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1 jflif{s k|ltj]bg @)^#÷^$

jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

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Page 1: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

1jflif{s k|ltj]bg @)^#÷^$

Page 2: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

2 jflif{s k|ltj]bg @)^#÷^$

;+rfns ;ldlt

lr/GhLnfn cu|jfncWoIf

;'/]z rGb| cu|jfn;+rfns

tf/frGb s]l8of;+rfns

/tgnfn s]l8of;+rfns

ljZjgfy zfx;+rfns

dx]z k|;fb kf]v/]n;+rfns

-;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt_

x]dGt 1jfnL;+rfns

-;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt_

sDkgL ;lrj n]vfk/LIfshLjg e§/fO{ Pn=8L= dxt

;fem]bf/;L=P;=;L= P08 s+=rf6{8{ PsfpG6]G6\;

Page 3: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

3jflif{s k|ltj]bg @)^#÷^$

l;4fy{ a}+s lnld6]8sf z]o/wgL dxfg'efjx¿nfO{5}6f}“ jflif{s ;fwf/0F ;efsf]

;"rgf

ldlt @)^$÷^÷!$ ut]sf lbg a;]sf] ;+rfns ;ldltsf] () cf}F a}7ssf] lg0f{ofg';f/ o; a}+ssf] 5}7f}+ jflif{s;fwf/0f ;ef lgDg lnlvt ldlt, :yfg tyf ;dodf lgDg ljifox¿pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf]n] ;Dk"0f{z]o/wgL dxfg'efjx¿sf] pkl:yltsf nflu cg'/f]w ub{5' .

!= ;ef x'g] ldlt, ;do / :yfgldlt M @)^$ ;fn dª\l;/ !( ut] a'waf/ -tbcg';f/ )% l8;]Da/, @))&_:yfg M /fli6«o ;efu[x, k|bz{gL dfu{, sf7df8f}F;ef ;'? x'g] ;do M laxfg !!M#) ah]

pkl:ylt k'l:tsf laxfg (M)) ah] b]lv !!M)) ah];Dd v'Nnf /flvg] 5 .

5nkmnsf ljifox¿ M

-s_ ;fdfGo k|:tfj!= ;+rfns ;ldltsf] jflif{s k|ltj]bg @)^#÷^$ kfl/t ug]{ .@= n]vfk/LIfssf] k|ltj]bg;lxt @)^$ cfiff9 d;fGtsf] jf;nft / ldlt @)^# >fj0f ! b]lv @)^$ cfiff9

d;fGt;Ddsf] gfkmfgf]S;fg lx;fa tyf ;f]xL cjlwsf] gub k|jfx ljj/0f .#= ;+rfns ;ldltn] k|:tfj u/]cg'¿k af]g; z]o/sf] s/afktsf] /sdsf] nflu ?= $&,#^,*$@ gub nfef+z

:jLs[t ug]{ .$= sDkgL P]g @)^# sf] bkmf !!! cg';f/ cfly{s jif{ @)^$÷^% sf] nflu n]vfk/LIfssf] lgo'lQm ug]{ / gLhsf]

kfl/>lds tf]Sg] .-b|i6Jo M xfn axfnjfnf n]vfk/LIfs >L Pn=8L=dxt, kf6{g/, ;L=P;=;L= PG8 sDkgL, rf6{8{ PsfpG6]G6\;k'gM lgol'Qmsf nflu of]Uo x'g'x'g]5}g ._

%= ;+rfnsx¿sf] a}7s eQf tyf ;'ljwf j[l4 ug]{ ;DaGwdf .

-v_ ljz]if k|:tfj!= @)^$ cfiff9 d;fGtdf ;dfKt jif{sf] d'gfkmf tyf k'FhL ;dfof]hg sf]ifsf] /sd ;d]taf6 !% k|ltztsf

b/n] af]g; z]o/ hf/L ug]{ tyf tt\kZrft\ @) k|ltztsf b/n] xsk|b z]o/ hf/L ug]{ u/L a}+ssf] hf/L k'FhLtyf r'Qmf k'FhL j[l4 ug]{ / ;f]xLcg'¿k k|aGwkqsf] bkmf % -v_ / % -u_ ;+zf]wg ug]{ .

-u_ ljljw

;+rfns ;ldltsf] cf!fn]sDkgL ;lrj

Page 4: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

4 jflif{s k|ltj]bg @)^#÷^$

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

-!_ a}+ssf] z]o/ bflvn vf/]hsf] sfd ldlt @)^$÷*÷% b]lv @)^$÷*÷!( ;Dd aGb /xg]5 .

-@_ a}saf6 jflif{s ;fwf/0f ;efdf 5nkmn x'g] ljifox¿;lxtsf] ;"rgf z]o/wgL dxfg'efjx¿sf] 7]ufgfdf x'nfs÷s'l/o/af6 lgs6 eljiodf k7fOg]5 . s'g} z]o/wgL dxfg'efjx¿n] pQm ;"rgf gkfpg'ePdf o;} ;"rgfsf]cfwf/df ;fwf/0f ;efsf] a}7sdf pkl:yt x'g cg'/f]w ul/G5 . ;fy} 5}6f}F jflif{s k|ltj]bgsf] nflu a}+ssf] j]j ;fO6www.siddharthabankltd.com x]g'{ x'g jf a}+ssf] k|wfg sfof{no, sdnfbL, sf7df8f}Fdf ;Dks{ /fVg'x'gcg'/f]w ul/G5 .

-#_ ;efdf efu lng jf dtbfg ug{sf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx¿n] ;f];DaGwL lgj]bg@)^$ ;fn dª\l;/ !( ut] ;fw/0f;ef ;'? x'g'eGbf $* 306f klxn] cyf{t\ @)^$ ;fn dª\l;/ !& ut] laxfg!!M#) ah]leq l;4fy{ a}+s lnld6]8, sdnfbLdf btf{ u/fO;Sg'kg]{5 . k|ltlglwkq -k|f]S;L_ k|rlnt ;a} sDkgLsfg'gn] tf]s]sf] 9fFrfdf x'g'kg]{5 .

-$_ Ps hgf z]o/wgLn] PseGbf a9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df ;a} k|ltlglw -k|f]S;L_ :jtM ab/ x'g]5 . t/k|ltlglw -k|f]S;L_ lbg] z]o/wgLn] cfkm"n] cl3 lbPsf] k|ltlglw -k|f]S;L_ ab/ u/]sf] a]xf]/f :ki6 pNn]v u/L 5'§}lgj]bg lbO{ csf]{ z]o/wgLnfO{ k|ltlglw -k|f]S;L_ lgo'Qm u/]df To:tf] k|ltlglw k|f]S;L_ n] ;efdf efu lng / dtbfgug{ kfpg]5 . o:tf] cj:yfdf cl3Nnf] k|ltlglw -k|f]S;L_ :jtM ab/ ePsf] dflgg] 5 .

-%_ k|ltlglw d's// ubf{ ;Dk"0f{ z]o/sf] k|ltlglw Ps} JolQmnfO{ cfwf jf c¿ s'g} lsl;daf6 5'§ØfP/ lbPdf pQmk|f]S;LnfO{ dfGotf lbOg]5}g .

-^_ gfafns jf dfgl;s ;Gt'ng 7Ls gePsf] z]o/wgLsf] tkm{af6 a}+ssf] z]o/ nut lstfadf ;+/Ifssf] ¿kdf gfdbtf{ ePsf] JolQmn] ;efdf efu lng jf dtbfg ug{ jf k|ltlglw tf]Sg ;Sg'x'g]5 .

-&_ 5nkmnsf] ljifocGtu{t ljljw zLif{ssf] ;DaGwdf z]o/wgL dxfg'efjx¿n] s'g} ljifopk/ 5nkmn ug{ rfxg'ePdf;f] ljifoaf/] ;ef x'g'eGbf -&_ ;ft lbg cufj} sDkgL ;lrjdfkm{t o; a}+ssf k|d'v sfo{sf/L clws[tnfO{ lnlvthfgsf/L lbg'kg]{5 .

-*_ z]o/wgL dxfg'efjx¿af6 p7]sf] k|Zg, lh1f;f jf dGtJox¿sf] ;DaGwdf ;+rfns ;ldltsf] tkm{af6 cWoIf jfcWoIfaf6 cg'dlt k|fKt JolQmn] hjfkm lbg'x'g]5 .

-(_ ;efdf efu lng OR5's z]o/wgL dxfg'efjn] JolQmut k7fOPsf] ;"rgf;fy ;+nUg k|j]z kqsf ;fy} z]o/k|df0fkq / cfˆgf] kl/ro v'Ng] k|df0f -h:t} gful/stf k|df0fkq jf cGo s'g} kl/rokq_ clgjfo{ ¿kdf ;fydflnO{ cfpg'x'g cg'/f]w 5 . cGoyf ;efsIfdf k|j]z ug{ kfOg]5}g .

-!)_ ;efdf efu lng] k|To]s z]o/wgL dxfg'efjn] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /x]sf] xflh/L k'l:tsfdf b:tvtug'{kg]{5 .

-!!_ ;'/Iffsf] b[li6sf]0fn] z]o/wgL dxfg'efjx¿ ;ef:yn cfpFbf emf]nf, Aofu h:tf j:t'x¿ glnO{ cfpg'x'gcg'/f]w ul/G5 . cfjZos b]v]df ;'/IffsdL{n] ;'/Iff hfFr ug{;Sg] x'Fbf ;f] sfo{df ;xof]u ul/lbg'x'g;d]tcg'/f]w ul/G5 .

Page 5: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

5jflif{s k|ltj]bg @)^#÷^$

;fwf/0f ;efdf dtbfg ug{ cfˆgf] k|ltlglw lgo'Qm ug]{ lgj]bg

-k|f]S;L kmf/fd_

>L ;+rfns ;ldltl;4fy{ a}+s lnld6]8sdnfbL, sf7df8f}+ .

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

dxfzo,

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

d÷xfdL==========================================================================================================================================================n]

To; a}+ssf] z]o/wgLsf] x}l;otn] ldlt @)^$ ;fn dª\l;/ !( ut] a'waf/sf lbg x'g] 5}6f}F+ jflif{s ;fwf/0f ;efdf

:jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf efu lng tyf dtbfg ug{sf nflu

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

To; sDkgLsf z]o/wgL >L=================================================================================================================================

z]o/wgL k|df0f–kq g+=================== nfO{ d]/f]÷xfd|f] k|ltlglw dgf]gLt u/L k7fPsf] 5'÷5f}F .

lgj]bs

b:tvt M

gfd M

7]ufgf M

z]o/wgL kl/ro g+= M

z]o/ k|df0fkq g+= M

ls=g+= M===================================b]lv M ===========================

z]o/ ;+Vof M

ldlt M

b|i6Ao M of] lgj]bg ;fwf/0f ;ef x'g'eGbf sDtLdf $* 306fcufj} o; a}+ssf] s]Gb|Lo sfof{no sdnfbL sf7df8f}Fdf k]; ul/;Sg'kg]{5 .

k|j]z kq

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

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

l;4fy{ a}+s lnld6]8sf] 5}6f}F jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z kq

========================================================================================================================z]o/wgLsf] x:tfIf/ sDkgL ;lrj

-;efdf efu lng cfpFbf of] k|j]zkqdf gfd, b:tvt, z]o/sf] k|=k=g+= tyf s'n z]o/ ;+Vof pNn]v u/L ;fy} lnO{ cfpg' clgjfo{ 5 ._

Page 6: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

6 jflif{s k|ltj]bg @)^#÷^$

Page 7: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

7jflif{s k|ltj]bg @)^#÷^$

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;+rfns ;ldltsf] k|ltj]bg

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n]vfk/LIfssf] k|ltj]bg

!^

jf;nft

!&

gfkmf–gf]S;fg lx;fa

!*

gfkmf–gf]S;fg afF8kmfF8 lx;fa

!(

OlSj6Ldf ePsf] kl/jt{g;DaGwL ljj/0f

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gub k|jfx ljj/0f

@!

cg';"\rLx¿

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Page 8: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

8 jflif{s k|ltj]bg @)^#÷^$

;+rfns ;ldltsf] k|ltj]bgcfly{s jif{ @)^#÷^$

cfb/0fLo z]o/wgL dxfg'efjx¿l;4fy{ a}+ssf] 5}6fF}F jflif{s ;fwf/0f ;efdf ;+rfns ;ldlt tyf d]/f] JolQmut tkm{af6 pkl:yt z]o/wgL dxfg'efjx¿nfO{xflb{s :jfut clejfbg ug{ rfxG5' . cfly{s jif{ @)^#÷^$ sf] a}+ssf] jflif{s k|ltj]bg / ;dLIff jif{df a}+sn] xf;Lnu/]sf pknlJwx¿sf] ;+lIfKt ljj/0f o; ;ef;dIf /fVg kfpFbf dnfO{ v';L nfu]sf] 5 .

a}+ssf] cf=j= @)^#÷^$ sf] jf;nft, gfkmf–gf]S;fg lx;fa, gub k|jfx ljj/0f Pj+ ;f] pk/ n]vfk/LIfssf] k|ltj]bg;lxtsf] jflif{s k|ltj]bg oxfFx¿;dIf k]z ug'{ cufl8 ;dLIff cjlwsf] ;dli6ut cfly{s ;"rsf+Íx¿ ;lxt b]zsf]ljBdfg cfly{s cj:yfnfO{ ;+lIfKtdf k|:t't ug{ rfxG5' .

;dli6ut cfly{s ultljlw;dLIff jif{df ljZj cy{tGqdf pNn]vgLo cfly{s k|ult eO{ s'n u|fx{:y pTkfbgdf %=$Ü n] pRr j[l4b/ xfl;n ePsf]5 . cGt/f{li6«o d'b|f sf]ifn] ;g\ @))^ df o'/f]lkog b]zx¿df @=#Ü rLgdf !)=&Ü / cGo gj ljsl;t b]zx¿df &=%Ün] s'n u|fx{:y pTkfbg sfod /xg] cg'dfg u/]sf] lyof] eg] ;g\ @))& df ljZj u|fx{:y pTkfbg $=(Ü df emg]{ cg'dfgu/]sf] 5 . cd]l/sL cy{tGqsf] ljsf;df cfPsf] sdLn] ubf{ ljZj cy{tGqsf] s'n u|fx{:y pTkfbgdf sdL cfpg] cg'dfgul/Psf] xf] .

xfd|f b'O{ l5d]sL b]zx¿ ef/t / rLgn] ;dLIff jif{df cfˆgf] u|fx{:y pTkfbgdf qmdzM (=@Ü / !)=&Ü n] pT;fxhgsj[l4b/ xfl;n u/] / rfn" jif{df klg of] qmd oyfjt\ /xg] cg'dfg ul/Psf] 5 .

xfdL ;a}nfO{ cjut ePs} s'/f xf], ljZj cy{tGq / To;df klg xfd|f lgs6td l5d]sLx¿n] pNn]vgLo cfly{s k|ultul//x]sf] eP tfklg g]kfnsf] cy{ Joj:yfdf ljut % jif{df s'g} ;'wf/sf] ;+s]t b]vf kg{ ;s]sf] 5}g . ut jif{ s'n u|fx{:ypTkfbgsf] j[l4 b/ @=*Ü /x]sf]df, ;dLIff jif{df s[lif If]qsf] pTkfbgdf )=&Ü n] / u}/ s[lif If]qsf] pTkfbgdf #=^Ün] j[l4 x'g uO{ s'n u|fx{:y pTkfbgsf] j[l4 b/ @=%Ü df ;Lldt x'g k'Uof] . o;/L s'n u|fx{:y pTkfbgdf cfPsf] x|f;d'Votof s[lif pTkfbgdf ePsf] sdLn] ubf{ g} ePsf] xf] . b]zdf ljBdfg /fhg}lts d'2fx¿ g} /fli6«o k|fyldstfdfk/]sf] x'Fbf cfly{s ljsf;sf s'/fx¿ cf]em]ndf kg{'sf ;fy} zflGt ;'/Iffsf] l:yltdf ;d]t ck]lIft ;'wf/ cfpg ;s]g .o;}u/L cf}Bf]lus If]qdf klg ljleGg jfwf Jofjwfgx¿ b]vf kl/ g} /x] . h;sf] kmn:j¿k pko'Qm cf}Bf]lusjftfj/0fsf] cefjsf sf/0f ;dLIff cjlwdf cf}Bf]lus ls|ofsnfkdf ck]lIft ;'wf/ x'g ;s]g eg] k]6«f]lnod kbfy{sf]cfk"lt{df clgoldttf, ljB't\sf] cefj Pj+ ;'Svf df};d g} Go"g cfly{s j[l4sf yk k|d'v sf/0fx¿ /xg k'u] .

j}b]lzs Jofkf/ tyf zf]wfGt/ l:yltut jif{sf] @=^Ü sf] lgof{t j[l4 b/sf] t'ngfdf ;dLIff jif{df s]jn )=(Ü sf] lemgf] b/n] j[l4 eO{ b]zsf] s'n lgof{t?= ^) ca{ *) s/f]8 k'u]sf] 5 . ;dLIff jif{df b]zdf ljBdfg zflGt ;'/Iff sf] l:ylt, ljB't\ cfk"lt{sf] ckof{Kttf,nuftf/sf] g]kfn aGb Pj+ x8tfn tyf cd]l/sL 8n/;Fu g]kfnL ?k}ofFsf] nuftf/sf] clwd"Nog g} lgof{tsf] C0ffTdsj[l4sf k|d'v sf/0fx¿ /x] .

Page 9: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

9jflif{s k|ltj]bg @)^#÷^$

ut jif{ !^=#Ü n] cfoft j[l4 ePsf]df ;dLIff jif{df !)=#Ü n] j[l4 eO{ s'n cfoft ?=!(! ca{ &) s/f]8 k'Uof] . o;aif{ ef/taf6 tyf t];|f] d'n'saf6 x'g] cfoftdf qmdzM (=(Ü / !!Ü n] j[l4 eof], h'g ut jif{ qmdz @)=*Ü / (=^Ülyof] .

lgof{teGbf cfoftdf ePsf] j[l4 b/sf] sf/0fn] ubf{, ;dLIff jif{df Jofkf/ 3f6f !%=#Ü n] j9\g uO{ s'n Jofkf/ 3f6fsl/a ?=!#! ca{ k'u]sf] 5 eg] s'n u|fx:y{ pTkfbgdf Jofkf/ 3f6fsf] lx:;f !&=%Ü /xg uPsf] 5 .

o; jif{ ljb]zdf a;f]af; ug]{ g]kfnLn] k7fpg] s'n ljk|]if0fdf ;fdfGo k|ult eO{ ut jif{sf] ?= (* ca{sf] t'ngfdf;dLIff cjlwdf ?= !)@ ca{ k'Ug] cg'dfg ul/Psf] 5 . t/ ljk|]if0fsf] j[l4b/ ut jif{sf] $(Ü sf] t'ngfdf o; jif{ s]jn@=%Ü dfq /xg uof] . ;dLIff jif{df rfn" vftfdf s'n ;f]wgffGt/ jrt ?= # ca{ %) s/f]8 / k'FhLut vftfdf?= @ ca{ #* s/f]8 jrt eO{ s'n zf]wgffGt/ jrt ?= % ca{ ** s/f]8 ePsf] 5 . o;}u/L s'n j}b]lzs d'b|f ;l~rlt?= !^% ca{ k'u]sf] 5, h'g !! dlxgfsf] j:t' cfoft / ( dlxgfsf] j:t' tyf ;]jf cffoft wfGg kof{Kt /x]sf] 5 .

ljlgdo b/÷Jofhb/cl3Nnf] jif{df %=!Ü n] cjd"Nog ePsf] cd]l/sL 8n/;Fu g]kfnL ?k}ofF o; jif{ !$=#Ü n] clwd"Nog eof] .

;dLIff jif{df cNksflng Jofhb/df vf;} kl/jt{g ePg . a}+lsË If]qdf /x]sf] clws t/ntfn] ubf{ (! lbg] 6«]h/L ljN;sf]cf};t Jofhb/ !=*%Ü b]lv #Ü ;Ddsf] xf/fxf/Ldf /x\of] h'g ut jif{ @ b]lv #=&Ü ;Ddsf] xf/fxf/Ldf lyof] . o;}u/L, cNksflng cGt/a}+s Jofhb/ klg !=$Ü b]lv #=#%Ü sf] xf/fxf/Ldf /xg uof] . a9L t/ntfsf] l:ylt, ;LldtnufgLsf cj;/x¿, Pj+ a}+s tyf ljQLo ;+:yfx¿sf] ;+Vofdf eO/x]sf] j[l4sf] sf/0faf6 shf{sf] Jofhb/ o; jif{ klg36\bf] qmdd} /Xof] .

df}lb|s l:yltut jif{ !%=^Ü n] a9]sf] lj:t[t d'b|f ;dLIff jif{df !$Ü n] j9\g uof] eg] ;f]xL cjlwdf !@=!Ü n] a9]sf] ;+s'lrt d'b|f;dLIff jif{df !$=@Ü n] a9\g uof] . cfjlws lgIf]kdf ut jif{sf] !^=$Ü sf] j[l4sf] t'ngfdf ;dLIff jif{df !$=(Ü n]j[l4 ePsf] 5 . ljk|]if0fsf] cfodf sd b/n] j[l4 tyf a}+sx¿sf] sd Jofhb/sf] sf/0f cfjlws lgIf]ksf] j[l4df sdLePsf] xf] .

ut jif{ !!=&Ü n] a9]sf] cfGtl/s shf{ ;dLIff cjlwdf !^=&Ü n] j9\g uPsf] 5 . s'n cfGtl/s shf{ dWo] lghL If]qdfk|jfx ePsf] shf{ ut cf=j sf] !$=$Ü sf] j[l4sf] t'ngfdf ;dLIff jif{df !*=(Ü n] j[l4 x'g uof] . ;dLIff jif{df ;':tcfly{s ultljlwsf] afah'b klg a}+s tyf ljQLo ;+:yfx¿n] ;]jf, Jofkf/, pBf]u, lgdf{0fsf If]qx¿, pkef]Qmf tyf v'b|fJoj;flos If]qx¿df shf{ k|jfxnfO{ a9fpFb} nu]sf 5g\ .

d"No j[l4ut jif{ *=#Ü /x]sf] cf}ift d"No j[l4 cf=j @)^#÷^$ df %=!Ü df g} ;Lldt /xof] . t/ yf]s d'No j[l4 eg] ljutb'O{ jif{b]lv (Ü df g} /x]sf] 5 . s[lif If]qsf] pTkfbg tyf cfGtl/s pTkfbgsf j:t'x¿sf] d"Nodf ePsf] j[l4 Pj+ ;g\@))^ sf] dfr{ dlxgfdf k]6«f]lnod kbfy{df ePsf] d"No j[l4 g} yf]sdf pRr d'No j[l4 /lx/xg'sf] d'Vo sf/0f xf] . t/cd]l/sL 8n/;Fu g]kfnL ?k}ofFsf] clwd'Nog ePsf] sf/0fn] cf};t d"No j[l4df eg] ut jif{sf] t'ngfdf sdL cfPsf]kfOG5 .

Page 10: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

10 jflif{s k|ltj]bg @)^#÷^$

@)^# cfiff9 @)^$ cfiff9 j[l4d;fGt;Dd d;fGt;Dd -k|ltzt_

s'n h]yf ^)# &($ #@lgIf]k #,(!* ^,^@% ^(s'n shf{ tyf ;fk6 #,*^( ^,#@) ^#nufgL &%! !,)(% $^Jofh cfDbfgL #)^ $*@ %*Jofh vr{ !%$ @&@ &&v'b Jofh cfDbfgL !%@ @!) #*cGo cfDbfgL #^ %# %)cGo vr{ &) *( @&gf]S;fgL Joj:yf, af]g; tyf s/ cl3sf] gfkmf !!& !&$ $*s/kl5sf] v'b gfkmf -gf]S;fg_ ^% (% $^

¿= b; nfvdf

;/sf/L ljQl:yltcl3Nnf] jif{sf] #=!Ü sf] clt Go"g /fh:j j[l4b/sf] t'ngfdf ;dLIff jif{df @)=(Ü sf] pT;fxhgs b/n] s'n /fhZjdfj[l4 x'g uof] . s'n /fhZjdf sl/j #)=$Ü of]ubfg /x]sf] d"No clej[l4 s/df ut jif{sf] eGbf @!=!Ü j[l4 eof] eg]eG;f/ / cfos/tkm{sf] /fhZj cfDbfgLdf s|dzM (Ü / $$=$Ü n] j[l4 ePsf] 5 .

ut jif{sf] t'ngfdf o; jif{sf] ;/sf/L vr{ @#=$Ü n] j[l4 ePsf] 5, h;df ;fwf/0f vr{ tkm{ !$=*Ü / k'FhLut vr{tkm{%*=#Ü n] j[l4 ePsf] 5 . jif{sf] cGTodf :yfgLo lgsfonfO{ ljsf; lgdf{0fsf] nflu pknJw u/fOPsf] /sd tyf g]kfncfon lgudnfO{ k|jfx ul/Psf] 7"nf] C0f /sdsf] kmn:j¿k k'FhLut vr{df j[l4 x'g uPsf] xf] .

