Download pdf - ljQ sDkgL ;'kl/j]If0f k|ltj]bg - Nepal Rastra Bank · 2017-04-18 · ePsf] Joj:yf adf]lhd ljQ sDkgL ;'kl/j]If0f ljefuaf6 cf=j= @)^*÷^( df ePsf sfo{x?sf] ljj/0fsf] cfwf/df of] lg/LIf0f

$Page 1: ljQ sDkgL ;'kl/j]If0f k|ltj]bg - Nepal Rastra Bank · 2017-04-18 · ePsf] Joj:yf adf]lhd ljQ sDkgL ;'kl/j]If0f ljefuaf6 cf=j= @)^*÷^( df ePsf sfo{x?sf] ljj/0fsf] cfwf/df of] lg/LIf0f$
ljQ sDkgL ;'kl/j]If0f k|ltj]bgljQ sDkgL ;'kl/j]If0f k|ltj]bgljQ sDkgL ;'kl/j]If0f k|ltj]bgljQ sDkgL ;'kl/j]If0f k|ltj]bg

cfly{s jif{ @)^*÷^(cfly{s jif{ @)^*÷^(cfly{s jif{ @)^*÷^(cfly{s jif{ @)^*÷^( (2011/12)

g]kfn /fi6« a}+sg]kfn /fi6« a}+sg]kfn /fi6« a}+sg]kfn /fi6« a}+s ljQ sDkgL ;'kl/j]If0f ljefuljQ sDkgL ;'kl/j]If0f ljefuljQ sDkgL ;'kl/j]If0f ljefuljQ sDkgL ;'kl/j]If0f ljefu

@)^(@)^(@)^(@)^(

ljifoljifoljifoljifo––––;"rL;"rL;"rL;"rL

v08 v08 v08 v08 ----s_s_s_s_ ;du| ljQLo l:ylt;du| ljQLo l:ylt;du| ljQLo l:ylt;du| ljQLo l:ylt

!= lgodg Joj:yf ................................................................................................................................................................................... $

@= ljQLo kl/;"rsx? ............................................................................................................................................................................ ̂

v08 v08 v08 v08 ----v_v_v_v_ :ynut lg/LIf0f:ynut lg/LIf0f:ynut lg/LIf0f:ynut lg/LIf0f

!= ;dli6ut :ynut lg/LIf0f ;DkGg ul/Psf ljQ sDkgLx? ...........................................................................................*

v08 v08 v08 v08 ----u_u_u_u_ u}/:ynut ;'kl/j]If0fu}/:ynut ;'kl/j]If0fu}/:ynut ;'kl/j]If0fu}/:ynut ;'kl/j]If0f

!= ljQ sDkgLx?sf] ljQLo ljZn]if0f tyf jflif{s ;fwf/0f ;ef k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ lbOPsf lgb]{zgx? ........................................................................................... !!

v08 v08 v08 v08 ----3_3_3_3_ nlIft, ljz]if tyf cg'udg lg/LIf0f nlIft, ljz]if tyf cg'udg lg/LIf0f nlIft, ljz]if tyf cg'udg lg/LIf0f nlIft, ljz]if tyf cg'udg lg/LIf0f

!= nlIft lg/LIf0f ................................................................................................................................................................................. $%

@= ljz]if lg/LIf0f ................................................................................................................................................................................. $%

#= cg'udg lg/LIf0f ............................................................................................................................................................................ $^

$= Diagonistic Review ............................................................................................................................................................. $^

v08 v08 v08 v08 ----ª_ª_ª_ª_ sfof{Gjogsfof{Gjogsfof{Gjogsfof{Gjog

!= lgb]{zg tyf sf/jfxLx? ............................................................................................................................................................. $*

v08 v08 v08 v08 ----r_r_r_r_ gLlt, of]hgf / cfGtl/s k|zf;g;Fu ;DalGwt ultljlwgLlt, of]hgf / cfGtl/s k|zf;g;Fu ;DalGwt ultljlwgLlt, of]hgf / cfGtl/s k|zf;g;Fu ;DalGwt ultljlwgLlt, of]hgf / cfGtl/s k|zf;g;Fu ;DalGwt ultljlw

!= hgzlQm ........................................................................................................................................................................................... %@

cg';"rLx?cg';"rLx?cg';"rLx?cg';"rLx?

cg";"rL– ! ljQ sDkgLx¿sf] ;"rL ......................................................................................................................................... %$

cg';"rL– @ ljQ sDkgLx¿sf] k|d'v ljQLo kl/;"rsx¿ ..........................................................................................

2

v08 v08 v08 v08 ----s_s_s_s_ ;du| ljQLo l:ylt;du| ljQLo l:ylt;du| ljQLo l:ylt;du| ljQLo l:ylt

3

v08 v08 v08 v08 ----s_s_s_s_

;du| ljQLo l:ylt;du| ljQLo l:ylt;du| ljQLo l:ylt;du| ljQLo l:ylt g]kfn /fi6« a}Í P]g, @)%* sf] bkmf $ sf] pkbkmf -!_-3_ df pNn]v ePsf] a}+lsË tyf ljQLo k|0ffnLsf] lgodg, lg/LIf0f, ;'kl/j]If0f tyf cg'udg ug]{ eGg] p2]Zo k"/f ug]{ tyf ;f]xL bkmfsf] pkbkmf -!_-ª_ df pNn]v ePsf] g]kfnsf] ;du| a}lsË tyf ljQLo k|0ffnLsf] ;Da4{g u/L ;f] k|lt ;j{;fwf/0fsf] ljZj;gLotf clej[l4 ug{] eGg] p2]Zo kl/k"lt{ ug]{ ;Gbe{df o; a}+ssf] a}+s ;'kl/j]If0f ljefu, ljsf; a}+s ;'kl/j]If0f ljefu, ljQ sDkgL ;'kl/j]If0f ljefu tyf n3' ljQ k|j4{g tyf ;'kl/j]If0f ljefuaf6 cf-cfˆGff] ;'kl/j]IfsLo bfo/f leq kg]{ o; a}+saf6 Ohfhtkqk|fKt a}+s tyf ljQLo ;+:yfx?sf] ;'kl/j]If0f sfo{ x'Fb} cfPsf] 5 . a}s tyf ljQLo ;+:yfx?sf] ;+VofTds a[l4 ;Fu;Fu} ePsf] sf/f]jf/sf] kl/df0f / hl6ntfsf ;Gbe{df o; a}+ssf] ;'kl/j]IfsLo lhDd]jf/L cem} a[l4 ePsf] 5 .

d"ntM b]xfosf] p2]Zo kl/k"lt{sf nflu ljQLo ;+:yfx?sf] ;'kl/j]If0f ul/G5 M-

• :j:y / ;Ifd ljQLo k|0ffnLsf] ljsf; ug{,

• s'zn ljQLo ahf/sf] lgdf{0f u/L ljQLo :yfloTj sfod ug{,

• ljQLo If]qdf k|rlnt lgod, sfg"g tyf lgb]{zgx¿sf] kfngf ug{ nufpg,

• ljQLo ;+:yfx?df k|efjsf/L Joj:yfkg tyf lgoGq0f k|0ffnLsf] ljsf; u/fpg,

• :j:y ljQLo ;+:yfx¿ dfkm{t\ ljz]if u/L lgIf]kstf{sf ;fy} ;/f]sf/jfnfx¿ (Stakeholders) sf] xslxtsf] ;+/If0f ug{, /

• ljQLo kl/;"rs dfkm{t\ b]lvg] k"j{;fjwfgL ;Í]tx¿ (Early Warning Signals) sf cfwf/df b]lvPsf ;d:ofx?nfO{ ;dodf g} klxrfg u/L pko'Qm ;dfwfg ug{ .

@)^* sflQ{s d;fGt;Dd ljsf; a}+s / ljQ sDkgLx? tTsfnLg ljQLo ;+:yf ;'kl/j]If0f ljefusf] ;'kl/j]IfsLo bfo/fleq /x]sf] lyof] . ldlt @)^*.*.! b]lv ljQLo ;+:yf ;'kl/j]If0f ljefu ljefhg eO{ ljsf; a}+s / ljQ sDkgLx?sf] lg/LIf0f tyf ;'kl/j]If0f ug{ b'O{ 5'§f 5'§} ljefu ljsf; a}s ;'kl/j]If0f ljefu / ljQ sDkgL ;'kl/j]If0f ljefu u7g ePsf 5g\ . @)^( cfiff9 d;fGt;Dddf o; a}+ssf] ;'kl/j]IfsLo bfo/fleq ^* j6f ljQ sDkgLx? /x]sf 5g\ -cg';"rL–!_ . cf=j @)^*.^( df oL ^* j6f ljQ sDkgLx?sf] sfd sf/jfxLx? ;d]6L of] jflifs k|ltj]bg tof/ ul/Psf] 5 . k|:t't k|ltj]bg pQm cjlwdf cg';"rL–! df pNn]v ePsf ljQ sDkgLx?sf] lg/LIf0f tyf ;'kl/j]If0f nufotsf lqmofsnfk;+u ;DalGwt 5 . ljQ sDkgLx¿sf] k"FhL l:ylt, shf{sf] u'0f:t/, Joj:yfkgsf] ;Ifdtf k|ltkmnsf] b/, t/ntf, ljQLo :jf:Yo h:tf kIfx¿sf] ;'kl/j]If0f b]xfosf dfkb08x¿ ;d]tsf cfwf/df ul/Psf] 5 .

• k|rlnt g]kfn sfg"gx¿ -g]kfn /fi6« a}Í P]g, @)%*, a}Í tyf ljQLo ;+:yf ;DaGwL P]g, @)^#, sDkgL P]g, @)^# cflb_,

• lgodg Joj:yf cGtu{t g]kfn /fi6« a}Íåf/f hf/L lgb]{zg÷dfu{lgb]{zgx? • g]kfn /fi6« a}Í lg/LIf0f tyf ;'kl/j]If0f ljlgodfjnL, @)%( -klxnf] ;+zf]wg ;lxt_, • :ynut÷u}/:ynut ;'kl/j]If0fsf ;Gbe{df lbOPsf lgb]{zgx?, • ;'kl/j]If0f ;DaGwdf cGt/f{li6«o?kdf :yflkt k|rngx? -Best Practices_,

4

• ;DalGwt ljQLo ;+:yfsf] k|aGwkq, lgodfjnL, ;fwf/0f ;ef / ;~rfns ;ldltaf6 kfl/t lg0f{o, gLlt tyf lgb]{lzsfx?,

• /fli6«o tyf cGt/f{li6«o n]vfdfg k4lt .

pk/f]Qm Joj:yfnfO{ s]Gb|laGb'df /fv]/ lg/LIf0f tyf ;'kl/j]If0f ljlgodfjnL, @)%( sf] ljlgod $# df ePsf] Joj:yf adf]lhd ljQ sDkgL ;'kl/j]If0f ljefuaf6 cf=j= @)^*÷^( df ePsf sfo{x?sf] ljj/0fsf] cfwf/df of] lg/LIf0f tyf ;'kl/j]If0f k|ltj]bg tof/ ul/Psf] 5 .

5

!=!=!=!= lgodg Joj:yflgodg Joj:yflgodg Joj:yflgodg Joj:yf

cfly{s jif{ @)^*.^( df o; a}+saf6 O{hfhtkqk|fKt ljQ sDkgLx¿sf nflu nfu' ul/Psf] lgodg Joj:yf b]xfo adf]lhd /x]sf] 5 .

qm=;+=qm=;+=qm=;+=qm=;+= k|d'v lgodg Joj:yfx?k|d'v lgodg Joj:yfx?k|d'v lgodg Joj:yfx?k|d'v lgodg Joj:yfx? ----k|k|k|k|ltztdf_ltztdf_ltztdf_ltztdf_

1=1=1=1= Go"gtd k"FhL Go"gtd k"FhL Go"gtd k"FhL Go"gtd k"FhL ----hf]lvd efl/t ;DklQsf] cfwf/df_ hf]lvd efl/t ;DklQsf] cfwf/df_ hf]lvd efl/t ;DklQsf] cfwf/df_ hf]lvd efl/t ;DklQsf] cfwf/df_

k|fylds k"FhL %=%

k"FhLsf]if !!=)

2=2=2=2= shf{ ;fk6sf] juL{s/0f / gf]S;fgL Joj:yfshf{ ;fk6sf] juL{s/0f / gf]S;fgL Joj:yfshf{ ;fk6sf] juL{s/0f / gf]S;fgL Joj:yfshf{ ;fk6sf] juL{s/0f / gf]S;fgL Joj:yf

c;n shf{÷;fk6 -;fFjf jf Aofhn] efsf ggf3]sf] jf # dlxgf;Dd efsf gf3]sf_ !=)

k'g/tflnsLs/0f ul/Psf] –u|fxsn] lnPsf] shf{÷;'ljwfsf] e'QmfgL ug]{ cjlw÷;do a9fOPsf]_ tyf k'g;{+/rgf ul/Psf] -shf{÷;'ljwfsf] k|s[lt jf zt{df kl/jt{g ug]{ aGb]hx? yk36 ug]{ jf ;do ;Ldfdf x]/km]/ ul/Psf]_ shf{÷;fk6

!@=%

sd;n shf{÷;fk6 -;fFjf jf Aofhn] # dlxgfb]lv a9Ldf ^ dlxgf;Dd efsf gf3]sf_

@%=)

z+sf:kb shf{÷;fk6 -;fFjf jf Aofhn] ^ dlxgfb]lv a9Ldf ! aif{;Dd efsf gf3]sf_

%)=)

v/fa shf{÷;fk6 -;fFjf jf Aofhn] ! aif{eGbf a9L cjlwn] efsf gf3]sf_ !))=)

JolQmut÷;+:yfut hdfgLdf dfq k|jflxt shf{df ;DalGwt shf{ juL{s/0f cg';f/ x'g] Joj:yfdf yk Joj:yf

@)=)

3=3=3=3= k|ltu|fxs shf{ ;Ldf k|ltu|fxs shf{ ;Ldf k|ltu|fxs shf{ ;Ldf k|ltu|fxs shf{ ;Ldf ----k|fylds k"FhLsf] cfwf/df_k|fylds k"FhLsf] cfwf/df_k|fylds k"FhLsf] cfwf/df_k|fylds k"FhLsf] cfwf/df_

sf]ifdf cfwfl/t tyf u}/sf]ifdf cfwfl/t b'a} shf{x? u/L s'n @%=)

b]zsf] pTkfbg /f]huf/L nufotsf pTkfbgd'ns pBf]ux?df k|jfx x'g] shf{sf] Psn u|fxs shf{ ;Ldf

#)=)

hnljB't kl/of]hgf, ljB't k|;f/0f nfOg / s]jnsf/ lgdf{0f kl/of]hgfsf nflu sf]ifdf cfwfl/t shf{ tyf u}/ sf]ifdf cfwfl/t ;'ljwf

%)=)

$=$=$=$= nufgL ;DaGwL ;LdfnufgL ;DaGwL ;LdfnufgL ;DaGwL ;LdfnufgL ;DaGwL ;Ldf

hUuf ljsf;, cfjf;Lo k|of]hgsf] nflu hUuf vl/b tyf 3/ lgdf{0f h:tf kl/of]hgf ;~rfng ug]{ / To:tf 3/hUufsf] laqmL ljt/0f tyf Joj:yfkg ug]{ u/fpg] ;DaGwL sfo{ -a9Ldf l7s cl3Nnf] dlxgf sfod k|fylds k"FhLsf] k|ltztdf_

@%=)

klAns ln= sDkgLsf] ?kdf ;+:yfkgf ePsf cfjf; ejg lgdf{0f tyf hUuf ljsf; (Housing and Land Development) kl/of]hgfdf nufgL -a9Ldf l7s cl3Nnf] dlxgf sfod k|fylds k"FhLsf] k|ltztdf_

!)=)

s'g} Ps ;+ul7t ;+:yfsf] z]o/ tyf l8a]~r/df nufgL -a9Ldf l7s cl3Nnf] qodf;df sfod k|fylds k"FhLsf] k|ltztdf_

!)=)

6

;j} ;+ul7t ;+:yfx?sf] z]o/ tyf l8a]~r/df nufgL -a9Ldf cfkm\gf] k|fylds k"FhLsf] k|ltzt_

#)=)

;+ul7t ;+:yfx? -æ3Æ ju{sf] ljQLo ;+:yf afx]s_ sf] z]o/ tyf l8a]~r/df nufgL ubf{ nufgL x'g] ;+:yfsf] r'Qmf k"FhLsf] cfwf/df /xg] ;Ldf

!)=)

æ3Æ ju{sf] ljQLo ;+:yfsf] z]o/ tyf l8a]~r/df nufgL ubf{ nufgL x'g] ;+:yfsf] r'Qmf k"FhLsf] cfwf/df /xg] ;Ldf

@%=)

ljQLo :jfy{ ePsf] s+kgLsf] z]o/ tyf l8a]~r/df nufgL ubf{ cfkm\gf] k|fylds k"FhLsf] cfwf/df /xg] ;Ldf

@)=)

s'g} Ps ;+ul7t ;+:yfsf] z]o/ tyf l8j]Gr/ k|Tofe"lt ug]{ ;Ldf -k|fylds k"FhLsf] k|ltztsf] cfwf/df_

!)=)

;a} ;+ul7t ;+:yfsf] z]o/ tyf l8j]Gr/ k|Tofe"lt ug]{ ;Ldf -k|fylds k"FhLsf] k|ltztsf] cfwf/df_

%)=)

%=%=%=%= ;fKtflxs clgjfo{ df}Hbft cg'kft ;fKtflxs clgjfo{ df}Hbft cg'kft ;fKtflxs clgjfo{ df}Hbft cg'kft ;fKtflxs clgjfo{ df}Hbft cg'kft ----@ ;Ktfx cl3sf] s'n lgIf]k bfloTjsf] @ ;Ktfx cl3sf] s'n lgIf]k bfloTjsf] @ ;Ktfx cl3sf] s'n lgIf]k bfloTjsf] @ ;Ktfx cl3sf] s'n lgIf]k bfloTjsf] cfwf/df_ cfwf/df_ cfwf/df_ cfwf/df_

rNtL /÷jf sn vftfsf] lgIf]k :jLsf/ u/]df %=)

rNtL /÷jf sn vftf afx]ssf cGo lgIf]k dfq :jLsf/ u/]df @=)

^=^=^=^= a}wflgs t/ntf cg'kft a}wflgs t/ntf cg'kft a}wflgs t/ntf cg'kft a}wflgs t/ntf cg'kft -cl3Nnf]cl3Nnf]cl3Nnf]cl3Nnf] dlxgfsf] d;fGtsf] s'n lgIf]k bfloTjsf] dlxgfsf] d;fGtsf] s'n lgIf]k bfloTjsf] dlxgfsf] d;fGtsf] s'n lgIf]k bfloTjsf] dlxgfsf] d;fGtsf] s'n lgIf]k bfloTjsf] cfwf/df sfod ug'{kg]{ ;Ldf_cfwf/df sfod ug'{kg]{ ;Ldf_cfwf/df sfod ug'{kg]{ ;Ldf_cfwf/df sfod ug'{kg]{ ;Ldf_

rNtL /÷jf sn vftfsf] lgIf]k :jLsf/ u/]df !)=)

rNtL /÷jf sn vftf lgIf]k ;+sng gu/]df ^=)

&=&=&=&= ljQLo ;|f]t ;Íng ;LdfljQLo ;|f]t ;Íng ;LdfljQLo ;|f]t ;Íng ;LdfljQLo ;|f]t ;Íng ;Ldf

;fk6L >f]t kl/rfng -s'n lgIf]k bfloTjsf] cfwf/df_ ##=#

ljQLo >f]t -Aofh jf ljgf Aofhdf :jLsf/ ul/g] s'g} klg k|sf/sf] lgIf]k, ;fk6L / ljleGg lsl;dsf C0f pks/0fx?_ sf] ;+sng -k|fylds k"FhLsf] cfwf/df_

!% u'0ff

s'g} Pp6f kmd{, sDkgL jf ;+ul7t ;+:yfaf6 kl/rfng ul/g] ;+:yfks lgIf]k bfloTj –s'n lgIf]k bfloTjsf] cfwf/df_

@)=)

*=*=*=*= q}dfl;s ljkGg ju{ shf{q}dfl;s ljkGg ju{ shf{q}dfl;s ljkGg ju{ shf{q}dfl;s ljkGg ju{ shf{

^ dlxgf cl3sf] shf{ tyf ;fk6sf] cfwf/df k|jfx ug'{kg]{ ljkGg ju{ shf{ tyf nufgLsf] Go'gtd ;Ldf -@)^( cfiff9 d;fGt;Dd_

@=%)

7

@=@=@=@= ljQLo kl/;"rsx¿ljQLo kl/;"rsx¿ljQLo kl/;"rsx¿ljQLo kl/;"rsx¿

cfly{s jif{ @)^*.^( sf] k|d'v cfly{s tyf ljQLo kl/;"rsx? b]xfo adf]lhd /x]sf 5g\ .

ljQLo kl/;"rsx?ljQLo kl/;"rsx?ljQLo kl/;"rsx?ljQLo kl/;"rsx?

-?= s/f]8df_

qm=;+qm=;+qm=;+qm=;+ zLif{szLif{szLif{szLif{s cf=jcf=jcf=jcf=j

2062062062066666/6/6/6/67777 cf=jcf=jcf=jcf=j

2067206720672067/6/6/6/68888 cf=jcf=jcf=jcf=j

2068206820682068/6/6/6/69999

1.1.1.1. s'n ufx{:y pTkfbg s'n ufx{:y pTkfbg s'n ufx{:y pTkfbg s'n ufx{:y pTkfbg ----k|rlnt d"Nodf_ k|rlnt d"Nodf_ k|rlnt d"Nodf_ k|rlnt d"Nodf_ * 106088106088106088106088 134577134577134577134577 155817155817155817155817

2.2.2.2. s'n lgIf]k s'n lgIf]k s'n lgIf]k s'n lgIf]k 73703737037370373703 87002870028700287002 107167107167107167107167

-s_ jfl0fHo a}Í 58222 68759 86798

-v_ lasf; a}Í 7748 9689 12724

-u_ ljQ sDkgL 7733 8554 7645

3.3.3.3. s'n shf{s'n shf{s'n shf{s'n shf{ 61220612206122061220 69881698816988169881 79213792137921379213

-s_ jfl0fHo a}Í 46938 52285 62257

-v_ lasf; a}Í 6578 8892 10055

-u_ ljQ sDkgL 7704 8704 6901

4.4.4.4. s'n lgIf]k÷ufx{:y pTkfbg s'n lgIf]k÷ufx{:y pTkfbg s'n lgIf]k÷ufx{:y pTkfbg s'n lgIf]k÷ufx{:y pTkfbg ----k|ltzt_k|ltzt_k|ltzt_k|ltzt_ 69.4769.4769.4769.47 64646464.65.65.65.65 68.7868.7868.7868.78

5.5.5.5. s'n shf{÷ufx{:y pTkfbg s'n shf{÷ufx{:y pTkfbg s'n shf{÷ufx{:y pTkfbg s'n shf{÷ufx{:y pTkfbg ---- k|ltzt _k|ltzt _k|ltzt _k|ltzt _ 57.7157.7157.7157.71 51.9351.9351.9351.93 50.8450.8450.8450.84

6.6.6.6. s'n lgIf]kdf jfl0fHo a}Ísf] c+z s'n lgIf]kdf jfl0fHo a}Ísf] c+z s'n lgIf]kdf jfl0fHo a}Ísf] c+z s'n lgIf]kdf jfl0fHo a}Ísf] c+z ---- k|ltzt _k|ltzt _k|ltzt _k|ltzt _ 79.0079.0079.0079.00 79.0379.0379.0379.03 80.9980.9980.9980.99

s'n lgIf]kdf lasf; a}Ísf] c+z s'n lgIf]kdf lasf; a}Ísf] c+z s'n lgIf]kdf lasf; a}Ísf] c+z s'n lgIf]kdf lasf; a}Ísf] c+z 10.5110.5110.5110.51 11.1411.1411.1411.14 11.8711.8711.8711.87

s'n lgIf]kdf ljQ sDkgLsf] c+zs'n lgIf]kdf ljQ sDkgLsf] c+zs'n lgIf]kdf ljQ sDkgLsf] c+zs'n lgIf]kdf ljQ sDkgLsf] c+z 10.4910.4910.4910.49 9.839.839.839.83 7.137.137.137.13

7.7.7.7. s'n shf{df jfl0fHo a}Ís'n shf{df jfl0fHo a}Ís'n shf{df jfl0fHo a}Ís'n shf{df jfl0fHo a}Ísf] c+z sf] c+z sf] c+z sf] c+z ---- k|ltzt _k|ltzt _k|ltzt _k|ltzt _ 76.6776.6776.6776.67 74.8274.8274.8274.82 78.5978.5978.5978.59

s'n shf{df lasf; a}Ísf] c+zs'n shf{df lasf; a}Ísf] c+zs'n shf{df lasf; a}Ísf] c+zs'n shf{df lasf; a}Ísf] c+z 10.7410.7410.7410.74 12.7212.7212.7212.72 12.6912.6912.6912.69

s'n shf{df ljQ sDkgLsf] c+zs'n shf{df ljQ sDkgLsf] c+zs'n shf{df ljQ sDkgLsf] c+zs'n shf{df ljQ sDkgLsf] c+z 12.5812.5812.5812.58 12.4612.4612.4612.46 8.718.718.718.71

8.8.8.8. s'n lgIf]ksf] a[l4b/ s'n lgIf]ksf] a[l4b/ s'n lgIf]ksf] a[l4b/ s'n lgIf]ksf] a[l4b/ ---- k|ltzt _k|ltzt _k|ltzt _k|ltzt _ 10.1410.1410.1410.14 18.0418.0418.0418.04 23.1823.1823.1823.18

jfl0fHo a}Ísf] lgIf]ksf] a[l4b/ 3.203.203.203.20 18.1018.1018.1018.10 26.2426.2426.2426.24

lasf; a}Ísf] lgIf]ksf] a[l4b/ 61.5861.5861.5861.58 25.0525.0525.0525.05 31.3231.3231.3231.32

ljQ sDkgLsf] lgIf]ksf] a[l4b/ 35.4835.4835.4835.48 10.6210.6210.6210.62 (10.63)(10.63)(10.63)(10.63)

9.9.9.9. s'n shf{sf] a[l4b/ s'n shf{sf] a[l4b/ s'n shf{sf] a[l4b/ s'n shf{sf] a[l4b/ ---- k|ltztk|ltztk|ltztk|ltzt ____ 27.2527.2527.2527.25 14.1514.1514.1514.15 13.35 13.35 13.35 13.35

jfl0fHo a}Ísf] shf{sf] a[l4b/ 23.4523.4523.4523.45 11.3911.3911.3911.39 19.07 19.07 19.07 19.07

lasf; a}Ísf] shf{sf] a[l4b/ 61.7861.7861.7861.78 35.1835.1835.1835.18 13.08 13.08 13.08 13.08

ljQ sDkgL shf{sf] a[l4b/ 27.9127.9127.9127.91 12.9812.9812.9812.98 (20.71)(20.71)(20.71)(20.71)

;|f]tM * cf=j=@)^*÷^( df g]kfn /fi6« a}Íåf/f k|sflzt æb]zsf] jt{dfg cfly{s l:yltÆ sf] ljleGg dfl;s k|sfzgx?df lbOPsf] tYofÍdf cfwfl/t .

cf=j= @)^^÷^& tyf @)^&÷^* df a}+lsË If]q -jfl0fHo a}Í, ljsf; a}Í tyf ljQ sDkgL_ sf] lgIf]k a[l4b/ qmdzM !)=!$ k|ltzt tyf !*=)$ k|ltzt /x]sf]df cf=j= @)^*÷^( df ;f] a[l4b/ @#=!* k|ltzt /x]sf] 5 . jfl0fHo a}Íx?sf] lgIf]k cf= j= @)^&÷^* df !*=!) k|ltztn] a9]sf]df cf= j= @)^*÷^( df @^=@$ k|ltztn] a9]sf] 5 . . To;}u/L, ljsf; a}+ssf] lgIf]k a[l4b/ cf=j= @)^^÷^& df ^!=%* k|ltzt /x]sf]df

8

cf=j=@)^&÷^* df @%=)% k|ltzt / cf=j=@)^*÷^( df #!=#@ k|ltztn] a[l4 ePsf] b]lvG5 . ljQ sDkgLx?sf] lgIf]k cf=j= @)^&÷^* df cl3Nnf] cf=j=sf] t'ngfdf !)=^@ k|ltztn] j[l4sf] ePsfdf cf=j=@)^*÷^( df !)=^# k||ltztn] 36\g uPsf] b]lvG5 .

a}lsË If]qsf] s'n lgIf]kdf jfl0fHo a}+sx¿sf] c+z cf=j= @)^^÷^& df &(=)) k|ltzt, cf=j= @)^&÷^* df &(=)# k|ltzt /x]sf]df cf=j= @)^*÷^( df *)=(( k|ltzt /x]sf] 5 . s'n lgIf]kdf ljsf; a}+ssf] c+z cf=j= @)^^÷^& df !)=%! k|ltzt, cf=j=@)^&÷^* df !!=!$ k|ltzt / cf=j=@)^*÷^( df !!=*& k|ltzt /x]sf] 5 . o:t} u/L ljQ sDkgL tk{msf] lgIf]ksf] c+z cf=j=@)^^÷^& df !)=$( k|ltzt /x]sf]df cf=j=@)^&÷^* sf] cjlwdf s]xL ljQ sDkgLdf ;d:of b]lvPsf] x'+bf o:tf] c+z (=*# k|ltzt / cf=j=@)^*÷^( df &=!# k|ltztdf ;Lldt ePsf] 5 .

