;an tyf ;zQm Report of 2073-74.pdf · ;ef x'g] lbg laxfg (M)) ah ]b]lv xflh/ k 'l:tsf v 'Nnf /xg ]5 . b|i6JoM a }+ssf ] jflif {s k |ltj ]bg ;Dk "0f{ z ]o/wgLdxfg 'efjx?nfO { x 'nfs÷s

#!cf} + jflif{s k|ltj]bgcf=j= @)&#÷&$ (2016/17)

;an tyf ;zQm

-

#! cf}+ jflif{s k|ltj]bg 1

ljifo;"rL

;+rfns ;ldlt M @

;fwf/0f ;ef;DaGwL ;"rgf M #

;ef;DaGwL ;fdfGo hfgsf/L M $

;+rfns ;ldltsf] k|ltj]bg M &

n]vfk/LIfssf] k|ltj]bg M @%

jf;nft M @*

gfkmf–gf]S;fg lx;fa M @(

gfkmf–gf]S;fg af“8kmf“8 lx;fa M #)

gubk|jfx ljj/0f M #!

OlSj6Ldf ePsf] kl/jt{g;DaGwL ljj/0f M #@–##

jf;nft;“u ;Da4 cg';"rLx¿ !–!^ -s_ M #$–$&

;Defljt bfloTjx¿ -cg';"rL !&_ M $&

gfkmf–gf]S;fg;“u ;Da4 cg';"rLx¿ !*–@*-s_ M $*–%$

;+rfns, sfo{sf/L k|d'v -cg';"rL @(_ M %%

k"“hLsf]if tflnsf -cg';"rL #) -s_ !_ M %^

hf]lvd efl/t ;DklQ ljj/0f tflnsf -cg';"rL #) -v_ b]lv -ª__ M %&–^%

k|d'v ;"rsf° -cg;"rL #!_ M ^^

k|d'v n]vf gLltx¿ -cg';"rL #@_ M ^&–^(

n]vf;DaGwL l6Kk0fLx¿ -cg';"rL ##_ M &)–*!

;+:yfks z]o/ lwtf];DaGwL ljj/0f -cg¬;"rL #$_ M *@–**

t'ngfTds q}dfl;s kl/0ffd -cg¬;"rL #%_ M *(

n]vfk/LIf0fk"j{ rf}yf] q}dfl;s kl/0ffd -cg¬;"rL #^_ M ()

Disclosure under BASEL III : (!–(^

shf{ tyf ;fk6sf] If]qut ljj/0f M (&

d"No clea[l4 tflnsf M (&

kf“r jif{sf] ljQLo ;f/f+z M (*

/]vflrq (Graph) M ((–!))

lwtf]kq btf{ tyf lgisfzg ;DaGwL M !)!–!)@

ljz]if k|:tfj;“u ;Da4 k|aGwkqdf k|:tfljt ;+zf]wgsf] ljj/0f M M !)#–!!#

g]kfn /fi6« a}+saf6 lbOPsf] lgb]{zg M !!$

n]vfk/LIfssf] PsLs[t ljQLo ljj/0fsf] k|ltj]bg M !!&

PsLs[t jf;nft, gfkmf–gf]S;fg lx;fa tyf cGo ljj/0fx? M !!*–!@*

;xfos sDkgL ;DaGwL ljj/0fx? M !@(–!#^

P; 8]enkd]06 a}+ssf] ljQLo ljj/0fx? M !#(=!$$

Joj:yfkg ;d"x M !$%–!$^

#! cf}+ jflif{s k|ltj]bg2

n]vfk/LIfs >L;'Gb/ dfg >]i7, Pkm=l;=P=lgldQM ;'Gb/ P08 sDkgL

rf6{8{ Psfp06]06;\

;+rfns ;ldlt

cWoIf>Lk[YjLaxfb'/ kfF8];+:yfks ;d"x

;+rfns>Lsljs'df/ l6j/]jfnf

;+:yfks ;d"x

;+rfns>Le'jg]Zj/k|;fb zfx

;j{;fwf/0fx¿sf] tkm{af6

;+rfns>Llg/~hgnfn >]i7

;j{;fwf/0fx¿sf] tkm{af6

;+rfns>Llagf]bs'df/ u'/fufFO{

;+:yfks ;d"x

;+rfns>Lk|hGo /fhe08f/L

;+:yfks ;d"x

;+rfns>L;"o{k|sfznfn >]i7

;+:yfks ;d"x

:jtGq ;+rfns>Ldf]xgdbg a'9fyf]sL


#! cf}+ jflif{s ;fwf/0f ;efsf] ;"rgf

o; a}+ssf] ldlt @)&$÷)^÷)@ df a;]sf] ;~rfns ;ldltsf] $*% cf}+ a}7ssf] lg0f{o cg';f/ o; a}+ssf] #! cf}+ jflif{s ;fwf/0f ;ef lgDglnlvt ldlt, ;do tyf :yfgdf lgDg ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] xF'bf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf nflu cg'/f]w ub{5' .

;ef x'g] ldlt, ;do / :yfg M ldlt M d+unaf/, sflt{s )& ut], @)&$ ;fn -cS6f]a/ @$, @)!&_ . ;do M laxfg !)=)) ah] . :yfg M /fli6«o ;ef u[x, k|b{zgL dfu{, sf7df08f} .

5nkmnsf] ljifo

s= ;fdfGo k|:tfj M

!= cfly{s jif{ @)&#÷)&$ sf] ;~rfns ;ldltsf] k|ltj]bg pk/ 5nkmn u/L kfl/t ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxtsf] cfiff9 #!, @)&$ df ;dfKt ePsf] jif{sf] jf;nft, tyf ;f]xL ldltdf ;dfKt ePsf] cf=j=

@)&#÷)&$ sf] gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0f pk/ 5nkmn u/L kfl/t ug]{ .

#= o; a}+ssf] ;xfos sDkgL æPg cfO la Pn Soflk6n dfs]{6;\ ln=Æ / æP; Soflk6n ln=Æ sf] cf=j= @)&#÷)&$ sf] ljQLo ljj/0f

;lxtsf] PsLs[t (Consolidated) ljQLo ljj/0f :jLs[t ug]{ .

$= ;~rfns ;ldltaf6 k|:tfj u/] adf]lhd k|lt z]o/ @% k|ltzt gub nfef+z ljt/0f ug{ :jLs[t ug]{ .

%= a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)&# sf] bkmf ^# tyf sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cfly{s jif{ @)&$÷)&% sf]

n]vfk/LIf0f ug{ n]vfk/LIf0f ;ldltsf] l;kmfl/z d'tflas n]vfk/LIfs lgo'lQm ug]{ / lghsf] kfl/>lds tyf lgo'lQmsf] zt{ tf]Sg] .

-jt{dfg n]vfk/LIfs >L ;'Gb/ P08 sDkgLsf >L ;'Gb/dfg >]i7 k'gM lgo'Qm x'g ;Sg' x'g]5 ._

^= ;+:yfks z]o/wgLx?sf] tkm{af6 $ -rf/_ hgf ;~rfnsx?sf]] lgjf{rg ug]{ .

v= ljz]if k|:tfj

!= ;~rfns ;ldltaf6 k|:tfj u/] adf]lhd a}+ssf] r'Qmf k"FhLsf] !% k|ltzt af]g; z]o/ hf/L ug]{ / ;f] ubf{ a}+ssf] k"FhL ;d]t a[l4

x'g] x'Fbf ;f] sf] nflu k|aGwkqsf] bkmf %-v_ / %-u_ ;d]t ;+zf]wg u/L hf/L k"FhL tyf r'Qmf k"FhL ;d]t a[l4 ug]{ -af]g; z]o/ hf/L

ubf{ x'g cfpg] bzdnj k5Lsf] c+s (Fraction Share) z]o/nfO{ gk'u /sd ;DalGwt z]o/wgLaf6 k|fKt u/L Psdf kl/0ft ug]{

/ ;f] ubf{ ;fljss} z]o/ :jfldTj -k"FhL k|ltzt_ sfod /fVg] u/L hf/L k"FhL tyf r'Qmf k"FhL ;+zf]wg u/L k]z ul/g] ._

@= k|aGwkqsf] bkmf $, bkmf$ -r_ b]lv -1_ ;Dd, bkmf %-v_ / -u_, bkmf & -u_ -c_ / -cf_, bkmf & -r_ / bkmf !! -!_ df ;+zf]wg

ug]{ .

#= lgodfjnLsf] lgod ^-(_, lgod *-!_ b]lv *-$_ ;Dd, lgod !) -!_, !)-%_, !) -^_, lgod !! -!_, lgod !#-@_, lgod !%, lgod

!^ -!_ , !^ -@_, lgod !( -$_,!( -^_, lgod #$, lgod #* -#_ / lgod $$ df ;+zf]wg ug]{ tyf lgod * -%_ / lgod !&

vf/]h ug]{ .

$= k|aGwkq tyf lgodfjnLsf] laleGg bkmf tyf lgodx?df /x]sf] æa}+s tyf ljQLo ;+:yf ;DalGw P]g, @)^#Æ nfO{ æa}+s tyf ljQLo

;+:yf ;DalGw P]g, @)&#Æ u/L ;+zf]wg ug]{ .

%= ljz]if k|:tfjsf ;+zf]wgx?af6 k|aGwkq / lgodfjnLdf ePsf ;+zf]wg÷yk pk/ lgodgsf/L lgsfo jf sfof{noaf6 s'g} ljifodf

yk ;+zf]wg ug{ jf eflifs ;+zf]wg jf km]/abn ug{ s'g} lgb]{zg jf ;'emfj lbPdf ;f] d'tflas ;+zf]wg ug{ ;~rfns ;ldltnfO{

k"0f{ clVtof/L lbg] . ;+zf]wg ug'{kg]{ ljj/0fx? z]o/wgLdxfg'efjx?nfO{ ;ef ;DaGwL JolQmut ;"rgfsf ;fy k|]lift ul/Psf] 5 .

u= ljljw .

;+rfns ;ldltsf] cf1fn] sDkgL ;lrj


;ef ;DaGwL ;fdfGo hfgsf/L

!_ a}+ssf] z]o/wgL btf{ lstfadf gfd btf{ ePsf z]o/wgLx?n] cfkm} jf k|ltlglw dfkm{t ;efdf efu lng, 5nkmn ug{ / dtbfg ug{ ;Sg]5g\ . gfafns z]o/wgLx?sf] tkm{af6 gfafnssf] ;+/Ifs jf lghn] lgo'Qm u/]sf] k|ltlglwn] ;efdf efu lng, 5nkmn ug{ / dtbfg ug{ ;Sg]5g\ . z]o/wgLx?sf] btf{ lstfadf ;+/Ifssf] ?kdf gfd n]lvPsf] JolQmnfO{ dfq ;+/Ifs dflgg]5 .

@_ ;+o'Qm?kdf Pshgf eGbf a9L JolQmsf] gfddf z]o/ lnPsf]df To:tf] ;fem]bf/x?4f/f dgf]lgt ul/Psf] ;fem]bf/n] jf lghx?n] dgf]lgt u/]sf] k|ltlglwn] / ;f] adf]lhd s'g} ;fem]bf/ dgf]lgt x'g g;s]sf]df z]o/wgLx?sf] btf{ lstfadf h;sf] gfd klxn] pNn]v ePsf] 5 ;f]lx JolQmn] lbPsf] dt jf k|ltlglwkq dfq ;b/ x'g]5 .

#_ ;efdf efu lng, 5nkmn ug{ / dtbfg ug{sf] nflu k|ltlglw lgo'Qm ug{ rfxg] z]o/wgLn] a}+ssf] csf]{ s'g} z]o/wgLnfO{ dfq k|ltlglw lgo'Qm ug{ ;Sg'x'g]5 .

$_ k|ltlglw lgo'Qm x'g] z]o/wgLn] ;ef ;'? x'g' eGbf &@ 306f cufj} k|ltlglwkq o; a}+ssf] z]o/ /lhi6«f/ Pg cfO la Pn Soflk6n dfs]{6;\ ln=, nflhDkf6, sf7df08f}+df a'emfO{ ;Sg'kg]{5 .

%_ k|ltlglw lgo'Qm u/L ;f]sf] nflu k|ltlglwkq o; a}+ssf] z]o/ /lhi6«f/ Pg cfO la Pn Soflk6n dfs]{6;\ ln=, nflhDkf6, sf7df08f}+df a'emfO{ ;s]kl5 k|ltlglw ab/ u/L csf]{ k|ltlglw lbg rfx]df ;f]sf] ;"rgf ;ef ;'? x'g eGbf &@ 306f cufj} o; a}+ssf] z]o/ /lhi6«f/ Pg cfO la Pn Soflk6n dfs]{6;\ ln=, nflhDkf6, sf7df08f}+df lbg'kg]{5 . gofF k|ltlglwsf] xsdf bkmf # / $ adf]lhd x'g]5 .

^_ Ps} z]o/wgLn] Ps eGbf a9L k|ltlglw lgo'Qm u/]sf] cj:yfdf bkmf % adf]lhd ab/ ul/Psf]df afx]s To:tf] ;a} k|ltlglw ab/ x'g]5 .

&_ k|ltlglw lgo'Qm ug]{ z]o/wgLn] s'g} sf/0fjz To:tf] k|ltlglw ab/ u/L cfkm} ;efdf pkl:yt eO{ ;efdf efu lng, 5nkmn ug{ / dtbfg ug{ rfx]df ;f]sf] lnlvt ;"rgf ;ef z'? x'g' eGbf &@ 306f cufj} o; a}+ssf] z]o/ /lhi6«f/ Pg cfO la Pn Soflk6n dfs]{6;\ ln=, nflhDkf6, sf7df08f}+df a'emfO{ ;Sg'kg]{5 .

*_ ljljw zLif{s cGtu{t k|Zg ug{ rfxg] z]o/wgLn] cfkm"n] k|Zg ug{ rfx]sf] laifo af/] ;ef x'g'eGbf & lbg cufj} a}+ssf] b/af/dfu{, sf7df08f} l:yt s]Gb|Lo sfof{nodf hfgsf/L lbg'kg]{5 . To;/L hfgsf/L glbPsf] ljifo pk/ 5nkmn ug{ ;lsg] 5}g .

(_ ;~rfns lgjf{rg ;DjlGw lj:t[t sfo{qmd a}+ssf] b/af/dfu{ l:yt s]lGb|o sfof{nosf] ;"rgf kf6Ldf ;ef x'g'eGbf @) lbg cufj} 6+f; ul/g]5 .

!)_ ;+:yfks ;+ul7t ;+:yfsf] tkm{af6 ;~rfnssf] pDd]bjf/ x'g rfxg] z]o/wgL afx]s cGo z]o/wgLn] ;~rfnssf] pDd]bjf/ x'g a}+ssf] sDtLdf #) lsQf z]o/ lnPsf] / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, sDkgL P]g, @)^#, cGo k|rlnt sfg"g tyf a}+ssf] ;fwf/0f ;ef tyf ;~rfns lgjf{rg sfo{ljlw ;DaGwL lgb]{lzsf, @)&$ adf]lhd of]Uo x'g'kg]{5 .

!!_ ldlt @)&$÷)^÷!* ut]b]lv #! cf}+ jflif{s ;fwf/0f;ef geP;Dd z]o/ bflvn vf/]h btf{ aGb ul/g]5 . g]kfn :6s PS;r]~h lnld6]8df @)&$÷)^÷!& ut];Dd sf/f]af/ eO{ ldlt @)&$÷)^÷@^ ut] leq o; a}+ssf] z]o/ /lhi6«f/ Pg cfO la Pn Soflk6n dfs]{6;\ ln=, nflhDkf6, sf7df08f}+n] k|fKt u/]sf] gfd;f/Lsf] lnvtsf cfwf/df z]o/wgL btf{ lstfadf sfod z]o/wgLx?n] ;efdf efu lng, 5nkmn ug{ / dtbfg ug{ ;Sg'x'g]5 .

!@_ z]o/ k|df0f–kq k|fKt u/L g;Sg' ePsf z]o/wgLn] o; a}+ssf] z]o/ /lhi6«f/ Pg cfO la Pn Soflk6n dfs]{6;\ ln=, nflhDkf6, sf7df08f}+af6 z]o/ k|df0f–kq k|fKt ug{ ;Sg'x'g]5 . ;efsf] lbg ;ef sIfdf z]o/ k|df0f–kq ljt/0f ul/g] 5}g .

!#_ cfkm\gf] kl/ro kq ;lxt a}+sn] hf/L u/]sf] k|j]z–kq jf z]o/ k|df0f kq jf a}+ssf] z]o/ cef}ltsLs/0f u/]sf] b]lvg] cef}ltsLs/0f vftfsf] ljj/0f (DEMAT Account no.) k|:t't u/]kl5 dfq ;ef sIf leq k|j]z ug{ kfO{g]5 .

!$_ ;efsf] lbg ;ef z'? x'g'eGbf klxn] g} pkl:yt eO{ lbg'x'g xflb{s cg'/f]w ub{5' . ;fy} z]o/wgL dxfg'efjx?sf] ;'ljwfsf] nflu ;ef x'g] lbg laxfg (M)) ah]b]lv xflh/ k'l:tsf v'Nnf /xg]5 .

b|i6JoM a}+ssf] jflif{s k|ltj]bg ;Dk"0f{ z]o/wgLdxfg'efjx?nfO{ x'nfs÷s'l/o/ dfkm{t k7fO{g]5 . sf/0fjz pQm k|ltj]bg k|fKt x'g g;s]df

a}+ssf] b/af/dfu{, sf7df08f} l:yt s]Gb|Lo sfof{no tyf o; a}+ssf] z]o/ /lhi6«f/ Pg cfO la Pn Soflk6n dfs]{6;\ ln= nflhDkf6, sf7df08f}+af6 k|fKt ug{ ;Sg'x'g]5 . ;fy} ;fwf/0f;ef;+u ;DjlGwt jflif{s k|ltj]bg / 5nkmnsf ljifox? o; a}+ssf] j]a;fO6 www.nibl.com.np df klg /flvPsf] x'Fbf ToxfFaf6 ;d]t x]g{ ;lsg] Joxf]/f hfgsf/L u/fpFb5f}+ .


>L;+rfns ;ldlt,g]kfn OGe]i6d]06 a}+s ln=b/af/dfu{, sf7df8f}F .kf]=a=g+= #$!@

ljifoM k|ltlglw -k|f]S;L_ lgo'Qm u/]sf] af/] .

============================================ lhNnf ================================================== d=g=kf=÷p=d=g=kf=÷g=kf=÷ufpFkflnsf

-;fljs ====================================================================_ j8f g+========a:g] d÷xfdL =========================================

========================================================== n] To; a}+ssf] z]o/wgLsf] x}l;otn] ldlt @)&$ ;fn sflt{s dlxgf & ut]

sf lbg x'g] #! cf}+ jflif{s ;fwf/0f;efdf d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]

n] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf] nflu =========================== lhNnf ==========================

============== d=g=kf=÷p=d=g=kf=÷g=kf=÷ufpFkflnsf -;fljs =============================================================================_

j8f g+= ========== a:g] To; a}+ssf z]o/wgL >L ========================================================================================= nfO{

d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷k7fPsf 5f}F .

lgj]bs,

b:tvtM ==============================================================

gfdM ===================================================================

7]ufgfM =================================================================

z]o/k|df0f–kq g+=M===================================================

lxtu|flx -l8Dof6_ vftf g+=M—

z]o/wgL -qmd ;+Vof_ g+=M—

z]o/ ;+VofM

-b|i6JoM of] k|ltlglw -k|f]S;L_ kmf/fd ;ef z'? x'g'eGbf &@ 306f cufj} sf=lh=, sf=d=g=kf=, j8f g+= @, nflhDkf6

l:yt o; a}+ssf] z]o/ /lhi6«f/ PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8df k]z ul/;Sg' kg]{5 ._

z]o/wgLsf] gfd M=====================================================================================================================================

z]o/wgL -qmd ;+Vof_ g+= M===========================================================================================================================

z]o/ ;+Vof M=============================================================================================================================================

lxtu|flx -l8Dof6_ vftf g+=M==========================================================================================================================

z]o/wgLsf] ;xL M======================================================================================================================================

#! cf}F jflif{s ;fwf/0f;efdf pkl:yt x'g hf/L ul/Psf] k|j]z–kq .

cflwsf/Ls b:tvt-sDkgL ;lrj_

b|i6JoM

!= z]o/wgL cfk}Fmn] vfnL sf]i7x¿ eg'{xf]nf .

@= ;efsIfdf k|j]z ug{ of] k|j]z–kq k|:t't ug'{ clgjfo{ 5 .

k|j]z–kq

k|f]S;L kmf/fd

k|ltlglw lgo'Qm ePsf] JolQmsf]

x:tfIf/sf] gd"gfM

z]o/ k|df0fkq g+=M

lxtu|flx -l8Dof6_ vftf g+=M

z]o/wgL -qmd ;+Vof_ g+=M

ldltM—



PstL;f+} jflif{s ;fwf/0f ;efdfcWoIfHo"åf/f k|:t't ;+rfns ;ldltsf] k|ltj]bg

cfb/0fLo z]o/wgLdxfg'efjx?,

g]kfn OGe]i6d]06 a}+s lnld6]8 -PgcfOlaPn_ sf] PstL;f}+ jflif{s ;fwf/0f ;efdf z]o/wgLdxfg'efjx?nfO{{ :jfut ug{ kfpFbf xfdLnfO{ cToGt k|zGgtf eO/x]sf] 5 .

k|:t't k|ltj]bg sDkgL P]g, a}+s tyf ljQLo ;+:yf ;DaGwL P]g / g]kfn /fi6« a}+saf6 hf/L gLlt lgb]{zg cg'?k 5 .

ljut tLg bzs eGbf nfdf] ;do b]lv oxfFx?af6 xfdLnfO{ k|fKt lg/Gt/sf] c;Ld ljZjf; / cfTdLo ;xof]usf nflu a}+s kl/jf/ oxfFx?k|lt xflb{s cfef/L 5 . o; cjlwdf a}+sn] Jofj;flos pTs[i6tf / u|fxs ;Gt'li6nfO{ pRr:t/df sfod /fVg ;kmn ePsf] 5 .

g]kfnsf] a}lsË tyf ljQLo If]qnfO{ yk dha't, ;an tyf ;';+ul7t agfpg g]kfn /fi6« a}+sn] cfly{s jif{ @)&@÷)&# sf] df}lb|s gLltdf a}+s tyf ljQLo ;+:yfx?sf] r'Qmf k"FhL $ u'0ffn] a[l4 u/L æsÆ ju{sf a}+sx?sf nflu @)&$ ciff9 d;fGt ;Dddf Go"gtd r'Qmf kF"hL ?= * ca{ k'¥ofpg kg]{ lgb]{zg hf/L u/]sf] lyof] . ;f]lx lgb]{zgsf] kfngf :j?k o; a}+sn] ut cfly{s jif{df g} g]kfn /fi6« a}+sn] tf]s]sf] Go"gtd r'Qmf kF"hL ?=* ca{ k'¥ofO{ ;f] dfkb08 xfl;n ug]{ k|yd a}+s ePsf] 5 .

a}lsË If]qnfO{ yk ;Ifd tyf Plss[t ug{sf] lglDt g]kfn /fi6« a}+sn] dh{/ jf k|fKtLsf] dfWodaf6 ljQLo ;+:yf ufle sf/f]jf/ ;+rfng ug{ k|f]T;fxg ug]{ gLlt lnPsf] 5 . ;f] gLltnfO{ ;3fpg o; a}+sn] P; 8]enkd]G6 a}+s ln= nfO{ k|fKtL (Acquisition) ug]{ lg0f{o u/] cg'?k ldlt @)&# >fj0f @! ut] k|fKtL ;DjGwL ;Demf}tfdf x:tfIf/ u/]sf] oxfFx?nfO{ ljlbt} 5 . g]kfn /fi6« a}+sn] @)&# kf}if ! ut] lbPsf] ;}4flGts :jLs[lt kZrft b'j} a}+ssf] ldlt @)&# r}q @% ut] ;DkGg ljz]if ;fwf/0f ;efn] :jfk cg'kft (Swap Ratio) )=$! Kffl/t u/L k|fKtL ;DalGw sfo{nfO{ cg'df]bg u/]sf] lyof] . ;f] kZrft\ ldlt @)&$ cfiff9 ! ut] g]kfn /fi6« a}+saf6 clGtd :jLs[tL tyf sDkgL /lhi6«f/sf] sfof{noaf6 ldlt @)&$ cfiff9 @) ut]sf] :jLs[tL kZrft\ ldlt @)&$ cfiff9 @( ut]af6 o; a+}sn] ;kmntfk"j{s Plss[t sf/f]af/ z'? u/]sf] oxfFx? ;dIf hfgsf/L u/fpg rfxG5f}+ .

k|fKtL kZrft\ a+}ssf] kF"hL ;+/rgf, zfvf ;+hfn yk alnof] tyf lj:tf/ x'g], ;]jfu|fxLx?nfO{ yk k|efjsf/L a}+lsË ;]jf k|bfg ug{ ;lsg], gofF sfo{If]qdf Joj;fo tyf nufgLsf] a[l4 u/L z]o/wgLx?nfO{ cem /fd|f] k|ltkmn lbg ;lsg] tyf ljQLo ;|f]t kl/rfng ug{df yk ;xhtf eO{ cGttM b]zsf] cfly{s ljsf;df yk ;sf/fTds of]ubfg k'Ug] ljZjf; xfdLn] lnPsf 5f}+ . o; k|fKtL kZrft\ a}+ssf] sf7df08f}+ pkTosf leq @# tyf pkTosf aflx/ #* u/L hDdf ^! j6f zfvf sfof{no, # j6f PS;6]G;g sfpG6/ tyf (* j6f Pl6Pd k'u]sf 5g\ .

a}+sn] )=$! :jfk cg'kft (Swap Ratio) d'tfljs P; 8]enkd]06 a+}ssf] ? !=@) cj{ r'Qmf kF"hLsf] abnfdf P; 8]enkd]06 a+}ssf z]o/wgLx?nfO{ ?= $( s/f]8 a/fa/sf] z]o/ hf/L u/]sf] 5 . r'Qmf kF"hLdf cfPsf] km/s -art_ /sd ?= &! s/f]8nfO{ o; a}+sn] PlSjlh;g l/he{ (Acquisition Reserve) df n]vfÍg u/]sf] 5 . k|fKtL kZrft\ o; a}+ssf] r'Qmf kF"hL ?= !) ca{ ^@ s/f]8 -k|:tfljt af]g; ?= ! ca{ #* s/f]8 ;lxt_ k'u]sf] 5 h'g g]kfnsf lglh a}+sx? dWo] ;a}eGbf al9 xf] . To;} u/L a}+ssf] ;l~rlt /sd


(Reserve & Surplus) klg a9]/ ? * ca{ * s/f]8 k'u]sf] 5 eg] z]o/wgL sf]if (Shareholders' Fund) /sd ?= !* ca{ &) s/f]8 k'u]sf] 5 . o; a+}ssf] r'Qmf k"FhL tyf z]o/wgL sf]if b'a} lghL If]qsf a}+sx? dWo]s} ;a}eGbf pRr ePsf] hfgsf/L u/fpg kfpFbf xfdL uf}/jflGjt ePsf 5f}+ . o;n] a}+ssf] k"FhL kof{Kttf cg'kftdf 6]jf lbg'sf] ;fy} eljiodf a}+ssf] Joj;fo tyf cfDbfgL a[l4 ug]{ sfo{df cGo a}+ssf] t'ngfdf o; a}+snfO{ w]/} cj;/ k|fKt x'g] ePsf] 5 . a}+sx?;Fu ;'b[9 k"FhLut cfwf/ x'g'k5{ eGg] xfd|f] dfGotf /x]sf] 5 . w]/} k"FhL ePsf a}+sx?n] dfq} lbuf] a[l4 xfl;n ug{ ;Sg] / To:tf a}+sx?n] dfq} cfk\mgf ;/f]sf/jfnfx?sf] nflu plrt d"No ;[hgf ug{ ;Sg] ljZjf; xfdLn] lnPsf 5f}+ .

ca d oxfFx? ;dIf cfly{s jif{ @)&#÷&$ sf] a}+ssf ultljlwx?, jf;nft tyf gfkmf gf]S;fg lx;fa ;lxtsf cGo ljQLo ljj/0f k|:t't ug{] cg'dlt rfxG5' .

!= ljut jif{ -cfly{s jif{ @)&#÷&$_ sf] a}+ssf] sf/f]jf/sf] l;+xfjnf]sgM

cfly{s jif{ @)&#÷&$ o; a}+ssf] nflu r'gf}tLk"0f{ /x\of] . 5f]6f] cGt/fndf lgIf]k ;+sngdf cfPsf] ;+s'rgn] lgIf]k Aofh b/sf] nfutdf r/d a[l4 x'g uO{ v'b Aofh cfDbfgLsf] a[l4df gsf/fTds c;/ k/]sf] 5 . kmn:j?k v'b Aofh cfDbfgL ut aif{sf] ?= # ca{ (@ s/f]8df ? *^ s/f]8 #) nfv cyf{t\ @@ k|ltztn] dfq a[l4 eO{ ? $ ca{ &* s/f]8 k'u]sf] 5 .

z'MNsdf cfwfl/t Joj;fodf pRr k|lt:kw{fsf] afjh'b a}+sn] ;f] cfodf pNn]Vo a[l4 xfl;n u/]sf] 5 . cl3Nnf] cf=j= df ?= () s/f]8 ($ nfv /x]sf] z'MNs tyf sldzg cfDbfgL o; cf=j=df ?= @( s/f]8 ^ nfv cyf{t\ #!=( k|ltztn] a9]/ ?= ! cj{ @) s/f]8 k'u]sf] 5 . To:f}u/L ljlgdo cfDbfgLdf klg ;Gtf]ifhgs a[l4 ePsf] 5 . ;dLIff cjlwdf of] cfDbfgL ?= * s/f]8 *! nfv cyf{t\ !^=% k|ltztn] a9]/ ?= ^@ s/f]8 !$ nfv k'u]sf] 5 . cl3Nnf]] cf=j=df of] cfDbfgL ?= %# s/f]8 #@ nfv lyof] . ptf, a}+ssf] ;~rfng nfutdf klg ;fdfGo a[l4 ePsf] 5 . ahf/sf] cj:yf cg'?k o;df ;fdfGo a[l4 ePsf] xf] . ut cf=j= df a}+ssf] sd{rf/L vr{ ?= ( s/f]8 ^) nfv cyf{t\ !^=( k|ltztn] a[l4 eO{ ?= ^^ s/f]8 %* nfv k'u]sf] 5 . To:t}u/L, ;f] cjlwdf cGo ;~rfng vr{ rfFlx ? $ s/f]8 !& nfv cyf{t\ ^=# k|ltztn] a9]/ ?= ^( s/f]8 (^ Nffv k'u]sf] 5 . kmn:j?k a}+ssf] ;~rfng d'gfkmf ? ! cj{ !) s/f]8n] cyf{t @^=& k|ltztn] a9]/ ?= % ca{ @$ s/f]8 k'u]sf] 5 . cl3Nnf] cfly{s jif{df eg] of] ? $ ca{ !# s/f]8 lyof] .

o; cjlwdf a}+sn] gf]S;fgL Joj:yfsf nflu ? %! s/f]8 @ nfv 5'§ØfPsf] 5 eg] gf]S;fgL Joj:yfaf6 ?= ( s/f]8 ^! nfv lkmtf{ u/]sf] 5 . kmn:j?k o; jif{ v'b shf{ gf]S;fgL Joj:yftkm{ a}+sn] yk ?=$! s/f]8 $! nfv Joj:yf u/]sf] 5 . ut jif{ eg] ?= & s/f]8 && nfv lyof] . ;du|df ;dLIff cjlwdf a}+ssf] v'b d'gfkmf ? %^ s/f]8 #@ nfvsf] a[l4 ;lxt ?= # ca{ !! s/f]8 k'u]sf] 5 . of] cl3Nnf] cf=j=sf] t'ngfdf @@=! k|ltzt a9L xf] . ;f] cjlwdf a}+ssf] v'b d'gfkmf ?= @ ca{ %% s/f]8 /x]sf] lyof] .

ut cf= j= df a}+ssf] jf;nfttkm{ s"n ;DklQ ?= @! ca{ # s/f]8 cyf{t\ !^=@ k|ltztn] a9L ?= ! vj{ %) ca{ k'u]sf] 5 . cl3Nnf] jif{ of] ! va{ @( ca{ lyof] . To:t}u/L, a}+ssf] s"n lgIf]k / s"n shf{ qmdzM !%=& k|ltzt / @@=^= k|ltztn] a[l4 x'Fb} ?= ! va{ @% ca{ / ?= ! va{ ^ ca{ sfod ePsf] 5 eg] s"n nufgL !@=# k|ltztn] 36L ?= @% ca{ ^! s/f]8 sfod ePsf] 5 .

;dLIff cjlwdf a}+ssf] lglis|o shf{ -PgkLP_ s]xL cg'kftdf a9]sf] 5 . cl3Nnf] cf= j= df )=^* /x]sf] PgkLP cg'kft o; cf=j=df a9]/ )=*# k|ltztdf cfPsf] 5 . cfpFbf jif{x?df ;f] PgkLPnfO{ 36fP/ cem Go"gtd\ :t/df n}hfg] k|of;nfO{ xfdL lg/Gt/tf lbg]5f}+ .


a}+ssf] k"FhL kof{Kttf cg'kftdf klg pNn]vgLo ?kdf a[l4 ePsf] 5 . af;n tLg (Basel III) cg';f/ Go"gtd k|fylds k"FhL (Tier I ) & k|ltzt cfjZos ePklg xfn ;f] cg'kft !!=%* k|ltzt sfod /x]sf] 5. To:t}u/L, s"n k"FhL sf]if cg'kft Go"gtd !! k|ltzt tf]lsPsf]df a}+ssf] s"n k"FhL sf]if !#=)@ k|ltzt /x]sf] 5 .

To;}u/L a}+ssf] shf{ lgIf]k cg'kft -:jb]zL lgIf]k tyf kF"hL_ klg ;xh:t/df g} sfod /x]sf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg';f/ shf{ lgIf]k cg'kft -:jb]zL lgIf]k tyf kF"hL_ *) k|ltzteGbf a9L gx'g] u/L sfod

ug'{kg]{ Joj:yf ePsf]df a}+ssf] of] cg'kft &&=^ k|ltztdf sfod /x]sf] 5 .

a}+ssf] r'Qmf k"FhLdf k|fKt k|ltkmn / z]o/wgL sf]ifdf k|fKt k|ltkmn klg ;Gtf]ifhgs :t/df g} /x]sf 5 . ;dLIff cjlwdf r'Qmf k"FhLdf k|fKt k|ltkmn #%=* k|ltzt /x]s]f 5 eg] z]o/wgL sf]ifdf k|fKt k|ltkmn !(=! k|ltzt /x]sf] 5 . To:t}u/L ;f] cjlwdf lgIf]k / shf{df xfd|f] ahf/ lx:;f qmdzM ^=) k|ltzt / ^=@ k|ltzt /x]sf] 5 .

;dLIff cjlwdf a}+sn] xfl;n u/]sf] sfo{;Dkfbgsf] emns tn pNn]v ul/P cg';f/ 5 M

@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/M

;g\ @)!^ df ljZj cy{tGq #=! k|ltztn] a[l4 ePsf]df ;g\ @)!& df #=% k|ltzt / ;g\ @)!* df #=^ k|ltztn] a[l4 x'g] cGt/f{li6«o d'b|fsf]ifsf] k|If]k0f 5 . ef/tLo cy{tGq ;g\ @)!^ df ^=* k|ltztn] a[l4 ePsf]df ;g\ @)!& df &=@ k|ltzt / ;g\ @)!* df &=& k|ltztn] a[l4 x'g] k|If]k0f 5 . rLgsf] cy{tGq eg] ;g\ @)!^ sf] ^=& k|ltztsf] t'ngfdf ;g\ @)!& df ^=^ k|ltzt / ;g\ @)!* df ^=@ k|ltztn] a[l4 x'g] k|If]k0f 5 . ljZj cfly{s a[l4b/df cfPsf] ;'wf/af6 g]kfn nufotsf cNkljsl;t d'n'sx?df

qm=; ljj/0f cfly{s jif{@)&@÷&#

cfly{s jif{@)&#÷&$ a[l4 /sd a[l4 k|ltzt

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

@ s'n lgIf]k !)*,^@^ !@%,^^( !&,)$@ !%=&

# s'n shf{–;fk6 *&,))( !)^,^*# !(,^&$ @@=^

$ s'n nufgL @(,@@^ @%,^!% -#,^!!_ -!@=#_

% s'n ;+rfng d'gfkmf -;Defljt gf]S;fgL Joj:yfcl3_ $,!#^ %,@$) !,!)# @^=&

^ s'n v"b d'gfkmf @,%%) #,!!$ %^$ @@=!

