1

sDkgL P]g, @)^# cGtu{t ;+:yflkt / a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) adf]lhdsf] sfd sf/f]jf/ ug]{

g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfhtkqk|fKt ;+:yf -/fli6«o:t/ sfo{If]q ePsf]_

/lhi6{8 sfof{noM e]/L –$ hfh/sf]6, g]kfn . skf]{/]6 sfof{noM ag]kf –&, sfe|]knf~rf]s, g]kfn . kmf]g g+=M )*(—$#)#^^, $#)#^*, )!!–^^))#$

E-mail : info@nicasialaghubitta.com, Website: www. nicasialaghubitta.com sf]

-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_

ljj/0f–kq

ljj/0f

jf:tljs k|If]lkt cf=a=

)&$÷)&% cf=a=

)&%÷)&^ cf=a=

)&^÷)&& cf=a=

)&&÷)&* cf=a=

)&*÷)&9 k|lt z]o/ g]6jy{ -?=_ 92.02 110.43 113.80 135.40 186.53k|lt z]o/ cfDbfgL -?=_ -7.98 28.79 23.76 46.99 82.99;+lrt gfkmf÷-gf]S;fg_ -?=xhf/df_ -5,584 80,457 110,666 264,659 741,643

ljQLo ;+:yfsf] hf/L kF"hLsf] ?=! ca{ $* s/f]8sf] #@=!# k|ltztn] x'g cfpg] ?=$& s/f]8 %% nfv /sd a/fa/sf] k|lt z]o/ ?=!))÷—c+lst b/sf $&,%%,))) lsQf z]o/ dWo] &$,))) lsQf z]o/ -)=% k|ltzt_ sd{rf/Lx? tyf @,#&,*)) lsQf z]o/ -% k|ltzt_ ;fd"lxs nufgL sf]ifsf] nflu ;'/lIft ul/Psf] u/L afFsL /xg] $$,$#,@)) lsQf ;fwf/0f z]o/sf] ;fj{hlgs lgisfzg .

b/vf:t;fy k|lt ;fwf/0f z]o/ ?= !))÷— sf b/n] ztk|ltzt e'QmfgL dfu ul/Psf] .

nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"NofÍg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisfzg d'Non] ;"lrs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf * df pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .

g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldlt M @)&^÷!@÷)$ lwtf]kq lgisfzg v'Nnf x'g] ldlt M @)&&÷)#÷!) g]kfn /fi6« a}+sdf ljj/0fkq btf{ ePsf] ldlt M @)&^÷!@÷)& lwtf]kq lgisfzg aGb x'g] ldlt -l56f]df_ M @)&&÷)#÷!$ sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&&÷)!÷!* lwtf]kq lgisfzg aGb x'g] ldlt -l9nf]df_ M @)&&÷)#÷@$

lwtf]kq lgisfzg tyf laqmL k|aGws

;flgdf Soflk6n lnld6]8

/lhi68{ sfof{noM z]o/ dfs]{6\; sdlz{on sDKn]S; bf];|f] tNnf, k'tnL;8s, sf7df08f}+ . kmf]g g+= )!–$@@(!@$÷)!–$@@(!@%÷)!–$@@(!$)

Email: sanimacapital@sanimabank.com Website: www.sanima.capital

o; ljj/0fkq cg';f/ ;j{;fwf/0fdf lgisfzg ul/g] ;fwf/0f z]o/sf] nflu æqm]l86 /]l6Ë lgodfjnL, @)^*Æ sf] lgod # df ePsf] Aoa:yf adf]lhd g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf s]o/ g]kfn lnld6]8, sdnfbL, sf7df08f}+af6 qm]l86 /]l6Ë u/fO{ æs]o/ Pglk cfO{lkcf] u|]8 $+Æ k|df0fkq k|fKt u/]sf] 5 . s]o/ g]kfnn] ! b]lv % KjfOG6 u|]l8Ë k|bfg ub{5 . h;df u|]8 ! n] alnof] cfwf/ hgfpF5 eg] u|]8 % n] sdhf]/ cfwf/x? hgfpF5 . æs]o/ Pglk cfO{lkcf] u|]8 $Æ n] cf};t eGbf sdhf]/ (Below Average Fundamental) cfwf/x? hgfpFb5 . u|]8 @, # / $ df k|of]u ul/g] + (Plus) lrGxn] o; ;d"xsf t'ngfTds ;sf/fTds l:yltnfO{ hgfpF5 . k|bfg u/]sf] ldlt M gf]e]Da/ @&, @)!( . u|]8 axfn /xg] cjlw M gf]e]Da/ @^, @)@) ;Dd .

lgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0f M o; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL P]g, @)^# adf]lhd g]kfn lwtf]kq af]8{n] :jLs[tL k|bfg u/]sf] 5 . o;/L af]8{n] :jLs[tL k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf] k|Tofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .

1

-v_ != ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M s_æljj/0fkqÆ eGgfn] ;fj{hlgs ?kdf z]o/ lgisfzg ug{ lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf

@# cGtu{t tof/ kf/L k|sflzt lgisfzg sDkgLsf] ;Gbe{df nufgLstf{x?nfO{ hfgsf/L lbgsf] nflu ul/Psf] k|:t't k'l:tsfnfO{ ;Demg' kb{5 .

v_ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] ;flgdf Soflk6n lnld6]8, k'tnL;8s, sf7df08f}+nfO{ ;Demg' kb{5 . u_æljQLo ;+:yfÆ eGgfn] lgisfzgstf{ sDkgL Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8nfO{ ;Demg' kb{5 . 3_æ;+sng s]Gb|Æ eGgfn] g]kfn lwtf]kq af]8{af6 :jLs[lt k|fKt u/]sf cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfnfO{ ;Demg' kb{5 . ª_ælgisfzg a}+sÆ eGgfn] lgisfzg tyf laqmL k|aGws ;Fu ;Demf}tf u/L lwtf]kq lgisfzgsf qmddf cfj]bsaf6 k|fKt x'g] /sd

hDdf ug{ lhDd]jf/L lng] afl0fHo a}+s tyf /fli6«o :t/sf] ljsf; a}+snfO{ ;Demg' kb{5 . r_ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5 . 5_æ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf Aoa:yfkgÆ eGgfn] PgcfO;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8sf ;+:yfks,

;+rfns, sfo{sf/L k|d'v tyf Aoa:yfkgnfO{ ;Demg' kb{5 . h_æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 . @= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0f kq k|fKt ug{ ;lsg] ;+:yfsf] gfd / 7]ufgf != ;flgdf Soflk6n lnld6]8, k'tnL;8s, sf7df08f}+ / j]a;fO6 M www.sanima.capital @= Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8, /lhi6{8 sfof{noM e]/L –$ vn+uf, hfh/sf]6 / skf]{/]6 sfof{noM

ag]kf –&, sfe|]knf~rf]s, g]kfn tyf j]a;fO6 Mwww.nicasialaghubitta.com

l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M!= g]kfn lwtf]kq af]8{af6 l:js[lt k|fKt u/]sf ;Dk"0f{ cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfx? / ltgsf

tf]lsPsf zfvf sfof{nox? .

2

-u_ !=lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M

xfdLnfO{ lgisfzgstf{ Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o; ;+:yfsf] Aoa:yfklso, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[tLsf nflu g]kfn lwtf]kq af]8{df ælwtf]kq ;DaGwL P]g @)^#Æ tyf ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)Æ cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence Certificate) k|:t't u/]sf 5f}+ .

@=;+ul7t ;+:yfsf] pb\3f]if0f M

s_ ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M of] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf hfgsf/Lx?sf ;fy} lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf ;Totf / z'4tf k|lt / lwtf]kq btf{ tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf] ljj/0fkq / ;f] ;Fu ;DalGwt cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;+rfnsx? AolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf axg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL pb\3f]if0f ub{5f}+ sL tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5'÷5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;";'lrt lg0f{o lng cfjZos s'g} ljj/0f, ;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .

v_ ;+ul7t ;+:yfsf] hjfkmb]lxtf ;DaGwL pb\3f]if0f M o; Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8n] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0fx? afx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]xLtf ;+ul7t ;+:yfdf g/xg] / To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f]sf] hf]lvd nufgLstf{ :jo+n] axg ug'{kg]{5 .

u_ lgodg lgsfosf] lgodg Aoa:yfsf] kfngf ;DaGwL pb\3f]if0f M k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Aoa;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Aoa:yf tyf lgb]{zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f ub{5f}+ . ;fy} ;fj{hlgs lgisfzg k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df pNn]lvt ;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{ / sDkgL /lhi6«f/sf] sfof{nodf k]z u/]sf 5f}+ .

3_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M != o; ljQLo ;+:yfsf] ;+:yfks, ;+rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf 5}gg\ . @= o; ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;+rfns jf sfo{sf/L k|d'v 5}gg\ . #= ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 kF"hL ;+sng u/L j]kQf ePsf jf ;+rfngdf g/x]sf jf nufgLstf{ x?sf] lxt

ljk/Lt x'g] sfo{ u/]sf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; n3'ljQ ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v 5}gg\ .

$= lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Aoa;foLsf] cg'dlt vf/]h ePsf] bz aif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v 5}gg\ .

%= o; ljQLo ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;+rfns jf sfo{sf/L k|d'v cof]Uo /x]sf 5}gg\ .

3

#=;+ul7t ;+:yf ;DaGwL hfgsf/L M

-s_ ;+ul7t ;+:yfsf] k[i7e"dL M -s_ ;+:yfsf] gfdM Pg=cfO{=;L Plzof n3'ljQ ljQLo ;+:yf ln= (NIC ASIA Laghubitta Bittiya Sanstha Ltd.) -v_ s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M o; ljQLo ;+:yf sDkgL P]g, @)^# adf]lhd ldlt @)&$÷)$÷!) df g]kfn ;/sf/,

sDkgL /lhi6«f/sf] sfof{nodf klAns sDkgLsf] ?kdf btf{ ePsf] xf] . a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) cg';f/ ldlt @)&$÷)*÷)% df g]kfn /fi6« a}+saf6 ljQLo sf/f]af/ ug{ :jLs[t k|fKt u/L /fli6«o :t/sf] æ3Æ au{sf] ljQLo ;+:yfsf] x}l;otn] ldlt @)&$÷)(÷)% ut]b]lv n3'ljQ sf/f]af/ ;~rfng ub}{ cfO/x]sf] 5 . sDkgL /lhi6«f/sf] sfof{noaf6 ldlt @)&^÷@÷#! df k|fKt kqfg';f/ cf=j= @)&$÷)&% ;Dd sDkgL cBfjlws /x]sf] 5 .

-u_ ;+:yfsf] /lhi68{ 7]ufgf M o; ljQLo ;+:yfsf] /lhi68{ -k|wfg sfof{no_ sfof{no e]/L–$ vn+uf, hfh/sf]6df /x]sf] 5 . -3_ sf/f]jf/ ug]{ d'Vo :yfg M o; ljQLo ;+:yfsf] sf/f]jf/ :yfg g]kfn /fHoe/ /x]sf] 5 / xfn ljQLo ;+:yfn] afFs], af/f, alb{of,

lrtjg, b}n]v, bfË, hfhf/sf]6, h'Dnf, s}nfnL, s~rgk'/, slkna:t', dsjfgk'/, gjnk/f;L k"j{, gjnk/f;L klZrd, g'jfsf]6, ?s'd klZrd, ?kGb]xL, ;Nofg, l;Gw'kfNrf]s, ;'v]{t u/L @) lhNnfdf cfkm\gf] zfvf sfof{nox? :yfkgf u/L n3'ljQ sf/f]af/ ub}{ cfO/x]sf] 5 / g]kfn /fi6« a}+ssf] :jLs[t lnO{ cfjZostf cg';f/ zfvf, pkzfvf jf cGo sfof{no vf]ln ljQLo sf/f]af/ ug{ ;Sg]5 . xfn o; ljQLo ;+:yfn] /lhi68{ sfof{nosf] cnfjf b]xfosf :yfgx?df /x]sf] zfvf sfof{nox?af6 cfkm\gf] n3'ljQ sf/f]af/ ub}{ cfO/x]sf] 5 .

qm=;+= zfvfsf] gfd Zffvf sfof{nosf] 7]ufgf

1 vn+uf e]/L–$, hfh/sf]6 .

2 ynx 5]8fuf8 g=kf=%, hfh/sf]6 .

3 rf}/hxf/L rf}/hxf/L g=kf=!, ?s'd .

4 sf]6Lxjf ltnf]Qdf g=kf=!%, ?kGb]xL .

5 ;NnLahf/ aguf8 s'lj08] g=kf=!, ;Nofg .

6 njgL z'4f]wg uf=kf=#, slkna:t' .

7 e'tfxf ab{3f6 g=kf=!), gjnk/f;L .

8 O{ldlnof a'4e'dL g=kf=(, slkna:t' .

9 l;DnL ;fgLe]/L uf=kf=(, ?s'd .

10 l5Gr' e]/Lu+uf g=kf=!@, ;'\v]{t .

11 rKk/uf}8L sf]xnk'/ g=kf=!@, afFs] .

12 /fdfk'/ ;}gfd}gf g=kf=!@, ?kGb]xL .

13 hfd'g]ahf/ l;Dtf uf=kf=(, ;'v]{t .

14 5lkof l;of/L uf=kf=$, ?kGb]xL .

15 a]y/L dfofb]jL uf=kf=^, ?kGb]xL .

16 dfgks8L z'4f]wg uf=kf=%, ?kGb]xL .

17 z+s/k'/ b]jbx g=kf=!@, ?kGb]xL .

18 u9jf u9jf uf=kf=^, bfË .

19 d]xns'gf u'ef{sf]6 g=kf=*, ;'v]{t .

20 ;bL{ ljgoL uf=kf=$, gjnk/f;L -j=;'=k'=_ .

21 e'dxL ;'gjn g=kf=!@, gjnk/f;L -j=;'=k=_ .

22 a?jf ;':tf uf=kf=!, gjnk/f;L -j=;'=k=_ .

23 kbdk'/ sflnsf g=kf=$, lrtjg .

24 hf]zLk'/ hf]zLk'/ uf=kf=@, s}nfnL .

4

25 k'gjf{; k'gjf{; g=kf=#, s~rgk'/ .

26 h'Dnf rGbggfy g=kf=^, h'Dnf .

27 a]:t8f eujtLdfO{ uf=kf=!, b}n]v .

28 z+z]/u+h /fKtL ;f]gf/L uf=kf=*, afFs] .

29 d}gfkf]v/ a8{oftfn uf=kf=^, alb{of .

30 l;;xlgof /fKtL uf=kf=%, bfË .

31 ;]d/f ltnf]Qdf g=kf=&, ?kGb]xL .

32 xs'O{ /fdu/fd g=kf=!^, gjnk/f;L-j=;'=k=_ .

33 du/sf]6 sfjf;f]tL g=kf=!), gjnk/f;L -j=;'=k'=_ .

34 gf/fo0fk'/ l6sfk'/ g=kf=^, s}nfnL .

35 afË]l;dn lj/]Gb|gu/ g=kf=!, ;'v]{t .

36 bNnL lqa]0fL gnuf8 uf=kf=&, hfh/sf]6 .

37 uf]7LHo'nf sGsf;'Gb/L uf=kf=%, h'Dnf .

38 k;f{ v}/xgL g=kf=^, lrtjg .

39 afF;u9L afF;u9L g=kf=(, alb{of .

40 d;"l/of uf}/Lu+uf g=kf=*, s}nfnL .

41 axfb'/u+h s[i0fgu/ g=kf=&, slknj:t' .

42 af]8ufFp af0fu+uf g=kf=^, slknj:t' .

43 b'lDsaf; lagoL lqj]0fL uf=kf= !, gjnk/f;L j=;'=k'=_ .

44 x'K;]sf]6 x'K;]sf]6 uf=kf=#, gjnk/f;L j=;'=k'=_ .

45 uf]j/}of ;/fjn uf=kf=$, gjnk/f;L j=;'=k=_ .

46 ;f}/fxf /Tggu/ g=kf=^, lrtjg .

