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The Bank We Trust

(၂၉)

၂၀၂၀ (၂၇) ( )

- 1 -

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bPfzGifhvSpfcJhonfhoufwrf;rSm (29)ESpfwGif;odkUa&muf&SdcJhNyDjzpfygonf/'g&dkufwmtzGJUrS tpk&S,f,m&Sifrsm;udk

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2019-2020b@ma&;ESpfbPfvkyfief;tajctae2019-2020b@ma&;ESpfbPfvkyfief;tajctae2019-2020b@ma&;ESpfbPfvkyfief;tajctae2019-2020b@ma&;ESpfbPfvkyfief;tajctae2019-2020b@ma&;ESpfbPfvkyfief;tajctae

2018-2019b@ma&;ESpfukef(30-9-2019)aeYwGif tyfaiGpkpkaygif;rSm usyf 205ç519.35oef;usyf 205ç519.35oef;usyf 205ç519.35oef;usyf 205ç519.35oef;usyf 205ç519.35oef;

&SdNyD;2019-2020 b@ma&;ESpfukef(30-9-2020)aeYwGif usyf 180ç610.51oef;usyf 180ç610.51oef;usyf 180ç610.51oef;usyf 180ç610.51oef;usyf 180ç610.51oef; &SdcJYojzifh (12.12%)(12.12%)(12.12%)(12.12%)(12.12%)

avsmhenf;cJhygonf/ acs;aiGESifhpm&if;ydkxkwfacs;aiGrSm usyf 179ç397.79oef;usyf 179ç397.79oef;usyf 179ç397.79oef;usyf 179ç397.79oef;usyf 179ç397.79oef; rS usyf141ç077.81oef;usyf141ç077.81oef;usyf141ç077.81oef;usyf141ç077.81oef;usyf141ç077.81oef;

&Sdojzifh (21.36%)(21.36%)(21.36%)(21.36%)(21.36%)avsmhenf;ygonf/ tom;wiftjrwfrSm2018-2019b@ma&;ESpf (30-9-2019)aeUwGif

usy f7ç744.57oef;usy f7ç744.57oef;usy f7ç744.57oef;usy f7ç744.57oef;usy f7ç744.57oef;&&S dc J h Ny D ;2019-2020b@ma&;ESp f(30-9-2020)aeYwGi f usy f5ç085.23oef;usy f5ç085.23oef;usy f5ç085.23oef;usy f5ç085.23oef;usy f5ç085.23oef;

&&SdcJ hojzifh (34.34%)(34.34%)(34.34%)(34.34%)(34.34%)avsmhenf;cJ hygonf/ bPfvkyfief;tajctaersm;EI dif;,SOfcsufudk Z,m;(1)wGif

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Z,m;Z,m;Z,m;Z,m;Z,m; ----- 11111 - - - - -

bPfvkyfief;tajctaersm; EIdif;,SOfcsuf bPfvkyfief;tajctaersm; EIdif;,SOfcsuf bPfvkyfief;tajctaersm; EIdif;,SOfcsuf bPfvkyfief;tajctaersm; EIdif;,SOfcsuf bPfvkyfief;tajctaersm; EIdif;,SOfcsuftaMumif;t&mtaMumif;t&mtaMumif;t&mtaMumif;t&mtaMumif;t&m 2018-2019 2019-2020 jcm;em;csuf2018-2019 2019-2020 jcm;em;csuf2018-2019 2019-2020 jcm;em;csuf2018-2019 2019-2020 jcm;em;csuf2018-2019 2019-2020 jcm;em;csuf

30-9-2019) 30-9-2019) 30-9-2019) 30-9-2019) 30-9-2019) (30-9-2020) (30-9-2020) (30-9-2020) (30-9-2020) (30-9-2020)