& lgliqmo shf{ (NPA) -k|ltztdf_ )=^* )=*# !%

* k"FhL kof{Kttf cg'kft -k|ltztdf_ !$=(@ !#=)@ – -!=(_

( shf{ lgIf]k cg'kft &^=* &&=^ – )=*%

!) r'Qmf k"FhLdf k|fKt k|ltkmn* -k|ltztdf_ $)=@ #%=* – -$=$_

!! z]o/wgL sf]ifdf k|fKt k|ltkmn* -k|ltztdf_ @^=) !(=! – -^=(_

!@ s'n u|fxs ;+Vof -c+sdf_ ^,(&,))( *,@@,)*@ !,@%,)&# !&+++=(

!# lgIf]kdf ahf/ c+z -k|ltztdf_ ^=! ^=) – -)=!_

!$ shf{df ahf/ c+z -k|ltztdf_ ^=@ ^=@ – )=)

* z'?sf] df}Hbftdf


;sf/fTds k|efj kg]{ b]lvG5 . tyflk, Go"g pTkfbsTj a[l4 Pjd\ ljsl;t d'n'sx?sf] :jb]z nlIft ljsf; gLltn] pbLodfg tyf cNkljsl;t d'n'sx?nfO{ c;/ kg{;Sg] cfFsng ;d]t ul/Psf] 5 .

cfly{s jif{ @)&#÷&$ df g]kfnsf] s"n ufx{:Yo pTkfbg -cfwf/e"t d"Nodf_ ^=( k|ltzt /x]sf] cg'dfg 5 . s[lif, pBf]u tyf ;]jf If]qsf ultljlwx?df cfPsf] ;'wf/sf sf/0f cfly{s jif{ @)&$ df s"n ufx{:Yo pTkfbg nIo -^=% k|ltzt_ eGbf s]xL dfly /xg] b]lvPsf] xf] . df};dL cg's"ntf, s[lifhGo a:t'x?sf] cfk"lt{ ;xhtf tyf jg k}bfjf/sf] pkhdf ePsf] lj:tf/sf sf/0f ;dLIff jif{df s[lif If]qsf] a[l4b/df ;'wf/ cfPsf] cg'dfg 5 . ljB't cfk"lt{ tyf nufgLsf] jftfj/0fdf cfPsf] ;'wf/sf sf/0f u}/–s[lif If]qsf] a[l4b/ pRr /x]sf] cg'dfg 5 .

cfly{s jif{ @)&#÷&$ df jflif{s cf};t d'b|f:kmLlt b/ &=% k|ltztsf] ;Ldf leq /fVg] nIo lnOPsf] lyof] . cfly{s jif{ @)&#÷&$ df jflif{s cf};t pkef]Qmf d'b|f:kmLlt $=% k|ltztdf ;Lldt /x]sf] 5 . cl3Nnf] cfly{s jif{df cf};t pkef]Qmf d'b|f:kmLlt b/ (=( k|ltzt /x]sf] lyof] . cfwf/ d"No k|efj / cfk"lt{ Joj:yfdf cfPsf] ;'wf/sf sf/0f ;dLIff cjlwdf pkef]Qmf d'b|f:kmLlt Go"g /x]sf] xf] .

cfly{s jif{ @)&#÷&$ sf nflu g]kfn ;/sf/n] ;fj{hlgs u/]sf] ?= !,)$( ca{sf] ah]6df k"FhLut vr{ ?= #!@ ca{ / rfn' vr{ ?= ^!& ca{ /xg] cg'dfg ul/Psf]df cfly{s jif{ @)&#÷&$ df gub k|jfxdf cfwfl/t k'FhLut vr{ ^#=* k|ltzt / rfn' vr{ #&=^ k|ltzt ePsf] 5 . cfly{s jif{ @)&#÷&$ df g]kfn ;/sf/sf] /fh:j @^=$ k|ltztn] a[l4 eO{ ?= ^)( ca{ !& s/f]8 k'u]sf] 5 . pQm /fh:j ah]6 nIo ?= %^% ca{ () s/f]8sf] !)&=& k|ltzt x'g cfpF5 . ;|f]t kl/rfngsf] t'ngfdf ;/sf/L vr{ Go"g ePsf]n] ;dLIff jif{sf] cGTodf g]kfn ;/sf/sf] g]kfn /fi6« a}+s;Fu ?= !@& ca{ ^( s/f]8 gub df}Hbft /x]sf] 5 .

cfly{s jif{ @)&#÷&$ df s"n j:t' lgof{t $=@ k|ltztn] a[l4 eO{ ?= &# ca{ % s/f]8 k'u]sf] 5 eg] s"n j:t' cfoft @* k|ltztn] a9]/ ?= (() ca{ !! s/f]8 k'u]sf] 5 . kmn:j?k ;dLIff jif{df s"n j:t' Jofkf/ 3f6f #)=$ k|ltztn] a9L ?= (!& ca{ ^ s/f]8 k'u]sf] 5 . cl3Nnf] jif{ o:tf] Jofkf/ 3f6f @ k|ltztn] a9]sf] lyof] .

;dLIff jif{df ljk|]if0f k|jfx $=^ k|ltztn] a[l4 eO{ ?= ^(% ca{ $% s/f]8 k'u]sf] 5 . cl3Nnf] jif{ ljk|]if0f k|jfx &=& k|ltztn] a[l4 ePsf] lyof] . ljk|]if0f k|jfx s"n ufx{:y pTkfbg cg'kft cl3Nnf] jif{ @(=^ k|ltzt /x]sf]df ;dLIff jif{df @^=* k|ltzt /x]sf] 5 .

j}b]lzs /f]huf/Ldf hfg] g]kfnL gful/sx?sf] ;+Vof -k'gM>d :jLs[lt afx]s_ df sdL cfPsf] 5 . clGtd >d :jLs[ltsf cfwf/df j}b]lzs /f]huf/Ldf hfg] g]kfnLsf] ;+Vof cfly{s jif{ @)&#÷&$ df ut jif{sf] t'ngfdf $=& k|ltztn] 36]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] ;+Vof !*=$ k|ltztn] 36]sf] lyof] . ;dLIff jif{df dn]l;of, ;+o'Qm c/a O{ld/]6\;, s'j]t nufotsf b]zdf hfg] sfdbf/sf] ;+Vofdf a[l4 ePsf] 5 eg] ;fpbL c/]ljof, stf/ nufotsf b]zdf hfg] sfdbf/sf] ;+Vofdf lu/fj6 cfPsf] 5 .

;dLIff jif{df a}+s tyf ljQLo ;+:yfx¿sf] lgIf]k !$ k|ltztn] a9]sf] 5 . cl3Nnf] jif{ o:tf] lgIf]k !(=$ k|ltztn] a9]sf] lyof] . ;dLIff jif{df a}+s tyf ljQLo ;+:yfx?af6 lghL If]qdf k|jflxt shf{ !*=@ k|ltztn] a9]sf] 5 . cl3Nnf] jif{ o:tf] shf{ @#=& k|ltztn] a9]sf] lyof] .


@)&# c;f/df (!–lbg] 6«]h/L lansf] efl/t cf};t Aofhb/ )=)% k|ltzt /x]sf]df @)&$ c;f/df )=&! k|ltzt sfod ePsf] 5 . jfl0fHo a}+sx¿ aLrsf] cGt/–a}+s sf/f]af/sf] efl/t cf};t Aofhb/ eg] @)&# c;f/sf] )=^( k|ltztsf] t'ngfdf @)&$ c;f/df )=^$ k|ltzt /x]sf] 5 .

@)&$ c;f/df jfl0fHo a}+sx¿sf] shf{ tyf lgIf]k aLrsf] efl/t cf};t Aofhb/ cGt/ %=@ k|ltzt /x]sf] 5 . cl3Nnf] jif{sf] c;f/df o:tf] Aofhb/ cGt/ %=^ k|ltzt /x]sf] lyof] . To;}u/L, jfl0fHo a}+sx¿sf] cf};t cfwf/ Aofhb/ @)&# c;f/sf] ^=% k|ltztsf] t'ngfdf @)&$ c;f/df (=( k|ltzt sfod x'g cfPsf] 5 .

cl3Nnf] aif{ ?= !$) ca{ $@ s/f]8sf] pRr artdf /x]sf] rfn" vftf ;dLIff jif{df j:t' cfoft pRr b/n] a9]sf] sf/0f ?= !) ca{ !# s/f]8n] 3f6fdf uPsf] 5 . lgof{tsf] t'ngfdf cfoftdf pRr a[l4 ePsf]n] cl3Nnf] jif{ pNn]Vo artdf /x]sf] rfn" vftf ;dLIff jif{df 3f6fdf uPsf] xf] . To;}u/L, cl3Nnf] jif{ ?= !** ca{ (% s/f]8n] artdf /x]sf] ;du| zf]wgfGt/ ;dLIff jif{df ?= *@ ca{ !% s/f]8n] artdf /x]sf] 5 .

s'n ljb]zL ljlgdo ;l~rlt @)&# c;f/ d;fGtsf] ?= !)#( ca{ @! s/f]8af6 #=( k|ltztn] a[l4 eO{ @)&$ c;f/ d;fGtdf ?= !)&( ca{ %@ s/f]8 /x]sf] 5 . cfly{s jif{ @)&$ sf] cfoftnfO{ cfwf/ dfGbf a}lsË If]q;Fu /x]sf] ljb]zL ljlgdo ;l~rlt !#=@ dlxgfsf] j:t' cfoft / !!=$ dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt /xg] b]lvG5 .

@)&# c;f/ d;fGtsf] t'ngfdf @)&$ c;f/ d;fGtdf g]kfnL ¿k}ofF cd]l/sL 8n/;Fu #=* k|ltztn] clwd"Nog ePsf] 5 . cl3Nnf] jif{ g]kfnL ?k}ofF cd]l/sL 8n/;Fu %=@ k|ltztn] cjd"Nog ePsf] lyof] . @)&$ c;f/ d;fGtdf Ps cd]l/sL 8n/sf] vl/b ljlgdo b/ ?= !)@=*^ k'u]sf] 5 . @)&# c;f/ d;fGtdf pQm ljlgdo b/ ?= !)^=&# /x]sf] lyof] .

#= k|ltj]bg tof/ ePsf] ldlt;Dd rfn' jif{ -cfly{s jif{ @)&$÷&%_ sf] pknlAw / eljiodf ug'{kg]{ s'/fx?sf ljifodf ;+rfns ;ldltsf] wf/0ff M

@)&$ efb| d;fGt ;Dddf a}+sn] ?= ! va{ @* ca{ lgIf]k ;+sng u/L ? ! va{ & ca{ shf{ nufgL

u/]sf] 5 . eljiodf ug'{kg]{ sfdsf ljifodf o;} k|ltj]bgsf] a"Fbf g+= @% sf] …vÚ df rrf{ ul/Psf] 5 .

$= sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGwM

;dLIff cjlwdf a}+sn] cfkm\gf ;a} ;/f]sf/jfnfx?;Fu ;f}xfb{k"0f{ / Jofj;flos ;DaGw lj:tf/ u/]sf] 5 . kf/blz{tf / Jofj;flostfsf cfwf/df :yflkt ePsf o:tf ;DaGwx? kmnbfoL x'g] / a}+ssf] efjL k|ult / ;kmntfsf nflu klg pko'Qm dfWod x'g] ljZjf; xfdLn] lnPsf 5f}F .

%= ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0fM

a}+sdf ;flas ;+:yfks z]o/wgLdWo]sf /fli6«o jfl0fHo a}+s ;d"xsf] z]o/wgLx?sf] tkm{af6 k|ltlglwTj ug'{x'g] u/L >L lagf]b u'/fufFO{ tyf ;j{;fwf/0f z]o/wgLx?sf] tkm{af6 >L e'jg]Zj/k|;fb zfx /


>L lg/~hg nfn >]i7 ldlt @)&# c;f]h !! ut]sf] #) cf}+ jflif{s ;fwf/0f ;efaf6= ;+rfnsdf lgjf{lrt x'g' ePsf lyP . ;fy} a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# d'tflas aLdf Joj;fo ug]{ ;+:yfsf] jxfnjfnf kbflwsf/L a}+sdf ;+rfns kbdf /xg cof]Uo x'g] Joj:yf eP d'tflas ;+:yfks z]o/wgL >L /fli6«o aLdf sDkgL lnld6]8sf] tkm{af6 ;+rfnsdf dgf]lgt x'g' ePsf >L jL/ laqmd /fodfemLHo" ;+rfnsaf6 x6\g' ePsf] 5 / pxfFsf] 7fpFdf >L slj s'df/ l6j/]jfnfHo" ldlt @)&$ cflZjg )! ut] b]lv axfn x'g' ePsf] 5 . To;} u/L ;+:yfks z]o/wgLsf] tkm{af6 ;+rfnsdf /xg' ePsf >L bLksdfg z]/rgHo"n] cfkm\gf] AolQmut sf/0fn] ldlt @)&$ cflZjg )! ut] b]lv /fhLgfdf lbO{ ;+rfns kbaf6 x6\g' ePsf] 5 . a}+ssf] ljsf;df ;xof]u tyf of]ubfg lbg' ePsf]df p+xfnfO{ xflb{s wGojfb 1fkg ug'{sf ;fy} gjlgjf{lrt ;+rfnsHo"x?nfO{ :jfutsf ;fy} p+xfx?sf] ;kmn sfo{sfnsf] nflu z'esfdgf JoQm ub{5' .

;fy} a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# d'tflas ;+rfnsx?sf] ;+Vof & hgf sfod ug{sf] nflu a}+ssf] lgodfjnLsf] ;DalGwt lgoddf o;} ;fwf/0f ;efaf6 ;+zf]wg ul/ ;fljsdf ;+:yfksx? dWo]af6 ^ hgf ;~rfns lgo'Qm x'g] Joj:yf /x]sf]df To;nfO{ $ hgfdf 36fO{ lgjf{rg ug]{ k|:tfj klg o;} ;fwf/0f ;efdf k]z ul/Psf] 5 .

^= sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx? M a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo hf]lvd tyf cGo tTjx? tn pNn]v ul/Pcg';f/ /x]sf 5g\M

a}+saf6 k|bfg ul/g] shf{ tyf u}x|–sf]ifLo ;]jfx? pknAw u/fpFbf x'g;Sg] ;+efljt hf]lvdx? .

;du| a}+lsË If]qdf 5f]6f] ;dodf x'g] t/ntf cj:yfsf] ptf/ r9fj / ;f]s]f sf/0f ;DklQ / bfloTj

tyf lgIf]k / shf{sf] Aofhb/ Joj:yfkgdf r'gf}tLx? .

ljb]zL ljlgdo sf/f]jf/ ubf{ ljlgdo b/df x'g] kl/jt{gaf6 x'g ;Sg] ;+efljt hf]lvdx? .

/fi6«sf] cfly{s, df}lb|s tyf ljQLo gLlt kl/jt{gaf6 x'g ;Sg] ;+efljt hf]lvdx? .

cGt/f{li6«o cfly{s tyf ljQLo If]qdf x'g] ptf/ r9fjsf] sf/0faf6 g]kfnL ahf/df kg{;Sg] c;/af6

x'g ;Sg] hf]lvdx? .

cfDbfgLsf] ;|f]t ;fF3'l/Psf] a]nf k"FhL ;DjGwL dfkb08 sfod u/L nufgLstf{nfO{ lg/Gt/ pRr k|ltkmn

k|bfg ul//xg] ;DaGwL r'gf}tL .

j}slNks nufgL If]qsf] cefj .

&= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmofM

lgoldt sf/f]af/sf qmddf ePsf ;fdfGo s}lkmot afx]s n]vfk/LIf0f k|ltj]bgdf c? s'g} gsf/fTds s'/f b]lvPsf] 5}g . n]vfk/LIfsx?af6 k|fKt k|ltlqmof / ;'emfjsf ;DaGwdf ;+rfns ;ldltsf] Wofgfsif{0f ePsf] 5 . pgLx?n] ;'emfPsf ;'wf/sf nflu cfjZos sbd klg rflnPsf] 5 .


*= nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM

a}+ssf] ;+rfns;ldltsf] $*@ cf}F a}7sn] a}+ssf] d'gfkmfaf6 r'Qmf k"FhLdf @% k|ltzt gub nfef+z jfkt ?= @,#!,)),($,&!& tyf !% k|ltzt af]g; z]o/ jfkt ? !,#*,^),%^,*#) ljt/0f ug]{ k|:tfj u/]sf] 5 .

(= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f] afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f] sf] ljj/0fM

;dLIff jif{df s'g} klg z]o/ hkmt ul/Psf] 5}g .

!)=ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGTodf/x]sf] l:yltsf] k'g/fjnf]sgM

a}+sn] dr]{G6 a}+lsË Joj;fo ug{sf nflu ?= %) s/f]8sf] clws[t k"FhLdf ?=!$ s/f]8 %) nfvsf] hf/L k"FhL /xg] u/L æPgcfOlaPn Soflk6n dfs]{6\; lnld6]8Æ gfds Ps ;xfos sDkgL :yfkgf u/]sf] / pSt sDkgLsf] hf/L k"FhLdWo] &) k|ltzt -?= !) s/f]8 !% nfv_ a}+sn] nufgL u/]sf] 5 eg] afFsL #) k|ltzt ;j{;fwf/0fsf nflu 5'§ofOPsf] 5 . pQm ;xfos sDkgLsf] sfo{If]q dr]{G6 a}+lsË, z]o/ /lhi6«f/, lgIf]k ;xeflutf -l8kf]lh6/L kfl6{l;k]G6_, Do'r'cn kmG8, kf]6{kmf]lnof] Joj:yfkg, k|fOe]6 OlSj6L tyf k/fdz{

;]jf cflb /x]sf] 5 .

;dLIff cjlwdf sDkgLn] % j6f sDkgLx?sf] ;fwf/0f z]o/ lgisfzg tyf laqmL k|jGwsf] sfo{ ;DkGg u/]sf] lyof] . ;fy} sDkgLn] o;sf] dr]{G6 a}+lsª ;]jf klg lj:tf/ u/]sf] 5 . sDkgLn] #) j6f sDkgLx?sf] z]o/ /lhi6«]zg ;]jf ;DalGw sfo{ ul//x]sf] 5 . cf=j= @)&#÷)&$ ;Dddf PgcfO{aLPn Soflk6n dfs]{6\;\ lnld6]8n]] nufgL Joj:yfkg cGtu{tsf ;]jfx? k|bfg ub}{ cfkm\gf ;]jfu|fxLx?nfO{ plrt k|ltkmn lbg ;kmn ePsf] 5 . sDkgLn] g]kfn lwtf]kq af]8{ tyf l;l8P; P08 lSnol/Ë lnld6]8af6 lgIf]k ;b:osf] ?kdf sfo{ ug{sf nflu Ohfht k|fKt u/]sf]df g]kfn OGe]i6d]06 a}+s ln= ;Fu ;Demf}tf u/L a}+ssf] ;Dk"0f{ zfvf sfof{nox? nufot PgcfO{aLPn Soflk6n dfs]{6\; lnld6]8af6 b]ze/ lgIf]k ;b:o ;DaGwL ;]jf k|bfg ub}{ cfO{/x]sf] / o; cf=j= @)&#÷)&$ df &!,(#! lxtu|fxL vftf vf]nL s"n !,)!,!&* vftf /x]sf]] 5 .

PgcfO{aLPn Do'r'cn km08 cGtu{tsf] PgcfO{aLPn ;d[l4 km08—! sf] of]hgf Joj:yfks /xL PgcfO{aLPn Soflk6n dfs]{6\; ln= n] ?= ! ca{sf] sf]if ;+rfng u/L o; cf=j=df k|lt OsfO{ v'b ;DklQ d"No ? !$=($ sfod /x]sf] 5 . v'b k|ffKt cfDbfgL ? !(=%! s/f]8 /x]sf] 5 h;dWo] O{sfOwlgx?nfO{ !* k|ltzt nfef+z ljt/0f ug{ k|:tfj u/]sf] 5 .

o; jif{ PgcfO{aLPn Do'rcn km08 cGt{ut bf];|f] of]hgf PgcfO{aLPn k|utL km08 ;+rfngdf cfPsf] 5 . ? &% s/f]8sf] o; km08sf] v'b ;DktL d'No ? !)=)% /x]sf] 5 eg] o;sf] v'b gfkmf ? #$=() nfv /x]sf] 5 .


ut jif{ PgcfO{aLPn Soflk6n dfs]{6\; ln= n] ?= % s/f]8 @# nfv v"b gfkmf sdfPsf] lyof] eg] o; cfly{s jif{ @)&#÷&$ df sDkgLsf] gfkmfdf pNn]vgLo a[l4 eO{ ?= !) s/f]8 * nfv k'¥ofpg ;kmn ePsf] 5 . sDkgLn] cfly{s jif{ @)&#÷&$ sf] nflu r'Qmf k"FhLdf (& k|ltzt jf]g; z]o/ tyf @% k|ltzt gub nfef+z ljt/0f ug]{ k|:tfj u/]sf] 5 .

P; 8]enkd]G6 a}+snfO{ k|fKtL kl5 ;f] ;+:yfsf] ;xfos sDkgL P; Soflk6n lnld6]8 klg xfd|f] ;xfos sDkgL ePsf] 5 . cfly{s jif{ @)&#÷&$ df P; Soflk6n lnld6]8n] ?= # s/f]8 &# nfv v'b gfkmf u/]sf]] 5 . ut jif{ v'b gfkmf ? (!=^) nfv /x]sf] lyof] . sDkgLn] cfly{s jif{ @)&#÷&$ sf] nflu r'Qmf k"FhLdf %@ k|ltzt gub nfef+z ljt/0f ug]{ k|:tfj u/]sf] 5 .

P; Soflk6n lnld6]8 tyf PgcfO{aLPn Soflk6n dfs]{6\; ln= Ps cfk;df ufEg] ufleg]÷k|fKtL ug]{ sfo{ o; cfly{s aif{ @)&$÷@)&% leq ;DkGg ug{sf] nflu cfjZos sfo{ eO{/x]sf] s'/f hfgsf/L u/fpg rfxG5f}+ .

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

@)&$ c;f/sf] cGTodf PgcfO{aLPn Soflk6n dfs]{6\; lnld6]8sf] g]kfn OGe]i6d]06 a}+ssf ljleGg vftfdf ?= ! s/f]8 ## nfv lgIf]k /x]sf] lyof] . ;f]xL cjlwdf a}+sn] sDkgLnfO{ ?= @ s/f]8 #$ nfv Aofh e'QmfgL u/]sf] lyof] . To:t} @)&$ c;f/ df;fGtdf P; Soflk6n lnld6]8sf] g]kfn OGe]i6d]06 a}+ssf ljleGg vftfdf ?= !& s/f]8 *$ nfv lgIf]k /x]sf] lyof] . ;f]xL cjlwdf a}+sn] sDkgLnfO{ ?= %& xhf/ Aofh e'QmfgL u/]sf] lyof] .

a}+ssf Ps hgf sd{rf/LnfO{ PgcfOaLPn Soflk6n dfs]{6\; lnld6]8sf] k|d'v sfo{sf/L clws[tsf] ?kdf lgo'Qm ul/Psf] 5 . ;dLIff jif{df sDkgLn] lghnfO{ kfl/>ldssf] ?kdf s"n ?= !@ nfv ^) xhf/ e'QmfgL u/]sf] 5 .

a}+sn] PgcfOlaPn Soflk6n dfs]{6\; lnld6]8nfO{ Joj:yfksLo ;]jfsf ;fy;fy} cGo cfjZos ;xof]u pknAw u/fpg sDkgL;Fu ;]jf :t/Lotf ;Demf}tf (Service Level Agreement) u/]sf] 5 . o; ;]jf afkt a}+sn] sDkgLaf6 jflif{s ?= ^ nfv k|fKt ug]{ u/]sf] 5 .

a}+sn] PgcfOlaPn Soflk6n dfs]{6\; lnld6]8nfO{ cfkmgf] z]o/ /lhi6«f/sf] ?kdf lgo'Qm u/]sf] 5 . o; ;]jfsf] nflu a}+sn] sDkgLnfO{ jflif{s ? % nfv z'MNs e'QmfgL ug]{ u/]sf] 5 . z]o/ /lhi6«f/ ;]jf ;DaGwL sfo{df ;xof]u ug{sf nflu o; a}+ssf Pshgf sd{rf/LnfO{ pQm sDkgLdf lgo'Qm ul/Psf] 5 . ;f] sd{rf/Lsf] tna tyf eQf pQm sDkgLn] a}+snfO{ ;f]wegf{ ug]{ u/]sf] 5 .

a}+sn] PgcfO{aLPn Do'r'cn km08 –PgcfO{aLPn ;d[l4 sf]if ! df lah k"FhLsf] ?kdf ?= !$ s/f]8 nufgL u/]sf] 5 . To:t} a}+sn] PgcfO{aLPn Do'r'cn km08–PgcfO{aLPn k|utL sf]if ! df ? !) s/f]8 @% nfv nufgL u/]sf] 5 .


a}+sn] PgcfOlaPn Soflk6n dfs]{6 lnld6]8af6 ? ! s/f]8 (@ nfv nfef+z :j?k k|fKt u/]sf] 5 . ;fy} a}+sn] ;xfos sDkgLn] Joj:yfkg u/]sf] z]o/ lgisfzgx?df a}+lsË ;]jf k|bfg u/] jfkt ? $%=$) nfv ;]jf z'MNs k|fKt u/]sf] 5 .

a}+s / PgcfOlaPn Soflk6n dfs]{6 lnld6]8 aLrsf] sf/f]af/ c;Da4 kIfaLrsf] sf/f]af/ (Arm's Length Basis) sf] ?kdf ug]{ ul/Psf] 5 .

a}+sn] sf8{ Joj;fo tyf df]afO{n a}+lsË sf/f]jf/ lj:tf/sf nflu Flexiterm Pvt. Ltd. tyf M Nepal Ltd. df s|dzM ?= *@=** nfv / ?= @=(* s/f]8 a/fa/sf] z]o/ nufgL u/]sf] 5 . o;} u/L a}+sn] n3'ljQ sf/f]jf/ ug{sf] lglDt g]zgn dfO{qmf]kmfOgfG; sDkgL lnld6]8df ? @ s/f]8 %) nfv a/fa/sf z]o/ k"FhL nufgL u/]sf] 5 .

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

s]xL gePsf] .

!#= ljut cfly{s aif{df sDkgLsf ;+rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf]z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L M

s]xL gePsf] .

!$=ljut cfly{s jif{df sDkgL ;+u ;DalGwt ;Demf}tfx?df s'g} ;+rfns tyf pgLx?sf] glhssf] gft]bf/sf] JolQmut :jfy{sf af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f M

o; k|sf/sf] s'g} ;Demf}tf gePsf] .

!%=sDkgLn] cfkm\gf] z]o/ cfkm} vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/] jfkt sDkgLn] e'QmfgL u/]sf] /sdM

;dLIff jif{df cfkm\gf] z]o/ vl/b ug]{ sfo{ gePsf] .

!^= cfGt/Ls lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f] sf] lj:t[t ljj/0fM

a}+s ;+rfns ;ldltn] g]kfn /fi6« a}+saf6 hf/L lgb]{zg tyf sDkgL P]gsf] k|fjwfgsf] clwgdf /xL n]vfk/LIf0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, sd{rf/L ;]jf ;'ljwf ;ldlt / ;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;ldlt u7g u/]sf] 5 . oL ;ldltx?sf] a}7s cfjlws ?kdf a:g] ub{5 / lgb]{zgdf ePsf Joj:yf cg';f/ ;ldltx?n] cfkm\gf sfd / lhDd]jf/L k'/f ub{5g\ .

cg'ejL n]vfk/LIfssf] dftxtdf /xg] u/L a}+sdf Ps :jtGq cfGtl/s n]vfk/LIf0f ljefu /x]sf] 5 . o; ljefun] n]vfk/LIf0f ;ldltsf] k|ToIf lgu/fgL / /]vb]vdf sfd ub{5 / ;ldlt ;dIf cfkm\gf] k|ltj]bg k]z ub{5 . cfGtl/s n]vfk/LIf0fsf] sfo{nfO{ ;3fpg a}+sn] cfjZostf cg';f/ s'g} ljifodf yk ;dLIff ug'{ k/]df afx\o n]vfk/LIf0f kmd{x?sf] ;d]t ;]jf lng] u/]sf] 5 . o;sf] ;fy} a}+sdf Ps 5'§} cg'kfngf ljefu klg /x]sf] 5, h;n] cfGtl/s lgod tyf ljlgodfjnLsf ;fy} afXo lgod tyf ljlgodfjnL kfngf eO{/x]sf] ;'lglZrt ub{5 .


a}+sn] hf]lvd klxrfg tyf Go"gLs/0f ug{ hf]lvd Joj:yfkg ljefu :yfkgf u/]sf] 5 . ;+:yfel/ g} k|efjsf/L cfGtl/s lgoGq0f sfod ug{sf nflu a}+sn] ljleGg gLlt, lgb]{zg tyf k|lqmofx? th'{df u/L cjnDag u/]sf] 5 . k|To]sh;f] hf]lvdk"0f{ If]qx?df …r]s PG8 Aofn]G;Ú k|0ffnL sfof{Gjog u/]sf] 5 . o:tf gLlt, lgb]{zg tyf k|lqmofx? cBfjlws x'g] / hf]lvd klxrfg / lg/fs/0f x'g] ;'lglZrt ug{ logLx?sf] cfjlws ;dLIff tyf k'g/fjnf]sg ug]{ ul/Psf] 5 .

s_ hf]lvd Joj:yfkg ;ldlt M

o; ;ldltsf] ;+of]hsTjdf u}/–sfo{sf/L ;+rfns >L e'jg]Zj/ k|;fb zfx /xg' ePsf] 5 . o;sf cGo ;b:ox?df ;~rfns >L df]xgdbg a'9fyf]sL -;+of]hs–n]vfk/LIf0f ;ldlt_, >L k|hGo /fhe08f/L-;+rfns_, >L lah]Gb| ;'jfn -k|d'v– ;+rfng_, / >LdtL ;'hftf hf]zL -k|d'v hf]lvd Joj:yfkg_ /xg' ePsf] 5 . o; ;ldltsf] a}+ssf] ;du| hf]lvd Joj:yfkg ;+/rgf x]g]{ / hf]lvd Joj:yfkg k|0ffnLsf] k|efjsfl/tfsf] ;dLIff tyf cg'udg ug{] lhDd]jf/L 5 .

v_ sd{rf/L ;]jf ;'ljwf ;ldltM

a}+ssf] u}/–sfo{sf/L ;+rfns >L k|hGo /fhe08f/Lsf] ;+of]hsTjdf a}+ssf sd{rf/L ;DaGwL gLlt lgdf{0f tyf of]hgf th'{df ug]{ p2]Zon] sd{rf/L ;]jf ;'ljwf ;ldlt u7g ul/Psf] 5 . o; ;ldltsf cGo ;b:ox?df >L ;"o{ k|sfz nfn >]i7 -;+rfns_, >LdtL l8gf nfdf -sf=d'= k|d'v–dfgj ;+zfwg_ / >L ;lrg l6a8]jfn -k|d'v–n]vf tyf ljQ_ /xg'ePsf] 5 . ;ldlt a}+ssf] nflu pko'Qm dfgj ;+zfwg gLlt th'{df ug{ / ;f]sf] ;do ;dodf k'g/fjnf]sg u/L o;nfO{ ;do;fk]If tyf :t/Lo /fVg lhDd]jf/ 5 .

u_ n]vfk/LIf0f ;ldlt M

o; ;ldltsf] sfd sf/jfxL / ;+/rgf o; k|ltj]bgsf] a"Fbf g+= !* df pNn]v ul/Psf] 5 . 3_ ;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;ldlt M

a}+ssf] u}/–sfo{sf/L ;+rfns >L ;"o{ k|sfz nfn >]i7sf] ;+of]hsTjdf d'b|f lgd{nLs/0f tyf ;DklQ z'4Ls/0f lgjf/0f ;DaGwL If]qdf cfaZos gLlt lgod agfO{ ;f]sf] cg'udg ug]{ k|d'v p2]Zosf ;fy ;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;ldlt u7g ul/Psf] 5 . o; ;ldltsf cGo ;b:ox?df >L k|hGo /fhe08f/L -;+rfns_, >L lagf]b uF'/fuf+O{ -;+rfns_ , >LdtL ;'hftf hf]zL -k|d'v hf]lvd Joj:yfkg_ / >LdtL aGbgf yfkf -k|d'v cg'kfngf_ /xg' ePsf] 5 .

!&= ljut cfly{s jif{sf] s"n Joj:yfkg vr{sf] ljj/0fM sd{rf/L vr{ M ?= ^^ s/f]8 %* nfv

;+rfng vr{M ?= ^( s/f]8 (& nfv

s"nM ? ! ca{ #^ s/f]8


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

;dLIff cjlwdf a+}ssf] u}/ sfo{sf/L :jtGq ;+rfns >L df]xgdbg a'9fyf]sLsf] cWoIftfdf ul7tn]vfk/LIf0f ;ldltdf ;+rfns >L lg/~hg nfn >]i7 ;b:o tyf a}+ssf] cfGtl/s n]vfk/LIf0f ljefu k|d'v >L cld/ e§/fO{ ;ldltsf] ;b:o ;lrj /xg'ePsf] 5 .

;ldltn] a}+ssf] ljQLo l:ylt, cfGtl/s lgoGq0f tyf hf]lvd Joj:yfkg k|0ffnL, j}wflgs tyf lgodgsf/L cg'kfng / n]vfk/LIf0f sfo{qmd cflb af/] lgoldt ;dLIff ug]{ ub{5 . cfGtl/s tyf afx\o n]vfk/LIf0f k|ltj]bg / g]kfn /fi6« a}+ssf] lg/LIf0f k|ltj]bgx? dfly lj:t[t 5nkmn / ;dLIffkl5 ;ldltn] a}+s ;+rfng ;DalGw cfjZos ;'emfjx? lgoldt ?kdf ;+rfns ;ldltnfO{ k|bfg ug]{ ub{5 .

;dLIff cjlwdf n]vfk/LIf0f ;ldltsf !% a}7sx? a;]sf lyP . ;ldltsf] a}7s eQf afkt k|lta}7s k|lt;b:o ;+rfnsnfO{ ?= !@,)))÷– k|bfg ul/G5 .

cfly{s jif{ @)&#÷&$ df n]vfk/LIf0f ;ldltsf] a}7sdf 5nkmn ul/Psf k|d'v ljifox? tn pNn]v

ul/P cg';f/ 5g\ M–

!= zfvf tyf ljefux?sf] ;fy} zfvf Joj:yfks / ljefuLo k|d'vx?sf] hjfkm / cg'kfngf l:yltsf]

af/]df cfGtl/s n]vfk/LIf0f k|ltj]bgx?pk/ ;dLIff / 5nkmn .

@= a}+ssf] q}dfl;s ljQLo cj:yfsf] ljZn]if0f

#= cfGtl/s n]vfk/LIf0f ljefusf sfo{qmdx?sf] ;dLIff Pj+ 5nkmn .

$= a}+ssf] d'Vo sfof{no tyf ;a} zfvfdf /x]sf gub tyf gub of]Uo pks/0fx?sf] ef}lts hfFrsf

k|ltj]bg .

%= afx\o n]vfk/LIf0f k|ltj]bg tyf g]=/f=a}+ssf] ;'kl/j]If0f k|ltj]bgdfly 5nkmn / ;'wf/sf nflu

cfjZos gLlt lgb]{zg .

^= cGo .

!(=;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v jf sDkgLsf cfwf/e"t z]o/wgLx? jf lghx?sf glhssf gft]bf/x? jf lghx? ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/fM

s]xL gePsf] .

@)=;+rfns, k|jGw ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM

o;} k|ltj]bgsf] cg';"rL æsÆ cg';f/ .


@!= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z /sdM

a}+sn] 3f]if0ff u/]sf] nfef+zdWo] cfly{s jif{ @)&#÷&$ sf] cGTo;Dd z]o/wgLx?af6 bfaL gcfPsf] /sd ?= !*,**,@),*)& /x]sf] 5 .

@@=sDkgL P]g, @)^# sf] bkmf !$! cg';f/ vl/b jf laqmL ul/Psf] ;DklQsf] ljj/0fM

;dLIff jif{df o;k|sf/sf] s'g} v/Lb laqmL ePsf] 5}g .

@#=sDkgL P]g, @)^# sf] bkmf !&% cg';f/ ;Da4 sDkgLx?aLr ePsf] sf/f]af/sf] ljj/0fM

o;} k|ltj]bgsf] a"Fbf g+= !! df rrf{ ul/Psf] 5 .

@$=sDkgL P]g, @)^# tyf k|rlnt sfg"gadf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g}s'/fx?M

o; jflif{s k|ltj]bgdf ;fGble{s 7fpFdf v'nfO{Psf] 5 .

@%=cGo s'/fx?M

s= o; a}+ssf] ;+rfns jf kbflwsf/Lx?sf] glhssf] gft]bf/ >L sDkgL /lhi6«f/sf] sfo{fno, lwtf]kq af]8{ jf g]kfn /fi6« a}+sdf sDtLdf clws[t txdf sfo{/t /x]sf] ;DjlGw ljj/0f M

s]xL gePsf] .

v= cfly{s jif{ @)&#÷)&$ sf] cjlwdf gofF zfvf, pTkfbg tyf ;]jfx?M

zfvf ;~hfnM a}+sn] o; cfly{s aif{df 8f]6L lhNnfsf] lbkfondf tyf c5fd lhNnfsf] d+un;]gdf @ j6f g+of zfvf vf]n]sf] 5 . P; 8]enkd]06 a}+snfO{ k|fKtL u/] kZrft\ pSt a}+ssf !@ j6f zfvf tyf ! PS;6]G;g sfp06/ ;d]t o; a}+ssf zfvf ;+hfndf yk eO{ cfiff9 d;fGtdf o; a}+ssf s"n ^! j6f+ zfvf tyf # j6f PS;\6]G;g sfp06/ k'u]sf 5g\ . To;} u/L P; 8]enkd]06 a}+saf6 k|fKt !@ j6f Pl6Pd ;lxt o; a}+ssf Pl6Pd ;+Vof (* j6f k'u]sf 5g\ .

