k|ltlglws;l -k|f] lgo'qm ug]{lgj] bg kmf/d...4 ;fwf/ 0f ;ef ;dagwl cgo hfgsf/ l!= jflif{s...

cf=j= @)&$÷&%

l;= g+= ljifo k] h g+=

! k|ltlglw -k|f] S;L_ kmf/ d !

@ jflif{s ;fwf/ 0f ;ef ;DalGw k|:tfjx¿ tyf hfgsf/ L #–$

# k|aGw kq / lgodfjnLdf ;+zf] wg %

$ ;~rfns ;ldtsf tkm{af6 cWoIfåf/ f k|:t't k|ltj] bg ^–!%

% n] vfk/ LIfssf] k|ltj] bg !^–!&

^ jf;nft !*

& gfkmf gf] S;fg lx;fa !(

* gfkmf gf] S;fg af“8kmf“8 lx;fa @)

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

!) gub k|jfx ljj/ 0f @@

!! cg';"rLx¿ @#–%$

!@ n] vf ;DalGw dxTjk"0f{ gLltx¿ %%

!# n] vf ;DalGw l6Kk0fLx¿ %&

!$ g] kfn / fi6« a}+saf6 ljQLo ljj/ 0f :jLs[lt ubf{ lbPsf lgb] {zgx¿ ^$

!% g] kfn / fi6« a}+saf6 lbPsf lgb] {zg pk/ ;~rfns ;ldltsf] k|ltlqmof ^%

!^ gf] 6 ^^

cf=j= @)&$÷&% 1

k|ltlglw -k|f] S;L_ lgo'Qm ug] { lgj] bg kmf/ d

>L ;~rfns ;ldlt

ltgfp ljsf; a}+s lnld6] 8

a'6jn–^, xl:k6nnfOg

ljifoM k|ltlglw lgo'Qm u/ ] sf] af/ ] .dxfzo,

======================= lhNnf =============================== d=dxf=g=kf=÷pk=d=g=kf=÷uf=kf= j8f g+= ===========a:g] d÷xfdL ======================================== n] To; a}+ssf] z] o/ jfnfsf] x}l;otn] ========= ;fn =============== ut] =================== lbgx'g] ;fwf/ 0f ;efdf :jod\ pkl:ylt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf] n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu ========================== lhNnf ============ g=kf=÷uf=lj=;= j8f g+======== a:g] To; sDkgLsf z] o/ jfnf >L ===================================== lxtu|flx g+=÷z] o/ wgL g+==================================nfO{ d] / f] ÷xfd|f] k|ltlglw dgf] lgt u/ L k7fPsf 5'÷5f}+ .

lgj] bs b:tvt M b:tvt M

gfd M k|ltlglwsf] gfdM 7] ufgf M lxtfu|flx g+=÷z] o/ wgL g+= M z] o/ ;+Vof M ldlt M @)&%==============

b|i6JoM of] lgj] bg ;fwf/ 0f ;ef x'g'eGbf $* 306f cufj} o; a}+ssf] s] lGb|o sfof{nodf k] z ul/ ;Sg' kg] {5 .

k|j] z–kq z] o/ wgLsf] gfdM z] o/ wgL g+=÷lxtfu|flx g+=M z] o/ wgLsf] ;xLM z] o/ ;+VofM

ldlt @)&% ;fn ======= dlxgf =========== ut] =============af/ sf lbg x'g] ltgfp ljsf; a}+s lnld6] 8sf] P3f/f}+ jflif{s ;fwf/ 0f ;efdf pkl:yt x'g hf/ L ul/ Psf] k|j] z kq .

b|i6JoM z] o/ wgL cfkm}n] vfnL 7fp“x¿ eg'{ xf] nf . ;ef sIfdf k|j] z ug{ of] k|j] z–kq clgjfo{ x'g] 5 .

================================ sDkgL ;lrj

cf=j= @)&$÷&% 3

;~rfns ;ldltsf] cf1fn]

sDkgL ;lrj

afx|f}+ jflif{s ;fwf/ 0f ;ef ;DaGwL ;"rgf k|sflzt ldltM @)&%÷)*÷!$

o; a}+ssf] ldltM @)&%.)*.)@ ut] a;]sf] ;~rfns ;ldltsf] @@* cf}+ a}7ssf] lg0f{ofg';f/ lgDg lnlvt ljifo pk/ 5nkmn u/L lg0f{o ug{ o; a}+ssf] afXf}+ jflif{s ;fwf/0f ;ef lgDg ldlt, ;do / :yfgdf a:g] ePsf] x'+bf ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ pkl:yltsf] nflu cg'/f]w ub{5' .

;ef a:g] ldlt, ;do / :yfgldlt M @)&%.)(.)& ut] (22 Dec., 2018) zlgaf/ .;do M (=)) ah] .:yfg M xf]6n Sna 8]gf]ef] k|f=nL= -a'6jn (, sflnsfgu/, ?kGb]xL _

5nkmnsf ljifox?s_ ;fdfGo k|:tfjx?M!_ ;~rfns ;ldtLsf] tkm{af6 cWoIfHo"sf] jflif{s k|lta]bg k|:t't / ;f] pk/ 5nkmn ul/ kfl/t ug]{ ;DaGwdf .@_ cf=j= )&$÷&% sf] n]vf kl/If0f k|lta]bg, @)&% cfiff9 d;fGt ;Ddsf] jf;nft, gfkmf gf]S;fg tyf gub

k|jfx ljj/0f tyf cg';'lrx?df 5nkmn ul/ kfl/t ug]{ ;DaGwdf .#_ cf=j= )&%÷&^ sf] n]vf kl/Ifssf] lgo'lQm ug]{ / lghsf] kfl/>lds tf]Sg] ;DaGwdf . -xfnsf] n]vf kl/Ifs PgljP;Pd P08 Pzf]l;P6\;sf rf6{8 Psfp06]06 gLn ;f? k'gM lgo'lQmsf] nflu of]Uo

x'g'x'G5 ._$_ ;+rfns ;ldltn] k|:tfj u/] adf]lhd nfef+z s/ k|of]hgsf] nflu /sd ?= #@,)!,^($.!( -cIf/]kL aQL; nfv

Ps xhf/ 5 ;o rf}/fgJj] / k};f pGgfO; dfq _ gub nfef+z :jLs[t ug]{ ;DaGwdf .%_ ;j{;fwf/0f z]o/wgLsf] tkm{af6 @ -b'O_ hgf ;+rfnsx?sf] lgjf{rg ug]{ ;DaGwdf .v_ ljz]if k|:tfjx?M!_ ;+rfns ;ldltn] k|:tfj u/] adf]lhd r'Qmf k'+hLsf] !@ k|ltztsf b/n] x'g] /sd ?= ^,)*,#@,!*(.^( -cIf/]kL

5 s/f]8 cf7 nfv aQL; xhf/ Ps ;o pgfGgJj] / k};f pgG;Q/L dfq_ af]g; z]o/ :jLs[t ug]{ ;DaGwdf . @_ hf/L k"+hL / r'Qmf k"+hL a[l4 ug]{ ;DaGwdf .#_ pko'Qm cGo a}+s tyf ljQLo ;+:yf;+u Ps cfk;df ufEg]÷ufleg] -Merger_, k|fKtL÷;dflxt -Acquisition_ x'g]

k|of]hgsf nflu pko'Qm a}+s tyf ljQLo ;+:yfsf] klxrfg ug]{, ;xdtL kq -Memorandum Of Understanding_ df x:tfIf/ ug]{, ;}4flGts :jLs[tLsf] nflu g]kfn /fi6« a}+sdf lgj]bg lbg], ;DklQ tyf bfoLTjsf] d"NofÍg -Due Deligence Audit_ ug{ k/fdz{bftf, d"NofÍgstf{ n]vf kl/Ifs lgo'Qm ug]{ / gLhsf] kfl/>lds tf]Sg] tyf o; sfo{;+u ;DalGwt cfjZos ;Dk"0f{ sfo{ ug{sf nflu ;+rfns ;ldlt tyf ;+rfns ;ldltn] tf]s]sf] JolQmnfO{ clVtof/L lbg] ;DaGwdf .

$_ k|aGw kq / lgodfjnLsf ljleGg bkmf tyf lgodx?df cfjZos ;+zf]wg / kl/dfh{g ug]{ k|:tfj kf/Lt ug]{ tyf pQm ;+zf]wg / kl/dfh{gdf lgodgsf/L lgsfoaf6 :jLs[t u/fpgsf] nfuL cfjZostf cg';f/ ;f]df yk36, kl/dfh{g ;+zf]wg tyf ;Rofpgsf] nflu ;~rfns ;ldtLnfO{ clVtof/L lbg] .

u_ laljw . k'gZrM o; ;fwf/0f ;efdf pkl:yltsf] nflu z]o/wgL dxfg'efjx?nfO{ lgdGq0ff s'l/o/ tyf a}+ssf] sd{rf/L dfkm{t

k7fOPsf]df sy+sbflrt z]o/wgL dxfg'efjx?n] lgdGq0ff k|fKt gug'{ ePdf o;} ;"rgfnfO{ cfwf/ dfgL pQm lbg ;fwf/0f ;efdf pkl:yltsf] nflu xflb{s cg'/f]w ub{5f}+ .

cf=j= @)&$÷&%4

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

!= jflif{s ;fwf/)f ;efnfO{ Wofgdf /fvL ldltM 2075.08.24 ut] a}+ssf] z]o/ bflvn vf/]h btf{ aGb /xg] % . g]kfn :^s PS;r]~h lnld^]*df ldltM 2075.08.23 ut] ;Dd sf/f]af/ eO sfod z]o/wgLx?n] dfq ;efdf efu lng kfpg] %g\ .

2= jflif{s ;fwf/)f ;efdf efu lng cfpg] z]o/wgL dxfg'efjx?n] z]o/wgL g+=, l*Dof^ vftf g+= jf kl/ro v'Ng] k|df)f jf ;f]sf] k|ltlnlk clgjfo{ ?kdf ;fydf lnO{ cfpg' x'g cg'/f]w % .

3= z]o/wgL dxfg'efjx?sf] pkl:yltsf nflu z]o/wgL pkl:ylt k"l:tsf laxfg 08=00 ah] b]lv ;ef rfn' /x];Dd v'Nnf /xg]% .

4= ;fwf/)f ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] k|rlnt sDkgL sfg'gn] tf]s]sf] (f+rfdf k|ltlglwkq -k|f]S;L_ kmf/d e/L ;ef z'? x'g'eGbf sDtLdf 48 #)^f cufj} cyf{t ldltM 2075.09.05 ut] 09 ah] leq a}+ssf] s]lGb|o sfof{no, xl:k^n nfOg, a'^jndf btf{ u/fO{ ;Sg'kg]{% . a}+ssf] z]o/wgL afx]s c?nfO{ k|f]S;L lbg kfOg] %}g, o;/L lbPsf] k|f]S;L ab/ x'g]% .

5= Ps hgf z]o/wgLn] PseGbf a(LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df ;a} k|ltlglw -k|f]S;L_ :jtM ab/ x'g]% . t/ k|ltlglw -k|f]s;L_ lgo'Qm ul/;s]kl% ;DalGwt z]o/wgLn] k|ltlglw km]/abn ug{ rfx]df o; cl# lbPsf] k|ltlglwkq -k|f]S;L_ ab/ u/L of] k|ltlglwkq -k|f]S;L_ nfO{ dfGotf lbOof];\ eGg] %'^\^} kq ;lxt k|f]S;L kmf/d a}+ssf] s]lGb|o sfof{nodf ;ef z'? x'g'eGbf sDtLdf 48 #)^f cufj} btf{ u/fPsf] cj:yfdf cl#Nnf] k|ltlglwnfO{ :jtM ab/ ePsf] dfgL kl%Nnf] k|ltlglw -k|f]S;L_ nfO{ dfGotf lbOg]% .

6= a'+bf 4 / 5 pNn]lvt lbg ;fa{hlgs ljbf k/]df ;d]t ;f] k|of]hgsf] nflu a}+ssf] s]lGb|o sfof{no, sfof{no ;dodf v'Nnf /xg]% .

7= k|ltlglw lgo'Qm ul/;s]sf] z]o/wgL cfkm} ;efdf pkl:yt eO xf+lh/L k"l:tsfdf b:tvt u/]df lghn] lbPsf] k|ltlglw -k|f]S;L_ :jtM ab/ x'g]% .

8= PseGbf al( JolQmx?sf] ;+o'Qm gfddf z]o/ btf{ /x]sf] cj:yfdf ;j{;Ddtaf^ k|ltlglw rog ul/Psf] Pshgfn] dfq jf z]o/wgLsf] btf{ lstfadf klxnf] gfd pNn]v ePsf] JolQmn] ;efdf efu lng ;Sg]%g\ .

9= o; ljsf; a}+ssf] ;+rfns ;ldltdf ;j{;fwf/)f z]o/wgLsf] k|ltlglwTj ug]{ ;+rfns 2 -b'O{_ hgfsf] lgjf{rg ;DaGwL sfo{qmd lgjf{rg clws[tn] tf]s] jdf]lhd s]lGb|o sfof{nosf] lgjf{rg clws[tsf] sfof{nodf ;"rgf ^f+; ul/g]% .

10= gfafns jf dfgl;s ;Gt'ng &Ls gePsf] z]o/wgLx?sf] tkm{af^ a}+ssf] z]o/ nut btf{ lstfadf ;+/Ifssf] ?kdf gfd btf{ eO/x]sf dxfg'efjx?n] ;efdf efu lng, dtbfg ug{ jf k|ltlglw tf]Sg ;Sg' x'g]% .

11= z'/Iffsf] b[li^sf])fn] z]o/wgL dxfg'efjx? ;ef :yndf cfp+bf emf]nf, Jofu h:tf a:t'x? glnOcfpg'x'g cg'/f]w % . cfjZos b]lvPdf z'/IffsdL{n] r]s hf+r ug{ ;Sg] x'+bf ;f] sfo{df ;xof]u ul/lbg'x'g ;d]t cg'/f]w ul/G% .

12= ;fwf/)f ;ef ;DaGwL yk hfgsf/L cfjZos k/]df sfof{no ;doleq a}+ssf] s]lGb|o sfof{no, a'^jn 6, xl:k^nnfOg, ?kGb]xLdf ;Dks{ /fVg'x'g ;d]t cg'/f]w ul/G% .

cf=j= @)&$÷&% 5

ltgfp ljsf; a}+s lnld6]8sf]k|aGwkqdf z+;f]wg ug{ afx|f}+ jflif{s ;fwf/0f ;efdf laz]if k|:tfjdf k]z ul/Psf] ltg dxn]

qm=;+= xfn ePsf] z+;f]wg s}lkmot!=

@=

#=

ltgfp ljsf; a}+s lnld6]8sf]

lgodfjnLdf z+;f]wg ug{ ax|f}+ jflif{s ;fwf/0f ;efdf laz]if k|:tfjdf k]z ul/Psf] ltg dxn]

qm=;+= xfn ePsf] z+;f]wg s}lkmot!=

bkmf @= ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no /xg] 7]ufgfM o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no -/lhi68{ sfof{no_ ?kGb]xL lhNnfsf] a'6jn pk–dxfgu/kfnLsf j8f g+= ^ df /xg]5 .o; ljQLo ;+:yfsf] ef}uf]lns sfo{If]q ?kGb]xL, gjnk/f;L / lrtjg lhNnf x'g]5 / ljQLo sf/f]af/ ug]{ d'Vo :yfg ?kGb]xL lhNnfsf] a'6jn gu/kfnLsf If]q leq x'g]5 . g]kfn /fi6« a}+ssf] :jLs[tL lnO{ o; ;+:yfn] pk/f]Qm lhNnfx?sf] gu/ Pj+ u|fdL0f If]qdf klg zfvf, pkzfvf jf cGo sfof{no vf]nL ljQLo sf/f]af/ ug{ ;Sg]5 .

lgod @= ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no /xg] 7]ufgfM o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no -/lhi68{ sfof{no_ ?kGb]xL lhNnfsf] a'6jn pk–dxfgu/kfnLsf j8f g+= ^ df /xg]5 .

lgod @= ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no /xg] 7]ufgfM o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no -/lhi68{ sfof{no_ ?kGb]xL lhNnfsf] a'6jn pk–dxfgu/kfnLsf j8f g+= $ df /xg]5 .

pQm :yfgdf a}+sn] cfkm\g} hUuf tyf ejg vl/b u/]sf]n] .

bkmf @= ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no /xg] 7]ufgfM o; ljQLo ;+:yfsf] s]Gb|Lo sfof{no -/lhi68{ sfof{no_ ?kGb]xL lhNnfsf] a'6jn pk–dxfgu/kfnLsf j8f g+= $ df /xg]5 .

o; ljQLo ;+:yfsf] ef}uf]lns sfo{If]q ?kGb]xL, gjnk/f;L -ab{3f6 ;':tf k"j{_, gjnk/f;L -ab{3f6 ;':tf klZrd_, lrtjg / kfNkf lhNnf x'g]5 . g]kfn /fi6« a}+sn] a}+s tyf ljQLo ;+:yfnfO{ hf/L ug]{ lgb]{zg jdf]lhd g]kfn /fi6« a}+ssaf6 :jLs[tL lnO{ jf glnO{ o; ;+:yfn] pk/f]Qm lhNnfx?sf] gu/ Pj+ u|fdL0f If]qdf klg zfvf, PS;6]G;g sfp06/, zfvf /lxt sfof{no, l;ldt a}lsË OsfO{ jf cGo sfof{no vf]nL ljQLo sf/f]af/ ug{ ;Sg]5 .

bkmf %-v_= o; ljQLo ;+:yfsf] hf/L k'+hL ?= %^,&&,^&,!)#.&^ -cIf?kL 5kGg s/f]8 ;txQ/ nfv ;t;¶L xhf/ Ps ;o tLg / k};f 5xQ/ _ dfq x'g]5 . ;f] k"+hLnfO{ k|lt z]o/ %^,&&,^&!=)$ -5kGg nfv ;txQ/ xhf/ 5 ;o PsxQ/ bzdna rf/_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

pQm :yfgdf a}+sn] cfkm\g} hUuf tyf ejg vl/b u/]sf]n] .

g]kfn /fi6« a}+saf6 hf/L lgb]{zg jdf]lhd sfo{If]q lj:tf/ ug{ kfpg] ePsf]n] .

af]gz z]o/ hf/L eO k"+hL a[l4 x'g] ePsf]n] .

af]gz z]o/ hf/L eO k"+hL a[l4 x'g] ePsf]n] .

bkmf %-u_= o; ljQLo ;+:yfsf] r'Qmf k'+hL ?= %^,&&,^&,!)#.&^ -cIf?kL 5kGg s/f]8 ;txQ/ nfv ;t;¶L xhf/ Ps ;o tLg / k};f 5xQ/_ dfq x'g]5 .

bkmf %-v_= o; ljQLo ;+:yfsf] hf/L k'+hL ?= %),^(,#$,(!$.)& -cIf?kL krf; s/f]8 pgG;Q/L nfv rf}lt; xhf/ gf} ;o rf}w / k};f ;ft_ dfq x'g]5 . ;f] k"+hLnfO{ k|lt z]o/ ? !)) sf b/n] %),^(,#$(=!$ -krf; nfv pgG;Q/L xhf/ tLg ;o pgGrf; bzdna rf}w_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

bkmf %-u_= o; ljQLo ;+:yfsf] r'Qmf k'+hL ?= %),^(,#$,(!$.)& -cIf?kL krf; s/f]8 pgG;Q/L nfv rf}lt; xhf/ gf} ;o rf}w / k};f ;ft _ dfq x'g]5 .

cf=j= @)&$÷&%6

ltgfp ljsf; a} +s lnld6] 8sf] afx|f}+ jflif{s ;fwf/ 0f ;efdf ;~rfns ;ldltsf] tkm{af6 cWoIfHo"åf/ f

k|:t't k|ltj] bgcfb/0fLo z]o/wgL dxfg'efjx?,

o; ltgfp ljsf; a}+s lnld6]8sf] !@ cf}+ jflif{s ;fwf/0f ;efdf ;xefuL x'g kfNg' ePsf ;Dk'0f{ z]o/

wgL dxfg'efjx?df ;~rfns ;ldlt tyf d]/f] JolQmut tkm{af6 xflb{s :jfut ;lxt clejfbg ub{5' . cfhsf] o;

ul/dfdo ;efdf oxfFx? ;dIf a}+ssf] !@ cf}+ jflif{s k|ltj]bg k|:t't ug{ kfpFbf xfdLnfO{ Hofb} v'zL nfu]sf] 5 .

;du| a}+lsË sf/f]jf/ tyf k|ult ljj/0f ;ldIff, efjL /0fgLlt, eflj sfo{qmdsf jf/]df oxfFx?sf] cd'No /fo ;Nnfx,

;'emfj, ;lxt o; ;fwf/0f ;efdf ;xeflutf hgfO{ ;bf em} ;f/e't ?kdf dfu{bz{g k|bfg ug{'x'g]5 eGg] ljZjf;

;lxt cfly{s jif{ )&$.&% df a}sn] xfl;n u/]sf] ;Dk'0f{ sf/f]jf/, xfl;n u/]sf] k|ult Pj+ pknlJw emNsfpg] @)&%

c;f/ d;fGtsf] jf;nft, ;f]xL cjlwsf] gfkmf gf]S;fg lx;fj, gfkmf gf]S;fg jfF8kmfF8 lx;fj, gub k|jfx ljj/0f,

cGo ljQLo ljj/0fsf cg';'lrx? / n]vf k/LIfssf] k|ltj]bg ;lxtsf] jflif{s k|ltj]bg cg'df]bgsf nflu ;ef ;dIf

k|:t't ug]{ cg'dlt rfxG5' .

