0f sf]if &= sd{rf/L tflnd sf]if 165,418.31 *= k|:tfljt gub nfef+z -s/ ;dfof]hg_ 316,387.81 (= k|:tfljt af]g; z]o/ 10,587,200.00 5,710,800.00 !)= ljz]if hu]8f sf]if !!= ;6xL 36j9 sf]if !@= k'FhL lkmtf{ hu]8f sf]if !#= k'FhL ;dfof]hg sf]if !$= :yug s/ hu]8f 455,266.38 (99,305.36) !%= ;+:yfut ;fdflhs pQ/bfloTj sf]if 137,280.75 hDdf 14,090,780.46 14,090,780.46 7,419,045.08 7,419,045.08 !^= ;l~rt d'gfkmf ÷ -gf]S;fg_ 362,705.33 362,705.33

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jflif{s k|ltj]bg @)&#÷&$ 157157


gub k|jfx ljj/0f ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd

l;=g ljj/0f o; jif{ ?= ut jif{ ?= -s_ sf/f]af/ ;~rfngaf6 gub k|jfx 39,219,034.91 39,219,034.91 (14,187,882.60) (14,187,882.60)!= gub k|flKt 58,809,638.95 58,809,638.95 42,183,114.03 42,183,114.03

1.1 Aofh cfDbfgL 52,614,403.02 39,102,833.33 1.2 sldzg tyf l8isfpG6 cfDbfgL 368,070.36 237,579.70 !=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL !=$ ckn]lvt shf{sf] c;'nL !=% cGo cfDbfgL 5,827,165.57 2,842,701.00 @= gub e'QmfgL 44,677,360.81 44,677,360.81 30,010,532.72 30,010,532.72

2.1 Aofh vr{ 20,070,185.24 17,852,786.00 2.2 sd{rf/L vr{ 8,425,145.09 5,322,016.21 2.3 sfof{no ;~rfng vr{ 3,982,848.64 2,210,072.44 2.4 cfos/ e'QmfgL 6,009,739.47 3,809,892.72 2.5 cGo vr{ 6,189,442.37 815,765.35

sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx 14,132,278.14 14,132,278.14 12,172,581.31 12,172,581.31 ;~rfng ;DalGw rfn' ;DklQdf sdL÷-j[l4_ (91,276,606.28) (91,276,606.28) (73,946,791.92) (73,946,791.92)

1. dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ 2. cGo cNksflng nufgLdf sdL÷-j[l4_ 3. shf{ tyf ljN; vl/bdf sdL÷-j[l4_ (88,423,381.48) (76,826,383.78)4. cGo ;DklQdf sdL÷-j[l4_ (2,853,224.80) 2,879,591.86

;~rfng ;DalGw rfn' bfloTjdf -sdL_÷j[l4 116,363,363.05 116,363,363.05 47,586,328.02 47,586,328.02 1. lgIf]k bfloTjdf -sdL_÷j[l4 116,613,859.22 47,290,538.64 2. ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 3. cNksflng ;fk6Ldf -sdL_÷j[l4 $. cGo bfloTjdf -sdL_÷j[l4 (250,496.17) 295,789.38

-v_ nufgL sf/f]jf/df gub k|jfx (780,582.00) (780,582.00) (573,425.12) (573,425.12)1. lb3{sflng nufgLdf sdL÷-j[l4_ 2. l:y/ ;DklQdf sdL÷-j[l4_ (780,582.00) (573,425.12)3. lb3{sflng nufgLdf Aofh cfDbfgL 4. nfef+z cfDbfgL 5. cGo -u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx 83,123,626.19 83,123,626.19 (431,711.91) (431,711.91)1. lb3{sflng C0f -a08, l8j]Gr/ cflb_ df j[l4÷-sdL_

2. z]o/ k"FhLdf j[l4÷-sdL_ 83,440,014.00 3. cGo bfloTjdf j[l4÷-sdL_ (316,387.81) (431,711.91)4. g]kfn /fi6« a}Íaf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_ -3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 121,562,079.10 121,562,079.10 (15,193,019.63) (15,193,019.63)-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 93,244,783.32 93,244,783.32 108,437,802.95 108,437,802.95 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 214,806,862.42 214,806,862.42 93,244,783.32 93,244,783.32



g/ axfb'/ /fjncWoIf




9ljGb| /fjn ;++rfns



l;=P= hulbz v8\sf

k|f]k|fO6/

s]= h]= P08 P;f]l;P6\;

rf6{8{ PsfpG6]G6\;



z]o/ k"“hL tyf :jfldTj@)&$ ;fn cfiff9 d;fGt

cg';"rL $=!


!= z]o/ k"“hL

!=! clws[t k"FhL 170,000,000.00 160,000,000.00 s_ !&,)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 170,000,000.00 160,000,000.00 v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========= n]


!=@ hf/L k"FhL 158,631,000.00 63,452,400.00 s_ !,%*^,#!) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 158,631,000.00 63,452,400.00 v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========= n] u_ ========= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========== n]

!=# r'Qmf k"FhL 152,603,214.00 63,452,400.00 s_ !,%@^,)#@=!$ ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 152,603,214.00 63,452,400.00 v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========= n] u_ ========= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ========== n]

!=$ k|:tfljt af]g; z]o/ 10,587,200.00 5,710,800.00 !=% sN; Og P8efG;

hDdf -!=#±!=$±!=%_ 163,190,414.00 163,190,414.00 69,163,200.00 69,163,200.00 \



% z]o/ k"“hL % z]o/ k"“hL!= :jb]zL :jfldTj

!=! g]kfn ;/sf/ !=@ æsÆ ju{sf Ohfhtkqk|fKt

;+:yfx?


!=$ cGo ;++:yfx? !=% ;j{;fwf/0f 47.08 71,852,113.00 51 32,360,724.00

!=^ cGo -;+:yfks_ 52.92 80,751,101.00 49 31,091,676.00 @= j}b]lzs :jfldTj

hDdf 100100 152,603,214.00 152,603,214.00 100100 63,452,400.00 63,452,400.00 gf]6 M– dfly cg';'lrdf pNn]lvt ljj/0f cGt{ut )=% k|ltzt jf ;f] eGbf j9L :jfldTj ePsf] JolQm÷;d'x÷kmd÷sDkgL eP, lghx?sf] gfd, k|ltzt / /sd :ki6

v'nfpg' kg]{5 . k|ltzt pNn]v ubf{ z]o/ ;+Vofsf] cfwf/df u0fgf ug'{ kg]{5 .

jflif{s k|ltj]bg @)&#÷&$ 159159

qm=;+= ljj/0fo; jif{ /sd ?= ut jif{ /sd ?=

% z]o/ k"“hL % z]o/ k"“hL1. d+un axfb'/ zfx 1.13% 713,800.00 2. /0f axfb'/ /fjn 0.50% 317,200.00 3. s[i0f axfb'/ wfdL 0.88% 555,200.00 4. /fh]Gb| axfb'/ a'9f 0.54% 823,900.00 0.50% 317,200.00 5. gj/fh /fjn 1.13% 713,800.00 6. lszf]/L z/0f zdf{ 0.50% 317,200.00 7. rqmkf0fL ;fksf]6f 0.51% 782,700.00 1.19% 753,400.00 8. g]q k|;fb hf]zL 0.50% 317,200.00 9. nlnt h+u zfx 0.50% 317,300.00

10. ;Ltf /fd l/dfn 0.75% 475,800.00 11. s]z/ axfb'/ /fjn 0.88% 555,200.00 12. aaL /fjn 0.50% 317,200.00 13. ?b| l;+x b]pjf 0.50% 317,200.00 14. k|]d /fd rkfO{ 0.50% 317,200.00 15. ;/:jtL b]aL s'j/ 1.13% 713,800.00 16. v]d /fh h};L 0.50% 317,200.00 17. d]gsf /fjn -;'jfn_ 0.50% 317,200.00 18. kz'{ /fd rkfO{ 1.30% 1,977,500.00 3.00% 1,903,500.00 19. >L v8s jxfb'/ /fjn 5.53% 8,437,000.00 5.75% 3,648,500.00 20. >L >j0f /fjn 2.91% 4,441,300.00 6.74% 4,275,100.00 21. >L 6+s jxfb'/ /fjn 3.00% 4,579,500.00 3.00% 1,903,500.00 22. >L Zofdnfn cu|jfn 1.32% 2,013,700.00 1.25% 793,100.00 23. >L v]d/fh Gof}kfg] 1.00% 634,500.00 24. x]d axfb'/ :jfF/ 0.81% 1,236,000.00 0.75% 475,800.00 25. sx/l;+x /fjn 0.50% 317,200.00 26. pzf /]UdL 0.72% 459,400.00 27. pk]Gb| /fjn 0.59% 374,300.00 28. sfzL/fd cu|jfn 0.90% 1,375,900.00 0.83% 529,800.00 29. z'/]z jxfb'/ v8sf 0.63% 398,100.00 30. sdg l;+x v8\sf 0.67% 1,024,100.00 31. uf}/L >]i7 0.98% 1,500,000.00 32. g/ axfb'/ /fjn 1.00% 1,526,100.00 33. sdg l;+x v8\sf 3.69% 5,625,000.00 34. xl/ cf]d dsfh' 0.66% 1,000,000.00 35. ;ljgf >]i7 0.93% 1,421,200.00 36. lji0f' k|;fb cof{n 1.05% 1,606,700.00 37. cfnf]s cu|jfn 0.59% 893,500.00 38. cnsf uf]Pn 0.62% 946,800.00 39. lty{ /fh a:g]t 0.81% 1,230,100.00 40. /fd s[i0f ltjf/L 0.51% 780,000.00 41. cgdf]n >]i7 0.63% 956,500.00

hDdf 0.290.29 44177500.0044177500.00 36.82%36.82% 23,365,900.00 23,365,900.00

;]tL kmfOgfG; lnld6]8sf] )=%Ü jf ;f] eGbf a9L z]o/ lng] z]o/wgLx?sf] ljj/0fcg';"rL $=! -s_




cg';"rL $=@


!= ;fwf/0f ÷ a}wflgs hu]8f sf]if 13,528,722.01 10,783,106.98 @ k'FhLut hu]8f sf]if #= k"FhL lkmtf{ hu]8f sf]if $= k"FhL ;dfof]hg sf]if %= cGo hu]8f tyf sf]if

