l;4fy{ a}+s lnld6]8 siddhartha bank limited kmf]g g+ · sdkgl p]g, @)^# cgtu{t ;+:yflkt / ;+rflnt...

$: l;4fy{ a}+s lnld6]8 Siddhartha Bank Limited kmf]g g+ · sDkgL P]g, @)^# cGtu{t ;+:yflkt / ;+rflnt Pj+ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ ljQLo Joj;fo ug{ Ohfhtkqk|fKt g]kfn$
sDkgL P]g, @)^# cGtu{t ;+:yflkt / ;+rflnt Pj+ a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ ljQLo Joj;fo ug{ Ohfhtkqk|fKt

g]kfn /fi6« a}+s af6 æsÆ ju{sf] Ohfhtkqk|fKt ;+:yf

l;4fy{ a}+s lnld6]8 Siddhartha Bank Limited

/lhi68{÷s]lGb|o sfof{no— xfQL;f/, sf7df8f}+, g]kfn kmf]g g+= (&&–)!—$$$@(!(, $$$@(@), ˆofS; g+= )!—$$$@(@!

Email: [email protected], web site: www.siddharthabank.com -lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_

sf] & jif{ cjlw tyf jflif{s !)=@% k|ltzt Aofhb/ ePsf] æ!)=@%Ü P;=la=Pn l8a]Gr/ @)*#Æ sf]

ljj/0fkq ;ft jif{ cjlw tyf jflif{s !)=@% k|ltzt Aofhb/ ePsf] ?= @ ca{ %) s/f]8 a/fa/sf] k|lt l8a]Gr/ ?= !,)))÷— c+lst d"Nosf @%,)),))) lsQf dWo] !% nfv lsQf l8a]Gr/n] x'g cfpg] s"n ? ! ca{ %) s/f]8 C0fk"FhL /sd kl/kq ljlw -Private Placement_ af6 / !) nfv lsQf l8a]Gr/n] x'g cfpg] s'n ?= ! ca{ C0fk"FhL /sd -%Ü cyf{t %),))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu, ;fj{hlgs lgisfzg af6 laqmL ul/g] .

lgisfzgstf{sf] ljut tyf cfufdL tLg jif{sf] k|lt z]o/ g]6jy{, ;+lrt gfkmf÷gf]S;fg tyf k|lt z]o/ cfDbfgL

ljj/0f Jff:tljs k|If]lkt

@)&@÷&# * @)&#÷&$ @)&$÷&% @)&%÷& ** @)& ÷&& @)&&÷&* @)&*÷&(

k|lt z]o/ g]6jy{ -?=_ 138.83 137.74 161.89 169.77 199.96 234.16 274.49

k|lt z]o/ cfDbfgL -?=_ 27.91 26.60 26.45 26.59 29.33 34.49 40.68

;+lrt gfkmf÷ gf]S;fg -?= s/f]8df_ 7.27 131.79 118.44 166.36 311.09 458.41 651.93

* cfly{s jif{ @)&@÷&# sf] ;f] jif{sf] n]vfkl/If0f ePsf] ljQLo ljj/0fsf] cfwf/df u0fgf ul/Psf] 5 .

** cfly{s jif{ @)&%÷&^ sf] Joj:yfkgaf6 k|dfl0ft ePsf] ljQLo ljj/0fsf] cfwf/df u0fgf ul/Psf] 5 .

b/vf:t;fy k|lt l8a]Gr/ ?=!,)))÷— sf] b/n] -ztk|ltzt_ e'QmfgL dfu ul/Psf] .

lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M xfdLnfO{ l;4fy{ a}+s lnld6]8 tyf o;sf ;+:yfks÷;~rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o; ;+:yfsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf ;fy} æC0fkq lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ df 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'/f k|lt ljZj:t eO{ xfdLn] of] æC0fkq lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ :jLs[ltsf nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g, @)^# / ælwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# -;+zf]wg ;lxt_Æ cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Diligence Certificate) k|:t't u/]sf 5f+} . lwtf]kqsf] nufgLdf x'g ;Sg] hf]lvd af/] nufgLstf{ :jo+n] ljrf/ ug{'kg]{5 . o; ljQLo ;+:yfn] ug{] sfddf lglxt ;Defljt cfly{s hf]lvdx? af/] o; ljj/0fsf] bkmf -*_ df pNn]v ul/Psf] 5 .

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] ;"rLs/0f kZrft lwtf]kq ahf/df x'g] sf/f]af/ 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 .

lgodg lgsfosf] hjfkmb]lxtf 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 sfg"g adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0fkqdf :jLs[lt 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"\lt u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g . o; a+}sn] hf/L ug{ nfu]sf] C0fkqnfO{ O{qmf g]kfn lnld6]8n] Go'g shf{ hflvd (Low Credit Risk) hgfpg] æ[ICRANP] LA-Æ (Pronounced as

ICRA L A Minus) /]l6Ë ldlt @)&^÷)@÷!& df k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ug]{ Instrument nfO{ ;dodfg} ljQLo bfloTj k'/f ug]{ ;DaGwdf oy]i6 ?kdf ;'/lIft dflgG5 . hf]lvdsf] b[i6Ldf o:tf pks/0fx? Go'g shf{ hf]lvd ePsf] dflgG5 . ;fy}, o; a}+snfO{ O{qmf g]kfn lnld6]8n] cf};t shf{ hf]lvd (Average Credit Risk) hgfpg]] “ [ICRANP-IR] A- (Pronounced as ICRA NP Issuer Rating A Minus) /]l6Ë ldlt @)&^÷)@÷!& ut] k|bfg u/]sf] 5 .

o; ljj/0fkq dfk{mt lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt) ePsf] / sy+sbflrt a}+s 6f6klN6Pdf cGo ;'/lIft ;fx" / lgIf]kstf{ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisfzg ul/Psf] ;xfos C0f (Subordinated Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs -Specific Charge_ clwsf/ x'g] 5}g .

g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldlt M @)&^÷)$÷!$ C0fkq lgisfzg v'Nnf x'g] ldlt M @)&^÷)%÷)% ut]

sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&^÷)$÷@) C0fkq lgisfzg aGb x'g] ldlt -l56f]df_ M @)&^÷)%÷)( ut] -a}+lsË ;do kZrft\_ g]kfn /fi6« a+}sdf ljj/0fkq btf{ ePsf] ldlt M @)&^÷)$÷!% C0fkq lgisfzg aGb x'g] ldlt -clGtd_M @)&^÷)^÷)% ut] -a}+lsË ;do kZrft\_

g]kfn lwtf]kq af]8{af6 :jLs[t ljj/0fkq lgisfzg tyf laqmL k|aGws, lgisfzgstf{ sDkgLsf] ;fy} g]kfn lwtf]kq af]8{sf] website : www.sebon.gov.np af6 ;d]t x]g{ ;lsg] 5 .