!_ sf/f]af/sf] l;+xfjnf]sgM

o; ljsf; a}+ssf] ljQLo cj:yfx? / sf/f]af/sf] cj:yfnfO{ ljZn]if0f ubf{ ;ldIff cjlwsf] cfly{s jif{df

ePsf] k|ult / sf/f]af/nfO{ ;sf/fTs ?kdf ljZn]if0f ug{ ;lsg] cj:yf >[hgf ePsf] Joxf]/f z]o/wgL dxfg'efjx?df

hfgsf/L u/fpg rfxG5' .

o; ljsf; a}+ssf] t'ngfTds ljQLo cj:yf lgDgfg';f/ /x]sf] 5M

qm=;+= ljj/0f cf=j= )&#÷&$ cf=j= )&$÷&%

!= r'Qmf k"hL 46,08,49,921.88 50,69,34,914.07@= ;fwf/0f hu]8f sf]if 5,86,11,491.13 7,38,60,051.45#= lgIf]k ;+sng 3,89,78,04,849.68 4,91,57,64,863.94$= shf{ tyf ;fk6 3,24,61,69,637.90 3,93,02,30,197.92%= k|fylds k"+hLsf]if 15.68 13.04^= hDdf k"+hLsf]if 16.53 13.85&= Jofh cfDbfgL 43,55,19,945.00 56,03,24,815.14*= Jofh vr{ 22,97,10,346.48 37,73,20,339.36(= s'n cfDbfgL 47,60,15,787.57 62,39,05,413.16!)= s'n vr{ 37,76,60,552.03 54,76,62,611.57!!= ;~rfng cfDbfgL / -3f6f_ 14,27,89,583.56 9,26,62,107.84!@= v'b d'gfkmf / -gf]S;fg_ 9,83,55,235.54 7,62,42,801.59!#= shf{ gf]S;fgL Joj:yf 3,94,03,472.90 4,29,33,846.24

@_ /fli6«o tyf cGt{/fli6«o kl/l:yltaf6 a}+s sf/f]af/df k/]sf] k|efjM

d'n'sdf :yflgo tx, k|b]z ;ef / k|ltgLlw ;ef u/L tLg} txsf] lgjf{rg ;DkGg eO lgjf{lrt ;/sf/ u7g

eO{ ;s]sf] kl/k|]Ifdf ljutsf jif{x?sf] t'ngfdf ut cfly{s jif{x?df eGbf /fhg}lts cj:yf s]xL ;xh ePklg s]

cf=j= @)&$÷&% 7

lx l56k'm6 ?kdf k|lts'n cj:yf b]lvg] u/]sf] 5 ;fy} cfly{s cj:yf cfzf ul/Psf] h:tf] cg's'n /xg g;s]klg

@)&%.&^ df b]zsf] /fhg}lts, ;fdflhs, tyf cfly{s jftfj/0fdf ;'wf/ cfpg ;Sg] cj:yfn] a}lsË If]qdf ;'wf/

cfpg ;Sg] cj:yfdf cfzfjfbL /xg ;lsg] cj:yf ;[hgf ePsf] b]lvG5 . s[lif If]qdf ljBdfg ljleGg r'gf}tLsf

afah'b klg of] If]q d'n'ssf] cy{tGqsf] Ps dxTjk'0f{ c+usf] ?kdf /x]sf] 5 . s[lif If]qdf b]lvPsf] k/Dk/fut z}

nLnfO{ kl/dfh{g ub}{ cfw'lgsLs/0f / a}1flglss/0f ub}{ nu]df nufgL If]qdf cj;/ >[hgf x'g ;Sg] ;Defjgf ;d]t

b]lvg] cj:yf 5 . b]zsf] /fhg}lts, ;fdflhs tyf cfly{s l:y/tfaf6 cf}Bf]lus If]q klg nfeflGjt x'g] cg'dfg ug{

;lsG5 . ljsf;lzn d'n'sx?sf] cy{tGq $=* k|ltztn] j[l4 ePsf]df ;g\ @)!* df $=( k|ltztn] / ;g\ @)!( df

%=! k|ltztn] j[l4 x'g] k|If]k0f ul/Psf]n] o;n] g]kfnsf] cy{tGqdf ;d]t cg's'n k|efj kg]{ b]lvG5 .

#_ rfn' jif{sf] pknlJw / eflj sfo{qmd ;DjGwdf ;+rfns ;ldtLsf] wf/0ffM

o; ljj/0f tof/ ubf{sf] cjlw @)&% ;fn sflt{s d;fGt ;Dddf ?= %,)*,%&,^%,#@!=!# s'n lgIf]k

;++sng ul/ ?=$,@@,@@,%*,^##=%) s'n shf{ nufgL ug{ ;kmn ePsf] 5 .

o; ljsf; a}+sn] u|fxssf] rfxgfnfO{ ;dofg's'n k|fyldstf lbO{ cfk\mgf] a}+lsË sf/f]jf/ ub}{ cfO{/x]sf] 5 .

;do ;dodf ljleGg lsl;dsf cfsif{s lgIf]k of]hgf ;+rfngdf NofPsf] 5 . shf{ nufgLdf ljljwtf NofpFb} Jofkf/,

cfjf;, xfo/ kr]{h, z}lIfs /f]huf/ shf{ nufPt ljleGg pTkfbglzn If]qx? Hf:t} s[lif, ko{6g, ;fgf tyf demf}nf

pBf]u cflbdf shf{ nufgL ub}{ cfPsf] 5 .

u|fxsju{sf] ;'ljwfsf] nflu #^% lbg g} a}+lsË ;]jf lbg] pb]Zon] s]lGb|o sfof{no a'6jn xl:k6nnfO{g, zfvf

sfof{nox?, gf/fo0fu9, cd/fk'/L, sf]l6xjf, /fdfk'/, e}/xjf, of]lus'6L / j]njf; zfvfaf6 ATM ;]jf lbO/x]sf 5f}+ .

;fy,} a'6jn kfNkf/f]8df cjl:yt a}+ssf] cfkm\gf] ejgdf ;d]t ATM /fVg] u/L Joj:yf ul/Psf] 5 . yk Pl6Pd ;]jf

lj:tf/ ug]{ gLlt lnPsf 5f}+ eg] o; a}+ssf] ATM sf8{ g]kfn e/Lsf ;Dk'0f{ ATM d]l;g / ef/tdf ;d]t rNg] u/L

lrkdf cfwf/Lt VISA ATM sf8{sf] g]6js{ lng]u/L k|lqmof cuf8L a9fO{Psf] 5 . u|fxsnfO{ df]jfO{n SMS af6} 6]

lnkmf]g lan e'QmfgL, df]afOn l/rfh{, vftfsf] Jofn]G; hfgsf/L, vftfdf /sd hDdf u/]sf] / lems]sf] yfxf kfpgsf]

nflu Massage Alert, /sd 6«fG;km/ h:tf ;'ljwf a}+sn] df]afOn a}lsË ;]jf dfkm{t pknJw u/fO{/x]sf] 5 . cfufdL

lbgdf O{G6/g]6af6 df]jfO{n a}lsË ;]jf lbg] pb]Zon] yk ;'ljwfx? ;lxt Tinau Bank Smart ;+rfngsf nflu k|lqmof

cufl8 a9L /x]sf] Joxf]/f hfgsf/L u/fpFb5' .

o; a}+ssf] s]lGb|o sfof{no, zfvf sfof{no gf/fo0fu9, sf]l6xjf / e}/xjfaf6 u|fxs ju{nfO{ ;'glwtf] shf{

;'ljwf lbOPsf] 5 eg] s]lGb|o sfof{noaf6 dfq k|bfg ul/Psf] ns/ ;'ljwf gf/fo0fu9 / e}/xjf zfvfaf6 kgL yk

u/L pknAw u/fO{Psf] 5 eg] a'6jnsf] kfNkf/f]]8 l:yt a}+ssf] cfkm\g} ejgdf ;d]t ns/ ;'ljwf /fVg] ul/ Joj:yf

ldnfOPsf] 5 . ljleGg sDkgLn] lgisfzg u/]sf] IPO / FPO z]o/ cfj]bg eg{sf] nflu C-ASBA -l;—cf:jf_ ;]

jfnfO{ lg/Gt/tf lbO{Psf] 5 .

cfufdL lbgdf ;d]t xfnsf] Joj;fonfO{ lg/Gt/tf lb+b} u|fxs ju{sf] rfxgf nfO{ dgg ub}{ gof+ gof+ of]hgf

/ /0fgLltsf ;fy a}+lsË Jofj;fodf cem :t/Lotf k|bfg ug]{ of]hgf /x]sf] 5 .

s_ /]ld6\ofG; tyf r]s lSnol/· ;'ljwfM

u|fxsn] ljb]z tyf :jb]zaf6 k7fPsf] /sd k|fKt ug{ / :jb]zsf ljleGg :yfgdf /sd k7fpgsf] nflu

o; ljsf; a}+sn] j]i6g{ o'lgog dlg 6«fG;km/, lxdfn /]ld6, l;6L PS;k|]; dlg 6«fG;km/, ;]jf dlg 6«fG;km/, k|e'

cf=j= @)&$÷&%8

dlg 6«fG;km/, nIdL /]ld6, cfO{PdO{ dlg 6«fG;km/, k[YjL /]ld6, h]PdO /]ld6, gljn /]ld6, g]kfn /]ld6 O{G6/g]zgn,

;flgdf PS;k|];, lhPdO{ /]ld6, Olhln+s /]ld6, ;'of]{bo /]ld6, P;l8ljn 6«i6 /]ld6, ;'ne /]ld6, Pe/]i6 /]ld6, j'd /]

ld6, cfO{ k] l/nfPjn /]ld6 / Pdljn /]ld6 u/L xfn;Dd hDdf @! j6f /]ld6 sDkgLx?;+u ;Demf}tf ul/ /]ld6fG;

;'ljwf k|bfg u/]sf] 5 . g]kfn lSnol/Ë xfp; lnld6]8, sf7df08f};+u ;Demf}tf ul/ o; ljsf; a}+ssf] r]s g]kfn

clw/fHosf] h'g;'s} a}+sdf hDdf x'g] / Inter Bank Payment System (IPS) af6 u|fxssf] cg'/f]w adf]lhd csf]{ a}

ssf] h'g;'s} JolQm jf ;+:yfsf] vftfdf /sd hDDff ug]{ / cGo a}+s tyf ljQLo ;+:yfsf u|fxsx?n] o; ljsf; a}+ssf

u|fxssf] vftfdf ;d]t /sd hDdf ug{ / lan e'QmfgL ug{ ldNg] Joj:yf ldnfOPsf] Joxf]/f z]o/wgL dxfg'efjx?nfO{

hfgsf/L u/fpg rfxG5' .

v_ ljb]zL d'b|f tyf ef/tLo d'b|fsf] sf/f]af/M

g]kfn /fi6« a}+sn] …vÚ ju{sf] ljsf; a}+sx?nfO{ ljb]zL tyf ef/tLo d'b|fsf] sf/f]af/ ug{ cg'dlt lbP cg'?k

o; ljsf; a}+sn] klg g]kfn /fi6« a}+s ljb]zL ljlgdo ljefuaf6 ljb]zL tyf ef/tLo d'b|fsf] sf/f]af/ ug]{ Ohfht

kq lnO ef/tLo d'b|fsf] sf/f]af/ ul/ /x]sf] Joxf]/f hfgsf/L u/fpg rfxG5' .

u_ lgIf]k of]hgfM

ahf/df x'g] t/ntf cefj / k'0f{tfsf] ;dodf ljQLo ahf/sf] k|lt:kwf{Tds l:yltnfO{ dWogh/ ub}{ u|fxs

ju{nfO{ ;do ;fk]If k|ltkmn lbO gof+ gof+ lgIf]k of]hgfaf6 u|fxs ju{nfO{ cfsif{0f ug]{ /0fgLltsf ;fy cufl8 al9

/x]sf] Joxf]/f hfgsf/L u/fpg rfxG5' .

3_ u}/sf]if Jofj;fo -Non Funded Business_M

z]o/ sn]S;g sfp06/, lj8 a08, k/km/d]G; a08 / cGo Jofkf/Ls hdfgLkqx? h:tf u}/ sf]ifdf cfwfl/t

Joj;fonfO{ lj:tf/ ub}{ n}hfg] gLlt /x]sf] Joxf]/f cjut u/fpg rfxG5' .

ª_ k'+hL a[l4 ;DaGwdf

o; ljsf; a}+ssf] cfly{s jif{ )&#÷&$ ciff9 d;fGt ;Ddsf] r'Qmf k"+hL ?= %) s/f]8 ^( nfv #$ xhf/

( ;o !$ ?k}of+ & k};f /x]sf] 5 . o; cfly{s jif{sf] d'gfkmfaf6 r'Qmf k"+hLsf] !@ k|ltztsf b/n] af]gz z]o/ ?= ^

s/f]8 * nfv #@ xhf/ ! ;o *( ?k}of+ / ^( k};f ljt/0f u/] kZrft o; ljsf; a}ssf] r'Qmf k"+hL ?= %^ s/f]8

&& nfv ^& xhf/ ! ;o # ?k}of+ &^ k};f k'u]sf] 5 . h;n] ubf{ a}+ssf] Joj;fo lj:tf/ ug{sf] nflu ;xh x'g] Joxf]/f

;d]t ;ef ;dIf hfgsf/L u/fpg' rfxG5' .

r_ zfvf sfof{no÷sfo{Ifq lj:tf/ ;DaGwdfM

xfn;Dd s]lGb|o sfof{no a'6jn xl:k6n nfOg / zfvf sfof{nox? ?kGb]xL lhNnfsf] a'6jn ;+udky, sf]

l6xjf, en'xL, /fdfk'/, 5lkof, e}/xjf, of]lus'6L, lzQngu/ / j]njf;, gjnk/f;L lhNnfsf] lhld/]ef/, cd/fk'/L /

lrtjg lhNnfsf] gf/fo0fu9, d+unk'/ / Hofld/], ul/ hDdf !% j6f sfof{nox?af6 a}lsË ;]jf lb+b} cfO /x]sf 5f}+ .

a}+ssf] Jofj;fo a[l4sf] nflu ljleGg 7fFpdf ;DefJotf cWoog u/L zfvf lj:tf/nfO{ k|fyldstf lb+b} hfg] Joxf]/f

hfgsf/L u/fpg rfxG5' . ;fy,} g]kfn /fi6« a}+saf6 tLg lhNnf sfo{If]q ePsf] a}+s tyf ljQLo ;+:yfnfO{ kf+r

lhNnf sfo{If]q lj:tf/sf] nflu cg'dlt lbP cg'?k o; ljsf; a}+ssf] xfn tLg lhNnf sfo{If]q ?kGb]xL, gjnk/f;L

/ lrtjg /x]sf]df g]kfn ;/sf/n] gjnk/f;L lhNnfnfO{ gjnk/f;L -ab{3f6 ;':tf k"j{_ / gjnk/f;L -ab{3f6 ;':tf

cf=j= @)&$÷&% 9

klZrd_,lhNnfdf ljefhg u/]sf] x'+bf o; ljsf; a}+ssf] sfo{If]q rf/ lhNnf x'g uPsf]df kfNkf lhNnf yk u/L kf+r

lhNnf sfo{If]q sfod ug{sf] nflu lgodgsf/L lgsfoaf6 :jLs[tL lng] u/L ;ef ;dIf ljz]if k|:tfjdf ul/Psf]

Joxf]/f hfgsf/L u/fp+b5' .

5_ 3/hUuf vl/b ;DaGwdfM

o; ljsf; a}+sn] ut cfly{s jif{df a'6jn pkdxfgu/kfnLsfsf] j8f g+= $, l;4fy{ /fhdfu{ df]x8fdf kg]

{ ut cfly{s jif{df vl/b u/]sf] hUuf;+u hf]l8Psf] lsQf g+= @&* sf] @(#=%) j=dL= hUuf ?=%,^$,)),))). cIf/]

kL kf+r s/f]8 rf};¶L nfv dfq_ df vl/b u/L ;f] :yfgdf a}+ssf] hDdf hUuf ^&@ j=dL= ePsf] 5 . pQm hUufdf

tLg tNnfsf] ejg ;d]t /x]sf] x'+bf ;f] ejgnfO{ k'g{;+/rgf u/L sfof{no :yfkgfsf] nflu O{G6]l/o/sf] sfd eO{/x]sf]

Joxf]/f hfgsf/L u/fpg rfxG5' . ;f] ejgdf ;+udkydf /]x]sf] zfvf sfof{no ;fg]{ / s]lGb|o sfof{nonfO{ ;d]t ;f]

xL ejgdf n}hfg] u/L sfo{ eO{/x]sf] Joxf]/f hfgsf/L u/fpFb5' .

h_ dh{/ ;DjGwdfM

eljiodf g]kfn /fi6« a}+sn] lng] gLlt, a}+ssf] sf/]fj/ Ifdtfdf :t/Lotf, k|lt:kwf{sf] Ifdtf a[l4 ug{, k"FhL

/ Joj;fodf lj:tf/ ug{ cfjZos b]lvPdf cfk'm;+u ldNbf] h'Nbf] a}+s tyf ljQLo ;+:yf ePdf dh{/sf] af6f] v'nf /

fVgsf] nflu ;ef ;dIf ljz]if k|:tfj /flvPsf] Joxf]/f ;d]t ;efdf hfgsf/L u/fpFb5' .

$_ cf}Bf]lus tyf Jofkf/Ls ;DaGwM

o; ljsf; a}+sn] cf}Bf]lus, Jofkf/Ls Pj+ ;fdflhs ;DaGwnfO{ k|uf9 /fVg] p2]Zo cg'?k ;DalGwt

u|fxsx?, cf}Bf]lus Joj;flos k|lti7fgx? Pj+ ;fdflhs ;+3 ;+:yf, lzIf0f ;+:yf / cGo lgsfox?;+u ;lqmo ;xsfo{

/ d}qLk"0f{ Jojxf/sf] gLltnfO{ cjnDag ul/ ;/n a}+lsË ;]jf / ;j{;fwf/0fdf a}+lsË kx'+rtfnfO{ k|fyldstfsf ;fy

cufl8 a9fpg] sfo{nfO{ lg/Gt/tf lbO /x]sf5f}+ .

o; ljsf; a}+sn] ;fflhs ;+3 ;+:yf;+usf] ;DaGwnfO{ ;'dw'/ /fVgsf] nflu ;dflhs pQ/bfoLTj ;d]t

lgjf{x ug{sf] nflu k|To]s jif{ jflif{s pT;jsf] lbg ul/j tyf h]x]Gbf/ ljBfyL{x?nfO{ 5fqa[lQ lbg] ul/Psf] 5 . a'6jn

pk dxfgu/kflnsfdf >L 1fgf]bo dfWolds ljBfno, >L lht]Zj/L dfWolds ljBfno / >L gofufpFm dfWolds

ljBfno, ltnf]Qdf gu/kflnsfdf >L hgHof]lt dfWolds ljBfno / >L hghfu[lt dfWolds ljBfno tyf l;4fy{gu/

gu/kflnsfdf >L ?kGb]xL nLnf/fd Gof}kfg] dfWolds ljBfno sf b'O{ b'O{ hgf 5fq5fqfx?nfO{ sIff !) ;Dd cWoog

ug{sf] nlu 5fqj[qL ;d]t k|bfg ul/Psf] 5 .

;fdflhs sfd ug]{ ;+3;+:yfx?nfO{ ;fdflhs sfdsf] nflu cfly{s ;xof]u lbg] ul/Psf], pBf]u afl0fHo ;+3

a'6jnsf] Pzf]l;o6\; ;b:otf lnOPsf] / g]kfn ;/sf/n] k|bfg ug]{ ;fdflhs ;'/Iff eQf ljt/0f ug{sf] nflu g]kfn

;/sf/;+u ;Demf}tf ul/ a'6jnsf] ;+udky zfvf, lhld/]ef/ zfvf, /fdfk'/ zfvf / lrtjgsf] d+unk'/ zfvfaf6

ljt/0f ug]{ Joj:yf ldnfO{Psf] 5 .

To;} u/L a'6jn nfoG; cfFvf c:ktfn;+u ;xsfo{ u/L gjnk/f;Lsf] lhld/]ef/, ?kGb]xLsf] 5lkof / /fdfk'/

df cfFvf lzlj/ (Eye Camp) ;]jf ;+rfng u/L ^!$ hgfsf] cfFvf hfFr u/L $* hgfnfO{ df]ltljGb'sf] ck/];g u/L

b[li6 kmsf{pg] sfd ;d]t a}+ssf] vr{df u/fO{Psf] Joxf]/f ;d]t hfgsf/L u/fp+b5' . /Qmbftfn] bfg u/]sf] /ut ;+sng

ug{sf] nflu Jn8 a}+s a'6jnnfO{ ? $*,)))÷— sf] /]lk|mh]/]6/ k|bfg ul/Psf, e/tk'/ !%, d+unk'/df /x]sf] hfgsL

gd'gf 6f]n ljsf; ;ldltnfO{ ;/;kmfO{sf] nflu ? $@,%))÷— j/fj/sf] 8:6ljg ljt/0f ul/Psf], gjnk/f;Lsf]

u}+8fsf]6 cd/fk'/Lsf] >L nIdL df=lj= nfO{ ? @%,))!÷— k|bfg ul/Psf] ;fy} a'6jn pk dxfgu/kflnsf df /x]

cf=j= @)&$÷&%10

sf >L b'uf{ ejfgL a[4f>dsf] ejg lgdf0f{sf] nflu ? @%))!÷— / pTs[i6 /fhof]u ;efu[x ejg lgdf{0fsf] nflu ?

%!))!÷— gub ;xof]u ul/Psf] ;d]t hfgsf/L u/fpFb5' .

%_ ;~rfns ;ldltdf x]/km]/ / ;f]sf] sf/0fM

cf=j= @)&$.&% df ;~rfns ;ldltdf x]/k]m/ eO{ lgDgfg';f/ /x]sf] 5M

!= /fh]Gb| k|;fb jemf cWoIf

@= hLjg k|;fb jemf ;~rfns

#= /fd]Zj/ k|;fb s;h' ;~rfns

$= clgn k|;fb >]i7 ;~rfns -;j{;fwf/0f_

%= /ljG;g sIfklt ;~rfns -;j{;fwf/0f_

a}+s tyf ljQLo ;+:yf P]g @)&# jdf]lhd % hgf dfq ;+rfns x'g'kg]{ Joj:yf ePsf]n] ;+rfns kbdf /xg'

ePsf pHjn k|;fb s;h' / ;'/]Gb| k|;fb >]i7n] /flhgfdf lbO{ ;+rfns ;ldtLsf] ldltM @)&$.!!.!& ut]sf] a}7s g+=

@@) af6 :jLs[t ul/Psf] Joxf]/f hfgsf/L u/fpFb5' . _

^_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx?M

;do ;dodf kl/jt{g x'g] lgofds lgosfosf lgod sfg'gx? nufPt b]zsf] laBdfg /fhg}lts tyf

cfly{s cl:y/tf, :yflkt a}+sx?sf] lta| ?kdf zfvf lj:tf/ x'+b} hfg', cfd gful/ssf] a'emfO{ cg';f/ :yflgo txdf

j9]sf] s/sf] ef/n] ubf{ gof+ pBf]u wGbfx?sf] :yfkgfdf sdL x'g', ePsf] pBf]u wGbf / Jofkf/ Joj;fosf] cj:yf

klg ;Gtf]ifhgs gb]lvPsf] cj:yf, ahf/ hf]lvd, sfo{;+rfng hf]lvd, Jofhb/ hf]lvd, t/ntf hflvd, /fhg}lts,

;fdfhLs, cfly{s / jftfj/0fLo kl/jt{gn] Jofj;fosf] sf/f]af/df c;/ kfg]{ b]lvG5 .

&_ n]vf kl/If0f k|ltj]bgdf s'g} pNn]vlgo k|ltlqmof eP ;f]sf] k|ltlqmofM

n]vf kl/Ifs4f/f lgoldt sf/f]af/df b]lvg] ;fdfGo s}lkmot afx]s cGo gsf/fTds s}lkmotx? pNn]v u/]

sf] 5}g .

*_ nfef+z af+8kmf+8 ug{ l;kmfl/; ul/Psf] /sdM

ljsf; a}+sn] o; cfly{s aif{df sd{rf/L af]g; Joj:yf ?= !,)@,#),)&).!^ cfos/ ?= @,^),%&,()).))

Joj:yf u/] kZrft af+8kmf+8 of]Uo gfkmf /sd ?= (,#&,&#,^@&.!@ dWo]af6 ;fwf/0f hu]8f sf]ifdf ?= !,%@,$*,%^).#@

af]g; z]o/ r'Qmf k"+hL ?= %),^(,#$,(!$.)& sf] !@ k|ltztn] x'g] /sd ?= ^,)*,#@,!*(.^( / nfef+z s/ k|of]

hgsf] nflu ?= #@,)!,^($.!( 5'6\ofO af+ls /x]sf] /sd ?= $(,$^,#^).!^ nfO{ ;l~rt d'gfkmfdf /flvPsf] 5 .