47 nf}08Lxjf u}8jf uf=kf=#, ?kGb]xL .

48 ax'lgof ab{uf]/Lof uf=kf=!,s}nfnL .

49 ugfk'/ hfgsL uf=kf=^, afFs] .

50 a;Gtk'/ cf]d ;ltof uf=kf=$, ?kGb]xL .

51 rf}s'g] rf}s'g] uf=kf=*, ;'v]{t .

52 x;'lnof s}nf/L uf=kf %, s}nfnL .

53 ;Demgfrf]s a}hgfy uf=kf=^, afFs] .

54 ldngrf]s 8'8'jf uf=kf= %, afFs] .

55 8'd/f dfofb]jL uf=kf=@, slkna:t' .

56 zfGtLahf/ u]?jf uf=kf=#, alb{of .

57 :jf7L ;'gjn g=kf=(, gjnk/f;L .

58 s'l/g6f/ OR5fsfdgf uf=kf=$, lrtjg .

59 l9s'/] lnv' uf=kf=!, g'jfsf]6 .

60 xfQL;''9] as}of uf=kf=#, dsjfgk'/ .

61 d'8]ahf/ ln;Gv'kfvf uf=kf=%, l;Gw'kfNrf]s .

62 cQl/of uf]bfj/L g=kf=@, s}nfnL . 63 b'uf}{nL hfgsL uf=kf= !, s}nfnL .

5

64 lr;fkfgL a}hgfy uf=kf= !, afFs] . 65 vh'/f vh'/f uf=kf= $, afFs] . 66 n'xfd lqj]0fL uf=kf= ^, ;Nofg . 67 uf]/s§f ltnf]Qdf g=kf= ^, ?kGb]xL . 68 n'lDjgL rf]s n'lDjgL ;f+:s[lts g=kf= ^, ?kGb]xL . 69 a]nf;k'/ kflngGbg uf=kf= #, gjnk/f;L j=;'=k=_ . 70 s/}ofdfO{ s/}ofdfO{ uf=kf= !, af/f .

-ª_ ;+ul7t ;+:yfsf] :yfkgfsfn b]lv xfn ;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d"Vo p2]Zox? M o; ljQLo ;+:yf sDkgL P]g, @)^# adf]lhd ldlt @)&$÷)$÷!) df g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf klAns

sDkgLsf] ?kdf btf{ ePsf] xf] . a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) cg';f/ ldlt @)&$÷)*÷)% df g]kfn /fi6« a}+saf6 ljQLo sf/f]af/ ug{ :jLs[t k|fKt u/L /fli6«:t/sf] æ3Æ au{sf] ljQLo ;+:yfsf] x}l;otn] ldlt @)&$÷)(÷)% ut] b]lv n3'ljQ sf/f]af/ ;~rfng ub}{ cfO/x]sf] 5 . o; ljQLo ;+:yfsf] ;+:yfksdf æsÆ au{sf] afl0fHo a}+ssf] ?kdf a}lsË ;]jf k|bfg ub}{ cfO/x]sf] Pg=cfO{=l; Plzof a}+s lnld6]8 /x]sf] 5 .

ljQLo ;+:yfsf] k|aGwkqsf] bkmf $ tyf lgodfjnLsf] lgod $ df pNn]v ul/P adf]lhd g]kfn /fi6« a}+s P]g, @)%*, a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @), sDkgL sfg"g tyf cGo k|rlnt sfg"gsf] clwgdf /xL n3'ljQ sf/f]af/ ug]{ o; ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd x'g]5M

-s_ ljQLo ;+:yfsf] lgIf]kstf{ tyf z]o/wgLsf] xs–lxtsf] ;+/If0f / ;Dj4{g ub{} :j:y k|lt:kwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf{] ljQLo dWo:ytf ;]jf pknJw u/fpg],

-v_ s[lif, pBf]u, ;]jf, Aofkf/ tyf cGo Aoj;flos ¿kn] ;DefAo b]lvPsf pTkfbgzLn Aoj;fosf] :yfkgf, ljsf;, la:tf/ / Ifdtf Pjd\ pTkfbsTj j[l4sf nflu cfjZos a}+lsË tyf ljQLo ;fwg cfGtl/s tyf afXo ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Aofkfl/s Pj+ s[lif If]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'¥ofpg],

-u_ pknAw ;Lk, >d tyf k'FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\ /f]huf/Ld"ns Aoj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|j4{g ug]{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Aoj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ¿kdf ;+nUg eO{ ;xof]u k'¥ofpg],

-3_ ljQLo ;]jfdf hf]lvd sd ub}{ ljQLo If]qsf] pbf/Ls/0fdf d2t k'¥ofO{ b]zsf] cy{tGqnfO{ ;an / ;'b[9 agfpg ;xof]u k'¥ofpg], /

-ª_ b]zsf] ;du| ljQLo k|0ffnL k|lt ;j{;fwf/0fsf] ljZj;gLotf clea[l4 ug{ ;xof]u k'¥ofpg] .

-r_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf ;fy} To;df ePsf]

nufgLsf] c+z -k|ltztdf_ M;f] gePsf] . -5_ cGo ljj/0fx? M -!_ ;+ul7t ;+:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M ljQLo ;+:yfn] k|bfg ug]{ d'Vo ;]jfx?df u|fxs ;b:ox?af6 lgIf]k -art_ ;+sng, shf{ k|jfx / lak|]if0f e'QmfgL ;]jf ;d]t

k|bfg ug{ ;lsg] /x]sf] 5 . -@_ k|of]u ePsf] jf ul/g] k|ljlw M

of] ljQLo ;+:yf ;]jf k|bfos sDkgL ePsf]n] dfly v08 -!_ df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw ;DkGg /x]sf] 5 . xfnnfO{ o; ljQLo ;+:yfn] cfk\mgf] Core Banking System sf] ?kdf URANUS ;k\m6j]o/ k|of]u ub}{ cfO{/x]sf] 5 .

-#_ s'g} a|f08g]d, k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;+:yf;Fu ;DalGwt af}l4s ;DklQ

xs clwsf/ M ;f] gePsf] .

6

-$_ ;+ul7t ;+:yfn] cf]u6]sf] ahf/ If]qM ldlt @)&$÷)*÷)% ut] ljQLo ;+:yfsf] ?kdf n3'ljQ sf/f]af/ ug{ g]kfn /fi6« a}+saf6 Ohfhtkq k|fKt u/L ldlt

@)&$÷)(÷)% ut]b]lv /fli6«o :t/sf] æ3Æ au{sf] ljQLo ;+:yfsf] x}l;otn] cfkm\gf] n3'ljQ sf/f]af/ ;+rfng ub}{ cfPsf] 5 . xfn ljQLo ;+:yfn]] afFs], af/f, alb{of, lrtjg, b}n]v, bfË, hfhf/sf]6, h'Dnf, s}nfnL, s~rgk'/, slkna:t', dsjfgk'/, gjnk/f;L k"j{, gjnk/f;L klZrd, g'jfsf]6, ?s'd klZrd, ?kGb]xL, ;Nofg, l;Gw'kfNrf]s, ;'v]{t u/L @) lhNnfdf /x]sf &) j6f zfvf sfof{nox?af6 cfkm\gf] ;]jf lj:tf/ u/L To; If]qsf @*,@)% hgf ;b:ox?nfO{ cfkm\gf] n3'ljQ ;]jf k|bfg u/]sf] 5 . ;f] cjlwleqdf ljQLo ;+:yfsf] art ?=&$ s/f]8 %( nfv ^! xhf/ / ;fFjf afFsL ?= % ca{ * s/f]8 $^ nfv @ xhf/ k'¥ofpg ;kmn /x]sf] 5 .

-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M ;+:yfn] xfn zx/L tyf u|fdL0f e]udf ljQLo kx'‘rdf g/x]sf ljkGg ju{sf AolQmx?nfO{ n3'ljQsf] /fli6«o tyf cGt{/fli6«o

dfGotfx?sf] cg'z/0f ul/ shf{, art, jLdf nufotsf n3'ljQLo ;]jfx? ;xh / ;/n lsl;dn] k|bfg ul//x]sf] 5 . ;+:yfn] cfufdL lbgdf xfn k|bfg ul//x]sf ;]jfx?nfO{ u|fxs tyf n3'ljQ ahf/sf] dfu cg'?k k|lt:klw{ ;+:yfx?sf] ;]jf ;'ljwf ;d]tnfO{ cWoog ul/ ;do ;fk]If ljleGg lsl;dsf lgIf]k tyf shf{ of]hgf tof/ ul/ cem al9 u'0f:t/Lo ;]jf k|bfg ug]{ of]hgf /x]sf]5 .

-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M ljQLo ;+:yfsf] k|d'v ahf/ g]kfn /fHoe/ /x]sf] / xfn afFs], af/f, alb{of, lrtjg, b}n]v, bfË, hfhf/sf]6, h'Dnf, s}nfnL, s~rgk'/, slkna:t', dsjfgk'/, gjnk/f;L k"j{, gjnk/f;L klZrd, g'jfsf]6, ?s'd klZrd, ?kGb]xL, ;Nofg, l;Gw'kfNrf]s, ;'v]{t u/L @) lhNnfdf cfkm\gf] zfvf sfof{nox? :yfkgf u/L n3'ljQ sf/f]af/ ub}{ cfO/x]sf] 5 eg] eljiodf cGo lhNnfx?df ;d]t cfkm\gf] sfo{If]q lj:tf/ ug]{ / u|fxssf] cfjZostf cg'?k ;]jfx? pknAw u/fpFb} n}hfg] ;+:yfsf] nIo /x]sf] 5 .

-&_ pTkfbg÷;+rfng Ifdtf / ;f] sf] pkef]u l:ylt M

a}+s tyf ljQLo ;+:yfx?df nfdf] cg'ej xfl;n ug'{ ePsf ;~rfns÷Aoa:yfkg bIftfsf] cfwf/df o; ljQLo ;+:yfn] :yfkgfsf] 5f]6f] ;dodf g} ljQLo ahf/sf] /fd|f] lx:;f cf]u6\g / cfkm\gf ;]jfu|fxLx?nfO{ /fd|f] ;]jf k|bfg ug{ ;kmn /x]sf] b]lvG5 .

-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] . -(_ u'0f lgoGq0fsf] nflu ul/Psf] Aoa:yf M

a}+s tyf ljQLo ;+:yf Pj+ Aofkfl/s If]qdf nfdf] cg'ej xfl;n ug'{ ePsf ;~rfns÷Aoa:yfkg ;d"x ;]jfu|fxLx?sf] u'0f:t/Lo ;]jf, ;'ljwf tyf ;Gt'li6sf] nflu tTk/ /x]sf 5g\ .

-!)_ cg';Gwfg tyf ljsf; M g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e'lddf ljQLo ;+:yfn] cg';Gwfg tyf ljsf;nfO{ pRr k|fyldstf lbO{ ;f] sfo{sf] nflu 5'§} clws[t lgo'Qm ul/g]5 . h;n] gofF ;]jfx?sf] ljsf; dfq geO{ xfn k|bfg ul/Psf ;]jfx?df ;do ;fk]If ?kdf cfjZos kl/dfh{gx? ug]{, gofF ;]jfx?sf] pko'Qmtfsf] ;DaGwdf Aoa:yfkgnfO{ ;'emfj pknAw u/fpg]5 . ;fy} ljQLo ;+:yfn] u|fxsau{df gofF lgIf]ksf] of]hgfx?, u|fxsd'vL ;/n shf{ ;'ljwf / ljZj;gLo gofF gofF cfw'lgs a}lsË k|ljlwsf] k|of]u u/L cfkm\gf u|fxsx?nfO{ k|lt:kwf{Tds Pj+ u'0f:t/Lo ;]jf k|bfg ug]{ nIo /fv]sf] 5 .

-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M ;f] gePsf] . -!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] . -!#_ ahf/ k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:yltM

xfn n3'ljQ ;+:yfx?sf] ;+Vof lbg k|ltlbg a9\b} uO/x]sf] 5 . h;n] ubf{ n3'ljQ ;DaGwL sfo{qmdsf] lj:tf/ / ;]jf k|bfg ug{sf nflu gofF :yfg tyf If]qx?sf] klxrfg u/L n3'ljQ ;DaGwL sfo{qmd ;+rfng ug{ r'gf}tL b]lvPsf] 5 . Ps} :yfgdf w]/} n3'ljQ ;+:yfx?sf] pkl:yltn] ahf/ cToGt} k|lt:kwL{ ePsf] 5 . Pp6} u|fxsn] Ps eGbf a9L n3'ljQ ;+:yfx?af6 ;d]t u/L bf]xf]/f] shf{ ;'ljwf pkof]u ug]{ cj:yf ;[hgf ePsf] 5 . h;n] ubf{ shf{sf] u'0f:t/ sfod ug{ sl7gfO{ tyf r'gf}tL b]lvPsf] 5 . To;} u/L bIf sd{rf/Lx?nfO{ l6sfO /fVg klg TolQs} ;d:of b]lvPsf] 5 . pk/f]Qm n3'ljQ ahf/sf] cj:yf, k|lt:kwf{ / cGo ljQLo ;+:yfx?sf] pkl:yltsf] afah'b o; ljQLo ;+:yfn] s'zntfk"j{s cfkm\gf ljQLo sf/f]af/ ;+rfng u/L cfkm\gf] ljQLo l:yltnfO{ dha'b agfpFb} nu]sf] 5 . ljQLo sf/f]af/sf] lx;fjn] s]jn sl/j @ aif{ cjlwsf] ljQLo ;+:yf ePtfklg cfkm\gf sfo{If]qdf ;+rflnt cGo ;dfg ljQLo ;+:yfx? aLr o; ljQLo ;+:yfn] cfkm\gf l:yltnfO{ dha'b agfpFb} nu]sf] 5 . of] ljQLo ;+:yf ;+rfngsf] klxnf] aif{ 3f6fdf ;+rfngdf /x]sf] 5 eg] ;dfg k|s[ltsf ;+:yfx? aLr k|lt:kwf{ ePtfklg cfkm\gf] 5'§} klxrfg agfpg ;d]t ;kmn eO{ ahf/df cfkm\gf] :yfg cf]u6\g ;kmn /x]sf]5 .

7

-!$_k|d'v u|fxsx?sf] ljj/0f -h:t}—;+:yfsf] s'n sf/f]af/df !) k|ltzt jf ;f] eGbf a9Ln] of]ubfg ug]{ jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f M ;f] gePsf] .

-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}—;+:yfsf] s'n sf/f]af/df !) k|ltzt jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf Joj;fosf] nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f M ;f] gePsf] .

