g]kfn nfOkm OG:of]/]G; sDkgL lnld6]8sf] - nepallife.com.npnepallife.com.np/images/NepalLife-AnnualReport-2072-73.pdf · @= ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ lgo'St ug{ rfxg]

$Page 1: g]kfn nfOkm OG:of]/]G; sDkgL lnld6]8sf] - nepallife.com.npnepallife.com.np/images/NepalLife-AnnualReport-2072-73.pdf · @= ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ lgo'St ug{ rfxg]$


g]kfn nfOkm OG:of]/]G; sDkgL lnld6]8sf]/lhi68{ sfof{no — d]g/f]8, aL/u+h -k;f{_

k|wfg sfof{no —x]l/6]h Knfhf, sdnfbL, sf7df8f}+sf]

;qf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgfcfb/0fLo z]o/wgL dxfg'efjx?,o; sDkgLsf] ldlt @)&#÷!!÷!& ut] a;]sf] ;+rfns ;ldltsf] @$$cf}+ a}+7ssf] lg0f{o adf]lhd sDkgLsf]] ;qf}+ jflif{s ;fwf/0f ;ef lgDg laifox?df 5nkmn ug{ b]xfo adf]lhdsf] ldlt, ;do / :yfgdf a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

ldltM— @)&# ;fn r}q !$ ut] -tbg';f/ @& dfr{ @)!&_ ;f]daf/ ;doM— laxfg (M#) ah] :yfgM— xf]6n leijf, aL/u+h -k;f{_

5nkmnsf] ljifo;"rLx?s_ ;fdfGo k|:tfj!= ;+rfns ;ldltsf tkm{af6 cWoIfHo"af6 k]z x'g] cf=j=@)&@.)&# sf] jflif{s k|ltj]bg kfl/t ug]{ .

@= n]vf k/LIfssf] k|ltj]bg ;lxtsf] @)&# ;fn cfiff9 d;fGtsf] jf;nft, ;f]xL ldltdf ;dfKt ePsf] cfly{s jif{ @)&@÷)&#

sf] cfo Joo lx;fj, gfkmf÷gf]S;fg lx;fj / ;f]xL cjlwsf] gub k|jfx ljj/0f :jLs[t ug]{ .

#= n]vf k/LIf0f ;ldltsf] l;kmfl/; adf]lhd cf=j=@)&#÷)&$ sf] nflu n]vf kl/Ifs lgo'lSt ug]{ tyf gLhsf] kfl/>lds

lgwf{/0f ug]{ . -at{dfg n]vfkl/Ifs >L hf]zL P08 e08f/L, rf6{8{ PsfpG6]G;\ k'gM lgo'St x'g ;Sg' x'g]5 _

$= ;+rfns ;ldltn] k|:tfj u/] adf]lhd af]g; z]o/ afktsf] s/ k|of]hgfy{ ?=#,@%,(#,(*^÷– gub nfef+z ljt/0f ug{

:jLs[t ug]{{ .

%= ;+:yfks z]o/wgL ;d'x -s_ af6 ;+rfns ;ldltdf k|ltlglwTj ug]{ $ -rf/_ hgf ;+rfnssf] lgjf{rg ug]{ .

v_ laz]if k|:tfj!= ;+rfns ;ldltn] k|:tfj u/] adf]lhd @)&# cfiff9 d;fGt;Dddf sfod r'Stf k"FhLdf yk ;fwf/0f z]o/ lgZsf;g (Further

Public Offering) kZrft sfod x'g] r'Stf k"FhL ?=@,$&,&!,$@,())÷–sf] @% k|ltzt cyf{t ?=^!,(@,*%,&@%÷–sf] af]g; z]o/

hf/L ug]{ k|:tfj kfl/t ug]{ . af]g; z]o/ lat/0f ubf{ sfod x'g cfpg] bzdnj kl5sf] c+snfO{ ;DaGwLt z]o/wgLsf] gfddf kl5 ;dfof]hg ug]{ ul/ oyfjt /fVg] .

@= af]g; z]o/ hf/L u/] kZrft x'g] z]o/ ;+/rgf adf]lhd hf/L k"FhL tyf r'Stf k"FhLnfO{ tbg'?k a[l4 ug]{ ;fy} sDkgLsf]

k|jGwkq tyf lgodfjnLdf ;+zf]wg ug]{ k|:tfj kfl/t ug]{ .

#= sDkgLsf] k|jGwkq tyf lgodfjnLdf k|:tfj eP adf]lhd ;+zf]wg ug]{ . sDkgLsf] k|jGwkq tyf lgodfjnLsf] k|:tflat ;+zf]wgdf ;DaGwLt lgsfoaf6 s'g} km]/abn jf ;'emfj ePdf ;f] ;'emfj adf]lhd cfjZos km]/abn ug{] clVtof/L ;+rfns ;ldlt jf ;ldltn] tf]s]sf] JolStnfO{ lbg] k|:tfj kfl/t ug]{ .

$= ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf @)&# adf]lhd ;+rfns ;ldlt tyf pk;ldltsf] a}7s eQf tyf cGo ;'lawf af/] .

%= ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf @)&# sf] lgb]{zg g+=!@-@_ adf]lhd k|d'v sfo{sf/L clws[tsf] kfl/>lds af/] .^= sDkgL P]g sf] bkmf !)%-!_-u_ adf]lhd cf=j=@)&@.)&# df rGbf lzif{s cGt{ut ePsf] vr{ cg'df]bg ug]{ .

u_ ljljw;+rfns ;ldltsf] cf1fn]

sDkgL ;lra

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

!= ;efdf pkl:yt x'g] z]o/wgL dxfg'efjx?n] ;ef xndf k|j]zsf] nflu ;Ssn z]o/ k|df0fkq jf lxtu|fxL vftf vf]lnPsf] sfuhft, k|sflzt k|j]zkq cyjf cfkm\gf] s'g} cflwsfl/s kl/rokq ;fydf lnO{ cfpg' x'g cg'/f]w 5 .

@= ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ lgo'St ug{ rfxg] z]o/wgLn] ;f] ;DaGwL lgj]bg ldlt @)&#.!@.!) ut] ck/fGX %=)) ah]leq sDkgLsf] /lhi68{ sfof{no aL/u+h jf k|wfg sfof{no, sf7df8f}+df btf{ u/fO{ ;Sg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'St ul/Psf] JolSt sDkgLsf] z]o/wgL x'g' cfjZos 5 .

#= sDkgLsf] z]o/ bflvn vf/]hsf] sfd ldlt @)&#.!!.@& ut] b]lv @)&#.!@.!$ ut];Dd aGb /xg]5 . ldlt @)&#.!!.@^ ut];Dd g]kfn :6s PS;r]Gh ln=df sf/f]af/ ePsf ;Dk"0f{ z]o/x? bflvn vf/]hLsf nflu ldlt @)&#.!@.)& ut] % ah]leq sDkgLdf k|fKt eO{;Sg'kg]{5 . ;f]xL adf]lhd btf{ lstfadf sfod tyf l;l8P; P08 lSnol/8 ln= df sfod z]o/wgLx?n] dfq ;f] ;efaf6 kfl/t gub nfef+z tyf af]g; z]o/ k|fKt ug{ ;Sg]5g\ .

$= k|:tfljt nfef+z @)&# cfiff9 d;fGt;Dddf sfod r'Stf k"FhLsf] #)=)* k|ltzt -s/ ;lxt_ tyf yk ;fwf/0f z]o/ lgisf;g -Pkm=lk=cf]=_ lat/0f u/]kZrft sfod x'g] r'Stf k"FhLsf] @^=#! k|ltzt -s/ ;lxt_ x'g]5 .

%= ;efdf efu lng k|To]s z]o/wgL dxfg'efjn] ;ef x'g] :yfgdf pkl:yt eO{ ;ef:yndf /x]sf] xflh/L k'l:tsfdf b:tvt ug'{kg]{5 . xflh/L k'l:tsf laxfg (M)) ah]b]lv v'Nnf /xg]5 .

^= 5nkmnsf laifodWo] ljljw lzif{s cGt{ut 5nkmn ug{ O{R5's z]o/wgLx?n] ;ef x'g'eGbf & lbg cufj} 5nkmnsf] laifo sDkgL ;lra dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'kg]{5 . ;f] laifo cWoIfHo"sf] cg'dltn] ;efdf 5nkmnsf nflu NofO{P klg k|:tfj jf lg0f{osf] ?kdf sfof{Gjog ul/g] 5}g .

&= ;+rfns kbdf pDd]bjf/ x'g rfxg] z]o/wgLn] cfkm\gf] gfddf sDtLdf !)) lsQf z]o/ lnPsf] x'g'kg]{5 .

*= ;+rfns lgjf{rg ;DaGwL sfo{s|d lgjf{rg clws[tn] ;"rgf k|sflzt u/] adf]lhd x'g]5 . pSt lgjf{rg ;DaGwL ;"rgf tyf sfo{s|d sDkgLsf] k|wfg sfof{no, x]l/6]h Knfhf, sdnfbL, sf7df8f}+sf] ;'rgf kf6Ldf 6fF; ul/g]5 .

(= ;fwf/0f;ef ;DaGwL yk hfgsf/Lsf nflu sDkgLsf] k|wfg sfof{no, x]l/6]h Knfhf, sdnfbL, sf7df8f}+df ;Dks{ /fVg' x'g cg'/f]w 5 .

!)= s'g} Ps z]o/wgLn] Ps eGbf a9L AolQmnfO{ k|ltlgwL lgo'QmL u/L k7fPsf]df h;sf] lgo'QmL ;a}eGbf cl3Nnf] ldltdf sDkgLdf k|fKt x'G5 lghnfO{ dfq k|ltlgwLsf] x}l;otn] ;efdf efu lng] / dtbfg ug]{ clwsf/ x'g]5 .

!!= ;efdf efu lng k|ltlgwL lgo'Qm ul/;s]kl5 z]o/wgLx?n] k|ltlgwL km]/abn ug{ rfx]df ldlt @)&#÷!@÷!) ut] ck/fGx %M)) ah] leq ;f]sf] ;"rgf sDkgLsf] /lhi68{ sfof{no aL/uGh jf k|wfg sfof{no sf7df08f}df btf{ u/fO;Sg' kg]{5 .

!@= z]o/wgLx?n] AoQm u/]sf] dGtAo jf k|Zgx?sf] ;DaGwdf ;+rfns ;ldltsf] tkm{af6 ;+rfnsx?n] ;fd'lxs ?kdf cyjf cWoIfHo"n] tf]s]sf] cflwsf/Ls AolQmaf6 pQ/ lbOg]5 .

!#= ;+o'Qm ?kdf z]o/ vl/b ul/Psf] cj:yfdf sDkgLsf] z]o/ nut lstfjdf klxn] gfd pNn]v ePsf] AolQm cyjf ;a{;Ddtaf6 k|ltlglw lgo'Qm ul/Psf] Ps AolQmn] dfq ;efdf efu lng kfpg]5

!$= gfafns jf lalIfKt z]o/wgLsf] tkm{af6 sDkgLsf] z]o/ nut lstfjdf ;+/Ifssf] ?kdf gfd btf{ ePsf] AolQmn] ;efdf efu lng jf k|ltlglw tf]Sg kfpg]5g\ .

!%= ;'/Iffsf] b[li6sf]0fn] z]o/wgL dxfg'efjx? ;ef:yndf cfpbf emf]nf -Aofu _ h:tf a:t'x? glnO cfpg'x'g cg'/f]w

ul/G5 . cfjZos b]lvPdf ;'/IffsdL{n] ;'/Iff hfFr ug{ ;Sg] ePsf] xF'bf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]t cg'/f]w ul/G5 .

/lhi68{ sfof{no — d]g/f]8, lj/u~h -k;f{_

k|wfg sfof{no — x]l/6]h Knfhf, sdnfbL, sf7df8f}+

>L ;~rfns ;ldlt

g]kfn nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{no, lj/u~h, g]kfn .

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

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

= n] o; sDkgLsf] z]o/wgLsf] x}l;otn] @)&#÷!@÷!$ ut], ;f]daf/sf lbg x'g] sDkgLsf] !& cf}+ jflif{s ;fwf/0f ;efdf d÷xfdL :jo+

pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu ===============

========================================== lhNnf =========================================================================g=kf=÷uf=lj=;= j8f g+= ============================================================a:g] >L ======================================================================================================== nfO{

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

lgj]bssf] b:tvt Mk|ltlglw lgo'Qm ePsf] JolQmsf] gfdM x:tfIf/sf] gd"gfM 7]]ufgfMz]o/k|df0fkq g+=M z]o/ k|df0fkq g+=Mz]o/wgL÷lxtu|fxL kl/ro g+= z]o/wgL÷lxtu|fxL kl/ro g+=ldltM z]o/ ;+VofM

/lhi68{ sfof{no — d]g/f]8, lj/u~h -k;f{_ k|wfg sfof{no — x]l/6]h Knfhf, sdnfbL, sf7df8f}+

k|j]z kq

z]o/wgLsf] gfd ===============================================================================================================================================================================z]o/wgL÷lxtu|fxL kl/ro g+===============================================================z]o/ ;+Vof

=========================================================ldlt @)&#÷!@÷!$ ut], ;f]daf/sf lbg x'g] g]kfn nfOkm OG:of]/]G; sDkgL lnld6]8sf] !& cf}+ jflif{s ;fwf/0f ;efdf

pkl:yt x'g hf/L ul/Psf] k|j]zkq . ============================================================

z]o/wgLsf] b:tvt

b|Z6JoM ================================================================!_ z]o/wgL cfkm}+n] vfnL sf]i7x? eg{' xf]nf . cf]dk|sfz k'8f;}gL

@_ ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug{' clgjfo{ 5 . sDkgL ;lrj


ljifo ;"rL

sDkgL kl/ro

kl/sNkgf÷cleofg

cWoIfHo"sf] dGtJo

k|d'v sfo{sf/L clws[tHo"sf] dGtJo

! ;~rfns ;ldltsf] jflif{s k|ltj]bg

@) n]vfk/LIfssf] k|ltj]bg

@@ jf;nft

@# gfkmf gf]S;fg lx;fa

@$ gub k|jfx ljj/0f

@% cfo—Joosf] lx;fa

cg';"rLx? -!–#!_

– ljlQo ljj/0f ;DaGwdf aLdf ;ldltaf6 k|fKt :jLs[lt kq

– k|aGwkq tyf lgodfjnLdf ;+zf]wg k|:tfj

– hLjg aLdf of]hgfx?

sDkgL kl/ro g]kfnn] canDag u/]sf] cfly{s pbf/Ls/0f gLlt ;Fu} cfdg]kfnL hLjgsf] ;'/Iff / ;Da[l4sf] rfxgfnfO{ kl/k"tL{ ug{] p2]Zon] lghL If]qsf VoftLk|fKt cf}Bf]lus tyf Jofkfl/s 3/fgfx?sf] ;d"xaf6 ldlt @)%*÷)!÷@! df k|rlnt sDkgL P]g tyf aLdf P]g @)$( cGtu{t klAns lnld6]8 sDkgLsf] ?kdf o; sDkgL :yfkgf ePsf] xf] . hLjg aLdf Ps bL3{sflng k|s[ltsf] Joj;fo /x]sf] tYonfO{ x[boËd ub{} sDkgLn] kf/blz{tf / hjfkmb]lxtfnfO{ klxnf] k|fyldstfdf /fVb} cfPsf] 5 . r':t cfGtl/s lgoGq0f k|0ffnL tyf ;+:yfut ;'zf;gsf] dfWodaf6 sDkgLn] ;kmntfsf] ;f]x|f}+ jif{ kf/ u/L hLjg aLdf Joj;fosf] If]qdf cfkm"nfO{ Ps cu|0fL sDkgLsf] ?kdf pEofpg ;kmn ePsf] 5 .o; sDkgLsf] clws[t k'FhL ?= % ca{ tyf hf/L tyf r'Stf k'FhL ?= @$&=&! s/f]8 /x]sf] 5 . sDkgLn] 3f]if0ff u/]sf] af]g; z]o/ ljt/0f kZrft r'Stf k'FhL / hf/L k'FhL ?= #)(=^$ s/f]8 x'g]5 . o; sDkgLn] hd{gL l:yt ljZjsf] VoftLk|fKt, k'g{aLdf sDkgL x\ofgcf]e/ l/–OG:of]/]G; sDkgL;Fu k'g{aLdf u/]sf] 5 .sDkgLn] cfd hgtfsf] ;'/Iff / ;Da[l4sf] rfxgfnfO{ Wofgdf /fVb} km/s km/s aLdf of]hgfx? sfof{Gjogdf NofPsf] 5 . o; If]qdf cfgf] ljlzi7 klxrfg :yfkgf ug{ sDkgLn] g]kfn nfOkm lsgls hLjg cd"No 5=== eGg] a|f08nfO{ ;zQm agfpFb} cfPsf] 5 .

kl/sNkgf (VISION)Ps ;zQm hLjg aLdf sDkgLsf] dfWodaf6 k|To]s kl/jf/sf] ;'/Iff / ;Da[l4sf] rfxgfnfO{ k'/f ub{} pgLx?nfO{ cfly{s ?kdf ;'/lIft agfO{ g]kfnsf k|To]s gful/ssf] of]ubfgaf6 Ps :j:y, ;Da[4 /fi6« lgdf{0f ug]{ .

cleofg (MISSION) ;dfhsf k|To]s tx / tKsfsf dflg;x?sf] cfly{s / ;fdflhs cfjZostfsf] kl/k"lt{sf nflu ljleGg lsl;d / k|s[ltsf cfsif{s aLdf of]hgfx? th"{df u/L cfgf u|fxsx?nfO{ ;bf pRrtd / u'0f:tl/o aLdf ;]jf k|bfg ug]{ .


g]kfn nfOkm OG:of]/]G; sDkgL lnld6]8sf] ;qf}+ aflif{s ;fwf/0f ;efdf kfNg' ePsf ;Dk"0f{ z]o/wgL Pj+ cfdlGqt dxfg'efjx?df xflb{s :jfut clejfbg ub{5' . ;ldIff aif{ xfd|f nflu ;kmntfsf] csf]{ aif{sf] ?kdf ?kdf /xg uPsf] 5 . pSt cjlwdf sDkgLn] gofF Joj;foaf6 dfq} ?=#*$ s/f]8 eGbf al9 aLdf z"Ns ;+sng ul/ gofF Joj;fosf cfwf/df ;jf{lws ahf/lx:;f cf]u6\g ;kmn ePsf 5f}+ . pSt cjlwdf

;du| hLjg aLdf If]qn] ?= #!=!% ca{ aLdf z'Ns

;+sng u/]sf]df o; sDkgLn] dfq} !)=@^ ca{ s'n

aLdfz'Ns ;+sng ul/ ;jf{lws sl/a ## k|ltzt

ahf/lx:;f xfl;n ug{ ;kmn ePsf] tYo o; ;efdf

hfgsf/L u/fpFg kfpFbf v'zL nfu]sf] 5 . sDkgLsf]

;do;fk]If Joj;flos /0fgLltx? / ;f]sf] ;kmn

sfof{Gjogaf6 g} o; If]qdf cu|0fL :yfg xfl;n ug{

;kmn ePsf] xf] . o; ;kmntfsf nflu ;Da4 ;a}df

xflb{s awfO{ Pj+ z'esfdgf JoSt ub{5f}+ .

sDkgLn] hf/L u/]sf] yk ;fwf/0f z]o/ lgisf;g

(FPO) df nufgLstf{x?sf] pT;fxhgs ;xeflutf ePsf] 5 . sDkgL k|ltsf] cuf9 laZjf;sf] nflu ;Dk"0f{ nufgLstf{x?df xflb{s wGoafb 1fkg ug{

rfxG5' . yk ;fwf/0f z]o/ lgZsf;g dfkm{t ;+slnt

lk|ldod /sd hu]8f sf]ifdf /xg] ePsf]n] o;n] sDkgLsf] lalQo Ifdtf clea[l4df ;3fp k'/\ofpg] laZjf; lnPsf 5f}+ . Pkm=lk=cf] dfkm{t ;j{;fwf/0f

z]o/wgLx?sf] lx:;fdf a[l4 eO{ ;j{;fwf/0f

z]o/wgLx?sf] lhDd]jf/L cem Jofks Pj+ km/flsnf] ag]sf] 5 . sDkgLn] nuftf/ t];|f] k6s Best Managed Life Insurance Company award tyf

cGt/f{li6«o k/fdz{bftf Frost & Sulivan sf]

Best Practices Award k|fKt u/]sf] 5 . hLjg aLdf If]qsf] lasf; / la:tf/df sDkgLn] v]n]sf] e"ldsfsf] ;Ddfgsf] ?kdf o; k'/:sf/nfO{ lnPsf 5f}+ . cfufdL lbgdf ;d]t o; If]qsf] lasf;df lhDd]jf/Lk"0f{ e"ldsf lgjf{x ug]{ 5f}+ . sDkgLsf] lalQo Ifdtf cg'?k r'Stf k"FhLnfO{ a9fpb} n}hfg] s|ddf z]o/wgLx?nfO{ r'Stf k"FhLsf] @% k|ltzt af]g; z]o/ tyf s/ k|of]hgsf nflu !=#! k|ltzt gub nfef+z k|:tfj u/]sf 5f}+ . sDkgLsf] o;

k|:tfjnfO{ z]o/wgL dxfg'efjx?n] cToGt ;sf/fTds

?kdf lng'x'g] laZjf; lnPsf 5f}+ .

>L aLdf ;ldltaf6 hf/L ul/Psf] nufgL gLlt cg'?k

sDkgLn] nufgLnfO{ bLuf] / e/kbf]{ If]qdf la:tf/ ul/

k|lts'n kl/l:yltsf afah'b s'n nufgLsf] cf}ift

k|ltkmn *=@& k|ltzt sfod ug{ ;kmn ePsf 5f}+ .

hLjg aLdfdf nufgLsf] cf}ift k|ltkmn a[l4 x'Fbf

;Da4 ;a} kIfx?n] nfe xfl;n ug]{ ePsf]n] nufgL

lalalws/0fsf] dfWodaf6 cf}ift k|ltkmn a[l4 ug{

sDkgL k|of;/tM /xb} cfPsf] 5 .

cGTodf, sDkgLsf] ;';+rfngdf xfdLnfO{ k|fKt

eO{/x]sf] lg/Gt/ ;xof]u / k|f]T;fxgsf nflu d >L

aLdf ;ldlt, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]Gh lnld6]8 nufot cGo ;Da4 lgsfox? k|lt xflb{s s[t1tf JoSt

ub{5' . ;fy} xfd|f cfb/0fLo z]o/wgLx?, aLldt

Pj+ clestf{x?n] o; sDkgL k|lt b]vfpg' ePsf] b[9 laZjf;sf] lglDt xflb{s wGoafb JoSt ub{5' . o;}ul/, sDkgLsf] lasf; / la:tf/df ;bf ls|oflzn

;+rfnsx? tyf sd{rf/Lau{ k|lt wGoafb JoSt ub}{

cfufdL lbgx?df klg ;bfem} ;xof]u / z'e]R5f k|fKt eO{/xg] laZjf; lnPsf] 5' .

wGoafb .

;qf}+ jflif{s ;fwf/0f ;efdf cWoIf >L /d]z u'Ktf Ho" af6 k|:t't dGtJo


;qf}+ aflif{s ;fwf/0f ;efdf kfNg' ePsf ;Dk"0f{

dxfg'efjx?df xflb{s :jfut clejfbg ub{5' . ;bf

em} cf=j=@)&@.)&# df klg hLjg aLdf If]qsf] cu|0fL

sDkgLsf] ?kdf /xg kfpFbf Hofb} v'zL nfu]sf] 5 .

laut s]xL aif{b]lv d'n'ssf] cfly{s kl/;"rsx?df

hLjg aLdf If]qsf] lasf;sf] kl/;"rs ;sf/fTds b]lvb}

cfPsf] 5 . o;} s|ddf d'n'sdf uPsf] lagf;sf/L e"sDk

kZrft cfly{s jif{ @)&@÷&# df d'n'ssf] ;dli6ut

cfly{s l:ylt ck]Iffs[t x'g g;ls ;]jf If]qsf]

la:tf/df ;d]t sdL cfPsf] cj:yfdf ;du| hLjg aLdf

Joj;fo eg] ;Gtf]ifhgs b]lvPsf] 5 . cf=j=@)&@.)&#

df hLjg aLdf Joj;foaf6 sl/a ?=#!=!% ca{sf] s'n

aLdfz"Ns ;+sng eO{ ;du| Joj;fosf] a[l4b/ sl/a

@%Ü /x]sf]df sDkgLsf] Joj;fo a[l4b/ sl/a @&Ü

/x]sf] 5 . ;ldIff jif{df s'n aLdfz"Nsdf sl/a ##Ü

tyf k|yd jif{ aLdf z"Nssf cfwf/df sl/a #$Ü

ahf/lx:;f cf]u6L cu|:yfg xfl;n ug{ ;kmn ePsf]

tYo o; ul/dfdo ;efdf hfgsf/L u/fpgF kfpFbf

cToGt} v'zL nfu]sf] 5 .

;ldIff cjlwdf a}lsË t/ntf kof{Kt ePsf sf/0f

d'4lt lgIf]ksf] Jofhb/ Hofb} g} Go"g /xg uPsf]n]

sDkgLsf] cf}ift k|ltkmn ;Gt'ngdf /fVg Hofb} r'gf}ltk"0f{

/x]sf]df nufgL laljlws/0f tyf laleGg cGo pkfosf]

dfWodaf6 cf}ift k|ltkmnnfO{ *=@& k|ltzt sfod /fVg

;kmn eO{ aLldt tyf nufgLstf{nfO{ plrt k|ltkmn

k|bfg ug{ ;kmn ePsf 5f}+ .

sDkgLn] cfkm\gf] Joj;fo a[l4 Hofb} cfs|fds ?kn]

ub}{ hLjg aLdf sf]ifdf ;ldIff aif{df ?=*=^( ca{ yk

ul/ sl/a ?=#!=$! ca{ k'/\ofpg ;kmn ePsf] 5 .

