;of{ nfOkm OG:of]/]G; sDkgL lnld6]8 - Surya Lifesuryalife.com/assets/nav_img/Annual_Report_207172.pdf · ... { nfOkm OG:of]/]G; sDkgL lnld6]8 Surya Life Insurance Company Limited

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;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8Surya Life Insurance Company Limited

tkfO{sf] eljio, xfd|f] cleef/f

Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@

Your Future, Our Responsibility

;+rfns ;ldlt cWoIf >L /fdafa' kGt g]kfn /fi6« a}+sdf @% aif{ sfo{/t /xg' ePsf] / ;f] cjlwdf kfFr aif{ 8]k'6L ue{g/ /xg' ePsf] lyof] . a}+lsË If]qsf] nfdf] cg'ej xfl;n ug'{ ePsf pxfF xfn cfO{=l;=Pkm=l;= ljlQo ;+:yfsf] k|d'v sfo{sf/L clws[t x'g'x'G5 .

sDkgLsf] ;+rfns /xg' ePsf >L x]dGt gfxf6f Jofkf/ Joj;fosf] If]qdf ;lqmo JolQmTj x'g'x'G5 . xlg OG6/k|fOh]h k|f=ln= nufotsf sDkgLdf cfj4 /xg' ePsf pxfFn] aLdf tyf a}+sdf ;+rfns eO{ sfo{ ug'{ ePsf] 5 . s}nfz lasf; a}+sdf ;+rfns /lx ;Sg' ePsf pxfF Jofkf/ Joj;fodf lg/Gt/ ;+nUg x'g'x'G5 .

sDkgLsf] ;+rfns >L lagf]b s'df/ Kofs'/]n a}+lsË If]qdf nfdf] cg'ej ePsf] JolQmTj x'g'x'G5 . pxfFn] g]kfn a}+s lnld6]8df #@ aif{ ;]jf/t /lx k|aGws kbaf6 cjsf; k|fKt ug'{ ePsf] lyof] . pxfF xfn PgcfO{l; Plzof a}+s lnld6]8df ;+rfns /xg' ePsf] 5 .

sDkgLsf] ;+rfns >L 8f=lagf]b cfq]o g]kfn /fi6« a}+ssf] sfo{sf/L lgb]{zs, g]kfn a}+s lnld6]8sf] k|d'v sfo{sf/L clws[t /lx sfo{ ug'{ ePsf] JolQmTj x'g'x'G5 . ;+o'Qm /fi6« ;+l3o lasf; sfo{qmddf ;d]t la1sf] ?kdf sfo{ ul/;Sg' ePsf pxfF xfn Odlh{Ë g]kfn ln=sf] k|d'v sfo{sf/L clws[t x'g'x'G5 .

sDkgLsf] ;+rfns /xg' ePsf >L lazfn cu|jfn /]z' u|'k ckm sDklghsf pkfWoIf x'g'x'G5 . s]=kL= l;d]G6 OG8l:6«h k|f=ln=, ;gfx Soflk6n k|f=ln, sdn lagfos 8]enk;{ k|f=ln=df ;+rfns /xg' ePsf pxfF Aofkf/ Aoj;fosf] If]qdf lqmoflzn AolQmTj x'g'x'G5 .

sDkgLsf] :jtGq ;+rfns >L u+uf k|;fb zdf{ ;/sf/L ;]jfdf nfdf] ;do sfo{/t /xg' ePsf] / ;]jf cjlwdf g]kfn ;/sf/sf] cy{dGqfno cGtu{tsf ljleGg lgsfodf ;]jf/t /xg' ePsf] lyof] . pk–;lrj kbaf6 cjsfz k|fKt pxfF ;]jf cjlwdf x]6f}8f l;d]G6sf] ;+rfns /xg' ePsf] lyof] .

;+rfns ;ldlt>L /fdafa' kGt

>L x]dGt gfxf6f

>L lagf]b s'df/ Kofs'/]n

>L 8f= lagf]b cfq]o

>L lazfn cu|jfn

>L u+uf k|;fb zdf{

tkfO{+sf] eljio xfd|f] cleef/f

Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8th

ljifo ;"rL

qm=;+= ljj/0f k]h g+=

!= cf7f}+ jflif{s ;fwf/0f ;efsf] ;"rgf !

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

#= k|f]S;L kmf/fd #

$= cWoIfHo"sf] dGtJo %–^

%= ;+rfns ;ldltsf] k|ltj]bg &–!!

^= lwtf]kq lgisfzg lgb{]lzsf @)^% sf] bkmf @* cg';f/sf] ljj/0f !@–!#

&= cfly{s jif{ @)&!÷)&@ sf] n]vfkl/Ifssf] k|ltj]bg !$–!%

*= cfly{s jif{ @)&!÷)&@ sf] ljlQo ljj/0f !^–%$

(= ljlQo ljj/0f :jLs[t kq / ;f] sf] hjfkm %%–%^

!)= sDkgLsf aLdf of]hgfx? %&–%*

!!= tLg dxn] ljj/0f %(


1tkfO{+sf] eljio xfd|f] cleef/f


;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8/lhi68{ sfof{noM lj/f6gu/–(, df]/Ë

skf]{/]6 sfof{noM rf}yf] tNnf, rf6{8{ 6fj/, ;fgf]uf}r/g, 1fg]Zj/, sf7df08f}+, Email: [email protected]

cf7f}+ aflif{s ;fwf/0f ;ef ;DaGwL ;"rgf-Kf|yd k6s ;"rgf k|sflzt ldltM @)&#.!@.@! ut]_

o; sDkgLsf] ldlt @)&#÷!@÷++!* ut] z'qmaf/ - tb\g';f/ #! dfr{ @)!&_ a;]sf] ;+rfns ;ldltsf] !*$ cf}+ a}7ssf] lg0f{ofg';f/ sDkgLsf] cf7f}+} aflif{s ;fwf/0f ;ef lgDg ldlt, :yfg / ;dodf lgDg lnlvt ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu cg'/f]w ub{5' .

;ef x'g] ldlt, :yfg / ;do M ldlt M @)&$÷)!÷!$ ut] lalxaf/ -tb\g';f/ @& clk|n @)!&_ :yfg M pBf]u ;+u7g df]/Ësf] ;efsIf, zlxbdfu{, tLgk}gL, lj/f6gu/ ;do M laxfg !!M)) jh] 5nkmnsf ljifox? M-s_ ;fwf/0f k|:tfj cGtu{t M != cWoIfHo"sf] dGtJo tyf ;+rfns ;ldltsf] aflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug{] . @= n]vf k/LIfssf] k|ltj]bg ;lxt @)&@ cfiff9 d;fGtsf] jf;nft tyf ;f]lx ldltdf ;dfKt cf=j= @)&!÷)&@ sf]

gfkmf÷ gf]S;fg lx;fa tyf gub k|jfx ljj/0f / tt\;DjGwL cg';"lrx? Dffly 5nkmn u/L kfl/t ug{] . #= n]vf k/LIf0f ;ldltsf] l;kmfl/; adf]lhd cf=j= @)&@÷)&# sf] nflu n]vf k/LIfssf] lgo'QmL ug]{ / lghsf]

kfl/>lds lgwf{/0f ug]{ . - jt{dfg n]vf k/LIfs a]s/ l6NnL b]j Pzf]l;P6\; rf6{8 Psfp06]06 k'gM lgo'lQmsf nfuL of]Uo x'g'x'G5 . _

$= ;+rfns ;ldltn] k|:tfj u/] adf]lhd af]g; z]o/sf] s/ k|of]hgfy{ ?= !^,$$,&#&.– -cIf/]kL ;f]x| nfv rf}jfln; xhf/ ;ft ;o ;}lt; ?k}of_ gub nfef+; l:js[t ug]{ .

%= ;+:yfks z]o/wlg ;d"x æsÆ af6 k|ltlglwTj ug]{ $ -rf/_ hgf ;+rfns / ;j{;fwf/0f z]o/wgL ;d'x ævÆ af6 k|ltlglwTj ug]{ ! -Ps_ hgf ;j{;fwf/0f ;+rfnssf] lgjf{rg ug]{ .

^= ;+rfns ;ldltsf] lg0f{ofg';f/ lgo'Qm k|d'v sfo{sf/L clws[tsf] kfl/>lds Pj+ ;'ljwfsf] cg'df]bg ug]{ . &= ;+rfns ;ldltaf6 cf=j= @)&!.&@ sf nfuL lgo'Qm n]vfkl/IfsnfO{ yk ul/Psf] kfl/>ldssf] cg'df]bg ug]{ . *= ;+rfns ;ldltsf kbflwsf/Lx?nfO{ kqklqsf / df]afOn vr{ pknAw u/fpg] k|:tfj kfl/t ug]{ .v= ljz]if k|:tfj cGtu{t M != ;+rfns ;ldltn] l;kmfl/; u/] cg';f/ cfly{s aif{ @)&!.&@ sf] d'gfkmfaf6 xfn sfod /x]sf] r'Qmf k"Flh

?= ^@,%),)),))).– sf] % k|ltztn] x'g] ?=#,!@,%),))).– sf] af]g; z]o/ ljt/0f ug]{ . ;fy} af]g; z]o/ lat/0f ubf{ sfod x'g cfpg] bzdna kl5sf] leGg c+s -Fraction_ nfO{ kl5 ;dfof]hg ug]{ u/L oyfjt /fVg] .

@= af]g; z]o/ hf/L u/] kZrft x'g] z]o/ ;+/rgf adf]lhd hf/L tyf r'Qmf k"+lhnfO{ ;f]xL cg'?k a[l4 ug]{ ;fy} sDkgLsf] k|aGwkq lgodfjnLdf ;+;f]wg ug]{ .

#= sDkgLsf] k|aGwkq tyf lgodfjnLdf k|:tfj eP adf]lhd ;+;f]wg Pj+ l:js[tLsf] qmddf lgodgsf/L lgsfoaf6 s'g} ;+;f]wg, km]/abn ug{ jf yk36 ug{ lgb]{zg k|fKt ePdf ;f]xL adf]lhd ug{ ;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ .

$= aLdssf] ;+:yfut ;'zf;g lgb]{lzsf adf]lhd laleGg ;ldltx?nfO{ k|bfg ul/Psf] a}7s eQfsf] cg'df]bg ug]{ . %= sDkgL P]g @)^# sf] bkmf !)% -!_ -u_ adf]lhd cf=j= @)&!.&@ df rGbf zLif{s cGtu{t ePsf] vr{sf] cg'df]

bg ug]{ .u= ljljw ;+rfns ;ldltsf] cf1fn] O{Zj/ s'df/ ;]8fO{ sDkgL ;lrj


2 tkfO{+sf] eljio xfd|f] cleef/f

8th

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

!= sDkgLsf] z]o/ bflvn vf/]h oxL ldlt @)&#÷!@÷@* ut] b]lv ldlt @)&$÷)!÷!$ ;Dd aGb /xg] 5 . z]o/ bflvn vf/]h aGb ul/Psf] ldlt eGbf cufj} @)&$÷!@÷@& ut] k'/f lbg ;Dd g]kfn :6s PS:r]Gh ln=df sf/f]jf/ eO{ ;f] sf] & lbg leq bflvn vf/]hsf] nflu z]o/ /lhi6«f/ gljn O{Ge]i6d]06 a}+lÍª lnld6]8 gf/fo0frf}/, gS;fnaf6 k|fKt ljj/0fsf] cfwf/df gfd;f/Lsf] /]s8{ sfod ul/g] 5 .

@= ;efdf pkl:yt x'g] z]o/wgL dxfg'efjx?n] k|j]zkq jf ;Ssn z]o/ k|df0fkq jf cflwsf/Ls kl/ro kq ;fydf lnO{ cfpg cg'/f]w 5 .

#= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf ljxfg !)=)) ah] b]lv ;ef ;~rfng ;do ;Ddsf] nflu v'Nnf /xg] 5 .

$= z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg] 5 . s'g} sf/0fjz pQm k'l:tsf gkfpg' ePdf sDkgLsf] skf]{/]6 sfof{noaf6 tyf gljn O{Ge]i6d]06 a}+lÍª lnld6]8 gf/fo0frf}/, gS;fnaf6 k|fKt ug{ ;lsg] 5 .

%= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk'0f{ z]o/sf] k|ltlglw Pp6} JolQm -ljefhg gx'g] u/L_ x'g] u/L k|ltlglw – kq -k|f]S;L kmf/fd_ e/L sDkgLsf] skf]{/]6 clkm;df ;ef z'? x'g' eGbf slDtdf $* 306f cuf8L btf{ u/L ;Sg' kg{] 5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] JolQm sDkgLsf] z]o/wgL x'g' clgjfo{ 5 .

^= gfjfns jf czSQ z]o/wgLx?sf] tkm{af6 sDkgLsf] z]o/ nut lstfadf ;+/Ifssf] ?kdf gfd btf{ ePsf] JolQmn] ;efdf efu lng jf k|ltlglw tf]Sg kfpg]5g\ .

&= Ps} z]o/wgLn] Ps eGbf a9L k|ltlglw -k|f]S;L_ lgo'Qm ug{' ePsf] cj:yfdf klxnf] btf{ x'g] k|f]S;L dfGo x'g]5 . To;kl5 cfpg] k|f]S;L :jtM jb/ jf cdfGo x'g]5 .

*= ;+o'Qm ?kdf z]o/ vl/b ul/Psf] cj:yfdf z]o/ nut lstfadf klxn] gfd pNn]v ePsf] JolQm cyjf ;j{;Ddtaf6 k|ltlglw lgo'Qm ul/Psf] Ps JolQmn] dfq ;efdf efu lng / dtbfg ug{ kfpg]5g\ .

(= ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgL :jod ;efdf pkl:yt x'g cfPdf z]o/wgLn] ul/lbPsf] k|ltlglw -k|f]S;L_ :jtM jb/ x'g]5 .

!)= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf sfo{sf/L k|d'vn] b:tvt u/L dgf]lgt u/]sf] k|ltlglwn] z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 .

!!= 5nkmnsf ljifo÷;"rL dWo] ljljw zLif{s cGtu{t 5nkmn ug{ OR5's z]o/wgLn] ;ef x'g' eGbf & -;ft_ lbg cufj} 5nkmnsf] ljifo sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'kg{]5 .

!@= yk hfgsf/Lsf] nflu sDkgLsf] skf]{/]6 sfof{nodf ;Dk{s /fVg' x'g cg'/f]w ub{5f}+ .



;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8

k|f]S;L kmf/d

>L ;+rfns ;ldlt;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8la/f6gu/ . laifoM k|ltlglw lgo'Qm u/]sf] af/] .dxfzo,===============lhNnf========================g=kf=÷uf=lj=;=j8f g+=======a:g] d÷xfdL================================================n] To; sDkgLsf] z]o/wlgsf] x}l;otn] @)&$ ;fn a}zfv !$ ut] lalxaf/sf lbg x'g] cf7f}+ aflif{s ;fwf/0f ;efdf d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu ==================lhNnf ==============================g=kf=÷uf=lj=;= j8f g+=====a:g] To; sDkgLsf z]o/wlg >L=============================================z]o/ k|df0fkq g+=======================nfO{ d]/f] / xfd|f] k|ltlglw dgf]lgt ul/ k7fPsf] 5'÷5f}+ .

Kf|ltlglw lgo'Qm ePsf] JolQmsf] lgj]bsgfdM b:tvtx:tfIf/ gd'gfM gfdMz]o/wlg g+=M 7]ufgfMlxtu|fxL vftf g+=M z]o/wlg g+= lxtu|fxL vftf g+=M z]o/ ;+Vof ldltM

b|i6AoM of] lgj]bg ;ef x'g' eGbf sDtLdf $* 306f cufj} sDkgLsf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 .

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8 Kf|j]z kq

z]o/wlgsf] gfdM===============================================================================

z]o/wlgsf] klro g+==========================================================================

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] ldlt @)&$÷)!÷!$ ut] lalxaf/ x'g] cf7f}+ aflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z kq .

Zf]o/wlgsf] b:tvt M

b|i6AoM != z]o/wlg cfkm}n] vfnL sf]i7x? eg'{xf]nf . ====================================@= ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug'{ clgjfo{ 5 . sDkgL ;lrj




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

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf]] o; ul/dfdo cf7f}+ aflif{s ;fwf/0f ;efdf xfd|f] cfdGq0fnfO{ :jLsf/ u/L kfNg' ePsf ;Dk"0f{ cfb/0fLo z]o/wgL dxfg'efjx? tyf cltlyHo"x? ;j}nfO{ ;~rfns ;ldlt Pj+ d]/f] JolQmut tkm{af6 xflb{s :jfut tyf clejfbg ug{ rfxG5' .

sDkgLsf] cf7f}+ aflif{s ;fwf/0f ;efdf cf=j= @)&!÷)&@ sf] n]vfk/LIf0f ePsf] jf;nft, cfo Joo ljj/0f, gfkmf gf]S;fg lx;fj, ;+nUg cg';"lrx? nufot ;~rfns ;ldltn] tof/ kf/]sf] k|ltj]bg tkfO{x? ;dIf k]z ug{ kfpFbf dnfO{ cToGt} v'zL nfu]sf] 5 .

ætkfO{sf] elaio xfd|f] cleef/fÆ eGg] p4]Zo af]s]/ hLjg aLdfsf] If]qdf kfOnf 6]s]sf] o; sDkgLn] aLdf If]qdf Ps 5'§} klxrfg agfpb} cfˆgf] cf7f}+ aif{ ;kmntfk"j{s ;DkGg u/]sf] hfgsf/L u/fpg kfpFbf d}n] cfkm'nfO{ uf}/jflGjt 7fg]sf] 5' .

b]zn] ef]Ug' k/]sf] dxfe'sDk, nfdf] ;do ;Ddsf] k/fsDkgn] cy{tGqdf k/]sf] gsf/fTds c;/sf sf/0f cfly{s a[l4b/ Go'g /x]sf] / To;sf] c;/af6 hLjg aLdf sDkgLx? klg c5'tf] /xg g;s]sf] jf:tljstfsf afah'b klg sDkgLn] laut aif{sf] t'ngfdf lg/Gt/ ?kdf Aoj;fodf a[l4 ul/ g} /x]sf] 5 .

sDkgLsf] k|:t't cf=j= @)&!.&@ sf] ljlQo ljj/0fsf] cfFs8fnfO{ x]g]{ xf] eg] k|yd aLdfz'Ns tkm{ ?= @$,&),(!,$#%.–, glas/l0fo aLdfz'Ns tkm{ ?= @^,^),@&,()!.–, a}b]lzs /f]hfu/L aLdfz'Ns tkm{ @),%),!&,^$^.– / Psn aLdfz'Ns tkm{ ?= &^,^%,%%#.– u/L hDdf ?= &@,%*,)@,%#%.– ;+sng ePsf] 5 . ut cf=j= @)&).&! df hDdf Aoj;fo ?= $!,%),%),#!).– ePsf] lyof] . h'g ut aif{sf] t'ngfdf &$=*& k|ltztn] a[l4 ePsf] b]lvG5 . ;fy} sDkgLsf] laut jif{sf] t'ngfdf hLjg jLdf sf]ifdf %^=## k|ltztn] j[l¢ ePsf] hfgsf/L u/fpFb5f}+ .

aLdf ;ldltaf6 hf/L ul/Psf gofF nufgL gLlt cg'?k laleGg If]qdf nufgLnfO{ lalalws/0f u/L al9 k|ltkmn ;'lglZrt ug]{ tkm{ klg sDkgL ;+a]bglzn /x]sf] 5 . afXo tyf cfGtl/s sf/0fn] ubf{ b]zsf] ;du| cy{tGq ;sf/fTds gePsf] cj:yfdf klg sDkgLn] cfˆgf] r'Qmf k"+hLsf] cfwf/ alnof] agfO{ pRr k|ltkmn ;'lglZrt ug]{ k|of]hgsf nfuL o; cfly{s aif{df ljt/0fof]Uo d'gfkmfaf6 % k|ltzt af]g; z]o/ tyf s/ k|of]hgsf] nfuL ?= !^,$$,&#&.– gub nfef+z ljt/0f ug]{ k|:tfj u/]sf 5f} .

Hfgdfg;df hLjg aLdfsf] dxTj af/] cled'lvs/0f hfu/0f g} gePsf] / s'n hg;+Vofsf] sl/j () k|ltzt eGbf al9 hg;+Vof hLjg aLdfaf6 alGrt /x]sf] o; cj:yfdf AolQmnfO{ hLjg aLdf u/fpg' Toltg} r'gf}tLk"0f{ /x]sf] / r'gf}lt leq ;+efjgf / cj;/ b'a} x'G5g\ eGg] tYonfO{ dgg\ ub}{ ;+:yfsf] Aoj;fonfO{ nIo cg'?k pknAwL xfl;n ug{sf nfuL cfjZos /0fg}lts of]hgfx? th'{df u/L sfo{ ug]{ k|aGw ldnfO{Psf] x'Fbf cfufdL lbgdf Aoj;fodf a9f]Q/L x'g] cfzf lnPsf] 5' . sDkgLsf] cfGtl/s sfdsf/jfxLx?sf] k|efjsf/Ltf dfkm{t sDkgLsf] k|lti7f pRr agfO{ /fVg ;+rfns ;ldlt, ;+rfns ;ldlt cGtu{tsf pk–;ldltx? ;d]t bQlrQ /x]sf] Aoxf]/f z]o/wgL dxfg'efjx? ;dIf lgj]bg ug{ rfxG5' . Pj+ k|sf/n] ;+:yfsf] zfvf ;+hfndf a[l4, aLldt tyf ;]jfu|fxLx?nfO{ cfjZos u'0f:tl/o ;]jf tyf ;'ljwf, clestf{x?nfO{ lqmoflzn agfpg] sfo{qmd, clestf{ Pj+ aLldtx?nfO{ k|bfg ul/Psf] C0f c;'nLdf lta|tfsf ;fy} ;+:yfsf] hLjg aLdf Aoj;fonfO{ a[xt hg;d'bfosf] kx"Fr leq k'¥ofpg, xfn e} /x]sf aLdf of]hgfsf cltl/Qm Go'g cfo ePsf ljkGg au{x?nfO{ ;d]t

;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] cf7f}+ aflif{s ;fwf/0f ;efdfcWoIf >L /fdafa' kGtHo"af6 k|:t't dGtJo



8th

;d]6\g] u/L n3' aLdf ;DaGwL of]hgfx?sf ;fy} u'0f:tl/o tyf cfsif{s of]hgfx? / ;+:yfut clestf{ dfkm{t ;d]t Aoj;fo a[l4 ug]{ nIo /x]sf] hfgsf/L u/fpg rfxG5' .