%=! e}k/L cfpg] hu]8f %=@ ;+:yf ljsf; sf]if %=# nfef+z ;lds/0f sf]if %=$ ljz]if hu]8f sf]if % % ;DklQ k"gd'{NofÍg sf]if %=^ :yug s/ hu]8f 511,963.38 56,697.00 %=& cGo :jtGq sf]if %=* cGo hu]8f sf]if

^= ;l~rt gfkmf÷gf]S;fg 362,705.33 &= ;6xL 36a9 sf]if *= sd{rf/L tflnd sf]if 165,418.31 (= ;+:yfut ;fdflhs pQ/bfloTj sf]if 137,280.75

hDdf 14,343,384.44 14,343,384.44 11,202,509.31 11,202,509.31

jflif{s k|ltj]bg @)&#÷&$ 161161



cg';"rL $=#





@= ======= k|ltzt a08÷C0fkq k|lt a08÷C0fkq ===== ?= n]=====



#= ====================

hDdf -!±@±#_ \


cg';"rL $=$


s= :jb]zL

!= g]kfn ;/sf/

@= g]kfn /fi6« a}+s

#= l/kf] bfloTj



^= cGo

hDdf

v= ljb]zL

!= a}+sx?

@= cGo

hDdf

hDdf -s+v_




cg';"rL $=%


!= Aofh ltg'{ gkg]{ vftfx? s rNtL lx;fa != :jb]zL d'b|fdf

!=! g]kfn ;/sf/ !=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? !=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx?

!=$ cGo ;+ul7t ;+:yfx? !=% JolQmut !=^ cGo

@= ljb]zL d'b|fdf @=! g]kfn ;/sf/

@=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx?

@=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx?

@=$ cGo ;+ul7t ;+:yfx? @=% JolQmut @=^ cGo

v dflh{g != sd{rf/L hdfgt

@= hdfgt dflh{g #= k|lttkq dflh{g u cGo != :jb]zL d'b|fdf

!=! ljQLo ;+:yfx?


!=# JolQmut

@= ljb]zL d'b|fdf

@=! ljQLo ;+:yfx?


@=# JolQmut

Aofh ltg'{ gkg]{ vftfx?sf] hDdf

qmdz=======

jflif{s k|ltj]bg @)&#÷&$ 163163



cg';"rL $=%

ljj/0f o; jif{ ?= ut jif{ ?= @= Aofh ltg'{ kg]{ vftfx? s art lx;fa 274,697,937.84 274,697,937.84 168,848,853.62 168,848,853.62 !=!= :jb]zL d'b|fdf 274,697,937.84 274,697,937.84 168,848,853.62 168,848,853.62

!=! ;+3 ;+:yfx? 150,629,979.84 53,951,983.21 !=@ JolQmut 124,067,958.00 114,896,870.41 !=# cGo @=@= ljb]zL d'b|fdf

@=! ;+3 ;+:yfx? @=@ JolQmut @=# cGo v= d'2tL lx;fa 107,027,730.00 107,027,730.00 96,262,955.00 96,262,955.00 !=!= :jb]zL d'b|fdf 107,027,730.00 107,027,730.00 96,262,955.00 96,262,955.00

!=! ;+3 ;+:yfx? 60,775,505.00 52,620,505.00 !=@ JolQmut 46,252,225.00 43,642,450.00 !=# cGo @=@= ljb]zL d'b|fdf

@=! ;+3 ;+:yfx? @=@ JolQmut @=# cGo u= dfu]sf] avt ltg'{ kg]{ lx;fa !=!= :jb]zL d'b|fdf

!=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? !=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx? !=# cGo ;+ul7t ;+:yfx? !=$ JolQmut !=% cGo @=@= ljb]zL d'b|fdf

@=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? @=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx? @=# cGo ;+ul7t ;+:yfx? @=$ JolQmut @=% cGo 3= ;l6{lkms]6 ckm l8kf]lh6 != ;+ul7t ;+:yf @= JolQmut #= cGo

Aofh ltg'{ kg]{ vftfx?sf] hDdf 381,725,667.84 381,725,667.84 265,111,808.62 265,111,808.62 -!±@_ hDdf lgIf]k 381,725,667.84 381,725,667.84 265,111,808.62 265,111,808.62






hDdf


ljj/0f o; jif{ ?= ut jif{ ?= != k]G;g÷pkbfg sf]if 166,287.66 @= sd{rf/L ;~ro sf]if #= sd{rf/L sNof0f sf]if 18,117.21 378,117.21 $= sd{rf/L af]g; Joj:yf 2,063,245.89 1,086,485.80 %= lgIf]kdf e'QmfgL lbg afFsL Aofh 893,603.00 1,603,413.00 ^= ;fk6Ldf e'QmfgL lbg afFsL Aofh &= kfsL g;s]sf] l8:sfp06 / sldzg *= ;G8«L qm]l86;{ 825,688.50 1,591,311.28 (= zfvf ldnfg lx;fj 1,713,462.10 63,000.00

!)= :yug s/ bfloTj !!= e'QmfgL lbg afFsL nfef+z 170,878.50 2,011,708.75 !@= cGo 2,458,317.30 1,914,182.65

hDdf 8,143,312.50 8,143,312.50 8,814,506.35 8,814,506.35


ljj/0f o; jif{ ?= ut jif{ ?= != :jb]zL d'b|f -l;Ssf ;d]t_ 4,438,444.24 2,228,572.41 @= ljb]zL d'b|f 2,320.00 5,680.00

hDdf 4,440,764.24 4,440,764.24 2,234,252.41 2,234,252.41




!= g]kfn /fi6« a}+s

s= rNtL vftf 160,329.00 160,329.00 160,329.00 v= cGo vftf

hDdf 160,329.00 160,329.00 160,329.00 160,329.00 160,329.00 160,329.00

jflif{s k|ltj]bg @)&#÷&$ 165165





!= :jb]zL Ohfhtkq

k|fKt ;+:yfx? 210,205,769.18 210,205,769.18 210,205,769.18 210,205,769.18 90,850,201.91 90,850,201.91

s= rNtL vftf 210,205,769.18 210,205,769.18 90,850,201.91 v= cGo vftf @= ljb]zL a}+sx? s= rNtL vftf v= cGo vftf

hDdf 210,205,769.18 210,205,769.18 210,205,769.18 210,205,769.18 90,850,201.91 90,850,201.91

dfu tyf cNk;"rgfdf k|fKt x'g] /sdx? @)&$ ;fn cfiff9 d;fGt cg';"rL $=!!

ljj/0f o; jif{ ?= ut jif{ ?= != :jb]zL d'b|f @= ljb]zL d'b|f

hDdf


ljj/0f k|of]hg


!= g]kfn ;/sf/sf] 6«]h/L ljn @= g]kfn ;/sf/sf] artkq #= g]kfn ;/sf/sf] cGo C0fkq $= g]kfn /fi6« a}+s C0fkq %= ljb]zL C0fkq ^= :jb]zL Ohfhtkq k|fKt ;+:yf &= ljb]zL a}+s *= ;+ul7t ;+:yfx?sf] z]o/ 100,000.00 100,000.00 100,000.00 (= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf a08

!)= cGo nufgL s'n nufgL 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 Joj:yf v'b nufgL 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00 100,000.00




ljj/0f k/n df]n

?=

ahf/ d'No

cg';f/ ?=

Joj:yf

/sd ?=

o; jif{

?=

ut jif{

?=

!= z]o/ nufgL !=! g]kfn lslnol/«ª+ xfp; sDkgL -k|f=ln=÷ln=_

!))) ;fwf/0f z]o/, k|lt z]o/ ? !)) n] r"Qmf

100,000 100,000

!=@ ====== sDkgL -k|f=ln=÷ln=_ ======;fwf/0f z]o/ -dWo]===jf]g;

;d]t_ k|lt z]o/====n] r"Qmf

!=# ====== sDkgL -k|f=ln=÷ln=_ ====== k|ltzt ==== lk|km/]G;

z]o/ k|lt z]o/ ¿= ===== n] r"Qmf

@= l8j]Gr/ tyf a08 nufgL

@=! ===== sDkgL -k|f=ln÷ln=_====== k|ltzt l8a]Gr/÷j08 k|lt

l8j]Gr/÷a08 ===== ¿= n]

