æg] - garimagarimabank.com.np/assets/upload/files/75gbbl_agm_2072.pdf · 2017-05-24 · 3 gjf} +...

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2

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3

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dx] Gb|k'n, kf] v/ f, sf: sLljifo M k|ltlglw -k|f] S;L_ lgo'Qm u/ ] sf] af/ ] .

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=================lhNnf, ==============g=kf=÷uf=lj=;=, j8fg+=====a: g] d÷xfdL ============================================================n] To; sDkgLsf] z] o/ wgLsf] x} l;otn] ;Dat\ @)&@ ;fn kf} if #) ut] laxLaf/ sf lbg x'g] gjf} +] aflif{ s ;fwf/ 0f ;efdf d÷xfdL : jo+ pkl: yt eO{ 5nkmn tyf lg0f{ odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d] / f] ÷xfd|f] tkm{ af6 efu lng tyf dtbfg ug{ sf nfuL ============== lhNnf, ======================== g=kf=÷uf=lj=;=, j8fg+ ======= a: g] >L ================================================ nfO{ d] / f] ÷xfd|f] k|ltlglw -k|f] S;L_ lgo'Qm u/ L k7fPsf] 5' ÷ k7fPsf 5f} + .

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k|j] z–kqz] o/ wgLsf] gfd M==============================================================================================================================================

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z] o/ wgLsf] b: tvt========================================================================== =================================== sDkgL ;lrj==================================================================================================================================================================

gjf} +] aflif{ s ;fwf/ 0f ;efdf pkl: yt x'g hf/ L ul/ Psf] k|j] z–kqb|i6Jo M != of] k|j] z–kq ;efsIfdf k|j] z ubf{ / ;fwf/ 0f ;ef ;DkGg gx'Gh] n clgjfo{ ?kdf ;fydf / fVg' xf] nf .@= k|j] z–kqsf] vfnL : yfg z] o/ wgL : jo+n] eg'{ x'g cg'/ f] w 5 .


4

1

gjf} + jflif{ s ;fwf/ 0f ;efsf] ;"rgf o; ul/ df ljsf; a} +s lnld6] 8sf] ldlt @)&@÷)(÷)^ ut] a;] sf] ;+rfns ;ldltsf] !^% cf} + a} 7ssf] lg0f{ o cg';f/ sDkgLsf] gjf} + aflif{ s ;fwf/ 0f ;ef b] xfosf] ldlt, ;do / : yfgdf x'g] ePsf] n] ;Dk"0f{ z] o/ wgL dxfg'efjx?sf] pkl: yltsf] nflu of] ;"rgf k|sflzt ul/ Psf] 5 .

s_ ;ef a: g] ldlt, ;do / : yfgldlt M– @)&@ kf} if #) ut] laxLaf/ -tb\g';f/ @)!^ hgj/ L !$_;do M– ljxfg !! ah] : yfg M– kf] v/ f u|f08, la/ f} 6f, kf] v/ f .

jflif{ s ;fwf/ 0f ;efsf] 5nkmnsf laifox?-s_ ;fdfGo k|: tfjx?!_ ;+rfns ;ldltsf] tkm{ af6 k|: t't x'g] cWoIfHo"sf] cf=j=@)&!÷&@ sf] aflif{ s k|ltj] bg kfl/ t ug] { .@_ cf=a= @)&!÷&@ sf] n] vf kl/ If0f k|ltj] bg ;lxt @)&@ cfiff9 d;fGtsf] jf;nft tyf cf=a= @)&!÷&@ sf] gfkmf

gf] S;fg lx;fj / gub k|jfx ljj/ 0f tyf ;f] ;+u ;DalGwt cg';"rLx? kfl/ t ug] { .#_ n] vfk/ LIf0f ;ldltsf] l;kmfl/ z adf] lhd cf=j=@)&@÷&# sf] nfuL n] vfk/ LIfs lgo'Qm ug] { / lghsf] kfl/ >lds

tf] Sg] . -n] vfk/ LIfs ;L=P= ljho/ fh l3ld/ ] k"gM lgo'lQmsf] nflu of] Uo x'g'x'G5 ._$_ ;+: yfks z] o/ wgL -;d"x æsÆ_ sf] tkm{ af6 ;+rfns ;ldltdf k|ltlglwTj ug] { $ hgf ;+rfnsx? / ;j{ ;fwf/ 0f

z] o/ wgLx? -;d"x ævÆ_ sf] tkm{ af6 ;+rfns ;ldltdf k|ltlglwTj ug] { # hgf ;+rfnsx?sf] lgjf{ rg ug] { .

-v_ ljif] z k|: tfjx? !_ ;+rfns ;ldltn] k|: tfj u/ ] adf] lhd r'Qmf k"FhL ?= &! s/ f] 8 !) nfvsf] @) k|ltzt af] g; z] o/ kfl/ t ug] { .@_ ljz] if k|: tfj g+= -!_ adf] lhd af] g; z] o/ k|bfg u/ ] kZrft ;+: yfsf] hf/ L tyf r'Qmf k"FhLdf j[ l4 x'g] ePsf] n] ;f] xL

adf] lhd x'g] u/ L k|jGwkq tyf lgodfjnLdf cfjZos ;+zf] wg ug] { .#_ ;+: yfsf] clws[ t k"FhL j[ l4 u/ L # cj{ k'¥ofpg] tyf ;f] xL adf] lhd k|jGwkq tyf lgodfjnLdf cfjZos ;+zf] wg ug] { . $_ ul/ df ljsf; a} +s lnld6] 8 / cGo O{ hfhtkqk|fKt a} +s tyf ljQLo ;+: yf -x?_ Ps cfk;df ufEg] ÷ufleg] -Merger)

tyf ul/ df ljsf; a} +s lnld6] 8n] cGo a} +s tyf ljQLo ;+: yf -x?_ k|flKt ug] { -Acquisition_ ;DaGwdf pko'Qm a} +s tyf ljQLo ;+: yf -x?_ vf] hL ug{ , pko'Qm nfu] sf] a} +s tyf ljQLo ;+: yf ;+u dh{ / tyf PlSjlh;g ;DalGw ;xdltkq -Memorendum of Understanding_ tof/ L u/ L x: tfIf/ ug] { , ;Dk"0f{ rn crn ;DklQ tyf bfloTj d"NofFsg -Due Diligence Audit_ ug] { d"NofFsgstf{ n] vfk/ LIfs lgo'Qm ug] { , lghsf] kfl/ >lds tf] Sg] / lghaf6 a} +ssf] ;Dk"0f{ rn crn ;DklQ tyf bfloTj d"NofFsg -Due Diligence Audit_ u/ fpg] , tyf ufEg] ufleg] -dh{ / _ jf k|flKt ug] { -Acquisition_ ;DaGwdf lgodgsf/ L lgsfox?;+u ;xdlt lng] , ufEg] ufleg] -dh{ / _ jf k|flKt ug] { -Acquisition_ ;DalGw sfo{ sf] nflu k|jGwkq tyf lgodfjnLdf cfjZos ;+zf] wg ug'{ kg] { ePdf ;f] ;d] t ug] { nufotsf ;Dk"0f{ k|qm[ of cjnDag u/ L Ps cfk;df ufEg] ÷ufleg] -dh{ / _ jf k|flKt ug] { -Acquisition_ ;DalGw ;Dk"0f{ sfo{ ug{ ;+rfns ;ldltnfO{ clVtof/ L k|bfg ug] { ;DalGw k|: tfj kfl/ t ug] { .

%_ k|jGw kq tyf lgodfjnL sDkgL / lhi6«f/ sf] sfof{ no Pj+ cGo ;DalGwt lgsfoaf6 : jLs[ t u/ fpgsf] nflu cfjZostf cg';f/ ;f] df yk36 ug{ tyf ;Rofpgsf] nfuL ;+rfns ;ldltnfO{ clVtof/ L k|bfg ug] { .

u_ ljljw .

2

;fwf/ 0f ;ef ;DaGwL cGo hfgsf/ LM

!= a} +ssf] gjf} +] jflif{ s ;fwf/ 0f ;ef k|of] hgsf nflu a} +ssf] z] o/ bflvnf vf/ ] hsf] sfd ldlt @)&@÷)(÷!$ b] lv ldlt @)&@÷)(÷#) ut] ;Dd aGb / xg] 5 . ldlt @)&@÷)(÷!# ut] ;Dd g] kfn : 6s PS;r] ~h lnld6] 8df sf/ f] af/ eO{ tf] lsPsf] sfo{ lbg leq o; a} +ssf] z] o/ / lhi6«f/ P; Soflk6n lnld6] 8, nfnsf] nf] gLdfu{ , nfnb/ af/ dfu{ sf7df08f} n] k|fKt u/ ] sf] gfd;f/ L lnvtsf] cfwf/ df z] o/ wgL btf{ lstfadf sfod z] o/ wgLx?n] ;efdf efu lng, af] g; z] o/ k|fKt ug{ , 5nkmn ug{ tyf dtbfg ug{ ;Sg'x'g] 5 .

@= ;Dk"0f{ z] o/ wgL dxfg'efjx?nfO{ z] o/ wgLsf] nutdf sfod / x] sf] ;DalGwt 7] ufgfdf lx;fj ;lxtsf] jflif{ s k|ltj] bg k'l: tsf k7fOg] 5 . jflif{ s ;fwf/ 0f ;efdf efu lng OR5's z] o/ wgL dxfg'efjx?n] cfkm\gf] kl/ ro v'Ng] s'g} k|df0f kq jf ;f] sf] k|ltlnlk clgjfo{ ?kdf ;fydf lnO{ a} +sn] hf/ L ul/ Psf] k|j] zkq jf z] o/ k|df0fkq jf a} +ssf] z] o/ cef} ltlss/ 0f u/ ] sf] ljj/ 0f b] lvg] BOID Statement k|: t't u/ L ;efsIf leq k|j] z ug'{ x'g cg'/ f] w 5 .

#= ;efdf efu lng jf dtbfg ug{ sf nflu k|ltlglw -k|f] S;L_ lgo'Qm ug{ rfxg] z] o/ wgLx?n] ;f] ;DalGw lgj] bg -k|f] S;L kmf/ d_ e/ L a} +ssf] k|wfg sfof{ no, dx] Gb|k'n, kf] v/ fdf ;ef z'? x"g'eGbf slDtdf $* 306f cufl8 btf{ u/ L ;Sg'kg] { 5 . o;/ L k|ltlglw -k|f] S;L_ lgo'Qm ubf{ a} +ssf] z] o/ wgLnfO{ dfq lgo'Qm ug{ ;lsg] 5 . k|ltlglw -k|f] S;L_ lgo'Qm ul/ ;Sg' ePsf] z] o/ wgL : jo+ ;efdf pkl: yt eO{ xflh/ L lstfadf b: tvt ug'{ ePdf cl3 lbOPsf] k|f] S;L : jtM ab/ x'g] 5 .

$= gfjfns z] o/ wgLsf ;Gbe{ df z] o/ wgL btf{ lstfadf ;+/ Ifssf] ?kdf gfd n] lvPsf] AolQmn] dfq ;+/ Ifssf] x} l;otn] ;efdf efu lng, 5nkmn ug{ , k|ltlglw lgo'Qm ug{ / dtbfg ug{ ;Sg'x'g] 5 .

%= ;+o'Qm ?kdf z] o/ vl/ b ug] { z] o/ wgLsf] xsdf z] o/ wgL btf{ lstfadf h;sf] gfd klxn] pNn] v ul/ Psf] 5, ;f] AolQm jf ;+o'Qm z] o/ wgLx?sf] ;j{ ;Ddltaf6 cfkm'x? dWo] lgo'Qm AolQmn] dfq ;efdf efu lng, 5nkmn ug{ , k|ltlglw lgo'Qm ug{ / dtbfg ug{ ;Sg'x'g] 5 .

^= ;efdf efu lng k|ltlglw lgo'Qm u/ L ;f] sf] k|ltlglw–kq a} +sdf a'emfO{ ;s] kl5 k|f] S;L ab/ u/ L csf{ ] lbg rfx] df ;f] sf] ;"rgf ;ef z'? x'g'eGbf $* 306f cufj} a} +ssf] k|wfg sfof{ no dx] Gb|k'ndf btf{ u/ fO{ ;Sg'kg] { 5 / gofF k|f] S;Lsf] xsdf dfly a'Fbf g+=# df n] lvP adf] lhd x'g] 5 .

&= z] o/ wgL dxfg'efjx?sf] ;'ljwfsf] nlu xflh/ L k'l: tsf ;ef : yndf ;ef x'g] lbg ljxfg !)M)) ah] b] lv g} v'Nnf ul/ g] 5 . ;efdf efu lng] k|To] s z] o/ wgL dxfg'efjx?n] ;ef x'g] : yfgdf pkl: yt eO{ txfF / x] sf] xflh/ L k'l: tsfdf b: tvt ug'{ kg] { 5 .

*= ljljw zLif{ s cGtu{ t s'g} ljifodf 5nkmn ug{ cfjZos 7fg] df z] o/ wgL dxfg'efjx?n] cfkm'n] k|: t't ug{ rfx] sf] ljifoaf/ ] ;ef x'g' eGbf & lbg cufj} a} +ssf] k|wfg sfof{ no, dx] Gb|k'n, kf] v/ fdf lnlvt hfgsf/ L lbg' kg] { 5 . o;/ L k"j{ hfgsf/ L gu/ fPsf] ljifodf ;efdf 5nkmn tyf lg0f{ o ul/ g] 5} g .

(= ;d"x …sÚ / ;d"x …vÚ b'j} ju{ sf z] o/ wgLx?af6 lgjf{ lrt x'g] qmdzM$ -rf/ _ / # -tLg_ hgf ;~rfnsx?sf] lgjf{ rg sfo{ qmd ldlt @)&@÷)(÷@# ut] a} +ssf] k|wfg sfof{ no dx] Gb|k'n, kf] v/ fsf] ;"rgf kf6Ldf 6fF; ul/ g] 5 .

!)= lgjf{ rg ;DalGw cGo sfo{ x? o; a} +ssf] lgjf{ rg ;DalGw lgb] { lzsf @)^& adf] lhd x'g] 5 .

;+rfns ;ldltsf] cf1fn] ,

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3

gjf} + jflif{ s ;fwf/ 0f ;efdf k|: t'tcWoIfsf] dGtJo

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

ul/ df ljsf; a} +s lnld6] 8sf] gjf} + jflif{ s ;fwf/ 0f ;efdf efu lng pkl: yt x'g'ePsf ;Dk"0f{ z] o/ wgL dxfg'efjx?, lgodgsf/ L lgsfosf k|ltlglwHo'x?, sd{ rf/ Lx?, kqsf/ dxfg'efjx? Pj+ cltlyHo"x?nfO{ ;+rfns ;ldlt tyf d] / f] AolQmut tkm{ af6 ;d] t xflb{ s : jfut clejfbg ub{ 5' . o; ;fwf/ 0f ;efdf ;+rfns ;ldltsf tkm{ af6 k] z ul/ Psf] jflif{ s k|ltj] bg tyf n] vfk/ LIfssf] k|ltj] bg ;d] t ;Dk"0f{ z] o/ wgL dxfg'efjx?nfO{ k7fO;lsPsf] x'gfn] oxfFx?af6 cWoog eO;s] sf] xf] nf eGg] ljZjf; lnPsf] 5' . a} +ssf efjL sfo{ qmdx? cem k|efjsf/ L agfpg oxfFx?af6 cd"No ;Nnfx, ;'emfj tyf dfu{ lgb] { zgsf] ck] Iff / fVb} ;+rfns ;ldltsf] jflif{ s k|ltj] bg, n] vfk/ LIfssf] k|ltj] bg ;lxt ldlt @)&@ c;f/ d;fGtsf] jf;nft, cfly{ s jif{ @)&!÷&@ sf] gfkmf gf] S;fg lx;fj tyf ;f] ;+u ;DalGwt cg';"rLx? o; ;Ddflgt ;ef ;dIf k] z ul/ Psf ;Dk"0f{ k|: tfjx? ;j{ ;Ddltaf6 kfl/ t ul/ lbg'x'g ;Dk"0f{ z] o/ wgL dxfg'efjx?df xflb{ s cg'/ f] w ub{ 5' .

ul/ df ljsf; a} +s lnld6] 8, $–!) lhNnf: t/ sfo{ If] q / x] sf] ;fljs ul/ df ljsf; a} +s lnld6] 8 / !–# lhNnf: t/ sfo{ If] q / x] sf] ;fljs lgnlul/ ljsf; a} +s lnld6] 8 Ps cfk;df ufleP/ ldlt @)&@ c;f/ @( ut] b] lv / fli6«o: t/ sf] ljsf; a} +s sf] ?kdf : yflkt ljsf; a} +s xf] . jt{ dfg tLj| k|lt: kwf{ Tds a} +lsª jftfj/ 0fdf ;d] t o; ul/ df ljsf; a} +s lnld6] 8n] d'n'ssf] ljQLo kl/ b[ Zodf : ki6 klxrfg agfpg ;kmn ePsf] 5 . o;sf nflu ;Dk"0f{ z] o/ wgL, ;] jfu|fxL, sd{ rf/ L, z'e] R5's Pj+ ;Da4 ;a} kIfx?nfO{ xflb{ s wGojfb 1fkg ug{ rfxG5' .

o; ljsf; a} +sn] cfly{ s jif{ @)&!÷&@ df ?= !$, $@, )(, &&!.&@ v'b d'gfkmf cfh{ g ug{ ;kmn ePsf] 5 . lgliqmo shf{ cg'kft ).@** k|ltzt df / xL cfly{ s jif{ @)&)÷&! sf] t'ngfdf cfly{ s jif{ @)&!÷&@ df ljsf; a} +ssf] lgIf] k kl/ rfng sl/ j #@ k|ltzt / nufgLdf / x] sf] shf{ #) k|ltztn] j[ l4 ePsf] 5 eg] ljsf; a} +ssf] s'n ;DklQdf sl/ j #$ k|ltztn] j[ l4 ePsf] 5 . ;ldIff jif{ df b] zsf ;a} ljsf; a} +sx?sf] s'n lgIf] k kl/ rfng tyf shf{ nufgLdf qmdzM !%.@ k|ltzt / !^ k|ltztn] j[ l4 ePsf] kl/ k|] Iodf o; ljsf; a} +ssf] Aoj;flos j[ l4 b/ nfO{ ;sf/ fTds ?kdf lng'kb{ 5 . z] o/ wgLx?nfO{ cfly{ s jif{ @)&!÷&@ sf] d'gfkmf / xsk|b z] o/ lgisfzg ubf{ laqmL geO{ afFsL / xg uPsf] z] o/ sf] lnnfd laqmLaf6 k|fKt lk|ldod ;d] taf6 @) k|ltzt af] g; z] o/ k|bfg ug{ k|: tfj ul/ Psf] Aoxf] / f o; ;Ddflgt ;ef;dIf hfgsf/ L u/ fpg rfxG5' . ;fy} pQm k|: tfj kfl/ t ul/ lbg'x'g ;d] t cg'/ f] w ub{ 5' .

g] kfn / fi6« a} +sn] ljsf; a} +ssf] r'Qmf k"FhL j[ l4 ug{ lbPsf] lgb] { zg cg';f/ dh{ / tyf PlSjlh;g, af] g; z] o/ tyf xsk|b z] o/ hf/ L u/ L @)&$ c;f/ d;fGt ;Dd ljsf; a} +ssf] r'Qmf k"FhL ?= @ cj{ ^& s/ f] 8 k'¥ofpg] k"FhL of] hgf g] kfn / fi6« a} +s ;dIf k] z ul/ Psf] 5 . rfn' cfly{ s jif{ leq g} pko'Qm a} +s tyf ljQLo ;+: yf ;+u ufEg] jf ufleg] cyjf k|flKt ug] { jf x'g] lg0f{ o ug'{ kg] { cj: yf / x] sf] Aoxf] / f o; ;ef ;dIf hfgsf/ L u/ fpFb} pko'Qm dfu{ bz{ gsf] nflu ;d] t ;Dk"0f{ z] o/ wgL dxfg'efjx? ;dIf xflb{ s cg'/ f] w ug{ rfxG5' . ;fy} ufEg] ÷ufleg] jf k|flKt ug] { ÷x'g] ;DaGwdf o; ;ef ;dIf k|: t't k|: tfj kfl/ t ul/ lbg'x'g ;d] t cg'/ f] w ub{ 5' .

4

xfn ljsf; a} +sn] !) lhNnfx?df @% j6f zfvf sfof{ no, Ps PS: 6] G;g sfpG6/ / % j6f P6LPd dfkm{ t ;] jfu|fxLx?nfO{ ljQLo ;] jf k|jfx ub} { cfO/ x] sf] 5 . cfly{ s jif{ @)&!÷&@ cjlwdf ljsf; a} +sn] : ofª\hfsf] ao/ 3f/ L, gjnk/ f;Lsf] sfjf;f] tL, afUn'ªsf] afUn'ª / tgx'Fsf] bdf} nLdf zfvf sfof{ no : yfkgf u/ L ;] jf lj: tf/ u/ ] sf] lyof] eg] g] kfn / fi6« a} +saf6 ;f] xL cjlwdf : jLs[ t sf: sL, kf] v/ fsf] la/ f} 6f / gjnk/ f;Lsf] ;'gjn zfvf sfof{ nox? rfn' cfly{ s jif{ sf] z'?b] lv g} ;+rfngdf cfO;s] sf 5g\ . To: t} u/ L g] kfn / fi6« a} +saf6 sf7df08f} sf] uf] u+j', lrtjgsf] gf/ fo0fu9, gjnk/ f;Lsf] ab{ 3f6, : ofªhfsf] rfkfsf] 6 / afUn'ªsf] a'lt{ afªdf zfvf sfof{ no vf] Ng : jLs[ lt k|bfg ul/ ;s] sf] 5 . : jLs[ t zfvf sfof{ nox? r} q d;fGt leq g} ;+rfngdf cfpg] 5g\ . o;/ L rfn' cfly{ s jif{ sf] cGTo ;Dd ljsf; a} +ssf] zfvf ;+hfn sf7df08f} ;d] t d'n'ssf !@ lhNnfdf #) k'Ug] 5 . ;fy} cfufdL lbgdf dh{ / tyf PlSjlh;gsf] dfWoodaf6 o; ljsf; a} +snfO{ jf: tljs ?kdf g} / fli6«o: t/ sf] ljsf; a} +ssf] ?kdf : yflkt x'g] u/ L k"FhL Pj+ k"j{ b] lv klZrd tyf pQ/ b] lv blIf0f ;Dd zfvf ;+hfn aGg] u/ L Aoj;flos lj: tf/ ug] { sfo{ nfO{ cleofgsf] ?kdf cufl8 a9fpg k|of; ul/ g] 5 .

@)&@ j} zfv !@ ut] sf] ljgfzsf/ L e"sDk tyf ;f] sf] k/ fsDkgx?sf] qf;bL, ;+ljwfg 3f] if0ff kZrft ;d] t sfod / fhgLlts clglZrttf, nuftf/ sf] t/ fO{ dw] ; cfGbf] ng tyf g] kfn ef/ t ;Ldf If] qdf b] vf k/ ] sf] kf/ jfxg ;d: ofsf sf/ 0f d'n'ssf] Aoj;flos jftfj/ 0f hL0f{ ag] sf] kl/ b[ Zodf : jefljs ?kdf a} lsª If] q yk r'gf} tLk"0f{ ag] sf] 5 . rfn' cfly{ s jif{ sf] cw{ jflif{ s cjlw cGof} nk"0f{ jftfj/ 0fdf ;ls+b} ubf{ cfufdL lbgdf ;sf/ fTds kl/ jt{ g eO{ ;fdflhs ;b\efj sfod / xL d'n's / rgfTds lgdf{ 0fsf] lbzfdf cufl8 a9] sf] cj: yfdf ljsf; a} +sn] ;do ;fk] If / 0fgLlt tyf of] hgfx? nfu' u/ L cfufdL jif{ x?df ;d] t lgoldt ?kdf slDtdf @) k|ltzt nfef+z k|bfg ug] { ljZjf; lbnfpg rfxG5' .

cGTodf, o; ul/ dfdo ;efdf pkl: yt z] o/ wgL nufot ;Dk"0f{ dxfg'efjx?nfO{ k'gM cfef/ JoQm ub} { ;+rfns ;ldltsf] k|ltj] bg, ljsf; a} +ssf] ljQLo ljj/ 0f tyf cGo k|: t't k|: tfjx? dflysf] 5nkmndf efu lng'eO{ / rgfTds ;Nnfx tyf ;'emfj / flvbg'x'g / o; ;ef ;dIf k|: t't k|: tfjx? kfl/ t ul/ lbg'x'g k'gM xflb{ s cg'/ f] w ub{ 5' .

wGojfb lblnk k|tfk vf0f

cWoIf ;+rfns ;ldlt

5

cWoIfåf/ f k|: t't ;~rfns ;ldltsf] jflif{ s k|ltj] bgcfly{ s jif{ @)&!÷&@

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

o; ul/ df ljsf; a} +s lnld6] 8sf] gjf} + jflif{ s ;fwf/ 0f ;efdf ;+rfns ;ldltsf] cfly{ s jif{ @)&!÷&@ sf] k|ltj] bg k|: t't ug{ kfpFbf cToGt uf} / jflGjt dxz'; u/ ] sf] 5' . o; k|ltj] bg dfkm{ t ljsf; a} +ssf] ;+lIfKt kl/ ro, / fli6«o tyf cGt/ fli6«o cfly{ s kl/ l: ylt, a} lsª If] qsf] kl/ ;"rs tyf a} +ssf] ut cfly{ s jif{ sf] sf/ f] af/ sf] ;dLIff tyf efjL sfo{ qmdx? k|: t't u/ ] sf] 5' .

a} +ssf] ;+lIfKt kl/ ro Mul/ df ljsf; a} +s lnld6] 8, g] kfn ;/ sf/ , sDkgL / lhi6«f/ sf] sfof{ nodf btf{ g+= !)!$÷@)^$÷^% / x] sf] , g] kfn / fi6« a} +saf6 “v” ju{ sf] a} lsª sf/ f] af/ ug{ Ohfhtkqk|fKt / fli6«o: t/ sf] ljsf; a} +s xf] . ul/ df ljsf; a} +s lnld6] 8, ldlt @)&@ c;f/ @( ut] DofUbL lhNnfsf] a] gL gu/ kflnsfdf k|wfg sfof{ no / x] sf] lgnlul/ ljsf; a} +s ;+u uflePkZrft / fli6«o: t/ sf] ljsf; a} +ssf] ?kdf kl/ 0ft ePsf] ;+: yf xf] . o; ljsf; a} +ssf] clws[ t k"FhL ! cj{ ?k} ofF / o; ;fwf/ 0f ;efdf k|: tfljt af] g; z] o/ ;d] t hf/ L tyf r'Qmf k"FhL *% s/ f] 8 #@ nfv ?k} ofF / x] sf] 5 h;dWo] ;+: yfks z] o/ wgLx?af6 $$ s/ f] 8 *% nfv (^ xhf/ ?k} ofF -%@.%&*k|ltzt_ / ;j{ ;fwf/ 0f z] o/ wgLx?af6 $) s/ f] 8 $^ nfv $ xhf/ ?k} ofF -$&.$@@k|ltzt_ nufgL ePsf] 5 . xfn ljsf; a} +ssf] ;+rfns ;ldltdf ;+: yfks z] o/ wgL ;d"xaf6 $ hgf, ;j{ ;fwf/ 0f z] o/ wgL ;d'xaf6 # hgf / Aoj;flos ;+rfns ! hgf ;d] t hDdf * hgf ;+rfns / xg] Aoj: yf / x] sf] 5 .