Joj;fo a[l4 ;+u} sDkgLn] cfkm\gf] r'Stf k'FhLnfO{ ;d]t

a9fpb} uPsf] 5 . rfn' cf=j=df yk ;fwf/0f lgisf;g [FPO] dfkm{t ?=$=$! ca{ leq\ofpg ;kmn eO{ cfkm\gf]

k"FhLsf]ifnfO{ ;an agfpg ;kmn ePsf] 5 . sDkgLsf]

yk ;fwf/0f z]o/ lgisf;gdf nufgLstf{x?sf]

pT;fxhgs ;xeflutf eO{ sl/a !@=$! u'0ff cfj]bg

kg{ uPsf] 5 . sDkgL k|ltsf] nufj / laZjf;sf]

nflu ;Dk"0f{ cfj]bsx?df xflb{s wGoafb 1fkg ug{

rfxG5' . ;ldIff cjlwdf sDkgLn] cfkmgf] ;f]Ne]G;L

dflh{g @=&$ sfod ug{ ;kmn ePsf] 5 h'g FPO

kZrft cem ;an x'g] laZjf; lnPsf] 5' .

hLjg aLdfsf] la:tf/ s|dzM x'b} hfbf cfd dflg;df

hLjg aLdf ;DaGwL cfwf/e"t 1fg, ;lx ;'rgf ;Dk|]if0f

tyf k|ltkmnsf af/]df ;d]t Jofks hgr]tgf la:tf/

ug{ cfjZos 5 . o;n] cfd dflg;df pko'St

sDkgLsf] 5gf}6sf] cj;/ k|bfg ug]{ eO{ cGttf]uTjf

aLldt :jo+n] t'ngfTds nfe xfl;n ub{5 . sDkgLsf]

Æ;a}sf nflu hLjg aLdf, lsgsL hLjg cd"No 5æ eGg]

d"n gf/fnfO{ ;fdflhs hfu/0fsf ;femf gf/fsf] ?kdf

cufl8 a9fpg ;s] hLjg aLdf If]q d'n'ssf] lasf;sf

nflu cfjZos k"FhL lgdf{0fsf] a}slNks If]qsf] ?kdf

cufl8 cfpg] lglZrt 5 .

cGTodf, sDkgLsf] ;';+rfngsf nflu xfdLnfO{ ;fy

lbg'x'g] >L aLdf ;ldlt, ;+rfns ;ldlt, sd{rf/L,

clestf{ Pj+ ;Da4 ;a}df xflb{s cfef/ k|s6 ub{5' .

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cWoIf >L /d]z u'Ktf>L /d]z u'KtfHo" ljleGg pBf]u Joj;fosf If]qdf ls|oflzn Pj+ ;kmn

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Joj;flos k|lti7fg nSsL u|'ksf] g]t[Tj ub}{ cfpg' ePsf] 5 . nSsL u|'k

laleGg Joj;flos If]qx? h:t}M l;d]G6 pBf]u, jg:klt l3p, xfO{8«f]kfj/,

l/on :6]6 Pj+ cfoft lgof{t Joj;fodf ;+nUg /x]sf] 5 . g]kfnsf]

cf}Bf]lus lasf;df gLhL If]qsf] e'ldsfnfO{ :yflkt ug]{ sfo{df ;d]t

pxfFn] ;ls|o of]ubfg k'¥ofpFb} cfpg' ePsf] 5 .

;~rfns >L /fd cjtf/ cu|jfn>L /fd cjtf/ cu|jfnHo"n] sDkgLsf] ;~rfns ;ldltdf ;+:yfks

;d'xaf6 k|ltlglwTj ul//xg' ePsf] 5 . pxfFn] @^ jif{ eGbf al9 ;do

al/i7 O{lGhlgo/sf] ?kdf g]kfn ;/sf/sf] ljleGg ;/sf/L kbdf Pj+

ljleGg l;+rfO{ tyf lgdf{0f kl/of]hgfx?sf] of]hgf k|d'vsf] ?kdf ;d]t sfo{ ug'{ePsf] 5 . xfn pxfF ljleGg pBd Joj;fodf ls|oflzn /xb}

ljleGg ;fdflhs sfo{x?df ;d]t ;+nUg /xb} cfpg' ePsf] 5 .

;~rfns >L sdn]z s'df/ cu|jfn>L sdn]z s'df/ cu|jfnHo" :jtGq ;~rfnssf] ?kdf ;~rfns ;ldltdf

k|ltlglwTj ul//xg' ePsf] 5 . pxfF pBf]u Joj;fosf If]qdf nfdf] ;dob]lv

;+nUg /xb} g]kfn r]Da/ ckm sd;{sf] dxf;lrjsf] ?kdf lglh If]qsf]

ljsf;df ;d]t ls|ofl;n /xb} cfpg' ePsf] 5 . pxfn] ljutdf /fli6«o aLdf ;+:yfgsf] ;~rfnssf] ?kdf ;d]t of]ubfg k'¥ofpg' ePsf] 5 .

;+rfns >L k|sfz las|d vqL >L k|sfz las|d vqLHo" ;+:yfks ;d'xaf6 ;+rfns ;ldltdf k|ltlglwTj

ul//xg' ePsf] 5 . pxfF k]zfut ?kdf sDKo"6/ O{lGhlgo/ x'g'x'G5 /

laleGg /fli6«o tyf cGt{/fli6«o sDkgLx?df sfo{ u/]sf] cg'ej /x]sf] 5 .

pxfF ;"rgf k|ljlw tyf Joj:yfkg ;"rgf k|0ffnLsf laifodf cg'ejL Pj+ bIf

dflgg'x'G5 .

;~rfns >L ljj]s cu|jfn>L ljj]s cu|jfnHo" ;+:yfks z]o/wgLx?sf] tkm{af6 ;~rfns ;ldltdf

k|ltlglwTj ul//xg' ePsf] 5 . pxfF Ps o'jf pBdL Joj;foLsf] ?kdf

ljleGg pTkfbg d'ns pBf]u, cfoft lgof{t tyf ;]jf Joj;fosf] If]qdf

ls|oflzn x'g'x'G5 . pxfF j:t' tyf ;]jf Jofkf/sf] ahf/Ls/0fsf ljifodf

cg'ejL tyf bIf dflgg'x'G5 .

;~rfns >L xl/ZrGb| ;'j]bL>L xl/ZrGb| ;'j]bLHo" sDkgLsf] ;~rfns ;ldltdf ;+:yfks ;d'xaf6

k|ltlglwTj ul//xg' ePsf] 5 . pxfF a}+s tyf lalQo If]q;+u nfdf] ;dob]lv

;+nUg /xb} cfpg'ePsf] 5 . pxfF k]zfut ?kdf clwjStf x'g'x'G5 /

sfg"gsf If]qdf cg'ejL JolStTjsf] ?kdf kl/lrt x'g'x'G5 . pxfF k|fWofkg

sfo{df ;d]t ;+nUg x'g'x'G5 .

;~rfns >L k|sfz d'Gb8f>L k|sfz d'Gb8fHo" ;j{;fwf/0f z]o/wgLx?sf] tkm{af6 ;~rfns ;ldltdf k|ltlglwTj ul//xg' ePsf] 5 . pxfF Ps o'jf pBdL Joj;foL x'g'x'G5 /

ljleGg pTkfbgd'ns Pj+ ;]jf If]qdf ;~rfnssf] ?kdf ;d]t ls|oflzn

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k'¥ofpb} cfpg'ePsf] 5 .

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New Biz Awards 2013, 2014 & 2016Best Managed Life Insurance Company of the Year

Winner

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cfly{s jif{ @)&@÷&# sf] sDkgLsf] Joj;flos sf/f]jf/ l:ylt, ut jif{sf] t'ngfdf ;dLIff jif{df xfl;n u/]sf pknlJw ;dfj]z ul/Psf] Joj;flos Pj+ ljlQo emns lgDgfg';f/ k|:t't ul/Psf] 5 . ;dli6ut cfly{s cj:yf;ldIff cfly{s jif{ @)&@÷&# df s'n ufx{:Yo j[l4b/ cToGt Go"g /xg uof] . ;dLIff jif{df ckof{Kt jiff{sf sf/0f k|d'v s[lifhGo pkhdf sdL cfpg'sf ;fy} nfdf] ;do;Ddsf] aGb x8\tfn Pjd\ ;Ldf gfsf cj/f]wsf sf/0f cy{tGqsf ;du| If]qx?df gsf/fTds c;/ k/]sf]n] cfly{s j[l4b/ Go"g x'g uPsf] xf] . ;dLIff jif{df s[lif If]qsf] pTkfbg !=# k|ltzt tyf u}/–s[lif If]qsf] pTkfbg )=^ k|ltztn] j[l4 ePsf] 5 . cl3Nnf] jif{ !=% k|ltztn] j[l4 ePsf]pBf]u If]qsf] pTkfbgdf ;dLIff jif{df ^=# k|ltztn] x|f; cfPsf] cg'dfg 5 . e"sDk kZrft pTkflbt j:t'sf] dfudf cfPsf] ;+s'rg, phf{ cefj Pj+ nfdf] ;do;Ddsf] aGb x8\tfnsf sf/0f cTofjZos O{Gwg tyf sRrf kbfy{sf] cfk"lt{ /f]lsg hfFbf ;du| cf}Bf]lus If]qsf] pTkfbg k|efljt ePsf] xf] . ;dLIff jif{df ;]jf If]qsf] pTkfbg @=& k|ltztn] j[l4 ePsf] cg'dfg 5 . cl3Nnf] jif{ of] If]q #=^ k|ltztn] j[l4 ePsf] lyof] . e"sDk kZrft ko{6s cfudg 7Kk k|foM /xg'sf ;fy} ;Ldf gfsf cj/f]wsf sf/0f xf]6n tyf /]i6'/]G6 / Jofkf/ If]qsf] j[l4b/ C0ffTds /x]sf]n] ;du| ;]jf If]qsf] j[l4b/df sdL cfPsf] xf] . cfly{s jif{ @)&@÷&# df s'n ufx{:Yo pTkfbgdf s'n artsf] c+z %=# k|ltzt /x]sf] 5 . h'g cl3Nnf] jif{ *=* k|ltzt /x]sf] lyof] .

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2067/68 1042.22 18.89 % 232.07 17.53 % 22.27 % 2068/69 1325.52 27.18 % 320.12 37.94 % 24.15 %2069/70 1540.39 16.21 % 390.00 21.83 % 25.32 %2070/71 1832.90 19.00 % 567.98 45.64 % 31.00 %2071/72 2482.70 35.45 % 809.33 42.49 % 32.60 %2072/73 3115.21 25.48 % 1026.00 26.77 % 33.00 %

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Paid Up Capital (In Crores)

Life Fund Growth (In Crores)

Market Share 2072/73

1 8 22 49 88 132 197 276

393 553

765

978

1,374

1,705

2,329

0

500

1,000

1,500

2,000

2,500

3,000

3,500 3,141

Investment Growth (In Crores)

3,394

18 28 57 83 107 158 229 276 386

549

883

1,123

1,440

1,834

2,452

0

500

1,000

1,500

2,000

2,500

3,000

3,500

38 38

64

108

173

2067-68 2068-69 2069-70 2070-71 2071-72 2072-73

248

Premium Growth (In Crores)

1 8 11 16 17 15

23 27

47 78 74

123 148

271

389

1 9

19

33 47 58 77 96 135

198

232

320

390

568

809

0

50

100

150

200

250

300

350

400

450

500

550

600

650

700

750

800

850

900

950

1000

1050

1100

Cro

res 1,026

TPI

FPI384

TPI

Rest of the Industry = 66%

Nepal Life = 34%

Rest of the Industry = 67%

Nepal Life = 33%

FPI

Expenses Details (In Crores)

1 (0.2%)

4 (1.0%)

10 (2.8%)

12 (3.5%)

19 (5.2%)

62 (17.3%)

115 (31.8%)

138 (38.2%)

- 20 40 60 80 100 120 140 160

MEDICAL EXPENSES

INCOME TAX

SERVICE FEE

OTHER MANAGEMENT EXPENSES

STAFF EXPENSES

AGENT OTHERS

AGENT COMMISSION

CLAIM PAID


!= sDkgLsf lqmofsnfkx?

-s_ sfof{no la:tf/;ldIff cjlwdf sDkgLdf s'n !)$ j6f ;+:yfkgfx? ;+rfngdf /x]sf 5g\ . h;df % j6f If]lqo sfof{nox? /x]sf 5g\ . u|fxsx?nfO{ pRrtd aLdf ;]jf k'/\ofpg] pb]Zon] sDkgLsf h'g;'s} zfvf sfof{nox?af6 lk|ldod e"StfgL nufotsf ;]jfx? k|bfg ug{ ;Sg] Joj:yf ul/Psf] 5 . æ;a}sf nflu hLjg aLdf, lsgsL hLjg cd"No 5===Æ eGg] gf/fnfO{ d"t{?k lbgsf nflu zfvf sfof{nox?sf] ;zlSts/0fdf hf]8 lbb} 3/ cfFugdf hLjg aLdf ;]jf la:tf/ ug]{ pb]Zo lnO{Psf] 5 .

-v_ dfgj ;+zfwg lasf;sDkgLdf sfo{/t s'n @(( hgf sd{rf/Lx?sf] cys kl/>d, nuglzntf tyf cfk;L ;xsfo{af6 sDkgLn] o; If]qdf dxTjk"0f{ :yfg cf]u6\g ;kmn ePsf] 5 . sDkgLsf] ;du| lasf;df dfgj ;+zfwgsf] dxTjk"0f{ e"ldsf /xg] ePsf]n] cfkm\gf sd{rf/Lx?nfO{ pRr dgf]ansf ;fy sfd ug]{ aftfj/0f lgdf{0f ug{ tyf JolStut 1fg, zLk Pj+ a[lQ lasf;sf] plrt cj;/x? k|bfg ug]{ sfo{df sDkgL k|oTglzn /xb} cfPsf] 5 . sd{rf/Lx?sf] k]zfut bIftf clea[l4sf nflu ;dofg's'n cfGtl/s Pj+ afXo tflnd sfo{s|dx? pknAw u/fpb} cfPsf 5f}+ .

-u_ aLdf clestf{aLdf clestf{x? hLjg aLdf ahf/Ls/0fsf] Ps cleGg c+usf] ?kdf /xb} cfPsf] 5 . ;ldIff cjlw;Dddf sDkgLdf

tflnd k|fKt hDdf &#%(@ hgf clestf{x? /x]sf 5g\ . ;ls|o clestf{x?sf] ;+Vofdf j[l4 ub}{ pgLx?sf] k]

zfut Ifdtf pTkfbsTjdf j[l4sf nflu sDkgLn] k|of; ub}{ cfPsf] 5 . aLdf clestf{nfO{ ;dfhdf :yflkt / ;Ddfghgs k]zf agfpg sDkgLn] dxTjk"0f{ e"ldsf lgjf{x

ub}{ cfPsf] 5 . aLldt, aLdf clestf{ Pj+ sd{rf/Lx?sf] cfk;L c;n ;DaGwaf6 xfl;n dxTjk"0f{ pknAwLx?nfO{ cfufdL lbgdf cem al9 la:tf/ / las;Lt ub}{ nlug] 5 .

-3_ bfjL e'QmfgLsDkgLn] cf=j=)&@÷)&# df hDdf *%) j6f d[To' bfjL e'StfgLaf6 sl/a ?=#^s/f]8 e'StfgL u/]sf] 5 . o;}ul/ d[To'bfjL, cjlw ;dfKtL e"StfgL, cf+lzs cjlw e'StfgL

Pj+ ;dk{0f d'No e'StfgL nufot s'n bfjL jfkt sl/a ?=!#*s/f]8 e'StfgL ul/Psf] 5 . sDkgLn] d[To' bfjL e'StfgLnfO{ cToGt k|fyldstf /fVb} cfPsf] 5 . ut dxfe"sDkdf d[To" ePsf ;Dk"0f{ aLldtx?sf] bfjL e"StfgL km5\of}{6 eO{;s]sf] 5 .

-ª_ s/ e"QmfgL sDkgLn] cf=j=@)&@÷)&# df sd{rf/L tyf clestf{ ;d]tsf] ul/ clu|d s/ sl§ afkt sl/a ?= @& s/f]8 / sDkgLsf] cfodf ljleGg ;+:yfx?n] clu|d s/ s§L afkt sl/a ?=#)s/f]8 ul/ ;f] cjlwdf sDkgL dfkm{t sl/a ?=%& s/f]8 g]kfn ;/sf/nfO{ clu|d s/ e'StfgLul/Psf] 5 .

-r_ aLdf of]hgfx?

sDkgLn] ;ldIff cjlwdf l;ldt cjlw aLdfz"Ns e"StfgL ul/ aLdf cjlwe/ hf]lvd axg x'g], æhLjg pGglt aLdf of]

hgfÆ gfds gofF ;fjlws hLjg aLdf of]hgf sfof{Gjogdf NofPsf] 5 . o;}ul/, u|fld0f aLdfsf] dfWodaf6 Go"g cfo

ePsf ;d'bfo;Dd hLjg aLdfsf] kx'Fr k'/\ofpg] pb]Zon] u|fld0f ;fjlws hLjg aLdf, ;fjlws n3' hLjg aLdf tyf n3' DofbL hLjg aLdf of]hgf nfu" ul/Psf] 5 .

-5_ Joj;flos ejg ;+rfng sDkgLsf] sdnkf]v/Ll:yt Joj;flos ejg cfddflg;sf] dgf]/Ghg / a:t' ahf/sf] k|d'v uGtJo :ynsf] ?kdf :yflkt eO{;s]sf] 5 . cTofw'lgs ejgsf sf/0f sDkgLsf]

;fv / ahf/Ls/0fdf ;d]t dxTjk"0f{ of]ubfg k'Ug uPsf] 5 . cf=j=@)&@÷)&# df pSt ejgaf6 ef8f tyf cGo cfDbfgL afkt s'n ?=^=^# s/f]8 cfDbfgL afFlwPsf] 5 .


-h_ ;"rgf k|ljlwsDkgLn] ;"rgf k|ljlwsf] dfWodaf6 ;]jfsf] u'0f:t/ a9fpg ;"rgf k|ljlwsf] lasf; / la:tf/df hf]8 lbb} cfPsf] 5 . u'0f:tl/o ;]jf la:tf/sf] l;nl;nfdf xfn} 3/ jf clkm;df g} a;L cgnfO{g lk|ldod e"StfgL ug{;Sg] Joj:yfsf] z'?jft ul/Psf] 5 . sDkgLsf ;a} zfvf sfof{nox? Web Based Application dfkm{t ;~rfng eO{/x]sf] 5 . aLldtx?n] cfkm\gf] aLdfn]vsf] af/] ;Dk"0f{ hfgsf/Lx? j]e;fO{6 / Mobile Apps dfkm{t xfl;n ug{ ;Sg] / dxTjk"0f{ ;Gb]zx? SMS sf] dfWodaf6 k7fpg] Joj:yf ul/Psf] 5 .

Online services to policy holders

Policy holder online services available at www.nepallife.com.np

Features of Mobile Application

1. View detail information related to policy.2. Receive messages related to premium payment, maturity payment, survival payment and happy birthday wish.3. View product information.4. Choose new products of your choice and calculate its premium yourself.5. Receive marketing related promotional messages.6. Receive other important messages from company.

7. View branch and sub branch details.


@= /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ k/]sf] c;/

;ldIff cfly{s jif{ @)&@÷&# df nfdf] ;do;Ddsf] aGb x8\tfn Pj+ ;Ldf gfsf cj/f]wsf sf/0f cy{tGqsf ;du| If]qx?df gsf/fTds c;/ k/]sf]n] cfly{s j[l4b/ Go"g /xg uof] . e"sDk kZrft pTkflbt j:t'sf] dfudf cfPsf] ;+s'rg, phf{ cefj Pj+ nfdf] ;do;Ddsf] aGb x8\tfnsf sf/0f cTofjZos O{Gwg tyf sRrf kbfy{sf] cfk"lt{ /f]lsg hfFbf ;du| cf}Bf]lus If]qsf] pTkfbg ;d]t k|efljt ePsf] tyf lgof{t Jofkf/df Xf;, d'b|f:kmLlt, /f]huf/L >[hgfdf sdL, >d zlStsf] knfog Pj+ nufgLsf ;Lldt If]qx?sf sf/0f Joj;flos jftfa/0f Tolt pT;fxhgs x'g ;ls/x]sf] 5}g .

;ldIff aif{df k"FhLut ah]6 vr{df b]vf k/]sf] lzlyntfsf] sf/0f cy{tGqn] ck]Iffs[t ult lng g;ls/x]sf] cj:yf 5 . pTkfbglzn If]qsf] nufgLdf la:tf/ x'g g;ls/x]sf] tyf ;ldIff cjlwdf lgIf]ksf] Jofhb/ Hofb} sd /x]sf] cj:yfn] ubf{ hLjg aLdfsf] nufgLsf] cf}ift k|ltkmn ;d]t ;Gtf]ifhgs b]lvb}g . oBkL sDkgLn] aLdf ;ldltsf] nufgL lgb]{lzsf cg'?k :jLs[t nufgLsf If]qx?df cToGt ;'ema'em Pj+ xf]l;of/ k"j{s nufgL ub}{ cfPsf] kmn:j?k cf=j= @)&@÷)&# sf] cjlw;Ddsf] ;Dk"0f{ nufgLsf] cf}ift k|ltkmn b/ *=&% /x]sf] 5 . b]zsf] ;dli6ut cfly{s cj:yf ;Gtf]ifhgs gePsf] ePtfklg b]zn] gofF ;+ljwfg kfPsf] / e"sDkaf6 k|efljt cy{tGqsf] k'g?Tyfg sfo{ k|f/De ePsf]n] cfufdL lbgdf cfly{s ultljlw lj:tf/ x'g] b]lvG5 . h;sf] ;sf/fTds k|efj Joj;flos aftfj/0fdf kg]{ g} 5 .

#= k|ltj]bg tof/ ePsf] ldlt ;Dd rfn' aif{sf] pknlAw / eljZodf ug'{kg]{ s'/fsf] ;DaGwdf ;+rfns ;ldltsf] wf/0ff M

s|=;+= ljj/0f rfn' cf=j=sf] kmfu'g d;fGt;Dd

! s'n aLdfn]v ;+Vof -j}b]lzs /f]huf/ DofbL aLdf ;lxt_ !%@)^&

@ s'n aLdfz'Ns cfDbfgL ?= ^*! s/f]8

# k|yd jif{ aLdfz'Ns cfDbfgL -j}b]lzs /f]huf/ DofbL hLjg ;lxt_ ?= !&# s/f]8

aLdf+°Lo d"Nof+sgsDkgLsf] cf=j=@)&@÷)&# sf] cfly{s l:yltsf] n]vfhf]vf / bfloTjsf] d"Nof+sg ;DaGwL aLdf+°Lo k|ltj]bg aLdf ;ldltaf6 :jLs[t eO{ sDkgLn] ;+rfngdf NofPsf] d'gfkmfdf ;l/s x'g] -af]g; cfh{g ug]{_ ul/ hf/L ul/Psf ;a} lsl;dsf hLjg aLdfn]vx? cGt{ut pSt cf=j=sf nflu k|ltaif{ k|lt xhf/ aLdf+°df lgDg adf]lhd ;jf{lws af]g; b/ lgwf{/0f ug{ ;kmn ePsf 5f}+ .

aLdf of]hgf aLdf cjlw af]g; b/

;fjlws hLjg aLdf-aLdf of]hgfx? !!,!%,!^,%!,%#,^!,^@,^# tyf ;fd'lxs aLdf of]hgf_

%–!% jif{;Dd ?=^%÷–

!^–@) jif{;Dd ?=^%÷–

@!–@% jif{ ;Dd ?=&@÷–

@% jif{ eGbf dfly ?=*@÷–

clu|d e"StfgL ;fjlws hLjg aLdf-aLdf of]hgfx? @!,@@,@%,@^,@&,$! / %@_

;a} aLdf cjlwx? ?=^%÷–

hLjg ;Da[l4 aLdf of]hgf -aLdf of]hgf

@# / @$_

!% jif{ ?=^@÷–

@) jif{ ?=^$÷–


Best Managed Life Insurance Company cjf8{af6 ;Ddflgt

Go"lalhg]; Ph k|f=ln=sf] cfof]hgfdf ;DkGg æGo"lah

lahg]z sGSn]e tyf cjf8{ @)!^Æ sf] cj;/ o;

sDkgLn] nuftf/ t];|f] k6s "Best Managed Life

Insurance Company of the year 2016" cjf8{af6 k'/is[t

ePsf] 5 .

Best Practices Award 2016af6 ;Ddflgt

g]kfn nfOkm OG:of]/]G; sDkgLnfO{ Best Practices

Award 2016 cGt{utsf] kmfO{gflG;on O{lG6Ro";g ckm

b Oo/, O{G:of]/]G; sDkgL (Financial Institution of the

year- Insurance Company) cjf8{af6 k'/is[t ul/Psf]

5 . laZjJofkL k/fdz{bftf k|mf]:6 P08 ;'lnefg (Frost &

Sullivan) n] sf7df8f}+df cfof]hgf u/]sf] klxnf] ælasf;

cGj]if0f / g]t[Tj ;Dd]ng @)!^Æ (Growth Innovation

and Leadership Summit 2016) sfo{qmdsf] cj;/df

pQm k'/:sf/ k|bfg u/]sf] xf] .

gljs/0f aLdfz"Ns online k|0ffnL dfkm{t e"StfgL ug{ ;lsg]

sDkgLsf aLldtx?nfO{ pRrtd aLdf ;]jf k'/\ofpg] pb]Zon] gljs/0f aLdfz'Ns e"StfgL k|ls|ofnfO{ ;/nLs[t

ul/ 3/ jf clkm;d} a;L gljs/0f aLdfz"Ns e"StfgL ug{ ;Sg] Joj:yf ug]{ s|ddf xfnnfO{ g]kfn O{Ge]i6d]G6

a}+s ln=df vftf /x]sf aLldtx?n] Online k|0ffnL dfkm{t gljs/0f aLdfz"Ns e"StfgL ug{ ;Sg] Joj:yf nfu"

ul/Psf] 5 .

yk ;fj{hlgs z]o/ lgisf;g (FPO)

sDkgLsf] ut aflif{s ;fwf/0f ;efaf6 kfl/t eP adf]lhd

yk ;fj{hlgs z]o/ lgisf;g sfo{ ;DkGg ul/Psf] 5 . nufgLstf{x?sf] pT;fxhgs ;xeflutf /xL cfjZos

eGbf !@=$! u'0ff al9 cfj]bg kg{ uPsf] 5 . pSt

lgisf;gdf hDdf @,%%,@!% a6f b/vf:t kg{ cfPsf] / ldlt @)&#.!!.@) ut] z]o/ afF8kmfF8 ;DaGwL sfo{ ;d]t

;DkGg eO{;s]sf] 5 .


efjL of]hgf

sDkgLsf] a[xQ/ lasf;sf nflu lgDgfg';f/sf] sfo{of]hgf cufl8 ;fl/Psf] 5 M

– hLjg aLdf ;]jfnfO{ ;dfhsf ;a} au{nfO{ ;d]l6g] ul/ pko'Qm aLdf of]hgfx? th{'df ul/ u'0f:tl/o

aLdf ;]jf k|bfg ul/g] .