@=@ ===================

@=# ==================

s'n nufgL 100,000100,000 100,000 100,000 #= hf]lvd ;DaGwL Joj:yf

#=! ut jif{ ;Ddsf] Joj:yf

#=@ o; jif{sf] yk÷36

s'n Joj:yf

v'b nufgL 100,000100,000 100,000100,000

jflif{s k|ltj]bg @)&#÷&$ 167167


Jofkfl/s nufgL (Held for Trading) @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@=!

ljj/0f k/n

d'No

kl5Nnf]

ahf/

d'No -s_

xfnsf]

ahf/

d'No -v_

o; jif{

gfkmf÷

-gf]S;fg_

/sd -v–s_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot

1. g]kfn ;/sf/sf] 6«]h/L ljn 2. g]kfn ;/sf/sf] art kq 3 . g]kfn ;/sf/sf] cGo C0fkq 4. g]kfn /fi6« a}+s C0fkq 5. ljb]zL C0fkq 6 . :jb]zL O{hfhtkq k|fKt ;+:yfsf] z]o/ 7 . :jb]zL O{hfhtkq k|fKt ;+:yfsf] l8j]Gr/ tyf a08 8 . :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 9. ljb]zL a}+s nufgL (Placement) 10. cGt/ a}+s ;fk6L (Inter Bank Lending) 11. cGo nufgL

s'n nufgL

e'QmfgL ldlt ;Dd wf/0f ug]{ nufgL (Held to Maturity) @)&$ ;fn cfiff9 d;fGt cg';"rL $=!@=@

ljj/0f k/n d'No

-s_

xfn;Ddsf]

Iflt /sd

-v_

o;

jif{sf]

Iflt

/sd

-u_

o; jif{

gfkmf÷

-gf]S;fg_

/sd

-s–v–u_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot

1. g]kfn ;/sf/sf] 6«]h/L ljn 2. g]kfn ;/sf/sf] art kq 3. g]kfn ;/sf/sf] cGo C0fkq 4. g]kfn /fi6« a}+s C0fkq 5. ljb]zL C0fkq 6. :jb]zL O{hfht kq k|fKt ;+:yfsf] z]o/ 7. :jb]zL O{hfht kq k|fKt ;+:yfsf] l8j]Gr/ tyf a08 8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 9. ljb]zL a}+s nufgL (Placement) 10. cGo nufgL

s'n nufgL



laqmLsf] nflu pknAw nufgL@)&$ ;fn cfiff9 d;fGt

cg';"rL $=!@=#

ljj/0f k/n d'No

kl5Nnf]

ahf/

d'No

-s_

xfnsf]

ahf/

d'No

-v_

o; jif{{ sf]if

;dfof]hg

/sd

-v–s_

ut jif{

gfkmf÷

-gf]S;fg_

/sd

s}lkmot


2. g]kfn ;/sf/sf] art kq



5. ljb]zL C0fkq

6. :jb]zL Ohfht kq k|fKt ;+:yfsf] z]o/

7. :jb]zL Ohfht kq k|fKt ;+:yfsf] l8j]Gr/ tyf a08

8. :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 100,000.00


10. cGo nufgL s'n nufgL 100,000.00 100,000.00

jflif{s k|ltj]bg @)&#÷&$ 169169;

]tL k

mfOg

fG;

lnld

6]86Lsfk'/, s

}nfn

L

sh

f{, ;

fk6

ty

f lan

vl/

b j

uL{s

/0f /

;f]s

f] nflu

Jo

j:y

f

@)&$

;fn

cfiff9 d

;fGt

cg';"rL $=!#

ljj/

0f

shf{

vl/b

tyf l8

isfp

G6 u

l/Ps

f] laN;

o; j

if{ ut

jif{

?=

:jb

]zL

ljb]z

L h

Ddf

:jb

]zL

ljb

]zL

hDd

f ljk

Gg j

u{ c

Go

ljld

t c

ljld

t

!= ;lqmo s

hf{ ;fk6

(Per

form

ing

loan

)

339

,018

,345.

70

339

,018

,345.

70

339

,018

,345.

70

339

,018

,345.

70

339

,018

,345.

70

339

,018

,345.

70 2

50,8

00,5

38.1

8

250

,800

,538

.18

!=!

c;n

322

,183

,802

.70

322,

183,

802

.70

322

,183,

802

.70

235

,490

,893

.07

!=@

;'Id

lgu/fgL

16,

834

,543.

00

16,

834

,543.

00

16,

834

,543.

00

15,

309,

645.

11

@= lgl:qmo

shf{ ;fk6

(Non

Per

form

ing

loan

)

1

2,68

4,1

50.9

7

1

2,68

4,1

50.9

7

1

2,68

4,1

50.9

7 8

,259

,458

.80

@=!

k'g/;

+/rgf÷

k'gtf{ln

sLs

/0f

@=@

sd;n

4,8

12,0

46.

00 4

,812

,046.

00 4

,812

,046.

00 4

,450

,910

.80

@=@

z+sf:kb

4

,329

,299

.00

4,3

29,2

99.0

0

4

,329

,299

.00

2,2

67,3

13.0

0

@=#

v/fa

3,5

42,

805

.97

3,5

42,

805

.97

3,5

42,

805

.97

1,5

41,

235.

00

-s_ s'n s

hf{ -! ±

@_

-! ±

@_

351,70

2,496

.67

351,70

2,496

.67

351

,702

,496

.67

351

,702

,496

.67

351

,702

,496

.67

351

,702

,496

.67

259

,059

,996

.98

259

,059

,996

.98

#= shf{ gf]S;fg

L Jo

j:y

f #=!

c;n

3,2

21,8

38.0

3

3

,221

,838

.03

3,2

21,8

38.0

3 2

,354

,908

.93

#=@

;'Id

lgu/fgL

841,

727.

15

841,

727.

15

841,

727.

15

612

,385.

80

#=#

k'g/;

+/rgf÷

k'gtf{ln

sLs

/0f

#=$ s

d;n

1,2

03,0

11.5

0

1

,203

,011

.50

1,2

03,0

11.5

0 1

,112

,727

.70

#=% z

+sf:kb

2

,164

,649.

50

2,1

64,6

49.

50

2,1

64,6

49.

50

1,1

33,6

56.5

0 #=^

v/fj

3,5

42,

805

.97

3,5

42,

805

.97

3,5

42,

805

.97

1,5

41,

235.

00

-v_ s'n Joj

:yf

10,

974,0

32.1

5 1

0,97

4,0

32.1

5

1

0,97

4,0

32.1

5 1

0,97

4,0

32.1

5

1

0,97

4,0

32.1

5 1

0,97

4,0

32.1

5 6

,754

,913

.94

6,7

54,9

13.9

4

$= ut j

if{;;Dd

sf] Jo

j:y

f $=! c

;n

2,3

54,9

08.9

3

2

,354

,908

.93

2,3

54,9

08.9

3 1

,770

,820

.87

$=@ ;

'Id lgu/fgL

612

,385.

80

612

,385.

80

612

,385.

80

34,8

57.3

2

$=# k

'g/;

+/rgf÷

k'g/t

f{lnsLs

/0f

$=$

sd;n

1,1

12,7

27.7

0

1

,112

,727

.70

1,1

12,7

27.7

0 4

36,2

14.2

1 $=%

z+sf:kb

1

,133

,656

.50

1,1

33,6

56.5

0

1

,133

,656

.50

465

,758

.50

$=^ v

/fj

1,5

41,

235.

00

1,5

41,

235.

00

1,5

41,

235.

00

732

,286.

00

-u_ ut j

if{;Dd

sf] s'n Joj:y

f

6

,754

,913

.94

6,7

54,9

13.9

4

6,7

54,9

13.9

4

6,7

54,9

13.9

4

6,7

54,9

13.9

4

6,7

54,9

13.9

4

3,4

39,9

36.9

1 3

,439

,936

.91

-3_ o; j

if{sf] Jo

j:y

faf6 lˆmtf{

475

,683.

33

475

,683.

33

475

,683.

33

475

,683.

33

475

,683.

33

475

,683.

33

201

,475

.04

201

,475

.04

-ª_ o;

jif{s

f] yk

Joj

:yf

4,6

94,8

01.5

4

4,6

94,8

01.5

4

4,6

94,8

01.5

4

3,5

16,4

52.0

7 o;

jif{s

f] v'b

yk÷36

4,2

19,1

17.7

8

4,2

19,1

17.7

8

4,2

19,1

17.7

8

3,314

,977

.03

v'b

shf{ -s

— v

_

3

47,

483,

378.8

9 3

47,

483,

378.8

9

34

7,483,37

8.8

9 34

7,483,37

8.8

9

34

0,72

8,4

64.5

2 34

0,72

8,4

64.5

2 2

52,305

,083.

04

252

,305

,083.