1/ bPftyfaiG (usyfoef;) 205ç519.35 180ç610.51 -12.12%

2/ acs;aiGESifhpm&if;ydkxkwfaiGrsm; (usyfoef;) 179ç397.79 141ç077.81 -21.36%

3/ tom;wiftjrwf (usyfoef;) 7ç744.57 5ç085.23 -34.34%

4/ tjrwfcGef (usyfoef;) 1ç548.91 1ç017.05 -34.34%

5/ rcGJa0&ao;onfh

tjrwfvufusef (usyfoef;) 6ç528.49 3ç983.86 -2ç544.63

6/ tpk&S,f,mta&twGuf (tpk) 2ç472ç053 2ç472ç053 -

7/ tpk&S,f,ma&mif;&aiG (usyfoef;) 24ç720.53 24ç720.53 -

8/ tpk&S,f,m&SifOD;a& (OD;a&) 8ç375 8ç330 -45

9/ tpk&S,f,mwpfpkwefzdk; (usyf) 25ç286.35 24ç349.25 -937.10

10/&Hk;csKyf^bPfcGJrsm; (cka&) 35 36 1

11/0efxrf;OD;a& (OD;a&) 644 622 -22a,muf

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- 2 -

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(1-7-2005)aeYwGifusyfoef; 5ç000? usyfoef; 5ç000? usyfoef; 5ç000? usyfoef; 5ç000? usyfoef; 5ç000? (7-1-2008)aeYwGifusyfoef;10ç000? usyfoef;10ç000? usyfoef;10ç000? usyfoef;10ç000? usyfoef;10ç000? (21-1-2011)aeYwGif

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Special Account wGif tpk&Sif( 6ç349)OD;(76%)( 6ç349)OD;(76%)( 6ç349)OD;(76%)( 6ç349)OD;(76%)( 6ç349)OD;(76%) tpk&S,f,mta&twGuf(1ç392ç698)pk(1ç392ç698)pk(1ç392ç698)pk(1ç392ç698)pk(1ç392ç698)pkESifh &efukefpawmh

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- 3 -

Z,m; - 2 -(30-9-2020)aeY&Sd tpk&S,f,m&Sifrsm;\&S,f,mydkifqdkifrSKtcsdK;tpm;

&S,f,mtkyfpk Special A/C Securities A/C Total %1/ 1-10 3ç563 631 4ç194 50.35

2/ 11-50 1ç637 567 2ç204 26.46

3/ 51-100 338 203 541 6.49

4/ 101-500 489 342 831 9.98

5/ 501-1000 106 77 183 2.20

6/ 1001-3000 135 99 234 2.81

7/ 3001-10000 58 36 94 1.13

8/ 10001-30000 20 21 41 .49

9/ 30001ESifhtxuf 3 5 8 .10

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Z,m; - 3 - (30-9-2020)aeY&Sdtpk&S,f,mtrsm;qHk;ydkifqdkifol(10)OD;pm&if; (30-9-2020)aeY&Sdtpk&S,f,mtrsm;qHk;ydkifqdkifol(10)OD;pm&if; (30-9-2020)aeY&Sdtpk&S,f,mtrsm;qHk;ydkifqdkifol(10)OD;pm&if; (30-9-2020)aeY&Sdtpk&S,f,mtrsm;qHk;ydkifqdkifol(10)OD;pm&if; (30-9-2020)aeY&Sdtpk&S,f,mtrsm;qHk;ydkifqdkifol(10)OD;pm&if;

trnf tpk&S,f,mta&twGuftrnf tpk&S,f,mta&twGuftrnf tpk&S,f,mta&twGuftrnf tpk&S,f,mta&twGuftrnf tpk&S,f,mta&twGuf &mcdkifESKef;&mcdkifESKef;&mcdkifESKef;&mcdkifESKef;&mcdkifESKef;

1/ OD;atmifrdk;ausmf 106ç422 4.31%

2/ a':rmrmxGef; 89ç615 3.63%

3/ a':a&Tpif 84ç904 3.43%

4/ OD;armifarmifodef; 64ç671 2.62%

5/ OD;aevif;OD; 63ç160 2.55%

6/ a'gufwmpdefarmif 40ç707 1.65%

7/ OD;vD*sD*Ref; 39ç788 1.61%

8/ OD;xGef;0if;edkif 37ç414 1.51%

9/ OD;cifarmifaz 30ç000 1.21%

10/OD;pdkif;armifjrifh 29ç548 1.20%

pkpkaygif;pkpkaygif;pkpkaygif;pkpkaygif;pkpkaygif; 586ç229 586ç229 586ç229 586ç229 586ç229 23.71% 23.71% 23.71% 23.71% 23.71%

