cf7f}+ jflif{s ;fwf/0f ;ef ;DaGwL ;rgf Annual Report.pdf · #= jflif{s ;fwf/0f ;efdf efu lng] dxfg'efjx?n] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /flvg] pkl:ylt k'l:tsfdf b:tvt ug'{ kg]{5

1

cf7f}+ jflif{s k|ltj]bg @)&#÷)&$

cf7f}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

o; 8]end]G6 a}+ssf] ;~rfns ;ldtLsf] ldlt @)&$÷)(÷)^ df a;]sf] !@( cf}+ a}7ssf]

lg0f{ofg';f/ o; ljsf; a}+ssf] cf7f} aflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf

b]xfosf ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g @)^# sf] bkmf ^&

adf]lhd ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/L tyf pkl:yltsf nflu of] ;"rgf k|sflzt

ul/Psf] 5 M

!_ ldlt, :yfg tyf ;do

ldlt M @)&$ ;fn k'if @( ut] zlgaf/ -tb\g';f/ !#, hgj/L @)!*_

:yfg M xf]6]n cf]k]/f k|f=ln= dx]Gb|gu/ , s~rgk'/ .

;do M laxfg !!M#) ah]

@_ 5nkmnsf ljifox? M

s_ ;fdfGo k|:tfj

-!_ ;~rfns ;ldltsf] tk{maf6 cWoIfHo"sf] cf=a=)&#÷)&$ sf] aflif{s k|ltj]bg kfl/t

ug]{ .

-@_ n]vf kl/Ifssf] k|ltj]bg ;lxtsf] @)&$ cfiff9 d;fGtsf] jf;nft / ;f]xL ldltdf

;dfKt cf=j=)&#÷)&$ sf] gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0f

nufotsf ljQLo ljj/0fx? Kfl/t ug]{ .

-#_ n]vf kl/If0f ;ldltsf] l;kmfl/z adf]lhd cfly{s jif{ )&$÷&% sf nflu afXo

n]vfk/LIfs lgo'Qm ug]{ / lghsf] kfl/>lds tf]Sg] .

-$_ ;+rfns ;ldltn] k|:tfj u/] adf]lhd r'Qmf k"FhL ?=$%,)$,%),)))=)) sf]

)=^$(!Ü sf b/n] x'g] /sd ?=29,23,684.21- cIf/]kL pGtL; nfv t]O{; xhf/ 5 ;o rf}/f;L k};f PSsfO{; dfq_ s/ k|of]hgsf nflu gub nfefFz ljt/0f ug]{

k|:tfj kfl/t ug]{ .

v_ ljz]if k|:tfj

-!_ ;~rfns ;ldltaf6 k|:tfj u/] adf]lhdr'Qmf k"FhL ?=$%,)$,%),)))=)) sf]

!@=##Ü sf b/n] x'g] /sd?=%,%%,%),)))=))-cIf/]kL kf+r s/f]8 krkGg nfv krf; xhf/ dfq_/sd a/fa/sf] af]g; z]o/ hf/L ug{ :jLs[t ug]{ tyf pQm

cg'kftdf af]g; z]o/ hf/L ubf{ z]o/wgLsf] efudf x'g cfpg] bzdnj kl5sf]

Fraction Share cFsnfO{ kl5 ;dfof]hg ug]{ u/L oyfjt /fVg] .

-@_ k|aGwkqsf] bkmf ^ -v_, / ^ -u_ tyf lgodfjnLsf] lgod @& -@_, #), / #@-!_ df

;+;f]wg ug]{ .

-#_ ljsf; a}+ssf] k|aGwkq / lgodfjnLdf ;+;f]wg ug]{ ;DalGw k|:tfj kfl/t ug]{ tyf

pQm ;+;f]wgdf lgodgsf/L lgsfoaf6 -sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6«} a}+s

cflb_ km]/abn ug{ ;'emfj jf lgb]{zg lbPdf ;f] cg'?k cfjZos ;dfof]hg ug{

;+rfns ;ldlt jf tf]s]sf] JolQmnfO{ clVtof/L k|bfg ug]{ k|:tfj kfl/t ug]{ .

u_ ljljw

;+rfns ;ldltsf] cf1fn]

sDkgL ;lrj

2


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

!= cf7f} jflif{s ;fwf/0f ;ef k|of]hgsf nflu o; 8]enkd]G6 a}+ssf] z]o/wgL btf{ k'l:tsf tyf

;fwf/0f z]o/ bflvnf vf/]hL sfo{ ldlt )&$÷)(÷@! ut] Ps lbg aGb /xg] 5 . g]kfn :6s

PS;r]~h ln=df ldlt @)&$÷)(÷@) ut] ;Dd sf/f]jf/ eO{ ldlt @)&$÷)(÷@& Uft] sfof{no ;do

leq o; ljsf; a}+ssf] z]o/ /lhi6«f/ Unf]an cfO{PdO{ Soflk6n lnld6]8, hdn, sf7df08f}}df k|fKt

z]o/ gfd;f/Lsf] lnvtsf] cfwf/df z]o/wgL lstfadf sfod z]o/wgLx?n] o; ;efdf efu lng tyf

nfefFz kfpg' x'g]5 .

@= n]vf kl/If0fsf] k|ltb]bg ;lxt ljsf; a}+ssf] aflif{s cfly{s ljj/0f, ;+rfns ;ldltsf] k|ltj]bg

sDkgL P]g @)^# sf] bkmf &* adf]lhdsf] k|ltj]bg ;d]tsf sfuhftx? lgl/If0f ug{ tyf

k|ltlnlk cfjZos ePdf sfof{no ;do leq ljsf; a}+ssf] k|wfg sfof{no, ledbQ gu/

kflnsf j8f g= $, dx]Gb|gu/, s~rgk'/ tyf o; 8]enkd]G6 a}+ssf] z]o/ /lhi6«f/ Unf]an

cfO{PdO{ Soflk6n lnld6]8, hdn, sf7df08f}}df ;Dks{ /fVg ;lsg] Joxf]/f cg'/f]w 5 . ;fy} cfly{s

ljj/0f nufotsf aflif{s ;fwf/0f ;efdf k]z x'g] k|:tfjx? 8]enkd]G6 a}+ssf] j]e ;fO{6

www.kanchanbank.com.np df klg x]g{ ;Sg' x'g]5 .

#= jflif{s ;fwf/0f ;efdf efu lng] dxfg'efjx?n] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /flvg]

pkl:ylt k'l:tsfdf b:tvt ug'{ kg]{5 . z]o/wgL pkl:ylt xflh/ k'l:tsf laxfg (M)) ah] b]lv

;ef ;DkGg geP;Dd v'Nnf /xg] 5 .

$= ;fwf/0f ;efdf ;xefuL x'gsf nflu k|ltlglw -k|f]S;L_ lgo"Qm ug{ rfxg] z]o/wgLx?n] k|rlnt

sDkgL sfg"gn] tf]s]sf] 9fFrfdf k|ltlglw kq -k|f]S;L kmf/d_ ;ef z'? x'g' eGbf sDtLdf $*

306f cufj} a}+ssf] s]lGb|o sfof{no, dx]Gb|gu/ s~rgk'/df btf{ u/fO{ ;Sg' kg]{5 .

%= z]o/wgLx?n] PseGbf a9L JolQmx?nfO{ cfkm\gf] z]o/ ljefhg u/L jf cGo s'g} lsl;daf6

5'§ofO{ k|f]S;L lbg kfpg' x'g] 5}g . o;/L lbOPsf] k|f]S;L ab/ x'g] 5 .

^= z]o/wgLn] cfkm\gf] k|ltlglw -k|f]S;L_ lgo"Qm ubf{ cfkm" h'g ;d'xsf] z]o/wgL xf] ;f]xL csf]{

z]o/wgLnfO{ dfq k|f]S;L lbg kfOg]5 .

&= PseGbf a9L JolQmx?sf] ;+o"SQm gfddf z]o/btf{ /x]sf] cj:yfdf ;j{;Ddtaf6 k|ltlglw rog

ul/Psf] Ps hgfn] dfq jf nfut lstfadf klxnf] gfd pNn]v ePsf] JolQmn] ;efdf efu lng

;Sg' x'g]5 .

*= k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]sf] cj:yfdf z]o/wgL cfkm} ;efdf pkl:yt pkl:ylt k'l:tsfdf

b:tvt u/]df To:tf] k|ltlglw -k|f]S;L_ :jtM /2 ePsf] dflgg] 5 .

(= s'g} z]o/wgLn] k|ltlglw -k|f]S;L_ lgo'lQm ubf{ cfkm\gf] gfddf /x]sf] ;Dk"0f{ ;fwf/0f z]o/sf]

k|ltlglw -k|f]S;L_ Pshgf JolQmnfO{ dfq d's// ug'{ kg]{5 . Ps k|ltlglw -k|f]S;L_ kmf/ddf Ps

eGbf a9L JolQmnfO{ k|ltlglw -k|f]S;L_ lgo'lQm ul/Pdf To:tf] lgo'lQm ab/ x'g]5 . Ps

z]o/wgLn] Ps eGbf a9L k|ltlglw -k|f]S;L_ kmf/d dfkm{t Ps eGbf a9L k|ltlglw -k|f]S;L_ d's//

u/]df o; 8]enkd]G6 a}+ssf] k|wfg sfof{nodf klxn] btf{ ePsf] k|ltlglw -k|f]S;L_ nfO{ dfq

dfGotf lbOg]5 . ;+ul7t ;+:yf z]o/wgLsf xsdf ;+:yfn] kq ;lxt tf]ls v6fPsf] jf

dgf]gog u/]sf] k|ltlglwn] ;fwf/0f ;efdf efu lng kfpg] 5g .

!)= gfafns jf ljlIfKt z]o/wgLsf xsdf ljsf; a}+ssf] z]o/wgL k'l:tsfdf ;+/Ifssf] ?kdf gfd

btf{ ePsf] JolQmn] dfq ;fwf/0f ;efdf efu lng jf k|ltlglw -k|f]S;L_ tf]Sg ;Sg' x'g]5 . t/

gfafnssf] ;+/Ifsn] ;+rfns kbdf pDd]bjf/ / c? z]o/wgLsf] k|f]S;L Nofpg kfpg] 5}g .

!!= ;fw/0f ;efdf ;DalGw yk hfgsf/L cfjZos k/]df sfof{no ;do leq 8]enkd]G6 a}+ssf]

k|wfg sfof{no , ledbQ gu/kflnsf j8f g=$, dx]Gb|gu/, s~rgk'/ tyf o; ljsf; a}+ssf]

z]o/ /lhi6«f/ Unf]an cfO{PdO{ Soflk6n lnld6]8, hdn, sf7df08f}}df ;Dks{ /fVg ;lsg] Joxf]/f

cg'/f]w 5 .

3


k|ltlglw -k|f]S;L_ kmf/d

>L ;~rfns ;ldlt

s~rg 8]enkd]06 a}+s lnld6]8

k|wfg sfof{no – eLdbQ gu/kflnsf –$, s~rgk'/

dxfzo,

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

===================================== n] To; ljsf; a}+ssf] z]o/jfnfsf] x}l;otn] @)&$ kf}if @( ut] zlgjf/sf

lbg x'g] cf7f}+ aflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg]

ePsf]n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ==================================================

lhNnf========================================g=kf÷uf=lj=; j8f g= ==================+=j:g] To; 8]enkd]06 a}+ssf

z]o/jfnf >L ======================================== z]o/ k|df0f kq g=+ ==================================== nfO{

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

k|ltlglw lgo'Qm ePsf] JolQmsf],

x:tfIf/sf] gd'gf

z]o/wgL k|df0fkq g=+

ldlt

lgj]bs,

b:tvtM

gfdM

7]ufgf

z]o/ k|df0fkq g+=M

z]o/ ;+VofM

s~rg 8]enkd]06 a}+s lnld6]8

k|j]z kq

z]o/wgLsf] gfdM ===================================================================================== z]o/ k|df0f kq

g=+======================================== z]o/wgLsf] x:tfIf/==================================== z]o/+=;+VofM

======================= z]o/ k|df0f kq k=+============================== s~rg 8]enkd]06 a}+s lnld6]8sf] ldlt

@)&$ kf}if @( ut] x'g] cf7f}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|a]z kq .

sDkgL ;lrj

b|i6JoM

!= z]o/wgL cfkm}n] vfnL 7fFpx?df eg'{ x'g cg'/f]w 5 .

@= ;ef sIfdf k|a]z ug{ of] k|j]z kq clgjfo{ lnO{ cfpg'x'g cg'/f]w 5 . cGoyf k|j]z ug{ kfOg] 5}g .

4


cf7f} aflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tk{maf6

cWoIfHo"åf/f k|:t't k|ltj]bg

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

s~rg 8]enkd]G6 a}+s lnld6]8sf] cf7f}+ jflif{s ;fwf/0f ;efdf z]o/wgL dxfg'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 cf7 jif{ 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 ævÆ ju{sf If]lqo :t/sf ltg lhNn] ljsf; a}+sx?sf nflu @)&$ ciff9 d;fGt ;Dddf

Go"gtd r'Qmf kF"hL ?= %) s/f]8 k'¥ofpg kg]{ lgb]{zg hf/L u/]sf] lyof] . ;f]lx lgb]{zgsf] kfngf

:j?k o; 8]enkd]G6 a}+sn] g]kfn /fi6« a}+sn] tf]s]sf] Go"gtd r'Qmf kF"hL ?=%) s/f]8 k'¥ofO{ ;f]

dfkb08 xfl;n ug{ ;kmn ePsf] 5 .

ca d o; cf7f} ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6 cf=a= )&#÷&$ sf] n]vf k/LIf0f

k|ltj]bg ;lxtsf] jf;nft, gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0f nufot ;Dk"0f{ cfly{s

ljj/0fx? tyf ;+rfns ;ldltsf] k|ltj]bg ;d]t of] ul/dfdo ;efdf :jLs[tLsf nflu 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] ?= !) s/f]8 *^ nfv $^

xhf/df ? % s/f]8 ^% nfv cyf{t\ %@ k|ltztn] dfq a[l4 eO{ ? !^ s/f]8 %! Nfv $^ xhf/

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 (& xhf/ /x]sf] z'MNs tyf sldzg cfDbfgL o;

cf=j=df ?= @* nfv *( xhf/ cyf{t\ !&=^@ k|ltztn] a9]/ ?= ! s/f]8 (@ nfv *& xhf/ k'u]sf]

5 . To:f}u/L a}+ssf] ;~rfng nfutdf klg a[l4 ePsf] 5 . ahf/sf] cj:yf / zfvf ;+hfn

a9]sfn] ;f]xL cg'?k a[l4 ePsf] xf] . ut cf=j= df a}+ssf] sd{rf/L vr{ ?= ! s/f]8 !! nfv&#

xhf/ cyf{t\ $$=&! k|ltztn] a[l4 eO{ ?= # s/f]8 ^! nfv ^% xhf/ k'u]sf] 5 . To:t}u/L, ;f]

5


cjlwdf cGo ;~rfng vr{ rfFlx ? ! s/f]8 &# nfv $^ xhf/ cyf{t\ *)=@^ k|ltztn] a9]/ ?=

# s/f]8 *( Nffv %* xhf/ k'u]sf] 5 . kmn:j?k a}+ssf] ;~rfng d'gfkmf ? @ s/f]8 !( nfv

(* xhf/n] cyf{t #@=)( k|ltztn] a9]/ ?= ( s/f]8 % nfv $( xhf/ k'u]sf] 5 . cl3Nnf] cfly{s

jif{df eg] of] ?=^ s/f]8 *% nfv %! xhf/ lyof] .

o; cjlw;Dddf a}+sn] shf{ gf]S;fgL jfktsf] Joj:yf? # s/f]8 (& nfv *^ xhf/ 5'§ØfPsf] 5

.shf{ gf]S;fgL Aoj:yfdf ePsf] j[l4 jfktsf] ?= ! s/f]8 %^ nfv !^ xhf/ / shf{ gf]S;fgL

Joj:yfaf6 ?= ! s/f]8 !( nfv &$ xhf/ lkmtf{ u/]sfn] kmn:j?k o; jif{ v'b shf{ gf]S;fgL

Joj:yftkm{ a}+sn] yk ?=#^ nfv $! xhf/ Joj:yf u/]sf] 5 . ;du|df ;dLIff cjlwdf a}+ssf]

v'b d'gfkmf ? *) nfv %$ xhf/sf] a[l4 ;lxt ?=& s/f]8 !@ nfv &! xhf/ k'u]sf] 5 . of]

cl3Nnf] cf=j=sf] t'ngfdf !@=&$ k|ltzt a9L xf] . ;f] cjlwdf a}+ssf] v'b d'gfkmf ?= ^ s/f]8 #@

nfv !^ xhf/ /x]sf] lyof] .

ut cf= j= df a}+ssf] jf;nfttkm{ s"n ;DklQ ?= ! ca{ ( s/f]8 !* nfv (& xhf/ cyf{t\

$(=@@ k|ltztn] a[l4 ;lxt ?= # ca{ #! s/f]8 % nfv @) xhf/ k'u]sf] 5 . cl3Nnf] jif{ of] ?=

@ ca{ @! s/f]8 *^ nfv @@ xhf/ lyof] . To:t}u/L, a}+ssf] s"n lgIf]k / s"n shf{ qmdzM

$&=$( k|ltzt / $)=#( k|ltztn] a[l4 x'Fb} ?= @ ca{ *@ s/f]8 ## nfv *@ xhf/ / ?= @ ca{

#) s/f]8 *^ nfv !# xhf/ sfod ePsf] 5 eg] s"n nufgL #!=%# k|ltztn] 36L ?= ! s/f]8

#( nfv %# xhf/ sfod ePsf] 5 .

;dLIff cjlwdf a}+ssf] lglis|o shf{ -PgkLP_ s]xL cg'kftdf 36]sf] 5 . cl3Nnf] cf= j= df !=($

/x]sf] PgkLP cg'kft o; cf=j=df 36]/ )=(( 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 . 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 k|lt z]o/ cfDbfgL@)=#@ 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

qm=;+= ljj/0f ;dLIff jif{

@)&#÷)&$ utjif{ @)&@÷)&#

j[l4

k|ltzt

1 s'n lgIf]k 2,823,382,482.90 1,914,240,767.89 47.49 2 s'n shf{ 2,308,612,889.42 1,644,383,535.38 40.39 3 v'b Aofh cfDbfgL 165,146,434.46 108,646,088.67 52.00 4 cGo cfDbfgL -sldzg / cGo

z'Nsx?_ 19,286,881.21 16,397,057.65 17.62 5 sd{rf/L vr{ 36,164,980.00 24,991,657.12 44.71

6


6 cGo ;+rfng vr{ 38,957,914.08 21,612,049.48 80.26 7 ;~rfng d'gfkmf 90,549,204.15 68,551,195.05 32.09 8 ;Dk"0f{ sf/f]af/ ;dfj]z kl5sf]

v"b d'gfkmf 112,199,595.35 96,481,679.71 16.29 9 s'n v'b d'gfkmf 71,270,833.20 63,216,370.88 12.74 10

k"FhLsf]if -k|ltzt_ 16.69 14.72 13.35 11

k|lt z]o/ cfDbfgL -?=_ 20.57 25.54 (19.47) 12

lgis[o shf{ -k|ltzt_ 0.99 1.94 (49.00) 13

shf{ lgIf]k cg'kft 69.26 73.19 (5.37)

@= /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 ;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 .

7


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] .

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 .