04




ljj/0f o; jif{ ?= ut jif{ ?= -s_ ;'/lIft 351,702,496.67 351,702,496.67 259,059,996.98 259,059,996.98 1. rn÷crn ;DklQsf] ;'/If0fdf 345,244,196.67 257,210,996.98 2. :jb]zL Ohfhtkq k|fKt ;+:yfsf] hdfgtdf 3. ;/sf/L hdfgtdf 4. cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf 5. lgof{t sfuhft (Export Document) sf] ;'/If0fdf 6. d'2tL /l;bsf] ;'/If0fdf

-s_ ;+:yfsf] cfkm\g} d'2tL /l;bsf] ;'/If0fdf 6,458,300.00 1,849,000.00 -v_ cGo Ohfhtkqk|fKt ;+:yfsf] d'2tL /l;bsf] ;'/If0fdf

7. ;/sf/L C0fkqsf] ;'/If0fdf 8. sfp06/ hdfgtdf 9. JolQmut hdfgtdf

10. cGo ;'/If0fdf -v_ c;'/lIft

hDdf -s + v_ 351,702,496.67 351,702,496.67 259,059,996.98 259,059,996.98


ljj/0f;DklQ

o; jif{ ?= ut jif{ ?=ejg kl/jxg ;fwg d]lzg/L sfof{no ;fdfg cGo

!= k/ndf]n

-s_ ut jif{sf] df}Hbft 174,890.94 474,665.31 1,282,830.12 91,251.83 2,023,638.20 1,450,213.08

-v_ o; jif{ yk 135,900.00 434,795.00 570,695.00 573,425.12


-3_ o; jif{sf] ljqmL

-ª_ o; jif{sf] ckn]vg

s'n -s±v±u±3±ª_ k/ndf]n 174,890.94 174,890.94 610,565.31 610,565.31 1,717,625.12 1,717,625.12 91,251.83 91,251.83 2,594,333.20 2,594,333.20 2,023,638.20 2,023,638.20

@= x|f; s§L

-s_ ut jif{;Ddsf] 97,132.18 252,419.62 584,937.07 27,571.76 962,060.63 616,306.45

-v_ o; jif{sf] 17,745.00 83,386.86 249,215.43 11,878.32 362,225.61 345,754.18


-3_ x|f;s§L /sd ;dfof]hg÷lkmtf{

s'n x|f;s§L 114,877.18 114,877.18 335,806.48 335,806.48 834,152.50 834,152.50 39,450.08 39,450.08

1,324,286.24 1,324,286.24 962,060.63 962,060.63

#= a's Eofn' -!–@_ 60,013.76 274,758.83 883,472.62 51,801.75 1,270,046.39 1,061,577.00

$= hUuf 4,292,000.00 4,292,000.00


^= nLh xf]N8 ;DklQ 167,909.60

hDdf -#±$±%±^_ 60,013.76 60,013.76 274,758.83 274,758.83 883,472.62 883,472.62 51,801.75 51,801.75 5,729,955.99 5,729,955.99 5,353,577.00 5,353,577.00

jflif{s k|ltj]bg @)&#÷&$ 171171


u}/ a+}ls· ;DklQ @)&$ ;fn cfiff9 d;fGt cg';"rL $=!%


u}/ a+}ls·

;DklQ ;sf/

u/]sf] ldlt

s'n u}/ a+}ls·

;DklQ /sd

-?=_


;DklQ -?=_

ut jif{

-?=_k|ltzt /sd -?=_

s'n hDdf



1. d;nGb df}Hbft 84,650.84 22,880.84

2. nufgLdf c;'n ug{ afFsL

cfDbfgL

3. shf{df c;'n ug{ afFsL Aofh 9,660,183.00 4,921,276.39

4. Go'gM Aofh d'NtjL /sd (9,660,183.00) (4,921,276.39)

5. c;'n ug{ afFsL sldzg

6. ;G8«L 8]A6;{ 3,857,306.00 1,183,279.83

7. sd{rf/L ;fk6L / k]ZsL 985,176.00 1,866,073.00

8. clu|d e'QmfgL 796,166.15 268,808.95

9. dfu{:y gub

10. dfu{:y cGo -r]s ;d]t_

11. ljgf ;'rgf 8«fk\m6sf] e'QmfgL

12. ckn]vg x'g afFsL vr{ 211,569.40

13. zfvf ldnfg lx;fa

14. gful/s nufgL sf]if 166,287.66

15. :yug s/ ;Dklt 511,963.38 56,697.00

16. cGo

clu|d cfos/ bflvnf cGo 21,101.23 21,101.23 50,680.92 50,680.92 hDdf 6,467,933.00 6,467,933.00 3,614,708.20 3,614,708.20



cGo ;DklQ -yk ljj/0f_ @)&$ ;fn cfiff9 d;fGt cg';"rL $=!^ -s_

ljj/0f o; jif{ ?=


dfly #

jif{;Dd

# jif{

eGbf

dfly

hDdf

!= shf{df c;'n ug{ afFsL Aofh 9,660,183.00 9,660,183.00 2,297,543.00 @= ljgf ;'rgf 8«fkm\6sf] e'QmfgL #= zfvf ldnfg lx;fa $= :jb]zL tyf ljb]zL Ph]]G;L lx;fa

hDdf 9,660,183.00 9,660,183.00 9,660,183.00 9,660,183.00 2,297,543.00 2,297,543.00

;Defljt bfloTjx? @)&$ ;fn cfiff9 d;fGt cg';"rL $=!&

ljj/0f o; jif{ ?= ut jif{ ?= != ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] @= k|lttkqx? -k"/f /sd_

-s_ ^ dlxgf eGbf sd cjlwsf] -v_ ^ dlxgf eGbf a9L cjlwsf]

#= k'gM l8:sfpG6 ul/Psf] lanx? $= Dofb gfl3 g;s]sf] Uof/]G6L÷a08

-s_ la8 a08 -v_ k/km/d]G; a08 -u_ cGo Uof/]G6L÷a08 500,000.00 500,000.00

%= r'Qmf jf e'QmfgL x'g afFsL z]o/ nufgL ^= km/jf8{ PS:r]~h sG6«fS6sf] afFsL bfloTjx? &= sn]S;gdf /x]sf lanx? *= d~h'/L tyf ;dy{g (Acceptance & Endorsement) (= k|Tofe'lt k|lta4tf (Underwriting Commitment)

!)= ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) !!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]G6Ldf lbPsf] Uof/]G6L !@= clu|d e'QmfgL Uof/]G6L (Advance Payment Guarantee) !#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) !$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) !%= =========================

hDdf 500,000.00 500,000.00 500,000.00 500,000.00

jflif{s k|ltj]bg @)&#÷&$ 173173


Aofh cfDbfgL ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=!*


s= shf{ ;fk6 / clwljsif{df 45,968,563.14 45,968,563.14 34,113,166.80 34,113,166.80 != shf{ ;fk6 45,968,563.14 34,113,166.80 @= clwljsif{ v= nufgLdf != g]kfn ;/sf/sf] ;'/If0fkq

-s_ 6«]h/L laN; -v_ ljsf; C0fkq -u_ /fli6«o artkq

@= ljb]zL C0fkq #= g]kfn /fi6« a}+ssf] C0fkq $= l8j]Gr/ tyf a08 %= cGt/ a}+s nufgLdf Aofh

-s_ :jb]zL a}+s÷ljQLo ;+:yfx? -v_ cGo ;+:yfx?

u= Ph]G;L df}Hbftdf != :jb]zL a}+s÷ljQLo ;+:yfx? @= ljb]zL a}+sx? 3= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf 6,645,839.88 6,645,839.88 4,989,666.53 4,989,666.53 != :jb]zL a}+s÷ljQLo ;+:yfx? 6,645,839.88 4,989,666.53 @= ljb]zL a}+sx? ª cGodf != ;l6{lkms]6 ckm l8kf]lh6 @= cGt/ a}+s÷ljQLo ;+:yf shf{ #= cGo

hDdf -s±v±u±3±ª_ 52,614,403.02 52,614,403.02 39,102,833.33 39,102,833.33




ljj/0f o; jif{ ?= ut jif{ ?=s= lgIf]k bfloTjdf 20,070,185.24 20,070,185.24 17,934,195.00 17,934,195.00 != d'2tL lgIf]k 10,755,481.00 10,755,481.00 8,724,168.00 8,724,168.00

!=! :jb]zL d'b|f 10,755,481.00 8,724,168.00 !=@ ljb]zL d'b|f

@= art lgIf]k 9,314,704.24 9,314,704.24 9,210,027.00 9,210,027.00 @=! :jb]zL d'b|f 9,314,704.24 9,210,027.00 @=@ ljb]zL d'b|f