To:t}, cf=j= @)^^÷^& tyf @)^&÷^* df a}+lsË If]qsf] s'n shf{sf] j[l4b/ qmdzM @&=@% k|ltzt tyf !$=!% k|ltzt /x]sf]df cf=j= @)^*÷^( df ;f] j[l4b/ !#=#% k|ltzt /x]sf] 5 . pQm cfly{s aif{x?df jfl0fHo a}Íx?sf] shf{ a[l4b/ qmdzM @#=$% k|ltzt, !!=#( k|ltzt tyf !(=)& k|ltzt /x]sf] 5 eg] ljsf; a}Ísf] shf{ a[l4b/ qmdzM ^!=&* k|ltzt, #%=!* k|ltzt tyf !#=)* k|ltzt /x]sf] b]lvG5 . ljQ sDkgLx?sf] shf{ j[l4b/ cf=j=@)^^÷^& sf] @&=(! k|ltztsf] t'ngfdf cf=j=@)^&÷^* df !@=(* k|ltztn] dfq a[l4 ePsf] 5 . cf=j=@)^*÷^( df eg] cl3Nnf] cf=j=sf] t'ngfdf @)=&! k|ltztn] 36]sf] b]lvG5 . a}lsË If]qsf] ;du| shf{ lj:tf/df sdL cfpg'df d'ntM 3/ hUuf shf{df cfPsf] lzlyntf / z]o/ sf/f]jf/df ePsf] dGbL g} k|d'v sf/ssf] ?kdf /x]sf 5g\ .

To;}u/L, pQm cfly{s aif{x?df a}lsË If]qsf] s'n shf{df jfl0fHo a}Íx?sf] c+z cf=j=@)^^÷^& df &^=^& k|ltztaf6 cf=j=@)^&÷^* df &$=*@ k|ltztdf em/]sf] 5 eg] cf=j= @)^*÷^( df s]xL a[l4 eO{ &*=%( k|ltzt sfod /x]sf] 5 . ljsf; a}+ssf] c+z cf=j=@)^^÷^& sf] !)=&$ k|ltztsf] t'ngfdf cf=j=@)^&÷^* df ;fdfGo a[l4 eO{ !@=&@ k|ltzt k'u]sf] b]lvG5 eg] cf=j=@)^*÷^( df !@=^( k|ltzt sfod /x]sf] 5 . ljQ sDkgLx?sf] c+z cf=j=@)^^÷^& df !@=%* k|ltzt, cf=j=@)^&÷^* df !@=$^ k|ltzt / cf=j=@)^*÷^( df s]xL c+z 36\g uO{ *=&! k|ltztdf sfod /x]sf] 5 .

7

v08 v08 v08 v08 ----v_v_v_v_ :ynut lg/LIf0f :ynut lg/LIf0f :ynut lg/LIf0f :ynut lg/LIf0f

8

v08 v08 v08 v08 ----v_v_v_v_

:ynut lg/LIf0f:ynut lg/LIf0f:ynut lg/LIf0f:ynut lg/LIf0f

ljQ sDkgLx?sf]] ;du| ljQLo l:ylt nufot tL ;+:yfx?af6 k|rlnt P]g, lgod, gLlt tyf o; a}Íaf6 ;do ;dodf hf/L ul/Psf lgb]{zgx¿sf] kfngf l:yltsf] ;DaGwdf :ynut lg/LIf0faf6 d"NofÍg ul/G5 . :ynut lg/LIf0fsf] nflu cfjZos k"jf{wf/ tyf sfuhftx? tof/ ug{ ;DalGwt ;+:yfnfO{ :ynut lg/LIf0fdf hfg] ldltn] !% lbg cufj} ;"rgf ul/G5 . :ynut lg/LIf0f cGtu{t 5gf}6sf] cfwf/df ;+:yfsf zfvfx¿ tyf ;+:yfn] nufgL u/]sf kl/of]hgfx¿ ;d]t lg/LIf0f ul/G5 . :ynut lg/LIf0f ;dli6ut :j?ksf] x'g] ePsf]n] CAMELS(Capital, Assets,

Management ,Earning, Liquidity and Sensitivity to Market Risk) Rating sf] cfwf/df d"NofÍg ul/G5 . ;fy}, ;DjlGwt ;+:yfsf] hf]lvd kIfx?nfO{ ;d]t dWo] gh/ u/L lg/LIf0f sfo{ ;DkGg ul/G5 . ljQ sDkgLx?sf]] sfdsf/jfxLaf6 lgIf]kstf{ Pj+ nufgLstf{x?sf] lxt ;+/If0f eP gePsf] ;'lglZrt ug{ :ynut lg/LIf0f k|ltj]bgaff6 lj:t[t hfgsf/L xfFl;n x'g ;Sb5 . ljutdf k|To]s ljQ sDkgLsf] b'O{ aif{sf] cGt/fndf lg/LIf0f ug]{ ul/Ptfklg xfnsf] ;dodf k|To]s jif{ lg/LIf0f ug{ z'?cft ul/Psf] 5 .

;dli6ut :ynut lg/LIf0f ;Dk;dli6ut :ynut lg/LIf0f ;Dk;dli6ut :ynut lg/LIf0f ;Dk;dli6ut :ynut lg/LIf0f ;DkGg ul/Psf ljQ sDkgLx?Gg ul/Psf ljQ sDkgLx?Gg ul/Psf ljQ sDkgLx?Gg ul/Psf ljQ sDkgLx?

cfly{s jif{ @)^*.^( df ;Dk"0f{ ljQ sDkgLx?sf] ;dli6ut :ynut lg/LIf0f ug]{ nIo /flvPsf]df b]xfosf ^) j6f ljQ sDkgLx?sf] lg/LIf0f sfo{ ;DkGg ul/Psf] 5 .

qm= ;+=qm= ;+=qm= ;+=qm= ;+= ljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfd b]lvb]lvb]lvb]lv ;Dd;Dd;Dd;Dd != k|f]u|]lze kmfOgfG; ln=, Go" /f]8, sf7df08f}+ @)^*.$.!@ @)^*.$.!* @= c?0f kmfOgfG; ln=, w/fg, ;'G;/L @)^*.$.#@ @)^*.%.^ #= kf6g kmfOgfG; ln=, k'Nrf]s, nlntk'/ @)^*.%.% @)^*.%.!! $= u'8ljn kmfOgfG; ln=, xflQ;f/, sf7df08f}+ @)^*.%.& @)^*.%.!% %= hfgsL kmfOgfG; ln=, hgsk'/wfd, wg'iff @)^*.%.!) @)^*.%.!* ^= ;]G6«n kmfOgfG; s+= ln=, s'k08f]n, nlntk'/ @)^*.%.!! @)^*.%.@) &= uf]/vf kmfOgfG; ln=, xflQ;f/, sf7df08f}+ @)^*.%.!! @)^*.%.!( *= g]kfn PS;k]|; kmfOgfG; ln=, ;'Gwf/f, sf7df08f}+ @)^*.%.@) @)^*.%.@& (= z'enIdL kmfOgfG; ln=, gS;fn, sf7df08f}+ @)^*.%.@! @)^*.%.@* !)= k]mjf kmfOgfG; ln=, kf]v/f, sf:sL @)^*.%.@! @)^*.%.#! !!= s'j]/ dr]{G6 kmfOgfG; ln=, sdnkf]v/L, sf7df08f}+ @)^*.%.@& @)^*.^.$ !@= o'lge;{n kmfOgfG; ln=, sflGtky, sf7df08f}+ @)^*.%.@& @)^*.^.$ !#= k|e' kmfOgfG; ln=, n}grf}/, sf7df08f}+ @)^*.%.@& @)^*.^.^ !$= cfO{PdO{ kmfOgflG;on OlG:6Ro"6 ln=, kfgLkf]v/L,

sf7df08f}+ @)^*.^.# @)^*.^.!%

!%= ckL kmfOgfG; ln=, kf]v/f, sf:sL @)^*.^.* @)^*.^.!% !^= cGgk"0f{ kmfOgfG; ln=, kf]v/f, sf:sL @)^*.^.* @)^*.^.!% !&= ;]tL kmfO{gfG; ln=, l6sfk'/, s}nfnL @)^*.^.@* @)^*.&.$ !*= :6}088{ kmfOgfG; ln=, gf/fo0frf}/, sf7df08f}+ @)^*.&.!^ @)^*.&.@% !(= O{G6/g]zgn lnlh+u P08 kmfOgfG; ln= gofF jfg]Zj/,

sf7df08f}+ @)^*.&.@@ @)^*.*.@

9

@)= gf/fo0fL g]zgn kmfOgfG; ln=, sflnsf:yfg, sf7df08f}+ @)^*.&.@@ @)^*.*.@ @!= lxdfno kmfOgfG; ln=, ;'Gwf/f, sf7df08f}+ @)^*.*.!% @)^*.*.@@ @@ dxfnIdL kmfOgfG; ln=, k'tnL;8s, sf7df08f}+ @)^*.(.!& @)^*.(.@% @#= o'gfO{6]8 kmfOgfG; ln=, b/jf/dfu{, sf7df08f}+ @)^*.(.!& @)^*.(.@% @$= u'x]Zj/L dr]{G6 a}+ls+u P08 kmfOgfG; ln=, xl/x/ejg, nlntk'/ @)^*.(.@! @)^*.(.@& @%= otL kmfOgfG; ln=, x]6f}8f, dsjfgk'/ @)^*.!).& @)^*.!).!# @^= gd:t] ljQLo ;+:yf ln=, 3f]/fxL, bf+u @)^*.!).!% @)^*.!).@@ @&= klZrdfGrn kmfOgfG; ln=, a'6jn, ?kGb]xL @)^*.!).@@ @)^*.!).@( @*= l;len dr]{G6 ljQLo ;+:yf ln=, s'n]Zj/, sf7df08f}+ @)^*.!).@@ @)^*.!).@& @(= >[hgf kmfO{gfG; ln=, lj/f6gu/, df]/+u @)^*.!).@* @)^*.!!.@ #)= gjb'uf{ kmfOgfG; ln=, O{6f5], eQmk'/ @)^*.!!.!! @)^*.!!.!& #!= O{Dk]l/on kmfOgfG; ln=, yfkfynL, sf7df08f}+ @)^*.!!.!! @)^*.!!.!^ #@= n'lDjgL kmfOgfG; P08 lnlh+u ln=, 7d]n, sf7df08f}+ @)^*.!!.@* @)^*.!@.% ##= ;u/dfyf dr]{G6 a}ls+u P08 kmfOgfG; ln=, dfgejg, nlntk'/ @)^*.!!.@* @)^*.!@.# #$= h]ljN; kmfOgfG; ln=, Go"/f]8, sf7df08f}+ @)^*.!!.@* @)^*.!@.@ #%= h]lgy kmfO{gfG; ln=, Go"/f]8, sf7df08f}+ @)^*.!@.!@ @)^*.!@.!^ #^= dGh'>L kmfO{gflG;on O{lGi6Ro"zg ln=, gofF afg]Zj/,

sf7df08f}+ @)^*.!@.!@ @)^*.!@.!^

#&= nlntk'/ kmfOgfG; s+= ln=, nugv]n, nlntk'/ @)^*.!@.!@ @)^*.!@.@) #*= sf7df08f}+ kmfO{gfG; ln=, l8NnLjhf/, sf7df08f}+ @)^*.!@.@^ @)^(.!.# #(= k'|8]lG;on kmfOgfG; s+= ln=, l8NnLjhf/, sf7df08f}+ @)^*.!@.@^ @)^(.!.$ $)= cf]d kmfOgfG; ln=, kf]v/f, sf:sL @)^(.!.% @)^(.!.!@ $!= g]kfn kmfO{gfG; ln=, sdnfbL, sf7df08f}+ @)^(.!.#! @)^(.@.% $@= l/nfoG; kmfOgfG; ln=, k|bz{gL dfu{, sf7df08f}+ @)^(.!.#! @)^(.@.& $#= hg/n kmfOgfG; ln=, rfjlxn, sf7df08f}+ @)^(.!.#! @)^(.@.& $$= sf:sL kmfOgfG; ln=, kf]v/f, sf7df08f}+ @)^(.!.#) @)^(.@.* $%= jN8{ dr]{G6 a}ls+u P08 kmfOgfG; ln=, x]6f}8f, dsjfgk'/ @)^(.@.!& @)^(.@.@# $^= EofnL kmfOgfG; ln=, dxf/fhu~h, sf7df08f}+ @)^(.@.@! @)^(.@.@^ $&= l/nfojn kmfOgfG; ln=, ;'Gwf/f, sf7df08f}+ @)^(.@.@! @)^(.@.@* $*= o'lgs kmfOgfG; ln=, k'tnL;8s, sf7df08f}+ @)^(.@.@! @)^(.@.@% $(= cfO{l;Pkm;L kmfOgfG; ln=, ef6e6]gL, sf7df08f}+ @)^(.@.@! @)^(.@.@( %)= o'lgog kmfOgfG; ln=, sdnfbL, sf7df08f}+ @)^(.@.@( @)^(.#.$ %!= g]kfn xfplh+u P08 dr]{G6 kmfOgfG; ln=, l8NnLjhf/,

sf7df08f}+ @)^(.@.@( @)^(.#.%

%@= PgcfOl8;L Soflk6n dfs]{6\; ln, sdnkf]v/L, sf7df08f}+ @)^(.@.@( @)^(.#.% %#= l;4fy{ kmfOgfG; ln=, l;4fy{gu/, ?kGb]xL @)^(.#.!) @)^(.#.!^ %$= dlN6k/k; kmfOgfG; ln=, /fhlj/fh, ;Kt/L @)^(.#.!$ @)^(.#.!( %%= Pe/]i6 kmfOgfG; ln=, l;4fy{gu/, ?kGb]xL @)^(.#.!# @)^(.#.!( %^= /f]on dr]{G6 j}ls+u P08 kmfOgfG; ln=, b/jf/dfu{,

sf7df08f}+ @)^(.#.!$ @)^(.#.@!

%&= g]kfn cfjf; kmfOgfG; ln=, ltgs'g], sf7df08f}+ @)^(.#.!$ @)^(.#.!( %*= >L O{Ge]i6d]06 P08 kmfOgfG; ln=, l8NnLjhf/, sf7df08f}+ @)^(.#.!$ @)^(.#.@! %(= nf]6; OGe]i6d]06 kmfOgfG; ln=, Go"/f]8, sf7df08f}+ @)^(.#.!$ @)^(.#.!* ^)= kf]v/f kmfOgfG; ln=, kf]v/f, sf:sL @)^(.#.!( @)^(.#.@&

10

v08 v08 v08 v08 ----u_u_u_u_

v08 v08 v08 v08 ----u_u_u_u_ u}/:ynut ;'kl/j]If0f u}/:ynut ;'kl/j]If0f u}/:ynut ;'kl/j]If0f u}/:ynut ;'kl/j]If0f

11

u}/:ynut ;'kl/j]If0fu}/:ynut ;'kl/j]If0fu}/:ynut ;'kl/j]If0fu}/:ynut ;'kl/j]If0f

ljQLo k|0ffnLdf /x]sf ;a} ljQ sDkgLx?af6 ljQLo ljj/0f, cGo tYofÍ Pj+ ;"rgf dfu u/L u}/:ynut ;'kl/j]If0faf6 ljQLo ;+:yf ;~rfngsf cj:yfaf/] hfgsf/L k|fKt ug]{ ul/G5 . u}/:ynut ;'kl/j]If0f k|ltj]bgn] k"j{r]tfjgL ;Í]t -Early Warning Signal_ k|bfg ug]{ x'gfn] ;DalGwt ljQLo ;+:yfnfO{ oyf;dod} ;'wf/fTds pkfox¿ ckgfpg lgb]{zg lbg ;xof]u k'¥ofpFb5 . g]kfn /fi6« a}Í lg/LIf0f tyf ;'kl/j]If0f ljlgodfjnL, @)%( nfu" ePkl5 u}/:ynut ;'kl/j]If0f sfo{nfO{ cem ;'b[9 ul/Psf] 5 . cfly{s aif{ @)^*.^( df o; ljefusf] ;'kl/j]If0fLo bfo/fdf /x]sf ljQ sDkgLx¿sf] ljQLo ljZn]if0f tyf u}/:ynut ;'kl/j]If0faf6 b]lvPsf sdL sdhf]/Lx¿nfO{ ;'wf/ ug{ cfjZos lgb]{zg lbg'sf ;fy} ;f]sf] kfngf ;DaGwdf cg'udg ul/Psf] 5 .

ljQ sDkgLx?ljQ sDkgLx?ljQ sDkgLx?ljQ sDkgLx?sf] ljQLo ljZn]if0fsf] ljQLo ljZn]if0fsf] ljQLo ljZn]if0fsf] ljQLo ljZn]if0f tyf jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f tyf jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f tyf jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f tyf jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ lbOPsf lgb]{zgx?k|sfzg ug{ :jLs[lt k|bfg ubf{ lbOPsf lgb]{zgx?k|sfzg ug{ :jLs[lt k|bfg ubf{ lbOPsf lgb]{zgx?k|sfzg ug{ :jLs[lt k|bfg ubf{ lbOPsf lgb]{zgx?

!=!!=!!=!!=! ljQ sDkgLx?sf] ljQLo ljZn]if0fljQ sDkgLx?sf] ljQLo ljZn]if0fljQ sDkgLx?sf] ljQLo ljZn]if0fljQ sDkgLx?sf] ljQLo ljZn]if0f

cfly{s jif{ @)^*.^( df s'n ^* j6f ljQ sDkgLx¿ o; a}Ísf] ;'kl/j]IfsLo bfo/fleq /x]sf 5g\ . tL dWo] jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ul/Psf %# j6f ljQ sDkgLx?sf] kl/is[t ljQLo ljj/0f / :jLs[lt lng afFsL !% ljQ sDkgLx?sf] ckl/is[t ljQLo ljj/0fsf] cfwf/df tof/ ul/Psf] ljQ sDkgL ;d"x -…uÚ ju{ sf ljQLo ;+:yfx?_ sf] ;du| ljQLo ljZn]if0f lgDg adf]lhd ul/Psf] 5 .

1=1=11=1=11=1=11=1=1 k|fylds k"FhL tyf k"FhLsf]ifk|fylds k"FhL tyf k"FhLsf]ifk|fylds k"FhL tyf k"FhLsf]ifk|fylds k"FhL tyf k"FhLsf]if

? s/f]8df

ljj/0fljj/0fljj/0fljj/0f cf=cf=cf=cf=jjjj====

@)^^@)^^@)^^@)^^.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^&@)^&@)^&@)^&.^.^.^.^**** cf=jcf=jcf=jcf=j====

@)^*@)^*@)^*@)^*.^.^.^.^(((( k|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{g

----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ k|fylds k"FhL 2016 1848 1150 (8.33) (37.75)

k"FhLsf]if 2100 1928 1212 (8.19) (37.11)

hf]lvd efl/t ;DklQ 9878 9760 8067 (1.19) (17.35)

k|fylds k"FhLk|fylds k"FhLk|fylds k"FhLk|fylds k"FhL÷÷÷÷hf]lvd efl/t hf]lvd efl/t hf]lvd efl/t hf]lvd efl/t

;DklQ cg'kft ;DklQ cg'kft ;DklQ cg'kft ;DklQ cg'kft ----% df_df_df_df_

20.4120.4120.4120.41 18.9318.9318.9318.93 14.2614.2614.2614.26

k"FhLsf]ifk"FhLsf]ifk"FhLsf]ifk"FhLsf]if÷÷÷÷hf]lvd efl/t ;DklQ hf]lvd efl/t ;DklQ hf]lvd efl/t ;DklQ hf]lvd efl/t ;DklQ

cg'kft cg'kft cg'kft cg'kft ----% df_df_df_df_

21.2621.2621.2621.26 19.7519.7519.7519.75 15.0315.0315.0315.03

cfly{s aif{ @)^*.^( df cl3Nnf] cf=a sf] ?=!(,@* s/f]8sf] t'ngfdf k"FhLsf]if #&=!! k|ltztn] 36\g uO{ ? !@,!@ s/f]8 ePsf] 5 eg] k|fylds k"FhL ? !*,$* s/f]8af6 #&=&% k|ltztn] 36\g uO{ ?=!!,%) s/f]8 sfod ePsf] 5 . o;/L k"FhLsf]ifdf sdL cfpg'df s]xL ljQ sDkgLx?sf] k|fylds k"FhL u0fgf ubf{ ;dfj]z x'g] r/x?df x|f; cfpg' /x]sf] 5 .

cfly{s jif{ @)^*÷^( df hf]lvd efl/t ;DklQ;+u k"FhLsf]if cg'kft !%=)# k|ltzt /x]sf] 5 eg] k|fylds k"FhL cg'kft !$=@^ k|ltzt /x]sf]] 5 . cf=j= @)^^÷^& / @)^&÷^* df

12

hf]lvd efl/t ;DklQ;+u k"FhLsf]if cg'kft qmdzM @!=@^ tyf !(=&% k|ltzt /x]sf] lyof] eg] k|fylds k"FhL;+usf] cg'kft @)=$! tyf !*=(# k|ltzt /x]sf]] lyof] .

!=!=@ !=!=@ !=!=@ !=!=@ hf]lvd efl/t ;DklQ÷s'n ;DklQ cg'kfthf]lvd efl/t ;DklQ÷s'n ;DklQ cg'kfthf]lvd efl/t ;DklQ÷s'n ;DklQ cg'kfthf]lvd efl/t ;DklQ÷s'n ;DklQ cg'kft

? s/f]8df

ljj/0fljj/0fljj/0fljj/0f

cf=cf=cf=cf=jjjj==== cf=cf=cf=cf=jjjj==== cf=cf=cf=cf=jjjj==== k|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{g

@)^^.^&@)^^.^&@)^^.^&@)^^.^& @)^&.^*@)^&.^*@)^&.^*@)^&.^* @)^*.^(@)^*.^(@)^*.^(@)^*.^(

----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ s'n ;DklQ 10959 12458 11189 13.68 -10.19

hf]lvd efl/t ;DklQ 9878 9760 8067 hf]lvd efl/t hf]lvd efl/t hf]lvd efl/t hf]lvd efl/t ;DklQ÷s'n ;DklQ ;DklQ÷s'n ;DklQ ;DklQ÷s'n ;DklQ ;DklQ÷s'n ;DklQ cg'kft cg'kft cg'kft cg'kft ----k|ltztdf_k|ltztdf_k|ltztdf_k|ltztdf_

90.14 78.34 72.10

@)^( cfiff9 d;fGtdf ljQ sDkgLx¿sf] s'n ;DklQ @)^* cfiff9 d;fGtdf sfod /x]sf] ?=!,@$,%* s/f]8sf] t'ngfdf !)=!( k|ltztn] Go"g eO{ ?=!,!!,*( s/f]8 ePsf] 5 . @)^* cfiff9 d;fGtdf s'n ;DklQsf] a[l4b/ cl3Nnf] jif{sf] t'ngfdf !#=^* k|ltztn] a[l4 ePsf] lyof] .

@)^( cfiff9 d;fGtdf ljQ sDkgLx¿sf] s'n ;DklQdf hf]lvd efl/t ;DklQsf] cg'kft &@=!) k|ltzt /x]sf] 5 h'g cl3Nnf] cf=j= @)^&÷^* df &*=#$ k|ltzt / cf=j= @)^^÷^& df ()=!$ k|ltzt /x]sf] lyof] .

!=!=# !=!=# !=!=# !=!=# nufgL nufgL nufgL nufgL

? s/f]8df


@)^^@)^^@)^^@)^^.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^&@)^&@)^&@)^&.^.^.^.^**** cf=cf=cf=cf=jjjj====


----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@@@@_÷_÷_÷_÷----@_@_@_@_ ;/sf/L ;'/If0fkq 124 237 248 91.13 4.64

z]o/ tyf l8j]~r/ 76 60 49 (21.05) (18.33)

cGo nufgL 227 273 38 20.26 (86.08)

s'n nufgLs'n nufgLs'n nufgLs'n nufgL 427427427427 570570570570 333333335555 33.49 (40.70)

k|fylds k"FhL 2016 1848 1150 z]o/ tyf l8j]~r/ nufgL÷k|fylds z]o/ tyf l8j]~r/ nufgL÷k|fylds z]o/ tyf l8j]~r/ nufgL÷k|fylds z]o/ tyf l8j]~r/ nufgL÷k|fylds k"FhL cg'kft k"FhL cg'kft k"FhL cg'kft k"FhL cg'kft ----% df_df_df_df_

3.773.773.773.77 3.3.3.3.25252525 4.264.264.264.26

@)^( cfiff9d;fGtdf ljQ sDkgLx?sf] s'n nufgL ?=#,#% s/f]8 /x]sf] 5, h'g @)^* cfiff9;Ddsf] s'n nufgL ?=%,&) s/f]8sf] t'ngfdf $)=&) k|ltztn] Go"g /x]sf] b]lvG5 . @)^& cfiff9df o:tf] nufgL ?=$,@& s/f]8 /x]sf] lyof] .

13

!=!=$!=!=$!=!=$!=!=$ shf{ tyf ;fk6sf]shf{ tyf ;fk6sf]shf{ tyf ;fk6sf]shf{ tyf ;fk6sf] juL{s/0fjuL{s/0fjuL{s/0fjuL{s/0f

? s/f]8df


@)^^@)^^@)^^@)^^.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^&@)^&@)^&@)^&.^.^.^.^**** cf=cf=cf=cf=jjjj====


----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ ;lqmo shf{ 7522 8005 6016 6.42 -24.85

lgis[o shf{ 182 699 885 284.07 26.62

s"n shf{ tyf ;fk6s"n shf{ tyf ;fk6s"n shf{ tyf ;fk6s"n shf{ tyf ;fk6 7704770477047704 8704870487048704 6906906906901111 12.9812.9812.9812.98 ----20.7120.7120.7120.71

lgis[o shf{ cg'kft lgis[o shf{ cg'kft lgis[o shf{ cg'kft lgis[o shf{ cg'kft ----% df_df_df_df_ 2.362.362.362.36 8.038.038.038.03 12.8312.8312.8312.83

@)^( cfiff9d;fGtdf ljQ sDkgLx?sf] lgis[o shf{ cl3Nnf] jif{sf] ?=^,(( s/f]8af6 @^=^@ k|ltztn] a9\g uO{ ?=*,*% s/f]8 k'u]sf] 5 . o; cjlwsf] s'n shf{ tyf ;fk6df lgis[o shf{sf] cg'kft !@=*# k|ltzt ePsf] 5 h'g cf=j= @)^^÷^& df @=#^ k|ltzt tyf cf=j= @)^&÷^* df *=)# k|ltzt /x]sf] lyof] .

ljQ sDkgLx?sf] s'n shf{ ;fk6 cf=j= @)^*÷^( df @)=&! k|ltzt 36]sf] 5 h'g cl3Nnf] aif{ !@=(* k|ltztn] a9]sf] lyof] .

