cf7f}...bg @= / « M b] / sf] /:

cf7f} + jflif{ s k|ltj] bg@)&)÷)&!

g] kfn / fi6« a} +saf6 ‘v’ ju{ sf] Ohfht kq k|fKt ;+: yf -!) lhNnf sfo{ If] q ePsf] _

k|f ] S;L kmf/ fd>L ;~rfns ;ldlt,

sfdgf ljsf; a} +s lnld6] 8,

kf ] v/ f–*, ;[ hgfrf ] s .

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

dxfzo,

»»»»»»»»»»»»»» lhNnf »»»»»»»»»» g=kf=÷uf=lj=;= j8f g+= ……… a: g] d÷xfdL »»»»»»»»»»»»»»»»»»»»»» n] To; sfdgf ljsf; a} +s lnld6] 8sf] z] o/ jfnfsf] x} l;otn] @)&! ;fn kf} if @* ut] ;f] daf/ sf lbg x'g] cf7f} + jflif{ s ;fwf/ 0f ;efdf : jo+ pkl: yt eO{ 5nkmn tyf lg0f{ odf ;xefuL x'g g;Sg] ePsf] n] pQm ;efdf efu lngsf nflu »»»»»» lhNnf »»»»»»» »»»»»»»»»»»»»»»»»»» g=kf=÷uf=lj=;= j8f g+= ………… a: g] To; a} +ssf z] o/ wgL >L »»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»» nfO{ d] / f] ÷xfd|f] k|ltlglw lgo'Qm u/ L k7fPsf] 5'÷5f} +.

k|f] S;L lng] sf] ;xL M …………………………

lgj] bsb: tvt M gfd M ldlt M 7] ufgf M

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

k|j] z kqz] o/ wgLsf ] gfd M »»»»»»»»»»»»»»»»»»»»»»»»»»»»»z] o/ ;+Vof M …………………………………………………………………………………z] o/ wgLsf] ;xL M ……………………………………………………………………………

cf7f } + jflif{ s ;fwf/ 0f;efdf pkl: yt x'g hf/ L ul/ Psf ] k|j] z–kqb|i6Jo M!_ z] o/ wgL cfkm} n] dflysf vfnL 7fp“x¿ eg'{ xf ] nf .@_ ;efsIfdf k|j] z ug{ of ] k|j] z–kq k|: t't ug{ clgjfo{ 5 .

g] kfn / fi6« a} +saf6 ‘v’ ju{ sf] Ohfht kq k|fKt ;+: yf -!) lhNnf sfo{ If] q ePsf] _

sfdgf ljsf; a} +s lnld6] 8sf] cf7f} ++ jflif{ s ;fwf/ 0f ;ef ;DaGwL ;"rgf

o; sfdgf ljsf; a} +s lnld6] 8sf] ldlt @)&!÷)(÷)@ ut] j;] sf] ] ;+rfns ;ldltsf] j} 7ssf] lg0f{ o cg'' ';f/ o; ljsf; a} +ssf] cf7f} + jflif{ s ;fwf/ 0f ;ef lgDg ldlt, ;do / : yfgdf tkl;nsf ljifox?df 5nkmn u/ L lg0f{ o ug{ j: g] ePsf] x'Fbf ;efdf pkl: yltsf] nflu z] o/ wgL dxfg'efjx? ;dIf xflb{ s cg'/ f] w ub{ 5' .

;ef a: g] ldlt, ;do / : yfgMldlt M @)&!÷)(÷@* ut] , ;f] daf/ -tbg';f/ !@ hgj/ L, @)!%_;do M laxfg (M)) ah] : yfg M xf] 6n kf] v/ f u|f08, kfbL{ lj/ f} 6f, kf] v/ f .

5nkmnsf ljifox¿M-s_ ;fdfGo k|: tfj M!_ cfly{ s aif{ @)&)÷&! sf] ;+rfns ;ldltsf] k|ltj] bg 5nkmn u/ L kfl/ t ug] { .@_ n] vfk/ LIfssf] k|ltj] bg ;lxtsf] @)&! cfiff9 d;fGtsf] jf;nft tyf cf=j= @)&)÷&! sf] gfkmf gf] S;fg

lx;fa / ;f] xL cjlwsf] gub k|jfx ljj/ 0f dfly 5nkmn u/ L kfl/ t ug] { .#_ n] vfk/ LIf0f ;ldltsf] l;kmfl/ ; adf] lhd cf=j=@)&!÷&@ sf] nflu n] vf k/ LIfssf] lgo'lQm ug] { / lghsf]

kfl/ >lds tf] Sg] .$_ ;+rfns ;ldltn] k|: tfj u/ ] jdf] lhd r'Qmf k"FhLsf] !=!)% k|ltztn] x'g cfpg] ?=@%, $@, !)%.@^ -s/

k|of] hgsf] nflu_ gub nfef+z ljt/ 0f ug] { k|: tfj kfl/ t ug] { .%_ ;j{ ;fwf/ 0f z] o/ wgLx?sf] k|ltlglwTj ug] { # hgf ;+rfnsx?sf] lgjf{ rg ug] { .

-v_ ljz] if k|: tfj! ;+rfns ;ldltn] k|: tfj u/ ] jdf] lhd r'Qmf k"FhLsf] @! k|ltztn] x'g cfpg] ?=$, *#, )), ))).– jf] g; z] o/

ljt/ 0f ug] { ;DaGwL k|: tfj 5nkmn u/ L kfl/ t ug] { { / ;f] xL adf] lhd hf/ L k"FhL / r'Qmf k"FhL a[ l4 u/ L a} +ssf] k|aGwkq tyf lgodfjnLdf cfjZos ;+zf] wg ug] { .

@_ a} +ssf] k|aGwkq / lgodfjnLdf cfjZos ;+;f] wg u/ L clen] v u/ fpFbf cfjZos yk36, ;+zf] wg jf kl/ dfh{ g ug'{ k/ ] df ;f] ;DaGwL ;Dk"0f{ clVtof/ L ;+rfns ;ldltnfO{ k|bfg ug] { .

-u_ ljljw.

;~rfns ;ldltsf] cf1fn] sDkgL ;lrj

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

-!_ o; ljsf; a} +s / cf] d kmfO{ gfG; ln= Ps cfk;df dh{ x'g] k|of] hgsf] nflu z] o/ bflvnf vf/ ] hsf] sfd ldlt @)&!÷)#÷#) ut] af6 aGb / x] sf] 5 . o; jflif{ s ;fwf/ 0f ;efnfO{ Wofgdf / fvL g] kfn : 6s PS;r] Gh lnld6] 8df pQm ldlt ;Dd sf/ f] jf/ eO{ gfd;f/ Ldf k7fpg afFsL nufgLstf{ x?nfO{ @)&!÷)(÷!$ ut] leq a} +ssf] z] o/ / lhi6«f/ >L u|f] df] / dr] { G6 a} +s/ lnld6] 8, b/ jf/ dfu{ sf7df8f} +df z] o/ bflvnf vf/ ] h gfd;f/ Lsf nflu k7fO{ o; jflif{ s ;fwf/ 0f ;ef tyf nfef+zsf] nflu cfkm\gf] xs ;'/ lIft ug'{ x'g cg'/ f] w 5 .

-@_ jflif{ s ;fwf/ 0f ;efdf 5nkmn x'g] ljifox? ;lxtsf] ;"rgf z] o/ wgL dxfg'efjx?sf] 7] ufgfdf k7fOg] 5 . s'g} z] o/ wgL dxfg'efjx?n] pQm ;"rgf gkfpg' ePdf o;} ;"rgfsf] cfwf/ df ;fwf/ 0f;efdf pkl: yt x'g cg'/ f] w 5 . cf7f} + jflif{ s k|ltj] bgsf] nflu a} +ssf] j] j;fO{ 6 www.kamanabank.com.np x] g'{ x'g jf a} +ssf] s] Gb|Lo sfof{ no kf] v/ f–*, sf: sL jf u|f] df] / dr] { G6 a} +s/ ln= b/ jf/ dfu{ sf7df08f} df ;Dks{ / fVg'x'g cg'/ f] w ul/ G5 .

-#_ z] o/ wgL dxfg'efjx?sf] pkl: ylt kl': tsfdf b: tvt ug{ z] o/ wgL pkl: ylt k'l: tsf ;fwf/ 0f ;ef x'g] lbg laxfg *M)) ah] b] lv v'Nnf ul/ g] 5 . ;fwf/ 0f ;efdf efu lng cfpFbf z] o/ wgL dxfg'efjx?n] k|j] zkq cyjf z] o/ k|df0fkq clgjfo{ ?kdf Nofpg' x'g cg'/ f] w 5 .

-$_ k|f] S;L kmf/ fd -k|ltlglw lgo'QmL kq_ ;ef ;'? x'g] egL tf] lsPsf] ;do eGbf sDtLdf $* 3G6f cufj} a} +ssf] s] Gb|Lo sfof{ nodf sf/ f] jf/ ;doleq btf{ u/ L ;Sg' kg] { 5 . To;/ L k|ltlglw lgo'Qm ul/ ;s] kl5 pQm k|ltlglw ab/ u/ L csf] { k|ltlglw d's/ / u/ L ;ef ;'? x'g] egL tf] lsPsf] ;do eGbf sDtLdf $* 3G6f cufj} a} +ssf] s] Gb|Lo sfof{ nodf sf/ f] jf/ ;doleq btf{ u/ ] df jf cfkm" : jo+ ;fwf/ 0f ;efdf ljlwjt pkl: yt x'g cfPdf To: tf] z] o/ wgLn] u/ L lbPsf] cl3Nnf] k|f] S;L kmf/ fd : jt ab/ x'g] 5 .

-%_ gfjfns z] o/ wgLsf] tkm{ af6 ;+/ Ifssf] ?kdf gfd btf{ ePsf] JolQmn] dfq ;efdf efu lng ;Sg] 5 . cfkm" ;+/ Ifs ePsf] z] o/ jfnfsf] jfx] s c? z] o/ wgLsf] k|ltlglw -k|f] S;L_ e} ;efdf efu lng kfOg] 5} g .

-^_ ;j{ ;fwf/ 0f z] o/ wgLx?sf] tkm{ af6 ;+rfns ;ldltdf k|ltlglwTj ug] { ;+rfns kb ;+Vof # -tLg_ hgfsf] lgjf{ rg ;DaGwL sfo{ qmd j} +ssf] s] Gb|Lo sfof{ no kf] v/ f–* ;[ hgfrf] sdf @)&!÷)(÷@) ut] k|sflzt ul/ g] 5 .

-&_ ;+rfns kbdf pd] bjf/ x'g rfxg] z] o/ wgL dxfg'efjx?n] lgjf{ rg sfo{ qmddf tf] lsPsf] cjlwleq o; a} +ssf] Ps hgf z] o/ wgL k|: tfjs / csf] { Ps hgf z] o/ wgL ;dy{ s ;lxt a} sn] tf] s] sf] 9fFrfdf a} +ssf] s] Gb|Lo sfof{ nodf cjl: yt lgjf{ rg clws[ tsf] sfo{ sIfdf cfkm\gf] pd] bjf/ L btf{ ug{ ' kg] { 5 .

-*_ 5nkmnsf ljifodWo] ljljw zLif{ s cGtu{ t k|: tfj ePdf 5nkmn ug{ OR5's z] o/ wgL dxfg'efjx?n] ;ef x'g' eGbf & lbg cufj} 5nkmnsf] ljifo ;+rfns ;ldltsf cWoIfnfO{ lnlvt ?kdf lbg'kg] { 5 .

g]kfn /fi6« a}+saf6 ‘v’ ju{ sf] Ohfht kq k|fKt ;+:yf -!) lhNnf sfo{ If]q ePsf] _

1cf7f}+ jflif{s k|ltj] bg

cf7f} + jflif{ s ;fwf/ 0f ;efdf ;+rfns ;ldltsf] tkm{ af6cWoIfåf/ f k|: t't jflif{ s k|ltj] bg

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

o; sfdgf lasf; j} +s ln=sf] cf7f} + jflif{ s ;fwf/ 0f ;efdf ;xefuL x'g kfNg' ePsf ;Dk"0f{ z] o/ wgL dxfg'efjx?df ;+rfns ;ldlt tyf d] / f] JolQmut tkm{ jf6 xflb{ s : jfut clejfbg 6qm\ofpg rfxG5' . ljut & jif{ df ;Dk"0f{ z] o/ wgL, ;+rfns ;ldlt, sd{ rf/ L ju{ , u|fxsju{ x¿ tyf lgodgsf/ L lgsfox¿Aff6 k|fKt ;xof] u, ;b\efj tyf pxfFx?n] a} +sk|lt b] vfpg' ePsf] ;bf;otf tyf ;f} xfb{ tf Pj+ ;fd'lxs k|of;sf] sf/ 0f a} +sn] cfkm\gf] nIo k"/ f ub} { cufl8 a9L / x] sf] 5 . ct j} +ssf] ljQLo lqmofsnfk / k|ultx?nfO{ cem ;jn, ;Ifd / k|efjsf/ L agfO{ ;+: yfut ug{ , cfufdL lbgx?df yk Jofj;flos sfo{ of] hgf tof/ kf/ L ;+: yfsf] p2] Zo k|flKtdf k|efjsfl/ tf a9fpg ;bfem} oxfFx?af6 / rgfTds ;Nnfx, ;'emfj, ;xof] u / dfu{ lgb] { zgx¿ k|fKt x'g] g} 5 eGg] s'/ fdf xfdLx¿ ljZj: t 5f} + / ;f] xL adf] lhd a} +sn] cfkm\gf] efjL / 0fgLlt, of] hgf Pj+ sfo{ qmdx? agfpFb} sfof{ Gjog klg ub} { cfPsf] 5 . o; a} +ssf] : jfldTjstf{ Pj+ d"n cfwf/ sf] ?kdf / xg' ePsf tkfO{ z] o/ wgLx?sf] of] ljlzi6 Pj+ dxTjk"0f{ ;efsf] cj;/ df d oxfFx? ;dIf ;+rfns ;ldltsf] tkm{ af6 jflif{ s k|ltj] bg, n] vf k/ LIfssf] k|ltj] bgsf] ;fy} cf=j= @)&)÷&! sf] cfly{ s ultljlw, jf;nft, gfkmf gf] S;fg lx;fj, gub k|jfx ;DjGwL ljj/ 0f tyf cg';'rLx? o; ul/ dfdo ;efdf 5nkmn ;lxt : jLs[ ltsf nflu k|: t't ub{ 5' . t;y, { cfly{ s jif{ @)&)÷&! sf] ;du| j} lsª sfo{ tyf k|ult ljj/ 0f ;dLIff, efjL sfo{ qmd, sfo{ lbzf tyf ckgfpg' kg] { / 0fgLlt tyf, a} +snfO{ cem a9L ;jn, ;Ifd / ;'b[ 9 agfpg] ] ;DjGwdf oxf+x?sf] cd"No / fo, ;Nnfx tyf ;'emfj ;lxt cfhsf] o; ;fwf/ 0f ;efdf ;lqmo ;xeflutf hgfO{ ;bfem} + ;f/ e"t ?kdf dfu{ bz{ g k|fKt x'g] g} 5 eGg] ck] Iff ub} { , ca d j} +ssf] ;+lIfKt cfly{ s ultljlw Pj+ ljQLo emns tkm{ oxfFx?sf] Wofgfsif{ 0f u/ fpg rfxG5' .

!= cf=j= @)&)÷&! sf] sfo{ ;Dkfbg ;dLIff tyf ljQLo emnsM : yfkgf sfnb] lvg} d'gfkmfdf ;+rfng x'Fb} cfPsf] o; a} sn] k|: t't cfly{ s jif{ df klg pT;fxhgs ;kmntf

xfFl;n ug{ ;kmn ePsf] 5 eGg kfp+bf xfdLnfO{ ue{ sf] cg'e"lt ePsf] 5 . oBlk o; bf} / fgdf a} +sn] ljleGg cf/ f] x cj/ f] xx? kf/ ub} { kfl/ jfl/ s jftfj/ 0fdf u|fxs d} qL eO{ cfkm\gf dxTjk"0f{ ;] jfu|fxLx?df cfkm\gf] cTofw'lgs a} +lsª k|0ffnL dfkm{ t ;] jf k|bfg ub} { , cf7f} + jif{ df k|j] z u/ ] sf] 5 .

cfly{ s jif{ @)&)÷&! sf] ;'?b] lv g} a} +lsË If] qdf pRr t/ ntfsf] cj: yf ljBdfg / x] sf] n] cNksfnLg Aofhb/ x? Go"g : t/ df sfod / x] sf 5g\ . nufgLsf] If] q ;Lldt ePsf] / xfn;Dd klg cy{ tGqdf cfzfltt ;'wf/ cfO{ g;s] sf] sf/ 0f o;sf] / fd|f] ljsf; x'g g;s] sf] kl/ k|] R5df a} lsË If] q cem} klg lgs} r'gf} ltk"0f{ / k|lt: kwL{ ePsf] 5 . >f] tsf] nfut sd ePsf 7"nf / k'/ fgf a} sx¿n] lgs} sd Jofhb/ df shf{ k|bfg ug{ ] x'Fbf >f] tsf] nfut a9L ePsf xfd|f h: tf ;+: yfx¿nfO{ cfkm\gf / fd|f u|fxsx¿nfO{ ;+: yfd} sfod / fVg] sfo{ clt r'gf} tLk"0f{ ePsf] 5 . clws t/ ntfsf] sf/ 0f lgIf] k tyf shf{ sf] Jofhb/ df lu/ fj6 tyf 6] «h/ L lan Pj+ cGt/ j} +s Jofhb/ df Go'gLs/ 0f, a} +s tyf ljQLo If] qdf b] lvPsf] j9\bf] c: j: y ljQLo k|lt: kwf{ , nufgLsf gofF If] qdf ;+s'rg x'g'n] klg sf/ f] jf/ df c;/ kf/ ] sf] 5 . ;dod} ;+ljwfg aGg g;sL ;+qmd0fsfn nlDag', / fhg} lts cj: yf cl: y/ / xg', l56f] l56f] kl/ jt{ g x'g] ;/ sf/ L tyf lgofds lgsfosf gLlt lgodn] ubf{ klg d'n'sdf nufgLsf] ;'lglZrt jftfj/ 0f aGg ;s] sf] 5} g . xfnsf] a} +lsª kl/ b[ io x] bf{ a} +s ljQLo ;+: yfx?sf] ;+VofTds j[ l4, pTkfbgzLn If] qdf nufgLdf sld eO{ , sfo{ If] q ;+s'rg tyf k"FhL cNktf ;+u} ;fgf] k"FhLdf sfd ubf{ 7"nf kl/ of] hgfx?df nufgL ug{ af6 a} +s jl~rt x'g] cj: yf cflb sf/ 0fx?n] ubf{ a} +lsª Joj;fodf cfPsf] ;': ttfsf] sf/ 0f d'gfkmfdf ;d] t c;/ k/ ] sf] 5 . o;sf] jfjh'b klg ;dLIff cjlwdf o; a} +sn] pNo] Vo k|ult / pknlAwx? xfFl;n ug{ ;s] sf] s'/ f oxfFx? ;dIf JoQm ub{ 5' .


2 cf7f}+ jflif{s k|ltj] bg

a} +ssf] cfly{ s jif{ @)^*÷^(, @)^(÷&) @)&)÷&! tyf @)&!÷&@ sf] cflZjg d;fGt;Dd -k|yd q} dfl;s_ sf] ljQLo ljj/ 0f lgDg cg';f/ ePsf] Joxf] / f cjut u/ fpFb5' .

-? xhf/ df_

ljj/ 0fcf=j=

@)^*÷^(cf=j=@)^(÷&)

cf=j=@)&)÷&!

cf=j=@)&!÷&@ cflZjg d;fGt

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

lgIf] k ;+sng !, $*@, *^$ @, )(*, &@# @, ^^$, &^* @, ^($, )!)

shf{ nufgL !, !$%, @^! !&*, &^% @, )(*, #^# @, !%*, $@@

Jofh cfDbfgL @)*, &#% @%*, &&( #)#, !!$ &%, !$&

Jofh vr{ !#!, )%% !%#, )$! !&#, !*$ $$, )!^

s"n ;~rfng cfDbfgL @@@, ^&) @*@, ^^( #@*, %$^ *@, )#!

s"n ;~rfng vr{ !^^, @*( !(%*&& @@%, @&& %%, *#@

s/ cufl8sf] d'gfkmf %%, ##& &*, %^* !)), @!! @$, )&^

v'b d'gfkmf #%, *&@ %), )@# ^#, #)# !%, #@!

a} +sn] cfly{ s jif{ @)&)÷)&! df ^ s/ f] 8 ## nfv # xhf/ v'b d'gfkmf cfh{ g ug{ ;kmn / x] sf] 5 . h'g cf=j= @)^(÷)&) sf] t'ngfdf @^=%% k|ltztn] a9L x'g cfpF5 .

cfly{ s jif{

/ sd

?= x

hf/

df

!#, &()

@&, *@(

#%, *&@

%), )@#

^#, #)#

a} +sn] ;dLIff cjlwdf lgIf] k ;+sng tyf shf{ k|jfxdf pNn] Vo j[ l4 xfFl;n ug{ ;kmn ePsf] 5 . a} +sn] cf=j= @)&)÷&! df @ cj{ ^^ s/ f] 8 $& nfv lgIf] k ;+sng u/ L ;f] xL cjlwdf @ ca{ ( s/ f] 8 *# nfv shf{ k|jfx ug{ ;kmn ePsf] 5 . h'g cf=j= )^(÷&) sf] t'ngfdf lgIf] kdf @^=(&Ü / shf{ df !^=!!Ü sf] j[ l4 xf] .



cf=j= @)&)÷&! sf] cfiff9 d;fGtdf ePsf] lgIf] ksf] k|s[ lt

lgIf] k tyf shf{ sf] t'ngfTds cWoog

cfly{ s jif{

/ sd

?= x

hf/

df

cf=j= @)&)÷&! sf] cfiff9 d;fGtsf] shf{ sf] k|s[ lt

km\n] S;L lgIf] k )=()Ü

d'2tL @&=*!Ü

sn vftf (=!^Ü

cf] e/ 8«fkm\6 shf{ @&=@%Ücfjf; shf{ !(=(^Ü

cGo shf{ *=#%Ü

z] o/ shf{ )=)#Ü

ljkGg ju{ shf{ $=@&Ü

cfjlws shf{ @!=#)Ü

l/ on : 6] 6 shf{ *=#@Ü

xfo/ kr] { h shf{ !)=@@Ü

rNtL vftf !=!)Ü

art vftf %#=#@Ü

cGt/ a} +s &=&!Ü



@= / fli6«o tyf cGt/ f{ li6«o kl/ l: yltaf6 a} +snfO{ k/ ] sf] k|efjM b] z clxn] klg / fhg} lts lvrftfgL / ;+qmd0fsfnLg kl/ l: yltaf6 u'lh|/ x] sf] cj: yf ljBdfg 5 . d'n'ssf]

cfly{ s ;d'Ggltsf] nflu / fhg} lts l: y/ tf cfwf/ e"t Pj+ ckl/ xfo{ kIf xf] . a} +s tyf ljQLo ;+: yfsf] ljsf; / lj: tf/ df / fli6«o tyf cGt/ f{ li6«o Joj;flos tyf cfly{ s jftfj/ 0fn] k|ToIf jf ck|ToIf ?kdf k|efj kfg] { s'/ fdf s'g} b'O{ dt 5} g . cGo a} +s tyf ljQLo ;+: yfx?;Fu} o; ljsf; a} +s klg o;sf] ckjfb x'g ;Qm} g . j] / f] huf/ Lsf] ;d: of lbgfg'lbg a9\b} uPsf] sf/ 0f b] zsf cfly{ s ;+jfxs tyf phf{ sf] ?kdf / x] sf] o'jf hgzlQm b} lgs ?kdf ;/ b/ !% ;o b] vL @ xhf/ sf] xf/ fxf/ Ldf ljb] z knfog eO{ b] zsf] pTkfbg Ifdtfdf x|f; cfPsf] 5 . lgof{ td"ns pBf] ux¿n] lgof{ tdf j[ l4 ug{ ;ls/ xsf 5} gg\ . cd] l/ sL 8n/ sf] t'ngfdf g] kfnL d'b|f sdhf] / x'Fbf lbgfg'lbg b] zsf] Jofkf/ 3f6f a9\b} uPsf] 5 . k"jf{ wf/ x¿sf] oy+] i6 ljsf; gx'gfn] u|fdL0f If] qdf Jofj;flos sfo{ qmdx¿sf ;fy} a} lsË ;] jfx¿ lj: tf/ x'g ;s] sf 5} gg\ . b] zdf ljB't zlQmsf] cfk"lt{ sdx'g' / ljB't zlQmsf] ljsNksf] ¿kdf k|of] u x'g] k] 6«f] lnod kbfy{ sf] vktdf a[ l4 x'gfn] Joj;flos If] qsf] ;+rfng vr{ df a[ l4 u/ fPsf] 5 .