;dLIff jif{df a}+ssf] sf/f]jf/sf] l;+xfjnf]sgdfly pNn]v ul/Psf b]zsf] ;du| cfly{s ;"rsfÍx¿ dWo] sltko ;"rsfÍx¿ gsf/fTds x'FbfxF'b} klg ;dLIff jif{dfxfd|f] l;4fy{ a}+sn] pNn]vgLo k|ult u/]sf] tYox¿ oxfFx¿;dIf k|:t't ug{ kfpFbf d Hofb} xlif{t 5' . d'n'ssf] ljifdkl/l:yltsf afah'b a}+sn] Jofkf/sf ;a} k|d'v If]qx¿df pNn]vgLo j[l4 xfl;n ug{ ;Ifd /x\of], h'g xfd|f nflu v';Lsf]s'/f xf] .

ut / ;dLIff jif{df a}+sn] xfl;n u/]sf t'ngfTds Jofj;flos ;kmntfx¿nfO{ ;+If]kdf tn pNn]v ul/Psf] 5M

a}+ssf] s'n lgIf]k / shf{ tyf ;fk6sf] ;di6Lut sf/f]af/df ;dLIff jif{df ^^Ü n] j[l4 eO{ sl/a ?= * ca{af6 ?= !#ca{ k'Ug ;kmn ePsf] 5 . o;}u/L lgIf]ktkm{ ^(Ü n] j[l4 eO{ ?= # ca{ (! s/f]8af6 ?= ^ ca{ ^@ s/f]8 k'u]sf] 5 . shf{tyf ;fk6tkm{ ^#Ü n] j[l4 eO{ ?= # ca{ *^ s/f]8af6 ?= ^ ca{ #@ s/f]8df k'Ug ;kmn ePsf] 5 .

Page 11: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

11jflif{s k|ltj]bg @)^#÷^$

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nufgLtkm{ ut jif{sf] t'ngfdf ;dLIff jif{df $^Ü n] j[l4 eO{ ?= ! ca{ ( s/f]8 k'u]sf] 5 . b]zdf a9\bf] aLdf Joj;fo–k|ltsf] cfsif{0fnfO{ dWogh/ /fvL xfdLn] l;4fy{ OG:of]/]G; sDkgL lnld6]8sf] ;fwf/0f z]o/wgLsf] ¿kdf ! nfv %)xhf/ lsQf ;fwf/0f z]o/df nufgL u/]sf 5f}+F . pQm sDkgLn] ;j{;fwf/0fsf] nflu ;fwf/0f z]o/df nufgL ug{ cfXjfgul/;s]sf] 5 eg] lgs6 eljiodf g} pQm z]o/ g]kfn :6s PS;r]Ghdf ;"rLs[t x'g] ck]Iff ul/Psf] 5 .

z]o/wgLx¿sf] sf]ifa}+ssf] a9\bf] Joj;fonfO{ lg/Gt/tf lbg cfjZos k'FhL kof{Kttfsf] nflu ;dLIff jif{df ?= !) s/f]8 a/fa/sf] xsk|bz]o/ hf/L ul/Psf] lyof] . kmn:j¿k ut cfiff9 d;fGtdf a}+ssf] r'Qmf k'FhL ?= ^) s/f]8 k'u]sf] 5 . o;} u/L a}+ssf]hu]8f sf]ifdf *&Ü n] j[l4 ePsf] 5 eg] s'n h]yf ut jif{sf] t'ngfdf ?= !( s/f]8n] j[l4 eO{ ?=&(

s/f]8 $) nfv k'Ug ;kmn ePsf] 5 . a}+ssf] k'FhLsf]ifsf] kof{Kttfsf] cg'kft k|fylds k'FhLsf] !)=&*Ü / s'n k'FhLsf]!!=*$Ü /x]sf] 5 h'g g]kfn /fi6« a}+sn] o; jif{sf] nflu lgwf{/0f u/]sf] Joj:yf -k|fylds k'FhLsf] %=%Ü / s'n k'FhLsf]!!Ü_ eGbf a9L 5 .

g]kfn /fi6« a}+ssf] k'FhL j[l4;DaGwL gofF gLltcg';f/ a}+sn] k|To]s jif{ r'Qmf k'FhL j[l4 ub}{ lj=;+= @)&) cfiff9 d;fGtleq a}+ssf] r'Qmf k'FhL ?= ! ca{ ^) s/f]8 k'¥ofpg'kg]{ Joj:yfcg';f/ o; cl3 Joj:yf ul/Psf] k'FhL ;dfof]hg sf]if

Page 12: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

12 jflif{s k|ltj]bg @)^#÷^$

;d]tnfO{ pkof]u u/L z]o/wgL dxfg'efjx¿nfO{ !%Ü sf b/n] cyf{t\ @) lsQf z]o/ jfkt # lsQf a/fa/ jf]gz z]o/hf/L u/L ?= ( s/f]8n] r'Qmf k'FhL j[l4 ug]{ k|:tfj ul/Psf] 5 . ttkZrft rfn" cfly{s jif{ leq} @)Ü sf b/n] cyf{t\@) lsQf z]o/ jfkt $ lsQfsf b/n] !# s/f]8 *) nfv a/fa/ xsk|b z]o/;d]t hf/L u/L a}+ssf] s'n r'Qmf k'FhL?= *@ s/f]8 *) nfv k'¥ofpg] k|:tfj u/]sf] 5' .

k|lt z]o/ cfDbfgLk|lt z]o/ cfDbfgL ut jif{sf] ?= !#=)% af6 yk ;'wf/ eO{?= !%=** sfod ePsf] 5 .

z]o/sf] ahf/ d"Nout jif{em}F ;dLIff jif{df klg a}+ssf] k|lt z]o/ ahf/ d"Nonuftf/ j[l4 eO/x]sf] kl/k|]Ifdf cfb/0fLo nufgLstf{dxfg'efjx¿n] o; a}+sk|lt b]vfpg'ePsf] ljZjf; Pj+;b\efjk|lt d wGojfb JoQm ub{5' . ;fy} cfufdL lbgx¿dfklg a} +sn] ;Gtf]ifhgs k|ult ug] {5 eGg] z]o/wgLdxfg'efjx¿df ljZjf; lbnfpg rfxG5' .

Aofh cfDbfgLut jif{eGbf a}+ssf] Jofh cfDbfgLdf %*Ü n] j[l4 eO{ ?= #) s/f]8 %% nfvaf6 ?= $* s/f]8 !( nfv k'u]sf] 5 .

cGo cfDbfgLcGo cfDbfgLtkm{ ut jif{sf] t'ngfdf %)Ü n] j[l4 eO{ ?= # s/f]8 ^) nfvaf6 ?= % s/f]8 #) nfv k'u]sf] 5 .

s'n cfDbfgLa}+ssf] s'n cfDbfgLdf %^Ü n] j[l4 eO{ ?= #$ s/f]8 @) nfvaf6 ?= %# s/f]8 %) nfv k'u]sf] 5 .

v'b Aofh cfDbfgLv'b Aofh cfDbfgL #*Ü n] j[l4 eO{ ?= !% s/f]8 !( nfvaf6 ?= @! s/f]8 k'u]sf] 5 .

gf]S;fgL Joj:yf cl3sf] ;+rfng gfkmf;dLIff jif{df a}+ssf] ;+rfng d'gfkmfdf $*Ü n] j[l4 eO{?= !& s/f]8 #^ nfv k'u]sf] 5 . lg/Gt/ shf{ tyf ;fk6LdflnOg] Aofh b/df cfO/x]sf] sdL Pj+ pko'Qm Joj;flosjftfj/0fsf] cefjsf afah'b klg a}+s cfˆgf] d'gfkmfdfpNn]vgLo j[l4 ug{ ;kmn ePsf] 5 .

v'b d'gfkmfut jif{sf] v'b d'gfkmf ?= ^ s/f]8 %@ nfvdf $^Ü n] j[l4xfl;n u/L ;dLIff jif{df ?= ( s/f]8 %# nfv cfh{g ug{a}+s ;kmn ePsf] 5 .

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Page 13: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

13jflif{s k|ltj]bg @)^#÷^$

;DklQsf] u'0f:t/a}+sn] cfˆgf] :yfkgfsfnb]lv g} shf{sf] u'0f:t/ sfod/fVg shf{ Joj:yfkgsf ljljw /0fgLltx¿ cjnDag ub}{cfO/x]sf] 5 . kmn:j¿k ;dLIff jif{df a}+ssf] s'n shf{dflgliqmo shf{sf] cg'kft ut jif{sf] )=*&Ü af6 yk ;'wf/eO{ )=#$Ü df ;Lldt ePsf] 5 . o;}u/L, a}+sn] eljiodfcfOkg{;Sg] ;DefJo gf]S;fgLsf] nflu kof{Kt gf]S;fgL Joj:yfsf]if sfod u/]sf] 5 / o:tf] gf]S;fgL Joj:yf sf]if lgliqmo;DklQsf] $%!Ü n] al9 /x]sf] 5 .

shf{sf] cf}ift Aofhb/;dLIff jif{df shf{sf] cf};t Aofhb/ ut jif{sf] *=*)Ü af6 36L *=!#Ü sfod /x\of] . a}+lsË If]qdf /x]sf] clwst/ntfsf] l:ylt, cf}Bf]lus jftfj/0fdf ljBdfg cl:y/tf / gofF gofF a}+s tyf ljQLo ;+:yfx¿sf] cfudg g} o;sf]k|d'v sf/0f /xg uof] .

lgIf]ksf] nfut;dLIff jif{df a}+sn] lgIf]k Joj:yfkgsf] If]qdf ckgfPsf ljljw /0fgLlts k|of;sf] kmn:j¿k lgIf]k ;+/rgfdf ;d]t;'wf/ eO{ lgIf]ksf] nfut ut jif{sf] $=&#Ü af6 $=%^Ü df 36fpg a}+s ;kmn ePsf] 5 eg] cfpbf] jif{ o;df cema9L ;'wf/ x'g] ck]Iff ul/Psf] 5 .

zfvf lj:tf/a}+ssf] qmlds ¿kdf zfvf lj:tf/ ub}{ hfg] of]hgf cg'¿k cf= j= @)^@÷)^# kl5 qmdzM kf]v/f, lqk'/]Zj/ / bdsdfzfvf lj:tf/ eO;s]sf] 5 / rfn" cf=j= df gf/fo0fu9, nlntk'/ nufot cGo ;Defljt 7fpFx¿df zfvf lj:tf/ ug]{of]hgf /x]sf] 5 . o;af6 a}+sn] cfˆgf] Joj;flos ;~hfn lj:tf/ u/L demf}nf tyf ;fgf Joj;foLx¿ aLr sfo{If]qlj:tf/ ug{ ;xof]u k'Ug] ck]Iff lnPsf] 5 .

yk a}+lsª ;]jf tyf ;'ljwfx¿u|fxsx¿sf] lbgfg'lbg a9\bf] cfw'lgstd a}+lsª ;]jf tyf ;'ljwfsf] rfxfgfnfO{ kl/k"lt{ ub}{ hfg] s|ddf a}+sn] ;dLIffjif{df l;4fy{ cfO{ sg]S6 OG6/g]6 a}+lsË ;]jf ;'? u/]sf] 5 . o; ;]jfcGtu{t u|fxsx¿n] OG6/g]6dfkm{t cfˆgf] vftfdf/x]sf] gub df}Hbftsf] hfgsf/L lng, cGt/ vftf /sdfGt/ ug{ Pj+ r]s a's, 8«fˆ6 cflbsf] nflu cg'/f]wnufotsfljljw ;'ljwfsf] pkef]u ug{ ;Sg] Joj:yf ul/Psf] 5 . To;} u/L a}+sn] ljk|]if0f ;]jfsf] nflu l;4fy{ /]ld6 ;]jf l;3|z'ef/De ug]{ ePsf] 5 . o; ;]jfsf] z'ef/DekZrft\ ljZjsf ljleGg e"efudf /x]sf g]kfnLx¿n] ;xh ¿kdf :jb]zdf/sd k7fpg ;Sg] Joj:yf ldnfOPsf] 5 . To;}u/L sf7df8f}Fsf] gofF ;8s / k'/fgf] afg]Zj/df yk Pl6Pd ;]jf lj:tf/ul/Psf] 5 eg] eljiodf klg u|fxsx¿sf] cfjZostfx¿ klxrfg ub}{ cGo ;]jf tyf ;'ljwfx¿ lj:tf/ ub}{ hfg] of]hgfagfPsf] 5 .

;"rgf k|ljlwljZjJofkLs/0fsf] cfhsf] o'udf ;"rgf k|ljlwsf] dxTjk"0f{ of]ubfg /xg] xF'bf o;nfO{ ;do ;fk]If ;'wf/ Pj+ kl/dfh{gug'{ clt cfjZos 5 . ;+rfng k|ljlwsf] ljsf;sf ;fy} u|fxsju{sf] rfxgfnfO{ kl/k'tL{ ug{ ;"rgf k|ljlwsf] pNn]vgLoe"ldsfnfO{ dWogh/ /fvL a}+sn] ;"rgf k|ljlwdf ;do;fk]If cfjZos ;+zf]wg / kl/dfh{g ub}{ a}+sn] k|ljlwd"ns;]jfx¿sf] ljsf; tyf lj:tf/df hf]8 lbFb} cfPsf] 5 .

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Page 14: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

14 jflif{s k|ltj]bg @)^#÷^$

dfgj ;+;fwgbIfhgzlQm g} s'g} klg ;kmn ;+:yfsf] dxTjk"0f{ s8L xf] eGg] s'/fnfO{ x[boª\ud u/L a}+sn] cfˆgf sd{rf/Lx¿sf sfo{bIftf j[l4sf nflu cfjZos tflndx¿sf] Joj:yf ub}{ cfPsf] 5 . o; cf=j= df cfGtl/s / afXo u/L sl/j ^) cf]6fljleGg k|sf/sf ;Lkd"ns tflndx¿Dffkm{t\ xfd|f sd{rf/Lx¿ k|lzlIft ePsf 5g\ eg] o; k|sf/sf j[lt ljsf;sfsfo{qmdx¿nfO{ cfpFbf] jif{ klg lg/Gt/tf lbOg]5 . To:t}, ;do ;fk]If¿kdf sd{rf/Lx¿sf] a9'jf tyf cGo ;'ljwfx¿dfj[l4 u/L pRr dgf]jnsf ;fy sfo{ ug]{ jftfj/0f l;h{gf ug]{tkm{ a}+s ;b}j lqmofzLn /xg] 5 .

a}+ssf] jt{dfg ljlQo l:ytLrfn" cfly{s jif{ @)^$÷^% sf] k|yd q}dfl;sdf a}+ssf] ljQLo cj:yf lgDg cg';f/ /x]sf] 5 M

@)^# cflZjg d;fGt;Dd @)^$ cflZjg d;fGt;Dd j[l4-Ü_

s'n h]yf ^!*=! *@&=@ #$

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nufgL -dfu / cNk;"rgfdf k|fKt x'g] /sd_ !,%@)=% !,@)*=! -@!_

;+rfng gfkmf @@=( ^!=$ !^*

;+rfng gfkmf -gf]S;fgL Aoj:yfk5fl8_ @$ %#=& !@$

-¿= b; nfvdf_

lg/Gt/¿kdf a}+s tyf ljlQo ;+:yfx¿sf] ;+Vofdf eO/x]sf] j[l4sf] kmn:j¿k a9\b} uPsf] k|ltikwf{n] Aofh Pj+ ;]jfz'Nsx¿ qmdzM 36\b} uO/x]sf] jt{dfg kl/l:yltdf l;4fy{ a}+sn] k|yd q}dflzsdf u/]sf] ljQLo k|ult ;Gtf]ifk|b g}/x]sf] 5 .

;+:yfut ;'zf;gc;n Pj+ kf/bzL{ ¿kdf x'g] sfo{k|0ffnL g} ;+:yfut ;'zf;gsf] dxTjk"0f{ s8L xf] eGg] s'/fnfO{ a}+ssf] /0fgLltsf] ¿kdfxfdLn] cfTd;ft\ u/]sf 5f}F / o;}cg'¿k cfˆgf ;Dk"0f{ sfo{k|0ffnLdf df}h'bf gLlt lgod, tyf lgb]{zgx¿sf] kl/kfngfnfO{k"0f{ k|fyldstfsf ;fy sfof{Gjog ul//x]sf 5f}F .

;+:yfut ;fdflhs pQ/bfloTjxfdLn] a}+snfO{ :yfkgf sfnb]lv g} ;dfhsf] Ps cleGg c+usf] ¿kdf :yflkt ub}{ ljljw ;fdflhs lqmofsnfkx¿df;lqmo ;xeflu u/fpFb} cfPsf 5f}F . ;dLIff jif{df uPsf] ljs/fn af9Lsf] sf/0faf6 k|ToIf ¿kdf k|efljt ;d'bfonfO{tTsfn ;xof]u k'¥ofpg gub /fxt ;xof]u pknJw u/fPsf lyof}F eg] cGo skf]{/]6 Pj+ ;fdflhs ;+3–;+:yfx¿n];+rfng u/]sf ;fdflhs sfo{qmdx¿df ;d]t a}+s ;xefuL xF'b} cfPsf] 5 .

cf}Bf]lus tyf Jofj;flos ;DaGwo; a}+sn] cfˆgf] :yfkgfsfnb]lv g} sd{rf/Lx¿ nufot cfkm";Fu ;DaGw ;a} kIfx¿ aLrdf xflb{stf / kf/:kfl/s;b\efj ljsl;t ub}{ ;f}xfb{k"0f{ Joj;flos ;DaGw sfod /fVb} cfPsf] 5 . a}+sn] cfˆgf] a}+lsË sf/f]jf/x¿ kf/blz{tfsf;fy Joj;flostfsf cfwf/df ub}{ cfPsf] 5 eg] ;xeflutfd"ns Joj:yfkg k4lt ckgfpFb} sd{rf/Lx¿nfO{ pRrdgf]ansf ;fy sfo{ ug]{ jftfj/0fsf] l;h{gf ug{ a}+s ;b}j sl6a4 5 .

Page 15: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

15jflif{s k|ltj]bg @)^#÷^$

cfGtl/s lgoGq0f k|0ffnLa}+sn] cfˆgf] Joj;fo lj:tf/;Fu} To;sf cGt{lglxt hf]lvdx¿ Go"gLs/0f ug{sf] nflu cfGtl/s lgoGq0f k|0ffnLdf klg;do;fk]If ;'wf/x¿ ub}{ cfPsf] 5 . a}+lsË Joj;fodf cGt/lglxt ljljw k|sf/sf hf]lvdx¿nfO{ Go"lgs/0f ug{cfjZos gLlt, lgodx¿ agfO To;sf] k|efjsf/L sfof{Gjog ul/Psf] 5 . cfGtl/s tyf afXo n]vfk/LIfsx¿sf]k|ltj]bgx¿ Pj+ g]kfn /fi6« a}+sn] :ynut lg/LIf0f kl5 lbPsf lgb]{zgx¿pk/ n]vfk/LIf0f ;ldltn] cWoog u/LJoj:yfkgnfO{ cfjZos lgb]{zg lbg / ;f] sf] sfof{Gjog eP gePsf] af/]df lgoldt¿kdf cg'udg ug]{ Joj:yful/Psf] 5 .

a}+ssf] sf/f]jf/df c;/ kfg]{ d'Vo s'/fx¿cfhsf] ljBdfg /fhg}lts tyf cfly{s jftfj/0fdf a}+ssf sf/f]jf/x¿nfO{ c;/ kfg{] d'Vo s'/fx¿ o;k|sf/ b]lvG5 M

b]zdf ljBdfg cl:y/ /fhg}lts cj:yfzflGt ;'/Iffsf] v:sFbf] cj:yfcf}Bf]lus If]qdf /x]sf] czflGtlzlyn cy{ Joj:yfgofF nufgLsf nflu cj;/x¿sf] sdLa}+lsË If]qdf a9\bf] k|lt:kwf{

efjL /0fgLlt tyf sfo{qmdx¿oL k|lts"n cj:yfdf klg a}+sn] cfˆgf ;j} k|sf/sf a}+lsË sf/f]jf/x¿df pNn]vgLo j[l4 ul//x]sf] jt{dfg l:yltdf rfn"cfly{s jif{sf nflu klg lgDg /0fgLlts sfo{qmdx¿ th'{df ul/Psf] 5 M

a}+ssf] s'n lgIf]k tyf shf{df clej[l4 ug]{shf{nfO{ ljljwLs/0f u/L o;df cGt/lglxt hf]lvd Go'gLs/0f ug]{pkef]Qmfd'vL shf{sf gofF ;]jfx¿ k|of]udf Nofpg]lgIf]k nfut sd ug{sf nflu pko'Qm /0fgLltx¿ th'{df u/L nfu" ug]{gf/fo0fu9, nlntk'/nufot cGo Jofj;foLs ;+efJotf ePsf 7fpFx¿df zfvf lj:tf/ ug]{ljk|]if0f;DaGwL sf/f]jf/df j[l4 ug{ blIf0f sf]l/of, dn]l;of tyf vf8L d'n'sx¿df a}+ssf] k|ltlglwx¿sf] Joj:yfug]{yk Pl6Pdx¿ :yfkgf u/L ;+rfng ug]{ .

sDkgL P]g @)^# cg'¿k cGo ljj/0fx¿ …cg';'rL sÚ df k|:t't ul/Psf] 5 .

;+rfns ;ldlt;dLIff jif{df ;+:yfks ;d"xaf6 dnufot ;+rfnsx¿ >L ;'/]z rGb| cu|jfn tyf >L tf/frGb s]l8of, ;+rfns;ldltdf k'g lgo'lQm x'g'ePsf] 5 . xfn} a}+ssf k|d'v sfo{sf/L clws[t >L 8L=;L= vGgfn] cfˆgf] sfo{sfn k"/f u/Lcjsfz lng'ePsf] x'Fbf xfnnfO{ a}+ssf dxfk|aGws >L zDe'gfy uf}tdnfO{ lgldQ k|d'v sfo{sf/L clws[tsf]lhDd]jf/L ;'lDkPsf] 5 . d k'gM lgo'lQm x'g' x'g] ;+rfnsåonfO{ xflb{s :jfut ug{ rfxG5' / cjsfz k|fKt k|d'vsfo{sf/L clws[t >L vGgfn] a}+ssf] :yfkgf Pj+ ljsf;df ug'{ePsf] of]ubfgsf] pRr d'Nof+sg ub}{ pxfFnfO{ xflb{swGojfb lbg rfxG5' .

Page 16: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

16 jflif{s k|ltj]bg @)^#÷^$

s[t1tf 1fkgcGtdf, g]kfn ;/sf/, cy{ dGqfno tyf g]kfn /fi6« a}+saf6 k|fKt dfu{ bz{g Pj+ ;xof]usf nflu wGojfb JoQm ug{rfxG5' . ;fy} a}+ssf] k|ultdf ;xof]u ug'{ x'g] cfb/0fLo u|fxsju{ Pj+ z]o/wgLdxfg'efjx¿ k|lt xflb{s s[t1tf 1fkgug{ rfxG5' . jt{dfg n]vfk/LIfs >L Pn=8L=dxtHo"n] ljut tLg jif{b]lv a}+ssf] n]vfk/LIf0fsf] qmddf lbg'ePsf] cd"No;'emfj / ;xof]u k|lt ;d]t d cfef/ JoQm ug{ rfxG5' . To;} u/L a}+snfO{ ;kmntfk"j{s ;+rfng ug{ pRr dgf]jnsf;fy cys kl/>d ul//xg'ePsf ;Dk"0f{{ sd{rf/Lju{x¿df ;d]t a}+ssf] 5}6f}F ;fwf/0f ;efsf] of] cj;/df xflb{swGojfb lbg rfxG5' .

wGojfb .

b=;+rfns ;ldltsf] tkm{af6

lr/GhLnfn cu|jfncWoIf

ldlt M @)^$÷&÷@&

Page 17: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

17jflif{s k|ltj]bg @)^#÷^$

cg';"rL -s_

!= n]vfk/LIfssf] k|ltj]bg ;DaGwdf ;+rfns ;ldltsf] l6Kk0fLn]vfk/LIfssf] k|ltj]bgdf pNn]v ul/Psf ljj/0f tyf ;'emfjx¿dfly ;+rfns ;ldltdf 5nkmn eO{ n]vf–k/LIfsn] /fVg'ePsf ;'emfjx¿nfO{ sfof{Gjog ug{ Joj:yfkgnfO{ lgb]{zg lbOPsf] 5 .