!=!=% !=!=% !=!=% !=!=% shf{ gf]S;fgL Joj:yfshf{ gf]S;fgL Joj:yfshf{ gf]S;fgL Joj:yfshf{ gf]S;fgL Joj:yf

? s/f]8df


@)^^@)^^@)^^@)^^.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^&@)^&@)^&@)^&.^.^.^.^**** cf=cf=cf=cf=jjjj====


----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ ;lqmo shf{ gf]S;fgL Joj:yf 88 46 89 -47.73 92.75

lgis[o shf{ gf]S;fgL Joj:yf 157 699 797 345.22 14.02

s"n shf{ s"n shf{ s"n shf{ s"n shf{ gf]S;fgL Joj:yfgf]S;fgL Joj:yfgf]S;fgL Joj:yfgf]S;fgL Joj:yf 245245245245 745745745745 886886886886 204.08 18.88

s'n shf{ tyf ;fk6 6023 7704 6901 s'n shf{ gf]S;fgL Joj:yf÷s'n s'n shf{ gf]S;fgL Joj:yf÷s'n s'n shf{ gf]S;fgL Joj:yf÷s'n s'n shf{ gf]S;fgL Joj:yf÷s'n

shf{ cg'kft shf{ cg'kft shf{ cg'kft shf{ cg'kft ----% df_df_df_df_ 4.074.074.074.07 9.679.679.679.67 12.8312.8312.8312.83

@)^( cfiff9df ljQ sDkgLx?n] ;lqmo shf{df ?=*( s/f]8 tyf lgis[o shf{df ?=&(& s/f]8 u/L s'n shf{df ?=*,*^ s/f]8 shf{ gf]S;fgL Joj:yf u/]sf] b]lvG5 h'g @)^* cfiff9df ?=&,$% s/f]8 /x]sf] lyof] . o;/L lgis[o shf{ gf]S;fgL Joj:yfdf a[l4 x'g'sf] d'Vo sf/0f shf{ c;'nLdf afl~5t ;'wf/ cfpg g;Sg' /x]sf] 5 .

14

!=!=^ !=!=^ !=!=^ !=!=^ shf{ shf{ shf{ shf{ / lgIf]k cg'kftlgIf]k cg'kftlgIf]k cg'kftlgIf]k cg'kft

? s/f]8df


@)^@)^@)^@)^^̂̂̂.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^&@)^&@)^&@)^&.^.^.^.^**** cf=cf=cf=cf=jjjj====


----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ shf{ tyf ;fk6 7704 8704 6901 12.98 (20.71)

lgIf]k 7733 8554 7645 10.62 (10.63)

shf{÷lgIf]k cg'kft shf{÷lgIf]k cg'kft shf{÷lgIf]k cg'kft shf{÷lgIf]k cg'kft ----% df_df_df_df_ 99.6299.6299.6299.62 101.75101.75101.75101.75 90.2790.2790.2790.27 2.14 (11.29)

k|fylds k"FhL 2016 1848 1150

shshshshf{ ÷f{ ÷f{ ÷f{ ÷----k|fylds k"FhL tyf lgIf]k_ k|fylds k"FhL tyf lgIf]k_ k|fylds k"FhL tyf lgIf]k_ k|fylds k"FhL tyf lgIf]k_ cg'kft cg'kft cg'kft cg'kft ----% df_df_df_df_

79.0279.0279.0279.02 83.6883.6883.6883.68 78.4678.4678.4678.46

ljQ sDkgLx?sf] t/ntf l:yltsf] dfk0f ug]{ ;du| shf{ tyf ;fk6÷lgIf]k cg'kft @)^( cfiff9df ()=@& k|ltzt /x]sf] 5 eg] cl3Nnf] jif{ o:tf] cg'kft !)!=&% k|ltzt /x]sf] lyof] .

!=!=& !=!=& !=!=& !=!=& u}/a}+u}/a}+u}/a}+u}/a}+lsË ;DklQ lsË ;DklQ lsË ;DklQ lsË ;DklQ

?= s/f]8df


@)^@)^@)^@)^^̂̂̂.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^@)^@)^@)^&&&&.^.^.^.^**** cf=cf=cf=cf=jjjj====

@)^@)^@)^@)^****.^.^.^.^(((( k|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{g

----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ u}/a}+lsË ;DklQ 25 18 42 -28.00 131.31

s"n ;DklQ 10959 12458 11189 u}/a}lsË ;DklQ÷s"n ;DklQ u}/a}lsË ;DklQ÷s"n ;DklQ u}/a}lsË ;DklQ÷s"n ;DklQ u}/a}lsË ;DklQ÷s"n ;DklQ

cg'kft cg'kft cg'kft cg'kft ----% df_df_df_df_ 0.230.230.230.23 0000.14.14.14.14 0.370.370.370.37

ljQ sDkgLx?sf] u}/a}+lsË ;DklQdf cf=j= @)^*÷^( df cl3Nnf] cf=j=sf] t'ngfdf !#!=#! k||ltztn] a[l4 eO{ ?=!* s/f]8af6 ?= $@ s/f]8 sfod ePsf] 5 . cf=j= @)^^÷^& df o:tf] ;DklQ ?=@% s/f]8 /x]sf] lyof] . oBlk s'n ;DklQdf u}/a}lsË ;DklQsf] cg'kft @)^& cfiff9d;fGtsf] )=@# k|ltztsf] t'ngfdf @)^* cfiff9d;fGtdf )=!$ k|ltztdf em/]sf] tyf @)^( cfiff9d;fGtdf )=#& k|ltzt /x]sf] 5 .

15

!=!=* !=!=* !=!=* !=!=* k|ltkmnsf] l:yltk|ltkmnsf] l:yltk|ltkmnsf] l:yltk|ltkmnsf] l:ylt

? s/f]8df


@)^^@)^^@)^^@)^^.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^&@)^&@)^&@)^&.^.^.^.^**** cf=cf=cf=cf=jjjj====

@)^*@)^*@)^*@)^*.^.^.^.^(((( k|ltzt kl/jk|ltzt kl/jk|ltzt kl/jk|ltzt kl/jt{gt{gt{gt{g

----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ Aofh cfDbfgL 1096 1447 1176 31.96 (18.68)

Aofh vr{ 627 936 838 49.29 (10.40)

;~rfng cfDbfgL;~rfng cfDbfgL;~rfng cfDbfgL;~rfng cfDbfgL 1219 589 413 (51.67) (29.94)

v'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fgv'b gfkmf÷gf]S;fg 235 -215 -220 (191.60) 2.17

cf=j= @)^^÷^& df ljQ sDkgLx?sf] v'b gfkmf ?=@,#% s/f]8 /x]sf]df cf=j= @)^&÷^* / cf=j= @)^*÷^( df v'b gf]S;fg qmdzM ?=@,!% s/f]8 / ?=@,@) s/f]8 ePsf] 5 . lgis[o shf{sf] cg'kft;+u} shf{ gf]S;fgL Joj:yf a9\g', ;+rfng cfDbfgLdf lu/fj6 cfpg', Aofh cfDbfgLsf] j[l4b/ Go"g x'g' cflb h:tf sf/0fx?n] ubf{ ljQ sDkgLx? v'b gf]S;fgL a[l4 ePsf] xf] .

!=!=(!=!=(!=!=(!=!=( t/ntft/ntft/ntft/ntf ? s/f]8df

ljj/0fljj/0fljj/0fljj/0f

cf=cf=cf=cf=jjjj==== @)^@)^@)^@)^^̂̂̂.^.^.^.^&&&&

cf=cf=cf=cf=jjjj==== @)^@)^@)^@)^&&&&.^.^.^.^****

cf=cf=cf=cf=jjjj==== @)^@)^@)^@)^****.^.^.^.^((((

k|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{gk|ltzt kl/jt{g

----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ gub 96 122 135 27.08 11.00

g]kfn /fi6« a}Í df}Hbft 262 243 392 -7.25 61.35

cGo a}Í÷ljQLo ;+:yfdf /x]sf] df}Hbft 1848 1725 2169 -6.66 25.76

;/sf/L ;'/If0fkqdf nufgL 124 237 248 91.13 4.74

s'n t/n ;DklQs'n t/n ;DklQs'n t/n ;DklQs'n t/n ;DklQ 2330233023302330 2327232723272327 2945294529452945 -0.13 26.56

lgIf]k 7733 8554 7645 t/n ;DklQ÷s'n lgIf]k cg'kft t/n ;DklQ÷s'n lgIf]k cg'kft t/n ;DklQ÷s'n lgIf]k cg'kft t/n ;DklQ÷s'n lgIf]k cg'kft ----% df_df_df_df_

33330.130.130.130.13 27.2027.2027.2027.20 38.5238.5238.5238.52

@)^( cfiff9d;fGtdf cl3Nnf] jif{sf] t'ngfdf ljQ sDkgLx?sf t/n ;DklQdf @^=%^ k|ltztn] a[l4 ePsf] 5 . cl3Nnf] jif{ t/n ;DklQdf )=!# k|ltztn] x|f; cfPsf] lyof] .

@)^( cfiff9df ljQ sDkgLx?;+u /x]sf] gub df}Hbftdf !!=)) k|ltztn] a[l4 ePsf] 5 eg] ;/sf/L ;'/If0fkqdf nufgL $=&$ k|ltztn] dfq a9]sf] 5 .

ljQ sDkgLx?sf] cf= j= @)^*÷^( df cGo a}Í tyf ljQLo ;+:yfdf /x]sf] df}Hbftsf] c+z @%=&^ k|ltzt /x]sf] 5 . cf=j= @)^^÷^& sf] t'ngfdf cf=j= @)^&÷^* df cGo a}Í

16

tyf ljQLo ;+:yfdf /x]sf] df}Hbftsf] c+zdf ^=^^ k|ltztn] x|f; cfPsf] lyof] . ljQ sDkgLx?sf] ;+VofTds a[l4sf ;fy} zfvf ;~hfn;Fu;Fu} P=l6=Pd= ;]jfdf klg k|lt:kwf{Tds?kn] a[l4 ePsfn] gub df}Hbftdf a[l4 x'g uPsf] xf] .

ljQ sDkgLx?sf] cf=j= @)^^÷^& / cf=j= @)^&÷^* df t/n ;DklQ s'n lgIf]k cg'kft qmdzM #)=!# k|ltzt tyf @&=@) k|ltzt /x]sf]df cf=j= @)^*÷^( df pQm cg'kft #*=%@ k|ltzt /x]sf] 5 . t/ntfdf ;'wf/ cfpg'sf] d'Vo sf/0f nufgLof]Uo Joj;foLs ;Defljt If]qx?sf] lj:tf/ x'g g;Sg' tyf ljQLo ;+:yfx?Aff6 nufgLdf ;r]ttf ckgfpb} hfg' /x]sf] 5 .

!=!=!)!=!=!)!=!=!)!=!=!) ljQLo ;|f]t ljQLo ;|f]t ljQLo ;|f]t ljQLo ;|f]t ----;fk6L tyf lgIf]k_ kl/rfng;fk6L tyf lgIf]k_ kl/rfng;fk6L tyf lgIf]k_ kl/rfng;fk6L tyf lgIf]k_ kl/rfng

? s/f]8df


@)^^@)^^@)^^@)^^.^.^.^.^&&&& cf=cf=cf=cf=jjjj====

@)^&@)^&@)^&@)^&.^.^.^.^**** cf=cf=cf=cf=jjjj====


----!_!_!_!_ ----@_@_@_@_ ----#_#_#_#_ ----@@@@––––!_÷!_÷!_÷!_÷----!_!_!_!_ ----####––––@_÷@_÷@_÷@_÷----@_@_@_@_ lgIf]k 7733 8554 7645 10.62 (10.63)

;fk6L 327 451 97 37.92 (78.55)

s'n ljQLo ;|f]t 8060806080608060 9005900590059005 7742774277427742 11.72 (14.03)

k|fylds k"FhL 2016 1848 1150 ljQLo ;|f]t ;Íng÷ ljQLo ;|f]t ;Íng÷ ljQLo ;|f]t ;Íng÷ ljQLo ;|f]t ;Íng÷ k|fylds k"FhL k|fylds k"FhL k|fylds k"FhL k|fylds k"FhL ----u'0ff_u'0ff_u'0ff_u'0ff_

4.00 4.87 6.73

@)^( cfiff9 d;fGtdf ljQ sDkgLx¿sf] lgIf]k ?=&^,$% s/f]8 / ;fk6L ?=(& s/f]8 u/L hDdf ?=&&,$@ s/f]8 s'n ljQLo ;|f]t /x]sf] b]lvG5, h'g @)^* cfiff9sf] t'ngfdf !$=)# k|ltztn] Go"g /x]sf] 5 . cf=j= @)^&÷^* df cl3Nnf] cf=j=sf] t'ngfdf !!=&@ k|ltztn] s'n ljQLo ;|f]t a9\g uO{ ?=*),^) s/f]8af6 ?=(),)% s/f]8 k'u]sf] lyof] .

ljQLo ;|f]t ;Íng cg'kft @)^& cfiff9df k|fylds k"FhLsf] $=)) u'0ff ePsf]df @)^* cfiff9df $=*& u'0ff / @)^( cfiff9df ^=&# u'0ff /x]sf] 5 .

17

@= @= @= @= jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ jflif{s ;fwf/0f ;efsf] k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ lbOPsf lgb]{zgx?lbOPsf lgb]{zgx?lbOPsf lgb]{zgx?lbOPsf lgb]{zgx?

o; ljefusf] ;'k/Lj]IfsLo bfo/fleq /x]sf ljQ sDkgLx?nfO{ ;+:yfsf] jfXo tyf cfGtl/s n]vf k/LIf0f k|ltj]bgsf cfwf/df u}/:ynut ;'k/Lj]If0f u/L jflif{s ;fwf/0f;ef k|of]hgsf nflu ljQLo ljj/0f k|sfzg ug{ :jLs[lt k|bfg ubf{ lbOPsf d'Vo lgb]{zgx? b]xfo adf]lhd /x]sf 5g\ .

@=!@=!@=!@=! g]g]g]g]kfn cfjf; kmfOgfG; lnld6]8, ltgs'g], sf7df8f}+kfn cfjf; kmfOgfG; lnld6]8, ltgs'g], sf7df8f}+kfn cfjf; kmfOgfG; lnld6]8, ltgs'g], sf7df8f}+kfn cfjf; kmfOgfG; lnld6]8, ltgs'g], sf7df8f}+

!= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf cIf/zM kfngf u/]/ dfq shf{ k|jfx ug]{ ug{ .

@= tf]lsPsf] ;Ldf eGbf a9Lsf] shf{ k|jfx ubf{ clgjfo{ ?kdf shf{ ;"rgf lng] ug{ .

#= ;DklQ ;'l¢s/0f tyf cft+safbL s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL O=k|f= lgb]{zg g=+ !( sf] Joj:yfsf] cIf/zM kl/kfngf ug{ .

$= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vfk/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

@=@@=@@=@@=@ gf/fo0fgf/fo0fgf/fo0fgf/fo0fL g]zgn kmfOgfG; lnld6]8 sflnsf:yfg, l8NnLahf/, sf7df8f}+L g]zgn kmfOgfG; lnld6]8 sflnsf:yfg, l8NnLahf/, sf7df8f}+L g]zgn kmfOgfG; lnld6]8 sflnsf:yfg, l8NnLahf/, sf7df8f}+L g]zgn kmfOgfG; lnld6]8 sflnsf:yfg, l8NnLahf/, sf7df8f}+

!= hf]lvd Joj:yfkg ;ldltn] ;~rfng / ahf/ hf]lvd Joj:yfkg dfkg tyf cg'udgsf] nflu kof{Kt pkfox? cKfgfpg] Joj:yf ldnfpgx'g .

@= sDkgL P]g, @)^# sf] bkmf !*@-(_ adf]lhd % aif{;Dd e'QmfgLsf] nflu bfjL gk/]sf] nfef+z /sd nufgLstf{ ;+/If0f sf]if v8f u/L ;f] sf]ifdf hDdf ug{] Joj:yf ldnfpgx'g .

#= o; a}+ssf] O=k|f= lgb]{zg g+= #-!!_ sf] @-v_ adf]lhd Ohfhtkqk|fKt ;+:yfsf] ;~rfns ;ldltn] k|fylds k"FhLsf] zt k|ltzteGbf a9L Pp6} If]qdf k|jflxt shf{ ;fk6 / ;'ljwfsf ;DjGwdf To:tf shf{x?sf] ;Ldf k|fylds k” FhL sf] zt k|ltzt eGbf a9L sfod /fVg] jf g/fVg] eGg] ;DaGwdf jflif{s ?kdf lg0f{o ug'{ kg]{ / ;f] lg0f{osf] hfgsf/L o; a}+ssf] a}+s tyf ljQLo ;+:yf lgodg ljefu / ;DjlGwt ;'kl/j]If0f ljefudf clgjfo{ ?kdf k7fpg] ug{x'g .

$= vr{ e'QmfgL ubf{ cfos/ P]g, @)%* n] tf]s]sf] b/df >f]tdf g} cfos/ s§L ug{] Joj:yf ldnfpgx'g .

%= shf{ k|jfx ubf{ C0fLsf] cfo>f]t k|dfl0ft x'g] sfuhft, s/ s§f u/]sf] ef}r/, ;+:yfsf] xsdf Joj;fosf] n]vfk/LIf0f ePsf] k|ltj]bg, lwtf]sf] rf/ lsNnf k|dfl0ft x'g] sfuhft, cfjlws shf{sf] e'QmfgL tflnsfdf u|fxssf] x:tfIf/ u/fpg], aLdf of]Uo lwtf]sf] aLdf tyf ;f]sf] gjLs/0f, shf{ k|jfx ePkl5 ;b'kof]lutfsf] lg/LIf0f u/L ;f]sf] k|ltj]bg cflb h:tf sfuhftx? clgjfo{ ?kdf shf{ kmfOndf ;dfj]z ug{] Joj:yf ldnfpg'x'g .

^= zfvf sfof{no ;~rfng gLlt, gub e'QmfgL lgb{]lzsf, ;DklQ z'l4s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb{]lzsf cflb tof/ u/L oyflz3| sfof{Gjog ug{x'g .

18

&= o; a}+ssf] O=k|f= lgb]{zg g+= !(-^_ adf]lhd hf]lvdsf cfwf/df u|fxsx?sf] juL{s/0f ug]{ Joj:yf ldnfpgx'g .

*= a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf !@ adf]lhdsf] Joj;flos ljz]if1 ;~rfns lgo'Qm ug{x'g .

(= o; a}ssf] O=k|f= lgb]{zg g+= $ sf] #-u_ adf]lhd ;+:yfn] ljqmLsf] nflu pknAw nufgLsf] b'O{ k|ltzt /sd nufgL ;dfof]hg sf]if sfod ug{'kg{]df ;f] gePsf] x'Fbf ?=#,!^ xhf/ nufgL ;dfof]hg sf]if sfod u/] kl5dfq ljQLo ljj/0f k|sfzg ug{x'g .

!)= cfGtl/s / jfXo n]vfk/LIfs tyf o; a}ssf] k"j{ :ynut / u}/:ynut lg/LIf0fsf] qmddf cf}+NofPsf cGo cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug'{x'g .

@=#@=#@=#@=# ds]{G6fOn kmfOgfG; sDkgL, aL/uGhds]{G6fOn kmfOgfG; sDkgL, aL/uGhds]{G6fOn kmfOgfG; sDkgL, aL/uGhds]{G6fOn kmfOgfG; sDkgL, aL/uGh

!= ;fwf/0f ;efaf6 :jLs[te} ;+rfns ;ldltsf ;b:ox?n] a'lemlng] u/]sf] a}7s eQf sDkgL /lhi6«f/ sfof{nodf clen]v u/fP/ dfq a'lemlng .

@= ;+rfns ;ldlt / ;fwf/0f ;efsf] lg0f{oaf6 k|jGw ;+rfnsn] aflif{s ?=&,@) xhf/ lnPsf] tna, eQf tyf ;'ljwf (Benefits) a}+s tyf laQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf @! adf]lhd ;+:yfsf] lgodfjlndf pNn]v u/L dfq lng] Joj:Yff ug{ .

#= shf{ ;"rgf s]Gb|nfO{ cfjlws ?kdf ;fv ;"rgf / sfnf];"rLdf k/]sf C0fLx?sf] hfgsf/L lbg .

$= o; a}+ssf] lgb]{zfg';f/ ;dfg'kflts k"FhL sfod x'g g;s]sf] xF'bf ldlt @)^&.!!.)@ df nfef+zdf /f]Ssf / lgIf]k ;+sngdf ?=$,$(,(),$($.!$ tyf shf{ nufgLdf ?=&,#@,@(,!#%.$^ df ga9\g] u/L nufOPsf] k|ltjGw adf]lhdg} ug{ .

%= o; a}+ssf] PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+ !) -&_ adf]lhd cWoIf tyf k|aGw ;+rfns cf]dk|sfz l;sl/of -c++z #&=% k|ltzt_ / ;+:yfks >L uf]kLs[i0f l;sl/of-c++z #&=% k|ltzt_n] wf/0f u/]sf] ;+:yfks z]o/ !% k|ltztsf] ;LdfeGbf j9L ePsf]df pQm z]o/ % jif{leq ljqmL ljt/0f u/L ;Ldfleq NofOg;s]sf] x'Fbf tf]lsPsf] ;Ldfleq sfod g/x];Dd gub nfef+z, af]gz z]o/ /f]Ssf /fVg / xsk|b z]o/df ;xefuL x'g aGb]h nufOPsf] Joxf]/f cjut ug{ .

^= a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)^# sf] bkmf !@ sf] pkbkmf-!_ cg'?k x'g] u/L ;+rfns ;ldlt u7g ug{ .

&= ;DklQ z'l¢s/0f tyf cft+safbL s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL O=k|f= lgb]{zg g+= !( sf] Joj:yfsf] kfngf ug{ .

*= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vfk/LIfsn] p7fPsf s}lkmotx? ;'wf/ u/L k'gM gbf]xf]l/g] Joj:yf ldnfpg .

@=$@=$@=$@=$ sf7df08f}+ kmfOgfG; sDkgL lnld6]8, l8NnLahf/, sf7df8f}+sf7df08f}+ kmfOgfG; sDkgL lnld6]8, l8NnLahf/, sf7df8f}+sf7df08f}+ kmfOgfG; sDkgL lnld6]8, l8NnLahf/, sf7df8f}+sf7df08f}+ kmfOgfG; sDkgL lnld6]8, l8NnLahf/, sf7df8f}+

!= shf{;+u ;DjlGwt cfjZos sfuhftx? lnP/ dfq shf{ k|jfx ug{ .

@= ;+:yfdf /x]sf] ;Dkltsf] lkmlhsn e]l/lkms]zg ug{ .

19

#= aif{sf] cGtdf d'Vo n]gf (Major Receivable) /sdsf] sGkm/d]zg lng .

$ lz3| ;'wf/fTds sf/jfxLdf k/]sf ljQLo ;+:yfx?;+u ldlt @)^( dfu{ !$ ut]];Dd lgIf]k :j?k afFls /x]sf] ?=@,$),@*,^%&.– oyflz3| lkmtf{ lng .

%= ;DklQ z'l¢s/0f tyf cft+safbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL O=k|f= lgb]{zg g+ !( sf] Joj:yfsf] kl/kfngf ug{ .

^= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vfk/LIfsn] p7fPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{ .

@=%@=%@=%@=% o'lgog kmfOgfG; lnld6]8o'lgog kmfOgfG; lnld6]8o'lgog kmfOgfG; lnld6]8o'lgog kmfOgfG; lnld6]8

!= ;+:yfsf] s'n lgIf]k /sd ?= !,)#,@),*@ xhf/ dWo] pRr Jofhb/ x'g] d'2tL vftfsf] /sd s'n lgIf]ksf] &@ k|ltzt cyf{t ?=&$,*^,^* xhf/ /x]sf]n] eljiodf ;+:yfsf] Jofh vr{ a9\g hfg] tyf sf]ifsf] nfut a9\g uO{ ;+:yfsf] d'gfkmfdf ;d]t c;/ kg{ ;Sg] b]lvPsf]n] pRr Jofhb/ x'g] lgIf]k qmdzM sd ug{ tyf lgIf]k vftfdf ljljlws/0f ug{ .

@= ;+:yfsf] cf=j @)^*÷^( sf] ;~rfng d'gfkmf tyf v'b d'gfkmfdf shf{ gf]S;fgL Joj:yfdf yk eO{ cl3Nnf] cfly{s jif{sf] t'ngfdf qmdzM $(=&# / ($=$* k|ltztsf] pRr sdL cfPsf]]n] ;+:yfsf] ;DklQsf] u'0f:t/ sdhf]/ /x]sf] b]lvPsf] ;Gbe{df shf{ u'0f:t/df ;'wf/ ug{ .

#= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf cIf/;M knfgf u/]/ dfq shf{ k|jfx ug{ .

$= ;DklQ ;'l¢s/0f tyf cft+safbL s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] Joj:yfsf] kl/kfngf ug{ .

%= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vf k/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=^̂̂̂ uf]/vf kmfOgfG; sDkgL lnld6]8uf]/vf kmfOgfG; sDkgL lnld6]8uf]/vf kmfOgfG; sDkgL lnld6]8uf]/vf kmfOgfG; sDkgL lnld6]8

!= cf=j @)^*÷^( df ;+:yfsf] r'Qmf k"FhL ?= ?=!&,!^,^& xhf/ sfod x'g' kg]{ b]lvPsf] . xfn ;+:yfsf] r'Qmf k"FhL ?=!^,)&,#( xhf/ sfod ePsf] / r'Qmf k"FhLdf u0fgf x'g] cGo >f]t C0ffTds /x]sf]n] r'Qmf k"FhL ;DaGwL o; a}+ssf] lgb]{zgsf] kfngf x'g g;Sg] cj:yf /x]sf]n] k"FhL j[l¢ ;DaGwdf k"FhL of]hgf k]z ug{ .

@= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf kfnfgf u/]/ dfq shf{ k|jfx ug{ .

#= ;DklQ ;'l¢s/0f tyf cft+safbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] Joj:yfsf] kl/kfngf ug{ .

$= shf{ juL{s/0f tyf shf{ gf]S;fgL Joj:yf sfod ubf{ PsLs[t lgb]{zg,@)^( sf] lgb]{zg g+ @ df ePsf] Joj:yfsf] kfngf ug{ .

%= 7'nf lgIf]stf{x?df /x]sf lgIf]k clws]Gb|Lt hf]lvd sd ug{ .

20

^= ;+:yfsf] lgis[o shf{ !$=** k|ltztn] pRr /x]sf]n] lgis[o shf{nfO{ o; a}+sn] tf]s]sf] ;Ldf leq sfod ug{ .

&= ;d'xut shf{sf] ljj/0f PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ # sf] a'Fbf g+ & adf]lhd tof/ u/L k]z ug{ .

*= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vfk/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=&&&& klZrdf~rn kmfOgfGklZrdf~rn kmfOgfGklZrdf~rn kmfOgfGklZrdf~rn kmfOgfG; sDkgL lnld6]8, a'6jn, ?kGb]xL; sDkgL lnld6]8, a'6jn, ?kGb]xL; sDkgL lnld6]8, a'6jn, ?kGb]xL; sDkgL lnld6]8, a'6jn, ?kGb]xL

!= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf kfngf u/]/ dfq shf{ k|jfx ug{ .


