:6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf]tL;f}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

ldlt * d+l;/ @)&# -@# gf]e]Dj/ @)!^_ ut] a;]sf] ;+rfns ;ldltsf] #$*cf}F a}7sn] lg0f{o u/] cg';f/ o; a}+ssf] #)cf}F jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, ;do / :yfgdf lgDg ljifo pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf z]o/wgL dxfg'efjx?sf] hfgsf/Lsf nflu of] ;"rgf k|sflzt ul/Psf] 5 .

;ef x'g] ldlt, ;do / :yfgM

;ef x'g] ldlt M @)&# ;fn d+l;/ #) ut] -!% l8;]Dj/ @)!^_, laxLaf/ .;ef ;'? x'g] ;do M lbpF;f] !M#) ah] . :yfg M cfdL{ clkm;;{ Sna, eb|sfnL, sf7df08f} .

;ef 7Ls ;dodf ;'rf? ?kn] ;+rfng ug{sf] nflu pkl:ylt k'l:tsf laxfg !!=$% ah]b]lv v'nf /flvg] 5 .

5nkmnsf ljifo ;"rLM

s_ ;fdfGo k|:tfj!= #)cf}+ jflif{s ;fwf/0f ;efsf nflu ;+rfns ;ldltsf] tkm{af6 cWoIfsf] k|ltj]bg / k|d'v sfo{sf/L clws[t P+j

;+rfnssf] k|ltj]bg dfly 5nkmn / kf/Lt ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxt @)&# cfiff9 d;fGtsf] jf;nft / ldlt @)&@÷)$÷)! b]lv @)&#÷)#÷#! ;Ddsf] gfkmf gf]S;fg lx;fa tyf ;f]xL cjlwsf] gub k|jfx ljj/0f dfly 5nkmn / kfl/t ug]{ .

#= ;~rfns ;ldltn] k|:tfj u/] adf]lhd k|lt z]o/ ?= !=&% sf b/n] gub nfef+z -s/ k|of]hgsf] nflu_ :jLs[t ug]{ .

$= n]vfk/LIf0f ;ldltsf] l;kmfl/; adf]lhd cfly{s jif{ @)&#÷&$ sf nflu a}+ssf] n]vfk/LIfssf] lgo'lQm tyf lghsf] kfl/>lds cg'df]bg ug]{ .

v_ ljz]if k|:tfj%= a}+ssf] clws[t k"FhL j[l¢ u/L ¿= *,)),)),)),)))÷– -cIf]?kL cf7 ca{ ?k}ofFF_ k'¥ofpg :jLs[t ug]{ .

^= a}+ssf] hf/L tyf r'Qmf k"FhL a[l4 u/L ¿= #,&$,((,)!,### -cI]f?kL tLg ca{ rf}xQ/ s/f]8 pgfG;o nfv Ps xhf/ ltg ;o t]QL; ?k}ofF_ k'¥ofpg ##=## k|ltzt -cyf{t k|To]s # z]o/ a/fa/ ! z]o/_ sf] cg'kftdf af]gz z]o/ hf/L ug{ :jLs[t ug]{ .

&= g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ cf= j= @)&#÷)&$ ;Dd a}+sn] r'Qmf k"FhL j[l4 u/L ?= * ca{ k'¥ofpg' kg]{ k|fjwfg jdf]lhd ?= #,#),)),)),))) -cIf]?kL ltg ca{ lt; s/f]8 ?k}ofFF_ -lk|ldodaf6 k|fKt x'g] /sd ;d]t_ a/fa/sf] /sd ;+sng ug]{ u/L lk|ldod d"Nodf hf/L ug'{kg]{ yk z]o/sf] lx;fa ug]{, ;f] sf] nflu ckgfpg' kg]{ ljlw, k|s[of, d"No ;d]t lgwf{/0f ug]{ nufot lwtf]kq Joj;foLsf] lgo'lQm, ljj/0fkq k|sflzt ug]{ / clwsf/k|fKt lgsfox? ;dIf lgj]bg lbg], :jLs[lt lng] ;d]tsf ;f] ;‘u ;DalGwt cfjZos ;Dk"0f{ sfd–sf/jfxL ug{ ;~rfns ;ldltnfO{ k"0f{ clVtof/L lbg] .

*= k|:tfj u/LP adf]lhd a}+ssf] k|aGwkq tyf lgodfjnLsf] ;+zf]wg :jLs[t ug]{ . tyf k|:tfljt ;+zf]wgdf lgodgsf/L lgsfo-x?_ af6 s'g} ;dfGo km]/abn ;'emfj ePdf ;f] ;'emfj cg';f/ cfjZos km]/abn ug{ a}+ssf] ;~rfns ;ldlt jf ;~rfns ;ldltn] tf]s]sf] s'g} JolQmnfO{ clVtof/L lbg] .

u_ ljljw .

;+rfns ;ldltsf] cf1fn],sDkgL ;lrj

!= ;efdf pkl:yt x'g] z]o/wgLx?n] o; ;"rgf ;fy} k|]lift k|j]z–kq jf cfˆgf] s'g} Ps ;Ssn z]o/ k|df0f–kq jf lxtu|fxL vftf gDa/ ;+nUg ePsf] :6]6d]G6 -z]o/ l8Dof6 u/]sf] ePdf_ ;fydf lnO{

;efdf efu lng cfpg' x'g cg'/f]w ub{5f}+ . a}+ssf] jflif{s k|ltj]bg z]o/wgL dxfg'efjx?n] a}+sdf

cfO{ lg/LIf0f ug{ / k|fKt ug{ ;Sg' x'g]5 .

@= dfyL a'bfF g+= ! df pNn]lvt ;Dk'0f{ ljj/0fx? o; a}+ssf] j]]a;fO{6

https://www.sc.com/np/investor-relations/en/index.html df z]o/wgL dxfg'efjx?sf]

hfgsf/Lsf nfuL /flvPsf] xF'bf pQm ljj/0fx? gkfpg] z]o/wgLx?n] dfyL pNn]lvt a}+ssf]

j]a;fO{6df x]g'{ x'g cg'/f]w ub{5f+} .

#= ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] k|ltlglw–kq -k|f]S;L

kmf/d_ e/L a}+ssf] z]o/ zfvf, gofF afg]Zj/, sf7df8f}+df ;ef z'? x'g'eGbf slDtdf &@ 306f cufl8

cyf{t\ @)&#÷)*÷@& ut] lbp;f] !=#) ah] leq btf{ u/L ;Sg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm

ul/Psf] JolQm ;d]t a}+ssf] z]o/wgL x'g' cfjZos 5 .

$= k|ltlglw lgo'Qm u/L ;Sg'ePsf z]o/wgL cfkm} ;efdf pkl:yt eO{ xflh/ k'l:tsfdf b:tvt

ug'{ePdf k|f]S;L lbO;s]sf] eP tfklg To:tf] k|f]S;L :jtM ab/ x'g]5 .

%= PseGbf a9L JolQmx?sf] ;+o'Qm gfddf z]o/ btf{ /x]sf] cj:yfdf z]o/wgL btf{ lstfadf klxnf]

gfd pNn]v ePsf] JolQm jf ;j{;Ddtaf6 k|ltlglw rog ul/Psf] Ps hgfn] dfq ;efdf efu lng

;Sg'x'g]5 .

^= Ps} z]o/wgLn] PseGbf a9L k|ltlglw -k|f]S;L_ lgo'Qm ug'{ePsf] cj:yfdf æd}n] o; cl3 lbPsf] ;a}

k|ltlglw–kq -k|f]S;L_ ab/ u/L of] k|ltlglw–kq -k|f]S;L_ nfO{ dfGotf lbOof];\Æ egL 5'6\6} kq n]vL ;ef

;'? x'g' eGbf @$ 306f cufj} cyf{t\ @)&#÷)*÷@( ut] lbp;f] !=#) ah]leq a}+ssf] k|wfg sfof{no,

gofF afg]Zj/df k7fPsf] cj:yfdf cGo ;a} k|ltlglw–kq -k|f]S;L_ x? ab/ eO{ ;f]xL kq ;fy k|fKt

k|ltlglw–kq -k|f]S;L_ dfq dfGo x'g]5 . ;f] adf]lhd gu/L Ps} z]o/wgLn] PseGbf a9L JolQmx?nfO{

k|ltlglw–kq -k|f]S;L_ lgo'Qm u/]sf] kfOPdf To:tf] ;a} k|ltlglw–kq -k|f]S;L_ x? ab/ x'g]5g\ .

&= gfafns jf dfgl;s ?kdf c;Ifd z]o/wgLx?sf] tkm{af6 a}+ssf] z]o/ nut lstfadf ;+/Ifssf]

¿kdf gfd btf{ eO/x]sf dxfg'efjx?n] ;efdf efu lng ;Sg' x'g]5 .

*= cfkmgf] gfddf /x]sf] z]o/ ;+Vof eGbf a9L z]o/ ;+Vof pNn]v u/L k|ltlglw–kq -k|f]S;L_ lbPsf]

cj:yfdf To:tf ;a} k|ltlglw–kq -k|f]S;L_ x? :jtM ab/ x'g] 5g\ .

(= ;'/Iffsf] b[li6sf]0fn] z]o/wgL dxfg'efjx? ;ef :yndf cfpFbf emf]nf, Aofu h:tf a:t'x? glnO{

cfpg' x'g cg'/f]w ul/G5 . cfjZos b]lvPdf ;'/IffsdL{n] ;'/Iff hfFr ug{ ;Sg] ePsf] x'Fbf ;f] sfo{df

;xof]u ul/lbg' x'g ;d]t cg'/f]w ul/G5 .

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

cf=j= @)&@÷&# sf] ;+lIfKt jflif{s ljQLo ljj/0f

cWoIfsf] k|ltj]bga+}ssf] ;+rfns ;ldltsf] tkm{af6 d o; cj;/df :6\of088{ rf6{8{ a+}s g]kfn lnld6]8n] cfly{s jif{ @)&@÷&# df ;+oldt sfo{;Dkfbg u/]sf] hfgsf/L u/fpg rfxG5' . clws t/ntf, Go"g Aofhb/ Pj+ Go"g rnfodfgtf tyf e"sDkkZrft\ ahf/ ;+j]bgfdf cfPsf] kl/at{gsf] afha't klg a+}sn] of] pknAwL xfl;n u/]sf] xf] . nfdf] ;do ;Dd t/fO{ If]q czfGt x'Fbf ef/t;Fu hf]l8Psf gfsfx?af6 OGwg nufot cTofjZos ;fdfu|Lx?sf] cf];f/k;f/df ef]Ug' k/]sf]] ;d:ofx?n] ubf{ cj:yf yk hl6n aGg uof] .

tyfkL, ;+rfns ;ldlt a+}s;Fu /x]sf ;Defjgfx? Aff/] ljZj:t 5 eg]] Aoj:yfkg ;d"x;Fu xfn ljwdfg cj/f]wx?nfO{ kf/ ub}{ / eljiosf nflu Aoj;fonfO{ k'gMcjl:ytLs/0f ug{ cfjZos?kdf Wofg s]lGb|t /x]sf] 5 . xfd|f] ahf/ dWod tyf lb3{sfnLg b'a} ?kdf cfsif{s /x]sf] 5 eg] xfd|f] k|m]GrfOhsf] gSsn ug{ sl7g 5 / xfdL xfd|f] sfo{;Dkfbgsf] ultnfO{ a9fpg pko'Qm :yfgdf /x]sf 5f+} .

cGt/fli6«o a+}ssf] ?kdf xfd|f] ljZjAofkL pkl:ytLn] xfdLnfO{ ;+;f/e/df Aoj;fo Pj+ nufgL ug{;Sg] bIftf k|bfg ub{5 . xfd|f] zlSt eGg' g} xfd|f] k[ystf / ljZjAofkL ;~hfn xf] . ;]jfu|fxL tyf u|fxsju{nfO{ ljleGg ?kdf ;xof]u u/L g]kfnsf] cfly{s a[l4nfO{ ult lbg] xfd|f] ;fdflhs p2]Zo xfl;n ug{df xfdL k"0f{?kdf k|lta4 5f+} . cfˆgf] /0fgLltdf k'gs]{lGb|t x'g] / eljiosf nflu a+}snfO{ k'g:yf{lkt ug]{ lbzfdf xfdLn] ljleGg lg0ff{os sbdx? rfn]sf 5f}+ / rfln/xg] 5f}+ .

z]o/wgLx?nfO{ k|bfg ul/g] k|ltkmnsf] dxTj ;+rfns ;ldltn] a'em]sf] 5 . alnof] k"FhL cg'kftnfO{ sfod /fVb} eljiosf] a[l4nfO{ ;xof]u k'Ug] x]t'n] k|]mGrfOhdf nufgL / k|ltkmn larsf] ;Gt'ngdf ;+rfns ;ldtL ljZjf; /fVb5 . xfd|f] k"FhLsf] l:ytL lgofds / ahf/sf] ck]Iff adf]lhd /xg]5 . tkfO{+x?nfO{ k"0f{?kdf hfgsf/L 5 ls xfd|f] k|fyldstf eg]s} pRr k"FhLs[t, clws t/n / ljljwtfo'St jf;nft sfod ug'{ xf] . xfdL xfd|f] hf]lvd jxg ug]{ Ifdtfleq /xL gfkmfd'ns lbuf] j[l4 ug{sf nflu klg sl6a4 5f+} .

