cf=j= @)^(÷)&) thAnnual Report...P.O.Box: 71, URL: , Email: [email protected] Partner for Advancement zfvf sfof{nox¿ PS;6]G;g sfp06/ M k'sf]{6–#, afO{; hf“u/, tgx

$Page 1: cf=j= @)^(÷)&) thAnnual Report...P.O.Box: 71, URL: , Email: info@kamanabank.com.np Partner for Advancement zfvf sfof{nox¿ PS;6]G;g sfp06/ M k'sf]{6–#, afO{; hf“u/, tgx$
Partner for AdvancementP.O.Box: 71, URL: www.kamanabank.com.np, Email: [email protected]

zfvf sfof{nox¿

PS;6]G;g sfp06/ M k'sf]{6–#, afO{; hf“u/, tgx'“, kmf]g M ((#^%!)$)

d'Vo zfvf sfof{no M 8f“8fsf]gfs, n]vgfy, sf:sLkmf]g M )^!–%^)#)), %^)&))

ÇofS; M )^!–%^)$((

8'd|] ahf/, tgx'Fkmf]g M )^%–%*)!*%ÇofS; M )^%–%*)!#!

lrKn]9'·f, kf]v/fkmf]g M )^!–%@*@)@, %@*@)#

ÇofS; M )^!–%@*$((

gf/fo0fu9, lrtjgkmf]g M )%^–%&)@)^, %&)@)&

ÇofS; M )%^–%&)@)*

;[hgfrf]s, kf]v/fkmf]g M )^!–%#@*!%ÇofS; M )^!–%@%#!$

9'·]kf6g, sf:sLkmf]g M )^!–%^!&#*

ÇofS; M )^!–%^!&$(

v'/v'/], lrtjgkmf]g M )%^–%*#&%!

ÇofS; M )%^–%*#&%@

zf/bfgu/, lrtjgkmf]g M )%^–%(@@)*

ÇofS; M )%^–%(@$)(

bnbn], k|ultgu/, gjnk/f;Lkmf]g M )&*–%&%%^%ÇofS; M )&*–%&%%^^

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

cf=j= @)^(÷)&)

7 th

Annual Report

s]Gb|Lo sfof{no M ;[hgfrf]s, kf]v/f–*, sf:sLkmf]g M )^!–%#(^&@, %#(^&#, km\ofS; M %#&$((

s]Gb|Lo sfof{no M ;[hgfrf]s, kf]v/f–*, sf:sL

kmf]g M )^!–%#(^&@, %#(^&#, km\ofS; M %#&$((


;~rfns ;ldlt Joj:yfkg ;d"x

/fh]Gb|lglw sf]O/fnfcWoIf

pd]z s'df/ cfrfo{k|d'v sfo{sf/L clws[t

Ps/fh hd/s§]n;~rfns

v]dgfy e§/fO{;~rfns

l/a axfb'/ yfkf;~rfns

b]js[i0f sfŠn];~rfns

/fdsfhL >]i7;~rfns–;j{;fwf/0f

b]jfg u'?ª;~rfns–;j{;fwf/0f

/fds'df/ lkof;~rfns–;j{;fwf/0f

6'j/fh af:tf]nf;xfos dxf–k|aGws

xl/axfb'/ a'9fyf]sLzfvf k|aGws-d'Vo zfvf_

;~ho e08f/Lzfvf k|d'v

-9'·]kf6g zfvf_

ljZj /fh clwsf/Lgfoj k|aGws÷zfvf k|aGws

-kf]v/f zfvf_

zflns/fd clwsf/Lzfvf k|aGws

-;[hgfrf]s zfvf_

ljqmd k/fh'nLzfvf k|d'v

-zf/bfgu/ zfvf_

lji0f' k|;fb uf}tdjl/i7 clws[t

k|d'v – ;~rfng ljefu

;~ho /]UdLzfvf k|aGws

-gf/fo0fu9 zfvf_

;'lgn Gof}kfg]zfvf k|d'v

-bnbn] zfvf_

ljsf; 9'+ufgfjl/i7 clws[t

k|d'v – cfGtl/s n]vf k/LIf0f ljefu

dx]z clwsf/Lzfvf k|aGws-8'd|] zfvf_

nfnaxfb'/ If]qLk|d'v ;"rgf k|ljlw

ljgf]b e§/fO{zfvf k|aGws-v'/v'/] zfvf_

dgf]h vgfnk|d'v

-afO;hfFu/ sfp06/_

;ftf} + jflif{ s k|ltj] bg@)^(÷)&)

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


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

sfdgf ljsf; a} +s lnld6] 8,

kf] v/ f–*, ;[ hgfrf] s .

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

dxfzo,

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

k|f] S;L lng] sf] ;xL M …………………………

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

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

k|j] z kqz] o/ wgLsf] gfd M »»»»»»»»»»»»»»»»»»»»»»»»»»»»»

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

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

;ftf} + jflif{ s ;fwf/ 0f;efdf pkl: yt x'g hf/ L ul/ Psf] k|j] z–kq

b|i6Jo M

!_ z] o/ wgL cfkm} n] dflysf vfnL 7fp“x¿ eg'{ xf] nf .

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



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

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

;ef a: g] ldlt, ;do / : yfgMldlt M @)&).)(.)# ut] , a'waf/ -tbg';f/ !* l8;] Dj/ , @)!#_;do M laxfg (M)) ah] : yfg M xf] 6n kf] v/ f u|f08, kfbL{ , lj/ f} 6f, kf] v/ f

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

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

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

;d] t_ gub nfef+z ljt/ 0f ug] { k|: tfj kfl/ t ug] { .

-v_ ljz] if k|: tfj!_ ;~rfns ;ldltn] k|: tfj u/ ] adf] lhd r'Qmf k"FhLsf] !% k|ltztn] x'g cfpg] ?= #, )), )), ))).– af] g; z] o/

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

@_ ;~rfnsx¿sf] eQf Pjd\ ;'ljwf kl/ dfh{ g ;DaGwdf 5nkmn u/ L lg0f{ o ug] { / ;f] xL adf] lhd a} +ssf] lgodfjnLdf cfjZos ;+zf] wg ug] { .

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

-u_ ljljw. ;~rfns ;ldltsf] cf1fn] sDkgL ;lrj

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

-!_ o; ljsf; a} +ssf] ;fwf/ 0f;ef k|of] hgsf] nflu z] o/ bflvnf vf/ ] hsf] sfd ldlt @)&).)*.!( b] lv @)&).)(.)# ;Dd aGb / xg] 5 .

-@_ jflif{ s ;fwf/ 0f;efdf 5nkmn x'g] ljifox¿ ;lxtsf] ;"rgf z] o/ wgL dxfg'efjx¿sf] 7] ufgfdf k7fO{ g] 5 . s'g} z] o/ wgL dxfg'efjx¿n] pQm ;"rgf gkfpg' ePdf o;} ;"rgfsf] cfwf/ df ;fwf/ 0f;efdf pkl: ylt x'g cg'/ f] w 5 . ;ftf} + jflif{ s k|ltj] bgsf] nflu a} +ssf] j] j;fO{ 6 www.kamanabank.com.np x] g'{ x'g jf a} +ssf] s] Gb|Lo sfof{ no kf] v/ f–*, sf: sL jf u|f] df] / dr] { G6 a} +s/ ln= b/ jf/ dfu{ sf7df08f} df ;Dks{ / fVg'x'g cg'/ f] w ul/ G5 .

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

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

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

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


1;ftf} + jflif{ s k|ltj] bg

;ftf} + jflif{ s ;fwf/ 0f ;efdf ;~rfns ;ldtsf] tkm{ af6 cWoIfåf/ f k|: t't jflif{ s k|ltj] bg

cfb/ 0fLo z] o/ wgL dxfgefjx¿,

o; sfdgf ljsf; a} +s ln=sf] ;ftf} + jflif{ s ;fwf/ 0f ;efdf ;xefuL x'g kfNg' ePsf ;Dk"0f{ z] o/ wgL dxfg'efjx¿df ;~rfns ;ldlt tyf d] / f] JolQmut tkm{ af6 xflb{ s : jfut clejfbg JoQm ub{ 5' . o; ljsf; a} +ssf] : jfldTjstf{ Pj+ d'n cfwf/ sf] ¿kdf / xg' ePsf z] o/ wgLx¿sf] of] ljlzi6 Pj+ dxTjk"0f{ ;efsf] cj;/ df d oxfFx¿ ;dIf ;~rfns ;ldltsf] tkm{ af6 jflif{ s k|ltj] bg, n] vf k/ LIfssf] k|ltj] bgsf] ;fy} cf=j= @)^(÷&) sf] cfly{ s ultljlw, jf;nft, gfkmf gf] S;fg lx;fj, gub k|jfx ;DaGwL ljj/ 0f tyf cg';"rLx¿ cg'df] bgsf] nflu k|: t't ub{ 5' . cfly{ s jif{ @)^(÷&) sf] ;du| a} lsª sfo{ tyf k|ult ljj/ 0f ;dLIff, efjL sfo{ qmd Pj+ / 0fgLlt ;DaGwdf oxfFx¿sf] cd"No / fo, ;Nnfx tyf ;'emfj;lxt cfhsf] o; ;fwf/ 0f;efdf ;lqmo ;xeflutf hgfO{ ;bfem} + ;f/ e"t ¿kdf dfu{ bz{ g k|fKt x'g] g} 5 eGg] ck] Iff ub} { , ca d a} +ssf] ;+lIfKt cfly{ s ultljlw Pj+ ljQLo emnstkm{ oxfFx¿sf] Wofgfsif{ 0f u/ fpg rfxG5' .

!= cf=j= @)^(÷&) sf] sfo{ ;Dkfbg ;dLIff tyf ljQLo emns M: yfkgfsfnb] lv g} d'gfkmfdf ;~rfng x'Fb} cfPsf] o; a} +s cfkm\gf] ;kmntfsf] 5} 6f} + jif{ kf/ u/ L ;ftf} F jif{ df k|j] z u/ ] sf] 5 . o; bf} / fgdf ljleGg cf/ f] x cj/ f] x kf/ ub} { a} +sn] kfl/ jfl/ s jftfj/ 0fdf u|fxs d} qL eO{ cfkm\gf dxTjk"0f{ ;] jfu|fxLx¿nfO{ cTofw'lgs a} +lsª ;] jf k|bfg ub} { cfO/ x] sf] 5 .

g] kfnsf] a} +lsª If] qsf] nflu cf=j= @)^(÷&) ;fdfGo / x] tf klg Tolt ;xh eg] / x] g . ;dLIff jif{ sf] z'?jftdf b] lvPsf] clws t/ ntf jif{ sf] cGt;Dd klg sfod} / xg uof] . clws t/ ntfsf] sf/ 0f lgIf] k tyf shf{ sf] Jofhb/ df lu/ fj6 cfpg'sf ;fy} 6«] h/ L lan Pj+ cGt/ a} +s Jofhb/ ;d] t Hofb} Go"g / Xof] . ljQLo If] qdf b] lvPsf] a9\bf] k|lt: kwf{ , b] zsf] w'ldn / fhgLlts jftfj/ 0f, pTkfbgzLn If] qx¿df nufgLsf] ;+s'rg cflb sf/ 0fx¿n] ubf{ sf/ f] jf/ a9fpg c;lhnf] kl/ l: yltsf] l;h{ gf ePsf] 5 . ;fgf] k"FhLdf sfd ubf{ 7"nf kl/ of] hgfx¿df nufgL ug{ af6 a} +s jl~rt x'g'kg] { cj: yf / x] sf] 5 . o;/ L a} +lsª Joj;fodf cfPsf] ;': ttfsf] jfjh'b klg ut cf=j=df o; a} +sn] pNn] ] Vo k|ult / pknJwLx¿ xfl;n ug{ ;s] sf] s'/ f oxfFx¿ ;dIf JoQm ug{ kfpFbf dnfO{ cToGt} v';L nfu] sf] 5 .

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

-?= xhf/ df_

ljj/ 0fcf=j=

@)^%/ ^^cf=j=

@)^^/ ^&cf=j=

@)^&/ ^*cf=j=

@)^*/ ^(cf=j=

@)^(/ &)cf=j=@)&)/ &! cflZjg d;fGt

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

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

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

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

Jofh vr{ @&, @!& %%, %#* !)$, @)( !#!, )%% !%#, )$! $$, *!!

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

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

s/ cuf8Lsf] d'gfkmf *, !&# @!, %%* $#, ^*% %%, ##& &*, %^* !%, ^!#

v'b dgfkmf %, (#! !#, &() @&, *@( #%, *&@ %))@# (, (#%


2 ;ftf} + jflif{ s k|ltj] bg

a} +sn] cfly{ s jif{ @)^(÷&) df % s/ f] 8 @# xhf/ v'b d'gfkmf cfh{ g ug{ ;kmn / x] sf] 5 . h'g cf=j= @)^*/ )^( sf] t'ngfdf #(=$% n] j9L x'g cfp+5 .

- !

10,000.00 !

20,000.00 !

30,000.00 !

40,000.00 !

50,000.00 !

60,000.00 !

2065-66! 2066-67! 2067-68! 2068-69! 2069-70!

v'b d'gfkmfsf] t'ngfTds cWoog

cfly{ s jif{ @)^(/ &) df a} +s tyf ljQLo ;+: yfx¿df t/ ntfsf] cj: yf pRr / x] sf] ePtfklg b] zsf] cl: y/ / fhg} lts cj: yfsf] sf/ 0f pwf] u wGbf nufot pTkfbglzn If] qx¿sf] ljsf; / la: tf/ gePsf] sf/ 0fn] nufgL ;+s'rg eO{ nufgLdf ;xhtf cfpg g;s] sf] cj: yf laBdfgg} 5 . o: tf ljljw sl7gfO{ x¿sf jfjh't klg a} +sn] cf=j= )^(÷&) df lgIf] k ;+sng tyf shf{ k|jfxdf pn] Vo j[ l4 xfl;n ug{ ;kmn ePsf] 5 . a} +sn] cf=j= )^(÷&) df @ cj{ ( s/ f] 8 *& nfv lgIf] k ;+sng u/ L ;f] xL cjlwdf ! cj{ *) s/ f] 8 &! nfv shf{ k|jfx ug{ ;kmn ePsf] 5 . h'g cf=j= )^*/ ^( sf] t'ngfdf lgIf] kdf $!=%#Ü / shf{ df %&=&(Ü n] j[ l4 ePsf] xf] .

5, 931

13, 790

27, 829

35, 872

50, 023

/ sd

?= x

hf/

df

cfly{ s jif{

d2tL @^=)!

Kn]S;L lgIf]k !=&#

sn vftf !)=)(

rNtL vftf !=#$

jrt vftf %#=!(

cGt/ j}}s &=^$

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



-

500,000.00

1,000,000.00

1,500,000.00

2,000,000.00

2,500,000.00

2065-66 2066-67 2067-68 2068-69 2069-70

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

k]fIgl {fhs

/ sd

?= x

hf/

df

cfly{ s jif{

lgIf] kshf{

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

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

cfalws shf{ +!*=*%

cf]e/8||fkm6 shf{ #@=^^ cfjf; shf{ @)=!(

l/on :6]]6 shf{ $=^@

z]o/ shf{ )=)^

xfo/ kr]{h shf{ !#=@!

lakGg ju{ shf{ #=@*

cGo shf{ &=!#

shf{sf] k|s[lt -k|ltztdf_

@= / fli6«o tyf cGt/ f{ li6«o kl/ l: yltaf6 a} +snfO{ k/ ] sf] k|efj M

ut jif{ klg b] zdf / fhgLlts cl: y/ tf / cGof} ntf sfod} / x] sf] sf/ 0f ;du| d'n'ssf] cy{ tGqn] ;xL dfu{ lgb] { z

ug{ g;s] sf] cj: yf oyfjt g} 5 . oBlk e/ v/ } dfq ;DkGg ;+ljwfg ;efsf] r'gfjn] cj b] zdf l: y/ / fhg} lts

jftfj/ 0fsf] l;h{ gf eO{ d'n'ssf] cy{ tGqdf ;xL dfu{ lgb] { z ug] { s'/ fdf eg] s] xL lemgf] cfzf knfPsf] 5 . o;n] ubf{

cfufdL lbgx¿df b] zsf] ;du| cy{ tGq / a} +s tyf ljQLo ;+: yfx¿sf] nflu cg's'n jftfj/ 0f l;h{ gf x'g] s'/ fdf

cfzfjfbL x'g ;lsg] cj: yf 5 .

cfly{ s jif{ @)^(÷&) df g] kfnsf] ;dli6ut cfly{ s l: ylt ;Gtf] ifk|b g} / Xof] . cfly{ s j[ l4b/ / d'b|f: kmLltb/ nIo

cg';f/ xfl;n geP klg df} lb|s Pjd\ ljQLo kl/ ;"rsx¿, e'QmfgL ;Gt'ng / / fh: j ;+sng pT;fxk|b / x] . k|lts"n



df} ;dn] ubf{ s[ lif pTkfbg sdhf] / / x] sf] , cfly{ s jif{ sf] pQ/ f4{ df dfq k"0f{ ah] 6 cfPsf] n] k"FhLut vr{ n] ult lng

g;s] sf] tyf pmhf{ ;Í6 oyfjt / x] sf] sf/ 0f nlIft cfly{ s j[ l4b/ xfl;n x'g ;s] g . cfoftsf] t'ngfdf lgof{ tsf]

j[ l4b/ Go"g / x] sf] n] Jofkf/ 3f6f a9\g] qmd oyfjt / x] klg ljk|] if0f cfk|jfx ;Gtf] ifhgs ¿kdf a9] sf] n] rfn' vftf

artdf / xL zf] wgfGt/ l: ylt ;'b[ 9 / xg ;Sof] . o;af6 ljb] zL ljlgdo ;l~rltdf pNn] Vo j[ l4 ePsf] 5 .

;dLIff cjlwdf ef/ ttkm{ sf] lgof{ t @=^ k|ltztn] / cGo d'n'stkm{ sf] lgof{ t &=) k|ltztn] a9L s'n lgof{ t $=)

k|ltztn] j[ l4 ePsf] 5 eg] ef/ t tyf cGo d'nsaf6 ePsf] cfoft qmdzM @#=# k|ltzt / !&=# k|ltztn] j[ l4 eO{

s'n cfoft @!=@ k|ltztn] a9] sf] 5 . lgof{ tsf] t'ngfdf cfoftsf] j[ l4b/ pRr / x] sf] sf/ 0f cfly{ s jif{ @)^(÷&)

sf] P3f/ dlxgfdf Jofkf/ 3f6f a9] / ?= $#* ca{ ^& s/ f] 8 k'u] sf] 5 eg] lgof{ t–cfoft cg'kft cl3Nnf] jif{ sf] P3f/

dlxgfdf !^=) k|ltzt / x] sf] df ;dLIff cjlwdf !#=& k|ltztdf cf] ln{ Psf] 5 .

rfn' cfly{ s jif{ sf] P3f/ dlxgf;Dddf zf] wgfGt/ l: ylt ?= %@ ca{ ^( s/ f] 8n] artdf / x] sf] 5 . cl3Nnf] cfly{ s

jif{ sf] ;f] xL cjlwdf ?= !!% ca{ &^ s/ f] 8n] zf] wgfGt/ artdf / x] sf] lyof] . j: t' Jofkf/ df pNn] Vo 3f6f / x] tfklg

;] jf tyf 6«fG;km/ tk{ m art / x] sf] sf/ 0f ;dLIff cjlwdf rfn' vftf ?= $! ca{ %^ s/ f] 8n] artdf / x] sf] 5 . rfn'

vftf cGtu{ tsf] v'b ;] jf cfo ?= & ca{ !% s/ f] 8n] artdf / xg'sf ;fy} ljk|] if0f cfk|jfx @!=# k|ltztn] j[ l4 eO{

?= #** ca{ $^ s/ f] 8 k'u] sf] 5 . cd] l/ sL 8n/ df ljk|] if0f cfk|jfx !!=* k|ltztn] a9] / $ ca{ $% s/ f] 8 k'u] sf] 5 .

s'n ufx{ : Yo pTkfbgdf Ps ltxfO{ eGbf a9L lx: ;f cf] u6\g] s[ lif If] q ce} mklg lgjf{ xd'vL cj: yfd} / x] sf] tyf pBf] u

Pjd\ ;] jf If] q klg ljleGg cfly{ s tyf u} / –cfly{ s Jojwfgaf6 u'lh|/ x] sf] n] d'n'ssf] cfly{ s j[ l4n] ult lng ;s] sf]

5} g . cfly{ s jif{ @)^(÷&) df oyfy{ s'n ufx{ : Yo pTkfbg j[ l4b/ cfwf/ e"t d"Nodf #=^ k|ltzt / pTkfbssf]

d"Nodf #=& k|ltzt / x] sf] s] Gb|Lo tYofÍ ljefusf] k|f/ lDes cg'dfg 5 . cl3Nnf] jif{ o: tf] j[ l4b/ qmdzM $=% k|ltzt

/ $=( k|ltzt / x] sf] lyof] . ;dLIff jif{ df s[ lif tyf u} / –s[ lif If] qsf] j[ l4b/ qmdzM !=# k|ltzt / %=) k|ltzt / x] sf]

cg'dfg 5, h'g cl3Nnf] jif{ qmdzM %=) k|ltzt / $=@ k|ltzt / x] sf] lyof] . ;dLIff jif{ df u} / –s[ lif If] q cGtu{ t

pBf] u If] q !=^ k|ltztn] / ;] jf If] q ^=) k|ltztn] j[ l4 ePsf] cg'dfg 5 . cl3NNff] jif{ pBf] u If] q #=) k|ltztn] /

;] jf If] q $=% k|ltztn] j[ l4 ePsf] lyof] . kl5Nnf] jif{ df ;] jf If] qsf] j[ l4b/ df ;'wf/ cfpg'df Jofkf/ , ko{ 6g, oftfoft

tyf ;~rf/ If] qsf] of] ubfg / x] sf] 5 .