;+:yfut ;'zf;g, hf]lvd Aoj:yfkg, sf/f]jf/df kf/blz{tf, em+em6d'Qm l56f]5l/tf] / d':sfg ;lxtsf] ;]jf k|bfg ePdf dfq ;+:yf k|lt hgdfg;sf] laZjf; clea[l4 x'g uO{ ;+:yfsf] ;fvdf >La[l4 x'g] tYonfO{ dWogh/ ub}{ pQm d'ndGq k|lt Aoj:yfkg tyf ;+rfns ;ldlt ;b}a ;r]t, rgfvf] / ;+j]bglzn /x]sf] tYo oxfFx? ;dIf /fVg rfxG5' .

cGTodf,;+:yf ;+rfng ug]{ qmddf ;+:yfut ;'zf;g sfod ug{ lg/Gt/ dfu{ lglb{i6 tyf ;xof]u k|bfg ug'{ x'g] >L aLdf ;ldlt, >L g]kfn lwtf]kq af]8{, >L sDkgL /lhi6«f/sf] sfof{no, >L g]kfn :6s PS;r]Gh lnld6]8, >L z]o/ /lhi6«f/ gljn OGe]i6d]06 a}+lsª lnld6]8 tyf cGo ;/f]sf/jfnf lgsfox? k|lt x[|bo b]lv g} xflb{s s[t1tf 1fkg ug{ rfxG5' . ;fy} ;+:yfsf] p4]Zo tyf nIo xfl;n ug]{ cleofgdf cys of]ubfg ug'{ x'g] st{Aolgi7 sd{rf/Lx?, ;+:yf k|lt b[9 laZjf; /fvL ;xof]u ug]{ clestf{x?, dfu{lgb]{z u/L ;xof]u k'¥ofpg] z]o/wlg dxfg'efjx?, ;+:yfnfO{ laZjf; ug]{ ;Dk"0f{ aLldt w/f]x/x?sf ;fy} ;+:yfsf] ;fv, >La[l4sf nfuL k|ToIf tyf ck|ToIf ?kdf ;xof]u k'¥ofpg] ;Dk"0f{ z'e]R5'sx? k|lt xflb{s wGojfb 1fkg ug{ rfxG5' .

wGojfb, /fdjfj' kGt cWoIf



;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] cf7f}+ aflif{s ;fwf/0f ;efdf sDkgL P]g @)^# sf] bkmf !)( cg';f/ ;+rfns ;ldltn] tof/ kf/L ;ldltsf]

tkm{af6 cWoIf >L /fdafa' kGtHo"af6 k|:t't k|ltj]bg M

-s_ ljut aif{sf] sf/f]af/sf] l;+xfjnf]sgM sDkgLsf] Joj;fo ljut jif{eGbf ck]lIft ?kdf j[l¢ x'g uPsf] 5 . Joj;fo k|aw{g ug{ sDkgLn] cjnDag u/]sf

/0fgLlts of]hgfx?sf sf/0f sDkgLsf] sf/f]jf/df ck]Iffs[t ?kdf j[l¢ ePsf] xf] . ldlt @)^%.)!.!! ut] b]lv ljlwjt ?kdf jLdf Joj;fo ;+rfng u/]sf] o; sDkgLn] ljut rf/ cfly{s jif{sf] cjlwdf u/]sf] sf/f]jf/ tyf k|fKt pknlAwsf d'Vo ;"rsx? Zf]o/wgL dxfg'efjx? ;dIf k|:t't ug{ rfxfG5' . qm=;+= ljj/0f cf=j=

@)&!÷&@cf=j=

@)&)÷&!cf=j=

@)^(÷&)cf=j=

@)^*÷^(

! s'n aLdfz'Ns &@,%*,)@,%#% $!,%),%),#!) @!,^%,!%,@#! !^,!(,@&,!%!

@ k|yd aif{sf] aLdfz'Ns @$,&),(!,$#% !(,%(,^$,%&* ^,(@,)@,!(% ^,*(,&@,$$*

# s'n Joj:yfkg vr{ !%,(),@*,@#& (,*$,@&,^)& $,(!,^#,**) %,$!,@),*)%

$ v"b gfkmf @,!(,$!,%$* $,#&,(!,#)@ $,)@,*!,$(! @,(#,^(,))!

% hLjg aLdf sf]if !,)%,!),)),($& ^&,@@,((,!!$ $!,(&,%$,^(@ @%,$&,@^,(!)

^ s'n nufgL -cNksflng ;d]t_ !,^!,#$,#%,^&( !,!%,%),*^,^@! *^,)#,(&,)$& ^*,#$,&#,#)#

& aLdf clestf{ ;+Vof $,@)@ #,!&( #,##@ @,&#)

* sd{rf/L ;+Vof @)^ !%* !@! (&

( s'n sfod /x]sf] aLdfn]vsf] ;+Vof !&$!() &#,*@@ #(,#)! ##,@#*

!) sfod /x]sf] aLdfÍ /sd &@,(#,%!,!),(#& @$,**,#%,%(,^** !!,)^,)),^#,&)) (,##,&$,$@,%($

!! hLjg jLdf of]hgfx? !) !) ( *

!@ zfvf sfof{nox? ^& %$ #^ #^

!# bfjL e'QmfgL v'b #,%&,%(,%() !,@%,@&,^^$ $%,(&,$$& !(,$&,$!(

jLdf sf]ifsf] d"Nofs+g lgodgsf/L lgsfo aLdf ;ldltsf] ldlt @)^(÷%÷& sf] lgb]{zfg';f/ hLjg aLdf sDkgLn] k|To]s Ps÷Ps aif{df

hLjg aLdf sf]ifsf] d"Nof+sg jLdfÍLjf6 u/fpg' kg]{ Joj:yf ul/Psf]df ;f] lgb]{zgsf] kl/kfngf ub}{ sDkgLn] cf=j= @)&@.)&# ;Ddsf] hLjg aLdf sf]ifsf] d"Nof+sg u/fO{ jLdfÍLjf6 gofF jf]g; b/ ;d]t sfod ePsf] 5 .

-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/nfO{ s'g} c;/ k/]sf] eP ;f] c;/M hLjg aLdf Aoj;fosf] sf/f]jf/nfO{ Aojl:yt / k|efjsf/L agfpgsf nfuL plrt jftfj/0fsf] cfjZos x'G5 . xfn

k|rngdf /x]sf gLlt, lgod tyf sfg'gL Aoj:yfx? hLjg aLdf Aoj;fosf] sf/f]jf/nfO{ Aojl:yt agfpgsf nfuL k|efjsf/L x'g ;ls/x]sf] b]lvb}g . aLdf sDkgLn] ug]{ nufgLsf If]qx?sf] bfo/f a9fpg ;s]df aLdf Aoj;fosf] ck]Iffs[t lasf; x'g] cj:yf b]lvG5 . d'n'sdf laBdfg /fhg}lts cl:y/tfsf] sf/0f aLdf sf/f]jf/df k|efj b]lvPsf] kfOG5 . ;du| cy{tGq ;jlns/0fsf nfuL k|ofKt k"jf{wf/x?sf] plrt Aoj:yf gx'Fbf sDkgLn] ug]{ hLjg aLdf Aoj;fodf c;/ kg{ uPsf] cj:yf 5 . tyfkL xfn laBdfg c;xh cj:yfx?sf afah'b sDkgLn] of]hgfa4 ?kdf aLdf Aoj;fo k|aw{g ug{sf nfuL lg/Gt/ sfo{ ul//x]sf] /x]sf] hfgsf/L u/fpF5' .



8th

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' aif{sf] pknAwL / eljiodf ug'{kg]{ s'/fsf] ;DjGwdf ;~rfns ;ldltsf] wf/0ffM

rfn' cf=j @)&# c;f/ d;fGt ;Ddsf] jLdfn]v ;+Vof M @,&!,$!^ jLdf z'Ns ?= M !,)&,*^,%#,)@^ bfjL e'QmfgL -s'n_ M *,)!,(),##( hLjg jLdf clestf{x?sf] ;+Vof M ^,%^( hLjg jLdf of]hgfx? M !) zfvfx? M ^& sDkgLsf] rfn' aif{ ;Ddsf] k|fKt pknAwLnfO{ ;ldIff ubf{ sDkgL lg/Gt/ k|ultkydf /x]sf] 5 . sDkgLsf] Aoj;fo

a[l4 ug{sf nfuL sDkgLn] clVtof/ u/]sf] /0fgLlts of]hgfx?sf] sf/0f k|ltkmndf a9f]Q/L eO{/x]sf] 5 . oBkL ljutdf nIo cg'?k aLdf Aoj;fo x'g g;s]sf] cj:yf /x]sf] eP klg cfufdL lbgdf Aoj;flos /0fgLlts of]hgfx?sf] k|efjsf/L sfof{Gjog u/L nIo cg'?ksf] Aoj;flos pknAwL xfl;n ug{ s]lGb|t x'g] hfgsf/L u/fpF5f}+ . sDkgLsf] hLjg aLdf Joj;fosf] lasf;df k|ToIf e'ldsfdf /x]sf clestf{x?sf] ;+Vof j[l4 ug{ / plgx?sf] bIftf clea[l4 e/L Aoj;fo k|aw{gdf ;lqmo agfO{g]5 . b]zJofkL ?kdf clestf{ tflnd ;+rfng ug]{, k'gtf{huL sfo{s|dx? ;+rfng ug]{, clestf{x?sf] lqmoflzntfsf nfuL ahf/ laefu ;Da4 zfvf tyf sd{rf/Lx?nfO{ kl/rfng ug]{ sfo{nfO{ k|efjsf/L agfO{g]5 . cfufdL lbgdf aLdf ahf/sf] cWoog ul/ ;+efJotfsf] cfwf/df cfjZostf cg';f/ pko'Qm tyf k|efjsf/L hLjg jLdf of]hgfx? NofO{g]5 . al9 eGbf al9 dflg;x?nfO{ sDkgLsf] aLdf of]hgfdf cfj4 ug{sf nfuL hgr]tgfd'ns sfo{qmdx? Kf|efjsf/L ?kdf ;+rfng ul/g]5 .

-3_ sDkgLsf] cf}Bf]lus jf Joj;flos ;DaGwM sDkgLn] cfˆgf] Aoj;fonfO{ la:tf/ Pj+ k|aw{g ug{sf nfuL cf}Bf]lus tyf Aofkfl/s If]q ;+usf] ;DaGwnfO{ k|efjsf/L

agfpg] gLlt clVtof/ u/]sf] 5 . cf}Bf]lus If]q ljlQo ;jntf ePsf] If]q ePsfn] Aoj;fo lasf;df pNn]Vo of]ubfg ug{ ;Sg] 7fg]/ sDkgLn] ;DaGw la:tf/ ;u} ;xsfo{sf] of]hgf ;d]t cuf8L ;fl//x]sf] 5 . sDkgLn] Aoj;flos sfo{ If]q lj:tf/ ug{ cf}Bf]lus k|lti7fgx?, a}Í, laQLo ;+:yf, ;xsf/L ;+:yfx?, ;+ul7t ;+:yfx?, ;/sf/L Pj+ u}/;/sf/L ;+:yfx? ;+usf] ;DaGw ;'b[9 ub}{ nlu/x]sf] 5 . cf}Bf]lus Pj+ ljlQo If]qdf x'g] kx'Frn] sDkgLsf] Aoj;fo k|aw{gdf pNn]Vo of]ubfg k'Ug] 7fg]/ ;'dw'/ ;DaGw la:tf/ ug{ of]hgfa4 ?kdf cufl8 a9\b} uO{/x]sf 5f}+ .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0fM sDkgLsf] ;+rfns ;ldltdf ;+:yfks ;d"x cGtu{tsf ;+rfns >L dx]z s'df/ cu|jfnn] /flhgfdf lbP kZrft ;f]

l/Qm :yfgdf ;+:yfks z]o/wgL >L lazfn cu|jfn lgo'Qm x'g' ePsf] 5 . To;}u/L ;+:yfks ;d"x cGtu{tsf] ;+rfns /xg' ePsf >L o'gfO6]8 OGe]i6;{ k|f=ln=sf tkm{af6 ;+rfns tf]lsg' ePsf >L s]za k|;fb e§/fO{n] /flhgfdf lbg' eP kZrft xfn pQm :yfgdf >L 8f= lagf]b cfq]o ;+rfnsdf lgo'Qm x'g' ePsf] 5 . sDkgLsf] ;+rfns ;ldltdf & hgf ;+rfns /xg] Aoj:yf /x]sf]df o;} ;fwf/0f ;efaf6 ;+:yfks ;d"x æsÆ af6 $ -rf/_ hgf / ;j{;fwf/0f ;d"x ævÆ af6 k|ltlglwTj ug'{ x'g] !-Ps_ hgf ;+rfnssf] lgjf{rg eO{ ;+rfns ;ldltn] k"0f{tf kfpg] Joxf]/f hfgsf/L u/fpFb5' .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M b]zdf /fhgLlts cl:y/tf sfod /lx/xg', cfly{s lasf;sf nfuL of]hgfa4 ?kdf sfo{ x'g g;Sg', cf}Bf]lus ljsf;

ck]Iff ul/P cg';f/ x'g g;Sg', nufgLsf] bfo/f l;ldt x'g', Joj;fo k|aw{gsf nflu cfjZos kg]{ lb3{sflng k"FhL kl/rfngnfO{ k|f]T;fxg ug]{ gLltsf] cefa x'g', hLjg jLdf k|lt cfd ?kdf hgr]tgfsf] cefj xg' cfbL sf/0fn] hLjg jLdf sf/f]jf/nfO{ c;/ k'¥ofO{/x]sf 5g\ . lgodgsf/L lgsfo tyf cGo ;/f]sf/jfnf lgsfox?af6 ;do ;dodf



hf/L x'g] tyf kl/jt{g x'g] lgod tyf lgb]{zgx?af6 sDkgLsf] sf/f]jf/df c;/ kg]{ b]lvP klg h'g ;'s} r'gf}ltk"0f{ kl/l:ytLnfO{ cfTd;fy u/L sDkgLn] pko'Qm /0fgLlt agfO{ Aoj;fo la:tf/ tyf k|aw{gdf lg/Gt/ ;lqmo eO{/x]sf] 5 .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmofM n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v gePsf] Joxf]/f hfgsf/L u/fpb5f} .-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sdM cf=j= @)&!.&@ ;Ddsf] ljt/0f of]Uo d'gfkmfaf6 sDkgLsf z]o/wgLx?nfO{ r'Qmf k"+lh ? ^@,%),)),))).– sf] %

k|ltztsf b/n] x'g] ?= #,!@,%),))).– sf] af]g; z]o/ / ;f] af]g; z]o/sf] s/ k|of]hgfy{ !^,$$,&#&.– gub nfef+z k|bfg ug]{ k|:tfj ul/Psf] 5 . pQm k|:tfj ul/Psf] af]g; z]o/ ljt/0f ug]{ k|:tfj o;} ;fwf/0f ;efaf6 kfl/t eP kZrft z]o/wgLx?nfO{ ljt/0f ul/g] Aoxf]/f hfgsf/L u/fpFb5' .

-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] c+lst d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f] jfkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ ljqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/jfkt /sd lkmtf{ u/]sf] eP ;f] sf] ljj/0fM

sDkgLsf] k|ltj]bgsf] ldlt ;Dd s'g} z]o/ hkmt u/]sf] 5}g .

-`_ ljut cfly{s aif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s aif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sgM

sDkgLsf] cf=j @)&!.&@ sf] ljlQo ljj/0f o;} k|ltj]bg ;fy ;+nUg 5 . o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .

-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cly{s aif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{gM

sDkgLsf] sf/f]jf/sf] ljlQo ljj/0f o;} ;fy ;+nUg ul/Psf] 5 . o; sDkgLsf] s'g} ;xfos sDkgL g/x]sf] .

7_ ljut cfly{s aif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM

To:tf] laz]if hfgsf/L k|fKt ePsf] 5}g .

-8_ ljut cfly{s aif{df sDkgLsf ;~rfns tyf kbflwsf/xL?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/LM

cfly{s aif{ @)&@÷&# sf] cfiff9 d;fGt ;Dddf sDkgLsf ;~rfns tyf kbflwsf/Lx?sf] z]o/ :jfldTjsf] ljj/0f lgDg adf]lhd 5 / z]o/ sf/f]jf/df lghx?sf] To:tf] s'g} ;+nUgtf /x]sf] hfgsf/L k|fKt ePsf] 5}g .

qm=;+= ;+rfns tyf kbflwsf/Lsf] gfd kb lsQf! >L /fd afa' kGt cWoIf @),*##@ >L dx]z s'df/ cu|jfn ;+rfns %%,%%^# >L x]dGt gfxf6f ;+rfns @&,&&*$ >L s]za k|;fb e§/fO{ - >L o'gfO{6]8 OGe]i6;{ k|f=ln=sf] tkm{af6_ ;+rfns #,((,*&%% >L lagf]b s'df/ Kofs'/]n_

->L k|'8]lG;on Soflk6n Dofg]hd]06 sDkgL k|f=ln=sf] tkm{af6_;a{;fwf/0f ;+rfns !,)),(@)

^ >L u+uf k|;fb zdf{ :jtGq ;+rfns 5}g

-9_ ljut cfly{s aif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fO{Psf] hfgsf/Lsf] Joxf]/f .

5}g .



8th

-0f_ sDkgLn] cfˆgf] z]o/ cfkm}+n] vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/]jfkt sDkgLn] e'QmfgL u/]sf] /sdM

5}g .

-t_ cfGtl/s lgoGq0f k|0ffnL ePsf] jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0fM sDkgLdf cfGtl/s lgoGq0f k|0ffnL /x]sf] 5 . sDkgLdf x'g] hf]lvdnfO{ lgoGq0f ug{sf nflu cfGtl/s lgoGq0f

k|0ffnLnfO{ k|efjsf/L agfO{Psf] 5 . sDkgLn] ;km\6j]o/ (Software) sf] dfWod4f/f ;Dk"0f{ sfo{x? ub}{ cfPsf]n] cfGtl/s lgoGq0f k|0ffnL Aojl:yt /x]sf] 5 . hLjg jLdf Joj;fodf x'g] hf]lvd (Underwriting) tyf nufgL hf]lvd lgoGq0f ug{sf nflu hf]lvd Joj:yfkg tyf ;f]ne]G;L pk–;ldltdf 5nkmn ug]{ ul/Psf] 5 . zfvf tyf pk–zfvfx?sf] Aoj;flos ultlalw tyf cfly{s sf/f]jf/sf] ljj/0f kf/bzL{ agfpg cfjZos l/kf{]l6ªsf] Joj:yf ul/Psf]n] sDkgLdf cfGtl/s lgoGq0fsf] cj:yf k|efjsf/L /x]sf] 5 .

-y_ ljut cfly{s aif{sf] s'n Joj:yfkg vr{sf] ljj/0fM cf=j= @)&!.&@ sf] s'n Joj:yfkg vr{ ?= !%,(),@*,@#&÷– /x]sf] 5 . sDkgLsf] jLdf Joj;fo la:tf/ tyf

zfvfx?sf] ;jlns/0f ug]{ qmddf cl3Nnf] jif{sf] t'ngfdf Joj:yfkg vr{df s]xL al9 x'g uP klg cfpFbf aif{x?df Aoj:yfkg vr{ sd ub}{ n}hfgsf nfuL of]hgfa4 ?kdf sfo{ ul/g]5 . ;fy} ;+rfns ;ldltsf] tkm{af6 sDkgLsf] Joj:yfkg vr{ 36fpg Joj:yfkgnfO{ lgb]{zg lbPsfn] cfufdL aif{df qmlds ?kdf ;'wf/ x'b} hfg] laZjf; lbnfpg rfxG5' . o;} ;fy ;+Ung ljlQo ljj/0fsf] æcg';"rL &Æ df Joj:yfkg vr{sf] ljj/0f pNn]v ul/Psf] 5 .

-b_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0fM

k|:t't cf=j=df n]vfk/LIf0f pk–;ldltdf >L lzj l;x+ sfsL{Ho"sf] ;+of]hsTjdf >L dx]z s'df/ cu|jfnHo" / >L lagf]b s'df/ Kofs'/]nHo" ;b:o /xg' ePsf] lyof] . pxfFx?nfO{ a}7s eQf jfkt ? #!,@%).– k|bfg ul/Psf] 5 . n]vfk/LIfssf] k|ltj]bg k|fKt x'gf ;fy n]vfk/LIf0f pk–;ldltsf] a}7s a;L n]vfk/LIfsn] lbPsf ;'emfjx?sf] sfof{Gjogsf nflu Joj:yfkgnfO{ lgb]{zg k|bfg x'b} cfPsf] 5 . h;sf sf/0f sDkgLdf cfGtl/s sfdsf/jfxLsf] cj:yf lg/Gt/ ;'wf/f]Gd'v eO{/x]sf] 5 .

-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf] gft]bf/ jf lgh ;+nUg /x]sf] kmd{ sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M

g/x]sf] .

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

k|:t't cf=j=df ;+rfns ;ldltsf cWoIfnfO{ k|lt a}7s ?=%,%)).— / ;+rfnsx? nfO{ k|lt a}7s eQf ?= %,))).— u/L s'n a}7s eQf ?= %,(^,%)).— e'QmfgL ul/Psf] 5 . k|jGws:t/ ;Ddsf cGo kbflwsf/Lx?nfO{ kfl/>lds, eQf tyf cGo ;'ljwf jfkt ?=%$,!%,!#)=%@ e'QmfgL ul/Psf] 5 .

-k_ Zf]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sdM g/x]sf]

-km_ bkmf !$! adf]lhd ;DklQ vl/b jf lalqm u/]sf] s'/fsf] ljj/0fM gePsf] .

-a_ bkmf !&% adf]lhd ;Da4 sDkgL aLr ePsf] sf/f]af/sf] ljj/0fM g/x]sf]



-e_ o; P]g tyf k|rlnt sfg'g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f .

-c_ ;DkQL z'l¢s/0f lgjf/0f ;DjGwdfM sDkgLn] ;DktL z'l¢s/0f lgjf/0f P]g, lgodfjnL, ;DkQL z'l¢s/0f tyf cftÍsf/L s[ofsnfkdf ljlQo

nufgL lgjf/0f lgb]{lzsf / g]kfn /fi6« a}+s ljlQo hfgsf/L OsfOsf] lgod tyf lgb]{zgnfO{ lg/Gt/ kl/kfngf ub}{ cfO/x]sf] 5 . sDkgLn] ;DktL z'l¢s/0f ;DjGwL pknAw u/fpg' kg]{ ;"rgf P+j hfgsf/L ;d]t ;DalGwt lgsfodf lg/Gt/ pknAw u/fO{/x]sf] 5 . o; tkm{ sDkgL ;bf ;r]t /xg] k|lta¢tf AoQm ub{5f}+ .

-cf_ jLdf ;ldltaf6 hf/L ePsf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf sfo{Gjog ul/ ;f] sf] k"0f{ ?kdf kl/kfngf ub}{ cfPsf] hfgsf/L u/fpFb5' .

-O_ lwtf]kq btf{ tyf lgisfzg lgodfjnLsf] lgod @@-!_ ;+u ;Dj¢ yk ljj/0fx?M -!_ ;ldIff cjlwdf sfg'gL sf/jfxL ;DjGwL ljj/0fM gePsf] . -s_ ;ldIff cjlwdf sDkgLn] jf sDkgLsf] lj?¢ d'4f bfo/ ePsf] ePM— sDkgLn] lsi6 a}+s-xfn

k|e' a}+s_ pk/ pTk|]if0fo'Qm k/dfb]z d'4f bfo/ u/]sf]df ;f] d'4f >L ;jf]{Rr cbfntdf rln/x]sf] .

-v_ ;ldIff cjlwdf sDkgLsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?¢df k|rlnt lgodsf] cj1f jf kmf}Hfbf/L ck/fw u/]sf] ;DjGwdf s'g} d'4f bfo/ u/]sf] jf ePsf] ePM

To:tf] s'g} hfgsf/L k|fKt gePsf] .

-u_ sDkgLsf] ;+:yfks jf ;+rfns lj?¢ cfly{s ck/fw u/]sf] ;DjGwdf s'g} d'4f bfo/ ePsf] ePM

To:tf] s'g} hfgsf/L k|fKt gePsf] .

