BNM 4-2008

7/23/2019 BNM 4-2008

1/246

7/23/2019 BNM 4-2008

2/246

7/23/2019 BNM 4-2008

3/246

7/23/2019 BNM 4-2008

4/246

7/23/2019 BNM 4-2008

5/246

7/23/2019 BNM 4-2008

6/246

7/23/2019 BNM 4-2008

7/246

7/23/2019 BNM 4-2008

8/246

7/23/2019 BNM 4-2008

9/246

7/23/2019 BNM 4-2008

10/246

7/23/2019 BNM 4-2008

11/246

7/23/2019 BNM 4-2008

12/246

7/23/2019 BNM 4-2008

13/246

7/23/2019 BNM 4-2008

14/246

7/23/2019 BNM 4-2008

15/246

7/23/2019 BNM 4-2008

16/246

7/23/2019 BNM 4-2008

17/246

7/23/2019 BNM 4-2008

18/246

7/23/2019 BNM 4-2008

19/246

7/23/2019 BNM 4-2008

20/246

7/23/2019 BNM 4-2008

21/246

7/23/2019 BNM 4-2008

22/246

7/23/2019 BNM 4-2008

23/246

7/23/2019 BNM 4-2008

24/246

7/23/2019 BNM 4-2008

25/246

7/23/2019 BNM 4-2008

26/246

7/23/2019 BNM 4-2008

27/246

7/23/2019 BNM 4-2008

28/246

7/23/2019 BNM 4-2008

29/246

7/23/2019 BNM 4-2008

30/246

7/23/2019 BNM 4-2008

31/246

7/23/2019 BNM 4-2008

32/246

7/23/2019 BNM 4-2008

33/246

7/23/2019 BNM 4-2008

34/246

7/23/2019 BNM 4-2008

35/246

7/23/2019 BNM 4-2008

36/246

7/23/2019 BNM 4-2008

37/246

7/23/2019 BNM 4-2008

38/246

7/23/2019 BNM 4-2008

39/246

7/23/2019 BNM 4-2008

40/246

7/23/2019 BNM 4-2008

41/246

7/23/2019 BNM 4-2008

42/246

7/23/2019 BNM 4-2008

43/246

7/23/2019 BNM 4-2008

44/246

7/23/2019 BNM 4-2008

45/246

7/23/2019 BNM 4-2008

46/246

7/23/2019 BNM 4-2008

47/246

7/23/2019 BNM 4-2008

48/246

7/23/2019 BNM 4-2008

49/246

7/23/2019 BNM 4-2008

50/246

7/23/2019 BNM 4-2008

51/246

7/23/2019 BNM 4-2008

52/246

7/23/2019 BNM 4-2008

53/246

7/23/2019 BNM 4-2008

54/246

7/23/2019 BNM 4-2008

55/246

7/23/2019 BNM 4-2008

56/246

7/23/2019 BNM 4-2008

57/246

7/23/2019 BNM 4-2008

58/246

7/23/2019 BNM 4-2008

59/246

7/23/2019 BNM 4-2008

60/246

7/23/2019 BNM 4-2008

61/246

7/23/2019 BNM 4-2008

62/246

7/23/2019 BNM 4-2008

63/246

7/23/2019 BNM 4-2008

64/246

7/23/2019 BNM 4-2008

65/246

7/23/2019 BNM 4-2008

66/246

7/23/2019 BNM 4-2008

67/246

7/23/2019 BNM 4-2008

68/246

7/23/2019 BNM 4-2008

69/246

7/23/2019 BNM 4-2008

70/246

7/23/2019 BNM 4-2008

71/246

7/23/2019 BNM 4-2008

72/246

7/23/2019 BNM 4-2008

73/246

7/23/2019 BNM 4-2008

74/246

7/23/2019 BNM 4-2008

75/246

7/23/2019 BNM 4-2008

76/246

7/23/2019 BNM 4-2008

77/246

7/23/2019 BNM 4-2008

78/246

7/23/2019 BNM 4-2008

79/246

7/23/2019 BNM 4-2008

80/246

7/23/2019 BNM 4-2008

81/246

7/23/2019 BNM 4-2008

82/246

7/23/2019 BNM 4-2008

83/246

7/23/2019 BNM 4-2008

84/246

7/23/2019 BNM 4-2008

85/246

7/23/2019 BNM 4-2008

86/246

7/23/2019 BNM 4-2008

87/246

7/23/2019 BNM 4-2008

88/246

7/23/2019 BNM 4-2008

89/246

7/23/2019 BNM 4-2008

90/246

7/23/2019 BNM 4-2008

91/246

7/23/2019 BNM 4-2008

92/246

7/23/2019 BNM 4-2008

93/246

7/23/2019 BNM 4-2008

94/246

7/23/2019 BNM 4-2008

95/246

7/23/2019 BNM 4-2008

96/246

7/23/2019 BNM 4-2008

97/246

7/23/2019 BNM 4-2008

98/246

7/23/2019 BNM 4-2008

99/246

7/23/2019 BNM 4-2008

100/246

7/23/2019 BNM 4-2008

101/246

7/23/2019 BNM 4-2008

102/246

7/23/2019 BNM 4-2008

103/246

7/23/2019 BNM 4-2008

104/246

7/23/2019 BNM 4-2008

105/246

7/23/2019 BNM 4-2008

106/246

7/23/2019 BNM 4-2008

107/246

7/23/2019 BNM 4-2008

108/246

7/23/2019 BNM 4-2008

109/246

7/23/2019 BNM 4-2008

110/246

7/23/2019 BNM 4-2008

111/246

7/23/2019 BNM 4-2008

112/246

7/23/2019 BNM 4-2008

113/246

7/23/2019 BNM 4-2008

114/246

7/23/2019 BNM 4-2008

115/246

7/23/2019 BNM 4-2008

116/246

7/23/2019 BNM 4-2008

117/246

7/23/2019 BNM 4-2008

118/246

7/23/2019 BNM 4-2008

119/246

7/23/2019 BNM 4-2008

120/246

7/23/2019 BNM 4-2008

121/246

7/23/2019 BNM 4-2008

122/246

7/23/2019 BNM 4-2008

123/246

7/23/2019 BNM 4-2008

124/246

7/23/2019 BNM 4-2008

125/246

7/23/2019 BNM 4-2008

126/246

7/23/2019 BNM 4-2008

127/246

7/23/2019 BNM 4-2008

128/246

7/23/2019 BNM 4-2008

129/246

7/23/2019 BNM 4-2008

130/246

7/23/2019 BNM 4-2008

131/246

7/23/2019 BNM 4-2008

132/246

7/23/2019 BNM 4-2008

133/246

7/23/2019 BNM 4-2008

134/246

7/23/2019 BNM 4-2008

135/246

7/23/2019 BNM 4-2008

136/246

7/23/2019 BNM 4-2008

137/246

7/23/2019 BNM 4-2008

138/246

7/23/2019 BNM 4-2008

139/246

7/23/2019 BNM 4-2008

140/246

7/23/2019 BNM 4-2008

141/246

7/23/2019 BNM 4-2008

142/246

7/23/2019 BNM 4-2008

143/246

7/23/2019 BNM 4-2008

144/246

7/23/2019 BNM 4-2008

145/246

7/23/2019 BNM 4-2008

146/246

7/23/2019 BNM 4-2008

147/246

7/23/2019 BNM 4-2008

148/246

7/23/2019 BNM 4-2008

149/246

7/23/2019 BNM 4-2008

150/246

7/23/2019 BNM 4-2008

151/246

7/23/2019 BNM 4-2008

152/246

7/23/2019 BNM 4-2008

153/246

7/23/2019 BNM 4-2008

154/246

7/23/2019 BNM 4-2008

155/246

7/23/2019 BNM 4-2008

156/246

7/23/2019 BNM 4-2008

157/246

7/23/2019 BNM 4-2008

158/246

7/23/2019 BNM 4-2008

159/246

7/23/2019 BNM 4-2008

160/246

7/23/2019 BNM 4-2008

161/246

7/23/2019 BNM 4-2008

162/246

7/23/2019 BNM 4-2008

163/246

7/23/2019 BNM 4-2008

164/246

7/23/2019 BNM 4-2008

165/246

7/23/2019 BNM 4-2008

166/246

7/23/2019 BNM 4-2008

167/246

7/23/2019 BNM 4-2008

168/246

7/23/2019 BNM 4-2008

169/246

7/23/2019 BNM 4-2008

170/246

7/23/2019 BNM 4-2008

171/246

7/23/2019 BNM 4-2008

172/246

7/23/2019 BNM 4-2008

173/246

7/23/2019 BNM 4-2008

174/246

7/23/2019 BNM 4-2008

175/246

7/23/2019 BNM 4-2008

176/246

7/23/2019 BNM 4-2008

177/246

7/23/2019 BNM 4-2008

178/246

7/23/2019 BNM 4-2008

179/246

7/23/2019 BNM 4-2008

180/246

7/23/2019 BNM 4-2008

181/246

7/23/2019 BNM 4-2008

182/246

7/23/2019 BNM 4-2008

183/246

7/23/2019 BNM 4-2008

184/246

7/23/2019 BNM 4-2008

185/246

7/23/2019 BNM 4-2008

186/246

7/23/2019 BNM 4-2008

187/246

7/23/2019 BNM 4-2008

188/246

7/23/2019 BNM 4-2008

189/246

7/23/2019 BNM 4-2008

190/246

7/23/2019 BNM 4-2008

191/246

7/23/2019 BNM 4-2008

192/246

7/23/2019 BNM 4-2008

193/246

7/23/2019 BNM 4-2008

194/246

7/23/2019 BNM 4-2008

195/246

7/23/2019 BNM 4-2008

196/246

7/23/2019 BNM 4-2008

197/246

7/23/2019 BNM 4-2008

198/246

7/23/2019 BNM 4-2008

199/246

7/23/2019 BNM 4-2008

200/246

7/23/2019 BNM 4-2008

201/246

7/23/2019 BNM 4-2008

202/246

7/23/2019 BNM 4-2008

203/246

7/23/2019 BNM 4-2008

204/246

7/23/2019 BNM 4-2008

205/246

7/23/2019 BNM 4-2008

206/246

7/23/2019 BNM 4-2008

207/246

7/23/2019 BNM 4-2008

208/246

7/23/2019 BNM 4-2008

209/246

7/23/2019 BNM 4-2008

210/246

7/23/2019 BNM 4-2008

211/246

7/23/2019 BNM 4-2008

212/246

7/23/2019 BNM 4-2008

213/246

7/23/2019 BNM 4-2008

214/246

7/23/2019 BNM 4-2008

215/246

7/23/2019 BNM 4-2008

216/246

7/23/2019 BNM 4-2008

217/246

7/23/2019 BNM 4-2008

218/246

7/23/2019 BNM 4-2008

219/246

Abanbleqifbi Jibljin i @lnklvhbJi{bljin Abanbleqi}or lf @lnklvi

192

144;* Nijei. Ijkqhb*Ib ol{q{ t jx qi{hwb jb`bd 7 SvhqtxqbP , IjkNijei ,, T{iqh kh xqehj* 1==?* I}q* /Jq ;"* ]* 6*