;g\ @))* b] lv cd] l/ sfaf6 z'? ePsf] ljQLo ;+s6 dTy/ ePsf] / o'/ f] ksf] ;fj{ hlgs C0f ;+s6df klg s] xL ;'wf/

cfPsf] n] ljZj cfly{ s kl/ b[ Zo s] xL ;sf/ fTds b] lvPsf] 5 . cGt/ f{ li6«o d'b|fsf] ifn] ;g\ @)!# sf] clk|ndf hf/ L u/ ] sf]

ljZj cfly{ s kl/ b[ Zo (World Economic Outlook) cg';f/ ljZjsf] cfly{ s j[ l4b/ ;g\ @)!# df #=# k|ltzt / ;g\

@)!$ df $=) k|ltzt / xg] b] lvPsf] 5 . ;g\ @)!# df cd] l/ sL cy{ tGq !=( k|ltztn] j[ l4 x'g] cg'dfg / x] sf] 5

eg] o'/ f] If] qsf] cy{ tGq )=# k|ltztn] ;+s'rg x'g] cg'dfg 5 . To;} u/ L, ;g\ @)!# df pbLodfg tyf ljsf;zLn

b] zx¿sf] cy{ tGq %=# k|ltztn] a9\g] cg'dfg 5 . ef/ tLo cy{ tGq ;g\ @)!@ df $=) k|ltztn] j[ l4 ePsf] df ;g\

@)!# df %=& k|ltztn] a9\g] cg'dfg 5 . rLgsf] cfly{ s j[ l4b/ ;g\ @)!@ df &=* k|ltzt / x] sf] df ;g\ @)!# df

*=) k|ltzt / xg] cg'dfg 5 .

cGt/ f{ li6«o d'b|fsf] ifsf cg';f/ ;g\ @)!@ df ljsl;t b] zx¿sf] pkef] Qmf d'b|f: kmLltb/ @=) k|ltzt / x] sf] df ;g\



@)!# df !=& k|ltzt / xg] / ;g\ @)!$ df ;f] b/ @=) k|ltzt / xg] k|If] k0f 5 . To;} u/ L, ;g\ @)!# df pbLodfg

tyf ljsf;zLn b] zx¿sf] d'b|f: kmLlt b/ %=( k|ltzt / xg] cg'dfg 5 eg] ;g\ @)!$ df pQm b/ %=^ k|ltzt / xg]

k|If] k0f 5 . l5d] sL d'n's ef/ tdf ;g\ @)!@ df d'b|f: kmLltb/ (=# k|ltzt / x] sf] df ;g\ @)!# df !)=* k|ltzt

/ xg] cg'dfg 5 . rLgsf] d'b|f: kmLltb/ ;g\ @)!@ df @=^ k|ltzt / x] sf] df ;g\ @)!# df #=) k|ltzt / xg] cf+sng

/ x] sf] 5 .

#= ut cfly{ s jif{ sf pknJwL tyf efjL sfo{ qmd M

a} +ssf] sfo{ If] q lj: tf/ sf nflu rf} yf] jflif{ s ;fwf/ 0f ;efaf6 kfl/ t eP adf] lhd g] kfn / fi6« a} +saf6 ldlt @)^(

;fn d+l;/ !$ ut] o; a} +snfO{ !) lhNnfdf sfo{ If] q lj: tf/ ug] { O{ hfht k|fKt ePsf] / ;f] cg'¿k xfn sfod

/ x] sf # -tLg_ lhNnf nufot ylkPsf gofF & ;ft lhNnfx¿ ndh'ª, : ofª\hf, gjnk/ f;L, ¿kGb] xL, dsjfgk'/ ,

k;f{ , wflbªsf ljleGg : yfgx¿df ;DefJotf cWoog u/ L yk zfvf sfof{ nox¿ vf] nL a} +lsª ;~hfnnfO{ cem

lj: tf/ / ;'b[ 9 ub} { nUg] gLlt cg'¿k lrtjgsf] zf/ bfgu/ / gjnk/ f;Lsf] bnbn] df zfvf sfof{ no : yfkgf

u/ L ljQLo sf/ f] jf/ ;'rf? eO/ x] sf] 5 . xfn o; a} +ssf] zfvf ;+Vof !) -b;_ k'u] sf] 5 . zfvfx?sf] ;+VofTds

j[ l4 Pj+ sfo{ If] q lj: tf/ n] yk ;~hfn lj: tf/ x'g uO{ cfufdL lbgx¿df cem a9L k|lt: kwL{ / u'0f: t/ Lo

;] jf k|bfg ug{ a} +s ;Ifd / xg] ljZjf; lnPsf] 5' . cGo : yfgx¿df klg a} +ssf] Jofj;flos lj: tf/ sf] nflu

;DefJotf cWoog u/ L zfvf ;~hfn lj: tf/ ub} { nlug] oxfFx¿ ;dIf cg'/ f] w ug{ rfxG5' / cfufdL lbgx¿df

cem u'0f: t/ Lo ;] jf k|bfg ub} { zfvfx¿sf] u'0f: t/ tyf Ifdtf lj: tf/ ug] { tkm{ ;~rfns ;ldlt tyf Joj: yfkg

rgfvf] eO{ nflu k/ ] sf] Joxf] / f d oxfFx¿ ;dIf hfgsf/ L u/ fpg rfxG5' .

a} +ssf] kfFrf} jflif{ s ;fwf/ 0f;efaf6 kfl/ t eP adf] lhd a} +ssf] s] Gb|Lo sfof{ no kf] v/ f–*, ;[ hgfrf] sdf : yfgfGt/ 0f

eO{ sfo{ ;~rfng eO/ x] sf] Joxf] / f cg'/ f] w 5 .

cfly{ s jif{ @)^(÷&) df a} +s tyf ljQLo ;+: yfx¿ Ps–cfk;df ufEg] ÷ufleg] sfo{ n] yk ult lnPsf] 5 .

cfly{ s jif{ @)^(÷&) df klxnf] k6s @ jfl0fHo a} +sx¿ uflePsf 5g\ . ;dLIff cjlwdf Pp6f jfl0fHo a} +sdf

b'O{ j6f ljsf; a} +sx¿ uflePsf 5g\ eg] !) ljsf; a} +s / !@ ljQ sDkgLx¿ Ps–cfk;df ufleP/ & ljsf;

a} +s / @ ljQ sDkgL ag] sf 5g\ . a+} s tyf ljQLo ;+: yfx¿ larsf] s8f k|lt: kwf{ , ltgsf] ;+VofTds j[ l4, ;fgf]

k"FhLsf sf/ 0f 7"nf kl/ of] hgfx¿df nufgL ug{ c;dy{ x'g'kg] { cj: yf tyf sfo{ If] q ;+s'rgsf] sf/ 0f Joj;fo

lj: tf/ ug{ c;xh kl/ l: yltsf] l;h{ gf x'g] ePsf] n] k"FhL j[ l4sf ;fy;fy} sfo{ If] q lj: tf/ ug{ Pj+ a} +s ljQLo

;+: yfk|lt hgljZjf; a9fpg g] kfn / fi6« a} +sn] ;d] t dh{ / nfO{ k|f] T;flxt u/ ] sf] 5 . / fli6«o : t/ sf] ljsf; a} +s

aGgsf] nflu o; a} +sn] cGo pko'Qm ;+: yfx¿sf] vf] hL u/ L ljleGg r/ 0fdf jftf{ ug] { qmddf s] xL ;+: yfx¿;Fu

5nkmn Pj+ jftf{ eO/ x] sf] 5 . jftf{ ;sf/ fTds eO{ Ps cfk;df ufEg] ÷ufleg] k|lqmof cuf8L a9] df ;f] xL cg'¿k

z] o/ wgL dxfg'efjx¿nfO{ cfjZos hfgsf/ L u/ fOg] 5 .

xfd|f] h: tf] ;fgf] d'n'ssf] cfly{ s ljsf;df / ] ld6\ofG;sf] 7"nf] of] ubfg / x] sf] 5 . of] s'n ufx{ : y pTkfbgsf]

dxTjk"0f{ lx: ;f klg ag] sf] 5 . o; a} +sn] ljleGg dlg 6«fG;km/ sDkgLx¿;Fu ;+emf} tf / ;xsfo{ u/ L a} +ssf

ljleGg zfvfx¿af6 l56f] 5l/ tf] ¿kdf ;lhn} / sd e'QmfgLsf] Joj: yf u/ L ljk|] if0f ;] jf k|bfg ub} { cfO/ x] sf]

5 . h: n] ubf{ u|fdL0f e] usf ;j{ ;fwf/ 0f hgtf nfeflGjt t ePs} 5g\ . o;sf] ;fy;fy} a} +ssf] ljljw cfDbfgL

tyf lgIf] kdf ;d] t ;sf/ fTds c;/ k/ ] sf] 5 . o;sf cnfjf xfd|f ;] jfu|fxLx¿sf] ;'ljwfsf] nflu b] zleq g} Ps

7fpFaf6 csf] { 7fpFdf / sd : yfgfGt/ 0f ug] { ;] jf k|bfg ub} { cfPsf] / cfufdL lbgx¿df o;nfO{ cem k|efjsf/ L

9Ën] cuf8L a9fO{ ;] jfnfO{ ;xh agfOg] 5 .



a} +sn] cfkm\gf] : yfkgfsfnb] lv g} w] / } a} +s tyf ljQLo ;+: yfx¿n] k|of] udf NofPsf] Pumori Plus III Banking Software k|of] udf NofO{ ljQLo sf/ f] jf/ ul/ / x] sf] 5 / o;nfO{ ;do ;fk] If s] Gb|Ls[ t u/ L gofF Version df

Up-grade ug{ nfluPsf] 5 . xfn ;~rfngdf / x] sf !) j6} zfvf sfo{ fnox¿nfO{ Pp6} ;+hfndf cfj4 u/ L

Any Branch Banking Service (ABBS) ;] jf k|bfg ub} { cfO/ x] sf] 5 . ;fy} a} +sn] ̂ j6f zfvf sfof{ nox¿af6

cfkm\g} ATM d] l;g h8fg u/ L ATM ;] jf k|bfg ub} { cfO/ x] sf] 5 . a} +sn] ;GWofsfnLg sfpG6/ , ns/ ;'ljwf,

#^% lbg a} +lsª ;] jf k|bfg ub} { cfPsf] 5 . a} +sn] lgs6 eljiodf E-Banking ;] jf tyf Mobile a} +lsª ;] jf

h: tf cTofw'lgs a} +lsª ;'ljwf klg ;~rfng ug] { k|lqmofdf / x] sf] 5 . a} +ssf z] o/ wgL tyf u|fxs dxfg'efjx¿sf]

nflu ;xL / b|'t ;"rgfsf] nflu a} +sn] cfkm\gf] j] e ;fO{ 6 www.kamanabank.com.np ;d] t ;~rfngdf NofPsf]

5 / ;f] nfO{ ;d] t ;do ;fk] If ¿kdf kl/ dfh{ g ub} { nuL cfjZos ;Gb] z / ;"rgfx¿ ;dod} k|jfx ug] { ul/ Psf]

5 .

a} +sn] g] kfn / fi6« a} +ssf] ;df;f] wg u[ x -Clearing House_ sf] ;b: otf lnO{ o; a} +ssf tyf cGo a} +ssf

r] sx¿ ;df;f] wg u[ x dfkm{ t lSnol/ Ë ug{ ;lsg] ;'ljwf cfkm\gf u|fxsx¿nfO{ k|bfg ul/ / x] sf] 5 . g] kfn / fi6«

a} +sn] lghL If] q;Fusf] ;xsfo{ df ;~rfng u/ ] sf] E-Clearing sf] ;b: otfsf] nflu k|lqmof cufl8 a9] sf] 5 .

E-Clearing sf] ;'ljwf kl5 u|fxsx¿n] cem k|efjsf/ L ;] jf k|fKt ug] { 5g\ . o; a} +ssf] zfvf gePsf : yfgx¿,

sf7df08f} nufot cGo zx/ x¿af6 ;d] t o; a} +ssf] r] s e'QmfgLsf] nflu Citizens Bank International Limited / Reliable Finance Limited ;Fu ;Demf} tf u/ L oL ;+: yfx¿sf ;a} zfvfx¿af6 o; a} +ssf] r] s

e'QmfgLsf] Joj: yf ldnfOPsf] 5 .

a} +sn] hf] lvd Go"gLs/ 0fsf] nflu cfjf; shf{ , xfo/ kr] { h shf{ sf ;fy ;fy} ljleGg pTkfbgzLn If] qx¿df shf{

nufgL ub} { } cfPsf] 5 . cfkm\gf u|fxsx¿sf] dfu / rfxgf cg';f/ ;'g rfFbL lwtf] shf{ df nufgL ub} { cfO/ x] sf]

/ o;sf] k|efj ;sf/ fTds / x] sf] sf/ 0f cfjZostf cg';f/ cGo ;+efljt b] lvPsf zfvfx¿af6 ;d] t ;'g rfFbL

lwtf] df shf{ sf/ f] jf/ sf] yfngL ug] { , nufgLdf / x] sf ;du| shf{ x¿sf] pRr u'0f: t/ nfO{ sfod / fVb} hf] lvd

Go"gLs/ 0fdf ;b} j Wofg lbO{ shf{ cg'udgnfO{ j} 1flgs tj/ af6 k|of] udf Nofpg] tyf shf{ tyf ;fk6df k|fKt

x'g] k|ltkmnnfO{ pRr / fVg shf{ nufgLdf ljljwLs/ 0f u/ L nufgLnfO{ ;'lglZrttf k|bfg ub} { } nlug] 5 .

$= dfgj ;+;fwgM

a} +ssf] pRr Joj: yfkgdf a} +lsË If] qdf nfdf] cjlwsf] sfo{ cg'ej xfl;n ul/ ;s] sf of] Uo tyf bIf sd{ rf/ Lx¿

/ xg' ePsf] 5 . a} +sn] sd{ rf/ Lx¿ a} +ssf cd"No ;DklQ x'g\ eGg] dfGotfnfO{ cfTd;ft u/ L sd{ rf/ Lx¿sf] j[ lQ

ljsf; tyf bIftf clej[ l4 ug{ ;do ;dodf ljleGg tflnd, uf] i7L tyf ;] ldgf/ x¿df ;xefuL u/ fpFb} cfPsf]

5 . sd{ rf/ Lx¿sf] sfo{ s'zntfdf a} +ssf] ;kmntf lge{ / / xg] x'gfn] sd{ rf/ L egf{ ubf{ sd{ rf/ Lsf] of] Uotf,

bIftf, Pj+ cg'ejsf] cfwf/ df 5gf} 6 ug] { ul/ Psf] 5 . To: t} lghx¿sf] dgf] jn pRr / fVg jflif{ s sfo{ ;Dkfbg

d"NofÍg u/ L ;f] xL adf] lhd ;do ;fk] If tna tyf ;'ljwfdf k'g/ fjnf] sg ug] { , pTs[ i6 sd{ rf/ Lx¿nfO{ a9'jf

tyf k|f] T;fxg : j¿k u|] 8 yk ug] { ul/ Psf] 5 . pRr Joj: yfkg / sd{ rf/ L aLr lgoldt ;~rf/ sf] nflu

Joj: yfkg txsf] a} 7s a;L efjL sfo{ qmd Pj+ / 0fgLlt, tyf xfl;n u/ ] sf pknJwLx¿sf] af/ ] df ;fd'lxs ¿kdf

5nkmn u/ L lg0f{ o k|lqmofdf sd{ rf/ Lx¿nfO{ ;xefuL u/ fpg] kl/ kf6Lsf] ljsf; ul/ Psf] 5 . xfn a} +sdf hDdf

^& hgf sd{ rf/ Lx¿ sfo{ / t / x] sf 5g\ .



%= ;fdflhs pQ/ bfloTjM

a} +s Ps ljz'4 ljQLo sf/ f] jf/ ug] { Jofj;flos ;+: yf ePtf klg o;n] ;dfhk|lt lgjf{ x ug{ 'kg] { ;fdflhs

pQ/ bfloTj jxg ub} { cfPsf] 5 . a} +sn] n] vgfysf ;j{ ;fwf/ 0fx¿n] ;j{ ;'ne ¿kdf ljleGg : jf: Yo ;] jfx¿

lnO/ x] sf] n] vgfy ;fd'bflos nfoG; c: ktfndf k|j] zåf/ lgdf{ 0f u/ ] sf] 5 . To: t} t] ;|f] jflif{ s pT;jsf]

k"lgt cj;/ df kf] v/ f–#, gbLk'/ df cjl: yt nIdL gf/ fo0f dlGb/ kl/ ;/ df ljjfx d08k lgdf{ 0f u/ ] sf] 5 .

n] vgfy–!#, tNnf] uuguf} +8f tyf kf] v/ fsf] dxtuf} +8fdf cjl: yt j[ 4f>dx¿df / xg'ePsf j[ 4j[ 4fx¿nfO{ k6s

k6s ljleGg pkef] Uo ;fdfu|L, vfBfGg tyf nQf sk8fx¿ ljt/ 0fsf ;fy} cfly{ s ;xof] u k|bfg u/ ] sf] 5 .

kf] v/ f ljZjljBfnodf la=la=P=cWoog/ t ljBfyL{ x¿nfO{ jflif{ s ¿kdf 5fqj[ lQsf] Joj: yf u/ ] sf] 5 eg] ljleGg

;fd'bflos ljBfnox¿df jflif{ s 5fqj[ lQsf] ;d] t Joj: yf ul/ Psf] 5 . cfufdL lbgx¿df ;d] t lzIff, : jf: Yo,

wfld{ s Pjd\ jftfj/ 0f ;DaGwL cGo ;fdflhs sfo{ x¿df a} +ssf] ;xeflutfnfO{ lg/ Gt/ tf lbOg] 5 .

^= ;+: yfut ;'zf;gM

a} +sn] ;+: yfut ;'zf;gsf] : t/ nfO{ ;b} j pRr : t/ df sfod / fVgsf] nflu k"0f{ k|ltjå 5 . ;+: yfut ;'zf;g

a} +ssf] sfd sf/ jfxLsf] dfu{ bz{ gsf] ¿kdf / x] sf] s'/ fnfO{ dgg\ ub} { ;f] xL cg'¿k g] kfn / fi6« a} +s nufot

;DalGwt lgodgsf/ L lgsfox¿af6 hf/ L lgb] { zg Pjd\ a} +ssf gLltx¿sf] k"0f{ kfngfsf] nflu ;~rfns ;ldlt

/ Joj: yfkg k|ltj4 / x] sf] 5 . cfGtl/ s n] vf k/ LIfsaf6 q} dfl;s ¿kdf ;Dk"0f{ cfly{ s ultljlwx¿sf] cWoog

u/ L tof/ kf/ ] sf] n] vf k/ LIf0f k|ltj] bg pk/ cfGtl/ s n] vf k/ LIf0f ;ldltn] 5nkmn ub{ 5 . pQm k|ltj] bgdf

cf} +NofPsf s} lkmotx¿ ;'wf/ sf] nflu Joj: yfkg ;b} j ;hu / x] sf] 5 . a} +sn] ;~rfng u/ ] sf sfo{ qmdx¿

Kff/ bzL{ Pjd\ lgod ;+ut 5g\ . a} +sn] tof/ u/ ] sf ljQLo ljj/ 0fx¿ g] kfn n] vfdfg -Nepal Accounting Standard_, n] vf ;DaGwL ;j{ dfGo l;4fGt / g] kfn / fi6« a} +ssf] lgb] { zg cg';f/ 5g\ .

&= Jofj;flos ;DaGw lj: tf/ M

a} +sn] cfkm\gf] a} +lsª Joj;fo;Fu k|ToIf Pj+ ck|ToIf ¿kdf ;Da4 ;a} cf} Bf] lus k|lti7fg tyf Jofj;flos ;+: yf,

;/ sf/ L tyf u} x| ;/ sf/ L ;+3 ;+: yf, a} +s tyf ljQLo ;+: yfx¿ ;d] t;Fu ldqjt tj/ n] ;f} xfb|{ k"0f{ Pj Jofj;flos

;DaGw sfod / fVb} cfPsf] 5 / lg/ Gt/ Jofj;flos k|lt: kwf{ df : jR5tf clej[ l4 ub} { , eljiodf ;d] t kf/ bzL{

9Ën] a} +ssf] lxtdf Jofj;flos ;DaGw lj: tf/ ug{ ;b} j k|oTgzLn / x] sf] 5 .

*= cfGtl/ s lgoGq0f k|0ffnL M

a} +ssf] cfkm\gf] Joj;fo lj: tf/ ;Fu} To;df cGt/ gLlxt hf] lvdx¿ Go"gLs/ 0f ug{ sf] nflu cfGtl/ s lgoGq0f

k|0ffnLsf] dxTjk"0f{ e"ldsf / x] sf] x'G5 . ;f] xL cg'¿k a} +lsË Joj;fodf lglxt shf{ , ahf/ tyf ;~rfng

nufotsf hf] lvdx¿nfO{ dWogh/ ub} { a} +sn] cfGtl/ s lgoGq0f k|0ffnLnfO{ c´ dhj't agfpFb} n} hfg] gLlt

lnPsf] 5 . a} +ssf] x/ ] s lqmofsnfkx¿ : jLs[ t sfo{ ljlw dfkm{ t lgb] { lzt / xg'sf ;fy} lgoldt ¿kdf cfGtl/ s

n] vf k/ LIf0f ljefusf] lgoGq0f / ;'kl/ j] If0fdf / x] sf 5g\ . cfGtl/ s n] vfk/ LIf0f ljefuaf6 a} +ssf x/ ] s ljefu

tyf zfvfx¿sf] lgoldt ¿kdf n] vfk/ LIf0f ug] { u/ ] sf] / ;f] af/ ] n] vfk/ LIf0f ;ldlt / ;~rfns ;ldltdf

lj: t[ t ¿kdf 5nkmn u/ L n] vfk/ LIf0f k|ltj] bgdf cf} +NofOPsf sdL sdhf] / Lsf af/ ] df ;DalGwt sd{ rf/ Lx¿nfO{

tTsfnLg ;dodf g} hfgsf/ L lbO{ ;'wf/ ug{ lgb] { zg lbg] ul/ Psf] / ;f] xL cg';f/ ;dodf g} ;'wf/ x'g] u/ ] sf] 5 .



(= ;~rfns ;ldltdf x] / km] / M

;dLIff cjlwdf cfkm\gf] sfo{ Jo: ttf Pj+ 3/ fo;L sf/ 0f ;+: yfksx¿sf] tkm{ af6 k|ltlglwTj ug] { ;~rfns

Pj+ ;~rfns ;ldltsf cWoIf >L rt'/ fv/ clwsf/ Ln] ;~rfns kbaf6 / flhgfdf lbg'ePsf] n] ;f] l/ Qm kbdf

;~rfns ;ldltsf] ldlt @)^(/ !@/ @@ sf] j} 7ssf] lg0f{ o adf] lhd >L / fh] Gb|lglw sf] O/ fnfnfO{ ;~rfns

kbdf dgf] gLt u/ ] sf] 5 eg] ;~rfns ;ldltsf] ldlt @)^(/ !@/ @# ut] sf] a} 7sn] >L / fh] Gb|lglw sf] O/ fnfnfO{

;~rfns ;ldltsf] cWoIf kbdf rog u/ ] sf] 5 .