#= ;DklQ z'l¢s/0f tyf cft+safbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] Joj:yfsf] kl/kfngf ug{ .

$= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vfk/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=**** u'8ljn kmfOgfG; sDkgL lnld6]8u'8ljn kmfOgfG; sDkgL lnld6]8u'8ljn kmfOgfG; sDkgL lnld6]8u'8ljn kmfOgfG; sDkgL lnld6]8

!= shf{ ckn]vg gLlt o; a}+saf6 :jLs[t u/fP/ nfu' ug{ .

@= jf;nft aflx/sf] sf/f]af/ ;DaGwL gLlt th'{df u/L hfgsf/L lbg .

#= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf kfngf u/]/ shf{ k|jfx ug]{ ug{ .

$= cGo l/on :6]6 zLif{sdf PsLs[t lgb]{zg,@)^( sf] lgb]{zg g+ # sf] j'Fbf g+ !!sf] $-v_ n] tf]s]sf] ;Ldf eGbf a9L k|jfx ePsf] shf{nfO{ ;f]lx j'Fbf sf] $-u_ df tf]s]sf] ;dofjlwdf tf]s]sf] ;Ldf leq sfod ug{ .

%= ljkGg ju{ shf{sf] pkof]u ;DaGwdf PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !& sf] j'Fbf g+ !^ adf]lhd k|ult ljj/0f lng] ug{ .

^= ;DklQ ;'l¢s/0f tyf cft+safbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( adf]lhdsf] Joj:yfsf] kl/kfngf ug{ .

&= Psn u|fxs ;d"x shf{ ;DaGwL PsLs[t lgb]{zg,@)^( sf] lgb]{zg g+ # sf] & adf]lhdsf] ljj/0f tof/ u/L k]z ug{ .

*= :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vfk/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=(((( l;4fy{ kmfOgfG; sDkgL lnld6]8 e}/xjf, ?kGb]xLl;4fy{ kmfOgfG; sDkgL lnld6]8 e}/xjf, ?kGb]xLl;4fy{ kmfOgfG; sDkgL lnld6]8 e}/xjf, ?kGb]xLl;4fy{ kmfOgfG; sDkgL lnld6]8 e}/xjf, ?kGb]xL

!= o; a}+ssf] lgb]{zg cg'?k x'g]u/L shf{ gLlt cBfjlws ug{ .

21

@= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf kfngf u/]/ dfq shf{ k|jfx ug{ .

#= ;DklQ ;'l¢s/0f tyf cft+safbL s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] Joj:yfsf] kl/kfngf ug{ .

$= :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vf k/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=!)!)!)!) >L OGe]i6d]06 P08 kmfOgfG; s+= ln=>L OGe]i6d]06 P08 kmfOgfG; s+= ln=>L OGe]i6d]06 P08 kmfOgfG; s+= ln=>L OGe]i6d]06 P08 kmfOgfG; s+= ln=----ljQLo ;+:yf_ l8NnLahf/, sf7df8f}+ljQLo ;+:yf_ l8NnLahf/, sf7df8f}+ljQLo ;+:yf_ l8NnLahf/, sf7df8f}+ljQLo ;+:yf_ l8NnLahf/, sf7df8f}+

!= shf{ gLltdf pNn]v ePsf ;Dk"0f{ k|s[ofx? k'/f u/]/ dfq shf{ k|jfx ug{' x'g .

@= ljkGg ju{df k|jfx u/]sf shf{sf] ;b'kof]lutfsf] ;DaGwdf lgoldt ?kdf cg'udg ug'{ x'g .

#= % jif{ eGbf a9L cjlw ePsf v/fa shf{x? clgjfo{ ?kdf ckn]vg ug'{ x'g .

$= ;+:yfn] th'{df u/]sf shf{ gLlt, nufgL gLlt nufotsf gLlt tyf sfo{ljlw o; a}+ssf] lgb]{zg cg'?k x'g] u/L cBfjlws ug'{ x'g .

%= PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( adf]lhd ;DklQ z'4Ls/0f tyf cft+ÍjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ kl/kfngf ug'{x'g .

^= PsLs[t lgb]{zg,@)^( sf] lgb]{zg g+ !% sf] j'Fbf g+ # adf]lhd lgIf]kdf k|bfg ug]{ k|sflzt Aofhb/df z"Go bzdnj kfFr k|ltzt laGb';Dd dfq a9fpg ;Sg] Joj:yf ePsf]n] pQm Joj:yf ljk/Lt x'g] u/L lgIf]kdf Jofh k|bfg gug{' x'g .

&= ;+:yfn] ljleGg zLif{sx?df vr{ ubf{ cfly{s k|zf;g ;DaGwL ljlgoddf n]v]sf ;Dk'0f{ k|s[of k'/f u/]/ dfq vr{ ug'{ x'g .

*= cfGtl/s tyf afx\o n]vfk/LIfsn] cf}NofPsf s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug'{ x'g .

@=@=@=@=!!!!!!!! n'lDjgL kmfOgfG; P08 lnlh+Ë sDkgL lnld6]8n'lDjgL kmfOgfG; P08 lnlh+Ë sDkgL lnld6]8n'lDjgL kmfOgfG; P08 lnlh+Ë sDkgL lnld6]8n'lDjgL kmfOgfG; P08 lnlh+Ë sDkgL lnld6]8

!= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf cIf/;M knfgf u/]/ dfq shf{ k|jfx ug{ .


#= ;DklQ ;'l¢s/0f tyf cft+safbL s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] Joj:yfsf] cIf/zM kl/kfngf ug{ .

$= :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vf k/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=!@!@!@!@ otL kmfOgfG; lnld6]8otL kmfOgfG; lnld6]8otL kmfOgfG; lnld6]8otL kmfOgfG; lnld6]8

!= shf{ gLltdf pNn]v ePsf] ;Dk'0f{ k|s[of k'/f u/]/ dfq shf{ k|jfx ug]{ ug{ .

22

@= shf{ k|jfx ubf{ clgjfo{ ?kdf shf{ ;"rgf lng] ug{ .

#= jLdfsf] ;Ldf eGbf a9L /sd 9's'6Ldf g/fVg] ug{ .

$= PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( adf]lhd ;DklQ z'l¢s/0f tyf cft+safbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ kl/kfngf ug{ .

%= cfjZos k|s[of k'/f u/]/ dfq lwtf] d"NofÍgstf{sf] lgo'lQm ug{ .

^= n]vfk/LIf0f tyf o; a}+saf6 ul/Psf] :ynut / u}/ :ynut lg/LIf0fsf s|ddf lbOPsf lgb]{zgx? ;'wf/ ug{ .

&= u}x| :ynut ;'kl/j]If0faf6 otL kmfOgfG; lnld6]8sf ;+:yfks z]o/ wgL >L dgaxfb'/ /fO{ ;u/dfyf dr]{08 a}+lsË P08 kmfO{gfG; lnld6]8df ;d]t ;+:yfks z]o/ wgL /x]sf] b]lvPsf]n] o; a+}sjf6 hf/L Plss[t lgb]{zg, @)^( sf] lgb]{zg g+ !) sf] a'bf g+ & adf]lhdsf] Joj:yf kfngf ug{ .

*= ;+:yfsf] v/fa shf{sf] c+z ut jif{sf] t'ngfdf j[l¢ ePsf] b]lvPsf]n] v/fa shf{df lgoGq0f tyf shf{ u'0f:t/ ;'wf/ tkm{ Wofg lbg .

@=@=@=@=!#!#!#!# OG6/g]zgn lnlhË P08 kmfOgfG; sDkgL lnld6]8, goFf jfg]Zj/, sf7df8f}+OG6/g]zgn lnlhË P08 kmfOgfG; sDkgL lnld6]8, goFf jfg]Zj/, sf7df8f}+OG6/g]zgn lnlhË P08 kmfOgfG; sDkgL lnld6]8, goFf jfg]Zj/, sf7df8f}+OG6/g]zgn lnlhË P08 kmfOgfG; sDkgL lnld6]8, goFf jfg]Zj/, sf7df8f}+

!= hf]lvd Joj:yfkg gLltsf] th{'df u/L sfof{Gjogdf Nofpg'sf] ;fy} hf]lvd Joj:yfkg ;ldlt u7g u/L hfgsf/L lbg .

@= shf{ k|jfx ubf{ shf{ gLltdf pNn]v ePsf] ;j} k|s[of k'/f u/]/ dfq shf{ k|jfx ug]{ ug{ x'g .

#= ;DklQ z'l¢s/0f tyf cft+safbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL o; a}+ssf] lgb]{zg kfngf ug{ x'g .

$= a}+s tyf ljQLo ;+:yf ;DjGwL P]g @)^# sf] bkmf !@sf] pkbkmf -@_ cg';f/ Aoj;flos ljz]if1 ;~rfns lgo'Qm ug{ x'g .

%= v/fa shf{sf] c+z ut jif{sf] t'ngfdf j[l¢ ePsf] b]lvPsf]n] v/fa shf{df lgoGq0f tyf shf{ u'0f:t/ ;'wf/ tkm{ Wofg lbg x'g .

^= cfGtl/s tyf jfx\o n]vfk/LIfs nufot o; a}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/La]If0fn]] cf}+NofPsf s}lkmotx? oyflz3| ;'wf/ ug{ x'g .

@=@=@=@=!$!$!$!$ dxfnIdL kmfOgfG; lnld6]8 k'tnL;8s, sf7df8f}+dxfnIdL kmfOgfG; lnld6]8 k'tnL;8s, sf7df8f}+dxfnIdL kmfOgfG; lnld6]8 k'tnL;8s, sf7df8f}+dxfnIdL kmfOgfG; lnld6]8 k'tnL;8s, sf7df8f}+

!= k|rlnt sfg"g Pjd\ ;+:yfsf] shf{ gLltdf ePsf] Joj:yf cIf/zM kfngf u/]/ dfq shf{ k|jfx ug]{ ug{ .


#= ;DklQ ;'l¢s/0f tyf cft+safbL s[ofsnfkdf ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] Joj:yfsf] cIf/zM kl/kfngf ug{ .

$= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vf k/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

23

@=@=@=@=!%!%!%!% o'gfO6]8 kmfOgfG; lnld6]8 b/jf/dfu{ sf7df8f}+}+o'gfO6]8 kmfOgfG; lnld6]8 b/jf/dfu{ sf7df8f}+}+o'gfO6]8 kmfOgfG; lnld6]8 b/jf/dfu{ sf7df8f}+}+o'gfO6]8 kmfOgfG; lnld6]8 b/jf/dfu{ sf7df8f}+}+

!= ;+:yfsf] hf]lvd Joj:yfkg, dfkg tyf cg'udgsf] nflu hf]lvd Joj:yfkg gLlt tof/ ug'{x'g .

@= sDkgL P]g, @)^# sf] bkmf !*@-(_ adf]lhd % aif{;Dd e'QmfgLsf] nflu bfjL gk/]sf] nfef+z /sd nufgLstf{ ;+/If0f sf]if v8f u/L ;f] sf]ifdf hDdf ug]{ Joj:yf ug'{x'g .

#= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !% sf] j'Fbf g+= # cg';f/ % jif{eGbf a9L e'QmfgL cjlw ePsf] lgIf]kdf dfq u|fxs;Fusf] cfk;L ;xdltsf] cfwf/df Jofhb/ sfod ug{'x'g . ;fy}, k|sflzt Jofh b/ eGbf j9L b/df lgIf]k :jLsf/ gug{'x'g .

$= o; a}+sjf6 hf/L PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= ^ n] u/]sf] Joj:yf jdf]lhd n]vfk/LIf0f ;ldlt u7g u/L hfgsf/L lbg .

%= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0fsf ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=!^!^!^!^ gjb'uf{ kmfOgfG; sDkgL lnld6]8gjb'uf{ kmfOgfG; sDkgL lnld6]8gjb'uf{ kmfOgfG; sDkgL lnld6]8gjb'uf{ kmfOgfG; sDkgL lnld6]8

!= shf{ k|jfx ubf{ C0fLsf] cfo k|dfl0ft ug]{ sfuhft tyf n]vfk/LIf0f ePsf] ljQLo ljj/0fx? lnO{ ljZn]if0f ug]{, shf{ k|jfx k"j{ C0L / hdfgLstf{sf] shf{ ;"rgf nufot lwtf] /flvPsf] ;DklQsf] jLdf cjlw ;dfKt e};s]kl5 jLdf kf]lnl; ;dodfg} gjLs/0f ug]{ h:tf sfo{x?nfO{ clgjfo{ ?kdf sfofGjog ug{ .

@= o; a}+sn] tf]s]sf] l;dfleq x'g] u/L cGo l/on :6]6 shf{ l;df leq Nofpg' x'g / l;dfeGbf a9L ePsf] cGo l/on :6]6 shf{ ? !&,*% xhf/nfO{ hf]lvd efl/t ;DklQdf !%) k|ltzt ef/ lbP/ ljQLo ljj/0f ;dfof]hg ug'{x'g .

#= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug{ .

$= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{x'g .

@=@=@=@=!&!&!&!& hfgsL kmfOgfG; sDkgL lnld6]8hfgsL kmfOgfG; sDkgL lnld6]8hfgsL kmfOgfG; sDkgL lnld6]8hfgsL kmfOgfG; sDkgL lnld6]8

!= ljBdfg pRr lgis[o shf{ cg'kft -*=@* k|ltzt_ 36fpg cfjZos kxn ug'{x'g .

@= ;+:yfsf] Jofh d'NtjL lx;fadf ? &,)#,&( xhf/ /x]sf] b]lvPsf] x'bfF Jofh c;'nL tkm{ ljz]if Wofg lbgx'g .

#= ;+:yfdf cfpg ;Sg] shf{;DaGwL hf]lvd, ahf/ hf]lvd, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go'lgs/0f ug{ hf]lvd Joj:yfkg cfjZos gLlt tyf lgb]{lzsf th'{df ug'{x'g tyf ;ldlt u7g ug'{x'g .

$= ahf/df shf{ nufgLsf If]qx?sf] ;Lldttf, ;]o/ / 3/hUuf sf/f]af/df cfPsf] dGbL, ljlQo If]qdf a9\bf] k|lt:kwf{ cflbsf] ;fdgf ug{ ;+:yfn] cfjZos /0fgLlt tyf Jofj;flos of]hgf th'{df u/L sfof{Gjog ug'{x'g .

24

%= o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !& sf] j'Fbf g+ !$ adf]lhd ljkGg ju{ shf{ ;DaGwdf gLltut Pj+ k|s[ofut ?kdf cfˆgf] shf{ gLltdf :ki6 ?kdf pNn]v ug'{x'g .

^= shf{ k|jfx ubf{ hdfgLstf{sf] ljj/0f lng], shf kmfO{n Jojl:yt ug]{, C0fLsf] cfo k|dfl0ft ug]{ sfuhft tyf n]vfk/LIf0f ePsf] ljQLo ljj/0fx? lnO{ ljZn]if0f ug]{, shf{ k|jfx k"j{ C0.L / hdfgLstf{sf] shf{ ;"rgf nufot lwtf] /flvPsf] ;DklQsf] jLdf cjlw ;dfKt e};s]kl5 jLdf kf]ln;L ;dodg} gjLs/0f ug]{ h:tf sfo{x?nfO{ clgjfo{ ?kdf sfof{Gjog ug'{x'g .

&= o; a]+saf6 hf/L PsLs[t lgb]{zg, @)^( lgb]{zg g+ !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug'{x'g .

*= ;+:yfsf] sDKo'6/ ;ˆ6j]o/af6 cfjZos kg]{ ;"rgf tyf tYofÍx? pknAw u/fpg ;Sg] t'Nofpg / Joj:yfkg ;"rgf k|0ffnL ;'b[9 agfpg ;"rgf k|ljlw If]qdf cfjZos ;'wf/ ug'{x'g .

( ;+:yfut ;'zf;g sfod ug]{ tkm{ ljz]if Wofg lbgx'g .

!)= o; a}+saf6 hf/L PsLs[t lgb]{zg @)^( sf] lgb]{zg g+ * sf] j'Fbf g+ & sf] -5_ adf]lhd ;+:yfn] :jk|of]hgsf] nflu hUuf, ejg jf b'j} vl/b u/]sf] jf ejg lgdf{0f ;DkGg ePsf] ldltaf6 # jif{;Dd cfˆgf] k|of]udf gcfPdf ;f] a/fa/sf] /sd k|fylds k” FhL sf]if u0fgf ubf{ 36fpg' kg]{5 eGg] Joj:yf ePsf] / ;f]xL j'Fbfsf] -h_ df To:tf] hUuf, ejg jf b'j} cfˆgf] k|of]hgdf gcfpg] b]lvPdf ljqmL ug'{kg]{ 5 eGg] Joj:yf ePsf] Joxf]/f cjut ug'{ x'g .

!!= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{x'g .

@=@=@=@=!*!*!*!* kf]v/f kmfOgfG; lnld6]8kf]v/f kmfOgfG; lnld6]8kf]v/f kmfOgfG; lnld6]8kf]v/f kmfOgfG; lnld6]8

!= ljBdfg pRr lgis[o shf{ cg'kft -!)=*% k|ltzt_ 36fpg cfjZos kxn ug'{x'g .

@= o; a}+saf6 ldlt @)^(÷)#÷@) df ePsf] :ynut lg/LIf0fjf6 l/nfojn kmfO{gfG; lnld6]8sf cWoIf sfn' u'?Ësf] ;f] ;+:yfdf !!=$) k|ltzt ;+:Yffks z]o/ /x]sf] cj:yfdf o; ;+:yfdf klg ^=%* k|ltzt ;+:yfks z]o/ sfod /x]sf] kfOPsf]n] o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( lgb]{zg g++=!) sf] a'Fbf & df pNn]lvt Joj:yf adf]lhd s'g} Ps a}+s tyf ljQLo ;+:yfdf a9Ldf !% k|ltzt;Dd / cGo a}+s tyf ljQLo ;+:yfx?df a9Ldf ! k|ltzt;Ddsf] ;+:yfks z]o/ sfod ug'{x'g .

#= l:y/ ;DklQsf] ef}lts k/LIf0f ;fy} l:y/ ;DklQsf] /lhi6«/ cBfjlws ug{'x'\g .

$= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go"lgs/0f ug{ hf]lvd Joj:yfkg cfjZos gLlt tyf lgb]{lzsf th'{df ug{ tyf ;ldlt u7g ug'{x'g .

%= C0fLsf] cfo >f]t k'i6L ug]{ sfuhft lng] ug{ ;fy} C0fLsf] shf{ ltg{ ;Sg] Ifdtf Pj+ shf{;b'kof]lutfsf] ljZn]if0f ug{x'g .

^= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyflzw| ;'wf/ ug'{x'g .

25

@=@=@=@=!(!(!(!( lk|ldo/ kmfOgfG; sDkgL lnld6]8, s'df/Lkf6L, nlntk'/lk|ldo/ kmfOgfG; sDkgL lnld6]8, s'df/Lkf6L, nlntk'/lk|ldo/ kmfOgfG; sDkgL lnld6]8, s'df/Lkf6L, nlntk'/lk|ldo/ kmfOgfG; sDkgL lnld6]8, s'df/Lkf6L, nlntk'/

!= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= @@ sf] a'Fbf g++= # adf]lhd ;dfg'kflts ?kdf k"FhL a[l4 ug'{x'g .

@= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !& sf] a'Fbf g++= ! adf]lhd ljkGg ju{df shf{ k|jfx ug'{x'g .

#= o; a}+saf6 hf/L PsLs[t lgb]{zg @)^( sf] lgb]{zg g+ % sf] j'Fbf g+ @-%_ adf]lhd ;+:yfsf] ljQLo ;|f]t kl/rfng -:jb]zL d'b|fdf ePsf] lgIf]k tyf k|fylds k"FhL_ df :jb]zL d'b|fdf ePsf] shf{ k|jfx l;df leq Nofpg' x'g .

$= shf{ k|jfx ubf{ C0fLsf] cfo k|dfl0ft ug]{ sfuhft tyf n]vfk/LIf0f ePsf] ljQLo ljj/0fx? lnO{ ljZn]if0f ug]{, shf{ k|jfx k"j{ C0L / hdfgLstf{sf] shf{ ;"rgf nufot lwtf] /flvPsf] ;DklQsf] jLdf cjlw ;dfKt e};s]kl5 jLdf kf]lnl; ;dodfg} gjLs/0f ug]{ h:tf sfo{x?nfO{ clgjfo{ ?kdf sfofGjog ug{ .

%= o; a}+sn] tf]s]sf] l;dfleq x'g] u/L cGo l/on :6]6 shf{ l;df leq Nofpg' x'g / l;dfeGbf a9L ePsf] cGo l/on :6]6 shf{ ? @,!$,&* xhf/nfO{ hf]lvd efl/t ;DklQdf !%) k|ltzt ef/ lbP/ ljQLo ljj/0f ;dfof]hg ug'{x'g .

^= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug{sf] nflu pRr Joj:yfkgnfO{ Wofgfsif{0f u/fOPsf] Joxf]/f cjut ug{x'g .

&= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{x'g .

@=@=@=@=@)@)@)@) dN6Lk/k; lkmgfG; sDkgL lnld6]8 /fhlj/fh, ;Kt/LdN6Lk/k; lkmgfG; sDkgL lnld6]8 /fhlj/fh, ;Kt/LdN6Lk/k; lkmgfG; sDkgL lnld6]8 /fhlj/fh, ;Kt/LdN6Lk/k; lkmgfG; sDkgL lnld6]8 /fhlj/fh, ;Kt/L

!= ljBdfg pRr lgis[o shf{ cg'kft -!$=)! k|ltzt_ 36fpg cfjZos kxn ug'{x'g .

@= shf{ k|jfx ubf{ C0fLsf] cfo k|dfl0ft ug]{ sfuhft tyf n]vfk/LIf0f ePsf] ljQLo ljj/0fx? lnO{ ljZn]if0f ug]{, shf{ k|jfx k"j{ C0fL / hdfgLstf{sf] shf{ ;"rgf nufot lwtf] /flvPsf] ;DklQsf] jLdf cjlw ;dfKt e};s]kl5 jLdf kf]lnl; ;dodf g} gjLs/0f ug]{ h:tf sfo{x?nfO{ clgjfo{ ?kdf sfof{Gjog ug{x'g .

#= n]vfk/LIf0f ;ldlt / cfGtl/s n]vfk/LIfssf] sfo{ k|efjsf/L agfpg] Joj:yf u/L cfGtl/s lgoGq0f k|0ffnL k|efjsf/L agfpg x'g .

$= ;+:yfdf cfpg ;Sg] sh{f, ahf/, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go'gLs/0f ug{ hf]lvd Joj:yfkg ;DaGwL gLlt tyf lgb]{lzsf th'{df ug'{x'g tyf ;ldlt u7g ug'{x'g .

%= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug{sf] nflu pRr Joj:yfkgsf] Wofgfsif{0f u/fOPsf] Joxf]/f cjut ug{x'g .

26

^= ;+:yfsf] CCD Ratio @)^( cfiff9 d;fGtdf tf]lsP adf]lhd *) k|ltztsf] ;Ldfleq /xg' kg]{df ((=%* k|ltzt /x]sf]n] lgb]{zg adf]lhdsf] ;Ldfleq Nofpg cfjZos Joj:yf ldnfpg x'g .

&= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !& sf] a'Fbf g++= ! adf]lhd ljkGg ju{df shf{ k|jfx ug'{x'g .

*= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{x'g .

@=@=@=@=@!@!@!@! l;ghL{ l;ghL{ l;ghL{ l;ghL{ ----j'6jn_ kmfOgfG; lnld6]j'6jn_ kmfOgfG; lnld6]j'6jn_ kmfOgfG; lnld6]j'6jn_ kmfOgfG; lnld6]8, j'6jn, ?kGb]xL8, j'6jn, ?kGb]xL8, j'6jn, ?kGb]xL8, j'6jn, ?kGb]xL

----s_s_s_s_ ;LPdaL kmfOgfG; lnld6]8;LPdaL kmfOgfG; lnld6]8;LPdaL kmfOgfG; lnld6]8;LPdaL kmfOgfG; lnld6]8

!= ;+:yfdf v/fa shf{sf] cg'kft pRr /x]sf]n] ;f] cg'kftnfO{ :jLsf/of]Uo txdf emfg{ cfjZos /0fgLlt tof/ u/L nfu' ug{ .

@= hf]lvd Joj:Yfkg ;ldlt lgdf{0f u/L shf{, ;~rfng, t/ntf / ahf/ nufotsf hf]lvdx?sf] Joj:yfkg ug{ .

#= o; a}+ssf] PsLs[t lgb]{zg @)^( sf] g+ *-#_! adf]lhd Nepal Clearing House Limited df u/]sf] nufgLnfO{ n]vf+sg ug{ .

$= v/fa C0fLnfO{ o; a}+ssf] lgb]{zg g+ !@ sf] !)=#-`_ adf]lhd sfnf] ;"rLdf ;dfa]z ug{ .

%= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'g: gbf]xf]l/g] u/L ;'wf/ ug{ .

----v_v_v_v_ PlNks Pe/]i6 kmfOgfG; sDkgL lnld6]8, ;'Gwf/f, sf7df08f}+PlNks Pe/]i6 kmfOgfG; sDkgL lnld6]8, ;'Gwf/f, sf7df08f}+PlNks Pe/]i6 kmfOgfG; sDkgL lnld6]8, ;'Gwf/f, sf7df08f}+PlNks Pe/]i6 kmfOgfG; sDkgL lnld6]8, ;'Gwf/f, sf7df08f}+

!= l:y/ ;DklQsf] ef}lts k/LIf0f ;fy} l:y/ ;DklQsf] /lhi6«/ cBfjlws ug{ x'\g .

@= C0fLsf] cfo >f]t k'i6L ug]{ sfuhft lng] ug{ ;fy} C0fLsf] shf{ ltg{ ;Sg] Ifdtf Pj+ shf{ ;b'kof]lutfsf] ljZn]if0f ug{ x'g .

#= ;+:yfn] th'{df u/]sf] If]qut shf{ clws]Gb|Ls/0f cg'udg ;DaGwL k|s[of tyf ljlgod ;+rfns ;ldltaf6 :jLs[t eP kZrft dfq nfu' ug{ x'g .

$= o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+=–^ df ePsf] Joj:yf cg';f/ ;+rfnsx?sf] btf{÷nut lstfa tof/ ug{ x'g .

%= o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+=–* sf] a'Fbf g+= % df ePsf] Joj:yf cg';f/ nufgL] k'g/fjnf]sg ;DaGwL cfjZos Joj:yf ug{ x'g .

^= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyflzw| ;'wf/ ug'{ x'g .

27

----u_ u_ u_ u_ >L >L >L >L a'6jn kmfOgfG; lnld6]8, a'6jn kmfOgfG; lnld6]8, a'6jn kmfOgfG; lnld6]8, a'6jn kmfOgfG; lnld6]8, a'6jn, ?kGb]xL .a'6jn, ?kGb]xL .a'6jn, ?kGb]xL .a'6jn, ?kGb]xL .

!= ;DklQ tyf bfloTj Joj:yfkg gLlt, Joj:yfkg ;"rgf k|0ffnL ;DaGwL gLlt, hf]lvd Joj:yfkg ;DaGwL gLlt, ljkGg ju{ shf{ ;DjlGw gLlt, jf;nft jflx/sf] sf/f]jf/ (Off Balance Sheet) ;DaGwL gLlt lgb]{lzsf th'{df u/L nfu" ug{'x'g .

@= shf{ k|jfx ug'{ k"j{ C0fLsf] shf{ ltg{ ;Sg] Ifdtf / kl/of]hgfsf] ;+efJotf ljZn]if0f tyf shf{ k|jfx kZrft shf{ ;b'kof]lutfsf] cg'udg ug{'x'g .