d'n'ssf] cfly{ s ;'rsfÍsf] af/ ] df rrf{ ug{ 'kbf{ ljutsf jif{ x?df eGbf o; ;dLIff jif{ df cy{ tGqsf vf; u/ L k|d'v If] qx? h: t} s[ lif, cf} Bf] lus, ;] jf If] q tyf ljk|] if0f cfk|jfxdf j[ l4 cflbsf] sf/ 0f cfly{ s jif{ @)&)÷&! df d'n'ssf] ;dli6ut cfly{ s l: ylt ;Gtf] ifhgs / Xof] . vf;u/ L s[ lif pTkfbg tyf ;] jf If] qsf] j[ l4b/ df ;d] t ;'wf/ cfPsf] n] ;dLIff jif{ Dff d'n'ssf] ;dli6ut cfly{ s j[ l4b/ ljut kfFr jif{ sf] t'ngfdf pRr / Xof] . tyflk, ;/ sf/ n] ;dod} ah] 6 hf/ L u/ ] klg k"FhLut vr{ ck] lIft ?kn] a9\g g;s] sf] tyf phf{ ;+s6 nufot cGo ;+/ rgfut ;d: ofsf sf/ 0f lghL If] qsf] nufgL eg] ;+s'lrt / Xof] . ;dLIff jif{ df df} lb|s lj: tf/ ck] lIft : t/ d} / x] klg k] 6«f] lnod kbfy{ sf] d"Noj[ l4 nufot cGo cfk"lt{ hGo sf/ 0fn] d"No j[ l4b/ nlIft : t/ eGbf s] xL dfly / Xof] eg] pRr cfoft Pjd\ Go"g lgof{ t j[ l4sf sf/ 0f Jofkf/ 3f6f km/ flsnf] x'g] qmd oyfjt / Xof] . tyflk, ljk|] if0f cfk|jfx Pjd\ j} b] lzs ;xfotf / sd pNn] Vo ?kdf lelqPsf] n] jfXo If] q cGtu{ t rfn" vftf art / xg'sf] ;fy} zf] wgfGt/ art pNn] Vo ?kdf sfod / xg ;Sof] . cfly{ s jif{ sf] ;'?sf s] xL dlxgfx?df sdhf] / x'Fb} uPsf] g] kfnL ?k} ofFsf] cd] l/ sL 8n/ nufotsf kl/ jTo{ d'b|f;Fusf] ljlgdo b/ kl5Nnf] ;dodf l: y/ / Xof] .

ef/ tLo ?k} ofF;Fusf] l: y/ ljlgdo b/ sf sf/ 0f cfly{ s jif{ @)&)÷&! sf] ;'?sf s] xL dlxgf;Dd g] kfnL ?k} ofF cd] l/ sL 8n/ nufotsf kl/ jTo{ ljb] zL d'b|f;Fu sdhf] / x'Fb} uPtf klg kl5Nnf] ;dodf ljlgdob/ df l: y/ tf sfod ePsf] 5 . @)&) c;f/ d;fGtsf] t'ngfdf @)&! c;f/ d;fGtdf g] kfnL ?k} ofF cd] l/ sL 8n/ ;Fu )=( k|ltztn] cjd"Nog ePsf] 5 . cl3Nnf] jif{ sf] ;f] xL cjlwdf g] kfnL ?k} ofF cd] l/ sL 8n/ ;Fu ^=& k|ltztn] cjd"Nog ePsf] lyof] . @)&! c;f/ d;fGtdf cd] l/ sL 8n/ Pssf] ljlgdo b/ ?= (%=() k'u] sf] 5 . @)&) c;f/ d;fGtdf pQm ljlgdo b/ ?= (%=)) / x] sf] lyof] .

cfly{ s jif{ @)&)÷&! df ljk|] if0f cfk|jfxdf ePsf] pNn] Vo j[ l4sf sf/ 0f a} +s tyf ljQLo ;+: yfx?sf] shf{ k|jfxsf] t'ngfdf lgIf] k kl/ rfngdf tLa| lj: tf/ ePsf] n] a} +lsË If] qdf pRr t/ ntfsf] l: ylt / lx/ Xof] . ljk|] if0f cfk|jfxsf] ljBdfg j[ l4b/ oxL cg'kftdf sfod / lx / x] df a} lsË k|0ffnLdf clws t/ ntf x'g] / df} lb|s If] q lj: tf/ eO{ cfoft tyf d'b|f: kmLltdf rfk kg] { ePsf sf/ 0f z] o/ tyf 3/ hUuf h: tf ;DklQsf] d"No klg c: jefljs ?kdf a9\g] ;Defjgfn] ubf{ df} lb|s gLltnfO{ sl;nf] t'NofpFb} hfg'kg] { j'lemPsf] 5 .



;dLIff jif{ df oyfy{ s"n ufx{ : Yo pTkfbg j[ l4b/ cfwf/ e"t d"Nodf %=@ k|ltzt / pTkfbssf] d"Nodf %=% k|ltzt / x] sf] s] Gb|Lo tYofÍ ljefusf] k|f/ lDes cg'dfg 5 . cl3Nnf] jif{ o: tf] j[ l4b/ qmdzM #=% k|ltzt / #=( k|ltzt / x] sf] lyof] . s"n ufx{ : Yo pTkfbgdf Ps ltxfO{ eGbf a9L lx: ;f cf] u6\g] s[ lif If] q ce} mklg lgjf{ xd'vL cj: yfd} / x] sf] tyf pBf] u Pjd\ ;] jf If] q klg ljleGg cfly{ s tyf u} / –cfly{ s Jojwfgaf6 u'lh|/ x] sf] n] d'n'ssf] cfly{ s j[ l4n] cfzfltt ?kdf ult lng ;s] sf] 5} g tfklg ;dLIff jif{ df s[ lif tyf u} / –s[ lif If] qsf] j[ l4b/ qmdzM $=& k|ltzt / %=# k|ltzt / x] sf] cg'dfg 5 h'g cl3Nnf] jif{ qmdzM !=! k|ltzt / $=^ k|ltzt / x] sf] lyof] . ;dLIff jif{ df u} / –s[ lif If] q cGtu{ t pBf] u If] q @=& k|ltztn] / ;] jf If] q ^=! k|ltztn] j[ l4 ePsf] cg'dfg 5 . cl3NNff] jif{ pBf] u If] q @=% k|ltztn] / ;] jf If] q %=@ k|ltztn] j[ l4 ePsf] lyof] .

tYof+ssf cg;f/ o; cjlwdf b] zsf] s"n lgof{ tdf !^=( k|ltztn] / s"n cfoftdf @&=) k|ltztn] j[ l4 ePsf] 5 . h;dWo] ef/ tk{ msf] lgof{ t !&=% k|ltztn] / cGo d'n'stkm{ sf] lgof{ t !%=& k|ltztn] j[ l4 ePsf] 5 eg] ef/ t tyf cGo d'nsaf6 ePsf] cfoft qmdzM @*=^ k|ltzt / @#=* k|ltztn] j[ l4 ePsf] 5 . lgof{ tsf] t'ngfdf cfoftsf] cfwf/ ;fy} j[ l4b/ pRr / x] sf] sf/ 0f cfly{ s jif{ @)&)÷&! sf] P3f/ dlxgfdf Jofkf/ 3f6f ?= %^# ca{ (& s/ f] 8 k'u] sf] 5 eg] lgof{ t–cfoft cg'kft cl3Nnf] jif{ sf] P3f/ dlxgfdf !#=& k|ltzt / x] sf] df ;dLIff cjlwdf !@=& k|ltztdf ;Lldt / x] sf] tYof+sn] b] vfPsf] 5 .

cfly{ s jif{ @)&)÷&!df a} +s tyf ljQLo ;+: yfx? Ps–cfk;dfufEg] ÷ufleg] sfo{ n] yk ult lnPsf] 5 . a} s tyf ljQLo ;+: yfx? Ps cfk;df ufEg] ÷ufleg] qmddf ePsf] j[ l4;Fu} ltgLx?sf] ;+Vofdf s] xL sdL cfPtfklg tL ;+: yfx?sf] zfvf ;~hfndf ePsf] lj: tf/ n] ljQLo kFx'r clej[ l4 x'Fb} uPsf] 5 . @)&) c;f/ ;Dddf jfl0fHo a} +sx? #!, ljsf; a} +sx? *^, ljQ sDkgLx? %( / n3'ljQ ;+: yf #! u/ L a} +s tyf ljQLo ;+: yfx?sf] s"n ;+Vof @)& / x] sf] df @)&! cfiff9 ;Dddf qmdz #), *$, %# / #& u/ L s"n a} +s tyf ljQLo ;+: yfx?sf] ;+Vof @)$ / x] sf] 5 eg] logsf s"n zfvf ;+Vof #$#) k'u] sf] 5 .

cGt/ f{ li6«o d'b|fsf] ifsf cg';f/ ljZjsf] cfly{ s j[ l4b/ ;g\ @)!$ df #=^ k|ltzt / ;g\ @)!% df #=( k|ltzt / xg] k|If] k0f / x] sf] 5 . sf] ifsf cg';f/ ;g\ @)!$ df cd] l/ sL cy{ tGq @=* k|ltztn] / o'/ f] If] qsf] cy{ tGq !=@ k|ltztn] j[ l4 x'g] cg'dfg 5 eg] pbLodfg tyf ljsf;zLn b] zx?sf] cy{ tGq $=( k|ltztn] a9\g] cg'dfg sf] ifn] u/ ] sf] 5 . To;} u/ L, ;g\ @)!# df qmdzM $=$ k|ltzt / &=& k|ltztsf] cfly{ s j[ l4b/ xfFl;n u/ ] sf l5d] sL d'n'sx? ef/ t / rLgsf] cy{ tGq ;g\ @)!$ df qmdzM %=$ k|ltzt / &=% k|ltztn] j[ l4 x'g] sf] ifsf] cg'dfg 5 . O/ fs nufot k] 6«f] lnod pTkfbs vf8L d'n'sx?df cfGtl/ s åGå a9\g] qmdn] ef/ tdf k] 6«f] lnod kbfy{ sf] d'No a9\g] ;Defjgfsf sf/ 0f d'b|fl: kmltdf rfk kg] { / ef/ tdf x'g] d"No a[ l4sf] c;/ cfoft dfkm{ t g] kfndf ;d] t kg] { ;Defjgf / x] sf] 5 .

#= ut cfly{ s jif{ sf pknJwL tyf efjL sfo{ qmdM a} sn] lgoldt ?kdf cfkm\gf] Joj;fodf Jofks clej[ l4 ub} { n} hfg ;s] sf] ;a} df ljlbt} 5 . of] qmdnfO{

lg/ Gt/ tf lbg a} +s Joj: yfkg ;lqmo / xL / xg] 5 eGg] d} n] k"0f{ ljZjf; lnPsf] 5' . a} +sn] xfFl;n u/ ] sf ljleGg ;jn kIfx?nfO{ yk ;'b[ 9Ls/ 0f ub} { n} hfg] s'/ fdf z] o/ wgL dxfg'efjx?nfO{ ljZjf; lbnfpg rfxG5f} + .

Ohfht k|fKt !) lhNnfx?df a} +ssf] ;] jf lj: tf/ ug{ ljleGg : yfgx?df ;DefJotf cWoog u/ L yk zfvf sfo{ nox? vf] nL a} lsª ;~hfnnfO{ cem lj: tf/ / ;'b[ 9 ub} { nUg] gLlt cg'?k cf=j=@)&)÷&! Dff bnbn] ,



gjnk/ f;L / zf/ bfgu/ , lrtjgdf zfvf vf] nL sf/ f] jf/ ;'rf? 5 eg] o;} jif{ jfO{ ;hf+Fu/ sfp06/ nfO{ : t/ f] Gglt u/ L zfvfdf kl/ 0ft ul/ Psf] 5 . xfn o; a} ssf] Ps s] Gb|Lo sfo{ no ;lxt zfvf ;+Vof !) k'u] sf] 5 . zfvf ;+Vof ;lxtsf] sfo{ If] q lj: tf/ n] yk ;+hfn lj: tf/ x'g uO{ cfufdL lbgx?df cem j9L k|lt: kwL{ / u'0f: t/ Lo ;] jf k|bfg ug{ j} +s ;Ifd / xg] ljZjf; lnPsf] 5' / cfufdL lbgx?df cem a9L k|lt: kwL{ / u'0f: t/ Lo ;] jf k|bfg ug] { tyf eO{ / x] sf zfvfx?sf] u'0f: t/ tyf Ifdtf lj: tf/ ug] { tkm{ ;+rfns ;ldlt tyf Joj: yfkg rgfvf] eO{ nflu kg] { Joxf] / f d oxf+x? ;dIf hfgsf/ L u/ fpg rfxG5' .

g] kfnsf] xfnsf] a} lsª kl/ b[ Zo x] bf{ j} s tyf ljQLo ;+: yfx? larsf] s8f k|lt: kwf{ , ltgsf] ;+VofTds j[ l4, ;fgf] k"FhLdf sfd ubf{ 7"nf kl/ of] hgfx?df nufgL ug{ c;dy{ eO{ ;f] af6 jl~rt x'g' kg] { cj: yf tyf sfo{ If] q ;+s'rgsf] sf/ 0f Jofj;fo lj: tf/ ug{ c;xh kl/ l: yltsf] >[ hgf ePsf] n] sfo{ If] q lj: tf/ ug{ , ljQLo ;+: yfk|ltsf] hgljZjf; a9fpg / fi6« a} +sn] ;d] t dh{ / nfO{ k|f] T;fxg u/ ] sf] ;Gbe{ df / fli6«o : t/ sf] ljsf; j} +s aGgsf] nflu o; j} +sn] cf] d kmfO{ gfG; ln= ;+u dh{ sf] nflu g] kfn / fi6« a} +saf6 ;xdlt kq -Letter of Intent_ k|fKt ul/ ;s] sf] / cGo k|lqmofx? cufl8 al9/ x] sf] hfgsf/ L u/ fpFb} dh{ ;DaGwL ;Dk"0f{ k|lqmof k"/ f eP kZrft ljz] if ;fwf/ 0f ;efaf6 dh{ / ;DaGwL k|: tfj kfl/ t u/ L cufl8 al9g] 5 .

g] kfnsf] cfly{ s ljsf;df / ] ld6\ofG;sf] 7"nf] of] ubfg / x] sf] 5 . kl5Nnf lbgx?df of] s"n ufx{ : y pTkfbgsf] dxTjk"0f{ lx: ;f klg ag] sf] 5 . ljk|] if0f cfk|jfxdf ut jif{ sf] t'ngfdf o; jif{ @^=$ k|ltztn] j[ l4 eO{ ?= $() ca{ (% s/ f] 8 k'u] sf] 5 . o; a} +sn] ljleGg dlg 6\fG;km/ sDkgLx?;Fu ;Demf} tf / ;xsfo{ u/ L j} +ssf laleGg zfvfx?af6 l56f] 5l/ tf] ?kdf ;lhn} / sd e'QmfgLsf] Joj: yf u/ L ljk|] if0f ;] jf k|bfg ub} { cfO{ / x] sf] 5 . h;n] ubf{ u|fdL0f e] usf ;j{ ;fwf/ 0f hgtf nfeflGjt t ePs} 5g\ o;sf] ;fy;fy} a} +ssf] ljljw cfDbfgL tyf lgIf] kdf ;d] t ;sf/ fTds c;/ k/ ] sf] 5 . o;sf cnfjf xfd|f ;] jfu|fxLx?sf] ;'ljwfsf] nflu b] zleqg} Ps 7fp+af6 csf] { 7fpFdf / sd : yfgfGt/ 0f ug] { ;] jf k|bfg ub} { cfPsf] / cfufdL lbgx?df o;nfO{ cem k|efjsf/ L 9+un] cufl8 a9fO{ ;] jfnfO{ ;xh jgfO{ g] 5 .

;"rgf k|ljlwsf] ljsf;sf ;fy} u|fxsju{ sf] rfxgfnfO{ kl/ k"lt{ ug{ ;"rgf k|ljlwsf] pNn] vgLo e"ldsfnfO{ Wofgdf / fvL ;dofg's"n ;'wf/ Pj+ ljsf; ub} { nfg] nIo cg'?k o; jif{ df Banking Software nfO{ ;do ;fk] If s] Gb|Ls[ t u/ L gof+ Version df Up-grade ug{ nfluPsf] 5 . xfn ;+rfngdf / x] sf !) j6} zfvf sfo{ fnox?nfO{ Pp6} ;+hfndf cfj4 u/ L Any Branch Banking Service (ABBS) ;] jf k|bfg ub} { cfO{ / x] sf] 5 . ;fy} j} +sn] & j6f zfvf sfo{ fnox?jf6 cfkm\g} ATM d] l;g h8fg u/ L ;] jf k|bfg ub} { cfO{ / x] sf] 5 . j+} ssf z] o/ wgL tyf u|fxs dxfg'efjx?sf] nflu ;xL / b|'t ;"rgfsf] xs kl/ k"lt{ sf] nflu a} sn] cfkm\gf] j] e ;fO{ 6 www.kamanabank.com.np dfkm{ t cfjZos ;Gb] z / ;"rgfx? ;dod} k|jfx ug] { ul/ Psf] 5 .

g] kfn / fi6« a} +sn] lghL If] q;+usf] ;xsfo{ df ;+rfng u/ ] sf] Electronic Cheque Clearing sf] ;b: otf lnO{ E-Clearing dfkm{ t r] s lSnol/ ªsf] ;'ljwf k|bfg ub} { cfPsf] 5 . o; j} +ssf] zfvf gePsf : yfgx?, sf7df08f} nufot cGo zx/ x?af6 ;d] t o; a} +ssf] r] s e'QmfgLsf] nflu Citizens Bank International Limited / Reliable Development Bank Limited ;+u ;Demf} tf u/ L oL ;+: yfx?sf ;a} zfvfx?af6 o; a} +ssf] r] s e'QmfgLsf] Joj: yf ldnfOPsf] 5 .

j} sn] shf{ df lglxt hf] lvdnfO{ Go'gLs/ 0f ug] { x] t'n] shf{ ljljlws/ 0fdf hf] 8 lb+b} cfO{ / x] sf] 5 . ;f] cg';f/ Pp6} If] qdf dfq cfkm\gf] nufgLnfO{ s] Gb|Ls[ t gu/ L ljleGg If] qx? h: t} M Jofkf/ , cfjf;, xfo/ kr] { h, z} lIfs, j} b] lzs / f] huf/ shf{ sf] cnfjf ljleGg s[ lif If] q, ko{ 6g If] q, pTkfbgzLn If] q, ;] jf If] qsf ;fy} ljleGg



n3' pBdsf If] qx? tyf pTkfbsTj a9fO{ / f] huf/ L >[ hgf x'g] vfnsf If] qx?df cfkm\gf] nufgLnfO{ hf] 8 lbFb} cfO{ / x] sf] 5 . eljiodf klg o: nfO{ lg/ Gt/ tf lbO{ g] 5 . ljkGg ju{ tyf pTkfbgzLn If] qdf nufgLsf cnfjf u|fxsx?sf] dfu / rfxfgf cg';f/ ;'g rf+bL lwtf] shf{ df ;d] t nufgL ub} { cfO{ / x] sf] / o;sf] k|efj ;sf/ fTds / x] sf] sf/ 0f cfjZostf cg';f/ cGo ;+efljt b] lvPsf zfvfx?jf6 ;d] t ;'g rf+bL lwtf] df shf{ sf/ f] jf/ sf] yfngL ug] { , nufgLdf / x] sf ;du| shf{ x?sf] pRr u'0f: t/ nfO{ sfod / fVb} hf] lvd Go'gLs/ 0fdf k|efjsf/ L pkfox?sf] cjnDjg u/ L shf{ cg'udgnfO{ j} 1flgs tj/ af6 k|of] udf Nofpg] tyf shf{ tyf ;fk6df k|fKt x'g] k|ltkmnnfO{ pRr / fVg j} s ;w} k|oTgzLn / xg] 5 .

$= dfgj ;+;fwgM a} +ssf] Jofj;flos p2] Zo k|flKt ug{ dfgj ;+;fwgsf] dxTjk"0f{ e"ldsf / xg] tYonfO{ x[ bo+udub{ } u|fxs

;] jfnfO{ pRrtd ;Gt'li6df k'¥ofpg pko'St dfgj ;+;fwg Aoj: yfkg x'g' kg] { tYok|lt a} +s ljZjf; / fVb5 . a} +ssf] pRr Joj: yfkgdf a} +lsË If] qdf nfdf] cjlwsf] sfo{ cg'ej xfFl;n ul/ ;s] sf of] Uo tyf bIf sd{ rf/ Lx?

/ xg' ePsf] 5 . sd{ rf/ Lx¿sf] Ifdtf ljsf;sf] nflu pko'Qm jftfj/ 0f ;[ hgf u/ L pgLx¿sf] OdfGbf/ L, Jofj;flos bIftf, cfk;L ;b\efj, l;h{ gzLntf, ldn] / sfd ug] { afgLsf] ljsf; h: tf ljifox¿nfO{ k|j4{ g tyf sfof{ Gjog ug] { tkm{ a} +s k|oTgzLn / xL cfPsf] 5 . sd{ rf/ Lx? cd"No ;DklQ x'g\ eGg] dfGotfnfO{ cfTd;ft u/ L sd{ rf/ Lx?sf] j[ lQ lasf; tyf bIftf clej[ l4 ug{ ;do ;dodf laleGg cfGtl/ s tyf afx\o k|lzIf0fx¿, tflnd, uf] i7L tyf ;] ldgf/ x?df ;xefuL u/ fp+b} cfPsf 5f} + . sd{ rf/ Lx?sf] sfo{ s'zntfdf j} +ssf] ;kmntf lge{ / / xg] x'gfn] sd{ rf/ L egf{ ubf{ sd{ rf/ Lsf] of] Uotf, bIftf, Pj+ cg'ejsf] cfwf/ df 5gf} 6 ug] { ul/ Psf] 5 . sd{ rf/ Lx?sf] dgf] jn pRr / fVg jflif{ s sfo{ ;Dkfbg d"Nof+sg u/ L ;f] xL adf] lhd lghx?sf] ;do ;fk] If tnj tyf ;'lawfdf k'g/ fjnf] sg ug] { , j9'jf ug] { tyf u|] 8 yk ug] { kl/ kf6Lsf] lasf; ul/ Psf] 5 . pRr Joj: yfkg / sd{ rf/ L lar lgoldt ;+rf/ sf] nflu lgoldt ?kdf j} 7s j;L efjL sfo{ qmd Pj+ / 0flgltsf af/ ] df ;fd'lxs ?kdf 5nkmn u/ L lg0f{ o k|lqmofdf sd{ rf/ Lx?nfO{ ;xefuL u/ fpg] ul/ Psf] 5 . xfn j} +sdf hDdf &) hgf sd{ rf/ Lx? sfo{ / t / x] sf 5g .

%= ;fdflhs pQ/ bfloTjM d'n'ssf] ljQLo tyf cfly{ s If] qdf ;3g ¿kdf ;+nUg / xg'sf] cltl/ St of] a} +s ;+: yfut ;fdflhs pQ/ bfloTj

(Corporate Social Responsibility) k'/ f ug{ ;d] t p2t / xL cfPsf] 5 . a} sn] ;dfhk|ltsf] ;fdflhs pQ/ bfloTj jxg ub} { cfpg] qmddf cf7f} + jflif{ s pT;jsf] k'lgt cj;/ df n] vgfy ! e08f/ l9sdf cjl: yt lbklzvf ;fd'bflos k': tsfnonfO{ @% xhf/ d'No j/ fj/ sf] laleGg k': tsx? pknJw u/ fPsf] 5 . j} +sn] laleGg vfnsf ;fdflhs ;+3 ;+: yfx?n] cfof] hgf u/ ] sf ;fdflhs / dfglao ;] jfsf sfo{ qmdx?df k|fof] hs tyf ;x k|fof] hssf] ?kdf ;d] t pkl: ylt hgfO{ cfly{ s ;xof] u ub} { cfPsf] 5 . cfufdL lbgx?df ;d] t lzIff, : jf: Yo, wfld{ s Pjd\ jftfj/ 0f ;DaGwL cGo ;fdflhs sfo{ x?df a} +ssf] ;xeflutfnfO{ lg/ Gt/ tf lbOg] 5 .

