ccaacc annual report

7/30/2019 CCAACC Annual Report

1/22

FY 1=01:

@ YC@Q IE QCVIC_


2/22

W@ALC NF BNEWCEWR

@srwie @crnkcecrr

Bhìqkè èg ]qcrigcewr Kcrròc

BB@@BB

Rwq`wcoy eg ]qnoq`kr

BB@@BB Ie whc Ecr

S}bnkieo Cvcewr

BB@@BB Ec Hc`gps`qwcqr

7

6

0=

1=

2=

27

7=

_CLBNKC WN@SRWIE, WCX@R


3/22

?9=,29=

@SRWIE @_CRNKCECRR

Fnqacr b`llr @srwie @kcqib`r En% 0

Annk Wne Jsly 1=00

Whc Asriecrr Jnsqe`lr qèdcg @srwie

whc "0 Hnwwcrw R}nw wn Rw`qw ` Rk`ll

Asriecrr, Jsly 1=00

@srwie ir qèdcg "0 ne Di}lieocqr lirw nf

whc Acrw Biwicr fnq whc Ecxw Gcb`gc,

K`y 1=0=

@srwie ir whc Wn} S%R% Biwy fnq Ynseo

@gslwr, Asriecrr Jnsqe`lr, Jsec 1=00

BEAB qèdr @srwie `r nec nf whc Acrw

Biwicr wn Qclnb`wc wn ie @kcqib`,

Gcbckacq 1=0=

]n}sl`wine, 1=0=

8%0#

Al`bd ]n}sl`wine, }cqbcew, 1=0=

8=,381

Wnw`l eskacq nf fiqkr, 1==?

2%9#

Al`bd+necg fiqkr, }cqbcew, 1==?

7 @srwie @crnkcecrr @srwie @crnkcecrr 3

Iw gncrew ocw ksbh acwwcq whè whir%


4/22

BH@IQK@E @EG ]QCRIGCEW@rhwne Bskacqa`wbh, Jq% | E`w`lic K`gciq` Bnclg


5/22

Gc`q BB@@BB Bnkkseiwy Kckacq & ]`qwecqr:

Iw h`r acce ky girwiebw }qivilcoc wn rcqvc `r whc Bhìqkè ie 1=01% Whir yc`q h`r

aqnsohw ksbh wqèriwine èg ieenv`wivc bhèoc wn whc Bh`kacq, hcl}ieo wn k`dc sr

nec nf whc knrw `bbnk}lirhcg @fqibè+@kcqibè Bh`kacqr ie whc e`wine%

_c hn}c yns h`vc h`g whc n}}nqwseiwy wn w`dc `gvèwòc nf whc eskcqnsr kckacq

acecfiwr whc Bh`kacq h`r wn nffibc èg wh`w yns ill bnewiesc wn }`qwecq iwh sr

whqnsohnsw 1=02 `r c h`vc ` eskacq nf vcqy cxbiwieo }qnoq`kr èg }`qwecqrhi}r

}lèecg%

Fqnk nsq @ees`l @`qgr O`l` wn nsq Al`bd Clcbwcg Nffibi`lr qcbc}wine èg bnkks+

eiwy lc`gcqrhi} ``qgr wn nsq ec èg cxirwieo asriecrr èg ecwnqdieo }qnoq`kr,

whc Bh`kacq wqsly gncr h`vc rnkcwhieo fnq cvcqynec%

_c hn}c wh`w yns fieg whc Bh`kacq wn ac è cxbcllcew qcrnsqbc èg bneecbwnq `r

yns bnewiesc wn oqn èg whqivc, èg }q`y wh`w yns }qnr}cq ie `ll `yr ie 1=02%

]lc`rc qc`g whc ]qcrigcewr kcrròc wn `r cll `r whc qcrw nf whir yc`qr èes`l qc}nqw

wn lc`qe knqc ànsw whc yc`q wh`w `r fnq BB@@BB ieblsgieo, _hiwc Hnsrc aqicfieor,

iewcqe`wine`l wq`gc kirriner, èg nsq fiqrw @ees`l BB@@BB | Bneoqcrrine`l Al`bd

B`sbsr Fnseg`wine ]nliby Wqi}%

I nslg `lrn lidc wn w`dc whir knkcew wn `bdenlcgoc èg cx}qcrr `}}qcbi`wine fnq

nsq ]qcrigcewr èg An`qgr rioeifibèw lc`gcqrhi}, giliocebc, bqc`wiviwy, ègbnkkiwkcew wn nsq bnkkseiwy%

@rhwne Bskacqa`wbh, Jq%

BB@@BB An`qg Bhìq 1=01+1=02

Bhìqkèr Kcrròc@rhwne Bskacqa`wbh Jq%

Gc`q BB@@BB Kckacqr & Ocecq`l Asriecrr Bnkkseiwy:

Iw h`r acce è hnenq èg }qivilcoc wn rcqvc `r whc ]qcrigcew & BCN fnq whc B`}iw`l

Biwy @fqibè @kcqibè Bh`kacq nf Bnkkcqbc ie 1=01%

Riebc nsq fnsegieo ie 0981, whc B`}iw`l Biwy @fqibè @kcqibè Bh`kacq nf

Bnkkcqbc h`r gcgib`wcg iwrclf wn }qnvigieo `rrirwèbc wn `ll rk`ll asriecrrcr iwhie

whc Oqc`wcq @srwie qcoine% _c rwqneoly aclicvc wh`w `ll asriecrrcr rhnslg ac oivce

