nâng cao hiệu quả quản trị rủi ro thanh khoản trong các ngân hàng thương mại...

8/2/2019 Nng cao hiu qu qun tr ri ro thanh khon trong cc ngn hng thng mi vit nam

1/82

@ KIC BO U C RCRPGK I NO AIGN R RT N ON JIGN

GKVYG BVY _IGN

GGK OMC NIV ]V ]VG RP PI PC

RNMGN ANCG RPCGK OO GKG NGKRNGK JI UIR GMJ

Onvyg gkgn8 Aign r ri ongn * gkg ngk

J s8 54'?='=0

LVG UG RNO _ AIGN R

GKI NGK BG ANCM NO8

TK_'R_' GKVYG GK BG

RT N On Jign rngk 4;#0449

ocgrmor 8 lvmgumg>2Dkjmil'ocj

Fbirfb `y Ec~ir PfmbfpOctypiknr.O) y Ec~ir _cer{mpf Ocjtmgy,0446*044>Ecp Fumlvmricg Cgly'


2/82

LI OMJ CMG

Gi bvgk u s liv tng ron rpcgk Lvg ug gy l ar }v gknig ov o

lt om no uig u onm o ogk ` rpcgk `r a ogk rpgn ancm no gc'

*******************


3/82

JO LO

Li omj cmg

Jo loBmgn jo oo r uir rr

Bmgn jo `gk `iv Rpmgk

J v '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' =

Ongk = RGK ]VMG U ]VG RP PI PC AIGN BCMGN U

]VG RP PI PC RNMGN ANCG RPCGK GKG

NGK RNGK JI''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?

='= Rgk }vmg u gkg ngk rngk ji'''''''''''''''''''''''''''''''''''''' ?

='='= Ani gij '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?

='='0 Ono ggk om gkg ngk rngk ji '''''''''''''''''''''''''''''''''''''''' 2

='0 ]vg rp pi pc rpcgk aign bcmgn gkg ngk '''''''''''''''''''''''''' 2

='0'= Ani gij u pi pc '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 2

='0'0 Pi pc rpcgk aign bcmgn gkg ngk ''''''''''''''''''''''''''''''''''''''''''''' 6

='0'? ]vg rp pi pc rpcgk aign bcmgn gkg ngk '''''''''''''''''''''''''''''''' 5='0'2 Gkvyg gng bg g pi pc rpcgk aign bcmgn gkg ngk '''''''''' ;

='0'6 gn ngk om pi pc g ncr gk aign bcmgn om gkg ngk

u gg aign r *~ ni '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' >

='? ]vg rp pi pc rnmgn ancg''''''''''''''''''''''''''''''''''''''''''''''''''''' 9

='?'= Ani gij u rnmgn ancg u pi pc rnmgn ancg '''''''''''''''''''''''' 9

='?'0 Gi bvgk }vg rp pi pc rnmgn ancg '''''''''''''''''''''''''''''''''''''''''' =?

='?'? Oo gkvyg gng bg g pi pc rnmgn ancg ''''''''''''''''''''''''''''' =4

='?'2 Ovgk u ov u rnmgn ancg '''''''''''''''''''''''''''''''''''''''''''''''''''''''' ==

='?'6 gn ki rpgk rni rnmgn ancg '''''''''''''''''''''''''''''''''''''''''''''''''' =0

='?'5 Onig lo }vg rp rnmgn ancg ''''''''''''''''''''''''''''''''''''''''''''''''' =0

='?'5'= gk li onvgk u }vg rp rnmgn ancg ''''''''''''''''''''''''''''''''''' =0

='?'5'0 Oo onig lo }vg rp rnmgn ancg '''''''''''''''''''''''''''''''''''''''''' =?

='?'; Oo tngk tnt }vg l pi pc rnmgn ancg '''''''''''''''''''''''''''''' =;


4/82

='?';'= Bvy rp jr r l nt l kim ug bgk onc b rp u ug bgk

onc aign bcmgn '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' =;

='?';'0 j `c u r l an ggk oni rp ''''''''''''''''''''''''''''''''''''''''''''''' =;

='?';'? _ bgk oo tngk tnt b `c rnmgn ancg '''''''''''''''''''''''''' =;

='?'> Oo riv onvg ovi ogk onc uio gn ki }vg rp rnmgn

ancg ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 0=

='2 Aij gn oo ki rnir u an ggk rnmgn ancg ''''''''''''''''' 00

='2'= Aij gn u on s rpgk rni rig jr N? '''''''''''''''''''''''''''''''''' 0?

='2'0 Aij gn u on s ggk lo onc umy N2 ''''''''''''''''''''''''''''''''''' 02

='2'? Aij gn u on s b g#rig ki anon ngk N6 ''''''''''''''''''''' 02

='2'2 Aij gn u on s ongk ancg rnmgn ancg N5 ''''''''''''''''''''' 06

Ar lvg Ongk = '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 05

Ongk 0 RNO RPGK ]VG RP PI PC RNMGN ANCG

RPCGK OO GKG NGK RNGK JI UIR GMJ 0;

0'= Rgk }vmg u n rngk gkg ngk rngk ji Uir Gmj''''' 0;

0'='= @o rpmgn rgk }vmg u n rngk gkg ngk rngk ji UirGmj ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 0;

0'='0 Ro gk om iv aig aign r u j g ncr gk om n

rngk gkg ngk rngk ji Uir Gmj '''''''''''''''''''''''''''''''''''''' ?=

0'0 Rno rpgk }vg rp pi pc rnmgn ancg rpcgk oo gkg

ngk rngk ji Uir Gmj ''''''''''''''''''''''''''''''''''''''''''''''''''''''' ??

0'0'= Ug iv l u n s OMP ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?6

0'0'0 N s N= u N0 ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?>

0'0'? On s rpgk rni rig jr N? ''''''''''''''''''''''''''''''''''''''''''''''''''''''' 24

0'0'2 On s ggk lo onc umy N2 ''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 20

0'0'6 On s b g#rig ki anon ngk N6 ''''''''''''''''''''''''''''''''''''''''''' 2?

0'0'5 On s ongk ancg rnmgn ancg N5 ''''''''''''''''''''''''''''''''''''''''''' 26

0'0'; On s rpgk rni pgk i ui oo RORB N; ''''''''''''''''''''''''''''''' 25

0'0'> On s .rig jr!rig ki ri oo RORB)#rig ki anon ngk N> 2;


5/82

0'? Rpgk nt Gkg ngk v r u Tnr rpig Uir Gmj

.@IBU) '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 29

0'?'= ]vy gn u ncr gk }vg rp rnmgn ancg '''''''''''''''''''''''''''''' 29

0'?'0 Rnmgn ancg u }vg rp rnmgn ancg ri @IBU '''''''''''''''''''''''''' 60

gn ki onvgk u rnmgn ancg u }vg rp rnmgn ancg

om oo gkg ngk rngk ji Uir Gmj '''''''''''''''''''''''''''''''' 6?

Ar lvg Ongk 0'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 66

Ongk ? JR _ @IG TNT GNJ GGK OMC NIV ]V

]VG RP PI PC RNMGN ANCG RPCGK OO

GKG NGK RNGK JI UIR GMJ''''''''''''''''''''''''''' 65

?'= gn ngk tnr rpig om gkgn gkg ngk Uir Gmj g

gj 04=4 u gn ngk onig lo g gj 0404''''''''''''''' 65

?'='= gn ngk tnr rpig Gkg ngk Gn go Uir Gmj g gj

04=4 u gn ngk onig lo g gj 0404 ''''''''''''''''''''''''''' 65

?'='0 gn ngk tnr rpig oo r ono rg bgk g gj 04=4 u

gn ngk onig lo g gj 0404 ''''''''''''''''''''''''''''''''''''''''' 6;?'0 @ig tnt ggk omc niv }v }vg rp pi pc rnmgn ancg rpcgk

oo gkg ngk rngk ji Uir Gmj'''''''''''''''''''''''''''''''''''''''''''''' 6>

?'0'= U tnm Ongn tn ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 6>

?'0'='= Jr gkg ngk rpvgk gk o lt u jgn ''''''''''''''''''''''''' 6>

?'0'='0 Ncg rnig n rngk lvr tnt t gk yv ov ni gnt '''''''''' 69

?'0'='? y gnmgn rig o tng nc oo gkg ngk rngk ji gn

go ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 54

?'0'0 U tnm Gkg ngk Gn go ''''''''''''''''''''''''''''''''''''''''''''''''''''' 54

?'0'0'= Rno rni ongn son rig r lign ncr u um ''''''''''''''''''''''''''' 54

?'0'0'0 Aij scr uio rngn lt gkg ngk rngk ji '''''''''''''''''''''''' 5=

?'0'0'? Rgk ogk u ggk omc niv }v ogk ro kij sr r ~m ncr

gk om oo gkg ngk rngk ji '''''''''''''''''''''''''''''''''''''''''' 50

?'0'? U tnm oo gkg ngk rngk ji ''''''''''''''''''''''''''''''''''''''''''''' 5?


6/82

?'0'?'= j `c ug r o jo og rnir''''''''''''''''''''''''''''''''''''''''''''' 5?

?'0'?'0 Rgk ogk ogk ro b `c oo iv aig aign r u j ''''''''''' 52

?'0'?'? ^y bgk o on onvyg ug gi ` tn nt '''''''''''''''''''''''''''''' 52

?'0'?'2 j `c r l og i kim ri sg O * ri sg G ''''''''''' 56

?'0'?'6 Kg pi pc rnmgn ancg ui pi pc rn rpgk rpcgk }vg rp '''''' 55

?'0'?'5 ^y bgk u ncg rnig n rngk gn ki gi ` '''''''''''''''''''''' 5;

?'0'?'; Rnir lt j ngn r ono tn nt '''''''''''''''''''''''''''''''''''''''''''''' 5>

?'0'?'> ^y bgk i gk gng uig o rpgn , ggk lo u c o

gkn gknit ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 59

Ar lvg'''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ;4

Ri liv rnmj anc

Tn lo


7/82

BMGN JO OO R UIR RR

MB@ 8 Gkg ngk tnr rpig Onv '

@IBU 8 Gkg ngk v r u Tnr rpig Uir Gmj'

BR@@ 8 B rp `r `vo'

GNGG 8 Gkg ngk Gn go'

GNRJ 8 Gkg ngk rngk ji'

GNRJGG 8 Gkg ngk rngk ji gn go'

GNRJOT 8 Gkg ngk rngk ji o tng'

CFOB 8 R ono nt ro u tnr rpig aign r'RORB 8 R ono rg bgk'

[RC 8 R ono rngk ji rn kii'


8/82

BMGN JO @GK @IV

Rpmgk

@gk 0'=8 R l rgk rpgk rg bgk gj 044; sc ui 0445 om ??GNRJ Uir Gmj ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?2

@gk 0'08 Ug iv l u n s OMP'''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?5

@gk 0'?8 N s N= u N0 ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?>

@gk 0'28 Rig ki anon ngk1 rig ki, umy r RORB ano1 onc umy

anon ngk, s bgk ug ano om i , Kim gn, Aig Lcgk,

Rpvsr`mga gj 044; '''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ?9

@gk 0'68 On s rpgk rni rig jr ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 2=

@gk 0'58 On s ggk lo onc umy ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' 2?

@gk 0';8 On s b g#rig ki anon ngk '''''''''''''''''''''''''''''''''''''''''''''' 22

@gk 0'>8 On s ongk ancg rnmgn ancg ''''''''''''''''''''''''''''''''''''''''''''''' 26

@gk 0'98 On s rpgk rni pgk i ui oo RORB ''''''''''''''''''''''''''''''''''' 25

@gk 0'=48 On s .rig jr ! rig ki ri oo RORB)#rig ki anon ngk 2>


9/82

* = *

JV

=' Rgn ot rnir om ri8

Rnmgn ancg u }vg rp pi pc rnmgn ancg l yv r }vyrgn s mg rcg

rpcgk ncrgk om `r a gkg ngk rngk ji gc' Rpcgk rn kii gky gmy,

gniv gkg ngk mgk tnii jr ui rgn rpgkogk rngk rnmgn ancg .li}vibiry

srpmigs), ani j s ogn rpmgn ano lir u rnv nr rig ki `vo oo gkg ngk tni

rj aij oo gkvg ri rpano' Anggk rnmgn ancg angk nt l l bv niv

v rig om rgn rpgk `rg u ri ongn' Ogk ui s tnr rpig om rnrpgk ri

ongn, oni u pi pc rpcgk }vg rp rnmgn ancg om oo gkg ngk rngk jiogk kim rgkrgkgk' iv gy onc rny rj }vmg rpgk om uio a ncono

gnv ov rnmgn ancg `gk oo tngk tnt jmgk rgn ggn u oni tn rnt ri

rp onc ncr gk om oo gkg ngk rngk ji rpcgk rn kii ogn rpmgn gky

ogk kim rgk'

Ui ro rgk rpgk an omc u u rn gky ogk o angk gn rpg

rpgk }vo r, Uir Gmj mgk l ijg om oo bgk ugv rgo gkci'

gk kt uc rngn ogk , angk rn angk ag gkgn gkg ngk, o ~fj

l jgn jv om gg aign r' Rvy gnig, ui ~v rn ni gnt gky ogk sv pgk

uc gg aign r anv uo u rn kii, ogk ui gngk k big pm rpg rn rpgk

rig r Uir Gmj gngk rngk ovi gj 044; u vgj 044> onc rny ug

rnmgn ancg u }vg rp pi pc rnmgn ancg om oo gkg ngk rngk ji o

gknm ot `on o u l lvg u rno rig' Rpg o s ug bgk gngk l rnvyr

o no rpcgk ongk rpgn c rc `o omc no * Rpgki no Aign r Rngn

tn N On Jign uc iv aig Uir Gmj, Lvgug gy `g uGgk omc niv

}v }vg rp pi pc rnmgn ancg rpcgk oo gkg ngk rngk ji Uir Gmj'

0' irgk u tnj ui gknig ov8

Rgk }vmg u gkg ngk rngk ji, }vg rp pi pc rpcgk aign bcmgn gkg

ngk u }vg rp pi pc rnmgn ancg1 rgn rnmgn ancg u }vg rp rnmgn ancg om

oo gkg ngk rngk ji Uir Gmj1 gngk rg ri, ng on rpcgk lgn uo gy u


10/82

* 0 *

jr s ìg tnt ggk omc niv }v }vg rp pi pc rnmgn ancg rpcgk oo gkg

ngk rngk ji Uir Gmj'

Tnj ui gknig ov8g ovi gj 044>, o 2 gkg ngk rngk ji gn

go, ?; gkg ngk rngk ji o tng rpcgk ? gkg ngk jio ot kiy

tnt rngn lt u ncrgk, kj8 @c Uir, Rig Tncgk, Lig Uir' Gn uy, o

?>#2= gkg ngk ncrgk, o s liv lon s1 gngk rpcgk 2 gkg ngk onm

ovgk ot `c oc rngk gig, `c oc ri ongn rpg {f`sirf om gkg ngk jgn8

@o , Bv An Rcg Ov, Gnr, Uir Gmj Rngk Rg, gg no uig angk

rnv rnto s liv' Rvy gnig, oo gkg ngk gy o }vy j angk lg, angk

o s ano ìrgk a gc sc ui oo gkg ngk og li, bc uy, angk gn ngk

g ar }v tng ron' Lvg ug s anc sr ?2#2= gkg ngk rngk ji gim,

angk ~r gkg ngk lig bcmgn u oni gngn gkg ngk go gkci'

?' Tngk tnt gknig ov8

Lvgug s bgk ootngk tnt8 j r * kii rnon, sc sgn * i oniv,

tng ron * rgk nt, rngk a j r, aijgn ki rnir'''