!)= a} +ssf] sf/ f] jf/ df c;/ kfg] { d'Vo s'/ fx¿ M

a} +lsË ;] jfsf] lj: tf/ af6 g} k|fyldstf k|fKt If] q / ljkGg ju{ sf] pTyfgdf ;d] t cfjZos ;xof] u k'lu/ x] sf] 5

eg] cfw'lgs a} lsË ;] jfaf6 sfo{ k|0ffnLdf yk ;xhtf k|bfg u/ ] sf] 5 . cy{ tGqdf cgfjZos lgoGq0f x6fPs}

sf/ 0f a} lsË If] qsf] k|j4{ gdf of] ubfg k'u] sf] xf] . kl5Nnf] bzsdf cGo If] qsf] t'ngfdf ljQLo ;+: yfx¿sf] j[ l4n]

ljQLo ahf/ sf] cj: yf alnof] b] lvPtf klg ljleGg s'/ fx¿n] ljQLo ahf/ nfO{ k|ToIf jf ck|ToIf ¿kdf c;/

kfl/ / x] sf x'G5g\ .

sDkgLsf] sf/ f] jf/ df vf; u/ ] / lgDg lsl;dsf hf] lvdx¿ lglxt / xg] b] lvG5 .

;dfg ;] jf k|bfos ljQLo ;+: yfx¿sf] ;+Vofdf ePsf] j[ l4sf sf/ 0fn] l;lh{ t k|ltikwf{ .

a] nf a] nfdf b] vf kg] { clws jf Go"g t/ ntfsf] ;d: of .

b] zdf ljBdfg t/ n / fhgLlts cj: yf .

/ fi6«sf] cfly{ s, df} lb|s tyf ljQLo gLlt kl/ jt{ gaf6 kg{ ;Sg] c;/ x¿ .

;Lldt ef} uf] lns sfo{ If] q / zfvf ;~hfnsf] ckof{ Kttfsf] sf/ 0faf6 pTkGg x'g ;Sg] hf] lvdx¿ .

bIf Pj+ of] Uo dfgj ;+zfwgsf] cefj tyf knfogaf6 kg] { ;Sg] c;/ x¿ .

lgIf] k tyf shf{ nufgLsf] Jofhb/ df x'g] kl/ jt{ gaf6 kg{ ;Sg] c;/ / hf] lvdx¿ .

oyf;dodf shf{ c;'nL geO{ pTkGg x'g ;Sg] hf] lvdx¿ .

shf{ tyf nufgLsf] bfo/ f ;fF3'l/ P/ pTkGg x'g;Sg] hf] lvdx¿ .

cGt/ fli6«o ¿kdf x'g] cfly{ s tyf ljQLo If] qsf] l;lyntfn] g] kfnL ahf/ df kg{ ;Sg] c;/ af6 x'g;Sg]

cfly{ s hf] lvdx¿ .

b] zsf] k"FhL ahf/ df cfpg ;Sg] ptf/ r9fjaf6 kg{ ;Sg] hf] lvdx¿ .

!!= n] vf k/ LIf0f k|ltj] bgsf ;DaGwdf ;~rfns ;ldltsf] k|ltlqmof M

lgoldt sf/ f] jf/ df x'g] ;fdfGo s} lkmot afx] s cGo s'g} gsf/ fTds s} lkmot n] vf k/ LIf0f k|ltj] bgdf b] lvPsf]

5} g . n] vf k/ LIfsn] lbPsf ;'emfjx¿sf] sfo{ fGjogsf] nflu Joj: yfkgnfO{ lgb] { zg lbO{ ;lsPsf] / ;f] xL cg'¿k

clwsf+z ;'emfjx¿ sfof{ Gjogdf NofO;s] sf] Joxf] / f hfgsf/ L u/ fpg rfxG5' .

!@= nfef“z af“8kmf“8 ug{ l;kmfl/ ; ul/ Psf] / sd M

cf=j= @)^(÷&) ;Dd ;l~rt d'gfkmfaf6 r'Qmf kF"hLsf] ^ k|ltztsf b/ n] ? !@, ))), ))).– -Ps s/ f] 8 aL;

nfv_ gub nfef+z tyf !% k|ltztsf] b/ n] x'g cfpg] ?= #), ))), ))). -cIf¿kL tLg s/ f] 8_ af] gz z] o/

ljt/ 0fsf] nflu l;kmfl/ ; ul/ Psf] 5 .



!#= hkmt ul/ Psf] z] o/ ;+Vof M

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

!$= a} +s / o;sf] ;xfos sDkgLx¿;“usf] sf/ f] jf/ M

a} +ssf] s'g} klg ;xfos sDkgL 5} g .

!%= a} +ssf d'n z] o/ wgLx¿n] ;dLIff cjlwdf a} +snfO{ lbPsf] hfgsf/ L M

s] xL gePsf] .

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

s] xL gePsf] .

!&= a} +s;“u ;DalGwt ;+emf} tfx¿df s'g} ;~rfns tyf lghsf cfkmGtsf] JolQmut : jfy{ ;DaGwL hfgsf/ L M

s] xL gePsf] .

!*= k'g M v/ Lb ul/ Psf] z] o/ x¿sf] ljj/ 0f M

;dLIff cjlwdf z] o/ x¿sf] k'gM vl/ b sfo{ ePg .

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

sd{ rf/ L vr{ !*, &%(, !%#=!&

;~rfng vr{ @$, )&^, &#&=^@

s'n vr{ $@, *#%, *()=&(

@)= n] vfk/ LIf0f ;ldltsf kbflwsf/ Lsf] gfd, sfd, st{ Jo / ;'ljwf M

g] kfn / fi6« a} +ssf] lgb] { zg adf] lhd cfGtl/ s lgoGq0f k|0ffnLnfO{ r': t b'?: t / fVg lgDgfg';f/ sf] n] vf k/ LIf0f

;ldlt u7g eO{ sfo{ / t / x] sf] hfgsf/ L u/ fpFb5' .

;+of] hs >L Ps/ fh hd/ s§] n ;~rfns

;b: o >L b] js[ i0f sfkm\n] ;~rfns

;b: o >L / fdsfhL >] i7 ;~rfns

;b: o ;lrj >L ljsfz 9'+ufgf j=clws[ t

n] vfk/ LIf0f ;ldltn] cfGtl/ s tyf jfx\o n] vf k/ LIfsn] tof/ kf/ ] sf] k|ltj] bgsf] lgoldt ¿kdf j} 7s a;L

To; k|ltj] bgdf p7fOPsf s} lkmotx¿sf jf/ ] df 5nkmn ug] { , a} +ssf] ljQLo l: ylt, cfGtl/ s lgoGq0f, ljleGg

hf] lvd Pjd\ r'gf} ltx¿sf] cWoog Pjd\ Joj: yfkg, lgoldt sfo{ ;Dkfbg cflbsf] af/ ] df lgoldt ;dLIff

ub{ 5 . ;f] k|ltj] bgdf cf} +NofOPsf s} lkmotx¿ Dffly 5nkmn u/ L ;~rfns ;ldltdf / fo ;'emfj k] z ug'{ sf

;fy} cfjZos ;'wf/ sf nflu Joj: yfkgnfO{ ;dod} lgb{ ] zg lbg] / lbPsf] lgb{ ] zgx¿sf] sfof{ Gjogsf jf/ ] df



k'g/ fjnf] sg ;d] t ug{ ] u/ ] sf] 5 . n] vf k/ LIf0f ;ldltsf ;+of] hs Pj+ ;b: ox¿nfO{ a} 7s eQf jfkt k|lt a} 7s

?= @, )))/ - lbg] ul/ Psf] 5 .

@!= ;~rfns, sfo{ sf/ L k|d'v, a} +ssf cfwf/ e"t z] o/ wgL jf lghsf cfkmGtn] a} +snfO{ a'emfpg af“sL / sd M

s] xL gePsf] .

@@= ;~rfns, sfo{ sf/ L k|d'v tyf kbflwsf/ Lx¿nfO{ e'QmfgL ul/ Psf] kfl/ >lds eQf tyf ;'ljwfsf] ljj/ 0f M

;~rfnsx¿ M

!= >L / fh] Gb|lglw sf] O{ / fnf cWoIf

@= >L Ps/ fh hd/ s§] n ;~rfns

#= >L v] dgfy e§/ fO{ ;~rfns

$= >L l/ a axfb'/ yfkf ;~rfns

%= >L b] js[ i0f sfkm\n] ;~rfns

^= >L / fdsfhL >] i7 ;~rfns

&= >L b] jfg u'?Ë ;~rfns

*= >L / fds'df/ lkof ;~rfns

cfly{ s jif{ @)^(÷&) df ;~rfns ;ldltsf] a} 7s !( k6s a;] sf] / ;~rfns ;ldltsf] a} 7sdf pkl: yt x'Fbfsf] a} 7s eQf lgodfjnLdf pNn] v eP adf] lhd cWoIf Pjd\ ;~rfnsx¿nfO{ qmdzM k|lt a} 7s eQf ? $, %)).–, ? $, ))).– lbg] ul/ Psf] 5 . cfly{ s jif{ @)^(÷&) df a} 7s eQf : j¿k ;~rfnsx¿nfO{ ?= $@%, ))).– -cIf¿kL rf/ nfv kRrL; xhf/ dfq _ e'QmfgL ul/ Psf] 5 . o; afx] s ;~rfnsx¿nfO{ c? s'g} ;'ljwf k|bfg ul/ Psf] 5} g . To: t} cfly{ s jif{ @)^(÷&) df k|d'v sfo{ sf/ L clws[ tnfO{ s'n jflif{ s tna eQf ? !, ^%^, %)).– e'QmfgL ul/ Psf] 5 . dfl;s ? !, ))).– sf b/ n] df] jfOn vr{ e'QmfgL ug] { ul/ Psf] 5 eg] b'3{ 6gf ladf, cf} iflw pkrf/ ladf a} +ssf] sd{ rf/ L ljlgodfjnLdf pNn] v ul/ P adf] lhd k|bfg ul/ Psf] 5 . k|d'v sfo{ sf/ L clws[ tsf] kfl/ >lds ;d] t Joj: yfkgsf cGo sd{ rf/ Lsf] kfl/ >lds / ;'ljwf u/ L ;dLIff jif{ df hDdf ?= $, !$&, (%%.– -cIf¿kL Psrfln; nfv ;trfln; xhf/ gf} ;o krkGg dfq_ vr{ ePsf] hfgsf/ L u/ fpFb5' .

@#= z] o/ wgLx¿n] a'lemlng af“sL / x] sf] nfef+z M

ut jif{ ;Dd ljt/ 0f ul/ Psf] nfef+zaf6 z] o/ wgLx¿n] a'lemlng afFsL / sd ? @(^, #&).– / x] sf] 5 .

@$= k+'hLsf] k|of{ Kttf M

g] kfn / fi6« a} +ssf] lgb{ ] zg cg';f/ a} +ssf] k|fylds k"FhL cg'kft %=% k|ltzt / k"FhLsf] if cg'kft !! k|ltzt x'g' kg] { Joj: yf / x] sf] 5 . cfly{ s jif{ @)^(÷&) df o; a} +ssf] k|fylds k"FhL cg'kft !!=(^ k|ltzt / k"FhLsf] if cg'kft !@=** k|ltzt sfod / x] sf] 5 . o;/ L @)&) sf] cfiff9 d;fGt;Dddf g] kfn / fi6« a} +ssf] Go'gtd dfkb08 eGbf k|fylds k"FhL cg'kft / k"FhL sf] if cg'kft qmdz M ̂ =$^ k|ltzt / !=** k|ltztn] a9L / x] sf] 5 .

@%= s[ t1tf 1fkg M

sfdgf ljsf; a} +sn] ;~rfngsf] 5f] 6f] cjlwdf cfkm\gf] ljQLo ;~hfnsf] ljsf; ug{ 'sf] cnfjf sfo{ If] q lj: tf/



u/ L cfkm\gf] cfly{ s ultljlwx¿df pNn] Vo k|ultx¿ xfl;n u/ ] sf] s'/ fx¿ dflysf kl/ ;"rsx¿n] klg b] vfPsf 5g\ eg] oL ;a} pknJwLx¿ xfl;n ug] { sfo{ df tyf a} +ssf] k|ultdf k|ToIf ¿kdf of] ubfg k'¥ofpg'x'g] ;Dk"0f{ lgIf] kstf{ , ;] jfu|fxL, ljleGg ;xof] uL ;+3 ;+: yf, ;+: yfks tyf ;j{ ;fwf/ 0f z] o/ wgL dxfg'efjx¿ tyf bQlrQ / nugzLn eO{ cxf] / fq v6\g] Joj: yfkg ;d"x tyf ;Dk"0f{ sd{ rf/ L ju{ df xflb{ s cfef/ k|s6 ub{ 5' . a} +sn] cfufdL lbgx¿df cem a9L ;kmntf xfl;n ug{ df ;Dk"0f{ z] o/ wgL, z'elrGts dxfg'efjx¿, sd{ rf/ Lx¿sf] d] xgt Pjd\ k|ltj4tf ;b} j sfod / xL / xg] 5 eGg] s'/ fdf d k"0f{ ljZj: t 5' . a} +ssf ljleGg ultljlwx¿sf] cWoogsf ;fy} a} +snfO{ cfkm\gf] cd"No ;'emfj pknAw u/ fO{ plrt dfu{ bz{ g k|bfg ug] { n] vfk/ LIf0f ;ldlt, hf] lvd Joj: yfkg ;ldlt, sd{ rf/ L Joj: yf tyf ;] jf ;'ljwf ;ldltk|lt xflb{ s wGojfb JoQm ub{ 5' . ;dod} a} +ssf] n] vf k/ LIf0f sfo{ ;DkGg u/ L dxTjk"0f{ ;'emfjx¿ k|bfg ug'{ ePsf] df afXo n] vf k/ LIfs ;'hg sfkm\n] P08 P;f] l;o6\;nfO{ wGojfb lbg rfxG5' . ;fy} lgodgsf/ L ;+: yfx¿ g] kfn / fi6« a} +s, g] kfn ;/ sf/ sf ljleGg lgsfox¿, sDkgL / lhi6«f/ sf] sfof{ no, g] kfn lwtf] kq af] 8{ , g] kfn : 6s PS;r] Gh lnld6] 8, u|f] df] / dr] { G6 a} +s/ lnld6] 8 sf ;fy} cGo ;+3 ;+: yfx¿n] k'¥ofpg'ePsf] ;xof] uk|lt cfef/ JoQm ub{ 5' . cfufdL lbgx¿df ;a} sf] yk xf} ;nf, ;xof] u / ;'emfjn] a} +sn] cem a9L k|ult xfl;n ug] { s'/ fdf d cfzfjfbL / x] sf] 5' .

wGojfb Û / fh] Gb|lglw sf] O/ fnf cWoIf



lwtf] kq btf{ tyf lgisfzg lgodfjnL @)^% sf] lgod @@ sf] pklgod -!_ ;“u ;DalGwt yk ljj/ 0f M!_ sfg'gL sf/ jfxL ;DaGwL ljj/ 0f M b] xfo cg';f/ sf] d'2f bfo/ ePsf] eP, d'2f bfo/ ePsf] ldlt, ljifo, d'2f bfo/ ePsf] ;+: yfks jf ;~rfnssf] gfd / ;DefJo

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

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

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

@_ ;+ul7t ;+: yfsf] z] o/ sf/ f] jf/ tyf k|ult ljZn] if0fM s_ lwtf] kq ahf/ df ePsf] ;+ul7t ;+: yfsf] z] o/ sf] sf/ f] jf/ ;DaGwdf Joj: yfkgsf] wf/ 0ffM b] zsf] cfly{ s cj: yfsf] sf/ 0f z] o/ ahf/ sf] sf/ f] jf/ ljut jif{ df klg Go"g g} / x\of] . ut cfly{ s jif{ sf] t] ;|f] qodf;sf]

cGTolt/ g] K;] ;'wf/ f] Gd'v / x] sf] 5 . lwtf] kq ahf/ df b] lvPsf] lzlyntfn] o; sDkgLsf] z] o/ sf/ f] jf/ df klg ;fdfGo k|efj kf/ ] tf klg a} +sn] nuftf/ ljt/ 0f ub} { cfO/ x] sf] nfef+zsf] sf/ 0f o; a} +sk|lt z] o/ nufgLstf{ x?sf] pT;fx a9] sf] n] z] o/ sf] ahf/ d"No j[ l4 x'g] ljZjf; ul/ Psf] 5 .

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

ljj/ 0f k|yd q} dfl;s bf] ;|f] q} dfl;s t] ;|f] q} dfl;s rf} yf] q} dfl;sz] o/ sf] clwstd d"No ?= 134 140 132 132z] o/ sf] Go"gtd d"No ?= 106 112 113 120z] o/ sf] clGtd d"No ?= 124 115 125 126s'n sf/ f] jf/ ePsf] ;+Vof 1745 642 632 605s'n sf/ f] jf/ ePsf] lbg 60 38 54 60

u_ ;d: of tyf r'gf} lt M w] / } h;f] a} +s tyf ljQLo ;+: yfx? zx/ s] lGb|t ePsf] sf/ 0fn] a} +sx?aLrsf] k|lt: kwf{ sfod g} / x] sf] 5 . z] o/ wgLx?sf]

ck] Iff k"/ f ug{ / k|lt: kwf{ sf] dfxf] ndf cfFkm'nfO{ cufl8 a9fpg Joj;flos sf/ f] jf/ df a[ l4 x'g cfjZos 5 . cl: y/ / fhlglts cj: yfsf] sf/ 0fn] ;': tfPsf] ahf/ n] ubf{ pko"Qm nufgL x'g g;s] sf] cj: yf 5 . nufgLdf pTkfbgzLn If] qsf] cefj, ;+rfng hf] lvd tyf ;"rgf k|ljlw ;DaGwL hf] vLd, cfly{ s dlGb, aGb x8tfn, zflGt ;'/ Iffdf sdL, bIf hgzlQmsf] cefj cflb r'gf} tLx? klxrfg u/ L ;hstfsf ;fy cuf8L a9\g] gLlt ;+: yfn] lnPsf] 5 . b} lgs ?kdf b] lvg ;Sg] ;+rfng hf] lvd Pjd\ r'gf} ltnfO{ ;fdgf ug{ a} +ssf] sf/ f] af/ sf] b} lgs ljZn] if0f ug] { gLlt Joj: yfkg ;d'xn] lnPsf] 5 .

3_ ;+: yfsf] ;'zf;g M a} +ssf z] o/ wgLx?k|lt ;+rfns ;ldlt tyf Joj: yfkg ;d'x k'0f{ ?kdf hjfkmb] xL / pQ/ bfloTj / x] sf] 5 . o; ljsf;

a} +sn] g] kfn / fi6« a} +saf6 hf/ L lgb] { zg tyf kl/ kq, a} +s tyf ljQLo ;+: yf ;DaGwL P] g tyf sfg'gx?sf] k"0f{ kfngf ub} { cfPsf] 5 . a} +sn] n] vf k/ LIf0f ;ldlt tyf hf] lvd Joj: yfkg ;ldltn] lbPsf ;'emfj tyf lgb] { zgx? ;dodf g} ;'wf/ tyf kfngf ub} { cfPsf] 5 . sd{ rf/ Lx?sf] af} l4s ljsf; tyf Ifdtf clea[ l4sf nflu cfjZos tflndx?df ;+nUg u/ fpg] ul/ Psf] 5 . ;+rfng hf] lvd sd ug{ tyf sfdnfO{ Jojl: yt ug{ a} +ssf] cfGtl/ s gLlt lgodx?nfO{ ;d] t s8fO{ sf ;fy kfngf ug] { u/ fpg] gLlt lnPsf] 5 .



;'hg sfkm\n] P08 P;f] l;P6\;Sujan Kafle & AssociatesChartered Accountants

GPO Box: 20357Daisy Bas, New Plaza, Putalisadak

Tel: 01-4440283E-mail: [email protected]

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

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

z] o/ wgL dxfg'efjx¿,

!= xfdLn] sfdgf ljsf; a} +s lnld6] 8, kf] v/ f sf: sLsf] o;} ;fy ;+nUg @)&) ;fn cfiff9 #! ut] sf] jf;nft tyf ;f] xL ldltdf ;dfKt cfly{ s jif{ sf] gfkmf gf] S;fg lx;fa, gub k|jfx ljj/ 0f / OSjL6Ldf ePsf] kl/ jt{ gsf] n] vfk/ LIf0f u/ L b] xfo adf] lhd k|ltj] bg k] z u/ ] sf 5f} +. ljQLo ljj/ 0fx¿ k|ltsf] pQ/ bfloTj Joj: yfkgdf / x] sf] 5. Joj: yfkgn] tof/ u/ ] sf tL ljQLo ljj/ 0fx? pk/ n] vfk/ LIf0fsf] cfwf/ df cfÇgf] dGtJo hf/ L ug'{ xfd|f] pQ/ bfloTj xf] .

@= xfdLn] n] vfk/ LIf0f ubf{ n] vfsf] ;j{ dfGo l;4fGt, g] kfn n] vfdfg / g] kfn / fi6« a} +sn] hf/ L u/ ] sf] lgb] { zgx¿sf] cfwf/ df ;DkGg u/ ] sf 5f} +. ljQLo ljj/ 0fdf pNn] lvt / sd / v'nfOPsf cGo ljj/ 0fnfO{ k'i6\ofO{ ug{ k|df0fsf] 58\s] k/ LIf0f ;d] t n] vfk/ LIf0fdf ;dfj] z x'G5. sDkgLn] cjnDag u/ ] sf] n] vf l;4fGt, Joj: yfkgn] u/ ] sf] dxŒjk"0f{ cg'dfg Pj+ ljQLo ljj/ 0f k|: t'ltlsf] ;du| l: yltsf] d"Nof°g klg n] vfk/ LIf0fdf ;dfj] z x'G5. n] vfk/ LIf0fn] xfd|f] dGtJonfO{ kof{ Kt cfwf/ k|bfg ug] { s'/ fdf xfdL ljZj: t 5f} +.

#= pk/ f] Qm cg';f/ ljQLo ljj/ 0fx?sf] k/ LIf0f u/ L b] xfo adf] lhd k|ltj] bg k] z ub{ 5f} +Ms_ xfdLn] n] vfk/ LIf0fsf] l;nl;nfdf cfjZos 7fg] sf ;"rgf Pj+ : kli6s/ 0fsf] ;fy} dfu u/ ] sf ljj/ 0fx? oyfzL3| tyf

;Gtf] ifhgs ?kdf k|fKt u¥of} +. ;fy} xfdLn] dfu u/ ] sf zfvfx?sf] ljj/ 0f oBkL : jtgq?kdf n] vk/ LIf0f gul/ Psf] ePtf klg n] vfk/ LIf0fsf] nflu kof{ Kt / x] sf kfof} +.

v_ sDkgLsf] lx;fa lstfa tyf >] : tf k|rlnt sfg'g adf] lhd 7Ls;Fu / flvPsf 5g\. u_ ;+nUg jf;nft, gfkmf gf] S;fg lx;fa tyf gub k|jfx ljj/ 0f sDkgL P] g @)^#, g] kfn n] vfdfg tyf g] kfn / fi6« a} +saf6

tf] lsPsf] 9fFrfdf tof/ ePsf / oL ljj/ 0fx? sDkgLsf] n] vf;Fu 7Ls b'?: t 5g\.