(30-9-2020) aeY&Sd tpk&S,f,mtrsm;qHk;ydkifqdkifxm;ol(10)OD;\tpk&S,f,mydkifqdkifrSKrSm tpk&S,f,m

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(30-9-2020)aeY &Sd'g½dkufwmtzGJU0ifrsm;\tpk&S,f,mydkifqdkifrIESifh(1-10-2019)rS(30-9-2020)

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- 4 -

Z,m; - 4 - (30-9-2020)aeY&S d'g½d kufwmtzGJU0ifrsm;\tpk&S,f,mydkifqdkifrIpm&if; (30-9-2020)aeY&S d'g½d kufwmtzGJU0ifrsm;\tpk&S,f,mydkifqdkifrIpm&if; (30-9-2020)aeY&S d'g½d kufwmtzGJU0ifrsm;\tpk&S,f,mydkifqdkifrIpm&if; (30-9-2020)aeY&S d'g½d kufwmtzGJU0ifrsm;\tpk&S,f,mydkifqdkifrIpm&if; (30-9-2020)aeY&S d'g½d kufwmtzGJU0ifrsm;\tpk&S,f,mydkifqdkifrIpm&if;

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2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae2019-2020b@ma&;ESpf t&SHk; tjrwftajctae (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd) (1-10-2019aeYrS30-9-2020aeYxd)

2019-2020b@ma&;ESpfwGif &aiGpkpkaygif;rSm usyffusyffusyffusyffusyff2020202020ç252.25252.25252.25252.25252.25oef;oef;oef;oef;oef;&SdNyD; 2018-2019b@ma&;ESpf

wGif usyusyusyusyusyf26f26f26f26f26ç235.10235.10235.10235.10235.10oef;oef;oef;oef;oef; &Sdygonf/ &aiGpkpkaygif;rSm(22.80%)(22.80%)(22.80%)(22.80%)(22.80%)avsmhenf;cJhygonf/ &aiGrsm;avsmhenf;ouJh

odkY twdk;p&dwftygt0iftoHk;p&dwfrsm;rSmvnf; avsmhenf;cJhygonf/ 2019-2020b@ma&;ESpfwGif toHk;p&dwf

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p&dwfpkpkaygif;rSm(17.97%)avsmhenf;(17.97%)avsmhenf;(17.97%)avsmhenf;(17.97%)avsmhenf;(17.97%)avsmhenf;ukefuscJhygonf/ 2019-2020b@ma&; ESpfwGiftcGefrEIwfrDtjrwfrSm

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tom;wiftjrwfrSmusyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)usyf2659.34oef;(34.34%)avsmhenf;cJ hygonf/

t&SHk;tjrwfEIdif;,SOfcsufudkZ,m;( 5 )wGifazmfjyxm;ygonf/

Z,m; - 5 - Z,m; - 5 - Z,m; - 5 - Z,m; - 5 - Z,m; - 5 - 2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf2018-2019ESifh2019-2020b@ma&;ESpft½IH;-tjrwfEdIif;,SOfcsuf

( usyfoef; ) taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020taMumif;t&m 2018-2019 2019-2020 &mcdkifEIef; &mcdkifEIef; &mcdkifEIef; &mcdkifEIef; &mcdkifEIef;&aiG&aiG&aiG&aiG&aiG

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toHk;p&dwftoHk;p&dwftoHk;p&dwftoHk;p&dwftoHk;p&dwftwdk;p&dwf 14ç821.02 11ç576.67 -21.89vkyfief;ukefusp&dwf 3ç669.51 3ç590.35 -2.16toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif;toHk;p&dwfpkpkaygif; 1818181818ç490.53490.53490.53490.53490.53 1515151515ç167.02167.02167.02167.02167.02 -17.9717.9717.9717.9717.97

tcGefrEIwfrDtjrwftcGefrEIwfrDtjrwftcGefrEIwfrDtjrwftcGefrEIwfrDtjrwftcGefrEIwfrDtjrwf 77777ç744.57744.57744.57744.57744.57 55555ç085.23085.23085.23085.23085.23 -34.34-34.34-34.34-34.34-34.34