lwtf]kq lgisfzg tyf laqmL k|aGws M

PgPdla Soflk6n lnld6]8 gfukf]v/L, sf7df8f}+, g]kfn

kmf]g g+=— (&&–!–$$#&(^# ˆofS; g+=— (&&–!–$$#&(^) Email : [email protected], URL: www.nmbcl.com.np

1

-v_ ljj/0f kqsf] d'vk[i7sf] leqL efudf pNn]v x'g'kg]{ s'/fx? M != ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M s_ æljj/0fkqÆ eGgfn] lwtf]kq ;DaGwL P]g, @) # sf] bkmf #) tyf sDkgL P]g, @) # sf] bkmf @# cGtu{t k|sflzt ljj/0fx? ePsf]

k'l:tsfnfO{ ;Demg' kb{5 . v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] PgPdla Soflk6n lnld6]8nfO{ ;Demg' kb{5 . u_ æsDkgLÆ eGgfn] lgisfzgstf{ sDkgL l;4fy{ a}+s lnld6]8nfO{ ;Demg' kb{5 . 3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/d k|fKt ug{ ;lsg] tyf b/vf:t kmf/d ;fy

/sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfx?nfO{{ ;Demg' kb{5 . ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] jfl0fHo 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, k|d'v sfo{sf/L clws[t tyf Joj:yfkgÆ eGgfn] l;4fy{ a}+s lnld6]8sf] ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf

Joj:yfkgnfO{ ;Demg' kb{5 . h_ æaf]8{Æ eGgfn] lwtf]kq ;DaGwL P]g, @) # sf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{ ;Demg' k5{ . em_ æcfwf/e"t z]o/wgLÆ eGgfn] sDkgLsf] r'Qmf k"FhLsf] ! k|ltzt eGbf a9L z]o/ wf/0f u/]sf z]o/wgL eGg] ;D g'kb{5 . @= ljj/0fkq tyf b/vf:t kmf/fd k|fKt ug]{ / a'emfpg] :yfg M

l;=g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf != PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f}+ / j]j;fO6 : www.nmbcl.com.np

@= l;4fy{ a}+s lnld6]8sf] /lhi68{ -s]lGb|o_ sfof{no xfQL;f/ sf7df8f}+ tyf ;Dk"0f{ zfvf sfof{nox? / j]j;fO6 : www.siddharthabank.com

l;=g+= b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg != l;–cf:af (C-ASBA) ;]jfdf ;xefuL a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox? .

@= kl/kq ljlwaf6 ;+ul7t ;+:yfx?nfO{ laqmL ul/g] C0fkq lgisfzg tyf laqmL k|aGws / lgisfzgstf{ sDkgLsf] cfk;L ;xdltdf vl/bstf{x? vf]hL ul/ laqmL ljt/0f ul/g] 5 .

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u_ != lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M xfdLnfO{ l;4fy{ a}+s lnld6]8 tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o; sDkgLsf] Joj:yfksLo, 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[ltsf nflu g]kfn lwtf]kq af]8{df P]g / lwtf]kq btf{ tyf lgisfzg lgodfjnL cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq -Due Diligence

Certificate_ k|:t't u/]sf 5f}+ .

@= ;+ul7t ;+:yfsf] pb3f]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/Lsf ;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/Lsf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;+rfnsx? JolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf jxg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL of] pb\3f]if0f ub{5f}+ ls 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]xLtf ;DaGwL pb\3f]if0f M o; sDkgLn] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0f afx]s sDkgLsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]lxtf sDkgLdf g/xg] / To:tf] ;"rgf, hfgsf/L jf ljj/0fsf] cfwf/df nufgL u/]df ;f] sf] hf]lvd nufgLstf{ :jo+n] jxg ug'{kg]{5 .

u=lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M k|rlnt sfg"g cg';f/ cfkm\gf] ;]jf;Fu ;DalGwt lgodg lgsfo -h:t} sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj: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{ tyf g]kfn :6s PS;r]~h lnld6]8df k]z u/]sf 5f}+ .

sDkgL /lhi6«f/sf] sfof{nodf sDkgL P]g @) # adf]lhd k]z ug'{kg]{ ljj/0fx? k]z u/]sf] x'gfn] ldlt @)&%÷!!÷@* df sDkgL /lhi6«f/ sfof{noaf6 cf=j= @)&$÷&% ;Dd sDkgL cBfjlws /x]sf] 5 .

3=;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb3f]if0f M -s_ o; sDkgLsf] ;+:yfks, ;+rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /xg' ePsf] 5}g . -v_ o; sDkgLsf] ;+rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;+rfns jf sfo{sf/L k|d'v /xg' ePsf]

5}g . -u_ ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L a]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; sDkgLsf] ;+rfns jf sfo{sf/L k|d'v /xg' ePsf] 5}g .

-3_ lwtf]kq ;DaGwL sfg"g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Joj;foLsf] cg'dltkq vf/]h ePsf] bz jif{ k"/f gePsf] ;+ul7t ;+:yfsf] ;+rfns jf sfo{sf/L k|d'v o; sDkgLsf]] ;+rfns jf sfo{sf/L k|d'v /xg' ePsf] 5}g .

-ª_ o; sDkgLsf]] ;+rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;+rfns jf sfo{sf/L cof]Uo /xg' ePsf] 5}g .

#=;+ul7t ;+:yf ;DaGwL hfgsf/L M s ;+ul7t ;+:yfsf] k[i7e"ld M

-c_ ;+:yfsf] gfd M l;4fy{ a}+s lnld6]8 (Siddhartha Bank Limited) -cf_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M sDkgL P]g, @) # adf]lhd ldlt @)%*÷) ÷!@ ut] ;+:yfflkt o; a}+sn]

ldlt @)%(÷)(÷)( df g]kfn /fi6« a}+saf6 ljQLo sf/f]af/ ug]{ Ohfht k|fKt u/L ldlt @)%(÷)(÷!) ut] b]lv g]kfn /fi6« a}+saf6 æsÆ ju{sf] Ohfhtkq k|fKt ;+:yfsf] ?kdf ljQLo sf/f]jf/ ;~rfng ub}{ cfPsf] 5 .

O_ ;+:yfsf] /lhi68{ 7]ufgf M o; sDkgLsf] s]lGb|o sfof{no sf7df08f} lhNnf, sf7df08f} dxfgu/kflnsf j8f g+= !, xfQL;f/, sf7df8f}+df /x]sf] 5 .