Debit/Credit sf8{M o; aif{ b]lv xfdLn] Pl6Pd tyf POS d]l;g b'a}df k|of]u ug{ ;lsg] u/L cfkm\gf] sf8{ ;+hfndf df:6/ sf8{sf] ;]jf ;d]t ;+rfngdf NofPsf 5f}+ . o;af6 xfd|f=sf8{ ;]jf yk la:tf/ x'g uO{ u|fxsju{df yk ;'ljwf k'Ug uPsf] 5 . o;} u/L xfd|f] le;f P;f]l;P6 ;+hfndf g]kfn a}+s ln= tyf d'lQmgfy ljsf; a}+s ln= klg ;b:osf] ?kdf cfj4 ePsf 5g\ . o;af6 xfd|f] le;f ;b:osf] ;+Vof !! k'u]sf] 5 . xfdLn] sf8{ Aoj;fodf ljZj ljVoft 8f6f ;'/Iff dfkbG8 PCI DSS (Payment Card Indusrty Data Security Standard) #=@ ;+:s/0f k|df0fLs/0f k|fKt u/]sf 5f}+ h;n] xfd|f sf8{sf] 8f6fnfO{ yk ;'/lIft agfPsf] 5 . To;} u/L xfdLn] xfd|f] sf8{ ;]jfnfO{ yk l56f], 5l/6f] tyf k|efjsf/L agfpg @$ 306] Help Desk z'? u/]sf 5f}+ .


/fhZj ;+sngM ;j{;fwf/0fnfO{ ;/sf/L /fhZj ;+sngdf ;'ne ;]jf k|bfg=ug]{ p2]Zo x]t' pNn]lvt cf=j=df o; a}+sn] !! j6f oftfoft Joj:yf sfof{nox?df cfkm\gf] sfpG6/ /fvL pQm sfof{no;+u ;DalGwt /fhZj ;+sngsf] gofF ;]jf z'? u/L ;xh ?kdf /fhZj ;+sngsf] yfngL u/]sf 5f}+ .

ljB't dx;'n e'QmfgL M Uf|fxsju{sf] ;'ljwf x]t' o; a}+sn] g]kfn ljB't k|flws/0fsf] ljB't dx;"n ;+sng sfo{sf] nflu ;d]t ;Demf}tf u/L dfl;s ljB't dx;'n a}+saf6} e'QmfgL ug{ ;Sg] Joj:yfsf] z'?jft u/]sf 5+ .

ljk|]if0fM xfdLn] d'n'sdf ljk|]if0f leq\ofpg] k|of]hgsf nflu Xoom Remittance (Paypal Inc), USA tyf Alsultan Exchange, Kuwait ;Fu ;dembf/Lkqdf x:tfIf/ u/]sf 5f}F . cfiff9 d;fGt;Dddf d'n'se/ xfd|f :yfgLo ljt/0f Ph]G6x? k|ToIfdf !,^&) / ck|ToIfdf &,))) u/L ;+Vof *,^&) k'u]sf] 5 .

qm]l86 /]l6ËM ljut jif{x?df em}+ o; jif{ klg a}+sn] cfOqmf g]kfnaf6 …PÚ /]l6ª k|fKt u/]sf] 5 . o;n] xfd|f] dha"t ljZj;gLotf bzf{pg'sf] ;fy} lgodgstf{ / z]o/wgLx? ;dIf a}+ssf] yk kf/blz{tf k|blz{t ePsf] 5 .

u= efjL of]hgfx?

cfufdL jif{x?df a}+sn] ;+efJotfsf] cWoog u/L b"/b/fh;Dd j}+ssf] ;]jf lj:tf/ ug]{ p2]Zon] ljleGg u|fdL0f e]udf ;d]t zfvfx? Vff]nL cfkm\gf] zfvf ;+hfnsf] lj:tf/ ug]{ tyf ;j{;fwf/0fnfO{ ;j{;'ne ;]jf k|bfg ug]{ of]hgf agfpg'sf ;fy} lgodgsf/L lgsfosf] lgb]{zg cg';f/ k|b]zdf ;d]t cfjZos ;+Vofdf zfvf la:tf/ ug]{ of]hgf agfPsf] 5 .

a}lsË If]q tyf Aofkfl/s hutsf] cfjZostf cg';f/ gofF gofF pTkfbg tyf ;]jfx?sf] z'?jft ug]{ of]hgf agfPsf 5f}+ h;n] ubf{ xfd|f] u|fxs ;+Vofdf a[l4 eO{ Go"g nfut lgIf]k a9\g d2t k'Ug'sf cnfjf b]zs} cfly{s hutsf] pTyfgdf ;xof]u k'Ug] ljZjf; lnPsf 5f}+]+ .

hf]lvd Joj:yfkg k|0ffnL / shf{, t/ntf tyf ;~rfng;Fu ;DaGwL hf]lvd Go"gLs/0f ug]{ cEof; dha"t agfpg] / ;f]sf] :t/f]Gglt ug{ hf]lvd Joj:yfkg k|0fnLnfO{ yk dha't ug]{ sf/afxL z'? ul/ ;s]sf 5f}++ .

ljQLo ;dfj]zLs/0f of]hgfsf] dfWodaf6 u|fdL0f e]usf hgtfnfO{ ;d]t ;dfj]z u/]/ u|fxskf]6{kmf]lnof]df ljljlwtf Nofpg] .

yk tflndsf] Joj:yf, ;d"x lgdf{0f ultljlw, j[lQ ljsf;sf] If]qdf yk cu|;/ u/fO{ a}+ssf] dfgj ;+;fwfgsf] bIftf, ;Lk / pTkfbsTj a9fpg] .

z'MNsdf cfwfl/s cfo a9fpgsf nflu cfDbfgLsf] gofF If]q klxrfg ug]{ .

P6LPd, O{–a}+lsË, df]afOn a}+lsË, POS d]lzg / cGo 8]lne/L Rofgnsf] dfWodaf6 gofF d"No clea[l4 ;]jf yKg] .


cGTodf, ljsf; /0fgLlt / u'0f:t/Lo ;]jfx?sf] cg';/0f ub}{ d'n'ss} zLif{ a}+ssf ?kdf cfkm"nfO{ :yflkt ug{ a}+s lg/Gt/ ?kdf k|of;/t / k|lta4 /x]sf] s'/fdf klg d oxfFx?nfO{ cfZj:t t'Nofpg rfxG5' .

3= dfgj ;+zfwgM

u|fxsx?nfO{ pTs[i6 ;]jf k|bfg ug{ tyf a}+ssf] p2]Zo xfl;n ug{ dfgj ;+zfwgsf] k|efjsf/L Joj:yfkg k"j{zt{ xf] eGg] s'/f xfdLn] /fd|/L dgg\ u/]sf 5f}F . pTs[i6, ;Ifd tyf /fd|f tflnd k|fKt sd{Rff/Lx? a}+ssf cd"No ;DklQ x'g\ . sd{rf/Lx?sf] Ifdtf tyf af}l4stfn] ;+u7gsf] k|efjsfl/tfdf k|efj kfg]{ x'Fbf /fd|f tyf ;Ifd dfgj ;+;fwgsf] lgdf{0fsf nflu a}+sn] ;f]xL cg';f/sf] cfjZos nufgL klg ub}{ cfO{/x]sf] 5 .

xfdL;Fu clxn] a}+ssf] d"No, dfGotf / cleofg k|lt k|lta4 !,!*& hgf sd{rf/Lx? 5g\, h;dWo] $% k|ltzt dlxnf 5g\ . pgLx?n] xfd|f u|fxsx?nfO{ tTsfn ljZj;gLo ;]jf lbg] nIosf ;fy ;'dw'/ jftfj/0fdf sfo{ ;Dkfbg ul//x]sf 5g\ . ;+:yfdf !) jif{eGbf nfdf] cjlw;Dd ;]jf ug]{ sd{rf/Lsf] ;+Vof #&( k'lu;s]sf] 5 . xfdLn] ljZjfl;nf] / ;xof]uL jftfj/0fdf sfd ug]{ ;+:sf/sf] ljsf; u/]sf 5f}F .

tLj| ahf/ k|lt:kwf{;Fu ult sfod ub}{ Jofj;flos a[l4 xfl;n ug{ lg/Gt/ cWoog / Ifdtf a[l4 dxTjk"0f{ x'G5 . ;dLIff jif{df !,!#! sd{rf/Lx?n] k]zfut ljsf; cj;/sf nflu cfof]lht !)! tflnd tyf uf]i7Ldf efu lnPsf lyP . h;df KYC/AML cg'kfng, s:6d/ l/n];glzk d]g]hd06, Ol06u|]6]8 6«]h/L Joj:yfkg, ;'/lIft shf{ tyf shf{ c;'nL, ljB'tLo sf/f]jf/ tyf ;"rgf k|ljlw ;'/If0f, a}+lsË ck/];G;\, dfOqmf];k\m6 PS;n, gf]6 kl/If0f, a}+lsË If]q;+u ;DalGwt r'gf}tL / d'2f, UCPDC ^)) k|d'v x'g . ;fy} JolStTj ljsf;sf nflu of]u tyf v]ns"b ;DaGwL cGo sfo{qmdx?sf] klg cfof]hgf ul/Psf] lyof] .

dfgj k"FhLsf] u'0f:t/ ;'wfg]{ s'g} klg nufgL cGttM ;+:yfsf] a[l4 / z]o/wgLx?sf] d"No a9fpg] s'/fdf xfdL ljZJff; ub{5f}+ . o; jif{ b]lv g]kfn /fi6« a}+sn] ut jif{sf] s"n sd{rf/L vr{sf] tLg k|ltztn] x'g] /sd sd{rf/Lsf] tflnd tyf a[l4 ljsf;df vr{ ug'{kg]{ Joj:yf u/]sf] 5 . a}+sn] sd{rf/Lsf] tflnddf o; jif{ ?=*( nfv !) xhf/ vr{ u/L g]kfn /fi6« a}+sn] u/]sf] Joj:yf cg';f/ vr{ x'g g;s]sf] /sd ?= *! Nffv *@ xhf/sf] sf]if v8f u/]sf] 5 .

ª= ;fdflhs tyf ;fd'bflos sfo{x? (CSR) M

cfk"m h'g ;dfhdf /x]sf] xf] Tof] ;dfhk|lt x/]s ;+3 ;+:yfsf] s]xL g s]xL bfloTj x'G5 . ;dfhdf/x]sf ;dflhs–z}lIfs ;+:yf, k/f]ksf/L ;+:yf, d7–dlGb/, c:ktfn, v]ns'b / cGo ;fdflhs lxtsf ;+:yfx?nfO{ bfg tyf ;xof]u u/]/ of] bfloTj jxg ug{ ;lsG5 eGg] xfd|f] dfGotf 5 . o; afx]s klg ul/aL, clzIff, cToflws hg;+Vof, jftfj/0fLo x|f;, df]km;nsf o'jfx?nfO{ u|fdL0f pBd tkm{ cfslif{t u/L a]/fhuf/L nufotsf ;d:of ;dfwfgdf ;xefuL eP/ klg ;fdflhs bfloTj lgjf{x ug{ ;Sb5 . oxL tYonfO{ Åboªud u/]/ cfkm\gf] gfd klg k|rfl/t eO{ a}+ssf] Joj;fo clea[l4 x'g] x'Fbf o; a}+sn]] cfk\mgf] :yfkgfsfn b]lv g} ;fdflhs tyf ;fd'bflos sfo{ ub}{ cfPsf] 5 .


a}+sn] o; jif{ klg /fli6«o ;Dkbfsf ;+/If0f sfo{nfO{ lg/Gt/tf lbPsf] 5 . ljZj ;Dkbf ;"rLdf ;'lrs[t @)&@ ;fnsf] dxfe'sDkaf6 k|efljt xg'dfg9f]sf b/jf/ If]qdf cjl:yt huGgfy tyf uf]lkgfy dlGb/sf] k'gMlgdf{0fdf a}+sn] ljlgof]hg u/]sf] ? ! s/f]8 dWo] ? %) nfv o; cf=j=df k|bfg u/]sf] 5 .

a}+sn] ;dLIff cjlwdf kz'klt If]q ljsf; sf]if cGtu{tsf] dxf:gfg 3/nfO{ k'gMlgdf{0f tyf dd{t ;+ef/ u/L kz'klt ;+u|xfnosf] ?kdf ljsf; ug]{ p2]Zon] ;f] sfo{ tLg jif{ leq ;DkGg ug]{ of]hgf :j?k hDdf /sd ? # s/f]8 ljlgof]hg dWo] ? ! s/f]8 o; cf=j=df k|bfg u/]sf] 5 . ljZj ;Dkbf ;"rLdf ;"rLs[t kz'klt If]qsf] ;+/If0f / ljsf;df k'¥ofPsf] pQm d2tn] ljZj ;Dkbf ;"rLdf /x]sf] pSt :yfgsf] ;fv sfod /xg'sf ;fy} ko{6snfO{ yk cfslif{t ug{ d2t k'uL o; sfo{af6 ko{6g pBf]udf ;d]t 6]jf k'Ug] ck]Iff u/]sf 5f}+ . To;} u/L ;f+:s[lts If]qdf ;xof]u ug]{ cfkmgf] ;+:yfut ;fdflhs pQ/bfloTj cGtu{t ljZj ;Dkbf ;"rLdf ;'rLs[t nlntk'/sf] kf6gdf cjl:yt efO{b]uM dlGb/nfO{ ut jif{df em} o; jif{ klg ? !) nfv k|bfg u/]sf] 5 .

cfhsf o'jf g} ef]lnsf s0f{wf/ tyf b]z ljsf;sf d]?b08 ePsf]n] logLx?sf] af}l4s ljsf;n] eljiodf b]z lgdf{0fdf lgs} dxTjk"0f{ e'ldsf v]Ng]df s;}sf] b'O{dt x'g ;Sb}g . log} o'jf cg'ejL eP/ eljiodf b]zsf] ljsf;df 7"nf] of]ubfg k'¥ofpF5g\ . t;y{ o; If]qdf xfd|f] ;fgf] k|of; :j?k s]lx o'jfnfO{ :gfts cWofogsf nflu ? !@ nfv k|bfg u/]sf 5f}+, o;n] tL o'jfx?nfO{ pRRf lzIff xfl;n ug{ s]lx of]ubfg ug]{ ljZjf; a}+sn] lnPsf] 5 .

a}+sn] df]km;nsf g]kfnL o'jfx?nfO{ u|fdL0f pBd tkm{ cfslif{t u/L a]/fhuf/L nufotsf ;d:of ;dfwfgsf p2]Zon] kfNkfdf u|fdL0f pBdsf] nflu ? !) nfv k|bfg u/]sf] 5 .

cfh ljZjel/ g} dlxnfx? x/]s If]qdf k|lt:kwL{ ?kdf cufl8 cfO{/x]sf 5g\ . dlxnfx?sf] ljsf; lagfb]zsf efjL ;Gt\tLsf] lasf; sl7g x'g] x'+bf g]kfnsf dlxnfx?nfO{ cfTdflge{/ aGg clek|]l/t ug{sf nflu a}+sn] ljleGg k|lti7fgnfO{ ljQLo tyf ef}lts ;xof]u k|bfg ub}{ cfPsf] 5 .

g]kfnL snf tyf snfsf/sf] k|j4{gsf] sfo{df sl6j4 eP/ nfu]sf] u}/–d'gfkmfsf/L ;+:yf g]kfn snf kl/ifb\nfO{ g]kfnL snfsf ljleGg If]qdf sfd ug{, cufl8 a9\g / pTs[i6tf xfl;n ug{ ;xof]u ug]{ x]t' ?= @=%) nfv k|bfg ul/Psf] 5 . To;} u/L ;f+:s[lts If]qnfO{ ;xof]u ug]{ p2]Zon] ldq /fi6«« k|mfG;sf] kxndf :yflkt k|mfG;]nL s]Gb| Alliance Francaise nfO{ ?= * nfv ;xof]ufy{ k|bfg ul/Psf 5 .

z}lIfs If]qdf /x]sf] c;dfgtfnfO{ x6fpg] p2]Zon] ljZjljBfnoaf6 :gfts u/]sf o'jfx?sf] cu|;/tfdf ljBfnox?df u'0f:t/Lo :t/sf] cWofkg u/fpg clek|]l/t ug]{ p2]Zon] Teach For Nepal eGg] ;+:yfnfO{ ?= * nfv k|bfg ul/Psf] 5 .

To:t}u/L, a}+sn] /fli6«o elnannfO{ k|fof]hg ug'{sf] ;fy} b]zsf] k|d'v /Ifs ;+:yf g]kfnL ;]gfsf jxfnjfnf tyf ;]jf lgj[Q ;b:oxsf] cfo cfh{gdf a[l4 ug]{ pb]Zon] lghx?sf] ;Lk ljsf;sf nflu ;Lkd"ns tflnd nufotsf sfo{qmdx?nfO{ cfly{s ;xfotf pknAw u/fP/ klg cfkm\gf] ;dflhs pQ/bfloTj k"/f ug]{ k|of; u/]sf] 5 . ;fy} ;dfhdf /x]sf ;':t dgl:ylt JolStx?sf] kIfdf


;sf/fTds wf/0ffsf] lasf; ug{] / pgLx?df cGt/lglxt ;Lk / bIftf k|:km'6g x'g] jftfj/0f ;[hgf ug{ cfly{s ;xof]u k'/\ofPsf] 5 .

a}+sn] k|bfg ug]{ o:tf ;xof]un] Psflt/ ;fdflhs pQ/bfloTj k'/f ub{5 eg] o;af6 a}+ssf] Joj;fo klg k|j4{g x'gk'Ub5 .

r= ;+:yfut ;'zf;gM

s'g} klg ;+:yfsf] ;kmntf d"n?kdf To; ;+:yfn] cjnDag ug]{ s'zn ;+:yfut ;'zf;gsf cEof;x?df lge{/ /xG5 . of] tYo;Fu g]kfn OGe]i6d]06 a}+s ;w}+ ;hu / ;r]t 5 . To;}n] xfdLn] g]kfn /fi6« a}+sn] hf/L ug]{ lgb]{zg, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, sDkgL P]g, @)^#, / lwtf]kq sf/f]af/ P]g, @)^# tyf cGo P]g lgoddf ePsf Joj:yfx?sf] kfngf ub}{ cfPsf 5f}F .

5= cfkm\gf u|fxs klxrfg (KYC) / d'b|f lgd{nLs/0f (AML):

a}+sn] ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f P]g, @)^$, o; ;DaGwL lgodfjnL tyf g]kfn /fi6« a}+sn] hf/L ug]{ ;DklQ z'4Ls/0f lgoGq0f;Fu ;DalGwt lgb]{lzsfx?sf] kl/kfngf ub}{ cfPsf] 5 . o;sf] ;fy} ;DklQ z'4Ls/0f /f]syfd ug{ a}+ssf cfkm\g} gLlt / lgodx? /x]sf 5g\ . cfkm\gf u|fxs klxrfg (KYC) / ;DklQ z'4Ls/0fsf ljifodf cfk\mgf sd{rf/LnfO{ cBfjlws hfgsf/L lbg] p2]Zo ;lxt a}+sn] lg/Gt/ tflnd klg cfof]hgf ub}{ cfPsf] 5 . oxL cg'?k a}+sn] cfk\mgf u|fxsx?sf] ljj/0f cBfjlws gePdf lgoldt cGt/fndf ltgLx?sf] KYC ljj/0f cBfjlws ug{ cg'/f]w ul//x]sf] 5 .

@^= wGojfb 1fkg M

oyf;dod} n]vfk/LIf0f ;DkGg u/L a}+snfO{ oyf]lrt Jofj;flos ;'emfj k|bfg ug]{ afXo n]vfk/LIfsnfO{ ;+rfns ;ldltsf] tkm{af6 xfdL xflb{s wGojfb lbg rfxG5f}+ . lg/Gt/ ;xof]u, k|f]T;fxg / dfu{bz{g k|bfg u/L a}+ssf] dgf]an pRr /fVg ;xof]u ug]{ z]o/wgL dxfg'efjx?k|lt xflb{s cfef/ tyf s[t1tf k|s6 ug{ rfxG5f}+ . To:t}, lg/Gt/ ;xof]u / lgb]{zgsf] nflu xfdL g]kfn ;/sf/, cy{dGqfno, g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/nfO{ ;d]t wGojfb 1fkg ug{ rfxG5f}+ . ;dk{0f / s8f kl/>daf6 a}+ssf] pGglt / k|ultdf ;fy lbg] a}+s Joj:yfkg tyf sd{rf/LxnfO{ klg ljz]if wGojfb lbg rfxG5f}+ .

cGTodf, ;]jf ug]{ dxTjk"0f{ cj;/ k|bfg ug]{ xfd|f ;a} u|fxsju{k|lt klg xflb{s s[t1tf 1fkg ub{5f}+ . pxfFx?sf] k|]/0ffbfoL] ;xof]u lagf a}+ssf] pGglt / Jofj;flos a[l4 ;Dej lyPg / 5}g .

wGojfb .

e'jg]Zj/k|;fb zfx k[YjLaxfb'/ kfF8] ;+rfns cWoIf

ldlt M c;f]h )@, @)&$


cg';"rL s-dflysf] a'Fbf @) ;Fu ;DalGwt_

;+rfns, sfo{sf/L k|d'v tyf cGo kbflwsf/Lx?nfO{ k|bfg ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] ljj/0f

s= ;+rfnsx?M

o; a}+ssf] ;~rfns ;ldlt cfhsf] ldltdf b]xfo adf]lhd /x]sf] 5 M–

-s_ >Lk[YjLaxfb/ kFf8] cWoIf

-v_ >Lk|hGo /fhe08f/L ;+rfns

-u_ >L;"o{k|sfznfn >]i7 ;+rfns

-3_ >Lsljs'df/ l6j/]jfnf ;+rfns

-ª_ >Llagf]bs'df/ u'/fufFO{ ;+rfns

-r_ >Le'jg]Zj/k|;fb zfx ;+rfns

-5_ >Llg/~hgnfn >]i7 ;+rfns

-h_ >Ldf]xgdbg a'9fyf]sL ;+rfns

;+rfnsx?nfO{ tn n]lvPadf]lhd kfl/>lds, eQf tyf cGo ;'ljwfx? pknAw u/fOPsf] 5 M–

-s_ ;+rfns ;ldltsf] cWoIfn] kfPsf] a}7s eQf tyf cGo ;'ljwfx?sf] /sd M ? $,(&,%))÷—

-v_ ;+rfns ;ldltsf] cGo ;b:ox?n] kfPsf] a}7s eQf tyf cGo ;'ljwfx?sf] /sd M ? #$,@^,))) ÷—

v= sfo{sf/L k|d'v tyf cGo kbflwsf/L÷Joj:yfksx?sf] jflif{s tna, eQf tyf ;'ljwfx?

q+m=

;+ljj/0f sfo{sf/L k|d'v cGo sfo{sf/L kbflwsf/L÷Joj:yfks

!= tnj ((,&* %,@),#)

@= eQf !,)(,!@ &,$%,&*

#= bz+} eQf !&,$) !,!),#)

$= ;+ro sf]if (,(& #*,!@

%= ;+Vof ! &)

?= xhf/df

*

a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)&# sf] bkmf !$-!_ adf]lhd al9df & hgf ;+rfns /xg ;Sg] ePsf]n] o;} ;fwf/0f ;efaf6 a}+ssf] lgodfjnLdf cfjZos ;+zf]wg u/L ;+rfnssf] ;+Vof P]g adf]lhd ldnfg ul/g] .

;+rfns >Llbksdfg z]/rgHo"n] ldlt @)&$÷)^÷)! df /fhLgfdf lbO{ x6\g' ePsf] / >Lsljs'df/ l6j/]jfnfHo" ldlt @)&$÷)^÷)! b]lv ;+:yfks z]o/wgL /fli6«o aLdf sDkgL ln=af6 dgf]lgt x'g'ePsf] .

*

#

#


sfo{sf/L k|d'v / Joj:yfksLo÷k|aGws :t/sf sd{rf/L kbflwsf/Lx?nfO{ tna tyf eQfsf] ;fy} lgDg ;'ljwf lbO{Psf] 5 M—

!= sfo{sf/L k|d'vsf] xsdf kfgL, lah'nL / 6]lnkmf]g dxz'nsf] e'QmfgL—lan adf]lhd .

@= sfo{sf/L k|d'vsf] xsdf ;jf/L rfns, O{Gwg tyf dd{t ;Def/ ;lxt ;jf/L ;fwg lbO{Psf] 5 eg]

Joj:yfksLo÷k|aGws :t/sf sd{rf/L kbflwsf/Lx?sf] xsdf sd{rf/L ;]jf ljlgodfjnL / dfgj

;+zfwg gLltdf Joj:yf ul/P adf]lhd .

#= af]g;sf] ;DaGwdf— af]g; P]g cg';f/ .

$= pkbfgsf] ;DaGwdf— sd{rf/L ;]jf ljlgodfjnLdf Joj:yf ul/P adf]lhd .

%= hLjg aLdf, cf}ifwf]krf/ aLdf, b'3{6gf aLdf— a}+ssf] sd{rf/L ;]jf ljlgodfjnL / dfgj ;+zfwg

gLltdf Joj:yf ul/P adf]lhd .

^= sfo{sf/L k|d'vsf] nflu kqklqsfsf] Joj:yf ul/Psf] 5 .

&= sfo{sf/L k|d'vsf] nflu # hgf ;'/Iff uf8{ lbO{Psf] 5 .





jf;nft@)&$ ;fn cfiff9 #! ut] -h'nfO{ !%, @)!&_

k"FhL tyf bfloTj cg';"rL rfn' cf=j= ?= ut cf=j= ?=z]o/ k"FhL ! !),^@,^$,#%,^(% *,&),^^,!!,&^)hu]8f tyf sf]ifx¿ @ *,)*,!$,$*,$)! &,%*,!!,#(,*%&C0fkq tyf a08 # !,%%,)),)),))) !,%%,)),)),)))ltg{ afFsL shf{ ;fk6 $ @$,!#,@$,@#$ @%,)$,&(,%#)lgIf]k bfloTj % !,@%,^^,(#,%$,&#@ !,)*,^@,^^,$!,(($e'QmfgL lbg'kg]{ lanx¿ ^ !$,#*,^@,#)# !#,(#,!%,!*&k|:tfljt nfef+z @,#!,)),($,&!& !,%@,#^,%&,)%*cfos/ bfloTj – –cGo bfloTj & @,!(,%%,!#,$&@ !,$),$*,%(,(@*

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

;DklQ tyf hfoh]yf cg';"rL rfn' cf=j= ?= ut cf=j= ?=gub df}Hbft * @,$&,*@,!^,@#& @,@*,%&,((,*&&g]kfn /fi6« a}+sdf /x]sf] df}Hbft ( !!,#*,@%,!#,!($ &,&^,&#,@@,&($

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft !) $,)#,^*,^),&$) @,(&,@&,)(,@($

dfu tyf cNk ;"rgfdf k|fKt x'g] /sd !! $,)),)),))) !$,(#,*),)))

nufgL !@ @%,^!,%^,$%,@^# @(,@@,^&,^!,($#

shf{, ;fk6 tyf lan vl/b !# !,)$,^@,$*,)&,&!) *%,$^,!),%),(&^

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

u}/ a}+lsË ;DklQ !% – –cGo ;DklQ !^ !,##,%^,*%,#@! *^,(@,#$,^^*

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

;+efljt bfloTj cg';"rL !&;+rfnsx¿sf] 3f]if0ff cg';"rL @(k"FhLsf]if tflnsf cg';"rL #) -s_hf]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL #) -v–ª ;Dd_k|d'v ;"rsf+sx¿ cg';"rL #!k|d'v n]vf gLltx¿ cg';"rL #@n]vf;DaGwL l6Kk0fLx¿ cg';"rL ##

gf]6M– ! b]lv !& ;Ddsf cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .

e'jg]Zj/k|;fb zfx;+rfns

df]xgdbg a'9fyf]sL;+rfns

Hof]ltk|sfz kf08]k|d'v sfo{sf/L clws[t

;lrg l6a8]jfnk|d'v n]vf tyf ljQ

n]vfk/LIfs;'Gb/dfg >]i7= Pkm= l;=P=lgldQM ;'Gb/ P08 sDkgL

rf6{8{ Psfp06]06;\xfd|f] cfhsf] ldltsf] ;+nUg

k|ltj]bgcg'';f/

k[YjLaxfb'/ kfF8]cWoIf

k|hGo /fhe08f/L;+rfns

;"o{k|sfznfn >]i7;+rfns

lg/~hgnfn >]i7;+rfns








k|ltj]bgcg'';f/





ljj/0f cg';"rL rfn' cf=j= ?= ut cf=j= ?=

!= Aofh cfDbfgL !* (,@$,*^,(*,^%) ^,&&,^&,%$,&^@

@= Aofh vr{ !( -$,$^,$%,%!,($^_ -@,*%,%^,%),!$^_

v"b Aofh cfDbfgL $,&*,$!,$^,&)$ #,(@,!!,)$,^!^

#= sldzg tyf l8:sfp06 @) *!,$*,@&,))* ^),$$,)),##&

$= cGo ;+rfng cfDbfgL @! #*,%!,*&,#$) #),%),$^,)&^

%= ;6xL 36a9 cfDbfgL @@ ^@,!$,#!,%() %#,#@,^$,(@*

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

^= sd{rf/L vr{ @# -^^,%*,#(,!&$_ -%^,(&,$(,@%%_

&= cGo ;+rfng vr{ @$ -^(,(^,*%,!(!_ -^%,&(,!#,!)#_

*= ;6xL 36a9 gf]S;fgL @@ –– –

;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf %,@$,)),^*,@&& $,!#,^!,%#,%((

(= ;Defljt gf]S;fgL Joj:yfx¿ @% -%!,)@,*%,$&#_ -$#,^$,^$,*$&_

;+rfng d'gfkmf $,&@,(&,*@,*)$ #,^(,(^,**,&%@

!)= u}/ ;+rfng cfDbfgL÷gf]S;fgL @^ &,(*,&*,**% !,($,##,!@*

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ @& (,^!,@),@(@ #%,*^,(),$*$

lgoldt sf/f]af/af6 ePsf] d'gfkmf $,(),%&,*!,(*! $,)&,&*,!@,#^$

!@= c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷vr{ @* @,)@,&#,$^% #,&*,^@&

;Dk"0f{ sf/f]af/ ;dfj]zkl5sf] v"b d'gfkmf $,(@,^),%%,$$^ $,)&,*!,(),((!

!#= sd{rf/L af]g; Joj:yf -$$,&*,@#,@@@_ -#&,)&,$$,^#^_

!$= cfos/ Joj:yf -!,#^,$!,)!,)*$_ -!,!%,^%,^@,&(@_

o; jif{sf] -!,##,%#,%(,)@^_ -!,!),(^,%$,^(#_

ut jif{;Ddsf] -#,%&,%&,)!(_ -$,&#,&!,#$%_

:yug (Deferred) cfos/ cfDbfgL -vr{_ &),!$,(^! $,^#,@$^

v"b gfkmf–gf]S;fg #,!!,$!,#!,!$) @,%%,)*,*#,%^#

gfkmf–gf]S;fg lx;fa@)&# ;fn >fj0f ! ut]b]lv @)&$ cfiff9 #! ut];Dd

-h'nfO{ !^, @)!^ b]lv h'nfO{ !%, @)!& ;Dd_

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



cfDbfgL

!= ut jif{;Ddsf] ;+lrt d'gfkmf

@= o; jif{sf] d'gfkmf

#= z]o/ lk|ldodaf6 ;fl/Psf]

$= P; 8]enkd]06 a}+ssf] ;l~rt gfkmf

@$,^%,*@,!($

#,!!,$!,#!,!$)

!,#*,^),%^,*#)

!@,%(,)),^^&

%,)),$#,^&@

@,%%,)*,*#,%^#

!,$%,!!,)!,(^)

–

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

vr{

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

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

#= ;fwf/0f hu]8f sf]if

$= e}k/L cfpg] hu]8f

%= ;+:yf ljsf; sf]if

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

&= sd{rf/L;DaGwL hu]8fx¿

*= k|:tfljt nfef+z

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

!)= ljz]if hu]8f sf]if

!!= ;6xL 36a9 sf]if

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

!#= C0fkq e'QmfgL sf]if

!$= nufgL ;dfof]hg sf]if

!%= ;fdflhs pQ/bfloTj sf]if (CSR Fund)

–

–

-^@,@*,@^,@@*_

–

–

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-@,#!,)),($,&!&_

-!,#*,^),%^,*#)_

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-(,#*,(**_

-@,&*,%^,^&%_

-@@,!$,@*,%&)_

–

-#,!!,$!,#!@_

–

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-%!,)!,&^,&!#_

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-!,%@,#^,%&,)%*_

-!,$%,!!,)!,(^)_

–

-$#,(@,&(*_

-(,$^,*(,()!_

-@@,!$,@*,%&!_

–

–

hDdf -$,^),)#,$#,#@)_ -#,*),%$,$&,))!_

;l~rt d'gfkmf÷-gf]S;fg_ @&,@#,@&,%!! @$,^%,*@,!($

gfkmf–gf]S;fg afF8kmfF8 lx;fa@)&# ;fn >fj0f ! ut]b]lv @)&$ cfiff9 #! ut];Dd

-h'nfO{ !^, @)!^ b]lv h'nfO{ !%, @)!&_ ;Ddsf]







k|ltj]bgcg'';f/






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

ljj/0f rfn' cf=j= ?= ut cf=j= ?=

s= sf/f]af/ ;+rfngaf6 gub k|jfx !@,((,)*,%^,&*# -%,%(,!!,(&,$$*_!= gub k|fKtL !),&$,(*,^),%^@ &,((,%^,($,%&@

!=! Aofh cfDbfgL *,($,^&,^$,$%( ^,%$,$#,#!,!*^

!=@ sldzg tyf l8:sfp06 cfDbfgL &%,&%,!@,)!( ^),$$,*!,*((

!=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL ^@,!$,#!,%() %#,#@,^$,(@*

!=$ ckn]lvt shf{sf] c;'nL @,$!,$),@)) #,&*,^@&

!=% cGo cfDbfgL $),)),!@,@($ #!,#@,#&,(#@@= gub e'QmfgL -^,(*,@%,&#,#(!_ -%,)#,*^,&#,@((_

@=! Aofh vr{ -$,#%,!),)#,&#%_ -@,*@,!&,*@,%^%_

@=@ sd{rf/L vr{ -^^,&^,%^,*#*_ -%^,(&,$(,@%%_

@=# sfof{no ;+rfng vr{ -%#,*!,$$,**&_ -%),&^,*#,#($_

@=$ cfos/ e'QmfgL -!,$#,%&,^&,(#!_ -!,!#,($,%*,)*%_@=% cGo vr{ –– –

sfo{ut k"FhL (Working Capital) ultljlw cl3sf] gub k|jfx;+rfng;DaGwL rfn' ;DklQdf sdL÷-a[l4_

#,&^,&@,*&,!&!