$= xfd|f] ljrf/ df xfdLnfO{ pknAw u/ fPsf] : kli6s/ 0fsf] tyf xfdLn] k|fKt u/ ] sf] ;"rgfsf] cfwf/ df sDkgLsf] ;+nUg cfly{ s ljj/ 0f tyf ;f] xL ;fy ;+nUg ul/ Psf] n] vf;Fu ;DalGwt l6Kk0fLsf ;fy} cWoog ubf{ M

c= ;+nUg jf;nftn] sDkgLn] @)&) ;fn cfiff9 #! sf] cfly{ s cj: yf tyf cf= gfkmf gf] S;fg lx;fa tyf gub k|jfx ljj/ 0fn] pNn] lvt ldltdf ;dfKt cfly{ s jif{ sf] qmdzM gfkmf tyf gub k|jfxsf]

plrt Pj+ oyfy{ lrq0f ub{ 5.

%= xfd|f] ljrf/ df xfdLnfO{ pknAw u/ fPsf] : kli6s/ 0f tyf xfdLn] k|fKt u/ ] sf] ;"rgf tyf xfdLn] u/ ] sf] lx;fa lstfasf] k/ LIf0faf6 sDkgLsf] ;~rfns ;ldlt s'g} ;~rfns jf sd{ rf/ Ln] ,

c= n] vf;Fu ;DalGwt sfg'gL Joj: yf ljk/ Lt sfdsfh u/ ] sf] jf sDkgLsf] a] lx;fa u/ ] sf] jf sDkgLsf] xfgL gf] S;fgL u/ ] sf] jf,

cf= g] kfn / fi6« a} +ssf] lgb] { zg ljk/ Lt sfdsfh u/ ] sf] jf sDkgL jf lgIf] kstf{ x?sf] lxt / ;+/ If0f ljk/ Lt x'g] u/ L sfd u/ ] sf] xfd|f] hfgsf/ Ldf cfPg.

^= xfd|f] ljrf/ df tyf xfdLn] u/ ] sf] lx;fa lstfasf] k/ LIf0faf6 c= sDkgLn] hf] lvd a] xf] g] { sf] ifsf] lgldQ oy] i7 Joj: yf u/ ] sf] 5, tyf cf= sDkgLn] u/ ] sf] sf/ f] jf/ sDkgLsf] clVtof/ L leq / x] sf] b] lvG5.

&= xfd|f] ljrf/ df ;+nUg jf;nft, gfkmf gf] S;fg lx;fa tyf gub k|jfx ljj/ 0fn] qmdzM @)&) cfiff9 d;fGtsf] oyfy{ cj: yf, ;f] xL ldltdf ;dfKt cfly{ s jif{ sf] cfly{ s kl/ 0ffd tyf gub k|jfxsf] plrt Pj+ oyfy{ lrq0f ub{ 5. ;fy} o; ljQLo ljj/ 0fn] g] kfn n] vfdfg -k|rlnt sfg"gn] Joj: yf u/ ] afx] s_, sDkgL P] g @)^#, a} +s tyf ljQLo ;+: yf P] g @)^# tyf g] kfn / fi6« a} +ssf] lgb] { zgsf] kfngf ePsf] 5.

ldlt M @)&).)^.)&: yfg M sf7df08f} .



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

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

1= z] o/ k"+hL 4=1 230, 000, 000.00 200, 000, 000.00

2= hu] *f tyf sf] ifx¿ 4=2 29, 268, 316.70 21, 245, 064.98

3= C)fkq tyf aG* 4=3 – –

4= ltg{ af+sL shf{ { ;fk^ 4=4 – –

5= lgIf] k bfloTj 4=5 2, 098, 722, 536.08 1, 482, 864, 480.79

6= e'QmfgL lbg'kg] { ljnx¿ 4=6 388, 383.96 420, 430.00

7= k|: tflat gub nfef+z 9, 900, 000.00 28, 500, 000.00

8= cfos/ bfloTj 321, 283.91 –

9= cGo bfloTj 4=7 31, 123, 157.40 23, 679, 599.68

s'n k'+hL tyf bfloTj 2, 399, 723, 678.05 1, 756, 709, 575.45

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

1= gub df} Hbft 4=8 33, 296, 027.41 28, 786, 135.08

2= g] kfn / fi^« a} +sdf / x] sf] df} Hbft 4=9 118, 633, 283.56 80, 146, 666.78

3= a} +s÷ljQLo ;+: yfdf / x] sf] df} Hbft 4=10 5, 246, 608.53 3, 843, 356.24

4= dfu tyf cNk ;"rgfdf k|fKt x'g] / sd 4=11 407, 365, 364.60 424, 141, 671.64

5= nufgL 4=12 6, 100, 000.00 31, 000, 000.00

6= shf{ ;fk^ tyf ljn v/ Lb 4=13 1, 785, 765, 357.39 1, 145, 261, 343.91

7= l: y/ ;DklQ 4=14 35, 281, 937.21 33, 853, 770.74

8= u} / a} lsª ;DklQ 4=15 – –

9= cGo ;DklQ 4=16 8, 035, 099.35 9, 676, 631.06

s'n ;DklQ 2, 399, 723, 678.05 1, 756, 709, 575.45

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

;~rfnsx¿sf] #f] if)ff cg";'rL 4=29

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

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

k|d'v ;'rsf°x¿ cg";'rL 4=31

k|d'v n] vf gLltx¿ cg";'rL 4=32

n] vf ;DaGwL l^Kk)fLx¿ cg";'rL 4=33

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

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

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

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

…………………… …………………… …………………… …………………… lji0f' k|;fb uf} td pd] z s'df/ cfrfo{ / fh] Gb|lglw sf] O/ fnf l;P ;'hg s'df/ sfÇn] , Pkm=l;=P= k|d'v n] vf k|d'v sfo{ sf/ L clws[ t cWoIf lg= ;'hg sfÇn] P08 Pzf] l;P6;\ rf6{ 8{ PsfpG6] 06;\ ldlt M @)&)÷)^÷)& …………………… …………………… …………………… v] dgfy e§/ fO{ Ps/ fh hd/ s§] n l/ a axfb'/ yfkf ;~rfns ;~rfns ;~rfns …………………… …………………… …………………… …………………… b] js[ i0f sfÇn] / fdsfhL >] i7 b] jfg u'?ª / fds'df/ lkof ;~rfns ;~rfns ;~rfnsldlt M @)&)÷)^÷)&



…………………… …………………… …………………… …………………… lji0f' k|;fb uf} td pd] z s'df/ cfrfo{ / fh] Gb|lglw sf] O/ fnf l;P ;'hg s'df/ sfÇn] , Pkm=l;=P= k|d'v n] vf k|d'v sfo{ sf/ L clws[ t cWoIf lg= ;'hg sfÇn] P08 Pzf] l;P6;\ rf6{ 8{ PsfpG6] 06;\ ldlt M @)&)÷)^÷)& …………………… …………………… …………………… v] dgfy e§/ fO{ Ps/ fh hd/ s§] n l/ a axfb'/ yfkf ;~rfns ;~rfns ;~rfns …………………… …………………… …………………… …………………… b] js[ i0f sfÇn] / fdsfhL >] i7 b] jfg u'?ª / fds'df/ lkof ;~rfns ;~rfns ;~rfns ;~rfnsldlt M @)&)÷)^÷)&

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

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

1= Jofh cfDbfgL 4=18 258, 779, 416.04 208, 735, 044.78

2= Jofh vr{ 4=19 153, 041, 346.64 131, 054, 957.74

v'b Jofh cfDbfgL 105, 738, 069.40 77, 680, 087.04

3= sldzg tyf l*: sfp)^ 4=20 3, 054, 664.55 2, 428, 921.37

4= cGo ;`rfng cfDbfgL 4=21 20, 832, 698.99 11, 505, 206.04

5= ;^xL #â( cfDbfgL 4=22 1, 778.89 567.87

s'n ;`rfng cfDbfgL 129, 627, 211.83 91, 614, 782.32

6= sd{ rf/ L vr{ 4=23 18, 759, 153.17 12, 987, 766.69

7= cGo ;~rfng vr{ 4=24 24, 076, 737.62 22, 246, 088.48

8= ;^xL #â( gf] S;fgL 4=22 – –

;Defljt gf] S;fgL Joj: yf cl#sf] ;~rfng d'gfkmf 86, 791, 321.04 56, 380, 927.15

9= ;Defljt gf] S;fgL Joj: yfx¿ 4=25 8, 183, 239.84 4, 447, 770.49

;~rfng d'gfkmf 78, 608, 081.20 51, 933, 156.66

10= u} / ;~rfng cfDbfgL÷gf] S;fg 4=26 -36, 519.03_ 73, 341.31

11= ;Defljt gf] S;fgL Joj: yfaf^ lkmtf{ 4=27 – 3, 330, 770.70

lgoldt sf/ f] jf/ af^ ePsf] d'gfkmf 78, 571, 562.17 55, 337, 268.67

12= c;fdfGo sf/ f] jf/ x¿af^ ePsf] d'gfkmf ÷vr{ 4=28 3, 877.52 –

;Dk")f{ sf/ f] jf/ ;dfj] z kl%sf] v'b d'gfkmf 78, 567, 684.65 55, 337, 268.67

13= sd{ rf/ L af] g; Joj: yf 7, 142, 516.79 5, 030, 660.79

14= cfos/ Joj: yf

o; jif{ sf] 21, 737, 385.51 15, 195, 485.56

ut jif{ ;Ddsf] – –

o; aif{ sf] : yug s/ -cfDbfgL_÷vr{ -335, 469.36_ -760, 414.00_

v'b gfkmf÷gf] S;fg 50, 023, 251.71 35, 871, 536.32 4=18 b] lv 4=28 ;Ddsf cg";'rLx¿ gfkmf gf] S;fg lx;fjsf cleGg c+u x'g\ .

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



…………………… …………………… …………………… …………………… lji0f' k|;fb uf} td pd] z s'df/ cfrfo{ / fh] Gb|lglw sf] O/ fnf l;P ;'hg s'df/ sfÇn] , Pkm=l;=P= k|d'v n] vf k|d'v sfo{ sf/ L clws[ t cWoIf lg= ;'hg sfÇn] P08 Pzf] l;P6;\ rf6{ 8{ PsfpG6] 06;\ ldlt M @)&)÷)^÷)& …………………… …………………… …………………… v] dgfy e§/ fO{ Ps/ fh hd/ s§] n l/ a axfb'/ yfkf ;~rfns ;~rfns ;~rfns …………………… …………………… …………………… …………………… b] js[ i0f sfÇn] / fdsfhL >] i7 b] jfg u'?ª / fds'df/ lkof ;~rfns ;~rfns ;~rfns ;~rfnsldlt M @)&)÷)^÷)&

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

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

cfDbfgL

1= ut jif{ ;Ddsf] ;+lrt d'gfkmf 3, 559, 082.35 5, 861, 995.27

2= o; aif{ sf] v"b gfkmf 50, 023, 251.71 35, 871, 536.32

3= ;^xL #â( sf] if – –

hDdf 53, 582, 334.07 41, 733, 531.59

vr{

1= ut jif{ ;Ddsf] ;+lrt gf] S;fg –

2= o; jif{ sf] gf] S;fg – –

3= ;fw/ )f hu] *fsf] if 10, 004, 650.34 7, 174, 307.26

4= e} k/ L cfpg] hu] *f – –

5= ;+: yf ljsf; sf] if – –

6= nfef+z ;dLs/ )f sf] if – –

7= sd{ rf/ L ;DaGwL hu] *fx¿ – –

8= k|: tfjLt nfef+z 12, 000, 000.00 30, 000, 000.00

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

10= ljz] if hu] *f sf] if – –

11= ;^xL #â( sf] iF 444.72 141.97

12= k'+hL lkmtf{ hu] *f sf] if – –

13= k'+hL ;dfof] hg sf] if – –

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

hDdf 52, 005, 095.07 38, 174, 449.23

15= ;l~rt d"gfkmf -gf] S;fg_ 1, 577, 239.00 3, 559, 082.35

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



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

1= gub k|lKt 283, 274, 037.92 223, 200, 356.62 1=1 Jofh cfDbfgL 258, 779, 416.04 208, 735, 044.78 1=2 sldzg tyf l*isfpG^ cfDbfgL 3, 054, 664.55 2, 428, 921.37 1=3 ljb] zL ljlgdo sf/ f] jf/ af^ cfDbfgL 1, 778.89 567.87 1=4 ckn] lvt shf{ sf] c;'nL – – 1=5 cGo cfDbfgL 21, 438, 178.44 12, 035, 822.60 2= gub e'QmfgL 213, 747, 354.24 177, 524, 590.38 2=1 Jofh vr{ 151, 950, 873.65 127, 697, 710.99 2=2 sd{ rf/ L vr{ 17, 797, 880.75 12, 987, 766.69 2=3 sfof{ no ;+rfng vr{ 19, 245, 929.70 17, 604, 289.01 2=4 cfos/ eQmfgL 19, 727, 977.50 15, 195, 485.56 2=5 cGo vr{ 5, 024, 692.64 4, 039, 338.13 sfo{ ut k'+hL ultljlw cl#sf] gub k|jfx 69, 526, 683.68 45, 675, 766.24 ;+rfng ;DaGwL rfn" ;DklQdf sdL ÷ -j[ l¢_ 9, 428, 674.23 9, 847, 614.11 1= dfu tyf cNk ;"rgfdf k|fKt x"g] / sddf sdL ÷ -j[ l¢_ 16, 776, 307.04 -70, 705, 173.69_2= cGo cNksfnLg nufgLdf sdL ÷ -j[ l¢_ 24, 900, 000.00 – 3= shf{ tyf laN; v/ Lbdf sdL ÷ -j[ l¢_ -648, 687, 253.32_ -138, 319, 824.61_4= cGo ;DklQdf sdL ÷ -j[ l¢_ -901, 814.42_ -710, 651.11_;+rfng ;DaGwL rfn" bfloTjdf -sdL_ ÷ j[ l¢ – – 1= lgIf] k bfloTjdf -sdL_ ÷ j[ l¢ 615, 858, 055.29 231, 688, 714.89 2= ;l^{ lkms] ^ ckm l*kf] lh^df -sdL_ ÷ j[ l¢ – – 3= cNksfnLg ;fk^Ldf -sdL_ ÷ j[ l¢ -32, 046.04_ -9, 791, 146.01_4= cGo bfloTjdf -sdL_ ÷ j[ l¢ 1, 515, 425.68 -2, 314, 305.36_sf/ f] jf/ ;+rfngaf^ ePsf] s'n gub k|jfx 78, 955, 357.91 55, 523, 380.35

v= nufgL sf/ f] jf/ df gub k|jfx 1= z] o/ tyf l*a] ~r/ v/ Lb – – 2= z] o/ tyf l*a] ~r/ laqmLaf^ k|fKt / sd – – 3= l: y/ ;DklQ v/ Lb -3, 906, 684.87_ -3, 910, 509.06_4= l: y/ ;DklQ laqmLaf^ k|fKt / sd 82, 000.00 16, 213.87 5= d'¢tL lgIf] k nufgLdf sdL ÷ -j[ l¢_ 6= nfef+z cfDbfgL – 123, 481.23 7= cGo – –

sDKo'^/ ;km\^j] o/ vl/ b -579, 690.00_ -176, 006.90_ ckn] vg ug{ jfsL vr{ df a[ $L – – lnhxf] N* ;DkQLdf j[ l$ -1, 651, 221.63_ -1, 225, 177.89_

nufgL sf/ f] af/ af^ ePsf] s'n gub k|jfx -6, 055, 596.50_ -5, 171, 998.74_u= ljQLo >f] t sf/ f] jf/ af^ gub k|jfx –

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

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

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

ª o; jif{ ;Dk')f{ ultljlwaf^ gub k|jfx -s±v±u±#_ 44, 399, 761.41 21, 851, 381.61 r= gub tyf a} +sdf / x] sf] z'? df} Hbft 112, 776, 158.10 90, 924, 776.51 %= gub tyf a} +sdf / x] sf] clGtd df} Hbft 157, 175, 919.50 112, 776, 158.10

xfd|f] cfhsf] ldltdf ;+nUg k|ltj] bgsf] cfwf/ df …………………… …………………… …………………… …………………… lji0f' k|;fb uf} td pd] z s'df/ cfrfo{ / fh] Gb|lglw sf] O/ fnf l;P ;'hg s'df/ sfÇn] , Pkm=l;=P= k|d'v n] vf k|d'v sfo{ sf/ L clws[ t cWoIf lg= ;'hg sfÇn] P08 Pzf] l;P6;\ rf6{ 8{ PsfpG6] 06;\ ldlt M @)&)÷)^÷)& …………………… …………………… …………………… v] dgfy e§/ fO{ Ps/ fh hd/ s§] n l/ a axfb'/ yfkf ;~rfns ;~rfns ;~rfns …………………… …………………… …………………… …………………… b] js[ i0f sfÇn] / fdsfhL >] i7 b] jfg u'?ª / fds'df/ lkof ;~rfns ;~rfns ;~rfns ;~rfnsldlt M @)&)÷)^÷)&

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



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

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

cg';"rL $=!

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

1= z] o/ k"“hL

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

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

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

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

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

s_ 20, 00, 000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100.00 n] 200, 000, 000.00 200, 000, 000.00



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

s_ 20, 00, 000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100.00 n] 200, 000, 000.00 200, 000, 000.00



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

1=5 sN; Og P*efG;

1=6 hDdf / sd-1=3±1=4±1=5_ 230, 000, 000.00 200, 000, 000.00

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

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

sf] if k'+hLut hu] *f

z] o/ lk|ldod

;^xL #â( sf] if

: yug s/ hu] *f

nufgL ;dfof] hg sf] if

s'n / sd

z"? Dff} Hbft 200, 000, 000.00 3, 559, 082.35 16, 684, 472.69 – – 1, 509.94 - 1, 000, 000.00 221, 245, 064.98

: yug s/

;dfof] lht z'? df} Hbft

;dfof] hg

z] o/ k+'hLdf j[ lå 30, 000, 000.00 -30, 000, 000.00_ –

o; cf= a= sf] v'b gfkmf 50, 023, 251.71 50, 023, 251.71

;fwf/ )f hu] *f sf] ifdf ;f/ ] sf] -10, 004, 650.34_ 10, 004, 650.34 –

;^xL #â( sf] if -444.72_ 444.72 –

k|: tfjLt nfef+z -12, 000, 000.00_ -12, 000, 000.00_

nufgL ;dfof] hg sf] if – –

clGtd df} } Hbft 230, 000, 000.00 1, 577, 239.00 26, 689, 123.03 – – 1, 954.66 – 1, 000, 000.00 259, 268, 316.70



qm=;+ z] o/ wgLsf] gfd k|ltzt z] o/ lsQf / sd ?= 1 u)f] z axfb'/ >] i& 4=25 85000 8, 500, 000.00 2 rs|kf)fL af: tf] nf 4=01 80130 8, 013, 000.00 3 nIdL b] jL u'?ª 3=46 69250 6, 925, 000.00 4 l/ a axfb'/ yfkf 2=95 59070 5, 907, 000.00 5 uf] kL gfy a/ fn 2=63 52500 5, 250, 000.00 6 e/ t / fh sf] O/ fnf 2=63 52500 5, 250, 000.00 7 / fh] Gb|lglw sf] O/ fnf 2=43 48500 4, 850, 000.00 8 / ZdL kf} *] n 2=30 46000 4, 600, 000.00 9 lbksnfn jf^fh' 2=00 40000 4, 000, 000.00 10 rt'/ fv/ clwsf/ L 1=83 36500 3, 650, 000.00 11 *Dd/ axfb'/ yfkf 1=81 36250 3, 625, 000.00 12 Ps/ fh hd/ s§] n 1=77 35375 3, 537, 500.00 13 ab|Lgfy k/ fh'nL 1=76 35250 3, 525, 000.00 14 afa'/ fd hd/ s§] n 1=66 33125 3, 312, 500.00 15 b] js[ i)f sfkm\n] 1=58 31688 3, 168, 800.00 16 lai)f'/ fh k/ fh'nL 1=35 27000 2, 700, 000.00 17 zDe'nfn >] i& 1=33 26625 2, 662, 500.00 18 led k|;fb u'?ª 1=31 26250 2, 625, 000.00 19 cGh' u'?ª 1=31 26250 2, 625, 000.00 20 / fh] g u'?ª 1=31 26250 2, 625, 000.00 21 ;"o{ gf/ fo)f nfld%fg] 1=31 26250 2, 625, 000.00 22 / Gh' s'df/ L u'?ª 1=31 26250 2, 625, 000.00 23 nIdL b] jL kf)*] 1=31 26250 2, 625, 000.00 24 ;/ f: jtL u'?ª 1=31 26250 2, 625, 000.00 25 ;'dg l#ld/ ] 1=23 24625 2, 462, 500.00 26 ZffGt s'df/ >] i& 1=16 23125 2, 312, 500.00 27 k/ z'/ fd sf] O/ fnf 1=11 22125 2, 212, 500.00 28 / laGb|gfy e§/ fO{ 1=02 20438 2, 043, 800.00 29 w|'j / ] UdL 1=46 29170 2, 917, 000.00 30 v] dgfy e§/ fO{ 0=72 14375 1, 437, 500.00 31 ljsf; afa' aflgof 0=72 14330 1, 433, 000.00 32 ?SdLlg a: g] t 0=71 14160 1, 416, 000.00 33 nlntd)fL (sfn 0=67 13340 1, 334, 000.00 34 nIdL e§/ fO{ 0=66 13250 1, 325, 000.00 35 lzj k|;fb Gof} kfg] 0=66 13126 1, 312, 600.00 36 blw/ fh clwsf/ L 0=66 13125 1, 312, 500.00 37 a;Gtk|;fb k/ fh'nL 0=66 13125 1, 312, 500.00 38 cUgLw/ k/ fh'nL 0=66 13125 1, 312, 500.00 39 u)fktL cf] emf 0=66 13125 1, 312, 500.00 40 lggf s'df/ L >] i& 0=65 12900 1, 290, 000.00 41 lai)f' k|;fb uf} td 0=58 11500 1, 150, 000.00 42 / fh] Gb| cf] emf 0=56 11125 1, 112, 500.00 43 *f= cf] d k|sfz zdf{ 0=53 10500 1, 050, 000.00 44 k|f=*f= a] bgfy zdf{ 0=53 10500 1, 050, 000.00 45 *f= g/ x/ L pkfWofo uf} td 0=53 10500 1, 050, 000.00 46 Zofd k|;fb dNn 0=50 10000 1, 000, 000.00 47 lgn / fh e§/ fO{ 0=50 10000 1, 000, 000.00