/ fli6«o tyf cGt/ fli6«o cfly{ s kl/ l: ylt MzflGt Pj+ x;f] { Nnf;k"0f{ jftfj/ 0fdf ;DkGg lgjf{ rgaf6 ag] sf] bf] ;|f] ;+ljwfg ;efaf6 nf] stflGqs Pj+ ;+3Lo ;+ljwfg lgdf{ 0f eO{ d'n's ljsf; lgdf{ 0f / cfly{ s ;d'GgtLsf] dfu{ df cufl8 a9\g] e/ f] ;fsf lar z'? ePsf] ;dLIff jif{ sf] rf} yf] q} dfl;s cjlwsf] z'?df @)&@ j} zfv !@ ut] uPsf] ljgfzsf/ L e"sDk / ;f] sf k/ fsDkgx?n] sl/ j * xhf/ * ;o eGbf a9Lsf] d[ To' x'g'sf ;fy} sl/ j @@ xhf/ eGbf a9L dflg;x? 3fOt] ePsf] cg'dfg ul/ Psf] 5 . pQm e"sDksf sf/ 0f nfvf} +sf] ;+Vofdf gLlh 3/ , ;fj{ hlgs ;DklQ, ljBfno, ;f+: s[ lts w/ f] x/ cflb Wj: t x'g k'u] eg] nfvf} + dflg;x? 3/ jf/ ljlxg aGg k'u] . o; b'Mvb 38Ldf ;Dk"0f{ d[ tsx? k|lt xflb{ s >4f~hnL Pj+ zf] s ;GtKt kl/ jf/ hgk|lt xflb{ s ;dj] bgf k|s6 ub{ 5' . ;fy} olt 7"nf] e"sDkdf ;d] t o; ul/ df ljsf; a} +s lnld6] 8sf s'g} klg ;+/ rgfx?df ulDe/ gf] S;fgL gePsf] Aoxf] / f hfgsf/ L u/ fpg rfxG5' .

e"sDk kZrft k'glgdf{ 0f sfo{ cleofgsf] ?kdf cufl8 a9\g] / ;/ sf/ sf] k"FhLut vr{ j[ l4 eO{ cy{ tGq yk rnfodfg x'g] ljZjf; lnOPsf] ePtfklg To;f] x'g ;s] g . To: t} u/ L dg;'g l9nf] dfq z'? eO{ s[ lif pTkfbg 36\g', cfGtl/ s pTkfbgd'ns ultljlwdf clejl[ 4 x'g g;s] sf] n] / f] huf/ Lsf cj;/ x?df j[ l4 gx'g', ;+ljwfg 3f] if0ffkZrft ;d] t t/ fO{ dw] ;df nuftf/ aGb x8\tfn eO/ x] sf sf/ 0f nufgL d} qL jftfj/ 0f aGg g;Sg' nufotsf sf/ 0fx?n] ubf{ ;du| Aoj;flos jftfj/ 0f cToGt gfh's aGb} uPsf] 5 . g] kfn / fi6« a} +sn] a} { +s tyf ljQLo ;+: yfx?nfO{ s[ lif, ko{ 6g, phf{ nufotsf pTkfbgzLn If] qdf nufgL j[ l4 ug{ lgb] { zg hf/ L u/ ] sf] ePtfklg pQm If] qx?df shf{ nufgL a9fpg pko'Qm jftfj/ 0f tof/ ePsf] 5} g . kl5Nnf] ;dodf Psflt/ t/ ntfdf j[ l4 x'g'sf ;fy} shf{ nufgLsf If] qx?df ;+s'rg cfPsf] n] lgIf] ksf] Aofhb/ df sdL x'Fb} uPsf] 5 eg] b] zdf d'Noj[ l4b/ a9\b} uO/ x] sf] 5 . o; k|sf/ sf] ljifd kl/ l: yltaf6 d'n'snfO{ cfly{ s ;d'Ggltsf] af6f] df cufl8 a9fpg kSs} klg / fHon] gofF / 0fgLltx? cl3 ;fg] { 5 eGg] ljZjf; lnPsf] 5' .

6

;ldIff jif{ df a} +s tyf ljQLo ;+: yfx?sf] lgIf] k kl/ rfng @).! k|ltzt / shf{ tyf nufgL !&.% k|ltztn] j[ l4 ePsf] 5 . lgIf] k / shf{ tyf nufgLsf] of] j[ l4b/ cfly{ s jif{ @)&)÷&! sf] j[ l4b/ -qmdzM !*.$ / !$.$ k|ltzt_ eGbf al9 xf] . g] kfn / fi6« a} +s4f/ f hf/ L k|ltj] bg adf] lhd ;dLIff jif{ df jfl0fHo a} +s / ljsf; a} +sx?sf] lgIf] k kl/ rfngdf qmdzM @!.$ / !%.@ k|ltztn] j[ l4 ePsf] 5 eg] ljQ sDkgLx?sf] lgIf] k kl/ rfng ).^ k|ltztn] 36] sf] 5 . To: t} u/ L ;dLIff jif{ df jfl0fHo a} +s, ljsf; a} +s / ljQ sDkgLx?sf] shf{ k|jfxdf qmdzM @@.)), !^.)) / ).$ k|ltztn] j[ l4 ePsf] 5 .

k'glgdf{ 0f k|flws/ 0fn] sfg'gL Pj+ g] t[ Tj ;DalGw k'0f{ tf k|fKt u/ ] sf] ;Gbe{ df cfufdL lbgdf ;/ sf/ L k"FhLut vr{ a9\g] , t/ fO dw] ; cfGbf] ngsf] ;dfwfg ;+u} ;+l3otf ;DalGw k|zf;lgs Pj+ ;+/ rgfut lgdf{ 0fx? cufl8 a9\g] / b] zn] / fhgLlts l: y/ tf kfpg] xf] eg] cfufdL lbgdf Aoj;flos jftfj/ 0f ;sf/ fTds aGg ;Sg] cg'dfg ug{ ;lsG5 .

;g\ @)!% df ljsl;t b] zx?sf] cfly{ s ultljlwdf ;'wf/ x'g] / ljsf;zLn b] zx?sf] cfly{ s ultljlwdf ;+s'rg cfpg] k|If] k0fx? Ul/ Psf 5g\ . ef/ t / rLgn] cfly{ s If] qdf 7'nf] k|ult xfl;n ub} { cufl8 a9] sf] ;Gbe{ df g] kfnn] ljZj / l5d] sL d'n'sx? Eff/ t / rLgsf] cfly{ s ljsf;af6 kmfObf lng] u/ L / fli6«o lxtdf pko'Qm / 0fgLltx? to ug'{ kg] { b] lvG5 . d'ntM phf{ df cfTdlge{ / aGg] u/ L / fli6«o k"FhL kl/ rfng u/ L xfO8«f] kfj/ tyf ljB'tLo / ] ndfu{ tyf ljB'tLo ;jf/ L;fwg k|of] u ug{ ;Sg] u/ L bL3{ sflng ;+/ rgfx?sf] lgdf{ 0f x'g'sf ;fy} a} b] lzs / f] huf/ sf] ;§f pTkfbgzLn If] qdf o'jf ju{ nfO{ kl/ rfng ug] { u/ L / fli6«o gLlt lgdf{ 0f x'g'kg] { cfjZostfsf] dxz'; ePsf] 5 . / fHo: t/ af6 o;k|sf/ sf ljsf;sf cfwf/ e't ;+/ rgfx?sf] lgdf{ 0f x'g] / / fhgLlts l: y/ tf sfod eO{ cfly{ s ;DkGgtfsf] nIfsf ;fy cufl8 a9\g] jftf/ 0f tof/ x'g ;s] sf] cj: yffdf d'n'sdf Aoj;flos jftfj/ 0fsf] ljsf; x'g uO{ pBf] u, Aofkf/ , ko{ 6g nufotsf jf: tljs aoj;flos If] qsf] ljsf; x'g] / a} +lsª Aoj;fosf nflu k|of{ Kt cj;/ x? k|fKt x'g ;Sb5 . cfzf u/ f} +, cfufdL ;do ;sf/ fTds 9+un] cufl8 a9\g] 5 .

cfly{ s jif{ @)&!÷&@ df ljsf; a} +ssf] sf/ f] af/ sf] ;dLIfful/ df ljsf; a} +s lnld6] 8, ;fljs ul/ df ljsf; a} +s lnld6] 8 / ;fljs lgnlul/ ljsf; a} +s lnld6] 8 Ps cfk;df ufleO{ ldlt @)&@ c;f/ @( b] lv / fli6«o: t/ sf] ljsf; a} +ssf] ?kdf Ohfhtkqk|fKt ljsf; a} +s xf] . ;fljs ul/ df ljsf; a} +s lnld6] 8n] cfkm\gf] sfo{ If] q $–!) lhNnfdf / ;fljs lgnlul/ ljsf; a} +s lnld6] 8n] cfkm\gf sfo{ If] q !–# lhNnfdf 5'§} klxrfg agfPsf lyP eg] b'j} ljsf; a} +sx? Ps cfk;df uflePkZrft b] zsf] a} lsª If] qdf : ki6 klxrfg k|: t't ub} { z] o/ wgLx?nfO{ plrt k|ltkmn Pj+ ;] jfu|fxLx?nfO{ u'0f: t/ Lo ljQLo ;] jf k|jfx ug{ k|ltj4 / x] sf] Aoxf] / f k|i6 kfg{ rfxG5' . o; ljsf; a} +sn] cfly{ s jif{ @)&!÷&@ df xfl;n u/ ] sf pknlAwx?nfO{ b] xfo adf] lhd k|: t't ug{ rfxG5' M–

cfly{ s jif{ @)&!÷&@ df a} +sn] xfl;n u/ ] sf pknlAwx?

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

d;fGtj[ l4

k|ltzt;fljs ul/ df ;fljs lgnlul/ hDdf

s'n ;DkQL 4, 612, 393, 111.46 960, 736, 485.00 5, 573, 129, 596.46 7, 452, 362, 537.03 33.72

r'Qmf k"FhL 448, 800, 000.00 120, 000, 000.00 568, 800, 000.00 711, 000, 000.00 25.00

lgIf] k ;+sng 4, 015, 479, 641.66 795, 967, 395.00 4, 811, 447, 036.66 6, 358, 593, 057.80 32.16

shf{ nufgL 3, 496, 403, 793.47 744, 752, 836.00 4, 241, 156, 629.47 5, 503, 431, 716.79 29.76

s'n ;+rfng d'gfkmf -g] fS;fgL_

160, 615, 798.39 22, 979, 072.00 183, 594, 870.39 227, 592, 062.64 23.96

s'n v'b d'gfkmf 104, 232, 944.14 24, 393, 093.00 128, 626, 037.14 144, 209, 771.72 12.12

lgis[ o shf{ -k|ltzt_

0.12 0.35 0.16 0.29 84.08

7

dfly pNn] v ul/ Psf ;"rsf+sx?sf cfwf/ df cfly{ s jif{ @)&!÷&@ df a} +sn] pNnvgLo k|ult xfl;n u/ ] sf] Aoxf] / f uj{ sf ;fy k|: t't ug{ rfxG5' . s'n ;DklQ, lgIf] k ;+sng, shf{ nufgL tyf ;+rfng Pj+ v'b d'gfkmf j[ l4nfO{ ljZn] if0f ubf{ a} +ssf] lj: tf/ ltj| ?kdf e} / x] sf] 5 eg] ] lgis[ o shf{ k|ltj] bg jif{ df j[ l4 x'g k'u] sf] 5 . d'n'ssf] k|lts'n Aoj;flos Pj+ cfly{ s kl/ l: yltsf afah'b shf{ c;'nL k|efjsf/ L / x] sf] ePtfklg shf{ nufgL tyf c;'nLdf yk rgfvf] / xg cfjZos 5 eGg] dxz'; ul/ Psf] 5 . rfn' cfly{ s jif{ df lgis[ o shf{ nfO{ z"Gosf] txdf Nofpg Aoj: yfkgnfO{ lgb] { zg lbOPsf] 5 .

k|ltj] bg tof/ ePsf] ldlt;Dd rfn' jif{ sf] pknAwL / eljiodf ug{ ' kg] { s'/ fsf] ;DaGwdf ;+rfns ;ldltsf] wf/ 0ffrfn' cfly{ s jif{ sf nflu a} +sn] ? * cj{ @$ s/ f] 8 lgIf] k ;+sng u/ L ?= & cj{ $% s/ f] 8 shf{ nufgL ug] { nIf lnPsf] 5 . rfn' cfly{ s jif{ sf] ;ldIff cjlwsf] d"Nof+sg ubf{ a} +sn] ah] 6 cg';f/ nIo xfl;n ug{ lgs} kl/ >d ug'{ kg] { b] lvG5 . d'n'ssf] sdhf] / Aoj;flos jftfj/ 0fsf sf/ 0f shf{ nufgL tkm{ pTkfbgzLn If] qsf] cefj dxz'; eO{ / x] sf] 5 . of] k|ltj] bg tof/ kfbf{ ;Dd ljsf; a} +sn] sl/ j & cj{ ?k} ofF lgIf] k ;+sng ug'{ sf ;fy} sl/ j ^ cj{ @% s/ f] 8 ?k} ofF shf{ nufgL u/ ] sf] 5 . nuftf/ sf] t/ fO dw] z cfGbf] ngn] t/ fO If] qdf / x] sf zfvf sfof{ nox?af6 cfzfltt Aoj;fo ug{ g;lsPsf] / cGo If] qdf ;d] t Aoj;flos jftfj/ 0f a} +lsª If] qsf nflu cg's'n g/ x] sf] ePtfklg Aoj: yfkgnfO{ k|efjsf/ L / 0fgLlt to u/ L sfo{ ug{ lgb] { zg lbOPsf] 5 .rfn' cfly{ s jif{ cjlwdf a} +sn] g] kfn / fi6« a} +saf6 sf7df08f} sf] uf] +uj', lrtjgsf] gf/ fo0fu9, gjnk/ f;Lsf] ab{ 3f6, : ofªhfsf] rfkfsf] 6 / afUn'ªsf] a'lt{ afªdf zfvf sfof{ no : yfkgf ug] { : jLs[ lt kfO;s] sf] ;Gbe{ df pQm zfvf sfof{ nox? : yfkgf u/ L ;] jf lj: tf/ ul/ g] 5 . ;fy} o; ;Ddflgt ;efaf6 clVtof/ L k|Tofof] hg ePsf] cj: yfdf dh{ / tyf PlSjlh;gsf] k|lqmofnfO{ k|efjsf/ L ?kdf cufl8 a9fpg] ;d] t nIf lnOPsf] Aoxf] / f o; ;ef ;dIf hfgsf/ L u/ fpg rfxG5' .

a} +sn] xfn k|bfg ul/ / x] sf ;] jf tyf ;'ljwfx?!= cfsif{ s Aofh ;lxt ljleGg vftfx?df lgIf] k ;+sng ,

@= ;xh tl/ sfaf6 ljleGg zLif{ sx?df shf{ k|afx,

#= / ] ld6] G; ;'ljwf MWestern Union Money Transfer, IME, Sewa Money Transfer, Himal Money Transfer, Prabhu Money Transfer, City Express Money Transfer, NABIL Remit, BOK Remit, Siddhartha Remit, Reliable Remit cflb ;'ljwfx? .

$= #^% lbg] a} lsª ;'ljwf,

%= ;GWofsflng sfpG6/ ,

^= z] o/ cfj] bg ;+sng ;'ljwf,

&= tna Aoj: yfkg ;'ljwf*= ABBS (Any Branch Banking System)(== ATM ;'ljwf!)= ;'grfFbL lwtf] df shf{ k|jfx !)= SMS & Mobile Banking ;'ljwf cflb

a} +sn] cfufdL lbgdf ug] { sfo{ x? ;DaGwdfa} +lsª If] qdf b] lvPsf] k|lt: kwf{ , u|fxsx?sf] rfxgfdf ePsf] lj: tf/ , Pj+ z] o/ wgL dxfg'efjx?sf] cfsfFIffnfO{ dWogh/

/ fVb} o; a} +sn] lgs6 eljiodf lgDgfg';f/ sf sfo{ qmdx? cl3 ;f/ ] sf] s'/ f ;Dk"0f{ z] o/ wgL dxfg'efjx?df hfgsf/ L u/ fpg rfxG5' .!= ;] jfu|fxLx?nfO{ E-Banking ;'ljwf k|bfg ug] { / cGo k|fljlws ljsf; ub} { hfg] .@= ut jif{ k|ltj4tf AoQm u/ ] adf] lhd / fli6«o : t/ sf] ljsf; a} +ssf] ?kdf kl/ 0ft eO;s] sf] ;Gbe{ df ;a} eGbf w] / } zfvf

;~hfn ePsf] ljsf; a} +ssf] ?kdf : yflkt x'g] / k|efjsf/ L 9+un] u'0f: t/ Lo ;] jf k|jfx u/ L ;] jfu|fxLx?sf] klxnf] / f] hfOsf] ljsf; a} +ssf] ?kdf : yflkt ug] { .

8

#= ;dosf] dfu / ;+: yfsf] cfjZostfnfO{ Wofgdf / fVb} cGo ;'ljwfx? yk ub} { n} hfg] .$= pko'Qm a} +s tyf ljQLo ;+: yfx?sf] vf] hL u/ L dh{ / tyf PlSjlh;gdfkm{ t ;+: yfnfO{ yk z;Qm agfpFb} n} hfg] .cf} Bf] lus tyf Joj;flos ;DaGw a} +sn] cfkm\gf] a} lsª Aoj;fo;+u k|ToIf tyf ck|ToIf ?kdf ;DaGw / fVg] ;Dk"0f{ cf} Bf] lus k|lti7fg, Aofkfl/ s ;+: yf tyf Aofkf/ L, z} lIfs ;+: yf, ;/ sf/ L tyf u} / ;/ sf/ L ;+: yf, ;xsf/ L ;+: yf tyf ;dfhsf ;a} If] q;+u ;f} xfb{ |k"0f{ ;DaGw sfod / fVb} cfPsf] 5 . cfkm\gf] sfo{ If] qleq lqmoflzn cGo a} +s Pj+ ljQLo ;+: yfx?;+u klg o; ;+: yfn] ldqjt\ ;DaGw sfod u/ ] sf] 5 . cfufdL lbgx?df o: tf] ;DaGwnfO{ cem alnof] / km/ flsnf] agfpFb} nlug] 5 .

;+rfns ;ldltdf ePsf] x] / km] / cfly{ s jif{ @)&!÷&@ cjlwdf ;fljs ul/ df ljsf; a} +s lnld6] 8sf] l/ Qm ;+rfns kbdf ;+: yfks z] o/ wgL >L b'uf{ axfb'/ u'?ªHo"nfO{ lgo'Qm ul/ Psf] lyof] . To: t} u/ L ldlt @)&@ d+l;/ ( ut] ;DkGg cf7f} + jflif{ s ;fwf/ 0f ;efaf6 ;j{ ;fwf/ 0f z] o/ wgLx?sf] tkm{ af6 k|ltlglwTj ug] { tLg hgf ;+rfnsx?df qmdzM >L ;+lhj 9sfn, >L s] zj/ fh 9sfn / >L r'8fdl0f s+8] n ;j{ ;Ddltdf lgjf{ lrt x'g'ePsf] lyof] . ;+rfns >L r'8fdl0f s+8] nHo"n] ;+rfns kbaf6 ldlt @)&@÷)!÷@* df lbg'ePsf] / flhgfdf ldlt @)&@÷)@÷)* ut] a;] sf] ;+rfns ;ldltaf6 : jLs[ t ePsf] lyof] . To: t} u/ L ;fljs lgnlul/ ljsf; a} +s lnld6] 8sf] ldlt @)&@ d+l;/ ( ut] ;DkGg cf7f} + jflif{ s ;fwf/ 0f ;efaf6 ;j{ ;fwf/ 0f z] o/ wgLx?sf] tkm{ af6 k|ltlglwTj ug] { tLg hgf ;+rfnsx?df qmdzM >L ladn kf08] , >L ;'ljg >] i7 / >L cd[ t aflgofF ;j{ ;Ddltdf lgjf{ lrt x'g'ePsf] lyof] . ;fljs ul/ df ljsf; a} +s lnld6] 8 / ;fljs lgnlul/ ljsf; a} +s lnld6] 8 Ps cfk;df ufEg] ufleg] ;DalGw ;Demf} tfdf pNn] v eP adf] lhd b'j} ljsf; a} +sx? Ps cfk;df ufleO{ Plss[ t sf/ f] af/ u/ ] sf] lbg ldlt @)&@ c;f/ @( ut] b'j} ljsf; a} +sx?sf] ;fljs ;+rfns ;ldltx? tyf ;+o'Qm dh{ / ;ldlt ;d] t lj36g eO{ b] xfo adf] lhdsf] ;+rfns ;ldlt u7g ePsf] Aoxf] / f o; ;ef ;dIf hfgsf/ L u/ fpg rfxG5' .

qm=;+= gfd kb k|ltlglwTj ;d"x

! >L lblnkk|tfk vf0f cWoIf ;+: yfks

@ >L rGb|sfGt a/ fn ;~rfns ;+: yfks

# >L Zofdk|;fb a: ofn ;~rfns ;+: yfks

$ >L xl/ s'df/ >] i7 ;~rfns ;+: yfks

% >L ;+lhj 9sfn ;~rfns ;j{ ;fwf/ 0f

^ >L s] zj/ fh 9sfn ;~rfns ;j{ ;fwf/ 0f

& >L ljdn kf08] ;~rfns ;j{ ;fwf/ 0f

* >L s'~h/ fh yfkf Aoj;flos ;~rfns ;+rfns ;ldltsf] ldlt @)&@÷)%÷@# sf] lg0f{ ofg';f/ k'gM lgo'Qm

sf/ f] jf/ nfO{ c;/ kfg] { d'Vo s'/ fx? ljutdf h: t} a} +lsª Aoj;fonfO{ c;/ kfg} { d'Vo s'/ fx? lgDgfg';f/ / x] sf 5g M• d'n'ssf] cGof} nk"0f{ / fhgLlts kl/ l: ylt,

• Aoj;flos jftfj/ 0fsf] cefjsf sf/ 0f pTkfbgzLn If] qdf gofF nufgLsf cj;/ sf] cefj,

• Aoj;flos c;'/ Iff, x8\tfn, cfGbf] ng cflb• a} lsª If] qdf b] lvPsf] Aofh b/ tyf AolQmut ;DaGwsf cfwf/ df e} / x] sf] tLa| k|lt: kwf{ cflb

n] vf k/ LIf0f k|ltj] bg ;DaGwdf ;+rfns ;ldltsf] k|ltlqmofa} +ssf] lgoldt sfo{ ;Dkfbgsf qmddf ePsf ;fdfGo sdL sdhf] / L afx] s g] kfn / fi6« a} +ssf] gLlt lgb} { zg tyf k|rlnt sfg"g ljkl/ t sfo{ u/ ] sf ulDe/ k|s[ ltsf l6Kk0fLx? n] vfk/ LIf0f k|lta] bgdf pNn] nv ul/ Psf] 5} g . n] vfk/ LIfsn] lbPsf

9

;'emfjx?sf] sfof{ Gjog ug{ sf nflu Aoj: yfkgnfO{ lgb] { zg lbO;lsPsf] 5 / clwsf+z ;'emfjx? sfof{ Gjog eO;s] sf] hfgsf/ L Aoj: yfkgaf6 k|fKt ePsf] hfgsf/ L u/ fpg rfxG5' .nfef+z ljt/ 0f ug{ k|: tfj ul/ Psf] / sdljsf; a} +sn] cfly{ s jif{ @)&!÷&@ sf] d'gfkmf tyf z] o/ lk|ldod ;d] taf6 r'Qmf k"FhL &! s/ f] 8 !) nfv ?k} ofFsf] @) k|ltztn] x'g] !$ s/ f] 8 @@ nfv ?k} ofF a/ fa/ sf] af] g; z] o/ ljt/ 0f ug] { k|: tfj ul/ Psf] 5 . ;fljs ul/ df ljsf; a} +s lnld6] 8 / ;fljs lgnlul/ ljsf; a} +s lnld6] 8 Ps cfk;df uflePsf] sf/ 0f b'j} ;+: yfx? Ps cfk;df ufle+bfsf] ldltdf sfod z] o/ wgLx?n] nfef+z s/ df 5'6 kfpg] ePsf] n] af] g; z] o/ ljt/ 0f ubf{ nfUg] nfef+z s/ sf] nflu cltl/ Qm Aoj: yf ul/ Psf] 5} g . ctM b'j} ;+: yfx? Ps cfk;df ufle+bfsf] lbg ldlt @)&@ c;f/ @( ut] eGbf k5fl8 z] o/ vl/ b u/ L sfod z] o/ wgLx?nfO{ af] g; z] o/ ljt/ 0f u/ ] afkt nfUg] nfef+z s/ lgh z] o/ wgLx?af6 g} lnO{ af] g; z] o/ ljt/ 0f ug] { k|: tfj u/ ] sf 5f} + .

;+rfns ;ldltaf6 k|: tfljt af] g; z] o/ ;DalGw k|: tfj kfl/ t ul/ lbg'x'g cg'/ f] w ub{ 5f} |+ .

cfGtl/ s lgoGq0f k|0ffnLsf] ljj/ 0f a} +ssf] lgoldt tyf b} lgs sfd sf/ afxL ;xfos : t/ sf sd{ rf/ Lx?af6 u/ fO{ sf/ f] af/ sf] k|s[ lt Pj+ lgoGq0f k|0ffnL adf] lhd clws[ t Pj+ Aoj: yfkg : t/ sf sd{ rf/ Lx?af6 l: js[ t ug] { k|0ffnLsf] ljsf; ul/ Psf] 5 . : jtGq cfGtl/ s n] vfk/ LIfs lgo'Qm u/ L lghn] p7fPsf s} lkmotx? tyf afXo n] vfk/ LIfsn] p7fPsf l6Kk0fLx? n] vfk/ LIf0f ;ldltdf 5nkmn u/ L ;f] sf] cfwf/ df sdL sdhf] / Lx? ;'wf/ ub} { n} hfg] k|0ffnL ljutb] lv g} ckgfpFb} cfPsf] hfgsf/ L u/ fpg rfxG5' . cfGtl/ s tyf afXo n] vfk/ LIfsn] cf} +NofPsf s} lkmotx? ;DaGwdf n] vfk/ LIf0f ;ldltdf 5nkmn eO{ pQm ;ldltsf] l;kmfl/ z adf] lhd ;+rfns ;ldltsf] j} 7sdf 5nkmn ug] { , ;fy} ;Dk"0f{ ;+rfns : t/ Lo ;ldltx?af6 eP u/ ] sf lg0f{ ox? ;d] t ;+rfns ;ldltsf] cf;Gg j} 7sdf hfgsf/ L u/ fpg] k4tLsf] ljsf; ul/ Psf] n] a} +ssf ;Dk"0f{ ultljlwx?sf af/ ] df ;+rfns ;ldltdf lgoldt hfgsf/ L x'g] k|0ffnLsf] ljsf; ul/ Psf] hfgsf/ L u/ fpg rfxG5' .

s[ t1tf 1fkgul/ df ljsf; a} +s lnld6] 8n] d'n'ssf] ljQLo kl/ b[ Ziodf ul/ dfdo : yfg agfpg ;kmn ePsf] 5 . a} +ssf] of] pT;fxhgs pknAwL xfl;n ug] { l;nl;nfdf xfdLnfO{ ljZjf; ug] { ;Dk"0f{ lgIf] kstf{ , ;] jfu|fxL, ;'e] R5's, ;xof] uL, ;+: yfks tyf ;j{ ;fwf/ 0f z] o/ wgL dxfg'efjx? tyf a} +ssf] Aoj: yfkgdf nugzLn eO{ of] ubfg k'¥ofpg'x'g] ;Dk"0f{ sd{ rf/ Lx? k|lt xflb{ s cfef/ AoQm ub{ 5' . ;dod} n] vfk/ LIf0f sfo{ ;DkGg u/ L ljleGg ;Nnfx ;'emfj k|bfg ug'{ ePsf] df n] vfk/ LIfsHo" tyf z] o/ / lhi6«f/ sf] ?kdf k|efjsf/ L ;] jf k|jfx u/ ] sf] df P; Soflk6n lnld6] 8nfO{ ;~rfns ;ldltsf] tkm{ af6 xflb{ s wGojfb lbg rfxG5' . ;fy} lgodgsf/ L ;+: yfx? g] kfn / fi6« a} +s, g] kfn ;/ sf/ sf ljleGg lgsfox?, sDkgL / lhi6«f/ sf] sfof{ no, g] kfn lwtf] kq af] 8{ , g] kfn : 6s PS;r] ~h lnld6] 8 nufotsf ;Dk"0f{ lgsfox?nfO{ ;do ;dodf ljleGg / rgfTds ;'emfj k|bfg u/ L ;xof] u k'¥ofpg'ePsf] df cfufdL lbgx?df klg o: t} ;xof] usf] ck] Iff / fVb} xflb{ s cfef/ AoQm ub{ 5' .

wGojfb Û lblnk k|tfk vf0f cWoIf

;~rfns ;ldlt

10

cg';"lr æsÆ sDkgL P] g, @)^# sf] bkmf !)( cGtu{ t ;~rfns ;ldltsf] 5'6\6} k|ltj] bgdf pNn] v x'g' kg] {

ljj/ 0fx?sf] afFsL a'Fbfut ljj/ 0f

!_ z] o/ hkmt ePsf] eP hkmt ePsf] z] o/ ;+Vof, To: tf] z] o/ sf] c+lst d"No, To: tf] z] o/ hkmt x'g'eGbf cufj} ;f] afkt sDkgLn] k|fKt u/ ] sf] hDdf / sd / To: tf] z] o/ hkmt eP kl5 ;f] z] o/ ljqmL u/ L sDkgLn] k|fKt u/ ] sf] / sd tyf hkmt ePsf] z] o/ jfkt / sd lkmtf{ u/ ] sf] eP ;f] sf] ljj/ 0f,

cfly{ s aif{ @)&!÷&@ df s'g} z] o/ hkmt ul/ Psf] 5} g .

@_ ljut cfly{ s aif{ df sDkgL / o;sf] ;xfos sDkgLsf] sf/ f] jf/ sf] k|ult / ;f] cfly{ s aif{ sf] cGtdf / x] sf] l: yltsf] k'g/ fjnf] sg,

a} +ssf] k|ult ;f] cfly{ s jif{ sf] cGtdf / x] sf] l: ylt ;+nUg jf;nft, gfkmf gf] S;fg lx;fa / gub k|jfx ljj/ 0fn] k|i6 kfb{ 5g\ . ;fy} ;~rfns ;ldltsf] cf=a= @)&!÷&@ sf] k|lta] bgdf a} +ssf] sfo{ ;Dkfbg ;dLIff ;dfj] z ul/ Psf] 5 .

a} +ssf] s'g} klg ;xfos sDkgL g/ x] sf] n] ;f] ;DaGwL ljj/ 0f cfjZos g/ x] sf] .