whc n}}nqwseiwy wn qc`bh whciq fsll }nwcewi`l% Enw nely gncr whc Bh`kacq }qnvigc

`vcescr fnq rk`ll asriecrrcr wn o`whcq fsqwhcq `rrirwèbc, asw `lrn, whc Bh`kacq

nffcqr wqìeieo èg ecwnqdieo n}}nqwseiwicr fnq iegivigs`lr èg asriecrrcr wn

cx}èg whciq viriailiwy iwhie whc bnkkseiwy%

Whc }`rw yc`q `r fillcg iwh qck`qdàlc `bbnk}lirhkcewr wh`w h`vc bqc`wcg ` rnlig

fnseg`wine fnq whc bh`kacq wn acwwcq rs}}nqw @fqibè+@kcqibè bnkkcqbc ie whc

qcoine èg I `k bnefigcew whir nqoèiz`wine ill bnewiesc wn cxbccg cx}cbw`winer%

Whir yc`q whc bh`kacq gcknerwq`wcg wh`w iw h`r whc hcqciwh`l wn q c}qcrcew whc

@fqibè+@kcqibè asriecrr bnkkseiwy, oìe èg kìewìe ynsq wqsrw èg

bnefigcebc, èg whc ieocesiwy wn iewqngsbc ieiwi`wivcr wn `wwq`bw ec asriecrrcr èg

iebqc`rc whc `bskce nf lnb`l fiqkr%

_c h`vc w`dce rwc}r wn rh`q}ce whc fnbsr nf whc Bh`kacqr `bwiviwicr ne whc eccgr

nf whc seipsc asriecrr bnkkseiwy ie whc oqc`wcq @srwie qcoine, ay gcvcln}ieo `

rwq`wcoib virine fnq hn c bè acrw `gvèbc whc cll+acieo nf nsq gye`kib èggivcqrc kckacqrhi}% _c h`vc gcvcln}cg è nqoèiz`wine`l rwqsbwsqc fnq whc fswsqc

wh`w bnewiescr wn k`dc oqc`w rwqigcr ne ach`lf nf lnb`l rk`ll asriecrrcr èg

@fqibè+@kcqibè bnkkseiwy%

_c qcbnoeizc wh`w c `qc nely `r rwqneo `r nsq kckacqr, èg whc Bh`kacq ir

bnewiesnsrly nqdieo wn hcl} cehèbc whc asriecrrcr wh`w k`dc nsq nqoèiz`wine è

ieflscewi`l `llièbc% _c `qc }lc`rcg wn }qcrcew whir èes`l qc}nqw hibh hiohliohwieo

nsq `bwiviwicr, èg yns, gsqieo 1=00 èg 1=01%

Riebcqcly,

E`w`lic K`gciq` Bnficlg

]qcrigcew & Bhicf Cxcbswivc Nffibcq

]qcrigcewr KcrròcE`w`lic K% Bnficlg

8 Bhìqkè èg ]qcrigcew Bhìqkè èg ]qcrigcew 9


6/22

BB@@BBKirrine | An`qg Giqcbwnqr | Kckacqrhi}


7/22

Nsq KirrineWhc B`}iw`l Biwy @fqibè+@kcqibè B h`kacq nf Bnkkcqbc (BB@@BB) }q nknwcr whc

gcvcln}kcew nf @fqibè+@kcqibè asriecrrcr èg whc cx}èrine nf whc Oqc`wcq @srwie

asriecrr bnkkseiwy ay }qnvigieo qcrnsqbcr, wcbheib`l `rrirwèbc, èg lc`gcqrhi} ne

}nliby irrscr wh`w cehèbc cbnenkib oqnwh èg ay }qnknwieo bnevcewine èg wnsqirk%

Nsq Virine

Rcqvieo `r ` aqigoc fnq @fqibè+@kcqibè

asriecrrcr èg whc Oqc`wcq @srwie asriecrr

bnkkseiwy wn nawìe oqc`wcq }qnr}cqiwy èg

ieflscebc iwhie Bcewq`l Wcx`r%

Nsq Bnkkseiwy

_h`w k`dcr whc Bh`kacq cffcbwivc> Whc

rwqceowh nf nsq kckacqr% ]ncqcg ay whc

bnllcbwivc ieflscebc nf lnb`l asriecrrcr èg

nsq rwq`wcoib }`qwecqr, whc Bh`kacq ir

seipscly }nriwinecg wn b`}wsqc

n}}nqwseiwy èg `gvèbc ` asriecrr

òceg`% Kckacq+gqivce }qnoq`kr,

ieiwi`wivcr èg }nlibicr bqc`wc ` }l`wfnqk fnq

asriecrr bneecbwiner, }qnfcrrine`l

gcvcln}kcew èg bnkkseiwy ievnlvckcew%

Nsq Hirwnqy

Whc B`}iw`l Biwy Bh`kacq nf Bnkkcqbc `riebnq}nq`wcg ie 0981% Fnsegcg ay clcvce

bnkkseiwy, }nliwib`l èg asriecrr lc`gcqr

iwhie @srwie, whc nqoèiz`wine `r

crwàlirhcg wn aqieo ``qcecrr wn whc

cenqknsr `knsew nf gnll`qr ocecq`wcg

fqnk al`bd bnerskcqr ie whc fnqk nf wq`vcl

èg wnsqirk iwhie whc on`l nf }qnvigieo

cbnenkib }qnr}cqiwy fnq @fqibè+@kcqibè

asriecrrcr èg whc ocecq`l Oqc`wcq @srwie

qcoine%

Nsq V`lscr

BB@@BB cxirwr wn gclivcq whc b`}iw`l wn nsq

kckacqr, whc @fqibè+@kcqibè èg

Oqc`wcq @srwie Asriecrr Bnkkseiwy% Nsq

fivc }ill`qr nf rcqvibc:

@gvnb`by @bbcrr wn B`}iw`l Bnewq`bwieo Cewqc}qcecsq Wqìeieo Bh`kacq Gcvcln}kcew

01 BB@@BB BB@@BB 02

BB@@BB èg SRAB

BB@@BB An`qg nf Giqcbwnqr

An`qg Giqcbwnqr

@rhwne Bskacqa`wbh, Jq% (Bhìq)

Vibc ]qcrigcew, @gvnb`by èg Bnkkseiwy

Qcl`winer

Rcwne Hc`lwhb`qc Ecwnqd

Ocec A% KbKce`kie (Wqc`rsqcq)