-v_ ;DklQsf] ljj/0fM -s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M ljQLo ;+:yfsf] cf=a=)&%÷)&^ ;Ddsf] ;DklQsf] cj:yf tn pNn]v u/] adf]lhd /x]sf] 5 .

ljj/)f :fDklQ o; jif{

?= ut jif{

?= ejg

kl/jxg ;fwg

d]lzg/L

sfof{no ;fdfg

lnh xf]N* ;DklQ

cGo

s=ut jif{sf] df}Hbft - 4,941 - 12,405.05 1,438.23 1,182.06 19,966.00 19,966.0

0

v=o; jif{sf] yk - 260 - 17,561.88 - 740.88 18,562.6519,966.0

0 u=o; jif{ yk k"gd'{Nof°g÷k"gn]{vg - - - - - - - -

#= o; jif{sf] ljqmL - - - - - - - -

ª= o; jif{sf] ckn]vg - - - - - - - - s"n -s®v®u®#®ª_ k/ndf]n - 5,201 - 29,966.93 1,438.23 1,922.93 38,528.65

19,966.00

2= x|f; s§L - - - -

s= ut jif{;Ddsf] - 69 - 1,032.98 81.71 100.56 1,284.72 1,284.72

v= o; jif{sf] - 1,002 - 5,274.18 95.92 341.56 6,713.66 1,284.72 u=x|f+;s§L

k"gd{'Nof°g÷k'gn{}vg - - - - - - - - #=x|f+;s§L /sd ;dfof]hg÷lkmtf{ - - - - - - - -

s"n x|f+; s§L - 1,071 - 6,307.16 177.63 442.12 7,998.37 1,284.72

3= a"s Eofn" -1®2_ - 4,129 - 23,659.77 1,260.60 1,480.81 30,530.2818,681.2

8

4= hUuf - - - - - - - - 5=k"+hLut lgdf{)f -k"+hLs/)f ul/g"kg]{_ - - - - - - - - hDdf -3®4®5®6_

- 4,129 - 23,659.77 1,260.60 1,480.81 30,530.2818,681.2

8

*dfly pNn]lvt ;Dk"0f{ ;DklQx? ;+:yfsf] /lhi6{8 sfof{no, e]/L–$, vnËf, hfh/sf]6, skf]{/]6 sfof{no, ag]kf, sfe|]knf~rf]s / bkmf # s 3 df pNn]lvt zfvf sfof{nox?df /x]sf] 5 . -v_ aF"bf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -ldlt

;d]t pNn]v ug'{ kg]{ _ M pQm a'Fbfdf pNn]lvt ;DklQ ljQLo ;+:yfsf] cfkm\g} :jfldTjsf] xf] . -u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0f M ;f] gePsf] . -3_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr km/s ePdf ;f] sf] ljj/0f M ljQLo ;+:yfsf] ;Dk"0f{ ;DklQ k'gd"{NofÍg gul/Psf] x'Fbf lstfjL d"No / ahf/ d"No aLr km/s gePsf] .

8

-ª_ ;DklQsf] d"Nof+sg ul/Psf] t/Lsf ;DaGwL ljj/0f M

k/ndf]ndf lgodfg';f/ ug'{kg]{ x|f; s§L u/L n]vfdfg cg';f/ afFsL /x]sf] jf:tljs ;DklQnfO{ ;DklQsf] ?kdf /flvPsf] 5 / ;f] sf] k'gd"{NofÍg ul/Psf] 5}g\ .

-u_ efjL of]hgf tyf /0flgtL M

-s_ Aoa;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLltM

ljQLo ;+:yfn] cfkm\gf] Aoa;fo÷;]jfsf] a[l4sf nflu rflng] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doa4 /0fgLlt lgDgfg';f/ 5g\ .

— cfufdL lbgx?df zfvf la:tf/df yk hf]8 lbg] . — ljQLo ;+:yfn] cfkm\gf zfvf lj:tf/sf] lx;fjn] lgIf]k ;+sng tyf shf{ k|jfx ug]{5 . — eljiodf ;d]t u|fxsx? af6 dfu eP adf]lhdsf ;]jf ;'ljwfx? cfkm\gf u|fxs au{df Nofpg k|oTg/t /xg] 5 . — ;]jfu|fxLx?sf] ;+Vofdf a[l4 ub}{ nlug] 5 . — ;du| shf{sf] u'0f:t/nfO{ pRr:t/df /fVg] / shf{ tyf ;fk6df k|fKt x'g] k|ltkmnnfO{ pRr /fVg shf{ nufgLdf ljljlws/0f ug]{ .

— eljiodf ;j{;fwf/0fx?df ;fwf/0f z]o/ hf/L u/L o; ljQLo ;+:yfsf] r'Qmf kF"hL j[l4 u/L ?=! ca{ $* s/f]8 k'/\ofpg] 5 .

— k|aGwkqsf] bkmf $ df pNn]v eP adf]lhdsf p2]Zox? xfl;n ug{sf nlu n3'ljQ sf/f]af/x? lj:tf/ ub}{ n}hfg] 5 .

n3'ljQ sf/f]af/ ug]{ ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx?, n3'ljQ ;+:yfn] k|bfg u/]sf] tyf eljiodf k|bfg ul/g] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvd, b]zsf] /fhg}lts kl/l:yltaf6 cfpg ;Sg] hf]lvdx?, b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx?, g]kfn ;/sf/sf] cfly{s gLlt tyf g]kfn /fi6« a}+ssf] ljQLo gLltdf x'g] kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx?, k"+lhsf] nfut tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx?, k"+hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx?, cGt/f{li6«o ahf/df x'g] dGbLaf6 g]kfnsf] ahf/df kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx?, b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ gLlt, lgod / lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt hf]lvdx?, b]zsf] a}b]lzs gLltdf x'g ;Sg] kl/jt{g tyf n3'ljQ ;+:yfn] ;/sf/L tyf u}/ ;/sf/L lwtf]kqx?df nufgL ubf{ lwtf]kqsf] d"Nodf kl/jt{gsf sf/0f pTkGg x'g;Sg] hf]lvdx? nufot ;Dk"0f{ hf]lvdx?sf] uxg cWoog / ljin]z0f u/L pQm hf]lvdx? Go"lgs/0f ub}{ hfg] /0fgLlt ljQLo ;+:yfn] lnPsf] 5 .

-v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] eljio M

xfn b]zsf] a}+lsË If]qdf k|lt:kwf{ cToflws /x]sf] 5 / ;f]xL sf/0fn] ubf{ o; ljQLo ;+:yfn] cfkm\gf] pNn]lvo If]q cf]u6\g laleGg /0flgtLsf ;fy cl3 a9]sf] 5 . jt{dfg cfly{s, /fhg}lts / a}+lsË k|lt:kwf{ aLr ;kmntfsf ;fy cuf8L a9\g ljQLo ;+:yfn] cfkm\gf] ;]jf tyf n3'ljQ sfo{qmddf leGgtf, zfvf lj:tf/df a}+s gePsf cw{zx/L / u|fdL0f If]qdf hf]8, cfw'lgs tyf k|ljlwo'Qm a}+lsË÷ljQLo ;]jf h:tf /0flgtL canDag u/]/ cuf9L a9L /x]sf] 5 . pNn]lvt /0flgtLsf sf/0f ljQLo ;+:yf cfkm\gf nufgLdf /x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 / eljiodf ljQLo If]qdf Ps leGg If]q cf]u6\g] s'/fdf b[9 /x]sf] 5 . t;y{, b]zsf] n3'ljQ Joj;fo aLrsf] k|lt:k|wf{, ljBdfg cfly{s l:ylt / xfn ;Ddsf lbgx?df ljQLo If]qn] pT;fxhgs ;kmntf kfO{/x]sf] cfwf/df o; ljQLo ;+:yfn] :yfkgfsfn b]lv g} u|fxsx?sf] rfxgf / cfjZostf cg';f/sf :t/Lo u|fxsf]Gd'v ;]jf tyf ;'ljwfx? k|bfg u/]/ pknJw >f]t / ;fwgsf] clwstd ?kdf kl/rfng u/L pT;fxhgs pknAwL xfl;n u/]sf] 5 . To; sf/0f ljBdfg pknAwLx? Pj+ k|:t't efjL of]hgfx?sf] cfwf/df o; ljQLo ;+:yfsf] eljio ;'b[9 x'g] b]lvG5 . ljQLo ;+:yfsf] efjL lbgx?sf] nflu tk;Ln adf]lhdsf of]hgf to ul/Psf] 5 .

— ljQLo ;+:yfn] rfn' cf=j=df !)$ j6f zfvf yk u/L !^% j6f / cf=j= @)*)÷)*! df %)) j6f zfvf k'¥ofpg] nIo lnPsf] 5 .

— ljQLo ;+:yfn] rfn' cf=j=df *@,))) ;b:o / cf=j= @)*)÷)*! df *,)),))) ;b:o k'¥ofpg] nIo lnPsf] 5 . — ljQLo ;+:yfn] rfn' cf=j=df &),))) C0fL ;b:o / cf=j= @)*)÷)*! df %,^),))) C0fL ;b:o k'¥ofpg] nIo lnPsf]

5 .

9

— ljQLo ;+:yfn] rfn' cf=j=df !=() cj{ art / cf=j= @)*)÷)*! df !( cj{ jrt k'¥ofpg] nIo lnPsf] 5 . — ljQLo ;+:yfn] rfn' cf=j=df !! cj{ shf{ / cf=j= @)*)÷)*! df ^) cj{ shf{ k'¥ofpg] nIo lnPsf] 5 . — ljQLo ;+:yfn] rfn' cf=j=df #% s/f]8 v'b gfkmf / cf=j= @)*)÷)*! df #=@( cj{ v'b gfkmf k'¥ofpg] nIo lnPsf] 5 .

-3_ ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DjGwL Joj:yf M

-s_ ;+rfns ;ldltsf] ;+/rgf, ;+rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Aoa:yf M

o; ljQLo ;+:yfsf] lgodfjnLsf] lgod @& -@_ df ePsf] Joj:yf cg';f/ & -;ft_ hgf ;+rfnsx? /x]sf] ;+rfns ;ldlt b]xfo adf]lhd u7g x'g]5 .

qm=;+ ;d"x ;+Vof

!= ;+:yfks z]o/wgLx?af6 dgf]lgt÷lgjf{lrt $ hgf

@= ;j{;fwf/0f z]o/wgLx?af6 lgjf{lrt @ hgf

#= :jtGq ;+rfns ! hgf

hDdf & hgf

ljQLo ;+:yfsf] lgodfjnLsf] bkmf @* df Joj:yf eP cg';f/ o; ljQLo ;+:yfsf] ;+rfnssf] kbdf lgo'Qm x'gsf nflu s'g} klg z]o/wgLn] cfkm\gf] gfddf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g' kg]{5 . t/ :jtGq ;+rfns tyf ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;+rfnssf] xsdf of] Aoa:yf nfu' x'g] 5}g .

$=k"FhL ;+/rgf ;DaGwL hfgsf/L M

-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M

!= clws[t k"FhLM o; ljQLo ;+:yfsf] clws[t k"FhL ?=! ca{ $* s/f]8 /x]sf] 5, h;nfO{ k|lt z]o/ ?=!))÷—sf b/n] ! s/f]8 $* xhf/ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

@= hf/L k"FhLM o; ljQLo ;+:yfsf] hf/L k"FhL ?=! ca{ $* s/f]8 /x]sf] 5, h;nfO{ k|lt z]o/ ?=!))÷—sf b/n] hDdf ! s/f]8 $* xhf/ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

#= r'Qmf k"FhLM o; ljQLo ;+:yfsf] hf/L ePsf] ?= ! ca{ $* s/f]8sf] ! s/f]8 $* nfv lsQf ;fwf/0f z]o/ dWo] ?=! ca{ $% nfv a/fa/sf] ?=!))÷— b/sf] !)),$%,))) lsQf ;fwf/0f z]o/ ;+:yfks z]o/wgLsf] gfddf afF8kmfF8 eO{ hDdf ?=! ca{ $% nfv /sd r'Qmf eO{;s]sf] 5 . o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] afF8kmfF8 kZrft ljQLo ;+:yfsf] r'Qmf kF"hL ?=! ca{ $* s/f]8 x'g]5 .

clws[t,hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M o; ljQLo ;+:yfsf] :yfkgf kZrft kF"hLdf ePsf] kl/jt{g ;DaGwL ljj/0f M

qm=;+= cfly{s aif{ clws[t k"FhL -?=_ hf/L kF"hL -?=_ r'Qmf kF"hL -?=_

!= )&$÷)&% ?=!),)),)),)))÷— ?=!),)),)),)))÷— ?=&,)),)),)))÷— @= )&%÷)&^ ?=!,$*,)),)),)))÷— ?=!,$*,)),)),)))÷— ?=!,)),$%,)),))) ÷—

10

-v_ lgisfzg kl5sf] r'Qmf kF"hL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M ;j{;fwf/0fnfO{ z]o/ lgisfzg u/L afF8kmfF8 u/] kZrft x'g] ljQLo ;+:yfsf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5M

;d"x Zf]o/wgL z]o/ lsQf k"FhL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzts ;+:yfks ;d"x !)),$%,))) ^&=*&% !)),$%,)),))) zt k|ltzt v ;j{;fwf/0f ;d"x -sd{rf/L ;d]t_ $&,%%,))) #@=!#% $&,%%,)),))) e'QmfgL x'g afFsL hDdf !,$*,)),))) !))% !,$*,)),)),)))

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M lgisfzg ul/g] z]o/ lk|ldoddf geO{ c+lst d'Nodf hf/L ul/g] ePsf]n] z]o/ lk|ldod vftfsf] cfjZostf gePsf] .

%= ;+:yfks÷;+rfns ;DaGwL hfgsf/LM

-s_ ;+:yfks÷;+rfnssf] k[i7e"dLM

-s_cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej, / k|:tfljt Aofkf/÷Aoj;fodf cg'ejM

cfwf/e't z]o/wgLsf] ljj/0fM l;=g+= gfd kb pd]/ /fli6«otf 7]ufgf z]o/ :jfldTj z}lIfs

of]Uotf k|:tfljt

Aofkf/÷Aoa;fodf cg'ej

!= Pg= cfO{= ;L= Plzof a}+s ln= sf=d=g=kf= !!,6«]8 6fj/, yfkfynL, sf7df08f}

!,)),$%,))) nfu' gx'g] .

;+rfnsx?sf] ljj/0f M

l;=g+= Gffd kb pd]/ /fli6«otf 7]ufgf z]o/ :jfldTj

z}lIfs of]Uotf

k|:tfljt Aofkf/÷Aoa;fodf cg'ej

!= >L slkn 9sfn cWoIf $) g]kfnL ?b|k'/, ?kGb]xL

- rf6{8 PsfpG6]G6, :gftsf]Q/-cy{zf:q_, :gfts Joj:yfkg

!=Deloitte Haskins & Sells df ;g\ @))& cu:6 b]lv @))* dfr{ ;Dd ;xfos k|aGws . @=cfO{=;L=cfO{=;L=cfO{ a}+s ln df ;g\ @))* h'nfO{ b]lv @))( cS6f]a/ ;Dd k|aGws . #= ;g\ @))( cS6f]j/ b]lv @)!) h'nfO{ ;Dd xfd|f] ljsf; a}+s ln= df k|d'v sfo{sf/L clws[t .

$= Pg cfO{ ;L Plzof a}+s ln df ;g\ @)!) cu:6 b]lv xfn ;Dd k|d'v hf]lvd clws[t x'Fb} Performance Assurance & Support Service Ecosystem df ;xfos k|d'v sfo{sf/L clws[t sf] ?kdf sfo{/t .  

@= >L ljzfn l;Ub]n ;+rfns #$ g]kfnL kz'klt sf]nf]gL , sf7df08f}

- l;=P=, Pd= P= cy{zf:q

!=Pg=cfO{=l; Plzof a}+s ln= df ljut !) aif{ b]lv ljleGg kbdf /lx xfn Chief Experience

11

Transformation Officer sf] ?kdf sfo{/t . @=rf}w/L u|'kdf ;xfos k|jGws tyf n]vfk/LIf0f sfo{sf/Lsf] kbdf !=% aif{sf] cg'ea .

#= >L lbg]z ef/L ;+rfns $$ g]kfnL ;fdfv';L, sf7df08f}

- Pn=Pn=Pd !=Pg=cfO{=l; Plzof a}+s ln= df ljut !@ aif{ b]lv ljleGg kbdf /lx xfn sfg'g ljefu k|d'v sf] ?kdf sfo{/t .

$= >L k|sfz a/fn ;+rfns #^ g]kfnL kf]v/f, sf:sL - l;=P=, Pd= P= cy{zf:q Pn=Pn=lj

!=Pg=cfO{=l; Plzof a}+s ln= df ljut @=% aif{ b]lv ljleGg kbdf /lx xfn k|d'v shf{ clws[tsf] ?kdf sfo{/t . @=k|e' a}+s lnld6]8df gfoa k|aGws ;lxt ljleGg kbdf /x]/ % aif{sf] cg'ea . #=g]kfn a}+s lnld6]8df qm]l86 l/n];gl;k Dofg]h/sf] ?kdf @ aif{sf] cg'ea . $=gofFlbNnL l:yt BDO International df ljQ hf]lvd ljZn]ifssf] ?kdf * dlxgfsf] cg'ea .