#_ rfn' cfly{s jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;+rfns ;ldltsf] wf/0ffM

-s_ ljlQo kl/;'rsx?M

Rffn' cfly{s jif{ @)&$÷)&% sf] c;f]h d;fGt ;Ddsf] sfo{ k|ult ut jif{sf] ;f]xL cjlwsf]

k|ult ;+u t'ngf ubf{ lgDg cg';f/ ePsf] cg'/f]w ub{5' .

qm=;+= ljj/0f

cf=j=@)&$/)&% c;f]]h d;fGt;Dd

cf=j=@)&#/)&$

c;f]]h d;fGt;Dd

j[l4

k|ltzt

1 s'n lgIf]k 3,046,216,759.26 2,086,974,824.82 45.96

2 s'n shf{ 2,686,176,747.14 1,869,908,295.38 43.65

3 Aofh cfDbfgL 86,472,477.70 55,468,803.30 55.89

4 Aofh vr{ 56,107,430.09 26,627,504.73 110.71

5 v'b Aofh cfDbfgL 30,365,047.61 28,841,298.57 5.28

8


6 sldzg tyf l8:sfp06 3,503,060.79 2,929,585.92 19.58

7 cGo ;+rfng cfDbfgL 5,490,507.02 2,676,142.50 105.16

8 sd{rf/L vr{ 12,246,739.64 8,459,680.46 44.77

9 cGo ;+rfng vr{ 9,587,573.00 8,046,633.19 19.15

10 lgoldt sf/f]af/af6 ePsf]

d'gfkmf 15,821,688.70 12791673.53 23.69

11 v'b d'gfkmf -gf]S;fg_ 10,068,347.35 8,140,155.88 23.69

v_ zfvf lj:tf/M

o; 8]enkd]G6 a}+sn] zfvf lj:tf/sf] nflu a}+s gePsf zx/L , cw{zx/L / u|fld0f If]qnfO{

k|fyfldstf lbb} tL If]qdf lj:tf/ ;+u} a}lsË r]tgf km}nfpb} hfg] of]hgf agfPsf] 5 . xfn a}+sn]

s~rgk'/ lhNnfsf] ledbQ g=kf= $ df s]lGb|o sfof{no ;lxt !$ j6f zfvfx? / ! j6f

PS;6]Gzg sfpG6/ af6 cfkm\gf u|fxsx?nfO{ ;]jf k|bfg ub}{ cfO/x]sf] 5 . ut cfly{s jif{df a}+sn]

s}nfnL lhNnfsf] ;'Vv8 ahf/, af}lgof ahf/, nDsL ahf/ / l6sfk'/ ahf/df gofF zfvf lj:tf/

u/]sf] 5 / ;fy} s~rgk'/ lhNnfsf] u'nl/of ahf/df e{v/} gofF zfvf ;+rfngdf cfO{;s]sf] 5 .

a}+sn] cfufdL cfly{s aif{df ;DefJotf cWoog u/L s~rgk'/, s}nfnL, / 88]Nw'/f lhNnfx?df yk

gofF zfvfx? lj:tf/ ug]{ of]hgf lnO{Psf] 5 .

u_ lgIf]k of]hgfM

a}lsË If]qdf b]lvPsf] k|lt:klw{ jftfj/0fnfO{ dWogh/ ub}{ ;j{;fwf/0fsf] lgIf]k ;'/IffnfO{

Joj;flos wd{ 7fgL pgLx?sf] lgIf]kdf plrt k|ltkmn lbg] / ;a} ju{, tx / tKsfsfnfO{

cfjZos kg]{ ljleGg lsl;dsf art sfo{s|dx? ;+rfngdf NofPsf 5f} . cfufdL lbgdf a}+ssf]

cfjZostf / ahf/sf] rfxgf cg'?ksf ljleGg lsl;dsf lgIf]k of]hgfx? Nofpg] nIo /x]sf] 5 .

3_ shf{ nufgLM

a}lsË Joj;fosf] d'Vo d]?b08 eg]sf] g} shf{ nufgL ePsfn] o;sf] ;'Jojl:yt tl/sfn]

Jo:yfkg ug'{ clt h?/L x'G5 . o; 8]enkd]G6 a}+sn] shf{ nufgL ubf{ Cl0fsf] gub k|jfxsf]

l:ylt, C0fsf] ;b'kof]lutf, kl/of]hgfsf] klxrfg, kl/of]hgfn] :yflgo ahf/df Nofpg] cfly{s

ultljlwsf] lj:t[t ljZn]if0f / lghn] a}+snfO{ lbg] lwtf]sf] u'0f:t/sf ;fy} C0fLn] sfd ug{ ;Sg]

Ifdtf / of]Uotfsf] d'NofÍg u/L dfq shf{ nufgL u/L/x]sf 5f} h;n] ubf{ eljiodf shf{

c;'nLdf s'g} ;d:of cfpg] 5}g . a}sn] shf{ nufgL ubf{ ko{6g, s[lif / :yflgo pTkfbgd'ns

If]qnfO{ ljz]if k|fyfldstf lbPsf] 5 / ;fy} ahf/sf] dfu cg';f/ n3' shf{ ;'ljwf cem Jofks

u/LPsf] 5 . o; shf{n] ufFpsf hgtfx?sf] cfly{s pkf{hgdf dxTjk"0f{ e"ldsf vn]sf] 5 /

eljiodf klg u|fxsx?sf] dfu cg';f/sf gofF gofF shf{ ;'ljwfx? Nofpg] nIo lnO{Psf] 5 . o;

a}+sn] ;Ifd kl/of]hgf;+u ;xsfo{ u/L s~rgk'/, s}nfnL / 88]Nw'/f lhNnfx?sf lap pTkfbg ug]{

s[ifsx?nfO{ a}+s lglt cGt{ut /xL ljlQo ;xof]u ub}{ cfO{/x]sf] 5 . a}+ssf] sfo{If]q leq ;Defjgf

/x]sf If]qx? ko{6g, lrof, skmL, kmnkm'n, ufO{kfng, afv«fkfng, t/sf/L v]tL;+u cfj4 eO{ sfd

ug]{ pBdLx?nfO{ ljz]if k|fyfldstf ;fy shf{ nufgL ug]{ lglt a}+sn] lnPsf] 5 / ;fy} s~rgk'/

lhNnfsf ;fy} cGo sfo{ If]q ePsf lhNNffsf] cfly{s pGgtLsf nflu ;DalGwt lgsfo;+u

xft]dfnf] ub}{ cuf8L a9g] nIo cfufdL lbgdf o; 8]enkd]G6 a}+sn] lng]5 .

9


ª_ /]ld6fG; ;]jfM

s'n u|fx:Yo pTkfbgdf d'Vo of]ubfg k'/\ofpg] /]ld6fG; /sd / ;f] /]ld6fG; /sd leqofpg]

g]kfnLnfO{ a}+sn] :yfkgfsfnb]lv g} k|fyfldstf lbb} cfPsf] 5 . a}+ssf] sfo{If]qaf6 cfo cfh{gsf

nflu ljb]lzg k'u]sf g]kfnLx?n] cfkmGtsf] xftdf ;xh} /]ld6fG; /ds k'/\ofpg ;lsof]; eg]/

a}+sn] j]:6g{ o'lgog /]ld6, cfO{PdO{ /]ld6, k|e' /]ld6, lxdfn /]ld6, l;l6 PS;k]|;, gljn /]ld6,

k[YjL PS;k|]; /]ld6, l/nfojn /]ld6, d]uf /]ld6, ;D;f/f /]ld6, Pe/]i6 /]ld6, l;bfy{ /]ld6 h:tf

dlg 6«fG;km/ ;]jf dfkm{t ;]jf k'/\ofpb} cfPsf] 5 . a}+sn] cGt{b]lzo /]ld6fG; ;]jfsf nflu klg

ljleGg yk sDklgx?;+u ;xsfo{ ub}{ cuf8L a9g] nIo lnPsf] 5 . ut cfly{s aif{df o;

8]enkd]G6 a}+sn] ?=&) s/f]8 !$ nfv xf/fxf/Lsf] l/ld6fG; /sd e"QmfgL lbPsf] lyof] .

r_ ATM, / df]afO{n a}lsË, O{G6/g]6 a}lsË ;]jfM

k|ljlwo'Qm a}+lsÍ ;]jfsf] kl/sNkgf cg'?k g} a}+sn] cfkm\gf u|fxsx?nfO{ ATM / df]afO{n

a}lsË;]jf k|f/De u/L ;s]sf] 5 / cfufdL cfly{s jif{ leq O{G6/g]6 a}lsË ;]jf klg ;+rfngdf

Nofpg] of]hgf 5 .a}+sn] xfn d'Vo zfvf sfof{no dx]Gb|gu/ / wgu9L zfvf af6 ATM ;]jf k|bfg

z'? u/L ;s]sf] 5 eg] cfufdL lbgdf ;DefJotf /x]sf zfvfx?df klg ATM ;]jf lj:tf/ ug]{

/0flglt lnPsf] 5 . To;}u/L a}+sn] cfkm\gf u|fxsx? nflu Online r]s Clearing ;'ljwf klg

k|bfg ub}{ cfO{/x]sf] 5 .

5_ ;+:yfut ;'zf;g tyf ;fdflhs pQ/bfloTjM

o; 8]enkd]G6 a}+sn] a}lsÍ Joj:yfkgsf pRr Joj;flos dfkb08nfO{ cjnDag ub}{ ;+:yfut

;'zf;gsf l;4fGtx?nfO{ k|ltj4tfk"j{s kfng ub}{ cfPsf] 5 . lgodgsf/L lgsfox?sf] gLlt

lgb]{zgx?nfO{ s8fO{sf;fy kfngf ub}{ cfPsf] 5 . To;}u/L n]vf kl/If0f ;ldlt, cfGtl/s n]vf

kl/If0f, afXo n]vf kl/If0fsf ;'emfjx?nfO{ ;dodf g} cfTd;fy u/LPsf] 5 . hf]lvd Joj:yfkg

;ldlt, sd{rf/L ;]jf tyf ;'ljwf ;DalGw ;ldlt, ;DklQ z'4Ls/0f lgjf/0f ;DaGwL

;ldlt,sd{rf/L :t/Lo ljleGg ;ldltx?n] cfkm\gf] e"ldsf k|efjsf/L ?kdf ;DkGg ul//x]sf 5g .

8]enkd]G6 a}+ssf] lbuf] ljsf;sf nflu ;+:yfut ;'zf;gsf] l;4fGt kfngf clgjfo{ zt{ ePsf]

s'/fnfO{ o; ljsf; a}+ssf] ;+rfns ;ldltn] cfTd;fy u/]sf] 5 . ljsf; a}+ssf] lgoldt

Joj;flos lqmofsnfksf cltl/Qm sfo{If]q leqsf ljleGg ;+3 ;+:yfx?n] ug]{ ;fdflhs Pj+

/rgfTds sfo{s|dx?nfO{ ;d]t ;Sbf] ;xof]u k|bfg u/LPsf] 5 . o; 8]enkd]G6 a}sn]

jflif{sf]T;jsf] cj;/ kf/L /Qmbfg sfo{qmd, cgfyfnonfO{ gub ;xof]u, a[4 a[4fnfO{ vfBGg

lat/0f, lhNnf ckfË ;+3nfO{ sDKo'6/ ljt/0f / u/La c;xfo laBfly{x?nfO{ 5fqa[lt k|bfg ug]{

nufotsf sfo{qmd ub}{ cfO}/x]sf] 5 / ;fy} cfufdL lbgx?df o; 8]enkd]G6 a}+sn] cfkm\gf]

sfo{If]q leq /x]sf ljleGg ;fdflhs ;+3 ;+:yfx?nfO{ cfjZos ;xof]u / ;xsfo{ ub}{ ;fdflhs

pQ/bfloTj ;DalGw sfo{ lgltut Joj:yf u/L cuf8L a9fO{g] 5 .

$_ cf}Bf]lus tyf Jofj;flos ;DaGw M

o; 8]end]G6 a}+sn] cfkm\gf u|fxsju{, ljleGg ;+3 ;+:yf tyf lgsfox?;+u ;b}j kf/blz{tfsf]

cfwf/df Joj;flos Pj+ ;'dw'/ ;DaGw sfod ub}{ cfPsf] 5 . a}+sn] u|fxsx?sf] ;'ljwfnfO{ Wofg

lbP/ pgLx?sf] cfjZostf k"lt{ ug{ j]:6g{ o'lgog /]ld6, cfO{PdO{ /]ld6, k|e' /]ld6, lxdfn /]ld6,

l;l6 PS;k]|;, gljn /]ld6, k[YjL PS;k|]; /]ld6, l/nfojn /]ld6, d]uf /]ld6, ;D;f/f /]ld6, j]:6

/]ld6, ;]Gr'/L /]ld6, l;bfy{ /]ld6 cflb h:tf /]ld6fG; ;]jf k|bfos lgsfo;+u ;xsfo{ u/L :jb]z

tyf ljb]zaf6 k7fPsf] /]ld6fG;sf] e"QmfgLdf ;xof]u ub}{ cfPsf] 5 . ATM 8]lj8 sf8{sf]

nfluSmart Choice Technology (P) Ltd. sf] SCT Network;+u ldn]/ sfo{ ub}{ cfPsf] 5 . F1 Soft

10


;+u ;xsfo{ u/L df]afO{n a}lsÍ ;]jf ;+rfng ul/Psf] 5 . To;}u/L s}nfz ljsf; a}s;+u ;xsfo{

u/]/ Ps csf{ a}+ssf u|fxsx?sf] r]s e"QmfgL / hDdf ug]{ ;'ljwf k|bfg ub}{ cfPsf] 5 . lgIf]k

tyf shf{ ;'/If0f lgud;+u ;xsfo{ ub}{ cfkm\gf u|fxsx?sf] ?=@ nfv ;Ddsf] art lgIf]ksf]

;'/If0f ul/O{Psf] 5 . eg] b}lgs sfo{ ;Dkfbg ug{ cGo Joj;flos ;+3, ;+:yfx?;+usf] ;DaGwnfO{

klg lg/Gt/tf lbb} cfPsf] 5 .

%_ ;+rfns ;ldltdf ePsf] x]/k]m/ / ;f]sf] sf/0f M

kfrf} jflif{s ;fwf/0f ;efaf6 lgjf{lrt ;+:yfks ;d'xsf ;+rfns>L efg'eQm hf]zLn] o; a}+ssf]

z]o/k"FhL ;+/rgfdf kl/jt{g ePsf sf/0f ldlt @)&#÷)(÷)& df ;~rfns ;ldltaf6 /flhgfdf

lbg' ePsf]5 / ;ftf} jflif{s ;fwf/0f ;efaf6 lgjf{lrt ;j{;fwf/0f ;d'xsf ;+rfnsx?df s'g}

x]/km]/ ePsf] 5}g .

^_ 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]vf k/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmofM

lgoldt sf/f]jf/df x'g] ;fdfGo s}lkmot afx]s c? s'g} pNn]vgLo s}lkmot n]vfk/LIf0f

k|ltj]bgdf b]lvPsf] 5}g . k|fKt s}lkmot tyf ;'emfjx? k|lt ;+rfns ;ldltn] ljZn]if0f u/L

;'wf/sf] nflu Joj:yfkgnfO{ cfjZos lgb]{zg lbO{;s]sf] 5 .

*_ nfef+z afF8kmfF8 ug{ l;kmf/Lz ul/Psf] /sd M

cfly{s jif{ @)&#÷)&$ ;Ddsf] ;+lrt d'gfkmfaf6 af]g; z]o/ ?=%,%%,%),)))=))-cIf/]kL kf+r s/f]8 krkGg nfv krf; xhf/ dfq_ / s/ k|of]hgsf nflu gub nfef+z ?=2,923,684.21-cIf/]kL pGtL; nfv t]O{; xhf/ 5 ;o rf}/f;L k};f PSsfO{; dfq_ ljt/0f ug{sf nflu l;kmf/Lz u/LPsf]

5 .

(_ dfgj ;+;fwgM

a}+s h:tf] ;]jfd'vL ;+:yfsf] nflu bIf, nugzLn , cg'zfl;t sd{rf/L, ;+:yfsf] p2]Zo k|flKtsf

d'Vo cfwf/:tDesf ;fy} cd'No ;DklQ x'g . sd{rf/Lx?sf] Ifdtf, bIftf, OdfGbf/Ltf /

nugzLntfn] g} a}+s ;kmn x'g] dfGotfnfO{ cfTd;ft ub}{ Joj:yfkg kIfn] hgzlQm ljsf;df

kof{Kt Wofg s]lGb|t u/]sf] 5 . o; ljsf; a}+sdf sfo{/t sd{rf/Lsf] sfo{bIftf clej[l4 ug{, bIf

agfpg ;do ;dodf tnLd uf]i7Lx?df ;xefuL u/fpg] u/LPsf] 5 / ;fy} cfufdL lbgdf

sd{rf/Lsf] sfo{bIftf clej[l4 ug{sf nflu ljleGg lsl;dsf tflnd, uf]i7Ldf ;xefuL u/fpg]

11


nIo a}+sn] lnPsf] 5 . a}+sdf sfo{/t sd{rf/Lx?sf] ;do ;fk]If cg';f/sf] ;]jf ;'ljwfx? j[l4

u/LO{Psf] 5 ;fy} eljiodf klg ;]jf ;l'jwfx? j[l4 ub}{ nlug] 5 . a}+ssf] pRr Joj:yfkg /

sd{rf/Lx?aLr /x]sf] ;'dw'/ ;DaGwnfO{ cem k|uf9 agfpb} pRr dgf]jnsf;fy a}+ssf] ljsf;df

bQlrQ, st{Jolgi7 / cg'zfl;t eO{ nflu k/]sf sd{rf/Lx?sf] plrt d'NofÍg u/L j[lQ ljsf;sf

cGo cj;/x? ;d]t k|bfg u/Lg] 5 . o; a}+ssf] pGgtL / k|ultsf nflu ljutsf jif{x?df em}

cfufdL lbgx?df klg ;Dk"0f{ sd{rf/Lx?af6 cfjZos of]ubfg, ;xof]u / ;'emfj k|fKt eO{ /xg]

s'/fdf k"0f{ ljZjf; u/]sf] 5' .

!)_ xflb{s s[t1tf 1fkg M

o; 8]enkd]G6 a}+sn] cfkm\gf] sfo{k|0ffnLnfO{ cem ;'Jojl:yt agfpb} Joj;fo lj:tf/sf nflu

cNksflng tyf lb3{sflng /0fgLltx? to ub}{ a}+s tyf ljlQo ;+:yfx?aLrsf] s8f k|lt:kwf{df

cfkm'nfO{ ;kmn agfpg sfo{k|0ffnLnfO{ cem} yk Jojl:yt / cfw'lgs k|ljlwn] ;';lHht agfO{g'kg]{,

a}ls+u g]6js{sf] lj:tf/ ug'{kg]{ tyf kF"hL cfwf/df j[l4 ug'{kg]{ b]lvPsfn] o;tkm{ qmdzM ljsf;

ul/b} nlug]5 . u|fxsnfO{ k|bfg ul/g] ;]jfx?sf] ljljlws/0f, cfw'lgsLs/0f kx'Frj[l4 h:tf

pks/0fx?sf] dfWofdaf6 hgdfg;df o; ljsf; a}+s k|lt ;sf/fTds cg'e"ltdf clej[l4 ug'{

xfd|f] d'Vo nIo /x]sf] 5 / /lx/xg]5 .

;du| ;DklQx?sf] u'0f:t/ pRr /fvL shf{ nufgLaf6 k|fKt x'g] cfDbfgLdf j[l4, vr{df

ldtJolotf, shf{ nufgLsf gofF If]qx?sf] vf]hL u/L shf{df ljljlws/0f, sd hf]lvd If]qsf]

klxrfg, pTkfbgzLn If]qdf shf{ nufgLdf hf]8, ko{6g, s[lif tyf u|fld0f If]qdf nufgLsf

cj;/sf] vf]hL, ;'b[9 cfGtl/s lgoGq0f k|0ffnLsf] ljsf;, cfjZos gLlt lgb]{lzsf lgdf0f{ Pj+

;do ;fk]If ;+;f]wg ug]{ tyf a}+ssf] shf{ k|zf;gnfO{ ;'Jojl:yt u/L hf]lvd lgoGq0fsf

k|efjsf/L pkfox?sf] cjnDag, cfjZos dfgj ;+;fwgsf] ljsf;, lgodgsf/L lgsfon] tf]s]sf]

dfkb08 k'/f u/L gofF shf{ lzif{ssf] vf]hL u/L d'gfkmfdf j[l4 h:tf pkfox? cjnDag u/L o;

ljsf; a}+snfO{ Ps k|ltli7t, ;jn tyf ;'Jojl:yt ljsf; a}+ssf] ?kdf ljsl;t ul/b} nlug]5 .

o; k'lgt cj;/df a}+snfO{ cfhsf] uf}/jk"0f{ cj:yf;Dd k'/\ofpg ;xof]u ug]{ z'elrGts /

cfb/0fLo ;]jfu|fxL dxfg'efjx?df xflb{s wGofjfb 1fkg ub{5' . xfdLnfO{ lg/Gt/ ;xof]u u/L/xg]

g]kfn /fi6« a}+s, sDklg /lhi6«f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]Gh lnld6]8,

g]kfn ;L8LP; lSno/LË lnld6]8 / g]kfn ;/sf/sf cGo ljleGg lgsfox? Pj+ ;xof]uL ljleGg

;+3 ;+:yfx?k|lt xflb{s s[t1tf 1fkg ub{5' . ljz]ifu/L z]o/wgL dxfg'efjx?n] xfdL dfly u/]sf]

ljZjf;, ;xof]u / ;befjsf] nflu ;+rfns ;ldltsf] tkm{af6 xflb{s wGofjfb 1fkg ug{ rfxG5' .

a}+ssf] pGglt / k|ultdf g} cfkm\gf] Career ;'/lIft /x]sf] cg'ej u/L cfkm'nfO{ k|fKt lhDd]jf/L

lgjf{x ub}{ a}+s ;]jfdf sfo{/t /x]sf a}+s Joj:yfkg nufot ;Dk"0f{ sd{rf/Lx?sf] of]ubfgsf]

k|z+;f ug{ rfxG5' .

cGtdf oxf+x?sf] pT;fxhgs ;xeflutfn] a}+ssf] k|ultdf yk phf{ k|bfg u/]sf] / cfufdL

jif{x?df nufgLstf{x?n] plrt k|ltkmn k|fKt ug{ ;Sg] u/L sf/f]jf/ lj:tf/ ub}{ nlug] k|ltj4tf

JoQm ub}{ o; ljsf; a}+ssf] cf7f} jflif{s ;fwf/0f ;efsf] k|ltj]bg :jLs[t ul/lbg x'g xflb{s

cg'/f]w ub{5' .

wGojfb ! ;+rfns ;ldltsf] tk{maf6

>L lzj l;+x sfsL{

cWoIf

ldltM @)&$÷)(÷@(

12


sDkgL P]g @)^# sf] bkmf !)( pkbkmf $ cg';f/sf] yk laa/0f -!_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] clÍt d"No, To:tf] z]o/ hkmt x'g'eGbf

cufj} ;f]afkt a}+sn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L a}+sn] k|fKt

u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f,

a}+sdf xfn ;Dd s'g} z]o/ hkmt ul/Psf] 5}g .