#= dfu]sf] avt ltg'{kg]{ lgIf]k #=! :jb]zL d'b|f #=@ ljb]zL d'b|f

$= = ;l6{lkms]6 ckm l8kf]lh6;\;l6{lkms]6 ckm l8kf]lh6;\ v= shf{ ;fk6df != C0f tyf a08 @= g]kfn /fi6« a}+saf6 k|fKt shf{ #= cGt/ a}+s / ljQLo ;+:yf shf{ $= cGo ;+ul7t ;+:yf %= cGo shf{ u= cGodf

hDdf 20,070,185.24 20,070,185.24 17,934,195.00 17,934,195.00


ljj/0f o; jif{ ?= ut jif{ ?=s= laN; vl/b tyf l8:sfp06 != :jb]zL @= ljb]zL v= sldzg 368,070.36 368,070.36 237,579.70 237,579.70 != k|lttkq @= hdfgtkq 5,000.00 17,927.20 #= sn]S;g kmL $= /]ld6]G; kmL 351,013.87 209,387.20 %= qm]l86 sf8{ ^= z]o/ k|Tofe'lt÷lgisfzg &= ;/sf/L sf/f]af/ jfkt *= O=k|f= sldzg jfkt (= a§f cfDbfgL u= cGo 12,056.49 12,056.49 10,265.30 10,265.30

hDdf 368,070.36 368,070.36 237,579.70 237,579.70

jflif{s k|ltj]bg @)&#÷&$ 175175




!= ;]km l8kf]lh6 eN6sf] ef8f @= qm]l86 sf8{ lgisfzg tyf gjLs/0f #= Pl6Pd sf8{ lgisfzg tyf gjLs/0f $= 6]n]S;÷l6=l6= %= ;]jf z'Ns 3,264,615.00 2,579,100.00 ^= gjLs/0f z'Ns &= cGo 2,561,250.57 2,561,250.57 263,601.00 263,601.00

hDdf 5,825,865.57 5,825,865.57 2,842,701.00 2,842,701.00



-s_ ljlgdo b/df ePsf] km/saf6

-v_ ljb]zL d'b|f sf/f]jf/af6 -a§f afx]s_

hDdf cfDbfgL÷-gf]S;fg_



!= tna 4,198,387.59 3,607,442.90 @= eQf 2,036,477.41 1,470,219.00 #= ;~ro sf]ifdf yk 192,990.54 188,854.31 $= tflnd vr{ %= kf]zfs vr{ 71,000.00 55,500.00 ^= cf}ifwf]krf/ &= aLdf 8,175.55 *= k]G;g tyf pkbfg Joj:yf 1,918,114.00 188,990.00 (= cGo

hDdf 8,425,145.09 8,425,145.09 5,511,006.21 5,511,006.21



cGo ;~rfng vr{ ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@$


!= 3/ef8f 597,264.00 651,534.40 @= aQL lah'nL / kfgL 213,114.91 174,132.94 #= dd{t tyf ;Def/

-s_ ejg 1,680.00 2,580.00 -v_ ;jf/L ;fwg 2,855.00 -u_ cGo 116,059.41 87,287.00

$= aLdf 317,384.96 261,585.57 %= kf]i6]h, 6]n]S;, 6]lnkmf]g, km\ofS;, O{d]n 266,394.0 219,853.4 ^= sfof{no pks/0f kmlg{r/ / ;Def/ &= e|d0f eQf / vr{ 196,020.00 140,410.00 *= d;nGb / 5kfO{ 128,582.00 125,185.71 (= kqklqsf tyf k':ts 11,770.0 4,330.0

!)= lj1fkg tyf k|j{wg 111,107.00 58,814.00 !!= sfg'gL vr{ !@= rGbf÷;xof]u 25,000.00 14,000.00 !#= ;~rfns ;ldlt ;DaGwL vr{

-s_ a}7s eQf 206,400.00 137,000.00 -v_ cGo vr{ 113,561.00 96,614.80

!$= ;fwf/0f ;ef ;DaGwL vr{ 142,857.00 79,077.00 !%= n]vfk/LIf0f ;DaGwL vr{

-s_ n]vfk/LIf0f z'Ns 140,000.00 140,000.00 -v_ cGo vr{ 44,116.00 9,456.94

!^= /sd :yfgfGt/0f sldzg !&= :yL/ ;DklQdf x|f; s§L 362,225.61 345,754.18 !*= k"j{;~rfng vr{ ckn]vg !(= z]o/ lgisfzg vr{ ckn]vg 52,892.35 @)= lnh xf]N8 41,977.40 @!= k|fljlws ;]jf ;DaGwL vr{ 123,480.00 108,210.69 @@= Dfgf]/Ghg vr{ @#= cGo ckn]vg vr{ @$= ;'/Iff vr{ @%= shf{ ;"/If0f lk|ldod @^= sldzg / l8:sfpG6 @&= cGo 1,206,879.67 815,765.35

hDdf 4,421,620.35 4,421,620.35 3,471,591.97 3,471,591.97

jflif{s k|ltj]bg @)&#÷&$ 177177

;]tL kmfOgfG; lnld6]8

6Lsfk'/, s}nfnL



!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 4,219,117.78 3,314,977.03

@= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4



hDdf 4,219,117.78 4,219,117.78 3,314,977.03 3,314,977.03

u}/ ;~rfng cfDbfgL÷gf]S;fg ldlt @)&# ;fn >fj0f b]lv @)&$ ;fn cfiff9 d;fGt;Dd cg';"rL $=@^


!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_

#= nfef+z -v'b_



v= Aofh Ifltk"lt{

u= ;6xL sfp06/

%= cGo 1,300.00

v'b u}}/ ;~rfng cfDbfgL÷-gf]S;fg_ 1,300.00 1,300.00



!= shf{ gf]S;fgL Joj:yfaf6 lkmtf{

@= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lˆmtf{

#= nufgL Joj:yfaf6 lkmtf{


hDdf





!= ckn]vg ePsf] shf{sf] c;'nL @= :j]lR5s cjsfz vr{ #= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ $= cGo vr{÷cfDbfgL %= =========================

hDdf



ul/Psf]] /sd

lwtf]sf]

k|sf/

tyf /sd

lwtf]

d""Nofs+gsf]

cfwf/

shf{ :jLs[t

ug]{

clwsf/L÷tx

shf{

c;'nLsf

nflu eP

u/]sf k|of;

s}lkmot

!= rfn' kF"hL shf{

@= kl/of]hgf shf{

#= l:y/ kF"hL shf{

$= JolQmut shf{

%= cGo shf{

s'n shf{

jflif{s k|ltj]bg @)&#÷&$ 179179


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nufgLnfO{ nfut d'Nodf d"NofÍg u/L ;f]xL cg';f/ n]vfÍg ug]{ gLlt /x]sf] 5 .

;/sf/L C0fkq, lasf; C0fkq tyf 6«]h/L ljndf ePsf] nufgLnfO{ nfut d"Nodf n]vf+sg ug]{ gLlt /x]sf] 5 .

o; cf= j= sf] cGTodf sDkgLsf] o; lzif{s cGtu{t s'g} sf/f]jf/ g/x]sf] .

jflif{s k|ltj]bg @)&#÷&$ 185185

*= ;6xL 36a9 ;dfof]hg gLlt M o; ljlQo ;+:yfn] ef? Affx]s cGo ljb]zL d'b|fsf] sf/f]jf/ gug]{ x'gfn] ;6xL 36a9 ;dfof]hg th'{df u/]sf] 5}g .

(= shf{ tyf ;fk6sf] juL{s/0f M g]kfn /fi6« a}+sn] hf/L u/]sf] lgb]{zg adf]lhd q}dfl;s ?kn] aSof}tf /x]sf] shf{ ;fk6nfO{ juL{s/0f u/L shf{

gf]S;fgL Joj:yf ul/Psf] 5 . a}+sn] c;'n x'g] g;Sg] shf{x?sf] ckn]vg ubf{ g]kfn /fi6« a}+sn] hf/L u/]sf] lgb]{zgsf]

clwgdf /lx a}+sn] hf/L u/]sf] shf{ ckn]vg gLlt cg';f/ ul/g]] 5 .

!)= u}/ a}+ls· ;DkQLsf] n]vf°g gLlt M g]kfn /fi6« a}+ssf] u}/ a}+lsË ;DklQ ;DaGwL n]vfÍg gLlt cg'?k u}/ a}+lsË ;DklQ sa'n ubf{sf] ;dodf ;Dk"0f{

n]gf /sd cyjf lwtf] /x]sf] ;DklQsf] k|rlnt ahf/ d"No (Fair market price) dWo] h'g sd 5 ;f]xL /sddf

u}/ a}+lsË ;DklQsf] n]vfÍg ug]{ gLlt /x]sf] 5 . u}/ a}+lsª ;DklQ n]vfÍg u/]sf] aif{df g} ;Dk"0f{ /sdsf] gf]S;fgL

Aoj:yf ul/g] gLlt /x]sf] 5 .

v/fa shf{ ckn]vg ;+alGw sfo{lalw g]kfn /fi6« a}+s4f/f :jLs[lt a}+ssf] shf{ ckn]vg lgodfjlndf pNn]v eP

adf]lhd x'g]5 . a}ssf] v/fa shf{ c;'lnsf] nflu pko'Qm /sd ;Ddsf] Aofh ldgfx lbg ;Sg] lglt lnPsf] 5 .

k|t]s v/fa shf{sf] ca:yf x]l/ Gofof]rLt 9+un] shf{sf] km5f}{6 ul/g] 5 .

o; cf=j=;Dddf sDkgLsf] u}/ a}+lsË ;DklQ l;h{gf ePsf] 5}g .

!!= Aofh tyf cGo cfDbfgL u0fgf tl/sf M s_ shf{ vftfx?df Aofhsf] u0fgf #^% lbg k|lt aif{sf] b/n] ul/Psf] 5 .

v_ Jofh cfDbfgLnfO{ g]kfn /fi6« a}+ssf] PsLs[t lgb{]lzsf adf]lhd gub k|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5

h'g g]kfn n]vfdfg dfkb08 (NAS-07) cg'?k 5}g .

g]kfn ;/sf/sf] C0fkqdf cflh{t AofhnfO{ cfh{gsf] cfwf/ (Accrual Basis) df n]vf+sg ug]{ gLlt cjnDag

ul/Psf] 5 . o; cf=j=df o; lzif{s cGt/ut s'g} sf/f]jf/ gePsf] b]lvG5 .

u_ sldzg cfDbfgLnfO{ cfh{gsf] cfwf/ (Accrual Basis) n]vf+sg ug]{ gLlt /x]sf] 5 .