– nufgL ljljlwlss/0f ul/ cf}ift cfo a[l4 ul/ z]o/wgL tyf aLdLtx?sf] k|ltkmn a[l4 k|of;/tM /xg] .

– n3'' aLdf of]hgfsf] dfWodaf6 u|fld0f e]usf cfly{s ?kdf sdhf]/ /x]sf dflg;df aLdf ;]jf k'/\ofpg] nIo

lnO{Psf] 5 . cGt/f{li6«o ahf/ ;d]tnfO{ b[li6ut ul/ gofF aLdf of]hgfx? th'{df ul/b} nlug] 5 .

– sDkgLsf] ;"rgf k|ljlwsf] lasf; / la:tf/nfO{ yk tLa|tf lbO{ sfo{Ifdtf ;]jf k|0ffnLnfO{ k|efjsf/L agfO{g]5 .

– aLldtsf] ;]jf k|0ffnLdf u'0ffTds a[l4 ug{ bfjL e"StfgL k|ls|ofdf ;/nLs/0f ul/g] . gljs/0f

aLdfz"Ns e"StfgLsf] ;xh Joj:yfsf nflu laleGg a}+s tyf lalQo ;+:yf dfkm{t 3/ jf clkm;d} a;L

cgnfO{g k|0ffnL dfkm{t e"StfgL lng] Joj:yf ul/g] .

– Joj;flos ;DefJotfsf] cfwf/df ljb]zdf ;Dks{ sfof{no :yfkgfsf] kxn ul/g]5 .

– sd{rf/L tyf clestf{x?sf] k]zfut bIftf clea[l4sf sfo{qmdx? th'{df ul/g]5 .

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

sDkgLsf] ;/f]sf/jfnf laleGg :jb]zL tyf lab]zL

lgsfox?;+u ;'dw'/ Joj;flos ;DaGw sfod /xb} cfPsf]

5 . kf/blz{tf / Jofj;flostfsf cfwf/df :yflkt ePsf

o:tf ;DaGwx? kmnbfoL x'g] ljZjf; lnPsf 5f}+ . sDkgLdf

c;n cf}Bf]lus ;';DaGw laBdfg /x]sf] / o;nfO{ cem

;'dw'/ agfpg k|of; ub}{ cfPsf 5f}+ .

sDkgLn] hfkfg l:yt Nippon Life Insurance Co. ;+usf] ;DaGwnfO{ yk ;'b[9 ub}{ nu]sf] 5 . o;} l;nl;nfdf xfn} pSt sDkgLsf kbflwsf/Lx?;+u sf7df8f}+df ;DkGg

e]63f6n] låklIfo ;DaGw lj:tf/df ;3fpm k'/\ofPsf] 5 .

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

sDkgLsf] ;f}x|f} jflif{s ;fwf/0f ;ef kZrft ;+rfns ;ldltdf s'g} x]/k]m/ ePsf] 5}g . ;+:yfks z]o/

wgLx?sf] tk{m af6 ;+rfns ;ldltdf k|ltlglwTjsf nflu lgjf{rg sfo{qmd cufl8 a9fOPsf] 5 .


^= sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx? M

hLjg aLdf Joj;fonfO{ k|efj kfg]{ a'Fbfx? lgDgfg';f/ /x]sf 5g\M

– c:j:y k|lt:kwf{Tds jftfj/0f / ;f] jftfj/0fn] ;[hgf ug]{ hf]lvd / r'gf}lt .

– cgfjZos Pj+ clgolGqt vr{sf] cj:yfx? .

– d'n'sdf bLw{sflng nufgLsf] cj;/ Go"g ePdf tyf vr{x? clgolGqt /x]df

– cy{tGqdf bLw{sflng nufgLsf] cj;/ Go"g ePsf]n] s]lGb|t hf]lvdsf] cj:yf /xg] .

– lalQo If]qdf cl:y/ Jofhb/n] kfg]{ k|efj .

– b]zsf] /fhg}lts kl/l:ylt Pj+ laleGg cj/f]wx?n] Joj;fo la:tf/df k|efj kg{ ;Sg] .

– lalQo If]qdf b]lvPsf] cZj:y k|ltZkwf{ tyf ;'zf;gsf] cefjn] ;[hgf ug]{ hf]lvd .

– a9\bf] sf/f]af/n] pTkGg ug]{ Joj;fohGo r'gf}lt tyf hf]lvdx? .

– cl:y/ k"FhLahf/sf] cj:yfn] ;[hgf ug]{ hf]lvd .

– e'sDk, af9L klx/f] h:tf k|fs[lts laklQdf x'g;Sg] dfgljo Ifltsf sf/0f pTkGg hf]lvd .

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

cf=j=@)&@.)&# sf] n]vf k/LIf0f k|ltj]bgdf laz]if s}lkmotx? pNn]v gePsf] / n]vf kl/If0fsf] k|f/lDes

k|ltj]bgdf pNn]v ePsf ;'emfj adf]lhd cfjZos ;'wf/ ul/Psf] 5 .

*= nfef+z af“8kmf“8 ug{ l;kmfl/; ul/Psf] /sdM

;+rfns ;ldltsf] ldlt @)&#÷!)÷@^ ut] a;]sf] @$#cf}+ a}7sn] z]o/wgL dxfg'efjx?nfO{ yk ;fwf/0f

z]o/ lgisfzg kZrft sfod x'g] r'Stf k"FhLsf] @% k|ltzt af]g; z]o/ -s/ afx]s_ k|:tfj u/]sf] / pSt

k|:tfj ;lxtsf] lalQo laj/0f o;} ;fwf/0f ;efdf :jLs[ltsf nflu k]z ul/Psf] 5 .

(= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf]z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj};f] afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmtePkl5 ;f] z]o/ las|L ul/ sDkgLn] k|fKt u/]sf] /sd tyfhkmt ePsf] z]o/ jfkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f M–

sDkgLn] xfn;Dd s'g} z]o/ hkmt u/]sf] 5}g .

‘jflif{s ;Dd]ngsf] bf}/fg sDkgLsf ;+rfnsHo"x?, k|d'v sfo{sf/L clws[t, ljefuLo k|d'vx? nufot zfvf k|d'vx?’

jflif{s ;Dd]ng @)&#

‘jflif{s ;Dd]ngsf] bf}/fg sDkgLsf ;+rfnsHo"x?, k|d'v sfo{sf/L clws[t, ljefuLo k|d'vx? nufot zfvf k|d'vx?’

jflif{s ;Dd]ngsf bf}/fg pTs[i6 sfo{ ug{] sd{rf/LnfO{ k'/:s[t ug'{ x'b} sDklgsf ;~rfns Ho" .


jflif{s ;Dd]ngsf] cj;/df sDklgsf ;~rfns Ho"x? Pjd\ k|d'v sfo{sf/L clws[t Ho" .

jflif{s ;Dd]ngsf ;xeflux? .

hfkfg l:yt Nippon Life Insurance Company sf kbflwsf/Lx? ;+u sDklgsf k|d'v sfo{sf/L clws[t Ho" .

sflGtk'/ Dof/fygsf Ps ljh]tfnfO{ k'/:s[t ug'{x'b} sDklgsfk|d'v sfo{sf/L clws[t Ho" .

kmf]6f] lkmr/

k"0f{ czQmtf bfjL e'QmfgL k|bfg ug{' x'Fb} sDkgLsf zfvf k|d'v .

sDkgLdf !) jif{eGbf al9 cjlw ;]jf ug]{ sd{rf/LnfO{ ;Ddfg ug'{x'b} sDkgLsf ;+rfns Ho" .

sf]zL x/}rf PS;kf] @)&# df sDklgsf] ;xeflutf .

lj|ms;n k|ltof]lutfdf sDklgsf] ;xeflutf . clestf{ k'gtf{huL sfo{qmdsf ;xeflux? .


kmf]6f] lkmr/


!)= ljut cfly{s aif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]jf/sf] k|ult / cfly{s aif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg

sDkgLsf] s'g} ;xfos sDkgL 5}g .

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

sDkgLsf] s'g} ;xfos sDkgL gePsf] .

!@= ljut cfly{s aif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknJw u/fOPsf hfgsf/L

;ldIff aif{df To:tf] s'g} hfgsf/L sDkgLnfO{ k|fKt ePsf] 5}g .

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

sDkgLsf ;+rfns tyf kbflwsf/Lx?n] cf=j=@)&@÷)&# ;Dddf lnPsf] z]o/ :jfldTjsf] ljj/0f lgDg adf]lhd /x]sf] 5 . sDkgLsf] z]o/ sf/f]jf/df pxfFx?sf] ;+nUgtfaf/] sDkgLnfO{ s'g} hfgsf/L k|fKt ePsf] 5}g .

;~rfns

cWoIf >L /d]z u'Ktf #,$&,*$) lsQf

;+rfns >L /fd cjtf/ cu|jfn !,&#,$)) lsQf

;+rfns >L k|sfz d'Gb8f !,)#( lsQf

;+rfns >L xl/ZrGb| ;'j]bL @,*() lsQf

;+rfns >L ljj]s cu|jfn !,@!,#*) lsQf

;+rfns >L k|sfz las|d vqL %$,!*& lsQf

kbflwsf/L

al/i7 gfoa dxfk|jGws >L ;'zLn s'df/ rf}w/L *^^ lsQf

ljefluo k|jGws >L s[i0f k|;fb nD;fn ^)^ lsQf

pk k|jGws >LdtL /Ltf zdf{ !,!%% lsQf

!$= laut cfly{s aif{df sDkgL;+u ;DalGwt ;+emf}tfx?df s'g} ;+rfns tyf lghsf glhssf gft]bf/sf] JolQmut :jfy{sf] af/]df pknJw u/fOPsf] hfgsf/Lsf] Joxf]/f

;ldIff aif{df To:tf] s'g} hfgsf/L k|fKt ePsf] 5}g .

!%= sDkgLn] cfkmgf] z]o/ cfkm}n] v/Lb u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e"StfgL u/]sf] /sd

gePsf] .


!^= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] la:t[t ljj/0f

sDkgLn] cfGtl/s lgoGq0f k|0ffnLnfO{ r':t / k|efjsf/L agfpb} cfPsf] 5 . sDkgLdf /x]sf laleGg ;ldltx?n] hf]lvd Go"lgs/0fsf] lbzfdf dxTjk"0f{ of]ubfg k'/\ofO{/x]sf] 5 . sDkgLn] laBdfg hf]lvdx? / ;f] lgoGq0fsf nflu lnO{Psf /0fgLltx?sf] kof{Kttfsf laifodf ;ldIff ug{ tyf cGo ;DaGwLt laifox?df 5nkmn ug{ ;+rfns :tl/o hf]lvd Joj:yfkg tyf ;f]Ne]G;L ;ldlt u7g ul/Psf] 5 . sDkgLn] cfkmgf] cfGtl/s lgoGq0fnfO{ ;an agfpg cfGtl/s n]vf kl/Ifssf] ?kdf :jtGq rf6{8{ PsfpG6]G6nfO{ lgo'lQm ul/ k|To]s q}dfl;s cjlwsf] k|ltj]bg k|fKt ul/ ;f] dfly la:t[t 5nkmn ul/g] ul/Psf] 5 . sDkgLn] ;+:yfut ;'zf;gnfO{ k|fyldstfdf /fVb} cfPsf] 5 . æaLdssf] ;+:yfut ;'zf;g lgb]{lzsf @)&#Æ sf] k"0f{ kfngfaf6 cfGtl/s lgoGq0f k|0ffnL yk r':t /fVg dbt k'Ug] laZjf; lnPsf] 5 .

!&= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f

;dLIff jif{df Joj:yfkg vr{ afkt sl/a ?=(#=^& s/f]8 vr{ ePsf] 5 .

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

k|zf;lso vr{ ?= &$,*(,*),^&!

s'n Joj:yfkg vr{ ?= (#,^&,$),#&^

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

;ldIff aif{sf] s]xL ;do ;+rfns >L xl/ZrGb| ;'j]bLHo"sf] ;+of]hsTjdf n]vf kl/If0f ;ldlt u7g ul/Psf] / >L aLdf ;ldltaf6 hfl/ ul/Psf] cfGtl/s n]vf kl/If0f lgb]{lzsf adf]lhd :jtGq ;+rfns >L sdn]z s'df/ cu|jfnHo"sf] ;+of]hsTjdf ;+rfns >L xl/ZrGb| ;'j]bLHo" tyf ;+rfns >L k|sfz d'Gb8fHo"sf] ;b:o /xg] n]vf kl/If0f ;ldlt k'gu{7g ul/Psf] lyof] . >L aLdf ;ldltaf6 hf/L ul/Psf] ;+:yfut ;'zf;g lgb]{lzsf @)&# sf] k|fjwfg adf]lhd xfn ;j{;fwf/0f z]o/wgLx?sf] tkm{af6 k|ltlglwTj ul//xg' ePsf ;+rfns >L k|sfz d'Gb8fHo"sf] ;+of]hsTjdf ;+rfns >L /fd cjtf/ cu|jfnHo" tyf ;+rfns >L xl/ZrGb| ;'j]bLHo" ;b:o /xg'ePsf] n]vf kl/If0f ;ldlt u7g ul/Psf] 5 .

n]vf kl/If0f ;ldltn] sDkgLsf] ;+rfng tyf lalQo cj:yfsf] ;ldIff ug]{ u/]sf] / cfGtl/s / afXo b'j} n]vf k/LIf0f k|ltj]bgx?sf] ;dLIff u/L cfjZos ;'wf/sf nflu Joj:yfkgnfO{ /fo ;'emfj tyf lgb]{zg lbg] u/]sf] 5 . sDkgLsf] afXo tyf cfGtl/s n]vf kl/Ifsx?af6 k|fKt n]vf k/LIf0f k|ltj]bgx?sf] ;dLIff u/L ;+rfns ;ldltdf k|:t't ug]{ u/]sf] 5 . afXo n]vf kl/If0f k|ltj]bgdf s'g} laz]if s}lkmot pNn]v gePsf] / ;fdfGo s}lkmotx?df cfjZos ;'wf/ ul/;lsPsf] 5 . cf=j=@)&@÷)&# df n]vfkl/If0f ;ldltsf] * j6f a}7s a;]sf] / a}7s eQf afkt hDdf ?=^^,%))÷— pknAw u/fO{Psf] 5 .

!(= ;+rfns, k|jGw ;+rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] ghLssf gft]bf/ jf gLh ;+NfUg kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f

gePsf] .


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

;ldIff aif{df ;+rfnsx?nfO{ a}7s eQf jfkt ?=!@,&!,)))÷– e'QmfgL ul/Psf] 5 . ;ldIff aif{df k|d'v sfo{sf/L clws[tnfO{ tna, eQf, bz} vr{ / ;+rosf]if ;'lawf jfkt ?=^*,^),)))÷– e'StfgL ul/Psf] 5 . cGo kbflwsf/Lx? -k|aGws :t/ ;Dd_ u/L s'n !# hgfnfO{ tna, eQf, bz} vr{ / ;+rosf]if ;'lawf Affkt hDdf ?=!,&#,)^,!$@÷– e'QmfgL ul/Psf] 5 .gf]6M sDklgsf k|d'v sfo{sf/L clws[t tyf cGo kbflwsf/Lx?nfO{ pNn]lvt ;'ljwf afx]s ;jf/L ;fwg ;'ljwf, df]jfO{n kmf]g ;'ljwf, hLjg aLdf ;'ljwf tyf af]g; P]g adf]lhdsf] af]g; k|bfg ul/Psf] .

@!= z]o/ wgLn] a'lemlng af“sL /x]sf] nfef+zsf] /sd

z]o/wgLn] a'lemlng afFsL /sd ?=$%,#&,%#@÷– /x]sf] 5 .

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

5}g .

@#= bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]jf/ ljj/0f

gePsf] .

@$= o; P]g tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f

;DklQ z'l4s/0f lgoGq0f ;DaGwdf sDkgLn] g]kfn /fi6« a}+s, lalQo hfgsf/L O{sfO{ tyf >L aLdf ;ldltaf6 hf/L ul/Psf] lgb]{lzsfx?df pNn]lvt k|fjwfgx?sf] kfngf ub}{ tf]lsPsf laj/0fx? k]z ub}{ cfPsf 5f}+ . u|fxs klxrfg ;DaGwL Joj:yfx?sf] kl/kfngfsf nflu zfvf sfof{nox?nfO{ ;hu agfO{Psf] 5 . zfvf k|d'vx?nfO{ ;DklQ z'l4s/0fsf] lgoGq0fsf nflu laz]if rgfvf] /xg lgb]{zg ul/Psf] 5 . o;}ul/ k|fKt Joj;fonfO{ ;d]t ;do ;dodf cg'udg ;d]t ub}{ cfPsf 5f}+ . ;DklQ z'l4s/0fsf] k|of; lgoGq0fsf nflu ;dofg's'n tflnd ;d]t k|bfg ub{} cfPsf 5f}+ .

@%=cGo cfjZos s'/fx?

gePsf] .


cGTodf, sDkgLsf] ;du| lasf;df k|ToIf Pj+ k/f]If ?kdf ;xof]u k'/\ofpg' x'g] ;Dk"0f{ aLldt, clestf{, z]o/wgL, sd{rf/L au{ tyf z'e]R5'sx?df xflb{s cfef/ JoSt ub{5f}+ . sDkgLsf] lgoldt sfo{;+rfngsf] l;nl;nfdf plrt dfu{bz{g, ;'emfj tyf ;Nnfx / ;xof]u k|bfg ug]{] >L aLdf ;ldlt, g]kfn ;/sf/sf ;DalGwt lgsfox?df s[t1tf JoSt ub}{ cfufdL lbgx?df klg ;xof]usf] ck]Iff ub{5f} . ;qf}+ jflif{s ;fwf/0f ;efdf pkl:yt eO{ ;fwf/0f ;efsf] ;kmntfsf nflu ;lqmo ;xeflutf bzf{pg' ePsf]df xflb{s wGojfb JoQm ug{ rfxG5' .

wGojfb .

sdn]z s'df/ cu|jfn /d]z u'Ktf ;+rfns cWoIf ldltM @)&#÷!@÷!$




g]kfn nfOkm OG:of]/]G; sDkgL lnld6]8k|wfg sfof{no x]l/6]h Knfhf, sdnfbL, sf7df08f}+

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

qm=;+= ljj/0f cg';"rL o; aif{ ut aif{>f]t

1 r'Qmf k"FhL !^ 2,167,500,000 1,734,000,000 2 hu]8f tyf sf]if !& 840,600,941 490,724,098 3 hLjg aLdf sf]if !! 31,405,207,890 23,291,010,775 4 dxf–ljkQL hu]8f !* 224,955,274 134,291,849 5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L !( - -

s"n >f]t 34,638,264,105 25,650,026,722 pkof]u

6 l:y/ ;DkQL -v'b_ @) 319,395,787 331,945,260 7 lb3{sfnLg nufgL @! 5,420,420,439 6,136,969,694 8 aLdfn]vsf] lwtf]df shf{ # 3,815,623,244 2,111,975,654 9 cGo bL3{sflng shf{ @# 582,211,548 357,101,290

Rffn' ;DkQL shf{ tyf k]ZsLx? M

10 gub tyf a}+s df}Hbft @@ 188,562,185 586,338,759 11 cNksflng nufgL @! 24,032,439,259 15,833,666,507 12 cGo cNksflng shf{ @# 93,257,308 85,198,783 13 cGo ;DkQL @$ 1,850,292,255 1,638,698,255

hDdf -s_-!)±!!±!@±!#_ 26,164,551,007 18,143,902,304 rfn' bfloTj tyf Joj:Yffx? M

14 rfn' bfloTj @% 807,368,890 651,984,773 15 c;dfKt hf]lvd jfkt Joj:yf @^ 307,483,708 397,236,477 16 e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 321,972,502 173,551,827 17 cGo Aoj:yf @^s 236,064,909 221,272,385

hDdf -v_ -!$±!%±!^±!&_ 1,672,890,009 1,444,045,462 18 v"b rfn' ;DkQL -u_ Ö -s_ – -v_ 24,491,660,998 16,699,856,842 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? @& 8,952,087 12,177,982 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg

s"n pkof]u -^±&±*±(±!*±!(±@)_ 34,638,264,105 25,650,026,722 n]vf;DaGwL gLltx? @* - - ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx? @( - -

;+efljt bfloTjx?

qm=;+= ljj/0f o; aif{ ut aif{

1 r'Qmf jf e'QmfgL x'g afFsL nufgL - - 2 k|Tofe"lt k|lta4tf - -

3aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/ aLdsn] bfloTj :jLsf/ gu/]sf] . - - aLdsn] bfloTj :jLsf/ gu/]sf]

4 aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06L - - 5 cGo -ljj/0f v'nfpg]_ - -

hDdf - - ;+efljt bfloTjx? tyf cg';"rL #, (, !! tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ .

cfhsf] ldltsf] xfd|f] ;+nUg k|ltj]bg cg';f/


ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'KtfcWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?cf/=P=cu|jfn

sdn]z s'df/ cu|jfn

xl/ZrGb| ;'j]bLljj]s cu|jfn

k|sfz ljs|d vqL

k|sfz d'Gb8f

hf]zL P08 e08f/L

rf6{8{ Psfp06]G6\;



cfly{s jif{ @)&@÷&# sf] gfkmf gf]S;fg lx;fa

qm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfDbfgL

1 cfo Joo lx;faaf6 ;f/]sf] !) 325,080,613 267,162,938

2 hLjg aLdf sf]ifaf6 ;f/]sf] !! 578,939,403 467,223,427

3 nufgL shf{ tyf cGoaf6 cfo @ 162,475,126 116,761,680

4 Joj:yf lkmtf{ !@ 44,414,397 44,967,294

5 cGo cfDbfgL -ljj/0f v'nfpg]_ - - hDdf cfDbfgL -s_ 1,110,909,539 896,115,339

vr{

6 Joj:yfkg vr{ & 93,674,038 268,425,292

7 ckn]vg vr{ !# - -

8 z]o/ ;DaGwL vr{ !#s - -

9 cGo vr{x? !$ - -

10 gf]S;fgLsf] nflu Joj:yf !% 658,092 60,115,558

11 sd{rf/L cfjf; Aoj:yf @^s - -

12 sd{rf/L af]g; Joj:yf @^s 92,416,128 51,597,681

13 ;dfof]lht cfos/ -c_ Ö -cf_ – -O_ * 17,527,027 (11,578,981)

14 cf_ cfos/ 2,030,173 -

15 O_ :yug s/ ;DklQ÷-bfloTj_ * (15,496,854) 11,578,981

16 hLjg aLdf sf]ifdf ;f/]sf] !! - - hDdf vr{ -v_ 204,275,285 368,559,550

17 v"b gfkmf ÷-gf]S;fg_ -u_ Ö -s_ – -v_ 906,634,254 527,555,789

18 cl3Nnf] jif{;+u ;DalGwt vr{ -cfos/ ;DaGwL_ - -

19 cl3Nnf] aif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ 10,704,251 3,798,811 afF8kmfF8sf] nflu pknAw /sd 917,338,505 531,354,600

20

-s_ :yug s/ hu]8f !& (15,496,854) 11,578,981 -v_ k"FhLut hu]8f !& - - -u_ ljz]if hu]8f !& - - -3_ cGo hu]8f -ljj/0f v'nfpg]_ !& - - -ª_ k|:tfljt nfef+z - - -c_ af]g; z]o/ !& 619,285,725 433,500,000 -cf_ gub nfef+z @^s 32,593,986 22,815,789 -r_ dxf–ljkQL hu]8f !* 90,663,425 52,755,579

jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ 190,292,223 10,704,251 n]vf;DaGwL gLltx? @* - - ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx? @( - -

cg';"rL @, &, * tyf !) b]lv !%,!&, !*, @^s, @* / @( o;sf cleGg c+u x'g\ .


ljj]s emf

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

ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'Ktf

cWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?

cf/=P=cu|jfn

sdn]z s'df/ cu|jfnxl/ZrGb| ;'j]bL

ljj]s cu|jfn

k|sfz ljs|d vqLk|sfz d'Gb8f

hf]zL P08 e08f/Lrf6{8{ Psfp06]G6\;



@)&@–)$–)! b]lv @)&#–)#–#! ;Ddsf] gub k|jfxsf] ljj/0fqm=;+= ljj/0f o; aif{ ut aif{

sf/f]af/ ;+rfngaf6 gub k|jfx M

1

aLdf z'Ns cfDbfgL 10,256,214,664 8,093,293,221 ljnDa z'Ns cfDbfgL 105,724,782 62,457,245 k'gaL{df z'Ns cfDbfgL - - k'gaL{df sldzg cfDbfgL 14,865,173 16,063,506 cGo k|ToIf cfDbfgL - - k'gaL{dsaf6 k|fKt bfjL l/se/L 25,169,795 25,064,943 k'gaL{df z'Ns e'QmfgL (71,698,916) (131,903,452)

k'gaL{df sldzg e'QmfgL - - clestf{ sldzg e'QmfgL (868,521,672) (695,424,972):jf:Yo k/LIf0f z'Ns e'QmfgL (6,057,447) (7,834,701)d[To' bfjL e'QmfgL (364,856,038) (338,642,773)cjlw ;dfKtL bfjL e'QmfgL (330,125,665) (216,462,850)cf+lzs cjlw ;dfKtL bfjL e'QmfgL (333,511,659) (111,811,155);dk{0f d"No bfjL e'QmfgL (347,905,410) (306,115,371)cGo bfjL e'QmfgL (4,027,467) (3,302,068);]jf z'Ns e'QmfgL (37,531,928) (37,492,377)cGo k|ToIf vr{ (5,081,216) (5,264,661)Joj:yfkg vr{ e'QmfgL (917,471,301) (837,509,067)sd{rf/L af]g; e'QmfgL (51,597,681) (62,735,623)cfos/ e'QmfgL (537,151,294) (277,375,136)Rffn' ;DklQdf -j[l4_÷sdL 833,905,175 102,637,821 Rffn' bfloTjdf j[l4÷-sdL_ (244,534,887) (23,790,659)

sf/f]af/ ;+rfngaf6 v'b gub k|jfx -s_ 7,115,807,008 5,243,851,871 nufgL ultljwLaf6 gub k|jfx