%=

>L /fh' k|;fb clwsf/L

;+rfns $$ g]kfnL kf]v/f, sf:sL

- l;=P, Pd= sd,

System Auditor DISA

!=Pg=cfO{=l; Plzof a}+s ln= df ljut !=% aif{ b]lv ljleGg kbdf /lx xfn cfGtl/s n]vfkl/If0f ljefusf] k|d'v sf] ?kdf sfo{/t . Internal Auditor sf] ?kdf !) aif{ eGbf al9sf] cg'ea . @=gofFlbNnL l:yt Indusind a}+s ln= df chief Manager

-v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f / pQm sDkgL÷;+:yfsf ;+rfnsx?sf] gfd, 7]ufgf, -k|fs[lts AolQm gv'n];Dd_ M

;+:yfsf] gfd, 7]ufgf ;+rfnsx?sf] gfd 7]ufgf

!= >L Pg cfO ;L Plzof a}+s ln, sf=d=g=kf=–!!, 6«]8 6fj/, sf7df08f}

t'n;L /fd cu|jfn lj/f6gu/–(, df]/Ë lqnf]s rGb| cu|jfn lj/f6gu/–(, df]/Ë /fd rGb| ;ª\3fO{ sdnkf]v/L–#!, sf7df08f} lgs'~h cu|jfn nflhDkf6, sf7df08f} /fh]Gb| k|;fb cof{n nflhDkf6, sf7df08f} ljgf]b s'df/ Kofs'/]n gS;fn–!, sf7df08f} u0f]zdfg >]i7 jfkmn, sf7df08f}

Pg cfO{ ;L Plzof a+}s lnld6]8 ldlt @)&) cfiff9 !^ df g]kfn /fi6« a+}saf6 Ohfht k|fKt “s” ju{sf b'O{ jfl0fHo a+}sx? “g]kfn O{08li6«on P08 sdl;{on a}+s lnld6]8” tyf “a+}s ckm Plzof g]kfn lnld6]8” ufleP/ ;o+'Qm ?kdf sf/f]jf/ ub}{ cfPsf] a+}s xf] . o; a}+s sDkgL P]g, @)^# Pj+ a+}s tyf ljQLo ;+:yf P]g, @) -tTsfnLg a+}s tyf ljQLo ;+:yf P]g, @)^#_ cGtu{t :yfkgf ePsf] xf] .

12

-u_ ;+ul7t ;+:yfsf] ;+rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g ;Fu cfj4 eP To:tf] ;+rfns / cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf M qm=;+ ;+rfnssf] Gffd, 7]ufgf cfj4 /x]sf] ;+:yfsf] gfd, 7]ufgf

!= ljzfn l;Ub]n, ;fdfv';L sf7df08f} cWoIf, Pg cfO{ ;L Plzof Soflk6n ln=, aa/dxn, sf7df08f} @= lbg]z ef/L, ;fdfv';L, sf7df08f} ;~rfns, Pg cfO{ ;L Plzof Soflk6n ln=, aa/dxn, sf7df08f}

o; ljQLo ;+:yfsf] ;+rfnsx? To:t} vfnsf cGo ;+ul7t ;+:yfx?df ;+rfns gePsf] olsg ul/Psf] / ;+rfnsx?sf] ;DaGwdf ;+rfnsx?af6 ;"lrs[t ;+Ël7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf, @)&$ cg';f/sf k|fjwfgx? Tfyf sDkgL P]g, @)^# sf] bkmf *( sf] pkbkmf -!_ -5_ df pNn]lvt k|fjwfgx?sf] k"0f{ ?kdf kfngf ePsf] 5 .

-3_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M s_ g]kfn /fi6« a+}ssf] k"j{ :jLs[lt glnO{ ljQLo ;+:yfsf] z]o/ s'g} ljb]zL a+}s jf ljQLo ;+:yfnfO{ laqmL jf x:tfGt/0f ul/g] 5}g . v_ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt glnO{ ;+:yfks / ;j{;fwf/0f ;d"xsf] z]o/ :jfldTj cg'kftdf kl/jt{g ug{ kfO{g] 5}g . u_ ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk']u;Dd ;f] ;+:yfsf] ;+:yfksn] cfkm\gf] z]o/ laqmL jf lwtf]aGws /fVg kfpg]

5}g / pQm cjlwkl5 To:tf] z]o/ laqmL ubf{ jf lwtf]aGws /fVg' kbf{ g]kfn /fi6« a}+ssf] k"j{ :jLs[lt lng' kg{]5 . o; Joj:yf adf]lhd ljQLo ;+:yfn] sf/f]af/ ;+rfng u/]sf] kfFr jif{ gk'u] tfklg ljQLo ;+:yfsf] ;+rfngdf s'g} afwf Jojwfg pTkGg eO{ ljz]if kl/l:yltsf] ;[hgf x'g uPdf g]kfn /fi6« a}+ssf] :jLs[lt lnO{ ;+:yfksx?sf aLrdf z]o/ vl/b laqmL ug{ ;lsg]5 . t/, To;/L xs 5f]8\bf jf x:tfGt/0f ubf{ klxnf] k|fyldstf h'g ;d"xsf] z]o/ xf] ;f]xL ;d"xsf z]o/wgLx¿nfO{ lbg' kg{]5 . ;d"x leq pk;d"x /x]sf] cj:yfdf h'g pk;d"xsf] z]o/ xf] ;f]xL pk;d"xsf z]o/wgLnfO{ k|fyldstf lbOg]5 . o;/L z]o/ laqmL ubf{ Ps eGbf a9L z]o/wgLn] z]o/ v/Lb ug{ rfx]df lghn] wf/0f u/]sf] z]o/sf] cg'kftdf ljt/0f ug'{ kg]{5 . ;f] ;d"xsf s'g} klg ;+:yfks z]o/wgLn] z]o/ lng] OR5f gu/]df dfq To:tf] z]o/ ;+rfns ;ldltsf] lg0f{o adf]lhd g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cGo JolQm, kmd{, sDkgL jf ;+:yfnfO{ laqmL ug{ ;lsg] 5 .

3_ s'g} z]o/wgLsf] d[To' ePdf jf cbfntsf] cfb]zn] lghsf] z]o/ xsjfnfdf gfd;f/L x'g] ePdf v08 -u_ sf] aGb]h nfu' x'g] 5}g .

ª_ ljQLo ;+:yfsf ;+rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf ljQLo ;+:yfsf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf axfn /x+bfsf] jvt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd n3'ljQ ljQLo ;+:yf jf To;sf] ;xfos sDkgLsf] z]o/ cfkm\gf] jf cfkm\gf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf n3'ljQ ljQLo ;+:yfsf] gfddf vl/b laqmL ug{, u/fpg, ug{ lbg, lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng, lbg jf n]gb]g ug{ x'+b}g . t/ gofF z]o/ hf/L u/]sf] cj:yfdf of] k|ltjGw nfu' x'g] 5}g .

r_ s;}n] v08 -r_ sf] ljkl/t sfd u/]df To:tf] z]o/ n3'ljQ ljQLo ;+:yfn] hkmt ug]{5 / To;/L hkmt ePsf] z]o/ ;+rfns ;ldltn] plrt 7x¥ofPsf] lsl;daf6 laqmL lat/0f ug{ ;Sg]5 .

5_ z]o/ vl/b jf x:tfGt/0f ug{ aGb]h ;DaGwL cGo Joj:yf a}+s tyf ljQLo ;+:yf P]g, @), sDkgL sfg"g, lwtf]kq sf/f]af/ ;DaGwL sfg"g tyf cGo k|rlnt sfg"gdf pNn]v eP adf]lhd x'g]5 .

h_ ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)Æ sf] lgod -!)_ sf] pklgod -!_ df ePsf] Aoa:yf cg'?k lwtf]kq ;fj{hlgs lgisfzg ug{ ;Sg] u/L ;+:yflkt ;+ul7t ;+:yfsf ;j{;fwf/0f afx]s cGo ;d"x -;+:yfks / cGo ;d"x_ n] lnPsf] z]o/ ;fj{hlgs lgisfzg u/]sf] z]o/ afF8kmfF8 ePsf] ldltn] tLg aif{sf] cjlw k"/f geO{ laqmL ug{ kfOg] 5}g .

-v_ ;+:yfks÷;+rfns;Fusf] sf/f]af/ M

-s_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;+rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_ k|fKt u/]sf jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt tyf d"No / To:tf] ;'ljwf lbP afkt ;+ul7t ;+:yfn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf To; ;DaGwL ljj/0f M

ljQLo ;+:yfsf] ;+rfnsx?n] ;+rfns ;ldltsf] a}7s eQf afx]s cGo s'g} klg ;+:yfks÷;+rfnsn] o; ;+:yfaf6 k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/cfly{s_ k|fKt u/]sf 5}gg\ / ;f] ;DaGwdf ljQLo ;+:yfn] ;+:yfks tyf ;+rfnsaf6 s'g} ;DklQ jf ;]jf ;d]t k|fKt u/]sf] 5}g\ .

13

-v_ a'Fbf -s_ df pNn]lvt a:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;f] gePsf] . ^=;Lldt bfloTj ;DaGwL ljj/0f M

of] ljQLo ;+:yf sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @) cGtu{t :yflkt tyf ;~rflnt klAns lnld6]8 sDkgL xf] . o;df z]o/wgLx?sf] bfloTj ;Lldt 5 . o; n3'ljQ ljQLo ;+:yfsf z]o/wgLsf] bfloTj lghn] vl/b u/]sf] jf vl/b ug{ saf]n u/]sf] z]o/sf] clwstd /sd;Dd dfq ;Lldt /xg]5 .

&=;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M -s_ ;+ul7t ;+:yfsf] pRr Aoa:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] pRr Aoj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] sfd u/]sf] cg'ej tyf ;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ .

sd{rf/Lsf] gfd of]Uotf lgo'lQm ldlt sfof{g'ejz]o/ ;+Vof

!= >L nIdL k|;fb zdf{ k|d'v sfo{sf/L clws[t

Pd=P @)&$÷)%÷!! !^ aif{ eGbf al9sf] a}lsË cg'ea . PgcfO{l; Pl;of a}+s ln= df ;xfos k|aGws tyf

ljkGg au{ shf{ ljefu k|d'vsf] ?kdf !) dlxgfsf] cg'ea .

;g/fOh a}+s ln= df al/i7 clws[t tyf ljkGg au{ shf{ ljefu k|d'vsf] ?kdf $ aif{ sf] cg'ea .

ld/ld/] n3'laQ ljsf; a}+s ln= df al/i7 k|aGws, k|d'v shf{ tyf ;~rfng clws[t sf] ?kdf ! aif{ eGbf al9sf] cg'ea .

lgw{g pTyfg n3'ljQ ljQLo ;+:yf ln= df ( aif{ eGbf al9 k|aGws tyf sfo{qmd k|aGwssf] sfof{g'ea .

–

@= >L ;'ljg sfhL >]i7 ;xfos k|d'v sfo{sf/L clws[t, k|d'v Aoj;fo clws[t

Pd=lj=P @)&$÷)(÷@) g]kfn ;]jf n3'ljQ ljQLo ;+:yf ln= df jl/i7 k|aGws, sfo{afxs k|d'v sfo{sf/L clws[t nufot ljleGg kbdf % aif{sf] sfof{g'ea .

–

#= >L /lGhtf b'nfn gfoj k|aGws ,

k|d'v ;~rfng clws[t

Pd=lj=P; @)&$÷!!÷!# hgpTyfg ;fd'bflos n3'ljQ ljsf; a}+s ln= df hg;Dks{ clws[t, of]hgf, k|j4{g, ;~rf/ tyf dfga ;+;fwg ljefu k|d'v, sDkgL ;lra, a}+s ljQLo ;+:yfaf6 k|fKt ljkGg au{ shf{sf] sf]if Aoj:yfks sf] cg'ea

o'lgs OG6/g]zgndf k|lzIfs ;lra gj k|ltef o'jf ;dfh

–

$= >L ljdn g]kfn k|d'v ;"rgf k|ljlw tyf ljQ

lj=O{, lj=P;=l;

@)&$÷!!÷!# Pg=Pd=lj n3'ljQLo ;+:yf ln= tyf pGglt n3'ljQLo ;+:yf ln df ul/ @ aif{sf] cg'ej

Idream Technology Pvt. Ltd df cfO{l6 clws[t sf] ?kdf ^ dlxgfsf] cg'ej

Ncom Services Pvt. Ltd. df @=% jif{sf] g]6js{ cl;;6]G6sf] cg'ej

–

%= >L uf]kL rGb| 9'Ëfgf ;xfos k|aGws Pd=lj=P; @)&%÷)*÷@$ shf{ clws[tsf] ?kdf PgcfOl; Pl;of n3'ljQ ljQLo ;+:yf ln= df @)&%÷)*÷@$ b]vL sfo{/t

n]vf÷ljQ clws[tsf] ?kdf ;fx; phf{df @ aif{sf] sfo{ cg'ea

k|zf;g÷ljQ Pzf]l;o6 sf] ?kdf ;+o'Qm /fi6«;+l3o ljZj vfB sfo{qmddf !=% aif{sf] cg'ea

–

14

;+ul7t ;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof M ;f] gePsf] . cGo ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL eP ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sdM gePsf] .

-v_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! aif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t ;+:yfsf] pRr Aoa:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{ M ;f] gePsf] .

-u_ sd{rf/Lsf] ;+Vof M :yfoL, c:yfoL, s/f/f, Hofnfbf/L / cGo -xfn ;Ddsf]_ M qm=;+= s'n sd{r/L ;+Vof :yfoL c:yfoL s/f/ Hofnfbf/L k|lzIffyL{ != 282 110 55 84 - 33

gf]6 M sd{rf/Lx?sf nflu ;'/lIft ul/Psf] z]o/ s/f/ / Hofnfbf/Ldf sfo{/t sd{rf/Lx?nfO{ afF8kmfF8 gug]{ Aoa:yf ul/Psf] 5 .

-v_ ;+rfns Pj+ pRr Aoa:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f M

-s_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{ k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf / cGo ;'ljwf M ;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwf ;+:yfsf] lgodfjnLsf] bkmf #@ df ePsf] Joj:yf cg';f/ b]xfo adf]lhd /x]sf] 5 M

-s_ b}lgs sfo{ ;~rfngdf sfo{sf/L k|d'vsf] x}l;otn] k|ToIf ?kdf ;+nUg ;~rfnsn] dfl;s kfl/>lds ?=!,%),)))÷–, dfl;s ?=@),)))÷– ;Ddsf] cfjfz ;'ljwf / ?=%,)))÷– ;Ddsf] Od]n, kqklqsf tyf 6]lnkmf]g vr{ kfpg]5 / :jb]z tyf ljb]zsf] e|d0f vr{ l6s6 adf]lhdsf] jf:tfljs vr{ ePsf] /sdsf] cfwf/df e'QmfgL lbg]5 .

-v_ ;~rfns ;ldlt÷pk;ldltsf] a}+7sdf pkl:yt eP afkt k|lt a}7s eQf cWoIf÷;+of]hs / cGo ;+rfnsn] kfpg] k|lt a}+7s eQf cWoIf ?=#,)))÷–-cIf/]kL tLg xhf/ dfq_ / cGo ;+rfns ?=@,%))÷– -cIf/]kL b'O{ xhf/ kfFr ;o dfq_ x'g]5 .

-u_ ljQLo ;+:yfsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 M—

-c_ :jb]zdf b}lgs eQf ?= @,))).–

-cf_ ef/tdf b}lgs eQf ef=?= #,))).–

-O_ ef/t jfx]ssf cGo ljb]zL d'n'sdf b}lgs eQf cd]l/sL 8n/ !)).–

-O{_ e|d0f eQf ljn adf]lhd .

-v_ ;+ul7t ;+:yfsf] pRr Aoa:yfklso txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s aif{sf] cjlw leq pgLx?nfO{

kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M l;=g+= sd{rf/Lsf] gfd Kfb kfl/>lds /sd -?=_

-@)&% >fj0f ! b]lv @)&^ cfiff9 #@ ;Dd_ != nIdL k|;fb zdf{ k|d'v sfo{sf/L clws[t ##,%$,#%!=&% @= ;'ljg sfhL >]i7 ;xfos k|d'v sfo{sf/L clws[t 13,20,000 #= /l~htf b'nfn gfoj k|aGws 9,49,999

-u_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f M ;f] gePsf] .