-@_ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ ;DjGwL ljZn]z0fM sDkgLsf] z]o/ ;DjGwL ;Dk'0f{ sfo{ z]o/ /lhi6f/ >L gljn O{Ge]i6d]06 a}+lsË ln=, gS;fnaf6 eO{/x]sf]

5 . Z]fo/ sf/f]jf/df eO{/xg] ptf/ r9fj tyf v'Nnf jhf/sf sf/0f z]o/ d'Nodf 36a9 eO{ /xFbf sDkgLsf] z]o/ sf/f]jf/ ;d]t 36a9 x'g] u/]sf] 5 .

g]kfn :6s PSr]Gh lnld6]8sf] j]e ;fO6 cg';f/ @)&# cfiff9 d;fGtsf] z]o/ sf/f]jf/ lgDg cg';f/ /x]sf] 5 .

clwstd d"No M !#%# Go"gtd d"No M ^)! clGtd d"No M ($) sf/f]jf/ ePsf] s'n lbg M @@$ sf/f]jf/ ePsf] s'n ;+Vof M %@^! s'n sf/f]jf/ ePsf] z]o/ ;+Vof M (($@@%

wGojfb . cWoIf ;+rfns ;ldltsf] tkm{jf6



8th

jf;nft

qm=;+= ljj/0f k|If]lkt jf:tljs km/skm/s k|ltzt

@) k|ltzt eGbf al9 km/s kgf{sf] sf/0f

>f]t1 r'Qmf k"FhL 500,000 500,000 – 0Ü2 hu]8f tyf sf]if 139,848 142,017 -2,169_ –2Ü3 hLjg aLdf sf]if 1,068,561 1,051,001 17,560 2Ü4 dxf–ljkQL hu]8f 10,950 11,440 -490_ –4Ü5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L – – – –

s"n >f]t 1,719,359 1,704,458 – – –

pkof]u6 l:y/ ;DkQL -v'b_ 28,512 27,857 655 2Ü

7 lb3{sflng nufgL 572,300 750,502 -178,202_ –31Ü

k|If]lkt k|ltj]bgdf lb3{sflng

/ cNksflng nufgL jf8Fkmf8

km/s k/]sf]n]

8 aLdfn]vsf] lwtf]df shf{ 25,447 25,444 3 0Ü9 cGo lb3{sflng shf{ 28,049 26,925 1,124 4Ü

Rffn' ;DkQL shf{ tyf k]ZsLx? M10 gub tyf a}+s df}Hbft 67,603 57,609 9,994 15Ü11 cNksflng nufgL 1,005,337 862,934 142,403 14Ü12 cGo cNksflng shf{ 20,954 20,954 -0_ 0Ü13 cGo ;DkQL 158,434 165,234 -6,800_ –4Ü

hDdf -s_ -!)+!!+!@+!#_ 1,252,328 1,106,731 – – rfn' bfloTj tyf Joj:Yffx? M

14 rfn' bfloTj 70,744 95,121 -24,377_ –34Ük|If]lkt k|ltj]bgdf clestf{nfO{

lbg jfFsL sldzg sd n]]vfÍg

u/]sf] sf/0fn] ubf{

15 c;dfKt hf]lvd jfkt Joj:yf 98,649 115,078 -16,429_ –17Ü16 e'QmfgL x'g afFsL bfjL afkt Joj:yf 684 684 -0_ 0Ü

17 cGo Joj:yf 17,199 22,117 -4,918_ –29Ük|If]lkt k|ltj]bgdf nfef+; s/

n]]vfÍg gu/]sf]n]

hDdf -v_ -!$+!%+!^+!&_ 187,276 233,000 – – 18 v"b rfn' ;DkQL -u_ = -s_ – -v_ 1,065,052 873,730 – – 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? – – – – 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – – – –

s"n pkof]u -^+&+*+(+!*+!(+@)_ 1,719,359 1,704,458 – –

ljj/0fkqdf k|If]k0f ul/Psf] / n]vf k/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf

;f] eGbf al9 km/s k/]sf c+sx? tyf km/s kg'{sf sf/0fx?sDkgLsf] ljj/0fkq k|If]k0f ubf{ ;du| hLjg aLdf Joj;fodf ;'wf/ x'g] cfsng u/L ljut aif{sf] cfs8fdf cfwfl/t eO{ k|If]k0f ul/Psf] lyof]] .sDkgLsf] Joj;fo ck]Iff ul/P cg';f/ gePsf] t/ nufgLsf] k|ltkmn ck]Iffs[t a9f]Q/L ePsf sf/0f k|:t't ljlQo ljj/0fdf k|If]lkt ul/Psf s]xL ;"rsf++sdf k|If]k0fsf] t'ngfdf @) k|ltzt km/s kg{{ uPsf] xf]] . h;nfO{ sf/0f ;lxt lgDgfg';f/ k|i6\ofOPsf] 5 .


s]Gb|Lo sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/0f, 1fg]Zj/, sf7df8f}+

c° ?= xhf/df



gfkmf gf]S;fg lx;fa

qm=;+= ljj/0f k|If]lkt jf:tljs km/skm/s

k|ltzt@) k|ltzt eGbf al9 km/s kgf{sf] sf/0f

cfDbfgL

1 cfo Joo lx;faaf6 ;f/]sf] -4,356_ -19,158_ 14,802 –340Üjf:tljs k|ltj]bgdf aLdfÍLo d'Nof+sgsf] cfwf/df

c;dfKt hf]lvd jfkt Joa:yf /sd ¿ ! ,̂$@(,)))

n] a9L Joa:yf u/]sf]n]

2 hLjg aLdf sf]ifaf6 ;f/]sf] – 13,523 -13,523_ –100Ü aLdfÍLo d'Nof+sg k|ltj]bgsf] cfwf/df n]]vfÍg

u/]sf]n] 3 nufgL shf{ tyf cGoaf6 cfo 37,385 37,149 236 1Ü4 Joj:yf lkmtf{ – – – – 5 cGo cfDbfgL – – – –

hDdf cfDbfgL -s_ 33,029 31,515 vr{

6 Joj:yfkg vr{ 13,718 41,448 -27,730_ –202Ü k|If]lkt k|ltj]bgdf clestf{ k|f]T;fxg jfktsf]

Joj:yf /sd sd n]]vfÍg u/]sf] sf/0fn] ubf{ 7 ckn]vg vr{ – – – 0Ü8 z]o/ ;DaGwL vr{ 256 256 -0_ 0Ü9 cGo vr{x? 314 314 -0_ 0Ü10 gf]S;fgLsf] nflu Joj:yf – 611 -611_ –100Ü k|If]lkt k|ltj]bgdf n]]vfÍg ug{ 5'6]sfn] 11 sd{rf/L cfjf; Joj:yf – – – 0Ü12 sd{rf/L af]g; Joj:yf 1,704 – 1,704 100Ü v'b gfkmfdf kl/jt{g ePsf] sf/0fn] ubf{

;dfof]lht cfos/ -c_ =-cf_ – -O_ – -33,056_ 33,056 –100Ü k|If]lkt k|ltj]bgdf :yug s/ Joj:yf jfkt

/sd n]]vfÍg gu/]sf]n] 14 cf_ cfos/ – – – 0Ü

15 O_ :yug s/ ;DklQ ÷ -bfloTj_ – 33,056 -33,056_ –100Ük|If]lkt k|ltj]bgdf :yug s/ Joj:yf jfkt

/sd n]]vfÍg gu/]sf]n] !^ hLjg aLdf sf]ifdf ;f/]sf] – – – 0Ü

hDdf vr{ -v_ 15,992 9,573 – – 17 v"b gfkmf ÷-gf]S;fg_ -u_ = -s_ – -v_ 17,037 21,941 – –

Plss[t cfo – Joo lx;fa

qm=;+= ljj/0f k|If]lkt jf:tljs km/skm/s

k|ltzt@) k|ltzt eGbf al9 km/s kgf{sf] sf/0f

cfo 1 aLdfz'Ns -v"b_ 626,274 623,002 3,272 1Ü

2 k'gaL{df sldzg cfo 7,061 10,621 -3,560_ –50Ü k|If]lkt k|ltj]bgdf rf}yf] q}dfl;ssf] k'g{aL{df sldzg

cfo n]]vfÍg ug{ 5'6]sfn] 3 nufgL, shf{ tyf cGoaf6 cfo 71,574 72,627 -1,053_ –1Ü4 aLdfn]vsf] lwtf]df shf{af6 cfo 3,408 2,096 1,312 39Ü k|If]lkt k|ltj]bgdf cfosf] n]]vfÍg a9L ePsf]n] 5 cGo k|ToIf cfo 627 631 -4_ –1Ü6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 805 805 0 0Ü7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 38,026 38,019 7 0Ü

hDdf cfo -s_ 747,775 747,801 – – Joo

8 bfjL e'QmfgL -v'b_ 34,916 35,760 -844_ –2Ü9 clestf{ sldzg 82,634 95,114 -12,480_ –15Ü10 :jf:Yo k/LIf0f z'Ns 1,535 2,260 -725_ –47Ü k|If]lkt k|ltj]bgdf n]vfÍg ug{ 5'6]sf]n] 11 k'gaL{df sldzg vr{ – – – 0Ü12 ;]jf z'Ns -v'b_ 6,263 6,336 -73_ –1Ü

13 cGo k|ToIf vr{ 2,593 1,921 672 26Ü k|If]lkt k|ltj]bgdf ;Defljt aLdfn]v l6s6

vr{ a9L n]vfÍg ePsf]n] 14 Joj:yfkg vr{ 128,594 117,580 11,014 9Ü15 cfos/ – – – 0Ü

16cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt

Joj:yf 684 684 -0_ 0Ü

!& cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 98,649 115,078 -16,429_ –17Ü

hDdf Joo -v_ 355,868 374,733 – – 18 hLjg ladf sf]ifdf ;f/]sf] art 396,262 392,225 – –

19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ -4,356_ -19,158_ – –



8th





8th



@)&!÷&@ cfiff9 d;fGtsf] jf;nftqm=;+= ljj/0f cg';"rL o; aif{ ut aif{

>f]t1 r'Qmf k"FhL !^ 500,000,000 500,000,000 2 hu]8f tyf sf]if !& 142,016,946 124,269,984 3 hLjg aLdf sf]if !! 1,051,000,947 672,299,114 4 dxf–ljkQL hu]8f !* 11,440,234 9,246,088 5 ltg{ afFsL bL3{sflng C0f tyf ;fk6L !( – –

s"n >f]t 1,704,458,127 1,305,815,186 pkof]u

6 l:y/ ;DkQL -v'b_ @) 27,856,514 20,522,499 7 lb3{sflng nufgL @! 750,502,117 600,895,777 8 aLdfn]vsf] lwtf]df shf{ # 25,444,188 12,313,714 9 cGo lb3{sflng shf{ @# 26,924,849 28,228,602

rfn' ;DkQL shf{ tyf k]ZsLx? M10 gub tyf a}+s df}Hbft @@ 57,609,310 41,871,495 11 cNksflng nufgL @! 862,933,562 554,190,844 12 cGo cNksflng shf{ @# 20,954,018 456,313 13 cGo ;DkQL @$ 165,233,635 160,077,478

hDdf -s_ -10±11±12±13_ 1,106,730,525 756,596,130 rfn' bfloTj tyf Joj:yfx? M

14 rfn' bfloTj @% 95,120,835 62,919,706 15 c;dfKt hf]lvd jfkt Joj:yf @^ 115,077,724 38,018,808 16 e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 684,106 804,856 17 cGo Joj:yf @^s 22,117,399 10,998,166

hDdf -v_ -14±15±16±17_ 233,000,065 112,741,536 18 v"b rfn' ;DkQL -u_Ö-s_–-v_ 873,730,461 643,854,594 19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? @& – – 20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg – –

s"n pkof]u -6±7±8±9±18±19±20_ 1,704,458,127 1,305,815,186 ;+efljt bfloTjx? tyf cg';"rL #,(,!! tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ .

;+efljt bfloTjx?

qm=;+= ljj/0f o; aif{ ut aif{1 r'Qmf jf e'QmfgL x'g afFsL nufgL – – 2 k|Tofe"lt k|lta4tf – – 3 aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/

aLdsn] bfloTj :jLsf/ gu/]sf] . – –

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

hDdf – –

cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;=P= /hlgz bfxfn

;fem]bf/b]a P;f]l;6;\

rf6{8{ PsfpG6]G6\;ldltM @)&#.!).@):yfgM sf7df08f}

/fdjfj' kGtcWoIf

;+rfnsx¿!_ x]dGt gfx6f@_ lagf]b s'df/ Kofs'/]n#_ u+uf k|;fb zdf{$_ ljzfn cu|jfn%_ 8f= ljgf]b cfq]o

lbg]z cdfTo lg= dxfk|jGws

nfnafa' ;fx;xfos k|aGws n]vf tyf laQ






/fdjfj' kGtcWoIf



nfnafa' ;fx;xfos k|jGws n]vf tyf laQ



cfly{s aif{ @)&!.&@ sf] gfkmf gf]S;fg lx;faqm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfDbfgL1 cfo Joo lx;faaf6 ;f/]sf] !) -19,157,524_ -6,156,079_2 hLjg aLdf sf]ifaf6 ;f/]sf] !! 13,523,493 10,450,841 3 nufgL shf{ tyf cGoaf6 cfo @ 37,148,880 41,044,693 4 Joj:yf lkmtf{ !@ – 173,800 5 cGo cfDbfgL – –

hDdf cfDbfgL -s_ 31,514,849 45,513,255 vr{

6 Joj:yfkg vr{ & 41,448,226 9,601,465 7 ckn]vg vr{ !# – – 8 z]o/ ;DaGwL vr{ !# s 256,463 957,804 9 cGo vr{x? !$ 314,067 76,831 10 gf]S;fgLsf] nflu Joj:yf !% 610,930 – 11 sd{rf/L cfjf; Joj:yf @^ s – – 12 sd{rf/L af]g; Joj:yf @^ s – 3,170,650

;dfof]lht cfos/ -c_Ö-cf_–-O_ * -33,056,295_ -12,084,797_13 cf_ cfos/ – – 14 O_ :yug s/ ;DklQ ÷ -bfloTj_ 33,056,295 12,084,797 15 hLjg aLdf sf]ifdf ;f/]sf] 11 – –

hDdf vr{ -v_ 9,573,391 1,721,953 16 v"b gfkmf ÷-gf]S;fg_ -u_Ö-s_–-v_ 21,941,458 43,791,302 17 cl3Nnf] jif{;+u ;DalGwt vr{ -355,613_ -1,003,758_18 cl3Nnf] aif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ 70,126,240 48,669,581

afF*kmfF*sf] nflu pknAw /sd 91,712,084 91,457,125 19 -s_ :yug s/ hu]8f !& 33,056,295 12,084,797

-v_ k"FhLut hu]8f !& – – -u_ ljz]if hu]8f !& – – -3_ cGo hu]8f !& – – -ª_ k|:tfljt nfef+z – – -c_ af]g; z]o/ !& 31,250,000 – -cf_ gub nfef+z-s/ k|of]hgsf]nflu dfq_ @^ s 1,644,737 – -r_ dxf–ljkQL hu]8f !* 2,194,146 9,246,088

20 jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ 23,566,907 70,126,240 cg';"rL @,&,*, tyf !) b]lv !%,!& / !* ;Dd o;sf cleGg c+u x'g\ .



8th



cfly{s aif{ @)&!.&@ sf] Plss[t cfo Joo lx;fj

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

cfo 1 aLdfz'Ns -v"b_ ! 623,002,300 381,770,757 2 k'gaL{df sldzg cfo 10,621,097 2,506,868 3 nufgL, shf{ tyf cGoaf6 cfo @ 72,626,788 65,135,906 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 2,095,893 965,535 5 cGo k|ToIf cfo 630,860 1,041,118 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 804,856 1,220,379 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 38,018,808 22,914

hDdf cfo -s_ 747,800,603 452,663,477 Joo

8 bfjL e'QmfgL -v'b_ $ 35,759,590 12,527,664 9 clestf{ sldzg % 95,114,402 50,345,259 10 :jf:Yo k/LIf0f z'Ns 2,260,211 1,239,460 11 k'gaL{df sldzg vr{ – 200 12 ;]jf z'Ns -v'b_ ^ 6,336,234 3,817,707 13 cGo k|ToIf vr{ 1,920,525 244,197 14 Joj:yfkg vr{ & 117,580,010 88,826,142 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 684,106 804,856 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 115,077,724 38,018,808

hDdf Joo -v_ 374,732,801 195,824,293 18 hLjg ladf sf]ifdf ;f/]sf] art 392,225,326 262,995,263 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ -19,157,524_ -6,156,079_

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




/fdjfj' kGtcWoIf








cfly{s aif{ @)&!.&@ sf] ;fjlws hLjg aLdfsf] cfo Joo lx;fa qm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfo 1 aLdfz'Ns -v"b_ ! 367,979,703 276,078,884 2 k'gaL{df sldzg cfo 573,109 762,580 3 nufgL, shf{ tyf cGoaf6 cfo @ 50,912,416 50,464,695 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 1,451,726 661,793 5 cGo k|ToIf cfo 477,168 816,964

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 352,188 977,441 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –

hDdf cfo -s_ 421,746,310 329,762,357 Joo

8 bfjL e'QmfgL -v'b_ $ 9,497,237 7,124,722 9 clestf{ sldzg % 52,646,472 33,809,850 10 :jf:Yo k/LIf0f z'Ns 1,329,493 869,526 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 3,685,955 2,760,789 13 cGo k|ToIf vr{ 133,283 93,230 14 Joj:yfkg vr{ & 59,865,878 69,401,963 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 439,098 352,188 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –

hDdf Joo -v_ 127,597,417 114,412,268 18 hLjg ladf sf]ifdf ;f/]sf] art 294,148,893 215,350,090 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fgL_ – –





/fdjfj' kGtcWoIf






8th



cfly{s aif{ @)&!.&@ sf] clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fa


cfo 1 aLdfz'Ns -v"b_ ! 80,575,552 31,199,733 2 k'gaL{df sldzg cfo 532,320 146,206 3 nufgL, shf{ tyf cGoaf6 cfo @ 6,431,965 4,787,562 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 202,113 133,602 5 cGo k|ToIf cfo 63,833 90,960 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 207,661 120,750 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –

hDdf cfo -s_ 88,013,443 36,478,813 Joo

8 bfjL e'QmfgL -v'b_ $ 6,869,646 4,557,830 9 clestf{ sldzg % 17,003,941 5,607,288 10 :jf:Yo k/LIf0f z'Ns 624,537 172,082 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 807,928 311,997 13 cGo k|ToIf vr{ 17,267 10,171 14 Joj:yfkg vr{ & 12,170,914 7,406,325 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – 207,661 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –

hDdf Joo -v_ 37,494,233 18,273,354 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 50,519,210 18,205,459 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ – –





/fdjfj' kGtcWoIf








cfly{s aif{ @)&!.&@ sf] ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fa


cfo 1 aLdfz'Ns -v"b_ ! 62,500,165 39,517,615 2 k'gaL{df sldzg cfo 250,816 181,006 3 nufgL, shf{ tyf cGoaf6 cfo @ 7,535,935 7,031,513 4 aLdfn]vsf] lwtf]df shf{af6 cfo # 442,054 170,140 5 cGo k|ToIf cfo 89,859 133,194 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 245,008 122,188 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf – –

hDdf cfo -s_ 71,063,837 47,155,656 Joo

8 bfjL e'QmfgL -v'b_ $ 1,836,117 845,112 9 clestf{ sldzg % 10,532,795 6,470,552 10 :jf:Yo k/LIf0f z'Ns 305,232 197,852 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 626,524 395,176 13 cGo k|ToIf vr{ 19,215 15,416 14 Joj:yfkg vr{ & 9,941,724 9,546,826 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 245,008 245,008 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf – –

hDdf Joo -v_ 23,506,614 17,715,942 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ 47,557,223 29,439,715 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ – –





/fdjfj' kGtcWoIf






8th



cfly{s aif{ @)&!.&@ sf] a}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fa


cfo 1 aLdfz'Ns -v"b_ ! 111,791,433 34,936,910 2 k'gaL{df sldzg cfo 9,264,852 1,394,510 3 nufgL, shf{ tyf cGoaf6 cfo @ 7,735,859 2,844,738 4 aLdfn]vsf] lwtf]df shf{af6 cfo # – – 5 cGo k|ToIf cfo – – 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – – 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 38,000,000 –

hDdf cfo -s_ 166,792,144 39,176,158 Joo

8 bfjL e'QmfgL -v'b_ $ 17,556,591 – 9 clestf{ sldzg % 14,931,194 4,457,569 10 :jf:Yo k/LIf0f z'Ns 316 – 11 k'gaL{df sldzg vr{ – – 12 ;]jf z'Ns -v'b_ ^ 1,214,233 349,369 13 cGo k|ToIf vr{ 1,750,760 125,380 14 Joj:yfkg vr{ & 35,565,463 2,412,961 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 115,000,000 38,000,000

hDdf Joo -v_ 186,018,557 45,345,279 18 hLjg ladf sf]ifdf ;f/]sf] art Ö -s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ -19,226,413_ -6,169,121_





/fdjfj' kGtcWoIf








cfly{s aif{ @)&!.&@ sf] DofbL hLjg aLdfsf] cfo Joo lx;fa qm=;+= ljj/0f cg';"rL o; aif{ ut aif{

cfo 1 aLdfz'Ns -v"b_ ! 155,448 37,615 2 k'gaL{df sldzg cfo – 22,566 3 nufgL, shf{ tyf cGoaf6 cfo @ 10,613 7,398 4 aLdfn]vsf] lwtf]df shf{af6 cfo # – – 5 cGo k|ToIf cfo – – 6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf – – 7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 18,808 22,914

hDdf cfo -s_ 184,869 90,493 Joo

8 bfjL e'QmfgL -v'b_ $ – – 9 clestf{ sldzg % – – 10 :jf:Yo k/LIf0f z'Ns 632 – 11 k'gaL{df sldzg vr{ – 200 12 ;]jf z'Ns -v'b_ ^ 1,593 376 13 cGo k|ToIf vr{ – – 14 Joj:yfkg vr{ & 36,031 58,067 15 cfos/ 8 – – 16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf 9 – – 17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 77,724 18,808

hDdf Joo -v_ 115,980 77,451 18 hLjg ladf sf]ifdf ;f/]sf] art Ö-s_–-v_ – – 19 gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷ -gf]S;fgL_ 68,889 13,042





/fdjfj' kGtcWoIf






8th



@)&!.$.! b]lv @)&@ cfiff9 d;fGt;Ddsf] gub k|jfxsf] ljj/0f

qm=;+= ljj/0f o; aif{ ut aif{s sf/f]af/ ;+rfngaf^ gub k|jfx M

aLdf z'Ns cfDbfgL 725,802,535 415,050,310 ljnDa z'Ns cfDbfgL 617,844 1,030,076 k'gaL{df z'Ns cfDbfgL – – k'gaL{df sldzg cfDbfgL 10,621,097 2,506,868 cGo k|ToIf cfDbfgL 13,016 11,043 k'gaL{dsaf6 k|fKt bfjL l/se/L 16,862,434 1,862,012 k'gaL{df z'Ns e'QmfgL -97,444,732_ -12,081,106_k'gaL{df sldzg e'QmfgL – – clestf{ sldzg e'QmfgL -89,735,418_ -48,275,381_:jf:Yo k/LIf0f z'Ns e'QmfgL -2,260,211_ -1,239,660_d[To' bfjL e'QmfgL -36,104,904_ -4,401,647_cjlw ;dfKtL bfjL e'QmfgL -1,147,100_ – cf+lzs cjlw ;dfKtL bfjL e'QmfgL -6,152,000_ -4,438,855_;dk{0f d"No bfjL e'QmfgL -9,218,021_ -5,549,174_cGo bfjL e'QmfgL – – ;]jf z'Ns e'QmfgL -4,150,502_ -2,167,026_cGo k|ToIf vr{ -1,920,525_ -244,197_Joj:yfkg vr{ e'QmfgL -136,099,362_ -87,842,306_sd{rf/L af]g; e'QmfgL – -4,065,925_cfos/ e'QmfgL -15,622,145_ -13,615,351_Rffn' ;DklQdf -j[l4_÷sdL 53,718,451 -44,167,900_Rffn' bfloTjdf j[l4÷-sdL_ 10,309,186 -36,731,585_sf/f]af/ ;+rfngaf^ v"b gub k|jfx -s_ 418,089,645 155,640,196

v nufgL ultljwLaf^ gub k|jfxl:y/ ;DklQdf -j[l4_ sdL -13,308,989_ -14,556,691_;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -j[l4_ sdL – 10,725,000 a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_ sdL -185,500,000_ -327,500,000_a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_ sdL -123,889,718_ 28,439,320 OSo"6L z]o/ nufgLdf -j[l4_ sdL -148,959,340_ -6,353,894_cu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l4_ sdL – – cGo nufgLdf -j[l4_ sdL – – aLdfn]vsf] lwtf]df shf{df -j[l4_ sdL -13,130,474_ -7,007,085_k]ZsL tyf cGo shf{df -j[l4_ sdL -19,193,952_ -26,931,251_e'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 94,679,174 97,007,794 e'QmfgL k|fKt l8le8]G8 2,540,130 997,426 ef8f cfDbfgL – – e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ 798,076 377,412 cGo ck|ToIf cfDbfgL / vr{ 3,613,265 461,665 nufgL ultljwLaf^ v"b gub k|jfx -v_ -402,351,828_ -244,340,302_

u ljQLo >f]t sf/f]af/af^ gub k|jfxz]o/af6 k|fKt /sd – 116,371,786 ltg{ afFsL ;fk6Ldf -j[l4_÷sdL – – cNksflng C0fdf -j[l4_÷sdL – – C0f ;fk6Ldf Aofh e'QmfgL – – nfef+z e'QmfgL – – ljQLo >f]t sf/f]af/af^ v"b gub k|jfx -u_ – 116,371,786 o; jif{sf] ;Dk")f{ ultljwLaf6 v"b gub k|jfx = -s_±-v_±-u_ 15,737,815 27,671,679 gub tyf a}+sdf /x]sf] z'? df}Hbft 41,871,495 14,199,816 gub tyf a}+sdf /x]sf] clGtd df}Hbft 57,609,310 41,871,495