- 5 -

tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;ajymif;vJvmjcif;tpk&Sifrsm;\&ydkifcGifhrsm;rSm(30-9-2019)aeYwGif usyf62usyf62usyf62usyf62usyf62ç509.20oef;509.20oef;509.20oef;509.20oef;509.20oef;&SdNyD;? (30-9-2020)aeYwGif

usyf60usyf60usyf60usyf60usyf60ç194.75oef;194.75oef;194.75oef;194.75oef;194.75oef;&SdaomaMumifh(-3.70%) (-3.70%) (-3.70%) (-3.70%) (-3.70%) avsmhenf;cJhygonf/ tpkwpfpkwefzdk;(Value per share)rSm

vnf;(30-9-2019)aeYwGifusyf25usyf25usyf25usyf25usyf25ç286286286286286rS(30-9-2020)aeYwGifusyf24usyf24usyf24usyf24usyf24ç350350350350350om&SdcJ hojzif htpkwpfpkvQif

usyf 936 usyf 936 usyf 936 usyf 936 usyf 936 avsmhcJYygonf/

tpk&Sifrsm;\&ydkifcGifhrsm;udk Z,m;( 6 )wGifESdKif;,SOfazmfjyxm;ygonf/

Z,m; - 6 - Z,m; - 6 - Z,m; - 6 - Z,m; - 6 - Z,m; - 6 - tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm; tpk&Sifrsm;\&ydkifcGifhrsm;

(usyf oef;)(usyf oef;)(usyf oef;)(usyf oef;)(usyf oef;)

2018-20192018-20192018-20192018-20192018-2019 2019-20202019-20202019-20202019-20202019-2020

1/ xnfh0ifNyD;rwnfaiG&if; 24ç720.53 24ç720.53

2/ &S,f,my&DrD,H 11ç845.88 11ç845.88

3/ taxGaxGoD;oefY&efyHkaiG 15ç695.20 16ç712.25

4/ aMuG;qHk;&efyHkaiG 3ç608.43 2ç821.56

5/ ta&;ay:oD;oefY&efyHkaiG 102.56 102.56

6/ tjcm;&efyHkaiGrsm; 8.12 8.12

7/ rcGJa0&ao;onfhtjrwfvufusef 6ç528.49 3ç983.85

tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif;tpk&Sifrsm;\&ydkifcGif hpkpkaygif; 62 62 62 62 62ç509.20509.20509.20509.20509.20 60 60 60 60 60ç194.75194.75194.75194.75194.75

tpkwpfpkwefzdk;tpkwpfpkwefzdk;tpkwpfpkwefzdk;tpkwpfpkwefzdk;tpkwpfpkwefzdk;(Book value per share)usyfusyfusyfusyfusyf 2525252525ç286286286286286 24 24 24 24 24ç350350350350350

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2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;2019-2020 b@ma&;ESpf tjrwfaiGrsm;udkcG Ja0vsmxm;jcif;

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1/ EdkifiHawmfodkY tjrwfcGef (20%) usyf 1ç017.05oef;

2/ taxGaxGoD;oefY&efyHkaiG (25%) usyf 1ç017.05oef;

3/ rcGJa0&ao;onfhtjrwfvufusef usyf 3ç051.13oef;

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2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;2019-2020 b@ma&;ESpffb@ma&;tcsdK;rsm;

2018-2019b@ma&;ESpfESifh 2019-2020b@ma&;ESpftwGuf b@ma&;tcsdK;rsm;EdSKif;,SOfcsufudk

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- 6 -

Z,m; - 7 - Z,m; - 7 - Z,m; - 7 - Z,m; - 7 - Z,m; - 7 -

b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf b@ma&;tcsdK;rsm;EdIif;,SOfcsuf 2018-2019 2019-2020