2

l:y/ ;DklQdf -j[l4_ sdL (6,719,602) (14,029,530);/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -j[l4_ sdL 1,338,373,000 49,575,000 a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_ sdL (9,132,500,000) (3,963,100,000)a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_ sdL 410,354,248 (775,082,116)OSo"6L z]o/ nufgLdf -j[l4_ sdL 139,839,076 (439,344,616)cu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l4_ sdL (200,620,000) (198,748,019)cGo nufgLdf -j[l4_ sdL (37,669,821) (53,688,065)aLdfn]vsf] lwtf]df shf{df -j[l4_ sdL (1,703,647,590) (664,622,207)k]ZsL tyf cGo shf{df -j[l4_ sdL (233,168,783) (144,693,416)e'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 1,304,589,325 1,250,423,341 e'QmfgL k|fKt l8le8]G8 14,097,899 24,012,446 ef8f cfDbfgL 20,711,244 22,595,100 e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ 78,782,088 77,482,222 cGo ck|ToIf cfDbfgL 516,811,125 76,849,519

nufgL ultljwLaf6 v'b gub k|jfx -v_ (7,490,767,791) (4,752,370,341)ljQLo >f]t sf/f]af/af6 gub k|jfx

3

z]o/af6 k|fKt /sd - - ltg{ afFsL ;fk6Ldf -j[l4_÷sdL - - cNksflng C0fdf -j[l4_÷sdL - - C0f ;fk6Ldf Aofh e'QmfgL - - nfef+z e'QmfgL (22,815,789) (86,700,000)

ljQLo >f]t sf/f]af/af6 v'b gub k|jfx -u_ (22,815,789) (86,700,000)$ o; jif{sf] ;Dk"0f{ ultljwLaf6 v'b gub k|jfx Ö -s_±-v_±-u_ (397,776,572) 404,781,530 % gub tyf a}+sdf /x]sf] z'? df}Hbft 586,338,759 181,557,233 ^ gub tyf a}+sdf /x]sf] clGtd df}Hbft 188,562,185 586,338,759

n]vf;DaGwL gLltx? - - ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx? - -

;+efljt bfloTjx? tyf cg';"rL #, (, !! tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] xfd|f] ;+nUg k|ltj]bg cg';f/


ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'KtfcWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?cf/=P=cu|jfn

sdn]z s'df/ cu|jfn

xl/ZrGb| ;'j]bL

ljj]s cu|jfn


hf]zL P08 e08f/Lrf6{8{ Psfp06]G6\;



cfly{s jif{ @)&@÷&# sf] Plss[t cfo Joo lx;fa


cfo

1 aLdfz'Ns -v"b_ ! 10,135,139,319 7,973,896,699

2 k'gaL{df sldzg cfo 14,865,173 16,063,506

3 nufgL, shf{ tyf cGoaf6 cfo @ 1,975,919,888 1,404,047,518

4 aLdfn]vsf] lwtf]df shf{af6 cfo # 312,955,293 190,169,048

5 cGo k|ToIf cfo -lanDa z'Ns_ 105,724,782 62,457,245

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 173,551,827 78,388,263

7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 397,236,477 357,341,500

hDdf cfo -s_ 13,115,392,759 10,082,363,779

Joo

8 bfjL e'QmfgL -v'b_ $ 1,331,024,769 920,698,713

9 clestf{ sldzg % 1,147,957,436 935,145,282

10 :jf:Yo k/LIf0f z'Ns 6,057,447 7,834,701

11 k'gaL{df sldzg vr{ - -

12 ;]jf z'Ns -v'b_ ^ 101,094,070 79,425,305

13 cGo k|ToIf vr{ -aLdfn]v l6s6_ 5,081,216 5,264,661

14 Joj:yfkg vr{ & 843,066,339 587,777,725

15 cfos/ * 33,438,141 845,640

16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 321,972,502 173,551,827

17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 307,483,708 397,236,477

hDdf Joo -v_ 4,097,175,628 3,107,780,331

18 hLjg aLdf sf]ifdf ;f/]sf] art Ö -s_ – -v_ 8,693,136,518 6,707,420,510

19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ 325,080,613 267,162,938

n]vf;DaGwL gLltx? @* - -

ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx? @( - -

cg';"rL ! b]lv ( / @* b]lv @( ;Dd o;sf cleGg c+u x'g\ .


ljj]s emf


ldltM @)&#÷!)÷@^7]ufgfM sf7df8f}+

/d]z u'Ktf

cWoIf

/fd]Zj/ >]i7ljQ÷n]vf k|d'v

;+rfnsx?

cf/=P=cu|jfnsdn]z s'df/ cu|jfn

xl/ZrGb| ;'j]bL

ljj]s cu|jfn

k|sfz ljs|d vqL

k|sfz d'Gb8f

hf]zL P08 e08f/L

rf6{8{ Psfp06]G6\;



cfly{s jif{ @)&@÷&# sf] ;falws hLjg aLdfsf] cfo Joo lx;fa


cfo

1 aLdfz'Ns -v"b_ ! 4,257,969,076 3,150,450,655

2 k'gaL{df sldzg cfo 3,411,812 1,397,942

3 nufgL, shf{ tyf cGoaf6 cfo @ 1,093,819,513 806,397,419




7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf - -

hDdf cfo -s_ 5,652,311,304 4,175,036,012

Joo

8 bfjL e'QmfgL -v'b_ $ 623,578,682 477,790,275

9 clestf{ sldzg % 436,972,221 307,538,184

10 :jf:Yo k/LIf0f z'Ns 2,220,678 1,412,366


12 ;]jf z'Ns -v'b_ ^ 42,547,899 31,475,094

13 cGo k|ToIf vr{ -aLdfn]v l6s6_ 668,774 637,075

14 Joj:yfkg vr{ & 355,089,190 234,500,386

15 cfos/ * 21,798,350 590,661


17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf - -

hDdf Joo -v_ 1,554,261,858 1,109,609,278


19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ - -





ljj]s emf


ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'Ktf

cWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?

cf/=P=cu|jfn


ljj]s cu|jfn


hf]zL P08 e08f/L

rf6{8{ Psfp06]G6\;



cfly{s jif{ @)&@÷&# sf] cu|Ld e'QmfgL hLjg aLdfsf] cfo Joo lx;fa


cfo

1 aLdfz'Ns -v"b_ ! 3,678,433,049 2,977,986,028

2 k'gaL{df sldzg cfo 8,316,980 12,819,516

3 nufgL, shf{ tyf cGoaf6 cfo @ 496,811,181 322,244,127





hDdf cfo -s_ 4,397,672,698 3,378,419,679

Joo

8 bfjL e'QmfgL -v'b_ $ 399,510,528 164,439,756

9 clestf{ sldzg % 441,608,394 415,787,544

10 :jf:Yo k/LIf0f z'Ns 2,304,995 5,225,970


12 ;]jf z'Ns -v'b_ ^ 36,671,471 29,657,595


14 Joj:yfkg vr{ & 304,507,016 214,016,808

15 cfos/ * 5,674,484 111,778



hDdf Joo -v_ 1,422,038,665 935,338,766







ljj]s emf


ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'Ktf

cWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?

cf/=P=cu|jfn


ljj]s cu|jfn


hf]zL P08 e08f/L

rf6{8{ Psfp06]G6\;



cfly{s jif{ @)&@÷&# sf] ?kfGtl/t ;fjlws hLjg aLdfsf] cfo Joo lx;fa


cfo

1 aLdfz'Ns -v"b_ ! 1,620,245,371 1,241,774,654

2 k'gaL{df sldzg cfo 2,616,601 1,415,290






hDdf cfo -s_ 2,027,018,683 1,516,452,302

Joo

8 bfjL e'QmfgL -v'b_ $ 93,837,946 84,573,769

9 clestf{ sldzg % 215,326,344 159,549,626

10 :jf:Yo k/LIf0f z'Ns 1,341,452 1,120,344


12 ;]jf z'Ns -v'b_ ^ 16,177,835 12,395,925


14 Joj:yfkg vr{ & 131,075,409 89,552,944

15 cfos/ * 5,869,176 141,122



hDdf Joo -v_ 473,467,151 354,244,224





cg';"rL ! b]lv ( / @* b]lv @( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] xfd|f] ;+nUg k|ltj]bg cg';f/

ljj]s emf


ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'Ktf

cWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?

cf/=P=cu|jfn

sdn]z s'df/ cu|jfn

xl/ZrGb| ;'j]bL

ljj]s cu|jfnk|sfz ljs|d vqL

k|sfz d'Gb8f

hf]zL P08 e08f/L

rf6{8{ Psfp06]G6\;



cfly{s jif{ @)&@÷&# sf] hLjg ;f/ly hLjg aLdfsf] cfo Joo lx;fa


cfo

1 aLdfz'Ns -v"b_ ! 79,738,912 44,924,254

2 k'gaL{df sldzg cfo 104,725 38,614


4 aLdfn]vsf] lwtf]df shf{af6 cfo # 909,953 390,036

5 cGo k|ToIf cfo -lanDa z'Ns_ 342,177 139,204

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf - -


hDdf cfo -s_ 90,418,933 50,533,162

Joo

8 bfjL e'QmfgL -v'b_ $ 2,609,820 2,021,266

9 clestf{ sldzg % 14,501,105 8,238,909

10 :jf:Yo k/LIf0f z'Ns 185,822 76,021


12 ;]jf z'Ns -v'b_ ^ 796,469 448,633


14 Joj:yfkg vr{ & 6,065,340 3,028,452

15 cfos/ * 96,131 2,079

16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 247,250 -


hDdf Joo -v_ 24,517,426 13,828,377

18 hLjg aLdf sf]ifdf ;f/]sf] art Ö -s_ – -v_ 65,901,507 36,704,785





ljj]s emf


ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'Ktf

cWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?

cf/=P=cu|jfn

sdn]z s'df/ cu|jfn

xl/ZrGb| ;'j]bL


k|sfz d'Gb8f

hf]zL P08 e08f/L

rf6{8{ Psfp06]G6\;



cfly{s jif{ @)&@÷&# sf] ;fdfGo DofbL hLjg aLdfsf] cfo Joo lx;fa


cfo

1 aLdfz'Ns -v"b_ ! 498,752,911 558,761,108

2 k'gaL{df sldzg cfo 415,055 392,144


4 aLdfn]vsf] lwtf]df shf{af6 cfo # - -

5 cGo k|ToIf cfo -lanDa z'Ns_ 5,342 4,445


7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 397,236,477 357,341,500

hDdf cfo -s_ 947,971,141 961,922,624

Joo

8 bfjL e'QmfgL -v'b_ $ 211,487,793 191,873,647

9 clestf{ sldzg % 39,549,372 44,031,019

10 :jf:Yo k/LIf0f z'Ns 4,500 -


12 ;]jf z'Ns -v'b_ ^ 4,900,396 5,448,058

13 cGo k|ToIf vr{ -aLdfn]v l6s6_ 3,969,875 3,918,470

14 Joj:yfkg vr{ & 46,329,384 46,679,135

15 cfos/ * - -


17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 307,483,708 397,236,477

hDdf Joo -v_ 622,890,528 694,759,686

18 hLjg aLdf sf]ifdf ;f/]sf] art Ö -s_ – -v_ - -

19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ 325,080,613 267,162,938




ljj]s emf


ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u'Ktf

cWoIf

/fd]Zj/ >]i7

ljQ÷n]vf k|d'v

;+rfnsx?

cf/=P=cu|jfn

sdn]z s'df/ cu|jfn

xl/ZrGb| ;'j]bL


k|sfz d'Gb8f

hf]zL P08 e08f/L

rf6{8{ Psfp06]G6\;


g]kf

n n

fOkm

OG:

of]/

]G; s

Dkg

L ln

ld6]8

k|wfg s

fof{no

x]l/6]h Knfhf, sdn

fbL, sf7df08

f}+

cf=j @)&@÷&# d

f OSo"6

Ldf eP

sf] kl/jt{g

;DaGwL ljj/0f

ljj/0f

z]o/

k"FhL

;+lrt

gfkmf

gf]S;

fg

k|:tfljt

af]gz

z]o/

k"FhLut

hu]8

f sf]if

z]o/

lk|ldo

dljz]if

hu]8

f sf]if

cGo h

u]8f

tyf sf]if

Dfxf–ljk

QL

hu]8

f sf]if

s"n /sd

z'? d

f}Hbft

1,73

4,0

00,0

00

10,

704,2

51

-

4,0

35,6

95

-

42,

484,1

52

134,2

91,8

49

1,9

25,5

15,9

47

ut a

if{;+u

;DjlGw

t vr{ ;

dfof]hg

-

-

-

-

-

-

-

-

-

;dfof]hLt z

'? d

f}Hbft

1,73

4,0

00,0

00

10,

704,2

51

-

-

4,0

35,6

95

-

42,

484,1

52

134,2

91,8

49

1,9

25,5

15,9

47

cu|flwsf/ z

]o/ h

f/L ul/Psf]

-

-

-

-

-

-

-

-

-

af]gz

z]o/

hf/L ul/Psf]

433

,500

,000

-

4

33,5

00,0

00

gfkmf gf]S;

fg lx;

faaf6

;fl/Ps

f] 9

06,6

34,2

54

-

-

-

-

90,

663,

425

9

97,2

97,6

79

:yug

s/ hu]8

f ;dfof]hg

-

15,

496

,854

-

-

-

-

-

k|:tfljt

af]gz

z]o/

(619

,285,

725)

619

,285,

725

-

k|:tfljt

gub

nfef+z

-

(32,

593,

986)

-

-

-

-

-

(32,

593,

986)

z]o/

lk|ldo

d -

-

-

-

-

-

-

-

z]o/

lk|ldo

d ;dfof]hg

- -

- -

- -

- -

-

dxf–ljk

QL hu]8

f (9

0,66

3,425

) (9

0,66

3,425

)

clGt

d df}Hb

ft 2

,167

,500

,000

1

90,2

92,2

23

619

,285,

725

-

4,0

35,6

95

-

26,9

87,

298

224,9

55,2

74

3,2

33,0

56,2

15

n]vf;DaGwL gLltx?

-

-

-

-

-

-

-

-

-

ljQLo ljj

/0f;+u

;DalGw

t n]vf

;DaGwL l6Kk0fLx?

-

-

-

-

-

-

-

-

-

cg';

"rL ! b]lv ( / @* b]lv @( ;Dd o

;sf cleGg c

+u x'g

\ .

cfhsf] ldltsf] xfd|f] ;

+nUg k

|ltj]b

g cg';

f/

ljj]s

emf

k|d'v s

fo{sf/L clws[t

ldltM @)&#÷!)÷@^

7]ufgfM sf7df8f}+

/d]z u

'Ktf

cWoIf

/fd]Zj/ >

]i7

ljQ÷n

]vf k|d

'v

;+rfnsx?

cf/=P=cu|j

fn

sdn

]z s

'df/ cu|j

fn

xl/ZrGb| ;

'j]bL

ljj]s

cu|j

fn

k|sfz ljs

|d vqL

k|sfz d

'Gb8f

hf]zL P08 e

08f/L

rf6{8{ P

sfp06]G6\;


g]kf

n n

fOkm

OG:

of]/

]G; s

Dkg

L ln

ld6]8

k|wfg s

fof{no

x]l/6]h Knfhf, sdn

fbL, sf7df08

f}+

cfiff9 #!, @)&# -h

'nfO{ !%, @)!^_ s

f] cfly

{s ljj

/0f ;DaGwL cg';

"rL

cg';

"rL–!

-s_ v'b

aLdfz'Ns

qm=;

+=aLdfsf] lsl;d

s"n a

Ldfz'Ns

k'gaL{df z

'Ns e

'Qmfg

L -C

eded

_v'b

aLdfz'Ns

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

4,2

72,9

27,6

80

3,1

61,6

46,

626

14,9

58,6

04

11,

195,

971

4,2

57,9

69,0

76

3,1

50,4

50,6

55

@cu|Ld

e'Qmfg

L 3

,731

,535

,694

3

,024

,526

,968

5

3,10

2,64

5 4

6,54

0,94

0 3

,678

,433

,049

2,9

77,9

86,

028

#hLjg

;xf/f -?kfGtl/t

;falws_

1,6

31,8

28,7

41

1,2

50,0

81,

113

11,

583,

370

8,3

06,4

59

1,6

20,2

45,

371

1,2

41,

774,6

54

$hLjg

;f/ly -cGo_

80,

171,

615

45,

156,

040

432

,703

2

31,7

86

79,

738,9

12

44,9

24,2

54

%;fdfGo

Doflb

539

,750

,934

6

11,8

82,

474

4

0,99

8,0

23

53,

121,

366

498

,752

,911

5

58,7

61,1

08

hDdf

10,

256,

214,6

64

8,0

93,2

93,2

21

121

,075

,345

119

,396

,522

1

0,13

5,13

9,31

9 7

,973

,896

,699

-v_ s"n a

Ldfz'Ns

qm=;

+=aLdfsf] lsl;d

k|ToIf aLdfz'Ns

k|fKt k

'gaL{df z'Ns

-A

ccep

ted_

s"n a

Ldfz'Ns

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

4,2

72,9

27,6

80

3,1

61,6

46,

626

-

-

4,2

72,9

27,6

80

3,1

61,6

46,

626

@cu|Ld

e'Qmfg

L 3

,731

,535

,694

3

,024

,526

,968

-

-

3

,731

,535

,694

3

,024

,526

,968

#hLjg

;xf/f -?kfGtl/t

;falws_

1,6

31,8

28,7

41

1,2

50,0

81,

113

-

-

1,6

31,8

28,7

41

1,2

50,0

81,

113

$hLjg

;f/ly -cGo_

80,

171,

615

45,

156,

040

-

-

80,

171,

615

45,

156,

040

%;fdfGo

Doflb

539

,750

,934

6

11,8

82,

474

-

-

5

39,7

50,9

34

611

,882,

474

hDdf

10,

256,

214,6

64

8,0

93,2

93,2

21

-

-

10,

256,

214,6

64

8,0

93,2

93,2

21

-u_ k|ToIf aLdfz'Ns

qm= ;+=

aLdfsf] lsl;d

k|yd

aif{sf] aLdfz'Ns

gjLs/0f aLdfz'Ns

Psn a

Ldfz'Ns

hDdf k|ToIf aLdfz'Ns

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

!;fjlws h

Ljg

1,1

36,7

32,5

45

715

,271

,226

2

,396

,206

,371

1,

960,

201,

449

739,

988,7

64

486,

173,

951

4,2

72,9

27,6

80

3,1

61,6

46,

626

@cu|Ld

e'Qmfg

L 8

09,0

33,2

67

1,6

12,1

40,

470

2,

886,

475

,258

1,

372,

800

,259

3

6,02

7,16

9 3

9,58

6,23

9 3

,731

,535

,694

3

,024

,526

,968

#hLjg

;xf/f -?kfGtl/t

;falws_

541,

996,

448

405

,433

,595

1

,089,

832

,293

8

44,6

47,

518

-

-

1,63

1,828

,741

1,2

50,0

81,

113

$hLjg

;f/ly -cGo_

42,

455

,237

2

5,17

2,56

2 3

7,71

6,37

8

19,

983,

478

-

-

8

0,17

1,61

5 4

5,15

6,04

0

%;fdfGo

Doflb

6,4

36,2

85

4,6

84,8

45

4,1

68,7

41

1,8

00,3

03

529,

145,

908

605

,397

,326

5

39,7

50,9

34

611

,882,

474

hDdf

2,5

36,6

53,7

82

2,7

62,7

02,6

98

6,414

,399

,041

4,1

99,4

33,0

07

1,30

5,16

1,841

1,1

31,1

57,5

16

10,2

56,2

14,6

64

8,0

93,2

93,2

21



cfiff9 #!, @)&# -h'nfO{ !%, @)!^_ sf] cfly{s ljj/0f ;DaGwL cg';"rL

cg';"rL–@

nufgL, shf{ tyf cGoaf6 cfo


1 ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Laf6 cfo 153,176,212 165,920,231

2 jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo 1,263,582,439 1,126,076,695

3 ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo 21,835,547 -

4 gful/s nufgL of]hgfaf6 cfo - -

5 ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo - -

6 cfjf; ljQ sDkgLsf] ;fwf/0f z]o/af6 nfef+z - -

7 cGo klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z 14,097,899 24,012,446

8 a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/af6 nfef+z - -

9 a}+s tyf ljQLo ;+:yfsf] l8j]Gr/af6 cfo 101,717,348 74,630,548

10 cGo -ljj/0f v'nfpg]_ af6 cfo - -

11 shf{af6 cfo 30,343,469 17,806,105

12 cGo lgIf]kaf6 -d'2tL afx]s_ cfo 19,345,626 20,544,467

13nufgL laqmLdf gfkmf 514,805,524 75,834,312 Go"g nufgL laqmLdf gf]S;fg - -

14nufgL -v/Lb_ df gfkmf - - Go"g nufgL -v/Lb_ df gf]S;fg (3,225,895) (7,625,913)

15l:y/ ;DkQL laqmLaf6 gfkmf 1,837,373 - Go"g l:y/ ;DkQL laqmLaf6 gf]S;fg - -

16 vftf ckn]vg - -

17 cl3Nnf jif{;+u ;DalGwt cfo - -

18 cGo cfo 20,879,472 23,610,307 hDdf 2,138,395,014 1,520,809,198

nufgL, shf{ tyf cGoaf6 cfosf] afF8kmfF8

gfkmf gf]S;fg lx;fadf ;f/]sf] 162,475,126 116,761,680

1 ;fjlws hLjg jLdfsf] cfo Joo lx;fadf ;f/]sf] 1,093,819,513 806,397,419

2 cu|Ld e'QmfgL jLdfsf] cfo Aoo lx;fjdf ;f/]sf] 496,811,181 322,244,127

3 ?kfGtl/t jLdfsf] cfo Aoo lx;fjdf ;f/]sf] 329,977,552 226,192,116

4 hLjg ;f/ly hLjg jLdfsf] cfo Aoo lx;fjdf ;f/]sf] 9,323,166 5,041,054

5 ;FfdfGo Doflb hLjg jLdfsf] cfo Aoo lx;fjdf ;f/]sf] 45,988,476 44,172,802

hDdf 2,138,395,014 1,520,809,198

cg';"rL–#aLdfn]vsf] lwtf]df shf{ / cfo

qm=;+= aLdfsf] lsl;daLdfn]vsf] lwtf]df shf{ aLdfn]vsf] lwtf]df shf{af6 cfo

o; aif{ ut aif{ o; aif{ ut aif{

1 ;fjlws hLjg 2,095,790,481 1,370,050,274 182,246,140 134,297,265

2 cu|Ld e'QmfgL 1,108,611,441 348,871,363 77,739,547 22,880,092

3 hLjg ;xf/f -?kfGtl/t ;falws_ 599,746,997 386,631,807 52,059,653 32,601,655

4 hLjg ;f/ly -cGo_ 11,474,325 6,422,210 909,953 390,036

5 ;fdfGo Doflb - - - -

hDdf 3,815,623,244 2,111,975,654 312,955,293 190,169,048


g]kf

n n

fOkm

OG:

of]/

]G; s

Dkg

L ln

ld6]8

k|wfg s

fof{no

x]l/6]h Knfhf, sdn

fbL, sf7df08

f}+cfiff9 #!, @)&# -h

'nfO{ !%, @)!^_ s

f] cfly

{s ljj

/0f ;DaGwL cg';

"rL

cg';

"rL–$

bfjL e

'Qmfg

L

qm=;

+=aLdfsf] lsl;d

d[To'

bfjL e

'Qmfg

Lcjlw

;dfKtL bfjL e

'Qmfg

Lcf+lz

s c

jlw

;dfKtL bfjL e

'Qmfg

L;dk

{0f d

"No b

fjL e'Q

mfgL

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

52,

902,

498

3

6,91

4,0

33

315

,285,

677

212

,004

,145

-

-

255

,653

,075

2

26,8

34,6

70

@cu|Ld

e'Qmfg

L 3

4,8

73,7

10

39,

489,

210

6,7

71,6

00

377

,500

3

33,5

11,6

59

111

,811

,155

2

9,447,

589

22,

188,9

81

#hLjg

;xf/f -?kfGtl/t

;falws_

24,0

25,3

78

24,2

67,6

17

8,0

68,3

88

4,0

81,

205

-

-

62,

128,2

62

56,

552,

815

$hLjg

;f/ly -cGo_

1,2

00,0

00

1,0

04,0

00

-

-

-

-

676

,484

538

,905

%;fdfGo

Doflb

251

,854

,452

2

36,9

67,9

13

-

-

-

-

-

-

hDdf M

364

,856

,038

3

38,6

42,

773

330

,125

,665

2

16,4

62,8

50

333

,511

,659

1

11,8

11,1

55

347,

905,

410

3

06,1

15,3

71

qm=;

+=aLdfsf] lsl;d

cGo b

fjL e'Q

mfgL

s"n b

fjL e'Q

mfgL

s"n b

fjL e'Q

mfgLdf k'g

aL{ds

sf] lx:;

fbfjL e

'Qmfg

L -v

'b_

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

3,2

94,1

31

2,6

71,2

65

627

,135

,381

478

,424

,113

3

,556

,699

6

33,8

38

623

,578

,682

477

,790

,275

@cu|Ld

e'Qmfg

L -

1

52,4

42

404

,604

,558

1

74,0

19,2

88

5,0

94,0

30

9,5

79,5

32

399

,510

,528

1

64,4

39,7

56

#hLjg

;xf/f

-?kfGtl/t

;falws_

-

-

94,2

22,0

28

84,9

01,6

37

384,0

82

327

,868

9

3,837

,946

84,5

73,7

69

$hLjg

;f/ly -cGo_

733

,336

4

78,3

61

2,6

09,8

20

2,0

21,2

66

-

-

2,6

09,8

20

2,0

21,2

66

%;fdfGo

Doflb

-

-

251

,854

,452

2

36,9

67,9

13

40,

366,

659

45,

094,2

66

211

,487,

793

191

,873

,647

hDdf M

4,0

27,4

67

3,3

02,0

68

1,38

0,426

,239

9

76,3

34,2

17

49,

401

,470

5

5,63

5,50

4

1,33

1,02

4,7

69

920

,698

,713


g]kf

n n

fOkm

OG:

of]/

]G; s

Dkg

L ln

ld6]8

k|wfg s

fof{no

x]l/6]h Knfhf, sdn

fbL, sf7df08

f}+cfiff9 #!, @)&# -h

'nfO{ !%, @)!^_ s

f] cfly

{s ljj

/0f ;DaGwL cg';