^= ;+: yfut ;'zf;gM cfkm} n] agfPsf gLlt lgod tyf ;DalGwt lgodgsf/ L lgsfox¿af6 lbOPsf gLlt lgb] { zgx¿sf] k"0f{ ¿kdf

kfngf ug{ a} +s k|lta4 5 . a} +sn] ;+rfng u/ ] sf sfo{ qmdx¿ kf/ bzL{ , Joj;flos Pj lgod;+ut 5g\ . ;+rfns ;ldltsf sfd sf/ jfxLx? tyf a} +ssf cGo ;a} lqmofsnfkx? kf/ bzL{ ?kdf ;+Rffng u/ L ;+: yfut ;'zf;gsf] k"0f{ kfngf Pj+ ljsf; ug{ tyf ;f] sf] cg'e"lt u/ fpg a} +s ;b} j lqmofzLn 5 . a} +sn] g] kfn / fi6« a} +s Pj+ ;DalGwt lgodgsf/ L lgsfox?af6 ;do ;dodf hf/ L ePsf gLlt, lgb] { zgx?nfO{ ;hutfsf ;fy k"0f{ ?kdf kfngf ub} { cfPsf] 5 .



cfGtl/ s n] vf k/ LIfsaf6 q} dfl;s ?kdf ;Dk"0f{ cfly{ s ultljlwx?sf] cWoog u/ L tof/ kf/ ] sf] n] vf k/ LIf0f k|ltj] bg pk/ cfGtl/ s n] vf k/ LIf0f ;ldltn] 5nkmn ub{ 5 . To;} u/ L n] vfk/ LIf0f ;ldlt dfkm{ t afXo tyf cfGtl/ s n] vf k/ LIfsn] lbPsf] ;'emfj / ;Nnfxx?nfO{ ;d] t ;+rfns ;ldltn] k"0f{ ;hutfsf ;fy sfof{ Gjog ub} { cfPsf] 5 .

&= Jofj;flos ;DjGw lj: tf/ M Joj;flos sf/ f] jf/ sf] l;nl;nfdf cfkm\gf u|fxsx¿nfO{ ;'ljwf k'uf] ;\ eGg] p2] Zon] ljleGg a} +s, ljQLo

;: +yfx¿ tyf cGo ;/ sf/ L Pjd\ u} x| ;/ sf/ L ;+: yfx?;+u ;Demf} tf u/ L ;xsfo{ ub} { cfPsf] 5 . ljQLo ;+: yfx¿ aLrsf] ;DaGw tyf Aoj;flos k|lt: kwf{ df : jR5tf clea[ l4 ug{ ;+: yf ;b} j k|oTgzLn / x] sf] 5 . o; ;: +yfn] cfKfm\gf] sf/ f] jf/ ;Fu ;DalGwt u|fxsx¿, Joj;flos Pj+ cfB} flus k|lti7fg, ;3+ ;: +yfx¿ tyf ljleGg lgsfox¿;u+ ;f} xfb|k"0f{ tyf Joj;flos ;DaGw sfod / fVb} cfPsf] 5 .

*= cfGtl/ s lgoGq0f k|0fnLM al+} sË Joj;fodf lglxt hf] lvdx?nfO{ b[ li6ut ubf{ ;an cfGtl/ s lgoGq0f k|0ffnL x'g' clt cfjZos 5 eGg]

s'/ fdf j} +s ;b} j ;hu / x] sf] 5 . a} +ssf] cfkmgf] Joj;fo lj: tf/ ;Fu} To;df cGt/ { gLlxt hf] lvdx? Go"gLs/ 0f ug{ sf] nflu cfGtl/ s lgoGq0f k|0ffnLsf] dxTjk"0f{ e"ldsf / x] sf] x'G5 . ;f] lx cg'?k a} +lsË Joj;fodf lglxt shf{ , ahf/ tyf ;+rfng nufotsf hf] lvdx?nfO{ dWogh/ ub} { a} +sn] cfGtl/ s lgoGq0f k|0ffnLnfO{ c´ dhj't agfpFb} n} hfg] gLlt lnPsf] 5 . a} +ssf] x/ ] s lqmofsnfkx? : jLs[ t sfo{ ljlw dfkm{ t lgb] { lzt / xg'sf ;fy} lgoldt ?kdf cfGtl/ s n] vf kl/ If0f laefusf] lgoGq0f / ;'kl/ j] If0fdf / x] sf 5g\ . a} ssf] ;Dk"0f{ sf/ f] af/ sDKo"6/ k|0ffnLsf dfWodaf6 ;+rfng ug{ ] ul/ Psf] 5 . ljQLo sf/ f] jf/ nfO{ ;/ nLs/ 0f ug{ g] kfn / fi6« a} +ssf] clwgdf / xL ;+: yfn] ljleGg k|sf/ sf gLlt, lgod, lgb] { lzsf, ljlgodfjnL agfO{ nfu' ub} { cfPsf] 5 . cfGtl/ s n] vfk/ LIf0f ljefun] a} +ssf x/ ] s ljefu tyf zfvfx?sf] lgoldt ?kdf n] vfk/ LIf0f ug] { u/ ] sf] 5 . n] vfk/ LIf0f ;ldltn] ;+: yfsf] cfGtl/ s tyf afx\o n] vfk/ LIf0fsf] l;nl;nfdf b] lvPsf s} lkmotx?sf] ljZn] if0f u/ L cfGtl/ s lgoGq0f / To;sf] k|efjsfl/ tfsf] af/ ] df ;dLIff ug] { , k'g/ fjnf] sg ug] { / cfjZos ;'wf/ sf] nflu ;do ;dodf Aoj: yfkgnfO{ cfjZos ;'emfj Pj+ lgb] { zgx? lbg] u/ ] sf] 5 .

(= ;+rfns ;ldltdf x] / km] / M ;dLIff cjlwdf cfkm\gf] sfo{ Jo: ttf Pj+ 3/ fo;L sf/ 0f ;+: yfksx?sf] tkm{ jf6 k|ltlglwTj ug] { ;+rfns

;ldltsf ;b: o >L l/ j axfb'/ yfkfn] ;+rfns kbjf6 / flhgfdf lbg'ePsf] n] ;f] l/ Qm kbdf ;+rfns ;ldltsf] ldlt @)&)÷!@÷)# ut] sf] a} 7ssf] lg0f{ o adf] lhd >L lji0f'/ fh k/ fh'nLnfO{ ;+rfns kbdf dgf] lgt ul/ Psf] 5 . >L l/ j axfb'/ yfkfnfO{ pxfFn] o; ;+: yfdf / x] / k'¥ofpg' ePsf] of] ubfgsf] pRr sb/ ub} { xflb{ s wGojfb 1fkg ub{ 5' .

!)= j} +ssf] sf/ f] jf/ df c;/ kfg] { d'Vo s'/ fx?M u|fdL0f If] qx?df a} +s tyf ljQLo ;+: yfx?sf] pkl: yltsf sf/ 0f a} +lsË ;] jf lj: tf/ x'g'sf ;fy} k|fyldstf k|fKt

If] q / ljkGg ju{ sf] pTyfgdf cfjZos ;xof] u k'lu/ x] sf] 5 eg] cfw'lgs a} lsË ;] jfaf6 sfo{ k|0ffnLdf yk ;xhtf k|bfg u/ ] sf] 5 . cy{ tGqdf cgfjZos lgoGq0f x6fPs} sf/ 0f a} lsË If] qsf] k|j4{ gdf of] ubfg k'u] sf] xf] . kl5Nnf] bzsdf cGo If] qsf] t'ngfdf ljQLo ;+: yfx?sf] a[ l4n] ljQLo ahf/ sf] cj: yf alnof] b] lvPtfklg ljleGg s'/ fx?n] ljQLo ahf/ nfO{ k|ToIf jf ck|ToIf ?kdf c;/ kfb{ 5g\ .



sDkgLsf] sf/ f] jf/ df vf; u/ ] / lgDg lsl;dsf hf] lvdx? lglxt / xg] b] lvG5 . / fi6«sf] cfly{ s, df} lb|s tyf ljQLo gLlt kl/ jt{ gaf6 kg{ ;Sg] c;/ x? . b] zdf ljBdfg t/ n / fhgLlts cj: yf . bIf Pj+ of] Uo dfgj ;+zfwgsf] cefj tyf knfogaf6 kg{ ;Sg] c;/ x? . ;dfg ;] jf k|bfos ljQLo ;+: yfx?sf] zfvf ;+hfndf ePsf] j[ l4sf sf/ 0fn] ;[ lht k|lt: kwf{ . j] nf j] nfdf b] vf kg] { clws jf Go'g t/ ntfsf] ;d: of . lgIf] k tyf shf{ nufgL Jofhb/ df x'g] kl/ jt{ gaf6 kg{ ;Sg] c;/ / hf] lvdx? . ;du| b] zsf] cfly{ s cj: yfsf] sf/ 0fn] oyf;dodf shf{ c;'nL geO{ pTkGg x'g ;Sg] hf] lvdx? . b] zsf] k+'hL jhf/ df cfpg ;Sg] ptf/ r9fjaf6 kg{ ;Sg] hf] lvdx? . shf{ tyf nufgLsf] bfo/ f ;fF3'l/ P/ pTkGg x'g;Sg] hf] lvdx? . cGt/ f{ li6«o ?kdf x'g] cfly{ s dGbLaf6 g] kfnL ahf/ df kg{ ;Sg] c;/ af6 x'g;Sg] cfly{ s hf] lvdx? .

!!= n] vf k/ LIf0f k|ltj] bgsf ;DaGwdf ;+rfns ;ldltsf] k|ltlqmofM lgoldt sf/ f] jf/ df x'g] ;fdfGo s} lkmot afx] s cGo s'g} gsf/ fTds s} lkmot n] vf k/ LIf0f k|ltj] bgdf b] lvPsf]

5} g . n] vf kl/ Ifsn] lbPsf ;'emfjx?sf] sfof{ Gjogsf] nflu Joj: yfkgnfO{ lgb] { zg lbO{ ;lsPsf] / ;f] xL cg'?k clwsf+z ;'emfjx? sfof{ Gjogdf NofO{ ;s] sf] Joxf] / f hfgsf/ L u/ fpg rfxG5' .

!@= nfefFz afF9kmfF8 ug{ l;kmfl/ ; ul/ Psf] / sd M cf=a= @)&)÷&! ;Dd ;+lrt d'gfkmfaf6 r'Qmf kF"hLsf] !=!)% k|ltztsf b/ n] x'g cfpg] ?= @%, $@, !)%.@^

-klRr; nfv aofnL; xhf/ Ps ;o kfFr / 5AaL; k} ;f dfq_ s/ k|of] hgsf] nflu gub nfef+z ljt/ 0fsf] nflu tyf r'Qmf k+'hLsf] @! k|ltztsf] b/ n] x'g cfpg] ?=$, *#, )), ))).–-cIf?kL rf/ s/ f] 8 lqof;L nfv dfq_ jf] gz z] o/ ljt/ 0fsf] nflu l;kmfl/ ; ul/ Psf] 5 .

!#= hkmt ul/ Psf] z] o/ ;+Vof M ;dLIff jif{ df s'g} klg z] o/ hkmt ul/ Psf] 5} g .

!$= a} +s / o;sf] ;xfos sDkgLx?;Fusf] sf/ f] jf/ M a} +ssf] s'g} klg ;xfos sDkgL 5} g .

!%= a} +ssf d"n z] o/ wgLx?n] ;dLIff cjlwdf a} +snfO{ lbPsf] hfgsf/ L M s] xL gePsf] .

!^= ljut cfly{ s jif{ df a} +ssf ;+rfns tyf kbflwsf/ Lx?n] lnPsf] z] o/ : jfldTj ljj/ 0f M s] xL gePsf] .

!&= a} +s;Fu ;DalGwt ;+emf} tfx?df s'g} ;Frfns tyf lghsf cfkmGtsf] JolQmut : jfy{ ;DaGwL hfgsf/ L M s] xL gePsf] .

!*= k'g M v/ Lb ul/ Psf] z] o/ x?sf] ljj/ 0f M ;dLIff cjlwdf z] o/ x?sf] k'gM vl/ b sfo{ ePg .



!(= s"n Joj: yfkg vr{ M

sd{ rf/ L vr{ @, #(, *!, #))÷#%

;+rfng vr{ @, *!, !!, &&(÷)*

s"n vr{ %, @), (#, )&(÷$#

@)= n] vfkl/ If0f ;ldltsf kbflwsf/ Lsf] gfd, sfd, st{ Jo / ;'ljwf M g] kfn / fi6« a} +ssf] lgb] { zg adf] lhd cfGtl/ s lgoGq0f k|0ffnLnfO{ r': t b'?: t / fVg lgDgfg';f/ sf] n] vf k/ LIf0f

;ldlt u7g eO{ sfo{ / t / x] sf] hfgsf/ L u/ fpFb5' . ;+of] hs >L b] js[ i0f sfkm\n] ;+rfns ;b: o >L / fdsfhL >] i7 ;+rfns ;b: o ;lrj >L ljsfz 9'+ufgf jl/ i7 clws[ t n] vfk/ LIf0f ;ldltn] cfGtl/ s tyf jfx\o n] vf k/ LIfsn] tof/ kf/ ] sf] k|ltj] bgsf] lgoldt ?kdf j} 7s a;L

To; k|ltj] bgdf p7fOPsf s} lkmotx?sf af/ ] df 5nkmn ug] { , a} +ssf] ljQLo l: ylt, cfGtl/ s lgoGq0f, ljleGg hf] lvd Pjd\ r'gf} ltx?sf] cWoog Pjd\ Joj: yfkg, lgoldt sfo{ ;Dkfbg cflbsf] af/ ] df lgoldt ?kdf ;dLIff ug] { ub{ 5 . ;f] k|ltj] bgdf cf} +NofOPsf s} lkmotx? dfly 5nkmn u/ L ;+rfns ;ldltdf / fo ;'emfj k] z ug'{ sf ;fy} cfjZos ;'wf/ sf nflu Joj: yfkgnfO{ ;dod} lgb{ ] zg lbg] / lbOPsf] lgb{ ] zgx?sf] sfof{ Gjogsf af/ ] df k'g/ fjnf] sg ;d] t ug{ ] u/ ] sf] 5 . ;fy} ;do ;dodf pQm k|ltj] bg / To;sf] sfof{ Gjogsf af/ ] df eP u/ ] sf] k|ultsf] ljj/ 0f ;~rfns ;ldlt ;dIf hfgsf/ L u/ fpg] ;d] t ul/ Psf] 5 . n] vf k/ LIf0f ;ldltsf ;+of] hs Pj+ ;b: ox?nfO{ a} 7s eQf jfkt k|lt j} 7s ?=@, )))/ – lbg] ul/ Psf] 5 .

@!= ;+rfns, sfo{ sf/ L k|d'v, a} +ssf cfwf/ e"t z] o/ wgL jf lghsf cfkmGtn] a} +snfO{ a'emfpg afFsL / sd M s] xL gePsf] .

@@= ;+rfns, sfo{ sf/ L k|d'v tyf kbflwsf/ Lx?nfO{ e'QmfgL ul/ Psf] kfl/ >lds eQf tyf ;'ljwfsf] ljj/ 0f M;+rfnsx? M!= >L / fh] Gb|lglw sf] O{ / fnf cWoIf@= >L Ps/ fh hd/ s§] n ;+rfns#= >L v] dgfy e§/ fO{ ;+rfns$= >L b] js[ i0f sfkm\n] ;+rfns%= >L lji0f'/ fh k/ fh'nL ;+rfns^= >L / fdsfhL >] i7 ;+rfns&= >L b] jfg u'?Ë ;+rfns*= >L / fds'df/ lkof ;+rfns

cfly{ s jif{ @)&)÷&! df ;+rfns ;ldltsf] j} 7s !* k6s j;] sf] / ;+rfns ;ldltsf] a} 7sdf pkl: yt x'Fbfsf] a} 7s eQf lgodfjnLdf pNn] v eP adf] lhd cWoIf Pjd\ ;+rfnsx?nfO{ qmdzM k|lt a} 7s eQf ? $, %)).–, ? $, ))).– lbg] ul/ Psf] 5 . cfly{ s jif{ @)&)÷&! df a} 7s eQf : j?k ;+rfnsx?nfO{ ?=$^%, )))÷– -cIf?kL rf/ nfv k} ;7L xhf/ dfq _ e'QmfgL ul/ Psf] 5 . o; afx] s ;+rfnsx?nfO{ dfl;s ?kdf kq klqsf tyf 6] lnkmf] g ;'lawf jfkt?= !, %))÷– k|bfg ul/ Psf] 5 . To: t} cfly{ s jif{ @)&)÷&! df k|d'v sfo{ sf/ L clws[ tnfO{ s"n jflif{ s tna eQf ? @#, $@, @)@÷%) e'QmfgL ul/ Psf] 5 . dfl;s? !, ))).– sf b/ n] df] jfOn



vr{ e'QmfgL ug] { ul/ Psf] 5 eg] b'3{ 6gf ljdf, cf} iflw pkrf/ ladf a} +ssf] sd{ rf/ L ljlgodfjnLdf pNn] v ul/ P adf] lhd k|bfg ul/ Psf] 5 . k|d'v sfo{ sf/ L clws[ tsf] kfl/ >lds ;d] t Joj: yfkgsf cGo sd{ rf/ Lsf] kfl/ >lds / ;'ljwf u/ L ;dLIff jif{ df hDdf ?= %!, #$, *##÷&%-cIf?kL PsfpGg nfv rf} lt; xhf/ cf7 ;o t] QL; ?k} +of krxQ/ k} ;f dfq_ vr{ ePsf] hfgsf/ L u/ fpFb5' .

@#= z] o/ wgLx?n] a'lemlng afFsL / x] sf] nfef+z M ut jif{ ;Dd ljt/ 0f ul/ Psf] nfef+zaf6 z] o/ wgLx?n] a'lemlng afFsL / sd ?$!!, ##@÷@% / x] sf] 5 .

@$= k+'hLsf] k|of{ Kttf M g] kfn / fi6« a} +ssf] lgb{ ] zg cg';f/ j} ssf] k|fylds k'+hL cg'kft %=% k|ltzt / k+'hLsf] if cg'kft !! k|ltzt x'g'

kg] { Joj: yf / x] sf] 5 . cfly{ s jif{ @)&)÷&! df o; j} ssf] k|fylds k+'hL cg'kft !@=*# k|ltzt / k+'hLsf] if cg'kft !#=&^ k|ltzt sfod / x] sf] 5 . o;/ L @)&! sf] cfiff9 d;fGt;Dddf g] kfn / fi6« j} +ssf] Go'gtd dfkb08 eGbf k|fylds k+'hL cg'kft / k+'hL sf] if cg'kft qmdz M &=## k|ltzt / @=&^ k|ltztn] j9L / x] sf] 5 .

@%= s[ t1tf 1fkg M : yfkgfsf] 5f] 6f] cjlwdf a} +sn] cfkm\gf ljQLo lqmofsnfkx?nfO{ ;kmntf k"j{ s ;+rfng ub} { , z] o/ wgL

dxfg'efjx?nfO{ cfs{ ifs k|ltkmn k|bfg ub} { cfO{ / x] sf] oxfFx? ;a} df ljlbt} 5 . cfkm\gf] ljQLo ;] jfx? ljsf;sf cltl/ Qm sfo{ If] q lj: tf/ u/ L cfkm\gf] cfly{ s ultljlwx?df pNn] Vo k|ultx? xfl;n ePsf] s'/ f dflysf ljQLo kl/ ;"rsx?n] klg b] vfPsf 5g . a} +ssf] of] pT;fxhgs pknlAw xfFl;n ug] { l;nl;nfdf xfdLnfO{ ljZjf; ug'{ x'g] ;Dk"0f{ lgIf] kstf{ , ;] jfu|fxL, z'e] R5's, ;xof] uL, ;+: yfks tyf ;j{ ;fwf/ 0f z] o/ wgL dxfg'efjx? tyf a} +ssf] Aoj: yfkgdf bQlrQ / nugzLn eO{ of] ubfg k'¥ofpg' x'g] ;Dk"0f{ sd{ rf/ Lx? ldqx?k|lt xflb{ s cfef/ AoQm ub{ 5' . a} +sn] cfufdL lbgx?df cem a9L ;kmntf xfFl;n ug{ df ;Dk"0f{ z] o/ wgL, z'elrGts dxfg'efjx?, Joj: yfkg ;d"x tyf sd{ rf/ Lx?sf] d] xgt Pjd\ k|ltj4tf ;b} j sfod / xL / xg] 5 eGg] s'/ fdf d k"0f{ ljZj: t 5' . ;fy} cfhsf] k|lt: kwL{ o'udf ;+: yfsf] sf/ f] af/ a[ l4 ug{ sf] nflu ;Dk"0f{ sd{ rf/ L ldqx? pRr dgf] ansf ;fy cfˆgf] st{ Jo kfngfdf cl8u / x] / cfˆgf] lhDd] jf/ L s'zntfsf ;fy k"/ f ug'{ x'g] 5 eGg] k"0f{ ljZjf; lnPsf] 5' . a} +ssf ljleGg ultljlwx?sf] cWoogsf ;fy} a} +snfO{ cfkm\gf] cd"No ;'emfj pknAw u/ fO{ plrt dfu{ bz{ g k|bfg ug] { n] vfk/ LIf0f ;ldlt, hf] lvd Joj: yfkg ;ldlt, sd{ rf/ L Joj: yf tyf ;] jf ;'ljwf ;ldlt k|lt xflb{ s wGoafb k|s6 ub{ 5' . ;dod} a} +ssf] n] vf k/ LIf0f sfo{ ;DkGg u/ L dxTjk"0f{ ;'emfjx? k|bfg ug'{ ePsf] df afXo n] vf k/ LIfs Pg=cdfTo P08 sDkgLnfO{ wGojfb lbg rfxG5' . ;fy} lgodgsf/ L ;+: yfx? g] kfn / fi6« a} +s, g] kfn ;/ sf/ sf ljleGg lgsfox?, sDkgL / lhi6«f/ sf] sfof{ no, g] kfn lwtf] kq af] 8{ , g] kfn : 6s PS;r] Gh lnld6] 8, cfGtl/ s / fh: j sfof{ no nufPt a} +ssf] z] o/ / lhi6«f/ u|f] df] / dr] { G6 a} +s/ lnld6] 8sf ;fy} cGo ;+3 ;+: yfx?n] k'¥ofpg' ePsf] ;xof] uk|lt cfef/ JoQm ub{ 5' . To;} u/ L o; ;+: yfk|lt ;sf/ fTds ;f] r / wf/ 0ff / fvL ;+: yfsf] ;+: yfut ljsf;sf] nflu ;xof] uL e"ldsf lgjf{ x ul/ lbg' x'g] ;~rf/ dfWod tyf ;Dk"0f{ z'elrGtsx?k|lt xflb{ s cfef/ Pj+ wGojfb 1fkg ub{ 5' .

wGojfb Û / fh] Gb|lglw sf] O{ / fnf cWoIf ;+rfns ;ldlt



lwtf] kq btf{ tyf lgisf;g lgodfjnL @)^% sf] lgod @@ sf] pklgod -!_ ;“u ;DalGwt yk ljj/ 0f M

!_ sfg'gL sf/ jfxL ;DaGwL ljj/ 0f M b] xfo cg';f/ sf] d'2f bfo/ ePsf] eP, d'2f bfo/ ePsf] ldlt, ljifo, d'2f bfo/ ePsf] ;+: yfks jf ;~rfnssf] gfd / ;DefJo

sfg'gL pkrf/ ;DaGwL ljj/ 0f ug'{ kg] { . s_ q} dfl;s cjlwdf ;+ul7t ;+: yfn] jf ;+: yfsf] lj?4 s'g} d'2f bfo/ ePsf] eP M q} dfl;s cjlwdf o; ;+: yfn] jf o; ;+: yf lj?4 s'g} d'2f bfo/ ePsf] 5} g . v_ ;+ul7t ;+: yfsf] ;+: yfks jf ;~rfnsn] jf ;+: yfks jf ;~rfns lj?4df k|rlnt lgodsf] cj1f jf kmf} hbf/ L ck/ fw

u/ ] sf] ;DaGwdf s'g} d'2f bfo/ u/ ] sf] jf ePsf] ePM o; ;+: yfsf] ;+: yfks jf ;~rfnsn] jf ;+: yfks jf ;~rfnssf] lj?4df k|rlnt sfg'g lgodsf] cj1f jf kmf} hbf/ L

ck/ fw u/ ] sf] ;DaGwdf s'g} d'2f bfo/ ePsf] hfgsf/ L k|fKt ePsf] 5} g . u_ s'g} ;+: yfks jf ;~rfns lj?4 cfly{ s cj/ f] w u/ ] sf] ;DaGwdf s'g} bfo/ ePsf] ePM s'g} ;+: yfks jf ;~rfns lj?4 cfly{ s ck/ fw u/ ] sf] ;DaGwdf d'2f bfo/ ePsf] hfgsf/ L k|fKt ePsf] 5} g .