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



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

∞ z] o/ k"“hL z] o/ k"“hL ∞ 1= : jb] zL : jfldTj 200, 000, 000.00 200, 000, 000.00 1=1 g] kfn ;/ sf/ – – – – 1=2 a} b] lzs ;+: yf – – – – 1=3 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿ – – – – 1=4 cGo Ohfhtkq k|fKt ;+: yfx¿ – – – – 1=5 cGo ;+: yfx¿ – – 1=6 JolQmut 100 200, 000, 000.00 200, 000, 000.00 100 1=7 cGo – – – 2= a} b] lzs : jfldTj – – – –

hDdf 100 200, 000, 000.00 200, 000, 000.00 100

z] o/ : jfldTj

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

cg';"rL $=@


1= ;fwf/ )f hu] *f sf] if 26, 689, 123.03 16, 684, 472.69

2= k+"hLut hu] *f sf] if – –

3= k|: tfljt jf] g; z] o/ – –

4= Soflk^n l/ l*Dk;g l/ he{ – –

5= k+"hL ;dfof] hg sf] if – –

6= cGo hu] *f tyf sf] if – –

s= e} k/ L cfpg] hu] *f – –

v= ;+: yf ljsf; sf] if – –

u= nfef+z ;lds/ )f sf] if – –

#= ljz] if hu] *f sf] if – –

ª= ;DklQ k'gd"Nof°g sf] if – –

r= cGo : jtGq sf] if 1, 000, 000.00 1, 000, 000.00

%= cGo hu] *f sf] if 1, 954.66 1, 509.94

7= ;l~rt gfkmf÷gf] S;fg 1, 577, 239.00 3, 559, 082.35

8= ;^xL #â( sf] if – –

hDdf 29, 268, 316.70 21, 245, 064.99



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

cg';"rL $=#

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

cg';"rL $=$


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

– –

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

– –

3= ======== ========= – –

hDdf -1 ± 2 ± 3_ – –


s= : jb] zL

1= g] kfn ;/ sf/ – –

2= g] kfn / fi^« a} +s – –

3= l/ kf] bfloTj – –

4= cGt/ a} +s tyf ljQLo ;+: yf – –

5= cGo ;+ul&t ;+: yfx¿ – –

6= cGo – –

hDdf – –

v= ljb] zL

1= a} +sx¿ – –

2= cGo – –

hDdf – –

hDdf -s ± v_ – –



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

cg';"rL $=%


1= Jofh ltg'{ gkg] { vftfx¿ 28, 049, 833.70 26, 025, 690.80

s= rNtL lx;fj 28, 221, 301.16 26, 025, 690.80

1= : jb] zL d'b|fdf

1=1 g] kfn ;/ sf/ – –

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

1=3 cGo Ohfhtkq k|fKt ljQLo ;+: yfx¿ 1, 485, 483.49 1, 644, 037.99

1=4 cGo ;+ul&t ;+: yfx¿ 14, 881, 649.31 13, 082, 768.58

1=5 JolQmut 11, 854, 168.36 11, 298, 884.23

1=6 cGo –

2= ljb] zL d'b|fdf

2=1 g] kfn ;/ sf/ – –

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

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

2=4 cGo ;+ul&t ;+: yfx¿ – –

2=5 JolQmut – –

2=6 cGo – –

v= dflh{ g –

1= sd{ rf/ L hdfgt – –

2= hdfgt dflh{ g – –

3= k|lttkq dflh{ g – –

u= cGo

1= : jb] zL d'b|fdf

1=1 ljQLo ;+: yfx¿ – –

1=2 cGo ;+ul&t ;+: yfx¿ – –

1=3 JolQmut – –

2= ljb] zL d'b|fdf

2=1 ljQLo ;+: yfx¿ – –

2=2 cGo ;+ul&t ;+: yfx¿ – –

2=3 JolQmut – –

Jofh ltg'{ gkg] { vftfx¿sf] hDdf 28, 221, 301.16 26, 025, 690.80

2= Jofh ltg'{ kg] { vftfx¿ 2, 070, 501, 234.92 1, 456, 838, 789.99

s= jrt lx;fa 1, 152, 544, 570.54 825, 612, 297.11

1= : jb] zL d'b|fdf 1, 152, 544, 570.54 825, 612, 297.11

1=1 ;+# ;+: yfx¿

1=2 JolQmut 1, 152, 544, 570.54 825, 612, 297.11

1=3 cGo – –

2= ljb] zL d'b|fdf



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

cg';"rL $=^


2=1 ;+# ;+: yfx¿ – –

2=2 JolQmut – –

2=3 cGo – –

v= d'$tL lx;fa 545, 849, 791.50 406, 387, 256.75

1= : jb] zL d'b|fdf 545, 849, 791.50 406, 387, 256.75

1=1 ;+# ;+: yfx¿ 117, 810, 756.00 327, 086, 704.75

1=2 JolQmut 428, 039, 035.50 79, 300, 552.00

1=3 cGo –

2= ljb] zL d'b|fdf

2=1 ;+# ;+: yfx¿ – –

2=2 JolQmut – –

2=3 cGo – –

u= dfu] sf] avt ltg'{ kg] { lx;fa 372, 106, 872.88 224, 839, 236.13

1= : jb] zL d'b|fdf 372, 106, 872.88 224, 839, 236.13

1=1 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿

1=2 cGo Ohfhtkq k|fKt ljQLo ;+: yfx¿ 41, 544, 694.87 132, 987, 379.98

1=3 cGo ;+ul&t ;+: yfx¿ 330, 562, 178.01 91, 851, 856.15

1=4 JolQmut –

1=5 cGo – –

2= ljb] zL d'b|fdf

2=1 s ju{ sf Ohfhtkq k|fKt ;+: yfx¿

2=2 cGo Ohfhtkq k|fKt ljQLo ;+: yfx¿

2=3 cGo ;+ul&t ;+: yfx¿

2=4 JolQmut

2=5 cGo

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

1= ;+ul&t ;+: yf – –

2= JolQmut – –

3= cGo – –

Jofh ltg'{ kg] { vftfx¿sf] hDdf 2, 070, 501, 234.92 1, 456, 838, 789.99

-1 ± 2_ hDdf lgIf] k 2, 098, 722, 536.08 1, 482, 864, 480.79


1= : jb] zL d'b|f 388, 383.96 420, 430.00

2= ljb] zL d'b|f – –

hDdf 388, 383.96 420, 430.00



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

cg';"rL $=&

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

cg';"rL $=*

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

cg';"rL $=(


1= k] G;g÷pkbfg sf] if 422, 500.00 –

2= sd{ rf/ L ;`ro sf] if – –

3= sd{ rf/ L sNof)f sf] if 192, 463.22 102, 482.11

4= sd{ rf/ L jf] g; Joj: yf 7, 142, 516.79 5, 030, 660.79

5= lgIf] kdf e'QmfgL lbg af+sL Jofh 9, 704, 840.32 8, 614, 367.33

6= ;fk^Ldf e'QmfgL lbg af+sL Jofh – –

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

8= ;)*«L qm] l*^;{ 6, 141, 565.59 3, 407, 962.87

9= zfvf ldnfg lx;fj – –

10= : yug s/ bfloTj 140, 577.94 476, 047.32

11= e'QmfgL lbg af+sL nfef+z 296, 370.00 338, 437.50

12= cGo – –

s= Jofhs/ 3, 216, 837.25 2, 817, 274.29

v= n] vf kl/ If)f z'Ns 89, 200.00 161, 675.00

u= sd{ rf/ L ljbf jfktsf] / sd 1, 675, 086.29 1, 226, 294.98

#= nfef+zdf s/ 2, 100, 000.00 1, 500, 000.00

ª n] vfk/ LIf)f z"Nsdf s/ 1, 200.00 2, 175.00

r= #/ ef*fdf s/ – 2, 222.50

hDdf 31, 123, 157.40 23, 679, 599.68

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

ljb] zL d'b|f -?=df_s'n ?=

ut jif{ ?=ef=?= kl/ jTo{ lj=d'=

1= g] kfn / fi^«« a} +s 118, 633, 283.56 118, 633, 283.56 80, 146, 666.78

s= rNtL vftf – – – – –

v= cGo vftf – – – – –

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

1= : jb] zL d'b|f -l;Ssf ;d] t_ 33, 267, 103.69 28, 504, 892.71

2= ljb] zL d'b|f 28, 923.72 281, 242.37

hDdf 33, 296, 027.41 28, 786, 135.08



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

cg';"rL $=!)

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

cg';"rL $=!!

nufgL@)&) ;fn cfiff9 d;fGt

cg';"rL $=!@

ljj/ )f : jb] zL

d'b|f

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

s'n ?=

ut aif{ ?=

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

lj=d'= hDdf

1= : jb] zL Ohfhtkq k|fKt ;+: yfx¿ 5, 246, 608.53 5, 246, 608.53 3, 843, 356.24

s= rNtL vftf 5, 246, 608.53 – – 5, 246, 608.53 3, 843, 356.24

v= cGo vftf – – – – –

2= ljb] zL a} +sx¿

s= rNtL vftf – – – – – –

v= cGo vftf – – – – – –

hDdf 5, 246, 608.53 – – – 5, 246, 608.53 3, 843, 356.24 gf] ^ M ;DalGwt Ohfhtkq k|fKt ;+: yfx¿sf] ;dy{ gkq cg";f/ sf] s'n df} Hbft ?= 5, 288, 705.30


1= : jb] zL d'b|fdf 407, 365, 364.60 424, 141, 671.64

2= ljb] zL d'b|fdf – –

hDdf 407, 365, 364.60 424, 141, 671.64

ljj/ )f k|of] hg

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

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

2= g] kfn ;/ sf/ sf] jrtkq – – – –

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

4= g=/ f=a} +s C)fkq – – – –

5= lab] zL C)fkq – – – –

6= : jb] zL Ohfhtkq k|fKt ;+: yf – – – 30, 000, 000.00

7= lab] zL a} +s – – – –

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

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

10= cGo nufgL – – – –

s'n nufgL 5, 100, 000.00 1, 000, 000.00 6, 100, 000.00 31, 000, 000.00

Joj: yf – –

v'b nufgL 5, 100, 000.00 1, 000, 000.00 6, 100, 000.00 31, 000, 000.00



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

cg';"rL $=!@ -s_

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

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

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

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

1, 000, 000.00 – – 1, 000, 000.00

1=2

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

100, 000.00 – – –

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

5, 000, 000.00

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

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

– – – –

s'n Joj: yf 6, 100, 000.00 – – 1, 000, 000.00 3= hf] lvd ;DaGwL Joj: yf3=1 ut jif{ ;Ddsf] Joj: yf – – – – 3=2 o; jif{ sf] yk÷#^ – – – –

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

ljj/ )f k/ n d"No

kl%Nnf] ahf/

d"No

xfnsf] ahf/

d"No

o; aif{

gfkmf÷-

gf] S;fg_/ sd

ut aif{

gfkmf÷-gf] S;fg_

/ sd s} lkmot

-s_ -v_ -v – s_

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

7= : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8= : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)* 6, 100, 000.00 9= ljb] zL a} +s nufgL (Placement)10= Interbank Lending11= cGo nufgL

s"n nufgL 6, 100, 000.00



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

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

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

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

ljj/ )fk/ n d"No

xfn;Ddsf]

Iflt / sd

o; jif{ sf]

Iflt / sd

o; jif{ sf]

gfkmf÷gf] S;fg

/ sd

ut jif{

gfkmf÷gf] S;fg

/ sd s} lkmot

-s_ -v_ -u_ -s – v – u_


7= : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8= : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)*9= ljb] zL a} +s nufgL (Placement)10= cGo nufgL

s'n nufgL

ljj/ )fk/ n d"No

kl%Nnf] ahf/ d"No-s_

xfnsf] ahf/ d"No-v_

o; jif{ sf] ut jif{

s} lkmot ;dfof] hg / sd -v – s_

gfkmf÷-gf] S;fg_ / sd


7= : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8= : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)*9= ljb] zL a} +s nufgL (Placement)10= cGo nufgL

s'n nufgL



ljj

/ )f

shf{

vl/

b ty

f l*

: sfp

G^ u

l/ Ps

f lan

o; a

if{

?=

ut a

if{

?=

: jb] z

L

ljb] z

L h

Ddf

: jb

] zL

ljb

] zL

hDd

f ljk

Gg j

u{ c

Go

ljldt

c

ljld

t

1=

;lqmo s

hf{ ;f

k^

59, 257

, 171

.31

1, 74

4, 576

, 957

.23

1, 803

, 834

, 128

.54

1, 803

, 834

, 128

.54

1, 157

, 675

, 584.54

1=1 c

;n

59, 257

, 171

.31

1, 74

4, 576

, 957

.23

–1,

803

, 834

, 128

.54

––

–1,

803

, 834

, 128

.54

1, 157

, 675

, 584.54

––

––

––

––

– –

2=

lgl: q

mo s

hf{ ;f

k^

–99

, 161

.85

3, 21

9, 98

7.63

–3,

319,

149.48

––

–3,

319,

149.48

790

, 440.16

2

=1 k

'g/ ;+/

rgf u

l/ Ps

f 2

=2 s

d;n

–44, 4

33.96

2, 875

, 440.22

–2,

919,

874

.18

––

–2,

919,

874

.18

352

, 366

.05

2=3 z

+sf: k

b –

3587.96

343,

387.41

–34

6, 97

5.37

––

–34

6, 97

5.37

–

2=4

v/ fa

–51

, 139

.93

1, 16

0.00

–52

, 299

.93

––

–52

, 299

.93

438

, 074

.11

s=

s'n s

hf{

59, 356

, 333

.16

1, 74

7, 79

6, 94

4.8

6–

1, 807

, 153

, 278

.02

––

–1,

807

, 153

, 278

.02

1, 158

, 466

, 024

.70

3=

shf{ gf] S;

fgL Jo

j: yf

3

=1 c

;n

592,

571.71

17, 4

45,

769.57

–18

, 038

, 341.29

––

–18

, 038

, 341.29

11,

576,

755.85

3=2 k

'g/ ;+/

rgf u

l/ Ps

f –

––

––

––

––

–

3=3 s

d;n

–11

, 108

.49

718, 8

60.06

–72

9, 96

8.55

––

–72

9, 96

8.55

88, 0

91.51

3=4

z+sf: k

b –

1, 79

3.98

171,

693.71

–17

3, 487.69

––

–17

3, 487.69

–

3=5

v/ fa

–51

, 139

.93

1, 16

0.00

–52

, 299

.93

––

–52

, 299

.93

438

, 074

.11

3=6 y

k shf{ Jo

j: yf

–

2, 39

3, 823

.18

2, 39

3, 823

.18

2, 39

3, 823

.18

1, 101

, 759

.32

v=

s'n Joj

: yf

656,

614.11

20, 731

, 306

.52

–21

, 387,

920.63

––

–21

, 387,

920.63

13,

204, 680.79

4=

ut

jif{ ;

Ddsf] Jo

j: yf

4

=1 c

;n

–35

6, 15

4.918

11, 220

, 600

.93

–11

, 576

, 755

.85

––

–11

, 576

, 755

.85

10,

188, 583.28

4

=2 k'g

/ ;+/ r

gf u

l/ Ps

f –

––

––

––

––

–

4=3 s

d;n

–88, 0

91.51

–88, 0

91.51

––

–88, 0

91.51

180,

489.85

4=4

z+sf: k

b –

––

––

––

– 7

4, 637

.60

4=5

v/ fa

–81,

335.51

356,

738.60

–438

, 074

.11

––

–438

, 074

.11

416

, 637

.90

4=6 y

k shf{ Jo

j: yf

1,

101,

759.32

1, 10

1, 75

9.32

1, 10

1, 75

9.32

1, 227

, 332

.37

u=

ut

jif{ s

f] s'n Joj

: yf

–437

, 490

.43

12, 767

, 190

.36

–13

, 204

, 680.79

––

–13

, 204

, 680.79

12,

087,

681.00

#=

ut

aif{ s

f] Ao

j: yf

jf^ lkmtf{

––

––

––

––

– 3

, 330

, 770

.70

ª

o;

aif{ s

f] yk

Joj

: yf

219,

123.69

7, 96

4, 116

.15

8, 183,

239.84

8, 183,

239.84

1, 116

, 999

.79

o;

jif{ s

f] s'n Yfk#^

–21

9, 12

3.69

7, 96

4, 116

.15

–8, 183,

239.84

––

–8, 183,

239.84

4, 4

47,

770.49

v"b

shf{

–58

, 699

, 719

.05

1, 72

7, 06

5, 63

8.34

–1,

785,

765,

357.39

––

–1,

785,

765,

357.39

1, 145,

261,

343.91

shf

{ ;fk6

tyf lan

vl/

b ju

L{ s/ 0

f /

;f] sf] nf

lu Joj

: yf

@)&)

;fn

cfiff9 d

;fGt

cg

';"rL $=!#



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

cg';"rL $=!# -s_


s_ ;'/ lIft 1, 807, 153, 278.02 1, 158, 466, 024.70

1= rn÷crn ;DklQsf] ;'/ If)fdf 1, 779, 360, 802.20 1, 133, 302, 968.16

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

3= ;/ sf/ L hdfgtdf – –

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

5= lgof{ t sfuhft sf] ;'/ If)fdf – –

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

s= ;+: yfsf] cfkm\g} d'@tL / ;Lbsf] ;'/ If)f 20, 029, 328.77 18, 061, 333.37

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

7= ;/ sf/ L C)fkqsf] ;'/ If)fdf – –

8= sfp)^/ hdfgtdf – –

9= JolQmut hdfgtdf 6, 601, 147.05 5, 709, 723.17

10= cGo ;'/ If)fdf 1, 162, 000.00 1, 392, 000.00

v_ c;'/ lIft – –

hDdf 1, 807, 153, 278.02 1, 158, 466, 024.70



l: y/

;DklQ

@)&)

;fn

cfiff9 d

;fGt

cg

';"rL $=!$

ljj/ )

f

;

DklQ

o; a

if{ ?=

?ut

aif{

?=ej

gkl/

jxg

;fwg

d] zLg/

L sf

of{ no

;fdf

gcG

o

b/

15∞

10∞

15∞

1= k/

ndf] n

s= u

t jif

{ sf] d

f} Hbft

– 4

, 974,

940.0

0 –

22, 0

37, 78

1.55

2, 06

3, 424

.33

29, 0

76, 14

5.88

25, 2

60, 4

66.68

v= o

; jif

{ yk

– 2

91, 15

0.00

– 3

, 615, 5

34.8

7 –

3, 90

6, 684

.87

3, 91

0, 509

.06

u= o

; jif

{ k"gd

"{ Nof°g

÷k'gn

] { vg –

– –

– –

– 3

, 413

.86

#= o

; jif

{ sf] lj

qmL –

125

, 050.0

0 –

116

, 168.

20

– 2

41, 21

8.20

9

1, 416

.00

~= o

; jif

{ sf] c

kn] vg

– –

– –

– –

–

s'n -s

® v

® u®

# ®

ª_ k

/ ndf

] n –

5, 14

1, 040

.00

– 2

5, 537

, 148.

22

2, 06

3, 424

.33

32, 7

41, 61

2.55

29, 0

76, 14

5.88

2= x|f;

s^\^L

s= u

t jif

{ ;Dd

sf]

– 1

, 579, 2

29.16

–

7, 16

0, 226

.92

733

, 683.1

1 9

, 473

, 139.1

9 6

, 251, 5

12.59

v= o

; jif

{ sf]

– 5

45, 68

5.47

– 2

, 527, 6

13.03

2

01, 00

7.04

3, 27

4, 30

5.54

3, 25

0, 102

.68

u= x

|f;s^

\^L k'g

d{ "Nof°

g÷k'g

n] { vg

– –

– –

– –

–

#= o

; jif

{ sf] lj

qmL –

65, 6

88.8

3 –

47, 1

64.67

–

112

, 853

.50

28,

476.0

8

*= o

; jif

{ sf] c

kn] vg

– –

r= x

|f;s^

\^Lsf] /

sd ;

dfof] h

g÷lkm

tf{ –

– –

– –

– –

s'n x

|f;s^

\^L –

2, 05

9, 225

.80

– 9

, 640, 6

75.28

9

34, 69

0.15

12, 6

34, 59

1.23

9, 4

73, 13

9.19

3= a's

Eofn

' –

3, 08

1, 814

.20

– 1

5, 896

, 472

.94

1, 12

8, 73

4.18

2

0, 107

, 021.3

2 1

9, 603

, 006.6

9

4= h

Uuf

– –

– –

– 1

0, 046

, 400

.00

10, 0

46, 4

00.00

5= k

"+hLut

lgdf

{ )F -k+'h

Ls/ )

f ul/ g

'kg] { _

– –

– –

– –

–

6= nL

hxf] N*

;Dk

lQ –

– –

– –

5, 12

8, 51

5.89

4, 20

4, 36

4.05

hDdf

-3 ±

4 ±

5 ±

6_

– 3

, 081, 8

14.20

–

15, 8

96, 4

72.94

1

, 128,

734.