@= n]vfk/LIf0f ;ldlt-s_ ;+rfns ;ldltsf] ldlt @)^@ r}q #) df a;]sf] ^# cf}+ a}7sn] n]vfk/LIf0f ;ldltsf] u7g u/]sf] lyof], h'g

cWoflk lqmofzLn 5 . ;f] ;ldltdf @)^$ cfiff9 d;fGtdf lgDglnlvt ;b:ox¿ x'g'x'GYof] .!= >L ;'/]z rGb| cu|jfn ;+of]hs@= >L tf/f rGb s]l8of ;b:o#= >L dx]z k|;fb kf]v/]n ;b:o

-v_ ;dLIff cjlwdf lgDglnlvt ljifox¿ dfly 5nkmn ug{sf nflu n]vfk/LIf0f ;ldltsf] $ cf]6f j}7s ;DkGgePsf lyP M

cf=j= @)^#÷^$ sf] nflu n]vfk/LIf0f of]hgf / sfo{qmdx¿cf=j= @)^@÷^# sf] ljQLo ljj/0fcf=j= @)^#÷^$ sf] nflu n]vfk/LIfssf] lgo'lQmsf] l;kmfl/; ug{s]Gb|Lo tyf zfvf sfof{nox¿sf shf{ tyf ;+rfng;DaGwL n]vfk/LIf0f k|ltj]bgx¿zfvf sfof{nox¿sf k|tLtkq sf/f]jf/;DaGwL n]vfk/LIf0f k|ltj]bgx¿nufgL;DaGwL n]vfk/LIf0f k|ltj]bgg]kfn /fi6« a}+sn] k]; u/]sf] :ynut lg/LIf0f k|ltj]bgpk/ 5nkmn tyf ;dLIffk|f/lDes n]vfk/LIf0f k|ltj]bg, To;pk/ Joj:yfkgsf] hjfkm tyf @)^@÷^# sf] ljQLo ljj/0fx¿pk/5nkmn

-u_ ;dLIff cjlwdf n]vfk/LIf0f ;ldltdf /xg'ePsf ;+rfnsx¿nfO{ k|lt a}7s ?=$,))) sf b/n] a}7s eQfk|bfg ul/Psf] 5 .

#= ;dLIff cjlwdf ;+rfnsx¿ / k|d'v sfo{sf/L clws[tnfO{ e'Qmfg ul/Psf] /sdsf] ljj/0f;+rfnsx¿nfO{ a}7s eQf / b}lgs e|d0f eQfafkt e'QmfgL ePsf] ?= !),$*,*%(.–k|d'v sfo{sf/L clws[tnfO{ kfl/>lds, eQf tyf cGo ;'ljwfafkt e'QmfgL ul/Psf] ?= &%,#!,*@).–

$= nfef+zsf] ljj/0fa}+sn] ut cfly{s jif{ ;Dd s'g} nfef+z afF8kmfF8 gu/]sf]df o; cfly{s jif{ @)^#÷^$ df a}+ssf] ;+rfns ;ldltn]af]g; z]o/ tyf nfef+z ljt/0f ug{sf] nflu k|:tfj u/]sf] 5 .

%= cfly{s jif{ @)^#÷^$ df a}+sn] s'g} z]o/ hkmt u/]sf] 5}g .

^= s'g} klg ;+rfns, sfo{sf/L k|d'v, a}+ssf ;+:yfks z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg/x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] a}+snfO{ s'g} klg /sd a'emfpg afFsL 5}g .

Page 18: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

18 jflif{s k|ltj]bg @)^#÷^$

n]vfk/LIfssf] k|ltj]bg

l;4fy{ a}+s lnld6]8sf z]o/wgL dxfg'efjx¿

xfdLn] l;4fy{ a}+s lnld6]8sf] o;} ;fy ;+nUg #@ cfiff9 @)^$ -!^ h'nfO{ @))&_ sf] jf;nft, ! >fj0f @)^# b]lv #@ cfiff9@)^$ ;Ddsf] gfkmf gf]S;fg lx;fa, OlSj6Ldf ePsf] kl/jt{g;DaGwL ljj/0f / gub k|jfx ljj/0fsf] n]vfk/LIf0f u/]sf 5f}F .tL ljQLo ljj/0fx¿k|ltsf] pQ/bfloTj a}+ssf] Joj:yfkgdf /x]sf] 5 . xfd|f] pQ/bfloTj n]vfk/LIf0fsf] cfwf/df tL ljQLoljj/0fx¿pk/ /fo JoQm ug'{ xf] .

xfdLn] g]kfn n]vfk/LIf0fdfg tyf g]kfndf k|rlnt ;j{dfGo n]vfk/LIf0fdfgsf] cfwf/df n]vfk/LIf0f sfo{ ;Dkfbg u¥of} . tLdfgx¿ (Standards) cg'¿k xfdLn] ljQLo ljj/0fx¿ uxg (Material) ¿kn] unt k|bz{g (Misstatement) x'gaf6 jl~rt5g\ eGg] s'/fdf oyf]lrt 9Ën] ljZj:t x'gsf] nflu n]vfk/LIf0f of]hgf th'{df Pj+ tbg'¿k sfo{ ;Dkfbg ug'{ kb{5 .n]vfk/LIf0fcGtu{t ljQLo ljj/0fdf k|blz{t /sd Pj+ cGo ljj/0fx¿sf] k'i6\ofOF ug]{ k|df0fsf] gd'gf k/LIf0f (Test Check)ul/G5 . Joj:yfkgn] cjnDag u/]sf] n]vf l;4fGt tyf ul/Psf dxTjk"0f{ cg'dfgx¿ Pj+ ljQLo ljj/0f k|:t'ltsf] ;du| l:yltsf]d"NofÍg ug'{ klg n]vfk/LIf0fcGtu{t kb{5g\ . xfdLn] JoQm ug]{ /fosf] nflu xfd|f] n]vfk/LIf0fn] oyf]lrt cfwf/ k|bfg u/]sf]s'/fdf xfdL ljZj:t 5f}F .

xfdLn] n]vfk/LIf0fsf] l;nl;nfdf cfjZos 7fgL ;f]wgL tyf s}lkmot tna u/]sf] s'/fx¿sf] hjfkm Pj+ :ki6Ls/0f ;Gtf]ifhgskfof}F . jf;nft, gfkmf–gf]S;fg lx;fa, OlSj6Ldf ePsf] kl/jt{g;DaGwL ljj/0f tyf gub k|jfx ljj/0f g]kfn /fi6« a}+sn] tf]s]sf]9fFrf / tl/sfcg';f/ tof/ ul/Psf 5g\ / ltgLx¿ a}+sn] /fv]sf] lx;fa lstfa, axL vftf, ;|]:tf / n]vf;Fu b'?:t /x]sf 5g\ tyfa}+ssf] lx;fa lstfax¿ k|rlnt sfg'gadf]lhd 7Ls;Fu /flvPsf 5g\ .

n]vfk/LIf0fsf] l;nl;nfdf kfP;Ddsf] ;"rgf tyf :ki6Ls/0fsf] cfwf/df lgIf]kstf{ / nufgLstf{sf] lxt ;+/If0f x'g] sfo{ ePsf]kfOof] . a}+ssf] k'FhLsf]if tyf hf]lvd a]xf]g]{ sf]if kof{Kt dfqfdf ePsf], sf/f]af/ ;Gtf]ifk|b ;+rfng ePsf] tyf a}+sn] u/]sfsf/f]af/x¿ cfˆgf] clVtof/leq /x]sf] kfOof] . ;+rfns ;ldlt jf s'g} kbflwsf/Ln] sfg'gL Joj:yfx¿ ljk/Lt jf clgoldt sfo{u/]sf] jf a}+snfO{ xfgL gf]S;fgL u/]–u/fPsf] jf g]kfn /fi6« a}+ssf] lgb]{zg pNnª\3g u/]sf] xfdLn] kfPgf}F ;fy} o:tf s'/fx¿sf]af/]df a}+s Joj:yfkgaf6 ;d]t hfgsf/L x'g cfPg .

xfd|f] /fodf ljQLo ljj/0fx¿n] #@ cfiff9 @)^$ -!^ h'nfO{ @))&_ sf] cfly{s cj:yf tyf pQm cfly{s jif{sf] gfkmf / gubk|jfxsf] g]kfn n]vfdfg tyf n]vfsf] ;j{dfGo l;4fGtcg';f/ ;d'lrt tyf oyfy{ lrq0f ub{5 / pQm ljQLo ljj/0fx¿g]kfn /fi6« a}+ssf] lgb]{lzsf, a}+s tyf ljQLo ;+:yf;DaGwL P]g, @)^# tyf sDkgL P]g cg'¿k 5g\ .

Pn=8L= dxtPn=8L= dxtPn=8L= dxtPn=8L= dxtPn=8L= dxtldlt M !% c;f]h @)^$ -! cS6f]a/ @))&_ ;fem]bf/:yfg M sf7df8f}F, g]kfn ;L=P;=;L= PG8 s+=

rf6{8{ PsfpG6]G6\;

CSC & Coan assocaited firm of PricewaterhouseCoopers

CSC & CoChartered Accountants1955, Tanka Prasad Ghumti SadakBabar Mahal

PO Box : 4861, Kathamdu, NepalTel : +977-1-4259414, 4268798

Fax : +977-1-4244255

E-mail : [email protected]

Page 19: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

19jflif{s k|ltj]bg @)^#÷^$

1= z]o/ k¤'hL 4=1 60,00,00,000 50,00,00,0002= hu]*f tyf sf]ifx? 4=2 19,37,09,939 10,31,41,4553= ¥)fkq tyf aG* 4=3 — —

4= ltg{ af¤sL shf{ ;fk^ 4=4 43,00,00,000 18,11,50,0005= lgIf]k bfloTj 4=5 66,250,78,506 3,91,80,76,2176= e'QmfgL lbg'kg]{ lanx? 4=6 — —

7= k|:tfljt tyf e'QmfgL lbg aF¤sL nfef+z 47,36,842 —

8= cfos/ bfloTj 52,03,446 11,12,8209= cGo bfloTj 4=7 9,59,35,742 5,34,54,956

hDdfhDdfhDdfhDdfhDdf 7,95,46,64,4757,95,46,64,4757,95,46,64,4757,95,46,64,4757,95,46,64,475 4,75,69,35,4484,75,69,35,4484,75,69,35,4484,75,69,35,4484,75,69,35,448

;Defljt bfloTj cg';"rL 4=17 ;+rfnsx?sf] #f]if)ff cg';"rL 4=29k'¤hLsf]if tflnsf cg';"rL 4=30 hf]lvd efl/t ;DklQ ljj/)f tflnsf cg';"rL 4=30-s_k|d'v ;"rsf°x? cg';"rL 4=31 k|d'v n]vf gLltx¿ cg';"rL 4=32

n]vf;DaGwL l^Kk)fLx¿ cg';"rL 4=33

4=1 b]lv 4=17 ;Ddsf / 4=32, 4=33 cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .4=1 b]lv 4=17 ;Ddsf / 4=32, 4=33 cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .4=1 b]lv 4=17 ;Ddsf / 4=32, 4=33 cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .4=1 b]lv 4=17 ;Ddsf / 4=32, 4=33 cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .4=1 b]lv 4=17 ;Ddsf / 4=32, 4=33 cg';"rLx¿ jf;nftsf cleGg c+u x'g\ .

jf;nft-@)^$ ;fn cfiff9 d;fGt_

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

1= gub df}Hbft 4=8 13,04,42,580 6,49,77,3282= g]kfn /fi^< a}+sdf /x]sf] df}Hbft 4=9 38,05,63,747 4,88,31,3053= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 62,20,027 21,37,6734= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4=11 22,94,46,305 10,00,00,0005= nufgL 4=12 86,51,88,561 65,09,79,1706= shf{ ;fk^ tyf lan vl/b 4=13 6,22,25,86,813 3,78,91,22,6927= l:y/ ;DklQ 4=14 4,66,67,101 3,96,92,4898= u}/ a+}lsé ;DklQ 4=15 1,01,73,349 4,80,0979= cGo ;DklQ 4=16 6,33,75,992 6,07,14,694

hDdfhDdfhDdfhDdfhDdf 7,95,46,64,4757,95,46,64,4757,95,46,64,4757,95,46,64,4757,95,46,64,475 4,75,69,35,4484,75,69,35,4484,75,69,35,4484,75,69,35,4484,75,69,35,448

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

o;} ldltsf] ;+nUg k|ltj]bgcg';f/

b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{ b=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]n b=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}td b=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfk|aGws — ;+rfng jl/i& k|aGws — ;+rfng dxfk|aGws k|d'v sfo{sf/L clws[t

;+rfnsx¿

b= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfncWoIf

b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=;fem]bf/

;L=P;=;L= P)* s+=rf {̂*{ PsfpG ]̂G \̂;

b=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]n

b=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnL

Page 20: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

20 jflif{s k|ltj]bg @)^#÷^$

gfkmf–gf]S;fg lx;fa-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

1= Aofh cfDbfgL 4=18 48,15,23,807 30,55,60,8962= Aofh vr{ 4=19 27,17,10,950 15,37,08,962

v'b Aofh cfDbfgLv'b Aofh cfDbfgLv'b Aofh cfDbfgLv'b Aofh cfDbfgLv'b Aofh cfDbfgL ————— 20,98,12,85720,98,12,85720,98,12,85720,98,12,85720,98,12,857 15,18,51,93415,18,51,93415,18,51,93415,18,51,93415,18,51,9343= sld;g tyf l*:sfpG^ 4=20 2,01,77,802 1,37,74,6454= cGo ;+rfng cfDbfgL 4=21 1,86,59,095 97,01,4725= ;^xL #^a( cfDbfgL 4=22 1,42,45,653 1,20,50,770

s'n ;+rfng cfDbfgLs'n ;+rfng cfDbfgLs'n ;+rfng cfDbfgLs'n ;+rfng cfDbfgLs'n ;+rfng cfDbfgL ————— 26,28,95,40726,28,95,40726,28,95,40726,28,95,40726,28,95,407 18,73,78,82118,73,78,82118,73,78,82118,73,78,82118,73,78,8216= sd{rf/L vr{ 4=23 3,36,20,506 2,60,87,4627= cGo ;+rfng vr{ 4=24 5,57,21,156 4,41,24,5938= ;^xL #^a( gf]S;fg 4=22 — —

;Defljt gf]S;fgL Joj:yf;Defljt gf]S;fgL Joj:yf;Defljt gf]S;fgL Joj:yf;Defljt gf]S;fgL Joj:yf;Defljt gf]S;fgL Joj:yf 17,35,53,74517,35,53,74517,35,53,74517,35,53,74517,35,53,745 11,71,66,76611,71,66,76611,71,66,76611,71,66,76611,71,66,766cl#sf] ;+rfng d'gfkmfcl#sf] ;+rfng d'gfkmfcl#sf] ;+rfng d'gfkmfcl#sf] ;+rfng d'gfkmfcl#sf] ;+rfng d'gfkmf9= ;Defljt gf]S;fgL Joj:yfx? 4=25 2,05,44,230 1,64,72,805

;+rfng d'gfkmf;+rfng d'gfkmf;+rfng d'gfkmf;+rfng d'gfkmf;+rfng d'gfkmf 15,30,09,51415,30,09,51415,30,09,51415,30,09,51415,30,09,514 10,06,93,96110,06,93,96110,06,93,96110,06,93,96110,06,93,96110= u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 4=26 35,535 3,19511= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 4=27 —

lgoldt sf/f]af/af^ ePsf] d'gfkmflgoldt sf/f]af/af^ ePsf] d'gfkmflgoldt sf/f]af/af^ ePsf] d'gfkmflgoldt sf/f]af/af^ ePsf] d'gfkmflgoldt sf/f]af/af^ ePsf] d'gfkmf 15,30,45,04915,30,45,04915,30,45,04915,30,45,04915,30,45,049 10,06,97,15610,06,97,15610,06,97,15610,06,97,15610,06,97,15612= c;fdfGo sf/f]af/x¿af^ ePsf] d'gfkmf÷-vr{_ 4=28 — —

;Dk")f{ sf/f]af/ ;dfj]zkl%sf] v'b d'gfkmf;Dk")f{ sf/f]af/ ;dfj]zkl%sf] v'b d'gfkmf;Dk")f{ sf/f]af/ ;dfj]zkl%sf] v'b d'gfkmf;Dk")f{ sf/f]af/ ;dfj]zkl%sf] v'b d'gfkmf;Dk")f{ sf/f]af/ ;dfj]zkl%sf] v'b d'gfkmf 15,30,45,04915,30,45,04915,30,45,04915,30,45,04915,30,45,049 10,06,97,15610,06,97,15610,06,97,15610,06,97,15610,06,97,15613= sd{rf/L af]g; Joj:yf 1,39,13,186 91,54,28714= cfos/ Joj:yf 4,38,26,537 2,62,90,057

o; jif{sf] 4,38,26,537 2,62,90,057ut jif{;Ddsf] — —

v'b gfkmf÷-gf]S;fg_v'b gfkmf÷-gf]S;fg_v'b gfkmf÷-gf]S;fg_v'b gfkmf÷-gf]S;fg_v'b gfkmf÷-gf]S;fg_ 9,53,05,3269,53,05,3269,53,05,3269,53,05,3269,53,05,326 6,52,52,8126,52,52,8126,52,52,8126,52,52,8126,52,52,812

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

4=18 b]lv 4=28 ;Ddsf cg';"rLx? o; gfkmf gf]S;fg lx;fasf cleGg c+u x'g\ .4=18 b]lv 4=28 ;Ddsf cg';"rLx? o; gfkmf gf]S;fg lx;fasf cleGg c+u x'g\ .4=18 b]lv 4=28 ;Ddsf cg';"rLx? o; gfkmf gf]S;fg lx;fasf cleGg c+u x'g\ .4=18 b]lv 4=28 ;Ddsf cg';"rLx? o; gfkmf gf]S;fg lx;fasf cleGg c+u x'g\ .4=18 b]lv 4=28 ;Ddsf cg';"rLx? o; gfkmf gf]S;fg lx;fasf cleGg c+u x'g\ .

o;} ldltsf] ;+nUg k|ltj]bgcg';f/

b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{ b=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]n b=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}td b=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfk|aGws — ;+rfng jl/i& k|aGws — ;+rfng dxfk|aGws k|d'v sfo{sf/L clws[t

;+rfnsx¿

b= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfncWoIf

b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=

;fem]bf/

;L=P;=;L= PG* s+=

rf {̂*{ PsfpG ]̂G \̂;

b=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]n

b=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnL

Page 21: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

21jflif{s k|ltj]bg @)^#÷^$

cfDbfgLcfDbfgLcfDbfgLcfDbfgLcfDbfgL1= ut jif{;Ddsf] ;+lrt d'gfkmf – –

2= o; jif{sf] d'gfkmf 9,53,05,326 6,52,52,8133= ;^xL #^a( sf]if – –

4= k'¤hL ;dfof]hg sf]ifaf^ ;f/]sf] 7,48,71,788 –

hDdfhDdfhDdfhDdfhDdf 17,01,77,11417,01,77,11417,01,77,11417,01,77,11417,01,77,114 6,52,52,8136,52,52,8136,52,52,8136,52,52,8136,52,52,813

vr{vr{vr{vr{vr{1= ut jif{;Ddsf] ;+lrt gf]S;fg –

2= o; jif{sf] gf]S;fg – –

3= ;fwf/)f hu]*f sf]if 1,90,61,065 1,30,50,5634= e}k/L cfpg] hu]*f sf]if – –

5= ;+:yf ljsf; sf]if – –

6= nfef+z ;dLs/)f sf]if – –

7= sd{rf/L;DaGwL hu]*fx? – –

8= k|:tfljt nfef+z 47,36,842 –

9= k|:tfljt af]g; z]o/ hf/L 9,00,00,000 –

10= ljz]if hu]*f sf]if – –

11= ;^xL #^a( sf]if 1,88,635 8,90,36812= k'¤hL lkmtf{ hu]*f sf]if – –

13= k'¤hL ;dfof]hg sf]if 5,61,90,572 5,13,11,88214= cGo – –

hDdfhDdfhDdfhDdfhDdf 17,01,77,11417,01,77,11417,01,77,11417,01,77,11417,01,77,114 6,52,52,8136,52,52,8136,52,52,8136,52,52,8136,52,52,813

15= ;+lrt d'gfkmf÷-gf]S;fg_;+lrt d'gfkmf÷-gf]S;fg_;+lrt d'gfkmf÷-gf]S;fg_;+lrt d'gfkmf÷-gf]S;fg_;+lrt d'gfkmf÷-gf]S;fg_ – –

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

gfkmf–gf]S;fg afF8kmfF8 lx;fa-ldlt ! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

o;} ldltsf] ;+nUg k|ltj]bgcg';f/

b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{b=hLjg e§/fO{ b=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]nb=;'Gb/ k|= s*]n b=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}tdb=zDe'gfy uf}td b=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfb=*L=;L= vGgfk|aGws — ;+rfng jl/i& k|aGws — ;+rfng dxfk|aGws k|d'v sfo{sf/L clws[t

;+rfnsx¿

b= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfnb= lr/GhLnfn cu|jfncWoIf

b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=b=Pn=*L= dxt, Pkm=;L=P=

;fem]bf/

;L=P;=;L= PG* s+=

rf {̂*{ PsfpG ]̂G \̂;

b=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=;'/]z rGb| cu|jfnb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=/tgnfn s]l*ofb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]nb=dx]z k|;fb kf]v/]n

b=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=tf/f rGb s]l*ofb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=ljZjgfy zfxb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnLb=x]dGt !jfnL

Page 22: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

22 jflif{s k|ltj]bg @)^#÷^$

;'¿

df}Hbft

;'¿

df}Hbft

;'¿

df}Hbft

;'¿

df}Hbft

;'¿

df}Hbft

50,00,00,000

50,00,00,000

50,00,00,000

50,00,00,000

50,00,00,000

—2,71,06,521

2,71,06,521

2,71,06,521

2,71,06,521

2,71,06,521

7,48,71,788

—11,63,14

611,63,14

611,63,14

611,63,14

611,63,14

6—

—60,31,41,455

60,31,41,455

60,31,41,455

60,31,41,455

60,31,41,455

n]vf gLltdf kl/jt{g

——

——

——

——

k'g:yf{lkt

df}Hbft

k'g:yf{lkt

df}Hbft

k'g:yf{lkt

df}Hbft

k'g:yf{lkt

df}Hbft

k'g:yf{lkt

df}Hbft

50,00,00,000

50,00,00,000

50,00,00,000

50,00,00,000

50,00,00,000

———— —2,71,06,521

2,71,06,521

2,71,06,521

2,71,06,521

2,71,06,521

7,48,71,78

87,48,71,78

87,48,71,78

87,48,71,78

87,48,71,78

8———— —

11,63,14

611,63,14

611,63,14

611,63,14

611,63,14

6———— —

———— —60,31,41,455

60,31,41,455

60,31,41,455

60,31,41,455

60,31,41,455

;DklQ k'gd"{Nof°gdf art

——

——

——

——

nufgL k'gd"{Nof°gdf #f̂f

——

——

——

——

d'b|f ¿kfGt/)fdf leGgtf

——

——

——

——

cfo ljj/)fdf ;dfj]z gul/Psf v'b gfkmf÷#f̂f

——

——

——

——

o; jif{sf] v'b gfkmf

—9,53,05,326

——

——

——

9,53,05,326

;fwf/)f hu]*f

— -1,90,61,065_

1,90,61,065

——

——

——

gub nfef+z÷k|:tfljt af]gz z]o/

—-1,98,65,054_

—-7,48,71,788_

——

—9,00,00,000

9,00,00,000

9,00,00,000

9,00,00,000

9,00,00,000

-47,36,842_

z]o/ k'¤hL lgisf;g

10,00,00,000

——

——

——

— 10,00,00,000

;DklQ k'gd"{Nof°gdf #f̂f

——

——

——

——

nufgL k'gd"{Nof°gdf art

——

——

——

——

k'¤hL ;dfof]hg sf]if

—-5,61,90,572_

—5,61,90,572

——

——

;^xL #^a( sf]if

—-1,88,635_

——

—1,88,635

——

Aofhb/ cGt/ sf]if

——

——

——

——

clGtd

df}Hbft

clGtd

df}Hbft

clGtd

df}Hbft

clGtd

df}Hbft

clGtd

df}Hbft

60

,00,00,000

60

,00,00,000

60

,00,00,000

60

,00,00,000

60

,00,00,000

—4,61,67,586

4,61,67,586

4,61,67,586

4,61,67,586

4,61,67,586

5,61,90,572

5,61,90,572

5,61,90,572

5,61,90,572

5,61,90,572

—13,51,78

113,51,78

113,51,78

113,51,78

113,51,78

1—

90,000,000

90,000,000

90,000,000

90,000,000

90,000,000

79,37,09,939

79,37,09,939

79,37,09,939

79,37,09,939

79,37,09,939

;+lrt

gfkmf÷

-gf]S;

fg_

;fwf

/0f h

u]8f

sf]if

k'“hL ;

dfof]hg

sf]if

;6xL 3

6a9

sf]if

z]o/

lk|dL

ods'n

/sd

cGo

hu]8f

tyf sf

]if

OlSj6Ldf ePsf] kl/jt{g;DaGwL ljj/0f

-cfly{s jif{ @)^#÷)^$_

z]o/

k'“hL

ljj/

0fk|:

tfljt

jf]g;

z]o/

hf/L

Page 23: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

23jflif{s k|ltj]bg @)^#÷^$

-s_ sf/f]af/ ;+rfngaf^ gub k|jfx-s_ sf/f]af/ ;+rfngaf^ gub k|jfx-s_ sf/f]af/ ;+rfngaf^ gub k|jfx-s_ sf/f]af/ ;+rfngaf^ gub k|jfx-s_ sf/f]af/ ;+rfngaf^ gub k|jfx1 =1 =1 =1 =1 = gub k|flKtgub k|flKtgub k|flKtgub k|flKtgub k|flKt