!@= vr{ u0fgf n]vf°g gLlt M s_ lgIf]k vftfx?df Jofhsf] u0fgf #^% lbg k|lt aif{sf] b/n] ul/Psf] 5 .

v_ Aofh tyf cGo vr{x?nfO{ cfh{gsf] cfwf/ (Accrual Basis) df n]vf+sg ul/Psf] 5 .

!#= shf{ gf]S;fgL Joj:yf gLlt M g]kfn /fi6« a}+ssf] Plss[t lgb{]lzsf adf]lhd shf{ vftfx?nfO{ auL{s/0f u/L ;f]xL cg';f/ shf{ gf]S;fgL Joj:yf

u/LPsf] 5 . q}dfl;s ?kdf shf{ gf]S;fgL Aoj:yfdf ;dfof]hg u/L yk36 ug]{ ul/Psf] 5 . shf{, ;fk6 tyf ljn

v/LbnfO{ jf;nftdf ;Defljt gf]S;fgL Aoj:yf kl5sf] v'b d"Nodf b]vfO{Psf] 5 .

c;'n x'g g;Sg] shf{ /sd ckn]vg ubf{ g]kfn /fi6« a}+sn] hf/L u/]sf] lgb]{zg, sDkgLsf] shf{ ckn]vg gLltsf]

clwgdf /lx ;~rfns ;ldltsf] :jLs[tLaf6dfq shf{ ckn]vg ug]{ gLlt lnOPsf] 5 .

o; cf= j= df To; lsl;dsf] s'g} shf{ g/x]sf] .


!$= lnhxf]N8 ;DktL, :yug vr{ tyf k'j{ ;~rfng vr{ M s_ ef8fdf lnPsf] ejg ljsf;sfnfuL ul/Psf] vr{x?nfO{ lnhxf]N8 ;DklQ cGtu{t kF"hLs[t ul/Psf] 5 . pQm

vr{x?nfO{ 3/ ef8fsf] cjlwdf ckn]vg ug]{ gLlt cjnDag ul/Psf] 5 . lnhxf]N8 ;DklQnfO{ l:y/ ;DklQdf

;dfj]z ul/Psf] 5 .

v_ sDKo'6/ ;km\6j]o/ ;DalGw vr{nfO{ l:y/ ;DkQLdf ;dfj]z ul/Psf] 5 . pQm vr{nfO{ % jif{df ckn]vg ug]{

gLlt cjnDag ul/Psf] 5 .

!%= v"b gfkmf af“8kmf“8 gLlt M a}+s tyf ljQLo ;+:yf ;DalGw P]g @)^#, cg'?k gfkmf÷gf]S;fg lx;fjaf6 b]lvPsf] v'b gfkmfsf] @) k|ltzt /sdnfO{

;fwf/0f hu]8f sf]ifdf afF8kmfF8 ug]{ gLlt cjnDjg ul/Psf] 5 . ;fy} g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd :yug

s/ ;DklQ a/fa/sf] /sdnfO{ :yug s/ hu]8f sf]ifdf :yfgfGt/0f ug]{ / o; sf]ifsf] /sdnfO{ :yug s/ bfloTj

;+u dfq ;dfof]hg ug]{ gLlt lnO{Psf] 5 .

!^= sd{rf/L pkbfg tyf cGo ;'ljwf jfkt Joj:yf gLlt M -s_ sd{rf/L af]g; Joj:yf cGtu{t af]g; P]g adf]lhd ;Dk'0f{ ;~rfng kl5sf] v'b gfkmfaf6 !) k|ltztsf] b/n]

x'g] /sd jf]g; jfkt lx;fj u/L 5'6[ofOg] gLlt cjnDag ul/sf] 5 .

!&= shf{sf] ;f“jf tyf Aofh c;'n ug]{ Aoj:yf M ;DjlGwt C0fLaf6 /sd c;'npk/ ubf{ To:tf] c;'n /sd dWo]af6 ;j{k|yd c;'n pk/ ug'{kg]{ cGo n]gf /sd,

xhf{gf / Jofh ;Dk"0f{ ?kdf c;'npk/ ePkl5sf] cj:yfdf dfq afFsL /sd ;fFjfdf cfjZos lx;fj ldnfg ug]{

gLlt lnPsf] 5 .

!*= cGo M s_ sDkgLn] v/Lb u/]sf] ;j} lsl;dsf] :6]zg/L tyf 5kfO{ ;fdu|Lx? dWo] afFsL /x]sf] df}HbftnfO{ FIFO (First

in First Out) Method af6 d"NofÍg u/L cGo ;DklQdf b]vfpg] gLlt /x]sf] 5 .

v_ kl5Nnf] jif{sf] /sdx¿nfO{ k'gM ;+/rgf tyf k'gM jlu{s/0f ul/Psf] 5 .

u_ k/ ;f/LPsf] vr{ lzif{s cGt/ut z]o/ lg:sfifg vr{nfO{ kFfr aif{df ckn]vg ug]{ lglt lnO{Psf] 5 .

jflif{s k|ltj]bg @)&#÷&$ 187187

;]tLkmfOGffG; lnld6]8l6sfk'/, s}nfnL

cg';"rL $=##

n]vf ;DaGwL l6Kk0fLx?

!= r'Qmf k"“hLdf ePsf] kl/jt{g cfly{s aif{ @)&#÷)&$df sDkgLsf] r'Qmf k"FhL ?= !%@,^)#,@!$ /x]sf] 5 .

;+:yfks z]o/kF"hL M ?= &,!*%,@!#

;j{;fwf/0f z]o/k"FhL M ?= *),&%!,!)!

clGtd r'Qmf k"FhL -@)&$ cfiff9 #!_ M ?= !%@,^)#,@!$

@= ;fwf/0f hu]8f sf]if a}+s tyf ljlQo ;+:yf ;DaGwL P]g, @)^# sf] bkmf $$ df ePsf] Joj:yf cg';f/ a}+sn] cfkm\gf] v'b d'gfkmfsf] @)

k|ltzt /sd ;fwf/0f sf]ifdf ;fg'{ kb{5 . To;} cg';f/ a}+sn] rfn' cf=a=df v'b d'gfkmfsf] @) k|ltztn] x'g cfpg]

?= @,&$%,^!%=)# ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 .

#= Aofh cfDbfgL tyf Aofh d'NtaL g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ shf{ tyf ;fk6af6 cflh{t Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/dfdfq cfDbfgL

b]vfpg] k|fjwfg cg'?k shf{ tyf ;fk6df kfpg' kg]{ ;Dk'0f{ Jofh k|fKt eO{ ;s]sf]n] Aofh d'NtjL vftf kfpg' kg]{

/sd b]vfO{Psf] 5}g .

$= u}/ a}ls· ;DklQ @)&$ cfiff9 d;fGt;Dd ljlQo ;+:yfn]] shf{ c;"nLsf] l;nl;nfdf lwtf]lnnfd laqmL geO{ cfkm}n] ;sf/ ug'{kg]{

cj:yfg cfPsf]n] ljlQo ;+:yfsf] gfddf u}/ a}lsË ;DklQ /x]sf] 5}g .

%= shf{ tyf ;fk6 k|jfx, c;'nL tyf ;f“jf Aofh ckn]vgsf] ;f/f+zM sDkgLsf] cf=j= @)&#÷)&$ df ljt/0f ePsf] shf{ / c;'nLsf] lja/0f o; k|sf/ /x]sf] 5 .

ljj/0f /sd ?=

z'?sf] df}Hbft 259,059,996.98shf{ ljt/0f 237,124,816.00shf{ c;'nL 234,482,316.31;Ffjf shf{ ckn]vg

clGtd df}Hbft 351,702,496.67Jofh ckn]vg


^= lgIf]k bfloTjdf ePsf] kl/jt{gsf] ljj/0f M sDkgLn] cf=j= @)&#÷)&$ sf] lgIf]ksf]] lja/0f o; k|sf/ /x]sf] 5 .

ljj/0f o; jif{ ut jif{ k|utL k|ltzt

Aofh ltg"{ kg]{ vftfx¿ s_ art lx;fa 274,697,937.84 168,848,853.62 105,849,084.22 62.69%v_ d"2tL lx;fa 107,027,730.00 96,262,955.00 10,764,775.00 11.18%u_ dfu]sf] avt ltg"{ kg]{ lx;fa 3_ ;l6{lkms]6 ckm l8kf]lh6 Jofh ltg"{ kg]{ vftfx¿sf] hDdf 381,725,667.84 265,111,808.62 116,613,859.22 43.99%hDdf lgIf]k 763,451,335.68 763,451,335.68 530,223,617.24530,223,617.24 233,227,718.44233,227,718.44 43.99%43.99%

&= efl/t cf}ift Jofh b/ M sDkgLsf] cf=j= @)&#÷)&$ sf] efl/t cf}ift Jofh b/ lgDgadf]lhd /x]sf] 5 .

ljj/0f k|ltzt

shf{ / nufgLsf] cf}iftb/ 16.05

lgIf]k cf};t b/ 8.51v"b cGt/ 7.547.54

*= ckn]vg x'g af“sL vr{ M o; cf=j @)&#÷)&$ sf] nfuL ljlQo ;+:yfsf] ckn]vg x'g afFsL s'g{ vr{ g/x]sf]n] ckn]vg ul/Psf] 5}g .

