Sample - Nepal Stock Exchange · 2018-06-01 · 19 ANNUAL REPORT th!( cf}+ jflif{s k|ltj]bg cfly{s jif{ @)&# ÷ @)&$ 5 df5fk'R5«] a}+s lnld6]8 sf] pGgfO{;f}+ aflif{s ;fwf/0f ;ef

19 ANNUAL REPORT

th !( cf}+ jflif{s k|ltj]bgcfly{s jif{ @)&# ÷ @)&$

1

df5fk'R5«] a}+s lnld6]8k|j]z–kq

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

z]o/wgL kl/ro -lxtu|fxL_ gDa/ M ==================================================

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

z]o/wgLsf] b:tvt M ====================================================================

-ldlt @)&$ ;fn d+;L/ !% ut] z'qmaf/sf lbg x'g] df5fk'R5«] a}+s lnld6]8sf] pGgfO{;f}+ aflif{s ;fwf/0f ;efdf pkl:yt x'g

hf/L ul/Psf] k|j]z kq_

b|i6Ao M !_ z]o/wgL 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 .

k|f]S;L kmf/fd>L ;~rfns ;ldlt,df5fk'R5«] a}+s lnld6]8,

kf]v/f, sf:sL .ljifo M k|ltlglw -k|f]S;L_ lgo'Qm u/]sf] af/] .

dxfzo,

====================== lhNnf ==================================== g=kf=÷uf=kf=, j8f g+= ========= a:g] d÷xfdL ================================

= =========== n] To; a}+ssf] z]o/wgLsf] x}l;otn] ;+jt\ @)&$ ;fn d+l;/ !% ut] z'qmaf/sf lbg x'g] pGgfO{;f}+ aflif{s ;fwf/0f

;efdf d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng

tyf dtbfg ug{sf nflu ========================== lhNnf ===================================== g=kf=÷uf=kf=, j8f g+= ======= a:g] To; a}+ssf

z]o/wgL >L ======================================================================= nfO{ d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷k7fPsf 5f}+ .

=======================l6sf e§/fO{sDkgL ;lrj

k|f]S;L lng]n] eg]{

k|ltlglw lgo'Qm ePsf] JolQmsf] M

x:tfIf/sf] gd'gfM

gfdM

kl/ro -z]o/wgL÷lxtu|fxL_ g+=

z]o/ k|df0fkq g+=M

z]o/ ;+VofM

ldltM

gf]6 M of] lgj]bg ;fwf/0f ;ef x'g'eGbf slDtdf $* 306f cufj} a}+ssf] k|wfg sfof{no, kf]v/f jf a}+ssf] z]o/ zfvf, k'tnL;8sdf k]z u/L ;Sg' kg]{5 .

k|f]S;L lbg]n] eg]{

lgj]bs M

b:tvtM

gfdM

7]ufgfM

kl/ro -z]o/wgL÷lxtu|fxL_ g+=

z]o/ k|df0fkq g+=M

z]o/ ;+VofM

ldltM

19 ANNUAL REPORT


2

19 ANNUAL REPORT


3

!= k|j]z kq÷k|f]S;L kmf/fd ============================================================================================================ !

@= ;fwf/0f ;ef ;DaGwL ;"rgf ====================================================================================================== %

#= ;fwf/0f ;ef ;DaGwL yk hfgsf/Lx¿ ======================================================================================== ^

$= ;+rfns ;ldltsf] k|ltj]bg ======================================================================================================= &

%= lwtf]kq btf{ tyf lgisfzg lgodfjnL @)&# sf] lgod @^ sf] pklgod -@_ ;+u ;Dj4 yk ljj/0fx¿ =!^

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

&= n]vf k/LIfssf] k|ltj]bg ========================================================================================================= @!

*= jf;nft ================================================================================================================================@#

(= gfkmf–gf]S;fg lx;fa ==============================================================================================================@$

!)= gfkmf gf]S;fg afF8kmfF8 lx;fj ================================================================================================= @%

!!= gub k|jfx ljj/0f ================================================================================================================= @^

!@= OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f =================================================================================== @&

!#= cg';"rLx¿ ===========================================================================================================================@*

!$= k|d'v n]vf gLltx¿ ================================================================================================================^$

!%= n]vf ;DaGwL l6Kk0fL ============================================================================================================== ^*

!^= Disclosure under Basel III ================================================================================================= &%!&= g]kfn /fi6« a}+saf6 k|fKt ljQLo ljj/0f k|sfzgsf] :jLs[lt / k|fKt lgb]{zgx¿ ==================================*@

!*= k|aGw–kq tyf lgojdfnL ;+zf]wg ljj/0f ================================================================================== *#

!(= zfvf sfof{nox¿ ==================================================================================================================*%

@)= ljefuLo k|d'vx¿ ==================================================================================================================*^

@!= l6kf]6x¿ =============================================================================================================================*&

ljifo ;"rL

19 ANNUAL REPORT


4

ljQLo emnsx¿ ¿ ca{df

¿ ca{df

¿ s/f]8df

¿ ca{df

¿ s/f]8df

¿ s/f]8df

19 ANNUAL REPORT


5

df5fk'R5«] a}+s lnld6]8sf]

pGgfO{;f}+ aflif{s ;fwf/0f ;ef a:g] ;DaGwL ;"rgfo; a}+ssf] ldlt @)&$÷)&÷@@ df a;]sf] ;+rfns ;ldltsf] #^)cf}+ a}7ssf] lg0f{ofg';f/ o; a}+ssf] pGgfO{;f}+ aflif{s ;fwf/0f ;ef b]xfosf laifox?df 5nkmn tyf lg0f{o ug{sf nflu lgDg lnlvt ldlt, ;do / :yfgdf a:g] ePsf] x'Fbf sDkgL P]g @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/L tyf pkl:yltsf nflu cg'/f]w ub{5' .

;ef x'g] ldlt, ;do / :yfg M;ef x'g] ldlt M @)&$ ;fn d+l;/ !% ut] -tbg';f/ ! l8;]Da/, @)!&_, z'qmaf/ .;ef z'? x'g] ;do M ljxfg !!M)) ah] .:yfg M xf]6n kf]v/f u|f08, kflb{, kf]v/f, sf:sL .

5nkmnsf ljifox¿ Ms= ;fdfGo k|:tfa M!= cfly{s jif{ @)&#÷&$ sf] ;+rfns ;ldltsf] jflif{s k|ltj]bg pk/ 5nkmn u/L kfl/t ug]{,@= n]vfk/LIfssf] k|ltj]bg ;lxt @)&$ cfiff9 d;fGtsf] jf;nft tyf cfly{s jif{ @)&#÷&$ sf] gfkmf gf]S;fg lx;fa / ;f]xL

cjlwsf] gfkmf gf]S;fg afF8kmfF8 tyf gub k|jfx ljj/0f nufot ;Dk"0f{ ljQLo ljj/0fx? kfl/t ug,#= cfly{s jif{ @)&$÷&% sf] nflu n]vfk/LIfs lgo'QmL ug]{ / lghsf] kfl/>lds lgwf{/0f ug]{ . -jt{dfg n]vfk/LIfs l6=cf/=

pkfWof P08 sDkgL nuftf/ tLg k6s a}+ssf] n]vf k/LIfs /xg' ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf !!!-#_ tyf a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)&# sf] bkmf ^#-@_ adf]lhd k'gM lgo'Qm x'g ;Sg] 5}g_ /

$= ;+rfns ;ldltn] k|:tfj u/] adf]lhd ?= $$,#$,#@,^$)=)) -cyf{t r'Qmf k"FhLsf] ^=)) k|ltztsf b/n]_ gub nfef+z -af]g; z]o/ tyf nfef+z nfUg] s/ ;lxt_ k|bfg ug{ :jLs[t ug]{ .

v= ljz]if k|:tfj M!= a}+ssf] ;~rfns ;ldltn] k|:tfj u/] cg';f/ z]o/wgLx?nfO{ ?= ^^,%!,$(,)))=)) -cyf{t r'Qmf k"FhLsf] (=)) k|ltztsf b/n]_

jf]g; z]o/ ljt/0f ug{ :jLs[t ug,@= a}+sn] cfly{s jif{ @)&#÷&$ df cfly{s ;xfotf k|bfg ubf{ sDkgL P]g, @)^# sf] bkmf !)% sf] pkbkmf ! sf] v08 -u_ n] tf]s]sf]

l;df gf3]sf] x'Fbf ;f] cGtu{t ePsf] vr{ ?= !!,^(,$#&=$( cg'df]bg ug]{,#= lgDg ljifox?sf ;DaGwdf k|aGwkq tyf lgodfjnL ;+zf]wg k|:tfj kfl/t ug]{ / pQm ;+zf]wgdf lgodgsf/L lgsfo -h:t}M sDkgL

/lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{ cflb_ n] ;+zf]wg, kl/jt{g jf yk÷36 ug{ ;'emfj jf lgb]{zg lbPdf ;f] cg';f/ cfjZos ;+zf]wg, kl/jt{g jf yk÷36 ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .-s_ ljz]if k|:tfj g+= ! adf]lhd hf/L ul/g] af]g; z]o/sf] xb;Dd hf/L k"FhL tyf r'Qmf k"FhL a[l4 ug]{,-v_ a}+ssf] p2]Zo k|fKt ug{ ul/g] sfdx?df k|rlnt sfg"gsf] clwgdf /xL cfjZostf cg';f/ lgodgsf/L lgsfosf]

:jLs[lt lnO{ a}+sn] cfkm}+ jf s'g} :jb]zL jf ljb]zL kmd{, sDkgL, ;+3 ;+:yf;+u ;+o'Qm nufgLdf jf ;~rfngdf /x]sf] s'g} sDkgLsf] k"/} jf cf+lzs z]o/ vl/b u/L jf ;xfos sDkgL :yfkgf u/L hLjg aLdf, lglh{jg aLdf, k'gaL{df, e]~r/ Soflk6n÷k|fO{e]6 O{lSj6L÷x]h km08, qm]l86 /]l6Ë, lwtf]kq bnfn -:6s a|f]s/_, lwtf]kq ahf/ -:6s PS:r]~h_, dr]{06 a}+lsË, ljlQo k|ljlw -lkmG6]s_ ;DaGwL ;]jf nufotsf sfo{x? ug]{ Joj:yf yk ug]{,

-u_ a}+s tyf cGo k|lti7fgx?sf sfdbf/÷sd{rf/Lx?sf] sNof0f / lxt tyf ;f] ;DaGwL sfdsf] nflu ;+ro sf]if, pkbfg sf]if, lgj[lQe/0f sf]if / cGo cfjZos jf pko'Qm sf]ifx?sf] :yfkgf tyf Joj:yfkg ug]{ . ;fy} To:tf] sf]ifsf] Joj:yfsf nflu cfjZos ;xhtf k|bfg ug]{,

-3_ ;~rfns ;ldltsf cWoIf tyf ;~rfns nuftf/ b'O{ k6seGbf a9L pQm kbdf lgjf{lrt, dgf]lgt jf lgo'Qm x'g g;Sg] Joj:yfnfO{ ;+zf]wg u/L a}+ssf] sfo{sf/L cWoIf jf k|aGw ;+rfns nuftf/ b'O{ sfo{sfn ;Dd dfq /xg ;Sg] Joj:yf sfod ug]{ .

u= laljw M

;+rfns ;ldltsf] cf1fn] sDkgL ;lrj

19 ANNUAL REPORT


6

;fwf/0f ;ef ;DaGwL yk hfgsf/Lx? M

!_ jflif{s ;fwf/0f ;ef k|of]hgsf nflu a}+ssf] z]o/ bflvn vf/]hsf] sfd ldlt @)&$ d+l;/ ! ut]b]lv ldlt @)&$ d+l;/ !% ut] ;Dd aGb /xg] 5 . g]kfn :6s PS:r]Gh lnld6]8df ldlt @)&$ d+l;/ ! ut]eGbf cufl8 sf/f]jf/ eO{ ;f]sf] & sfo{lbg leq o; a}+ssf] z]o/ zfvf, k'tnL;8s, sf7df8f}+df k|fKt ljj/0fsf] cfwf/df tyf lxtu|fxL vftfdf sfod ePsf z]o/wgLx?n] dfq ;f] ;efdf efu lng, dtbfg ug{ / cf=j= @)&#÷&$ sf] af]gz z]o/ tyf gub nfef+z lng] kfpg] 5g\ . g]kfn :6s PS:r]~hdf sf/f]af/ eO{ lwtf]kq Joj;foL -;b:o bnfn_ sf] Pool Account df /x]sf] z]o/sf cfwf/df z]o/wgL sfod gx'g] ePsfn] pNn]lvt ldlt leq z]o/wgLsf] vftfdf ;dfj]z ug{ ;d]t ;DalGwt lwtf]kq Joj;foLnfO{ cg'/f]w ul/G5 .

@_ k|To]s z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf aflif{s k|ltj]bg k'l:tsf k7fpg] Joj:yf ul/Psf] 5 . s'g} sf/0fjz pQm k'l:tsf gkfpg' ePdf a}+ssf] skf]{/]6 sfof{no, nflhDkf6, sf7df08f}+ jf k|wfg sfof{no, gofF ahf/, kf]v/f jf zfvf sfof{nox?af6 k|fKt ug{ ;Sg' x'g]5 . ;fy}, ;f] ;DjGwL hfgsf/L o; a}+ssf] j]e;fO6 www.machbank.com df ;d]t /flvPsf] 5 .

#_ ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf laxfg !)M)) ah]b]lv v'Nnf /xg] 5 . ;efdf efu lng cfpFbf z]o/wgL dxfg'efjx?n] aflif{s k|ltj]bg k'l:tsfdf ;dfj]z ePsf] k|j]z kq ;fydf lnO{ cfpg' kg]{5 . s'g} z]o/wgL dxfg'efjn] sf/0fj; k'l:tsf gkfpg' ePdf cfˆgf] kmf]6f] ePsf] s'g} kl/ro kq jf lxtu|fxL vftf vf]lnPsf] (D-MAT)÷ s'g} Ps ;Ssn z]o/ k|df0f kq ;fydf lnO{ cfpg' kg]{5 . kl/ro lbg] sfuhft gb]vfO{ ;efsIfdf k|j]z ug{ kfOg] 5}g .

$_ k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] cfˆgf] ;Dk"0f{ z]o/sf] k|ltlglw Pp6} AolQm x'g] u/L k|ltlglw–kq -k|f]S;L kmf/fd_ e/L a}+ssf] z]o/ zfvf, k'tnL;8s, sf7df8f}+ jf k|wfg sfof{no, gofFahf/, kf]v/fdf ;ef z'? x'g' eGbf slDtdf $* 306f cufl8 cyf{t @)&$÷)*÷!# ut] ljxfg !!M)) ah] leq btf{ u/L ;Sg' kg]{5 .

%_ z]o/wgLn] Ps eGbf a9L JolQmnfO{ cfˆgf] z]o/ laefhg u/L jf cGo s'g} lsl;djf6 5'§ofO{ k|ltlglw -k|f]S;L_ lbg

kfOg] 5}g . k|ltlglw -k|f]S;L_ k|rlnt sDkgL sfg"gn] tf]s]sf] 9fFrfdf lbg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] JolQm a}+ssf] z]o/wgL x'g' clgjfo{ 5 .

^_ Ps hgf z]o/wgLn] Ps eGbf a9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df k|ltlglw -k|f]S;L_ :jtM ab/ x'g]5 . t/, klxnf lbPsf] k|ltlglw -k|f]S;L_ ab/ u/L kl5 lbOPsf] k|ltlglw -k|f]S;L_ nfO{ dfq dfGotf lbg cg'/f]w u/L 5'§} kq;fy k|ltlglw -k|f]S;L_ tf]lsPsf] ;dofjwL leq} btf{ ug{ NofPdf 5'§} kq;fy k|fKt kl5Nnf] k|ltlglw -k|f]S;L_ nfO{ dfGotf lbOg]5 .

&_ z]o/ vl/b u/]sf] ;+ul7t ;+:yf jf sDkgLn] a}+ssf] s'g} csf]{ z]o/wgLnfO{ k|ltlglw -k|f]S;L_ d's// ug{ ;Sg]5 . To;/L k|ltlglw -k|f]S;L_ d's// gul/Psf] cj:yfdf dgf]lgt u/]sf] k|ltlglwn] lgh a}+ssf] z]o/wgL gePtfklg z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg] 5 . o;/L k|ltlglw k7fpFbf ;ef z'? x'g' eGbf slDtdf $* 306f cufl8 a}+ssf] z]o/ zfvf, k'tnL;8s, sf7df08f} jf k|wfg sfof{no, gofFahf/, kf]v/fdf lnlvt ?kdf hfgsf/L lbg' x'g cg'/f]w ul/G5 .

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

(_ gfafns jf ljlIfKt z]o/wgLsf] tk{maf6 a}+ssf] z]o/wgLsf] btf{ lstfadf ;+/Ifssf] ?kdf gfd btf{ eO/x]sf] JolQmn] dfq ;efdf efu lng ;Sg' x'g]5 . t/ ;+/Ifs cfkm} z]o/wgL gePdf ;+/Ifsn] c? z]o/wgLsf] k|ltlglw -k|f]S;L_ eO{ ;efdf efu lng ;Sg' x'g] 5}g .

!)_ 5nkmnsf ljifo ;"rL dWo] ljljw zLif{s cGtu{t cfˆgf] lh1f;f jf hfgsf/L ;efdf k|:t't ug{ O{R5's z]o/wgLn] To:tf] lh1f;f jf hfgsf/L ;ef x'g' eGbf & -;ft_ lbg cufj} lnlvt ?kdf sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ a'emfpg' kg]{5 . t/ To:tf] lh1f;f jf hfgsf/L 5nkmn / kfl/t x'g] k|:tfjsf] ;"rLdf ;dfj]z x'g] 5}g .

!!_ cGo hfgsf/Lsf] nflu a}+ssf] k|wfg sfof{no, gofFahf/, kf]v/f jf skf]{/]6 sfof{no, nflhDkf6, sf7df08f}df ;Dks{ /fVg' x'g cg'/f]w 5 .

19 ANNUAL REPORT


7

df5fk'R5]« a}+s lnld6]8sf] pGgfO{;f}+ jflif{s ;fwf/0f ;efdf k|:t't;+rfns ;ldltsf] jflif{s k|ltj]bg

cfb/0fLo z]o/wgL dxfg'efjx¿,o; df5fk'R5]« a}+s lnld6]8sf] pGgfO{;f}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ ;+rfns ;ldltsf] tkm{jf6 d xflb{s :jfut tyf clejfbg ub{5' . o; cj;/df ldlt @)&$ cfiff9 d;fGtsf] jf;nft, cfly{s aif{ @)&#÷&$ sf] gfkmf gf]S;fg lx;fj, gfkmf gf]S;fg afF8kmfF8, gub k|jfx ljj/0f o; cjlwdf a+}sn] u/sf] pknlAw, ;~rfngdf b]lvPsf r'gf}tLx¿ / ;du| a}+lsË If]qsf] k'g/fjnf]sg ;lxt ;~rfns ;ldltsf] k|ltj]bg nufot cGo ;Dk"0f{ ljQLo ljj/0fx¿ ;ef ;dIf k]z ub{5' .

of] k|ltj]bg sDkgL P]g @)^#, a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&# / g]kfn /fi6« a}+såf/f ;do–;dodf hf/L ePsf lgb]{zgx¿sf] clwgdf /xL tof/ ul/Psf] 5 . d o; ;efdf ;+rfns ;ldltsf] tkm{af6 a}+lsË If]qsf] ;du| kl/;"rs k|:t't ub}{ a}+ssf] ut cfly{s aif{sf] sfo{sf] ;dLIff tyf Joj;flos /0fgLlt tyf efjL of]hgfx¿ k|:t't ub{5' .

cGt/f{li6«o kl/b[io;g\ @)!^ df ljZj cy{tGq #=! k|ltztn] j[l4 ePsf]df ;g\ @)!& df #=% k|ltztn] j[l4 x'g] cGt/f{li6«o d'b|fsf]ifsf] k|If]k0f 5 . o;}u/L ef/tLo cy{tGq ;g\ @)!^ df ^=* k|ltztn] j[l4 ePsf]df ;g\ @)!& df &=@ k|ltztn] j[l4 x'g] k|If]k0f 5 . rLgsf] cy{tGq eg] ;g\ @)!^ sf] ^=& k|ltztsf] t'ngfdf ;g\ @)!& df ^=^ k|ltztn] j[l4 x'g] k|If]k0f 5 . ljsl;t /fi6«x?sf] cy{tGq ;g\ @)!^ df !=& k|ltztn] j[l4 ePsf]df ;g\ @)!& / ;g\ @)!* df @=) k|ltztn] j[l4 x'g] k|If]k0f 5 . ljZj cfly{s j[l4b/df cfPsf] ;'wf/af6 g]kfn nufotsf cNkljsl;t d'n'sx?df ;sf/fTds k|efj kg]{ b]lvG5 . tyflk, Go"g pTkfbsTj j[l4 Pjd\ ljsl;t d'n'sx?sf] :jb]z nlIft ljsf; gLltn] pbLodfg tyf cNkljsl;t d'n'sx?nfO{ c;/ kg{;Sg] cfFsng ;d]t ul/Psf] 5 .

;g\ @)!^ df ljsl;t d'n'sx?sf] d'b|f:kmLlt b/ )=* k|ltzt /x]sf] lyof] eg] ;g\ @)!& df @=) k|ltzt /xg] d'b|fsf]ifsf] k|If]k0f 5 . To;}u/L, ef/t / rLgsf]sf] d'b|f:kmLlt b/ ;g\ @)!^ df qmd;M $=( k|ltzt / @=) k|ltzt /x]sf]df ;g\ @)!& df qmd;M $=* k|ltzt / @=$ k|ltzt /xg] k|If]k0f 5 . ;dli6ut dfudf x'g] j[l4n] ;du| d'b|f:kmLltdf bjfj kg]{ cg'dfg ul/Psf] 5 .

;g\ @))* sf] ljZj ljQLo ;+s6 kZrft\ ;+o'Qm /fHo cd]l/sfsf] km]8/n l/hj{n] lnPsf] u}/– k/Dk/fut df}lb|s gLlt kl/j{tg u/L

;g\ @)!% l8;]Da/b]lv ;fdfGoLs/0f ub}{ nu]sf] 5 . km]8/n l/he{n] @)!& h'g !$ -@)&$ h]7 #!_ df gLltut b/ )=@% k|ltztn] a9fP/ !=) k|ltztb]lv !=@% k|ltztsf] nlIft ;Ldfdf sfod ug]{ p2]Zo /fv]sf] 5 .

cGt/f{li6«o d'b|fsf]ifsf] ljZj ljQLo :yfloTj k|ltj]bg, @)!& n] ljQLo :yfloTjdf qmlds ;'wf/ x'Fb} cfPsf] hgfPsf] 5 . cfly{s lqmofsnfkn] ult lng yfn]sf], a}+s tyf aLdf sDkgLx?sf] d'gfkmf a9]sf] / bL3{sfnLg Aofhb/df j[l4 ePsf]n] ljQLo If]qdf ;'wf/ b]lvPsf] pNn]v 5 . tyflk, kl5Nnf] ljZj /fhgLlts kl/j]z tyf ;+/If0fjfbL gLlt k|ltsf] e'msfj nufotsf sf/0f cGt/f{li6«o Jofkf/ tyf k"FhL k|jfxdf c;/ kg{ ;Sg] d'b|fsf]ifsf] cfFsng 5 .

d'n'ssf] ;dli6ut cfly{s cj:yfs'n ufx{:Yo pTkfbg cfly{s jif{ @)&#÷&$ df b]zsf] s'n ufx{:Yo pTkfbg j[l4b/ pTkfbssf] d"Nodf cl3Nnf] jif{sf] )=$ k|ltztsf] t'ngfdf &=% k|ltzt /x]sf] 5 . To;}u/L, cfwf/e"t d"Nodf s'n ufx{:Yo pTkfbg j[l4b/ cl3Nnf] jif{sf] )=)! k|ltztsf] t'ngfdf ^=( k|ltzt /x]sf] cg'dfg 5 . pQm &=% k|ltztsf] cfly{s j[l4b/ cfly{s jif{ @)%)÷%! b]lvsf] pRrQd j[l4b/ xf] . s[lif If]qsf] pTkfbg %=# k|ltzt / u}/– s[lif If]qsf] j[l4b/ &=& k|ltzt /x]sf]n] pQm P]ltxfl;s pRr j[l4b/ xfl;n ePsf] xf] . wfgsf] pTkfbg @!=& k|ltztn] j[l4 ePsf]n] s[lif If]qdf pQm j[l4b/ ;Dej ePsf] xf] .;dLIff jif{df cf}Bf]lus If]qsf] j[l4b/ !)=( k|ltzt /x\of] . cl3Nnf] jif{ cf}Bf]lus If]qsf] pTkfbg ^=# k|ltztn] 36]sf] lyof] . To;}u/L ;dLIff aif{df ;]jf If]qsf] pTkfbg ^=( k|ltztn] a9]sf] cg'dfg 5 . cl3Nnf] aif{ of] If]q @=! k|ltztn] j[l4 ePsf] lyof] . ko{6s cfudgdf j[l4 / Jofkf/ Pjd\ ;+rf/ If]qsf] lj:tf/sf sf/0f ;]jf If]qsf] j[l4b/ a9]sf] xf] . ;dLIff cjlwdf ePsf] b]zsf] ;du| ljQLo lj:tf/;+u} o; a}+ssf] sfo{;Dkfbg ;d]t ;Gtf]ifhgs /x]sf] 5 / a}+sn] ck]lIft d'gfkmf xfFl;n ug{ ;kmn ePsf] 5 .

d'b|f:kmLltcfly{s jif{ @)&#÷&$ df jflif{s cf};t pkef]Qmf d'b|f:kmLltsf] b/ &=% k|ltztsf] nIoeGbf sd cyf{t $=% k|ltztdf ;Lldt /x]sf] 5 . cl3Nnf] jif{ ;f] d'b|f:kmLlt (=( k|ltzt /x]sf] lyof] . cl3Nnf] jif{sf] cfwf/ d"Nosf] k|efj, cfk"lt{ Joj:yfkg cfPsf] ;'wf/ Pjd\ ef/t nufot ljZjJofkL ?kd} Go"g d"Noj[l4sf] k|efjsf sf/0f ;dLIff jif{df pkef]Qmf d'b|f:kmLltdf sdL cfPsf]

19 ANNUAL REPORT


8

xf] . ;dLIff jif{df £o" tyf t]n, bnxg tyf u]8fu'8L, t/sf/L, oftfoft nufotsf ;d"xsf] jflif{s cf};t d"Nodf sdL cfPsf]n] ;du| pkef]Qmf d'b|f:kmLlt Go"g /xg uPsf] xf] .

o;}u/L cfly{s jif{ @)&#÷&$ df jflif{s cf};t yf]s d'b|f:kmLlt @=& k|ltzt /x]sf] 5 . cl3Nnf] jif{ o:tf] d'b|f:kmLlt ^=# k|ltzt /x]sf] lyof] . s[lifhGo j:t'x?sf] d"No j[l4df pNn]Vo sdL cfPsf] tyf cfofltt j:t'x?sf] d"Nodf lu/fj6 cfPsf]n] ;du| yf]s d'b|f:kmLlt ;d]t 36\g uPsf] xf] .

j}b]lzs Jofkf/ cfly{s aif{ @)&#÷&$ df s'n j:t' lgof{t $=@ k|ltztn] j[l4 eO{ ?= &# ca{ % s/f]8 k'u]sf] 5 . cl3Nnf] jif{ o:tf] lgof{tdf !&=* k|ltztn] x|f; cfPsf] lyof] . tyflk o:tf] lgof{t cfly{s jif{ @)&!÷&@ sf] ?= *% ca{ #@ s/f]8sf] :t/eGbf Go"g g} 5 . ;dLIff cjlwdf ef/ttkm{ % k|ltzt, rLgtkm{ !=@ k|ltzt / cGo d'n'stkm{ #=# k|ltztn] lgof{t a9]sf] 5 . j:t'ut cfwf/df h';, lkgf, h'6sf ;fdfg, lh=cfO{=kfO{k nufotsf j:t'sf] lgof{t a9]sf] 5 eg] cnF}rL, pmgL un}rf, tof/L kf]zfs, kf]lni6/ wfuf] nufotsf j:t'x?sf] lgof{t 36]sf] 5 . s'n ufx{:Yo pTkfbgdf s'n j:t' lgof{tsf] cg'kft cl3Nnf] aif{ #=! k|ltzt /x]sf]df ;dLIff aif{df @=* k|ltzt /x]sf] 5 . ;dLIff jif{df s'n j:t' cfoft @* k|ltztn] a9]/ ?= (() ca{ !! s/f]8 k'u]sf] 5 . cl3Nnf] jif{ o:tf] cfoft )=! k|ltztn] 36]sf] lyof] . ;dLIff jif{df ef/taf6 ePsf] cfoft #@=* k|ltzt, rLgaf6 ePsf] cfoft !) k|ltzt / cGo d'n'saf6 ePsf] cfoft @^=* k|ltztn] a9]sf] 5 . j:t'ut cfwf/df k]6«f]lnod kbfy{, oftfoftsf ;fwg tyf kf6{k'hf{, Pd=P;= ljn]6, l;d]G6 nufotsf j:t'sf] cfoft a9]sf] 5 eg] /f;folgs dn, cf}iflw, sf]N8/f]n l;6 O{g SjfO{n, 8«fO{;]n Aof6«L nufotsf j:t'x?sf] cfoft 36]sf] 5 . s'n ufx{:Yo pTkfbgdf s'n j:t' cfoftsf] cg'kft cl3Nnf] jif{ #$=$ k|ltzt /x]sf]df ;dLIff jif{df #*=! k|ltzt /x]sf] 5 .

;dLIff aif{df s'n j:t' Jofkf/ 3f6f #)=$ k|ltztn] a9L ?= (!& ca{ ^ s/f]8 k'u]sf] 5 . cl3Nnf] jif{ o:tf] Jofkf/ 3f6f @ k|ltztn] a9]sf] lyof] . ;dLIff jif{ lgof{t–cfoft cg'kft &=$ k|ltzt /x]sf] 5 . cl3Nnf] jif{ o:tf] cg'kft (=! k|ltzt /x]sf] lyof] . Jofkf/ 3f6f s'n ufx{:y pTkfbg cg'kft cl3Nnf] jif{sf] #!=# k|ltztaf6 a9]/ ;dLIff aif{df #%=# k|ltzt k'u]sf] 5 .

ljk|]if0f cfk|jfx;dLIff jif{df ljk|]if0f cfk|jfx $=^ k|ltztn] j[l4 eO{ ?= ^(% ca{ $% s/f]8 k'u]sf] 5 . cl3Nnf] jif{ ljk|]if0f cfk|jfx &=& k|ltztn] j[l4 ePsf] lyof] . ljk|]if0f cfk|jfx s'n ufx{:y pTkfbg cg'kft cl3Nnf] jif{ @(=^ k|ltzt /x]sf]df ;dLIff jif{df @^=*

k|ltzt /x]sf] 5 . ;dLIff jif{df v'b 6«fG;km/ cfo (=% k|ltztn] j[l4 eO{ ?= *%! ca{ *) s/f]8 k'u]sf] 5 . cl3Nnf] jif{ o:tf] cfo (=^ k|ltztn] a9]sf] lyof] . j}b]lzs /f]huf/Ldf hfg] g]kfnL gful/sx?sf] ;+Vofdf sdL cfPsf] 5 . clGtd >d :jLs[ltsf cfwf/df j}b]lzs /f]huf/Ldf hfg] g]kfnLsf] ;+Vof ;dLIff aif{df cl3Nnf] jif{sf] t'ngfdf $=& k|ltztn] 36]sf] 5 . cl3Nnf] jif{sf] ;f]xL cjlwdf o:tf] ;+Vof !*=$ k|ltztn] 36]sf] lyof] . ;dLIff jif{df dn]l;of, ;+o'Qm c/a O{ld/]6\;, s'j]t nufotsf b]zdf hfg] sfdbf/sf] ;+Vofdf j[l4 ePsf] 5 eg] ;fpbL c/]ljof, stf/ nufotsf b]zdf hfg] sfdbf/sf] ;+Vofdf lu/fj6 cfPsf] 5 .

rfn" vftf Pjd\ zf]wgfGt/cl3Nnf] aif{ ?= !$) ca{ $@ s/f]8sf] pRr artdf /x]sf] rfn" vftf ;dLIff jif{ j:t' cfoft pRr b/n] a9]sf] sf/0f ?= !) ca{ !# s/f]8n] 3f6fdf uPsf] 5 . lgof{tsf] t'ngfdf cfoftdf pRr j[l4 ePsf]n] cl3Nnf] jif{ pNn]Vo artdf /x]sf] rfn" vftf ;dLIff jif{df 3f6fdf uPsf] xf] . To;}u/L, cl3Nnf] jif{ ?= !** ca{ (% s/f]8n] artdf /x]sf] ;du| zf]wgfGt/ ;dLIff jif{df ?= *@ ca{ !% s/f]8n] artdf /x]sf] 5 . ;dLIff jif{df k"FhLut 6«fG;km/ ?= !# ca{ #^ s/f]8 / k|ToIf j}b]lzs nufgL cfk|jfx ?= !# ca{ %) s/f]8 /x]sf] 5 . cl3Nnf] jif{ kF"hLut 6«fG;km/ ?= !^ ca{ (( s/f]8 / k|ToIf j}b]lzs nufgL ?= % ca{ (@ s/f]8 /x]sf] lyof] .

ljb]zL ljlgdo ;l~rlt s'n ljb]zL ljlgdo ;l~rlt @)&# c;f/ d;fGtsf] ?= !)#( ca{ @! s/f]8af6 #=( k|ltztn] j[l4 eO{ @)&$ c;f/ d;fGtdf ?= !)&( ca{ %@ s/f]8 /x]sf] 5 . s'n ;l~rltdf ef/tLo d'b|f ;l~rltsf] c+z @#=# k|ltzt /x]sf] 5 .

;dLIff jif{sf] cfoftnfO{ cfwf/ dfGbf a}lsË If]q;Fu /x]sf] ljb]zL ljlgdo ;l~rlt !#=@ dlxgfsf] j:t' cfoft / !!=$ dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt /xg] b]lvG5 . @)&$ c;f/ d;fGtdf ljb]zL ljlgdo ;l~rltsf] s'n ufx{:Yo pTkfbg, s'n cfoft / lj:t[t d'b|fk|bfo;Fusf cg'kftx¿ qmdzM $!=% k|ltzt, (%=# k|ltzt / $!=& k|ltzt /x]sf 5g\ . @)&# c;f/ d;fGtdf o:tf cg'kftx¿ qmdzM $^=@ k|ltzt, !!&=$ k|ltzt / $^=# k|ltzt /x]sf lyP . ljlgdo b/@)&# c;f/ d;fGtsf] t'ngfdf @)&$ c;f/ d;fGtdf g]kfnL ¿k}ofF cd]l/sL 8n/;Fu #=* k|ltztn] clwd"Nog ePsf] 5 . cl3Nnf] jif{ g]kfnL ?k}ofF cd]l/sL 8n/;Fu %=@ k|ltztn] cjd"Nog ePsf] lyof] . @)&$ c;f/ d;fGtdf cd]l/sL 8n/ Pssf] vl/b ljlgdo b/ ?= !)@=*^ k'u]sf] 5 . @)&# c;f/ d;fGtdf pQm ljlgdo b/ ?= !)^=&# /x]sf] lyof] .

19 ANNUAL REPORT


9

lgIf]k ;+sng tyf shf{ k|jfx;dLIff jif{df a}+s tyf ljQLo ;+:yfx¿sf] lgIf]k !$ k|ltztn] a9]sf] 5 . cl3Nnf] jif{ o:tf] lgIf]k !(=$ k|ltztn] a9]sf] lyof] . @)&$ c;f/df a}+s tyf ljQLo ;+:yfx¿sf] s'n lgIf]kdf rlNt, art / d'2tLsf] c+z qmdzM *=& k|ltzt, #%=$ k|ltzt / $#=@ k|ltzt /x]sf] 5 . cl3Nnf] jif{ o:tf] c+z qmdzM (=! k|ltzt, $#=# k|ltzt / #)=% k|ltzt /x]sf] lyof] .

o;}u/L ;dLIff jif{df a}+s tyf ljQLo ;+:yfx?af6 lghL If]qdf k|jflxt shf{ !*=@ k|ltztn] a9]sf] 5 . cl3Nnf] jif{ o:tf] shf{ @#=& k|ltztn] a9]sf] lyof] . lghL If]qtk{m k|jflxt shf{dWo] jfl0fHo a}+sx?sf] shf{ k|jfx @% k|ltztn] a9]sf] 5 . ;dLIff jif{df s[lif If]qtkm{sf] shf{ !$=# k|ltzt, cf}Bf]lus pTkfbg If]qtkm{sf] shf{ !!=$ k|ltzt, lgdf{0f If]qtk{msf] shf{ !^ k|ltzt, yf]s tyf v'b|f Jofkf/tkm{sf] shf{ !^=! k|ltzt, ;]jf If]qsf pBf]utkm{sf] shf{ @#=# k|ltzt / oftfoft, ;~rf/ tyf ;fj{hlgs ;]jf If]qtkm{sf] shf{ @%=@ k|ltztn] a9]sf] 5 . ;dLIff jif{df s'n ufx{:Yo pTkfbg;Fu lj:t[t d'b|fk|bfo / s'n lgIf]ksf] cg'kft s]xL 36]sf] 5 eg] shf{ tyf nufgL / lghL If]qtk{msf] bfjLsf] cg'kft cl3Nnf] jif{sf] t'ngfdf a9]sf] 5 .