xfd|f] a|f08 k|lta4tf ‘Here for good’ xfd|f] sfo{k4ltdf alnof];Fu ;dflxt ePsf] 5 h;n] a++}ssf] ?kdf xfdLn] s;/L sfd u5f+}{ Pj+ cfˆgf] Aoj;fo s;/L ;+rfng u5f{+} eGg] s'/fnfO{ t]hf]jf]w ub{5 . xfd|f] a|f08 k|lta4tf g} xfdL s] xf}+ eGg] s'/fsf] ;f/tTj xf] / o;n] xfdL cfkm" j/k/sf] ;dfh tyf ;d'bfosf] k|utL tyf ;d[l4 xfl;n ug{df k|of;/t /x]sf] / c;n tl/sfn] c;n sfd ug{ bQlrQ /x]sf] tYo klg phfu/ u/]sf] 5 . :6\of088{ rf6{8{ xfd|f] ;d'bfodf ulx/f];Fu ;dflxt ePsf] 5 / o; a|f08nfO{ ahf/sf] pTs[i6 a|f08 agfO/xgsf] lglDt xfd|f] k|of; hf/L /xg] 5 .

kl/0ffdx? – Ps emns

lAflQo kl/b[io÷kl/;'rsx?* cl3Nnf] cfly{s jif{sf] s/kl5sf] v'b gfkmf ! ca{ #! s/f]8

?k}ofFsf] t'ngfdf v'b gfkmf !=$ k|ltztn] sd eO{ ! ca{ @( s/f]8 ?k}ofF sfod /x]sf] 5 .

z]o/sf] ;+Vofdf a[l4 t/ d'gfkmfdf cfPsf] x|f;sf sf/0f k|lt z]o/ a/fa/sf] cfDbfgL !@=## ?k}ofFn] 36]/ $%=(^ ?k}ofF /x]sf] 5 .

cl3Nnf] cfly{s jif{sf] @*=)@ ca{ ?k}ofFsf] t'ngfdf hf]lvd ;DklQ (Risk Assets) !#=!! k|ltztn] a[l4 eO{ #!=&) ca{ ?k}ofF a/fa/ /x]sf] 5 .

cl3Nnf] cfly{s jif{sf] %&=@( ca{ ?k}ofFaf6 lgIf]kdf @=&@ k|ltztsf] lu/fj6 eO{ s'n lgIf]k %%=&# ca{ ?k}oFf /x]sf] 5 .

* g]kfn /fi6« a}saf6 hf/L lgb]{zg adf]lhdsf] n]vf cg';f/ /x]sf] .

a+}ssf] sfo{;Dkfbga+}sn] x/]s aif{ ;Gtf]ifhgs sfo{;Dkfbg ul//x]sf] 5 . cl3Nnf] cfly{s jif{sf] %(=$ s/f]8 ?k}ofFsf] t'ngfdf a+}sn] o; cfly{s jif{df %)=# s/f]8 ?k}ofF Aofj;flos s/sf] ?kdf ;/sf/L 9's'6Ldf of]ubfg u/]sf] 5 .

j}wflgs / lgofds dfkb08 cg'?k, ;+rfns ;ldtLn] ;6xL 36a9 sf]ifdf @=() s/f]8 ?k}ofF / ;fwf/0f hu]8f sf]ifdf @%=* s/f]8 ?k}ofF /sdfGt/sf nflu l;kmfl/; u/]sf] 5 . o;sf cnfjf ;+rfns ;ldltn] !=&% k|ltztsf] gub nfef+; k|:tfj u/]cg'?k ;f]sf nflu $=(# s/f]8 ?k}ofF 5'6\ofOPsf] 5 . ;+rfns ;ldltn] a+}ssf] k"FhL a[l4 ug{sf nflu ##=## k|ltzt af]g; z]o/ hf/L ug{] k|:tfj cg'?k o; cfly{s jif{sf] d'gfkmfaf6 (#=& s/f]8 ?k}ofF 5'6\ofOPsf] 5 .

ljlgof]hg kl5 !^=#* k|ltztsf] ;du| cg'kft ;lxt xfd|f] Tier ! / Tier @ k"FhL kof{Kttf cg'kftx? qmdzM !$=)* / @=# k|ltzt lyP . xfd|f] xfnsf] k"FhLsf] cj:yf xfd|f ;a} Aofkf/ cfjZostfnfO{ k"tL{ ug]{ rflxg] eGbf a9L / g]kfn /fi6« a+}ssf] Basel II k"FhL kof{Kttfsf] dfkb08 eGbf dfly / cGt/fli6«o dfGotfeGbf klg a9L /x]sf] 5 .

cfly{s jftfj/0f

ljZjAofkL kl/j]zlaut ^ jif{b]lv x/]s jif{ ljZjAofkL cy{tGq ;':t ultdf cuf8L a9L/x]sf] 5 . t/ ;f] ;':ttf k|ltsf] gLltut k|lts[of clws ?kdf df}lb|s v's'nf]kgf dfly lge{/ /x]sf] 5 h'g ckof{Kt 5 . o; jif{ a[l4 Toltdfq x'g]5 h'g ;+s6sf] ;dodf d'l:snn] xfdL ck]Iff ug{ ;Sb5f} . xfnsf] a[l4 ;g\ !(() bzssf] z'?sf] ERM ;+s6, Pl;ofnL cfly{s ;+s6, 86sd aansf] k|efj -The bursting of the dot-com bubble_ / ljZjAofkL cflYf{s ;+s6sf] ;dodf ljBdfg a[l4sf] :t/;Fu ;dfg /x]sf] 5 .

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

a}+ssf] ;+lIfKt cfly{s ljj/0f / 5nkmnsf ljifox?sf] ;"rL g+= -%_, -^_, -&_ / -*_ adf]lhdsf] k|aGw–kq tyf lgodfjnLdf k|:tfljt ;+zf]wgsf] ljj/0f o;} ;"rgfsf ;fy ;+nUg u/L k7fOPsf] 5 . ;fy} sDkgL P]g, @)^# cg';f/sf] jflif{s ljQLo ljj/0f, ;+rfnssf] k|ltj]bg / n]vfk/LIfssf] k|ltj]bg z]o/wgL dxfg'efjx?n] a}+sdf cfO{ lg/LIf0f ug{ / k|fKt ug{ ;Sg' x'g] Joxf]/f cg'/f]w ub{5f}+ .

To;f] t a[l4n] ult u'dfP tfklg Pl;of If]q eg] ;sf/fTds ckjfbsf ?kdf b]lvPsf] 5 . lautdf ljZjAofkL b'|t a[l4df lge{/ /x]sf] Pl;of If]qn] cfh ljZjAofkL a[l4df ;a}eGbf 7"nf] of]ubfg ul//x]sf] 5 . ljz]if u/L cd]l/sL km]8]/n l/he{n] a[l4sf] rf+F8f] k|ltkmn k|fKt ug]{ pb]Zon] Aofhb/nfO{ yk a[l4 ug]{ rfxgf hgfO;s]sf] kl/k|]Iodf ;f] pk/ gLlt nlIft /xg]5 .

cl3Nnf] jif{eGbf ljZj cy{tGqdf ljleGg sf/0fn] v:sbf] cj:yfdf kl/jt{g eO{/x] tfklg cfly{s ahf/df ljz]ifu/L Pl;ofsf pbfpFbf cy{tGqx?df ahf/sf] dgf]efj cem alnof] /x]sf 5 . km]8]/n l/he{n] csf]{ Ps k6ssf] Aofhb/ a[l4 u/]klg clws ;do;Dd Aofhb/ Go"g /xg] b]lvPsf] 5 . h;n] ljz]ifu/L pbfpFbf ahf/x?sf dgf]efjnfO{ a9f}tL lbg]5 . Go"g ljZjAofkL aG8 dflh{g / l:y/ d'b|fx? EM sf] leqL k|jfxdf ;xfos l;4 ePsf 5g\ .

;g\ @)!^ df ljZjAofkL cy{tGq @=% k|ltztn] a[l4 x'g] ck]Iff ul/Psf] 5 . Nofl6g cd]l/sf ;a}eGbf v/fa a[l4 cfFsng ul//x]sf] If]q xf] h;sf] cy{tGqdf cem} ! k|ltztsf] ;+s'rg cfpg] cfFsng ul/Psf] 5 . t/ d'Vo / alnof cy{tGqx?sf] lg/fzfhgs a[l4 d'Vo lrGtf / rf;f]sf]] ljifo x'g cfPsf] 5 . xfdLn] ljsl;t cy{tGqx? o; jif{ dfq !=$ k|ltztn] a9]sf] b]Vg]5f+} . Pl;of csf{lt/ cfzfsf] Hof]tL ePsf] 5 . Pl;of -hfkfg afx]s_ sf] o; jif{sf] cfly{s a[l4 ̂ k|ltztn] a9\g] ck]Iff ul/Psf] 5 h;n] s'n ljZjAofkL a[l4sf] tLg efusf] b'O{ efu a[l4 ug{sf] nfuL of]ubfg lbg]5 .

cfhsf] ljZj qmlds ?kdf Go"g a[l4k|lt cEo:t / ;Gt'i6 eO/x]sf] 5 . of] ljz]ifu/L klZrdf /fi6«x?sf] xsdf cem} al9 nfu" x'G5 . ahf/df cTolws rn]sf] ljifo g} df}lb|s gLlt xf] . o; jif{sf] cGTo;Dd cd]l/sg km]8]/n l/he{n] Aofhb/ a9fpg] ;+s]t ul//x]tf klg ;f] x'Gf]df cem} ;Gb]x 5 . olb p;n] Ps k6s km]/L Aofhb/ a9fPtf klg cfpg] nfdf] ;do;Ddsf nflu Jofh b/x? Go"g g} /xg]5g\ . / o;n] af:tljs cy{tGqnfO{ a9fjf lbg] ;Defjgf g/x]tf klg o;n] cfly{s ahf/x?sf] dgf]efjnfO{ ;xof]u ug]{ 5 . ljz]ifu/L Pl;ofnfO{ lnP/ xfdL pbfpFbf cy{tGqx?af/] ;sf/fTds 5f+} . To;f] t pRr a[l4, gLltx?sf] ;lx lbzftkm{sf] ;+rf/ / sd dflh{g nufotsf sf/0f o; If]q k"FhL nufgLsf nflu cfsif{s uGtAosf] ?kdf /xg] 5 .

g]kfncl3Nnf] cfly{s jif{sf] t'ngfdf cfly{s jif{ @)&@÷&# df g]kfnsf] s'n u|fx:y pTkfbg Go"g /Xof] . dg;'gdf l9nfO, nfdf] ;do;Ddsf] aGb–x8\tfnsf ;fy;fy} blIf0fL l;df gfsfx?df ePsf] ult/f]w nufotn] /fli6«o cy{tGqdf k|lts'n k|efj kfg{ uof] h;sf] sf/0f o; cfly{s jif{ g]kfnn] ;+s'lrt a[l4 xfl;n u/\of] . s]Gb|Lo tYof+s ljefusf] k|f/lDes cg'dfg cg';f/ cfly{s jif{ @)&@÷&# df g]kfnsf] af:tljs s'n u|fx:y pTkfbg cfwf/e"t d"Nodf )=* k|ltzt / pTkfbssf] d"Nodf )=^ k|ltztn] dfq a[l4 eof] . cl3Nnf] cfly{s jif{df To:Tff] a[l4 qmdz @=# k|ltzt / @=& k|ltzt /x]sf] lyof] .

cl3Nnf] cfly{s jif{sf] zf]wgfGt/ art !$%=)$ ca{ ?k}ofFsf] t'ngfdf rfn' vftf art / k"FhLsf] leqL k|jfxdf ePsf] a[l4sf sf/0f cfly{s jif{ @)&@÷&# df g]kfnsf] zf]wfgfGt/ art hDdf !(!=@$ ca{ ?k}ofF a/fa/ clen]v ePsf] 5 . rfn' vftfsf] artdf ePsf] a[l4sf sf/0f o; cfly{s jif{df rfn' vftfdf !$)=$@ ca{ ?k}ofF a/fa/sf] a[l4 ePsf] 5 h'g cl3Nnf] cfly{s jif{df !)*=#@ ca{ ?k}{FofFdf l;ldt /x]sf] lyof] . ut cfly{s jif{df ljk|]z0f /sdsf] k|jfxdf ePsf] !#=^ k|ltzt a[l4sf] bfFhf]df o; jif{ j}b]lzs /f]huf/Ldf uPsf g]kfnLn] k7fPsf] To:tf] /sdsf] k|jfxdf &=& k|ltztn] a[l4 eO lak|]lzt /sd ^^%=)^ ca{ ?k}ofF x'g k'u]sf] 5 .