-&,(%,%#,%@,&$@_

!),(#,*),)))

@,(%,&),@!,@&#-@%,($,@#,*&,!&)_

-!$,(#,*),)))_!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_

@= cGo cNksflns nufgLdf sdL÷-a[l4_ !!,^),^$,#&,@#) -&,)(,*#,*!,#((_

#= shf{ tyf laN; vl/bdf sdL÷-a[l4_ -!(,#$,)@,@^,@@$_ -!(,)&,%&,%#,%@#_$= cGo ;DklQdf sdL÷-a[l4_ -##,)(,$#,&@*_ #*,!!,@&,&%@

;+rfng;DaGwL rfn' bfloTjdf -sdL_÷a[l4!= lgIf]k bfloTjdf -sdL_÷a[l4

@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4

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

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

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

– –

#= cNksflns ;fk6Ldf -sdL_÷a[l4 -(!,%%,@(^_ -!,@^,#^,&)@_$= cGo bfloTjdf -sdL_÷a[l4 !$,%#,^$,(!@ -%*,*#,%),)&*_

-v_ nufgL sf/f]af/df gub k|jfx!= bL3{sflns nufgLdf sdL÷-a[l4_

-*,#%,^!,$(,%)$_

-&,((,%#,(^,@^%_

-&*,^),)%,@)(_-^^,%&,(@,*))_

@= l:y/ ;DklQdf sdL÷-a[l4_ -$@,%*,)&,!&)_ -!#,!$,%#,^*!_

#= bL3{sflns nufgLdf Aofh cfDbfgL – –$= nfef+z cfDbfgL ^,%),%#,(#! !,!@,$!,@&@

-u_ ljQLo ;|f]t sf/f]af/af6 gub k|jfx!= bL3{sflns C0f -a08, l8a]Gr/ cflb_ df a[l4÷-sdL_

-!,##,)%,^@,)%#_

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%,)*,&(,*^,#%^–

@= z]o/ k"FhLdf a[l4÷-sdL_ $,)#,)),&$) (),(*,)(,!$%

#= z]o/ lk|ldoddf a[l4÷-sdL_ – $,%$,#&,^#,#**

$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'gMshf{df a[l4÷-sdL_ –– –%= nfef+z vr{ -!,#&,)*,^@,&(#_ -#^,%%,*^,!&&_

-3_ k|fKtL sfo{af6 ePsf] gub k|jfx !,%^,&^,!@,(*)!,%^,&^,!@,(*) ––

-ª_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ – –

-r_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx $,*&,!&,%*,@)^ -!,@*,(@,!^,#)!_-5_ gub tyf a}+sdf /x]sf] z'¿ df}Hbft !#,)@,%*,#!,(^% !$,#!,%),$*,@^^-h_ gub tyf a}+sdf /x]sf] clGtd df}Hbft !&,*(,&%,(),!&! !#,)@,%*,#!,(^%


OlSj6Ldf ePsf]cf=j= @)&#÷&$

ljj/0f z]o/ k"FhL;l~rtgf=gf]=

;fwf/0fhu]8f sf]if

z]o/lk|ldod

;6xL 36a8sf]if

z'? df}Hbft *,&),^^,!!,&^) @$,^%,*@,!($ #,@),%*,@*,&)# #,!),$%,!),*%) &,$$,)%,%(^

cl3Nnf] jif{sf] ;dfof]hg

;DklQ ;dfof]hg hu]8f

nufgL ;dfof]hg hu]8f

d'b|f ;6xLdf km/s

v"b gfkmf gf]S;fg

cfjlws v"b gfkmf

;fwf/0f hu]8f s]fifdf /sdfGt/

hf/L z]o/ k"FhL

vl08t z]o/jfkt hf/L z]o/ k"FhL

k|:tfljt nfef+z

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

d'b|f ;6xL 36a9 sf]ifdf /sdfGt/

k"FhL ;dfof]hg sf]ifdf /sdfGt/

k"FhL ;dfof]hg sf]ifaf6 lkmtf{

C0fkq e'QmfgL sf]ifaf6 lkmtf{

C0fkq e'QmfgL sf]ifdf /sdfGt/

nufgL ;dfof]hg sf]if

z]o/ lk|ldodaf6 /sdfGt/

k|fKtL af6 yk

sd{rf/L tflnd sf]ifaf6 /sdfGt/

CSR km08 af6 /sdfGt/

–

–

–

–

–

–

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$,)#,)),&$)

–

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!,#*,^),%^,*#)

–

–

–

–

–

–

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$(,#$,^^,#^%

–

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-(,#*,(**_

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!@,%(,)),^^&

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–

–

–

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^@,@*,@^,@@*

–

–

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

Joj:yf !,@%,&!% !,@%,&!% –v"b nufgL @%,^!,%^,$%,@^# @%,^!,%^,$%,@^# @(,@@,^&,^!,($#

nufgL@)&$ ;fn cfiff9df;fGt cg';"rL !@


ljj/0f k/n df]n ahf/ d'Nofg';f/ Joj:yf/sd o; jif{ ?= ut jif{ ?=

!= z]o/ nufgL

!=! g]kfn u|fdL0f ljsf; a}+ssf $*,%(* ;fwf/0f z]o/, k|ltz]o/ ?=!)) n] r'Qmf $%,)),))) #^@%$!)* – $%,)),))) $%,)),)))

!=@ ¿/n dfOqmf]kmfOgfG; 8]enKd]06 ;]G6/ ln= sf] $,%),)!! ;fwf/0f z]o/, k|ltz]o/ ?=!)) n] r'Qmf h;dWo] !,!!,(!! af]g; z]o/

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

!=# :jfjnDag ljsf; a}+ssf] @,^$,@$% ;fwf/0f z]o/, k|ltz]o/ ?= !)) n] r'Qmf h;dWo] !,#(,#$) af]g; z]o/

!,@$,(),%)) $&*)!(@)% – !,@$,(),%)) !,@$,(),%))

!=$ shf{ ;"rgf s]Gb| ln= sf] *(,$)& ;fwf/0f z]o/, k|ltz]o/ ?= !)) n] r'Qmf h;dWo] %@,#%! af]g; z]o/

#&,)%,^)) c;"lrs[t – #&,)%,^)) !^,!!,!))

!=% tf/fufpF l/h]G;L xf]6n ln= sf] !,%),))) ;fwf/0f z]o/, k|ltz]o/ ?= !)) n] r'Qmf

!,%),)),))) #(!%)))) – !,%),)),))) !,%),)),)))

!=^ g]kfn lSnol/ª xfp; ln= sf] %),))) ;fwf/0f z]o/, k|ltz]o/ ?= !)) n] r'Qmf

%),)),))) c;"lrs[t – %),)),))) @%,)),)))

!=& PgcfO{aLPn Soflk6n dfs]{6;\ ln= sf] !),!%,))) ;fwf/0f z]o/ ?= !)) n] r'Qmf

!),!%,)),))) c;"lrs[t – !),!%,)),))) !),!%,)),)))

!=* cfO l; cf/ P g]kfnsf] &,^)) ;fwf/0f z]o/ ?= !)) n] r'Qmf &,^),))) c;"lrs[t – &,^),))) &,^),)))

!=( ˆn]lUh6«d k|f=ln= sf] *@,**^ ;fwf/0f z]o/ ?=!)) n] r'Qmf *@,**,^)) c;"lrs[t – *@,**,^)) *@,**,^))

!=!) Pd g]kfn ln= sf] @(*%)) ;fwf/0f z]o/ ?= !)) n] r'Qmf @(*%)))) c;"lrs[t – @(*%)))) @,%),)),)))!=!! glan Do'r'cn km08 Aofn]G;\8 l:sd !!,$#,^*# o'lg6sf] ?= !) n] r'Qmf

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

!=!@ g]zgn nfOkm OG:of]/]G; s+= ln= sf] &,%(,^%% ;fwf/0f z]o/ ?= !)) n] r'Qmf h;dWo] $,^(,^%% af]g; z]o/

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

!=!# g]zgn dfOqmf] kmfOgfG; ljQLo ;+:yfg ln= sf] @,%),))) ;fwf/0f z]o/ ?= !)) n] r'Qmf

@,%),)),))) $@*%))))) – @,%),)),))) @,%),)),)))

!=!$ l;4fy{ O{lSj6L cf]l/P06]8 l:sd sf] #%,#*,^$^ o'lg6sf] ?= !) n] r'Qmf #,%#,*^,$^) $!(^*#$@ – #,%#,*^,$^) #,%#,*^,$^)

!=!% Pg= Pd= la= ;'ne nufgL sf] !#,)$,((* o'lg6sf] ?= !) n] r'Qmf !,#),$(,(*) !^#!@$&% – !,#),$(,(*) !,#),$(,(*)

!=!^ Pg=cfO{=la=Pn= ;Da[l4 sf]if sf] !,$),)),))) o'lg6sf] ?= !) n] r'Qmf !$,)),)),))) !^%())))) – !$,)),)),))) !$,)),)),)))

!=!& hnljB't nufgL tyf ljsf; s+= ln= sf] ;fwf/0f z]o/ *(,&** ?= !)) n] r'Qmf

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

!=!* Pg=Pd=la= xfOla|8 sf]if sf] !,!@,^!,(@! o'lg6sf] ?= !) n] r'Qmf !,@^,!(,@!) !@%$#$(% -&%&!%_ !,@^,!(,@!)

!=!( glan OlSj6L sf]if sf] !!,@^,%)$ o'lg6sf] ?= !) n] r'Qmf !,!@,^%,)$) !!@^%)$) – !,!@,^%,)$)

!=@) Pg=cfO{=la=P=n= k|ult sf]if sf] !,)@,%),))) o'lg6sf] ?= !)) n] r'Qmf !),@%,)),))) !)@%))))) – !),@%,)),)))

!=@! ACE Soflk6n ln= sf] &,)),))) ;fwf/0f z]o/ ?= !)) n] r'Qmf &,)),)),))) c;"lrs[t &,)),)),)))

!=@@ hg/n OG:of]/]G;\ s+ ln= sf] %)) ;fwf/0f z]o/ ?= !)) n] r'Qmf %),))) c;"lrs[t -%))))_ %),)))

!=@# g]zgn a}+lsË OG:6LRo'6 sf] !@,))) ;fwf/0f z]o/ ?= !)) n] r'Qmf !@,)),))) c;"lrs[t !@,)),)))

!=@$ g]kfn :6s PS;r]Gh ln= sf] %) ;fwf/0f z]o/ ?= !)) n] r'Qmf %,))) c;"lrs[t %,)))

!=@% g]kfn nfO{km OG:of]/]G;\ ln= sf] @,!&^ ;fwf/0f z]o/ ?= !)) n] r'Qmf #!,)),*)) $^&$)$* #!,)),*))

@= l8a]Gr/ tyf a08 nufgL – – – –

s'n nufgL &%,!&,#$,$!) #,$&,#@,&),%@* -!@%&!%_ &%,!&,#$,$!) %#,*#,^#,*^)

#= hf]lvd;DaGwL Joj:yf – – !,@%,&!% –

#=! ut jif{;Ddsf] Joj:yf – – %),))) –

#=@ o; jif{sf] yk÷36 – – &%,&!% –

v"b nufgL – – &%,!^,)*,^(% %#,*#,^#,*^)

z]o/, l8a]Gr/ tyf a08df nufgL@)&$ ;fn cfiff9df;fGt cg';"rL !@ -s_

gf]6M!= tn plNnlvt sDkgLx¿n] ljut tLg jif{b]lv nfef+z ljt/0f gu/]sf M– tf/fufpF l/h]G;L xf]6n ln=– ˆn]lUh6«d k|f=ln=– Pd g]kfn ln=


ljj/0f k/n d"Nokl5Nnf] ahf/

d"Noxfnsf] ahf/

d"Noo; jif{ gfkmf÷

-gf]S;fg_ /sd -v-s_ut jif{ gfkmf÷-gf]S;fg_ /sd

s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L lan

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]=/f=a}+s C0fkq

%= ljb]zL C0fkq

^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8a]Gr/ tyf a08

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]Gr/ tyf a08

(= ljb]zL a}+s nufgL (Placement)!)= cGt/ a}+s shf{ (Interbank Lending)!!= cGo nufgL

s'n nufgL

ljj/0f k/n d"Noxfn;Ddsf] Iflt

/sdo; jif{sf] Iflt

/sdo; jif{ gfkmf÷

-gf]S;fg_ /sd -s–v–u_ut jif{ gfkmf÷-gf]S;fg_ /sd

s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L lan #,*),#(,#$,&))

@= g]kfn ;/sf/sf] artkq *,$*,!(,)),)))

#= g]kfn ;/sf/sf] cGo C0fkq –

$= g]=/f=a}+s C0fkq÷lgIf]k nufgL –

%= ljb]zL C0fkq –

^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ –

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8a]Gr/ tyf a08 –

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]Gr/ tyf a08 –

(= ljb]zL a}+s nufgL (Placement) (,@*,#*,^*,)))

!)= cGo nufgL #,@(,$#,##,*^*

s'n nufgL @$,*^,$),#^,%^*

ljj/0f k/n d"Nokl5Nnf] ahf/

d"No -s_xfnsf] ahf/d"No -v_

o; jif{sf] nufgL sf]if;dfof]hg /sd -v–s_

ut jif{ gfkmf÷-gf]S;fg_ /sd

s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L lan

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]=/f=a}+s C0fkq

%= ljb]zL C0fkq

^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ &,%*,)),%)) !,@^,(%,*!,(() !@,(!,%#,!#* – –

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8a]Gr/ tyf a08

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]Gr/ tyf a08 ^&,%(,##,(!) @,@^,^!,$$,%#^ @,!*,!&,#*,^() – –

(= ljb]zL a}+s nufgL (Placement)!)= cGo nufgL

s'n nufgL &%,!&,#$,$!) #,%#,%&,@^,%@^ #,$&,#@,&),%@* – –

Jofkfl/s nufgL (Held for Trading)@)&$ ;fn cfiff9df;fGt

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity)@)&$ ;fn cfiff9df;fGt

laqmLsf] nflu pknAw nufgL (Available for sale)@)&$ ;fn cfiff9df;fGt

cg';"rL !@=!

cg';"rL !@=@

cg';"rL !@=#


ljj/

0f

shf{

hDd

f

vl/b

tyf l8

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06 u

l/Ps

f lan

:jb]z

L

ljb]z

L:j

b]zL

ljb]z

L h

Ddf

o; j

if{ ?=

ut j

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ljkG

g ju

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lald

tclald

t

!=;lqmo

shf{ ;fk6

–5,23

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,691

96,9

5,62

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902

1,43

,51,49

,346

1,03

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45,3

2,93

932

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99,8

281,84

,98,

82,8

682,

17,11,82

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1,05

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57,15,63

5 86

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318

!=!

c;n s

hf{

–5,15

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91,9

2,25

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831,42

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98,50,67

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932

,12,

99,8

281,84

,98,

82,8

682,

17,11,82

,696

10,0,6

7,7

8,98

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82,7

1,63

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5

!=@

;"Id

lg/

LIf0f shf{

–7,6

0,92

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5,03

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6,91

979,

97,8

405,11

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17,110

––

–5,11

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17,110

3,70,04

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13

@=lgliq

mo s

hf{ ;fk6

–5,88

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582

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20,4

51–

88,8

1,61

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––

–88

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59,2

9,92

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@=!= k

'gM;+/r

gf÷k'g

tf{ln

sLs

/0f

@=@= sd;n

@=#= z+sf:kb

@=$

v/fa

– – – –

–

2,41

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151

1,86

,39,

703

1,60

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051

–

4,99

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852

16,9

7,6

5,93

7

60,9

6,39

,662

– – – –

–

7,4

0,58

,003

18,8

4,05

,640

62,56,

97,7

13

– – – –

– – – –

– – – –

–

7,4

0,58

,003

18,8

4,05

,640

62,56,

97,7

13

–

1,91

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2

1,36

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4

56,02,

30,4

89

-s_ s'n s

hf{

–5,29

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59,596

97,7

8,55

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31,43

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1,04

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295

32,12,

99,8

281,84

,98,

82,8

682,

17,11,82

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1,06

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38,7

6,99

187

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3

#=shf{ gf

]S;fg

L Jo

j:yf

#=! c

;n

#=@ ;

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LIf0f

#=# k

'gM;+/r

gf u

l/Ps

f]

#=$

sd;n

#=%

z+sf:kb

#=^ v

/fa

– – – – –

5,15

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4

38,04,

618 –

60,3

5,788

93,19,

852

1,60

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051

97,6

7,12,

428

25,16,

86,3

46 –

1,24

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713

8,53

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3

60,9

6,39

,662

1,42

,71,51

6

3,99

,892 – – – –

1,04

,25,54

,208

25,58,

90,8

56 –

1,85

,14,

501

9,47

,00,17

5

62,56,

97,7

13

32,12,

999 – – – – –

1,84

,98,

829 – – – – –

2,17

,11,82

8 – – – – –

1,06

,42,

66,036

25,58,

90,8

56 –

1,85

,14,

501

9,47

,00,17

5

62,56,

97,7

13

82,8

8,97

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14,8

0,19

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47,8

7,8

03

68,05,47

7

56,02,

30,4

89

-v_ s'n Joj

:yf

–8,

67,8

8,57

31,93

,58,

97,4

72

1,46

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82,

03,7

3,57

,453

32,12,

999

1,84

,98,

829

2,17

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82,

05,9

0,69

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1,54

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0,99

7

$=u

t j

if{;Dd

sf] Jo

j:yf

$=! c

;n

$=@ ;

"Id lg/

LIf0f

$=# k

'gM;+/r

gf u

l/Ps

f]

$=$

sd;n

$=%

z+sf:kb

$=^ v

/fa

– – – – – –

3,86

,46,

937

14,54,

235 –

32,54,

823

41,9

3,796

50,7

4,02

6

77,50,29

,984

14,6

1,97

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–

15,3

2,98

0

26,11,68

1

55,51,56

,463

1,25

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587

3,67

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82,6

2,20

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14,8

0,19

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47,8

7,8

03

68,05,47

7

56,02,

30,4

89

10,6

7,9

45 – – – – –

16,09,

262 – – – – –

26,7

7,2

07 – – – – –

82,8

8,97

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14,8

0,19

,513 –

47,8

7,8

03

68,05,47

7

56,02,

30,4

89

62,07,6

1,87

5

9,88

,67,8

52 –

1,71,46

,516

4,13

,56,

253

69,2

8,34

,138

-u_ ut j

if{;Dd

sf] s'n Joj

:yf

–5,26

,23,

817

1,48

,05,28

,835

1,29

,11,13

81,54

,60,63

,790

10,6

7,9

4516

,09,

262

26,7

7,2

071,54

,87,4

0,99

71,47

,09,

66,6

34

u= != A

ce a

f6 k

|fKt Joj

:yf

––

––

––

–12

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87,081

-3_ o;

jif{s

f] Jo

j:yfa

f6 lkmtf{

––

––

––

––

9,61

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235

,86,

90,4

84

-ª_ o;

jif{s

f] yk

Joj:

yf

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––

––

––

48,14,

61,4

9643

,64,

64,8

47

o; j

if{sf] yk3

6–

3,41

,64,

756

45,53,

68,6

3717

,60,27

049

,12,

93,6

6321

,45,05

41,68

,89,

567

1,90

,34,

621

38,53,

41,2

047,7

7,7

4,36

3

v"b

shf{ -s

–v_

–5,20

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395

,84,

96,8

7,8

811,42

,04,

77,9

381,02

,47,53,

36,8

4231

,80,68

,829

1,83

,13,

84,039

2,14

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70,86

81,04

,62,

48,07,7

1085

,46,

10,50,97

6

shf{ ty

f lan v

l/b

juL{s

/0f /

;f]s

f] nflu

Joj

:yf

@)&$

;fn

cfiff9df;

fGtcg';

"rL !#


ljj/0f o; jif{ ?= ut jif{ ?=-s_ ;'/lIft !,)^,^*,#*,&^,((! *&,)),(&,(!,(&#

!= rn÷crn ;DklQsf] ;'/If0fdf@= :jb]zL Ohfhtk|fKt ;+:yfsf] hdfgtdf#= ;/sf/L hdfgtdf$= cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf% =lgof{t sfuhft (Export Document) sf] ;'/If0fdf^= d'2tL /;Lbsf] ;'/If0fdf

s= ;+:yfsf] cfkm\g} d'2tL /;Lbsf] ;'/If0f @^,)%,^(,@%*v= cGo Ohfhtk|fKt ;+:yfsf] d'2tL /;Lbsf] ;'/If0f —

&= ;/sf/L C0fkqsf] ;'/If0fdf*= sfp06/ hdfgtdf(= JolQmut hdfgtdf!)= cGo ;'/If0fdf

*(,$*,)^,@(,)*^––

%),(&,(%,@^@–

@^,)%,^(,@%*

#^,&*,(&!–

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

&!,*#,)(,)(,&(!––

#,#!,@$,!%,)))––

!!,^(,%!,^#&–

!,)&,^),@)!–

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

-v_ c;'/lIft – –

hDdf !,)^,^*,#*,&^,((! *&,)),(&,(!,(&#

shf{, ;fk6 / laN; vl/bsf] ;'/If0f@)&$ ;fn cfiff9df;fGt cg';"rL !# -s_

ljj/0f;DklQ

o; jif{ ?= ut jif{ ?=ejg kl/jxg ;fwg d]l;g/L sfof{no ;fdfg cGo

!= k/n df]ns=ut jif{sf] df}Hbftv=o; jif{ yku=o; jif{ k'gd"{NofÍg÷k'gn]{vg 3=o; jif{sf] laqmL ª= P; 8]enkd]06 a}+saf6 k|fKt

19,00,75,063

–

–

–

6,26,75,290

35,54,26,997

10,77,74,035

–

-77,95,12,82_

1,43,06,898

–

–

–

–

–

33,98,30,279

2,56,25,483

–

-9,88,750_

4,46,75,506

85,22,34,751

6,71,99,953

–

-21,95,789_

6,17,13,078

1,73,75,67,090

20,05,99,471

–

-8,11,35,821_

18,33,70,772

1,62,76,03,675

14,45,98,165

–

-3,46,34,732_

–

s'n k/n df]n -s±v±u–3±ª_ 25,27,50,353 39,95,56,648 – 40,91,42,518 97,89,51,993 2,04,04,01,512 1,73,75,67,090

@= x|f; s§L s=ut jif{;Ddsf]v=o; jif{sf]u=x|f; s§L k'gd"{NofÍg÷k'gn]{vg 3=x|f; s§L ;dfof]hg lkmtf{ª k|fKt ;DklQdf x|f;

4,14,26,562

38,11,804

–

–

2,03,91,530

16,82,49,811

5,08,65,447

–

-6,01,20,900_

1,08,04,922

–

–

–

–

–

21,10,43,350

2,87,25,453

–

-9,88,749_

2,99,39,540

67,98,90,935

5,97,96,878

–

-21,95,782_

5,16,58,911

1,10,06,10,658

14,31,99,582

–

-6,33,05,431_

11,27,94,903

98,69,61,470

13,51,39,436

–

-2,14,90,248_

–

s'n x|f; sl§ -s±v–u–3±ª_ 6,56,29,896 16,97,99,280 – 26,87,19,594 78,91,50,942 1,29,32,99,712 1,10,06,10,658

#= a's Eofn' (WDV)* -!–@_$= hUuf%= k"FhLut lgdf{0f ^= lnh xf]N8 ;DklQ

18,71,20,457

–

–

–

22,97,57,368

–

–

–

–

–

–

–

14,04,22,924

–

–

–

18,98,01,051

–

–

–

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Pillar II cGtu{tsf] ;dfof]hghf]8M g]=/f=a}+ssf] lgb]{zfg';f/ hf]lvd efl/t ;DklQsf] @ k|ltzt #,)#,%$,!% @,#^,%),)!hf]8M ;+rfng hf]lvdsf]nflu s'n ;+rfng cfDbfgLsf] # k|ltzt !,^$,@@,&^ !,@%,@#,)^hf]8M ;+rfng P= Pn= Pd= sf] nflu s'n ;+rfng cfDbfgLsf] ==== k|ltzthf]8M ckof{Kt t/n ;DklQafkt s'n lgIfksf] ===== k|ltzt

s'n hf]lvd efl/t ;DklQ -Pillar II cGtu{tsf] ;dfof]hg kl5_ !,%^,$$,*$,^) !,@!,*^,&#,$(!=@ k"FhL sf]ifk|fylds k"FhL (Tier I) !*,!!,%$,!* !%,(),!^,$(s= r'Qmf k"FhL (,@$,)#,&( &,@%,%%,!)v= O{l/l8d]an gg–So'Do'n]l6e lk|km/]G; z]o/ – –u= z]o/ lk|ldod !,&!,*$,%$ #,!),$%,!!3= k|:tfljt af]g; z]o/ !,#*,^),%& !,$%,!!,)@ª= ;fwf/0f hu]8f sf]if $,)%,#!,(% #,@),%*,@(r= ;l~rt gfkmf÷gf]S;fg ut cf=j= ;Ddsf] – –5= rfn' cf=j= sf] gfkmf÷-gf]S;fg_ @&,@#,@* @$,^%,*@h= k"FhL lkmtf{ ;dfof]hg sf]if &!,)!,!) –em= k"FhL ;dfof]hg sf]if !@,(!,(( (,$^,()`= nfef+z ;dLs/0f sf]if – –6= C0fkq e'QmfgL sf]if (),&!,$# ^*,%&,!$7= cGo :jtGq sf]ifx¿

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jf;nftleqsf] sf/f]af/-s_ -v_ -u_ -3_Ö-s_–-v_–-u_ -ª_ -r_Ö-3_x-ª_

gub df}Hbft @,$&,*@,!^ — — @,$&,*@,!^ )Ü — @,@*,%*,)) –

g]kfn /fi6« a}+sdf /x]sf] df}Hbft !!,#*,@%,!# — — !!,#*,@%,!# )Ü — &,&^,&#,@# –

;'g — — — — )Ü — – –

g]kfn ;/sf/sf] C0fkqdf nufgL !@,@*,%*,#% — — !@,@*,%*,#% )Ü — (,&*,$),#% –

g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfaL — — — — )Ü — – –

g]kfn /fi6« a}+s C0fkqdf ul/Psf] nufgL — — — — )Ü — #,$),)),)) –

g]kfn /fi6« a}+s pk/sf] ;Dk"0f{ bfaL !,!#,*^ — — !,!#,*^ )Ü — #,(@,@^ —

ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfaL (ECA rating 0-1) — — — — )Ü — — —

ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfaL (ECA rating -2) — — — — @) Ü — — —

ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfaL (ECA rating -3) — — — — %) Ü — — —

ljb]zL ;/sf/ tyf s]Gb|Lo a}+spk/sf] bfaL (ECA rating 4-6) — — — — !)) Ü — — —

ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfaL (ECA rating -7) — — — — !%)Ü — — —

BIS, IMF, ECB, EC / ax'kIfLo ljsf; a}+sx¿pk/sf] bfaL — — — — )Ü — — —

cGo ax'kIfLo ljsf; a}+sx¿ pk/sf] bfaL — — — — !))Ü — — —

;fj{hlgs ;+:yf pk/sf] bfaL (ECA Rating 0-1) — — — — @) Ü — — —

;fj{hlgs ;+:yf pk/sf] bfaL (ECA Rating -2) — — — — %) Ü — — —

;fj{hlgs ;+:yf pk/sf] bfaL (ECA Rating 3-6) @,!),(@,^) — — @,!),(@,^) !)) Ü @,!),(@,^) !,!(,#(,@@ !,!(,#(,@@

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ljb]zL a}+s pk/sf] bfaL (ECA Rating -2) %,^!,%$,^^ — — %,^!,%$,^^ %) Ü @,*),&&,## @,*@,*%,(( !,$!,$@,((

ljb]zL a}+s pk/sf] bfaL (ECA Rating 3-6) — — — — !)) Ü — — —

ljb]zL a}+s pk/sf] bfaL (ECA Rating -7) — — — — !%)Ü — — —

tf]lsPsf] k"FhLsf]ifdf ! k|ltzteGbf a9Ln] k"FhLsf]if sfod ug]{

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shf{ hf]lvd -@)&$ ;fn cfiff9df;fGt_

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ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating 0-1) — — — — @)Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating -2) — — — — %)Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating 3-6) — — — — !))Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating -7) — — — — !%)Ü — — —

pkef]Uo tyf ;fgf shf{ (Regulatory Retail Portfolio) -efvf ggf3]sf]_

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u|fg"nfl/6L ;Ldfafx]s cGo zt{ kfngf u/]sf]

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ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) — — — — @)Ü — —

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ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) — — — — !))Ü — —

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ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating 0-1) — — — @)Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating -2) — — — %)Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating 3-6) — — — !))Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating -7) — — — !%)Ü — — —

la8 a08 k/km/d]G; a08 sfp06/ Uof/]06L

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ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating -2) — — — %)Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating 3-6) — — — !))Ü — — —

ljb]zL ;+3 ;+:yfx¿pk/sf] bfaL (ECA Rating -7) — — — !%)Ü — — —

k|Tofe"lt (Underwriting) ;DaGwL k|lta4tf — — — %)Ü — — —

a}+saf6 ;'/If0fsf] ¿kdf k|bfg ul/Psf hdfgtx¿(Lending of Bank's Securities or Posting of Securities as collateral)

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ul/Psf] z]o/ tyf ;'/If0f (Unpaid portionof partly paid shares and securities)

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atin

g -2

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A R

atin

g 3-

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atin

g -7

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tf]ls

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g]{ :j

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tf]ls

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ug]{

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——

ljb]z

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(EC

A R

atin

g 0-

1)—

—

ljb]z

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A R

atin

g -2

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—

ljb]z

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(EC

A R

atin

g 3-

6)—

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ljb]z

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(EC

A R

atin

g -7

)—

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tf]ls

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d

ug]{

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f ljb]z

L a}+s

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——

:jb]z

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+:yfx¿pk/

sf] bfaL

@,)%,$!

–$,)!,()

–#&

,(%,(%

——

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,*(

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ljb]z

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(EC

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atin

g 0-

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g -2

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atin

g 3-

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ljb]z

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+:yfx¿pk/

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(EC

A R

atin

g -7

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pke

f]Uo t

yf ;fg

f shf{

(Reg

ulat

ory

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lio) -e

fvf

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#^,&(

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cg';

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laN;

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cg';

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shf{ /s

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cg';

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f] cjlw

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k|ltzteGb

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fljt b

floTj

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cg';

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ljj/0f@)&$ cfiff9 df;fGtsf] cl3Nnf jif{x? @)&# cfiff9

df;fGtcf=j= &)÷&! cf=j= &!÷&@ cf=j= &@÷&#

v"b Aofh cfDbfgL 2,99,58,04 2,97,87,99 3,92,11,05

sldzg tyf l8:sfp06 47,86,08 49,73,00 60,44,00

cGo ;+rfng cfDbfgL 21,13,46 23,74,69 30,50,46

;6xL 36a9 cfDbfgL 46,02,27 45,84,18 53,32,65

o; jif{sf] yk Aofh d'NtaL lx;fa -64,98_ 23,67 11,04,37

s'n cfDbfgL -s_ 4,13,94,87 4,17,43,53 5,47,42,53

tf]lsPsf] k|ltzt -v_ 15Ü 15Ü 15Ü

tf]lsPsf] k|ltztn] x'g] s'n cfDbfgL -u_ Ö -s_x-v_ 62,09,23 62,61,53 82,11,38

;+rfng hf]lvdsf] nflu cfjZos k"FhL -3_ Ö -u_ sf] cf};t 68,94,05 61,41,05

hf]lvd ef/ (Reciprocal of capital requirement) -ª_ 10 10

;+rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_ Ö -3_x-ª_ 6,89,40,47 6,14,10,48

;+rfng hf]lvd@)&$ ;fn cfiff9df;fGt cg';"rL #) 3

?= xhf/df

qm=;+ ljj/0f@)&$ cfiff9df;fGt

@)&# cfiff9 df;fGt ljb]zLd'b|fsf] ;fGble{s v"b cj:yf -g]=?=_

ljb]zL d'b|fsf]v"b cj:yf -la=d"_

ljb]zL d'b|fsf]v"b cj:yf -g]=?=_

ljb]zL d'b|fsf] ;fGble{sv"b cj:yf -g]=?=_

! ef/tLo ?k}ofF $&,&#,$*,^)( &^,#&,%&,&&% &^,#&,%&,&&% %#,%),@*,*%^

@ cd]l/sL 8n/ -*,&),^@(_ *,(%,)),^*& *,(%,)),^*& ^,!&,((,(&$

# o'/f] -$^,*$*_ -%$,^*,%!(_ %$,^*,%!( ^@,$#,#(%

$ kfpG8 :6ln{ª &,!*) (,%@,)#* (,%@,)#* *,!(,%(!

% l:j; k|}+ms !),&() !!,$),!^) !!,$),!^) #,)@,)*!

^ c:6«]lnog 8n/ %#,#*( $@,!*,&&# $@,!*,&&# !#,$@,@*^

& Sofg]l8og 8n/ $%,&$& #^,&&,%&$ #^,&&,%&$ ^,)%,*%#

* l;+ufk'/ 8n/ (!,&^( ^*,#^,&&@ ^*,#^,&&@ %^,&@,(#$

( hfkfgL o]g $,*&&,#(^ $#,(^,(&@ $#,(^,(&@ !,#@,**,*(#

!) lrlgof o'cfg *$,&$& !@,%^,&(* !@,%^,&(* $^,)!,!$!

!! ;fpbL c/a l/ofn !,!%,^)& #!,@^,)!# #!,@^,)!# @@,*!,#()

!@ stf/L l/ofn &!,^! !,($,)^# !,($,)^# &,^),^)&

!# ax/fO{g lbgf/ @) %,$@^ %,$@^ –

!$ yfO{ ef6 #,)&,&*) (,@(,$(^ (,@(,$(^ %&,(),#!*

!% ;+o'Qm c/a Old/]6\; lb/fd !,%!,!#% $),^@,%)( $),^@,%)( !,)$,(#,&$*

!^ dn]l;og l/+lu6 ^#,$(( !$,^*,&#@ !$,^*,&#@ %$,^(,*%%

!& l:jl8; qmf]g/ &)^!^ *,^!,%!* *,^!,%!* !,(#,!)#

!* 8]lg; qmf]g/ @,)^,^(! #@,@$,#*@ #@,@$,#*@ !),@$,@!%

!( xªsË 8n/ !*#%) @,#(,*#% @,#(,*#% ^,)^,!@*

@) ;fpy sf]l/og jf]g %,))) $%# $%# #,)@,@#@

Total Open Position -s_ *(,%#,!*,$(# ^%,^^,@^,^)!

tf]lsPsf] k|ltzt -v_ %Ü %Ü

ahf/ hf]lvdsf] nflu cfjZos k"FhL -u_Ö-s_x-v_ $,$&,^%,(@% #,@*,#!,##)

hf]lvd ef/ (Reciprocal of capital requirement) -3_ -!))÷!)_ !) !)

ahf/ hf]lvdsf] nflu hf]lvd efl/t /sd -ª_Ö-u_x-3_ $$,&^,%(,@$& #@,*#,!#,#))

ahf/ hf]lvdsf] nflu hf]lvd efl/t /sd -?= xhf/df_ $$,&^,%( #@,*#,!#

ahf/ hf]lvd@)&$ ;fn cfiff9df;fGt cg';"rL #) ª


ljj/0f ;"rsfÍ cf=j=-)^(÷&)_

cf=j=-)&)÷&!_

cf=j=-)&!÷&@_

cf=j=-)&@÷&#_

cf=j=-)&#÷&$_

!= v"b gfkmf÷s'n cfDbfgL k|ltzt 28=3 27=8 28=1 31=0 28=1

@= k|ltz]o/ cfDbfgL ?= 46=2 40=7 30=9 29=3 29=3

#= k|ltz]o/ ahf/ d"No ?= 784 960 704 1,040 770

$= d"No cfDbfgL cg'kft (PE Ratio) cg'kft 17=0 23=6 22=8 35=5 26=3

%= z]o/ k"FhLdf nfef+z -af]g;;lxt_ k|ltzt 35=0 40=0 34=7 41=0 40=0

^= z]o/ k"FhLdf gub nfef+z e'QmfgL k|ltzt 25=0 25=0 1=7 21=0 25=0

&= Aofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 12=3 10=8 9=0 8=4 9=0

*= sd{rf/L vr{÷s'n ;+rfng vr{ k|ltzt 42=4 44=8 45=6 46=4 48=8

(= s'n lgIf]k tyf ;fk6Ldf Aofh vr{ k|ltzt 4=8 4=0 3=4 2=8 3=7

!)= ;6xL 36a9 cfDbfgL÷s'n cfDbfgL k|ltzt 5=3 6=6 6=6 6=5 5=6

!!= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 72=1 63=2 58=7 65=1 67=3

!@= v"b gfkmf÷shf{ ;fk6 k|ltzt 4=0 3=6 2=9 2=9 2=9

!#= v"b gfkmf÷s'n ;DklQ cg'kft 2=6 2=3 1=9 2=0 2=1

!$= s'n shf{÷lgIf]k k|ltzt 76=4 72=4 74=7 80=1 84=9

!%= s'n ;+rfng vr{*÷s'n ;DklQ k|ltzt 1=22 1=13 1=01 0=95 0=91

!^= hf]lvd efl/t ;DklQdf k"FhL sf]ifsf] kof{Kttf

s= k|fylds k"FhL k|ltzt 10=01 9=52 9=54 13=05 11=58

v= k"/s k"FhL k|ltzt 1=97 1=75 2=36 1=87 1=44

u= s'n k"FhL sf]if k|ltzt 11=49 11=27 11=90 14=92 13=02

!&= t/ntf (CRR) k|ltzt 16=0 19=2 12=0 7=2 10=5

!*=lgliqmo shf{÷s'n shf{ cg'kft 1=91 1=77 1=25 0=68 0=83

!(= cfwf/ b/ (Base Rate) k|ltzt – 6=9 6=5 5=1 8=4

@)=Aofh b/ cGt/ (Weighted Average Interest Rate Spread) k|ltzt 5=5 4=8 4=6 4=7 4=3

@!=a's g]6jy{ ?=-xhf/df_ 70,20,644 7,92,54,79 9,80,69,53 16,28,77,52 18,70,78,84

@@= s'n z]o/ ;+Vof 4,14,48,085 4,76,87,136 6,34,57,007 8,70,66,118 10,62,64,357

@#= s'n sd{rf/L ;+Vof 910 942 969 1005 1187

@$= a's Eofn' k|ltz]o/ ?= 169 166 155 187 176

@%= shf{ lgIf]k cg'kft -:jb]zL lgIf]k±k"FhL_ k|ltzt 74=8 71=9 72=8 76=8 77=6

@^= r'Qmf k"FhLdf k|ltkmn -z'? df}Hbftdf_ k|ltzt 50=8 46=8 41=1 40=2 35=8

@&= z]o/wgLsf]ifdf k|ltkmn -z'? df}Hbftdf_ k|ltzt 31=7 27=6 24=8 26=0 19=1

@*= ahf/ k"FhLs/0f -?= ca{df_ ?= 32=5 45=8 44=7 90=5 81=8

@(= zfvf ;+Vof 44 44 46 46 61

#)= P=l6=Pd= (ATM) ;+Vof 73 80 82 82 98

k|d'v ;"rsfÍ-ljut % jif{sf kl/;"rsx¿_ cg';"rL #!