-@_ ljut cfly{s jif{df a}+s / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf]

l:yltsf] k'g/fjnf]sg,

xfn ;Dd s'g} klg ;xfos sDkgL :yfkgf ul/Psf] 5}g .

-#_ a}+s tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf a}+ssf]

sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g,

s]xL klg gePsf] .

-$_ ljut cfly{s jif{df a}+ssf] cfwf/e"t z]o/wgLx?n] a}+snfO{ pknAw u/fPsf] hfgsf/L,

To:tf] s'g} klg hfgsf/L pknAw u/fOPsf] 5}g .

-%_ ljut cfly{s jif{df a}+ssf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / a}+ssf] z]o/

sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 a}+sn] k|fKt u/]sf] hfgsf/L,

o:tf s'g} hfgsf/L a}snfO{ k|fKt ePsf] 5}g .

-^_ ljut cfly{s jif{df a}+s;Fu ;DalGwt ;Demf}tfx?df ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut

:jfy{sf] af/]df pknAw hfgsf/L,

To:tf] s'g} hfgsf/L a}+snfO{ xfn;Dd pknAw gePsf] .

-&_ a}+sn] cfˆgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof /

clÍt d"No tyf To;/L z]o/ vl/b u/]afkt a}+sn] e'QmfgL u/]sf] /sd,

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

-*_ cfGtl/s lgoGq0f k|0ffnL

;+:yfut ;'zf;g kl/kfngfsf] k|Tofe'ltsf nflu cfGtl/s lgoGq0f k|0ffnL Jojl:yt ug{sf nflu ;~rfns

;ldlt, n]vf k/LIf0f ;ldlt, hf]vLd Joj:yfkg ;ldlt, ;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;ldlt,sd{rf/L

Joj:yfkg / ;]jf ;'ljwf ;ldltx? lqmoflzn /x]sf 5g . a}+sdf x/]s sfo{x?sf] lgoGq0fsf nflu cfGtl/s

gLlt lgod tyf lgb]{zgx? th'{df u/L nfu' ul/Psf] 5 .

-(_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f,

s|=;+= ljj/0f cfly{s jif{ @)&#÷)&$

!= sd{rf/L vr{ 36,164,980.00

@= sfo{ ;+rfng vr{ 38,957,914.08

hDdf 75,122,894.08

-!)_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf,

;f] ;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f,

n]vf k/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL b]xfo adf]lhd /x]sf] 5

!= >L s[i0f k|;fb kf7s ;+of]hs

@= >L h+u axfb'/ rGb ;b:o

#= >L cgf]h ;fpb ;b:o ;lrj

n]vf k/LIf0f ;ldltsf ;b:ox?nfO{ a}7s eQf jfkt /sd ?=#^,))).)) afx]s xfn;Dd kfl/>lds

tyf cGo ;'ljwf k|bfg ul/Psf] 5}g .

13


n]vf k/LIf0f ;ldltn] cfGtl/s n]vf k/LIf0f, g]kfn /fi6« a}+ssf] lg/LIf0f k|ltj]bg tyf k|f/lDes

n]vf kl/If0f k|ltj]bgsf] ;ldIff u/L ;'wf/sf nflu Joj:yfkgnfO{ ;do ;dodf cfjZos /fo

;'emfj k]z ug]{ u/]sf] 5 .

-!!_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh

;+nUg /x]sf] kmd{, sDkgL jf ;+u7Lt ;+:yfn] a}+snfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f,

/sd a'emfpg afFsL gePsf] .

-!@_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf

;'ljwfsf] /sd,

;~rfnsx?sf] eQf M 4,21,500.00

a}+ssf] k|d'v sfo{sf/L clws[tnfO{ o; cfly{s jif{df dfl;s tnj, eQf tyf cGo ;'ljwf b]xfo

adf]lhd k|bfg ul/Psf] 5 .

-s_ jflif{s tnj eQf -bz} vr{ , kf]zfs, sd{rf/L af]g;, ;d]t_ ?= ##,#(,@)(=%@

-v_ sfo{;Dkfbgdf cfwfl/t kfl/>lds

!_ sd{rf/L af]g; —

@_ k|rlnt Joj:yf cg';f/sf] ;'ljwf —

#_ cGo /sd —

-u_ cGo cfly{s ;'ljwfx?

!_ df]jfOn ;'ljwf

@_ ;jf/L ;fwg ;'ljwf

-!#_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd,

cfly{s jif{ @)&#÷)&$ cGTo ;Dd z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd

?=!,&),%#%=))

-!$_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f,

;DklQ vl/b tyf lals| ;DalGw ljj/0f ;+nUg ljlQo ljj/0fsf] cg';"rL $=!$ df pNn]v ul/Psf]

5 .

-!%_ bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f,

sf/f]jf/sf] ljj/0f gePsf] .

-!^_ o; P]g tyf k|rlnt sfg"gadf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f

g/x]sf]

-!&_ cGo cfjZos s'/fx? .

g/x]sf]

14


lwtf]kq btf{tyf lgisfzg lgodfjnL @)&# sf]lgod @^ sf]

pklgod -@_ ;Fu ;DalGwt jflif{s k|ltj]bg

!= ;+rfns;ldltsf]k|ltj]bg M o;} jflif{s k|ltj]bgdf ;+nUg .

@= n]vfk/LIfssf]k|ltj]bg M o;}jflif{s k|ltj]bgdf ;+nUg .

#= n]vfk/LIf0f ePsf]ljQLo ljj/0f M o;}jflif{s k|ltj]bgdf ;+nUg .

$= sfg"gL sf/jfxL ;DaGwL ljj/0f M

-s_ o; cjlwdf ;+ul7t ;+:yfn]jf ;+:yfsf]lj?4 s'Gf}d'2f bfo/ gePsf].

-v_ ;+:yfsf];+:yfks jf ;+rfnsn]jf ;+:yfks jf ;+rfnssf]lj?4df k|rlnt lgodsf]cj1f jfkmf}Hbf/L

ck/fw u/]sf];DaGwdf s'g}d'2f bfo/ gePsf].

-u_ s'g};+:yfks jf ;+rfnslj?4 cfly{s ck/fw u/]sf];DaGwdf s'g}d'2f bfo/ gePsf].

%= ;+ul7t ;+:yfsf]z]o/ sf/f]af/ tyf k|ultsf]ljZn]if0f M

-s_ lwtf]kq ahf/df ePsf];+ul7t ;+:yfsf]z]o/sf]sf/f]af/ ;DaGwdf Joj:yfkgsf]wf/0ff M

z]o/ sf/f]af/df x'g] ptf/ r9fj v'Nnf ahf/n] k|ltkflbt u/]sf] d"No tyf dfGotf cg'?k x'g] ePsfn]

o; ;DaGwdf Joj:yfkgsf] wf/0ff t6:y /x]sf].

-v_ ut jif{sf] k|To]s q}dfl;s cjlwdf sf/f]af/ ePsf] z]o/sf] s'n ;+Vof tyf sf/f]af/ ePsf] lbg ;DjGwL

hfgsf/L nufot ;+ul7t ;+:yfsf] clwstd, Go"gtd / clGtd z]o/ d"No .

cfly{s aif{

@)&#÷)&$

clwstd z]o/

d"No -?=_

Go'gtd z]o/

d"No -?=_

clGtd z]o/ d"No

-?=_

z]o/ sf/f]af/

;+Vof s'n sf/f]af/ lbg

cflZjg d;fGt &!$ %#% ^%) #!@ %)

kf}if d;fGt ^%! @&% #@( $&@)$ #*

r}q d;fGt $!) @#* #*% @#* #^

cfiff9 d;fGt $)% @&! @&! #$% $*

^=;d:of tyf r'gf}tL M

s= cfGtl/s ;d:of tyf r'gf}tL

a9\bf] k|lt:kwf{sf sf/0f bIf hgzlQmsf] cefj tyf a+}sdf xfn sfo{/t hgzlQmnfO{ ;d]t sfod /fVg]

r'gf}tL .

bIf hgzlQmsf] ljsf; ug{' tyf pTk|]l/t ug{'

a9\bf] ;~rfng nfut tyf 36\bf] Jofhb/ cGt/ .

v= afx\o ;d:of tyf r'gf}tL

k|lts"n Jofhb/ tyf t/ntfsf] l:ylt Pj+ ;f]df x'g] cfsl:ds ptf/r9fj

d'b|f:kmLlt tyf Jofhb/ jLr ;fd~h:otf sfod gx'g' .

cTolws t/ntf, To;af6 gLltut cGof]naf6 plAhg] ahf/ hf]lvd tyf ljQ Joj:yfkgsf r'gf}tLx?

tLj| k|lt:kwf{ / To;af6 plAhPsf] o'lQmxLg k|lt:kwf{Tds Jojxf/

;Lldt nufgLsf cj;/x?

cl:y/ cfly{s tyf /fhgLlts jftfj/0f

dfly pNn]lvt r'gf}tL ;dfwfg ug{Joj:ffo ljljwLs/0f, u|fxsd'vL u'0f:t/Lo ;]jf tyf vr{df

ldtJolotfsf]/0fgLlt lnPsf]5 .

15


&= ;+:yfut ;'zf;g M

;+:yfut ;'zf;g clej[l4sf nflu Joj:yfkgåf/f rflnPsf sbd ;DaGwL ljj/0f

-s_ ;+rfns ;ldlt, shf{tyf hf]lvd Joj:yfkg ;ldlt, kbk"lt{tyf a9'jf ;ldlt, ;DklQ tyf bfloTj

;ldlt nufot ljleGg ;ldltx? lqmofzLn /x]sf 5g\.

-v_ cfGtl/s lgoGq0f k|0ffnLnfO{Jojl:yt ug{cfGtl/s n]vfk/LIfsaf6 lgoldt ?kdf n]vfk/LIf0f

u/fO{k|ltj]bgdf lbOPsf ;'emfjx? sfof{Gjog tyf ;dLIff ug{n]vfk/LIf0f ;ldltsf a}7s lgoldt

a:g]u/]sf]5 .

-u_ ;+rfng hf]lvdx? sd ug{tyf sf/f]af/nfO{Jojl:yt ug{ljleGGf cfGtl/s gLlt, lgod tyf

lgb]{lzsfx?sf]th'{df u/L nfu"ul/Psf]5 .

-3_ ;+:yfut ;'zf;g sfod ug{cfrf/ ;+lxtf hf/L u/L ;f]sf]cg'udgsf];d]t Joj:yf u/LPsf]5 .

*= lgod @^ sf] pklgod -%_ ;Fu ;DalGwt ljz]if 36gf jf kl/l:ylt ;DaGwL ljj/0f M

!= ;+ul7t ;+:yfsf] ;~rfns jf pRr Joj:yfksLo txsf clws[tsf] kl/jt{g

-s_ ;~rfns ;ldltaf6 /flhgfdf lbg' ePsf] M

>L efg'eQm hf]zL –;d'x

cnu ePsf] ldlt M @)&#÷)(÷)&

-v_ ;~rfns ;ldltdf gofF lgo'lQm M

>L e/t axfb'/ /f]sfof –;j{;fwf/0f ;d'x

>L h+u axfb'/ rGb –;j{;fwf/0f ;d'x

>L s[i0f k|;fb kf7s –;j{;fwf/0f ;d'x

lgo'lQm yPsf] ldlt @)&#÷)(÷)( df ;DkGg ;ftf} jflif{s ;fwf/0f ;ef af6 lgjf{lrt .

@_ z]o/k"FhLsf] :jfldTj ;+/rgf kl/jt{g M

$( k|ltz—;fwf/0f z]o/ / %! k|ltz— ;+:yfks z]o/ -;d'x s_

z]o/k"FhLsf] :jfldTj ;+/rgf kl/jt{g ePsf] ldlt M @)&#÷)$÷!&

#_ nfef+z 3f]if0ff jf kF"hL ;+/rgfdf kl/jt{g M

cfly{s jif{ @)&@÷&# sf] nflu ldlt @)&#÷)(÷)( df ;DkGg o; a+}ssf] ;ftf}+ jflif{s ;fwf/0f ;efaf6 @%

k|ltzt af]g; z]o/ tyf %) k|ltzt xsk|b z]o/ k|bfg ul/Psf] .

16


17


18


s~rg 8]enkd]G6 a}+s lnld6]8

jf;nft

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

k"FhL tyf bfloTj cg';"rL o; jif{ ?= ut jif{ ?=

!= z]o/ k"FhL $=! 402,050,000.00 247,500,000.00 @= hu]8f tyf sf]ifx? $=@ 50,338,957.54 35,574,131.56

#= C0fkq tyf aG8 $=# - - $= ltg{ afFsL shf{ ;fk6 $=$ - - %= lgIf]k bfloTj $=% 2,823,382,482.90 1,914,240,767.89 ^= e'QmfgL lbg'kg{] lanx? $=^ - - &= k|:tfljt gub nfef+z 2,923,684.21 2,605,263.16 *= cfos/ bfloTj (= cGo bfloTj $=& 31,824,415.74 18,702,022.37

s'n bfloTj 3,310,519,540.39 2,218,622,184.97

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

!= gub df}Hbft $=* 61,760,750.53 45,830,387.18 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( 68,023,619.84 10,952,409.68 #= a}+s÷ljQLo ;+:yfdf /xsf] df}Hbft $=!) 120,000,000.00 80,000,000.00 $=dfu tyf cNk ;"rgfdf k|fKt x'g] /sd $=!! 643,267,626.47 362,953,714.73 %= nufgL $=!@ 13,952,988.55 20,377,245.17 ^= shf{, ;fk6 tyf lan v/Lb $=!# 2,268,826,808.65 1,608,238,282.08 &= l:y/ ;DklQ $=!$ 71,341,370.92 53,925,101.51 *= u}/ a}+lsË ;DklQ $=!% - - (= cGo ;DklQ $=!^ 63,346,375.44 36,345,044.62

s'n ;DklQ 3,310,519,540.39 2,218,622,184.97

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

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

k"FhLsf]if tflnsf cg';"rL $=#)

hff]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL $=#)s

k|d'v ;"rfÎx? cg';"rL $=#!

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

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

;+:yfks÷;+:yfks ;d"xsf z]o/ lwtf] shf{ ljj/0f cg';"rL $=#$

n]vfkl/If0f x'g' cl3sf]] rf}yf] q}dfl;s k|sflzt ljQLo ljj/0f cg';"rL $=#%

n]vfkl/If0f x'g' cl3 / kl5sf] t'ngfTds ljj/0f cg';"rL $=#^

$=! b]lv $=!& ;Ddsf cg';"rLx? Jff;nftsf cleGg cË x''"g . cfhsf] ldltsf] ;+nUg xfd|f] k|ltj]bg cg';f/

19



gfkmf gf]S;fg lx;fa

ldlt @)&#÷$÷! b]lv @)&$÷)#÷#! ;Dd

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

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

!= Aofh cfDbfgL $=!* 302,551,747.83 200,176,717.58

@= Aofh vr{ $=!( 137,405,313.37 91,530,628.91

v'b Aofh cfDbfgL 165,146,434.46 108,646,088.67

#= sldzg tyf l8:sfp06 $=@) 9,224,287.67 3,886,713.84

$= cGo ;~rfng cfDbfgL $=@! 10,062,593.54 12,510,343.81

%= ;6xL 36a9 cfDbfgL $=@@ - -

s"n ;~rfng cfDbfgL 184,433,315.67 125,043,146.32

^= sd{rf/L vr{ $=@# 36,164,980.00 24,991,657.12

&= cGo ;~rfng vr{ $=@$ 38,957,914.08 21,612,049.48

*= ;6xL 36a9 gf]S;fg $=@@

;Defljt gf]S;fgL Aoj:yf cl3sf] ;+rfng d'gfkmf 109,310,421.59 78,439,439.72

(=;Defljt gf]S;fgL Aoj:yfx? $=@% 18,761,217.44 9,888,244.67

;~rfng d'gfkmf 90,549,204.15 68,551,195.05

!)= u}/ ;+rfng cfDbfgL÷-vr{_ $=@^ 9,105,716.15 22,930,484.66

!!= ;Defljt gf]S;fgL Aoj:yfaf6 lkmtf{ $=@& 12,544,675.05 5,000,000.00

lgoldt sf/f]af/af6 ePsf] d'gfkmf 112,199,595.35 96,481,679.71

!@= c;fdfGo sf/f]af/x?af6 ePsf] d'gfkmf÷-vr{_ $=@* - -

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v"b d'gfkmf 112,199,595.35 96,481,679.71

!#=sd{rf/L af]g; Joj:yf 10,199,963.21 8,771,061.79

!$=cfos/ Joj:yf 30,728,798.94 24,494,247.04

o; jif{sf] s/ Joj:yf 31,726,610.55 26,313,185.38

ljut jif{;Ddsf] s/ Joj:yf - -

o; jif{sf] :yug s/ -cfDbfgL.=vr{_ (997,811.61) (1,818,938.34)

v'b gfkmf÷gf]S;fg 71,270,833.20 63,216,370.88

$=!* b]lv $=@* ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg xfd|f] k|ltj]bg cg';f/

20



gfkmf–gf]S;fg afF8kmfF8 lx;fa

ldlt @)&#÷$÷! b]lv @)&$÷)#÷#! ;Dd

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

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

cfDbfgL

!= ut jif{ ;Ddsf] ;+lrt d"gfkmf - 1,277,820.21 1,018,093.17

@= o; jif{sf] d'gfkmf - 71,270,833.20 63,216,370.88

#= ;6xL 36a9 sf]if - - -

$= k|:tfljt af]g; z]o/ tyf nfef+z ;dfof]hg - -

%= z]o/ lk|ldodaf6 ;fl/osf] 1,967,677.00 2,155,691.00

hDdf - 74,516,330.40 66,390,155.05 vr{

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

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

#= ;fwf/0f hu]8fsf]if - 14,254,166.64 12,643,274.18

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

%= ;+:yf lasf; sf]if - - -

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

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

*= k|:tfljt nfef+z - 2,923,684.21 2,605,263.16

(= k|:tfljt af]g; z]o/ hf/L - 55,550,000.00 49,500,000.00

!)= laz]if hu]8f sf]if - - -

!!= ;6xL 36a9 sf]if - - -

!@= k"FhL lkmtf{ hu]8f sf]if - - -

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

!$ :yug hu]8f sf]if - 997,811.61 -

!%= nufgL ;dfof]hg sf]if (67,900.87) 363,797.50

!^= ;+:yfut ;dflhs pQ/bfloTj sf]if 712,708.33

hDdf - 74,370,469.92 65,112,334.84

;l~rt d'gfkmf÷-gf]S;fg_ - 145,860.48 1,277,820.21

21



gub k|jfx ljj/0f

ldlt @)&#÷$÷! b]lv @)&$÷)#÷#! ;Dd

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

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

s= sf/f]af/ ;+rfngaf6 gub k|jfx 36,199,364.59 32,324,825.18

!= gub k|flKt 343,489,020.24 244,504,259.89

!=! Aofh cfDbfgL 302,551,747.83 200,176,717.58

!=@ sdLzg tyf l8:sfpG6 cfDbfgL 9,224,287.67 3,886,713.84

!=# lab]zL ljlgdo sf/f]af/af6 cfDbfgL -

!=$ ckn]lvt shf{sf] c;'nL

!=% cGo cfDbfgL 31,712,984.74 40,440,828.47

@= gub e'QmfgL (265,468,988.37 (179,919,279.45)

@=! Aofh vr{ (137,405,313.37) (91,530,628.91)

@=@ sd{rf/L vr{ (36,164,980.00) (24,991,657.12)

@=# sfof{no ;+rfng vr{ (32,208,715.41) (18,424,501.58)

@=$ cfos/ e'QmfgL (30,728,798.94 (26,313,185.38)

@=% cGo vr{ (28,961,180.65) (18,659,306.46)

sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 78,020,031.87 64,584,980.44

;~rfng ;DalGw rfn' ;DklQdf sld÷-j[l¢_ (961,479,512.50 (500,934,777.87)

!= dfu tyf cNk ;'rgfdf k|fKt x'g] /sddf sld÷-j[l¢_ (280,313,911.74 (69,056,078.41)

@= cGo cNksfnLg nufgLdf sdL÷-j[l¢_ 6,424,256.62 15,087,746.93

#= shf{ tyf laN; v/Lbdf sld÷-j[l¢_ (660,588,526.56 (424,742,780.04

$= cGo ;DklQdf sld÷-j[l¢_ (27,001,330.82) (22,223,666.35)