2' Gngk ar }vro om Lvgug8Jr l, tng ron gi bvgk o`g om }vg rp pi pc rpcgk aign bcmgn gkg

ngk u }vg rp pi pc rnmgn ancg'

Nmi l, gn ki rgn rnmgn ancg u }vg rp pi pc rnmgn ancg, rj pm

gngk ng on, rg ri u jr s ìg tnt gnj ncg rnig ncrgk gy rpcgk

rni kimg goo gkg ngk rngk ji Uir Gmj'

6' Gi bvgk ar ov om Lvgug8

Gkci tng jv, ar lvg, rn jo, ri liv rnmj anc, Lvgug kj ?

ongk'


11/82

* ? *

ONGK =

RGK ]VMG U ]VG RP PI PC AIGN BCMGN U ]VG RP

PI PC RNMGN ANCG RPCGK GKG NGK RNGK JI

='= Rgk }vmg u gkg ngk rngk ji8

='='= Ani gij8

Gkg ngk rngk ji l jr rpvgk kimg ri ongn gk umi rp }vmg rpgk

rpcgk uioj `c gg aign r ncrgk gnt gngk, niv }v' Gkg ngk rngk

ji l lci ngn gkg ngk kimc bon rpo rit ui oo r ono aign r u o gng,

`gk oon gng rig ki, rig rir aij, pi s bgk s ug onc umy, oniranv, ovgk ot oo tngk rig rnmgn rcg u bon u gkg ngk onc oo i rgk

gv rpg' Gkg ngk rngk ji l lci ngn gkg ngk o s lgk lg u pr tn

`ig rpcgk gg aign r rn rpgk' _ o jr om lci ngn gkg ngk gy rpcgk nv

nr oo ncrgk aign r ~ ni ongk r pgk8 v o jr n rngk gkg ngk

rngk ji tnr rpig, rn s o s tnr rpig ui ro omc om gg aign r'

Rnfc Lvr oo r ono rg bgk bc ]vo nigo Ogk nc ~ ni on gknm

Uir Gmj, anc ^, a nt rn nmi rngk }vm uc gky =0 rngk =0 gj =99;8

Gkg ngk l lci ngn r ono rg bgko rno nig rcg ` ncrgk gkg

ngk u oo ncrgk ano o lig }vmg .Ancg 0 iv 04)' Lvr gy og ~o

gn8 R ono rg bgk l bcmgn gknito rngn lt rnfc }vy gn om Lvr gy

u oo }vy gn ano om tnt lvr ncrgk aign bcmgn rig r, lj bon u

gkg ngk ui gi bvgk gng rig ki u s bgk rig ki ot rg bgk, ovgk gk

oo bon u rnmgn rcg .Ancg = iv 04) u Ncrgk gkg ngk l ncrgk

aign bcmgn rig r u bon u gkg ngk ui gi bvgk rngk ~vyg l gng rig

ki, s bgk s rig gy ot rg bgk u ovgk gk oo bon u rnmgn rcg

.Ancg ; iv 04)'

c lvr gkg ngk om Ogk nc Tnt angkgn8 Gkg ngk rngk ji

l gngk osj gkn gknit rngk ~vyg l gng rig `o om ogk ongk bi

ngn rno a rno nco bi oo ngn rno ano u s bgk gkvg lo onc ongn

n rpcgk oo gknit u u onir anv, rg bgk u ri ongn'


12/82

* 2 *

Gn uy, gkg ngk rngk ji l jrgn on ri ongn rpvgk kimg }vmg

rpgk rpcgk gg aign r rn rpgk' Gnn rngkgn on ri ongn rpvgk kimg gy

j oo gkvg rig gng pi gj pi po rpcgk ~ ni so nvy gk, rt rpvgk li,

gk rni s ugo s bgk ot rg bgk onc oo r ono aign r u o

gng ui joon tnr rpig aign r ~ ni'

='='0 Onoggk om gkg ngk rngk ji8

Rpcgk iv aig om gg aign r rn rpgk u n rngk gkg ngk tnr rpig,

gkg ngk rngk ji o `m onoggko`g8 onoggk rpvgk kimg rg bgk, ono

ggk rpvgk kimg rnmgn rcg, onoggk ovgk gk bon u gkg ngk'

Ono ggk rpvgk kimg rg bgk8 gkg ngk rngk ji gk umi rp

rpvgk kimg rpcgk uio rt rpvgk, nvy gk oo gkvg rig r rj rni, gng pi rpcgk

gg aign r, `mc kj8 rig rir aij om bg o, ug `gk rig om oo g u, r

ono aign r1 `ig g rngn gkvg ug rg bgk onc umy .ot rg bgk), tgk

oo gnv ov ug aign bcmgn, ugv r onc oo gkgn aign r u gnv ov ug riv

bgk om ~ ni'

Onoggk rpvgk kimg rnmgn rcg8 gkg ngk rngk jigk pm ljrpvgk kimg rnmgn rcg rno nig oo kimc bon kim gki jvm ui gki `g,

kim oo anon ngk ui gnmv gnj ncg rr oo }vmg n aign r rngk ji om

oo i rgk gv rpg'

Onoggk ovgk gk bon u gkg ngk8 gnv ov om anon ngk gky

ogk m bgk1 bc uy, gkci ono ggk rpvgk kimg rg bgk, rpvgk kimg rnmgn rcg

rcg, gkg ngk rngk ji og rno nig ono ggk ovgk gk bon u gkg ngk'

='0 ]vg rp pi pc rpcgk aign bcmgn gkg ngk8

='0'= Ani gij u pi pc8

O gnivgn gknm ano gnmv u pi pc, gngk gng onvgk o rn onim lj

nmi }vmg ij smv8

Rnfc }vmg ij rpvyg rngk8 Pi pc l gngk rnir ni, jr jr, gkvy

nij nco oo yv r ano lig }vmg g gkvy nij, an ang, nco iv angk


13/82

* 6 *

ono ong o rn ~y pm onc ocg gki' ^ ni lci gki ogk tnr rpig, ncrgk

om ocg gki ogk m bgk, rn gniv lci pi pc ji tnr sign'

Rnfc }vmg ij rpvgk nc8 Pi pc l s `r rpo o rnc lgko' Pi

pc um jmgk rgn ron oo, um jmgk rgn riv oo, rnfc gknm pi pc o rn jmgk

g onc ocg gki gngk rg rnr, jr jr, gkvy nij, gngk ogk o rn jmgk

g gngk oni, rni oangk gk' Gv ron oo gknig ov, gng bgk pi pc,

ongk rm o rn rj pm o gngk ìg tnt tngk gkm, ng on jr riv oo u

rg bgk, tnr nvy jr ron oo bc pi pc jmgk ri'

='0'0 Pi pc rpcgk aign bcmgn gkg ngk8

Pi pc rpcgk aign bcmgn gkg ngk o niv l gngk ìg o angk jcgk

i j ani ~y pm s bg g s rg rnr u ri sg om gkg ngk, kij sr li

gnvg rno r sc ui b aig nco tni ` pm rnj jr ancg oni tn o rn ncg

rngn o jr gknit u ri ongn gnrgn'

]vm ani gij gv rpg, o rn pr pm jr s gng ~r smv niv p ng u

`g onr om pi pc8

Jr l, pi pc u li gnvg a ugk om gkg ngk l nmi i lgkgk ìgui gnmv rpcgk jr tnj ui gnrgn'

Nmi l,ani ot g pi pc, gki rm rngk gnog nmi yv r jmgk rgn

o rpgk om pi pc l ìg pi pc8 jo rnir ni bc pi pc ky pm u rg svr

~vr nig pi pc8 s rpgk nt rnvg li pi pc ~vr nig#rgk s rpgk ntgk

an ggk'

@m l, pi pc l yv r anon }vmg, gg gki rm angk rn gc lci rpo

ng j on o rn ng on s ~vr nig u gngk ro ni om ongk ky pm'

Oo lci pi rc rpcgk aign bcmgn gkg ngk8

O `g lci pi pc o`g rpcgk aign bcmgn gkg ngk8

Pi pc rg bgk8 l lci pi pc tnr sign rpcgk }v rpgn ot rg bgk om

gkg ngk, ìv nig rpg rno r }vm uio anon ngk angk rpo gnco rp

gangk gk ng onc gkg ngk'


14/82

* 5 *

Pi pc r ki nici8 l lci pi pc tnr sign rpcgk }v rpgn onc umy

gkci r nco aign bcmgn gkci r ani r ki ìg gk rnfc oniv ngk `r li onc

gkg ngk'

Pi pc li svr8 l lci pi pc ~vr nig ani o s rnmy i om li svr rn

rpgk nco om gngk yv r o lig }vmg g li svr bgg rg rnr u ri sg

nco lj kij rnv gnt om gkg ngk'

Pi pc rnmgn ancg8 l lci pi pc ~vr nig rpcgk rpgk nt gkg ngk

rniv an ggk oni rp bc angk onvyg i at oo lci ri sg pm rig jr nco

angk rn umy jg t gk yv ov om oo ntgk rnmgn rcg'

='0'? ]vg rp pi pc rpcgk aign bcmgn gkg ngk8

Rnfc }vmg ij om rpgk tni ji, o gniv gki gk rnvg, onc

pgk og }vg rp rr o oo lci pi pc rpcgk aign bcmgn gkg ngk jr oon rcg

big' Rnfc , }vg rp pi pc l }v rpgn rit og pi pc jr oon ancm no, rcg

big u o n rngk gnj gng bgk, aij scr, tngk gkm u kij rniv gngk

rg rnr, jr jr, gngkgn ngk `r li om pi pc' ]vg rp pi pc `mc kj gj

ò8 gng bgk pi pc, tng ron pi pc, c lgk pi pc, aij scr, tngk gkm uri rppi pc'

Gng bgk pi pc8

iv aig rig }vyr }vg rp pi pc l tni gng bgko pi pc' Gng

bgk pi pc l }v rpgn ~o gn lig ro u o n rngk oo ncrgk aign bcmgn

om gkg ngk1 `mc kj8 uio rnfc bi, ~fj ~r, gknig ov ji rpgk ncrgk

u rcg ` ncrgk om gkg ngk gnj rngk a o rr o oo lci pi pc, a o

b `c gngk lci pi pc ji o rn ~vr nig rpcgk rgk lmi, r o oo ìg

tnt aij scr, ri rponc rgk lci pi pc tn nt'

Tng ron pi pc8

y ongn l uio rj pm gkvyg gng ky pm pi pc' Tng ron pi pc gnj

pm ìg tnt nv niv tngk gkm pi pc' Rpg osrj pm oo gkvyg gng, ro

gkg oo gkvyg gng lj rnmy i ongk, }vm s tngk gkm pi pc jr

oon niv }v ng'


15/82

* ; *

c lgk pi pc8

Jvg uy, tni rnv rnt s liv, lt jm rpgc lgk pi pc u tng ron,

gn ki' gn ki jo }vmg rpgk om pi pc i ui gkg ngk, gki rm s

bgk nmi riv on8 rg svr ~vr nig om pi pc u ìg om pi pc, ro l jo

gknij rpgk om rg rnr, y l riv on o umi rp }vyrgn'

Aij scr, tngk gkm pi pc8

Aij scr pi pc l rpgk rj om }vg rp pi pc' l uio s bgk oo ìg

tnt, a rnvr, ogk o, onig lo, oo ongk rpgn ncr gk gkg gkm,

tngk rpgn nco kij rniv gngk rg rnr, gngkgn ngk angk jcgk i o

rn ~y pm i ui gkg ngk' Oo ìg tnt aij scr o rn l8 tngk rpgn pi pc,

gkg gkm rg rnr, onvyg kimc pi pc, m bgk pi pc, }vg rp rngk rig, '''

Ri rp pi pc8

Jo b, rno nig oo ìg tnt tngk gkm, gngk pi pc ug o rn ~y

pm' Ani , rpo nr og rnfc bi, ~o gn ongn ~o gngk rg rnr u ri sg,

gkvg gng lo nco u ki rp tnt l' _mv , og rnir lt oo ìg tnt ri rp

tn nt' Gng onvgk, oo ìg tnt gy o onim lj nmi gnj8 r ano tno uonvyg kimc pi pc'

='0'2 Gkvyg gng bg g pi pc rpcgk aign bcmgn gkg ngk8

O `m gnj gkvyg gng bg g pi pc8

Gnj gkvyg gng rnvo u ggk lo }vg rp gkg ngk8

Bc angk }vg l onr on rnmgn ancg bg g rniv an ggk oni rp'

Onc umy u v r }v jo, u b rt rpvgk onc umy }v gniv uc jr

bcmgn gknit nco jr gkgn gc 1 rpcgk v r on on rpgk uc jr lci

ongk ancg o pi pc omc'

Bc rniv mj niv rn rpgk, rniv rngk rig nco tng ron rngk rig

angk y bg g onc umy ncov r angk nt l'

Bc ncrgk aign bcmgn rpi tnt lvr, rnmj '''

Bc og ` gkg ngk rniv c o gkn gknit, yv aj u rpgn

gknit u'


16/82

* > *

Gnj gkvyg gng rnvo u tnm anon ngk8

Bc anon ngk umy ug rniv ggk lo tnt l'

Bc anon ngk s bgk ug smi joon, aj niv }v'

Anon ngk aign bcmgn rnvm l lig ro, ngk nc angk riv rno'

]vg l ug angk nt l bg g rniv an ggk rnmgn ancg'

On bcmgn gknit umy ug rniv ggk loiv ngn, rnmj , lmc'

Gnj gkvyg gng anon }vmg r ji rpgk ncr gk aign bcmgn8

Bc rnig rmi, nc ncg'

Rgn ngn mg gign, ongn rp rpcgk go, anv uo angk ggn'

Bc angk ncgk nco svy rnci aign r, lj tnr, jr og `gk og og

rnmgn rcg }vo r bg g r ki nici `iggk `r rngk'

Ji rpgk tnt l `r li, lgk lc rpcgk }vg l uj'

='0'6 gn ngk om pi pc g ncr gk aign bcmgn om gkg ngk u

gg aign r *~ ni8

Pi pc ~y pm s ky rg rnr u ri sg onc gkg ngk' Gngk rg rnr

rngk kt l jr ug ani onc umy, kim rgk oni tn ncrgk, kij sr li gnvg,kij sr ki rp om ri sg,'''

Pi pc lj kij vy rg om gkg ngk, s rg gnij om anon ngk u o rn

gn jr rngk niv om gkg ngk' Jr gkg ngk aign bcmgn ` l lig ro nco

rngk ~vyg angk an ggk rnmgn ancg o rn bgg jr ovo pr rig }vy

j lg u ocg gk tn sg l rr yv'

Pi pc anig gkg ngk ` l u ` tn sg, s gn ngk g ngk gkg

gki ki rig, ngk gkg bcmgn gknit angk otgk ug''' lj onc gg

aign r ` svy rnci, ki o rgk omc, so jvm kij sr, rnr gknit rgk, ky pi

lcg rpr r ~ ni, u ng gm s ac rnfc s st om ngk lcr oo gkg ngk

rpcgk go u anv uo' Gkci pm, s tn sg om jr gkg ngk s bg g s

ncgk lcg om ngk lcr gkg ngk ano u gn ngk ~vg rcg ` gg aign r'

Pi pc rpcgk ncrgk rg bgk og gn ngkg aign r rn kii, `i l

rpcgk iv aig ni gnt u rcg ov nc u aign r nig gmy, gg aign r om ji


17/82

* 9 *

}vo kim v tn rnvo uc gg aign r anv uo u rn kii' Jr ano, ji lig n

u rig r, v r kim oo go kim rgk pr gnmgn gg pi pc rg bgkjr go

lvg gn ngk rpo ritg gg aign r oo go lig }vmg' Rno rig ongk

jign }vm ovo angk ncgk rig r Onv .=99;) u ovo angk ncgk ri ongn

Gmj J .044=*0440)'