3

-O{_ sf/f]af/ ug]{ d'Vo :yfg M o; sDkgLn] g]kfn /fi6« a}+sn] :jLs[t u/] cg';f/ g]kfn e/ b]xfosf :yfgx?af6 cfkm\gf] sf/f]af/ ;+rfng ub}{ cfPsf] 5 M

qm=;= Zffvfsf] gfd zfvf /x]sf] :yflgo tx, lhNnf / k|b]z 1 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, Go"/f]8 Go"/f]8, sf7df8f}+, k|b]z g+=# 2 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, lqk'/]Zj/ lqk'/]Zj/, sf7df8f}+, k|b]z g+=# 3 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, k'/fgf] afg]Zj/ k'/fgf] afg]Zj/, sf7df8f}+}+, k|b]z g+=# 4 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, 7d]n 7d]n–@(, sf7df8f}+, k|b]z g+=# 5 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, tLgs'g] tLgs'g]–#%, sf7df8f}+, k|b]z g+=# 6 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, uf]+ua' uf]+ua'–@(, sf7df8f}+, k|b]z g+=# 7 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sn+sL sn+sL–!$, sf7df8f}+, k|b]z g+=# 8 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, af}4 af}4–^, sf7df8f}+, k|b]z g+=# 9 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, z+vd'n z+vd'n–!), sf7df8f}+, k|b]z g+=# 10 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ;/:jtLgu/ ;/:jtLgu/–^, sf7df8f}+, k|b]z g+=# 11 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, :joDe' :joDe', xnrf]s, sf7df8f}+, k|b]z g+=# 12 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, dxf/fhu~h dxf/fhu~h–%, sf7df8f}+, k|b]z g+=# 13 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, kf6g9f]sf kf6g9f]sf, nlntk'/, k|b]z g+=# 14 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, s'df/Lkf6L s'df/Lkf6L, nlntk'/, k|b]z g+=# 15 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ;ftbf]af6f] ;ftbf]af6f], nlntk'/, k|b]z g+=# 16 l;4fy{ a}+s lnld6]8, -la P08 la_ PS;6]G;g sfpG6/, Ujfsf]{ Ujfsf]{, nlntk'/, k|b]z g+=# 17 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, u¶f3/, eQmk'/ u¶f3/, eQmk'/, k|b]z g+=# 18 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, cfbz{gu/ cfbz{gu/, jL/u~h, k;f{, k|b]z g+=% 19 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, d]g/f]8, lj/f6gu/ d]g/f]8, lj/f6gu/, df]/Ë,k|b]z g+=@ 20 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,;efu[xrf]s, kf]v/f ;efu[xrf]s, kf]v/f, k|b]z g+=$ 21 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, bds bds–!#, emfkf, k|b]z g+=! 22 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,gf/fo0fu9 zlxbrf]s, e/tk'/–$, lrtjg, k|b]z g+=# 23 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, d]g/f]8, l6sfk'/ d]g/f]8, l6sfk'/–(, s}nfnL, k|b]z g+=& 24 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, d]g/f]8, wgu9L d]g/f]8, wgu9L, s}nfnL, k|b]z g+=& 25 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,dx]Gb«gu/ eLdbQgu/ g=kf=–$, s~rgk'/ k|b]z g+=& 26 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,a'6jn ldngrf]s, a'6jn, ?kGb]xL, k|b]z g+=% 27 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,e}/xjf l;4fy{gu/ !@, k|x/L 6f]n, ?kGb]xL, k|b]z g+=% 28 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,g]kfnu~h wDaf]hLrf]s, g]kfnu~h, afFs], k|b]z g+=^ 29 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,t'N;Lk'/ aL=kL= rf]s–%, t'N;Lk'/, bfË, k|b]z g+=^ 30 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,3f]/fxL zlxbrf]s, 3f]/fxL, bfË, k|b]z g+=^ 31 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,hgsk'/ ldN; Pl/of, hgsk'/–!, wg'iff, k|b]z g+=@ 32 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, alb{jf; alb{jf;, dxf]Q/L, k|b]z g+=@ 33 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,l;Gw'nL sdnfdfO{ g= kf, df9L ahf/, l;Gw'nL, k|b]z g+=# 34 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, rGb|u9L rGb|u9L, emfkf, k|b]z g+=! 35 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,x]6f}8f gf/fo0fL dn $, x]6f}8f, dsjfgk'/, k|b]z g+=# 36 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, w/fg w/fg g=kf=, ;'g;/L, k|b]z g+=! 37 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, au/ au/– !, sf:sL, k|b]z g+=$ 38 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, s[i0fgu/ s[i0fgu/–@, slknj:t', k|b]z g+=% 39 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, gfDr] gfDr] ahf/–#, ;f]n'v'Da', k|b]z g+=@ 40 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, b}n]v gf/fo0f g=kf !, b}n]v, k|b]z g+=^ 41 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sn}of sn}of, af/f, k|b]z g+=@ 42 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, af}lgof af}lgof–(, s}nfnL, k|b]z g+=& 43 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, a]n6f/ a]n6f/–!, a;xf g=kf, pbok'/, k|b]z g+=# 44 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, a'4rf]s a'4rf]s, sf:sL kf]v/f, j8f g+=!), k|b]z g+=$ 45 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, la/f}6f la/f}6f,sf:sL, j8f g+=!&, k|b]z g+=$ 46 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, bdf}nL bdf}nL, tgx'F, j8f g+=@, k|b]z g+= $ 47 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, vfFbjf/L vfFbjf/L g=kf, j8f g+=# 48 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sf]xnk'/ sf]xnk'/ g=kf=afFs], j8f g+=!!, k|b]z g+=^ 49 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, lIf/]Zj/ lIf/]Zj/gfy g=kf, Wfg'iff, j8f g+=%, k|b]z g+=@ 50 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, lrKn]9'Ëf lrKn]9'Ëf–(, kf]v/f sf:sL, k|b]z g+=$ 51 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,k/f;L /fdu|fd g=kf, gjnk/f;L, j8f g++=%, k|b]z g+=# 52 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, k:of{Ë k:of{Ë, kf]v/f, j8f g+=%, k|b]z g+=$ 53 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, n]s;fO8 n]s;fO8, kf]v/f, k|b]z g+=$ 54 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,l;d/f u9LdfO{ g=kf, af/f, j8f g+=@, k|b]z g+=@ 55 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,6fF8L /Tggu/ g=kf, j8f g+=*, lrtjg, k|b]z g+=# 56 l;4fy{ a}+s lnld6]8, pnf{af/L PS;6]G;g sfpG6/,pnf{af/L pnf{af/L j8f g+=%, df]/Ë, k|b]z g+=! 57 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, cgfdgu/ cgfdgu/ sf7df08f}+, j8f g+=#@, k|b]z g+=# 58 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sflGtky sflGtkyj8f g+=#), sf7df08f}, k|b]z g+=# 59 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,88]nw'/f cd/u9L g=kf–%, 88]nw'/f, k|b]z g+=& 60 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, O6x/L d]g rf]s, O6x/L, ;'g;/L, k|b]z g+=! 61 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ljtf{df]8 eb|k'/ /f]8, ljtf{df]8, emfkf, k|b]z g+=! 62 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,Onfd Onfd g=kf=!, lgs'~hky, Onfd, k|b]z g+=! 63 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, lkmSsnahf/ ;"of]{bo g=kf=^, lkmSsnahf/, Onfd, k|b]z g+=! 64 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sfjf;f]tL sfjf;f]tL g=kf=@, sfjf;f]tLahf/, gjnk/f;L, k|b]z g+=#