;~rfng ;DalGw rfn' bfloTjdf -sld_÷j[l¢ 919,658,845.22 468,674,622.61

!= lgIf]k bfloTjdf -sld_÷j[l¢ 909,141,715.01 478,979,258.43

@= ;l6{lkms]6 ckm l8kf]lh6df -sld_÷j[l¢

#= cNksfnLg ;fk6Ldf -sld_÷j[l¢

$= cGo bfloTjdf -sld÷j[l¢ 10,517,130.21 (10,304,635.82)

sfo{ut k"FhL ultljlw kl5sf] gub k|jfx 36,199,364.59 32,324,825.18

-v_ nufgL sf/f]af/df gub k|jfx (24,165,468.08) (45,914,653.65)

!= bL3{sfnLg nufgLdf sld÷-j[l¢_

@= :yL/ ;DklQdf sld÷-j[l¢_ (24,165,468.08) (45,914,653.65)

#= bL3{sfnLg nufgLdf Aofh cfDbfgL

$= nfef+z cfDbfgL

%= cGo

-u_ ljQLo >f]t sf/f]af/x?af6 gub k|jfx 100,967,677.00 35,155,691.00

!= bL3{sfnLg C0f -a08, l8a]Gr/ cflb_ df j[l¢÷ -sld_ - -

@= z]o/ k"FhLdf j[l¢÷-sld_ 99,000,000.00 33,000,000.00

22


#= cGo bfloTjdf j[l¢÷-sld_ ;dfof]hg 1,967,677.00 2,155,691.00

$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df j[l¢÷-sld_ - -

-3_gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6

cfDbfgL÷vr{

-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 113,001,573.51 21,565,862.53

-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 136,782,796.85 115,216,934.32

-5_ gub tyf a}+sdf /x]sf] clGtd dFf}+Hbft 249,784,370.37 136,782,796.86

23


s~rg 8]enkd]G6 a}+s ln

ld6]8

OlSj6Ld

f ePsf] kl/jt{g ;DalGw ljj/0f

cf=

j= @)&#÷)&$ sf] cfiff9

d;fGt ;Ddsf]

ljj/0f

z]o/ k"FhL

;+lr

t gf=g

f]= ;fw

f/0f hu]8f sf]if

k"FhLu

t

hu]8f sf]if

z]o/ lk|ld

od

;6xL 36a6

sf]if

:yug s/

hu]8f

cGo hu]8f tyf

sf]if

s'n /sd

z'? df}Hbft

24

7,500,0

00.0

0

1,277,820

.21 32,720

,000.64

-

- -

1,212,513.21 363,797.50

28

3,074

,131.56

;dfo

f]hg

-

:yug s/

- -

- -

- -

-

-

;dfo

f]lht z'? Df}Hbft

24

7,500,0

00.0

0

1,277,820

.21 32,720

,000.64

-

- -

1,212,513.21 363,797.50

28

3,074

,131.55

;dfo

f]hg -C

hange in

NR

B)

- -

- -

- -

- -

-

o; aif{s

f] d'gfkmf

- 71,270

,833.20

-

- -

- -

- 71,270

,833.20

hf/L z]o/ k"FhL

k|:tflj

t nfe

f+z

- (2,9

23,684.21)

- -

- -

- -

(2,923,68

4.21)

k|:tflj

t af]g

; z]o/

55,550,0

00.0

0

(55,550,0

00.0

0)

- -

- -

- -

-

k"FhLu

t hu]8f sf]ifd

f /sdfGt

/

- -

- -

-

- -

-

nufg

L ;dfo

f]hg sf]if

67,9

00.8

7

(67,900.8

7) -

z]o/ k"FhLd

f j[l4 ++-xsk|b z]o/_

99,000,0

00.0

0

- -

- 1,967,677.0

0

- -

- 10

0,9

67,677.00

;fw

f/0f hu]8f sf]ifd

f /sdfGt/

- (14

,254,166.64

) 14

,254,166.64

-

-

- -

-

:yug s/ sf]if

- (997,8

11.61) -

- -

- 997,8

11.61

-

z]o/ lk|ld

odaf6 /sdfGt/

1,967,677.0

0

(1,967,677.00)

-

;+:yfu

t ;dflh

s pQ/bflo

Tj

sf]if

(712,70

8.33)

712,70

8.33

-

clGtd df}Hbft

4

02,0

50,0

00.0

0

145,8

60.4

8

46,9

74,167.28

-

- -

2,210,324

.81

1,008,60

4.96

452,38

8,957.54

24


cg';"rL $=!


z]o/ kF"hL tyf :jfldTj

@)&# cfiff9 d;fGtsf] ljj/0f o; jif{ ?= ut jif{ ?=

!= z]o/ kF"hL !=! clws[t kF"hL 600,000,000.00 500,000,000.00

s= ^),)),))) ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] 600,000,000.00 500,000,000.00 v======= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= === n] - - u======== l/l8d]jn lk|km/]G; k|lt z]o/ ? === n] - - !=@ hf/L kF"hL 450,450,000.00 198,000,000.00

s 45,04,500 ;fwf/0f z]o/ k|lt z]o/ ? !)) n] 450,450,000.00 198,000,000.00

v======== gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?====n] - - u===== l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= ====n] - - !=# r"Qmf kF"hL 346,500,000.00 198,000,000.00 s ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] 346,500,000.00 198,000,000.00 v= ========= k|:tfljt af]g; z]o/ k|lt z]o/ ? ======= n] - - u= ========= gg\l/l8d]an lk|km/]G; z]o/ k|lt z]o/ ?= ==== n] - - 3= ========= l/l8d]an lk|km/]G; z]o/ k|lt ?= ======== n] - - !=$ k|:tfljt af]g; z]o/ 55,550,000.00 49,500,000.00 !=% sN; Og P8\efG; - -

!=^ hDdf /sd -!=#±!=$±!=%_ 402,050,000.00 247,500,000.00

z]o/ :jfldTj ljj/0f z]o/ k'FhL ut jif{ ?=

z]o/ k"FhL %

!= :jb]zL :jfldTj 346,500,000.00 198,000,000.00 100 !=! g]kfn ;/sf/ - - !=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? - - !=# cGo Ohfhtkqk|fKt ;+:yfx? - - !=$ cGo ;+:yfx? - - !=% ;j{;fwf/0f - - !=%=! ;+:yfks 176,715,000.00 138,600,000.00 51 !=%=@ ;j{;fwf/0f 169,785,000.00 59,400,000.00 49 !=^ cGo - - @= a}b]lzs :jfldTj - -

hDdf 346,500,000.00 198,000,000.00 100 gf]6 M dfly cg';"rLdf pNn]lvt ljj/0f cGt{ut )=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf] JolQm÷;d"x÷kmd{ ÷sDkgL eP,

lghx?sf] gfd, k|ltzt / /sd :ki6 v'nfpg' kg]{ 5 . Kf|ltzt pNn]v ubf{ z]o/ ;+Vofsf] cfwf/df u0fgf ug'{kg]{ 5 .

25


cg';"rL $=! -s_


z]o/ kF"hL tyf :jfldTj cGt{ut )=% k|ltzt eGbf a9L :jfldTj ePsf]

JolQm ;d"x÷kmd{ ÷sDkgLsf] ljj/0f

@)&$ cfiff9 d;fGt

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

1 >L lzj l;+x sfsL{ 346,500 34,650,000.00 10.00

2 >L vu]Zj/ af]x/f 86,625 8,662,500.00 2.50

3 >L clDasf k|;fb kf}8]n 84,051 8,405,100.00 2.43

4 >L lxSdt axfb'/ zfx 69,299 6,929,900.00 2.00

5 >L cd/ axfb'/ lji6 69,299 6,929,900.00 2.00

6 >L lslt{ rGb 7fs'/ 52,994 5,299,400.00 1.53

7 >L k'is/ /fh hf]zL 52,387 5,238,725.00 1.51

8 >L ho/fd l;+x af]x/f 51,975 5,197,500.00 1.50

9 >L tLy{ /fh r6f}t 51,975 5,197,500.00 1.50

10 >L ef]h/fh e§ 43,400 4,340,000.00 1.25

11 k'hf ;fp+b 42,954 4,295,400.00 1.24

12 >L nIdL bQ kf08]o 39375 3,937,500.00 1.14

13 >L lg/h hf]zL 36,125 3,612,500.00 1.04

14 >L h+u axfb'/ rGb 34,650 3,465,000.00 1.00

15 >L k|dfgGb kf08] 34,650 3,465,000.00 1.00

16 >L x]d]Gb| l;+x af]x/f 34,650 3,465,000.00 1.00

17 >L claz]v e08f/L 34,650 3,465,000.00 1.00

18 >L njb]j kf08]o 34,650 3,465,000.00 1.00

19 >L gf/b kf08]o 34,650 3,465,000.00 1.00

20 >L z]v cflzs cnL 34,650 3,465,000.00 1.00

21 >L eLd axfb'/ ;fpb 34,650 3,465,000.00 1.00

22 >L ;+hLj rGb| e§ 34,650 3,465,000.00 1.00

23 >L ;/nf v8\sf 34,650 3,465,000.00 1.00

24 >L nIdL bQ af]x/f 34,650 3,465,000.00 1.00

25 >L ljhofnIdL b]jL cj:yL 34,650 3,465,000.00 1.00

26 >L of]u dfof e§ 34,650 3,465,000.00 1.00

27 >L lr/~hLjL sfkm\n] 34,650 3,465,000.00 1.00

28 >L ljGb' s'df/L l;+x 34,650 3,465,000.00 1.00

29 ;l/tf lai6 30,511 3,051,100.00 0.88

30 uf]nan cfO{= Pd= O{= ;d'gt 29,630 2,963,000.00 0.86

31 >L b]j l;+x e§ 29,108 2,910,800.00 0.84

32 >L u0f]z axfb'/ l;+x 28,875 2,887,500.00 0.83

26


33 ;'l;nf clwsfl/ 26,309 2,630,900.00 0.76 34 >L g/]Gb| l;+x sfsL{ 24,809 2,480,900.00 0.72 35 >L s'df/L cGh' sfsL{ 21,950 2,195,000.00 0.63 36 >L nf]s/fh kf}8]n 20,294 2,029,400.00 0.59 37 >L dbg /fh kGt 19,565 1,956,500.00 0.56 38 >L e/t axfb'/ /f]sfof 19,391 1,939,100.00 0.56 39 s}nfz rGb e§ 18,608 1,860,800.00 0.54

40 >LdtL e'jg]Zj/L /fjn 17,655 1,765,500.00 0.51

41 >L lqnf]s l;+x /fjn 17325 1,732,500.00 0.50

42 >L b]j /fh hf]zL 17325 1,732,500.00 0.50

43 >L xs{ l;+x sfsL{ 17325 1,732,500.00 0.50

44 >L /fh]Gb| s]=;L= 17325 1,732,500.00 0.50

45 >L s0f{ a= rGb 17325 1,732,500.00 0.50

46 >L of]u/fh kf08]o 17325 1,732,500.00 0.50

47 >L z]/ axfb'/ rGb 17325 1,732,500.00 0.50

48 >L uf]kfn l;+x lji6 17325 1,732,500.00 0.50 49 hfgsL e§ 17325 1,732,500.00 0.50 50 >L /3'lj/ l;+x ;fpb 17325 1,732,500.00 0.50

51 >L s]zj axfb'/ rGb 17325 1,732,500.00 0.50 52 ;fwgf s'df/L hf]zL 17325 1,732,500.00 0.50

53 >L plsn a= rGb 17325 1,732,500.00 0.50

54 >L a?0f a= l;+x 17325 1,732,500.00 0.50

55 >L /fd bQ hf]zL 17325 1,732,500.00 0.50

56 >L ho axfb'/ rGb 17325 1,732,500.00 0.50

57 >L gf/fo0f k|;fb l3ld/] 17325 1,732,500.00 0.50

58 >L u0f]z r6f}t 17325 1,732,500.00 0.50 59 k'gd kGt 17325 1,732,500.00 0.50

60 >L sdn l;+x ef6 17325 1,732,500.00 0.50 61 >L lbk/fh r6f}t 17325 1,732,500.00 0.50 62 >L dfwj k|;fb hf]zL 17325 1,732,500.00 0.50

63 >L bfg a= e08f/L 17325 1,732,500.00 0.50

64 >L efg'eQm hf]zL 17325 1,732,500.00 0.50

65 >L afdb]j r6f}t 17325 1,732,500.00 0.50

66 >L tk /fh r6f}t 17325 1,732,500.00 0.50

67 >L gGbnfn r6f}t 17325 1,732,500.00 0.50

68 >L Hof~af] nfdf z]kf{ 17325 1,732,500.00 0.50

69 >L k|sfz axfb'/ ad 17325 1,732,500.00 0.50

2,335,838.00 233,583,800.00 67.41

27


cg';"rL $=@


hu]8f tyf sf]ifx?

@)&$ cfiff9 d;fGtsf]


!= ;fwf/0f÷ j}wflgs hu]8f sf]if 46,974,167.28 32,720,000.64

@= k"FhLut hu]8f sf]if

#= k'+hL lkmtf{ hu]8f sf]if (Capital redemption Reserve) - -

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

%= cGo hu]8f tyf sf]if 3,364,790.26 2,854,130.92

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

%=@= ;+:yf lasf; sf]if - -

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

%=$= laz]if hu]8f sf]if - -

%=%= ;DklQ k'g{d"Nof+sg sf]if - -

%=^= :yug s/ hu]8f 2,210,324.81 1,212,513.21

%=&= cGo :jtGq sf]if - -

%=*= cGo hu]8f sf]if - -

%=( nufgL ;dfof]hgsf]if 295,896.63 363,797.50

^= ;l~rt gfkmf÷gf]S;fg 145,860.48 1,277,820.21

&= ;6xL 36a9 sf]if -

*= ;+:yfut ;dflhs pQ/bfloTj sf]if 712,708.33

hDdf 50,338,957.54 35,574,131.56

28


cg';"rL $=#


C0fkq tyf a08

@)&$ cfiff9 d;fGt


!= ====== k|ltzt j08 ÷C0fkq k|lt j08 ÷ C0fkq

====== ?= n]=== ldlt ==== df hf/L ePsf] / ldlt ====

df r'Qmf x'g]

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

- -

!= ====== k|ltzt j08 ÷C0fkq k|lt j08 ÷ C0fkq

==== ?= n]=== ldlt ==== df hf/L ePsf] / ldlt ==== df

r'Qmf x'g]

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

- -

#= =========== ================= - -

hDdf !±@±# - -

gf]6 M ;'/If0f /fvL C0fkq tyf j08 hf/L ul/Psf] ePdf ;'/If0fsf] ljj/0f v'nfpg' kg]{ 5 .

cg';"rL $=$


ltg{ afFsL shf{ -;fk6L_

@)&$ cfiff9 d;fGt


s= :jb]zL

!= g]kfn ;/sf/ - -

@= g]kfn /fi6« a}+s - -

#= l/kf] bfloTj - -

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

%= cGo ;+ul7t ;+:yfx? - -

^= cGo - -

hDdf - - v= lab]zL

!= a}+sx? - -

@= cGo

hDdf - -

u= hDdf -s±v_ - -

29


cg';"rL $=%


lgIf]k lx;fj

@)&$ cfiff9 d;fGt


!= Aofh ltg'{ gkg{] vftfx? 113,985,285.84 25,999,546.32

s= rNtL lx;fa 113,985,285.84 25,999,546.32 != :jb]zL d'b«fdf !=! g]kfn ;/sf/ - - !=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - - !=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx? - -

!=$ cGo ;+ul7t ;+:yfx? 12,487,008.94 3,547,709.50

!=% AolQmut 101,498,276.90 22,451,836.82 !=^ cGo - - @= lab]zL d'b«fdf !=! g]kfn ;/sf/ - - @=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? - - @=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx? - - @=$ cGo ;+ul7t ;+:yfx? - - @=% AolQmut - - @=^ cGo - - v= dflh{g - - != sd{rf/L hdfgt - - @= hdfgt dflh{g #= k|lttkq dflh{g - - u= cGo - - != :jb]zL d'b«fdf - - !=! ljQLo ;+:yfx? - - !=@ cGo ;+ul7t ;+:yfx? - - !=# AolQmut - - @= lab]zL d'b«fdf @=! ljQLo ;+:yfx? - - @=@ cGo ;+ul7t ;+:yfx? - - @=# AolQmut - -

Aofh ltg'{ gkg{] vftfx?sf] hDdf 113,985,285.84 25,999,546.32

@= Aofh ltg'{kg{] vftfx?

s= art lx;fa 1,595,889,651.86 1,267,123,509.23

!= :jb]zL d'b«fdf 1,595,889,651.86 1,267,123,509.23

!=! ;+3 ;+:yfx? 1,481,380.00 138,304,326.84

!=@ AolQmut 1,594,408,271.86 1,128,819,182.39

!=# cGo - -

@= lab]zL d'b«fdf

@=! ;+3 ;+:yfx? - -

@=@ AolQmut - -

30


@=# cGo - -

v= d'2tL lx;fa 634,117,770.00 359,717,770.97

!= :jb]zL d'b«fdf

!=! ;+3 ;+:yfx? 280,621,534.18 123,200,787.50

!=@ AolQmut 353,496,235.82 236,516,983.47

!=# cGo - -

@= lab]zL d'b«fdf - -

@=! ;+3 ;+:yfx? - -

@=@ AolQmut - -

@=# cGo - -

u= dfu]sf] avt ltg'{kg{] lx;fa 479,389,775.20 261,399,941.37

!= :jb]zL d'b«fdf - -

!=! s ju{sf Ohfhtkq k|fKt ;+:yfx? - -

!=@ cGo O= k|f= ljQLo ;+:yfx? 130,765,299.91 242,821,763.23

!=# cGo ;+ul7t ;+:yfx? 348,624,475.29 18,578,178.14

!=$ AolQmut - -

!=% cGo - -


@=! s ju{sf Ohfhtkq k|fKt ;+:yfx? - -

@=@ cGo O=k|f= ljQLo ;+:yfx? - -

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

@=$ AolQmut - -

@=% cGo - -

3= ;l6{lkms]6 ckm l8kf]lh6 - -

!= ;+ul7t ;+:yf - -

@= AolQmut - -

#= cGo - -

Aofh ltg'{ kg{] vftfx?sf] hDdf 2,709,397,197.06 1,888,241,221.57

-!±@_ hDdf lgIf]k 2,823,382,482.90 1,914,240,767.89

31


cg';"rL $=^


e'QmfgL lbg' kg{] lanx?

@)&$ cfiff9 d;fGt


!= :jb]zL d'b«f - -

@= lab]zL d'b«f - -

hDdf - -

cg';"rL $=&


cGo bfloTj

@)&$ cfiff9 d;fGt


!= k]G;g÷pkbfg sf]if 1,630,788.00 1,120,419.00

@= sd{rf/L ;~ro sf]if

#= sd{rf/L sNof0f sf]if 975.00 7,775.58

$= sd{rf/L af]g; Aoj:yf 10,199,963.21 8,771,061.79

%= lgIf]kdf e'QmfgL lbg afFsL Aofh 66,905.91 104,408.41

^= ;fk6Ldf e'QmfgL lbg afFsL Aofh 0 0

&= kfsL g;s]sf] l8:sfp06 / sldzg 0 0

*= ;08«L qm]l86;{ 10,850,752.16 1,189,234.62

(= zfvf ldnfg lx;fa 0.00

!)= :yug s/ bfloTj 0 0

!!= e'QmfgL lbg afsL nfef+z 170,535.00 173,120.00

!@= cGo 8,904,496.46 7,336,002.97

-s_ s/ s§L 2,964,551.85 1,704,307.81

-v_ ;Defljt vr{ jfktsf] Joj:yf 450,459.08 496,000.00

-u_ z+sf:kb cf;fdL jfktsf] -dgsfdgf /]ld6_ Joj:yf 1,222,410.00 1,222,410.00

-3_ labf jfktsf] Joj:yf 3,894,702.03 2,974,773.46

-ª_ u|fdf]/ dr]{G6

-r_ g]kfn z]o/ dfs]{6

-5_ z+sf:kb a}+s ÷ laQLo ;+:yf df}Hbft jfktsf] Joj:yf 372,373.50 938,511.70

hDdf 31,824,415.74 18,702,022.37

32


cg';"rL $=*


gub df}Hbft

@)&$ cfiff9 d;fGt


!= :jb]zL d'b«f -l;Ssf ;d]t_

61,760,750.53

45,830,387.18

@= lab]zL d'b«f - -

hDdf 61,760,750.53 45,830,387.18

cg';"rL $=(


g]kfn /fi6« a}+sdf /x]sf] df}Hbft

@)&$ cfiff9 d;fGt

ljj/0f :jb]zL d'b«f lab]zL d'b«f ?= df s'n ?= ut jif{ ?=

ef= ?= kl/jTo

lj= d"=

hDdf

!= g]kfn /fi6« a}+s 68,023,619.84 68,023,619.84 10,952,409.68

s= rNtL vftf 68,023,619.84 - - 68,023,619.84 10,952,409.68

v= cGo vftf - - - - - -

cg';"rL $=!)


a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

@)&$ cfiff9 d;fGt

ljj/0f :jb]zL d'b«f

lab]zL d'b«f ?= df

s'n ?= ut jif{ ?= ef=

?=

kl/jTo{

lj=d"= hDdf

!=:jb]zL Ohfhtkq

k|fKt ;+:yfx?