(_ hkmt ul/Psf] z]o/ ;+VofM

o; k|ltj]bg tof/ ubf{;Dd s'g} z]o/ hkmt ul/Psf] 5}g .

!)_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult ;f] cfly{s jif{sf] cGtdf

/x]sf] l:yltsf] k'g/fjnf]sgM

o; lasf; a}ssf] xfn;Dd s'g} klg ;xfos sDkgL gePsf] / ljsf; a}+sn] u/]sf] k|ultsf] af/]df o;} k|lta]

bgsf] ljleGg a'+bfx?df k|:t't ul/Psf] 5 .

cf=j= @)&$÷&% 11

!!_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf k|d'v sf/f]af/x? / ;f] cjlwdf

sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk'0f{ kl/jt{gM

xfn;Dd o; ljsf; a}+ssf] s'g} ;xfos sDkgL gePsf] / ljsf; a}+sdf s'g} dxTjk'0f{ kl/jt{g klg ePsf] 5}g .

!@_ a}+ssf cfwf/e"t z]o/wgLx?n] pknJw u/fPsf hfgsf/Lx?M

ljsf; a}+ssf] cfwf/e't z]o/wgLx?n] xfn;Dd s'g} klg hfgsf/L pknJw u/fPsf 5}gg\ .

!#_ ljut cfly{s jif{df a}+ssf ;~rfns tyf kbflwsf/Lx?n]] lnPsf] z]o/ :jfldTjsf] ljj/0fM

cf=j=)&$.&% ;Dd ;~rfnsx?n] lnPsf] z]o/ :jfldTjsf] ljj/0f lgDgfg';f/ /x]sf] 5 eg] z]o/sf] sf/f]af/df

;~rfnsx?sf] s'g} k|sf/af6 ;+nUgtf /x]sf] 5}g .gfd kb z]o/ ;+Vof

>L /fh]Gb| k|;fb jemf cWoIf -;+:yfks z]o/wgL_ @,%),(#@>L /fd]Zj/ k|;fb s;h' ;~rfns -;+:yfks z]o/wgL_ #,)!,^@$>L hLjg k|;fb jemf ;~rfns -;+:yfks z]o/wgL_ @,%),(#@>L clgn k|;fb >]i7 ;~rfns -;j{;fwf/0f z]o/wgL_ *,*&#

>L /laG;g sIfklt ;~rfns -;j{;fwf/0f z]o/wgL_ ^^)

!$_ sDkgLn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] ljj/0fM

xfn;Dd o; ljsf; a}+sn] cfkm\gf] z]o/ cfkm} vl/b u/]sf] 5}g .

!%_ cfGt/Ls lgoGq0f k|0ffnL eP ;f]sf] ljj/0fM

ljsf; a}+sn] cfkm\gf] cfGt/Ls Joj:yfkg kIfnfO{ ;'b[9 agfpgsf] nfuL ljleGg lgod, ljlgod tof/ u/L

cfGt/Ls n]vfkl/If0fnfO{ Jojl:yt u/fO r':t b'?:t /fVg n]vf kl/If0f ;ldlt, hf]lvd Joj:yfkg ;ldlt, sd{rf/L

;]jf ;'ljwf ;ldlt, shf{ ;ldlt, ;DklQ z'l4s/0f lgjf/0f ;ldlt nufot ljleGg ;ldlt, pk;ldlt ;d]t u7g u/]

sf] 5 . ;dodf g} cfGt/Ls tyf afXo n]vf kl/If0f ;DkGgtfnfO{ k|fyldstfsf ;fy lnPsf] 5 .

!^_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{ ljj/0fM

s'n Joj:yfkg vr{ lgDgfg';f/ /x]sf] 5Mljj/0f /sd ?=sd{rf/L vr{ %,*#,^%,!@^.@$sfof{no ;~rfng vr{ %$,@!!,$#%.%(hDdf ? !!,@%,&^,%^!.*#

!&_ n]vf kl/If0f ;ldltsf kbflwsf/Lx?sf] gfd, pgLx?sf] sfd, st{Jo / ;'ljwfx?M

u}/ sfo{sf/L ;~rfns >L clgn k|;fb >]i7sf] ;+of]hsTjdf bn axfb'/ /fgf / s[i0f k|;fb 1jfnL ;b:o

/xg] u/L n]vf kl/If0f ;ldlt u7g ul/Psf] 5 . ul7t n]vf kl/If0f ;ldtLn] a}+ssf] cfGt/Ls Joj:yfkg lgoGq0f,

sfo{;Dkfbg d'NofÍg, hf]lvd Joj:yfkg cflb af/] ;ldIff / k'g/fjnf]sg ug]{ ;fy} cfGt/Ls n]vf kl/If0f / jfXo n]

vf kl/If0fn] cf}NofPsf s}lkmotx? tyf g]kfn /fi6« a}+saf6 cf}NofOPsf] lgl/If0f k|ltj]bg pk/ 5nkmn ul/ ;~rfns

;ldltnfO{ ;'wf/sf nfuL ;'emfj lbg] u/]sf] 5 . ;ldltsf ;+of]hsnfO{ dfq, k|lt a}7s ?= !,%)). sf b/n] a}7s

eQf lbg] Joj:yf /x]sf] 5 .

cf=j= @)&$÷&%12

!*_ ;~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{ a'emfpg af+ls /sdM

s'g} k|sf/sf] /sd a'emfpg af+ls /x]sf] 5}g .

!(_ ;~rfns, k|jGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kf/L>lds eQf

tyf ;'ljwfsf] /sdM

;+rfns ;ldltsf] a}+7sdf pkl:yt eP cg';f/ cWoIfnfO{ k|lt a}7s eQf ?= $,%)). / ;+rfns ;ldlt

;b:onfO{ k|lt a}7s eQf ?=#,%)). ljsf; a}+ssf] sfdsf] l;nl;nfdf aflx/ hf+bf b}lgs e|d0f eQf afkt

?= $,))). pknJw u/fOPsf] 5 .

k|d'v sfo{sf/L clws[t / Joj:yfklso :t/sf] sd{rf/Lx?nfO{ jflif{s tna afkt ?= #^,!@,))). bz} eQf

tyf ljz]if eQf afkt ?= @!,)*,*)). / af]g;, ljbf tyf ;+rosf]if yk afkt ?= !%,$$,@)%.(( k|bfg

ul/Psf] 5 .

@)_ z]o/wgLx?n] a'lemlng af+ls /x]sf] nfef+z /sdM

z]o/wgLx?n] xfn;Dd a'lemlng afFsL nfef+; /sd ? #&,(),*&&.@% -cIf/]kL ;}lt; nfv gAj] xhf/ cf7

;o ;txQ/ / k};f klRr; dfq _ /x]sf] Joxf]/f cg'/f]w 5 .

@!_ bkmf !$! adf]lhd ;DklQ vl/b jf ljlqm u/]sf] s'/fsf] ljj/0fM

xfn;Dd o; bkmf cg';f/sf] ;DklQ vl/b lalqm ul/Psf] 5}g .

@@_ bkmf !&% adf]lhd ;Da4 sDkgL ljr ePsf] sf/f]af/sf] ljj/0fM

xfn;Dd o; bkmf adf]lhdsf] ;Da4 sDkgL ljr sf/f]af/ ePsf] 5}g .

@#_ o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'/fM

sDkgL P]g @)&# tyf cGo k|rlnt sfg'g adf]lhd v'nfpg' kg]{ egL lglb{i6 ul/Psf Joj:yfx? v'nfOPsf] / cGo

v'nfpg' kg]{ s'/fx? gePsf] .

@$_ sd{rf/L Joj:yfkg / ljsf;M

k|lt:kwf{Tds ljQLo ahf/df of]Uo, st{Jolgi7, Ifdtfjfg\ / pT;flxt sd{rf/Lx?jf6 g} ;+:yfsf] ljsf;df

dxTjk'0f{ e'ldsf v]n]sf] x'G5 . o;} s'/fnfO{ dgg u/L o; ljsf; a}+sn] sd{rf/Lx?nfO{ :t/ a[l4sf] nfuL cfjZostf

cg';f/ cfGt/Ls tyf afXo tflnd tyf uf]i7Lx?df ;xefuL u/fp+b} cfO/x]sf] 5 . sd{rf/Lx?sf] dgf]jnnfO{ pRrtf

lbg] p2]Zo cg'?k pgLx?sf] sfo{ ;Dkfbgsf] d'NofÍg ub}{ ljsf; a}+ssf] cfjZostf cg'?k sfo{ Ifdtfsf] cfwf/

df sd{rf/Lx?nfO{ :yfoL / kbf]GgtL ub}{ hfg] gLlt cjnDag u/L ;f]xL cg';f/ sfo{ ub}{ cfO{/x]sf]] 5 . o; ;ldIff

cjlwdf s'n sd{rf/L !#) hgf dWo] k|d'v sfo{sf/L clws[t ! hgf, Joj:yfklso :t/ ! hgf, clws[t:t/ !*

hgf, ;xfos:t/ (! hgf, ;xof]lu :t/ !( hgf /x]sf 5g\ . h;dWo] k'?if &^ hgf / dlxnf %$ hgf 5g\ . ;'/Iff

uf8{sf] ?kdf $& hgf >Lgu/ ;]So'l/l6h P08 ;le{;]h k|f=ln= af6 s/f/ ;Demf}tfdf /flvPsf] 5 .

cf=j= @)&$÷&% 13

@%_ ;+:yfyt ;'zf;g kfngf ;DjGwdfM

o; ljsf; a}+sdf ;+rfns ;ldltsf ;b:ox?n] g]kfn /fi6« a}+saf6 a}+s tyf ljQLo ;+:yfx?nfO{ hf/L u/]

sf] Plss[t lgb]{lzsf O=k|f= lgb]{zg g+ ^÷)&% df pNn]v ePsf] ;+:yfut ;'zf;g ;DjGwL cfr/0f k"0f{ ?kdf kfngf

u/]sf] Joxf]/f hfgsf/Lsf] nfuL ;ef ;dIf cg'/f]w ub{5' .

@^_ lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)^%, lgod @@ sf] pklgod-!_ ;+u ;DalGwtM

!= ;+rfns ;ldtLsf] k|ltj]bgM

o;} k|ltj]bgdf ;+nUg /x]sf] 5 .

@= n]vf kl/Ifssf] k|ltj]bgM

o;} jflif{s k|ltj]bgdf ;dfj]z /x]sf] 5 .

#= sfg'gL sf/jfxL ;DalGw ljj/0fM

xfn;Dd s'g} klg sfg'gL sf/jfxL ePsf] 5}g .

$= ;+ul7t ;+:yfsf] z]o/ sf/f]af/ tyf k|utLsf] laZn]if0fM

;ldIff cjlwsf] ciff9 d;fGt;Dddf k|ltlsQf ?= !)). sf] z]o/sf] d"No ?= !^(. sfod /x]sf] lyof]

eg] lwtf]kq ahf/df pNn]Vo dfqfdf z]o/sf] vl/b ljlqm ePsf] Joxf]/f hfgsf/L u/fpg rfxG5' .

%= ;d:of tyf r"gf}ltM

s_ cfGt/Ls ;d:of tyf r'gf}ltM b}lgs sfo{;+rfng, tyf lgodgsf/L lgsfoaf6 ;do ;dodf kl/jlt{t

Joj:yf cg';f/ sd{rf/Lx?n] sfo{ ug{ ;Sg] IfdtfnfO{ ;Defljt hf]lvdx? o;sf] cfGt/Ls r'gf}ltsf] ?kdf

b]lvPsf] 5 .

v_ afXo ;d:of tyf r'gf}ltM lgodgsf/L lgsfoaf6 ;do ;dodf hf/L ug]{ lgb]{zgx? nufot b]zsf] /

fhg}lts, cfly{s, ;fdflhs, ;f+:s[lts, wfld{s, k|fs[lts kl/jt{gaf6 x'g ;Sg] hf]lvd, a}lsË Jofj;fodf lta|

k|lt:kwf{, pRr tyf Go'g t/ntf, afXo ;d:of tyf r'gf}ltsf] ?kdf b]lvPsf] 5 .

^= ;+:yfut ;'zf;gM

o; ljsf; a}+sn] ;+:yfut ;'zf;gnfO{ k|fyldstfsf ;fy lnO{ ;+:yfut ;'zf;gsf] nflu ;+:yfn] g]kfn /fi6«

a}+ssf] lgb]{zg, sDkgL P]g, lwtf]kq P]g tyf cGo P]g lgodsf] k"0f{ ?kdf kfngf u/]sf] 5 eg] dfu{ bz{gsf]

?kdf ljleGg cfGtl/s lgod, ljlgod / lgb]{zg agfO nfu' u/]sf] 5 .

&= ljj/0f kqdf k|If]k0f ul/Psf / n]vf kl/If0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s

;DaGwL ljj/0fM

ljj/0f kqdf k|If]k0f ul/Psf / n]vf kl/If0fdf ePsf] ljj/0fdf @)∞ jf ;f] eGbf al9 km/s ePsf]

ljj/0f lgDg cg';f/ /x]sf] 5 .

cf=j= @)&$÷&%14

jf;nft

k"+hL tyf bfloTj cg';"rL cf=a=@)&$÷)&%

;Ddsf] af:tlas

-?= xhf/df_

cf=a=@)&$÷)&%

;Ddsf] cg"dflgt

-?= xhf/df_ km/s /sd

km/s

k|ltzt km/s kg"{sf] sf/0f

!= hu]8f tyf sf]ifx? 4=2 89,063 116,656 -27,593.00_ -23.65_ z]o/ k"+hLdf :yfGt/)f ePsf] sf/)fn] sld ePsf]

@= lgIf]k bfloTj 4=5 4,915,765 3,942,138 973,627.00 24.70 a}ssf] sf/f]af/ a[l$ ePsf] sf/)Fn]

#= k|:tfljt nfef+z 3,202 2,650 552.00 20.83z]o/ wgLnfO{ gub nfef+z a+f*km+f* ePsf] sf/)fn] a(L ePsf]

$= cGo bfloTj 4=7 80,795 151,478 -70,683.00_ -46.66_ bfloTj >[h{gf a[l$ gePsf] sf/)Fn]

;DklQ cg';"rLcf=a=@)&$÷)&%

;Ddsf] af:tlas

-?= xhf/df_

cf=a=@)&$÷)&%

;Ddsf] cg"dflgt

-?= xhf/df_

km/s /sd km/s k|ltzt km/s kg"{sf] sf/0f

!= gub df}Hbft 4=8 122,593 74,126 48,467.00 65.38gub df}Hbft a(L /flvPsf] sf/)fn]

@= a}s÷ljlQo ;+:yfdf /x]sf] df}Hbft

4=10 1,044,440 676,891 367,549.00 54.30 lgIf]kdf a[l$ ePsf] sf/)Fn]

#= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd

4=11 58,403 79,144 -20,741.00_ -26.21_SLR df /fVg'kg]{/sd k|ofKt ePsf] sf/)fn]

$= l:y/ ;Dklt 4=14 184,325 29,563 154,762.00 523.50a}ssf] nflu ejg tyf hUuf vl/b u/LPsf] sf/)Fn]

%= cGo ;Dklt 4=16 50,410 115,469 65,059.00 56.34

cGo ;Dklt lzif{{sdf ePsf] sf/f]af/ a}ssf] cfaZostf cg';f/ k|fKt ePsf]n]

gfkmf gf]S;fg lx;fa

ljj/0f cg';"rL

cf=a=@)&$÷)&%

;Ddsf] af:tlas

-?= xhf/df_

cf=a=@)&$÷)&%

;Ddsf] cg"dflgt

-?= xhf/df_

km/s /sd km/s

k|ltzt km/s kg"{sf] sf/0f

1= Jofh vr{ 4=19 377,320 258,137.00 119,183.00 46.17 a}ssf] sf/f]af/ lgIf]kdf a[l$ ePsf] sf/)Fn]

2= sldzg tyf l*:sfp)^ 4=20 5,720 10,027.00 -4,307.00_ -42.95_ k|If]k)f u/] cg";f/ eGbf /]ld^]ofG; sldzg sdL ePsf]n]

3= cGo ;+rfng cfDbfgL 4=21 37,992 54,089.00 -16,097.00_ -29.76_

g]kfn /fi^« a}s sf] lgb]{zg cg";f/ shf{df k|lta$tf z"Ns lng gkfOPsf] sf/)fn] / ;]jf z"Ns df 0=25 k|ltzt km/s ug{ gkfO{Psf] sf/)fn]

cf=j= @)&$÷&% 15

;~rfns ;ldltsf] tkm{af6/fh]Gb| k|;fb jemf

cWoIf

4= sd{rf/L vr{ 4=23 58,365 34,371.00 23,994.00 69.81

a}ssf] zfvf la:tf/ e} sd{rf/L yk ePsf] sf/)Fn]

5= cGo ;~rfng vr{ 4=24 54,211 36,843.00 17,368.00 47.14 a}ssf] zfvf la:tf/ ePsf] sf/)Fn]

6= ;Defljt gf]S;fgL Joj:yfx? 4=25 21,478 14,142.00 7,336.00 51.87 shf{ nufgLdf a[l$ ePsf] sf/)fn]

7= u}/ ;+rfng cfDbfgL÷vr{ 4=26 1,449 – 1,449.00 1,449.00 u}/ ;+rfng cfDbfgL k|fKt ePsf] sf/)fn]

8= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 4=27 18,419 – 18,419.00 18,419.00 shf{ c;"nL lgoldt ePsf] sf/)fn]

9= c;fdfGo sf/f]jf/jf^ ePsf] cfDbfgL÷vr{ 4=28

– 2,286.00 -2,286.00_ -100.00_ o; k|s[tLsf] sf/f]jf/

gePsf] sf/)fn]

10= sd{rf/L af]g; Joj:yf 10,230 17,886.00 -7,656.00_ -42.80_ g]kfn /fi^« a}sn] Aofhb/df Spread Rate 5∞ tf]s]sf] sf/)fn]

11= cfos/ Joj:yf 26,058 53,658.00 -27,600.00_ -51.44_g]kfn /fi^« a}sn] Aofhb/df Spread Rate

5∞ tf]s]sf] sf/)fn]

12= v'b gfkmf÷gf]S;fg 76,243 125,203.00 -48,960.00_ -39.10_g]kfn /fi^« a}sn] Aofhb/df Spread Rate

5∞ tf]s]sf] sf/)fn]

cGTodf,

o; ljsf; a}s k|lt c6n ljZjfz / ;b\efj b]vfO cfhsf] o; ;an cj:yf ;Dd NofO k'/\ofpg dxTjk"0f{

;xof]u ug]{, dfu{bz{g lbg] / k|f]T;fxg ug]{ cfb/0fLo u|fxs ju{, g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, g]kfn

lwtf]kq af]8{, g]kfn :6s PS;r]~h, l;l8P; P08 lSnol/Ë lnld6]8, l;4fy{ Soflk6n lnld6]8, ljleGg ;+3;+:yf,

cf}Bf]lus Pj+ Jofkf/Ls k|lti7fgx?, ;+:yfks tyf ;j{;fwf/0f z]o/wgL dxfg'efjx? tyf z'elrGtsx? k|lt xfbL{s

cfef/ k|s6 ug{ rfx5' ;fy} ;~rfns ;ldlt tyf Joj:yfkgn] z]o/wgLx?sf] rfxgf / clenfiff jdf]lhd clj/n

gof+ gof+ of]hgf / /0fgLltsf ;fy sfd ub}{ hfg] k|ltj4tf JoQm ub}{ o; ljsf; a}+snfO{ ;kmntf k'j{s ;~rfngsf]

nflu cfkm\gf] sfd, st{Jo k|lt lhDd]jf/ lgi7fjfg\ / nuglzn eO ;]jf k|bfg ug]{ sd{rf/L ju{df ;~rfns ;ldlt

tyf d]/f] JolQmut tkm{jf6 xflb{s wGoafb 1fkg ub}{ k|ltj]bg ;dfkg ug]{ cg'dlt rfxG5' .

wGoafb .

cf=j= @)&$÷&%16

NBSM & AssociatesChartered Accountants(Indepen Dentmember of DGI-Geneva Group International)

6th Floor, Block A Four Square ComplexNarayan Chour, Naxal, Kathmandu, Nepal

P.O.B.-8357, Phone: 977-1-4433069, 4415242Email: [email protected], URL: wwwnbsm.com.np

ltgfp ljsf; a} +s lnld6] 8, a'6jn, ?kGb] xLsf] z] o/ wgL dxfg'efjx? ;dIf n] vfk/ LIfssf] k|ltj] bg

xfdLn] ltgfp ljsf; a}+s lnld6]8sf] o;} ;fy ;+nUg cfiff9 #@, @)&% sf] jf;nft, ;f]xL ldltdf ;dfKt ePsf] cfly{s jif{sf] gfkmf gf]S;fg lx;fj, gub k|jfx ljj/0f, O{SjL6Ldf ePsf] kl/jt{g / k|d'v n]vf lgltx? tyf n]vf ;DalGw l6Kk0fLx?sf] n]vfkl/If0f ;DkGg u/]sf 5f}+ .

cfly{s ljj/0fx?k|lt Joj:yfkgsf] lhDd]jf/L M g]kfn n]vfdfg cg'?k oyfy{ / plrt lrq0f ug]{ ljlQo ljj/0fx? tof/ Pj+ k|:t't ug]{ lhDd]jf/L Joj:yfkgdf

/x]sf] 5 . oL lhDd]jf/L cGt/ut rfx] hfn;fhL jf uNtLaf6 xf];, ;f/e't lsl;dn] q'6L/lxt, ljlQo ljj/0f ;DalGw cfGt/Ls lgoGq0f k|0ffnLsf] th'{df, sfof{Gjog / ;~rfng ug]{ sfo{ n]vf lgtLx?sf] 5gf}6 tyf nfu' ug]{ Pj+ kl/l:ytL cg';f/ n]vf ;DaGwL dxTjk'0f{ cg'dfg ug'{ kb{5 .

n]vfkl/Ifssf] lhDd]jf/L M n]vfkl/If0fsf] cfwf/df ljlQo ljj/0fx? pk/ dGtJo JoQm ug'{ xfd|f] bfloTj xf] . xfdLn] xfd|f] n]vfkl/If0f g]

kfn n]vfkl/If0fdfg adf]lhd ;DkGg u/]sf 5f}+ . tL dfgn] xfdLnfO{ Joj;foLs g}ltstfsf] kfngf ug]{ tyf ljlQo ljj/0fx? ;f/e't ?kdf q'6L/lxt ePsf] af/]df dgfl;a cfZjf;g k|fKt ug{, n]vfkl/If0fsf] of]hgf agfpg / n]vfkl/If0f ;DkGg ug{ clgjfo{ u/fpb5 .

n]vfkl/If0f cGt{ut ljlQo ljj/0fdf pNNf]lvt /sd / v'nf;fnfO{ k'i6L ug]{ k|df0f k|fKt ug{ ;DkGg ul/g]

sfo{ljlw ;+nUg x'G5 . o;/L 5gf]6 ul/Psf] sfo{lalw rfx] hfn;fhL jf uNtLaf6 xf];, ;f/e't ?kdf q'l6o'Qm k|:t'tL x'g ;Sg] hf]lvdsf] n]vfhf]vf ;lxt xfDf|f] Joj;flos lg0f{odf cfwfl/t 5 . To;/L hf]lvdsf] n]vfhf]vf ug]{ qmddf, xfdLn] ljsf; a}+ssf] cfGt/Ls lg0f{o pk/ g} /fo JoQm ug]{ p2]Zon] ge}, kl/:yLtL cg';f/ xfd|f] n]vfkl/If0f sfo{ljlw tof/ ubf{, ljsf; a}+sn] ljlQo ljj/0f tof/ Pj+ k|:t'tL ug]{ qmddf canDag u/]sf cfGt/Ls lgoGq0f k|0ffnLsf] ljZn]if0f u/]sf 5f}+ . n]vfkl/If0fdf Joj:yfkgåf/f k|of]udf NofO{Psf n]vf l;4fGtx? Pj+ ul/Psf dxTjk'0f{ cg'dfgx?sf] pko'Qmtfx?sf] d"Nof+sg sf ;fy} ;du| ljlQo ljj/0f k|:t'tLsf] n]vfhf]vf ;d]t ;dfj]z ul/Psf] x'G5 .