"rL

cg';

"rL–%

clestf{ s

ldzg

qm=;

+=aLdfsf] lsl;d

k|yd

aif{sf] aLdfz'Ns

df

clestf{ s

ldzg

gjLs/0f aLdfz'Ns

df c

lestf{

sldzg

Psn a

Ldfz'Ns

df c

lestf{

sldzg

hDdf clestf{ s

ldzg

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

228

,279

,739

15

2,20

8,3

43

164

,293

,156

1

26,8

11,4

44

44,3

99,3

26

28,5

18,3

97

436

,972

,221

3

07,5

38,1

84

@cu|Ld

e'Qmfg

L 1

37,2

47,

073

248,7

39,2

73

302

,199

,691

1

64,5

76,0

29

2,1

61,6

30

2,4

72,2

42

441,

608,3

94

415

,787,

544

#hLjg

;xf/f -?kfGtl/t

;falws_

124

,391

,182

93,

552,

722

90,

935,

162

65,

996,

904

-

-

215

,326

,344

159

,549,

626

$hLjg

;f/ly -cGo_

10,

324,1

41

6,2

17,7

88

4,1

76,9

64

2,0

21,1

21

-

-

14,5

01,1

05

8,2

38,9

09

%;fdfGo

Doflb

556

,521

4

52,1

33

54,8

15

47,

060

38,9

38,0

36

43,

531,

826

3

9,54

9,37

2 4

4,0

31,0

19

hDdf

500

,798

,656

50

1,17

0,25

9 5

61,6

59,7

88

359

,452

,558

8

5,498

,992

7

4,5

22,4

65

1,14

7,95

7,436

9

35,1

45,

282

cg';

"rL–^

v'b

;]jf z

'Ns

qm=;

+=aLdfsf] lsl;d

s"n ;

]jf z

'Nss"n ;

]jf z

'Nsdf k

'gaL{dssf] lx:;

fv'b

;]jf z

'Ns

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

42,

729,

277

31,

616,

466

1

81,

378

141,

372

42,

547,

899

3

1,475

,094

@cu|Ld

e'Qmfg

L 3

7,31

5,35

7 3

0,24

5,27

0 6

43,

886

587,

675

36,

671,

471

2

9,65

7,59

5

#hLjg

;xf/f -?kfGtl/t

;falws_

16,

318,2

87

12,

500,

811

1

40,

452

1

04,8

86

16,

177,

835

1

2,39

5,92

5

$hLjg

;f/ly -cGo_

801

,716

4

51,5

60

5,2

47

2,9

27

796

,469

4

48,6

33

%cf]e/l;; -;fdfGo

Doflb_

5,3

97,5

09

6,1

18,8

25

497

,113

6

70,7

67

4,9

00,3

96

5,4

48,0

58

hDdf

102

,562

,146

80,

932,

932

1,4

68,0

76

1,5

07,6

27

101

,094

,070

7

9,425

,305




cg';"rL–&

Joj:yfkg vr{


1 sd{rf/L vr{ -cg';"rL &=! adf]lhd_ 187,759,705 224,884,236

2 3/ ef8f 31,249,856 27,443,526

3 lah'nL tyf kfgL 4,284,760 5,327,461

4

dd{t tyf ;Def/

-s_ ejg 334,813 344,045

-v_ ;jf/L ;fwg 387,045 408,281

-u_ sfof{no pks/0f 880,838 1,174,319

-3_ cGo -d]l;g/L_ 508,196 440,371

5 ;+rf/ 10,410,695 10,630,050

6 5kfO{ tyf d;nGb 12,155,456 14,700,455

7 vr{ x'g] sfof{no ;fdfg 1,775,325 2,715,490

8 kl/jxg 5,189,361 5,752,219

9

e|d0f vr{ -eQf ;d]t_

-s_ cfGtl/s 2,891,412 7,764,041

-v_ j}b]lzs 930,214 2,681,208

10 clestf{ tflnd 1,657,395 1,404,712

11 clestf{ cGo 624,052,337 494,415,667

12 aLdfz'Ns 4,140,840 3,501,001

13 ;'/Iff vr{ 271,200 293,800

14 sfg"gL tyf k/fdz{ z'Ns 1,033,670 325,810

15 kq klqsf tyf k':ts 177,328 171,776

16 lj1fkg tyf k|rf/ k|;f/ 6,204,528 7,165,795

17 Jofkf/ k|j4{g 1,060,982 2,128,997

18 cltyL ;Tsf/ 568,243 938,780

19 rGbf tyf pkxf/ 260,030 5,622,904

20

;+rfns ;ldlt ;DaGwL vr{

-s_ a}7s eQf 1,257,700 695,000

-v_ cGo 289,179 286,818

21

cGo ;ldlt÷pk–;ldlt ;DaGwL vr{

-s_ a}7s eQf - -

-v_ cGo - -

22 ;fwf/0f ;ef ;DaGwL vr{ 1,417,155 301,333

23-s_ aLdf°Lo ;]jf z'Ns - -

-v_ aLdf°Lo vr{ 1,355,600 480,000


24

n]vf k/LIf0f ;DaGwL vr{

-s_ n]vf k/LIf0f z'Ns 1,000,000 102,547

-v_ s/ n]vf k/LIf0f z'Ns - 102,547

-u_ lj:t[t n]vf k/LIf0f k|ltj]bg z'Ns - 84,750

-3_ cGo z'Ns - 20,000

-ª_ cfGtl/s n]vf k/LIf0f vr{ 1,000,000 460,046

-r_ vr{ 29,815 217,689

25 Aofh - -

26 a}+s rfh{ 545,925 693,682

27 z'Ns tyf b:t"/ 4,515,498 4,488,362

28 X|f; s§L 19,269,075 18,693,951

29 x'nfs l6s6 1,067,673 1,165,385

30

cGo

s_ sd{rf/L dgf]/Ghg 3,790,674 4,702,446

v_ sd{rf/L uf]i7L tyf ;Dd]ng 1,029,321 1,622,828

u_ ljljw 1,988,532 1,850,690

hDdf 936,740,376 856,203,018

afF8kmfF8sf] nflu hDdf

! gfkmf gf]S;fg lx;fa 93,674,038 268,425,292

@ ;fjlws hLjg 355,089,190 234,500,386

# cu|Ld e'QmfgL 304,507,016 214,016,808

$ hLjg ;xf/f -?kfGtl/t ;falws_ 131,075,409 89,552,944

% hLjg ;f/ly -cGo_ 6,065,340 3,028,452

^ ;fdfGo Doflb 46,329,384 46,679,135

hDdf 936,740,376 856,203,018

cg';"rL &=!

sd{rf/L vr{


!= tna 92,572,477 87,920,854

@= eQf 45,950,670 43,606,511

#= bz}+ vr{ 10,872,761 9,753,607

$= ;~rosf]ifdf yk 7,808,356 6,994,995

%= tflnd vr{ 15,735 245,910

^= kf]zfs - -

&= cf}ifwf]krf/ 4,281 6,329

*= aLdf 1,772,467 6,780,628

(= k]G;g tyf pkbfg Joj:yf 11,494,476 23,739,219

!)= ljbf afktsf] vr{ tyf Joj:yf 9,917,140 13,090,323

!!= cGo ;'ljwf afkt Joj:yf -3/ ef8f_ 612,000 553,700

!@= cGo -k|f]T;fxg_ 213,412 26,781,402

!#= cGo -;jf/L shf{_ 6,525,930 5,410,758

hDdf 187,759,705 224,884,236




cg';"rL– *

cfos/


! o; aif{sf] cfos/ 33,732,054 -

@ cl3Nnf aif{x?sf] cfos/ 1,736,261 845,640

# afF8kmfF8sf] nflu cfos/sf] hDdf 35,468,315 845,640

$ o; jif{sf] :yug s/ 15,496,854 (11,578,981)

afF8kmfF8

! gfkmf gf]S;fg lx;fadf ;f/]sf] -u_ Ö -s_ ± -v_ 17,527,027 (11,578,981)

@ -s_ afF8kmf8af6 cfPsf] cfos/ 2,030,173 -

# -v_ o; aif{sf] :yug s/ 15,496,854 (11,578,981)

$ ;fjlws hLjg 21,798,350 590,661

% cu|Ld e'QmfgL 5,674,484 111,778

^ hLjg ;xf/f -?kfGtl/t ;falws_ 5,869,176 141,122

& hLjg ;f/ly -cGo_ 96,131 2,079

* cf]e/l;; -;fdfGo Doflb_ - -

hDdf 35,468,314 845,640


g]kf

n n

fOkm

OG:

of]/

]G; s

Dkg

L ln

ld6]8

k|wfg s

fof{no

x]l/6]h Knfhf, sdn

fbL, sf7df08

f}+

cfiff9 #!, @)&# -h

'nfO{ !%, @)!^_ s

f] cfly

{s ljj

/0f ;DaGwL cg';

"rL

cg';

"rL–

(cfly

{s j

if{sf] cGTod

f e'Q

mfgL x'g

afFsL bfjL a

fkt

Joj:yf

qm=;

+=aLdfsf] lsl;d

e'Qmfg

L x'g

afFsL d[To'

bfjL

e'Qmfg

L x'g

afFsL cjlw

;dfKtL bfjL

e'Qmfg

L x'g

afFsL cf+lz

s

cjlw

;dfKtL bfjL

e'Qmfg

L x'g

afFsL

;dk

{0f d

"No b

fjL

e'Qmfg

L x'g

afFsL cGo

bfjL

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

10,

797,

580

10,9

95,6

15

53,1

56,7

58

37,4

08,9

39

-

-

-

-

-

-

@cu|Ld

e'Qmfg

L 7

,297

,730

1

0,55

8,8

44

4,1

19,8

50

1,0

17,9

66

190,

743,

750

80,

323,

250

-

-

-

-

#hLjg

;xf/f -?kfGtl/t

;falws_

7,5

06,1

05

5,3

06,8

11

919

,885

457

,225

-

-

-

-

-

-

$hLjg

;f/ly -cGo_

215

,000

-

-

-

-

-

-

-

-

-

%cf]e/l;; -;fdfGo

Doflb_

9,3

50,0

00

5,6

83,

510

-

-

-

-

-

-

-

-

hDdf M

35,

166,

415

32

,544,7

80

58,1

96,4

93

38,8

84,1

30

190,

743,

750

80,

323,

250

-

-

-

-

qm=;

+=aLdfsf] lsl;d

;[hgf e

Psf] t/ h

fgsf/Ldf

gcfPsf] bfjL -cg'd

flgt_

e'Qmfg

L x'g

afFsL hDdf bfjL

e'Qmfg

L x'g

afFsL hDdf bfjLdf

k'gaL{ds

sf] lx:;

fe'Q

mfgL x'g

afFsL bfjL a

fkt

Joj:yf

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!;fjlws h

Ljg

-

-

63,

954,3

38

48,4

04,5

54

1,8

79,5

00

-

71,

386,

064

55,

665,

237

@cu|Ld

e'Qmfg

L -

-

2

02,1

61,3

30

91,

900,

060

771

,070

-

2

31,5

98,7

99

10

5,68

5,06

9

#hLjg

;xf/f -?kfGtl/t

;falws_

-

-

8,4

25,9

90

5,7

64,0

36

100

,000

-

9

,574

,889

6,6

28,6

41

$hLjg

;f/ly -cGo_

-

-

215

,000

-

-

-

2

47,

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cg';

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%cf]e/l;; -;fdfGo

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-

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hDdf M

-

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cg';"rL– !@

Joj:yf lkmtf{


!= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 44,414,397 44,967,294 @= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ - - #= z+sf:kb cf;fdL Joj:yf lkmtf{ - - $ cGo Joj:yf lkmtf{ - -

hDdf 44,414,397 44,967,294

cg';"rL– !#

ckn]vg vr{x?


1 k|f/lDes vr{x? - -

2 k"j{ ;+rfng vr{x? - -

3 k/ ;fl/Psf vr{x? - -

4 ckn]vg ul/Psf] nufgL - -

5 ckn]vg ul/Psf] shf{ - -

6 ckn]vg ul/Psf] cf;fdL - -

7 cGo ckn]vg - - hDdf - -

cg';"rL !#s

z]o/ ;DaGwL vr{


! z]o/ lgZsf;g vr{ - - @ z]o/ /lhi6«];g vr{ - - # z]o/ ;"lrs/0f vr{ - - $ nfef+z ljt/0f vr{ - - % z]o/ ;DaGwL cGo vr{ - -

hDdf - -

cg';"rL !$cGo vr{x?


1 b08 hl/jfgf - -

2 ljnDa z'Ns hl/jfgf - -

3 cGo -ljj/0f v'nfpg]_ - hDdf - -

cg';"rL !%

gf]S;fgLsf] nflu Joj:yf


!= nufgLdf gf]S;fgsf] nflu Joj:yf - 60,115,558 @= shf{df gf]S;fgsf] nflu Joj:yf - - #= z+sf:kb cf;fdL Joj:yf 658,092 - $ cGo Joj:yf - -

hDdf 658,092 60,115,558




cg';"rL– !^

-s_ z]o/ k"FhL


!=

clws[t k"FhL

s_ ?=!)) b/sf] %),))),))) yfg ;fwf/0f z]o/ 5,000,000,000 2,000,000,000 v_ ?============ b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/

u_ ?========== b/sf] ====== yfg kl/jt{gLo cu|flwsf/ z]o/

@=

hf/L k"FhL

s_ ?=!)) b/sf] @,!^&,%)),))) yfg ;fwf/0f z]o/ 2,167,500,000 1,734,000,000 v_ ?============ b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/

u_ ?========== b/sf] ====== yfg kl/jt{gLo cu|flwsf/ z]o/

#=

r'Qmf k"FhL

s_ ? !)) b/sf] @,!^&,%)),))) yfg ;fwf/0f z]o/ 2,167,500,000 1,734,000,000 v_ ?============ b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/

u_ ? b/sf] yfg kl/jt{gLo cu|flwsf/ z]o/

hDdf 2,167,500,000 1,734,000,000

v_ z]o/ :jfldTjsf] ;+/rgf

z]o/wgLo; aif{ ut aif{

;fwf/0f z]o/ ;+Vof :jfldTjsf] Ü ;fwf/0f z]o/ ;+Vof :jfldTjsf] Ü

;+:yfks

g]kfnL ;+ul7t ;+:yfx?

g]kfnL gful/s 17,340,000 80 13,872,000 80 ljb]zL - - - - hDdf 17,340,000 80 13,872,000 80

cGo -;j{ ;fwf/0f _ 4,335,000 20 3,468,000 20 s"n 21,675,000 100 17,340,000 100

Ps k|ltzt jf a9L z]o/ :jfldTj ePsf z]o/wgLx?sf] ljj/0f


:jfldTjsf] Ü /sd :jfldTjsf] Ü /sd

1 uf]laGb nfn ;+3O{ 17.02% 368,995,125 17.02% 295,196,100

2 sljtf ;+3O{ 15.58% 337,611,750 15.58% 270,089,400

3 cg'h cu|jfn 7.03% 152,417,750 7.14% 123,752,200

4 af;'b]j uf]Nof0f 5.95% 128,890,125 5.96% 103,312,100

5 kjg s'df/ uf]Nof0f 4.71% 102,125,000 5.00% 86,700,000

6 k'?iff]Qd nfn ;+3O{ 4.85% 105,189,375 4.93% 85,451,500

7 ;'lx|b /fh l3ld/] 2.00% 43,350,000 2.00% 34,680,000

8 /d]z u'Ktf 1.60% 34,784,000 1.60% 27,827,200

9 ;'efif rGb| ;+3O{ 1.28% 27,744,000 1.28% 22,195,200




cg';"rL– !&

hu]8f tyf sf]if


1 :yug s/ hu]8f 26,987,298 42,484,152

2 k"FhLut hu]8f - -

3 ljz]if hu]8f - -

4 cGo hu]8f -ljj/0f v'nfpg]_ - -

5 z]o/ lk|ldod 4,035,695 4,035,695

6 k|:tfljt af]gz z]o/ 619,285,725 433,500,000

7 k"FhLs[t x'g afFsL af]g; z]o/ - -

8 Gffkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf 190,292,223 10,704,251

hDdf 840,600,941 490,724,098

cg';"rL– !*

dxf–ljklQ hu]8f

jif{sf] z'?df dxf–ljklQ hu]8f gfkmf gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf dxf–ljklQ hu]8f

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

134,291,849 81,536,270 90,663,425 52,755,579 224,955,274 134,291,849

cg';"rL– !(

ltg{ afFsL bL3{sflng C0f tyf ;fk6L


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hDdf

484,1

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336

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336

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cg';"rL– @!

-s_ nufgL


-s_ bL3{sflng nufgL M

! ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 676,000,000 676,000,000 @ jfl0fHo a}+ssf] d'2tL lgIf]k 2,320,000,000 3,215,000,000 # ljsf; a}+ssf] d'2tL lgIf]k - - $ gful/s nufgL of]hgf 101,511,106 63,841,285 % ljQLo ;+:yfsf] d'2tL lgIf]k - - ^ cfjf; ljQ sDkgLsf] OSo"6L z]o/-cg';"rL @!=! adf]lhd_ 1,098,100,333 1,237,939,409 & cGo sDkgLsf] ;fwf/0f z]o/ - - * a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ 1,224,809,000 944,189,000 ( cGo - -

hDdf M 5,420,420,439 6,136,969,694 -v_ cNksflng nufgL M

! ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L - 1,338,373,000 @ jfl0fHo a}+ssf] d'2tL lgIf]k 22,385,000,000 12,777,500,000 # ljsf; a}+ssf] d'2tL lgIf]k 420,000,000 - $ gful/s nufgL of]hgf - - % ljQLo ;+:yfsf] d'2tL lgIf]k - - ^ a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ - 80,000,000 & jfl0fHo a}+ssf] Aofh k|fKt x'g] cGo lgIf]k 1,164,963,088 1,528,670,415 * ljsf; a}+ssf] Aofh k|fKt x'g]] cGo lgIf]k 38,151,309 79,025,934 ( ljQLo ;+:yfsf] Aofh k|fKt x'g] cGo lgIf]k 24,324,862 30,097,158 !) cGo Aofh k|fKt x'g] nufgL -ljj/0f v'nfpg]_ - -

hDdf M 24,032,439,259 15,833,666,507 hDdf M 29,452,859,698 21,970,636,201



cfiff9 #!, @)&# -h'nfO{ !%, @)!^_ sf] cfly{s ljj/0f ;DaGwL cg';"rL cg';"rL– @!

-v_ z]o/df nufgL

qm=;+= sDkgL v'b /sd c+lst d"No k/n d"No ahf/ d"No

1 s[lif lasfz a}+s lnld6]8sf] %&,^$& lsQf ;fwf/0f z]o/ 35,215,617 5,764,700 35,215,617 44,272,896

2 a}+s ckm sf7df8f}+ lnld6]8sf] @,@(,(^( lsQf ;+:yfks z]o/ 40,825,401 22,996,890 40,825,401 45,993,780

3 a}+s ckm sf7df8f}+ lnld6]8sf] ^,#@& lsQf ;fwf/0f z]o/ 3,266,327 632,700 3,266,327 3,701,295

4 l5d]s n3'ljQ ljsfz a}+s lnld6]8sf] #)% lsQf ;fwf/0f z]o/ 389,183 30,500 389,183 698,450

5 lrlnd] xfO8«f] kfj/ sDkgL lnld6]8sf] #@,(^! lsQf ;fwf/0f z]o/ 54,954,723 3,296,100 54,954,723 47,463,840

6 l;l6hG;\ a}+s OG6/g]Zgn lnld6]8sf] !&,#!^ lsQf ;fwf/0f z]o/ 9,602,237 1,731,600 9,602,237 11,774,880

7 gful/s nufgL sf]ifsf] #,$*! lsQf ;fwf/0f z]o/ 11,554,491 348,100 11,554,491 17,909,745

8 l;len a}+s lnld6]8sf] (,^*$ lsQf ;fwf/0f z]o/ 2,501,089 968,400 2,501,089 2,469,420

9 l8K/f]S;\ 8]enkd]G6 a}+s lnld6]8sf] %,@!% lsQf ;fwf/0f z]o/ 13,716,102 521,500 13,716,102 17,313,800

10 b]j lasfz a}+s lnld6]8sf] !* lsQf ;fwf/0f z]o/ 7,692 1,800 7,692 5,778

11 Pe/]i6 a}+s lnld6]8sf] ^,%$) lsQf ;fwf/0f z]o/ 19,808,357 654,000 19,808,357 22,137,900

12 km:6 dfOs|f]kmfOgfG;\ 8]enkd]G6 a}+s lnld6]8sf] ^(@ lsQf ;fwf/0f z]o/ 808,019 69,200 808,019 1,384,000

13 Unf]]jn cfO{PdO{ a}+s lnld6]8sf] $),!@% lsQf ;fwf/0f z]o/ 18,900,097 4,012,500 18,900,097 20,664,375

14 u|f08 a}+s g]kfn lnld6]8sf] !,)(,@)% lsQf ;fwf/0f z]o/ 34,626,187 10,920,500 34,626,187 20,093,720

15 hnljw't nufgL tyf ljsfz sDkgL lnld6]8sf] &%$ lsQf ;fwf/0f z]o/ 75,400 75,400 75,400 326,482

16 lxdfnog a}+s lnld6]8sf] @%,)#! lsQf ;fwf/0f z]o/ 32,460,011 2,503,100 32,460,011 37,546,500

17 cfO{l;Pkm;L kmfOgfG;\ sDkgL lnld6]8sf] !,#)@ lsQf ;fwf/0f z]o/ 292,325 130,200 292,325 475,230

18 s}nfz lasfz a}+s lnld6]8sf] !$,)#! lsQf ;fwf/0f z]o/ 4,484,549 1,403,100 4,484,549 5,065,191

19 s'df/L a}+s lnld6]8sf] $,@^@ lsQf ;fwf/0f z]o/ 1,625,757 426,200 1,625,757 1,640,870

20 nIdL a}+s lnld6]8sf] ^,%^# lsQf ;fwf/0f z]o/ 4,446,222 656,300 4,446,222 5,460,416

21 n'lDagL a}+s lnld6]8sf] !!,%)) lsQf ;fwf/0f z]o/ 3,600,571 1,150,000 3,600,571 4,611,500

22 df5fk'R5]« a}+s lnld6]8sf] !),%)) lsQf ;fwf/0f z]o/ 4,694,440 1,050,000 4,694,440 7,140,000

23 dlxnf ;xofqL lasfz a}+s lnld6]8sf] $& lsQf ;fwf/0f z]o/ 78,071 4,700 78,071 83,895

24 d]3f a}+s g]kfn lnld6]8sf] (@) lsQf ;fwf/0f z]o/ 354,155 92,000 354,155 519,800

25 d]/f] dfOs|f]kmfOgfG;\ lasfz a}+s lnld6]8sf] $! lsQf ;fwf/0f z]o/ 4,100 4,100 4,100 4,100

26 gljn a}s lnld6]8sf] @(,^%# yfg z]o/ lsQf ;+:yfks z]o/ 39,055,575 2,965,300 39,055,575 52,930,605

27 gljn a}s lnld6]8sf] &,)(! lsQf ;fwf/0f z]o/ 16,130,187 709,100 16,130,187 16,621,304

28 GofbL xfO8«f]kfj/ sDkgL lnld6]8sf] %&( lsQf ;fwf/0f z]o/ 57,900 57,900 57,900 57,900

29 g]kfn a+unfb]z a}+s lnld6]8sf] !,%&% lsQf ;fwf/0f z]o/ 1,186,279 157,500 1,186,279 1,354,500

30 g]kfn a}+s lnld6]8sf] @,^^,)^# lsQf ;fwf/0f z]o/ 108,502,555 26,606,300 108,502,555 125,049,610

31 g]kfn s|]l86 P08 sdz{ a}+s lnld6]8sf] @,$&,(%@ lsQf ;fwf/0f z]o/ 89,846,895 24,795,200 89,846,895 90,006,576

32 g]kfn u|fldg ljsfz a}+s lnld6]8sf] () lsQf ;fwf/0f z]o/ 74,944 9,000 74,944 97,200

33 g]kfn OGe]i6d]G6 a}+s lnld6]8sf] *(,!$* lsQf ;+:yfks z]o/ 70,588,577 8,914,800 70,588,577 79,965,756

34 g]kfn OGe]i6d]G6 a}+s lnld6]8sf] #!,#^@ lsQf ;fwf/0f z]o/ 33,956,875 3,136,200 33,956,875 32,616,480

35 g]kfn OG:of]/]G;\ sDkgL lnld6]8sf] @)) lsQf ;fwf/0f z]o/ 237,503 20,000 237,503 247,000

36 g]kfn l/OG:of]/]G;\ sDkgL lnld6]8sf] %,)!,^^^ lsQf ;+:yfks z]o/ 50,166,600 50,166,600 50,166,600 50,166,600

37 g]kfn P;lacfO a}+s lnld6]8sf] !),@## lsQf ;fwf/0f z]o/ 13,753,560 1,023,300 13,753,560 19,186,875

38 g]kfn 6]lnsd lnld6]8sf] !(*,^$% lsQf ;fwf/0f z]o/ 125,834,056 19,864,500 125,834,056 136,866,405

39 g]?8] n3'ljQ ljsfz a}+s lnld6]8sf] @,%%! lsQf ;fwf/0f z]o/ 5,808,361 255,100 5,808,361 6,887,700

40 PgcfO{;L Plzof a}+s lnld6]8sf] %,)(,%@! lsQf ;+:yfks z]o/ 61,190,400 50,952,100 61,190,400 293,993,617

41 PgcfO{;L Plzof a}+s lnld6]8sf] @),&&% lsQf ;fwf/0f z]o/ 3,143,052 2,077,500 3,143,052 16,578,450

42 PgPdaL a}+s lnld6]8sf] !$,%)* lsQf ;fwf/0f z]o/ 5,520,666 1,450,800 5,520,666 11,432,304

43 cf]l/oG6n xf]6]n lnld6]8sf] @@,&)) lsQf ;fwf/0f z]o/ 13,097,379 2,270,000 13,097,379 13,234,100