120,000,000.00 120,000,000.00 80,000,000.00

s= rNtL vftf 120,000,000.00 - - - 120,000,000.00 80,000,000.00

v= cGo vftf - - - - -

@= lab]zL a}+sx? -

- - - - -

s= rNtL vftf - - - - - -

v= cGo vftf - - - - - -

hDdf 120,000,000.00 - - - 120,000,000.00 80,000,000.00

33


cg';"rL $=!!


dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?

@)&$ cfiff9 d;fGt


!= :jb]zL d'b«fdf 643,267,626.47 362,953,714.73


hDdf 643,267,626.47 362,953,714.73

cg';"rL $=!@


nufgL

@)&$ cfiff9 d;fGt

ljj/0f k|of]hg

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

!= g]kfn ;/sf/sf] 6«]h/L lan - - - -

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

artkq

- - - -

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

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

%= lab]zL C0fkq - - - -

^= :jb]zL Ohfhtkqk|fKt ;+:yf - - - -

&= lab]zL a}+s - - - -

*= ;+ul7t ;+:yfx?sf] z]o/ - 14,794,831.61 14,794,831.61 18,189,875.17

(= ;+ul7t ;+:yfx?sf] l8a]Gr/

tyf aG8

- -

!)= cGo nufgL - 2,400,010.00 2,400,010.00 2,287,370.00

s'n nufgL - 17,194,841.61 17,194,841.61 20,477,245.17

Aoj:yf - 3,241,853.06 3,241,853.06 100,000.00

v"b nufgL 13,952,988.55 13,952,988.55 20,377,245.17

34


cg';"rL $=!@ -s_


z]o/, l8a]Gr/ tyf a08df nufgL cfly{s jif{ @)&$ cfiff9 d;fGt

ljj/0f k/n df]n ?= ahf/ d"No

cg';f/ ?=

Joj:yf

/sd ?= o; jif{ ?=

ut

jif{ ?=

!= z]o/ nufgL

!=! Pg Pn lh OG:of]/]G;

sDkgL

417,285.00 32,163.64

!=@ Kf|e' Soflk6n lnld6]8 100,000.00 100,000.00 100,000.00 -

!=# lrlnd] xfO8«f] kfj/

sDklg lnld6]8

5,657,947.06 2,516,094.00 3,141,853.06 5,657,947.06 5,657,947.06

!=$ lzv/ OG:of]/]G; sDkgL 566,772.00 347,100.00

!=% tf/f ufpF /]h]G;L xf]6n 4,731,660.00 4,711,050.00 4,731,660.00 5,257,333.00

!=^ k'8]lG;on OG:of]/]G;

sDkgL

46,421.90 424,410.00 46,421.90 148,828.40

!=& u'/fF; nfOkm OG:of]/]G;

sDkgL

557,984.66 978,180.00 557,984.66 2,688,425.91

!=* d]]/f] dfOqmf]kmfOgfG;

ljtLo ;+:yf lnld6]8

4,100.00 99,180.00 4,100.00 4,100.00

!=( lxdfnog hg/n

OG:of]/]G; sDkgL lnld6]8

38,123.43 397,830.00 38,123.43 519,162.60

!=!) :jb]zL nw'ljt ljtLo

;+:yf lnld6]8

2,500,000.00 2,500,000.00 2,500,000.00

!=!! l/l8 xfO8«f]kfj/

8]enkd]G6 sDklg lnld6]8

9,400.00 207,751.00 9,400.00 9,400.00

!=!@ ldlynf n3'ljt ljsfz

a}+s lnld6]8

6,300.00 81,333.00 6,300.00 6,300.00

!=!# a?g xfO8«f] kfj/

sDklg lnld6]8

1,000.00 2,530.00 1,000.00 1,000.00

!=!$ hgpTyfg ;fd'bflos

n3'ljt ljsf; a}+s ln=

1,000.00 30,600.00 1,000.00 1,000.00

!=!% ldld{/] dfOqmf]kmfOgfG;

8]enkd]G6 a}+s lnld6]8

1,000.00 22,100.00 1,000.00 1,000.00

!=!^ nIdL n3'ljt ljtLo

;+:yf ln=

8,200.00 152,602.00 8,200.00 4,100.00

!=!& hnljw't nufgL tyf

ljsf; sDkgL lnld6]8

139,600.00 275,012.00 139,600.00 289,600.00

!=!* ;'of{ nfOkm OG:of]/]G;

sDkgL lnld6]8

564,514.56 977,980.00 564,514.56 564,514.56

!=!( 8fbL u|'k kfj/ lnld6]8 57,900.00 152,277.00 57,900.00 57,900.00

!=@) c?g sfa]ln kfj/

lnld6]8

29,500.00 120,655.00 29,500.00

!=@! cf/P; l8;L n3'ljQ

ljlQo ;+:yf ln=

1,600.00 47,200.00 1,600.00

35


!=@@ lbAoZj/L xfO8«f]kfj/

sDklg lnld6]8

1100.00 1100.00 1100.00

!=@# l;ghL{ kfj/

8]enkd]06 lnld6]8

61600.00 149688.00 61600.00

!=@$ g]kfn nfOkm OG:of]/]G; 275880.00 519816.00 275880.00

!=@% ?/n dfO{qmf]kmfO{gfG;\

8]enkd]06 ;]06/ lnld6]8

169725.00

@= l8a]Gr/ tyf a08 nufgL -

@=! gljn OGe]:6d]G6 2,287,370.0 4506118.90 2,287,370.0 2,287,370.00

@=@= glan OSo'l6 kmG8 112640.00 112640.00 112640.00 -

@=# =========

s"n nufgL 17,194,841.61 20,139,928.90 3,241,853.06 17,194,841.61 20,377,245.17

#= hf]lvd ;DaGwL Aoj:yf

#=! ut jif{ ;Ddsf] Aoj:yf 100000.00 100000.00 -

#=@ o; jif{sf] yk÷36 3,141,853.06 3,141,853.06 -

s"n Aoj:yf 3,241,853.06 3,241,853.06 -

v"b nufgL 13,952,988.55 20,139,928.90 3,241,853.06 13,952,988.55 20,377,245.17

gf]6 M # jif{ eGbf a9L ;dob]lv nfef+z 3f]if0ff tyf ljt/0f gu/]sf sDkgLx? ePdf To:tf sDkgLx?sf] gfd

v'nfpg' kg]{ 5 .

cg';"rL $=!@=!


Jofkfl/s nufgL -Held for Trading) cfly{s jif{ @)&$ cfiff9 d;fGt

ljj/0f k/n

d'No

kl5Nnf] ahf/

d"No -s_

xfnsf]

ahf/

d"No

-v_

o; jif{

gfkmf÷gf]S;fg

-v -s_

ut jif{

gfkmf÷gf]S;fg

/sd s}lkmo

t

!= g]kfn ;/sf/sf] 6«]h/L ljn - - - - - -

!= g]kfn ;/sf/sf] art kq - - - - - -

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

$=g]kfn /fi6« a}+s C0fkq - - - - - -

%= lab]zL C0fkq - - - - - -

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

;]o/

- - - - - -

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf]

l8j]~r/ tyf j08

- - - - - -

*=:j]b]zL ;+ul7t ;+:yfsf] ;]o/,

l8j]~r/ tyf j08

- - - - - -

(= ljb]zL a}+s nufgL -

Placement_

- - - - - -

!)= Interbank Lending - - - - - -

!!= cGo nufgL - - - - - -

s"n nufgL - - - - - -

36


cg';"rL $=!@=@


e'QmfgL ldlt;Dd wf/0f ug]{ nufgL -Held to Maturity_

cfly{s jif{ @)&$ cfiff9 d;fGt

ljj/0f

k/n

df]n

-s_

xfn

;Ddsf]

Iflt /sd

-v_

o; jif{sf]

Iflt /sd

-u_

o; jif{

gfkmf÷gf]S;fg -

s- v-u_

ut jif{

gfkmf÷gf]S

;fg /sd s}lkmo

t

!= g]kfn ;/sf/sf] 6«]h/L ljn - - - - - -

!= g]kfn ;/sf/sf] art kq - - - - - -

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

C0fkq - - - - - -

$=g]kfn /fi6« a}+s C0fkq - - - - - -

%= lab]zL C0fkq - - - - - -

^= :jb]zL Ohfhtkqk|fKt

;+:yfsf] ;]o/ - - - - - -

&= :jb]zL Ohfhtkqk|fKt

;+:yfsf] l8j]~r/ tyf j08 - - - - - -

*=:j]b]zL ;+ul7t ;+:yfsf]

;]o/, l8j]~r/ tyf j08 2,400,010.00 - - 2,400,010.00 -

glan

Aofn]G; /

Oso'l^

km)*

(= ljb]zL a}+s nufgL

-Placement_ - - - - - -

!)= cGo nufgL - - - - - -

s"n nufgL 2,400,010.00 - - 2,400,010.00 - -

cg';"rL $=!@=#


ljqmLsf] nflu pknAw nufgL -Available for Sale_

cfly{s jif{ @)&$ cfiff9 d;fGt

ljj/0f k/n d"No

kl5Nnf]

ahf/ d"No

-s_

xfnsf]

ahf/

d"No

-v_

o; jif{

sf]if

;dfof]hg

/sd-v

-s_

ut jif{

gfkmf÷gf]S

;fg /sd s}lkmo

t

!= g]kfn ;/sf/sf] 6«]h/L ljn

!= g]kfn ;/sf/sf] art kq

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

$=g]kfn /fi6« a}+s C0fkq

%= lab]zL C0fkq

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

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf]

l8j]~r/ tyf j08 14,794,831.61

*= :j]b]zL ;+ul7t ;+:yfsf] ;]o/,

l8j]~r/ tyf j08

(= ljb]zL a}+s nufgL -Placement_

!)= cGo nufgL

s'n nufgL 14,794,831.61

37


g]=/f=a}+=lgb{]zg cg';"rL $=!#


shf{ ;fk6 tyf lan vl/b juL{s/0f / ;f]sf] nflu Aoj:yf

@)&$ cfiff9 d;fGt

ljj/0f

shf{ v/Lb tyf

l8:sfp06 ul/Psf

ljn

o; jif{ ? ut jif{ ?=

:jb]zL

ljb]zL

hDdf k|f=If]=

cGo

:jb]zL

lab]zL

hDdf

ljldt cljldt

!= ;ls|o shf{ ;fk6

(Performing)

315,875,020.00 64,709,370.00 1,905,090,229.42 - 2,285,674,619.42

2,285,674,619.42 1,612,462,734.45

!=! c;n 315,736,040.00 64,068,390.00 1,846,343,159.42 - 2,226,147,589.42 - - - 2,226,147,589.42 1,532,467,572.59

!=@ ;'Id lgu/fgL

138,980.00 640,980.00 58,747,070.00

59,527,030.00

59,527,030.00 79,995,161.86

lgl:s[o shf{ ;fk6 (Non

Performing ) 180,060.00 473,880.00 22,284,330.00 - 22,938,270.00 - - - 22,938,270.00 31,920,800.93

@=! k'g/;+rgf ul/Psf]

-

-

- -

@=@ sd;n 157030 272500.00 9,936,460.00 - 10,365,990.00 - - - 10,365,990.00 15,814,376.33

@=# z+sf:kb 23030 100490.00 3,402,370.00 - 3,525,890.00 - - - 3,525,890.00 4,878,530.69

@=$ v/fa

100890.00 8,945,500.00 - 9,046,390.00 - - - 9,046,390.00 11,227,893.91

-s_ s"n shf{ 316,055,080.00 65,183,250.00 1,927,374,559.42 - 2,308,612,889.42

2,308,612,889.42 1,644,383,535.38

#= shf{ gf]S;fgL Aoj:yf

- -

#=! c;n 3,157,360.40 640,683.90 18,463,431.59 - 22,261,475.89 - - - 22,261,475.89 15,324,675.73

#=@ ;'Id lgu/fgL 6,949.00 32,049.00 2,937,353.50

2,976,351.50

2,976,351.50 3,199,806.47

#=# k'g/;+/rgf ul/Psf]

#=$ sd;n 39,257.50 68,125.00 2,484,115.00 - 2,591,497.50 - - - 2,591,497.50 3,953,594.08

#=% z+sf:kb 11,515.00 50,245.00 1,701,185.00 - 1,762,945.00 - - - 1,762,945.00 2,439,265.35

#=^ v/fa - 100,890.00 8,945,500.00 - 9,046,390.00 - - - 9,046,390.00 11,227,893.91

#=& cltl/Qm shf{ gf]=Ao= -

1,147,420.88 - 1,147,420.88

1,147,420.88 17.76

-v_ s"n Aoj:yf 3,215,081.90 891,992.90 35,679,005.97 - 39,786,080.77

39,786,080.77 36,145,253.30

$= ut jif{;Ddsf]

Aoj:yf

- -

$=! c;n 1,537,770.40 262492.6 13,524,412.73

15,324,675.73

15,324,675.73 11,457,230.75

$=@ ;'Id lgu/fgL

64792.4 3,135,014.07

3,199,806.47

3,199,806.47 810,065.70

$=# k'g/;+/rgf ul/Psf] - 0 - - - - - - - -

$=$ sd;n - 361225 3,592,369.08 - 3,953,594.08 - - - 3,953,594.08 2,060,981.00

$=% z+sf:kb - 407750 2,031,515.35 - 2,439,265.35 - - - 2,439,265.35 3,355,303.28

$=^ v/fa - 120000 11,107,893.91 - 11,227,893.91 - - - 11,227,893.91 8,745,213.52

$=& cltl/Qm shf{ gf]=Ao - - 17.76 - 17.76 - - - 17.76 1,808.23

-u_ ut jif{;Ddsf]

Aoj:yf

1,537,770.40 1,216,260.00 33,391,222.90 - 36,145,253.30 - - - 36,145,253.30 26,430,602.48

-3_ o; jif{sf]

Aoj:yfaf6 lkmtf{

- - - - - - - - - -

-ª_o; jif{sf] yk Joj:yf 1,677,311.50 (324,267.10) 2,287,783.07 - 3,640,827.47 - - - 3,640,827.47 9,714,650.81

o; jif{sf] v'b yk36 1,677,311.50 (324,267.10) 2,287,783.07 - 3,640,827.47

3,640,827.47 9,714,650.81

v'b shf{ -s - v_ 312,839,998.10 64,291,257.10 1,891,695,553.45 - 2,268,826,808.65 - - - 2,268,826,808.65 1,608,238,282.08

38


cg';"rL $=!# -s_


shf{, ;fk6 / laN; v/Lbsf] ;'/If0f

@)&$ cfiff9 d;fGt


s= ;'/lIft 1,992,557,809.42 1,644,383,535.38

!= rn÷crn ;DklQsf] ;'/If0fdf 1,955,348,625.38 1,638,984,716.25

@= :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf - -

#= ;/sf/L hdfgtdf - -

$= cGt{/fli6«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 37,209,184.04 5,398,819.13

v= cGo Ohfhtkq k|fKt ;+:yfsf] d'2tL /;Lbsf] ;'/If0f - -

&= ;/sf/L C0fkqsf] ;'/If0fdf - -

*= sfp06/ hdfgtdf - -

(= AolQmut hdfgtdf 316,055,080.00 -

!)= cGo ;'/If0fdf - -

v= c;'/lIft - -

hDdf 2,308,612,889.42 1,644,383,535.38

39


cg';"rL $=!$


l:y/ ;DklQ

@)&$ ;fn ciff9 d;fGt

cg';"rL $=!%


u}/ a}+lsË ;DklQ

@)&$ ;fn cfiff9 d;fGt

C0fL jf kf6l{sf]

gfd 7]ufgf

u}/ a}+lsË ;DklQ

;/sf/ u/]sf] ldlt

s'n u}/ a}+lsË

;DklQ ?

gf]S;fgL Aoj:yf v'b u}/ a}+lsË

;DklQ ?= ut jif{ ?=

k|ltzt /sd ?=

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - -

- - - - - - - s'n hDdf - - - - - -

ljj/0f

;DkQL

o; jif{ ?= ut jif{ ?= ejg

kl/jxg ;fwg sDKo'6/ tyf

pks/0f sfof{no ;fdfg cGo ;dfg

!= k/ndf]n

s= ut jif{sf] df}Hbft 1,396,720.00

4,968,940.93

4,354,923.95

18,558,487.34

1,339,550.00

30,618,622.22

26,351,640.70

v= o; jif{ yk 1,813,675.51

5,716,351.24

2,472,062.96

14,163,378.37

- 24,165,468.08

8,190,859.94

u= o; jif{

k"g{d'Nof+sg÷k'g{n]vg

- - - - - - -

3= o; jif{sf] laqmL - - - - - - -

ª= o; jif{sf] ckn]vg (3,923,878.42)

s'n -s±v±u±3±ª_ k/ndf]n 3,210,395.51 10,685,292.17 6,826,986.91 32,721,865.71 1,339,550.00 54,784,090.30 30,618,622.22

@= x|f; s§L

s= ut jif{;Ddsf] 23,278.67

2,412,909.73

2,444,044.50 10,357,351.81

133,955.00

15,371,539.71

15,153,644.94

v= o; jif{sf] 77,740.44

1,532,553.66

866,069.74

4,091,995.63

180,839.20

6,749,198.67

3,187,547.90

u= x|f;s§L

k'g{d'Nof{sg÷k'g{n]vg

-

3= x|f;s§L /sd

;dfof]hg÷lkmtf{

- (2,969,653.13)

s'n x|f;s§L 101,019.11 3,945,463.39 3,310,114.24 14,449,347.44 314,794.20 22,120,738.38 15,371,539.71

#= a's Eofn' -WDV*_ -!-@_ 3,109,376.40 6,739,828.78 3,516,872.67 18,272,518.27 1,024,755.80 32,663,351.92 15,247,082.51

$= hUuf 38,678,019.00

- - - - 38,678,019.00

38,678,019.00

%= k"FhLut lgdf{0f -k"FhLs/0f

ul/g' kg]{_

- - - - - - -

^=nLh xf]N8 ;DklQ - - - - -

hDdf -#±$±%±^_ 41,787,395.40 6,739,828.78 3,516,872.67 18,272,518.27 1,024,755.80 71,341,370.92 53,925,101.51

40


cg';"rL $=!^


cGo ;DklQ



!= d;nGb df}Hbft 2,137,745.63 1,399,726.53

@= nufgLdf c;"n ug{ afFsL cfDbfgL

#= shf{df c;"n ug{ afFsL Aofh 9,630,690.49 7,309,530.79

Go"g Aofh d'NtaL /sd (9,630,690.49) (7,309,530.79)

$= c;"n ug{ afFsL sldzg

%= ;G8«L 8]6;{ 10,769,199.06 5,181,657.53

^= sd{rf/L ;fk6L / k]ZsL 31,573,313.13 19,037,866.68

&= clu|d e'QmfgL 1,988,105.71 1,917,623.91

*= dfu{:y gub - -

(= dfu{:y cGo -r]s ;d]t_ - -

!)= lagf ;"rgf 8«fˆ6sf] e'QmfgL - -

!!= ckn]vg x'g afFsL 14,550,834.75 6,506,985.14

!@= zfvf ldnfg lx;fa -

!#= :yug s/ ;DklQ 2,210,324.81 1,212,513.20

!$= cGo -clu|d cfos/_ 116,852.35 1,088,671.63

hDdf 63,346,375.44 36,345,044.62

cg';"rL $=!^-s_


cGo ;DklQ -yk ljj/0f_

@)&$ cfiff9 d;fGt

ljj/0f

o; jif{ ?=

ut jif{ ?=

! jif{;Dd

! jif{b]lv

dfly #

jif{;Dd

#

jif{eGbf

dfly

hDdf

!= shf{df c;'n ug{ afFsL

Aofh

9,630,690.49 9,630,690.49 7,309,530.79

@= lagf ;'rgf 8«fˆ6sf]

e"QmfgL

- - - 0 -

#= zfvf ldnfg lx;fa - - - - -

$= :jb]zL lab]zL Ph]G;L

lx;fa

- - - -

41


cg';"rL $=!&


;Defljt bfloTjx?



!= ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] - -

@= k|lttkqx? -k'/f /sd_ - -

s= ^ dlxgf eGbf sd cjlwsf] - -

v= ^ dlxgf eGbf a9L cjlwsf] - -

#= k"gM l8:sfp06 ul/Psf lanx? - -

$= Dofb gfl3 g;s]sf] Uof/]G6L÷aG8 - - s= la8 a08 - - v= k/km/d]G; a08 3,900,000.00 2,100,000.00 u= cGo Uof/]06L÷a08 - - %= r'Qmf jf e'Qmfg x'g afFsL z]o/ nufgL - -

^= km/jf8{ PS:r]~h sG6«fS6sf] afFsL bfloTjx? - -

&= sn]S;gdf /x]sf lanx? - -

*= d~h'/L tyf ;dy{g (Acceptance & Endorsement) - -

(= k|Tofe'lt k|lta4tf (Underwriting Commitment) - -

!)= ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan

Commitment)

80,679,770.00 69,004,060.00-

!!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L - -

!@= clu|d e'QmfgL Uof/]06L (Advance Payment

Guarantee)

- -

!#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial

Guarantee)

15,961,000.00 11,900,000.00

!$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities

on Income Tax)

- -

84,579,770.00 71,104,060.00

mailto:!@=%20clu%7Cd%20e'QmfgL%20Uof/%5d06L%20(Advance%20Payment%20Guarantee)

mailto:!@=%20clu%7Cd%20e'QmfgL%20Uof/%5d06L%20(Advance%20Payment%20Guarantee)

42


cg';"rL $=!*


Aofh cfDbfgL

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


s= shf{ ;fk6 / clwljsif{df 276,912,026.54 186,986,911.17

!= shf{ ;fk6 276,912,026.54 186,986,911.17

@= clwljsif{ v= nufgLdf - - != g]]kfn ;/sf/sf] ;'/If0f kq - - s= 6«]h/L laN; - - v= lasf; C0fkq - - u= /fli6«o artkq - - @= lab]zL C0fkq - - -s_ =============== - - -v_ ============== - - #= g]kfn /fi6« a}+ssf] C0fkq - - $= l8a]Gr/ tyf a08 - - %= cGt/ a}+s nufgLdf Aofh - - s= a}+s÷ljQLo ;+:yfx? v= cGo ;+:yfx? - - u= Ph]G;L df}Hbftdf - - != :jb]zL a}+s÷ljQLo ;+:yfx? - - @= lab]zL a}+sx? - - 3= dfu tyf cNk;"rgfdf k|fKt x'g]

df}Hbftdf

25,639,721.29 13,189,806.41

!= :jb]zL a}+s÷ljQLo ;+:yfx? 25,639,721.29 13,189,806.41

@= lab]zL a}+sx? - - ª= cGodf != ;l6{lkms]6 ckm l8kf]lh6 - - @= cGt/ a}+s÷ljQLo ;+:yf shf{ - - #= cGo - -

hDdf 302,551,747.83 200,176,717.58

43


cg';"rL $=!(


Aofh vr{

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


s= lgIf]k bfloTjdf != d'2tL lgIf]k 40,881,131.66 26,300,837.58 !=! :jb]zL d'b|f 40,881,131.66 26,300,837.58 !=@ lab]zL d'b|f @= art lgIf]k 72,781,448.76 60,280,912.62 @=! :jb]zL d'b|f 72,781,448.76 60,280,912.62 @=@ lab]zL d'b|f - - #= dfu]sf] avt ltg'{kg{] lgIf]k 23,742,732.95 4,948,878.71 #=! :jb]zL d'b|f 23,742,732.95 4,948,878.71 #=@ lab]zL d'b|f - -

$= ;l6{lkms]6 ckm l8kf]lh6\; - -

v= shf{ ;fk6df - -

!= C0fkq tyf a08 - -

@= g]kfn /fi6« a}+saf6 k|fKt shf{ - -

#= cGt/ a}+s÷ljQLo ;+:yf shf{ - -

$= cGo ;+ul7t ;+:yf - -

%= cGo shf{ - -

u= cGodf - -

!= ========== - -

@= ========== - -

hDdf 137,405,313.37 91,530,628.91 cg';"rL $=@)


sldzg tyf l8:sfp06

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


s= laN; v/Lb tyf l8:sfp06

!= :jb]zL - -

@= lab]zL - -

v= sldzg 7,614,981.28 3,703,592.88

!= k|lttkq - -

@= hdfgtkq 148,405.00 189,500.00

#= sn]S;g kmL - -

$= /]ld6]G; kmL 3,649,102.14 2,787,613.30

%= s|]l86 sf8{ - -

^= z]o/ k|Tofe'lt÷lgisfzg - -

&= ;/sf/L sf/f]af/ jfkt - -

*= sldzg jfkt 3,817,474.14 726,479.58

(= a§f cfDbfgL - -

u= cGo 1,609,306.39 183,120.96

hDdf 9,224,287.67 3,886,713.84

44


cg';"rL $=@!


cGo ;~rfng cfDbfgL

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


!= ;]km l8kf]lh6 eN6sf] ef8f - - @= s]|l86 sf8{ lgZsfzg tyf gjLs/0f - - #= ATM sf8{ lg:sfzg tyf gjLs/0f - - $= 6]n]S;÷l6=l6= - -

%= ;]jf z'Ns 10,062,593.54 12,510,343.81 ^= gjLs/0f z'Ns - - &= cGo - -

hDdf 10,062,593.54 12,510,343.81 cg';"rL $=@@


;6xL 36a9 cfDbfgL÷gf]S;fg

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


s= ljlgdo b/df ePsf] km/saf6 - -

v= lab]zL d'b|f sf/f]jf/af6 -a§f afx]s_ - -

hDdf cfDbfgL÷gf]S;fg - -

cg';"rL $=@#


sd{rf/L vr{

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd

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

!= tna 19,936,418.49 13,856,411.26

@= eQf 6,170,914.35 4,037,601.84

#= ;~rosf]ifdf yk 1,137,545.16 913,964.57

$= tflnd vr{ 906,620.81 318,564.38

%= kf]zfs 19,200.00 45,850.00

^= cf}ifwf]krf/ 1,804,408.51 1,261,474.57

&= aLdf - 120,324.61

*= k]G;g tyf pkbfg Aoj:yf 571,660.00 477,524.00

(= bz} vr{ 1,780,510.20 1,300,007.33

!)= cltl/Qm ;do sfo{ u/]jfkt vr{ 882,374.68 636,503.20

!!= ljbf jfktsf] vr{ 2,955,327.80 2,023,431.36

!@= cGo

hDdf 36,164,980.00 24,991,657.12

mailto:!@=%20cGo

45


cg';"rL $=@$


cGo ;~rfng vr{

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


!= 3/ef8f 4,715,233.77 2,630,115.47

@= aQL, lah'nL / kfgL 1,399,136.70 853,051.27

#= dd{t tyf ;Def/ 701,874.29 1,110,637.67

s= ejg=================

v= ;jf/L ;fwg======= 354,452.93 196,760.76

u= kmlg{r/ tyf sfof{no pks/0f 239,739.75 444,425.41

3= cGo dd{t tyf ;Def/ 107,681.61 469,451.50

$= aLdf 880,510.00 546,278.04

%= kf]:6]h, 6]n]S;, 6]lnkmf]g, ˆofS; 753,142.18 562,557.54

^= sfof{no pks/0f, kmlg{r/ / ;Def/

&= e|d0f eQf / vr{ 602,847.62 426,990.19

*= d;nGb / 5kfO{ 1,975,339.68 1,216,669.24

(= kqklqsf tyf k':ts 55,998.00 58,810.00

!)=la1fkg 580,509.13 424,826.78

!!=sfg'gL vr{ 25,000.00 25,000.00

!@=rGbf 400.00 1,585.00

!#=;~rfns ;ldlt ;DaGwL vr{ 571,172.05 438,000.00

s= a}7s eQf============== 499,500.00 438,000.00

v= cGo vr{=============== 71,672.05

!$= ;fwf/0f ;ef ;DaGwL vr{ 371,763.55 443,417.84

!%= n]vfk/LIf0f ;DaGwL 355,695.00 601,050.53

s= afXo n]vfk/LIf0f z'Ns======= 339,000.00 339,000.00

v=cfGtl/s n]vf k/LIf0f z'Ns -

u= cGo vr{================== 16,695.00 262,050.53

!^= /sd :yfgfGt/0f sldzg /z'Ns - -

!&= :yL/ ;DklQdf Xf; s§L 6,749,198.67 3,187,547.90

!*= k"j{ ;~rfng vr{ ckn]vg - -

!(= z]o/ lgisfzg vr{ - -

@)= k|fljlws ;]jf ;f]wegf{ - -

@!= dgf]/~hg vr{ 88,175.76 103,074.11

@@= ckn]vg vr{ 2,704,455.74 1,551,263.76

@#= ;'/Iff vr{ -

@$= shf{ ;'/If0f lk|ldod 3,542,540.99 1,366,724.38

@%= sldzg / l8:sfp06 75,550.64 329,214.55

@^= cGo===================== 12,809,370.31 5,735,235.21

-s_ ahf/ k|ltlglw 2,489,322.20 359,303.50

-v_ z'Ns tyf b:t'/ 4,340,630.13 2,012,165.63

-u_ zfvf ;+:yfkg vr{ 267,506.65 56,437.50

-3_ OGwg vr{ 951,124.88 729,063.60

-8+_ sfof{no ;+rfng vr{ 494,361.28 284,839.93

-r_ jflif{sf]T;j vr{ 266,193.30 222,255.58

-5_ Jofkf/ k|jw{g vr{ 542,424.00 437,888.56

h_ sfof{no ;/;kmfO{ 347,956.00 249,470.00

-em_ z]o/ /lhi6«f/ - -

-`_ OG6/g]6 vr{ 1,431,207.33 907,225.00

-6_ cGo 1,678,644.54 476,585.91

hDdf 38,957,914.08 21,612,049.48

46


cg';"rL $=@%


;Defljt gf]S;fgL Aoj:yf

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


!= shf{ gf]S;fgL Aoj:yfdf ePsf] j[l4 15,615,502.58 9,714,650.82

@= nufgL gf]S;fgL Aoj:yfdf ePsf] j[l4 3,141,853.06

#= u}/ a}+lsu ;DklQ gf]S;fgL Aoj:yf - -

$= cGo ;DklQdf ul/Psf] Aoj:yf 3,861.80 173,593.85

hDdf 18,761,217.44 9,888,244.67

cg';"rL $=@^


u}/ ;+rfng cfDbfgL÷gf]S;fg

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


!= nufgL las|Laf6 cfDbfgL÷ -gf]S;fg_ 8,419,505.15 23,454,875.93

@= ;DklQ las|Laf6 cfDbfgL÷-gf]S;fg_ - (524,391.27)

#= nfef+z 686,211.00 -

$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot

s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk'lt{ - -

v= Aofh Ifltk'lt{ - -

u= ;6xL sfpG6/ - -

%= cGo - -

v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 9,105,716.15 22,930,484.66

cg';"rL $=@&


;Defljt gf]S;fgL Aoj:yfaf6 lkmtf{

cfly{s jif{ @)&#÷)&$


!= shf{ gf]S;fgL Aoj:yfaf6 lkmtf{ 11,974,675.05

@= u}/ a}+lsu ;DklQ gf]S;fgL Aoj:yfaf6 lkmtf{ - -

#= nufgL Aoj:yfaf6 lkmtf{

$= cGo ;DklQsf] Aoj:yfaf6 lkmtf{ 570,000.00 5,000,000.00

hDdf 12,544,675.05 5,000,000.00

47


cg';"rL $=@*


c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{

>fj0f !, @)&# b]lv #! cfiff9 @)&$ ;Dd


!= ckn]vg ePsf] shf{sf] c;'nL - -

@= :j]lR5s cjsfz vr{ - -

#= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@*s_ - -

$= cGo vr{÷cfDbfgL - -

%= lgIf]ksf] Joj:yfdf ePsf] vr{ -

hDdf -

cg';"rL $=@* -s_


ckn]vg shf{sf] ljj/0f

cfly{s jif{ @)&$ cfiff9 d;fGtsf]

qm=;+= shf{ k|sf/

ckn]vg

ul/Psf]

/sd

lwtf]sf]

k|sf/ tyf

/sd

lwtf]

d"Nof+sgsf]

cfwf/

shf{ :jLs[t

ug{]

clwsf/L÷tx

shf{ c;'nLsf

nflu eP

u/]sf k|of;

s}lkmot

!= rfn" k+"hL shf{ - - - - - -

@= kl/of]hgf shf{ - - - - - -

#= l:y/ k"+hL shf{ - - - - - -

$= AolQut shf{ - - - - - -

%= cGo shf{ - - - - - -

s"n shf{ - - - - - -

gf]6 M cfly{s jif{el/df ckn]vg ul/Psf] shf{sf] ljj/0f dfly pNn]v ug{'kg]{ 5 .

48


cg';"rL $=@(


;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f

@)&$ cfiff9 d;fGt

v/Lb tyf l8:sfp06 ul/Psf lanx? / shf{, ;fk6 tyf clwljsif{df k|jflxt s'n /sddWo] ;~rfns,

sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf AolQm hdfgL a;]sf]

jf d}g]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;~rfns÷

sfo{sf/L k|d'vsf] gfd

ut jif{;Ddsf]

afFsL o; jif{ c;'nL

o; jif{ yk

shf{

cfiff9 d;fGt;Dd afFsL

;fFjf Aofh ;fFjf Aofh ;fFjf Aofh

s= ;~rfns

!= - - - - - - -

@= - - - - - - -

v= sfo{sf/L k|d'v

!= - - - - - - -

@= - - - - - - -

u= ;+:yfks

!= - - - - - - -

@= - - - - - - -

3= sd{rf/L

!= - - - - - - -

@= - - - - - - -

ª= z]o/wgLx?

!= - - - - - - -

@= - - - - - - -

hDdf - - - - - - -

49


cg';"rL $=#)

s~rg 8]end]G6 a}+s lnld6]8

k"FhLsf]if tflnsf

@)&$ cfiff9 d;fGt

?=xhf/df

ljj/0f o; jif{ ut jif{

s= k|fylds k"FhL 446,959.70 280,285.31

!= r'Qmf k"FhL -;fwf/0f z]o/_ 346,500.00 198,000.00 @= k|:tfljt af]g; z]o/ 55,550.00 49,500.00 #= z]o/ lk|ldod - - $= lkmtf{ gx'g] cu|lwsf/ z]o/ - - %= ;fwf/0f hu]8f sf]if 46,974.17 32,720.00 ^= ;l~rt gfkmf÷-gf]S;fg_ 145.86 1,277.82 &= jf;nftdf b]vfO{Psf] rfn' cf=j= sf] gfkmf–gf]S;fg

lx;fasf /sd

*= k"FhL lkmtf{ hu]8f sf]if 0.00 0.00 (= k"FhL ;dfof]hg sf]if 0.00 0.00 !)= sN; Og P8\efG; 0.00 0.00 !!= cGo :jtGq sf]ifx? 0.00 0.00 36fpg] M 2,210.32 1,212.51

— Voflt -Goodwill_ jfktsf] /sd - -

— :yug s/ ;DklQ -Deferred Tax Assets_ 2,210.32 1,212.51

— ;LdfeGbf a9L ;]o/, ;'/If0fkqdf nufgL ul/Psf] /sd - - — ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd 0.00 0.00

— cjf:tljs ;DklQ -Fictitious Assets_ 0.00 0.00

— o; a}+ssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu

3/hUuf vl/b u/]sf] /sd

— ;LdfeGbf a9L cfjf; ejg lgdf{0f tyf hUuf ljsf;df

nufgL u/]sf] /sd

— tf]lsPsf] ;doleq ljqmL ljt/0f ug{ g;s]sf] z]o/

k|Tofe"lt .

— k|rlnt P]g tyf sfg'gn] k|ltaGw u/]sf JolQm tyf

;d"xx?nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx?

v= k"/s k"FhL 26,681.14 18,888.30

!= c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Aoj:yf 25,237.83 18,524.48 @= cltl/Qm shf{ gf]S;fgL Aoj:yf 1,147.42 0.02 #= xfOla|8 k"FhL pks/0fx? - - $= ;'/If0f g/flvPsf] ;xfos cfjlws C0f - - %= ;6xL ;lds/0f sf]if - - ^= ;DklQ k"g{d"Nof+sg sf]if - - &= nufgL ;dfof]hg sf]if 295.90 363.80

u= hDdf k"FhLsf]if -s±v_ 473,640.85 299,173.61

3= hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg{] Go"gtd

k"FhLsf]if

k"FhLsf]if -!! k|ltzt_ 16.69% 14.72% k|fylds k"FhL -%=% k|ltzt_ 15.75% 13.80% k"FhLsf]if clws %=^( k|ltztn] 5.69% 3.72% k|fylds k"FhL clws !)=@% k|ltztn] 10.25% 8.30%

50


cg';"rL $=#)-s_


hf]lvd efl/t ;DklQ ljj/0f tflnsf -æsÆ ju{ afx]s_

cfly{s jif{ @)&$ cfiff9

?= xhf/df

-s_ jf;nft adf]lhdsf] ;DklQ

(On-Balance-sheet Assets) ef/

o; jif{ ut jif{

/sd

hf]lvd

efl/t

;DklQ

/sd hf]lvd efl/t

;DklQ

gub df}Hbft 0 61,760.75 45,830.39

;'g -ljlgdo of]Uo_ 0 - -

g]kfn /fi6« a}+sdf /x]sf] df}Hbft 0 68,023.62 10,952.41

g]kfn ;/sf/sf] C0fkqdf ul/Psf]

nufgL 0 0.00 0.00

g]kfn /fi6« a}+s C0fkqdf ul/Psf]

nufgL 0 0.00 0.00

cfˆg} d'2tL /;Lbsf] lwtf]df k"0f{

;'/lIft x'g] u/L k|bfg ul/Psf] d'2tL

/;Lb lwtf] shf{

0 37,209.18 5,398.82

;/sf/L C0fkqsf] lwtf]df k"0f{ ;'/lIft

x'g] u/L k|bfg ul/Psf] shf{ 0 0.00 0.00

art kqsf] kfpg' kg]{ Aofh /sd -

Accrued Interest 0 0.00 - 0.00 -

ljkGg shf{ cGt{ut u0fgf x'g] o'jf

tyf ;fgf Joj;foL :j/f]huf/ sf]ifdf

v / u ju{sf Ohfhtkq k|fKt

;+:yfn] hDdf u/]sf] /sd

0 0.00 - 0.00 -

:jb]zL a}+s tyf ljQLo ;+:yfx?df

/x]sf] df}Hbft ÷d'2tL

/;Lbsf] bfjL (Claims) 20 120,000.00 24,000.00 80,000.00 16,000.00

cGo a}+s tyf ljQLo ;+:yfx?sf]

d'2tL /;Lbsf] lwtf]df k"0f{ ;'/lIft

x'g] u/L k|bfg ul/Psf] d'2tL /;Lb

lwtf] shf{

20 0.00 - 0.00 -

lab]zL a}+sx?df /x]sf] df}Hbft 20 0.00 - 0.00 -

dfu]sf] avt k|fKt x'g] /sd

(Money at Call) 20 643,267.63 128,653.53 362,953.71 72,590.74

cGt/f{li6«o >]0fLs[t (Rated) Ohfhtkqk|fKt ;+:yfsf] Uof/]06Ldf

uPsf] shf{

20 0.00 0.00 0.00 0.00

cGt/f{li6«o >]0fLs[t (Rated)a}+ssf]

u/]sf] cGo nufgL

20 0.00 - 0.00 -

cGt/a}s ;fk6L 20 0.00 - 0.00 -

z]o/, l8a]Gr/ Pj+ a08df ePsf]

nufgL 100 13,952.99 13,952.99 20,377.25 20,377.25

cGo nufgLx? 100

shf{, ;fk6 tyf laN;

vl/b÷l8:sfp06 ;d]t -s'n /sd_ 100 2,271,403.71 2,271,403.71 1,638,984.72 1,638,984.72

l:y/ ;DklQx? 100 71,341.37 71,341.37 53,925.10 53,925.10

kfpg' kg]{ cGo v'b Aofh /sd 100 0.00 0.00 0.00 0.00

cGo ;a} ;DklQx? -v'b clu|d s/ 100 63,229.52 63,229.52 35,256.37 35,256.37

51


bflvnf afx]s_

;Ldf gf3]sf] l/on :6]6÷cfjf;Lo 3/

shf{ 150 0.00 0.00 0.00 0.00

-s_ hDdf 3,350,188.77 2,572,581.11 2,253,678.77 1,837,134.18

(v)jf;nft aflx/sf sf/f]af/x?

-Off -Balance-sheet Assets_

ljN; sn]S;g 0 0.00 0.00 0.00 0.00

clu|d ljb]zL ljlgdo ;Demf}tf 0 0.00 0.00 0.00 0.00

^ dlxgf eGbf sd cjlwsf] k|lttkq

-k"/} /sd_ 10 0.00 0.00 0.00 0.00

cGt/f{li6«o >]0fLs[t -Rated_ lab]zL

a}+ssf] sfp06/ Uof/]06Ldf hf/L

ul/Psf] Uof/]06L

20 0.00 0.00 0.00 0.00

^ dlxgf eGbf a9L cjlwsf] k|lttkq

-k"/} /sd_ 20 0.00 0.00 0.00 0.00

la8a08, k/km/d]G; a08 / k|Tofe"lt

Underwriting_ ;DjlGw k|ltj4tf 50 3,900.00 1,950.00 2,100.00 1,050.00

k"gM v/Lb ug]{ zt{df ljqmL u/]sf]

shf{ 50 0.00 0.00 0.00 0.00

clu|d e'QmfgL Uof/]06L (Advance

Payment Guarantee) 100 15,961.00 15,961.00 0.00 0.00

ljQLo tyf cGo hdfgt

(Financial and Other

Guarantee)

100 0.00 0.00 11,900.00 11,900.00

ckl/jTo{ shf{ k|lta4tf

(Irrevocable Loan

Commitment)

100 80,679.77 80,679.77 69,004.06 69,004.06

cfos/ jfkt ;Defljt bfloTj 100 0.00 0.00 0.00 0.00

Acceptance;lxt cGo ;a}

k|sf/sf ;Defljt bfloTjx? 100 0.00 0.00 0.00 0.00

e'QmfgLsf nflu bfjL k/]sf] hdfgt

(Unpaid Guarantee Claims) 0.00 0.00 0.00 0.00

;+:yf pk/ bfaL k/]sf] t/ ;+:yfn]

bfloTj :jLsf/ gu/]sf] ;Defljt

bfloTjx?