#= shf{ k|jfx÷gljs/0f ug'{ k"j{ lwtf] d"Nof+sg k|ltj]bg, lwtf] /x]sf] ;DklQsf] aLdfsf] sfuhft, hUufsf] lkmN8 a's ptf/, rf/ lsNnf ljj/0f, dfnkf]t lt/]sf] /l;b, cfo>f]t k'i6L ug]{ sfuhft, shf{ k'g;{+/rgf tyf k'gtf{lnsLs/0f / gjLs/0f ubf{ shf{ ;"rfgf ;DaGwL sufhft h:tf cfjZos k|df0fx? lng'x'g .

$= ;+:yfut ;'zf;g ;DaGwL k|fjwfgsf] kfngfdf ljz]if Wofg lbg'x'g .

%= :ynut, u}/ :ynut lg/LIf0f, n]vf kl/Ifsn] cf}+NofPsf s}lkmot tyf lgb]{zgx?sf] kfngf ug{ tyf gbf]xf]¥ofpg'x'g .

@=@=@=@=@@@@@@@@ ;[hgf kmfOgfG; lnld6]8;[hgf kmfOgfG; lnld6]8;[hgf kmfOgfG; lnld6]8;[hgf kmfOgfG; lnld6]8

!= ;+:yfn] shf{ k|jfx ubf{ C0fLsf] cfo >f]t v'Ng] k|df0f, shf{ ;"rgf, kmd{ btf{, Kofg gDa/, ljQLo ljj/0f lng / kl/of]hgf lg/LIf0f, C0fLsf] shf{ ltg{ ;Sg] Ifdtf Pj+ kl/of]hgf ;+efJotf ljZn]if0f ug'{x'g ;fy} shf{ k|jfx ug'{k'j{ C0fLnfO{ ckm/ n]6/ lbg'x'g .

@= ;+:yfsf] shf{ gLlt tyf ljlgoddf shf{sf] lwtf]df /xg] ;DklQsf] d"Nof+sg k|s[of -;/sf/L, ahf/ d"No / Distress Value sf] k|ltzt lgwf{/0f_ :ki6 pNn]v ug{ x'g ;fy} ;+:yfn] ;DklQ tyf lwtf] d"Nof°g ug]{ k|of]hgsf] nflu d"Nof°gstf{sf] ;"rL tof/ agfO d"Nof°gstf{;+u cfjZos s/f/ jf ;Demf}tf u/L sfg'gL k|s[of k'/f u/]/ dfq lwtf] d'Nof°g sfo{ u/fpgx'g .

#= n]vfk/LIf0f ;ldltsf] sfd, st{Ao / lhDd]jf/L ;DaGwL ljBdfg sDkgL P]g, @)^# / o; a}+saf6 hf/L PsLs[t lgb]{zgdf ePsf] Joj:yf adf]lhd n]vfk/LIf0f ;ldltsf] e"ldsf k|efjsf/L agfpg cfjZos Joj:yf ug'{x'g .

$= ;+:yfn] sfof{no k|of]hgsf] nflu cfjZos ;fdfgx? vl/b ubf{ cfly{s k|zf;g ljlgodfjnLdf pNn]lvt k|s[ofx?sf] k'0f{ kfngf ug{x'g .

%= sDkgL P]g, @)^# sf] bkmf %& n] cbfntsf] :jLs[lt lnP/ dfq k|aGwkq tyf lgodfjnLdf cfjZos ;+zf]wg u/L z]o/ k"FhL 36fpg ;Sg] Joj:yf u/]sf] x'Fbf lgodfg';f/ sDkgL /lhi6«f/sf] sfof{noaf6 ;+zf]lwt k"FhL tyf sfo{ If]q cg';f/ x'g] u/L k|aGwkq tyf lgodfjnLdf oyflzw| ;+zf]wg ug{x'g .

^= o; a}+ssf] ldlt @)^*÷!@÷)* sf] kqfg';f/ To; ;+:yfsf] sfo{If]q /fli6«o:t/af6 36fO{ !–# lhNnf -df]/ª, ;'g;/L / ;Kt/L_ sfod u/L ldlt @)&) cfiff9 d;fGt;Dd Go'gtd k"FhL ?= !) s/f]8 k'/\ofpg] ;t{ ;lxt ;ª\s'rg ug{ :jLs[lt k|bfg u/]sf] x'Fbf ;f]lx adf]lhd kF'hL k'/\ofpgx'g .

28

&= lgIf]k lx;fatkm{ JolQmut / ;+:yfut lgIf]k 5'6\ofO{ ;+:yfsf] ljQLo ljj/0f agfpg'x'g .

*= jLdf ul/Psf] ;Ldf eGbf a9L gub /sd 9's'6Ldf g/fVg x'g / Sof; Og 6«flGh6 /lhi6/ v8f u/L k|of]udf Nofpgx'g .

(= o; a}+ssf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL gLltut Joj:yf ug{ x'g / KYC kmd{ tof/ u/L k|of]udf Nofpg] Joj:yf ug{x'g .

!) cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyflzw| ;'wf/ ug'{x'g .

@=@=@=@=@#@#@#@# cf]d kmfOgfG; lnld6]8cf]d kmfOgfG; lnld6]8cf]d kmfOgfG; lnld6]8cf]d kmfOgfG; lnld6]8

!= o; a}+saf6 hf/L Plss[t lgb]{zg, @)^* sf] lgb]{zg g+= ^ sf] a'Fbf g+= ^ -v_ ljk/Lt x'g] u/L ;'o{ axfb'/ s]=l;= / lghsf] kTgL >Ldlt k|]d s'df/L s]=l;= tyf lgh;+u ;DalGwt ;d"xnfO{ k|jfx ePsf] shf{ ?= &,*%,)( xhf/ c;'n pk/ ug'{x'g .

@= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go'lgs/0f ug{ hf]lvd Joj:yfkg cfjZos gLlt tyf lgb]{lzsf th'{df ug'{ x'g .

#= ahf/df shf{ nufgLsf If]qx?sf] ;Lldttf, ;]o/ / 3/hUuf sf/f]af/df cfPsf] dGbL, ljlQo If]qdf a9\bf] k|lt:kwf{ cflbsf] ;fdgf ug{ ;+:yfn] cfjZos /0fgLlt tyf Jofj;flos of]hgf th'{df u/L sfof{Gjog ug'{x'g .

$= o; a}+saf6 hf/L Plss[t lgb]{zg, @)^* tyf ;do ;dodf hf/L ul/Psf kl/kqx?df ePsf] Joj:yf cg'?k x'g] u/L ;+:yfsf] ljBdfg shf{ gLlt, @)^% nfO{ kl/dfh{g ug'{x'g .

%= l:y/ ;DklQ vl/b ;DaGwdf ;+:yfsf] cfly{s k|zf;g ljlgodfjnLn] tf]s]sf k|s[of / ;t{x?sf] k'0f{ kfngf ug]{ ug{'x'g .

^= sDKo'6/ l;:6ddf b]lvPsf] ;d:ofnfO{ oyflzw| ;'wf/ u/L Interest Suspense / Accrual Interest sf] km/s /sd lx;fa ldnfg ug{'x'g .

&= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyflzw| ;'wf/ ug'{x'g .

@=@=@=@=@$@$@$@$ Soflk6n dSoflk6n dSoflk6n dSoflk6n dr]{G6r]{G6r]{G6r]{G6 a}ls+a}ls+a}ls+a}ls+u P08 kmfOgfG;, alQ;k'tnL, sf7df8f}+u P08 kmfOgfG;, alQ;k'tnL, sf7df8f}+u P08 kmfOgfG;, alQ;k'tnL, sf7df8f}+u P08 kmfOgfG;, alQ;k'tnL, sf7df8f}+

!= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg g+= ! cg'?k ;+:yfsf] kF"hLsf]if k'/f ug'{x'g .

@= clgjfo{ gub df}Hbft ;DaGwL o; a}+ssf] lgb]{zgsf] kfngf ug'{x'g .

#= o; a}+ssf] lgb]{zg cg'?k a}wflgs t/ntf cg'kft sfod ug'{x'g .

$= n]vfk/LIf0f ;ldlt / cfGtl/s n]vfk/LIfssf] sfo{ k|efjsf/L agfpg] Joj:yf u/L cfGtl/s lgoGq0f k|0ffnL k|efjsf/L agfpg x'g .

29

%= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+=!& sf] a'Fbf ! cg';f/ ljkGg ju{df shf{ k|jfx ug{x'g .

^= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0fsf ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{x'g .

@=@=@=@=@%@%@%@% /f]on dr]{06 P08 /f]on dr]{06 P08 /f]on dr]{06 P08 /f]on dr]{06 P08 kkkkkkkkmmmmmmmmffffffffOOOOOOOOggggggggffffffffGGGGGGGG;;;;;;;; ssssssssDDDDDDDDkkkkkkkkggggggggLLLLLLLL llllllllnnnnnnnnlllllllldddddddd66666666]]]]]] ]]88888888

!= cl3Nnf] cfly{s aif{sf] t'ngfdf o; cfly{s aif{df lgis[o shf{ a9]sf] b]lvPsf]n] lgis[o shf{ 36fpg] tkm{ cfjZos kxn ug{ x'g .

@= cGo l/on:6]6 tkm{ ePsf] clws shf{ k|jfxnfO{ a}+såf/f hf/L Plss[t lgb]{zg, @)^( sf] lgb]{zg g+=# sf] !! -$_ n] tf]s] adf]lhd cfjZos ;Ldf leq Nofpg] Joj:yf ug{ x'g .

#= ;+:yfn] :jk|of]hgsf] nflu vl/b u/]sf] nflhDkf6 l:yt hUufsf] ;Gbe{df o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= * sf] j'Fbf g+ & sf] -5_ adf]lhd cfjZos Joj:yf ug{ x'g .

$= ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:Yff kfngf ug]{ ;DaGwdf cfjZos gLlt÷k|lqmof th'{df ug{ x'g .

%= ;+:yfdf ! hgf Joj;flos ;~rfns lgo'QmL ug]{ ;DaGwdf a}+s tyf ljQLo ;+:yf ;DjlGw P]g, @)^# sf] bkmf !@ -@_ sf] kfngf ug{ x'g .

^= ljut nfdf] ;do b]lvsf] Unclaimed Dividend nfO{ lgodfg';f/ /fkm;fkm ug{ x'g .

&= a}+såf/f hf/L Plss[t lgb]{zg, @)^( sf] lgb]{zg g+= # sf] !-!_ adf]lhd Psn u|fxs shf{ ;Ldf ga9\g] u/L shf{ ;Ldf ;'ljwf k|bfg ug{ x'g .

*= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgdf cf}+NofOPsf cGo s}lkmotx? oyflz3| ;'wf/ ug'{ x'g .

(= k|:tfljt gub nfefFz tyf af]g; z]o/ jfktsf] /sdnfO{ ;DalGwt cfly{s jif{sf] ljQLo ljj/0fdf ;l~rt d'gfkmfdf ;dfof]hg u/L] ljQLo ljj/0f k|sfzg ug'{ x'g .

@=@=@=@=@^@^@^@^ u'XØ]Zj/L dr]{06 a}lsª P08 kmfOgfG; sDkgL lnld6u'XØ]Zj/L dr]{06 a}lsª P08 kmfOgfG; sDkgL lnld6u'XØ]Zj/L dr]{06 a}lsª P08 kmfOgfG; sDkgL lnld6u'XØ]Zj/L dr]{06 a}lsª P08 kmfOgfG; sDkgL lnld6]8]8]8]8

!= shf{ k|jfx ubf{ shf{ gLltdf pNn]v ePsf] ;Dk'0f{ k|s[of k'/f u/]/ dfq shf{ k|jfx ug'{ x'g .

@= o; a}+sn] tf]s]sf] l;dfleq x'g] u/L cGo l/on :6]6 shf{ l;df leq Nofpg' x'g . / l;dfeGbf a9L ePsf] cGo l/on :6]6 shf{ ? #@,*) xhf/nfO{ hf]lvd efl/t ;DklQdf !%) k|ltzt ef/ lbP/ ljQLo ljj/0f ;dfof]hg ug'{x'g .

# ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go"lgs/0f ug{ hf]lvd Joj:yfkg cfjZos gLlt tyf lgb]{lzsf th'{df ug{ tyf ;ldlt u7g ug'{x'g .

$ cf]=l8=-Overdraft_ k|s[ltsf shf{x? k|jfx gug{x'g .

30

% o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug{ .

^ shf{sf] ;'/If0fsf] ?kdf lnOg] lwtf]sf] ;+:yfaf6 ul/g] cfGtl/s lwtf] d"Nof+sg k|ltj]bgdf lwtf]sf] lj:t[t ljj/0f pNn]v ug'{x'g tyf afXo lwtf] d"Nof+sgstf{n] u/]sf] d"Nof+sg;Fu Cross check x'g] u/L ;+:yfaf6 cfGtl/s d"Nof+sg ug]{ Joj:yf ug'{x'g .

&= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{x'g .

@=@=@=@=@&@&@&@& km]jf kmfO{gfG; lnld6]8km]jf kmfO{gfG; lnld6]8km]jf kmfO{gfG; lnld6]8km]jf kmfO{gfG; lnld6]8

!= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go"lgs/0f ug{ hf]lvd Joj:yfkg cfjZos gLlt tyf lgb]{lzsf th'{df ug{ tyf ;ldlt u7g ug'{x'g .

@= C0fLsf] cfo >f]t k'i6L ug]{ sfuhft lng] ug{ ;fy} C0fLsf] shf{ ltg{ ;Sg] Ifdtf Pj+ shf{ ;b'kof]lutfsf] ljZn]if0f ug x'g .

#= ahf/df shf{ nufgLsf If]qx?sf] ;Lldttf, ;]o/ / 3/hUuf sf/f]af/df cfPsf] dGbL, ljQLo If]qdf a9\bf] k|lt:kwf{ cflbsf] ;fdgf ug{ ;+:yfn] cfjZos /0fgLlt tyf Jofj;flos of]hgf th'{df u/L sfof{Gjog ug'{x'g .

$= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug{ .

%= Jofhb/ ;DjGwdf o; a}+sjf6 hf/L PsLs[t lgb]{zg,@)^( sf] lgb]{zg g+= !% kfngf ug{'x'g .

^= ;+:yfut ;'zf;g sfod ug]{ tkm{ ljz]if Wofg lbgx'g .

&= a}s tyf ljQLo ;+:yf ;DjGwL P]g @)^# sf] bkmf !@ sf] pkbkmf @ cg';f/ Ps hgf Joj;flos ;+rfns lgo'Qm ug'{x'g .

*= o; a}+saf6 hf/L Plss[t lgb]{zg, @)^( tyf ;do ;dodf hf/L ul/Psf kl/kqx?df ePsf] Joj:yf cg'?k x'g] u/L ;+:yfsf] ljBdfg shf{ gLlt, @)^# nfO{ kl/dfh{g ug'{x'g .

(= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{x'g .

@=@=@=@=@*@*@*@* Pe/]i6 kmfOgfG; lnld6]8, l;4fy{gu/, ?kGb]xLPe/]i6 kmfOgfG; lnld6]8, l;4fy{gu/, ?kGb]xLPe/]i6 kmfOgfG; lnld6]8, l;4fy{gu/, ?kGb]xLPe/]i6 kmfOgfG; lnld6]8, l;4fy{gu/, ?kGb]xL

!= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go"lgs/0f ug{ hf]lvd Joj:yfkg cfjZos gLlt tyf lgb]{lzsf th'{df ug{ tyf ;ldlt u7g ug'{x'g .

@= C0fLsf] cfo >f]t k'i6L ug]{ sfuhft lng] ug{ ;fy} C0fLsf] shf{ ltg{ ;Sg] Ifdtf Pj+ shf{ ;b'kof]lutfsf] ljZn]if0f ug{x'g .

31

#= ahf/df shf{ nufgLsf If]qx?sf] ;Lldttf, z]o/ / 3/hUuf sf/f]af/df cfPsf] dGbL, ljQLo If]qdf a9\bf] k|lt:kwf{ cflbsf] ;fdgf ug{ ;+:yfn] cfjZos /0fgLlt tyf Jofj;flos of]hgf th'{df u/L sfof{Gjog ug'{x'g .

$= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyfcft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug{ .

% l:y/ ;DklQsf] ef}lts k/LIf0f ;fy} l:y/ ;DklQsf] /lhi6/ cBfjlws ug{x'\g .

^= nfdf] ;do b]lv ;08«Ldf /x]sf] /sdsf] lx;fj ldnfg ug'{x'g .

&= o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( tyf ;do ;dodf hf/L ul/Psf kl/kqx?df ePsf] Joj:yf cg'?k x'g] u/L ;+:yfsf] ljBdfg shf{ gLltnfO{ kl/dfh{g ug'{x'g .

*= cGo l/on :6]6 zLif{sdf tf]lsPsf] ;LdfeGbf a9L k|jfx ePsf] shf{ ?=%,$&,#) xhf/nfO{ !%) ef/ lbO{ ;+zf]lwt ljQLo ljj/0f k|sfzg ug'{x'g .

(= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'k/Lj]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{ x'g .

@=@=@=@=@(@(@(@( k|'8]G;Lon kmfOgfG; sDkgL lnld6]8, l8NnLahf/k|'8]G;Lon kmfOgfG; sDkgL lnld6]8, l8NnLahf/k|'8]G;Lon kmfOgfG; sDkgL lnld6]8, l8NnLahf/k|'8]G;Lon kmfOgfG; sDkgL lnld6]8, l8NnLahf/

!= Go'gtd k” FhL sf]if ;DaGwL o; a}+saf6 hf/L lgb]{zg, @)^( sf] lgb]{zg g+= ! sf] a'Fbf g+= ! adf]lhd Go'gtd k|fylds k” FhL / k” FhL sf]if cg'kft sfod ug]{ ug'{x'g .

@= o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= ^ df ePsf] ;+:yfut ;'zf;g ;DaGwL lgb]{zgsf] k'0f{ ?kdf kfngf ug{x'g .

#= hf]lvd Joj:yfkg ;ldlt u7g ug'{x'g tyf jf;nft aflx/sf sf/f]af/ ;DaGwL gLlt, ahf/ / t/ntf hf]lvd Joj:yfkg ;DaGwL gLlt th'{df ug{x'g .

$= n]vfk/LIf0f ;ldltsf] sfd, sf/jfxLnfO{ Jojl:yt Pj+ k|efjsf/L agfpg cfjZos gLlt Pj+ sfo{ljlw th'{df ug{x'g .

%= lglb{i6 ;dodf jflif{s ;fwf/0f;ef ;DkGg ug]{ ug{x'g .

^= @)^( cfiff9 d;fGtdf cGo l/on :6]6 shf{ lzif{sdf s'n shf{sf] !) k|ltzt eGbf a9L shf{ k|jfx ePsf] x'Fbf o; a}+saf6 hf/L] PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+ # sf] !!-$_ df tf]lsPsf] ;Ldfleq x'g] u/L shf{ k|jfx ug{x'g .

&= cfly{s aif{ @)^*÷^( df Pp6} u|fxs tyf cfk;L ;DaGw ePsf u|fxsx?sf] ;d"xnfO{ tf]lsPsf] ;Ldf eGbf a9L shf{ k|jfx ePsf] b]lvPsf]n] o; a}+saf6 hf/L] PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+ # sf] !-!_ df tf]lsPsf] Joj:yfsf] k'0f{ kfngf ug{x'g .

*= o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( sf] Joj:yf adf]lhd ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL gLlut Joj:yf ug{x'g .

(= shf{ k|jfx ubf{ C0fLsf] cfo >f]t v'Ng] k|df0f, ljQLo ljj/0f lng / kl/of]hgf lg/LIf0f, C0fLsf] shf{ ltg{ ;Sg] Ifdtf Pj+ kl/of]hgf ;+efJotf ljZn]if0f ug{x'g .

32

!)=cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{ x'g .

@=@=@=@=#)#)#)#) cfO=l;=Pkm=l; kmfOgfG; lnld6]8cfO=l;=Pkm=l; kmfOgfG; lnld6]8cfO=l;=Pkm=l; kmfOgfG; lnld6]8cfO=l;=Pkm=l; kmfOgfG; lnld6]8

!= hg/n OG:of]/]G; sDkgL ln=sf] ;+:yfks z]o/df u/]sf] nufgL ?=!)) xhf/, pQm sDkgL ;+rfngdf gcfPsf]n] c;'n pk/ ug{x'g .

@= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;+rfng, Aofh b/ / t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go'lgs/0f ug{ hf]lvd Joj:yfkg cfjZos gLlt tyf lgb]{lzsf th'{df u/L tyf ;ldlt u7g u/L sfof{Gog ug'{x'g .

#= ahf/df shf{ nufgLsf If]qx?sf] ;Lldttf, ;]o/ / 3/hUuf sf/f]af/df cfPsf] dGbL, ljlQo If]qdf a9\bf] k|lt:kwf{ cflbsf] ;fdgf ug{ ;+:yfn] cfjZos /0fgLlt tyf Jofj;flos of]hgf th'{df u/L sfof{Gjog ug'{x'g .

$= o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( tyf ;do ;dodf hf/L ul/Psf kl/kqx?df ePsf] Joj:yf cg'?k x'g] u/L ;+:yfsf] ljBdfg shf{ gLlt, @)^^ nfO{ kl/dfh{g ug'{x'g .

%= shf{ k|jfx ubf{ hdfgLstf{sf] gful/stfsf] k|ltlnlk / kmf]6f] lng], shf kmfO{n Jojl:yt ug]{, C0fLsf] cfo k|dfl0ft ug]{ sfuhft tyf n]vfk/LIf0f ePsf] ljQLo ljj/0fx? lnO{ ljZn]if0f ug]{, shf{ k|jfx k"j{ C0fL / hdfgLstf{sf] shf{ ;"rgf nufot lwtf] /flvPsf] ;DklQsf] jLdf cjlw ;dfKt e};s]kl5 jLdf kf]ln;L ;dodf g} gjLs/0f ug]{ h:tf sfo{x?nfO{ clgjfo{ ?kdf sfof{Gjog ug{x'g .

^= shf{sf] ;'/If0fsf] ?kdf lnOg] lwtf]sf] ;+:yfaf6 ul/g] cfGtl/s lwtf] d"Nof+sg k|ltj]bgdf lwtf]sf] lj:t[t ljj/0f pNn]v ug'{x'g tyf afXo lwtf] d"Nof+sgstf{n] u/]sf] d"Nof+sg;Fu Cross check x'g] u/L ;+:yfaf6 cfGtl/s d"Nof+sg ug]{ Joj:yf ug'{x'g .

&= o; a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( cg';f/ ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL Joj:yfsf] k"0f{ ?kdf kfngf ug{sf] nflu pRr Joj:yfkg ;r]t /xgx'g .

*= cf]=l8 (Overdraft) k|s[ltsf shf{x? k|jfx gug{ x'g .

(= cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0fsf ;fy} o; a}}+ssf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0f k|ltj]bgdf cf}+NofOPsf s}lkmotx? oyfzLw| ;'wf/ ug'{ x'g .

@=@=@=@=#!#!#!#! ;u/dfyf dr]{G6 a}+lsª P08 kmfOgfG; lnld6]8, dfgejg, nlntk'/;u/dfyf dr]{G6 a}+lsª P08 kmfOgfG; lnld6]8, dfgejg, nlntk'/;u/dfyf dr]{G6 a}+lsª P08 kmfOgfG; lnld6]8, dfgejg, nlntk'/;u/dfyf dr]{G6 a}+lsª P08 kmfOgfG; lnld6]8, dfgejg, nlntk'/

!= o; a}+ssf] lgb]{zg adf]lhd @)^( cfiff9 d;fGtdf zfvf sfof{nox?sf] nflu ;d]t u/L Go"gtd ?=!(,^^,^& xhf/ r'Qmf k"FhL sfod ug'{kg]{df ?=!^,%),)) xhf/ tyf r'Qmf k"FhLdf u0fgf x'g] cGo >f]tx? ?=@,%(,#) xhf/ ;d]t u/L ?= !(,)(,#) xhf/ dfq r'Qmf k"FhL /xL r'Qmf k"FhL ;DaGwL o; a}+ssf] lgb]{zgsf] kfngf gePsf]n] ;f] k"FhL ;DaGwdf k"FhL of]hgf k]z ug{ .

33

@= shf{ gf]S;fgL Aoj:yfdf j[l¢ eO{ ;+:yfsf] cfodf pNn]Vo sdL cfPsf]n]] ;DklQsf] u'0f:t/ ;'wf/ ug{ .

#= ;DklQ ;'l¢s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgjf/0f ;DaGwL o; a}+ssf] PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] kfngf ug{ .

$= o; a}+sn] tf]s]sf] ;LdfeGbf a9L x'g] u/L Psn u|fxs ;d"xdf shf{ k|jfx gug{ .

%= shf{ k|jfx ubf{ ;+:yfsf] shf{ gLltdf pNn]lvt k|s[ofx?sf] kfngf ug{ .

^= o; a}+ssf] u}/ :ynut tyf :ynut lgl/If0fsf] qmddf lbOPsf k"j{ lgb{]zgx? / n]vfk/LIfsx?n] cf+}NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{ .

@=@=@=@=#@#@#@#@ l;len dr]{06 ljQLo ;+:yf lnld6]8l;len dr]{06 ljQLo ;+:yf lnld6]8l;len dr]{06 ljQLo ;+:yf lnld6]8l;len dr]{06 ljQLo ;+:yf lnld6]8

!= jf;nft aflx/sf sf/f]jf/ ;DaGwL gLlt, 6«]h/L sf/f]af/ ;~rfng ;DaGwL sfo{ljlw, ;"rgf k|ljlw tflnd lgb{]lzsf cflb gLlt tof sfo{ljlw th'{df u/L sfof{Gjog ug{ .

@= lgIf]k vftf ;~rfng ubf{ tyf shf{ sf/f]jf/ ubf{ ;:yfsf] u|fxs klxrfg dfu{bz{g adf]lhd u|fxs klxrfg;Fu ;DalGwt ;Dk"0f{ ljj/0fx? lnP/dfq sf/f]jf/ ug{ .

#= ;a} shf{ kmfOn Jojl:yt ug{, C0fLsf] cfo >f]t k|dfl0ft x'g] sfuhft, n]vfk/LIf0f ePsf] ljQLo ljj/0fx?, shf{ ;"rgf, ;DklQsf] aLdf gjLs/0f, Joj;fosf] ;efJotf cWoog cflb sfo{ k"/f ePkl5 dfq shf{ k|Jffx tyf gjLs/0f ug{ .

$= o; a}+ssf] PsLs[t lgb{]zg, @)^( sf] lgb{]zg g+=^-%_ adf]lhd u7g ePsf] n]vfk/LIf0f ;ldltnfO{ tf]lsPsf sfd, st{Jo tyf k|d'v pQ/bfloTjx? k"/f ug{] u/L ;lqmo agfpg .

%= cGo l/on :6]6 shf{ tkm{ hUUff vl/b / Knl6+udf tf]lsPsf] ;LdfeGbf a9L x'g] u/L k|Jffx ul/Psf] shf{nfO{ ;Ldfleq Nofpg .

^= ;DklQ z'l4s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb{]lzsf tof/ u/L sfof{Gjog ug{ .

&= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? tyf k"j{ :ynut tyf u}/–:ynut lg/LIf0faf6 lbOPsf s}lkmotx? ;'wf/ ug{ .

@=@=@=@=######## k|e' kmfOgfG; sDkgL lnld6]8k|e' kmfOgfG; sDkgL lnld6]8k|e' kmfOgfG; sDkgL lnld6]8k|e' kmfOgfG; sDkgL lnld6]8

!= cGo l/on:6]6 shf{ zLif{s cGtu{t @$=)^ k|ltzt k|jfx ePsf]n] o; a}+sn] tf]s]sf] ;Ldf eGbf a9L gx'g] u/L Joj:yfkg ug'{x'g .