='? ]vg rp pi pc rnmgn ancg8

='?'= Ani gij u rnmgn ancg u pi pc rnmgn ancg8

Rgn rnmgn ancg om gkg ngk rngk ji o ~fj gn an ggk ro

rni .rnf sncpr*pvg m`iliry) tgk gnv ov pr rig ki u kii gkg oo ancg

rg bgk omj ar' Gn uy, pi pc rnmgn ancg l lci pi pc ani gkg ngk angk

o an ggk ovgk gk y lgk rig jr onc gnv ov rnmgn ancg ro rni1

nco ovgk gk gngk ui oni tn omc' Gi oon ano, y l lci pi pc ~vr nig

rpcgk rpgk nt gkg ngk rniv an ggk oni rp bc angk onvygi at oo lci

ri sg pm rig jr nco angk rn umy jg t gk yv ov om oo ntgk

rnmgn rcg'

='?'0 Gi bvgk }vg rp pi pc rnmgn ancg8]vg rp pi pc rnmgn ancg l uio }vg l o niv }v ov rpo rgn rnmgn

ancg .rgn lgk) om ri sg u }vg l rr ov rpo bmgn jo om gkvg ug'

@g onr om ncrgk }vg rp pi pc rnmgn ancg rpcgk gkg ngk o rn

o arnmi gi bvgk smv8

Jr l, nij ani gc ri jr rni ij j rgk ovgk rnmgn ancg `gk ui

rgk ov rnmgn ancg' Bc uy, gkg ngk tni rngk ~vyg i jr ui rgn rpgk

rnj nr nmy rngk b rnmgn ancg'

Nmi l, rnmgn ancg u an ggk sign li l nmi i lgk r l gknon ui

gnmv, gknm l jr ri sg o rgn rnmgn ancg ogk omc rn an ggk sign li om ri

sg ogk rnt u gko li1 jr gkvg ug o rgn rnmgn ancg ogk omc rn

rngk o oni tn nvy gk ogk lg u bc , lj kij an ggk sign li ani s

bgk onc umy'


18/82

* =4 *

Gkg ngk og b rp rnmgn ancg oni rp gngk oni tn rngk ~vyg,

gn li rig ki''', u o gngk o so rnmgn ancg angk jcgk i, gn jr ovo

pr rig ki ngk lcr nmy yv ov umy ug lg' Jr u big ngn onc o so rnmgn

ancg l gniv gki ~ g gkg ngk pr rig ogk jr rniij' Rpcgk

ncg ogn, nv gn angk jr gkg ngk gc o rntgk nr gngk yv ov

gy u b bgg gkvy ost, gkmy o ani gkg ngk onm jr an ggk

rnmgn rcg' Rr gnig, an ggk b rp rnmgn ancg aj onm ng sm g s st

om jr gkg ngk, gngk ong ono, gkg ngk s tni ` pm jr ancg oni tn

lggk tn ui jr o so rnmgn ancg angk lgk rpo' U iv s lj

kijgk a li gnvg om gkg ngk u svy g ogk an ggk st l ncg

rcg o rn'

Rnmgn ancg jmgk gknm rni ij pr lg, rnfc gknm, jr s yv ov

rnmgn ancg l ro rni nco kg gn ro rni' Ongk ng, jr ancg rig ki lg

g ng u anon ngk angk o gn rit ro bvy rp s ug gy ri gkg ngk1

ani , gkg ngk `vo tni rj aij oo gkvg ug o rn s bgk gkmy gn umy

r RORB ano' Gkci pm, yv r rni u, onv a ogk prgk }vmg rpgk rpcgk uiob aig ov rnmgn ancg bi ng' U b, ov u rnmgn ancg rngk pr lg uc jm

n, ovi n kg ui gky rv rpgk, gky gkn u oo a ncon bv lon om anon

ngk' Uio a ncono gngk yv ov rnmgn ancg gy, s kit gkg ngk ncon

gno gniv gkvgt gk ov rnmgn ancg bi ng ng l rpcgk rpgk nt

i ui ov rnmgn ancg gkg ng'

='?'? Oo gkvyg gng bg g pi pc rnmgn ancg8

Rnmgn ancg o ug om jr gkg ngk o rn bc oo gkvyg gng o`g

smv y8

Jr l, gkg ngk umy jg }v gniv oo ancg rig ki gkg ng r oo

o gng u gn on ri ongn ano1 smv onvyg nc ongk rngn gngk ri sg

v r bi ng' Onc gg, ~y pm rgn rpgk jr og i u a ng kim gkvg ug

u s bgk ug, j rngk kt l bgk rig rnv u r ri sgv r gn ng bgk

rig oni pm rp oo ancg rig kig ng'


19/82

* == *

Nmi l, s rnmy i om li svr o rn ro gk g o gki ki rig u

gki umy ug' Ani li svr kij, jr s gki ki rig pr ug ani gkg ngk

v r uc gi o r svr sign li omc ng1 og gngk gki i umy ron oo rit og

oo ancg rg bgk u li svr rnt ng rpo' Gn uy, pr ovo li svr rnmy i

sgn ngk rpgk rni rnmgn ancg om gkg ngk' Ng gm, gngk ~v ngk om

s rnmy i li svr og gn ngk g ki rp rn rpgk om oo ri sg j gkg

ngk o rnfj `g rgk rnj gkvg ovgk rnmgn ancg u rpo ritgn ngk

g oni tn umy jg rpg rn rpgk rig r'

@m l, bc gkg ngk o onig lo }vg rp pi pc rnmgn ancg angk tn nt

u aj niv }v gn8 oo ongk ancg mgk snv o rgn rnmgn ancg rnt, b

rp om gkg ngk angk onc gnv ov oni rp'''

='?'2 Ovgk u ov u rnmgn ancg8

Yv ov rnmgn ancg om jr gkg ngk o rno ~fj ~r `gk j ngn

ovgk * ov u rnmgn ancg'

Ovgk u rnmgn ancg8

Ovgk rnmgn ancg l oo ancg ug lj rgk an ggk oni rp om gkgngk, l gkvg ovgk ot rnmgn ancg onc gkg ngk, `mc kj8

* Oo ancg rig kimgk g'

* Bcmgn rnv r uio `g oo bon u tni rig ki'

* Rnv ni oo ancg rg bgk ot'

* @g oo ri sgmgk aign bcmgn u s bgk '

* Umy jg rpg rn rpgk rig r'

Ov u rnmgn ancg8

Ov u rnmgn ancg l gnv ov ug onc oo jo on ncr gk om gkg

ngk, oo ancg lj kij }v om gkg ngk' Rngk rngk, rpcgk lgn uo aign

bcmgn om gkg ngk, gngk ncrgk rc pm ov u rnmgn ancg `mc kj8

* Anon ngk pr rig r ri ancg'

* Yv ov umy ug r gngk anon ngk o onr lgk rg bgk omc'

* Rnmgn rcg oo ancg umy tni rig ki'


20/82

* =0 *

* Oni tn tnr sign ani aign bcmgn oo sg tnj, bon u'

* Rnmgn rcg o ro `gk rig'

='?'6 gn ki rpgk rni rnmgn ancg8Rpgk rni rnmgn ancg pgk GTL .gfr li}vibiry tcsiricg) om jr gkg ngk

o ~o gn gn smv8

GTL : Rgk ovgk u rnmgn ancg * Rgk ov u rnmgn ancg

O `m an ggk o rn ~y pm smv y8

Rngk b rnmgn ancg8 Ani ovgk rnmgn ancg ur }v ov rnmgn ancg

.GTL74), gkg ngk mgk rpgk rni rngk b rnmgn ancg' Gn }vg rp gkg

ngk tni og gnov r s ug rngk b gy uc v jmgk li niv }v onc ri

ani ongk ogo s bgktgk gnv ov rnmgn ancg rpcgk rgk lmi'

Rnj nr rnmgn ancg8 Ani ov rnmgn ancg lg ng ovgk rnmgn ancg

.GTL


21/82

* =? *

ngk lg' Rno nig rr gkvyg ro gy s kit gn }vg rp rnmgn ancg b aig

rpo o tng rngk b nmy rnj nr rnmgn ancg u ~ l o niv }v rgk

rpgk nt'

@m l, gnv ov rnmgn ancg om gkg ngk u oo }vyrgn lig }vmg g

ug rnmgn ancg tnio tng ron rpg oslig ro, rpgn ac bi }v lv

jr rpcgk nmi rgn rpgk rngk b nmy rnj nr rnmgn ancg' Rngk b rnmgn ancg

gg ov rgk lo ani g ~y pm gnj rpgn jr s kij sr rpcgk rnv gnt

om gkg ngk1 rnj nr rnmgn ancg gg o ~ l at rni kij `r s ogk

rngk rpcgk uio umy jg nmy `g ri sg'

='?'5'0 Oo onig lo }vg rp rnmgn ancg8

~ l ug rnmgn ancg, oo gkg ngk o rn rit og rnfc `m ngk

smv y8

* Rc pm gkvg ovgk ot rnmgn ancg r `g rpcgk .bm uc ri sg O)'

* Umy jg r `g gkci .bm uc ri sg G) tgk gnv ov rnmgn

ancg'

* Tni nt og `gko nmi ngk gv rpg' Onig lo }vg rp rnmgn ancg bm uc ri sg O .b rp, `g

oo ongk ancg u ri sg)8

Onig lo rit og rnmgn rcg rno sog ki l no rnvyr onc umy rngk

ji8 Ani rno nig onig lo gy, gkg ngk on onc umy gkg ng' Rpcgk rpgk

nt gnv ov rnmgn ancg tnr sign, gkg ngk o rn rnv ni oo ancg onc umy

nco `g gtgk gnv ov rnmgn ancg' Ng on om onig lo gy l gkg

ngk s jr bg rn tng onc umy rpvgk, bi ng'

Onig lo rit og rn rpgk rig r og ki l onig lo rit og rn

rpgk ug gkg ng8 Onig lo gy i ni gkg ngk tni b rp rnmgn ancg

lg bi ngn rno gj ki gngk ri sg o rgn rnmgn ancg omc, on yv l rig

jr u oo ongk ancg gkg ng' Ani ~vr nig gnv ov rnmgn ancg, gkg ngk

s `g lg lr oo ri sg b rp onc g ani gnv ov rnmgn ancgo tgk'

Onig lo }vg rp rnmgn ancg rnfc ngk gy rngko ki l s onvyg nc


22/82

* =2 *

ri sg, ì l gkvg ovgk rnmgn ancgo ri rp`gk oon onvygi ri sg tni

rig jr rngn rig jr'

Ri sg rnmgn ancg tni o oo o ij smv8 Tn ìg rpg rn rpgk gg o rn onvyg nc pm rig jr oon gnmgn

ongk'

Ki oggn angk gn ngkg ro u bcmgn rnv `g ri sg'

Gki `g o rn jvm li b bgk ui ki angk omc ng gniv sc ui ki

o `g pm ani tno ancgv r `mg v'

Gngk ri sg o rgn rnmgn ancg tn ìg `mc kj8 rpi tniv anc ò, oo

ancg umy gkg ngk rpvgk gk, rpi tniv rn, rig ki ri oo gkg ngk ano,

ongk ancg om oo o}vmg ongn tn, ont tniv om gkg ngk ano' Gn uy,

rpcgk onig lo }vg rp rnmgn ancg bm rpg ri sg O, jr gkg ngk o

oci l }vg rp rnmgn ancg rr gv gkg ngk gy o rn rit og gkvg ovgk rnmgn

ancg ui oni tn nt l, s lgk um rnfc yv ov u at rni'

Onig lo }vg rp rnmgn ancg bm uc ri sg O o v ij l gkg

ngk ncg rcg ongk rpcgk uio rtgk gnv ov rnmgn ancg onc jgn jangk ` l rnvo uc oo on rn ano' Rvy gnig, onig lo gy ogk o gngk

gnoij smv8

Jr ani `g ri sg ro l gkg ngk jri rnv gnt j oo ri sg gy

rc pm' Gn uy, gkg ngk onv oni tn oni ani `g i oo ri sg v r'

Tng lg oo rpgk nt ani `g ri sgv rg aj oni tn kimc bon

gn ncm ngk rp onc gki ji kii ongk ancg'

Rg rnr ogk lg onc gkg ngk gv oo ri sgfj `g ` kij ki rpg

rn rpgk, nco ` gki jvm t ki bc tni kt pr `g tgk gnv ov rnmgn

ancg'

Gkg ngk tniv r gniv uc oo ri sg o rgn rnmgn ancg omc, li

l oo ri sg o an ggk sign li rnt gg rr yvgn ngkg niv }v s bgk

ug om gkg ngk'

Onig lo }vg rp rnmgn ancg bm uc ri sg G8


23/82

* =6 *

y l onig lo }vg rp rnmgn ancg tn `igo oo gkg ngk lg s

bgk uc gngk gj 54 u ;4 om rn a rpo' Rpcgk onig lo gy, gnv ov

rnmgn ancgot gk `gk oon umy jg rpg rn rpgk rig r' Uio umy

jg on yv l t gk gnv ov rnmgn ancg ro rni u on rno nig ani o

gnv ov rnmgn ancg tnr sign'

Gkvg ri rponc onig lo gy rngk `mc kj8 umy }vm j, umy gkg

ngk rpvgk gk, `g oo nt gk jvm li, tnr ngn ongk on rig ki o rn

onvyg gngk jgn ki lg, '''Onig lo }vg rp rnmgn ancg bm rpg ri sg

G o oo gkg ngk lg s bgk pgk pi u o rn lg g =44& gnv ov

rnmgn ancg'

Gnoij om onig lo gy l gkg ngk ` tn rnvo uc rn rpgk

rig r ani t gk gnv ov rnmgn ancg .gngk gk rni ogkfj li li gnvg

omc gnr) bc s `iggk u an ggk onc umy u li svr rpg rn rpgk rig r'

Ng gm, jr gkg ngk umy jg }v gniv rngk `gn ki l o an ang u

ri ongn, ani rngk rig gy lmg pgk pm, gngk anon ngk ki rig s pr ug ngk

lcr nco gkg ngk tni nvy gk ug ui oni tn omc kt gniv lg' Ogk lo ,oo gn on ri ongn ano, rpgn pi pc o rn kt tni, s rng rpgk, b br ng

rpcgk uio ri rpug onc gkg ngk gy kii }vyr an ang u rnmgn ancg'

Onig lo og i kim ri sg O u ri sg G .}vg rp rnmgn

ancg og `gk)8

Gn tng ron rpg, o nmi onig lo }vg rp rnmgn ancg bm uc ri sg

O u bm uc ri sg G v o ng on8 onv oni tn oni ani `g oo ri sg

b rp nco ` tn rnvo }v gniv uc rn rpgk rig r' Bc , tng lg oo gkg

ngk rngk bvgk nc u ar nt o nmi onig lo rpg rc pm onig lo }vg rp

rnmgn ancg og `gk'

gn ngk om onig lo gy l8 oo gnv ov rnmgn ancg rngk ~vyg,

ngk gky sotgk `gk ri sg b rp gn rig jr, ongk ancg an ji,

rig ki ri oo gkg ngk ano '''1 oo gnv ov rnmgn ancg angk rngk ~vyg

gngk o rn b cg rpo gn gnv ov rnmgn ancg rnfc rni u, onv a, ~v


24/82

* =5 *

ngk ''' sotgk `gk oo rnc rnvg rpo u ng jo rg bgk r oo

gkg ngk i l nco gn ovgk gk ug ano1 oo gnv ov rnmgn ancg r ~vr

angk rn b `c otgk r uio umy jg rpg rn rpgk rig r1 oo gnv

ov rnmgn ancg bi ngo ncongn u gkvg ri rpl oo ancg umy gkg u

rpvgk ng, ongk ancg o rn onvyg nc rngn rig'