1/ aiGaMu;vG,fulrItcsdK; 33.85% 45.07%

2/ rwnfaiG&if;vHkavmufrItcsdK;(Tier-1) 23.16% 34.35%

3/ rwnfaiG&if;vHkavmufrItcsdK;(Tier-1+2) 24.41% 35.60%

4/ aiGa&;aMu;a&;cdkifrmrItcsdK; 1.28 ; 1 1.31 ; 1

5/ tpk&Sifrsm;xnfh0ifaiGay:jyef&csuf

tcGefrEIwfrD 31.33% 20.57%

tcGefEIwfjyD; 25.06% 16.46%

6/ tpk&Sifrsm;\cHpm;cGifhtcsdK; 2.53 ; 1 2.44 ; 1

7/ pkpkaygif;&ydkifcGifhay:tjrwfjyef&ESKef; 2.14% 1.60%

8/ aps;ESkef;ESifh0ifaiGtcsdK;(PE)ratio 10.37 13.67

9/ tpkwpfpkay:jyef&csuf (EPS)(usyf) 2ç506.28 1ç645.67

10/ tpkwpfpkwefzdk; (usyf) (Book Value)* 25ç286 24ç350

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2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;2019-2020b@ma&;ESpftjrwfa0pkcG Ja0ay;&efvsmxm;jcif;

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ay;&efvsmxm;aiGrSm usyf3ç051.14oef; jzpfygonf/ (30-9-2020)aeYwGifrcGJ&ao;onfhtjrwfvufusef

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xm;NyD;jzpfygonf/ (27-9-2019)aeYwGifusif;yonfh 9^2019Mudrfajrmuf 'g&kdufwmtzGJ Ytpnf;ta0;rS

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Record date (6-10-2020)aeY)&Sd tpk&S,f,mydkifqdkifxm;olrsm;udktjrwfa0pkcGJa0ay;rnfjzpfaMumif; qHk;jzwf

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EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;EdkifiHawmfodk Y0ifaiGcGefrsm;xrf;aqmifjcif;

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2019-2020 b@ma&;ESpfwGiftcGefrEIwfrSDtom;wiftjrwfrSm usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;usyf5ç085.23oef;&&SdcJ hNyD; 0ifaiGcGef

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Z,m; - 8 -Z,m; - 8 -Z,m; - 8 -Z,m; - 8 -Z,m; - 8 -

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2/ 2013-2014 8ç048 2ç011 4ç000

3/ 2014-2015 8ç762 2ç189 4ç410

4/ 2015-2016 8ç549 2ç137 4ç320

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- 10 -

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ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/ESp fzufMurf;cif;aps;wif&ef jzpfygonf/8/ OD;0if;armif(rauG;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sdusyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;usyf156.96 oef;jzpfNyD; rauG;

c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/c½d kifw&m;½H k;wGifw&m;rBuD;rSKtrSwf(41^2020)jzif hw&m;pG Jqd kxm;&myrPmr'Du&D&&S d NyD;jzpfygonf/9/ OD;pdkif;atmif(awmifBuD;)xHrS acs;aiGt&if;twdk;pkpkaygif;bPfrS&&ef&Sd usyf724.97oef;usyf724.97oef;usyf724.97oef;usyf724.97oef;usyf724.97oef; jzpfNyD;

awmifBuD;c&dkifw&m;&Hk;wGifw&m;rBuD;rSKtrSwf(36^2018)jzifhw&m;pGJqdkxm;&m tNyD;owftEdkif'Du&DusNyD;

Zm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfZm&DrS KzGif haqmif&Gufxm;qJjzpfygonf/10/ a':pef;,OfeK(awmifBuD;)xHrSacs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf 91.00oef;usyf 91.00oef;usyf 91.00oef;usyf 91.00oef;usyf 91.00oef;jzpfNyD;

awmifBuD;c&dkifw&m;&Hk;wGifw&m;rBuD;rSKtrSwf(132^2019)jzifhw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJw&m;pG Jqdkxm;&m avvHwifa&mif;csqJ

jzpfygonf/jzpfygonf/jzpfygonf/jzpfygonf/jzpfygonf/11/ OD;odef;xGef;(awmifBuD;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf234.31 oef;jzpfNyD;

awmifMuD;c½dkifw&m;½Hk;wGifw&m;rBuD;rSKtrSwf(41^2020)jzifhw&m;pGJqdkxm;&m yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;jzpfygonf/12/ OD;pHaiG(awmifMuD;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf204.40 oef;jzpfjyD; awmifBuD;

c½dkifw&m;½Hk;wGifw&m;rBuD;rSKtrSwf(107^2020)jzifhw&m;pGJqdkxm;&m yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;yPmr'Du&D&&SdNyD;jzpfygonf/13/ OD;jrwfbkef;&Sdef(awmifBuD;)xHrS acs;aiGt&if;? twdk; pkpkaygif;&&ef&Sd usyf54.52 oef;jzpfNyD;