Ocecq`l Kèòcq

Nkei Gnewne

Qnocq G`vir (Rcbqcw`qy)@bbnsewèw

2K

Qnai`se Bh`qlcr

@rrirwèw Vibc ]qcrigcew nf Givirine nf Givcqriwy

èg Bnkkseiwy Ceoòckcew

Seivcqriwy nf Wcx`r `w @srwie

]`wqibi` H`ycr

]qiebi}`l.Necq

]VH Bnerslwieo Oqns}, LLB%

O`qy Liegcq

]qcrigcew & BCN

]cn}lcFseg

Jnybc KbGne`lg

Cxcbswivc Giqcbwnq èg Bn+Fnsegcq

Fq`kcnqdr Bnkkseiwy

Gcvcln}kcew Bnq}nq`wine, Ieb%

Kibh`cl KbLceeè

]qcrigcew & BCN

Dcc}iwGioiw`l

Rwcvc _èw`

Cxcbswivc ]qnoq`k Giqcbwnq

_hnlc Fnngr K`qdcwr Fnseg`wine

Gq% Qngcqibd Rknwhcqr

Vibc ]qcrigcew fnq Ierwiwswine`l

@gvèbckcew

Hsrwne+Willnwrne Seivcqriwy

B`ql Hsewlcy(QCWIQCG JSLY 1=01)


8/22

07 BB@@BB BB@@BB 03

Bnq}nq`wc Kckacqr

Fieèbi`l Lcvcl Nvcqvic

(OCECQ@L BB@@BB ]HNWN)

Kckacqrhi}

Bnq}nq`wc

Rk`ll Asriecrr

'083 + '0,===

'13 + '0==

'13= + '3==

'1,3== + '0=,===

Ene+]qnfiw.Onvcqekcew

Iegivigs`lr

Bnkkseiwy ]`qwecqr

Gcll

IAK

HCA

2K

B]R Cecqoy

Fqnrw E`wine`l Aèd

Hclcww ]`bd`qg

B`}iw`l Kcwqn

Nkei Hnwcl

R`krseo

Rcwne Hc`lwhb`qc F`kily

ORG&K

Rw`wc F`qk Iersqèbc

Seivcqriwy nf Wcx`r `w @srwie

_cllr F`qon Aèd

Whc Seivcqriwy nf Wcx`r `w @srwie

Givirine nf Givcqriwy èg Bnkkseiwy

Ceoòckcew

Biwy nf @srwie

@srwie @kcqibè+Rw`wcrkè

@srwie O`y & Lcraiè Bh`kacq

nf Bnkkcqbc

@srwie Bh`kacq nf Bnkkcqbc

Aq`zil+Wcx`r Bh`kacqr nf Bnkkcqbc

Wcx`r F`biliwicr Bnkkirrine

E`wine`l @rrnbi`wine nf Al`bd

@SRWIE IR WHC WN]S%R% BIWY FNQ

YNSEO @GSLWRAsriecrr Jnsqe`lr, Jsec 1=00

@bbnsewèwr

E`wine`l Al`bd KA@ @rrnbi`wine

Whc Seivcqriwy nf Wcx`r `w @srwie

Wcx`r Bnkkirrine nf Ceviqnekcew`l Ps`liwy

Bnlnq nf Wcbh

@srwie @qc` Sqaè Lcòsc

Al`bd ]qnfcrrine`l @llièbc

Oqc`wcq @srwie Bh`kacq nf Bnkkcqbc

Oqc`wcq @srwie Hir}èib Bh`kacq

nf Bnkkcqbc

Oqc`wcq @srwie @riè Bh`kacq nf Bnkkcqbc


9/22

00wh Rwqccw Rw`wine Qcrw`sqèw & A`q

60 Aqnwhcqr LLB

@@@ Wcx`r Blsa Rcqvibc, LLB

@@Q] Wcx`r

@fqibè Lc`gcqrhi} Aqigoc

@ll Biwicr Knqwoòc

@llce Jnherne

@kcqibè Bèbcq Rnbicwy@kcqibè Giàcwcr @rrnbi`wine

@kcqibè Hc`qw @rrnbi`wine

@egcqrne, Kneib`

@}nocc Clckcewr

@}qil H`whnqec

@W&W

@srwie Bnkkseiwy Bnllcoc

@srwie Fiqc Gc}`qwkcew

@srwie O`y & Lcraiè Bh`kacq nf

Bnkkcqbc

@srwie Iegc}cegcew Rbhnnl Girwqibw

@srwie ]nlibc @rrnbi`wine

@vcbKngc

A`qecr, Jni

Al`bdr ie Wcbhenlnoy

Alnooieo _hilc Aqne

Angy Wqìecqr

AnsecfwibB`lgcll, Lcc

B`} Biwy Kcg Rs}}ly

B`}iw`l Cxb`v`wine Bnk}èy

B`}iw`l Igc`

B`}iw`l Kcwqn

B`}iwnl Bqcgiw Seine

B@R@ nf Wq`vir Bnsewy

B`rwlc Wcbhnlnoy Oqns}

Bcewq`l @srwie @swn Gcwìl

Bhilg Ieb%

Bhnibc Ievcrwkcewr

Bhqir H`ynng

Biwy nf @srwie+@srwie _`wcq Swiliwy

BJ Wsqecq

Blckner, Bhcqi

Bnb`+Bnl` Cewcq}qircr Anwwlieo Bnk}èicrBnkkseiwy B`qc

Bnq` _qiohw

B]R Cecqoy

G`qqce Knrcr

G@W@VIRC Iefnqk`wine Wcbhenlnoy Rcqvibcr

Gcll

Gckiwq` @lcxègcq

C`rwrigc B`f

Cbn Bhib Flnq`l

CbnOqig Cecqoy

Cg`qg Jnecr (Rh`lè` G% ]nnlc)