Aofhb/@)&# c;f/df (!–lbg] 6«]h/L ljnsf] efl/t cf};t Aofhb/ )=)% k|ltzt /x]sf]df @)&$ c;f/df )=&! k|ltzt sfod ePsf] 5 . jfl0fHo a}+sx¿aLrsf] cGt/–a}+s sf/f]af/sf] efl/t cf};t Aofhb/ eg] @)&# c;f/sf] )=^( k|ltztsf] t'ngfdf @)&$ c;f/df )=^$ k|ltzt /x]sf] 5 . cGo ljQLo ;+:yfx¿aLrsf] cGt/–a}+s sf/f]af/sf] efl/t cf};t Aofhb/ j[l4 eO{ @)&# c;f/sf] #=@% k|ltztsf] t'ngfdf @)&$ c;f/df $=$& k|ltzt k'u]sf] 5 . @)&$ c;f/df jfl0fHo a}+sx¿sf] shf{ tyf lgIf]kaLrsf] efl/t cf};t Aofhb/ cGt/ %=@ k|ltzt /x]sf] 5 . cl3Nnf] jif{sf] c;f/df o:tf] Aofhb/ cGt/ %=^ k|ltzt /x]sf] lyof] . To;}u/L, jfl0fHo a}+sx¿sf] cf};t cfwf/ Aofhb/ @)&# c;f/sf] ^=% k|ltztsf] t'ngfdf @)&$ c;f/df (=( k|ltzt sfod x'g cfPsf] 5 .

dh{/ tyf k|flKt@)&$ c;f/ d;fGt;Dd s'n !%) j6f a}+s tyf ljQLo ;+:yfx¿ dh{/÷k|flKt k|lqmofdf ;fd]n ePsf 5g\ . o;dWo] !!! j6f ;+:yfx?sf] Ohfht vf/]h x'g uO{ s'n #( ;+:yf sfod ePsf 5g\ . dh{/ tyf k|flKtsf] kl/0ffd:j?k @)&$ c;f/ d;fGtdf @* jfl0fHo a}+s, $) ljsf; a}+s, @* ljQ sDkgL / %# n3'ljQ ;+:yfx? ;+rfngdf /x]sf 5g\ . a}+s tyf ljQLo ;+:yfx?sf] zfvf ;~hfn @)&# c;f/ d;fGtdf $@&@ /x]sf]df @)&$ c;f/ d;fGtdf %)^* k'u]sf] 5 .

kl/b[ioxfn}sf] lg/Gt/ dg;'gL jiff{n] ;[hgf u/]sf] e"Ifo tyf d'n'ssf] blIf0fL e]udf cfPsf] af9Ln] cfly{s jif{ @)&$÷&% sf] cfly{s j[l4sf] kl/b[iodf clglZrttf ylklbPsf] 5 . af9L klx/f] tyf 8'jfgn] dfgjLo, kz'k+IfL, k"jf{wf/ tyf pj{/ e"lddf k'/\ofPsf] IftLn] cy{tGqsf] pTkfbg Ifdtfd} k|lts"n k|efj kfg{] hf]lvd b]lvPsf] 5 . ljQLo 3if{0fdf kl5Nnf] ;dodf pNn]Vo ;'wf/ ePsf] 5 . lgIf]k tyf shf{sf] j[l4aLr /x]sf] cGt/fn ;f3'Fl/Psf] 5 . ;'ljwfhgs l:yltdf /x]sf] df}lb|s t/ntfn] ljQLo cj:yf ;xh agfPsf] 5 . ahf/ Aofhb/ a9\g] qmd /f]lsPsf] 5 . a}+s tyf ljQLo ;+:yfx?sf] kF"hL j[l4, df}lb|s gLlt dfkm{t NofOPsf l:y/ Aofhb/ sl/8f]/ cjwf/0ff / ;dli6ut ljj]szLn lgodg h:tf pkfox? cfufdL lbgdf ljQLo If]qnfO{ yk dha'b tyf :yfloTj k|j4{g ug{]tkm{ pGd'v /x]sf 5g\ .

rfn' cfly{s jif{sf] ;+rfngsf] ;+lIfKt emnsrfn' cfly{s aif{sf] klxnf] # dlxgf ;Dd a}+ssf] sf/f]jf/ l:ylt lgDg adf]lhd ePsf] cjut u/fpFb5' .

-/sd ?= s/f]8df_l;=g+= zLif{s #!÷)#÷@)&$ #!÷)^÷@)&$!= z]o/ k"FhL* 771.66 803.96

@= lgIf]k 5,862.91 6,030.13

#= nufgL 614.29 719.99

$= shf{ tyf ;fk6L 5,186.68 5,442.18

%= v'b d'gfkmf 130.24 28.09

^= lg:s[o shf{ k|ltzt 0.38% 0.45%

* gf]6M k|:tfljt af]g; z]o/ / sN; Og P8efG; ;lxt

ldlt @)&$ cfiff9 d;fGtsf] t'ngfdf rfn' cfly{s aif{sf] klxnf] # dlxgfdf lgIf]k tkm{ ?= ! ca{ ^& s/f]8 @@ nfv -@=*%Ü_, nufgL tkm{ ?= ! ca{ % s/f]8 &) nfv -!&=@!Ü_ n] a[l4 ePsf] 5 eg] shf{ tyf ;fk6L tkm{ ?= @ ca{ %% s/f]8 %) nfv -$=(#Ü_ n] a[l4 EfPsf] 5 .

19 ANNUAL REPORT


10

ut cfly{s aif{ @)&#÷&$ sf] sf/f]af/sf] l;+xfjnf]sga}+sn] cfly{s aif{ @)&@÷&# / cfly{s aif{ @)&#÷&$ df xfl;n u/]sf] ljQLo pknAwLx¿sf] k|d'v ;'rsfÍx¿ b]xfo adf]lhd /x]sf 5g\ .

/sd ?= s/f]8dfzLif{s @)&# c;f/ d;fGt @)&$ c;f/ d;fGt a[l4 -k|ltztdf_

z]o/ k"FhL* 466.43 771.66 65.36%

g]6 jy{ 534.02 821.10 53.76%

lgIf]k 5,229.19 5,862.91 12.12%

nufgL 601.91 614.29 2.06%

shf{ tyf ;fk6L 4,423.42 5,186.67 17.25%

Aofh cfDbfgL 349.53 511.80 46.43%

Aofh vr{ 163.80 279.10 70.39%

Vf"b Aofh cfDbfgL 185.73 232.69 25.29%

cGo cfDbfgL 43.41 55.93 28.84%

sd{rf/L vr{ 46.66 49.53 6.15%

;~rfng vr{ 42.93 47.25 10.06%

;~rfng d'gfkmf 125.86 177.60 41.11%

s/ kl5sf] v'b gfkmf 89.82 130.25 45.01%

v'b shf{ gf]S;fgL Joj:yf 3.99 10.08 152.63%

lgis[o shf{ cg"kft -Ü_ 0.55% 0.38% -30.91%

s"n ;DklQ 5,945.55 6,892.57 15.93%

k"FhL kof{Kttf -Ü_ 12.36% 16.82% 36.08%

k|lt z]o/ a's g]6jy{ 138.18 124.44 -9.94%

k|lt z]o/ ahf/ d"No 680 360 -47.06%

zfvfx?sf] ;+Vof -PS;6]G;g sfpG6/ ;d]t_ 57 57 0.00%

ATM ;+Vof 72 74 2.78%

sd{rf/L ;+Vof 663 742 11.92%

* gf]6M k|:tfljt af]g; tyf sn Og P8efG; ;lxt

cl3Nnf] cfly{s aif{sf] t'ngfdf ;dLIff cjlwdf a}+ssf] lgIf]k tkm{ !@=!@ k|ltztn] tyf shf{ tyf ;fk6L !&=@% k|ltztn] a[l4 ePsf] 5 . To;} ul/ a}+ssf] Aofh cfDbfgL $^=$# k|ltztn] a[l4 ePsf]df Aofh vr{ tkm{ eg] &)=#( k|ltztn] a[l4 xF'bf, v'b Aofh cfDbfgLdf @%=@( k|ltztn] a[l4 ePsf] 5 eg] cGo cfDbfgLdf @*=*$ k|ltztn] a[l4 ePsf] 5 . ;dLIff cjlwdf sd{rf/L vr{ / cGo ;~rfng vr{df s|dz M ^=!% k|ltzt / !)=)^ k|ltztn] a[l4 ePsf] 5 . tyflk v'b Aofh cfDbfgLdf @%=@( k|ltzt a[l4 ePklg cGo cfDbfgL eGbf vr{sf] a[l4 k|ltzt sd ePsf]n] ;+rfng d'gfkmfdf $!=!! k|ltztn] a[l4 ePsf] 5 .

cl3Nnf] cfly{s aif{ s"n lgis[o shf{sf] cg'kft )=%%Ü k|ltzt /x]sf]df ;f]nfO{ ;dLIff cjlwdf 36fO{ )=#*Ü k|ltzt sfod ug{ a}+s ;kmn ePsf] 5 . a}+ssf] lgis[o shf{sf] cg'kft cGt/f{li6«o

dfkb08 leq /x]sf] 5 . ;dLIff cjlwdf a}+ssf] v'b d'gfkmf $%=)! k|ltztn], s"n ;DklQ !%=(# k|ltztn] a[l4 ePsf] 5 .

k'FhL tyf hu]8f;dLIff cjlwdf a}+ssf] z]o/ k"FhL ?= & ca{ &! s/f]8 ^^ nfv /x]sf] 5 . a}+ssf] k"FhL kof{Kttf cg'kft !^=*@Ü k|ltzt /x]sf] 5, h'g g]kfn /fi6« a}+sn] tf]s]sf] Go'gtd !! k|ltzt tyf cGt/f{li6«o dfkb08 eGbf a9L /x]sf] 5 . o;af6 a}+ssf] ljQLo l:ylt dha't /x]sf] k|dfl0ft x'G5 .

cgk]lIft gf]S;fgLnfO{ ;d]t y]Ug ;Sg] ul/ kof{Kt k"FhL /fVg] a}+ssf] gLlt /xL cfPsf] 5 . a}+ssf] sf/f]af/ lj:tf/ ;Fu} k"FhL sf]ifsf] kof{KttfnfO{ Wofgdf /fVg]] tkm{ ;d]t a}+ssf] gLlt /x]sf] 5 .

19 ANNUAL REPORT


11

gfkmf gf]S;fg aFf8kmfF8a}Fsn] o; cfly{s jif{ ? !=#) ca{ v'b d'gfkmf cfh{g u/]sf] 5 / o; d'gfkmfsf] afF8kmfF8 ljj/0f lgDg cg';f/ /x]sf] 5 .

/sd ?= s/f]8dfljj/0f o; jif{ ut jif{

ut jif{;Ddsf] ;l~rt d'gfkmf 0.25 0.36z]o/ lk|ldodaf6 ;fl/Psf] 7.95 11.28o; jif{sf] d'gfkmf 130.25 89.82:yug s/ hu]8f sf]if 2.50 0.92;6xL 36a9 sf]if - 0.20nufgL ;dfof]hg sf]if - 0.04

hDdf 140=95 102=63afF8kmfF8;fwf/0f hu]8fsf]if 26.05 17.96k|:tfljt nfef+z 44.34 4.22k|:tfljt af]g; z]o/ hf/L 66.51 80.19;6xL 36a9 sf]if 0.05 -sd{rf/L bIftf clej[[lw sf]if 0.72 -;+:yfut ;fdflhs pQ/bfloTj sf]if 1.30 -nufgL ;dfof]hg sf]if 0.19 -

hDdf 139=17 102=38;l~rt d'gfkmf÷-gf]S;fg_ 1=78 0=25

t/ntf Joj:yfkgljQLo If]qdf t/ntfsf] Joj:yfkg cToGt r'gf}tLk"0f{ / dxTjk"0f{ laifo xf] . clws t/ntfjf6 d'gfkmfdf c;/ kg]{ x'G5 eg] Go"g t/ntf cfkm}df 8/nfUbf] laifo xf] . t;y{ b]zsf] a}lsË If]qdf b]vLPsf] t/ntf ;d:ofnfO{ ;xL d'NofÍg u/L t/ntf hf]vLd Go"gLs/0fsf] nfuL a}+ssf] ;DktL bfoLTj Joj:yfkg ;ldltn] lgoldt ?kdf ahf/ cj:yfsf] ljZn]if0f tyf a}+ssf] t/ntfsf] cGt/dfkg dfkm{t Liquidity Mismatch x?nfO{ ;dodf klxrfg u/L cfjZos lgIf]k÷nufgL /0fgLltx? lng] Pj+ lgoldt ?kdf k'g/fjnf]sn ub}{ cfPsf] 5 . lgIf]kstf{ tyf ;du| a}+ssf] lxtsf nflu a}+sn] laleGg gLlt lgb]{zgx¿df ;dofg's'n cfjZos ;+;f]wg u/L s8fOsf ;fy nfu' ub}{ cfPsf] 5 . ;fy} a}+sn] ;'/lIft nufgL ug]{ qmddf g]kfn ;/sf/n] hf/L u/]sf] 6«]h/L lan tyf ljsf; C0fkqx¿df oyf]lrt nufgL ub}{ cfPsf] 5 .

zfvf lj:tf/;dLIff cjlwdf a}+sn] s'g}klg zfvf lj:tf/ gu/]tf klg zfvf a[l4 ul/ cfˆgf] ;+hfn a9fpg] a}+ssf] gLlt adf]lhd lg/Gt/ zfvf lj:tf/nfO{ k|fyldstfdf /fVg] of]hgf cg'?k a}+sn] rfn' cfly{s aif{sf] klxnf] q}dfl;s cjlw leq} ^ zfvf, # PS;6]G;g sfpG6/, & zfvf/lxt a}lsË dfkm{t ;]jf ;+rfng u/L xfn a}+sn] s'n ^@ zfvf, $ PS;6]G;g sfpG6/, & zfvf/lxt a}lsË tyf *$ P6LPd ;~hfnaf6 b]ze/Lsf u|fxsnfO{ ;]jf lbO{ /x]sf] 5 . ;fy}, a}+sn]

s]xL zfvfx¿nfO{ ;f]xL If]qsf] Joj;flos ?kn] a9L plrt cGo :yfgdf :yfgfGt/0f ug]{ qmddf ;dLIff cjlwdf b'n]uf}+8f, kf6g, kfNkf, k/f;L / wgu9L zfvfnfO{ :yfgfGt/0f u/]sf] 5 .

b]zsf b'u{ddf /x]sf :yfgLo txdf a}+s zfvf k'¥ofpg] tkm{ o; a}+sn] l;/fxf, wg'iff, d'u', bfr'{nf, c5fd, ef]hk'/, cf]vn9'+uf, 8f]Nkf nufot ljleGg !^ b'u{d :yfgx?df ;lxt s"n @$ j6f gofF zfvf vf]Ng] tyf @ j6f PS:6]G;g\ sfp06/nfO{ k"0f{ zfvfsf] ?kdf :t/f]GgtL ug{] dg;fo >L g]kfn /fi6« a}+s ;dIf k]z ul/;s]sf] 5f}+ . o;}u/L, o; a}Fsn] k|bfg ug]{ ;]jfnfO{ cfufdL lbgx?df ;d]t Jofj;flos ?kdf ;DefJo If]qx?sf] klxrfg u/L zfvf ;~hfn lj:tf/ ub}{ n}hfg k|lta4 /x]sf] s'/f oxfFx? ;a}nfO{ ljZjf; lbnfpg rfxfG5' .

lak|]if0f ;]jfcfly{s jif{ @)&#÷&$ ljk|]if0f cfk|jfx $=^ k|ltztn] j[l4 eO{ ?= ^(% ca{ $% s/f]8 k'u]sf] 5 . cl3Nnf] jif{ ljk|]if0f cfk|jfx &=& k|ltztn] j[l4 ePsf] lyof] . ;dLIff aif{df ljk|]if0f cfk|jfxsf] s'n ufx{:y pTkfbg cg'kft cl3Nnf jif @(=^ k|ltzt /x]sf]df ;dLIff jif{df @^=* k|ltzt /x]sf 5 .

df5fk'R5«] a}+sn] ljk|]if0fsf] sfd ug]{ ljleGg :jb]zL tyf ljb]zL ;+:yfx¿;+u ;Demf}tf u/L ljk|]if0f ;DaGwL sfo{nfO{ lg/Gt/tf lbb} cfPsf] 5 .a}+sn] ljk|]if0fsf] sfd ug]{ ljleGg ;+:yfx?, h:t} Western Union, Moneygram, Ezremit, IME, Prabhu Money Transfer, City Express Money, C.G Remit, Reliable Remit, Xpress Money Services, Sewa Remit, Best Remit, Batas Remit, Samsara Remit ;+u ;Demf}tf u/L ljk|]if0f ;DaGwL sfo{nfO{ lg/Gt/tf lbb} cfPsf] 5 . o;} aLr ljk|]if0f sf/f]af/nfO{ yk Jojl:yt ug{ tyf ;j{;'ne ;]jf k|bfg ug{sf] nflu o; a}+sn] cfˆg} ljk|]if0f ;]jf Pd=la=Pn= /]ld6 (MBL Remit) af6 ;]jf k|bfg ub}{ cfPsf] 5 . a}+sn] pQm ;Demf}tfx? dfkm{t ljZjsf ljleGg Qatar, UAE, Saudi Arabia, Bahrain, Hongkong, Iraq ,Turkey, Euro zone, Canada, UK, USA, Denmark & India d'n'sx?af6 k7fPsf] ljk|]if0f /sd a}+ssf ;Dk"0f{ zfvfx? / b]zleq 5l/P/ /x]sf %))) ;xfos k|ltlglwx?af6 l;w} e'QmfgL ug]{ Joj:yf ldnfO{Psf] 5 .

a}+sn] cfkm\gf u|fxsx¿nfO{ k|bfg ub}{ cfPsf ;]jf ;'ljwfx¿ a[l4 ub}{ cfDbfgLsf] If]q ;d]t lj:tf/ ug]{ qmddf Go"of]s{, cd]l/sf l:yt ax'/fli6«o ljQLo ;]jf k|bfos sDkgL American Express Travel Related Services Company, Inc,(“AXP”) n] hf/L u/]sf 6«fen;{ r]s u|fxsx¿af6 l;w} :jLsf/÷vl/b ug]{ ;fy} cGo :yfgLo a}+sx¿n] :jLsf/÷vl/b u/]sf 6«fen;{ r]ssf] ;+sngsf] ;d]t sfd ug]{ ;DaGwdf pNn]lvt sDkgL;+u ;Demf}tf u/L sf/f]af/ ub{} cfPsf] 5 . o;}u/L a}+sn] sf]l/ofaf6 l;w} g]kfndf /sd k7fpg sf]l/of l:yt Industrial Bank of Korea ;+u ;Demf}tf u/L sf/f]af/ z'ef/De ;d]t eO{ ;s]sf]] 5 . ;fy} a}+sn] Online

19 ANNUAL REPORT


12

payment services / Nepal Clearing House (NCHL)-Inter Bank Payment system(IPS) ;d]tsf ;'ljwf pknAw u/fPsf] 5 .

;"rgf k|ljlwa}+sn] cfˆgf u|fxsx¿nfO{ k|bfg ug]{ ;]jfsf] u'0f:t/ a9fpg / cTofw'lgs ;]jf tyf ;'ljwfx¿ k|bfg ug{ cfˆgf] k|lalwsf] :t/a[l4 ug]{ tyf ;dofg's"n yk kl/dfh{g ug]{ sfdnfO{ lg/Gt/tf lbb} cfPsf] 5 . a}+sdf k|of]u e}/x]sf ;km\6j]o/x¿sf] sfo{s'zntf a9fpg xf8{j]o/x¿ klg ;dofg's"n yk÷ kl/jt{g ug]{ u/]sf] 5 .

xfn a}+sn] sl/a @ nfv u|fxsx¿nfO{ leiff 8]la6 sf8{ dfkm{t ;]jf k|bfg ul//x]sf] 5 . a}+sn] df]afO{n k|ljlwdf cfwfl/t M3 (MBL Mobile Money) ;]jf dfkm{t u|fxsx¿nfO{ ;]jf k|bfg ub}{ cfPsf] 5 eg] a}+sn] lgs6 eljiodf g} O{G6/g]6df cfwfl/t Bank Smart ;d]t ;+rfngdf Nofpg] tof/L ul//x]s]f 5 . h;n] ubf{ u|fxsx¿n] a}+ssf] ;]jf b]z leq tyf b]z aflx/ klg ;xh?kdf pkef]u ug{ kfpg] ck]Iff a}sn] u/]sf] 5 . a}+sn] xfn} cfkm\gf u|fxsx¿nfO{ qm]l86 sf8{ tyf USD lk|k]8 sf8{ ;]jf ;d]t k|bfg ug{ z'? u/]sf] 5 . o;}u/L a}+lsË ;]jfsf tYof+sx¿sf] pRrtd ;'/Iff k|Tofe"lt ug{ a}+sn] sf7df8f}+ pkTosf jflx/ l8cf/ ;fO{6sf] Joj:yf u/]sf] 5 . a}+ssf] dfgj ;+zfwg Joj:yfkg, crn ;DklQ, O{Ge]l06« tyf l/slG;n]zg Joj:yfkgsf nflu cnu cnu ;km\6j]o/sf] Joj:yf ul/Psf] 5 . a}+ssf] sf8{ ;]jfnfO{ r':t / sd vr{df cfw'lglss/0f ub}{ hfg] p2]Zon] g]kfn O{n]S6«f]lgs k]d]06 l;:6d -g]K;\_ dfkm{t ;]jf k|bfg ub}{ cfPsf] 5 . a}+sn] rfn' cfly{s aif{b]lv g} zfvf /lxt a}+lsË, lkcf]P;\ ;'ljwf h:tf ;]jf tyf ;'ljwfx¿ ;+rfngdf NofO ;s]sf] 5 .

dfgj ;+zfwg@)&$ cfiff9 d;fGtdf a}+sdf sfo{/t Joj:yfkg :t/sf sd{rf/Lsf] ;+Vof %( hgf / cGo sd{rf/Lx¿sf] ;+Vof ^*# hgf u/L s'n sd{rf/L ;+Vof &$@ hgf /x]sf] 5 . ;dLIff aif{df !#$ hgf gofF sd{rf/L lgo'Qm tyf %% hgf sd{rf/Lx? a}+ssf] ;]jfaf6 cnu ePsf 5g\ . s"n sd{rf/Lx?dWo] @&$ hgf -#& k|ltzt_ dlxnf sd{rf/Lx? /x]sf 5g\ . sd{rf/Lx¿sf] sfo{ bIftfsf] d"NofÍg ug{ tyf dgf]an pRr /fVg sfo{;Dkfbgdf cfwfl/t d"Nof+sg k|0ffnL (Performance Based Appraisal System) nfO{ nfu' ub}{ nluPsf] 5 . a}+sn] cfkm\gf u|fxsau{nfO{ ;j{;'ne tyf l56f] ;dodf :t/Lo ;]jf pknAw u/fpg ;do cg';f/ k|ltikwL{ a}lsË ;]jf k|bfg ug{ sd{rf/Lx¿sf] ;Lk ljsf;sf] cfjZostfnfO{ dWogh/ /fVb} a}+sn] lgoldt ?kdf ;do ;fk]If cfGtl/s tflnd ;+rfngsf ;fy} afXo lgsfoåf/f ;+rflnt pko'Qm tflnddf ;xeflutf a9fPsf] 5 . ;dLIff cjlwdf ljleGg OsfO{ ;DaGwL @& j6f cfGtl/s k|lzIf0f sfo{qmd ePsf]df hDdf !)($ hgf k|lzIffyL{x¿n] ;f] tfnLd k|fKt u/]sf 5g\ eg] !!@ j6f afXo

tflndaf6 @%& hgf k|lzIffyL{x¿n] bIftf clea[l4 u/]sf 5g\ . cfufdL lbgdf klg sd{rf/Lx¿nfO{ :jb]z tyf ljb]zdf cfof]hgf x'g] ljleGg tflnd tyf uf]i7Lx¿df ;xefuL u/fpg] / pgLx¿sf] ;Lk / Ifdtf clej[l4 ug]{ sfo{nfO{ lg/Gt/tf lbO{g]5 .

To:t}, cfhsf] k|lt:kwf{Tds o'udf ;+:yfsf] k|ultdf dfgj ;+zfwgsf] dxTjk'0f{ e'ldsf /xg] s'/f k|lt a}+s ;hu /x]sf] 5 . o;sf cltl/Qm a}+s ;b}j of]Uo, bIf, nugzLn tyf OdfGbf/ sd{rf/Lx¿ lgo'lQm ug]{ / To:tf of]Uo sd{rf/LnfO{ a}+ssf] ;]jfdf sfod} /fVg pTk|]l/t ug{ k|ltj4 5 . dfgj ;+zfwgsf] Joj;flos ;Lk clej[l4 ug{] / ;dofg's'n Jojl:yt ug]{ tyf a}+ssf] dfgj ;+;fwg ;DaGwL ljifox¿nfO{ ;do ;fk]If ;'wf/ ub}{ n}hfg] u/L g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ u}x| sfo{sf/L ;+rfnssf] dftxtdf Ps sd{rf/L ;]jf ;'ljwf ;DaGwL ;ldlt u7g ul/Psf] 5 .

gofF ;]jfx?a}+sn] cfkm\gf ;]jf tyf ;'ljwfx¿df lg/Gt/ ;'wf/ ug'{sf cltl/Qm gjLgtd ;]jf ;'ljwfx¿ u|fxsx¿ ;dIf Nofpg a}+s lqmofzLn /xb} cfPsf] 5 . o;} cg'?k a}+sn] ljut b]lv g} k|bfg ub}{ cfPsf Any Where Banking, Mobile Banking, Internet Banking, Evening Counter, 365 days Banking, U lity Bill Payment, VISA Debit Card, DMAT nufotsf ;'ljwfx¿df lg/Gt/ u'0f:t/ j[l4 ub}{ nluPsf] 5 . ;fy}, a}sn] u|fxssf] dfunfO{ Wofg /fVb} s|]l86 sf8{, 8n/ lk|k]8 sf8{ nufotsf] ;]jf z'? u/]sf] 5 . u|fxsn] dfu ugf{;fy t'?Gt kfpg ;Sg] Instant Debit Card ;d]t k|of]udf NofPsf] 5 . ljB'tLo sf/f]af/df lglxt hf]lvdaf6 u|fxsnfO{ arfpg a}+sn] ;'/Iff ;DaGwL Joj:yfnfO{ yk dha't agfpFb} klg nu]sf] 5 . o;} ;Gbe{ef a}+sn] lrkdf cfwfl/t 8]la6 sf8{ hf/L ug{ z'? u/]sf] 5 . To;} u/L OG6/g]6 a}+ls+uaf6 e'QmfgL jf /sdfGt/ ubf{ u|fxsn] cfkm\gf] Od]n jf df]afOndf One Time Password (OTP) k|fKt ug]{ / ;f] kf;j8{ k|of]u u/L dfq sf/f]af/nfO{ :jLs[t ug{ ;lsg] Joj:yf leq\ofPsf] 5 . o;n] ubf{ u|fxsx?n] 8]la6 sf8{ jf OG6/g]6 a}+ls+uaf6 sf/f]af/ ubf{ 9'Ss eO{ ug{ ;lsg] jftfj/0f a}+sn] agfPsf] 5 . a}+sn] ;dLIff jif{df lgMz'Ns cf:jf (ASBA) ;]jf klg z'? u/]sf] 5 .

o;}u/L, u|fxs ju{x¿nfO{ ljb]z l:yt /sd :jb]zdf ;/n l;3| ?kdf Nofpg a}+sn] :jb]z tyf ljb]z l:yt ljleGg sDkgLx¿;Fu ;Demf}tf ul/ ljk|]if0f ;]jfnfO{ lj:tf/ ub}{ cfPsf] 5 . a}+sn] ;dLIff jif{df blIf0f sf]l/ofl:yt g]kfnLx?nfO{ nlIft u/L blIf0f sf]l/ofsf] k|ltli7t a}+s O08li6«on a}+s ckm sf]l/of;Fu /]ld6\ofG; ;Demf}tf u/]sf] 5 . pQm ;Demf}tf;Fu} sf]l/ofaf6 g]kfndf o; a}+ssf h'g;'s} zfvf, PS:6]G;g sfp06/ / zfvf/lxt a}+ls+u ;]jf sfp06/ dfkm{t sf]l/ofaf6 k7fPsf] /sd k|fKt ug{ ;lsG5 .

19 ANNUAL REPORT


13

ljkGg ju{ shf{a+}sn] g]kfn /fi6« a}+ssf] lgb]{zgsf] clwgdf /xL k|ToIf / ck|ToIf ?kdf ljkGg ju{df shf{ k|jfx ub}{ cfPsf]df xfn a}+sn] ljleGg @( zfvfx¿nfO{ klxrfg u/L ljz]if ?kn] ljkGg ju{ shf{ k|jfxdf hf]8 lbg] gLlt lnPsf] 5 . ljkGg ju{ shf{ cGtu{t a}+sn] UK AID ;Ifd– PS;]; 6' kmfO{gfG; ;+:yf;+u ;fem]bf/Ldf lk5l8Psf ju{nfO{ ljleGg s[lif, dlxnf pBdL, o'jf tyf ;fgf Joj;fo s[lif shf{, ;lhnf] ;fgf pBdL shf{ ;'ljwfx?nfO{ kl/dfh{g u/L ;/n ?kdf shf{ k|jfx ug]{ a}+ssf] nIo /x]sf] 5 . o;} sfo{qmd cGtu{t ;Ifd ;+j]bglzn If]qdf zfvf ;lxt a}+lsË ;'ljwf / ljlQo ;fIf/tfsf] sfo{s|dn] s[lif tyf ;fgf pBdnfO{ 6]jf k'Ug] p2]Zo lnPsf 5f}+ .

a}+sn] ;dLIff jif{df o"s] P8åf/f ;~rflnt ;Ifd sfo{qmd;Fu !$ lhNnfdf ;/nLs[t n3'ljQ shf{ ug{ ;Demf}tf u/]sf] 5 . & s/f]8sf] pQm sfo{qmd cGtu{t !$ lhNnfsf b'u{d e]udf zfvf/lxt a}+ls+u ;]jf dfkm{t s[ifsx?nfO{ a}+ls+u ;]jf k|bfg ug]{, ljQLo ;fIff/tf sfo{qmd ;~rfng ug]{ / ;/n tj/n] n3'ljQ shf{ k|bfg ug]{ sfo{ a}+sn] z'? u/]sf] 5 .

o;}u/L, a}+sn] ;fgf ls;fg, o'jf :j/f]huf/, dlxnf pBd h:tf If]qx¿df nufgL ug]{ gLlt cg'?k o"s]P8åf/f ;+rflnt ;Ifd PS;];\ 6' kmfO{gfG;\ kl/of]hgf;Fu ;xsfo{ u/L ;f]xL kl/of]hgf cGtu{t bfËsf s[lif tyf dlxnf pBdLx¿nfO{ lagf lwtf] shf{ k|jfx ug{ x]km/ OG6/g]zgn g]kfn;Fu ;Demf}tf u/]sf] 5 . ;f] cGtu{t a}+sn] ndxL bfËsf ;xsf/L ;+:yf dfkm{t shf{ k|bfg u/L ljkGg s[ifs tyf dlxnfx¿nfO{ :j/f]huf/ agfO{ pgLx¿sf] hLjg:t/df pNn]Vo ;'wf/ Nofpg] xfdLn] ljZjf; u/]sf 5f}+ .

;+:yfut ;'zf;gdf5fk'R5«] a+}sn] ;+:yfut ;'zf;gsf] pNn+3gnfO{ z'Go ;xglzntf (Zero Tolerance) sf] gLlt cjnDag ub}{ ;'zf;gsf cfwf/e"t kIfx¿ ;"lglZrt ug{ k|lta4 /x]sf] 5 . a}+ssf] ;+rfns ;ldltsf] lg0f{o k4lt / sfd sf/afxLx¿nfO{ k|rlnt P]g sfg"g / Industry Best Prac ces adf]lhd kf/bzL{ ul/Psf] 5 . g]kfn /fi6« a}+s nufot lgodgsf/L lgsfox¿af6 ;do ;dodf hf/L ePsf gLlt lgb]{zgx¿ a}+sn] k"0f{ ?kdf kfngf ul/cfPsf] 5 . To;} u/L n]vfk/LIf0f ;ldlt dfkm{t afXo tyf cfGtl/s n]vf k/LIfsn] lbPsf] ;'emfj / ;Nnfxx¿nfO{ ;d]t ;+rfns ;ldltn] k"0f{ ;hutfsf ;fy sfof{Gjog ub}{ cfPsf] 5 . b]zsf] cfGtl/s sf/0fx¿ tyf cGt/f{li6«o sf/0fx¿n] ubf{ ljQLo If]q nufot b]zsf] cy{tGqsf] laleGg If]qx¿df ;[hgf x'g] cj;/, r'gf}tL / hf]lvdx¿nfO{ ;+rfns ;ldltn] ;w}+ glhsaf6 lgofln/xg] u/]sf] 5 / ;f]xL adf]lhd ;do ;dodf Joj:yfkgnfO{ ;Nnfx lbg] / ;hu u/fpg] ;d]t ul/cfPsf] 5 .

a}+sn] ljQLo ljj/0fx¿ g]kfn n]vfdfg (Nepal Accouning Standard) tyf n]vf ;DaGwL ;j{dfGo l;4fGt / g]kfn /fi6« a}+ssf] lgb]{zgx¿ adf]lhd /fv]sf] 5 . n]vf ;DaGwL tL ljj/0fx¿n] a}+ssf] ljQLo l:ylt / sf/f]af/sf] oyfy{ ljj/0f lrq0f ub{5 .

cfGtl/s lgoGq0f k|0ffnLa}+lsË Joj;fodf lglxt shf{, ahf/ tyf ;~rfng nufotsf hf]lvdx¿nfO{ Go"lgs/0f ub}{ u|fxsju{x¿nfO{ :tl/o ;]jf ;'ljwf tyf nufgLstf{x¿nfO{ pRrtd k|ltkmn k|bfg ug{ ;an cfGtl/s lgoGq0f k|0ffnL x'g' kg]{df a}+s ;hu /x]sf] 5 . a}+sn] k|To]s sf/f]af/x¿ ;+rfns ;ldltn] kfl/t u/]sf laleGg gLlt, lgb]{zg tyf g]kfn /fi6« a}+sn] hf/L u/]sf lgb]{zg / b]zsf] k|rlnt sfg"gL Joj:yfx¿ adf]lhd /xg] u/L cfGtl/s lgoGq0f k|0ffnL canDag u/]sf] 5 . a}+ssf ;Dk"0f{ x/lx;fa sDKo"6/ dfWodaf6 ;+rfng ug]{ ul/Psf] 5 . a}+sn] cGt/f{li6«o dfkb08sf] Unf]a; a}+lsË ;ˆ6jo/ k|of]u ul//x]sf] 5 / ;f] ;ˆ6jo/sf] a]nfa]nfdf k/LIf0f Pj+ cfjZostf cg';f/ :t/f]Gglt (Upgradation) ug]{ ul/Psf] 5 .

a}+sdf ;DklQ tyf bfloTj Joj:yfkg ;ldlt (ALCO) /x]sf] 5 h;n] lgIf]k kl/rfng gLlt, nufgL gLlt, shf{ tyf ;fkl6 ;DaGwL gLlt, Aofhb/ gLltsf ;DaGwdf gLltut Joj:yfx¿ ;lxt lgoldt ?kdf cg'udg ug]{ u/]sf] 5 . a}+ssf hf]lvd Joj:yfkgsf ;DaGwdf u}/ sfo{sf/L ;+rfnssf] ;+of]hsTjdf 5'§} hf]lvd Joj:yfkg ;ldlt (Risk Managment Commi ee) u7g ul/Psf] 5 .

o;}ul/ a}+ssf] n]vfk/LIf0f ;ldltsf] dftxtdf cfGtl/s n]vfk/LIf0f ljefu /x]sf] 5 . pQm ljefun] lgoldt ?kdf a}+ssf ;Dk"0f{ sf/f]jf/x¿sf] cg'udg ug]{ u/]sf] / ;f]sf] k|ltj]bg ;f]em} n]vfk/LIf0f ;ldltdf k]z ug]{ u/]sf] 5 .

;fy}, a}+sn] sf/f]jf/ ;+rfngsf lznlznfdf lg0f{o ln+bf ;fdflhs / jftfj/0fLo hf]lvdx¿nfO{ ;d]t d"NofÍg u/]/ dfq lg0f{ox¿ lng] u/]sf] 5 . o;n] xfdL hxfF h'g ;dfh, ;d'bfo / jftfj/0fdf /x]/ sfd u5f}{, ltgLx¿k|ltsf] ;DaGw, k|lta4tf / pQ/bfloTj emNsG5 .

;DklQ z'l¢s/0f -dgL nfp08l/Ë_ lgjf/0f;DklQ z'l4s/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL sfo{sf] k|efjsf/L lgoGq0f Pjd\ lg/f]k0fsf nflu o; a}+sn] ;DklQ z'l4s/0f lgjf/0f P]g, @)^$, ;DklQ z'l4s/0f lgjf/0f lgodfjnL, @)&#, g]kfn /fi6« a}+s / ljQLo hfgsf/L OsfO{n] hf/L u/]sf lgb]{zg tyf kl/kqn] tf]s] adf]lhd cfjZos gLlt, k|lqmof / cEof;sf] th{'df u/L sfof{Gjo ub}{ cfPsf] 5 .

19 ANNUAL REPORT


14

a}+sn] ;DklQ z'l¢s/0f -dgL nfp08l/Ë_ lgjf/0fsf ;DaGwdf s]lGb|o sfof{nodf sfof{Gjog clwsf/L k|d'v /xg] u/L Ps cnUu} AML/CFT Unit v8f u/LPsf] / k|To]s zfvf sfof{nodf sDKnfoG;\ clws[t tf]sL cfjZos lgb]{zg lbO{ ;DklQ z'l¢s/0f -dgL nfp08l/Ë_ lgjf/0f ;DaGwL P]g tyf lgb]{zgsf] sfof{Gjog ub}{ cfPsf] 5 . ;fy}, P]g, lgodfjnL / g]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhdsf Joj:yfx?sf] kfngf ug{ u/fpg tyf ;f]sf] nflu cfjZos gLltut Joj:yfx? ug{] ;DaGwdf 5nkmn u/L ;+rfns ;ldltnfO{ cfjZos ;'emfj ;Nnfx k|bfg ug{ rfn' cfly{s aif{df u}/ sfo{sf/L ;+rfnssf] ;+of]hsTjdf ;DklQ ;'4Ls/0f lgjf/0f ;DaGwL ;ldlt ;d]t u7g u/]sf] 5 .

;+:yfut ;fdflhs pQ/bfloTj (Corporate Social Responsibility)a}+sn] d'gfkmfdf dfq s]lGb|t geO{ ;dfhk|ltsf] pQ/bfloTjnfO{ ;d]t Wofgdf /fvL ljleGg ;fdflhs lqmofsnfkx¿df ;xefuL x'Fb} cfPsf] 5 . cfkm\gf] d'gfkmfsf] s]xL c+z ;fdflhs pQ/bfloTj jxg ug]{ sfo{x¿df vr{ ug]{ a}+ssf] p2]Zo cg'?k ljz]if u/L a}+sn] lzIff, :jf:Yo, v]ns"b, jftfj/0f, nufot k|fs[lts k|sf]kaf6 kLl8tx¿nfO{ ;xof]u ub{} cfPsf] 5 .