@_ ;+ul7t ;+: yfsf] z] o/ sf/ f] jf/ tyf k|ult ljZn] if0fM s_ lwtf] kq ahf/ df ePsf] ;+ul7t ;+: yfsf] z] o/ sf] sf/ f] jf/ ;DaGwdf Joj: yfkgsf] wf/ 0ffM cf=j= @)&)÷&! df b] zsf] / fhg} lts l: yltdf ;'wf/ cfpg] cfzfsf ;fy ;du| z] o/ sf/ f] jf/ df s] xL j[ l4 ePsf] b] lvG5 .

;f] xL adf] lhd o; sDkgLn] ljutsf jif{ x?df nuftf/ ljt/ 0f ub} { cfO{ / x] sf] nfef+zsf] sf/ 0f o; a} +sk|lt nufgLstf{ x?sf] pT;fx a9] sfn] ;d] t o; a} +ssf] z] o/ sf] ahf/ d"No j[ l4 x'Fb} uPsf] lyof] .

v_ ut jif{ sf] k|To] s q} dfl;s cjlwsf] z] o/ sf] clwstd\, Go"gtd / clGtd d"Nosf] ;fy} s"n sf/ f] jf/ z] o/ ;+Vof / sf/ f] jf/ lbg M o; a} +ssf] cfly{ s jif{ @)&)÷)&! sf] q} dfl;s cjlwdf ePsf] z] o/ sf/ f] jf/ lgDg cg';f/ k|: t't ul/ Psf] 5 .

ljj/ 0f k|yd q} dfl;s bf] ;|f] q} dfl;s t] ;|f] q} dfl;s rf} yf] q} dfl;sz] o/ sf] clwstd d"No ?= 166 244 290 343z] o/ sf] Go"gtd d"No ?= 122 153 209 245z] o/ sf] clGtd d"No ?= 153 205 262 340s"n sf/ f] jf/ ePsf] ;+Vof 614 477 430 449s"n sf/ f] jf/ ePsf] lbg 53 39 51 54

u_ ;d: of tyf r'gf} lt M nufgL of] Uo If] qsf] sdLn] ubf{ t/ ntf clws dfqfdf hDdf x'g', bIf Pjd of] Uo sd{ rf/ Lsf] cefj, ;~rfng ;DaGwL

hf] lvd, ;"rgf k|ljlw ;DaGwL hf] lvd cflb a} +sdf cfGtl/ s r'gf} ltx? / x] sf 5g\ . / fhg} lts ptf/ r9fj, ahf/ df b] lvPsf] clws t/ ntf, shf{ nufgLdf If] qut ;+s'rg, phf{ ;s+6, 3/ hUuf sf/ f] jf/ df lzlzntf cflb a} +ssf afXo r'gf} ltx? / x] sf 5g\ . o: tf cfGtl/ s / afXo r'gf} ltx?sf] ;dodf g} klxrfg ul/ cufl8 a9\g] gLlt a} +sn] lnPsf] 5 .

3= ;+: yfut ;'zf;gM a} +sn] ;do ;dodf g] kfn / fi6« a} +saf6 hf/ L ePsf gLlt lgb] { zg tyf kl/ kqx?sf ;fy} a} +s tyf ljQLo ;+: yf ;DaGwL

P] g lgodx?sf] kfngf ub} { cfO/ x] sf] 5 . ;fy} a} +sn] cfkm\gf cfGtl/ s gLlt lgodx?nfO{ ;d] t s8fO{ sf ;fy kfngf ub} } { cfPsf] 5 . a} +ssf ;d: of ;dodf g} klxrfg u/ L To;sf] lg/ fs0f ub} { cufl8 a9\g] clek|fon] a} +sn] cfGtl/ s n] vfkl/ If0f / hf] lvd Joj: yfkg ;ldltsf] sfdnfO{ k|efjsf/ L agfPsf] 5 eg] ;ldltx?n] lbPsf lgb] { zg tyf ;'emfjx?sf] k"0f{ kfngf ub} { cfPsf] 5 .



N. Amatya & Co.Chartered Accountants

sfdgf ljsf; a} +s lnld6] 8kf] v/ f, sf: sL, g] kfnsf

z] o/ wgL dxfg'efjx¿ ;dIfn] vfk/ LIfssf] k|ltj] bg

z] o/ wgL dxfg'efjx¿,

!= ljQLo ljj/ 0f dflysf] k|ltj] bg

xfdLn] sfdgf ljsf; a} +s lnld6] 8sf] o;} ;fy ;+nUg ljQLo ljj/ 0fx? @)&!÷#÷#@ -!^ h'nfO{ @)!$_ sf] jf;nft, / ;f] xL ldltdf ;dfKt jif{ sf] lj: t[ t gfkmf gf] S;fg lx;fa, O{ SjL6Ldf ePsf] kl/ jt{ gsf] ljj/ 0f tyf gub k|jfxsf] ljj/ 0fsf ;fy} ckgfO{ sf d'Vo d'Vo n] vf gLlt cGo ljZn] z0f o'Qm hfgsf/ L ;dfj] z 5 sf] n] vfk/ LIf0f uof} + .

@= ljQLo ljj/ 0fk|lt Joj: yfkgsf] pQ/ bfloTj

g] kfn n] vfk/ LIf0f dfg\ cg';f/ ljQLo ljj/ 0fx? pko'Qm tl/ sfn] tof/ u/ L ;f/ e"t ?kdf l7sl;t k|: t'tLs/ 0f ug'{ Joj: yfkgsf] pQ/ bfloTj xf] / hfn ;fhL jf uNtLaf6 ljQLo ljj/ 0fdf ;dfj] z cf+s8f unt gxf] ;\ eGg] x] t' Joj: yfkgaf6 cfGtl/ s lgoGq0fsf] cfjZos Joj: yf ug'{ kb{ 5 .

#= n] vfk/ LIfssf] pQ/ bfloTj

xfd|f] pQ/ bfloTj ljj/ 0fk|lt cfkm\gf] dGtJo hfx] / ug] { xf] . xfdLn] g] kfn n] vf k/ LIf0fdfg\ cg';f/ n] vfk/ LIf0f ;DkGg u/ ] sf 5f} + . pQm n] vfdfg\af6 tf] s] sf] cfrf/ ;+lxtf kfngf ub} { ljQLo ljj/ 0f ;f/ e"t ?kdf unt cf+s8f / lxt 5 eGg] s'/ fdf ljZj: t x'g n] vfk/ LIfdfg\ cg';f/ n] vfk/ LIf0f of] hgf tof/ u/ L ;f] cg';f/ n] vfk/ LIf0f ;DkGg ug'{ kb{ 5 .

ljQLo ljj/ 0fsf cf+s8f tyf v'nfO{ Psf cGo ljj/ 0fnfO{ k': 6\ofO{ ug] { k|df0f k|fKt ug] { ljlw n] vfk/ LIf0fdf ckgfPsf] x'"G5 . n] vfk/ LIf0fdf ckgfpg] ljlwsf] r'gfj xfd|f] km} znfdf lge{ / ub{ 5 / ;f] xL ljlwsf] cfwf/ df xfdLn] hfn;fhL jf uNtLsf] hf] lvdaf6 ;f/ e"t ?kdf ljQLo ljj/ 0fsf cf+s8fx? uNtL / lxt 5 eGg] Joxf] / f lgwf{ / 0f ub{ 5 . pNn] lvt hf] lvd lgwf{ / 0f ubf{ sDkgLsf] ljQLo ljj/ 0fsf] tof/ L / v'nfOPsf ljj/ 0f ;DaGwdf ckgfPsf] cfGtl/ s lgoGq0fsf] k|efjsf/ Ltfsf] ljrf/ u/ L df} h'bf kl/ l: ylt cg';f/ n] vfk/ LIf0f ljlw tof/ ub{ 5 . t/ o;n] sDkgLsf] cfGtl/ s lgoGq0f k|0ffnL slt k|efjsf/ L 5 eGg] wf/ 0ff k|: t't ug{ sf] nflu x'g] 5} g . sDkgLn] cjnDjg u/ ] sf] n] vfl;4fGtsf] pko'Qmtf Joj: yfkgn] u/ ] sf] ljQLo cg'dfgsf] cf} lrTosf ;fy} ljQLo ljj/ 0f k|: t'tLsf] ;du| l: yltsf] d"Nof+sg klg n] vfk/ LIf0f;dfj] z x'G5 . n] vfk/ LIf0fdf pknAw u/ ] sf hfgsf/ Ln] xfd|f] dGtJonfO{ kof{ Kt cfwf/ k|bfg ug] { s'/ fdf xfdL ljZj: t 5f} + .

$= dGtJo

xfd|f] / fodf ;+nUg ljQLo ljj/ 0fx?n] ;f] xL;fy ;+nUg n] vf gLlt tyf n] vf;Fu ;DalGwt l6Kk0fLx?sf ;fy} cWoog ubf{ sfdgf ljsf; a} +s lnld6] 8sf] @)&! cfiff9 #@ ut] sf] ljQLol: ylt, ;f] ldltdf ;dfKt epsf] cfly{ s jif{ sf] ;~rfng glthf / gub k|jfxsf] plrt tyf oyfy{ lrq0f u/ ] sf] / oL ljj/ 0fx? g] kfn rf6{ 8{ Psfp06] 06;\ ;+: yfaf6 hf/ L g] kfn n] vfdfg, n] vfsf] ;j{ dfGo l;4fGt tyf k|rng cg';f/ / sDkgL P] g @)^#, a} +s tyf ljQLo ;+: yf P] g @)^# / g] kfn / fi6« a} +ssf] lgb] { zg cg';f/ l7s;Fu tof/ ul/ Psf 5g\ .

%= cGo sfg'gL tyf lgodgsf/ Lsf] cfjZostf dflysf] k|ltj] bg

dfly pNn] lvt Joxf] / fsf] cltl/ Qm xfdLn] u/ ] sf] n] vf k/ LIf0f tyf xfdLnfO{ k|fKt ;"rgf Pj+ pknAw : kli6s/ 0fsf] cfwf/ df lgDgfg';f/ sf] yk k|ltj] bg k] z ub{ 5f} + .

s_ xfDLn] n] vfk/ LIf0fsf] nflu cfjZos 7fg] sf ;a} ;"rgf tyf : ki6Ls/ 0fx? oyfl;3| kfof} .

v_ xfd|f] ljrf/ df a} +sn] cfkm\gf] lx;fa lstfa k|rlnt sfg'g cg';f/ 7Ls;Fu / fv] sf] 5 .

u_ o; k|ltjbg;Fu ;DalGwt jf;nft, gfkmf gf] S;fg lx;fa / gub k|jfx ljj/ 0f tyf tT;DaGwL cg';"rLx? g] kfn / fi6« a} +sn] tf] s] sf] 9fFrf (Form) tyf a} +sn] / fv] sf] n] vf;Fu b"?: t / x] sf 5g\ .

3_ a} +sn] g] kfn / fi6« a} +saf6 hf/ L ul/ Psf] lgb] { zg adf] lhd hf] lvd Joxf] g] { sf] if (Possible Loan Loss Provision) jfkt kof{ Kt u/ ] sf] 5 . ª_ zfvf sfof{ noaf6 k|fKt ljj/ 0f n] vfk/ LIf0fsf] nflu kof{ Kt / x] sf 5g\ . r_ a} +ssf] u/ ] sf] sf/ f] jf/ To;sf] clVtof/ leq / x] sf] / oL sf/ f] jf/ ;Gtf] ifhgs ?kdf ePsf] b] lvG5 . 5_ a} +ssf] ;~rfns ;ldlt jf s'g} ;~rfns jf a} +ssf] s'g} sd{ rf/ Ln] n] vf ;DaGwL s'g} P] g sfg'g lj?4 sfd u/ ] sf] jf a} +snfO{ s'g} xfdL gf] S;fgL

jf j] lx;fa u/ ] sf] b] lvb} g . h_ a} +sn] g] kfn / fi6« a} +saf6 hf/ L lgb] { zg ljkl/ t sfo{ u/ ] sf] b] lvb} g / em_ a} +ssf] sfo{ nufgLstf{ tyf lgIf] kstf{ x?sf] lxt ;+/ If0fsf] ljrf/ u/ L ePsf] b] lvG5 .

Forth Floor,

Gajendra Bhawan1784/ 42 Ramshah PathKathmandu, Nepal



@)&! cfiff9 d;fGtsf] jf;nft

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

1= z] o/ k"+hL 4=1 278, 300, 000.00 230, 000, 000.00

2= hu] *f tyf sf] ifx¿ 4=2 41, 729, 415.74 29, 268, 316.70

3= C)fkq tyf aG* 4=3 – –

4= ltg{ af+sL shf{ { ;fk^ 4=4 – –

5= lgIf] k bfloTj 4=5 2, 664, 767, 710.53 2, 098, 722, 536.08

6= e'QmfgL lbg'kg] { ljnx¿ 4=6 369, 446.61 388, 383.96

7= k|: tflat gub nfef+z 2, 542, 105.26 12, 000, 000.00

8= cfos/ bfloTj 1, 100, 275.65 321, 283.91

9= cGo bfloTj 4=7 36, 574, 817.57 29, 023, 157.40 s"n k'+hL tyf bfloTj 3, 025, 383, 771.35 2, 399, 723, 678.05

;DklQ cg';"rL o; aif{ ?= ut aif{ ?=

1= gub df} Hbft 4=8 38, 613, 098.34 33, 296, 027.41

2= g] kfn / fi^« a} +sdf / x] sf] df} Hbft 4=9 142, 222, 449.82 118, 633, 283.56

3= a} +s÷ljQLo ;+: yfdf / x] sf] df} Hbft 4=10 1, 983, 451.56 5, 246, 608.53

4= dfu tyf cNk ;"rgfdf k|fKt x'g] / sd 4=11 712, 822, 019.58 407, 365, 364.60

5= nufgL 4=12 6, 100, 000.00 6, 100, 000.00

6= shf{ ;fk^ tyf ljn v/ Lb 4=13 2, 074, 056, 937.35 1, 785, 765, 357.39

7= l: y/ ;DklQ 4=14 42, 438, 052.45 35, 281, 937.21

8= u} / a} lsª ;DklQ 4=15 – –

9= cGo ;DklQ 4=16 7, 147, 762.25 8, 035, 099.35s"n ;DklQ 3, 025, 383, 771.35 2, 399, 723, 678.05

;+efljt bfloTj cg';"rL 4=17

;~rfnsx¿sf] #f] if)ff cg';"rL 4=29

k+'hLsf] if tflnsf cg';"rL 4=30

hf] lvd efl/ t ;DklQ ljj/ )f tflnsf cg';"rL 4=30 -s_

k|d'v ;'rsf°x¿ cg';"rL 4=31

k|d'v n] vf gLltx¿ cg';"rL 4=32

n] vf ;DaGwL l^Kk)fLx¿ cg';"rL 4=33

;+: yfks z] o/ wgLsf] z] o/ lwtf] / fvL lnPsf] shf{ cg';"rL 4=34

n] vf k/ LIF)f gePsf] q} dfl;s ljQLo ljj/ )f cg';"rL 4=35

n] vf k/ LIF)f gePsf] / ePsf] ljQLo ljj/ )fsf] t"ngf cg';"rL 4=c

4=1 b] lv 4=17 tyf 4=32 / 4=33 ;Ddsf cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .o;} ldltsf] xfd|f] ;+nUg k|ltj] bgsf] cwf/ df,

…………………… …………………… …………………… …………………… lji0f' k|;fb uf} td pd] z s'df/ cfrfo{ / fh] Gb|lglw sf] O/ fnf l;P dlgif cdfTo k|d'v n] vf k|d'v sfo{ sf/ L clws[ t cWoIf lg= Pg= cdfTo P08 sDkgL rf6{ 8{ PsfpG6] 06;\ …………………… …………………… …………………… …………………… Ps/ fh hd/ s§] n v] dgfy e§/ fO{ b] js[ i0f sfÇn] lji0f'/ fh k/ fh'nL ;~rfns ;~rfns ;~rfns ;~rfns …………………… …………………… …………………… / fdsfhL >] i7 b] jfg u'?ª / fds'df/ lkof ;~rfns ;~rfns ;~rfnsldlt M @)&!÷)%÷!@



gfkmf gf] S;fg lx;faldlt @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

ljj/ )f cg';"rL rfn' cf=j= ?= ut cf=j= ?=

1= Jofh cfDbfgL 4=18 303, 114, 465.57 258, 779, 416.04

2= Jofh vr{ 4=19 173, 183, 531.75 153, 041, 346.64

v'b Jofh cfDbfgL 129, 930, 933.82 105, 738, 069.40

3= sldzg tyf l*: sfp)^ 4=20 4, 369, 754.54 3, 146, 763.61

4= cGo ;`rfng cfDbfgL 4=21 21, 061, 810.52 20, 740, 599.93

5= ;^xL #â( cfDbfgL 4=22 – 1, 778.89

s"n ;`rfng cfDbfgL 155, 362, 498.88 129, 627, 211.83

6= sd{ rf/ L vr{ 4=23 23, 981, 300.35 18, 759, 153.17

7= cGo ;~rfng vr{ 4=24 28, 111, 779.08 24, 076, 737.62

8= ;^xL #â( gf] S;fgL 4=22 –

;Defljt gf] S;fgL Joj: yf cl#sf] ;~rfng d'gfkmf 103, 269, 419.45 86, 791, 321.04

9= ;Defljt gf] S;fgL Joj: yfx¿ 4=25 3, 476, 618.28 8, 183, 239.84

;~rfng d'gfkmf 99, 792, 801.17 78, 608, 081.20

10= u} / ;~rfng cfDbfgL÷gf] S;fg 4=26 418, 311.88 -36, 519.03_

11= ;Defljt gf] S;fgL Joj: yfaf^ lkmtf{ 4=27 – –

lgoldt sf/ f] jf/ af^ ePsf] d'gfkmf 100, 211, 113.05 78, 571, 562.1712= c;fdfGo sf/ f] jf/ x¿af^ ePsf] d'gfkmf ÷vr{ 4=28 – 3, 877.52

;Dk")f{ sf/ f] jf/ ;dfj] z kl%sf] v'b d'gfkmf 100, 211, 113.05 78, 567, 684.65

13= sd{ rf/ L af] g; Joj: yf 9, 110, 101.19 7, 142, 516.79

14= cfos/ Joj: yf

o; jif{ sf] 27, 367, 441.50 21, 737, 385.51

ut jif{ ;Ddsf] –

o; aif{ sf] : yug s/ -cfDbfgL_÷vr{ 430, 366.06 -335, 469.36_

v'b gfkmf÷gf] S;fg 63, 303, 204.30 50, 023, 251.714=18 b] lv 4=28 tyf 4=32 / 4=33 ;Ddsf cg';"rLx¿ gfkmf gf] S;fg lx;fjsf cleGg c+u x'g\ .

o;} ldltsf] xfd|f] ;+nUg k|ltj] bgsf] cfwf/ df,




gfkmf gf] S;fg afF8kmfF8 lx;faldlt @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

ljj/ )f rfn" cf=a= ?= ut cf= a= ?=

cfDbfgL

1= ut jif{ ;Ddsf] ;+lrt d'gfkmf 1, 577, 239.00 3, 559, 082.35

2= o; aif{ sf] v"b gfkmf 63, 303, 204.30 50, 023, 251.71

3= ;^xL #â( sf] if – –

hDdf 64, 880, 443.31 53, 582, 334.07

vr{

1= ut jif{ ;Ddsf] ;+lrt gf] S;fg

2= o; jif{ sf] gf] S;fg – –

3= ;fw/ )f hu] *fsf] if 12, 660, 640.86 10, 004, 650.34

4= e} k/ L cfpg] hu] *f – –

5= ;+: yf ljsf; sf] if – –

6= nfef+z ;dLs/ )f sf] if – –

7= sd{ rf/ L ;DaGwL hu] *fx¿ – –

8= k|: tfjLt nfef+z 2, 542, 105.26 12, 000, 000.00

9= k|: tfjLt af] g; z] o/ hf/ L 48, 300, 000.00 30, 000, 000.00

10= ljz] if hu] *f sf] if – –

11= ;^xL #â( sf] iF – 444.72

12= k'+hL lkmtf{ hu] *f sf] if – –

13= k'+hL ;dfof] hg sf] if – –

14= nufgL ;dfof] hg sf] if – –

hDdf 63, 502, 746.12 52, 005, 095.07

15= ;l~rt d"gfkmf -gf] S;fg_ 1, 377, 697.18 1, 577, 239.00

o;} ldltsf] xfd|f] ;+nUg k|ltj] bgsf] cfwf/ df,




ljj/ )f o; jif{ ?= ut jif{ ?=s= sf/ f] jf/ ;+rfngaf^ gub k|jfx

1= gub k|flKt 328, 771, 030.63 283, 274, 037.92

1=1 Jofh cfDbfgL 303, 114, 465.57 258, 779, 416.041=2 sldzg tyf l*isfpG^ cfDbfgL 4, 369, 754.54 3, 054, 664.551=3 ljb] zL ljlgdo sf/ f] jf/ af^ cfDbfgL – 1, 778.891=4 ckn] lvt shf{ sf] c;'nL – –1=5 cGo cfDbfgL 21, 286, 810.52 21, 438, 178.442= gub e'QmfgL 246, 240, 478.72 213, 747, 354.242=1 Jofh vr{ 165, 400, 737.63 151, 950, 873.652=2 sd{ rf/ L vr{ 24, 503, 898.12 17, 797, 880.752=3 sfof{ no ;+rfng vr{ 22, 604, 876.42 19, 245, 929.702=4 cfos/ eQmfgL 26, 588, 449.76 19, 727, 977.502=5 cGo vr{ 7, 142, 516.79 5, 024, 692.64sfo{ ut k'+hL ultljlw cl#sf] gub k|jfx 82, 530, 551.91 69, 526, 683.68;+rfng ;DaGwL rfn" ;DklQdf sdL ÷ -j[ l¢_ -32, 433, 147.18_ 9, 428, 674.23

1= dfu tyf cNk ;"rgfdf k|fKt x"g] / sddf sdL ÷ -j[ l¢_ -305, 456, 654.98_ 16, 776, 307.042= cGo cNksfnLg nufgLdf sdL ÷ -j[ l¢_ – 24, 900, 000.003= shf{ tyf laN; v/ Lbdf sdL ÷ -j[ l¢_ -291, 210, 028.03_ -648, 687, 253.32_4= cGo ;DklQdf sdL ÷ -j[ l¢_ 986, 917.83 -901, 814.42_;+rfng ;DaGwL rfn" bfloTjdf -sdL_ ÷ j[ l¢ – –1= lgIf] k bfloTjdf -sdL_ ÷ j[ l¢ 566, 045, 174.45 615, 858, 055.292= ;l^{ lkms] ^ ckm l*kf] lh^df -sdL_ ÷ j[ l¢ – –3= cNksfnLg ;fk^Ldf -sdL_ ÷ j[ l¢ – –4= cGo bfloTjdf -sdL_ ÷ j[ l¢ -2, 798, 556.45_ 1, 483, 379.64 sf/ f] jf/ ;+rfngaf^ ePsf] s"n gub k|jfx 50, 097, 404.73 78, 955, 357.91

v= nufgL sf/ f] jf/ df gub k|jfx 1= z] o/ tyf l*a] ~r/ v/ Lb – –2= z] o/ tyf l*a] ~r/ laqmLaf^ k|fKt / sd – –3= l: y/ ;DklQ v/ Lb -9, 577, 485.64_ -3, 906, 684.87_4= l: y/ ;DklQ laqmLaf^ k|fKt / sd 1, 183, 879.00 82, 000.005= d'¢tL lgIf] k nufgLdf sdL ÷ -j[ l¢_ – –6= nfef+z cfDbfgL – –7= cGo – –

sDKo'^/ ;km\^j] o/ vl/ b -998, 000.00_ -579, 690.00_ ckn] vg ug{ jfsL vr{ df a[ $L – – lnhxf] N* ;DkQLdf j[ l$ -3, 177, 680.12_ -1, 651, 221.63_

nufgL sf/ f] af/ af^ ePsf] s"n gub k|jfx -12, 569, 286.76_ -6, 055, 596.50_u= ljQLo >f] t sf/ f] jf/ af^ gub k|jfx – –

1= bL#{ sfnLg C)fdf -sdL_ ÷ j[ l¢ – – -j)*, l*j] Gr/ cflb_ – –

2= z] o/ k'+hLdf -sdL_ ÷ j[ l¢ – –3= nfef+z e'QmfgL -11, 885, 037.75_ -28, 500, 000.00_4= shf{ sf] Jofh e'QmfgL – –5= g] kfn / i^« a} +saf^ k|fKt ;x'lnot ÷ k'g/ shf{ df -sdL_÷j[ l¢ – –ljQLo sf/ f] jf/ af^ ePsf] gub k|jfx -11, 885, 037.75_ -28, 500, 000.00_

#= gub tyf a} +s df} Hbftsf] ljlgdo b/ df ePsf] km/ saf^ – – cfDbfgL÷vr{ – –

ª o; jif{ ;Dk')f{ ultljlwaf^ gub k|jfx -s±v±u±#_ 25, 643, 080.22 44, 399, 761.41r= gub tyf a} +sdf / x] sf] z'? df} Hbft 157, 175, 919.50 112, 776, 158.10%= gub tyf a} +sdf / x] sf] clGtd df} Hbft 182, 818, 999.72 157, 175, 919.50

xfd|f] cfhsf] ldltdf ;+nUg k|ltj] bgsf] cfwf/ df

gub k|jfx ljj/ 0fldlt @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd




OSjL6Ldf ePsf] kl/ jt{ g ;DaGwL ljj/ 0fcfly{ s jif{ @)&)÷)&!

z] o/ k"“hL tyf : jfldTj cfly{ s jif{ @)&)÷)&!

cg';"rL $=!