18

35, 2

81, 93

7.21

33, 8

53, 77

0.74



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

cg';"rL $=!%

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

cg';"rL $=!^

C)FL jf kf^L{ sf]

gfd &] ufgf

u} / a} +lsª ;DklQ

;sf/ u/ ] sf] ldlt

s'n u} / a} +} lsª

;DklQ / sd ?=

gf] S;fgL Joj: yf

k|ltzt

/ sd ?= v'b u} / a} } +lsª

;DklQ ?=

ut jif{

?=

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

– – – – – – –

s"n hDdf – – – – – –


1= d;nGb df} Hbft 344, 156.60 537, 749.19

2= nufgLdf c;'n ug{ af+sL cfDbfgL – 605, 479.45

3= shf{ df c;'n ug{ af+sL Jofh 12, 730, 632.52

Go'g Jofh d'NtjL / sd 12, 730, 632.52 –

4= c;'n ug{ af+sL sldzg – –

5= ;G*«L *] ^;{ 1, 574, 644.02 3, 193, 738.56

6= sd{ rf/ L ;fk^L / k] ZsL – –

7= clu|d e'QmfgL 330, 204.88 345, 957.10

8= dfu{ : y gub – –

9= dfu{ : y cGo -r] s ;d] t_ – –

10= ljgf ;"rgf *«fkm\^sf] e'QmfgL – –

11= ckn] vg x'g af+sL vr{ 1, 981, 557.47 2, 231, 300.06

12= zfvf ldnfg lx;fj – –

13= : yug s/ ;DkQL

14= cGo – –

s= w/ f} ^L 54, 497.50 51, 235.12

v= clu|d cfos/ 0.00 1, 688, 124.10

u= cGo 3, 750, 038.88 1, 023, 047.49

hDdf 8, 035, 099.35 9, 676, 631.06



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

cg';"rL $=!^ -s_

;Defljt bfloTjx¿@)&) ;fn cfiff9 d;fGt

cg';"rL $=!&

ljj/ )f

o; aif{ ?= ut aif{ ?=

1 jif{ ;Dd1 jif{ b] lv dfly

3 jif{ ;Dd

3 jif{ eGbf

dflyhDdf

1= shf{ df c;'n ug{ af+sL Jofh 12, 730, 632.52 – – 12, 730, 632.52 10, 833, 687.75

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

3= zfvf ldnfg lx;fj – – – – –

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


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

2= k|lttkqx¿ -k'/ f / sd_

s_ 6 dlxgf eGbf sd cjlwsf] – –

v_ 6 dlxgf eGbf al( cjlwsf] – –

3= k"gM l*: sfpG^ ul/ Psf ljnx¿ – –

4= Dofb gfl# g;s] sf] Uof/ ] G^L÷j)*

s_ lj* j)*

v_ k/ km/ d] G; j)* 10, 150, 000.00 4, 700, 000.00

u_ cGo Uof/ ] G^L÷j)*

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

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

7= sn] S;gdf / x] sf ljnx¿ – –

8= d~h'/ L tyf ;dy{ g – –

9= k|Tofe'tL k|ltj$tf – –

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

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

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

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

14= cfos/ jfkt ;Defljt bfloTj – –

15= cGo – –

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

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



Jofh cfDbfgL @)&) ;fn cfiff9 d;fGt

cg';"rL $=!*


s= shf{ ;fk^ / clwljsif{ df 234, 240, 421.84 176, 608, 228.93

1= shf{ ;fk^ 187, 468, 098.42 145, 580, 051.98

2= clwljsif{ 46, 772, 323.42 31, 028, 176.95

v= nufgLdf

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

s_ ^] «h/ L ljN; – –

v_ ljsf; C)fkq – –

u_ / fli^«o jrtkq – –

2= ljb] zL C)fkq

s_ – –

v_ – –

3= g] kfn / fi^« a} +ssf] C)fkq – –

4= l*j] `r/ tyf j)*

5= cGt/ j} +s nufgLdf Aofh 24, 538, 994.20 32, 126, 815.85

s_ j} +} +s÷ljQLo ;+: yfx¿ 24, 538, 994.20 32, 126, 815.85

v+_ cGo ;+: yfx¿ – –

u= Ph] G;L df] } Hbftdf

1= : jb] zL j} +s÷ljQLo ;+: yfx¿ – –

2= ljb] zL j} +sx¿ – –

#= dfu tyf cNk;"rgfdf k|FKt x'g] df} Hbftdf

1= : jb] zL j} +s÷ljQLo ;+: yfx¿ –

2= ljb] zL j} +sx¿ – –

ª= cGodf

1= ;l^{ kmLs] ^ ckm l*kf] lh^ – –

2= cGt/ j} +s÷ljQLo ;+: yf shf{ – –

3= cGo – –

hDdf 258, 779, 416.04 208, 735, 044.78



Jofh vr{ @)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=!(


s= lgIf] k bfloTjdf

1= d'@tL lgIf] k

1=1 : jb] zL d'b|f 56, 502, 876.32 43, 461, 975.75

1=2 ljb] zL d'b|f – –

2= jrt lgIf] k –

2=1 : jb] zL d'b|f 84, 221, 484.37 77, 536, 628.48

2=2 ljb] zL d'b|f – –

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

3=1 : jb] zL d'b|f 12, 316, 985.95 9, 968, 956.25

3=2 ljb] zL d'b|f – –

4= ;l^{ lkms] ^ ckm l*kf] lh^;\ – –

v= shf{ ;fk^df –

1= C)fkq tyf j)* – –

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

3= cGt/ j} +s÷ljQLo ;+: yf shf{ – 87, 397.26

4= cGo ;+|ul&t ;+: yf – –

5= cGo shf{ – –

u= cGodf – –

1 ================ – –

2= ===================== – –

hDdf 153, 041, 346.64 131, 054, 957.74



sldzg tyf l8: sfp06@)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@)

cGo ;~rfng cfDbfgL@)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@!


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

1= : jb] zL – –

2= ljb] zL – –

v= sldzg

1= k|lttkq – –

2= hdfgtkq 88, 250.00 93, 640.00

3= sn] S;g lkm – –

4= / ] ld^] G; lkm 2, 761, 706.73 2, 248, 744.83

5= qm] l*^ sf*{ – –

6= z] o/ k|Tofe'lt÷lgisfzg – –

7= ;/ sf/ L sf/ f] jf/ jfkt – –

8= ladf sldzg jfkt 35, 704.93 11, 511.46

9= j§f cfDbfgL 1, 108.25 1, 596.90

u= cGo 167, 894.64 73, 428.18

hDdf 3, 054, 664.55 2, 428, 921.37


1= ;] ] km l*kf] lh^ eN^sf] ef*f 171, 500.00 122, 000.00

2= qm] l*^sf*{ lgisfzg tyf gljs/ )f – –

3= P=l^=Pd= sf*{ lgisfzg tyf gljs/ )f 191, 200.00 101, 700.00

4= ^] n] S;\÷l^=l^= – –

5= ;] jf z'Ns 15, 092, 458.91 7, 537, 257.39

6= gljs/ )f z'Ns 1, 907, 880.00 1, 989, 379.00

7= cGo 3, 469, 660.08 1, 754, 869.65

hDdf 20, 832, 698.99 11, 505, 206.04



;6xL 36a9 cfDbfgL÷gf] S;fg@)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@@

sd{ rf/ L vr{ @)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@#


s_ ljlgdo b/ df ePsf] km/ saf^ – –

v_ ljb] zL d'b|f sf/ f] af/ af^ -a^\^f afx] s_ 1, 778.89 567.87

hDdf cfDbfgL÷-gf] S;fg_ 1, 778.89 567.87


1= tnj 9, 945, 389.07 7, 771, 967.91

2= eQf 5, 957, 674.22 3, 515, 049.94

3= ;`rosf] ifdf yk 946, 569.31 730, 588.67

4= tflnd vr{ 43, 290.00 111, 010.00

5= kf] zfs 399, 895.50 344, 804.17

6= cf} ifwf] krf/ – –

7= jLdf 143, 300.53 –

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

9= cGo – –

s = labf jfktsf] / sd 900, 534.54 514, 346.00

hDdf 18, 759, 153.17 12, 987, 766.69



cGo ;~rfng vr{ @)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@$

ljj/ )f o; aif{ ?= ut aif{ ?= 1= #/ ef*f 3, 580, 593.45 3, 058, 419.02 2= aQL lah"nL / kfgL 790, 868.34 596, 107.10 3= dd{ t tyf ;Def/ s= ejg =============== 37, 285.00 44, 417.85 v= ;jf/ L ;fwg================ 130, 057.49 119, 661.28 u= cGo==================== 299, 857.72 231, 827.00 4= aLdf 1, 654, 957.25 1, 456, 555.49 5= kf] : ^] Hf, ^] n] S;, ^] lnkmf] g, km\ofS;\ 776, 222.24 758, 039.48 6= sfof{ no pks/ )f kmlg{ r/ / ;Def/ 496, 784.87 269, 710.03 7= e|d)f eQf / vr{ 302, 097.23 214, 459.80 8= d;nGb %kfO{ 1, 238, 961.53 1, 056, 320.64 9= kqklqsf tyf k": ts 46, 375.00 56, 842.00 10= la!fkg 1, 013, 722.70 1, 137, 690.40 11= sfg"gL vr{ 46, 000.00 38, 000.00 12= rGbf ;xof] u 298, 176.07 245, 510.00 13= ;Grfns ;ldlt ;DjlGw vr{ s= j} &s eQf================= 577, 000.00 537, 000.00 v= cGo vr{ ================== 53, 942.00 41, 014.25 14= ;fwf/ )F ;ef ;DjlGw vr{ 361, 537.88 270, 367.60 15= n] vf k/ LIF)f ;DjlGWf s= n] vfk/ LIf)f z"Ns – – afx\o n] vfk/ LIf)f z'Ns 90, 400.00 79, 100.00 cfGt/ Ls n] vfk/ LIf)f z'Ns – 116, 250.00 v= cGo vr{ ================== 180, 920.00 180, 020.42 16= / sd : yfgfGt/ )F sdLzg – – 17= l: y/ ;DklQdf x|f; s^\^L 4, 001, 375.33 3, 854, 745.03 18= k'j{ ;Grfng vr{ ckn] vg – – 19= xsk|b z] o/ lgisf;g vr{ – – 20= z] o/ lgisf;g vr{ ckn] vg 394, 538.10 394, 538.10 21= k|fljlws ;] jf ;f] wegf{ – – 22= dgf] / Ghg vr{ 318, 905.74 168, 470.62 23= ckn] vg vr{ 434, 894.49 392, 516.34 24= ;"/ Iff vr{ 2, 391, 023.32 1, 059, 194.17 25= shf{ ;'/ If)f lk|ldod – – 26= sldzg / l*: sfpG^ – – 27= cGo====================== – – sd{ rf/ L vfhf vr{ 149, 279.50 282, 566.00 OGwg vr{ 912, 227.97 752, 439.51 ;b: otf z'Ns 118, 938.00 106, 125.00 a} +s rfh{ 1, 750.00 1, 643.00 Hofnf 423, 242.81 1, 865, 515.27 sfof{ no z"ef/ De vr{ 78, 785.00 – P=l^=Pd= ;DaGwL vr{ 1, 962, 630.82 2, 080, 858.81 aflif{ s pT;a vr{ – 27, 880.00 cGo a} &s eQf – – a] jk] h vr{ – 25, 500.00 ljjw vr{ 913, 387.77 726, 784.27

hDdf 24, 076, 737.62 22, 246, 088.48



;+efljt gf] S;fgL Joj: yf@)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@%

u} / ;~rfng cfDbfgL÷gf] S;fgL@)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@^

;Defljt gf] S;fgLaf6 lkmtf{ @)^( >fj0f ! b] lv @)&) cfiff9 #! ut] ;Dd

cg';"rL $=@&


1= shf{ gf] S;fgL Joj: yfdf ePsf] j[ l$ 8, 183, 239.84 4, 447, 770.49

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

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

4= cGo ;DklQdf ul/ Psf] Joj: yf – –

hDdf 8, 183, 239.84 4, 447, 770.49


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

2= ;DklQ ljqmLaf^ cfDbfgL÷-gf] S;fg_ -36, 519.03_ -50, 139.92_

3= nfef+z – 80, 750.00

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

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

v= Jofh Ifltk"lt{ – –

u= ;^xL sfpG^/ – –

5= cGo

s= x|f;s^\^L k'g{ n] vg – –

v= cGo – 42, 731.23

v'b u} / ;+rfng cfDbfgL÷-gf] S;fg_ -36, 519.03_ 73, 341.31


1= shf{ gf] S;fgL Joj: yfaf^ lkmtf{ – 3, 330, 770.70

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

3= nufgL Joj: yfaf^ lkmtf{ – –

4= cGo ;DklQsf] Joj: yfaf^ lkmtf{ – –

hDdf – 3, 330, 770.70



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

cg';"rL $=@*

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

cg';"rL $=@* -s_


1= ckn] vg ePsf] shf{ sf] c;'nL – –

2= : j] lR%s cjsfz vr{ – –

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

4= cGo vr{ ÷cfDbfgL 3, 877.52 –

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

hDdf 3, 877.52 –

qm=;+= shf{ k|sf/

ckn] vg

ul/ Psf]

/ sd

lwtf] sf]

k|sf/

tyf ÷

/ sd

lwtf]

d"Nof°gsf]

cfwf/

shf{ : jLs[ t

ug] {

clwsf/ L÷tx

shf{ c;'nLsf

nflu eP

u/ ] sf k|of;

s} lkmot

1= rfn' k"+hL

shf{ – – – – – –

2= kl/ of] hgf

shf{ – – – – – –

3= l: y/ k"+hL

shf{ – – – – – –

4= JolQmut

shf{ – – – – – –

5= cGo shf{ – – – – – –

s"n shf{ – – – – – –



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

cg';"rL $=@(

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

;+: yfks÷ ;~rfns÷

sfo{ sf/ L

k|d'vsf] gfd

ut jif{ ;Ddsf] af+sL o; jif{ c;'nL o; jif{

cfiff(

d;fGt;Dd

af+sL

;f+jf Jofh ;f+jf Jofh yk shf{ ;f+jf Jofh

s_ ;~rfns

1= – – – – – – –

2= – – – – – – –

v_ sfo{ sf/ L k|d'v

1= – – – – – – –

2= – – – – – – –

u_ ;+: yfks

1= – – – – – – –

2= – – – – – – –

#_ sd{ rf/ L

1= – – – – – – –

2= – – – – – – –

3= – – – – – – –

4= – – – – – – –

5= – – – – – – –

6= – – – – – – –

7= – – – – – – –

ª_ z] o/ wgLx¿

1= – – – – – –

2= – – – – – –

hDdf – – – – – – –



k"“hLsf] if tflnsf@)&) cfiff9 d;fGt

cg';"rL $=#)


s_ k|fylds k"+hL 246, 240, 359.23 208, 967, 364.93

1_ r'Qmf k“"hL -;fwf/ )f z] o/ _ 230, 000, 000.00 200, 000, 000.00

2_ k|: tfljt jf] g; z] o/ – –

3_ z] o/ lk|ldod – –

4_ lkmtf{ gx"g] cu|flwsf/ z] o/ – –

5_ ;fwf/ )f hu] *f sf] if 26, 689, 123.03 16, 684, 472.69

6_ ;+lrt gfkmf÷-gf] S;fg_ 3, 559, 082.35 5, 861, 995.27

7_ jf;nftdf b] vfOPsf] rfn' cf=j=sf] gfkmf÷gf] S;fg lx;fjsf] / sd -1, 981, 843.35_ -2, 302, 912.91_

8_ k"“hL lkmtf{ hu] *f sf] if – –

9_ k"“hL ;dfof] hg sf] if

10_ sN; Og P*efG;

11_ cGo : jtGq sf] ifx¿ 1, 954.66 1, 001, 509.94

#^fpg] M

VoftL (Goodwill) jfktsf] / sd

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

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

cjf: tljs ;DklQ (Fictitious Assets) 1, 981, 557.47 2, 231, 300.06

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

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

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

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

v= k"/ s k"+hL 19, 038, 341.29 12, 576, 755.85

1= c;n shf{ sf] nflu ul/ Psf] shf{ gf] S;fgL Joj: yf 18, 038, 341.29 11, 576, 755.85

2= ;DklQ k"g{ d"Nof°g sf] if – –

3= xfOlj|* k"+hL pks/ )fx¿ – –

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

5= ;^xL ;lds/ )f sf] if – –

6= ;DklQ k"gd{ 'Nof++sg sf] if – –

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

u= hDdf k"+hLsf] if -s ± v_ 265, 278, 700.52 221, 544, 120.77

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

k"+hLsf] if -11 k|ltzt_ 226, 494, 421.99 140, 491, 337.21

k|fylds k"+hL -5=5 k|ltzt_ 113, 247, 211.00 70, 245, 668.60

k"+hLsf] if [ clws÷-Go'g_] 1=88 38, 784, 278.52 81, 052, 783.56

k|fylds k"+hL [ clws÷-Go"g_] 6=46∞ 132, 993, 148.23 138, 721, 696.32



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

cg';"rL $=#) -s_

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

ef/ / sdhf] lvd efl/ t

;DklQ/ sd

hf] lvd efl/ t;DklQ

gub df} Hbft 0 33, 296, 027 – 28, 786, 135 – ;'g -ljlgodof] Uo_ 0 – – – – g] kfn / fi^« a} +sdf / x] sf] df} Hbft 0 118, 633, 284 – 80, 146, 667 – g] kfn ;/ sf/ sf] C)fkqdf ul/ Psf] nufgL 0 – – – – g] kfn / fi^« a} +s C)fkqdf ul/ Psf] nufgL 0 – – – – cfkm\g} d'@tL / ;Lbsf] lwtf] df k")f{ ;'/ lIft x'g] u/ L k|bfg ul/ Psf] d'@tL / ;Lb lwtf] shf{ 0 20, 029, 329 – 18, 061, 333 – ;/ sf/ L C)fkqsf] ] lwtf] df k")f{ ;'/ lIft x'g] u/ L k|bfg ul/ Psf] shf{ 0 – – – – art kqsf] kfpg' kg] { Aofh / sd (Accrued Interest) 0 – – – – ljkGg ju{ shf{ cGtu{ t u)fgf x'g] o'jf tyf ;fgf Joj;foL : j/ f] huf/ sf] ifdf ævÆ / æuÆ ju{ sf Ohfhtkqk|fKt ;+: yfn] hDdf u/ ] sf] / sd

– – – –

: jb] zL a} +s tyf ljQLo ;+: yfx¿df / x] sf] df} Hbft÷d'@lt / l;bsf] bfjL (Claims) 20 5, 246, 609 1, 049, 322 33, 843, 356 6, 768, 671 cGo Ohfhtkq k|fKt a} +s÷ljQLo ;+: yfsf] d'@tL / ;Lbsf] lwtf] df k")f{ ;'/ lIft x'g] 20 – – – – u/ L k|bfg ul/ Psf] d'@tL / ;Lb lwtf] shf{ – – ljb] zL a} +sx¿df / x] sf] df} Hbft 20 – – – – dfu] sf] avt k|fKt x'g] / sd (Money at Call) 20 407, 365, 365 81, 473, 073 424, 141, 672 84, 828, 334 cGt/ f{ li^«o >] )fLs[ t (Rated) a} +ssf] Uof/ ] )^Ldf uPsf] shf{ 20 – – – – cGt/ f{ li^«o >] )fLs[ t (Rated) a} +ssf] Uof/ ] )^Ldf uPsf] cGo nufgL 20 – – – – cGt/ a} +s ;fk^L 20 – z] o/ , l*a] ~r/ Pj+ a)*df ePsf] nufgL 100 6, 100, 000 6, 100, 000 1, 000, 000 1, 000, 000 cGo nufgLx¿ 100 – – shf{ , ;fk^ tyf ljN; v/ Lb÷l*: sfp)^ -s'n / sd_ 100 1, 787, 123, 949 1, 787, 123, 949 1, 140, 404, 691 1, 140, 404, 691 l: y/ ;DklQx¿ 100 35, 281, 937 35, 281, 937 33, 853, 771 33, 853, 771 kfpg' kg] { cGo v'b Aofh / sd 100 – – 605, 479 605, 479 cGo ;j} ;DklQx¿ -v"b clu|d s/ bflvnf afx] s_ 100 8, 035, 099 8, 035, 099 7, 383, 028 7, 383, 028 ;Ldf gf#] sf] l/ on : ^] ^÷cfjf;Lo #/ shf{ 150-s_ hDdf 2, 421, 111, 599 1, 919, 063, 380 1, 768, 226, 133 1, 274, 843, 975 jf;nft jflx/ sf] sf/ f] jf/ (Off-balance sheet Items)ljN; sn] S;g 0 – – – – clu|d ljb] zL ljlgdo ;Demf} tf 10 – – – – 6 dlxgf eGbf sd cjlwsf] k|lttkq -k'/ } / sd_ 20 – – – – cGt/ f+li^«o >] )FLs[ t (Rated) ljb] zL j} +ssf] sfp)^/ Uof/ ] )^Ldf hf/ L ul/ Psf] Uof/ ] )^L 20 – – – – 6 dlxgf eGbf al( cjlwsf] k|lttkq -k'/ } / sd_ 50 – – – – lj*a)*, k/ km/ d] G; a)* / k|Tofe"lt (Underwriting) ;DjGwL k|ltj$tf 50 10, 150, 000 5, 075, 000 4, 700, 000 2, 350, 000 k'gM vl/ b ug] { zt{ df laqmL u/ ] sf] shf{ 50 – – – – clu|d e'QmfgL Uof/ ] )^L (Advance payment Guarantee) 100 – – – – ljQLo tyf cGo hdfgt (Financial and other Guarantee) 100 – – – – ckl/ jTo{ shf{ k|lta$tf (Irrevocable Loan Commitment) 100 86, 907, 345.92 86, 907, 345.92 – – cfos/ jfkt ;Defljt bfloTj 100 – – – – Acceptance ;lxt cGo ;j} k|sf/ sf ;Defljt bfloTjx¿ 100 – – – – k"gM l*: sfpG^ ul/ Psf ljnx¿ 100 – – – – r'Qmf jf e'Qmfg x'g af+sL z] o/ nufgL 100 – – – – e'QmfgLsf nflu bfjL k/ ] sf] hdfgt (Unpaid Guarantee Claims) 200 – – – – ;+: yfpk/ bfjL k/ ] sf] t/ ;+: yfn] bfloTj : jLsf/ gu/ ] sf] ;Defljt bfloTjx¿ 200 – – – – -v_ hDdf 97, 057, 346 91, 982, 346 4, 700, 000 2, 350, 000 -u_ ;+rfng hf] lvd jfkt sfod ug'{ kg] { / sd 100 47, 994, 474 47, 994, 474 – –

s'n hf] lvd efl/ t ;DklQ -s ± v_ 2, 566, 163, 418 2, 059, 040, 200 1, 772, 926, 133 1, 277, 193, 975



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

cg';"rL $=#!

ljj/ )f ;"rsf°cf=j=

2065÷66

cf=j=

2066÷67

cf=j=

2067÷68

cf=j=

2068÷69

cf=j=

2069÷70

1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 26=82 12=02 15=32 15=87 17=70

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

23= cGo



k|d'v n] vfgLltx¿

cg';"rL – 4=32

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

1= kl/ ro sfdgf ljsf; a} +s lnld^] * g] kfndf : yflkt Ps l;ldt bfloTj ePsf] sDkgL xf] . o;sf] / lhi^*{ -s] Gb|Lo_

sfof{ no ;[ hgfrf] s, kf] v/ f pk–dxfgu/ kflnsfdf / x] sf] % . ‘v’ ju{ sf ljQLo ;+: yfsf] ¿kdf sfo{ / t o; sDkgLsf] ;ft zfvf / Ps PS;^] G;g sfp)^/ dfq / x] sf] % .

2= ljQLo ljj/ )fx¿sf] cfwf/ MsDkgLsf] ljQLo ljj/ )fx¿ P] ltxfl;s d"No cjwf/ )ffsf] cfwf/ df ;j{ dfGo n] vf l;$fGt, a} +lsª Joj;fodf k|rlnt n] vfgLlt g] kfn n] vfdfg (NAS) nfO{ cfwf/ lnO{ g] kfn / fi^« a} +ssf] lgb] { zg / a} s tyf ljQLo ;+: yf ;DaGwL P] g 2063 cg';f/ tof/ ul/ Psf] % . sDkgLn] ckgfPsf] k|d'v n] vfgLltx¿ b] xfo adf] lhd %g\ .