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

dGtJo M cGo sfg'gL tyf lgodg lgsfosf cfjZostf ;DaGwL k|ltj]bg

xfdLåf/f ;DkGg ul/Psf] kl/If0fsf] cfwf/df k|ltj]bg k]z ub{5f}+ ls Ms_ xfdLn] n]vfk/LIf0f ;DkGg ug{ cfjZos 7fg]sf ;'rgf Pj+ :kli6s/0fx? ;Dk'0f{ ?kdf kfPsf 5f}+ . v_ of] k|ltj]bg ;Fu ;DaGwLt ;+nUg jf;nft, gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f, O{SjLl6df ePsf] kl/

jt{g / ;+nUg cg';'rLx? g]kfn /fi6«a}+ssf] lgb]{zg cg';f/ tof/ u/Lg'sf ;fy} sDkgLn] /fv]sf] lx;falstfa, alx, vftf, >]:tf / n]vf;+u b'?:t /x]sf 5g\ .

u_ xfd|f] /fodf ljsf; a}+ssf] lx;fa lstfa P]g adf]hLd l7s;+u /fvLPsf] 5 . 3_ ljsf; a}+sn] g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ shf{df kfs]sf] Aofh cfDbfgLnfO{ gub k|fKtLsf] cfwf/df n]

cf=j= @)&$÷&% 17

vf+sg u/]sf] 5 .ª_ xfdLn] ljsf; a}+ssf] >]itf n]vfkl/If0fsf] ;dodf, ljsf; a}+ssf] ;~rfns ;ldlt jf To;sf ;b:o jf s'g}

k|ltlgwL jf s'g} kbflwsf/L jf s'g} sd{rf/Ln] k|rlnt sfg'g ljkl/t s'g} sfo{ u/]sf] jf lasf; a}+ssf] ;DklQ lxgfldgf u/]sf] jf ljsf; a}+ssf] xfgL gf]S;fgL u/] u/fPsf] xfDf|f] hfgsf/Ldf cfPg .

r_ ljsf; a}+sn] u/]sf] sfo{ cfkm\gf] sfo{If]q leq /x]sf] kfO{of] .5_ zfvfx?af6 k|fKt ljj/0fx? :jtGq n]vfkl/If0f gul/Psf] ePtfklg n]vfkl/If0fsf] lgldQ kof{Kt 5g\ .h_ xfd|f] /fodf xfdLn] n]vfkl/If0f ul/Psf >]itfx?sf] cfwf/df o; ljsf; a}+sn] ;DkQLdf ;Defljt gf]S;fgLsf]

nfuL kof{Kt Joj:yf u/]sf] 5 tyf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd kof{Kt k'hLsf]if /fv]sf] 5 .em_ ljsf; a}+sn] o; cf=a= df s'g} shf{ ckn]vg u/]sf] 5}g .`_ ljsf; a}+sn] lgIf]kstf{ tyf nufgLstf{x?sf] lxt ;+/If0f lj?4 sfo{ u/]sf] b]lvPg .6_ ljsf; a}+sdf n]vf ;DaGwL s'g} hfn;fhL ePsf], ljsf; a}+ssf] >]:tf / n]vf kl/If0faf6 xfd|f] hfgsf/Ldf

cfPg .

Disclaimer /fosf] cfwf/x? M$= a}+s tyf ljlQo ;+:yfx?sf] nflu nfu' ePsf] ljlQo l/kf]{l6ªsf] 9fFrf k|rlnt n]vf ;DaGwL ;j{dfGo l;4fGtsf]

cfwf/af6 g]kfn ljlQo l/kf]{l6ª dfg (NFRS) cGt{ut /xL tof/ ug'{kg]{ Joj:yf cfly{s jif{ @)&#÷&$ af6 nfu' e};s]sf] 5 . kl/jlt{{t ljlQo l/kf]{l6ªsf] 9frf tof/ u/L nfu' ug{ (NFRS) cg';f/sf] ljlQo ljj/0fx? >fj0f !, @)&# sf] ;'?jftdf tof/ x'g'k5{ / ;f]xL adf]lhd tLg jif{sf] ljlQo l:ytLsf] ljj/0f (Statement Of Financial Position), b'O{ jif{sf] lj:t[t cfo ljj/0f (Statement Of Comprehensive income), b'O{ jif{sf] cfo ljj/0f -k|:t't ul/g] eP_, b'O{ jif{sf] gub k|jfxsf] ljj/0f, b'O{ jif{sf] OlSj6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f (Statement Of Change In Equity) / ;f];Fu ;DalGwt l6Kk0fLx? nufot Tf'ngfTds ;'rgfx? ;d]t tof/ x'g'kb{5 . o:tf] Joj:yf ePtfklg ljsf; a}+sn] clxn]sf] ;'?jftL cj:yfdf ljlQo ljj/0fx? NFRS cg';f/ tof/ u/sf] 5}g . g]kfn ljlQo l/kf]{l6ªdfg ! (NFRS-1) df cfwfl/t /xL gofF n]vf ;DaGwL gLltx? tof/ u/L ljlQo ;'rgfx?sf] klxrfg, k'g{n]vg, k|:t'tLs/0f / v'nf;fx? lbg'kg]{ x'G5 .

o;/L g]kfn ljlQo l/kf]{l6ª dfg (NFRS) adf]lhd ljlQo ;'rgfsf] k'g{n]vg, k|:t'tLs/0f / v'nf;fx? gul/+bf logLx?sf] ljlQo ljj/0fdf kg]{ ;Di7Lut k|efj clglZrt /x]sf] 5, h'g Material tyf Pervasive klg x'g ;S5 .

Disclaimer sf] /fo M%= dfly Disclaimer /fosf] cfwf/x?sf cg'R5]bx?df pNn]v eP adf]lhdsf] j:t'l:ytLsf] dxTjsf cfwf/

df,klxnf] k6s g]kfn ljQLo l/kf{]l6ª dfgs -NFRS_ k|of]udf Nofpbf ljlQo ljj/0fsf] k'g{n]vg, k|:t'tLs/0f / v'nf;fx?df kg{ ;Sg] ;Di7Lut k|efjsf] nflu kof{Kt / pko'Qm ;a'b, k|df0fx? k|fKt ug{ ;lsPg . tbg';f/ xfdL ljQLo ljj/0fdf /fo JoQm ub}{gf}+, h'g g]kfn ljQLo l/kf{]l6ª dfgsf] cg';f/ tof/ ul/Psf] 5}g .

^= dfly a'Fbf % df plNnlvt ljifoj:t' afx]s xfd|f] /fodf ;+NfUg ljlQo ljj/0fx?df ltgfp ljsf; a}+s lnld6]8sf] @)&% cfiff9 #@ ut]sf] ljlQo l:ylt / ;f]xL ldltdf cGTo ePsf] cfly{s aif{sf] ;~rfng glthf / gub k|jfxsf] k|rlnt sfg'gsf clwgdf /lx nfu' ug{ ;lsg] xb;Dd g]kfn n]vfdfg cg';f/ oyfy{ lrq0f ub{5 / sDkgL P]g @)^#, a}+s tyf ljlQo ;+:yf P]g @)&# / g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ ul/Psf] 5 .

l;=P= lgn axfb'/ ;f? du/, Pkml;P;fem]bf/Pg=la=P;=Pd= P08 P;f]l;o6\;rf6{8{ PsfpG6]G6\;ldltM @)&%.)^.)! :yfgM sf7df08f}+, g]kfn

cf=j= @)&$÷&%18

@)&% ;fn cfiff9 d;fGtsf]

jf;nft

k"+hL tyf bfloTj cg';"rL o; jif{ ¿= ut jif{ ¿=1= z] o/ k"+hL 4=1 567,767,103=76 506,934,914=07 2= hu] *f tyf sf] ifx? 4=2 89,062,927=14 76,854,009=43 3= C)fkq tyf a)* 4=3 – – 4= ltg{ af+sL shf{ ;fk^ 4=4 – – 5= lgIf] k bfloTj 4=5 4,915,764,863=94 3,897,804,849=68 6= e'QmfgL lbg'kg] { ljnx? 4=6 – –

7= k|:tfljt nfef+z 3,201,694=19 23,042,496=09 8= cfos/ bfloTj – –

9= cGo bfloTj 4=7 80,794,284=64 88,279,764=65

s'n k"+hL tyf bfloTj %,^%^,%(),*&#=^& $,%(@,(!^,)##=(@

;DklQ cg';"rL o; jif{ ¿= ut jif{ ¿=1= gub df}Hbft 4=8 122,592,723=68 107,231,509=07 2= g] kfn / fi^« a}+sdf / x] sf] df}Hbft 4=9 175,713,510=45 185,341,094=29 3= a}s tyf ljQLo ;+:yfdf / x] sf] df}Hbft 4=10 1,044,440,105=07 779,039,686=50 4= dfu tyf cNk ;"rgfdf k|fKt x'g] / sd 4=11 58,402,520=73 65,130,996=33 5= nufgL 4=12 133,410,938=88 101,455,803=97 6= shf{ ;fk^ tyf ljn v/ Lb 4=13 3,887,296,351=68 3,206,766,165=00 7= l:y/ ;DklQ 4=14 184,324,969=17 110,654,373=16 8= u}/ a}lsª\u ;DklQ 4=15 – – 9= cGo ;DklQ 4=16 50,409,754=01 37,296,405=60

s'n ;DklQ %,^%^,%(),*&#=^& $,%(@,(!^,)##=(@

;Defljt 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 ;"rsfª\sx? cg';"rL 4=31k|d'v n] vf gLltx? cg';"rL 4=32n] vf ;DaGwL l^Kk)fLx¿ cg';"rL 4=33

$=! b] lv $=!^ ;Ddsf cg';"rLx? jf;nftsf cleGg c+u x'g\ =

xfd|f] cfhs} ldltdf ;+nUg k|ltj] bg cg';f/

;'bz{g y}j;xfos k|aGws

/ fh] Gb| k|;fb jemfcWoIf

k|lbk s'df/ >] i7

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

l;=P= lgn axfb'/ ;f? du/FCA, ISA

kf6{g/Pg=la=P;=Pd= P08 Pzf]l;P6;

rf6{8{ PsfpG6] G6\;ldltM @)&%÷)^÷)!

sf7df08f}+ g]kfn

/ fd] Zj/ k|;fb s;h';~rfns

clgn k|;fb >] i7;~rfns

hLjg k|;fb jemf;~rfns

/ laG;g sIfklt;~rfns

sdn s+8] njl/ i7 n] vf clws[t

cf=j= @)&$÷&% 19

ldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd

gfkmf gf] S;fg lx;fa

ljj/ 0f cg';"rL o; jif{ ?= ut jif{ ?=

1= Jofh cfDbfgL 4=18 560,324,815=14 435,519,945=00

2= Jofh vr{ 4=19 377,320,339=36 229,710,346=48

v'b Jofh cfDbfgL 183,004,475=78 205,809,598=52

3= sldzg tyf l*:sfp)^ 4=20 5,719,588=26 5,021,077=37 4= cGo ;+rfng cfDbfgL 4=21 37,992,345=85 26,503,808=56 5= ;^xL #^a( cfDbfgL 4=22 – –

s"n ;~rfng cfDbfgL 226,716,409=89 237,334,484=45

6= sd{rf/ L vr{ 4=23 58,365,126=24 34,793,995=83 7= cGo ;~rfng vr{ 4=24 54,211,435=59 39,855,896=65 8= ;^xL #^a( gf] S;fg 4=22 – – ;Defljt gf] S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf 114,139,848=06 162,684,591=97

9= ;Defljt gf] S;fgL Joj:yfx? 4=25 21,477,740=22 19,895,008=41

;~rfng d'gfkmf 92,662,107=84 142,789,583=56

10= u}/ ;+rfng cfDbfgL÷vr{ 4=26 1,449,256=86 1,467,364=69 11= ;Defljt gf] S;fgL Joj:yfaf^ lkmtf{ 4=27 18,419,407=05 7,503,591=95 lgoldt sf/ f] jf/ af^ ePsf] d'gfkmf 112,530,771=75 151,760,540=20

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

;Dk")f{ sf/ f] jf/ ;dfj] z kl%sf] v'b d'gfkmf 112,530,771=75 151,760,540=20

13= sd{rf/ L af] g; Joj:yf 10,230,070=16 13,796,412=75

14= cfos/ Joj:yf 26,057,900=00 39,608,891=91

o; aif{sf] s/ Aoa:yf 30,934,233=90 41,665,919=80

laut aif{;Ddsf] s/ Aoa:yf – 440,551=11 o; aif{sf] :yug s/ -cfDbfgL_/ vr{ -4,876,333=90_ -2,497,579=00_

v'b gfkmf÷gf] S;fg &^,@$@,*)!=%( (*,#%%,@#%=%$ $=!* b] lv $=@* ;Ddsf cg';"rLx? gfkmf gf] S;fg lx;fjsf cleGg c+u x'g\ .

xfd|f] cfhs} ldltdf ;+nUg k|ltj] bg cg';f/



k|lbk s'df/ >] i7




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cf=j= @)&$÷&%20

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

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

cfDbfgL 1= ut jif{;Ddsf] ;+lrt d'gfkmf 16,160,156=38 1,556,570=94

2= o; jif{sf] d'gfkmf 76,242,801=59 98,355,235=54

3= ;^xL #^j( sf] if -z] o/ lk|ldod_ 7,129,247=21

4= sd{rf/L bIftf clej[l$ sf]ifaf^ pkef]u ePsf] /sd 541,297=11

5= ;+:yfut ;fdflhs pQ/bfloTj sf]if pkef]u u/]sf] /sd 829,372=04

hDdf (#,&&#,^@&=!@ !)&,)$!,)%#=^(vr{

1= ut jif{;Ddsf] ;+lrt gf]S;fg – – 2= o; jif{sf] gf]S;fg – –

3= ;fwf/)f hu]*fsf]if 15,248,560=32 19,671,047=11

4= e}k/L cfpg] hu]*f – – 5= ;+:yf ljsf; sf]if – – 6= nfef+; ;dLs/)f sf]if – – 7= sd{rf/L ;DaGwL sf]if 579,588=95 541,297=11

8= k|:tfljt nfef+z 3,201,694=19 23,042,496=09

9= k|:tfljt af]g; z]o/ 60,832,189=69 46,084,992=19

10= ljz]if hu]*f sf]if – – 11= ;^xL #^j( sf]if – – 12= :yug s/ hu]*f 8,173,143=90 – 13= k'+hL lkmtf{ hu]*f sf]if – – 14= k+'hL ;dfof]hg sf]if – –

!%= nufgL ;dfof]hg sf]if 29,661=89 557,512=45

!^= ;+:yfut ;fdflhs pQ/bfloTj sf]if 762,428=02 983,552=36

hDdf **,*@&,@^^=(^ (),**),*(&=#!

!&= ;l~rt d'gfkmf÷-gf]S;fg_ $,($^,#^)=!^ !^,!^),!%^=#*



k|lbk s'df/ >] i7




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16,160,156=38

58,611,4

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–

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983,552=36

–

557,512=45

583,788,923=50

:yug s/

–

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–

–

–

–

–

–

–

–

;dfof] lht z'? df}Hbft

–

–

–

–

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506,934,914=07

16,160,156=38

58,611,4

91=13

–

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541,297=11

983,552=36

–

557,512=45

583,788,923=50

rfn' cf=a= sf gfkmf gf]S;fg lx;fa

– 76,242,801=59

––

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–

;dfof]hg

–

––

–

–

–

–

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76,242,801=59

;l~rt gfkmf gf] S;fg

–-15248560=32

15,248,560=32

–

–

–

–

–

–

–

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k|:tfljt nfef+z

– -3,201,694=19_

–

–

–

–

–

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k|:tfljt af]g; z]o/

60,832,189=69 -60,832,189=69_

–

–

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sd{rf/L

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–

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sf]ifaf^ pkef]u ePsf] /sd

– 829,372=04

–

–

–

–

-829,372=04_

––

–

;+:yfut ;fdflhs pQ/bfloTj sf]if

–-762,428=02_

762,428=02

sd{rf/L ;DaGwL hu]*fx?

–

-579,588=95_

–

–

–

–

579,588=95

–

–

–

nufgL ;dfof]hg sf]if

– -29,661=89_

–

–

–

–

–

–

29,661=89

–

sN; Og P*efG;

–

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–

–

–

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:yug s/ hu]*f

–

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cf=j= @)&$÷&%22

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

gub k|jfx ljj/ 0fldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd

qm=;+= ljj/ 0f o; jif{ ?= ut jif{ ?=-s_ sf/ f] jf/ ;~rfngaf6 gub k|jfx #%),@!),*@#=*$ !(*,*@@,#$(=$( != gub k|flKt ^)$,#%@,&)(=@% $^&,)$$,*#)=(# 1=1 Aofh cfDbfgL 560,324,815=14 435,519,945=00 1=2 sldzg tyf l*isfpG^ cfDbfgL 5,719,588=26 5,021,077=37 1=3 ljb] zL ljlgdo sf/ f] af/ af^ cfDbfgL – –1=4 ckn] lvt shf{sf] c;'nL – – 1=5 cGo cfDbfgL 38,308,305=85 26,503,808=56 @= gub e'QmfgL -$^#,%&^,%^#=$(_ -##$,##(,)(%=!*_2=1 Jofh vr{ -333,570,546=47_

-229,710,346=48_2=2 sd{rf/ L vr{ -61,810,655=80_ -34,793,995=83_2=3 sfof{no ;+rfng vr{ -42,137,461=22_ -30,225,860=96_2=4 cfos/ e'QmfgL -26,057,900=00_ -39,608,891=91_2=5 cGo vr{ – –

sfo{ut k"+hL ultljlw cl3sf] gub k|jfx !$),&&^,!$%=&^ !#@,&)%,&#%=&%;~rfng ;DjlGw rfn' ;DklQdf sdL÷-j[l¢_ -&@*,!)#,%)#=^&_ -%@(,($(,%^*=#&_

1= dfu tyf cNk ;"rgfdf k|fKt x'g] / sddf sdL÷-j[l¢_ – – 2= cGo cNksfnLg nufgLdf sdL÷-j[l¢_ -31,483,094=73_ -15,479,762=27_

3= shf{ tyf ljN; vl/ bdf sdL÷-j[l¢_ -684,060,560=03_ -521,134,243=82_

4= cGo ;Dkltdf sdL÷-j[l¢_ -12,559,848=91_ -6,664,437=72_

;~rfng ;DjlGw rfn' bfloTjdf -sdL_÷j[l¢ (#&,%#*,!*!=&% %(^,)^^,!*@=!!1= lgIf] k bfloTjdf -sdL_÷j[l¢ 1,017,960,014=26 609,401,444=60 2= ;l^{lkms] ̂ ckm l*kf] lh^df -sdL_÷j[l¢ – –3= cNksfnLg ;fk^Ldf -sdL_÷j[l¢ – –4= cGo bfloTjdf -sdL_÷j[l¢ -80,421,832=51_ -13,335,262=49_

-v_ nufgL sf/ f] jf/ df gub k|jfx -*%,*)%,@%)=!)_ -*^,%&),$#^=&)_1= bL#{sfnLg nufgLdf sdL÷-j[l¢_ – –2= :yL/ ;DklQdf sld÷-j[l¢_ -87,455,813=15_ -88,037,801=39_3= bL#{sfnLg nufgLdf Jofh cfDbfgL – – 4= nfef+z cfDbfgL 1,650,563=05 1,467,364=69 5= cGo-u_ ljlQo >f] t sf/ f] jf/ df gub k|jfx – !@#,)!%,$*$=**1= bL#{sfnLg C)f -j)*, l*j] ~r/ cflb_ df j[l¢÷-sdL_ – – 2= z] o/ k"++hLdf j[l¢÷-sdL_ – 119,479,609=38 3= cGo bfloTjdf j[l¢÷-sdL_ – -3,593,371=71_4= g] kfn / fi^« a}+sjf^ k||fKt ;x'lnot÷k"/ gshf{df j[l¢÷-sdL_ – – 5= z] o/ lk|ldod – 7,129,247=21

-#_ gub tyf a}+s df}Hbftsf] ljlgdo b/ df ePsf] km/ sjf6 cfDbfgL÷vr{ – – -#_ o; jif{sf] ;Dk")f{ ultljlwaf^ gub k|jfx 1,401,148,859=93 235,267,397=67 -ª_ gub tyf a}+sdf / x] sf] z"? df}}Hbft 1,136,743,286=19 901,475,888=52 -4_ gub tyf a}+sdf / x] sf] clGtd df}Hbft !$),!$*,*%(=(# !,!#^,&$#,@*^=!(



k|lbk s'df/ >] i7


l;=P= lgn axfb'/ ;f? du/FCA, ISA kf6{g/

Pg=la=P;=Pd= P08 Pzf]l;P6;rf6{8{ PsfpG6] G6\;

ldltM @)&%÷)^÷)!sf7df08f}+ g]kfn/ fd] Zj/ k|;fb s;h'

;~rfnsclgn k|;fb >] i7

;~rfnshLjg k|;fb jemf

;~rfns/ laG;g sIfklt

;~rfns


cf=j= @)&$÷&% 23

cg';"rL $=!

z] o/ k"+hL tyf :jfldTj -@)&% cfiff9 d;fGt_


!= z] o/ k"+hL

!=! clws[t k"+hL ^)),))),)))=)) ^)),))),)))=))

-s 6,000,000 ;fwf/ )f z] o/ k|lt z] o/ ?= 100=00 n] 600,000,000=00 600,000,000=00

-v_ =======gg\l/ l*d] jn lk|km/ ] G; k|lt z] o/ ?=========n] – – -u_ =========l/ l*d] jn lk|km/ ] G; k|lt z] o/ ?=========n] – –

!=@ hf/ L k+"hL %)^,(#$,(!$=)& $^),*$(,(@!=**

-s_ 50,69,349=14 ;fwf/ )f z] o/ k|lt z] o/ ?=100=00 n] 506,934,914=07 460,849,921=88