@= JolQmut shf{ zLif{sdf ?=!,^),&@,!! xhf/ k|jfx ePsf] / pQm shf{ s'n shf{ /sd ?=#,(@,$(,)) xhf/sf] $)=(% k|ltzt /x]sf]n] pQm If]qdf /x]sf] shf{ Psfu|tf hf]lvd Go"gLs/0f ug'{x'g .

#= ;+:yfn] k|of]u u/]sf] IT Software df off site back up tyf Disaster Recovery plan sf] Joa:yf ug{'x'g .

$= la:t[t ?kdf aflif{s ah]6 th'{df ug{x'g'sf] ;fy} ah]6sf] sfof{Gjog tyf lgoGq0f kIf ;'wf/ ug'{x'g .

34

%= k|e'dgL 6«fG;km/ sDkgL ;Fusf] ;Demf}tf adf]lhd ;+:yfn] e'QmfgL u/]sf] /]ld6fG; jfktsf] /sdsf] ;f]wegf{ lng'x'g .

^= o; a}+ssf] PsLs[t lgb{]zg, @)^( sf] lgb{]zg g+=!( adf]lhdsf] ;DklQ ;'l4s/0f lgjf/0f tyf cft+ssf/L nufgL lgoGq0f ;DaGwL gLlt th{'df tyf sfof{Gjog ug{'x'g .

&= n]vfk/LIfsn] cf}NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug'{x'g .

@=@=@=@=#$#$#$#$ O{Dk]l/on kmfO{gfG; ln=, O{Dk]l/on kmfO{gfG; ln=, O{Dk]l/on kmfO{gfG; ln=, O{Dk]l/on kmfO{gfG; ln=, yfkfynL, sf7df08f}]yfkfynL, sf7df08f}]yfkfynL, sf7df08f}]yfkfynL, sf7df08f}] ]]]] ]]]] }} }}

!= nufgL / 6«]h/L sf/f]af/ ;~rfng ;DaGwL gLlt th'{df u/L sfof{Gjog ug{x'g .

@= zfvfx?df /x]sf :yL/ ;DklQsf] aLdf ug{ tyf ;+:yfsf] :jtGq ?kdf System Audit u/fpgx'g .

#= s"n lgIf]kdf @) 7"nf lgIf]k stf{sf] c+z #*=@% k|ltzt /x]sf]n] lgIf]k clws]Gb|Lt hf]lvd k|lt ;hu /xgx'g .

$= lgIf]k vftf ;~rfngsf qmddf nfdf] ;do;Dd ;~rfng gePsf lgIf]k vftfx? -Dormant Deposit_ ;~rfng ;DaGwL gLlt tof/ u/L sfof{Gjog ug{x'g .

%= shf{ sf/f]af/ tyf shf{ gjLs/0f ubf{ C0fLx?n] cGo a}+s tyf ljQLo ;+:yfx?af6 lnPsf] shf{sf] ljj/0f, shf{ ;"rgf, JolQmut hdfgLstf{sf] gful/stfsf] k|ltlnlk, lwtf]df /x]sf :yL/ ;DklQx?sf] aLdf cflb h:tf sfuhftx? k"0f{ ?kdf lnP/ dfq sf/f]jf/ ug{] ug{x'g .

^= ;DklQ z'l4s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb{]lzsf tof/ u/L sfof{Gjog ug{x'g .

&= cGo l/on :6]6 shf{ zLif{sdf tf]lsPsf] ;LdfeGbf a9L k|Jffx ePsf] shf{ oyflz3| ;Ldfleq Nofpgx'g .

*= a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf !@ adf]lhdsf] Joj;flos ljz]if1 ;~rfns lgo'Qm ug{x'g .

(= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? tyf k"j{ :ynut / u}/–:ynut lg/LIf0faf6 lbOPsf lgb]{zgx? gbf]xf]l/g] u/L ;'wf/ ug{x'g .

@=@=@=@=#%#%#%#% g]kfn PS;k|]; kmfO{gfG; ln=, g]kfn PS;k|]; kmfO{gfG; ln=, g]kfn PS;k|]; kmfO{gfG; ln=, g]kfn PS;k|]; kmfO{gfG; ln=, ;'Gwf/f, sf7df08f}];'Gwf/f, sf7df08f}];'Gwf/f, sf7df08f}];'Gwf/f, sf7df08f}] ]]]] ]]]] }} }}

!= cGo l/on :6]6 zLif{s cGtu{t k|jfx ePsf shf{df o; a}+sn] tf]s]sf] ;Ldf s'n shf{ /sdsf] !) k|ltzt eGbf a9L gx'g] u/L Joj:yfkg ug{ .

@= a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf !@ adf]lhdsf] Jofj;flos ljz]if1 ;~rfns lgo'Qm ug{ .

#= ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL lgjf/0f Joj:yf ;DjGwdf o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= !( sf] Joj:yfsf] kl/kfngf ug{ .

35

$= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{ .

%= ;+:yfks÷;~rfns, k|d'v sfo{sf/L clws[t Pjd\ lghx?sf kl/jf/sf :jfldTjdf sfod z]o/ o; a}saf6 hf/L PsLs[t lgb{]zg, @)^( sf] lgb{]zg g+=!) sf] a'Fbf g+=& n] tf]]s]sf] ;Ldf eGbf a9L /x]sf] kfOPsf]n] ;f] z]o/ :jfldTjdf lgb]{zg jdf]lhd ;Ldf leq gcfP;Dd tL ;+:yfks÷;~rfns, k|d'v sfo{sf/L clws[t Pjd\ lghx?sf kl/jf/sf :jfldTjdf sfod z]o/df gub nfef+z Pj+ jf]gz z]o/ ljt/0f gug{' x'g .

@=@=@=@=#^#^#^#^ EofnL kmfO{gfG; s+DkgL ln=, EofnL kmfO{gfG; s+DkgL ln=, EofnL kmfO{gfG; s+DkgL ln=, EofnL kmfO{gfG; s+DkgL ln=, dxf/fhu+h, sf7df08f}]dxf/fhu+h, sf7df08f}]dxf/fhu+h, sf7df08f}]dxf/fhu+h, sf7df08f}] ]]]] ]]]] }} }}

!= hf]lvd Joa:yfkg ;ldlt u7g ug{'x'g .

@= cfjZostf cg';f/ ljleGg gLlt lgb]{lzsfx? h:t}M jf;nft aflx/sf sf/f]jf/x? ;DjGwL gLlt, hf]lvd Joa:yfkg gLlt cflb th'{df ug{'x'g .

#= l/on:6]6 If]qdf ;Ldf leq /x]/ dfq shf{ sf/f]af/ ug{'x'g .

$= l:y/ ;DklQsf] jflif{s ?kdf ef}lts kl/If0f u/L jLdfof]Uo ;DklQsf] jLdf ug'{x'g .

%= cfos/ P]g cg';f/ s§L u/]sf] s/ /sd cfGt/Ls /fh:j sfof{nodf lgodfg';f/ ;dodf g} hDdf ug'{x'g .

^= shf{ nufgL kZrft\ shf{ ;b'kof]lutfsf] lg/LIf0f / cg'udg u/L ;f]sf] k|ltj]bg ;DalGwt kmfondf /fVg] Joj:yf ug'{x'g .

&= shf{ k|jfx Pj+ gjLs/0f ubf{ clgjfo{ ?kdf lwtf] lg/LIf0f k|ltj]bg, shf{ ;"rgf, ljQLo ljj/0fx? cflb h:tf sfuhft lnO{ shf{ gLlt jdf]lhd dfq shf{ k|jfx ug{'x'g .

*= n]vfk/LIfsn] cf}NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug'{x'g .

@=@=@=@=#&#&#&#& ;]tL ljQLo ;+:yf lnld6]8, s}nfnL, l6sfk'/;]tL ljQLo ;+:yf lnld6]8, s}nfnL, l6sfk'/;]tL ljQLo ;+:yf lnld6]8, s}nfnL, l6sfk'/;]tL ljQLo ;+:yf lnld6]8, s}nfnL, l6sfk'/

!= o; a}+ssf] lgb]{zg ;d]t ;d]6]/ lj:t[t ?kdf shf{ gLlt tof/ u/L pQm gLlt adf]lhd shf{ k|jfx ug{ .

@= hf]lvd Joj:yfkg tyf ;"rgf k|ljlw gLlt tof/ u/L sfof{Gjog ug{ .

#= ;DklQ z'l¢s/0f tyf cft+safbL sfo{df ljQLo nufgL lgjf/0f ;DaGwL PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+ !( sf] kfngf ug{ .

$= Psn u|fxs ;d"x klxrfg tyf If]qut shf{ cg'udg ;DaGwL sfo{ljlw tof/ u/L sfof{Gjog ug{ .

%= ;+:yfks, ;~rfns / Joj:yfkgdf ;+nUg kbflwsf/Lx? tyf lghx?;+u ;DalGwt JolQm tyf ;+:yfsf] klxrfg ug]{ k4ltsf] ljsf; ug{ .

^= o; a}+saf6 ul/Psf] :ynut lg/LIf0f tyf u}/ :ynut ;'kl/j]If0fsf qmddf lbOPsf lgb]{zgx? Pjd\ n]vf k/LIfsn] p7fPsf s}lkmotx? ;'wf/ ug{ .

36

@=@=@=@=#*#*#*#* xfdf dr]{06 P08 kmfOgfG; lnld6]8, lqk'/]Zj/xfdf dr]{06 P08 kmfOgfG; lnld6]8, lqk'/]Zj/xfdf dr]{06 P08 kmfOgfG; lnld6]8, lqk'/]Zj/xfdf dr]{06 P08 kmfOgfG; lnld6]8, lqk'/]Zj/, sf7df08f}], sf7df08f}], sf7df08f}], sf7df08f}] ]]]] ]]]] }} }}

!= sltko shf{ kmfOndf shf{ ;'/lIft ug]{ sfuhft lnPsf] gkfOPsf]n] ;f] sfuhft cWofljws u/]/ dfq shf{ k|jfx ug{' x'g .

@= cGo l/on :6]6 zLif{s cGtu{t k|jfx ePsf shf{df o; a}+sn] tf]s]sf] ;Ldf s'n shf{ /sdsf] !) k|ltzt eGbf ggf£g] u/L shf{ k|jfx ug{' x'g .

#= ;DklQ z'l2s/0f tyf cfts+sf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb]{lzsf tof/ u/L sfo{Gjog ug{' x'g .

$= Jofj;flos ljz]if1 ;+rfns lgo'Qm ug{' x'g .

%= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{' x'g .

@=@=@=@=#(#(#(#( l/l/l/l/nfoan kmfOgfG; lnld6]8nfoan kmfOgfG; lnld6]8nfoan kmfOgfG; lnld6]8nfoan kmfOgfG; lnld6]8

!= PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+= @ sf] a'Fbf g+= !& -v_ df ;+:yfks z]o/ lwtf]aGws /fvL shf{ k|jfx ug{] ;DaGwdf ePsf] Joj:yfsf] k"0f{ kfngf ug'{x'g .

@= q}dfl;s ?kdf ;+:yfsf] cfGtl/s n]vfk/LIf0f ug{ nufO{ ;dod} ;f]sf] k|ltj]bg n]vfk/LIf0f ;ldltdf k]z u/fO{ cfjZos 5nkmn kZrft sfof{Gjog ug'{x'g .

#= ;+:yfsf] ;+:yfut lgIf]kstf{x?sf] lgIf]k /sd s'n lgIf]ksf] ^)=(% k|ltzt /x]sf] x'Fbf lgIf]k ;+/rgfdf clws]Gb|Lt hf]lvd clws /x]sf]n] eljiodf cfpg ;Sg] To; lsl;dsf] hf]lvd k|lt ;hu /xL lgoldt cg'udg ug'{x'g .

$= :jMk|of]hgsf] nflu vl/b u/]sf] hUufx? tLg jif{;Dd :jMk|of]udf gNofPdf PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= * sf] a'Fbf g+= & df ePsf] Joj:yf nfu' x'g] Joxf]/f cjut ug'{x'g .

%= cGo l/on :6]6 zLif{s cGtu{t k|jfx ePsf shf{nfO{ o; a}+sn] tf]s]sf] ;Ldf s'n shf{ /sdsf] a9Ldf !) k|ltzt eGbf a9L gx'g] u/L Joj:yfkg ug'{x'g .

^= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug'{x'g .

@=@=@=@=$)$)$)$) clk kmfOgfG; ln=, sf:sL, kf]v/fclk kmfOgfG; ln=, sf:sL, kf]v/fclk kmfOgfG; ln=, sf:sL, kf]v/fclk kmfOgfG; ln=, sf:sL, kf]v/f

!= cfGtl/s n]vfk/LIf0f ;ldltn] o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^( sf] lgb]{zg g+= ^ sf] a'Fbf g+=%-s_ b]lv -r_ ;Dd u/]sf gLltut Aoa:yf af/] Joj:yfkgnfO{ ;'emfj lbg] ;+oGqsf] ljsf; ug{x'g .

@= cfGtl/s n]vfk/LIfsaf6 q}dfl;s ?kdf ;+:yfsf] n]vfk/LIf0f ug{ nufO{ ;dod} ;f]sf] k|ltj]bg n]vfk/LIf0f ;ldltdf k]z u/fO{ 5nkmn kZrft sfof{Gjog ug]{ Joj:yf ldnfpgx'g .

#= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;~rfng, Jofhb/ Pj+ t/ntf hf]lvd dfkg, cg'udg tyf Go"gLs/0f ug{ hf]lvd Joj:yfkg ;DaGwL gLlt÷sfo{ljlw agfO{ sfof{Gjog ug{x'g .

37

$= ;+:yfsf] sd{rf/L ljlgodfjnL cGtu{t k|jfx ePsf] sd{rf/L shf{ ;fk6df ;+:yfsf] gLlt cg'?k lgoldt ?kdf ls:tf / Jofh c;'npk/ ug{x'g .

%= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{x'g .

@=@=@=@=$!$!$!$! gd:t] ljQLo ;+:yf lnld6]8gd:t] ljQLo ;+:yf lnld6]8gd:t] ljQLo ;+:yf lnld6]8gd:t] ljQLo ;+:yf lnld6]8

!= sf/f]jf/df cfpg ;Sg] hf]lvd lgjf/0fsf nflu hf]lvd Joj:yfkg gLlt th{'df u/L hf]lvd Joj:yfkg ;ldlt u7g ug{x'g .

@= oyflz3| ;j{;fwf/0fsf] nflu 5'6\ofPsf] z]o/ lgisfzg u/L hfgsf/L lbgx'g .

#= lglZrt cjlw;Dd ;~rfng gePsf] lgIf]k vftfnfO{ 8f]/d]06 Psfp06df 6«fG;km/ ug{] pko'Qm gLlt tyf sfo{ljlw agfO sfof{Gjog ug{x'g .

$= oyflz3| u}/–a}ls+u ;DklQ Joj:yfkg ;DaGwL gLlt / ;"rgf k|ljlw ;DaGwL gLlt tof/ u/L sfof{Gjog ug{x'g .

%= ;DklQ z'l4s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb{]lzsf tof/ u/L sfof{Gjog ug{x'g .

^= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? tyf k"j{ :ynut tyf u}/–:ynut lg/LIf0faf6 lbOPsf lgb]{zgx? kfngf ug'{x'g .

@=@=@=@=$@$@$@$@ sf:sL kmfO{gfG; lnld6]8, Go"/f]8, kf]v/fsf:sL kmfO{gfG; lnld6]8, Go"/f]8, kf]v/fsf:sL kmfO{gfG; lnld6]8, Go"/f]8, kf]v/fsf:sL kmfO{gfG; lnld6]8, Go"/f]8, kf]v/f

!= lwtf]df /xg] ;DklQsf] d"Nof+sg ubf{ d"Nof+sgstf{n] lgh;Fu ePsf] ;Demf}tfdf pNn]lvt ;t{sf] kfngf ;d]t gu/L km/s km/s b/df d"Nof+sg ug{] s'/fsf] lg/fs/0f ug{ .

@= shf{ k|jfx ePkl5dfq ;ldltaf6 :jLs[t shf{sf] cg'df]bg u/fpg] kl/kfl6nfO{ lg?T;flxt ug{ .

#= o; a}+ssf] PsLs[t lgb{]zg, @)^* sf] lgb{]zg g+= #-!!_ sf] @-v_ adf]lhd Ohfhtkqk|fKt ;+:yfsf] ;~rfns ;ldltn] k|fylds k"FhLsf] zt k|ltzteGbf a9L Pp6} If]qdf k|jflxt shf{ ;fk6 / ;'ljwfsf ;DjGwdf To:tf shf{x?sf] ;Ldf k|fylds k” FhL sf] zt k|ltzt eGbf a9L sfod /fVg] jf g/fVg] eGg] ;DaGwdf jflif{s ?kdf lg0f{o ug'{ kg]{ / ;f] lg0f{osf] hfgsf/L o; a}+ssf] a}+s tyf ljQLo ;+:yf lgodg ljefu / ;DjlGwt ;'kl/j]If0f ljefudf clgjfo{ ?kdf k7fpg] ug{ .

$= zfvf sfof{no ;~rfng gLlt, jf;nft aflx/sf] sf/f]af/ ;~rfng ;DaGwL gLlt, ljQLo ;|f]t kl/rfng ;DaGwL gLlt, ljkGgju{ shf{ ;DaGwL gLlt, P6LPd ck/]zg d]g'cn, hf]lvd Joj:yfkg gLlt, nufgL gLlt, u}/ a}+ls+u ;DklQ Joj:yfkg gLlt, ;DklQ z'l4s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb{]lzsf cflb tof/÷sfof{Gjog ug{ .

%= o; a}ssf] PsLs[t lgb{]zg, @)^( sf] lgb{]zg g+= # adf]lhdsf] cfk;L ;DaGw ePsf u|fxsx?sf] ljj/0f clgjfo{ ?kdf agfpg] ug{ .

38

^= a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf !@ adf]lhdsf] Joj;flos ljz]if1 ;~rfns lgo'Qm ug{ .

&= cfGtl/s / jfXo n]vfk/LIfs tyf o; a}ssf] k"j{ :ynut / u}/:ynut lg/LIf0fsf] qmddf cf}+NofPsf cGo s}lkmotx? ;'wf/ ug{ .

@=@=@=@=$#$#$#$# h]lgy kmfOgfG; sDkgL lnld6]8h]lgy kmfOgfG; sDkgL lnld6]8h]lgy kmfOgfG; sDkgL lnld6]8h]lgy kmfOgfG; sDkgL lnld6]8

!= hf/L k"FhL / r'Stf k"FhL km/s b]lvPsf]n] ;f] hf/L tyf r'Stf k"FhL j/fj/ ug{' x'g .

@= lnhxf]N8 ;DklQ ?=!#,$@,(!*.– nfO{ l:y/ ;DklQ cGt{ut lnhxf]N8 zLif{sdf b]vfpg' kg]{df ejgdf b]vfOPsf] / sDKo"6/ ;km6j]o/sf] ?=!,^@,)^&.– nfO{ cg";"rL $=!^ cGt/ut ckn]vg x'g afFsL vr{ zLif{sdf b]vfpg' kg]{df l:y/ ;DklQ cGt{ut cGo zLif{sdf b]vfpg' x'g .

#= Jofj;flos ljZf]if1 ;+rfns lgo'Qm ug'{ x'g .

$= sltko shf{ k|jfx ubf{ lwtf]df /x]sf] l:y/ ;DklQsf] gfkL gS;f, jLdf, dfnkf]t lt/]sf] /l;b, kmd{ gjLs/0f, s/ r'Stf k|df0f kq, ljQLo ljj/0f, shf{ ;"rgf cflb lnP/ dfq shf{ k|jfx ug{' x'g .

@=@=@=@=$$$$$$$$ o'lgs kmfOgfG; lnld6]8o'lgs kmfOgfG; lnld6]8o'lgs kmfOgfG; lnld6]8o'lgs kmfOgfG; lnld6]8

!= shf{ k|jfx÷gjLs/0f ug'{ k"j{ C0fLsf] cfo>f]t k|dfl0ft x'g] sfuhft lng] ug{ tyf shf{ k|jfx eP kZrft :jLs[t k|of]hg cg'?k shf{ ;b'kof]u eP÷gePsf]] ;DaGwdf lgoldt ?kdf cg'udg ug'{x'g .

@= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;~rfng, Jofhb/ Pj+ t/ntf hf]lvd dfkg, cg'udg tyf Go"gLs/0f ug{ cfjZos hf]lvd Joj:yfkg ;DaGwL gLlt÷sfo{ljlw agfO{ sfof{Gjog ug'{x'g .

#= 7"nf bz ;+:yfut lgIf]kstf{x?sf] lgIf]k /sd s'n lgIf]ksf] $@=#% k|ltzt /x]sf] x'Fbf lgIf]k ;+/rgfdf clws]Gb|Lt hf]lvd clws /x]sf] / 7"nf bz C0fLx?sf] shf{ /sd s'n shf{sf] #(=^& k|ltzt /x]sf] x'Fbf shf{ hf]lvd ;d]t clws /x]sf]n] eljiodf cfpg ;Sg] To; lsl;dsf] hf]lvd k|lt ;hu /xL lgoldt cg'udg ug'{x'g .

$= ljkGg ju{df nufgL ug]{ u/L yf]s shf{ pknAw u/fPsf] shf{ ljkGg ju{df nufgL eP gePsf] ;DaGwdf ;+:yfaf6 ^÷^ dlxgfdf cg'udg u/L ;f]sf] k|ult ljj/0f clgjfo{ ?kdf lng] Joj:yf ug'{x'g .

%= hf]lvd Joj:yfkg ;ldltsf] u7g o; a}+ssf] lgb]{zg adf]lhd x'g] u/L ug{'kg]{ ;fy} hf]lvd Joj:yfkg ;ldltnfO{ k|efjsf/L agfO{ ;+rfng ug]{ ;+oGqsf] ljsf; ug'{x'g .

^= cGo l/on :6]6 shf{ zLif{s cGtu{t k|jfx ePsf shf{nfO{ o; a}+sn] tf]s]sf] ;Ldf s'n shf{ /sdsf] a9Ldf !) k|ltzt eGbf a9L gx'g] u/L Joj:yfkg ug{'x'gsf] ;fy} ;f] ;DaGwdf n]vfk/LIfssf] k|ltj]bgsf] cg';"rL $=#)-s_ cGtu{t l;df gf3]sf] l/on:6]6

39

shf{ zLif{sdf ;LdfeGbf a9L k|jfx ePsf] shf{ ?=%,&&,^& xhf/nfO{ !%) k|ltzt ef/ lbO{ ;+zf]lwt ljQLo ljj/0f k|sfzg ug'{x'g .

&= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug'{x'g .

@=@=@=@=$%$%$%$% dGh'>L kmfOgflG;on OG:6LRo";g lnld6]8dGh'>L kmfOgflG;on OG:6LRo";g lnld6]8dGh'>L kmfOgflG;on OG:6LRo";g lnld6]8dGh'>L kmfOgflG;on OG:6LRo";g lnld6]8

!= shf{x?sf] ;dod} ls:tf÷Jofh /sd c;'n ug]{ sfo{nfO{ k|efjsf/L agfpgsf ;fy} ;+:yfsf] cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L agfO{ ;+:yfnfO{ r':t b'?:t?kdf ;~rfng ug'{x'g .

@= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;~rfng hf]lvd, Jofhb/ Pj+ t/ntf hf]lvd ;DaGwL dfkg, cg'udg tyf Go"gLs/0f ug{ hf]lvd Joj:yfkg ;ldlt agfpg . ;fy} hf]lvdsf] Joj:yfkgsf] nflu cfjZos gLlt, k|lqmof / dfu{bz{g ;d]t agfO{ sfof{Gjog ug{'x'g .

#= cfGtl/s n]vfk/LIf0f ;ldltn] o; a}+sn] hf/L u/]sf] PsLs[t lgb]{zg @)^* sf] lgb]{zg g+= ^ sf] a'Fbf g+= %-s_ b]lv -r_ ;Dddf pNn]v eP cg';f/ cfjZos 5nkmn u/L Joj:yfkgnfO{ ;'emfj lbg] ;+oGqsf] ljsf; ug{'x'g .

$= lgIf]k kl/rfng ;DaGwL, jf;nft aflx/sf] sf/f]jf/ ;DaGwL, ljkGg ju{ shf{ ;DaGwL cflb gLlt lgod÷sfo{ljlw th'{df u/L sfof{Gjogdf Nofpg'x'g . ;fy} ;+:yfdf ljBdfg /x]sf] ljleGg gLlt tyf sfo{ljlwx?nfO{ ;do;fk]If x'g] u/L ;+zf]wg u/L sfof{Gjog ug]{ ug'{x'g .

%= If]qut shf{ ;Ldf ;DaGwdf o; a}+saf6 hf/L PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+= # sf] a'Fbf !! adf]lhd ;~rfns ;ldltaf6 cg'udg tyf cg'df]bg u/fO{ o; a}+snfO{ ;d]t hfgsf/L u/fpg] ug{'x'g .

^= :yL/ ;DklQsf] ;fFs]lts/0f tyf lgoldt ?kdf ef}lts k/LIf0f u/L clen]v cBfjlws ug{'x'g .

&= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{ Pj+ k"j{ lgb]{zgx? kfngf ug'{x'g .

@=@=@=@=$^$^$^$^ z'enIdL kmfOgfG; lnld6]8 gSzfn, sf7df8f}+z'enIdL kmfOgfG; lnld6]8 gSzfn, sf7df8f}+z'enIdL kmfOgfG; lnld6]8 gSzfn, sf7df8f}+z'enIdL kmfOgfG; lnld6]8 gSzfn, sf7df8f}+

!= q}dfl;s ?kdf ;+:yfsf] cfGtl/s n]vfk/LIf0f ug{ nufO{ ;dod} ;f]sf] k|ltj]bg n]vfk/LIf0f ;ldltdf k]z u/fO{ cfjZos 5nkmn kZrft sfof{Gjog ug{ .

@= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;~rfng, Jofhb/ Pj+ t/ntf hf]lvd dfkg, cg'udg tyf Go"gLs/0f ug{ cfjZos hf]lvd Joj:yfkg ;DaGwL gLlt÷sfo{ljlw agfO{ sfof{Gjog ug{ .

#= :yL/ ;DklQx?sf] ;fFs]lts/0f tyf lgoldt ?kdf ef}lts k/LIf0f u/L clen]v cBfjlws ug{ .

40

$= lgIf]k ;+/rgfdf art tyf d'2tL lgIf]ksf] c+z qmdzM #$=&( k|ltzt / ^$=*( k|ltzt /x]sf] b]lvPsf] x'Fbf lgIf]k ;+/rgfdf clws]Gb|Lt hf]lvd clws /x]sf]n] eljiodf cfpg ;Sg] To; lsl;dsf] hf]lvd k|lt ;hu /xL lgoldt cg'udg ug{{ .

%= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{ .

@=@=@=@=$&$&$&$& h]laN;h]laN;h]laN;h]laN; kmfOgfG; lnld6]8kmfOgfG; lnld6]8kmfOgfG; lnld6]8kmfOgfG; lnld6]8

!= sf/f]jf/df cfpg ;Sg] hf]lvd lgjf/0fsf] nflu hf]lvd Joj:yfkg gLlt tyf hf]lvd Joj:yfkg ;ldlt th'{df tyf u7g ug{x'g .

@= ;j{;fwf/0fsf] nflu 5'6\ofPsf] z]o/ oyflz3| lgisfzg u/L o; a}+ssf] lgb{]zg cg';f/ r'Stfk"FhL ?=@) s/f]8 k'¥ofpg' x'g .

#= s"n lgIfkdf d'2lt lgIf]ksf] c+z $&=!$ /x]sf]n] o;af6 a9\g ;Sg] nfut Go"gLs/0f ug{x'g tyf ;+:yfut lgIf]ksf] c+z @* k|ltzt /x]sf]n] pTkGg x'g;Sg] lgIf]k clws]lGb|t hf]lvd Go"gLs/0f ug{x'g .