;dLIff cjlwdf a}+sn] b]ze/ ljleGg sfo{qmdx? u/L ;dfhnfO{ of]ubfg k'¥ofpg] sfo{ u/]sf] 5 . s]xL dxTjk"0f{ ;fdflhs of]ubfgx? lgDg 5g\ M

sf7df08f}+, ;Nofg / hf]d;f]ddf lgMz'Ns :jf:Yo lzlj/ ;~rfng .

afudtL ;/;kmfO{ cleofgdf ;l/s tyf ;xof]u . nflhDkf6sf] ;8s k]6Ldf j[Iff/f]k0f . wgs'6fdf lzjfno dlGb/sf] lgdf{0f sfo{df ;xof]u . l7dL, lkmlbd, la/u+h, /fhlj/fh / wgs'6fdf ljkGg

ljBfyL{x?nfO{ z}lIfs ;fdu|L ljt/0f . hgsk'/, la/f6gu/, e}/xjf, b]j3f6 / sf7df08f}+df

j[4f>dnfO{ ;xof]u . rfkfufpFdf cjl:yt ;Gtfg]Zj/ dxfb]jsf] dlGb/df vfg]

kfgLsf] Joj:yfkg . kf]v/fdf af9LkLl8tnfO{ ;xof]u . afUn'Ëdf j]b ljBf>dnfO{ ;xof]u . ljleGg :yfgdf /Qmbfg sfo{qmdsf] cfof]hgf . sf7df8f}+df afndlGb/nfO{ tyf cGo cgfy cf>dsf

afnaflnsfx?nfO{ ;xof]u . la/f6rf]s, kf]v/f / sf7df08f}+df ;fd'bflos ljBfnonfO{ 8]:s

a]Gr, sDKo'6/ nufot z}lIfs ;fdu|L tyf pks/0fx? k|bfg . afUn'ªdf ;f]nf/ ;8s aQL h8fgdf ;xof]u . lkmlbd lhNnf c:ktfnnfO{ ;xof]u .

a}+sn] ljleGg ;fdflhs bfloTj lgjf{x ug]{ tkm{ cfufdL lbgx?df klg cfˆgf] Ifdtf cg';f/ cem a9L ;ztm ?kdf sfo{qmdx? ug]{ of]hgf agfPsf] 5 .

n]vfk/LIfssf] lgo'QmLa}+ssf] c7f/f}+ jflif{s ;fwf/0f ;efaf6 lgo'Qm n]vfk/LIfs >L l6=cf/= pkfWof P08 sDkgL, rf68{ PsfpG6]06;\n] a}+ssf] x/lx;fasf] lj:t[t ?kdf n]vf k/LIf0f u/L ;dod} k|lta]bg pknAw u/fO{lbg' ePsf]df ;+rfns ;ldltsf] tkm{af6 xflb{s wGoafb lbg rfxG5f} . jt{dfg n]vfk/LIfs l6=cf/= pkfWof P08 sDkgL nuftf/ tLg k6s a}+ssf] n]vf k/LIfs /xg' ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf !!!-#_ tyf a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)&# sf] bkmf ^#-@_ adf]lhd k'gM lgo'Qm x'g g;Sg] ePsf] x'Fbf cfly{s aif{ @)&$÷&% sf] n]vf kl/If0f ug{ gofF n]vfk/LIfs lgo'QmLsf] nflu o;} aflif{s ;fwf/0f ;ef ;dIf k|:tfj k]z u/]sf 5f}+ .

;+rfns ;ldlta}+ssf] ;+rfns ;ldltdf ;+:yfks z]o/wgLx¿sf] tkm{af6 $ hgf, ;j{;fwf/0f z]o/wgLx¿sf] tkm{af6 @ hgf / :jtGq Joj;flos ;+rfns ! hgf u/L s"n & hgf ;+rfnsx¿ /xg] u/L a}+ssf] ljz]if ;fwf/0f ;efn] lgodfjnLdf ;+zf]wg k|:tfj kfl/t u/L :jLs[ltsf nflu g]kfn /fi6« a}+s ;dIf k]z ul/Psf] 5 eg] xfn a}+ssf] ;+rfns ;ldltdf s"n ^ hgf ;+rfnsx? /xg' ePsf] 5 . a}+ssf] cl3Nnf aflif{s ;fwf/0f ;efaf6 kbfjwL ;dfKt eO{ ;+rfns ;ldltdf g/xg' ePsf k"j{ ;+rfnsHo"x? >L xl/eQm l;Ub]nHo" / >L d+u]znfn >]i7Ho" tyf ;+rfns kbaf6 JolQmut sf/0fn] /flhgfdf lbO{ xfn ;+rfns ;ldltdf g/xg' ePsf k"j{ cWoIf 8f= la/]Gb| k|;fb dxtf]Ho" / k"j{ ;+rfns >L 1fg k|;fb sdf{rfo{Ho"x¿n] kbdf /xFbf a}+snfO{ k'¥ofpg' ePsf] of]ubfgsf] pRr sb/ ub}{ xflb{s wGojfb 1fkg ub{5f}+ .

a}+ssf] ;+rfns ;ldltsf] a}7s ljBdfg P]gsf] k|fjwfg cg'?k lgoldt ?kdf j:g] u/]sf] 5 . ;dLIff cjlwdf ;+rfns ;ldltsf] s"n #^ j6f j}7s j;]sf] 5 . a}+ssf] k"FhL sf]ifsf] cj:yf, gLltut Joj:yfx¿, ;+:yfut ;'zf;g, shf{, ;+rfng tyf ahf/ hf]lvd nufot a}+sn] Wofg lbg'kg]{ cfjZos ;Dk"0f{ If]qsf ljifox¿ dfly uDeL/?kdf 5nkmn ub{} a}+snfO{ ;kmn / ;an agfpg ;+rfns ;ldltn] pko'Qm lg0f{ox¿ ub}{ cfO{/x]sf] 5 . cfufdL lbgx¿df klg ;b}j a}+ssf] lxtnfO{ Wofgdf /fvL cfˆgf] e'ldsf lgjf{x ug{ a}+ssf] ;+rfns ;ldlt k|ltj4 /x]sf] 5 .

n]vfk/LIf0f ;ldlta}+ssf u}/ sfo{sf/L ;+rfnssf] ;+of]hsTjdf tLg ;b:oLo n]vfk/LIf0f ;ldlt u7g ul/Psf] 5 . pQm ;ldltsf] ;b:o ;lrjdf cfGtl/s n]vfk/LIf0f ljefusf k|d'v /x]sf 5g\ .

19 ANNUAL REPORT


15

n]vfk/LIf0f ;ldltn] a}+ssf] cfly{s cj:yfsf] ;dLIff, cfGtl/s lgoGq0f, n]vfk/LIf0f ;DaGwL sfo{qmd, n]vfk/LIf0f ;DaGwL kl/0ffd tyf n]vfk/LIf0f of]hgf / cfGtl/s n]vfk/LIfs tyf jfXo n]vfk/LIfsn] k]z u/]sf] n]vfk/LIf0f k|ltj]bgdf cf}+NofOPsf s}lkmotx¿ pk/ ;dLIff u/L ;'wf/fTds sbd rfNg Joj:yfkgnfO{ lgb]{zg lbg], g]kfn /fi6« a}+saf6 lgl/If0f tyf ;'kl/j]If0f u/L k|ltj]bgdf cf}+NofOPsf lgb]{zg÷s}lkmotx¿sf] sfof{Gjog eP gePsf] ;DaGwdf ;dLIff ug]{ tyf tL ljifox¿sf] clen]v u/L ;+rfns ;ldltnfO{ hfgsf/L u/fpg], a}+ssf] jflif{s ljQLo ljj/0fx¿ ;xL, oyfy{k/s agfpg Joj:yfkgnfO{ ;xof]u ug]{, a}+ssf] sfdsf/jfxLsf ;DaGwdf ;+rfns ;ldltnfO{ cfjZos ;'emfj lbg] cflb o; ;ldltn] ug]{ k|d'v sfo{x¿ /x]sf 5g\ . ;fy}, a}+ssf] cfGtl/s / jfXo n]vfk/LIfsn] ;ldltdf l;w} kxF'r /fV5g\ .

cGo ;ldltx?g]kfn /fi6« a}+ssf] lgb]{zg / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] cwLgdf /xL ;+rfns ;ldltn] u}/ sfo{sf/L ;+rfnssf] ;+of]hsTjdf n]vf k/LIf0f ;ldlt, hf]lvd Joj:Yffkg ;ldlt, sd{rf/L ;]jf ;'ljwf ;ldlt / ;DklQ ;'4Ls/0f lgjf/0f ;DaGwL ;ldlt u7g u/L sfd, st{Jo / clwsf/ tf]lsPsf] 5 . o;}u/L, ;+rfns ;ldltn] s'g} vf; k|of]hgsf nflu cTofjZos ePdf To:tf] sfo{ ;Dkfbgsf nflu lglZrt ;do tf]ls u}/ sfo{sf/L ;~rfnssf] ;+of]hsTjdf cGo ;ldlt÷pk–;ldlt u7g ug]{ u/]sf] 5 .

;"rgf Joj:yfa}+sn] ;j} z]o/wgL tyf ;/f]sf/jfnf (Stake Holders) x¿;+usf] ;"rgf cfbfg k|bfgnfO{ pRr k|fyldstf lbPsf] 5 . o;} ;Gbe{df a}+sn] jflif{s k|ltj]bg, q}dfl;s k|ltj]bg nufot cGo a}+ssf] k|ult ljj/0fx¿ tyf a}+sn] k|bfg ug]{ ljleGg ;]jfx¿sf] hfgsf/L ljleGg ;dfrf/ dfWod Pj+ a}+ssf] j]e;fO6 www.machbank.com dfkm{t pknAw u/fpg] u/]sf] 5 .

a}+sdf ;do ;dodf nufgLstf{ tyf JolQmut ?kdf cfPsf ljleGg lh1f;fx¿sf] plrt lgisif{ lgsfNg] pko'Qm / dxTjk"0f{ ynf] jflif{s ;fwf/0f ;ef ePsf]n] ;j} z]o/wgL dxfg'efjx¿nfO{ ;efdf ;xefuL eO{ a}+ssf] k|ultdf 5nkmn ug{ k|f]T;flxt u/]sf 5f}+ .

k"FhL a[l4 of]hgfg]kfn /fi6« a}+saf6 hf/L df}lb|s gLlt tyf lgb]{zg adf]lhd a}+sn] ldlt @)&$ cfiff9 d;fGt leqdf Go"gtd r'Qmf k"FhL a[l4 u/L ¿= * ca{ k'¥ofpg' kg]{ ;Gbe{df o; a}+sn] cl3Nnf] aflif{s ;fwf/0f ;efaf6 kfl/t eP adf]lhdsf] af]g; tyf xsk|b z]o/ afF8kmfF8 kZrft r'Qmf k"FhL ?= &,#(,)%,$$,)))=)) eO{;s]sf] 5 eg] ;dLIff aif{sf] d'gfkmfaf6 ljt/0f ug{ k|:tfj ul/Psf]

?= ^^,%!,$(,)))=)) a/fa/sf] af]gz z]o/ afF8kmfF8 kZrft a}+ssf] s"n r"Qmf k"FhL ?= *,)%,%^,(#,)))=)) k'Ug]5 . o;sf ;fy} a}+sn] k"FhL tyf Joj;fo j[l4 ug]{ ;DaGwdf cGo pko'Qm a}+s tyf ljQLo ;+:yf-x?_ ;Fu dh{/÷PlSjlh;gsf] ;Defjgfsf ;DaGwdf ;d]t cWoog sfo{nfO{ lg/Gt/tf lbPsf] 5 .

wGojfb 1fkgo; a}+s k|lt lg/Gt/ ?kdf laZjf; u/L ;f}xfb{k"0f{ jftfj/0fdf sf/f]jf/ ub}{ cfpg' ePsf xfd|f cfb/0fLo ;Dk"0f{ u|fxsju{x¿ k|lt xflb{s s[t1tf 1fkg ub{5f}+ . u|fxs dxfg'efjx¿af6 a}+snfO{ k|fKt x'Fb} cfPsf] ;s[o ;xof]usf] pRr d'NofÍg ub}{ cfpFbf lbgx¿df cfkm\gf u|fxsju{x¿nfO{ yk :t/Lo ;]jf k|bfg ug{ xfdL sl6a4 /x]sf 5f}+ .

a}+s ;~rfngsf nflu cfb/0fLo z]o/wgL dxfg'efjx¿n] xfdLnfO{ ;'Dkg' ePsf] uxgtd cleef/fnfO{ OdfGbf/Lk"j{s jxg ug{ sl6j4 /x]sf] Joxf]/f cjut u/fpb} o; a}+ssf] pGglt / k|ultsf] nflu z]o/wgLx¿af6 k|fKt lg/Gt/ ;xof]u, ;dy{g / k|]/0ff k|lt s[t1tf JoQm ub{} oxfFx¿af6 lg/Gt/ ;xof]u / ;b\efj kfpg] ljZjf; ;lxt a}+ssf] rf}tkmL{ k|ultsf lglDt k|ltj4 /x]sf] ljZjf; lbnfpg rfxG5f}F . a}+ssf] lg/Gt/ pGglt Pj+ pQ/f]Q/ k|ult tyf ;Dj[l4sf nflu cleefjssf] ?kdf lg/Gt/ dfu{bz{g tyf ;bf ;fy lbg'x'g] cfb/0fLo z]o/wgL dxfg'efjx¿ tyf lgodgsf/L lgsfox¿ g]kfn ;/sf/, g]kfn /fi6« a}+s, g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{nosf ;fy} g]kfn :6s PS:r]Gh ln= tyf cGo k|ToIf jf ck|ToIf ;xof]u k'¥ofpFb} cfpg' ePsf xfd|f ;xof]uL ;+Dk"0f{ lgsfo tyf dxfg'efjx¿ k|lt xflb{s s[t1tf 1fkg ub}{ eljiodf klg o;} u/L oxfFx¿sf] ;fy kfO{/xg] ljZjf; lnPsf 5f}+ .

cGTodf, a}+ssf] lxtsf] nflu lg/Gt/ lqmofzLn eO{ u|fxsju{sf] ;]jfdf ;+nUg ;Dk"0f{ sd{rf/Lx¿n] o; a}+ssf] k|ult xfl;n ug{sf] nflu u/]sf] d]xgt / nuglzntfsf] nflu ljz]if wGojfb lbG5f}+, ;fy} jfx\o n]vfk/LIfs Pj+ ;Dk"0f{ z'e]R5'sx¿nfO{ o; cj;/df xflb{s wGojfb lbg rfxG5f}+ .

wGojfb .

;+rfns ;ldltsf] tkm{af6, /f]zg s]=;L=

cWoIf

ldlt M @)&$, d+l;/ !% ut]

19 ANNUAL REPORT


16

lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# sf] lgod @^ sf] pklgod -@_ ;“u ;Dj4 yk ljj/0fx? M

!= sfg"gL sf/jfxL ;DjGwL ljj/0f M b]xfocg';f/sf] d'2f bfo/ ePsf] eP, d'2f bfo/ ePsf]

ldlt, laifo, d'2f bfo/ ePsf] ;+:yfks jf ;+rfnssf] gfd / ;DefJo sfg"gL pkrf/ ;DjGwL ljj/0f ;dfj]z ul/g' kg]{ M

-s_ q}dfl;s cjwLdf a}+sn] jf a}+s la?4 s'g} d'2f bfo/ ePsf] eP M

a}+lsË Joj;fo ug]{ ;+:yf ePsf]n] shf{ sf/f]jf/sf] l;nl;nfdf bfo/ ePsf d'2f jfx]s cGo s'g} pNn]vgLo d'2f g/x]sf] .

-v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] la?4 k|rlnt lgodsf] cj1f jf kmf}hbf/L ck/fw u/]sf] ;DjGwdf s'g} d'2f bfo/ u/]sf] jf ePsf] ePM

o; ;DaGwdf a}+snfO{ s'g} hfgsf/L k|fKt gePsf] .-u_ s'g} ;+:yfks jf ;+rfns la?4 cfly{s ck/fw u/]sf]

;DjGwdf s'g} d'2f bfo/ ePsf] eP M o; ;DaGwdf a}+snfO{ s'g} hfgsf/L k|fKt gePsf] .

@= a}+ssf] z]o/ sf/f]jf/ ;DjGwL ljZn]if0f M-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]jf/

;DjGwdf Joj:yfkgsf] wf/0ff M bf]>f] ahf/df x'g] z]o/ sf/f]jf/sf] d"No dfu / cfk'lt{sf]

l;4fGt tyf b]zsf] ;du| cfly{s l:yltdf cfwfl/t x'g] ePsf]n] a}+s o; ;DjGwdf t6:y 5 .

-v_ ut aif{sf] k|To]s q}dfl;s cjlwdf a}+ssf] z]o/sf] clwstd, Go'gtd / clGtd d"Nosf ;fy} s'n sf/f]jf/ z]o/ ;+Vof tyf sf/f]jf/ ;+Vof M

o; cjlwsf] z]o/sf] clwstd, Go'gtd, clGtd d"No, sf/f]jf/ ePsf] s'n lbg tyf sf/f]jf/ ;+Vofsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

ljj/0f cflZjg d;fGt, @)&#

kf}if d;fGt, @)&#

r}q d;fGt, @)&#

cfiff9 d;fGt, @)&$

clwstd d"No ($! 850 495 %#^

Go"gtd d"No ^(# 380 321 ##&

clGtd d"No *#) 402 447 #^)

z]o/ sf/f]jf/ ePsf] s'n lbg

%% %& %( %^

sf/f]jf/ ;+Vof (!#( 6859 4659 #*@#

s'n sf/f]jf/ z]o/ ;+Vof

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

#= ;d:of tyf r'gf}tL M ;+ul7t ;+:yfn] axg ug'{ k/]sf] ;d:of tyf r'gf}tL :ki6

?kdf pNn]v ug'{ kg]{ / pQm ;d:of tyf r'gf}tLnfO{ ;+ul7t ;:yfsf] cfGtl/s / afXo egL juL{s/0f u/L To:tf] ;d:of tyf r'gf}tL ;dfwfg ug{ Joj:yfkgn] cjnDjg u/]sf] /0fgLlt ;DjlGw ljj/0f M

-s_ cfGtl/s ;d:of tyf r'gf}tL M zfvf zfvf lj:tf/ tyf d'b|fl:kmltsf] sf/0fn]

;+rfng vr{df x'g] a[l4 . zfvf lj:tf/ tyf gofF ;]jf z'? ug{sf] nflu cfjZos

bIf hgzlQmsf] cefj . sfo{/t bIf sd{rf/Lx¿n] a+}s 5f]8bf x'g ;Sg]

hf]lvd . a+}saf6 k|bfg ul/g] bL3{sflng, dWosflng, rfn' k"FhL

h:tf sf]ifdf cfwfl/t shf{ tyf k|lttkq, hdfgt kq hf/L ug]{ h:tf u}x|sf]ifLo ;]jfx¿ pknJw u/fpFbf x'g ;Sg] ;Defljt hf]lvdx¿ .

lgIf]k tyf shf{ nufgL Jofh b/df x'g] kl/jt{gaf6 c;/ kg]{ hf]lvdx¿ .

;dodf shf{ c;'nL ge} pTkGg x'g] cfly{s hf]lvdx¿ .

a+}sn] k|of]udf NofPsf] Globus Banking So ware

df k|fljlws u8a8Ln] x'g ;Sg] hf]lvd .

19 ANNUAL REPORT


17

-v_ afXo ;d:of tyf r'gf}tL M g]kfn /fi6« a+}s tyf g]kfn ;/sf/n] hf/L ug]{ gLlt,

lgb]{zg tyf sfg"gx¿df x'g] kl/jt{gn] pTkGg x'g ;Sg] ;Defljt hf]lvdx¿ .

l;ldt nufgL If]qdf ePsf] k|lt:kwf{ . lab]zL ljlgdo sf/f]jf/ ubf{ ljlgdo b/df x'g]

kl/jt{gaf6 x'g ;Sg] hf]lvdx¿ . e'sDk tyf gfsfaGbLsf] sf/0f ;du| cy{tGqdf

k/]sf] k|lts'n c;/ . nufgL d}qL jftfj/0fsf] cefj . b]zsf] c:yL/ /fhg}lts l:yltsf sf/0f x'g ;Sg]

hf]lvdx¿ . b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6

pTkGg x'g ;Sg] hf]lvdx¿ .

-u_ /0fgLlt M nfut s6f}tL tyf nfut lgoGq0fsf pkfox¿

cjnDag ul/Psf] . shf{ nufgL k|bfg ubf{ cfjZos cWoog ug]{

ul/Psf] . a+}ssf] gLlt lgod tyf cfGtl/s lgoGq0f k|0ffnL

r':t b'?:t /flvPsf] . eljiodf x'g ;Sg] hf]lvdaf6 aRg sd{rf/Lx¿nfO{

cfjZos tflnd lbg] ul/Psf] . a+}ssf] Banking So ware df x'g ;Sg] tslgsL

u8a8Laf6 aRg cfjZos Back-up /fVg] ul/Psf] . shf{ tyf ;fk6 / nufgL v/fa eO{ x'g ;Sg]

hf]lvdjf6 aRgsf nflu cfjZos hf]lvd sf]ifsf] Joj:yf ul/Psf] .

lalgdo b/df x'g] kl/jt{gaf6 x'g ;Sg] hf]lvdaf6 aRgsf nflu cfjZos ;6xL 36a9 sf]ifsf] Joj:yf ul/Psf] .

a+}ssf] ;+u7gfTds ;+/rgfdf kl/jt{g u/L, s]xL d'Vo sd{rf/Ln] 5f]8\bf klg a}+s lgoldt ?kdf ;]jf k|bfg ug{ ;Ifd agfOPsf] .

19 ANNUAL REPORT


18

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

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

o; cfly{s aif{sf] klxnf] # dlxgf ;Dd a}+ssf] sf/f]jf/ l:ylt lgDg adf]lhd ePsf] cjut u/fpFb5' .

-/sd ?= s/f]8df_

l;=g+= zLif{s #)÷)^÷@)&$

!= lgIf]k tyf ;fk6L 6,030.13

@= nufgL 719.99

#= shf{ tyf ;fk6L 5,442.18

$= v'b d'gfkmf 28.09

a}+ssf] pGgltsf] nflu eljiodf ug'{ kg]{ sfdsf] ;DjGwdf ;~rfns ;ldltsf] ;f]rsf] ;+lIfKt ljj/0f lgDgfg';f/ /x]sf] 5 M

a+}ssf] u|fxs;Ddsf] kx'Fr a9fpg zfvf ;~hfn Pj+ ATM network lj:tf/ ub}{ n}hfg] .

ljk]|if0f ;]jfnfO{ k|efjsf/L agfpg yk /]ld6\ofG; Ph]G;Lx¿;+u ;xsfo{ a9fpb} n}hfg] .

a+}ssf] sf/f]af/df x'g] a[l4nfO{ y]Ug cfjZos k"FhLsf]if k'¥ofpg af]g; z]o/ tyf xsk|b z]o/ hf/L ug]{ .

lgIf]k ;+sng tkm{ ;+:yfut lgIf]ksf] ;fy ;fy} ;j{;fwf/0f hgtfsf] lgIf]k cfsif{0f a[l4 u/L lbuf] lgIf]k kl/rfng ug]{ .

gofF art lgIf]k of]hgfx¿ nfu" ub{} a+}ssf] lgIf]k ;+/rgfdf art lgIf]ksf] cg'kft a9fpg] .

shf{ tyf nufgLsf] u'0f:t/ g36fO{ shf{ nufgL /sd a9fpg] .

shf{sf] gofF of]hgf nfu" ug]{ . kl/jlt{t ;+:yfut :j?knfO{ k|efjsf/L ?kn] nfu"

ug]{ . a+}ssf] sf/f]af/;u+ ;DaGwLt ljljw hf]lvd Go"lgs/0f

ug{sf] nflu cfjZos k"j{ ;ts{tfx¿ ckgfpg] .

@= a}+ssf] cf}Bf]lus tyf Aoa;foLs ;DaGw a}+sn] cfkm\gf] sf/f]jf/;+u ;DalGwt u|fxsx?, Joj;foLs

Pj+ cf}Bf]lus k|lti7fg, ;+3 ;+:yfx? tyf ljleGg lgsfox?;+u ;'dw'/ tyf Joj;foLs ;DaGw sfod ub}{ cfPsf] 5 . of] a}s g]kfn a}+s;{ P;f]lzo;g, g]kfn pBf]u

afl0fHo dxf;+w, g]kfn pBf]u kl/;+3, g]kfn r]Da;{ ckm sd;{, kf]v/f pBf]u afl0fHo dxf;+3sf] ;b:o /x]sf] 5 . a}+ssf] cf}Bf]lus, Joj;flos Pj+ ;fdflhs ;DaGwx¿ cfufdL lbgdf c´} lj:tf/ ub}{ nfg] / o;nfO{ cfˆgf] lxt k|j4{g / sf/f]af/ lj:tf/sf] nflu ;d]t pkof]u ul/g]5 .

a}+ssf] cGt/f{li6«o a}+ls+u ;DaGw a}+ssf] SCB- New York (USD), SCB-Frankfurt (EURO), SCB-London (GBP), SCB- Calcu a (INR), Mashreq Bank-Dubai (USD), Mashreq Bank-Dubai (AED), ICICI Bank- Mumbai (INR), ICICI Bank - Hongkong, Western Union Bank- Austria ( USD), IBK- South Korea (USD), Reserve Bank of India (INR) h:tf Vofltk|fKt cGt/f{li6«o a}+sx¿;+u Ph]G;L vftf /x]sf] 5 .

#= sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx¿ a}+ssf] sf/f]jf/nfO{ c;/ kfg]{ d"Vo s'/fx? lgDg adf]lhd

/x]sf 5g\ M-s_ b]zsf] kl/jlt{t /fhg}lts kl/j]zsf] sf/0fn]

cfly{s ;fdflhs If]qdf kg{ ;Sg] c;/x¿ .-v_ a}lsË gLlt lgoddf ;do ;dodf x'g] kl/jt{gsf]

sf/0fjf6 >[hgf x'g] ;+efljt hf]lvdx¿ .-u_ k"FhL ahf/ tyf 3/hUufsf] d"Nodf cfpg ;Sg]

ptf/ r9fjaf6 x'g ;Sg] hf]lvdx¿ .-3_ ljQLo ;]jf k|bfosx¿sf] ;+Vofdf x'g] a[l4af6

>[lht k|lt:kwf{Tds jftfj/0faf6 ;[hgf x'g] ;Defljt hf]lvdx¿ .

-ª_ lgIf]k ;+sng, nufgL, tyf shf{ ;fk6Lsf] bfo/f ;f+3'l/P/ pTkGg x'g ;Sg] hf]lvdx¿ .

-r_ u}x|sf]ifdf cfwfl/t ;]jfx¿ Kf|bfg ubf{ x'g;Sg] ;+efljt hf]lvdx¿ .

$= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[of

a}ssf] ;fdfGo sf/f]af/sf] l;nl;nfdf b]lvPsf ;fdfGo l6Kk0fL afx]s vf; k|lts"n l6Kk0fL n]vfk/LIf0f k|ltj]bgdf 5}g . n]vfk/LIf0f k|ltj]bgdf pNn]lvt ;'emfjx¿nfO{ tbf?stfsf ;fy a}+sdf sfof{Gjog ul/g] 5 .

%= nfef+z afF8kmfF8 ug{ ;Lkmfl/; ul/Psf] /sd a}+sn] z]o/wgLx¿sf] lxt / a}+ssf] k"FhL kof{Kttf

19 ANNUAL REPORT


19

cg'kftnfO{ ;Gt'lnt /flv o; cfly{s aif{sf] nflu a}+ssf z]o/wgLx¿nfO{ nfef+z ljt/0f ug{ of]Uo /sdaf6 ?= !,!),*%,*!,^$)=)) -cyf{t a}+ssf] xfnsf] r'Qmf k"FhLsf] !% k|ltzt_ nfef+z ljt/0f ug{], h;dWo]af6 ?= ^^,%!,$(,)))=)) a/fa/ -cyf{t a}+ssf] r'Qmf k"FhLsf] ( k|ltzt_ af]g; z]o/ ljt/0f ug]{ / af]gz z]o/ tyf gub nfef+;df nfUg] s/ ;d]t u/L ?= $$,#$,#@,^$)=)) -cyf{t r'Qmf k"FhLsf] ^ k|ltzt_ gub nfef+z ljt/0f ug]{ k|:tfj u/]sf] 5 .

^= hkmt ul/Psf] z]o/ ;+Vof ;dLIff cjlwdf a}+sn] s'g} z]o/ hkmt u/]sf] 5}g .

&= a}+s / o;sf] ;xfos sDkgLsf] sf/f]jf/sf] k|ult a}+ssf] s'g} ;xfos sDkgL g/x]sf] .

*= a}+ssf cfwf/e"t z]o/wgLx?n] a}+snfO{ pknJw u/fPsf] hfgsf/L M

cfwf/e"t z]o/wgLx?n] ;dLIff cjlwdf a}+snfO{ s'g} Joxf]/f hfgsf/L u/fPsf] 5}g .

(= ;dLIff aif{df a}+ssf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/ / a}+ssf] z]o/ sf/f]jf/df lghx? ;+nUg ePsf] eP ;f] ;DaGwdf lghx?jf6 a}+sn] k|fKt u/]sf] hfgsf/L

a}+ssf ;+rfns tyf kbflwsf/Lx?n] ;dLIff aif{df o; a}+ssf] xsk|b z]o/ afx]s cGo s'g} z]o/ vl/b u/]sf] 5}g / a}+ssf] ;+rfns tyf kbflwsf/Lx? ;dLIff cjlwdf a}+ssf] z]o/ sf/f]jf/df ;+nUg ePsf] s'g} hfgsf/L k|fKt

ePsf] 5}g .

!)= a}+s;+u ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] ;DaGwL hfgsf/L M

o:tf] s'g} hfgsf/L a}+snfO{ k|fKt ePsf] 5}g .

!!= a}+sn] cfˆgf] z]o/ cfkm}+n] vl/b u/]sf] laa/0f a}+sn] cfˆgf] z]o/ cfkm}+n] vl/b u/]sf] 5}g .

!@= s"n Joj:yfkg vr{sf] ljj/0f cfly{s aif{ @)&#÷&$ df o; a}+ssf] s"n Joj:yfkg vr{

b]xfo jdf]lhd /x]sf] hfgsf/L u/fpb5f}+ .

-/sd ?= s/f]8df_

qm=;+= Joj:yfkg vr{sf] ljj/0f /sd

!= sd{rf/L vr{ $(=%#

@= sfof{no ;~rfng vr{ $&=@%

s'n Joj:yfkg vr{ 96=78

!#= n]vfkl/If0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/jfxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f] sf] ljj/0f-!_ n]vf kl/If0f ;ldlt M >L uf]lks[i0f Gof}kfg], ;+rfns – ;+of]hs >L cf]d]znfn >]i7, ;+rfns – ;b:o cfGtl/s n]vf kl/Ifs – ;b:o ;lrj-@_ n]vfkl/If0f ;ldltsf ;b:onfO{ j}7s eQf jfx]s

cGo s'g} kfl/>lds÷;'ljwf k|bfg ug]{ ul/Psf] 5}g . ;b:o ;lrj jfx]s cWoIf / ;b:onfO{ k|lt j}7s eQf ?= *,)))÷– k|bfg ul/Psf] 5 .

-#_ ;dLIff cjlwdf n]vf kl/If0f ;ldltsf] !$ j6f j}7s j:of] .

!$= ;~rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] a}+snfO{ s'g} /sd a'emfpg af+sL eP ;f] s'/f

o; a}+ssf ;~rfnsx?, k|d'v sfo{sf/L clws[t, a}+ssf cfwf/e"t z]o/wgLx? tyf lghx?sf glhssf gft]bf/ jf lghx? ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] a}+snfO{ s'g} /sd a'emfpg af+sL /x]sf] 5}g .

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

;+rfnsx¿nfO{ kfl/>ldssf] Joj:yf ul/Psf] 5}g . ;+rfns ;ldltsf] a}7sdf efu lnP jfkt k|lt j}7s cWoIfnfO{ ?= !),)))÷– / ;+rfnsnfO{ ?= *,)))÷– eQf

19 ANNUAL REPORT


20

pknJw u/fOPsf] 5 . o; jfx]s k|lt dlxgf kqklqsf, df]jfOn tyf O{G6/g]6 vr{ afkt ?= !),)))÷– pknJw u/fpg] Aoa:yf /x]sf]5 . ;fy} ?= %) nfv a/fa/sf] b'3{6gf aLdf ul/Psf] 5 . a}+ssf] sfdsf] l;nl;nfdf e|d0f ug'{ kbf{ nfUg] vr{, b}lgs e|d0f eQf cflb a}+ssf] lgodfjnL adf]lhd x'g]5 .

k|d'v sfo{sf/L clws[t tyf d'Vo kbflwsf/Lx¿sf] kfl/>lds, eQf tyf ;'ljwf lgDg adf]lhd /x]sf] 5 .

l;=g+= kb pknJw u/fO{Psf] kfl/>lds,eQf tyf ;'ljwf -?=nfvdf_

!= k|d'v sfo{sf/L clws[t 120.96

@= Gffoj dxfk|jGws tyf k|jGwsx?

347.44

*k|d'v sfo{sf/L clws[tnfO{ e'Qmfg ul/Psf] kfl/>lds, eQf tyf ;'ljwfdf k"j{ k|d'v sfo{sf/L clws[tnfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;l~rt ljbf jfktsf] (Re rement Payment) /sd ;d]t ;dfj]z ePsf] 5 .

k|d'v sfo{sf/L clws[t nufot ;a} sd{rf/Lx?nfO{ af]g; P]g adf]lhd af]g; k|bfg ug]{ ul/Psf] 5 .

a}+ssf] :jLs[t lgodfg';f/ sd{rf/Lx?nfO{ pknAw u/fO{Psf] ;jf/L ;fwgsf] ladf lk|ldod / sd{rf/Lsf] b'3{6gf tyf cf}ifwf]krf/ vr{sf] ladf lk|ldod a}+sn] Aoxf]b}{ cfPsf] 5 .

!^= z]o/wgLx?n] a'lemlng af+sL /x]sf] nfef+zsf] /sd ldlt @)&$ cfiff9 d;fGt;Dddf nfef+z 3f]if0ff ul/Psf]

t/ z]o/wgLx?n] lng afFsLsf] ljj/0f lgDg adf]lhd /x]sf] 5 M–

cfly{s aif{ @)^!÷^@ ?= !#,!(!÷– -;fljs :6]088{ kmfOgfG; lnld6]8sf]_ cfly{s jif{ @)^@÷^# ?= &),@@!÷– -df5fk'R5|] a}+s lnld6]8_ cfly{s aif{ @)^^÷^& ?= #!@,@@@÷– -;fljs :6]088{ kmfOgfG; lnld6]8sf]_ s'n hDdf ?= #(%,^#%÷–

!&= sDkgL P]g, @)^# sf] bkmf !$! adf]lhd ;DklQ vl/b jf lalqm u/]sf] s'/fsf] ljj/0f!= a}+snfO{ cfjZos kg]{ cfˆgf] ;DkQLx?sf] -3/,

hUuf, kl/jxg, sfof{no ;fdfg, kF"hLut lgdf{0f, lnhxf]N8 ;DkQL_ vl/b tyf lalqmsf] ljj/0f ;+nUg jf;nftsf] cg';"rL !$ jdf]lhd 5 .

@= ;DkQL vl/b tyf laqmL ubf{ k|rlnt ahf/ d"Nosf] cfwf/df ul/Psf] 5 . ;DkQL laqmL af6 ePsf] cfDbfgLnfO{ ;+nUg jf;nftsf] cg';"rL @^ df pNn]v ul/Psf] 5 .

!*= sDkgL P]g, @)^# tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'/fx?

o;} k|ltj]bg tyf ljQLo ljj/0fdf plrt 7fpFx?df v'nfO{Psf] .