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

1= z] o/ k"“hL

1=1 clws[ t k"“hL 640, 000, 000.00 640, 000, 000.00

s_ 64, 00, 000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100.00 n] 640, 000, 000.00 640, 000, 000.00

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

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

1=2 hf/ L k"“hL 230, 000, 000.00 200, 000, 000.00

s_ 23, 00, 000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100.00 n] 230, 000, 000.00 200, 000, 000.00



1=3 r'Qmf k"“hL 230, 000, 000.00 200, 000, 000.00

s_ 23, 00, 000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100.00 n] 230, 000, 000.00 200, 000, 000.00



1=4 k|: tfljt af] g; z] o/ 48, 300, 000.00 30, 000, 000.00

1=5 sN; Og P*efG;

1=6 hDdf / sd-1=3±1=4±1=5_ 278, 300, 000.00 230, 000, 000.00

ljj/ )f z] o/ k'+hL ;l~rt

gfkmf gf] S;fg ;fwf/ )f hu] *f

sf] if k'+hLut hu] *f

z] o/ lk|ldod

;^xL #â( sf] if

: yug s/ hu] *f

nufgL ;dfof] hg sf] if

k|: tfljt af] gz z] o/

s"n / sd

z"? Dff} Hbft 200, 000, 000.00 1, 577, 239.00 26, 689, 123.03 – – 1, 954.66 – 1, 000, 000.00 30, 000, 000.00 259, 268, 316.70

: yug s/

;dfof] lht z'? df} Hbft

;dfof] hg

z] o/ k+'hLdf j[ lå – –

af] gz z] o/ hf/ L 30, 000, 000.00 -30, 000, 000.00_ –

o; cf= a= sf] v'b gfkmf 63, 303, 204.30 63, 303, 204.30

;fwf/ )f hu] *f sf] ifdf ;f/ ] sf] -12, 660, 640.86_ 12, 660, 640.86 –

k|: tfljt af] gz z] o/ 48, 300, 000.00 -48, 300, 000.00_ – –

;^xL #â( sf] if – – –

k|: tfjLt nfef+z -s/ k|of] hgsf] nfuL_ -2, 542, 105.26_ -2, 542, 105.26_

nufgL ;dfof] hg sf] if – –

clGtd df} } Hbft 278, 300, 000.00 1, 377, 697.18 39, 349, 763.89 – – 1, 954.66 – 1, 000, 000.00 – 320, 029, 415.74



)=% k|ltzt jf ;f] eGbf a9L z] o/ : jfldTj ePsf z] o/ wgLx¿sf] ljj/ 0fcg';"rL 4=1 -s_

qm=;+ gfd k|ltzt z] o/ lsQf / sd ?= 1 led k|;fb u'?ª 1.31 30187 3, 018, 750 2 cGh' u'?ª 1.31 30187 3, 018, 750 3 / fhg u'?ª 1.31 30187 3, 018, 750 4 rt'/ fv/ clwsf/ L 1.83 41975 4, 197, 500 5 v] d gfy e§/ fO{ 0.72 16531 1, 653, 125 6 Ps / fh hd/ s§] n 1.77 40681 4, 068, 125 7 uf] lk gfy a/ fn 2.63 60375 6, 037, 500 8 / laGb|gfy e§/ fO{ 1.02 23503 2, 350, 370 9 blw / fh clwsf/ L 0.66 15093 1, 509, 375 10 ;'o{ gf/ fo)f nfld%fg] 1.31 30187 3, 018, 750 11 zfGt s'df/ >] i& 1.16 26593 2, 659, 375 12 a;Gtk|;fb k/ fh'nL 0.66 15093 1, 509, 375 13 cf] d k|sf; zdf{ 0.53 12075 1, 207, 500 14 a] b gfy zdf{ 0.53 12075 1, 207, 500 15 / fh] Gb|lglw sf] O/ fnf 2.43 55775 5, 577, 500 16 e/ t/ fh sf] O/ fnf 2.63 60375 6, 037, 500 17 k/ z'/ fd sf] O/ fnf 1.11 25443 2, 544, 375 18 rqmkfl)f af: tf] nf 4.01 92149 9, 214, 950 19 / ~h' s'df/ L u'?ª 1.31 30187 3, 018, 750 20 g/ x/ L pkfWofo uf} td 0.53 12075 1, 207, 500 21 lji)f' / fh k/ fh'nL 1.35 31050 3, 105, 000 22 lbks nfn jf^fh' 2.00 46000 4, 600, 000 23 Zofdk|;fb dNn 0.50 11500 1, 150, 000 24 b] js[ i)f sfkm\n] 1.58 36441 3, 644, 120 25 clUgw/ k/ fh'nL 0.66 15093 1, 509, 375 26 / ZdL kf} *] n 2.30 52900 5, 290, 000 27 lji)f' k|;fb uf} td 0.58 13225 1, 322, 500 28 u)f] z axfb'/ >] i& 4.25 97750 9, 775, 000 29 *Dd/ axfb'/ yfkf 1.81 41687 4, 168, 750 30 l/ a axfb'/ yfkf 2.95 67930 6, 793, 050 31 / fh] Gb| cf] emf 0.56 12793 1, 279, 375 32 u)fktL cf] emf 0.66 15093 1, 509, 375 33 lgn / fh e^/ fO{ 0.50 11500 1, 150, 000 34 alb| gfy k/ fh'nL 1.76 40537 4, 053, 750 35 nIdL b] jL kf)*] 1.31 30187 3, 018, 750 36 lzjk|;fb Gof} kfg] 0.66 15094 1, 509, 490 37 ;'dg l#ld/ ] 1.23 28318 2, 831, 875 38 nIdL e§/ fO{ 0.66 15237 1, 523, 750 39 zDe' nfn >] i& 1.33 30618 3, 061, 875 40 afa'/ fd hd/ s§] n 1.66 38093 3, 809, 375 41 ;/ : jtL u'?ª 1.31 30187 3, 018, 750 42 nIdL b] jL u'?ª 3.01 69250 6, 925, 000 43 ljsf; afj' jflgof 0.63 14491 1, 449, 150 44 w'j| / ] UdL 1.33 30498 3, 049, 800 45 ?lSd)fL a: g] t 0.71 16284 1, 628, 400 46 gLgf s'df/ L >] i& 0.65 14835 1, 483, 500 hDdf 1487337 148, 735, 330



hu] 8f tyf sf] ifx¿@)&! ;fn cfiff9 d;fGt

cg';"rL $=@


1= ;fwf/ )f hu] *f sf] if 39, 349, 763.89 26, 689, 123.03

2= k+"hLut hu] *f sf] if – –

3= Soflk^n l/ l*Dk;g l/ he{ – –

4= k+"hL ;dfof] hg sf] if – –

5= cGo hu] *f tyf sf] if – –

5=1 e} k/ L cfpg] hu] *f – –

5=2 ;+: yf ljsf; sf] if – –

5=3 nfef+z ;lds/ )f sf] if – –

5=4 ljz] if hu] *f sf] if – –

5=5 ;DklQ k'gd"Nof°g sf] if – –

5=6 cGo : jtGq sf] if – –

5=7 nufgL ;dfof] hg sf] if 1, 000, 000.00 1, 000, 000.00

7= ;l~rt gfkmf÷gf] S;fg 1, 377, 697.18 1, 577, 239.00

8= ;^xL #â( sf] if 1, 954.66 1, 954.66

hDdf 41, 729, 415.74 29, 268, 316.70

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

∞ z] o/ k"“hL z] o/ k"“hL ∞ 1= : jb] zL : jfldTj 230, 000, 000.00 20, 000, 000.00 1=1 g] kfn ;/ sf/ – – – – 1=2 a} b] lzs ;+: yf – – – – 1=3 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿ – – – – 1=4 cGo Ohfhtkq k|fKt ;+: yfx¿ – – – – 1=5 cGo ;+: yfx¿ – – 1=6 JolQmut 100 230, 000, 000.00 20, 000, 000.00 100 1=7 cGo – – – 2= a} b] lzs : jfldTj – – – –

hDdf 100 230, 000, 000.00 20, 000, 000.00 100

z] o/ : jfldTj



C0fkq tyf j08@)&! ;fn cfiff9 d;fGt

cg';"rL $=#

ltg{ afFsL shf{ -;fk6L_@)&! ;fn cfiff9 d;fGt

cg';"rL $=$


1= ========= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ====== ?= n] ====== ldlt ============= df hf/ L ePsf] / ldlt =========== df r'Stf x'g]

– –

2= ========== k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ====== ?= n] ====== ldlt ============= df hf/ L ePsf] / ldlt =========== df r'Stf x'g]

– –

3= ======== ========= – –

hDdf -1 ± 2 ± 3_ – –

ljj/ )f o; aif{ ?= ut aif{ ?= s= : jb] zL

1= g] kfn ;/ sf/ – –

2= g] kfn / fi^« a} +s – –

3= l/ kf] bfloTj – –

4= cGt/ a} +s tyf ljQLo ;+: yf – –

5= cGo ;+ul&t ;+: yfx¿ – –

6= cGo – –

hDdf – –

v= ljb] zL

1= a} +sx¿ – –

2= cGo – –

hDdf – –

hDdf -s ± v_ – –



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

cg';"rL $=%


1= Jofh ltg'{ gkg] { vftfx¿ 29, 369, 533.73 28, 221, 301.16 s= rNtL lx;fj 29, 369, 533.73 28, 221, 301.16

1= : jb] zL d'b|fdf

1=1 g] kfn ;/ sf/ – –

1=2 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿ – –

1=3 cGo Ohfhtkq k|fKt ljQLo ;+: yfx¿ 1, 535, 498.82 1, 485, 483.49

1=4 cGo ;+ul&t ;+: yfx¿ 13, 864, 793.27 14, 881, 649.31

1=5 JolQmut 13, 969, 241.64 11, 854, 168.36

1=6 cGo

2= ljb] zL d'b|fdf

2=1 g] kfn ;/ sf/ – –

2=2 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿ – –

2=3 cGo Ohfhtkq k|fKt ljQLo ;+: yfx¿ – –

2=4 cGo ;+ul&t ;+: yfx¿ – –

2=5 JolQmut – –

2=6 cGo – –

v= dflh{ g – –

1= sd{ rf/ L hdfgt – –

2= hdfgt dflh{ g – –

3= k|lttkq dflh{ g – –

u= cGo

1= : jb] zL d'b|fdf

1=1 ljQLo ;+: yfx¿ – –

1=2 cGo ;+ul&t ;+: yfx¿ – –

1=3 JolQmut – –

2= ljb] zL d'b|fdf

2=1 ljQLo ;+: yfx¿ – –

2=2 cGo ;+ul&t ;+: yfx¿ – –

2=3 JolQmut – –

Jofh ltg'{ gkg] { vftfx¿sf] hDdf 29, 369, 533.73 28, 221, 301.16 2= Jofh ltg'{ kg] { vftfx¿ 2, 635, 398, 176.80 2, 070, 501, 234.92 s= jrt lx;fa 1, 444, 792, 115.00 1, 152, 544, 570.54

1= : jb] zL d'b|fdf 1, 444, 792, 115.00 1, 152, 544, 570.54

1=1 ;+# ;+: yfx¿

1=2 JolQmut 1, 444, 792, 115.00 1, 152, 544, 570.54

1=3 cGo – –

2= ljb] zL d'b|fdf



e'QmfgL lbg'kg] { lanx¿@)&! ;fn cfiff9 d;fGt

cg';"rL $=^


2=1 ;+# ;+: yfx¿ – –

2=2 JolQmut – –

2=3 cGo – –

v= d'$tL lx;fa 740, 899, 253.48 545, 849, 791.50

1= : jb] zL d'b|fdf 740, 899, 253.48 545, 849, 791.50

1=1 ;+# ;+: yfx¿ 158, 365, 091.00 117, 810, 756.00

1=2 JolQmut 582, 534, 162.48 428, 039, 035.50

1=3 cGo

2= ljb] zL d'b|fdf

2=1 ;+# ;+: yfx¿ – –

2=2 JolQmut – –

2=3 cGo – –

u= dfu] sf] avt ltg'{ kg] { lx;fa 449, 706, 808.32 372, 106, 872.88

1= : jb] zL d'b|fdf 449, 706, 808.32 372, 106, 872.88

1=1 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿

1=2 cGo Ohfhtkq k|fKt ljQLo ;+: yfx¿ 15, 044, 606.55 41, 544, 694.87

1=3 cGo ;+ul&t ;+: yfx¿ 434, 662, 201.77 330, 562, 178.01

1=4 JolQmut

1=5 cGo – –

2= ljb] zL d'b|fdf

2=1 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿

2=2 cGo Ohfhtkq k|fKt ljQLo ;+: yfx¿

2=3 cGo ;+ul&t ;+: yfx¿

2=4 JolQmut

2=5 cGo

#= ;l^{ lkms] ^ ckm l*kf] lh^

1= ;+ul&t ;+: yf – –

2= JolQmut – –

3= cGo – –

Jofh ltg'{ kg] { vftfx¿sf] hDdf 2, 635, 398, 176.80 2, 070, 501, 234.92

-1 ± 2_ hDdf lgIf] k 2, 664, 767, 710.53 2, 098, 722, 536.08


1= : jb] zL d'b|f 369, 446.61 388, 383.96

2= ljb] zL d'b|f – –

hDdf 369, 446.61 388, 383.96



cGo bfloTj@)&! ;fn cfiff9 d;fGt

cg';"rL $=&

gub df} Hbft@)&! ;fn cfiff9 d;fGt

cg';"rL $=*

g] kfn / fi6« a} +sdf / x] sf] df} Hbft@)&! ;fn cfiff9 d;fGt

cg';"rL $=(

ljj/ )f o; aif{ ?= ut aif{ ?=1= k] G;g÷pkbfg sf] if 1, 175, 750.00 422, 500.00

2= sd{ rf/ L ;~ro sf] if – –

3= sd{ rf/ L sNof)f sf] if 498, 977.06 192, 463.22

4= sd{ rf/ L jf] g; Joj: yf 9, 110, 101.19 7, 142, 516.79

5= lgIf] kdf e'QmfgL lbg af+sL Jofh 17, 487, 634.44 9, 704, 840.32

6= ;fk^Ldf e'QmfgL lbg af+sL Jofh –

7= kfsL g;s] sf] l*: sfp)^ / sldzg – –

8= ;)*«L qm] l*^;{ 2, 876, 442.91 6, 141, 565.59

9= zfvf ldnfg lx;fj – –

10= : yug s/ bfloTj 570, 944.00 140, 577.94

11= e'QmfgL lbg af+sL nfef+z 411, 332.25 296, 370.00

12= cGo – –

s= s/ s§L 3, 386, 786.99 3, 216, 837.25

v= n] vf kl/ If)f z'Ns 98, 120.00 89, 200.00

u= sd{ rf/ L ljbf jfktsf] / sd 399, 238.52 1, 675, 086.29

#= n] vfk/ LIf)f z"Nsdf s/ 1, 320.00 1, 200.00

ª a} +s df} Hbftdf Joj: yf 12, 220.21 –

r= cGo ;DklQdf ul/ Psf] Joj: yf 545, 950.00 –

hDdf 36, 574, 817.57 29, 023, 157.40

ljj/ )f : jb] zLd'b|f

ljb] zL d'b|f -?=df_s"n ?= ut jif{

?=ef=?= kl/ jTo{ lj=d'= hDdf

1= g] kfn / fi^«« a} +s 142, 222, 449.82 142, 222, 449.82 142, 222, 449.82 118, 633, 283.56

s= rNtL vftf – – – – – –

v= cGo vftf – – – – – –

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

1= : jb] zL d'b|f -l;Ssf ;d] t_ 38, 488, 250.34 33, 267, 103.69

2= ljb] zL d'b|f 124, 848.00 28, 923.72

hDdf 38, 613, 098.34 33, 296, 027.41



a} +s tyf ljQLo ;+: yfdf / x] sf] df} Hbft@)&! ;fn cfiff9 d;fGt

cg';"rL $=!)

dfu tyf cNk;"rgfdf k|fKt x'g] / sdx¿@)&! ;fn cfiff9 d;fGt

cg';"rL $=!!

nufgL@)&! ;fn cfiff9 d;fGt

cg';"rL $=!@

ljj/ )f : jb] zL

d'b|f

ljb] zL d'b|f ?= df o; aif{ ?=

s"n ?=

ut aif{ ?=

s"n ?= ef=?= kl/ jTo{

lj=d'= hDdf

1= : jb] zL Ohfhtkq k|fKt ;+: yfx¿ 1, 983, 451.56 1, 983, 451.56 5, 246, 608.53

s= rNtL vftf 1, 983, 451.56 – – 1, 983, 451.56 5, 246, 608.53

v= cGo vftf – – – – – –

2= ljb] zL a} +sx¿

s= rNtL vftf – – – – – –

v= cGo vftf – – – – – –

hDdf 1, 983, 451.56 – – – 1, 983, 451.56 5, 246, 608.53gf] ^ M ;DalGwt Ohfhtkq k|fKt ;+: yfx¿sf] ;dy{ gkq cg";f/ sf] s"n df} Hbft ?= 1, 983, 451.56


1= : jb] zL d'b|fdf 712, 822, 019.58 407, 365, 364.60

2= ljb] zL d'b|fdf – –

hDdf 712, 822, 019.58 407, 365, 364.60gf] ^M ;DalGwt Ohfhtkq k|fKt ;+: yfx? ;dy{ g kq cg';f/ sf] s"n df} Hbft ?=713, 011, 848=28

ljj/ )f k|of] hg

o; aif{ ?= ut aif{ ?=Jofkfl/ s cGo

1= g] kfn ;/ sf/ sf] ^«] h/ L ljn – – – –

2= g] kfn ;/ sf/ sf] jrtkq – – – –

3= g] kfn ;/ sf/ sf] cGo C)Fkq – – – –

4= g=/ f=a} +s C)fkq – – – –

5= lab] zL C)fkq – – – –

6= : jb] zL Ohfhtkq k|fKt ;+: yf – – – –

7= lab] zL a} +s – – – –

8= ;+ul&t ;+: yfx¿sf] z] o/ 5, 100, 000.00 1, 000, 000.00 6, 100, 000.00 6, 100, 000.00

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

10= cGo nufgL – – – –s"n nufgL 5, 100, 000.00 1, 000, 000.00 6, 100, 000.00 6, 100, 000.00

Joj: yf –v'b nufgL 5, 100, 000.00 1, 000, 000.00 6, 100, 000.00 6, 100, 000.00



z] o/ , l8j] Gr/ tyf j08df nufgL@)&! ;fn cfiff9 d;fGt

cg';"rL $=!@ -s_

Jofkfl/ s nufgL (Held for Trading)@)&! ;fn cfiff9 d;fGt

g] =/ f=a} +s lgb] { zg $=!@=!

ljj/ )f k/ n df] n ?= ahf/ d"Nofg';f/ Joj: yf / sd ut jif{ 1= z] o/ nufgL1=1

u|f] d/ dr] { G^ a} +s/ lnld^] *sf] 10, 000=00 lsQf ?=100 z] o/ k|lt z] o/ k/ n d"No ? 10, 00, 000=00 n]

1, 000, 000.00 – – 1, 000, 000.00

1=2

g] kfn lSnol/ ª\u xfp; lnld^] * sf] 1, 000=00 lsQf z] o/ ?=100 k|lt z] o/ k/ n d"No ? 100, 000=00 n]

100, 000.00 – – 100, 000.00

1=3 l;¢fy{ Soflk^n lnld^] *sf] 500, 000=00 lsQf z] o/ ?=10 k|lt z] o/ k/ n d"No ? 5, 000, 000=00 n]

50, 00, 000.00 50, 00, 000.00

2= l*a] Gr/ tyf jG* nufgL2=1 ==================sDkgL -k|f=ln=÷ln=

========k|ltzt l*j] Gr/ ÷j)* k|lt l*j] Gr/ ÷j)* ======= ?=====n] ======

– –

s"n Joj: yf 6, 100, 000.00 – – 6, 100, 000.003= hf] lvd ;DaGwL Joj: yf3=1 ut jif{ ;Ddsf] Joj: yf – –3=2 o; jif{ sf] yk÷#^ – – – –

s"n Joj: yf – – – –v'b nufgL 6, 100, 000.00 – – 6, 100, 000.00

ljj/ )f k/ n d"Nokl%Nnf] ahf/

d"No

xfnsf] ahf/

d"No

o; aif{

gfkmf÷-

gf] S;fg_/ sd

ut aif{

gfkmf÷-gf] S;fg_

/ sd s} lkmot

-s_ -v_ -v – s_1= g] kfn ;/ sf/ sf] ^«] h/ L ljn2= g] kfn ;/ sf/ sf] jrtkq3= g] kfn ;/ sf/ sf] cGo C)fkq4= g] = / f= a} +ssf] C)fkq5= ljb] zL C)fkq6= : jb] zL Ohfhtkqk|fKt ;+: yfsf] z] o/

7= : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8= : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)* 5, 000, 000.009= ljb] zL a} +s nufgL (Placement)

10= Interbank Lending

11= cGo nufgL s"n nufgL 5, 000, 000.00



e'QmfgL ldlt;Dd wf/ 0f ug] { nufgL (Held to Maturity)@)&! ;fn cfiff9 d;fGt

g] =/ f=a} +s lgb] { zg $=!@=@

laqmLsf] nflu pknAw nufgL (Available for Sale)@)&! ;fn cfiff9 d;fGt

g] =/ f=a} +s lgb] { zg $=!@=#

ljj/ )fk/ n d"No

xfn;Ddsf]

Iflt / sd

o; jif{ sf]

Iflt / sd

o; jif{ sf]

gfkmf÷gf] S;fg

/ sd

ut jif{

gfkmf÷gf] S;fg

/ sd s} lkmot

-s_ -v_ -u_ -s – v – u_1= g] kfn ;/ sf/ sf] ^«] h/ L ljn2= g] kfn ;/ sf/ sf] jrtkq3= g] kfn ;/ sf/ sf] cGo C)fkq4= g] = / f= a} +ssf] C)fkq5= ljb] zL C)fkq6= : jb] zL Ohfhtkqk|fKt ;+: yfsf] z] o/

7= : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8= : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)*9= ljb] zL a} +s nufgL (Placement)

10= cGo nufgL s"n nufgL

ljj/ )fk/ n d"No

kl%Nnf] ahf/ d"No-s_

xfnsf] ahf/ d"No-v_

o; jif{ sf] ut jif{

s} lkmot ;dfof] hg / sd -v – s_

gfkmf÷-gf] S;fg_ / sd

1= g] kfn ;/ sf/ sf] ^«] h/ L ljn2= g] kfn ;/ sf/ sf] jrtkq3= g] kfn ;/ sf/ sf] cGo C)fkq4= g] = / f= a} +ssf] C)fkq5= ljb] zL C)fkq6= : jb] zL Ohfhtkqk|fKt ;+: yfsf] z] o/

7= : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8= : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)* 1, 100, 000.009= ljb] zL a} +s nufgL (Placement)

10= cGo nufgL s"n nufgL 1, 100, 000.00



ljj

/ )f

shf{

vl/

b ty

f l*

: sfp

G^ u

l/ Ps

f lan

o; a

if{

?=

ut a

if{

?=

: jb] z

L

ljb] z

L h

Ddf

: jb

] zL

ljb

] zL

hDd

f ljk

Gg j

u{ c

Go

ljldt

c

ljld

t

1=

;lqmo s

hf{ ;f

k^

89,

501,

569.95

2, 00

5, 25

2, 18

6.15

2, 09

4, 753

, 756

.10

2, 09

4, 753

, 756

.10

1, 803

, 834

, 128

.54

1=1 c

;n

89,

501,

569.95

2, 00

5, 25

2, 18

6.15

–2,

094, 753

, 756

.10

––

–2,

094, 753

, 756

.10

1, 803

, 834

, 128

.54

––

––

––

––

––

2=

lgl: q

mo s

hf{ ;f

k^

–1,

238, 640.87

2, 37

0, 90

9.08

–3,

609,

549.95

––

–3,

609,

549.95

3, 31

9, 14

9.48

2=1 k

'g/ ;+/

rgf u

l/ Ps

f 2

=2 s

d;n

–53

404

2.09

1, 07

3, 468

.33

–1,

607,

510.42

––

–1,

607,

510.42

2, 91

9, 874

.18

2=3 z

+sf: k

b –

6063

84.6

162,

202.58

–76

8, 587.18

––

–76

8, 587.18

346,

975.37

2=4

v/ fa

–98

, 214

.18

1, 13

5, 23

8.17

–1,

233,

452

.35

––

–1,

233,

452

.35

52, 299

.93

s=

s"n s

hf{

90, 7

40, 210

.82

2, 00

7, 62

3, 09

5.23

–2,

098,

363,

306.05

––

–2,

098,

363,

306.05

1, 80

7, 15

3, 27

8.02

3=

shf{ gf] S;

fgL Jo

j: yf

3

=1 c

;n

895

, 015

.70

20, 0

52, 521

.86

–20

, 947,

537.56

––

–20

, 947,

537.56

18, 0

38, 341.29

3=2 k

'g/ ;+/

rgf u

l/ Ps

f –

––

––

––

––

– 3

=3 s

d;n

–13

3, 51

0.52

268, 367

.08

–401

, 877

.61

––

–401

, 877

.61

729,

968.55

3=4

z+sf: k

b –

303,

192.30

81,

101.29

–38

4, 293

.59

––

–38

4, 293

.59

173,

487.69

3=5

v/ fa

–98

, 214

.18

1, 13

5, 23

8.17

–1,

233,

452

.35

––

–1,

233,

452

.35

52, 299

.93

3=6 y

k shf{ Jo

j: yf

–

1, 33

9, 20

7.59

1, 33

9, 20

7.59

1, 33

9, 20

7.59

2, 39

3, 823

.18

v=

s"n Joj

: yf

1, 429

, 932

.70

22, 8

76, 4

36.00

–24

, 306

, 368

.70

––

–24

, 306

, 368

.70

21, 387

, 920

.63

4=

ut

jif{ ;

Ddsf] Jo

j: yf

4

=1 c

;n

–59

2571

.71

17, 4

45,

769.57

–18

, 038

, 341.29

––

–18

, 038

, 341.29

11, 576

, 755

.85

4=2 k'g

/ ;+/ r

gf u

l/ Ps

f –

––

––

––

––

– 4

=3 s

d;n

–11

, 108

.49

718, 8

60.06

–72

9, 96

8.55

––

–72

9, 96

8.55

88, 0

91.51

4=4

z+sf: k

b –

1, 79

3.98

171,

693.71

–17

3, 487.69

––

–17

3, 487.69

– 4

=5 v

/ fa

–51

, 139

.93

1, 16

0.00

–52

, 299

.93

––

–52

, 299

.93

438

, 074

.11

4=6 y

k shf{ Jo

j: yf

–

2, 39

3, 823

.18

2, 39

3, 823

.18

2, 39

3, 823

.18

1, 10

1, 75

9.32

u=

ut

jif{ s

f] s"n Joj

: yf

–65

6, 61

4.11

20, 7

31, 306

.52

–21

, 387

, 920

.63

––

–21

, 387

, 920

.63

13, 204

, 680

.79

#=

ut

aif{ s

f] Ao

j: yf

jf^ lkmtf{

––

––

––

––

––

ª

o; a

if{ sf] yk

Joj

: yf

773,

318.59

2, 14

5, 12

9.48

2, 91

8, 448.07

2, 91

8, 448.07

8, 18

3, 23

9.84

o;

jif{ s

f] s"n Yfk#^

–77

3, 31

8.59

2, 14

5, 12

9.48

–2,

918, 4

48.07

––

–2,

918, 4

48.07

8, 183,

239.84

v"b

shf{

–89

, 310, 278

.121,

984, 7

46,

659.23

–2,

074,

056,

937.35

––

–2,

074,

056,

937.35

1, 78

5, 76

5, 35

7.39

shf

{ ;fk6

tyf lan

vl/

b ju

L{ s/ 0

f /

;f] sf] nf

lu Joj

: yf

@)&!

;fn

cfiff9 d

;fGt

cg

';"rL $=!#



shf{ ;fk6 / laN; vl/ b ;'/ If0f@)&! ;fn cfiff9 d;fGt

cg';"rL $=!# -s_


s_ ;'/ lIft 2, 098, 363, 306.05 1, 807, 153, 278.02

1= rn÷crn ;DklQsf] ;'/ If)fdf 2, 059, 860, 588.68 1, 779, 360, 802.20

2= : jb] zL Ohfhtkqk|FKt ;+: yfsf] hdfgtdf – –

3= ;/ sf/ L hdfgtdf – –

4= cGt/ f{ li^«o >] )FLs[ t j} +ssf] hdfgtdf – –

5= lgof{ t sfuhft sf] ;'/ If)fdf – –

6= d'@tL / l;bsf] ;'/ If)fdf

s= ;+: yfsf] cfkm\g} d'@tL / ;Lbsf] ;'/ If)f 31, 752, 328.77 20, 029, 328.77

v= cGo Ohfhtkq k|FKt ;+: yfsf] d'@tL / l;bsf] ;'/ If)f – –

7= ;/ sf/ L C)fkqsf] ;'/ If)fdf – –

8= sfp)^/ hdfgtdf – –

9= JolQmut hdfgtdf 6, 050, 826.38 6, 601, 147.05

10= cGo ;'/ If)fdf 699, 562.22 1, 162, 000.00

v_ c;'/ lIft – –

hDdf 2, 098, 363, 306.05 1, 807, 153, 278.02



l: y/

;DklQ

@)&!

;fn

cfiff9 d

;fGt

cg

';"rL $=!$

ljj/ )

f

;

DklQ

o; a

if{ ?=

?ut

aif{

?=ej

gkl/

jxg

;fwg

d] zLg/

L sf

of{ no

;fdf

gcG

o

b/

15∞

10∞

15∞

1= k

/ ndf

] n

s= u

t jif

{ sf] d

f} Hbft

– 5, 1

41, 04

0.00

–25

, 537, 1

48.22

2, 063

, 424

.3332

, 741, 6

12.55

29, 07

6, 145

.88

v= o

; jif

{ yk

– 3, 2

10, 97

5.00

–5, 4

45, 62

1.50

920, 8

89.14

9, 577

, 485

.643, 9

06, 68

4.87

u= o

; jif

{ k"gd

"{ Nof°g

÷k'gn

] { vg –

––

––

––

#= o

; jif

{ sf] lj

qmL –

1, 528

, 400

.00–

328,

817.2

419

1, 200

.002, 0

48, 4

17.24

241, 2

18.20

ª= o

; jif

{ sf] c

kn] vg

– –

––

––

–s"n -s±v

±u±#

±ª_ k/

ndf

] n –

6,

823,

615.00

–30

, 653

, 952

.48

2, 79

3, 113.47

40,

270,

680.95

32, 7

41,

612.55

2= x|f;

s^\^L

s= u

t jif

{ ;Dd

sf]

– 2, 0

59, 22

5.80

–9, 6

40, 67

5.28

934,

690.1

512

, 634,

591.2

39, 4

73, 13

9.19

v= o

; jif

{ sf]

– 52

6, 316

.15–

2, 805

, 143.5

224

3, 166

.263, 5

74, 62

5.93

3, 274

, 305.5

4

u= x

|f;s^

\^L k'g

d{ "Nof°

g÷k'g

n] { vg

– –

––

––

–

#= o

; jif

{ sf] lj

qmL –

846, 9

62.8

2–

130, 6

00.59

80, 28

6.71

1, 057

, 850

.1111

2, 853

.50

*= o

; jif

{ sf] c

kn] vg

––

r= x

|f;s^

\^Lsf] /

sd ;

dfof] h

g÷lkm

tf{ –

––

––

––

s"n x

|f;s^\^

L –

1,

738,

579.14

–12

, 315

, 218

.22

1, 09

7, 56

9.70

15, 151

, 367

.05

12, 634

, 591

.23

3= a

's Eofn'

–

5, 08

5, 03

5.87

–18

, 338

, 734

.27

1, 69

5, 54

3.77

25, 119

, 313

.90

20, 107

, 021

.32

4= h

Uuf

– –

––

–10

, 046, 4

00.00

10, 04

6, 400

.00

5= k

"+hLut

lgdf

{ )F -k+'h

Ls/ )

f ul/ g

'kg] { _

– –

––

––

–

6= nL

hxf] N*

;Dk

lQ –

––

––

7, 272

, 338.

555, 1

28, 51

5.89

hDd

f -3 ±

4 ±

5 ±

6_

–

5, 08

5, 03

5.87

–18

, 338

, 734

.27

1, 69

5, 54

3.77

42,

438

, 052

.45

35, 281

, 937

.21



u} / a} +lsª ;DklQ@)&! ;fn cfiff9 d;fGt

cg';"rL $=!%

cGo ;DklQ@)&! ;fn cfiff9 d;fGt

cg';"rL $=!^

C)FL jf kf^L{ sf]

gfd &] ufgf

u} / a} +lsª ;DklQ

;sf/ u/ ] sf] ldlt

s"n u} / a} +} lsª

;DklQ / sd ?=

gf] S;fgL Joj: yf v'b u} / a} } +lsª

;DklQ ?=

ut jif{

?= k|ltzt / sd ? – – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

s"n hDdf – – – – – –

ljj/ )f o; aif{ ?= ut aif{ ?=1= d;nGb df} Hbft 178, 498.42 344, 156.60

2= nufgLdf c;'n ug{ af+sL cfDbfgL – –

3= shf{ df c;'n ug{ af+sL Jofh 13, 750, 853.82

Go'g Jofh d'NtjL / sd 13, 750, 853.82 – –

4= c;'n ug{ af+sL sldzg – –

5= ;G*«L *] ^;{ 575, 950.00 1, 574, 644.02

6= sd{ rf/ L ;fk^L / k] ZsL 2, 887, 694.02 3, 012, 075.93

7= clu|d e'QmfgL 627, 066.61 330, 204.88

8= dfu{ : y gub – –

9= dfu{ : y cGo -r] s ;d] t_ – –

10= ljgf ;"rgf *«fkm\^sf] e'QmfgL – –

11= ckn] vg x'g af+sL vr{ 2, 081, 138.20 1, 981, 557.47

12= zfvf ldnfg lx;fj – –

13= : yug s/ ;DkQL

14= cGo – –

s= w/ f} ^L 63, 050.00 54, 497.50

v= clu|d cfos/

u= cGo 734, 365.00 737, 962.95

hDdf 7, 147, 762.25 8, 035, 099.35



cGo ;DklQ -yk ljj/ 0f_@)&! ;fn cfiff9 d;fGt

cg';"rL $=!^ -s_

;Defljt bfloTjx¿@)&! ;fn cfiff9 d;fGt

cg';"rL $=!&

ljj/ )f

o; aif{ ?= ut aif{ ?=

1 jif{ ;Dd1 jif{ b] lv dfly

3 jif{ ;Dd

3 jif{ eGbf

dflyhDdf

1= shf{ df c;'n ug{ af+sL Jofh 13, 750, 853.82 – – 13, 750, 853.82 12, 730, 632.52

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

3= zfvf ldnfg lx;fj – – – – –

4= : jb] zL ljbzL Ph] G;L lx;fa – – – – –


1= ;+: yfpk/ bfjL k/ ] sf] t/ ;+: yfn] bfloTj : jLsf/ gu/ ] sf] – –

2= k|lttkqx¿ -k'/ f / sd_

s_ 6 dlxgf eGbf sd cjlwsf] – –

v_ 6 dlxgf eGbf al( cjlwsf] – –

3= k"gM l*: sfpG^ ul/ Psf ljnx¿ – –

4= Dofb gfl# g;s] sf] Uof/ ] G^L÷j)*

s_ lj* j)*

v_ k/ km/ d] G; j)* 9, 350, 000.00 10, 150, 000.00

u_ cGo Uof/ ] G^L÷j)*

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

6= km/ jf*{ PS: r] ~h sG^«fS^sf] af+sL bfloTjx¿ – –

7= sn] S;gdf / x] sf ljnx¿ – –

8= d~h'/ L tyf ;dy{ g – –

9= k|Tofe"tL k|ltj$tf – –

10= ckl/ jTo{ shf{ k|ltj$tf 89, 357, 333.07 86, 907, 345.92

11= cGt/ f[ li^«o >] )FLs[ t a} +ssf] sfp)^/ Uof/ ] )^Ldf lbPsf] Uof/ ] )^L – –

12= clu|d e'QmfgL Uof/ ] )^L ( Advance Payment Guarantee ) – –

13= shf{ k|jfxsf] nflu ljQLo hdfgt ( Financial Guarantee ) – –

14= cfos/ jfkt ;Defljt bfloTj – –

15= cGo – –

16 ======================================== – –

17 ======================================== – –



Jofh cfDbfgL @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=!*


s= shf{ ;fk^ / clwljsif{ df 280, 037, 240.74 234, 240, 421.84

1= shf{ ;fk^ 188, 900, 322.49 187, 468, 098.42

2= clwljsif{ 91, 136, 918.25 46, 772, 323.42

v= nufgLdf

1= g] kfn ;/ sf/ sf] C)fkq

s_ ^] «h/ L ljN; – –

v_ ljsf; C)fkq – –

u_ / fli^«o jrtkq – –

2= ljb] zL C)fkq

s_ – –

v_ – –

3= g] kfn / fi^« a} +ssf] C)fkq – –

4= l*j] `r/ tyf j)* –

5= cGt/ j} +s nufgLdf Aofh – –

s_ j} +} +s÷ljQLo ;+: yfx¿ –

v+_ cGo ;+: yfx¿ – –

u= Ph] G;L df] } Hbftdf

1= : jb] zL j} +s÷ljQLo ;+: yfx¿ – –

2= ljb] zL j} +sx¿ – –

#= dfu tyf cNk;"rgfdf k|FKt x'g] df} Hbftdf 23, 077, 224.83 24, 538, 994.20

1= : jb] zL j} +s÷ljQLo ;+: yfx¿ 23, 077, 224.83 24, 538, 994.20

2= ljb] zL j} +sx¿ – –

ª= cGodf

1= ;l^{ kmLs] ^ ckm l*kf] lh^ – –

2= cGt/ j} +s÷ljQLo ;+: yf shf{ – –

3= cGo – –

hDdf 303, 114, 465.57 258, 779, 416.04



Jofh vr{ @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=!(


s= lgIf] k bfloTjdf

1= d'@tL lgIf] k

1=1 : jb] zL d'b|f 66, 743, 765.45 56, 502, 876.32

1=2 ljb] zL d'b|f – –

2= jrt lgIf] k

2=1 : jb] zL d'b|f 80, 693, 861.64 84, 221, 484.37

2=2 ljb] zL d'b|f – –

3= dfu] sf] jvt ltg'' [ { kg] { lgIf] k

3=1 : jb] zL d'b|f 25, 745, 904.66 12, 316, 985.95

3=2 ljb] zL d'b|f – –

4= ;l^{ lkms] ^ ckm l*kf] lh^;\ – –

v= shf{ ;fk^df

1= C)fkq tyf j)* – –

2= g] kfn / fi^« a} +saf^ k|FKt shf{ – –

3= cGt/ j} +s÷ljQLo ;+: yf shf{ – –

4= cGo ;+|ul&t ;+: yf – –

5= cGo shf{ – –

u= cGodf – –

1 ================ – –

2= ===================== – –

hDdf 173, 183, 531.75 153, 041, 346.64



sldzg tyf l8: sfp06@)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@)

cGo ;~rfng cfDbfgL@)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@!


s= ljN; v/ Lb tyf l*: sfpG^

1= : jb] zL – –

2= ljb] zL – –

v= sldzg

1= k|lttkq – –

2= hdfgtkq 71, 250.00 88, 250.00

3= sn] S;g lkm – –

4= / ] ld^] G; lkm 3, 350, 998.04 2, 761, 706.73

5= qm] l*^ sf*{ – –

6= z] o/ k|Tofe'lt÷lgisfzg –

7= ;/ sf/ L sf/ f] jf/ jfkt – –

8= ladf sldzg jfkt 60, 156.33 35, 704.93

9= j§f cfDbfgL 552.65 1, 108.25

u= cGo 886, 797.52 259, 993.70

hDdf 4, 369, 754.54 3, 146, 763.61


1= ;] ] km l*kf] lh^ eN^sf] ef*f 226, 500.00 171, 500.00

2= qm] l*^sf*{ lgisfzg tyf gljs/ )f –

3= P=l^=Pd= sf*{ lgisfzg tyf gljs/ )f 207, 400.00 191, 200.00

4= ^] n] S;\÷l^=l^= –

5= ;] jf z'Ns 13, 268, 016.61 15, 092, 458.91

6= gljs/ )f z'Ns 3, 375, 079.69 1, 907, 880.00

7= cGo 3, 984, 814.22 3, 377, 561.02

hDdf 21, 061, 810.52 20, 740, 599.93



;6xL 36a9 cfDbfgL÷gf] S;fg@)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@@

sd{ rf/ L vr{ @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@#


s_ ljlgdo b/ df ePsf] km/ saf^ – –

v_ ljb] zL d'b|f sf/ f] af/ af^ -a^\^f afx] s_ – 1, 778.89

hDdf cfDbfgL÷-gf] S;fg_ – 1, 778.89


1= tnj 13, 944, 884.99 9, 945, 389.07

2= eQf 5, 976, 377.80 5, 957, 674.22

3= ;`rosf] ifdf yk 1, 293, 571.44 946, 569.31

4= tflnd vr{ 130, 420.00 43, 290.00

5= kf] zfs 547, 005.05 399, 895.50

6= cf} ifwf] krf/ – –

7= jLdf 172, 928.01 143, 300.53

8= k] G;g tyf pkbfg Joj: yf 789, 500.00 422, 500.00

9= cGo – –

s = labf jfktsf] / sd 1, 126, 613.06 900, 534.54

hDdf 23, 981, 300.35 18, 759, 153.17



cGo ;~rfng vr{ @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@$

ljj/ )f o; aif{ ?= ut aif{ ?= 1= #/ ef*f 4, 241, 913.90 3, 580, 593.45 2= aQL lah"nL / kfgL 942, 465.47 790, 868.34 3= dd{ t tyf ;Def/ s= ejg =============== 10, 060.00 37, 285.00 v= ;jf/ L ;fwg================ 180, 661.21 130, 057.49 u= cGo==================== 167, 318.69 299, 857.72 4= aLdf 2, 166, 605.60 1, 654, 957.25 5= kf] : ^] Hf, ^] n] S;, ^] lnkmf] g, km\ofS;\ 941, 743.36 776, 222.24 6= sfof{ no pks/ )f kmlg{ r/ / ;Def/ 373, 000.39 496, 784.87 7= e|d)f eQf / vr{ 250, 158.53 302, 097.23 8= d;nGb %kfO{ 1, 505, 665.67 1, 238, 961.53 9= kqklqsf tyf k": ts 56, 890.80 46, 375.00 10= la!fkg 465, 924.49 1, 013, 722.70 11= sfg"gL vr{ 50, 762.00 46, 000.00 12= rGbf ;xof] u 173, 401.00 298, 176.07 13= ;Grfns ;ldlt ;DaGwL vr{ s= j} &s eQf================= 465, 000.00 425, 000.00 v= cGo vr{ ================== 140, 387.20 53, 942.00 14= ;fwf/ )F ;ef ;DaGwL vr{ 418, 302.06 361, 537.88 15= n] vf k/ LIF)f ;DaGwL – – s= n] vfk/ LIf)f z'Ns – –

afx\o n] vfk/ LIf)f z'Ns 99, 440.00 90, 400.00 cfGt/ Ls n] vfk/ LIf)f z'Ns – –

v= cGo vr{ ================== 108, 550.00 180, 920.00 16= / sd : yfgfGt/ )F sdLzg – – 17= l: y/ ;DklQdf x|f; s^\^L 3, 574, 625.93 4, 001, 375.33 18= k"j{ ;Grfng vr{ ckn] vg – – 19= xsk|b z] o/ lgisf;g vr{ – – 20= z] o/ lgisf;g vr{ ckn] vg 394, 538.10 394, 538.10 21= k|fljlws ;] jf ;f] wegf{ 1, 010, 781.59 958, 206.13 22= dgf] / Ghg vr{ 262, 022.50 318, 905.74 23= ckn] vg vr{ 1, 537, 738.63 434, 894.49 24= ;'/ Iff vr{ 3, 781, 648.65 2, 391, 023.32 25= shf{ ;'/ If)f lk|ldod – 26= sldzg / l*: sfpG^ – 27= cGo====================== – sd{ rf/ L vfhf vr{ 269, 070.12 149, 279.50 OGwg vr{ 1, 120, 965.46 912, 227.97 ;b: otf z'Ns 196, 140.00 118, 938.00 a} +s rfh{ 1, 111.00 1, 750.00 Hofnf 433, 329.56 423, 242.81 sfof{ no z"ef/ De vr{ 359, 156.39 78, 785.00 P=l^=Pd= ;DaGwL vr{ 1, 239, 569.98 1, 004, 424.69 cGo a} &s eQf 106, 000.00 152, 000.00 ljljw vr{ 1, 066, 830.80 913, 387.77

hDdf 28, 111, 779.08 24, 076, 737.62



;+efljt gf] S;fgL Joj: yf@)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@%

u} / ;~rfng cfDbfgL÷gf] S;fgL@)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@^

;Defljt gf] S;fgLaf6 lkmtf{ @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@&


1= shf{ gf] S;fgL Joj: yfdf ePsf] j[ l$ 2, 918, 448.07 8, 183, 239.84

2= nufgL gf] S;fgL Joj: yfdf ePsf] j[ l$ –

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

4= cGo ;DklQdf ul/ Psf] Joj: yf 558, 170.21 –

hDdf 3, 476, 618.28 8, 183, 239.84


1= nufgL ljqmLaf^ cfDbfgL÷-gf] S;fg_ – –

2= ;DklQ ljqmLaf^ cfDbfgL÷-gf] S;fg_ 193, 311.88 -36, 519.03_

3= nfef+z – –

4= g] kfn / fi^« a} +saf^ k|FKt ;x'lnot – –

s= tf] lsPsf] zfvfx¿sf] gf] S;fg jfkt Ifltk"lt{ – –

v= Jofh Ifltk"lt{ – –

u= ;^xL sfpG^/ – –

5= cGo 225, 000.00 –

v'b u} / ;+rfng cfDbfgL÷-gf] S;fg_ 418, 311.88 -36, 519.03_


1= shf{ gf] S;fgL Joj: yfaf^ lkmtf{ – –

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

3= nufgL Joj: yfaf^ lkmtf{ – –

4= cGo ;DklQsf] Joj: yfaf^ lkmtf{ – –

hDdf – –



c;fdfGo sf/ f] jf/ x¿af6 ePsf] cfDbfgL÷vr{ @)&) >fj0f ! b] lv @)&! cfiff9 d;fGt;Dd

cg';"rL $=@*

ckn] lvt shf{ sf] ljj/ 0fcfly{ s jif{ @)&)÷)&!

cg';"rL $=@* -s_


1= ckn] vg ePsf] shf{ sf] c;'nL – –

2= : j] lR%s cjsfz vr{ – –

3= c;'nL x'g g;Sg] shf{ sf] ckn] vg -4=25s_ – –

4= cGo vr{ ÷cfDbfgL – 3, 877.52

5==================================================== – –

hDdf – 3, 877.52

qm=;+= shf{ k|sf/

ckn] vg

ul/ Psf]

/ sd

lwtf] sf]

k|sf/

tyf ÷/ sd

lwtf]

d"Nof°gsf]

cfwf/

shf{ : jLs[ t

ug] {

clwsf/ L÷tx

shf{ c;'nLsf

nflu eP

u/ ] sf k|of;

s} lkmot

1= rfn' k"+hL

shf{ – – – – – –

2= kl/ of] hgf

shf{ – – – – – –

3= l: y/ k"+hL

shf{ – – – – – –

4= JolQmut

shf{ – – – – – –

5= cGo shf{ – – – – – –

s"n shf{ – – – – – –



;~rfns, sfo{ sf/ L k|d'v, ;+: yfks, sd{ rf/ L z] o/ xf] N8/ x¿nfO{ uPsf] shf{ ;fk6 ljj/ 0f@)&! cfiff9 d;fGt

cg';"rL $=@(

v/ Lb tyf l*: sfpG^ ul/ Psf ljnx¿ / shf{ , ;fk^ tyf clwljsif{ df k|jflxt s"n / sddWo] ;+rfns, sfo{ sf/ L k|d'v, ;+: yfks, sd{ rf/ L z] o/ xf] N*/ x¿ / lghx¿sf] kl/ jf/ sf ;b: o jf To: tf JoLQm hdfgL a;] sf] jf d} g] lhª Ph] G^ ePsf] s'g} ;+: yf jf sDkgLnfO{ uPsf] / sdsf] ljj/ )f b] xfo jdf] lhd % .