/fdjfj' kGtcWoIf






cfh

sf] ld

ltsf] ;+nUg

k|lt

j]bg cg';f/

l;=P= /hlgz bfxfn

;fe

m]bf/

b]a P;f]l;6;\

rf6{8{ Psfp

G6]G6

\;ld

ltM @)&#.!).@)

:yfg

M sf7df08f}

/fd

jfj' kGt

cWo

If

;+rfn

sx¿

!_ x]dGt

gfx6f

@_ lagf]b s'df/ Ko

fs'/]n

#_ u+uf k|;fb zdf{

$_ ljzfn

cu|jfn

%_ 8f= ljgf]b cfq]o

lbg]z cdfTo

lg= dxfk|jGw

snfn

afa

' ;fx

;xfo

s k|jGw

s

n]vf tyf laQ

;"o

f{ nfO

km O

G:o

f]/]G;

sDk

gL l

nld

6]8/lhi6

8{ sfo

f{noM lj/f6g

u/–

(, d

f]/Ë

s]Gb

|Lo s

fof{n

oM r

f6{8{ 6

fj/, r

f}yf] tNn

f, ;fg

f] uf}r

/0f,

1fg

]Zj/, s

f7df8

f}+

cf=j

@)&

!.&@

df OS

o"6Ld

f ePs

f] kl/j

t{g ;

DaGw

L ljj/

0f

ljj/

0fz]o

/ k"“h

L;+l

rt

gfkmf÷

gf]S;

fg

k|:tfljt

af]g;

z]o

/

k"“hLut

hu]8f

sf

]ifz]o

/ lk|ld

od

ljz]i

f hu

]8f

sf]if

cGo

hu]8f

ty

f sf

]if

-:yug

s/

hu]8f

_

dxflj

kQL

hu]8f

s"n /

sd

z'? d

f}Hbft

500

,000

,000

7

0,88

3,55

0 –

–

2

7,67

1,786

–

26

,471

,958

9

,246

,088

6

34,273

,382

x|f;

lglt

df k

l/jt{g

sf]

ut c

f=j ;

Ddsf]

;+lrt

gfkmfd

f k|ef

j

-757

,310_

-757

,310_

;dfof]lh

t z'?

sf] d

f}Hbft

500

,000

,000

7

0,12

6,24

0 –

–

2

7,67

1,786

–

26

,471

,958

9

,246

,088

6

33,516

,072

ut c

f=j ;

DalGw

cGo

;df

of]hg

–

-355

,613_

–

–

–

–

–

–

-355

,613_

k|:tf

ljt

af]g;

z]o/

hf/L

–

–

–

k|:tf

ljt

af]g;

z]o/

–

-31,2

50,000

_ 3

1,250

,000

–

–

o; j

if{sf] r

'Qmf k

"+hL -x

sk|b

z]o/

hf/L

_ –

–

–

–

–

–

–

–

–

z]o/

lk|ld

od –

–

o; j

if{sf] g

fkmf

gf]S;

fg lx

;fja

f^ ;

f/]sf]

–

21,9

41,4

58

–

–

–

–

–

21,9

41,4

58

dxf–l

jkQL

hu]*

f -2

,194,

146_

2,19

4,14

6 –

:yug

s/

hu]8f

– -3

3,056

,295

_ –

–

–

–

3

3,056

,295

–

–

gub

nfef

+z-s/

k|of]h

gsf]n

flu d

fq_

-1,64

4,73

7_ –

–

–

–

–

–

-1

,644,

737_

clGtd

df}Hb

ft 5

00,000

,000

2

3,56

6,90

7 3

1,250

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–

2

7,67

1,786

–

5

9,52

8,25

3 11,4

40,234

6

53,4

57,17

9



8th

^ ljQLo ljj/0fsf] cleGg c+usf] ?kdf /xg] cg';"rLx?cg';"rL–!

-s_ aLdfz'Ns -v'b_

qm=;+= aLdfsf] lsl;ds"n aLdfz'Ns k'gaL{df z'Ns e'QmfgL (Ceded) aLdfz'Ns -v"b_

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

1;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

373,940,127 279,714,347 5,960,424 3,635,463 367,979,703 276,078,884

2clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

82,678,160 31,928,610 2,102,608 728,877 80,575,552 31,199,733

3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

63,973,396 40,375,032 1,473,231 857,417 62,500,165 39,517,615

4j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

205,017,646 62,827,107 93,226,213 27,890,197 111,791,433 34,936,910

5 DofbL hLjg aLdf 193,206 205,214 37,758 167,599 155,448 37,615

hDdf 725,802,535 415,050,310 102,800,235 33,279,553 623,002,300 381,770,757

-v_ s'n aLdfz'Ns

qm=;+= aLdfsf] lsl;dk|ToIf aLdfz'Ns k|fKt k'gaL{df z'Ns (accepted) s"n aLdfz'Ns

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

1;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

373,940,127 279,714,347 – – 373,940,127 279,714,347

2clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

82,678,160 31,928,610 – – 82,678,160 31,928,610

3?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

63,973,396 40,375,032 – – 63,973,396 40,375,032

4j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf]

205,017,646 62,827,107 – – 205,017,646 62,827,107

5 DofbL hLjg aLdf 193,206 205,214 – – 193,206 205,214

hDdf 725,802,535 415,050,310 – – 725,802,535 415,050,310

-u_ k|ToIf aLdfz'Ns

qm=;+= aLdfsf] lsl;dk|yd aif{sf] aLdfz'Ns gjLs/0f aLdfz'Ns Psn aLdfz'Ns hDdf k|ToIf aLdfz'Nso; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{

1 ;fjlws hLjg aLdf 156,700,955 95,457,530 209,573,619 143,685,998

7,665,553 40,570,819 373,940,127 279,714,347

2 clu|d e'QmfgL ;fjlws hLjg aLdf

59,093,535 17,535,114 23,584,625 14,393,496 – – 82,678,160 31,928,610

3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf

31,103,739 19,939,613 32,869,657 20,435,419 – – 63,973,396 40,375,032

4 j}b]lzs /f]huf/ DofbL hLjg aLdf

– – – – 205,017,646 62,827,107 205,017,646 62,827,107

5 DofbL hLjg aLdf 193,206 205,214 – – – – 193,206 205,214

hDdf 247,091,435 133,137,471 266,027,901 178,514,913 212,683,199 103,397,926 725,802,535 415,050,310



cg';"rL–@nufgL, shf{ tyf cGoaf6 cfoqm=;+= ljj/0f o; aif{ ut aif{1= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Laf6 cfo 4,620,184 6,578,213 2= jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo 56,781,215 62,335,110 3= ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo 17,415,736 9,710,030 4= gful/s nufgL of]hgfaf6 cfo – – 5= ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo 12,406,728 7,212,377 6= cfjf; ljQ sDkgLsf] ;fwf/0f z]o/af6 nfef+z – – 7= cGo klAns sDkgLsf] ;fwf/0f z]o/af6 nfef+z 2,540,130 997,426 8= a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/af6 nfef+z – – 9= a}+s tyf ljQLo ;+:yfsf] l8j]Gr/af6 cfo 9,678,559 6,347,547 10= cGo -ljj/0f v'nfpg]_ af6 cfo11= shf{af6 cfo 2,670,516 412,612 12= cGo lgIf]kaf6 -d'2tL afx]s_ cfo 2,609,606 1,589,940 13= nufgL laqmLdf gfkmf 110,246 10,948,244

Go"g nufgL laqmLdf gf]S;fg – – 14= nufgL -v/Lb_ df gfkmf – –

Go"g nufgL -v/Lb_ df gf]S;fg – -84,583_15= l:y/ ;DkQL laqmLaf6 gfkmf – 84,631

Go"g l:y/ ;DkQL laqmLaf6 gf]S;fg16= vftf ckn]vg – – 17= cl3Nnf jif{;+u ;DalGwt cfo – – 18= cGo cfo÷gf]S;fg 942,748 49,053

hDdf 109,775,668 106,180,600 nufgL, shf{ tyf cGoaf^ cfosf] afF*kmfF*

1= gfkmf gf]S;fg lx;fadf ;f/]sf] 37,148,880 41,044,693 2= ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 50,912,416 50,464,695 3= clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 6,431,965 4,787,562 4= ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,535,935 7,031,513 5= j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 7,735,859 2,844,738 6= DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 10,613 7,398

hDdf 109,775,668 106,180,600

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

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

o; aif{ ut aif{ o; aif{ ut aif{1 ;fjlws hLjg aLdf 18,075,853 8,367,000 1,451,726 661,793 2 clu|d e'QmfgL ;fjlws hLjg aLdf 2,256,766 1,134,235 202,113 133,602 3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf 5,111,569 2,812,479 442,054 170,140 4 j}b]lzs /f]huf/ DofbL hLjg aLdf – – – – 5 DofbL hLjg aLdf – – – –

hDdf 25,444,188 12,313,714 2,095,893 965,535



8th

cg';"rL–$bfjL e'QmfgL

qm=;+= aLdfsf] lsl;dd[To" bfjL e'QmfgL

cjlw ;dfKtL bfjL

e'QmfgL

cf+lzs cjlw ;dfKtL bfjL

e'QmfgL;dk{0f d"No bfjL e'QmfgL

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

1 ;fjlws hLjg aLdf 5,207,510 3,342,081 918,500 290,855 – – 8,249,269 4,908,798


290,561 171,041 – – 6,152,000 4,148,000 427,085 238,789


1,345,850 888,525 228,600 – – – 541,667 401,587


29,260,983 – – – – – – –

5 DofbL hLjg aLdf – – – – – – – –

hDdf 36,104,904 4,401,647 1,147,100 290,855 6,152,000 4,438,855 9,218,021 5,549,174

qm=;+= aLdfsf] lsl;dcGo bfjL e'QmfgL s"n bfjL e'QmfgL

s"n bfjL e'QmfgLdf

k'gaL{dssf] lx::ffbfjL e'QmfgL -v'b_

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

1 ;fjlws hLjg aLdf – – 14,375,279 8,541,734 4,878,042 1,417,012 9,497,237 7,124,722


– – 6,869,646 4,557,830 – – 6,869,646 4,557,830


– – 2,116,117 1,290,112 280,000 445,000 1,836,117 845,112


– – 29,260,983 – 11,704,392 – 17,556,591 –

5 DofbL hLjg aLdf – – – – – – – –

hDdf – – 52,622,024 14,389,676 16,862,434 1,862,012 35,759,590 12,527,664



cg';"rL–%

clestf{ s

ldzg

qm=;

+=aLdf

sf] ls

l;d

k|yd

aif{s

f] aLdf

z'Ns

df

cle

stf{ s

ldzg

gjLs

/0f aLdf

z'Ns

df c

lestf{

sld

zg

Psn a

Ldfz

'Nsdf

cle

stf{

sld

zg

hDd

f cle

stf{ s

ldzg

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1;fjlws h

Ljg

aLdf

34,999

,300

20

,848,156

1

6,79

9,827

10

,527

,445

847,34

5 2

,434

,249

52,64

6,472

33

,809

,850

2clu

|d e

'Qmfg

L ;fjlws

hLj

g aL

df

14,744,775

4

,374

,470

2

,259

,167

1

,232

,818

–

–

17

,003

,941

5,607

,288

3?k

fGtl/t ;

fjlws P

j+ cfh

Ljg

hLj

g aL

df

7,387,66

2 4

,707

,702

3

,145,13

3 1

,762

,850

–

–

1

0,53

2,79

5 6

,470

,552

4j}b

]lzs /

f]huf/ Dof

bL

hLj

g aL

df

–

–

–

14,931

,194

4,4

57,569

14

,931

,194

4

,457

,569

5Do

fbL hLj

g aL

df

–

–

–

–

–

–

–

–

hDd

f 5

7,131,73

6 2

9,93

0,32

8 2

2,20

4,12

7 13,52

3,113

15,77

8,53

9 6

,891

,818

9

5,114,

402

50,34

5,25

9

cg';"rL–^

;]jf z'Ns -v'b_

qm=;

+=aLdf

sf] ls

l;d

s'n ;

]jf z

'Nss'n ;

]jf z

'Nsdf

k'ga

L{dssf]

lx:;

f;]jf z

'Ns -v'b_

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1;fjlws h

Ljg

aLdf

3,739

,401

2

,797

,143

53,446

36,35

4

3,685,95

5 2

,760

,789

2clu

|d e

'Qmfg

L ;fjlws h

Ljg

aLdf

826

,782

319

,286

18,8

54

7,289

807

,928

3

11,997

3?k

fGtl/t ;

fjlws P

j+ cfh

Ljg

hLj

g aL

df

639

,734

4

03,750

1

3,21

0 8

,574

6

26,524

3

95,176

4j}b

]lzs /

f]huf/ Dof

bL h

Ljg

aLdf

2,050

,176

6

28,271

8

35,943

278

,902

1

,214

,233

3

49,36

9

5Do

fbL hLj

g aL

df

1,932

2

,052

3

39

1,676

1

,593

3

76

hDd

f 7

,258

,025

4

,150

,502

9

21,7

91

332

,795

6

,336

,234

3

,817

,707



8th

cg';"rL–&Joj:yfkg vr{qm=;+= ljj/0f o; aif{ ut aif{

1 sd{rf/L vr{ -cg';"rL &=! adf]lhd_ 67,695,985 40,568,932 2 3/ ef8f 9,975,851 5,947,662 3 lah'nL tyf kfgL 1,516,565 950,178 4 dd{t tyf ;Def/

-s_ ejg – – -v_ ;jf/L ;fwg 239,152 197,882 -u_ sfof{no pks/0f 475,139 467,846 -3_ cGo -;km\6jo/_ 149,046 36,795

5 ;+rf/ 4,511,683 3,409,031 6 5kfO{ tyf d;nGb 5,582,692 4,254,674 7 vr{ x'g] sfof{no ;fdfg 910,639 466,812 8 kl/jxg 753,196 451,078 9 e|d0f vr{ -eQf ;d]t_

-s_ cfGtl/s 5,586,326 3,310,380 -v_ j}b]lzs – –

10 clestf{ tflnd 2,394,368 566,115 11 clestf{ cGo 43,847,706 25,989,987 12 aLdfz'Ns 327,160 163,055 13 ;'/Iff vr{ 439,455 276,365 14 sfg"gL tyf k/fdz{ z'Ns 9,882 109,288 15 kq klqsf tyf k':ts 129,539 91,633 16 lj1fkg tyf k|rf/ k|;f/ 476,894 375,394 17 Jofkf/ k|j4{g 3,098,915 1,938,842 18 cltyL ;Tsf/ 7,009 148,570 19 rGbf tyf pkxf/ 795,750 25,500 20 ;+rfns ;ldlt ;DaGwL vr{

-s_ a}7s eQf 596,500 552,500 -v_ cGo 82,103 155,881

21 cGo ;ldlt÷pk–;ldlt ;DaGwL vr{ -s_ a}7s eQf 142,500 126,000 -v_ cGo 22,529 31,415

22 ;fwf/0f ;ef ;DaGwL vr{ – 243,374 23 -s_ aLdfÍLo ;]jf z'Ns 452,424 542,909

-v_ aLdfÍLo vr{ – – 24 n]vf k/LIf0f ;DaGwL vr{

-s_ n]vf k/LIf0f z'Ns 372,900 141,250 -v_ s/ n]vf k/LIf0f z'Ns – – -u_ lj:t[t n]vf k/LIf0f k|ltj]bg z'Ns – – -3_ cGo z'Ns – – -ª_ cfGtl/s n]vf k/LIf0f vr{ 158,200 124,300 -r_ cGo vr{ 100,231 76,408

25 Aofh – 7,890 26 a}s rfh{ 64,628 25,469 27 z'Ns tyf b:t"/ 262,030 118,950 28 Xf; s§L 5,974,975 4,803,219 29 x'nfs l6s6 – – 30 cGo 1,876,264 1,732,023

afF* kmfF*sf] nflu hDdf 159,028,237 98,427,607 1 gfkmf gf]S;fg lx;fadf ;f/]sf] 41,448,226 9,601,465 2 ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 59,865,878 69,401,963 3 clu|d e'QmfgL ;fjlws hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 12,170,914 7,406,325 4 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 9,941,724 9,546,826 5 j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 35,565,463 2,412,961 6 DofbL hLjg aLdfsf] cfo Joo lx;fadf ;f/]sf] 36,031 58,067

hDdf 159,028,237 98,427,607



cg';"rL–&=!sd{rf/L vr{qm=;+= ljj/0f o; aif{ ut aif{

1= tna 32,469,000 20,755,468

2= eQf 19,785,549 11,750,685

3= bz} vr{ 2,167,447 1,338,856

4= ;~rosf]ifdf yk 2,149,385 1,414,360

5= tflnd vr{ 121,450 84,573

6= kf]zfs 532,690 8,240

7= cf}ifwf]krf/ 1,004,188 728,533

8= aLdf 1,606,753 7,535

9= k]G;g tyf pkbfg vr{ tyf Joj:yf 1,516,490 946,062

10= ljbf afkt vr{ tyf Joj:yf 5,975,070 3,147,729

11= cGo ;'ljwf afkt vr{ tyf Joj:yf -ljj/0f v'nfpg]_ – –

12= cGo sd{rf/LnfO{ lbPsf] k|f]T;fxg eQf 367,962 386,891

hDdf 67,695,985 40,568,932

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

1 o; aif{sf] cfos/ – –

2 cl3Nnf aif{x?sf] cfos/ – –

3 afF8kmfF8sf] nflu cfos/sf] hDdf – –

4 o; aif{sf] :yug s/ -33,056,295_ -12,084,797_

afF*kmfF*

gfkmf gf]S;fg lx;fadf ;f/]sf] -u_ Ö -s_ ± -v_ -33,056,295_ -12,084,797_

-s_ afF8kmfF8af6 cfPsf] cfos/ – –

-v_ o; aif{sf] :yug s/ -33,056,295_ -12,084,797_

1 ;fjlws hLjg aLdf – –

2 clu|d e'QmfgL ;fjlws hLjg aLdf – –

3 ?kfGtl/t ;fjlws Pj+ cfhLjg hLjg aLdf – –

4 j}b]lzs /f]huf/ DofbL hLjg aLdf – –

5 DofbL hLjg aLdf – –

hDdf -33,056,295_ -12,084,797_



8th

cg';"rL–!)

cfo Joo lx;fax?af6 gfkmf gf]S;fg lx;fadf ;f/]sf] /sd

qm=;

+=ljj/

0fo;

aif{

ut a

if{1=

;fjlws h

Ljg

aLdfs

f] cfo

Joo

lx;

faaf

;f/]sf]

–

–

2=clu

|d e

'Qmfg

L ;fjlws h

Ljg

aLdfs

f] cfo

Joo

lx;

faaf

6 ;f/]sf]

–

–

3=?k

fGtl/t ;

fjlws P

j+ cfh

Ljg

hLjg

aLdfs

f] cfo

Joo

lx;fjaf

6 ;f/]sf]

–

–

4=

j}b]lz

s /

f]huf/ Dof

bL h

Ljg

aLdfs

f] cfo

Joo

lx;

fjaf

6 ;f/]sf

-19

,226

,413

_ -6,16

9,12

1_5=

DofbL hLj

g aL

dfs

f] cfo

Joo

lx;

fjaf

6 ;f/]sf

68,8

89

13,04

2 hDd

f -19

,157

,524

_ -6,15

6,07

9_

cg';"rL–(

cfly{s jif{sf] cGTodf e

'QmfgL x'g afFsL bfjL afkt Joj:yf

qm=;+=

aLdfs

f] lsl

;d

e'Qmfg

L x'g afFs

L d[To

' bfjL

e'Qmfg

L x'g afFs

L cj

lw ;

dfKtL

bfjL

e'Qmfg

L x'g afFs

L cf

+lzs

cjlw

;d

fKtL b

fjL

e'Qmfg

L x'g afFs

L ;d

k{)f d

"No

bfjL

e'Qmfg

L x'g afFs

L cG

o bfj

L

;[hgf

ePsf

] t/

hfgs

f/Ldf

gcfPs

f] bfjL

-c

g'dflg

t_

e'Qmfg

L x'g afFs

L hDd

f bfj

Le'Q

mfgL x

'g afFs

L hDd

f bfj

Ldf k

'gaL{ds

sf] lx

::ff

e'Qmfg

L x'g afFs

L bfjL

afk

t Joj:

yf

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1=;f

jlws

hLjg

aLdf

381

,825

4

06,25

0 –

–

–

–

–

–

–

–

–

–

381

,825

4

06,25

0 – 100

,000

439

,098

352

,188

2=clu|d

e'QmfgL ;

fjlws

hLjg

aLdf

–

180

,575

–

–

–

–

–

–

–

–

–

–

–

180

,575

–

–

–

207

,661

3=?k

fGtl/t

;fjl

ws P

j+ cf

hLjg

hLjg

aLdf

456

,800

4

56,800

–

–

–

–

–

–

–

–

–

–

456,8

00

456

,800

2

43,75

0 2

43,75

0 2

45,00

8 2

45,00

8

4=j}b

]lzs

/f]huf/ Do

fbL h

Ljg a

Ldf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

5=Do

fbL h

Ljg a

Ldf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

hDdf

838

,625

1,043

,625

–

–

–

–

–

–

–

–

–

–

838

,625

1,04

3,625

243

,750

34

3,750

6

84,10

6 8

04,856



cg';"rL–!!