Oo yv r gn ngk g uio lm ong oo gkvg b rp ano gnmv ani

ug bgk onig lo }vg rp rnmgn ancg og `gk8

Rgn ot rnir om gnv ov rnmgn ancg8 Jr gnv ov rnmgn ancg ro

rni so ri rp`gk gkg }v b rp, umy }vm j nco ri onir anv ri gkg

ngk rpvgk gk'

Rni ng gnv ov rnmgn ancg8 Jr gnv ov rnmgn ancg ac bi ui

gky, ui rvg nco ui rngk o rno ri rp`gk gkvg `g ri sg O nmy

umy rpg rn rpgk rig r'

An ggk rnj gnt rn rpgk ri sg G8 Rngk on o oo gkg

ngk lg ji o rn rnmj kim rn rpgk ri sg G1 onc gg gn }vg rp gkg

ngk tni kii ng tnj ui lm ong oo rn rpgk ri sg G j gkg ngkjvg rnmj kim'

Oni tn u pi pc8 Li svr oo gkvg ug rpg rn rpgk rnmy i ngk

gky1 bc , oo gkg ngk tni rngk ~vyg rnfc bi rn rpgk gj `ro

oo rngk rig u li svr u oo iv aig onc umy i aj'

B `c r l li svr8 Ani lt a ncon ~ l rgn rpgk rnj nr rnmgn

ancg b aig, gn }vg rp tni m pm oo gkvg ug o rn t gk gnv ov

rnmgn ancg ui li svr jcgk i rnt gnr'

Rpig ugk ongn son om gkg ngk rpvgk gk u oo ancg umy

jg om anc `o8 Gn }vg rp ogk og gknig ov gk rni om gkg ngk

rpvgk gk, rgn ngn gkg son gn gogn ngkiv aig rg bgk u b

cg li svr rpg rn rpgk rig r s rnmy i pm smc' Ongk ng, jr a ncon nvy

gk ug lg om ongn tn, nco uio rno rni ongn son rig r rnr onr s lj


25/82

* =; *

kij ng jo rg bgk u kim rgk li svr' Ani , }vg rp rnmgn ancg kt an

ang ng u oni tn li umy om gkg ngk ogk rgk rgk gk'

Oo }vy gn lig }vmg g gkvg ug rnmgn ancg8 Oo }vy gn om

oo o}vmg }vg l gkg ngk gky ogk o ~v ngk }vo r nc gg gkg ngk

rpcgk go tni ug bgk jr oon sgk rc u tn nt ui rngk l onvgk'

='?'; Oo tngk tnt }vg l pi pc rnmgn ancg8

='?';'= Bvy rp jr r l nt l kim ug bgk onc b rp u ug bgk onc

aign bcmgn .onig lo rnmgn ancg) smc onc tn nt ui o ij ncr gk om

gkg ngk'

='?';'0 j `c u r l an ggk oni rp8

Ri sg O o rn rnmgn rcg gkmy

R l u an ggk oni rp :

Ri sg G tni rnmgn rcg gkmy

R ono rg bgk tni rngk ~vyg j `c r l u an ggk oni rpi

ui rgk lcigk rig, ugk gn smv8

* R l ri rniv 06& kim ki rp oo ri sg O o rn rnmgn rcg gkmy uoo ri sg G sg ng rnmgn rcg rpcgk rni kimg = rngk rit rnfc'

* R l ri rniv `gk = kim rgk ri sg O o rn rnmgn rcg gkmy rpcgk

ancgk rni kimg ; gky lj uio rit rnfc u rgk ri sg G tni rnmgn rcg

rpcgk ancgk rni kimg ; gky lj uio rit rnfc'

='?';'? _ bgk oo tngk tnt b `c rnmgn ancg8

O `g tngk tnt b `c rnmgn ancg smv y8

Tngk tnt rit og gkvg ug u s bgk ug8

Tngk tnt gy `r gkvg r nmi rno rg kig smv8

Jr l, an ggk rnmgn ancg om gkg ngk rgk ani rig ki rgk u onc

umy kij'

Nmi l, an ggk rnmgn ancg om gkg ngk kij ani rig ki kij u onc

umy rgk'


26/82

* => *

Gkmy rv gj, gkg ngk o lgk gnv ov rnmgn ancg om oo rngk,

}v rpcgk gj' @r o ani gc ovgk rnmgn ancg u ov rnmgn ancg angk og

`gk ui gnmv, gkg ngk o jr lon rnmgn ancg' lon gy o ~o gn

gn smv8

lon rnmgn ancg .li}vibiry kmt) : Rgk ovgk rnmgn ancg .=) * Rgk ov

rnmgn ancg .0)'

Ani .=) 7 .0)8 lon rnmgn ancg bgk' Gkg ngk tni gnmgn ongk v

r tng rnmgn ancg rngk b gy sign li'

Ani .0)7.=)8 lon rnmgn ancg j' Gkg ngk tni rj aij at rni oo

gkvg ri rpano gnmv ui oni tn rnt gnr'

Rpg rno r, oo ò o `g rpcgk tngk tnt rit og gkvg ug u

s bgk ug gn smv8

Rig umy u rig ki tnio b `c rpcgk ancgk rni kimg ncongn

rnmgn ancg onc .gky, rngk, }v)'

Gngk rnmy i u rig umy u rig ki tni o rgn rcg onc ogk

ancgk rni kimg ~o gn' Gn }vg rp rnmgn ancg o lgk rpgk rni rnmgn ancg pgk om

gkg ngk, nco rngk b nmy rnj nr bm uc s ìg i om rig ki u onc umy'

~y bgk j ngn b `c u rig ki u rig umy rpcgk rgk lmi, gn

}vg rp o rn s bgk oo a rnvr rngk a ano gnmv ogk ui aign gknij om

jgn' Ongk ng, jr j ngn b `c u s rnmy i rpcgk rig ki u rig umy o

rn gn smv8

Rnmy i b aig om rig umy tn rnvo uc oo ìg s smv8

Ro rgk rpgk b aig om KBT'

Li gnvg bcmgn gknit b aig'

R l rgk rpgk u ovgk rig om gkg ngk rngk ji'

R l rgk rpgk om rg bgk rngk ji'

R l lj tnr b `c'

Rnmy i b aig om rig ki tn rnvo uc oo ìg s smv8


27/82

* =9 *

Rgk rpgk u rnv gnt o gng b aig'

Jo rgk `g l b `c'

R l rgk rpgk ovgk rig om gkg ngk rpvgk gk'

Li svr b aig om rig ki rpg rn rpgk rig r'

R l lj tnr b aig'

_mv ani ~y bgko j ngn b `c gv rpg, gkg ngk o rno lgk

gnv ov rnmgn ancg `gk oon rgn8

Jo rngk b .!) Rnmy i Rnmy i

nmy rnj nr .*) : b aig * b aig

rnmgn ancg om rig ki om rig umy

Tngk tnt rit og ov rpo ug8

Tngk tnt gy o rig ngn rnfc rpgn r nmi `o8

@o =8 Onim oo ancg rig ki u oo gkvg ano rngn gniv lci rpg o

so lgk ~o svr pr rig om anon ngk' Ongk ng, rig ki u oo gkvg

ano om gkg ngk o rn onim rngn `m lci8

Lci =8 ggn rnt' Lci 08 g gn um tni'

Lci ?8 ggn omc'

@o 08 ^o gn jo b rp rnmgn ancg onc rgk lci rig ki rpg os

ggn r l b rp rnon nt ui rpgk rni om ongk' U b8

Lci =8 96&'

Lci 08 ?4&'

Lci ?8 =6&'

Gn uy, gnv ov rnmgn ancg onc rgk oo lci rig kio rgn gn smv8

B rp rnmgn ancg onc ri sg G nvy gk : 96& ~ .Lci = BR@@) !

?4& ~ .Lci 0 BR@@) ! =6& ~ .Lci ? BR@@)'

i ui gnv ov umy ug om anon ngk, gkg ngk tni sg sgk ani anon

ngk o gnv ov u j `c oo iv aig rg bgk ro l oo ancg umy onr lgk

omc' Rpcgk rpgk nt gy, gnv ov rnmgn ancg onc oo ancg onc umy l8


28/82

* 04 *

B rp rnmgn ancg onc ri sg O onc umy : B rp rnmgn ancg ri sg

G nvy gk ! Gnv ov rig umy rij ggk'

Tngk tnt ~o gn ~o svr ji rgn nvgk8Tngk tnt gy o rno nig rnfc rpgn r nmi ò8

@o =8 Gkg ngk bcg an ggk ~y pm om ji rpgk rni rnmgn ancg

rnfc `m ot8

An ggk ~v gnr ani8 rig ki ~vgk rnt bi jo b aig nco rig

umy lg omc rpg jo b aig'

An ggk rr gnr ani8rig ki lg omc rpg jo b aig nco rig umy

~vgk rnt bi jo b aig'

An ggk rno r8 gjot gc kim nmi ot rpg'

@o 08 ô gn gnv ov rnmgn ancg rnfc ogk rno8g

Rpgk rni rnmgn ancg b aig : Ti~_Bii:=

Rpcgk 8 Ti8 ô svr rgk gk ui jr rpcgk `m an ggk'

_Bi8 Rngk b nmy rnj nr rnmgn ancg rnfc ji an ggk'

Tngk tnt rit og on s rnmgn ancg8

Tngk tnt gy bm rpg osaign gknij pigk o om gkg ngk u oo

on s rpvgk `gn rpcgk gkgn' Gj on s rnmgn ancg smv rngko s bgk8

Rig jr ! rig ki ri oo gn on ri ongn

Rpgk rni rig jr :

Ri sg O

On s gy ogk omc ongk r gkg ngk o an ggk ~ l oo rgn nvgkrnmgn ancg ro rni' Rpgk rni rig jr tn rnvo uc8

Oo yv r j gkg ngk o rn aij scr o8

* Gnj yv r lj rgk }v rig r8 @g ongk ancg, gng li ongk

ancg1 umy }vm j, tnr ngn ongk on rig ki nmy gng rig ki anon ngk1

gngk ancg rg bgk g ng rnv ni'


29/82

* 0= *

* Gnj yv r lj kij }v rig r8 Jvm ongk ancg, rp li rig ki1

anon ngk pr rig rnfc gn a1 rp gumy g ng1 onc umy }vm j1 rnmgn rcg

tn bon u onc gkg ngk ano'

Oo yv r j gkg ngk angk rn aij scr o8

* Gnj yv r lj rgk }v rig r8 Gngk ancg rig gng o r

gknit u rnmgn rcg ` rp1 oo ancg rnv rnv n, rig jr rpcgk }v rpgn rnv

.rigmgk onvyg)'

* Gnj yv r lj kij }v rig r8Oo ancg tni rp rpcgk gknit u

rnmgn rcg rig jr1 rnv tni rnmgn rcg onc gkg son1 anon ngk pr rig ki

rpo ng'

Ongk ancg ongn tn

Ongk ancg o rgn rnmgn ancg :

Ri sg O

R l ongk ancg ongn tn ogk omc, rpgk rni rnmgn ancg ogk rr'

Rgk onc umy }vm j * rgk g}vm j

U rp rnmgn ancg :onc umy }vm j Ri sg O

An ggk rnmgn ancg rgk ani on s gy rgk'

Ki rp ongk ancg oj o

R s ongk ancg oj o :

Rgk ki rp ongk ancg

An ggk rnmgn ancg rgk ani on s gy kij'

Rig ki kimc bon

R s rngn tng rig `ig gk :

Rgk s rig ki

R s gy kij rn nig yv ov rnmgn ancg kij u rgn ggn om rig

ki rgk'

='?'> Oo riv onvg ovi ogk onc uio gn ki }vg rp rnmgn ancg8


30/82

* 00 *

Rpg rno r, angk jr gkg ngk gc o rn angkgn b rp rnmgn ancg

om gkg ngk jgn nt l nmy angk, gv gn onm ur }vm rn rnon om rn

rpgk' Bc uy, oo gn }vg rp og on g oo rg niv smv y om rn rpgk

ri ongn8

Lgk rig om ogk ongk8 Oo o gng u r ono o lc gki u an ggk

rnmgn ancg om gkg ngk3

_ ug gk rpcgk ki o o tniv8 Ki o tniv om gkg ngk mgk

kij sr o tni bc gn v r lc gki u jr ovo angk ncgk rnmgn ancg o rn

~y pm i ui gkg ngk3

Tng ` pi pc rpg ongk on rig ki u oo ancg onc umy ano8

Tng ` pi pc gy o omc ng jo `gn }vg rpg rn rpgk1 iv rn nig gn

v r o gngk lc gki u rgk lmi tnr rpig om gkg ngk3

Rg rnr rpcgk uio `g ri sg8 Gkg ngk o tni rngk ~vyg `g

ri sg ui rg rnrgk a gnjtgk gnv ov rnmgn ancg3

An ggk t gk yv ov rg bgk om anon ngk8 Ui ancg rg

bgk onr lgk omc, gkg ngk lvg o an ggk tgk nmy r oni3 Umy ug r gkg ngk rpvgk gk8 Gkg ngk o tni gj rpcgk rgn

nvgk `r `vo tni umy gngk ancg lg r gkg ngk rpvgk gk j `c an

ggk rnmgn rcg3

Gv ov rp li l o onc `r a rg niv gc rpg y, gn }vg rp og ~fj

~r li onig lo }vg rp u rno r an ggk rnmgn ancg o oo }vyrgn

rnmy i tn nt gnj jmgk li jr ar }v rr ng onc rpgk rni rnmgn ancg'

='2 Aij gn oo ki rnir u an ggk rnmgn ancg8

tng gn rgn rnmgn ancg u jo mg rcg rpcgk ? gj 0445, 044;,

044> om oo gkg ngk rngk ji Uir Gmj, ongk rm rgn oo n s mg rcg u

on s rnmgn ancg rpvgk `gn, `gk oon ogk n s, on s om ? gj, pi onim `m'

Oo n s, on s `mc kj8 N s N=8 Ug r o#Rgk gkvg ug nvy gk1 N s

N08 Ug r o#Rgk ri sg O1 On s N?8 .Rig jr!Rig ki ri oo

RORB)#Rgk ri sg O1 On s N28 B g#Rgk ri sg O1 On s N

68 B


31/82

* 0? *

g#Rig ki anon ngk1 On s N58 .Ongk ancg aign bcmgn!Ongk ancg sg

sgk `g)#Rgk ri sg O1 On s N;8 Rig ki u onc umy RORB#Rig ki u

umy r RORB1 On s N>8 .Rig jr!Rig ki ri RORB)#Rig ki om anon ngk'

_ bgk tng jj _T__, tnig `g =?'4, ongk rm o `gk rngk a j r

u oo n s mg rcg u on s rnmgn ancg rpvgk `gn gn smv8

Bfsopitriuf _rmrisrios

?2 2,509= 52,=6=2 0=,=40209 =5,90>;0=2

?2 2,20=0 ?;,064? =6,52=249 9,56?6500

?2 =,?206 24,42?> =?,5=6542 9,=456?=6?2 ?6,=?6; ;2,946> 66,642=;9 =0,?9=52;9

?2 65,6666 046,9;94 ==5,6;=4 2=,265=0?0

?2 ,4444 02,6;66 ;,;64442 5,>0>0294

?2 ,?;54 9>69?,=2 094=,?>4 =594>,?46?>

?2 ?,26;0 =2;,246= ?4,9;;>>2 0>,?206424

?2

Ucg rv oc#Rcgk ucg nvy

bcgk

Ucg rv oc#Rcgk rmi smg oc

Rpmgk rnmi rifg jmrGmgk lvo onc umy

Bv gc#Rifg kvi

Onvgk ancmg rnmgnancmg

Rpmgk rnmi pcgk bci uci

RORB

.Rifg jmr ! rifg kvi rmi

RORB)#Rifg kvi anmon

nmgk

Umlib G .lisr{isf)