To;}u/L, g]kfnn] o; cfly{s jif{df hDdf &)#=$* ca{ ?k}ofF a/fa/sf] Aofkf/ 3f6f ef]u]sf] 5 h'g cl3Nnf] cflYf{s jif{sf] t'ngfdf @ k|ltztn] dfq a9L xf] . uPsf] cfly{s jif{df /fi6«n] !)=* k|ltztn] a}b]lzs Aofkf/ 3f6f a]xf]/]sf] lyof] . o;} cg'?k ;ldIff cjlwdf s'n Aofkf/ 3f6fdf s'n u|fx:y pTkfbgsf] cg'kft cl3Nnf] jif{ #@=% k|ltztaf6 36]/ #!=# k|ltztdf em/]sf] 5 . eg] cfoft–lgof{t cg'kft (=! k|ltztdf em/]sf] 5 . o;sf] cy{ ;ldIff cjlwdf lgof{Tfsf] cfsf/eGbf cfoftsf] cfsf/ !! u'0ffn] a9L ePsf] xf] . cl3Nnf] cfly{s jif{ cfoft–lgof{t cg'kft !! k|ltzt /x]sf] lyof] . cl3Nnf] cfly{s jif{df &=# k|ltztn] 36]sf] lgof{t o; cfly{s jif{df yk !&=* k|ltztn] 36]sf] 5 . ljz]ifu/L k]6«f]lnod kbfy{sf] cfoftdf cj/f]w cfPsf sf/0f cl3Nnf] cfly{s aif{sf] t'ngfdf o; cfly{s jif{ @)&@÷&# df cfoftdf klg )=! k|ltztn] ;+s'rg cfPsf] 5 h'g cl3Nnf] cfly{s jif{df *=$ k|ltztn] a9]sf] lyof] .

cfly{s jif{ @)&@÷&# sf] cfiff9 d;fGt;Dd s'n ljb]zL d'b|f ;6xL ;+lrtL !)#(=@! ca{ ?k}ofF a/fa/ /x]sf] 5 h'g cl3Nnf] cflYf{s jif{sf] ;f]xL cjlwdf clen]v ePsf] s'n ljb]zL d'b|f ;6xL ;+lrtL /sd *@$=)^ ca{ ?k}ofF eGbf @^=! k|ltztn] a9L xf] . ljwdfg cfoftsf] k|a[lQnfO{ cfwf/ dfGg] xf] eg] xfnsf] ljb]zL d'b|f ;6xL ;+lrtL /sdn] !^=% dlxgf;Ddsf nflu a:t'sf] cfoft / !$=! Dflxgf;Ddsf nflu a:t' / ;]jfsf] cfoftnfO{ wfGg ;Sb5 .

cfly{s jif{ @)&@÷&# sf] cfiff9 d;fGt;Dd yf]s d"No ;"rs -wholesale price index_ cl3Nnf] cfly{s jif{sf] ^=! k|ltzt a[l4sf] t'ngfdf ^=# k|ltztn] a9]sf] 5 . ;fy} ut cfly{s jif{sf] &=@ k|ltztsf] t'ngfdf o; cfly{s jif{df pkef]Qmf d'No ;"rs -consumer price Index_ df (=( k|ltztn] a[l4 ePsf] 5 .

uPsf] cfly{s jif{sf]] cd]l/sL 8n/sf] d'Nosf] t'ngfdf o; cfly{s jif{sf] ;f]lx cjwL;Dd g]kfnL d'b|fsf] d'No %=@ k|ltztn] cjd'Nog ePsf] 5 eg] g]kfnL ?k}ofFsf] ef/tLo ?k}ofF;Fusf] l:y/ ljlgdo b/ lautdf h:t} !M^=! df g} sfod /x]sf] 5 .

cfufdL jif{cl3Nnf] jif{sf] dxfe"sDksf] k|efj / ;+ljwfg 3f]if0ffkl5 t/fO{ If]qdf ePsf] cfGbf]ngsf sf/0f cfly{s jif{ @)&@÷&# sf] clwsf+z cjlwdf cfly{s lqmofsnfkdf gsf/fTds c;/ k¥of] . ef/t;Fu hf]l8Psf l;df gfsfaf6 OGwg nufotsf cTofjZos ;fdu|Lsf] cfk"tL{df ePsf] cj/f]wn] cfdlhjgsf ;fy;fy} ;du| cfly{s tyf Aofj;flos jftfj/0fnfO{ lg?T;flxt u¥of] . Aofhb/df cfPsf] lu/fj6, clws t/ntf / Go"g rnfodfgtf nueu ;Dk"0f{ jif{e/L g} sfod /Xof] . ;du| /fli6«o cy{tGqdf b]lvPsf] ;':t ultsf] c;/ xfd|f] a+}ssf] sfo{;Dkfbgdf klg k|ltlalDjt ePsf] 5 .

xfd|f nflu rfn' cfly{s jif{ @)&#÷&$ sf] ;'?jft ;sf/fTds ?kdf ePsf] 5 . ;'wf/sf nflu /rgfTds ;+s]tx? qmdz M b]vf kg{ yfn]sf] hgfpg kfpFbf d xlif{t 5' . cfufdL jif{x? Aoj;fo / Aofkf/sf cj;/x? >[hgfsf lx;fan] pTk|]/s tyf pTkfbs x'g] s'/fdf xfdL ljZj:t 5f+} . xfdL cfˆgf u|fxs tyf ;]jfu|fxLx?nfO{ ;]jf pknAw u/fpFb} / o;af6 Joj;fodf x'g] a[l4sf] cj;/nfO{ pkof]u u/L k|ltkmn lng] lbzfdf pko'St :yfgdf plePsf 5f+} . xfdL cfˆgf k|lt:kwf{Tds Ifdtf / k|fKt cj;/sf] ;b'kof]u u/L z]o/wgLx?sf nflu yk k|ltkmn k|bfg ug{sf nflu ;Sbf] k|of; ug]{5f+} .

xfd|f] sfo{Ifdtfdf yk k|efjsf/Ltf Nofpgsf nflu xfdLn]] l8lh6fOh];g -digitisation_ sf] k|s[ofnfO{ a9fPsf 5f+} / d'Vo k|s[ofx?sf] k'gMoflGqs/0f / k|ljwLnfO{ u'0f:tl/o agfpg] tkm{ pNn]vlgo sfo{x? ul//x]sf 5f+} . qmlds ?kdf al9/x]sf] lgodg ;DalGw hl6ntfnfO{ Aojl:yt ug]{ Ps dfq tl/sf olx g} xf] eGg]

xfdLn] a'em]sf 5f+} . cg'kfngf / pTkfbsTj b'a}df lbuf] ;'wf/ Nofpgsf nflu xfdLn] lo If]qx?df k|fyldstfsf ;fy nufgL ul/x/]sf 5f+} . lb3{sfnLg b[li6sf]0fdf h}ljs a[l4 -organic growth_ xfl;n / cfosf] ljljw >f]tx?sf] ;'lglZrttfdf xfd|f] Wofg s]lGb|t /x]sf] 5 . xfd|f] Aoj;fosf] k'gMcj:yLlts/0f ug{ / k|ltkmnnfO{ a9fpgsf nflu cfjZos yk ultaf/] xfd|f Aoj:yfkg / sd{rf/Lx? k"0f{ ?kdf ;r]t 5g\ . To;}n] xfdLn] xfd|f] sfo{;Dkfbgsf] ultnfO{ clwstd kl/rfng ul//x]sf 5f+} .

afXo jftfj/0fdf /x]sf ljwdfg r'gf}tLx?nfO{ xfdLn] slxNo} klg cfˆgf] ;Dkfbgdf cfPsf] x|f;sf] axfgf agfPgf+} . g t ;f] sf/0f xfd|f] sfo{;DkfbgnfO{ sd x'g g} lbof}+} . a?, aflx/L r'gf}tLx?n] xfd|f] d'gfkmfnfO{ a9fpgsf nflu klxrfg ePsf ;a} cTofjZos ;+/rgfut / sfo{ ;+rfng ;DaGwL ljifox?nfO{ cfjZos kg]{ ;a} sfo{ u/L pSt r'gf}tLsf] ;Daf]wg u/\of} . h;sf] kl/0ffd eg]sf] xfdLn] sfod ug{ ;s]sf] ljljw, t/n, ;';+ul7t / alnof] jf;nft xf] . xfdL;Fu s]lx pRr:t/Lo sdl;{on tyf cGt/fli6«o u|fxsx? -Commercial and International Clients_ sf Joj;fox? kfOknfOgdf /x]sf 5g\ eg] l/6]n Aoj;fodf b'|t ult lngsf nflu xfd|f] jf;nftn] k|z:t :yfg lbPsf] 5 .

lbuf]?kdf :yfgLo cfjZostf ePsf t/ xfd|f] alnof] Cross-border Ifdtfx?af6 nfe lng ;Sg] Aoj;flos u|fxsx?nfO{ s]Gb|df /flv xfdLn] sdl;{on a+}lsË ljefusf] :yfkgf u/]sf 5f+} . qm]tf tyf cfk"tL{stf{x?sf nflu nufgL ug{ Aoj;flos tyf ;+:yfut a+}lsË;Fu ;xsfo{ ub}{ xfdLn] cfˆgf] ;+hfn cg'kftnfO{ lg/Gt/ la:tf/ ul//xg] 5f+} . l/6]n a+}lsËdf xfdL]n] u/]sf] ;'wf/n] pNn]vgLo kl/0ffd xfl;n ul//x]sf] 5 .

xfd|f] cy{tGqdf nflu s[lif If]qsf] pGgtL cfjZos /x]sf] 5 eg] o; jif{df xfdL ;Gtf]ifhgs s[lif pTkfbgsf] ck]Iff u/]sf 5f+} . s[lifsf] af/]df ablnbf] cjwf/0ff h:t} cfw'lgs s[lif cf}hf/ / k|ljwLsf] k|of]u / ;]jfx?sf] ljt/0fdf ePsf] ;'wf/sf sf/0f o; If]qsf] s'n u||fx:y pTkfbgdf of]ubfg a9\g] ck]Iff ul/Psf] 5 . o;}u/L, ;fdflhs–/fhgLlts kl/j]zdf cfPsf] ;'wf/n] cf}wf]lus If]qnfO{ kmfObf k'¥ofpg] ljZjf; lnOPsf] 5 . ;fy} g]kfnsf] k'glg{df{0fsf] Ph]08fn] cf}wf]lus If]qsf] pTkfbgsf] dfunfO{ a9fpg]5 / ;/sf/n] k"jf{wf/df ug]{ nufgLnfO{ a9fjf lbg]5 . dWo Pl;of / blIf0f k"jL{ Pl;ofaf6 leqLg] ljk|]z0f /sdsf] l:y/tfn] klg /fli6«o cy{tGqnfO{ yk rnfodfg agfpg] 5 . csf{lt/ ko{6g If]qdf dWo tyf lb3{sfnLg ;Defjgf ;sf/fTds b]lvb}5 . lo ;a} cfwf/x?n] g]kfnsf] cy{tGq a[l4 x'g] ;Defjgf /x]sf] 5 .

;+:yfut ;'zf;g

a+}ssf] ;+:yfut ;'zf;g dha't / ultlzn /x]sf] 5 . alnof] ;+:yfut ;'zf;g xfd|f] lb3{sfnLg ;kmntfsf] cleGg c+u /x]sf] xfdLNf] a'em]sf 5f+} . tkfO{x? ;a}n] dgg ug{' ePs} 5 ls a+}s cfkm}df ;DaGwdf cfwfl/t Aoj;fo xf] eg] xfdLn] xfd|f sd{rf/L, lgofdsx?, ;]jfu|flx tyf u|fxsx? / cGo ;/f]sf/jfnfx?;FUfsf] ;DaGwnfO{ pRr dxTj lbPsf 5f+} / xfd|f ;a} k|of; / sbdx? olx ;DaGwnfO{ yk k|uf9 agfpgdf s]lGb|t /x]sf 5g\ .

xfdL ;'zf;gdf ;dflxtfnfO{ ;'lglZrt ug{sf nflu ;w}+ sl6a4 5f+} . :yflkt ;ldltx?sf cnfjf xfdL;FUf ljljwtf / ;dfj]lztf -Diversity and Inclusion_, :jf:Yo / ;'/Iff, jftfj/0f / ;fd'bflos ;fem]bf/L nufotsf ;ldltx? klg /x]sf 5g\ . lo ;ldltx?sf k|of;n] xfd|f ;/f]sf/jfnfx?nfO{ yk dfGotf k|bfg u/L pgLx?nfO{ v';L t'NofPsf 5g\ . ;'zf;gn] :ki6 hjfkmb]lxtf k|bfg ug'{sf ;fy}

alnof] lgoGq0f, plrt Aojxf/sf] ;+rf/0f / pTs[i6 sfo{Ifdtfsf] dha'tLs/0f nufotnfO{ ;'lglZrt ug]{{ xfd|f] ljZjf; /x]sf] 5 .

xfd|f] a}+sn] :6\of088{ rf6{8{ a}+s ;d"xsf] hf]lvd Aoj:yfkgsf l;4fGt / cEof;x? (Risk Management Principles and Practices) nfO{ cjnDag u/]sf] 5 h'g a}+lsË If]qsf] hf]lvd Aoj:yfkgdf Gfljg / pTs[i6 cGt/fli6«o cEof;x?sf] cfwf/df ag]sf 5g\ .