1448* @jtdxq{. Blij*]qhinx`bji{xn Bjlqle. j{bxn 7 ShthxP , Blij@jtdxq{ ,, Enitxn* 1==?* 1; i}q* ]* 2-9=*

1446* @iqbj. Eohlqeoh*Ni }l{dlvb{ bh}xqb 7 S}lvht{bqhP , Eohlqeoh @,, Fnlqbnh kinah* 1==?* 4 i}q* ]* ?*

1445* @i{hhvbdb. Inh h*Oqbt{lt ijvbi{ 7 SvhqtxqbP , Inh h @i{hhvbdb ,dhi }l}lqxnxb* 1==?* 4= i}q* ]* ?3 * 1==?* 4=

144?* @i{hhvbdb. Inh hb*Nbài jlit{q 7 SvhqtxqbP , Inh hb @i{hhvbdbWbiqxn kh eiqk* 1==?* 4 i}q* ]* ?*

1442* @i{hhvbdb. Inh hb*@lnklvhjbnlq 7 SvhqtxqbP , Inh hb @i{hhvbd@lnklvi ìqh* 1==?* 98 i}q* Dx diqid{* dobq*

14;=* @lqiqx. Iji{ln*Nhl 7 S}lvht{bqhP , Iji{ln @lqiqx. Kbjx Dlgldiqx Dlj{qiflq{* 1==?* I}q* /Jq ;"* ]* 92-19*

14;9* Jijx. Kb`b{qbh* jvbhqhi 7 SvhqtxqbP , Kb`b{qbh Jijx ,, Fnlqbnh 1==?* 1; i}q* ]* 9*

14;1* ]kxqiqx. ]ivhn*Ql{xjk b einahj3 Xqtxnhxn dhn eqit dx xqhkh fbhq 7 SvhqtxqbP , ]ivhn ]kxqiqx ,, T{iqh kh xqehj* 1==?* I}q

14;4* ]h{qhi. Ehlqeh*Iqbdhbb3 Dqhtd ìqh3 iqi `hi3 @hnhiexn `hx3]idbhj{xn3 @hndxlqxn3 ]bd{lqbi 7 SvhqtxqbP , Ehlqeh ]h{qhi ,, Fnlqbnh9= i}q* ]* ?*

14;;* ]l}lvbdb. [hlklq*@hkbdxn3 Kid ***3 @ j{qha ***3 Kbh{i3Sh}beqi`hP , [hlklq ]l}lvbdb ,, ]ql Fiqìdbi* 1==?* @iq{* I}q* /Jq91*

14;8* ]l}lvbdb. Vnik*b hx t t{ix }qhdx` di{iqexn *** 7 SvhqtxqbP , ]l}lvbdb ,, Xjbvhqt }hkielebd }ql* 1==?* 95 i}q* ]* ?* Dx}qbvbjh3 Wlkbh kbj fnlqb3 Qjkxbqh-j thjt3 àqdiqh dx jnb`b3 ]iqikbtTfqb{ }ql}qbx3 Th`jh tidqh3 ]ql{hgi{ kh txat{iji ìebd3 Xb{iqh dx }hqh

7/23/2019 BNM 4-2008

220/246

Dqljbdi iq{bdlnhnlq kh eiwh{ Jq ;-1==? Jhut}i}hq iq{bdnh ijjint Jq ;-1==?

11=

14;6* ]lt{bd {hfjhtdx. Blj*Dlk 7 SvhqtxqbP , Blj ]lt{bd {hfjhtdx,, T{iqh kh xqehj* 1==?* I}q* /Jq ;"* ]* 4*

14;5*

Qlìjdbxd. Vitbnh*]qb`viqi ni jlb 7 SvhqtxqbP , VitbnhQlìjdbxd ,, Fnlqbnh kinah* 1==?* 4 i}q* ]* 9*

14;?* T}qbjdhij. Hìjxhni*Fq {i{ 7 Si`bj{bqbP , Hìjxhni T}qbjdhij ,, T{iqh kh xqehj* 1==?* I}q* /Jq ;"* ]* 96*

14;2* Txdhvhijx. Iqdikbh*Fnlqbbnh3 Tfbj{hnh ]ib3 ]i{hnh AnigbDliqki fhq`hdi{3 Dx}i diqh th jdobkh3 Kl-qh-`b-fi-tln-ni-dqb3 Kx`bjbdiSvhqtxqbP , Iqdikbh Txdhvhijx ,, Fnlqbnh kinah* 1==?* 4 i}q* ]* ?

148=* {bqax. [b{xt* jkh`j 7 SvhqtxqbP , [b{xt {bqax ,, Nb{* b iq{i* 95 i}q* ]* 4*

1489* [iìwndiqx. Hnhji*Hthjh dx xqbixn Jbdob{i 7 SvhqtxqbP , Hn[iìwndiqx ,, Nb{* b iq{i* 1==?* 1; i}q* ]* ;*

1481* [lì. Ijkqhhi* CB[TDobbjx 7 SvhqtxqbP , Ijkqhhi [lì ,, T{iqkh xqehj* 1==?* I}q* /Jq ;"* ]* 1*

1484* xqdijx. Ijkqhb*Lqidln3 [iax3 Khfbdb{ dqljbd3 Fqi{hnh `hx **Ielj3 Qbkxqb3 Tlnxbh3 Lkrtthxt j B{oici3 Dnb}b{3 Axnvhqtqb3 [lq}lbjk `xqbjk fq qht{3 Tin{ j qhinb{i{h3 [qhdhqh3 Walq ina3 Qlt{3 ]qe3 ET{qvhwb`h 7 SvhqtxqbP , Ijkqhb xqdijx ,, Nb{* b iq{i* 1==?* 95 i

148;* Vicxnlvtcb. Inh ijkqx*Bjvhqt3 ]h kqx` 7 SvhqtxqbP , Inh ijkqxVicxnlvtcb ,, T{iqh kh xqehj* 1==?* I}q* /Jq ;"* ]* ?. 1;*

1488* Vicxnlvtcb. @boibn*Diq `bjh3 [i{. vhwb d jx ìb ivh` idhhibikqht 7 SvhqtxqbP , @boibn Vicxnlvtcb ,, T{iqh kh xqehj* 1==?* 8. 96*

1486* Vbhqx. Eqbelqh*Fnliqh kh nx`bj 7 Sdj{hd }itdinP , Eqbelqh Vbh,, Nb{* b iq{i* 1==?* 1; i}q* ]* 9*

1485* Vbhqx. Eqbelqh*Nhe`j{ 7 SvhqtxqbP , Eqbelqh Vbhqx ,, Eiwh{anbl{hdiqxnxb* 1==?* Bij*-Fhaq* /Jq 9,1"* ]* 9*

7/23/2019 BNM 4-2008

221/246


119

148?* Vndx. @boib*]xt{bh ht{h diti ***3 Dijbdxni 7 SvhqtxqbP , @boib,, ]ql Fiqìdbi* 1==?* @iq{* I}q* /Jq 4,;"* ]* 94*

1482* Wikjb}qx. ]h{qx*Aitiqiahjbb 7 SvhqtxqbP , ]h{qx Wikjb}qx ,, @lnvi ìqh* 1==?* 11 i}q*

?19*969*9 Nb{hqi{xq qxt146=* [iqclvtcb. Ijkqhb*@iq{bqlnlexn nxb Ijkqhb [iqclvtcb 7 Sfqie`* k

gxqjinP , Ijkqhb [iqclvtcb3 }qhw* b {qik* kh Vitbnh Eqjh ,, Dlj{qiflq{* /Jq ;"* ]* 14-1;*

?19*969*9/;5?" Nb{hqi{xq qxt kbj Qh}xanbdi @lnklvi

1469* Db`}lb. @boib*T{qbe{xn axfjbhb 7 Stdqbb{lqxn Bxqb Eqhdlv nkh ni ji{hqhP , @boib Db`}lb ,, Nb{* b iq{i* 1==?* - 9= i}q* ]* 8*

1461* @iqkiqb. Blj*Xj }xq fh`hbhtd qhch{ 7 Skh{hd{bv 7 {qikxdhqhP@iqkiqb ,, Dl`xjbt{xn* 1==?* 18 i}q* ]* 91*

1464* ]ijfbn. Lnhe*Dobiq kid bxab` fnlqbnh hnh `lq 7 S}lvht{bfqie`*P , Lnhe ]ijfbn3 {qik* kh Vikb` Vitbnbx ,, T{iqh kh xqehj* 1==;"* ]* 19*

146;* . * 7 * , ,, }nxt* 1==?* 99 * * 9?*

1468* . * 7 * * , - ,, * 1==?* ;.99.9?. 18 * * * 7 18 *

1466* . * 7 , ,, * 1==?* 9? * * 91*

?19*964*; Nb{hqi{xq j nbài tqa-dqli{1465* Jt{ith. Qwvij @boib*Bxabqhi tdqbt j t{hnh 7 S}h ìqebjhi ql-

ìjxnxb @ij{bi kh t{hnh kh @bnlqik ]ivbd. Axdxqh{b. hk* Oxìjb{it Fbd, Qwvij @boib Jt{ith ,, Dlj{qiflq{* 1==?* I}q* /Jq ;"* ]* 14*

?1,?19*= [hlqbi. t{xkbxn b {hojbdi nb{hqi{xqbb

146?*

Dlt`htdx. Inh *]lhwbh , kbinle 7 Sqhfnhdbb nb{hqiqhP , Dlt`htdx ,, Dlj{qiflq{* 1==?* I}q* /Jq ;"* ]* 2*

7/23/2019 BNM 4-2008

222/246


111

1462* . * . < 7 S * P , ,, }nxt* 1==?* 18

?19*991*1*= Nb{hqi{xq ehqìj145=* Kxdchqt. [ijgi*[ijgi Kxdchqt 7 @ dljtbkhq l tdqbb{liqh diqh

ifbq` ix{lqb{i{hi thjtxnxb b i ikhvqxnxb }lnb{bd 7 Sbj{hqvbx dx tdqbbdljth`jiqh 7 Vb{inbh Dblaijx ,, Dlj{qiflq{* 1==?* I}q* /Jq ;"* ]* 9;-