G Jigijvj Jm~ijvj Jfmg _rb' Bfuimricg

o os~o gn rig oy onc oo gnggn, gn ki, tng ron rpcgk

Ongk 0, ongk rm s bgk tng jj _T__, tnig `g =?'4 rig ngn aij

gn jr s ki rnir u on s rnmgn ancg gn smv8

='2'= Aij gn u on s N? * rpgk rni rig jr8

Ki rnir r pm l N? : =5,>&' Ar }v tng ron `gk _T__8

Cgf*_mjtlf _rmrisrios

?2 =?,5=6542 9,=456?=6 =,65=;6;?Rpmgk rnmi rifg jmrG Jfmg _rb' Bfuimricg

_rb' FppcpJfmg

Cgf*_mjtlf Rfsr

*0,4?9 ?? ,464 *?,=>2?952 *5,?5=>=6 *,4459;;Rpmgk rnmi rifg jmrr be _ik' .0*rmilfb)

Jfmg

Bieefpfgof Lc{fp Vttfp

96& Ocgeibfgof

Igrfpuml ce rnf

Bieefpfgof

Rfsr Umlvf : =5'>


32/82

* 02 *

On s N? `gn }vg om jv l =?,50&'

]vm aij gn, `o ` ki rnir N?:=5,>&, ui ~o svr tnj smi lj pr

rnt 6&, ont gng on s N?& .Jfmg Bieefpfgof : *?,=>2?952)' iv o

gknm l, u rgk rn, oo gkg ngk rngk ji Uir Gmj on b rp ri sg rnmgn

ancg onm ri =5,>& sc ui rgk ri sg O'

='2'0 Aij gn u on s N2 * ggk lo onc umy8

Ki rnir r pm8 N2:6=,=&' Ar }v tng ron `gk _T__8

Cgf*_mjtlf _rmrisrios

?2 66,642=;9 =0,?9=52;9 0,=06=64=Gmgk lvo onc umyG Jfmg _rb' Bfuimricg

_rb' Fppcp

Jfmg

Cgf*_mjtlf Rfsr

0,4;0 ?? ,425 2,242=;90 ,4>4609 >,;0;>?4Gmgk lvo onc umyr be _ik' .0*rmilfb)

Jfmg


96& Ocgeibfgof

Igrfpuml ce rnf

Bieefpfgof

Rfsr Umlvf : 6='=

On s N2 `gn }vg om jv l 66,6&'

]vm aij gn, `o ` ki rnir N2:6=,=&, ui ~o svr tnj smi lj pr

rnt 2,5&


33/82

* 06 *

Cgf*_mjtlf Rfsr

0,429 ?? ,42> =2,6;4994 ,=45056 09,4?6;=6Bv gc#Rifg kvir be _ik' .0*rmilfb)

Jfmg


96& OcgeibfgofIgrfpuml ce rnf

Bieefpfgof

Rfsr Umlvf : =40

On s N6 `gn }vg om jv l ==5,6;&'

]vm aijgn, `o ` ki rnir N6:=40&, ui ~o svr tnj smi lj pr rnt

2,>&& !


34/82

* 05 *

=4,0&), rnt ng on s `gn }vg .omsn ! sfovpirifs)#Mssfrs om =44 gkg ngk lg

gnr om J l ?0& Q=5Z'

gn ki ar }v aij gn8 Jo smi lj onc tnt l gn ng nco `gk

6&' Oo aijgnv rnc jg yv ov gy1 o gknm ongk rm ncg rcg yg rj

ani `o ` ki rnir, `i l ~o svr ~y pm onc rgn nvgkgk ui ki rnir pr rnt

6&' Ar }v aij gn onc rny gngk tng ron, gn ki, gng gn u rgn

rnmgn ancg om oo gkg ngk rngk jiOngk 0 l tn nt8 r l gj ki

ri sg b rp onc gnv ov rnmgn ancg rnt1 rpcgk ani r l onc umy omc, gkg ngk

s bgk kg gn rcg ` gkvg ug nvy gko ot rg bgk' Rno pm, s

lgk gkg ngk o anc sr l ?2#2= gkg ngk ncr gk, gg jo `gn

}vg om oo on s rnmgn ancg om jv tng gn o jo `gn }vg om oo

on stnj ui rgk rn' Rno nig aijgn `gk tng jj _T__, tnig `g

=?'4 rgk rnj rig oy onc oo tng ron, gn ki tng smv'

Ar lvg Ongk =8 Gn uy, rnmgn ancg u }vg rp pi pc rnmgn ancg l

ug rngk ~vyg, rnfg onr }vyrgng s rg ri om oo gkg ngk' U l

rnvyr, o `m onig lo, sv tngk tnt }vg rp pi pc rnmgn ancg' Ry uc oij u tnj ui, }vy j ncrgk, ggk lo }vg l u ji rpgk aign r uj

j gkg ngk lm ong onig lo, tngk tnt }vg rp rnmgn ancg rgk gk'

Oo gkg ngk rngk ji Uir Gmj gv jcgk jvg ggk omc ggk lo ogn rpmgn

u niv }v, mg rcg rpcgk ncrgk, gnr l rpcgk iv aig ni gnt nig gmy, ug

rnmgn ancg, }vg rp pi pc rnmgn ancg angk rn ~fj gn' Rpcgk rni kimg

}vm, ani Gkg ngk Gn go rno rni ongn son rig r rnr onr, rgn rnmgn ancg

om oo gkg ngk rngk ji Uir Gmj kt an ang gnr gn' Ongk rm s

rj niv ug gy Ongk 01 }vm , jr s aig gkn u ki som pm

Ongk ?, ui jcgk jvg gn kt tng ggk omc niv }v }vg rp pi pc rnmgn

ancg om oo gkg ngk rngk ji Uir Gmj rpcgk rni kimg ri'


35/82

* 0; *

ONGK 0

RNO RPGK ]VG RP PI PC RNMGN ANCG RPCGK

OO GKG NGK RNGK JI UIR GMJ

0'= Rgk }vmg u n rngk gkg ngk rngk ji Uir Gmj8

0'='= @o rpmgn rgk }vmg u n rngk gkg ngk rngk ji Uir Gmj8

Gj =9>9, n rngk gkg ngk Uir Gmj o onvyg i r n rngk gkg

ngk jr ot, rpcgk Gkg ngk Gn go Uir Gmj l gkg ngk rno nig o

ono ggk om gkg ngk rngk ji u gkg ngk rpvgk gk, smgk n rngk gkg

ngk nmi ot o gn ngk rn rpgk ng' Oo oni gngn gkg ngk go gkcio tnt rnmj kim uc rn rpgk r gj =992'

Bc a rnm n rngk gkg ngk jr ot rpo y, oo gkg ngk rngk

ji gn go nig gk umi rp oni tni rpcgk anv uo gkg ngk' Gj gkg ngk

rngk ji gn go kj Gkg ngk Gkci rngk .rgn g ovi gj 044; o

tng nc), Gkg ngk Ogk rngk .rgn g ovi gj 044> o tng nc),

Gkg ngk v r u Tnr rpig, Gkg ngk Ggk gknit u Tnr rpig ggk rng,

Gkg ngk tnr rpig Gn gk `gk _gk Ov Lcgk onij 6;,46& rgk b g u

6>,4;& rgk ug nvy gk om rcg n rngk gkg ngk Uir Gmj' Oo gkg ngk

rngk ji o tng, b kim rgk gnmgn ongk u s lgk u jr s rgk

jgn u ri sg O, gngk nig ug onij jr r rpgk anij rg rpg rn rpgk8

??,92& rgk b g u ??,=2& rgk ug nvy gk Q>Z' _ rnmj kim om oo gkg

ngk go gkci ug og ng on' Ncr gk om oo gkg ngk gy onij ancgk

=4& rn tng rpcgk gj 044;' Oo gkg ngk go gkci gng onvgk v rt rpvgk

uc jr tng cg nt rpg rn rpgk l oo bcmgn gknit o ug v r go

gkci u jr s bcmgn gknit ong lo rpcgk go'

Uc kim gngk gj =994, Uir Gmj `r v oi oon n rngk gkg ngk,

o ot Gkg ngk Gn go u ot gkg ngk rngk ji'

ot Gkg ngk Gn go, oo ncr gk oi oon o rno nig

ncg rnig ng gm anvg an tnt l u rc rnvg li onc ncr gk gkg ngk'

O on }vg l om gkg ngk rpvgk gk o oi rnig gk a rngk }vm uio


36/82

* 0> *

~c ` oo aij scr rpo rit u omg rnit uc ncr gk om oo gkg ngk rngk

ji, rc rnj }vyg r on u ggk omc rpon gnij om oo gkg ngk rngk

ji rpcgk uio m pm oo }vyr gn aign bcmgn om gkg ngk jgn' Anvg an

tnt l onc ncr gk gkg ngk ogk o oi rnig' Lvr Gkg ngk Gn go

Uir Gmj u Lvr oo r ono rg bgk Uir Gmj o `mg ngn rnmy rn oo

tnt lgn u gkg ngk r rig rig ng' Oo ug `g tnt l n rp ano ogk o

`mg ngn t gk ui s tnr rpig ji om n rngk gkg ngk u rcg ` anv

uo ri ongn'

ot gkg ngk rngk ji, oo gkg ngk rngk ji gn go o

anvyg anon ncr gk rnfc ngk rngk ji ng' Oo ancg g ~v o gkvg

ko r rpo o tng lci u ~ l rngk }vm jr s ongk rpgn ~ l g rpg

tnj ui o go' Onc umy rnfc on gn u onc umy ongn son `r v o ron

ani oo ncr gk rngk ji ui s pm i om Gkg ngk gki gknc rig rng

om Gkg ngk ongn son nig gmy, u s pm i om ]v n rp tnr rpig gmy l

Gkg ngk tnr rpig' Oo gkg ngk rngk ji o tng o ogk o ur }vm

gngk an ang u s u uc gngk gky v ji rngn lt' ]vg rp gkg ngkogk o oi rnig ui uio `mg ngn jv iv l ji onc oo gkg ngk

rngk ji o tng' Ogk o ui u st gnt `r `vo lci ` gngk gkg ngk

rngk ji o tng gn angk o an ggk rg ri' Ar }v, }vmg gij rngk ji

rpcgk n rngk gkg ngk o rgk ogk, anv uo gkg ngk o ogk o

u Uir Gmj r o s g gn ri ongn a o ani anv uo ~y pm ovo angk

ncgk ri ongn rig r gj =99;'

Uc v gj 044=, Uir Gmj rit ro rno nig jr ongk rp gn oi oon

n rngk gkg ngk rcg big o rig ngn rpcgk gniv gj gnj rgk ogk

anvg an rn on, kij sr u }vg l onc jr anv uo gkg ngk niv }v ng1

m bgk nc anv uo gkg ngk rngk }vm tnr rpig rn rpgk ug1 ggk omc rgn

jign `on u r onv rpon gnij om anv uo ri ongn1 oi rnig ggk lo ri ongn

om n rngk gkg ngk1 t bgk oo riv onvg }vo r uc ncr gk gkg ngk1

~y bgk oo ongn son anvyg anon oo gkg ngk rngk ji ncr gk rpg o


37/82

* 09 *

s rngk ji ng' Jo on ongn om ongk rpgn oi oon l ggk omc ggk lo

ogn rpmgn onc rgk gkg ngk rpcgk go u rcg ` n rngk onvg ` ni gnt

}vo r'

Gkg ngk Gn go rno nig }v rpgn oi oon' O on }vg l rg

bgk, gkci ni u li svr o gi lgk tn nt ng ui o on rn rpgk'

Gngk ng on i ui ncr gk om oo gkg ngk go gkci o ~c `

bg' o s jign `on ng rpcgk }v rpgn ~y bgk oo }vy gn u rpcgk kij

sr gkg ngk' Anvg an tnt l rit ro o oi oon'

ij or li rpcgk oo g lo oi oon i ui oo gkg ngk rngk ji l

rgk ug onc oo gkg ngk gy, `mc kj rgk ug iv l, rig ri r o n s

mg rcg ug rnfc riv onvg }vo r l >& u kii }vyr ug g ~v' ]v rpgn o

ov li r o jr s rig `' Ancgk kg 6 gkn g r gk rpcgk ug iv l

om 6 gkg ngk rngk ji gn go l bc ongn tn ot' Oo gkg ngk rngk

ji gn go o aij rcg `i oo r ono aij rcg }vo r, tn nt ui oo

riv onvg a rcg }vo r' Tng lg oo gkg ngk rngk ji o tng rgk ug

iv l ri rniv r jo ug tnt gn'U jr rn on, oo gkg ngk rngk ji o r ono li rgk ogk

onr lgk }vg rp u nt l nc o ov r ono om gkg ngk' O s n rgk ogk

gkn rngk rig ogk o nig i nc ng, rc iv aig onc oo gkg ngk o

rn ovgk ot oo bon u ji onc rn rpgk' Oo }vy rpgn u rn ro aign bcmgn

ji o m uc t bgk rpcgk lgn uo rg bgk, }vg l ri sg G, ri sg

O, aij rcg gi ` u }vg rp pi pc'

Jo b, }v rpgn oi oon r o gngk ar }v gnr gn gv rpg,

gngk n rngk gkg ngk rngk ji Uir Gmj ug og gngk rg ri, ng on,

gn ngk angk gn g mg rcg, niv }v ncr gk u ggk lo ogn rpmgn

om rcg n rngk'

ij yv lg gnr om n rngk gkg ngk Uir Gmj l s oni tni om oo

gkg ngk rngk ji gn go' U jr rpvyg rngk, rpg rn kii, oo gkg ngk

rngk ji gn go o gngk gki on yv aj, angk o an ggk fj li


38/82

* ?4 *

jr ar }v aign bcmgn `g ugk nco rno nig oo }vy gn mg rcg rgk r gn

o r pm onc oo gkg ngk r gng'

Ongn tn Uir Gmj gng rny u pm l rp gn o tng nc oo gkg

ngk rngk ji gn go' Gngk bgk gn rig rno nig }v rng rpgk

ng jo og rnir' Jr s onvyg kim go gkci og onc pgk oo gkg ngk

rngk ji gn go o rn lj svy yv lg gnmv gv rno rni gngk onig lo

kigk gnmv u rp rngn gngk gkg ngk m ggk' Bgk gn anvyg oc rpg

mgk o ongn oo gkg ngk gy nig rno nc `gk gngk `o i rgk r gn

uio `g o tng onc gngk gn v r onig lo, lig ar ui oo rgk ogk ry lg

u aign bcmgn m lgn uo'

ij yv }vmg rpgk ano lj ng on an ggk ogn rpmgn rpcgk n rngk

gkg ngk l }vy j gn om anv uo gkg ngk rngk ji o tng u }vy j

gn o u rvyr i u rgk i om rgk gkg ngk rngk ji o tng' Ovi gj

0445 u gngk rngk v gj 044; ongk aig ovo vm rgk ug iv l om

oo gkg ngk gy ui uio `g o tng onc oo gkg ngk go gkci u r ono,

o gng rpcgk go' Gngk `o i gy kt tng rgk ggk lo ri ongn, rciv aig onc oo gkg ngk nig i nc gg rgk ogk gkn, ggk omc a ggk