a}+lsË Aoj;fosf] cGo :jefjhGo hf]lvdx? Hf:t} shf{ Aoj:yfkg, cGt/ l;dfgf, ahf/ t/ntf tyf ultlzntf / k|lti7f / ;b\efj;Fu ;DalGwt cGo hf]lvdx? klg o;df ;dflji6 5g\ . o;sf cnfjf a}+sn] hf]lvd Aoj:yfkgcGtu{t ;dfj]z u/]sf l;4fGtx?df Hff]lvd / nfesf] ;Gt'ng, pQ/bfloTj / hjfkmb]lxtf, hf]lvdsf] k'j{fg'dfg / k|efjsf/L hf]lvd Aoj:yfkgåf/f k|lt:kwf{Tds nfe nufotsf 5g\ . o;}u/L, a}+sn] ;+rfns ;ldlt, n]vfkl/If0f ;ldlt, hf]lvd ;ldlt, sfo{sf/L ;ldlt, Aoj;fo ;+rfng :t/sf] hf]lvd Aoj:yfkg nufotnfO{ ;d]6]sf] :6\of088{ rf6{8{ ;d"xsf] hf]lvd Aoj:yfkg ;'zf;g ;+/rgf (Risk Management Governance Structure) nfO{ klg c+lusf/ u/]sf] 5 .

hf]lvd Aoj:yfkgsf nflu e"ldsf tyf pQ/bfloTjx? ;'/Iffsf] ltg tx gd'gf (Three Lines of Defence Model) cGtu{t kl/eflift ePsf 5g\ h;df Aoj;fo ;+rfng ;'/Iff klxnf] tx, Aoj;fo ;+rfng cGtu{tsf] hf]lvd sfo{ ;'/Iff bf]>f] tx / n]vfk/LIf0f ;ldtLnfO{ k|ltj]bg a'emfpg] u/L :jtGq cfGtl/s n]vfk/LIf0f sfo{ ;'/Iff t]>f] txdf kb{5g\ . o; k|sf/n] hf]lvd Aoj:yfkg k|s[ofn] a}+sdf hf]lvd Aoj:yfkgsf] k|efjsf/L k|0ffnLsf] ;'lglZrtf x'g] u/L ;+rfns ;ldltsf] txb]lv Aoj;fo ;+rfngsf] tx;Ddsf] ;xeflutfnfO{ ;dfj]z ub{5 .

ljZjn] cft+sjfbsf] vt/fsf] ;fdgf ul//x]sf] 5 . cft+sjfbdf nufgL h:tf cfly{s ck/fwla?4 plegsf nfuL Pj+ ;/sf/x?n] ;xsfo{ ug{sf nflu d'b|f lgd{nLs/0f / cft+sjfbdf nufgLsf] ;fdgfsf nflu dfkb08x?sf] ljZjAofkLs/0fsf] cfjZostf /xG5 . g]kfn o:tf hf]lvdx?af6 c5'tf] 5}g . FATF dfu{ lgb]{lzsf, Customer Due Deligence / Anti Money Laundering dfkb08x?sf] sfof{Gjogsf] Aoj:yfkgsf nflu ljQLo If]q ;'b[9 tyf >f]t ;DkGg x'g'kg]{ xfd|f] ljZjf; /x]sf] 5 . a+}sx?n] k"jf{wf/ tyf sd{rf/Ldf nufgL u/L pgLx? Dffkm{t\ cGt/b]lzo ;]jfu|flxx?sf] Aoj:yfkg tyf lgl/If0fdf tTk/ gx'Fbf;Dd ;dsIfL÷;fem]bf/L a+}lsË;Fu ;DalGwt hf]lvdx? a9L /xg]5g\ h;n] o;nfO{ pRr hf]lvd / vrf{n' k|0ffnL jf If]qsf] ?kdf :yflkt ug]{5 .

>L cg'/fu cbnvf, >L ;'lht d'Gb'n / >L hf];]km l;Nefg;n] :8\of088{ rf6{8{ lu|08n]h ci6«]lnofnfO{ k|ltlglwTj ul//xg'ePsf] 5 eg] >L s[i0f s'df/ k|wfg a}+ssf] ;+rfns ;ldltdf Aoj;flos :jtGq ;+rfnssf ?kdf /xg'ePsf] 5 . >L z+s/ nfn cu|jfnn] ;j{;fwf/0f z]o/wgLx? nfO{ a+}ssf] ;+rfns ;ldltdf k|ltlglwTj ul/xg'ePsf] 5 . # h'g @)!^ df ;DkGGf a}+ssf] @(cf+} jflif{s ;fwf/0f;efaf6 pxfF lgjf{lrt x'g' ePsf] xf] . d :jo+, cgGt gf/fo0fn] :of6\088{ rf6{8{ a}+s g]kfn lnld6]8sf] ;+rfns ;ldltdf /x]/ :of6\088{ rf6{8{ a}+s, a]nfotnfO{ k|ltlglwTj ul//x]sf] 5' .

cf=j=@)&@÷&# df ;~rfns ;ldltdf Ps u}/ sfo{sf/L cWoIf, Ps sfo{sf/L ;~rfns, P+j rf/ u}/ sfo{sf/L ;+rfns u/L hDdf ^ hgfsf] ;+rfns ;ldlt /x]sf] 5 . h;dWo] sfg"gL k|fjwfg cGtu{t Ps Joj;flos÷:jtGq ;~rfns / Ps ;j{;fwf/0f z]o/wgLx?sf] k|ltlglwTj ug]{ ;~rfns ;d]t /xg' ePsf] 5 .

xfdLn] pknAw u/fPsf k|ljlwo'St ;'ljwfx?nfO{ k/L:s[t ug{ u|fxs tkm{ tyf cfkmgf] ;+rfng k|s[of b'j} lt/ ;Fu;u} ;'wf/ ub{} n}hfg]5f+} . h;af6 cfufdL aif{df a}+snfO{ lbuf] a[l4 / pRr k|ltkmn k|fKt x'g]df a}+s ljZj:t /x]sf] 5 .

xfdL;FUf xfdLnfO{ lglbi6 ug]{ :ki6 of]hgf /x]sf 5g\ . cg'ejL Aoj:yfkg ;d"x tyf xfd|f] ;+:sf/df cGtlg{lxt xfd|f] a|f08 k|lta4tf Here for good xfd|f alnof c:q x'g\ . ablnFbf] afXo jftfj/0fk|lt a}+s cg's'n x'Fb} hfg] / ahf/sf ljwdfg cj;/x?nfO{ xfl;n ul//xg]df a+}ssf] ;+rfns ;ldlt k"0f{ ;+slNkt /x]sf] 5 .

xfdLn] lng] ;a} vfn] /0fgLlts / sfo{ ;+rfng ;DalGw lg0f{ox? xfd|f] cfˆg} Aojxf/ / lgoGq0fnfO{ ;'wf/ ub}{ hfg] k|lta4tfsf cfwf/ x'g\ . cfly{s ck/fw la?4sf] n8fO{df xfdL cu|k+lQmdf plePsf 5f+} / o; pQ/bfloTjnfO{ clt ulDe/tfsf ;fy lnPsf 5f+} . xfdLn] cfˆgf sd{rf/L / cGt/lglxt Aojxf/sf ;fy;fy} cg'kfngf ;DalGw k"jf{wf/df clws nufgL ug]{ 5f+} .

d cYf{ dGqfno / g]kfn /fi6« a+}snfO{ xfdLk|ltsf] cd"No ;xof]u / dfu{bz{gsf nflu xflb{s s[t1tf ck{0f ug{ rfxG5' . cfly{s pBf]usf] k|a4{g / ;xfotfdf b]vfPsf] k|lta4tfsf nflu d o; cj;/df pxfFx?sf] ;/fxgf klg ug{ rfxG5' . xfdLk|ltsf] dha't tyf cljrlnt ;xof]usf nflu d ;a} nufgLstf{x? k|lt cfef/L 5' .

a+}lsË If]qleq al9/xsf] k|lt:kwf{sf sf/0f xfd|f sd{rf/Lx?sf] ahf/df pRr dfu /x]sf] 5 . pTs[i6 tyf Ifdtfjfg sd{rf/Lx?nfO{ a+}sleqdf g} /lx/xg cfslif{t ug]{ tyf pgLx?sf] lzk / Ifdtf ljsf;sf] dxTjaf/] xfdL ;r]t 5f+} . xfdL pTs[i6 sfo{;Dkfbg / Aoj;flos ;+:s[tLsf] ;Ddfg ug]{ a+}s ePsf sf/0f lautdf em+} sd{rf/Lx?sf] plrt sfo{;Dkfbg / /fd|f] Aojxf/sf nflu pgLx?nfO{ ;Ddfg ug]{ qmdnfO{ lg/Gt/tf lbO/xg]5f+} .

cGtdf, r'gf}tLk0f{ kl/l:ytLdf klg xfdLnfO{ lg/Gt/ ;xof]u ul//xg'x'g] xfd|f u|fxsju{ tyf z]o/wgLx? / cys d]xgt tyf :6\of088{ rf6{8{ a+}sk|ltsf] ;dk{0fefjsf nflu d ;Dk"0f{ sd{rf/Lhgk|lt km]/L Ps k6s cfef/ k|s6 ug{ rfxG5' . xfdL cfsif{s k|]mGrfOhsf ;+/Ifs xf}}+ / xfd|f] lg/Gt/sf] d]xgt / :ki6 lg0f{ox?åf/f z]o/wgLx?sf nflu yk k|ltkmn k|bfg ug{sf nflu pTs[i6 / kl/is[t sfo{;Dkfbg k|:t't ug]{af/] klg cfzfjfbL 5f}+ .

cgGt gf/fo0fcWoIf

lgZsif{

xfdL:fFu /fd|f] / d"Nojfg k|m]GrfOh, dha't cflYf{s Ifdtf, pTs[i6 u|fxs–;DaGw / pTs[i6 sd{rf/Lx? /x]sf 5g\ . Aoj;fo tyf sfo{;Dkfbgdf cem} a9L s]lGb|t x'gsf nflu xfdLn] lg/Gt/ ?kdf ljleGg sbdx? rfln/x]sf 5f+} eg] nufgL ug]{ IfdtfnfO{ a9fO/x]sf 5f+} . xfdLn] sfo{;Dkfbgsf k|fyldstfx?nfO{ :ki6 u/]sf 5f+} eg] lbuf], gfkmfd'ns / lbuf] a[l4sf] lbzfdf xfdL k|lta4 5f+} .

Aofkf/–Aoj;fonfO{ ;fdflhs tyf /fhgLlts cl:yt/tfn] a[xt?kdf k|efj kfb{5 . xfdL ljz]ifu/L gofF ;+ljwfg 3f]if0fkl5sf] ahf/af/] ;sf/fTds 5f+} / o;n] nfdf] ;do;Dd sfod cl:y/tfsf] cGTo u/L xfdLnfO{ xfd|f] cfly{s a[l4df k"0f{?kn] Wofg lbg ;3fpg]5 eGg] ljZjf; lnPsf 5f+} . cfly{s a[l4nfO{ a9fjf lbg] tTjx? h:t} hg;f+lvlso, zx/Ls/0f / dWod jlu{o hg;+Vofsf] a[l4sf ;fy;fy} k"jf{wf/df nufgL nufotsf kl/b[io pT;fxhgs b]lvPsf 5g\ . o;sf cfwf/df cflYf{s jif{ @)&#÷&$ / To;kl5sf jif{x?df ahf/sf] cj:yf ;'w]|/ hfg] cfzf ug{ ;lsG5 . tyfkL, phf{ ;+s6, Aofkf/df c;Gt'ng / >d nufotsf s]lx ljifox?nfO{ tTsfn ;Daf]wg ug'kg]{ cfjZostf klg /x]sf] 5 .

ljBdfg sfo{ ;+rfnghGo / ;fdflhs–cfly{s jftfj/0fsf] k[i7e"dLdf cfly{s jif{ @)&@÷&# df Tolt pT;fxhg cfly{s kl/0ffdx? xfl;n x'g ;s]gg\ . x'gt lo / cGo s+}of+} 36gfqmdx? xfd|f] lgoGq0f aflx/ /x] tfklg k|lts'n k|a[lQx?k|ltsf] xfd|f] ;+j]bglzntf qmdz 36\g] ck]Iff xfdLaf6 /fVg ;Sg'x'G5 eg] xfdL xfd|f u|fxsx?nfO{ ;3fpFb} xfd|f k|s[ofx?sf] ;'wf/ / dfgj ;+zfwgdf nufgL ug]{5f+} . o; cfly{s jif{h:tf] clglZrt ;dox?df tTsflng cl:y/tfaf6 cfˆgf] sfo{;Dkfbg k|efljt x'g glbO a+}sn] cfkm'nfO{ lb3{sfnLg 9+un] Aoj:yfkg ug{ h?/L /xG5 . o:tf] jftfj/0fdf ljrlnt geO xfdLn] cfˆgf] /0fgLltsf] sfof{Gjog ug{ cem dxTjk"0f{ x'G5 .