4

65 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, lj/f6rf]s ;'Gb/ x/}rf g=kf=!), lj/f6rf]s, df]/Ë, k|b]z g+=@ 66 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,kfNkf tfg;]g g=kf=#, led;]g6f]n, kfNkf, k|b]z g+=# 67 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, a]gL a]gL g=kf=&, a]gLahf/, DofUbL 68 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, s'n]Zj/ s'n]Zj/ sf7df08f}, j8f g+=!$, k|b]z g+=# 69 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, RofDxfl;+x RofDxfl;x+, sdnljgfos, j8f g+=!, eQmk'/, k|b]z g+=# 70 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,;'v]{t h'Dnf/f]8, ;'v]{t, j8f g+=^, lj/]Gb|gu/, k|b]z g+=^ 71 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ldr}{of ldr}{of g=kf=, ldr}{of, j8f g+=^, l;/fxf, k|b]z g+=@ 72 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, hf]/kf6L uf]s0f{]Zj/ g=kf= j8f g+=^, hf]/kf6L, k|b]z g+=# 73 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, rGb|k'/ rGb|k'/ g=kf= j8f g+=$, /f}tx6, k|b]z g+=@ 74 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, wgs'6f wgs'6f g=kf= j8f g+=&, wgs'6f, k|b]z g+=! 75 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,tfKn]h'Ë km'ËnLË g=kf= j8f g+=$, tfKn]h'Ë, k|b]z g+=! 76 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, u?8f u?8f g=kf= j8f g+=@, u?8f, /f}tx6, k|b]z g+=@ 77 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, a]+zLzx/ j8f g+=*, a]+zLzx/ g=kf=, a]+zLzx/, nDh'Ë, k|b]z g+=% 78 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, h'd|L Ko"7fg g=kf= j8f g+=$, h'd|L, Ko"7fg, k|b]z g+=#

79 l;4fy{ a}+s lnld6]8, k'tnL;8s PS;6]G;g sfpG6/, k'tnL;8s

k'tnL;8s–@*, sf7df08f}

80 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, afun'«ª afun'«ª g=kf= j8f g+=@, afun'«ª, afun'«ª, ahf/, k|b]z g+=$ 81 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,a§f/ ljb'/ g=kf= j8f g+=@, a§f/,g'jfsf]6, k|b]z g+=# 82 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,rl/sf]]6 led]Zj/ g=kf, j8f g+=#, rl/sf]]6, bf]nvf, k|b]z g+=# 83 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ag]kf ag]kf g= kf= j8f g+=&, kgf}lt, sfe|], k|b]z g+=# 84 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, cfdrf]s cfdrf]s ufFpkflnsf, j8f g+= $, afn+vf, ef]]hk'/, k|b]z g+=! 85 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, b]j3f6 b]j3f6 uf=kf= j8f g+= %, b]j3f6,tgFx', k|b]z g+=$ 86 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, dr{jf/L dr{jf/L ufFpkflnsf, j8f g+= #, /}k'/, ?kGb]xL, k|b]z g+=% 87 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,u9L u9L ufpFkflnsf, j8f g+=@, cf}/fjgL,;'g;/L, k|b]z g+=! 88 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, /f]zL /f]zL ufpFkflnsf, j8f g+=&, s6'Gh],sfe|], k|b]z g+=# 89 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,cfb{z stjfn hogu/,lro'txf, cfb{z s6jfn,af/f, j8f g+=!, k|b]z g+=@ 90 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, axfb/'dfO{ ax'c/L lk8f/L g=kf= j8f g+= $, k;f{, k|b]z g+=@ 91 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,dsfn' g'd ahf/, dsfn' ufpFkflnsf, j8f g+= %, ;+v'jf;ef, k|b]z g+=! 92 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,uf]n~hf]/ uf]n6f/, uf]n~hf]/ ufpFkflnsf, j8f g+= %, k|b]z g+=# 93 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,a'9Lu+uf kmnf;]g, a'9Lu+uf g= kf= j8f g+= *, afh'/f, k|b]z g+=& 94 l;4fy{ a}+s lnld6]8, zfvf sfo{fno,uf]s'nu+uf led;]g:yfg, uf]s'nu+uf, j8f g+=#, /fd]5fk, k|b]z g+=# 95 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, uf}zfnf uf}zfnf g=kf= j8f g+=%, dxf]Q/L, k|b]z g+=@ 96 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, nfnaGbL nfnaGbL g=kf, j8f g+=*, ;nf{xL, k|b]z g+=@ 97 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, /fduf]kfnk'/ /fduf]kfnk'/ ahf/,/fduf]kfnk'/ g=kf= j8f g+=% k|b]z g+=@ 98 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ozf]w/f ozf]w/f ufFpkflnsf, j8f g+=*, slknj:t', k|b]z g+=% 99 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ljgo lqj]0fL b'DsLaf;, ljgo lqj]0fL g=kf= j8f g+=!, gjnk'/, k|b]z g+=$ 100 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, dfwjgf/fo0f dfwf]k'/, dfwjgf/fo0f ufpFkflnsf, j8f g+=*, k|b]z g+=@ 101 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, b'n]uf}8f b'n]uf}8f,z'Snf u08sL g=kf= j8f g+=#, tgFx', k|b]z g+=$ 102 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, u}8fsf]6 u}8fsf]6 ahf/, u}8fsf]6 g=kf= j8f g+=$, k|b]z g+=$ 103 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ab{3f6 ab{3f6 ahf/, ab{3f6, g=kf= j8f g+=$, k/f;L, k|b]z g+=% 104 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sf]l6xjf sf]l6xjf, ltnf]Qdf g=kf= j8f g+=!%, k|b]z g+=% 105 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, lhtk'/ lhtk'/,af0fuËf g=kf= j8f g+=!, k|b]z g+=% 106 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, nxfg nxfg ahf/, nxfg g=kf= j8f g+=#, k|b]z g+=@ 107 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ;'?Ëf ;'?Ëf ahf/,sGsfO{ g=kf= j8f g+=#, k|b]z g+=! 108 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, uf}/fbx uf}/fbx g=kf= j8f g+=@, uf}/fbx ahf/, k|b]z g+=! 109 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ky/L ky/L zlgZr/] g=kf= j8f g+=!, k|b]z g+=! 110 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, nDsL nDsL r'xf g=kf=,nDsL ahf/, s}nfnL, k|b]z g+=& 111 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, h'Dnf rGbggfy g=kf=,vn+uf ahf/, h'Dnf, k|b]z g+=* 112 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, b]jtfn j8f g+=$,b]jtfn g=kf= af/f , k|b]z g+=@ 113 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, n]vgfy Kff]v/f n]vgfy d=g=kf, j8f g+= @&, n]vgfy tfnrf]s, sf:sL 114 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, e/tk'/ e/tk'/ dxfgu/kflnsf, j8f g+= !), e/tk/', lrtjg 115 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, cQ/Lof Uff]bfjf/L gu/kflnsf, j8f g+ )@, cQ/Lof, s}nfnL 116 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ndxL ndxL gu/kflnsf, j8f g+= )%, ndxL ahf/, bfË 117 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, vh'/f vh'/f ufpFkflnsf, j8f g+= )#, vh'/f ahf/, afFs] 118 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, d';Lsf]6 d';Lsf]6 g=kf, j8f g+ %, vnËf ahf/, ?s'd k=, k|b]z g+ * 119 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, k'yf,pQ/u+uf k'yf pTt/u+uf uf=kf, j8f g+ !@, sf]n, ?s'd k'j{, k|b]z g+ % 120 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, rGb|f}6f lzj/fh gu/kflnsf, j8f g+ *, rGb|f}6f, slknj:t', k|b]z g+ % 121 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, rfalxn sf= d= g= kf=, j8f g+ &, rfalxn rf]s, k|b]z g+ # 122 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, k;f{ Vf}/xgL gu/kflnsf, j8f g+ *, k;f{, lrtjg, k|b]z g+ # 123 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, kmlk{Ë bIfL0fsfnL g=kf= j8f g+= ^, sf7df08f}, k|b]z g+= # 124 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, lslt{k'/ lslt{k'/ g=kf= j8f g+= (, sf7df08f}, k|b]z g+= # 125 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, wg]Zj/ 6f]vf g=kf= j8f g+=#, sf7df08f}, k|b]z g+= # 126 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, xflQuf}+8f a'9flgns07 g=kf= j8f g+= &, sf7df08f}, k|b]z g+= # 127 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, gofFahf/ sf=d=g=kf=, j8f g+=–!^, gofFahf/, sf7df08f}, k|b]z g+= # 128 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, u0f]z:yfg 6f]vf g=kf= j8f g+= !), sf7df08f}, k|b]z g+= # 129 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, dWok'/ lyld dWok'/ lyld g=kf= j8f g+= (, eQmk'/, k|b]z g+= # 130 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sfF8f3f/L sfu]Zj/L dgf]x/f g=kf= j8f g+=(, sf7df08f}+, k|b]z g+= #