-v_ ========gg\l/ l*d] jn lk|km/ ] G; k|lt z] o/ ?========n] – – -u_ =========l/ l*d] jn lk|km/ ] G; k|lt z] o/ ?=========n] – –

!=# r"Qmf k"+hL %)^,(#$,(!$=)& $^),*$(,(@!=**

-s_ 50,69,349=14 ;fwf/ )f z] o/ afkt k|lt z] o/ ?= 100=00 n] 506,934,914=07

460,849,921=88 -v_ ========gg\l/ l*d] jn lk|km/ ] G; k|lt z] o/ ?========n] – –

-u_ =========l/ l*d] jn lk|km/ ] G; k|lt z] o/ ?=========n] – –

!=$ k|:tfljt af] g; z] o/ ^),*#@,!*(=^( $^,)*$,((@=!(

!=% sN; Og P8efG; – –

hDdf /sd %^&,&^&,!)#=&^ %)^,(#$,(!$=)&

z] o/ :jfldTj ljj/ 0fo; jif{ ut jif{

∞ z] o/ k"+hL z] o/ k"+hL ∞

!= :jb] zL :jfldTj !))∞ %)^,(#$,(!$=)& $^),*$(,(@!=** !))=))∞ 1=1 g] kfn ;/ sf/ – – – – 1=2 s au{sf Ohfhtkqk|fKt ;+:yfx? – – – – 1=3 cGo Ohfhtkqk|fKt ;+:yfx? – – – – 1=4 cGo ;+:yfx? – – – – 1=5 ;j{;fwf/ )f $(∞ 248,398,107=89 225,816,461=72 49∞ 1=6 cGo ;+:yfks z] o/ %!∞ 258,536,806=18 235,033,460=16 51∞

@= j}b] lzs :jfldTj – – – –

hDdf !))∞ %)^,(#$,(!$=)& $^),*$(,(@!=** !))=))∞

gf] 6M dfly cg';"rLdf pNn] lvt ljj/ 0f cGtu{t )=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf] JolQm÷;d"x÷kmd{÷sDkgL eP, lghx¿sf] gfd, k|ltzt / / sd :ki6 v'nfpg' kg] {5 . k|ltzt pNn] v ubf{ z] o/ ;+Vofsf] cfwf/ df u0fgf ug'{kg] { 5 .

cf=j= @)&$÷&%24

s||=;+= z] o/ wlgx?sf] gfd;+:yfks z] o/

;+Vof;a{;fwf/ 0f z] o/ ;+Vof

hDdf z] o/ ;+Vof

k|ltzt z] o/

;+Vofsf] cfwf/ df

/ sd

1 hLjg k|;fb jemf 182,823=00 68,109=00 250,932=00 4=95 25,093,200=00

2 /fd]Zj/ k|;fb s;h" 219,756=00 81,868=00 301,624=00 5=95 30,162,400=00 3 /fh]Gb| k|;fb jemf 182,823=00 68,109=00 250,932=00 4=95 25,093,200=00 4 pHHjn k|;fb s;h" 182,823=00 68,109=00 250,932=00 4=95 25,093,200=00

5 kz'ktL k|;fb cdfTo 158,818=00 36,980=00 195,798=00 3=86 19,579,800=00

6 lj)ffb]jL >]i& 158,254=00 58,956=00 217,210=00 4=28 21,721,000=00 7 lvdfgGb Gof}kfg] 155,125=00 57,787=00 212,912=00 4=20 21,291,200=00 8 lanf; df]xg cf]emfyfG%] 141,494=00 49,256=00 190,750=00 3=76 19,075,000=00 9 dfof b]jL zfSo 88,350=00 48,469=00 136,819=00 2=70 13,681,900=00 10 z}n]Gb| k|;fb >]i& 70,038=00 44,030=00 114,068=00 2=25 11,406,800=00 11 s[i)f l#ld/] 98,688=00 36,326=00 135,014=00 2=66 13,501,400=00 12 *f= nf]s]Gb| b]j e§ 78,007=00 27,968=00 105,975=00 2=09 10,597,500=00 13 k|HHjn k|;fb s;h" 66,085=00 29,146=00 95,231=00 1=88 9,523,100=00 14 lrGtfd)fL kf)*] 84,947=00 32,621=00 117,568=00 2=32 11,756,800=00 15 /d]z k|;fb ef/L 61,460=00 21,191=00 82,651=00 1=63 8,265,100=00

16 o! k|;fb >]i& 73,868=00 24,520=00 98,388=00 1=94 9,838,800=00

17 lji)f" k|;fb s;h" 59,094=00 18,238=00 77,332=00 1=53 7,733,200=00 18 k|df]b k|;fb s;h" 64,555=00 24,768=00 89,323=00 1=76 8,932,300=00

19 /fh s"df/ >]i& 62,788=00 23,390=00 86,178=00 1=70 8,617,800=00

20 dx]Zj/ k|;fb >]i& 36,932=00 13,762=00 50,694=00 1=00 5,069,400=00

21 /ljGb| k|;fb s;h" 36,936=00 2,602=00 39,538=00 0=78 3,953,800=00

22 dlGb/f >]i& 25,409=00 13,210=00 38,619=00 0=76 3,861,900=00

23 d"s"Gbgfy ("é]n 23,639=00 11,006=00 34,645=00 0=68 3,464,500=00

24 /fd]Zj/ dfg alhdo 29,548=00 11,007=00 40,555=00 0=80 4,055,500=00

25 ljGb" k|;fb >]i& 18,467=00 6,878=00 25,345=00 0=50 2,534,500=00

26 b]a]Gb| k|;fb >]i& 95,396=00 – 95,396=00 1=88 9,539,600=00

27 d]#/fh sIfktL – 74,926=00 74,926=00 1=48 7,492,600=00

28 r"Gg k|;fb zdf{ – 48,699=00 48,699=00 0=96 4,869,900=00

29 afa"/fd ljZjsdf{ – 38,019=00 38,019=00 0=75 3,801,900=00

30 uf]s)f{ /fh aGhf*] – 36,588=00 36,588=00 0=72 3,658,800=00

31 pdf z+s/ dfnkfgL – 34,420=00 34,420=00 0=68 3,442,000=00

32 /]vf dfnkfgL – 27,019=00 27,019=00 0=53 2,701,900=00

33 lbks >]i& – 25,710=00 25,710=00 0=51 2,571,000=00

34 lgt]z dfnkfgL – 25,957=00 25,957=00 0=51 2,595,700=00

35 lg/~hg l;njfn 25,664=00 – 25,664=00 0=51 2,566,400=00

cg';"rL $=! -s_z] o/ k"+hL tyf :jfldTj ljj/ 0f

-@)&% cfiff9 d;fGt_

z] o/ k+'hL tyf :jfldTj cGt{ut )=%∞ jf ;f] eGbf al9 :jfldTj ePsf] AolQm÷;d"x÷kmd{÷sDkgLsf] ljj/ 0f

cf=j= @)&$÷&% 25

cg';"rL $=@

hu] 8f tyf sf] ifx? -@)&% cfiff9 d;fGt_

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

!= ;fwf/ 0f/ a}wflgs hu] 8f sf] if &#,*^),)%!=$% %*,^!!,$(!=!#

@= k"+hLut hu] 8f sf] if – –

#= k"+hL lkmtf{ hu] 8f sf] if (Capital Redemption Reserve) – –

$= k'+hL ;dfof] hg sf] if – –

%= cGo hu] 8f tyf sf] if !),@%^,%!%=%# @,)*@,#^!=(@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'g{d"Nofªs\g sf]if – – 5=6 :yug s/ hu]*f 8,173,143=90 – 5=7 cGo :jtGq sf]if – – 5=8 sd{rf/L ;DaGwL hu]*fx? 579,588=95 541,297=11

5=9 nufgL ;dfof]hg sf]if 587,174=34 %%&,%!@=$%5=10 ;+:yfut ;fdflhs pQ/bfloTj sf]if 916,608=34 (*#,%%@=#^

^= ;l~rt gfkmf÷-gf]S;fg_ $,($^,#^)=!^ !^,!^),!%^=#*

&= ;6xL 36a9 sf]if – –

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

cg';"rL $=#

C0fkq tyf a08 -@)&% cfiff9 d;fGt_


!= ================================== k|ltzt a08 / C0fkq k|lt a08 / C0fkq==========?= n] =======ldlt==============df hf/ L ePsf] / ldlt============df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve / sd ?==============_

– –

@= =========================== ======= k|ltzt a08 / C0fkq k|lt a08 / C0fkq================?= n] =======ldlt=====================df hf/ L ePsf] / ldlt============ df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve / sd ?==============_

– –

#= ================================= – –

hDdf !±@±#

gf]6M ;'/IF0fdf /flv C0f kq tyf a0f hfl/ ul/Psf] ePdf ;'/IF0fsf] ljj/0f v'nfpg' kg]{ 5 =

cf=j= @)&$÷&%26

cg';"rL $=$

ltg{ af+sL shf{ tyf ;fk6L -@)&% cfiff9 d;fGt_


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 ;+:yfx? – – 6= cGo – –

hDdf – –

v= ljb] zL – – 1= a}+s+x? – – 2 cGo – –

hDdf – –

hDdf -s±v_ – –

cf=j= @)&$÷&% 27

cg';"rL $=%

lgIf] k lx;fa -@)&% cfiff9 d;fGt_


!= Aofh ltg'{ gkg] { vftfx?

s= rNtL lx;fa 99,310,212=31 52,285,535=46

!= :jb] zL d'b|fdf ((,#!),@!@=#! %@,@*%,%#%=$^

1=1= g] kfn ;/ sf/ – –

1=2= æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? – –

1=3= cGo Ohfhtkqk|fKt ljQLo ;+:yfx? 301,170=00 3,347,950=00

1=4= cGo ;+ul&t ;+:yfx? 62,479,601=94 25,211,115=46

1=5= JolQmut 36,529,440=37 23,726,470=00

1=6= cGo –

@= ljb] zL d"b|fdf – –

1=1= g] kfn ;/ sf/ – –

1=2= æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? – –

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

1=4= cGo ;+ul&t ;+:yfx? – –

1=5= JolQmut – –

1=6= cGo – –

v= dflh{g #%,)))=)) #%,)))=))

1 sd{rf/ L hdfgt – –

2= hdfgt dflh{g 35,000=00 35,000=00

3= k|lttkq dflh{g – –

u= cGo – –

1= :jb] zL d'b|fdf – –

1=1= ljQLo ;+:yfx? – –

1=2= cGo ;+ul&t ;+:yfx? – –


2= ljb] zL d'b|fdf – –

2=1= ljQLo ;+:yfx? – –

2=2= cGo ;+ul&t ;+:yfx? – –


Aofh ltg'{ gkg] { vftx?sf] hDdf ((,#$%,@!@=#! %@,#@),%#%=$^

cf=j= @)&$÷&%28

ljj/ 0f o; aif{ ?= ut aif{ ?=@= Aofh ltg'{ kg] { vftfx?

s= art lx;fa @,@$@,*@*,@!@=@* 1,674,807,112=64

1= :jb] zL d'b|fdf 2,242,828,212=28 1,674,807,112=64 1=1= ;+# ;+:yfx? 76,738,962=28 64,353,022=64

1=2= JolQmut 2,166,089,250=00 1,610,454,090=00

1=3= cGo – –


2=1= ;+# ;+:yfx? – –


2=3= cGo –

v= d'2tL lx;fa @,!@^,@%@,(!@=** 1,667,374,180=69

1= :jb] zL d'b|fdf 2,126,252,912=88 1,667,374,180=69 1=1= ;+# ;+:yfx? 405,741,341=36 265,808,660=69 1=2= JolQmut 1,720,511,571=52 1,401,565,520=00

1=3= cGo – –


2=1= ;+# ;+:yfx? – –


2=3= cGo –

u= dfu] sf] avt ltg'{kg] { lx;fa 447,338,526=47 503,303,020=89 1= :jb] zL d'b|fdf 447,338,526=47 503,303,020=89

1=1= s ju{sf O{hfhtkqk|fKt ;+:yfx¿ – 1=2= cGo O{=k|f=ljQLo ;+:yfx¿ 26,828,230=00 93,994,780=00 1=3= cGo ;+ul&t ;+:yfx? 406,920,398=76 334,263,510=89

1=3= JolQmut 13,589,897=71 75,044,730=00

1=5= cGo – –


2=1= s ju{sf O{hfhtkqk|fKt ;+:yfx¿ – –

2=2= cGo O=k|f= ljQLo ;+:yfx? – –

2=3= cGo ;+ul&t ;+:yfx? – –

2=4 JolQmut – –

2=5= cGo – –

3= ;^{lkms] ̂ ckm l*kf] lh^ – –

1= ;+ul&t ;+:yfx? – –

2= JolQmut – –

3= cGo – –

Aofh ltg'{kg] { vftfx?sf] hDdf $,*!^,$!(,^%!=^# #,*$%,$*$,#!$=@@ -!±@_ hDdf lgIf] k $,(!%,&^$,*^#=($ #,*(&,*)$,*$(=^*

cf=j= @)&$÷&% 29

cg';"rL $=^

e'QmfgL lbg'kg] { ljnx?-@)&% cfiff9 d;fGt_

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

!= :jb] zL d'b|f – –

@= ljb] zL d'b|f – –

hDdf – –

cg';"rL $=&

cGo bfloTj -@)&% cfiff9 d;fGt_

ljj/ 0f o; jif{ ?= ut jif{ ?=1= k]G;g÷pkbfg sf]if 5,626,341=08 1,537,837=91

2= sd{rf/L ;~ro sf]if – –

3= sd{rf/L sNof)f sf]if – –

4= sd{rf/L jf]g; Joj:yf 10,230,070=16 13,796,412=75

5= sd{rf/L tflnd Joj:yfkg sf]if – –

6= lgIf]kdf e'QmfgL lbg af+sL Aofh 43,749,792=89 41,023,568=24

7= ;fk^Ldf e'QmfgL lbg af+sL Aofh – –

8= kf+sL g;s]sf] l*:sfpG^ / sldzg – –

9= ;)*«L qm]l*^;{ 5,560,925=27 7,471,496=26

10= zfvf ldnfg lx;fa – – 11= :yug s/ bfloTj – – 12= e'QmfgL lbg af+sL nfef+z – – 13= cGo 15,627,155=24 24,450,449=49e'QmfgL ug'{kg]{ clu|ds/sl§ 7,168,115=89 4,586,843=71 kl/kSj ePsf] d"@lt lgIf]k 189,053=29 4,286,602=63 sd{rfl/ labfsf] Aoj:yf 6,966,762=74 5,276,820=03 cGo 1,303,223=32 10,300,183=12

hDdf *),&($,@*$=^$ **,@&(,&^$=^%

cf=j= @)&$÷&%30

gub df}Hbft -@)&% cfiff9 d;fGt_

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

!= :jb] zL d'b|f -l;Ssf ;d] t_ !@@,%(@,&@#=^* !)&,@#!,%)(=)&

@= ljb] zL d'b|f -ef/ tLo d'b|f_ –

hDdf !@@,%(@,&@#=^* !)&,@#!,%)(=)&

cg';"rL $=(

g] kfn / fi6« a}sdf / x] sf] df}Hbft -@)&% cfiff9 d;fGt_

ljj/ 0f :jb] zL d'b|fljb] zL d'b|f ?= df

s"n ?= ut aif{ ?=ef= ?=

kl/ jTo{ lj=d"=

hDdf

! g] kfn / fi6« a}+s 175,713,510=45 175,713,510=45 185,341,094=29

s= rNtL vftf 175,713,510=45 – – – 175,713,510=45 185,341,094=29

v= cGo vftf – – – – – –

cg';"rL $=!)

a}+s tyf ljQLo ;+:yfdf / x] sf] df}Hbft -@)&% cfiff9 d;fGt_

ljj/ 0f :jb] zL d'b|fljb] zL d'b|f ?=df

s'n ? ut aif{ ?ef= ?=

kl/ jTo{ lj=d"=

hDdf

!= :jb] zL Ohfhtkqk|fKt ;+:yfx? 1,044,440,105=07 – – – 1,044,440,105=07 &&(,)#(,^*^=%)

s= rNtL vftf 1,044,440,105=07 – – – 1,044,440,105=07 &&(,)#(,^*^=%)

v= cGo vftf – – – – – –

@= ljb] zL a}+sx? – – – – – –

s= rNtL vftf – – – – – –

v= cGo vftf – – – – – –

hDdf 1,044,440,105=07 – – – 1,044,440,105=07 &&(,)#(,^*^=%)

gf] 6M ;DalGwt Ohfhtkq k|fKt ;+:yfx?sf] ;dy{gkq cg';f/ sf] s"n df}Hbft ?= !,!)@,(@$,!@^=$$ /x]sf] % .

cg';"rL $=*

cf=j= @)&$÷&% 31

cg';"rL $=!!

dfu tyf cNk ;"rgfdf k|fKt x'g] / sdx? -@)&% cfiff9 d;fGt_

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

!= :jb] zL d'b|fdf %*,$)@,%@)=&# ^%,!#),((^=##

@= ljb] zL d'b|fdf – –

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

cg;'rL $=!@

nufgL -@)&% cfiff9 d;fGt_

ljj/ 0fk|of] hg

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

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

2= g] kfn ;/ sf/ sf] jrt kq – – – –

3= g] kfn ;/ sf/ sf] cGo C)fkq – – – –

4= g] kfn / fi^« a}+s C)fkq – 105,000,000=00 105,000,000=00 75,000,000=00

5= ljb] zL C)fkq – – – –

6= :jb] zL Ohfhtkqk|fKt ;+:yf – – – –

7= ljb] zL a}+s – – – –

8= ;+ul&t ;+:yfx?sf] z] o/ – 29,358,717=00 29,358,717=00 27,875,622=27

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

10= cGo nufgL – – – –

s"n nufgL – !#$,#%*,&!&=)) !#$,#%*,&!&=)) !)@,*&%,^@@=@&

Joj:yf – ($&,&&*=!@ ($&,&&*=!@ !,$!(,*!*=#)

v"b nufgL – !##,$!),(#*=** !##,$!),(#*=** !)!,$%%,*)#=(&

cf=j= @)&$÷&%32

cg';

"rL $=!@

-s_

lj

j/)f

k/

n d"N

o ?=

ahf/ d

'No ?

= Jo

j:yf

/sd

?=

o; j

if{ ?

ut j

if{ ?

1= z]o/ nufgL

1=1 hg/n OG;"/]G; sDkgL - k|f= ln÷ ln_

–

–

2000 ;fwf/)f z]o/ k|ltz]o/ 100 n] r"Qmf

200,000=00

–

200,000=00

200,000=00

200,000=00

1=2 nIdL n#"laQ lalQo ;+:yf -k|f=ln÷ln_

–

–


8,200=00

103,212=00

–

8,200=00

1,600=00

1=3 l;$fy{ OSjL^L cf]l/G^]* -k|f=ln÷ln_

–

–


5,897,740=00

6,222,115=70

–

5,897,740=00

5,897,740=00

1=4 Pg=Pd=la z"ne Oge]i^d]G^ km)* -k|f=ln÷ln_

–

–


1,305,000=00

1,507,275=00

–

1,305,000=00

1,305,000=00

1=5 Pg=cfO{=la=Pn= ;Da[l$ km)* -k|f=ln÷ln_

–

–


3,477,820=00

3,529,987=00

–

3,477,820=00

3,477,820=00

1=6 a?( xfO{*«f] kfj/ sDkgL -k|f=ln÷ln_

–

–


1,000=00

1,500=00

–

1,000=00

1,000=00

1=7 hnlaB"t nufgL ljsf; s=ln=

–

–


1,448,200=00

2,244,710=00

–

1,448,200=00

1,448,200=00

1=8 Ñf$L xfO{*«f] kfj/ sDkgL -k|f=ln÷ln_

–

–


57,900=00

103,668=00

–

57,900=00

57,900=00

1=9 d]/f] n#"laQ lalQo ;+:yf ln=

–

–


4,100=00

62,640=00

–

4,100=00

4,100=00

1=10 vfgLvf]nf xfO{*«f] kfj/ sDkgL -k|f=ln÷ln_

–

–


1,600=00

1,712=00

–

1,600=00

1,600=00

1=11 rf}tf/L n#"laQ lalQo ;+:yf ln=

–

–


2,500,000=00

2,500,000=00

–

2,500,000=00

2,500,000=00

1=12 l;$fy{ OSjL^L cf]l/G^]* -k|f=ln÷ln_

–

–


9,677,480=00

9,251,670=88

425,809=12

9,677,480=00

5,317,922=40

1=13 a'^jn kfj/ sDkgL ln=

–

–


622,000=00

576,250=00

45,750=00

622,000=00

417,497=95

1=14 lrlnd] xfO{*«f] kfj/ sDkgL ln=

–


73,260=00

78,210=00

–

73,260=00

851,895=00

1=15 l*k|f]S; n#'laQ lalQo ;:+yf ln=

–


540,000=00

652,500=00

–

540,000=00

–

z] o

/ , l8

j] ~r

/ t

yf a

G8d

f nu

fgL

-@

)&%

cfif

f9 d

;fG

t_

cf=j= @)&$÷&% 33

1=16 nIdL n#"laQ lalQo ;+:yf -k|f=ln÷ln_

–


20,000=00

21,960=00

–

20,000=00

385,592=00

1=17 g]kfn nfOkm OG;"/]G; sDkgL - k|f= ln÷ ln_

–


2,414,160=00

2,143,050=00

271,110=00

2,414,160=00

2,538,429=03

1=18 cf/ o; l* ;L n#'laQ lalQo ;:+yf ln=

–


726=00

555=00

171=00

726=00

175=00

1=19 :jb]zL n#'laQ lalQo ;:+yf ln=

–


6,656=00

21,710=00

–

6,656=00

1,200=00

1=20 ;f]N^L xf]^n ln=

–


20,169=00

20,169=00

–

20,169=00

192,115=00

1=21 ;u/dfyf OG;"/]G; sDkgL - k|f= ln÷ ln_

–


441,000=00

469,000=00

–

441,000=00

–

1=22 l;$fy{ OG;"/]G; sDkgL - k|f= ln÷ ln_

–


47,678=00

42,780=00

4,898=00

47,678=00

497,794=90

1=23 ;fgf ls;fg lasf; a}s - k|f= ln÷ ln_

–


553,527=00

596,240=00

–

553,527=00

1,017,718=26

1=24 dFx'ln ;fd'lxs n#'laQ lalQo ;:+yf ln=

–


11,805=00

13,050=00

–

11,805=00

1,000=00

1=25 km:^ dfOqmf] kmfO{gfG; *]enkd]G^ ;:+yf ln=

–


13,286=00

14,040=00

–

13,286=00

408,355=80

1=26 g]sf] OG;"/]G; sDkgL - k|f= ln÷ ln_

–


14,840=00

15,540=00

–

14,840=00

567,319=65

1=27 k|fOd nfIkm OG;"/]G; sDkgL - k|f= ln÷ ln_

–


570=00

530=00

40=00

570=00

783,647=28

2= l*j]~r/ tyf jG* nufgL

–

–

2=1 ======sDkgL -k|f=ln÷ln_

–

–

=== k|ltzt l*j]~r/ ÷ jG* k|lt l*j]~r/ ÷ aG* ======?= n]

–

–

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

–

–

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

–

–

s'n nufgL

29,358,717=00 30,194,074=58

947,778=12

29,358,717=00

27,875,622=27

3= hf]lvd ;DjGwL Joj:yf

–

–

3=1 ut aif{ ;Ddsf Joj:yf

1,419,818=30

1,419,818=30

200,000=00

3=2 o; aif{sf] yk÷#^

-472,040=18

(472,040=18)

1,219,818=30

s'n Aoj:yf

947,778=12

1,419,818=30

v'b nufgL

29,358,717=00 30,194,074=58

947,778=12

28,410,938=88

26,455,803=97

gf]6

M pk/

f]Qm sDk

gL d

Wo] h

g/n O

{G;f]/]G;

sDk

gLaf

6 ljut #

aif{b

]vL nfe

f+z k

|fKt e

Psf] 5}g

= ah

f/ d

"No p

knAw

gePs

f sDk

gLsf] xs

df ls

tfa

L d"No

nfO{ g

} ahf/ d

"No h

gfO{P

sf] 5 =

cf=j= @)&$÷&%34

g] =/ f=a}= lgb{] z

g $=!@=!