/0fgLltsf] sfof{Gjogdf cys Wofg lbP/ xfdL xfd|f] k|m]GrfOhsf] d'No dfGotfnfO{ yk prfO{df n}hfg]5f+} . hf]lvd ;xglzntfdf clws cg'zf;g sfod / alnof], pRr k|ltkmn lbg] u|fxsx?lar ;Gt'ng ug{ xfdL lg/Gt/ nflu/xg] 5f+} . vr{x?df s6f}tL ub}{ ;f]af6 xfl;n artnfO{ a+}ssf] eljiosf nflu nufgL ug]{ lbzfdf xfdL h'l6/x]g] 5f}+ . cfly{s rnfodfgtf tyf ck|Toflzttfaf6 hf]ufpg] / kl/l:ytLn] ;fy lbg] lalQs} eljiodf pknAw cj;/x?af6 kmfObf lng ;Sg] 9+un] xfdL cfˆgf] jf;nftnfO{ dha't /fVg]5f+} . /0fgLltsf] ;kmn sfof{Gjogn] @)&$ ciff9 d;fGt;Dd lgofds dfkb08 cg'?k xfl;n ug'{kg]{ dha't k"FhLsf] cfwf/ v8f u/L xfdL xfd|f] z]o/wgLx?n] k|fKt ug]{ k|ltkmndf ;'wf/ Nofpg] 5f+} . u|fxs cGt/lqmof -client interface_ sf ;fy;fy} xfd|f] cfˆg} sfo{;+rfng k|s[ofx?df k|ljlwsf] k|of]ux?nfO{ ;'wf/ ub}{ n}hfg]5f+} . o;/L, o:tf :j?ksf ljt/0fn] cfpg] jif{x?df xfd|f] k|ltkmnnfO{ a9fpg] / xfd|f] a[l4nfO{ csf]{ txdf n}hfg]df xfdL ljZj:t 5f+} .

cf=j=@)&@÷&# sf ljQLo pknlJwx?*

?= xhf/df

cfiff9 #!, @)&#

cfiff9 #!, @)&@

Ü kl/jt{g

;+rfng d'gfkmf !,&)!,@$* !,*%),$(@ –*

shf{ gf]S;fgL Joj:yfdf /sdfGt/

@^),&%! !**,^*@ #*

s/ Joj:yf %@$,^%# %*$,!!% –!)

gf]S;fgL Joj:yf / s/ kl5sf] v'b gfkmf

!,@(@,$(% !,#!),#%@ –!

k|:tfljt af]g; z]o/ (#&,$&% %^@,)$) ^&

k|:tfljt gub nfef+z $(,#$! $#!,**$ –*(

sDkgL P]g, @)^# sf] bkmf !)( cg';f/sf] yk hfgsf/L

k|ltj]bg tof/ ePsf] ldlt ;Ddsf] rfn" aif{sf] pknlJw / eljiodf ug'{kg]{ s'/fsf ;DaGwdf ;+rfns ;ldltsf] wf/0ff Meljiodf ug'{kg]{ s'/fsf ;DaGwdf cWoIfsf] k|ltj]bgdf pNn]v u/LPsf] .

rfn" cfly{s jif{ @)&#÷&$ sf] klxnf] q}df; sf] n]vfk/LIf0f gul/Psf] pknlJw kl/0ffd o; k|sf/ 5 M–*

shf{ tyf ;fkl6 #@,#(!,@&@lgIf]k %&,$!@,*@@;+rfng d'gfkmf %#@,%!)af]g; / s/ cl3sf] d'gfkmf %$(,)(%v'b d'gfkmf #$(,$@$

laut jif{sf] sf/f]af/sf] l;+xfjnf]sg McWoIfsf] k|ltj]bgdf pNn]v u/LPsf] .

/fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/ McWoIfsf] k|ltj]bgdf pNn]v u/LPsf] .

sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGw M sDkgLn] cfkm\gf u|fxs, sd{rf/L tyf lgofds lgsfo;Fu /fd|f] Joj;flos ;DaGw sfod u/]sf 5 sDkgLsf jl/i7 Joj:yfksx?n] lgodgsf/L lgsfox?sf ljleGg kl/ifb\, ;ldlt / pk–;ldltx?, k]zfut ;+3 ;+:yfx? tyf d~rx?df a}+ssf] tkm{af6 k|ltlglwTj ug]{ u/]sf 5g\ .

of] sDkgL g]kfn a}+s;{ P;f]l;P;g, pwf]u jfl0fHo dxf;+3, g]kfn–la|6]g pBf]u jfl0fHo ;+3, g]kfn pwf]u kl/;+3, g]kfn–ef/t pBf]u jfl0fHo ;+3, g]kfn Joj:yfkg ;+3 tyf g]kfn sDkgL ;]qm]6/L ;+:yf;Fu cfj4 /x]sf] 5 .

;+rfns ;ldltdf ePsf] kl/jt{g / ;f]sf] sf/0f M:6\of088{ rf6{8{ ;d'xn] cWoIf ;'lgn sf};nsf] :yfgdf ldlt !) kmfNu'0f @)&@ b]lv nfu' x'g] u/L cgGt gf/fo0fnfO{ lgo'Qm u/]sf] . ;fy} ;j{;fwf/0f z]o/wlgaf6 dgf]lgt ;+rfns cd[t s'df/L yfkfsf] $ aif]{ sfo{sfn ;dfKt e} pxfFsf] :yfgdf ldlt @! h]i7 @)&# df a;]sf] a}+ssf] @(cf}+ jflif{s ;fwf/0f ;efn] z+s/nfn cu|jfnnfO{ ;+rfns dgf]gog u/]sf] .

sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M cWoIfsf] dGtJo cGtu{t …cfly{s jftfj/0fÚ / …lgisif{Ú sf cg'R5]b x]g'{xf]nf .

n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[of M n]vfk/LIfssf] k|ltj]bgdf plNnlvt s}lkmotx?sf ;DaGwdf cGoyf s'g} k|lts[of 5}g .

nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd Ma}+ssf] ;+rfns ;ldltn] z]o/wgLx?nfO{ ?= (#&,$&%,### jf]gz z]o/sf] dfWodaf6 / ?= $(,#$),*)& nfef+zsf] dfWodaf6 ljt/0f ug]{ k|:tfj u/]sf] 5 .

z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] clÍt d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f]afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f Mo; cfly{s aif{df s'g} klg z]o/ hkmt gePsf] .

laut cfly{s jif{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]sg Ma}+ssf] s'g} klg ;xfos sDkgL g/x]sf] .

sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{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{g Ma}+ssf] s'g} klg ;xfos sDkgL 5}g / o; cjlwdf sDkgLsf] Joj;fodf s'g} klg dxTjk"0f{ kl/jt{g ePsf] 5}g .

laut cfly{s aif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L M:6\of088{ rf6{8{ a}+s ;d'x afx]s cGo s'g} klg z]o/wgLn] sDkgLsf] r'Stf k"FhLsf] ! k|ltzt eGbf a9L z]o/ wf/0f gu/]sf] x'Fbf a}+sdf s'g} klg cfwf/e"t z]o/wgL 5}gg\ . o; ;DaGwdf :6\of088{ rf6{8{ ;d'xaf6 s'g} klg hfgsf/L k|fKt ePsf] 5}g .

laut cfly{s aif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?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/L MgePsf] . ;+rfns / kbflwsf/Lx?n] sDkgL ;dIf u/]sf] 3f]if0ff cg';f/ cfly{s aif{ @)&@÷&# df a}+ssf] z]o/ sf/f]af/df pxfFx?sf] ;+nUgtf gePsf] .

laut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f M;+rfns / lghsf] glhssf] s'g} gft]bf/af6 To:tf] s'g} klg hfgsf/L k|fKt gePsf] .

?= xhf/df

* laQLo kl/;"rsx? g]kfn /fi6« a}+ssf] lgb]{zg adf]lhdsf] n]vfcg';f/ k|:t't ul/Psf] 5 .

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 / clÍt d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sd M;dLIff aif{df sDkgLn] cfˆgf] z]o/ cfkm} vl/b u/]sf] 5}g .

cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f McfGtl/s lgoGq0f k|0ffnL ePsf] . ;f] ;DjGwdf cWoIfsf] k|ltj]bgdf pNn]v ul/Psf] .

laut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f o; cfly{s aif{sf] Joj:yfkg vr{ ?= (@#,)$(,%!# -cfly{s ljj/0fsf] cg';"rL $=@# / $=@$ cg';f/ s'n sd{rf/L vr{ / cGo ;+rfng vr{_ /x]sf] 5 .

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/0fcfiff9 d;fGt @)&# df n]vfk/LIf0f ;ldltsf] ;+/rgf o; k|sf/ /x]sf] 5 M

>L ;'lht d'Gb'n, u}/ sfo{sf/L ;+rfns – cWoIf >L cg'/fu cbnvf, u}/ sfo{sf/L ;+rfns – ;b:o >L ;+ho aNne kGt – ;b:o ;lrj

kfl/>lds, eQf / ;'ljwf ;ldltsf cWoIf tyf ;b:onfO{ k|bfg u/Lg] k|lt a}+7s eQf qmdzM ¿= &,%)) / %,))) /x]sf] 5 . pk/f]Qm a}7s eQf afx]s cGo s'g} klg k|sf/sf] kfl/>lds jf ;'ljwfx? k|bfg ul/Psf] 5}g . b]xfosf] tflnsfn] cf=j= @)&@÷&# df a;]sf] n]vf ;ldltsf] a}7ssf] ;+Vof tyf kfl/>ldssf] e'QmfgL b]vfpFb5 M

n]vf ;ldltsf ;b:ox?

a}7ssf] ;+Vof %

e'QmfgL ePsf] kfl/>lds ?=

;'lht d'Gb'ncWoIf

% #&,%)) -s/ ;lxt_

cg'/fu cbnvf!

;b:o% z"Go – kfl/>lds glnPsf]

cd[t s'df/L yfkf@

;b:o% @%,))) -s/ ;lxt_

! $ a}+7s lel8of] sGkm]/]lG;Ësf] dfWodaf6 a}+7sdf ;xefuL x'g' ePsf] .

@ ;+rfnssf] ?kdf ldlt h]i7 @!, @)&# af6 sfo{sfn ;dfKt ePsf]

cfly{s jif{ @)&@÷&# df n]vfk/LIf0f ;ldltn] u/]sf sfo{ ljj/0f lgDg adf]lhd /x]sf] 5 Mo; ;ldltn] cfGtl/s n]vfk/LIf0f ;DaGwL k|ltj]bg, g]kfn /fi6« a}+ssf] lg/LIf0f k|ltj]bg, afXo n]vfk/LIf0f k|ltj]bg, a}+ssf] cfly{s cj:yf, cfGtl/s lgoGq0f, cg'kfngf ;DaGwL laifox?sf] k'g/fjnf]sg ub{5 . o; ;ldltn] pko'Sttfg';f/ ;+rfns ;ldlt dfkm{t Joj:yfkgnfO{ dfu{lgb]{zg Pj+ ;'emfjx? lbg] ub{5 . o;sf cltl/Qm ;ldltn] cfGtl/s n]vfk/LIf0fsf] jflif{s sfo{ of]hgf kfl/t

ug]{ tyf a}+ssf] afXo n]vfk/LIfssf] lgo'lQmsf] nflu a}+s ;+rfns ;ldlt dfkm{t\ ;fwf/0f ;efdf l;kmfl/; ug]{ sfo{ ub{5 . a+}ssf] cfGtl/s lgoGq0f k|0ffnLsf] ;ldIff ul/ ;f]sf] hfgsf/L

;+rfns ;ldltnfO{ lbPsf]Ù

cfGtl/s n]vfk/LIf0f k|ltj]bgdf p7]sf ljifox?sf] ;ldIff u/L Aoj:yfkgnfO{ ;f] ;'wf/ ug]{ lgb]{zg lbPsf]Ù

cfGt/Ls n]vfk/LIf0f of]hgf;FUf t'ngf ul/ cfGtl/s n]vfk/LIf0fn] u/]sf] sfo{;Dkfbgsf] ;ldIff u/]sf]Ù

n]vfk/LIf0f ;ldltsf] ;+zf]lwt sfd, st{Ao tyf clwsf/ sf] ;ldIff u/L ;f]sf] cg'df]bg u/]sf]Ù

n]vfk/LIf0f ljwLsf] kl/at{gsf] ;ldIff / cg'df]bgÙ

a+}ssf] n]vfk/LIf0f a8fkq (Audit Charter) sf] ;ldIff u/L ;f]df l:js[tL k|bfgÙ

hf]lvd d"Nof+sg / lgodgsf/L dfkb08sf] cfwf/df tof/ kfl/Psf] jflif{s n]vfk/LIf0f of]hgfsf] ;ldIff / ;f]dfly l:js[tL k|bfgÙ

n]vfk/LIf0f ljefusf] >f]t tyf ;+zfwgsf] l:ytL / ljsf; a[4Lsf] ;ldIffÙ

g]kfn /fi6« a+}ssf] jflif{s :ynut lg/LIf0f / afx\o n]vfk/LIfs -Statutory Auditor_ n] cf}NofPsf s}lkmot sf] ;ldIff / ;f] k|ltj]bgx?df p7]sf s}lkmot ;Daf]wg ug{sf nflu Aoj:yfkgnfO{ lgb{]zg k|bfgÙ

cfGtl/s n]vfk/LIf0f k|ltj]bgx?, afx\o n]vfkl/If0f k|ltj]bg / g]kfn /fi6« a+}ssf] lg/LIf0f k|ltj]bgn] p7fPsf n]vfk/LIf0f ;DalGwt ljifox?sf] cj:yfsf] ;ldIffÙ