44 k|e' a}+s lnld6]8sf] %),@&! lsQf ;+:yfks z]o/ 11,487,563 5,027,100 11,487,563 10,431,233




cg';"rL– @@

gub tyf a}+s df}Hbft


!gub df}Hbft 48,100,073 89,522,039

r]s df}Hbft 32,187,807 246,622,898

hDdf 80,287,880 336,144,937

@

a}+s df}Hbft

jfl0fHo a}+sx?sf] df}Hbft 108,155,976 250,139,789

ljsf; a}+sx?sf] df}Hbft - -

ljQLo ;+:yfx?sf] df}Hbft - -

cGo -x'nfs l6s6_ 118,329 54,033

hDdf 108,274,305 250,193,822

s"n 188,562,185 586,338,759

45 k|e' a}+s lnld6]8sf] %!,@#% lsQf ;fwf/0f z]o/ 19,120,225 5,123,500 19,120,225 21,262,525

46 lk|ldo/ OG:of]/]G;\ sDkgL lnld6]8sf] @^ lsQf ;fwf/0f z]o/ 35,051 2,600 35,051 57,330

47 k|fOd sdlz{on a}+s lnld6]8sf] (%,@&* lsQf ;fwf/0f z]o/ 65,142,217 9,527,800 65,142,217 71,077,388

48 /fli6«o aLdf sDkgL lnld6]8sf] $&) lsQf ;+:yfks z]o/ 6,318,207 47,000 6,318,207 7,334,820

49 l/8L xfO8«f]kfj/ sDkgL lnld6]8sf] !#( lsQf ;fwf/0f z]o/ 13,000 13,900 13,000 51,847

50 ;fgf ls;fg lasfz a}+s lnld6]8sf] @ lsQf ;fwf/0f z]o/ 3,681 200 3,681 4,998

51 ;flgdf a}+s lnld6]8sf] !(,*#^ lsQf ;fwf/0f z]o/ 11,990,509 1,983,600 11,990,509 14,877,000

52 lzv/ OG:of]/]G; sDkgL lnld6]8sf] !^$ lsQf ;fwf/0f z]o/ 304,268 16,400 304,268 532,836

53 l;4fy{ a}+s lnld6]8sf] @#,$$^ lsQf ;fwf/0f z]o/ 13,278,456 2,344,600 13,278,456 20,374,574

54 ;f]N6L xf]6n lnld6]8sf] @%,(%) lsQf ;fwf/0f z]o/ 8,093,134 259,500 8,093,134 9,731,250

55 :6\ofG88{ rf6{8{ a}+s g]kfn lnld6]8sf] &,)*! lsQf ;fwf/0f z]o/ 22,856,748 708,100 22,856,748 25,491,600

56 ;g/fOh a}+s lnld6]8sf] @,^@$ lsQf ;fwf/0f z]o/ 1,726,348 262,400 1,726,348 1,962,752

57 ljho n3'ljQ ljlQo ;+:yf lnld6]8sf] !,!@! lsQf ;fwf/0f z]o/ 1,283,817 112,100 1,283,817 1,961,750

58 j]:6g{ 8]enkd]G6 a}+s lnld6]8sf] #!( lsQf ;fwf/0f z]o/ 4,620 31,900 4,620 150,249 hDdf 1,098,100,331 280,335,490 1,098,100,331 1,451,352,997




cg';"rL– @$

cGo ;DklQ


1 nufgLaf6 k|fKt x'g afFsL cfo 367,121,213 248,801,966

2 aLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL Aofh 375,583,380 241,559,637

3 cGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL Aofh - -

4 cGo aLdsaf6 k|fKt x'g afFsL - -

5 k'gaL{dsaf6 k|fKt x'g afFsL 27,023,983 33,362,869

6 ljljw cf;fdL 68,892,115 94,882,848

7 clu|d e'QmfgL 502,677 782,228

8 sd{rf/L k]ZsL 8,297,912 5,738,924

9 cGo k]ZsL 104,286,027 206,559,518

10 w/f}6L 397,278 394,528

11c;'n x'g afFsL aLdfz'Ns - -

Go"gM c;'n x'g afFsL aLdfz'Ns d'NtjL -Suspense_ - -

12 cGo - -

12.1 :6s 2,400,903 3,215,835

12.2 clu|d s/ 825,580,010 600,426,527

12.3 :yug s/ ;DkQL 26,987,298 42,484,152

12.4 pkbfg jfkt lgIf]k -CIT_ 33,683,459 10,489,223

12.5 z]o/÷l8j]Gr/ lgj]bg 850,000 150,000,000

12.6 sd{rf/L w/ ;k6L 8,686,000 -

hDdf M 1,850,292,255 1,638,698,255

cg';"rL– @#

cGo shf{


-s_ bL3{sflng shf{

!= clestf{nfO{ shf{ 582,211,548 357,101,290

@= sd{rf/LnfO{ shf{ - -

#= cGo -ljj/0f v'nfpg]_ - -

hDdf 582,211,548 357,101,290

-v_ cNksflng shf{

!= clestf{nfO{ shf{ - -

@= sd{rf/LnfO{ shf{ 93,257,308 85,198,783

#= cGo -ljj/0f v'nfpg]_ - -

hDdf 93,257,308 85,198,783




cg';"rL– @^

c;dfKt hf]lvd Joj:yf


! DofbL aLdfsf] c;dfKt hf]lvd hu]8f 307,483,708 397,236,477

- -

hDdf 307,483,708 397,236,477

cg';"rL– @&ckn]vg÷;dfof]hg gul/Psf ljljw vr{x?


1 ckn]vg ug{ afFsL k|f/lDes vr{ - -

2 ckn]vg ug{ afFsL k"j{ ;+rfng vr{ - -

3 ckn]vg ug{ afFsL nufgL lk|ldod 8,952,087 12,177,982

4 ckn]vg ug{ afFsL :yug ul/Psf vr{ - -

5 cGo -ljj/0f v'nfpg]_ - -

hDdf 8,952,087 12,177,982

cg';"rL– @%

rfn' bfloTj


1 clestf{nfO{ lbg afFsL 380,824,618 340,867,789

2 cGo aLdsnfO{ lbg afFsL - -

3 k'gaL{dsnfO{ lbg afFsL 67,960,719 6,077,360

4 cNksflng shf{ - -

5 aLdfz'Ns w/f}6L 33,973,362 16,618,914

6 k"0f{ ljj/0f gv'n]sf] aLdfz'Ns 4,472,829 5,013,913

7 ljljw ;fx" 90,279,195 106,644,027

8 ;xfos÷xf]lN8Ë sDkgLnfO{ lbg afFsL - -

9 >f]tdf s§f ul/Psf] s/ ltg{ afFsL 100,475,913 67,254,881

10 d"No clej[l4 s/ ltg{ afFsL - -

11 ;]jf z'Ns ltg{ afFsL 102,562,146 80,932,932

12 sd{rf/LnfO{ lbg afFsL 1,589,456 5,716,451

13 ;+rfnsnfO{ lbg afFsL - -

14 cGo - -

14.1 l/6]G;g l8kf]lh6 18,675,762 17,702,895

14.2 z]o/ lga]bg lkmtf{ lbg afFsL 52,000 52,000

14.3 ljljw 6,502,890 5,103,611

hDdf 807,368,890 651,984,773


g]kf

n n

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OG:

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ld6]8

k|wfg s

fof{no

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fbL, sf7df08

f}+cfiff9 #!, @)&# -h

'nfO{ !%, @)!^_ s

f] cfly

{s ljj

/0f ;DaGwL cg';

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cg';

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cGo Aoj

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qm=;

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aif{sf] z'?df Aoj

:yf

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f=a=df yk

ul/Psf]

Aoj:yf

rfn' c

f=a=df ckn

]vg÷

e'Qmfg

L ul/Psf] Aoj:yf

rfn' c

f=a=df lkmtf{

ul/Psf] Aoj:yf

aif{sf] cGtdf s

fod

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jif{

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22,

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22,

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@cfos/ Aoj:yf

16,

156,

495

1

6,15

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3

5,468

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8

45,

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#nufgLdf g

f]S;fgLsf] nflu

Aoj

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68,8

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53,

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792

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$shf{df gf]S;

fgLsf] nflu

Aoj

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3,4

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cf;fdLsf] nflu

Aoj

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^cGo g

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g]kfn nfOkm OG:of]/]G; s+= ln=/lhi68{ sfof{no jL/u+h, k|wfg sfof{no x]l/6]h Knfhf !, sdnfbL, sf7df08f}+

cf=j=@)&@÷)&#

cg';"rL – @* ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx?

sDkgL P]g, @)^# / aLdf P]g, @)$( cGtu{t klAns lnld6]8 sDkgLsf] ?kdf ldlt @)%*÷)!÷@! df g]kfn nfOkm OG:of]/]G; sDkgLsf] :yfkgf ePsf] xf] . g]kfnLDffqsf] nufgLdf lghL If]qdf :yflkt o; sDkgL hLjg aLdf Joj;fodfq sf/f]jf/ ug]{ u/L jLdf ;ldltaf6 ldlt @)%*.)!.)$ df :jLs[lt k|fKt u/L ;+rfngdf /x]sf] g]kfnsf] klxnf] aLdf sDkgL xf] . o; sDkgLsf] s"n r'Qmf k"FhLdf ;+:yfks ;b:o tkm{ *)Ü / afFsL @)Ü ;j{;fwf/0f g]kfnLnfO{ laqmL ul/Psf] 5 . xfn o;sf (,)&! ;fwf/0f z]o/wgL ;b:ox? /x]sf 5g\ . o; sDkgLsf] k'gaL{df ;DaGwL ;Demf}tf ljZjsf] VoftL k|fKt k'gaL{df sDkgL xgf]e/ ?S;] hd{gL, dn]l;og zfvf ;+u ePsf] 5 .

!= ljQLo ljj/0f tof/Lsf cfwf/x? M sDkgLsf] n]vf P]ltxfl;s d"No cjwf/0ff cg'?k n]vfsf ;j{dfGo l;4fGt, nfu" x'g]xb;Dd g]kfn n]vfdfg tyf aLdf P]g @)$(, aLdf lgodfjnL @)$( / aLdf ;ldltn]

ldlt @)^&÷)%÷@% df hf/L u/]sf] ljQLo lgb]{lzsf cg';f/ tof/ kfl/Psf 5g\ .

pk/f]Qmfg';f/ aLdf ;ldltn] hf/L u/]sf] ljQLo lgb]{lzsf cg';f/ cfly{s ljj/0fx? tof/ ubf{ g]kfn n]vfdfg kfngf gePsf n]vf+sgx? ;DalGwt zLif{sdf v'nf;f ul/Psf] 5 .

@= l:y/ ;DklQ n]vf°g gLlt M l:y/ ;DklQnfO{ nfut d"Nodf n]vf°g ug]{ gLlt cjnDag ul/Psf] 5 .

#= Xf; s§L gLlt M l:y/ ;DklQsf] x|f;s§L cfos/ P]g, @)%* n] Aoj:yf u/] jdf]lhd ul/b} cfPsf]df ut cf=j= b]lv NAS-6 n] Aoj:yf u/] jdf]lhd ;DklQx?sf] pkof]lutfsf] (useful

life) cfwf/df Joj:yfkgn] cfo'lgw{f/0f u/L x|f;s§L u0fgf ug{] gLlt lnPsf] 5 . x|f;s§L u0fgf ug{ useful life lgDgfg';f/ lnOPsf] 5 .

qm=;+= ;DklQ ;d'x ;do cjwL

! sDKo'6/ pks/0f $ jif{]

@ sfof{no pks/0f $ jif{]

# ;jf/L ;fwg -c6f]df]jfON;_ & jif{]

$ kmlg{r/ tyf lkmSr;{ -nfO{6_ $ jif{]

% kmlg{r/ tyf lkmSr;{ -x]eL_ !% jif{]

^ ;km\6j]o/ ;DjGwL vr{ % jif{]

& d]lzg]/L pks/0f -nfO{6_ * jif{]

* d]lzg]/L pks/0f -x]eL_ !% jif{]

( lnHxf]N8 % jif{]

!) ejg %) jif{]

$= k"“hLs[t gul/g] ;DklQx? ;DaGwL n]vf°g gLlt M d"No ? !),))) eGbf sd k/]sf l:y/ k|j[lQmsf ;DklQx?nfO{ k"FhLs[t gul/g] gLlt lnOPsf] 5 .

%= cfos/ Joj:yf tyf af“8kmF“8 gLlt M rfn'aif{ cfos/ cfos/ P]g @)%* cg';f/ rfn'aif{sf] cfos/ u0fgf ul/Psf] 5 /aLdf P]g @)$(, aLdf lgodfjnL @)$( / aLdf ;ldltn] hf/L u/]sf] ljQLo lgb]{lzsfsf] cfwf/df gfkmf

gf]S;fg lx;fj / cfo Joo lx;fax?df afF8kmfF8 ug]{ gLlt lnOPsf] 5 .

:yugs/ ;DklQ / bfloTjsf] s/ cfwf/ tyf ;f]sf] ljQLo ljj/0fdf pNn]lvt /sd aLrsf] c:yfoL km/sdf g]kfn n]vfdfg ( cg';f/ :yug s/sf] Joj:yf ul/Psf] 5 .

jf;nftsf] ldltdf k|rlnt / ;DalGwt :yug s/ ;DklQ c;'n pk/ ubf{ jf :yug s/ jfktsf] bfloTj km/ kmf/s ubf{ nfu" x'g] s/sf] b/ / sfg"g cg';f/ :yug s/sf] /sd lgwf{/0f ul/Psf] 5 .


^= nufgL n]vf°g gLlt M -s_ ;/sf/L÷klAns lnld6]8 sDkgLsf] artkq÷C0fkqdf nufgL n]vf°g gLlt M

-c_ g]kfn ;/sf/sf] artkq jf C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0fkqdf jf klAns lnld6]8 sDkgLsf] jrtkq÷C0fkqdf ul/Psf] nufgLnfO{ cl°t d"No (Face Value) jf k/n d"No dWo] h'g 36L 5 ;f]xL d"Nodf n]vf+sg ul/g] gLlt lnOPsf] 5 .

-cf_ v08 -c_ adf]lhd ul/Psf] nufgLsf] cl°t d"No eGbf k/n d"No a9L ePdf To:tf] a9L /sdnfO{ :yug ul/Psf] vr{ (Deferred Expenditure) sf] ?kdf n]vf°g u/L ;f] vr{nfO{ To:tf] nufgLsf] cjlw leq ;dfg'kflts cfwf/df (Pro-rata Basis) df ckn]vg ul/g] gLlt lnOPsf] 5 .

-O_ v08 -c_ jdf]lhd ul/Psf] nufgLsf] cl°t d"No eGbf k/n d"No sd ePdf To:tf] km/s /sdnfO{ nufgL cjlw leq ;dfg'kflts cfwf/df nufgLaf6 cfosf] ?kdf n]vf°g ul/g] gLlt lnOPsf] 5 . jLdf ;ldltaf6 hf/L ul/Psf] lgb]{zg adf]lhd nufgL n]vf+sg ubf{ g]kfn n]vfdfg &cg';f/ ePsf] 5}g .

-O{_ v08 -c_ adf]lhdsf art kq jf C0fkqsf] n]vf°g ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s /sd a/fa/ gf]S;fgL Joj:yf (Provision)

ul/g] gLlt lnOPsf] 5 .

-v_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgL n]vf°g gLlt M a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]k jf gful/s nufgL sf]ifsf] nufgL of]hgfx?df ul/Psf] nufgLnfO{ ;fFjf /sddf n]vf+sg ug]{ gLlt lnOPsf] 5 . t/ To:tf] nufgLsf]

Dofb ;dfKtL kl5 s'g} sf/0fjz tTsfn lkmtf{ x'g g;Sg] cj:yf >[hgf ePsf] v08df To:tf] nufgL /sdsf] a/fa/ gf]S;fgL Joj:yf ul/g] gLlt lnOPsf] 5 .

-u_ klAns lnld6]8 sDkgLsf] z]o/df nufgL n]vf°g gLlt M c_ klAns lnld6]8 sDkgLsf] ;fwf/0f z]o/df nufgL klAns lnld6]8 sDkgLsf] ;"lrs[t z]o/df ul/Psf] nufgLnfO{ k/n d"Nodf n]vf+sg ul/Psf] 5 t/ z]o/df ul/Psf] nufgLsf] n]vf°g ul/Psf] d"NoeGbf ahf/

d"No sd x'g uPdf To:tf] km/s /sd a/fa/ gf]S;fgL Joj:yf (Provision) ul/g]gLlt lnOPsf] 5 . nufgL ul/Psf] z]o/ k|rlnt sfg"g adf]lhd lwtf]kq ahf/sf] ;"rLaf6 x6]df -Delisted ePdf_ ;f] nufgL a/fa/sf] gf]S;fgL Joj:yf ul/g]gLlt lnOPsf] 5 .

cf_ klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL ul/Psf] z]o/ nufgLnfO{ k/n d"Nodf b]vfpg] gLlt lnOPsf] 5. t/, nufgL ul/Psf] klAns lnld6]8

sDkgLsf] ;+:yfks z]o/ ;f] klAns lnld6]8 sDkgLn] sf/f]af/ ug]{ Ohfhtkq kfPsf] ldltn] tLg jif{;Dd klg k|rlnt sfg"g adf]lhd lwtf]kq ahf/df ;"lrs[t gePdf ;f] nufgL a/fa/sf] nufgLdf ztk|ltzt gf]S;fgL Joj:yf ul/g] gLlt lnOPsf] 5 .

&= ;6xL 36a9 ;dfof]hg gLlt M ljb]zL d'b|fdf ul/Psf] sf/f]jf/nfO{ g]kfn n]vfdfg !! cg';f/ sf/f]jf/ ePsf] ldltdf sfod ljlgdo b/ cg'?k g]kfnL d'b|fdf ?kfGt/0f ul/g] gLlt lnOPsf] 5

.sDkgLsf] s'g} klg ;DklQ tyf bfloTj ljb]zL d'b|fdf /x]sf] 5}g.

*= aLdfz'Ns cfDbfgL n]vf°g gLlt M sDkgLn] gub k|fKtLsf] cfwf/df aLdfz'Ns cfDbfgL n]vf°g ug]{ gLlt cjnDag u/]sf] 5 . t/, gub k|flKt ldlt eGbf aLdf z'Ns e'QmfgL ldlt kl5 ePdf clu|d

e"QmfgL hgfO{ ;DalGwt aif{df cfDbfgL n]vfªsg ug]{ gLlt cjnDag ul/Psf] 5 . olb aLdfz'Ns Psjif{ eGbf a9L cjlwsf] nflu Psd'i7 k|fKt ePdf klxnf] jif{sf] nflu x'g cfpg] aLdfz'Ns cfDbfgL afFwL afFsL /x]sf] /sd w/f}6Lsf] ?kdf /fVg]

gLlt lnOPsf] 5 . t/, Psn aLdfz'Ns tf]lsPsf] aLdfsf] xsdf of] Joj:yf nfu" x'g] 5}g . dfyL pNn]v u/] adf]hLd w/f}6Lsf] ?kdf /flvPsf] /sdaf6 kl5Nnf jif{x?df aLdf cjlwsf] ;dfg'kflts ?kdf aLdfz'Ns cfDbfgL afFlwg] gLlt lnOPsf] 5 .

(= k"gaL{df sldzg cfDbfgL n]vf°g gLlt M k'gaL{dsaf6 k|fKt sldzgnfO{ k|f]befjL cfwf/df [accrual basis] df n]vf°g ug]{ gLlt cjnDag ul/Psf] 5 . t/ d'gfkmf sldzg -Profit Commission_ sf] xsdf

pQm sldzgnfO{ gub k|flKtsf] cfwf/df cfDbfgL jfFlwg] gLlt lnOPsf] 5, ;f] ;DaGwdf k'gaL{dsaf6 lnlvt ;dy{g k|fKt ePsf] cj:yfnfO{ gub k|flKt ;/x dfGg] ul/Psf] 5 .

!)= cGo cfo n]vf°g tyf af“8kmF“8 gLlt M sDkgLn] aLdfz'Ns tyf cGo k|ToIf cfDbfgL afx]ssf cfDbfgL ;DaGwdf b]xfo adf]lhd ug{] gLlt lnOPsf] 5 M

-s_ sDkgLsf] nufgLaf6 k|fKt cfDbfgL, sDkgLsf] ;DklQ ef8fdf lbP afkt k|fKt cfDbfgL, cGo shf{ -aLdfn]vsf] lwtf]df lbPsf] shf{ afx]s_ af6 k|fKt Aofh nufot aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zgsf] kl/lzi6 @ sf] cg';"rL @ adf]lhdsf cfDbfgLx?nfO{ afF8kmFf8 ug'{kg]{ s"n cfDbfgLsf] ?kdf lng]] gLlt lnOPsf] 5 .

-v_ v08 -s_ adf]lhdsf] s"n cfDbfgLnfO{ b]xfosf] ;"q k|of]u u/L k|To]s aLdfsf] cfo Joo lx;fa tyf gfkmf gf]S;fg lx;fadf afF8kmFf8 ug{] gLlt lnOPsf] 5 .cfDbfgL = ef/ x s"n cfDbfgL

s"n ef/

!!= shf{ n]vf°g gLlt M !!=! k|rlnt sfg"gL Joj:yf adf]lhd sDkgLn] shf{ k|bfg ubf{ To:tf] shf{ c;'nL x'g] kof{Kt cfwf/ v8f u/L shf{nfO{ ;fF+jf /sddf b]vfOg] gLlt lnOPsf] 5 .!!=@ lgb]{zg !!=! adf]lhd k|bfg ul/Psf] shf{ lgis[o ePdf ;f] shf{ a/fa/ /sd Joj:yf ul/g] gLlt lnOPsf] 5. t/ sDkgLn] aLdfn]vsf] lwtf]df k|bfg u/]sf]

shf{sf] xsdf of] Joj:yf nfu" ul/g] gLlt lnOPsf] 5}g . nuftf/ tLg dlxgf jf ;f] eGbf a9L cjlwsf] efsf gf3]sf] shf{nfO{ lg:s[o shf{df alu{s/0f ug]{ gLlt lnOPsf] 5 .

!!=# sDkgLn] aLdfn]vsf] lwtf]df k|bfg u/]sf] shf{sf] xsdf aLdfn]vsf] zt{ adf]lhd To:tf] shf{;+u ;DalGwt aLdfn]v hkmt x'g' kg]{ ;dofjlw Plsg u/L hkmt x'g' kg]{ aLdfn]vsf] lwtf]df k|bfg ul/Psf] shf{nfO{ shf{ zLif{saf6 x6fO ;dfof]hg ul/g] gLlt lnOPsf] 5 .


!!=$ lgb]{zg !!=# adf]lhd slDtdf k|To]s cfly{s jif{sf] cGTodf hkmt x'g] aLdfn]v Plsg ul/g] gLlt lnOPsf] 5.!!=% ;Dk"0f{ sd{rf/L shf{nfO{ cNksflng shf{df jlu{s/0f ug{] gLlt lnPsf] 5 . !!=^ clestf{ shf{nfO{ lb3{sflng shf{df jlu{s/0f ug{] gLlt lnPsf] 5 .

!@= Joj:yfkg vr{ af“8kmF“8 gLlt M sDkgLn] Joj:yfkg vr{nfO{ aLdf ;ldltaf6 hf/L ePsf] lalQo ljj/0f ;DaGwdf lgb]{zg eP adf]lhd hDdf Aoj:yfkg vr{sf] bz k|ltzt / gAa] k|ltzt /sdnfO{

qmdz gfkmf gf]S;fg lx;fa / cfo Aoo lx;fadf afF8kmfF8 ug]{ gLlt lnOPsf] 5 .

!#= aLdf bfjL e'QmfgL vr{ n]vf°g gLlt M sDkgLn] bfjLsf] nfut u0fgf ubf{ jLdfn]v adf]lhdsf] e'QmfgL ug'{kg]{ /sd tyf ;f] bfjL km5of}{6sf nflu sDkgLsf kbflwsf/L tyf sd{rf/Lx?n] u/]sf sfd;+u

;DalGwt vr{ afx]s cfjZos k/fd;{ tyf cg';Gwfg vr{ ;d]t ;dfa]z ul/ vr{ n]vfªsg ug]{ gLlt canDag ul/Psf] 5 .

!$= aLdf bfjL afkt bfloTj Joj:yf n]vf°g gLlt M -s_ >[hgf ePsf] t/ hfgsf/Ldf gcfPsf] (IBNR) aLdf bfjL jfkt bfloTjsf] nfuL aLdf°Ln] bfloTj lgwf{/0f u/L k|fKt ePsf] aLdf°Lo d"Nof°g k|ltj]bgsf cfwf/df

Joj:yf ug]{ gLlt cjnDjg ul/Psf] 5 .-v_ jLdf bfjL jfktsf] km5of}{6 x'g afFls d[To' bfjL, cjlw ;dflKt bfjL, cf+lzs cjlw ;dflKt bfjL tyf ;dk{0f d'No bfjL jfkt jLdf lgodfjnL @)$( bkmf

!%-3_ sf] k|fjwfg cGtu{t s'n bfjL /sdsf] !!% k|ltzt /sd Aoj:yf ug]{ gLlt cjnDag ul/Psf] 5 .

!%= aLdf Joj;fodf art afF8kmFf8 gLlt M sDkgLsf] aLdf Aoa;foaf6 k|fKt artnfO{ jLdf°Lo d'Nofs+g gePsf] cj:yfdf aLdfsf]ifdf /sd :yfGt/0f ug]{ / gf]S;fg eP ;f] gf]S;fg /sdnfO{ gfkmf gf]S;fg

lx;fadf ;fg]{ / aLdf°Lo d'Nofs+g kZrft gfkmf /sdnfO{ aLdf ;ldltsf] l:js[tLdf gfkmf gf]S;fg lx;fadf ;dfof]hg ul/g] gLlt cjnDag ul/Psf] 5 .

!^= sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf jfkt Joj:yf gLlt M sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf jfkt e'QmfgL ug'{kg]{ cjsfz e"QmfgL bfloTj sd{rf/L lgodfjnLdf pNn]v u/] jdf]lhd k|f]befjL cfwf/df Joj:yf ug]{ gLlt

cjnDag ul/Psf] 5 h'g g]kfn n]vfdfg !$ cg';f/ ePsf] 5}g . ;fy} sd{rf/L ;]jf zt{ / ;"ljwf ;DaGwL ljlgod cg";f/ sDkgLdf :yfoL lgo"QmL ePsf] ldlt b]vL # jif{ jf ;f] eGbf a9L k"0f{sfnLg ;]jf cjlw k"/f u/]sf sd{rf/LnfO{ dfq pkbfgsf nfuL Joj:yf ug]{ gLlt cjnDjg ul/Psf] 5 .