F`qkcqr Iersqèbc

Fccl Qibh, Ieb%

Fcclqibh

Fnseg`wine Bnkkseiwicr

Fq`kcnqdr BGB

Fqèbcr Jnecr

Fqnrw AèdO`qqcww, ZÒlnqi` Gicrh`

Ocecrir E`wine`l Hc`lwhb`qc

Onngill Iegsrwqicr

Oq`bc

Oqc`wcq Wcx`r Fcgcq`l Bqcgiw Seine

ORG&K

H`qwAc`w ]qngsbwiner

H`whnqe, @}qil

06 BB@@BB BB@@BB 0?

1=00.1=01 FY Kckacqr

]qcrcew`wine nf whc ]l`pscr + 1=01 Al`bd Clcbwcg Nfbi`lr ]qnoq`k

Hnenqàlc Qneeic KbGne`lg, Hnenqàlc _ilhclkie` Gclbn & Jncll`

Aqnndr

Hc`w`vc Iewcq`bwivc

HCA

HclinVnlw Bnq}nq`wine

Hclcww ]`bd`qg

Hill Bnsewqy Bnercqvèby

Hilwne Hnwcl+Gnewne

Hngoc

Hnlig`y Iee + Kigwne

Hnllèg, Lcne

Hnr}ibc @srwie

Hsrwne+Willnwrne Bnllcoc

I Bè Gn Wh`w

IAK

IB1 Ierwiwswc `w whc Seivcqriwy nf Wcx`r

@w @srwie

IkòcEcw Bnerslwieo

Ik}cqi`l Qc`lwy

Iefnqk`wine Wcbhenlnoy Iegsrwqy

Bnsebil

Ieenvn (Olna`l Bnersk% Ieenv%)

J`bdrne _`ldcq LL]

J`bdrne, Qnace`

Jcffqcy @eynki

Jnherne, @llce

J]Knqoè Bh`rc Aèd

JW@ Flnnqieo

DAGB

DGH Selikiwcg Cvcewr

Dcc} iw Gioiw`l

Dcllcq+_illi`kr Qc`lwy

Dceecwh _illi`kr

L`virh B`dcr & B`wcqieo


10/22

NEC NF WHC ACRWBIWICR WN QCLNB@WC

WN IE @KCQIB@BEAB, Gcbckacq 1=00

08 BB@@BB BB@@BB 09

1=00.1=01 FY Kckacqr(Bnewiescg)

Lco`by _nkce Iewcqe`wine`l Ierwiwswc

Lco`lRhiclg

Lco`lznnk

Li}}kè, Vibwnqi`

Lneo Bcewcq, Whc

Lscllce, Vibdi

K`jcrwib Gcrioe Oqns}

K`qilye Gcce

Kc`gc

Kcgi` Bnkkseib`wine Bnsebil

Kibh`cl B`k}acll

Kibh`cl Wqikalc

Kidc @g`kr Cewcq}qirc

Kieswckè ]qcrr

Kiwbhcll, B`qnl

Kiwbhicr O`llcqy

Ksrwèo Wcbheib`l Bnerslwèwr, Ieb%

E@KI @srwie

E`wineigc Iersqèbc

E`wine`l @rrnbi`wine nf Al`bd

@bbnsewèwr

E`wine`l A`rdcw A`ll Gcvcln}kcew

Lcòsc (@srwie Wnqnr)

E`wine`l Al`bd KA@

E`wine`l Fnqsk fnq Al`bd ]salib

@gkieirwq`wnqrEC Vcewsqcr

Nkei @srwie Hnwcl Gnewne

]%G% Knqqirne Cewcq}qircr, Ieb%

]c`qrne

]cn}lcFseg

]ivnw Ecwnqdr

]nds

]qc+]ìg Lco`l Rcqvibcr, Ieb%

]qcrr Ecxw Kcgi`

]qcwwy Blcè @swn Gcwìlieo Rcqvibc Ieb%

]qikcqib` Fieèbi`l Rcqvibcr

]VH Bnerslwieo Oqns}

Q%L%_qiohw, QC@LWNQR

Q`girrne+Enqwh

Q`gKcgX

Qc}% Cggic Qngqipscz

Qnace` J`bdrne

Qnacqw L% _qiohw Qc`lwnqr

Qneeic KbGne`lg

Qsay Jès`qy

R`lcrVs

R@K, Ieb%

R`krseo

Rèbhcz, K`qine

Règcqr\_ieon

RC2

Rc`y Oqns} (Whc)

Rcwne F`kily nf Hnr}iw`lr

Rnl`q Jnnbc

Rnei` Oìll`qg

Rnswhcrw Dcy ]qnoq`kr

Rw J`kcr C}irbn}`l Rbhnnl

Rw`wc F`qk Iersqèbc Bnk}èicr+Ol`rbn

Rwcfèic L% R}cllrRwq`wcoib Ievcrwkcew Kèòckcew

Rwq`ycq Seivcqriwy

W`rh` C% Qnalcr

WcczKc Bqc`winer

Wcx`r O`r Rcqvibc Bnk}èy

Whc @fqibè Lc`gcqrhi} Aqig oc

Wikc _`qecq Bàlc

W+Knailc

Wq`vir Bnsewy Rhcqiffr Nffibc

Wqifcbw` Fiqc

Wqsk}cw @eocl Kcgi`

WXS Cecqoy

S%R% Rk`ll Asriecrr @gkieirwq`wine

Sjik` Kò`ziec

Seivcqriwy nf Wcx`r M @srwie Givirine nf

Givcqriwy èg Bnkkseiwy Ceoòckcew

Vibwnqi` Li}}kè

Asilgieo ]`qwecqrhi}r + 1=01 Al`bd Clcbwcg Nfbi`lr ]qnoq`k

_`yec Qnaierne ]qngsbwiner

_cllecrr ir _c`lwh

_cllr F`qon Aèd

_yegh`k O`qgcer

Yclln Bà Bnk}èy

ZÒlnqi` Gicrh` O`qqcww


11/22

RWQ@WCOY @EG ]QNOQ@KR

Bnkkseiwy | Asriecrr | ]qnoq`kr

Aq`zili`e Wcbh Gclco`wine Viriwr Gcll Hc`gps`qwcqr


12/22

11 Rwq`wcoy èg ]qnoq`kr Rwq`wcoy èg ]qnoq`kr 12

0% Rwqceowhce N}cq`winerBB@@BB ill }qn`bwivcly, qcbqsiw èg qcwìe givcqrc, hioh ps`liwy, cxcbswivc èg an`qg

lc`gcqrhi} èg ik}lckcew rwq`wcoicr wn ik}qnvc rsrwìeàiliwy èg n}cq`winerccbwivcecrr%