#_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{ s aif{ df ;DkGg u/ ] sf] k|d'v sf/ f] jf/ x? / ;f] cjlwdf sDkgLsf] sf/ f] jf/ df cfPsf] s'g} dxTjk"0f{ kl/ jt{ g,

cfly{ s jif{ @)&!÷&@ df ;fljs ul/ df ljsf; a} +s lnld6] 8 / ;fljs lgnlul/ ljsf; a} +s lnld6] 8 Ps cfk;df ufleO{ ufleP/ ag] sf] ;+: yf, ul/ df ljsf; a} +s lnld6] 8 / fli6«o: t/ sf] ljsf; a} +ssf] ?kdf ?kfGt/ 0f ePsf] 5 . ;f] afx] sf ;f] cfly{ s jif{ df sDkgLsf] To: tf] dxTjk"0f{ sf/ f] af/ ePsf] 5} g .

$_ ljut cfly{ s aif{ df sDkgLsf] cfwf/ e"t z] o/ wgLn] sDkgLnfO{ pknJw u/ fPsf] hfgsf/ L, gePsf] .

%_ ljut cfly{ s aif{ df sDkgLsf ;~rfns tyf kbflwsf/ Lx?n] lnPsf] z] o/ sf] : jfldTjsf] ljj/ 0f / sDkgLsf] z] o/ sf/ f] jf/ df lghx? ;+nUg / x] sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/ ] sf] hfgsf/ L,

;~rfnsx?n] lnPsf] z] o/ sf] : jfldTjsf] ljj/ 0f lgDg adf] lhd / x] sf] / z] o/ sf/ f] jf/ df ;+rfnsx? tyf Joj: yfkgdf / x] sf kbflwsf/ Lx? ;+nUg / x] sf 5} gg\ .

qm=;+= gfd kb k|ltlglwTj z] o/ ;+Vof

;+: yfks ;j{ ;fwf/ )f hDdf

! >L lblnkk|tfk vf0f cWoIf AolQmut 28, 050.00 – 28, 050.00

@ >L rGb|sfGt a/ fn ;~rfns AolQmut 179, 800.40 – 179, 800.40

# >L Zofdk|;fb a: ofn ;~rfns AolQmut 158, 483.00 – 158, 483.00

$ >L xl/ s'df/ >] i7 ;~rfns AolQmut 60, 107.00 22, 393.80 82, 500.8

% >L ;+lhj 9sfn ;~rfns AolQmut – 645.72 645.72

^ >L s] zj/ fh 9sfn ;~rfns AolQmut – 729.44 729.44

& >L ljdn kf08] ;~rfns AolQmut – 425.00 425.00

* >L s'~h/ fh yfkf Aoj;flos ;~rfns

– – –

-Gff] 6M ;+rfns >L xl/ s'df/ >] i7Ho"sf] : jfldTjdf / x] sf] ;j{ ;fwf/ 0f z] o/ ;fljs lgnlul/ ljsf; a} +s lnld6] 8sf] : jfldTj ;+/ rgf kl/ jt{ g ePsf] sf/ 0f ;+: yfks z] o/ af6 kl/ jt{ g ePsf] z] o/ / x] sf] Aoxf] / f hfgsf/ L u/ fOG5 ._

11

^_ ljut cfly{ s aif{ df sDkgL;Fu ;DjlGwt ;Demf} tfx?df s'g} ;~rfns jf lghsf] glhssf] gft] bf/ x?sf] AolQmut : jfy{ sf] jf/ ] df pknJw u/ fOPsf] hfgsf/ Lsf] Aoxf] / f,

gePsf] .&_ sDkgLn] cfkm\gf] z] o/ cfkm} n] vl/ b u/ ] sf] eP To;/ L cfkm\gf] z] o/ vl/ b ug'{ sf] sf/ 0f, To: tf] z] o/ sf] ;+Vof / c+lst

d"No tyf To;/ L z] o/ vl/ b u/ ] jfkt sDkgLn] e'QmfgL u/ ] sf] / sd, o: tf] s'g} sf/ f] af/ ePsf] 5} g . *_ d'gfkmf afF8kmfF8, ljsf; a} +sn] cfly{ s jif{ @)&!÷&@ sf] d'gfkmf tyf z] o/ lk|ldod ;d] taf6 r'Qmf k"FhL &! s/ f] 8 !) nfv ?k} ofFsf]

@) k|ltztn] x'g] !$ s/ f] 8 @@ nfv ?k} ofF a/ fa/ sf] af] g; z] o/ ljt/ 0f ug] { k|: tfj ul/ Psf] 5 .(_ ljut cfly{ s aif{ sf] s'n Joj: yfkg vr{ sf] ljj/ 0f, cfly{ s jif{ @)&!÷&@sf] s'n Joj: yfkg vr{ sf] ljj/ 0f b] xfo adf] lhd / x] sf] 5 . ;+rfng vr{ ?= 6, 56, 68, 071.83 sd{ rf/ L vr{ ?= 5, 72, 61, 426.76 hDdf Aoj: yfkg vr{ ?=12, 29, 29, 498.58

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

Af} +sdf lgDg adf] lhdsf] n] vfk/ LIf0f ;ldlt / x] sf] 5 . ;+of] hs – ;~rfns >L s] zj/ fh 9sfn ;b: o – ;~rfns >L ;+lhj 9sfn ;b: o – ;~rfns >L r'8fdl0f s+8] n -;+rfns kbdf axfn x'Fbf n] vfk/ LIf0f ;ldltdf / xg'ePsf] ._ ;b: o ;lrj – >L O{ Zj/ Lk|;fb 9sfn, k|d'v– k|zf;g ljefu

-gf] 6M cfGtl/ s n] vfk/ If0f ljefusf] ljefuLo k|d'vsf] lhDd] jf/ Ldf 5'§} sd{ rf/ L gtf] lsPsf] / cfGtl/ s n] vfk/ LIf0f ;d] t afXo : jtGq n] vfk/ LIfsaf6 u/ fOPsf] n] k|zf;g ljefu k|d'vnfO{ n] vfk/ LIf0f ;ldltsf] ;b: o ;lrjsf] lhDd] jf/ L lbOPsf] df xfn cfGtl/ s n] vfk/ LIf0f ljefu k|d'vsf] lhDd] jf/ L 5'§} sd{ rf/ LnfO{ lbg'sf ;fy} g] kfn / fi6« a} +ssf] ;'emfj ;d] tsf] cfwf/ df cfGtl/ s n] vfk/ LIf0f ;DalGw sfo{ ;d] t ;f] xL ljefuaf6 ug] { Aoj: yf ldnfOPsf] 5 ._

;f] ;ldltdf ;xefuL ;~rfns ;ldltsf ;b: ox?nfO{ k|To] s a} 7s eQf afkt ?= @, %))÷– a} 7s eQf k|bfg ug] { Joj: yf 5 . o; cf=j=df ;f] ;ldltsf ;+rfns ;b: ox?nfO{ ?= #), )))÷– a} 7s eQf k|bfg ul/ Psf] 5 . ;dLIff calwdf o; ;ldltsf] a} 7s % k6s a;] sf] / o; ;ldltn] ;do ;dodf cfGtl/ s n] vfk/ LIf0f k|ltj] bg tyf jflif{ s n] vfk/ LIf0f k|ltj] bg pk/ 5nkmn u/ L ;~rfns ;ldltdf k|ltj] bg k] z ug'{ sf ;fy} a} +ssf] ljQLo l: ylt, cfGtl/ s lgoGq0f k|0ffnL, hf] vLd Go"gLs/ 0f ;DaGwdf Joj: yfkgnfO{ lgb] { zg / ;'emfj lbg'sf ;fy} ;~rfns ;ldltnfO{ hfgsf/ L k|bfg u/ ] sf] 5 .

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

s] xL gePsf] .

!@_ ;~rfns, k|aGw ;~rfns, sfo{ sf/ L k|d'v tyf kbflwsf/ Lx?nfO{ e'QmfgL ul/ Psf] kfl/ >lds, eQf tyf ;'ljwfsf] / sd, ;~rfns, sfo{ sf/ L k|d'v tyf kbflwsf/ Lx?nfO{ e'QmfgL ul/ Psf] kfl/ >lds, eQf tyf ;'ljwfsf] / sd b] xfo jdf] lhd

/ x] sf] 5 .

!= cWoIf tyf ;~rfns ;~rfns ;ldltsf cWoIf / ;~rfns ;b: ox?nfO{ ;~rfns ;ldltsf] a} 7s eQf afkt ?= $, )))÷– / pk ;ldltdf

;xefuL ;~rfns ;ldltsf ;b: ox?nfO{ ?= @, %))÷– a} 7s eQf k|bfg ug] { Joj: yf 5 . ;dLIff calwdf ;+rfns ;ldltsf] j} 7s @$ k6s a;] sf] / ;~rfns ;ldltsf cWoIf tyf ;~rfns ;b: ox?nfO{ a} 7s eQf jfkt b] xfo adf] lhdsf] / sd e'QmfgL ul/ Psf] Aoxf] / f hfgsf/ L u/ fOG5 M–

12

qm=;+= ;+rfnssf] gfd kb &] ufgf eQf / sd -?=_

1 >L lblnkk|tfk vf)f cWoIf jflnª g=kf–3, : ofªhf 96, 000.00

2 >L rGb|sfGt a/ fn ;+rfns k"DbLe"DbL uf=lj=;–3, sf: sL 72, 000.00

3 >L Zofdk|;fb a: ofn ;+rfns huqb] jL uf=lj=;–8, : ofªhf 96, 000.00

4 >L xl/ s"df/ >] i& ;+rfns a] gL g=kf=–6, DofUbL 84, 500.00

5 >L ;+lhj (sfn ;+rfns kf] v/ f–7, sf: sL 96, 000.00

6 >L s] zj/ fh (sfn ;+rfns kf] v/ f–8, sf: sL 96, 000.00

7 >L ladn kf)*] ;+rfns lutfgu/ –6, lrtjg 42, 000.00

8 >L s'~h/ fh yfkf Aoj;flos ;+rfns kf] v/ f–16, sf: sL 52, 000.00

-gf] ^M;fljs ul/ df ljsf; a} +s / ;fljs lgnlul/ ljsf; a} +s lnld^] * Ps cfk;df ufleO{ ldlt 2072 c;f/ 29 ut] b] lv Plss[ t sf/ f] af/ u/ ] sf] n] ;f] lbg ;fljs ul/ df ljsf; a} +s lnld^] * / ;fljs lgnlul/ ljsf; a} +s lnld^] *sf ;+rfns ;ldlt ;f] xL lbg lj#^g eO{ dfly pNn] lvt ;+rfns ;ldlt u&g ePsf] n] o; ljj/ )fdf lj#l^t ;+rfns ;ldltdf / xg'ePsf t/ uflePkZrft ag] sf] ;+rfns ;ldltdf g/ xg'ePsf ;+rfns dxfg'efjx?nfO{ k|bfg ul/ Psf] eQf ;dfj] z ul/ Psf] %} g ._

@ = cfly{ s jif{ @)&!÷&@ df k|d'v sfo{ sf/ L clws[ t / gfoj dxfk|jGws tyf sDkgL ;lrj nfO{ k|bfg ul/ Psf] kfl/ >lds, eQf / cGo ;'ljwf ljj/ 0f

cfly{ s jif{ @)&!÷&@ df tnj, eQf, kf] zfs, bz} + eQf, sd{ rf/ L ;+rosf] if of] ubfg, labfafktsf] e'QmfgL nufotsf zLif{ sx?df k|d'v sfo{ sf/ clws[ tnfO{ ?= #@, &!, ))).– -cIf/ ] kL aQL; nfv PsxQ/ xhf/ dfq_ / gfoj dxfk|jGws tyf sDkgL ;lrjnfO{ ? !%, ^^, #*).– -cIf/ ] kL kGw| nfv 5} ;ÝL xhf/ dfq_ e'QmfgL ul/ Psf] 5 . ;f] afx] s k|d'v sfo{ sf/ L clws[ t / gfoj dxfk|jGwsnfO{ Ps df] afOnsf] aLn adf] lhdsf] / sd / k|rlnt af] g; P] g adf] lhd af] g; k|bfg ul/ Psf] 5 .

!#_ z] o/ wgLx?n] a'lem lng af+sL / x] sf] nfef+zsf] / sd z] o/ wgLn] a'lem lng afFsL / x] sf] nfef+zsf] / sd ?= 23, 48, 095.80 / x] sf] 5 .

!$_ bkmf !$! adf] lhd ;DklQ vl/ b jf las|L u/ ] sf] s'/ fsf] ljj/ 0f != a} snfO{ cfjZos kg] { cfkm\gf] ;DklQx?sf] vl/ b tyf ljs|Lsf] laa/ 0f jf;nft ;lxt ;+nUg ljQLo ljj/ 0fsf] cg';"lr

$=!$ df pNn] v ul/ Psf] 5 . @= ;DklQ vl/ b tyf ljs|L ubf{ a} +ssf] cfly{ s k|zf;g ljlgodfjnLn] tf] s] sf] sfo{ ljlw cjnDjg ul/ Psf] 5 .

!%_ bkmf !&% adf] lhd ;Da4 sDkgL aLr ePsf] sf/ f] af/ sf] laa/ 0f, gePsf] .

!^_ o; P] g tyf k|rlnt sfg'g adf] lhd ;+rfns ;ldltsf] k|lta] bgdf v'nfpg' kg] { cGo s'g} s'/ f, gePsf] .

!&_ cGo cfjZos s'/ fx?, gePsf] .

13

l3tf] kq btf{ tyf lgisfzg lgodfjnL @)^% sf] lgod @@ sf] pklgod -!_ ;Fu ;DalGwt jflif{ s k|ltj] bg

!= ;~rfns ;ldltsf] k|ltj] bg M jflif{ s k|ltj] bgdf ;+nUg ul/ Psf] . @= n] vfk/ LIfssf] k|ltj] bg M jflif{ s k|ltj] bgdf ;+nUg ul/ Psf] . #= n] vfk/ LIf0f ePsf] ljQLo ljj/ 0f M jflif{ s k|ltj] bgdf ;+nUg ul/ Psf] . $= sfg'gL sf/ jfxL ;DaGwL ljj/ 0f M

-s_ ;+ul7t ;+: yfn] jf ;+: yfsf] lj?4 s'g} d'2f bfo/ ePsf] eP M Jofj;foLs afx] s cGo s'g} gePsf] . -v_ ;+ul7t ;+: yfsf] ;+: yfks jf ;~rfnsn] jf ;+: yfks jf ;~rfnssf] lj?4df k|rlnt lgodsf] cj1f jf kmf} Hbf/ L

ck/ fw u/ ] sf] ;DaGwdf s'g} d'2f bfo/ u/ ] sf] jf ePsf] eP M ;f] ;DaGwL hfgsf/ Ldf gcfPsf] . -u_ s'g} ;+: yfks jf ;~rfns lj?4 cfly{ s ck/ fw u/ ] sf] ;DaGwdf s'g} d'2f bfo/ ePsf] eP M ;f] ;DaGwL hfgsf/ Ldf gcfPsf] . %= ;+ul7t ;+: yfsf] z] o/ sf/ f] jf/ tyf k|ultsf] ljZn] if0f M -s_ lwtf] kq ahf/ df ePsf] ;+ul7t ;+: yfsf] z] o/ sf] sf/ f] af/ ;DaGwdf Joj: yfkgsf] wf/ 0ff M g] kfn : 6s PS;r] Gh lnld6] 8 / g] kfn lwtf] kq af] 8{ sf] ;'kl/ j] If0fdf ;~rflnt ePsf] x'gfn] o; ;DaGwdf Joj: yfkgsf]

s'g} wf/ 0ff gePsf] . -v_ cf=j= @)&!÷&@ df ;+ul7t ;+: yfsf] z] o/ sf] clwstd, Go"gtd / clGtd d'Nosf ;fy} s'n sf/ f] af/ z] o/ ;+Vof /

sf/ f] af/ lbg .

q} df; -dlxgf_ z] o/ sf]

clwstd d'No z] o/ sf]

Go"gtd d'No z] o/ sf] clGtd

d'No s'n sf/ f] af/ z] o/ ;+Vof

s'nsf/ f] af/ lbg

k|yd q} df; -c;f] h d;fGt @)&!_ 440 337 370 247619 54

bf] ;|f] q} df; -kf} if d;fGt @)&!_ 399 270 332 124569 53

t] ;|f] q} df; -r} q d;fGt @)&!_ 421 305 326 136694 57

rf} yf] q} df; -cfiff9 d;fGt @)&@_ 327 305 305 15374 7

-gf] 6M z] o/ sf/ f] af/ ;DalGw ljj/ 0f ;fljs ul/ df ljsf; a} +s lnld6] 8sf] sf/ f] af/ sf] cfwf/ df pNn] v ul/ Psf] 5._^= ;d: of, r'gf} lt tyf / 0fgLlt M

-s_ ;d: of tyf r'gf} lt cfGtl/ s – t/ ntfdf j[ l4 eO{ shf{ nufgLsf cj;/ x? ;+s'lrt x'g' . – sf/ f] jf/ tyf zfvfx?sf] a[ l4 ;+u;u} + ;+rfnghf] lvd Joj: yfkg yk r'gf} ltk"0f{ x'g' . – ;~rfng nfutdf j[ l4 x'g' cflb . afXo – / fhg} lts cl: y/ tf Pj+ nuftf/ sf] aGb x8\tfnsf sf/ 0f Aoj;flos If] qdf k/ ] sf] gsf/ fTds c;/ .

14

– ljB't tyf OGwgdf ePsf] cefj .– k|lt: kwL{ a} +lsË ahf/ . – a} +lsË If] qdf a9\bf] lgliqmo shf{ cflb .

-v_ To: tf] ;d: of tyf r'gf} tL ;dfwfg ug{ Joj: yfkgn] cjnDag u/ ] sf] / 0fgLlt M – t/ ntf Aoj: yfkgsf nflu sd nfutdf lgIf] k ;+sng ug{ k|of; ul/ Psf] 5 .– shf{ nufgLsf ljleGg gofF If] qx?sf] vf] hL ug'{ sf ;fy} pTs[ i6 u|fxsx? klxrfg ug] { / 0fgLlt cjnDag ul/ Psf] 5 .– sd{ rf/ Lsf] sfo{ Ifdtf clej[ l4sf] nflu cfGtl/ s tyf afÅo tflndsf] Aoj: yf ul/ Psf] 5 . – ;] jfu|fxLx? ;+u / fd|f] Pj ;'dw'/ ;DaGw sfod ug{ lg/ Gt/ k|of; ul/ Psf] 5 . – ;+rfng vr{ Go'gLs/ 0f ug{ sf nflu k|efjsf/ L cg'udg k|0ffnLsf] ljsf; ul/ Psf] 5 . – ahf/ sf] k|lt: kwf{ sf] ljZn] if0f u/ L u|fxssf] rfxgf adf] lhd ljleGg gofF j: t' tyf ;] jf k|: t't ul/ Psf] 5 .– lgliqmo shf{ df j[ l4 x'g ;Sg] kl/ l: yltsf] ljZn] if0f u/ L u|fxsx?sf] shf{ r'Qmf ug{ ;Sg] Ifdtfsf] ljZn] if0f u/ ] / dfq

shf{ k|jfx ug] { k|of; ul/ Psf] 5 .&= ;+: yfut ;'zf;g M – ;'zf;g ;DaGwdf g] kfn / fi6« a} +saf6 hf/ L ul/ Psf] kl/ kq, lgb] { zgx?nfO{ kfngfdf ;r] t eO{ sfo{ ug] { ul/ Psf] 5 . – ljefuLo k|d'v tyf zfvf k|d'vx?sf] lgoldt j} 7s u/ L cfGtl/ s tyf afXo n] vfk/ LIf0f k|ltj] bg, g] kfn / fi6« a} +saf6

;DkGg : ynut lg/ LIf0f k|ltj] bg tyf cfGtl/ s cg'udgaf6 cf} +NofOPsf s} lkmotx?sf] sfof{ Gjogsf nflu lgb] { zg lbg] tyf sfof{ Gjog eP gePsf] ;d] t cg'udg ug] { ul/ Psf] 5 .

– a} +ssf] cfGtl/ s n] vfkl/ If0f ljefunfO{ ;zQm kfl/ Psf] 5 . – ;+rfns ;ldlt / ;+rfns ;ldltåf/ f u7Lt ;ldltx?sf] a} 7s lgoldt ?kdf x'g'sf ;fy} pQm ;ldltx?af6 k|fKt

lgb] { zgx?sf] sfof{ Gjog ug] { ul/ Psf] 5 . – ;DklQ tyf bfloTj / hf] lvd Joj: yfkg ;DalGw ;ldlt -;+rfng, shf{ / ahf/ _ sf a} 7s lgoldt ?kdf x'g] u/ ] sf] 5 . – ;+rfns ;ldlt tyf Joj: yfkg ;+: yfut ;'zf;g sfod / fVg k"0f{ k|ltj4 / x] sf] 5 .

*= lgod @@ sf] pklgod -%_ ;Fu ;DalGwt ljz] if 36gf jf kl/ l: ylt ;DaGwL ljj/ 0f cfly{ s jif{ sf] cjlwdf pNn] v eP cg';f/ sf] ljz] if 36gf jf kl/ l: ylt ;l[ ht ePsf] eP lgDg ljj/ 0fx? ;dfj] z ug] { .

To: tf] s] xL gePsf] .

cfhsf ldlt;Dd o; k|ltj] bgdf pNn] lvt hfgsf/ L tyf ljj/ 0fx?sf] z'4tf ;DaGwdf d JolQmut ?kdf pQ/ bfloTj lnG5' . ;fy} d of] pb\3f] if ub{ 5' sL d} n] hfg] a'e] m;Dd o; k|ltj] bgdf pNn] lvt ljj/ 0fx? ;To, tYo k"0f{ 5g\ / nufgLstf{ x?nfO{ ;";'lrt x'g, lg0f{ o lng cfjZos s'g} ljj/ 0f, ;"rgf tyf hfgsf/ Lx? n'sfO{ Psf] 5} g .

uf] ljGbk|;fb 9sfnk|d'v sfo{ sf/ L clws[ t

15

16

k+"hL tyf bfloTj cg';'rL o; jif{ ?= ut jif{ ?=1= z] o/ k+"hL 4=1 851, 700, 600.00 448, 800, 000.002= hu] *f tyf sf] ifx? 4=2 121, 938, 121.55 74, 897, 675.533= C)fkq tyf aG* 4=3 – –4= ltg{ af+sL shf{ ;fk^ 4=4 – –5= lgIf] k bfloTj 4=5 6, 358, 593, 057.80 4, 015, 479, 641.666= e'QmfgL lbg' kg] { lanx? 4=6 – –7= k|: tfljt gub nfef+z – 3, 936, 843.008= cfos/ bfloTj 1, 716, 016.40 2, 497, 670.329= cGo bfloTj 4=7 118, 414, 741.28 66, 781, 280.95

s'n k+"hL tyf bfloTj 7, 452, 362, 537.03 4, 612, 393, 111.46

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

1= gub df} Hbft 4=8 193, 152, 101.00 127, 883, 930.002= g] kfn / fi^« a} +sdf / x] sf] df} Hbft 4=9 341, 079, 584.16 219, 188, 409.673= a} +s÷ljQLo ;+: yfdf / x] sf] df} Hbft 4=10 90, 223, 901.71 6, 559, 377.724= dfu tyf cNk ;"rgfdf k|fKt x'g] / sd 4=11 1, 224, 210, 428.71 709, 359, 070.615= nufgL 4=12 39, 982, 970.00 30, 899, 340.006= shf{ ;fk^ tyf lan vl/ b 4=13 5, 437, 744, 317.52 3, 458, 052, 990.527= : yL/ ;DklQ 4=14 65, 120, 526.06 47, 961, 381.578= u} / a} lsª ;DklQ 4=15 – –9= cGo ;DklQ 4=16 60, 848, 707.87 12, 488, 611.37

s'n ;DklQ 7, 452, 362, 537.03 4, 612, 393, 111.46

;+efljt bfloTj cg';'rL 4=17;~rfnsx¿sf] #f] if)ff cg';'rL 4=29k+"hLsf] if tflnsf cg';'rL 4=30hf] lvd efl/ t ;DklQ ljj/ )f tflnsf cg';'rL 4=30 -s_k|d'v ;'rsf°x¿ cg';'rL 4=31k|d'v n] vf gLltx¿ cg';'rL 4=32n] vf ;DaGwL l^Kk)fLx? cg';'rL 4=33

4=1 b] lv 4=17 ;Ddsf cg';'rLx¿ jf;nftsf cleGg c+u x'g\ .xfd|f] cfhsf] ldltsf] ;+nUg k|lta] bg cg';f/

/ f] zg ltldlN;gf dfwa k|;fb pkfWofo uf] laGb k|;fb (sfn lblnk k|tfk vf“)f l;=P= ljho / fh l#ld/ ] n] vf ljefu k|d'v gfoa dxfk|aGws k|d'v sfo{ sf/ L clws[ t cWoIf lh P)* lh P;f] l;P^\; rf^{ *{ PsfpG^] G^; n] vfk/ LIfs rGb|sfGt j/ fn Zofd k|;fb aZofn xl/ s'df/ >] i& s] za / fh (sfn ;+lha (sfn ladn kf)*] s'~h / fh yfkf ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns Joj;flos ;+rfns

ldltM 2072.08.03: yfgM kf] v/ f, g] kfn

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

17

gfkmf gf] S;fg lx;faldlt @)&! >fj0f ! ut] b] lv @)&@ ;fn cfiff9 #! ut] ;Dd

ljj/ )f cg';'rL o; jif{ ?= ut jif{ ?=

1= Aofh cfDbfgL 4=18 576, 044, 043.15 465, 098, 620.37

2= Aofh vr{ 4=19 269, 328, 134.69 244, 667, 957.18

v'b Aofh cfDbfgL 306, 715, 908.46 220, 430, 663.19

3= sldzg tyf l*: sfp)^ 4=20 7, 087, 711.67 6, 145, 800.11

4= cGo ;+rfng cfDbfgL 4=21 55, 108, 235.17 43, 417, 865.98

5= ;^xL #^a( cfDbfgL 4=22 15.00 79.20

s'n ;+rfng cfDbfgL 368, 911, 870.30 269, 994, 408.48

6= sd{ rf/ L vr{ 4=23 57, 261, 426.76 46, 517, 490.13

7= cGo ;+rfng vr{ 4=24 65, 668, 071.83 50, 206, 528.38

8= ;^xL #^a( gf] S;fg 4=22 – –

;Defljt gf] S;fgL Joj: yf cl#sf] ;~rfng d'gfkmf 245, 982, 371.72 173, 270, 389.97

9= ;Defljt gf] S;fgL Aoa: yfx? 4=25 18, 390, 309.08 12, 654, 591.58

;~rfng d'gfkmf 227, 592, 062.64 160, 615, 798.39

10= u} / ;+rfng cfDbfgL÷vr{ 4=26 704, 804.75 242, 001.65

11= ;Defljt gf] S;fgL Aoa: yf af^ lkmtf{ 4=27 – 394, 059.01

lgoldt sf/ f] jf/ af^ ePsf] d'gfkmf 228, 296, 867.39 161, 251, 859.05

12= c;fdfGo sf/ f] af/ af^ ePsf] cfDbfgL÷vr{ 4=28 – –

;Dk')f{ sf/ ] fjf/ ;dfj] z kl%sf] v'b d'gfkmf 228, 296, 867.39 161, 251, 859.05

13= sd{ rf/ L af] g; Aoa: yf 20, 754, 260.67 14, 659, 259.91

14= cfos/ Joj: yf 63, 332, 835.00 42, 359, 655.00

– o; jif{ sf] s/ Joj: yf 63, 818, 166.84 45, 357, 692.81

– ljut jif{ ;Ddsf] s/ Joj: yf 33, 904.35 –

– o; jif{ sf] : yug s/ -cfDbfgL_÷vr{ -519, 236.19_ -2, 998, 037.81_

v'b gfkmf÷gf] S;fg 144, 209, 771.72 104, 232, 944.14

4=18 b] lv 4=28 ;Ddsf cg';'rLx? gfkmf gf] S;fg lx;fasf cleGg c+u x'g\ .xfd|f] cfhsf] ldltsf] ;+nUg k|lta] bg cg';f/

/ f] zg ltldlN;gf dfwa k|;fb pkfWofo uf] laGb k|;fb (sfn lblnk k|tfk vf“)f l;=P= ljho / fh l#ld/ ] n] vf ljefu k|d'v gfoa dxfk|aGws k|d'v sfo{ sf/ L clws[ t cWoIf lh P)* lh P;f] l;P^\; rf^{ *{ PsfpG^] G^; n] vfk/ LIfs rGb|sfGt j/ fn Zofd k|;fb aZofn xl/ s'df/ >] i& s] za / fh (sfn ;+lha (sfn ladn kf)*] s'~h / fh yfkf ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns Joj;flos ;+rfnsldltM 2072.08.03: yfgM kf] v/ f, g] kfn