19 ANNUAL REPORT


21

19 ANNUAL REPORT


22

19 ANNUAL REPORT


23

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

k"FhL tyf bfloTj cg';"rL o; jif{ ¿= ut jif{ ¿=!= z]o/ kF"hL 4.1 7,716,605,100 4,666,430,000 @= hu]8f tyf sf]ifx? 4.2 947,156,910 673,772,751 #= C0fkq tyf a08 4.3 - - $= ltg{ afFsL shf{ ;fk6 4.4 160,703,263 1,234,291,000 %= lgIf]k bfloTj 4.5 58,629,076,680 52,291,877,270 ^= e'QmfgL lbg'kg]{ ljnx? 4.6 2,952,180 616,036 &= k|:tfljt nfefFz 443,432,640 42,204,737 *= cfos/ bfloTj - - (= cGo bfloTj 4.7 1,025,810,912 546,276,035

s'n k"FhL tyf bfloTj 68,925,737,686 59,455,467,829

;Dklt cg';"rL o; jif{ ¿= ut jif{ ¿=!= gub df}Hbft 4.8 1,962,957,137 2,107,171,464 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.9 5,461,439,334 3,808,028,939 #= a}+s ÷ljQLo ;+:yfdf /x]sf] df}Hbft+ 4.10 2,251,670,730 2,082,153,045 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4.11 - - %= nufgL 4.12 6,142,972,440 6,019,143,621 ^= shf{ ;fk6 tyf ljn v/Lb 4.13 51,167,860,081 43,636,186,147 &= l:y/ ;DklQ 4.14 697,389,677 714,584,559 *= u}/ a}lsË ;DklQ 4.15 - - (= cGo ;DklQ 4.16 1,241,448,287 1,088,200,055

s'n ;DklQ 68,925,737,686 59,455,467,829 ;Defljt bfloTj cg';"rL $=!&;~rfnsx¿sf] 3f]if0ff cg';"rL $=@(k"FhLsf]if tflnsf cg';"rL $=#)Hff]lvd efl/t ;DklQ laj/0f tflnsf cg';"rL $=#) -s_k|d"v ;"rsfÍx¿ cg';"rL $=#!k|d"v n]vf gLltx¿ cg';"rL $=#@n]vf ;DaGwL l6Kk0fLx? cg';"rL $=##;+:yfkssf] shf{sf] ljj/0f cg';"rL $=#$n]vf k/LIf0f gePsf] / n]vf k/LIf0f ePsf] ljQLo ljj/0fsf] t'ngfTds ljj/0f cg';"rL $=#%

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

;'efif hd/s§]nk|d'v, laQ tyf of]hgf

lg/h s'df/ >]i7k|d'v sfo{sf/L clws[t

/f]zg s]=;L=cWoIf

uf]lks[i0f Gof}kfg];+rfns

ldlt M sflt{s @, @)&$:yfg M sf7df08f}, g]kfn

Pkm=l;=P= zlz ;Tofn k|aGw ;fem]bf/

l6= cf/= pkfWof P08 s+=, rf6{8{ Psfp06]06;\

ho d's'Gb vgfn;+rfns

/fddfg >]i7;+rfns

ljZj k|sfz uf}td;+rfns

cf]d]z nfn >]i7;+rfns

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

19 ANNUAL REPORT


24



/f]zg s]=;L=cWoIf






/fddfg >]i7;+rfns




gfkmf–gf]S;fg lx;fa

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd

ljj/0f cg';"rL o; jif{ ¿= ut jif{ ¿=

!= Aofh cfDbfgL 4.18 5,118,027,561 3,495,300,235

@= Aofh vr{ 4.19 2,791,035,277 1,637,979,809

v'b Aofh cfDbfgL 2,326,992,285 1,857,320,426

#= sldzg tyf l8:sfp06 4.20 124,789,921 91,419,588

$= cGo ;~rfng cfDbfgL 4.21 301,238,553 226,157,619

%= ;6xL 36j9 cfDbfgL 4.22 133,252,778 118,526,409

s'n ;~rfng cfDbfgL 2,886,273,536 2,293,424,042

^= sd{rf/L vr{ 4.23 495,321,753 466,636,218

&= cGo ;~rfng vr{ 4.24 472,474,573 429,327,851

*= ;6xL 36a9 gf]S;fg 4.22 - 2,015,550

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 1,918,477,210 1,395,444,422

(= ;Defljt gf]S;fgL Joj:yfx? 4.25 142,515,010 136,890,810

;~rfng d'gfkmf 1,775,962,201 1,258,553,612

!)= u}/ ;~rfng cfDbfgL÷vr{ 4.26 120,139,023 32,284,621

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 4.27 134,169,758 126,101,292

lgoldt sf/f]af/af6 ePsf] d'gfkmf 2,030,270,981 1,416,939,525

!@= c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ 4.28 16,114,246 5,850,134

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 2,046,385,228 1,422,789,658

!#= sd{rf/L af]g; Joj:yf 186,035,021 129,344,514

!$= cfos/ Joj:yf 557,866,778 395,222,462

s= o; jif{sf] s/ Joj:yf 527,545,251 371,535,063

v= ljUft jif{;Ddsf] s/ Joj:yf 5,310,137 14,395,123

u= o; jif{sf] :yug s/ cfDbfgL÷vr{ 25,011,391 9,292,276

v'b gfkmf÷gf]S;fg 1,302,483,429 898,222,681

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

19 ANNUAL REPORT


25

gfkmf gf]S;fg af“8kmf“8 lx;fa @)&#.)$.)! b]lv @)&$.)#.#! ;Dd

ljj/0f cg';"rL o; jif{ ¿= ut jif{ ¿=

cfDbfgL

!= ut jif{;Ddsf] ;l~rt d'gfkmf 2,547,684 3,585,453

@= z]o/ lk|ldodaf6 ;fl/Psf] 79,482,370 112,792,334

#= o; jif{sf] d'gfkmf 1,302,483,429 898,222,681

$= :yug s/ hu]8f sf]if 25,011,391 9,292,276

%= ;6xL 36a9 sf]if - 2,015,550

^= nufgL ;dfof]hg sf]if - 378,664

hDdf 1,409,524,874 1,026,286,958

vr{

!= ut jif{;Ddsf] ;l~rt gf]S;fg - -

@= o; jif{sf] gf]S;fg - -

#= ;fwf/0f hu]8f sf]if 260,496,686 179,644,537

$= e}k/L cfpg] hu]8f - -

%= ;+:yf ljsf; sf]if - -

^= nfef+z ;dLs/0f sf]if - -

&= sd{rf/L ;DaGwL hu]8fx¿ - -

*= k|:tfljt gub nfef+z 443,432,640 42,204,737

(= k|:tfljt af]g; z]o/ 665,149,000 801,890,000

!)= ljz]if hu]8f sf]if - -

!!= ;6xL 36a9 sf]if 486,990 -

!@= k"FhL lkmtf{ hu]8f sf]if - -

!#= k"FhL ;dfof]hg sf]if - -

!$= sd{rf/L bIftf clej[[lw sf]if 7,247,716 -

!%= ;+:yfut ;fdflhs pQ/bfloTj sf]if 13,024,834 -

!^= nufgL ;dfof]hg sf]if 1,857,642 -

hDdf 1,391,695,509 1,023,739,274

;l~rt d'gfkmf÷-gf]S;fg_ 17,829,364 2,547,684



/f]zg s]=;L=cWoIf






/fddfg >]i7;+rfns




19 ANNUAL REPORT


26



/f]zg s]=;L=cWoIf






/fddfg >]i7;+rfns




gub k|jfx ljj/0f @)&#.)$.)! b]lv @)&$.)#.#! ;Dd

ljj/0f o; jif{ ¿= ut jif{ ¿=s_ sf/f]af/ ;~rfngaf6 gub k|jfx 504,033,039 -538,819,819_!= gub k|flKt 5,757,880,527 4,073,002,963 !=! Aofh cfDbfgL 5,063,059,715 3,473,681,867 !=@ sldzg tyf l8isfpG6 cfDbfgL 134,222,757 91,419,588 !=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 131,304,816 118,526,409 !=$ ckn]lvt shf{sf] c;'nL 17,932,501 5,850,134 !=% cGo cfDbfgL 411,360,738 383,524,966 @= gub e'QmfgL 3,981,547,944 3,206,351,528 @=! Aofh vr{ 2,550,965,262 1,665,127,769 @=@ sd{rf/L vr{ 487,776,590 470,097,776 @=# sfof{no ;~rfng vr{ 386,386,375 425,866,293 @=$ cfos/ e'QmfgL 556,419,717 645,259,689 @=% cGo vr{ - - sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 1,776,332,583 866,651,436 ;~rfng ;DjGwL rfn' ;DklQdf sdL÷-j[l4_ -7,533,131,032_ -9,535,016,801_!= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ - - @= cGo cNksfnLg nufgLdf sdL÷-j[l4_ - - #= shf{ tyf ljN; v/Lbdf sdL÷-j[l4_ (7,432,627,278) (9,374,883,305)$= cGo ;DklQdf sdL÷-j[l4_ (100,503,754) (160,133,496);~rfng ;DaGwL rfn' bfloTjdf -sdL_÷j[l4 6,260,831,488 8,129,545,546 != lgIf]k bfloTjdf -sdL_÷j[l4 6,337,199,410 8,086,240,018 @= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 - - #= cNksfnLg ;fk6Ldf -sdL_÷j[l4 (14,291,000) 14,291,000 $= cGo bfloTjdf -sdL_÷j[l4 (62,076,922) 29,014,528 -v_ nufgL sf/f]af/df gub k|jfx -190,274,244_ -1,533,509,693_!= bL3{sfnLg nufgLdf sdL÷-j[l4_ (122,890,094) (1,531,770,622)@= :yL/ ;DklQdf sdL÷-j[l4_ (68,859,020) (2,757,636)#= bL3{sfnLg nufgLdf Aofh cfDbfgL - - $= nfef+z cfDbfgL 1,474,870 1,018,566 %= cGo - - -u_ ljQLo >f]t sf/f]af/af6 gub k|jfx 1,363,006,996 1,685,154,401 != bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df j[l4÷-sdL_ - - @= z]o/ k"FhLdf j[l4÷-sdL_ 2,464,508,470 493,209,138 #= cGo bfloTjdf j[l4÷-sdL_ - - $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_ (1,059,296,737) 1,220,000,000 %= nfef+z e'TfmfgL (42,204,737) (28,054,737)-3_ gub tyf a}s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL ÷vr{ 1,947,962 -2,015,549_-ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 1,678,713,753 -389,190,660_-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 7,997,353,448 8,386,544,108 5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 9,676,067,201 7,997,353,448

19 ANNUAL REPORT


27

OSjL

6Ld

f ePs

f] kl/

jt{g

;Da

GwL l

jj/0

f

cf=j= @)

&#.&$

¿= df

ljj/

0fz]o/

k"FhL

;l~r

t gf= gf]=

;fwf

/0f

hu]8

f sf]if

k|:tfljt

af]g;

z]o/

;6xL

36a9

sf]if

:yug

s/

hu]8

fk"Fh

L ;d

fof]h

g sf]if

z]o/

lk|ldo

dsd{r

f/L

bIftf

clej[[l4

sf]if

;+:yfut

;f

dflh

s

pQ/b

floTj

sf]if

nufgL

;dfof]h

g sf]if

cGo

hu]8

f ty

f sf]if

s'n /

sd

Z'f?

df}Hbft

3,864

,540

,000

2

,547

,684

6

03,6

89,33

1 8

01,8

90,0

00

8,7

93,32

0 4

3,645

,633

-

-

-

-

5

,096

,783

-

5,34

0,20

2,75

2

;dfof]h

gM

af]g;

z]o/

801

,890

,000

-

-

(8

01,8

90,0

00)

-

-

-

-

-

-

-

-

-

;dfof]lh

t z'?

df}Hb

ft4,6

66,43

0,000

2,54

7,68

4 60

3,689

,331

-

8,793,

320

43,64

5,633

-

-

15,096

,783

-

5,340

,202,7

52

;dfof]h

gx?

M

v'b

gfkmf÷

gf]S;

fg

-

1,302

,483

,429

-

-

-

-

-

-

-

-

-

-

1,

302,

483,4

29

;fwf/0f h

u]8f sf]if

-

(260

,496

,686

)26

0,49

6,68

6 -

-

-

-

-

-

-

-

-

-

k|:tfljt

gub

nfe

f+z -

(4

43,4

32,64

0) -

-

-

-

-

-

-

-

-

-

(4

43,4

32,6

40)

k|:tfljt

af]g;

z]o/

-

(665

,149

,000

) -

6

65,1

49,0

00

-

-

-

-

-

-

-

-

-

z]o/

afkt

clu|d

e'St

fgL

-

-

-

-

-

-

-

-

-

-

-

-

-

xsk|b

z]o/

1,89

5,08

7,10

0 -

-

-

-

-

-

-

-

-

-

-

1,

895,

087,

100

Unsu

bscr

ibed

xsk|b

z]o/

sf]

lnnfd

ljqmLaf6

37,

182,

900

79,

482,

370

116

,665

,270

z]o/

lk|ldod

-

79,

482,

370

-

-

-

-

-

(79,

482,

370)

-

-

-

-

-

;6x

L 36a

9 sf]if

-

(486

,990

) -

-

4

86,9

90

-

-

-

-

-

-

-

-

:yug

s/ hu]8

f -

2

5,01

1,39

1 -

-

-

(2

5,01

1,391

) -

-

-

-

-

-

-

k"\FhL ;dfof]h

g sf]if

-

-

-

-

-

-

-

-

-

-

-

-

-

sd{rf/L bI

ftf

clej[[lw

sf]if

-

(7,2

47,7

16)

-

-

-

-

-

-

7,24

7,71

6 -

-

-

-

;+:y

fut

;fd

flhs

pQ/b

floTj

sf]if

-

(13,0

24,8

34)

-

-

-

-

-

-

-

13,0

24,8

34

-

-

-

nufg

L ;dfo

f]hg

sf]if

-

(1,8

57,6

42)

-

-

-

-

-

-

-

-

1,8

57,64

2 -

-

clGtd

df}Hb

ft6,59

8,70

0,00

0 17,

829,36

4 86

4,18

6,017

665

,149

,000

9,28

0,311

18,634

,242

–

–

7,24

7,71

6 13,024

,834

16

,954,

425

–8,

211,00

5,91

1

19 ANNUAL REPORT


28

cg';"rL $=!

z]o/ k"“hL tyf :jfldTj

-@)&$ ;fn cfiff9 d;fGt_

ljj/0f o; jif{ ¿= ut jif{ ¿=

!= z]o/ k"FhL

!=! clws[t k"FhL 10,000,000,000 10,000,000,000

s_ !)),))),))) ;fwf/0f z]o/ k|lt z]o/ ¿= !)) n] 10,000,000,000 10,000,000,000

v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ======= n] - -

u_ ========= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ====n] - -

!=@ hf/L k"FhL 7,390,544,000 5,796,810,000

s_ &#,()%,$$) ;fwf/0f z]o/ k|lt z]o/ ¿= !)) sf b/n] ut jif{ %&, (^*, !)) ;fwf/0f z]o/ k|lt z]o/ ?= !)) b/n]

7,390,544,000 5,796,810,000

v_ ========= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ======= n] - -

u_ ========= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ============n] - -

!=# r'Qmf k"FhL 6,598,700,000 3,864,540,000

s_ ^%,(*&,)));fwf/0f z]o/ k|lt z]o/ ¿= !)) sf b/n] ut jif{ #*,^$%,$)) ;fwf/0f z]o/ k|lt z]o/ ?= !)) b/n]

6,598,700,000 3,864,540,000

v_ ============ gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿========= n] - -

u_ ==============l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ============n] - -

!=$ k|:tfljt af]g; z]o/ 665,149,000 801,890,000

!=% sN; Og P8efG; -$,%@&,%^! z]o/_ 452,756,100 –

!=^ hDdf -!=#±!=$±!=%_ 7,716,605,100 4,666,430,000

z]o/ :jfldTj ljj/0f o; aif{ ¿= ut aif{ ¿=

Ü z]o/ k"FhL Ü z]o/ k"FhL

!= :jb]zL :jfldTj 100 6,598,700,000 100 3,864,540,000

!=! g]kfn ;/sf/ - - - -

!=@ æsÆ ju{sf Ohftkq k|fKt ;:yfx? - - - -

!=# cGo Ohfhtkqk|fKt ;+:yfx¿ - - - -

!=$ cGo ;+:yfx¿ 10.46 690,263,100 11.64 449,920,380

!=% ;j{;fwf/0f 89.54 5,908,436,900 88.36 3,414,619,620

!=^ cGo - - - -

@= j}b]lzs :jfldTj – – – –

hDdf 100=00 6,598,700,000 100=00 3,864,540,000

19 ANNUAL REPORT


29

cg';"rL $=!-s_

z]o/ k"“hL tyf :jfldTj

z]o/ :jfldTjdf )=% k|ltzt eGbf a9L :jfldTj x'g] z]o/wgLx?sf] ljj/0f

qm=;+= gfd o; jif{ ut jif{

/sd k|ltzt /sd k|ltzt

1 8f= ;'/]Gb| dxtf] 943,823,500 14.30Ü 552,751,400 14.30Ü

2 8f= pk]Gb| dxtf] 602,916,900 9.14Ü 353,098,900 9.14Ü

3 lks]cf/ OGe]i6d]G6 sDkgL k|f= ln= 433,588,300 6.57Ü 253,931,800 6.57Ü

4 k|]d s'df/L s]=;L= 577,805,900 8.76Ü 338,392,800 8.76Ü

5 /fd cflzif ;fx' ;'l9 279,462,300 4.24Ü 163,667,600 4.24Ü

6 s[i0f uf]kfn >]i7 139,998,800 2.12Ü 84,776,700 2.19Ü

7 a}Bgfy zdf{ 136,209,200 2.06Ü 79,771,200 2.06Ü

8 8f= wd{/fh >]i7 133,980,500 2.03Ü 78,465,900 2.03Ü

9 lbg]z nfn >]i7 35,405,000 0.54Ü 29,712,300 0.77Ü

10 k|sfz s]=;L= 111,360,300 1.69Ü 65,218,500 1.69Ü

11 lx/0o k|sfz w/ 88,402,500 1.34Ü 55,924,800 1.45Ü

12 ls/0f s]=;L= 97,896,600 1.48Ü 57,333,300 1.48Ü

13 Pletf O{Ge];d]]]]G6 k|f=ln= 33,636,400 0.51Ü 35,751,200 0.93Ü

14 /f]zg s]=;L= 97,895,300 1.48Ü 57,332,600 1.48Ü

15 u0f]z axfb'/ >]i7 78,317,700 1.19Ü 45,867,000 1.19Ü

16 k|f0f]Zj/ kf]v/]n 63,991,300 0.97Ü 39,217,900 1.01Ü

17 s/0f df]6/ sDkgL k|f=ln= 52,915,700 0.80Ü 30,938,900 0.80Ü

18 >L lxdfnog O{G6/k|fO{h]h k|f= ln= 52,691,700 0.80Ü 30,938,900 0.80Ü

19 lg/h uf]laGb >]i7 – 0.00Ü 22,080,600 0.57Ü

20 cfhfb >]i7 42,035,700 0.64Ü 25,418,300 0.66Ü

21 Pl;og nfO{km OG:of]/]G; s= ln= – 0.00Ü 25,043,008 0.65Ü

22 xl/eQm l;Ub]n 34,543,200 0.52Ü 20,230,300 0.52Ü

23 /fhg nfn >]i7 37,931,800 0.57Ü 20,149,000 0.52Ü

hDdf 4,074,808,600 2,466,012,908

19 ANNUAL REPORT


30

cg';"rL $=@

hu]8f tyf sf]ifx?

@)&$ ;fn cfiff9 d;fGt


!= ;fwf/0f÷j}Wfflgs hu]8f sf]if 864,186,017 603,689,331

@= k"FhLut hu]8f sf]if - -

#= k"FhL lkmtf{ hu]8f sf]if -Capital Redemp on Reserve_ - -

$= k"FhL ;dfof]hg sf]if - -

%= cGo hu]8f tyf sf]if 55,861,218 58,742,416

%=!= e}k/L cfpg] hu]8f - -

%=@= ;+:yf ljsf; sf]if - -

%=#= nfef+z ;dLs/0f sf]if - -

%=$= ljz]if hu]8f sf]if - -

%=%= ;DklQ k'gd"{NofÍg sf]if - -

%=^= :yug s/ hu]8f 18,634,242 43,645,633

%=&= cGo :jtGq sf]if - -

%=*= sd{rf/L bIftf clej[[l4 sf]if 7,247,716 -

%=(= ;+:yfut ;fdflhs pQ/bfloTj sf]if 13,024,834 -

%=!)= nufgL ;dfof]hg sf]if 16,954,425 15,096,783

^= ;l~rt gfkmf÷gf]S;fg 17,829,364 2,547,684

&= ;6xL 36a9 sf]if 9,280,311 8,793,320

hDdf 947,156,910 673,772,751

19 ANNUAL REPORT


31

cg';"rL $=#

C0fkq tyf j08



!= =======k|ltzt j08÷C0fkq k|lt j08÷C0fkq===?= n] === - -

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

-xfn;Ddsf] l/l8Dk;g\ l/he{ /sd ¿= =========================_

@= ====== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ===== ¿= n] === - -

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

-xfn;Ddsf] l/l8Dk;g\ l/he{ /sd ¿= =========================_

#= ========================================================================= - -

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

hDdf !±@±# - -

cg';"rL $=$

ltg{ af“sL shf{ -;fk6L_


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

s= :jb]zL

! g]kfn ;/sf/ - -

@= g]kfn /fi6« a}+s 160,703,263 1,220,000,000

#= l/kf] bfloTj - -

$= cGt/ a}+s tyf ljQLo ;+:yf - -

%= cGo ;+ul7t ;+:yfx¿ - -

^= cGo - -

hDdf 160,703,263 1,220,000,000

v= ljb]zL - -

!= a}+sx? - 14,291,000

@= cGo - -

hDdf - 14,291,000

hDdf -s±v_ 160,703,263 1,234,291,000

19 ANNUAL REPORT


32

cg';"rL $=%

lgIf]k lx;fa



!= Aofh ltg'{ gkg]{ vftfx¿

s= rNtL lx;fa 2,146,611,195 2,069,527,625

!= :jb]zL d'b|fdf 2,090,418,861 2,031,628,030

!=! g]kfn ;/sf/ 114,368,991 138,314,843

!=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? 864,462 11,904,815

!=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx¿ 132,089,094 186,862,476

!=$ cGo ;+ul7t ;+:yfx¿ 1,823,077,304 1,668,953,136

!=% JolQmut 20,019,010 25,592,760

!=^ cGo - -

@= ljb]zL d'b|fdf 56,192,335 37,899,596

@=! g]kfn ;/sf/ - -

@=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? - -

@=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx¿ - -

@=$ cGo ;+ul7t ;+:yfx¿ 55,986,599 37,686,435

@=% JolQmut 205,736 213,161

@=^ cGo - -

v= dflh{g 431,165,376 376,582,036

!= sd{rf/L hdfgt - -

@= hdfgt dflh{g 102,489,035 70,009,650

#= k|lttkq dflh{g 328,676,341 306,572,386

u= cGo - -

!= :jb]zL d'b|fdf - -

!=! ljQLo ;+:yfx¿ - -

!=@ cGo ;+ul7t ;+:yfx¿ - -

!=# JolQmut - -

@= ljb]zL d'b|fdf - -

@=! ljQLo ;+:yfx¿ - -

@=@ cGo ;+ul7t ;+:yfx¿ - -

@=# JolQmut - -

Aofh ltg'{ gkg]{ vftfx¿sf] hDdf 2,577,776,572 2,446,109,661

19 ANNUAL REPORT


33

@= Aofh ltg'{ kg]{ vftfx¿

s= art lx;fa 19,296,983,301 21,208,578,027

!= :jb]zL d'b|fdf 19,254,188,439 21,170,972,281

!=! ;+3 ;+:yfx¿ - -

!=@ JolQmut 19,254,188,439 21,170,972,281

!=# cGo - -

@= ljb]zL d'b|fdf 42,794,862 37,605,746

@=! ;+3 ;+:yfx¿ - -

@=@ JolQmut 42,794,862 37,605,746

@=# cGo - -

v= d"2tL lx;fa 31,629,049,285 17,413,519,545

!= :jb]zL d'b|fdf 30,868,848,785 17,412,447,545

!=! ;+3 ;+:yfx¿ 25,703,155,705 10,158,889,130

!=@ JolQmut 5,165,693,080 7,253,558,415

!=# cGo - -

@= ljb]zL d'b|fdf 760,200,500 1,072,000

@=! ;3 ;+:yfx¿ 760,200,500 1,072,000

@=@ JolQmut - -

@=# cGo - -

u= dfu]sf] avt ltg'{ kg]{ lx;fa 5,125,267,522 11,223,670,037

!= :jb]zL d'b|fdf 4,627,885,938 9,638,599,634

!=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? - -

!=@ cGo O=k|f=ljQLo ;+:yfx¿ 1,631,743,643 5,109,946,589

!=# cGo ;+ul7t ;+:yfx¿ 1,404,955,357 3,344,048,681

!=$ JolQmut 1,591,186,938 1,184,604,364

!=% cGo - -

@= ljb]zL d'b|fdf 497,381,585 1,585,070,403

@=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? 433,036 108,801

@=@ cGo O=k|f=ljQLo ;+:yfx¿ - -

@=# cGo ;+ul7t ;+:yfx¿ 496,948,548 1,584,961,603

@=$ JolQmut - -

@=% cGo - -

#= ;l6{lkms]6 ckm l8kf]lh6 - -

!= ;+ul7t ;+:yf - -

@= JolQmut - -

#= cGo - -

Aofh ltg'{ kg]{ vftfx¿sf] hDdf 56,051,300,109 49,845,767,609

-!+@_ hDdf lgIf]k 58,629,076,680 52,291,877,270

19 ANNUAL REPORT


34

cg';"rL $=^

e'QmfgL lbg' kg]{ ljnx?



!= :jb]zL d'b|f 2,952,180 616,036

@= ljb]zL d'b|f - -

hDdf 2,952,180 616,036

cg';"rL $=&

cGo bfloTj



!= k]G;g÷pkbfg sf]if - -

@= sd{rf/L ;~ro sf]if - 28,944

#= sd{rf/L sNof0f sf]if 100,202 150,202

$= sd{rf/L af]g; Joj:yf 186,035,021 129,344,514

%= lgIf]kdf e'QmfgL lbg af+FsL Aofh 365,895,442 125,680,713

^= ;fk6Ldf e'QmfgL lbg af+FsL Aofh 1,187,888 1,332,603

&= kfsL g;s]sf] l8:sfp06 / sldzg 36,963,374 27,530,538

*= ;G8«L q]ml86;{ 65,426,867 63,794,100

(= zfvf ldnfg lx;fa - -

!)= :yug s/ bfloTj - -

!!= e'QmfgL lbg afFsL nfef+z 395,636 424,441

!@= cGo 369,806,483 197,989,979

!@=! ljbf jfkt Joj:yf 110,567,254 103,022,091

!@=@ ltg{ afFsL kl/kSj d'2tL 134,805,693 6,754,617

!@=# cGo 124,433,536 88,213,271

hDdf 1,025,810,912 546,276,035

19 ANNUAL REPORT


35

cg';"rL $=*

gub df}Hbft



!= :jb]zL d'b|f -l;Ssf ;d]t_ 1,943,953,379 2,086,410,591

@= ljb]zL d'b|f 19,003,758 20,760,873

hDdf 1,962,957,137 2,107,171,464

cg';"rL $=(

g]kfn /fi6« a}+sdf /x]sf] df}Hbft


ljj/0f :jb]zL d'b|f ljb]zL d'b|f ?=df s'n ¿= ut jif{ ¿=

ef=¿= kl/jTo{ lj=d'= hDdf

g]kfn /fi6« a}+s

s= rNtL vftf 5,417,749,386 - 43,689,948 43,689,948 5,461,439,334 3,808,028,939

v= cGo vftf - - - - - -

hDdf 5,417,749,386 – 43,689,948 43,689,948 5,461,439,334 3,808,028,939

gf]6M g]kfn /fi6« a}+ssf] df}Hbft ;d{yg kq adf]lhd ¿= 5,497,140,443 /x]sf] 5 .

19 ANNUAL REPORT


36

cg';

"rL $=!)

a}+s÷

ljQ

Lo ;

+:yfd

f /x

]sf] d

f}Hb

ft

@)&$

;fn

cfiff9 d

;fGt

ljj/

0f:j

b]zL d'b

|fljb]z

L d'b

|f ¿=df

s'n ¿

=ut

jif{

¿=

ef=¿

=kl/j

To{ lj=d'=

hDd

f

!= :jb

]zL Oh

fhtk

q k|fKt ;

+:yfx?

429

,741

,867

-

7

,436

,776

7

,436

,776

4

37,178

,643

5

20,628

,753

s= rNt

L vft

f 4

29,7

41,

867

-

7

,436

,776

7

,436

,776

4

37,1

78,6

43

520

,628

,753

v= cGo

vft

f -

-

-

-

-

-

@= ljb

]zL a}+s

x¿ -

172

,698

,941

1,641

,793

,146

1,8

14,4

92,087

1,81

4,49

2,08

7 1,561

,524

,291

s= rNt

L vft

f -

1

72,6

98,9

41

1,6

41,

793,

146

1,8

14,4

92,0

87

1,814

,492

,087

1,56

1,52

4,2

91

v= cGo

vft

f -

-

-

-

-

-

hDd

f 4

29,7

41,8

67

172

,698

,941

1,649

,229

,922

1,8

21,928

,862

2,25

1,67

0,73

0 2

,082

,153

,045

gf]6M ;

d{yg

kq a

df]lh

dsf] df}Hbft ¿

= 2,

295,

518,3

07 /x

]sf] 5 .

19 ANNUAL REPORT


37

cg';"rL $=!!

dfu tyf cNk;'rgfdf k|fKt x'g] /sdx?



!= :jb]zL d'b|fdf - -

@= ljb]zL d'b|fdf - -

hDdf - -

cg';"rL $=!@

nufgL


ljj/0f k|of]hg o; jif{ ¿= ut jif{ ¿=

Jofkfl/s cGo

!= g]kfn ;/sf/sf] 6«]h/L ljn - 942,919,746 942,919,746 1,460,713,966

@= g]kfn ;/sf/sf] art kq - - - -

#= g]kfn ;/sf/sf] cGo C0fkq - 3,671,900,000 3,671,900,000 2,971,900,000

$= g]kfn /fi6« a}s C0f kq - - - 200,000,000

%= ljb]zL C0f kq - 207,584,098 207,584,098 217,467,466

^= :jb]zL Ohfhtkq k|fKt ;+:yf - 69,577,357 69,577,357 72,309,187

&= ljb]zL a}s - 1,134,650,000 1,134,650,000 1,072,000,000

*= ;+ul7t ;+:yfx?sf] z]o/ - 27,350,082 27,350,082 24,869,157

(= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf aG8 - - - -

!)= cGo nufgL - 90,401,170 90,401,170 -

s'n nufgL - 6,144,382,453 6,144,382,453 6,019,259,776

Joj:yf - - 1,410,013 116,155

v'b nufgL - 6,144,382,453 6,142,972,440 6,019,143,621

19 ANNUAL REPORT


38

cg';"rL $=!@ -s_

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

ljj/0f k/n df]n ¿= ahf/ d'Nofg';f/ ¿=

Joj:yf /sd ¿=

o; jif{ ¿= ut jif{ ¿=

!= z]o/ nufgL

!=! shf{ ;'rgf s]Gb| 1,330,000 - - 1,330,000 1,330,000

13,300 ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r"Qmf - -

26,099 af]g; z]o/ - -

!=@ g]zgn a}+}+lÍË 6«]lgË OG:6LRo'6 ln= 1,200,000 - - 1,200,000 1,200,000

12,000 ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r"Qmf - -

!=# g]kfn SnLol/Ë xfp; s= ln= 2,500,000 - - 2,500,000 2,500,000

25,000 ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r"Qmf

!=$ g]kfn nfOkm OG:of]/]G; s= ln= 2,480,925 4,674,048 - 2,480,925 -

!&$! ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r"Qmf

$#% af]g; z]o/

!=% a'6jn kfj/ s= ln= 4,839,157 3,504,860 1,334,297 4,839,157 4,839,157

4733 ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r"Qmf

-550 af]g; z]o/ ;d]t_

!=^ g]kfn O{n]S6«f]lgs k]d]G6 l;:6d 15,000,000 - - 15,000,000 15,000,000

150,000 k|a4s z]o/, k|lt z]o/ ¿= !)) n] r"Qmf

@= Do"rn km08df nufgL

@=! Pg Pd la xfOla|8 km08 12,619,210 12,543,495 75,715 12,619,210 -

!,@^!,(@! OsfO k|lt OsfO ? !)

@=@ glan OSjL6L km08 9,012,020 9,012,020 - 9,012,020 -

(,)!,@)@ OsfO k|lt OsfO ? !)

@=# PgcfOlaPn k|ult km08 10,274,070 10,274,070 - 10,274,070 -

!,)@&,$)& OsfO k|lt OsfO ? !)

@=$ nIdL OSjL6L km08 58,495,870 58,495,870 - 58,495,870 -

%,*$(,%*& OsfO k|lt OsfO ? !)

@=% cGo - - - -

#= l8j]Gr/ tyf j08 nufgL

#=! Af}+s ckm l;nf]g 207,584,098 210,147,495 - 207,584,098 217,467,466

s'n nufgL 325,335,350 325,335,350 242,336,623

$= hf]lvd ;DaGwL Joj:yf

$=! ut jif{ ;Ddsf] Joj:yf 116,155 - - 116,155 1,579,546

$=@ o; jif{sf] yk÷36 1,293,857 - - 1,293,857 (1,463,391)

s'n Joj:yf 1,410,012 - - 1,410,012 116,155

v'b nufgL 323,925,338 323,925,338 242,220,468

19 ANNUAL REPORT


39

cg';"rL – $=!@=!

Jofkfl/s nufgL -Held For Trading_@)&$ ;fn cfiff9 d;fGt

¿=

ljj/0f k/n d"No kl5Nnf] ahf/ d"No -s_

xfnsf] ahf/ d"No -v_

o; jif{ gfkmf÷gf]S;fg /sd -v— s_

ut jif{ gfkmf÷gf]S;fg

/sd

s}lkmot

!= g]kfn ;/sf/sf] 6«]h/L ljn - - - - - -

@= g]kfn ;/sf/sf] art kq - - - - - -

#= g]kfn ;/sf/sf] cGo C0fkq - - - - - -

$= g]=/f= a+}s C0fkq - - - - - -

%= ljb]zL C0f kq - - - - - -

^= :jb]zL Ohfhtkq k|fKt ;+:yfsf]] z]o/ - - - - - -

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf a08 - - - - - -

*= :jb]zL ;+ul7t ;:yfsf] z]o/, l8j]Gr/ tyf a08 - - - - - -

(= lab]zL a}+s nufgL -Placement_ - - - - - -

!)=cGt/ a}+s ;fk6L -Interbank Lending_ - - - - - -

!!=cGo nufgL - - - - - -

s'n nufgL - - - - - -

cg';"rL – $=!@=@

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

¿=

ljj/0f k/n d"No -s_ xfn;Ddsf] Iflt /sd

-v_

o; jif{sf] Iflt /sd

-u_

o; jif{ gfkmf÷-gf]S;fg_ /sd

-s–v–u_

ut jif{ gfkmf÷-gf]S;fg_ /sd

s}lkmot

!= g]kfn ;/sf/sf] 6«]h/L ljn 942,919,746 - - - - -

@= g]kfn ;/sf/sf] art kq - - - - - -

#= g]kfn ;/sf/sf] cGo C0fkq 3,671,900,000 - - - - -

$= g]=/f= a}+s C0fkq - - - - - -

%= ljb]zL C0fkq 207,584,098 - - - - -

^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ - - - - - -


*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 - - - - - -

(= ljb]zL a+}s nufgL -Placement_ 1,134,650,000 - - - - -

!)= cGo nufgL 69,577,357 - - - - -

s'n nufgL 6,026,631,201 - - - - -

19 ANNUAL REPORT


40

cg';"rL – $=!@=#

laqmLsf nflu pknJw nufgL -Available for Sale_

@)&$ ;fn cfiff9 d;fGt¿=

ljj/0f k/n d"No kl5Nnf] ahf/ d"No -s_

xfnsf] ahf/ d"No -v_

o; jif{ sf]if ;dfof]hg-v – s_

ut aif{ gfkmf÷gf]S;fg

/sd

s}lkmot

!= g]kfn ;/sf/sf] 6«]h/L ljn - - - - - -

@= g]kfn ;/sf/sf] artkq - - - - - -

#= g]kfn ;/sf/sf] cGo C0fkq - - - - - -

$= g]=/f= a}s C0fkq - - - - - -

%= ljb]zL C0fkq - - - - - -

^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ - - - - - -


*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 27,350,082 - - - - -

(= ljb]zL a}sdf nufgL -Placement_ - - - - - -

!)= cGo nufgL 90,401,170 - - - - -

s'n nufgL 117,751,252 - - - - -

19 ANNUAL REPORT


41

¿=

cg';

"rL $=!#

sh

f{ ;fk

6 t

yf l

jn v

l/b

ju

L{s/0

f / ;

f]sf] n

flu Jo

j:y

f@)

&$ ;

fn c

fiff9 d

;fGt

ljj/

0f

shf{

v/Lb

tyf l8

:sfp

G6 u

l/Ps

f ljn

o; j

if{ ¿=

ut j

if{ ¿=

:jb]z

L

ljb]z

LhDd

f:j

b]zL

ljb]z

LhDd

fk|f=If]=

cGo

ljldt

cljldt

!= ;

lqmo s

hf{ ;f

k6 (

Perf

orm

ing)

-

2,5

85,

322,

212

48,0

71,5

07,4

16

-

50,

656,

829

,627

-

1

,014

,106

,316

1

,014

,106

,316

5

1,67

0,93

5,94

3 4

3,992

,735

,116

!

=! c

;n

-

2,58

4,9

06,1

68

47,

329,

092,

763

-

49,

913,

998,9

32

-

1,0

14,1

06,3

16

1,0

14,1

06,3

16

50,9

28,1

05,2

47

43,422

,108

,098

!

=@ ;

'Id lgu

/gL

-

416

,044

742,

414

,652

-

7

42,

830

,696

-

-

-

7

42,

830

,696

5

70,6

27,0

18

@= lgl:q

mo s

hf{ ;

fk6

(Non

Per

form

ing)

-

36,548

,660

15

9,28

5,88

5 -

195,83

4,54

5 -

-

-

195,83

4,54

5 24

1,496

,528

@=! c

;nsf] k

'g/tf

lns/0

f÷ k

'g/;+/

rgf

-

-

3,6

89,

087

-

3,6

89,

087

-

-

-

3,6

89,

087

1,4

69,6

56

@

=@ s

d;n

-

143,

332

36,

965,

185

-

37,

108,5

17

-

-

-

37,

108,5

17

122

,189,

983

@

=# z

+sf:kb

-

182,

931

29,

914,7

28

-

30,

097,

659

-

-

-

30,

097,

659

15,

137,

512

@

=$ v

/fa

-

36,

222,

397

88,7

16,8

84

-

124

,939

,281

-

-

-

124

,939

,281

102

,699

,377

-s_ s'n s

hf{

-

2,621,870

,872

48

,230

,793

,301

-

50,852

,664,

173

-

1,014,

106,3

16

1,014,

106,3

16

51,86

6,770

,489

44,23

4,231

,644

#=shf{ gf]S;

fgL Jo

j:yf

#

=! c

;n

-

2

5,849,

062

476

,052

,372

-

5

01,9

01,4

33

-

10,

141,

063

10,

141,

063

512

,042,

497

4

34,2

21,0

81

#

=@ ;

'Id lgu

/gL

-

20,

802

3

7,12

0,73

3 -

3

7,14

1,53

5 -

-

-

3

7,14

1,53

5 2

2,825

,081

#

=# k

'g/tfln

s/0

f÷ k

'g/;+/r

gf -

-

4

61,1

36

-

461

,136

-

-

-

4

61,1

36

183,

707

#

=$ s

d;n

-

35,

833

9

,241,

296

-

9,2

77,1

29

-

-

-

9,2

77,1

29

30,

547,

496

#

=% z

+sf:kb

-

91,

466

1

4,9

57,3

64

-

15,

048,8

30

-

-

-

15,

048,8

30

7,5

68,7

56

#

=^ v

/fa

-

36,

222,

397

88,7

16,8

84

-

124

,939

,281

-

-

-

124

,939

,281

102

,699

,377

-v_ s'n Joj

:yf

-

62,

219,

559

626

,549,

785

-

688,

769,34

4 -

10

,141

,063

10

,141

,063

69

8,91

0,40

7 59

8,04

5,49

7 $=

ut

jif{;

Ddsf] Jo

j:yf

$

=! c

;n

-

1

9,74

4,6

34

409

,978

,762

-

4

29,7

23,3

97

-

4,4

97,6

84

4,4

97,6

84

434

,221

,081

325

,705

,916

$

=@ ;

'Id lgu

/gL

-

10,

594

22,

814

,486

-

22,

825

,081

-

-

-

22,

825

,081

40,

655,

631

$

=# k

'g/tfln

s/0

f÷ k

'g/;+/r

gf -

-

1

83,

707

-

183,

707

-

-

-

183,

707

-

$

=$ s

d;n

-

183,

258

30,

364,2

38

-

30,

547,

496

-

-

-

3

0,54

7,496

9

,342,

047

$

=% z

+sf:kb

-

97,

941

7,4

70,8

15

-

7,5

68,7

56

-

-

-

7,5

68,7

56

13,

975,

930

$

=^ v

/fj

-

36,

231,

544

66,

467

,833

-

1

02,6

99,3

77

-

-

-

102

,699

,377

1

68,4

69,9

27

-u_ ut

jif{;

Ddsf] s'n Joj

:yf

-

6,267

,971

53

7,27

9,84

2 -

59

3,54

7,81

3 -

4,

497,68

4 4,

497,68

4 59

8,04

5,49

7 558

,149,45

2 -3

_ ut

jif{s

f] Jo

j:yfaf6

lkmtf{

-

-

39,52

1,03

7 -

3

9,52

1,03

7 -

-

-

3

9,52

1,03

7 9

6,99

4,76

5 -ª

_ o;

jif{s

f] yk

Joj

:yf

-

5,951

,588

12

8,79

0,97

9 -

134,

742,56

8 -

5,64

3,37

9 5,64

3,37

9 140

,385

,947

136,89

0,81

0o;

jif{s

f] v'b

yk36

-

5,951

,588

8

9,26

9,94

3 -

9

5,22

1,53

1 -

5,64

3,37

9 5,64

3,37

9 10

0,86

4,91

0 39

,896

,046

v'b

shf{ -s

— v

_ -

2,55

9,65

1,312

47,604

,243

,516

-

50,1

63,8

94,8

29

-

1,0

03,96

5,253

1,003

,965,2

53

51

,167,86

0,081

43,63

6,186

,147

19 ANNUAL REPORT


42

cg';"rL $=!# -s_

shf{, ;fk6 / ljN; v/Lbsf] ;'/If0f



-s_ ;'/lIft 51,856,382,781 44,234,231,644

!= rn÷crn ;DklQsf] ;'/If0fdf 48,118,676,940 41,710,878,380

@= :jb]zL Ohfhtkq k|fKt ;+:yfsf] hdfgtdf - 1,610,762,226

#= ;/sf/L hdfgtdf 129,844,594 129,844,594

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

%= lgof{t sfuhft (Export Document) sf] ;'/If0fdf 1,014,106,316 451,168,427

^= d'2tL /;Lbsf] ;'/If0fdf 113,995,279 87,988,553

-s_ ;+:Yffsf] cfkm\g} d'2tL /;Lbsf] ;'/If0f 113,995,279 45,386,553

-v_ cGo Ohfhtkq k|fKt ;+:yfsf] d'2tL /;Lbsf] ;'/If0f - 42,602,000

&= ;/sf/L C0fkqsf] ;'/If0fdf - -

*= sfp06/ hdfgtdf - -

(= JolQmut hdfgtdf - 1,500,000

!)=cGo ;'/If0f 2,479,759,654 242,089,465

-v_ c;'/lIft 10,387,707 -

hDdf 51,866,770,489 44,234,231,644

19 ANNUAL REPORT


43

cg';

"rL $=!$

l:y

/ ;

DklQ

@)&$

;fn

cfiff9 d

;fGt

ljj/

0f;D

klQ

o; j

if{ ¿=

ut j

if{ ¿=

ejg

kl/j

xg ;

fwg

d]lzg/

Lsfof{n

o ;f

dfg

cGo

!= k

/ndf]n

-s_ ut j

if{sf] df}Hbft

214

,298

,253

1

62,1

71,8

88

-

517

,863

,188

2,3

86,

860

8

96,7

20,1

89

842,

764,6

02

-v_ o;

jif{

yk

-

2,8

38,5

00

-

49,

511,

912

389,

652

52,

740,

064

77,

186,

533

-u_ o;

jif{

k"gd'{No

fÍg÷

k'gn]{vg

-

-

-

-

-

-

-

-3_ o;

jif{s

f] ljqmL

-

(14,0

29,8

17)

-

(313

,984)

-

(14

,343,

801

) (23

,230

,946)

-ª_ o;

jif{s

f] ckn

]vg

-

-

-

-

-

-

-

s'n k

/ndf]n -s±v

±u±3

±ª_

214

,298

,253

150

,980

,571

-

5

67,061

,116

2

,776

,512

9

35,116

,452

8

96,7

20,189

@= x

|f; s

§L

-s_ ut j

if{;Dd

sf]

29,

416

,085

61,

139,

764

-

355

,915

,948

1,5

40,

666

448,0

12,4

63

402

,532

,246

-v_ o;

jif{s

f] 4

,285,

965

19,

753,

448

-

40,

308,6

73

163

,136

6

4,5

11,2

23

63,

101,

002

-u_ x|f;s§L k

'gd"{No

fÍg÷

k'gn]{vg

-

-

-

-

-

-

-

-3_ x|f;s§L /

sd ;

dfo

f]hg÷

lkmt

f{ -

(6

,850

,605

) -

(1

88,1

86)

-

(7,

038,7

91)

(17

,620

,785)

s'n x

|f;s§L -s±v

±u±3

_ 3

3,70

2,05

0 7

4,04

2,60

7 -

3

96,036

,435

1,7

03,8

02

505

,484

,895

4

48,012

,463

#= a

's Eof

n' (

WDV

*) -!—

@_ 1

80,

596,

203

76,

937,

964

-

171

,024

,681

1,0

72,7

10

429

,631

,558

4

48,7

07,7

26

$= hUu

f 1

98,5

10,4

72

198

,510

,473

%= k

"FhLu

t lgd

f{0f -k"FhLs

/0f ul/g'

kg]{_

-

-

^= n

Lh x

f]N8 ;

DklQ

69,

247,

647

67,

366,

359

hDd

f -#±$

±%±^

_ 180

,596

,203

7

6,93

7,96

4 -

171

,024

,681

1,072

,710

6

97,389

,677

7

14,584

,559

*W

ri e

n Do

wn

Valu

e

¿=

19 ANNUAL REPORT


44

cg';"rL $=!%

u}x| a}+ls· ;DklQ


C0fL jf kf6L{sf] gfd, 7]ufgf u}x| a}+lsË ;DklQ ;sf/ u/]sf]

ldlt

s'n u}x| a}+lsË ;DklQ /sd ?=

gf]S;fgL Joj:yf v'b u}x| a}+lsË;DklQ ¿=

ut jif{ ¿=

k|ltzt /sd ¿=

dgsfdgf OG6/k|fOh]h 5/5/2003 285,824 100% 285,824 - 285,824

s]za k|;fb l/hfn 2/10/2011 375,000 100% 375,000 - 375,000

s:dLs c6f]df]afOn k|f=ln= 9/3/2012 24,210,000 100% 24,210,000 - 24,210,000

af;'eQm >]i7 9/3/2012 - 100% - - 89,438,313

;+ho sIffktL 4/11/2013 - 100% - - 5,210,408

hDdf 24,870,824 24,870,824 - 119,519,545

u}x| a}+lsË ;DklQ jfkt Joj:yf 119,519,544

v'b u}x| a}+lsË ;DklQ -

cg';"rL $=!^

cGo ;DklQ



!= d;nGb df}Hbft 13,147,635 8,205,363

@= nufgLdf c;"n ug{ afF+sL cfDbfgL 35,152,339 26,790,642

#= shf{df c;"n ug{ afF+sL Aofh 220,357,642 27,547,384 4,428,661

Go"gM Aofh d'NtjL /sd (192,810,258) - -

$= c;"n ug{ afF+sL sldzg - -

%= ;G8«L 8]6;{ 28,732,866 28,179,100

^= sd{rf/L ;fk6L / k]ZsL 467,797,234 436,578,454

&= clu|d e'QmfgL 52,233,704 46,361,004

*= dfu{:y gub 244,915 -

(= dfu{:y cGo -r]s ;d]t_ - -

!)= ljgf ;"rgf 8«fˆ6sf] e'QmfgL - -

!!= ckn]vg x'g afFsL vr{ 43,591,779 44,368,100

!@= zfvf ldnfg lx;fa 2,303,862 3,128,409

!#= :yug s/ ;DklQ 18,634,241 43,645,632

!$= cGo 552,062,329 446,514,690

!$=! clu|d cfos/ -cfos/ Joj:yf ;dfof]hg_ 260,661,182 237,096,838

!$=@ cGo 291,401,147 209,417,851

hDdf 1,241,448,287 1,088,200,055

19 ANNUAL REPORT


45

cg';"rL $=!^-s_

cGo ;DklQ -yk ljj/0f_



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

# jif{eGbf dfly hDdf

!= shf{df c;'n ug{ aFfsL Aofh 144,631,180 51,561,663 24,164,799 220,357,642 168,331,541

@= ljgf ;"rgf 8«fˆ6sf] e'QmfgL - - - - -

#= zfvf ldnfg lx;fa - - - - -

$= :jb]zL ljb]zL Ph]G;L lx;fa - - - - -

hDdf 144,631,180 51,561,663 24,164,799 220,357,642 168,331,541

cg';"rL $=!&

;Defljt bfloTjx?



!= ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] - -

@= k|lttkqx? -k"/f /sd_ 1,902,912,423 1,559,997,061

s_ ^ dlxgf eGbf sd cjlwsf] 1,230,987,158 1,348,615,323

v_ ^ dlxgf eGbf a9L cjlwsf] 671,925,265 211,381,738

#= k"gM l8:sfpG6 ul/Psf lanx? - -

$= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 1,673,512,024 1,268,056,466

-s_ la8 a08 318,899,305 138,390,857

-v_ k/km/d]G; a08 1,354,612,719 1,129,665,609

-u_ cGo Uof/]G6L ÷a08 - -

%= r'Qmf jf e'QmfgL x'g afFsL z]o/ nufgL - -

^= km/jf8{ PS;r]~h sG6«fS6sf] afFsL bfloTjx? 402,866,592 203,614,015

&= sn]S;gdf /x]sf ljnx? 3,841,083 8,045,789

*= d~h'/L tyf ;dy{g (Acceptence & Endorsement) - -

(= k|Tofe'lt k|ltj4tf (Underwri ng Commitment) - -

!)= ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) 3,376,004,670 3,648,661,101

!!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L 769,708,077 796,500,992

!@= clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 392,669,206 500,009,927

!#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) 2,150,000 -

!$= cfos/ jfkt ;Defljt bfloTj (Con ngent Liabili es on Income Tax) 47,392,759 16,814,787

!%= cGo - -

hDdf 8,571,056,833 8,001,700,138

19 ANNUAL REPORT


46

cg';"rL $=!*

Aofh cfDbfgL

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


s= shf{ ;fk6 / clwljsif{df 4,905,756,767 3,381,400,816

!= shf{ ;fk6 3,543,220,566 2,417,031,477

@= clwljsif{ 1,362,536,201 964,369,338

v= nufgLdf 182,273,339 82,895,027

!= g]kfn ;/sf/sf] ;'/If0fkq 157,307,985 70,794,368

-s_ 6«]h/L laN; 27,136,596 16,821,162

-v_ ljsf; C0fkq 130,171,389 53,973,205

-u_ /fli6«o art kq - -

@= ljb]zL C0fkq 9,644,199 983,113

#= g]kfn /fi6« a}+ssf] C0fkq - -

$= l8j]Gr/ tyf a08 - -

%= cGt/ a}+s nufgLdf Aofh 15,321,156 11,117,545

-s_ a}+s÷ljQLo ;+:yfx¿ 13,825,516 11,117,545

-v_ cGo ;+:yfx? 1,495,640 -

u= Ph]G;L df}Hbftdf - -

!= :jb]zL a}+s÷ljQLo ;+:yfx¿ - -

@= ljb]zL a}+sx? - -

3= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf - -

!= :jb]zL a}+s÷ljQLo ;+:yfx¿ - -

@= ljb]zL a}+sx? - -

ª= cGodf 29,997,455 31,004,392

!= ;l6{lkms]6 ckm l8kf]lh6 - 4,026,748

@= cGt/ a}+s÷ljQLo ;+:yf shf{ - -

#= cGo 29,997,455 26,977,645

hDdf 5,118,027,561 3,495,300,235

19 ANNUAL REPORT


47

cg';"rL $=!(

Aofh vr{ @)&#.)$.)! b]lv @)&$.)#.#! ;Dd

ljj/0f o; jif{ ¿= ut jif{ ¿=s= lgIf]k bfloTjdf 2,746,302,701 1,631,570,549 != d'2tL lgIf]k 1,795,443,284 817,888,221 !=! :jb]zL d'b|f 1,787,114,417 817,365,848 !=@ ljb]zL d'b|f 8,328,867 522,372 @= art lgIf]k 611,318,322 504,126,506 @=! :jb]zL d'b|f 610,742,037 503,581,695 @=@ ljb]zL d'b|f 576,285 544,811 #= dfu]sf] avt ltg'{ kg]{ lgIf]k 339,541,096 309,555,822 #=! :jb]zL d'b|f 333,078,485 291,077,201 #=@ ljb]zL d'b|f 6,462,611 18,478,620 $= ;l6{lkms]6 ckm l8kf]lh6;\ - - v= shf{ ;fk6df 44,732,575 6,409,260 !=C0fkq tyf a08 - - @=g]kfn /fi6« a}+saf6 k|fKt shf{ 39,873,554 1,198,904 #=cGt/ a}+s÷ljQLo ;+:yf shf{ 4,859,021 5,210,356 $=cGo ;+ul7t ;+:yf - - %=cGo shf{ - - u= cGodf - -

hDdf 2,791,035,277 1,637,979,809

cg';"rL $=@)

sldzg tyf l8:sfpG6

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


s= laN; v/Lb tyf l8:sfpG6 22,180,072 14,570,594

!= :jb]zL 8,783,095 1,090,478

@= ljb]zL 13,396,978 13,480,116

v= sldzg 73,540,335 53,938,943

!= k|lttkq 29,230,602 19,771,311

@= hdfgtkq 30,187,957 24,129,145

#= sn]S;g kmL 345,239 298,073

$= /]ld6]G; kmL 11,694,941 7,752,949

%= qm]l86 sf8{ 954,100 -

^= z]o/ k|Tofe"lt÷lgisfzg - -

&= ;/sf/L sf/f]af/ jfkt - -

*= O=k|f= sdLzg jfkt 1,127,495 1,987,464

(= a§f cfDbfgL - -

u= cGo 29,069,513 22,910,052 hDdf 124,789,921 91,419,588

¿=df

19 ANNUAL REPORT


48

cg';"rL $=@!

cGo ;~rfng cfDbfgL

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd

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

!= ;]km l8kf]lh6 eN6sf] ef8f 4,352,880 3,129,580

@= qm]l86sf8{ lgisfzg tyf gjLs/0f 438,132 -

#= ATM sf8{ lgisfzg tyf gjLs/0f 49,257,305 56,181,692

$= 6]n]S; ÷ l6= l6= 7,136,788 5,406,621

%= ;]jf z'Ns 179,837,555 123,120,975

^= gjLs/0f z'Ns - -

&= cGo 60,215,893 38,318,751

hDdf 301,238,553 226,157,619

cg';"rL $=@@

;6xL 36a9 cfDbfgL÷gf]S;fg

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


-s_ ljlgdo b/df ePsf] km/saf6 1,947,962 (2,015,550)

-v_ ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ 131,304,816 118,526,409

hDdf cfDbfgL÷-gf]S;fg_ 133,252,778 116,510,859

cg';"rL $=@#

sd{rf/L vr{

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


!= tna 210,574,228 189,379,081

@= eQf 129,674,590 95,648,795

#= ;~rosf]ifdf yk 21,051,947 18,935,504

$= tflnd vr{ 6,751,370 1,598,341

%= kf]zfs 10,692,280 9,461,650

^= cf}ifwf]krf/ - -

&= aLdf 3,097,429 2,136,409

*= k]G;g tyf pkbfg Joj:yf 26,197,661 48,687,150

(= cGo 87,282,248 100,789,288

s= bz+} 24,799,469 21,821,423

v= labf jfkt /sd 50,737,225 64,157,840

u= cGo 11,745,554 14,810,025

hDdf 495,321,753 466,636,218

19 ANNUAL REPORT


49

cg';"rL $=@$cGo ;~rfng vr{

@)&$.)$.)! b]lv @)&$.)#.#! ;Dd

ljj/0f o; jif{ ¿= ut jif{ ¿=!= 3/ef8f 59,369,749 55,337,182 @= aQL ljh'nL / kfgL 15,734,703 12,353,500 #= dd{t tyf ;Def/ 7,110,205 8,208,735 -s_ ejg 737,692 597,027 -v_ ;jf/L ;fwg 1,796,405 1,162,488 -u_ cGo 4,576,109 6,449,220 $= aLdf 28,508,500 25,589,794 %= kf]i6]h, 6]n]S;, 6]lnkmf]g, ˆofS; 35,220,806 33,636,510 ^= sfof{no pks/0f kmlg{r/ / ;Def/ 14,504,771 11,719,644 &= e|d0f etf / vr{ 7,441,025 7,494,513 *= d;nGb / 5kfO{ 21,272,785 18,208,642 (= kqklqsf tyf k':ts 604,937 18,589 !)= lj1fkg 20,093,333 11,812,491 !!= sfg"gL vr{ 2,532,806 3,088,810 !@= rGbf 1,169,437 322,055 !#= ;~rfns ;ldlt ;DaGwL vr{ 3,318,177 2,700,722 -s_ a}7s eQf 2,106,800 1,162,800 -v_ cGo vr{ 1,211,377 1,537,922 !$= ;fwf/0f ;ef ;DaGwL vr{ 1,491,802 641,174 !%= n]vf k/LIf0f ;DaGwL 1,582,000 1,469,000 -s_ n]vf k/LIf0f z'Ns 1,582,000 1,469,000 -v_ cGo vr{ - - !^= /sd :yfgfGt/0f sldzg - - !&= l:y/ ;DklQdf x|f; s§L 64,511,208 63,101,001 !*= k"j{ ;~rfng vr{ ckn]vg - - !(= z]o/ lgisfzg vr{ 14,102,441 - @)= k|fljlws ;]jf ;f]wegf{ 18,223,717 15,490,033 @!= dgf]/~hg vr{ 328,699 819,259 @@= ckn]vg vr{ 21,576,990 22,955,990 @# ;'/Iff vr{ 47,870,049 44,698,257 @$= shf{ ;'/If0f lk|ldod - - @%= sldzg l8:sfp06 26,455,020 25,131,729 @^= cGo 59,451,411 64,530,222 @^=! O{Gwg 10,069,504 14,680,938 @^=@ cGo ;ldlt a}7s eQf 744,000 364,000 @^=# cGo ;ldlt a}7s vr{ 28,581 3,895 @^=$ aflif{sf]T;j vr{ 4,906,389 3,415,338 @^=% Joj;fo k|jw{g vr{ 3,971,775 1,240,183 @^=^ z'Ns tyf b:t'/ 8,673,725 5,231,797 @^=& ;b:otf z'Ns 1,932,059 3,357,645 @^=* sfof{no ;kmfO{ vr{ 6,954,225 5,649,210 @^=( sfof{no cGo vr{ 3,854,530 3,461,558 @^=!) zfvf lj:tf/ vr{ 577,430 153,261 @^=!! 8]lj6 sf8{ vr{ 13,362,047 19,535,801 @^=!@ cfp6;f];{ :6fkm vr{ 2,026,531 3,193,856 @^=!# ljljw vr{ 2,350,616 4,242,741

hDdf 472,474,573 429,327,851

19 ANNUAL REPORT


50

cg';"rL $=@%

;Defljt gf]S;fgL Joj:yf

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 140,385,947 136,890,810

@= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 1,293,858 -

#= u}x| a}+lsË ;DklQ gf]S;fgL Joj:yf - -

$= cGo ;DklQdf ul/Psf] Joj:yf 835,205 -

hDdf 142,515,010 136,890,810

cg';"rL $=@^

u}x| ;~rfng cfDbfgL÷gf]S;fg

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


!= nufgL ljqmLaf6 cfDbfgL÷-gf]S;fg_ 938,725 15,008,820

@= ;DklQ ljqmLaf6 cfDbfgL÷-gf]S;fg_ (742,010) (3,225,346)

#= nfef+z 1,474,870 1,018,566

$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot - -

s= tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk"lt{ - -

v= Aofh Ifltk"lt{ - -

u= ;6xL sfpG6/ - -

%= cGo

s= u}x a}+lsË ;Dkltsf] ljqmLaf6 cfDbfgL 93,651,279 2,905,091

v= cGo 24,816,159 16,577,490

v'b u}x| ;~rfng cfDbfgL÷-gf]S;fg_ 120,139,023 32,284,621

cg';"rL $=@&

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


!= shf{ gf]S;fgL Joj:yfdf af6 lkmtf{ 39,521,037 96,994,765

@= u}x| a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ 94,648,721 27,541,410

#= nufgL Joj:yfaf6 lkmtf{ - 1,463,391

$= cGo ;DklQsf] Joj:yfaf6 lkmtf{ - 101,726

hDdf 134,169,758 126,101,292

19 ANNUAL REPORT


51

cg';"rL $=@*

c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL / vr{

@)&#.)$.)! b]lv @)&$.)#.#! ;Dd


!= ckn]vg ePsf] shf{sf] c;'nL 17,932,501 9,850,010

@= :j]lR5s cjsfz vr{ - -

#= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ (1,818,254) (3,999,876)

$= cGo vr{÷cfDbfgL - -

%= ====================== - -

hDdf 16,114,246 5,850,134

cg';"rL $=@*-s_

ckn]lvt shf{sf] ljj/0f

-cfly{s jif{ @)&#÷&$_

qm=;+= shf{ k|sf/ ckn]vg ul/Psf] /sd

lwtf]sf k|sf/ tyf /sd

lwtf] d"NofÍgsf] cfwf/

shf{ :jLs[t ug{ clwsf/L÷tx

sh{f c;'nLsf nflu eP u/]sf k|of;

s}lkmot

!= rfn" kF"hL shf{ - uf8L -6«s_lwtf] d"No @(,^%,)))

Performa Invoice

czf]s s'df/ v8\sf (DGM-SFL)

-s_ C0f lkmtf{ lnvt-v_ #% lbg ;fj{hlgs ;"rgf-u_ uf8L lnnfdL-3_ C0f c;'nLdf d'4f bfo/

-

@ 3/ hUuf - -

#= xfo/ kr]{h 1,818,254 -

$= JolQmut shf{ - -

%= cGo shf{ - -

s'n shf{ 1,818,254 - - - - -

19 ANNUAL REPORT


52

cg';"rL $=@(

;~rfns÷sfo{sf/L k|d'v÷;+:yfks÷sd{rf/L÷z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f


v/Lb tyf l8:sfp06 ul/Psf lanx? / shf{, ;fk6 tyf clwljsif{df k|jflxt s'n /sd dWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf Dofg]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;~rfns÷sfo{sf/L ut jif{;Ddsf] afFsL o; jif{ c;'nL o; jif{ cfiff9 d;fGt;Dd afFsL

k|d'vsf] gfd ;fFjf Aofh ;fFjf Aofh yk shf{ ;fjfF Aofh

-s_ ;~rfns - - - - - - -

!= ====================== - - - - - - -

@= ======================= - - - - - - -

-v_ sfo{sf/L k|d'v - - - - - - -

!= ======================= - - - - - - -

@= ======================== - - - - - - -

-u_ ;+:yfks -kl/jf/_ - - - - - - -

!= - - - - - - -

@= ========================= - - - - - - -

-3_ sd{rf/L - - - - - - -

!= =========================== - - - - - - -

@= =========================== - - - - - - -

-ª_ z]o/wgLx? - - - - - - -

!= ============================ - - - - - - -

@= =========================== - - - - - - -

hDdf - - - -

gf]6M a}+ssf sd{rf/Lsf xsdf k|bfg ul/Psf] shf{ cg';"rL $=!^ cGo ;DklQdf b]vfOPsf] .

19 ANNUAL REPORT


53

cg';"rL $=#) -s!_k“"hLsf]if tflnsf


ljj/0f @)&$ cfiff9 d;fGt ut cf=j= !=! hf]lvd efl/t ;DklQs shf{ hf]lvd 49,628,573 42,751,878 v ;~rfng hf]lvd 2,721,705 2,214,019 u ahf/ hf]lvd 83,808 26,896

Pillar II cGtu{tsf] ;dfof]hghf]8M ^=$ -s_ & cg';f/ s'n cfDbfgLsf] @Ü 46,297 - hf]8M ^=$ -s_ ( cg';f/ a}+sn] Joj:yflkso gLlt tyf sfo{ljlw ;Gtf]ifhgs gkfP jfkt hf]lvd efl/t ;Dkltsf] #Ü

1,573,023 1,349,784

s'n hf]lvd efl/t ;DklQ -Pillar II cGtu{tsf] ;dfof]hg kl5_ 54,053,406 46,342,576 !=@ k"+hLsf]if k|fylds k"hL (Tier I) 8,530,759 5,245,117 s r'Qmf k"+hL 7,051,456 3,864,540 v z]o/ lk|ldod - - u k|:tfljt af]g; z]o/ 665,149 801,890 3 ;fwf/0f hu]8f sf]if 864,186 603,689 ª ;l~rt gfkmf / -gf]S;fg_, ut cf=j= ;Ddsf] 17,829 2,548 r rfn'' cf=j= sf] gfkmf / -gf]S;fg_ - - 5 k"FhL lkmtf{ ;dfof]hg sf]if - - h k"FhL ;dfof]hg sf]if - - em nfef+z ;lds/0f sf]if - - ` cGo :jtGq sf]ifx? 18,634 43,646

36fpg]s Voflt jfktsf] /sd - - v ckn]vg gul/Psf ljljw ;DklQ 47,985 7,673 u :yug s/ ;Dklt 18,634 43,646 3 Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL - - ª ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL 15,000 15,000 r ;Ldf eGbf a9L nufgL - - 5 k|Tofe"lt -Underwri ng_ cGtu{t ul/Psf] nufgL - - h kf/:k/Ls qm; xf]lN8+u - - em k|of]udf gcfPsf] tyf ;Ldf eGbf a9L v/Lb u/]sf] 3/ hUuf 4,877 4,877 ` cGo - -

Pillar II cGtu{tsf] ;dfof]hg36fpg] M ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf36fpg] M ^=$ -s_ -@_ cGtu{t ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{÷;'ljwfk"/s k"FhL (Tier II) 560,419 480,936 s So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/ - - v ;'/If0f g/flvPsf] ;xfos cfjlws C0f - - u xfOla|8 k"hL pks/0fx? - - 3 c;n shf{ gf]S;fgL Joj:yf 549,184 457,046 ª ;6xL ;lds/0f sf]if 9,280 8,793 r nufgL ;dfof]hg sf]if 1,954 15,097 5 ;DklQ k"gd'{Nof+sg sf]if - - h cGo sf]if - -

s'n k"FhL sf]if 9,091,177 5,726,053 !=# k"FhLsf]if cg''kftk|fylds kF"hL / s''n hf]lvd efl/t ;DklQ (Tier I) 15=78 11=32 kF"+hL sf]if / s''n hf]lvd efl/t ;DklQ (Tier I & Tier II) 16=82 12=36

¿= xhf/df

19 ANNUAL REPORT


54

cg';

"rL $=#)

-v_

@)&$

cfi

ff9 d

;fG

tshf{ hf]lv

d ;D

klQ

@)&$

cfiff9 d

;fGt

ut c

f=a=

lstfjL d

'''No

ljz]if

Joj:

yf

u0fgf ug

{ ;l

sg]

l;

cf/

Pd

v'b

/sd

hf]lv

d ef/ Ü

hf]lv

d efl/

t /s

dv'b

/sd

hf]lv

d ef/ Ü

hf]lv

d efl/

t /s

d

jf;n

ft leqs

f sf/f]af/

sv

u3 Ö

s —

v —

uª

r Ö

3 x

ªª

gub

df}Hbft

1,96

2,95

7,13

7-

-1,96

2,95

7,13

70Ü

-2,

107,

171,464

0Ü-

g]kfn

/fi6

« a+}sdf /x

]sf] df}Hbft

5,461

,439

,334

--

5,461

,439

,334

0Ü-

3,808

,028

,939

0Ü-

;'g

--

--

0Ü-

-0Ü

-

g]kfn

;/s

f/sf] C0fkq

df nufg

L3,67

1,90

0,00

0-

-3,67

1,90

0,00

00Ü

-2,

971,90

0,00

00Ü

-

g]kfn

;/s

f/ p

k/sf] ;Dk

"0f{ b

fjL

162,

504,6

75-

-16

2,50

4,6

750Ü

-13

3,72

3,33

80Ü

-

g]kfn

/fi6

« a+}s C

0fkq

df ul/Ps

f] nufg

L94

2,91

9,74

6-

-94

2,91

9,74

60Ü

-1,65

2,483,482

0Ü-

g]kfn

/fi6

« a+}s p

k/sf] ;Dk

"0f{ b

fjL

10,5

84,8

35-

-10

,584,8

350Ü

-32

,949,

269

0Ü-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf]

bfjL (

ECA

Ra n

g 0-

1)-

--

-0 Ü

--

0Ü-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf]

bfjL (

ECA

Ra n

g -2

)-

--

-20

Ü-

-20

Ü-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf]

bfjL (

ECA

Ra n

g -3

)-

--

-50

Ü-

-50

Ü-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf]

bfjL (

ECA

Ra n

g 4-

6)-

--

-10

0Ü-

-10

0Ü-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf]

bfjL (

ECA

Ra n

g- 7

)-

--

-15

0Ü-

-15

0Ü-

BIS,

IMF,

ECB,

EC

/ ax

"klIfo

ljsf;

a}+s

x? p

k/sf] bfjL

--

--

0Ü-

-0Ü

-

cGo

ax"k

lIfo

ljs

f; a

}+sx?

pk/

sf] bfjL

--

--

100Ü

--

100Ü

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

0-1)

--

--

20Ü

--

20Ü

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

-2)

--

--

50Ü

--

50Ü

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

3-6)

--

--

100Ü

--

100Ü

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

- 7)

--

--

150Ü

--

150Ü

-

tf]ls

Psf] k"Fh

Lsf]if s

fod u

g]{ :j

b]zL a}+s

pk/

sf] bfjL

3,810

,593

,681

--

3,810

,593

,681

20Ü

762,

118,7

361,53

6,70

8,2

1920

Ü30

7,34

1,64

4

tf]ls

Psf] k"Fh

Lsf]if s

fod g

ug]{

:jb]z

L a}+s

pk/

sf] bfjL

--

--

100Ü

-20

9,830

,657

100Ü

209,

830

,657

/sd ¿

=

19 ANNUAL REPORT


55

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng

0-1)

1,56

4,8

48,0

87

--

1,56

4,8

48,0

87

20Ü

312,

969,

617

1,52

5,62

0,486

20Ü

305,

124,0

97

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng

0-2)

1,05

9,419

,670

--

1,05

9,419

,670

50Ü

529,

709,

835

697,

755,

700

50Ü

348,8

77,8

50

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng

3-6)

--

--

100Ü

--

100Ü

-

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng-

7)

--

--

150Ü

--

150Ü

-

tf]ls

Psf] k"Fh

Lsf]ifdf !k|ltzt e

Gbf a9

Ln]

k"FhLs

f]if s

fod u

g]{ SA

ARC

If]qleq

:yfkgf

ePs

f ljb]z

L a}+s

pk/

sf] bfjL

532,

458

,427

--

532,

458

,427

20Ü

106,

491

,685

410

,148,106

20Ü

82,

029,

621

:jb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

25,375

,876

,111

--

25,375

,876

,111

100Ü

25,375

,876

,111

23,0

68,4

39,2

1010

0Ü23

,068

,439

,210

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng

0-1)

--

--

20Ü

--

20Ü

-

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng

-2)

--

--

50Ü

--

50Ü

-

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng

3-6)

--

--

100Ü

--

100Ü

-

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng-

7)

--

--

150Ü

--

150Ü

-

pke

f]Uo t

yf ;fg

f shf{

(Reg

ulat

ory

Reta

il Po

r o

lio) -efv

f gg

f3]sf]_

15,0

20,7

48,7

29-

113,99

5,27

914

,906

,753

,450

75Ü

11,180,

065,

088

11,9

99,5

52,330

75Ü

8,9

99,6

64,2

48

u|fg

"nfl/

6L ;

Ldf af

x]s c

Go z

t{

kfngf

u/]s

f] pke

f]Uo t

yf ;fg

f shf{

(Reg

ulat

ory

Reta

il Po

r o

lio e

xcep

t for

G

ranu

larit

y)

--

--

100Ü

--

100Ü

-

cfjf;

Lo 3

/hUu

faf6 ;

"/lIft b

fjL

6,848,393

,080

--

6,848,393

,080

60Ü

4,109

,035

,848

5,838

,730

,290

60Ü

3,50

3,23

8,174

cfjf;

Lo 3

/hUu

faf6 k

"0f{ ;

"/lIft g

ePs

f] bfjL

--

--

150Ü

--

150Ü

-

cfjf;

Lo 3

/hUu

faf6 ;

"/lIft b

fjL -e

fvf

gf3]sf]_

11,111

,998

6,12

5,17

5-

4,9

86,

823

100Ü

4,9

86,

823

846,

660

100Ü

846,

660

Jofkfl/

s 3

/hUu

faf6 ;

"/lIft b

fjL

812

,529

,239

--

812

,529

,239

100Ü

812

,529

,239

577,

154,7

7410

0Ü57

7,15

4,7

74

e"Qmfg

L cjlw

;dfKt

eO{;

s]sf] bfjL

-c

fjf;

Lo 3

/hUu

faf6 ;

"/lIft b

fjL jfx]s

_19

3,53

6,68

614

5,452

,170

-48,0

84,5

1615

0Ü72

,126

,774

70,0

55,5

2215

0Ü10

5,08

3,28

2

pRr

hf]lv

do"Q

m bfjL

963,841,36

6-

-96

3,841,36

615

0Ü1,445,

762,

049

610,

683,895

150Ü

916,

025,

842

:6s P

S;r]Gh

df ;"lr

s[t s

DkgL

sf] z]o/

/

cGo

kF"hLu

t p

ks/0

fdf ePs

f] nufg

L97

,721

,252

--

97,7

21,2

5210

0Ü97

,721

,252

4,8

39,157

100Ü

4,8

39,157

:6s P

S;r]Gh

df ;"lr

s[t g

ePs

f] sDk

gLsf] z]o/

/ c

Go k

F"hLu

t p

ks/0

fdf

ePs

f] nufg

L

5,03

0,00

0-

-5,

030,

000

100Ü

7,54

5,00

020

,030

,000

100Ü

30,0

45,

000

cfjf;

Lo 3

/hUu

faf6 ;

"/lIft s

d{rf/L

shf{

386,

866

,155

--

386,

866

,155

60Ü

232,

119,

693

361,451

,345

60Ü

216,

870

,807

k|fKt

x'g'

kg]{ Jof

h÷g]k

fn ;

/sf/sf]

lwtf]kqd

f bfaL

--

--

0Ü-

-0Ü

-

19 ANNUAL REPORT


56

dfu

{:y g

ub

tyf e'Qmfg

L k|fKt

x"g]

qmddf

/x]sf] cGo

gub

1,01

4,106

,316

--

1,01

4,106

,316

20Ü

202,

821

,263

465

,757

,081

20Ü

93,151

,416

cGo

;Dk

lQ1,51

9,31

1,72

8-

-1,51

9,31

1,72

810

0Ü1,51

9,31

1,72

81,400

,625

,830

100Ü

1,400

,625

,830

hDd

f71

,428

,698,2

52151

,577,3

45113

,995,2

7971

,163

,125

,628

46,77

1,190

,742

59,50

4,48

5,753

40,16

9,188

,270

jf;n

ft j

flx/s

f sf/f]af/

h'g;

's} a

]nf lkmt

f{ ln

g ;ls

g] k|lta4

tf

--

--

0Ü-

-0Ü

-

ljN;

sn]S;

g3,841,08

3-

-3,841,08

30Ü

-8,0

45,

789

0Ü-

clu

|d ljlgd

o ;De

mf}tf

402

,866

,592

--

402

,866

,592

10Ü

40,

286,

659

203,61

4,0

1510

Ü20

,361

,402

^ dlxgf

eGb

f sd c

jlws

f] k|ltt k

q :j

b]zL sf/f]a

f/ k

If1,23

0,98

7,15

8-

247,

504,177

983,482,

981

20Ü

196,

696,

596

1,08

1,91

1,51

520

Ü21

6,38

2,30

3

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 0-

1)-

--

-20

Ü-

-20

Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 0-

2)-

--

-50

Ü-

-50

Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 3-

6)-

--

-10

0Ü-

-10

0Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (E

CA- 7

)-

--

-15

0Ü-

-15

0Ü-

^ dlxgf

eGb

f a9

L cjlws

f] k|ltt k

q :j

b]zL sf/f]a

f/ k

If67

1,92

5,26

5-

1,02

0,400

670,

904,8

6550

Ü33

5,452

,432

211,15

2,39

550

Ü10

5,57

6,19

8

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 0-

1)-

--

-20

Ü-

-20

Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A -2

)-

--

-50

Ü-

-50

Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 3-

6)-

--

-10

0Ü-

-10

0Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (E

CA- 7

)-

--

-15

0Ü-

-15

0Ü-

lj8 j

08, k/

km/d

]G; j

08, sfp

06/

Uof/]G6

L :j

b]zL sf/f]a

f/ k

If2,

443,22

0,10

1-

96,8

25,0

352,

346,

395,

066

50Ü

1,17

3,19

7,53

32,

001,470

,257

50Ü

1,00

0,73

5,12

9

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 0-

1)-

--

-20

Ü-

-20

Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (E

CA-2

)-

--

-50

Ü-

-50

Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 3-

6)-

--

-10

0Ü-

-10

0Ü-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (E

CA- 7

)-

--

-15

0Ü-

-15

0Ü-

k|Tof

e"lt

-U

nder

wri

ng_ ;

DalGw

k|lta4

tf

--

--

50Ü

--

50Ü

-

19 ANNUAL REPORT


57

a+}saf

6 ;'/I

f0fs

f] ?k

df k|b

fg u

l/Ps

f hdfg

tx?