;+: yfks÷

;~rfns÷sfo{ sf/ L

k|d'vsf] gfd

ut jif{ ;Ddsf]

af+sLo; jif{ c;'nL o; jif{

yk shf{

cfiff(

d;fGt;Dd

af+sL

;f+jf Jofh ;f+jf Jofh ;f+jf Jofh

s_ ;~rfns

1= – – – – – – –

2= – – – – – – –

v_ sfo{ sf/ L k|d'v

1= – – – – – – –

2= – – – – – – –

u_ ;+: yfks

1= – – – – – – –

2= – – – – – – –

#_ sd{ rf/ L

1= – – – – – – –

2= – – – – – – –

3= – – – – – – –

4= – – – – – – –

5= – – – – – – –

6= – – – – – – –

7= – – – – – – –

ª_ z] o/ wgLx¿

1= – – – – – –

2= – – – – – –

hDdf – – – – – – –



k"“hLsf] if tflnsf@)&! cfiff9 d;fGt

cg';"rL $=#)

ljj/ )f o; aif{ ?= ut aif{ ?= s_ k|fylds k"+hL 318, 238, 384.88 247, 422, 018.87

1_ r'Qmf k“"hL -;fwf/ )f z] o/ _ 230, 000, 000.00 230, 000, 000.00

2_ k|: tfljt jf] g; z] o/ 48, 300, 000.00 –

3_ z] o/ lk|ldod – –

4_ lkmtf{ gx"g] cu|flwsf/ z] o/ – –

5_ ;fwf/ )f hu] *f sf] if 39, 349, 763.89 26, 689, 123.03

6_ ;+lrt gfkmf÷-gf] S;fg_ 1, 377, 697.18 1, 577, 239.00

7_ jf;nftdf b] vfOPsf] rfn' cf=j=sf] gfkmf÷gf] S;fg lx;fjsf] / sd

8_ k"“hL lkmtf{ hu] *f sf] if – –

9_ k"“hL ;dfof] hg sf] if

10_ sN; Og P*efG;

11_ cGo : jtGq sf] ifx¿ –

#^fpg] M

VoftL (Goodwill) jfktsf] / sd

;LdfeGbf a(L z] o/ , ;"/ If)fkqdf nufgL ul/ Psf] / sd

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

cjf: tljs ;DklQ (Fictitious Assets) 789, 076.20 797, 943.17

o; a} +ssf] lgb] { zg kfngf gu/ L : jk|of] hgsf nflu #/ hUuf vl/ b u/ ] sf] / sd – 10, 046, 400.00

;LdfeGbf a(L cfjf; ejg lgdf{ )f tyf hUuf ljsf;df nufgL ul/ Psf] / sd

tf] lsPsf] ;doleq ljqmL ljt/ )f ug{ g;s] sf] z] o/ k|Tofe"lt

k|rlnt P] g tyf sfg"gn] k|ltaGw u/ ] sf JolQm tyf ;d"xx¿nfO{ k|bfg u/ ] sf] shf{ tyf ;"ljwfx¿

v= k"/ s k"+hL 23, 288, 699.82 21, 434, 119.13

1= c;n shf{ sf] nflu ul/ Psf] shf{ gf] S;fgL Joj: yf 22, 286, 745.16 20, 432, 164.47

2= ;DklQ k"g{ d"Nof°g sf] if – –

3= xfOlj|* k"+hL pks/ )fx¿ – –

4= ;'/ If)f g/ flvPsf] ;xfos cfjlws C)f – –

5= ;^xL ;lds/ )f sf] if 1, 954.66 1, 954.66

6= ;DklQ k"gd{ 'Nof++sg sf] if – –

7= nufgL ;dfof] hg sf] if 1, 000, 000.00 1, 000, 000.00

u= hDdf k"+hLsf] if -s ± v_ 341, 527, 084.69 268, 856, 138.00

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

k"+hLsf] if -11 k|ltzt_ 272, 940, 560.74 226, 494, 422.04

k|fylds k"+hL -5=5 k|ltzt_ 136, 470, 280.37 113, 247, 211.02

k"+hLsf] if [ clws÷-Go'g_] 2=76 68, 586, 523.96 42, 361, 715.96

k|fylds k"+hL [ clws÷-Go"g_] 7=33∞ 181, 768, 104.51 134, 174, 807.85



hf] lvd efl/ t ;DklQ ljj/ 0f tflnsf@)&! cfiff9 d;fGt

cg';"rL $=#) -s_

jf;nft adf] lhdsf] ;DklQ (On-Balance-sheet Assets) rfn' jif{ ut jif{

ef/ / sd hf] lvd efl/ t;DklQ / sd hf] lvd efl/ t

;DklQgub df} Hbft 0 38, 613, 098 – 33, 296, 027 –;'g -ljlgodof] Uo_ 0 – – – –g] kfn / fi^« a} +sdf / x] sf] df} Hbft 0 142, 222, 450 – 118, 633, 284 –g] kfn ;/ sf/ sf] C)fkqdf ul/ Psf] nufgL 0 – – – –g] kfn / fi^« a} +s C)fkqdf ul/ Psf] nufgL 0 – – – –cfkm\g} d'@tL / ;Lbsf] lwtf] df k")f{ ;'/ lIft x'g] u/ L k|bfg ul/ Psf] d'@tL / ;Lb lwtf] shf{ 0 31, 752, 329 – 20, 029, 329 –;/ sf/ L C)fkqsf] ] lwtf] df k")f{ ;'/ lIft x'g] u/ L k|bfg ul/ Psf] shf{ 0 – – – –art kqsf] kfpg' kg] { Aofh / sd (Accrued Interest) 0 – – – –ljkGg ju{ shf{ cGtu{ t u)fgf x'g] o'jf tyf ;fgf Joj;foL : j/ f] huf/ sf] ifdf ævÆ / æuÆ ju{ sf Ohfhtkqk|fKt ;+: yfn] hDdf u/ ] sf] / sd

20 –

: jb] zL a} +s tyf ljQLo ;+: yfx?df / x] sf] df} Hbft÷d'@lt / l;bsf] bfjL (Claims) 20 1, 983, 452 396, 690 5, 246, 609 1, 049, 322cGo Ohfhtkq k|fKt a} +s÷ljQLo ;+: yfsf] d'@tL / ;Lbsf] lwtf] df k")f{ ;'/ lIft x'g] – – – –u/ L k|bfg ul/ Psf] d'@tL / ;Lb lwtf] shf{ 20 – –ljb] zL a} +sx?df / x] sf] df} Hbft 20 – – – –dfu] sf] avt k|fKt x'g] / sd (Money at Call) 20 712, 822, 020 142, 564, 404 407, 365, 365 81, 473, 073cGt/ f{ li^«o >] )fLs[ t (Rated) a} +ssf] Uof/ ] )^Ldf uPsf] shf{ 20 – – – –cGt/ f{ li^«o >] )fLs[ t (Rated) a} +ssf] Uof/ ] )^Ldf uPsf] cGo nufgL 20 – – – –cGt/ a} +s ;fk^L 100 –z] o/ , l*a] ~r/ Pj+ a)*df ePsf] nufgL 100 6, 100, 000 6, 100, 000 6, 100, 000 6, 100, 000cGo nufgLx? 100 – –shf{ , ;fk^ tyf ljN; v/ Lb÷l*: sfp)^ -s"n / sd_ 100 2, 066, 610, 977 2, 066, 610, 977 1, 787, 123, 949 1, 787, 123, 949l: y/ ;DklQx? 100 42, 438, 052 42, 438, 052 35, 281, 937 35, 281, 937kfpg' kg] { cGo v'b Aofh / sd 100 – – – –cGo ;j} ;DklQx? -v"b clu|d s/ bflvnf afx] s_ 150 7, 147, 762 7, 147, 762 8, 035, 099 8, 035, 099;Ldf gf#] sf] l/ on : ^] ^÷cfjf;Lo #/ shf{ -s_ hDdf 3, 049, 690, 140 2, 265, 257, 886 2, 421, 111, 599 1, 919, 063, 380jf;nft jflx/ sf] sf/ f] jf/ (Off-balance sheet Items) 0ljN; sn] S;g 10 – – – –clu|d ljb] zL ljlgdo ;Demf} tf 20 – – – –6 dlxgf eGbf sd cjlwsf] k|lttkq -k'/ } / sd_ 20 – – – –cGt/ f+li^«o >] )FLs[ t (Rated) ljb] zL j} +ssf] sfp)^/ Uof/ ] )^Ldf hf/ L ul/ Psf] Uof/ ] )^L 50 – – – –6 dlxgf eGbf al( cjlwsf] k|lttkq -k'/ } / sd_ 50 – – – –lj*a)*, k/ km/ d] G; a)* / k|Tofe"lt (Underwriting) ;DjGwL k|ltj$tf 50 9, 350, 000 4, 675, 000 10, 150, 000 5, 075, 000k'gM vl/ b ug] { zt{ df laqmL u/ ] sf] shf{ 100 – – – –clu|d e'QmfgL Uof/ ] )^L (Advance payment Guarantee) 100 – – – –ljQLo tyf cGo hdfgt (Financial and other Guarantee) 100 – – – –ckl/ jTo{ shf{ k|lta$tf (Irrevocable Loan Commitment) 100 89, 357, 333 89, 357, 333 86, 907, 346 86, 907, 346cfos/ jfkt ;Defljt bfloTj 100 – – – –Acceptance ;lxt cGo ;a} k|sf/ sf ;Defljt bfloTjx? 100 – – – –k"gM l*: sfpG^ ul/ Psf ljnx¿ 100 – – – –r'Qmf jf e'Qmfg x'g af+sL z] o/ nufgL 200 – – – –e'QmfgLsf nflu bfjL k/ ] sf] hdfgt (Unpaid Guarantee Claims) 200 – – – –;+: yfpk/ bfjL k/ ] sf] t/ ;+: yfn] bfloTj : jLsf/ gu/ ] sf] ;Defljt bfloTjx? – – – –-v_ hDdf 100 98, 707, 333 94, 032, 333 97, 057, 346 91, 982, 346

;+rfng hf] lvd jfkt sfod ug'{ kg] { / sd -u_ 121, 987, 606 121, 987, 606 47, 994, 474 47, 994, 474s"n hf] lvd efl/ t ;DklQ -s_±-v_±-u_ 3, 270, 385, 079 2, 481, 277, 825 2, 566, 163, 419 2, 059, 040, 200



k|d'v ;"rsf°sDtLdf ljut % jif{ sf] kl/ ;"rsx¿

cg';"rL $=#!

ljj/ )f ;"rsf°cf=j=

2065÷66

cf=j=

2066÷67

cf=j=

2067÷68

cf=j=

2068÷69

cf=j=

2069÷70cf=j=

2070÷711= v'b gfkmf÷s"n cfDbfgL k|ltzt k|ltzt 26=82 12=02 15=32 15=87 17=70 19=24

2= k|lt z] o/ cfDbfgL ?= 11=41 10=61 13=91 17=94 25=01 27=52

3= k|lt z] o/ ahf/ d"No ?= 108 126 340

4= d"No cfDbfgL cg'kft (PE Ratio) cg'kft 6=02 5=04 12=35

5= z] o/ k"+hLdf nfef+z -af] g; ;lxt_ k|ltzt 15 15 21 22=11

6= z] o/ k"+hLdf gub nfef+z e'QmfgL k|ltzt 15 15 6 1=11

7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 6=62 12=69 16=43 18=02 14=32 14=45

8= sd{ rf/ L vr{ ÷s"n ;+rfng vr{ k|ltzt 10=73 9=12 7=96 7=81 9=58 10=65

9= s"n lgIf] k tyf ;fk^Ldf Jofh vr{ k|ltzt 4=40 5=78 8=26 8=84 7=29 6=50

10= ;^xL #â( cfDbfgL÷s"n cfDbfgL k|ltzt

11= sd{ rf/ L af] g;÷s"n sd{ rf/ L vr{ k|ltzt 22=71 28=03 36=15 38=73 38=07 37=99

12= v'b gfkmf÷shf{ ;fk^ k|ltzt 1=11 2=22 2=73 3=1 2=77 3=02

13= v'b gfkmf÷s"n ;DklQ cg'kft 0=84 1=28 0=02 0=02 2=08 2=09

14= s"n shf{ ÷lgIf] k k|ltzt 89=16 67=55 81=54 78=12 86=11 78=74

15= s"n ;~rfng vr{ ÷s"n ;DklQ k|ltzt 5=28 7=10 8=71 9=47 8=16 7=45

16= hf] lvd efl/ t ;DklQdf k"hLsf] ifsf] kof{ Kttf

s= k|fylds k"+hL k|ltzt 19=52 18=67 17=99 16=36 11=96 12=83

v= k"/ s k"+hL k|ltzt 8=52 0=86 0=91 0=98 0=92 0=94

u= s"n k"+hL sf] if k|ltzt 11=00 19=52 18=89 17=35 12=88 13=76

17= t/ ntf cg'kft 2=35 5=75 3=62 5=30 5=62 5=56

18= lgis[ o shf{ ÷s"n shf{ k|ltzt 0=06 0=06 0=13 0=07 0=18 0=17

19= Jofh b/ cGt/ (Weighted Average Interest Rate Spread)

4=57 5=5 6=32 6=63 7=25 7=17

20= a's g] ^jy{ ?= 66, 057, 745 147, 544, 171 215, 373, 529=00 221, 245, 064=98 259, 268, 316=70 320, 029, 415=74

21= s"n z] o/ ;+Vof 520, 000 1, 300, 000 2, 000, 000 2, 000, 000 2, 300, 000 2, 783, 000

22= s"n sd{ rf/ L ;+Vof 20 40 46 51 67 75

23= cGo



k|d'v n] vfgLltx?cg';"rL – 4=32

ljQLo ;+: yfn] ckgfPsf] k|d'v n] vf gLltx? lgDgfg';f/ / x] sf %g\ .

1= ;fdfGo hfgsf/ L sfdgf ljsf; a} +s lnld^] * g] kfndf : yflkt Ps ;Lldt bfloTj ePsf] sDkgL xf] . o;sf] / lhi^*{ -s] Gb|Lo_ sfof{ no

;[ hgfrf] s, kf] v/ f pk dxfgu/ kflnsfdf / x] sf] % . ‘v’ ju{ sf ljQLo ;+: yfsf] ?kdf sfo{ / t o; sDkgLsf] bz zfvf / x] sf] % .

a} +ssf] ;+rfns ;ldltsf] ldlt 2071.05.12 df a;] sf] a} &saf^ ;+nUg ljQLo ljj/ )fx? kfl/ t ePsf] lyof] . g] kfn n] vfdfg cg'?k oyfy{ / plrt lrq)f ug] { ljQLo ljj/ )fx? tof/ Pj+ k|: t't ug] { lhDd] jf/ L Joj: yfkgdf / x] sf] % .

2= ljQLo ljj/ )fx?sf] cfwf/ M a} +ssf] ljQLo ljj/ )fx? P] ltxfl;s d"No cawf/ )ffsf] cfwf/ df ;j{ dfGo n] vf l;$fGt, a} +lsª Aoj;fodf k|rlnt n] vfgLlt

g] kfn n] vfdfg (NAS) nfO{ cfwf/ lnO{ g] kfn / fi^« a} +ssf] lgb] { zg / a} s tyf ljQLo ;+: yf ;DaGwL P] g 2063 cg';f/ tof/ ul/ Psf %g\ . a} +sn] ckgfPs] f k|d'v n] vfgLltx? b] xfo adf] lhd %g\ .

3= l: y/ ;Dklt / x|f;s^\^L M l: y/ ;DklQnfO vl/ b÷lgdf{ )f ubf{ nfu] sf] d"Nodf / ;f] ;+u ;DalGwt cGo vr{ x? ;dfj] ; ul/ x'g cfpg] d"Nodf b] vfOPsf]

% . ;DklQsf] x|f; s^\^L Joj: yfkgn] tf] s] sf] b/ / Written Down Value sf] cfwf/ df ul/ Psf] % .

l: y/ ;DktL x|f; b/ Kf|ltztdf k/ Ljxg ;fwg 15.00 sfof{ no ;fdfg 15.00 cGo 15.00

4= cfos/ Joj: yf gLlt M cfos/ P] g, 2058 tyf cfos/ lgodfjnL, 2059 adf] lhd : jo+s/ lgwf{ / )faf^ lgwf{ l/ t s/ of] Uo cfodf 30 k|ltztn] x'g]

/ sd cfos/ jfkt Joj: yf ul/ Psf] % . a} +sn] u/ ] sf] cfos/ Joj: yf ;DalGwt / fhZj sfof{ noaf^ clGtd s/ lgwf{ / )f x'bf #â( ePdf To: tf] km/ s / sdnfO{ ;f] xL jif{ cfjZostfg';f/ n] vf+sg ul/ g] % .

g] kfn n] vfdfg 9 cg';f/ ;Dklt tyf bfloTjsf] cfwf/ df : yug ul/ Psf] s/ sf] n] vf~sg ul/ Ps] f % . ljlQo ljj/ )f cg';f/ ;Dklt tyf bfloTjsf] / sd tyf s/ sf cfwf/ lar km/ s eO{ ;[ hgf x'g] c: yfO{ cGt/ (Temporary Difference) sf] sf/ )fn] eljiodf ;[ hgf x'g] s/ bfloTj tyf ;Dkltsf] nfut / fVg] pb] Zon] : yug s/ sf] n] vf°g ul/ Psf] % . g] kfn n] vfdfg tyf g] kfn / fi^« a} ssf] lgb] { lzsfn] lglb{ i^ u/ ] adf] hLd ljlQo ljj/ )fdf : yug s/ ;Dklt tyf bfloTjnfO{ ;dfof] hg (Netted Off) u/ L ;f] xL cg';f/ jf;nftdf : yug cfos/ ;Dklt tyf bfloTj cGtu{ t n] vf°g ug] { gLlt lnOPsf] % . : yug s/ ;DaGwL pk/ f] St n] vf°sg lqmofsnfksf sf/ )f ;DklQ ;[ hgf ePdf ;f] / sd gfkmf gf] S;fg af*kmf+* lx;fjdf vr{ n] vL : yug s/ hu] *f sf] if v*f ug{ 'sf ;fy} ;f] sf] ifsf] / sd : yug s/ afx] s cGo k|of] hgsf nflu k|of] u gug] { gLlt / x] sf] % .

5= nufgL ;DaGwL gLlt M lwtf] kq ljlgdo ahf/ df ;'lrs[ t ePsf z] o/ tyf jG*df ePsf] nufgLnfO{ jhf/ d"No tyf vl/ b d"No h'g sd % ;f] xL

cg";f/ ;dfof] hg u/ L d"No sfod ul/ Psf] % .



lwtf] kq ljlgdo ahf/ df ;'lrs[ t gePsf] z] o/ df ul/ Psf] nufgLnfO{ nfut d"Nodf d"Nof+sg u/ L ;f] xL cg';f/ b] vfO{ g] gLlt ckgfOPsf] % .

g] kfn / fi^« j} +ssf] lgb] { zg jdf] lhd ahf/ d"No v/ Lb d"No eGbf sd ePdf km/ s / sdnfO{ Joj: yf ug] { gLlt lnPsf] % .

g] kfn / fi^« a} sn] tf] s] sf] cjlw ;Dddf klg ;'lrs[ t gePsf sDkgLsf] z] o/ df ePsf] nufgLnfO{ nufgL ;dfof] hg sf] if v*f u/ L cfjZos / sd gfkmf gf] S;fg vftfaf^ jf+*kmf+* ug] { gLlt / x] sf] % .

cGo nufgLnfO{ nfut cyjf ahf/ d"No dWo] sd / sddf d"Nof+sg u/ L ;f] xL cg';f/ b] vfOg] gLlt ckgfOPsf] % .

6= u} / a} +lsª ;DklQsf] n] vf+sg gLlt M c;'n x'g g;s] sf] shf{ sf] ;'/ If)fsf] ?kdf / x] sf] ;DklQnfO{ shf{ c;'nLsf] qmddf sDkgLn] ;sf/ ubf{ To;nfO{ u} / a} +lsª

;DklQdf b] vfpg] u/ ] sf] % . lwtf] ;sf/ ubf{ lwtf] df / x] sf] ;DklQsf] ahf/ d"NonfO{ Wofgdf / flv s"n jSof} tf -Jofh / sd ;d] t_ shf{ / sd jf ahf/ d"Nodf h'g sd x'G% ;f] lx d"Nodf ;sf/ ug] { lglt / x] sf] %. g] kfn / fi^« a} +sn] lbPsf] lgb] { zg jdf] lhd oL ;DklQsf] gf] S;fgL Joj: yf ug] { / o: tf] Joj: yf / sdnfO{ ;f] xL ;DklQaf^ Go'g ul/ b] vfpg] lglt ckgfPsf] % .

7 k"+hLs[ t gul/ g] ;DklQx? ;DaGwL n] vf°g gLlt M ?= 5, 000 -kf+r xhf/ _ cyjf ;f] eGbf sd nfutsf] l: y/ ;DklQ vl/ bnfO{ v/ Lbu/ ] sf] jif{ dfg} cfout (Revenue) vr{

dfgL ckn] vg ug] { gLlt / x] sf] % .