;+rfns ;ldltdfkm{t afx\o n]vfk/LIfs (Statutory Auditor) sf] lgo'lSt / kfl/>lds lgwf{/0fsf nflu a+}ssf] jflif{s ;fwf/0f ;efdf l;kmfl/;Ù

q}dfl;s / jflif{s laQLo ljj/0fx?sf] ;ldIff, k|d'v lalQo ;"rsfÍx?sf] t'ngf / shf{ gf]S;fgL jfkt Aoj:yfsf] kof{KttfÙ

pRr hf]lvd, gofF hf]lvdsf ljifox? tyf tL] hf]lvdx?sf] Go'lgs/0fsf nflu pko'St Aoj:yfkg sfo{of]hgfaf/] ;ldIff / 5nkmnÙ lgodgsf/L ljsf;qmd, pn+3g / a+}ssf] cg'kfngfsf] cj:yf a'‰gsf nflu cg'kfngf ;DalGw cg'udg / k|ltj]bg (Compliance Monitoring Report) sf] ;ldIffÙ

jflif{s cg'kfngf ;DalGw of]hgfsf] ;ldIffÙ

a}+sdf ePsf] s'g} klg 7uL / gf]S;fgL ;DaGwL 36gfsf] ;ldIffÙ

a+}ssf] jflif{s ljQLo ljj/0fdf k"FhL ;+/rgf, k"FhL kof{Kttf, ;+efljt hf]lvd / hf]lvd Aoj:yfkg sfo{ nufot tLg vDaf (Pillar 3) ljj/0f dflysf] ;ldIffÙ

ljQLo ck/fw cg'kfngf k|ltj]bgsf] ;ldIff .

cfGt/Ls n]vf ljefu k|d'vsf] sfo{;Dkfbgsf] ;ldIff .

;~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 ;+u7Lt ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M gePsf] .

;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM ;+rfnsx?nfO{ s'g} klg kfl/>lds / ;'ljwf pknJw gu/fOPsf] . a}+ssf] lgodfjnL adf]lhd k|lt a}7s cWoIfnfO{ ?= @@,%)) / ;+rfnsnfO{ ?= !&,%)) sf b/n] a}7s eQf lbg] Aoj:yf /x]sf] .

tnsf] tflnsfn] cf=j= @)&@÷&# df ;DkGg ePsf ;+rfns ;ldltsf a}7sx? / e'QmfgL u/LPsf] eQf ljj/0f b]vfpF5 M

;+rfns ;ldltsf ;b:ox?

a}7ssf] ;+Vof !#!

e'QmfgL ePsf] eQf ?=

;'lgn sf}zn@

cWoIf# z"Go–kfl/>lds glnPsf]

cgGt gf/fo0f@

cWoIf# z"Go–kfl/>lds glnPsf]

cg'/fu cbnvf#

;+rfns!! z"Go–kfl/>lds glnPsf]

;'lht d'Gb'n;+rfns

!# @,@&,%)) -s/ ;lxt_

s[i0f s'df/ k|wfgAoj;flos ;+rfns

!# @,@&,%)) -s/ ;lxt_

cd[t s'df/L yfkf, ;j{;fwf/0f z]o/wgLsf tkm{sf ;+rfns$

!@ @,!),))) -s/ ;lxt_

hf];]km l;Nefg;, k|d'v sfo{sf/L clws[t tyf ;+rfns

!# z"Go– kfl/>lds glnPsf]

z+s/ nfn cu|jfn, ;j{;fwf/0f z]o/wgLsf tkm{sf ;+rfns$

! z"Go– kfl/>lds glnPsf]

! ;+rfns ;ldltsf] !# a}7s dWo] # a}7s ;s'{n]zgsf] dfWodaf6 ePsf] lyof] .@ cWoIf ;'lgn sf};nnfO{ ldlt !) kmfNu'0f @)&@ df cWoIf cgGt gf/fo0fn] k|lt:yfkg

ug'{ ePsf] .# ;+rfns ;ldltsf] !! a}7sdf pkl:yt x'g' ePsf] ;f] dWo] ^ a}7sdf lel8of]

sGkm]/]lG;Ësf] dfWodaf6 pkl:yt x'g' ePsf] . $ ;+rfns cd[t s'df/L yfkfnfO{ z+s/ nfn cu|jfnn] ldlt @! h]i7 @)&# df k|lt:yfkg

ug'{ ePsf] .

cfly{s aif{ @)&@÷&# df k|d'v sfo{sf/L clws[tnfO{ kfl/>lds, eQf / af]g; afkt ?= @!,@%*,*&$ -k|rlnt sfg'g cg';f/ ;f] df nfUg] s/ a}+sn] Aoxf]/]sf]_ e'QmfgL lbOPsf] . a}+sn] k|d'v sfo{sf/L clws[tnfO{ tn pNn]lvt ;'ljwf pknAw u/fPsf] M– af;:yfg ;jf/L ;fwg / rfns ;'/Iff uf8{ / ;xof]uL Dff]afOn / 6]lnkmf]g labf e|d0f eQf cf}ifwL pkrf/ vr{ aRrfsf] k9fO{ vr{ Sna vr{ kf6{g/ ;kf]6{

z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd Mcfiff9 d;fGt @)&# ;Dd z]o/wgLx?n] e'StfgL lng af+sL /x]sf]

nfef+z ?= !$),!%$,$!! /x]sf] 5 .

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

bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f M gePsf] .

sDkgL P]g, @)^# tyf k|rlnt sfg"gadf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f M gePsf]

cGo cfjZos s'/fx? M gePsf]

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ ul/Psf] :6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf] ljQLo ljj/0f

jf;nft#! cfiff9 @)&# sf] -!% h'nfO{ @)!^ sf]_

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

ut jif{?=

!= z]o/ k"FhL 4.1 3,749,901,333 2,810,201,500@= hu]8f tyf sf]ifx¿ 4.2 3,774,273,853 3,282,542,250#= C0fkq tyf a08 4.3 - - $= ltg{ afFsL shf{ ;fk6 4.4 500,000,000 -%= lgIf]k bfloTj 4.5 55,727,178,456 57,286,482,037^= e'QmfgL lbg'kg]{ ljnx¿ 4.6 310,183,573 177,086,075&= k|:tfljt nfef+z 49,340,807 431,883,592*= cfos/ bfloTj - - (= cGo bfloTj 4.7 1,074,854,457 1,070,848,625

s'n k"FhL tyf bfloTj 65,185,732,479 65,059,044,079

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

ut jif{?=

!= gub df}Hbft 4.8 799,366,056 785,636,090@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.9 1,514,671,384 9,308,116,260#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 4.1 1,658,294,743 1,478,689,578$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4.11 6,069,660,000 11,973,546,000%= nufgL 4.12 23,094,621,556 13,120,062,528^= shf{ ;fk6 tyf lan vl/b 4.13 31,302,949,596 27,681,313,256&= l:y/ ;DklQ 4.14 71,306,083 83,853,400*= u}/ a}lsË ;DklQ 4.15 - - (= cGo ;DklQ 4.16 674,863,061 627,826,967s'n ;DklQ 65,185,732,479 65,059,044,079

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

;~rfnsx¿sf] 3f]if0ff cg';"rL $=@(

kF"hLsf]if tflnsf cg';"rL $=#) -s !_

shf{ hf]lvd tflnsf cg';"rL $=#) -v_

shf{ hf]lvd 36fpg of]Uo lwtf]sf] tflnsf cg';"rL $=#) -u_

;+rfng hf]lvd tflnsf cg';"rL $=#) -3_

ahf/ hf]lvd tflnsf cg';"rL $=#) -ª_

k|d'v ;"rsfÍx¿ cg';"rL $=#!

k|d'v n]vf gLltx¿ cg';"rL $=#@

n]vf ;DaGwL l6Kk0fLx¿ cg';"rL $=##

$=! b]lv $=!& ;Ddsf cg';"rLx¿ jf;nftsf cleGg cË x'g\ .

gfkmf gf]S;fg lx;fa! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd -!& h'nfO{ @)!% b]lv !% h'nfO{ @)!^ ;Dd_

ljj/0f cg';"rLo; jif{

?=ut jif{

?=

!= Aofh cfDbfgL 4.18 2,415,582,668 2,571,011,989

@= Aofh vr{ 4.19 565,704,649 657,496,524

v'b Aofh cfDbfgL 1,849,878,019 1,913,515,465

#= sldzg tyf l8:sfpG6 4.20 357,519,713 362,963,897

$= cGo ;+rfng cfDbfgL 4.21 48,095,736 38,009,978

%= ;6xL 36a9 cfDbfgL 4.22 629,555,473 613,935,937

s'n ;+rfng cfDbfgL 2,885,048,940 2,928,425,277

^= sd{rf/L vr{ 4.23 484,135,635 468,277,976

&= cGo ;+rfng vr{ 4.24 438,913,878 420,973,157

*= ;6xL 36a9 gf]S;fg 4.22 - -

;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 1,961,999,428 2,039,174,144

(= ;Defljt gf]S;fgL Joj:yfx¿ 4.25 260,751,090 188,682,237

;+rfng d'gfkmf 1,701,248,338 1,850,491,907

!)= u}/ ;+rfng cfDbfgL÷vr{ 4.26 37,852,982 63,860,761

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 4.27 257,973,683 149,688,331

lgoldt sf/f]af/af6 ePsf] d'gfkmf 1,997,075,003 2,064,040,999

!@= c;fdfGo sf/f]af/x¿af6 ePsf] cfDbfgL÷vr{ 4.28 1,787,396 17,525,496

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 1,998,862,399 2,081,566,495

!#= sd{rf/L af]g; Joj:yf 181,714,764 187,099,491

!$= cfos/ Joj:yf 524,653,003 584,115,087

o; jif{sf] s/ Joj:yf 502,475,497 586,716,733

ut jif{;Ddsf] s/ Joj:yf 856,419 7,746,200

o; jif{sf] :yug s/ cfDbfgL÷vr{ 21,321,087 (10,347,846)

v'b gfkmf÷gf]S;fg 1,292,494,632 1,310,351,917

$=!* b]lv $=@* ;Ddsf cg';"rLx¿ gfkmf gf]S;fg lx;fasf cleGg cË x'g\ .

!= xfdLn]] :6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf] o;} ;fy ;+nUg @)&#÷#÷#! -!% h'nfO{ @)!^_ sf] jf;nft, ;f] ldltdf ;dfKt ePsf] cfly{s jif{sf] gfkmf gf]S;fg lx;fj, gfkmf gf]S;fg afF8kmfF8 lx;fa, gub k|jfx ljj/0f, OlSo'6Ldf ePsf] kl/jt{g / k|d'v n]vf gLltx? tyf n]vf ;DjGwL l6Kk0fLx?sf] n]vf k/LIf0f ;DkGg u/]sf 5f}+ . oL ljQLo ljj/0fx? Joj:yfkgåf/f g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ ul/Psf] 5 .

cfly{s ljj/0fx?k|lt Joj:yfkgsf] lhDd]jf/L @= g]kfn /fi6« a}+ssf] lgb]{zg cg'?k oyfy{ / plrt lrq0f ug]{

ljQLo ljj/0fx? tof/ Pj+ k|:t't ug]{ tyf Jo:yfkgnfO{ nfu]sf] plrt cfGt/Ls lgoGq0f k|0ffnLsf] th'{df h;n] hfn;fhL jf uNtLjf6 xf];, ;f/e"t lsl;dn] q'l6/lxt ljQLo ljj/0f tof/ ug]{{, n]vfgLltx?sf] 5gf}6 Pj+ kl/l:ylt cg';f/ n]vf;DjGwL dxTjk"0f{ cg'dfg Ufg]{ lhDd]jf/L Joj:yfkgdf /x]sf] 5 .

n]vfk/LIfssf] lhDd]jf/L #= n]vfk/LIf0fsf] cfwf/df ljQLo ljj/0fx? pk/ dGtJo

JoQm ug'{ xfd|f] bfloTj xf] . xfdLn] xfd|f] n]vfk/LIf0f g]kfn n]vfk/LIf0fdfg adf]lhd ;DkGg u/]sf 5f}+ . tL dfgn] xfdLnfO{ Jofj;flos g}ltstfsf] kfngf ug]{ tyf ljQLo ljj/0fx? ;f/e"t ?kdf q'l6/lxt ePsf] jf/]df dgfl;j cfZjf;g k|fKt ug{ n]vfk/LIf0fsf] of]hgf jgfpg / n]vfk/LIf0f ;DkGg ug{ clgjfo{ u/fpF5g\ .