?19*948*9*=2 Dqb{bd b bt{lqbh nb{hqiq 1459* Dqbb tdqbb{lqb 7 Sijdoh{i Dlj{qiflq{ dx tdqbb{lqbb 7

Kbidljx. @boib {hfij ]lbi{. Nxdbij Vitbnbx. ***P ,, Dlj{qiflq{* 1==?* ]* 9=-91*=2

1451* Dblaijx. Vb{inbh*@ljbdi Nlvbjhtdx ni kht}qbqh 7 Sbj `h`lqbitdqbb{liqhbP , Vb{inbh Dblaijx ,, Dlj{qiflq{* 1==?* I}q* /Jq ;"* ]*

1454* @ijhi. Jlqìj* Jlqìj @ijhi j bj{hqvbxqb , thnhdbh kh Vhqljb-di Hijx ,, Dlj{qiflq{* 1==?* I}q* /Jq ;"* ]* 5* Dx}qbjt 7 Q}hj{qx idhit{ vbi. tdqbb{lq ql`j *** 7 Sfqie`* kbj{q-xj bj{hqvbx }hdxn{xq. 1==?. jq* 959P , qhinbwi{ kh Ehlqeh Ljlfqhb3 H bnxn ht{h ldlin i qhhvinxqbb kh tbjh *** 7 Sfqie`* kbj{q-xj bj{hqvbx }hj{qx Ikiq{bt{bd. 14 i}q* 1==?P , bj{hqnldx{lq 7 Dhwiq ]ixn-Akhtdx*

145;* @ldijx. Belq*Doht{bi it{i-b qhdh. b i` fxeb{ ifiq kbj bkhb 7 Sìqebjhi dqbb Fxdc {oh dlln* T}xjh-`b l }lvht{h kh Dlt{b Qlelwijx. B]lnbql`. 1==5P , Belq @ldijx ,, Dlj{qiflq{* 1==?* I}q* /Jq ;"* ]* 6*

1458* L}qhi. @iqbxt*b-h fqbd i{xjdb djk h{b jdqjdhji{ 7 bj{hdx @* L}qhi. }lh{. hthbt{ , bj{hqvbx qhinbwi{ kh @boibn Vicxnlvtcb ,, FT{xkhj{xn* 1==?* 98 i}q* ]* 6*

1456* Tlvbijr. Ld{ivbij*Jlxi }lhwbh fh`bjbj kbj Ql`jbi , Ld{ivbijTlvbijr ,, T{iqh kh xqehj* 1==?* I}q* /Jq ;"* ]* 98*

?19*948*9/;5?"*=2 [hlqbh b dqb{bd nb{hqiq1455* A{d. Vhqljbdi*Axdxqbi xjhb kxqhqb kbvbjh 7 dqb{bdxn-}lh

Dbldijx , Vhqljbdi A{d ,, Nb{* b iq{i* 1==?* 95 i}q* ]* ;*

7/23/2019 BNM 4-2008

223/246


114

145?* Ahnb. Nbvbx*[hlklq ]l}lvbdb 7 Dhn ìb axj t{lì{lnle }qbj{qh tdqb-b{lqb b dhn ìb axj }qbj{qh t{lì{lnleb 7 S}h ìqebjhi dqhibhb }lh{bdh ti[hlklq ]l}lvbdbP , Nbvbx Ahnb ,, ]ql Fiqìdbi* 1==?* @iq{* I}q*

91*1452* Diqijfbn. Jbjhni*Xj jv{lq in dh{bb 7 SVnik ]lobn. tdqb

anbdbt{. nbjevbt{P , Jbjhni Diqijfbn ,, Nb{* b iq{i* 1==?* 4 i}q* ]

14?=* Dob}hq. Eqbelqh*]idbhj{xn `lnklvhij. tix j dx{iqhi w}hwbnlq kh }h Cbnbìjgiql 7 S}h ìqebjhi qlìjxnxb Ivbljxn `bqlthi i }h{h kh Jbd]l}i. Do*. hk* Iqd. 1==?P , Eqbelqh Dob}hq ,, Dlj{qiflq{* 1==?* I}q*

14?9*

Dljkqhi. Dljt{ij{bj*Dh ìb fidh Dljt{ij{bj Dljkqhi< 7 Sbj{hq-vbx dx tdqbb{lqxn `lnklvhij. t{iabnb{ j TXIP , bj{hqnldx{lq 7 Jbdlnih Kiaiq{i* 1==?* 1; i}q* ]* ;*

14?1* Dlqax. Oiqiniàbh*H}l}hhi Fxqjbdbb nxb Blj Kqx 7 S}h ìqebjdqhibhb kqxbhjhP , Oiqiniàbh Dlqax ,, T}{`ji* 1==?* ; i}q*

14?4* Dlt`tdx. Inh *]lhwbi ht{h. j }qb`xn qjk. l flq` kh dl`xjb-diqh. l }iq{h i vbhbb dl{bkbhjh 7 Sbj{hqvbx dx I* Dlt`htdx. tdqbb{lq. }

bj{hqvbx kh Nbnbiji ]l}xlb ,, Fnx dlj{bjxx 7 hk* kh vbjhqb* 1==?* ; 14?;* Dqxkx. Kx`b{qx*Dbjh txj{ b dh vlq {bjhqbb }lhb iwb kbj Q* @

vi< , Kx`b{qx Dqxkx ,, T{iqh kh xqehj* 1==?* I}q* /Jq ;"* ]* 6*

14?8* Klneij. @boibn*Dbjh kbj{qh dqb{bdb i txtbjx{ j ikhvq }lhwbl}lwbbh /BB" , @boibn Klneij ,, Nb{* b iq{i* 1==?* 95 i}q* ]* ;

14?6* Fiabij. Jbdlnih*Dqbtleqifxn fitdbjibbnlq kbj{b 7 Stdqbb{lqx@jtdxq{ ni 88 kh ijb kh ni ji{hqhP , Jbdlnih Fiabij ,, Enitxn* 1==?* ]* 53 Nb{* b iq{i* 1==?* 1; i}q* ]* ;*

14?5* Bidob`. Blj*Xj Qhdvbh` j diqh {qiebdxn th `}nh{h{h dx x`lqxnS}h ìqebjhi dqbb ]lbiji dx ohqxvb`b kh Blj ]qldi. Do*. Eqifhì NbaqbtBlj Bidob` ,, Xjbvhqt }hkielebd }ql* 1==?* 4 i}q* ]* ?*

14??* @i{dlvtdob. Kx`b{qx*Ikhvqibb li`hjb kh dxn{xq ix qhwbt{iix nx}{i{. kiq j-ix jehjxjdohi{ j fii }x{hqbb *** 7 Sqlnxn nb{* b iq{i kh`bdbijxn K* @i{dlvtdob. tdqbb{lq in }l}lqxnxbP ,, i dljth`ji{ 7 Kbji Dob`b iq{i* 1==?* 95 i}q* ]* 6*

7/23/2019 BNM 4-2008

224/246


11;

14?2* ]innikb. [xklq*Klqxn jhtdqbt kh }lhwbh *** 7 S}h ìqebjhi dqhi}lh{xnxb Iqob} Tb`blj Dbal{iqxP , [xklq ]innikb ,, Nb{* b iq{i* 1==?* -

142=* ]kxqiqx. Iji{ln*Iji{ln ]kxqiqx 7 Fqi{hnh `hx i }xt }qlanhìl}qbqbb ìtidqxnxb nbàbb ql`jh j Aitiqiabi7 Sbj{hqvbx dx I* ]kxqiqx. f{lqxnxb Jbdlnih Dlt{hjdlP , dljth`jiqh 7 Ij{ljbji Tqax ,, Wbiqxn kh eiqk* 9= i}q* ]* 8*

1429* [ljbi. I*]hkielebi fbqhitd i }tqh{xnxb 7 S}h ìqebjhi dqDx` i` {qb{ j{q-xj `q kh Jbji Tnx{x-Tlqldhijx. Do*. 1==?P , I* [ljbiiq{i* 1==?* 95 i}q* ]* ?*

1421* Vbhqx. Alqbt*]qdniabb ehjbxnxb ql`jhtd 7 SVnik ]lobn. }xanbnbjevbt{. ni 88 kh ijb kh ni ji{hqhP , Alqbt Vbhqx ,, Ji{xqi* 1==?* I}96*

68 kh ijb kh ni ji{hqhi }lh{xnxb Ixqhn Dbldijx1424* Dbldlb. Eohlqeoh*]iji dh bxah{h ldhijxn 7 S}lh{xn Ixqhn

Dbldijx ni 68 kh ijb kh ni ji{hqhP , Eohlqeoh Dbldlb ,, Nb{* b iq{i* 1= ]* ;*

142;* Dbldlb. Eohlqeoh*Tb dxvj{xn iqh qht}bqibh *** 7 SIxqhn Dbld 68P , Eohlqeoh Dbldlb ,, Enitxn* 1==?* 1; i}q* ]* ?*

1428* ]qldi. Blj*Kh dh hvikhiw tdqbb{lqbb< 7 SIxqhn Dbldijx 68P , Blj]qldi ,, Enitxn* 1==?* 1; i}q* ]* ?*

1426* ]qlobj. Vbd{lq*Xj }lh{ diqh xq`hiw i fb qhkhtdl}hqb{ 7 SIxqhDbldijx 68P , Vbd{lq ]qlobj ,, Enitxn* 1==?* 1; i}q* ]* ?*

1425*

{bqax. [b{xt*Xjxb hnhv. }iq{bdb}ij{ ni xj dljdxqt kh dqhibh 7 Sqhn Dbldijx 68P , [b{xt {bqax ,, Enitxn* 1==?* 1; i}q* ]* ?*

142?* Vbhqx. Blj*H}beqi` 7 SIxqhn Dbldijx 68P , Blj Vbhqx ,, Enitxn* 1==?* 1; i}q* ]* ?*

7/23/2019 BNM 4-2008

225/246


118

2 EHLEQIFBH* ABLEQIFBB* BT[LQBH2=1,2=; Iqohlnlebh* ]qhbt{lqbh* Vht{bebb

1422* Khqeidblv. Vinhj{bj*Dxn{xqi Dxdx{hjb j Aitiqiabi 7 bj{hqvbx dV* Khqeidblv. kld{* j iqohlnlebh. kbq* Bjt{* ]i{qb`ljbxnxb Dxn{xqin kh ni @lnklvhb , dljth`jiqh 7 Alqbt Vbhqx ,, Ji{xqi* 1==?* I}q* /Jq ;"* ]