hLjg aLdf s

f]if

qm=;+=

aLdf

sf] ls

l;d

;dfof]h

g cu

f8Ls

f] hLjg

aLdf s

f]if

-jif{s

f] z'?d

f_cf

o Jo

o lx;

faaf6

;f/]s

f] gfkmf

gf]S;

fg

lx;faa

f6 ;

f/]sf

] hu

]8f s

f]ifaf6

;f/]s

f];d

fof]h

g cu

f8Ls

f] hLj

g aLdf

sf]if

-jif{s

f] cGTo

df_

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

!=;f

jlws

hLj

g aL

df 5

44,18

2,152

3

37,12

1,750

2

94,14

8,89

3 2

15,35

0,09

0 –

–

–

–

8

38,33

1,045

5

52,4

71,8

40

@=cl

u|d e

'Qmfg

L ;fjlws

hLjg

aLd

f 5

0,47

2,119

3

3,513

,350

50,51

9,21

0 1

8,20

5,45

9 –

–

–

–

1

00,991

,329

51,7

18,8

09

#?k

fGtl/t

;fjlws

Pj+ c

fhLj

g hL

jg a

Ldf

77,6

44,8

44

49,11

9,59

2 4

7,557

,223

29,43

9,71

5 –

–

–

–

1

25,20

2,067

7

8,55

9,30

7

$j}b

]lzs

/f]huf

/ Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

%Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

hDdf

672

,299

,115

419

,754

,692

3

92,225

,325

262

,995

,264

–

–

–

–

1,06

4,52

4,44

0 6

82,7

49,956

hLjg aLdf s

f]ifdf ;dfof]hg

qm=;+=

aLdfs

f] lsl

;d

;dfof

]hg c

uf8Lsf

] hLjg

aLdf

sf]if -jif{s

f] cGTo

df_

gfkmf gf]S

;fg

lx;fad

f

;f/]s

f]

aLdfn]v

cGtu

{t

bfloTj

af]g;s

f] nflu

Joj:

yf;f]Ne

]G;L d

flh{gs

f] nflu

Joj:

yfaf“8

kmf“8

gul/Ps

f] /sd

jif{sf

] cGTo

df h

Ljg a

Ldf s

f]if

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

!=;f

jlws

hLj

g aL

df 8

38,33

1,045

55

2,471

,840

10,14

2,568

8,

289,68

8 –

–

9

1,283

,115 7

4,60

7,189

–

–

9,18

3,564

6

,915

,042

82

8,18

8,47

7 5

44,182,15

2

@=cl

u|d e

'Qmfg

L ;f

jlws

hLj

g aL

df 1

00,991

,329

51,7

18,8

09 1

,604,

996

1,24

6,690

–

–

15,98

3,36

4

11,22

0,20

9 –

–

1

,172,1

28

430

,322

99,38

6,333

5

0,472

,119

#=?k

fGtl/t

;fjlws

Pj+

cfhL

jg h

Ljg

aLdf

125

,202,0

67

78,

559,30

7 1

,775,92

9 9

14,4

63

–

–

14,

444,

961

8,23

0,16

6 –

–

1

,330,27

2 6

42,4

77

123

,426

,138

77,64

4,8

44

$=j}b

]lzs

/f]huf

/ Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

%=Do

fbL h

Ljg

aLdf

–

–

–

–

–

–

–

–

–

–

–

–

–

–

hDdf

1,06

4,52

4,44

0 6

82,7

49,956

13,523

,493

10

,450

,841

–

–

121

,711,

440 9

4,05

7,56

4 –

–

11,6

85,964

7

,987

,841

1,0

51,00

0,947

6

72,299

,115



8th

cg';"rL–!@Joj:yf lkmtf{qm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ – 145,243 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ – 28,557 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –

hDdf – 173,800

cg';"rL–!#ckn]vg vr{x?qm=;+= ljj/0f o; aif{ ut aif{1= k|f/lDes vr{x? – – 2= k"j{ ;+rfng vr{x? – – 3= k/ ;fl/Psf vr{x? – – 4= ckn]vg ul/Psf] nufgL – – 5= ckn]vg ul/Psf] shf{ – – 6= ckn]vg ul/Psf] cf;fdL – – 7= cGo ckn]vg vr{x? – –

hDdf – –

cg';"rL–!# sz]o/ ;DaGwL vr{{qm=;+= ljj/0f o; aif{ ut aif{1= z]o/ lgZsf;g vr{ – – 2= z]o/ /lhi6]«;g vr{3= z]o/ ;"lrs/0f vr{ 50,000 138,700 4= nfef+z ljt/0f vr{ – – 5= z]o/ ;DaGwL cGo vr{ 206,463 819,104

hDdf 256,463 957,804

cg';"rL–!$cGo vr{x|?qm=;+= ljj/0f o; aif{ ut aif{1= b)* hl/jfgf – – 2= ljnDa z'Ns hl/jfgf 314,067 76,831 3= cGo – –

hDdf 314,067 76,831

cg';"rL–!%gf]S;fgLsf] nflu Joj:yfqm=;+= ljj/0f o; aif{ ut aif{1= nufgLdf gf]S;fgsf] nflu Joj:yf lkmtf{ 576,796 – 2= shf{df gf]S;fgsf] nflu Joj:yf lkmtf{ 34,134 31,999 3= z+sf:kb cf;fdL Joj:yf lkmtf{ – – 4= cGo Joj:yf lkmtf{ – –

hDdf 610,930 31,999



cg';"rL–!^-s_ z]o/ k"FhL

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

1= clws[t k"FhL

s_ ? !)) b/sf] %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000

v_ ?===== b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/ – –

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

2= hf/L k"FhL

s_ ? !)) b/sf] %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000

v_ ?=== b/sf] ====yfg ckl/jt{gLo cu|flwsf/ z]o/ – –

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

3= r'Qmf k"FhL

s_ ? !)) b/sf %)))))) yfg ;fwf/0f z]o/ 500,000,000 500,000,000

Go"g e'QmfgL k|fKt x'g afFsL ?===b/sf] ==yfg ;fwf/0f z]o/ – –

v_ ?===== b/sf] ====== yfg ckl/jt{gLo cu|flwsf/ z]o/ – –

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

hDdf 500,000,000 500,000,000

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

z]o/wgLo; aif{ ut aif{

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

;+:y

fks

g]kfnL ;+ul7t ;+:yfx? 1,978,099 39=56 1,770,554 35=41

g]kfnL gful/s 1,521,901 30=44 1,726,446 34=53

ljb]zL – – – –

hDdf 3,500,000 70 3,497,000 70

;j{;fwf/0f 1,500,000 30 1,503,000 30

cGo -ljj/0f v'nfpg]_ – – – –

s"n 5,000,000 100 5,000,000 100



8th

Ps k|ltzt jf al9 z]o/ :jldTj ePsf z]o/wgLx?sf] ljj/0f

qm+=;+= ljj/0f

o; aif{ ut jif{

:jfldTjsf]

%/sd :jfldTjsf] % /sd

1 >L dx]z s'df/ cu|jfn 1=11Ü 5,555,600 6=63 33,132,500

2 >L cflzif s'df/ cu|jfn – – 6=86 34,275,000

3 o'lgl6s OGe]i6d]G6 k|f= ln= 10=28Ü 51,388,900 10=28 51,388,900

4 o'gfO{6]8 OGe]i6;{ k|f= ln= 8=00Ü 39,987,500 8=00 39,987,500

5 >L lj/]Gb| s'df/ ;+3O{ 2=22Ü 11,111,100 2=22 11,111,100

6 k|'8]lG;on Soflk6n Dofg]hd]G6 s+= k|f= ln= 11=76Ü 58,821,000 6=99 34,958,000

7 >L ljzfn cu|jfn 1=82Ü 9,100,000 1=02 5,100,000

8 >L lgs'GHf cu|jfn 1=74Ü 8,688,700 1=04 5,188,700

9 >L hulbz k|;fb cu|jfn 1=04Ü 5,200,000 1=04 5,200,000

10 >L cg'h cu|jfn 1=06Ü 5,300,000 1=06 5,300,000

11 Unf]an O{Dk]S; OG6/g]zgn k|f=ln= – – 1=11 5,555,600

12 Kof/fdfpG6 O{n]S6«f]lgS; k|f=ln= 1=11Ü 5,555,600 1=11 5,555,600

13 olt lasfz a}+s ln= – – 1=32 6,615,500

14 k'hf OG6/g]zgn g]kfn k|f=ln= 1=40Ü 7,022,100 1=40 7,022,100

15 Unf]an 6]«l8Ë sG;g{ k|f=ln= 1=48Ü 7,391,700 1=48 7,391,700

16 >L czf]s s'df/ cu|jfn 4=08Ü 20,398,800 4=08 20,398,800

17 o'gfO6]8 l8l:6Ao'6;{ g]kfn k|f=ln= 1=72Ü 8,623,600 1=72 8,623,600

18 >L rGb| k|;fb 9sfn 2=06Ü 10,282,500 2=06 10,282,500

19 >L slatf ;+3O{ 3=50Ü 17,500,100 3=50 17,500,100

20 cfO{PdO{ u'|k k|f=ln= 3=90Ü 19,481,200 3=90 19,481,200

21 >L clk{t cu|jfn 1=34Ü 6,700,000 – –

22 >L lbk]z v]]]tfg cu|jfn 2=02Ü 10,076,900 – –

hDdf 61=64Ü 308,185,300 66=81 334,068,400



cg';"rL–!&hu]8f tyf sf]ifqm=;+= ljj/0f o; aif{ ut aif{

1= :yug s/ hu]*f 59,528,253 26,471,958 2= k"FhLut hu]8f – – 3= ljz]if hu]8f – – 4= cGo hu]8f -ljj/0f v'nfpg]_ – – 5= z]o/ lk|ldod 27,671,786 27,671,786 6= k|:tfljt af]gz z]o/ 31,250,000 – 7= k"FhLs[t x'g af+sL af]g; z]o/ – – 8= Gffkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf 23,566,907 70,126,240

hDdf 142,016,946 124,269,984

cg';"rL–!*dxf–ljklQ hu]8f

jif{sf] z'?df dxf–ljklQ hu]8f gfkmf gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf dxf–ljklQ hu]8fo; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ 9,246,088 – 2,194,146 9,246,088 11,440,234 9,246,088

– – – – – – – – – – – –

hDdf 11,440,234 9,246,088

cg';"rL–!(ltg{ jfsL bL3{sflng C0f tyf ;fk6Lqm=;+= ljj/0f o; aif{ ut aif{

1= l8a]Gr/ ÷ a08 – –2= a}+s – –3= ljQLo ;+:yf – –4= cGo -ljj/0f v'nfpg]_ – –

hDdf – –



8th

cg';"rL–@)

l:y/ ;DklQ

ljj/

0f

k/n

df]n

x|f; s

§Lv'b

df]n

z'? d

f}Hbft

o; j

if{

yk]sf

]o;

jif{

36]sf

]hD

dfut

jif{;

Ddo;

jif{

laqmL÷

;dfof]h

ghD

dfo;

jif{;

Ddsf

]Uft

jif{;

Ddsf

]

lk|m x

f]N8 h

ldg

–

–

–

–

–

ejg

–

–

–

–

kmlg{r/

tyf

lkmS;

\r;{

5,4

52,62

8 2

,249,30

5 7

,701,9

33

2,76

0,21

6 9

43,31

5 3

,703,5

30

3,998

,403

2

,692,4

13

sfof

{no ;

fdfg

3,8

21,38

4 2

,510

,797

6,33

2,181

1

,410

,074

9

36,4

92

2,34

6,566

3

,985

,615

2,4

11,31

0

sDKo

"6/ t

yf ;

"rgf k

|ljwL

pks

/0f

6,36

0,31

2 3

,753,4

63

10,11

3,774

2

,682,9

71

1,544

,757

4,22

7,728

5

,886

,046

3

,677,3

41

cb[Zo

;Dk

lQ -l

jj/0

f v'nf

pg]_

222

,165

–

222

,165

82,5

92

44,

433

127

,025

9

5,14

0 1

39,573

;jf/L

;fw

g 1

2,092

,249

6,63

5,00

0 4

,768,

000

13,9

59,24

9 2

,192,8

20

2,019

,883

1,5

61,11

9 2

,651,5

85

11,3

07,66

4 9

,899

,428

lnh

xf]N8

;Dk

lQ 1

,240,55

5 1

,245,19

3 2

,485

,748

416

,666

337

,829

7

54,4

96

1,73

1,252

8

23,8

88

cGo

-h]g]/

]6/_

1,27

7,785

1

22,11

4 1

,399,89

9 3

99,24

0 1

48,26

5 5

47,504

8

52,39

5 8

78,546

hDdf

30,46

7,07

8 16,51

5,87

1 4

,768

,000

4

2,21

4,94

9 9

,944

,579

5

,974

,975

1,561

,119

14,

358,

435

27,

856,51

4 2

0,52

2,49

9

lgdf

{0fflwg

k'FhLu

t vr

{ –

–

–

–

–

–

–

–

–

–

s'n 3

0,46

7,07

8 16,51

5,87

1 4

,768

,000

4

2,21

4,94

9 9

,944

,579

5

,974

,975

1,561

,119

14,

358,

435

27,

856,51

4 2

0,52

2,49

9

ut j

if{ 2

2,33

4,99

4 15,04

0,72

9 1,542

,000

3

5,83

3,724

10,89

3,288

4

,803

,219

1,1

42,592

14,

553,9

15

21,2

79,8

08

11,4

41,7

06



cg';"rL–@!nufgLqm=;+= ljj/0f o; aif{ ut aif{

-s_ bL#{sflng nufgL M

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 49,752,000 59,752,000

@= jfl0fHo a}+ssf] d'2tL lgIf]k 145,000,000 322,000,000

#= ljsf; a}+ssf] d'2tL lgIf]k 110,000,000 45,000,000

$ gful/s nufgL of]hgf – –

% ljQLo ;+:yfsf] d'2tL lgIf]k 148,200,000 59,200,000

^ cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ – –

& cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ 190,125,117 41,165,777

* a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – –

( cGoM laleGg a}+sx¿sf] j08x¿ 107,425,000 73,778,000

hDdf 750,502,117 600,895,777

-v_ cNksflng nufgL M

!= ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 10,000,000 –

@= jfl0fHo a}+ssf] d'2tL lgIf]k 592,000,000 330,000,000

#= ljsf; a}+ssf] d'2tL lgIf]k 125,000,000 131,000,000

$ gful/s nufgL of]hgf – –

% ljQLo ;+:yfsf] d'2tL lgIf]k 5,000,000 52,500,000

^ a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ – –

& afl0fHo j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 121,354,440 34,112,027

* ljsf; j}+ssf] Aofh k|fKt x'g] cGo lgIf]k 8,256,556 6,295,011

( ljlQo ;+:yfsf] Aofh k|fKt x'g] cGo lgIf]k 1,322,566 283,806

!) cGo Jofh k|fKt x'g] nufgL – –

hDdf 862,933,562 554,190,844

s'n 1,613,435,679 1,155,086,621



8th

cg';"rL–@!=!z]o/df nufgL

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

1 PgcfO{;L Pl;of a}+s lnld6]8sf] &,!%) yfg z]o/ k|lt z]o/ ? $**.^( 3,494,118 715,000 3,494,118 4,411,550

2 g]kfn OGe]i6d]G6 a}+ssf] (&& yfg z]o/ k|lt z]o/ ? &^!.#) 743,786 97,700 743,786 687,808

3 g]kfn OGe]i6d]G6 a}+ssf] ^&,^!) yfg z]o/ k|lt z]o/ ? $@$.(# - ;+:yfks_ 28,729,261 6,761,000 28,729,261 35,157,200

4 hgtf a+}s lnld6]8 #,)() yfg z]o/ k|lt z]o/ ? !)).)) 300,000 309,000 300,000 846,660

5 glan Dofr'cn kmG8 @@*,&#& yfg o'lg6 k|lt o'lg6 ? !).)) 2,287,370 2,287,370 2,287,370 3,087,950

6 glan a}+s lnld6]8 @(,^*# yfg z]o/ k|lt z]o/ ? (*#.&#-;+:yfks_ 29,199,930 2,968,300 29,199,930 39,300,292

7 Pe/]i6 a+}s lnld6]8 &,^^) yfg z]o/ k|lt z]o/ ? !$)&.&% 10,783,361 766,000 10,783,361 16,239,200

8 Unf]an cfO{PdO{ a+}s lnld6]8 @&,)&!yfg z]o/ k|lt z]o/ ? %##.*% 14,451,879 2,707,100 14,451,879 18,137,570

9 PgPdla a}+s lnld6]8 @,&(& yfg z]o/ k|lt z]o/ ? @)*.^^ 583,618 279,700 583,618 1,446,049

10 s'df/L a}+s lnld6]8 %%,@## yfg z]o/ k|lt z]o/ ? ^^.$# -;+:yfks_ 3,668,884 5,523,300 3,668,884 10,439,037

11 nIdL a}+s lnld6]8 $&& yfg z]o/ k|lt z]o/ ? @#.)^ 11,000 47,700 11,000 190,800

12 ;g/fOh a}s lnld6]8 (,)!% yfg z]o/ k|lt z]o/ ? #!#.$( 2,826,111 901,500 2,826,111 5,003,325

13 ;fgf ls;fg lasf; a}+s lnld6]8 &$! yfg z]o/ k|lt z]o/ ? *^.(! 64,400 74,100 64,400 1,142,622

14 ?/n dfOs|f] kmfOgfG; lasf; a}+s lnld6]8 !,!#% yfg z]o/ k|lt z]o/ ? !^#.^& 185,760 113,500 185,760 743,425

15 s[lif lasf; a+}s lnld6]8 !,^*( yfg z]o/ k|lt z]o/ ? $^$.(^ 785,314 168,900 785,314 1,165,410

16 g]kfn a+}s lnld6]8 (,&@# yfg z]o/ k|lt z]o/ ? #!*.&$ 3,099,078 972,300 3,099,078 4,492,026

17 ;flgdf a+}s lnld6]8 %&% yfg z]o/ k|lt z]o/ ? $$&.%^ 257,347 57,500 257,347 319,125

18 l;¢fy{ a+}s lnld6]8 *,*)* yfg z]o/ k|lt z]o/ ? ^^$.)& 5,849,085 880,800 5,849,085 5,971,824

19 lxdfnog a+}s lnld6]8 %)( yfg z]o/ k|lt z]o/ ? &(@.@( 403,276 50,900 403,276 413,817

20 l/l8 xfO{8«f] kfj/ 8]enkd]06 s=ln= !)# yfg z]o/ k|lt z]o/ ? (!.@^ 9,400 10,300 9,400 41,715

21 l;¢fy{ Dofr'cn kmG8 %,*(,&&$ yfg o'lg6 k|lt o'lg6 ? !).)) 5,897,740 5,897,740 5,897,740 6,003,899

22 nIdL nB'ljQ ljQ ;+:yf $! Yffg z]o/ k|lt z]o/ ? !)) 4,100 4,100 4,100 38,089

23 k'8]G;Lon OG:of]/]G; sDkgL $,%$) Yffg z]o/ k|lt z]o/ ? $#*.($ 1,992,766 454,000 1,992,766 1,934,040

24 g]kfn b'/;~rf/ sDklg ln ^,$!) yfg z]o/ k|lt z]o/ ?=^@#.%@ 3,996,782 641,000 3,996,782 4,076,760

25 d'StLyfg ljsf; a}s ln @@,!^# yfg z]o/ k|lt z]o/ ? %%).%& 12,202,346 2,216,300 12,202,346 12,499,932

26 ul/df ljsf; a}s ln !),#&# yfg z]o/ k|lt z]o/ ? @*!.)! 2,914,905 1,037,300 2,914,905 3,163,765

27 lxdfnog hg{/n OG:of]/]G; s ln #@! yfg z]o/ k|lt z]o/ ?=%#&.^) 172,570 32,100 172,570 122,301

28 l;¢fy{ OG:of]/]G; sDklg lnld6]8 #,)$* yfg z]o/ k|lt z]o/ ? *)@.$* 2,445,953 304,800 2,445,953 1,978,152

29 PgcfO aLPn Dofr'cn kmG8 *^,($% yfg o'lg6 k|lt o'lg6 ? !).)) 869,450 869,450 869,450 878,145

30 nIdL Eofn' kmf08 !^),*)^ yfg o'lg6 k|lt o'lg6 ? !).)) 1,608,060 1,608,060 1,608,060 1,608,060

31 ljhof nB'ljQ ljQ ;+:yf @# Yffg z]o/ k|lt z]o/ ? !)).)) 2,300 2,300 2,300 2,300

32 cfOPnPkml; dfOqf]kmfOGgf; laQLo ;+:yf !% yfg z]o/ k|lt z]o/ ? !)).)) 1,500 1,500 1,500 1,500

33 ;Ktsf];L 8]enKd]G6 a}s ln !!&) yfg z]o/ k|lt z]o/ ? !)).)) 117,000 117,000 117,000 117,000

34 g]kfn k'gaL{Dff sDkgL lnld6]8 %)!,^^^ yfg z]]o|/ k|lt z]o/ ? !)).)) 50,166,667 50,166,667 50,166,667 50,166,667

hDdf 190,125,117 89,044,287 190,125,117 231,828,014



cg';"rL–@@gub tyf a}+s df}Hbft

qm=;+= ljj/0f o; aif{ ut aif{1 gub tyf r]s df}Hbft 53,422,879 26,996,185

hDdf 53,422,879 26,996,185 2 a}+s df}Hbft

jfl0fHo a}+sx?sf] df}Hbft 4,178,431 14,872,310 ljsf; a}+sx?sf] df}Hbft 8,000 3,000 ljQLo ;+:yfx?sf] df}Hbft – – cGo -ljj/0f v'nfpg]_ – –

hDdf 4,186,431 14,875,310 s"n 57,609,310 41,871,495

cg';"rL–@#cGo shf{

qm=;+= ljj/0f o; aif{ ut aif{s lb3{sflng shf{ – – 1 clestf{nfO{ shf{ 26,924,849 28,228,602 2 sd{rf/LnfO{ shf{ – – 3 cGo -ljj/0f v'nfpg]_ – –

hDdf 26,924,849 28,228,602 v cNksflng shf{ – – 1 clestf{nfO{ shf{ – – 2 sd{rf/LnfO{ shf{ 20,954,018 456,313 3 cGo -ljj/0f v'nfpg]_ – –

hDdf 20,954,018 456,313 hDdf 47,878,867 28,684,915

cg';"rL–@$cGo ;DkQL

qm=;+= ljj/0f o; aif{ ut aif{1 nufgLaf6 k|fKt x'g afFsL cfo 30,881,732 21,938,632 2 aLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL Aofh 2,199,299 901,482 3 cGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL Aofh 194,165 – 4 cGo aLdsaf6 k|fKt x'g afFsL – – 5 k'gaL{dsaf6 k|fKt x'g afFsL – – 6 ljljw cf;fdL 2,285,233 2,801,691 7 clu|d e'QmfgL 66,361,991 51,145,786 8 sd{rf/L k]ZsL 376,002 696,510 9 cGo k]ZsL 433,509 55,539,907 10 w/f}6L 1,095,380 276,840 11 c;'n x'g afFsL aLdfz'Ns – –

Go"g M c;'n x'g afFsL aLdfz'Ns d'NtjL -suspense_ – – 12 cGoM df}Hbft -ckmL; ;fdfg_ 1,878,071 304,672 13 cGoM :yug s/ ;DkQL 59,528,253 26,471,958

hDdf 165,233,635 160,077,478



8th

cg';"rL–@%rfn' bfloTj

qm=;+= ljj/0f o; aif{ ut aif{1 clestf{nfO{ lbg afFsL 38,734,156 9,501,654 2 cGo aLdsnfO{ lbg afFsL – – 3 k'gaL{dsnfO{ lbg afFsL 27,804,473 22,448,971 4 cNksflng shf{ – – 5 aLdfz'Ns w/f}6L 1,857,312 1,323,451 6 k"0f{ ljj/0f gv'n]sf] aLdfz'Ns 1,942,317 802,816 7 ljljw ;fx" 5,259,626 17,699,323 8 ;xfos÷xf]lN8Ë sDkgLnfO{ lbg afFsL – – 9 >f]tdf s§f ul/Psf] s/ ltg{ afFsL 11,581,648 6,053,855 10 d"No clea[{l4s/ ltg{ afFsL – – 11 ;]jf z'Ns ltg{ afFsL 7,258,025 4,150,502 12 sd{rf/LnfO{ lbg afFsL 562,913 825,634 13 ;+rfnsnfO{ lbg afFsL – – 14 cGoM

-s_ sd{rf/L sNof0f sf]if 120,365 113,500 -v_ sn O{g P8efG; -xsk|b z]o/ afkt_ – –

hDdf 95,120,835 62,919,706

cg';"rL–@^c;dfKt hf]lvd Joj:yf

qm=;+= ljj/0f o; aif{ ut aif{1 a}b]lzs /f]huf/ DofbL lhjg aLdf 115,000,000 38,000,000 2 DofbL hLjg aLdf 77,724 18,808

hDdf 115,077,724 38,018,808



cg';"rL–@&

ckn]vg÷;dfof]hg x'g afFsL ljljw vr{x?

qm=;

+=ljj/

0fo;

aif{

ut a

if{1

ckn

]vg

ug{

afFsL k|f/lDe

s v

r{

–

–

2

ckn

]vg

ug{

afFsL k"j

{ ;+rfn

g vr{

–

–

3

ckn

]vg

ug{

afFsL nufg

L lk|ld

od

–

–

4

ckn

]vg

ug{

afFsL :y

ug

ul/Ps

f vr{

–

–

5

cGo

-ljj/

0f v

'nfp

g]_ –

–

hDd

f –

–

cg';"rL–@^ s

cGo Joj:yf

qm=;

+=ljj/

0fjif{s

f] ;'?d

f Joj

:yf

rfn'

cf=j=d

f yk

ul/P

sf]

Joj:

yf

rfn'

cf=j=d

f ckn

]vg ÷

e'Qmfg

L ul/Ps

f] Joj

:yf

rfn'

cf=j=d

f lkmt

f{

ul/P

sf] Joj

:yf

aif{s

f] cGTo

df s

fod

/x]sf

]]

Joj:

yf

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

o; j

if{ut

jif{

1nf

ef+z

cfos

/ sf

] nflu

Joj:

yf –

–

1

,644,

737

–

–

–

–

1,64

4,73

7 –

2cf

os/

Joj:

yf 2

32,037

2

32,037

–

–

2

32,037

–

–

–

–

2

32,037

3nu

fgLd

f gf]S;

fgLs

f]] nflu

Joj:

yf –

1

45,24

3 5

76,79

6 –

–

–

–

1

45,24

3 5

76,79

6 –

4sh

f{df g

f]S;fg

Lsf]] n

flu Jo

j:yf

3,4

42

31,9

99

34,

132

–

–

–

–

28,

557

37,5

74

3,4

42

5z+s

f:kb

cf;f

dLsf

] nflu

Joj:

yf –

–

–

–

–

–

–

–

–

–

6cG

o gf

]S;fg

Lsf]] n

flu Jo

j:yf

–

–

–

–

–

–

–

–

–

7sd

{rf/L

;DjG

wL Jo

j:yf

–

–

–

–

–

–

–

–

–

–

s_ k

]G;g

tyf p

kbfg

Joj:

yf 2

,352,0

62

1,470

,694

1,516

,490

8

81,36

8 2

32,4

23

–

–

–

3,63

6,129

2

,352,0

62

v_ lj

bf j

fkt

Joj:

yf 5

,239,97

5 3

,646,6

66

5,935

,070

3,1

47,72

9 1

,095

,484

1,5

54,4

20

–

–

10,079

,560

5,23

9,97

5

u_ c

fjf;

tyf

cGo

;'ljwf

Joj:

yf –

–

–

–

–

–

–

–

–

–

3_ s

d{rf/L

af]g

; Jo

j:yf

3,17

0,65

0 4

,065

,925

–

3

,170,65

0 –

4,

065,92

5 –

–

3

,170,65

0 3

,170,65

0

ª_ c

Go –

–

–

–

–

–

–

–

8cG

o Jo

j:yf

ljj/

)f v'n

fpg]

–

–

2,971

,953

–

–

–

–

–

2

,971

,953

–

hDdf

10,99

8,16

6 9

,592

,564

12

,679

,177

7,19

9,74

7 1,559

,944

5

,620

,345

–

173

,800

2

2,117

,399

10,99

8,16

6



8th

cg';"rL–@*

ljQLo ljj/0f;+u ;DalGwt k|d'v n]vf gLltx?! ljQLo ljj/0f tof/Lsf cfwf/x? M cGoyf pNn]lvt ul/Psf]df afx]s sDkgLn] ljQLo ljj/0fx? g]kfn n]vfdfg, sDkgL P]g @)^#, aLdf lgodfjnL @)$( tyf

aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg, @)^% -ldlt @)^&.)%.@! kl/dflh{t_ cg';f/ P]ltxfl;s d"No cjwf/0ff tyf k|f]befjL (Accrual) cfwf/df tof/ ul/Psf] 5 .