n]vfk/LIf0f cGtu{t ljQLo ljj/0fdf pNn]lvt /sd / v'nf;fnfO{ k'li6 ug{] k|df0f k|fKt ug{ ;DkGg ul/g] sfo{ljlw ;+nUg x'G5 . o;/L 5gf}6 ul/Psf] sfo{ljlw rfx] hfn;fhL jf uNtLaf6 xf];, ;f/e"t ?kdf q'l6o'Qm k|:t'lt x'g ;Sg] hf]lvdsf] n]vfhf]vf ;lxt xfd|f] Jofj;flos lg0f{odf cfwf/Lt 5 . To;/L hf]lvdsf] n]vfhf]vf ug]{ qmddf, xfdLn] a+}ssf] cfGt/Ls lgoGq0fpk/ g} /fo JoQm ug]{ p2]Zon] ge}, kl/l:yltcg';f/ xfd|f] n]vf k/LIf0f sfo{ljlw tof/ ubf{, a+}sn] ljQLo ljj/0f tof/ Pj+ k|:t'lt ug]{ qmddf cjnDjg u/]sf cfGt/Ls lgoGq0f k|0ffnLsf] ljZn]if0f u/]sf 5f}+ . n]vfk/LIf0fdf Joj:yfkgåf/f k|of]udf NofOPsf n]vf l;4fGtx? Pj+ ul/Psf dxTjk"0f{ cg'dfgx?sf] pko'Qmtfsf] d"NofÍgsf ;fy} ;du| ljQLo ljj/0f k|:t'lt sf] n]vfhf]vf ;d]t ;dfj]z x'G5 .

xfd|f] n]vfkl/If0fn] xfd|f] dGtJonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+ .

dGtJo$= xfd|f] /fodf, ;+nUg ljQLo ljj/0fx?n] :6\of088{ rf6{8{ a}+s

g]kfn lnld6]8sf]] @)&# cfiff9 #! -!% h'nfO{ @)!^_ ut]sf] ljQLo l:ylt / ;f] ldltdf cGTo ePsf] cfly{s jif{sf] ;+rfng glthf / gub k|jfxsf] a}s tyf ljQLo ;+:yf ;DaGWfL P]g @)^# / g]kfn /fi6« a}+ssf] lgb]{zg cg";f/ oyfy{{ lrq0f ub{5 .

n]vf·gsf] cfwf/%= xfd|f] /fodf kl/dfh{g gul/, xfdL n]vfÍgsf] cfwf/ JofVof

ul/Psf n]vf ;DalGw gLltsf] k|s/0f $ df Wofgfs[i7 ug]{ rfxG5f]}+ . o; ljQLo ljj/0f g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ ul/Psf]n] ubf{ ljQLo ljj/0fx? cGo k|of]hgsf] lglDQ plrt gx'g klg ;Sb5 .

cGo sfg"gL tyf lgofds lgsfosf cfjZostf ;DalGw k|ltj]bg ^= xfdLåf/f ;DkGg ul/Psf] k/LIf0fsf] cfwf/df k|ltj]bg k]z

ub{5f}+ ls M -s_ xfdLn] n]vfk/LIf0f ;DkGg ug{ cfjZos 7fg]sf ;"rgf tyf

:ki6Ls/0fx? ;Dk"0f{ ?kdf kfPsf 5f+} .

-v_ of] k|ltj]bg;Fu ;DjlGwt ;+nUg jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg AffF8kmfF8 lx;fa, OlSo'6Ldf ePsf] kl/jt{g / gub k|jfx ljj/0f / ;+nUg cg';"lrx? g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ ul/g'sf ;fy} sDkgLn] /fv]sf] lx;fa lstfa, jxLvftf >]:tf / n]vf;Fu b'?:t /x]sf 5g\ .

-u_ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ a}+sn] Jofh cfDbfgL lx;fa gub k|fKtLsf] cfwf/df n]vfÍg u/]sf] 5 .

-3_ xfdLn] a}+ssf] >]:tf n]vf kl/If0fsf] ;dodf, a+}ssf] ;+rfns ;ldlt jf To;sf ;b:o jf s'g} k|ltlglw jf s'g} kbflwsf/L jf s'g} sd{rf/Ln] k|rlnt sfg"g ljkl/t s'g} sfo{ u/]sf] jf a+}ssf] ;DklQ lxgfldgf u/]sf] jf a}+ssf] xfgL gf]S;fgL u/] u/fPsf] xfd|f] hfgsf/Ldf cfPg .

-ª_ a}+sn] u/]sf] sfo{ cfkm\gf] sfo{If]q leq /x]sf] kfOof] .

-r_ xfd|f] /fodf xfdLn] n]vfk/LIf0f u/]sf >]:tfx?sf] cfwf/df a}+sn] g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd kof{Kt k"FhLsf]if /fv]sf] tyf ;DklQdf ;Defljt gf]S;fgLsf] nflu kof{Kt Joj:yf u/]sf] 5 .

-5_ a+}sn] cf=j= @)&@÷)&# df ?= @%,^&,((^ sf] shf{ ckn]vg u/]sf] 5 .

-h_ a}+sn] g]kfn /fi6« a}sn] lbPsf] lgb]{zg cg'?k sfo{ u/]sf] 5 .

-em_ a}+sn] lgIf]kstf{ tyf nufgLstf{x?sf] lxt ;+/If0f lj?4 sfo{ u/]sf] b]lvPg .

-`_ a}+ssf] s]lGb|s[t sf]/ n]vfk|0ffnL /x]sf]n] zfvfx?af6 k|fKt ljj/0fx? xfd|f] n]vfk/LIf0fsf] nflu kof{Kt lyP, /

-6_ a}+sdf n]vf ;DjGwL s'g} hfn;fhL ePsf], a}+ssf] >]:tf / n]vf kl/If0faf6 xfd|f] hfgsf/Ldf cfPg .

cGo dldnf&= :6\of088{ rf6{8{ a}+s g]kfn lnld6]8n] g]kfn ljQLo ljj/0f

k|ltj]bgdfg -Pg=Pkm=cf/=P;_ adf]lhd ldlt @)&#÷#÷#! -!% h'nfO{ @)!^_ sf] 5'§} ljQLo ljj/0f tof/ u/]sf] 5 h;df xfdLn] ldlt @)&#÷)&÷)# df :6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf z]o/wlgx?nfO{ 5'§} n]vfkl/If0f k|ltj]bg k]z u/]sf 5f}+ .

ldltM @)&#÷)&÷)# :yfgM sf7df08f}

l;P= efis/ l;Fx nfnf;fem]bf/

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ ul/Psf] :6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf] ljQLo ljj/0f

pk/ :jtGq n]vfk/LIfssf] k|ltj]bg

g]kfn ljQLo ljj/0f k|ltj]bg dfg -Pg=Pkm=cf/=P;_ cg'?ksf] ljQLo ljj/0f

cfly{s l:yltsf] ljj/0f#! cfiff9 @)&# sf] -!% h'nfO{ @)!^ sf]_

?= xhf/df

;DkQLx? cg';"rL #! cfiff9 @)&#k'g:yf{lkt k'g:yf{lkt

#! cfiff9 @)&@ #! cfiff9 @)&!

gub 4.1 799,366 785,636 613,768

g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.2 1,514,672 9,308,116 6,862,452

6«]h/L ljnx? 4.3 7,021,722 5,416,236 1,983,923

;/sf/L C0fkq 4.4 2,789,622 363,006 366,585

cGo a}+s df}Hbft 4.5 1,658,294 1,478,690 1,712,084

a}+sx?nfO{ shf{ tyf ;fk6L 4.6 18,950,461 19,122,616 14,961,835

u|fxsx?nfO{ shf{ tyf ;fk6L 4.7 31,469,116 27,815,970 26,112,494

lwtf]kqx?df nufgL 4.8 402,478 191,810 225,022

cGo ;DkQL 4.9 700,295 635,750 759,997

h]yf, d]zLg/L tyf pks/0f 7 71,306 83,853 68,726

:yug s/ ;DkQL ÷-bfloTj_ 12.4 (28,906) 5,505 (2,222)

s'n ;DkQL 65,348,426 65,207,189 53,664,663

bfloTj tyf k"FhL

bfloTj

a}sx?af6 lgIf]k 4.10 173,971 147,614 94,624

u|fxsx?af6 lgIf]k 4.11 55,553,208 57,138,869 46,203,908

e'QmfgL lbg'kg]{ ljnx? 4.12 310,184 177,085 67,440

ltg{ afFsL shf{ ;fk6 4.13 500,000 - -

cGo bfloTj 4.14 1,060,383 988,065 948,119

cjsfz e'QmfgL bfloTj -v'b_ 8.2 14,471 82,783 75,261

s'n bfloTj 57,612,217 58,534,416 47,389,351

k"FhL

z]o/ k"FhL 10 2,812,426 2,248,161 2,041,672

hu]8f 11 4,923,783 4,424,612 4,233,640

s'n z]o/wgLsf] k"FhL 7,736,209 6,672,773 6,275,312

hDdf k"FhL 7,736,209 6,672,773 6,275,312

s'n bfloTj tyf k"FhL 65,348,426 65,207,189 53,664,663

gfkmf jf gf]S;fg lx;fj ljj/0f! >fj0f @)&@ b]lv #! cfiff9 @)&# ;Dd -!& h'nfO{ @)!% b]lv !% h'nfO{ @)!^ ;Dd_

cg';"rL

k'g:yf{lkt

@)&@–&#?= xhf/df

@)&!–&@?= xhf/df

Jofh cfDbfgL 6.1 2,440,004 2,593,579

Jofh vr{ 6.2 (565,705) (661,075)

v'b Jofh cfDbfgL 1,874,299 1,932,504

z'Ns tyf sldzg cfDbfgL 6.3 311,312 308,411

v'b Jofkfl/s cfDbfgL (Net trading income) 6.4 629,555 613,936

cGo ;+rfng cfDbfgL 6.5 85,948 101,870

u}/–Jofh cfDbfgL 1,026,815 1,024,217

;+rfng cfDbfgL 2,901,114 2,956,721

sd{rf/L vr{ 8.1 (681,811) (670,750)

ejg ;DaGwL vr{ (Premises costs) 15 (137,077) (143,510)

;fdfGo k|zf;lgs vr{ (General administrative expenses) 16 (281,374) (262,221)

x|f; vr{ 7, 17 (20,463) (15,242)

;+rfng vr{ (Operating expenses) (1,120,724) (1,091,723)

s/ tyf gf]S;fgL Joj:yf k"j{sf] ;+rfng d'gfkmf 1,780,390 1,864,998

u|fxsx?nfO{ shf{ tyf ;fk6Ldf gf]S;fgL Joj:yf 5 (40,129) (33,919)

u|fxsx?nfO{ shf{ tyf ;fk6Ldf gf]S;fgL Joj:yfaf6 lkmtf{ 5 17,008 78,350

cGo gf]S;fgL Joj:yf - 43,108 (48,261)

cGo 18 1,787 17,525

s/ cl3sf] d'gfkmf 1,802,164 1,878,693

s/ -

cfos/ 12.1 (503,332) (594,462)

:yug s/ cfDbfgL÷-vr{_ 12.4 (34,148) 8,357

jif{sf] d'gfkmf 1,264,684 1,292,588

d'gfkmfsf] pknAwtf (Profit attributable to):

;fwf/0f z]o/wgLx? 1,264,684 1,292,588

jif{sf] d'gfkmf 1,264,684 1,292,588

k|lt z]o/ cfDbfgL M

cfwf/e"t k|lt ;fwf/0f z]o/ cfDbfgL ? (Basic earnings per ordinary share)

19 54.68 59.63

ldl>t k|lt ;fwf/0f z]o/ cfDbfgL ? (Diluted earnings per ordinary share)

19 54.68 59.63

!= xfdLn]] :6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf] o;} ;fy ;+nUg @)&#÷#÷#! -!% h'nfO{ @)!^_ sf] cfly{s l:yltsf] ljj/0f, ;f] ldltdf ;dfKt ePsf] cfly{s jif{sf] gfkmf jf gf]S;fg lx;fj, cGo ;dli6ut cfDbfgL lx;fa ljj/0f, gub k|jfx ljj/0f, OlSo'6Ldf ePsf] kl/jt{g / k|d'v n]vf gLltx? tyf n]vf ;DjGwL l6Kk0fLx?sf] n]vf k/LIf0f ;DkGg u/]sf 5f}+ .

cfly{s ljj/0fx?k|lt Joj:yfkgsf] lhDd]jf/L @= g]kfn ljQLo ljj/0f k|ltj]bg dfg -Pg=Pkm=cf/=P;_

cg'?k oyfy{ / plrt lrq0f ug]{ ljQLo ljj/0fx? tof/ Pj+ k|:t't ug]{ lhDd]jf/L Joj:yfkgdf /x]sf] 5 . oL lhDd]jf/L cGtu{t rfx] hfn;fhL jf uNtLjf6 xf];, ;f/e"t lsl;dn] q'l6/lxt ljQLo ljj/0f tof/ ug]{ ;DjGwL cfGt/Ls lgoGq0f k|0ffnLsf] th'{df, sfof{Gjog / ;+rfng ug]{ sfo{, n]vf gLltx?sf] 5gf}6 tyf nfu" ug]{ Pj+ kl/l:ylt cg';f/ n]vf;DjGwL dxTjk"0f{ cg'dfg Ufg]{ kb{5g\ .