1=00 +1=01 @bbnk}lirhkcewr

BB@@BB rwqc`kliecr bnkkseib`wine l`sebhieo knewhly B`}iw`l Qc}nqw èg_ccdly S}bnkieo ]qnoq`kr Ecrlcwwcq + Envckacq

BB@@BB @eensebcr 9 Ec An`qg Kckacqr + Jès`qy BB@@BB L`sebhcr Ec _cariwc K`qbh BB@@BB Hnlgr An`qg Qcwqc`w + K`y BB@@BB ier Bh`kacq nf Yc`q fqnk whc Wcx`r @rrnbi`wine nf @fqibè @kcqibè

Bh`kacqr nf Bnkkcqbc `w 1=01 Bnefcqcebc

1% Rwqceowhce ]qnoq`kkieo & Nswqc`bhBB@@BB ill gcvcln} }qnoq`kkieo wn rs}}nqw cgsb`wine`l cxbhèoc ie hioh oqnwh

iegsrwqy rcbwnqr wh`w lc`g wn asriecrr `wwq`bwine, qcwcewine, jna oqnwh èg bqc`wine èg

cbnenkib oìer fnq whc Oqc`wcq @srwie qcoine%

1=00 +1=01 Rioe`wsqc ]qnoq`kkieo

Aiz Aqsebh iwh B`}iw`l Kcwqnr BCN, Lieg` _`wrne + Rc}wckacq Ieenv`wivcRwq`wcoicr fnq Asilgieo ` Bqc`wivc Kcgi` Asriecrr . EAKA@+ @srwie Envckacq

Lsebh & Lc`qe: @srwie Oqcce Asriecrr ]qnoq`k .Biwy nf @srwie + EnvckacqBB@@BB ]qnbsqckcew Rcqicr: Onvcqekcew Wq`bd Wcx`r F`biliwicr Bnkkirrine + Jès`qy

Lsebh & Lc`qe: Fieèbi`l ]lèeieo . ]qikcqib` + Fcaqs`qy BB@@BB L`sebhcr ]qnbsqckcew ]qnoq`k iwh Knqc Whè 03 Onvcqekcew èg

Bnq}nq`wc ]`qwecqr Ieblsgieo (rclcbw lirwieo):

0% Wcx`r F`biliwicr Bnkkirrine

1% 2K

2% SW Ryrwckr

7% Wcx`r Bnkkirrine ne Ceviqnekcew`l Ps`liwy

3% Asriecrr K`wbh+K`dieo iwh B`}iw`l Kcwqn

BB@@BB RXR_ Rnbi`l Kcgi` fnq Kienqiwy Kiegrh`qc ]ècl + K`qbh BB@@BB }`qwecqr iwh ONNOLCr OCWLIRWCG èg RBNQC fnq ne+liec wqìeieo + Jsec Wcx+Bcrr BEE Fieèbc Cx}cqw, @swhnq èg C ewqc}qcecsq Qyè K`bd + @}qil BB@@BB hnlgr @srwie @qc` Bnllànq`wivc Bh`kacq Qcbc}wine . Oqc`wcq @srwie

Bh`kacq èg @srwie O`y èg Lcraiè Bh`kacq + Jsec

BB@@BB Hnlgr 0rw nf @ees`l BB@@BB | BABF ]nliby Wqi} wn _`rhieowne, GB gsqieoBneoqcrrine`l Al`bd B`sbsr Fnseg`wine @ees`l Lcoirl`wivcBnefcqcebc Rc}wckacq

@SRWIE IR @KCQIB@REN% 0 ANNK WN_E

Fnqacr, Jsly 1=00

Rwq`wcoy

Bnkkseiwy ]`qwecqrhi} + 1=01 Al`bd Clcbwcg Nfbi`lr ]qnoq`k


13/22


2% Rwqceowhce Cbnenkib & Asriecrr Gcvcln}kcewBB@@BB ill crwàlirh èg bslwiv`wc qcl`winerhi}r iwh qcoine`l, e`wine`l èg iewcqe`wine`l

bnkkseiwicr wh`w h`vc bnk}likcew`qy cbnenkib rwqceowhr èg bnqc iegsrwqicr wn iebqc`rc

wq`gc n}}nqwseiwicr fnq @srwie+ a`rcg asriecrrcr%

1=00+ 1=01 @bbnk}lirhkcewr

BB@@BB ]qc+Aq`zil Kirrine Qcbc}wine ie bnejsebwine iwh Seivcqriwy nf Wcx`r `w@srwie Wcqcr` Lnern Lneo Ierwiwswc fnq L`wie @kcqibè @ffìqr Jès`qy

(_clbnkc wn @WX) ]qc+RXR_ _clbnkc wn @srwie Qcbc}wine + K`qbh BB@@BB Hnrwr SR Rce`wc Bnkkiwwcc ne Rk`ll Asriecrr & Cewqc}qcecsqrhi} Ocecq`l

Bnsercl èg Bhicf nf Rw`ff Gne`lg Bq`vier Jq% fnq Cewqc}qcecsqrhi} Girbsrrine+ @}qil

@srwie+GB Kienqiwicr ie Wcbhenlnoy Qcbc}wine ie bnejsebwine iwh GivcqriWcbh èg

BnlnqnfWcbh Jsec BB@@BB èg kckacqr `wwceg @fqibè @kcqibè Asriecrr @oceg` ]nliby Girbsrrine

`w _hiwc Hnsrc Viriw Jsly

1=01 Kslwi+Cwheib Bh`kacq @llièbc (KCB@) ]`qwecqrhi} ]qnoq`kr:

Bnllànq`wivc Hnlig`y ]`qwy & Wny Gqivc + Gcbckacq Cbnenkib N}}nqwseiwicr whqnsoh Oqcce Wcbhenlnoy Rsrwìeàiliwy Fnqsk iwh

Fnqksl` Nec Jsly

B`qccq Fìq & N}}nqwseiwicr Cx}n + @sosrw

Ec ]`qwecqrhi}r:

Crwàlirhcg qcl`winerhi}r iwh RXR_ èg nwhcq @srwie wcbhenlnoy ierwiwswiner

Gnkcrwib Nswqc`bh:

BB@@BB @wwcegr Qcbqsiwkcew Kirrine wn Ec Ynqd Biwy iwh Oqc`wcq @srwieBh`kacq nf Bnkkcqbc

BB@@BB Bnegsbwr Nswqc`bh `w Al`bd Cewcq}qirc Cewqc}qcecsqrhi} Bnefcqcebc .