(Le

ndin

g of

Ban

k's S

ecur

i es

or

Pos

ng

of S

ecur

i es

as c

olla

tera

l)

--

--

100Ü

--

100Ü

-

k''g v

/Lb

;De

mf}tf cGt

u{tsf] shf{

--

--

100Ü

--

100Ü

-

clu

|d e

''Qmfg

L hdfg

t39

2,66

9,20

6-

4,7

59,0

0038

7,91

0,20

610

0Ü38

7,91

0,20

6493

,992

,477

100Ü

493

,992

,477

ljlQ

o hdfg

t2,

150,

000

-90

5,00

01,24

5,00

010

0Ü1,24

5,00

0-9

05,0

0010

0Ü-9

05,0

00

:jls

f/ t

yf b/

lk7

Acce

ptan

ce a

nd

Endo

rsem

ents

--

--

100Ü

--

100Ü

-

e''Qmfg

L gu

l/Ps

f] efu

tyf cf+lz

s

e''Qmfg

L ul/Ps

f] z]o/

tyf ;''/I

f0f

(Unp

aid

por

on

of P

artly

pai

d Sh

ares

an

d Se

curi

es)

--

--

100Ü

--

100Ü

-

ckl/j

To{ s

hf{ k|lta4

tf 5f]6f] cjlw

3,37

6,00

4,6

70-

-3,37

6,00

4,6

7020

Ü67

5,20

0,93

43,64

8,6

61,101

20Ü

729,

732,

220

ckl/j

To{ s

hf{ k|lta4

tf nfd

f] cjlw

--

--

50Ü

--

50Ü

-

cGo

;De

fljt b

floTj

x?-

--

-10

0Ü-

100Ü

-

e'Qmfg

Lsf] nfu

L bfaL

k/]s

f hdfg

t

afkt

sf] ;eflj

t b

floTj

47,

392,

759

--

47,

392,

759

100Ü

47,

392,

759

16,8

14,7

87

100Ü

16,8

14,7

87

e'Qmfg

Lsf] nfu

L hdfg

t-

--

-20

0Ü-

-20

0Ü-

hDd

f8,

571,0

56,8

33 –

351,0

13,612

8,22

0,04

3,22

12,85

7,39

8,93

47,

664,

757,

336

2,58

2,68

9,51

5s''n s

hf{ hf]lv

d79

,999,7

55,08

6151

,577,3

4546

5,00

8,89

179

,383,1

68,8

4949

,628,5

89,67

667

,169,24

3,088

42,75

1,877

,785

Pilla

r II

cGt

u{tsf] ;dfo

f]hg

hf]8

M ^

=$ -s_ -#_ cGt

u{t k

|lt u

|fxs

shf{ tyf ;'ljwf

;Ld

f eGb

f a9

L k|j

flxt

shf{ tyf ;'ljwf

sf] !)

k|lt

zt

--

--

-

hf]8

M ^

=$ -s_ -$

_ cGt

u{t k

'gM :jL

sf/

x'g] u

/L ljq

mL ul/Ps

f shf{x?s

f] !

k|ltzt

--

--

s''n s

hf{ hf]lv

d (P

illar

II cGtu{t

sf]

;dfof]h

gkl5

_79

,999,7

55,08

6151

,577,3

4546

5,00

8,89

179

,383

,168,

849

49,62

8,589

,676

67,16

9,24

3,088

42,75

1,877

,785

19 ANNUAL REPORT


58

cg';

"rL $=#)-

u_

@)&$

cfi

ff9 d

;fG

t

Cred

it Ri

sk M

i ga

on

(CRM

) sf] nflu

of]Uo

/sd

shf{{ /s

d c

fˆgf] a

}+sdf

/x]sf] lgIf]k

cGo

a}+sdf

/x]sf] lgIf]k

;'g

;/s

f/

tyf g]k

fn

/fi6«« a

+}s

g]kfn

;/sf/sf]

hdfgt

cGo

b]z

sf]

;/sf/sf]

hdfgt

:jb

]zL

a}+ssf]

hdfgt

ljb

]]zL

ax"klIfo

ljsf;

a}+s

x?sf]

hdfgt

ljb]]z

L a}+ssf]

hdfgt

tyf

;''/If0f

s'n

jf;n

ft leqs

f] sf/f]af/

gub

df}Hbft

-

-

-

-

-

-

-

-

-

-

g]kfn

/fi6

«« a+}sdf /x

]sf] df}Hbft

-

-

-

-

-

-

-

-

-

-

;'g

-

-

-

-

-

-

-

-

-

-

g]kfn

;/s

f/sf] C0fkq

df nufg

L -

-

-

-

-

-

-

-

-

-

g]k

fn ;

/sf/ p

k/sf] ;Dk

"0f{ b

fjL

-

-

-

-

-

-

-

-

-

-

g]kfn

/fi6

«« a+}s C

0fkq

df ul/Ps

f] nufg

L -

-

-

-

-

-

-

-

-

-

g]k

fn /

fi6«« a

+}s p

k/sf] ;Dk

"0f{ b

fjL

-

-

-

-

-

-

-

-

-

-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf] bfjL (

ECA

Ra n

g 0-

1) -

-

-

-

-

-

-

-

-

-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf] bfjL

(EC

A Ra

ng

-2)

-

-

-

-

-

-

-

-

-

-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf] bfjL

(EC

A Ra

ng

-3)

-

-

-

-

-

-

-

-

-

-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf] bfjL (

ECA

Ra n

g 4-

6) -

-

-

-

-

-

-

-

-

-

ljb]z

L ;/s

f/ t

yf s]Gb

|Lo a

}+s p

k/sf] bfjL

(EC

A Ra

ng-

7)

-

-

-

-

-

-

-

-

-

-

BIS,

IMF,

ECB,

EC

/ ax

"klIfo

ljsf;

a}+sx?

pk/

sf] bfjL

-

-

-

-

-

-

-

-

-

-

cGo

ax"k

lIfo

ljs

f; a

}+sx?

pk/

sf] bfjL

-

-

-

-

-

-

-

-

-

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

0-1)

-

-

-

-

-

-

-

-

-

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

-2)

-

-

-

-

-

-

-

-

-

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

3-6)

-

-

-

-

-

-

-

-

-

-

;fj{hlgs ;

+:yf pk/

sf] bfjL

(EC

A Ra

ng

- 7)

-

-

-

-

-

-

-

-

-

-

tf]ls

Psf] k"+h

Lsf]if s

fod u

g]{ :j

b]zL a}+s

pk/

sf] bfjL

-

-

-

-

-

-

-

-

-

-

tf]ls

Psf] k"+h

Lsf]if s

fod g

ug]{

:jb]z

L a}+s

pk/

sf] bfjL

-

-

-

-

-

-

-

-

-

-

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng

0-1)

-

-

-

-

-

-

-

-

-

-

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng

-2)

-

-

-

-

-

-

-

-

-

-

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng

3-6)

-

-

-

-

-

-

-

-

-

-

ljb]z

L a}+s

pk/

sf] bfjL

(EC

A Ra

ng-

7)

-

-

-

-

-

-

-

-

-

-

¿=

19 ANNUAL REPORT


59

tf]ls

Psf] k"Fh

Lsf]ifdf !

k|ltzt e

Gbf a9

Ln] k

"FhLs

f]if

sfo

d u

g]{ SA

ARC

If]qleq

:yfkgf

ePs

f ljb]z

L a}+s

pk/

sf] bfjL

-

-

-

-

-

-

-

-

-

-

:jb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

-

-

-

-

-

-

-

-

-

-

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng

0-1)

-

-

-

-

-

-

-

-

-

-

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng

-2)

-

-

-

-

-

-

-

-

-

-

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng

3-6)

-

-

-

-

-

-

-

-

-

-

ljb]z

L ;+3 ;

+:yfx?

pk/

sf] bfjL

(EC

A Ra

ng-

7)

-

-

-

-

-

-

-

-

-

-

pke

f]Uo t

yf ;fg

f shf{

(Reg

ulat

ory

Reta

il Po

r o

lio)

-efv

f gg

f3]sf]_

-

-

-

-

-

-

-

-

-

-

pke

f]Uo t

yf ;fg

f shf{

(Reg

ulat

ory

Reta

il Po

r o

lio)

-efv

f gf

3]sf]_

113

,995

,279

-

-

-

-

-

-

-

-

1

13,9

95,2

79

u|fg

"nfl/

6L ;

Ldf af

x]s c

Go z

t{ k

fngf

u/]s

f] pke

f]Uo

tyf ;fg

f shf{

(Reg

ulat

ory

Reta

il Po

r o

lio e

xcep

t for

G

ranu

larit

y)

- -

-

-

-

-

-

-

-

-

cfjf;

Lo 3

/hUu

faf6 ;

"/lIft b

fjL

-

-

-

-

-

-

-

-

-

-

cfjf;

Lo 3

/hUu

faf6 k

"0f{ ;

"/lIft g

ePs

f] bfjL

-

-

-

-

-

-

-

-

-

-

cfjf;

Lo 3

/hUu

faf6 ;

"/lIft b

fjL -e

fvf gf

3]sf]_

-

-

-

-

-

-

-

-

-

-

Jofkfl/

s 3

/hUu

faf6 ;

"/lIft b

fjL

-

-

-

-

-

-

-

-

-

-

e'Qmfg

L cjlw

;dfKt

eO{;

s]sf] bfjL

-cfjf;

Lo

3/h

Uufa

f6 ;

"/lIft b

fjL jfx]s

_ -

-

-

-

-

-

-

-

-

-

pRr

hf]lv

do"Q

m bfjL

-

-

-

-

-

-

-

-

-

-

:6s P

S;r]Gh

df ;"lr

s[t s

DkgL

sf] z]o/

/ c

Go k

"FhLu

t

pks

/0fd

f ePs

f] nufg

L -

-

-

-

-

-

-

-

-

-

:6s P

S;r]Gh

df ;"lr

s[t g

ePs

f] sDk

gLsf] z]o/

/ c

Go

k"FhLu

t p

ks/0

fdf ePs

f] nufg

L -

-

-

-

-

-

-

-

-

-

cGo

;Dk

lQ -

-

-

-

-

-

-

-

-

-

hDd

f 113,995

,279

-

-

-

-

-

-

-

-

113,995

,279

jf;n

ft j

flx/s

f sf/f]af/

h"g;

's} a

]nf lkmt

f{ ln

g ;ls

g] k|lta4

tf

ljN;

sn]S;

g

clu

|d ljlgd

o ;De

mf}tf

-

-

-

-

-

-

-

-

-

-

^ dlxgf

eGb

f sd c

jlws

f] k|ltt k

q :j

b]zL sf/f]a

f/

kIf

247,

504,1

77

-

-

-

-

-

-

-

-

247,

504,1

77

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 0-

1) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A -2

) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 3-

6) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A- 7

) -

-

-

-

-

-

-

-

-

-

19 ANNUAL REPORT


60

^ dlxgf

eGb

f a9

L cjlws

f] k|ltt k

q :j

b]zL sf/f]a

f/

kIf

1,0

20,4

00

-

-

-

-

-

-

-

-

1,0

20,4

00

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 0-

1) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A -2

) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 3-

6) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A- 7

) -

-

-

-

-

-

-

-

-

-

lj8 j

08, k/

km/d

]G; j

08, sfp

06/

Uof/]G6

L :j

b]zL

sf/f]a

f/ k

If 9

6,825

,035

-

-

-

-

-

-

-

-

9

6,825

,035

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 0-

1) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A -2

) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A 3-

6) -

-

-

-

-

-

-

-

-

-

ljb]z

L sf/f]a

f/ k

If (

coun

ter p

arty

) (EC

A- 7

) -

-

-

-

-

-

-

-

-

-

bfaL

k/]s

f] tyf e'Qmfg

L gu

l/Ps

f hdfg

t -

-

-

-

-

-

-

-

-

-

k|T

ofe"lt

-U

nder

wri

ng_ ;

DalGw

k|lt

a4tf

-

-

-

-

-

-

-

-

-

-

a+}saf

6 ;'/I

f0fs

f] ?k

df k|b

fg u

l/Ps

f hdfg

tx?

(L

endi

ng o

f Ban

k's S

ecur

i es

or P

os n

g of

Sec

uri

es

as c

olla

tera

l)

-

-

-

-

-

-

-

-

-

-

k''g v

/Lb

;De

mf}tf cGt

u{tsf] shf{

-

-

-

-

-

-

-

-

-

-

clu

|d e

''Qmfg

L hdfg

t 4

,759

,000

-

-

-

-

-

-

-

-

4

,759

,000

ljlQ

o hdfg

t 9

05,0

00

-

-

-

-

-

-

-

-

905

,000

:j

lsf/ t

yf b/

lk7

Acce

ptan

ce a

nd E

ndor

sem

ents

-

-

-

-

-

-

-

-

-

-

e''Qmfg

L gu

l/Ps

f] efu

tyf cf+lz

s e

''Qmfg

L ul/Ps

f] z]o/

tyf ;'''/I

f0f

(Unp

aid

por

on

of P

artly

pai

d Sh

ares

and

Se

curi

es)

-

-

-

-

-

-

-

-

-

-

ckl/j

To{ s

hf{ k|lta4

tf 5f]6f] cjlw

-

-

-

-

-

-

-

-

-

-

ckl/j

To{ s

hf{ k|lta4

tf nfd

f] cjlw

-

-

-

-

-

-

-

-

-

-

cGo

;De

fljt b

floTj

x? -

-

-

-

-

-

-

-

-

-

hDd

f35

1,01

3,61

2 -

-

-

-

-

-

-

-

3

51,013,612

19 ANNUAL REPORT


61

cg';"rL $=#)-3_

;~rfng hf]lvd

@)&$ ;fn cfiff9 d;fGt/sd ¿=

ljj/0f @)&)÷@)&! @)&!÷@)&@ @)&@÷@)&# @)&# cfiff9 d;fGt

v'b Aofh cfDbfgL 1,115,996,835 1,355,922,403 1,857,320,426

sldzg tyf l8:sfp06 61,254,614 91,625,441 91,419,588

cGo ;~rfng vr{ 181,018,231 179,189,318 226,157,619

;6xL 36a9 cfDbfgL 45,798,108 79,344,596 116,510,859

o; jif{sf] yk Aofh d'NtjL lx;fa 4,170,499 14,233,734 23,447,568

s''n cfDbfgL -s_ 1,408,238,287 1,720,315,492 2,314,856,060

tf]lsPsf] k|ltzt -v_ 15% 15% 15%

tf]lsPsf] k|ltztn] x'g] s'n cfbfgL -u_ Ö -s_X-v_ 211,235,743 258,047,324 347,228,409

;~rfng hf]lvdsf] nflu cfjZos kF"hL -3_ Ö -u_ sf] cf}ift

272,170,492 221,401,870

hf]lvd ef/ (Reciprocal of Capital Requirement) -ª_ 10 10

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_ Ö -3_ X -ª_

2,721,704,919 2,214,018,700

Pillar II cGtu{tsf] ;dfof]hg

^=$ c -*_ cg';f/ ut # aif{sf] s'n cfDbfgL C0ffTds ePdf

- -

s"n shf{ tyf nufgL -ljif]z Joj:yfsf] ;dfof]hg kl5_ - -

;~rfng hf]lvdsf] nflu cfjZos k'FhL 10 10

hf]lvd ef/ (Reciprocal of capital requirement of 10%) -5_

- -

;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -h_Ö-r_±-5_

2,721,704,919 2,214,018,700

19 ANNUAL REPORT


62

cg";"rL $=#)-ª_

ahf/ hf]lvd

@)&$ ;fn cfiff9 d;fGt /sd ¿=

qm=;+= ljj/0f @)&$ cfiff9 d;fGt @)&# cfiff9 d;fGt lab]zL d"b|fsf] ;fGble{s

v'b cj:yf -g]=¿=_ ljb]zL d"b|fsf] v'b

cj:yf-la=d"=_

ljb]zL d""b|fsf] v'b cj:yf -g]=¿=_

ljb]zL d"b|fsf] ;fGble{s v'b cj:yf

-g]=¿=_

1 ef/tLo ?lkof 81,679,988 130,687,981 130,687,981 29,265,699

2 cd]l/sL 8n/ 68,742 7,090,737 7,090,737 11,455,007

3 kfp08 :6ln{+u 1,800 239,634 239,634 807,326

4 o"/f] (37) (4,337) 4,337 3,757,373

5 yfO{ ef6 24,300 73,508 73,508 35,101

6 l:j; k|m}+s 2,270 241,528 241,528 286,090

7 ci6«]lnog 8n/ 2,054 162,954 162,954 189,802

8 Sofg]l8og 8n/ 2,595 209,948 209,948 155,596

9 l;+ufk"/ 8n/ 1,092 81,829 81,829 250,772

10 hfkfgL o]g (827,211) (7,498,668) 7,498,668 2,042,667

11 xªsª 8n/ 9,060 119,456 119,456 333,089

12 8]lg; qmf]g/ 1,200 18,948 18,948 18,331

13 l:jl8; qmf]g/ 50 617 617 25,853

14 ;fpbL c/a l/ofn 28,077 767,737 767,737 1,074,456

15 stf/L l/ofn 11,017 302,031 302,031 653,234

16 ;+o"Qm c/a Old/]6 lb/fd 44,034 1,229,429 1,229,429 1,429,925

17 dn]l;og l/+lu6 14,996 358,284 358,284 1,509,776

18 sf]l/og cf]g 2,063,000 18,267,865 18,267,865 14,736

19 lrlgof+ o"cfg 15,393 232,850 232,850 129,530

20 s"olt lbgf/ 35 11,815 11,815 356,570

21 ax/fOg lb/fd 61 16,593 16,593 140

Total Open Posi on -s_ 152,610,740 167,616,750 53,791,073

tf]lsPsf] k|ltzt -v_ 5Ü 5Ü

ahf/ hf]lvdsf] nflu cfjZos k"FhL -u_= -s_ X -v_ 8,380,837 2,689,554

hf]lvd ef/ (Reciprocal of Capital Requirement) -3_= !))÷!) 10 10

ahf/ hf]lvdsf] nflu hf]lvd efl/t /sd -ª_= -u_ X -3_ 83,808,375 26,895,537

19 ANNUAL REPORT


63

cg";

"rL $=#!

k|d"v

;"r

sf°

sDt

Ldf ljut

% j

if{sf] kl/;

"rsx?

ljj/

0f;"r

sfÍ

cf= j=

cf= j=

cf= j=

cf= j=

cf= j=

2069

/20

7020

70/20

7120

71/20

7220

72/20

7320

73/20

74!= v

'b gf

kmf÷

s"n c

fDbfgL

k|lt

zt

k|ltzt

5.54

%13

.66%

16.6

5%21

.96%

21.9

6%@= k

|lt z

]o/ c

fDbfgL

¿5.

9818

.34

22.2

025

.04

24.0

0#= k

|lt z

]o/ a

hf/ d

"No

¿20

3.00

576.

0056

4.0

068

0.00

360.

00$= d"No

cfDbfgL

cg"k

ft (

PE R

a o

)k|ltzt

33.9

631

.40

25.4

027

.15

15.0

0%=

z]o/

k"FhLd

f gu

b nfe

f+z -af

]g; ;

lxt_

k|ltzt

0.00

%12

.63%

16.8

4%

21.8

4%

15.0

0%^= z

]o/ k

"FhLd

f gu

b nfe

f+z e

"Qmfg

L k|ltzt

0.00

%0.

63%

0.84%

1.09

%6.

00%

&= Aof

h c

fDbfgL

÷shf{ tyf ;fk6

k|ltzt

11.2

9%9.

60%

8.9

3%7.

90%

9.87%

*= sd{rf/L vr{÷s"n ;

~rfn

g vr{

k|ltzt

11.1

8%

11.7

5%13

.90%

18.5

4%

13.1

8%

(= s

"n lgI

f]k t

yf ;fk6Ldf Ao

fh v

r{

k|ltzt

5.46%

4.6

3%3.

97%

3.13

%4.7

6%!)

= ;6x

L 36a

9 cfDbfgL

÷s"n c

fDbfgL

k|ltzt

1.32

%1.

62%

2.23

%2.

99%

2.30

%!!

= sd{rf/L af

]g;÷s"n s

d{rf/L vr{

k|ltzt

9.30

%23

.01%

25.9

1%27

.51%

37.5

6%!@

= v'b

gfkmf÷

shf{ ;fk6

k|ltzt

0.68

%1.

54%

1.77

%2.

03%

2.51

%!#

= v'b

gfkmf÷

s"n ;

DklQ

k|ltzt

0.49%

1.12

%1.

26%

1.51

%1.

89%

!$=s

"n s

hf{÷

lgIf]k

k|ltzt

79.7

9%79

.56%

78.7

7%84.5

9%88.4

7%!%

= s"n ;

~rfn

g vr{÷s"n ;

DklQ

k|ltzt

1.98

%1.

64%

1.56

%4.2

7%5.

45%

!^= hf]lv

d e

fl/t ;

DklQ

df k"Fh

Lsf]ifsf] ko

f{Kttf

-s

_ k|fyld

s k

"FhL sf]if

k|ltzt

11.5

9%9.

69%

11.1

4%

11.3

2%15

.78%

-v

_ k"/

s k

"FhL sf]if

k|ltzt

0.95

%0.

94%

1.10

%1.

04%

1.04

% -u

_ s"n k

"FhL sf]if

k|ltzt

12.5

4%

10.6

3%12

.24%

12.3

6%16

.82%

!&= t/n

tf

(NLA

)k|ltzt

27.1

9%26

.28%

27.6

3%24

.52%

26.2

9%!*

= lgl:qmo

shf{÷

s"n s

hf{

k|ltzt

2.84%

1.78

%0.

64%

0.55

%0.

38%

!(= cfw

f/ Aof

h b

/ (B

ase

Rate

)k|ltzt

10.2

6%8.2

5%7.

69%

6.18

%10

.29%

@)= Ao

fh b

/ cGt

/ (W

eigh

ted

Aver

age

Inte

rest

Rat

e Sp

read

)k|ltzt

4.6

3%4.9

7%4.6

5%4.5

9%4.2

7%@!

= a"s

g]6j

y{

¿2,

796,

260,

797

3,23

5,70

8,1

72

3,8

16,1

42,

380

5,34

0,20

2,75

2 8

,211

,005

,911

@@

= s"n z

]o/

;+Vo

f 2

4,7

87,

946

24,7

87,

946

27,

762,

499

3

8,6

45,

400

6

5,98

7,00

0 @#

= s"n s

d{rf/L

;+Vo

f56

261

459

766

374

2@$

= k|lt s

d{rf/L pTk

fbsTj

¿ x

hf/df

263.

6774

0.53

1032

.45

1354

.79

1755

.37

@%= k|lt z

]o/ lstfa

L d"No

¿11

2.81

130.

5413

7.46

138.1

812

4.4

3@^

= zfv

f -PS:6]G

;g

sfp

06/

;lxt_

;+Vo

f55

5656

5757

@&= P=6L=Pd

;+Vo

f64

6970

7274

19 ANNUAL REPORT


64

cg';"rL – #@

cfly{s jif{ @)&#÷&$k|d'v n]vf gLltx¿

!= ;fdfGo hfgsf/Ldf5fk'R5«] a}+s lnld6]8 g]kfndf :yflkt ;Lldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi68{ sfof{no gofFahf/, kf]v/fdf tyf skf]{/]6 sfof{no nflhDkf6, sf7df08f}df /x]sf] 5 . of] a}+s g]kfn lwtf]kq ljlgdo ahf/df ;"rLs[t 5 .

g]kfn /fi6« a}+saf6 …sÚ ju{sf] ljQLo ;+:yfsf] Ohfhtkq k|fKt u/L of]] a}+s g]kfndf jfl0fHo a}+ssf] a}+lsË Joj;fo ;~rfng u/]sf] 5 .

@= ;~rfns ;ldltaf6 ljQLo ljj/0fx?sf] cg'df]bgcfly{s jif{ @)&#–&$ sf] ;+nUg ljQLo ljj/0fx? a}+ssf] ;~rfns ;ldltn] ldlt @)&$ ;fn sflt{s @ ut]sf] a}7sdf kfl/t eO{ jflif{s ;fwf/0f ;efaf6 cg'df]bg x'g afFsL 5 .

#= ljQLo ljj/0f tof/Lsf] cfwf/ tyf cg'dfgsf] k|of]ua}+ssf] ljQLo ljj/0fx? P]ltxfl;s nfutsf] cfwf/df accrual basis df /xL tof/ ul/Psf 5g\ t/ shf{sf] Aofh cfDbfgL gub cwf/df n]vfÍg ul/Psf 5g\ . ljQLo ljj/0fx? n]vfsf ;j{dfGo l;4fGtx? / /fi6« a}+ssf] lgb]{zg g+= $ ;Fu d]n vfg] u/L tof/ ul/Psf 5g\ . ;fy} a}+ssf] n]vf gLlt tof/ ug{ tyf nfu" u/fpg Joj:yfkgsf] ljj]ssf] k|of]u cfjZos 5 . Joj:yfkgåf/f k|of]u ul/Psf cg'dfg tyf gLltx? jt{dfg kl/l:ylt cGtu{t plrt ePsf] ljZjf; ul/Psf] 5 . ljQLo ljj/0fx? g]kfn /fi6« a}+sn] tf]s]sf] 9fFrf cg'?k 5g\ .

$= cg'kfngf ;DaGwL k|ltj4tf;+nUg ljQLo ljj/0fx? g]kfn n]vfdfg af]8{åf/f hf/L ul/Psf dfkb08x? (NFRS) cg';f/ gePsf] t/ n]vfsf ;j{dfGo l;4fGtx?, a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&#, g]kfn /fi6« a}+såf/f hf/L ul/Psf lgb]{zgx? tyf sDkgL P]g @)^# sf] clwgdf /xL tof/ kfl/Psf] 5 . cfly{s ljj/0fx? cGoyf pNn]v ul/Psf] afx]s k|f]befjL (Accrual) cfwf/df u0fgf ul/Psf] 5 .

%= k|d'v n]vf gLlt ;f/f+zljQLo ljj/0fx? tof/ kfbf{ cfwf/ dflgPsf ;j{dfGo n]vf gLltx? tn pNn]v ul/Psf 5g . cGoyf pNn]v ul/Psf]df afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

%=!= Jofh cfDbfgLg]kfn /fi6« a}+ssf] lgb]{zfg';f/ shf{ ;fk6df kfs]sf] AofhnfO{ gub k|flKtsf] cfwf/df cfDbfgL hgfpg] u/L n]vfÍg ug]{ gLlt /x]sf] 5 . nufgL tyf sdrf{/L shf{af6 cflh{t Aofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 . To;}u/L 6«]h/L laN;df kfs]sf] Aofh cfDbfgLnfO{ laN;sf] d"Nodf k"FhLs[t ul/Psf] 5 .

%=@= sldzg cfosf] n]vfÍg a}+sn] ljleGg sf/f]af/df k|fKt u/]sf] sldzgnfO{ gub k|flKtsf] cfwf/df cfDbfgLdf n]vfÍg ug]{ gLlt lnPsf] 5 . t/, Ps jif{ eGbf a9L cjlwsf] nflu hf/L ul/Psf] hdfgt kq / k|ltt kq jfkt k|fKt x'g] ¿= !,)),))).– eGbf al9sf] sldzgnfO{ cjlwsf] cfwf/df cfDbfgL afFlwPsf] 5 .

%=#= nfef+z cfoz]o/ nfufgLaf6 k|fKt nfef+z cfonfO{ k|flKtsf] xs (Right to receive) sfod ePsf] cfwf/df n]vfÍg ug]{ gLlt lnPsf] 5 . afl;Gbf sDkgLn] 3f]if0ff u/]sf] gub nfef+znfO{ >f]tdf s/ s§L ul/P kZrft\ afFsL /x]sf] /sdsf] cfwf/df n]vfÍg ul/G5 .

%=$= ljb]zL ljlgdo sf/f]af/x?ljb]zL d'b|f sf/f]af/af6 x'g] cfDbfgL dWo] v/Lb laqmLaf6 x'g] gfkmf÷gf]S;fg / ljb]zL d'b|fsf] k'gd{'NofÍgaf6 x'g] gfkmf÷gf]S;fgsf] :ki6 b]lvg] u/L 5'§f5'§} n]vf /fVg] u/]sf] 5 .

jf;nftsf] ldltdf ljb]zL d'b|fdf df}Hbft /x]sf ;DklQ Pj+ bfloTjx?nfO{ ;f]xL ldltdf sfod /x]sf] ljlgdo b/sf] dWo b/ -v/Lb tyf ljqmL b/sf] cf}ift b/_ sf] cfwf/df ?kfGt/ ug]{ gLlt lnPsf] 5 .

19 ANNUAL REPORT


65

g]kfn /fi6« a}+ssf] ljBdfg lgb]{zg cg';f/, ljb]zL ljlgdo b/sf] k'gd{"NofÍgaf6 ePsf] cfDbfgL dWo] @%Ü /sd ;6xL 36a9 sf]ifdf ;fg]{ gLlt lnPsf] 5 . ;fy}, k'gd{"NofÍg gf]S;fg ePdf gfkmf gf]S;fg lx;fadf vr{ n]Vg] gLlt lnPsf] 5 . ljb]zL ljlgdo kmjf{8 sG6«ofS6df x'g] lk|ldod÷l8:sfpG6nfO{ sG6«ofS6sf] cjlwsf cg';f/ gfkmf gf]S;fg lx;fadf n]vfÍg ul/Psf] 5 .

%=%= Aofh vr{lgIf]k bfloTj tyf a}+sn] lnPsf] ;fk6Ldf ltg'{ kg]{ AofhnfO{ kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 .

%=^= shf{, ;fk6 tyf lan v/Lbo; zLif{sdf u|fxsnfO{ k|bfg ul/Psf k|ToIf shf{x? kb{5g\ . o; cGtu{t cNkfjlw shf{, bL3f{jlw shf{, pkef]Qmf shf{ tyf k|fyldstf k|fKt / ljkGg ju{ shf{x? /x]sf 5g\ h'g g]kfn /fi6« a}+ssf] lgb]{lzsfsf] clwgdf /xL hf]lvdsf] cfwf/df jlu{s[t 5g\ . pk/f]Qm shf{, ;fk6, clwljsif{ / lan v/Lb /sdnfO{ shf{ gf]S;fgL Joj:yf 36fO{ v'b /sd jf;nftdf b]vfOPsf] 5 .

%=&= shf{÷;fk6sf] ;fjfF tyf Aofh c;'nLC0fL u|fxsaf6 c;'n ePsf] /sd dWo] ;'?df aSof}tf Aofh /sdsf] c;'nL n]vfÍg u/L afFsL /x]sf] /sdnfO{ aSof}tf ;fjfF /sdsf] c;'nLdf k|of]u ul/G5 .

%=*= sd{rf/L shf{a}+ssf] sd{rf/L ljlgodfjnL @)^( sf] clwgdf /xL sd{rf/Lx?nfO{ k|bfg ul/Psf shf{ tyf ;fk6Lx? æcGo ;DklQx?Æ zLif{s cGtu{t b]vfOPsf] 5 .

%=(= shf{ gf]S;fgL Joj:yfa}+ssf] shf{ Pj+ nufgLdf lglxt hf]lvdnfO{ Go"g ug{ cfjZos /sdsf] Joj:yf ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{lzsfsf] cfwf/df shf{, ;fk6, clwljsif{ tyf lan v/LbnfO{ jlu{s/0f u/L ! b]lv !)) k|ltzt ;Dd shf{ gf]S;fgL Joj:yf ul/Psf] 5 .

%=!)= shf{ ckn]vg gLlt a}+sn] c;'n pk/ x'g g;Sg] shf{x? g]kfn /fi6« a}+saf6 :jLs[t a}+ssf] shf{ ckn]vg ljlgodfjnLsf] clwgdf /xL ckn]vg ug]{ gLlt lnPsf] 5 .

vftfaf6 ckn]vg ul/;s]sf] shf{jf6 c;'n pk/ x'g] ;fFjf tyf Aofh /sdnfO{ k|fKt ePsf] jif{df cfDbfgL hgfpg] gLlt /x]sf] 5 .

%=!!= ;fk6Lx? ;fk6L cGtu{t :jb]zL jf ljb]zL d'b|fsf cGt/ a}+s ;fk6L tyf g]kfn /fi6« a}+ssf] k'g/shf{ ;fk6Lx? kb{5g\ . ;fk6Lx? k"/f d"Nodf s/f/ k|f/De ePsf] ldltdf n]vfÍg ul/G5 / e'QfgL ldltdf o:tf ;fk6Lx? km5\{of}6 ePsf] dflgG5 .

%=!@= lgIf]kx? lgIf]k cGtu{t :jb]zL jf ljb]zL d'b|fsf lgIf]kx? u|fxssf rNtL, art, dfu]sf] avt ltg{' kg{], d'2tL, dflh{g tyf cGo vftfsf] /sd kb{5g\ .

lgIf]kx? k"/f d"Nodf hDdf ePsf]] ldltdf n]vfÍg ul/G5 / e'QmfgL ldltdf o:tf lgIf]kx? km5{\of}6 ePsf] dflgG5 .

%=!#= nufgL ;DaGwL gLlt a}+sn] Jofkfl/s tyf cGo k|of]hgsf] nflu ul/Psf] nufgLnfO{ 5'§f5'§} b]vfpg] u/]sf] 5 . a}+sn] u/]sf] 6«]h/L lan nufotsf nufgLx? ;a} e'QmfgL ldltdf k|fKt x'g] nufgL cGtu{t b]vfOPsf] 5 . ;"rLs[t z]o/df ePsf] nufgLnfO{ k/n d"No / ahf/ d"Nodf h'g sd x'G5, To;df d"NofÍg ug]{ u/]sf] 5 . ;"rLs[t z]o/df ePsf] nufgLsf] ahf/ d"No 36]sf] cj:yfdf ;Defljt hf]lvd Joxf]g{ gf]S;fgL Joj:yf ug]{ gLlt lnPsf] 5 . ;"rLs[t gePsf sDkgLsf z]o/ tyf l8a]Gr/df ePsf] nufgLsf] d"NofÍg nfut d"Nodf ul/g] gLlt lnPsf] 5 .

df5fk'R5«] a}+s lnld6]8n] u/]sf] nufgLnfO{ tn n]lvP cg';f/ juL{s/0f ul/Psf] 5 M

s_ Jofkfl/s nufgL (Investment Held for Trading):-Jofkfl/s nufgL cGt{utsf nufgLx? ljqmL of]Uo nufgL x'g / o:tf nufgLx?sf] 5f]6f] cjlwd} ljqmL ug]{ / k|ltkmn k|fKt ug]{ k|fylds p2]Zo /x]sf] x'G5 . ;'?jftdf oL nufgLx?nfO{ k/n d"Nodf u0fgf u/L, kl5 ahf/ d"Nodf u0fgf ug]{ ul/G5 .

v_ ljqmLsf] nflu pknAw nufgL (Investment Available for Sale):-o; lsl;dsf] nufgLx?df nfdf] ;do ;Dd laqmL gu/L

19 ANNUAL REPORT


66

wf/0f ug]{ eGbf ljqmL u/L nfut p7fpg] k|fylds p2]Zo /x]sf] x'G5 . ;'?jftdf oL nufgLx?nfO{ k/n d"Nodf u0fgf u/L, kl5 ahf/ d"Nodf u0ffgf ug]{ ul/G5 .

ljqmLsf] nflu pknAw nufgL @ k|ltztsf b/n] nufgL ;dfof]hg hu]8f >[hgf u/]sf] 5 h'g k"/s k"FhLdf ;dfj]z ug{ of]Uo 5 .

u_ e'QmfgL ldlt ;Dd wf/0f ug]{ nufgL (Investment Held ll Maturity : HTM):-o; lsl;dsf] nufgLx? e'QmfgL ldlt ;Dd wf/0f ug]{] k|fylds p2]Zosf ;fy nufgL ul/Psf x'G5g\ / oL nfut d"Nosf cfwf/df jf;nftdf e'QmfgL ldlt;Dd b]vfOPsf x'G5g\ . o:tf nufgLdf >[hgf x'g] gf]S;fgLnfO{ gfkmf gf]S;fg lx;fjdf Joj:yf ul/G5 . o:tf nufgL v/Lb ubf{ nfu]sf] lk|ldodnfO{ nfut vr{sf cÍsf] ?kdf n]vfÍg ul/G5 / tTkZrft\ ;dfg'kflts lx;fan] e'QmfgL ldlt;Dd Jofh cfDbfgL;Fu ldnfg u/L ckn]vg ul/G5 .

;"rLs[t gePsf sDkgLx?df ul/Psf] nufgLx?nfO{ nfut d"Nodf hgfpg] / jf;nftdf b]vfpg] ul/G5 . o:tf nufgLdf >[hgf x'g] IfL0ft gf]S;fgLnfO{ gfkmf gf]S;fg lx;fadf Joj:yf ul/G5 .

%=!$= l:y/ ;DklQdf x|f;s§L gLlt-s_ l:y/ ;DklQnfO{ P]ltxfl;s d"No -Historical Cost_ sf]

cjwf/0ff d'tfljs b]vfOPsf] 5 . hUufnfO{ x|f;s§L ug]{ ul/Psf] 5}g .

-v_ l:y/ ;DklQnfO{ ;DklQ k|of]u ug{ ;lsg] cjlw -Expected Useful Life_ sf cfwf/df ;db/ k|0ffnLaf6 x|f; s§L ul/Psf] 5 . x|f; s§L k|of]hgsf nflu Joj:yfkgn] l:y/ ;DklQsf] k|of]u of]Uo cfo' lgDgfg';f/ cg'dfg u/]sf] 5 .

l:y/ ;DklQsf k|sf/ cfo" -jif{_!= Efjg 50

@= ;jf/L ;fwg 7

#= sf7sf kmlg{r/ 8

$= wft'sf kmlg{r/ 10

%= sfof{no pks/0f 10

^= sDKo'6/ 5

&= h]g]/]6/ tyf cGo 10

-u_ k|:t't jif{df v/Lb Pj+ k"FhLs/0f ul/Psf] ;DklQx?df v/Lb jf k|fKt u/]sf] dlxgfsf] csf]{ dlxgf b]lv x|f; s§L u/L vr{ n]Vg] Joj:yf ul/Psf] 5 . ljqmL tyf ckn]vg ul/Psf] l:y/ ;DklQsf] xsdf ljqmL tyf ckn]vg x'g' eGbf cufl8sf] dlxgf;Dd x|f; s§L ul/Psf] 5 .

-3_ cfos/ k|of]hgsf] lgldQ cfos/ P]g @)%* cg';f/ 5'§} x|f; s§L ljj/0f tof/ kf/L s/ n]vf k/LIf0f ug]{ gLlt lnPsf] 5 .

-ª_ a}+sn] ¿= %,))).– ;Dd df]n kg]{ l:y/ ;DklQ k|s[ltsf ;fdfgx? v/Lb ubf{ To:tf pks/0f tyf ;fdfgx? k"FhLs[t gu/L ;f]em} vr{ n]Vg] gLlt lnPsf] 5 .

-r_ nLhxf]N8 ;DklQ / ;km\6j]o/ nfut nfO{ k|of]u ug{ ;lsg] cjlwsf cwf/df ckn]vg vr{ ul/Psf] 5 t/ k|of]u ug{ ;lsg] cjlw lglZrt gePdf kfrF aif{sf] cjlwdf ckn]vg ul/Psf] 5 .

%=!%= sd{rf/L ;'ljwfs_ pkbfg Joj:yf a}+ssf] sd{rf/L ljlgofdjnL @)^( tyf >d lgodfjnL

@)%) cg';f/ # jif{ eGbf a9L sfo{ ug]{ sd{rf/LnfO{ pkbfg lbg] Joj:yf u/]sf] 5 . a}+sn] pkbfg jfktsf] /sdnfO{ gful/s nufgL sf]ifsf] :jLs[t pkbfg of]hgfdf nufgL u/]sf] 5 .

v_ sd{rf/L ;~rosf]if a}+ssf ;a} :yfoL sd{rf/Lx?nfO{ a}+ssf] defi ned

contribu on plan adf]lhd lghsf] tnadfgaf6 !) k|ltzt /sd s§L u/L ;f]xL a/fa/sf] /sd a}+ssf] tkm{af6 yk of]ubfg u/L ;~rosf]if Joj:yf lbOg] gLlt /x]sf] 5 .

u_ sd{rf/L labf jfktsf] vr{M a}+ssf] sd{rf/L ljlgodfjnL adf]lhd s{drf/Lx?nfO{ jflif{s

labf, la/fdL labf, e}k/L labf, ;'Ts]/L labf, k|;'lt :ofxf/ labf, ;6\f labf tyf s[of labf jfkt k|bfg ub{5 . k|To]s jflif{s labf / la/fdL labf a9Ldf () lbg ;Dd ;l~rt ug{ kfOG5 . k|To]s labf s'n () lbg eGbf a9L ePsf] labf afktsf] /sdnfO{ k|To]s jif{ gubdf e'QfgL ul/G5 . k|To]s jif{ ciff9 d;fGt;Dd sd{rf/Lx?sf] gfddf kfs]sf] labf dWo] pkof]u geO{ afFsL /x]sf] labf cjlwnfO{ a}+ssf] vr{ b]vfO{ bfloTjsf] ?kdf u0fgf ul/G5 .

%=!^= sd{rf/L af]g; vr{sd{rf/L af]g; Joj:yf af]g; vr{ 36fP kl5sf] v'b d'gfkmfaf6 !) k|ltzt u/]sf] 5 .

19 ANNUAL REPORT


67

%=!&= :6]zg/L df}Hbfta}+sn] vl/b u/]sf] ;a} lsl;dsf] :6]zg/L tyf 5kfO{ ;fdfu|Lx? dWo] afFsL /x]sf] df}HbftnfO{ FIFO (First In First Out) Method af6 d"NofÍg u/L cGo ;DklQdf b]vfpg] u/]sf] 5 .

%=!*= cfos/s_ cfos/ Joj:yf

cfos/ P]g @)%* -;+zf]wg ;lxt_ adf]lhd cfos/ Joj:yf ul/Psf] 5 .

v_ :yug s/:yug s/sf] n]vfÍg k|of]hgsf] nflu ;DklQ tyf bfloTjnfO{ cfwf/ dfg]/ n]vfÍg ul/Psf] 5 . ljQLo ljj/0f cg';f/ ;DklQ tyf bfloTjsf] /sd tyf s/sf cfwf/aLr km/s eO{ >[hgf x'g] c:yfO{ cGt/ -Temporary Diff erence_ sf] sf/0fn] eljiodf >[hgf x'g] s/ bfloTj tyf ;DklQsf] nut /fVg] p2]Zon] :yug s/sf] n]vfÍg ul/Psf] 5 . :yug s/ ;DklQ tyf bfloTjdf >[lht pQm c:yfO{ cGt/ -Temporary Diff erence_ k|fKt x'g] jf ;dfof]hg x'g] jif{x?sf] s/of]Uo cfodf nfu" x'g] cg'dflgt s/ b/df k|rlnt sfg"g cg';f/ d"NofÍg ul/Psf] 5 . c:yfO{ cGt/ / k/ ;fl/Psf] gf]S;fgsf] sf/0f cfpg] :yug s/ ;DklQ eljiodf x'g] cfDbfgLdf k|of]u ug{ ;lsg] ;Ldf;Dd s/sf] n]vfÍg ul/Psf] 5 .

%=!(= u}/ a}+lsË ;DklQsf] n]vfÍg gLlt u}/ a}+lsË ;DklQ eGGffn] shf{ tyf ;fk6 c;'nLsf] qmddf a}+sn] cfk\mgf] lgoGq0fdf lnPsf] ;DklQ eGg] a'lemG5 . To:tf] ;DklQsf] ;sf/ ubf{ ahf/ d"NonfO{ Wofgdf /fvL shf{ /sd jf ahf/ d"No dWo] h'g sd x'G5 ;f]xL d"Nodf ;sf/ ug]{ gLlt /x]sf] 5 . g]kfn /fi6« a}+sn] lbPsf] lgb]{zg adf]lhd oL ;DklQdf ul/Psf] Joj:yf /sdnfO{ Go"g u/L jf;nftdf b]vfOPsf] 5 .