3= l: y/ ;DklQ / x|f;s§L Ml: y/ ;DklQnfO{ vl/ b ÷ lgdf{ )f ubf{ nfu] sf] d"Nodf / ;f] ;“u ;DalGwt cGo vr{ x¿ ;dfj] z u/ L x'g cfpg] d"Nodf b] vfOPsf] % . ;DklQsf] x|f; s^\^L Joj: yfkgn] tf] s] sf] b/ / Written Down Value sf] cfwf/ df ul/ Psf] % .

l: y/ ;DklQ x|f; b/ Kf|ltztdf

k/ Ljxg ;fwg 15=00

sfof{ no ;fdfg 10=00

cGo 15=00

4= cfos/ Joj: yf gLlt M§ rfn" cfos/ Aoj: yf (Current Tax Provision) sDkgLn] cfos/ P] g, 2058 / ;f] df ;do ;dodf cfly{ s P] gn] u/ ] sf] ] ;+zf] wgsf] cfwf/ df cfos/ Joj: yf

ul/ g] gLlt ckgfPsf] % . al( tyf sd cfos/ Aoj: yf ePdf clGtd s/ lgwf{ / )f ubf{ ;f] xL avt cfjZos

;dfof] hg ug] { gLlt ckgfOPsf] % . § : yug s/ Joj: yf (Deferred Tax Provision) : yugs/ sf] Joj: yf g] kfn n] vfdfg 9 n] tf] s] sf] k|lqmof tyf ljlw cg';f/ ul/ Psf] % .

5= nufgL ;DaGwL gLlt M § lwtf] kq ljlgdo ahf/ df ;"lrs[ t ePsf z] o/ tyf jG*df ePsf] nufgLnfO{ ahf/ d"No tyf vl/ b d"No

h'g sd % ;f] xL cg';f/ ;dfof] hg u/ L d"No sfod ul/ Psf] % .



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

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

§ g] kfn / fi^« a} sn] tf] s] sf] cjlw ;Dddf klg ;"lrs[ t gePsf sDkgLsf] z] o/ df ePsf] nufgLnfO{ nufgL ;dfof] hg sf] if v*f u/ L cfjZos / sd gfkmf gf] S;fg vftfaf^ af“*kmf“* ug] { gLlt / x] sf] % .

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

6= u} / a} ls∙ ;DklQsf] n] vf°g gLlt Mu} / a} ls∙ ;DklQ sa'n ub{ fsf] ;dodf c;'n x'g af“sL ;f“jf cyjf lwtf] / x] s] f ;DklQsf] k|rlnt ahf/ d"No (Fair Market Price) dWo] h'g sd % ;f] xL / sddf u} / a} ls∙ ;DklQsf] n] vf°g ul/ g] gLlt ckgfOPsf] % . o;y{ n] vf°g ubf{ ;f] shf{ sf] kfpg'kg] { Aofh / sdnfO{ g] =/ f=a} +ssf] lgb] { zg adf] lhd Aofh d"NtjL lx;fa ;“u ;dfof] hg ug{ ] gLlt ckgfOPsf] % . cf=j= 2069.070 df s'g} klg u} / a} ls∙ ;DklQ ;sf/ ul/ Psf] %} g .

7= cfDbfgL÷vr{ n] vf°g gLlt M § Aofh u)fgfsf] cfwf/ M Aofh lbg'kg] { lgIf] k / ;fk^L vftfx¿df Aofh lb+bf / shf{ ;fk^df Aofh ln+bf 365

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

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

§ sldzg cfDbfgL M sldzg cfDbfgLnfO{ gub k|flKtsf] cfwf/ df k|fKt u/ ] sf] jif{ df g} cfDbfgL hgfpg] gLlt / x] sf] % .

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

§ nufgLdf AofhM nufgLaf^ ePsf] Aofh cfDbfgLnfO{ cflh{ t cfwf/ df -Accrual Basis) n] vf°g ug] { gLlt ckgfOPsf] % .

8= shf{ tyf ;fk^sf] juL{ s/ )f Mg] kfn / fi^« a} +ssf] lgb] { zg cg';f/ shf{ tyf ;fk^LnfO{ efvf gf#] sf] calw cg';f/ juL{ s/ )f u/ L g] kfn / fi^« a} +sn] tf] s] sf] k|ltztdf shf{ gf] S;fgL sfod u/ L Joj: yf ug] { gLlt ckgfOPsf] % .

9= k"j{ ;~rfng vr{ tyf k/ ;fl/ Psf vr{ x¿ M § k"j{ ;~rfng vr{ nfO{ 5 jif{ ;Dddf ckn] vg ug] { gLlt ckgfOPsf] % . § sDKo'^/ ;km\^j] o/ df ePsf] vr{ nfO{ k"+hLs[ t u/ L 5 jif{ ;Dddf ckn] vg ug] { gLlt ckgfOPsf] % . § lnhxf] N* ljsf; vr{ nfO{ k"“hLs[ t u/ L 10 jif{ ;Dddf ckn] vg ug] { gLlt ckgfOPsf] % .



10= sd{ rf/ L ljbf M

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

ul/ Psf] % .

11= sd{ rf/ L ;+rosf] if Msd{ rf/ L ;+rosf] ifdf ;+: yfn] lbg] yk / sd dfl;s ¿kdf ;+: yfsf] gfkmf gf] S;fg lx;fadf vr{ n] vL n] vf°g ug] { u/ ] sf] % . ;+: yfaf^ k|bfg ul/ g] yk / sd tyf sd{ rf/ Laf^ s§f x'g] / sdsf] hf] *nfO{ gful/ s nufgL sf] ifdf %'^} vftfdf hDdf ug] { Joj: yf % .

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

13= ;fwf/ )f hu] *fsf] if;fwf/ )f hu] *fsf] ifdf k|To] s cf=j=sf] s/ kl%sf] gfkmfaf^ 20 k|ltzt / sd %"^\ofpg] ul/ Psf] % .

14= ;^xL #â( sf] iflab] zL lalgdosf] ;^xL sf/ f] jf/ af^ x'g cfpg] v"b gfkmfsf] 25 k|ltzt / sd ;^xL #â( sf] ifdf / sdfGt/ ug] { gLlt / x] sf] % .

15= ;DjlGwt JolQm aLrsf] sf/ f] jf/

;DalGwt AolQm aLrsf] sf/ f] jf/ g] kfn n] vfdfg 16 cg';f/ ug] { gLlt / x] sf] % .

16= k|: tfljt nfefz+ Aoj: yf;+rfns ;ldltaf^ k|: tfljt nfef+z nfO{ g] =/ f= a} ssf] tyf ;fwf/ )f ;efn] : jLsl[ t u/ ] kZrft\ af“*kmf“* ug] { u/ L Joj: yf ul/ Psf] % . o; cf=j= df 21 k|ltzt / sd nfef+zsf] -af] g; 15 k|ltzt tyf gub 6 k|ltzt_ nflu %'^\ofOPsf] % .

17= Going Concernof] ljQLo ljj/ )f Going Concern dfGotfsf cfwf/ df tof/ kfl/ Psf] % .

18= cfos/ Joj: yf gLlt § rfn" cfos/ Joj: yf (Current Tax Provision)

cfos/ P] g 2058 adf] lhd : jo+s/ lgwf{ / )fsf] cfwf/ df s/ of] Uo cfosf] u)fgf u/ L x'g cfpg] cfodf 30 k|ltztn] x'g] / sd cfos/ sf] nflu Joj: yf ug] { gLlt / x] sf] % .

§ : yug s/ Joj: yf (Deferred Tax Provision): yugs/ sf] Joj: yf g] kfn n] vfdfg 9 n] tf] s] sf] k|lqmof tyf ljlw cg';f/ ul/ Psf] % .



n] vf;“u ;DalGwt l^Kk)fLx¿

cg';"rL – 4=33

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

ljj/ )f s'n / sd

z'? df} Hbft ?= 1, 158, 466, 024.70

s'n shf{ k|jfx ?= 1, 491, 081, 360.00

s'n shf{ c;'nL ?= 842, 394, 106.68

s'n shf{ ckn] vg –

clGtd df} Hbft ?= 1, 807, 153, 278.02

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

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

1 rNtL lgIf] k 2, 822, 1301.16 26, 025, 690.80 8=44

2 jrt lgIf] k 1, 152, 544, 570.54 82, 561, 2297.11 39=60

3 d'$tL lgIf] k 545, 849, 791.50 406, 387, 256.75 34=32

4 sn lgIf] k 372, 106, 872.88 224, 839, 236.13 65=50

hDdf ?= 2, 098, 722, 536.08 1, 482, 864, 480.79

3= lgIf] k / shf{ sf] efl/ t cf} ift Aofh b/ sf] cGt/ o;k|sf/ % M shf{ tyf ;fk^Ldf 15=80 k|ltzt lgIf] k bfloTjdf 8=55 k|ltzt cGt/ 7=25 k|ltzt

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

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

1 z] o/ lgZsf;g vr{ 1, 578, 152.40 394, 538.10 118, 3614.30

2 sDKo'^/ ;km\^j] o/ vr{ 653, 147.66 579, 690.00 434, 894.49 797, 943.17

3 lnhxf] N* ;DklQ 4, 204, 364.06 1, 651, 221.63 727, 069.79 5, 128, 515.90

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



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

1–90 lbg 91–180 lbg 181–270 lbg 271– 365 lbg 1 jif{ eGbf j(L s'n / sd

;DklQ

gub df} Hbft 33, 296.03 – – – – 33, 296.03

a} +s tyf ljQLo ;+: yf df} Hbft 531, 245.26 – – – – 531, 245.26

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

g] kfn ;/ sf/ sf] C)fkq – – – – – –

g] kfn / fi^« a} +ssf] ] C)fkq – – – – – –

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

shf{ ;fk^ 36, 203.31 90, 508.27 235, 321.50 362, 033.07 1, 083, 087.14 1, 807, 153.28

Kffpg' kg] { Aofh 12, 730.63 – – – – 12, 730.63

l/ e;{ l/ kf] – – – – – –

cGo – – – – – –

s'n ;DklQ 613, 475.22 90, 508.27 235, 321.50 362, 033.07 1, 083, 087.14 2, 384, 425.19

bfloTj

rNtL lgIf] k 17, 346.30 – – – 10, 875.00 28, 221.30

jrt lgIf] k 150, 008.94 225, 013.42 525, 031.31 375, 022.36 249, 575.42 1, 524, 651.44

d'$tL lgIf] k 17, 693.07 38, 854.56 1, 869.00 328, 690.24 158, 742.93 545, 849.79

C)fkqx¿ – – – – – –

;fk^LM – – – – – –

dfu÷cNk ;"rgf – – – – – –

cGt/ a} +s÷ljQLo ;+: yf – – – – – –

k'g/ shf{ – – – – – –

cGo 31, 511.54 – – – – 31, 511.54

;G*««L s|] *L^;{ 6, 141.57 – – – – 6, 141.57

e'QmfgL lbg'kg] { ljn 388.38 – – – – 388.38

e'QmfgL lbg'kg] { Aofh 9, 704.84 – – – – 9, 704.84

cGo 15, 276.75 – – – – 15, 276.75

s'n bfloTj 216, 559.85 263, 867.97 526, 900.31 703, 712.60 419, 193.34 2, 130, 234.07

v"b ljQLo ;DklQ 396, 915.37 -173, 359.70_ -291, 578.81_ -341, 679.53_ 663, 893.79 254, 191.12

;l~rt v"b ljQLo ;DklQ 396, 915.37 223, 555.67 -68, 023.14_ -409, 702.67_ 254, 191.12 254, 191.12

7= sDkgLn] o; cfly{ s jif{ df ;DklQ lwtf] / fvL shf{ lnPsf] %} g .

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

9= r'Qmf k"“hL dWo] clu|d e'QmfgL k|fKt (Paid in Advance), e""'QmfgL k|fKt x'g af“sL (Calls in Arrears) / x] sf]

%} g tyf s'g} z] o/ hkmt ul/ Psf] %} g .10= shf{ gf] S;fgLsf] Joj: yf

cfiff( d;fGt 2070 ;Dd b] xfo adf] lhdsf] shf{ gf] S;fgL Joj: yf / x] sf] % .



shf{ sf] juL{ s/ )f shf{ / sdgf] S;fgL Joj: yf

k|ltzt / sd

c;n shf{ 1, 803, 834, 128.54 1 18, 038, 341.29

k'g{ ;+/ rgf ul/ Psf] 12=5

sd;n shf{ 2, 919, 874.18 25 729, 968.55

z+sf: kb shf{ 346, 975.37 50 173, 487.69

v/ fa shf{ 52, 299.93 100 52, 299.93

yk shf{ gf] S;fgL Joj: yf 2, 393, 823.18

hDdf 1, 807, 153, 278.02 21, 387, 920.63

11= sd{ rf/ L cfjf; tyf sd{ rf/ L jf] g; Joj: yf M>d P] g 2048 jdf] lhd sd{ rf/ L cfjf; Joj: yfdf / sd %'^\ofOPsf] %} g . af] g; P] g 2030 sf] Joj: Yff cg';f/ s/ Joj: yfcl#sf] v'b gfkmfsf] 10 k|ltztn] x'g] ?= 7, 142, 516=79 sd{ rf/ L af] g;af^ vr{ Joj: yf u/ ] sf] % .

12= ;fwf/ )f hu] *f sf] ifa} +s tyf ljQLo ;+: yf ;DaGwL P] g 2063 sf] Joj: yf cg';f/ v"b gfkmfsf] 20 k|ltztn] x'g] ?= 10, 004, 650=34 ;fwf/ )f hu] *f sf] ifdf ;f/ ] sf] % .

13= g] kfn n] vfdfg (NAS 9) cg';f/ x'g cfpg] k/ ;fl/ Psf] cfos/ bfloTj ? 140, 577.96 nfO{ cGo bfloTjdf b] vfOPsf] % . o;sf] lj: t[ t ljj/ )F ljQLo ljj/ )fdf ;+nUg ul/ Psf] % . ut cf=j= / o; cf=j= sf] km/ s ? 335, 469.36 nfO{ cfDbfgL n] lvPsf] % .

14= ;~rfns ;ldltn] o; ljQLo ljj/ )f ldlt 2070.06.07 ut] : jLs[ t u/ ] sf] % .

15= ;^xL #â( sf] ifljb] zL ljlgdosf] ;^xL sf/ f] jf/ af^ ePsf] v"b gfkmf ? 1, 778=89 sf] 25 k|ltzt / sd ? 444=72 ;^xL #â( sf] ifdf / sdfGt/ ul/ Psf] % .

16= nufgL ;dfof] hg sf] ifo; cf=j=df sf] cGTo ;Dddf ;"rLs[ t gePsf sDkgLdf u/ ] sf] nufgL ?= 1, 000, 000=00 nufgL ;dfof] hg sf] ifdf / sdfGt/ ul/ Psf] % .

17= cf= j= 2069÷70 ;Ddsf] gfkmfaf^ 21 k|ltzt / sd nfef+zsf] -af] g; 15 k|ltzt tyf gub 6 k|ltzt_ nflu %'^\ofOPsf] % .

18= a} ssf] ;DklQ / bfloTj;“u ;DalGwt sf/ f] af/ / jf;nft aflx/ sf] sf/ f] af/ s'g} Ps JolQm, kmd{ , ;+# ;+: yfdf lgb{ ] zgsf] ;LdfeGbf a(L clws] lGb|t ePsf] %} g .

19= gub Aofn] G; cGtu{ t k|: t't ePsf] ljb] zL d'b|fdf ef/ tLo d'b|f / x] sf] % .



20= ;Da$ JolQm aLrsf] sf/ f] jf/

o; n] vfk/ LIf)fsf] cjlwdf b] xfosf lgsfo jf JolQm o; a} s;“u ;DalGwt / x] sf %g .1= u|f] df] / dr] { G^ Af} s ln= z] o/ nufgL ? 1, 000, 000.00pk/ f] Qm sDkgL lar o; cf=j=df s'g} sf/ f] jf/ tyf cf=j=sf] cGTodf s'g} df} Hbft af“sL g/ x] sf] kfOof] .

d'Vo Joj: yfksLo lhDd] jf/ L kfPsf JolQm M >L pd] z s'df/ cfrfo{ n] o; cf=j=df k|fKt u/ ] sf] tna eQf tyf ;'ljwfsf] / sd 2, 007, 628.14 tyf cf=j=sf] cGTodf e'QmfgL lbg jf lng af“sL / sd / x] sf] %} g .

21= c+ssf] k'gM juL{ s/ )f s_ ut jif{ sf c+sx¿ cfjZostf cg';f/ k'gjuL{ s/ )f ul/ Psf %g\ .

=====================lji)f' k|;fb uf} tdk|d'v n] vf

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

pd] z s'df/ cfrfo{

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

;+rfns

>L / fh] gb|lglw sf] O/ fnf

>L v] dgfy e§/ fO{

>L Ps/ fh hd/ s§] n

>L l/ a axfb'/ yfkf

>L b] j s[ i)f sfkm\n]

>L / fdsfhL >] i&

>L b] jfg u'?ª

>L / fd s'df/ lkof

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

l;P=;'hg s'df/ sfkm\n] , Pkm\=l;=P=

lg=;'hgsfkm\n] P)* Pzf] lzP^;\

rf^{ *{ PsfpG^] G^;\

ldlt M 2070.06.07



qm+=;

+= ;+: y

fks/ ;

+: yfks ;d'x

cGtu{ t

kg] {

z] o/

wgLsf] gfd

;+: y

fkssf] : j

fldTj

df s

fod

/ x] sf] z] o/

shf{ ljj/

)f

s} lkmot

s"n lsQf ;+Vo

fs"n r

"Qmf

k'“hLs

f]

k|ltz

t

shf{ ln

Psf] cGo

a} +s÷ljQLo ;

+: yfs

f]

gfd

shf{ / s

dlw

tf] df

/ x] s

f]

z] o/

lsQf ;+Vo

f

1–

–

–

2–

–

–

3–

–

–

4–

–

–

5–

–

–

6–

–

–

7–

–

–

8–

–

–

9–

–

–

10–

–

–

11–

–

–

12–

–

–

13–

–

–

14–

–

–

15–

–

–

hDd

f–

––

;+: yf

ks÷;

+: yfks ;

d"xsf z] o/

wgLn

] cfÇgf] :

jfldTj

df /

x] sf] z] o/

cGo

a} +s t

yf lj

QLo ;

+: yfd

f lwtf] /

fvL shf

{ lnPs

f] ljj/

0f@)

&) c

fiff9 d

;fGt

cg';"r

L $=#$



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

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

l;=g+= ljj/ )f

n] vfk/ L)f k"j{ sf]

ljQLo ljj/ )f

cg';f/

n] vfk/ LIf)f

kZrftsf] ljQLo

ljj/ )f cg';f/

km/ s

km/ ssf] sf/ )f/ sddf ?= k|ltztdf

1 s"n k"“hL tyf bfloTj 2, 442, 310.00 2, 399, 723.68 -30, 989.28_ -0=01_1=1 r"Qmf k"+hL 200, 000 230, 000.00 -30, 000.00_ -0=15_ Proposed Bonus Share

1=2 hu] *fsf] if tyf gfkmf 71, 200 29, 268.32 -41, 931.91_ -0=59_ Due to audit adjustments

1=3 C)fkq tyf aG* – – 1=4 ltg{ af+sL shf{ { ;fk^ – – – 1=5 lgIf] k bfloTj 2, 098, 723 2, 098, 723 -0.00_ -0=00_

s= : jb] zL d"b|f 2, 098, 723 2, 098, 723 -0.00_ -0=00_v= ljb] zL d"b|f – –

1=6 e'QmfgL lbg'kg] { ljnx¿ – 388.38 -388.38_ – Due to audit adjustments

1=7 k|: tflat gub nfef+z – 9, 900.00 Due to Proposed Dividend

1=8 cfos/ bfloTj 21, 410 321.28 21, 088.26 Due to net off of tax liability and advance tax

1=9 cGo bfloTj 50, 978 31, 123.16 19, 854.37 0=39 Due to audit adjustments and LLP

2 s'n ;DklQ 2, 442, 310.00 2, 399, 723.68 42, 586.16 0=02 2=1 gub tyf a} +s df} Hbft 564, 541 157, 175.92 407, 365.39 0=72 2=2 dfu tyf cNk ;"rgfdf k|fKt x'g] / sd 407, 365.36 -407, 365.36_ Due to inclusion of this amount in cash

balance above

2=3 nufgL 6, 100 6, 100.00 – – 2=4 shf{ ;fk^ tyf ljn v/ Lb 1, 807, 153 1, 785, 765.36 21, 387.92 0=01 Due to inclusion of loan loss here

2=5 l: y/ ;DklQ 35, 285 35, 281.94 3.41 0=00 Due to audit adjustments

2=6 u} / a} lsª ;DklQ – – – – 2=7 cGo ;DklQ 29, 230 8, 035.10 21, 194.79 0=73 Due ot netting off of advance tax with tax

provision and other adjustment

3 gfkmf gf] S;fg lx;fj3=1 Jofh cfDbfgL 258, 779 258, 779 – – 3=2 Jofh vr{ 153, 041 153, 041 – – s= v'b Jofh cfDbfgL 105, 738.07 105, 738.07 – – 3=3 lkm, sldzg tyf l*: sfp)^ 2, 992.79 3, 054.66 -61.87_ -0=02_ Due to audit adjustments

3=4 cGo ;Grfng cfDbfgL 20, 821.04 20, 832.70 -11.66_ Due to audit adjustments

3=5 ;^xL #â( cfDbfgL – 1.78 -1.78_ Due to audit adjustments

v= s'n ;~rfng cfDbfgL 129, 551.90 129, 627.21 -75.31_ -0=00_3=6 sd{ rf/ L vr{ 18, 949.10 18, 759.15 189.94 0=01 Due to audit adjustments

3=7 cGo ;~rfng vr{ 23, 881.40 24, 076.74 -195.34_ -0=01_ Due to audit adjustments

u= ;Defljt gf] S;fgL Joj: yf cl#sf] ;~rfng d'gfkmf 86, 721.41 86, 791.32 -69.91_ -0=00_3=8 ;Defljt gf] S;fgL Joj: yfx¿ 8, 183.24 8, 183.24 – – #= ;~rfng d'gfkmf 78, 538.17 78, 608.08 -69.91_ -0=00_3=9 u} / ;~rfng cfDbfgL÷gf] S;fg -36.52_ -36.52_ – 3=10 ;Defljt gf] S;fgL Joj: yfaf^ lkmtf{ – – – ª= lgoldt sf/ f] jf/ af^ ePsf] d'gfkmf 78, 501.65 78, 571.56 -69.91_ -0=00_3=11 c;fdfGo sf/ f] jf/ x¿af^ ePsf] d'gfkmf ÷vr{ – 3.88 -3.88_r= ;Dk")f{ sf/ f] jf/ ;dfj] z kl%sf] v'b d'gfkmf 78, 501.65 78, 567.68 -73.79_ -0=00_3=12 sd{ rf/ L af] g; Joj: yf 7, 136.51 7, 142.52 -6.00_ -0=00_ Due to change in profit