}vg rp gngk gn g onvgk og gniv uio tni lj' Jr rpcgk gngk ug og

}vmg rj l onr lgk om oo ancg umy' Angk tni gkv gnig j Gkg

ngk Gn go `mg ngn On rn s 4?#044;#OR*GNGG gky 0>#6#044; rpcgk

angk on b g ug onc umy, onir anv kiy r o ki v r, aign bcmgn

ongk ancg jo bi ?& rgk b g rg bgk om oo r ono rg bgk' _mv ,

Gkg ngk Gn go `mg ngn ]vyr gn s 4?#044>#]*GNGG gky =#0#044>

rnmy rn On rn s 4?#044;#OR*GNGG, rpcgk }vy gn rgk b g onc umy, onir

anv kiy r o ki v r u aign bcmgn ongk ancg angk ur }v 04& ug

iv l om r ono rg bgk'

O rn gi, gv jcgk jvg ggk omc ggk lo ogn rpmgn om oo gkg ngk

rngk ji Uir Gmj rpcgk ovo vm gk bi ui rig rpgn ni gnt, angk og


39/82

* ?= *

lm ong gc ano l tni rit ro oi oon n rngk gkg ngk Uir Gmj u rr

gnig ocg gk angk `gk tngk'

0'='0 Ro gk om iv aig aign r u j g ncr gk om n rngk

gkg ngk rngk ji Uir Gmj8

Kimi cg =99>*044=, ro rgk rpgk aign r Uir Gmj r rnt bi

;gj' Ongn tn rno nig gniv kii tnt aon ov gnj m gg aign r

rncr ani rni a svy kij' Angk rn tn gng gngk rngn ogk o jmgk li

r ongn son ' Gngk gkvyg gng om jo rgk ki ongk jr gj 0442 l

bc ov ac, o rn o kii rnon jr tng r uio rno rni ongn son o ot

rpg y'

R l lj tnr u rorgkrpgk KBT gj 0442 jo 9,6& u ;,;&'

O l angk rn ont gng jo lj tnr omc rpcgk ani rorgkrpgk KBT r

rntgn uy, onc gg gkmy r kim rngk 4= gj 0446, Gkg ngk Gn go

ggk li svr onir anv u li svr ri ot ug' _mv , Gkg ngk Gn go rit

ro ggk nmi lci li svr rpg ogk ui li svro`g' Rgk ogk rpcgk gj 0446,

Gkg ngk Gn go `m lg ggk li svr onir anv u ri ot ug, nmi lg ggkli svro`g' Uigk rni gy, r l lj tnr ovigj 0446 u 0445 lglr l

>,2& u 5,5&'

Rvy gnig, gj 044; li ongk aig t lorgk ki rgk rgj 0442' Rgn

ngn o u tno rtng ani gg aign r Uir Gmj rno s`o uc sg oni lg

[RC' Rnfc @ A ncon u vr, vr rpo ritgo gkci gj 044; lg g

04,? r V_B, rgk 59,?& sc uigj 0445' Ogk ui ugvr rpo rit, bgk ug

kig rit ogkmgk uc rnrpgk ongk ancg, rnrpgk `rgk sg rngk

}vm oo }vvrgo gkci'

Ani o lgk ugv rgo gkci lg uc rn rpgk rpcgk go ky

so t lg r ki nici' Gkg ngk Gn go tni rvgk riggk pm jvm

gkci r gnj ki r ki jo o li onc ~vr anv' U kij gkvy olj tnr,

Gkg ngk Gn go li rgk r l b rp `r `vo rnv ni lgk ovgk rig

tnr ngn' Kii tnt o lm ong rpcgk rgn nvgk gy l rgk r l b rp `r


40/82

* ?0 *

`vo lg ktioo lci rig ki u a ng' Gkg ngk Gn go onc pgk, ui

kii tnt s aij onoogrgk ki' Rngngk, ovigj 044;, r l lj

tnr jo a lo =0,5?& u 2 rngk vgj 044> l ==,5&'

Rpo rgn ngn an gknij rpgkgn uy, Gkg ngk Gn go rno nig

ngk lcr ìg tnt jgngn ggk r l b rp `r `vo lg ==&, tnr ngn rg

tniv `r `vo rgk rp ki 04'?44 rgk, rnmy iooniv ngn u rgk li

svro`g, li svr onir anv, li svr ri ot ug'

Ar }v om gngk ìg tnt jgn gv rpg bg g gngk big ìg

tno rt rpg rn rpgk rig r gngk rngk ovigj 044; u vgj 044>' O

rn o gniv aig gn ki ano gnmv u ar }v r ongn son rig r rnr onr

o Gkg ngk Gn go rno rni rpcgk kimi cg gy .rgn g rpo rni ij

Gkg ngk Gn go `r v n li svr o `g `gk gk Uir Gmj r =2gj

~vgk =?gj)' Rvy gnig, aij scr o lj tnr l iv gk o kni gng

onc ongn son rig r om Gkg ngk Gn go, kt tng uc rngn ogk onvgk

om Ogk ug s ?=9#RRk*ARRN, gky 4?#4?#044> om Rn rgk Ongn tn u

uio rgk ogk oo ìg tnt aij on lj tnr gj 044>'Ovo angk ncgk `r v r gg aign r J r ovi gj 044; u gj 044>

anig ngk rpj r V_B riv rmg u s ly lmg gy ug onm onj br' Uir

Gmj ogk onv gn ngk gnr gn r ovo angk ncgk rpg, ani j gg aign r

rpcgk go gky ogk ni gnty u sv pgk ng uc aign r anv uo u rn

kii' Ongn son rnr onr rig r o rno rni ani lj tnr kim rgk ogk ui ro

gk r ovo angk ncgk aign r rcg ov lj onc ncr gk sg ~vr aign

bcmgn om oo bcmgn gknit gi m rp gg nr so an ang, o ìr bcmgn gknit

gn u um' Gkvy o ngk lcr bcmgn gknit `g uo tn sg bg nig nv'

Ongn tn gng pm ug ot rnir , at rni `mg ngn Gkn }vyr s

?4#044>#G]*OT gky ==#=0#044> u gngk kii tnt ot òn gnj gkg ong svy

kij aign r, bvy rp rgk rpgk aign r, `c j mg sign ~ ni' Rpig anmi Gkn

}vyr gv rpg om Ongn tn, Gkg ngk Gn go o On rn s 45#044>#OR*

GNGG gky ?=#=0#044>' Rign rng on c om on rn gy l iv ngn ongn son


41/82

* ?? *

rig r lign ncr, niv }v, um gkg gkm lj tnr rp li, um gkg ong svy kij

aign r' Oo kii tnt t bgk rpcgk rgn nvgk gy l iv ongn kij li svr o

`g u r l BR@@' g ovi gj 044>, li svr o `g `gk gk Uir Gmj r

=2gj ~vgk og >,6gj1 r l BR@@ kij ng jr gm, r jo ==& ~vgk

og 6&' Ui s iv ngn }vyr lir om Ongn tn, Gkg ngk Gn go, lj tnr

o aij on, aign r u j o `g o ki g gn, mg sign ~ ni o `c

j, ro rgk rpgk KBT gj 044> r 5,0?&, r l lj tnr jo =9,>9&'

0'0 Rno rpgk }vg rp pi pc rnmgn ancg rpcgk oo gkg ngk rngk

ji Uir Gmj8

Uiongk rpgn oi oon o rnir lt rcg big u gngk ar }vro

rgk ongkgn n rngk gkg ngk rngk ji Uir Gmj ugk ugk rpo ji

rn rnon' Rvy gnig, gngk k big pm ovi gj 044; u gngk rngk v gj

044> ongk rivgko li' Rpo oo `ig tnt jgn om Gkg ngk Gn

go gnj aij on lj tnr, ij yv rnmgn ancg om oo gkg ngk rngk

ji bg l p' j `c anggk rnmgn ancg, oo gkg ngk rgk li svr rnv

nr rig ki om anon ngk' iv gy bg g ovo ony vm li svr uc kimrngk 0 gj 044> u o l angk o ij bgk gv Gkg ngk Gn go angk

rvr oi `gk Ogk ig s 40#O*GNGG gky 05#40#044> angk on rpg li

svr nvy gk l =0gj' Li svr umy }vm j rpg rnrpgk lig gkg ngk o

lo ur }vm ocg s 24gj, l jorgk omc gnronm rgk o rpcgk lon s rn

rpgk lig gkg ngk Uir Gmj' Jo b, oo gkg ngk v angkgn anggk

rnmgn ancg om gkg ngk jgn ugj `c'Gngk ovo ony vm li svr angk

o ij bgk angk rn on bc ongn son rnr onr rig r jgn r Gkg ngk Gn

go' l bc ug }vg rp pi pc aign bcmgn gi onvgk, }vg rp pi pc rnmgn

ancg gi pigk onmo oci rpgk1 oo gkg ngk rgk rpgk rg bgk }v

gnmgn u vr uc oo lgn uo o pi pc omc gn ongk ancg, `rgk sg' Ani

oo rn rpgk gy sr kij rn an ggk rnv ni oo ancg onc umy ` gn

ngk' R l rgk rpgk rg bgk `gn }vg gj 044; sc ui 0445 om ?? gkg

ngk rngk ji l 6?,00& jign ongk onc gng gn rpg y .^fj @gk 0'=)'


42/82

* ?2 *

@gk 0'= R l rgk rpgk rg bgk gj 044; sc ui 0445 om ??

GNRJ Uir Gmj'

B g.rpiv UGB) Rgk rpgk_RR Gkg ngk0445 044; rvyri &

= MO@ =;'4=2'2=9 ?='>=4'>6; =2';95'2?> >5,950 Mkpi`mga =>5'?2>'24> 02;'490'=?6 54';2?';0; ?0,54? Mg @gn ='=?4'9?4 5'>6>'=?2 6';0;'042 645,202 @IBU 9>'5?>'>?> =?='9>?'662 ??'?22';=5 ??,>46 i ;?5'649 ='596'4;9 96>'6;4 =?4,=65 gk ;'9;4'5=2 =;'>4>'699 9'>?;'9>6 =0?,2?; gk Gmj ?'?5?'42> =='42='4>; ;'5;>'4?9 00>,?=> F~ij`mga =4'04;'?90 =>'260'=6= >'022';69 >4,;;

9 Kim gn 60='445 ='46='=;0 6?4'=55 =4=,;5=4 Nm`v`mga 6'9>?'05; 9'2=9'?;> ?'2?5'=== 6;,2?== NB`mga 0'5;;'6?0 >'9=0'?55 5'0?2'>?2 0?0,>5=0 Aig Lcgk 540'=02 ='?6=';20 ;29'5=> =02,64=? J@ 6'>?5'429 =='25>';20 6'5?0'59? 95,60=2 JN@ =4'==?'2?? =?'902'999 ?'>=='655 ?;,59=6 J_@ 0'>>>'=?4 5'60;'>5> ?'5?9';?> =05,40=5 Gmj 0'42;'624 0'59>'596 56='=66 ?=,>4=; Gmj Uir ?62'062 2'?5?'225 2'449'=90 ==?=,;?=> CO@ 2'554'624 ;'66;'2?> 0'>95'>9> 50,=5=9 Cofmg 55?'=5; 2';=?'220 2'464'0;6 5=4,;604 TMO 20?'64= 0';5>'25> 0'?22'95; 66?,;=0= TK >4=';>= ='9=;'549 ='==6'>0> =?9,=;00 _mocj =2'?92'?=? ?6'?;>'=2; 04'9>?'>?2 =26,;>0? _mikcg 2'>60'=;; ;'?5?'66; 0'6=='?>4 6=,;502 _O@ >'045'595 =9'2;;'54? =='0;4'94; =?;,?206 _N@ 290'9>? 2'=>?'640 ?'594'6=9 ;2>,5=05 _cvrnfpg 2'556'04; 6'>;2'==; ='04>'9=4 06,9=0; Rfonocj >'595'=4= 04'2>5'=?= ==';94'4?4 =?6,6>0> UI@mga 9'=?;'=5? =5';22'064 ;'54;'4>; >?,0609 Uir 0';?4'05? 6';52'=26 ?'4??'>>0 ===,=0

?4 Uifrocj`mga 5;';20'6=9 9;'6?='>92 09';>9'?;6 2?,9;?= Uifrig`mga >4'=60'??2 =40'=94'524 00'4?>'?45 0;,64?0 UT`mga 2'99?'9;5 =?'0>;'2;0 >'09?'295 =55,4;?? [fsrfpg 09?'54; 50>'2=2 ??2'>4; ==2,4?

Rgk ogk ?40'9>;'4=0@gn }vg 9'=>='206 6?,00

Gkvg8 @c oc rngk gig, @c oc ri ongn ngk gj om oo gkg n gk u ar }v

rgn rcg om no uig' R l rgk rpgk : .B g 044;*B g 0445)#B g 0445(=44' Gkg

ngk Rpvsr`mga angk o sliv gj 0445sc sgn'


43/82

* ?6 *

Rnfc l rnvyr rpgn `y Ongk =, oo gkg ngk o rn lm ong onig

lo, tngk tnt }vg rp rnmgn ancg tn nt ui oij ncrgk om gkg

ngk jgn' Ui gkvg b liv rnv rnto r `c oc rngk gig, `c oc ri

ongn rpcgk `m gj r 0445 g 044> om ?2#2= gkg ngk rngk ji gim, lvg

ug ong oon rit og }vm oo riv on u on s rnmgn ancg smv y gn ki

rgn rnmgn ancg u }vg rp rnmgn ancg om oo gkg ngk rngk ji Uir Gmj8

Ugiv l'

N s OMP8 r l mg rcg ug ri rniv .ug r o#rgk ri sg O pi pc

}vy i'

N s N=8 Ug r o#Rgk gkvg ug nvy gk'

N s N08 Ug r o#Rgk ri sg O'

On s N?8 .Rig jr!Rig ki ri oo RORB)#Rgk ri sg O1 nco,

(N?8 .Rig jr!Rig ki rnmgn rcg ri GNGG!Rig ki angk a ng ri

oo RORB)#Rgk ri sg O'y l on s rpgk rni rig jr'

On s ggk lo onc umy N28B g#Rgk ri sg O'

On s N68B g#Rig ki anon ngk' On s ongk ancg rnmgn ancg N58 .Ongk ancg aign bcmgn!Ongk

ancg sg sgk `g)#Rgk ri sg O'

On s N;8 Rig ki u onc umy RORB#Rig ki u umy r RORB'

On s N>8 .Rig jr!Rig ki ri RORB)#Rig ki om anon ngk1 nco,

(N>8 .Rig jr!Rig ki angk a ng ri oo RORB)#Rig ki om anon

ngk'

Riv onvg gn ki, sc sgn bm rpg oo }vy gn om Ongn tn, Gkg

ngk Gn go u `c oc rno gknij om oo r ono }vo r u oo gkg ngk

rpg rn kii'

0'0'= Ugiv l u n s OMP8 .^fj @gk 0'0)'