Jofk

fl/ s

nu

fgL (

Hel

d Fo

r Tr

adin

g)-@

)&%

cfif

f9 d

;fG

t_

ljj/

0fk/

n d'N

okl5N

nf] a

hf/

d'No

-s_

xfns

f] ah

f/ d

'No

-v_

o; j

if{ gfkmf÷

-gf] S;f

g_

/ sd

-v=s

=_

ut j

if{ gfkmf÷

-gf] S;f

g_

/ sd

1= g] kfn ;/ sf/ sf] ^«] h/ L ljn

––

2= g] kfn ;/ sf/ sf] jrtkq

–

–

3= g] kfn ;/ sf/ sf] cGo C)fkq

––

4= g] =/ f= a}+s C)fkq

––

5= ljb] zL C)fkq

––

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

––

7= :jb] zL Ohfhtkqk|fKt ;+:yfsf] l*a] Gr/ tyf a)*

––

8= :jb] zL ;+ul&t ;+:yfsf] z] o/ , l*a] Gr/ tyf a)*

––

9= lab] zL a}s nufgL

(Pla

cem

ent)

––

10=

Inte

rban

k Le

ndin

g

11= cGo nufgL

––

s"n

nufgL

)=))

)=))

)=))

)=))

)=))

cf=j= @)&$÷&% 35

g] =/ f=a}= lgb{] z

g $=!@=@

e'Q

mfg

L ld

lt;

Dd w

f/ 0f

ug

{] nu

fgL (

Hel

d To

Mat

urity

)-@

)&%

cfif

f9 d

;fG

t_

ljj/

0fk/

n d"N

o -s

_xfn;

Ddsf]

Iflt

/ sd

-v_

o; j

if{sf] Ifl

t / s

d -u

_o;

jif{

gfkmf÷

-gf] S;f

g_ /

sd

-s–v

–u_

ut j

if{ gfkmf÷

-g

f] S;f

g__ / s

d

1= g] kfn ;/ sf/ sf] ^«] h/ L ljn

–


–


–

4= g] =/ f= a}+s C)fkq

–

5= ljb] zL C)fkq

–


–


–


–

9= lab] zL a}s nufgL -P

lace

men

t_–

10= cGo nufgL

–

s"n

nufgL

)=))

)=))

)=))

)=))

)=))

cf=j= @)&$÷&%36

g] =/ f=a}= lgb{] z

g $=!@=#

laq

mLs

f] nflu

pkn

Aw n

ufg

L (Av

aila

ble

for

Sale

s)-@

)&%

cfif

f9 d

;fG

t_

ljj/

0fk/

n d"N

okl5N

nf] a

hf/

d"No

-s_

xfns

f] ah

f/

d"No

-v_

o; j

if{ s

f]if

;dof]hg

/s

d -v

-s_

ut j

if{ g

fkmf÷

-gf]S;f

g_ /

sd

1= g] kfn ;/ sf/ sf] ^«] h/ L ljn

–


–


–

4= g] =/ f= a}+s C)fkq

–

5= ljb] zL C)fkq


6,481,499=00

6,562,922=00

0=00

–


–


22,877,218=00

–

23,631,152=58

0=00

–

9= lab] zL a}s nufgL -P

lace

men

t_–

10= cGo nufgL

–

s"n

nufgL

@(,#%*

,&!&

=))

)=))

#),!($

,)&$

=%*

)=))

)=))

cf=j= @)&$÷&% 37

sh

f{, ;

fk6,

ty

f lan

vl/

b j

uL{s

/ 0f /

;f] s

f] nflu

Jo

j:y

f -@

)&%

cfif

f9 d

;fG

t_

ljj/

0f

shf

{ v/ Lb

tyf l8

:sfp

G6

ul/ P

sf ljN;

o; j

if{ ?

ut j

if{ ?=

:jb] z

Lljb] z

LhD

df:j

b] zL

ljb] z

LhD

dfk|fylds

If] ] q

cGo

ljldt

cljldt

!

;lqmo

shf

{ ;fk6

(Per

form

ing)

–

242,815,631=39

3,675,754,257=10

–

3,918,569,888=49

–

–

–

3,918,569,888=49

3,221,800,128=48

!

=! c;n

–

242,815,631=39

3,669,850,059=92

–

3,912,665,691=31

–

–

–

3,912,665,691=31

3,219,245,915=12

!

=@ z

'Id lgu

/ fgL

– 5,904,197=18

–

5,904,197=18

–

–

–

5,904,197=18

2,554,213=36

@

lgl:q

mo s

hf{ ;

fk6

(Non

Per

form

ing)

–

–

11,660,309=43

–

11,660,309=43

–

–

–

11,660,309=43

24,369,509=42

@=!

c;nsf] k'g

/ tfln

sLs

/ 0f÷

k'g/ ;

+/ rgf

–

–

–

-

–

–

–

– –

@=@

sd;

n –

–

9,975,960=72

–

9,975,960=72

–

–

–

9,975,960=72

21,927,304=46

@=#

z+sf:k

b –

–

1,684,34

8=71

–

1,684,34

8=71

–

–

–

1,684,34

8=71

1,949,598=80

@=$ v

/ fj

–

–

–

-

–

–

–

– 492,606=16

-s

_ s'n

shf

{ -!±

@_ –

242,815,631=39

3,687,414,566=53

–

3,930,230,197=92

–

–

–

3,930,230,197=92

3,246,169,637=90

# s

hf{ g

f] S;f

gL Joj

:yf

–

–

–

–

#=!

c;n

–

2,428,156=31

36,698,500=61

–

39,126,656=92

–

–

–

39,126,656=92

32,192,459=15

#=@

;'Id

lgu

/ fgL

295,209=86

– 295,209=86

––

– 295,209=86

127,710=67

#=#

k'g/ t

flnsLs

/ 0f÷

k'g/ ;

+/ rgf

–

–

–

–

-

–

–

–

–

–

#=$ s

d;n

–

–

2,493,990=18

–

2,493,990=18

–

–

–

2,493,990=18

5,481,826=12

#=%

z+sf:k

b –

–

842,174=36

–

842,174=36

–

–

–

842,174=36

974,799=41

#=^

v/ fj

–

–

–

-

–

–

–

– 492,606=16

#=&

cltl/ Qm Jo

j:yf

–

–

175,814=92

–

175,814=92

–

–

–

175,814=92

134,071=39

-v_ s"n

Joj:

yf –

2,428,156=31

40,505,689=93

–

42,933,846=24

–

–

–

42,933,846=24

39,403,4

72=90

$ u

t a

if{;Dd

sf] Jo

j:yf

–

–

–

–

$=! c

;n

–

5,796,060=7

26,396,398=45

–

32,192,459=15

–

–

–

32,192,459=15

27,205,159=29

$=@ ;

'Id lgu

/ fgL

127,710=67

–

127,710=67

–

–

–

127,710=67

116,932=66

$=# k

'g/ tfln

sLs

/ 0f÷

k'g/ ;

+/ rgf

–

–

–

–

-

–

–

–

–

–

$=$

sd;

n –

– 5,481,826=12

–

5,481,826=12

–

–

–

5,481,826=12

–

$=%

z+sf:k

b –

–

974,799=40

–

974,799=40

–

–

–

974,799=40

762,837=26

$=^ v

/ fj

–

– 492,606=16

–

492,606=16

–

–

–

492,606=16

70,474=09

$=&

cltl/ Qm Jo

j:yf

–

134,071=39

–

134,071=39

–

–

–

134,071=39

76,471=44

-u_

ut

aif{ ;D

dsf] s"n

Joj:

yf –

5,796,060=70

33,607,412=19

–

39,403,4

72=89

–

–

–

39,403,4

72=89

28,231,874=74

-3_

o;a

if{sf] Jo

j:yf

af6

lkmtf{

–

–

– 17,409,710=95

– –

– 17,409,710=95

7,503,591=95

-ª_

o;

aif{s

f] yk

Aoj

:yf

–

(3,367,904=39)

6,898,277=74

–

20,940,084=30

–

–

–

20,940,084=30

18,675,190=12

o

; ai

f{sf] v'b

yk36

(3,367,904=39)

6,898,277=74

–

3,530,373=35

–

–

–

3,530,373=35

11,171,598=17

v'b

shf

{ -s–v

_ 240,387,475=08

3,646,908,876=60

–

3,887,296,351=68

–

–

–

3,887,296,351=68

3,206,766,165=00

cg';

"rL $=!#

cf=j= @)&$÷&%38

cg';"rL $=!# -s_

shf{ ;fk6 tyf ljN; v/ Lbsf] ;'/ If0f -@)&% cfiff9 d;fGt_

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

-s_ ;'/ lIft #,(#),@#),!(&=(@ #,@$^,!^(,^#&=()

1 rn÷crn ;DklQsf] ;'/ If)fdf 3,798,182,622=42 3,095,230,176=14

2 :jb] zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf 75,000,000=00 50,000,000=00

3 ;/ sf/ L hdfgt – –

4 cGt/ f{li^«o >] )fLs[t a}+ssf] hdfgtdf – –

5 lgof{t sfuhft (Export Document) sf] ;'/ If)fdf – –

6 d'@tL / l;bsf] ;'/ If)fdf – – s_ ;+:yfsf] cfkm\g} d'@tL / ;Lbsf] ;'/ If)f 56,168,500=92 100,269,104=83

v_ cGo Ohfhtkqk|fKt ;+:yfsf] d'@tL / ;Lbsf] ;'/ If)f – –

7 ;/ sf/ L C)fkqsf] ;'/ If)fdf – – 8 sfpG^/ hdfgtdf – – 9 JolQmut hdfgtdf -;+:yfut_ 879,074=58 670,356=93

10 cGo ;'/ If)fdf – –

-v_ c;'/ lIft – –

hDdf #,(#),@#),!(&=(@ #,@$^,!^(,^#&=()

cf=j= @)&$÷&% 39

cg';

"rL $=!$

l:y

/ ;

DklQ

-@

)&%

cfif

f9 d

;fG

t_

ljj/

0f;D

klQ

o; j

if{ ?=

ut j

if{ ?=

ejg

kl/ j

xg ;

fwg

dlzg/

L s

fof{n

o ;f

dfg

cGo

!= k

/ ndf

] n-s_ ut jif{sf] df}Hbft

@,(%

),))

%=))

$,#*#

,%#*

=(# %

,#%(

,*($

=&(

!^,$

*&,*

($=!#

–@(

,!*!

,##@

=*%

@$,%%@

,(#(

=#!

-v_ o; jif{ yk

– 1,125,000=00

3,985,312=55 17,233,075=84

– 22,343,388=39

11,673,604=69

-u_ o; jif{ k'gd"{Nofs+g÷k'gn] {vg

–

–

–

–

–

–

-#_ o; jif{sf] laqmL

– -60,148=87_

– -457,117=32_

–

-517,266=19_

-195,675=00_

-ª_ o; jif{sf] ckn] vg

–

–

-75,928=34_

–

-75,928=34_

-390,924=37_

s"n

-s±v

±u±3

±ª_ k/

ndf] n

2,950,005=00

5,448,390=06 9,34

5,207=34

33,187,924=31

–

50,931,526=71

35,639,944=63

@= X

f;s§L

–-s_ ut jif{ ;Ddsf]

–

–

–

–

– –

–

-v_ o; jif{sf]

147,500=25

1,063,042=12

1,261,292=83

7,615,788=85

– 10,087,624=05

6,458,611=78

-u_ Xf;s§L k'gd"{Nofs+g÷k"gn] {vg

–

–

–

–

–

–

–

-#_ Xf;s§L / sd ;dfof] hg÷lkmtf{

–

–

–

–

–

–

–

s"n

Xf;s

§L 147,500=25

1,063,042=12

1,261,292=83

7,615,788=85

– 10,087,624=05

6,458,611=78

#= a

's E

ofn'

-WD

V*_ -

! - @_

2,802,504=75

4,385,347=94 8,083,914=51

25,572,135=46

– 40,843,902=66

29,181,332=84

4= hUuf

––

––

– 134,522,000=00 75,584,000=00

5= k+'hLut lgdf{)f -k+'hLs/ )f ul/ g' kg] {_

–

–

–

–

–

–

–6= nLh xf] N* ;DklQ

––

––

– 8,959,066=50

5,889,040=33

hDd

f -#±$±%±

^_ 2,802,504=75 4,385,347=94 8,083,914=51 25,572,135=46

– 184,324,969=17 110,654,373=16

* W

ritte

n D

own

Valu

e

cf=j= @)&$÷&%40

cg';

"rL $=!%

u

}/ a}+l

s·

;Dk

lQ -@

)&%

cfif

f9 d

;fG

t_

C0fL

jf kf6L{sf]

gfd

7] uf

gfu}/

a}+ls

· ;D

klQ

;sf/ u

/ ] sf] ldlt

s'n

u}/ a

}+ls·

;D

klQ

/ sd

? gf] S;

fgL

Joj

:yf

v'b

u}/ a

}+ls·

;DklQ

?=

ut a

if{ ?=

k|ltz

t/ s

d ?=

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

–

s

"n hD

df

cf=j= @)&$÷&% 41

cGo ;DklQ -@)&% cfiff9 d;fGt_

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

1= d;nGb df}Hbft 1,605,914=84 1,388,526=92

2= nufgLdf c;'n ug{ af+sL cfDbfgL – –

3= shf{df c;'n ug{ af+sL Jofh 1,913,155=63 2,531,722=32

Go'g Aofh d"NtjL / sd (1,913,155=63) -2,531,722=32_

4= c;'n ug{ af+sL sldzg – –

5= ;)*«L *] ̂;{ 5,102,540=81 1,870,977=14

6= sd{rf/ L ;fk^L / k] ZsL 14,990,399=35 10,322,919=13

7= cu|Ld e'QmfgL 760,148=19 673,648=51

8= dfu{:y gub – –

9= dfu{:y cGo -r] s ;d] t_ – –

10= ljgf ;'rgf *"fkm\^sf] e"QmfgL – –

11= ckn] vg x'g jf+sL vr{ – –

-s_ sDo'^/ ;km\^j]o/ 1,506,956=50 953,457=00

-v_ z]o/ hf/L vr{ 1,142,848=82 1,783,325=90

12= zfvf ldnfg lx;fj – –

13= :yug s/ ;DklQ 8,173,143=90 3,296,810=00

14= cGoM 17,127,801=60 17,006,741=00

cu|Ld cfos/ s/ v'b 4,411,194=07 3,244,714=91

cGo 12,716,607=53 13,762,026=09

hDdf %),$)(,&%$=)! #&,@(^,$)%=^)

cg';"rL $=!^ -s_

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

ljj/ 0fo; jif{ ?=

ut jif{ ?=! Jfif{ ;Dd

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

# jif{ eGbf dfly

hDdf

!= shf{df c;'n ug{ af+sL Aofh 1,913,155=63 – – 1,913,155=63 2,531,722=32

@= ljgf ;'rgf 8«fkm\6sf] e'QmfgL – – – – –

#= zfvf ldnfg lx;fj – – – – –

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

cg';"rL $=!^

cf=j= @)&$÷&%42

;Defljt bfloTjx? -@)&% cfiff9 d;fGt_

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

1= ;+:yfpk/ bfjL k/ ] sf] t/ ;+:yfn] bfloTj :jLsf/ gu/ ] sf] – –

2= k|lttkqx? -k"/ f / sd_ – –

-s_ 6 dlxgf eGbf sd cjlwsf] – –

-v_ 6 dlxgf eGbf a(L cjlwsf] – –

3= k'gM l*:sfpG^ ul/ Psf ljnx? – –

4= Dofb gfl#g;s] sf] Uof/ ] G^L÷a)* – –

-s_ la* a)* – –

-v_ k/ km/ d] G; a)* 450,000=00 950,000=00

-u_ cGo Uof/ ] )^L÷a)* – –

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

6= km/ jf*{ PS:r] ~r 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|ltj$tf (Underwriting Commitment) – –

10= ckl/ jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment) 235,008,515=45 173,686,880=00

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

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

13= shf{ k|jfxsf] nfuL ljQLo hdfgt (Financial Guarantee) 14,800,000=00 7,000,000=00

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

15= cGo ========================================== – –

hDdf @%),@%*,%!%=$% !*!,^#^,**)=))

cg';"rL $=!&

cf=j= @)&$÷&% 43

cg';"rL $=!*

Aofh cfDbfgLldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd


s= shf{ ;fk6 / clwljsif{0fdf 505,704,325=36 391,686,714=62

1= shf{ ;fk^ 505,704,325=36 391,686,714=62

2= clwljsif{ – –

v= nufgLdf 3,589,500=00 2,617,500=00

1= g] kfn ;/ sf/ sf] ;'/ If)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 3,589,500=00 2,617,500=00

4= l*j] Gr/ tyf a)* – –

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? – –

3= dfu tyf cNk ;'rgfdf k|fKt x"g] df}Hbftdf 51,030,989=78 41,215,730=38

1= :jb] zL a}+s÷ljQLo ;+:yfx? 51,030,989=78 41,215,730=38

2= ljb] zL a}+sx? – –

ª= cGodf

1= ;l^{lkms] ̂ ckm l*kf] lh^ – –

2= cGt/ a}+s÷ljQLo ;+:yf shf{ – –

3= cGo – –

hDdf %^),#@$,*!%=!$ $#%,%!(,($%=))

cf=j= @)&$÷&%44

cg';"rL $=!(

Jofh vr{ldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd


s lgIf] k bfloTjdf 377,320,339=36 229,710,346=48

! d'2tL lgIf] k 213,744,039=13 108,838,092=29

1=1 :jb] zL d'b|f 213,744,039=13 108,838,092=29

1=2 ljb] zL d'b|f – –

@ jrt lgIf] k 139,395,039=77 92,596,327=51

2=1 :jb] zL d'b|f 139,395,039=77 92,596,327=51

2=2 ljb] zL d'b|f – –

# dfu] sf] avt ltg'{kg] { lgIf] k 24,181,260=46 28,275,926=68

3=1 :jb] zL d'b|f 24,181,260=46 28,275,926=68

3=2 ljb] zL d'b|f – –

$ ;l6{lkms] 6 ckm l8kf] lh6;\ – –

v shf{ ;fk6df – –

1 C)fkq tyf aG* – –

2 g] kfn / fi^« a}+saf^ k|fKt shf{ – –

3 cGt/ a}s÷ljQLo ;+:yf shf{ – –

4 cGo ;+ul&t ;+:yf – –

5 cGo shf{

u cGodf

1= ====================

2= ====================== – –

hDdf #&&,#@),##(=#^ @@(,&!),#$^=$*

cf=j= @)&$÷&% 45

cg';"rL $=@)

sldzg tyf l8isfp06ldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd


s ljN; v/ Lb tyf l8:sfp06 – –

1 :jb] zL – –

2 ljb] zL – –

v sldzg 3,939,512=83 3,939,279=38

1 k||lttkq – –

2 hdfgt kq 76,500=00 88,500=00

3 sn] S;g kmL – –

4 / ] ld^] G; kmL 3,863,012=83 3,850,779=38

5 qm] l*^ sf*{ – –

6 z] o/ k|Toe"lt÷lgisfzg – –

7 ;/ sf/ L sf/ f] jf/ jfkt – –

8 O=k|f= sldzg jfkt – –

9 a§f cfDbfgL – –

u cGo 1,780,075=43 !,)*!,&(&=((

hDdf %,&!(,%**=@^ %,)@!,)&&=#&

cg';"rL $=@!

cGo ;+rfng cfDbfgLldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd

ljj/ 0f o; aif{ ?= ut aif{ ?= 1= ;] km l*kf] lh^ eN^sf] ef*f 282,000=00 200,000=00

2= qm] l*^ sf*{ lg:sfzg tyf gjLs/ )f –

3= ATM sf*{ lg:sfzg tyf gjLs/ )f 382,150=00 397,374=78

4= ^] n] S;÷l^=l^= – – 5= ;] jf z'Ns 34,956,967=68 24,540,131=19

6= gjLs/ )f z'Ns – 7= cGo 2,371,228=17 1,366,302=59

hDdf #&,((@,#$%=*% @^,%)#,*)*=%^

cf=j= @)&$÷&%46

cg';"rL $=@@

;6xL 36a9 cfDbfgL÷gf] S;fgLldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd


1= ljlgdo b/ df ePsf] km/ saf^ – –

2= ljb] zL d'b|f sf/ f] af/ af^ -a^|^f afx] s_ – –

hDdf cfDbfgL÷-gf] S;fg_ – –

cg';'rL $=@#

sd{rf/ L vr{ldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd


1= tnj 26,000,226=86 15,789,249=25

2= eQf 20,360,610=91 13,411,196=59

3= ;~rosf] ifdf yk 1,955,295=55 1,340,560=19

4= tflnd vr{ 1,005,528=03 474,446=07

5= kf] zfs 419,500=00 306,453=15

6= cf}ifwf] krf/ 233,161=71 216,464=04

7= jLdf 145,398=83 122,940=76

8= k] G;g tyf pkbfg Joj:yf 4,193,347=41 362,875=00

9= cGo -;+lrt labf vr{_ 4,052,056=94 2,769,810=78

hDdf %*,#^%,!@^=@$ #$,&(#,((%=*#

cf=j= @)&$÷&% 47

cg';"rL $=@$

cGo ;+rfng vr{ldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd

ljj/ 0f o; aif{ ?= ut aif{ ?=1= #/ ef*f 7,720,941=91 5,394,380=41

2= jQL, ljh'nL / kfgL 2,577,909=94 1,815,062=97 3= dd{t tyf ;Def/ s= ejg – – v= ;jf/ L ;fwg 217,287=55 201,018=36 u= cGo 12,280=00 155,712=62 4= jLdf 4,022,740=27 3,271,610=35 5= kf] i^] h, ^] n] S;, ^] lnkmf] g, km\ofS; 2,983,385=87 2,148,654=06 6= sfof{no pks/ )f kmlg{r/ / ;Def/ 464,814=41 296,623=18 7= e|d)f eQf / vr{ 693,400=00 696,688=30 8= d;nGb / %kfO{ 2,430,099=56 1,542,754=94 9= kqklqsf tyf k':ts 78,858=93 72,658=40 10= lj!fkg 1,482,248=55 1,184,855=30 11= sfg"gL vr{ 2,000=00 3,000=00 12= rGbf 41,111=00 33,760=00

13= ;~rfns ;ldlt ;DaGwL vr{ – – s= a}&s eQf 292,500=00 339,000=00 v= cGo vr{ 12,148=05 9,182=00 14= ;fwf/ )f ;ef ;DaGwL vr{ 345,503=36 259,192=16 15= n] vfk/ LIf)f ;DaGwL s= n] vfk/ LIf)f z'Ns 600,000=00 600,000=00

v= cGo vr{ 86,303=95 56,762=15

16= / sd :yfgfGt/ sldzg – – 17= l:y/ ;DklQdf Xf; s§L 10,087,624=05 6,458,611=7818= k"j{ ;+rfng vr{ ckn] vg – – 19= z] o/ lgisfzg vr{ 614,747=18 493,862=07 20= k|fljlws ;] jf ;f] wegf{ 1,078,904=83 1,125,945=60 21= dgf] / Ghg vr{ 669,984=67 510,167=2922= ckn] vg vr{ 3,267,304=48 3,171,423=91 23= ;'/ Iff vr{ 7,365,402=05 5,825,977=00 24= shf{ ;"/ If)f lk|ldod – –25= sldzg / l*:sfpG^ 1,061,541=44 839,192=46 26= ;+:yfut ;fdflhs pQ/bfloTj vr{ 829,372=04 –26= cGo ====================== 5,173,021=50 3,349,801=34

hDdf %$,@!!,$#%=%( #(,*%%,*(^=^%

gf] 6M vr{x? hgfp“bf h'g k|of] hgsf] nflu vr{ ePsf] xf] ;f] xL zLif{sdf vr{ hgfpg' k5{ . cGo ;fdfGo zLif{sdf

ufEg kfOg] 5}g . h:tf] ;+rfns ;ldltsf] a}7ssf] l;nl;nfdf ePsf] oftfoft vr{, ;+rfns ;ldlt ;DaGwL vr{

cGt/ ut cGo vr{df hgfpg' kg] {5 .

cf=j= @)&$÷&%48

cg';"rL $=@%

;Defljt gf] S;fgL Joj:yfldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd


!= shf{ gf] S;fgL Joj:yfdf ePsf] a[4L @),($),)*$=#) !*,^&%,!()=!!