3=13 cfos/ Joj: yf 21, 409.54 21, 401.92 7.63 0=00 Due to audit adjustments

%= v'b gfkmf÷gf] S;fg 49, 955.60 50, 023.25 -75.41_ -0=00_



Unaudited Financial Results (Quarterly)As at Fourth Quarter (31/ 03/ 2070) of the Fiscal Year 2069/ 2070

cg';"rL $ cRs. in '000

S.N Particulars This Quarter Ending

Previous QuarterEnding

Corresponding Previous Year Quarter

1 Total Capital and Liabilities(1.1 to 1.7) 2, 442, 310 2, 302, 789 1, 785, 161 1.1 Paid up Capital 200, 000 200, 000 200, 000

Call in Advance - 1.2 Reserve and Surplus 71, 200 57, 115 50, 625 1.3 Debenture and Bond - 1.4 Borrowings - 1.5 Deposits (a + b) 2, 098, 723 1, 983, 085 1, 482, 864

a. Domestic Currency 2, 098, 723 1, 983, 085 1, 482, 864 b. Foreign Currency -

1.6 Income Tax Liability 21, 410 15, 371 15, 088 1.7 Other Liabilities 50, 978 47, 218 36, 583 2 Total Assets (2.1 to 2.7) 2, 442, 310 2, 302, 789 1, 785, 161 2.1 Cash and Bank Balance 564, 541 544, 269 536, 938 2.2 Money at Call and Short Notice - - - 2.3 Investments 6, 100 26, 000 31, 000 2.4 Loans and Advances 1, 807, 153 1, 668, 532 1, 158, 466

a. Real Estate Loan 17, 292 19, 290 23, 421 1. Residental Real Estate Loan (Except personal home Loan upto Rs. 10 Million)2.Business Complex & Residental Apartment Construction Loan3.Income Generating Commercial Complex Loan4. Other Real Estate Loan (including Land Purchase & Ploating) 17, 292 19, 290 23, 421 b. Personal Home Loan of Rs. 10 Million or Less 365, 484 318, 765 216, 640 c. Margin Type Loan 1, 162 1, 162 1, 392 d. Term Loan 296, 723 272, 170 194, 800 e. Overdraft Loan/ TR Loan/ WC Loan 667, 383 621, 069 357, 534 f. Others 459, 110 436, 077 364, 679

2.5 Fixed Assets 35, 285 30, 317 29, 612 2.6 Non Banking Assets - - - 2.7 Other Assets 29, 230 33, 670 29, 145

3 Profit and Loss Account Up To This Quarter

Up To Previous Quarter (unaudited)

Up To Corresponding Year Quarter Ending

3.1 Interest Income 258, 779 182, 818 208, 760 3.2 Interest Expense 153, 041 109, 856 131, 055

A. Net Interest Income (3.1- 3.2) 105, 738 72, 962 77, 705 3.3 Fees, Commission and Discount 2, 993 1, 967 2, 316 3.4 Other Operating Income 20, 821 16, 008 11, 618 3.5 Foreign Exchange Gain / Loss (Net) - - 0

B. Total Operating Income ( A.+3.3+3.4+3.5) 129, 552 90, 937 91, 639 3.6 Staff Expenses 18, 949 13, 603 12, 898 3.7 Other Operating Expenses 23, 881 15, 569 22, 289

C. Operating Profit Before Provision (B.-3.6-3.7) 86, 721 61, 765 56, 452 3.8 Provision For Possible Losses 8, 183 5, 372 4, 448

D. Operating Profit (C.-3.8) 78, 538 56, 393 52, 005 3.9 Non Operating Income / Expenses (Net) (37) (32) (12)3.10 Write Back Of Provision For Possible Loss - - 3, 331

E. Profit From Regular Activities (D.+3.9+3.10) 78, 502 56, 361 55, 323 3.11 Extraordinary Income / Expenses (Net) - - -

F. Profit Before Bonus and Taxes (E.+3.11) 78, 502 56, 361 55, 323 3.12 Provision For Staff Bonus 7, 137 5, 124 5, 029 3.13 Provision For Tax 21, 410 15, 371 15, 088

G. Net Profit / Loss (F. -3.12-3.13) 49, 956 35, 866 35, 206

4 Ratios At the End of This Quarter

At the End ofPrevious Quarter

At the End of Corresponding

Previous Year Quarter 4.1 Capital Fund to RWA 13.61% 13.61% 20.40%4.2 Non Performing Loan (NPL) To Total Loan 0.18% 0.14% 0.07%4.3 Total Loan Loss Provision to Total NPL 644.38% 784.25% 1670.55%4.4 Cost of Fund 8.26% 8.36% 9.48%4.5 CD Ratio as per NRB Directive 76.65% 74.93% 66.83%



lwtf] kq lgisfzg lgb] { lzsf @)^% sf] bkmf @* ;Fu ;DalGwt ljj/ 0fx¿tyf

lwtf] kq btf{ tyf lgisfzg lgodfjnL @)^% -;+zf] lwt @)^&_ sf] lgod @@ sf] pklgod ! cg';"rL !# ;DalGwt ljj/ 0flwtf] kq lgisfzg lgb] { lzsf @)^% sf] bkmf @* df sDkgLsf] ;j{ ;fwf/ 0f z] o/ lgisfzg ubf{ tof/ kfl/ Psf] ljj/ 0f kqdf k|If] k0f ul/ Psf ljj/ 0fx?df aL; k|ltzt jf ;f] eGbf a9L km/ s kg{ uPdf ;f] sf] sf/ 0f ;lxt jflif{ s k|ltj] bgdf pNn] v ug'{ kg] { Joj: yf / x] sf] n] cf=j= @)^(÷&) sf nflu ljj/ 0fkqdf k|If] k0f ul/ Psf] jf;nft tyf gfkmf gf] S;fg lx;fasf dxnx¿ dWo] ;f] cjlwsf] jf: tljs ljj/ 0feGbf @) k|ltzt jf ;f] eGbf a9L km/ s kg{ uPsf] ;DaGwdf tkl;n adf] lhd pNn] v ul/ Psf] 5 .

jf;nftk"FhL tyf bfloTj jf: tljs k|If] lkt km/ s km/ s kgf{ sf] sf/ 0f

!= z] o/ k"FhL 230, 000, 000.00 200, 000, 000.00 15=00

@= hu] 8f tyf sf] ifx¿ 29, 268, 316.70 123, 229, 404.09 -76=25_ k|If] lkt ljj/ 0fdf nfef+z ljt/ 0fsf] Aoj: yf gu/ ] sf] n] #= C0fkq tyf j08 –

$= ltg{ afFsL shf{ ;fk6 – 25, 000, 000.00 -100_ clws t/ ntfsf sf/ 0f shf{ ;fk6 glnPsfn] %= lgIf] k bfloTj 2, 098, 722, 536.08 2, 010, 091, 763.00 4=41

^= e'QmfgL lbg'kg] { lanx¿ 388, 383.96 – 100=00 k|If] lkt ljj/ 0fdf e'QmfgL lbg'kg] { lanx¿nfO{ cGo bfloTjdf / flvPsf] &= k|: tfljt tyf e'QmfgL lbg afFsL nfef+z 9, 900, 000.00 – 100=00 k|If] lkt ljj/ 0fdf nfef+z ljt/ 0fsf] Aoj: yf gu/ ] sf] n] *= cfos/ bfloTj 321, 283.91 3, 561, 253.00 90=98 jf: tljs ljj/ 0fdf cfos/ bfloTj / clu|d cfos/ nfO{ ldnfg ul/ Psf] (= cGo bfloTj 32, 123, 157.40 28, 910, 080.00 7=66

s'n bfloTj 2, 399, 723, 678.05 2, 390, 792, 500.09 0=37

;DklQ!= gub df} Hbft 33, 296, 027.74 18, 000, 000.00 84=98 Pl6Pd d] lzg Pj+ zfvf j[ l4 ePsf] n] @= g] kfn / fi6« a} +sdf / x] sf] df} Hbft 118, 633, 283.56 110, 555, 047.00 7=31

#= a} s÷tyf ljLqLo ;+: yfdf / x] sf] df} Hbft 5, 246, 608.53 28, 340, 396.09 -81=49_ jf: tljs ljj/ 0fdf a} sdf / x] sf] df} HbftnfO{ dfu tyf cNk ;"rgfdf k|fKt x'g] / sddf b] vfOPsf]

$= dfu tyf cNk ;"rgfdf k|fKt x'g] / sd 407, 365, 364.60 240, 000, 000.00 69=74 jf: tljs ljj/ 0fdf a} sdf / x] sf] df} HbftnfO{ dfu tyf cNk ;"rgfdf k|fKt x'g] / sddf b] vfOPsf]

%= nufgL 6, 100, 000.00 170, 555, 047.00 -96=42_ k|If] lkt ljj/ 0fdf nufgL gePsf] ^= shf{ ;fk6 tyf ljn vl/ b 1, 785, 765, 357.39 1, 792, 034, 969.00 -0=35_

&= l: y/ ;DklQ 35, 281, 937.21 23, 496, 780.00 50=16 zfvf lj: tf/ sf sf/ 0f l: y/ ;DklQdf j[ l4 ePsf] *= u} +x| a} ls· ;DklQ — —

(= cGo ;DklQ 8, 035, 099.35 7, 810, 261.00 2=88

s'n ;DklQ 2, 399, 723, 678.05 2, 383, 578, 253.09 0=68

gfkmf gf] S;fg lx;faljj/ 0f jf: tljs k|If] lkt km/ s km/ s kgf{ sf] sf/ 0f

!= Aofh cfDbfgL 258, 779, 416.04 256, 768, 902.00 0=78

@= Aofh vr{ 153, 041, 346.64 157, 781, 297.00 -3=00_

v'b Aofh cfDbfgL 105, 738, 069.40 98, 987, 605.00 6=82

#= sdlzg tyf l8: sfpG6 3, 054, 664.55 23, 109, 201.00 -86=78_ k|If] lkt ljj/ 0fdf nufgLaf6 k|fKt x'g] Aofh;d] t b] vfOPsf] $= cGo ;~rfng cfDbfgL 20, 832, 698.99 – 100=00 k|If] lkt ljj/ 0fdf cGo ;~rfng cfDbfgLnfO{ sldzg tyf l8: sfp6df

b] vfOPsf] %= ;6xL 36a9 cfDbfgL 1, 778.89 – 100=00 k|If] lkt ljj/ 0fdf ;6xL 36a9 cfDbfgL gb] vfOPsf] s'n ;~rfng cfDbfgL 129, 627, 211.83 122, 096, 806.00 6=17

^= sd{ rf/ L vr{ 18, 759, 153.17 17, 788, 078.00 5=46

&= cGo ;~rfng vr{ 24, 076, 737.62 26, 270, 541.00 -8=35_

*= ;6xL 36a9 gf] S;fgL –

;Defljt gf] S;fgL Aoa;yf cl3sf] ;~rfng d'gfkmf

86, 791, 321.04 78, 038, 187.00 11=22

(= ;+efljt gf] S;fgL Aoj: yfx¿ 8, 183, 239.84 7, 240, 803.00 13=02

;~rfng d'gfkmf 78, 608, 081.20 70, 797, 384.00 11=03

!(= u} x| ;~rfng cfDbfgL÷ vr{ -36519.03_ – 100=00 k|If] lkt ljj/ 0fdf u} x| ;~rfng cfDbfgL÷vr{ gb] vfOPsf] !!= ;+efljt gf] S;fgL Aoj: yfaf6 lkmtf{ – – –

lgoldt sf/ f] af/ af6 ePsf] d'gfkmf 78, 571, 562.17 70, 797, 384.00 10=98

!@= c;fdfGo sf/ f] af/ x¿af6 ePsf] cfDbfgL vr{

3, 877.52 – 100=00 c;fdfGo sf/ f] jf/ af6 x'g] cfDbfgL vr{ k|If] lkt ljj/ 0fdf Joj: yf gul/ Psf]

;Dk"0f{ sf/ f] jf/ kl5sf] v'b d'gfkmf 78, 567, 684.65 70, 797, 384.00 10=98

!#= sd{ rf/ L af] g; Aoj: yf 7, 142, 516.79 6, 436, 126.00 10=98

!$= cfos/ Aoj: yf 21, 737, 385.51 19, 308, 377.00 12=58

o; jif{ sf] : yug s/ -cfDbfgL_÷vr{ -335469.36_ 100=00 : yug s/ k|If] lkt ljj/ 0fdf Joj: yf gul/ Psf] v'b gfkmf gf] S;fg 50, 023, 251.71 45, 052, 881.00 11=03





g] kfn / fi6« a} +sn] jflif{ s ljQLo ljj/ 0f k|sfzg ug{ : jLs[ lt k|bfg ubf{ cf} +NofPsf s} lkmot af/ ] df k|ltpQ/

g] kfn / fi6« a} +saf6 lbOPsf lgb] { zgx? ;DaGwdf ;~rfns ;ldltn] tkl;n adf] lhd lg0f{ o u/ L g] kfn / fi6« a} +sdf ;d] t k7fO ;lsPsf] 5 .

!_ ;~rfng hf] lvd;Fu ;DalGwt s} lkmotx?sf jf/ ] df cfjZos ;'wf/ ug{ Pjd\ cfufdL lbgdf To: tf uNtL sdhf] / L gbf] xf] ¥ofpg Joj: yfkgnfO{ lgb] { zg lbO;lsPsf] 5 .

@_ : jk|of] hgsf] nflu vl/ b ul/ Psf] hUuf l5§} g} k|of] udf NofOg] 5 . cGoyf laqmL u/ L ;f] sf] hfgsf/ L u/ fOg] 5 .

#_ ljQLo ljj/ 0fsf] cg';"rL g+ $=!& df ckl/ jTo{ shf{ k|ltj4tf jfktsf] / sd ;dfj] z u/ L tyf cg';"rL g+ $=#) df nufgL ;dfof] hg sf] if jfktsf] bf] xf] / f] / sd x6fO{ ;+;f] lwt ljQLo ljj/ 0f k|sfzg ul/ Psf] 5 .

$_ ;d: ofu|: t 3f] if0ff ePsf] uf] vf{ 8] enkd] 06 a} +sdf / x] sf] lgIf] k ?=#! xhf/ tyf dgsfdgf dgL PS;k|] ;af6 kfpg'kg] { / sd ?= % nfv $^ xhf/ sf] nflu ztk|ltzt gf] S;fgL Joj: yf ul/ ;lsPsf] 5 .

%_ hf] lvd Joj: yfkg ;ldltsf] e"ldsf k|efjsf/ L agfOg] 5 .

^_ n] vf k/ LIfsn] cf} +NofPsf s} lkmotx? k'gM gbf] xf] l/ g] u/ L cfjZos ;'wf/ ug{ Joj: yfkgnfO{ lgb] { zg lbO;lsPsf] 5 .

sfdgf ljsf; a} +s lnld6] 8sf] k|aGwkqdf k|: tfljt ;+;f] wg ;DaGwL tLg dxn] ljj/ 0f

;fljssf] Joj: yf k|: tfljt ;+;f] wg tyf yk Joj: yf sf/ 0f

% -v_ ljsf; a} +ssf] hf/ L k"+hL ?= @) s/ f] 8 x'g] 5 ;f] kF"hLnfO{ ?= !)) sf b/ sf @), )), ))).–-jL; nfv_ yfg ;fwf/ 0f z] o/ df ljefhg ul/ Psf] 5 .

@_ ljsf; a} +ssf] r'Qmf k"+hL ?= !# s/ f] 8 x'g] 5 . ;j{ ;fwf/ 0fnfO{ z] o/ lg: sf;g kl5 r'Qmf k"FhL @) s/ f] 8 x'g] 5 .

%-v_ ljsf; a} +ssf] hf/ L k"FhL ?=@# s/ f] 8 x'g] 5 . ;f] kF"hLnfO{ ?=!)) sf b/ sf @#, )), ))).– -t] O; nfv_ yfg ;fwf/ 0f z] o/ df ljefhg ul/ Psf] 5 .

@=_ ljsf; a} +ssf] r'Qmf k"+hL ?= @# s/ f] 8 x'g] 5 . ;f] kF"hLnfO{ ? !)) b/ sf @#, )), ))).–-t] O; nfv_ yfg ;fwf/ 0f z] o/ df ljefhg ul/ Psf] 5 .

jf] g; z] o/ ljt/ 0f u/ ] sf] n]

sfdgf ljsf; a} +s lnld6] 8sf] lgodfjnLdf k|: tfljt ;+;f] wg ;DaGwL tLg dxn] ljj/ 0f;fljssf] Joj: yf k|: tfljt ;+;f] wg sf/ 0f

#!= ;~rfnssf] kfl/ >lds, eQf / ;"ljwf ;DaGwL Joj: yf M!-u_ ljsf; a} +ssf] sfdsf] l;nl;nfdf

;+rfnsx?nfO{ k|bfg ul/ g] b} lgs eQf b] xfo adf] ] lhd x'g] 5 .

-c_ b} lgs eQf ? @, ))).–

-3_ gePsf] .

#!= ;~rfnssf] kfl/ >lds, eQf / ;"ljwf ;DaGwL Joj: yf M!=-u_ ;+rfns ;ldltsf cWoIf tyf ;b: ox? ;ef,

;Dd] ng, uf] i7L / ;+rfns ;ldltsf] a} 7s nufPtsf sfo{ df ;xefuL x'Fbf ;+rfnsx?nfO{ k|bfg ul/ g] b} lgs eQf tyf e|d0f vr{ b] xfo jdf] lhd x'g] 5 .

-c_ b} lgs eQf ? #, ))).– -cf_ ljsf; a} +ssf] ;jf/ L ;fwgsf] cnfjf ;fj{ hlgs

;jf/ L ;fwg k|of] u ubf{ oftfoft vr{ lan adf] lhd x'g] 5 . af; vr{ lan adf] lhd jf a9Ldf b}lgs ?=@, %)).– x'g] 5 .

-3_ ;+rfns ;ldltsf cWoIf Pjd\ ;b: ox?nfO{ kqklqsf / 6] lnkmf] g vr{ jfkt dfl;s ?= @, ))).– k|bfg ul/ g] 5 .

;do ;fk] If kl/ jt{ g ug'{ kg] { ePsf] n] .



gf] 6 tyf l6Kk0fLx¿



gf] 6 tyf l6Kk0fLx¿



;~rfns ;ldlt Joj:yfkg ;d"x

/fh]Gb|lglw sf]O/fnfcWoIf

pd]z s'df/ cfrfo{k|d'v sfo{sf/L clws[t

Ps/fh hd/s§]n;~rfns

v]dgfy e§/fO{;~rfns

l/a axfb'/ yfkf;~rfns

b]js[i0f sfŠn];~rfns

/fdsfhL >]i7;~rfns–;j{;fwf/0f

b]jfg u'?ª;~rfns–;j{;fwf/0f

/fds'df/ lkof;~rfns–;j{;fwf/0f

6'j/fh af:tf]nf;xfos dxf–k|aGws

xl/axfb'/ a'9fyf]sLzfvf k|aGws-d'Vo zfvf_

;~ho e08f/Lzfvf k|d'v

-9'·]kf6g zfvf_

ljZj /fh clwsf/Lgfoj k|aGws÷zfvf k|aGws

-kf]v/f zfvf_

zflns/fd clwsf/Lzfvf k|aGws

-;[hgfrf]s zfvf_

ljqmd k/fh'nLzfvf k|d'v

-zf/bfgu/ zfvf_

lji0f' k|;fb uf}tdjl/i7 clws[t

k|d'v – ;~rfng ljefu

;~ho /]UdLzfvf k|aGws

-gf/fo0fu9 zfvf_

;'lgn Gof}kfg]zfvf k|d'v

-bnbn] zfvf_

ljsf; 9'+ufgfjl/i7 clws[t

k|d'v – cfGtl/s n]vf k/LIf0f ljefu

dx]z clwsf/Lzfvf k|aGws-8'd|] zfvf_

nfnaxfb'/ If]qLk|d'v ;"rgf k|ljlw

ljgf]b e§/fO{zfvf k|aGws-v'/v'/] zfvf_

dgf]h vgfnk|d'v

-afO;hfFu/ sfp06/_


60 ;ftf} + jflif{ s k|ltj] bgPartner for AdvancementP.O.Box: 71, URL: www.kamanabank.com.np, Email: [email protected]

zfvf sfof{nox¿

PS;6]G;g sfp06/ M k'sf]{6–#, afO{; hf“u/, tgx'“, kmf]g M ((#^%!)$)

d'Vo zfvf sfof{no M 8f“8fsf]gfs, n]vgfy, sf:sLkmf]g M )^!–%^)#)), %^)&))

ÇofS; M )^!–%^)$((

8'd|] ahf/, tgx'Fkmf]g M )^%–%*)!*%ÇofS; M )^%–%*)!#!

lrKn]9'·f, kf]v/fkmf]g M )^!–%@*@)@, %@*@)#

ÇofS; M )^!–%@*$((

gf/fo0fu9, lrtjgkmf]g M )%^–%&)@)^, %&)@)&

ÇofS; M )%^–%&)@)*

;[hgfrf]s, kf]v/fkmf]g M )^!–%#@*!%ÇofS; M )^!–%@%#!$

9'·]kf6g, sf:sLkmf]g M )^!–%^!&#*

ÇofS; M )^!–%^!&$(

v'/v'/], lrtjgkmf]g M )%^–%*#&%!

ÇofS; M )%^–%*#&%@

zf/bfgu/, lrtjgkmf]g M )%^–%(@@)*

ÇofS; M )%^–%(@$)(

bnbn], k|ultgu/, gjnk/f;Lkmf]g M )&*–%&%%^%ÇofS; M )&*–%&%%^^


cf=j= @)^(÷)&)

7 th

Annual Report

s]Gb|Lo sfof{no M ;[hgfrf]s, kf]v/f–*, sf:sLkmf]g M )^!–%#(^&@, %#(^&#, km\ofS; M %#&$((

s]Gb|Lo sfof{no M ;[hgfrf]s, kf]v/f–*, sf:sL

kmf]g M )^!–%#(^&@, %#(^&#, km\ofS; M %#&$((


Documents

cf=j= @)^(÷)&) thAnnual Report...P.O.Box: 71, URL: , Email: [email protected] Partner for Advancement zfvf sfof{nox¿ PS;6]G;g sfp06/ M k'sf]{6–#, afO{; hf“u/, tgx