Bnq}nq`wc Kckacq Gcll K`y

BB@@BB W`qocwr GB Oqnieo Wcbhenlnoy Rcbwnq fnq @wwq`bwine wn @srwie Jsec BB@@BB @wwcegr Rè Fqèbirbn+a`rcg Al`bd Fnsegcqr Bnefcqcebc ie RèFqèbirbn wn

Crwàlirh K`qdcwieo ]`qwecqrhi}r Rc}wckacq

BB@@BB @wwcegr Iewcq+biwy Gclco`wine nf Knqc Whè 03= wn Rè Jnrc . Oqc`wcq@srwie Bh`kacq nf Bnkkcqbc + Rc}wckacq

Iewcqe`wine`l Nswqc`bh:

BB@@BB Viriwr Lnegne Gioiw`l Rhnqc giwbh Bnkkseiwy iwh K`ynq Lcc Lcffieocll Jès`qy

BB@@BB Bnegsbwr 0rw Nswqc`bh wn Aq`zil ne Ach`lf nf Bh`kacq èg Biwy nf @srwie

wn B`k}ie`r èg R`n ]`sln

BB@@BB An`qg Kckacq Rwcvc _èw` Viriwr Dcey` wn Bneecbw wn @fqibèWcbhenlnoy K`qdcw

7% Rwqceowhce Denlcgoc nf whc @fqibè @kcqibèCbnenkib Blik`wcBB@@BB rccdr wn rcqvc `r ` g`w` qc}nriwnqy fnq iefnqk`wine qco`qgieo whc rizc, rb`lc èg

rbn}c nf @fqibè @kcqibè qkr iwhie Bcewq`l Wcx`r wn acwwcq iefnqk `gvnb`by fnq

@fqibè @kcqib` e asriecrrcr


Asilgieo Lneo L`rwieo Bneecbwiner

@srwie gclco`wine fnq 0rw @ees`l BB@@BB | BABF ]nliby Wq i}


14/22

@ RWQ@WCOY FNQWQSC OQN_WH

16 Rwq`wcoy eg ]qnoq`kr Rwq`wcoy èg ]qnoq`kr 1?

BB@@BB bnewqiaswcr wn givcqriwy ie wcbhenlnoy gi`lnosc iwh Kienqiwicr ieWcbhenlnoy N}+Cg fnq @srwie Asriecrr Jnsq e`l + Envckacq

BB@@BB }`qwecqr iwh SW Oq`gs`wc Rwsgicr Gc}`qwkcew w wn bnegsbw qcrc`qbh neOqc`wcq @srwie qcoine @fqibè @kcqibè asriecrrcr + Gcbckacq

BB@@BB hnlgr Givcqriwy Cxcbswivc Qnsegwàlc Girbsrrine `w Gcll + @}qil BB@@BB r}c`d ne @fqibè @kcqibè cewqc}qcecsqrhi} `w H`qv`qg Dceecgy Rbhnnl

nf Onvcqekcew + K`qbh

BB@@BB bnewqiaswcr wn givcqriwy ie @srwie gi`lnosc iwh @qc Whcqc @ey Al`bd]cn}lc ie @srwie N}+CG fnq E]Q + @sosrw

3% Rwqceowhce Bnkkseiwy Nswqc`bhBB@@BB ill cx}èg èg cehèbc iwr qc`bh iwhie whc oqc`wcq @srwie @fqibè @kcqibè

bnkkseiwy èg whqnsohnsw whc Rw`wc nf Wcx`r%


Rnlcg`g NAqicer BEE Al`bd ie @kcqib` 7 Vicieo cvcew + Envckacq Al`bd Clcbwcg Nffibi`lr Qcbc}wine & @`qgr Bcqckney + Jès`qy BB@@BB F`kily Eiohwr . H`qlck Olnacwqnwwcqr + Jès`qy Biwy nf @srwie Gir}`qiwy Rwsgy+ Qcpscrw fnq Ie}sw + @}qil BB@@BB hnlgr B`}iw`l Kcwqn: ]qnjcbw Bneecbw Bnkkseiwy Fnqsk + Jsec BB@@BB Crwàlirhcr Qcl`winerhi}r iwh @fqibè+@kcqibè @ffieiwy Oqns}r ieblsgieo: E`wine`l Rnbicwy nf Al`bd Ceoieccqr

E`wine`l Al`bd KA@ @rrnbi`wine

@srwie Al`bd Bnewq`bwnqr @rrnbi`wine

@srwie Al`bd L`ycqr @rrnbi`wine

Al`bdr ie Onvcqekcew

Al`bd ]qnfcrrine`lr @llièbc nf @srwie

E`wine`l @rrnbi`wine nf Al`bd @bbnsewèwr

E`wine`l Fnqsk fnq Al`bd ]salib @gkieirwq`wnqr

E`wine`l R`lcr Ecwnqd Al`bdr ie Wcbhenlnoy

Qcbc}wine & Kckacqrhi} Gqivc . @fqibè @kcqibè @ffieiwy Oqns}r + Jsly

6% Rwqceowhce Kckacqrhi}BB@@BB ill k`xikizc kckacqrhi} nswqc`bh èg acecwr, èg iebqc`rc èg givcqrify

kckacqrhi}%


Hnlig`y Kckacqrhi} Gqivc Gcbckacq.Jès`qy BB@@BB 2=wh Rk`ll Asriecrr @`qgr O`l` + Fcaqs`qy WcczKc Bqc`winer Oqèg N}ceieo Qiaane Bswwieo K`y Bnllànq`wivc Qcbc}wine & Kckacqrhi} Gqivc . @fqibè @kcqibè @ffieiwy Oqns}r + Jsly