*s'n ;+rfng vr{ Ö sd{rf/L vr{ ± sfof{no ;+rfng vr{


k|d'v n]vfgLltx¿cg';"rL #@

!= ;fdfGo hfgsf/L

s_ g]kfn OG8f]:j]h a}+s lnld6]8, xfnsf] g]kfn OGe]i6d]06 a}+s lnld6]8 k|]mGr tyf g]kfnL nufgLstf{sf] ;+o'Qm nufgLdf

;g\ !(*^ df tTsfnLg sDkgL P]g, @)@! cg';f/ ;+:yfkg ePsf] a}+s xf] . pQm g]kfn OG8f]:j]h a}+s lnld6]8df ljZjs}

7"nf] a}+lsË ;d"xsf] ;xfos sDkgL æqm]l86 Pu|Lsf]n OG8f]:j]h a}+sÆ sf] %)Ü kF"hL nufgL lyof] . ;g\ @))@, clk|ndf

q]ml86 Pu|Lsf]n OG8f]:j]hn] o; a}+sdf ePsf] cfkm\gf] ;Dk"0f{ nufgL las|L ug]{ lg0f{okZrft\ a}+s/, k]zfsdL{, pBf]uL tyf

Joj;foL ;lDdlnt g]kfnL sDkgLx?sf] ;d"xn] qm]l86 Pu|Lsf]n OG8f]:j]hsf] ;Dk"0f{ nufgL v/Lb u¥of] . tTkZrft\ g]kfn

/fi6« a}+s, sDkgL /lhi6«f/ tyf a}+ss} ;fwf/0f ;efaf6 :jLs[lt lnO{ a}+ssf] gfd æg]kfn OGe]i6d]06 a}+s lnld6]8Æ df

kl/jt{g ul/of] .

v_ ;dLIff jif{df a}+sn] P:f 8]enkd]06 a}+s ln= -g]kfn /fi6« a}+saf6 …vÚ ju{sf] Ohfhtkq k|fKt ;+:yf_ nfO{ k|fKtL u/]sf] 5 .

P; 8]enkd]06 a}+s ln= sf z]o/wgLx?nfO{ To; a}+sdf /x]sf] k|lt !)) lsQf z]o/ a/fa/ o; a}+ssf] $! lsQf z]o/ k|bfg

ul/Psf] 5 . k|fKtL ug]{ ;Demf}tfnfO{ ldlt @)&#÷!@÷@% df a;]sf] b'j} ;+:yfsf] ljz]if ;fwf/0f;efn] cg'df]bg u/]sf]

lyof] . ;fy} g]kfn /fi6« a}+s / sDkgL /lhi6«f/ sfof{noaf6 ldlt @)&$÷)#÷)! / @)&$÷)#÷@) df k|fKtL ug]{ clGtd

:jLs[tL k|fKt ePsf] lyof] . n]vf lx;fa lstfanfO{ ;dfof]hg u/L ldlt @)&$÷)#÷@( af6 Plss[t sf/f]af/ z'? ePsf]

lyof] .

u_ g]kfn OGe]i6d]06 a}+s, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t æsÆ ju{sf] Ohfhtkq k|fKt a}+s xf] . o;sf]

s]Gb|Lo sfof{no b/af/dfu{, sf7df8f}Fdf cjl:yt 5 .

3_ a}+ssf] ;fwf/0f z]o/ ;fj{hlgs v/Lb laqmLsf nflu g]kfn :6s PS:r]Gh ln= df ;"rLs[t 5 .

@= n]vfsf cfwf/x¿

s_ k|:t't cfly{s ljj/0fx¿ ;j{dfGo n]vf l;4fGt, g]kfn n]vfk/LIf0f dfkb08, sDkgL P]g, @)^#, a}+s tyf ljQLo

;+:yf;DaGwL P]g, @)&# / g]kfn /fi6« a}+ssf] lgb]{zgnfO{ ;d]t cfwf/ dfgL tof/ kfl/Psf 5g\ . oL cfly{s ljj/0fx?

NFRS adf]lhd tof/ kfl/Psf 5}gg\, h'g g]kfn rf68{ Psfp06]06 ;+:yf 4f/f cf=j= @)&@÷)&# b]lv nfu' ul/Psf]

5 .

v_ cfly{s ljj/0fx¿ cGoyf pNn]v ul/Psf]df afx]s P]ltxfl;s nfutsf] cfwf/df tof/ kfl/Psf 5g\ .

u_ cfly{s ljj/0fx¿ cGoyf pNn]v ul/Psf]df afx]s k|f]befjL (Accrual) cfwf/df tof/ kfl/Psf 5g\ .

3_ ljQLo ljj/0fx¿ g]kfn /fi6« a}+sn] tf]s]sf] 9fFrfadf]lhd /x]sf] 5 .

ª_ ;+nUg ljlQo ljj/0fx? tof/ ug{ k|of]u ul/Psf d'Vo–d'Vo n]vfgLltx? tn pNn]v ul/Psf 5g\ . cGoyf pNn]v

ePsf]df afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

#= ljlQo ljj/0f :jLs[t

;+nUg ljlQo ljj/0fx? ldlt @)&$÷)%÷@! df a;]sf] a}+ssf] ;+rfns ;ldltsf] a}7saf6 kfl/t e} ;fwf/0f;efdf

z]o/wgLx?af6 :jLs[t x'gfsf nflu k|:t't ul/Psf] 5 .

$= Aofh tyf sldzg cfo

s_ shf{ tyf ;fk6df c;'nL ePsf] AofhnfO{ g]kfn /fi6« a}+ssf] lgb]{zfg';f/ gub k|fKtLsf] cfwf/df cfDbfgL

hgfOPsf] 5 .

v_ /fli6«o k|fyldstfsf cfof]hgfx?nfO{ lbO{Psf] shf{df kfs]sf] AofhnfO{ k"Flhs[t u/L cfDbfgL hgfO{g] ul/Psf] 5 .

h;sf nflu g]kfn /fi6« a}+ssf] ;xdlt lnOPsf] 5 .


u_ sldzg tyf z'NsnfO{ gub k|fKtLsf] cfwf/df cfDbfgL hgfpg] ul/Psf] 5 . t/ Ps jif{eGbf nfdf] cjlwsf]

hdfgLaf6 cflh{t ?= !,)),)))÷– -Ps nfv_ eGbf a9Lsf] sldzgnfO{ hdfgLsf] cjlwe/ k|fKt x'g] ;dosf] cfwf/

df n]vfÍg ul/Psf] 5 .

%= nfef+z cfo

s/ s§L kl5sf] v"b nfef+z cfonfO{ pQm nfef+z k|fKt ug]{ clwsf/ :yflkt ePsf] ;dodf g} n]vfÍg ug]{ ul/Psf]

5 .

^= Aofh vr{

lgIf]k tyf ;fk6L bfloTjsf] Aofh vr{nfO{ k|f]befjL (Accrual) ?kdf n]vfÍg ug]{ ul/Psf] 5 .

&= ;6xL 36a9 ;dfof]hg

s_ jf;nftsf] ldltdf /x]sf] ljb]zL d'b|f ;DklQ Pj+ bfloTjx¿ ;f]xL ldltdf sfod /x]sf] vl/b b/sf] cfwf/df ¿kfGt/0f

ul/Psf] 5 .

v_ ljb]zL d'b|fsf] sf/f]af/df v/Lb tyf laqmL d"Noaf6 ePsf] gfkmf÷gf]S;fg /sdnfO{ æ;6xL sf/f]af/ cfDbfgL jf vr{Æ

zLif{sdf n]vfÍg ul/Psf] 5 .

u_ ljb]zL d'b|fsf] ljlgdo b/df ePsf] km/saf6 ePsf] v"b gfkmf÷gf]S;fg k'gd"{NofÍgsf] avt æ;6xL k'gd"{NofÍg

cfDbfgL÷gf]S;fgÆ zLif{sdf n]vfÍg ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zfg';f/ ;6xL 36a9 gfkmf÷gf]S;fgsf]

@%Ü n] x'g] /sd cfly{s jif{sf] ;dflKtdf ;6xL 36a9 sf]ifdf ;fl/Psf] 5 .

*= ;Defljt shf{ gf]S;fgL Joj:yf tyf c;'nL x'g g;Sg] shf{x¿sf] ckn]vg

s_ g]kfn /fi6« a}+saf6 hf/L lgb]{lzsfsf] cfwf/df shf{ tyf ;fk6nfO{ jlu{s/0f ul/Psf] 5 .

v_ shf{ tyf ;fk6df g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ ;Defljt shf{ gf]S;fgLafktsf] Joj:yf ul/Psf] 5 .

u_ g]kfn /fi6« a}+ssf] lgb]{zfg';f/ gfkmf gf]S;fg lx;fadf vr{ n]vL shf{ gf]S;fgL Joj:yf v8f ul/Psf] 5 .

3_ jf;nftdf plNnlvt shf{ tyf ;fk6L g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd shf{ gf]S;fgL afktsf] Joj:yf /sd Go"g

u/L b]vfOPsf] 5 .

ª_ c;'nL x'g g;Sg] v/fa shf{x¿sf] ckn]vg ubf{ gfkmf gf]S;fg lx;fadf vr{ n]vL ;f] jfkt ul/Psf] Joj:yf shf{

gf]S;fgL Joj:yfaf6 lkmtf{ zLif{sdf cfDbfgL b]vfOPsf] 5 .

r_ v/fa shf{ ckn]vg ;DaGwL sfo{ljlw g]kfn /fi6« a}+såf/f :jLs[t a}+ssf] shf{ ckn]vg ljlgodfjnLdf pNn]v eP

adf]lhd x'g]5 . a}+sn] v/fa shf{ c;'nLsf] nflu pko'Qm /sd;Ddsf] Aofh ldgfxf lbg ;Sg] gLlt lnPsf] 5 .

k|To]s v/fa shf{sf] cj:yf x]/L Gofof]lrt 9+un] shf{sf] km5\of{}6 ul/g]5 .

(= ¥xf; s§L

l:y/ ;DklQ vl/b ul/Psf] csf]{ dlxgfb]lv ;f] ;DklQsf] cfo' cg';f/ Straight Line Basis df ¥xf; s§L ul/Psf]

5 . dd{t tyf ;+ef/sf nflu ePsf] vr{ k"0f{¿kn] gfkmf÷gf]S;fg lx;fadf n]vfÍg ul/Psf] 5 . l:y/ ;DklQdf lgDg

cg';f/ x|f; s§L ug]{ ul/Psf] 5 .

ejg @Ü

;jf/L;fwfg !%Ü

sfo{no pks/0f !)Ü

kmlg{r/ !%Ü

lkmS:r/ lkml6Ë !%Ü

8f6f k|f];]l;Ë xf8{j]o/ @)Ü


!)= ckn]vg x'g afFsL vr{

sDKo'6/ ;km\6j]o/tkm{ ul/Psf] vr{nfO{ cg';"rL !^ sf] æckn]vg x'g afFsL vr{Æ zLif{sdf b]vfOPsf] 5, h;nfO{ vl/b

ul/Psf] ldltaf6 kfFr jif{leq ckn]vg (Amortization) ug]{ ul/Psf] 5 .

!!= ;DklQs/0f gul/Psf j:t'x¿

¿= !),))) eGbf sd d"No /x]sf j:t'x¿ vl/b u/]s} jif{df vr{df b]vfOPsf] 5 .

!@= u}/a}+lsË ;DklQ

s_ u}/a}+lsË ;DklQnfO{ pQm ;DklQ ;sf/ ubf{sf] ldltdf afFsL /x]sf] C0fsf] ;fFjf tyf Jofha/fa/sf] /sddf d"NofÍg ul/Psf] 5 . u}/a}+lsË ;DklQ ;sfbf{sf] ;dodf pQm ;DklQsf] ahf/ d"No c;'n x'g afFsL ;fFjf tyf Aofh /sdeGbf sd ePdf ;DklQsf] d"NofÍg ahf/ d"Nodf / km/s /sd gfkmf–gf]S;fg lx;fadf ;f]xL jif{ vr{ n]lvg]5 .

v_ eljiodf ;sf/ ul/Psf] ;DklQ lg;u{ ubf{sf avt k|fKt /sd tyf ;sf/ ul/Psf] ldltdf sfod ul/Psf] /sddf

km/s kg{ uPdf pQm km/s /sd ;f]xL jif{sf] gfkmf–gf]S;fg lx;fadf cfDbfgL÷vr{ hgfOg]5 .

!#= nufgL

s_ lwtf]kq ahf/df ;"rLs[t ePsf nufgLx¿sf] d"NofÍg ahf/ d"No tyf k/n d"NodWo] h'g 36L 5 ;f]df ul/Psf] 5 .

v_ lwtf]kq ahf/df ;"rLs[t gePsf nufgLx¿sf] d"NofÍg k/n d"Nodf ul/Psf] 5 tyf g]kfn /fi6« a}+ssf] lgb]{zfg';f/ nufgL ;dfof]hg sf]ifsf] Joj:yf ul/Psf] 5 .

u_ a}+ssf] :jfldTjdf /x]sf nufgLx?nfO{ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ lgDglnlvt ju{df jlu{s/0f ul/Psf] 5 . !_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL @_ Jofkfl/s nufgL #_ laqmLsf] nflu pknAw nufgL3_ g]kfn /fi6« a}+ssf] lgb]{zfg';f/ laqmLsf nflu pknAw lwtf]kqx¿sf nflu @Ü nufgL ;dfof]hg sf]ifsf] Joj:yf

ul/Psf] 5 . g]kfn /fi6« a}+såf/f :jLs[t lwtf]kqx¿df ul/Psf] nufgLx¿df nufgL ;dfof]hg sf]ifsf] Joj:yf ul/Psf]

5}g .

!$= cjsfz sf]if

s_ ;Dk"0f{ sd{rf/Lx¿sf nflu k|f]befjL (Accrual) cfwf/df x/]s dlxgf pkbfg vr{sf] Joj:yf u/L æg]kfn OGe]i6d]06 a}+s :jLs[t cjsfz sf]ifdfÆ hDdf ug]{ ul/G5 .

v_ ;+lrt labfafktsf] vr{ gub cfwf/df sd{rf/Ln] cjsfz lnPsf] jif{df e'QmfgL u/L vr{ hgfOg] ul/Psf] 5 .

!%= sd{rf/L shf{ tyf ;fk6L

sd{rf/LnfO{ a}+ssf] sd{rf/L ;]jf ;'ljwf ljlgodfjnL cg';f/ k|bfg ul/Psf] shf{ tyf ;fk6nfO{ jf;nftdf …cGo

;DklQÚ cGtu{t b]vfO{Psf] 5 . sd{rf/LnfO{ k|bfg ul/Psf] cfjf; shf{nfO{ hLjg jLdf ;+u ufFl;Psf] 5 .

!^= cfos/

cfos/ Joj:yfsf] nflu a}+ssf] v"b d'gfkmfdf cfos/ P]g / ;f] P]gcGtu{t ag]sf] lgodfjnLadf]lhd vr{, cfDbfgLdf cfjZos yk36 u/L cfo lgwf{/0f ul/Psf] 5 . Joj:yf ul/Psf] /sd a9L jf 36L x'g uPdf s/ lgwf{/0f ePsf] ;fndf gfkmf÷gf]S;fg lx;fadf ;dfof]hg ug{] ul/G5 . ;fy} g]kfn n]vfdfg dfkb08n] Joj:yf u/]adf]lhd :ylut s/ bfloTj÷;DklQ (Deferred Tax Liability/Asset) n]vfÍg ug]{ ul/Psf] 5 .

!&= ;Defljt bfloTjx¿

;Defljt bfloTjx¿ jf;nftsf] ;Da4 cg';"rLdf b]vfOPsf 5g\ .


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

!= P; 8]enkd]06 a}+s ln= k|fKtL

s_ ;dLIff jif{df g]kfn OGe]i6d]06 a}+sn] P; 8]enkd]06 a}+s -g]kfn /fi6« a}+saf6 …vÚ ju{sf] Ohfhtkq k|fKt ;+:yf_

nfO{ k|fKtL u/]sf] 5 . P; 8]enkd]06 a}+ssf] !)) lsQf z]o/ a/fa/ g]kfn OGe]i6d]06 a}+ssf] $! lsQf z]o/ sfod

u/L g]kfn OGe]i6d]06 a}+sn] P; 8]enkd]06 a}+ssf] r'Qmf k"FhL ?= !,@),#%,&^,%)) sf] ;§f ?= $(,#$,^^,#^%

a/fa/sf] z]o/ hf/L u/]sf] 5 . !)) a/fa/ $! z]o/ sfod ubf{ x'g cfPsf] cGt/ /sd ?= &!,)!,!),!#% nfO{

hu]8f tyf sf]if -cg';"rL @_ cGtu{t PSjLlh;g l/he{ df b]vfO{Psf] 5 .

v_ P; 8]enkd]06 a}+snfO{ k|fKtL ug'{eGbf cufl8 pQm a}+sdf /x]sf] ;Dk"0f{ ;DklQ, bfloTj tyf sf]ifx?nfO{

g]kfn OGe]i6d]06 a}+ssf] ;DalGwt vftfdf ;fl/Psf] 5 . To;}u/L P:f 8]enkd]06 a}+ssf] ldlt @)&$÷)#÷@* df

/x]sf] ;+lrt gfkmf ?= !@,%(,)),^^& nfO{ g]kfn OGe]i6d]06 a}+ssf] gfkmf gf]S;fg afF8kmfF8 lx;fadf ;fl/Psf] 5 .

u_ P:f 8]enkd]06 a}+snfO{ k|fKtL ug'{cl3 g]kfn OGe]i6d]06 a}+ssf] ;+:yfks / ;j{;fwf/0f z]o/ :jfldTj cg'kft &)

M#) / P; 8]enkd]06 a}+ssf] %!M$( /x]sf] df k|fKtL kZrft\ g]kfn OGe]i6d]06 a}+ssf] ;+:yfks ;j{;fwf/0f z]o/

:jfldTj cg'kft ^(M#! x'g cfPsf] 5 .

3_ P; 8]enkd]06 a}+ssf] ldlt @)&$÷)#÷@* sf] jf;nft tyf ldlt @)&#÷)$÷)! b]lv @)&$÷)#÷@* ;Ddsf]

gfkmf gf]S;fg lx;fa a'Fbf g+= #^ df b]vfO{Psf] 5 .

@= r'Qmf k"FhLdf ePsf] kl/jt{g M ;dLIff jif{df r'Qmf k"FhLdf ePsf] kl/jt{g lgDg cg';f/ /x]sf] 5 .

z'?sf] r'Qmf k"FhL -@)&# ;fpg !_M ?= &,@%,%%,)(,*))

hf/L ul/Psf] af]g; z]o/ ?= !,$%,!!,)!,(^)

vl08t (Fraction) z]o/sf nflu hf/L z]o/ ?= $,)#,)),&$)

P; 8]enkd]06 a}+s k|fKtLsf] nflu hf/L z]o/ ?= $(,#$,^^,#^%

clGtd r'Qmf k"FhL -@)&$ cfiff9 #!_ ?= (,@$,)#,&*,*^%

r'Qmf k"FhL ?= * ca{ k'¥ofpg' kg]{ g]kfn /fi6« a}+ssf] lgb]{zgnfO{ o; a}+sn] cf=j= @)&#÷)&$ cufj} kl/kfngf u/]sf]

5 .

#= ;fwf/0f hu]8f sf]ifM

a}+s tyf ljQLo ;+:yf;DaGwL P]g, @)&# sf] bkmf $$ df ePsf] Joj:yf cg';f/ a}+sn] cfkm\gf] v"b d'gfkmfsf] @) k|ltzt /sd

;fwf/0f hu]8f sf]ifdf /sdfGt/ ug'{k5{ . To;}cg';f/ a}+sn] rfn' jif{sf] v"b d'gfkmfaf6 ?=^@,@*,@^,@@* ;fwf/0f hu]8f sf]ifdf

/sdfGt/ u/]sf] 5 . ;fwf/0f hu]8f sf]ifdf P; 8]enkd]06 a}+saf6 ;fl/Psf] ?= @@,$%,#(,(^# klg ;dfj]z ul/Psf] 5 .

z'?sf] ;fwf/0f hu]8f sf]if -@)&# ;fpg !_ ?= #,@),%*,@*,&)#

P; 8]enkd]06 a}+saf6 ;fl/Psf] ?= @@,$%,#(,(^$

gfkmf gf]S;fg afF8kmfF8 lx;faaf6 ;fl/Psf] ?= ^@,@*,@^,@@*

clGtd ;fwf/0f hu]8f sf]if-@)&$ cfiff9 #!_ ?= $,)%,#!,($,*(%

$= z]o/ lk|ldodM

a}+sn] af]g; z]o/ hf/L ug]{ p2]Zon] ?= !,#*,^),%^,*#) z]o/ lk|ldod vftfaf6 gfkmf gf]S;fg afF8kmfF8 lx;fadf

/sdfGt/ u/]sf] 5 .

z'?sf] z]o/ lk|ldod -@)&# ;fpg !_ ?= #,!),$%,!),*%)

af]g; z]o/ hf/L ug{sf] nflu gfkmf gf]S;fg afF8kmfF8 vftfdf ;fl/Psf] ?= -!,#*,^),%^,*#)_

clGtd z]o/ lk|ldod -@)&$ cfiff9 #!_ ?= !,&!,*$,%$,)@)


%= k"FhL ;dfof]hg sf]if M

g]kfn /fi6« a}+ssf] ldlt @)&@÷)(÷#) sf] kl/kq g+= !@÷)&@÷)&# cg';f/ kl/of]hgf shf{ k'gM tflnlss/0f ubf{

k"FhLs[t ul/Psf] Aofh ?= @,&*,%^,^&% nfO{ ;dLIff jif{df gfkmf gf]S;fg afF8kmfF8 lx;faaf6 k"FhL ;dfof]hg sf]ifdf

;fl/Psf] 5 .

z'?sf] df}Hbft -@)&# ;fpg !_M ?= (,$^,*(,()!

P; 8]enkd]06 a}+saf6 ;fl/Psf] ?= ^^,%@,^#!

gfkmf gf]S;fg afF8kmfF8 lx;faaf6 ;fl/Psf] ?= @,&*,%^,^&%

clGtd df}Hbft -@)&$ cfiff9 #!_ ?= !@,(!,((,@)&

^= nufgL ;dfof]hg sf]if M

g]kfn /fi6« a}+ssf] lgb]{zgcg';f/ a}+sn] k"FhL (Equity) df u/]sf] nufgLsf] nflu nufgL ;dfof]hg sf]if v8f u/]sf]

5 .

Exempted nufgL cGtu{t g]kfn lSnol/ª xfp; ln=, shf{ ;"rgf s]Gb| ln= / g]zgn a}+lsË OG:6LRo"6df ul/Psf] k"FhL

(Equity) nufgL kb{5 . h;sf nflu g]kfn /fi6« a}+ssf] lgb]{zgcg';f/ nufgL ;dfof]hg sf]ifsf] Joj:yf ug'{kb}{g .

&= ;6xL 36a9 sf]if M

cf=j= @)&#÷&$ df ljb]zL d'b|f k'gd{"NofÍgaf6 ?= #&,%%,(%! nfe ePsf] 5 . a}+s tyf ljlQo ;+:yf ;DaGwL P]g

@)&# sf] bkmf $% cg';f/ ljb]zL d'b|f k'gd{"NofÍg nfesf] @% k|ltztn] x'g cfpg] /sd ?= (,#*,(** ;6xL 36a9

sf]ifdf :yfgfGt/0f ul/Psf] 5 . o; sf]ifdf P; 8]enkd]06 a}+saf6 ;fl/Psf] /sd ?= !#,**,!$^ klg ;dfj]z ul/Psf]

5 .

z'?sf] df}Hbft -@)&# ;fpg !_M ?= &,$$,)%,%(^

P; 8]enkd]06 a}+saf6 ;fl/Psf] ?= !#,**,!$^

gfkmf gf]S;fg afF8kmfF8 lx;faaf6 ;fl/Psf] ?= (,#*,(**

clGtd df}Hbft -@)&$ cfiff9 #!_ ?= &,^&,#@,&#)

*= sd{rf/L ;+rosf]if tyf pkbfg Joj:yf M

cfos/ P]g, @)%* df Joj:yf eP cg';f/ sd{rf/L ;+rosf]if of]ubfg /sdnfO{ æg]kfn OGe]i6d]06 a}+s :jLs[t cjsfz

sf]ifdfÆ :yfgfGt/0f ul/Psf] 5 .

jf;nftsf] cg';"rL & df b]vfOPsf] Joj:yf /sd ?= @@,$@,$*@ @)^! cfiff9 #! ut];Ddsf] tyf tTkZrft\

e'QmfgL u/]sf] pkbfg bfloTj;Fu ;Da4 5 . ;dLIff jif{df ?= !^,*$,#^* e'QmfgL ul/Psf] 5 . cf=j= @)^)÷)^! kl5sf

nufgL -laqmLsf nflu pknAWf_ d"No ?= Joj:yf /sd ?= v"b nufgL ?= cfjZossf]ifsf] /sd ?=

Exempted nufgL ((,)%,^)) ) ((,)%,^)) )

;"rLs[t nufgL %#,!#,&%,@!) &%,&!% %#,!@,((,$(% !,)^,@%,(()

;"rLs[t gePsf] nufgL @!,)$,%#,^)) %),))) @!,)$,)#,^)) !$,!*,)#,^))

hDdf cfjZos sf]ifsf] /sd (A) &%,!&,#$,$!) !,@%,&!% &%,!^,)*,^(% !%,@$,@(,%()

z'?sf] df}Hbft !^,(#,&^,*@*

P; 8]enkd]06 a}+saf6 ;fl/Psf] !(,&$,%(@

;dfof]hg %,)))

df}Hbft /sd (B) !&,!#,%^,$@)

a9L÷-3l6_ (B-A) !,*(,@^,*#)


:yug s/ ;DklQ ?=

pkbfg sf]if @@,$@,$*@

u}/ a}+lsË ;DklQsf] nflu Joj:yf #(,@%,^&&

nufgL Joj:yf !,@%,&!%

sd{rf/L tflnd sf]if !,)!,(),^&*

sn lgIf]k Joj:yf %$,$(,#@#

s'n :yug ;DklQ @,!(,##,*&%

:yug s/ bfloTj

;DklQ cfwf/ -cfos/ P]gcg';f/_ *),(%,!%,&%%

;DklQ cfwf/ -a}+s vftf cg';f/_ &&,!@,)*,#$)

s'n :yug bfloTj #,*#,)&,$!%

v"b :yug bfloTj -;do cGt/sf] sf/0fn]_ !,^#,&#,%$)

:yugs/ bfloTj #)Ü sf b/n] $(,!@,)^@

n]vf+lst ul/;lsPsf] :yug s/ bfloTj !,!(,@&,)@#

a9L÷-36L_ &),!$,(^!

jif{x¿sf] sd{rf/L pkbfg vr{ æg]kfn OGe]i6d]06 a}+s :jLs[t cjsfz sf]ifÆ df hDdf ug]{ ul/Psf] 5 .

(= cfos/ bfloTj tyf :yug s/ M

s_ cfos/

cfos/ P]g @)%* adf]lhd cfos/ Joj:yf ug]{ ul/Psf] 5 . 7'nf s/bftfaf6 x'g] clGtd s/ lgwf{/0f / cfos/

Joj:yfdf km/s cfPdf km/s /sdnfO{ clGtd s/ lgwf{/0f ePsf] jif{df ;dfof]hg ug]{ ul/Psf] 5 .

;dLIff jif{;Dd cf=j= @)^(÷&) ;Ddsf] clGtd s/ lgwf{/0f ug]{ sfd 7"nf s/bftfsf] sfof{noaf6 ;DkGg ePsf]

5 . t/ 7"nf s/bftfsf] sfof{noaf6 ePsf] s/ lgwf{/0fdf ;Gt'i6 x'g g;s]sfn] a}+sn] cf=j=@)^#÷^$ b]lv @)^(÷)&)

;Ddsf] s/ k'g/fjnf]sgsf] nflu clkn u/]sf] 5 . oL clknx? ;DalGwt lgsfox?df ;'g'jfO{sf] qmddf /x]sf 5g\ . 7"nf

s/bftf sfo{noaf6 dfu eP adf]lhdsf] yk /sdnfO{ gfkmf gf]S;fg lx;fadf Joj:yf ul/Psf] 5 . o; cf=j= df a}+sn]

?= #,@#,$(,@^$ e}k/L cfpg] bfloTjdf n]vfÍg u/]sf] 5, h'g P:f 8]enkd]06 a}+saf6 ;fl/Psf] xf], h;nfO{ cg';'rL !&

df b]vfO{Psf] 5 . ;f] /sd P; 8]enkd]06 a}+ssf] cf=j= @)^)÷^! b]vL @)^(÷&) ;Ddsf] cfos/ ;+u ;DalGwt 5 .

v_ :yug s/

c:yfoL cGt/sf sf/0f o; jif{ :yug s/ bfloTj ?= $(,!@,)^@ l;h{gf ePsf] 5 . h;nfO{ jf;nftdf cGo

bfloTj cGtu{t b]vfO{Psf] 5 . c:yfoL cGt/sf sf/0f l;h{gf ePsf] :yug s/ bfloTj k|rlnt s/sf b/n] v"b

c:yfoL cGt/ ?= !,^#,&#,%$) nfO{ u'0ff u/L tn n]lvP adf]lhd tl/sfaf6 sfod ul/Psf] 5 .

clws bfloTj b]lvPsf] /sd ?= &),!$,(^! nfO{ gfkmf gf]S;fg lx;fadf cfDbfgL hgfOPsf] 5 .


ljj/0f cf=j= @)&#÷)&$ cf=j= @)&@÷)&# a9L÷-36L_ Ü

rNtL lgIf]k !,$)@=#@ !,#*&=!@ !=!)

dflh{g lgIf]k @$)=^@ !%*=&^ %!=%^

art lgIf]k #,^$!=(( #,($@=## -&=^@_

d'2tL lgIf]k %,#^(=@% @,^$*=%! !)@=&#

dfu]sf] avt ltg'{kg]{ lx;fa !,(!@=&% @,&@%=($ -@(=*#_

hDdf lgIf]k !@,%^^=(# !),*^@=^^ !%=^(

!!= C0fkq

a}+sn] cfkm\gf] k"/s k"FhL a9fpgsf] nflu km/s km/s cfly{s jif{df km/s km/s b/sf C0fkq hf/L ub{} cfPsf] 5 .

C0fkq df}Hbftsf] lj:t[t ljj/0f tnsf] tflnsfdf b]vfO{Psf] 5 M

C0fkq e'QmfgL sf]ifdf x/]s jif{ C0fkqsf] /sdnfO{ C0fkq jif{ cjlwn] efu u/L /sdfGt/ ug'{kg]{ /sd lgwf{/0f

ul/Psf] 5 . ;f] cg'?k o; cf=j=df a}+sn] ?= @@,!$,@*,%&) C0fkq e'QmfgL sf]ifdf :yfgfGt/0f u/]sf] 5 .

!@= ljt/0f, c;"nL tyf ldgfxf ul/Psf] ;fFjf tyf Aofh

s_ o; cf=j=sf] cGTo;Dd s'n ?= !#,&!)=!@ s/f]8 shf{ k|jfx ePsf] tyf ?= !!,&$@=&! s/f]8 shf{ c;'nL

ePsf] 5 .

v_ shf{x? l:y/ ;DklQ /÷jf d]l;g tyf cf}hf/÷Psfp06 l/l;Pan÷Jofkfl/s ;DklQ÷hdfgt cflbsf] lwtf]df k|jfx

ul/Psf] 5 .

u_ o; cf=j= df ?= #*,^^,&#% sf] shf{ ckn]vg ul/Psf] 5, h;nfO{ cg';"rL @* …sÚ df b]vfO{Psf] 5 .

!#= l:y/ ;DklQ

s_ P; 8]enkd]06 a}+saf6 k|fKt ul/Psf] l:y/ ;DklQnfO{ g]kfn OGe]i6d]06 a}+ssf] ;DalGwt l:y/ ;DklQ ju{df

n]vfÍg ul/Psf] 5 . k|fKtL ePsf] l:y/ ;DklQ / ;f] ;DaGwL ljj/0f cg';"lr !$ df pNn]v ul/Psf] 5 .

v_ P:f 8]enkd]06 a}+saf6 k|fKt l:y/ ;DklQsf] k|fKtL kZrft\ x|f; s§L g]kfn OGe]i6d]06 a}+ssf] x|f; s§L gLlt cg'?k

Straight Line Method (SLM) tl/sfn] ul/Psf] 5 . P; 8]enkd]06 a}+sn] Written Down Value (WDV) tl/sfn] x|f; s§L ug]{ u/]sf] lyof] .

u_ P; 8]enkd]06 a}+saf6 k|fKt ?= !!,$#,)^,!*& sf] hUuf, hUuf lzif{sdf ;dfj]z ul/Psf] 5 .

!)= lgIf]k bfloTjdf kl/jt{g

tn n]lvP adf]lhd a}+ssf] s'n lgIf]k bfloTjdf ut jif{sf] ?= !),*^@=^^ s/f]8df ?= !,&)$=@& s/f]8sf] a[l4 eO{

?= !@,%^^=(# s/f]8 /xg uPsf] 5 . ?= s/f]8df

hf/L ldlt Aofh b/ /sdC0fkq e'QmfgL sf]ifsf]

/sde'Qmfg ldlt

2068÷03÷29 12Ü 30,00,00,000 30,00,00,000 2075÷03÷28

2070÷04÷06 8Ü 50,00,00,000 28,57,14,284 2077÷04÷05

2071÷04÷11 8Ü 75,00,00,000 32,14,28,571 2078÷04÷10

hDdf !,%%,)),)),))) (),&!,$@,*%%


!$= u}/a}+lsË ;DklQ

o; jif{ cfiff9 df;fGt;Dd a}+s ;Fu ?= %,$$,$@,&^* sf] u}/ a}+lsË ;DklQ /x]sf] 5 . o; dWo] ?= !,^%,%(,)(!

P; 8]enkd]06 a}+saf6 k|fKt ePsf] xf] eg] afFsL ?= #,#(,%*,))) g]kfn OGe]i6d]06 a}+ssf] xf] . g]=/f= a}+ssf] lgb]{zg

cg'?k u}/ a}+lsË ;DklQsf nflu ztk|ltzt Joj:yf ul/;lsPsf] 5 .

z'?sf] df}Hbft -@)&# ;fpg !_M ?= #(,@%,^&&

g]kfn OGe]i6d]06 a}+ssf] yk ?= #,#(,%*,)))

P; 8]enkd]06 a}+saf6 ;fl/Psf] ?= !,^%,%(,)(!

clGtd df}Hbft -@)&$ cfiff9 #!_ ?= %,$$,$@,&^*

o; jif{ yk ul/Psf] u}/ a}+lsË ;DklQ ?= #,#(,%*,))) sf] nflu Joj:yf /sd ?= @,*&,$*,@^@ gfkmf gf]S;fg lx;fadf

vr{ n]lv Joj:yf ul/Psf] 5 eg] afFsL /sd ?= %@,)(,&#* Aoh d"NtjL lx;faaf6 lkmtf{ lnO{ Joj:yf ul/Psf] 5 .

cg';"rL @^ df b]vfO{Psf] ;DklQ laqmLaf6 gfkmf ?= !,$*,@$,(%$ dWo] u}/ a}+lsË ;DklQ laqmLaf6 ePsf] gfkmf

?= @!,)%,))) /x]sf] 5 .

!%= ;/sf/L C0fkq tyf 6«]h/L laN;df ul/Psf] nufgL M

s_ lk|ldod d"Nodf vl/b ul/Psf] ;/sf/L C0fkqdf ul/Psf] nufgLnfO{ Face Value df n]vf+sg ug]{ ul/Psf] 5 .

o:tf k|sf/sf C0fkqdf e'QmfgL ul/Psf] lk|ldod /sdnfO{ cu|Ld e'QmfgLsf ?kdf n]vf+sg u/L C0fkqsf] cjlwe/

;db/n] ckn]vg ul/G5 .

v_ 5"6 d"Nodf vl/b ul/Psf] 6]«h/L laN;nfO{ nfut d"Nodf n]vf+sg ug]{ ul/Psf] 5 . 5"6 d"NonfO{ kflsg;s]sf] Aofhsf

?kdf n]vf+lst u/L 6«]h/L laN;sf] cjlwe/df ;db/n] cfDbfgL hgfpg] ul/Psf] 5 .

!^= Aofh cfDbfgL

s_ ;xljQLos/0f cGtu{t k|jfx ul/Psf] kl/of]hgf shf{sf] Aofh afx]s Aofh cfDbfgLnfO{ gub cfwf/df n]vf+sg

ul/Psf] 5 .

v_ ;xljQLos/0f cGtu{t k|jfx ePsf] kl/of]hgf shf{df lgdf0ff{wLg cj:yfsf] AofhnfO{ g]kfn /fi6« a}+ssf] lgb]{zg

adf]lhd k"FhLs[t ul/Psf] 5 . of] jif{ ?= !*=$* s/f]8 Aofh /sd k"FhLs[t ul/Psf] 5 .

u_ g]=/f=a}+ssf] ldlt @)&@÷)(÷#) sf] kl/kq g+ !@÷)&@÷)&# cg';f/ ?= @=&* s/f]8 Aofh k"FhLs[t

ul/Psf] 5, h'g e"sDk tyf gfsfaGbLsf sf/0f k'gM tflnlss/0f ul/Psf kl/of]hgf shf{x?;Fu ;DalGwt x'g\ . ;fy}

k"FhLs[t Aofh /sdnfO{ gfkmf gf]S;fg afF8kmfF8 lx;faaf6 k"FhL ;dfof]hg sf]ifdf ;fl/Psf] 5 . pQm sf]if shf{ r'Qmf

geP;Dd /lx/xg] 5 .