2=? @ljleqifbb inh nldinb{bnlq 1;==* Qxtx. Kbjx*Hkbjh 7 lqixn dx }lvh{b kh bhqb b kh iwb , Kbj

,, Ji{xqi* 1==?* I}q* /Jq ;"* ]* 9;*

1;=9* Vbhqx. Alqbt*]hdh{hi. dlqliji b tdh}{qxn kl`jhtd in Bibxnxb ,Alqbt Vbhqx3 fl{leq* 7 Inhdx Qhjb ,, Ji{xqi* 1==?* I}q* /Jq ;"*

24,2; BT[LQBH 2; BT[LQBH EHJHQIN* BT[LQBH XJBVHQTIN

2;/;9,22" Bt{lqbi bjkbvbkxin i kbfhqb{hnlq qb1;=1* Cbjtcr. Ohkube*Tj{ xj dl}bn in qxbjhnlq 7 bj{hqvbx dx dlj{hti O

Cbjtcr , i kbinlei{ Lnhe Thqhaqbij ,, Kh`ldqibi* 1==?* 98 i}q* ]* 4

1;=4* ]ni{lj. Inh ijkqx-Fnlqbj*Dxvbj{h diqh xdbk 7 S}h ìqebjhi dqb[hqlqbt`xn bj{hnhd{xin 7 kbj 92;8 }j j }qhwhj{ kh Ghij ThvbnnbiOxìjb{it. 1==5P , Inh ijkqx-Fnlqbj ]ni{lj ,, Dlj{qiflq{* 1==?* I}q* /Jq;*

1;=;* Qh}xanbdi @lnklvi* ]iqni`hj{xn*Ol{qqhi ]iqni`hj{xnxb Qh-}xanbdbb @lnklvi dx }qbvbqh ni dljki`jiqhi ìqbb jfl`h{qb /Olnlkl`lq" k9241-9244 kbj Xdqibji 7 }qlbhd{ ,, Fnx dlj{bjxx 7 hk* kh vbjhqb* 1==?]* 2*

1;=8* Qldi. Bxqbh*Nbahq{i{hi kh i dxjli{h {qhdx{xn 7 SehjldbkxnXdqibji. ijbb 9241-9244 7 iq{* vbdh}qh* ]iqni`hj{xnxb Qh}* @lnklviP , BEnitxn* 1==?* 1; i}q* ]* 1*

2;/;5?" Bt{lqbi Qh}xanbdbb @lnklvi1;=6* *** Bt{lqbit gxkhdh }h dnbb Aitiqiabhb 7 `h`lqijkx`xn xjx

eqx} kh thji{lqb b kh}x{ib aitiqiahjb ib }iqni`hj{xnxb d{qh Qhehnh

Fhqkbjijk B ,, Dl`xjbt{xn* 1==?* ; i}q* ]* 83 * 1==?8* Th`ji{ 7 ]ij Oinb}}i. V* Diwidnbx. B* Axwkxeij. *** *

7/23/2019 BNM 4-2008

226/246


116

1;=5* Dhqjhi. Eohlqeoh*Kbj bt{lqbi `bdqbb kh }iq{bwijb j Qh}xa@lnklvi , Eohlqeoh Dhqjhi ,, Nb{* b iq{i* 1==?* 1; i}q* ]* 5*

1;=?* Dlnhtjbd. Bxqbh*Kht{bjxn nxb Dij{h`bq. di l t}bqin jhtfqb{ *Bxqbh Dlnhtjbd ,, Ji{xqi* 1==?* I}q* /Jq ;"* ]* 5*

1;=2* Dlnhtjbd. Bxqbh*Xj tdqbb{lq ivldi{ [b{xt [* T{lbci 7 S}hqbliki b{hqahnbd /9?24- ***"P , Bxqbh Dlnhtjbd ,, Ji{xqi* 1==?* I}q* /Jq ;"

1;9=* Dlqn{hijx-Eqijdbxd. Tbnvbi*L jlx }nij khkbdi{ @lnklvhb{hfijbhjh 7 S}h ìqebjhi }nijhb iqi @lnklvhb j {b`}xn kl`jbhb nxb {

@iqh b Tfj{* bjx{xqb. lqih. dh{b. d{b{lqb. ihwqb qxqinh i{ht{i{Eohlqeoh Jbdlnihv b Thqebx [iaxjdbd. Do* Bj{heqb{it. 1==?P , Tbnvbi DEqijdbxd ,, @lnklvi txvhqij* 1==?* 18 i}q* ]* 6*

1;99* Kiabgi. Jbdlnih*Khdhjbxn Xjbqbb 7 S2= kh ijb kh ni vl{iqhi Id{xXjbqbb Aitiqiabhb dx Ql`jbiP , Jbdlnih Kiabgi ,, Nb{* b iq{i* 1==?*

1;91* KhdniqibiIkxjqbb Tlnh`jh dljtidqi{h `}nbjbqbb i 2= kh ijb khni vl{iqhi Id{xnxb Xjbqbb Aitiqiabhb dx Ql`jbi ni 15 ìq{bh 929? 7 S15 ìqDobbjxP ,, Nb{* b iq{i* 1==?* 4 i}q* ]* 9*

1;94* Kbjhtdx. Vblqhn*Dx iqdxn jdlqki{* Xj ldob qkh. in{xn }njeh)S2= kh ijb kh ni id{xn Xjbqbb Aitiqiabhb dx Ql`jbiP , Vblqhn Kbjhtdx ,, Nb1==?* 95 i}q* ]* 9-1*

1;9;* Exx. Vbd{lq*Ti{xn Aiqialb bwvlq kh jhnh}dbxjh 7 Skbj bt{ldinb{bb. qibljxn KljkxhjbP , Vbd{lq Exx ,, Xjbvhqt }hkielebd }ql* ]* 6*

1;98* @lqiqx. Inh ijkqx*68 kh }qb`vhqb inh kl`jxnxb Eohlqeoh Dhq-jhi 7 S}qlfhtlq. bt{lqbdP , Inh ijkqx @lqiqx ,, Nb{* b iq{i* 1==?* 1; i

1;96* 2= kh ijbkh ni Xjbqhi Aitiqiabhb dx iqi-ì` 7 thdvhjh kh niIkxjiqhi tlnh`j dljtidqi{ `}nbjbqbb i 2= kh ijb kh ni vl{iqhi kh d{qh Tqbb i Id{xnxb Xjbqbb Aitiqiabhb dx Ql`jbi ,, Nb{* b iq{i* 1==?* Dx}qbjt 7 S2= kh ijb kh ni `l`hj{xn dqxdbin ***P , Ijkqhb Viq{bd3 Sijt xjjbnlq kbj AitiqiabiP , @boib Eob`}x3 Kht}qh fli`h. gijkiq`b b {txji`b , EqbVbhqx3 Ljlqi{ }xanbd. v tinx{ }h {lb dhb diqh txj{h` kh tb`bqh ql`jhitd

7/23/2019 BNM 4-2008

227/246


115

lqeoh ]inikh3 [li{h flqhnh }qleqhtbt{h. xjb{h j gxqxn FKQ@) , Fnlqbj DT}{iqx*

1;95* Qldi. [*Vnik Dbxaxddbx 7 L bt{lqbh i jhi`xnxb jlt{qx dhn ìqhS}h ìqebjhi dqbb Envjh{b }h i}i Dlanhijdb 7 xj }bd kh bt{lqbh Vnik Dbxaxddbx. Do*. hk* Bxnbij. 1==5P , [* Qldi ,, Xjbvhqt }hkielebd }q95 i}q* ]* 6*

1;9?* Tb`lj. Inh ijkqx*{hfij dhn @iqh b Tfj{. xj kb}nlì{ btdxtb{ ndljfnxhji @iqbnlq ]x{hqb kbj i klxi gx`{i{h i thdlnxnxb in _V-nhi 7 Sbj{Tb`lj. bt{lqbd dhqdh{{lq. Xjbv* Aiah-Alnrib. Dnxg-Ji}ldiP , dljth`jiqh [q ,, Fnx dlj{bjxx 7 hk* kh vbjhqb* 1==?* 99 i}q* ]* ;*

1;92* T{i{b. Vitbnh*Kht{bjxn xjxb {hwixq khtdljtbkhqi{ /1-;" 7 Sit}hd{bt{*P , Vitbnh T{i{b ,, @lnklvi ìqh* 1==?* 9. 98.11 i}q* Iq{* 9 7 9

1;1=* . * 7 . 7 SP , ,, * * 1==?** 8*

1;19*

B ,, @lnklvi ìqh* 1==?* i}q*

1;11* . * * * 7 S18 * 9292. P ,@lnklvi ìqh* 1==?* 9 i}q*

1;14* . * * , . ,, * * 1==?* 1; *

2;/;2?" Bt{lqbi Ql`jbhb1;1;* Eohjeohi. @bqdhi-Dqbt{bij*j Dobbjx `b }nid nldxqbnh ìb j-

dqdi{h kh bt{lqbh 7 bj{hqvbx dx bt{lqbdxn @*-D* Eohjeohi. }qh* in LKht}q`j{xnxb IT[QI @boibn Clenjbdhijx. Bib , bj{hqvbx qhinJhdob{ ,, Gxqjin kh Dobbjx* 1==?* 98 i}q* ]* 9=*

7/23/2019 BNM 4-2008

228/246


11?

1;18* . * 7 , ,, @lnklvi ìqh* 1==?* 98

2;/0948*9" Bt{lqbi ql`jbnlq 1;16* Kiabgi. Jbdlnih*L diq{h kh wbnh ìqb 7 S}h ìqebjhi dqbb Ql`

kbj gxqxn Ql`jbhb j bìebjb kh Vitbnh lbìqxP , Jbdlnih Kiabgi ,, Nb{*1==?* 95 i}q* ]* 9*

2;/096" Bt{lqbi }l}liqhnlq tnivh1;15* . * * -

7 S* * 7 -* * * * , ,, Ijinr{byxh @lnk}qhti* 1==?* 92. 16 * * * 7 91 *

7/23/2019 BNM 4-2008

229/246


112

BJKH_ KH JX@H NIDQLJBDI IQ[BDLNHNLQ KH EIWH[ JQ;-1==?