%=@)= jf;nft ldlt kl5sf 36gfx?jf;nft ldlt kl5sf 36gfx? To:tf cg's'n tyf k|lts'n 36gfx? x'g\, h'g jf;nft ldltb]lv ljQLo ljj/0f hf/L ug{sf nflu cg'df]bg ul/Psf] ldltsf aLr 3l6t x'G5g\ . o; kl/k|]Ifdf, jf;nft ldlt kZrft\ 3l6t ;a} ;f/e"t tyf dxTjk"0f{ 36gfx?nfO{ Wofg lbOPsf] 5 / o; k|ltj]bgdf pko'Qm ?kdf k|:t't ul/Psf] 5 .

%=@!= ;Defljt vr{ Joj:yf, ;Defljt bfloTj / ;DklQa}+sn] ;+:yfsf] ljutsf 36gfx?af6 l;lh{t jt{dfg bfloTjx?sf] lglDt Joj:yf (Provisioning) ug]{ u/]sf] 5, h;sf] /fkm;fkmsf (Se lement) lglDt ;+:yfsf] cfly{s nfe lbg] ;fwgx?sf] alxu{dg (Ou low) / bfloTj /sdsf] ;d'lrt cg'dfg ug{ ;lsG5 .

jt{dfg bfloTj, h;sf] /fkm;fkmsf] lglDt ;fwgx?sf] alxu{dg x'G5 jf x'b}g To:tf ;+efljt bfloTjx?nfO{ ljQLo ljj/0fdf v'nfO{ hfgsf/L u/fO{G5 . To:tf ;+efljt jf jt{dfg bfloTjx?, h;sf] /fkm;fkmsf] lglDt cfly{s nfe lbg] ;fwgx?sf] alxu{dg x'g] ;+efjgf Go"g 5, df5fk'R5«] a}+s jflif{s k|ltj]bg @)&#÷&$ ljj/0fdf Joj:yf (Provisioning) jf hfgsf/L u/fPsf] 5}g . ;+efljt bfloTjx?nfO{ ljQLo ljj/0fsf] cg';"rL !& df b]vfOPsf] 5 .

;+efljt ;DklQx?nfO{ ljQLo ljj/0fdf n]vfÍg ul/Psf] 5}g . oBlk ;+efljt ;DklQx?sf] nuftf/ d"NofÍg ug]{ ul/Psf] / cfly{s nfe k|fKt x'g] lglZrt k|fo ePdf To:tf] ;DklQ / ;f];Fu ;DalGwt cfDbfgLnfO{ h'g cjlwdf kl/jt{g x'g] xf] ;f]xL cjlwdf n]vfÍg ug]{ ul/Psf] 5 .

%=@@= kl/rfng k§f k|lta4tfa}+såf/f ljleGg ;fdfgx? nfdf] ;do ;Ddsf] nfuL k§fdf lnOPsf] 5 . a}+s;Fu ;do cufj} ;Lldt lbgsf] dx'nt lbO{ k§f ;dflKt ug]{ :jfldTj x'g] x'gfn] eljiosf] bfloTj dx'nt lbPsf] ;do;Dd dfq /xg]5 . k§f ;DaGwL vr{ æk§f3[t ;DklQÆ df btf{ ul/G5 / o;sf] ckn]vg % jif{ jf k§fsf] cjlw dWo] h'g sd x'G5 ;f]xL cjlwdf ul/G5| .

%=@#= ut jif{sf cÍx?ljQLo ljj/0fx? lgs6td cÍdf g]kfnL ?k}ofFdf k|:t't ul/Psf 5g\ . ut jif{sf c+sx?nfO{ t'ngf ug{ ;lhnf] agfpg cfjZostfg';f/ k'gM ;fd"lxlss/0f ul/Psf] 5 .

19 ANNUAL REPORT


68

cg';"rL – ##

n]vf ;DaGwL l6Kk0fLx?cfly{s jif{ @)&#÷&$

a}ssf] n]vf ;DaGwL l6Kk0fLx? lgDgfg';f/ /x]sf 5g\ M

!= r'Qmf k"FhLdf ePsf] kl/jt{g a}+ssf] r'Qmf k"FhLdf ePsf qmdzM j[lå tnsf] tflnsfdf

k|:t't ul/Psf] 5 .cfly{s jif{ r'Qmf k"FhL ljj/0f@)^!.^@ 550,000,000 z'? df}Hbft

@)^@.^# 715,000,000 30% xbk|b z]o/ hf/L u/]kl5

@)^#.^$ 821,651,300 14=92% af]g; z]o/ hf/L u/]kl5

@)^$.^% 901,339,300 ¿= 79,688,000 sn Og P8\ef:f ;dfj]z u/]kl5

@)^%.^^ 1,479,269,600 10M6 xbk|b z]o/ / 12=50% af]g; z]/ hf/L u/]kl5

@)^^.^& 1,627,196,560 10% af]g; z]o/ hf/L u/]kl5

@)^&.^* 1,627,196,560@)^*.^( 2,478,794,560 ¿= 851,598,000 :6f08{8

kmfOgfG; dh{/ u/]kl5@)^(.&) 2,478,794,560@)&).&! 2,776,249,907 12% af]g; z]o/ hf/L u/]kl5

@)&!.&@ 3,484,123,196 ¿= !&$,*##,@*( sn Og P8\ef:f / ¿= %##,)$),))) af]g; z]o/ ;dfj]z u/]kl5

@)&@.&# 4,666,430,000 ¿= *)!,*(),))) af]g; z]o/ / ¿= %%,@%),)(# xsk|b z]o/ hf/L u/]kl5 .

@)&#.&$ 7,716,605,100 !@ % xsk|b ;]o/sf] sN; Og P8efG; ¿= $%@,&%^,!)) / ¿ ^^%,!$(,))) k|:tfljt af]g; z]o/ ;dfj]z u/]kl5 .

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ jfl0fHo a}+sx?n] @)&$

sf] c;f9 d;fGt -jflif{s ;fwf/0f;ef ldlt;Dd_ r'Qmf k"FhL * ca{ k'¥ofpg' kg]{ Joj:yf u/]sf] 5 .

a}+ssf] c;f9 d;fGtdf r'Qmf k'FhL ¿= ^,%(*,&)),))) /x]sf] 5 . jf;fnt x:tfIf/ ldlt @)&$ .)&.)@ ;Dd a}+ssf] r'Qmf k'FhL ¿= &,#&$,$^(,&#^ -!@Ü xsk|b k'FhLs/0f, h;df Unsubscribed xsk|bsf] lnnfd laqmL jfkt cfpg] /sd ¿= !^,)&$,@^$ ;dfj]z u/L ;fy} a}+ssf] k|:tfljt af]g; z]o/ ¿= ^^%,!$(,))) sf] k'FhLs/0f kZrft r'Qmf k'FhL ¿= *,)%%,^(#,))), cyf{t /fi6« a}+ssf] lgb]{zg cg'?k k'Ug] 5 .

@= ;fwf/0f hu]8f sf]if a}+s tyf ljQLo ;:yf ;DaGwL P]g, @)&# sf] bkmf $$

adf]lhd a}+sn] ;fwf/0f hu]8f sf]if r'Qmf k"FhLsf] @ u'0ff gk'u] ;Dd k|To]s jif{sf] gfkmfaf6 @)Ü /sdfGt/ ug'{k5{ . o; cfly{s jif{sf] d'gfkmf af6 ¿= @^),$(^,^*^ /sdfGt/ ul/Psf] 5 .

#= ;6xL 36a9 sf]if a}+s tyf ljQLo ;:yf ;DaGwL P]g, @)&# sf] bkmf $%

adf]lhd a}+sn] k'gd"{NofÍsgaf6 cflh{t /sd dWo]af6 @%Ü /sd ;6xL 36a9 sf]ifdf ljlgof]hg ug'{kg]{ Joj:yf 5 . o; jif{ ljb]zL d'b|fdf c+lst ;DklQ tyf bfloTjsf] k'gd"{NofÍsgaf6 cflh{t d'gfkmf jfkt ¿= $*^,(() nfO{ ;6xL 36a9 sf]ifdf hDdf ul/Psf] 5 .

$= sd{rf/L bIftf clej[l¢ sf]if g]kfn /fi6« a}+ssf] kl/kq g+ !).)&#.)&$ cg';f/ a}+s tyf

ljlQo ;+:yfn] sd{rf/Lsf] bIftf clej[l¢sf] nflu k|To]s jif{, ut cf=j=sf] s"n sd{rf/L vr{sf] Go"gtd # k|ltzt /sd tflnd tyf j[lQ ljsf;df vr{ ug{'kg]{5 . o; jif{ sd{rf/L tflnd tyf j[lQ ljsf;df ¿= ^,&%!,#&) vlr{t ePsf] / cl3Nnf] cf=jdf sd{rf/L vr{sf] # k|ltztn] x'g] /sd ¿= !#,(((,)*& ÷– df o; jif{ vr{ x'g g;s]sf] ¿=&,@$&,&!^÷– nfO{ gfkmf gf]S;fg afF8kmfF8 lx;fjaf6 ljlgof]hg u/L sd{rf/L bIftf clej[l¢ sf]ifdf hDdf ul/Psf] 5 .

%= ;+:yfut ;fdflhs pQ/bfloTj sf]if g]kfn /fi6« a}+ssf] kl/kq g+ !!.)&#.)&$ cg';f/ a}+s tyf

ljlQo ;+:yfn] ;fdflhs pQ/bloTj ;DaGwL sfo{df yk lqmofzLn x'g x/]s cfly{s jif{sf] v'b d'gfkmfsf] sDtLdf ! k|ltzt /sd ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDdf ug'{ kg]{5 . ;f]xL cg'?k, ¿= !#,)@$,*#$÷– nfO{ gfkmf gf]S;fg afF8kmfF8 lx;fjaf6 ljlgof]hg u/L ;+:yfut ;fdflhs pQ/bfloTj sf]ifdf hDdf ul/Psf] 5 .

19 ANNUAL REPORT


69

^= k|:tfljt nfef+z a}+ssf] ;~rfns ;ldltn] o; aif{sf] gfkmf / z]o/

lk|ldodaf6 r'Qmf k"FhLsf] ^ k|ltzt gub nfe+fz / ( k|ltzt jf]g; z]o/ ljt/0f ug{] k|:tfj u/]sf] 5 . h'g /fi6« a}+s / jflif{s ;fwf/0f ;efaf6 cg'df]bg x'g afFsL 5 .

&= cfjf; sf]if a}+sn] sd{rf/L 3/ ;fkl6sf] Joj:yf ldnfPsf] x'Fbf >d

P]g, @)&$ n] Joj:yf u/] cg';f/ sd{rf/L cfjf; sf]ifsf] nflu 5'§} /sd Joj:yf u/]sf] 5}g .

*= pkbfg / ;l~rt labf jfktsf] Joj:yf a}+sn] o; jif{ pkbfg bfloTj cGt{ut yk ¿= @^,!(&,^^!÷–

a/fa/sf] Joj:yf u/]sf]] 5 . ;l~rt labf tyf pkbfg bfloTj PSr'cl/on d'NofÍg (Actuarial Valua on) cg';f/ n]vfÍg u/]sf] 5}g . a}+sn] yk ¿= &,%$%,!^#÷– rfn' jif{sf] hDDff labf Joj:yf gfkmf gf]S;fg lx;fadf ldnfg u/]sf] 5 . ;fy} jflif{s 3/ labfdf () / la/fdL labfdf () lbg ;~ro u/L a9L labf jfktsf] /sd ¿= !),&^*,#@)÷– nfO{ gfkmf gf]S;fg lx;fa vftfdf vr{ hgfOPsf] 5 .

ljj/0f /sd -¿=_pkbfg jfkt Joj:yf #!.)#.@)&# -yk M o; jif{sf] pkbfg jfkt yk Joj:yf 26,197,661Go"g M CIT df pkbfg jfkt hDdf ul/Psf] 26,197,661pkbfg jfkt Joj:yf #!.)#.@)&$ -

ljj/0f /sd -¿=_labf jfkt Joj:yf #!.)#.@)&#

103,022,091

yk M o; jif{sf] labf jfkt yk Joj:yf

18,313,483

Go"g M labf jfktsf] e'QmfgL 10,768,320v'b labf jfkt Joj:yf @)&#.&$

7,545,163

pkbfg jfkt Joj:yf #!.)#.@)&$

110,567,254

(= u}x| a}lsË ;DklQ ;DjGwL ljj/0fljj/0f /sd -¿= nfvdf_

ut jif{ ;Ddsf] df}Hbft 1,195.2o; jif{sf] yk -Go"gM o; jif{sf] ljqmL 946.5Go"gM s'n Joj:yf 248.7v'b u}x| a}lsË ;DklQ -

!)= ;Defljt cfos/ bfloTj Own Your Vehicle scheme (OYVS) cGtu{t cfly{s jif{

@)^%.^^ b]lv @)^(.&) ;Dd k'gf/fj]bg cjnf]sgsf nflu cfos/ ljefudf d'2fdf /x]sf] ;Defljt cfos/ bfloTjnfO{ kl/R5]b $=!& df b]vfOPsf] 5 .

!!= k/ ;fl/Psf] cfos/ ;DklQ (Deferred Tax Assets) ljj/0fM

a}+sn] k/ ;fl/Psf] cfos/ ;Dklt tyf bfloTjsf] ljj/0f lgDgfg';f/ /x]sf] 5 . -¿= xhf/df_

laj/0f jf;nftsf] /sd

s/ cfwf/ c:yfO{ km/s

l:y/ ;Dklt 542,471 453,290 (89,180)NfufgLdf Joj:yf 1,410 - 1,410u}x| a}lsË ;DklQ Joj:yf 24,871 - 24,871jf]08sf] lk|ldod ckn]vg 1,864 - 1,864Kfpg'kg]{ /sd jfktsf] Joj:yf

835 - 835

s§L x'g gkfPsf] gf]S;fgL 11,648 - 11,648labf jfkt Joj:yf ÷ sNof0fsf/L sf]if

110,667 - 110,667

v'b c:yfO{ km/s 62,114s/sf] b/ 30%k/ ;fl/Psf] cfos/ ;DklQ (Deferred Tax Assets) 18,634ut jif{ ;Ddsf] 43,646o; jif{ yk / -Go"gM_ (25,011)

pk/f]Qmfg';f/sf] k/ ;fl/Psf] cfos/ ;DklQnfO{ gfkmf gf]S;fg afF8kmFf8 lx;fa dfkm{t :yug s/ hu]8f sf]if v8f u/L cGo ;DklQ zLif{s cGtu{t b]vfOPsf] 5 .

!@= nufgL ;dfof]hg sf]if ljqmLsf] nfuL pknAw nufgL (Available for Sale) sf]

xsdf g]kfn /fi6« a}+ssf] lgb]{lzsf $÷)&# tyf *÷)&# Dff pNn]lvt cfjZostf adf]lhd nufgL ;dfof]hg sf]ifsf] kof{Kt Joj:yf ul/Psf] 5 .

pQm sDkgLsf] nufgL olb /fi6« a}+ssf] lgb]{lzsf $ / *

adf]lhd ahf/b/ cg'?k lgoldt ?kn] d"NofÍg (Mark to Market basis) df lx;fa ul/Psf] eP ;f] nufgL ¿= (*,%)$,#^# d"Nosf] x'g] lyof] . tbg';f/ hu]8f

(Reserve) /sd ¿= &*#,!!! / nufgL ;dfof]hg sf]if ?= !%,^^@ n] j[l4 x'g] lyof] -nufgL d"No j[l4sf] @Ü_ .

rfn' cfly{s jif{df nufgL ;dfof]hg sf]ifdf ePsf] kl/jt{g o; k|sf/ /x]sf] 5 M

19 ANNUAL REPORT


70

ljj/0f v'b nufgL s'n sf]ifsf] cfjZostf

;"rLs[t @ Ü 97,721,252 1,954,425

;"rLs[t gePsf] !)) Ü 15,000,000 15,000,000

5'6 x'g] nufgL 5,030,000 -

clGtd df}Hbft 117,751,252 16,954,425

!#= ltg'{kg]{ nfef+z jf;nft ldlt;Dddf a}+sn] e'QmfgL ug{ afFsL s'n nfef+z

¿= #(%,^#%÷– -ut cfly{s jif{ ¿ $@$,$$!÷–_ /x]sf] 5, h;sf] ljj/0f o; k|sf/ /x]sf] 5 M–

nfef+zb]o cf=j rfn' cfly{s jif{ -¿=_ ut cfly{s jif{ -¿=_

2066/2067 312,222 3,33,310

2062/2063 70,221 77,940

2061/2062 13,191 13,191

hDdf 395,635 424,441

!$= k|lt z]o/ cfDbfgL, k|lt z]o/ ahf/ d"No tyf z]o/

sf/f]af/ k|lt z]o/ cfDbfgLsf] lx;fa / ljj/0f o; k|sf/ /x]sf]

5 M

ljj/0fcfwf/e"t k|ltz]o/

cfDbfgL8fONo'6]8

k|ltz]o/ cfDbfgLz]o/wgLnfO{ ljt/0f of]Uo v'b d'gfkmf -¿=_

1,302,483,429 1,302,483,429

z]o/ ;+Vof 65,987,000 65,987,000

Effl/t cf}ift ;]o; ;+Vof

54,264,072 54,264,072

k|lt z]o/ cfDbfgL-¿=_ 24.00 24.00

ut jif{sf] t'ngfdf, o; cfly{s jif{sf] k|ltz]o/ cfDbfgLdf ¿= !=)$ -ut jif{ ¿= @=*$_ n] j[l4 ePsf] 5 . a}+sn] cu|flwsf/ z]o/ tyf C0fkq hf/L gu/]sf] x'gfn] Basic EPS tyf Diluted EPS Pp6} /x]sf] 5 . a}+ssf] z]o/sf] cfly{s jif{sf] clGtd d"No ? #^) -ut jif{ ? ^*)_ /x]sf] 5 .

!%= sd{rf/L 3/ shf{df k|fKt ug'{ kg]{ Aofh ;DaGwL Joj:yf a}+sn] sd{rf/L 3/shf{sf]] s'n /sd a/fa/sf] j[ltbfg

hLjg aLdf k|n]v (Endowment Life Policy) a}+sn] v/Lb

ub{5 . aLdf k|n]v sd{rf/Lsf] cjsfz ldlt;Ddsf] cjlw jf @) jif{ dWo] h'g sd x'G5 ;f] a/fa/sf] cjlwsf nflu v/Lb ul/G5 . k|To]s sd{rf/Ln] cfkm\gf] shf{ kl/df0f cg';f/ aLdf lk|ldod a/fa/sf] ls:tf dfl;s?kdf e'QmfgL ub{5 . k|n]vsf] cjlw ;dfKt ePkZrft, k|n]vaf6 k|fKt x'g] /sd÷af]g;nfO{ shf{sf] ;fFjf tyf Aofh km5\of}6 ug]{ k|of]hgsf nflu pkof]u ul/G5 .

o; jif{sf] 3/shf{df kfs]sf] Aofh ? @#,%)*,$$$÷–

gfkmf gf]S;fg lx;fadf ldnfg ul/ c;'n ug{ afFsL Aofh b]vfOPsf] 5 . c;'n ug{ afFsL Aofhsf] lx;fa cf};t ^Ü Aofhb/df ul/Psf] 5 .

!^= shf{ ;fk6df kl/jt{g -¿= nfvdf_

ljj/0f ut jif{ o; jif{ Kfl/jt{g Kfl/jt{g -Ü_

z'? df}Hbft 348,194 442,342 94,147 27%

shf{ ljt/0f 441,097 497,873 56,776 13%

shf{ c;'nL 346,909 421,548 74,638 22%

;fFjf ckn]vg 40 0.00 -40 -100%

Jofh ldgfxf 120 0.00 -120 -100%

aiff{Gtsf df}Hbft 442,342 5,18,667 76,325

!&= lgIf]k bfloTjdf kl/jt{g lgIf]k bfloTjdf jif{ el/df ePsf] kl/j{tgsf] ljj/0f lgDg

adf]lhd /x]sf] 5M -¿= nfvdf_

ljj/0f ut jif{ o; jif{ kl/jt{g -¿=_

kl/jt{g -Ü_

rNtL 20,695 21,466 77 4%

Afrt 212,085 192,969 (19,115) -9%

d'2tL 174,135 316,290 142,155 82%

dflh{g 3,765 431 54 14%

dfu]sf] avt ltg'{ kg]{ lx;fa

112,236 51,252 (6,0984) -54%

cGo - - -

hDdf 522,918 586,290 81,717

19 ANNUAL REPORT


71

!*= efl/t cf}ift Jofh b/ lgIf]k bfloTj / shf{sf] efl/t cf}ift Jofh b/ cGt/ lgDgfg';f/ /x]sf] 5 .

ljj/0f Jflif{s cf}ift k|ltzt shf{ / nufgLsf] cf}ift Jofh b/ 9.24% lgIf]k tyf C0f ;fk6sf] cf}ift Jofh b/ 4.82% cf}ift Jofh b/ cGt/ 4.42%

!(= ckn]vg x'g afFsL vr{sf] ljj/0f a}+sn] k"j{ ;~rfng vr{ tyf sDo"6/ ;ˆ6j]o/ nufot cGo vr{x?nfO{ vr{ ePsf] ;do b]lv % jif{ leqdf tyf ;do olsg

ePsf] vr{df ;f]xL lx;fan] ckn]vg ug]{ u/]sf] 5 . o; cfly{s jif{sf] cGTodf o;/L ckn]vg x'Fg afFsL vr{ /sdsf] ljj/0f lgDgfg';f/ /x]sf] 5 .

-¿= nfvdf_ljj/0f Nfut d"No Vl/b d"No ckn]vg ckn]vg kl5sf] /sd

ut jif{ ;Ddsf]

o; jif{sf] hDdf

;ˆ6j]o/ vr{ 868 45 425 53 478 435

:yug vr{ -cjf:tljs vr{_ 1,871 181 1,198 162 1,360 692

hDdf 2,740 226 1,623 215 1,838 1,128

@)= Aofhsf] k"FhLs/0fs_ a}+sn] /fli6«o k|fyldstf kl/of]hgfx?sf] AofhnfO{ g]kfn /fi6« a}+ssf] cg'dlt÷cg'df]bg lnP/ ¿= 16,838,382.57÷–

k"FhLs/0f u/]sf] 5 .v_ a}+sn] c;f/ dlxgf ;Dd kfs]sf] Aofh aif{fGt kl5sf] ;fpg !% ut] leq k|fKt ¿= 27,547,384÷– /sdnfO{ g]kfn /fi6«

a}+ssf] lgb{]zg g+= $.@)&# sf] k|fjwfg adf]lhd cfDbfgL hgfPsf] 5 .

@!= Ps If]qdf clws]Gb|Lt /x]sf] hf]lvdsf] ;f/f+z a}+ssf] ;DklQ / bfloTj;Fu ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ s'g} Ps JolQm, kmd{, ;+3;+:yf tyf Ps If]qdf

clws]Gb|Lt /x]sf] hf]lvdsf] ;f/f+z lgDgfg';f/ /x]sf] 5 . -¿= nfvdf _

ljj/0f shf{ ;fkl6 tyf laN; lgIf]k / ;fk6L

@)&$ cfiff9 #! df /x]sf] df}Hbft 518,667 587,897

Ps OsfOdf ePsf] pRrtd Exposure 10,099 22,877

Ps OsfOdf ePsf] pRrtd Exposure sf] k|ltzt 1.95% 3.89%

@@= ;Ifd kl/of]hgf ;Ifd kl/of]hgf DFID sf] nufgLdf ;~rflnt Access to Rural Banking cGtu{t ul/Psf] ;Ifd kl/of]hgf ;Demf}tf cg';f/,

vr{sf] %) k|ltzt /sd kl/k"lt{ ul/g] Joj:yf 5 . ;f]xL cg';f/ vr{sf] %) k|ltzt /sdnfO{ cfDbfgL hgfOPsf] 5 . o; cfly{s jif{df clu|ddf ¿= &(,%!,%%(÷– ;Ifdaf6 k|fKt ePsf]df, hDdf vr{ ¿= #^,!$,%!!÷–sf] %) k|ltztn] x'g] /sd ¿= !*,)&,@%% ÷– nfO{ cfDbfgL hgfOPsf] 5 .

@#= t/ntf ;DaGwL hf]lvd t/ntf ;DaGwL hf]lvd Go"gLs/0f ug{ a}+sn] cfˆgf] bfloTj tyf ;DklQnfO{ e'QmfgL cjlwsf] cfwf/df ljleGg ;do cGt/fndf

alu{s/0f ug'{ kg]{ ;DaGwdf g]kfn /fi6« a}+sn] lbPsf] lgb]{zg cg';f/ juL{s/0f ug]{ u/]sf] 5 / ;f]sf] ljj/0f lgDgfg';f/ /x]sf] 5 .

19 ANNUAL REPORT


72

e'QmfgL cjlwsf] cfwf/df ;DklQ bfloTjsf] auL{s/0f -¿= nfvdf_

ljj/0f ! —() lbg (! —!*) lbg

!*! —@&) lbg

@&! —#^% lbg

! Jfif{ eGbf a9L

s'n /sd

-s_ ;DklQ

!= gub df}Hbft 19,630 - - - - 19,630

@= a}+s df}Hbft 77,131 - - - - 77,131

#= ljb]zL a}+sdf ul/Psf] nufgL 11,347 - - 2,076 - 13,422

$=sn dlg - - - - - -

%= g]kfn ;/sf/sf] C0f kq 3,538 3,440 1,970 480 36,720 46,148

^= g]kfn /fi6« a}+s C0f kq - - - - - -

&= cGt/ a}+s shf{ - - - 696 - 696

*= shf{ ;fk6 132,738 54,790 50,600 45,980 234,560 518,668

(= kfpg' kg]{ Aofh 627 - - - - -

!)= l/e;{ l/kf] - - - - - -

!!= k|lta4tf cGtu{t cGo ;+:yfx?af6 k|fKt x"g] - - - - - -

!@+ qm=;= @), @! / @@ sf ;'ljwfx?sf] e"QmfgL 7,023 956 327 470 1,111.00 9,887.00

!#= cGo 268 16 9 2 2,618.00 2,913.00

s'n ;DklQ 317,920 67,950 55,930 53,952 308,570 804,332-v_ bfloTj!$= rNtL lgIf]k 3,736 - - - 17,730 21,466 !%= art lgIf]k 29,863 - - - 214,360 244,223 !^= d'2tL lgIf]k 120,480 40,020 32,600 102,600 20,590 316,290 !&= C0f kqx? - - - - - - !*= ;fk6L 27 1,560 - 20 - 1,607

dfu÷cNk ;"rgf - - - - - - cGt/ a}+s÷lj=;+:yf - - - - - - k"g/shf{ 27 1,560 - 20 - 1,607 cGo - - - - - -

!(= cGo bfloTj tyf Joj:yfx? M 4,343 20 - 20 - 4,383 ;l08« qm]l86;{ 654 - - - - 654 e'QmfgL lbg' kg]{ ljn 30 - - - - 30 e'QmfgL lbg' kg]{ Aofh 3,659 20 - 20 - -Joj:yfx? - - - - - - cGo - - - - - -

@)= k|lta4tf cGtu{t cGo ;+:yfx?nfO{ lbg' kg]{ 12,340

1,820 - - - 14,160

@!+= pkef]u e} g;s]sf] :jLs[t ;'ljwfx? 33,760 33,760@@= k|lttkq÷hdfgt -v'b_ 23,250 7,740 3,270 4,700 11,110 50,070 @#= l/kf] - - - - - - @$= qm=;= !! cGtu{tsf] ;'ljwfsf] e'QmfgL - - - - -

- @%= cGo 25,180 - - - 370 25,550 s'n bfloTj 252,979 51,160 35,870 107,340 264,160 711,509 v'b ljQLo ;DklQ 64,941 16,790 20,060 -53,388_ 44,410 92,813 ;l~rt v'b ljQLo ;DklQ 64,941 81,731 101,791 48,403 92,813 -

19 ANNUAL REPORT


73

@$= g]kfn /fi6« a}+saf6 k'g{shf{ :j?k ¿= !^),&(#,@^# c;f9 d;fGtdf jSof}tf b]lvPsf] 5 . pQm shf{ o;} a}+sn] k|jfx u/]sf] shf{nfO{ lwtf] /fvL k|fKt ul/Psf] 5 .

@%= Ph]G;L a}+s l/slG;lno;gsf] cj:yf M Ph]G;L a}s vftfx?sf] lgoldt ?kdf l/slG;lno;g ug]{ ul/Psf] 5 . Ph]G;L a}+s tyf o; a}+sn] hDdf÷vr{ u/]sf] /

l/slG;lno;g e};s]sf] ePtfklg aSof}tf /x]sf] /sdx?sf] d'b|fut ;f/f+z ljj/0f lgDgfg';f/ /x]sf] 5 .¿= xhf/df

d'b|f a}+s vftf k]lG8Ë Ph]G;L a}+s vftf k]lG8Ë

8]la6 ¿= qm]l86 ¿= 8]la6 ¿= qm]l86 ¿=

cd]l/sL 8n/

! jif{;Dd - 16.52 3.65 11.43

! jif{eGbf dfly # jif{;Dd 0.29 0.58 - 0.67

# jif{eGbf dfly - - - -

kfpG8 :6ln{Ë

! jif{;Dd 0.95 12.00 0.01 1.64

! jif{eGbf dfly # jif{;Dd - - - -


o"/f]

! jif{;Dd - 2.98 1.43 2.54

! jif{eGbf dfly # jif{;Dd - 0.03 - -


c:6«]lnog 8n/

! jif{;Dd - - - -



hfkfgL o]g

! jif{;Dd 1,700.00 2,311.02 3.00 -



ef/tLo ?k}of

! jif{;Dd - 4,526.29 224.80 3,798.04

! jif{eGbf dfly # jif{;Dd - 204.38 - -


g]kfnL ?k}of

! jif{;Dd 0.03 9,629.44 14,991.27 15,315.09

! jif{eGbf dfly # jif{;Dd 72.00 52.05 - -


19 ANNUAL REPORT


74

@^= ;DalGwt kIf aLr sf/f]af/sf] ljj/0f a}+ssf ;~rfnssf] ljQLo :jfy{ /x]sf] sDkgL / a}+saLr rfn' cf=j=df ePsf ljQLo sf/f]af/x?sf] ljj/0f o; k|sf/ /x]sf]

5 M;DalGwt u|fxs ;DaGwsf] k|sf/ sf/f]af/sf] k|s[lt o; jif{ ¿= ut jif{ ¿=

g]kfn On]S6«f]lgs k]Od]G6 l;;\6d ;femf 8fO/]S6/ z]o/df nufgL 15,000,000 15,000,000

g]K;4f/f a}Fssf] ATM / POS Joj:yfkg / To;sf] ;'kl/j]If0f ;DalGwt sfo{x? ul/G5 .

@&= Joj:yfkg txsf sd{rf/LnfO{ kb|fg u/sf] ;'ljwf;'ljwfsf] ljj/0f k|d'v sfos{f/L

clws[tJoj:yfkg txsf cGo

sd{rf/Ls}lkmot

cNksflng sd{rf/L ;'lawf -cf=j )&#÷&$_ 9,851,292 100,236,875 Joj:yfkg txsf cGo sd{rf/L leq ;xfos k|aGws jf ;f] eGbf dflysf sd{rf/L kb{5g .

/f]huf/L kl5sf] ;'ljwf -labf tyf ckbfg lj?4sf] e'QmfgL

2,797,807 14,089,780

/f]huf/L ;dfKt ePkl5sf] ;'ljwf — —

z]o/df cfwfl/t e'QmfgL — —

cGo lb3{sflng ;'ljwf — —

cNksflng sd{rf/L ;'ljwf cGtu{t :jf:Yo aLdf, uf8L ;'ljwf cGtu{tsf] cfo, km/s Aofh cfDbfgL / gub k'/:sf/ kb{5g . Joj:yfkg txsf sd{rf/LnfO{ lgDg lnlvt ;'ljwfx? klg pknAw u/fOPsf] 5M–

!= sd{rf/L ;]jf ljlgodfjnL cg';f/sf] ;'ljwf, @= af]g; P]g cg';f/ d'gfkmfaf6 af]g; pknAw u/fOPsf], #= 3/ shf{ ;'ljwfhgs Aofhb/df pknAw u/fOPsf], $= uf8L ;'ljwf

Joj:yfkg txsf sd{rf/Lsf] s'n ;+Vof -k|d'v sfo{sf/L clws[t ;lxt_ M %(

@*= ;~rfns ;ldltsf ;b:ox?nfO{ k|bfg u/]sf] ;'ljwf ;~rfns ;ldltsf ;a} ;b:ox? u}x| sfo{sf/L ;b:ox? x'g\ . ;b:ox?nfO{ lbPsf] u}x| sfo{sf/L ;'ljwf o; k|sf/ /x]sf 5g\ M

ljj/0f o; cf=j= ¿= ut cf=j= ¿=j}7s eQf 2,850,800 1,526,800 ;~rfns eQf 2,106,800 1,162,800 cGo ;~rfns tx j}7s eQf 744,000 364,000;ldltsf] ;b:ox?sf] eQf Pj+ a}7s;+u ;DalGwt cGo vr{x? 1,239,958 1,541,817

;~rfnsx?nfO{ e'QmfgL ul/Psf] eQfdf kqklqsf tyf ;~rf/ vr{ jfkt ¿= !),))) k|lt dlxgfsf b/n] e'QmfgL ul/Psf]

/sd ;d]t ;dfj]z ul/Psf] 5 . ;~rfnsx?nfO{ k|lt a}7s ¿= *,))) / cWoIfnfO{ k|lt a}7s ¿= !),))) k|bfg ul/Psf] 5 .

19 ANNUAL REPORT


75

Disclosure under Basel IIINepal Rastra Bank has issued guidelines for implementa on of New Capital Adequacy Framework under Basel III requirement in July 2015. NRB directed all Banks to adopt this framework and according to which Banks are to maintain Capital for Credit, Opera onal and Market Risk. Accordingly, the following disclosure is made:

1. CAPITAL STRUCTURE AND CAPITAL ADEQUACYNPR (in ‘000)

1.2 CAPITAL Ashad End 2074(A) Core Capital (Tier 1) 8,530,759

A Paid up Equity Share Capital 7,051,456B Irredeemable non-cumula ve preference shares -C Share Premium -D Proposed Bonus Equity Share 665,149E Statutory General Reserve 864,186F Retained Earnings 17,829 G Un-audited current year cumula ve profi t -H Capital Redemp on Reserve -I Capital Adjustment Reserve -J Dividend Equaliza on Reserve -K Other Free Reserve 18,634L Less : Goodwill -

Less: Miscellaneous Expenditure not wri en off 47,985M Less : Deferred Tax Assets 18,634O Less : Investment in equity in licensed Financial Ins tu ons -P Less : Investment in equity of ins tu ons with Financial interests 15,000Q Less : Investment in equity of ins tu ons in excess of limits -R Less : Investments arising out of underwri ng commitments -S Less : Reciprocal crossholdings -T Less: Purchase of Land& Building in excess of limit and unu lized 4,877U Less : Other Deduc ons -

Adjustment Under Pillar II - SRP 6.4.a(1) Less : Shor all in provision - SRP 6.4.a(2) Less : Loans and facili es extended to related par es and restricted lending (B)Supplementary Capital (Tier 2) 560,419

A Cumula ve and/or Redeemable Preference Shares - B Subordinated Term Debt - C Hybrid Capital Instruments -D General Loan Loss Provision 549,184E Exchange Equaliza on Reserve 9,280F Investment Adjustment Reserve 1,954G Assets Revalua on Reserve -H Other Reserves -

Total Capital Fund (Tier 1 and Tier 2) 9,091,177

19 ANNUAL REPORT


76

Detailed informa on about the subordinated term debts with informa on on the outstanding amount, maturity amount, raised during the year and amount eligible to be reckoned as capital funds: Nil

Deductions from CapitalPar culars NPR (in ‘000)Miscellaneous Expenditure not wri en off 47,985Deferred Tax Assets 18,634Leasehold Expenses -Investment in equity of ins tu ons with Financial interests 15,000Purchase of land & building in even of limit & unu lized 4,877

Total Qualifying Capital NPR 9,091,177 (In ‘000)

Capital Adequacy Ra o 16.82%

2. RISK EXPOSURESRisk weighted exposures for credit risk, market risk and opera onal risk as on Ashad End 2074 are as follows:

Par culars NPR in ‘000Risk Weighted Exposure for Credit Risk 49,628,531Risk Weighted Exposure for Opera onal Risk 2,721,705Risk Weighted Exposure for Market Risk 83,808Add: RWE equivalent to reciprocal of capital charge of 2 % of gross income. 46,297Add: 3% of RWE for Overall risk management policies and procedures are not sa sfactory. 1,573,023 Total 54,053,406

Risk weighted exposures under each of 11 categories of Credit Risk

Par culars NPR in ‘0001. Claims on Government and Central Bank -2. Claims on Other Offi cial En es -3. Claims on Banks 1,711,2894. Claims on Corporate and Securi es Firms 25,375,8765. Claims on Regulatory Retail Por olio 11,180,0656. Claims Secured by Residen al Proper es 4,346,1427. Claims Secured by Commercial Real Estate 812,5298. Past Due Claims 72,1279. High Risk Claims 1,445,76210. Other Assets 1,827,39911. Off Balance Sheet items 2,857,382Total 49,628,572Adjustment under Pillar IILess: Shor all in provision (6.4 a1)Less: Loans and facili es extended to related par es and restricted lending (6.4 a 2) -Total 49,628,530

Total Risk Weighted calcula on Table

Please refer schedule 30(b), 30 (c), 30 (d) and 30 (e)

19 ANNUAL REPORT


77

Amount of NPAs

NPR (In ‘000)Category Gross Provision Net

Restructured 3,689 461 3,228Substandard 37,108 9,277 27,831Doub ul 30,098 15,049 15,049Loss 124,939 124,939 -

NPA Ra o

Gross NPA to Gross Loans and Advances 0.38%

Net NPA to Net Loan and Advances 0.09%

Movement of NPA

NPR (In ‘000)Par culars Opening Balance Closing Balance MovementNon Performing Loan 241,497 195,834 (45,663) Restructured Loan 1,469 3,689 2,220Substandard 122,189 37,108 (85,081) Doub ul 15,138 30,098 14,960Loss 102,699 124,939 22,240

Write off of Loans and Interest Suspense:

Write off of Loans – 1818 (In ‘000)

Write off of Interest Suspense – 2,448 (In ‘000)

Movement of Loan Loss Provision and Interest Suspense:

Loan Loss Provision

NPR (In ‘000)Par culars Opening Balance Closing Balance MovementTotal Loan Loss provision 598,045 698,910 100,865

a) Pass 434,221 512,042 77,821b) Watch List 22,825 37,142 14,317c) Restructured 184 461 277d) Substandard 30,547 9,277 (21,270)e) Doub ul 7,569 15,049 7,480f) Loss 102,699 124,939 22,240

Interest Suspense:

NPR (In ‘000)Par culars Opening Balance Closing Balance MovementInterest Suspense 168,311 192,810 24,499

19 ANNUAL REPORT


78

3. SEGREGATION OF INVESTMENT PORTFOLIO INTO HELD FOR TRADING, HELD TO MATURITY AND AVAILABLE FOR SALE CATEGORY:

• Held for trading NIL

• Held to Maturity NPR 6,026,631,201

• Available for sale NPR 117,751,252

4. RISK MANAGEMENT FUNCTION

The Bank follows NRB defi ni on of default for classifying and accoun ng for income recogni on, assets classifi ca on and provisioning norm.