*=cGtlg{lxt hf]lvd tyf ;f] df Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M

cGtlglx{t hf]lvd / ;f] sf] Aoa:yfkgsf] nflu Aoa:yfkgsf] wf/0ff lgDgfg';f/ /x]sf] 5 . -s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]vLd M

!= shf{ ;fk6L tyf shf{ nufgLsf] Jofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? . @= g]kfnsf] ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? . #= ljQLo >f]tsf] cefjjf6 nufgLsf] bfo/f ;+s'lrt x'g;Sg] hf]vLdx? .

-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]vLd M ;f] gePsf] . -u_ pTkfbg tyf ;]jfsf] ahf/ l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M

!= gofF ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g ;Sg] hf]lvdx? .

15

@= ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? . #= lgIf]k tyf shf{sf] Aofhb/df cfpg] kl/jt{gaf6 x'g ;Sg] hf]lvdx? .

-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 (cost overrun) sf] hf]vLd M ;f] gePsf] . -ª_ ljb]zL ljlgdosf] hf]lvd M ;f] gePsf] . -r_ sfg"gL k|s[ofx? tyf O{hfht k|fKt ug'{ kg]{ eP ;f] af6 kg{ ;Sg] cj/f]wx? M ;f] gePsf] . -5_ If]qLos/0f / ljZjAofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M

!= cGt/f{li6«o ahf/df x'g] cfly{s dGbLaf6 kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? . @= kF"hL ahf/sf] cj:yfdf cfpg] ptf/ r9fjaf6 kg{ ;Sg] hf]lvdx? .

-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjAofkL ?kdf x'g] gLltut kl/jt{gaf6 x'g] hf]vLdM !=g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf x'g ;Sg] hf]lvdx?. @=b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] hf/L ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf x'g] ;Defljt hf]lvdx? .

-em_ ;+rfng Oltxf;sf] cefj M o; ljQLo ;+:yfn] cfkm\gf] sf/f]af/ ldlt @)&$ kf}if % ut]b]lv ;+rfng u/]sf]n] ljQLo ;+:yfsf] ;+rfng Oltxf; 5f]6f] /x]sf] 5 . -`_ k|ljlwsf] kl/jt{gaf6 x'g] ;Sg] hf]vLdM

k|ljlw ;DaGwL kl/jt{gaf6 ljQLo ;+:yfsf] ;+rfng tyf sf/f]af/ k|0ffnLdf ck|Toflzt hf]lvd /xg' :jefljs g} xf]. ljQLo ;+:yfn] k|of]u ug]{ ;km\6j]o/df k|ljlwsf] kl/jt{gaf6 cfpg ;Sg] hf]lvd Aoa:yfkgsf] nflu tYofÍx?sf] ;'/Iffy{ Data Backup df laz]if ;ts{tf ckgfO{Psf] 5 / To;af6 hf]lvdnfO{ Go"lgs/0f ug{ ljQLo ;+:yf ;Ifd /x]sf] 5 .

-6_ cGo M != b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? . @= b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? .

;Defljt cfly{s hf]lvdx?nfO{ Go"gLs/0f ug{ Joj:yfkgn] lgDg pkfox? cjnDjg ub}{ hfg]5 . ljQLo ;+:yfsf] shf{ tyf nufgL v/fj eO{ x'g ;Sg] hf]lvdx?sf] nflu ljQLo ;+:yfn] shf{ tyf nufgLsf] nflu hf]lvd Aoxf]g]{ sf]ifsf] Aoa:yf u/]sf] 5 . To;}u/L C0f ;'/If0f sf]ifsf] Aoa:yf u/L shf{ nufgLdf cfpg ;Sg] ;+efljt hf]lvdnfO{ ;'/lIft tyf Go"lgs/0f ul/Psf] 5 . ljQLo ;+:yfn] ljQ ahf/df x'g] k|lt:kwf{sf] ;fy} If]qLos/0f / ljZjJofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hflvdx? Go"lgs/0f ug{sf nflu hgzlQm lasf;df Wofg k'/\ofpg'sf] ;fy} cGo Aoj;flos hf]lvdx?af6 l;h{gf x'g ;Sg] xfgL gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xfgL gf]S;fgL sd ug{ ;Ifd / k|ltj4 /x]sf] 5 . To:t} cGo ljleGg hf]lvdx? Go"gLs/0fsf nflu k|efjsf/L cfGtl/s lgoGq0f k|0ffnL,;dofg';f/sf] cfw'lgs k|ljlw, :ki6 gLlt tyf lgodx?sf] lgdf{0f Pj+ ;dofg';f/ cfˆgf] ;]jf tyf ;'ljwfx?df kl/jt{g ub}{ nlug] ljQLo ;+:yfsf] gLlt /x]sf]5 . lwtf]kq d"No kl/jt{g ;DalGw hf]lvd M ?=!))÷—k|lt z]o/sf b/n] lgisfzg ul/Psf] z]o/ d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]af/df ptf/ r9fj cfpg ;Sg] ePsf]n] z]o/ d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 . (= ljQLo ljj/0f M

-s_ ljQLo ljj/0f / tT;DaGwdf Aoa:yfkgsf] wf/0ff / ljZn]if0f M

-s_ ;+ul7t ;+:yfsf] n]vfkl/If0f ePsf] kl5Nnf] cfly{s aif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fj afF8kmfF8, gub k|jfx ljj/0f M ljQLo ;+:yfsf] cf=a=@)&%÷)&6 sf] n]vfkl/If0f k|ltj]bgdf n]vfk/LIfsn] "We do not express an opinion on the accompanying financial statements of the company whether the financial statments are fairly presented as per Nepal Financial Reporting Standards" egL pNn]v ePsf] tyf ;fwf/0f ;efaf6 kfl/t jf;nft, gfkmf gf]S;fg lx;fj, gf]kmf gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5M

16

jf;nft -cfiff9 d;fGt, @)&^_

k+"hL tyf bfloTj /sd -?=_ != z]o/ k+"hL !,)),$%,)),))) @= hu]8f tyf sf]ifx? !),$&,@%,)%( #= C0fkq tyf aG8 - $= ltg{ af+sL shf{ ;fk6 #,@),!@,%),(^* %= lgIf]k bfloTj %&,!&,%@,%@@ ^= k|:tfljt gub nfef+z - &= cfos/ bfloTj - *= cGo bfloTj #,$%,@%,&!# s"n k"+hL tyf bfloTj $,(!,^&,%$,@^# ;DklQ != gub df}Hbft -l;Ssf ;d]t_ $,*&,^$^ @= g]kfn /fi6« a}+sdf /x]]sf] df}Hbft #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $,#@,%@,!)% $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd @!,(*,@$,*(@ %= nufgL !$,@#,)%,&!$ ^= shf{ ;fk6 $,$&,@&,!*,)$$

&= l:y/ ;DklQ #,)%,#),@&% *= u}/ a}+lsË ;DklQ (= cGo ;DklQ &^,#%,%*&

s"n ;DklQ $,(!,^&,%$,@^#

gfkmf gf]S;fg lx;fj ->fj0f !, @)&% b]lv cfiff9 d;fGt @)&^_

ljj/0f /sd -?=_ != Jofh cfDbfgL %^,!!,&),!$$ @= Jofh vr{ @%,!@,!&,%$$ v'b Aofh cfDbfgL #),((,%@,^)) #= sldzg tyf cGo ;Grfng cfDbfgL (,#&,*$,%&! $= ;6xL 36a9 cfDbfgL s'n ;+rfng cfDbfgL $),#&,#&,!&@ %= sd{rf/L vr{ %,)(,@@,$*$ ^= cGo ;+rfng vr{ !%,&&,@&,(&* &= ;6xL 36a9 gf]]S;fg ;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf !(,%),*^,&!) *= ;Defljt gf]S;fgL Aoj:yfx? @,@(,!),!*( ;+rfng d'gfkmf÷-gf]S;fg_ !&,@!,&^,%@! (=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ !)=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ lgoldt sf/f]jf/af6 ePsf] d'gfkmf !&@!&^%@! !!=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ ;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf !&,@!,&^,%@! !@=sd{rf/L af]g; Joj:yf !,&@,!&,^%@ !#=cfos/ Aoa:yf $,$^,$(,&^* o; jif{sf] $,&%,@^,#)$ ut jif{sf] k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ -@*,&^,%#^_

17

v'b d'gfkmf÷-gf]]S;fg_ !!,)#,)(,!)) z]o/ ;+Vof -xhf/df_ !),)$% k|lt z]o/ cfDbfgL -?=_* @*.&(

gfkmf gf]S;fg afF8kmfF8 lx;fj ->fj0f !, @)&% b]lv cfiff9 d;fGt @)&^_ ljj/0f /sd -?=_

cfDbfgL != ut jif{;Ddsf] ;+lrt d'gfkmf @= o; jif{sf] d'gfkmf !!,)#,)(,!))#= ;6xL 36a9 sf]if -$= :yug s/ -%= hu]8f sf]if ;dfof]hg -^= ut aif{sf] ;+:yfut ;fdflhs pQ/bfloTj sf]ifaf6 lkmtf{ /sd -&= ut aif{sf] sd{rf/Lx?sf]] bIftf clej[l4 sf]ifaf6 lkmtf{ /sd -*= ut ;fnsf] z]o/ lk|ldod -

hDdf !!,)#,)(,!))vr{ != ut jif{;Ddsf] ;+lrt gf]]S;fg %%,*$,)$!@= o; jif{sf] gf]]S;fg -#= ;fw/0f hu]8f sf]if @,@),^!,*@) $= e}k/L cfpg] hu]8f -k/ ;f/]sf] s/_ -%= ;+:yf ljsf; sf]if -^= nfe+fz ;dLs/0f sf]if -&= sd{rf/L ;DaGwL hu]]]8fx? -*= k|:tfljt nfef+z -(= k|:tfljt af]g; z]o/ hf/L -!)= ljz]]if hu]]8f sf]if -!!= ;6xL 36a9 sf]if -!@= kF"hL lkmtf{ hu]8f sf]if -!#= kF"hL ;dfof]hg sf]if -!$= cGo -:yug s/ hu]8f_ -!%= nufgL ;dfof]hg sf]if -!%= ut jif{ ;DaGwL ;dfof]hg -!%= ;fdflhs pQ/bfloTj sf]if !!,)#,)(! !^= u|fxs ;+/If0fsf]if !!,)#,)(! !&= sd{rf/Lx?sf]] bIftf clej[l4 sf]if -hDdf @,(*,%@,)$# ;l~rt d'gfkmf÷-gf]]S;fg_ *,)$,%&,)%&

gub k|jfx ljj/0f ->fj0f !, @)&% b]lv cfiff9 d;fGt @)&^_

ljj/0f /sd -?=_ s_ sf/f]af/ ;~rfngaf6 gub k|jfx -*@,#),#%,##)_

!= gub k|flKt ^%$(%$&!^

!=! Aofh cfDbfgL %^!!&)!$$

!=@ sldzg tyf l8isfp06 cfDbfgL (,#&,*$,%&!

!=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL -

18

!=$ ckn]lvt shf{sf] c;"nL - !=% cGo cfDbfgL - @= gub e'QmfgL -$*$%*($$%_

@=!= Jofh vr{ -@%,)*,*),)%)_

@=@ sd{rf/L vr{ -$,^@,$%,*)@_

@=# sfof{no ;+rfng vr{ -!#,($,((,#!&_

@=$ cfos/ e'QmfgL -$,&(,^$,@&^_

@=% cGo vr{ - sfo{ut k"FhL ultljlw cl3sf] gub k|jfx !&,)#,^%,@&!

;~rfng ;DalGw rfn' ;Dkltdf sdL÷-a[l4_ -#,^&,!^,)!,@((_

!= dfu tyf cNk ;'rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ - @= cGo cNksfnLg nufgLdf sdL÷-a[l4_ - #= shf{ tyf ljN; v/Lbdf sdL÷-a[l4_ -#,^^,&(,^),@)@_

$= cGo ;DklQdf sdL÷-a[l4_ -#^,$!,)(&_

;~rfng ;DalGw rfn' bfloTjdf sdL÷-a[l4_ @,^&,*@,)),^(*

!= lgIf]k bfloTjdf sdL j|l¢ %),#!,$),)(%

@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - #= cNksfnLg ;fk6Ldf -sdL_÷a[l4 @,!*,)#,#),%!)

$= cGo bfloTjdf -sdL_÷a[l4 -%@,^(,()&_

v_ nufgL sf/f]af/df gub k|jfx -!^,*%,^@,^%$_

!= bL3{sfnLg nufgLdf sdL÷-a[l4_ -!%,)),)),)))_

@= z]o/ tyf l8a]~r/ laqmLaf6 k|fKt /sd - #= l:y/ ;Dkltdf sdL÷-a[l4_ -!*%,^@,^%$_

$= bL3{sfnLg nufgLdf Jofh cfDbfgL - %= nfef+z cfDbfgL - ^= cGo - u_ ljQLo sf/f]af/af6 gub k|jfx !,@),^$,!@,)*$

!= bL3{sfnLg C0f -a08, l8a]~r/ cflb_ df a[l4÷-sdL_ @&,!(,!@,)*$

@= z]o/ kF"hLdf a[l4÷-sdL_ (#,$%,)),)))

#= cGo bfloTjdf a[l4÷-sdL_ - $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df a[l4÷-sdL_ - 3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ - ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx @,!$,*!,$))

r_ gub tyf a}+sdf /x]sf] z'?sf] df}Hbft $,*&,%),%$#

5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft @^,#%,^$,^$#

-v_ ;~rfng cjlw tLg aif{ AotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf] cj:yfdf ;~rfng

cjlwe/sf] n]vfkl/If0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ M

ljQLo ;+:yfn] cfkm\gf] sf/f]af/ ldlt @)&$÷(÷% ut] b]lv k|f/De u/]sf] xf] . ljQLo ;+:yfsf] ljut aif{x?sf] n]vfkl/Ifs af6 k|dfl0ft jf;nft / gfkmf gf]S;fg lx;fjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 M

jf;nft /sd -?=_ k+"hL tyf bfloTj cf=a=)&%÷)&^ cf=a=)&$÷)&%

!= z]o/ k+"hL !,)),$%,)),))) &,)),)),))) @= hu]8f tyf sf]ifx? !),$&,@%,)%( -%%,*$,)$!_

#= C0fkq tyf aG8 - - $= ltg{ af+sL shf{ ;fk6 #,@),!@,%),(^* &,$(,)),*#& %= lgIf]k bfloTj %&,!&,%@,%@@ ^,*^,!@,$@&