IIaiabb. Blj 1959. 1952Iaqi`lvi 1=22Ikiij. [iìqi 9?;?Ifljbj. Inb` 1=;5Igkhq. Dlqbji 14=9Igkhq. [hlklq 1925Inhdtijkqb. Vitbnh 11?=Inh ijkqx. Blij 11?9

Inh hb-Aqilvijx. Ji{inbi 1=28Inh hbdbxd. Ijehni 19?6Ijklj. Nxk`bni 1=?=Ijklj. Vbd{lq 114?-42Ijkqhb. Q* 195=Ijkqbh. Ini 9?12Ijkqljbd. Tbnvbi 1914Ijht{bikb. Vitbnh 1951Ij{ljbxd. Inh ijkqx 1182Iqeohwb. [xklq 11?1

Iqìx. Nbnbiji 14=1I{bfhjb. Qlkbdi 1=?9 A

Aiabj. Vbd{lqbi 1958-56Aiaxd. @ljbdi 11=55Ainij. Hkxiqk 9241Anbdb. Eohlqeoh 14=4-=5Aij{hi. Ini 9295Aiqijdhijx. Jbji 199;

Aiqajhieq. Inh hb 1=;9Aiqeij. Blj 1941Aqnkhijx. Jbdlnih 1=;?A{d. Vhqljbdi 1455Abhx. Jbdlnih 19;?-;2Anij. Vbd{lqbi 9?41Anij-]l}i. Vbd{lqbi 1=26Ahnb. Nbvbx 9?;9. 145?Ahjkit. @boib 1=25-2?Ahjhi. Qikx 9??6Ahqeobi. Blj 11?4Ahqbn. Vinhqbx 1=;2

Ahqwlb. Nxk`bni 1151Ahnhie. Vnikb`bq 14=?Abvln. Iji{ln 1198Abvln. Bqbji /1198"Agiqel. Dhdbnbi 1195Agiqel. ]h{hq 1196Alieobh. Kbljbtbh 1=8=Alald. @iqbj 9295Alkbxn. Bvij 114?Alei{x. Nxk`bni 19==

Alei{x. ]h{qx 9??5-?2. 9244. 9288Aleobx. Hxehjbi 191;Alnhi. {hfij 11?;Alqkhbijx. Nhl 14=2Alqbtlvi. Nxk`bni 1=;5Alqwbj. Ixqhnbi 149=Al{jiqdbxd. Vitbnh 115;Al{jiqx. Lnhe 1=5=Alij. Belq 9242Aqieob. Kx`b{qx 9?2=Axkhijx. Eohlqeoh 924;Axkwi. Lnhe 9252Axglq. ]ivhn 19?2Axnbei. Vinhj{bji 9?54Axnbe. Vinhj{bji 92?4Axqid. Ijkqhb 1499Axqd. Hxehjbi 19=2Axqhi. Bqbji 1=48-46Axqhi. Bqbji 1=;=. 19;8Axqbij. Inh ijkqx 1=4=Axqnidx. Eh{i 1195Axqnidx. Bxqbh 1491Axtxbld. Thqebx 1944Ax{jiqbxd. Iji 9295Ax{jiqx. Nhl 1494Ax{xdhn. [hlklqi 149;Axwx. Ijehni 1=?1D

Diàiqlv. Ini 9??9Di}a{x{. J* 1=22Diqi. Tvh{niji 9?51. 9?56. 1=45. 9258

7/23/2019 BNM 4-2008

230/246


14=

Diqijfbn. Jbjhni 1452Diqklji. Fqijdbtdl 1=89Dqnij. Fnlqbj 1;96Ditbij. Blj 192;Diwidnbx 1;=6Dhaijx. Lnei 11=9Dhal{iqb. Blj 1924Dhdij. Kijbhn 92?=Dh}qiei. Hnhji 1919Dhqiqb. Iq{xq 9?29Dhqaxd. ]ivhn 19=;Dhqdivtdob. Hnhljlqi 19=9Dhqjhi. Eohlqeoh 1;=5Dhqjhi. Eohlqeoh 1;98Dhqjhb. Dqbt{bji 1=?4Doi}}hn. Fqhk 1152Dohbijx. Dljt{ij{bj 9?21. 9251Dohnhi. Ijehni 9?44Dobdx. Klbji 19=2Dob`}x. Kbji 14??Dob}hq. Eqbelqh 14?=Dobqbn. Vbd{lq 9261Dobqbnlv. Vblqbdi 1=;2. 1=84. 1=88Dobqbi. Iji 194;Dobq{lid. Klqbj 1=81Dobtjhjdl. Ijehni 1==1. 1=8;. 119?.

11=2. 1198Dob{bdiqb. [xklq /1959"Dob{lqlie. Kx`b{qx 116;Dobvqbei. Vblqhn 1==;. 1=1=Dbal{iqx. Iji{lnbh 19=1. 195;Dbal{iqx. Iqob} Tb`blj 1498. 14?2Dbelqhijx. [i{biji 9?;1Db`}lb. @boib 1469Dblaijx. Iji{ln 1151. 115;Dblaijx. Eohjikbh 929=Dblaijx. Blj 1=59. 1496Dblaijx. Jikhgki 1962Dblaijx. Jbdlnih 9248Dblaijx. Qibti 1495Dblaijx. Vbd{lq 925;Dblaijx. Vb{inbh 1451Dbldijx. Ixqhn 149?Dbldnhi. Hxehj 1492-1=. /11;?"

Dbldlb. Eohlqeoh 1419-11. 1424-2;Dbldlb. Vinhqbx 92?=

Dblqa. [lì /1965"Dblqbdb. Ijehni 19=;Dblqjhb. Vthvlnlk 9?;5. 9?24Dbxal{iqx. Iji{ln 19=1Dbxaxddbx. Vnik 1;95Dbxnhb. [olìt 11;=Dbx{id. @iqbji 1912Dnbì. Jbdlnih 1=;9Dldqn. ]ivhn 19;;Dlkqhijx. ]ivhn 1=66Dlkqx. @iqbiji 9?4?Dlgldiqx. Kbjx 1414Dlgldiqx. @boib 1929Dlgxjhijx. Vikb` 1=84Dlnhtjbd. Bxqbh 1965. 1116Dlnhtjbd. Bxqbh 1;=?-=2Dljkqhi. Dljt{ij{bj 141;. 14?9Dljbx. @boib 9?;4. 9286Dlqax. Oiqiniàbh 14?1Dlqn{hijx-Eqijdbxd. Tbnvbi 1;9=Dlqnhij. [b{xt 9246-45Dlt`htdx. Inh 146?Dlt`tdx. Inh 14?4Dltjbdhijx. @iqbi 1158Dlt{hjdl. Jbdlnih 142=Dl{h. Vnik 1=8;Dlqladhijx. Tvh{niji 19=9Dqijeidb. Vb{inbh 9?2;Dqhvhkbi. Jbdlnih 11?8Dqbt{in. Lnhe 9?64-6;. 924?. 9285-8?Dqxkx. Kx`b{qx 14?;Dxdxqxwjhid. Bxnbi 1=?;Dxqiex. @boib 11;9 K

Kiabgi. Hnhji 9?4;Kiabgi. Jbdlnih 19?9. 1116. 1;99. 1;16Ki`bij. Nbvbx 1418Kijbhn /]i{qbiqoxn Abthqbdbb Lq{lkl h

Ql`jh" 9?;2Kijbnlv. Thqebx 1182Kiqbh. [hlklq 1=51Khnhx. Hdi{hqbji 9??9Khqeidblv. Vinhj{bj 1422Kbidljx. @bqdhi I*1459Kbidlv. Kx`b{qx 92=2

7/23/2019 BNM 4-2008

231/246


149

Kbjhtdx. Vblqhn 1;94Kblqkbhv. H* 1=22Klei. Inh ijkqx 1416Klneij. @boibn /119?". 14?8Kljlt. Vnikb`bq 1=88Klqi. Vbd{lq 9242Klqleij. Vinhqbij 9??1Kqeij. Ixqhn 116=Kqex. ]ivhn 1919Kqx. Blj 1415. 14?1Kxdi. Eohlqeoh 1951Kxdchqt. [ijgi 9?4=. 145=Kx`bt{qdhn. T{hnbij 1156Kxjeidbx. Kij 9?28. 9282Kxjbj-Uitlubdw. ]iuhn 1925Kx}nivi. @iqbi 1918Kxqjhi. Vnik 1948 H

Hjidob. [xklq 19=2Htbjhjdx. Jbdlnih 141?Hijx. Vhqljbdi 81451Hijx. Vb{inbh 9?18Hdx. Blj 115; F

Fiabij. Jbdlnih 14?6Fhkhqbxd. Jbdlnih 9299. 9245. 92;8Fhnhi. Ixqhnbi 9?26Fbni{. Vnikb`bq 92=2Fbnb`lj O`xqiqx. 1194Fbnb}. Bxnbij. 1412Fbjb{b. Thqebx 11;9Fnlqhi. @iqeiqh{i 19=4Flqt{hq. Fq* U* 9?;8Fqxj{ib. Bxnbij 92;=Fxqkxb. 19?=Fxtx. @boib 11;6Fx{hb. Jbdlnih 9?8=E

Eiìq. Ijkqhb 144=Eijeij. Wbjibki 19=;Eiqiai. Vnikb`bq 1985Eqjh. Vitbnh 146=

Ei{ht. Abnn 9255Eixei. ]h{qx 1169Eivqbnb. Qibti 19=2Eivqbnbxd. Hxehj 19?1Eivqb. I* 1=22Enxd. Blj 1=54Enxd. Vinhj{bji 9?;?. 9?8?Eohjeohi. @bqdhi-Dqbt{bij 1;1;Eohlqeob. Jikbji 1=5;-58. 111;.