@= l:y/ ;DklQ n]vfÍg gLlt M sDkgLn] l:y/ ;DklQx? P]ltxfl;s d"No cjwf/0ff (Historical Cost Concept) sf] cfwf/df nfut d'Nodf n]vfÍg ug]{ gLlt

cjnDag u/]sf]] 5 .

#= Xf; s§L gLlt M ;+rfns ;ldltsf] lg0f{o cg';f/ l:y/ ;DklQsf] x|f; s§L cfos/ P]g @)%* 4f/f lgb]{lzt b/ cGtu{t 36\bf] x|f; k|0ffnL

cg';f/ l:y/ ;DklQsf] pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ gLlt cjnDag u/]sf]] 5 . t/ sDkgLn] lnhxf]N8 ;DklQdf !) jif{ ggf£g] ul/ ckn]vg ug]{ gLlt cjnDag u/]sf]] 5 .

$= k"FhLs[t gul/g] ;DklQx? ;DaGwL n]vfÍg gLlt M sDkgLn] k|lt OsfO ? @,%))÷— ;Dd d"No kg]{ ;fdfgx? k"FhLut k|s[tLsf] eP klg k|s[tL x]/L vl/b ePs} aif{df vr{ n]

Vg] gLlt cjnDag u/]sf]] 5 .

%= cfos/ Joj:yf tyf afF8kmFf8 gLlt M sDkgLn] cfos/ P]g @)%* / cfos/ lgodfjnL @)%( cg';f/ cfos/sf] Joj:yf u/]sf]]] 5 . s"n cfos/ /sd -:yug s/ ;dfof]hg

ug'{ eGbf klxnfsf]_nfO{ aLdf ;ldltsf] ljQLo ljj/0f ;DalGw lgb]{zg, @)^% cg';f/ gfkmf gf]S;fg lx;fj tyf cfo Joo lx;fasf] ef/ cg';f/ afF8kmfF8 ug]{ gLlt cjnDag u/]sf]] 5 . :yug s/nfO{ gfkmf gf]S;fg lx;fjdf b]vfpg] gLlt cjnDag ul/Psf]] 5 .

^= nufgL n]vfÍg gLlt M sDkgLsf] nufgL n]vfÍg gLlt lgDg cg';f/ /x]sf] 5 .

-s_ g]kfn ;/sf/sf] jrtkq÷C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0fkqdf jf klAns lnld6]8 sDkgLsf] artkq÷C0fkqdf ul/Psf] nufgLnfO{ n]vfÍg ubf{ aLdf ;ldltsf] ljQLo ljj/0f ;DjGwL lgb]{zg @)^% adf]lhd clÍt d"No (Face Value) jf k/n d"No dWo] h'g 36L 5 ;f]xL d"Nodf n]vfÍg ug]{ gLlt cjnDag u/]sf]] 5 .

-v_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d"No eGbf k/n d"No a9L ePdf To:tf] a9L /sdnfO{ :yug ul/Psf] vr{ (Deferred Expenditure) sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf] cjwL leq ;dfg'kflts cfwf/df (Pro-rata Basis) ckn]vg ug]{ gLlt /x]sf] 5 .

-u_ v08 -s_ adf]lhd ul/Psf] nufgLsf] clÍt d'No eGbf k/n d'No sd ePdf To:tf] km/s /sdnfO{ nufgL cjlw leq ;dfg'kflts cfwf/df nufgLaf6 cfosf] ?kdf n]vfÍg ug]{ gLlt /x]sf] 5 .

-3_ v08 -s_ adf]lhdsf jrtkq jf C0fkqsf] n]vfÍg ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s /sdsf] a/fa/ Joj:yf (Provision) ug]{ gLlt /x]sf] 5 .

-ª_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]k jf gfu/Ls nufgL sf]ifsf] nufgL of]hgfx?df ul/Psf] nufgLnfO{ ;fFjf /sddf b]vfOg] gLlt /x]sf] 5 . t/ To:tf] nufgLsf] Dofb ;dfKtL kl5 s'g} sf/0fj; tTsfn lkmtf{ x'g g;Sg] cj:yf >[hgf ePdf To:tf] nufgL /sdsf] a/fa/ Joj:yf ug]{ gLlt cjnDag u/]sf] 5 .

-r_ klAns lnld6]8 sDkgLsf] ;"lrs[t z]o/df ul/Psf] nufgLnfO{ k/n d"No jf ahf/ d"No dWo] h'g 36L 5 ;f]xL d"Nodf b]vfpg] / z]o/df ul/Psf] nufgLsf] n]vfÍg nufgL ul/Psf] d"No eGbf ahf/ d"No sd x'g uPdf To:tf] km/s /sd a/fa/ nufgLdf gf]S;fgLsf] lgldQ Joj:yf (Provision) ug]{{ gLlt /x]sf] 5 .

-5_ klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/df ;"lrs[t gePdf lgDg cg';f/ ug]{ gLlt cjnDag u/]sf] 5 .



-c_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ ;Dd To:tf] nufgLnfO{ k/n d"Nodf b]vfpg] gLlt /x]sf] 5 .

-cf_ sDkgLn] z]o/df nufgL u/]sf] klAns lnld6]8 sDkgLn] sf/f]jf/ ug]{ Ohfhtkq kfPsf] ldltn] tLg aif{ kl5 To:tf] nufgLnfO{ k/n d"Nodf b]vfO{ ;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 .

-h_ v08 -r_ adf]lhd nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/sf] ;"rLaf6 x6]df (De-listed ePdf) ;f] nufgL a/fa/sf] Joj:yf ug]{ gLlt /x]sf] 5 . k|rlnt sfg'g adf]lhd sDkgLsf] :jfldTjdf gcfPsf] jf g/x]sf] z]o/, artkq, C0fkq jf cGo ;DklQnfO{ nufgLdf

;dfj]z gug]{ gLlt cjnDag u/]sf] 5 .

&= ;6xL 36a9 ;dfof]hg gLlt M sDkgLn] ljb]zL d'b|fdf /x]sf] ;DklQ / bfloTjnfO{ aiff{Gtsf] ljlgdo b/n] ?kfGt/ ug]{ tyf b}lgs ljlgdo b/af6 pTkGg

km/snfO{ gfkmf gf]S;fg lx;fadf n]vfÍg ug]{ gLlt cjnDag u/]sf] 5 .

*= aLdfz'Ns cfDbfgL n]vfÍg gLlt M sDkgLn] aLdf z'Ns cfDbfgL lx;fj, aLdf P]g tyf lgb]{lzsf adf]lhd, gub cfwf/df n]vfÍg ug]{ gLlt ckgfO{Psf]] 5 .

(= k'gaL{df sldzg cfDbfgL n]vfÍg gLlt M sDkgLn] k'gaL{df u/] afkt k|fKt x'g] d'gfkmf sldzgnfO{ gub k|flKtsf] cfwf/df cfDbfgL afWg] t/ k'gaL{dsaf6 lnlvt

;dy{g k|fKt ePsf] cj:yfdf gub k|flKt ;/x dfGg] gLlt cjnDag u/]sf] 5 .

!)= cGo cfo n]vfÍg tyf afF8kmFf8 gLlt M sDkgLn] nufgLdf k|fKt ug]{ Jofh tyf cGo cfDbfgLnfO{ k|f]befjL (Accrual) cfwf/df n]vfÍg u/L ljQLo ljj/0f lgb]{zg @)^%

cg';f/ s'n cfDbfgLnfO{ cfo Joo lx;fj tyf gfkmf gf]S;fg lx;fjsf] ef/ adf]lhd afF8kmfF8 ug]{ gLlt cjnDag u/]sf] 5 .

!!= shf{ n]vfÍg gLlt M sDkgLn] k|bfg u/]sf] shf{nfO{ -c;'nL x'g] kof{Kt cfwf/ ePsf]_ ;f+jfdf n]vfÍg ul/g] 5 . aLdfn]vsf] lwtf]df k|bfg u/]sf]

afx]s lgis[o shf{ h'g nuftf/ tLg dlxgf jf ;f] eGbf a9L cjlwsf] efsf gf3]sf] ePdf ;f] shf{ a/fa/ /sd Joj:yf ug]{ gLlt /x]sf] 5 . aLdfn]vsf] lwtf]df k|bfg u/]sf] shf{sf] xsdf aLdfn]vsf] ;t{ adf]lhd To:tf] shf{ ;+u ;DalGwt aLdfn]v hkmt x'g' kg]{ ;dofjwL Plsg u/L hkmt x'g' kg]{ aLdfn]vsf] lwtf]df k|bfg ul/Psf] shf{nfO{ shf{ lzif{saf6 x6fO{ ;dfof]hg ug]{ u/]sf] 5 . k|To]s cfly{s jif{sf] cGTodf hkmt x'g] aLdfn]v Plsg ul/g] gLlt /x]sf] 5 .

!@= Joj:yfkg vr{ afF8kmFf8 gLlt M sDkgLNf] s"n Joj:yfkg vr{nfO{ af+8kmf8+ ubf{ ljQLo ljj/0f ;DjGwL lgb]{zg @)^% cg';f/ s'n aLdf lk|ldodsf] !*

k|ltzt ;Ddsf] /sdnfO{ lgb]{zg !$=@ cg';f/ gfkmf gf]S;fg lx;fjdf !) k|ltzt / af+sL /sdnfO{ cfo Joo lx;fjdf ltgLx?sf] ef/ cg';f/ afF8kmfF8 ul/Psf] 5 / !* k|ltzt eGbf a9L ePsf] /sdnfO{ lgb]{zg !$=# cg';f/ gfkmf gf]S;fg lx;fjdf ;fg]{ gLlt cjnDag u/]sf] 5 .

!#= aLdf bfjL e'QmfgL vr{ n]vfÍg gLlt M sDkgLNf] e'QmfgL eO;s]sf] bfjL /sdnfO{ jf:tljs e'QmfgLsf] cfwf/df n]vfÍg ug]{ gLlt cjnDag u/]sf] 5 .

!$= aLdf bfjL afkt bfloTj Joj:yf n]vfÍg gLlt M -s_ >[hgf ePsf] t/ hfgsf/Ldf gcfPsf] (IBNR) aLdf bfjL afkt bfloTj Joj:yf ;DaGwdf ljut aif{x?sf] cg'ejsf] cfwf/df

n]vfÍg ug]{ gLlt /x]sf] 5 . -v_ e'QmfgL lbg afFsL bfloTj /sdsf] nflu aLdf lgodfjnL @)$( sf] lgod !% -3_ df ePsf] k|fjwfg cg';f/ Ps ;o

kGw| k|ltzt /sd Joj:yf u/L n]vfÍg ug]{ gLlt lnOPsf] 5 .

!%= aLdf Joj;fodf art afF8kmFf8 gLlt M sDkgLNf] aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg @)^% cg';f/ art afF8kmfF8 ug]{ gLlt lnOPsf] 5 .

!^= sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf gLlt M sDkgLsf] sd{rf/L lgodfjnL cg';f/ sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf ug]{ gLlt /x]sf] 5 .



8th

!&= z+sf:kb cf;fdL Joj:yf gLlt M sDkgLNf] z+sf:kb cf;fdLsf] nflu Joj:yfkgn] lgwf{/0f u/]sf] cg'dfg cg';f/ Joj:yf ug]{ gLlt /x]sf] 5 .

!*= ckn]vg vr{ n]vfÍg gLlt M s_ k|f/lDes tyf k"j{ ;~rfng vr{x?nfO{ sDkgL ;+rfng ePs} aif{df vr{ n]Vg] gLlt lnOPsf] 5 . v_ ckn]vg ug{ afsL nufgL lk|ldodnfO{ :yug ul/Psf] vr{sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf] cjlw

leq ;dfg'kflts cfwf/df ckn]vg ug]{ gLlt /x]sf] 5 .

!(= cGo gLltx? M jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa nufotsf ljQLo ljj/0fnfO{ a'‰g / ljZn]if0f ug{ ;3fp k'Ug] cGo n]vf

gLltx? M s_ aflif{s jf ;f] eGbf sd cjlwsf] aLdfz'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL afkt bfjL e'QmfgL ug{' gkg]{ lsl;dsf]

aLdfsf] c;dfKt hf]lvd afkt v"b aLdf z'Nssf] krf; k|ltzt /sd jf aLdfÍLo d"NofÍg ePsf] cj:yfdf h'g a9L x'G5 ;f] eGbf sd gx'g] u/L bfloTj /sd Joj:yf ug]{ gLlt lnOPsf] 5 .

v_ Psn aLdf z'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL afkt bfjL e'QmfgL ug'{ gkg]{ lsl;dsf] aLdfsf] aLdf cjlwsf] ;dfg'kflts x'g]u/L jf aLdfÍLo d"NofÍg ePsf] cj:yfdf h'g a9L x'G5 ;f] eGbf sd gx'g] u/L bfloTj /sd Joj:yf ug]{ gLlt lnOPsf] 5 .

u_ lhG;L df}Hbft -:6]zg/L tyf 5kfO{_ sf ;+aGwdf aiff{Gtdf /x]sf] ?= !),)))÷— eGbf dflysf /sdnfO{ df}Hbftdf lng] gLlt /x]sf] 5 .

3_ c++snfO{ glhssf] ?k}+ofdf k|:t't ul/Psf] 5 .



cg';"rL–@(

ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx?1 ;Defljt bfloTjx? M

c_ r'Qmf jf e'QmfgL x'g afFsL nufgL gePsf] .cf_ xfn;Dd sDkgLn] s'g} k|Tofe"lt k|lta4tf u/]sf] 5}g .O_ aLdfn]v cGtu{t eGbf afx]s s'g} bfjL k/]sf] 5}g .O{_ sDkgLn] o; cf=j=df s'g} k|sf/sf] Uof/]06L lbPsf] 5}g . p_ cGo bfloTj gePsf] .

2 aLdfÍLn] aLdssf] bfloTj d"NofÍg ubf{ cjnDag u/]sf] cfwf/x? . sDkgLsf] bfloTj d"NofÍg ;DaGwdf o; jif{ aLdfÍLaf6 s"n ladfz"Ns (Gross Premium Method) cfwf/df bfloTj

d"NofÍg ul/Psf] 5 . bfloTj d"NofÍg ubf{ aLdf ;ldltsf] bfloTj d"NofÍg ;DaGwL lgb]{lzsf @)^% cg';f/ ug]{ ul/Psf] 5 .

3 aLdssf] ;DklQdf cfPsf] ;Lldttf tyf ljjfbx? .sDkgLn] vl/b u/]sf] ;DklQsf] :jfldTj sDkgLdfg} /x]sf] tyf pQm ;DklQx?df s'g} ljjfbx? ePsf] 5}g .

4 shf{, nufgL tyf l:y/ ;DklQsf] nflu ul/Psf] k|lta4tf . ljQ sDkgLx?df u/]sf] nufgL tyf sDkgLdf /x]sf] l:y/ ;DklQx?sf] cj:yf /fd|f] /x]sf] 5 .

5 nufgL;+u ;DalGwt b]xfosf v/Lb laqmL ;Demf}tfx?sf] d"No Mc_ sDkgLn] v/Lb u/]sf] ;a} ;DklQx?sf] :jfldTj k|fKt eO;s]sf] 5 . cf_ o; cf=j=df sDkgLn] laqmL u/]sf] ;DklQsf] e'QmfgL k|fKt eO;s]sf] 5 .

6 o; jif{e/L ul/Psf] nufgL tyf laqmL÷lkmtf{ lnPsf] nufgLsf]] ljj/0f .

qm=;= ljj/0f nufgL ?= nufgL lkmtf{{ ?= laqmL ?=

1 g]kfn ;/sf/sf] C0fkq tyf art kq – – –

2 sdl;{on a}+s 325,000,000÷– 240,000,000÷– –

3 ljsf; a}+s 180,000,000÷– 121,000,000÷– –

4 ljQLo ;+:yfsf] d'2tL lgIf]k 61,000,000÷– 19,500,000÷– –

5 klJns lnld6]8 sDkgLsf] ;fwf/0f z]o/ 154,759,039÷53 – 57,99,700÷–

6 sdl;{on l8j]Gr/ 33,647,000÷00 – –

HfDdf 748,756,227÷– 754,406,039÷53 380,500,000÷00

qm=;+ % cGtu{tsf] z]o/ ljlqmaf6 ?==!!),@$^.)) sf] gfkmf u/]sf] 5 .&= a}+s df}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g ;lxtsf] lx;fa ldnfg ;DaGwL Joxf]/f M

a}+s tyf ljQLo ;+:yfx?df /x]sf] a}Í df}Hbft sDkgLsf] lx;fj;Fu Reconcile /x]sf] 5, / ljQLo ;+:yfx?af6 df}Hbft ;dy{g kq k|fKt ePsf]] 5 .

*= k'gaL{ds;+u lng'÷lbg' afFsL lx;fa ;DaGwdf M ;DalGwt k'gaL{dsnfO{ e'QmfgL ug'{ kg]{ / lng'kg]{sf] ;dy{g k|fKt ePsf]] 5 . pSt ;dy{gnfO{ lgDg tflnsf af6 AoSt ul/Psf] 5 .

l;=g ljj/0f /sd ?=

!= k'gaL{df z'Ns e'QmfgL - k|fKt ;dy{g cg';f/ _ @&,*)$,$&#.))

@= cfly{s jif{ @)&!.&@ sf] k'gaL{df artdf (surplus) efu –

-!–@_ V'fb lbg aFfsL -ljQLo ljj/0f cg';f/_ @&,*)$,$&#.))



8th

(= aLdsn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x] g/x]sf] M sDkgLn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltn] tf]lsPsf] ;Ldf leq /x]/ ug]{ u/]sf] 5 .

!)= sDkgLsf] ;+rfns jf ;+rfns;+u ;DalGwt JolQm jf ;+:yf;+u sf/f]af/ ePsf] ljj/0f Mg]kfn n]vfdfg !^ (Nepal Accounting Standard-16) cg';f/ lgDgfg';f/nfO{ ;DalGwt kIf elg kl/eflift ul/Psf] 5 MJoj:yfkgdf /x]sf k|d'v JolQmx?M

;+rfns tyf cWoIfnfO{ Joj:yfkgsf k|d'v JolQmsf] ?kdf lnOPsf] 5 . ;f]sf] ljj/0f lgDgfg';f/ /x]sf] 5 . != >L /fdjfj' kGt cWoIf@= >L x]dGt gfx6f ;+rfns #= >L lagf]b s'df/ Kofs'/]n ;+rfns$= >L u+uf k|;fb zdf ;+rfns%= >L ljzfn cu|jfn ;+rfns^= 8f= lagf]b cfq]o ;+rfns&= >L lza l;x+ sfsL{ ;+rfns -ldlt @)&).)^.)& b]lv @)&@.)^.@! ;Dd_*= >L dx]z s'df/ cu|jfn ;+rfns -ldlt @)^(.!@.@^ b]lv @)&#.)^.)* ;Dd_ (= >L s]zj k|;fb eÞ§/fO{ ;+rfns -ldlt @)&@.!!.!$ b]lv @)&#.)&.@( ;Dd_!)= >L dgf]h s'df/ nfn s0f{ sf=d'=dxfk|jGws -ldlt @)&).)%.@% b]lv @)&!.)(.)$ ;Dd_!!= >L /fs]z kf]v/]n ;xfos—dxfk|aGws -ldlt @)&!.)(.)$ b]lv xfn ;Dd_

Joj:yfkgsf k|d'v JolQmnfO{ o; sDklgn]] u/]sf] e'QmfgL M

;+rfns ;ldltsf] j}7s eQf jfkt ?=%,(^,%)).)) / n]vfk/LIf0f tyf cGo ;ldltnfO{ j}7s eQf jfkt ?=!,$@,%)).)) e'QmfgL ePsf] 5 .

k|d'v Joj:yfkg sd{rf/L / ltgnfO{ k|bfg ul/Psf] kfl/>lds / ;'ljwf

qm= ;+= Gffd kbrfn" tna eQf /

;'ljwfeljiodf k|bfg ul/g] ;'ljwf

bL3{sfnLg ;'ljwf

af]g; tyf s= s= sf]if

hDdf

! dgf]h s'df/ nfn s0f{ sf=d'=dxfk|aGws -@)&!.)(.)$ ;Dd_

?= !,!!^,&$$.(* — — — ?= !,!!^,&$$.(*

@ /fs]z kf]v/]n ;xfos—dxfk|aGws ?= &)^,@#*.&) — — — ?= &)^,@#*.&)

pk/f]Qm jfx]s OGwg / df]afOn kmf]gsf] lan adf]lhdsf] vr{ e'QmfgL ul/Psf] 5 .!!= o; cfly{s jif{sf] cGtdf e'QmfgL x'g af+sL s'g} klg shf{ g/x]sf] .

!@= cf=j= @)^$.^%, cf=j=@)^%.^^, cf=j=@)^^.^&, cf=j=@)^&.^*, cf=j=@)^*.^(, cf=j=@)^(.&) / cf=j=@)&).&! sf] cfo ljj/0f :jod s/ lgwf{/0f u/L ;DalGwt cf=/f=sf=df k]z ul/;lsPsf] 5 . pQm cfo ljj/0fx? dWo] cf=a= @)^^.)^& ;Dd sf] ;DalGwt sfof{noaf6 clGtd s/ lgwf{/0f eO{;s]sf] / cGo cfly{s jif{x?sf] clGtd s/ lgwf{/0f x'g af+sL /x]sf] 5 .

!#= cf=j=@)&!.&@ ;Ddsf] ljdfÍLo d"NofÍg ul/ lgodgsf/L lgsfo >L aLdf ;ldtLaf6 :jLs[tL k|fKt eO{ aLldtnfO{ k|bfg ug]{ 3f]lift af]g; b/ tn pNn]v ul/P cg';f/ 5g .



aLdfn]vsf] lsl;d aLdf cjwL -aif{_ Aff]g; -k|lt aif{ k|lt xhf/_

;fjlws hLjg aLdf

%–( @%

!)–!$ @(

!%–!( #%

@)–@$ $#

@%–@( $(

#) jf ;f] eGbf dfyL %^

;fjlws tyf cfhLjg

%–( @%

!)–!$ @(

!%–!( #%

@)–@$ $#

@%–@( $(

#) jf ;f] eGbf dfyL %^

clu|d e'QmfgL

!)–!$ #!

!%–!( #!

@)–@$ $!