Gkn gn s =2=#G*OT gky 00 rngk == gj 0445 om Ongn tn }vy gn

jo ug tnt gn i ui gkg ngk rngk ji gn go g gj 044> u 04=4

l ?'444 r UGB1 i ui gkg ngk rngk ji o tng g gj 044> l ='444 r


44/82

* ?5 *

UGB, g gj 04=4 l ?'444 r UGB' Ovi gj 044>, tng lg oo gkg ngk

r o jo ug iv l lg ng ug tnt gn og rnir' Gngk g tnr onr

ug og ? rpgk nt onm rn rn tnc ui }vy gn rpg' Oo gkg ngk gy

`vo tni rit ro ~y bgk tngk g rgk ug iv l onc jo ='444 r ani

rni ij }vy gn nr' _c sgn ui oo gkg ngk oo go rpcgk anv uo onc

rny, jo ug r o om oo gkg ngk rngk ji Uir Gmj l an gn `' m

tng oo gkg ngk rpcgk go on o s ug r o uc o r ='444 r g ;'444 r

UGB' O `ir jr s gkg ngk o ug r o rgk i gn8 Mkpi`mga ng =4

gkng r UGB1 Uifrocj`mga ng =0 gkng r UGB rgn g ovi 044>1 gngk ug

onm `gk jr gkg ngk ngk rpvgk gn rpcgk anv uo l ancgk = r V_B rgk

gk ng =; gkng r UGB .rnfc r ki bc Gkg ngk Gn go ogk `)'

@gk 0'0 Ug iv l u n s OMP .rni ij ?=#=0#044>)'

UR8 r UGB, &

_RR Gkg ngkUg

iv lOMP _RR Gkg ngk

Ugiv l

OMP

GNRJGG =; Gmj ='06? *

= Mkpi`mga =4'902 (;,04 => Gmj Uir ='444 *0 @IBU >';66 (5,;4 =9 CO@ ='2;2 (=;,54? JN@ ='=>0 9,42 04 Cofmg ='444 *2 Uifrig`mga (;'54> (;,0; 0= TMO 655 *

GNRJOT 00 TK ='444 *6 MO@ 5'?66 =0,22 0? _mocj`mga 6'==6 =0,=55 Mg @gn 0';45 ?>,; 02 _mikcg@mga ='404 *; i 644 * 06 _O@ 0'=>4 9,9=> gk 0'>>4 (=2,?5 05 _N@ 0'444 *

9 gk Gmj 2'45> * 0; _cvrnfpg`mga 0'40; *=4 F~ij`mga ;'0=9 (0? 0> Rfonocj`mga ?'520 =?,99== Kim gn ='444 66,64 09 Rpvsr`mga 642 *=0 Nm`v`mga 0'>44 (=5,94 ?4 UI@mga 0'444 =4,42=? NB`mga ='664 * ?= Uir ='?69 *=2 Aig Lcgk ='444 2>,=2 ?0 Uifrocj`mga =0'=44 >,9=6 J@ ?'244 (=2,0= ?? Ut`mga 0'==; 0==5 J_@ ='644 =6,> ?2 [fsrfpg ='444 *

Gkvg8 @c oc rngk gig, @c oc ri ongn ngk gj om oo gkg ngk'N sOMP

rnmj anc rnj `i uirGij yr rpg rn rpgk }vo r * O ni u rnon rno i ui oo

GNRJ UirGmj, Gkvyg Ni @gn, Rt on gkg ngk s=?.;#044>), rpmgk 0>*??' .() 044;'


45/82

* ?; *

Gj 0449, t lo rgk ug rnfc gn ngk rpg rit ro l jr `i rcg

angk b k ui gniv gkg ngk' Rpcgk ani , rn rpgk ongk ancg Uir Gmj

o s sr kij gk a r ovi gj 044;, onc gg a ncon rgk ug gy ogk

angk n b bgk' Jr rngk rig gk on l Gkg ngk Gn go um rpgn Rn

rgk Ongntn kimc onc jgn on c oo gkg ngk rngk ji o jo ug iv

l bi 0'444 r gk on gk ~y bgk a ncon rgk ug iv l r jo ri

rniv 0'444 r gk uc rni ij ?=#=0#04491 rnfc bi, kij sr uio rgk ug

lg jo ?'444 r gk uc rni ij ?=#=0#04=41 onc tnt o t bgk oo `ig

tnt og rnir i ui gkg ngk rngk ji angk rno nig gk yv ov' Gn

uy, o rn s o rnj jr ng gn uc ?=#=0#0449 rpg ngn rpgn ?'444 r gy'

N s OMP .Omtirml Mbf}vmoy Pmrics) * n s Occaf nmy n s sir o rg

bgk, tng gn r l ug r o ri rniv gkg ngk tniro rpg rgk ri sg

O pi pc }vy i' Rnfc ]vyr gn s 26;#0446#]*GNGG gky =9 rngk 2 gj

0446 om Gkg ngk Gn go, oo r ono rg bgk, rp oni gngn gkg ngk go

gkci, tni bvy rp r l ri rniv >& kim ug r o sc ui rgk ri sg O pi pc'

Gv ~r rnfc riv on gy, jr s gkg ngk rngk ji ro1 gngk gvrgn rnfc Nit o @msfl II rn pr an r ri jo ug mg rcg >& Q2Z' Rnfc

gn ki onvgk, oo gkg ngk rngk ji Uir Gmj s kt gniv an ang u

rnon rno gv gn t bgk Nito @msfl II' Nito @msfl II }vy gn r l ug

mg rcg ug l >&, gngk kg onr on ui jo pi pc om ri sg om gkg ngk1

jo pi pc gy tn rnvo uc gniv yv r gn rg gnij om anon ngk,

rni ng ancg umy, rt rpvgk om ancg umy uc jr gnj anon ngk gnr

gn' Rpg rno r, oo gkg ngk tni bvy rp jo ug omc ng sc ui jo }vy

gnNito @msfl I, u oo gkg ngk tni ` svgk rnj ug b tngk oo

pi pc ncrgk' iv gy s `r li onc oo gkg ngk Uir Gmj, u jo pi pc

ncrgk rnt ng oo gkg ngk }vo r lg gngk ug tni t bgk onvgk jr

jo ug b tngk pi pc ncrgk l 04& rgk bcmgn rnv' Jr `r li ano, l

nv nr oo bcmgn gknit Uir Gmj v angk o ~t ngk1 bc , oo ancg

umy i ui oo bcmgn gknit gy s onv jo pi pc =44&'


46/82

* ?> *

0'0'0 N s N= u N08 .^fj @gk 0'?)'

@gk 0'? N s N= u N0 .rni ij ?=#=0#044;1 ?=#=0#044>)'

On s N=.&) On s N0.&)_RR Gkg ngk044; 044> 044; 044>

GNRJGG= Mkpi`mga 2,90 2,5 2,59 2,20 @IBU 5,4? 6,;> 6,59 6,25? JN@ 2,42 * ?,>> *2 Uifrig`mga 5,>6 * 5,2= *

GNRJOT6 MO@ ;,9= ;,95 ;,?? ;,?>5 Mg @gn =5,>; 2=,94 =2,22 09,6?

; i 54,64 ?=,25 ?;,;4 0?,9?> gk =?,?6 ==,0; ==,;; =4,=?9 gk Gmj =2,;0 * =0,>? *

=4 F~ij`mga 00,95 ?5,0> =>,5; 05,50== Kim gn 6>,9> 26,96 ?;,=4 ?=,2>=0 Nm`v`mga =6,5? =2,60 =?,60 =0,5>=? NB`mga 6,55 0=,0= 6,?5 =;,64=2 Aig Lcgk 24,>5 66,?5 09,4= ?6,5?=6 J@ =?,5= ==,;9 ==,9> =4,66=5 J_@ =0,4= 5,49 =4,;0 6,;2

=; Gmj =2,6; 0>,4= =0,;0 0=,>>=> Gmj Uir 5,0= =4,96 6,>6 9,>;=9 CO@ =5,?9 =>,;= =2,4> =6,;504 Cofmg >,>; >,09 >,=6 ;,560= TMO =;,5> =?,62 =6,40 ==,9?&00 TK =?,=? =9,>9 ==,5= =5,690? _mocj`mga =0,>2 =0,;9 ==,?> ==,?202 _mikcg@mga =5,?5 =6,=4 =2,45 =?,=006 _O@ ==,25 ;,>6 =4,0> ;,0>05 _N@ 0=,?> =>,;= =;,5= =6,;50; _cvrnfpg`mga =2,2> =0,95 =0,56 ==,2>0> Rfonocj`mga 9,9? =4,26 9,42 9,2509 Rpvsr`mga =40,?4 02,=9 64,6; =9,2;?4 UI@mga 6,>> ;,4; 6,66 5,54?= Uir =5,?= =5,;5 =2,40 =2,?5?0 Uifrocj`mga ;,?; 5,26 5,>5 5,45?? Ut`mga =?,5; =2,;9 =0,40 =0,>>?2 [fsrfpg 00,45 26,?> =>,4; 2=,?9

Gkvg8 @c oc rngk gig, @c oc ri ongn ngk gj om oo gkg ngk u ar }v

rgn rcg om no uig'


47/82

* ?9 *

i ui nmi n s N= u N0, riv onvg onvgk l lg ng 6&' Gng onvgk, oo

gkg ngk vro' _c sgn on s gy ui on s rgk gk F}viry#Mssfrs

rgn `gn }vg onc =44 gkg ngk lg gnr om J l >& .Rnfc `c oc rno

gknij Jmgmgkigk `mga li}viry pisa8 Nc{ bftcsir lcmg sygfpkifs umpy {irn

jmpafr ocgbiricgs, Fumg Kmrf, Ril _nvfpjmgg, Tnilit F' _rpmnmg, Mtpil 0445, anc

sr =44 gkg ngk lg gnrJ, r =994 * 0440), onc rny tni ongk ug r o

om oo gkg ngk rngk ji Uir Gmj rnt sc ui }vy j ncrgk' Oo gkg

ngk rgk rpgk ri sg }v gnmgn sc ui jo rgk rpgk om ug r o' ^r

bi ko mg rcg rpcgk ncrgk, iv gg o svy ~r og rpgk ng'

@gk 0'2 Rig ki anon ngk1 rig ki, umy r RORB ano1 onc umy

anon ngk, s bgk ug ano om i , Kim gn, Aig Lcgk, Rpvsr`mga

gj 044;'

g u rgn8 r UGB

Rig kianon ngk

Rig ki, umyr RORB ano

Onc umyanon ngk

_bgkug ano

OngnlonGkg ngk

.=) .0) .?) .2) .=!0*?*2)

i ='=;6 0,2 ='596 =6>,2 *5;5Kim gn 2=; >24 ='46= ;>2,6 *6;>,6Aig Lcgk 960 646 ='?6= 55=,5 *666,5Rpvsr`mga ?==,0 =>0 >?=,0 =6=,0 *2>9,0

Gkvg8 @c oc rngk gig, @c oc ri ongn ngk gj om oo gkg ngk u ar }v

rgn rcg om no uig' _ bgkug ano kj8 rig jr! rig ki GNGG ! rig ki u onc umy

RORB ano'

Jr on s N=, N0 an omc gn gkg ngk i , Kim gn, Aig Lcgk,

Rpvsr`mga o rn l rpcgk gj 044;, ug r o om oo gkg ngk rgk gnmgn

nco rj rni onm s bgk uc joon rgk ogk osur onr, rpcgk ani uio

rnv nr rig ki anon ngk angk tgk onc gnv ov onc umy' Onc gg, oo

gkg ngk tni nvy gk oo gkvg ug ano gkci rig ki anon ngk tgk

gnv ov rg bgk kim rgk' Gngk ani ngn gk gn uy, oo gkg ngk gy s kt

an ang rpcgk v r ggk ot gg rgk ogk gkn, j pgk jgk li, ani j

gkvg ug r o tni bgn onc umy' ^r rnfc tngk big gy, uio bvy rp jr

r l omc gn uy onm ng niv }v' Ng gm, uio rnv nr rig ki om anon


48/82

* 24 *

ngk kt an ang onc rny oo gkg ngk gy o gngk ug u rnmgn ancg' _

liv gj 044; 2 gkg ngk gv rpg onc rny p ng u gngk gng gn gy

.^fj @gk 0'2)' Pigk gkg ngk Aig Lcgk, bc ugiv l rgk onc ='444 r

uc gj 044> rnfc }vy gn .rgk 204 r), gg n s N=, N0 gj 044> ug omc u

s ug iv l rgk onm o s bgk' Rpgk nt rgk r l gkg ngk [fsrfpg

gj 044> ug iv l rgk >44 r UGB'

rni oo ano, oo gkg ngk rngk ji Gn go8 Mkpi`mga, @IBU,

JN@, Uifrig`mga li o n s rnt, bi nco rpg onr r jo 6&' Ani pi pc ~y

pm, oo gkg ngk gy an o an ggk ongk' @i l, ug r o o oci gn

rj j kit gkg ngk ` t o gngk rnir ni tnr sign, j `c onc

gkg ngk rpgn ani gkvy otn sg' iv gy onc rny, rgn ot rnir om uio o

tng nc oo gkg ngk rngk ji gn go'

]vm tng ron nmi on s N=, N0 rpg y, onc rny nmi rni oo ano ng

gnmv, jr gnj gkg ngk o nmi on s rnr omc, rpcgk ani , jr gnj gkg

ngk o nmi on s gy rnr rnt' Gnj gkg ngk o on s omc onm ng rr, ~r

u anm ogn li gnvg1 ng gm, o rn oo gkg ngk gy angk tni ongkbvy rp r l omc gn uy, j o rn l nvy gk ug kt an ang'

0'0'? On s rpgk rni rig jr N?8 .^fj @gk 0'6)'

On s N? l on s u rpgk rni rig jr' Ui gkvg s liv rnv rnto

gj 044;, 04 gkg ngk o rnvyr jign `c oc ri ongn rpcgk tng ron oni rir

ri ancg rig ki GNGG kj rig ki BR@@ u rig ki rnmgn rcg1 ri ancg rig

ki ri oo RORB kj rig ki angk a ng u rig ki o a ng' Rpcgk rpgk

nt 04 gkg ngk gy, tng r s rpcgk ogk rno rgn on s N? `mc kj8 rig jr

ogk .!) rig ki rnmgn rcg ri GNGG ogk .!) rig ki angk a ng ri oo

RORB' Rpgk nt oo gkg ngk og li, bc angk o rnvyr jign `c oc ri

ongn gg tng r s gv rpg s kj8 rig jr ogk .!) rig ki ri oo RORB a o

rig ki angk a ng u o a ng' Jo b, oon rgn kim nmi rpgk nt o ano

gnmv, gngk ar }v rgn rcg ogk tng gn o an ggk rnmgn ancg om oo

gkg ngk' @i l, rig ki rnmgn rcg ri GNGG om oo gkg ngk onij r rpgk


49/82

* 2= *

pr gn rpcgk ri ancg rig ki ri GNGG, on yv ri ancg gy l rig ki BR@@'

Gkci pm, gv rgn o rig ki angk a ng u o a ng ri oo RORB uc tng r

s j on s N? rnt, rn ani lci rp rig ki o a ng pm ani tng r s, on s

N? og rnt ng gniv'

@gk 0'6 On s rpgk rni rig jr.rni ij ?=#=0#044;1 ?=#=0#044>)'

On s N?.&) On s N?.&)_RR Gkg ngk044; 044>

_RR Gkg ngk044; 044>

GNRJGG =; Gmj ??,?? =6,;9= Mkpi`mga (0,6= 6,?9 => Gmj Uir 2=,9> ?9,;>0 @IBU (=,92 (0,?= =9 CO@ 06,=2 ?,0;

? JN@(

0,>5 * 04 Cofmg(

4,05 04,2;2 Uifrig`mga (?,95 * 0= TMO 06,46 5,>4GNRJOT 00 TK 0?,>= ??,;0

6 MO@ (>,4; (==,;? 0? _mocj`mga (;,0> (=6,625 Mg @gn (0,46 =9,6? 02 _mikcg@mga (=,9; =?,25; i 6,0> =4,45 06 _O@ (=?,09 (0,;5> gk (>,?6 =?,>? 05 _N@ (=,?9 (4,;=9 gk Gmj ??,=; * 0; _cvrnfpg`mga (5,>> (=?,?;

=4 F~ij`mga (;,?6 (=6,;9 0> Rfonocj`mga 02,;> 0>,;9== Kim gn ?5,49 2=,62 09 Rpvsr`mga =4,09 =0,;5=0 Nm`v`mga (=,9> (4,9; ?4 UI@mga (=,?> 00,;>=? NB`mga =2,5> 0=,;= ?= Uir ?4,29 02,?4=2 Aig Lcgk 0?,00 =?,04 ?0 Uifrocj`mga (0,;; (6,90=6 J@ (2,26 ?;,4? ?? Ut`mga 6,?9 ==,46=5 J_@ (=,4= 2>,22 ?2 [fsrfpg (==,>> ?0,9?


rgn rcg om no uig' .() on s(N?'