11;8. 118=Eohqìj. Kbl`bk /1952-?8"Eohqìj. @iqdhn 1192Eohqìj. [b`lfhb 19=8Eobkbqb`. Eohlqeoh 19?;Eob`}x. @boib 1;96Eobhtdx. Jbdlnih 11?6Eqn. Dlqbji /9?4=-49"Eldbx. Tb`blj 11?5Elkhi. @boib 9?25Elkhi. @boib 929=Elklqlgi. @bch 111=Elei. Ld{ivbij 11??Elnaij. @iqbi 1=?8Elnxa. [xklq 1=86Elqhndl. [i{biji 1954El{di. @iqeiqh{i 92?9Eqhdhijb. Wbjibki /9291"Eqhdlv. Bxqb 1469Eqhdx. Inh ijkqx 11;8Eqhdx. @boib /1191"Eqltxn. Vnikbtniv 9?2?Eqlwivx. Jbt{lq 11=2Exkbì. Inblji 9?48Exijx. Hxehj 1946Exx. Inbji 1984Exx. Vbd{lq 1;9;Exxnhid. Kx`b{qx 199;Exweij. Vblqbdi 1=?6Erq. Qikx 11?2 O

Oikgbx. Vbd{lq 9?22Oinb}}i. ]ij 1;=6Oijeijx. Gijh{i 1=49Oiqiaidb. Hnhji 92?=Oahtdx. [iìqi 19=6

7/23/2019 BNM 4-2008

232/246


141

Oqbt{lv. Olqbi 1449Oxeoht. Nijet{lj 1152Oxb{fhnk{. It{qbk 198;

B Bidob`. Blj 1=52. 14?5Bidla. ]h{qx 1441Bijx. @iqbxt 1444Biqlvlb. Nbvbx 19?5Bh}xqh. Kbiji 11;5Bljhtdx-Yxbj{xt. @bqdhi 112=Bljb. Vhidhtniv 1==8Blqkij. Eohlqeoh 9?89. 1=92Blqkij. Bvb 9295Blqkdohtdx. Vblqhn 1185Bltb}. Ehlqeh 1=8?. 1941. 194;Blvdhv. Blj 195=Btid. Ijkqhb. 198?Bt{qi{b. Ijehni. 1=?5-??Bxei. @iqbiji 1=98Bxqdx. Klqbji 119=Bvitbxd. N* 1=22 jtxqhn. [i{biji 11;6Bxqdhjdl. Tvh{niji 92?4Bx{b. Vikb` 1944Bxexnhtdx. Dljt{ij{bj /1962" G

Gbex. Blj 9?51Gltij. D{nbj 1119-14Gltijx. [iìqi 19=?Gltx. Bxnbiji 9?5;Gxjd. Jbji 1111Gxqi Hxehjbi 1919 C

Cij{lq. [ikhxt 1181Cittbh. Jhlx 9??4Cbjtcr. Fhqkbjijk 1945Cbjtcr. Ohkube 1;=1 N

Niab. Jbdlnih 1129Nidxt{i. V*19?=Nijei. Ijkqhb 144;

Niqdl. Vitbnh 1121Niqbb. [iìqi 9?46Niijlvtdob. ]ivhn 92?;Nixjeonbj. Gi`ht 1152Nivqbd. Jbdlnih 194?Niwq. Wbjibki 199;Niwxq. Kx`b{qx 1=42Nhiox. Einbji 1982Nhiox. Qlkbdi 1916Nhttbje. Klqbt 115?Nhvdhjclv. Ji{inbi 1161Nbtjbd. Hnhljlqi 9?8;Nbtjbd. Blij 9?81Nb{qi. Nhljbk 92;9Nlvbjhtdx. @ljbdi 1451Nlwbjtdob. Qibti 11=81Nxdi. Inh 1==8. 1=98Nx}x. Bnbh 1942Nx}xlq. Inh ijkqx 199=Nx}xlq. [iìqi 92?4 @

@idNhbto. Iqdobaink 1152@ikkl . Qlkjhr 1152@ibdij. Kiqbi 199;@inbd. Qlkbdi 92?;. 1924@jtdxq{. Blij 1448. 14?5@ijkigb. Ifijitbb 9??8. 1454@ijhi. Jlqìj 1454@ijlnidoh. Vhidhtniv 1944@ijxbn. Tvh{niji 194=@iqijkbdb. Blj 1=41@iqdohn /h}btdl} kh Anb b Fnh{b" 9@iqdx. H`bnbij 1124@iqkiqb. Blj 81461@iqkiqlvbdb. Di{bjdi 1988@iqbj. Eohlqeoh 1446@iqbj. @iqbiji 1999@iqbjdbxd. Ixqhn 1991@iqbjhtdx. Inh ijkqx 1164@iqbjhtdx. Vinhqbi 1919@iqindlvtdob. [hlklq 19;=@i{idoh. Qkxi 92;1@i{dlvtdob. Kx`b{qx 92==. 19?4. 14??@i{hhvbdb. Inh h 1445@i{hhvbdb. Inh hb 144?-42

7/23/2019 BNM 4-2008

233/246


144

@iqxnhi. Eiaqbhni 1116@boibn. Kbjx. 9??;@bobn. Vnik. 9?8;@bqb. Vnik /1118"@bqlj. Vblqhn 1=96@bbj. Vikb` 92=9@b{qbxd. T{hni 111;@jkdijx. Vbqebn 1942@qwhjdl. T* 191?@ldijx. Belq 145;@ldijx. Vhqljbdi 92?=@lei. ]ivhn 118?@lnklvij. Bxnbi 19=;@lqiqx. I* 19;=@lqiqx. Inh ijkqx 1;98@lqiqx. Iji{ln 14;=@lqiqx. Oiqini`abh 92=1@lqlij. Nbnbiji 1=?2. 1994@xqhij. Bxnbx. 116;@xt{hi. [qibij 1169@boibn Vblqhn 1=96 J

Jiejbahki-[vhqklonha. [i{biji 1=58Jij{lb. Liwx 9?56Jijx. Kb`b{qbh 14;9Jitx. Bnbh 1915Jivlnlidi. Kx`b{qx 1=2=Jt{ith. Qwvij @boib 1465Jhiex. Vhqljbdi 19;9Jhdob{. Bqbji 119;. 1;1;Jhkhnhi. Blj 11=6Jheqx. Jbdlnih 92=;. 92;4. 9264-6;Jheqx. Vhidhtniv 1=92Jhex. Ijkqhb 1=11Jbdl 1118Jbdlnih Txnid 1116Jbdlnihtdx. Thqebx 11;1Jbdlnihv. Eohlqeoh 1;9=Jbdlnihvi. J* 1=22Jbdlnhjdl. Lnei 926?-62L

Laik. [ohlklq 196;Lniqx. Ijehnbji 19?6

Ljdhijx. Iji{ln 92=8Ljlfqhb. Ehlqeh 1451L}qhi. @iqbxt 1458Lt{if. Thqebx 92=6 ]

]inikh. Eohlqeoh 1;96]inbb. Inh ijkqi 926=]innikb. [xklq 14?2]ijitbxd. Alqbt 1168]ijfbn. Lnhe 1464]ijfbn. Vitbnh 1=85]iqitdobv. Dqbt{bji 1921]iqbb. Thqebx 1956]itdin. Ji{inbi 92?=]tn. Lnei 1998]i{dohj. Chjjh{o 1152]ixn-Akhtdx. Dhwiq 1454]ivbd. @bnlqik 1465]kxqiqx. Iji{ln 142=]kxqiqx. Ijehni 1115]kxqiqx. ]ivhn 9?6=. 1195. 14;1. 11;2]hbx. [l`i 92=?]hlenl-[bqlj. Nbnbiji 1=29]h{qhi. Ehlqeh 14;4]h{qx /@b{ql}lnb{ in Aitiqiabhb b H iqo in

]nibxqbnlq" 9?88]lbi{.]h{qx 9?22]qid. @iqbiji 19=;]tniqx. Ji{inbi 194=]ni{o. Trnvbi 1152]ni{lj. Inh ijkqx-Fnlqbj 1;=4]n`khin. Nlqi 1996]lobn. Vnik 1452]lbi{. Alqbt 1=42]lbi{. @boib {hfij 145=]lnhijtdob. @boib 9254]l}. Blij 112;]l}i. Eohlqeoh 1154]l}i. Jbdlnih 14?=]l}i. [ijbi 11;5]l}lvbdb. Ixqhn 92?4]l}lvbdb. [hlklq 14;;. 145?]l}lvbdb. Vnik 14;8]l}xlb. Nbnbiji 1118. 14?4=]lt{bd {hfjhtdx. Blj 14;6

7/23/2019 BNM 4-2008

234/246


14;

]lt{bd. Eohlqeoh 196=]lt{lnidob. ]* 1=21]l{je. [i{biji 9?29]lxjk. Hwqi 1152]qi}lqdbd. Thqebx 9?86. 1118]qhikdl. Hxehj 1919]qldi. Blj 1191. 1115]qldi. Blj 1428]qlkijbxd. @iqbji 1=56]qlobj. Vbd{lq 1426]qx{hijx. ]h{qx 9?86 Q

Qiahb. Thqebx 925;Qi. @iqbiji 9242. 92;1Qiwalqtdob. Nxk`bni 195=Qakx. ]iqitdlvbi 1=5?Qhialv. Eohlqeoh 19;1Qhjb. Inhdx 196=Qldidbxd. Vbd{lqbi 1194Qleid. Qibi 19=2Qlelwijx. Dlt{b 145;Qlbax. Jbdlnih 92=8. 1=49. 111?Qlìj. Inh ijkqx /1=;5"Qlìj. Hnhji 1919Qlìjdbxd. Vitbnh 14;5Qldi. Fhnbdbi 9294Qldi. Oiqini`}bh 1=24Qldi. Bxqbh 9299. 925;. 1;=8Qldi. [* 1;95Qldi. Vbqebjbi 9242. 1=;?Qldlvijx. Hxehj 92??Ql{iqx. Ijit{itbi 1=9?Qxt. Ixqhnbij 9?26Qxtx. Inh ijkqx 1116Qxtx. Kbjx 1112. 1;==Qxtx. @iqbji 199;Qxtx. L* 19?=Qxtx. Lwhi 19?;Qxtx. [xklq /9?;9". 92?=T

Tigbj. Qlkbdi 1954. 19?5Tinbb. Iji 1995Tijkaxqe. Diqn 1152

Tqax. Ij{ljbji 1948. 142=Tqax. L{bnbi 1=6;Tixhqaqhr. Fqijwbtci* 9?49Tndxij. @boib 9?42Tqjx. Tbnvbi 1199Tq{bn. Vnik 199?. 1919Tdlablin. Tbnvbi 1921Tdx{hnjbdbxd. Blij 19;4Thdqhijx. {hfij 9242. 925;Thqhaqbij. Lnhe 9?55. 92=2. 1945Thvbnnbi. Ghij 1;=4Tb`lj. Inh ijkqx 1;9?Tqax. L{bnbi 9?8?Tnx{x-Tlqldhijx. Jbji 1429Tldobqd. Ijkqhb 11;?-;2Tldlq. Vnik 92;8-;6Tldlq. Vnikb`bq 9242Tlniji. Givbhq 92;5Tlnl`lj. Dljt{ij{bj 19;;Tln{ij. ]h{qx 19?;Tlqlt. Ehlqeh 1=14Tlvbijr. Ld{ivbij 1456T}{iqx. [xklq 1;96T}qbjdhij. Hìjxhni 14;?T{ijdx. Wioiqbi 1128T{i{b. Vitbnh 9294. 1;92T{jdx. Hnhljlqi 1189T{jhtdx. Jbdob{i 1126-25T{hvhjt. Uinnidh 1152T{lbci. [b{xt [*/1;=2"T{qi{ij. Blj 1184T{qi{ij. Vinhj{bji 1955T{qhndbxd. Blij 1==;. 1==6. 19;4.Txdhvhijx. Iqdikbh 14;2Txkix. @bdoihn Ubhqtbje 9?;;Txqxebx. Ieifbi 1=2;Twigdwrc. Kx`b{qbi 119;hniqb. Einbji 1==5lbìqx. Vitbnh 1=92. 1;16{hfijbxd. Vbd{lq 118=-89{hfq. Tlqbji 92;?. 9246{bqax. [b{xt 148=. 1425x{di. Nbkbi 1=22[