15/22


(OCECQ@L BB@@BB ]HNWN)

]qnoq`kr &]qnoqcrr

2=wh @eeivcqr`qy @`qgr O`l`Bclcaq`wcg 2= yc`q r nf n}cq`wine `r whc }qckicq @fqibè @kcqibè asriecrr nqoèiz`+

wine ie whc Oqc`wcq @srwie qcoine% Hnenqcg whc `bhicvckcewr nf @fqibè+@kcqibè

asriecrrkè èg nkce, bnkkseiwy lc`gcqr, ckcqoieo lc`gcqr hn h`vc lcg whc

`y ie `qc`r nf ieenv`wine èg asriecrr `bhicvc%

Wcx+Bcrr Cewqc}qcecsqrhi} ]qnoq`kCewqc}qcecsqrhi} rcqicr wh`w fnbsrcr ne lc`qeieo fqnk enwàlc @fqibè+@kcqibèr

`bqnrr whc rw`wc wn rh`qc whciq dcyr wn rsbbcrr%

Ieenv`wc: Rwq`wcoicr fnq Asilgieo ` Bqc`wivcKcgi` Asriecrr:

W`qocw Iegsrwqy fnqsk wh`w fnbsrcg ne asilgieo ` wcbhenlnoy bqc`wivc asriecrr ie whc

`qc`r nf rnbi`l kcgi`, gioiw`l kcgi`, èg bqc`wivc kcgi`%

BB@@BB E`wine`l Wcbh Qnsegs}@ooqcrrivcly }qnknwc @srwie wn kienqiwy rw`qw+s} bnk}èicr ie whc Rilibne

V`llcy èg _`rhieowne, G%B% fnqkieo qcl`winerhi}r iwh Al`bd Fnsegcqr (Rè

Fqèbirbn), Givcqri+Wcbh èg Bnlnq nf Wcbh nf (_`rhieowne G%B%

RXR_Crwàlirhcg qcl`winerhi} iwh RXR_ èg Al`bdr ie Wcbhenlnoy hnrwieo whc 0rw èes`l

_clbnkc wn @WX qcbc}wine èg BB@@BB RXR_ ]ècl

BB@@BB Oncr @aqn`gBnegsbwcg wq`gc kirriner èg nswqc`bh wn fnqcioe k`qdcwr ay wq`vclieo wnB`k}ie`r èg R`n ]`sln Aq`zil, Lnegne, Ceolèg, èg Eìqnai Dcey`%

BEE Al`bd ie @kcqib`Vicieo èg }nrw }qnoq`k girbsrrine nf BEEr Al`bd ie @kcqib` hibh fnllnr ciohw

@fqibè+@kcqibè cewqc}qcecsqr `lneo whciq jnsqecy nf rw`qw+s} èg fsegieo%

Al`bd Clcbwcg Nfbi`lr Qcbc}wineQcbnoeiwine nf @fqibè @kcqibè clcbwcg onvcqekcew nffibi`lr, bnkkseiwy

lc`gcqr, èg wqìlal`zcqr%

Bhìqkè Bskacqa`wbh + 1=01 Al`bd Clcbwcg Nfbi`lr ]qnoq`k

BB@@BB èg Fnqcioe ]`qwecqr

BB@@BB 2=wh @eeivcqr`qy @`qgr O`l`


16/22

BB@@BB IE WHC EC_R

Lnb`l | E`wine`l

BB@@BB Gclco`wcr `wwceg _hiwc Hnsrc Aqiceo ie _`rhieowne, GB iwh SR Al`bd Bh`kacq Ieb%


17/22

21 BB@@BB Ie whc Ecr BB@@BB Ie whc Ecr 22

SR Al`bd Bh`kacq Ieb% Vicieo èg }nrw }qnoq`k girbsrrine nf BEEr Al`bd ie @kcqib` hibh fnllnr ciohw

@fqibè+@kcqibè cewqc}qcecsqr `lneo whciq jnsqecy nf rw`qw+s} èg fsegieo%

Fnx Ecr Al`bd Hirwnqy Knewh WV Fc`wsqc

@srwie Asriecrr Jnsqe`l @fqibè @kcqibè Bh`kacq Hiqcr Ec ]qcrigcew & BCN (@eensebckcew)

Q`bi`l gir}`qiwy `kneorw wcbh+ rw`qw+s}r wnn oqc`w (N}+Cg Ay BB@@BB ]qcrigcew)

Wn} Rwnqicr:

BB@@BB ]qcrigcew FNX Ecr Al`bd Hirwnqy Fc`wsqc

@srwie @kcqibè Rw`wcrkè: Knqc ieblsrine eccgcg ie hioh+wcbh ficlgr (N}+Cg Ay BB@@BB ]qcrigcew) ]GKCr necq psicwly asilgr Bcg`q ]`qd bnk}èy iewn ` fnqbc ie nffibc }qngsbwr k`qdcw

(BB@@BB Bh`kacq Kckacq Fc`wsqcg) Fnq _hnlc ]lècw Fnseg`wine cxcb, wq`vclieo nqlg jsrw }`qw nf whc jna

(BB@@BB An`qg Kckacq Fc`wsqc)

@srwie rw`qws} b`llr iwrclf fiqrw sqaè hc`lwh kcgi` bnk}èy(BB@@BB Kckacq Fc`wsqc)

Ynseo k`qdcwieo rw`qws} reòr CR]E X O`kcr(BB@@BB Kckacq Fc`wsqc + @AJ)

@srwie rw`qws} b`llr iwrclf fiqrw sqaè hc`lwh kcgi` bnk}èy (BB@@BB KckacqFc`wsqc)

DSW@qc Whcqc @ey Al`bd ]cn}lc ie @srwie> (BB@@BB ]qcrigcew N} Cg + DSW)

Al`bd Cewcq}qirc@srwie Lnb`lr _clbnkc Al`bd Rw`qws}r wn RXR_

"0 NE WHC LIRW NFWHC ACRW BIWICR FNQWHC ECXW GCB@GC

Di}lieocq, K`y 1=00


18/22

S]BNKIEO CVCEWRLnb`l | Iewcqe`wine`l


19/22

26 S}bnkieo Cvcewr S}bnkieo Cvcewr 2?

1=01Nbw16

]qnbsqckcew Rcqicr

Gnieo Asriecrr iwh Gcll

Nbw20+Env 1

@fqib` 7 Wcbhenlnoy Rskkiw

| Wcbhenlnoy Ieenv`wine

Rskkiw Jnhèecrasqo,

Rnswh @fqib`

Gcb1+3

EYB Gnkcrwib Qcbqsiwkcew Wqi}

(ene+BB@@BB nqoèizcg }qnoq`k)

Gcb?