n]vfk/LIfssf] lhDd]jf/L #= n]vfk/LIf0fsf] cfwf/df ljQLo ljj/0fx? pk/ dGtJo

JoQm ug'{ xfd|f] bfloTj xf] . xfdLn] xfd|f] n]vfk/LIf0f g]kfn n]vfk/LIf0fdfg adf]lhd ;DkGg u/]sf 5f}+ . tL dfgn] xfdLnfO{ Jofj;flos g}ltstfsf] kfngf ug]{ tyf ljQLo ljj/0fx? ;f/e"t ?kdf q'l6/lxt ePsf] jf/]df dgfl;j cfZjf;g k|fKt ug{, n]vfk/LIf0fsf] of]hgf jgfpg / n]vfk/LIf0f ;DkGg ug{ clgjfo{ u/fpF5g\ .

n]vfk/LIf0f cGtu{t ljQLo ljj/0fdf pNn]lvt /sd / v'nf;fnfO{ k'li6 ug{] k|df0f k|fKt ug{ ;DkGg ul/g] sfo{ljlw ;+nUg x'G5 . o;/L 5gf}6 ul/Psf] sfo{ljlw rfx] hfn;fhL jf uNtLaf6 xf];, ;f/e"t ?kdf q'l6o'Qm k|:t'lt x'g ;Sg] hf]lvdsf] n]vfhf]vf ;lxt xfd|f] Jofj;flos lg0f{odf cfwf/Lt 5 . To;/L hf]lvdsf] n]vfhf]vf ug]{ qmddf, xfdLn] a+}ssf] cfGt/Ls lgoGq0fpk/ g} /fo JoQm ug]{ p2]Zon] ge}, kl/l:yltcg';f/ xfd|f] n]vf k/LIf0f sfo{ljlw tof/ ubf{, a+}sn] ljQLo ljj/0f tof/ Pj+ k|:t'lt ug]{ qmddf cjnDjg u/]sf cfGt/Ls lgoGq0f k|0ffnLsf] ljZn]if0f u/]sf 5f}+ . n]vfk/LIf0fdf Joj:yfkgåf/f k|of]udf NofOPsf n]vf l;4fGtx? Pj+

ul/Psf dxTjk"0f{ cg'dfgx?sf] pko'Qmtfsf] d"NofÍgsf ;fy} ;du| ljQLo ljj/0f k|:t'ltsf] n]vfhf]vf ;d]t ;dfj]z x'G5 .

xfd|f] n]vfkl/If0fn] xfd|f] dGtJonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+ .

dGtJo$= xfd|f] /fodf, ;+nUg ljQLo ljj/0fx?n] :6\of088{ rf6{8{

a}+s g]kfn lnld6]8sf]] @)&# cfiff9 #! -!% h'nfO{ @)!^_ ut]sf] ljQLo l:ylt / ;f] ldltdf cGTo ePsf] cfly{s jif{sf] ;+rfng glthf / gub k|jfxsf] g]kfn ljQLo ljj/0f k|ltj]bg dfg / sDkgL P]g @)^# cg';f/ oyfy{{ lrq0f ub{5 .

cGo sfg"gL tyf lgofds lgsfosf cfjZostf ;DalGw k|ltj]bg %= xfdLåf/f ;DkGg ul/Psf] k/LIf0fsf] cfwf/df k|ltj]bg

k]z ub{5f}+ ls M -s_ xfdLn] n]vfk/LIf0f ;DkGg ug{ cfjZos 7fg]sf ;"rgf

tyf :ki6Ls/0fx? ;Dk"0f{ ?kdf kfPsf 5f} .

-v_ sDkgLn] /fv]sf] lx;fa lstfa, jxLvftf >]:tf / n]vf ;Fu b'?:t /x]sf 5g\ .

-u_ xfd|f] /fodf, a}+ssf] lx;fj lstfa P]g adf]lhd 7Ls ;Fu /flvPsf] 5 .

-3_ xfdLn] a}+ssf] >]:tf n]vf kl/If0fsf] ;dodf, a}+ssf] ;+rfns ;ldlt jf To;sf ;b:o jf s'g} k|ltlglw jf s'g} kbflwsf/L jf s'g} sd{rf/Ln] k|rlnt sfg"g ljkl/t s'g} sfo{ u/]sf] jf a+}ssf] ;DklQ lxgfldgf u/]sf] jf a}+ssf] xfgL gf]S;fgL u/] u/fPsf] xfd|f] hfgsf/Ldf cfPg .

-ª_ a}+sn] u/]sf] sfo{ cfkm\gf] sfo{If]q leq /x]sf] kfOof] .

-r_ a}+sn] lgIf]kstf{ tyf nufgLstf{x?sf] lxt ;+/If0f lj?4 sfo{ u/]sf] b]lvPg .

-5_ a}+ssf] s]lGb|s[t sf]/ n]vfk|0ffnL /x]sf]n] zfvfx?af6 k|fKt ljj/0fx? xfd|f] n]vfk/LIf0fsf] nflu kof{Kt lyP, /

-h_ a}+sdf n]vf ;DjGwL s'g} hfn;fhL ePsf], a}+ssf] >]:tf / n]vf kl/If0faf6 xfd|f] hfgsf/Ldf cfPg .

ldltM @)&#÷)&÷)# :yfgM sf7df08f}

l;P= efis/ l;Fx nfnf ;fem]bf/

:6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf] z]o/wgL dxfg'efjx? ;dIf :jtGq n]vfk/LIfssf] k|ltj]bg

g]kfn /fi6« a}+ssf] cg'dlt / lgb]{zg

txfFaf6 k]z u/LPsf] ljQLo ljj/0f tyf cGo sfuhftsf cfwf/df a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf $^ sf] pkbkmf -!_ sf k|fjwfgx? Kffngf u/]sf] b]lvPsf] x'Fbf, P]= P]gsf] pkbkmf -@_ adf]lhd k|:tfljt ?= $,(#,$),*)& -r'tmf k"FhLsf] !=&% k|ltzt_ gub nfef+z / ?= (#,&$,&%,### -r'tmf k"FhLsf] ##=## k|ltzt_ a/fa/sf] jf]g; z]o/ cf=j= @)&@÷&# sf] jflif{s ;fwf/0f ;efaf6 :jLs[t ePsf] cj:yfdf dfq} ljt/0f ug{ :jLs[ltsf ;fy} cf=j= @)&@÷&# sf] jflif{s lx;fa jflif{s ;fwf/0f ;efdf :jLs[ltsf] nflu k]z ug]{ k|of]hgfy{ b]xfosf] lgb]{zg ;lxt ;fj{hlgs ug{ dfq ;xdlt k|bfg ul/Psf] Joxf]/f lg0f{ofg';f/ cg'/f]w ub{5' .

!= a}+sn] r'Qmf k"FhL j[l4 ug]{ k|of]hgsf nflu Further Public Offering k|:tfj u/]sf]df lwtf]kqsf] yk ;fj{hlgs lgisfzg ug{ lwtf]kq P]g, @)^# tyf lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] kl/kfngf / z]o/ ;+/rgf cg'?k ;+rfns ;ldltsf] ;+/rgf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] Joj:yf cg'?k x'g] Joj:yf ldnfpg' x'g .

@= n]vfk/LIfsn] cf}NofPsf b]xfosf s}lkmotx? ;lxt k|ltj]bgdf pNn]v ul/Psf cGo s}lkmotx? ;'wf/ ug{ tyf To:tf s}lkmotx? k'gM bf]xf]/Lg glbg] Joj:yf ldnfpg' x'g .

:6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf]tL;f}+ jflif{s ;fwf/0f ;efsf] 5nkmnsf ljifo–;"rL g+ -%_, -^_ / -&_

;“u ;DalGwt k|aGw–kq ;+zf]wg k|:tfj

qm=;+= xfnsf] Aoj:yf ;+zf]lwt Aoj:yf ;+zf]wg ug'{ k/]sf] sf/0f

!= bkmf %-s_M a}+ssf] clws[t k"FhL ¿= $,))),))),))) -cIf/]kL rf/ ca{ ?k}ofF_ x'g]5 . pQm k"FhLnfO{ ¿= !))÷– sf b/n] $),))),))) -rf/ s/f]8_ ;fwf/0f z]o/df ljeflht ul/Psf] 5

bkmf %-s_M a}+ssf] clws[t k"FhL ¿= *,))),))),))) -cIf/]kL cf7 ca{ ?k}ofF_ x'g]5 . pQm k"FhLnfO{ ¿= !))÷– sf b/n] *),))),))) -cf7 s/f]8_ ;fwf/0f z]o/df ljeflht ul/Psf] 5 .

a}+ssf] r'Qmf k"FhL * ca{ k'¥ofpg g]kfn /fi6« a}+saf6 lgb]{zg hf/L eP cg'?k clws[t k"FhL a9fpg cfjZos ePsf] x'Fbf .

@= bkmf %-v_M a}+ssf] hf/L k"FhL ¿= @,*!,@$,@^,))) -cIf?kL b'O{ ca{ Psf;L s/f]8 rf}la; nfv 5lAa; xhf/ ?k}ofF dfq_ x'g]5 .

bkmf %-v_M a}+ssf] hf/L k"FhL ¿= #,&$,((,)!,### -cIf/]kL tLg ca{ rf}xQ/ s/f]8 pgfG;o nfv Ps xhf/ ltg ;o t]lQ; ?k}ofF_ x'g]5 .

k|:tfljt af]g; z]o/nfO{ k"FhLs/0f u/L hf/L k"FhL j[l4 ug{ cfjZos ePsf]n] .

#= bkmf %-u_M a}+ssf] r'Qmf k"FhL ¿= @,*!,@$,@^,))) -cIf?kL b'O{ ca{ Psf;L s/f]8 rf}la; nfv 5lAa; xhf/ ?k}ofF dfq_ x'g]5 .

bkmf %-u_M a}+ssf] r'Qmf k"FhL ¿= #,&$,((,)!,### -cIf/]kL tLg ca{ rf}xQ/ s/f]8 pgfG;o nfv Ps xhf/ ltg ;o t]lQ; ?k}ofF_ x'g]5 .

k|:tfljt af]g; z]o/nfO{ k"FhLs/0f ubf{ j[l4 x'g] r'Qmf k"FhL ldnfg ug{ cfjZos ePsf]n] .

:6\of088{ rf6{8{ a}+s g]kfn lnld6]8sf]]tL;f}+ jflif{s ;fwf/0f ;efsf] 5nkmnsf ljifo–;"rL g+ -&_ ;“u ;DalGwt

lgodfjnL ;+zf]wg k|:tfj

qm=;+= xfnsf] Aoj:yf ;+zf]lwt Aoj:yf ;+zf]wg ug'{ k/]sf] sf/0f

!= lgod @(= ljleGg ju{sf z]o/ hf/L ug]{ eP ;f] s'/f pNn]v ug]{M ljleGg ju{sf z]o/ hf/L ug]{ ljifosf ;DaGwdf lgod @# adf]lhd x'g]5 .

lgod @(= k"FhL a[l4 ug{ a}+sn] gofF lgisfzg -kmb{/ klJns O:o"_ ug{ ;Sg]5 .

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd r'Qmf k"FhL * ca{{ k'¥ofpg gofF lgisfzg -kmb{/ klJns O:o"_ dfkm{t ;j{;fwf/0fdf z]o/ laqmL ug{ cfjZos ePsf]n] .

@= lgod #!-#_ ;+rfns ;ldltn] ;+rfns ;ldlt cGt{ut /xg] cGo s'g} pk–;ldlt u7g u/]df pQm ;ldltdf pkl:yt eP jfkt ;b:on] kfpg] k|lt a}7s eQf ?= %,))) x'g]5 tyf cWoIfn] kfpg] k|lt a}7s eQf ?= &,%)) x'g]5 .

b|i6Jo M dfly pklgod # sf] Joj:yf pk–;ldltdf /xg] a}+ssf sd{rf/Lsf xsdf nfu' x'g] 5}g .

lgod #!-#_= ;+rfns ;ldltn] ;+rfns ;ldlt cGt{ut /xg] cGo s'g} pk–;ldlt u7g u/]df pQm ;ldltdf pkl:yt eP jfkt ;b:on] kfpg] k|lt a}7s eQf ?= !@,%)) x'g]5 tyf cWoIfn] kfpg] k|lt a}7s eQf ?= !%,))) x'g]5 .

b|i6Jo M dfly pklgod # sf] Joj:yf pk–;ldltdf /xg] a}+ssf sd{rf/Lsf xsdf nfu' x'g] 5}g .

pk–;ldltsf cWoIf tyf ;b:onfO{ k|bfg u/Lb} cfPsf] a}7s eQfnfO{ k'g/fjnf]sg u/L ;do ;fk]If ;+;f]wg ug{ cfjZos b]lvPsf]n] .