[iaxjdbd. Thqebx 1;9=

7/23/2019 BNM 4-2008

235/246


148

[iìwndiqx. Hnhji 198=. 1489[iqclvtcb. Ijkqhb 146=[aq. Vitbnh 1=2=[jith. Dljt{ij{bj 9?68. 929;-98[jith. Vbd{lq 92=6. 1985. 192=[q. @iqbxt 1;9?[didhjdx. Kx`b{qx 199?[hnhvdi. Jbdlnih 1=52[hlejlt{h. @boib 112?[b`x. I* 9?66[bjbd. Inh ijkqx 1=8?[lfij. Hxehjbi 9?65. 1=;=. 1=;;. 19;8[lì. Ijkqhhi 1481[ljbi. I* 1429[qbfx. @bqdhi 1122[qbjdi. Nbnbi 1154. 1155[xqhi. Niqbti 1181[xq{. Vinhqbx 1168axnhid. @iqbiji 11=4xnhi. Lnhe 9258xqdij. Thqifbì 1992xqdijx. Inbji 9?6?. 9246. 1=92. 19=5xqdijx. Ijkqhb 1484xqdijx. Jbdlnih 191=xqdijx. Vnikb`bq 92=2xqhi. Vinhj{bj 1958X

Xnioijlvi. Tvh{niji 1=66Xjexqhijx. Hnhji 1158Xjexqhijx. Blj 1184Xj{bn. Vhidhtniv 9296Xqtx. Tbnvbi 1119Xqtx. Vitbnh 192=Xt{xqlb. Jbdlnih 11=6V

Vicxnlvtcb. Inh ijkqx 148;Vicxnlvtcb. @boibn 1196. 1488. 111=.

11;1Viq{i. Blj 1=55Viq{bd. Ijkqhb 9?45

Vitbnidoh. Qibti 1989-81Vitbnbx. Nxdbij 1459

Vitbnbx. Vikb` 1464Vitbnlb. Vinhqbij 1185Vhkx{hjdl. Ijkqhb 1=Vbhqx. Alqbt 1421. 1;=9Vbhqx. Eqbelqh 19?8. 1486-85Vbhqx. Blj 142?Vbjldxqlv. @iqbji 92??Vblqhn Dblaijx. 1185Vndx. @boib 148?Vnikb`bq /@b{ql}lnb{ in Dobbjxnxb b in

j{qhebb @lnklvh" 9?82-6=Vnit. @boib 19?2Vnitdlv. Iji{lnbh /199?"Vlbdxnhtdx. Vitbnh 14=9Vlbjlvij. Thqifbì 1=6;Vlb{xj. Ijh{i 195;Vlqljbj. Vnikb`bq /9242"Vlqljbxd. Bji 9?;6Vhkx{hjdl Ijkqhb 1==5U

Ubnnbi`t. Ubnnbi` Diqnlt 1152 W

Wikjb}qx. ]h{qx 1482Whnhjdl. ]h{qx 1911

. 114=. 192?. 11;4. /1188". 1928. 196?. 195?. 1;1=

. 192?. 116?-5=. 929?. 9211. 9?5=. * 19=;. 9?;=. 1986

7/23/2019 BNM 4-2008

236/246


146

. 1==?. 1986. 1=65. 9292. 1=19

. 1146. 1968. 1166. 92;2 /

" 9?69. 19??. 9268. 118; 1986

. 11;4. 9?58. 114=. 19;5. 1149-41. 9266. 92?8-?6. 1922. 1=82

. 11=?. 1=44. 1=;8. 1165. 1==2. /1961". 1968. 1;1=. 1==2. . 146;

. 9224

. 11;;

. 1926. 9219. 9289. 1468

. 1=9=

. 11=5 118;. 9281. 1949. 92?2. 1=99. 9211. 1926. 9214. 921;. 1=4;. 1=68. 1=65

. 1144. 9218. /195?". 11=4

. 1466. 1922. 1=;1. 1149. 1148. 9284. 1=1;. 9?15. 9216-. 19;6. 11=;. * 1;11

. 11=8. 9215

7/23/2019 BNM 4-2008

237/246


145

. 9221-24. 1966. 1186. 1==?

. 11==. 9?58. 116?. 114;. 1;18. 9221. 1=6=-69. 1=6=. 19??. 922;. 1964. 1=4;

. . 1=18. 1162. 1=16. 9?5?-52. 9228. 1===. 1;15. 9212. 9269. 1=94

. 1462. 1968. 1961. 1928. 9?59. 1=19. 1964. 11==. 928;. i 195?. 195?. 924=. 11=6. 9249. 9?61. 1969. 1;14. 1=69. * 1==9

. 9266. 19;5

. 922;-26. 115=. 11=4-=;. 9?61. 1;14. 1=62. 9256. 928;. 1188. 1148-46

. 114;. 1145. 9265. 1=65. 19;6. 1=82-6=

. 1=15

. 1186. 1969. 9216

. 1=64. 1159. 1165. 9292. 9284. . 1145

. 1=62. 9225-22. 922=. 1=9;.

11=5

. 1141

. . 9?1?. 9?62

7/23/2019 BNM 4-2008

238/246


14?

Nbt{i eiwh{hnlq i dqlq iq{bdlnh ix flt{ fbi{h j !Dqljbdi iq{bdlnhnlq khJq ;- 1==?

9* Inbiji @lnklvi Jlit{q1* In{iqxn dqhkbjhb4* Ijinr{byxh @lnk}qhti;* Di}b{ini8* Dl`xjbt{xn6* Dlj{qiflq{ /Jq ;"5* Dxqbhqxn lq{lkl?* Kh`ldqibi2* Khwvln{iqhi9=* Kqh}{xn99* Kqh}{xn `hx91* Hdl94* Fdnbi9;* Fnlqbnh kinah98* Fnx dlj{bjxx* Ijdoh{96* Fnx dlj{bjxx* Hdljl`bd95* Fnx dlj{bjxx* Tj{i{h9?* Fnx dlj{bjxx7 dl{bk* ji*92* Fnx dlj{bjxx7 hk* kh vbjhqb

1=* Eiwh{i abanbl{hdiqxnxb /Bij*-Fhaq*"19* Enitxn11* Bj{heqiqhi hxql}hij. }it dx }it

/Khd*"*14* Gxqjin kh Dobbjx

1;* Nb{hqi{xqi b iq{i18* @lnklvi @iqh16* @lnklvi txvhqij15* Ji{xqi1?* T}{`ji12* T}lq{ }nxt4=* T{iqh kh xqehj49* [b`}xn kh kb`bjhi41* Xjbvhqt }hkielebd }ql44* Vldhi }l}lqxnxb4;* Wbiqxn kh eiqk48* @lnklvi Jlit{q46* 45* 4?* 42* ;=* }nxt;9* ;1*

;4* ;;* ;8* ;6* 0 Di}b{ini;5*

7/23/2019 BNM 4-2008

239/246

142

DX]QBJT

DQLJBDI DQBB *************************************************

= EHJHQINB[B **************************************************** == Aiwhnh ehjhqinh inh dxjli{hqbb b dxn{xqbb**********************

==; {bbji b {hojlnlebi dindxni{liqhnlq* ]qhnxdqiqhi ki{hnlq*************** =9 Abanbleqifbh* Di{inlieh **************************************** =1 Abanbl{hdljl`bh***********************************************

=6 Lqeijbwibb b in{h {b}xqb kh dll}hqiqh* Itldbibb* Dljeqhth* H }lwbbb* @xwhh******************************************** =69 Lqeijbwibb* Itldbibb* Dljeqhth* H }lwbbb************************ =62 @xwhh********************************************************

=? ]lnbeqifbb* Nxdqqb dlnhd{bvh ********************************** =?5*8 ]xanbdibb }hj{qx {bjhqbb db{b{lqb*******************************

9 FBNLWLFBH* ] TBOLNLEBH********************************************** 9,9; Fbnlwlfbh***************************************************

1 Q HNBEBH* [ HLNLEBH************************************************* 11 Abanbi ******************************************************* 14,1? Dqh{bjbt`* Qhnbebh dqh{bj******************************* 12 Qhnbebb jhdqh{bjh *******************************************

4 [BBJH TLDBINH************************************************** 49 T{i{bt{bd* Kh`leqifbh* Tldblnlebh****************************** 41 ]lnb{bd ***************************************************** 44 Hdljl`bh* {bbjh hdljl`bdh *************************************

4; KQH][* GXQBT]QXKHJ******************************************** 48 Ik`bjbt{qibh }xanbd* Iq{ `bnb{iq**************************** 46 Itbt{hj tldbin* Itbexqqb tldbinh****************************** 45 Hkxdibh* jv`j{* Bjt{qxbqh* [b`} nbahq *********************

7/23/2019 BNM 4-2008

240/246

1;=

42 H{jlnlebh* H{jleqifbh* Labdhbxqb* [qikbbb* Ki{bjb* @lk kh vbi* Flndnlq ******************************************************

8 @I[H@I[BD * [BBJH INH JI[XQBB************************************* 89 @i{h`i{bd ************************************************** 81 It{qljl`bh* Ehlkhwbh******************************************* 84 Fbwbd ***************************************************** 8; Dob`bh* Dqbt{inleqifbh* @bjhqinlebh***************************** 88 Ehlnlebh* {bbjh ehlnlebdh b ehlfbwbdh ************************* 85 {bbjh ablnlebdh ********************************************* 8? Al{ijbd*****************************************************

6 [BBJH I]NBDI[H* @HKBDBJ* [ HOJBD********************************** 69 @hkbdbj**************************************************** 61 Bjebjhqbh* [hojbd j ehjhqin************************************ 64 Ieqbdxn{xq* {bbjh b }qldhkhh jqxkb{h* Tbnvbdxn{xq* H }nli{

ieqbdlnh b inh vbhbb tnai{bdh ******************************** 68 Dljkxdhqh b lqeijbwiqh j bjkxt{qbh. dl`hq b dl`xjbdibb *******;4 62 Nxdqqb kh dljt{qxdbb /kh dith j }qbjdb}in"* `i{hqbinh kh

dljt{qxdbh* {hojlnlebb b }qldhkhh j dljt{qxdbb ****************** 5 I Q[ * Q HDQHHQH* KBVHQ[BT@HJ[* T]LQ[ ********************************