$= oyflz3| ljkGgju{ shf{ gLlt tyf b}lgs sfo{ ;~rfng gLlt tof/ u/L sfof{Gjog ug{x'g .

%= ;DklQ z'l4s/0f tyf cft+ssf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb{]lzsf tof/ u/L sfof{Gjog ug{x'g .

^= cfGtl/s / jfXo n]vfk/LIfs tyf o; a}ssf] k"j{ :ynut / u}/:ynut lg/LIf0fsf] qmddf cf}+NofOPsf cGo s}lkmotx? ;'wf/ ug{x'g .

@=@=@=@=$*$*$*$* l/nfoG;l/nfoG;l/nfoG;l/nfoG; kmfOgfG; lnld6]8kmfOgfG; lnld6]8kmfOgfG; lnld6]8kmfOgfG; lnld6]8

! C0fLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ul/Psf] ljQLo ljj/0f, s/ r'Qmf k|df0fkq, kl/of]hgf k|ltj]bg, shf{ pkof]lutf, lwtf]df /x]sf] 3/ tyf ;jf/L ;fwgsf] d"Nof+lst /sd a/fa/sf] aLdf Pj+ ;dod} ;f]sf] gljs/0f, C0fLsf] cfo>f]t k'li6 x'g] sfuhft, jx' a}+lsË :j3f]if0ff kq, t]>f] kIf lwtf] lnOPsf] cj:yfdf kl/jf/sf ;Dk"0f{ ;b:osf] ;xdlt kq cflb lnO{ ;f]sf] cfwf/df ljZn]if0f u/]/ dfq shf{ k|jfx ug]{ ug{' x'gsf ;fy} shf{ k|jfx kZrft ;b'kof]lutf lg/LIf0f ug]{ ug'{ x'g .

@= af;nft aflx/sf sf/f]jf/ ;DaGwL gLlt lgb]{lzsf tyf sfo{ ;+rfng lgb]{lzsf, Data Back up and Recovery Planning System th'{df u/L sfof{Gjogdf Nofpg' x'g .

#= s'n lgIf]ksf] #*=)! k|ltzt lgIf]k !) 7"nf lgIf]kstf{af6 kl/rflnt eO{ lgIf]k s]Gb|Ls/0f hf]lvd clws /xsf] x'Fbf ;f]af6 pTkGg hf]lvdk|lt ;hu /xg' x'g .

$= ;do ;dodf gub lstfa;Fu 9's'6Ldf /x]sf] df}Hbft / Pl6Pddf /x]sf] df}Hbft u/L s'n gub df}Hbft le8fO{ 7Ls b'?:t /fVg'x'gsf ;fy} ljleGg a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbftsf] l/slG;n]zg ;dod} u/L lx;fj /fkm;fkm kfg'{ x'g .

%= n]vfk/LIfsx?n] cf}NofPsf cGo s}lkmotx? ;'wf/ u/L k'gM gbf]xf]l/g] Joa:yf ug{' x'g .

41

@=@=@=@=$($($($( nf]6; OGe]i6d]G6 kmfOgfG; lnld6]8, Go"/f]8, sf7df08f}nf]6; OGe]i6d]G6 kmfOgfG; lnld6]8, Go"/f]8, sf7df08f}nf]6; OGe]i6d]G6 kmfOgfG; lnld6]8, Go"/f]8, sf7df08f}nf]6; OGe]i6d]G6 kmfOgfG; lnld6]8, Go"/f]8, sf7df08f}

!= shf{ k|jfx ;DjGwL ;Dk"0f{ k|s[of k"/f u/]/ dfq shf{ k|jfx ug{' x'g .

@= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;~rfng, Jofhb/ Pj+ t/ntf ;DaGwL hf]lvd dfkg, cg'udg tyf Go"gLs/0f ug{ cfjZos hf]lvd Joj:yfkg ;DaGwL gLlt÷sfo{ljlw tof/ ug{' x'g.

#= n]vfk/LIf0f ;ldltsf ;b:ox?nfO{ cGo ;ldltsf] ;b:o gjgfpg' x'g .

$= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug{' x'g .

%= ;DklQ z'l2s/0f tyf cfts+sf/L sfo{df ljQLo nufgL lgoGq0f tyf lg/f]k0f ;DaGwL lgb]{lzsf tof/ u/L tyf sfo{Gjog ug{' x'g .

^= ;j{;fwf/0fsf nflu 5'6\ofPsf] z]o/ cljnDj ljqmL ljt/0f u/L hfgsf/L lbg' x'g .

@=@=@=@=%)%)%)%) j}ej kmfOgfG; sDkgL lnld6]8j}ej kmfOgfG; sDkgL lnld6]8j}ej kmfOgfG; sDkgL lnld6]8j}ej kmfOgfG; sDkgL lnld6]8

!= ;j{;fwf/0fsf] nflu 5'6\ofOPsf] z]o/ ljqmL ljt/0f ug]{ ;DaGwdf PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+= !^ sf] a'Fbf g+= ( df ePsf] Joj:yfnfO{ oyflz3| kl/kfngf ug'{ x'g .

@= ;+:yfdf cfpg ;Sg] shf{, ahf/, sfo{ ;~rfng, Jofhb/ Pj+ t/ntf hf]lvd dfkg, cg'udg tyf Go"gLs/0f ug{ cfjZos hf]lvd Joj:yfkg ;DaGwL gLlt÷sfo{ljlw agfO{ sfof{Gjog ug'{ x'g .

#= ;+:yfsf] 7"nf bz lgIf]kstf{x?sf] lgIf]k /sd s"n lgIf]ksf] $&=$# k|ltzt /x]sf] x'Fbf lgIf]k ;+/rgfdf clws]Gb|Lt hf]lvd clws /x]sf] / 7"nf b; C0fLx?sf] shf{ /sd s"n shf{sf] $&=(% k|ltzt /x]sf] x'Fbf shf{ hf]lvd ;d]t clws /x]sf]n] eljiodf cfpg ;Sg] To; lsl;dsf] hf]lvd k|lt ;hu /xL lgoldt cg'udg ug'{ x'g .

$= n]vfk/LIf0f ;ldltsf] a}7s slDtdf q}dfl;s ?kdf a:g] Joj:yf ldnfO{ ljQLo ljj/0fsf] ;dLIff tyf cGo ljifodf ;d]t 5nkmn u/L ;~rfns ;ldlt ;dIf k|ltj]bg k]z ug{ nufO{ ;f] ;ldltsf] e"ldsfnfO{ k|efjsf/L ?kdf sfof{Gjog ug'{ x'g .

%= hf]lvd Joj:yfkg ;ldltsf] u7g o; a}+ssf] lgb]{zg adf]lhd x'g] u/L ug'{ x'g .

^= g]kfn ;xsf/L ljQLo ;+:yf lnld6]8df vf]lnPsf] Jofh cfh{g x'g] lgIf]k vftfnfO{ oyflz3| aGb ug{ tyf ;+:yfut lgIf]k ;+sng ;DaGwL PsLs[t lgb]{zg, @)^* sf] lgb]{zg g+= !^ sf] a'Fbf g+= @ df ePsf] Joj:yfnfO{ k"0f{ ?kdf kfngf ug'{ x'g .

&= n]vfk/LIfsn] cf}+NofPsf cGo s}lkmotx? k'gM gbf]xf]l/g] u/L ;'wf/ ug'{ x'g .

@=@=@=@=%!%!%!%! eQmk'/ kmfOgfG; sDkgL lnld6]8eQmk'/ kmfOgfG; sDkgL lnld6]8eQmk'/ kmfOgfG; sDkgL lnld6]8eQmk'/ kmfOgfG; sDkgL lnld6]8

!= shf{ ckn]vg gLlt, sf]if tyf nufgL gLlt, jf;nft aflx/sf sf/f]jf/ ;DaGwL gLlt, ;DklQ bfloTj Joj:yfkg gLlt, u}/ a}+lsË ;DklQ ;DaGwL gLlt, sfo{;+rfng gLlt lgb]{lzsf, cfGtl/s n]vfk/LIf0f sfo{ljlw cflb gLlt lgb]{lzsf th'{df u/L hfgsf/L lbg

42

@= cfGtl/s n]vfk/LIf0f qodfl;s ?kdf oyf;dod} u/fpg] ug'{x'gsf ;fy} PsLs[t lgb]{zg, @)^* lgb]{zg g+=^ a'Fbf % adf]lhd n]vf k/LIf0f ;ldltnfO{ Joj:yfkgnfO{ ;Nnfx, ;'emfj / dfu{lgb]{zg lbg] u/L k|efjsf/L agfpg .

#= l:y/ ;DklQ /lhi6/ v8f u/L ;DklQsf] sf]l8ª / nf]s]zg ;lxtsf] ljj/0f cBfjlws ug{ .

$= Joj;flos /0fgLlts of]hgf ;lxtsf] k"FhL of]hgf tof/ ug{ .

%= 7"nf $ C0fLnfO{ s'n shf{sf] $^=)# k|ltzt tyf 7"nf @! C0fLnfO{ s'n shf{sf] %#=(& k|ltzt shf{ k|jfx ePsf]n] shf{ clws]Gb|Lt hf]lvd pRr /x]sf]tkm{ Joj:yfkg ;hu /xL ;f]sf] ;d'lrt Joj:yfkg ug{ .

^= C0fLsf] cfo>f]t k'li6 x'g] sfuhft, lwtf] 3/ tyf ;jf/L ;fwgsf] aLdf, lwtf] /xg] hUufsf] rf/ lsNnf k|df0fkq, JNo" lk|06, 6«]z gSzf, lt/f] lt/]sf] lg:;f, C0fLsf] kmf]6f] tyf JolQmut ljj/0f cflb lnO{ ;f]sf] cfwf/df ljZn]if0f u/]/ dfq shf{ k|jfx ug]{ ug{

&= n]vfk/LIfsn] cf}NofPsf cGo s}lkmotx? ;'wf/ u/L k'gM gbf]xf]l/g] Joj:yf ug{ .

cf=j= @)^*cf=j= @)^*cf=j= @)^*cf=j= @)^*.^.^.^.^(((( sfsfsfsf] jflif{s ljQLo ljj/0f k|sfzg ug{ :jLs[lt lng afsL ljQ sDkgLx?] jflif{s ljQLo ljj/0f k|sfzg ug{ :jLs[lt lng afsL ljQ sDkgLx?] jflif{s ljQLo ljj/0f k|sfzg ug{ :jLs[lt lng afsL ljQ sDkgLx?] jflif{s ljQLo ljj/0f k|sfzg ug{ :jLs[lt lng afsL ljQ sDkgLx?

!= g]kfn kmfOgfG; ln= @= Pg=cfO{=l8=l;= Soflk6n dfs]{6 P08 kmfOgfG; ln= #= g]kfn z]o/ dfs]{6\; P08 kmfOgfG; ln= $= lkkN; kmfOgfG; ln= %= lxdfno kmfOgfG; ln= ^= g]kfn xfplhË P08 dr]{06 kmfOgfG; ln= &= nlntk'/ kmfOgfG; ln= *= hg/n kmfOgfG; ln= (= k|f]u|]l;e kmfOgfG; s+= ln= !)= ;]G6«n kmfOgfG; ln= !!= c?0f kmfOgfG; ln= !@= jN8{ dr]{06 a}lsË P08 kmfOgfG; s+= ln= !#= lqmi6n kmfOgfG; ln= !$ kf6g kmfOgfG; ln= !%= s'j]/ dr]{G6 kmfOgfG; ln=

43

v08 v08 v08 v08 ----3_3_3_3_ nlIft, nlIft, nlIft, nlIft, ljz]if tyfljz]if tyfljz]if tyfljz]if tyf cg'udg lg/LIf0f cg'udg lg/LIf0f cg'udg lg/LIf0f cg'udg lg/LIf0f

44

v08 v08 v08 v08 ----3_3_3_3_

nlIft, ljz]if tyf nlIft, ljz]if tyf nlIft, ljz]if tyf nlIft, ljz]if tyf cg'udg cg'udg cg'udg cg'udg lg/LIf0flg/LIf0flg/LIf0flg/LIf0f ljQLo ;+:yfx?sf] s'g} ljz]if If]q jf sf/f]jf/sf]] lglZrt kIf ;d]6\g] p2]Zon] nlIft lg/LIf0f ul/G5 . gofF v'n]sf ;+:yfx?sf] lg/LIf0fjf6 vf;u/L k|rlnt sfg'g tyf lgodgsf] kfngf, ;+:yfut ;'zf;g l:ylt nufotsf kIfx?df sdhf]/L b]lvP ;dod} ;'wf/fTds sbd rfNg d2t k'Ub5 . o; k|of]hgsf nflu a}+sn] ;+:yf :yfkgf ePsf] ;fdfGotof 5 dlxgf kZrft nlIft lg/LIf0f ug]{ gLlt cjnDjg u/]sf] 5 . To;}u/L s'g} ljQLo ;+:yfdf lgIf]kstf{sf] lxt ljk/Lt sfo{ ePsf] jf clgoldttf eO/x]sf] jf ;j{;fwf/0fnfO{ unt ;"rgf k|jfx ul//x]sf] h:tf ljifodf ;fj{hlgs ;~rf/ dfWod tyf cGo >f]tjf6 k|fKt hfgsf/Lsf cfwf/df ljz]if lg/LIf0f ul/G5 . ;fy}, ljQLo ;+:yfx?sf] lg/LIf0f k|ltj]bgdf cf}NofOPsf s}lkmotx? ;'wf/ ug]{ qmddf lbOPsf] lgb]{zg kfngfsf] l:yltsf] cWoog ug]{ qmddf cg'udg lg/LIf0f ul/G5 . o:tf] cg'udgjf6 tL ;+:yfx?sf] ljQLo :jf:Yo jf/] cfZj:t x'g] cfwf/ tof/ x'G5 . o:tf] cg'udg sfo{ Pp6f lg/Gt/ k|lqmof klg xf] . cfly{s jif{ @)^*÷^( df b]xfo jdf]lhdsf ljQ sDkgLx?sf] nlIft Pj+ ljz]if lg/LIf0f sfo{ ;DkGg ul/Psf] 5 .

!=!=!=!= nlIft lg/LIf0f MnlIft lg/LIf0f MnlIft lg/LIf0f MnlIft lg/LIf0f M

cfly{s jif{ @)^*÷^( df @ j6f ljQ sDkgLx?sf] :ynut lg/LIf0f sfo{ ;DkGg ul/Psf] 5 . qm= ;+=qm= ;+=qm= ;+=qm= ;+= ljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfd b]lvb]lvb]lvb]lv ;Dd;Dd;Dd;Dd != a}ej kmfOgfG; ln=, gofF jfg]Zj/, sf7df08f}+ @)^*.(.@! @)^*.(.@$ @= eQmk'/ kmfOgfG; ln=, Rofdfl;+x, eQmk'/ @)^*.(.@& @)^*.(.@(

@=@=@=@= ljz]if lg/LIf0f Mljz]if lg/LIf0f Mljz]if lg/LIf0f Mljz]if lg/LIf0f M

cfly{s jif{ @)^*÷^( df !( j6f b]xfo jdf]lhd ljQ sDkgLsf] ljz]if lg/LIf0f sfo{ ;DkGg ul/Psf] 5 .

qm= ;+=qm= ;+=qm= ;+=qm= ;+= ljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfd b]lvb]lvb]lvb]lv ;Dd;Dd;Dd;Dd != Soflk6n dr]{G6 a}ls+u P08 kmfOgfG; ln=, jlQ;k'tnL, sf7df08f}+ @)^*.$.% @)^*.$.^ @= cfO{l;Pkm;L kmfOgfG; ln=, ef6e6]gL, sf7df08f}+ @)^*.$.!* @)^*.$.!* #= :6}088{ kmfOgfG; ln=, gf/fo0frf}/, sf7df08f}+ @)^*.$.!( @)^*.$.!( $= nlntk'/ kmfOgfG; ln=, nugv]n, nlntk'/ @)^*.$.@# @)^*.$.@# %= OGe]i6f kmfOgfG; ln=, aL/u~h, k;f{ @)^*.*.@$ @)^*.(.! ^= ds]{G6fO{n kmfOgfG; s+= ln=, aL/u~h, k;f{ @)^*.*.@$ @)^*.(.! &= o'lge;{n kmfOgfG; ln=, sflGtky, sf7df08f}+ @)^*.(.@@ @)^*.(.@@ *= lqmi6n kmfOgfG; ln=, yfkfynL, sf7df08f}+ @)^*.(.@^ @)^*.(.@^ (= k'|8]lG;on kmfOgfG; s+= ln=, l8NnLjhf/, sf7df08f}+ @)^*.!).@# @)^*.!).@$

45

!)= lk|ldo/ kmfOgfG; ln=, dfgejg, nlntk'/ @)^*.!).@# @)^*.!).@# !!= a}ej kmfOgfG; ln=, gofF afg]Zj/, sf7df08f}+ @)^*.!!.!$ @)^*.!!.!$ !@= Soflk6n dr]{G6 a}ls+u P08 kmfOgfG; ln=, jlQ;k'tnL, sf7df08f}+ @)^*.!!.!^ @)^*.!!.!& !#= o'gfO{6]8 kmfOgfG; ln=, lj/f6gu/ zfvf @)^*.!@.$ @)^*.!@.$ !$= lxdfno kmfOgfG; ln=, ;'Gwf/f, sf7df08f}+ @)^(.!.# @)^(.!.$ !%= s'j]/ dr]{G6 kmfOgfG; ln=, sdnkf]v/L, sf7df08f}+ @)^(.!.#! @)^(.@.# !^= g]kfn z]o/ dfs]{6\; P08 kmfOgfG; ln=, k'tnL;8s, sf7df08f}+ @)^(.#.@% @)^(.#.@% !&= hg/n kmfOgfG; ln=, rfjlxn, sf7df08f}+ @)^(.#.@% @)^(.#.@% !*= hg/n kmfOgfG; ln=, rfjlxn, sf7df08f}+ @)^(.#.@& @)^(.#.@( !(= lkkN; kmfOgfG; ln=, dxfjf}4, sf7df08f}+ @)^(.#.@( @)^(.#.#!

#=#=#=#= cg'udg lg/LIf0f Mcg'udg lg/LIf0f Mcg'udg lg/LIf0f Mcg'udg lg/LIf0f M

cfly{s jif{ @)^*÷^( df ^ j6f b]xfo jdf]lhd ljQ sDkgLsf] ljz]if lg/LIf0f sfo{ ;DkGg ul/Psf] 5 .

qm= ;+=qm= ;+=qm= ;+=qm= ;+= ljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfd b]lvb]lvb]lvb]lv ;Dd;Dd;Dd;Dd != Soflk6n dr]{G6 a}ls+u P08 kmfOgfG; ln=, jlQ;k'tnL, sf7df08f}+ @)^*.$.#) @)^*.$.#) @= s'j]/ dr]{G6 kmfOgfG; ln=, sdnkf]v/L, sf7df08f}+ @)^*.(.!& @)^*.(.!( #= c?0f kmfOgfG; ln=, w/fg, ;'G;/L @)^*.!).@* @)^*.!).@( $= Soflk6n dr]{G6 a}ls+u P08 kmfOgfG; ln=, jlQ;k'tnL, sf7df08f}+ @)^(.!.& @)^(.!.!) %= k]mjf kmfOgfG; ln=, kf]v/f, sf:sL @)^(.@.( @)^(.@.(

$=$=$=$= Diagonistic Review

cfly{s jif{ @)^*÷^( df @ j6f b]xfo jdf]lhd ljQ sDkgLsf] Diagonistic Review ug]{ sfo{ ;DkGg ul/Psf] 5 .

qm= ;+=qm= ;+=qm= ;+=qm= ;+= ljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfd b]lvb]lvb]lvb]lv ;Dd;Dd;Dd;Dd != xfdf dr]{G6 P08 kmfOgfG; ln=, lqk'/]Zj/, sf7df08f}+ @)^(.#.# @)^(.#.!) @= kf]v/f kmfOgfG; ln=, kf]v/f, sf:sL @)^(.#.#! @)^(.$.!#

46

v08 v08 v08 v08 ----ª_ª_ª_ª_ sfof{Gjogsfof{Gjogsfof{Gjogsfof{Gjog

(Enforcement)

47

v08 v08 v08 v08 ----ª_ª_ª_ª_

sfof{Gjogsfof{Gjogsfof{Gjogsfof{Gjog (Enforcement)

----ldlt @)^( r}q d;fGt;Dd ul/Psf sf/jfxL ;lxtsf] cBfjlws ljj/0fldlt @)^( r}q d;fGt;Dd ul/Psf sf/jfxL ;lxtsf] cBfjlws ljj/0fldlt @)^( r}q d;fGt;Dd ul/Psf sf/jfxL ;lxtsf] cBfjlws ljj/0fldlt @)^( r}q d;fGt;Dd ul/Psf sf/jfxL ;lxtsf] cBfjlws ljj/0f ;dfj]z ul/Psf]_;dfj]z ul/Psf]_;dfj]z ul/Psf]_;dfj]z ul/Psf]_

:ynut lg/LIf0f tyf u}/:ynut ;'kl/j]If0f k|ltj]bg sfof{Gjogsf qmddf cfjZostf / s}lkmotsf] k|s[lt cg';f/ ljQ sDkgL / ltgsf kbflwsf/Lx?nfO{ cfjZos lgb]{zg lbOg'sf ;fy} sf/jfxL ;d]t ul/Psf] 5 . cfly{s jif{ @)^*.^( df ljQ sDkgLx?sf] lg/LIf0f tyf ;'k/Lj]If0f k|ltj]bgx?sf] sfof{Gjogsf s|ddf eP÷u/]sf k|d'v sfd sf/afxLx¿ b]xfo adf]lhd /x]sf 5g\ .

1. g]kfn kmfOgfG; sDkgL ln= sf] @)^* r}q d;fGtsf] ckl/is[t ljQLo ljj/0fsf] cfwf/df ul/Psf]

:ynut lg/LIf0faf6 pQm ;+:yfsf] k"FhLsf]if C0ffTds b]lvPsf] / o; a}+saf6 hf/L lgb]{zgx? Kffngf gePsf] nufotsf cfwf/df a}+s tyf ljQLo ;+:yfsf] zL3| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL, @)^$ sf] a'Fbf g+= # sf] pka'Fbf -ª_ sf] v08 -c_ adf]lhd sf/jfxL ug]{ tyf g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff u/L ;f]xL P]gsf] bkmf *û adf]lhdsf] lgb]{zgx? lbg' gkg]{ sf/0f eP :ki6Ls/0f k]z ug{ lgb]{zg lbPsf] . ;fy}, ;+:yfsf ;~rfnsx?nfO{ ldlt @)^(.!!.@* df gl;xt lbOPsf], k|d'v sfo{sf/L clws[tnfO{ hl/jfgf u/L cjsfz lbg ;~rfns ;ldltnfO{ lgb]{zg lbOPsf] tyf tTsfnLg gfoa dxfk|aGwsnfO{ hl/jfgf nufOPsf] .

2. nlntk'/ kmfOgfG; sDkgL ln= sf] @)^* kf}if d;fGtsf] ckl/is[t ljQLo ljj/0fsf cfwf/df :ynut lg/LIf0f ubf{ k"FhLsf]if !@=$( k|ltztn] C0ffTds b]lvPsf] tyf o; a}+saf6 hf/L lgb]{zgx? Kffngf gu/]sf] nufotsf cfwf/df ldlt @)^(.%.@$ sf] kqaf6 ;+:yfsf] ;~rfns ;ldltnfO{ ;r]t u/fO{ s]xL ;~rfnsx?nfO{ gl;xt lbOPsf] Pj+ s]xL ;~rfnsx?nfO{ g]kfn /fi6« a}+s P]g, @)%* sf] bkmf !)) sf] pkbkmf -@_ sf] v08 -u_ adf]lhd ?=% nfv hl/jfgf lsg gug]{ egL :ki6Ls/0f k]z ug{ lgb]{zg lbOPsf] . ;fy}, ldlt @)^(.^.!$ sf] kqaf6 pQm ;:yfnfO{ g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff u/L ;f]xL P]gsf] bkmf *û adf]lhdsf lgb]{zgx? lbg' gkg]{ sf/0f eP :kli6s/0f k]z ug{ lgb]{zg lbOPsf] .

48

3. lxdfno kmfOgfG; ln= nfO{ a}+s tyf ljQLo ;+:yfsf] zL3| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL, @)^$ sf] ljlgod # sf] v08 -v_ cg';f/ sf/jfxL ul/Psf], shf{ k|jfxdf ;Ldf nufOPsf] / tTsfnLg cWoIf, dxfk|aGws / gfoa dxfk|aGwsnfO{ hl/jfgf ul/Psf]df pQm sf/jfxL kZrft\ klg ;+:yfdf b]lvPsf sdL sdhf]/Lx?df ck]Iffs[t ;'wf/ gcfPsf], ;+:yfsf] ljQLo l:ylt yk gfh's xF'b} uO{ ;+:yf, lgIf]kstf{, nufgLstf{ tyf cGo ;/f]sf/jfnfx? yk hf]lvddf kg{ ;Sg] cj:yf /x]sfn] g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff u/L ;f]xL P]gsf] bkmf *û cg';f/ ;d:ofu|:t ePsf] ^ dlxgfleq ;+:yfdf ;'wf/ ug]{ u/L ldlt @)^(.)(.@& df cfjZos lgb]{zgx? lbOPsf] .

4. lqmi6n kmfOgfG; ln= sf] @)^* r}q d;fGtsf] ckl/is[t ljQLo ljj/0fsf] cfwf/df ul/Psf] :ynut lg/LIf0faf6 ;+:yfsf] ljQLo l:ylt sdhf]/ ePsf] kfOPsf] x'Fbf pQm ;+:yfnfO{ g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff u/L ;f]xL P]gsf] bkmf *û cg';f/ ;d:ofu|:t ePsf] ^ dlxgfleq ;+:yfdf ;'wf/ ug]{ u/L ldlt @)^(.)^.)& df cfjZos lgb]{zgx? lbOPsf] . ;fy} ;+:yfks ;~rfnssf >Ldfg\ Pj+ lktf lbJo s'df/ >]i7nfO{ a}+lsË s;'/ tyf ;hfo P]g, @)^$ adf]lhd yk cg';Gwfg txlssftsf nflu s]Gb|Lo cg';Gwfg Jo"/f]df k7fOPsf] . lghsf] crn ;DklQ, a}+s vftf / ns/ ;'ljwfdf /f]s nufOPsf] / /fxbfgL /f]Ssfsf nflu ;DalGwt lgsfodf n]vL k7fOPsf] . ;+:yfsf ;~rfns Pj+ k|d'v sfo{sf/L clws[tnfO{ ?=% nfv hl/jfgf nufOPsf] .

5. Soflk6n dr]{G6 a}+ls+u P08 kmfOgfG; ln= nfO{ a}+s tyf ljQLo ;+:yfsf] zL3| ;'wf/fTds sf/jfxL

;DaGwL ljlgodfjnL, @)^$ sf] #-3_ cg';f/ sf/jfxL ePsf]df pQm ;+:yfsf] ljQLo kl/;"rsx? yk sdhf]/ x'Fb} uPsf], ljutdf 7"nf] kl/df0fsf] shf{ ckrng ePsf], lwtf]sf] u'0f:t/ cToGt sdhf]/ ePsf] sf/0f vf;} ;'wf/ x'g ;Sg] ;Defjgf gb]lvPsf] tyf ;+:yfsf] d"Nof+sg k|ltj]bgaf6 ;d]t ljQLo cj:yf cToGt sdhf]/ b]lvPsf] nufotsf sf/0fx?n] ubf{ pQm ;+:yfnfO{ /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff u/L ;f]xL P]gsf] bkmf *û cg';f/ ;d:ofu|:t ePsf] ^ dlxgfleq ;+:yfdf ;'wf/ ug]{ u/L ldlt @)^(.!).!& cfjZos lgb]{zgx? lbOPsf] .