29,22,31,934 1=1 Aofh cfDbfgL 48,12,68,9951,37,74,645 1=2 sld;g tyf l*:sfpG^ cfDbfgL 2,01,77,8021,20,50,770 1=3 ljb]zL ljlgdo sf/f]af/af^ cfDbfgL 1,42,45,653

— 1=4 ckn]lvt shf{sf] c;'nL —

97,04,667 1=5 cGo cfDbfgL 1,86,94,6302 =2 =2 =2 =2 = gub e'QmfgLgub e'QmfgLgub e'QmfgLgub e'QmfgLgub e'QmfgL

-14,89,56,870_ 2=1 Aofh vr{ -27,17,10,950_-2,60,87,462_ 2=2 sd{rf/L vr{ -3,36,20,506_-5,54,27,849_ 2=3 sfof{no ;+rfng vr{ -3,84,66,054_-2,01,62,725_ 2=4 cfos/ e'QmfgL -4,00,33,194_

— 2=5 cGo vr{x? —

7,71,27,1107,71,27,1107,71,27,1107,71,27,1107,71,27,110 sfo{ut k'¤hL ultljlw cl#sf] gub k|jfxsfo{ut k'¤hL ultljlw cl#sf] gub k|jfxsfo{ut k'¤hL ultljlw cl#sf] gub k|jfxsfo{ut k'¤hL ultljlw cl#sf] gub k|jfxsfo{ut k'¤hL ultljlw cl#sf] gub k|jfx 15,05,56,37615,05,56,37615,05,56,37615,05,56,37615,05,56,376

;+rfng;DaGwL rfn" ;DklQdf sdL÷-j[l$_;+rfng;DaGwL rfn" ;DklQdf sdL÷-j[l$_;+rfng;DaGwL rfn" ;DklQdf sdL÷-j[l$_;+rfng;DaGwL rfn" ;DklQdf sdL÷-j[l$_;+rfng;DaGwL rfn" ;DklQdf sdL÷-j[l$_

-7,75,28,998_ 1= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l$_ -12,94,46,305_-36,43,55,737_ 2= cGo cNksfnLg nufgLdf sdL÷-j[l$_ -19,92,10,391_

-1,23,43,39,384_ 3= shf{ tyf laN; vl/bdf sdL÷-j[l$_ -2,45,04,57,205_-50,19,075_ 4= cGo ;DklQdf sdL÷-j[l$_ -2,63,10,833_

;+rfng;DaGwL rfn" bfloTjdf -sdL_÷j[l$;+rfng;DaGwL rfn" bfloTjdf -sdL_÷j[l$;+rfng;DaGwL rfn" bfloTjdf -sdL_÷j[l$;+rfng;DaGwL rfn" bfloTjdf -sdL_÷j[l$;+rfng;DaGwL rfn" bfloTjdf -sdL_÷j[l$1,45,61,53,696 1= lgIf]k bfloTjdf -sdL_÷j[l$_ 2,70,70,02,289

— 2= ;l {̂lkms]̂ ckm l*kf]lh^df -sdL_÷j[l$_ —

-88,50,000_ 3= cNksfnLg ;fk^Ldf -sdL_÷j[l$_ 24,88,50,00016,78,564 4= cGo bfloTjdf -sdL_÷j[l$_ 3,63,93,868

-----15,51,33,82315,51,33,82315,51,33,82315,51,33,82315,51,33,823 _____ 33,73,77,79933,73,77,79933,73,77,79933,73,77,79933,73,77,799— -v_-v_-v_-v_-v_ nufgL sf/f]af/df gub k|jfxnufgL sf/f]af/df gub k|jfxnufgL sf/f]af/df gub k|jfxnufgL sf/f]af/df gub k|jfxnufgL sf/f]af/df gub k|jfx —

— 1= bL#{sfnLg nufgLdf sdL÷-j[l$_ -1,49,99,000_-94,75,336_ 2= :yL/ ;DklQdf sdL÷-j[l$_ -2,13,53,563_

255,511 3= bL#{sfnLg nufgLdf Aofh cfDbfgL 2,54,812— 4= nfef+z cfDbfgL —

-----9,219,8259,219,8259,219,8259,219,8259,219,825 _____ -3,60,97,751_-3,60,97,751_-3,60,97,751_-3,60,97,751_-3,60,97,751_-u _-u _-u _-u _-u _ ljQLo ;|f]t sf/f]af/af^ gub k|jfxljQLo ;|f]t sf/f]af/af^ gub k|jfxljQLo ;|f]t sf/f]af/af^ gub k|jfxljQLo ;|f]t sf/f]af/af^ gub k|jfxljQLo ;|f]t sf/f]af/af^ gub k|jfx

— 1= bL#{sfnLg ¥)F -aG*, l*a]Gr/ cflb_df j[l$÷-sdL_ —

15,00,00,000 2= z]o/ k'¤hLdf j[l$÷-sdL_ 10,00,00,000-4,29,211_ 3= cGo bfloTjdf j[l$÷-sdL_ —

— 4= g]kfn /fi <̂ a}+saf^ k|FKt ;x'lnot÷k'gs{hf{df j[l$÷-sdL_ —

149,570,789149,570,789149,570,789149,570,789149,570,789 10,00,00,00010,00,00,00010,00,00,00010,00,00,00010,00,00,000-# _-# _-# _-# _-# _ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf]gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf]gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf]gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf]gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf]

km/saf^ cfDbfgL÷-vr{_km/saf^ cfDbfgL÷-vr{_km/saf^ cfDbfgL÷-vr{_km/saf^ cfDbfgL÷-vr{_km/saf^ cfDbfgL÷-vr{_-1,47,82,859_-1,47,82,859_-1,47,82,859_-1,47,82,859_-1,47,82,859_ -ñ_-ñ_-ñ_-ñ_-ñ_ o; jif{sf] ;Dk")f{ ultljlwaf^o; jif{sf] ;Dk")f{ ultljlwaf^o; jif{sf] ;Dk")f{ ultljlwaf^o; jif{sf] ;Dk")f{ ultljlwaf^o; jif{sf] ;Dk")f{ ultljlwaf^ gub k|jfx -sgub k|jfx -sgub k|jfx -sgub k|jfx -sgub k|jfx -s+vvvvv+uuuuu+#_#_#_#_#_ 40,12,80,04840,12,80,04840,12,80,04840,12,80,04840,12,80,04813,07,29,16513,07,29,16513,07,29,16513,07,29,16513,07,29,165 -r_-r_-r_-r_-r_ gub tyf a}+sdf /x]sf] ;'¿ df}Hbftgub tyf a}+sdf /x]sf] ;'¿ df}Hbftgub tyf a}+sdf /x]sf] ;'¿ df}Hbftgub tyf a}+sdf /x]sf] ;'¿ df}Hbftgub tyf a}+sdf /x]sf] ;'¿ df}Hbft 11,59,46,30611,59,46,30611,59,46,30611,59,46,30611,59,46,30611,59,46,30611,59,46,30611,59,46,30611,59,46,30611,59,46,306 -% _-% _-% _-% _-% _ gub tyf a}+sdf /x]sf] clGtd df}Hbftgub tyf a}+sdf /x]sf] clGtd df}Hbftgub tyf a}+sdf /x]sf] clGtd df}Hbftgub tyf a}+sdf /x]sf] clGtd df}Hbftgub tyf a}+sdf /x]sf] clGtd df}Hbft 51,72,26,35451,72,26,35451,72,26,35451,72,26,35451,72,26,354

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

gub k|jfx ljj/0f-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

Page 24: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

24 jflif{s k|ltj]bg @)^#÷^$

z]o/ k'FhL tyf :jfldTj-@)^$ ;fn cfiff9 d;fGt_

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

50,00,00,00050,00,00,00050,00,00,00050,00,00,00050,00,00,000 1= z]o/ k'¤hL1= z]o/ k'¤hL1= z]o/ k'¤hL1= z]o/ k'¤hL1= z]o/ k'¤hL 60,00,00,00060,00,00,00060,00,00,00060,00,00,00060,00,00,0001,00,00,00,0001,00,00,00,0001,00,00,00,0001,00,00,00,0001,00,00,00,000 1=1 clws[t k'¤hL1=1 clws[t k'¤hL1=1 clws[t k'¤hL1=1 clws[t k'¤hL1=1 clws[t k'¤hL 1,00,00,00,0001,00,00,00,0001,00,00,00,0001,00,00,00,0001,00,00,00,0001,00,00,00,000 s_ 1,00,00,000 ;fwf/)f z]o/ k|lt z]o/ ¿= 100 n] 1,00,00,00,000

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

50,00,00,00050,00,00,00050,00,00,00050,00,00,00050,00,00,000 1=21=21=21=21=2 hf/L k'¤hLhf/L k'¤hLhf/L k'¤hLhf/L k'¤hLhf/L k'¤hL 80,00,00,00080,00,00,00080,00,00,00080,00,00,00080,00,00,00050,00,00,000 s_ 80,00,000 ;fwf/)f z]o/ k|lt z]o/ ¿= 100 n] 80,00,00,00080,00,00,00080,00,00,00080,00,00,00080,00,00,000

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

50,00,00,00050,00,00,00050,00,00,00050,00,00,00050,00,00,000 1=3 r'Qmf k'¤hL1=3 r'Qmf k'¤hL1=3 r'Qmf k'¤hL1=3 r'Qmf k'¤hL1=3 r'Qmf k'¤hL 60,00,00,00060,00,00,00060,00,00,00060,00,00,00060,00,00,00050,00,00,000 s_ 60,00,000 ;fwf/)f z]o/ k|lt z]o/ ¿= 100 n] 60,00,00,000

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

35,00,00,00035,00,00,00035,00,00,00035,00,00,00035,00,00,000 7070707070 1=1 =1 =1 =1 = :jb]zL :jfldTj:jb]zL :jfldTj:jb]zL :jfldTj:jb]zL :jfldTj:jb]zL :jfldTj 42,00,00,00042,00,00,00042,00,00,00042,00,00,00042,00,00,000 7070707070— — 1=1 g]kfn ;/sf/ — —

— — 1=2 ljb]zL ;+:yf — —

— — 1=3 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ — —

— — 1=4 cGo Ohfhtkq k|fKt ;+:yfx¿ — —

5,87,55,500 11=75 1=5 cGo ;+:yfx¿ 7,05,06,600 11=7529,12,44,500 58=25 1=6 JolQmut 34,94,93,400 58=25

— — 1=7 cGo — —

15,00,00,00015,00,00,00015,00,00,00015,00,00,00015,00,00,000 3030303030 2= ;j{;fwf/)f2= ;j{;fwf/)f2= ;j{;fwf/)f2= ;j{;fwf/)f2= ;j{;fwf/)f 18,00,00,00018,00,00,00018,00,00,00018,00,00,00018,00,00,000 303030303050,00,00,00050,00,00,00050,00,00,00050,00,00,00050,00,00,000 100100100100100 hDdfhDdfhDdfhDdfhDdf 60,00,00,00060,00,00,00060,00,00,00060,00,00,00060,00,00,000 100100100100100

? µ ? µ

z]o/ :jfldTj

cg';"rL $=!

ljj/0fz]o/ k"FhLz]o/ k"FhL

Page 25: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

25jflif{s k|ltj]bg @)^#÷^$

! k|'8]lG;on OGe]:6d]G6 s+= k|f=ln= #,$%,)^^ #,$%,)^,^)) %=&%Ü@ g/]Gb| s'df/ cu|jfn @,($,))) @,($,)),))) $=()Ü# lr/GhLnfn cu|jfn @,$),))) @,$),)),))) $=))Ü$ xL/fnfn s]l8of !,((,@)) !,((,@),))) #=#@Ü% /tgnfn s]l8of !,(*,))) !,(*,)),))) #=#)Ü^ kjg s'df/ cu|jfn !,*),))) !,*),)),))) #=))Ü& dxfjL/ OGe]i6d]G6 k|f=ln= !,*),))) !,*),)),))) #=))Ü* k'ikf~hnL OG6/g]zn k|f=ln= !,*),))) !,*),)),))) #=))Ü( g/ky l;+x h}g !,*),))) !,*),)),))) #=))Ü!) ;'af]w tf]bL !,%!,!(( !,%!,!(,()) @=%@Ü!! k'gd rGb cu|jfn !,#@,))) !,#@,)),))) @=@)Ü!@ uf]dtL b]jL s]l8of !,#@,))) !,#@,)),))) @=@)Ü!# lbgfgfy s]l8of !,@(,^)) !,@(,^),))) @=!^Ü!$ /jLGb|gfy zdf{ !,@%,(($ !,@%,((,$)) @=!)Ü!% czf]s s'df/ jfx]6L !,@),))) !,@),)),))) @=))Ü!^ /fd cjtf/ s]l8of !,!),$)) !,!),$),))) !=*$Ü!& dbg nfn s]l8of !,!),$)) !,!),$),))) !=*$Ü!* ;'/]z s'df/ ?Ë6f (),))) (),)),))) !=%)Ü!( ;Gtf]if /f7L (),))) (),)),))) !=%)Ü@) ;'/]z rGb| cu|jfn *$,))) *$,)),))) !=$)Ü@! ljgf]b s'df/ cu|jfn *$,))) *$,)),))) !=$)Ü@@ lgd{n k|wfg &#,*$) &#,*$,))) !=@#Ü@# s[i0f d'/f/L cu|jfn &@,))) &@,)),))) !=@)Ü@$ ljgo s'df/ zfx df/jf8L ^),))) ^),)),))) !=))Ü@% /fhs'df/ l6j8]jfnf ^),))) ^),)),))) !=))Ü@^ /fh]Gb| cu|jfn ^),))) ^),)),))) !=))Ü@& sljGb| axfb'/ >]i7 ^),))) ^),)),))) !=))Ü@* ljZjgfy zfx ^),))) ^),)),))) !=))Ü@( jL/]Gb| s'df/ zfx ^),))) ^),)),))) !=))Ü#) hzs/0f zf/bf ^),))) ^),)),))) !=))Ü#! bfdf]b/ k|=uf}td÷ztLz uf}td %$,))) %$,)),))) )=()Ü#@ Zofd ;'Gb/ cu|jfn $*,))) $*,)),))) )=*)Ü## hubLz s'df/ cu|jfn $@,))) $@,)),))) )=&)Ü#$ ;j]{Gb|gfy z'Snf #^,))) #^,)),))) )=^)Ü#% clgn s'df/ >]i7 #@,$)) #@,$),))) )=%$Ü#^ cf]d k|sfz ?Fu6f #),))) #),)),))) )=%)Ü#& ;'/]Gb| zf/bf #),))) #),)),))) )=%)Ü#* ;+ho s'df/ zf/bf #),))) #),)),))) )=%)Ü

cg';"rL $=!=!

qm= ;++ z]o/wgLx¿sf] gfd z]o/ ;+Vof ?= k |ltztk|ltztk|ltztk|ltztk|ltzt

a}+ssf] )=% k|ltzteGbf a9L z]o/ k'FhL ePsf z]o/wgLx¿

Page 26: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

26 jflif{s k|ltj]bg @)^#÷^$

hu]8f tyf sf]ifx¿-@)^$ ;fn cfiff9 d;fGt_cg';"rL $=@

2,71,06,521 1= ;fwf/)f hu]*f sf]if 4,61,67,5874,61,67,5874,61,67,5874,61,67,5874,61,67,587— 2= k|:tfljt af]gz z]o/ 9,00,00,0009,00,00,0009,00,00,0009,00,00,0009,00,00,000— 3= k¤'hLut hu]*f sf]if —

— 4= Soflk^n l/l*Dk;g l/he{ —

7,48,71,788 5= k¤'hL ;dfof]hg sf]if 5,61,90,5725,61,90,5725,61,90,5725,61,90,5725,61,90,572— 6= cGo hu]*f tyf sf]if —

— s= e}k/L cfpg] hu]*f —

— v= ;+:yf ljsf; sf]if —

— u= nfef+z ;dLs/)f sf]if —

— #= ljz]if hu]*f sf]if —

— ñ= ;DklQ k'gd"{Nof°g sf]if —

— r= cGo :jtGq sf]if —

— %= cGo hu]*f sf]if —

— 7= ;+lrt gfkmf÷-gf]S;fg_ —

11,63,146 8= ;^xL #^a( sf]if 13,51,78113,51,78113,51,78113,51,78113,51,78110,31,41,45510,31,41,45510,31,41,45510,31,41,45510,31,41,455 hDdfhDdfhDdfhDdfhDdf 19,37,09,93919,37,09,93919,37,09,93919,37,09,93919,37,09,939

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

— 1= =============== k|ltzt aG*÷¥)fkq k|lt a)*÷¥)fkq ===== ¿= n] ======== —

ldlt ============== df hf/L ePsf] / ldlt ========df r'Qmf x'g]

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

— 2= ================ k|ltzt aG*÷¥)fkq k|lt a)*÷¥)fkq ===== ¿= n] ====== —

ldlt ============== df hf/L ePsf] / ldlt ========df r'Qmf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= ======================_+

— 3= =============== —

— hDdf -1®2®3_hDdf -1®2®3_hDdf -1®2®3_hDdf -1®2®3_hDdf -1®2®3_ —

C0fkq tyf aG8-@)^$ ;fn cfiff9 d;fGt_cg';"rL $=#

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

Page 27: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

27jflif{s k|ltj]bg @)^#÷^$

ltg{ afFsL shf{ -;fk6L_-@)^$ ;fn cfiff9 d;fGt_

s= :jb]zLs= :jb]zLs= :jb]zLs= :jb]zLs= :jb]zL— 1= g]kfn ;/sf/ —

— 2= g]kfn /fi^< a}+s —

7,00,00,000 3= l/kf] bfloTj —

11,11,50,000 4= cGt/ a}+s tyf ljQLo ;+:yf 43,00,00,000— 5= cGo ;+ul&t ;+:yfx? —

— 6= cGo —

18,11,50,00018,11,50,00018,11,50,00018,11,50,00018,11,50,000 hDdfhDdfhDdfhDdfhDdf 43,00,00,00043,00,00,00043,00,00,00043,00,00,00043,00,00,000v= ljb]zLv= ljb]zLv= ljb]zLv= ljb]zLv= ljb]zL

— 1= a}+sx? —

— 2= cGo —

— hDdfhDdfhDdfhDdfhDdf —

18,11,50,00018,11,50,00018,11,50,00018,11,50,00018,11,50,000 hDdf -s®v_hDdf -s®v_hDdf -s®v_hDdf -s®v_hDdf -s®v_ 43,00,00,00043,00,00,00043,00,00,00043,00,00,00043,00,00,000

cg';"rL $=$

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

Page 28: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

28 jflif{s k|ltj]bg @)^#÷^$

lgIf]k lx;fa-@)^$ ;fn cfiff9 d;fGt_

1=1=1=1=1= Aofh ltg'{ gkg]{ vftfx¿Aofh ltg'{ gkg]{ vftfx¿Aofh ltg'{ gkg]{ vftfx¿Aofh ltg'{ gkg]{ vftfx¿Aofh ltg'{ gkg]{ vftfx¿

8,22,91,1448,22,91,1448,22,91,1448,22,91,1448,22,91,144 s=s=s=s=s= rNtL lx;farNtL lx;farNtL lx;farNtL lx;farNtL lx;fa 15,08,18,58015,08,18,58015,08,18,58015,08,18,58015,08,18,580

7,91,03,758 1= :jb]zL d'b|fdf 13,74,74,38313,74,74,38313,74,74,38313,74,74,38313,74,74,383

1,38,63,845 1=1 g]kfn ;/sf/ 1,03,50,781

– 1=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? –

79,19,521 1=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 1,36,57,989

4,27,01,745 1=4 cGo ;+ul&t ;+:yfx? 7,97,45,648

1,45,82,429 1=5 JolQmut 3,26,66,677

36,219 1=6 cGo 10,53,289

31,87,386 2= ljb]zL d'b|fdf 1,33,44,1971,33,44,1971,33,44,1971,33,44,1971,33,44,197

– 2=1 g]kfn ;/sf/ –

– 2=2 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? –

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

31,87,386 2=4 cGo ;+ul&t ;+:yfx? 1,33,44,197

– 2=5 JolQmut –

– 2=6 cGo –

4,55,65,4654,55,65,4654,55,65,4654,55,65,4654,55,65,465 v=v=v=v=v= dflh{gdflh{gdflh{gdflh{gdflh{g 7,63,90,4957,63,90,4957,63,90,4957,63,90,4957,63,90,495

– 1= sd{rf/L hdfgt –

1,84,75,465 2= hdfgt dflh{g 2,25,12,502

2,70,90,000 3= k|lttkq dflh{g 5,38,77,993

1,12,6441,12,6441,12,6441,12,6441,12,644 u= cGou= cGou= cGou= cGou= cGo 3,92,7973,92,7973,92,7973,92,7973,92,797

1,12,644 1= :jb]zL d'b|fdf 3,92,797

– 1=1 ljQLo ;+:yfx? –

34,000 1=2 cGo ;+ul&t ;+:yfx? –

78,644 1=3 JolQmut 3,92,797

– 2= ljb]zL d'b|fdf –

– 2=1 ljQLo ;+:yfx? –

– 2=2 cGo ;+ul&t ;+:yfx? –

– 2=3 JolQmut –

12,79,69,25412,79,69,25412,79,69,25412,79,69,25412,79,69,254 Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -c_Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -c_Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -c_Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -c_Aofh ltg'{ gkg]{ vftfx¿sf] hDdf -c_ 22,76,01,87122,76,01,87122,76,01,87122,76,01,87122,76,01,871

cg';"rL $=%

qmdz ====

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

Page 29: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

29jflif{s k|ltj]bg @)^#÷^$

2=2=2 =2 =2 = Aofh ltg'{kg]{ vftfx?Aofh ltg'{kg]{ vftfx?Aofh ltg'{kg]{ vftfx?Aofh ltg'{kg]{ vftfx?Aofh ltg'{kg]{ vftfx?