5

131 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ;'o{ljgfos eQmk'/ g=kf= j8f g+=&, ;'o{ljgfos, eQmk'/, k|b]z g+= # 132 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, Odf8f]n dxfnIdL g=kf= j8f g+= $, Odf8f]n, nlntk'/, k|b]z g+=# 133 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, O{+ru'gf/fo0f gfufh'{g g=kf= j8f g+= !, sf7df08f}, k|b]z g+= # 134 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, rfaxLn sf=d=g=kf j8f g+= &, rfaxLn, sf7df08f}+, k|b]z g+= # 135 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, afn'jfvfgL a'9flgns07 g=kf= j8f g+= !), sf7df08f}, k|b]z g+= # 136 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, nflhDkf6 sf=d=g=kf= j8f g+=@, nflhDkf6, sf7df08f}, k|b]z g+= # 137 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, skg a'9flgns07 g=kf= j8f g+= !@, sf7df08f}, k|b]z g+= # 138 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, d'/lnrf]s lj/u~h dxfgu/kflnsf j8f g+=!!, lj/u~h, k;f{ k|b]z g+= @ 139 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sGrgaf/L lj/f6gu/ dxfgu/kflnsf j8f g=$, df]/Ë, k|b]z g+= ! 140 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, /fhdfu{rf]s bds g=kf= j8f g+= !#, /fhdfu{rf]s, emfkf, k|b]z g+= ! 141 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, SofDk; rf]s wgu9L pk–dxfgu/kflnsf j8f g+= *, s}nfnL, k|b]z g+= & 142 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, dlgu|fd dlgu|fd g=kf= j8f g+=%, ?kGb]xL, k|b]z g+= % 143 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ;f}/xf km:{6Lsf ;f}/xf km:{6Lsf ;'Bf]wg uf=kf= j8f g+= %, ?kGb]xL, k|b]z g+= % 144 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, of]uLs'6L ltnf]Qdf g=kf= j8f g+= #, ?kGb]xL, k|b]z g+= % 145 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, cd/ky a'6jn pk–dxfgu/kflnsf j8f g+=$, ?kGb]xL, k|b]z g+= % 146 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, afF;u9L afF;u9L g=kf= j8f g+= %, alb{of, k|b]z g+= % 147 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, /fhlj/fh /fhlj/fh g=kf= j8f g+= &, ;Kt/L, k|b]z g+= @ 148 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ljBfkltrf]s hgsk'/ pk–dxfgu/kflnsf j8f g+=$, wg'iff, k|b]z g+= @

149 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, hgsk'/ dfnkf]t PS6]G;g sfpG6/

hgsk'/ pk–dxfgu/kflnsf j8f g+=$, wg';f, k|b]z g+= @

150 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, sfFs8leQf d]rLgu/ g=kf= j8f g+=&, sfFs8leQf, emfkf, k|b]z g+= ! 151 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, ufO{3f6 lqo'uf g=kf= j8f g+= !!, ufO{3f6, pbok'/, k|b]z g+= ! 152 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, n'Snf v'Da' kf;fª Nxfd'' uf=kf= j8f g+= @, ;f]n'v'Da', k|b]z g+= ! 153 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, b'xjL b'xjL g=kf= j8f g+=%, ;'g;/L, k|b]z g+= ! 154 l;4fy{ a}+s lnld6]8, zfvf sfo{fno, xflQ;f/ sf=d=g=kf=, j8f g+= !, xflQ;f/, sf7df08f}, k|b]z g+= #