!&= ckn]vg ug{ afFsL vr{

s_ sDKo'6/ ;km\6j]o/df ul/Psf] vr{nfO{ cg';"rL !^ df ……ckn]vg ug{ afFsL vr{Æ cGtu{t juL{s/0f ul/Psf] 5 .

sDKo'6/ ;km\6j]o/nfO{ vl/b ul/Psf] ldltaf6 % jif{leq ckn]vg ug]{ ul/Psf] 5 . o; jif{ ?= !,*#,$),&@#

gfkmf–gf]S;fg vftfdf /sdfGt/ u/L ckn]vg ul/Psf] 5 .

v_ P; 8]enkd]06 a}+ssf] ;km\6j]o/ -k'df]/L_ nfO{ pQm a}+sn] k"0f{ ?kdf ckn]vg ul/;s]sf] lyof] .

!*= hf]lvd;DaGwL Joj:yf tyf hf]lvd a]xf]g]{ sf]ifaf6 lkmtf{

s_ g]kfn /fi6« a}+ssf] lgb]{zgcg';f/ o; jif{ ?= $*,!$,^!,$(^ ;+efljt shf{ gf]S;fgL Joj:yfsf] nflu

gfkmf–gf]S;fg lx;fadf vr{ hgfO{Psf] 5, h;nfO{ cg';"rL @% -!_ df b]vfO{Psf] 5 .

v_ rfn' cf=j=df hf]lvd a]xf]g]{ sf]ifaf6 ?= (,^!,@),@(@ lkmtf{ ul/Psf] 5 . pQm /sd cg';"rL @& df b]vfO{Psf] 5 .


!(= ckn]vg ePsf] shf{ c;'nL

cl3Nnf jif{x?df ckn]vg ePsf] shf{ dWo] o; jif{ cf+lzs ?kdf ?= @,$!,$),@)) c;'nL ePsf] 5 . pQm /sdnfO{

cg';"rL @* df c;fdfGo sf/]faf/x?af6 ePsf] d'gfkmf÷vr{ lzif{sdf b]vfO{Psf] 5 .

@)= nfef+z cfDbfgL M

cf=j=@)&#÷&$ df ljleGg ;+:yfdf ul/Psf] nufgLaf6 v"b nfef+z ?= ̂ ,%),%#,(#! k|fKt ePsf] 5 h'g o; k|sf/sf] 5 .

@!= sn lgIf]ksf] nflu Joj:yf

P; 8]enkd]06 a}+saf6 k|fKt a}+s df}Hbft dWo] ?= %$,$(,#@# Soflk6n dr]{06 a}+lsË P08 kmfOgfG; ln= df /x]sf] sn

lgIf]k ;dfj]z 5 . pQm kmfOgfG; sDkgL g]kfn /fi6« a}+s 4f/f ;d:ofu|:t 3f]if0ff ul/Psf]n] pQm /sddf ztk|ltzt gf]

S;fgL Joj:yf /flvPsf] 5 . pQm Joj:yfnfO{ cg';"rL & cGtu{t cGo bfloTj -!#=$_ df a}+s df}Hbftsf] nflu Joj:yf

lzif{sdf b]vfO{Psf] 5 .

@@= ;'gsf l;Ssf÷;'g Ol6Pkm

a}+s;Fu ?= @&,#&,&^* -k/n df]n_ sf ;'gsf l;Ssfx? / ?= %&,)^,)*# -k/n df]n_ sf ;'g Ol6Pkm /x]sf 5g\ h;nfO{

jf;nftsf] cGo ;DklQ df b]vfO{Psf] 5 .

@#= lx;fa ldnfgsf] cj:yf ?= xhf/df

dfly plNnlvt /sddf 8]la6 cGt/ / qm]l86 cGt/ b'j} ;dfj]z ePsf 5g\ . o:tf km/s /sdx?sf] b}lgs ?kdf klxrfg

x'g] u/]sf] / cfjZostfcg';f/ ;dfof]hg ug]{ ul/Psf] 5 .

qm= ;+= ;+:yfsf] gfd k|fKt nfef+z ?=

! Pg=cfO=la=Pn= Soflk6n lnld6]8 !,(@,*%,)))

@ Pg=cfO=la=Pn= ;Da[l4 km08 –! @,!),)),)))

# glan Aofn]G:8 km08 –! %),#@,@)%

$ Pg=Pd=la= ;'ne km08 @^,)(,((^

% l;4fy{ OlSj6L cf]l/o06]8 l:sd %^,^!,*#$

^ ICRA g]kfn lnld6]8 &^,)))

& g]kfn lSnol/Ë xfp; lnld6]8 $,&%,)))

* shf{ ;"rgf s]Gb| lnld6]8 *,(@,^$(

( ?/n dfO{qmf] kmfOgfG; 8]enkd]06 ;]G6/ (RMDC) #^,*!,()(

!) :jfjnDag ljsf; a}+s lnld6]8 ^#,#(,##*

s'n ^,%),%#,(#!

ljj/0f ! jif{ ;Dd !–# jif{ ;Dd # jif{ eGbf a9L hDdf

Ph]G;L vftfx? #,^!,&*% &,@),^(@ %#$ !),*#,)!@

zfvf lx;fa ldnfg – – – –


@$= efl/t cf};t Aofhb/ cGt/

cf=j= @)&#÷&$ sf] nflu efl/t cf};t Aofhb/ lgDg adf]lhd /x]sf] 5 .

@%= t/ntf ljj/0f tflnsf ?= xhf/df

@^= sd{rf/L tflnd tyf ljsf; sf]if

g]kfn /fi6« a}+ssf] ldlt @)&#÷)(÷@^ sf] kl/kq g+= !)÷)&#÷)&$ sf] kl/kfngf :j?k sd{rf/L tflnd tyf ljsf;

sf]if -cg';"rL @_ df ?= *!,*@,##^ /sdfGt/ ul/Psf] 5 . sd{rf/L tflnd vr{sf] ljj/0f lgDg cg';f/ /x]sf] 5 .

cf=j= @)&@÷)&# sf] s'n sd{rf/L vr{ ?= %^,(&,$(,@%%

cf=j= @)&#÷)&$ df vr{ ug'{kg]{ ?= !,&),(@,$&*

;DklQ !–() lbg(!–!*)

lbg!*!–@&)

lbg@&!–#^%

lbg! jif{ eGbf

a9Ls'n /sd

gub df}Hbft

a}s df}Hbft

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

sn dgL

g]kfn ;/sf/sf] C0f–kq

g]kfn /fi6« a}+ssf] C0f–kq

cGt/ a}+s shf{

shf{ tyf ;fk6L

k|fKt ug'{kg]{ Aofh

nufgL

cGo

2,47,82,16

15,41,93,74

9,28,38,68

3,28,96,00

-

-

4,00,00

32,78,22,22

14,02,49

-

-

-

-

-

-

50,00,00

-

-

11,63,99,04

-

-

-

-

-

-

-

2,00,00,00

-

-

8,57,44,48

-

-

-

-

-

-

-

1,35,00,00

-

-

11,81,68,26

-

-

-

-

-

-

-

8,43,58,35

75,17,34

-

39,81,14,07

-

-

2,50,43,50

2,47,82,16

15,41,93,74

9,28,38,68

3,28,96,00

12,28,58,35

75,17,34

4,00,00

1,04,62,48,08

14,02,49

-

2,50,43,50

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

bfloTj

rNtL lgIf]k

art lgIf]k

dfu]sf] avt lbg'kg]{÷dflh{g lgIf]k

C0f kqx¿

cGt/ a}+s ;fk6L

k'g{nufgL

cGo bfloTj

;G8«L qm]l86;{

e'QmfgL lbg'kg]{ lan

e'QmfgL lbg'kg]{ Aofh

z]o/ k"FhL tyf hu]8f

6,61,31,13

16,66,43,47

8,34,55,92

-

24,13,24

-

-

32,46,73

14,38,62

25,92,81

-

1,40,23,18

5,55,47,82

13,38,91,47

-

-

-

2,31,00,95

-

-

-

-

2,10,34,76

8,33,21,79

12,72,02,75

-

-

-

-

-

-

-

-

1,40,23,18

5,55,47,82

12,89,95,18

-

-

-

-

-

-

-

-

4,90,81,12

19,44,17,43

6,33,76,53

1,55,00,00

-

-

1,61,15,60

-

-

-

18,70,78,84

16,42,93,36

55,54,78,34

53,69,21,85

1,55,00,00

24,13,24

-

3,92,16,55

32,46,73

14,38,62

25,92,81

18,70,78,84

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

v"b ljQLo ;DklQ #),*$,!#,#^ -!),%!,^$,#*_ -!@,%*,!$,*!_ -^,^*,(&,(!_ -!,)%,#^,@^_ –

;l~rt v"b ljQLo ;DklQ #),*$,!#,#^ @),#@,$*,(* &,&$,#$,!& !,)%,#^,@^ – –

shf{ tyf nufgLdf Aofh cfo -:yfgLo d'b|fdf_ *=#& Ü

lgIf]k tyf ;fk6Lsf] nfut -:yfgLo d'b|fdf_ $=)# Ü

efl/t cf};t Aofh cGt/ -:yfgLo d'b|fdf_ $=#$ Ü


cf=j= @)&#÷)&$ df ePsf] vr{ ?= *(,!),!$@

sd{rf/L tflnd tyf ljsf; sf]ifdf /sdfGt/ ?= *!,*@,##^

P; 8]en]kd]06 a}+saf6 ;fl/Psf] ?= @),)*,#$@

sf]ifsf] clGtd df}Hbft ?= !,)!,(),^&*

@&= ;fdflhs pQ/bfloTj sf]if

g]kfn /fi6« a}+ssf] ldlt @)&#÷!)÷!@ sf] kl/kq g+= !!÷)&#÷)&$ sf] kl/kfngf :j?k a}+sn] ?= #,!!,$!,#!@

-v'b gfkmsf] ! k|ltzt_ gfkmf gf]S;fg afF8kmfF8 lx;faaf6 ;fdflhs pQ/bfloTj sf]if -cg';"rL @_ df /sdfGt/

u/]sf] 5 . cf=j= @)&#÷)&$ df a}+sn] ?= @,^@,*@,()) ;fdflhs pQ/bfloTj sfo{ -cg';"rL @$_ df vr{ u/]sf] 5 .

cg':f"rL @ sf] ;fdflhs pQ/bfloTj sf]ifdf P; 8]enkd]06 a}+saf6 k|fKt ePsf] ?= !%,^&,!#* ;d]t ;dfj]z ul/Psf]

5 .

@*= sd{rf/L af]g;

af]g; vr{ cfos/afkt Joj:yf ug'{k"j{ tyf af]g; Joj:yfkl5 x'g cfpg] gfkmfsf] !) k|ltztsf] b/n] sd{rf/L af]g;

vr{ hgfOPsf] 5 .

@(= a}+sn] ;xfos sDkgL / cGo sDkgLx?df u/]sf] nufgLM

s_ a}+sn] dr]{G6 a}+lsË Joj;fo ug{sf nflu ?= %) s/f]8sf] clws[t k"FhL / ?=!$ s/f]8 %) nfvsf] hf/L k"FhL /xg] u/L

PgcfO{aLPn Soflk6n dfs]{6\; lnld6]8 gfds Ps ;xfos sDkgL :yfkgf u/]sf] 5 . hf/L k"FhL dWo] &) k|ltzt -?=!)

s/f]8 !% nfv_ df a}+ssf] nufgL /x]sf] 5 eg] afFsL #) k|ltzt ;j{;fwf/0fsf nflu 5'§ofOPsf] 5 .

pQm ;xfos sDkgLsf] sfo{If]q dr]{G6 a}+lsË, lgIf]k ;xeflutf -l8kf]lh6/L kfl6{l;k]G6_, Do"Ro"cn km08, k|fOe]6

OlSj6L tyf k/fdz{ ;]jf cflb /x]sf] 5 . ;xfos sDkgLn] cf=j= @)&#÷&$ df ?= !)=)* s/f]8 v"b d'gfkmf u/]sf] 5 .

cl3Nnf] cf=j= df v"b gfkmf ?= %=@$ s/]f8 /x]sf] lyof] . sDkgLn] o; jif{ r'Qmf k"FhLsf] (& k|ltzt af]g; z]o/

tyf @% k|ltzt gub nfef+z 3f]if0ff u/]sf] 5 .

v_ P; 8]enkd]06 a}+sn] &,)),))) lsQf z]o/ k|ltz]o/ ?= !)) sf b/n] P; Soflk6n ln= df dr]{06 a}+lsË sfo{ ug{

nufgL u/]sf] lyof] . P; Sofkl6n ln= P; 8]enkd]06 a}+ssf] !))Ü ;xfos sDkgL lyof] . P; 8]enkd]06 a}+snfO{

g]kfn OGe]06d]06 a}+sn] k|fKtL u/]kl5 pQm sDkgL a}+ssf] !))Ü ;xfos sDkgL ePsf] 5 . cf=j= @)&#÷)&$

df P; Soflk6n ln= n] ?= #=&@ s/f]8 v'b d'gfkmf cfh{g u/]sf] 5 . cl3Nnf] jif{df v"b gfkmf )=(! s/f]8 lyof]

. P; Soflk6n ln= n] ;+lrt d'gfkmfaf6 o; jif{ r'Qmf k"FhLsf] %@ k|ltzt gub nfef+z 3f]if0ff u/]sf] 5 .

u_ a}+sn] df]afO{n a}+lsË ;]jf ;+rfngsf nflu ?= *@=*( nfv Flexiterm Pvt. Ltd. df / ?= @=(* s/f]8 M Nepal Pvt. Ltd. df nufgL u/]sf] 5 .

#)= ;DalGwt ;+:yfaLr ePsf] sf/f]af/ (Related Party Disclosure)

-s_ PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8sf] cfly{s jif{ @)&#÷&$ sf] cGTodf g]kfn OGe]i6d]06 a}+ssf] ljleGg vftfx?df ? !=## s/f]8 ?k}ofF lgIf]k /x]sf] 5 . o; jif{ a}+sn] pQm vftfx?df ?= @=#$ s/f]8 Aofh k|bfg u/]sf] 5 . To;} u/L P; Soflk6n ln= sf]] cfly{s jif{ @)&#÷&$ sf] cGTodf g]kfn OGe]i6d]06 a}+ssf] ljleGg vftfx?df ?= !&=*$ s/f]8 ?k}ofF lgIf]k /x]sf] 5 . o; jif{ a}+sn] pQm vftfx?df ?= %&=%! xhf/ Aofh k|bfg u/]sf] 5 .

-v_ a}+sn] cfkm\gf] Ps hgf sd{rf/L PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8df k|d'v sfo{sf/L clws[tsf] ?kdf lgo'Qm u/]sf] 5 . cf=j= @)&#÷&$ df sDkgLn] lghnfO{ ?= !@=^ nfv eQf :j?k k|bfg u/]sf] 5 .

-u_ a}+sn] Joj:yfkg ;]jf tyf cGo cfwf/e"t ;]jf pknAw u/fpgsf] nflu ;xfos sDkgL;+u Service Level Agreement (SLA) u/]sf] 5 . a}+sn] SLA jfkt ;xfos sDkgLaf6 jflif{s ?= ^ nfv k|fKt ub{5 .


-3_ a}+sn] ;xfos sDkgL PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8nfO{ cfkm\gf] z]o/ /lhi6«f/ lgo'Qm u/]sf] 5 . pQm

sfo{sf] nflu a}sn] PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8 nfO{ jflif{s ?= % nfv k|bfg ub{5 . a}+sn] z]o/ /

lhi6«f/ sfo{df ;xof]u k'¥ofpgsf] nflu cfkm\gf sd{rf/L ;xfos sDkgLdf v6fPsf] 5 . pQm sd{rf/Lsf] jflif{s

vr{ ;xfos sDkgLåf/f a}+snfO{ ;f]wegf{ ug]{ ul/Psf] 5 .

-ª_ a}+sn] PgcfO{aLPn Do'r'cn km08 cGtu{tsf] PgcfO{aLPn ;d[l4 km08df lah k"FhLsf] ?kdf ?= !$ s/f]8 nufgL

u/]sf] 5 . To;} ul/ PgcfO{aLPn k|ult km08df ?= !)=@% s/f]8 lah k"FhLsf] ?kdf nufgL u/]sf] 5 .

-r_ o; jif{ a}+sn] ?= !=(# s/]f8 PgcfO{aLPn Soflk6n dfs]{6\; ln=sf] cf=j= @)&@÷)&# sf] gfkmfaf6 nfef+z :j?k

k|fKt u/]sf] 5 .

-5_ a}+sn] ;xfos sDkgLn] Joj:yfkg u/]sf] z]o/ tyf D.P. vftfsf] nflu a}+s/sf] ?kdf sfo{ u/] afkt ?= $%=$

nfv ;]jf z'Ns k|fKt u/]sf] 5 .

-h_ a}+s / ;xfos sDkgL aLrsf] ;Dk"0f{ sf/f]af/ c;Da4 kIfaLrsf] sf/f]af/ (Arms Length Basis) sf] ?kdf ug]{

ul/Psf] 5 .

#!= ljt/0f x'g afFsL nfef+z

cf=j= @)&#÷)&$ sf] cfiff9 df;fGt ;Dd cl3Nnf jif{x?sf] ljt/0f x'g afFsL nfef+z ?= !*,**,@),*)& /x]sf] 5 .

#@= ef/tLo d'b|f

a}+sn] ?= #$,&*,$)) -ef?= @!,&$,)))_ a/fa/sf] ef?= %)) / !))) b/sf ef/tLo d'b|f ;6xL ug{ g]kfn /fi6« a}+s

k7fPsf]df pQm d'b|f xfn;Dd ;6xL x'g afFsL /x]sf] 5 .

##= k|:tfljt nfef+z

a}+ssf] ;+rfns ;ldltn] gfkmfaf6 r'Qmf k"FhLsf] !% Ü af]g; z]o/ -?= !,#*,^),%^,*#)_ tyf @% Ü gub nfef+z

-?= @,#!,)),($,&!&_ ljt/0f ug]{ k|:tfj u/]sf] 5 . h'g jflif{s ;fwf/0f ;efaf6 cg'df]bg x'g afFsL 5 .

#$= cf=j= @)&@÷&# -@)!%÷!^_ sf t'ngfTds c+sx¿

cf=j= @)&@÷&# sf c+sx¿ cfjZostfcg';f/ k'gM juL{s/0f ul/Psf] 5 .

#%= ;dfof]hg

/sdx¿ lgs6td ?k}ofFdf b]vfO{Psf 5g\ .

#^= P; 8]enkd]06 a}+s k|fKtL ;DaGwL cltl/Qm ljj/0f

P; 8]enkd]06 a}+ssf] k|fKtL eGbf cl3sf] jf;nft tyf gfkmfgf]S;fg lx;fa lgDg cg';f/sf] /x]sf] 5 .


k"FhL tyf bfloTj rfn' cf=j= ?= ut cf=j= ?=!= z]o/ k"FhL 1,203,576,500 1,202,983,800 @= hu]8f tyf sf]ifx? 366,847,853 211,701,145 #= C0fkq tyf aG8 - - $= ltg{ afFsL shf{ ;fk6 - 1,346,018,493 %= lgIf]k bfloTj 7,448,998,459 7,589,068,527 ^= e"QmfgL lbg"kg{] ljnx? 581,933 38,811,508 &= k|:tfljt gub nfef+z - - *= cfos/ bfloTj - - (= cGo bfloTj 165,408,974 458,727,676 s"n k"FhL tyf bfloTj 9,185,413,720 9,185,413,720 10,847,311,149 10,847,311,149

;DklQ tyf hfoh]yf rfn' cf=j= ?= ut cf=j= ?=!= gub df}Hbft 155,741,235 84,501,089 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 709,749,244 113,185,553 #= a}+s tyf ljtLo ;+:yfdf /x]sf] df}Hbft 46,883,883 130,276,767 $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 339,901,078 2,959,251,999 %= nufgL 608,358,167 565,236,135 ^= shf{ ;fk6 tyf ljn v/Lb 7,078,827,659 6,749,968,366 &= l:y/ ;DklQ 90,537,424 99,169,154 *= u}/ a}lsË ;DklQ - - (= cGo ;DklQ 155,415,031 145,722,086

s"n ;Dklt 9,185,413,720 9,185,413,720 10,847,311,149 10,847,311,149

P; 8]enkd]06 a}+s lnld6]8jf;nft

@)&$ cfiff9 @* ut]sf]



!= Jofh cfDbfgL 781,776,457 733,516,148

@= Jofh vr{ 447,692,654 302,592,424

v"b Aofh cfDbfgL 334,083,803 334,083,803 430,923,724 430,923,724

#= sldzg tyf l8:sfp06 9,390,771 7,872,915

$= cGo ;~rfng cfDbfgL 27,470,712 32,353,070

%= ;6xL 36j9 cfDbfgL 1,777,772 7,879,004

s"n ;~rfng cfDbfgL 372,723,058 372,723,058 479,028,714 479,028,714

^= sd{rf/L vr{ 94,860,068 81,668,096

&= cGo ;~rfng vr{{ 82,126,772 77,146,185

*= ;6xL 36j9 gf]S;fg - - - -

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf 195,736,219 195,736,219 320,214,433 320,214,433

(= ;Defljt gf]S;fgL Joj:yfx? 30,262,167 74,783,471

;~rfng d"gfkmf 165,474,052 165,474,052 245,430,962 245,430,962

!)= u}/ ;~rfng cfDbfgL÷gf]S;fg 7,323,691 51,011,530

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 81,405,548 126,628,672

lgoldt sf/f]jf/af6 ePsf] d"gfkmf+ 254,203,291 254,203,291 423,071,164 423,071,164

!@= c;fdfGo sf/f]jf/x?af6 ePsf] vr{ (16,376,411) (30,160,200)

;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] d"gfkmf 237,826,880 237,826,880 392,910,964 392,910,964

!#= sd{rf/L af]g; Joj:yf 21,620,625 35,719,179

!$= cfos/ Joj:yf 59,492,408 59,492,408 105,831,387 105,831,387

o; jif{sf] s/ Joj:yf 57,792,388 105,175,125

ut jif{;Ddsf] s/ Joj:yf - -

o; jif{sf] :yug s/ cfDbfgL÷vr{ 1,700,020 656,262

v"b gfkmf÷gf]S;fg 156,713,846 156,713,846 251,360,398 251,360,398

P; 8]enkd]06 a}+s lnld6]8gfkmf–gf]S;fg lx;fa

@)&# ;fn >fj0f ! ut]b]lv @)&$ cfiff9 @* ut];Dd


P; 8]enkd]06 a}+s lnld6]8gfkmf–gf]S;fg afF8kmfF8 lx;fa



cDbfgL



#= ;6xL 36a9 sf]if

$= nufgL ;dfof]hg sf]if

%= :yug s/ hu]8f

127,645

156,713,846

-

269,063

1,700,020

4,820,143

251,360,398

-

1,590,450

656,262

hDdf 158,810,575 158,810,575 258,427,253 258,427,253

vr{







&= sd{rf/L ;DaGwL tfnLd sf]if tyf hu]8fx?

*= k|:tfljt nfef+z

(= k|:tfljt af]g; z]o/ hf/L


!!= ;6xL 36a9 sf]if

!@= k"+hL lkmtf{ hu]8f sf]if

!#= k"+hL ;dfof]hg sf]if


!%= :yug s/ hu]8f

!^= ;fdflhs kl/of]hgf sf]if

-

-

31,342,769

-

-

-

-

-

-

-

-

-

-

-

-

1,567,138

-

-

50,272,080

-

-

-

-

-

202,581,400

-

222,671

-

5,159,736

63,720

-

-

hDdf 32,909,907 32,909,907 258,299,608 258,299,608

;l~rt d'gfkmf÷-gf]S;fg_ 125,900,667 125,900,667 127,645 127,645


;+:y

fks÷;

+:yfks ;

d"x

cGt

u{t k

g]{ z

]o/wg

Lsf] gf

d

;+:y

fkssf] :j

fldTj

df sfo

d /

x]sf] z]o/

shf{ ljj/

0f

s}lkmo

ts"n lsQf

;+Vo

f+s'n r

'Qmf

k"FhLs

f]k|ltz

tshf{ ln

Psf] cGo

a}+s

tyf ljQLo

;+:y

fsf] gf

dshf{ /s

d?= =xh

f/df

lwtf

]df /x

]sf] z]o/

lsQf

;+Vo

f

k|'*]]lG;on Soflk^n Dofg]hd]G^ sDkgL k|f=ln=

2936

680.

318

l;l^hg a}+s OG^/g]zgn ln=

173

540

1625

48

;g/fOh xf]lN*é; k|fOe]^ ln=

400

0.00

0k|e' a}+s ln=

150

000

331

/fh]z pkfWofo

6366

0.00

7Pg cfO l; Pl;of a}+s ln=

118

978

6366

nf]^; OGe]i^d]G^ k|fOe]^ ln=

1108

385

1.20

0l;l^hg a}+s OG^/g]zgn ln=

105

096

465

482

>L u)f]z k|f]lK^<{h P)* OGe]i^d]G^ k|f=ln

6015

60.

065

l;l^hg a}+s OG^/g]zgn ln=

9400

0 31

561

sdnf OGe]i^d]G^ k|fOe]^ ln=

1195

883

1.29

4g]kfn a+unfb]z a}+s ln=

7400

0 28

892

8

af]w k|;fb lqkf&L

1270

30.

014

Pg cfO l; Pl;of a}+s ln=

700

00

9900

:ofs/ sDkgL k|f=ln

405

938

0.439

s}nfz lasf; a}+s

664

00

2530

61

o'gfO^]* l*li^<Jo'^/ g]]]kfn k|f=ln

178898

0.19

4Pe/]i^ a}+s ln=

625

00

17815

5

:ofs/ sDkgL k|f=ln

405

938

0.439

k|fOd sdl;{on a}+s ln=

570

00

835

10

g]kfn hg/n dfs]{l^~ k|f=ln

3115

300.

337

s}nfz lasf; a}+s

509

00

19420

7

g]kfn hg/n dfs]{l^~ k|f=ln

3115

300.

337

k|fOd sdl;{on a}+s ln=

4400

0 64

088

P=P=P=Oge]i^d])^ k|f=ln=

402

84

0.04

4lxdfnog a}+s ln=

433

00

2500

0

ds{G^fOn OGe]i^d])^ k|f=ln=

9791

301.

060

lxdfnog a}+s ln=

401

75

401

750

nfOkm s]o/ l*li^<Jo'^/ k|f=ln

6000

00.

065

Pe/]i^ a}+s ln=

306

00

6000

0

ljsf; ODk]S;

454

46

0.04

9l;len a}+s ln=

264

85

3767

5

k]|i^fOg OGe]i^d]G^ k|f=ln

1255

451

1.35

9;flgdf a}+s ln=

18821

18

821

2

;'o{ Ogkmf]l;; k|f=ln

1255

451

1.35

9;flgdf a}+s ln=

18821

18

821

2

hgs lji^

1604

100.

174

OG^/g]zgn *]enkd])^ a}+s ln=

133

00

1330

00

lgt' cu|jfn

6028

0.00

7s}nfz lasf; a}+s

119

86

6028

%f]^] nfn /f}lgof/

9316

0.01

0Pg Pd la a}+s ln=

114

60

896

0

cf]d ;fx

1004

0.00

1d]#f a}+s ln=

110

01

1004

nljg pbf;

1206

0.00

1olt *]enkd])^ a}+s ln=

100

00

1000

>L u)f]z k|f]lK^<{h P)* OGe]i^d]G^ k|f=ln

6015

60.

065

k|e' a}+s ln=

9834

28

588

OGb| yfkf

2714

10.

029

c/lgsf] *]enkd])^ a}+s ln=

929

8

2098

2

!fg]Gb| k|wfg

2593

60.

028

g]kfn a}+s ln=

820

0 25

936

af]w k|;fb lqkf&L

78815

0.08

5k|e' a}+s ln=

679

5 67

956

gljg cu|jfn

2274

20.

025

PS;]n *]enkd])^ a}+s ln=

650

0 22

742

;+:y

fks÷;

+:yfks ;

d"xs

f z]o/

wgLn

] cfkm\g

f] :j

fldTj

df /x

]sf] z]o/

cGo

a}+s

tyf ljQLo

;+:y

fdf lwtf

] /fv

L shf{ ln

Psf] ljj/

0f-@)&

$ ;

fn c

fiff9df;

fGt_

cg';

"rL #$


;+:y

fks÷;

+:yfks ;

d"x

cGt

u{t k

g]{ z

]o/wg

Lsf] gf

d

;+:y

fkssf] :j

fldTj

df sfo

d /

x]sf] z]o/

shf{ ljj/

0f

s}lkmo

ts"n lsQf

;+Vo

f+s'n r

'Qmf

k"FhLs

f]k|ltz

tshf{ ln

Psf] cGo

a}+s

tyf ljQLo

;+:y

fsf] gf

dshf{ /s

d?= =xh

f/df

lwtf

]df /x

]sf] z]o/

lsQf

;+Vo

f

of]u]Zj/ (sfn

1122

80.

012

k|e' a}+s ln=

600

0 93

10

nIdL vgfn

2728

10.

030

l;$fy{ a}+s ln=

591

0 27

281

/df kf)*] kGt

3208

0.00

3;flgdf a}+s ln=

509

4

3208

>L/fd kf)*]

802

0.00

1;flgdf a}+s ln=

502

3 802

af]w lqkf&L

479

790.

052

k|e' a}+s ln=

479

7 479

79

ljsf; cu|jfn

3208

0.00

3k|fOd sdl;{on a}+s ln=

477

3 32

08

zf]ef ld>

6620

60.

072

cfO l; Pkm l; kmfOgfG; ln=

428

0 24

822

sljtf v*\sf

492

20.

005

nÚlDagL kmfOgfG; P)* lnlhª s+= ln=

426

5 11

71

lblnk d'gfsdL{

2722

0.00

3;g/fO{h a}+s ln=

400

0 20

00

l*=s]+ OG^/g]zgn OGe]i^d])^ k|f=ln=

2523

40.

027

olt *]enkd])^ a}+s ln=

395

4

2166

7

?xfgL sfsL{

1809

0.00

2nÚlDagL kmfOgfG; P)* lnlhª s+= ln=

394

0 18

09

/fd ;fpb

784

0.00

1d]#f a}+s ln=

3450

65

0

cldt cu|jfn

7252

0.00

8l;$fy{ a}+s ln=

339

8

7252

zfGtf >]i&

2532

0.00

3>L OGe]i^d])^ P)* kmfOgfG;

318

5 21

00

b'uf{ v*\sf

16842

0.01

8OG^/g]zgn *]enkd])^ a}+s ln=

299

8

1215

5

xfyj] Oge]i^d])^ g]kfn ln=

1098

90.

012

s'df/L a}+s ln=

295

8

800

0

?k]Gb| kf}*]n

35854

0.03

9leaf]/ lasf; a}+s ln=

250

0 20

000

b/jf/ :Sjfo/ OGe]i^d])^ k|f=ln=

800

00.

009

b]jM lasf; a}+s ln=

2455

800

0

;'Gb/ >]i&

7489

0.00

8oÒgfO^]* kmfOgfG; ln=

2,4

19.

7396

/fh]z pkfWofo

13860

0.01


221

0 13

860

OGb| clwsf/L

3376

0.00

4uÚx]Zj/L dr]{G^ a}+lsª P)* kmfOgfG;

218

4

3360

;+lutf s]=l;=

1100

00.

012

Unf]jn cfOPdO{ a}+s ln=

202

9 11

000

ladnf k|wfg

1162

90.

013

g]kfn a}+s ln=

202

5 11

629

/fd l/dfn

3325

0.00


201

1 33

25

>L/fd (sfn

1218

00.

013

l;$fy{ a}+s ln=

193

0 96

00

lht]Gb| a}w

3237

0.00

4;g/fO{h a}+s ln=

1848

3237

aGbgf zdf{

2558

0.00


163

7 25

58

lai)f' e)*f/L

22896

0.02


1,5

42

15425

;+:y

fks÷;

+:yfks ;

d"xs

f z]o/

wgLn

] cfkm\g

f] :j

fldTj

df /x

]sf] z]o/

cGo

a}+s

tyf ljQLo

;+:y

fdf lwtf

] /fv

L shf{ ln

Psf] ljj/

0f-@)&

$ ;

fn c

fiff9df;

fGt_

cg';

"rL #$


;+:y

fks÷;

+:yfks ;

d"x

cGt

u{t k

g]{ z

]o/wg

Lsf] gf

d

;+:y

fkssf] :j

fldTj

df sfo

d /

x]sf] z]o/

shf{ ljj/

0f

s}lkmo

ts"n lsQf

;+Vo

f+s'n r

'Qmf

k"FhLs

f]k|ltz

tshf{ ln

Psf] cGo

a}+s

tyf ljQLo

;+:y

fsf] gf

dshf{ /s

d?= =xh

f/df

lwtf

]df /x

]sf] z]o/

lsQf

;+Vo

f

sljtf v*\sf

492

20.

005

c/lgsf] *]enkd])^ a}+s ln=

151

7 37

51

l/tf ah|frfo{ u'efh'

6028

0.00


150

7 60

28

;ljg dxh{g

4889

0.00

5b]jM lasf; a}+s ln=

1435

4800

czf]s cu|jfn

18449

0.02

0lxdfnog a}+s ln=

136

0 13

600

uf} dftf OGe]i^d]G^ s+=k|f=ln=

1020

70.

011

sfi&d)*k *]enkd])^ a}+s ln=

128

0 10

107

gGb ltjf/L

2063

0.00


121

0 20

63

ho kf&s

1454

80.

016

glan a}+s ln=

120

6 12

067

;'lznf ldQn

1150

20.

012

l;$fy{ a}+s ln=

115

0 11

502

lai)f' e)*f/L

22896

0.02

5g]kfn qm]l*^ P)* sd;{ a}+s ln=

110

4

3000

ljsf; wf/]jf

7882

0.00

9nIdL a}+s ln=

110

4

5000

la/]Gb| a}w

1767

0.00

2;g/fO{h a}+s ln=

109

9 15

00

/fd s]= l;=

2005

0.00

2l;Gw' lasf; a}+s ln=

100

0 12

50

zf]ef s]=l;

2005

0.00

2l;Gw' lasf; a}+s ln=

100

012

50

lbk]; v]tfg

9720

0.01

1Pg Pd la a}+s ln=

890

400

0

k|Nxfb /]UdL

2496

0.00

3s'df/L a}+s ln=

855

24

96

/fh yfkf

2981

0.00

3;+flu|nf *]enkd])^ a}+s ln=

855

29

81

zfGtf /fd a:g]t

3851

0.00


847

1451

ljgo pkfWofo

2907

0.00

3nIdL a}+s ln=

838

19

95

ljgf]b h}g wf/]jf

3208

0.00

3nIdL a}+s ln=

779

32

08

k'hf cu|jfn v]tfg

9377

0.01

0nIdL a}+s ln=

777

77

78

;Gb]z (sfn

3851

0.00

4l;$fy{ a}+s ln=

765

38

51

;+hLj (sfn

3851

0.00

4l;$fy{ a}+s ln=

765

38

51

tfgf uf}td

9223

0.01

0n'DjLgL a}+s ln=

765

76

50

dw' e§/fO{

1207

0.00

1l/nfoan *]enkd])^ a}+s ln=

738

12

07

l;tf pk|]tL

400

00.

004

l;$fy{ a}+s ln=

730

400

0

r]tg k|wfg

3931

0.00

4g]kfn a}+s ln=

695

39

31

lgletf k|wfg

3931

0.00

4g]kfn a}+s ln=

695

39

31

k|sfz bjf*L

3450

0.00


660

24

81

;+:y

fks÷;

+:yfks ;

d"xs

f z]o/

wgLn

] cfkm\g

f] :j

fldTj

df /x

]sf] z]o/

cGo

a}+s

tyf ljQLo

;+:y

fdf lwtf

] /fv

L shf{ ln

Psf] ljj/

0f-@)&

$ ;

fn c

fiff9df;

fGt_

cg';

"rL #$


;+:y

fks÷;

+:yfks ;

d"x

cGt

u{t k

g]{ z

]o/wg

Lsf] gf

d

;+:y

fkssf] :j

fldTj

df sfo

d /

x]sf] z]o/

shf{ ljj/

0f

s}lkmo

ts"n lsQf

;+Vo

f+s'n r

'Qmf

k"FhLs

f]k|ltz

tshf{ ln

Psf] cGo

a}+s

tyf ljQLo

;+:y

fsf] gf

dshf{ /s

d?= =xh

f/df

lwtf

]df /x

]sf] z]o/

lsQf

;+Vo

f

lktfDj/ ;fksf]^f

1784

0.00

2s}nfz lasf; a}+s

651

17

84

zld{nf vgfn

1032

70.