1,12,84,64,0881,12,84,64,0881,12,84,64,0881,12,84,64,0881,12,84,64,088 s= art lx;fas= art lx;fas= art lx;fas= art lx;fas= art lx;fa 1,88,16,63,6671,88,16,63,6671,88,16,63,6671,88,16,63,6671,88,16,63,667

1,12,04,55,3141,12,04,55,3141,12,04,55,3141,12,04,55,3141,12,04,55,314 1=1=1=1=1= :jb]zL d'b|fdf:jb]zL d'b|fdf:jb]zL d'b|fdf:jb]zL d'b|fdf:jb]zL d'b|fdf 1,87,23,07,4311,87,23,07,4311,87,23,07,4311,87,23,07,4311,87,23,07,43127,20,43,803 1=1 ;+#;+:yfx? 6,52,01,85784,79,09,779 1=2 JolQmut 1,80,47,20,041

5,01,733 1=3 cGo 23,85,532

80,08,77480,08,77480,08,77480,08,77480,08,774 2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf 93,56,23693,56,23693,56,23693,56,23693,56,236– 2=1 ;+#;+:yfx? 8,07,695

80,08,774 2=2 JolQmut 85,48,541– 2=3 cGo –

1,63,20,91,0681,63,20,91,0681,63,20,91,0681,63,20,91,0681,63,20,91,068 v= d'@tL lx;fav= d'@tL lx;fav= d'@tL lx;fav= d'@tL lx;fav= d'@tL lx;fa 3,02,25,55,5683,02,25,55,5683,02,25,55,5683,02,25,55,5683,02,25,55,568

1,61,72,71,0681,61,72,71,0681,61,72,71,0681,61,72,71,0681,61,72,71,068 1= :jb]zL d'b|fdf1= :jb]zL d'b|fdf1= :jb]zL d'b|fdf1= :jb]zL d'b|fdf1= :jb]zL d'b|fdf 3,00,95,85,5683,00,95,85,5683,00,95,85,5683,00,95,85,5683,00,95,85,5681,44,50,29,353 1=1 ;+#;+:yfx? 2,74,35,29,35317,22,41,715 1=2 JolQmut 26,35,56,215

– 1=3 cGo 25,00,000

1,48,20,0001,48,20,0001,48,20,0001,48,20,0001,48,20,000 2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf 1,29,70,0001,29,70,0001,29,70,0001,29,70,0001,29,70,0001,48,20,000 2=1 ;+#;+:yfx? 1,29,70,000

– 2=2 JolQmut –

– 2=3 cGo –

1,02,95,51,8081,02,95,51,8081,02,95,51,8081,02,95,51,8081,02,95,51,808 u= dfu]sf] avt ltg'{ kg]{ lx;fau= dfu]sf] avt ltg'{ kg]{ lx;fau= dfu]sf] avt ltg'{ kg]{ lx;fau= dfu]sf] avt ltg'{ kg]{ lx;fau= dfu]sf] avt ltg'{ kg]{ lx;fa 1,49,32,57,4001,49,32,57,4001,49,32,57,4001,49,32,57,4001,49,32,57,400

1,02,94,25,3531,02,94,25,3531,02,94,25,3531,02,94,25,3531,02,94,25,353 1=1=1=1=1= :jb]zL d'b|fdf:jb]zL d'b|fdf:jb]zL d'b|fdf:jb]zL d'b|fdf:jb]zL d'b|fdf 1,23,29,81,5051,23,29,81,5051,23,29,81,5051,23,29,81,5051,23,29,81,505 – 1=1 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? –

56,67,80,013 1=2 cGo O=k|f=ljQLo ;+:yfx? 72,52,37,73027,28,63,871 1=3 cGo ;+ul&t ;+:yfx? 25,68,92,18218,97,81,469 1=4 JolQmut 25,02,95,353

– 1=5 cGo 5,56,240

1,26,4551,26,4551,26,4551,26,4551,26,455 2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf2= ljb]zL d'b|fdf 26,02,75,89526,02,75,89526,02,75,89526,02,75,89526,02,75,895– 2=1 æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? –

– 2=2 cGo O=k|f= ljQLo ;+:yfx? –1,26,455 2=3 cGo ;+ul&t ;+:yfx? 45,59,188

– 2=4 JolQmut 25,57,16,708– 2=5 cGo –

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

– 1= ;+ul&t ;+:yf –

– 2= JolQmut –– 3= cGo –

3,79,01,06,9643,79,01,06,9643,79,01,06,9643,79,01,06,9643,79,01,06,964 Aofh ltg'{ kg]{ vftfx¿sf] hDdf -cf_Aofh ltg'{ kg]{ vftfx¿sf] hDdf -cf_Aofh ltg'{ kg]{ vftfx¿sf] hDdf -cf_Aofh ltg'{ kg]{ vftfx¿sf] hDdf -cf_Aofh ltg'{ kg]{ vftfx¿sf] hDdf -cf_ 6,39,74,76,6356,39,74,76,6356,39,74,76,6356,39,74,76,6356,39,74,76,635

3,91,80,76,2173,91,80,76,2173,91,80,76,2173,91,80,76,2173,91,80,76,217 hDdf lgIf]k -c®cf_hDdf lgIf]k -c®cf_hDdf lgIf]k -c®cf_hDdf lgIf]k -c®cf_hDdf lgIf]k -c®cf_ 6,62,50,78,5066,62,50,78,5066,62,50,78,5066,62,50,78,5066,62,50,78,506

====qmdz

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

Page 30: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

30 jflif{s k|ltj]bg @)^#÷^$

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

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

e'QmfgL lbg'kg]{ lanx¿-@)^$ ;fn cfiff9 d;fGt_

cGo bfloTj-@)^$ ;fn cfiff9 d;fGt_

gub df}Hbft-@)^$ ;fn cfiff9 d;fGt_

– 1= k]G;g÷pkbfg sf]if –

– 2= sd{rf/L ;+ro sf]if –

– 3= sd{rf/L sNof)f sf]if –

91,54,287 4= sd{rf/L af]g; Joj:yf 1,39,13,186– 5= lgIf]kdf e'QmfgL lbg af¤sL Aofh –

26,90,756 6= ;fk^Ldf e'QmfgL lbg af¤sL Aofh 2,99,45234,500 7= kfsL g;s]sf] l*:sfpG^ / sldzg 2,91,409

– 8= ;G*<L q]ml*^;\{ –

15,20,346 9= zfvf ldnfg lx;fa –

4,00,55,068 10= cGo 8,14,31,695– s= gf]:^<f] j|m]l*^ 1,09,10,068– v= cGo 7,05,21,627

5,34,54,9565,34,54,9565,34,54,9565,34,54,9565,34,54,956 hDdfhDdfhDdfhDdfhDdf 9,59,35,7439,59,35,7439,59,35,7439,59,35,7439,59,35,743

6,23,26,443 1= :jb]zL d'b|f -l;Ssf;d]t_ 12,64,45,86826,50,885 2= ljb]zL d'b|f 39,96,712

6,49,77,3286,49,77,3286,49,77,3286,49,77,3286,49,77,328 hDdfhDdfhDdfhDdfhDdf 13,04,42,58013,04,42,58013,04,42,58013,04,42,58013,04,42,580

– 1= :jb]zL d'b|f –

– 2= ljb]zL d'b|f –

– hDdfhDdfhDdfhDdfhDdf –––––

cg';"rL $=&

cg';"rL $=*

cg';"rL $=^

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

Page 31: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

31jflif{s k|ltj]bg @)^#÷^$

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

ljj/0fut jif{ ?= :jb]zL d'b|f hDdfljb]zL d'b|f

ef=?= kl/jTo{ lj=d'= hDdf

g]kfn /fi6« a}+sdf /x]sf] df}Hbft-@)^$ ;fn cfiff9 d;fGt_

1 =1 =1 =1 =1 = g]kfn /fi^< a}+sg]kfn /fi^< a}+sg]kfn /fi^< a}+sg]kfn /fi^< a}+sg]kfn /fi^< a}+s

4,68,21,386 s= rNtL vftf 37,90,86,168 – 16,17,900 16,17,900 38,07,04,068

20,09,919 v= cGo vftf -1,40,321_ – – – -1,40,321_

4,88,31,3054,88,31,3054,88,31,3054,88,31,3054,88,31,305 hDdfhDdfhDdfhDdfhDdf ––––– ––––– ––––– ––––– 38,05,63,74738,05,63,74738,05,63,74738,05,63,74738,05,63,747

cg';"rL $=(

– 1 =1 =1 =1 =1 = Ohfhtkq k|fKtOhfhtkq k|fKtOhfhtkq k|fKtOhfhtkq k|fKtOhfhtkq k|fKt – – – –

:jb]zL ;+:yfx?:jb]zL ;+:yfx?:jb]zL ;+:yfx?:jb]zL ;+:yfx?:jb]zL ;+:yfx?

52,27,750 s= rNtL vftf 29,77,590 – – – 29,77,590– v= cGo vftf – – – – –

2= ljb]zL a}+sx?2= ljb]zL a}+sx?2= ljb]zL a}+sx?2= ljb]zL a}+sx?2= ljb]zL a}+sx? – – – – –

-30,90,077_ s= rNtL vftf – 9,82,404 22,60,033 32,42,437 32,42,437– v= cGo vftf – – – – –

21,37,67321,37,67321,37,67321,37,67321,37,673 hDdfhDdfhDdfhDdfhDdf 29,77,59029,77,59029,77,59029,77,59029,77,590 9,82,4049,82,4049,82,4049,82,4049,82,404 22,60,03322,60,03322,60,03322,60,03322,60,033 32,42,43732,42,43732,42,43732,42,43732,42,437 62,20,02762,20,02762,20,02762,20,02762,20,027

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft-@)^$ ;fn cfiff9 d;fGt_

dfu tyf cNk;"rgfdf k|fKt x'g] /sdx¿-@)^$ ;fn cfiff9 d;fGt_

10,00,00,000 1= :jb]zL d'b|fdf 4,00,00,000— 2= ljb]zL d'b|fdf 18,94,46,305

10,00,00,00010,00,00,00010,00,00,00010,00,00,00010,00,00,000 hDdfhDdfhDdfhDdfhDdf 22,94,46,30522,94,46,30522,94,46,30522,94,46,30522,94,46,305

ljj/0fut jif{ ?= :jb]zL d'b|f hDdfljb]zL d'b|f

ef=?= kl/jTo{ lj=d'= hDdf

cg';"rL $=!)

cg';"rL $=!!

gf]^M ;DalGwt Ohfhtkq k|fKt ;+:yfx?sf] ;dy{gkqcg';f/sf] s'n df}Hbft /m= 3,98,90,004=94

Page 32: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

32 jflif{s k|ltj]bg @)^#÷^$

z]o/ l8a]Gr/ tyf a08df nufgL-@)^$ ;fn cfiff9 d;fGt_

ljj/0f

cg';"rL $=!@ s

vl/b d"No ?= ahf/ d"No ?=Joj:yf

?=o; jif{

1 =1 =1 =1 =1 = z]o/df nufgLz]o/df nufgLz]o/df nufgLz]o/df nufgLz]o/df nufgL

3,53,000 1=1 ;L=cfO{=;L ln= 3,52,000 — —

3,520 ;fwf/)f z]o/ k|lt z]o/ /m= 100 sf b/n] r'Qmf

1=2 l;$fy{ OG:o'/]G; lnld ]̂* 1,50,00,000 — —

1,50,000 ;fwf/)f z]o/ k|lt z]o/ /m= 100 sf b/n] r'Qmf

— 2 =2 =2 =2 =2 = l*a]Gr/ tyf aG*df nufgLl*a]Gr/ tyf aG*df nufgLl*a]Gr/ tyf aG*df nufgLl*a]Gr/ tyf aG*df nufgLl*a]Gr/ tyf aG*df nufgL — — —

2=1 ====sDkgL -k|f=ln=÷ln=_ === k|ltzt l*a]Gr/÷aG*

======k|lt l*a]Gr/÷aG*

2=2 ========

2=3= ==============

3 ,53 ,0003 ,53 ,0003 ,53 ,0003 ,53 ,0003 ,53 ,000 s'n nufgLs'n nufgLs'n nufgLs'n nufgLs'n nufgL 1 ,53 ,52 ,0001,53 ,52 ,0001,53 ,52 ,0001,53 ,52 ,0001,53 ,52 ,000 — —

— 3 =3 =3 =3 =3 = hf ] lvd;DaGwL Joj:yfhf ] lvd;DaGwL Joj:yfhf ] lvd;DaGwL Joj:yfhf ] lvd;DaGwL Joj:yfhf ] lvd;DaGwL Joj:yf — — —

3=1 ut jif{;Ddsf] Joj:yf

3=2 o; jif{sf] yk÷-#^_

— s'n Joj:yfs'n Joj:yfs'n Joj:yfs'n Joj:yfs'n Joj:yf — — —

3 ,53 ,0003 ,53 ,0003 ,53 ,0003 ,53 ,0003 ,53 ,000 v'b nufgLv'b nufgLv'b nufgLv'b nufgLv'b nufgL 1 ,53 ,52 ,0001,53 ,52 ,0001,53 ,52 ,0001,53 ,52 ,0001,53 ,52 ,000 — —

39,45,89,670 1= g]kfn ;/sf/sf] ^]<h/L lan — 62,19,73,040 62,19,73,040

— 2= g]kfn ;/sf/sf] artkq — — —

37,75,000 3= g]kfn ;/sf/sf] cGo ;'/If)fdf nufgL — 37,75,000 37,75,000

— 4= g]=/f= a}+s ¥)fkq — — —

— 5= ljb]zL ¥)fkq — — —

14,00,00,000 6= :jb]zL Ohfhtkq k|fKt ;+:yf — 19,50,00,000 19,50,00,000

11,22,61,500 7= ljb]zL a}+s — 2,90,88,521 2,90,88,521

3,53,000 8= ;+ul&t ;+:yfx?sf] z]o/ — 1,53,52,000 1,53,52,000

— 9= ;+ul&t ;+:yfx?sf] l*j]Gr/ tyf aG* — — —

— 10= cGo nufgL — — —

65,09,79,17065,09,79,17065,09,79,17065,09,79,17065,09,79,170 s'n nufgLs'n nufgLs'n nufgLs'n nufgLs'n nufgL — 86,51 ,88,56186,51 ,88,56186,51 ,88,56186,51 ,88,56186,51 ,88,561 86,51 ,88,56186,51 ,88,56186,51 ,88,56186,51 ,88,56186,51 ,88,561

— Joj:yfJoj:yfJoj:yfJoj:yfJoj:yf — — —

65,09,79,17065,09,79,17065,09,79,17065,09,79,17065,09,79,170 v'b nufgLv'b nufgLv'b nufgLv'b nufgLv'b nufgL — — 86,51 ,88,56186,51 ,88,56186,51 ,88,56186,51 ,88,56186,51 ,88,561

nufgL-@)^$ ;fn cfiff9 d;fGt_

o; jif{ ?=k|of]hg

Jofkfl/s cGoljj/0f

cg';"rL $=!@

ut jif{ ?=

ut jif{sf] ?=

Page 33: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

33jflif{s k|ltj]bg @)^#÷^$

3,83,56,97,433

3,83,56,97,433

3,83,56,97,433

3,83,56,97,433

3,83,56,97,433

3,78,72,03,953

4,84,93,479

3,35,72,560

3,35,72,560

3,35,72,560

3,35,72,560

3,35,72,560

44,60,923

26,95,426

2,64,16,211

3,86,92,69,993

3,86,92,69,993

3,86,92,69,993

3,86,92,69,993

3,86,92,69,993 —

3,78,72,039

1,33,96,106

11,15,231

13,47,713

2,64,16,212

8,01,47,301

8,01,47,301

8,01,47,301

8,01,47,301

8,01,47,301 —

2,68,16,860 —

72,84,060

89,77,045

2,08,36,581

6,39,14,546

6,39,14,546

6,39,14,546

6,39,14,546

6,39,14,546 —

1,62,32,756

1,62,32,756

1,62,32,756

1,62,32,756

1,62,32,756

1,62,32,756

3,78,91,22,692

3,78,91,22,692

3,78,91,22,692

3,78,91,22,692

3,78,91,22,692

ut j

if{?=

1 ;lqmo shf{ ;fk^

1 ;lqmo shf{ ;fk^

1 ;lqmo shf{ ;fk^

1 ;lqmo shf{ ;fk^

1 ;lqmo shf{ ;fk^

1=1

c;n

1=2 k'gM ;+/rgf ul/Psf]

2222 2lgliqmo shf{

;fk^

lgliqmo shf{

;fk^

lgliqmo shf{

;fk^

lgliqmo shf{

;fk^

lgliqmo shf{

;fk^

2=1 sd;n

2=2 z+sf:kb

2=3 v/fa

s_

s_

s_

s_

s_

s'n shf{ -1

s'n shf{ -1

s'n shf{ -1

s'n shf{ -1

s'n shf{ -1

+2_2_2_2_ 2_

3=

3=3=

3=3=

shf{

gf]S;fgL

Joj:yf

shf{

gf]S;fgL

Joj:yf

shf{

gf]S;fgL

Joj:yf

shf{

gf]S;fgL

Joj:yf

shf{

gf]S;fgL

Joj:yf

3=1 c;n

3=2 k'gM ;+/rgf ul/Psf]

3=3 sd;n

3=4 z+sf:kb

3=5

v/fa

v_

s'n Joj:yf

v_

s'n Joj:yf

v_

s'n Joj:yf

v_

s'n Joj:yf

v_

s'n Joj:yf

4=

4=

4=

4=

4=ut

jif{sf]

Joj:yf

ut

jif{sf]

Joj:yf

ut

jif{sf]

Joj:yf

ut

jif{sf]

Joj:yf

ut

jif{sf]

Joj:yf

4=1 c;n

4=2 k'gM ;+/rgf ul/Psf]

4=3 sd;n

4=4 z+sf:kb

4=5 v/fa

u_ ut jif{sf]

s'n Joj:yf

u_ ut jif{sf]

s'n Joj:yf

u_ ut jif{sf]

s'n Joj:yf

u_ ut jif{sf]

s'n Joj:yf

u_ ut jif{sf]

s'n Joj:yf

#_

ut

jif{sf]

Joj:yf

lkmtf{

#_

ut

jif{sf]

Joj:yf

lkmtf{

#_

ut

jif{sf]

Joj:yf

lkmtf{

#_

ut

jif{sf]

Joj:yf

lkmtf{

#_

ut

jif{sf]

Joj:yf

lkmtf{

*_

o; jif{sf]

yk Joj:yf

*_

o; jif{sf]

yk Joj:yf

*_

o; jif{sf]

yk Joj:yf

*_

o; jif{sf]

yk Joj:yf

*_

o; jif{sf]

yk Joj:yf

o; jif{sf]

v'b

yk÷-#^_

o; jif{sf]

v'b

yk÷-#^_

o; jif{sf]

v'b

yk÷-#^_

o; jif{sf]

v'b

yk÷-#^_

o; jif{sf]

v'b

yk÷-#^_

v'b

shf{

-sv'b

shf{

-sv'b

shf{

-sv'b

shf{

-sv'b

shf{

-s—v_

v_

v_

v_

v_

shf{,

;fk6 tyf laN; vl/b / ;f]sf] nflu Joj:yf

-@)^$

cfiff9 #@ ut]_

— — — — — — — — — — — — — — — — — — — — — — — — — —

41,34,67,592

41,34,67,592

41,34,67,592

41,34,67,592

41,34,67,592

40,87,39,485

47,28,107

42,41,353

42,41,353

42,41,353

42,41,353

42,41,353

14,716

42,26,637

41,77,08,945

41,77,08,945

41,77,08,945

41,77,08,945

41,77,08,945 —

40,87,395

5,91,013

3,679

42,26,637

89,08,724

89,08,724

89,08,724

89,08,724

89,08,724 —

40,79,105

6,95,985

4,74,982

13,47,713

5,32,780

71,30,565

71,30,565

71,30,565

71,30,565

71,30,565

17,78,159

17,78,159

17,78,159

17,78,159

17,78,159

17,78,159

17,78,159

17,78,159

17,78,159

17,78,159

40,88,00,221

40,88,00,221

40,88,00,221

40,88,00,221

40,88,00,221

58,077,66,322

58,077,66,322

58,077,66,322

58,077,66,322

58,077,66,322

5,76,53,55,497

4,24,10,825

1,73,00,230

1,73,00,230

1,73,00,230

1,73,00,230

1,73,00,230

1,73,00,230

5,82,50,66,552

5,82,50,66,552

5,82,50,66,552

5,82,50,66,552

5,82,50,66,552 —

5,76,53,555

1,25,08,358

— —

1,73,00,230

8,74,62,144

8,74,62,144

8,74,62,144

8,74,62,144

8,74,62,144 —

3,34,48,930

1,27,00,121

6,40,249 —

2,58,83,432

7,26,72,732

7,26,72,732

7,26,72,732

7,26,72,732

7,26,72,732 —

1,47,89,412

1,47,89,412

1,47,89,412

1,47,89,412

1,47,89,412

1,47,89,412

1,47,89,412

1,47,89,412

1,47,89,412

1,47,89,412

5,73,76,04,408

5,73,76,04,408

5,73,76,04,408

5,73,76,04,408

5,73,76,04,408

— — — — — — —

— — — — — — — — — — — — — — — —

6,22,12,33,914

6,22,12,33,914

6,22,12,33,914

6,22,12,33,914

6,22,12,33,914

6,17,40,94,982

4,71,38,932

2,15,41,583

2,15,41,583

2,15,41,583

2,15,41,583

2,15,41,583

14,716

2,15,26,867

6,24,27,75,497

6,24,27,75,497

6,24,27,75,497

6,24,27,75,497

6,24,27,75,497 —

6,17,40,950

1,30,99,371

3,679

2,15,26,867

9,63,70,868

9,63,70,868

9,63,70,868

9,63,70,868

9,63,70,868

3,75,28,035

1,33,96,106

11,15,231

13,47,713

2,64,16,212

7,98,03,297

7,98,03,297

7,98,03,297

7,98,03,297

7,98,03,297 —

1,65,67,571

1,65,67,571

1,65,67,571

1,65,67,571

1,65,67,571

1,65,67,571

1,65,67,571

1,65,67,571

1,65,67,571

1,65,67,571

6,14,64,04,629

6,14,64,04,629

6,14,64,04,629

6,14,64,04,629

6,14,64,04,629

2,85,20,633

2,85,20,633

2,85,20,633

2,85,20,633

2,85,20,633

2,85,20,633 —

— — — —

2,85,20,633

2,85,20,633

2,85,20,633

2,85,20,633

2,85,20,633 —

2,85,206 — — — —

2,85,206

2,85,206

2,85,206

2,85,206

2,85,206 —

56,682 — — — —

56,68

256,68

256,68

256,68

256,68

2 —

2,28,524

2,28,524

2,28,524

2,28,524

2,28,524

2,28,524

2,28,524

2,28,524

2,28,524

2,28,524

2,82,35,427

2,82,35,427

2,82,35,427

2,82,35,427

2,82,35,427

4,84,31,068

4,84,31,068

4,84,31,068

4,84,31,068

4,84,31,068

4,84,31,068 —

— — — —

4,84,31,068

4,84,31,068

4,84,31,068

4,84,31,068

4,84,31,068

4,84,311 — — — —

4,84,311

4,84,311

4,84,311

4,84,311

4,84,311 —

2,87,322 — — — —

2,87,322

2,87,322

2,87,322

2,87,322

2,87,322

1,96,989

1,96,989

1,96,989

1,96,989

1,96,989

1,96,989

1,96,989

1,96,989

1,96,989

1,96,989

4,79,46,757

4,79,46,757

4,79,46,757

4,79,46,757

4,79,46,757

shf{

k|f=If]=

ljld

t?=

cljldt ?=

cGo

ljb]z

L?

hDdf ?

vl/b

tyf l8:

sfpG

6 ul/P

sf lan

ljb]z

L?=

:jb]z

L?=

:jb]z

L

ljj/

0fhDd

f?=

7,69,51,701

7,69,51,701

7,69,51,701

7,69,51,701

7,69,51,701

7,69,51,701

— —

7,69,51,701

7,69,51,701

7,69,51,701

7,69,51,701

7,69,51,701 —

7,69,517 — — — —

7,69,517

7,69,517

7,69,517

7,69,517

7,69,517

3,44,004

— — — —

3,44,004

3,44,004

3,44,004

3,44,004

3,44,004

4,25,513

4,25,513

4,25,513

4,25,513

4,25,513

4,25,513

4,25,513

4,25,513

4,25,513

4,25,513

7,61,82,184

7,61,82,184

7,61,82,184

7,61,82,184

7,61,82,184

6,29,81,85,615

6,29,81,85,615

6,29,81,85,615

6,29,81,85,615

6,29,81,85,615

6,25,10,46,683

4,71,38,932

2,15,41,583

2,15,41,583

2,15,41,583

2,15,41,583

2,15,41,583

14,716 —

2,15,26,867

6,31,97,27,198

6,31,97,27,198

6,31,97,27,198

6,31,97,27,198

6,31,97,27,198

6,25,10,467

1,30,99,371

3,679 —

2,15,26,867

9,71,40,385

9,71,40,385

9,71,40,385

9,71,40,385

9,71,40,385 —

3,78,72,039

1,33,96,106

11,15,231

13,47,713

2,64,16,212

8,01,47,301

8,01,47,301

8,01,47,301

8,01,47,301

8,01,47,301 —

1,69,93,084

1,69,93,084

1,69,93,084

1,69,93,084

1,69,93,084

1,69,93,084

1,69,93,084

1,69,93,084

1,69,93,084

1,69,93,084

6,22,25,86,813

6,22,25,86,813

6,22,25,86,813

6,22,25,86,813

6,22,25,86,813

o; j

if{?=

cg';"rL

$=!#

Page 34: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

34 jflif{s k|ltj]bg @)^#÷^$

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

;'/If0fsf cfwf/df shf{, ;fk6 / laN; vl/b-@)^$ ;fn cfiff9 d;fGt_

s_s _s _s _s _ ;'/lIft;'/lIft;'/lIft;'/lIft;'/lIft

3,55,55,03,322 !_ rn÷crn ;DklQsf] ;'/If0fdf 5,52,05,94,553

23,44,86,674 @_ :jb]zL Ohfht k|fKt ;+:yfsf] hdfgtdf 43,94,69,028

– #_ ;/sf/L hdfgtdf –

– $_ cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf –

3,44,00,438 %_ lgof{t sfuhftsf] ;'/If0fdf 7,69,51,701

– ^_ d'2tL /l;bsf] ;'/If0fdf –24,51,953 s_ cfˆg} a}+ssf] d'2tL /l;bsf] ;'/If0fdf 4,96,46,2216,82,423 v_ cGo Ohfht k|fKt ;+:yfsf] d'2tL /l;bsf] ;'/If0fdf 2,42,76,453