awmifBuD;c½dkifw&m;½Hk;wGifw&m;rBuD;rSKtrSwf(108^2020)jzifhw&m;pGJqdkxm;&myPmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;Pmr'Du&D&&SdNyD;jzpfygonf/14/ OD;apmodef;a&T(bm;tH)xHrS acs;aiGt&if;? twdk;pkpkaygif;&&ef&S d usyf214.14oef;jzpfNyD;

bm;tHc½dkifw&m;½Hk;wGifw&m;rBuD;rSK trSwf(49^2019)jzifhw&m;pGJqdkxm;&m avvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGufavvHwifa&mif;cs&eftwGuf

avvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&eavvHMurf;cif;aps;wif&efjzpfygonf/15/ OD;armifarmif? a':cifapmodkuf(rHk&Gm)xHrSacs;aiGt&if;? twdk;pkpkaygif;&&ef&Sd usyf 1567.86oef;

jzpfNyD; ppfudkif;wdkif;a'oBuD;? w&m;vTwfawmfw&m;&Hk;? rHk&GmNrdKUwGifw&m;rBuD;rSKtrSwf(3^2020) jzifhw&m;pGJqdkxm;&m w&m;½Hk;rS trSKwGJvufcHxm;NyD;w&m;NydKifrsm;vm&efcsdef;qdkxm;ygonf/

acs;aiGa<u;usefacs;aiGa<u;usefacs;aiGa<u;usefacs;aiGa<u;usefacs;aiGa<u;usef(NPL)rsm;tajctae2018-2019b@ma&;ESpfESifhEdIif;,SOfvQifacs;aiGa<u;usefrSm usyf9ç965.86oef;rSusyf11ç323.22oef;xd

wdk;cJhygonf/ t"dutaMumif;&if;rSm urÇmhuyfa&m*g(Coronavirus Covid-19)jzpfay:aeojzifh pD;yGm;a&;

vkyfief;rsm;usqif;oGm;jcif;aMumifhjzpfygonf/

- 11 -

Z,m; - 12 - Z,m; - 12 - Z,m; - 12 - Z,m; - 12 - Z,m; - 12 - acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;acs;aiGaMuG;usefpm&if;(NPL)

vlOD;a&vlOD;a&vlOD;a&vlOD;a&vlOD;a& aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf aMuG;useftrsdK;tpm; aMuG;usefacs;aiG &mcdkifESkef; ta&;,laqmif&Guf

yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae yrmP(usyfoef;) xm;rItajctae

(u)vlyk*¾dKvf

19 a<u;qHk;(Loss) 11ç143.22 7.90 w&m;&HkwGifw&m;

pGJqdkxm;ygonf/

(c)vlyk*¾dKvf

2 (Doubtful) 180.00 0.13 w&m;pGJqdk&efpDpOf

aeygonf/

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*Old Classification 7.907.907.907.907.90

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twGuftmrcHvHkavmufpGm&,lxm;jcif;? w&m;&Hk;wGifw&m;pGJqdkxm;jcif;? 'g&dkufwmrsm;ESifh bPfcGJBuD;Muyfa&;

aumfrwDrsm;rS rsufajcrjywfacs;aiGjyefvnf&&Sd&ef BudK;pm;aqmif&GufvQuf&Sdjcif;wdkYaMumifhjzpfygonf/

odkU&mwGif acs;aiGqHk;&SHK;Edkifajctvm;tvm ( Probability of Default ) udk cefYrSef;wGufcsufMunfh&mwGif

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EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;EdkifiHjcm;bPfvkyfief;(Foreign Banking)Ed kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpifEd kifiHjcm;aiGrsm;0,f,la&mif;csvJvS,fay;cGif hvd kifpif^tjynfjynfqdkif&mbPfvkyfief;vdkifpif

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xm;ygonf/ jrefrmEdkifiHawmfA[dkbPfrSvdkifpiftrSwfpDbDtrf-tufzftD;trf'D-93^2012(24-8-2012)aepGJUjzifh

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pmtrSwf-2455^ 1587-uu ^2012-2013(2-10-2012)aeYpGJjzifhaqmif&GufcGifh&&SdcJYJ Yí &efukef&Hk;csKyfwGif