Jr r l rig jr u rig ki omc, gknm l on s N? omc, j `c onc gkg

ngk o an ggk tgk gnv ov rnmgn ancg ro rni' Rnfc s liv rgn rcg

gj 044;, 04 gkg ngk o on s N? bi =4&, rpcgk jr s gkg ngk o ons pr rnt bi 6& gn8 Mkpi`mga, @IBU, JN@, Uifrig`mga, Mg @gn, Nm`v`mga,

J@, J_@, Cofmg, _mikcg`mga, _N@, UI@mga, Uifrocj`mga' Gngk gkg ngk gy

ani o gnv ov rnmgn ancg lg, r ~vr, ono ong gkg ngk `vo tni umy rpg

rn rpgk rig r ui li svr omc' Rno r ongk jign onc gnggn gy, gngk

rngk ovi gj 044; u v gj 044>, oo gkg ngk vm gnmv rgk li svr rig

ki u y li svr umy }vm j rpg rn rpgk rig r lig gkg ngk lg jo a


50/82

* 20 *

lo8 24gj' Jo riv ovi ogk om oo gkg ngk angk o k ano l j `c

an ggk rnmgn ancgmgk o gkvy osvy kij' Rgn ngn gy o rn kii rnon

gn smv8 gngk ìg tnt jgn om Gkg ngk Gn go gn rgk r l b rp `r

`vo, tnr ngn rg tniv `r `vo rnv ni jr lgk rig lg r lv rngk u

ar om Gkg ngk Gn go' Oo gkg ngk rngk ji rpoy angk oci

rpgk ug rnmgn ancg, rnj on o rniij oo gkg ngk onc pgk b

rnm ug u n li svr nvy gk' Rn gngk, ani ongn son rig r rnr onro

rno rni }vyr lir, ij yv rnmgn ancg ò l' Angk og oon gc ano, oo

gkg ngk `vo tni ogn rpmgn gnmv rnv nr rig ki anon ngk u rpcgk jr

rn oo ongk , jr s gkg ngk `vo tni umy }vm j ui li svr omc gnj

j `c gnv ov rnmgn ancg'

On s N? rpvgk `gn nmi gj 0445 * 044; l =0,46&, on s N5 rpvgk `gn

rgk gk l ;,26&, rgk ogk nmi on s gy =9,6&1 rpcgk ani on s rgk gk

.omsn ! sfovpirifs)#Mssfrs om =44 gkg ngk lg gnr om J l ?0& Q=5Z' iv

onc rny, oo gkg ngk rngk ji Uir Gmj b rp oo ri sg rnmgn ancg ui

r l rnt sc ui rgk ri sg O' On s N? rpvgk `gn kim oo gkg ngk gj0445, 044; lg lr l ==,95&, =0,=2&' _mgk gj 044>, gng onvgk oo gkg ngk

o siv ongn rnfc ngk ron oo u on s gy1 m s rpg =4&' Rvy gnig, jr

s gkg ngk li kij gn8 Nm`v`mga, Aig Lcgk, Gmj , TMO, _N@''' Rpcgk ,

Nm`v`mga, _N@ onm oi rnigo on s N? j og kij ng bi =&'

0'0'2 On s ggk lo onc umy N28 .^fj @gk 0'5)'

On s N2 tng gn ggk lo onc umy' y l on s rnmgn ancg j ì u

onc umy l ri sg o rgn rnmgn ancg rnt gnr j gkg ngk gj ki' Gng

onvgk, ncr gk on yv om oo gkg ngk rngk ji Uir Gmj ug l ncr

gk rg bgk8 on s N2 rpvgk `gn nmi gj 0445 * 044; l 62,;?&, o gknm, rgn

rpvgk `gn oo ancg rg bgk onij rpg 62& rpcgk rgk ri sg O om oo gkg

ngk' Pi pc b rny gnr l pi pc li svr' Ani Gkg ngk Gn go rno rni ongn

son rig r rnr onr, j `c an ggk rnmgn ancg oo gkg ngk `vo tni

rgk li svr rig ki rpcgk lo li svr kni rpg oo ntgk rg bgk angk i'


51/82

* 2? *

Ar }v l rnv gnt om gkg ngk kiji' Onm a uio jr s gkg ngk s bgk

ug gkg ng onc umy bi ng, rc gg pi pc u a ng kim nvy gk ug u s

bgk ug' Gj 044;, =2 gkg ngk o on s N2 rpg 54&' Gj 044>, on s gy

onm o oi rnig l jy8 66,49&'

@gk 0'5 On s ggk lo onc umy .rni ij ?=#=0#044;1 ?=#=0#044>)'

On s N2.&) On s N2.&)_RR Gkg ngk044; 044>


GNRJGG =; Gmj 6=,64 5?,?== Mkpi`mga ;6,69 ;?,62 => Gmj Uir 22,45 64,040 @IBU 52,62 56,?= =9 CO@ 52,09 >6,=;

? JN@ 64,6> * 04 Cofmg ?2,26 20,=22 Uifrig`mga 5=,60 * 0= TMO 55,== ;>,06GNRJOT 00 TK 24,95 ?>,06

6 MO@ ?;,06 ??,4> 0? _mocj`mga 62,;9 6=,=65 Mg @gn ?9,9? 2>,>0 02 _mikcg@mga ;0,?4 ;4,56; i >?,6? 6>,;> 06 _O@ ;2,9; 54,?=> gk 52,92 ;?,55 05 _N@ ??,>? 2?,2>9 gk Gmj 20,4> * 0; _cvrnfpg`mga ?2,09 26,96

=4 F~ij`mga 62,;2 22,4= 0> Rfonocj`mga 6=,>= 2?,>?== Kim gn 6=,50 ?>,;= 09 Rpvsr`mga ;0,;6 62,?0=0 Nm`v`mga 24,46 22,66 ?4 UI@mga 20,54 65,20=? NB`mga 52,2> 52,5= ?= Uir 54,>> 5?,;==2 Aig Lcgk 5=,20 ;2,?4 ?0 Uifrocj`mga 29,2= 64,;;=6 J@ ?>,;= ?6,29 ?? Ut`mga ;?,05 59,2?=5 J_@ ?;,=5 ?2,?5 ?2 [fsrfpg 2>,60 6=,0;


rgn rcg om no uig'

0'0'6 On s bg#rig ki anon ngk N68 .^fj @gk 0';)'

niv p ng u on s N2, ongk rm ~fj ~r ongk ogk ui on s N6, l

on s b g#rig ki anon ngk, gn ki oo gkg ngk s bgk rig ki anonngk ovgk gk rg bgk ui r l `mc gniv tng rpj' R l gy ogk omc, an

ggk rnmgn ancg ogk rnt' Rnfc s liv rgn rcg, gj 044; o 0=#?2 gkg ngk

onc umy ur jo rig ki nvy gk o, o `ir Kim gn, NB`mga, TMO,

Rpvsr`mga ur rpg 044&' On s N6 rpvgk `gn nmi gj 0445 * 044; l =00,29&,

o gknm, rgn `gn }vg oo gkg ngk o nvy gko = gk rn onc umy rpg

=,00 gk'Gn uy, ri sg O sign li l oo ancg rg bgk onij r rpgk lg


52/82

* 22 *

rpcgk rgk ri sg O om oo gkg ngk, j onc umy l ri sg O o pi pc

omc ng gniv sc ui oo ri sg O sign li ano' @g ogn, rcg ` rig ki

anon ngk o s bgk onc umy, rnj on onc umy ur jo nvy gk an omc'

Rpcgk rpgk nt gy, oo gkg ngk `vo tni umy RORB ano j `c BR@@

u j `c an ggk rnmgn ancg'

@gk 0'; On s b g#rig ki anon ngk .rni ij ?=#=0#044;1

?=#=0#044>)'



GNRJGG =; Gmj 95,?0 =49,0>= Mkpi`mga =4;,2? 9>,=9 => Gmj Uir ;=,45 94,9=0 @IBU 9;,60 9>,60 =9 CO@ =?4,92 =05,64? JN@ =24,49 * 04 Cofmg =92,>4 90,502 Uifrig`mga 94,5> * 0= TMO 055,>0 =>6,=6

GNRJOT 00 TK =25,=; =4;,656 MO@ 6;,62 62,02 0? _mocj`mga ;9,9> ;6,>95 Mg @gn =4=,0= 9=,60 02 _mikcg@mga ==?,>; ==4,29; i =22,06 =40,00 06 _O@ =0=,95 =4=,?6> gk =0?,94 ===,=? 05 _N@ =29,=6 56,;5

9 gk Gmj =40,;5 * 0; _cvrnfpg`mga 5=,6? =46,2;=4 F~ij`mga >4,65 5>,;5 0> Rfonocj`mga >?,;4 56,=5== Kim gn 06=,9> 049,== 09 Rpvsr`mga 05;,== >4,69=0 Nm`v`mga ===,02 92,>9 ?4 UI@mga 92,5; >=,92=? NB`mga 06=,;; =20,?9 ?= Uir =06,92 >>,06=2 Aig Lcgk =2=,96 =?0,=9 ?0 Uifrocj`mga 5>,>> ;4,>9=6 J@ 52,29 6;,96 ?? Ut`mga =42,=4 94,5>=5 J_@ >>,69 ;9,22 ?2 [fsrfpg =49,;> =6>,;>


rgn rcg om no uig'

On s N2 rpvgk `gn kim oo gkg ngk gj 0445, 044; v ur rpg 62&,o rn l 66,?>&1 62,49&' On s N6 rpvgk `gn kim oo gkg ngk gj 0445, 044;

v ur rpg =04&8 =04,=9&1 =02,;9&' y, og on l8 jr s gkg ngk o

r l oo ancg rg bgk#rgk ri sg O rnt .bi 24&), gngk rno r gkg

ngk s bgk nr rig ki om anon ngk u tni umy r RORB ano onc

umy, gn8 Mg @gn, Nm`v`mga, Cofmg, TK, _N@1 rn nig }vm on s N6v ur


53/82

* 26 *

rpg =44&, pigk Cofmg kg 044& u on s N;v gn ng =, on pigk Nm`v`mga

kg gn `gk ='Gj 044>, on s N6 rpvgk `gn ug rpg =44&8 =4=,62&'

0'0'5 On s ongk ancg rnmgn ancg N58 .^fj @gk 0'>)'

@gk 0'> On s ongk ancg rnmgn ancg .rni ij ?=#=0#044;1

?=#=0#044>)'



GNRJGG =; Gmj ?,;5 0,54= Mkpi`mga >,;6 9,5? => Gmj Uir 4 4,040 @IBU =0,>6 =0,96 =9 CO@ 0,60 =,=6

? JN@ 0;,05 * 04 Cofmg =;,00 0;,2=2 Uifrig`mga =9,9= * 0= TMO ?,=> =,4?GNRJOT 00 TK =;,;= =9,40

6 MO@ 0,6? =,4? 0? _mocj`mga =;,55 =0,5;5 Mg @gn 5,5> * 02 _mikcg@mga 4,=4 4; i =,69 =4,99 06 _O@ ?,52 =4,>2> gk ?,=> =,00 05 _N@ 4,4; =4,4>9 gk Gmj 9,>? * 0; _cvrnfpg`mga 5,55 5,46

=4 F~ij`mga =5,>> 0,5? 0> Rfonocj`mga =;,?4 =;,59== Kim gn 6,2; ?,62 09 Rpvsr`mga 4,69 4,=0=0 Nm`v`mga 9,22 =2,0; ?4 UI@mga =;,44 =2,4?=? NB`mga 4,00 4,?0 ?= Uir =,?4 0,95=2 Aig Lcgk 4 4 ?0 Uifrocj`mga =9,00 =2,?0=6 J@ 0,02 =9,>5 ?? Ut`mga 9,9> 9,95=5 J_@ =0,?6 =0,42 ?2 [fsrfpg 4 4


rgn rcg om no uig'

On s N5 tng gn r l gj ki oo ongk ancg o rn b bgk onvyg

i rngn rig jr, tgk gnv ov rnmgn ancg rpg rgk ri sg O om gkg

ngk' R l gy ogk omc, rpgk rni rnmgn ancg om gkg ngk ogk rr' Ar }vrgn rcg onc rny, nv nr oo gkg ngk v gj ki ongk ancg ui r l rnt'

o `ir, o gkg ngk angk b rp lci ri sg gy onc gnv ov rnmgn ancg gn8

Aig Lcgk, Gmj Uir, [fsrfpg' On s N5 rpvgk `gn nmi gj 0445 * 044; onr

;,26&' _c ui gj 0445, rpcgk gj 044; oo gkg ngk bgn jr tng ug

v r ongk ancg' O 0?#?2 gkg ngk kim rgk on s N51 o gkg ngk r =,>2&

rgk lg =;,55& ._mocj`mga)1 r 9,5=& lg =9,9=& .Uifrig`mga)' Jrij og


54/82

* 25 *

lv y l, o rn jr ui gkg ngk b rp ongk ancg jo rgk i,

gngk ovi gj 044; rn rpgk ongk ancg Uir Gmj kij sr pr lg gg uio

gj ki oo ongk ancg gy ogk angk oi rnigo rpgk rni rnmgn ancg1

gv angk gi o gkg ngk ` rnvm l u aign bcmgn ongk ancg' _mgk gj 044>

jr s gkg ngk rgk ogk gj ki oo ongk ancg rnmgn ancg, ggk on s

N5 lg gk a8 i .=,69*=4,99)1 _N@ .4,4;*=4,4>)1 rvy gnig on s N5 rpvgk

`gn rpcgk gj gy ogk on l ;,96&'

0'0'; On s rpgk rni pgk i ui oo RORB N;8 .^fj @gk 0'9)'

@gk 0'9 On s rpgk rni pgk i ui oo RORB .rni ij ?=#=0#044;1

?=#=0#044>)'

On s N; On s N;_RR Gkg ngk044; 044>


GNRJGG =; Gmj 4,9? 4,6>= Mkpi`mga 4,5> 4,>= => Gmj Uir =,2= =,0?0 @IBU ?,?4 ?,?> =9 CO@ 4,5> 4,=>? JN@ 4,6; * 04 Cofmg 4,2> 4,252 Uifrig`mga 0,?; * 0= TMO 4,2? 4,=?

GNRJOT 00 TK 4,?9 4,;06 MO@ 2,=; 0,52 0? _mocj`mga =,4? =,6;5 Mg @gn 4,;> * 02 _mikcg@mga 4,52 4,;?; i 24,24 0,6? 06 _O@ 4,5= 4,54> gk 4,64 4,;; 05 _N@ 4,;5 =,?09 gk Gmj 4,94 * 0; _cvrnfpg`mga 4,95 4,06

=4 F~ij`mga ?,9= 5,45 0> Rfonocj`mga =,=4 =,;?== Kim gn 4,>; 4,>2 09 Rp

nâng cao hiệu quả quản trị rủi ro thanh khoản trong các ngân hàng thương mại...

Documents