19

^= k|:tfljt gub nfef+z - - &= cfos/ bfloTj - - *= cGo bfloTj #,$%,@%,&!# ^@,^*,(^@ s"n k"+hL tyf bfloTj $,(!,^&,%$,@^# **,*#,)%,&@# ;DklQ != gub df}Hbft -l;Ssf ;d]t_ $,*&,^$^ !#,%@,*($ @= g]kfn /fi6« a}+sdf /x]]sf] df}Hbft #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $,#@,%@,!)% $,,(&,^$( $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd @!,(*,@$,*(@ %= nufgL !$,@#,)%,&!$ ^= shf{ ;fk6 $,$&,@&,!*,)$$ *!,((,,&$% &= l:y/ ;DklQ #,)%,#),@&% !,*^,*!,@&^= *= u}/ a}+lsË ;DklQ (= cGo ;DklQ &^,#%,%*& ()),!%* s"n ;DklQ $,(!,^&,%$,@^# **,*#,)%,&@#

gfkmf gf]S;fg lx;fj

/sd -?=_ ljj/0f cf=a=)&%÷)&^ cf=a=)&$÷)&%

!= Jofh cfDbfgL %^,!!,&),!$$ !,!),)&,(^$ @= Jofh vr{ @%,!@,!&,%$$ (^,*%,)(& v'b Aofh cfDbfgL #),((,%@,^)) !#,@@,*^& #= sldzg tyf cGo ;Grfng cfDbfgL (,#&,*$,%&! !,%(,)$,&%) $= ;6xL 36a9 cfDbfgL s'n ;+rfng cfDbfgL $),#&,#&,!&@ !,&@,@&,^!& %= sd{rf/L vr{ %,)(,@@,$*$ &@,*&,!)^ ^= cGo ;+rfng vr{ !%,&&,@&,(&* &),@!,*!# &= ;6xL 36a9 gf]]S;fg ;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf !(,%),*^,&!) @(,!*,^(* *= ;Defljt gf]S;fgL Aoj:yfx? @,@(,!),!*( *$,$(,@)) ;+rfng d'gfkmf÷-gf]S;fg_ !&,@!,&^,%@! -%%,#),%)@_ (=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ !)=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ !,^^,^#& lgoldt sf/f]jf/af6 ePsf] d'gfkmf !&@!&^%@! -%#,^#,*^%_ !!=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf !&,@!,&^,%@! -%#,^#,*^%_ !@=sd{rf/L af]g; Joj:yf !,&@,!&,^%@ !#=cfos/ Aoa:yf $,$^,$(,&^* @@),!&^ o; jif{sf] $,&%,@^,#)$ ut jif{sf] k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ -@*,&^,%#^_ v'b d'gfkmf÷-gf]]S;fg_ !!,)#,)(,!)) -%%,*$,)$!_ z]o/ ;+Vof -xhf/df_ !),)$% &)) k|lt z]o/ cfDbfgL -?=_* @*.&( -&.(*_

20

*k|lt z]o/ cfDbfgLsf] u0fgf g]kfn n]vfdfg adf]lhd ul/Psf] .

gub k|jfx ljj/0f /sd -?=_

ljj/0f cf=a=)&%÷)&^ cf=a=)&$÷)&%

s_ sf/f]af/ ;~rfngaf6 gub k|jfx -*@,#),#%,##)_ -&%,!%,&^,%%%_

!= gub k|flKt ^%$(%$&!^ @^(!@&!$

!=! Aofh cfDbfgL %^!!&)!$$ !!))&(^$

!=@ sldzg tyf l8isfp06 cfDbfgL (,#&,*$,%&! !,%(,)$,&%)

!=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - -!=$ ckn]lvt shf{sf] c;"nL - -!=% cGo cfDbfgL - -@= gub e'QmfgL -$*$%*($$%_ -@!(!*^$!_

@=!= Jofh vr{ -@%,)*,*),)%)_ -(^,*%,)(&_

@=@ sd{rf/L vr{ -$,^@,$%,*)@_ -^%,&%,&))_

@=# sfof{no ;+rfng vr{ -!#,($,((,#!&_ -%%,($,@(*_

@=$ cfos/ e'QmfgL -$,&(,^$,@&^_ -^#,%$^_

@=% cGo vr{ - -sfo{ut k"FhL ultljlw cl3sf] gub k|jfx !&,)#,^%,@&! $(,($,)

;~rfng ;DalGw rfn' ;Dkltdf sdL÷-a[l4_ -#,^&,!^,)!,@((_ -*@,(),(@,(@)_

!= dfu tyf cNk ;'rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ - -@= cGo cNksfnLg nufgLdf sdL÷-a[l4_ - -#= shf{ tyf ljN; v/Lbdf sdL÷-a[l4_ -#,^^,&(,^),@)@_ -*@,*@,%^,#)*_

$= cGo ;DklQdf sdL÷-a[l4_ -#^,$!,)(&_ -*,#^,^!@_

;~rfng ;DalGw rfn' bfloTjdf sdL÷-a[l4_ @,^&,*@,)),^(* &,@%,@@,@(@

!= lgIf]k bfloTjdf sdL j|l¢ %),#!,$),)(% ^,*^,!@,$@&

@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 - -#= cNksfnLg ;fk6Ldf -sdL_÷a[l4 @,!*,)#,#),%!) -$= cGo bfloTjdf -sdL_÷a[l4 -%@,^(,()&_ #(,)(,*^%

v_ nufgL sf/f]af/df gub k|jfx -!^,*%,^@,^%$_ -!,*^,*!,@&&_

!= bL3{sfnLg nufgLdf sdL÷-a[l4_ -!%,)),)),)))_ -@= z]o/ tyf l8a]~r/ laqmLaf6 k|fKt /sd - -#= l:y/ ;Dkltdf sdL÷-a[l4_ -!*%,^@,^%$_ -!,*^,*!,@&&_

$= bL3{sfnLg nufgLdf Jofh cfDbfgL - -%= nfef+z cfDbfgL - -^= cGo - -u_ ljQLo sf/f]af/af6 gub k|jfx !,@),^$,!@,)*$ *!,(),)*,#&%

!= bL3{sfnLg C0f -a08, l8a]~r/ cflb_ df a[l4÷-sdL_ @&,!(,!@,)*$ &$,(),)*,#&%

@= z]o/ kF"hLdf a[l4÷-sdL_ (#,$%,)),))) &,)),)),)))

#= cGo bfloTjdf a[l4÷-sdL_ - -$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df a[l4÷-sdL_ - -3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ - -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx @,!$,*!,$)) $,*&,%),%$#

r_ gub tyf a}+sdf /x]sf] z'?sf] df}Hbft $,*&,%),%$# -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft @^,#%,^$,^$# $,*&,%),%$#

21

-u_ cfly{s aif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[tLsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfkl/Ifsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M

cf=a=@)&^÷)&& sf] kf}if d;fGt ;Ddsf] n]vfkl/Ifsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f b]xfo adf]lhd /x]sf] 5 . jf;nft

-@)&6 >fj0f ! ut] b]lv @)&6 kf}if d;fGt ;Ddsf]_

k"FhL tyf bfloTj /sd -?=xhf/df_

!= z]o/ k"FhL 1,004,500 @= hu]8f tyf sf]ifx? 218,857#= C0fkq tyf a08 - $= ltg{ afFsL shf{ ;fk6 4,715,168%= lgIf]k bfloTj 794,945^= e'QmfgL lbg'kg]{ lanx? - &= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z - *= cfos/ bfloTj -(= cGo bfloTj         172,118

s'n k"FhL tyf bfloTj 6,905,588;DklQ

!= gub df}Hbft 1,044

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft -

#= a}s÷laQLo ;+:yfdf /x]sf] df}Hbft 57,654

$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 657,359

%= nufgL 698,304

^= shf{ ;fk6 tyf lan vl/b 5,348,084

&= l:y/ ;DklQ 28,994*= u}/ a}+ls+Í ;DklQ - (= cGo ;DklQ         114,148

s'n ;DklQ      6,905,588

gfkmf gf]S;fg lx;fj ->fj0f !, @)&6 b]lv kf}if d;fGt @)&6_ ljj/0f /sd -?=xhf/df_

!= Jofh cfDbfgL 423,968 @= Jofh vr{ 203,479 v'b Aofh cfDbfgL 220,489 $= sldzg tyf cGo ;Grfng cfDbfgL 35,564 %= ;6xL 36a9 cfDbfgL - s'n ;+rfng cfDbfgL 256,053 ^= sd{rf/L vr{ 33,395 &= cGo ;+rfng vr{ 36,574 *= ;6xL 36a9 gf]]S;fg - ;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 186,084 (= ;Defljt gf]S;fgL 23,433 ;+rfng d'gfkmf÷-gf]S;fg_ 162,651 !)=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ - !!=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ 12,216 lgoldt sf/f]jf/af6 ePsf] d'gfkmf 174,866 !@=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - cg'bfg k|fKt ;DklQsf] x|f; s§L /sd cfDbfgL -

22

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b gfkmf 174,866 !#=sd{rf/L af]g; Joj:yf           15,897 !$=cfos/ Aoa:yf 47,691 o; jif{sf]           47,691 ut jif{sf] - k/ ;fl/Psf] cfos/ cfDbfgL ÷ -vr{_ - d'gfkmf÷-gf]]S;fg_ 111,278

-3_ cfDbfgL / vr{sf] lx;fjdf s'g} lzif{sdf 7'nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f] gePsf] . -ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfkl/If0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/df, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@

dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;+rfnsx?sf] 3f/0ff M ;f] gePsf] . -r_ cfly{s aif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[tL x'g] ldlt ;Dddf jf;nftsf] ldlt kl5sf]

36gfsf] af/]df 5'§} hfgsf/L ljj/0fkqdf ;dfj]z ug'{ kg]{ M ;f] gePsf] . -5_ ljut % aif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf] k"gd"{Nof+sg cl3 /

kl5sf] lstfjL d"No, -O{_ k"gd{"Nof+sgsf] cf}lrTo M;f] gePsf] . -h_ cfufdL tLg aif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M

ljQLo ;+:yfsf] cfufdL # cfly{s aif{sf nflu k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 M jf;nft

k"FhL tyf bfloTj k|If]lkt -?= xhf/df_

cf=a=)&^÷)&& cf=a=)&&÷)&* cf=a=)&*÷)&9 != z]o/ k"FhL 1,480,000 1,480,000 1,480,000@= hu]8f tyf sf]ifx? 204,195 523,925 1,280,634#= C0fkq tyf a08 - - - $= ltg{ afFsL shf{ ;fk6 8,000,000 16,700,000 24,000,000%= lgIf]k bfloTj 1,900,000 4,500,000 9,000,000^= e'QmfgL lbg' kg]{ lanx? - - - &= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z 222,000 370,000 444,000*= cfos/ bfloTj 140,515 298,053 528,151(= cGo bfloTj 77,108 151,046 256,201s'n k"FhL tyf bfloTj 12,023,818 24,023,024 36,988,985 ;DklQ != gub df}Hbft 1,091 1,339 1,866@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft - - - #= a}s ÷laQLo ;+:yfdf /x]sf] df}Hbft 146,000 299,000 444,000$= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 555,000 1,280,500 1,939,000%= nufgL 164,000 189,000 217,000^= shf{ ;fk6 tyf lan vl/b 10,905,431 21,784,481 33,627,140&= l:y/ ;DklQ 107,707 162,773 213,819*= u}/ a}+ls+Í ;DklQ - - - (= cGo ;DklQ 144,588 305,931 546,161s'n ;DklQ 12,023,818 24,023,024 36,988,985

gfkmf gf]S;fg lx;fj

ljj/0f k|If]lkt -?=xhf/df_

cf=a=)&^÷)&& cf=a=)&&÷)&* cf=a=)&*÷)&9 != Jofh cfDbfgL 1,400,471 2,987,476 5,072,536@= Jofh vr{ 658,933 1,491,000 2,575,000v'b Aofh cfDbfgL 741,538 1,496,476 2,497,536$= sldzg tyf cGo ;Grfng cfDbfgL 178,906 417,892 631,117%= ;6xL 36a9 cfDbfgL - - -

23

s'n ;+rfng cfDbfgL 920,444 1,914,368 3,128,653^= sd{rf/L vr{ 152,666 376,403 564,578&= cGo ;+rfng vr{ 174,064 326,191 473,060*= ;6xL 36a9 gf]]S;fg - - -;Defljt gf]S;gL Aoa:yf cl3sf] ;+rfng d'gfkmf 593,714 1,211,775 2,091,015(= ;Defljt gf]S;fgL 86,286 120,950 157,341;+rfng d'gfkmf÷-gf]S;fg_ 507,427 1,090,825 1,933,673!)=u}/ ;+rfng cfDbfgL÷-gf]S;fg_ 7,115 8,200 9,450!!=;Defljt gf]S;fgL Aoa:yfaf6 lkmtf{ - - -lgoldt sf/f]jf/af6 ePsf] d'gfkmf 514,543 1,099,025 1,943,123!@=c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷-vr{_ - - - cg'bfg k|fKt ;DklQsf] x|f; s§L /sd cfDbfgL - - -;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b gfkmf 514,543 1,099,025 1,943,123!#=sd{rf/L af]g; Joj:yf 51,454 109,902 194,312!$=cfos/ Aoa:yf 139,743 293,619 520,626 o; jif{sf] 140,515 298,053 528,151 ut jif{sf] - - - k/ ;fl/Psf] cfos/ vr{ ÷ -cfDbfgL_ (772) (4,434) (7,525)v'b d'gfkmf÷-gf]]S;fg_ 323,345 695,503 1,228,185z]o/ ;+Vof -xhf/df_ 14,800 14,800 14,800k|lt z]o/ cfDbfgL -?=_ 23.76 46.99 82.99

dfly pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt, lgisfzgstf{ ;+:yfsf] xfnsf] bIftf / lgisfzgstf{ n3'ljQ ljQLo ;+:yfn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL cfrfo{ ;'dg P;f]l;P6\; rf6{8{ PsfpG6]G6\; >L ;'dg cfrfo{n]] k|dfl0ft u/]sf] xf] .

ljQLo k|If]k0fsf cfwf/ tyf tl/sf M

ljj/0f cf=a=)&^÷)&& cf=a=)&&÷)&* cf=a=)&*÷)&9 != s'n lgIf]kdf cf}ift a[l4b/ -k|ltztdf_ 232% 137% 100%@= s'n shf{ tyf ;fk6df cf}ift a[l4b/ -k|ltztdf_ 143.45% 99.76% 54.36%#= s'n shf{ tyf lgIf]k±k"Flhsf]if cg'kft -k|ltztdf_ 373% 377% 302%$= s'n cfodf cf}ift a[l4b/ -Interest income+SC) 131.63% 115.61% 67.49%%= s'n vr{df cf}ift a[l4b/ -Interest exp+ OE++LLP_ 108.06% 115.92% 62.88%^= ;+rfng vr{ tyf s'n cfDbfgL cg'kft 21% 21% 18%&= v'b d'gfkmfdf cf}ift a[l4b/ 208.76% 115.10% 76.59%*= lgIf]ksf] cf}ift Aofhb/ -k|ltztdf_ 8.00% 8.00% 7.75% (= shf{ tyf ;fk6sf] cf}ift Aofhb/ -k|ltztdf_ 18% 18% 18% !)=cfos/ Aoj:yf -k|ltztdf_ 30.00% 30.00% 30.00% lgl:qmo shf{ ;fk6 -k|ltztdf_ 0.49% 0.53% 0.69%nufgLdf k|ltkmn - - - cGo ;+rfng vr{sf j[l4b/ 5.65% 87.40% 45.03%sd{rf/L vr{df a[l4b/ 162.27% 146.55% 49.99%% of Provision on Total Gross Loan 0.79% 0.56% 0.47%t/ntf (CRR) 1.49% 1.42% 1.35% t/n ;DklQ ;DalGw Joj:yf (Liquid Assets Related Provision) 31.11% 29.44% 22.19%

kF"hLsf]if kof{Kttf (CAR) 15.54% 9.49% 8.53%dfly pNn]lvt ljQLo k|If]k0fsf cfwf/sf] cf}lrTo k'i6L x'g] ljj/0fx? M !=shf{ tyf ;fk6 M

24

;+:yfsf] cf=a=@)&^÷)&& sf] cflZjg d;fGt ;Dddf c;n shf{df sl/a !!& k|ltztsf] a[l4 ePsf] / ;+:yfsf] Aoa:yfkgn] ug]{ of]hgf cg';f/ cf=a= @)&%÷)&^, @)&^÷)&& / @)&&÷)&* df qmdzM !^!, @) / #) k|ltztn] s'n shf{ a[l4 x'g] k|If]k0f ul/Psf] 5 . xfn w]/} gofF n3'ljQ ljQLo ;+:yfx?sf] ahf/df k|j]z ePsf] / ;f] sf/0fn] ubf{ n3'ljQ Aoa;fodf cToflws k|lt:kwf{ x'g] ePsf]n] cfufdL aif{x?df shf{ tyf ;fk6 k|jfx ug{ xfnsf] kl/k]If eGbf sl7gfO{ x'g] b]lvPsf]n] cf=a=@)&^÷)&& / cf=a=@)&&÷)&* df shf{ tyf ;fk6sf] a[l4b/ cf=a=@)&%÷)&^ sf] t'ngfdf sd x'g uPsf] xf] .

shf{ tyf ;fk6df k|fKt x'g] cf};t Aofhb/ cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu qmdzM !*, !* / !* k|ltzt x'g] cg'dfg ul/Psf] 5 .

shf{ tyf ;fk6sf] lgIf]k / k|fylds k+'hLsf] cg'kft (CD Ratio) g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L shf{ tyf ;fk6 k|If]k0f ul/Psf] 5 . h; cg'?k cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu qmdzM #, #&& / #)@ k|ltzt x'g] k|If]k0f ul/Psf] 5 .

shf{ gf]S;fgL Joj:yf cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu s'n shf{ tyf ;fk6sf] qmdzM )=&(, )=%^ / )=$& k|ltzt sfod /xg] cg'dfg ul/Psf] 5 .