– &_ ;/sf/L C0fkqsf] ;'/If0fdf –

– *_ sfpG6/ hdfgtdf –

– (_ JolQmut hdfgtdf –

4,17,45,183 !)_ cGo ;'/If0fdf 20,87,89,242

– v _v _v _v _v _ c;'/lIftc;'/lIftc;'/lIftc;'/lIftc;'/lIft –

3,86,92,69,9933,86,92,69,9933,86,92,69,9933,86,92,69,9933,86,92,69,993 hDdf -s±v_hDdf -s±v_hDdf -s±v_hDdf -s±v_hDdf -s±v_ 6,31,97,27,1986,31,97,27,1986,31,97,27,1986,31,97,27,1986,31,97,27,198

cg';"rL $=!#s

Page 35: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

35jflif{s k|ltj]bg @)^#÷^$

l:y/ ;DklQ

-@)^$

;fn

cfiff9 d;fGt_

cg';"rL

$=!$

1=

1=

1=

1=

1=

k/ndf]n

k/ndf]n

k/ndf]n

k/ndf]n

k/ndf]n

4,38,57,425

-s_

ut jif{sf] df}Hbft

—1,38,01,160

—3,06,39,233

93,94,718

5,38,35,111

1,08,04,364

-v_

o; jif{ yk

—77,77,979

— 73,27,282

11,44,581

1,62,49,842

—-u_

o; jif{ k'gd"{Nof°g÷k'gn]{vg

——

——

——

8,26,678

-#_

o; jif{sf] laqmL

——

— 1,07,500

—1,07,500

—ñ_

o; jif{sf] ckn]vg

——

——

——

5,38,35,112

5,38,35,112

5,38,35,112

5,38,35,112

5,38,35,112

s'n k/ndf]n -s®v®u

s'n k/ndf]n -s®v®u

s'n k/ndf]n -s®v®u

s'n k/ndf]n -s®v®u

s'n k/ndf]n -s®v®u

—#### #

—ñ_

ñ_

ñ_

ñ_

ñ_

—2,15,79,139

2,15,79,139

2,15,79,139

2,15,79,139

2,15,79,139

— 3,78,59,015

3,78,59,015

3,78,59,015

3,78,59,015

3,78,59,015

1,05,39,299

1,05,39,299

1,05,39,299

1,05,39,299

1,05,39,299

6,99,77,453

6,99,77,453

6,99,77,453

6,99,77,453

6,99,77,453

—2= x|f; s§L

2= x|f; s§L

2= x|f; s§L

2= x|f; s§L

2= x|f; s§L

——

——

1,49,50,717

-s_

ut jif{;Ddsf]

—39,36,320

—1,32,25,368

47,69,813

2,19,31,501

74,10,656

-v_

o; jif{sf]

29,47,123

—55,11,841

20,17,497

1,04,76,461

—-u_

x|f;s§L k'gd"{Nof°g÷k'gn]{vg

——

——

4,29,872

-#_

x|f;s§L ;dfof]hg÷ckn]vg

——

—55,535

—55,535

21931501

21931501

21931501

21931501

21931501

s'n x|f;s§L -s®v

s'n x|f;s§L -s®v

s'n x|f;s§L -s®v

s'n x|f;s§L -s®v

s'n x|f;s§L -s®v

—uuuu u

—#_

#_

#_

#_

#_

—68

,83,443

68,83,443

68,83,443

68,83,443

68,83,443

—1,87,37,209

1,87,37,209

1,87,37,209

1,87,37,209

1,87,37,209

67,87,310

67,87,310

67,87,310

67,87,310

67,87,310

3,23,52,427

3,23,52,427

3,23,52,427

3,23,52,427

3,23,52,427

3,19,03,611

3,19,03,611

3,19,03,611

3,19,03,611

3,19,03,611

3=

3=

3=

3=

3=

a's Eofn' -1

a's Eofn' -1

a's Eofn' -1

a's Eofn' -1

a's Eofn' -1

—2_2_2_2_ 2_

—1,46,95,696

1,46,95,696

1,46,95,696

1,46,95,696

1,46,95,696

—1,91,21,806

1,91,21,806

1,91,21,806

1,91,21,806

1,91,21,806

37,51,989

37,51,989

37,51,989

37,51,989

37,51,989

3,76,25,026

3,76,25,026

3,76,25,026

3,76,25,026

3,76,25,026

—4=

hUuf

4=

hUuf

4=

hUuf

4=

hUuf

4=

hUuf

——

——

——

—5= k¤'hLut

lgdf{)f

-kÚ¤hLs/)f

ul/g'kg]{_

5= k¤'hLut

lgdf{)f

-kÚ¤hLs/)f

ul/g'kg]{_

5= k¤'hLut

lgdf{)f

-kÚ¤hLs/)f

ul/g'kg]{_

5= k¤'hLut

lgdf{)f

-kÚ¤hLs/)f

ul/g'kg]{_

5= k¤'hLut

lgdf{)f

-kÚ¤hLs/)f

ul/g'kg]{_

——

——

77,88,878

77,88,878

77,88,878

77,88,878

77,88,878

6= nLh xf]N* ;DklQ

6= nLh xf]N* ;DklQ

6= nLh xf]N* ;DklQ

6= nLh xf]N* ;DklQ

6= nLh xf]N* ;DklQ

——

——

90,42,075

90,42,075

90,42,075

90,42,075

90,42,075

90,42,075

3,96,92,489

3,96,92,489

3,96,92,489

3,96,92,489

3,96,92,489

hDdf

-3®4®5®6_

hDdf

-3®4®5®6_

hDdf

-3®4®5®6_

hDdf

-3®4®5®6_

hDdf

-3®4®5®6_

—1,46,95,696

1,46,95,696

1,46,95,696

1,46,95,696

1,46,95,696

—1,27,94,064

1,27,94,064

1,27,94,064

1,27,94,064

1,27,94,064

4,66,67,101

4,66,67,101

4,66,67,101

4,66,67,101

4,66,67,101

ejg

kl/j

xg ;

fwg

d]lzg/

Lsfof{n

o ;f

dfg

cGo

;DklQ

ut j

if{ ?=

ljj/

0fo;

jif{

?=

u}/ a}+lsª ;DklQ

-@)^# ;fn

cfiff9 d;fGt_

k|ltz

t/s

d ?=

3f6f J

oj:y

fu}/

a}+ls

· ;D

klQ

?

3f6f J

oj:y

fC

0fL

jf k

f6L{s

f] gfd

7]ufgf

u}/ a

}+lsª

;DklQ

;sf/ u

/]sf] ldlt

4,80,097

c^f] x^

14=07=2005

9,60,195

75%

7,20,146

2,40,049

—lgzf yfkf If]qL, sf&df*f}+

22=08=2006

1,32,44,400

25%

33,11,100

99,33,300

hDdf

hDdf

hDdf

hDdf

hDdf

1,42,04,595

1,42,04,595

1,42,04,595

1,42,04,595

1,42,04,595

40,31,24

640,31,24

640,31,24

640,31,24

640,31,24

61,01,73,349

1,01,73,349

1,01,73,349

1,01,73,349

1,01,73,349

cg';"rL

$=!%

v'b

u}/ a

}+ls·

;DklQ

ut j

if{ ?=

Page 36: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

36 jflif{s k|ltj]bg @)^#÷^$

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

cGo ;DklQ -yk ljj/0f_-@)^$ ;fn cfiff9 d;fGt_

cg';"rL $=!^

cGo ;DklQ-@)^$ ;fn cfiff9 d;fGt_

– 1= d;nGb df}Hbft –

75,86,340 2= nufgLdf c;'n ug{ af¤sL cfDbfgL 18,82,879

1,85,99,299 3= shf{df c;'n ug{ af¤sL Aofh 2,06,31,111 –

-95,50,181_ -—_Go'g Aofh d'NtjL /sd 2,06,31,111 –

– 4= c;'n ug{ af¤sL sld;g – –

– 5= ;G*<L *]̂ ;{ – –

– 6= sd{rf/L ;fk^L / k]:sL – –

8,05,197 7= clu|d e'QmfgL – 19,15,822

– 8= dfu{:y gub – –

2,82,68,901 9= dfu{:y cGo -r]s;d]t_ – 3,71,08,938

– 10= lagf ;"rgf *<fk\m^sf] e'QmfgL – –

87,34,619 11= ckn]vg x'g af¤sL vr{ – 54,99,357

– 12= zfvf ldnfg lx;fa – 22,56,247

62,70,520 13= cGo – 1,47,12,749

6,07,14,6956,07,14,6956,07,14,6956,07,14,6956,07,14,695 hDdfhDdfhDdfhDdfhDdf 6,33,75,992 6,33,75,992 6,33,75,992 6,33,75,992 6,33,75,992

cg';"rL $=!^s

ljj/0f

1,85,99,299 1= shf{df c;'n ug{ af¤sL Aofh 1,75,27,607 31,03,504 – 2,06,31,111

– 2= lagf ;"rgf *<fk\m^sf] e'QmfgL – – – –

– 3= zfvf ldnfg lx;fa 22,56,247 – – 22,56,247

1,85,99,2991,85,99,2991,85,99,2991,85,99,2991,85,99,299 hDdfhDdfhDdfhDdfhDdf 1,97,83,8541,97,83,8541,97,83,8541,97,83,8541,97,83,854 31,03,50431,03,50431,03,50431,03,50431,03,504 – 2,28,87,3582,28,87,3582,28,87,3582,28,87,3582,28,87,358

ut jif{ ?=

o; jif{ ?=

! jif{;Dd ! b]lv# jif{;Dd

# jif{eGbfdfly

hDdf

Page 37: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

37jflif{s k|ltj]bg @)^#÷^$

;Defljt bfloTjx¿-@)^$ ;fn cfiff9 d;fGt_ cg';"rL $=!&

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

bfloTj :jLsf/ gu/]sf] –

– 2= k|lttkqx¿ -k"/f /sd_ –

35,95,06,981 -s_ 6 dlxgfeGbf sd cjlwsf] 58,94,01,784-v_ 6 dlxgfeGbf a(L cjlwsf] 9,20,862

– 3= k'gM l*:sfpG^ ul/Psf lanx? –

– 4= Dofb gfl#g;s]sf] Uof/]G^L÷aG* –

60,63,500 -s_ la* aG* 1,54,45,62529,89,20,062 -v_ k/km/d]G; aG* 62,08,00,159

– -u_ cGo Uof/])^L÷aG* –

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

– 6= km/jf*{ PS:r]Gh sG^<fS^sf] af¤sL bfloTjx? 1,76,69,5634,94,54,117 7= sn]S;gdf /x]sf lanx? 4,30,49,9887,15,58,326 8= d+h'/L tyf ;dy{g 18,24,53,911

– 9= k|Tofe"lt k|ltj$tf –– 10= ckl/jTo{ shf{ k|ltj$tf –– 11= cGt/f{li^<o >])fLs[t a}+ssf] sfpG^/ –

Uof/]G^Ldf lbPsf] Uof/]G^L1,75,79,400 12= clu|d e'QmfgL Uof/]G^L 2,93,93,585

– 13= shf{ k|jfxsf] nflu ljQLo hdfgt –

– 14= cfos/afkt ;Defljt bfloTj –

– 15= cGo –

80,30,82,38680,30,82,38680,30,82,38680,30,82,38680,30,82,386 hDdfhDdfhDdfhDdfhDdf 1,49,91,35,4771,49,91,35,4771,49,91,35,4771,49,91,35,4771,49,91,35,477

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

Page 38: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

38 jflif{s k|ltj]bg @)^#÷^$

Aofh cfDbfgL-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

28,53,43,29628,53,43,29628,53,43,29628,53,43,29628,53,43,296 s=s=s=s=s= shf{, ;fk^ / clwljsif{dfshf{, ;fk^ / clwljsif{dfshf{, ;fk^ / clwljsif{dfshf{, ;fk^ / clwljsif{dfshf{, ;fk^ / clwljsif{df 40,27,55,84040,27,55,84040,27,55,84040,27,55,84040,27,55,84022,51,77,526 1= shf{ tyf ;fk^ 30,45,99,7756,01,65,771 2= clwljsif{ 9,81,56,065

1,48,21,2391,48,21,2391,48,21,2391,48,21,2391,48,21,239 v= nufgLdfv= nufgLdfv= nufgLdfv= nufgLdfv= nufgLdf 6,80,07,4256,80,07,4256,80,07,4256,80,07,4256,80,07,4251,48,21,239 1= g]kFn ;/sf/sf] ¥)fkq 1,37,73,1381,45,65,728 -s_ ^]<h/L laN; 1,35,18,326

2,55,511 -v_ ljsf; ¥)fkq 2,54,812– -u_ /fli <̂o artkq –

– 2= ljb]zL ¥)fkq –

– -s_ =========== –

– -v_ ====== –

– 3= g]kfn /fi^< a}+ssf] ¥)fkq –

– 4= l*a]Gr/ tyf a)* –

– 5= cGt/ a}+s shf{sf] Aofh 5,42,34,287– -s_ a}+s÷ljQLo ;+:yfx? –

– -v_ cGo ;+:yfx? –

85,72885,72885,72885,72885,728 u= Ph]G;L df}Hbftdfu= Ph]G;L df}Hbftdfu= Ph]G;L df}Hbftdfu= Ph]G;L df}Hbftdfu= Ph]G;L df}Hbftdf 99,80199,80199,80199,80199,801– 1= :jb]zL a}+s÷ljQLo ;+:yfx? –

85,728 2= ljb]zL a}+sx? 99,801

53,10,63353,10,63353,10,63353,10,63353,10,633 #= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf#= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf#= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf#= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf#= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf 1,03,73,4671,03,73,4671,03,73,4671,03,73,4671,03,73,46723,49,927 1= :jb]zL a}+s÷ljQLo ;+:yfx? 17,77,63929,60,706 2= ljb]zL a}+sx? 85,95,828

– ñ= cGodfñ= cGodfñ= cGodfñ= cGodfñ= cGodf 2,87,274 2,87,274 2,87,274 2,87,274 2,87,274– 1= ;l^{lkms]^ ckm l*kf]lh^ –

– 2= cGt/ a}+s÷ljQLo ;+:yf shf{ 2,87,274– 3= cGo

30,55,60,89630,55,60,89630,55,60,89630,55,60,89630,55,60,896 hDdfhDdfhDdfhDdfhDdf 48,15,23,80748,15,23,80748,15,23,80748,15,23,80748,15,23,807

cg';"rL $=!*

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

Page 39: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

39jflif{s k|ltj]bg @)^#÷^$

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

Aofh vr{-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

14,28,71,77614,28,71,77614,28,71,77614,28,71,77614,28,71,776 s=s=s=s=s= lgIf]k bfloTjdflgIf]k bfloTjdflgIf]k bfloTjdflgIf]k bfloTjdflgIf]k bfloTjdf 26,31,96,62226,31,96,62226,31,96,62226,31,96,62226,31,96,6227,78,51,3527,78,51,3527,78,51,3527,78,51,3527,78,51,352 1=1=1=1=1= d'@tL lgIf]kd'@tL lgIf]kd'@tL lgIf]kd'@tL lgIf]kd'@tL lgIf]k 11,88,07,59511,88,07,59511,88,07,59511,88,07,59511,88,07,5957,71,13,774 1=1 :jb]zL d'b|f 11,80,68,4767,37,578 1=2 ljb]zL d'b|f 7,39,119

3,14,96,1533,14,96,1533,14,96,1533,14,96,1533,14,96,153 2=2 =2 =2 =2 = art lgIf]kart lgIf]kart lgIf]kart lgIf]kart lgIf]k 6,29,68,5306,29,68,5306,29,68,5306,29,68,5306,29,68,5303,14,10,905 2=1 :jb]zL d'b|f 6,26,70,074

85,248 2=2 ljb]zL d'b|f 2,98,4563,35,24,2713,35,24,2713,35,24,2713,35,24,2713,35,24,271 3=3 =3 =3 =3 = dfu]sf] avt ltg'{kg]{ lgIf]kdfu]sf] avt ltg'{kg]{ lgIf]kdfu]sf] avt ltg'{kg]{ lgIf]kdfu]sf] avt ltg'{kg]{ lgIf]kdfu]sf] avt ltg'{kg]{ lgIf]k 8,14,20,4978,14,20,4978,14,20,4978,14,20,4978,14,20,4973,35,06,912 3=1 :jb]zL d'b|f 7,77,06,864

17,359 3=2 ljb]zL d'b|f 37,13,6334= ;l^{lkms]^ ckm l*kf]lh^\;4= ;l^{lkms]^ ckm l*kf]lh^\;4= ;l^{lkms]^ ckm l*kf]lh^\;4= ;l^{lkms]^ ckm l*kf]lh^\;4= ;l^{lkms]^ ckm l*kf]lh^\; –

1,08,37,1861,08,37,1861,08,37,1861,08,37,1861,08,37,186 v= shf{ ;fk^dfv= shf{ ;fk^dfv= shf{ ;fk^dfv= shf{ ;fk^dfv= shf{ ;fk^df 85,14,32885,14,32885,14,32885,14,32885,14,328– 1= ¥)fkq tyf aG* –

1,11,589 2= g]kfn /fi^< a}+saf^ k|fKt shf{ 4,75,4711,07,25,597 3= cGt/ a}+s÷ljQLo ;+:yf shf{ 80,38,857

– 4= cGo ;+ul&t ;+:yf –

– 5= cGo shf{ –

– u=u=u=u=u= cGodfcGodfcGodfcGodfcGodf –

15,37,08,96215,37,08,96215,37,08,96215,37,08,96215,37,08,962 hDdfhDdfhDdfhDdfhDdf 27,17,10,95027,17,10,95027,17,10,95027,17,10,95027,17,10,950

cg';"rL $=!(

sld;g tyf l8:sfpG6-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

33,04,98833,04,98833,04,98833,04,98833,04,988 s=s=s=s=s= laN; vl/b tyf l*:sfpG^laN; vl/b tyf l*:sfpG^laN; vl/b tyf l*:sfpG^laN; vl/b tyf l*:sfpG^laN; vl/b tyf l*:sfpG^ 31,10,838 31,10,838 31,10,838 31,10,838 31,10,83833,04,988 1= :jb]zL 31,10,838

– 2= ljb]zL –

1,02,87,8801,02,87,8801,02,87,8801,02,87,8801,02,87,880 v= sld;gv= sld;gv= sld;gv= sld;gv= sld;g 1,58,16,9421,58,16,9421,58,16,9421,58,16,9421,58,16,94256,51,783 1= k|lttkq 72,93,76132,44,027 2= hdfgtkq 55,12,7435,80,080 3= sn]S;g kmL 13,72,4466,02,179 4= /]ld^]G; kmL 13,44,829

– 5= q]ml*^ sf*{ –

– 6= z]o/ k|Tofe"lt÷lgisf;g –

– 7= ;/sf/L sf/f]af/afkt –

2,09,811 8= Ph]G;L sld;g 2,93,163– 9= a§f cfDbfgL –

1,81,7771,81,7771,81,7771,81,7771,81,777 u= cGou= cGou= cGou= cGou= cGo 12,50,02212,50,02212,50,02212,50,02212,50,0221,37,74,6451,37,74,6451,37,74,6451,37,74,6451,37,74,645 hDdfhDdfhDdfhDdfhDdf 2,01,77,8022,01,77,8022,01,77,8022,01,77,8022,01,77,802

cg';"rL $=@)

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

Page 40: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

40 jflif{s k|ltj]bg @)^#÷^$

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

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

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

;6xL 36a9 cfDbfgL÷-gf]S;fg_-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

35,61,470 -s_ ljlgdo b/df ePsf] km/saf^ 7,54,541

84,89,300 -v_ ljb]zL d'b|f sf/f]af/af^ -a§fafx]s_ 1,34,91,112

1,20,50,7701,20,50,7701,20,50,7701,20,50,7701,20,50,770 hDdf cfDbfgL÷-gf]S;fg_hDdf cfDbfgL÷-gf]S;fg_hDdf cfDbfgL÷-gf]S;fg_hDdf cfDbfgL÷-gf]S;fg_hDdf cfDbfgL÷-gf]S;fg_ 1,42,45,6531,42,45,6531,42,45,6531,42,45,6531,42,45,653

sd{rf/L vr{-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

1,74,12,684 1= tna 2,09,11,587

68,14,364 2= eQf 93,28,574

11,07,356 3= ;+rosf]ifdf yk 14,43,374

2,84,361 4= tflnd vr{ 3,58,627

— 5= kf];fs —

1,06,647 6= cf}ifwf]krf/ 7,27,366

— 7= ladf 82,852— 8= k]G;g tyf pkbfg —

3,62,050 9= cGo 7,68,126

2,60,87,4622,60,87,4622,60,87,4622,60,87,4622,60,87,462 hDdfhDdfhDdfhDdfhDdf 3,36,20,5063,36,20,5063,36,20,5063,36,20,5063,36,20,506

cGo ;+rfng cfDbfgL-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

— 1= ;]km l*kf]lh^ eN^sf] ef*f 83,250— 2= q]ml*^sf*{ lgisf;g tyf gjLs/)f —

— 3= *]la^ sf*{ lgisf;g tyf gjLs/)f —

16,03,650 4= ]̂n]S;÷^L=^L= 25,12,63869,02,238 5= ;]jf z'Ns 1,50,44,091

— 6= gjLs/)f z'Ns —

11,95,58411,95,58411,95,58411,95,58411,95,584 7= cGo 10,19,11610,19,11610,19,11610,19,11610,19,1164,03,932 s_ ef*faf^ cfDbfgL 4,16,0257,91,652 v_ cGo cfDbfgL 6,03,091

97,01,47297,01,47297,01,47297,01,47297,01,472 hDdfhDdfhDdfhDdfhDdf 1,86,59,0951,86,59,0951,86,59,0951,86,59,0951,86,59,095

cg';"rL $=@!

cg';"rL $=@@

cg';"rL $=@#

Page 41: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

41jflif{s k|ltj]bg @)^#÷^$

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

cGo ;+rfng vr{-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

69,43,630 1= #/ef*f 92,73,99714,45,815 2= aQL, ljh'nL / kfgL 19,92,781

— 3= dd{t tyf ;Def/ —

40,800 -s_ ejg 2,09,8812,12,465 -v_ ;jf/L ;fwg 2,74,3274,71,389 -u_ cGo 5,44,90810,50,869 4= ladf 19,30,76745,33,540 5= kf]:^]h, ^]n]S;, ^]lnkmf]g, k\mofS; 59,45,4263,49,320 6= sfof{no pks/)f kmlg{r/ / ;Def/ 5,02,8848,37,881 7= e|d)f eQf / vr{ 8,23,917

22,48,079 8= d;nGb / %kfO 18,40,18577,143 9= kqklqsf tyf k':ts 82,314

11,17,600 10= lj!fkg 24,02,6631,53,164 11= sfg'gL vr{ 4,58,78246,405 12= rGbf 88,176

— 13= ;+rfns ;ldlt;DaGwL vr{ —

6,41,950 -s_ a}&s eQf 5,90,8598,50,499 -v_ cGo vr{ 8,76,0465,72,696 14= ;fwf/)f ;ef;DaGwL vr{ 1,70,252