6. s'a]/ dr]{G6 kmfOgfG; ln= sf] ;dli6ut :ynut lg/LIf0faf6 ;'zf;g ;DaGwL ;+j]bgzLn s}lkmotx? b]lvg cfPsf], ljutdf lbOPsf lgb]{zgx?df pNn]lvt s}lkmotx? ;'wf/ x'g g;sL cBfjlw sfod /x]sf], ;+:yf ;'wf/ tkm{ pGd'v x'g g;sL ljQLo ?kdf sdhf]/ x'Fb} ;DklQsf] u'0f:t/ v:sb} uPsf], ;~rfns ;Da4 JolQm tyf sDkgLx?nfO{ shf{ k|jfx u/]sf]÷u/fPsf]n] ;+:yf, nufgLstf{, lgIf]kstf{ tyf cGo ;/f]sf/jfnfx? yk hf]lvddf kg{ ;Sg] cj:yf ljBdfg /x]sfn] a}+s tyf ljQLo ;+:yfsf] zL3| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL, @)^$ sf] v08 #-ª_ sf] -c_ cg';f/ sf/jfxL ug{ tyf g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff u/L ;f]xL P]gsf] bkmf *û cg';f/ ;d:ofu|:t ePsf] ^ dlxgfleq ;+:yfdf ;'wf/ ug]{ u/L ldlt @)^(.)(.@& df cfjZos lgb]{zgx? lbOPsf] .

49

7. lkkN; kmfOgfG; ln= sf] ldlt @)^(.$.$ / % df u/]sf] ljz]if lg/LIf0faf6 ;j{;fwf/0f lgIf]kstf{, nufgLstf{ Pj+ cGo ;/f]sf/jfnfx?sf] lxt k|lts'n x'g]] clgoldttfdf k|ToIf ;+nUg b]lvPsf s]xL ;~rfnsx? tyf tTsfnLg dxfk|aGws -xfnsf d'Vo k|aGws_ nfO{ g]kfn /fi6« a}+s P]g, @)%* sf] bkmf !)) sf] pkbkmf -@_ sf] v08 -s_ adf]lhd ?=@ nfv hl/jfgf nufpg' gkg]{ sf/0f eP :kli6s/0f k]z ug{ lgb]{zg lbOPsf] . ;fy,} o; a}+saf6 ;do ;dodf hf/L lgb]{zg cg';f/ cfkm\gf] lhDd]jf/L lgjf{x gu/]sf] cGo s]xL ;~rfnsx? / ejg v/Lb ;DaGwL lg0f{odf ;+nUg tTsfnLg ;~rfnsnfO{ g]kfn /fi6« a}+s P]g, @)%* sf] bkmf !)) sf] pkbkmf -@_ sf] v08 -s_ adf]lhd ;r]t u/fOPsf] .

8. hg/n kmfOgfG; ln= sf] @)^* r}q d;fGtsf] ckl/is[t ljQLo ljj/0fsf] cfwf/df ul/Psf]

:ynut lg/LIf0faf6 shf{ gf]S;gL Joj:yfdf ;'kl/j]IfsLo ;dfof]hg tyf ;~rfns ;DaGw shf{ /sd ;d]tnfO{ k|fylds k"FhLsf]ifaf6 36fpFbf ;+:yfsf] k"FhLsf]if *=&# k|ltztn] C0ffTds b]lvPsf], ;j{;fwf/0f lgIf]kstf{, nufgLstf{ Pj+ cGo ;/f]sf/jfnfx?sf] lxt k|lts"n sfd ePsf] nufotsf sf/0fn] ljQLo If]qdf g} gsf/fTds c;/ kg{ ;Sg] x'Fbf pQm ;+:yfnfO{ a}+s tyf ljQLo ;+:yfsf] zL3| ;'wf/fTds sf/jfxL ;DaGwL ljlgodfjnL, @)^$ sf] ljlgod # sf] v08 -ª_ sf] -c_ cg';f/ sf/jfxL ug{ tyf ;f]xL ljlgod # sf] v08 -ª_ sf] -cf_ cg';f/ pQm ;+:yfnfO{ g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff u/L ;f]xL P]gsf] bkmf *û adf]lhdsf] lgb]{zg lbg'gkg]{ sf/0f eP :kli6s/0f k]z ug{ ldlt @)^(.)^.)& df lgb]{zg lbOPsf] .

;fy}, hg/n kmfOgfG; ln= sf s]xL ;~rfnsx?n] cGo JolQmx?sf] gfddf shf{ k|jfx ug{ nufO{ cfkm}n] pkef]u u/]sf] b]lvPsf] x'Fbf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf @$ Pj+ o; a}+saf6 hf/L PsLs[t lgb]{zg @)^* sf] lgb]{zg g+= ^ sf] a'Fbf g+= !, @ / ^ nufot k|rlnt P]g, lgod tyf lgb]{zg ljkl/t sfo{ u/]÷u/fPsf]n] g]kfn /fi6« a}+s P]g, @)%* sf] bkmf !)) sf] pkbkmf -@_ sf] v08 -u_ adf]lhd ?=% nfv hl/jfgf nufpg' gkg]{ s'g} sf/0f eP :kli6s/0f k]z ug{ ldlt @)^(.)%.@% df lgb]{zg lbOPsf] . ;+:yfsf dxfk|aGwsn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] Joj:yf nufotsf k|rlnt P]g, lgod, lgb]{zg tyf lgodgsf] pNn+3g u/]÷u/fPsf] x'Fbf g]kfn /fi6« a}+s P]g, @)%* sf] bkmf (% adf]lhd tyf a}+ls+u s;'/ tyf ;hfo P]g, @)^$ sf] kl/R5b -@_ adf]lhd a}+lsË s;'/ x'g] sfo{ u/]÷u/fPsf] b]lvPsf]n] lghnfO{ s;'/sf] ljj/0f ;lxt cfjZos cg';Gwfg, txlssft tyf sf/jfxLsf] nflu g]kfn /fi6« a}+s P]g, @)%* sf] bkmf (* adf]lhd g]kfn ;/sf/ tyf cGo ;DalGwt lgsfox?df ldlt @)^(.)^.)* n]vL k7fOPsf] .

9. j}ej kmfOgfG; ln= sf tTsflng k|jGw ;+rfnsn] o; a}+sjf6 hf/L lgb]{zg ljk/Lt cfkm"nfO{

k|fKt clVtof/L eGbf jflx/ uO{ shf{ ;'ljwf pknAw u/fO{ ;|f]t / ;fwgsf] b'?kof]u u/L ;+:yfnfO{ xfgL gf]S;fgL k'¥ofPsf] b]lvPsf]n] lghnfO{ g]kfn /fi6« a}+s P]g, @)%*, a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)^# tyf a}+lsË s;"/ tyf ;hfo P]g, @)^$ sf] bkmf & / ( jdf]lhd sf/jfxLsf]

50

nflu g]kfn ;/sf/, u[x dGqfno, s]Gb|Lo cg'';Gwfg Jo"/f], dxf/fhu+h, sf7df08f}df ldlt @)^(.!).@^ kqfrf/ ul/Psf] .

10. k|f]u]l;e kmfOgfG; ln=sf tTsfnLg cWoIf zDe' axfb'/ s]=zL= Pj+ gLhsf] ;d"xaf6 shf{ pkof]u u/]sf sf/0f gf]S;fgL Joj:yf yk ubf{ ;+:yfsf] k"FhLsf]if o; a}+sn] tf]s]sf] ;LdfeGbf sd /x]sf] b]lvPsfn] ldlt @)^*.^.$ af6 yk shf{ k|jfx ug{ /f]s nufOPsf] tyf cf=j= @)^&.^* df sfod ug{ kg]{ ;dfg'kflts r'Stf k"FhL sfod ug{ g;s]sf] sf/0f ldlt @)^*.!!.!& df yk shf{ k|jfx ug{ nufOPsf] /f]snfO{ lg/Gt/tf lbOPsf]df pQm sDkgL / nlntk'/ kmfOgfG; sDkgL ln= n] @)^(.$.!% df Ps cfk;df ufleg] ;DaGwL ;+o'Qm k|:tfj o; a}+sdf k]z u/]sf sf/0f ;+:yfx? uflePkl5 r'Qmf k"FhL ;d]t j[l4 eO{ ;dfg'kflts r'Qmf k"FhL k"/f x'g] / shf{ k|jfxdf /f]s nfu]sfn] pQm sDkgLsf] ;+rfng 3f6f a9\b} uPsf] ;Gbe{df shf{ k|jfxdf nufOPsf] /f]s @)^(.!@.!* sf] lg0f{o cg';f/ km's'jf ul/Psf] tyf s'n shf{sf] clwstdf ;Ldf ?=@* s/f]8 sfod ul/Psf] .

11. hfgsL kmfOgfG; ln= sf] ;~rfns ;ldltn] :jk|of]hgsf nflu elg ldlt @)^^.&.@* df ejg vl/b ug]{ lg0f{o u/]sf] / @)^^.*.! df ;f]sf cfwf/df ejg vl/b u/]sf] . ejg vl/b ug]{ ;DaGwL ;+:yfsf] cfly{s k|zf;g ljlgodfjnLdf s'g} k|lqmof gtf]lsPsf] tyf ejg vl/b ubf{ k|lqmof gk'/\ofPsf] / ;f] k|of]hgsf] nflu vl/b u/]sf] ejg cfkm"n] k|of]u gu/L ef8fdf nufPsf] kfOPsfn] o; a}+ssf] Plss[t lgb]{zg, @)^* sf] lgb]{zg g+= * -&_ pNn+3g ePsf] x'Fbf vl/bsf] lg0f{o tyf sfo{df ;+nUg ;~rfns, kbflwsf/L Pj+ dxfk|aGwsnfO{ ldlt @)^(.)&.)# sf] kqaf6 ;r]t÷gl;xt lbPsf] . ;fy} ;f] k|of]hgsf nflu vl/b ul/Psf] pQm ejg @)&) cfiff9;Dddf k|of]udf Nofpg'x'g lgb]{zg lbPsf] .

12. @)^( r}q d;fGt;Dd s'n ljQ sDkgLx?sf] ;+Vof ^$ /x]sf] . xfn;Dd g]kfn z]o/ dfs]{6\; P08

kmfOgfG; ln=, Soflk6n dr]{G6 a}+ls+u P08 kmfOgfG; ln=, lqmi6n kmfOgfG; ln=, s'a]/ dr]{G6 kmfOgfG; ln= / lxdfno kmfOgfG; ln= u/L hDdf % j6f ljQ sDkgLx? g]kfn /fi6« a}+s P]g, @)%* sf] bkmf *^v adf]lhd ;d:ofu|:t ljQLo ;+:yf 3f]if0ff ePsf], lkkN; kmfOgfG; lnld6]8nfO{ zL3| ;'wf/fTds sf/jfxL ljlgodfjnL adf]lhd sf/jfxL ePsf], OGe]i6f kmfOgfG; lnld6]8 :j]lR5s vf/]hLdf uO;s]sf] / ds]{06fOn kmfOgfG; sDkgL lnld6]8 :j]lR5s vf/]hLsf] k|lqmofdf /x]sf] tyf ;Demgf kmfOgfG; lnld6]8 vf/]hL k|lqmofdf /x]sf] . ;d:ofu|:t 3f]if0ff ePsf ;+:yfx?sf] l/hf]n';g 8]:s (resolution desk) af6 lgs6 cg'udg (close monitoring) e}/x]sf] / ;d:ofdf k/]sf s]xL ;+:yfx? ;'wf/sf] qmddf /x]sf] .

13. lg/LIf0f ;DkGg ePsf b]xfosf sDkgLx?sf] k|ltj]bg sfof{Gjogsf nflu yk lgb]{zg lbOPsf] .

!= g]kfn cfjf; ljQ sDkgL, tLgs'Gg], sf7df8f}+ . @= g]kfn kmfOgfG; ln=, sdnfbL, sf7df8f}+ . #= Pg=cfO{=l8=;L= Soflk6n dfs]{6 ln=, sdnkf]v/L, sf7df8f}+ .

51

$= gf/fo0fL g]zgn kmfOgfG; ln=,sflnsf:yfg, sf7df8f}+ . %= sf7df08f} kmfOgfG; ln=, l8NnLahf/, sf7df8f}+ .

^= lxdfno kmfOgfG; ln, ;'Gwf/f, sf7df8f}+ . &= o'lgog kmfOgfG; ln, gS;fn, sf7df8f}+ . *= u'8ljn kmfOgfG; ln, l8NnLahf/, sf7df8f}+ . (= >L OGe]i6d]G6 P08 kmfOgfG; sDkgL ln=, l8NnLahf/, sf7df8f}+ .

!)= nlntk'/ kmfOgfG; sDkgL ln=, nugv]n, nlntk'/ .

52

v08 v08 v08 v08 ----r_r_r_r_ gLlt, of]hgf / cfGtl/s gLlt, of]hgf / cfGtl/s gLlt, of]hgf / cfGtl/s gLlt, of]hgf / cfGtl/s

k|zf;g;+u ;DalGwt ultljlw k|zf;g;+u ;DalGwt ultljlw k|zf;g;+u ;DalGwt ultljlw k|zf;g;+u ;DalGwt ultljlw

53

v08 v08 v08 v08 ----r_r_r_r_

gLlt, of]hgf / cfGtl/s gLlt, of]hgf / cfGtl/s gLlt, of]hgf / cfGtl/s gLlt, of]hgf / cfGtl/s k|zf;g;+u ;DalGwt ultljlwk|zf;g;+u ;DalGwt ultljlwk|zf;g;+u ;DalGwt ultljlwk|zf;g;+u ;DalGwt ultljlw

cf=j= @)^*.^( df tTsfnLg cj:yfdf /x]sf] ljQLo ;+:yf ;'kl/j]If0f ljefunfO{ @)^*.)*.)! df ljsf; a}+s ;'kl/j]If0f ljefu tyf ljQ sDkgL ;'kl/j]If0f ljefudf ljefhg ul/Psf] / ;f]xL cg';f/ ljefuLo sfo{ ;Dkfbg eO/x]sf] 5 .

!=!=!=!= hgzlQm MhgzlQm MhgzlQm MhgzlQm M ljefudf s'n $! hgf sd{rf/Lx?sf] b/aGbL /x]sf]df @)^( r}q d;fGtdf clws[t :t/sf $#,

;xfos :t/sf ! / sfof{no ;xof]uL:t/sf @ hgf u/L b]xfo jdf]lhdsf $^ hgf sd{rf/Lx? sfo{/t /x]sf 5g\ .

qm=;+=qm=;+=qm=;+=qm=;+= gfdgfdgfdgfd qm=;+=qm=;+=qm=;+=qm=;+= gfdgfdgfdgfd sfo{sf/L lgb]{zssfo{sf/L lgb]{zssfo{sf/L lgb]{zssfo{sf/L lgb]{zs @$ >L k|]dnfn 1jfnL

! >L cZjLgLs'df/ 7fs'/ @% >L /fh]zk|;fb zdf{ lgb]{zslgb]{zslgb]{zslgb]{zs @^ >L tf/fk|;fb cf]emf

@ >L Vofdgf/fo0f 9sfn @& >L hulbz k|;fb cf]emf # >L e'jg s8]n @* >L /fds'df/ s]=;L= $ >L an/fd k/fh'nL @( >L k|sfz >]i7

pkpkpkpk––––lgb]{zslgb]{zslgb]{zslgb]{zs #) >L ;+lhas'df/ emf % >L /laGb| s'df/ vgfn #! >L /fdrGb| e§/fO{ ^ >L an/fd kf}8]n #@ >L Zofdk|;fb 9sfn & >L ?b| axfb'/ l3ld/] ## >L lzjk|;fb kxf/L * >L /fh]Gb| e§/fO{ #$ >L lji0f'k|;fb pkfWofo ( >L xl/k|;fb ;'j]bL #% >L lbnaxfb'/ ;'Aaf !) >L nIdLk|;fb k|;fO{ #^ >L /ljk|sfz dhu}of !! >L ;Gtf]ifs'df/ l3ld/] #& >L s'j]/ yfkf !@ >L ;'lgtf >]i7 #* >L xl/ZrGb| 9sfn !#= >L ltnaxfb'/ u'?Ë #( >L k'?iff]Qd vltj8f !$ >L /Tg]Zj/nfn s0f{ $) >L wL/]Gb|s'df/ cf/=;L= !% >L s0f{uf]kfn >]i7 $! >L /fh' >]i7 !^ >L a'4/fh zdf{ $@ >L lzjgfy of]uL !& >L lgZrn clwsf/L

;xfos;xfos;xfos;xfos lgb]{zslgb]{zslgb]{zslgb]{zs ;xfos lgb]{zs ;xfos lgb]{zs ;xfos lgb]{zs ;xfos lgb]{zs ----sDKo'6/_sDKo'6/_sDKo'6/_sDKo'6/_ !* >L bLks ;fksf]6f $# >L aL/]Gb|s'df/ >]i7

!( >L d's'Gb/fh kf}8]n pkpkpkpk––––;xfos;xfos;xfos;xfos

@) >L b'u]{zuf]kfn >]i7 $$ >L dw' k'8f;}gL @! >L x]dgfy lqkf7L sfof{no ;xof]uLsfof{no ;xof]uLsfof{no ;xof]uLsfof{no ;xof]uL @@ >L df]xgk|;fb e§/fO{ $% >L xl/k|;fb s'Os]n @# >L sfhL/fd sfsL{ $^ >L z}n' hf]zL

54

@=@=@=@= jflif{s sfo{ of]hgfjflif{s sfo{ of]hgfjflif{s sfo{ of]hgfjflif{s sfo{ of]hgf MMMM

o; ljefusf] cfly{s jif{ @)^*.^( sf] jflif{s sfo{ of]hgfsf] k|ult ljj/0f b]xfo cg';f/ /x]sf] 5 . l;g+ sfo{ ljj/0f ef/fÍ k|ult ljj/0f != :ynut lg/LIf0f ug'{kg]{ ;+:yfx? – 1

!=! ;dli6ut :ynut lg/LIf0f – ^(

^) j6fsf] lg/LIf0f ;Dkfbg ePsf] -*& % sfo{ k'/f ePsf]_

!=@ nlIft lg/LIf0f – @ ;Dkfbg ePsf]

!=#= cg'udg lg/LIf0f – cfjZostf cg';f/

7 j6fsf] lg/LIf0f ;Dkfbg ePsf

!=$= ljz]if lg/LIf0f – cfjZostf cg';f/

18 j6fsf] lg/LIf0f ;Dkfbg ePsf

@= qodfl;s k|ltj]bg tof/L tyf k|sfzg

1 ;Dkfbg e};s]sf] k|To]s ljQLo ;+:yfx?sf] qodfl;s u}/:ynut ;'kl/j]If0f k|ltj]bg tof/ ug]{ . –

#=

ljQ sDkgLx?sf] ;fwf/0f ;ef (AGM Clearance) k|of]hgsf] nflu jflif{s u}/:ynut ;'kl/j]If0f k|ltj]bg tof/ ug]{ . – cfjZostf cg';f/

1

;Dkfbg e};s]sf]

$= aflif{s k|ltj]bg tof/L tyf k|sfzg ug]{ . –

1 ;Dkfbg e};s]sf]

%= clgjfo{ gub df}Hbft cg'kft (CRR) sf] cg'udg u/L k|ltj]bg tof/ ug]{ .

1 ;Dkfbg e};s]sf]

^= j}wflgs t/ntf cg'kft (SLR) sf] cg'udg u/L dfl;s k|ltj]bg tof/ ug]{ .

1 ;Dkfbg e};s]sf]

&= k|of]hg cg';f/sf] shf{ ljj/0fsf] dfl;s cg'udg ug]{ .

1 ;Dkfbg e};s]sf]

*= ljkGg ju{ shf{ (Deprived Sector Lending) sf] cg'udg ug]{ .

1 ;Dkfbg e};s]sf]

(= zL3| ;'wf/fTds sf/jfxL (PCA) nufot\sf ;'kl/j]If]sLo k|of]hgsf nflu ljQ sDkgLx?sf] k'+hL kof{Kttf ;DaGwdf dfl;s k'g/fjnf]sg ug]{ .

1

;Dkfbg e};s]sf]

!) ljQ sDkgLx?sf] shf{, lgIf]k, shf{÷lgIf]k cg'kftsf] cg'udg / shf{÷lgIf]k k|fylds k'+hL cg"kftsf] cg"udg ug]{ .

1

;Dkfbg e};s]sf]

55

!! t/ntf cg'udg ;DjGwL gof+ 9f+rfsf cfwf/df ljQ sDkgLx?sf] ;fKtflxs / dfl;s t/ntf ljZn]if0f tyf cg'udg ug]{ .

1

;Dkfbg e};s]sf]

56

cg';"rLx¿cg';"rLx¿cg';"rLx¿cg';"rLx¿

57

cg';"rL !

ljQ sDkgLx?sf] gfdfjnLljQ sDkgLx?sf] gfdfjnLljQ sDkgLx?sf] gfdfjnLljQ sDkgLx?sf] gfdfjnL ----@)^( cfiff9_@)^( cfiff9_@)^( cfiff9_@)^( cfiff9_

qm=;+=qm=;+=qm=;+=qm=;+= ljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfdljQ sDkgLsf] gfd k|wfg sfof{nok|wfg sfof{nok|wfg sfof{nok|wfg sfof{no

!= g]kfn cfjf; kmfOgfG; ln= gofFafg]Zj/, sf7df8f}+ @= g]kfn kmfOgfG; ln= k'tnL;8s, sdnfbL, sf7df8f}+ #= Pg=cfO=l8=;L=Soflk6n dfs]{6 ln= sdnkf]v/L, sf7df8f}+ $ gf/fo0fL g]zgn kmfOgfG; ln= Sflnsf:yfg, sf7df8f}+ %= g]kfn z]o/ dfs]{6 P08 kmfOgfG; ln= /fdzfxky, sf7df8f}+ ^= lkkN; kmfOgfG; ln= lqk'/]Zj/, sf7df8f}+ &= ds]{06fOn kmfOgfG; s+= ln= aL/u~h, k;f{ *= sf7df08f} kmfOgfG; ln= l8NnLahf/,sf7df8f}+ ( lxdfno kmfOgfG; ln= ;'Gw/f, sf7df8f}+ !)= o'lgog kmfOgfG; ln= sdnfbL, sf7df8f}+ !! uf]/vf kmfOgfG; ln= xfQL;f/, sf7df8f}+ !@ klZrdf~rn kmfOgfG; s+= ln= a'6an, ?kGb]xL !#= g]kfn xfplhË P08 dr]{06 kmfOgfG; ln= l8NnLahf/, sf7df8f}+ !$ u'8ljn kmfOgfG; ln= xfQL;f/, sf7df8f}+ !%= l;4fy{ kmfOgfG; ln= l;4fy{gu/, ?kGb]xL !^= >LOGe]i6d]06 P08 kmfOgfG; s+= ln= l8NnLahf/, sf7df8f}+ !& n'lDagL kmfOgfG; P08 lnlhË s+= ln= 7d]n, sf7df8f}+ !* otL kmfOgfG; s+= ln= x]6f}8f, dsjfgk'/ !( O06/g]zgn lnlhË P08 kmfOgfG; s+= ln= gofF afg]Zj/, sf7df8f}+ @) dxfnIdL kmfOgfG; ln= k'tnL;8s, sf7df8f}+

@! nlntk'/ kmfOgfG; ln= nugv]n, nlntk'/

@@ o'gfO6]8 kmfOgfG; ln= b/jf/dfu{, sf7df8f}+ @#= hg/n kmfOgfG; ln= rfalxn, sf7df8f}+ @$= k|f]u|]l;d kmfOgfG; s+=ln= Go"/f]8, sf7df8f}+ @%= PlNks Pe/]i6 kmfOgfG; ln= sf7df8f}+ dn, sf7df8f}+ @^= gjb'uf{ kmfOgfG; sDkgL ln= Otf5]+, eQmk'/ @&= hfgsL kmfOgfG; sDkgL ln= hgsk'/wfd, wg'iff

@*= kf]v/f kmfOgfG; ln= kf]v/f, sf:sL @(= ;]G6«n kmfOgfG; ln= s'k08f]n, nlntk'/ #)= lk|ldo/ lkmgfG; sDkgL ln= s'df/Lkf6L, nlntk'/ #!= c?0f kmfOgfG; ln= w/fg, ;'g;/L #@ dN6Lk/k; lkmgfG; s+= ln= /fhlj/fh, ;Kt/L ##= a'6jn kmfOgfG; ln= a'6jn, ?kGb]xL

#$ ;[hgf kmfOgfG; ln= lj/f6gu/, df]/Ë

#% cf]d kmfOgfG; ln= kf]v/f, Go"/f]8

#^= l;=Pd=lj= kmfOgfG; ln= sdnfIfL, sf7df8f}+ #&= jN8{ dr]+06 a}lsË P08 kmfOgfG; s+= ln= x]6f}8f, dsjfgk'/

#*= Soflk6n dr]{06 a}lsË P08 kmfOgfG; ln= alQ;k'tnL, sf7df8f}+ #(= lqmi6n kmfOgfG; ln= afub/jf/, sf7df8f}+

$)= /f]on dr]{06 a}lsË P08 kmfOgfG; ln= b/af/dfu{, sf7df8f}+

58

$!= u'x]Zj/L dr]{06 a}lsË P08 kmfOgfG; ln= k'Nrf]s, nlntk'/

$@= kf6g kmfOgfG; ln= k'Nrf]s, nlntk'/ $# km]jf kmfOgfG; ln= kf]v/f, sf:sL $$ Pe/]i6 kmfOgfG; ln= l;4fy{gu/, ?kGb]xL

$%= k'|8]G;Lon kmfOgfG; s+= ln= l8NnLahf/, sf7df8f}+ $^= cfO{=l;=Pkm=;L= kmfOgfG; ln= ef6e6]gL, sf7df8f}+ $&= ;u/dfyf dr]{06 a}+lsË P08 kmfOgfG; ln= dfgejg, nlntk'/ $*= l;len dr]{G6 ljQLo ;+:yf ln= s'n]Zj/, sf7df8f}+ $(= k|e' kmfOgfG; s+= ln= n}grf}/, sf7df8f}+ %)= O{Dk]/Lon kmfOgfG; ln= yfkfynL, sf7df8f}+

%!= s'j]/ dr]{G6 kmfOgfG; ln= sdnkf]v/L, sf7df8f}+ %@= g]kfn PS;k|]; kmfOgfG; ln= ;'Gwf/f, sf7df8f}+=

%#= EofnL kmfOgfG; ln= dxf/fhu~h, sf7df8f}+

%$= ;]tL kmfOgfG; ln= l6sfk'/, s}nfnL %%= xfdf dr]{06 P08 kmfOgfG; ln= lqk'/]Zj/, sf7df8f}+

%^= l/nfoan kmfOgfG; ln= ;'Gwf/f, sf7df8f}+ %&= clk kmfOgfG; ln= n]vgfyrf]s, sf:sL %*= gd:t] ljlQo ;+:yf ln= 3f]/fxL, bfË

%(= sf:sL kmfOgfG; ln= kf]v/f, sf:sL ^)= h]lgy kmfOgfG; ln= Go"/f]8, sf7df8f}+ ^!= o'lgs kmfOgfG; ln= k'tnL;8s, sf7df8f}+ ^@= d~h'>L kmfOgfG; OlGi6Ro"zg ln= gofFafg]Zj/, sf7df8f}+

^#= z'enIdL kmfOgfG; ln= gS;fn, sf7df8f}+ ^$= h]ljN; kmfOgfG; ln= Go"/f]8, sf7df8f}+ ^%= l/nfoG; kmfOgfG; lnld6]8 k|bz{gLdfu{, sf7df8f}+ ^^= nf]6; OGe]i6d]06 kmfOgfG; ln= Go"/f]8, sf7df8f}+ ^&= a}ej kmfOgfG; ln= gofFafg]Zj/, sf7df8f}+

^*= etmk'/ kmfOgfG; s+= ln= Rofdl;+x, eQmk'/