(= e'QmfgL cjlwsf] cfwf/df ;DklQ bfloTjsf] juL{s/0f M

-?=xhf/df_

qm=;

;Dklt !–()lbg

(!–!*)lbg

!*!–@&) lbg

@&!–#^% lbg

! jif{ eGbf a9L

s'n /sd

1 gub df}Hbft 2,081,559.75 2,081,559.75

2 a}+s tyf ljQLo ;+:yf df}Hbft 210,449.54 210,449.54

3 ljb]zL a}+sdf ul/Psf] nufgL

4 sn dlg

5 ;/sf/L ;"/If0fkq

6 g]kfn /fi6« a}+ssf] C0fkq

7 cGt/ a}+s tyf ljQLo ;+:yf

shf{

8 shf{ ;fk6 331,066.86 20,635.64 351,702.50

9 kfpg' kg]{ Jofh 9,660.18 9,660.18

10 l/e;{ l/kf]

11 k|lta4tf cGt{ut cGo

;+:yfx?af6 k|fKt x"g]

12 qm=;=@), @! / @@ sf

;"ljwfx?sf] e"QmfgL

qmdz===

jflif{s k|ltj]bg @)&#÷&$ 189189

13 cGo

s'n ;DklQ 2,301,669.472,301,669.47 331,066.86331,066.86 20,635.6420,635.64 2,653,371.972,653,371.97

bfloTj

14 rNtL lgIf]k

15 art lgIf]k 274,697.94 274,697.94

16 d'4tL lgIf]k 20,000 23,351.50 63,676.23 107,027.73

17 C0fkqx?

18 ;fk6L

dfu tyf cNk ;"rgfdf

cGt/ a}s lj=;+:yf

k'g/ shf{

cGo

19 cGo bfloTj tyf Joj:yfx?M 43,007.18 43,007.18

;08L qm]l86;{ 10,870.39 10,870.39

e"QmfgL lbg"kg]{ lan

e"QmfgL lbg"kg]{ Jofh 893.60 893.60

Joj:yfx? 16,950.44 16,950.44

cGo 14,292.74 14,292.74

20 k|lta4tf cGt{ut cGo

;+:yfx?nfO{ lbg"kg]{

21 pkef]u e}O{ g;s]sf] :jLs[t

;"ljwfx?

22 k|lttkq hdfgt -v"b_

23 l/kf]

24 qm=; !! cGtu{tsf] ;"lawfsf]

e"QmfgL

25 cGo

s'n bfloTj 317,705.11317,705.11 20,00020,000 23,351.5023,351.50 63,676.2363,676.23 424,732.84424,732.84

v'b ;DklQ 1,983,964.361,983,964.36 (20,000)(20,000) 307,715.36307,715.36 (43,040.59)(43,040.59) 2,228,639.132,228,639.13

;+lrt v'b ;DklQ 1,983,964.361,983,964.36 1,983,964.361,983,964.36 1,983,964.361,983,964.36 2,271,679.722,271,679.72 2,228,639.132,228,639.13

!)= sDkgLsf] r'Qmf k"FhLdWo] clu|d e'QmfgLk|fKt (Paid in Advance),e'QmfgLk|fKt x'g afFsL (Calls in Arrears) / hkmt ul/Psf t/ k'gMlgisfzg gul/;s]sf (Forfeited But Not Issued) z]o/x? g/x]sf] .

!!= lx;fj ldnfgsf] cj:yf

ljlQo ;+:yfn] a}+s tyf ljQLo ;+:yfx?df /x]sf] vftfsf] lx;fa ldnfg ! dlxgfsf] cGt/fndf u/]tf klg zfvf /

c? vftfsf] lx;fa ldnfg eg] @÷# lbgsf] cGt/fndf ug]{ u/]sf] 5 . pQm km/s /sd ?= !,&!#,$^@=!) -cIf/]kL

;q nfv t]x| xhf/ rf/ ;o af;¶L / bz k};f_ /x]sf] .


!@= cfkm\gf] ;DklQ lwtf] /fvL lnPsf] ;fk6L ljj/0f ljlQo ;+:yfn]] ;'/If0fsf] ?kdf cfkm\gf] ;DklQ lwtf] /fvL s'g} shf{ lnPsf] 5}g .

!#= lgliqmo shf{ ;fjf tyf Jofhn] efvf gf3]sf] lgliqmo shf{ ljlQo ;+:yfdf shf{sf] ?kdf ?= !@,^*$,!%)=(& /sd /x]sf]] 5 .

!$= >f]t kl/rfng g]kfn /fi6« a+}sn] t/ntf ;DalGw hf]lvdnfO{ Go"lgs/0f ug{] p2]Zon] hf/L u/]sf] ljlQo ;+:yfsf] >f]t kl/rfngsf]

dfkbG8 cg'?k, ljQLo ;+:yfn] :jb]zL lgIf]k tyf k|fylds k"FhLdf s'n shf{ ;fk6sf] c+z ^#=)% k|ltzt /xg

uPsf] 5 .

!%= Psfu|tfsf] ljj/0f ljQLo ;+:yfsf] ;DklQ tyf bfloTj;Fu ;DalGwt tyf jf;nft jflx/sf] sf/f]jf/ s'g} Ps JolSt, kmd{, ;+3 ;+:yf

tyf s'g} Ps If]qdf clws]lGb|t eO{ g]kfn /fi6« a}+ssf] lgb]{zgsf] l;df eGbf a9L ePsf] 5}g .

!^= sd{rf/L af]g; Joj:yf M af]g; P]g, @)#) cg';f/ sd{rf/L af]g; Joj:yf ;Dk"0f{ sf/f]jf/ kl5sf] d'gfkmfaf6 cfos/ jfkt Joj:yf ug'{k"j{

!) k|ltzt ul/Psf] 5 . sd{rf/L af]g; jfkt o; jif{ ?= !,(&),#@$=%( gfkmf gf]S;fg lx;fadf vr{ hgfO{ cGo

bfloTj zLif{sdf b]vfO{Psf] 5 .

!&= k|:tfljt nfef+z M ljQLo ;+:yf cf=j=@)&#÷)&$ df r'Qmf k"FhLsf] ^=($ k|ltztn] x'g cfpg] ?= !),%*&,@))÷— -cIf/]lk Ps s/f]8

kfFr nfv ;tf;L xhf/ b'O{ ;o dfq_ af]g; z]o/ ljt/0f ug]{ k|:tfj u/]sf] 5 . a}+s tyf ljlQo ;+:yf ;DaGwL P]g,

@)&# sf] lgb]{lzsf g+= !* adf]lhd o; ljlQo ;+:yf g]kfn /fi6« a}+s af6 …sÚ ju{sf] Ohfhtkqk|fKt ;+:yf>L ;]Gr'/L

a}+s lnld6]8;Fu ldlt @)&$÷)*÷@$ ut] af6 Plss[t sf/f]jf/ ug]{ ul/ uflePsf] 5 . ;fy} ;]~r'/L sdl;{on a}+s

lnld6]8df ;dflxt eP kZrft\ o; ;+:yfsf] cf=j= @)&#÷)&$ sf] jflif{s ;fwf/0f ;ef tyf nfef+z afF8kmfF6

;+o'Qm ?kdf ;]~r'/L sdl;{on a}+s lnld6]8af6 g} x'g] ;xdtL ePsf] 5 .

!*= u}/ a}+ls· ;DkQL ljj/0f M s_ o; jif{sf] cfos/ o; jif{sf] cfos/ P]g @)%* cg';f/ Joj:yf ul/Psf] 5 .

v_ :yug s/ (Deferred Tax) cfos/ ljj/0f tyf ljQLo ljj/0f aLr ;DklQ bfloTjdf x'g cfpg] c:yfoL km/ssf] u0fgf u/L eljiodf

;dfof]hg x'g] km/sx¿nfO{ xfn sfod #) k|ltzt s/sf] b/df :yug s/sf] u0fgf lgDgfg';f/ ul/Psf] 5 .

jflif{s k|ltj]bg @)&#÷&$ 191191


c:yfoL cGt/ l:y/ ;DklQdf

s/sf] nfuL cfwf/ lstfaL d'No cGo c:yfoL cGt/ 1,706,544.60 188,990.00 sd{rf/L pkbfg Joj:yf 1,918,114.00 188,990.00 z]o/ lgisf;g vr{ (211,569.40) v'b c:yfoL km/s 1,706,544.60 188,990.00 :yug s/ ;DklQ @ #)% 511,963.38 56,697.00 :yug s/ bfloTj @ #)% cl3Nnf] cf=a= ;Dd /x]sf] v'b :yug s/ ;DklQ 56,697.00 156,002.36 o; cf=a=df gfkmf gf]S;fg vftfdf b]vfOPsf] :yug s/ cfDbfgL 455,266.38 455,266.38 (99,305.36) (99,305.36)

!(= cGo -s_ pkbfg Joj:yf M ;+:yfsf] sd{rf/L lgodfjnL @)^( jdf]lhd cfiff9 d;fGt @)&$ df ?= !,(!*,!!$=))

sf] pkbfg Joj:yf ul/Psf] 5 .

-v_ k'g{;d"x s/0f tyf k'g{jlu{s/0f (Regrouping and Reclassifi cation): ut jif{sf] /sdx?nfO{ cfjZostf

cg';f/ k'g{;d"xs/0f tyf k'g{jlu{s/0f ul/Psf] 5 .