54,56 Iq{h }nit{bdh* Iq{h khdlqi{bvh ******************************** 52 Kbvhq{bt`hj{* Qhdqhhqh* Gldxqb* T}lq{**************************

? NBJEVBT[BD* FBNLNLEBH* NB[HQI[XQ ********************************** ?=,?9 ]qlanh`h ehjhqinh dx }qbvbqh ni nbjevbt{bd b nb{hqi{xq*

Fbnlnlebh***************************************************** ?1 Nb{hqi{xq**************************************************

2 EHLEQIFBH* ABLEQIFBB* BT[LQBH*************************************** 2=1,2=; Iqohlnlebh* ]qhbt{lqbh* Vht{bebb******************************** 2=? @ljleqifbb inh nldinb{bnlq **************************************

7/23/2019 BNM 4-2008

241/246

1;9

29 Ehleqifbh* H }nlqiqhi }`j{xnxb b i kbfhqb{hnlq qb* Dn{lqbb 6? 212 {bbjh ableqifbdh b jqxkb{h************************************

24,2; Bt{lqbh**************************************************** 2; Bt{lqbh ehjhqin* Bt{lqbh xjbvhqtin***************************** Bjkh kh jx`h ni !Dqljbdi dqbb! Jq ;-1==? ***************************

Bjkh kh {b{nxqb ni !Dqljbdi dqbb! Jq ;-1==? *************************** Bjkh kh txabhd{h *************************************************** Bjkh kh hkb{lqb**************************************************** Bjkh BTAJ hqlji{h **************************************************

DQLJBDI IQ[BDLNHNLQ KH QHVBT[******************************


==9 {bbj b dxjli{hqh j ehjhqin *********************************** ==; {bbji b {hojlnlebi dindxni{liqhnlq* ]qhnxdqiqhi ki{hnlq*************** ==8 @ijieh`hj{ ******************************************************

=9 Abanbleqifbh* Di{inlieh **************************************** =1 Abanbl{hdljl`bh*********************************************** =6 Lqeijbwibb b in{h {b}xqb kh dll}hqiqh* Itldbibb* Dljeqhth*

H }lwbbb* @xwhh******************************************** =69 Lqeijbwibb* Itldbibb* Dljeqhth* H }lwbbb************************

=2 @ijxtdqbth* Abanblfbnbh*************************************** 9 FBNLWLFBH* ] TBOLNLEBH**********************************************

9,9; Fbnlwlfbh*************************************************** 1 Q HNBEBH* [ HLNLEBH*************************************************

14,1? Dqh{bjbt`* Qhnbebh dqh{bj******************************* 4 [BBJH TLDBINH**************************************************

49 T{i{bt{bd* Kh`leqifbh* Tldblnlebh******************************

41 ]lnb{bd *****************************************************

7/23/2019 BNM 4-2008

242/246

1;1

44 Hdljl`bh* {bbjh hdljl`bdh ************************************* 4; Kqh}{* Gxqbt}qxkhj***************************************** 48 Ik`bjbt{qibh }xanbd* Iq{ `bnb{iq**************************** 46 Itbt{hj tldbin* Itbexqqb tldbinh****************************** 45 Hkxdibh* jv`j{* Bjt{qxbqh* [b`} nbahq ********************* 42 H{jlnlebh* H{jleqifbh* Labdhbxqb* [qikbbb* Ki{bjb* @lk kh vbi*

Flndnlq ****************************************************** 8 @I[H@I[BD * [BBJH INH JI[XQBB*************************************

84 Fbwbd ***************************************************** 8; Dob`bh* Dqbt{inleqifbh* @bjhqinlebh***************************** 88 Ehlnlebh* {bbjh ehlnlebdh b ehlfbwbdh ************************* 85 {bbjh ablnlebdh ********************************************* 8? Al{ijbd*****************************************************


ieqbdlnh b inh vbhbb tnai{bdh ******************************** 68 Dljkxdhqh b lqeijbwiqh j bjkxt{qbh. dl`hq b dl`xjbdibb *****948 66 [hojlnlebh dob`bd* Bjkxt{qbb dob`bdh b jqxkb{h ***************** 65,6? Bjkxt{qbb. `hthqbb b jkhnh{jbdbqb }hj{qx kbvhqth `i{hqbinh****94

5 I Q[ * Q HDQHHQH* KBVHQ[BT@HJ[* T]LQ[ ******************************** 51 Iqob{hd{xq************************************************* 58,56 ]bd{xq* Iq{h eqifbdh* Eqifbd* Eqivxq ********************** 5? @xwbd ***************************************************** 52 Kbvhq{bt`hj{* Qhdqhhqh* Gldxqb* T}lq{**************************

? NBJEVBT[BD* FBNLNLEBH* NB[HQI[XQ **********************************

7/23/2019 BNM 4-2008

243/246

1;4

?=,?9 ]qlanh`h ehjhqinh dx }qbvbqh ni nbjevbt{bd b nb{hqi{xq* Fbnlnlebh*****************************************************

?1 Nb{hqi{xq************************************************** 2 EHLEQIFBH* ABLEQIFBB* BT[LQBH***************************************

29 Ehleqifbh* H }nlqiqhi }`j{xnxb b i kbfhqb{hnlq qb* Dn{lqbb*************************************************************

2; Bt{lqbh ehjhqin* Bt{lqbh xjbvhqtin***************************** Bjkbdh kh jx`h ni !Dqljbdi iq{bdlnhnlq kh qhvbt{! Jq ;-1==? *******984

Nbt{i qhvbt{hnlq. dxnhehqbnlq b }xanbdibbnlq dlj{bjxh inh dqlq iq{bdlnh txjfbi{h j !Dqljbdi iq{bdlnhnlq kh qhvbt{! Jq ;-1==?*******************

DQLJBDI IQ[BDLNHNLQ KH EIWH[********************************


==; {bbji b {hojlnlebi dindxni{liqhnlq* ]qhnxdqiqhi ki{hnlq***************

==6 T{ijkiqkbwiqh b t{ijkiqkh***************************************** ==? Dbvbnbwibh* Dxn{xq* ]qleqht*********************************** =1 Abanbl{hdljl`bh*********************************************** =6 Lqeijbwibb b in{h {b}xqb kh dll}hqiqh* Itldbibb* Dljeqhth*

H }lwbbb* @xwhh******************************************** =5= Wbiqbt{bd* ]qht**********************************************

9 FBNLWLFBH* ] TBOLNLEBH********************************************** 95 H{bdi* Fbnlwlfbh `lqin* Fbnlwlfbh }qid{bd**********************

1 Q HNBEBH* [ HLNLEBH************************************************* 19 [hlnlebh ji{xqin* [hlkbdhh ************************************* 14,1? Dqh{bjbt`* Qhnbebh dqh{bj*******************************

4 [BBJH TLDBINH************************************************** 4= [hlqbb. `h{lklnlebh b h{lkh j {bbjhnh tldbinh******************* 49 T{i{bt{bd* Kh`leqifbh* Tldblnlebh******************************

7/23/2019 BNM 4-2008

244/246

1;;

41 ]lnb{bd ***************************************************** 44 Hdljl`bh* {bbjh hdljl`bdh ************************************* 4; Kqh}{* Gxqbt}qxkhj***************************************** 48 Ik`bjbt{qibh }xanbd* Iq{ `bnb{iq**************************** 46 Itbt{hj tldbin* Itbexqqb tldbinh****************************** 45 Hkxdibh* jv`j{* Bjt{qxbqh* [b`} nbahq ********************* 42 H{jlnlebh* H{jleqifbh* Labdhbxqb* [qikbbb* Ki{bjb* @lk kh vbi*

Flndnlq ****************************************************** 8 @I[H@I[BD * [BBJH INH JI[XQBB*************************************

81 It{qljl`bh* Ehlkhwbh******************************************* 8; Dob`bh* Dqbt{inleqifbh* @bjhqinlebh***************************** 86 ]inhlj{lnlebh************************************************** 85 {bbjh ablnlebdh *********************************************


ieqbdlnh b inh vbhbb tnai{bdh ******************************** 6; Hdljl`bh ditjbd* {bbjh kl`ht{bdh* j{qhbjhqhi dithb ************1= 66 [hojlnlebh dob`bd* Bjkxt{qbb dob`bdh b jqxkb{h ***************** 65,6? Bjkxt{qbb. `hthqbb b jkhnh{jbdbqb }hj{qx kbvhqth ì{hqbinh****1= 62 Nxdqqb kh dljt{qxdbb /kh dith j }qbjdb}in"* ì{hqbinh kh

dljt{qxdbh* {hojlnlebb b }qldhkhh j dljt{qxdbb ****************** 5 I Q[ * Q HDQHHQH* KBVHQ[BT@HJ[* T]LQ[ ********************************

59 Tbt{hì{bwiqh fbwbd* Tbt{hì{bwiqh qhebljin. xqaij b qxqin*Xqaijbt`* ]hbtigh* ]iqdxqb* eqkbjb*******************************

54,56 Iq{h }nit{bdh* Iq{h khdlqi{bvh ******************************** 58,56 ]bd{xq* Iq{h eqifbdh* Eqifbd* Eqivxq **********************

7/23/2019 BNM 4-2008

245/246

1;8

55 Fl{leqifbh b id{bvb{b tb`bniqh* Dbjh`i{leqifbh ****************** 5? @xwbd ***************************************************** 52 Kbvhq{bt`hj{* Qhdqhhqh* Gldxqb* T}lq{**************************

? NBJEVBT[BD* FBNLNLEBH* NB[HQI[XQ ********************************** ?=,?9 ]qlanh`h ehjhqinh dx }qbvbqh ni nbjevbt{bd b nb{hqi{xq*

Fbnlnlebh***************************************************** ?1 Nb{hqi{xq**************************************************

2 EHLEQIFBH* ABLEQIFBB* BT[LQBH*************************************** 24,2; Bt{lqbh**************************************************** 2; Bt{lqbh ehjhqin* Bt{lqbh xjbvhqtin***************************** Bjkh kh jx`h ni Dqljbdi iq{bdlnhnlq kh eiwh{ Jq ;-1==? *********112

Nbt{i eiwh{hnlq i dqlq iq{bdlnh ix flt{ fbi{h j !Dqljbdi iq{bdlnhnlq kheiwh{! Jq ;-1==?***********************************************

7/23/2019 BNM 4-2008

246/246

Documents

BNM 4-2008