18

gfkmf gf] S;fg afF8kmfF8 lx;faldlt @)&! >fj0f ! ut] b] lv @)&@ ;fn cfiff9 #! ut] ;Dd

ljj/ )f o; jif{ ?= ut jif{ ?=cfDbfgL

1= ut jif{ ;Ddsf] ;+lrt d'gfkmf 3, 886, 222.77 2, 234, 748.27

1=1= lgnlu/ L lasf; a} s af^ ;l/ cfPsf] 13, 708, 812.76

2= o; jif{ sf] d'gfkmf 144, 209, 771.72 104, 232, 944.14

3= ;^xL #^a( sf] if – –

4= z] o/ lk|ldodaf^ 11, 614, 378.03 –

hDdf 173, 419, 185.28 106, 467, 692.41

vr{

1= ut jif{ ;Ddsf] ;+lrt gf] S;fg – –

2= o; jif{ sf] gf] S;fg – –

3= ;fwf/ )f hu] *fsf] if 28, 841, 954.34 20, 846, 588.83

4= e} k/ L cfpg] hu] *f – –

5= ;+: yf lasf; sf] if – –

6= nfef+z ;lds/ )f sf] if – –

7= sd{ rf/ L ;DaGwL hu] *fx? – –

8= k|: tfljt nfef+z – 3, 936, 843.00

9= k|: tfljt af] g; z] o/ 142, 200, 000.00 74, 800, 000.00

10= ljz] if hu] *f sf] if – –

11= ;^xL #^a( sf] if – –

12= k+"hL lkmtf{ hu] *f sf] if – –

13= k+"hL ;dfof] hg sf] if – –

14= : yug s/ hu] *f 519, 236.19 2, 998, 037.81

15= nufgL ;dfof] hg sf] if 5, 468.80 –

hDdf 171, 566, 659.33 102, 581, 469.64

15= ;l~rt d'gfkmf÷-gf] S;fg_ 1, 852, 525.95 3, 886, 222.77

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

/ f] zg ltldlN;gf dfwa k|;fb pkfWofo uf] laGb k|;fb (sfn lblnk k|tfk vf“)f l;=P= ljho / fh l#ld/ ] n] vf ljefu k|d'v gfoa dxfk|aGws k|d'v sfo{ sf/ L clws[ t cWoIf lh P)* lh P;f] l;P^\; rf^{ *{ PsfpG^] G^; n] vfk/ LIfs rGb|sfGt j/ fn Zofd k|;fb aZofn xl/ s'df/ >] i& s] zj / fh (sfn ;+lhj (sfn ladn kf)*] s'~h / fh yfkf ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns Joj;flos ;+rfns

ldltM 2072.08.03: yfgM kf] v/ f, g] kfn

19

OSjL

6Ldf

ePs

f] kl/ j

t{ g ;

DaGw

L ljj/

0fcfly

{ s j

if{ @)

&!÷)&

@

ljj/

)f z

] o/ k

+"hL

;l~

rt g

f=gf] =

;fw

f/ )f h

u] *f

sf] if

k+"hLu

t

hu] *f

sf] if

z] o/

lk|ldo

d

;^x

L

#^a(

sf] if

: yu

g s/

hu] *f

cGo

hu] *

f ty

f

sf] if

s'n

/ sd

;'? d

f} Hbft

448,

800,

000.00

3, 886

, 222

.77

57, 36

4, 07

9.19

–10

, 504

, 255

.00

–3, 1

43, 11

8.57

–52

3, 697

, 675

.53

: yug

s/

––

––

––

––

;dfof] lh

t ;'?

df} Hbft

448,

800,

000.00

3, 88

6, 22

2.77

57, 364

, 079

.19–

10, 504

, 255

.00

–3,

143,

118.57

–52

3, 69

7, 67

5.53

;dfof] ] h

g

lgnl

u/ L l

asf;

a} +s a

f^ ;

l/ cf

Psf]

148,

500,

600.00

13, 708

, 812

.76

16, 4

78, 511

.24

2, 66

7, 04

8.00

704,

863.6

118

2, 05

9, 83

5.61

o; j

if{ sf] y

k z] o/

k+"hL

112,

200,

000.00

––

–10

, 210

, 598

.70

––

–12

2, 41

0, 59

8.70

o; j

if{ sf] y

k d'g

fkmf

–14

4, 20

9, 77

1.72

––

––

––

144,

209,

771.7

2

;fwf/ )

f hu] *

f sf] if

–-28,

841, 9

54.34

_28

, 841

, 954

.34–

––

––

–

nufgL ;

dfof] hg

sf] if

-5, 4

68.8

0_1, 2

66, 30

8.80

1, 260

, 840

.00

: yug

s/

-519

, 236

.19_

519,

236.1

9

z] o/

lk|ldod

af^ ;

l~rt

gf=g

f] = lx;

fadf

;/ ] s

f] 11

, 614

, 378.

03-11, 6

14, 37

8.03

_

k|: tfljt

jf] g;

z] o/

14

2, 20

0, 00

0.00

-142

, 200

, 000

.00_

––

––

––

k|: tfljt

gub

nfef

+z–

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sN;

Og

P*\ef

G;–

––

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clGt

d df

} Hbft

851,

700,

600.00

1, 85

2, 52

5.95

102,

684,

544.

77–

11, 7

67, 523

.67

–4,

367,

218.37

1, 26

6, 30

8.80

973,

638,

721.5

5

xfd|f] cfh

sf] ld

ltsf] ;+nUg

k|lt

a] bg

cg';

f/

/ f] zg

ltldlN;g

f df

wa k

|;fb

pkfWo

fo

uf] ljGb k

|;fb

(sfn

lbln

k k|t

fk v

f“)f

l;=P= ljho

/ fh l#ld/ ]

n] vf ljef

u k|d

'v

gfoa

dxfk|a

Gws

k|d'v s

fo{ sf/

L cl

ws[ t

cWoI

f lh

P)*

lh P

;f] l;

P^\;

rf^{ *{ P

sfp

G^] G^

;

n] vfk/ LIfs

rGb|sfGt

j/ fn

Zofd

k|;f

b aZ

ofn

xl/

s'df

/ >] i&

s] za

/ fh (

sfn

;+l

hj

(sfn

ladn

kf)*]

s'~h

/ fh

yfkf

;+r

fns

;+rfn

s

;+rfn

s

;+rfn

s

;+rfn

s

;+rfn

s

Joj;

flos ;

+rfn

sldltM 20

72.08.03

: yfgM kf] v/ f, g] k

fn

20

gub k|jfx ljj/ 0f@)&! >fj0f ! ut] b] lv @)&@ ;fn cfiff9 #! ut] ;Dd

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

-s_ sf/ f] jf/ ;+rfngaf^ gub k|jfx 130, 212, 606.43 1, 461, 587.99

1 gub k|flKt 638, 240, 004.99 514, 199, 894.421=1 Jofh cfDbfgL 576, 044, 043.15 465, 035, 620.371=2 sldzg tyf l*isfp)^ cfDbfgL 7, 087, 711.67 5, 746, 328.871=3 ljb] zL ljlgdo sf/ f] jf/ af^ cfDbfgL 15.00 79.201=4 ckn] lvt shf{ sf] c;'nL – –

1=5 cGo cfDbfgL 55, 108, 235.17 43, 417, 865.98

2 gub e'QmfgL 423, 599, 726.03 360, 130, 302.832=1 Jofh vr{ 257, 457, 541.68 236, 363, 749.362=2 sd{ rf/ L vr{ 50, 098, 072.96 42, 909, 674.362=3 sfof{ no ;+rfng vr{ 50, 586, 043.32 37, 613, 276.442=4 cfos/ e'QmfgL 65, 458, 068.08 43, 243, 602.672=5 cGo vr{ – –

sfo{ ut k+"hL (Working Capital) ultljlw cl#sf] gub k|jfx 214, 640, 278.96 154, 069, 591.59;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[ l$_ -1, 532, 507, 407.89_ -1, 150, 622, 117.93_

1 dfu tyf cNk ;'rgfdf k|fKt x'g] / sddf sdL÷-j[ l$_ -233, 679, 809.01_2 cGo cNksflng nufgLdf sdL÷-j[ l$_ – –3 shf{ tyf lan; vl/ bdf sdL÷-j[ l$_ -1, 262, 275, 087.01) -1, 074, 888, 596.65)4 cGo ;DklQdf sdL÷-j[ l$_ -36, 552, 511.86) 3, 508, 452.94

;~rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[ l$ 1, 448, 079, 735.36 998, 014, 114.331 lgIf] k bfloTjdf -sdL_÷j[ l$ 1, 473, 107, 663.35 1, 017, 982, 141.002 ;l^{ lkms] ^ ckm l*kf] lh^df -sdL_÷j[ l$ – –3 cNksflng ;fk^Ldf -sdL_÷j[ l$ – -10, 000, 000.00_4 cGo bfloTjdf -sdL_÷j[ $L -25, 027, 927.99_ -9, 968, 026.67_-v_ nufgL sf/ f] jf/ df gub k|afx -37, 356, 434.70_ -42, 485, 846.89_1 bL#{ sflng nufgLdf sdL÷-j[ l$_ -7, 822, 790.00_ -30, 280, 640.00_2 l: y/ ;DklQdf sdL÷-j[ l$_ -29, 624, 353.70_ -12, 215, 010.89_3 bL#{ sflng nufgLdf Aofh cfDbfgL –4 nfef+z cfDbfgL 13, 760.00 9, 804.005 cGo 76, 949.00 –-u_ ljQLo >f] t sf/ f] jf/ af^ gub k|afx 117, 705, 940.09 90, 526, 485.501 bL#{ sflng C)f -j)*, l*j] Gr/ cflb_ df j[ l$÷-sdL_ –2 z] o/ k+"hLdf j[ l$÷-sdL_ 121, 705, 735.09 105, 951, 755.003 cGo bfloTjdf j[ l$÷-sdL_ –4 g] kfn / fi^« a} +saf^ k|fKt ;x"lnot÷k"g/ shf{ df j[ l$÷-sdL_ –5 gub nfef+z e'QmfgL -3, 999, 795.00_ -15, 425, 269.50_-#_ gub tyf a} +s df} Hbftsf] ljlgdo b/ df ePsf] km/ saf^ cfDbfgL÷vr{ – –-ª_ o; jif{ sf] ;Dk')f{ ultljlwaf^ gub k|jfx 210, 562, 111.82 49, 502, 226.60-r_ gub tyf a} sdf / x] sf] z"? df} Hbft 353, 631, 717.39 304, 129, 490.79-r_ lgnlu/ L lasf; a} +s af^ ;l/ cfPsf] 60, 261, 757.66-%_ gub tyf a} sdf / x] sf] clGtd df} Hbft 624, 455, 586.87 353, 631, 717.39

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

/ f] zg ltldlN;gf dfwa k|;fb pkfWofo uf] laGb k|;fb (sfn lblnk k|tfk vf“)f l;=P= ljho / fh l#ld/ ] n] vf ljefu k|d'v gfoa dxfk|aGws k|d'v sfo{ sf/ L clws[ t cWoIf lh P)* lh P;f] l;P^\; rf^{ *{ PsfpG^] G^; n] vfk/ LIfs rGb|sfGt j/ fn Zofd k|;fb aZofn xl/ s'df/ >] i& s] za / fh (sfn ;+lha (sfn ladn kf)*] s'~h / fh yfkf ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns ;+rfns Joj;flos ;+rfnsldltM 2072.08.03: yfgM kf] v/ f, g] kfn

21

z] o/ k"FhL tyf : jfldTj@)&@ cfiff9 d;fGt

cg';'rL 4=1

z] o/ : jfldTj ljj/ )f o; jif{ ?= ut jif{ ?=

k|ltzt z] o/ k+"hL z] o/ k+"hL k|ltzt

1= : jb] zL : jfldTj 100∞ 709, 500, 600.00 374, 000, 000.00 100∞

1=1 g] kfn ;/ sf/ 0∞ – – 0∞

1=2 ‘s’ ju{ sf] Ohfhtk|fKt ;+: yfx? 0∞ – – 0∞

1=3 cGo Ohfhtkqk|fKt ;+: yfx? 0∞ – – 0∞

1=4 cGo ;+: yfx? 0∞ – – 0∞

1=5 ;j{ ;fwf/ )f 47.31∞ 335, 670, 600.00 175, 780, 000.00 47∞

1=6 cGo -;+: yfks_ 52.69∞ 373, 830, 000.00 198, 220, 000.00 53∞

2= a} b] lzs : jfldTj 0∞ – – 0∞

hDdf 100∞ 709, 500, 600.00 374, 000, 000.00 100∞

ljj/ )f o; jif{ ?= ut jif{ ?=1 z] o/ k“"hL1=1 clws[ t k“"hL 1, 000, 000, 000.00 1, 000, 000, 000.00

-s_ 10, 000, 000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100 n] 1, 000, 000, 000.00 1, 000, 000, 000.00 -v_ ====== gg\l/ l*d] jn lk|km/ ] G; z] o/ k|lt z] o/ ?= ====== n] – – -u_ ============== l/ l*d] jn lk|km/ ] G; z] o/ k|lt z] o/ ?= ====== n] – –

1=2 hf/ L k+"hL 711, 000, 000.00 374, 000, 000.00 -s_ 7, 110, 000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100 n] 711, 000, 000.00 374, 000, 000.00 -v_ ====== gg\l/ l*d] jn lk|km/ ] G; z] o/ k|lt z] o/ ?= ====== n] – – -u_ ============== l/ l*d] jn lk|km/ ] G; z] o/ k|lt z] o/ ?= ====== n] – –

1=3 r'Qmf k+"hL 709, 500, 600.00 374, 000, 000.00 -s_ 7, 095, 006 ;fwf/ )f z] o/ k|lt z] o/ ?= 100 n] 709, 500, 600.00 374, 000, 000.00 -v_ ====== gg\l/ l*d] jn lk|km/ ] G; z] o/ k|lt z] o/ ?= ====== n] – – -u_ ============== l/ l*d] jn lk|km/ ] G; z] o/ k|lt z] o/ ?= ====== n] – –

1=4 k|: tfljt af] ] g; z] o/ 142, 200, 000.00 74, 800, 000.001=5 sN; Og P*efG; – –1=6 hDdf / sd -1=3±1=4±1=5_ 851, 700, 600.00 448, 800, 000.00

22

qm=;= z] o/ wgLsf] gfd z] o/ ;+Vof z] o/ / sd k|ltzt

1 rGb|sfGt a/ fn 179800 17, 980, 000.00 2.53∞2 Zofd k|;fb a: ofn 158483 15, 848, 300.00 2.23∞3 eujtL b] jL kf&s 140250 14, 025, 000.00 1.98∞4 k|] d axfb'/ lh=;L= 112200 11, 220, 000.00 1.58∞5 kjg s'df/ k|hfklt 112200 11, 220, 000.00 1.58∞6 %lj nfn s'j+/ 112200 11, 220, 000.00 1.58∞7 ofba s'df/ >] i& 110810 11, 081, 000.00 1.56∞8 hd'gf sfkm\n] 99945 9, 994, 500.00 1.41∞9 b'uf{ axfb'/ u'?ª 96675 9, 667, 500.00 1.36∞10 / dfsfGt a/ fn 95700 9, 570, 000.00 1.35∞11 gf/ fo)fL kxf/ L 84150 8, 415, 000.00 1.19∞12 hn] Zj/ kf)*] 78540 7, 854, 000.00 1.11∞13 z] / axfb'/ a'(fyf] sL 76500 7, 650, 000.00 1.08∞14 ljgf] b s'df/ >] i& 67320 6, 732, 000.00 0.95∞15 k|] d gf/ fo)f cof{ n 61710 6, 171, 000.00 0.87∞16 s)f{ axfb'/ >] i& 61710 6, 171, 000.00 0.87∞17 xl/ s'df/ >] i& 60107 6, 010, 700.00 0.85∞18 xl/ s[ i)f >] i& 60107 6, 010, 700.00 0.85∞19 e'k] Gb| axfb'/ v*\sf 60106 6, 010, 600.00 0.85∞20 lzj k|;fb s] =l;= 60106 6, 010, 600.00 0.85∞21 lbk] Gb| >] i& 60106 6, 010, 600.00 0.85∞22 ohg nfn zfSo 60106 6, 010, 600.00 0.85∞23 / laGb| / fh hf] lz 60106 6, 010, 600.00 0.85∞24 od axfb'/ zfSo 60106 6, 010, 600.00 0.85∞25 e/ t s'df/ / fhe)*f/ L 59016 5, 901, 600.00 0.83∞26 / ] zd axfb'/ aflgof 59016 5, 901, 600.00 0.83∞27 cd[ t e§/ fO{ 56100 5, 610, 000.00 0.79∞28 efg axfb'/ ;] g 56100 5, 610, 000.00 0.79∞29 k")f{ axfb'/ yfkf 56100 5, 610, 000.00 0.79∞30 ;"o{ k|;fb rfkfufO{ 56100 5, 610, 000.00 0.79∞31 gf/ fo)f vgfn 56100 5, 610, 000.00 0.79∞32 n] vgfy e§/ fO{ 56100 5, 610, 000.00 0.79∞33 / #'klt nD;fn 55845 5, 584, 500.00 0.79∞34 lbks / fh sfkm\n] 54630 5, 463, 000.00 0.77∞35 k")f{ k|;fb clwsf/ L 52140 5, 214, 000.00 0.73∞36 vu] Gb| cof{ n 50490 5, 049, 000.00 0.71∞37 b'uf{ k|;fb pkfWofo 50490 5, 049, 000.00 0.71∞38 afn k|;fb k+u] gL 50490 5, 049, 000.00 0.71∞39 xfyj] OGe] i^d] G^ g] kfn lnld^] * 48791 4, 879, 100.00 0.69∞40 lj/ ] Gb| axfb'/ / fgf 47685 4, 768, 500.00 0.67∞41 b'uf{ k|;fb kf)*] 44880 4, 488, 000.00 0.63∞42 z'esfdgf k|wfg >] i& 43715 4, 371, 500.00 0.62∞43 a;\'Gw/ f ltd;] gf 39600 3, 960, 000.00 0.56∞44 dfwj k|;fb / ] UdL 36065 3, 606, 500.00 0.51∞

)=% k|ltzt jf ;f] eGbf a9L : jfldTj ePsf]

JolQm÷;d"x÷kmd{ ÷sDkgLsf] ljj/ 0fcg';'rL 4=1 -s_

23

hu] 8f tyf sf] ifx?@)&@ cfiff9 d;fGt

cg';'rL 4=2

C0fkq tyf j08@)&@ cfiff9 d;fGt

cg';'rL 4=3

ljj/ )f o; jif{ ?= ut jif{ ?=1 ;Fwf/ )f÷a} wflgs hu] *f sf] if 102, 684, 544.77 57, 364, 079.192 k+"hLut hu] *f sf] if 11, 767, 523.67 10, 504, 255.003 k+"hL lkmtf{ hu] *f sf] if (Capital Redemption Reserve) – –4 k+"hL ;dfof] hg sf] if – –5 cGo hu] *f tyf sf] if 5, 633, 527.17 3, 143, 118.57

5=1 e} k/ L cfpg] hu] *f – –5=2 ;+: yf ljsf; sf] if – –5=3 nfef+z ;lds/ )f sf] if – –5=4 ljz] if hu] *f sf] if – –5=5 ;DklQ k"gd'{ Nof°g sf] if – –5=6 : yug s/ hu] *f 4, 367, 218.37 3, 143, 118.575=7 cGo : jtGq sf] if – –5=7 nufgL ;dfof] hg sf] if 1, 266, 308.805=9 cGo hu] *f sf] if – –

6 ;l~rt gfkmf÷gf] S;fg 1, 852, 525.95 3, 886, 222.777 ;^xL #^a( sf] if – –8 hDdf 121, 938, 121.55 74, 897, 675.53


1 ========= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ==========?= n] ====ldlt =========== df hf/ L ePsf] / ldlt ============= df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve / sd ?= ===========================_

– –

2 ========= k|ltzt j)*÷C)fkq k|lt j)*÷C)fkq ==========?= n] ====ldlt =========== df hf/ L ePsf] / ldlt ============= df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve / sd ?= ===========================_

– –

3 ======================= – –

4 hDdf -1±2±3_ – –

gf] ^ M xfn;Dd ;'/ If)f / fvL jf g/ fvL s'g} klg k|sf/ sf] C)fkq tyf j)* hf/ L u/ LPsf] %} g .

24

ltg{ afFsL shf{ -;fk6L_@)&@ cfiff9 d;fGt

cg';'rL 4=4

lgIf] k lx;fa@)&@ cfiff9 d;fGt

cg';'rL 4=5

ljj/ )f o; jif{ ?= ut jif{ ?=s= : jb] zL

1= g] kfn ;/ sf/ – –

2= g] kfn / fi^« a} s – –

3= l/ kf] bfloTj – –

4= cGt/ a} ++s tyf ljQLo ;+: yf – –

5= cGo ;+ul&t ;+: yf – –

6= cGo – –hDdf – –

v= ljb] zL

1= a} +sx? – –

2= cGo – –hDdf – –

hDdf -s±v_ – –

ljj/ )f o; jif{ ?= ut jif{ ?=1= Aofh ltg'{ gkg] { vftfx?s= rNtL lx;fa 98, 531, 877.67 88, 638, 177.621 : jb] zL d'b|fdf 98, 531, 877.67 88, 638, 177.621=1 g] kfn ;/ sf/ – –1=2 ‘s' ju{ sf Ohfhtkqk|fKt ;+: yfx? – –1=3 cGo Ohfhtkqk|fKt ljQLo ;+: yfx? 4, 632, 478.15 18, 639, 870.551=4 cGo ;+ul&t ;+: yfx? 27, 444, 318.47 18, 561, 031.421=5 JolQmut 45, 469, 990.01 38, 563, 084.351=6 cGo 20, 985, 091.04 12, 874, 191.302 ljb] zL d'b|fdf – –2=1 g] kfn ;/ sf/ – –2=2 ‘s' ju{ sf Ohfhtkqk|fKt ;+: yfx? – –2=3 cGo Ohfhtkqk|fKt ljQLo ;+: yfx? – –2=4 cGo ;+ul&t ;+: yfx? – –2=5 JolQmut – –2=6 cGo – –v= dflh{ g 250, 000.00 –1 sd{ rf/ L hdfgt – –2 hdfgt dflh{ g 250, 000.00 –3 k|lttkq dflh{ g – –u= cGo – –1 : jb] zL d'b|fdf – –

25

lgIf] k lx;fa qmdzM@)&@ cfiff9 d;fGt

cg';'rL 4=5

1=1 ljQLo ;+: yfx? – –1=2 cGo ;+ul&t ;+: yfx? – –1=3 JolQmut – –2 ljb] zL d'b|fdf – –2=1 ljQLo ;+: yfx? – –2=2 cGo ;+u&Lt ;+: yfx? – –2=3 JolQmut – –

Aofh ltg'{ gkg] { vftfx?sf] hDdf 98, 781, 877.67 88, 638, 177.622= Aofh ltg'{ kg] { vftfx?s= art lx;fa 3, 720, 138, 637.37 2, 439, 829, 973.201 : jb] zL d'b|fdf 3, 720, 138, 637.37 2, 439, 829, 973.201=1 ;+# ;+: yfx? 29, 967, 632.70 5, 041, 555.871=2 JolQmut 3, 675, 891, 093.99 2, 418, 096, 552.061=3 cGo 14, 279, 910.68 16, 691, 865.272 ljb] zL d'b|fdf – –2=1 ;+# ;+: yfx? – –2=2 JolQmut – –2=3 cGo – –v= d"@tL lx;fa 1, 288, 609, 059.00 872, 421, 327.641 : jb] zL d'b|fdf 1, 288, 609, 059.00 872, 421, 327.641=1 ;+# ;+: yfx? 211, 886, 653.73 38, 534, 684.731=2 JolQmut 1, 064, 358, 678.27 810, 897, 651.911=3 cGo 12, 363, 727.00 22, 988, 991.002 ljb] zL d'b|fdf – –2=1 ;+# ;+: yfx? – –2=2 JolQmut – –2=3 cGo – –u= dfu] sf] jvt ltg'{ kg] { lx;fa 1, 251, 063, 483.76 614, 590, 163.201 : jb] zL d'b|fdf 1, 251, 063, 483.76 614, 590, 163.201=1 ‘s' ju{ sf Ohfhtkqk|fKt ;+: yfx? – –1=2 cGo Ohfhtkqk|fKt ljQLo ;+: yfx? 605, 537, 422.31 303, 928, 792.881=3 cGo ;+ul&t ;+: yfx? 535, 123, 592.88 164, 021, 213.721=4 JolQmut 4, 746, 336.45 4, 394, 096.281=5 cGo 105, 656, 132.12 142, 246, 060.322 ljb] zL d'b|fdf – –2=1 ‘s' ju{ sf Ohfhtkq k|fKt ;+: yfx? – –2=2 cGo Ohfhtkqk|fKt ljQLo ;+: yfx? – –2=3 cGo ;+ul&t ;+: yfx? – –2=4 JolQmut – –2=5 cGo – –#= ;l^{ lkms] ^ ckm l*kf] lh^ – –1 ;+ul&t ;+: yf – –2 JolQmut – –3 cGo – –

Aofh ltg'{ kg] { vftfx?sf] hDdf 6, 259, 811, 180.13 3, 926, 841, 464.04-1±2_ hDdf lgIf] k 6, 358, 593, 057.80 4, 015, 479, 641.66

26

e'QmfgL lbg'kg] { lanx?@)&@ cfiff9 d;fGt

cg';'rL 4=6

gub df} Hbft@)&@ cfiff9 d;fGt

cg';'rL 4=8

cGo bfloTj@)&@ cfiff9 d;fGt

cg';'rL 4=7

ljj/ )f o; jif{ ?= ut jif{ ?=1= : jb] zL d'b|f – –

2= lab] zL d'b|f – –hDdf – –

ljj/ )f o; jif{ ?= ut jif{ ?=1= k] G;g÷pkbfg sf] if 4, 957, 587.53 2, 370, 859.002= sd{ rf/ L ;~ro sf] if – –3= sd{ rf/ L sNof)f sf] if 1, 970, 311.86 224, 726.684= sd{ rf/ L af] g; Joa: yf 23, 135, 207.22 14, 659, 259.915= lgIf] kdf e'QmfgL lbg af+sL Aofh 40, 596, 415.34 28, 725, 822.336= ;fk^Ldf e'QmfgL lbg af+sL Aofh – –7= kfsL g;s] sf] l*: sfp)^ / sldzg – –8= ;)*«L qm] l*^;{ 8, 282, 352.46 1, 831, 481.469= zfvf ldnfg lx;fa 12, 000.00 –10= : yug s/ bfloTj – –11= e'QmfgL lbg af+sL nfef+z 2, 348, 095.80 975, 270.5012= cGo 37, 112, 771.06 17, 993, 861.07

n] vfkl/ If)f z"Ns 584, 765.00 183, 793.00lgIf] kdf s/ s^^L 5, 224, 437.20 3, 778, 919.54>f] tdf s/ s^^L 457, 973.07 396, 457.00

efvf gf#] sf] d"@tL lgIf] k 13, 831, 344.09 3, 057, 855.00ljbf Joa: yf 9, 697, 226.67 5, 739, 200.67n#"ljQ s] Gb| sf] if 2, 557, 482.28 1, 285, 182.89n#"ljQ pksf/ sf] if 4, 759, 542.75 3, 552, 452.97cGo – –

hDdf 118, 414, 741.28 66, 781, 280.95

ljj/ )f o; jif{ ?= ut jif{ ?=1= : jb] zL d'b|f -l;Ssf ;d] t_ 193, 152, 101.00 127, 876, 570.00

2= ljb] zL d'b|f – 7, 360.00hDdf 193, 152, 101.00 127, 883, 930.00

27

g] kfn / fi6« a} +sdf / x] sf] df} Hbft@)&@ cfiff9 d;fGt

cg';'rL 4=9

a} +s÷ljQLo ;+: yfdf / x] sf] df} Hbft@)&@ cfiff9 d;fGt

cg';'rL 4=10

dfu tyf cNk ;'rgfdf k|fKt x'g] / sd@)&@ cfiff9 d;fGt

cg';'rL 4=11

ljj/ )f : jb] zL d'b|fljb] zL d'b|f ?= df

s'n ?= ut jif{ ?=ef=?= kl/ jTo{ lj=d"= hDdf

1 g] kfn / fi^« a} +s 341, 079, 584.16 – – 341, 079, 584.16 341, 079, 584.16 219, 188, 409.67

s= rNtL vftf 341, 079, 584.16 – – 341, 079, 584.16 341, 079, 584.16 219, 188, 409.67

v= cGo vftf – – – – – –

ljj/ )f : jb] zL d'b|fljb] zL d'b|f ?= df

s'n ?= ut jif{ ?=ef=?= kl/ jTo{ lj=d"= hDdf

1 : jb] zL Ohfhtkqk|fKt ;+: yfx? 90, 223, 901.71 – – – 90, 223, 901.71 6, 559, 377.72

s= rNtL vftf 90, 223, 901.71 – – – 90, 223, 901.71 6, 559, 377.72

v= cGo vftf – – – – – –

2 ljb] zL a} +sx? – – – – – –

s= rNtL vftf – – – – – –

v= cGo vftf – – – – – –hDdf 90, 223, 901.71 – – – 90, 223, 901.71 6, 559, 377.72

gf] ^M ;DalGwt Ohfhtkqk|fKt ;+: yfx?SF] ;dy{ g kq cg';f/ s'n df} Hbft ¿= 90, 292, 524.96