!$= l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns÷Aofhsf] b/ tyf aLdfn]vsf] lwtf]df k|bfg ul/g] shf{df Aofhsf] b/ M l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns jfkt !) k|ltztsf b/n] ljnDa z'Ns lng] ul/Psf] 5 . aLdfn]vsf] lwtf]df

k|bfg ul/Psf] shf{df !) k|ltztsf b/n] Jofh b/ sfod ul/Psf] 5 . pNn]lvt ljnDj z'Ns tyf Jofh jfkt qmdzM ?=^,!&,*$#.%^ tyf ?=@,)(%,*(#. -ljut jif{ ?= !,)$!,!!*.)) tyf ?= (,^%,%#%. _ k|fKt u/]sf] 5 .

r'Qmf k"FhL dWo] clu|d e'QmfgL k|fKt (Paid in advance), e'QmfgL k|fKt x'g afFsL -Call in arrears_ / hkmt ul/Psf t/ k'gM lgisfzg ul/Psf z]o/x? 5}g .

!%= lnh xf]N8 ;DklQdf ut jif{;Dd / o; jif{ vr{ (Amortization) n]lvPsf] /sdsf] ljj/0f M

ljj/0fut jif{;Ddsf]s'n /sd

ut jif{ ;Ddsf] vr{

n]lvPsf] /sd

o; jif{sf]yk /-36_ /sd

o; jif{sf] vr{ s'n vr{ jf+sL /sd

ljB'lto ;fdfg tyf h8fg416,767 61,842 344,635 112,049 173,890 587,511

wf/f jfy?d ;fdfg tyf h8fg

11,280 1,026 3,000 2,708 3,734 10,546

lgdf{0f tyf ;hfj6 812,508 353,798 897,558 223,073 576,871 1,133,195

HfDdf 1,240,555 416,666 1,245,193 337,829 754,496 1,731,252

!^= x|f; s§L lgltdf kl/jt{g

s_ ut cf=j ;Dd cfos/ P]g jdf]lhd :yL/ ;DkQLdf x|f; s§L ug]{ lglt /x]sf]df o; cf=j b]lv g]kfn n]vfdfg !^ cg'?k ;DktL pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ lglt cjnDag ul/Psf] 5 .

v_ sDkgLsf] x|f; s§L lgltnfO{ g]kfn n]vfdfg !^ cg'?k cg';/0f ug{ sDkgLsf] lglt kl/jt{g ul/Psf] xf] .



8th

u_ o;/L g]kfn n]vfdfg !^ cg'?k x|f; s§L u0fgf ubf{ cly{s jif{ @)&)÷&! ;Ddsf] ;DkQLdf ? &%&,#!).#$ n] ;dfof]hg ul/ ;f] sf] k|efj gfkmf gf]S;fg lx;fadf lbOPsf] 5 .

3_ cf=j @)&)÷&! ;Ddsf] l:y/ ;DkQL ;dfof]hg tflnsf

ljj/0f

cf=j @)&)÷&! sf] ljlQo

ljj/0f cg';f/ v'b l:y/ ;DkQL

;dfof]hgcf=j @)&)÷&! sf] ;dfof]lht v'b l:y/

;DkQL

lk|m xf]N8 hldg – – –

ejg – – –

kmlg{r/ tyf lkmS;\r;{ 2,531,041=00 161,371=69 2,692,412=69

sfof{no ;fdfg 2,241,043=00 170,267=19 2,411,310=19

sDKo"6/ tyf ;"rgf k|ljwL pks/0f 3,447,749=00 229,591=51 3,677,340=51

cb[Zo ;DklQ -ljj/0f v'nfpg]_ 117,489=00 22,083=77 139,572=77

;jf/L ;fwg 9,239,936=00 659,492=49 9,899,428=49

lnh xf]N8 ;DklQ 2,835,414=00 -2,011,525=69_ 823,888=31

cGo -h]g]/]6/_ 867,137=00 11,408=71 878,545=71

hDdf 21,279,809=00 -757,310=34_ 20,522,498=66

ª_ x|f; s§L lglt kl/jt{gsf] cf=j= @)&!÷&@ df k|efj

ljj/0flglt kl/jt{g ug'{ k"j{sf] x|f; s§L

kl/jlt{t lglt cg';f/ x|f; s§L

;dfof]hg

lk|m xf]N8 hldg –

ejg –

kmlg{r/ tyf lkmS;\r;{ 1,016,705 943,315 73,390

sfof{no ;fdfg 1,046,593 936,492 110,101

sDKo"6/ tyf ;"rgf k|ljwL pks/0f 1,754,930 1,544,757 210,173

cb[Zo ;DklQ -ljj/0f v'nfpg]_ 44,433 44,433 –

;jf/L ;fwg 2,323,612 2,019,884 303,728

lnh xf]N8 ;DklQ 182,785 337,830 -155,045_

cGo -h]g]/]6/_ 148,387 148,264 123

hDdf 6,517,445 5,974,975 542,470

!&= o; cf=j=df Jff;nft aflx/sf] sf/f]jf/ ePsf] 5}g .

!*= sd{rf/L cfjf; sf]if >d -klxnf] ;+zf]wg_ P]g, @)%$ sf] bkmf $! -!_ cg';f/ /fVg'kg]{ sd{rf/L cfjf; sf]ifsf] Joj:yf u/]sf] 5}g .

!(= cl3Nnf aif{ a9L bfaL ul/Psf] clu||d cfos/ ?= @#@,)#&.– nfO{ o; cf=j= df ;dfof]hg ul/Psf] 5 . @)= jf;nft, gfkmf gf]S;fg lx;fa, cfo Joo lx;fa ufotsf ljQLo ljj/0fx?nfO{ a'‰m\g / ljZn]if0f ug{ ;3fp k'Ug] cGo



hfgsf/Lx?M -s_ :yug s/ ;DklQ tyf bfloTj g]kfn n]vfdfg–9 cg';f/ @)&! cfiff9 d;fGtdf cfos/df lgDg cg';f/ u0fgf

ul/Psf] 5 .

ljj/0f n]vf cfwf/ s/ cfwf/ v"b /sd

l:y/ ;DklQ 27,856,514 15,536,430 -12,320,084_

nufgLdf lk|ldod – 289,431 289,431

nufgL afkt Joj:yf 576,796 – 576,796

pkbfg Joj:yf 3,636,129 – 3,636,129

ljbf afkt Joj:yf 10,079,560 – 10,079,560

shf{df gf]S;fgLsf]] nflu Joj:yf 37,574 – 37,574

o; jif{sf] gf]S;fg – !#^,!*#,($% !#^,!*#,($%

cl3Nnf] jif{af6 ;fl/Psf] gf]S;fg – ((,^@(,^^) ((,^@(,^^)

s"n c:yfO{ km/s 238,113,011:yug s/ ;DklQ @%Ü 59,528,253

eljiodf kof{Kt s/ d"gfkmf cfh{g eO{ s/ gf]S;fgaf6 x"g cfpg] :yug s/ ;DklQnfO{ ;dfof]hg ug{ ;lsg]] s'/fdf Joj:yfkg ljZj:t 5 .

-v_ Gffkmf gf]S;fg lx;fjsf] cl3Nnf] jif{;+u ;DalGwt vr{ lzif{sdf b]vfOPsf] /sdsf] ljj/0f lgDgfg';f/ 5 .

l;=g ljj/0f o; jif{ ut jif{

! cl#Nnf] jif{ clu|d cfos/ ;dfof]hg ul/Psf]

– @$^,$$*

@ o; jif{– x|f; lgltdf kl/jt{gsf] ut cf=j ;Ddsf] ;+lrt gfkmfdf k|efj

– &%&,#!).#$

# o; jif{– cfos/ ;dfof]hg tyf cGo #%%,^!# –

hDdf #%%,^!# !,))#,&%*.#$

-u_ DofbL hLjg / j}b]lzs /f]huf/ DofbL hLjg aLdfsf] cfo Joo lx;fjdf ePsf] d'gfkmf /sdnfO{ ut cf=j= h:t} u/L gfkmf gf]S;fg lx;fjdf ;fl/Psf] 5 . cGo hLjg aLdfx?sf] cfo Joo lx;fjsf] Surplus /sdnfO{ hLjg aLdf sf]ifdf ;fl/Psf] 5 . aLdfÍLo d'Nof+Í0fsf] cfwf/df, hLjg aLdf sf]ifaf6 /sd gfkmf gf]S;fg lx;fjdf ;fl/g] 5 .

-3_ sd{rf/L af]g; Joj:yf :yug s/ cfDbfgL/vr{ eGbf cl3sf] gfkmf df lgodfg';f/ Joj:yf ul/Psf] 5 .-ª_ ljQLo ljj/0fsf] OSo"6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fdf :yug s/ ;DklQnfO{ cGo hu]8fdf b]vfOPsf] 5 .-r_ k|:tfljt af]g; z]o/ o; sDkgLsf] ldlt @)&#–!)–@) df a;]sf] ;+rfns ;ldltsf] !*) cf}F a}7sn] %Ü z]o/ nfef+; (Bonus Share)

tyf ).@^#@Ü gub nfef+; -s/ k|of]hgsf] nflu_ afF8\g k|:tfj ug]{ lg0f{o ul/Psf] 5 .-5_ k|:t't jif{sf] c+s;+u le8fg x'g] u/L ut jif{sf] c+sx? k'gu{7g / k'gj{lu{s/0f ul/Psf] 5 .



8thcg';"rL–#)

k|d'v ;"rsfÍx¿

qm=;

+=ljj/

)f;"r

sfÍ

cf=a

=20

71÷72

2070

÷71

2069

÷70

2068

÷69

2067

÷68

!g]^

jy{

?= 6

42,016

,946

6

25,027

,294

4

60,985

,630

4

20,704

,139

39

4,00

8,13

8 @

z]o/

;+Vo

f;+V

of 5

,000

,000

5

,000

,000

4

,113

,000

3

,600

,000

3

,600

,000

#

k|lt

z]o/

lstf

jL d

"No?=

128

=40

125

=01

112

=08

116

=86

109

=45

$v"b

gfkmf

?= 2

1,94

1,45

8 4

3,79

1,30

2 4

0,28

1,49

1 2

9,39

6,00

1 1

7,11

6,52

5 %

k|lt

z]o/

cfo

(EP

S)?=

4=39

8=76

9=79

8=17

4=75

^k|lt

z]o/

nfe

f+z (

DPS)

?=5=

263Ü

–

–

–

–

&k|lt

z]o/

ahf/ d

"No (

MPP

S)?=

709

750

1

66=0

0 1

44=0

0 1

27=0

0 *

d"No

cfDb

fgL c

g'kft

(PE

Rat

io)

cg'kft

161

=57

85=

63

16=95

1

7=64

2

6=71

(

k|yd

aif{s

f] aLd

fz'Ns

?= 2

47,091

,435

1

95,964

,578

6

9,20

2,19

5 6

8,97

2,44

8 6

1,60

3,12

2 !)

s'n

aLdf

z'Ns

?= 7

25,8

02,535

4

15,050

,310

2

16,515

,231

1

61,927

,151

1

16,8

31,338

!!

v"b

aLdf

z'Ns

÷s'n

aLdf

z'Ns

k|ltz

t85

=84

91=98

9

8=49

9

8=49

9

8=60

!@

v"b

gfkmf÷

s'n

aLdf

z'Ns

k|ltz

t3=02

10=

55

18=60

18=

15

14=

65

!#s'n

aLdf

z'Ns

÷s'n

;DklQ

k|ltz

t 3

7=46

2

9=24

2

2=51

2

1=78

2

0=24

!$

nufg

L / s

hf{a

f^ c

fo÷s

'n nu

fgL /

shf{

k|ltz

t 6

=63

8=9

6 9

=00

10=

08

10=

85

!%s'n

nufg

L / s

hf{÷

hLjg

aLdf

sf]if

k|ltz

t 1

=58

1=78

2=0

7 2

=69

3=8

1 !^

k'gaL

{df s

ldzg

cfo÷

s'n

k'gaL

{dfz'Ns

k|ltz

t 1

0=33

7

=53

5=72

6=9

5 6

=54

!&Jo

j:yf

kg v

r{÷s

'n aL

dfz'Ns

k|ltz

t 2

1=91

2

4 2

2=71

3

3=42

3

6=36

!*

aLdf

cle

stf

{ ;Da

lGw v

r{÷s

'n aL

dfz'Ns

k|ltz

t 1

9=48

1

4=95

1

3=42

1

7=15

2

2=95

!(

aLdf

cle

stf

{ ;+Vo

f;+V

of42

02 3

,179

33

32 2

,730

2

,135

@)

sd{r

f/L ;

+Vof

;+Vof

206

158

12

1 9

7 1

03

@!sfo

f{nos

f] ;+Vo

f;+V

of67

54

36 3

6 3

6 @@

sd{r

f/L v

r{÷J

oj:y

fkg

vr{

k|ltz

t 4

2=57

4

1=22

5

4=03

4

3=50

4

1=87

@#

sd{r

f/L v

r{÷s

d{rf/L ;

+Vof

?=

328

,621

2

56,765

2

19,539

2

42,693

1

72,675

@$

e'Qmfg

L x'g

aFfsL b

fjL /

sd÷

e'Qmfg

L ePs

f] bfjL /

sd

k|ltz

t 1

=83

8=34

30=

41

64=

36

97=85

@%

s'n

sfo

d /x

]sf] a

Ldfn

]vsf] ;

+Vof

;+Vof

df 1

74,190

7

3,82

2 3

9,30

1 3

3,23

8 2

5,92

5 @^

o; j

if{ gj

Ls/)

f ePs

f] aLd

fn]vsf] ;

+Vof÷

ut j

if{ sfo

d /x

]sf] a

Ldfn

]vsf] ;

+Vof

k|ltz

t 5

5=75

5

3=68

4

9=95

3

8=04

6

1=24

@&bfjL k/]s

f] aLd

fn]vs

f] ;+Vo

f÷s'n

sfod

/x]sf] a

Ldfn

]vsf] ;

+Vof

k|ltz

t 0

=28

0=4

4 0

=52

0=27

0=18

@*;f

]Ne]G;

L dflh

{gk|ltz

t 1

=80

3=0

2 1

=94

–

–

@(#f

]lift

af]g;

b/

?= k

|ltxh

f/ ?

=@%

b]lv ?

=%^

?=#$

b]lv ?

=^%

?=31

b]lv ?

=60

–

–

#)cG

tl/d

af]g

; b/

?= k

|ltxh

f/ ?

=@%

b]lv ?

=%^

?=#$

b]lv

?=^%

?=31

b]lv ?

=60

–

–



cg';"rL–#)

k|d'v ;"rsfÍx¿

qm=;

+=ljj/

)f;"r

sfÍ

cf=a

=20

71÷72

2070

÷71

2069

÷70

2068

÷69

2067

÷68

!g]^

jy{

?= 6

42,016

,946

6

25,027

,294

4

60,985

,630

4

20,704

,139

39

4,00

8,13

8 @

z]o/

;+Vo

f;+V

of 5

,000

,000

5

,000

,000

4

,113

,000

3

,600

,000

3

,600

,000

#

k|lt

z]o/

lstf

jL d

"No?=

128

=40

125

=01

112

=08

116

=86

109

=45

$v"b

gfkmf

?= 2

1,94

1,45

8 4

3,79

1,30

2 4

0,28

1,49

1 2

9,39

6,00

1 1

7,11

6,52

5 %

k|lt

z]o/

cfo

(EP

S)?=

4=39

8=76

9=79

8=17

4=75

^k|lt

z]o/

nfe

f+z (

DPS)

?=5=

263Ü

–

–

–

–

&k|lt

z]o/

ahf/ d

"No (

MPP

S)?=

709

750

1

66=0

0 1

44=0

0 1

27=0

0 *

d"No

cfDb

fgL c

g'kft

(PE

Rat

io)

cg'kft

161

=57

85=

63

16=95

1

7=64

2

6=71

(

k|yd

aif{s

f] aLd

fz'Ns

?= 2

47,091

,435

1

95,964

,578

6

9,20

2,19

5 6

8,97

2,44

8 6

1,60

3,12

2 !)

s'n

aLdf

z'Ns

?= 7

25,8

02,535

4

15,050

,310

2

16,515

,231

1

61,927

,151

1

16,8

31,338

!!

v"b

aLdf

z'Ns

÷s'n

aLdf

z'Ns

k|ltz

t85

=84

91=98

9

8=49

9

8=49

9

8=60

!@

v"b

gfkmf÷

s'n

aLdf

z'Ns

k|ltz

t3=02

10=

55

18=60

18=

15

14=

65

!#s'n

aLdf

z'Ns

÷s'n

;DklQ

k|ltz

t 3

7=46

2

9=24

2

2=51

2

1=78

2

0=24

!$

nufg

L / s

hf{a

f^ c

fo÷s

'n nu

fgL /

shf{

k|ltz

t 6

=63

8=9

6 9

=00

10=

08

10=

85

!%s'n

nufg

L / s

hf{÷

hLjg

aLdf

sf]if

k|ltz

t 1

=58

1=78

2=0

7 2

=69

3=8

1 !^

k'gaL

{df s

ldzg

cfo÷

s'n

k'gaL

{dfz'Ns

k|ltz

t 1

0=33

7

=53

5=72

6=9

5 6

=54

!&Jo

j:yf

kg v

r{÷s

'n aL

dfz'Ns

k|ltz

t 2

1=91

2

4 2

2=71

3

3=42

3

6=36

!*

aLdf

cle

stf

{ ;Da

lGw v

r{÷s

'n aL

dfz'Ns

k|ltz

t 1

9=48

1

4=95

1

3=42

1

7=15

2

2=95

!(

aLdf

cle

stf

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f;+V

of42

02 3

,179

33

32 2

,730

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6 3

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sd{r

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1=22

5

4=03

4

3=50

4

1=87

@#

sd{r

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r{÷s

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328

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56,765

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19,539

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8=34

30=

41

64=

36

97=85

@%

s'n

sfo

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Ldfn

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74,190

7

3,82

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9,30

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5,92

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5

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3

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6

1=24

@&bfjL k/]s

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t 0

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0=4

4 0

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0=27

0=18

@*;f

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L dflh

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t 1

=80

3=0

2 1

=94

–

–

@(#f

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b/

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=@%

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=%^

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–

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"rL–#!

aLdfÍsf] ljj/0f

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aLdfs

f] lsl

;d

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50,54

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13,58

6,106

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8th

Joj:yfkg k|ltj]bgkl/lzi6–!

-lgb]{zg % ;+u ;DalGwt_-s_ sDkgL ;DaGwL ;fdfGo hfgsf/L M

! ;+:yfkgf ldlt M o; sDkgL g]kfn ;/sf/, sDkgL /lhi6|\f/sf] sfof{nodf ldlt @)^$÷)#÷!*÷@ df ljlwjt btf{ ePsf] 5 .@ sDkgL btf{sf] k|df0fkq kfPsf] ldlt M sDkgLn] aLdf ;ldltaf6 @)^$÷!@÷)^ df g]kfn leq hLjg aLdf sf/f]jf/ ug{ Ohfht k|fKt

u/]sf] 5 .# sDkgLn] cg'dlt kfPsf] aLdf Joj;fosf] lsl;d / k|sf/ M hLjg aLdf$ sDkgLn] ldlt @)^%÷)!÷!! b]lv Joj;fo k|f/De u/]sf] xf] . % cGo cfjZos ljj/0f g/x]sf] .

-v_ sDkgLsf]] ;+rfns ;ldltn] k|dfl0ft u/]sf a'Fbfx?M ! aLdf Joj;fo ug{ aLdf ;ldltaf6 hf/L ePsf] k|df0f kqsf] j}Btf sfod /x]sf] 5 . aLdf P]g tyf lgodfjnL cg';f/ k|df0f kq gljs/0f eO;s]sf] / aLdf P]g @)$( sf] bkmf !! -s_ jdf]lhdsf] cj:yf g/x]sf]n] k|df0f

kqsf] a}wtf sfod /x]sf] . @ sfg"g adf]lhd sDkgLn] ltg'{, a'emfpg' kg]{ s/, b08 hl/jfgf ;DalGwt lgsfodf a'emfpg afFsL /x]sf] 5}g . cf=j=@)&!.&@ sf] aLdf

;ldltnfO{ a'emfpg' kg]{ ;]jf z'Ns aLdf lgodfjlndf Joj:yf eP cg';f/ Dofb leq} e'QmfgL ul/Psf]] 5 . # sDkgLsf] z]o/ :jfldTjsf] ;+/rgf, To;df ePsf] x]/k]m/sf] ljj/0f tyf sfod /x]sf] ;+/rgf k|rlnt sfg"gL Joj:yf cg'?k /x]sf] 5 .$ aLdfÍLo d"NofÍg eO ;s]sf] / ;f]Ne]G;L dflh{g jfkt kof{Kt /sd ePsf]n,] ;f]Ne]G;L dflh{g jfkt s'g} /sdsf] Joj:yf ul/Psf] 5}g .

aLdfÍLo d"NofÍg kZrft ;ldltn] tf]lslbP adf]lhdsf] ;f]Ne]G;L dflh{g (Solvency Margin) sfod ul/Psf] 5 . % -s_ ;Dk"0f{ ;DklQx?sf] jf;nftsf] ldltsf] d"No jf:tljs ?kdf k|fKt x'g ;Sg] d"No÷ahf/ d"No eGbf a9L g/x]sf] . -v_ a'Fbf -s_ adf]lhdsf] ;DklQsf] d"No t'ngf Historical Cost af6 x|f; s§L (WDV Method) 36fO{ ul/Psf] 5 .^ sDkgLn] a}s tyf ljQLo sDkgLx?sf] d'2tL vftf, z]o/ nufgL tyf cGo Jofh k|fKt x'g] vftfx?df u/]sf] nufgLx? k|rlnt aLdf P]g

lgodfjnL tyf aLdf ;ldltn] tf]lsP adf]lhd ul/Psf] 5 . & sDkgLnfO{ cfO{ kg{ ;Sg] ;Dk"0f{ hf]lvdx? lg/fs/0fsf nflu c08//fOl6ª gLlt, k'gjL{df gLlt, nufgL gLlt, sd{rf/Lx?sf] b'3{6gf aLdf,

l:y/ ;DklQx?sf] aLdf ug]{ gLltx? cjnDag ul/Psf 5g . * sDkgLsf] g]kfn aflx/ sfof{nox? g/x]sf] . ( o; cf=j=df s'n $(! j6f bfjL km5\of}{6 ePsf] / & j6f bfjL km5\of}{6 ug{ af+sL /x]sf] 5 . h; dWo] @ j6f ^&÷^*, # j6f ^*÷^(, !

j6f ^(÷&) / ! j6f &)÷&! sf] /x]sf]5 .!) l:y/ ;DklQsf] x|f; s§L cfos/ P]g @)%* 4f/f lgb]{lzt b/ cGtu{t 36\bf] df}Hbft (Diminishing Balance) k4tL cg';f/ l:y/ ;DklQsf]

pkof]u u/]sf] cjlwsf] cfwf/df x|f; s§L ug]{ gLlt cjnDag u/]sf]]] / aLdf ;ldltsf] ljQLo ljj/0f ;DaGwL lgb]{zg @)^% -t]>f] kl/dfh{g_ sf] !(=! v sf] :kli6s/0f cg';f/ a}b]lzs /f]huf/ DofbL hLjg aLdf Joj;fosf] ;dfg'kflts c;dfKt hf]lvdsf] Joj:yf ubf{ dlxgfsf] lx;fjn] ul/Psf] 5 . ljQLo ljj/0f tof/ ubf{ k|rlnt aLdf P]g, @)$( aLdf lgodfjnL, @)$( / ;f] cGtu{t hf/L ul/Psf aLdf ;ldltsf] cfb]z jf lgb]{zg, sDkgL P]g @)^# tyf cGo sfg"gx? tyf n]vfdfg, n]vfsf] l;4fGt / gLltx? kfngf ul/Psf] pb\3f]if0f ub{5f} .

!! -s_ sDkgLn] pko'Qm n]vf gLlt cjnDag u/]sf], ;f]sf] k|of]udf Ps?ktf sfod u/]sf] / To:tf] gLltsf] k/LIf0f u/L pko'Qmtf Plsg u/]sf] 5 .