8= cfDbfgL÷vr{ n] vf+sg gLlt M Aofh u)fgfsf] cfwf/ M Aofh lbg'kg] { lgIf] k / ;fk^L vftfx?df Aofh lb“bf / shf{ ;fk^df Aofh ln+bf 365 lbgsf] Ps

aif{ sf] cfwf/ dfgL u)fgf ug] { gLlt / x] s] f % . To: t} nufgLdf kfpg] AofhnfO{ ;d] t 365 lbgsf] Ps aif{ s] f cfwf/ dflg u)fgf ug] { gLlt / x] s] f % .

shf{ df Aofh cfDbfgL M g] kfn / fi^« a+} såf/ f hf/ L lgb] { zgx? cg"?kg} shf{ tyf ;fk^df k|fKt AofhnfO{ gub k|fKtLsf] cfwf/ df n] vf+sg ug] { gLlt lnO{ Psf] % . gub k|flKtsf cfwf/ df Aofh cfDbfgL hgfpg] of] gLlt g] kfn n] vfdfg –07 Revenue ;+u ;fdfGh: o %} g .

sldzg cfDbfgL M sldzg cfDbfgLnfO{ gub k|flKtsf] cfwf/ df k|fKt u/ ] sf] aif{ dfg} cfDbfgL hgfpg] gLlt / x] s] f % .

Aofh tyf cGo vr{ M Aofh ltg'{ kg] { lgIf] k bfloTj tyf shf{ ;fk^df ltg"{ kg] { Aofh / sdnfO{ cflh{ t cfwf/ df (Accrual Basis) n] vf+sg ul/ Psf] % .

nufgLdf AofhM nufgLaf^ ePsf] Aofh cfDbfgLnfO{ cflh{ t cfwf/ df (Accrual Basis) n] vf+sg ug] { gLlt ckgfOPsf] % .

9= ;Defljt shf{ gf] S;fgL Aoj: yf tyf c;'nL x'g g;Sg] shf{ x?sf] ckn] vg gLltM

shf{ , ;fk^ tyf ljn v/ LbnfO{ g] kfn / fi^« a} ++saf^ hf/ L lgb] { zg adf] lhd juL{ s/ )f ul/ Psf] % . shf{ ;fk^ tyf ljn

v/ LbnfO{ jf;nftdf ;Defljt gf] S;fgL Aoj: yf kl%sf] v'b d"Nodf b] vfOPsf] % .

shf{ ;fk^sf] ckn] vg g] kfn / fi^« a} +saf^ hf/ L lgb] { zg Pj+ a} +ssf] shf{ ckn] vg gLltdf Aoj: yf eP adf] lhd ug] { gLlt

ckgfOPsf] % .



10= cGo gLltx? M

1= k/ ;fl/ Psf vr{ x?

• sDko"^/ ;km\^j] o/ df ePsf] vr{ nfO{ k"+hLs[ t u/ L 5 jif{ ;Dddf ckn] vg ug] { gLlt ckgfOPsf] % .

• lnhxf] N* ljsf; vr{ nfO{ k+"hLs[ t u/ L 10 jif{ ;Dddf ckn] vg ug] { gLlt ckgfOPsf] % .

2= sd{ rf/ L ljbf M

sDkgLsf] sd{ rf/ Lsf] ;f] w egf{ lng ;lsg] ljbfsf] / sdnfO{ kfs] sf] cfwf/ df (Accural Basis) n] vf+sg ul/ Psf]

% .

3= sd{ rf/ L ;+rosf] if M sd{ rf/ L ;+rosf] ifdf ;+: yfn] lbg] yk / sd dfl;s ?kdf ;+: yfsf] gfkmf gf] S;fg lx;fadf vr{ n] vL n] vf+sg ug] { u/ ] sf] % .

;+: yfaf^ k|bfg ul/ g] yk / sd tyf sd{ rf/ Laf^ s§f x'g] / sdsf] hf] *nfO{ gful/ s nufgL sf] ifdf %'^} vftfdf hDdf ug] { Aoj: yf % .

4= sd{ rf/ L af] g; sd{ rf/ L af] g;, af] g; P] g 2030 adf] hLd u)fgf ug] { ul/ Psf] % .



n] vf;“u ;DalGwt l6Kk0fLx?

cg';"rL – 4=33

1= cfly{ s jif{ df k|jfx, c;'nL / ckn] vg ul/ Psf] ;f+jfsf] ljj/ )f o; k|sf/ / x] sf] % .


z'? df} Hbft 1, 807, 153, 278.02 1, 158, 466, 024.70

s"n shf{ k|jfx 1, 405, 420, 900.00 1, 491, 081, 360.00

s"n shf{ c;'nL 1, 114, 210, 871.97 842, 394, 106.68

s"n shf{ ckn] vg

clGtd df} Hbft 2, 098, 363, 306.05 1, 807, 153, 278.02

2= lgIf] k bfloTj cGtu{ t k|To] s lzif{ sdf jif{ el/ df kl/ jt{ g ePsf] / sdsf] ;+lIfKt ljj/ )f M

qm=;+= lgIf] k ljj/ )f o; jif{ ?= ut jif{ ?= j[ l$÷-sdL_ %

1 rNtL lgIf] k 29, 369, 533.73 2, 822, 1301.16 4.07

2 jrt lgIf] k 1, 444, 792, 115.00 1, 152, 544, 570.54 25.36

3 d'$tL lgIf] k 740, 899, 253.48 545, 849, 791.50 35.73

4 sn lgIf] k 449, 706, 808.32 372, 106, 872.88 20.85

hDdf ?= 2, 664, 767, 710.53 2, 098, 722, 536.08 26.97

3= lgIf] k / shf{ sf] efl/ t cf} ift Aofh b/ sf] cGt/ o;k|sf/ % M shf{ tyf ;fk^Ldf 14=34 k|ltzt lgIf] k bfloTjdf 7=27 k|ltzt cGt/ 7=07 k|ltzt

4= ckn] vg x"g af+sL vr{ sf] ljj/ )f o; k|sf/ / x] sf] % .

qm=;+ ljj/ )f ut jif{ o; aif{ yk o; aif{ ckn] vg af+sL ?=

1 z] o/ lgZsf;g vr{ 1, 183, 614.30 394, 538.10 789, 076.20

2 sDk'^/ ;km\^j] o/ vr{ 797, 943.17 998, 000.00 503, 881.17 1, 292, 062.00

5= sf] ifdf cfwfl/ t tyf u} / sf] ifdf cfwfl/ t s'g} Ps AolQm, kmd{ , sDkgL jf ;+ul&t ;+: yfnfO{ k|bfg u/ ] sf] shf{ tyf ;fk^ g] kfn / fi^« a} +sn] tf] s] sf] l;df leq / x] sf] % . If] qut shf{ df e'QmfgL ePsf] shf{ dWo] s'g} Ps If] qdf k|bfg ul/ Psf] shf{ k|fylds k"+hL eGbf a(L ePdf ;f] nfO{ ;+rfns ;ldltsf] cg'df] bg k|fKt ug] { u/ ] sf] % .



6= ;DklQ tyf bfloTjsf] e'QmfgL calwsf] cfwf/ df auL{ s/ )f o; k|sf/ % M?= xhf/ df

1–90 lbg 91–180 lbg 181–270 lbg271– 365

lbg1 jif{ eGbf j(L s"n / sd

;DklQ

gub df} Hbft 38, 613.10 38, 613.10

a} +s tyf ljQLo ;+: yf df} Hbft 857, 027.92 857, 027.92

ljb] zL a} +sdf ul/ Psf] nufgL

g] kfn ;/ sf/ sf] C)fkq

g] kfn / fi^« j} +ssf] ] C)fkq

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

shf{ ;fk^ 42, 025.02 105, 062.55 273, 162.62 420, 250.18 1, 257, 862.85 2, 098, 363.22

Kffpg' kg] { Aofh 13, 750.85 13, 750.85

l/ e;{ l/ kf]

cGo

s"n ;DklQ 951, 416.89 105, 062.55 273, 162.62 420, 250.18 1, 257, 862.85 3, 007, 755.09

bfloTj

rNtL lgIf] k 14, 138.99 14, 855.00 28, 993.99

jrt lgIf] k 186, 333.49 279, 500.24 652, 167.22 465, 833.73 310, 664.24 1, 894, 498.92

d'$tL lgIf] k 20, 277.9 50, 986.27 5, 655.10 468, 193.56 195, 786.42 740, 899.25

C)fkqx?

;fk^LM

dfu÷cNk ;"rgf

cGt/ a} +s÷ljQLo ;+: yf

k'g/ shf{

cGo 34, 140.42 1, 674.72 35, 815.15

;G*««L s|] *L^;{ 2, 876.44 2876.44

e'QmfgL lbg'kg] { ljn 369.45 369.45

e'QmfgL lbg'kg] { Aofh 17, 487.63 17487.63

cGo 13, 406.90 1, 674.73 15081.63

s"n bfloTj 254, 890.80 330, 486.51 657, 822.32 934, 027.29 522, 980.39 2, 700, 207.31

v"b ljQLo ;DklQ 696, 526.08 -225, 423.96_ -384, 659.70_ -513, 777.11_ 734, 882.47 307, 547.78

;l~rt v"b ljQLo ;DklQ 696, 526.08 471, 102.12 86, 442.41 -427, 334.69_ 307, 547.78 0.00

7= ;'/ lIft C)f M a} +sn] o; cfly{ s aif{ df ;DklQ lwtf] / fvL shf{ lnPsf] %} g .

8= a} +sn] xfn;Dd u} / a} +lsª ;DklQ ;sf/ ] sf] %} g .

9= 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) / x] sf] %} g tyf

s"g} z] o/ hkmt ul/ Psf] %} g .

10 lnhxf] N* ;DklQ M

lnhxf] N* ;DklQsf] ljj/ )f lgDg adf] lhd % .

qm=;+ ljj/ )f ut jif{ o; aif{ yk o; aif{ ckn] vg af+sL ?=

1 lnhxf] N* ;DklQ 5, 128, 515.90 3, 177, 680.12 1, 033, 857.46 7, 272, 338.56



11= sd{ rf/ L cfjf; tyf sd{ rf/ L jf] g; Joj: yf M >d P] g 2048 jdf] lhd sd{ rf/ L cfjf; Joj: yfdf / sd %'^\ofOPsf] %} g . af] g; P] g 2030 sf] Aoj: Yff cg';f/ s/

Aoj: yf cl#sf] v'b gfkmfsf] 10 k|ltztn] x'g] ?= 9, 110, 101.19 -ut aif{ ?= 7, 142, 516.79_ sd{ rf/ L af] g;af^ vr{ Aoj: yf u/ ] sf] % .

12= ;fwf/ )f hu] *f sf] if a} +s tyf ljQLo ;+: yf ;DalGw P] g 2063 sf] Joj: yf cg";f/ v"b gfkmfsf] 20 k|ltztn] x'g] ?= 12, 660, 640.86 -ut aif{

?= 1, 004, 650.34_ ;fwf/ )f hu] *f sf] ifdf ;f/ ] sf] % .

13= g] kfn n] vfdfg (NAS 9) cg';f/ x"g cfpg] k/ ;fl/ Psf] cfos/ bfloTj ?= 570, 944 nfO{ cGo bfloTjdf b] vfOPsf] % . o;sf] la: t[ t ljj/ )F laQLo ljj/ )fdf ;+NfUg ul/ Psf] % . ut cf=j= / o; cf= j= sf] km/ s ?= 430, 366.06 nfO{ gfkmf gf] S;fg lx;fjdf vr{ n] lvPsf] % .

k/ ;fl/ Psf] s/ bfloTjsf] laj/ )f lgDg adf] lhd %g\ M

ljj/ )f cfiff( 32, 2071 dfk/ ;fl/ Psf] s/ bfloTj (Deferred Tax Liabilities ) l: y/ ;DklQdf 1, 425, 143.22s"n k/ ;fl/ Psf] s/ bfloTj (Total Deferred Tax Liabilities ) 1, 425, 143.22k/ ;fl/ Psf] s/ ;DkQL (Deferred Tax Assets )pkbfg 352, 725ljbf jfktsf] / sd 119, 771.56cGo ;DklQdf ul/ Psf] Joj: yf 167, 451.06sDKo'^/ ;km\^j] o/ 214, 251.94s"n k/ ;fl/ Psf] s/ ;DklQ (Total Deferred Tax Assets ) 854, 199.56v"b k/ ;fl/ Psf] s/ bfloTj (Net Deferred Tax Liabilities ) 570, 943.66

cfos/ u)fgf k|of] hgsf] nflu lgwf{ l/ t cfo tyf ljQLo ljj/ )f cg';f/ sf] gfkmfsf] ] cGt/ ;DaGw lgDg adf] lhd % M

ljj/ )f / sdn] vf cg";f/ sf] gfkmf (Accounting Profit) 91, 101, 011.86lgwf{ l/ t s/ sf] b/ 30∞ n] x'g] / sd 27, 330, 303.56s/ of] Uo cfo lgwf{ / )f ubf{ bfjL ug{ gkfpg] vr{ ÷;dfj] z ug{ gkg] { cfosf] ;dfof] hgjf^ s/ df kg] { km/ s / sd

rGbf 52, 020.30 z] o/ lgZsf;g vr{ 11, 8361.43 cGo ;dofGt/ df ePsf] kl/ jt{ g 297, 122.27hDdf s/ vr{ 27, 797, 807.56 rfn' cfos/ 27, 367, 441.50 : yug s/ vr{ 43, 0366.06hDdf 27, 797, 807.56

cfos/ Joj: yf cfos/ P] g 2058 tyf ;f] P] g cGtu{ t ag] sf] lgod cg";f/ : jo+s/ lgw{ f/ )f cg';f/ sfod ePsf] s/ of] Uo cfosf]

cfwf/ df cfos/ u)fgf u/ L o; aif{ cfos/ jfkt ?= 27, 367, 441.50 -ut aif{ ?= 21, 737, 385.51_ lx;fadf Aoj: yf u/ ] sf] % .



k|: tfljt jf] g; z] o/ tyf gub nfef+z M z] o/ k"+hLsf] 21∞ n] x'g cfpg] ?= 48, 300, 000 af] gz z] o/ sf] ?kdf / 1=11∞ n] ] x'g cfpg] ?= 2, 542, 105.26 -af] gz

z] o/ sf] ] s/ k|of] hgsf] nflu_ gub nfef+zsf] ?kdf ljt/ )f ug{ k|: tfljt ul/ Psf] % . pQm nfef+z / af] gz z] o/ g] kfn / fi^« a} +saf^ : jLs[ t eO{ ;fwf/ )f ;efaf^ kfl/ t eP kZrft dfq ljt/ )f x'g] % .

14= ;DjlGwt kf^L{ (Related Party) ;DaGwL pb\#f] if)f g] kfn n] vfdfg 16 (Nepal Accounting Standard-16) cg';f/ lgDgfg';f/ nfO{ ;DalGwt kIf elg kl/ eflift ul/ Psf]

% M

Joj: yfkgdf / x] sf k|d'v JolQmx? (Key Management Persons)Joj: yfkg / x] sf k|d'v JolQmsf] ljj/ 0f lgDgfg';f/ / x] sf] 5 . ! >L / fh] Gb|lglw sf] O/ fnf cWoIf @= >L v] dgfy e§/ fO{ ;+rfns #= >L Ps/ fh hd/ s§] n ;+rfns $= >L b] js[ i0f sfkm\n] ;+rfns %= >L lai0f'/ fh k/ fh'nL ;+rfns -@)&) r} q )# b] lv_ ^= >L / fdsfhL >] i7 ;+rfns &= >L b] jfg u'?Ë ;+rfns *= >L / fds'df/ lkof ;+rfns

( >L l/ a axfb'/ yfkf ;+rfns -@)&) df3 @! ;Dd_ !)= >L pd] z s'df/ cfrfo{ k|d'v sfo{ sf/ L clws[ t

a} +s tyf ;DalGwt JolQmx?jLr ePsf] sf/ f] af/ sf] lgldQ o; jif{ lgDg vr{ x? e'QmfgL ul/ Psf] % .

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n] vfk/ LIf0f k"j{ / n] vfk/ LIf0f kZrft\sf] ljQLo ljj/ 0fsf] t'ngfcf=j= @)&)÷)&!

cg';"rL $=#%/ sd ?= xhf/ df

l;=g+= ljj/ )f

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1 s"n k'“hL tyf bfloTj 3, 075, 957.00 3, 025, 383.77 -49, 248.68_ -0.02_

1=1 r'Qmf k"+hL 230, 000 278, 300.00 -48, 300.00_ -0.21_ Proposed Bonus Share 1=2 hu] *fsf] if tyf gfkmf 93, 096 41, 729.42 -51, 366.88_ -0.55_ Due to audit adjustments 1=3 C)fkq tyf aG* – –1=4 ltg{ af+sL shf{ { ;fk^ – – –1=5 lgIf] k bfloTj 2, 664, 768 2, 664, 768 -0.00_ -0.00_

s= : jb] zL d"b|f 2, 664, 768 2, 664, 768 -0.00_ -0.00_v= ljb] zL d"b|f – –

1=6 e'QmfgL lbg'kg] { ljnx? – 369.45 -369.45_ – Included in Other Liabilities 1=7 k|: tflat gub nfef+z – 2, 542.11 Due to Proposed Dividend 1=8 cfos/ bfloTj 27, 355 1, 100.28 26, 254.57 Due to net off of tax liability and

advance tax 1=9 cGo bfloTj 60, 738 36, 574.82 24, 163.63 0.40 Due to audit adjustments and LLP 2 s"n ;DklQ 3, 075, 957.00 3, 025, 383.77 50, 573.53 0.02

2=1 gub tyf a} +s df} Hbft 895, 641 182, 819.00 712, 822.02 0.802=2 dfu tyf cNk ;"rgfdf k|fKt x'g] / sd 712, 822.02 -712, 822.02_ Due to inclusion of this amount in

cash balance above 2=3 nufgL 6, 100 6, 100.00 – –2=4 shf{ ;fk^ tyf ljn v/ Lb 2, 098, 363 2, 074, 056.94 24, 306.37 0.01 Due to inclusion of LLP 2=5 l: y/ ;DklQ 42, 438 42, 438.05 -0.00_ -0.00_2=6 u} / a+} lsª ;DklQ – – – –2=7 cGo ;DklQ 33, 415 7, 147.76 26, 267.17 0.79 Due ot netting off of advance tax with

tax provision and other adjustment 3 gfkmf gf] S;fg lx;fj

3=1 Jofh cfDbfgL 303, 114 303, 114 – –3=2 Jofh vr{ 173, 184 173, 184 – –

s= v'b Jofh cfDbfgL 129, 930.93 129, 930.93 – –

3=3 lkm, sldzg tyf l*: sfp)^ 4, 369.75 4, 369.75 – –3=4 cGo ;Grfng cfDbfgL 21, 061.81 21, 061.81 –3=5 ;^xL #â( cfDbfgL – – –

v= s"n ;`rfng cfDbfgL 155, 362.50 155, 362.50 – –

3=6 sd{ rf/ L vr{ 23, 981.30 23, 981.30 – –3=7 cGo ;~rfng vr{ 28, 021.78 28, 111.78 -90.00_ -0.00_ Due to audit adjustment

u= ;Defljt gf] S;fgL Joj: yf cl#sf] ;~rfng d'gfkmf 103, 359.42 103, 269.42 90.00 0.00

3=8 ;Defljt gf] S;fgL Joj: yfx? 3, 476.62 3, 476.62 – –#= ;~rfng d'gfkmf 99, 882.80 99, 792.80 90.00 0.00

3=9 u} / ;~rfng cfDbfgL÷gf] S;fg 418.31 418.31 –3=10 ;Defljt gf] S;fgL Joj: yfaf^ lkmtf{ – – –ª= lgoldt sf/ f] jf/ af^ ePsf] d'gfkmf 100, 301.11 100, 211.11 90.00 0.00

3=11 c;fdfGo sf/ f] jf/ x?af^ ePsf] d'gfkmf ÷vr{ – – –r= ;Dk")f{ sf/ f] jf/ ;dfj] z kl%sf] v'b d'gfkmf 100, 301.11 100, 211.11 90.00 0.00

3=12 sd{ rf/ L af] g; Joj: yf 9, 118.28 9, 110.10 8.18 0.00 Due to change in profit 3=13 cfos/ Joj: yf 27, 354.85 27, 797.81 -442.96_ -0.02_ Due to audit adjustments

%= v'b gfkmf÷gf] S;fg 63, 827.98 63, 303.20 524.78 0.01



Unaudited Financial Results (Quarterly)As at Fourth Quarter (32/ 03/ 2071) of the Fiscal Year 2070/ 2071

cg';"rL $ cRs. in '000

S.N Particulars This Quarter Ending

Previous QuarterEnding

Corresponding Previous Year Quarter

1 Total Capital and Liabilities(1.1 to 1.7) 3, 075, 957 2, 875, 805 2, 442, 310 1.1 Paid up Capital 230, 000 230, 000 200, 000

Call in Advance1.2 Reserve and Surplus 93, 096 53, 640 71, 200 1.3 Debenture and Bond1.4 Borrowings1.5 Deposits (a + b) 2, 664, 768 2, 492, 789 2, 098, 723

a. Domestic Currency 2, 664, 768 2, 492, 789 2, 098, 723 b. Foreign Currency

1.6 Income Tax Liability 27, 355 10, 445 21, 410 1.7 Other Liabilities 60, 738 88, 931 50, 978 2 Total Assets (2.1 to 2.7) 3, 075, 957 2, 875, 805 2, 442, 310 2.1 Cash and Bank Balance 895, 641 733, 984 564, 541 2.2 Money at Call and Short Notice - - - 2.3 Investments 6, 100 6, 100 6, 100 2.4 Loans and Advances 2, 098, 363 2, 055, 262 1, 807, 153

a. Real Estate Loan 132, 858 106, 795 17, 292 1. Residental Real Estate Loan (Except personal home Loan upto Rs. 10 Million)2.Business Complex & Residental Apartment Construction Loan3.Income Generating Commercial Complex Loan4. Other Real Estate Loan (including Land Purchase & Ploating) 132, 858 106, 795 17, 292 b. Personal Home Loan of Rs. 10 Million or Less 418, 890 425, 127 365, 484 c. Margin Type Loan 700 693 1, 162 d. Term Loan 398, 029 374, 948 296, 723 e. Overdraft Loan/ TR Loan/ WC Loan 628, 216 652, 092 667, 383 f. Others 519, 671 495, 608 459, 110

2.5 Fixed Assets 42, 438 40, 169 35, 285 2.6 Non Banking Assets - - - 2.7 Other Assets 33, 415 40, 290 29, 230

3 Profit and Loss Account Up To This Quarter

Up To Previous Quarter (unaudited)

Up To Corresponding Year Quarter Ending

3.1 Interest Income 303, 114 216, 221 258, 779 3.2 Interest Expense 173, 184 128, 631 153, 041

A. Net Interest Income (3.1- 3.2) 129, 931 87, 591 105, 738 3.3 Fees, Commission and Discount 4, 370 2, 426 2, 993 3.4 Other Operating Income 21, 062 16, 288 20, 821 3.5 Foreign Exchange Gain / Loss (Net) - 0 -

B. Total Operating Income ( A.+3.3+3.4+3.5) 155, 362 106, 304 129, 552 3.6 Staff Expenses 23, 981 17, 028 18, 949 3.7 Other Operating Expenses 28, 022 18, 569 23, 881

C. Operating Profit Before Provision (B.-3.6-3.7) 103, 359 70, 707 86, 721 3.8 Provision For Possible Losses 3, 477 32, 305 8, 183

D. Operating Profit (C.-3.8) 99, 883 38, 402 78, 538 3.9 Non Operating Income / Expenses (Net) 418 (103) (37)3.10 Write Back Of Provision For Possible Loss - - -

E. Profit From Regular Activities (D.+3.9+3.10) 100, 301 38, 299 78, 502 3.11 Extraordinary Income / Expenses (Net) - - -

F. Profit Before Bonus and Taxes (E.+3.11) 100, 301 38, 299 78, 502 3.12 Provision For Staff Bonus 9, 118 3, 482 7, 137 3.13 Provision For Tax 27, 355 10, 445 21, 410

G. Net Profit / Loss (F. -3.12-3.13) 63, 828 24, 372 49, 956

4 Ratios At the End of This Quarter

At the End ofPrevious Quarter

At the End of Corresponding

Previous Year Quarter 4.1 Capital Fund to RWA 13.88% 12.68% 13.61%4.2 Non Performing Loan (NPL) To Total Loan 0.17% 1.96% 0.18%4.3 Total Loan Loss Provision to Total NPL 673.39% 133.31% 644.38%4.4 Cost of Fund 7.27% 7.47% 8.55%4.5 CD Ratio as per NRB Directive 70.27% 74.12% 76.65%4.6 Interest Rate Spread (As per NRB Directive) 7.17% 6.92%





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