— 15= n]vfk/LIf)f;DaGwL —

1,50,000 -s_ n]vfk/LIf)f z'Ns 1,84,5001,71,608 -v_ cGo vr{ 2,74,130

— 16= /sd :yfgfGt/)f sld;g —

61,13,571 17= :yL/ ;DklQdf x|f; s§L 85,93,65667,51,009 18= k"j{ ;+rfng vr{{ ckn]vg 86,61,44693,794 19= z]o/ lgisf;g vr{ 1,83,394

— 20= k|fljlws÷k]zfut ;]jf z'Ns tyf Jofkf/ —

7,45,740 21= dgf]/Ghg vr{ 8,02,731– 22= ckn]vg vr{ —

16,51,354 23= ;'/Iff vr{ 26,63,830— 24= shf{ ;'/If)f lk|ldod —

2,76,409 25= sld;g / l*:sfpG^ 2,34,922— 26= cGo —

1,67,817 s_ k]zfut vr{ 3,81,95010,72,192 v_ OGwg vr{ 15,24,70778,447 u_ z'Ns / b:t'/ 2,13,79650,000 #_ /lh:^]<;g z'Ns —

2,93,850 ñ_ P;\;L^L vr{ 7,95,80011,01,376 r_ Hofnf vr{ 14,88,70113,11,196 %_ ;b:otf vr{ 5,33,80018,223 h_ pb\#f^g vr{ 62,523

4,96,648 em_ cGo vr{ (Other Procurement) 4,78,72819,88,114 `_ ljljw 6,34,377

4,41,24,5934,41,24,5934,41,24,5934,41,24,5934,41,24,593 hDdfhDdfhDdfhDdfhDdf 5,57,21,1565,57,21,1565,57,21,1565,57,21,1565,57,21,156

cg';"rL $=@$

Page 42: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

42 jflif{s k|ltj]bg @)^#÷^$

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

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

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

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

;Defljt gf]S;fgL Joj:yf-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

1,62,32,756 1= shf{ gf]S;fgL Joj:yfdf ePsf] j[l$ 1,69,93,084– 2= nufgL gf]S;fgL Joj:yfdf ePsf] j[l$ –

2,40,049 3= u}/ a}lsé ;DklQ gf]S;fgL Joj:yf 35,51,147– 4= cGo ;DklQdf Joj:yf –

1,64,72,8051,64,72,8051,64,72,8051,64,72,8051,64,72,805 hDdfhDdfhDdfhDdfhDdf 2,05,44,2302,05,44,2302,05,44,2302,05,44,2302,05,44,230

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

3,195 2= ;DklQ laqmLaf^ cfDbfgL÷-gf]S;fg_ 35,535– 3= nfef+z –

– 4= g]kfn /fi^< a}+saf^ k|fKt ;x'lnot –

– s= tf]lsPsf] zfvfx¿sf] gf]S;fgafkt Ifltk"lt{ –

– v= Aofh Ifltk"lt{ –

– u= ;^xL sfpG^/ –

– 5= cGo –

3,1953,1953,1953,1953,195 v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 35,53535,53535,53535,53535,535

u}/ ;+rfng cfDbfgL÷-gf]S;fg_-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

– 1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ –

– 2= u}/ a}lsé ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ –

– 3= nufgL Joj:yfaf^ lkmtf{ –

– 4= cGo ;DklQsf] Joj:yfaf^ lkmtf{ –

– hDdfhDdfhDdfhDdfhDdf –

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{-cfly{s jif{ @)^#÷)^$_

c;fdfGo sf/f]af/x¿af6 ePsf] cfDbfgL÷-vr{_-ldlt )! >fj0f @)^# b]lv #@ cfiff9 @)^$ ;Dd_

– 1= ckn]vg ePsf] shf{sf] c;'nL –

– 2= :j]lR%s cjsfz vr{ –

– 3= c;'nL x'g g;Sg] shf{sf] ckn]vg -4=28s_ –

– 4= cGo -vr{_÷cfDbfgL –

– hDdfhDdfhDdfhDdfhDdf –

cg';"rL $=@%

cg';"rL $=@^

cg';"rL $=@&

cg';"rL $=@*

Page 43: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

43jflif{s k|ltj]bg @)^#÷^$

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ut j

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Aofh

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Aofh

-s_

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——

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afFsL

o; j

if{yk

shf

{

cg';"rL

$=@(

ckn]lvt shf{sf] ljj/0f

-cfly{s jif{ @)^#÷)^$_

cg';"rL

$=@*

s

;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyf z]o/ lng]

z]o/wgLx¿nfO{ k|jfx ul/Psf] shf{ ;fk6 ljj/0f -@)^$

cfiff9 d;fGt_

qm=

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ckn]v

g ul/P

sf]

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] k|sf

/lw

tf] d

"Nof°gs

f]sh

f{ :jLs[t

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f nf

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d ?=

tyf /

sdcf

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ug{] c

lwsf

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xeP

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f k|of;

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––

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––

2kl/of]hgf shf{

––

––

––

3l:y/ k'¤hL shf{

––

––

––

4JolQmut shf{

––

––

––

5cGo shf{

––

––

––

s'n shf{

s'n shf{

s'n shf{

s'n shf{

s'n shf{

––

––

––

vl/b

tyf l8

:sfp

G6 u

l/Ps

f lanx¿

/ s

hf{,

;fk6

tyf clwljsif{d

f k|j

flxt

s"n /

sddWo

] ;+rfn

s, sfo

{sf/L k|d

'v, ;+:y

fks, sd{rf/L,

z]o/

xf]N8/x

¿ /

lghx¿

sf] kl/j

f/sf ;b:

o jf To:

tf JolQm hdfg

L a;

]sf]] jf d

}g]lhË

Ph]G6

ePs

f] s'g}

;+:y

f jf s

DkgL

nfO{ u

Psf] /s

dsf] ljj/

0f b

]xfo

adf]lh

d 5

.

Page 44: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

44 jflif{s k|ltj]bg @)^#÷^$

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

k'FhLsf]if tflnsf-@)^$ ;fn cfiff9 d;fGt_

-s_-s_-s_-s_-s_ k|fylds k¤'hLk|fylds k¤'hLk|fylds k¤'hLk|fylds k¤'hLk|fylds k¤'hL 5,93,2445,93,2445,93,2445,93,2445,93,244 7,86,8597,86,8597,86,8597,86,8597,86,8591_ r'Qmf k¤'hL 5,00,000 6,00,0002_ z]o/ lk|ldod – –

3_ lkmtf{ gx'g] cu|flwsf/ z]o/ – –

4_ ;fwf/)f hu]*f sf]if 27,107 46,1685_ ;+lrt gfkmf÷-gf]S;fg_ – –

6_ k¤'hL lkmtf{ hu]*f sf]if – –7_ k¤'hL ;dfof]hg sf]if 74,872 1,46,1918_ cGo :jtGq sf]ifx? – –

#^fpg]MVoflt (Goodwill) afktsf] /sd – –

;LdfeGbf a(L nufgL ul/Psf] /sd – –

cjf:tljs ;DklQ (Fictitious Assets) 8,735 5,499ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL – –

u/]sf] /sd

-v_-v_-v_-v_-v_ k'/s k'¤hLk'/s k'¤hLk'/s k'¤hLk'/s k'¤hLk'/s k'¤hL 39,03539,03539,03539,03539,035 76,96276,96276,96276,96276,9621_ c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf 37,872 75,6102_ ;DklQ k'gd"{Nof°g sf]if – –

3_ xfOla|* k¤'hL pks/)fx? – –

4_ ;'/If)f g/flvPsf] ;xfos cfjlws ¥)f –5_ ;^xL ;dLs/)f sf]if 1,163 1,3526_ cltl/Qm shf{ gf]S;fgL Joj:yf – –

7_ nufgL ;dfof]hg sf]if – –

8_ nufgLdf xfgLafktsf] Joj:yf – –

-u_-u_-u_-u_-u_ hDdf k¤'hLsf]if -s®v_hDdf k¤'hLsf]if -s®v_hDdf k¤'hLsf]if -s®v_hDdf k¤'hLsf]if -s®v_hDdf k¤'hLsf]if -s®v_ 6,32,2796,32,2796,32,2796,32,2796,32,279 8,63,8208,63,8208,63,8208,63,8208,63,820

-#_-#_-#_-#_-#_ hf]lvd efl/t ;DklQhf]lvd efl/t ;DklQhf]lvd efl/t ;DklQhf]lvd efl/t ;DklQhf]lvd efl/t ;DklQ 44,65,02144,65,02144,65,02144,65,02144,65,021 72,97,68772,97,68772,97,68772,97,68772,97,687

ñ_ñ_ñ_ñ_ñ_ hf]lvd efl/t ;DklQsf] cfwf/df sfodhf]lvd efl/t ;DklQsf] cfwf/df sfodhf]lvd efl/t ;DklQsf] cfwf/df sfodhf]lvd efl/t ;DklQsf] cfwf/df sfodhf]lvd efl/t ;DklQsf] cfwf/df sfod – –

ug'{kg]{ Go"gtd k¤'hLsf]ifug'{kg]{ Go"gtd k¤'hLsf]ifug'{kg]{ Go"gtd k¤'hLsf]ifug'{kg]{ Go"gtd k¤'hLsf]ifug'{kg]{ Go"gtd k¤'hLsf]if

k'¤hLsf]if -11 k|ltzt_ 4,91,152 8,02,746k|fylds k¤'hL -5=5 k|ltzt_ 2,45,576 4,01,373

k'¤hLsf]if clws÷sd -clws 0=84 k|ltzt_ 1,41,127 61,075k|fylds k'¤hL clws÷sd -clws 5=28 k|ltzt_ 3,47,668 3,85,486

cg';"rL $=#)-¿= xhf/df_

Page 45: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

45jflif{s k|ltj]bg @)^#÷^$

hf]lvd efl/t ;DklQ ljj/0f tflnsf-@)^$ ;fn cfiff9 d;fGt_ cg';"rL $=#)s

ut jif{ o; jif{

hf]lvdefl/t ;DklQ

/sdhf]lvdefl/t ;DklQ

/sd

s =s =s =s =s = j f;nftadf ] lhdsf ] ;Dk lQjf;nftadf ] lhdsf ] ;Dk lQjf;nftadf ] lhdsf ] ;Dk lQjf;nftadf ] lhdsf ] ;Dk lQjf;nftadf ] lhdsf ] ;Dk lQ

1 gub df}Hbft 0

2 ;'g -ljlgdo of]Uo_ 0

3 g]kfn /fi^< a}+sdf /x]sf] df}Hbft 0

4 g]kfn ;/sf/sf] ¥)fkqdf ul/Psf] nufgL 0

5 g]kfn /fi^< a}+ssf] ¥)fkqdf ul/Psf] nufgL 0

6 cfkm\g} d'@tL /l;bsf] lwtf]df k")f{ ;'/lIft x'g] 0

u/L k|bfg ul/Psf] d'@tL /l;b lwtf] shf{

7 ;/sf/L ¥)fkqsf] lwtf]df k")f{ ;'/lIft x'g] u/L 0

k|bfg ul/Psf] shf{

8 :jb]zL a}+s tyf ljQLo ;+:yfx¿df /x]sf] df}Hbft 20

9 cGo a}+s tyf ljQLo ;+:yfx?sf] d'@tL /l;bsf] 20

lwtf]df k")f{ ;'/lIft x'g] u/L k|bfg ul/Psf]

d'@tL /l;b lwtf] shf{

10 ljb]zL a}+sx?df /x]sf] df}Hbft 20

11 dfu]sf] avt k|fKt x'g] /sd (Money at call) 20

12 cGt/f{li^<o >])fLs[t (Rated) ljb]zL Ohfhtkq k|fKt 20

a}+ssf] Uof/]G^Ldf uPsf] shf{

13 cGt/f{li^<o >])fLs[t ljb]zL a}+sdf u/]sf] cGo nufgL 20

14 z]o/, l*j]Gr/ Pj+ aG*df ePsf] nufgL 100

15 cGo nufgLx? 100

16 shf{, ;fk^ tyf laN; vl/b÷l*:sfpG^ 100

17 l:y/ ;DklQx¿ 100

18 cGo ;a} ;DklQx¿ -v'b clu|d s/ bflvnfafx]s_ 100

19 kfpg'kg]{ cGo v'b Aofh /sd -s'n kfpg'kg]{ 100

Aofh — jrtkqsf] Aofh — Aofh d'NtjL_

hDdf -s_hDdf -s_hDdf -s_hDdf -s_hDdf -s_

v =v =v =v =v = j f;n fta f l x /s f s f / f ] a f / x?j f;n fta f l x /s f s f / f ] a f / x?j f;n fta f l x /s f s f / f ] a f / x?j f;n fta f l x /s f s f / f ] a f / x?j f;n fta f l x /s f s f / f ] a f / x?

1 laN; sn]S;g 0

2 clu|d ljb]zL ljlgdo ;Demf}tf 10

(Forward Foreign Exchange contract)

3 6 dlxgfeGbf sd cjlwsf] k|lttkq -k"/} /sd_ 20

4 cGt/f{li^<o >])fLs[t ljb]zL Ohfhtkq k|fKt ;+:yfsf] 20

sfpG^/ Uof/]G^Ldf hf/L ul/Psf] Uof/]G^L

5 6 dlxgfeGbf a(L cjlwsf] k|lttkq -k"/} /sd_ 50

6 lj*aG* 50

7 k/km/d]G; aG* 50

8 clu|d e'QmfgL Uof/]G^L (Advanced Payment) 100

9 ljQLo hdfgt (Financial Guarantee) 100

10 cGo hdfgt 100

11 ckl/jTo{ shf{ k|lta¢tf (Irrevocable Loan Commitment) 100

12 cfos/afkt ;Defljt bfloTj 100

13 Acceptance ;lxt cGo ;a} k|sf/sf 100

;Defljt bfloTjx¿

hDdf -v_hDdf -v_hDdf -v_hDdf -v_hDdf -v_

hDdf -s®v_hDdf -s®v_hDdf -s®v_hDdf -s®v_hDdf -s®v_

6,49,77,328

4,88,31,305

39,83,64,670

24,51,953

52,27,750

6,82,423

10,00,00,000

11,22,61,500

3,53,000

14,00,00,000

3,86,61,35,617

3,96,92,489

5,28,89,660

87,85,230

4 ,84 ,06 ,52 ,9244 ,84 ,06 ,52 ,9244 ,84 ,06 ,52 ,9244 ,84 ,06 ,52 ,9244 ,84 ,06 ,52 ,924

4,94,54,117

35,95,06,981

60,63,500

29,89,20,062

1,75,79,400

7,15,58,326

80 , 30 ,82 , 38680 , 30 ,82 , 38680 , 30 ,82 , 38680 , 30 ,82 , 38680 , 30 ,82 , 386

5 , 64 , 37 , 35 , 3 105 , 64 , 37 , 35 , 3 105 , 64 , 37 , 35 , 3 105 , 64 , 37 , 35 , 3 105 , 64 , 37 , 35 , 3 10

10,45,550

1,36,485

2,00,00,000

2,24,52,300

3,53,000

14,00,00,000

3,86,61,35,617

3,96,92,489

5,28,89,660

87,85,230

4 , 15 , 14 ,90 , 3 304 , 15 , 14 ,90 , 3 304 , 15 , 14 ,90 , 3 304 , 15 , 14 ,90 , 3 304 , 15 , 14 ,90 , 3 30

7,19,01,396

30,31,750

14,94,60,031

1,75,79,400

7,15,58,326

3 1 , 3 5 , 30 , 9033 1 , 3 5 , 30 , 9033 1 , 3 5 , 30 , 9033 1 , 3 5 , 30 , 9033 1 , 3 5 , 30 , 903

4 ,46 ,50 ,21 , 2 334 ,46 ,50 ,21 , 2 334 ,46 ,50 ,21 , 2 334 ,46 ,50 ,21 , 2 334 ,46 ,50 ,21 , 2 33

13,04,42,580

38,05,63,747

62,19,73,040

4,96,46,221

29,77,590

2,42,76,453

32,42,437

22,94,46,305

2,90,88,521

1,53,52,000

19,50,00,000

6,24,58,04,524

4,66,67,101

8,69,78,614

8 ,06 , 14 , 59 , 1 3 38 ,06 , 14 , 59 , 1 3 38 ,06 , 14 , 59 , 1 3 38 ,06 , 14 , 59 , 1 3 38 ,06 , 14 , 59 , 1 3 3

4,30,49,988

1,76,69,563

58,94,01,784

9,20,862

1,54,45,625

62,08,00,159

2,93,93,585

18,24,53,911

1 ,49 ,91 , 35 ,4771 ,49 ,91 , 35 ,4771 ,49 ,91 , 35 ,4771 ,49 ,91 , 35 ,4771 ,49 ,91 , 35 ,477

9 ,56 ,05 ,94 , 6109 ,56 ,05 ,94 , 6109 ,56 ,05 ,94 , 6109 ,56 ,05 ,94 , 6109 ,56 ,05 ,94 , 610

5,95,518

48,55,291

6,48,487

4,58,89,261

58,17,704

1,53,52,000

19,50,00,000

6,24,58,04,524

4,66,67,101

8,69,78,614

6 , 64 ,76 ,08 ,5006 ,64 ,76 ,08 ,5006 ,64 ,76 ,08 ,5006 ,64 ,76 ,08 ,5006 ,64 ,76 ,08 ,500

17,66,956

11,78,80,357

4,60,431

77,22,813

31,04,00,080

2,93,93,585

18,24,53,911

65 ,00 ,78 , 13265 ,00 ,78 , 13265 ,00 ,78 , 13265 ,00 ,78 , 13265 ,00 ,78 , 132

7 ,29 ,76 ,86 ,6327 ,29 ,76 ,86 ,6327 ,29 ,76 ,86 ,6327 ,29 ,76 ,86 ,6327 ,29 ,76 ,86 ,632

qm= ljj/0f ef/;+= Ü

Page 46: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

46 jflif{s k|ltj]bg @)^#÷^$

1= v'b gfkmf÷s'n cfDbfgL k|ltzt -4=26%_ -19=34%_ 29=25% 19=13% 17=83%

2= k|lt z]o/ cfDbfgL ¿= -0=37_ -8=89_ 20=08 13=05 15=88

3= k|lt z]o/ ahf/ d"No ¿= — — — 360 778=00

4= d"No cfDbfgL cg'kft (PE Ratio) cg'kft — — — 27=59 48=98

5= z]o/ k¤'hLdf nfef+z -af]g;;lxt_ k|ltzt — — — — 15=79%

6= z]o/ k¤'hLdf gub nfef+z e'QmfgL k|ltzt — — — — 0=79%

7= Aofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 1=81% 7=30% 7=49% 7=37% 6=37%

8= sd{rf/L vr{÷s'n ;+rfng vr{ k|ltzt 44=17% 19=68% 14=18% 11=65% 9=31%

9= s'n lgIf]k tyf ;fk^Ldf Aofh vr{ k|ltzt 1=43% 4=60% 3=47% 3=75% 3=85%

10= ;^xL #^a( cfDbfgL÷s'n cfDbfgL k|ltzt — 1=72% 2=98% 3=53% 2=66%

11= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt — — 47=49% 35=09% 41=38%

12= v'b gfkmf÷shf{ ;fk^ k|ltzt — -2=10%_ 2=73% 1=72% 1=53%

13= v'b gfkmf÷s'n ;DklQ k|ltzt — -1=67%_ 2=27% 1=37% 1=20%

14= s'n shf{÷lgIf]k k|ltzt 158=99% 114=95% 104=42% 98=75% 95=39%

15= s'n ;+rfng vr{÷s'n ;DklQ k|ltzt 1=18% 4=50% 4=62% 4=71% 4=54%

16= hf]lvd efl/t ;DklQdf k¤'hLsf]ifsf] kof{Kttf — — — — —

-s_ k|fylds k¤'hL k|ltzt 41=30% 16=04% 12=77% 13=29% 10=78%

-v_ k'/s k¤'hL k|ltzt 0=74% 0=72% 0=87% 0=87% 1=05%

-u_ s'n k¤'hL k|ltzt 42=04% 16=76% 13=64% 14=16% 11=84%

17= t/ntf k|ltzt k|ltzt 6=00% 6=00% 5=21% 5=03 5=07%

18= lglqmo shf{÷s'n shf{ k|ltzt — 4=85% 2=58% 0=87% 0=34%

19= Aofh b/ cGt/ k|ltzt 5=15% 5=53% 4=46% 4=07% 3=57%

20= a's g]^jy{ ¿= 34,87,16,000 31,76,09,000 38,78,89,000 60,31,41,455 79,37,09,939

21= s'n z]o/ ;+Vof 35,00,000 35,00,000 35,00,000 50,00,000 60,00,000

22= s'n sd{rf/L ;+Vof 43 47 56 72 79

k|d'v ;'rsfÍx¿

ljj/0f cfly{s jif{

@)%(÷^) @)^)÷^! @)^!÷^@ @)^@÷^# @)^#÷^$

cg';"rL $=#!

;'rsf°

Page 47: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

47jflif{s k|ltj]bg @)^#÷^$

!= n]vfsf cfwf/x¿ljQLo ljj/0fx¿ n]vfsf ;j{dfGo l;4fGt, g]kfn n]vfdfg tyf sDkgL P]g @)^#, a}+s tyf ljQLo ;+:yf;DaGwLP]g @)^#, g]kfn /fi6« a}+ssf] lgb]{lzsf tyf g]kfnsf] a}+lsË If]qdf /x]sf] k|rngx¿nfO{ ;d]t ;dfj]z u/L g]kfn/fi6« a}+sn] tf]s]sf] 9fFrfdf tof/ kfl/Psf] 5 .

@= Jofh u0fgf ug]{ tl/sflgIf]kdf tyf ;fk6Ldf lbOg] Aofh / shf{ tyf nufgLdf lnOg] AofhnfO{ #^% lbgnfO{ ! jif{sf] cfwf/ dfgL u0fgful/Psf] 5 . ljb]zL d'b|fx¿ h:t}M cd]l/sL 8n/df ul/Psf] nufgLaf6 k|fKt Aofh cfDbfgLnfO{ #^) lbgsf]cfwf/df u0fgf ug]{ ul/Psf] 5 .

#= Aofh, z'Ns tyf sld;g cfDbfgL-s_ shf{ tyf ;fk6Ldf k|fKt Aofhdf kfOPsf] 5'6 (Rebate) 36fO{ g]kfn /fi6« a}+ssf] lgb]{zgcg';f/ gub

k|flKtsf] cfwf/df n]vf+sg ul/Psf] 5 . oBlk Aofh cfonfO{ gub k|flKtsf] cfwf/df n]vf+sg ug]{ k|lqmof g]kfnn]vfdfg & -cfosf] n]vf+sg_ sf] cfonfO{ cfDbfgLsf] cfwf/df n]vf+sg ug'{kg]{ l;4fGt cg'¿k 5}g .

-v_ z'Ns tyf sld;g cfDbfgLnfO{ gub k|flKtsf] cfwf/df cfDbfgL hgfpg] ul/Psf] 5 . t/ Ps jif{eGbf nfdf]cjlwsf] hdfgLaf6 cflh{t ?= !,%),))) -Ps nfv krf; xhf/_ eGbf a9Lsf] sld;gnfO{ cfh{g ePsf]cjlwsf] cfwf/df cfDbfgL hgfpg] ul/Psf] 5 .

-u_ nufgLdf ePsf] Aofh cfDbfgLnfO{ Pj|'mon cfwf/df n]vf+sg ul/Psf] 5 .-3_ nfef+z cfDbfgLnfO{ gub k|flKtsf cfwf/df n]vfÍg ul/Psf] 5 .-ª_ ljQLo ljj/0fx¿df cGoyf pNn]v ul/Psf]df afx]s cGo cfDbfgLx¿ Pj|'mon cfwf/df n]vfÍg ul/Psf]

5 .

$= Aofh vr{lgIf]k tyf ;fk6Ldf lbOg] Aofh vr{nfO{ Ps|"on cfwf/df n]vfÍg ul/Psf] 5 .

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

g]kfnL ?k}ofFdf d'NofÍg u/L ¿kfGt/0f ul/Psf] 5 .-v_ ljb]zL d'b|fsf] sf/f]af/df vl/b tyf laqmL b/sf] leGgtfaf6 ePsf] cfDbfgL /sdnfO{ ;6xL sf/f]af/ cfDbfgL

zLif{sdf n]vfÍg ul/Psf] 5 .-u_ ljb]zL d'b|fsf] ljlgdo b/df ePsf] km/saf6 ePsf] gfkmfnfO{ k'gd"{NofÍg cfDbfgL zLif{sdf n]vfÍg ul/Psf]

5 . g]kfn /fi6« a}+ssf] lgb]{zfg';f/ o:tf] gfkmfsf] @% k|ltztn] x'g] /sd gfkmf–gf]S;fg afF8kmfF8 lx;fadfkm{t;6xL 36a9 sf]ifdf ;fl/Psf] 5 .