The Bank is exposed to uncertain es and due to various economic or environmental factors some of them are inherent to the banking business and others which are unforeseen and unexpected. Risk Management is a comprehensive process adopted by a bank to minimize adverse eff ects of such risks and uncertain es.

Credit Risk: In order to manage credit risk, the Bank has established a sound credit appraisal system. The Bank has credit

Policies Guidelines and other product papers approved by The Board of Directors which are strictly followed during credit approval/disbursement. The bank performs market/customer analysis to minimize the credit risk.

Market Risk:

For the management of Market/Liquidity risk, the Bank has a very eff ec ve AML Policy which defi nes procedures and authority including se ng up various risk limits. Under the AML policy, the Bank has eff ec ve Assets Liabili es Commi ee (ALCO) which meets periodically and reviews interest rates, liquidity posi on, liquidity gap, FCY open posi on, investment por olio, maturity limit for investment and takes necessary decision as well as circulates various guidelines to concerned departments for eff ec ve management of market risk.

Opera onal Risk:

The Bank has a strong internal control system so that material fraud and errors can be easily traced. Further, the Bank follows a scien fi c process for segrega on of duty so that internal check be maintained. The Bank follows the opera onal manual approved by Board of Directors. The Bank has an eff ec ve Internal Audit Department which func ons to carry out review of internal control system of the bank and ensure that the approved policies, procedures and manuals are strictly followed. The report of the Internal Audit Department is directly submi ed to Audit commi ee headed by a non-execu ve director.

19 ANNUAL REPORT


79

cg';

"rL $=#$

;+:y

fks

÷ ;

+:yfk

s ;

d"x

sf z

]o/w

gLn

] cfk

m\gf] :

jfld

Tjd

f /x

]sf] z

]o/

cGo

a}+s

ty

f laQ

Lo ;

+:yfd

f lw

tf] /

fvL s

hf{ l

nPs

f] laj

/0f

cfiff9

#!, @)

&$

qm= ;+

;+:yfks

÷;+:

yfks

;d"x

cG

tu{t

kg]{ z

]o/wg

Lsf] gfd

;+:yfks

:jfldTj

df s

fod

/x]sf] z]o/

shf{ laj/

0f

s'n lsQf ;+V

ofs'n r

'Qmf

k"FhLs

f] %

shf{ ln

Psf] cG

o a}+s

÷ ljQ

Lo ;

+:yfs

f] gfd

aSuf}tf s

hf{ /s

dlw

tf]df /

x]sf] z]o/

lsQf

;+Vof

1u0f]z a

xfb'/

>]i7

600

,126

0.

91%

;g/

fO{h a}+s

ln=

83,

408

,307

3

42,

260

k|fOd

sdlz

{on a

}+s ln=

2OG

b| ax

fb'/

dfg

Gw/

36,

377

0.06

%Pg

=cfO=;

L Pl;of

a}+s ln=

7,1

60,0

00

16,

653

3hut d

f]xg

uf}r

g 4

4,3

30

0.07

%k|fOd

sdlz

{on a

}+s ln=

-

23,

169

4ls

/0f s]=;

L= 7

50,1

53

1.14

%;]Gr

'/L a

}+s ln=

38,4

90,2

99

375

,076

5?:

td a

flgof

F 6

0,51

9 0.

09%

cfO=Pd=O{ s

f]–ck/

]6Le ;

le{;

4,0

00,0

00

42,

796

6z+s/d

fg 8

+uf]n

32,

353

0.05

%cfO=Pd=O{ d

N6Lkkf]{h

-

14,0

00

7cfh

fb >

]i7 3

32,5

73

0.50

%Pg

=cfO=;

L Pl;of

a}+s ln=

57,

496

,000

1

55,3

56

glan

a}Fs ln=

88f=

pk]G

b| dxt

f] 4

,619

,975

7.

00%

l;l6hG;

a}+s O

G6/g

]zgn

ln=

423

,253

,775

2

,083,

561

9;Gt

axfb'/

u'?Ë

102

,675

0.

16%

sf:sL kmfO{gf

G; ln=

-

45,

355

108f=

;'/]Gb|

dxt

f] 7

,226

,148

10.9

5%Pg

= Pd

= aL

= a}+s

ln=

600

,000

,000

2

,395

,419

11lx/0

o k|s

fz w

/ 6

78,2

96

1.03

%ls

lng

Og{lh

las

f; a

}+s ln=

-

164

,521

12ch'{g

axfb'/

/]UdL

75,

509

0.11

%g]k

fn a

ª\unfb]z a

}+s ln=

10,

889,

899

7

5,50

9

k|fOd

sdlz

{on a

}+s ln=

13jG

bgf sfs

L{ 2

10,4

49

0.32

%k|fOd

sdlz

{on a

}+s ln=

38,0

00,0

00

139

,525

14k|f0f]Zj

/ kf]v/]n

513

,129

0.

78%

;g/

fO{h a

}+s ln=

12,

000,

000

48,3

00

15k|]d

s'df/L s]=;

L= 4

,427

,557

6.

71%

k|fOd

sdlz

{on a

}+s ln=

500

,000

,000

2

,213

,778

16/fd c

flzif

;fx' ;

'9L 2

,141,

438

3.

25%

b]j ljs

f; a

}+s ln=

170

,000

,000

7

92,0

68

17/lhgf

l;+x

e08

f/L zfx

102

,673

0.

16%

cfO=l;

=Pkm=l;

kmfO

gfG;

ln=

9,6

46,

780

102

,671

18So

fkl6e O

ge]i6

d]G6

sDk

lg 4

6,869

0.

07%

sfi7

d08

k 8]enkd

]G6 a}+s

ln=

4,7

96,0

00

46,

870

19z/b

s'df/ g

]kfn

45,

452

0.

07%

>Lo

fd ;

]leª

P08 q

m]8L6 s

f]–ck/

]6Le

8,0

78,4

50

45,

452

u'8jL

n k

mfOgf

G; ln=

cfO=Pd=O{ d

N6Lkkf]{h s

f]–ck/

]6Le ln=

l;gh

L{ kmfOgf

G; ln

20bLks

/fh

bnL

33,

873

0.

05%

P; 8

]enkd

]G6 a

}+s ln=

3,9

67,6

00

23,

954

hDd

f22

,080

,474

33=4

6%1,97

1,18

7,110

9,14

6,29

3

19 ANNUAL REPORT


80

cg';

"rL $=#%

n]v

fk/L

If0f

ge

Psf] /

n]v

fk/L

If0f

ePs

f] ljQ

Lo g

lth

fsf] t

'ng

fTd

s lj

j/0f

cfly{s j

if{ @)

&#÷&$

qm|= ;+

ljj/

0f n

]vf k/

LIf0f

gePs

f] k|s

flzt

ljQ

Lo ljj

/0f

n]vf k/

LIf0f

ePs

f] k|s

flzt

ljQLo ljj

/0f

km/s

km/s

sf] sf/0f

/sd

Ü

!s'n k

"FhL ty

f bfloTj

-!=! b]lv !=&

;Dd_

69,591

,180

,633

69,624

,648

,093

3

3,46

7,46

1 0

=05

1.1

z]o/

kF"hL

6,5

98,7

00,0

00

7,7

16,6

05,1

00

1,11

7,90

5,10

0 16

.94

sN;

Og

P8efG;

k'gj

{uL{s

/0f /

k|:tljt a

f]g;

z]o/

sf] sf/0f

1.2

hu]8f tyf sf]ifx?

2

,516

,723

,981

947,

156,

910

(1,5

69,5

67,0

71)

(62.

37)

sN;

Og

P8efG;

k'gj

{uL{s

/0f,

k|:tljt a

f]g; z

]o/

/ gu

b nfe

f+z, yk

Joj:

yf /

cos

/ P]g

cg';

f/ s

/ u0fgf

ul/Ps

f] sf/0f

1.3

C0fkq

tyf aG

8

-

-

-

1.4

ltg{

afFsL shf{ ;fk6

160

,703

,263

1

60,7

03,2

63

-

-

1.5

lgIf]k

bfloTj

-s± v

_58

,629

,076

,680

58,6

29,0

76,6

80

-

-

c:j

b]]zL d'b|fdf

57,

214,5

39,5

53

57,

272,

507,

399

57,

967,

846

0.1

0 k'g

j{uL{s

/0f ul/Ps

f] sf/0f

cf

ljb]]z

L d'b|fdf

1,4

14,5

37,1

28

1,3

56,5

69,2

81

(57,

967,

846)

(4.1

0)k'g

j{uL{s

/0f ul/Ps

f] sf/0f

1.6

cfo

s/

bfloTj

-

-

-

1.

7cGo

bflo

Tj

1,6

85,

976,

708

2,1

71,1

06,1

40

485,

129,

432

2

8.7

7 sN;

Og

P8efG;

k'gj

{uL{s

/0f,

!% lbg

sf] Jo

fh

cfDbfgL

hgf

OPsf]

2s'n ;

Dklt -@=! b]lv @

=& ;

Dd_

69,591

,180

,633

6

9,62

4,64

8,09

3 3

3,46

7,46

1 0

=05

2.1

gub

tyf a}+s

df}Hbft

9,6

76,3

12,1

15

9,6

76,0

67,2

01

(244,9

15)

(0.0

0)2.

2dfu

tyf cNk

;"rgf

df k|fKt

x'g]

-

-

-

2.3

nufg

L 6

,132

,981,

459

6

,142,

972,

440

9,9

90,9

81

0.1

6 O{g

e]:6

d]G6

df ug{‘

kg{] Joj

:yf /

jf]08

df

lt/]s

f] lk|ld

odsf] k'g

j{uL{s

/0fs

f] /

6«]h/L laN

;sf]

d'No

f+sgd

f l8

:sfp

G6 ;

dfo

f]hgs

f] sf/0f

2.4

shf{ tyf ;fk6

51,8

66,7

70,4

88

51,

866

,770

,489

0

0.0

0 c

l/on

:6]6

shf{

3,4

80,

229,

341

3,4

80,

229,

341

-

-

scfjf;

Lo 3

/ shf{ -¿

= !

s/f]8;Dd

sf] Jo

lQmu

t c

fjf;

Lo

3/

shf{ af

x]s_

699

,563

,531

6

99,5

63,5

31

-

-

vJo

j;flo

s e

jg t

yf cfjf;

Lo

ckf6{d

]06 lgd

f{0f shf{

261

,467

,196

2

61,4

67,1

96

-

-

ulgdf{0f ;Dk

Gg e

O{ cfo

cfh

{g ug{

yfn

]sf]

354

,001

,076

3

54,0

01,0

76

-

-

3cGo

l/o

n :6]6

shf{ -h

Uufh

dLg

v/Lb

tyf Kn

l6+u s

hf{ ;d]t_

2,1

65,1

97,5

38

2,1

65,1

97,5

38

-

-

cf

¿= !

s/f]8;Dd

sf] Jo

lQmu

t

cfjf;

Lo 3

/ shf{

6,1

70,9

23,6

32

6,1

70,9

23,6

32

-

-

19 ANNUAL REPORT


81

Odflh

{g k|s

[ltsf] shf{

121

,132

,389

121

,132

,389

-

-

O{cfjlws s

hf{

6,0

91,8

62,0

77

6,0

91,8

62,0

77

-

-

pclwljsif{÷

l6=c

f/=÷

rfn

' k"FhL shf{

13,4

41,

987,

510

13,

441,

987,

510

-

-

pm

cGo

shf{

22,

560,

635,

539

22,

560,

635,

539

-

-

2.5

&= l:y

/ ;Dk

lQ

628

,142,

027

697

,389,

677

69,

247,

650

11.

02

nLh

xf]N8

;Dk

lt c

\Go ;

Dklt

af6

;fl/

Psf] sf/0f

2.6

*= u}}x|

a}lsË

;Dk

lQ

-

-

-

2.7

(= c

Go ;

DklQ

1

,286,

974,5

43

1,24

1,448,2

87

(45,

526,

256)

(3.5

4)

nLh

xf]N8

;Dk

lt l:y

/ ;Dk

ltdf ;fl/

Psf] /

cGo

ljljw

sf/0f, 6«]h

/L laN

;sf] d'No

f+sgd

f l8

:sfp

G6

;dfo

f]hgs

f] /

!% lbg

sf] Jo

fh c

fDbfgL

hgf

OPsf]

3gfkmf gf]S;

fg lx;

fa3.

1Ao

fh c

fDbfgL

5

,116

,209

,307

5

,118

,027

,561

1

,818

,254

0

.04

ldGx

f ul/Ps

f] C0fsf] ;dfo

f]hg

3.2

Aofh

vr{

2,7

91,0

35,2

77

2,7

91,0

35,2

77

-

-

sv'b

Aofh

cfDbfgL -#=!–

#=@_

2,3

25,1

74,0

31

2,3

26,9

92,2

85

1,8

18,2

54

0.0

8

3.3

sld

zg

tyf l8

:sfp

06

122

,741,

629

124

,789,

921

2,0

48,2

91

1.6

7 kfsL g;

s]sf] sld

zg

;fl/

Psf] sf/0f

3.4

cGo

;~r

fng

cfDbfgL

3

09,0

54,5

85

301

,238

,553

(7

,816

,032

) (2

.53)

CIC

vr{ n

et off

ul/Ps

f] 5

3.5

;6x

L 36a

9 cfDbfgL

1

33,2

52,7

78

133

,252

,778

-

-

v

s'n ;

~rfn

g cf

DbfgL -s±#

=#

b]lv #

=%_

2,8

90,223

,023

2

,886

,273

,536

-3,949

,486

_ -0=14

_

3.6

sd{rf/L vr{

499

,067

,007

4

95,3

21,7

53

(3,7

45,

254)

(0.7

5)Offi

ce a

men

i es

vr{sf] ;dfo

f]hg

3.7

cGo

;~r

fng

vr{

475

,031

,647

472

,474

,573

(2

,557

,074

) (0

.54)

CIC

vr{ n

et off

/ Offi

ce a

men

i es

vr{sf]

;dfo

f]hg

ul/Ps

f] sf/0f

u;D

eflj

t gf]S;

fgL Jo

j:yf c

l3sf]

;~rf

ng

gfkmf -v

–#=^–#

=&_

1,916

,124

,369

1,918

,477

,210

2

,352

,842

0

=12

3.8

;De

fljt g

f]S;fg

L Jo

j:yfx?

1

36,0

28,7

69

142,

515,

010

6,4

86,

240

4.7

7 ;De

fljt g

f]S;fg

L Jo

j:yfa

f6 lkmtf{d

f ePs

f] ad

just

men

t3

;~rfn

g gfkmf -u

–#=*_

1,78

0,09

5,59

9 1,7

75,962

,201

-4,

133,39

8_ -0=23

_3.

9u}x|

;~r

fng

cfDbfgL

÷vr{ v

'b 1

20,1

39,0

23

120

,139

,023

-

-

3.

10;De

fljt g

f]S;fg

L Jo

j:yfa

f6

lkmt

f{ 1

34,6

55,4

60

134

,169

,758

(4

85,

703)

(0.3

6);De

fljt g

f]S;fg

L Jo

j:yfd

f ePs

f] ad

just

men

t

ªlgoldt

sf/f]af/jf6

ePs

f] d'g

fkmf

-3±#

=(±#

=!)_

2,03

4,89

0,08

2 2

,030

,270

,981

-4,

619,10

1_ -0=23

_

3.11

c;fd

fGo s

f/f]a

f/x?

af6

ePs

f] cfDbfgL

÷vr{ -v'b_

17,

931,

482

16,

114,2

46

(1,8

17,2

35)

(10.

13)

ldGx

f ul/Ps

f] C0fsf] ;dfo

f]hg

raf]g;

/ s

/ cl

3sf] gfkmf -8

±#=!!_

2,0

52,8

21,5

64

2,046

,385

,228

-6,4

36,336

_ -0=31_

3.12

sd{rf/L af

]g; Joj

:yf

186,

620,

142

186,

035,

021

(585,

121)

(0.3

1)3.

13cfo

s/

Joj:

yf

565

,170

,563

5

57,8

66,7

78

(7,3

03,7

85)

(1.2

9):y

ug

s/

k|efj /

cos

/ P]g

cg';

f/ s

/ u0fgf

ul/os

f] sf/0f

5v'b

gfkmf÷

gf]S;

fg -r–#

=!@–

#=!#_

1,301

,030

,858

1,302

,483

,429

1,4

52,570

0

=11

19 ANNUAL REPORT


82

19 ANNUAL REPORT


83

-pGgfO{;f}+ aflif{s ;fwf/0f ;efsf] k|:tfj g+= v -#_ ;+u ;DalGwt_

df5fk'R5«] a}+s lnld6]8sf] k|jGwkqdf k|:tfljt ;+;f]wg

bkmf÷pkbkmf

ljBdfg Joj:yf ;+;f]wg k|:tfj ;+;f]wgsf] sf/0f

$-sr_ -gofF yk_ k|rlnt sfg"gsf] clwgdf /xL cfjZostf cg';f/ lgodgsf/L lgsfosf] :jLs[lt lnO{ a}+sn] cfkm}+ jf s'g} :jb]zL jf ljb]zL kmd{, sDkgL, ;+3 ;+:yf;+u ;+o'Qm nufgLdf jf ;~rfngdf /x]sf] s'g} sDkgLsf] k"/} jf cf+lzs z]o/ vl/b u/L jf ;xfos sDkgL :yfkgf u/L hLjg aLdf, lglh{jg aLdf, k'gaL{df, e]~r/ Soflk6n÷k|fO{e]6 O{lSj6L÷ x]h km08, qm]l86 /]l6Ë, lwtf]kq bnfn -:6s a|f]s/_, lwtf]kq ahf/ -:6s PS:r]~h_, dr]{06 a}+lsË, ljlQo k|ljlw -lkmG6]s_ ;DaGwL ;]jf nufotsf sfo{x? ug]{ .

a}+ssf u|fxsju{nfO{ k|bfg ug]{ ;]jf tyf a}+ssf] sfo{ If]qdf ;d]t lj:tf/ u/L Joj;fo a[l4 ug{ cfjZos ePsf]n] .

$-s5_ -gofF yk_ a}+s tyf cGo k|lti7fgx?sf sfdbf/÷ sd{rf/Lx?sf] sNof0f / lxt tyf ;f] ;DaGwL sfdsf] nflu ;+ro sf]if, pkbfg sf]if, lgj[lQe/0f sf]if / cGo cfjZos jf pko'Qm sf]ifx?sf] :yfkgf tyf Joj:yfkg ug]{ . ;fy} To:tf] sf]ifsf] Joj:yfsf nflu cfjZos ;xhtf k|bfg ug]{ .

a}+ssf u|fxsju{nfO{ k|bfg ug]{ ;]jf tyf a}+ssf] sfo{ If]qdf ;d]t lj:tf/ u/L Joj;fo a[l4 ug{ cfjZos ePsf]n] .

%-v_ a}+sn] tTsfn hf/L ug]{ z]o/ k"FhL Go'gtd ¿=&,#(,)%,$$,)))÷— -cIf]?kL ;ft ca{ pgfGrfln; s/f]8 kfFr nfv rjfnL; xhf/ ?k}of dfq_ x'g]5 . ;f] k"FhLnfO{ ?= !)) sf b/n] &,#(,)%,$$) -;ft s/f]8 pgfGrfnL; nfv kfFr xhf/ rf/ ;o rfnL; yfg_ ;fwf/0f z]o/df ljeflht ul/Psf]5 .

a}+sn] tTsfn hf/L ug]{ z]o/ k"FhL Go'gtd ¿=*,)%,%^,(#,)))÷— -cIf]?kL cf7 ca{ kfFr s/f]8 5kGg nfv qLofgAa] xhf/ dfq_ x'g]5 . ;f] k"FhLnfO{ ?= !)) sf b/n] *,)%,%^,(#) -cf7 s/f]8 kfFr nfv 5kGg xhf/ gf} ;o tL; yfg_ ;fwf/0f z]o/df ljeflht ul/Psf]5 .

af]g; z]o/ hf/L ug]{ k|:tfj adf]lhd k"FhL a[l4 ug'{ kg]{ ePsf]n] .

%-u_ a}+ssf] tTsfn r'Qmf k"FhL Go'gtd ¿=&,#(,)%,$$,)))÷— -cIf]?kL ;ft ca{ pgfGrfln; s/f]8 kfFr nfv rjfnL; xhf/ ?k}of dfq_ x'g]5 . ;f] k"FhLnfO{ ?= !)) sf b/n] &,#(,)%,$$) -;ft s/f]8 pgfGrfnL; nfv kfFr xhf/ rf/ ;o rfnL; yfg_ ;fwf/0f z]o/df ljeflht ul/Psf]5 .

a}+ssf] tTsfn r'Qmf k"FhL ¿=*,)%,%^,(#,)))÷— -cIf]?kL cf7 ca{ kfFr s/f]8 5kGg nfv qLofgAa] xhf/ dfq_ x'g]5 . ;f] k"FhLnfO{ ?= !)) sf b/n] *,)%,%^,(#) -cf7 s/f]8 kfFr nfv 5kGg xhf/ gf} ;o tL; yfg_ ;fwf/0f z]o/df ljeflht ul/Psf]5 .

af]g; z]o/ hf/L ug]{ k|:tfj adf]lhd k"FhL a[l4 ug'{ kg]{ ePsf]n] .

19 ANNUAL REPORT


84

-pGgfO{;f}+ aflif{s ;fwf/0f ;efsf] k|:tfj g+= v -#_ ;+u ;DalGwt_

df5fk'R5«] a}+s lnld6]8sf] lgodfjnLdf k|:tfljt ;+;f]wg

lgod÷pklgod

ljBdfg Joj:yf ;+;f]wg k|:tfj ;+;f]wgsf] sf/0f

*-#_ ;~rfnsx?sf] sfo{sfn rf/ jif{sf] x'g]5 . t/, ;~rfns ;ldltsf cWoIf tyf ;~rfns nuftf/ b'O{ k6seGbf a9L pQm kbdf lgjf{lrt, dgf]lgt jf lgo'Qm x'g ;Sg] 5}g .

t/ :jtGq ;~rfns Ps sfo{sfnsf nflu dfq lgo'Qm x'g ;Sg]5 .

;~rfnsx?sf] sfo{sfn rf/ jif{sf] x'g]5 . t/, ;~rfns ;ldltsf sfo{sf/L cWoIf tyf k|aGw ;+rfns nuftf/ b'O{ sfo{sfn;Dd dfq /xg ;Sg]5 .

t/ :jtGq ;~rfns Ps sfo{sfnsf nflu dfq lgo'Qm x'g ;Sg]5 .

a}+s tyf ljlQo ;+:yf ;DalGw P]g, @)&# df ePsf] Joj:yf cg'?k g} a}+ssf] lgodfjnLdf ;d]t ;+zf]wg ug{ cfjZos ePsf]n] .

19 ANNUAL REPORT


85

zfvf sfof{no tyf zfvf k|d'vx¿ho k|;fb ;fksf]6fkf]v/f zfvfgof“ahf/, k[YjLrf]skmf]g g+= )^!–%#)())km\ofS; g+= )^!–%#)%))

cldt e§eQmk'/ zfvfsdnljgfos rf]s, eQmk'/kmf]g g+= )!–^^@)!@), ^^@)@@)km\ofS; g+= )!–^^@)#@)

uf]laGb k|;fb zdf{:j+oDe' zfvf:j+oDe', sf7df8f}+kmf]g g+= )!–$)##%@*, $)##%@(km\ofS; g+= )!–$)##%#@

lagf]b s'df/ l;+xnlntk'/ zfvfUjfsf]{, sf7df8f}+kmf]g g+= )!–%@)####km\ofS; g+= )!–%@)!!^(

gf/fo0f s]=;L=dx]Gb|k'n zfvfdx]Gb|k'n, kf]v/fkmf]g g+= )^!–%#*$&(km\ofS; g+= )^!–%#*$*)

lnnf /fh yfkflj/u+h zfvflnÍ/f]8, 306f3/kmf]g g+= )%!–%@$*@*km\ofS; g+= )%!–%#)#&#

pT;j k/fh'nLgf/fo0fu9 zfvfzlxb rf]s, lrtjgkmf]g g+= )%^–%&!@&!, %&!@&@km\ofS; g+= )%^–%&)%&#

ljzfn eQm hf]zLk'tnL;8s zfvfk'tnL;8s, sf7df8f}+kmf]g g+= )!–$$$#^*!km\ofS; g+= )!–$$!^)$%

;'/]Gb| >]i7bdf}nL zfvfd]g/f]8, bdf}nL ahf/kmf]g g+= )^%–%^)%))km\ofS; g+= )^%–%^)^!$

lbk]Gb| k|;fb jfUn]gS;fn zfvfgS;fn, sf7df8f}+kmf]g g+= )!–$$$$^@)km\ofS; g+= )!–$$#%*##

lblnk a/fngof“ ;8s zfvfgof“ ;8s, sf7df8f}+kmf]g g+= )!–$@@#!!%, $@#($&#km\ofS; g+= )!–$@@#$!(

cho cfrfo{gof“ jfg]Zj/ zfvfgof“ jfg]Zj/, sf7df8f}+kmf]g g+= )!–$&*@!*#km\ofS; g+= )!–$&*@*%(

clg?4 gsdL{af}4 zfvfaf}4, sf7df8f}+kmf]g g+= )!–$(!!%)%km\ofS; g+= )!–$(!%$@%

o'sL e§rg nflhDkf6 d'Vo zfvfnflhDkf6, sf7df8f}+kmf]g g+= )!–$$@*%%^km\ofS; g+= )!–$$@%#%^

;/f]h kf]v«]nwgu9L zfvfd]g/f]8 rf}/fxf, wgu9Lkmf]g g+= )(!–%@)%%^, %@)%(^km\ofS; g+= )(!–%@)$&^

k|sfz lu/La'6jn zfvfa'6jn ahf/, a'6jnkmf]g g+= )&!–%$%&^%, %$%&^^km\ofS; g+= )&!–%$%&*(

cg'h l;Ub]ne}/xjf zfvfb]jsf]6f rf]s, e}/xjfkmf]g g+= )&!–%@$^$@, %@%())km\ofS; g+= )&!–%@$^$#

lbg]z bjf8Llj/f6gu/ zfvfhnhnf rf]s, lj/f6gu/kmf]g g+= )@!–$$)$!@km\ofS; g+= )@!–$$)$!#

;lGbk sdf{rfo{rfjlxn zfvfrfjxLn, sf7df8f}+kmf]g g+= )!–$$^)))%km\ofS; g+= )!–$$^!(%#

lalkg pbf;g]kfnu+h zfvf;'v]{t/f]8, g]kfnu+hkmf]g g+= )*!–%@*))$, %@*))%km\ofS; g+= )*!–%@*))^

lgnd uf}tdau/ zfvfau/ ahf/, kf]v/fkmf]g g+= )^!–%$!@@^km\ofS; g+= )^!–%$!@@&

>LsfGt kGt;Nofg zfvf>Lgu/, ;Nofgkmf]g g+= )*@–^(%@%!km\ofS; g+= )**–$)))$$

;'wf zdf{k]K;Lsf]nf zfvfl;gfd+un, k]K;Lsf]nfkmf]g g+= )!–%!%^!*@km\ofS; g+= )!–$((@^^)

df]lxgL k|wfgafn'jf6f/ zfvfafn'jf6f/, sf7df8f}+kmf]g g+= )!–$$#!*!%,$$#$&$%km\ofS; g+= )!–$$#!*(^

lhjg axfb'/ sfsL{/fdahf/ zfvf/fdahf/, kf]v/fkmf]g g+= )^!–$#!!(#km\ofS; g+= )^!–$#!!(@

dgf]h e§/fO{kf6g zfvfufaxfn, kf6gkmf]g g+= )!–%%@^#)@km\ofS; g+= )!–

cflbTo cof{nyfkfynL zfvfyfkfynL, sf7df8f}+kmf]g g+= )!–$@##!*@km\ofS; g+= )!–$@##!*$

/f]zg yfkflnofuf]+ua' zfvf;fdfv';L, uf]+ua'kmf]g g+= )!–$#*(!&!, $#*(!&@km\ofS; g+= )!–$#*(!&)

lbk]z zdf{k/f;L zfvfdx]zk'/rf]s, k/f;L ahf/kmf]g g+= )&*–%@)$#&km\ofS; g+= )&*–%@))^*

lbks >]i7ag]kf zfvfag]kf rf]s, sfe|]kmf]g g+= )!!–^^#%%#km\ofS; g+= )!!–^^)^$%

s[i0f axfb'/ ;fxhgsk'/ zfvflzjrf]s, hgsk'/kmf]g g+= )$!–%@%$^&, %@%$^*km\ofS; g+= )$!–%@%$^(

zflns/fd kxf/Lla/f6rf]s zfvfOGb|k'/, la/f6rf]skmf]g g+= )@!–%$^@#)km\ofS; g+= )@!–%$%$#)

cleif]s lg/f}nfO6x/L zfvfO6x/L rf]s, ;'g;/Lkmf]g g+= )@%–%*^**!km\ofS; g+= )@%–%*^**#

/fdhL bf;dl6xfgL zfvfdl6xfgL ahf/, dxf]Q/Lkmf]g g+= )$$–%$))&*km\ofS; g+= )$$–%$))&)

;'/h d]x]/ sfo:yrfkfuf“p zfvfrfkfuf“p, nlntk'/kmf]g g+= )!–%%&@%(#km\ofS; g+= )!–%%&$%%@

uf]ljGb >]i7Onfd zfvfOnfd ahf/, Onfdkmf]g g+= )@&–%@!&!)km\ofS; g+= )@&–%@!&!!

/fh]z b]jsf]6f:of·hf zfvfk'tnLahf/, :ofËhfkmf]g g+= )^#–$@!@@@, $@!@@#km\ofS; g+= )^#–$@!@@$

e/t k|;fO{latf{df]8 zfvfeb|k'//f]8, latf{df]8kmf]g g+= )@#–%$!^))km\ofS; g+= )@#–%$$))!

lji0f' k|;fb kf08]jfln· zfvfjflnË, :ofËhfkmf]g g+= )^#–$$)#!!km\ofS; g+= )^#–$$)%&@

;'/]z s'“j/b'n]uf}8f zfvfb'n]uf}8f ahf/, tgx'“kmf]g g+= )^%–%&)*))km\ofS; g+= )^%–%&)*)!

dgf]h /fh l3ld/]n]s;fO8 zfvfn]s;fO8, kf]v/fkmf]g g+= )^!–$^#@)), $^#&))km\ofS; g+= )^!–$^#%))

;'lzn dl0f nfld5fg]n]vgfy zfvfn]vgfy, kf]v/fkmf]g g+= )^!–%^!&!&km\ofS; g+= )^!–%^!&@&

l6sf /fd cf]emfbf· zfvf3f]/fxL, bf¨kmf]g g+= )*@–%^@#&@km\ofS; g+= )*@–%^@$**

laqmfGt /f0ffl7dL zfvf;fgf] l7dL, eQmk'/kmf]g g+= )!–%^#(^!@, %^#(^#(km\ofS; g+= )!–^^#!*&@

;'lgn >]i7/fhlj/fh zfvfg]tfrf]s, /fhlj/fhkmf]g g+= )#!–%@@$^^km\ofS; g+= )#!–%@@$@^

pHjn >]i7cf“a'v}/]gL zfvfcf“a'v}/]gL, tgx'“kmf]g g+= )^%–%$)#$%km\ofS; g+= )^%–%$)@^^

6]s axfb'/ a:g]twgs'6f zfvfwgs'6f ahf/kmf]g g+= )@^–%@!$#&km\ofS; g+= )@^–%@!$#*

eljZj/ 8'd|]kfNkf zfvfeujtL 6f]n, kfNkfkmf]g g+= )&%–%@@&#(km\ofS; g+= )&%–%@@&$)

lbk]z s'“j/afUn'· zfvfafUn'¨ ahf/, afUn'¨kmf]g g+= )^*–%@@^&#km\ofS; g+= )^*–%@@^&$

dgf]h a/fnhf]d;f]d zfvfhf]d;f]d Po/kf]6{, d':tf¨kmf]g g+= )^(–$$))(*km\ofS; g+= )^(–$$)!%@

lxdfn l/hfnlkmlbd zfvfd]rL /fhdfu{ rf]s, lkmlbdkmf]g g+= )@$–%@)%@^km\ofS; g+= )@$–%@)%@&

df]= bflgzldr}{of zfvfs6f/L rf]s, ldr}{ofkmf]g g+= )##–%%)^@^km\ofS; g+= )##–%%)^^%

/d]z 9f]8f/Luh'/L zfvfuh'/L ahf/, wflbªkmf]g g+= )!)–$)@)&&, %@(@!*km\ofS; g+= )!)–$)@)&*

df]= ;ld/ /fO{g;v'jf zfvf;v'jf dx]Gb|gu/, wg'iffkmf]g g+= )$!–%$))($km\ofS; g+= )$!–%$))(%

>Lw/ 9'·fgfa]gL zfvfa]gL ahf/, DofUbLkmf]g g+= )^(–%@)(^$km\ofS; g+= )^(–%@)(^%

lg/h crfo{lxn] zfvflxn] ahf/, wgs'6fkmf]g g+= )@^–%$)%%$km\ofS; g+= )@^–%$)#((

k|lbk ;'j]lbnxfg zfvfnxfg, l;/xfkmf]g g+= )##–%^@@%*, %^@@%(km\ofS; g+= )##–%^@@^)

nfn afa' ;fxbds zfvfbds, emfkfkmf]g g+= )@#–%*$(^#, %*$(^$km\ofS; g+= )@#–%*$!@@

/d]z clwsf/Lalb{af; zfvfalb{af;, wg'iffkmf]g g+= )$$–%%)&#!, %%)&#@km\ofS; g+= )$$–%%)&#@

ldq k|;fb e§/fO{sf]xnk'/ zfvfsf]xnk'/, af“s]kmf]g g+= )*!–%$!)^^, %$!)^&km\ofS; g+= )*!–%$!)&&

xl/ nfn P]/dx]Gb|gu/ zfvfdx]Gb|gu/, s~rgk'/kmf]g g+= )((–%@!#&#, %@@#!$

;Gtf]if s'df/ s]=;L=;'v]{t zfvflj/]Gb|gu/, ;'v]{tkmf]g g+= )*#–%@#)^!, %@#)^#km\ofS; g+= )*#–%@#)^#

df]= bflgzsNof0fk'/ PS;\6]G;g\ sfp06/sNof0fk'/, l;/fxfkmf]g g+= )##–$)#)^%

;/f]h kf]v/]ncfO{=la=cf/=l8=–PS;\6]G;g\ sfp06/k'g{jfz, s~rgk'/kmf]g g+= )((–%^)@*&, %^)@**

;'/]z s'“j/ledfb–PS;\6]G;g\ sfp06/ledfb, tgx'“kmf]g g+= )^%–%&@$$!

df]= bflgzsh{Gxf– PS;\6]G;g\ sfp06/km"ns'df/L dxtf] d]df]l/onc:ktfnsh{Gxf, l;/xfkmf]g g+= )#%–^(!##)

19 ANNUAL REPORT


86

ljefuLo k|d'vx¿

gf/fo0f k|sfz e'h'k|d'v

;"rgf k|ljlw

e"jg l;+x vqLk|d'v

s]Gb|Lo ;+rfng

dfwj ;'j]bLk|d'v

cg'kfng ljefu

ljho >]i7k|d'v

AoGsf;'/]G; ljefu

;'bg e08f/Lk|d'v

s]Gb|Lo ljk|]if0f ljefu

pHhjn kf08]k|d'v

s]Gb|Lo 6«]8 ljefu

;'/h >]i7k|d'v

v/fa shf{÷shf{ c;'nL ljefu

pHhjn pk|]tLk|d'v

6«]h/L ljefu

OGb' z]v/ b]jsf]6fk|d'v

lx;fa ldnfg ljefu

e/t s'df/ nD;fnk|d'v

skf]{/]6 shf{

;'lgn vltj8fk|d'v

Joj;fo k|j4{g ljefu

;'efif hd/s§]nk|d'v

ljQ tyf of]hgf ljefu

O{Zj/ axfb'/ /fjnk|d'v

;fdfGo k|zf;g tyf vl/b ljefu

5fg' >]i7k|d'v

s]Gb|Lo ;df;f]wg ljefu

l6sf e§/fO{k|d'v

sfg'g tyf z]o/ ljefu÷sDkgL ;lrj

pk]Gb| dfnfsf/k|d'v

;fgf tyf demf}nf shf{

OGb|f yfkfk|d'v

shf{ k|zf;g ljefu

cd/ /fhe08f/Lk|d'v

O{–a}+lsË

s'df/ 1jfnLk|d'v

cfGtl/s n]vf k/LIf0f ljefu

l8NnL /fd lu/Lk|d'v

l/6]n shf{

Crf kf08]k|d'v

dfgj ;+;fwg ljefu

ljZjDe/ Gof}kfg]k|d'v hf]lvd clws[t

19 ANNUAL REPORT


87

l6kf]6x¿

19 ANNUAL REPORT


88

l6kf]6x¿

19 ANNUAL REPORT


89

ljz]if ;fwf/0f ;ef @)&$

df5fk'R5«] a}+s ln= / OG8li6«on a}+s ckm sf]l/oflar /]ld6\ofG; ;Demf}tf

19 ANNUAL REPORT


90

zfvf ;d'b\3f6g sfo{qmdsf emnsx?

ledfb PS;6]G;g sfpG6/

;'v]{t zfvf

bds zfvf

dx]Gb|gu/ zfvf

sf]xnk'/ zfvf

nxfg zfvf

alb{af; zfvf

cfO{= la= cf/= l8= PS;6]G;g sfpG6/

19 ANNUAL REPORT


91

;+:yfut ;fdflhs pQ/bfloTj ;DaGwL sfo{qmd

af9L lkl8tx¿sf] ;xof]usf nflu k|wfgdGqL /fxt sf]ifnfO{ cfly{s ;xof]u k|bfg

h]i7 gful/s ;Ddfg k|lti7fgnfO{ cfly{s ;xof]u k|bfg

b'O{ lbg] lgMz'Ns :jf:Yo lzlj/

af9L k|efljt afl;Gbfsf nflu ljleGg vfBfGg ;fdfu|L ljt/0f sfo{qmd

k|zflGt j[4f>ddf vfBfGg tyf ntfsk8f x:tfGt/0f sfo{qmd

u0f]zdfg :d[lt k|fylds ljBfnonfO{ z}lIfs ;fdfu|L ljt/0f sfo{qmd

19 ANNUAL REPORT


92

u|fxs ;Ddfg sfo{qmd

ag]kf zfvf n]vgfy zfvf

kf]v/f zfvf

a'6jn zfvf

rfkfufpF zfvf

au/ zfvf

n]s;fO8 zfvf

af}4 zfvf

Documents

Sample - Nepal Stock Exchange · 2018-06-01 · 19 ANNUAL REPORT th!( cf}+ jflif{s k|ltj]bg cfly{s jif{ @)&# ÷ @)&$ 5 df5fk'R5«] a}+s lnld6]8 sf] pGgfO{;f}+ aflif{s ;fwf/0f ;ef