!& z+sf:kb cf;fdL Joj:yf gLlt M ;dofjlwsf] cfwf/df c;'n gx'g] b]lvPsf cf;fdLx?nfO{ ;+rfns ;ldltsf] :jLs[ltdf cfjZos gf]S;fgL Joj:yf ug]{ gLlt cjnDag ul/Psf] 5 .

!*= ckn]vg vr{ n]vf°g gLlt M ;/sf/L C0fkqsf] vl/bdf e'QmfgL ul/Psf] lk|ldod /sdnfO{ ;f] C0fkqsf] e'Qmfg cjlw leq ckn]vg ul/g] gLlt lnOPsf] 5 .

!(= k|lt z]o/ cfDbfgL -g]kfn n]vfdfg @^_M cfwf/e"t k|lt z]o/ cfDbfgL lgsfNbf s'g} tf]lsPsf] cjlwdf z]o/wgLx?nfO{ k|fKt x'g] s'n gfkmf jf gf]S;fgnfO{ ;f] cjlwdf laBdfg s'n cf};t z]o/ ;+Vofn] efu

ul/Psf] x'G5 .

@)= t'ngfTds hfgsf/LM n]vf gLlt jf cfwf/e"t uNtLsf] sf/0faf6 kl/jt{g ePsf] zLif{sdf ;fk]lIfs hfgsf/L k'gM jlu{s/0f ul/ pNn]v ul/Psf] 5 .

@!= Joj;fo v08sf] ljj/0f -g]kfn n]vfdfg @#_ M sDkgLn] k|of]hgdf NofPsf] ljleGg lsl;dsf] ;]jf / zt{ ;lxtsf] jLdf of]hgfnfO{ ljleGg pko'Qm Joj;fo v08df (Business Segment) /fvL ;f]xL cg';f/

cnu–cnu cfo Joo lx;fj tof/ ul/Psf] 5 .


g]kfn nfOkm OG:of]/]G; s+= ln=/lhi68{sfof{no jL/u+h, k|wfg sfof{no x]l/6]h Knfhf !, sdnfbL, sf7df08f}+

cf=j=@)&@÷)&#

cg';"rL–@( ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx?

!= ;Defljt bfloTjx? Mc_ sDkgLsf] s'g} r'Qmf jf e'QmfgL x'g afFsL /sd 5}g .cf_ sDkgLn] s'g} k|Tofe"lt k|lta4tf u/]sf] 5}g .O_ sDkgLdf aLdfn]v cGtu{t eGbf afx]saf6 cGo s'g} bflj k/]sf] 5}g .O{_ sDkgLn] s'g} klg Uof/]06L lbPsf] 5}g .p_ o; jif{ sDkgLsf] cGo s'g} bfloTj 5}g .

@= sDkgLsf] ;ldIff cf= a= @)&@÷&# sf] bfloTj d"Nof°g u/] kZrfQ ?=%&,*(,#(,$)#÷– gfkmf gf]S;fg lx;fadf ;fl/Psf] 5 .

#= aLdssf] ;DklQdf cfPsf] ;Lldttf tyf ljjfbx? M sDkgLsf] ;DklQdf s'g} ;Lldttf tyf ljjfbx? cfPsf 5}gg\ .

$= shf{, nufgL tyf l:y/ ;DklQsf] nflu ul/Psf] k|lta2tf M shf{ tyf nufgLdf s'g} klg k|lta4tf ul/Psf] 5}g .

%= nufgL;+u ;DalGwt b]xfosf v/Lb laqmL ;Demf}tfx?sf] d'No M c_ v/Lb ul/Psf] ;DklQsf] :jfldTj k|fKt x'g afFsL 5}g .cf_ laqmL ul/Psf] ;DklQsf] e'QmfgL k|fKt x'g afFsL 5}g .

^= sDkgLsf] o; jif{sf] nufgL tyf laqmL÷lkmtf{ lnPsf] nufgLsf] ljj/0f lgDg cg';f/ 5 . -s_ o; jif{ ul/Psf] nufgLsf] ljj/0f M

qm=;+= ljj/0f o; aif{ /sd -?_ ut aif{ /sd -?_

! ;/sf/L C0fkq / af]G8 67,60,00,000/- 2,01,43,73,000/-

@ afl0fHo a}+sx? 24,70,50,00,000/- 15,99,25,00,000/-

# ljsfz a}+sx? 42,00,00,000/- -

$ kmfOgfG; sDkgLx? - -

% ljleGg a}+sx?sf] C0fkq 1,22,48,09,000/- 1,02,41,89,000/-

^ ljleGg sDkgLx?sf] z]o/ 1,09,81,00,333/- 1,23,79,39,409/-

& Do'rn km08 10,15,11,106/- 6,38,41,285/-

* cGo lgIf]kx? 1,22,74,39,259/- 1,63,77,93,507/-

s'n 29,45,28,59,698/- 21,97,06,36,201/-

-v_ o; jif{ laqmL u/]sf] nufgL]sf] ljj/0f M

qm=;+= ljj/0f /sd -?_

! klAns lnld6]8 sDkgLx?sf] z]o/ 2,09,93,09,827/-

&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/f M sDkgLsf] ljQLo ljj/0fdf pNn]v u/] adf]lhdsf]a}+s tyf ljQLo ;+:yfx?df /x]sf] a}+s df}Hbftsf] sDkgLsf] lx;fj;+u ldnfg (Reconcile) ul/Psf] / ;DalGwt

a}+saf6 ;dy{g lnOPsf] 5 .


*= aLds÷k"gaL{ds;+u lng' lbg' af+sL lx;fa ;DaGwdf ;DalGwt aLds÷k"gaL{dssf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/f M

k'gaL{dsnfO{ @)&# ciff9 d;fGt;Dd k'gaL{df z'Ns afkt lbg afsL ?=^,&(,^),&!( /x]sf] 5 / k'gaL{ds;+u bflj jfkt lng' kg{] /sd ?= @,&),@#,(*# /x]sf] 5 . ;f]sf] ;dy{g ;DalGwt k'g{aLdsaf6 lnOPsf] 5 .

(= aLdsn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x] g/x]sf] M sDkgLn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 lgb]{zg u/] adf]lhd sDkgLsf] nufgL ;ldltaf6 :jLs[t Joj:yf cg'?k /x]sf] 5 .

!)= aLdssf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u sf/f]af/ M sDkgLsf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u s'g} sf/f]af/ ePsf] 5}g\ .

!!= sDkgLn] o; jif{ s'g} klg C0f lnPsf] 5}g .

!@= aLdsn] s/ r'Qmf k|df0fkq k|fKt u/]sf] cf=j= tyf To:tf] r'Qmf k|df0fkq k|fKt x'g af+sL cf=j= / ;f] ;DaGwL ljj/0fsf ;fy]} cl3Nnf] cf=j=x?sf] s/ hl/jfgf Aofh afkt bfjL k/]sf] / o; cf=j=df e'QmfgL ePsf] /sdM

sDkgLn] cfkm\gf] :yfkgf sfn b]lvg} cfos/ P]g @)%* adf]hLd cfGtl/s /fh:j sfo{nonfO{ s/sf] n]vf k/LIf0f cg';f/ s/ e'QmfgL ub}{{ cfPsf] 5 . cfGtl/s /fh:j sfof{noaf6 sDkgLsf] cf=j= @)^&÷)^* ;Ddsf] s/ n]vf kl/If0f e};s]sf]df cf=a= @)%&.%*, @)^@.^#, @)^#.^$, @)^$.^%, @)^^.^& / cf=j= @)^&÷)^* u/L hDdf ̂ aif{sf] s/ lgwf{/0fdf yk s/ bfloTj ?=$,@&,#!,^@$.&$ lgwf{/0f ePsf]df lrQ ga'lem ;f];DaGwdf k'g/fj]bg ul/Psf] 5 . cfGtl/s /fh:j sfof{non] sDkgLsf] cf=j= @)^*÷)^( df ?= !(,)@,!%$.– yk s/ lgwf{/0f u/]sf] 5 .

!#= lkmtf{ u/]sf] aLdfz'Nssf] kl/df0f / sf/0f M sDkgLdf o; cf=j @)&@÷&# df s'g} klg aLdfz'Ns /sd lkmtf{ ul/Psf] 5}g .

!$= aLdsn] aLldtnfO{ k|bfg ug]{ 3f]lift tyf cGtl/d af]g;sf] b/M sDkgLsf] cf=j=@)&@÷)&# ;Dd ePsf] aLdfl°o d'Nofs+g cg';f/ aLldtnfO{ k|bfg ug]{ 3f]lift af]g; b/ tn pNn]v ul/P cg';f/ 5g\ .

aLdfn]vsf] lsl;d aLdf cjwL -aif{_ Aff]g; -k|lt aif{ k|lt xhf/_

;fjlws hLjg aLdf%—!% ^%

!^—@) ^%

@!—@% &@

@% eGbf dfyL *@

clu|d e'QmfgL -hLjg ;Da[l4 aLdf of]hgf afx]s_

!) ^%

!% ^%

@) ^%

hLjg ;Da[l4 aLdf of]hgf !% ^@

hLjg ;Da[l4 aLdf of]hgf @) ^$

!%= l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns÷Aofhsf] b/ tyf aLdfn]vsf] lwtf]df k|bfg ul/g] shf{df Aofhsf] b/ M l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns÷Aofhsf] b/ tyf aLdfn]vsf] lwtf]df k|bfg ul/g] shf{df Aofhsf] b/ !) k|ltzt /x]sf] 5 .

!^= ckn]vg x'g af+sL vr{sf] ljj/0f M sDkgLn] ;/sf/L C0fkqsf] vl/bdf lk|ldod jfkt e'QmfgL u/]sf] /sd dWo] ?= #@,@%,*(%÷– ckn]vg ul/Psf] 5 . ;f] /sdnfO{ cg';'rL @ df nufgLdf gf]S;fg lz{ifs cGtu{t b]vfOsf] 5 .

ljj/0f o; aif{ /sd -?_ ut aif{ /sd -?_

z"? df}Hbft !,!(,)@,(^@÷– !,(%,@*,*&%÷–

ckn]vg vr{ #@,@%,*(%÷– &^,@%,(!#÷–

clGtd df}Hbft *%,@$,)^&÷– !,!(,)@,(^@÷–

!&= r'Qmf k"+hL dWo] clu|d e'QmfgL k|fKt (Paid in Advance), e'QmfgL k|fKt x'g af+sL (Call in Arrears) / hkmt ul/Psf t/ k'g M sDkgLn] hf/L u/]sf] z]o/ jfkt s'g} e'QmfgL k|fKt x'g jf z]o/ hf/L ug{ afFsL 5}g .


!*= of] aif{ lnh xf]N8 ;DklQdf ckn]vg /sd Xf;vr{ cGtu{t n]vf+sg ul/Psf] 5 . lnh xf]N8 ;DklQdf ut jif{;Dd ?=@*,$@,($@÷– / o; jif{ vr{ (Amortization) ?= !&,&$,^%*÷– n]vf°g ul/Psf] 5 .

!( jif{el/df ePsf] jf;nft aflx/sf] sf/f]af/sf] ljj/0fM sDkgLsf] jf;nft aflx/ s'g} sf/f]af/ ePsf] 5}g .

@)= cl3Nnf aif{x?;+u ;DalGwt cfDbfgL tyf vr{x? M 5}g .

@!= sDkgLsf] ljleGg a}+s vftfx?df jLdfn]v ;+Vof jf jLdLtsf] gfd hfgsf/Ldf cfpg g;s]sf ljleGg jLldtx?af6 hDdf ePsf]] /sd ?= $$,&@,*@(÷– (Unidentified Deposit)nfO{ n]vf lzif{sdf ;dfof]hg ul/Psf] 5 .

@@ aLdfz'Ns jfkt k|fKt r]s df}Hbft jfktsf] /sd ?= #,@!,*&,*)&÷–;Dk"0f{ @)&#÷)$÷)! sf lbg ;DalGwt a}+s vftfx?df hDdf e};s]sf] 5 .

@# cfly{s aif{ @)&@÷&# df sd{rf/Lsf] nflu jf]g; P]g cg';f/ ?= (,@$,!^,!@*÷– af]g;sf] Joj:yf ul/Psf] 5 .

@$ sDkgLsf sd{rf/Lx?sf] xfn;Dd ljbf jfkt ?= @,@(,%#,!)^÷– / pkbfg jfkt ?= #,(^,!^,#)*÷– Aoa:yf ul/Psf] 5 .

@%. sd{rf/LnfO{ cfjf; ;'lawf jfkt cfjf; shf{ lbg] ul/Psf] 5 . pQm shf{ a/fa/sf] /sd sd{rf/Lsf] gfddf hLjg jLdf u/fO{ sd{rf/Lsf] tnaaf6 s§f ug{] ul/Psf] 5 . ;fy} ;f] /sdnfO{ cGo ;DklQ lzif{sdf n]vf°g ul/Psf] 5 .

@^ :yugs/ g]kfn n]vfdfg )( cg';f/ @% k|ltztsf] b/n] c:yfoL km/sdf :yug s/sf] lx;fj ul/Psf] 5 . :yugs/ ;DklQ / bfloTj zLif{s cGtu{tsf ljifo / ltgsf] lx;fj lgDgfg';f/ 5M

@)&# cfiff9 #! ut] ;Dd -s_ M

ljj/0f n]vf cfwf/ s/ cfwf/ km/s /sd

Xf; s§L cfwf/ 23,65,81,091 22,01,98,350 (1,63,82,741)

z]o/dfnufgL 1,07,36,46,674 1,09,81,00,333 2,44,53,659

nufgL gf]S;fgL jfkt Joj:yf 34,07,604 - 34,07,604

g]kfn ;/sf/sf] artkq jf C0fkqdf nufgL 27,00,03,087 29,94,36,721 2,94,33,634

ljbf afkt Joj:yf 2,29,53,106 - 2,29,53,106

pkbfg Joj:yf 3,96,16,308 - 3,96,16,308

z+sfZkb cf;fdLsf] nflu Aoj:yf 44,67,623 - 44,67,623

hDdf 1,65,06,75,493 1,61,77,35,404 10,79,49,193

:yugs/ ;DkQL @% k|ltzt 2,69,87,298


@)&@ cfiff9 #! ut] ;Dd -v_ M

ljj/0f n]vf cfwf/ s/ cfwf/ km/s /sd

Xf; s§L cfwf/ 24,91,30,565 23,66,59,240 (1,24,71,325)

z]o/dfnufgL 1,17,53,03,786 1,23,79,39,409 6,26,35,623

nufgL gf]S;fgL jfkt Joj:yf 96,40,037 - 96,40,037

g]kfn ;/sf/sf] artkq jf C0fkqdf nufgL 1,08,63,52,963 1,13,80,58,474 5,17,05,511

ljbf afkt Joj:yf 2,09,33,773 - 2,09,33,773

pkbfg Joj:yf 3,36,83,459 - 3,36,83,459

clestf{ shf{ Joj:yf 38,09,531 - 38,09,531

hDdf 2,57,88,54,114 2,61,26,57,123 16,99,36,609

:yugs/ ;DkQL @% k|ltzt 4,24,84,152

ut aif{sf] t'ngfdf :yugs/ ;DkQLdf sdL -s_ - -v_ = (1,54,96,854/-) #! cfiff9 @)&@ ;Ddsf] :yug s/ ;DklQ gfkmf gf]S;fg lx;fadf jLdf ;ldltsf] ljQLo lgb{]lzsf cg';f/ vr{ 36fO{ b]vfOPsf] 5 .

@&_ sDkgLsf] NLIC Building ;Fu ;DalGwt cfDbfgL tyf vr{ lgDg adf]hLd 5g\ .

ljj/0f o; aif{ /sd -?_ ut aif{ /sd -?_

NLIC Building jfkt s'n 3/ ef8f tyf cGo cfDbfgL 6,63,57,375 6,30,89,090

NLIC Building jfktnfu]sf] s'n vr{ (4,56,46,131) (4,04,93,990)

x|f;s§L cl3sf] v'b cfDbfgL 2,07,11,244 2,25,95,100

Less: NLIC Building sf] x|f; s§L ul/Psf] vr{ (38,91,391) (38,91,391)

x|f;s§L k5Lsf] NLIC Building sf] v'b cfDbfgL÷ (gf]S;fgL) 1,68,19,853 1,87,03,709

@*_ aLdf+ssf] Sum at Risk sf] u0fgf sDkgLsf] aLdf°L lko'z cfO{ dHd'bf/n] pknAw u/fPsf] ljj/0f cg';f/ ul/Psf] 5.

@(_ sDkgLn] ;ldIff cf=j=df dxfljkQL hu]8f sf]ifdf ?= (,)^,^#,$@%÷– hu]8f ;[hgf u/L s'n ?= @@,$(,%%,@&$÷– hu]8f sfod u/]sf] 5 .

#)_ sDkgLsf] cf=j=@)&@÷&# df ?=(#,^&,$),#&^÷– Joj:yfkg vr{df ePsf] 5 . sDkgLn] Joj:yfkg vr{nfO{ aLdf ;ldltaf6 hf/L ePsf] ljlQo ljj/0f ;DaGwdf lgb]{zg eP adf]lhd hDdf Aoj:yfkg vr{sf] bz k|ltzt / gAa] k|ltzt /sdnfO{ qmdz gfkmf gf]S;fg lx;fa / cfo Aoo lx;fadf afF8kmfF8 u/]sf] 5 .




cg';"rL– #)

kl5Nnf kfFr jif{sf] k|d'v ;"rf°x?qm=;+= ljj/0f ;"rf°s 072/73 071/72 070/71 069/70 068/69

! g]6 jy{ ?= 3,233,056,215 2,359,015,947 1,854,275,948 1,326,864,061 734,740,609

@ z]o/ ;+Vof ;+Vof 21,675,000 17,340,000 10,837,500 6,375,000 3,750,000

# k|lt z]o/ lstfaL d"No ?= 149.16 136.04 171.10 208.14 195.93

$ v"b gfkmf ?= 906,634,254 527,555,789 614,111,885 774,607,048 625,705,917

% k|lt z]o/ cfo (EPS) ?= 41.83 30.42 56.67 121.51 166.85

^ k|lt z]o/ nfef+z (DPS) ?= 30.08 26.32 68.00 98.50 126.32

& k|lt z]o/ ahf/ d"No (MPPS) ?= 4,006 2,886 4,351 1,425 785

* d"No cfDbfgL cg'kft (PE Ratio) cg'kft 95.77 94.87 76.78 11.73 4.70

( k|yd jif{sf] aLdfz'Ns ?= 3,841,815,623 3,893,860,214 2,712,413,724 1,484,893,576 1,233,878,034

!) s'n aLdfz'Ns ?= 10,256,214,664 8,093,293,221 5,675,486,493 3,900,000,377 3,201,160,522

!! v"b aLdfz'Ns÷s'n aLdfz'Ns k|ltzt 98.82 98.52 97.93 96.89 96.23

!@ v"b gfkmf÷s'n aLdfz'Ns k|ltzt 8.84 6.52 10.82 19.86 5.71

!# s'n aLdfz'Ns÷s'n ;DklQ k|ltzt 28.25 29.88 28.35 26.22 25.95

!$nufgL / shf{af6 cfo÷s'n nufgL / shf{

k|ltzt 7.22 6.98 8.99 8.92 9.08

!% s'n nufgL / shf{÷hLjg aLdfsf]if k|ltzt 108.08 105.30 107.53 107.61 114.76

!^k'gaL{df sldzg cfo÷s'n k'gaL{dfz'Ns

k|ltzt 12.28 13.45 9.59 3.74 3.85

!& Joj:yfkg vr{÷s'n aLdfz'Ns k|ltzt 9.13 10.58 8.21 6.92 13.53

!*aLdf clestf{ ;DalGw vr{÷s'n aLdfz'Ns

k|ltzt 17.29 17.68 14.68 11.52 16.80

!( aLdf clestf{ ;+Vof ;+Vof 73,592 63,580 49,964 38,368 33,649

@) sd{rf/L ;+Vof ;+Vof 299 316 289 259 217

@! sfof{nosf] ;+Vof ;+Vof 104 104 97 82 23

@@ sd{rf/L vr{÷Joj:yfkg vr{ k|ltzt 20.04 26.27 27.61 35.70 17.27

@# sd{rf/L vr{÷sd{rf/L ;+Vof ?= 627,959 711,659 444,988 371,920 344,828

@$e'QmfgL x'g aFfsL bfjL /sd÷e'QmfgL ePsf] bfjL /sd

k|ltzt 20.58 15.54 8.75 8.75 17.39

@%s'n sfod /x]sf] aLdfn]vsf] ;+Vof -a}=/f] aLdfn]v ;d]t_

;+Vofdf 1,243,822 1,020,595 921,093 764,689 597,882

@^o; jif{ gjLs/0f ePsf] aLdfn]vsf] ;+Vof÷ut jif{ sfod /x]sf]aLdfn]vsf] ;+Vof

k|ltzt 92.07 72.87 83.98 77.00 80.00

@&bfjL k/]sf] aLdfn]vsf] ;+Vof÷s'n sfod /x]sf] aLdfn]vsf] ;+Vof

k|ltzt 1.57 1.69 1.70 0.06 0.06

@* ;f]Ne]G;L dflh{g k|ltzt 2.74 3.17 3.00 3.17 6.78

@( 3f]lift af]g; b/ k|ltxhf/ ?=^@ b]lv ?=*@ ;Dd ?=^@ b]lv ?=*@ ;Dd ?=^@ b]lv ?=*@ ;Dd ?=^@ b]lv ?=*@ ;Dd ?=^@ b]lv ?=*@ ;Dd

#) cGtl/d af]g; b/ k|ltxhf/ - - - - -gf]6M sfof{no ;+Vofdf If]lqo sfof{no tyf pkzfvf sfof{nox? klg u0fgf ul/Psf 5g\.




cg';"rL– #!

aLdf°sf] ljj/0f

qm=;+=

aLdfsf] lsl;d sfod /x]sf] aLdfn]vsf] ;+Vof sfod /x]sf] aLdfn]v cGtu{t hDdf aLdf° ;d of6 l/:s (Sum at Risk)

o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{

! ;fjlws hLjg 263,192 243,659 51,546,019,608 38,310,196,684 42,370,352,433 30,584,821,455

@ cu|Ld e'QmfgL 78,142 76,180 41,055,641,502 35,952,208,122 37,213,197,490 33,683,133,101

# hLjg ;xf/f 99,269 91,615 21,416,497,061 15,916,389,611 18,898,398,874 14,068,418,765

$ hLjg ;f/ly -cGo_ 2,679 1,872 1,174,052,000 636,146,000 1,108,189,465 598,983,008

% ;fdfGo Doflb 563,864 609,203 301,350,152,000 303,840,482,000 300,817,621,814 303,559,639,370

hDdf 1,007,146 1,022,529 416,542,362,171 394,655,422,417 400,407,760,076 382,494,995,699

qm=;+=

aLdfsf] lsl;d k'gaL{dsnfO{ x:tfGt/0f ul/Psf] ;d of6 l/:s (Sum at Risk) aLdsn] wf/0f u/]sf] ;d of6 l/:s (Sum at Risk)

o; aif{ ut aif{ o; aif{ ut aif{

! ;fjlws hLjg 5,339,062,611 2,587,187,926 37,031,289,822 27,997,633,529

@ cu|Ld e'QmfgL 17,500,285,237 14,062,077,576 19,712,912,253 19,621,055,525

# hLjg ;xf/f 3,049,755,491 1,364,210,855 15,848,643,383 12,704,207,910

$ hLjg ;f/ly -cGo_ 229,289,725 78,542,923 878,899,740 520,440,085

% ;fdfGo Doflb 170,761,740,926 237,110,016,397 130,055,880,888 66,449,622,973

hDdf 196,880,133,990 255,202,035,677 203,527,626,086 127,292,960,022


;+:yfks tyf ;+:yfks ;d'xsf z]o/wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ lwtf] /flvPsf] laj/0f->L aLdf ;ldltaf6 ldlt @)&!.)(.@( df hf/L ;+:yfks z]o/ lwtf]aGws ;DaGwL Joj:yf cg'?k_

s|=; gfd lwtf]df

/x]sf]

z]o/ lsQf

;+Vof

1 KAVITA SANGHAI 8862502 BASU DEV GOLYAN 6365483 PAWAN KUMAR GOLYAN 5095004 GOVIND LAL SANGHAI 3850005 PURUSHOTAM LAL SANGHAI 3670006 Suhrid Raj Ghimire 2166007 AMIT AGRAWAL 1734008 Ram Awatar Agrawal 1247759 RAM CHANDRA SANGHAI 7200010 VIVEK AGRAWAL 6900011 SUBHASH CHANDRA SANGHAI 6400012 ASHOK KUMAR AGARWAL 4625013 ANJALI SARAWOGI 4334914 Ram Awatar Agrawal 4125015 Udaya Prasad Ojha 3692116 DIWAKAR GOLCHHA 3500017 SAURAV GARG 3468018 SATISH KUMAR MORE 3400019 SIRISH KUMAR MURARKA 3334320 KANHAIYA MITTAL 3230021 SAJJAN KUMAR KHETAN 3054322 VIDYA DEVI AGRAWAL 2920723 RENU MITTAL 2624924 SAMPURNA DAS TULADHAR 2384225 SHRAWAN KUMAR MORE 2350026 RAJ KUMAR MORE 2350027 SURESH KUMAR AGRAWAL 2023028 PRAMILA DEVI AGRAWAL 1978229 CAPTIVE INVESTMENT COMPANY 1733930 Pramila Devi Agrawal 1651131 Shiv Ratan Agarwal 1375032 Pawan Kumar Agrawal 1017033 Suraj Pandia 1011534 VISHAL AGARWAL 891235 SURENDRA KUMAR GOEL 750036 MAHENDRA KUMAR BHIMSARIA 7225

s|=; gfd lwtf]df

/x]sf]

z]o/ lsQf

;+Vof

37 MAHESH KUMAR AGRAWAL 714238 RAMESH KUMAR AGRAWAL 687539 NAND KISHOR SHARMA 654140 DIPESH BAHADUR DHAUBANZZAR 625041 ROSHANI MAIYA DHOUBANJA 625042 Mukesh Kumar Agrawal 625043 NAND KISHOR SHARMA 605544 PREM BAHADUR BARAL 536645 LALIT SARDA 500046 BHARAT REGMI 409947 POONAM GOEL 375048 SUMITRA SHARMA 340049 SUMITRA SHARMA 315550 Madhusudan Agrawal 300051 KESHAV TULADHAR 225752 BODH PRASAD TRIPATHI 150053 KUMAR PRASAD OJHA 144554 KESHAB TULADHAR 135555 DINESH ARYAL 125056 RAVI KUMAR AGRAWAL 100057 PRUDENTIAL CAPITAL MANAGEMENT

COMPANY PVT. LTD51016

58 SWADESHI SECURITIES & INVESTMENT PVT LTD

20450

59 SHREE GANESH PROPERTIES AND INVEST-MENTS

9610

60 Bodh Prasad Tripathi 1329761 NIRMAL KUMAR AGRAWAL 4252562 ANUJ AGARWAL 47850063 SHANKAR LAL AGRAWAL 15962564 Jayant Kumar Agrawal 3999565 Ashok Kumar Agrawal 4887566 RAJ KUMAR BARAL 578067 SHIVASHANKAR AGRAWAL 4335068 RAJENDRA KUMAR AGRAWAL 950069 NARESH KUMAR AGRAWAL 2312070 SANJEEV KUMAR DAHAL 4080




>L aLdf ;ldltsf] ldlt @)&#÷!!÷!) sf] kq cg';f/ sDkgLsf] cf=a= @)&@÷&# sf] lalQo ljj/0f :jLs[t ubf{sf] zt{x? ;DaGwdf sDkgLsf] hjfkm!= b]zdf uPsf] lagfzsf/L dxfe'sDk kZrftsf] c;xh kl/l:ylt, OGwgsf] cefj tyf cy{tGqsf] c;xh jftfj/0fsf] sf/0f

ck]Iffs[t Joj;fo j[l4 gx'g' / vr{df j[l4 x'+bf vr{ cg'kftsf] l;df s]xL gf£g uPsf] Joxf]/f cg'/f]w ub{5f}+ .