-p_ -!_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox? M sDkgL P]g, @) # adf]lhd ldlt @)%*÷) ÷!@ ut] :yfflkt o; a}+sn] ldlt @)%(÷)(÷( df g]kfn /fi6« a}+saf6 ljQLo sf/f]af/ ug]{ Ohfht k|fKt u/L ldlt @)%(÷)(÷!) ut] b]lv g]kfn /fi6« a}+saf6 æsÆ ju{sf] Ohfhtkq k|fKt ;+:yfsf] ?kdf ljQLo sf/f]af/ ;~rfng ub}{ cfPsf] 5 . a}+ssf ;+:yfks tyf ;~rfnsx?df ljQLo If]q, pBf]u tyf Jofkf/ If]q Pjd\ Joj:yfkgdf nfdf] ;dob]lv sfo{/t cg'ejL k|ltli7t JolQmx? /xg' ePsf] 5 . o; a}+sdf %!Ü z]o/ :jfldTj ;+:yfks z]o/wgLx?sf] /x]sf] 5 eg] afFsL $(Ü z]o/ ;j{;fwf/0f z]o/wgLx?sf] /x]sf] 5 . xfn a}+sn] cf Gff !%$ Zffvfx? -$ PS;6]+;g sfpG6/ ;lxt_ af6 ;]jf k|bfg ub}} cfO/x]sf] 5 . ;fy}, !)) Zffvf /lxt a}lsª ;]jf, !^@ ATM, !,#)) eGbf a9L POS Machine x? / %,))) eGbf a9L ljk|]if0f Ph]G6x?af6 klg a}+ssf] ;]jf pknAWf e}/x]sf] 5 .

-@_ sDkgLsf] p2]Zo M g]kfn /fi6« a}+s P]g, @)%*, a+}s tyf ljQLo ;++:yf ;DaGwL P]g, @)&#, sDkgL P]g, @) # tyf cGo k|rlnt sfg"gsf] clwgdf /xL ljQLo sf/f]jf/ -a}+lsË Joj;fo_ ug]{ o; a}+ssf] d'Vo p2]Zox¿ b]xfo adf]lhd /x]sf 5g\ M -s_ a}+ssf lgIf]kstf{ tyf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Dj4{g ub}{ ;j{;fw/0fnfO{ u'0f:t/Lo tyf e/kbf]{ a}lsË÷ljQLo

;]jf÷;'ljwf pknAw u/fpg], -v_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Joj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf] :yfkgf, ljsf;, lj:tf/ / Ifdtf

Pj+ pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf afXo ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df ultzLntf Nofpg ;xof]u k'¥ofpg],

-u_ pknAw ;Lk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pj+ /f]huf/L d"ns Joj;fosf] :yfkgf, ;+rfng, ljsf;, lj:tf/ Pj+ k|j4{|g ug]{ sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Joj: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_ d'n'sdf 5l/P/ /x]sf] k"FhLnfO{ PsLs[t u/L ;+:yfut nufgL tyf :j:y k|lt:kwf{sf] dfWodaf6 ljQLo dWo:ytfsf] ;]jf pknAw u/fpg],

-ª_ ;fdfGotof, dfyL pNn]lvt s'g} klg p2]Zox? k"/f ubf{ cfOkg]{ jf To;;Fu ;Da4 jf tL p2]Zox?sf] k|flKtsfnflu pko'Qm jf a}+snfO{ nfe x'g] cGo s'g} klg sfo{x? k|rlnt sfg"gsf] cwLgdf /xL k|f/De ug]{, lhDdf lng] (Undertaking), k|aGw ug]{ tyf ;~rfng ug]{ .

-pm_ ;+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 sDkgL P]g, @) # tyf lwtf]kq ;DaGwL P]g, @) # adf]lhd :yflkt l;4fy{ Soflk6n lnld6]8, gf/fo0frf}/, gS;fn, sf7df08f}+df cjl:yt /x]sf] 5 . o; a}+ssf] xfnsf] cj:yfdf %! k|ltzt nufgL /x]sf] ;xfos sDkgL xf] . >L l;4fy{ Soflk6n lnld6]8 sDkgL P]g, @) # sf] Joj:yf adf]lhd sDkgL /lhi6f/sf] sfof{nodf ldlt @) *÷!!÷)@ df kAnLs sDkgLsf] ?kdf btf{ eO{ -btf{ gDa/M !#@ ÷) *÷) (_ ;fd"lxs nufgL sf]if lgodfjnL, @) & sf] Joj:yf adf]lhd g]kfn lwtf]kq af]8{af6 ldlt @) (÷)%÷@$ df of]hgf Joj:yfks tyf l8kf]lh6/Lsf] ?kdf sfo{ ug{ cg'dltkq k|fKt u/L @) (÷)%÷@% ut] b]lv cfkm\gf] sf/f]af/ ;+rfng ub}{

6

cfO/x]sf] 5 . lwtf]kq ;DaGwL P]g, @) # adf]lhd g]kfn lwtf]kq af]8{af6 ldlt @)&@÷)@÷@* ut] dr]{G6 a}lsË ;DaGwL sfo{ ug{sf nflu Ohfhtkq k|fKt u/L pQm sDkgLn] xfn lgisfzg tyf laqmL k|aGws, lwtf]kq k|Tofe"ltstf{, z]o/ /lhi6«f/, nufgL Joj:yfks, lgIf]k ;b:o, of]hgf Joj:yfks tyf l8kf]lh6/Lsf] nflu g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt u/L pQm ;]jfx? k|bfg ub}{ cfO/x]sf] 5 . l;4fy{ Soflk6n lnld6]8sf] d"Vo p2]Zox? b]xfo adf]lhd /x]sf] 5 M

s_ sDkgLsf z]o/wgLx?sf] xs lxtsf] ;+/If0f tyf ;Da4{g ug]{ . v_ nufgLstf{x?nfO{ lwtf]kq Joj;foLsf] ?kdf u'0f:t/Lo tyf e/kbf]{ ;]jf pknAw u/fpg] . u_ nufgLstf{x?sf] kF"hL ahf/ tkm{sf] ljZj;lgotf clej[l4 ug{ cfjZos sfo{ ;+rfng ug]{ . 3_ gofF tyf xfn sfod k"FhL ahf/;Fu ;DalGwt ;]jfsf] ljsf; lj:tf/ ug{ g]kfn lwtf]kq af]8{;Fu cfjZos ;dGjo ug]{ tyf cfjZostf

cg';f/ :jLs[tL k|fKt u/L pRr:t/Lo ;]jf k|bfg ug]{ . ª_ pknAw zLk, >d tyf kF"hLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf kF"hL ahf/;Fu ;Da4 ;'ljwfx?pknAw u/fpg cfjZos

ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ b]zsf] kF"hL ahf/sf] ;du| ljsf;sf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'/\ofpg] .

-P_ cGo ljj/0fx? M -!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M

sDkgLn] k|bfg ug]{ d'Vo ;]jfx?df lgIf]k ;+sng, shf{ k|jfx, /sdfGt/, /]]ld6\ofG; tyf cGo a}+lsË ;]jfx? /x]sf 5g\ . ;fy}, sDkgLn] nufgLsf] dfWodaf6 cf gf] kF"hLsf] ;xL pkof]u ub}{ cfPsf] 5 .