-v_ sDkgLsf] ljQLo ljj/0fn] jf;nftsf] ldltdf sDkgLsf] gfkmf gf]S;fg nufotsf ljQLo cj:yfsf] oyfy{ tyf jf:tljs lrq0f ub{5 .!@ sDkgLsf] ;+rfns ;ldltn] sDkgLsf] ;DklQsf] ;'/Iffsf] nflu tyf hfn;fhL jf cGo clgoldttf kQf nufpg / /f]Sgsf nflu pko'Qm

/ kof{Kt Joj:yf u/]sf] 5 .!# sDkgLn] Going Concern Basis df cfˆgf] ljQLo ljj/0f tof/ u/LPsf] 5.!$ Joj;fosf] k|s[lt cg'?ksf] cfGtl/s n]vf k/LIf0f afXo n]vf k/LIfsaf6 cf=j= @)^%.^^ b]lv ;'? ul/Psf] / ;f] k|efjsf/L /x]sf] 5 . !% k|rlnt aLdf P]g, @)$( tyf sDkgL P]g @)^# / ;f] cGtu{tsf lgodfjnL, cfb]z jf lgb]{zgsf] k|lts"n x'g] u/L s'g} JolQm, kmd{, sDkgL

tyf sDkgLsf] ;+rfns jf ;+rfnssf] :jfy{ /x]sf] ;+:yf;+u sf/f]af/ ul/Psf] 5}g .!^ cf=j= @)&!÷&@ df aLdf ;ldltn] sDkgLnfO{ s'g} b08 hl/jfgf tf]s]sf] 5}g .!& Joj:yfkgn] cfjZos 7fg]sf cGo s'/fx? g/x]sf] .





8th

!_ aLdsn] clestf{x?nfO{ k|bfg u/]sf] C0fdWo] cNn]Vo ?kdf c;'n x'g] g;s]sf] /sdnfO{ ljif]z kxn u/L c;'n ug{' x'g . clestfx?nfO{ k|bfg u/]sf] C0f c;'n e}/x]sf] / tf]lsPsf] ;dodf c;'n x'g g;s]sf] C0f /sd c;'n ug{ ;DalGwt

clestf{nfO{ kqfrf/ ul/Psf] / zfvf sfof{nonfO{ clestf{x? ;Fu ;Dk{s u/L C0f c;'nL ug{ s8f lgb]{zg lbO{Psf] Joxf]/f hfgsf/L u/fpmb5f} .

@= ;ldltn] tf]s]sf]l;df eGbf a9L @,*(,%$,#!!÷– Joj:yfkg vr{ u/]sf]n] ca cfOGbf To:tf] vr{ gug]{ tkm{ ;r]t /xg' kg]{ .

;ldltn] tf]s]sf] l;df eGbf a9L Joj:yfkg vr{ ePsf] tkm{ sDkgL ljif]z;r]t /x]sf] / Joj:yfkg vr{ qmdz Go'g x'b} uPsf], cfudL aif{x?df, vr{ k|0ffnL df ldt Jolotf / cfDbfgLdf a9f]Q/L dfkm{t Joj:yfkg vr{ tf]lsPsf] l;df leq sfod /fVg] Joxf]/f hfgsf/L u/fpmb5f} .

#= k"0f{ ljj/0f gv'n]sf] aLdf z'Ns !(,$@,#!&÷– Go"lgs/0f u/L a}+s lx;fj pk/ kof{Kt lgoGq0f sfod ug'{ x'g . ljldt n] ltg'{kg]{ ljdf lk|ldod /sd ef}r/ dfkm{t a}sdf bflvnf ug]{ qmddf, hfgsf/Lsf] cefjdf ef}r/ ebf{ el/g'kg]{ ljj/0f

ge/L /sd hDdf u/]sf] sf/0f JolQm klxrfg ug{ g;lsPsf] xf] . o; k|sf/sf] ;d:onfO{ ;dodf g} lg/fs/0f ug{ cfjZos sbd rfln ;lsPsf] Joxf]/f hfgsf/L u/fpmb5f} .

$= aLdsn] sd{rf/Lx?sf] pkbfg tyf labf jfktsf] Joj:yf jfkt ?=!,#&,!%,^*(÷– cljnDj :jLs[t cjsfz sf]ifdf bflvnf ug'{ x'g .

sDkgLsf sd{rf/Lx?sf] pkbfg tyf ljbf jfktsf] /sdnfO{ gful/s nufgL sf]ifsf] 5'6} vftfdf claNfDa hDdf u/L txfFnfO{ hfgsf/L u/fpmg] 5f} .

%= aLdsn] aLdf z'Ns jfktsf] gub tyf r]s /sd ;ldltsf] tf]s]sf] ;do l;dfleq a}+s bflvnf ug'{ x'g . aLdf z'Ns jfktsf] gub tyf r]s /sd ;ldltn] tf]s]sf] ;do l;dfleq a}+sdf bflvnf ub} cfO{/x]sf] / ljif]z sf/0fjz l9nf

x'g uPsf] eP cfufdL lbgx?df ;ldltn] tf]s]sf] ;dofjwL leq} bflvnf ug]{ k|lt sDkgL ;+j]]bgl;n /x]sf] Joxf]/f hfgsf/L u/fpmb5f} .

^= aLdsn] aLldtnfO{ lbOg] af]g; b/ / ;f]Ne]G;L dflh{g j[l4sf] nflu cfjZos kxn ug'{ x'g . sDkgLsf] nufgLsf] k|ltkmn b/ j[l4 x'b} uPsf], kF'lhut vr{, ;fdfGo cfout vr{df ldTfAolotfsf] gLlt cjnDag u/]sf] /

xsk|b z]o/ hfF/L u/]sf] sf/0f r'Qmf k"FhLdf x'g] j[l¢af6 cfufdL jif{ af]g; b/ / ;f]Ne]G;L dflh{g j[l¢x'g] hfgsf/L u/fpb5f} .

&= aLdsn] l:y/ ;DklQsf] ef}lts k/LIf0f u/L vftf cBflws ug'{ x'g . aLdssf] :yL/ ;DkQLsf] ef}lts kl/If0f, sf]8 /fVg], :yL/ ;DkQL vftf cBfjlws ug]{ sfo{ hf/L /x]sf] / ef}lts kl/If0f ug]{

sfo{ ;DkGg x'g ;fy txFfsf] hfgsf/L sf] nflu k|]lift ul/g] Joxf]/fcg'/f]w 5 .

*= aLdssf] c08//fOl6Ë tyf bfjL e'QmfgLdf b]lvPsf] ljljw s}lkmotx? ;'wf/ ug'{ x'g . sDkgLsf] c08//fOl6Ë tyf bfjL e'QmfgLdf b]lvPsf ljljw s}lkmotx?nfO{ of]hgfa4 ?kdf ;'wf/ ug{ sfo{ k|f/De ul/Psf] /

cufdL lbgdf To:tf s}lkmotx? k|lt ;+:yf ;+j]bglznsf ;fy} ;r]t /x]sf] Joxf]/f hfgsf/L u/fpmb5f} .

(= aLdsn] ;+:yfut ;'zf;gnfO{ k"0f{ ?kdfkfng u/L n]vfk/LIfsn] cf}NofPsf s}lkmotx? ;'wf/ ug'{ x'g . aLdf ;ldltjf6 hf/L ;+:yfut ;'zf;gnfO{ k"0f{ ?kdf kl/kfng ul//x]sf] / cfufdL lbgx?df ;d]t kl/kfng ug'{kg]{ sfg'gL

bfloTj g} x'g] k"0f{ af]Wf /x]sf] / cfGt/Ls tyf afXo n]vfk/LIfåf/f cf}NofPsf s}lkmotx?nfO{ k'Mg gbf]xf]l/g] u/L cfjZos sbdx? rflnPsf] / n]vfkl/Ifsaf6 cf}NofPsf s}lkmotx?nfO{ ;'wf/ ub} hfg] k|ltj4tf JoQm ug{ rfxfG5f} .

aLdf ;ldltsf] ldlt @)&#.!!.@$ ut]sf] kqaf6 sDkgLsf] cf=j= @)&!.&@ sf] ljlQo ljj/0f l:js[t ubf{sf zt{x? pk/ sDkgLsf] hjfkm



sDkgLsf aLdf of]hgfx?;"of{ ;+/lIft -;fjlws_ hLjg aLdf of]hgf (Endowment Plan )

o; of]hgf cGtu{t aLdf ubf{ clgjfo{ art / cfˆgf] kl/jf/sf] ;'vb eljiodf cfly{s 6]jf k|fKt x'G5 . of] hLjg aLdf of]hgfn] aLldt lhljt /x]sf] jf g/x]sf] b'j} cj:yfdf cfly{s 6]jf k|fKt x'G5 . of] of]hgf b'3{6gf nfe tyf c+ue+u la?4sf] nfe ;d]tsf] aLdf lglZrt zt{x?sf] clwgdf /x]/ ug{ ;lsG5 .

;"of{ cfzfwg -clu|d e'QmfgL_ hLjg aLdf of]hgf (Money Back Plan)

o; aLdf of]hgfdf aLldtx?sf] cfjZoQmf kl/k"lt{sf] nflu aLdfsf] rfn' cjwL leq} 3f]if0ff ul/Psf] aLdfÍ tf]lsPsf] ;do cGt/df e'QmfgL lbg] egL ul/Psf]

s/f/ /sdsf] lglZrt k|ltzt /sd aLldtnfO{ lkmtf{ x'G5 . of] of]hgf !% / @) aif]{ cjlwdf nfu" x'G5 .

aLdf nfe tflnsf

aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf% aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @)Ü!) aif{ kl5 aLdfÍsf] @)Ü aLdfÍsf] @)Ü!% aif{ kl5 aLdfÍsf] %)Ü ± cflh{t af]g; aLdfÍsf] @)Ü @) aif{ kl5 – aLdfÍsf] $)Ü± cflh{t af]g;

o; aLdfn]vdf aLdf cjwL leq olb s'g} klg sf/0faf6 aLldtsf] d[To' ePdf d[To' eGbf cuf8L ls:tfaGbLdf e'QmfgL ul/;ls]sf] aLdfÍnfO{ u0fgf gu/L ztk|ltzt aLdfÍ / ;dfg'kflts cfh{g u/]sf] af]g; aLdfn]vdf O{R5fPsf] JolQmnfO{ e'QmfgL ul/G5 .

;"of{ ;+/lIft -;fjlws_ hLjg aLdf of]hgf / ;"of{ cfzfwg -clu|d e'QmfgL_ hLjg aLdf of]hgfx?df pknAw b'3{6gf nfex?M

-s_ bf]xf]/f] b'3{6gf nfe (ADB) -v_ :yfoL ?kdf c+ue+u (PTD) -u_ aLdf z'Ns e'QmfgL ldGxf (PWB)

afnaflnsf aLdf of]hgfx? (Child plan )

cfhsf afnaflnsfx? Eff]nLsf s0f{wf/ x'g\ . logLx?sf] kfng kf]if0f tyf lzIff, lbIff / eljio k|lt ;hu /xL ;"of{ nfOkm OG:of]/]G;n] afnaflnsf aLdf of]hgf k|:t't u/]sf] 5 . hxfF tkfO{sf gfgLx?n] cfˆgf] eljio ;'gf}nf] cIf/ sf]l/Psf] / pHofnf] eljio ePsf] kfpg] 5g\ . ef]lnsf lbgdf ;GttLx?sf] pRr lzIff cWoog ug{ plgx?n] rfx]sf] OlGhlgol/Ë, 8fS6/, rf6{8 PsfpG6]06, gl;{Ë, tyf cGo laifox? k9\g rflxg] /sdsf] ;'lglZrttf ug{ cfh} b]lv afn aLdf u/L ;Gtfgsf] ;'gf}nf] eljio ;'lglZrt ug{ ;Sg' x'g]5 . ;fy} laxfjf/L nflu o; aLdf of]hgfn] e/k'/ 6]jf k|bfg ug]{5 .

afn aLdf of]hgfx?M

!= ;"of{ ;+/lIft afn -;fjlws_ hLjg aLdf of]hgf -)–!% aif{ ;Ddsf afnaflnsfsf lgldQ_

@= ;"of{ afnwg -clu|d e'QmfgL_ hLjg aLdf of]hgf -)–!% aif{ ;Ddsf afnaflnsfsf lgldQ_

cltl/Qm ;'ljwf M

-s_ aLdfz'Ns ldGxf nfe (PWB) -v_ dfl;s cfDbfgL ;'ljwf (MIB)

Pp6} aLdfn]vaf6 afnaflnsf tyf cleefjssf] aLdf ul/ hf]lvd sd ug{ ;3fp k'¥ofpFb5 .

;"of{ ;'bz{g ;fjlws Pj+ cflhjg aLdf of]hgf (Endowment Cum Wholelife)

hLjgsf x/]s kn kl/jf/ ;u} afF8\g] ul/G5, kfl/jfl/s ;xof]un] g} dflg;n] cfˆgf] nIo tyf pknAwL k|fKt ub{5 . ;fy} kfl/jfl/s v';L cfˆgf] v';L x'g cfpF5 . To;}n] æhLjg /xFbf klg / hLjg kZrft klgÆ kfl/jfl/s ;'/Iff / ;'lglZrttfsf nflu ;"of{ nfOkmn] ætkfO{ kl/jf/sf] ;fy, ;"of{ nfOkm tkfO{sf] ;fyÆ eGb} ;"of{ ;'bz{g ;fjlws Pj+ cflhjg aLdf of]hgf k|:t't u/]sf] 5 .

aLdf cjlw;Dd aLldt lhljt /x]df aLdfË /sd / lgodfg';f/sf] af]g; aLldt cfkm}n] k|fKt ug{ ;Sg]5 eg] aLdf ;dofjlw kZrft yk s'g} z'Ns glt/Lsg d[To' gx'Gh]n ;Dd aLdfn]v rfn' /lx/xg]5 . aLldtsf] d[To' ePdf d[To' kZrft km]/L aLdfË a/fa/sf] /sd aLldtsf] kl/jf/n] jf O{R5fPsf] JolQmn] k|fKt ug]{5 .



8th

cltl/Qm yk ;'ljwf

o;df ? #) nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe k|fKt x'g]5 .

;"of{ ;fd"lxs Ps alif{o DofbL hLjg aLdf of]hgf (Endowment Cum Wholelife)

of] of]hgf s'g} klg ;+ul7t ;+:yf, sDkgL, k|lti7fg jf ;+:yfut O{sfO{df nfu" x'g]5 .

of] of]hgfsf nfluM

s_ sDtLdf @% hgfsf] ;d"x x'g' kg]{5 . v_ k|To]s aif{ gljs/0f ug'{ kg]{5 . u_ !^ aif{ b]lv ̂ $ aif{ pd]/ ;d"xsf] JolQm x'g' kg]{5 .

o; of]hgfdf bf]xf]/f] b'3{6gf nfe cGtu{t ?= % nfv;Ddsf] ;'ljwf k|fKt x'g]5 .

;"of{ ;fd"lxs ;fjlws aLdf of]hgf (Surya Group Endowment Policy with Profit)

;x'lnot aLdfz'Ns b/df tof/ kfl/Psf] nfe ;lxtsf] of] ;fd"lxs aLdf of]hgf s'g} klg ;+ul7t ;+:yf, sDkgL, k|lti7fgsf sd{rf/Lx? jf ;b:ox?sf] hLjg aLdfsf] nflu pknAw x'g]5 .

s_ Go"gtd ;b:o ;+VofM !) hgf v_ k|j]z pd]/M !^ aif{ b]lv %% aif{ ;Dd

u_ aLdf cjlw M % aif{ b]lv $$ aif{ ;Dd 3_ Go"gtd aLdfÍM ? !),))).–

ª_ k'/f ! aif{sf] aLdfz'Ns e'QmfgL kZrft r'Qmfd'No, ;dk{0f d'No, C0f ;'ljwf k|fKt x'g] Pj+ JolQmut hLjg aLdfdf ;d]t kl/jt{g ug{ ;lsg] .

r_ ?= % nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe k|fKt ug{ ;lsg] .

;"of{ ;'/lIft -l;ldt e'QmfgL ;fjlws_ hLjg aLdf of]hgf (Surya Limited Payment Endowment Plan)

o; of]hgf cGtu{t Ps} k6s jf l;ldt cjwL ;Dd dfq aLdfz'Ns e'QmfgL u/L lgwf{l/t ul/Psf] aLdf cjwL ;Ddsf] aLdf /Iffj/0f nfe tyf af]g; k|fKt ug{ ;lsG5 . of] of]hgfdf ?= #) nfv ;Ddsf] bf]xf]/f] b'3{6gf nfe tyf c+ue+u lj?4sf] nfe k|bfg ul/Psf] 5 .

a}b]lzs /f]huf/ DofbL hLjg aLdf (Foreign Employement Term Life Insurance Policy)

lab]zdf /f]huf/Lsf nflu hfg] sd{7 g]kfnLx?sf] hf]lvd /Iffa/0ffy{ clwstd\ ?= * nfv;Ddsf] bfjL Joj:yf ul/Psf] of] hLjg aLdf ;+rfngdf 5 .

;"of{ wga[l4 -clu|d e'QmfgL ;fjlws_ hLjg aLdf of]hgf (Surya Limited Payment Money Back Plan)

• aLdfsf] cjlw ;dfKtL cufj} ;Dk"0f{ aLdfÍ /sd e'QmfgL x'g] .

• Psn jf l;ldt cjlwdf aLdfz'Ns e'QmfgL ug{ ;lsg] .

• aLldtsf] d[To' ePsf] cj:yfdf Psn aLdfz'Ns e'QmfgLsf] xsdf aLdfÍsf] @=% -c9fO{_ u'0ff tyf cGo aLdfz'Ns e'QmfgL tl/sfdf zt\k|ltzt aLdfÍ / lgodfg';f/ af]g; e'QmfgL x'g] .

• aLdf of]hgf !%, @) / @% aif{sf] x'g] .

• aLdfÍ lkmtf{ ul/g] tl/sfM

aLdf k|f/De ePsf] ldltn] !% aif]{ of]hgf @) aif]{ of]hgf @% aif]{ of]hgf $ aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü * aif{ kl5 aLdfÍsf] #)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü !@ aif{ kl5 aLdfÍsf] $)Ü aLdfÍsf] @%Ü aLdfÍsf] @)Ü !% aif{ kl5 cflh{t af]g; aLdfÍsf] @%Ü aLdfÍsf] @)Ü !* aif{ kl5 – – aLdfÍsf] @)Ü @) aif{ kl5 – cflh{t af]g; – @% aif{ kl5 – – cflh{t af]g; • ?= #) nfv ;Ddsf] b'3{6gf nfe tyf c+ue+u la?4sf] nfe k|fKt ug{ ;lsg] .




skf{]/]6 sfof{noM rf6{8{ 6fj/, rf}yf] tNnf, ;fgf] uf}r/0f, 1fg]Zj/, sf7df8f}+

tLg dxn] ljj0fldlt @)&$÷)!÷!$ ut] x'g] ;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8sf] cf7f}+ aflif{s ;fwf/0f ;efdf k]z x'g] k|aGwkqsf]

bkmf ^-v_, ^-u_ tyf lgodfjnLsf] lgod @( -!_, @(-@_ / @(-#_ ;+u ;DalGwt ;+;f]wg Pj+ vf/]h x'g] k|:tfj

k|aGwkq tkm{sf]

bkmf xfnsf] Joj:yf ;+zf]wg x'g] k|:tfj ;+zf]wgsf] cf}lrTotf^-v_ sDkgLn] tTsfn hf/L ug]{ z]o/ k'+hL

?= ^@,%),)),))).–-a};¶L s/f]8 krf; nfv_ x'g]5 . ;f] r'Qmf k'+hLnfO{ k|ltz]o/ ?= !)).– sf b/sf ^@,%),))).– -a};¶L nfv krf; xhf/_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

sDkgLn] tTsfn hf/L ug]{ z]o/ k'+hL ?= ^%,^@,%),))).–-k}+;¶L s/f]8 a};¶L nfv krf; xhf/ _ x'g]5 . ;f] r'Qmf k'+hLnfO{ k|ltz]o/ ?= !)).– sf b/sf ^%,^@,%)).– - k}+;¶L nfv a};¶L xhf/ kfFr ;o_ yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

cf7f}+}+ aflif{s ;fwf/0f ;efaf6 % k|ltzt af]g; z]o/ k|bfg ug]{ eP adf]lhd sDkgLsf] hf/L k'+hL a[l4 ug{ cfjZos ePsfn] .

^-u_ sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ sjf]n u/]sf] k"+hL ?= $#,&%,)),))).– -lqrfln; s/f]8 krxQ/ nfv_ tyf ;j{;fwf/0faf6 ?= !*,&%,)),))).– -c7f/ s/f]8 krxQ/ nfv_ ul/ hDdf ?= ^@,%),)),))).–-a};¶L s/f]8 krf; nfv _ x'g]5 .

sDkgLsf ;+:yfksx?n] tTsfn r'Qmf ug{ sjf]n u/]sf] k"+hL ?= $%,(#,&%,))).– -k}tfln; s/f]8 lqofgAa] nfv krxQ/ xhf/_ tyf ;j{;fwf/0faf6 ?= !(,^*,&%,))).– -pGgfO; s/f]8 c7\;¶L nfv krxQ/ xhf/_ ul/ hDdf ?= ^%,^@,%),))).–-k}+;¶L s/f]8 a};¶L nfv krf; xhf/ _ x'g]5 .

cf7f}+}+ aflif{s ;fwf/0f ;efaf6 % k|ltzt af]g; z]o/ k|bfg ug]{ eP adf]lhd sDkgLsf] r'Qmf k'+hL a[l4 x'g] ePsfn] .

lgodfjnL tk{msf]lgod, pklgod

xfnsf] Joj:yf ;+zf]wg÷vf/]h x'g] k|:tfj ;+;f]wgsf] cf}lrTotf

@( -!_ sDkgL P]g, aLdf P]g, aLdf lgodfjnL adf]lhd ;+rfns x'g of]Uo ePsf] Aoj;flos JolQmx? dWo]af6 .

sDkgL P]g, aLdf P]g, aLdf lgodfjnL aLdssf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf adf]lhd ;+rfns x'g of]Uo AolQm dWo]af6 ;+rfns ;ldltn] Ps hgf :jtGq la1 ;+rfns lgo'Qm ug]{5 .

:jtGq la1 ;+rfnssf] lgo'lQm ;+rfns ;ldltn] ug]{ Aoj:yf ug{ cfjZos ePsfn] .

@(-@_ :jtGq / Joj;flos ;+rfnsx?sf] lgo'lQmsf] nfuL ;+rfns ;ldltn] of]Uo AolQmx?sf] gfd rog u/L lgo'lQMsf] nfuL ;fwf/0f;efdf k]z ug'{ kg]{5 . o;/L gfd tof/ ubf{ hlt hgf :jtGq ;+rfns lgo'lQm x'g] xf] ;f] ;+Vofsf] slDtdf tLg u'0ff al9 of]Uo JolQmx?sf] gfd :jtGq ;+rfnssf] lgo'lQmsf] nfuL ;fwf/0f;efdf k|:t't ug'{ kg]{5 .

vf/]h pko'Qm gePsfn] .

@(-#_ :jtGq / Joj;flos ;+rfnssf] lgo'lQm pklgod -@_ adf]lhd ;fwf/0f;efdf k|:t't k|:tfjdf pNn]v ul/Psf AolQmx? dWo]af6 ul/g]5 .

Vff/]h pko'Qm gePsfn] .



8th

gf]6M


Annual Report 2014/2015jflif{s k|ltj]bg @)&!÷@)&@8thComparative Growth Trend of Turnover & Investment

Premium Income for the FY 2071-72

1,400.001,600.00 1,800.00

-200.00 400.00 600.00 800.00

1,000.00 1,200.00 1,400.00

Investment

Turnover

Millio

ns

Endowment Life Policy

Money Back Life Policy

Endowment & Whole Life Policy

Foreign Employement Term Life Policy

Group Term Life Policy

0.03%

28.25%

8.81%

11.39%

51.52%



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;"of{ nfOkm OG:of]/]G; sDkgL lnld6]8Surya Life Insurance Company Limited

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kmf]g g+= )!—$$@#&$#, km\ofS; g+= )!—$$!(%^%, 6f]n lk|m g+= !^^)—)!—^))))Od]n M [email protected], j]e ;fO6 M www.suryalife.com

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