011

lalhg]; oÒlge{;n *]enkd])^ a}+s ln=

643

6438

>L/fd (sfn

3851

0.00

4l;$fy{ a}+s ln=

634

38

51

;f]letf vqL

906

0.00

1glan a}+s ln=

600

90

0

!fg]Gb| k|wfg

7699

0.00

8g]kfn a}+s ln=

580

7699

clk{t cu|jfn

7018

0.00

8lxdfnog a}+s ln=

580

5800

;lsnf >]i&

2727

0.00

3glan a}+s ln=

532

22

62

a}s')& kf}*]n

1439

0.00

2sfi&d)*k *]enkd])^ a}+s ln=

525

14

39

P=P=P=Oge]i^d])^ k|f=ln=

402

84

0.04


522

52

24

k|]d ltjf/L

416

20.

005

cGgkÒ)f{ ;]leª P)* OGe]i^d])^

518

34

50

u?* OGe]i^d])^ P)* *]enkd])^ k|f=ln=

1201

0.00

1nIdL a}+s ln=

503

12

01

cldt sfo:y

3811

0.00


495

38

11

dw's/ nfld%fg]

2207

0.00

2nIdL a}+s ln=

480

1829

dgf]/df clwsf/L

3851

0.00


480

3192

k|sfz >]i&

2407

0.00

3glan a}+s ln=

469

19

96

gf/fo)f l;hfktL

1000

0.00

1s}nfz lasf; a}+s

460

10

00

gdf]a'$ OGe]i^d])^ k|f=ln=

1206

0.00

1d~hÚ>L kmfOgfgl;on

459

12

06

zld{nf vgfn

1032

70.

011

;flgdf a}+s ln=

450

23

59

lbks bxfn

121

0.00


400

10

0

xl/s[i)f ;fx

161

0.00


400

13

3

o'j/fh l;^f}nf

467

70.

005

l/nfoan *]enkd])^ a}+s ln=

387

3879

clnhf vgfn

5976

0.00

6cfO l; Pkm l; kmfOgfG; ln=

372

37

25

;'ldt vgfn

5976

0.00


372

37

25

l/t' /f)ff

2824

0.00

3uÚ*ljn kmfOgfG; ln=

347

2824

sGrg ;'j]bL

1086

0.00


325

10

86

cd[t clwsf/L

1206

0.00

1^'l/hd *]enkd])^ a}+s ln=

322

10

00

/lZdnf >]i&

1000

0.00

1c/lgsf] *]enkd])^ a}+s ln=

312

10

00

ho zf/bf

1621

0.00

2;]~rÚ/L sd{l;on a}+s ln=

296

16

21

;+:y

fks÷;

+:yfks ;

d"xs

f z]o/

wgLn

] cfkm\g

f] :j

fldTj

df /x

]sf] z]o/

cGo

a}+s

tyf ljQLo

;+:y

fdf lwtf

] /fv

L shf{ ln

Psf] ljj/

0f-@)&

$ ;

fn c

fiff9df;

fGt_

cg';

"rL #$


;+:y

fks÷;

+:yfks ;

d"x

cGt

u{t k

g]{ z

]o/wg

Lsf] gf

d

;+:y

fkssf] :j

fldTj

df sfo

d /

x]sf] z]o/

shf{ ljj/

0f

s}lkmo

ts"n lsQf

;+Vo

f+s'n r

'Qmf

k"FhLs

f]k|ltz

tshf{ ln

Psf] cGo

a}+s

tyf ljQLo

;+:y

fsf] gf

dshf{ /s

d?= =xh

f/df

lwtf

]df /x

]sf] z]o/

lsQf

;+Vo

f

zld{nf vgfn

1032

70.

011

l;$fy{ a}+s ln=

281

1530

s[i)f a'(fyf]sL

923

0.00

1o'lgs kmfOgfG; ln=

281

923

zfGtf >]i&

2532

0.00


254

432

zfGtf/fd a:g]t

3851

0.00


240

2400

u')f aGhf/f

1386

0.00

1gf/fol)f g]zgn kmfOgfG; ln=

225

900

gj/fh kf]v/]n

400

0.00


222

33

0

ch'{g a:g]t

650

0.00


205

65

0

l;tf e]^jfn

2412

0.00


200

20

00

ljz]Zj/ ;'j]bL

1950

0.00

2s}nfz lasf; a}+s

195

19

50

;'dg aflgof

2989

0.00

3OGkm|f:^«sr/ *]enkd])^ a}+s ln=

186

1864

lalgtf Gof}kfg] b]jsf]^f

603

0.00


184

603

k|s]z >]i&

2307

0.00

2s'df/L a}+s ln=

184

1844

;'dg aflgof

2989

0.00

3g]kfn qm]l*^ P)* sd;{ a}+s ln=

183

1125

;Gtf]if cfrf{o

497

0.00


170

497

lbks cu|jfn

1665

0.00

2s'df/L a}+s ln=

166

16

65

/fh]Gb| cdfTo

483

0.00


164

483

s[i)f k|;fb rsf^'

500

0.00


159

500

lblnk e)*f/L

431

0.00


155

431

led k|;fb kGt

480

0.00


153

480

g/]z ah|frfo{

2412

0.00


150

24

12

g/]z c^n

665

0.00

1nIdL a}+s ln=

141

665

;/f]h dxh{g

1161

0.00

1Pg Pd la a}+s ln=

140

1161

gGb zdf{

420

00.

005

hgtf a}+s ln=

138

35

00

ab|L clwsf/L

2151

0.00


134

13

41

;'lgn b]jsf]^f

400

0.00

0l/nfoG; kmfOgfG; ln=

119

400

sfdf]b emf

603

0.00


116

603

dl%Gb| sfsL{

369

0.00

0o'lgs kmfOgfG; ln=

111

36

9

ljdn e'sfh'

724

0.00


110

60

0

;+:y

fks÷;

+:yfks ;

d"xs

f z]o/

wgLn

] cfkm\g

f] :j

fldTj

df /x

]sf] z]o/

cGo

a}+s

tyf ljQLo

;+:y

fdf lwtf

] /fv

L shf{ ln

Psf] ljj/

0f-@)&

$ ;

fn c

fiff9df;

fGt_

cg';

"rL #$


;+:y

fks÷;

+:yfks ;

d"x

cGt

u{t k

g]{ z

]o/wg

Lsf] gf

d

;+:y

fkssf] :j

fldTj

df sfo

d /

x]sf] z]o/

shf{ ljj/

0f

s}lkmo

ts"n lsQf

;+Vo

f+s'n r

'Qmf

k"FhLs

f]k|ltz

tshf{ ln

Psf] cGo

a}+s

tyf ljQLo

;+:y

fsf] gf

dshf{ /s

d?= =xh

f/df

lwtf

]df /x

]sf] z]o/

lsQf

;+Vo

f

;'lgtf sfsL{

430

0.00


107

35

4

cd/ sfsL{

1266

0.00

1;flgdf a}+s ln=

105

10

50

xl/x/ vgfn

1275

0.00

1lalhg]; oÒlge{;n *]enkd])^ a}+s ln=

100

10

00

s]zj km'nf}/f

1330

0.00

1 OG^/g]zgn lnlhª P)* kmfOgfG; s+= ln=

100

33

0

s]zj km'nf}/f

1330

0.00

1glan a}+s ln=

100

10

00

/ljGb| e§/fO{

1206

0.00


100

10

00

/fds[i)f /fpt

2506

0.00

3l;$fy{ a}+s ln=

100

10

00

/lj cu|jfn

1000

0.00

1s'df/L a}+s ln=

100

10

00

zfGt dfgGw/

1206

0.00

1OGkm|f:^«sr/ *]enkd])^ a}+s ln=

100

10

00

g/]Gb| lji^

369

0.00


98

305

b]jL uf}td

1568

0.00

2l;$fy{ *]enkd])^ a}+s ln=

90

900

u')f aGhf/f

1386

0.00

1;g/fO{h a}+s ln=

88

486

k|bLk tfd|fsf/

582

0.00


88

515

/flwsf dxh{g

242

0.00


77

242

s[i)f cof{n

121

0.00


68

121

clbTo >]i&

797

0.00


66

660

goGb| af:tf]nf

650

0.00

1d]#f a}+s ln=

65

650

k|]d sfhL vfoh'

200

0.00


63

200

z+s/ k'*f;}gL

604

0.00


60

600

;'lhk >]i&

321

0.00

0s}nfz lasf; a}+s

58

321

;'ef; cu|jfn

684

0.00

1l;$fy{ a}+s ln=

56

566

a]i^ d]g]h OGe]i^d])^ k|f=ln=

971

0.00


50

500

a'$ >]i&

802

0.00


50

500

lbk]Gb| yklnof

603

0.00

1glan a}+s ln=

50

500

sdn kGyL

1888

0.00

2l;$fy{ a}+s ln=

50

1566

lgd{nf kf}*]n

603

0.00

1Ogkm|f:^«sr/ *]enkd])^ a}+s ln=

50

500

/fh' dxh{g

603

0.00


50

500

ljWof a:g]t

500

0.00


50

500

;+:y

fks÷;

+:yfks ;

d"xs

f z]o/

wgLn

] cfkm\g

f] :j

fldTj

df /x

]sf] z]o/

cGo

a}+s

tyf ljQLo

;+:y

fdf lwtf

] /fv

L shf{ ln

Psf] ljj/

0f-@)&

$ ;

fn c

fiff9df;

fGt_

cg';

"rL #$


;+:y

fks÷;

+:yfks ;

d"x

cGt

u{t k

g]{ z

]o/wg

Lsf] gf

d

;+:y

fkssf] :j

fldTj

df sfo

d /

x]sf] z]o/

shf{ ljj/

0f

s}lkmo

ts"n lsQf

;+Vo

f+s'n r

'Qmf

k"FhLs

f]k|ltz

tshf{ ln

Psf] cGo

a}+s

tyf ljQLo

;+:y

fsf] gf

dshf{ /s

d?= =xh

f/df

lwtf

]df /x

]sf] z]o/

lsQf

;+Vo

f

kbd e)*f/L

163

0.00


49

163

;'/h lzjfsf]^L

181

0.00

0Hof]tL lasf; a}+s ln=

49

150

gf/fo)f t)*'sf/

137

0.00


44

137

lhh; Gof%f]

483

0.00

1l;len a}+s ln=

40

400

b]jL kf)*]

121

0.00

0Ond ;]leª P)* qm]l*^ sf]ck/]l^e

39

121

uf}td clwsf/L

121

0.00


35

121

k+sh emf

422

0.00

0uÚx]Zj/L dr]{G^ a}+lsª P)* kmfOgfG; ln=

35

350

uf]kfn >]i&

460

0.00


30

300

/fh' afa' u'?é

362

0.00


30

300

;Gtf]if *+uf]n

420

0.00


26

265

/fh]Gb| vgfn

121

0.00

0l;$fy{ a}+s ln=

22

121

/fd k|;fb ladnL

321

0.00

0cGgkÒ)f{ ;]leª P)* OGe]i^d])^ s+= ln=

20

200

/d]; >]i&

161

0.00


20

133

l;$fy{ zfSo

242

0.00


20

200

s'zn x/hfgL

145

0.00


18

145

of]?k >]i&

621

0.00

1l;$fy{ a}+s ln=

12

50

nId)f Gof}kfg]

121

0.00


10

100

/flhj kf)*]

161

0.00


10

100

k|ldnf vltj*f

116

0.00


9

96

;'hg ;'j]bL

116

0.00


9

96

bn k'g

210.

0001

b]jM lasf; a}+s ln=

6

21

/fh]Gb| kf]v/]n

80

0.00

01cf]d *]enkd])^ a}+s ln=

6

66

;/:jtL sfsL{ lul/

198

0.00

02glan a}+s ln=

5

59

;+:y

fks÷;

+:yfks ;

d"xs

f z]o/

wgLn

] cfkm\g

f] :j

fldTj

df /x

]sf] z]o/

cGo

a}+s

tyf ljQLo

;+:y

fdf lwtf

] /fv

L shf{ ln

Psf] ljj/

0f-@)&

$ ;

fn c

fiff9df;

fGt_

cg';

"rL #$


qm=;= ljj/0f n]vf k/LIf0f k"j{n]vf k/LIf0f

kZrft\km/s km/s x'g'sf]

sf/0f/sd Ü df! hDdf k"FhL / bfloTj -!=! — !=&_ !,%@,*%,&$,)& !,%@,*&,&!,)# -!,(^,(^_ )Ü

!=!

!=@

!=#

!=$

!=%

!=^

!=&

r'Qmf k"FhL

hu]8f k"FhL

C0fkq / a08

;fk6L

lgIf]k -s±v_

s= :yfgLo d'b|f

v= ljb]zL d'b|f

cfos/ bfloTj

cGo bfloTj

(,@$,)#,&(

!!,&*,)!,^&

!,%%,)),))

@$,!#,@$

!,@%,^^,(#,%%

!,!$,(@,#@,*^

!),&$,^),^(

–

$,#&,^!,*@

!),^@,^$,#^

*,)*,!$,$*

!,%%,)),))

@$,!#,@$

!,@%,^^,(#,%%

!,!$,(@,#@,*^

!),&$,^),^(

–

^,&),*%,$)

-!,#*,^),%&_

#,^(,*&,!(

–

–

–

–

–

–

-@,##,@#,%*_

–!%Ü

#!Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

–%#Ü

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

gf=gf]= afF8kmfF8df

;dfof]hg ugf{n]

gf=gf]= afF8kmfF8df

;dfof]hg ugf{n]

@ hDdf ;DklQ -@=! — @=&_ !,%@,*%,&$,)& !,%@,*&,&!,)# !,(^,(^ )Ü

@=!@=@@=#@=$

@=%@=^@=&

gub / a}+s df}Hbftdfu tyf cNk ;"rgfdf k|fKt x'g] /sdnufgLshf{ tyf ;fk6 -s±v±u±3±ª±r_-s_ l/on :6]6 shf{

!= cfjf;Lo 3/ shf{ -?=! s/f]8;Dd JolQmut 3/shf{afx]s_

@= Jofj;flos ejg tyf cfjf;Lo ckf6{d]06 lgdf{0f shf{

#= Jofj;flos sDKn]S; shf{ -cfo cfh{g x'g]_

$= cGo l/on l:6]6 shf{ -Knl6Ë tyf hUuf vl/b_

-v_ 3/ lgdf{0f shf{ -?= ! s/f]8 jf ;f]eGbf sd_-u_ dflh{g shf{-3_ cfjlws shf{-ª_ cf]e/ 8«fkm\6 shf{ (TR Loan / WC loan)-r_ cGol:y/ ;DklQu}/a+}lsË ;DklQcGo ;DklQ

!&,*(,&%,()

$,)),))

@%,^!,%^,$%

!,)^,^*,#*,&&

%,&%,^!,*%

$$*)%(

!,^%,^*,)!

*),@$,^)

@,*$,**,^%

@,!!,*%,%@

!,^*,@(,)^

@*,*%,%$,$%

%%,(#,#$,!@

!@,##,&#,&&

!,@&,$*,(&

–

!,#$,%#,(&

!&,*(,&%,()

$,)),))

@%,^!,%^,$%

!,)^,^*,#*,&&

%,&%,^!,*%

$$,*),%(

!,^%,^*,)!

*),@$,^)

@,*$,**,^%

@,!!,*%,%@

!,^*,@(,)^

@*,*%,%$,$%

%%,(#,#$,!@

!@,##,&#,&&

!,#),$#,)%

–

!,##,%^,*%

–

–

–

–

–

–

–

–

–

–

–

–

–

–

-@,($,)*_

–

(&,!@

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

)Ü

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–@Ü

)Ü

!Ü

n]vf kl/If0fsf] qmddf ePsf] ;dfof]hg

n]vf kl/If0fsf] qmddf ePsf] ;dfof]hg

# gfkmf gf]S;fg lx;fa#=!

#=@Aofh cfDbfgLAofh vr{

(,@$,*^,((-$,$^,$%,%@_

(,@$,*^,((-$,$^,$%,%@_

–

–

)Ü

)Ü

-s_ v"b Aofh cfDbfgL -#=! ± #=@_ $,&*,$!,$& $,&*,$!,$& – )Ü

#=##=$#=%

lkm, sld;g / l8:sfpG6cGo ;+rfng cfDbfgL;6xL 36a9af6 gfkmf÷gf]S;fg -v"b_

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

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

–

–

–

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DISCLOSURE UNDER BASEL III1. Capital Structure & Capital AdequacyAs at Ashad end 2074Core Capital (Tier I) 18,115,417,763 Paid up Equity Share Capital 9,240,378,865 Share Premium 1,718,454,020 Proposed Bonus Equity Shares 1,386,056,830 Statutory General Reserves 4,053,194,895 Retained Earnings upto Previous Year 272,327,511 Unaudited current year cumulative pro t - Acquisition Reserve 710,110,135 Debenture Redemption Reserve 907,142,855 Capital Adjustment Reserve 129,199,207 Less : Intangible Assets (62,413,955)Less. Investment in equity of institutions with nancial interests (209,638,600)Less. Investment in equity of institutions in excess of limits -Less: Other deduction (29,394,000)

Supplementary Capital (Tier 2) 2,251,785,097 Subordinated Term Debt 1,550,000,000 Less : 20% discount value to 5YTM Bond/ Debenture (650,000,000)General loan loss provision 1,060,765,319 Exchange Equalization Reserve 76,732,730 Investment Adjustment Reserve 171,356,420 Other Reserves 42,930,628 Total Capital Fund (Tier I and Tier II) 20,367,202,860

Total 907,142,855 1,550,000,000 Deductions from Capital20% Discount value to 5 YTM Debenture (650,000,000)Total Qualifying Capital 900,000,000

12% Debenture of Rs. 1000 each issued on 13-07-2011(29-03-2068) and Maturing on 12-07-2018(28-03-2075)

300,000,000

Outstanding balance of Redemption Reserve 300,000,000

8% Debenture of Rs.1000 each issued on 27-07-2014(2071-04-11) and Maturing on 26-07-2021(2078-04-10)

750,000,000


8% Debenture of Rs.1000 each issued on 21-07-2013(2070-04-06) and Maturing On 20-07-2020(2077-04-05)

500,000,000


Information about Subordinated Term Debts

Amount in NPR


Tier I Capital to Total Risk Weighted Exposure 11.58%Capital Adequacy Ratio (Tier I and Tier II to Total Risk Weighted Exposure) 13.02%

Summary of the Banks internal approach to assess the adequacy of its capital to support current & future activities: - Regular monitoring by the Internal Audit & Compliance Department- Periodic supervision by the Top Management

Features of Subordinated Term Debts (Debenture)

-Fixed Maturity period of 7 Years-Interest payment half yearly-At the time of liquidation rights of claim will be only after depositors-Listed with Nepal Stock Exchange Ltd.-Redeemable and non convertible

2.Risk Exposures

Particulars Risk Weighted Exposure

a.Claims on government & central bank - b.Claims on other of cial entities - c.Claims on banks 5,019,054,007 d.Claims on corporate & securities rms 84,954,121,570 e.Claims on regulatory retail portfolio 3,740,527,942 f. Claims secured by residential properties 1,247,492,193 g.Claims secured by commercial real state 4,301,975,000 h.Past due claims 450,979,637 i.High risk claims 11,711,051,720 j.Other assets 3,168,721,484 k.Off balance sheet items 29,835,139,412 Total 144,429,062,964

RISK WEIGHTED EXPOSURES Current Period

Risk Weighted Exposure for Credit Risk 144,429,062,964 Risk Weighted Exposure for Operational Risk 6,894,046,656 Risk Weighted Exposure for Market Risk 447,659,247 Add:2% of the total RWE As Per NRB Instruction 3,035,415,377 Add:3% Capital Charge For Operational Risk 1,642,275,882 Total Risk Weighted Exposures 156,448,460,126

Amount in NPR

Risk Weighted exposure under each of 11 categories of Credit Risk


Category Gross Provision Net Substandard 74,058,004 18,514,501 55,543,503 Doubtful 188,405,640 29,977,660 158,427,981 Loss 625,697,712 564,148,052 61,549,660 Total 888,161,357 612,640,213 275,521,144

Amount of NPA’s Amount in NPR

NPA RatioGross NPA to Gross Advances 0.83%Net NPA to Net Advances 0.26%

Particulars Opening Balance Closing Balance Movement

Non Performing Loan 592,992,656 888,161,357 295,168,701 1 Substandard 19,151,212 74,058,004 54,906,792 2 Doubtful 13,610,954 188,405,640 174,794,686 3 Loss 560,230,490 625,697,712 65,467,222

Movement of NPA Amount in NPR

Particulars Loan Amount Interest Suspense Provision write back

Total Loan Write Off - - -

Write off of Loans & Interest Suspense: Amount in NPR


Interest Suspense 408,100,713 594,515,755 186,415,042

Interest Suspense Amount in NPR


Total Loan Loss Provision 1,548,740,997 2,059,069,281 510,328,284

Details of Additional Loan Loss Provision Amount in NPR

Particulars Opening Balance Closing Balance Movement Loan Loss Provision 1. Pass 828,897,715 1,060,810,276 2. Watch List 148,019,512 255,890,856 107,871,344 3. Substandard 4,787,803 18,514,501 13,726,698 4. Doubtful 6,805,477 94,700,174 87,894,697 5. Loss 560,230,490 625,697,712 65,467,222 6. PG & Th ird Party Collateral - 3,455,762 3,455,762 Total Loan Loss Provision 1,548,740,997 2,059,069,281 510,328,284

Movement of Loan Loss Provision & Interest Suspense Amount in NPR


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3. Risk Management ProcessNepal Investment Bank has tailored its risk management program to its needs and circumstances. Regardless of the risk management program design, each program should cover: Risk identifi cation In order to properly manage risks, an institution must recognize and understand risks that may arise from both existing and new business initiatives; for example, risks inherent in lending activity include credit, liquidity, interest rate and operational risks. Risk identifi cation should be a continuing process, and should be understood at both the transaction and portfolio levels. Risk Measurement Once risks have been identifi ed, they should be measured in order to determine their impact on the banking institution’s profi tability and capital. Th is can be done using various simple models. Accurate and timely measurement of risk is essential to eff ective risk management systems. An institution that does not have a risk measurement system has limited ability to control or monitor risk levels. Banking institutions should periodically test their risk measurement tools to make sure they are accurate. Good risk measurement systems assess the risks of both individual transactions and portfolios.Risk Monitoring Institutions should put in place an eff ective management information system (MIS) to monitor risk levels and facilitate timely review of risk positions and exceptions. Monitoring reports should be frequent, timely, accurate, and informative and should be distributed to appropriate individuals to ensure action, when needed. Risk Control Aft er measuring risk, an institution should establish and communicate risk limits through policies, standards, and procedures that defi ne responsibility and authority. Th ese limits should serve as a means to control exposure to various risks associated with the banking institution’s activities. Institutions may also apply various mitigating tools in minimizing exposure to various risks. Institutions should have a process to authorize and document Exceptions or changes to risk limits when warranted. A sound risk management system should have the following elements:

• Active board and senior management oversight; (BMO) • Adequate policies, procedures and limits; (PPL) • Adequate risk measurement, monitoring and management information system (MIS);and• Comprehensive internal controls. (ICs)

Active Board and Senior Management OversightBoards of directors have ultimate responsibility for the level of risk taken by Nepal Investment Bank Limited. Accordingly, they should approve the overall business strategies and signifi cant policies of NIBL, including those related to managing and taking risks, and should also ensure that senior management is fully capable of managing the activities that NIBL undertake. While all boards of directors are responsible for understanding the nature of the risks signifi cant to NIBL and for ensuring that management is taking the steps necessary to identify, measure, monitor, and control these risks.

Senior management is responsible for implementing strategies in a manner that limits risks associated with each strategy and that ensures compliance with laws and regulations on both a long-term and day-to-day basis. Accordingly, management should be fully involved in the activities of NIBL and possess suffi cient knowledge of all major business lines to ensure that appropriate policies, controls, and risk


monitoring systems are in place and that accountability and lines of authority are clearly delineated. Senior management is also responsible for establishing and communicating a strong awareness of and need for eff ective internal controls and high ethical standards. Strategies and ProcessesCredit risk process is a joint eff ort between its marketing and credit areas. Relationship managers and account offi cers on one hand, and the credit offi cers on the other are engaged in analyzing inherent risks in the customer’s business, ability to repay and structure a facility that simultaneously accommodates the fi nancing needs, while assuring seniority, protection and control of the Bank’s assets and collateral.Th e Structure and Organization of the Relevant Risk Management FunctionTh e Board of Directors (BOD) is the ultimate authority in the decision making process. Th e process, however, is initiated at the business unit offi cers / business unit heads / ALCO level, Risk Management department and goes through the Chief Executive Offi cer, Risk management committee and the BOD. Th e risk management stops at diff erent levels depending on the Bank’s policy relating to approval discretions. Further policy manuals on credit, asset liability, information technology & operations are also available to guide the staff on day to day business.Th e Scope and Nature of Risk Reporting and / or Measurement SystemsRisk reporting / measurement system is done through regular customer interactions, site inspections & annual reviews. Th ese are continuous processes. Further, quarterly review of the bank’s performance is conducted every quarter and fi ndings reported to the BOD.Policies for Hedging and / or mitigating risk and Strategies, and processes for monitoring the continuing eff ectiveness of hedges / mitigantsPolicies for mitigating risks & strategies are as outlined in the respective manuals and as discussed at various levels aft er customer interactions / visits, during annual reviews, quarterly reviews and at meetings at various levels.Types of Eligible credit risk mitigants used and the benefi ts availed under CRM:

Particulars Eligible CRM

Deposits with Bank 2,666,729,477

Deposits with other banks/FI -

Gold 40,190,000

Govt. & NRB Securities 3,678,971

Government Guarantee 379,595,278

Sec/G’tee of Foreign Banks 7,332,715,861

Total 10,422,909,587



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4,14,48,082,87,58,3680,00,0031,05,66

62,42,88,4528,88

94,20,02—

1,64,72,09

4,76,87,143,15,67,641,05,00,0042,43,40

73,83,13,762,66

1,03,66,77—

1,90,57,90

6,34,57,013,46,12,521,55,00,0026,31,16

90,63,14,872,15

8,28,68—

2,01,07,98

8,70,66,127,58,11,401,55,00,0025,04,80

1,08,62,66,4213,93,15

1,52,36,57—

1,40,48,60

10,62,64,368,08,14,481,55,00,0024,13,24

1,25,66,93,5514,38,62

2,31,00,95—

2,19,55,13

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

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2,17,29,858,75,25,912,32,65,1226,74,00

11,43,52,6846,40,00,541,06,88,37

—

72,85,08

2,17,07,6812,65,29,371,92,10,0623,23,75

15,38,35,2952,01,97,651,05,83,13

—

73,52,34

2,66,09,388,99,28,392,66,12,71

—

21,46,25,8866,21,92,321,05,41,32

—

1,29,44,37

2,28,58,007,76,73,232,97,27,0914,93,80

29,22,67,6285,46,10,511,05,04,46

—

86,92,35

2,47,82,1611,38,25,134,03,68,614,00,00

25,61,56,451,04,62,48,08

1,30,43,05—

1,33,56,85

hDdf ;DklQ &#,!%,@!,%% *^,!&,#(,@* !,)$,#$,%$,#^ !,@(,&*,#&,)% !,%),*!,*),#$

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!= Aofh cfDbfgL@= Aofh vr{s'n Aofh cfDbfgL#= sldzg tyf 5"6$= cGo ;+rfng cfDbfgL%= ;6xL gfkmfhDdf ;+rfng cfDbfgL^= sd{rf/L vr{&= cGo ;+rfng vr{*= ;6xL 3f6f;Defljt hf]lvd Joj:yf cl3sf];+rfng gfkmf(= ;Defljt hf]lvd Joj:yf;+rfng gfkmf!)= u}/ ;+rfng gfkmf÷3f6f!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{lgoldt ;+rfngaf6 gfkmf!@= c;fdfGo sf/f]af/x?af6 ePsf] gfkmf÷-3f6f_;Dk"0f{ lqmofsnfk kl5sf] gfkmf!#= sd{rf/L af]g; Joj:yf!$= cfos/ Joj:yf

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5,86,58,40-2,77,47,88_

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s= sf/f]af/ ;+rfngaf6 gub k|jfx &%,*^,$)%,)%@ -%,&),)$,#&,*))_!= gub k|fKtL !!,)%,@%,#*,@(^ *,)&,*^,%$,!^&

!=! Aofh cfDbfgL (,)(,$(,@$,)^! ^,%&,@#,&&,&((

!=@ sldzg tyf l8:sfp06 cfDbfgL *!,^$,#*,#@! %(,%#,!@,%*(

!=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL ^@,!$,#!,%() %#,#@,^$,(@*

!=$ ckn]lvt shf{sf] c;'nL @,$!,$),@)) #,&*,^@&

!=% cGo cfDbfgL $(,%^,)$,!@$ #&,&#,@),@@$@= gub e'QmfgL -&,!!,)^,)%,@!%_ -%,)(,**,^(,*#@_

@=! Aofh vr{ -$,#$,##,(&,%(@_ -@,*!,)%,%),))(_

@=@ sd{rf/L vr{ -^(,*),*#,#*#_ -%(,)*,&^,@@*_

@=# sfof{no ;+rfng vr{ -%&,*^,&!,(!*_ -%@,&(,^*,&)@_

@=$ cfos/ e'QmfgL -!,$&,%%,)&,!!)_ -!,!^,^$,%*,#(%_@=% cGo vr{ -!,$(,$%,@!@_ -#),!^,$(*_

sfo{ut k"FhL (Working Capital) ultljlw cl3sf] gub k|jfx;+rfng;DaGwL rfn' ;DklQdf sdL÷-a[l4_

#,($,!(,##,)*!

-*,)),!*,&$,##@_

!),(#,*),)))

@,(&,(&,*$,##%-@%,(#,*&,*^,@%&_

-!$,(#,*),)))_!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-a[l4_

@= cGo cNksflns nufgLdf sdL÷-a[l4_ !!,%^,&*,%^,%^^ -&,)*,*$,#$,!%$_

#= shf{ tyf laN; vl/bdf sdL÷-a[l4_ -!(,#$,)@,@^,@$$_ -!(,)&,%&,%#,%@#_$= cGo ;DklQdf sdL÷-a[l4_ -##,**,*$,^%$_ #&,$&,*!,$!(

;+rfng;DaGwL rfn' bfloTjdf -sdL_÷a[l4!= lgIf]k bfloTjdf -sdL_÷a[l4

@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4

!!,^$,^#,$^,#)#

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

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

– –

#= cNksflns ;fk6Ldf -sdL_÷a[l4 -(!,%%,@(^_ -!,@^,#^,&)@_$= cGo bfloTjdf -sdL_÷a[l4 -%,@&,^),(@,&)*_ -^(,$@,@!,)^$_

-v_ nufgL sf/f]af/df gub k|jfx!= bL3{sflns nufgLdf sdL÷-a[l4_

-*,$#,*&,)@,)&!_

-*,)$,$@,(),((!_

-*),)),%$,)$^_-^^,%&,(@,*))_

@= l:y/ ;DklQdf sdL÷-a[l4_ -$#,(!,^%,)!!_ -!$,%%,)@,%!*_

#= bL3{sflns nufgLdf Aofh cfDbfgL – –$= nfef+z cfDbfgL $,$&,%#,(#! !,!@,$!,@&@

-u_ ljQLo ;|f]t sf/f]af/af6 gub k|jfx!= bL3{sflns C0f -a08, l8a]Gr/ cflb_ df a[l4÷-sdL_

-!,@(,@%,*&,)%#_$,&@,%),)))

%,)*,&(,*^,#%^–

@= z]o/ k"FhLdf a[l4÷-sdL_ $,)#,)),&$) (),(*,)(,!$%#= z]o/ lk|ldoddf a[l4÷-sdL_ – $,%$,#&,^#,#**$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'gMshf{df a[l4÷-sdL_ – –%= nfef+z vr{ -!,#*,)!,#&,&(#_ -#^,%%,*^,!&&_

-3_ k|fKtL sfo{af6 ePsf] gub k|jfx !,%^,&^,!@,(*)!,%^,&^,!@,(*) ––

-ª_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ !,%^,&^,!@,(*)!,%^,&^,!@,(*) ––

-r_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx -%&,&@,&!,)(#_ -!,$!,@%,)%,$()_-5_ gub tyf a}+sdf /x]sf] z'¿ df}Hbft !&,@&,&),((,@%( !*,^*,(^,)$,&$(-h_ gub tyf a}+sdf /x]sf] clGtd df}Hbft !(,&#,%(,&$,@^& !&,@&,&),((,@%(


PsLs[t OlSj6Ldf ePsf]@)&# ;fn >fj0f ! ut]b]lv

-h'nfO{ !^, @)!^ b]lv

ljj/0f z]o/ k"FhL;l~rtgf=gf]=

;fwf/0fhu]8f sf]if

z]o/lk|ldod

;6xL 36a8sf]if

z'? df}Hbft *,&),^^,!!,&^) #!,^),$@,%^( #,@),%*,@*,&)# #,!),$%,!),*%) &,$$,)%,%(^

cl3Nnf] jif{sf] ;dfof]hg

;DklQ ;dfof]hg hu]8f

nufgL ;dfof]hg hu]8f

d'b|f ;6xLdf km/s

v"b gfkmf gf]S;fg

cfjlws v"b gfkmf

;fwf/0f hu]8f s]fifdf /sdfGt/

hf/L z]o/ k"FhL

vl08t z]o/jfkt hf/L z]o/ k"FhL

k|:tfljt nfef+z

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

d'b|f ;6xL 36a9 sf]ifdf /sdfGt/

k"FhL ;dfof]hg sf]ifdf /sdfGt/

k"FhL ;dfof]hg sf]ifaf6 lkmtf{

C0fkq e'QmfgL sf]ifaf6 lkmtf{

C0fkq e'QmfgL sf]ifdf /sdfGt/

nufgL ;dfof]hg sf]if

z]o/ lk|ldodaf6 /sdfGt/

k|fKtL af6 yk

sd{rf/L tflnd sf]ifaf6 /sdfGt/

CSR km08 af6 /sdfGt/

–

–

–

–

–

–

–

$,)#,)),&$)

–

–

!,#*,^),%^,*#)

–

–

–

–

–

–

–

$(,#$,^^,#^%

–

–

–

–

–

–

–

#,@%,@@,*@,#^#

-^@,@*,@^,@@*_

–

–

-@,##,)#,($,&!&_

-!,#*,^),%^,*#)_

-(,#*,(**_

-@,&*,%^,^&%_

–

-@@,!$,@*,%&)_

–

–

!,#*,^),%^,*#)

!@,%(,)),^^&

–

-#,!!,$!,#!@_

–

–

–

–

–

–

^@,@*,@^,@@*

–

–

–

–

–

–

–

–

–

–

–

@@,$%,#(,(^$

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

-!,#*,^),%^,*#)_

–

–

–

–

–

–

–

–

–

–

–

–

–

–

(,#*,(**

–

–

–

–

–

–

!#,**,!$^

–

–

clGtd df}Hbft !),^@,^$,#%,^(% $%,(^,#(,!)( $,)%,#!,($,*(% !,&!,*$,%$,)@) &,^&,#@,&#)


kl/jt{g;DaGwL ljj/0f@)&$ cfiff9 #! ut];Ddh'nfO{ !%, @)!&_ ;Ddsf]

cGo hu]8ftyf sf]if

C0fkqe'QmfgL sf]if

kF"hL;dfof]hg sf]if

nufgL;dfof]hg

sf]ifk|fKtL hu]8f

sd{rf/Ltflnd sf]if

CSR km08 s'n /sd

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

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

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

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

@,&*,%^,^&%

–

–

–

–

^^,%@,^#!