@= nufgL gf] S;fgL Joj:yfdf ePsf] a[4L %#&,^%%=(@ !,@!(,*!*=#)

#= u}/ a}+lsu ;DklQ gf] S;fgL Joj:yf – –

$= cGo ;DklQdf ul/ Psf] Joj:yf – –

hDdf @!,$&&,&$)=@@ !(,*(%,))*=$!

cg';"rL $=@^

u}/ ;+~rfng cfDbfgL÷gf] S;fgldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd

ljj/ 0f o; aif{ ?= ut aif{ ?=1= nufgL laqmLdf cfDbfgL÷-gf] S;fg_ – –2= ;DklQ laqmLaf^ cfDbfgL÷-gf] S;fg_ -201,306=19_ –3= nfe+fz 1,650,563=05 !,$^&,#^$=^(4 g] kfn / fi^« a}+saf^ k|fKt ;x'lnot – – s= tf] lsPsf] zfvfx?sf] gf] S;fg jfkt Ifltk"lt{ – – v= Aofh Ifltk"lt{ – – u ;^xL sfpG^/ – –5= cGo – –

v'b u}/ ;+rfng cfDbfgL÷-gf] S;fg_ !,$$(,@%^=*^ !,$^&,#^$=^(

cg';"rL $=@&

;Defljt gf] S;fgL Joj:yfaf6 lkmtf{cfly{s jif{ @)&$÷)&%

ljj/ 0f o; aif{ ?= ut aif{ ?=1= shf{ gf] S;fgL Joj:yfaf^ lkmtf{ 17,409,710=95 &,%)#,%(!=(%2= u}/ a}+lsu ;DklQ gf] S;fgL Joj:yfaf^ lkmtf{ – –3 nufgL Joj:yfaf^ lkmtf{ 1,009,696=10 –

4 cGo ;DklQsf] Joj:yfaf^ lkmtf{ – –

hDdf !*,$!(,$)&=)% &,%)#,%(!=(%

cf=j= @)&$÷&% 49

cg';"rL $=@*

c;fdfGo sf/ f] jf/ x¿af6 ePsf] cfDbfgL÷vr{ldlt @)&$÷)$÷)! b] lv @)&%÷)#÷#@ ;Dd

ljj/ 0f o; aif{ ?= ut aif{ ?=1= ckn] vg ePsf] shf{sf] c;'nL – –

2= :j] l%s cjsfz vr{ – –

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

4= cGo vr{÷cfDbfgL – –

5= ==================== – –

hDdf – –

cg';"rL $=@* -s_

ckn] lvt shf{sf] ljj/ 0f -cfly{s jif{ @)&$÷)&%_

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

lwtf] sf] k|sf/ tyf / sd

lwtf] d"Nof+sgsf]

cfwf/

shf{ :jLs[t ug] {

clwsf/ L÷tx

shf{ c;"nLsf nflu eP u/ ] sf k|of;

s}lkmot

1= rfn' k"+hL shf{

2= kl/ of] hgf shf{

3= l:y/ k"+hL shf{

4= AolQmut shf{

5= cGo shf{

s"n shf{

gf] 6M cfly{s jif{e/ Ldf ckn] vg ul/ Psf] shf{sf] ljj/ 0f dfly pNn] v ug'{ kg] {5 =

cf=j= @)&$÷&%50

cg';

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–

@

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–

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cf=j= @)&$÷&% 51

k+"hLsf] if tflnsf -s ju{ afx] s_-@)&% cfiff9 d;fGt_

?= xhf/ df

ljj/ 0f o; aif{ ut aif{-s_ k|fylds k"+hL 645,430=66 596,351=11 1_ r'Qmf k+"hL -;fwf/ )f z] o/ _ 506,934=91 460,849=92 2_ k|:tfljt af] g; z] o/ 60,832=19 46,084=99 3_ z] o/ lk|ldod – – 4_ lkmtf{ gx'g] cu|lwsf/ z] o/ – – 5_ ;fwf/ )f hu] *f sf] if 73,860=05 78,336=18 6_ ;l~rt gfkmf÷-gf] S;fg_ 4,946=36 16,160=16

7_ jf;nftdf b] vfOPsf] rfn" cf=a= sf] gfkmf–gf] S;fg lx;fasf] / 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? 8,173=14 –

36fpg] M – –

– Voflt (Goodwill) jfktsf] / sd -8,173=14_ -3,296=81_

– Deferred tax assets – – – ;Ldf eGbf a(L z] o/ , ;'/ If)fkqdf nufgL ul/ Psf] / sd – – – ljQLo :jfy{ / x] sf] sDkgLsf] lwtf] kqdf ul/ Psf] / sd -1,142=85_ -1,783=33_

– cjf:tljs ;DklQ z] o/ lgisfzg vr{– 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 lasf;df nufgL u/ ] sf] / sd– tf] lsPsf] ;doleq laqmL ljt/ )f ug{] g;s] sf] z] o/ k|Tofe'lt– k|rlnt P] g tyf sfg'gn] k|ltaGw u/ ] sf] AolQm tyf ;d'xx?nfO{ k|bfg u/ ] sf] shf{ tyf ;"ljwfx?

– –

-v_ k'/ s k+"hL 40,184=85 33,011=75 1_ c;n shf{sf] nfuL ul/ Psf] shf{ gf] S;fgL Joj:yf 39,421=87 32,320=17 2_ cltl/ Qm shf{ gf] S;fgL Aoj:yf 175=81 134=07 3_ xfOlj|* k+"hL pks/ )fx? – – 4_ ;'/ If)f g/ flvPsf] ;xfos cfjlws C)f – – 5_ ;^xL ;dLs/ )f sf] if – – 6_ ;DklQ k'g{d'Nof°g sf] if – – 7_ nufgL ;dfof] hg sf] if 587=17 557=51

-u_ hDdf k+""+hLsf] if -s ± v_ 685,615=51 629,362=86

-3_ Hff] lvd efl/ t ;DklQsf] cfwf/ df sfod ug'{kg{] Go"gtd k+"hLsf] if k+"hLsf] if -11=00 k|ltzt_ 13=86 15=64 k|fylds k+"hL -5=5 k|ltzt_ 13=04 14=80 k"+hLsf] if -clws÷Go"g_ ==================k|ltztn] 2=86 4=64 k|fylds k+"hL -clws÷Go"g_ =================k|ltztn] 7=54 9=30

cg';"rL $=#)

cf=j= @)&$÷&%52

hf] lv

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)∞ 122,592=72

– 107,231=51

– ;'g -ljlgdo of] Uo_

)∞ –

––

–

g] kfn / fi^« a}+sdf / x] sf] df}Hbft

)∞ 175,713=51

–

185,341=09

–

g] kfn ;/ sf/ sf] C)fkqdf ul/ Psf] nufgL

)∞ –

– –

– g] kfn / fi^« a}ssf] C)fkqdf ul/ Psf] nufgL

)∞ 105,000=00

– 75,000=00

– cfkm\g} d'@tL / l;bsf] lwtf] df k")f{ ;'/ lIft x'g] u/ L

k|bfg ul/ Psf] / l;b lwtf] s

hf{

)∞ 56,168=50

– 100,269=10

–

;/ sf/ L C)fkqsf] lwtf] df k")f{ ;/ lIft x'g] u/ L k|bfg ul/ Psf] shf{

)∞ –

–

– –

art kqsf] kfpg' kg{] Jofh / sd -A

ccru

ed In

tere

st_

ljkGg ju{ shf{ cGtu{t u)fgf x'g] o"jf tyf ;fgf Joj;foL

:j/ f] huf/

sf] ifdf v / u au{sf Ohfhtkqk|fKt ;+:yfn] hDdf u/ ] sf] / sd

)∞ –

–

–

–

:jb] zL a}+s tyf ljQLo ;+:yfx¿df / x] sf] df}Hbft∕ d'@tL / l;bsf] bfaL

(C

laim

s)20

∞

1,044,440=11

208,888=02

779,039=69

155,807=94

cGo a}+s tyf ljlQo ;+: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 -M

oney

at C

all )

20∞

58,402=52

11,680=50

65,131=00

13,026=20

cGt/ fli^«o >] )fLs[t

(Rat

ed) Ohfhftkq k|fKt ;+:yfsf] Uof/ ] )^Ldf uPsf]

shf{

20∞

––

––

cGt/ fli^«o >] )fLs[t

(Rat

ed)*

a}+sdf u/ ] sf] cGo nufgL

20∞

––

– –

cGt/ a}s ;fk^L

20∞

z] o/ , l*a] Gr/ Pjd\ a)*df ePsf] nufgL

100∞

29,358=72

29,358=72

27,875=62

27,875=62

cGo nufgLx¿

100∞

––

––

cf=j= @)&$÷&% 53

shf{ ;fk^ tyf laN; v/ Lb÷l*:sfp)^ ;d] t -s"n / sd_

100∞

3,930,174=03

3,930,174=03 3,145,900=53 3,145,900=53

l:y/ ;DklQx?

100∞

184,324=97

184,324=97

110,654=37

110,654=37

kfpg'kg{] cGo v"b Aofh / sd

100∞

–

– –

–

cGo ;a} ;DklQx? -v"b cu|Ld s/ bflvnf afx] s_

100∞

45,998=56

45,998=56

31,428=53

31,428=53

;Ldf gf#] sf] l/ on :^] ̂÷cfj;Lo #/ shf{

150∞

–

– –

–

s_ hD

df %

,&%@

,!&#

=^$

$,$

!),$

@$=*

) $

,^@&

,*&!

=$$

#,$

*$,^(#

=!(

-v_ jf;n

ft a

flx/ s

f] sf/ f] jf/ (O

ff-Ba

lanc

e Sh

eets

Item

s)

laN; sng] S;g

0∞ –

–

–

–

clu|d ljb] zL ljlgdo ;Demf}tf

10∞

–

–

–

–

6 dlxgf eGbf sd calwsf] k|lttkq -k'/ } / sd_

20∞

––

––

cGt/ fli^«o >] )fLs[t -R

ated_ lab] zL Ohfhtkq k|fKt ;+:yfsf] sfp)^/

Uof/ ] )^Ldf hf/ L u/ LPsf] Uof/ ] )^L

20∞

––

––

6 dlxgf eGbf a(L calwsf] k|ltt kq -k'/ } / sd_

50∞

––

––

la*j)*, k/ k/ d] G; a)*, k|Tofe"lt

(Und

erw

ritin

g) ;DalGw k|lta$tf

50∞

450=00

225=00

950=00

475=00

k'gM v/ Lb ug{] zt{df laqmL u/ ] sf] shf{

100∞

–

–

––

clu|d e'StfgL

(Adv

ance

Pay

men

t Gua

rant

ee)

100∞

–

––

–

ljQLo tyf cGo hdfgt

( Fin

anci

al a

nd O

ther

Gua

rant

ee)

100∞

14,800=00

14,800=00

7,000=00

7,000=00

ckl/ jTo{ shf{ k|lta$tf

(Irr

evoc

able

Loa

n Co

mm

itmen

t)100∞

235,008=52

235,008=52

173,686=88

173,686=88

cfos/ jfkt ;DefjLt bfloTj

100∞

–

–

–

–

Acep

tanc

e ;lxt cGo ;j} k|sf/ sf ;Defljt bfloTjx?

100∞

– –

–

–

e'QmfgLsf nflu bfjL k/ ] sf] hfdgt

(Unp

aid

Gua

rant

ee C

laim

s) –

–

v_ hD

df!)

)∞ 250,258=52

250,033=52

181,636=88

181,161=88

u_ O

pera

tiona

l Risk

5%

of T

otal

ass

ets

287,608=68

287,608=68

231,393=57

231,393=57

s"n

hf] vLd

efl/

t ;D

klQ

6,290,040=84 4,948,067=00

5,040,901=89

3,897,248=64

cf=j= @)&$÷&%54

cg';

"rL $=#!

k|d'v

;"r

sf+°

sDt

Ldf l

jut

% ji

f{sf] k

l/ ;

"rs

x?

qm=;

+=ljj/

0f;"r

f°cf

=j= @

)&$÷

&%cf

=j= @

)&#÷

&$cf

=j= @

)&@÷

)&#

cf=j

= @)&

!÷)&

@cf

=j= @

)&)÷

)&!

1v"b gfkmf÷s"n cfDbfgL k|ltzt

k|ltzt

12=62

21=12

24=24

15=59

13=26

2k|lt z] o/ cfDbfgL

?= 13=43

19=45

23=48

18=71

18=08

3k|lt z] o/ ahf/ d"No

?= 169=00

329=00

642=00

300=00

303=00

4d"No cfDbfgL cg"kft -P

E Ra

tio_

cg'kft

12=58

16=92

27=32

16=03

16=76

5z] o/ k"+hLdf nfef+z -af] g; ;lxt_

k|ltzt

12=00

0=10

26=32

18=95

15=79

6z] o/ k"+hLdf gub nfef+z e'QmfgL

k|ltzt

0=63

0=05

1=32

0=95

0=79

7Aofh cfDbfgL÷shf{ tyf ;fk^

k|ltzt

15=62

13=42

12=94

14=77

16=60

8sd{rf/ L vr{÷s"n ;~rfng vr{

k|ltzt

11=19

10=29

13=52

12=38

9=62

9s"n lgIf] k tyf ;fk^Ldf Aofh vr{

k|ltzt

8=56

5=89

5=64

6=61

8=20

10;^xL #^a( cfDbfgL÷s"n cfDbfgL

k|ltzt

–

–

–

–

–

11sd{rf/ L af] g;÷s"n sd{rf/ L vr{

k|ltzt

17=53

39=65

33=83

23=05

23=71

12v"b gfkmf÷shf{ ;fk^

k|ltzt

2=12

3=04

3=53

2=56

2=42

13v"b gfkmf÷s"n ;DklQ

k|ltzt

1=35

2=15

2=13

1=52

1=52

14s"n shf{÷lgIf] k

k|ltzt

70=53

71=88

74=25

69=04

71=36

15s"n ;~rfng vr{÷s"n ;DklQ

k|ltzt

9=22

7=36

6=66

7=61

9=47

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

k|ltzt

–

–

–

–

–

-s_ k|fylds k"+hL

k|ltzt

13=04

15=68

11=27

10=95

11=00

-v_ k"/ s k"+hL

k|ltzt

0=81

0=85

0=82

0=84

0=84

-u_ s"n k"+hL sf] if

k|ltzt

13=85

16=53

12=09

11=79

11=84

17t/ ntf

(CRR

)k|ltzt

5=77

5=38

6=63

8=37

6=73

18lgis[o shf{÷s"n shf{

k|ltzt

0=30

0=75

0=06

0=01

0=04

19Aofhb/ cGt/

(Weig

hted

Ave

rage

Inte

rest

Rate

Spre

ad)

5=05

5=57

6=57

5=92

5=10

20a's g] ̂jy{

?= 645,430,660

611,166,570

377,865,520

239,135,790

180,478,950

21s"n z] o/

;+Vof

5,069,349

4,608,499

2,730,963

1,851,500

1,288,000

22s"n sd{rf/ L

;+Vof

129

101

9088

68

23cGo

–

–

–

–

–

cf=j= @)&$÷&% 55

cg';"rL $=#@

ljlQo ljj/0f ;“u ;DalGwt k|d'v n]vf gLltx?

!= ;fdfGohfgsf/L M ltgfp ljsf; a}+s lnld6]8 g]kfndf :yflkt

l;ldt bfloTj ePsf] sDkgLxf] . o;sf] /lhi68{ sfof{no j'6jn pkdxfgu/kflnsf, ?kGb]xLdf /x]sf] 5 . of] sDkgL ?kGb]xL, gjnk/f;L / lrtjg lhNnf u/L # lhNnf sfo{If]q ePsf] ævÆ ju{sf] ljQLo ;+:yfsf] ?kdf ljQLo sf/f]jf/ ug{ cfjZos :jLs[lt k|fKt u/L sflt{s !%, @)^# b]lv cfˆgf] sf/f]jf/ ;~rfng u/]sf] xf] . cfiff9 d;fGt @)&% dfsDkgLn] ?kGb]xL lhNnfsf] j'6jn pkdxfgu/kflnsf cjl:yt /lhi68{ sfof{no tyf ;+udky l:yt d'Vo zfvfsf ;fy;fy} ?kGb]xL lhNnfsf] /fdfk'/, sf]l6xjf, 5lkof, en'lx, of]lusf]6L, e}/xjf, j]njf;, lztngu/, lrtjg lhNnfsf] gf/fo0fu9, d+unk'/ / Hofld/], gjnk/f;L lhNnfsf] lhld/]ef/ / cd/fk'/L zfvfaf6 ;]jf ;~rfng ul//x]sf] 5 .

o; ljQLo ljj/0f ;~rfns ;ldltsf] ldlt @)&%÷)%÷#! df a;]sf] a}7saf6 :jLs[t eO{ z]o/wgLx?sf] :jLs[ltsf] nflu a}+ssf] o; ;fwf/0f ;ef ;dIf k|:tfjul/Psf] 5 .

@= k|d'v n]vfgLltx?sf] ;f/f+z-s_ ljQLo ljj/0fx? tof/ ubf{ cfwf/ dflgPsf n]

vfgLltx? tn pNn]v ul/Psf 5g\ . cGoyf pNn]v ul/Psf]df afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/Psf] 5 .

-v_ ljQLo ljj/0fx? cGoyf pNn]v ul/Psf]df afx]s P]ltxfl;s d"No cjwf/0ff cg'?k tof/ ul/Psf 5g\ .

-u_ cGoyf pNn]v ul/Psf]df afx]s ljQLo sf/f]jf/x? k|f]befjL cfwf/ -Accrual Basis_ df n]vfÍg u/L ;f]xL cg'?k ljQLo ljj/0fx? tof/ ul/Psf] 5 .

#= ljQLo ljj/0fsf] n]vf°gsf cfwf/ M ljQLo ljj/0fx? ;fdfGotof :jLs[t n]vf

l;¢fGtx?, a}+lsË If]qdf ljBdfg n]vfgLltx?, sDkgL P]g, g]kfn n]vfdfg tyf g]kfn /fi6« a}+sn] hf/L u/]sfcf=j= @)&$÷)&% nfO{ nfu' x'g] lgb]{zgx? adf]lhd tof/ ul/Psf 5g\ .

$= l:y/ ;DklQ n]vf°ggLlt M-s_ l:y/ ;DklQx?nfO{ P]ltxfl;s nfut cjwf/0ffsf]

(Historical Cost Concept) cfwf/df n]vfÍgug]{ gLlt cjnDag ul/Psf] 5 .

-v_ l:y/ ;DklQx?df Xf;s§L cfos/ P]g, @)%* cg';f/ ejg, ;jf/L ;fwg, sfof{no ;fdfg, d]l;g/L tyf cGo ;DkQL u/L kFfr ;d'xdf jlu{s/0f ul/ cfos/ P]gdf tf]lsPsf] b/ jdf]lhd Xf;s§L u/LPsf] 5 .

u_ cb[Zo ;DklQx? h:t} sDKo"6/ ;km\6j]o/ cfbLnfO{ % aif{df ;dfg'kflts b/df Xf;s§L ug]{ gLlt /x]sf] 5 .

3_ sDkgLn] k§fdf lnO{Psf] ejgdf x'g] l:y/ k|s[ltsf] lgdf{0f -Lease Hold Assets_ sf] ckn]vg !) aif{df ;dfg'kflts b/dfx|f; s§Lug]{ gLlt /x]sf] 5 .

%= k'“hLs[t gul/g] ;DklQx? ;DaGwL n]vf°ggLlt M

sDkGfLn] ?=@,)))÷– ;Ddsf ;fdfgx?nfO{ k'FhLs[t gu/Lvr{ n]Vg] gLltlnO{Psf] 5 .

^= cfos/ Joj:yf gLlt M cfos/ P]g, @)%* sf] clwgdf /xL cfos/ Joj:yf

ul/Psf] 5 . cfos/ ljj/0f tyf ljQLo ljj/0f aLr ;DklQ bfloTjdf x'g cfpg] c:yfoL km/ssf] u0fgf u/L eljiodf ;dfof]hg x'g] km/sx¿nfO{ xfn sfod s/sf] b/df :yug s/ Joj:yfug]{ gLlt /x]sf]5 . :yug s/ u0fgfsf] ljj/0f n]vf ;DalGw l6Kk0fLdf v'nfO{Psf] 5 .

&= nufgL n]vf°g gLlt M sDkgLsf] ;Dk"0f{ nufgLnfO{ “Held for Trading”,

“Held to Maturity” tyf “Available for sale” u/L tLg j6f ju{df juL{s/0f ug]{ gLlt cjnDagul/Psf] 5 . nufgLnfO{ nfut cyjf ahf/ d"No dWo] sd /sddf d"NofÍg u/L ;f]xL cg';f/ n]vfÍg ug]{ gLlt /x]sf] 5 . g]kfn lwtf]kq ljlgdo ahf/ ln= df ;'lrs[t gePsf] z]o/df ul/Psf] nufgLnfO{ nfut d'Nodf d"NofÍg u/L ;f]xL cg';f/ n]vfÍg ug]{ gLlt /x]sf] 5 .