-v_ hDdf 100,540.77 98,590.77 83,004.06 81,954.06

;~rfng hf]lvd jfkt sfod ug'{kg]{

/sd -u_ 100 167,509.44 167,509.44 112,683.94 112,683.94

268,050.21 266,100.21 195,688.00 194,638.00

s'n hf]vd efl/t ;DklQ hDdf -s_

+ -v_ + -u_

3,618,238.98 2,838,681.32 2,449,366.76 2,031,772.18

52


cg';"rL $=#!


k|d'v ;"rsfÍ

sDtLdf ljut % jif{sf] kl/;"rsx?

ljj/0f ;"rsfÍ

cf=a= cf=a= cf=a= cf=j cf=j

)&#.&$ )&@.&# )&!.&@] )&).&! )^(.&)

!= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 22.14 29.19 24.08 21.56 8.88

@= k|lt z]o/ cfDbfgL ?= 20.57 25.54 25.19 22.53 10.71

#= k|lt z]o/ ahf/ d'No ?= 271.00 571.00 351.00 266.00 110.00

$= d'No cfDbfgL cg'kft -PE

Ratio_

cg'kft 13.18 22.36 13.93 11.81 10.27

%= z]o/ k"FhLdf nfef+z -af]g;

;lxt_

k|ltzt 16.88 26.32 25.00 20.00 15.79

^= z]o/ k"FhLdf gub nfef+z

e'QmfgL

k|ltzt 1.18 1.58 1.32 1.05 5.79

&= Aofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 13.34 12.45 13.40 14.06 16.26

*= sd{rf/L vr{÷s"n ;+rfng vr{ k|ltzt 48.14 53.63 49.66 48.17 44.72

(=s"n lgIf]k tyf ;fk6Ldf Aofh

vr{

k|ltzt 4.87 4.78 5.49 5.64 6.34

!)=;6xL 36a6÷s"n cfDbfgL k|ltzt

!!=sd{rf/L af]gz÷s"n sd{rf/L

vr{

k|ltzt 28.20 35.10 29.23 28.80 13.67

!@= v'b gfkmf÷shf{ ;fk6 k|ltzt 3.14 3.93 3.51 3.34 1.56

!#= v'b gfkmf÷s"n ;DklQ cg'kft 0.02 0.03 0.03 0.02 1.02

!$= s"n shf{÷lgIf]k -g]kfn /fi6«

a}+s_

k|ltzt 69.26 73.19 72.86 68.84 76.46

!%=s'n ;+rfng vr{÷s"n ;DklQ k|ltzt 2.27 2.10 2.32 2.31 2.46

!^= hf]lvd efl/t ;DklQdf

k"FhLsf]ifsf] k|ofKttf

k|ltzt

-s_ k|fylds k"FhL k|ltzt 15.75 13.80 12.24 12.48 14.45

-v_ k"/s k"FhL k|ltzt 0.94 0.93 0.77 0.82 0.86

-u_ s"n k"FhLsf]if k|ltzt 16.69 14.72 13.01 13.29 15.31

!&= t/ntf k|ltzt 31.63 26.11 28.50 34.82 2.20

!*= lgis[o shf{÷s"n shf{ k|ltzt 0.99 1.94 1.96 1.91 0.72

!(= Aofhb/ cGt/

-Weighted Average Interest

Rate Spread

k|ltzt 7.04 8.37 6.57 7.00 6.64

@)= a's g]6jy{ ?= 452,388,958

283,074,132

189,129,600

151,866,000

112,080,000

@!= s"n z]o/ ;+Vof 3,465,000 1,980,000 1,320,000 1,100,000 1,000,000

@@= s"n sd{rf/L ;+Vof 120 78 73.00 71 55

@#= cGo

53


cg';"rL 4=32

cfly{s aif{ 2073÷074 k|d'v n]vf gLltx?

1= ;fdfGo hfgsf/L

s`rg *]enkd]G^ a}+s lnld^]* g]kfndf :yflkt ;Lldt bfloTj ePsf] lasf; a}+s xf] . ldlt 2066

>fj)f 9 ut] sDkgL /lhi^ «f/sf] sfof{nodf btf{ eO{ ldlt 2066 cflZjg 2 ut] g]kfn /fi^ « a}+s

af^ :jLs[tL k|fKt u/L cflZjg 3 ut] af^ cfkmgf] sfo{ ;`rfng ub}{ cfPsf] % . o;sf] /lhi^{*{

sfof{no dx]Gb|gu/, s`rgk'/df /x]sf] % .

2= Kf|d'v n]vf gLltx?sf] ;f/f+zM

ljQLo ljj/)fx? tof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf %g\ . cGoyf

n]lvPsf]df afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf]% .

3= n]vf ;DaGwL cawf/)ff M

;+nUg ljQLo ljj/)fx? g]kfn n]vfdfg af]*{åf/f hf/L ul/Psf dfkb)*x?, a}+s tyf ljQLo ;+:yf

;DaGwL P]g, g]kfn /fi^ « a}+såf/f a}+s tyf ljQLo ;+:yfx?nfO{ hf/L ul/Psf lgb]{zgx? tyf sDkgL

P]gsf] clwgdf /lx tof/ kfl/Psf] % . cfly{s ljj/)fx? cGoyf pNn]v ul/Psf] afx]s k|f]befjL

cfwf/ (Accrual Basis)df cljl%Gg ;+rfngsf] dfGotfsf] cfwf/df (Going Concern Assumptions)tof/

ul/Psf] % .

4= n]vfª \sgsf] cfwf/ M

ljQLo ljj/)fx? P]ltxfl;s nfutsf] cfwf/df tof/ kfl/Psf %g\ . g]kfn n]vf dfkb)*x? cg'?k

ljQLo ljj/)fx? tof/ kfbf{ s]xL cfjZos n]vf cg'dfgx? ul/gfsf ;fy} ljleGg n]vf gLltx?sf]

kfngf ug]{ qmddf Joj:yfkgåf/f ljj]s k|of]u ug{'kg]{ cfjZostf /xG% .

5= Aofh cfDbfgL M

g]kfn /fi «̂ a}+ssf] lgb]{zg cg';f/ shf{ ;fk^df kfs]sf] AofhnfO{ gub k|fKtLsf] cfwf/df cfDbfgL

hgfpg] u/L n]vfª\sg ug]{ gLlt /x]sf] % . o;/L Aofh cfonfO{ gub k|fKtLsf] cfwf/df n]vfª\sg

ug{' g]kfn n]vfdfg 7 -cfosf] n]vf+sg_ df cfonfO{ kfs]sf] cfwf/df n]vfª \sg ug{' kg]{ l;$fGt

cg'?k %}g . nufgLaf^ cflh{t Aofh cfDbfgLnfO{ k|f]befjL cfwf/ (Accrual Basis)df n]vfª\sg ul/Psf]

% .

6= sldzg cfosf] n]vf+sg M

o; ;+:yfn] ljleGg sf/f]jf/af^ k|fKt x'g]] sldzg cfonfO{{ k|f]befjL cfwf/ (Accrual Basis)df

cfDbfgLdf n]vfª\sg ug]{ gLlt lnOPsf] % .

7= nfef+z cfo M

z]o/ nufgLaf^ k|fKt x'g] nfef+z cfonfO{ k|fKtLsf] xs (Rightto receive) sfod ePsf] cfwf/df

n]vfª \sg ug]{ gLlt lnPsf] % .

8= Aofh vr{ M

lgIf]k bfloTj tyf ;+:yfn] lnPsf] ;fk^Ldf ltg'{kg]{ AofhnfO{ k|f]befjL cfwf/(Accrual Basis) df n]vfª\sg

ul/Psf] % .

9= shf{ tyf ;fk^ M

o; lzif{sdf u|fxsnfO{ k|bfg ul/Psf k|ToIf shf{x? kb{%g\ . o; cGtu{t cNkfalw shf{, lb#f{jlw

shf{, pkef]Qmf shf{ tyf clwljsif{ shf{x? /x]sf %g\ h'g g]kfn /fi^ « a}+ssf] lgb]{lzsfsf] clwgdf

/lx hf]lvdsf] cfwf/df juL{s[t %g\ . pk/f]Qm shf{ tyf ;fk^ /sddf shf{ gf]S;fgL Joj:yf #^fO{

v'b /sd jf;nftdf b]vfOPsf] % .

54


10= sd{rf/L shf{ M

o; ;+:yfsf]] sd{rf/L ;]jf ljlgodfjnLsf] clwgdf /lx sd{rf/Lx?nfO{ k|bfg ul/Psf shf{ tyf

;fk^Lx? æcGo ;DklQÆ lzif{s cGtu{t b]vfOPsf]% . 2074 cfiff( d;fGtdf hDdf sd{rf/L shf{

;fk^L lzif{sdf ?=3,15,73,313=13 /x]sf]% .

11= shf{ gf]S;fgL Joj:yf M

;+:yfsf] shf{ tyf ;fk^df lgxLt hf]lvdnfO{ Go"g ug{ cfjZos /sdsf] Joj:yf ul/Psf]% . g]kfn

/fi «̂a}+ssf] lgb]{lzsfsf] cfwf/df shf{ tyf ;fk^nfO{ jlu{s/)f ul/ 1 b]lv 100 k|ltzt;Dd shf{

gf]S;fgL Joj:yf ul/Psf]% .

12= shf{ ckn]vg gLlt M

g]kfn /fi^ « a}+saf^ :jLs[t shf{ ckn]vg Joj:yf lalgodfjnLdf pNn]v eP cg'?k ;+:yfnfO{ s'g} shf{

c;'n pk/ x'g g;Sg] nfu]df pQm shf{nfO{, ;f] C0f pk/ ;+:yfsf] bfjLnfO{ clal%Gg /flv lstfaL

ckn]vg ug]{ gLlt cjnDjg ul/Psf] % . vftfaf^ ckn]vg ul/;s]sf] shf{af^ c;'n pk/ x'g] ;f+jf

tyf Aofh /sdnfO{ k|fKt ePsf] jif{df cfDbfgL hgfpg] gLlt /x]sf]% .

13= nufgL ;DaGwL gLlt M

g]kfn lwt]fkq lalgdo ahf/ ln= df ;"lrs[t ePsf sDkgLx?df ePsf] nufgLnfO{ g]kfn /fi^ « a}+ssf]

lgb]{zfg';f/ k/n d"No tyf ahf/ d"No dWo] h'g sd % ;f] d"Nodf d'Nofª \sg ul/Psf]% . k/n d"No

eGbf ahf/ d"No #^L ePsf] cj:yfdf ;Defljt hf]lvd Joxf]g{ gf]S;fgL Joj:yf ul/ v'b nufgL

b]vfpg] gLlt lnPsf]]% . ;"lrs[t gePsf sDkgLsf z]o/ tyf l*a]Gr/df ePsf] nufgLsf] d'Nof+sg

nfut d"Nodf ul/Psf] % .

;+:yfn] cfkm"n] u/]sf] nufgLnfO{ Jofkf/Ls nufgL (Held For Trade), laqmLsf] nflu pknAw nufgL (Available

for Sale)tyf e'QmfgL ldlt;Dd wf/)f ug]{ nufgL (Held to Maturity)u/L tLg efudf jlu{s/)f ul/Psf]] % .

-s_ Jofkf/Ls nufgL (Held For Trade)M cNksfndf d"Nodf x'g] kl/jt{gaf^ gfkmf cfh{g ug]{ p@]Zon]

ul/Psf nufgL tyf nufgL kf]^{kmf]lnof]df /x]sf Ps} k|s[ltsf ;DklQdf ePsf] nufgL o; ju{df

/fv]sf]% .

-v_ e'QmfgL ldlt;Dd wf/)f ug]{ nufgL (Held to Maturity)M e'QmfgL ldlt;Dd wf/)f ug]{ ;sf/fTds dg;fo

-Positive Intent_ / e'QmfgL ldlt;Dd wf/)f ug{ ;Sg] Ifdtf (Ability to Hold till Maturity)eO{ ul/Psf] nufgL

o; ju{df /flvPsf]% / o; k|sf/sf] nufgLnfO{ ckn]lvt nfutdf d"Nof+sg ul/Psf]% .-u_

laqmLsf] nflu pknAw nufgL (Available for Sale)M Jofkfl/s nufgL (Held For Trading)/ e'QmfgL ldlt ;Dd

wf/)f ug]{ nufgL (Held to Maturity)cGtu{t gkg]{ af+sL ;Dk")f{ nufgLnfO{ o; ju{df /flvPsf] % .

;+:yfn] laqmLsf] nflu pknAw nufgL kf]^{kmf]lnof] (Available for Sales Portfolio)sf] 2%;Ddsf] /sd k'/s

k"FhL(Supplementary of Tier 2 Capital)df u)fgf x'g] nufgL ;dfof]hg sf]if -Investment Adjustment Reserve)v*f

ul/ /fv]sf]% .

14= x|f; s§L gLlttyfk'FhLs[t gul/g] ;DklQx? ;DaGwL n]vfÍg gLlt

-s_ l:y/ ;DklQx?nfO{ cfos/ P]g, 2058 n] Joj:yf u/] cg';f/ jlu{s/)f u/L tf]lsPsf] b/n] #^\bf]

k|)ffnLsf cfwf/df vr{ hgfOPsf] % .

of] Joa:yf g]kfn n]vfdfg 16 (NAS– 16 Property Plant & Equipment) cg'?k /x]sf] %}g .

-v_ ;+:yfn] s'g} cfly{s jif{df ?=2,000=00 eGbf sd d"Nodf vl/b ul/Psf s'g} klg l:y/ ;DklQsf]

k"FhLs[t gu/L ;DalGwt lzif{sdf l;w}} vr{ n]Vg] gLlt lnPsf]% . o;/L vl/b ul/Psf

;fdfgx?sf] %'§} vftf tof/ kf/L ;f]sf] clen]v ;fdfGo k|zf;g ljefun] /fVg] ub{% .

-u_ a}+sn] v/Lb u/]sf sDKo"̂ / ;km^j]o/ / lnhxf]N* ;DktLx?sf] bfdf;fxLn] 5 aif{df ckn]vg ug]{

ul/Psf]% .

15=u}/ j}lsé;DklQsf] n]vf°g gLlt

o; a}sn]] u}+/ j}lsé;DklQ ;DaGwdf g]kfn /fi^ « a}+ssf] lgb]{zg cg';f/ b]xfP adf]lhd lglt lnPsf]

% M

55


a}+ssf]] s'g} shf{ c;"nL gePdf ;'/If)fdf /x]sf] lwtf] a]rljvg u/L af+sL ;f+jf / Aofh

p&fpg ;Sg]%. a}+sn] shf{ c;'n ug]{ l;nl;nfdf lwtf] lnnfd ubf{ lnnfd ljqmL gePdf cfkm}n]

;sf/ ug{ ;lsg] % .

u}/ j}lsé ;DklQ;sf/ ubf{ lwtf]sf] k|rlnt jhf/ d"No sfod u/fO{ ahf/ d"No / lwtf] ;sf/

ug]{ cl#Nnf] lbg ;Ddsf] ;f+jf dWo] h'g sd x'G% ;f]xL d"Nodf d"Nof°g ul/g] % . olb lwtf]sf]

ahf/ d"No shf{sf] ;f+jf eGbf sd ePdf sd ePhlt /sd ;f]xL cfly{s jif{df gfkmf÷gf]S;fg

lx;fadf vr{ n]vf°g ul/g] % .

;sf/ ;DklQsf] Jofh jSof}tf jfktsf] /sdnfO{ Jofh d'NtjL lx;fjdf /x]sf] /sd;+u ldnfg

ul/g] % .

xfn o; a}+ss]f s'g} u}+/ a}+lsé ;DklQ /x]sf] %}g .

16= sd{rf/L af]g; Aoa:yf M

shf{ gf]S;fgL Aoa:yf kl%sf] / cfos/ Aoa:yf cl#sf / tt\ sd{rf/L af]g; kZrftsf] gfkmfaf^

10 k|ltzt /sd sd{rf/L af]g; jfkt %'^\ofOPsf] % .

17= sd{rf/L ljbf Joj:yf

sd{rf/L ljlgojfnLdf cg';f/ x'g cfp+g] ;+lrt labfsf] /sdnfO{ vr{ n]vf°g u/L sd{rf/L ljbf

Joj:yfdf b]vfO{Psf] % .

18= d;nGb df}Hbft M

sfof{no k|of]hgsf] nflu v/Lb ul/Psf d;nGb ;fdfgx?nfO{ :^]zg/L df}Hbftsf] ?kdf b]vfO{

vktsf] cfwf/df vr{ n]Vg] ul/Psf] % .

19= cfos/ Joj:yf

cfos/ P]g, 2058 -;+zf]wg ;lxt_ adf]lhd cfos/ Joj:yf ul/Psf] % .

20= :yug s/ M g]kfn n]vfdfg 9 cg';f/ ;DklQ tyf bfloTjsf] cfwf/df :yug ul/Psf] s/sf] n]vf+sg ul/Psf]

% . ljQLo ljj/)f cg';f/ ;DklQ tyf bfloTjsf] /sd tyf s/sf cfwf/ aLr km/s eO{ ;[hgf

x'g] c:yfO{ cGt/ (Temporary Difference)sf] sf/)fn] eljZodf ;[hgf x'g] s/ bfloTj tyf ;DklQsf]

nfut /fVg] p@]Zon] :yugs/sf] n]vf+sg ul/Psf] % . g]kfn n]vfdfgn] lglb{i^ u/] adf]lhd ljQLo

ljj/)fdf :yug s/ ;DklQ tyf bfloTjnfO{ ;dfof]hg (Netted off)ul/ ;f]xL cg';f/ jf;nftdf :yug

cfos/ ;DklQ tyf bfloTj cGtu{t n]vf+sg ug]{ gLlt lnPsf] % .

21= k|:tfljt gub nfef+z tyf af]gz z]o/ jfktsf] /sd k|:tfljt gub nfef+z tyf af]gz z]o/ jfktsf] /sd g]kfn /fi^ « a}+ssf] lgb]{zg adf]lhd n]vf+sg

ug]{ gLlt /x]sf] % .

56


cg';"rL 4=33

s`rg *]enkd]G^ a}+s lnld ]̂*

n]vf ;DaGwL l^Kk)fLx?

1= z]o/ k+"hL

1=1 ut jif{sf] z]o/ k"+hLdf ;DalGwt lgsfo af^ :jLs[tL kZrft ?= 4,95,00,000.00 -rf/ s/f]*

kGrfFgAo nfv_ /sd af]g; z]o/ / ?= 9,90,00,000.00 -gf}+ s/f]* gAo nfv_ /sd xsk|b

z]o/ af^ yk ubf{ a}+ssf] r'Qmf k"+hL ?=34,65,00,000.00 - rf}lt; s/f]* k};·L nfv _ ePsf]

% . ;fy} o; a}+sn] ldlt M @)&$÷)#÷#) ut] b]lv @)&$÷)%÷)! ut];Dd ;do l;df /flv

s'n sfod z]o/sf] #)Ü n] x'g] ;+:yfks z]o/ lsQf %#),!$% / ;j{;fwf/)f z]o/ lsQf

%)(,#%% ul/ hDdf lsQf !,)#(,%)) xsk|b z]o/ lg:sf;g u/]sf]df ;+:yfkstkm{ ;Dk")f{ z]o/

lsQfsf nflu / ;j{;fwf/)f tkm{ $($,&() z]o/ lsQfsf nflu cfa]bg kq k/]sf]n] o;/L

k|fKt x'g cfPsf] b/vf:tx?nfO{ k|zf]wg u/L z]o/ afF*kmf* ul/;lsPsf] h;af^ cfPsf] /sd

?= 10,24,93,500 / cfly{s jif{ 073÷74 sf] gfkmfaf^ k|:tflat 16=03 k|ltzt af]g; z]o/

?=5,55,50,000.00 -kfrF s/f]* krkGg nfv krf; xhf/_ lat/)f ug]{ k|:tfa ;fwf/)f ;ef

af^ cg'df]bg ePdf z]o/ k"+hL ?=50,45,43,500.00 -krfF; s/f]* k}rfln; nfv lt/rfln;

xhf/ kfFr ;o dfq _ k'Ug]%.