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

!&,&(,%(@

–

–

–

–

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–

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–

–

–

–

–

–

–

–

–

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&!,)!,!),!#%

–

–

–

–

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–

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@),)*,#$@

*!,*@,##^

–

–

–

–

–

–

–

–

–

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–

–

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!%,^&,!#*

–

#,!!,$!,#!@

–

–

–

–

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#,@%,@@,*@,#^#

–

$,)#,)),&$)

–

-@,##,)#,($,&!&_

–

–

–

–

–

–

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

*!,*@,##^

–

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


!= ;fdfGo hfgsf/L

s_ g]kfn OG8f]:j]h a}+s lnld6]8, xfnsf] g]kfn OGe]i6d]06 a}+s lnld6]8 k|]mGr tyf g]kfnL nufgLstf{sf] ;+o'Qm nufgLdf ;g\ !(*^ df tTsfnLg sDkgL P]g, @)@! cg';f/ ;+:yfkg ePsf] a}+s xf] . pQm g]kfn OG8f]:j]h a}+s lnld6]8df ljZjs} 7"nf] a}+lsË ;d"xsf] ;xfos sDkgL æqm]l86 Pu|Lsf]n OG8f]:j]h a}+s sf] %)Ü kF"hL nufgL lyof] . ;g\ @))@, clk|ndf q]ml86 Pu|Lsf]n OG8f]:j]hn] o; a}+sdf ePsf] cfkm\gf] ;Dk"0f{ nufgL las|L ug]{ lg0f{okZrft\ a}+s/, k]zfsdL{, pBf]uL tyf Joj;foL ;lDdlnt g]kfnL sDkgLx?sf] ;d"xn] qm]l86 Pu|Lsf]n OG8f]:j]hsf] ;Dk"0f{ nufgL v/Lb u¥of] . tTkZrft\ g]kfn /fi6« a}+s, sDkgL /lhi6«f/ tyf a}+ss} ;fwf/0f ;efaf6 :jLs[lt lnO{ a}+ssf] gfd æg]kfn OGe]i6d]06 a}+s lnld6]8Æ df kl/jt{g ul/of] .

v_ ;dLIff jif{df a}+sn] P:f 8]enkd]06 a}+s ln= -g]kfn /fi6« a}+saf6 …vÚ ju{sf] Ohfhtkq k|fKt ;+:yf_ nfO{ k|fKtL u/]sf] 5 . P; 8]enkd]06 a}+s ln= sf z]o/wgLx?nfO{ To; a}+sdf /x]sf] k|lt !)) lsQf z]o/ a/fa/ o; a}+ssf] $! lsQf z]o/ k|bfg ul/Psf] 5 . k|fKtL ug]{ ;Demf}tfnfO{ ldlt @)&#÷!@÷@% df a;]sf] b'j} ;+:yfsf] ljz]if ;fwf/0f;efn] cg'df]bg u/]sf] lyof] . ;fy} g]kfn /fi6« a}+s / sDkgL /lhi6«f/ sfof{noaf6 ldlt @)&$÷)#÷)! / @)&$÷)#÷@) df k|fKtL ug]{ clGtd :jLs[tL k|fKt ePsf] lyof] . n]vf lx;fa lstfanfO{ ;dfof]hg u/L ldlt @)&$÷)#÷@( af6 Plss[t sf/f]af/ z'? ePsf] lyof] .

u_ g]kfn OGe]i6d]06 a}+s, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cGtu{t æsÆ ju{sf] Ohfhtkq k|fKt a}+s xf] . o;sf] s]Gb|Lo sfof{no b/af/dfu{, sf7df8f}Fdf cjl:yt 5 .

3_ a}+ssf] ;fwf/0f z]o/ ;fj{hlgs v/Lb laqmLsf nflu g]kfn :6s PS:r]Gh ln= df ;"rLs[t 5 .

@= PsLs[t ljQLo ljj/0f M

a}+ssf] PsLs[t ljQLo ljj/0fdf a}+s tyf a}+ssf] ;xfos sDkgLx?sf] ljQLo ljj/0f ;dfj]z ul/Psf] 5 . ;xfos

sDkgLx?sf] cfly{s jif{ klg d'Vo sDkgLsf] cfly{s jif{;Fu ;dfg /x]sf] 5 . ;xfos sDkgLx? PgcfOlaPn

Soflk6n dfs]{6;\ ln= tyf P; Soflk6n lnld6]8 d'Vo sDkgL g]kfn OGe]i6d]06 a}+s lnld6]8sf ztk|ltzt

;xfos sDkgLx? (100% Subsidiary) x'g\ .

#= cg'kfng;DaGwL k|lta4tf M

;d"xsf] PsLs[t ljQLo ljj/0f tyf a}+ssf] 5'§} ljQLo ljj/0fx¿ ;j{dfGo n]vf l;4fGt, g]kfn n]vfdfg af]8{n]

hf/L u/]sf] g]kfn n]vfdfg dfkb08, sDkgL P]g, @)^#, a}+s tyf ljQLo ;+:yf;DaGwL P]g, @)&# / g]kfn /fi6«

a}+ssf] lgb]{zgnfO{ ;d]t cfwf/ dfgL tof/ kfl/Psf 5g\ . oL cfly{s ljj/0fx? NFRS adf]lhd tof/ kfl/Psf 5}gg\, h'g g]kfn rf68{ Psfp06]06 ;+:yf 4f/f cf=j= @)&@÷)&# b]lv nfu' ul/Psf] 5 .

$= ljj/0f PsLs[t ug]{ cfwf/ M

of] ;d"xsf] PsLs[t ljQLo ljj/0fdf a}+ssf] / a}ssf] ;xfos sDkgLx? PgcfOlaPn Soflk6n ln= tyf P;

Soflk6n ln=sf ljQLo ljj/0fx? PsLs[t u/LPsf 5g\ .

;xfos sDkgL To:tf] xf] h;nfO{ csf]{ ;+:yfn] (known as the parent) lgoGq0f ub{5 . lgoGq0f

Tolta]nf ljBdfg x'G5, ha s'g} klg lgsfon] k|ToIf jf ck|ToIf ?kdf cfly{s tyf ;+rfng gLlt nfu' ug{ ;Sg]

clwsf/ ljBdfg /x]sf] cj:yfb]lv To:tf] clwsf/ ;dfKt geP;Dd /xG5 .

PsLs[t n]vf;DaGwL dxTjk"0f{ gLlt tyf l6Kk0fLx?


PsLs[t ljQLo ljj/0f cGt/fli6«o n]vfdfgsf] dfkb08 – @& æPsLs[t tyf 5'§} ljQLo ljj/0fÆ cg'?k tof/

kfl/Psf] 5 . PsLs[t ljQLo ljj/0f tof/ kfg]{ qmddf ljQLo ljj/0fdf pNn]v ul/Psf k|To]s zLif{s cGtu{tsf

;dfg k|s[ltsf ;DklQ, bfloTj, h]yf, cfDbfgL tyf vr{x? hf]8L ;+of]hg ul/Psf] 5 .

%= Plss/0fdf sf/f]af/ x6fOPsf]

cGt/–sDkgL sf/f]af/af6 l;lh{t df}Hbft, cfDbfgL tyf vr{ / cjf:tljs gfkmf÷gf]S;fg x6fOPsf] 5 .

^= ljut jif{sf tYofÍx?M

t'ngf ug{ ;lhnf]sf] nflu cfjZostf cg';f/ ljut jif{sf tYofÍx?nfO{ jlu{s/0f jf k'gj{lu{s/0f ul/Psf]

5 .

l6Kk0fLx? M

!= ;xfos sDkgLx?df nufgL

a}+sn] dr]{G6 a}+lsË Joj;fo ug{sf nflu ?= %) s/f]8sf] clws[t k"FhL / ?=!$ s/f]8 %) nfvsf] hf/L k"FhL /xg] u/L PgcfO{aLPn Soflk6n dfs]{6\; lnld6]8 gfds Ps ;xfos sDkgL :yfkgf u/]sf] 5 . hf/L k"FhL dWo] &) k|ltzt -?=!) s/f]8 !% nfv_ df a}+ssf] nufgL /x]sf] 5 eg] afFsL #) k|ltzt ;j{;fwf/0fsf nflu 5'§ofOPsf] 5 . pQm ;xfos sDkgLsf] sfo{If]q dr]{G6 a}+lsË, lgIf]k ;xeflutf -l8kf]lh6/L kfl6{l;k]G6_, Do"Ro"cn km08, k|fOe]6 OlSj6L tyf k/fdz{ ;]jf cflb /x]sf] 5 . ;xfos sDkgLn] cf=j= @)&#÷&$ df ?= !)=)* s/f]8 v"b d'gfkmf u/]sf] 5 . cl3Nnf] cf=j= df v"b gfkmf ?= %=@$ s/]f8 /x]sf] lyof] . sDkgLn] o; jif{ r'Qmf k"FhLsf] (& k|ltzt af]g; z]o/ tyf @% k|ltzt gub nfef+z 3f]if0ff u/]sf] 5 .

P; 8]enkd]06 a}+sn] &,)),))) lsQf z]o/ k|ltz]o/ ?= !)) sf b/n] P; Soflk6n ln= df dr]{06 a}+lsË sfo{ ug{ nufgL u/]sf] lyof] . P; Sofkl6n ln= P; 8]enkd]06 a}+ssf] !))Ü ;xfos sDkgL lyof] . P; 8]enkd]06 a}+snfO{ g]kfn OGe]06d]06 a}+sn] k|fKtL u/]kl5 pQm sDkgL a}+ssf] !))Ü ;xfos sDkgL ePsf] 5 . cf=j= @)&#÷)&$ df P; Soflk6n ln= n] ?= #=&@ s/f]8 v'b d'gfkmf cfh{g u/]sf] 5 . cl3Nnf] jif{df v"b gfkmf )=(! s/f]8 lyof] . P; Soflk6n ln= n] ;+lrt d'gfkmfaf6 o; jif{ r'Qmf

k"FhLsf] %@ k|ltzt gub nfef+z 3f]if0ff u/]sf] 5 .

@_ d'Vo sDkgL / ;xfos sDkgLsf] v"b gfkmf o; k|sf/ /x]sf] 5 M

g]kfn OGe]i6d]06 a}+s ln= ?= #,!!,$!,#!,!$)

PgcfOlaPn Soflk6n dfs]{6;\ ln= ?= !),)*,&#,&$&

P; Soflk6n ln= ?= #,&@,&&,$&^

;d"xsf] v"b gfkmf ?= #,@%,@@,*@,#^#

#_ d'Vo sDkgL / ;xfos sDkgLsf] :yug s/ bfloTj÷-;DklQ_ o; k|sf/ /x]sf] 5 M

:yug s/ g]kfn OGe]i6d]06 a}+s lnld6]8 ?= &),!$,(^! PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8 ?= (@,(%) P; Soflk6n ln= ?= -$$,@&%_ ;d"xsf] s'n :yug s/ cfDbfgL ?= &),^#,^#^


$_ ;DalGwt ;+:yfaLr ePsf] sf/f]af/ -Related Party Disclosure_s_ PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8sf] cfly{s jif{ @)&#÷&$ sf] cGTodf g]kfn OGe]i6d]06

a}+ssf] ljleGg vftfx?df ? !=## s/f]8 ?k}ofF lgIf]k /x]sf] 5 . o; jif{ a}+sn] pQm vftfx?df ?= @=#$ s/f]8 Aofh k|bfg u/]sf] 5 . To;} u/L P; Soflk6n ln= sf]] cfly{s jif{ @)&#÷&$ sf] cGTodf g]kfn OGe]i6d]06 a}+ssf]ljleGg vftfx?df ?= !&=*$ s/f]8 ?k}ofF lgIf]k /x]sf] 5 . o; jif{ a}+sn] pQm vftfx?df ?= %&=%! xhf/ Aofh k|bfg u/]sf] 5 .

-v_ a}+sn] cfkm\gf] Ps hgf sd{rf/L PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8df k|d'v sfo{sf/L clws[tsf] ?kdf lgo'Qm u/]sf] 5 . cf=j= @)&#÷&$ df sDkgLn] lghnfO{ ?= !@=^ nfv eQf :j?k k|bfg u/]sf] 5 .

-u_ a}+sn] Joj:yfkg ;]jf tyf cGo cfwf/e"t ;]jf pknAw u/fpgsf] nflu ;xfos sDkgL;+u Service Level Agreement (SLA) u/]sf] 5 . a}+sn] SLA jfkt ;xfos sDkgLaf6 jflif{s ?= ^ nfv k|fKt ub{5 .

-3_ a}+sn] ;xfos sDkgL PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8nfO{ cfkm\gf] z]o/ /lhi6«f/ lgo'Qm u/]sf] 5 . pQm sfo{sf] nflu a}sn] PgcfOlaPn Soflk6n dfs]{6;\ lnld6]8 nfO{ jflif{s ?= % nfv k|bfg ub{5 . a}+sn] z]o/ /lhi6«f/ sfo{df ;xof]u k'¥ofpgsf] nflu cfkm\gf sd{rf/L ;xfos sDkgLdf v6fPsf] 5 . pQm sd{rf/Lsf] jflif{s vr{ ;xfos sDkgLåf/f a}+snfO{ ;f]wegf{ ug]{ ul/Psf] 5 .

-ª_ a}+sn] PgcfO{aLPn Do'r'cn km08 cGtu{tsf] PgcfO{aLPn ;d[l4 km08df lah k"FhLsf] ?kdf ?= !$

s/f]8 nufgL u/]sf] 5 . To;} ul/ PgcfO{aLPn k|ult km08df ?= !)=@% s/f]8 lah k"FhLsf] ?kdf nufgL u/]sf]

5 .

-r_ o; jif{ a}+sn] ?= !=(# s/]f8 PgcfO{aLPn Soflk6n dfs]{6\; ln=sf] cf=j= @)&@÷)&# sf] gfkmfaf6

nfef+z :j?k k|fKt u/]sf] 5 .

-5_ a}+sn] ;xfos sDkgLn] Joj:yfkg u/]sf] z]o/ tyf D.P. vftfsf] nflu a}+s/sf] ?kdf

sfo{ u/] afkt ?= $%=$ nfv ;]jf z'Ns k|fKt u/]sf] 5 .-h_ a}+s / ;xfos sDkgL aLrsf] ;Dk"0f{ sf/f]af/ c;Da4 kIfaLrsf] sf/f]af/ (Arms Length Basis)

sf] ?kdf ug]{ ul/Psf] 5 .


;xfos sDkgL ;DaGwL ljj/0fx?


Equity and Liabilities Schedule Current Year Rs. Previous Year Rs.

Capital and ReservesShare Capital 1 101,500,000 101,500,000 Reserve & Fund 2 149,650,444 69,076,697 Total Equity 251,150,444 170,576,697 Current Liabilities

Other Liabilities 3 1,472,132,130 4,260,613,938

Income Tax Liabilities 4 - -

Sundry Creditors 5 3,745,039 6,449,066

Total Current Liabilities 1,475,877,170 4,267,063,004

Non-Current Liabilities

Provision for Gratuity 617,098 358,086

Deferred Tax Liabilities 386,320 479,270

Total Non-Current Liabilities 1,003,418 837,356

Total Liabilities 1,476,880,587 4,267,900,350

Total Equity & Liabilities 1,728,031,032 4,438,477,057

Assets Schedule Current Year Rs. Previous Year Rs.

Non-Current AssetsInvestment 8 93,164,563 62,125,917 Property Plant and Equipment 9 29,563,770 23,290,638 Total Non-Current Assets 122,728,333 85,416,555 Current Assets

Cash Balance 6 175 4,500

Bank Balance 7 1,547,856,148 4,281,823,121

Other Assets 10 27,251,666 16,110,953

Business Receivables 11 29,976,990 54,801,412

Closing Stock 12 217,720 320,516

Total Current Assets 1,605,302,698 4,353,060,502

Total Assets 1,728,031,032 4,438,477,057

Contingent Liabilities Schedule 29

Principal Accounting Policies Schedule 30

Notes to Accounts Schedule 31

NIBL CAPITAL MARKETS LIMITEDSTATEMENT OF FINANCIAL POSITION

For the Financial Year 2073/74 As at Ashad 31, 2074

Schedules 1 to 12 and 29, 30 and 31 form integral parts of the Statement of Financial Position.

Sachin TibrewalDirector

Bandana Th apaDirector

Rabindra BhattaraiDirector

Shivanth B. PandéChief Executive Offi cer

Sachindra DhunganaHead Business Support

Ram Krishna KhatiwadaDirector

Anup ShakyaHead Accounts - Business Support

Mekh Bdr. Th apaGeneral Manager

AuditorBijaya Raj Ghimire CAFor, G & G AssociatesChartered Accountants

Date : Shrawan 31, 2074Place : Kathmandu


Sachin TibrewalDirector

Bandana Th apaDirector

Rabindra BhattaraiDirector

Shivanth B. PandéChief Executive Offi cer

Sachindra DhunganaHead Business Support

Ram Krishna KhatiwadaDirector

Anup ShakyaHead Accounts - Business Support

Mekh Bdr. Th apaGeneral Manager

AuditorBijaya Raj Ghimire CAFor, G & G AssociatesChartered Accountants

Date : Shrawan 31, 2074Place : Kathmandu

Particulars Schedule Current Year Previous Year

IncomeOperating IncomeIssue and Sales Management 13 8,771,802 1,694,499 Underwriting 14 1,644,550 1,335,950 Share Registrar 15 4,084,426 1,958,123 Portfolio Management 16 4,664,099 1,633,055 Fund Management Fee 17 30,631,984 21,724,626 MF Depository 18 9,027,584 6,207,035 DP Income 19 13,755,417 6,760,375 Collection Commission Income 10,278,210 24,026,916 Refund Commission Income 19,323,863 14,659,815 Other Income 20 19,199,108 11,435,613 Gross Operating Income 121,381,043 91,436,007 Less: Operating and Administration ExpensesSebon Fee 24 366,107 2,090,100 CDS Fee 25 1,927,650 939,382 DP Commission Expenses 1,425,028 1,108,350 Collection Commisson Expenses 2,032,157 5,655,888 Refund Commisson Expenses 3,023,915 7,180,813 Staff Expenses 26 32,831,659 20,130,702 Administration and Operating Expenses 27 35,362,317 20,680,702 Operating and Administration Expenses 80,267,833 57,785,938 Operating Profi t 41,113,210 33,650,069 Add : Non operating IncomeInterest Income 99,903,001 39,279,169 Income from Investment 1,971,387 168,760 Income from Investment-FD 5,548,610 3,882,927 Pre Operating Expenses - Provision on investment written back 18,385 Profi t Before Bonus and Tax 148,536,208 76,999,310 Employees' Bonus 13,503,292 6,999,937 Profi t Before Tax 135,032,917 69,999,373 Provision for Corporate Tax 34,342,393 17,365,687 Previous Year (Income) Expenses (90,272)Deferred Tax Income( Expenses) 92,950 (233,789)Net Profi t aft er Tax 100,873,747 52,399,897

NIBL CAPITAL MARKETS LIMITEDSTATEMENT OF PROFIT OR LOSS

For the Period From Shrawan 1, 2073 to Ashad 31, 2074

Scheduels 13 to 28 form integral parts of the Profi t & Loss Account.


Particulars Current Year Previous YearA. Cash Flows From Operating Activities: Cash Infl ows 242,533,941 103,961,461 Interest Income 101,912,669 39,279,169 Issue and Sales Management 9,774,864 9,968,759 Underwriting Fee 2,201,113 714,388 Share Registrar 37,99,901 3,758,505 Portfolio Management 4,672,217 1,633,055 Fund Management Fee 24,487,890 17,035,406 MF Depository 7,004,982 4,867,258 DP Income 13,755,417 6,793,825 Collection and Refund Commission 48,170,762 14,494,863 Income from Investment-FD 4,835,754 3,602,988 Income from Investment 1,971,387 168,760 Other Income 19,946,985 1,644,486 Cash Outfl ows 115,008,787 81,198,399 Sebon Fee 2,533,701 1,781,259 CDS Fee 1,441,113 353,469 DP Commission Expense 1,665,660 881,770 Staff Expenses 38,989,500 21,126,973 Offi ce and other Overhead Expenses 33,742,559 30,054,618 Income Tax Paid 36,636,254 27,000,310 Cash Flow Before Changes in Working Capital 127,525,154 22,763,062 (Increase)/Decrease in Current Assets (38,979,572) 3,600,912 (Increase)/Decrease in Short Term Investments (31,038,646) 9,947,245 (Increase)/Decrease in other Assets (7,940,926) (6,346,333)Increase/(Decrease) in Liabilities (2,789,512,507) (105,870,986)Increase/(Decrease) in other Liabilities (2,786,808,481) (107,830,663)Increase/(Decrease) in Sundry Creditors (2,704,027) 1,959,677 Net Cash Flows from Operating Activities (2,700,966,925) (79,507,011)B.Cash Flows from Investing Activities: (33,004,374) (14,048,837)1.(Increase)/Decrease in Preoperating Expenses - - 2.(Increase)/Decrease in Fixed Assets (12,704,374) (18,208,289)3. Proceeds from disposal of Assets - 4,159,452 4. Purchase of Shares (20,300,000) - 5. Income from investment - - C.Cash Flows from Financing Activities: - - Increase/(Decrease) in Share Capital - - Increase/(Decrease) in Long Term Loan - Dividend Paid (20,300,000) - Current Year's Cash Flow From All Activities (2,733,971,299) (93,555,849)Opening Balance of Cash and Bank Balance (4,281,827,621) 4,375,383,470 Closing Balance of Cash and Bank Balance 1,547,856,323 4,281,827,621

NIBL CAPITAL MARKETS LIMITEDCASH FLOW STATEMENT

For the Period From Shrawan 1, 2073 to Ashad 31, 2074


Par

ticul

ars

Sha

re

Capi

tal

Sha

re

Prem

ium

A

ccum

ulat

ed

Profi

t /(l

oss)

Inve

stm

ent

Adju

stm

ent

Rese

rve

Gen

eral

Re

serv

e D

efer

red

Tax

Tot

al

Ope

ning

Bal

ance

(as a

t Shr

awan

1, 2

072)

1

01,5

00,0

00

-

69,0

76,6

97 -

-

-

17

0,57

6,69

7

Capi

tal i

ssue

d du

ring

the p

erio

d -

-

-

-

-

-

-

Net

Pro

fi t fo

r the

per

iod

-

-

100

,873

,747

-

-

-

100,

873,

747

Div

iden

d -

-

(2

0,30

0,00

0)

-

-

-

(20,

300,

000)

Gen

eral

Res

erve

-

-

-

-

-

-

-

Bala

nce a

t A

shad

31,

207

3 1

01,5

00,0

00

149

,650

,444

25,1

150,

444

NIB

L CA

PITA

L M

ARK

ETS

LIM

ITED

Cha

nges

In E

quity

For t

he p

erio

d fr

om S

hara

wan

1, 2

073

to A

shad

31,

207

4

Sach

in T

ibre

wal

Dire

ctor

Band

ana Th

apa

Dire

ctor

Rabi

ndra

Bha

ttara

iD

irect

or

Shiv

anth

B. P

andé

Chie

f Exe

cutiv

e Offi

cer

Sach

indr

a Dhu

ngan

aH

ead

Busin

ess S

uppo

rt

Ram

Kri

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Kha

tiwad

aD

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orA

nup

Shak

yaH

ead

Acco

unts

- Bus

ines

s Sup

port

Mek

h Bd

r. Th

apa

Gen

eral

Man

ager

Audi

tor

Bija

ya R

aj G

him

ire C

AFo

r, G

& G

Ass

ocia

tes

Cha

rter

ed A

ccou

ntan

ts

Dat

e : S

hraw

an 3

1, 2

074

Plac

e : K

athm

andu


Current Year Previous Year (NRs.) (NRs.)

Equity

Total Equity 107,661,154 70,399,418

Current Liabilities

Total Liabilities 458,380,782 3,043,125,508 566,041,936 3,113,524,926


Non-current Assets

Total Non- Current Assets 9,849,289 10,186,021

Current Assets

Total Current Assets 556,192,647 3,103,338,905 Total Assets 566,041,936 3,113,524,926

Date: Place: Kathmandu

Significant Accounting Policies & Notes to Accounts

CA. Ranjeev Shrestha

Ace Capital LimitedBalance Sheet

As at 31 Ashadh, 2074 (July 15, 2017)

Equity and Liabilities Sch.

Total Equity and Liabilities

Assets Sch.

_____________________

The Schedules referred to above form an integral part of this Balance Sheet



Revenue 84,779,196 22,336,663

Operating Expenses

Total Operating Expenses 35,504,374 15,933,674

Profit/(Loss) from operations 49,274,823 6,402,989

Non-Operating Income/Expenses

Profit(Loss) before tax 49,737,195 12,392,187

Income Tax Expense (12,459,719) (3,225,185)

Profit(Loss) after Tax 37,277,476 9,167,002


Profit Available for Distribution 37,661,153 9,674,418

Balance Profit Transferred to Balance Sheet 37,661,153 399,418

Significant Accounting Policies & Notes to Accounts 9

CA. Ranjeev Shrestha_____________________

The Schedules referred to above form an integral part of this Profit & Loss Account

Ace Capital LimitedProfit & Loss Account

For the Period Ended Shrawan 1, 2073 to Ashadh 31, 2074 (July 16, 2016 to July 15, 2017)

Profit & Loss Appropriation Account For the Period Ended Shrawan 1, 2073 to Ashadh 31, 2074 (July 16, 2016 to July 15, 2017)

Particulars Sch.

Particulars Sch.



Operating activities

Adjustment for Non-Cash Expenses:

50,223,680 10,511,069

Cash flows from operating activities before income tax (2,589,263,451) 2,853,302,062

Cash flows from operating activities (2,592,366,376) 2,853,302,062

Investing activities

Cash flows from investing activities (49,548,193) (4,056,886)

Financing activities

Cash flows from financing activities

Cash and cash equivalents at the end of the year 432,206,532 3,036,146,101

_____________________CA. Ranjeev Shrestha

Ace Capital LimitedStatement of Cash Flows

For the Period Ended Shrawan 1, 2073 to Ashadh 31, 2074 (July 16, 2016 to July 15, 2017)

Particulars


Shar

eCa

pita

l

Bala

nce

at 1

st S

hraw

an 2

072

70

,000

,000

-

-

-

5

07,4

16

70

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Bala

nce

at 1

st S

hraw

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073

70

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-

-

-

-

39

9,41

8

70,3

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18

37

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(15

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)Ba

lanc

e at

31s

t Ash

adh

2074

70

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-

-

-

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3

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1,15

4

1

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Part

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Tota

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ed

Earn

ings

_____________________

CA. R

anje

ev S

hres

tha



P; 8]enkd]06 a}+ssf] ljQLo ljj/0f


k"FhL tyf bfloTj cg';"rL rfn' cf=j= ?= ut cf=j= ?=!= z]o/ k"FhL 4.1 1,203,576,500 1,202,983,800 @= hu]8f tyf sf]ifx? 4.2 366,847,853 211,701,145 #= C0fkq tyf aG8 4.3 - - $= ltg{ afFsL shf{ ;fk6 4.4 - 1,346,018,493 %= lgIf]k bfloTj 4.5 7,448,998,459 7,589,068,527 ^= e"QmfgL lbg"kg{] ljnx? 4.6 581,933 38,811,508 &= k|:tfljt gub nfef+z - - *= cfos/ bfloTj - - (= cGo bfloTj 4.7 165,408,974 458,727,676 s"n k"FhL tyf bfloTj 9,185,413,720 9,185,413,720 10,847,311,149 10,847,311,149

;DklQ tyf hfoh]yf cg';"rL rfn' cf=j= ?= ut cf=j= ?=!= gub df}Hbft 4.8 155,741,235 84,501,089 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.9 709,749,244 113,185,553 #= a}+s tyf ljtLo ;+:yfdf /x]sf] df}Hbft 4.10 46,883,883 130,276,767 $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 4.11 339,901,078 2,959,251,999 %= nufgL 4.12 608,358,167 565,236,135 ^= shf{ ;fk6 tyf ljn v/Lb 4.13 7,078,827,659 6,749,968,366 &= l:y/ ;DklQ 4.14 90,537,424 99,169,154 *= u}/ a}lsË ;DklQ 4.15 - - (= cGo ;DklQ 4.16 155,415,031 145,722,086

s"n ;Dklt 9,185,413,720 9,185,413,720 10,847,311,149 10,847,311,149

;+efljt bfloTj cg";'rL $=!&;~rfnsx?sf] 3f]if0ff cg";'rL $=!(k'FhLsf]if tflnsf cg";'rL $=#)hf]lvd efl/t ;DklQ ljj/0f tflnsf cg";'rL $=#)-s_k|d"v ;'rsfÍx? cg";'rL $=#!k|d"v n]vf gLltx? cg";'rL $=#@n]vf ;DaGwL l6Kk0fLx? cg";'rL $=##;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] lnPsf] shf{sf] ljj/0f cg";'rL $=#$n]vf kl/If0f x"g" cl3 / kl5sf] t"ngfTds ljj/0f cg';"rL $=#%

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

P; 8]enkd]06 a}+s lnld6]8jf;nft


s]za af]xf]/f;+rfns

;'of]u >]i7k|d'v sfo{sf/L clws[t

O{zf ;"NKof nf]xgLk|d'v n]vf tyf ;+rfng

n]vfk/LIfsl;=P= lbks lzjfsf]6L

k|f]kfO{6/8L=P; P08 P;f]l;P6\;rf6{8{ Psfp06]06;\

xfd|f] cfhsf] ldltsf] ;+nUgk|ltj]bgcg'';f/

of]u]Gb| zfSocWoIf

lagf]b/Tg t'nfw/;+rfns

/fhLj /fhe08f/L;+rfns

>j0f Hof]tL s+;fsf/;+rfns



!= Jofh cfDbfgL 4.18 781,776,457 733,516,148

@= Jofh vr{ 4.19 447,692,654 302,592,424

v"b Aofh cfDbfgL 334,083,803 334,083,803 430,923,724 430,923,724

#= sldzg tyf l8:sfp06 4.20 9,390,771 7,872,915

$= cGo ;~rfng cfDbfgL 4.21 27,470,712 32,353,070

%= ;6xL 36j9 cfDbfgL 4.22 1,777,772 7,879,004

s"n ;~rfng cfDbfgL 372,723,058 372,723,058 479,028,714 479,028,714

^= sd{rf/L vr{ 4.23 94,860,068 81,668,096

&= cGo ;~rfng vr{{ 4.24 82,126,772 77,146,185

*= ;6xL 36j9 gf]S;fg 4.22 - - - -

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf 195,736,219 195,736,219 320,214,433 320,214,433

(= ;Defljt gf]S;fgL Joj:yfx? 4.25 30,262,167 74,783,471

;~rfng d"gfkmf 165,474,052 165,474,052 245,430,962 245,430,962

!)= u}/ ;~rfng cfDbfgL÷gf]S;fg 4.26 7,323,691 51,011,530

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 4.27 81,405,548 126,628,672

lgoldt sf/f]jf/af6 ePsf] d"gfkmf+ 254,203,291 254,203,291 423,071,164 423,071,164

!@= c;fdfGo sf/f]jf/x?af6 ePsf] vr{ 4.28 (16,376,411) (30,160,200)

;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] d"gfkmf 237,826,880 237,826,880 392,910,964 392,910,964

!#= sd{rf/L af]g; Joj:yf 21,620,625 35,719,179

!$= cfos/ Joj:yf 59,492,408 59,492,408 105,831,387 105,831,387

o; jif{sf] s/ Joj:yf 57,792,388 105,175,125

ut jif{;Ddsf] s/ Joj:yf - -

o; jif{sf] :yug s/ cfDbfgL÷vr{ 1,700,020 656,262

v"b gfkmf÷gf]S;fg 156,713,846 156,713,846 251,360,398 251,360,398

P; 8]enkd]06 a}+s lnld6]8gfkmf–gf]S;fg lx;fa


$=!* b]lv $=@* ;Ddsf cg";'rLx? gfkmf gf]S;fg lx;fasf cleGg c+u x'g\ . xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bg cg";f/

s]za af]xf]/f;+rfns






of]u]Gb| zfSocWoIf





P; 8]enkd]06 a}+s lnld6]8gfkmf–gf]S;fg afF8kmfF8 lx;fa


xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bg cg";f/


cDbfgL



#= ;6xL 36a9 sf]if

$= nufgL ;dfof]hg sf]if

%= :yug s/ hu]8f

127,645

156,713,846

-

269,063

1,700,020

4,820,143

251,360,398

-

1,590,450

656,262

hDdf 158,810,575 158,810,575 258,427,253 258,427,253

vr{







&= sd{rF/L ;DaGwL tfnLd sf]if tyf hu]8fx?

*= k|:tfljt nfef+z

(= k|:tfljt af]g; z]o/ hf/L


!!= ;6xL 36a9 sf]if

!@= k"+hL lkmtf{ hu]8f sf]if

!#= k"+hL ;dfof]hg sf]if


!%= :yug s/ hu]8f

!^= ;fdflhs kl/of]hgf sf]if

-

-

31,342,769

-

-

-

-

-

-

-

-

-

-

-

-

1,567,138

-

-

50,272,080

-

-

-

-

-

202,581,400

-

222,671

-

5,159,736

63,720

-

-

hDdf 32,909,907 32,909,907 258,299,608 258,299,608

;l~rt d'gfkmf÷-gf]S;fg_ 125,900,667 125,900,667 127,645 127,645

s]za af]xf]/f;+rfns






of]u]Gb| zfSocWoIf






-s_ sf/f]af/ ;+rfngaf6 gub k|jfx 578,810,989 578,810,989 (138,513,037) (138,513,037)!=) gub k|fKtL 819,996,255 819,996,255 785,806,767 785,806,767 !=! Jofh cfDbfgL 781,356,999 737,701,778 !=@ sdLzg tyf l8isfpG6 cfDbfgL 9,390,771 7,872,915 !=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL 1,777,772 7,879,004 !=$ ckn]lvt shf{sf] c;"nL - - !=% cGo cfDbfgL 27,470,712 32,353,070 @=) gub e"QmfgL 635,576,898 635,576,898 581,512,992 581,512,992 @=! Jofh vr{ 337,464,948 302,540,846 @=@ sd{rf/L vr{ -jf]g; ;d]t_ 143,039,889 100,126,350 @=# sfof{no ;+rfng vr{ -Xf; vr{ / ckn]vg vr{ jfx]s_ 71,635,169 65,180,270 @=$ cfos/ e"QmfgL 83,436,892 113,665,525 @=% cGo vr{

sfo{ut k'+hL ultljlw cl3sf] gub k|jfx 184,419,356 184,419,356 204,293,776 204,293,776 ;~rfng ;DalGw rfn' ;DklQdf sdL ÷a[l4 2,294,363,594 2,294,363,594 (1,640,806,538) (1,640,806,538)!= dfu tyf cNk ;'rgfdf k|fKt x"g] /sddf sdL÷a[l4 2,619,350,921 2,619,350,921 (694,510,403) (694,510,403)@= cGo cNksfnLg nufgLdf sdL÷a[l4 (45,022,186) (45,022,186) 10,253,298 10,253,298 #= shf{ tyf ljN; v/Lbdf sdL÷a[l4 (311,876,869) (311,876,869) (929,657,852) (929,657,852)$= cGo ;DklQdf sdL÷a[l4 31,911,728 31,911,728 (26,891,581) (26,891,581);~rfng ;DalGw rfn" bfloTjdf sdL ÷a[l4 (1,899,971,962) (1,899,971,962) 1,297,999,726 1,297,999,726 != lgIf]k bfloTjdf -sdL_÷a[l4 (140,070,068) (140,070,068) 851,204,262 851,204,262 @= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4

#= cNksfnLg ;fk6Ldf -sdL_÷a[l4 (1,346,018,493) (1,346,018,493) 26,018,493 26,018,493 $= cGo bfloTjdf -sdL_÷a[l4 (413,883,401) (413,883,401) 420,776,971 420,776,971 -v_ nufgL sf/f]jf/df gub k|jfx 7,907,787 7,907,787 1,087,480 1,087,480 != bL3{sfnLg nufgLdf sdL÷a[l4

@= :yL/ ;DklQdf sdL÷a[l4 (2,278,704) (2,278,704) (6,021,122) (6,021,122)#= bL3{sfnLg nufgLdf Jofh cfDbfgL

$= nfef+z cfDbfgL 10,186,491 10,186,491 7,108,602 7,108,602 %= cGo

-u_ ljQLo >f]t sf/f]jf/af6 gub k|jfx (2,307,824) (2,307,824) (277,328) (277,328)!= bL#{sfnLg C0f -j08, l8j]Gr/ cflb_ df a[l4÷-sdL_

@= z]o/ k'+hLdf a[l4÷-sdL_ 592,700 592,700 - - #= cGo bfloTjdf a[l4÷-sdL_ nfef+; e"QmfgL

$= g]kfn /fi6« a}+saf6 k|fKt ;x"lnot÷k"g/shf{df a[l4÷-sdL_

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O6x/L1. HEAD OFFICE Durbar Marg, P.O. Box 3412 Tel: 01-4228229, 4242530 (DISA) Fax: 01-4226349, 4228927 Swift: NIBLNPKT

2. SEEPADOLE BRANCH Suryabinayak, Bhaktapur Tel: 01-6615617, 6612832 Fax: 01-66166173. BIRGUNJ BRANCH Adarshanagar, P.O. Box 101 Tel 051-523327, 525277 Fax: 051-525297, 5342714. PULCHOWK BRANCH Pulchowk, Lalitpur Tel: 01-5010188, 5010042 Fax: 01-50101425. BANEPA BRANCH Banepa, Kavre Tel: 011-664315, 662401 Fax: 011-6624026. JEETPUR BRANCH Jeetpur, Bara Tel: 053-520297 Fax: 053-5208777. NEWROAD BRANCH Basantapur, Kathmandu Tel: 01-4227032, 4227688 Fax: 01-4227050/42276558. BIRATNAGAR BRANCH Golchha Chowk, Biratnagar Tel: 021-534523, 534524, 534525 Fax: 021-5345269. BUTWAL BRANCH Traffic Chowk, Butwal Tel: 071-549991, 549992 Fax: 071-54988810. BHAIRAHAWA BRANCH Maitri Path, Bhairahawa Tel: 071-526992, 526993 Fax: 071-52699011. POKHARA BRANCH Chiple Dunga,Pokhara Tel: 061-538919, 539276 Fax: 061-53892012. PUTALISADAK BRANCH Putalisadak, Kathmandu Tel: 01-4445302, 4445303 Fax: 01-442145513. NARAYANGARH BRANCH Pulchowk, Narayangarh Tel: 056-571921, 571922 Fax: 056-57192514. JANAKPUR BRANCH Mills Area, Janakpur Tel: 041-527331 Fax: 041-52733215. NEPALGUNJ BRANCH Dhamboji, Nepalgunj Tel: 081-525978, 525682 Fax: 081-521664

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Documents

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