KCB@ Hnlig`y ]`qwy

Env6

Clcbwine G`y ]qnoq`kkieo Env0=

W`qocwcg Iegsrwqy

Gcvcln}kcew Fnqsk

Gcvcln}ieo ` Wcbh

Rw`qw+S} Bnk}èy

Env06+08

Fnqksl` Nec (ene+BB@@BB

nqoèizcg }qnoq`k)

1=02Jè12

Al`bd Clcbwcg Nffibi`lr Qcbc}wine

& Bnkkseiwy Lc`gcqrhi} @`qgr

Fc`wsqcg Qck`qdr: Rwcfèic

Aqne, Giqcbwnq nf @fqibè

@kcqibè Nswqc`bh, Na`k`B`k}ìoe

Fca11

BB@@BB @ees`l Rk`ll Asriecrr

@`qgr ]qnoq`k

FcaG`wcWAG

W@@@BB Lcoirl`wivc ]nliby G`y

(ene+BB@@BB nqoèizcg

}qnoq`k)

Asilgieo Qcl`winerhi}r + 2=wh @eeivcqr`qy @`qgr O`l`

K`q?

BB@@BB & Al`bd Fnsegcqr

Bnefcqcebc


20/22

@}qG`wcWAG

28 S}bnkieo Cvcewr S}bnkieo Cvcewr 29

Rw`wc nf Al`bd Asriecrr ie @srwie

@SRWIE IR WHC "0HNWWCRW R]NW WN RW@QW

@ RK@LL ASRIECRRAsriecrr Jnsqe`lr, Jsly 1=00

Rwègieo Qnnk Nely + 1=01 Al`bd Clcbwcg Nfbi`lr ]qnoq`k

1=02K`q8+01

RXR_ Iewcq`bwivc (BB@@BB &

Al`bd Fnsegcqr Bnefcqcebc)

@}qG`wcWAG

WAG + Bh`kacq Al`bd @}}

H`bd+@+Whne (Bh`kacq Al`bd

Asriecrr @}}lib`wine Giqcbwnqy)

. ]q`qic Vic @&K, HWS èg SW

Ceoieccqieo rwsgcewr

JseG`wc

WAG

]qnbsqckcew ]qnoq`k Jse13+Jsl 0

@l}h` ]hi @l}h` @ees`l

Bnefcqcebc

K`y03+08

Al`bd Cewcq}qirc

Cewqc}qcecsqrhi} Bnefcqcebc

Bnlskasr Nhin

@so8

?wh @ees`l KCB@ B`qccq FìqJsl08

KCB@ Rsrwìeàiliwy Fnqsk

(Oqcce Wcbhenlnoy)

Rc}09+10

10rw W@@@BB Bnefcqcebc Rc}16+19

Bneoqcrrine`l Al`bd B`sbsr

_ccdceg (_`rhieowne, GB) &

BB@@BB ]qnoq`kkieo


21/22

7= BB@@BB Ec Hc`gps`qwcqr BB@@BB Ec Hc`gps`qwcqr 70

Whc Gcgqibd+H`kilwne HnsrcIe 1==6, vnwcqr rs}}nqwcg ` Ocecq`l Nalio`wine aneg qcfcqcegsk wh`w }qnvigcg

fsegieo wn bqc`wc whqcc bslwsq`l f`biliwicr fnq kienqiwy }n}sl`winer, Hir}èib,

@riè, èg @fqibè @kcqibè% Whc Gcgqibd+H`kilwne hnsrc, ` hirwnqib rwqsbwsqc

`w 901 C`rw 00wh Rwqccw, `r hnkc wn whc f`kily nf nec nf whc fiqrw fqccg rl`vcr ie

Wq`vir Bnsewy% Whc hnsrc `r gcrioe`wcg fnq q cenv`wine èg cx}èrine wn

acbnkc whc @fqibè @kcqibè Bslwsq`l èg Hcqiwòc F`biliwy%

Whc `qc` qcfcqqcg wn `r whc hc`qw nf whc @fqibè @kcqi bè bnkkseiwy ie C`rw @srwie,

nebc hnrwcg rnkc nf whc knrw f`knsr qhywhk èg alscr rieocqr `w whc ec`qay Vibwnqy

Oqill èg `r iewcoq`l ie whc bivil qiohwr knvckcew% Whc F`biliwy ill `gg wn whir bslwsq`l

rioeifibèbc èg ill hnsrc ]qn@qwr Bnllcbwivc, è ``qg+ieeieo `qwr nqoèiz`wine, whc

B`}iw`l Biwy @fqibè @kcqibè Bh`kacq nf Bnkkcqbc wh`w }qnvigcr rcqvibcr fnbsrcg

ne rs}}nqwieo @fqibè @kcqibè asriecrrcr biwyigc, èg ` viriwnqr asqc`s wn

hiohliohw whc hirwnqy nf whc bslwsq`lly qibh eciohanqhnng%


22/22

Whc B`}iw`l Biwy @fqibè @kcqibè Bh`kacq nf Bnkkcqbc

(BB@@BB) ir ` 3=0(b)(2) ene}qnfiw nqoèiz`wine hnrc

kirrine ir wn }qnknwc asriecrr n}}nqwseiwicr whqnsohnsw

whc oqc`wcq @srwie qcoine èg bnewqiaswc wn asriecrr

qcwcewine eg `wwq`bwine bwiviwicr%

ccaacc annual report

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