1=2 nfef+z tyf af]g; z]o/

o; jif{ a}+sn] cfkmgf] z]o/wgLx?nfO{ r'Qmf z]o/ k"+lhsf] v'b 16=03 k|ltzt ?=

5,55,50,000.00 -kfrF s/f]* krkGg nfv krf; xhf/_ af]g; z]o/ / r'Qmf z]o/ k"+hLdf

0=8438 k|ltzt ?=29,23,684=21 -pgglt; nfv ltlx; xhf/ % ;o rf}/f;L k};f PsfOP;

dfq_ gub nfef+z s/ k|of]hgsf] nflu lat/)f ug{ jflif{s ;fwf/)f ;ef af^ cg'df]bg ug]{ u/L

k|:tfa ul/Psf] % .

2= ;fwf/)f hu]*f sf]if

a}s tyf ljlQo ;+:yf ;DjlGw P]g 2073 jdf]lhd ;fwf/)f hu]*f sf]ifdf sDkgLsf] r'Qmf k"hLsf]

bf]Jj/ /sd geP;Dd v'b gfkmfsf] sDtLdf 20% /sd pQm sf]ifdf /sdfGt/ ug'{ kb{% . a}+sn]

o; jif{sf] gfkmf jf^ ? 14,254,166.64 ;fwf/)f hu]*f sf]ifdf /sdfGt/ ul/Psf] % .

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

sd{rf/L ;+rosf]if l;$fy{ cjsfz sf]ifdf /fVg] ul/Psf] % . cfos/ P]g, 2058 n] Joj:yf u/]

cg'?k pkbfg Aoj:yf l:js[t cjsfz sf]ifdf ;fl/Psf] % .

4=cfos/ Joj:yf

cfos/ P]g 2058 tyf cfos/ lgodfjnL adf]lhd cfos/ u)fgf u/L cfos/ Joa:yf ul/Psf]

% . Joj:yf ul/Psf] /sd jl( jf sd x'g uPdf s/ lgwf{/)f ubf{sf] ;fndf gfkmf gf]S;fg

lx;fjdf ;dfof]hg ul/g] % .

57


5= ckn]vg x'g afFls vr{sf] laa/)f

a}+sn] nLhxf]N* vr{ tyf sDKo"^/ ;km^\j]o/ nufotsf vr{x?nfO{ 5 aif{ leqdf ckn]vg x'g] u/L

lgDgfg';f/ ckn]vg ul/Psf] % .

laa/)f ut jif{sf] o; jif{sf] yk ckn]vg ?= af+ls ?=

k"j{ ;+rfng vr{ 19,12,112=88

:yug vr{ 524,301.46 58,499.73 465,801.73

nLhxf]N* vr{ 18,97,859=93 11,117,986.77 1,669,196.53 11,346,650.17

sDKo'^/ ;km\^j]o/ vr{ 26,97,012=33 1,018,130.00 976,759.48 2,738,382.85

hDdf 65,06,985=14 12,660,418.23 2,704,455.74 14,550,834.75

6= x|f; s§L gLlt

l:y/ ;DklQx?nfO{ cfos/ P]g, 2058 n] Joj:yf u/] cg';f/ jlu{s/)f u/L tf]lsPsf] b/n]

# \̂bf] k|)ffnLsf cfwf/df vr{ hgfOPsf] % .

of] Joa:yf g]kfn n]vfdfg 6 (NAS 6 Property Plant & Equipment) cg'?k /x]sf] %}g .

7= Jofh cfo

shf{ tyf ;fk^df c;'nL ePsf] JofhnfO{ g]kfn /fi^< j}+ssf] lgb]{zfg';f/ gub k|fKtLsf] cfwf/

(Cash Basis) df cfDbfgL hgfO{Psf]] % .

8=:yug s/ ;DklQ tyf bfloTj ljj/)f

qm=; ljj/)f s/ cfwf/ -?_ ljQLo ljj/)f

cg';f/ -?_

cGt/ -?_ S'mn cGt/ -?_

;DkQL bfloTj /sd

1= :yL/ ;DkQL 82,897,828.45 71,341,370.92 11,556,457.53 11,556,457.53

2= Smd{rf/L pkbfg Joj:yf 1,630,788.00 1,630,788.00 1,630,788.00

3= Smd{rf/L ;{lrt labf

Joj:yf

3,894,702.03 3,894,702.03

3,894,702.03

4= Z+fsf:kb a}Fs

Aofn]G;sf] Joj:yf

372,373.50 372,373.50

372,373.50 5= Z+fsf:kb cf;fdLsf]

Joj:yf

12,22,410=00 12,22,410=00 12,22,410=00

6= Z]fo/ nufgLsf] Joj:yf 3,241,853.06 3,241,853.06

3,241,853.06

7= shf{ gf]S;fgsf] Joj:yf 39,786,080.77 39,786,080.77 0=00

8= ckn]vg ul/Psf] vr{ 14,550,834.75 14,550,834.75 (14,550,834.75

s'n c:yfoL cGt/ 122,683,909.22 136,040,413.03 21,918,584.12 14,550,834.75 7,367,749.37

30 k|=z=n] s/ 2,210,324.81

Uft aif{ ;Ddsf] :yug

s/ sf]if

1,212,513.20

o; aif{sf] :yug vr{ 997,811.61

58


o;jif{ sfod ul/Psf] :yug s/ ;DklQ ?= 2,210,324.81df ut jif{sf] ?=

1,212,513.20;dfof]hg u/L v"b /sd ?= 997,811.61 o; aif{sf] gfkmf gf]S;fg lx;fadf :yug

s/ vr{ cGt/ut b]vfO{Psf] % . ;fy} pQm /sd :yug s/ hu]*faf^ gfkmf gf]S;fg af+*kmf+*

lx;fadf ;dfof]hg ul/Psf] % .

9= k|jfx ePsf], c;"nL ePsf] / ldgfxf ul/Psf] shf{ ;fk^sf] laj/)f

ljj/)f /sd ?=

ut jif{sf] af+sL shf{ 1,644,383,535.38

o; jif{ k|jfx ePsf] shf{ 1,219,579,040=00

o; jif{ c;"n ePsf] shf{ 555,349,685=96

ckn]vg ul/Psf] ;f+jf

ckn]vg ul/Psf] Jofh

o; jif{sf] jf+sL 2,308,612,889.42

10= lgIf]k bfloTjdf kl/jt{g

ljj/)f af+sL ut jif{ af+sL o; jif{ o; jif{sf] j [l$

rNtL lgIf]k 25,999,546.32 113985285.8 87,985,739.52

jrt lgIf]k 1,267,123,509.23 1595889652 328,766,142.63

d'$lt lgIf]k 359,717,770.97 634117770 274,399,999.03

sn lgIf]k 261,399,941.37 479389775.2 217,989,833.83

hDdf 1,914,240,767.89 2,823,382,482.90 909,141,715.01

11= lgIf]k / shf{sf] efl/t cf};t Jofh b/ cGt/ -Weighted Average Interest Rate)

ljj/)f k|ltzt

shf{ ;fk^sf] cf};t Jofh b/ 14=35

lgIf]ksf] cf};t Jofh b/ 7=31

cf};t Jofh b/ cGt/ 7=04

12= t/ntf ;DalGw hf]lvd Go'lgs/)f ug{ sDkgLsf] ;DklQ / bfloTjnfO{ e'QmfgL calwsf] cfwf/df

jlu{s/)f u/]sf] ljj/)f lgDgfg';f/ % . -/sd ?=xhf/df_

;Dklt 1-90 91-180 181 -270 271-365 1 jif{ eGbf

a(L s'n /sd

gub df}Hbft 61,760.75 61,760.75

g]kfn /fi «̂ a}+sdf

/x]sf] df}Hbft 68,023.62 68,023.62

a}+s tyf ljQLo

;+:yf df}Hbft 120,000.00 120,000.00

ljb]zL a}+sx?df

ul/Psf] nufgL 0.00

sn dgL 643,267.63 643,267.63

;/sf/L ;"/Iff kq 0.00

g]kfn /fi «̂ a}+s

C)f kq 0.00

59


cGt/ a}+s tyf

ljQLo ;+:yf shf{ 0.00

shf{ tyf ;fk^ 308,513.22 359,929.54 313,121.27 334,780.08 992,298.89 2,308,643.00

s"n ;DktL 1,201,565.22 359,929.54 313,121.27 334,780.08 992,298.89 3,201,695.00

bfloTj 0.00

;fk^L 0.00

rNtL lgIf]k 113,985.29 113,985.29

art lgIf]k 159,588.97 159,588.97 159,588.97 159,588.97 957,533.79 1,595,889.65

d"ålt 91,555.10 45,810.50 216,822.41 279,929.76 634,117.77

C)f kqx? 0.00

cGo bfloTj tyf

Aoa:yfxx? 0.00

;)*«L s|]l*^;{ 10,850.75 10,850.75

e"QmfgL lbg" kg]{

lan 0.00

e"QmfgL lbg" kg]{]{

Aofh 64.24 66,823.18 18.49 66,905.91

Aoa:yfx? 0.00

cGo 0.00

s"n bfloTj 376,044.34 205,399.47 226,412.15 376,411.38 1,237,482.04 2,421,749.37

Vf"b ljQLo ;DktL 825,520.87 154,530.07 86,709.12 -41,631.30 -245,183.15 779,945.63

;+lrt v"b ljQLo

;Dklt 825,520.87 980,050.95 1,066,760.07 1,025,128.78 779,945.63

13= lx;fj ldnfg geO{ jSof}tf /x]sf lx;fjx? -zfvf lx;fj, j}s df}Hbft lx;fj_ %}g\ .

14= o; a}+sn] s'g} Ps JolQm,kmd{, sDkgL jf ;+u&Lt ;+:yfdf tf]lsPsf] ;Ldf eGbf a(L x'g] u/L shf{

s]lGb|t u/]sf] %}g .

t/ a}+sn]] If]qut shf{df k|fyldsk'+hLsf] zt k|ltzt eGbf a(L k|jflxt shf{ ;fk^sf] ;DjGwdf

o:tf] shf{x?sf] ;Ldf a}{ssf]] ;~rfns ;ldltaf^ k|fylds k' FhLsf] zt k|ltzt eGbf a(L sfod /fVg]

eGg] ;DaGwdf jflif{s ?kdf lg)f{o u/L ;f] lg)f{osf] hfgsf/L g]kfn /fi^ « a}+s, a}s tyf ljQLo

;+:yf lgodg ljefu / ;DjlGwt ;"k/Lj]If)f ljefudf k&fPsf] kfOof] .

15= z+sf:kb a}+s ÷ laQLo ;+:yf df}Hbft tyf ;+)*«L *]A^;{sf] Aoa:yf

d:ofu|:t laQLo ;+:yfx? jN*{dr]{G^ a}+lsª P)* kmfOgfG; lnld^]*df xfn ;Dd afls df}Hbft

?=356,904=97, hg/n kmfOgfG; lnld^]*df afls+ df}Hbft ?=6,786=98 tyf c?)f kmfOgfG;df afls+

df}hbft ?8,681=55 / dgsfdgf /]ld^ ;+u lng afls /sd ?=12,22,410=00 sf] nflu zt

k|ltzt Aoa:yf ul/Psf]% .

16= u}+/ a}+lsé ;DklQ gePsf] .

17= a}+sn] ;'/If)fsf] ?kdf cfkmgf] ;DklQ lwtf] /fvL shf{ lnO{Psf] %}g .

18= clu|d e'QmfgL k|fKt, e'QmfgL x'g jf+sL / hkmt ul/Psf z]o/x? %}gg\ .

19= o; k|ltj]bgdf pNn]v ul/Psf cfly{s ljj/)fx? lgstd ?k}of+df b]vfOPsf] % .

60


cg';"rL $=#$

s~rg 8]rnkd]G6 a}+s lnld6]8

;+:yfks ÷;+:yfks ;d"xsf z]o/ wgLn] cfk\mgf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf

lwtf] /fvL shf{ lnPsf] ljj/0f

qm=;=

;+:yfks÷;+:yfks

;d"x cGt{ut kg]{

z]o/ wgLsf] gfd

;+:yfkssf] :jfldTjdf

sfod /x]sf] z]o/ shf{ ljj/0f

s}lkmot s"n

lsQf

;+Vof

s"n r'Qf

k"FhLsf] k|ltzt

shf{ lnPsf]

cGo a}+s ÷

ljQLo

;+:yfsf] gfd

shf{ /sd

lwtf]df

/x]sf] z]o/

lsQf

;+Vof

!=

@=

cg';"rL $=#%

Kanchan Development Bank Limited Comparion of Unaudited and Audited Financial Statement as of F/Y 2073/74

S.No. Particulars

As per Unaudited Financial Statement

As per Audited

Financial Statement

Variance

Resons for Variance In Amouts In %

1 Total Capital and Liabilities ( 1.1 to 1.7) 3,365,772 3,310,520 55,253 1.67

1.1 Paid up Capital

346,500 402,050 (55,550) (16.03)

Changedue to bonus

Share

1.2 Reserve & Surplus 109,446 53,263 56,183 51.33

Changedue to bonus and

cash dividend

1.3 Debenture & Bond

- - -

1.4 Borrowings

- - -

1.5 Depsoits ( a +b) 2,823,372 2,823,382 - -

a. Domestic Currency 2,823,372 2,823,382 (10) (0.00)

b. Foreign Currency

- - -

1.6 Income Tax Liability - - - -

1.7 Other Liabilities

86,454 31,824 54,630 171.66

Additional provision has

been provided in the

Audited financial

statement.

2 Toatal Assets ( 2.1 to 2.7) 3,365,772 5,668,816 (2,303,044) (40.63)

2.1 Cash & Bank Balance 248,653 249,784 (1,131) (0.45) Change due to BRS

2.2 Money at Call and Short notice 643,790 643,268 523 0.08 Change due to BRS

2.3 Investments 17,195 13,953 3,242 23.23

Change due to Provision

of Chilime Hydro

2.4 Loans and Advances 2,308,643 2,308,643 - -

a. Real Estate Loan 9,838 9,838 - -

1. Residential Real Estate Loan

(Except Personal Home Loan upto Rs. 80 Lacs)

-

2. Business Complex &

Residential Apartment Construction Loan

-

3. Income generating Commercial Complex Loan

-

4. Other Real Estate Loan

(Including Land purchase & Plotting) 9,838 9,838 -

b. Personal Home Loan of Rs. 80 Lacs or Less 164,640 164,640 -

c. Margin Type Loan 7,998 7,998 -

61


d. Term Loan 142,442 142,442 -

e. Overdraft Loan/TR Loan/WC Loan 794,640 794,640 -

f. Others 1,189,085 1,189,085 -

2.5 Fixed Assets

84,162 71,341 12,820 17.97

Due to S/W & Lease

hoald assets

2.6 Non Banking Assets - - - -

2.7 Other Assets 63,329 63,346 (17) (0.03) advance tax adjusted

3 Profit & Loss Account

-

3.1 Interest Income

302,344 302,552 (207) (0.07)

Change due to Int.

Income from BRS

3.2 Interest Expenses 137,403 137,405 (2) (0.00)

A. Net Interest Income (3.1 - 3.2) 164,941 165,146 (206) (0.12)

3.3 Fees, Commission & Discounts

9,529 9,224 305 3.31

Due to add in

Remmitance Income of

the amount of TDS

Receivable

3.4 Other Operating Income

9,689 10,063 (374) (3.71)

Change due to

adjustment entry of

F/Y2073/74

3.5 Foreign Exchange Gain / Loss (Net)

- - -

B. Total Operating Income ( A+3.3+3.4+3.5) 184,159 184,433 (274) (0.15)

3.6 Staff Expenses

36,149 36,165 (16) (0.04)

Change due to

Retirement expenses i.e.

gratuty.

3.7 Other Operating Expenses 38,472 38,958 (486) (1.25)

Change due to

rectification adjustment

C. Operating Profit before provision ( B-3.6-3.7) 109,538 109,310 227 0.21

3.8 Provision for Possible Losses

15,616 18,761 (3,146) (16.77)

Change due to provision

on chilime hydropower.

D. Operating Profit ( C-3.8) 93,922 90,549 3,373 3.72

3.9

Non Operating Income / Expenses ( Net) 9,003 9,106 (103) (1.13)

3.1

Write back of Provision of Possible Loss 12,545 12,545 - -

E. Profit from Regular Activities ( D+3.9+3.10) 115,470 112,200 3,270 2.91

3.11

Extraordinary Income /Expenses ( Net)

- - -

F.Profit before Bonus and Taxes ( E +3.11) 115,470 112,200 3,270 2.91

3.12 Provision for Staff Bonus

10,497 10,200 297 2.91

Chnges due to change in

profit

3.13 Provision for Tax 31,492 30,729 763 2.48

Chnges due to change in

profit

G. Net Profit / Loss ( F-3.12-3.13) 73,481 71,271 2,210 3.10

62


cg';"rL $=c

Kanchan Development Bank Ltd.

Unaudited Financial Results (Quarterly)

As at the end of 4th Quarter (2074/03/31) of the Fiscal Year 2073/74 Rs. In '000

S.No. Particulars This Quarter

Ending

Previous

Quarter

Ending

Coresponding

Previous Year

Quarter

Ending

1 Total Capital and Liabilities ( 1.1 to 1.7) 3,365,772 2,861,153 2,264,623

1.1 Paid up Capital 346,500 346,500 198,000

1.2 Reserve & Surplus 109,446 81,889 85,262

1.3 Debenture & Bond

1.4 Borrowings

1.5 Depsoits ( a +b) 2,823,372 2,343,540 1,914,241

a. Domestic Currency 2,823,372 2,343,540 1,914,241

b. Foreign Currency

1.6 Income Tax Liability 0 0 3,334

1.7 Other Liabilities 86,454 89,224 63,786

2 Toatal Assets ( 2.1 to 2.7) 3,365,772 2,861,153 2,264,623

2.1 Cash & Bank Balance 248,653 166,896 136,783

2.2 Money at Call and Short notice 643,790 374,558 362,914

2.3 Investments 17,195 19,909 20,231

2.4 Loans and Advances 2,308,643 2,157,654 1,644,384

a. Real Estate Loan 9,838 10,224 15,085

1. Residential Real Estate Loan

(Except Personal Home Loan upto Rs. 80

Lacs)

2. Business Complex & Residential Apartment

Construction Loan

3. Income generating Commercial Complex

Loan

4. Other Real Estate Loan (Including Land

purchase & Plotting) 9,838 10,224 15,085

b. Personal Home Loan of Rs. 80 Lacs or

Less 164,640 153,580 144,823

c. Margin Type Loan 7,998 7,998 7,163

d. Term Loan 142,442 137,975 106,684

e. Overdraft Loan/TR Loan/WC Loan 794,640 768,571 595,277

f. Others 1,189,085 1,079,305 775,352

2.5 Fixed Assets 84,162 69,735 58,302

2.6 Non Banking Assets

2.7 Other Assets 63,329 72,400 42,009

3 Profit & Loss A/c Up to This

Quarter

Up to

Previous

Quarter

Up to This

Quarter

3.1 Interest Income 302,344 208,822 200,195

3.2 Interest Expenses 137,403 91,529 91,531

A. Net Interest Income (3.1 - 3.2) 164,941 117,292 108,665

3.3 Fees, Commission & Discounts 9,529 5,671 3,659

3.4 Other Operating Income 9,689 6,410 12,563

63


3.5 Foreign Exchange Gain / Loss (Net)

B. Total Operating Income ( A+3.3+3.4+3.5) 184,159 129,374 124,887

3.6 Staff Expenses 36,149 23,647 24,687

3.7 Other Operating Expenses 38,472 25,530 21,712

C. Operating Profit before provision ( B-3.6-3.7) 109,538 80,197 78,487

3.8 Provision for Possible Losses 15,616 13,760 8,725

D. Operating Profit ( C-3.8) 93,922 66,437 69,762

3.9 Non Operating Income / Expenses ( Net) 9,003 4,088 22,685

3.1 Write back of Provision of Possible Loss 12,545 1,641 5,000

E. Profit from Regular Activities ( D+3.9+3.10) 115,470 72,166 97,447

3.11 Extraordinary Income /Expenses ( Net)

F.Profit before Bonus and Taxes ( E +3.11) 115,470 72,166 97,447

3.12 Provision for Staff Bonus 10,497 6,561 8,859

3.13 Provision for Tax 31,492 19,682 26,576

G. Net Profit / Loss ( F-3.12-3.13) 73,481 45,924 62,011

4 Ratios At the end of

this Quarter

At the end of

Previous

Quarter

At the end of

this Quarter

4.1 Capital Fund to RWA 16.86% 17.34% 15.81%

4.2 Non Performing Loan ( NPL) to Total Loan 0.99% 2.17% 1.75%

4.3 Total Loan Loss Provision to Total NPL 173.45% 104.54% 122.18%

4.4 Cost of Funds 7.31% 6.58% 5.28%

4.5 Credit to Deposit Ratio (Calculated as per

NRB Directives) 70.44% 77.89% 75.00%

64


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Documents

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