-u_ jf;nftsf] ldlt kZrft\ a}+ssf] ljQLo ljj/0fx?nfO{ k|efj kfg]{ ul/ s'g} klg dxTjk"0f{ 36gfx? a}+sdf

36]sf] 5}g .

@)= zfvf lj:tf/ cf=j= @)&#÷)&$ df o; ljlQo ;+:yfn] s'g} klg zfvf lj:tf/ u/]sf] 5}g .

@!= ut aif{sf /sdx? cfjZostf cg';f/ ;dfof]hg tyf k'g{alu{s/0f u/LPsf 5g\ .


qm= ;+=


cGtu{t kg]{

z]o/wgLsf] gfd



s}lkmots'n lsQf

;+Vof

s'n r''Qmf

k"“hLsf]

k|ltzt

shf{ lnPsf]

cGo a}+s÷

ljlQo ;:+yfsf]

gfd

shf{ /sd

lwtf]df /x]sf]

z]o/ lsQf

;++Vof

;+: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/0f


cg';"rL $=#$

jflif{s k|ltj]bg @)&#÷&$ 193193

Se Finance LimitedQuarterly Financial Statement

At the quarter ended Ashadh, 2074 Rs. in '000'

S.N. Par culars This Quarter Ending Previous Quarter EndingCorresponding PreviousYear

Quarter Ending*

1 Total Capital & Liabili es (1.1 to 1.7) 384,822.63 362,521.00 307,519.92

1.1 Paid-up Capital 63,452.40 55,660.00 55,660.00

1.2 Reserves and Surplus 18,256.19 21,519.08 18,054.83

1.3 Debenture and Bond

1.4 Borrowings

1.5 Deposits (a+b) 265,111.80 261,015.24 217,821.26

a. Domes c Currency 265,111.80 261,015.24 217,821.26

b. Foreign Currency

1.6 Income Tax Liabili es 3,639.62 1,513.38

1.7 Other Liabili es 34,362.62 22,813.30 15,983.83

2 Total Assets (2.1 to 2.7) 384,822.63 362,521.00 307,519.92

2.1 Cash & Bank Balance 88,084.17 90,300.37 108,417.73

2.2 Money at call and short No ce

2.3 Investments 100.00 100.00 100.00

2.4 Loans & Advances (a+b+c+d+e+f) 259,059.29 243,933.79 182,233.61

a. Real Estate Loan

1. Residen al Real Estate Loan (Except Personal Home Loan upto Rs 10 million)

2. Business Complex & Residen al Apartment Construc on Loan

3. Income genera ng Commercial Complex Loan

4. Other Real Estate Loan (Including Land Purchase & Plo ng)

b. Personal Home Loan of Rs. 10 million or less 20,158.34 18,232.20 7,677.05

c. Margin Type Loan

d. Term Loan 32,891.19 27,040.44 16,821.66

e. Overdra Loan / TR Loan / WC Loan 165,507.85 160,229.18 128,694.62

f. Others 40,501.91 38,431.97 29,040.28

2.5 Fixed Assets 5,353.57 5,699.37 5,125.91

2.6 Non Banking Assets

2.7 Other Assets 32,225.60 22,487.47 11,642.67


3.1 Interest income 39,061.36 23,792.25 32,758.62

3.2 Interest Expense 17,934.19 13,236.38 12,994.94

A. Net Interest Income (3.1-3.2) 21,127.17 10,555.87 19,763.68

3.3 Fees Commission and Discount 236.22 172.28 157.67

3.4 Other Opera ng Income 2,833.19 1,979.21 2,074.28

3.5 Foreign Exchange Gain/Loss (Net)

B. Total Opera ng Income (A+3.3+3.4+3.5) 24,196.58 12,707.36 21,995.63

3.6 Staff Expenses 5,511.00 3,731.79 5,148.07

3.7 Other Opera ng Expenses 3,380.37 1,720.68 2,604.44

C. Opera ng profi t Before Provision (B-3.6-3.7) 15,305.21 7,254.89 14,243.12

3.8 Provision for Possible Loss 1,959.94 1,705.85 906.66

D. Opera ng profi t (C-3.8) 13,345.27 5,549.04 13,336.46

3.9 Non Opera ng Income/Expenses (Net)

3.10 Write Back of Provision for Possible Loss

E. Profi t From Regular Ac vi es (D+3.9+3.10) 13,345.27 5,549.04 13,336.46

3.11 Extraordinary Income/Expenses (Net)

F. Profi t Before Bonus and Taxes (E+3.11) 13,345.27 5,549.04 13,336.46

3.12 Provision For Staff Bonus 1,213.20 504.44 1,212.00

3.13 Provision For Tax 3,639.62 1,513.38 3,637.34

G. Net Profi t/Loss (F-3.12 -3.13) 8,492.45 3,531.22 8,487.12

4 Ra os

4.1 Capital Fund to RWA 25.62% 26.30% 32.97%

4.2 Non Performing Loan (NPL) to Total Loan 2.45% 2.30% 1.87%

4.3 Total Loan Loss Provision to total NPL 85.07% 91.48% 100.90%

4.4 Cost of Funds 7.01% 6.97% 7.75%

4.5 CD Ra o (Calculated as per NRB Direc ves) 74.69% 72.12% 62.50%

4.6 Base Rate (for class "A" banks )


SETI FINANCE LIMITED TIKAPUR, KAILALIComparison of Unaudited and Audited Financial Statement as of F.Y 2073-74

Schedule 4.35

Rs. in '000'

S.N Par culars


Statement"


Statement"

Variance"Reason For

Variance" In Amount In %

1 Total Capital and Liabili es (1.1 to 1.7) 626,210.12 567,833.22 58,376.90 9.32

1.1 Paid Up Capital 152,603.21 163,190.41 (10,587.20) Dividend Declara on

1.2 Reserves and Surplus 25,126.37 14,343.38 10,782.98 42.92 Adjusted fi gures due to change in amount of net profi t in audited fi nancial statement

1.3 Debentures and Bond 1.4 Borrowings

1.5 Deposits (a+b) 381,725.67 381,725.67 (0.00) a. Domes c Currency 381,725.67 381,725.67 (0.00)

b. Foreign Currency

1.6 Income Tax Liability 5,976.41 430.44 5,545.97 92.80 Income Tax Calculated as per the Income Tax Act 2058 and ne ed off against advance tax

1.7 Other Liabili es 60,778.46 8,143.31 52,635.14 86.60 Se lement of sundry creditor omi ed in un audited fi nancial statement booked

2 Total Assets (2.1 to 2.7) 626,210.12 567,833.22 58,376.90 9.32

2.1 Cash and Bank Balance 214,890.30 214,806.86 83.44 0.04

2.2 Money at Call and Short No ce

2.3 Investments 100.00 100.00

2.4 Loans and Advances 351,702.50 340,728.46 10,974.03 3.12 Loans and advances are ne ed off against loan loss provision.

2.5 Fixed Assets 5,562.05 5,729.96 (167.91) (3.02) Lease hold assets

2.6 Non Banking Assets 2.7 Other Assets 53,955.27 6,467.93 47,487.34 88.01 Se lement of debtor omi ed in un

audited fi nancial statement is booked


3.1 Interest Income 52,614.40 52,614.40

3.2 Interest Expenses 20,070.19 20,070.19

A. Net Interest Income (3.1 - 3.2) 32,544.22 32,544.22

3.3 Fees, Commission and Discount 368.07 368.07

3.4 Other Opera ng Income 3,461.23 5,825.87 (2,364.63) (68.32) Diff erence in Presenta on and classifi ca on in Schedule

3.5 Foreign Exange Gain/Loss (Net)

B. Total Opera ng Income (A+3.3+3.4+3.5) 36,373.52 38,738.15

3.6 Staff Expenses 8,425.15 8,425.15

3.7 Other Opera ng Expenses 4,181.68 4,421.62 (239.94) (5.74) Diff erence in Presenta on and classifi ca on in Schedule

C. Opera ng Profi t Before Provision (B-3.6-3.7) 23,766.69 25,891.39

3.8 Provision for Possible Losses 4,219.12 4,219.12 0.00 0.00 Adjustment of adjusting events after Balance sheet date and Loan Loss Provisions adjustments

D.Opera ng Profi t (C-3.8) 19,547.58 21,672.27

3.9 Non Opera ng Income / Expenses (Net) 2,365.93 1.30 2,364.63 99.95 Diff erence in Presenta on and classifi ca on in Schedule

3.10 Write Back of Provision For Possible Loss

E. Profi t from Regular Ac vi es (D+3.9+3.10) 21,913.51 21,673.57

3.11 Extraordinary Income / Expenses (Net)

F. Profi t before Bonus and Taxes(E+3.11) 21,913.51 21,673.57

3.12 Provision for Staff Bonus 1,992.14 1,970.32 21.81 1.09 Diff erence in Presenta on and classifi ca on in Schedule

3.13 Provision for Tax 5,976.41 6,430.44 (454.03) (7.60) Calcula on as per Income Tax Act, 2058

Deff ered Tax Income (455.27) 455.27 Not Calculated in unaudited fi nancial statements

G. Net Profi t/Loss (F-3.12-3.13) 13,944.96 13,728.08 216.89

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