@=lgIf]kM ;+:yfsf] cf=a=@)&%÷)&^ sf] cfiff9 d;fGtaf6 cf=a=@)&^÷)&& sf] cflZjg ;Dddf hDdf lgIf]kdf nueu !)=$) k|ltztsf] a[l4 ePsf] tyf ;+:yfsf] Aoa:yfkgn]] ug]{ of]hgf cg';f/ cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( df qmdzM @#@, !#& / !)) k|ltztn] s'n lgIf]k a[l4 x'g] k|If]k0f ul/Psf] 5 .

lgIf]k bfloTjdf ltg'{kg]{ cf};t Jofhb/ cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu qmdzM *=)), *=)) / *=)) k|ltzt sfod /xg] cg'dfg ul/Psf] 5 . #= t/ntfM g]kfn /fi6« a}+sn] Joj:yf u/]sf] t/n ;DklQ ;DalGw Joj:yf (Liquid Assets Related Provision) cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu qmdzM #!=!!, @(=$$ / @@=!( k|ltzt sfod x'g] u/L nufgL k|If]k0f ul/Psf] 5 . g]kfn /fi6« a}+sn] Joj:yf u/]sf] clgjfo{ df}Hbft (Cash Reserve Requirement) cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu qmdzM !=$(, !=$@ / !=#% k|ltzt sfod x'g] u/L nufgL k|If]k0f ul/Psf] 5 . $=;+rfng gfkmfsf] !) k|ltzt /sd sd{rf/L af]g; Joj:yfsf] nflu 5'§ofPsf] 5 . %=cfpFbf] jif{x?sf] nflu ljQLo ;+:yfn] cfh{g ug]{ gfkmfdf #) k|ltztsf] b/n] cfos/sf] nflu Joj:yf ul/Psf] 5 . ^=ut jif{x?sf] jf:tljs cfFs8f tyf cfpFbf] jif{sf] ;+rfng of]hgfsf] cfwf/df ljQLo ;+:yfsf] Joj:yfkgåf/f ljQLo ljj/0f k|If]k0f ul/Psf] xf] . &=k'+hL kof{Kttf (Capital Adequacy) sf] dfqf g]kfn /fi6« a}+sn] tf]s]sf] cg'kft cg'?k /xg] u/L k|If]k0f ul/Psf] 5. H; cg'?k k'+hLsf]ifsf] cg'kft cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu qmdzM !!=#@, (=$( / *=%# k|ltzt / k|fylds k'+hLsf] cg'kft cf=a=@)&^÷)&&, @)&&÷)&* / @)&*÷)&( sf] nflu qmdzM !!=!%, !)=%* / !)=^% k|ltzt x'g] u/L k|If]k0f ul/Psf] 5 . -v_ ljQLo cg'kft ;DaGwL ljj/0f M ;+ul7t ;+:yfsf] ;~rfng cjlw tLg aif{ AotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf] cj:yfdf ;~rfng cjlwsf] tyf cfufdL # aif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS) k|lt z]o/ g]6jy{, g]6jy{df k|ltkmn / lgisfzg k"j{sf] k|lt z]o/ cfDbfgL sfod /fVg a[l4 x'g] g]6jy{df cfjZos k|ltkmn M

-s_ ;~rfng cjlw tLg aif{ AotLt e};s]sf] cj:yfdf ljut tLg aif{sf] / tLg aif{ AotLt e}g;s]sf] cj:yfdf ;~rfng cjlwsf] tyf cfufdL # aif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS) tyf k|lt z]o/ g]6jy{ M

ljj/0f jf:tljs -?=xhf/df_

cf=a= k|If]lkt -?=xhf/df_

)&^÷)&& cf=a= cf=a= kf}if d;fGt cf=a= cf=a= cf=a=)&$÷)&% )&%÷)&^ )&^÷)&& )&&÷)&* )&*÷)&9

r'Qmf k'FhL 70,000 1,004,500 1,004,50000 1,480,000 1,480,000 1,480,000 hu]8f tyf sf]ifx? (5,584) 104,725 217,744.61 204,195 523,925 1,280,634 s'n 64,416 1,109,225 1,222,245 1,684,195 2,003,925 2,760,634 36fpg]Mckn]vg ug{ afFsL vr{ (159) - - - - -

25

s'n g]6jy{ 64,575 1,109,225 1,222,245 1,684,195 2,003,925 2,760,634 z]o/ ;+Vof -xhf/df_ 700 10,045 10,045 14,800 14,800 14,800 k|lt z]o/ g]6jy{ -?=_ 92.02 110.43 121.68 113.80 135.40 186.53 k|lt z]o/ r'Qmf k'FhL 100 100 100 100 100 100 g]6jy{df k|ltkmn (8.67) 9.94 18.03 27.70 41.30 61.29k|lt z]o/ cfDbfgL -?=_ (7.98) 28.79 19.61 23.76 46.99 82.99

lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg cfjZos Go"gtd k|ltkmn

26.89%

-v_ ljut # aif{sf] g]6jy{df ePsf] cf};t k|ltkmn M !=@*% ( ¡¢. ú. 2074/75 / 2075/76 a¢³ ¡¢μvl)

dfly pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt, lgisfzgstf{ n3'ljQ ljQLo ;+:yfsf] xfnsf] bIftf / lgisfzgstf{ n3'ljQ ljQLo ;+:yfn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL cfrfo{ ;'dg P;f]l;P6\; rf6{8{ PsfpG6]G6\; >L ;'dg cfrfo{ 4f/f k|dfl0ft u/]sf] xf] .

!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M

-s_ lwtf]kq hf/L ug'{sf] p2]Zo M

c_ ljQLo ;+:yfsf] hf/L k"FhL ?=! ca{ $* s/f]8 dWo] k|aGwkqdf Aoj:yf eP cg'?k hf/L kF"hLsf] #@=!#% z]o/ ;j{;fwf/0fdf laqmL ug'{ kg]{ ePsf] sf/0f hf/L k"FhLsf] #@=!#% cyf{t ?=$&,%%,)),)))÷—/sd a/fa/sf] k|lt z]o/ ?=!))÷— c+lst b/sf] $&,%%,))) lsQf ;fwf/0f z]o/ ;j{;fwf/0fx?df laqmL ljt/0f u/L ljQLo ;+:yfsf] ;~rfngdf ;j{;fwf/0fx?nfO{ ;d]t ;+nUg u/fpg .

cf_ ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnLdf pNn]v ePsf p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos k"FhL ;+sng ug{ .

O_ ljQLo ;+:yfn] cfkm\gf] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{ cfjZos kg]{ kF"hLsf] Aoj:yf ug{ .

-v_ lwtf]kq lgisfzg u/L k|fKt k"FhLsf] pkof]u M

-s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5, tT;DaGwL ljj/0f M

;fwf/0f z]o/ lgisfzg u/L k|fKt x'g] k"FhL a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @), ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnL / cGo k|rlnt sfg"g adf]lhd æ3Æ ju{sf] ljQLo ;+:yfn] ug{ kfpg] sfo{sf] clwgdf /xL ljQ ljQLo ;+:yfsf] Joj;flos k|of]hgdf pkof]u ul/g]5 . ;fwf/0f z]o/ lgisfzg u/L k|fKt x'g] kF"hL ljQLo ;+:yfsf] lgoldt n3'ljQ sf/f]af/ Pj+ cfly{s sf/f]jf/x? lj:tf/ Pj+ a[l4 ug{ pkof]u ul/g]5, h'g b]xfo cg';f/ pNn]v ul/Psf] 5 .

qm=;+= shf{ k|jfx ul/g] I]fqx? cg'dflgt /sd

! kz'kfng tyf s[lif shf{ ?=@@,#$,*%,)))÷—

@ v'b|f Aofkf/ / ;]jf shf{ ?=!^,^$,@%,)))÷—

# ;fgf tyf 3/]n' shf{ ?=*,%%,(),)))÷—

hDdf ?=$&, %%,)),)))÷—

-v_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo k|flKt ug{sf] nflu ckgfOg] a}slNks Aoa:yf M

n3'ljQ ljQLo ;+:yfx?sf] z]o/ lgisfzg ubf{ lgisflzt z]o/ eGbf clws dfqfdf cfj]bg k|fKt x'g] u/]sf] b]lvPsf]n] o; ljQLo ;+:yfsf] lgisflzt z]o/x? klg k"0f{ ?kdf laqmL x'g] wf/0ff ljQLo ;+:yfsf] /x]sf] 5 . sy+sbflrt lgisfzg ul/g] ;fwf/0f z]o/ k"0f{ ?kdf laqmL gePdf PgcfO{ljPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+n] lgisfzg /sdsf] ;Dk'0f{ z]o/ vl/b ug]{ k|Tofe"lt ;Demf}tf ul/Psf] 5 .

-u_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f ;dfKt e};s]sf] eP ;f] ;DaGwL ljj/0f pNn]v ug'{ kg]{ M ;f] gePsf] .

26

-3_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt ldlt pNn]v ug'{ kg]{ M;f] gePsf] .

-ª_ ;+ul7t ;+:yfn] s'g} pks/0f vl/b u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf] gfd / ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a"Fbfx? M ;f] gePsf] .

-r_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf ul/Psf] eP ;f] sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M;f] gePsf] .

-5_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut aif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M ;f] gePsf].

-h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M ;f] gePsf] .

-em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M ;f] gePsf] .

-`_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL ljj/0f M

-c_ lgisfzg tyf laqmL k|aGws M

o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fnfO{ laqmL ul/g] ;fwf/0f z]o/sf] lgisfzg tyf laqmL k|aGwssf] ?kdf sfo{ ug{ ;flgdf Soflk6n lnld6]8, k'tnL;8s, sf7df08f}+nfO{ ;]jf z'Ns afkt ?=!,)),)))÷—-cIf]?kL Ps nfv ?k}+of dfq_ e'QmfgL lbOg]5 .

-cf_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_ M

;f] gePsf] .

-O_ k|Tofe"ltstf{ M

k|Tofe"ltstf{ PgcfO{ljPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+}+nfO{ k|Tofe'lt ;]jf k|bfg u/] afkt ?= !,%),)))÷— -cIf]?kL Ps nfv krf; xhf/ ?k}+of dfq_ e'QmfgL lbO{g]5 .

-O{_ lj1x? M k|If]lkt ljQLo ljj/0f k|dfl0ft ug]{ lj1nfO{ ?=$%,@))÷— e'QmfgL ul/Psf] 5 .

-p_ n]vfkl/Ifs M

ljQLo ;+:yfsf] k|If]lkt ljQLo ljj/0fx?sf] k'g/fjnf]sg u/L k|dfl0ft ug{ cfrfo{ ;'dg P;f]l;P6\;sf rf6{8{ PsfpG6]06 >L ;'dg cfrfo{nfO{ k|dfl0ft z'Ns afkt ?=$%,@))÷— k|bfg u/]sf] 5 .

-pm_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_ M

g]kfn lwtf]kq af]8{af6 @)&$÷!!÷!! ut]b]lv l;—cf:jf k|0ffnL sfof{Gjog eO{;s]sf] ;Gbe{df g]kfn lwtf]kq af8{af6 :jLs[t k|fKt l;—cf:jf ;b:o a}+s tyf ljQLo ;+:yf / ltgsf tf]lsPsf zfvf sfof{nox? o; lgisfzgsf] nflu ;+sng s]Gb|sf] ?kdf /xg]5g\ . l;—cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?nfO{ s'g} z'Ns e'QmfgL ug'{ gkg]{ / lghx?n] g]kfn lwtf]kq af]8{n] tf]s] adf]lhdsf] z'Ns lgisfzg tyf laqmL k|aGwsnfO{ e'QmfgL ug]{5g\ . l;—cf:jf k|0ffnL sfof{Gjog ePsf] ;Gbe{df lgisfzg a}+ssf] cfjZostf gx'g] ePtf klg cfjZostf cg';f/ lgisfzg a}+s vf]Ng ;lsg]5 / ;f] sf] hfgsf/L g]kfn lwtf]kq af]8{nfO{ clu|d ?kdf u/fOg]5.

-u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ cfof]hgfdf k|of]u ug{ k"j{ cGo s'g} Aoa:yf ug{ nfluPsf] 5 eg] tt\ ;DalGw ljj/0f M ;f] gePsf] .

-3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf M ;f] gePsf] .

-ª_ lwtf]kq afF8kmfF8, lkmtf{ e'QmfgL tyf ;"lrs/0f ;DalGw Aoa:yf M

-s_ cToflws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|s[of M

o; ljj/0fkq dfkm{t hf/L ul/Psf] ;fwf/0f z]o/ ;+Vof eGbf a9L ;+Vofdf ;fwf/0f z]o/ vl/bsf] nfuL b/vf:t k|fKt x'g cfPdf ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ df ePsf] Aoj:yf cg';f/ ;fwf/0f z]o/x? afF8kmFf8 ul/g]5 . olb lgisfzg ul/Psf] z]o/sf] ;+Vof eGbf sd ;+Vofdf ;fwf/0f z]o/ vl/bsf nflu b/vf:t k|fKt x'g cfPdf dfu adf]lhd z]o/ afF8kmfF8 u/L afFsL /x]sf] z]o/ k|Tofe'ltstf{n] k|Tofe'lt ;DaGwL ;Demf}tfdf ePsf] Aoa:yf cg';f/ vl/b ug]{5 .

27

-v_ cToflws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joa:yf M

z]o/ ljqmL aGb ePsf] ldltn] g]kfn lwtf]kq af]8{n] tf]s]sf] ;dofjlw leq z]o/ afF8kmfF8 u/L k"0f{ jf cf+lzs ?kdf :jLs[t÷c:jLs[t ePsf] Joxf]/f pNn]v u/L ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)Æ sf] cg';"rL & adf]lhdsf] ljj/0f ;DalGwt cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfnfO{ pknAw u/fOg]5 / ;f]xL ljj/0f cg'?k cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?n] afF8kmfF8df gk/]sf] z]o/ afktsf] /sd ;DalGwt cfj]bssf] /f]Ssf /x]sf] a}+s vftf km's'jf u/L lkmtf{ ul/lbg]5 .

-u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Aofhb/ M

ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf,@)Æ k"0f{ ?kdf nfu' eO{;s]sf] ;Gbe{df of] Aoa:yf nfu' gx'g] .

-3_ lwtf]kq afF8kmfF8 tyf k|df0fkq hf/L ;DaGwL k|s[of / ;dofjlw M

o; ljj/0fkq dfkm{t ;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ adf]lhd ;fwf/0f z]o/sf] afF8kmfF8 u/] kZrft g]kfn :6s PS;r]Gh lnld6]8df ;"lrs/0f tyf l;l8P; P08 lSnol/Ë lnld6]8df btf{ eP kZrft cfj]bg kmf/ddf pknAw u/fPsf] lxtu|fxL vftfdf afF8kmfF8df k/]sf z]o/ hDdf÷ljt/0f ug]{ Aoa:yf ldnfOg]5 .

-ª_ lwtf]kq ;"lrs/0f e};s]sf] eP, To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kq sf/f]jf/ z'? x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug'{ kg]{ zt{x? ;DalGw ljj/0f M ;f] gePsf] .