(2-10-2012)aeYrSpí edkifiHjcm;bPfvkyfief;^tjynfjynfqdkif&mbPfvkyfief;udk 0efaqmifrSKay;vQuf&Sdygonf/

Western Union ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;ESif hEd kifiHjcm;aiGvTJvkyfief;csdwfqufaqmif&Gufjcif;yxryk*¾vdubPfESifhtar&duefEdkifiHtajcpdkuf Western Union Money Transfer Service wdkYcsdwfqufí

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aqmif&Gufay;vQuf&Sdygonf/ jrefrmEdkifiHawmfA[dkbPfrS(6-1-2016)aeYpGJjzifh jrefrmEdkifiHrS jynfyodkYEdkifiHjcm;

aiGvTJvkyfief;(Outbound Service)udk xyfrHcGifhjyKcJhonhftwGuf jrefrmEdkifiHrS jynfyEdkifiHrsm;odkYEdkifiHjcm; aiGvTJ

ay;ydkYjcif;vkyfief;udk 0efaqmifrSkay;vQuf&Sdygonf/ 2019-2020b@ma&;ESpfwGi fWestern Union EdkifiHjcm;aiGvTJ

vkyfief;rS&&Sdonfh0ifaiGrSm usyf207.01oef;usyf207.01oef;usyf207.01oef;usyf207.01oef;usyf207.01oef;&&SdcJhojzifh 2018-2019b@ma&;ESpfxuf(13.52%)(13.52%)(13.52%)(13.52%)(13.52%) wdk;wuf

&&SdcJhygonf/

- 12 -

2019-2020 b@ma&;ESpfwGif EdkifiHjcm;bPfvkyfief;rS&&Sdonfh0ifaiGrSm usyf276.17oef; usyf276.17oef; usyf276.17oef; usyf276.17oef; usyf276.17oef; &&SdcJhyg

onf/ 2018-2019ESpfESifh2019-2020b@ma&;ESpf EdkifiHjcm;bPfvkyfief;rS0ifaiGrsm;ESdKif;,SOfcsufudk Z,m;(13)

wGifazmfjyxm;ygonf/ EdkifiHjcm;bPfvkyfief;rS 0ifaiGusqif;vm&jcif;\ t"dutaMumif;rsm;rSm Covid-19oufa&mufrIaMumifh ydkYukef-oGif;ukef aiGay;acsrIusqif;vmjcif;ESifh a':vm^usyfaiGvJvS,fEIef;usqif;vmjcif;

ponfwdkYjzpfygonf/

Z,m; - 13 -Z,m; - 13 -Z,m; - 13 -Z,m; - 13 -Z,m; - 13 -EdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctaeEdkifiHjcm;bPfvkyfief;rS&&SdonfU0ifaiGrsm;tajctae

(usyf oef;) (usyf oef;) (usyf oef;) (usyf oef;) (usyf oef;)0ifaiG0ifaiG0ifaiG0ifaiG0ifaiG 2018-20192018-20192018-20192018-20192018-2019 2019-2020 2019-2020 2019-2020 2019-2020 2019-2020 &mcdkifESkef; &mcdkifESkef; &mcdkifESkef; &mcdkifESkef; &mcdkifESkef;

1/ EdkifiHjcm;bPf0efaqmifrSKvkyfief; 70.96 46.50 -34.47 2/ Western Union EdkifiHjcm;aiGvTJvkyfief; 182.35 207.01 13.52 3/ EdkifiHjcm;aiGvJvS,fa&;vkyfief; 29.47 19.97 -32.24 4/ pm&if;ajymif;a&mif;&aiG 468.19 2.69 -99.43

pkpkaygif;0ifaiGpkpkaygif;0ifaiGpkpkaygif;0ifaiGpkpkaygif;0ifaiGpkpkaygif;0ifaiG 750.97 750.97 750.97 750.97 750.97 276.17276.17276.17276.17276.17 -63.22-63.22-63.22-63.22-63.22

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pm&if;0if&efqHk;jzwfcJhNyD; (8-12-2015)aeYuavQmufxm;cJhygonf/ &efukefpawmhtdyfcsdef;wGif (20-1-2017)

aeYrSpNyD; yxryk*¾vdubPftpk&S,f,mrsm;udk ta&mif;t0,fjyKvkyfcJhygonf/

- 13 -

(30-9-2020)aeY&efukefpawmhtdyfcsdef;(YSX)wGiff yxryk*¾vdubPf&S,f,mwpfpkvQif usyf22500usyf22500usyf22500usyf22500usyf22500