1= : jb] zL d'b|fdf 1, 224, 210, 428.71 709, 359, 070.61

2= ljb] zL d'b|fdf – –

hDdf 1, 224, 210, 428.71 709, 359, 070.61

gf] ^M ;DalGwt Ohfhtkqk|fKt ;+: yfx? ;dy{ g kq cg';f/ sf] s'n df} Hbft ¿= 1206639007.26

28

nufgL@)&@ cfiff9 d;fGt

cg';'rL 4=12

ljj/ )fk|of] hg

o; jif{ ?= ut jif{ ?=Jofkfl/ s cGo

1= g] kfn ;/ sf/ sf] ^«] h/ L lan – – – –

2= g] kfn ;/ sf/ sf] artkq – – – –

3= g] kfn ;/ sf/ sf] cGo C)fkq 30, 000, 000.00 30, 000, 000.00 30, 000, 000.00

4= g] kfn / fi^« a} +s C)fkq – – – –

5= lab] zL C)fkq – – – –

6= : jb] zL Ohfhtkqk|fKt ;+: yf 495, 180.00 495, 180.00 132, 040.00

7= lab] zL a} +s – – – –

8= ;+ul&t ;+: yfx?sf] z] o/ 1, 657, 800.00 1, 657, 800.00 767, 300.00

9= ;+ul&t ;+: yfx?sf] l*j] Gr/ tyf a)* – – – –

10= cGo nufgL 7, 829, 990.00 7, 829, 990.00 –s'n nufgL – 39, 982, 970.00 39, 982, 970.00 30, 899, 340.00

Joa: yf – – – –

v'b nufgL – 39, 982, 970.00 39, 982, 970.00 30, 899, 340.00

29

z] o/ l8a] Gr/ tyf a08df nufgL@)&@ cfiff9 d;fGt

cg';'rL 4=12 -s_

ljj/ )fk/ n df] n

?=

ahf/

d"No cg';f/ ?=

Joj: yf

/ sd

?=

o; jif{

/ sd ?=

ut jif{

/ sd ?=

1 z] o/ nufgL 8, 722, 130.00 9, 982, 970.00 – 9, 982, 970.00 1, 047, 940.00

1=1 g] kfn lSnol/ ª xfp; lnld^] * * 6, 187 ;fwf/ )f z] o/ k|lt z] o/ 100 n] r'Qmf 618, 700.00 618, 700.00 – 618, 700.00 618, 700.00

1=2 ?/ n dfOs|f] kmfOgfG; ;] G^/

688 ;fwf/ )f z] o/ k|lt z] o/ 100 n] r'Qmf 123, 840.00 450, 640.00 – 450, 640.00 123, 840.00

68 af] g; z] o/ k|lt z] o/ 100 n] r'Qmf 44, 540.00 44, 540.00

1=3 ;flgdf dfO{ xfO*«f] kfj/

1, 486 ;fwf/ )f z] o/ k|lt z] o/ 100 n] r'Qmf 148, 600.00 1, 038, 100.00 – 1, 038, 100.00 8, 200.00

1=4 Pg=od=la= ;'ne Oge] : ^d] G^ km)* 1

7, 82, 999 Do'r[ on km)* k|lt Do'r[ on km)* 10 n] r'Qmf 7, 829, 990.00 7, 829, 990.00 – 7, 829, 990.00 148, 600.00

1=5 a?)f xfO*«f] kfj/ sDkgL ln=*

10 ;fwf/ )f z] o/ k|lt z] o/ 100 n] r'Qmf 1, 000.00 1, 000.00 – 1, 000.00 148, 600.00

2 l*a] Gr/ tyf a)* nufgL – – – – –

2=1 ====== sDkgL k|f= ln=÷ln=_

==== k|ltzt l*a] Gr/ ÷a)* k|lt l*a] Gr/ ÷a)*===== ?= n] =====

2=2 ==============================

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

2=3 ==============================

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

s'n nufgL 8, 722, 130.00 9, 982, 970.00 – 9, 982, 970.00 1, 047, 940.00

3 hf] lvd ;DaGwL Joj: yf

3=1 ut aif{ ;Ddsf] Joj: yf

3=2 o; aif{ sf] yk÷#^

s'n Joj: yf – – – – –

v'b nufgL 8, 722, 130.00 9, 982, 970.00 – 9, 982, 970.00 1, 047, 940.00

* ;"lrs[ t gePsf]

30

Jofkfl/ s nufgL (Held for Trading)@)&@ cfiff9 d;fGt

cg';'rL 4=12=1

e'QmfgL ldlt;Dd wf/ 0f ug] { nufgL (Held to Maturity)@)&@ cfiff9 d;fGt

cg';'rL 4=12=2

laqmLsf] nflu pknAw nufgL (Available for Sale)@)&@ cfiff9 d;fGt

cg';'rL 4=12=3

ljj/ )fk/ n

d"No

kl%Nnf] ahf/

d"No -s_

xfnsf] ahf/

d"No -v_

o; jif{ gf=÷-gf] =_

/ sd -v–s_

ut jif{ gf=÷-gf] =_

/ sds} lkmot

1 g] kfn ;/ sf/ sf] ^] h/ L lan2 g] kfn ;/ sf/ sf] artkq3 g] kfn ;/ sf/ sf] cGo C)fkq4 g] =/ f= a} s C)fkq5 ljb] zL C)fkq6 : jb] zL Ohfhtkqk|fKt ;+: yfsf] z] o/ – – –7 : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8 : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)* –9 ljb] zL a} s nufgL -Placement_10 Interbank Lending

11 cGo nufgLs'n nufgL – – – – –

ljj/ )f k/ n d"No -s_xfn;Ddsf] Iflt

/ sd -v_

o;jif{ sf] Iflt

/ sd -u_

o; jif{ gf=÷-gf] =_

/ sd s–v–u_

ut jif{

gf=÷-gf] =_ / sds} lkmot

1 g] kfn ;/ sf/ sf] ^] h/ L lan2 g] kfn ;/ sf/ sf] artkq3 g] kfn ;/ sf/ sf] cGo C)fkq 30, 000, 000.00 – – – –4 g] =/ f= a} s C)fkq5 ljb] zL C)fkq6 : jb] zL Ohfhtkqk|fKt ;+: yfsf] z] o/

7 : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)*8 : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)*9 ljb] zL a} s nufgL -Placement_10 Interbank Lending

11 cGo nufgL 7, 829, 990.00s'n nufgL 37, 829, 990.00 – – – – –

ljj/ )f k/ n d"Nokl%Nnf] ahf/

d"No -s_

xfnsf] ahf/

d"No -v_

o; jif{ sf] if

;dfof] hg / sd -v–s_

ut jif{ g÷

-gf] _ / sds} lkmot

1 g] kfn ;/ sf/ sf] ^] h/ L lan2 g] kfn ;/ sf/ sf] artkq3 g] kfn ;/ sf/ sf] cGo C)fkq4 g] =/ f= a} s C)fkq5 ljb] zL C)fkq6 : jb] zL Ohfhtkqk|fKt ;+: yfsf] z] o/

7 : jb] zL Ohfhtkqk|fKt ;+: yfsf] l*j] Gr/ tyf a)* 123, 840.00 123, 840.00 495, 180.00 371, 340.008 : jb] zL ;+ul&t ;+: yfsf] z] o/ , l*j] Gr/ tyf a)* 768, 300.00 768, 300.00 1, 657, 800.00 889, 500.00 –9 ljb] zL a} s nufgL -Placement_10 Interbank Lending

11 cGo nufgLs'n nufgL 892, 140.00 892, 140.00 2, 152, 980.00 1, 260, 840.00 – –

31

shf{ ;fk6

tyf lan v

l/ b

juL{ s

/ 0f /

;f] s

f] nflu

Joj

: yf

@)&@

cfiff9 d

;fGt

cg';

'rL 4=13

ljj/

)f

shf

{ vl/

b ty

f l*

isfp

)^

ul/ P

sf lan

o; j

if{ ?=

ut j

if{ ?=

: jb] z

Lljb] z

LhD

dfljb] z

LhD

dfljkGg

ju{

cGo

ljld

tcljld

t1

;lqmo

shf

{ ;fk^

(Per

form

ing)

–21

5, 29

9, 37

2.04

5, 27

2, 29

5, 76

9.14

–5,

487,

595,

141.1

8–

––

, 487

, 595

, 141

.183,

492,

350,

966.40

1=1

c;n

shf

{ –

209,

931, 7

31.17

5, 16

4, 46

2, 08

2.93

–5,

374,

393, 8

14.10

––

–5,

374,

393, 8

14.10

3, 492

, 350,

966.4

01=2

;'Id

lgu/

fgL

5, 36

7, 64

0.87

107,

833, 6

86.21

113, 2

01, 32

7.08

113, 2

01, 32

7.08

2lgl:

qmo

shf

{ ;fk^

(Non

Per

form

ing)

–6,

004,

714.

099,

831,

861.5

2–

15, 8

36, 575

.61

––

–15

, 836

, 575

.61

4, 05

2, 82

7.07

2=1t

k"g/

;+/ rg

f÷k"g

tf{ ln

sLs

/ )f

––

––

––

––

––

2=2

sd;

n –

876,

325.83

2, 59

2, 55

3.37

–3, 4

68, 8

79.20

––

–3, 4

68, 8

79.20

609,

632.97

2=3

z+sf: k

b–

3, 278

, 888

.26

3, 832

, 074

.99

–7,

110,

963.2

5–

––

7, 11

0, 96

3.25

394,

539.26

2=4

v/ fa

–1, 8

49, 500

.00

3, 407

, 233

.16–

5, 25

6, 73

3.16

––

–5,

256,

733.1

63, 0

48, 654

.84

-s_

s'n

shf

{ –

221,

304,

086.13

5, 28

2, 12

7, 63

0.66

–5,

503,

431,

716.79

––

–5,

503,

431,

716.79

3, 49

6, 40

3, 79

3.47

3shf

{ gf] S;f

gL Aoa

: yf

3=1

c;n

–2,

099,

317.31

51, 644

, 620

.83

–53

, 743

, 938

.14–

–53

, 743

, 938

.1434

, 952

, 467

.93

3=2

;'Id

lgu/

fgL

107,

352.82

2, 15

6, 67

3.72

2, 26

4, 02

6.54

2, 26

4, 02

6.54

3=3

k"g/ ;

+/ rgf÷k

"gtf{ ln

sLs

/ )f

––

––

––

––

––

3=4

sd;

n –

219,

081.4

664

8, 13

8.34

–86

7, 21

9.80

––

867,

219.80

152,

409.00

3=5

z+sf: k

b–

1, 639

, 444

.131, 9

16, 0

37.50

–3, 5

55, 4

81.63

––

3, 555

, 481

.6319

7, 27

1.00

3=6

v/ fa

–1, 8

49, 500

.00

3, 407

, 233

.16–

5, 25

6, 73

3.16

––

5, 25

6, 73

3.16

3, 048

, 655

.02

-v_

s'n

Joa:

yf–

5, 91

4, 69

5.72

59, 7

72, 7

03.55

–65

, 687

, 399

.27

––

–65

, 687

, 399

.27

38, 350

, 802

.95

4ut

jif{

;Dds

f] Jo

a: yf

4=1

c;n

/ z"id

lgu/

flg–

2, 11

6, 83

6.32

40, 0

35, 701

.95

–42

, 152,

538.

26–

––

42, 15

2, 53

8.26

25, 696

, 211

.374=

2 ;'I

d lgu/

fgL

74, 8

36.30

368,

541.5

244

3, 377

.82

443, 3

77.8

24=

3 k"g

/ ;+/ r

gf÷k

"gtf{ ln

sLs

/ )f

––

––

––

––

––

4=4

sd;

n –

227,

602.50

276,

519.36

–50

4, 12

1.86

––

–50

4, 12

1.86

–4=

5 z+sf: k

b–

115,

500.00

300,

704.

89–

416,

204.

89–

––

416,

204.

89–

4=6

v/ fa

–62

9, 96

1.00

3, 150

, 886

.35–

3, 780

, 847

.35–

––

3, 780

, 847

.3539

4, 05

9.01

-u_

ut j

if{ ;Dd

sf] s'n

Joa:

yf–

3, 16

4, 73

6.12

44, 132

, 354

.07

–47

, 297

, 090

.19–

––

47, 297

, 090

.1926

, 090

, 270

.38

-#_

ut a

if{ sf] Ao

j: yf

af^

lkmtf{

––

––

––

–39

4, 05

9.01

-ª_

o; j

if{ sf] yk

Aoj

: yf

–2,

749,

959.60

15, 640

, 349

.48

–18

, 390

, 309

.08

––

–18

, 390

, 309

.08

12, 654

, 591

.58

o; j

if{ sf] v'b

yk#^

–2,

749,

959.60

15, 640

, 349

.48

–18

, 390

, 309

.08

––

–18

, 390

, 309

.08

12, 260

, 532

.57

v'b

shf

{ -s–v

_–

215,

389,

390.41

5, 22

2, 35

4, 92

7.11

–5,

437,

744,

317.52

––

–5,

437,

744,

317.52

3, 45

8, 05

2, 99

0.52

32

ljj/ )f o; jif{ ?= ut jif{ ?=-s_ ;'/ lIft 5, 503, 431, 716.79 3, 496, 403, 793.47

1= rn÷crn ;DklQsf] ;'/ If)fdf 5, 286, 075, 119.75 3, 278, 153, 737.712= : jb] zL Ohfhtkqk|fKt ;+: yfsf] hdfgtdf 10, 000, 000.00 10, 000, 000.003= ;/ sf/ L hdfgtdf 33, 798.00 –4= cGt/ f{ li^«o >] )fLs[ t a} ssf] hdfgtdf – –5= lgof{ t sfuhft (Export Document) sf] ;'/ If)fdf – –6= d'@tL / ;Lbsf] ] ;'/ If)fdf 34, 368, 500.00 33, 342, 238.32

-s_ ;+: yfsf] cfkm\g} d"@tL / l;bsf] ;'/ If)f 34, 368, 500.00 33, 342, 238.32 -v_ cGo Ohfhtkqk|fKt ;+: yfsf] d'@tL / l;bsf] ;'/ If)f – –7= ;/ sf/ L C)fkqsf] ;'/ If)fdf – –8= sfp)^/ hdfgtdf – –9= JolQmut hdfgtdf – –10= cGo ;'/ If)fdf 172, 954, 299.04 174, 907, 817.44

;fd'lxs hdfgtdf 172, 954, 299.04 174, 907, 817.44-v_ c;'/ lIft – –

hDdf 5, 503, 431, 716.79 3, 496, 403, 793.47

shf{ , ;fk6 / lan; vl/ bsf] ;'/ If0f@)&@ cfiff9 d;fGt

cg';'rL 4=13=-s_

33

: yL/

;Dk

lQ@)

&@ c

fiff9 d

;fGt

cg';

'rL 4=14

ljj/

)f

;Dk

lQ

o; j

if{ ?=

ut

jif{ ?=

ejg

k

l/ jx

g ;fw

g d

] lzg/

L s

fof{ n

o ;fd

fg

cGo

1k/

n d

f] n

-s_ ut

jif{ s

f] df

} Hbft

– 10

, 020

, 033

.63

13, 395

, 735

.34

28, 4

38, 343.76

65, 250

.00

51, 919

, 362

.73

44, 907

, 935

.59

-s=1_ lgnlu/ L las

fz a

} s a

f^ ;

l/ c

fPsf]

508, 8

00.00

276,

000.00

6, 834

, 996

.88

14, 0

00.00

7, 63

3, 79

6.88

-v_ o;

jif{

yk–

3, 68

5, 31

8.00

3, 446,

114.78

8, 4

51, 920

.29

26, 317

.09

15, 609

, 670

.15

10, 4

07, 340.52

-u_ o;

jif{

k'gd{ “N

ofªs

g÷k"g

n] { vg

– –

––

––

–

-#_ o;

jif{ s

f] laqmL

– 2,

020,

802

.39

––

–2,

020,

802

.39

3, 39

5, 91

1.00

-ª_ o;

jif{ s

f] ck

n] vg

– –

––

––

–

s'n -s±v

±u±#

±ª_ k/

ndf

] n–

12, 193

, 349.24

17, 117

, 850

.12

43,

725,

260.93

105,

567.09

73, 142,

027.37

51, 919

, 365

.11

2x|f; s

§L

-s_ ut

jif{

;Dds

f] –

4, 0

39, 311

.50

5, 30

8, 734

.93

14, 8

39, 279

.29

3, 26

2.48

24, 190

, 588.20

19, 351

, 290

.05

-s=1_ ut

jif{

;Dds

f] M lgnlu/ L las

fz a

} +s12

7, 99

0.36

139,

277.73

4, 673

, 678

.76

2, 50

0.00

4, 943,

446.84

-v_ o;

jif{ s

f] –

1, 68

8, 0

76.15

1, 60

1, 98

1.58

5, 16

2, 59

6.09

12, 926

.80

8, 4

65, 580.62

7, 12

6, 90

6.29

-u_ x|f;s

§L k

'gd"{ No

fª\sg÷

k"gn] { vg

– –

––

––

–

-#_ x|f;s

§L /

sd

;dfof] h

g÷lkmtf{

– 1,

543,

398.52

––

–1,

543,

398.52

2, 28

7, 60

8.14

s'n x

|f;s§L

– 4, 311, 979

.49

7, 04

9, 99

4.24

24, 675

, 554

.14

18, 689

.28

36, 056

, 217

.14

24, 190

, 588

.20

3a"s

Eofn" (

WD

V*) -1–2

_–

7, 88

1, 36

9.75

10, 067

, 855

.88

19, 049,

706.79

86, 8

77.81

37, 085

, 810

.23

27, 7

28, 7

76.91

4hUu

f–

––

––

––

5k+"h

Lut

lgdf

{ )f -k+"h

Ls/ )

f ul

/ g' k

g{ ] _–

––

––

––

6nLh

xf] N*

;Dk

lQ–

––

––

28, 034

, 715

.83

20, 232

, 604

.66

hDd

f -3±4

±5±6

_–

7, 88

1, 36

9.75

10, 067

, 855

.88

19, 049,

706.79

86, 8

77.81

65, 120

, 526

.06

47,

961,

381.57

34

u} / a+} lsª ;DklQ@)&@ cfiff9 d;fGt

cg';'rL 4=15

cGo ;DklQ@)&@ cfiff9 d;fGt

cg';'rL 4=16

C)fL jf kf^L{ sf]

gfd &] ufgf

u} / a} lsª ;DklQ

;sf/ u/ ] sf] ldlt

s'n u} / a} lsª

;DklQ / sd ?=

gf] S;fgL Aoa: yf v'b u} /

a} lsª ;DklQ ?=

ut aif{

?=k|ltzt / sd ?=

– – – – –

– – – – –

– – – – –

– – – – –

– – – – –

– – – – –

– – – – –

– – – – –

s'n hDdf – – – – –

ljj/ )f o; jif{ ?= ut jif{ ?= 1= d;nGb df} Hbft 1, 419, 635.09 1, 505, 043.97

2= nufgLdf c;'n ug{ af+sL cfDbfgL 63, 231.70 63, 000.00

3= shf{ df c;'n ug{ af+sL Aofh 16, 226, 152.97 8, 816, 473.28

Go"g: Aofh d"NtjL / sd -16, 226, 152.97_ – -8, 816, 473.28_

4= c;'n ug{ af+sL sldzg – 399, 471.24

5= ;)*«|L *] ^;{ 4, 587, 386.27 978, 308.34

6= sd{ rf/ L ;fk^L / k] ZsL 43, 574, 765.28 –

7= clu|d e'QmfgL 3, 818, 836.67 4, 363, 297.25

8= dfu{ : y gub – –

9= dfu{ : y cGo -r] s ;d] t_ – –

10= lagf ;"rgf *|fkm\^sf] e'QmfgL – –

11= ckn] vg x'g af+sL vr{ – –

12= zfvf ldnfg lx;fa – –

13= : yug s/ ;DklQ 4, 367, 217.87 3, 143, 118.5714= cGo 3, 017, 634.99 2, 036, 372.00

w/ f} ^L 84, 491.00 68, 000.00

af+sL ;km\^j] o/ 2, 933, 143.99 1, 968, 372.00hDdf 60, 848, 707.87 12, 488, 611.37

35

cGo ;DklQ -yk ljj/ 0f_@)&@ cfiff9 d;fGt

cg';'rL 4=16 -s_

;Defljt bfloTjx?@)&@ cfiff9 d;fGt

cg';'rL 4=17

ljj/ )f

o; jif{ ?=

hDdf ut jif{ ?=1 jif{ ;Dd

1 jif{ b] lv dfly

3 jif{ ;Dd

3 jif{

eGbf dfly

1= shf{ df c;'n ug{ af+sL Aofh 14, 280, 541.83 1, 945, 611.14 – 16, 226, 152.97 8, 816, 473.28

2= lagf ;"rgf *|fkm\^sf] e'QmfgL – – – – –

3= zfvf ldnfg lx;fa – – – – –

4 : jb] ] zL tyf ljb] zL Ph] G;L lx;fj – – – – –

ljj/ )f o; jif{ ?= ut jif{ ?=1= ;+: yf pk/ bfjL k/ ] sf] t/ ;+: yfn] bfloTj : jLsf/ gu/ ] sf] – –2= k|lttkqx? -dflh{ g g#^fO{ k"/ f / sd_ – –

s= 6 dlxgf eGbf sd cjlwsf] – –

v= 6 dlxgf eGbf a(L cjlwsf] – –

3= k'gM l*: sfp)^ ul/ Psf lanx? – –4= Dofb gfl# g;s] sf] Uof/ ] G^L÷a)* 26, 200, 000.00 12, 750, 000.00

s= la* a)* 400, 000.00 650, 000.00

v= k/ km/ d] G; a)* 25, 800, 000.00 12, 100, 000.00

u= cGo Uof/ ] )^L ÷a)* – –

5= r'Qmf jf e"Qmfg x'g af“sL z] o/ nufgL – –

6= km/ jf*{ PS: r] ~h sG^«fS^sf] af“sL bfloTjx? – –

7= sn] S;gdf / x] sf lanx? – –

8= d~h"/ L tyf ;dy{ g (Acceptance & Endorsement) – –

9= k|Tofe"lt k|lta$tf (Underwriting Commitment) – –

10= ckl/ jTo{ shf{ k|lta$tf (Irrevocable Loan Commitment) 296, 750, 339.72 190, 723, 000.00

11= cGt/ fli^«o >] )fLs[ t a} +ssf] sfp)^/ Uof/ ] )^Ldf lbPsf] Uof/ ] )^L – –

12= clu|d e'QmfgL Uof/ ] )^L (Advance Payment Guarantee) – –

13= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) – –

14= cfos/ afkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) – –

15= ====================================== – –hDdf 322, 950, 339.72 203, 473, 000.00

36

Aofh cfDbfgLldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=18


s= shf{ ;fk^ / clwljsif{ df 547, 884, 598.02 433, 039, 162.04

1= shf{ ;fk^ 392, 814, 421.92 296, 102, 065.63

2= clwljsif{ 155, 070, 176.10 136, 937, 096.41

v= nufgLdf 1, 047, 000.00 523, 500.00

1= g] kfn ;/ sf/ sf] C)fkq – –

s_ ^] «h/ L lan; – –

v_ ljsf; C)fkq – –

u_ / fli^«o artkq – –

2= ljb] zL C)fkq – –

s_ ======= – –

v_ ======= – –

3= g] kfn / fi^« a} +ssf] C)fkq 1, 047, 000.00 523, 500.00

4= l*j] Gr/ tyf a)* – –

s_ a} +s÷ljQLo ;+: yfx? – –

v_ cGo ;+: yfx? – –

5= cGt/ a} +s nufgLdf Aofh – –

s_ a} +s÷ljQLo ;+: yfx? – –

v_ cGo ;+: yfx? – –

u= Ph] G;L df} Hbftdf – –

1= : jb] zL a} +s÷ljQLo ;+: yfx? – –

2= ljb] zL a} +sx? – –

#= dfu tyf cNk;'rgfdf k|fKt x'g] df} Hbftdf 27, 019, 057.47 31, 460, 367.19

1_ : jb] zL a} +s÷ljQLo ;+: yfx? 27, 019, 057.47 31, 460, 367.19

2_ ljb] zL a} +sx? – –

ª= cGodf 93, 387.66 75, 591.14

1= ;l^{ lkms] ^ ckm l*kf] lh^ – –

2= cGt/ a} +s÷ljQLo ;+: yf shf{ – –

3= cGo 93, 387.66 75, 591.14

hDdf 576, 044, 043.15 465, 098, 620.37

37

Aofh vr{ ldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=19

sldzg tyf l8: sfp06ldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=20

ljj/ )f o; jif{ ?= ut jif{ ?=s= lgIf] k bfloTjdf 269, 328, 134.69 244, 016, 998.65

1= d"@tL lgIf] k 76, 730, 143.57 90, 963, 292.04 1=1 : jb] zL d'b|f 76, 730, 143.57 90, 963, 292.04 1=2 ljb] zL d'b|f – –2= art lgIf] k 152, 400, 601.95 128, 565, 572.27 2=1 : jb] zL d'b|f 152, 400, 601.95 128, 565, 572.27 2=2 ljb] zL d'b|f – –3= dfu] sf] avt ltg'{ kg] { lgIf] k 40, 197, 389.17 24, 488, 134.34 3=1 : jb] zL d'b|f 40, 197, 389.17 24, 488, 134.34 3=2 ljb] zL d'b|f4= ;l^{ lkms] ^ ckm l*kf] lh^;\ – –

v= shf{ ;fk^df – 650, 958.531= C)fkq tyf a)* – –2= g] kfn / fi^« a} +saf^ k|fKt shf{ – –3= cGt/ a} +s÷ljQLo ;+: yf shf{ – –4= cGo ;+u&Lt ;+: yf – 650, 958.535= cGo shf{ – –

u= cGodf – –1= : jb] zL d'b|f – –2= ljb] zL d'b|f – –

hDdf 269, 328, 134.69 244, 667, 957.18


s= laN; vl/ b tyf l*: sfpG^ – –1= : jb] zL – –2= ljb] zL – –

v= sldzg 7, 087, 711.67 6, 145, 800.111= k|lttkq – –2= hdfgtkq 336, 000.00 225, 037.503= sn] S;g kmL – –4= / ] ld^] G; kmL 6, 751, 711.67 5, 879, 670.515= qm] l*^ sf*{ – –6= z] o/ k|Tofe"lt÷lgisfzg – 41, 092.107= ;/ sf/ L sf/ f] af/ jfkt – –8= O=k|f= sldzg jfkt – –9= a§f cfDbfgL – –

u= cGo – –hDdf 7, 087, 711.67 6, 145, 800.11

38

cGo ;~rfng cfDbfgLldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=21

;6xL 36a9L cfDbfgL÷gf] S;fgldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=22

sd{ rf/ L vr{ ldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=23


1= tna 35, 507, 898.55 29, 212, 165.00

2= eQf 9, 115, 804.53 8, 937, 615.35

3= ;+rosf] ifdf yk 2, 578, 784.23 2, 068, 271.10

4= tflnd vr{ 1, 186, 464.50 1, 089, 686.45

5= kf] zfs 1, 026, 000.00 736, 000.00

6= cf} ifwf] krf/ – –

7= aLdf 311, 377.15 357, 034.99

8= k] G;g tyf pkbfg Joa: yf 2, 486, 662.00 1, 968, 384.00

9 cGo 5, 048, 435.80 2, 148, 333.24

s= ljbf Joa: yf 4, 676, 691.80 1, 639, 431.77

v= cGo vr{ 371, 744.00 508, 901.47

hDdf 57, 261, 426.76 46, 517, 490.13


1= ;] km l*kf] lh^ eN^sf] ef*f – –

2= qm] l*^ sf*{ lgisfzg tyf gljs/ )f – –

3= ATM sf*{ lgisfzg tyf gljs/ )f 481, 994.00 257, 850.00

4= ^] n] S;÷^L^L – –

5= ;] jf z"Ns 36, 891, 499.12 29, 041, 714.90

6= gljs/ )f z"Ns 4, 537, 108.43 5, 041, 262.50

7= cGo 13, 197, 633.62 9, 077, 038.58

hDdf 55, 108, 235.17 43, 417, 865.98


-s_ lalgdo b/ df ePsf] km/ saf^ – –

-v_ lab] zL d'b|f sf/ f] af/ af^ -a§f afx] s_ 15.00 79.20

hDdf cfDbfgL÷-gf] S;fg_ 15.00 79.20

39

cGo ;~rfng cfDbfgLldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=24

ljj/ )f o; jif{ ?= ut jif{ ?=1= #/ ef*f 11, 031, 829.39 8, 102, 941.002= aQL lah"nL / kfgL 1, 887, 647.29 1, 467, 028.323= dd{ t tyf ;Def/ 1, 521, 956.54 1, 321, 048.10

s= ejg – – v= ;jf/ L ;fwg 484, 571.60 461, 334.50 u= cGo 1, 037, 384.94 859, 713.60