@= sDkgLn] clestf{nfO{ k|bfg ub}{ cfPsf] C0f, ;fk6L tyf k]ZsL ;dod} c;'nLsf] k|s[of cem} k|efjsf/L agfpg kxn

ug]{ Joxf]/f cg'/f]w ub{5f}+ .

#= sDkgLn] cfkm\gf] l:y/ ;DklQsf] ef}lts kl/If0f u/L vftf cBfjlws ul/b} n}hfg] k|ltaWbtf hfx]/ ub{5f}+ .

$= sDkgLn] cG8//fOl6Ë k|s[ofnfO{ cfufdL lbgdf cem} a9L k|efjsf/L agfpg kxn ug]{ Joxf]/f cg'/f]w ub{5f}+ .

%= ;ldltaf6 hf/L ePsf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf @)&# kfngf ug{ sDkgL k|lta4 /x]sf] Joxf]/f cg'/f]w ub{5f}+ .

^= k"0f{ ljj/0f gv'n]sf] sDkgLsf a}+s vftfdf ;+sng ePsf jLdf z'Ns /sdx?sf] Go'lgs/0fdf sDkgLn] oyf]lrt kxn

ul//x]sf], kmn:j¿k ;f] /sddf pNn]Vo sdL klg cfO/x]sf] Joxf]/f cg'/f]w ub}{ afFls /xg cfPsf /sdx?nfO{ klg

;dfof]hg ul/+b} nlug] k|ltaWbtf hfx]/ ub{5f}+ .

&= sDkgLsf] cfGtl/s tyf afXo n]vf kl/Ifsn] cf}+NofPsf s}lkmotx? qmlds ?kn] ;'wf/ ul/b} nluPsf] Joxf]/f cg'/f]w

ub{5f}+ .

sDklgsf] k|aGwkq tyf lgodfjnLdf ul/Psf] ;+zf]wgsf] ljj/0f

k|jGwkqdf ePsf] ;+zf]wg k|:tfjbkmf ;fljs Joj:yf ;+zf]lwt Joj:yf ;+zf]wg ug'{ kg]{ sf/0f

bkmf %-v_ sDkgLsf] tTsfn hf/L k"FhL ? @,$&,&!,$@,())÷–

-b'O{ ca{ ;t\rfln; s/f]8 PsxQ/ nfv aofln; xhf/ gf}zo_ x'g]5 .

sDkgLsf] tTsfn hf/L k"FhL

?= #,)(,^$,@*,^@%÷– -tLg ca{ gf} s/f]8 rf};7\7L nfv c77f\O{; xhf/ 5 zo klRr;_ x'g]5 .

af]g; z]o/ hf/L ubf{ ljBdfg

hf/L k"FhL ck'u x'g] eO{ hf/L k'FhLnfO{ j[l4 ug{ cfjZos ePsf]n] .

bkmf %-3_ sDkgLsf] r'Stf k"FhL slDtdf ?= @,$&,&!,$@,())÷– -b'O{ ca{ ;t\rfln; s/f]8 PsxQ/ nfv aofln; xhf/ gf}zo_ x'g]5 .

sDkgLsf] r'Stf k"FhL slDtdf

?= #,)(,^$,@*,^@%÷– -tLg ca{ gf} s/f]8 rf};7\7L nfv c77f\O{; xhf/ 5 zo klRr;_

x'g]5 .

af]g; z]o/ hf/L ubf{ r'Stf k"FhL a[l4 x'g] ePsf]n] .


lgo

dfj

nLd

f ePs

f] ;+z

f]wg

k|:t

fjlgod

;fljs Joj

:yf

;+zf]lw

t Joj:yf

;+zf]wg

ug'{ k

g]{ sf/0f

lgod

%-v

_ sDkgLsf] tTsfn h

f/L k"Fh

L ?=@,$&,&!,$@,())÷–

-b'O{ ca{

;t\r

fln; s

/f]8 P

sxQ

/ nfv

aofln; x

hf/ g

f}zo_ x

'g]5 .

sDkgLsf] tTsfn h

f/L k"Fh

L ?= #

,)(,^$,@*,^@%÷–

-tLg c

a{ gf} s

/f]8 r

f};7\7

L nfv

c77

f\O{; xhf/

5 z

o klRr;_ x'g

]5 .

af]g;

z]o/

hf/L

ubf{

ljBdfg hf/L k"Fh

L ck'u

x'g]

eO{ h

f/L k'Fh

LnfO{ j

[l4 u

g{ cfjZos e

Psf]n] .

lgod

%-ª_

sDkgLsf] r'St

f k"Fh

L slDt

df ?

= @,$&,&!,$@,())÷–

-b'O{ ca{

;t\r

fln; s

/f]8 P

sxQ

/ nfv

aofln; x

hf/ g

f}zo_ x

'g]5 .

sDkgLsf] r'St

f k"Fh

L slDt

df ?

= #,)(,^$,@*,^@%÷–

-tLg c

a{ gf} s

/f]8 r

f};7\7

L nfv

c77

f\O{; xhf/

5 z

o klRr;_ x'g

]5 .

af]g;

z]o/

hf/L ub

f{ r'St

f k"Fh

L a[l4 x

'g] eP

sf]n] .

lgod

!#=!^-u_

-!_

sDkgLsf] sfdsf] l;nl;nfdf :jb]z

jf lab]z

e|d0f ub

f{ ;+rfnsnfO{ k

|bfg

ul/g]

b}lgs

tyf e|d

0f e

Qf b]x

fo a

df]lhd

x'g]5 .

s|=;+=

vr{ lzif{s

b]zxf]6]n

vr{

b}lgs

eQf

tyf vr{

! If]q ! -cd]l/s

L 8n/_

cd]l/s

f, a]n

fot, h

fkfg

lan

adf]lh

d!%)

@If]q @ -cd]l/s

L 8n/_

If]q g+=!

tyf ;fs{sf ;b:o

b]zx?

afx]s c

Go ;

a} b]z

x?

lan

adf]lh

d!%)

#If]q # -cd]l/s

L 8n/_

g]kfn / ef/t afx]s

;fs{sf c

Go

b]zx?

lan

adf]lh

d !@)

$

If]q $ -ef=?=_

ef/t

lan

adf]lh

d@)))

% If]q $ -g]=?=_

g]kfn

lan

adf]lh

d$)))

;fy} e|d0f ub

f{ nfUg

] xjfO{ l6s6, kf;kf]6{, le;

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g]kfn nfOkmsf hLjg aLdf of]hgfx?

!_ NEPAL LIFE gf}nf] hLjg ;Da[l4 aLdf of]hgfM

hLjgsf] ;kgfx? ;fsf/ kfg{===

gf}nf] hLjg ;Da[l4 aLdf of]hgfsf ljz]iftfx?M!= ;Lldt cjlw dfq aLdfz'Ns e'QmfgL ug'{kg]{ / aLdf cjlw ;dfKt

x'g' cufj} $–$ jif{sf] cGt/fndf ;Dk"0f{ aLdf° /sd lkmtf{ eO;Sg]

@= aLdf rfn" ePsf] ! jif{ kZrft\ aLdfn]v lwtf] /fvL ;xh} shf{

lng ;lsg]

#= aLdfz'Ns Psn ls:tf klg e'QmfgL ug{ ;lsg], Psn aLdfz'Ns e'QmfgLdf aLdf°sf] @=% u'0ff d[To hf]lvd axg x'g]

@_ NEPAL LIFE gf}nf wgjiff{ hLjg aLdf of]hgfM

of]hgfsf ljz]iftfx?M!= !* jif{{ b]lv ^) jif{{ ;Ddsf JolQmx?sf] hLjg aLdf x'g]@= l;ldt cjlw dfq aLdf z'Ns e'QmfgL ug'{kg]{#= ;ldt cjlw kZrft aLdf cjlw ;Dd aLdf z'Ns e'QmfgL gu/L aLdfn]v rfn" /lx/xg]$= aLdf cjlw ;dflKt cufj} $ ls:tfdf aLdf° /sd k|fKt x'g]%= aLdf cjlw ;dflKtdf cflh{t af]g; /sd Psd'i7 kfOg]

^= aLdf rfn' ePsf] ! jif{{ kZrft C0f ;'ljwf pknAw x'g]

#_ NEPAL LIFE afn lzIff of]hgfM

cfgf] lk|o ;Gtltsf] ;'lglZlrt eljio tyf plrt lzIff lbIff /

;fdflhs sfo{sf] nflu cfgf] / aRrfsf] ;d]t hf]lvd axg x'g]

;fjlws hLjg aLdf .

aLdf of]hgfMg]kfn nfOkm ;'lglZrt eljio tyf lzIff ;fjlws hLjg aLdf

aLdf of]UotfM

k|j]z pd]/ M aRrf – hGd] b]lv !* jif{;Dd

k|:tfjs – @) jif{ b]lv ^% jif{ ;Dd

aLdf cjlw M % jif{ b]lv #) jif{ ;Dd

-aLdf cjlw ;dflKtdf aRrfsf] pd]/ #) jif{ / k|:tfjssf] &) jif{

ggf£g] u/L_

aLdf° M k|:tfjs – ?= %) xhf/ b]lv ! s/f]8 ;Dd

aRrf – k|:tfjssf] aLdf° a/fa/ clwstd ?= @% nfv ;Dd

hf]lvd axg z'NsM aRrfsf] aLdf°df ?= ! k|lt xhf/

;'ljwfx?M!= aLdf cjlw ;dflKt ;Dd k|:tfjs hLljt ePdf k|:tfjssf] aLdf°

/ cflh{t af]g; /sd k|:tfjsnfO{ Psd'i7 e'QmfgL x'g]*@= aLdf cjlw leq k|:tfjs -aLldt_ sf] d[To' ePdf,

s_ pQm cjlw ;Ddsf] cflh{t af]g; /sd e'QmfgL x'g] / To;

kl5 e'Qmfg ug'{kg]{ aLdfz'Ns 5'6 x'g],

v_ k|:tfjssf] d[To' kZRfft aLdf cjlw ;dflKt ;Dd k|To]s jif{ k|:tfjssf] aLdf°sf] !)Ü /sd e'QmfgL x'g] . aLdf cjlw ;dflKtdf jflif{s !)Ü sf b/n] e'QmfgL lbO{ afFsL /xg uPsf] aLdf° /sd -ePdf_ e'QmfgL x'g] .

#= hf]lvd k|f/De# eP kZrft aRrfsf] d[To' ePdf aLdf° a/fa/ /sd e'QmfgL x'g] tyf aLdf rfn' /lx/xg] -lgoldt aLdfz'Ns e'QmfgL ug'{kg]{_

$= aLdf rfn' ePsf] ! jif{ kZrft aLdfn]v lwtf] /fvL C0f ;'ljwf lng ;lsg] .

*k|:tfjssf] d[To' eO{ jf geO{ aLdf cjlw ;dflKtdf aRrf lhljt} /x]df aRrfsf] aLdf° jfktsf] s'g} /sd pknAw gx'g]

#aLdf k|f/De ePsf] @ jif{ kZrft jf aRrfsf] pd]/ % jif{ k'u] kZrft -h'g cufl8 cfpF5_ aRrfsf] hf]lvd axg x'g] .

aLdf z'Nsdf 5'6 tyf ykM

aLdf°df 5'6

?= % nfv eGbf a9L / !)

nfv aLdf° ;Ddk|lt xhf/ aLdf°df ?= ! 5'6

?= !) nfv eGbf a9L aLdf°df k|lt xhf/ aLdf°df ?= @ 5'6

$_ NLIC hLjg ;fxf/f aLdf of]hgfMaLdf° /sd M Go"gtd ?= %),)))÷– b]lv a9Ldf cfo>f]tsf] cfwf/df

ug{ ;lsg] k|j]z pd]/ M !^ b]lv ^% jif{ ;Dd

clwstd aLdf ;dflKt pd]/ M &) jif{

o; aLdf of]hgfsf ljz]iftfx?Ms_ aLdf cjlw ;dflKt ;Dd aLldt lhljt} /x]df aLdf° / cflh{t

af]g; e'QmfgL ul/g] 5 .


v_ aLdf cjlwleq aLldtsf] d[To' ePdfMá sfnultn] d[To' ePdfM aLdf° / cflh{t af]g; e'QmfgL ul/g] .á b'3{6gfaf6 d[To' ePdfM aLdf° /sd, cflh{t af]g; +ADB

clwstd ?= @%,)),)))÷– e'QmfgL ul/g] 5 . -olb aLldtn] ADB ;'ljwf lnPdf_

u_ aLdf cjlw ;dflKt kl5 aLldtsf] d[To' ePdfMá sfnultn] d[To' ePdfM aLldtn] OR5fOPsf] JolQmnfO{ r'Qmf

aLdfn]v dfgL af]g; afx]ssf] s'n aLdf° e'QmfgL ul/g] 5 .á b'3{6gfaf6 d[To' ePdfM &) jif{ k'Ug' cufj} d'To' ePdf lghn]

OR5fOPsf] JolQmnfO{ aLdf° / b'3{6gf jfkt yk aLdf° /sd

-clwstd ?= @%,)),)))÷– ;Dd_ e'QmfgL ul/g] 5 . -olb

aLldtn] ADB ;'ljwf lnPdf_

%_ NLIC hLjg Hof]lt aLdf of]hgfMaLdf° /sd M Go"gtd ¿= %),)))÷– b]lv a9Ldf cfo>f]tsf] cfwf/df

ug{ ;lsg]

k|j]z pd]/ M !! b]lv ^) jif{ ;Ddclwstd aLdf ;dflKt pd]/ M &) jif{o; aLdf of]hgfsf ljz]iftfx?Má k6s k6s aLdf z'Ns e'QmfgL ug{ emGem6 dfGg] u|fxsx?nfO{

dWogh/ /fvL Psn tyf ls:tfaGbL tl/sf cg'?k klg aLdf z'Ns e'QmfgL ug{ ;lsg] .

á of] of]hgfdf aLdf ;dflKt ldlt;Dd aLldt hLljt /x]df jf aLdf ;dflKt ldlt cufj} aLldtsf] d[To' ePdf aLdfn]vsf] zt{x?sf] clwgdf /xL aLdf° /sd / lgodfg';f/sf] cflh{t af]g; Psd'i6 e'QmfgL lbOg]5 .

á aLdfz'Ns e'QmfgL Psn jf tn pNn]v eP cg';f/ ls:tfaGbL ?kdf e'QmfgL ug{ ;lsg]5 .

aLdf cjlw aLdf z'Ns e'QmfgL cjlw

!) jif{ % jif{

!% jif{ % jf !) jif{

@) jif{ %, !) jf !% jif{

@% jif{ %, !), !% / @) jif{

#) jif{ %, !), !%, @) / @% jif{á P]lR5s ;'ljwf cGtu{t aLdf° /sd a/fa/ jf clwstd ?=

@%,)),)))÷– ;Ddsf] b'3{6gf d[To' nfe tyf :yfoL czQmtf ePdf aLdf z'Ns 5'6 ;'ljwf ;dfj]z ul/Psf] .

á aLdfz'Ns e'QmfgL Psn, jflif{s, cw{jflif{s / q}dfl;s tl/sf

cg';f/ ug{ ;lsG5 .

^_ NLIC ;'/lIft hLjg aLdf of]hgfMaLdf° /sd M Go"gtd ?= @%,)))÷– b]lv a9Ldf cfo>f]tsf] cfwf/df

ug{ ;lsg] . k|j]z pd]/ M !! jif{ b]lv ^) jif{ ;Dd

aLdf cjlw M % b]lv a9Ldf %) jif{

clwstd aLdf ;dflKt pd]/ M ^% jif{

o; aLdf of]hgfsf ljz]iftfx?Má aLdf cjlw ;dfKt ePkl5 aLdf° /sd / cflh{t af]g; Psd'i6

aLldtnfO{ e'QmfgL ul/g]5 .á aLdf cjlwleq s'g} klg sf/0faf6 aLldtsf] d[To' ePdf aLdf° /sd

/ ;dfg'kflts cfh{g u/]sf] af]g; OR5fOPsf] JolQmnfO{ e'QmfgL

ul/g]5 .á o; of]hgfdf b'3{6gf d[To' nfe (ADB), czQmtf nfe (PTD) tyf

lk|ldod 5'6 ;'ljwf (PWB) klg ;dfj]z ug{ ;lsg]5 .

&_ NLIC DofbL hLjg aLdf of]hgfMaLdf° /sd M Go"gtd ¿= !),)))÷– b]lv a9Ldf cfo>f]tsf] cfwf/df

ug{ ;lsg] .

Go"gtd k|j]z pd]/ M !* jif{ b]lv ^) jif{ ;Dd

aLdf cjlw M %, !), !%, @), @% / #) jif{ ;Ddsf] x'g]


aLldtsf] Go"gtd ;d"x ;+Vof M @% hgf

o; aLdf of]hgfsf ljz]iftfx?Má sd aLdf z'Nsdf d[To' hf]lvd jxg x'g] aLdf of]hgf .á C0f /sd a/fa/ DofbL hLjg aLdf u/]sf] cj:yfdf aLldtsf] d[To'

ePdf sDkgLn] C0f /sd a}+s÷ljQLo ;+:yfnfO{ ltl/lbg] ePsf]n] kl/jf/sf ;b:ox? pQm lrGtfaf6 d'Qm x'g ;Sg] .

á aLdf cjlw leq aLldtsf] d[To' ePdf aLdfn]vdf OR5fOPsf] JolQm cyjf ;+:yfnfO{ aLdf° /sd e'QmfgL ul/g] 5 . aLdf cjlw kZrft aLldtsf] d[To' ePdf s'g} klg /sd lbOg] 5}g .

gf]6M aLdf z'Ns 5'6 ;'ljwfM ?= !),)),)))÷– eGbf a9Lsf] aLdf°df aLdf z'Nsdf %Ü 5'6

kfOg] 5 . o; of]hgfdf C0f, ;dk{0f d"No, r'Qmf d"No / af]g;sf] Joj:yf 5}g .

á tna art of]hgfM s'g} klg ;+:yfn] Go"gtd !% hgf sd{rf/L /xg] u/L pgLx?sf]

;xdltdf dfl;s aLdf z'Ns a'emfpg] u/L hLjg aLdf u/fpg

;Sg]5g\ . o;/L hLjg aLdf ubf{ dfl;s ?kdf aLdf z'Ns e'QmfgL ubf{ nfUg] cltl/Qm b:t'/ a'emfpg' kb}{g . ;'/lIft, hLjg ;d[l4, hLjg ;fxf/f tyf hLjg nIdL aLdf tna art of]hgf

cGtu{t lng ;lsG5.

*_ NLIC hLjg ;f/yL hLjg aLdf of]hgfMaLdf° /sd M Go"gtd ?= %),)))÷– b]lv a9Ldf cfo>f]tsf] cfwf/df ug{ ;lsg].

Go"gtd k|j]z pd]/ M !* jif{ b]lv %) jif{ ;DdaLdf cjlw M !% jif{ b]lv a9Ldf #) jif{ ;Dd



o; aLdf of]hgfsf ljz]iftfx?Má Pp6f JolQmn] cfgf] dfq hLjg aLdf ug{ ;lsg] k|fjwfg /x]sf]df o;

æhLjg ;f/yLÆ aLdf of]hgfdf >Ldfg\ >LdtL b'j}sf] ;+o'Qm hLjg

aLdf Pp6} aLdfn]v cGtu{t x'g;Sg] Joj:yf ul/Psf] 5 . á b'j} hgfsf] ;+o'Qm gfddf hLjg aLdf ePsf] ePtfklg s'g} Pshgfsf]

d[To' ePsf] l:yltdf aLdf u/]sf] /sd -aLdf°_ hLljt aLldtn]

kfpg] 5 . t/ o; kl5 klg aLdfn]v rfn' cj:yfdf g} /xG5 /

o;df hLljt aLldtn aLdf z'Ns ltl//xg' kb}{g.á aLdf cjlw ;dfKt eP kl5 lghnfO{ k'gM aLdf° /sd / ;'?

b]lvsf] Psd'i6 af]g; lbOG5 . o;/L b'O{ k6s aLdf° /sd kfpg

;lsg] Joj:yf o; aLdf of]hgfdf ul/Psf] 5 .á of] æhLjg ;f/yLÆ hLjg aLdf !% jif{ b]lv a9Ldf #) jif{ cjlw

;Ddsf] nflu ug{ ;lsG5 . o; aLdf of]hgfdf P]lR5s ;'ljwf

cGtu{t b'3{6gf d[To' nfe (ADB) a9Ldf ?= @%,)),)))÷– ;Dd

pknAw x'g]5 / of] ;'ljwf lnP afkt k|lt xhf/ ?= @÷– sf b/n]

yk aLdf z'Ns nfUg]5 .

(_ NLIC afnaRrfsf] hLjg aLdf ;DaGwL of]hgfMæs]6fs]6Lsf] lzIff / ljjfx ;fjlws hLjg aLdf of]hgfÆ cGt{ut hGd] b]lv !( jif{ ;Dd pd]/ k'u]sf afnaRrfx?sf] nflu aLdf° ?= %),)))÷– b]lv ?= !),)),)))÷– ;Ddsf] hLjg aLdf u/fpg ;lsG5 .

o; aLdf of]hgfsf ljz]iftfx?Má aLdf z'Ns 5'6 ;'ljwf (PWB)

s]6fs]6L ;fjlws hLjg aLdf cGtu{t aLdf z'Ns 5'6 ;'ljwf (PWB) lng ;lsG5. o:tf] ;'ljwf pkef]usf] nflu aLdfn]v k|f/De ePkl5 aLdf k|:tfjssf] d[To' ePdf jf aLdfn]v ;fy ;+nUg cg';"rLdf pNn]v eP adf]lhd b'3{6gfsf] sf/0faf6 czQm / ckfË ePdf afFsL aLdf cjlwsf nflu aLdfn]v cGt{utsf] aLdf z'Ns e'QmfgL 5'6 ul/g] 5 . t/ clGtd Ps jif{sf] aLdfz'Ns aLldt :jo+dn] ltg'{kg]{ 5 . o:tf] ;'ljwf clwstd ?= %,)),)))÷–

jf s'n aLdf° dWo] h'g sd x'G5 ;f] k|bfg ul/g]5 .á hf]lvd k|f/De x'g] cj:yfM

s]6fs]6L ;fjlws hLjg aLdfn]vdf ! jif{ b]lv & jif{;Dd pd]/ ePdf aLldtsf] & jif{ pd]/ k'/f ePkl5 aLdfn]vsf] klxnf] jflif{sf]T;j ldlt b]lv / aLldtsf] pd]/ *, (, / !) jif{ ePdf

pgLx?sf] pd]/ !) jif{ k'/f ePkl5sf] aLdfsf] jflif{sf]T;j ldlt b]lv

dfq aLdfn]v cGtu{t aLldtsf] d[To' hf]lvd k|f/De x'g]5 .á yk hf]lvd axg ;'lawfM hLjg aLdfsf u|fxssf] rfxgf cg'?k cltl/Qm hf]lvd axg

;'ljwf cGtu{t & jif{ eGbf d'lgsf aRrfx?sf] aLdf k|f/De ePsf]

ldltn] @ jif{kl5 hf]lvd axg ul/g] 5. of] ;'ljwfsf nflu aLdf

k|f/De ubf{ s} cj:yfdf Ps k6s dfq yk aLdfz'Ns e'QmfgL ug'{ kb{5 .

!)_ NLIC hLjg nIdL aLdf of]hgfMaLdf° /sd M ?= !),)))÷– b]lv ?= !,)),)))÷— ;Dd

Go"gtd k|j]z pd]/ M !^ jif{ b]lv %) jif{ ;Dd

aLdf cjlw M & jif{ b]lv @% jif{ ;Dd

clwstd aLdf ;dflKt pd]/ M ^) jif{

o; aLdf of]hgfsf ljz]iftfx?Má -l;Ën_ aLdf cjlwe/ aLdfn]v rfn' /x]df aLdf° /sd / ;f]

cjlwsf] af]g; Psd'i6 e'QmfgL lbg] .á -8an_ aLdf cjlwleq rfn' aLdfn]v cGtu{t aLldtsf] k|fs[lts

d[To' ePdf s'n aLdf°sf] b'O{ u'0ff /sd / ;f] cjlw ;Ddsf]

cflh{t af]g; Psd'i6 e'QmfgL lbg] .á -l6«kn_ aLdf cjlwleq rfn' aLdfn]v cGtu{t b'3{6gfsf] sf/0faf6

aLldtsf] d[To' ePdf s'n aLdf° /sd tLg u'0ff / cflh{t af]g;

Psd'i6 e'QmfgL lbg] .á aLdfz'Ns e'QmfgL Psn, jflif{s, cw{jflif{s, q}dfl;s, dfl;s,

kflIfs / b}lgs tl/sf cg';f/ ug{ ;lsG5 .


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