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Digital Banking taumiftxnfaz:rItajctaetaumiftxnfaz:rItajctaetaumiftxnfaz:rItajctaetaumiftxnfaz:rItajctaetaumiftxnfaz:rItajctae

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vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; vkyfief;vrf;nTefrsm; ( Hand Book) jyKpkjcif;jyKpkjcif;jyKpkjcif;jyKpkjcif;jyKpkjcif;

No. Document Prepared Role or Importance of the Document

1 Product & Service Guide This document serves as a checklist for verifying the core banking system chosen supports all existing bank products and services.

2 COA Design Document

This document is necessary to create the general ledger accounts in not only bank’s core banking system but also in bank’s enterprise ledger or enterprise accounting information system.

3. Regulatory Reporting Guide for Accounting Dept. Proper regulatory reporting guides are essential to automate

the labour intensive, manual process of preparing regulatory reports for CBM and other organizations.

4. Regulatory Reporting Guide for Foreign Banking Dept.

5. Regulatory Reporting Guide for Loan Dept.

6. Accounting Guide for Cash Deposit Transactions.

These accounting guides are necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. Each guide covers same currency & cross-Currency home Branch, inter-branch, and inter-bank transactions These are transactions that a modern bank must routinely perform.

7 Account Guide for Cash Withdrawal Transactions.

8 Account Guide for Account Transfer Transactions.

9

Accounting Guide for Cashing, Depositing & Clearing Cheques

This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers intra-bank and inter-bank cheque clearing transactions.

10

Accounting Guide for Issuing, Depositing & Clearing Payment Orders

This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers intra-bank and inter-bank payment order clearing transactions.

11 Accounting Guide for Domestic Intra-Bank and Inter-Bank Remittance

This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers domestic intra-bank and inter-bank remittance transactions.

12

Accounting Guide for International Remittance

This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers international retail remittance transactions (both inbound and outbound) in partnership with Western Union.

13

Accounting Guide for Foreign Currency Transactions Including FX Trading

This accounting guide is necessary for effectively testing the core banking system and serve as a quality curriculum for training our bank staff. It covers the accounting for all of bank’s current foreign currency transactions in accordance with relevant international accounting standard, IAS 21 (The Effects of Changes in Foreign Exchange Rates).

- 14 -

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Enterprise Network Infrastructure Project Status for all Branches

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No. City/Town MW/Fiber/Data Trunking1 Head Office Fiber (Done)2 YGN-Bayintnaung MW (Done)3 YGN-Theingyizay Fiber (Done)4 YGN-Latha Fiber (Done)5 YGN-Thiriyatanar Fiber (Done)6 YGN-Ahlon Fiber (Done)7 Mandalay (zaycho) Fiber (Done)8 Mandalay( 30 St) Fiber (Done)9 Naypyitaw MW (Done)

10 Monywa-1(zay st) MW (Done)11 Monywa-2(new) MW (Done)12 Pakokku MW (Done)13 Magway MW (Done)14 Dawei MW (Done)15 Kamma MW (Done)16 Kawthoung MW (Done)17 Kaukpadaung MW (Done)18 Minhla MW (Done)

No. City/Town MW/Fiber/Data Trunking19 Myaing MW (Done)20 Aung Pan MW (Done)21 Taunggyi Fiber (Done)22 Kale MW (Done)23 Pathein MW (Done)24 Tedim MW (Done)25 Shwe Bo MW (Done)26 Gangaw MW (Done)27 Myikyina Fiber (Done)28 Loikaw Fiber (Done)29 Hinthada MW (In Progress) (Done)30 Maubin MW (In Progress) (Done)31 Hpa-An MW (Done) 32 Myawaddy Fiber (On Going Testing)/(Done)33 Myeik Fiber (In Progress)34 Malamyine Fiber (In Progress)35 Pyay MW (Done)36 Budalin MW (Done)/(In Progress)

- 15 -

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- 16 -

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- 17 -

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- 18 -

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