4= aLdf 2, 093, 262.60 1, 627, 761.035= kf] i^] h, ^] n] S;, ^] lnkm] fg, km\ofS; 3, 422, 616.04 2, 874, 781.816= sfof{ no pks/ )f kmlg{ r/ / ;Def/ 569, 167.60 288, 499.207= e|d)f eQf / vr{ 1, 390, 715.00 1, 203, 442.008= d;nGb / %kfO{ 2, 999, 591.60 2, 198, 891.709= kqklqsf tyf k": ts 114, 951.88 80, 422.0010= la!fkg 1, 651, 078.60 1, 310, 264.5011= sfg"gL vr{ 52, 220.00 34, 000.0012= rGbf 319, 498.00 206, 766.0013= ;~rfns ;ldlt ;DaGwL vr{ 1, 168, 573.00 971, 988.00

s= a} &s eQf 676, 000.00 696, 000.00v= cGo vr{ 492, 573.00 275, 988.00

14= ;fwf/ )f ;ef ;DaGwL vr{ 714, 650.00 279, 098.0015= n] vfk/ LIf)f ;DaGwL vr{ 888, 300.00 603, 950.00

s= n] vfk/ LIf)f z"Ns 463, 300.00 350, 300.00v= cGo vr{ 425, 000.00 253, 650.00

16= / sd : yfgfGt/ )f sldzg – –17= : yL/ ;DklQdf xf; s§L 8, 465, 580.62 7, 126, 906.2918= k'j{ ;+rfng vr{ ckn] vg – –19= z] o/ lgisfzg vr{ 1, 542, 321.65 1, 052, 067.1020= k|fljlws ;] jf ;f] wegf{ 903, 664.03 1, 026, 949.9721= dgf] / ~hg vr{ 619, 843.00 579, 213.6022= ckn] vg vr{ 6, 616, 447.89 5, 169, 195.2523= ;'/ Iff vr{ 6, 934, 399.00 5, 813, 899.0024= shf{ ;'/ If)f lk|ldod – –25= sldzg / l*: sfp)^ – –26= cGo 10, 759, 758.10 6, 867, 415.51

s= clkm; vr{ 740, 278.72 544, 510.00v= jflif{ s z'Ns 886, 497.50 1, 487, 724.50u= lgIf] k ;'/ If)f lk|ldod 2, 748, 483.13 2, 237, 402.00#= OGwg vr{ 2, 497, 662.75 2, 136, 996.54 ª= ljljw vr{ 376, 955.50 460, 782.47r= dh{ vr{ 1, 145, 432.00%= cGo vr{ 2, 364, 448.50

hDdf 65, 668, 071.83 50, 206, 528.38

40

;Defljt gf] S;fgL Joa: yfldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=25

u} / ;+rfng cfDbfgL÷gf] S;fgldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=26

;Defljt gf] S;fgL Joj: yfaf6 lkmtf{ ldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=27


1 shf{ gf] S;fgL Joa: yfdf ePsf] a[ l$ 18, 390, 309.08 12, 654, 591.58

2 nufgL gf] S;fgL Joa: yfdf ePsf] a[ l$ – –

3 u} / a+} lsª ;DklQ gf] S;fgL Joa: yf – –

4 cGo ;DklQdf ul/ Psf] Joa: yf – –

hDdf 18, 390, 309.08 12, 654, 591.58


1= nufgL laqmLaf^ cfDbfgL÷-gf] S;fg_ – –

2= ;DklQ laqmLaf^ cfDbfgL÷-gf] S;fg_ 691, 044.75 232, 197.65

3= nfef+z 13, 760.00 9, 804.00

4= g] kfn / fi^« a} +saf^ k|fKt ;x"lnot – –

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

v= Jofh Ifltk'lt{ – –

u= ;^xL sfp)^/ – –

5 cGo – –

v'b u} / ;+rfng cfDbfgL÷-gf] S;fg_ 704, 804.75 242, 001.65


1= shf{ gf] S;fgL Joa: yfaf^ lkmtf{ – 394, 059.01

2= u} / a} lsª ;DklQ gf] S;fgL Joa: yfaf^ lkmtf{ – –

3= nufgL Joa: yfaf^ lkmtf{ – –

4= cGo ;DklQsf] Joa: yfaf^ lkmtf{ – –

hDdf – 394, 059.01

41

c;fdfGo sf/ f] jf/ x?af6 ePsf] cfDbfgL÷vr{ ldlt @)&! >fj0f ! b] lv @)&@ cfiff9 #! ;Dd

cg';'rL 4=28

ckn] lvt shf{ sf] ljj/ 0fcfly{ s jif{ @)&!÷)&@

cg';'rL 4=28 -s_


1= ckn] vg ePsf] shf{ sf] c;'nL – –

2= : j] lR%s cjsfz vr{ – –

3= c;"ln x'g g;Sg] shf{ sf] ] ckn] vg -4=28 s_ – –

4= cGo vr{ ÷cfDbfgL – –

5= = = = = = = = = = = = – –

hDdf – –

qm=;+= shf{ k|sf/

ckn] vg

ul/ Psf]

/ sd

lwtf] sf]

k|sf/ tyf

/ sd

lwtf]

d'Nof+sgsf]

cfwf/

shf{ : jLs[ t

ug] {

clwsf/ L÷tx

shf{

c;'nLsfnflu

eP u/ ] sf k|of;

s} lkmot

1= rfn' k+"hL shf{ – –

2= kl/ of] hgf shf{ – –

3= l: y/ k+"hL shf{ – –

4= JolQmut shf{ – –

5= cGo shf{ – –

s'n shf{ – –

gf] ^ M o; cfly{ s jif{ el/ df s'g} klg shf{ ckn] vg ul/ Psf] %} g .

42

;+: yfks÷;+rfns÷sfo{ sf/ L

k|d'vsf] gfd

ut jif{ ;Ddsf] af“sL o; jif{ c;'nL o; jif{ cfiff( d;fGt;Dd af“sL

;f+jf Jofh ;f+jf Jofh yk shf{ ;f+jf Jofh

-s_ ;~rfns

1=

2=

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

1=

2=

-u_ ;+: yfks

1=

2=

-#_ sd{ rf/ L

1=

2=

-ª_ z] o/ wgLx?

1=

2=

hDdf

gf] ^ M o; cfly{ s jif{ sf] cGTo ;Dd pk/ f] Qm cg';f/ sf] s'g} klg zLif{ sdf shf{ nufgL ul/ Psf] %} g .

;+rfns, sfo{ sf/ L k|d'v, ;+: yfks, sd{ rf/ L, z] o/ xf] N8/ x?nfO{ uPsf] shf{ ;fk6 ljj/ 0f@)&@ cfiff9 d;fGt

cg';'rL 4=29

vl/ b tyf l*: sfp)^ ul/ Psf lanx? / shf{ ;fk^ tyf clwljsif{ df k|jflxt s'n / sddWo] ;~rfns, sfo{ sf/ L k|d'v, ;+: yfks, sd{ rf/ L, z] o/ xf] N*/ x? / lghx?sf] kl/ jf/ sf ;b: o jf To: tf JolQm hdfgL a;] sf] jf d] g] lhª Ph] )^ ePsf] s'g} ;+: yf jf sDkgLnfO{ uPsf] / sdsf] ljj/ )f b] xfo adf] lhd % .

43

kF"hLsf] if tflnsf@)&@ cfiff9 d;fGt

cg';'rL 4=30

? xhf/ df

ljj/ )f o; jif{ ?= ut jif{ ?=-s_ k|fylds k“"hL 968, 005.19 523, 697.68

1= r'Qmf k"“hL 709, 500.60 374, 000.002= k|: tfljt jf] g; z] o/ 142, 200.00 74, 800.003= z] o/ lk|ldod 11, 767.52 10, 504.264= lkmtf{ gx'g] cu|flwsf/ z] o/ – –5= ;fwf/ )f hu] *f sf] if 102, 684.54 57, 364.086= ;l~rt gfkmf÷-gf] S;fg_ 1, 852.53 3, 886.227= jf;nftdf b] vfOPsf] rfn" cf= j= sf] gfkmf÷gf] S;fg lx;fjsf] / sd – –8= k+"hL lkmtf{ hu] *f sf] if – –9= k+"hL ;dfof] hg sf] if – –10=sN; Og P*efG; – –11=cGo : jtGq sf] ifx? 4, 367.22 3, 143.12#^fpg] MVoflt (Goodwill) jfktsf] / sd – –;LdfeGbf a(L z] o/ , ;'/ If)fkqdf nufgL ul/ Psf] / sd – –ljQLo : jfy{ / x] sf] sDkgLsf] lwtf] kqdf nufgL u/ ] sf] / sd – –cjf: tljs ;DkQL (Fictitious Assets) 4, 367.22 –o; a} +ssf] lgb] { zg kfngf gu/ L : jk|of] hgsf nflu #/ hUuf vl/ b u/ ] sf] / sd – –;LdfeGbf a(L cfjf; ejg lgdf{ )f tyf hUuf ljsf;df nufgL u/ ] sf] / sd – –tf] lsPsf] ;doleq ljqmL ljt/ )f ug{ g;s] sf] z] o/ k|Tofe"lt – –k|rlnt P] g tyf sfg"gn] k|ltaGw u/ ] sf JolQm tyf ;d"xx?nfO{ k|bfg u/ ] sf] shf{ tyf ;'ljwfx?

– –

-v_ k'/ s k+"hL 56, 013.43 34, 952.47

1= c;n shf{ sf] nflu ul/ Psf] shf{ gf] S;fgL Aoa: yf 56, 007.96 34, 952.472= cltl/ Qm shf{ gf] S;fgL Joj: yf – –3= xfO{ la|* k“"hL pks/ )fx? – –4= ;'/ If)f g/ flvPsf] ;xfos cfjlws C)f – –5= ;^xL ;lds/ )f sf] if – –6= ;DklQ k"gd'' Nof+sg sf] if – –7= nufgL ;dfof] hg sf] if 5.47 –

-u_ hDdf k+"hLsf] if -s+v_ 1, 024, 018.63 558, 650.14-#_ hf] lvd efl/ t ;DklQsf] cfwf/ df sfod ug'{ kg] { Go'gtd k+"hLsf] if

k+"hLsf] if -11=00 k|ltzt_ 720, 898.35 445, 575.74k|fylds k+"hL -5=50 k|ltzt_ 360, 449.17 222, 787.87k+"hLsf] if -clws÷Go'g_ -4=63 k|ltztn] clws_ 303, 120.28 113, 074.40k|fylds k+"hL -clws÷Go'g_ -9=27 k|ltztn] clws_ 607, 556.02 300, 909.81

44

ljj/ )f ef/

o; jif{ ut jif{

/ sdhf] lvd efl/ t

;DklQ/ sd

hf] lvd efl/ t

;DklQ-s_ jf;nft adf] lhdsf] ;DklQ (On-Balance-sheet Assets)gub df} Hbft 0∞ 193, 152, 101.00 – 127, 883, 930.00 –;"g -ljlgdo of] Uo_ 0∞ – – – –g] kfn / fi^« a} +sdf / x] sf] df} Hbft 0∞ 341, 079, 584.16 – 219, 188, 409.67 –g] kfn ;/ sf/ sf] C)fkqdf u/ ] sf] nufgL 0∞ 30, 000, 000.00 – 30, 000, 000.00 –g] kfn / fi^« a} +s C)fkqdf u/ ] sf] nufgL 0∞ – – – –cfkm\g} d"@tL / l;bsf] lwtf] df k")f{ ;'/ lIft x'g] u/ L k|bfg u/ ] sf] d'@tL / l;b lwtf] shf{ 0∞ 34, 368, 500.00 – 33, 342, 238.32 –;/ sf/ L C)fkqsf] lwtf] df k')f{ ;"/ lIft x'g] u/ L k|bfg u/ ] sf] shf{ 0∞ – – – –art kqsf] kfpg" kg] { Aofh / sd (Accrued Interest) 0∞ – – – –ljkGg ju{ shf{ cGtu{ t u)fgf x'g] o'jf tyf ;fgf Joj;foL : j/ f] huf/ sf] ifdf ævÆ / æuÆ ju{ sf Ohfhtkqk|fKt ;+: yfn] hDdf u/ ] sf] / sd

0∞ 33, 798.00 – 33, 798.00 –

: jb] zL a} +s tyf ljQLo ;+: yfx?df / x] sf] df} Hbft/ d"@tL / l;bsf] bfjL (Claims) 20∞ 90, 223, 901.71 18, 044, 780.34 6, 559, 377.72 1, 311, 875.54cGo a} +s tyf ljQLo ;+: yfx?sf] d"@tL / l;bsf] lwtf] df k')f{ ;"/ lIft x'g] u/ L k|bfg ul/ Psf] d"@tL / l;b lwtf] shf{

20∞ – – – –

ljb] zL a} +sx?df / x] sf] df} Hbft 20∞ – – – –dfu] sf] avt k|fKt x'g] / sd -Money at Call) 20∞ 1, 224, 210, 428.71 244, 842, 085.74 709, 359, 070.61 141, 871, 814.12cGt/ fli^«o >] )fLs[ t (Rated) Ohfhtkqk|fKt ;+: yfsf] ] Uof/ ] )^Ldf uPsf] shf{ 20∞ – – – –cGt/ fli^«o >] )fLs[ t (Rated) a} +sdf u/ ] sf] cGo nufgL 20∞ – – – –cGt/ a} +s ;fk^L 20∞ – – – –z] o/ , l*j] Gr/ Pj+ a)*df ePsf] nufgL 100∞ 9, 982, 970.00 9, 982, 970.00 899, 340.00 899, 340.00cGo nufgLx? 100∞ – – – –shf{ , ;fk^ tyf lan; vl/ b÷l*: sfp)^ ;d] t -s'n / sd_ 100∞ 5, 469, 029, 418.79 5, 469, 029, 418.79 3, 463, 027, 757.15 3, 463, 027, 757.15: yL/ ;DklQx? 100∞ 65, 120, 526.06 65, 120, 526.06 47, 961, 381.57 47, 961, 381.57kfpg"kg] { cGo v'b Aofh / sd 100∞ 63, 231.70 63, 231.70 63, 000.00 63, 000.00cGo ;a} ;DklQx? -v'b cu|Ld s/ bflvnf jfx] s_ 100∞ 60, 785, 476.17 60, 785, 476.17 12, 425, 611.37 12, 425, 611.37;Ldf gf#] sf] l/ on : ^] ^÷cfjf;Lo #/ shf{ 150∞ – – – –-s_ hDdf 7, 518, 049, 936.30 5, 867, 868, 488.80 4, 650, 743, 914.41 3, 667, 560, 779.76-v_ jf;nft aflx/ sf sf/ f] jf/ x? (Off-Balance Sheet Items)laN; sn] S;g 0∞ – – – –clu|d ljb] zL ljlgdo ;Demf} tf 10∞ – – – –6 dlxgf eGbf sd cjlwsf] k|ltt kq -k'/ } / sd_ 20∞ – – – –cGt/ fli^«o >] )fLs[ t (Rated) ljb] zL Ohfhtkqk|fKt ;+: yfsf] sfp)^/ Uof/ ] G^Ldf hf/ L u/ ] sf] Uof/ ] )^L

20∞ – – – –

6 dlxgf eGbf a(L cjlwsf] k|ltt kq -k'/ } / sd_ 50∞ – – – –lj*j)*, k/ km/ d] G; j)* / k|Tofe"lt (Underwriting) ;DaGwL k|lta$tf 50∞ 26, 200, 000.00 13, 100, 000.00 12, 750, 000.00 6, 375, 000.00k'gM vl/ b ug] { zt{ df laqmL u/ ] sf] shf{ 50∞ – – – –clu|d e'QmfgL Uof/ ] )^L -Advance Payment Guarantee) 100∞ – – – –ljQLo tyf cGo hdfgt (Financial Guarantee) 100∞ – – – –ckl/ jTo{ shf{ k|lta$tf (Irrevocable Loan Commitment) 100∞ 296, 750, 339.72 296, 750, 339.72 190, 723, 000.00 190, 723, 000.00cfos/ afkt ;Defljt bfloTj 100∞ – – – –Acceptance ;lxt cGo ;a} k|sf/ sf ;Defljt bfloTjx? 100∞ – – – –k'gM l*: sfpG^ ul/ Psf lanx¿ 100∞ – – – –r'Qmf jf e"Qmfg x'g af+sL z] o/ nufgL 100∞ – – – –e'QmfgLsf nflu bfjL k/ ] sf] hdfgt (Unpaid Guarantee Claims) 200∞ – – – –;+: yfpk/ bfjL k/ ] sf] t/ ;+: yfn] bfloTj : jLsf/ gu/ ] sf] ;Defljt bfloTjx? 200∞ – – – –-v_ hDdf 322, 950, 339.72 309, 850, 339.72 203, 473, 000.00 197, 098, 000.00-u_ ;+rfng hf] lvdafkt sfod ug'{ kg] { / sd 100∞ 375, 902, 496.81 375, 902, 496.81 186, 029, 756.58 186, 029, 756.58s'n hf] lvd efl/ t ;DklQsf] hDdf -s+v+u_ 8, 216, 902, 772.83 6, 553, 621, 325.34 5, 040, 246, 670.99 4, 050, 688, 536.33

hf] lvd efl/ t ;DklQ ljj/ 0f tflnsf@)&@ cfiff9 d;fGt

cg';'rL 4=30 -s_

45

k|d"v ;'rsf°

sDtLdf laut % jif{ sf kl/ ;'rsx?@)&@ cfiff9 d;fGt

cg';'rL 4=31

laa/ )f ;'rsf°cf=j=

2067÷068

cf=j=

2068÷069

cf=j=

2069÷070

cf=j=

2070÷071

cf=j=

2071÷072

1= v'b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 38.39∞ 37.39∞ 34.05∞ 38.61∞ 39.09∞

2= k|lt z] o/ cfDbfgL -af] g; z] o/ cl#_ ?= 20.64 25.15 27.77 27.87 20.33

3= k|lt z] o/ ahf/ d'No ?= 130.00 138.00 155.00 345.00 305.00

4= d'No cfDbfgL cg'kft -PE Ratio) cg'kft 6.30 5.49 5.58 12.38 15.01

5= z] o/ k+"hLdf nfef+z -af] gz ;lxt_ k|ltzt 0.00∞ 25.00∞ 25.00∞ 21.05∞ 20.04∞

6= z] o/ k+"hLdf gub nfef+z e'QmfgL k|ltzt 18.00∞ 15.00∞ 5.00∞ 1.05∞ 0.00∞

7= Jofh cfDbfgL÷shf{ tyf ;fk^ k|ltzt 17.48∞ 14.10∞ 15.36∞ 14.71∞ 13.13∞

8= sd{ rf/ L vr{ ÷s'n ;+rfng vr{ k|ltzt 41.53∞ 45.92∞ 42.10∞ 48.09∞ 46.58∞

9= s'n lgIf] k tyf ;fk^Ldf Jofh vr{ k|ltzt 10.87∞ 7.94∞ 7.84∞ 7.09∞ 5.96∞

10= ;^xL #^a( cfDbfgL÷s'n cfDbfgL k|ltzt 0.00∞ 0.00∞ 0.00∞ 0.00∞ 0.00∞

11= sd{ rf/ L af] g;÷s'n sd{ rf/ L vr{ k|ltzt 26.69∞ 31.94∞ 27.37∞ 31.51∞ 36.24∞

12= v'b gfkmf÷shf{ ;fk^ k|ltzt 3.52∞ 3.01∞ 2.52∞ 2.98∞ 2.62∞

13= v'b gfkmf÷s'n ;DklQ cg'kft 2.35 0.02 0.02 0.02 0.02

14= s'n shf{ ÷ lgIf] k k|ltzt 81.47∞ 77.78∞ 80.78∞ 87.07∞ 86.55∞

15= s'n ;+rfng vr{ ÷s'n ;DklQ k|ltzt 2.26∞ 1.97∞ 2.22∞ 2.10∞ 1.65∞

16= hf] lvd efl/ t ;DklQdf k+"hLsf] ] kof{ Kttf

-s_ k|fylds k+"hL k|ltzt 17.97∞ 13.79∞ 11.22∞ 12.93∞ 14.77∞

-v_ k'/ s k+"hL k|ltzt 0.91∞ 1.00∞ 0.91∞ 0.86∞ 0.85∞

-u_ s'n k+"hL sf] if k|ltzt 18.88∞ 14.79∞ 12.13∞ 13.79∞ 15.63∞

17= t/ ntf -CRR) cg'kft 5.53∞ 5.12∞ 5.87∞ 5.68∞ 5.42∞

18= lgis[ o shf{ ÷s'n shf{ k|ltzt 0.02∞ 0.01∞ 0.02∞ 0.12∞ 0.29∞

19= Jofh b/ cGt/ (Weighted Average Interest Rate Spread)

k|ltzt 6.61∞ 6.55∞ 7.52∞ 7.62∞ 7.17∞

20= a"s g] ^jy{ ?= 232, 502, 611 252, 798, 330 317, 449, 819 523, 697, 676 973, 638, 722

21= s'n z] o/ -af] g; z] o/ cl#_ ;+Vof 2, 000, 000 2, 000, 000 2, 200, 000 3, 740, 000 7, 095, 006

22= s'n sd{ rf/ L ;+Vof 78 81 130 132 193

23= shf{ lgIf] k cg'kft -lgIf] k / k|fylds k'+hL_ k|ltzt 70.22∞ 69.64∞ 73.06∞ 77.03∞ 75.12∞

23= cGo

46

2072 ;fn cfiff( d;fGtsf] jf;nft tyf gfkmf gf] S;fg lx;fa;+u ;DalGwt

1= ;fdfGo hfgsf/ LM

ul/ df ljsf; a} +s lnld^] * -o; kZrft ‘ljsf; a} +s’ egL pNn] v ul/ Psf] _ tTsflng ul/ df ljsf; a} +s lnld^] * / lgnlul/ ljsf; lnld^] * ljrsf] dh{ / af^ : yflkt ePsf] / fli^«o : t/ sf] ævÆ ju{ sf] ljsf; a} +s xf] . o;sf] / lhi^*{ tyf s] Gb|Lo sfo{ no kf] v/ f pk–dxfgu/ kflnsf, j*f g+= 9, dx] Gb|k'ndf / x] sf] % . xfn o; ljsf; a} +ssf] 23 zfvf sfof{ nox? / Ps PS;^] G;g sfpG^/ 10 lhNnfdf -sf: sL, : ofª\hf, kfNkf, gjnk/ f;L, ?kGb] xL, tgx"“, kj{ t, afUn'ª, slknj: t' / DofUbL_ lj: tfl/ t %g . g] kfn / fi^« a} +saf^ 2072 cfiff( dlxgfdf sf: sLsf] kf] v/ f, lj/ f} ^f / gjnk/ f;Lsf] ;'gjndf zfvf sfo{ nox? Vff] Ng] l: js[ lt k|fKt ePsf] % .

ljsf; a} +ssf] ;fwf/ )f z] o/ ;fj{ hlgs vl/ b laqmLsf nflu g] kfn : ^s PS: r] Ghdf ;"rLs[ t % .

2= laQLo ljj/ )fx?sf] cfwf/ M

ljQLo ljj/ )fx? P] ltxfl;s nfut k$tLsf] cfwf/ df tof/ ul/ Psf] % . sDkgLsf] cfly{ s ljj/ )fx? n] vfsf ;j{ dfGo l;$fGt, g] kfn n] vfdfg tyf g] kfn / fi^« a} +ssf] lgb] { zg tyf a} +s tyf ljQLo ;+: yf ;DaGwL P] g, 2063 cg';f/ tof/ kfl/ Psf %g\ . a} +sn] cjnDag u/ ] sf] k|d'v n] vf lgtLx? lgDg cg';f/ %g\ .

3= k|d"v n] vf gLltx?M

3=1 l: y/ ;DklQdf x|f; s§L gLltM

s_ ljsf; a} +ssf] l: y/ ;DklQx?nfO{ P] ltxfl;s nfut cjwf/ )ffsf] cfwf/ df, ;DklQ vl/ b;“u ;Da$ cGo vr{ x? ;d] t ;f] xL l: y/ ;DklQdf ;dfj] z u/ L k'+hLs/ )f ul/ Psf] % .

v_ cb[ Zo ;DklQ (Softwares, Swifts, VSAT etc.) df 5 jif{ leq ;dfg"kflts (+un] vr{ n] Vg] ul/ Psf] % .u_ lnhxf] N* ;DklQ df lnh cjlw leq ;dfg'kflts (+un] vr{ n] Vg] ul/ Psf] % .#_ l: y/ ;DklQx?df cfos/ P] g 2058 df pNn] lvt #^\bf] x|f; k|)ffnL (Diminishing Balance Method) gLlt tyf b/

adf] lhd x|f;s§L ul/ Psf] % h"g g] kfn n] vfdfg 6 cg'?k %} g . ª_ l: y/ ;DklQx? k"/ fgf] eO{ sfd gnfUg] ePdf jf dd{ t ;+ef/ ubf{ ;d] t k"gM k|of] u x'g ;Sg] cj: yf gePdf jf rfn" ;DklQ

las|L jf lnnfd jf lg;u{ jf ckn] vg ug'{ kg] { ePdf cfly{ s k|;f;g ljlgodf ePsf] Aoa: yf adf] lhd ;fdfGo ;] jf ljefu tyf sfo{ ;+rfng ljefu k|d'vsf] l;kmfl/ ;df sfo{ sf/ L k|d'vn] cfjZos lg)f{ o ul/ las|L jf lnnfd jf lg;u{ jf ckn] vg ug] { ul/ Psf] % .

r_ o; jif{ vl/ b ePsf] l: y/ ;DklQdf ;DklQ vl/ b ePsf] ldlt jf k'+hLs/ )f ul/ Psf] ldltdWo] h"g kl% %, ;f] xL cg';f/ cfos/ P] g, 2058 df Joj: yf eP adf] lhd x|f; s§L ul/ Psf] % .

%_ ljsf; a} +sn] ? 2, 000=00 eGbf sd nfutdf vl/ b ul/ Psf] l: y/ ;DklQnfO{ k'+hLs/ )f gu/ L ;DalGwt zLif{ sdf l;w} vr{ n] vf+sg ug] { gLlt lnPsf] % .

3=2 cfos/ Aoj: yf gLltM

s_ cfos/ P] g 2058 / cfos/ lgodfjnL 2059 -z+;f] wg ;lxt_ jdf] lhd cfos/ u)fgf ul/ Psf] % .v_ n] vf+sg ul/ Psf] / sd (Accounting Base) / cfos/ P] g 2058 cg';f/ u)fgf ul/ Psf] s/ cfwf/ (Tax Base) / sddf

x'g] c: yfO{ km/ s tyf bfla of] Uo s/ ;DaGwL gf] S;fgLnfO{ g] kfn n] vfdfg 9 cg';f/ : yug ul/ Psf] s/ vr{ ÷cfDbfgL

k|d'v n] vf gLltx?cf=j= @)&!÷)&@

cg';'rL 4=32

47

: yug ul/ Psf] s/ ;DkQL tyf : yug ul/ Psf] s/ bfloTj sf] Aoa: yf ug] { n] vf gLlt / x] sf] % .

3=3 nufgL ;DaGwL gLltM

-s_ ljsf; a} +ssf] k'/ f cjlw;Dd / fVg] clek|fo (Long Term Holding Motive) n] u/ ] sf] nufgLnfO{ ckn] lvt nfutdf d'Nof+sg ug] { gLlt / x] sf] % . k/ n d'Noaf^ IftL #^fP/ ckn] lvt nfut u)fgf u/ L IftLnfO{ ;DalGwt cjlwsf] gfkmf÷gf] S;fg vftfdf ;dfj] z ug] { gLlt / x] sf] % .

-v_ cNksfndf d'Nodf x'g] kl/ jt{ gaf^ gfkmf cfh{ g ug] { p@] Zon] u/ ] sf] Jofkfl/ s nufgL (Held for Trading) nfO{ ahf/ d'No cg';f/ b} lgs ?kdf d'Nof+sg ug] { / d'Nodf x'g] leGgtfnfO{ gfkmf÷gf] S;fg vftfdf ;dfj] z ug] { gLlt / x] sf] % .

-u_ Jofkfl/ s nufgL (Held for Trading) / e'QmfgL ldlt;Dd wf/ )f ug] { nufgL (Held to Maturity) cGtu{ t gkg] { ;Dk')f{ nufgLnfO{ laqmLsf] nflu pknAw nufgL (Available for Sale) sf] ?kdf juL{ s/ )f u/ L ahf/ b/ cg'?k lgoldt ?kdf d'Nof+sg (Marked to Market on Regular Basis) u/ L leGgtfnfO{ hu] *fdfkm{ t ;dfof] hg ug] { gLlt / x] sf] % . laqmLsf] nflu pknAw nufgL kf] ^{ kmf] lnof] (Available for Sale Portfolio) sf] 2% ;Ddsf] / sd k"/ s k'+hL (Supplementary Capital) df u)fgf x'g] nufgL ;dfof] hg sf] if (Investment Adjustment Reserve) v*f u/ L / fVg] gLlt / x] sf] % .

-#_ nufgLnfO{ nfut jf ahf/ d'NodWo] h'g sd xf] ;f] xL / sddf d'Nof°g u/ L ;f] xL cg';f/ n] vf°g ug{ ] gLlt / x] sf] % . lwtf] kq ljlgdo ahf/ df ;'lrs[ t gePsf] z] o/ df ul/ Psf] nufgLnfO{ nfut d'Nodf d'Nof°g u/ L ;f] xL cg';f/ n] vf°g ug{ ] gLlt / x] sf] % .