^= shf{ tyf ;fk6shf{ tyf ;fk6nfO{ g]kfn /fi6« a}+ssf] lgb]{lzsfg';f/ ;lqmo tyf lgliqmo shf{df juL{s/0f u/L b]vfOPsf] 5 .;lqmo shf{nfO{ k'gM c;n tyf k'g;+/rgf shf{df juL{s/0f ul/Psf] tyf lgliqmo shf{nfO{ sd;n, z+sf:kb tyfv/fa shf{df juL{s/0f u/L ;f]xLcg'¿k sfod ul/Psf] shf{ gf]S;fgL Joj:yf /sdnfO{ s'n shf{ tyf ;fk6/sdaf6 36fO{ v'b shf{ tyf ;fk6 b]vfOPsf] 5 .

&= ;Defljt shf{ gf]S;fgL Joj:yfshf{ tyf ;fk6df lglxt hf]lvdnfO{ Go"gLs/0f ug{ shf{ ;fk6nfO{ g]kfn /fi6« a}+ssf] lgb]{lzsfcg';f/juL{s/0f u/L ;Defljt shf{ gf]S;fgLafktsf] Joj:yf ul/Psf] 5 .

cg';"rL $=#@

k|d'v n]vf gLltx¿

Page 48: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

48 jflif{s k|ltj]bg @)^#÷^$

*= nufgLx¿-s_ ;/sf/L ;'/If0fx¿df u/]sf] nufgLsf] n]vfÍg k/ndf]ndf ul/Psf] 5 .-v_ lwtf]kq ahf/df ;"rLs[t gePsf sDkgLsf] z]o/df ul/Psf] nufgLx¿ k/ndf]ndf n]vf+sg ul/Psf] 5 .-u_ lwtf]kq ahf/df ;"rLs[t ePsf z]o/nfO{ k/ndf]n jf ahf/ d"NodWo] h'g 36L x'G5 ;f]sf] cfwf/df n]vf+sg

ul/Psf] 5 .

(= :yL/ ;DklQ tyf x|f;s§L-s_ :yL/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ffsf cfwf/df x|f; s§f u/L b]vfOPsf] 5 .-v_ :yL/ ;DklQ 36\bf] x|f; k|0ffnL cg';f/ x|f;s§L ul/Psf] 5 . ljleGg ju{sf ;DklQdf lgDg b/x¿df x|f;s§L

ug]{ ul/Psf] 5 .;DklQ;DklQ;DklQ;DklQ;DklQ x|f;s§L b/x|f;s§L b/x|f;s§L b/x|f;s§L b/x|f;s§L b/sfof{no ;+rfng pks/0fx¿ @%ÜsDKo'6/x¿ @%Ükmlg{r/ tyf lkmS;r/x¿ @%Ü;jf/L ;fwgx¿ @)ÜcGo !%Ü

!)= k'FhLs[t gul/Psf ;DklQPs jif{eGbf sd ;do l6Sg] / ÷ jf ?= %,))) eGbf sd d"No /x]sf ;fdfgx¿ k'FhLs[t gu/L vl/b u/]s} jif{dfvr{ n]Vg] ul/Psf] 5 .

!!= u}/ a}+lsÍ ;DklQsf] n]vf+sgu}/ a}+lsÍ ;DklQnfO{ k|rlnt ahf/ d"No jf p7fpg afFsL C0fsf] ;fjfF /sddWo] h'g sd x'G5 ;f]xLcg';f/n]vfÍg ul/Psf] 5 . u}/ a}+lsÍ ;DklQx¿df ;Defljt shf{ gf]S;fgL Joj:yf g]kfn /fi6« a}+ssf] lgb]{lzsfadf]lhdul/Psf] 5 .

!@= ;ˆ6j]o/ vr{;ˆ6j]o/tkm{ ul/Psf] vr{nfO{ k/ndf]ndf n]vfÍg u/L vl/b ul/Psf] ldltaf6 kfFr jif{leq kl/zf]wg ug]{ ul/Psf]5 .

!#= k§fdf lnOPsf] ;DklQ tyf k"j{ ;+rfng vr{x¿-s_ k§fdf lnPsf ;DklQx¿sf] vr{nfO{ kfFr jif{leq jf afFsL /x]sf] k§f cjlwleqdWo] h'g klxn] x'G5 ;f] cjlwdf

bfdf;fxL ¿kn] kl/zf]wg ul/Psf]] 5 .-v_ k"j{;+rfng vr{nfO{ kfFr jif{leq kl/zf]wg ug]{ ul/Psf] 5 .

!$= ljbfafkt ;f]wegf{ tyf cf}ifwf]]krf/ eQfsd{rf/Lx¿nfO{ labfafktsf] ;f]wegf{ tyf cf}ifwf]krf/ eQf a}+ssf] gLltcg'¿k gub e'QmfgL cfwf/df n]vf+sgul/Psf] 5 .

!%= d;nGb tyf 5kfO{sfof{nosf] nflu cfjZos kg]{ d;nGb tyf 5kfO vl/b u/]s} jif{df vr{ n]Vg] ul/Psf] 5 .

!^= cfos/ Joj:yfcfos/ bfloTj cfos/ P]g, @)%* adf]lhd u0fgf ul/Psf] 5 .

!&= ;+efljt bfloTja}+ssf] ;+efljt bfloTjx¿nfO{ jf;nftsf] cleGg c+usf] ¿kdf b]vfOPsf] 5 .

Page 49: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

49jflif{s k|ltj]bg @)^#÷^$

!= lx;fa ldnfg geO{ jSof}tf /x]sf lx;fax¿lx;fa ldnfg (Reconcile) geO{ jSof}tf /x]sf zfvf ldnfg lx;fa / Ph]G;L df}Hbft lx;fasf] lx;fa ldnfgcj:yfaf/] efvf gf3]sf] cjlwcg';f/sf] ;+lIfKt laj/0f lgDgfg';f/ 5–

ljj/0f ! jif{leqsf] ! b]lv # jif{;Ddsf] # jif{eGbf a9Lsf] hDdf

zfvf lx;fa ldnfg $&,)!,@!@ – – $&,)!,@!@Ph]G;L lx;fa $,$^,^&,#*) – – $,$^,^&,#*)

@= o; jif{el/df ljt/0f ul/Psf], c;'nL ul/Psf], ldgfxf ul/Psf] tyf afFsL shf{ ;fk6sf] ljj/0fo; jif{el/df ljt/0f ePsf], c;'nL ePsf] / ldgfxf ul/Psf] shf{ tyf ;fk6sf] laj/0f lgDgfg';f/ 5g\–

ut jif{sf] o; jif{sf] s'n o; jif{sf] s'n ldgfxf afFsL?= ljt/0f ?= c;"nL ?= /sd ?=

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

#= lgIf]k bfloTjdf ePsf] kl/jt{glgIf]k bfloTjcGtu{t k|To]s zLif{sdf jif{el/df kl/jt{g ePsf ljj/0fx¿ lgDgfg';f/ 5g\–

?=b; nfvdflaj/0f o; jif{ utjif{ kl/jt{g -Ü_

rNtL÷dflh{g lgIf ]krNtL÷dflh{g lgIf ]krNtL÷dflh{g lgIf ]krNtL÷dflh{g lgIf ]krNtL÷dflh{g lgIf ]k @@&@@&@@&@@&@@& !@*!@*!@*!@*!@* &&&&&&&&&&s_ :jb]zL d'b|fdf @!$ !@% &!v_ ljb]zL d'b|fdf !# # ###

art lgIf]kart lgIf]kart lgIf]kart lgIf]kart lgIf]k !**!!**!!**!!**!!**! !,!@*!,!@*!,!@*!,!@*!,!@* ^&^&^&^&^&s_ :jb]zL d'b|fdf !,*&@ !,!@) ^&v_ ljb]zL d'b|fdf ( * !#

dfu]sf] jvt ltg'{kg]] { lgIf]kdfu]sf] jvt ltg'{kg]] { lgIf]kdfu]sf] jvt ltg'{kg]] { lgIf]kdfu]sf] jvt ltg'{kg]] { lgIf]kdfu]sf] jvt ltg'{kg]] { lgIf]k !,$(#!,$(#!,$(#!,$(#!,$(# !,)#)!,)#)!,)#)!,)#)!,)#) $ %$ %$ %$ %$ %s_ :jb]zL d'b|fdf !,@## !,)#) @)v_ ljb]zL d'b|fdf @^) – –

d'2tL lgIf]kd'2tL lgIf]kd'2tL lgIf]kd'2tL lgIf]kd'2tL lgIf]k #,)@##,)@##,)@##,)@##,)@# !^#@!^#@!^#@!^#@!^#@ * %* %* %* %* %s_ :jb]zL d'b|fdf #,)!) !,^!& *^v_ ljb]zL d'b|fdf !# !% -!#_

hDdf lgIf ]khDdf lgIf ]khDdf lgIf ]khDdf lgIf ]khDdf lgIf ]k ^,^@%^,^@%^,^@%^,^@%^,^@% #,(!*#,(!*#,(!*#,(!*#,(!* ^(^(^(^(^(

n]vf;DaGwL l6Kk0fLx¿cg';"rL $=##

Page 50: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

50 jflif{s k|ltj]bg @)^#÷^$

$= ef/Lt cf}ift Aofhb/sf] cGt/

ljj/0f k|ltzt

shf{df efl/t cf};t Aofhb/ *=!#lgIf]kdf efl/t cf};t Aofhb/ $=%^v'b efl/t cf}ift Aofh b/ cGt/ #=%&

%= ckn]vg x'g afF+sL vr{x¿sf] laj/0f

ljj/0f k/n df]n ?= ckn]vg vr{ ?= AffFsL ?=

Kf"j{ ;~rfng vr{x¿ !,^%,*!,%!! !,!),*@,!%$ %$,((,#%&;ˆ6j]o/ !,)%,#(,@(( ^&,*&,#!) #&,%!,(*(k§f ljsf; vr{ !,(#,^$,&#! !,)#,@@,^%^ (),$@,)&%

^= hf]lvd clws]Gb|Ls/0fsf] ljj/0f?=b; nfvdf

ljj/0f C0f, ;fk6L tyf lgIf]k / cGo ;DefljtlaN; vl/b ;fk6L bfloTj

#@ ciff9 @)^$ df s'n /sd ^,#@) &,)%% !,$*!Ps OsfOdf ePsf] pRrtd nufgL !#% &## !()Ps OsfOdf ePsf] pRrtd nufgLsf] k|ltzt @ !) !#

Page 51: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

51jflif{s k|ltj]bg @)^#÷^$

&= e'QmfgL cjlwsf] cfwf/df ;DklQ tyf bfloTjx¿sf] juL{s/0f ?= b; nfvdf

ljj/0fljj/0fljj/0fljj/0fljj/0f ! – ()! – ()! – ()! – ()! – () (! – !*)(! – !*)(! – !*)(! – !*)(! – !*) !*! – @&)!*! – @&)!*! – @&)!*! – @&)!*! – @&) @&! – #^%@&! – #^%@&! – #^%@&! – #^%@&! – #^% ! jif{eGbf! jif{eGbf! jif{eGbf! jif{eGbf! jif{eGbf hDdfhDdfhDdfhDdfhDdflbglbglbglbglbg lbglbglbglbglbg lbglbglbglbglbg lbglbglbglbglbg dflydflydflydflydfly

;DklQ;DklQ;DklQ;DklQ;DklQgub df}Hbft !#)=$$ – – – – !#)=$$a}+s df}Hbft #*^=&* – – – – #*^=&*ljb]zL a}+sx¿df ul/Psf] nufgL – – – – – –Gf]kfn ;/sf/sf] C0fkq – – #&#=!$ @$*=*@ #=&& ^@%=&#Z]fo/df dfu ul/Psf] nufgL – – – – !%=#% !%=#%g]kfn /fi6« a}+s C0fkq – – – – – –cGt/ a}+s shf{ $@^=@^ – – @^=#) )=(& $%#=%#C0f,;fk6L tyf laN; vl/b @$$=(* &^)=)$ @$^=@^ $##=$* $^#$=(% ^,#!(=&!cGo ;DklQx¿ &#=%$ – – – $^=^& !@)=@!

hDdf ;DklQhDdf ;DklQhDdf ;DklQhDdf ;DklQhDdf ;DklQ ! ,@^@! ,@^@! ,@^@! ,@^@! ,@^@ &^)=)$&^)=)$&^)=)$&^)=)$&^)=)$ ^!(=$)^!(=$)^!(=$)^!(=$)^!(=$) &)*=^)&)*=^)&)*=^)&)*=^)&)*=^) $,&)!=&!$,&)!=&!$,&)!=&!$,&)!=&!$,&)!=&! *,)%!=&%*,)%!=&%*,)%!=&%*,)%!=&%*,)%!=&%

bfloTjbfloTjbfloTjbfloTjbfloTj;fk6L $#) – – – – $#)rNtL÷dfhL{g lgIf]k (!=!& – – – !#^=$@ @@&=%(art lgIf]k !,#%%=^@ – – – @,)!(=@( #,#&$=(!d'2tL lgIf]k !%=&# ^^=$% @&@=^( &$#=*$ !,(@#=*@ #,)@@=%#C0f kqx¿ – – – – – –cGo bfloTjx¿÷k'FhL / hu]8f sf]if @)#=)@ – – – &(#=&) ((^=&@

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

v'b ljlQo ;DklQv'b ljlQo ;DklQv'b ljlQo ;DklQv'b ljlQo ;DklQv'b ljlQo ;DklQ -*##=%$_-*##=%$_-*##=%$_-*##=%$_-*##=%$_ ^(#=%(^(#=%(^(#=%(^(#=%(^(#=%( #$^=^!#$^=^!#$^=^!#$^=^!#$^=^! -#%=@$_-#%=@$_-#%=@$_-#%=@$_-#%=@$_ -!&!=%@_-!&!=%@_-!&!=%@_-!&!=%@_-!&!=%@_ –––––

;l~rt v'b ljQLo ;DklQ;l~rt v'b ljQLo ;DklQ;l~rt v'b ljQLo ;DklQ;l~rt v'b ljQLo ;DklQ;l~rt v'b ljQLo ;DklQ -*##=%$_-*##=%$_-*##=%$_-*##=%$_-*##=%$_ -!#(=(%_-!#(=(%_-!#(=(%_-!#(=(%_-!#(=(%_ @)^=&^@)^=&^@)^=&^@)^=&^@)^=&^ !&!=%@!&!=%@!&!=%@!&!=%@!&!=%@ ––––– –––––

*= a}+sn] ;'/If0fsf ¿kdf cfkm\gf] ;DklQ lwtf] /fvL ;fk6L lnPsf] 5}g .

(= u}/ a}+lsÍ ;DklQx¿M

ljj/0f /sd -?_

u}/ a}+lsÍ ;DklQsf] ;'? df}Hbft (,^),!(%o; jif{ yk !,#@,$$,$))Go"gM o;jif{sf] ljlqm –Go"gM u}/ a}+lsÍ ;DklQsf] gf]S;fgL Joj:yf $),#!,@$^v'b u}/ a}+lsÍ ;DklQ !,)!,&#,#$(

!)= Aofh d'NtjL lx;fashf{ tyf nufgLsf] Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/df n]vf+sg ul/Psf] 5 . #@ cfifff9 @)^$ df p7\gafFls Aofh ?= @,)^,#!,!!! nfO{ /fi6« a}+ssf] lgb]{lzsfcg';f/ Aofh d'NtjL lx;fadf ;fl/Psf] 5 .

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52 jflif{s k|ltj]bg @)^#÷^$

!!= sd{rf/L af]g; Aoj:yfcf= j= @)^#÷^$ df hf]lvd Joj:yf tyf af]g;kl5sf] gfkmfsf] !) k|ltztn] x'g] /sd ?= !,#(,!#,!*^sd{rf/L af]g;sf] nflu Joj:yf ul/Psf] 5 .

!@= cfos/ lgwf{/0fa}+sn] cf= j= @)%*÷@)%(, @)%(÷)^), @)^)÷)^!, @)^!÷^@ tyf @)^@÷^# sf] cfo ljj/0f bflvnful/;s]sf] t/ s/ sfof{noaf6 clGtd s/ lgwf{/0f eO;s]sf] 5}g . cf= j= @)^#÷^$ sf] s/ n]vfk/LIf0f ;DkGgx'g afFsL 5 .

!#= ;fwf/0f hu]8f sf]ifg]kfn /fi6« a}+ssf] lgb]{lzsfg';f/ v'b d'gfkmfsf] @)Ü /sd ?= !,(),^!,)^% ;fwf/0f hu]8f sf]ifdf :yfgfGt/0ful/Psf] 5 .

!$= k'FhL ;dfof]hg sf]ifg]kfn /fi6« a}+ssf] k'FhL a[l4;DaGwL gofF gLltcg';f/ a}+sn] k|To]s jif{ r'Qmf k'FhL a[4L ub}{ la=;+= @)&) cfiff9d;fGtleq r'Qmf k'FhL sDtLdf ?= ! ca{ ^) s/f]8 k'¥ofpg'kg]{5 . o;} ;Gbe{df a}+sn] g]kfn /fi6« a}+snfO{ cfˆgf]k'FhL a[l4 of]hgf k]z ul/;s]sf] 5 h;cg'¿k o;} cf= j= df @) lsQf z]o/afkt # lsQf af]g; z]o/ hf/L ug]{k|:tfj /fv]sf] 5 . t;y{, g]kfn /fi6« a}+ssf] cl3Nnf] gLltadf]lhd af]g; z]o/ hf/L ug{ v8f ul/Psf] k'FhL;dfof]hg sf]ifnfO{, a}+sn] pkof]u ug{ ;'? u/]sf] 5 .

!%= pkbfg Joj:yfcfly{s jif{ @)^#÷^$ df sd{rf/Lx¿sf] nflu pkbfgafktsf] Joj:yf ul/Psf] 5}g .

!^= sd{rf/L cfjf; ;fk6L Joj:yf>d P]g @)$* adf]lhd sd{rf/Lx¿sf] nflu cfjf;sf] lgldQ sf]ifsf] Joj:yf ul/Psf] 5}g .

!&= a}+s df}Hbftu|fxsx¿n]] ljk|]if0f u/]sf] t/ e'QmfgL eOg;s]sf] (draft issued but not presented) /sd ?= !,)(,!),)^* nfO{cGo bfloTj cGtu{t a}+s df}Hbftdf b]vfOPsf] 5 .

!(= ;dfof]hg÷ljut jif{sf] c+sx¿c+sx¿nfO{ lgs6td ?k}ofFdf kl/jt{g u/L b]vfOPsf 5g\ . Uft jif{sf] c+sx¿ cfjZostfg';f/ k'g{juL{s/0f tyfk'g{n]vg ul/Psf] 5 .

Page 53: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

53jflif{s k|ltj]bg @)^#÷^$

ljz]if k|:tfj;Fu ;DalGwt k|:tfljt ;+zf]wgsf] ljj/0fM

k|aGw–kqsf]

% -v_

% -u_

;fljs ljj/0f

a}+ssf] tTsfn hf/L k'FhL?= *),)),)),)))-c;L s/f]8 ?k}ofF_ x'g]5 .

a}+ssf] tTsfn r'Stf k'FhL?= ̂ ),)),)),)))-;f¶L s/f]8 ?k}ofF_ x'g]5 .

;+zf]lwt ljj/0f

a}+ssf] tTsfn hf/L k'FhL?= *@,*),)),)))-aof;L s/f]8 c;L nfv ?k}ofF_x'g]5 .

a}+ssf] tTsfn r'Qmf k'FhL?= *@,*),)),)))-aof;L s/f]8 c;L nfv ?k}ofF_x'g]5 .

;+zf]wg ug'{kg]{ sf/0f

af]g; z]o/ tyf xsk|b z]o/ hf/Lu/L k'FhL j[l4 ug'{kg]{ ePsf]n] .

af]g; z]o/ tyf xsk|b z]o/ hf/Lu/L k'FhL j[l4 ug'{kg]{ ePsf]n] .

jflif{s k|ltj]bg k|sflzt ug{ :jLs[lt k|bfg ug]{ qmddf g]kfn /fi6« a}+saf6 lbOPsf] lgb]{zg

To; a}+ssf] cfly{s jif{ @)^#÷^$ sf] jf;nft, gfkmf–gf]S;fg lx;fa / ;f] ;DalGwt cg';"rLx¿;lxtsf] jflif{s ljQLoljj/0fx¿ tkl;n adf]lhdsf lgb]{zg÷hfgsf/L;lxt k|sflzt ug{ tyf k|:tfljt gub nfef+z tyf af]g; z]o/ jflif{s;fwf/0f ;efaf6 :jLs[lt ePsf] cfwf/df ljt/0f ug]{ u/L :jLs[lt k|bfg ul/Psf] Joxf]/f lg0f{ofg';f/ cg'/f]w ub{5' .

tkl;na}+sn] cGo a}+sx¿;Fu credit purchase ubf{ cjnDag ug''{kg]{ k|lj|mofdf sdL–sdhf]/L /x]sf] b]lvg cfPsf] x'Fbfb]xfoadf]lhdsf lgb]{zg lbOPsf] 5 .s= shf{ td;'s tyf cGo cfjZos sfuhft u/L u|fxsaf6 c;'n pk/ ug{ ;Sg] ;Dk"0f{ clwsf/ sfod ug'{x'g .v= shf{ vl/b ubf{ shf{sf] lsl;d nufotsf ;Dk"0f{ hfgsf/L lnP/ dfq shf{ vl/b ug'{x'g .u= ;DalGwt u|fxssf] gfddf shf{ sfod u/L shf{ vl/b ubf{ /x]sf] shf{sf] e'QmfgL ldlt sfod ug'{x'g .3= g]=/f=a}= lgb]{zgdf /x]sf] Joj:yfcg';f/ vl/bstf{n] shf{;DaGwL ;Dk"0f{ clwsf/ lng'kg]{ tyf sy+sbflrt\

vl/bstf{n] shf{sf] e'QmfgL ldltkZrft\ shf{ p7fpg g;s]df dfq repurchase ug'{kg]{ cj:yf ;[hgf x'g'kg]{dfa}+ssf] vl/b ;Demf}tf g]kfn /fi6« a}+ssf] lgb]{zgcg'¿k cfjZos ;+zf]wg ug'{x'g .

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54 jflif{s k|ltj]bg @)^#÷^$

Joj:yfkg ;d"x

zDe' gfy uf}tdlgldQ k|d'v sfo{sf/L clws[t

;'Gb/ k|;fb s8]n /fd]Zj/ k|;fb a:ofn z]/axfb'/ a'9fyf]sLjl/i7 k|aGws– ;+rfng k|d'v– ahf/ Joj:yf k|aGws– shf{

hLjg e§/fO{ z}n]hf 1jfnL O{/f k|wfgk|aGws– ;+rfng / sf]if k|aGws– ahf/ Joj:yf ;Dks{– k|aGws

k|j]z zfSo k+sh kGtk|aGws– ;"rgf k|ljlw k|aGws– u|xfs ;]jf

nId0f ;'Aaf hLjg afa' >]i7 dgf]x/ s]= ;L=zfvf k|aGws– lj/f6gu/ zfvf k|aGws– jL/u+h zfvf k|aGws– kf]v/f

lk|lt l;+x czf]s pkfWofo k|lbk kGtzfvf k|aGws– lqk'/]Zj/ k|d'v ;+rfng– gofF ;8s zfvf k|aGws– bds

/hlgz bfxfncfGtl/s n]vfk/LIfs

Page 55: jflif{s k |ltj ]bg @)^#÷^$ - Siddhartha Bank · 2014-03-19 · jflif{s k |ltj ]bg @)^#÷^$ 3 l;4fy{ a }+s lnld6 ]8sf z ]o/wgL dxfg 'efjx¿nfO {56f} }“ jflif {s ;fwf/0F ;efsf ];rgf"

55jflif{s k|ltj]bg @)^#÷^$

New Road Branch: Tel. 01-4223379,4224616,4239535Tripureshwor Branch: Tel. 01-4232504,4232509

Birgunj Branch: Tel. 051-531011,531022,531033Biratnagar Branch: Tel. 021-

532901,532902,532903Pokhara Branch: Tel. 061-551338,551405Damak Branch: Tel. 023-585127,692802

CORPORATE OFFICE130/23, Teen Dhara Road, P.O. Box: 13806, Kamaladi, Kathmandu

Tel. 01-4442919, 4442920, Fax. 977-1-4442921, Tlx. 2757 SBL NP, Swift-SIDDNPKA

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