-r_ lwtf]kq ;"lrs/0f e}O;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g, lgod cg';f/ ;xh v/Lb laqmL jf lalgdo x'g ;Sg] u/fpgsf] nflu ul/g] Aoa:yf ;DaGwL ljj/0f M

;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/ ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$Æ adf]lhd ;fwf/0f z]o/sf] afF8kmfF8 u/] kZrft g]kfn :6s PS;r]Gh lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df ;"lrs/0f / btf{ u/fO{ z]o/ vl/b laqmL tyf /fkm;fkmsf] nfu cfjZos Aoa:yf ldnfOg]5 .

-r_ k|Tofe"lt ;DaGwL ljj/0f M

-s_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M

o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] ztk|ltzt cyf{t $&,%%,))) lsQf ;fwf/0f z]o/sf] nflu ?=$&,%%,)),)))÷—/sd a/fa/sf] PgcfO{ljPn P; Soflk6n lnld6]8, nflhDkf6, sf7df08f}+}+åf/f k|Tofe'lt ;]jf k|bfg ul/Psf] 5 .

-v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo aF"bfx? M

o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] lwtf]kqsf] k|Tofe'ltstf{ ;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a'Fbfx? b]xfo adf]lhd /x]sf] 5 M

!= k|Tofe'ltstf{n] $&,%%,))) lsQf ;fwf/0f z]o/x?sf] nflu k|Tofe'lt ;]jf k|bfg u/]sf] 5 .

@= k|Tofe'ltstf{nfO{ k|Tofe'lt ;]jf k|bfg u/] afkt ljQLo ;+:yfn] ?=!,%),)))÷— e'QmfgL lbOg]5 .

#= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/df k|Tofe'ltstf{sf] bfloTj k|Tofe'ltt lsQf z]o/df dfq l;ldt x'g]5 .

$=o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/ k"0f{ ?kdf laqmL gePdf dfly pNn]lvt k|Tofe'ltt lsQf z]o/df l;ldt x'g] u/L k|Tofe'ltstf{n] vl/b ug]{ ;xdlt hgfPsf] 5 .

%=k|Tofe'lt ;Demf}tfkqsf] cjlw k|Tofe'ltstf{sf] bfloTj ;dfKt geP ;Dd x'g]5 .

^= o; ljj/0fkq cg';f/ hf/L ul/g] ;fwf/0f z]o/ k"0f{ ?kdf laqmL ePsf] v08df ;Demf}tfkq :jtM vf/]h x'g]5 .

&= k|Tofe'lt ;DalGw cGo Joj:yfx? k|rlnt sfg"g tyf k|Tofe'lt ;DaGwL ;Demf}tfdf pNn]v eP adf]lhd x'g]5 .

-5_ cfj]bg lb+bf Wofg lbg' kg]{ s'/fx? M

-s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M

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lwtf]kqjfnfx?sf] clwsf/ tyf k|ltaGwfTds Aoa:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kq vf/]hL cflb ;DalGwt Aoa:yf k|rlnt sfg"g adf]lhd x'g]5 . ;fy} nfefz+, xsk|b z]o/ cflb ;DaGwL ljj/0f ljQLo ;+:yfn] lgoldt ?kdf cfh{g ug]{ d'gfkmf tyf ljQLo ;+:yfsf] kF"hL of]hgf cg';f/ k|rlnt sfg"g adf]lhd ul/g]5 .

-v_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly lng] ePdf s'g u'0ffÍdf lng ;Sg] xf] ;f] ;DaGwL ljj/0f M

!=o; ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnL sfof{no ;do leq ljQLo ;+:yfsf] /lhi68{ sfof{no, e]/L–$, vn+uf, hfh/sf]6 / skf]{/]6 sfof{no, ag]kf –&, sfe|]knf~rf]s jf lwtf]kq lgisfzg tyf laqmL k|aGws ;flgdf Soflk6n lnld6]8sf] sfof{no, k'tnL;8s, sf7df08f}+df ;Dks{ /flv x]g{ jf k|fKt ug{ ;lsg]5 .

@=o; ljj/0fkq dfkm{t lgisfzg ul/g] ;fwf/0f z]o/sf] nflu b/vf:t lbFbf b/vf:tjfnfn] sDtLdf !) -bz_ lsQf ;fwf/0f z]o/sf] nflu b/vf:t lbg' kg]{5 . olb s'g} b/vf:tjfnfn] !) -bz_ lsQf eGbf a9L z]o/sf] nflu b/vf:t lbg rfx]df !) -bz_ c+ssf] u'0ffÍdf clwstd @)),))) -b'O{ nfv_ lsQf ;fwf/0f z]o/ vl/b ug{sf nflu b/vf:t lbg ;Sg]5 .

-u_ cfj]bg lb+bf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf] nflu gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxssf] kl/ro gDa/ / ;DalGwt Joj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t sf/f]af/ ul/g'kg]{ h:tf kIfx? M

!=s'g} klg g]kfnL gful/sn] o; ljj/0fkq dfkm{t hf/L ul/g] ;fwf/0f z]o/ vl/bsf nflu b/vf:t lbg ;Sg]5g .

@=cfj]bsn] l;—cf:jf k|0ffnLaf6 cfkm\gf] vftf /x]sf] a}+s tyf ljQLo ;+:yf dfkm{t dfq cfj]bg lbg' kg]{5 .

#=cfj]bsn] cfa]bg lbg' k"j{ cfkm\gf] vftf /x]sf] ;DalGwt a}+s tyf ljQLo ;+:yfdf uO{ ælwtf]kqsf] ;fj{hlgs lgisfzgsf] s]lGb|s[t ljB'lto ;]jf sfo{ ;~rfng lgb]{lzsf, @)&$Æ sf] cg';"rL $ adf]lhdsf] l;—cf:jf /lhi6«]zg kmf/d e/L CRN g+= lng' kg]{5 .

$=cfj]bssf] a}+s vftfdf ePsf] ljj/0f / cg';"rL $ df pNn]v u/]sf] ljj/0f ldNg'kg]{5 .

%=cfj]bsn] CRN g+= k|fKt u/]kZrft z]o/ vl/bsf nflu tf]lsPsf] 9fFrfdf ;DalGwt a}+s tyf ljQLo ;+:yfdf lwtf]kq vl/bsf nflu cfj]bg lbg' kg]{5 .

^=cfj]bsn] cfj]bgdf pNn]v u/]sf] lxtu|fxL kl/ro g+= / cGo ljj/0f l;—cf:jf ;km\6j]o/df /x]sf] cfj]bssf] lxtu|fxL vftf / cGo ljj/0f;Fu ?h' x'g' kg]{5 .

&=cfj]bsn] cfj]bg kmf/d a'emfpFbf b]xfosf s'/fx?df ljz]if Wofg lbO{ :ki6 ;Fu cfj]bg kmf/d e/L a'emfpg' kg]{5M

s= lwtf]kq lgisfzgstf{ sDkgLsf] gfd .

v= cfj]bssf] gfd, y/, 7]ufgf, gful/stf g+=, b:tvt, ;Dks{ kmf]g g+=,Od]n .

u= gfjfns / ljlIfKt AolQmsf] xsdf ;+/Ifssf] gfd, y/ / gftf .

3= vl/b ug{ rfx]sf] lwtf]kqsf] ;+Vof -c+s / cIf/df_ .

ª= vl/b ug{ rfx]sf] lwtf]kq afktsf] /sd -c+s / cIf/df_ .

r= cfj]bssf] vftf /x]sf] a}+s÷ljQLo ;+:yfsf] gfd, 7]ufgf, vftf g+= / vftfsf] lsl;d .

5= cfj]bssf] lxtu|fxL -l8Dof6_ vftf gDa/ .

*=cfa]bsn] cfj]bg lbFbf l;—cf:jf ;b:o a}+s÷ljQLo ;+:yfx?df /x]sf] cfj]bg afktsf] /sd /f]Ssf /flvg] vftf cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lgis[o (Dormant) /x]sf] x'gx'Fb}g .

(=cfj]bg lbPsf] /sd a/fa/sf] /sd vftfdf x'g' kg]{5 .

!)=Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] ;fwf/0f z]o/sf] nflu Ps eGbf a9L b/vf:t lbg] kfOg] 5}g . olb Ps JolQmsf] gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 .

!!= lwtf]kq vl/bsf nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 vl/b u/]sf] lwtf]kq afktsf] /sd e'QmfgL gx'Fb} k|rlnt sfg"g adf]lhd clwsf/ k|fKt clwsf/L jf lgosfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf laqmL k|aGwsn] To:tf] b/vf:t kmf/dnfO{ cfb]z adf]lhd ul/g]5 .

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!@= lwtf]kq afF8kmf6 ug'{k"j{ clVtof/ k|fKt lgsfoaf6 s'g} nufgLstf{sf] vftf /f]Ssf /fVg cfb]z jf lgb]{zg k|fKt ePdf ;DalGwt a}+s jf ljQLo ;+:yfn] To:tf] cfb]z jf lgb]{zg cg';f/ ;DalGwt nufgLstf{sf] vftf /f]Ssf u/L To;sf] hfgsf/L t'?Gt lgisfzg tyf laqmL k|aGwsnfO{ lbg'kg]{5 .

!#= l;l8P; P08 lSnol/Ë lnld6]8af6 pknAw u/fOPsf] æd]/f] z]o/Æ ;km\6j]o/af6 klg cfa]bsn] cfj]bg ug{ ;Sg]5g\ . To;sf nflu cfj]bsn] cfkm\gf] lxtu|fxL vftfdf a}+s vftfsf] ljj/0f pNn]v ul/;s]sf] x'g'kg]{5 / ;DalGwt a}+s tyf ljQLo ;+:yfaf6 CRN g+= lnO{;s]sf] x'g'kg]{5 .

!$=z]o/ afF8kmfF8 u/L ;"lrs/0f eP kZrft afF8kmfF8df k/]sf cfa]bsx?nfO{ afF8kmfF8df k/]sf] z]o/ gLhx?sf] lxtu|fxL vftfdf hDdf ug]{ Aoa:yf ul/g]5 .

!%=o; ljj/0fkq dfkm{t lgisfzg ul/g] z]o/sf nflu Go"gtd !) -bz_ lsQf tyf ;f] eGbf a9Lsf nflu !) -bz_ c+sn] efu hfg] ;+Vofdf clwstd @)),))) -b'O{ nfv_ lsQf ;Ddsf nflu cfj]bg lbg ;lsg]5 .

!^=?=% nfv ;Dd /sd a/fa/sf] cfj]bg ug]{ b/vf:tjfnfn] :j]lR5s ?kdf / ?=% nfv eGbf a9L /sd a/fa/sf] cfj]bg ug]{ b/vf:tjfnfn] clgjfo{ ?kdf Kofg (PAN No.) gDa/ b/vf:t kmf/ddf v'nfpg' kg]{5 .

!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ aif{sf] cjlwdf s'g} k|sf/sf] a:t'ut sf/f]jf/ ePsf] jf s'g} sf/f]jf/ ug{ k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg AolQmx?sf] gfd, ltgLx?sf] ;+ul7t ;+:yf ;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd M

-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] AolQm M ;f] gePsf] .

-v_ cfwf/e"t z]o/wgL M ;f] gePsf] .

-u_ v08 -s_ / -v_ df pNn]lvt s'g} AolQmsf] Psf3/ kl/jf/ ;b:o M ;f] gePsf] .

-3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L dtflwsf/ x'g] u/L z]o/ :jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M ;f] gePsf] .

-ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf gLhsf] Psf3/sf] kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # aif{ cufl8sf] cjlwdf ;+:yfsf] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] eP ;f] s'/f M;f] gePsf] .

-r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f ;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M ;f] gePsf] .

!@= ljb]zL nufgL / Aoa:yfkg ;DaGwL ljj/0f M ;f] gePsf] .

!#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M

-s_ ;+ul7t ;+:yfsf] ljut # cfly{s aif{sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]jf/ ePsf] z]o/ ;+Vof M ;f] gePsf] .

-v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf ^ dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd d"Nosf ;fy} k|To]s dlxgfdf sf/f]jf/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kq ;+Vof M ;f] gePsf] .

!$=kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M ;f] gePsf] .

!%=k/fdz{bftf÷ laz]if1 ;DaGwL ljj/0fM

-s_ n]vfkl/Ifs, k|d'v a}+s, lgisfzg sfo{ ;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf] gfd tyf 7]ufgf M

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n]vfkl/Ifs M o; ljQLo ;+:yfsf] cf=a=@)&%÷)&^ sf] n]vfkl/If0f s]=P=P; P08 Pzf]l;o6\;sf rf6{8{ PsfpG6]06 >L ljgo k|sfz >]i7n] ug'{ ePsf] xf] . ;fy} ljQLo ;+:yfsf] ldlt @)&^÷*÷@# ut] ;DkGg bf]>f] aflif{s ;fwf/0f ;efaf6 cf=a=@)&^÷)&& sf] n]vfkl/If0f ug{sf nflu s]=P=P; P08 Pzf]l;o6\;sf rf6{8{ PsfpG6]06 >L ljgo k|sfz >]i7nfO{ k'gM lgo'Qm ul/Psf] 5 .

ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ la1 M o; ljj/0fkqdf pNn]v ul/Psf] ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ la1df ljQLo ;+:yf cfkm} /x]sf] 5 .

ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f l7s 5 egL k|dfl0ft ug]{ la1 M o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ laz]if1df cfrfo{ ;'dg Pzf]l;P6\;sf rf6{8{ PsfpG6]06 >L ;'dg cfrfo{ x'g'x'G5 .

lgisfzg a}+s (Banker to the Issue) M ælwtf]kq vl/b -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)Æ k"0f{ ?kdf nfu' eO{;s]sf] ;Gbe{df of] Aoa:yf nfu' gx'g] .

-v_ dfly v08 -s_ df pNn]lvt ;+:yf jf AolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a'Fbf tyf zt{x? M

n]vfkl/Ifs M ;f] gePsf] .

lgisfzg a}+s (Banker to the Issue) M ;f] gePsf] .

!^= cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0fM ;f] gePsf] .

!&= d'2f tyf ljjfb ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f] ;DaGwL ljj/0f tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Aoj:yfkgsf] wf/0ffM ;f] gePsf] .

-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M;f] gePsf] .

-u_ ljut kfFr aif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;+rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd pNn]v ug'{ kg]{ M ;f] gePsf] .

-3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf] s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M ;f] gePsf] .

!*=u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M

lgisflzt lwtf]kq ;DaGwL nufgLstf{x?sf] u'gf;f] tyf ;'emfj ;'Gg tyf ;f] sf] ;dfwfgsf nflu lwtf]kq lgisfzg tyf laqmL k|aGws ;flgdf Soflk6n lnld6]8, k'tnL;8s, sf7df08f}+df Pp6f 5'§} sIfsf] Aoa:yf ul/Psf] 5 . s'g} klg nufgLstf{n] o; lgisfzg ;Fu ;DalGwt laifodf s'g} u'gf;f] jf ;'emfjsf nflu lgod kfngf clws[t >LdtL /ZdL l/hfnnfO{ lghs} sfo{sIfdf jf lghnfO{ sfof{no ;doleq $@@(!@$ -PS;6]G;g @@*_ df ;Dks{ ug{ ;lsg]5 .

!(=gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] AolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf ;DalGw ljj/0f, lgisfzg ul/Psf] lwtf]kq ;+Vof / b/ ;DalGw ljj/0f M ;f] gePsf] .

@)= C0fkq lgisfzg ;DaGwL ljj/0f M xfn;Dd ljQLo ;+:yfn] s'g} C0fkq hf/L ul/Psf] 5}g .

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@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL ljj/0f M xfn;Dd ljQLo ;+:yfn] cu|flwsf/ z]o/ hf/L ul/Psf] 5}g .

@@=cGo ;fdfGo hfgsf/L M

-s_ ljz]if1sf] s'g} /fo ePdf ;f] sf] ljj/0fM

o; ljj/0fkqdf pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x