3=4 ;^xL #^a( ;dfof] hg gLltM

ljsf; a} +s ævÆ ju{ sf] ljQLo ;+: yf ePsf] n] ;^xL #^j( ;dfof] hg gLlt tof/ ul/ Psf] %} g .

3=5 u} x| a} +lsª ;DklQsf] n] vf°g gLltM

shf{ c;'n pk/ ug] { qmddf lnnfd laqmL gePsf lwtf] x? ;+: yfn] sfod u/ ] sf] ahf/ d"No jf ;f] eGbf cl#Nnf] lbg ;Ddsf] ;Dk')f{ n] gf / sd dWo] h'g #l^ x'G% ;f] df d"Nofªsg ug] { gLlt lnOPsf] % . o; jif{ ljsf; a} +sn] To: tf] s'g} ;DklQ ;sf/ u/ ] sf] %} g .

3=6 k'+hLs[ t gul/ g] ;DklQx? n] vf°g gLltM

ljsf; a} +sn] ? 2, 000=00÷– eGbf sd nfutdf vl/ b ul/ Psf] l: y/ ;DklQnfO{ k'+hLs/ )f gu/ L ;DalGwt zLif{ sdf l;w} vr{ n] vf+sg ug] { gLlt lnPsf] % . k“"hLs/ )f gul/ Psf ;DklQx?sf] %'§} / lh: ^/ v*f ul/ / flvPsf] % .

3=7 cfDbfgL÷vr{ n] vf+sg gLlt M

s_ Jofh u)fgfsf] cfwf/ M shf{ ;fk^sf] Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/ (Cash Basis) df cfDbfgL hgfpg] ul/ Psf] % h"g g] kfn n] vfdfg 7 cg';f/ %} g .

nufgLaf^ k|fKt Aofh cfDbfgLnfO{ k|f] befjL cfwf/ (Accrual Basis) df n] vf°g ug{ ] gLlt / x] s] f % .v_ sldzg cfDbfgLM sldzg / ;] jf z'Nssf] cfDbfgLnfO{ gub k|flKt (Cash Basis) sf] cfwf/ d n] vf°g ug] { gLlt / x] sf] % .u_ Aofh vr{ M Aofh ltg'{ kg{ ] lgIf] k bfloTj tyf shf{ ;fk^df ltg'{ kg{ ] Aofh / sdnfO{ k|f] befjL cfwf/ df n] vf°g ug{ ] gLlt

/ x] sf] % .

3=8 ;Defljt shf{ gf] S;fgL Joj: yf tyf c;'nL x'g g;Sg] shf{ x?sf] ckn] vg gLltM

shf{ ;fk^ tyf lan vl/ bnfO{ g] kfn / fi^« a+} s af^ hf/ L lgb{ ] zg adf] lhd jlu{ s/ )f ug{ ] gLlt / x] sf] % . shf{ , ;fk^ tyf lan vl/ bnfO{ jf;nftdf ;Defljt gf] S;fgL Aoj: yf kl%sf] v'b d'Nodf b] vfOPsf] % .

shf{ ;fk^sf] ckn] vg g] kfn / fi^« a+} saf^ hf/ L lgb{ ] zg Pj+ a+} ssf] shf{ ckn] vg ljlgodfjnL adf] lhd ug] { gLlt / x] sf] % .

48

3=9 shf{ sf] ;f“jf tyf Aofh c;'n ug] { Joj: yfM

ljsf; a} +sn] ;DjlGwt C)fLaf^ / sd c;'n pk/ ubf{ To: tf] c;'n / sd dWo] af^ ;j{ k|yd c;'n pk/ ug'{ kg] { Aofh / sd ;Dk")f{ ?kdf c;'n pk/ ePkl%sf] cj: yfdf dfq af“sL / sd ;f+jfdf cfjZos lx;fj ldnfg ug] { gLlt / x] sf] % .

3=10 v'b gfkmf af“*kmf“* gLltM

a} +s tyf ljQLo ;+: yf ;DaGwL P] g, 2063 cg';f/ gfkmf gf] S;fg lx;faaf^ b] lvPsf] d'gfkmfsf] 20 k|ltzt / sdnfO{ ;fwf/ )f hu] *f sf] ifdf af“*kmf“* ug] { gLlt / x] sf] % .

3=11 sd{ rf/ L pkbfg, ljbf tyf cGo ;'ljwf jfkt Aoj: yf gLltM

s_ sd{ rf/ Lsf] pkbfgsf] Aoj: yf (Provision) ljsf; a} +ssf] sd{ rf/ L ;] jf ljlgodfjnL 2064 adf] lhd ul/ Psf] % . cGo ;'ljwf jfktsf] Aoj: yf k|f] befjLsf] cfwf/ df ul/ Psf] % .

v_ casfz jvtdf e'QmfgL ul/ g' kg] { ;+lrt ljbf afktsf] / sdnfO{ lasf; a} +ssf] sd{ rf/ L ;] jf ljlgodfjnL 2064 adf] lhd Aoj: yf ul/ Psf] % eg] cGo ;+lrt ljbf afktsf] / sdnfO{ gub k|fKtLsf] cfwf/ df vr{ n] vf+sg ug] { gLlt / x] sf] % .

u_ sd{ rf/ L af] g; Aoj: yf af] g; P] g 2030 cg';f/ ;+rfng kl%sf] v'b d'gfkmfaf^ 10 k|ltztsf] b/ n] x'g] / sd af] g; jfkt Aoj: yf ul/ Psf] % .

3=12 ;Defljt bfloTjx?M

;Defljt bfloTjx? Jff;nftsf] ;Da¢ cg';'rLdf b] vfOPsf %g\ .

49

2072 ;fn cfiff( d;fGtsf] jf;nft tyf gfkmf gf] S;fg lx;fa;+u ;DalGwt

1= lgnlul/ ljsf; a} +s lnld^] *;“u ePsf] dh{ / k|ls|of sf ;DaGwdf

ul/ df ljsf; a} +s lnld^] * / lgnlul/ ljsf; a} +s lnld^] * g] kfnsf] k|rlnt sDkgL ;DaGwL sfg'g adf] lhd : yfkgf eO{ a} +s tyf ljQLo ;: yf ;DalGw P] g 2063 adf] lhd ;~rfngdf / x] sf] g] kfn / fi^« a} +saf^ ævÆ ju{ sf] Ohfht kq k|fKt ljsf; a} +sx? x'g\ . oL b'O{ ljsf; a} +sx? g] kfnsf k|rlnt sfg'gL Aoj: yfx? adf] lhd, ldlt 2072 c;f/ 6 ut] ;DkGg b'j} ljsf; a} +sx?sf z] o/ wgLx?sf] %'§f%'§} ljz] if ;fwf/ )f ;efaf^ Ps cfk;df ufEg] ufleg] ;DaGwL ljz] if k|: tfjx? kfl/ t ug'{ sf ;fy} g] kfn / fi^« a} +ssf] ldlt 2072÷03÷24 sf] k=;+=M a} =lj=lg=lj=÷dh{ / –125÷071÷72 / sDkgL / lhi^«/ sf] sfof{ nosf] ldlt 2072÷03÷25 sf] kq ;+Vof 71÷72, r=g+=M 24866 sf] kq dfkm{ t ufEg ufleg clGtd l: js[ tL k|fKt eP cg';f/ Ps cfk;df ufleO{ ldlt 2072÷03÷29 b] lv PsLs[ t sf/ f] af/ ul/ Psf] xf] .

b'j} ljsf; a} +sx? Ps cfk;df ufEg] ufleg] l;nl;nfdf ;DkGg ;xdlt Pj+ ;Demf} tf tyf ufEg] ufleg] ;DaGwL k|: tfjx? Kffl/ t ug{ af] nfOPsf b'j} ljsf; a} +sx?sf %'§f%'§} ljz] if ;fwf/ )f ;efaf^ ePsf lg)f{ o adf] lhd PsLs[ t sf/ f] af/ ubf{ sf] lbg ldlt 2072 c;f/ 29 ut] b'j} ljsf; a} +sx?af^ k|ltlglwTj x'g] u/ L u&g ePsf] ;~rfns ;ldltsf] j} &s ;DkGg eof] . ;f] xL ;ldltsf] ;f] xL lbg a;] sf] j} &ssf] lg)f{ o cg';f/ PsLs[ t sf/ f] af/ ubf{ sf] lbg eGbf &Ls Ps lbg cufl* cyf{ t ldlt 2072 ciff( 28 ut] sf] sf/ f] af/ kZrft ;fljs lgnlul/ ljsf; a} +s lnld^] *sf] lx;fjdf b] lvPsf] ;Dk")f{ ;DklQ tyf bfloTj Pj+ k"“hL tyf hu] *f ;d] tsf] : jfldTj ul/ df ljsf; a} +s lnld^] *df ;/ ] sf] % .

dh{ / ;Demf} tf adf] lhd lgnlu/ L ljsf; a} +s lnld^] *af^ ul/ df ljsf; a} s lnld^] *sf] : jfldTjdf cfPsf] ;Dk")f{ ;DklQ tyf bfloTojnfO{ ul/ df ljsf; a} +s lnld^] *sf] n] vfdf c;f/ 29 df / x] sf] lstfaL d'Nodf g} d'Nof+sg ul/ Psf] % . ;DklQ tyf bfloTj sf ;fy} a} wflgs hu] *f tyf cGo hu] *f -;fwf/ )f hu] *f, : yug s/ hu] *f_ / ;l~rt gfkmf÷gf] S;fg ;d] t lgnlul/ ljsf; a} s lnld^] *sf] n] vfdf 2072 cfiff( 28 df / x] sf] lstfaL d'Nodf g} d'Nof+sg u/ L ul/ df ljsf; a} s lnld^] *sf] lx;fjdf ;dfj] z ul/ Psf] % .

2= k'“hLut ;+/ rgf / r'Qmf k'“hL

dh{ / kZrft a} +ssf] z] o/ k'+hLsf] ;+/ rgf kl/ jt{ g ePsf] % . dh{ / kZrft a} +ssf] z] o/ k'+hLsf] o; k|sf/ / x] sf] % .• clws[ t k'“hL ? 1, 000, 000, 000.00 ;fwf/ )f z] o/ ;+Vof 10, 000, 000 k|lt z] o/ ? 100.00 • hf/ L k'“hL ? 711, 000, 000.00 ;fwf/ )f z] o/ ;+Vof 7, 110, 000 k|lt z] o/ ? 100.00 • r'Qmf k'“hL ? 709, 500, 600.00 ;fwf/ )f z] o/ ;+Vof 7, 095, 006 k|lt z] o/ ? 100.00

z] o/ k"“hLsf] ;+/ rgfdf kl/ jt{ g ePsf] laj/ )fM

ljj/ )f / sd

cf=a= 2071÷72 sf] ;"? k+'hL 374, 000, 000.00ykM cf=a= 2070÷71 sf] gfkmf af^ 20Ü af] g; ;] o/ 74, 800, 000.00hDdf 448, 800, 000.00ykM cf=a= 2071÷72 sf] 4M1 xsk|b z] o/ 112, 200, 000.00ykM dh{ kZrft cfPsf] lgnlul/ lasf; a} +ssf] k+'hL 148, 500, 600.00cf=a= 2071÷72 sf] s'n k+'hL 70, 9500, 600.00

n] vf ;DaGwL l6Kk0fLx?cf=j= @)&!÷)&@

cg';'rL 4=33

50

-gf] ^M 2072 cfiff( d;fGtdf ljsf; a} +ssf] jf;nftdf / x] sf] r'Qmf k'“hL ?= 70, 95, 00, 600.00 sfod eO{ k|aGwkqdf pNn] v ePsf] ?= 71, 10, 00, 000.00 eGbf ?= 14, 94, 400 n] km/ s b] lvg uPsf] % . ;fljs lgnlul/ ljsf; a} +s lnld^] *n] hf/ L u/ ] sf] xsk|b z] o/ af“*kmf“* u/ L laqmL x'g g;s] sf] z] o/ lnnfdL k|lqmof dfkm{ t laqmL ug'{ eGbf klxNo} ufEg] ufleg] k|lqmofdf k|j] z u/ ] sf] sf/ )f z] o/ sf/ f] af/ / f] Ssf / fVg' k/ ] sf] n] ;fljs lgnlul/ ljsf; a} +s lnld^] *sf] ;j{ ;fwf/ )f ;d"xsf] xsk|b lgisfzg dfkm{ t 14, 994 lsQf z] o/ laqmL x'g ;s] sf] lyPg . ctM ufleP/ ag] sf] ljsf; a} +s, ul/ df ljsf; a} +s lnld^] *sf] lx;fjdf 2072 cfiff( d;fGtsf lbg ;f] lsQf a/ fa/ sf] z] o/ / sd ;dfj] z gePsf] n] k|jGwkq adf] lhdsf] r'Qmf k'“hL pNn] v x'g] cj: yf / x] g . o$lk, pQm laqmL geO{ af“sL / x] sf] z] o/ xfn lnnfd a(fa(sf] dfWoodaf^ laqmL eO{ ;s] sf] % . ;fwf/ )f ;efsf nflu z] o/ sf/ f] af/ / f] Ssf / xg"k'j{ laqmL ePsf] z] o/ ;d] tnfO{ ;dfj] z u/ L af] g; z] o/ k|: tfj ul/ Psf] % ._

3= r'Qmf k'+hLdWo] clu|d e'QmfgL k|fKt (Paid in Advance), e'QmfgL k|fKt x'g af+sL (Calls in Arrears) / hkmt ul/ Psf t/ k"gM

lgisfzg gul/ ;s] sf (Forfeited But Not Issued) z] o/ x? / x] sf %g\ eg] o; ;DaGwL ljj/ )fM

lasf; a} +ssf] r'Qmf k"“hLdWo] clu|d e'QmfgL k|fKt, e'QmfgL k|fKt x'g af+sL / hkmt ul/ Psf t/ k'gM lgisfzg gul/ ;s] sf z] o/ x? / x] sf %} g\g .

4= nufgL ;dfof] hg sf] if

a} +sn] caNDag u/ ] sf] nufgL gLlt cg'?k Available For Sale nufgLsf] ?kdf juL{ s/ )f ul/ Psf] nufgLsf] k/ n d"No ?= 273, 440 / ahf/ d"No ?= 1, 534, 280 / x] sf] / ;f] sf] leGgtf ?= 1, 260, 840 nfO{ nufgL / nufgL ;dfof] hg sf] if yk ul/ Psf] % .

To;} u/ L Available For Sale nufgLsf] ?kdf juL{ s/ )f ul/ Psf] nufgLsf] 2 k|ltztn] x'g cfpg] ?= 5, 468=00 ;d] t gfkmf–gf] S;fg lx;fa dfkm{ t nufgL ;dfof] hg sf] ifdf af“*kmf“* ul/ Psf] % .

5= jif{ el/ df k|jfx ePsf] shf{ ;fk^sf] laj/ )fM

o; cfly{ s jif{ el/ df shf{ ;fk^df ePsf] kl/ jt{ gsf] ljj/ )fnfO{ lgDgfg';f/ k|: t't ul/ Psf] % M

ljj/ )f o; jif{ ;flas lgnlu/ L ljsf; a} +s

af^ ;/ L cfPsf] hDdf ut jif{

shf{ ;fk^ 4, 761, 260, 457.79 742, 171, 259.00 5, 503, 431, 716.79 3, 496, 403, 793.47

6= lgIf] k bfloTj cGtu{ t zLif{ s cg';f/ lgIf] k bfloTjsf] laj/ )fM

o; cfly{ s jif{ el/ df lgIf] k bfloTjdf ePsf] kl/ jt{ gsf] ljj/ )fnfO{ lgDgfg';f/ k|: t't ul/ Psf] % M

ljj/ )f o; jif{ ;flas lgnlu/ L lasf;

a} +s af^ ;/ L cfPsf] hDdf ut jif{

d'@tL lgIf] k 1, 014, 621, 465.00 273987594.00 1, 288, 609, 059.00 872, 421, 327.64art lgIf] k 3, 280, 062, 196.37 440076441.00 3, 720, 138, 637.37 2, 439, 829, 973.2

rNtL lgIf] k 93, 384, 971.67 5396906.00 98, 781, 877.67 88, 638, 177.62

sn lgIf] k 1074857524.76 176205959.00 1, 251, 063, 483.76 614, 590, 163.20hDdf 5, 462, 926, 157.80 895, 666, 900.00 6, 358, 593, 057.80 4, 015, 479, 641.66

7= lgIf] k / shf{ sf] efl/ t cf} ift Aofh b/ sf] cGt/ (Weighted Average Interest Rate Spread)M ljsf; a} +ssf] lgIf] k / shf{ sf] efl/ t cf} ift Aofh b/ sf] cGt/ lgDgfg';f/ k|: t't ul/ Psf] % M

51

ljj/ )f o; jif{ shf{ tyf nufgLsf] cf} ;t Jofhb/ 13.13 lgIf] ksf] cf} ;t Jofhb/ 5.96v'b cGt/ (Spread) 7.17

8= ckn] vg x'g af+sL vr{ sf] ljj/ )fM

ljsf; a} +ssf] o; aif{ ckn] vg ug{ vr{ af“sL / x] sf] %} g . a+} ssf] dh{ / vr{ ?= 1, 145, 432.00 nfO{ oxL cf=a= df vr{ n] lvPsf] % .

9= Ohfhtkqk|fKt ;+: yfsf] ;DklQ / bfloTj;+u ;DalGwt sf/ f] af/ / jf;nft aflx/ sf] sf/ f] af/ s'g} Ps JolQm kmd{ , sDkgL jf ;+ul&t

;+: yf tyf s'g} Ps If] qdf tf] lsPsf] ;LdfeGbf a(L clws] lGb|t ePsf] ljj/ )fM

ljsf; a} +ssf] ;DklQ / bfloTj;+u ;DalGwt sf/ f] af/ / jf;nft aflx/ sf] sf/ f] af/ s'g} Ps JolQm kmd{ , sDkgL jf ;+ul&t ;+: yf tyf s'g} Ps If] qdf tf] lsPsf] ;LdfeGbf a(L clws] lGb|t ePsf] %} g .

10= t/ ntf ;DaGwL hf] lvd Go"gLs/ )f ug{ Ohfhtkqk|fKt ;+: yfn] cfkm\gf] bfloTj tyf ;DklQnfO{ e'QmfgL cjlw (Maturity Period) sf] cfwf/ df ljleGg ;do cGt/ fndf juL{ s/ )f ug'{ kg] { ;DaGwdf g] kfn / fi^« a} +sn] lbPsf] lgb] { zg cg'?k ;DklQ / bfloTjsf]

juL{ s/ )f ul/ Psf] laj/ )fM

t/ ntf ;DaGwL hf] lvd Go"gLs/ )f ug{ ljsf; a} +sn] cfkm\gf] bfloTj tyf ;DklQnfO{ e'QmfgL cjlw (Maturity Period) sf] cfwf/ df ljleGg ;do cGt/ fndf juL{ s/ )f ug'{ kg] { ;DaGwdf g] kfn / fi^« a} +sn] lbPsf] lgb] { zg cg'?k ;DklQ / bfloTjsf] lgDgfg';f/ juL{ s/ )f ul/ Psf] % M

-?= 000df_

s|=

;=lja/ )f

1–90

lbg

91–180

lbg

181–270

lbg

271–365

lbg

1 aif{ eGbf

a(Ls'n / sd

;DkQL

1 gub df} Hbft 1, 93, 152.00 1, 93, 152.00

2 g] kfn / fi^« a} +sdf / x] sf] df} Hbft 3, 41, 080.00 3, 41, 080.00

3 a} +s÷ljQLo ;+: yfdf / x] sf] df} Hbft 13, 14, 428.00 13, 14, 428.00

4 g] kfn ;/ sf/ sf] cGo C)fkq 30, 000.00 30, 000.00

5 shf{ ;fk^ tyf lan vl/ b 336 3, 875.00 3, 073.00 13, 83, 810.00 41, 12, 340.00 55, 03, 434.00

s'n ;DkQL 18, 48, 996.00 3, 875.00 3, 073.00 13, 83, 810.00 41, 42, 340.00 73, 82, 094.00

bfloTj

1 rNtL lx;fa 13, 49, 994.00 13, 49, 994.00

2 art lx;fa 37, 20, 138.00 37, 20, 138.00

3 d"@tL lx;fa 23, 448.00 1, 28, 086.00 7, 77, 471.00 3, 59, 604.00 12, 88, 609.00

4 ;lG*| s] |l*^|; 8, 282.35 8, 282.35

5 cGo bfloTj 83, 844.10 26, 290.24 1, 10, 134.34

s'n bfloTj 51, 85, 706.45 1, 28, 086.00 0.00 7, 77, 471.00 3, 85, 894.24 64, 77, 157.69

v"b ;DkQL -33, 36, 710.45 -1, 24, 211.00 3, 073.00 6, 06, 339.00 37, 56, 445.76 9, 04, 936.31

;+rLt v"b ;DkQL -33, 36, 710.45 -34, 60, 921.45 -34, 57, 848.45 -28, 51, 509.45 9, 04, 936.31 0

52

11= Ohfhtkqk|fKt ;+: yfn] ;"/ If)fsf ?kdf cfkm\gf] ;DklQ lwtf] / fvL / sd lnPsf] % eg] ;f] sf] ljj/ )fM

ljsf; a} +sn] ;'/ If)fsf ?kdf cfkm\gf] ;DklQ lwtf] / fvL s'g} klg ;+# ;+: yfaf^ shf{ lnPsf] %} g .

12= u} / a} +lsª ;DklQ ;DaGwL ljj/ )fM

ljsf; a} +sn] xfn;Dd u} / a} +lsª ;DklQ ;sf/ ] sf] %} g .

13= lnhxf] N* ;DklQdf ut jif{ ;Dd / o; jif{ ckn] vg (Amortization) ul/ Psf] / sdsf] ljj/ )fM

ljsf; a} +sn] ut cfly{ s jif{ df ckn] vg x'g af“sL / x] sf] lnhxf] N* ;DklQ ?= 20, 232, 604=66 dWo] o; cfly{ s jif{ df ?= 13, 631, 536.15 yk nufgL / ?= 5, 829, 424=89 ckn] vg u/ L ?= 28, 034, 715=83 ckn] vg x'g af+sL / x] sf] % .

14= ;km\^jo] / df ut jif{ ;Dd / o; jif{ ckn] vg (Amortization) ul/ Psf] / sdsf] ljj/ )fM

ljsf; a} +sn] ut cfly{ s jif{ df ckn] vg x'g af+sL / x] sf] ;km\^jo] / ;DklQ ?= 1, 968, 372=00 dWo] o; cfly{ s jif{ df ?= 1, 474, 650=00 yk nufgL / ?= 787, 023=00 ckn] vg ul/ ?= 2, 655, 999=00 ckn] vg x'g af“sL / x] sf] % . To;} ;flas lgnlu/ L ljsf; a} +ssfaf^ ;km\^jo] / ;DklQ ?= 277, 144=99 ;l/ cfP kl% hDdf ;km\^jo] / ;DklQ ?= 2, 933, 143=99 af+sL / x] sf] % .

15= lgnlu/ L lasf; a} +saf^ ;l/ cfPsf] : yfoL ;DklQsf] laj/ )f

ljj/ )f kl/ jxg ;fwg d] lzg/ L sfof{ no ;fdfg cGo HDdf

1 k/ n df] n

-s_ lgnlu/ L ljsf; a} s af^ ;l/ cfPsf]

508, 800.00 276, 000.00 14, 000.00 7, 633, 796.88

s'n k/ ndf] n 508, 800.00 276, 000.00 6, 834, 996.88 14, 000.00 7, 633, 796.88 2 x|f; s§L

-s_ ut jif{ ;Ddsf] lgnlu/ L lasfz a} +ssf]

127, 990.36 139, 277.73 4, 673, 678.76 2, 500.00 4, 943, 446.84

s'n x|f;s§L 127, 990.36 139, 277.73 4, 673, 678.76 2, 500.00 4, 943, 446.84

3 a's Eofn" (WDV*) -1–2_ 380, 809.64 136, 722.27 2, 161, 318.12 11, 500.00 2, 690, 350.04

16= sd{ rf/ L af] g; Joj: yfM

af] g; P] g, 2030 cgÒ;f/ sd{ rf/ L af] g; Joj: yf ;Dk")f{ sf/ f] af/ kl%sf] d'gfkmfaf^ cfos/ afkt Joj: yf ug'{ k'j{ tyf af] g; Joj: yf kl% x'g cfpg] d'gfkmfsf] 10 k|ltzt ul/ Psf] % . sd{ rf/ L af] g; afkt o; jif{ ?= 23, 135, 207.22 gfkmf gf] S;fg lx;fadf vr{ hgfO{ lgnlu/ L ljsf; a} +saf^ ;l/ cfPsf] af] g; afktsf] bfloTj ;d] t cGo bfloTj zLif{ sdf b] vfOPsf] % .

17= ;fwf/ )f hu] *f sf] ifM

a+} s tyf ljQLo ;+: yf ;DaGwL P] g, 2063 d"tfljs v"b d'gfkmfsf] 20 k|ltztn] x'g cfpg] / sd ?= 2, 88, 41, 954.35 ;fwf/ )f hu] *f sf] ifdf / sdfGt/ ul/ Psf] % .

18= k|: tfljt nfef+zM ljsf; a} +ssf] ;+rfns ;ldltn] cfly{ s aif{ 2071÷72 sf] d'gfkmf / 2072 cfiff( d;fGt ;Ddsf] z] o/ lk|ldod ;d] t af^

;fljs lgnlul/ ljsf; a} +s lnld^] *n] hf/ L u/ L laqmL x'g g;s] sf] ;j{ ;fwf/ )f ;d"xsf] 14, 994 lsQf z] o/ lnnfd k|lqmof dfkm{ t laqmL ul/ ;s] sf] n] ;f] ;d] t hDdf r'Stf k'+hL ?= 71, 10, 00, 000=00 sf] 20Ü ?= 14, 22, 00, 000=00 af] g; z] o/

53

k|: tfj u/ ] sf] % . lasf; a} +sn] k|: tfj u/ ] sf] af] g; z] o/ ;fwf/ )f ;efaf^ cg'df] bg x'g af+sL % .

19= cfos/ Aoa: yfM

o; aif{ sf] cfos/ Aoa: yf cfos/ P] g, 2058 -;+zf] wg ;lxt_ tyf cfos/ lgodfjnL 2059 cg';f/ ?= 6, 33, 32, 835.00 Aoa: yf u/ ] sf] % .

20= : yug ul/ Psf] s/ M

g] kfn n] vfdfg 9 cg';f/ sf] c: yfO{ km/ saf^ pTkGg x'g] : yug ul/ Psf] s/ cfdbfgL u)fgf ul/ gfkmf gf] S;fg lx;fadf cfdbfgL hgfO{ Psf] % . k|: t't aif{ ;Ddsf] : yug ul/ Psf] s/ ;DkQLnfO{ cg';"rL 4=16 df pNn] v ul/ Psf] % .

ljj/ )f n] vf cfwf/ s/ cfwf/ km/ s: yug s/ ;DkQL

-bfloTj_

l: y/ ;DkQL 6, 80, 53, 669 6, 79, 56, 249 - 97, 420 - 29, 226

pkbfg Aoa: yf 49, 57, 588 - 49, 57, 588 14, 87, 276

labf Aoa: yf 96, 97, 227 - 96, 97, 227 29, 09, 168

o; aif{ ;Ddsf] : yug s/ ;DkQL 43, 67, 218

Go'gM ut aif{ ;Ddsf] : yug s/ ;DkQL 31, 43, 119

Go'gM lgnuLl/ lasf; a} +saf^ ;l/ cfPsf] 7, 04, 863

o; aif{ ;Ddsf] : yug s/ cfDbfgL 5, 19, 236

21= sd{ rf/ L cjsfz tyf ;l~rt labf sf] if

sd{ rf/ L ;] jf ljlgodfjnL cg';f/ sd{ rf/ LnfO{ lbOPsf] labf ;'ljwfdWo] cfly{ s aif{ 2071÷072 df sd{ rf/ Lsf] 2071 ;fn r} q d;fGt;Ddsf] ;+lrt ljbfsf] cfwf/ df x'g cfpg] / sd ?= 8, 589, 416=67 nfO{ ljbf Joj: yf zLif{ sdf Aoj: yf ul/ Psf] % .

;fy} sd{ rf/ L ;] jf ljlgodfjnL cg';f/ sd{ rf/ LnfO{ cjsfz kZrft k|bfg ul/ g] pkbfg afkt hDdf / sd ?= 4, 717, 680=00 nfO{ k] G;g÷pkbfg sf] if zLif{ sdf Aoj: yf ul/ Psf] % .

o: Q} ;flas lgnlu/ L ljsf; a} +ssf sd{ rf/ LnfO{ lbOPsf] labf ;'ljwfdWo] cfly{ s aif{ 2071÷072 df sd{ rf/ Lsf] 2072 ;fn cfiff* d;fGt;Ddsf] ;+lrt ljbfsf] cfwf/ df x'g cfpg] / sd ?= 1, 107, 810.00 nfO{ ljbf Joj: yf zLif{ sdf Aoj: yf ul/ Psf] % . / sd{ rf/ LnfO{ cjsfz kZrft k|bfg ul/ g] pkbfg afkt hDdf / sd ?= 239, 907=53 nfO{ k] G;g÷pkbfg sf] if zLif{ sdf Aoj: yf ul/ Psf] % .