-@_ k|of]u ePsf] jf ul/g] k|ljlw M sDkgL ;]jf k|bfos sDkgL ePsf]n] dfly v08 ! df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw ;DkGg /x]sf] .

-#_ s'g} a|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;++:yf;Fu ;DalGwt af}l4s ;DklQ xs clwsf/ M ;f] gePsf] .

-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M g]kfn e/L sf/f]af/ ug]{ :jLs[lt k|fKt u/] adf]lhd Joj;fo ;~rfng ePsf] . @)&% r}q d;fGtsf] tYofÍ cg';f/ a}+sn] s"n ahf/sf] sf] #=%& Ü lx:;f lgIf]k cGtu{t /x]sf]] 5 eg] shf{ tyf ;fk6 cGtu{t s"n ahf/sf] #=&) Ü lx:;f cf]u6]sf] 5 . (Source M NRB Reporting & Analytics System- Chaitra 30, 2075- reporting: nrb.org.np)

-%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M ;do ;fk]If gofF pTkfbg tyf ;]jfsf] ljsf; u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cf gf] Jofkf/ lj:tf/ ug]{ of]hgf /x]sf] 5 .

-^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M a}+sn] cfkm\gf] p2]Zo k|flKtsf] nflu k|rlnt sfg'gsf] clwgdf /xL ljleGg k|sf/sf lgIf]k tyf shf{ of]hgf tyf cGo a}+lsË pks/0f dfkm{t a}+lsË ;]jf k|bfg ug]{ ub{5 .

-&_ pTkfbg÷;+rfng Ifdtf / ;f]sf] pkef]u l:ylt M ljQLo If]qdf nfdf] cg'ej xfl;n ug{' ePsf] ;+rfns÷Joj:yfkg bIftfsf] cfwf/df o; sDkgLn] :yfkgfsfn b]lv g} ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsnfO{ /fd|f] ;'ljwf k|bfg ug{ ;kmn /x]sf] 5 .

-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] .

-(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf cGtu{t a}+sn] cfkm\gf] sfo{ r':t÷b'?:t ;+rfng ug{ tyf u|fxsx?sf] ;Gt'i6Ldf pRrtd\ a[4L ug{sf] nflu cg'kfng clws[t -Compliance Officer_ sf] ?kdf cg'kfng k|d'v >L ;/f]h sfkm\n]Ho" tyf k|d'v ;'rgf clws[t - Chief

Information officer_ sf] ?kdf ;xfos k|d'v sfo{sf/L clws[t >L /fd]Zj/ k|;fb a:ofnHo"nfO{ lgo'Qm ul/Psf] 5 .

-!)_ cg';Gwfg tyf ljsf; M g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] cj:yfdf sDkgLn] cg';Gwfg tyf ljsf;nfO{ pRr k|fyldstfsf ;fy cl3 a9fO{/x]sf] 5 .

-!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M ;f] gePsf] .

-!@_ sd{rf/L ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP ;f] ;DaGwL ljj/0f M sd{rf/L ;+u7g;Fu a}+s Joj:yfkgsf];'dw'/ ;DaGw /x]sf] / ljutdf sd{rf/L;+u7g;Fu s'g} k|sf/sf] cf}Bf]lus ljjfb g/x]sf] .

-!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M

7

a}+sn] cToflws k|lt:klw{ /x]sf] xfnsf] ljQLo ahf/df ;kmntfk"j{s cfkm\gf] klxrfg :yflkt u/L ljQLo Joj;fo ;+rfng ul//x]sf] 5 . ;dfg sDkgLx? aLr cfkm\\gf] 5'§} klxrfg agfpgsf] nflu a}+sn] cfkm\gf zfvf ;+hfnx? pNn]vgLo ?kdf j[4L ub}{ u|fxsx?sf] ;]jf ;'ljwfx?df Jofks lj:tf/ ub}{ uO{ /x]sf] 5 . a}+ssf] xfn;Ddsf] k|ult tyf a}+lsË If]qdf a}+ssf] cj:yf a}+ssf] ljQLo ljj/0faf6 k|i6 b]Vg ;lsG5 . a+}ssf] @)&% r}q d;fGt ;Dd lgIf]k, shf{ tyf ;fk6sf] dfs]{6 z]o/ b]xfo adf]lhd /x]sf] 5 .

qm=; ljj/0f dfs]{6 z]o/ -Ü_ ! lgIf]k #=%& Ü @ shf{ tyf ;fk6 #=&) Ü

[Source M NRB Reporting & Analytics System- Chaitra 30, 2075- reporting.nrb.org.np]

-!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;++:yfsf] s"n jflif{s sf/f]jaf/df !)Ü jf ;f] eGbf a9Ln] of]ubfg ug{] jf Joj;fosf] nflu ;++:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M ;f] gePsf] .

-!%_ k|d'v ;Knfo;{x?sf] ljj/0f -h:t}– ;+:yfsf] s"n sf/f]af/df !)Ü 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/0f M -c_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M

@)&% r}q d;fGtsf] a}+ssf] pks/0f ;DaGwL ljj/0fM -? xhf/df_ ljj/0f ejg sDko'6/÷ P;];f]l/h kl/jxg÷;fwg cGo pks/0f hDdf

s'n k/n df]n 69,059 684,963 128,092 78,421 960,535

s'n x|f;s§L 17,806 379,052 35,331 58,485 490,675

a's e]No' 51,253 305,911 92,760 19,936 469,860

hUuf - - - - 244,812

k"FhLut lgdf{0f - - - - 286,507

lnhxf]N8 ;DklQ - - - - 203,187

hDdf 51,253 305,911 92,760 19,936 1,204,366

pQm ;DklQx? a}+ssf] k|wfg sfof{no tyf zfvf sfof{nox?df cjl:yt 5g .

-cf_ a"Fbf -c_ 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 dfly plNnlvt ;DklQx? sDkgLsf] cfkm\g} :jfldTjdf /x]sf 5g . 3/ ef8fdf lnO{ lgdf0f{ u/]sf ;+/rgfx?nfO{ lnhxf]N8 ;DklQ cGtu{t k|:t't ul/Psf] 5 h'g a}+ssf] cfkm\g} :jfldTjdf /x]sf 5g .

-O_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0fM ;f] gePsf] .

-O{_ 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 o; sDkgLsf] ;DklQsf] k'gd{'Nof+sg gul/Psf] x'Fbf lstfjL d"No / ahf/ d"No aLr km/s gePsf] .