;/sf/L C0fkq, lasf; C0fkq tyf 6«]h/L ljndf ePsf] nufgLnfO{ nfut d"Nodf n]vf+sg ug]{ gLlt /x]sf] 5 .

*= ;6xL 36a9 ;dfof]hg gLlt M sDkgLn] s'g} klg ljb]zL d'b|fsf] ;6xL sf/f]jf/sf]

Ohfht lnPsf] t/ sf/f]af/ ePsf] 5}g . cfiff9 d;fGtdf ljb]zL ljlgdodf ;DklQ tyf bfloTj g/x]sf] .

cf=j= @)&$÷&%56

(= u}/ a}+ls· ;DkQLsf] n]vf°g gLlt M g]kfn /fi6« a}+ssf] u}/ a}+lsË ;DklQ ;DaGwL n]

vfÍg gLlt cg'?k u}/ a}+lsË ;DklQ sa'nubf{sf] ;dodf ;Dk"0f{ n]gf /sd cyjf lwtf] /x]sf] ;DklQsf] k|rlnt ahf/ d"No (Fair market price) dWo] h'gsd 5 ;f]xL /sddf u}/ a}+lsË ;DklQsf] n]vfÍg ug]{ gLlt /x]sf] 5 . u}/ a}+lsª ;DklQ n]vfÍg u/]sf] aif{df g} ;Dk"0f{ /sdsf] gf]S;fgL Aoj:yf ul/g] gLlt /x]sf] 5 .

v/fa shf{ ckn]vg ;DalGw sfo{ lalw g]kfn /fi6| a}+s4f/f :jLs[lt a}+ssf] shf{ ckn]vg lgodfjlndf pNn]v eP adf]lhd x'g]5 . a}ssf] v/fa shf{ c;'lnsf] nflu pko'Qm /sd ;Ddsf] Aofh ldgfxf lbg ;Sg] lgltlnPsf] 5 . k|To]]s v/fa shf{sf] ca:yf x]l/ Gofof]rLt 9+un] shf{sf] km5f}{6 ul/g] 5 .

o; cf=j=;Dddf sDkgLsf] u}/ a}+lsË ;DklQ l;h{gf ePsf] 5}g .

!)= Aofh tyf cGo cfDbfgL u0fgf tl/sfMs_ shf{ vftfx?df Aofhsf] u0fgf #^% lbg k|lt aif{sf]

b/n] ul/Psf] 5 .v_ Jofh cfDbfgLnfO{ g]kfn /fi6« a}+ssf] PsLs[t lgb{]

lzsf adf]lhd gub k|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5 . h'g g]kfn n]vfdfg dfk b08 (NAS 07) cg'?k 5}g .

g]kfn ;/sf/sf] C0fkqdf cflh{t AofhnfO{ cfh{gsf] cfwf/ (Accrual Basis) df n]vf+sg ug]{ gLlt cjnDag ul/Psf] 5 . o; cf=j=df o; lzif{s cGt/ut s'g} sf/f]jf/ gePsf] b]lvG5 .

u_ sldzg cfDbfgLnfO{ cfh{gsf] cfwf/ (Accrual Basis) n]vf+sgug]{gLlt /x]sf] 5 .

!!= vr{ u0fgf n]vf°g gLlt Ms_ lgIf]k vftfx?df Jofhsf] u0fgf #^% lbg k|lt

aif{sf] b/n] ul/Psf] 5 .v_ Aofh tyf cGo vr{x? nfO{ cfh{gsf] cfwf/

(Accrual Basis) df n]vf+sg ul/Psf] 5 .

!@= shf{gf]S;fgLJoj:yfgLlt M g]kfn /fi6« a}+ssf] Plss[t lgb{]lzsf adf]lhd shf{

vftfx?nfO{ auL{s/0f u/L ;f]xL cg';f/ shf{ gf]S;fgL Joj:yf u/LPsf] 5 . q}dfl;s ?kdfshf{ gf]S;fgL Aoj:yfdf ;dfof]hg u/L yk36 ug]{ ul/Psf] 5 . shf{, ;fk6 tyf ljn v/LbnfO{ jf;nftdf ;Defljt gf]S;fgL Aoj:yf kl5sf] v'bd"Nodf b]

vfO{Psf] 5 . c;'nx'g g;Sg] shf{ /sd ckn]vg ubf{ g]kfn

/fi6« a}+sn] hf/L u/]sf] lgb]{zg, sDkgLsf] shf{ ckn]vg gLltsf] clwgdf /lx ;~rfns ;ldltsf] :jLs[tLaf6 dfq shf{ ckn]vg ug]{ gLlt lnOPsf] 5 .

!#= lnhxf]N8 ;DktL, :yug vr{ tyf k'j{ ;~rfng vr{ M

s_ ef8fdf lnPsf] ejg ljsf;sf nfuL ul/Psf] vr{x?nfO{ lnhxf]N8 ;DklQ cGtu{t kF"hLs[t ul/Psf] 5 . pQm vr{x?nfO{ 3/ ef8fsf] cjlwdf ckn]vg ug]{ gLlt cjnDag ul/Psf] 5 . lnhxf]N8 ;DklQnfO{ l:y/ ;DklQdf ;dfj]z ul/Psf] 5 .

v_ sDKo'6/ ;km\6j]o/ ;DalGw vr{nfO{ l:y/ ;DkQLdf ;dfj]z ul/Psf] 5= pQm vr{nfO{ % jif{df ckn]vg ug]{ gLlt cjnDag ul/Psf] 5 .

!$= v"b gfkmf af“8kmf“8 gLlt M a}+s tyf ljQLo ;+:yf ;DalGw P]g @)&#, cg'?k

gfkmf÷gf]S;fg lx;fjaf6 b]lvPsf] v'b gfkmfsf] @)k|ltzt /sdnfO{ ;fwf/0f hu]8f sf]ifdf afF8kmfF8 ug]{ gLlt cjnDjg ul/Psf] 5 .

!%= sd{rf/L pkbfg tyf cGo ;'ljwf jfkt

Joj:yf gLlt M-s_ o; jif{sf] cGt ;Dddf sd{rf/Lsf] pkbfg jfkt

?=56,26,341=08 Joj:yf ul/Psf] 5 . -v_ sd{rf/L af]g; Joj:yf cGtu{t af]g; P]g adf]

lhd ;Dk'0f{ ;~rfng kl5sf] v'b gfkmfaf6 !) k|ltztsf] b/n] x'g] /sd jf]g; jfkt lx;fj u/L 5'6[ofOg] gLlt cjnDag ul/Psf] 5 .

!^= shf{sf] ;f“jf tyf Aofh c;'n ug]{ Aoj:yf M ;DjlGwt C0fLaf6 /sd c;'n pk/ ubf{ To:tf]

c;'n /sd dWo]af6 ;j{k|yd c;'n pk/ ug'{kg]{cGo n]gf /sd, xhf{gf / Jofh ;Dk"0f{ ?kdf c;'npk/ eP kl5sf] cj:yfdf dfq afFsL /sd ;fFjfdf cfjZos lx;fj ldnfg ug]{ gLlt lnPsf] 5 .

!&= cGos_ sDkgLn] v/Lb u/]sf] ;j} lsl;dsf] :6]zg/L tyf

5kfO{ ;fdu|Lx? dWo] afFsL /x]sf] df}HbftnfO{ FIFO (First in First Out) Method af6 d"NofÍg u/L cGo ;DklQdf b]vfpg] gLlt /x]sf] 5 =

v_ kl5Nnf] jif{sf] /sdx¿nfO{ k'gM ;+/rgf tyf k'gMjlu{s/0f ul/Psf] 5 .

cf=j= @)&$÷&% 57

cg';"rL $=##n] vf ;DaGwL l6Kk0fLx?

!= r'Qmf k"“hLdf ePsf] kl/jt{g M

o; rfn' cf=j=df sDkgLsf] r'Qmf k'FhLdf s'g} kl/jt{g ePsf] 5}g\ .

ljj/ 0f / sd ?=clws[t k"“hL ?=60,00,00,000=00

hf/L k"“hL ?=506,934,914=07

r'Qmf k"“hL ?=506,934,914=07

pk/f]Qm r'Stf k'FhLdf o; aif{ r'Stf k'FhLsf] !@ k|ltzt af]g; z]o/ k|:tfj ul/Psf] 5 .

@_ ;fwf/0f hu]8f sf]if M

a}+s tyf ljlQo ;+:yf ;DaGwL P]g, @)&# sf] bkmf $$ df ePsf] Joj:yf cg';f/ a}+sn] cfkm\gf] v'b d'gfkmfsf] @) k|ltzt /sd ;fwf/0f sf]ifdf ;fg'{ kb{5 . To;} cg';f/ a}+sn] rfn' cf=a= df v'b d'gfkmfsf] @) k|ltztn] x'g

cfpg] ?=15248560=32 ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 . jf;nft ldltdf o; sf]ifsf] df}Hbft ?=73,860,051=45 /x]sf] 5 .

#_ cf=j= @)&$÷)&% df k|jfx ePsf] shf{ ;fk6, c;"nL ePsf] / ldgfxf ul/Psf] ;f+jf tyf Jofhsf] ljj/0f lgDgfg';f/ 5 .

ljj/0f /sd ?= ut aif{sf] af+sL 3,246,169,637=90 o; aif{sf] yk 5,359,886,434=02

o; aif{sf] c;'nL 4,675,825,874=00 o; aif{sf] af+sL shf{ 3,930,230,197=92

$_ lgIf]k bfloTj cGt{ut k|To]s lzif{sdf cf=j= @)&$÷)&% kl/jt{g ePsf] /sdsf] ;+lIfKt ljj/0f .

ljj/0f ut aif{ o; aif{ -36L_ a9L d'@lt lgIf]k 1,667,374,180=69 2,126,252,91288 458,878,732=19

art lgIf]k 1,674,807,112=64 2,242,828,212=28 568,021,099=64

cGo 555,623,556=35 546,683,738=78 -8,939,817=57_

hDdf 3,897,804,849=68 4,915,764,863=94 1,017,960,014=26

%_ :yL/ ;DklQsf] n]vf+sg ubf{ k/ddf]ndf nfut vr{ n]vf+sg / hDdf x|f;s6\6LnfO{ 36fO{ df}Hbft sfod

ul/g'kg]{df utaif{sf] lx;fanfO{ k/ddf]ndf ut aif{;Ddsf] x|f:fs6\6L kl5sf] df}GbftnfO{ v'b /sddf n]vf+sg

ul/Psf] 5 .

^_ lgIf]k / shf{sf] efl/t cf}ift Jofh b/sf] cGt/ -Weighted average Interest Rate Spread_ %=)%∞ 5 .

&_ ckn]vg x'g afFsL vr{x?sf] laj/0f

cf=j= @)&$÷&%58

ljj/0f ;'? df}Hbft o; jif{ yk ckn]vg o; aif{ ;Ddsf] af+sL ;km\6j]o/ 953,457=00 1,354,870=00 801,370=50 1,506,956=50

z]o/ lgisfzg vr{ 1,783,325=90 640,477=08 1,142,848=82

lnh xf]N8 58,89,040=33 4,819,554=73 1,749,528=56 8,959,066=50

s_ Computer Software Programme nfO{ vl/b ul/ k|of]u u/]sf] ldltn] % jifl{eq ;dfg ls:tfdf cknv]g ug]{ u/L

k"lhs[t ul/Psf] 5 . h; cg;'f/ o; jif{ ?= 801,370=50 vr vr{ n]lvPsf] 5 / ?= 1,506,956=50 afFsL

/x]sf] 5 .

v_ z]o/ lgisfzg vr{ nfO{ jf:tljs vr{ ul/Psf] ldltn] % jifl{eq ;dfg ls:tfdf cknv]g ug]{ u/L k"lhs[t

ul/Psf] 5 . h; cg';f/ o; jif{ ?= 640,477=08 nfO nfO{ ckn]vg ul/Psf] 5 / ?=1,142,848=82 afFsL

/x]sf] 5 .

*_ a}+ssf] ;DklQ / bfloTj;Fu ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ s'g} Ps JolQm kmd{, sDkgL jf

;+ul7t ;+:yf tyf s'g} Ps If]qdf tf]lsPsf] ;LdfeGbf a9L clws]lGb|t ePsf] 5}g .

(_ t/ntf ;DaGwL hf]lvd Go"gLs/0f ug{ a}+sn] cfkm\gf] bfloTj tyf ;DklQnfO{ e'QmfgL cjlw (Maturity Period)

sf] cfwf/df ljleGg ;do cGt/fndf juL{s/0f ul/Psf] laj/0f .

? xhf/df

cjlw !–() lbg (!–!*) lbg !*!–@&) lbg @&!–#^% lbg ! jif{ eGbf a9L s'n /sds'n ;DklQ 1,651,218=72 525,084=65 462,085=88 430,045=89 2,325,777=07 5,394,212=21

s'nbfloTj 1,504,634=64 789,340=90 927,580=78 997,813=23 475,742=62 4,695,112=18

cGt/fn -! — @_ 146,584=09 -264,256=25_ -465,494=90_ -567,767=34_ 1,850,034=45 699,100=04

;l~rt cGt/fn 146,584=09 -117,672=17_ -583,167=07_ -1,150,934=41_ 699,100=04

;dfof]lht Aofhb/ 0=25∞ 0=25∞ 0=25∞ 0=25∞ 1=00∞

q}dfl;s d'gfkmf l:yltdf k|efj-;l~rt cGt/fn x IRC)

361=44 -290=15_ -1,437=95_ -2,845=72_ 6,991=00 2,778=63

;l~rt d'gfkmf l:ylt km/s 361=44 71=29 -1,366=66_ -4,212=37_ 2,778=63

-qm=;+= ^ sf] hf]8 ub}{ hfg] 147=35 -486=99_ -1,661=16_ -3,787=36_ 1,319=90

!)_ ;+:yfut ;fdflhs pQ/bfloTj sf]if M

g]kfn /fi6« a}+s sf] lgb]{zg adf]lhd o; ljsf; a}+sn] klg gfkmfsf] ! k|ltztn] x'g cfpg] u/L ;+:yfut ;fdflhs

pQ/bfloTj sf]if v8f ul/Psf] 5 / ;f] ;DaGwL yk ljj/0f lgDg adf]lhd /x]sf] 5 M

;'? df}Hbft o; jif{ yk sf]if af6 ul/Psf] vr{ o; aif{ sf] cGTodf af+sL

983,552=36 762,428=02 829,372=04 916,608=34

!!_ o; lasf; a}+sn] ;'/If0fsf ?kdf cfˆgf] ;DklQ lwtf] /fvL /sd lnPsf] 5}g .

cf=j= @)&$÷&% 59

!@_ o; lasf; a}ssf] r'Qmf k"+hL dWo] clu|d e"QmfgL k|fKt -Calls in Advance_ /sd g/x]sf] ;fy} e'QmfgL k|fKt x'g

af+sL -Call in Arrears_ / hkmt ul/Psf t/ k'gM lgisfzg gul/;s]sf -forfeited but not issued_ z]o/x? /x]sf] 5}g .

!#_ lasf; a}+sn] laQLo laj/0fdf, o; aif{ v"b ;Defljt gf]S;fgL Joj:yf /sd pNn]v u/]sf] 5 .

!$_ lasf; a}+sn] laQLo laj/0fdf l:y/ ;DklQsf] d"No v"b k/ndf]ndf b]vfPsf] 5 .

!%_ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ s/ kl5sf] v'bd'gfkmfsf] @)∞ n] x'g] /sd ;fwf/0f hu]8f

sf]ifdf ;fl/Psf] 5 .

af]g; P]g, @)#) sf] bkmf %-!_ cg';f/ ljlQo ljj/0fsf] s/ cl3sf] gfkmfsf] !)∞ n] x'g] ?= 10,230,070=16

sd{rf/L af]g; afkt ;flas adf]lhd Joj:yf ul/Psf] 5 .

!^_ :yug s/ ;DklQtyf bfloTjM

:yug ul/Psf] s/ ;DklQ tyf bfloTj g]kfn n]vfdfg ( cg';f/ df b]lvPsf] cfos/df lgDgfg';f/ u0fgf

ul/Psf] 5 .

:yugul/Psf] s/;DklQ÷ n]vfcfwf/ s/ cfwf/ c:yfoL km/s o; jif{sf] :yug s/

-bfloTj_ ;DklQ -bfloTj_

l:y/ ;DklQ 175,365,903 192,434,808 17,068,905 5,120,671=50

ljbf afkt sf] Joj:yf 6,966,763 – 6,966,763 2,090,028=90

nufgLsf] Joj:yf -$&@,)$)=!*_ – -$&@,)$)=!*_ -!$!,^!@=))_

z]o/ hf/L vr{ 1,142,849 613,136 -529,713_ -!%*,(!#=()_

sDo'6/ ;km\6j]o/ 1,506,957 1,230,939 -276,018_ -82,805=40_

nLh xf]N8 ;DklQ 8,959,067 13,444,983 4,485,916 1,345,774=80

:yug s/ -bfloTj_÷;DklQ – – – *,!&#,!$#=()

ut jif{sf] :yug s/ ;DklQ – – – #,@(^,*!)=))

o; jif{sf] :yug s/ cfDbfgL – – – $,*&^,###=()

!&_ ut aif{sf] c+sx? cfjZostf cg';f/ k'gjuL{s/0f tyf :yfgfGt/ ul/Psf] 5 .

!*_ Ohfhtkqk|fKt a+}s tyf ljQLo ;+:yfn] cfkm\gf sd{rf/Lx?sf]] bIftf clej[l4sf nflu k|To]s jif{ s'n sd{rf/L

vr{sf] Go"gtd # k|ltzt /sd tflnd tyf j[lQljsf;dfvr{ ug'{ kg{] Aoj:yf cg';f/o; cf= a= %&(,%**=(%

sf] Aoj:yf u/]sf] 5 .

!(_ ljlQo ;+:yfn] cf= j= @)&$=&% sf] gfkmf af6 !@ k|ltzt af]gz z]o/ /sd ?= 68,436,213=4 tyf nfef+z

afkt 0=63 k|ltztn] x'g cfpg] nfef+z afkt /sd ?= 3,601,905=97 efb| #!, @)&% ut]sf] ;+rfns ;ldltsf]

a}7saf6 k|:tfj u/]sf]] 5 .

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1. Total Capital and Liabilities (1.1 to 1.7) 5,725,931.21 5,275,682.98 4,672,351.35 1.1 Paid Up Capital 506,934.91 506,934.91 460,849.92 1.2 Reserve and Surplus 147,239.34 129,767.81 144,347.14 1.3 Debenture and Bond - - 1.4 Borrowings - - 1.5 Deposits (a.+b.) 4,915,764.86 4,483,584.54 3,897,804.85 a. Domestic Currency 4,915,764.86 4,483,584.54 3,897,804.85 b. Foreign Currency - - - 1.6 Income Tax Liability - - - 1.7 Other Liabilities 155,992.10 155,395.72 169,349.44 2. Total Assets (2.1 to 2.7) 5,725,931.21 5,275,682.98 4,672,351.36 2.1 Cash and Bank Balance 1,342,746.34 1,031,869.71 1,071,478.00 2.2 Money at Call and Short Notice 58,402.52 57,527.78 65,131.00 2.3 Investments 134,358.72 133,653.21 89,901.56 2.4 Loans and Advances (a+b+c+d+e+f) 3,930,230.19 3,799,393.50 3,246,169.64 a. Real Estate Loan (1+2+3+4) 262,800.75 268,316.89 179,117.37 1.Residential Realstate (Except Personal Home Loan upto Rs 10 million) - - - 2. Business Complex & Residential Apartment Construction Loan 16,691.66 17,376.58 23,918.55 3. Income generating Commercial Complex Loan - 4. Other RealState Loan (including land purchse & Plotting) 246,109.09 250,940.31 155,198.82 b. Home/Housing Loan 473,251.71 461,461.60 456,331.52 c. Margin Type Loan 1,872.00 2,000.00 3,470.00 d. Term Loan 562,237.43 453,427.71 365,997.91 e. Overdraft / TR / WC Loan 1,343,225.93 1,371,057.06 1,206,924.64 f. Others 1,286,842.37 1,243,130.24 1,034,328.20 2.5 Fixed Assets 184,324.97 191,972.81 110,387.75 2.6 Non Banking Assets - 2.7 Other Assets 75,868.47 61,265.97 89,283.41 3. Profit & Loss Account Upto this Quarter 3.1 Interest Income 560,324.82 389,047.58 435,519.95 3.2 Interest Expenses 377,320.34 268,897.88 229,710.35 A. Net Interest Income (3.1-3.2) 183,004.48 120,149.70 205,809.60 3.3 Fees, Commission and Discount 4,861.39 3,240.96 4,289.55 3.4 Other Operating Income 38,249.83 28,621.20 26,503.82 3.5 Foreign Exchange Gain/Loss (Net) B. Total Operating Income (A.+3.3+3.4+3.5) 226,115.70 152,011.86 236,602.97 3.6 Staff Expenses 58,365.13 37,997.47 35,123.93 3.7 Other Operating Expenses 54,162.64 26,734.34 39,784.83 C. Operating Profit Before Provision (B.-3.6-3.7) 113,587.93 87,280.05 161,694.21 3.8 Provision for Possible Losses 20,940.08 15,728.79 18,675.19 D. Operating Profit (C.-3.8) 92,647.85 71,551.26 143,019.02 3.9 Non Operating Income/Expenses (Net) 1,692.17 1,658.05 1,467.36 3.10 Write Back of Provision for Possible Loss 18,419.41 11,477.51 7,503.59 E. Profit from Regular Activities (D.+3.9+3.10) 112,759.43 84,686.82 151,989.97 3.11 Extraordinary Income/Expenses (Net) - F. Profit before Bonus and Taxes (E.+3.11) 112,759.43 84,686.82 151,989.97 3.12 Provision for Staff Bonus 10,250.86 7,698.80 13,817.27 3.13 Provision for Tax 30,752.57 23,096.41 41,451.81 G. Net Profit/Loss (F.-3.12-3.13) 71,756.00 53,891.61 96,720.89 4. Ratios Upto this Quarter 4.1 Capital Fund to RWA 14.10% 14.39% 16.29%4.2 Non Performing Loan (NPL) to Total Loan 0.30% 0.37% 0.75%4.3 Total Loan Loss Provision to Total NPL 368.21% 307.53% 161.69%4.4 Cost of Funds 9.07% 8.96% 8.19%4.5 Credit to Deposit Ratio (Calculatd as per NRB Directive) 70.57% 74.20% 72.09%4.6 Average Interest Spread (Calculated as per NRB Directives) 5.05% 5.23% 5.57%4.7 Base rate 12.99% 12.45% 11.51%

Unaudited Financial Results (Quarterly)As at 4th Quarter (2075-03-31) of the Fiscal Year 2074/ 75

Rs. in '000

S.N. Particulars This Quarter Ending Privious Quarter Ending Corresponding Previous Year Quarter Ending

-

Corresponding Previous Year Quarter Ending

Corresponding Previous Year Quarter Ending

Upto Previous Quarter

Upto Previous Quarter

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