22= cfly{ s aif{ 2071÷072 df c;'n x'g kg] { t/ 2072 ;fpg 15 ;Dd c;'n ePsf] AofhnfO{ o; aif{ sf] cfDbfgLdf b] vfO{ sf] %} g .

23= lgnlu/ L lasf; a} +s lnld^] *sf] 2072 cfiff( 28 ut] sf] ;DkQL tyf bfloTj ul/ df lasf; a} +s lnld^] *sf] n] vfdf n] vf+sg ul/ Psf] % .

24= cfly{ s aif{ 2070÷071 sf c+sx? cfjZostf cg';f/ k'gM juL{ s/ )f u/ L b] vfOPsf %g\ . ut aif{ sf] c+sx? dh{ x'g' cufl*sf] ul/ df lasf; a} +s lnld^] *sf] dfq ePsf] / o; jif{ sf] ljQLo ljj/ )fn] dh{ eP kZrftsf] ljj/ )f ;d] ^] sf] x'gfn] t'ngLo %} g\ .

25= c+sx?nfO{ lgs^\td k} ;fdf kl/ jt{ g u/ L b] vfOPsf %g\ .

54

qm=

;+=

;+: yfks÷;+: yfks ;d"x

cGtu{ t kg] { z] o/ wgLsf]

gfd

;+: yfkssf] : jfldTjdf

sfod / x] sf] z] o/

shf{ ljj/ )f

s} lkmotshf{ lnPsf] cGo

a} +s÷ljQLo ;+: yfsf] gfd

shf{

/ sd

lwtf] df / x] sf]

z] o/ lsQf ;+Vofs'n lsQf

;+Vof

s'n r'Qmf

k"+hLsf] k|ltzt

1

2

3gf] ^ M o; ljQLo ;+: yfsf ;+: yfks ;d"xsf z] o/ wgLx?n] cfkm\gf] : jfldTjdf / x] sf] z] o/ cGo a} +s tyf ljQLo ;+: yfdf lwtf] / fvL shf{ glnPsf] .

;+: yfks÷;+: yfks ;d"xsf z] o/ wgLn] cfkm\gf] : jfldTjdf / x] sf] z] o/ cGo a} +s

tyf ljQLo ;+: yfdf lwtf] / fvL shf{ lnPsf] ljj/ 0f@)&@ cfiff9 d;fGt

cg';'rL 4=34

55

Comparison of Unaudited and Audited Financial Statement as of FY 2071/ 072cg';'rL 4=35Rs in ‘000

S. No.

Particulars

As per Unaudited Financial

Statement

As per Audited Financial

Statement

Variance

Reasons for VarianceIn Amount In %

1 Total Capital and Liabilities (1.1 to 1.7) 7, 600, 665.00 7, 452, 362.54 -148, 302.46 -1.99%1.1 Paid up Capital 709, 501.00 851, 700.60 142, 199.60 20.04% Due to provision of 20% bonus share1.2 Reserve and Surplus 265, 198.00 121, 938.12 -143, 259.88 -54.02% Due to provision of 20% bonus share1.3 Debenture and Bond - - - -1.4 Borrowings - - - -1.5 Deposits (a+b) 6, 358, 741.00 6, 358, 593.06 -147.94 -0.00%

a. Domestic Currency 6, 358, 741.00 6, 358, 593.06 -147.94 -0.00%b. Foreign Currency - - - -

1.6 Income Tax Liability 69, 971.00 1, 716.02 -68, 254.98 -97.55% Due to adjustment of advance tax1.7 Other Liabilities 197, 254.00 118, 414.74 -78, 839.26 -39.97% Due to inclusion of loan loss provision2 Total Assets (2.1 to 2.7) 7, 600, 665.00 7, 452, 362.54 -148, 302.46 -1.99%

2.1 Cash and Bank Balance 534, 232.00 624, 455.59 90, 223.59 16.89%Due to showing current account balance in money at call in in unaudited financial statement

2.2 Money at Call and Short Notice 1, 314, 428.00 1, 224, 210.43 -90, 217.57 -6.86%

Due to showing current account balance in money at call in in unaudited financial statement and adjustment of interest after bank reconcialiation

2.3 Investments 38, 721.00 39, 982.97 1, 261.97 3.26%2.4 Loans and Advances (a+b+c+d+e) 5, 503, 434.00 5, 437, 744.32 -65, 689.68 -1.19% Due to concept of gross loan and net loan

a. Real Estate Loan 130, 308.00 129, 004.92 -1, 303.08 -1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 crore)

14, 147.00 14, 005.53 -141.47 -

2. Business Complex & Residential Apartment Construction Loan

- - - -

3. Income generating Commercial Complex Loan 39, 503.00 39, 107.97 -395.03 -4. Other Real Estate Loan (Including Land purchase & Plotting)

76, 658.00 75, 891.42 -766.58 -

b. Personal Home Loan of Rs. 1 crore or Less 1, 051, 460.00 1, 040, 945.40 -10, 514.60 -c. Margin Type Loan - - - -d. Term Loan 1, 024, 768.00 1, 014, 520.32 -10, 247.68 -e. Overdraft Loan/ TR Loan/ WC Loan 1, 741, 082.00 1, 722, 186.68 -18, 895.32 -f. Others 1, 555, 816.00 1, 531, 087.00 -24, 729.00 -

2.5 Fixed Assets 66, 948.00 65, 120.53 -1, 827.47 -2.73%2.6 Non Banking Assets - - - -

2.7 Other Assets 142, 902.00 60, 848.71 -82, 053.29 -57.42%Due to shwoing accrued interest receivable in unaudited financial statement

3 Profit and Loss Account3.1 Interest Income 667, 892.00 576, 044.04 -91, 847.96 -13.75%

Because of showing all income and expenses of then Nilgiri Bikas Bank Ltd. and when preparing financials of year end it was transferred in general reserve and retained earnings.

3.2 Interest Expenses 326, 786.00 269, 328.13 -57, 457.87 -17.58%A. Net Interest Income (3.1 to 3.2) 341, 106.00 306, 715.91 -34, 390.09 -10.08%3.3 Fees Commission and Discount 8, 490.00 7, 087.71 -1, 402.29 -16.52%3.4 Other Operating Income 60, 846.00 55, 108.24 -5, 737.76 -9.43%3.5 Foreign Exchange Gain/ Loss (Net) - 0.02 0.02 0.00%B. Total Operating Income (A+3.3+3.4+3.5) 410, 442.00 368, 911.87 -41, 530.13 -10.12%3.6 Staff Expenses 64, 894.00 57, 261.43 -7, 632.57 -11.76%3.7 Other Operating Expenses 71, 905.00 65, 668.07 -6, 236.93 -8.67%C. Opereting Profit before Provision (B-3.6-3.7) 273, 643.00 245, 982.37 -27, 660.63 -10.11%3.8 Provision For Possible Losses 17, 889.00 18, 390.31 501.31 2.80%D. Operating Profit (C-3.8) 255, 754.00 227, 592.06 -28, 161.94 -11.01%3.9 Non-Operating Income/ Expenses (Net) 705.00 704.80 -0.20 0.00%3.1 Write Back of Provision For Possible Loss - - - -E. Profit From Regular Activities (D+3.9+3.10) 256, 459.00 228, 296.87 -28, 162.13 -10.98%3.11 Extra Ordinary Income/ Expenses (Net) - - - -F. Profit Before Bonus and Taxes (E+3.11) 256, 459.00 228, 296.87 -28, 162.13 -10.98%3.12 Provision For Staff Bonus 23, 324.00 20, 754.26 -2, 569.74 -11.02%3.13 Provision For Tax 69, 971.00 63, 332.84 -6, 638.16 -9.49%G. Net Profit/ Loss (F-3.12-3.13) 163, 164.00 144, 209.77 -18, 954.23 -11.62%

56

S. No.

ParticularsThis Quarter

EndingPrevious Quarter

Ending

Corresponding Previous Year

Quarter Ending1 Total Capital and Liabilities (1.1 to 1.7) 7, 600, 665.00 5, 742, 509.00 4, 699, 281.00 1.1 Paid up Capital 709, 501.00 556, 013.00 374, 000.00 1.2 Reserve and Surplus 265, 198.00 174, 706.00 152, 127.00 1.3 Debenture and Bond1.4 Borrowings - - - 1.5 Deposits (a+b) 6, 358, 741.00 4, 826, 028.00 4, 015, 480.00

a. Domestic Currency 6, 358, 741.00 4, 826, 028.00 4, 015, 480.00 b. Foreign Currency

1.6 Income Tax Liability 69, 971.00 42, 790.00 44, 025.00 1.7 Other Liabilities 197, 254.00 142, 972.00 113, 649.00 2 Total Assets (2.1 to 2.7) 7, 600, 665.00 5, 742, 509.00 4, 699, 281.00 2.1 Cash and Bank Balance 534, 232.00 345, 831.00 347, 072.00 2.2 Money at Call and Short Notice 1, 314, 428.00 771, 589.00 708, 633.00 2.3 Investments 38, 721.00 38, 721.00 30, 899.00 2.4 Loans and Advances (a+b+c+d+e) 5, 503, 434.00 4, 398, 471.00 3, 496, 404.00

a. Real Estate Loan 130, 308.00 98, 648.00 119, 733.00 1. Residential Real Estate Loan (Except Personal Home Loan upto Rs. 1 crore) 14, 147.00 14, 147.00 29, 759.00 2. Business Complex & Residential Apartment Construction Loan3. Income generating Commercial Complex Loan 39, 503.00 51, 180.00 38, 199.00 4. Other Real Estate Loan (Including Land purchase & Plotting) 76, 658.00 33, 321.00 51, 775.00 b. Personal Home Loan of Rs. 1 crore or Less 1, 051, 460.00 946, 172.00 649, 663.00 c. Margin Type Loand. Term Loan 1, 024, 768.00 789, 248.00 531, 261.00 e. Overdraft Loan/ TR Loan/ WC Loan 1, 741, 082.00 1, 271, 808.00 1, 149, 954.00 f. Others 1, 555, 816.00 1, 292, 595.00 1, 045, 793.00

2.5 Fixed Assets 66, 948.00 56, 286.00 50, 233.00 2.6 Non Banking Assets2.7 Other Assets 142, 902.00 131, 611.00 66, 040.00 3 Profit and Loss Account3.1 Interest Income 667, 892.00 404, 730.00 465, 012.00 3.2 Interest Expenses 326, 786.00 193, 320.00 244, 665.00 A. Net Interest Income (3.1 to 3.2) 341, 106.00 211, 410.00 220, 347.00 3.3 Fees Commission and Discount 8, 490.00 4, 412.00 5, 664.00 3.4 Other Operating Income 60, 846.00 40, 582.00 55, 638.00 3.5 Foreign Exchange Gain/ Loss (Net)B. Total Operating Income (A+3.3+3.4+3.5) 410, 442.00 256, 404.00 281, 649.00 3.6 Staff Expenses 64, 894.00 36, 154.00 46, 511.00 3.7 Other Operating Expenses 71, 905.00 45, 384.00 49, 851.00 C. Opereting Profit before Provision (B-3.6-3.7) 273, 643.00 174, 866.00 185, 287.00 3.8 Provision For Possible Losses 17, 889.00 18, 661.00 24, 103.00 D. Operating Profit (C-3.8) 255, 754.00 156, 205.00 161, 184.00 3.9 Non-Operating Income/ Expenses (Net) 705.00 691.00 242.00 3.1 Write Back of Provision For Possible LossE. Profit From Regular Activities (D+3.9+3.10) 256, 459.00 156, 896.00 161, 426.00 3.11 Extra Ordinary Income/ Expenses (Net)F. Profit Before Bonus and Taxes (E+3.11) 256, 459.00 156, 896.00 161, 426.00 3.12 Provision For Staff Bonus 23, 324.00 14, 263.00 14, 675.00 3.13 Provision For Tax 69, 971.00 42, 790.00 44, 025.00 G. Net Profit/ Loss (F-3.12-3.13) 163, 164.00 99, 843.00 102, 726.00

4 RatiosAs at End of This

QuarterAs at End of

Previous Quarter

As at End of Corresponding

Previous Year Quarter4.1 Capital Fund to RWA 15.76% 14.97% 13.84%4.2 Non Performing Loan (NPL) to Total Loan 0.24% 0.57% 0.10%4.3 Total Loan Loss Provision to Total NPL 486.25% 228.87% 1089.67%4.4 Cost of Funds 6.18% 5.87% 6.84%4.5 Credit to Deposit Ratio (Calculated as per NRB Directives) 75.08% 79.20% 76.99%

Unaudited Financial Results (Quarterly) As at Fourth Quarter (2072/ 03/ 31) of the Fiscal Year 2071/ 72

cg';'rL 4=cRs in ‘000

57

Unaudited Financial Results (Quarterly)As at First Quarter (30/ 06/ 2072) of the Fiscal Year 2072/ 2073

Rs. in '000'

S.

No.Particulars

This Quarter

Ending

Previous

Quarter Ending

Corresponding

Previous Year Quarter

Ending 1 Total Capital & Liabilities (1.1 to 1.7) 7939238.00 7600665.00 4943349.00

1.1 Paid-up Capital 709501.00 709501.00 374000.001.2 Reserves and Surplus 294253.00 265198.00 178893.001.3 Debenture and Bond1.4 Borrowings 0.00 0.00 0.001.5 Deposits (a+b) 6592322.00 6358741.00 4196852.00

a. Domestic Currency 6592322.00 6358741.00 4196852.00b. Foreign Currency

1.6 Income Tax Liabilities 82355.00 69971.00 55497.001.7 Other Liabilities 260807.00 197254.00 138107.002 Total Assets (2.1 to 2.7) 7939238.00 7600665.00 4943349.00

2.1 Cash & Bank Balance 687247.00 534232.00 333064.002.2 Money at call and short Notice 1006128.00 1314428.00 658724.002.3 Investments 38721.00 38721.00 30899.002.4 Loans & Advances (a+b+c+d+e+f) 5930763.00 5503434.00 3741989.00

a. Real Estate Loan 167345.00 130308.00 123429.001. Residential Real Estate Loan (Except Personal Home Loan upto Rs 10 million) 14147.00 14147.00 29346.002. Business Complex & Residential Apartment Construction Loan3. Income generating Commercial Complex Loan 104434.00 39503.00 53294.004. Other Real Estate Loan (Including Land Purchase & Plotting) 48764.00 76658.00 40789.00b. Personal Home Loan of Rs. 10 million or less 1195477.00 1051460.00 755271.00c. Margin Type Loand. Term Loan 1189137.00 1024768.00 567244.00e. Overdraft Loan / TR Loan / WC Loan 1807639.00 1741082.00 1151806.00f. Others 1571165.00 1555816.00 1144239.00

2.5 Fixed Assets 79722.00 66948.00 49848.002.6 Non Banking Assets2.7 Other Assets 196657.00 142902.00 128825.00

3 Profit and Loss Account Upto This Quarter

Ending

Upto Previous

Quarter Ending

Upto Corresponding

Previous Year Quarter

Ending 3.1 Interest income 175402.00 667892.00 125696.003.2 Interest Expense 95859.00 326786.00 63346.00A Net Interest Income (3.1-3.2) 79543.00 341106.00 62350.00

3.3 Fees Commission and Discount 1731.00 8490.00 11669.003.4 Other Operating Income 17087.00 60846.00 1325.003.5 Foreign Exchange Gain/ Loss (Net)B Total Operating Income (A+3.3+3.4+3.5) 98361.00 410442.00 75344.00

3.6 Staff Expenses 21566.00 64894.00 12855.003.7 Other Operating Expenses 21571.00 71905.00 14028.00C Operating profit Before Provision (B-3.6-3.7) 55224.00 273643.00 48461.00

3.8 Provision for Possible Loss 9404.00 17889.00 6226.00D Operating profit (C-3.8) 45820.00 255754.00 42235.00

3.9 Non Operating Income/ Expenses (Net) 0.00 705.003.10 Write Back of Provision for Possible Loss

E Profit From Regular Activities (D+3.9+3.10) 45820.00 256459.00 42235.003.11 Extraordinary Income/ Expenses (Net)

F Profit Before Bonus and Taxes (E+3.11) 45820.00 256459.00 42235.003.12 Provision For Staff Bonus 4165.00 23324.00 3839.003.13 Provision For Tax 12496.00 69971.00 11519.00

G Net Profit/ Loss (F-3.12 -3.13) 29159.00 163164.00 26877.00

4 Ratios At the End of This

Quarter

At the End of

Previous Quarter

At the End of

Corresponding Previous

Year Quarter 4.1 Capital Fund to RWA 15.45% 15.76% 13.43%4.2 Non Performing Loan (NPL) to Total Loan 0.31% 0.24% 0.45%4.3 Total Loan Loss Provision to total NPL 405.48% 486.25% 265.83%4.4 Cost of Funds 5.76% 6.18% 5.98%4.5 CD Ratio (Calculated as per NRB Directives) 78.11% 75.08% 78.79%4.6 Base Rate 10.25% 11.16% 10.22%4.7 Interest Spread 6.79% 6.89%

Note: 1. Unaudited financial figures are subject to change from Supervisory Authority and Statutory Audit. 2. Corresponding previous period figures of Garima Bikas Bank Ltd. (before merger with Nilgiri Bikas Bank Ltd.) is only shown as comparative.

58

59

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lgb] { zg g+=1 ;DaGwdf M lgb] { zg adf] lhd ul/ g] % .lgb] { zg g+=2 ;DaGwdf M lgb] { zg adf] lhd ul/ g] % . lgb] { zg g+=3 ;DaGwdf M lgb] { zg adf] lhd ug{ Aoj: yfkgnfO{ lgb] { zg lbOPsf] % .lgb] { zg g+=9 ;DaGwdf M cfGtl/ s n] vfk/ LIfs, afXo n] vfk/ LIfs tyf g] kfn / fi^« a} +saf^ ;do ;dodf cf} +NofOPsf

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60

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bkmf g+= ;fljssf] Joj: yf ;+zf] lwt Joj: yf;+zf] wg ug{ ' k/ ] sf]

sf/ 0f

% -s_ ljsf; a} +ssf] clws[ t k"FhL ? !)), )), )), )))÷– -cIf/ ] kL Ps cj{ dfq_ x'g] 5 . ;f] k"FhLnfO{ k|lt z] o/ ?= !))÷– sf b/ n] !)), )), ))) -Ps s/ f] 8 dfq_ yfg ;fwf/ 0f z] o/ df ljefhg ul/ Psf] 5 .

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ljsf; a} +ssf] tTsfn hf/ L k"FhL ? *%, #@, )), )))÷–-cIf/ ] kL krf;L s/ f] 8 aQL; nfv ?k} ofF dfq_ x'g] 5 . h;nfO{ k|lt z] o/ ?= !))÷– sf b/ n] *%, #@, ))) -krf;L nfv aQL; xhf/ dfq_ yfg ;fwf/ 0f z] o/ df ljefhg ul/ Psf] 5 . @) k|ltzt af] g; z] o/

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61

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2 >LdtL sljtf >] i& jflnª, 3

3 k|] d gf/ fo)f cof{ n lvn'ª b] p/ fnL, 9

4 cd[ t e§/ fO{ huqb] jL, 9

5 lktfDa/ >] i& %fª%fªbL, 3

6 dfwj k|;fb pkfWofo jflnª, 1

7 lbks / fh sfkm\n] wg'jfª;] , 6

8 vu] Gb| cof{ n jflnª, 3

9 b"uf{ k|;fb pkfWofo s] j/ ] , 8

10 lblnk k|tfk vf“* jflnª, 3

11 af;"b] a kf} *] n jfªl;+ª, 3

12 ;fu/ aufn] jflnª, 3

13 ljgf] b k|;fb / ] UdL lvn'ª b] p/ fnL, 4

14 lhtdfg >] i& bfl;{ ª bxy'd, 1

15 v] d/ fh cof{ n k'tnLahf/ , 13

16 nId)f !jfnL cfgGbjg, 3

17 bLks nD;fn cfgGbjg, 4

18 !fg k|;fb / ] UdL lvn'ª b] p/ fnL, 3

19 !fg k|;fb cof{ n k'tnLahf/ , 10

20 *f=emns/ fd cof{ n k'tnLahf/ , 10

21 xl/ rGb| / ] UdL kf} j} uf} +*] , 2

22 u+uf axfb'/ hL=;L jf*u+uf, 1

23 yfg k|;fb e§/ fO{ a'^jn, 10

24 lzj k|;fb cof{ n ch'{ g rf} kf/ L, 4

25 lu/ Lwf/ L kf} *] n k'tnLahf/ , 13

26 u)f] z k|;fb cof{ n jflnª, 3

27 efg axfb'/ ;] g jflnª, 2

28 ofba s'df/ >] i& jflnª, 5

29 a;Gt s'df/ dNn jflnª, 3

30 >LdtL hd'gf sfkm\n] jflnª, 8

31 s[ i)f k|;fb >] i& jflnª, 3

32 ;'bg >] i& jflnª, 1

33 ljgf] b s'df/ >] i& jflnª, 3

qm=;+= z] o/ wgLsf] gfd 7] ufgf

34 l;tf/ fd clwsf/ L jflnª, 3

35 k')f{ axfb'/ yfkf jflnª, 9

36 Zofd k|;fb a: ofn huqb] jL, 8

37 ;'o{ k|;fb rfkfufO{ ksjfbL, 1

38 k')f{ k|;fb clwsf/ L k] nfsf] ^, 1

39 gf/ fo)f vgfn huqb] jL, 8

40 k] |d/ fh >] i& huqb] jL, 8

41 k] ] |d axfb'/ u'?ª s] j/ ] , 8

42 emg k|;fb e§/ fO{ z+s/ gu/ , 3

43 >LdtL sdnf k+u] gL jflnª, 3

44 uf] ljGb sdf{ rf{ o bfl;{ ª bxy'd, 2

45 s)f{ axfb'/ >] i& jflnª, 3

46 lji)f' k|;fb sfkm\n] wg'jf;] , 8

47 ;Gt axfb'/ k/ fh'nL ef] n] { ^f/ , 1

48 k|] d axfb'/ lh=;L= ;/ fªsf] ^, 4

49 kjg s'df/ k|hfklt eQmk"/ , 14

50 rGb|sfGt a/ fn k'DbLe'DbL, 3

51 >LdtL a;'Gw/ f ltd;] gf ebf} / ] tdfuL, 5

52 / dfsfGt a/ fn kf] v/ f, 7

53 >LdtL eujtL b] jL ksjfbL, 4

54 b'uf{ axfb'/ u'?ª k'DbLe'DbL, 6

55 %lj nfn s'j+/ lkl*vf] nf, 3

56 b"uf{ k|;fb kf)*] lj#f{ , 6

57 / #"klt nD;fn lrGg] jf;, 7

58 n] vgfy e§/ fO{ huqb] jL, 9

59 gf/ fo)f k|;fb >] i& bfl;{ ª bxy'd, 9

60 lj/ ] Gb| axfb'/ / fgf jflnª–3

61 gf/ fo)fL kxf/ L kf] v/ f, 6

62 lagf] b kf)*] o 3, lk*Lvf] nf

63 a'l$dfg u'?ª 9, gofk'n

64 x'dsfGt sf] O/ fnf 4, jflnª

65 slj/ fh cfrfo{ 17, a} bfd

66 v*fgGb zdf{ 15, kf] v/ f

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62

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68 s[ i)f k|;fb ltjf/ L 3, afln~

69 ;"dg nfld%fg] 13, k'tnLahf/

70 / fd k|;fb >] i& 9, ao/ #f/ L

71 / ] ZdLnfn sf] O/ fnf 4, jflnª

72 xl/ s"df/ >] i& a] gL–6, DofUbL

73 *f= e'k] Gb|axfb"/ v*\sf a] gL–7, DofUbL

74 lbk] Gb| >] i& a] gL–6, DofUbL

75 dfwjk|;fb / ] UdL a] gL–12, DofUbL

76 ohgnfn zfSo a] gL–7, DofUbL

77 ofdaxfb"/ zfSo a] gL–6, DofUbL

78 lzjk|;fb s^"jfn eujlt–4, DofUbL

79 z"esfdgf k|wfg >] i& a] gL–6, DofUbL

80 xl/ s[ i)f >] i& a] gL–6, DofUbL

81 / ] zdaxfb"/ aflgof“ a] gL–6, DofUbL

82 e/ ts"df/ / fhe)*f/ L a] gL–6, DofUbL

83 / ljGb| / fh hf] zL a] gL–6, DofUbL

84 z] / axfb"/ a"(fyf] sL b] lj: yfg–3, DofUbL

85 / fdaxfb"/ xdfn a] gL–6, DofUbL

86 czf] s s"df/ >] i& bxy"d uf=lj=;=–1, : ofª\hf

87 eujlt bjf*L Njfª#n] n uf=lj=;=–4, sf: sL

88 lr/ lGhlj sfkm\n] jflnª g=kf=–8, : ofª\hf

89 lrqf v*\sf nlntk"/ –3, nlntk"/

90 OGb|f e"iffn : j/ ] s uf=lj=;=–3, : ofª\hf

91 OGb|k|;fb clwsf/ L k] nfsf] ^ uf=lj=;=–9, : ofª\hf

92 hd"gfb] jL kf} *] n k+rgu/ –2, gjnk/ f;L

93 lhjgs"df/ dNn jflnª g=kf=–4, : ofª\hf

94 sljtf / fgf jflnª g=kf=–1, : ofª\hf

95 sdnk|;fb >] i& cy"{ ∙] –2, DofUbL

96 n] vgfy cof{ n jflnª g=kf=–11, : ofª\hf

97 lnnfgf/ fo)f >] i& jflnª g=kf=–5, : ofª\hf

98 d] g"sf zdf{ cf?rf} / –5, : ofª\hf

99 gfdb] j e§/ fO{ t"n;L e~Hofª–4, : ofªh\f

100 lgn" yfkf nlntk"/ –5, nlntk"/

101 k|df] b >] i& cy"{ ∙] –2, DofUbL

102 / hgL >] i& cy"{ ∙] –2, DofUbL

103 / fddfof >] i& k"nfrf} / –2, DofUbL

104 l/ lv/ fd a: ofn huqb] jL–8, : ofª\hf

105 l/ gf d;f{ gL kf] v/ f–8, sf: sL

106 ;"Gb/ s"df/ >] i& cy"{ ∙] –2, DofUbL

107 ;'o{ k|;fb / ] UdL jflnª g=kf=–3, : ofª\hf

108 ofbj e§/ fO{ huqb] jL–9, : ofª\hf

109 ;'o{ k|;fb e§/ fO{ huqb] jL–9, : ofª\hf

110 k|lbks'df/ ?∙^f aL/ u+h–7, k;f{

111 clDasf ;'j] bL km] bLvf] nf–7, : ofª\hf

112 o"Qm/ fh vgfn t"n;Le~Hofª–7, : ofª\hf

113 s[ i)fk|;fb kf} *] n b/ f} +–03, : ofª\hf

114 lnnfjNnf} e§/ fO{ huqb] jL–9, : ofª\hf

115 bofk|;fb e§/ fO{ huqb] jL–9, : ofª\hf

116 ;'o{ gf/ fo)f >] i& Jflnª g=kf–1, : ofª\hf

117 sdnfb] jL vgfn t"n;Le~Hofª–7, : ofª\hf

118 / fh" ljZjsdf{ rfkfsf] ^–5, : ofª\hf

119 b] j/ fh cfrfo{ kf] v/ f–17, sf: sL

63

16%

15%

20%16%

12%

0%5%

1%

2%0%

0%

0%

0% 0%

2%

0%7%

3%

0%

Headwise Loans & AdvancesAs on Ashad End, 2072

Personal Overdraft Loan Business Overdraft Loan Housing Loan Hire Purchase Loan

Personal Term Loan Service Loan Business Term Loan Loan against FDR

Real Estate Loan Foreign Employment Loan Working Capital Loan Industrial Loan

Social Loan Demand Loan Agriculture Loan Education Loan

Gold & Silver Loan Deprived Sector Loan Micro Enterprises Loan

2%

20%

58%

20%

Headwise DepositsAs on Ashad End, 2072

Current Account Call Account

Saving Account Fixed Account

63


64

-

50,000,000.00

100,000,000.00

150,000,000.00

200,000,000.00

250,000,000.00

F/Y 2067-68 F/Y 2068-69 F/Y 2069-70 F/Y 2070-71 F/Y 2071-72

Trend of Operating Profit over Last 5 Years

Particulars F/Y 2067-68 F/Y 2068-69 F/Y 2069-70 F/Y 2070-71 F/Y 2071-72Deposits 1,437,979,590.29 2,150,952,067.46 2,997,497,500.66 4,015,479,641.66 6,358,593,057.80 Loans & Advances 1,171,586,995.10 1,673,096,981.45 2,421,515,196.82 3,496,403,793.47 5,503,431,716.79

-

1,000,000,000.00

2,000,000,000.00

3,000,000,000.00

4,000,000,000.00

5,000,000,000.00

6,000,000,000.00

7,000,000,000.00

F/Y 2067-68F/Y 2068-69

F/Y 2069-70F/Y 2070-71

F/Y 2071-72

Trend of Deposits and Loans & Advances over Last 5 Years

64


65

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gf] 6 M …………………………………………………………………………………………………………………

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