-p_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0f M k/ndf]ndf lgodfg';f/ x|f;s§L u/L n]vfdfg cg';f/ afFsL /x]sf] jf:tljs ;DklQnfO{ ;DklQsf] ?kdf /flvPsf] 5 / ;f] sf] k'gd"{Nofªsg ul/Psf] 5}g .

u efjL of]hgf tyf /0fgLlt M -c_ Joj;fo÷;]jfsf] j[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doa4 /0fgLltM

a}+sn] cfkm\gf] ljleGg zfvfx? Dffkm{t a}+lsË kxF'r gk'u]sf] hg;+VofnfO{ a}+lsË kxF'r k'¥ofO{ lghx?nfO{ a}+s vftf vf]Ng tyf art ug]{ afgLsf] ljsf; ug{ k|f]T;fxg ub}{ cfPsf] 5 . a}+sn] cf gf] ;]jfsf] lj:tf/sf] nflu u|fdL0f If]]qdf ;d]t zfvf lj:tf/sf] sfo{nfO{ cem cufl8 a9fpFb} nu]sf] 5 . a}+sn] s[lif shf{ tyf ;fgf tyf demf}nf shf{x?sf] cfsf/nfO{ j[l4 ub}{ n}hfg] /0fgLlt lnPsf] 5 . ;fy}, a}+sn] hnljB't, gljs/0fLo phf{ nufot pTkfbg d'ns If]qdf shf{ nufgL j[l4 ug{ ljz]if Wofg lbg]5 . ;f]sf nflu Joj;flos ;DefJotf ePsf] :yfgx?df a}+ssf] zfvf ;+hfn lj:tf/ ug]{ sfo{nfO{ k|fyldstf lbO{g]5 . u|fxsx?nfO{ bIftfk"j{s / ;xL a}+lsË ;]jf pknAw u/fpg k|fljlws ?kdf a}+snfO{ bIf agfpg] / xfn eO{ /x]sf] k|ljlwx?nfO{ cfjZostf cg';f/ cBfjlws ug]{ sfo{ ul/g]5 . a}+ssf] ljk|]if0f sf/f]af/ j[l4sf nflu ljleGg b]zx?df Ph]G6x? lgo"Qm ug]{ tyf ;f]sf] cg'udg tyf ljk|]if0f sf/f]af/sf] j[l4sf nflu a}+saf6 sd{rf/L v6fpg] tyf ljleGg ljk|]if0f ;]jf k|bfosx?;Fu ;Demf}tf u/L a}+s dfkm{t ljk|]if0f leq\ofpg kxn ul/g] 5 .

-cf_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljio M a}+s tyf ljQLo ;+:yfsf] pNn]Vo j[l4n] cy{tGqdf ;sf/fTds k|efj kf/sf] 5 . ;sf/fTds k|efj kf/]tf klg /fli6«o Pj+ cGt/f{li6«o 36gfqmdx?df cfpg] ptf/ r9fjn] o; If]qnfO{ k|efljt u/]sf] b]lvG5 . kmn:j?k casf lbgx? cfly{s pGgtL, ljsf; lgdf{0f / gofF

8

g]kfn lgdf{0fsf] nIodf cuf8L a9\g] k|lta4tf ;DalGwt kIfx?n] hfx]/ ul/;s]sf] l:yltdf, g]kfnsf] cfly{s j[l4b/ ;lxt cGo ;Dj[l4sf ;"rsf+sx? ;sf/fTds /xg] s'/fdf cfzfjfbL x'g ;lsG5 .

pk/f]Qm jftfj/0fn] b]ze/L g} pBf]u, Jofkf/, Joj;fo, s[lif Pj+ ;du| cy{tGq rnfodfg x'g] / o;n] a9L eGbf a9L ;d'bfonfO{ a}+lsË If]qleq ;d]6\g] cj;/ k|bfg ug]{ b]lvG5 . o;af6 a}+sx?sf] cfly{s lqmofsnfkdf k|z:t ;Defjgfx? phfu/ x'g] cg'dfg klg ug{ ;lsG5 . o; a}+sn] cf gf] Jofkf/ / Joj;fo clej[l4 u/L cf gf u|fxsju{x?df /fli6«o tyf cGt/f{li6«o dfkb08 cg'?ksf a}+lsË ;]jf tyf ;'ljwfx? pknAw u/fpg ;Sg] Ifdtf /fVb5 .

o; sDkgLn] cf gf] pNn]Vo If]]q cf]u6\g zfvf tyf P6LPd lj:tf/ ug]{, JolQmut / ;fgf tyf demf}nf shf{df j[l4 / rNtL tyf art lgIf]kdf j[l4 ub}}{ nu]sf] 5 . ;fy}, u|fxssf] ;Gt'li6 tyf cg'ejsf] cfwf/df pRr d"NofÍg ub}{ ;do ;fk]If ?kdf a+}ssf] sfo{ gLlt kl/jt{g tyf kl/dfh{g ub}{ u|fxssf] klxnf] /f]hfO{sf] a+}s aGg] tyf ;f]sf nfuL cfjZos a+}ssf] cfGtl/s sfo{ k|0ffnLnfO{ yk ;/n tyf r':t agfpg] gLlt cjnDag u/]sf] 5 . a+}sn] lg/Gt/ ?kdf sd{rf/Lsf] sfo{ Ifdtf clej[l4sf nflu cf gf sd{rf/Lx?nfO{ ljleGg tflnd k|bfg ub}}{ cfPsf] 5 . a+}sn] cjnDag u/]sf] bL3{sfnLg /0fgLltsf sf/0f a+}snfO{ /0fgLlts kmfObf k|fKt ePsf] 5 / bL3{sfnLg ?kdf a+}ssf] ljQLo cj:yf tyf d'gfkmf l:y/ /fVgdf 7"nf] 6]jf k'Ug] ljZjf; 5 . a+}s cf gf] cfGtl/s sfo{ k|0ffnL tyf lgoGq0f k|0ffnLnfO{ yk r':t kfb}{ cf gf] nufgLdf /x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 / eljiodf ljQLo If]qdf Ps leGg :yfg cf]u6\g] s'/fdf b[9 /x]sf] 5 . a}+sn] k|If]lkt ljQLo ljj/0f tof/ ubf{ tnsf a'bfFsf cfwf/df u/]sf] 5 M

-s_ a}+ssf] efjL of]hgfx?, ljutsf aif{x?sf] sf/f]jf/sf] a[l4, a}+sn] u/]sf] cfDbfgL Pad\ a}+ssf] zfvf ;+hfn lj:tf/ ug{] /0fgLlt, rfn' aif{sf] k|ult tyf g]kfn ;/sf/4f/f k|If]lkt ljQLo cfFs8fnfO{ cfwf/ dfg]sf] 5 .

-v_ a}+sn] shf{ lgI]fk cg'kft, Aofh b/ cGt/, a}wfgLs t/ntf cg'kft, clgjfo{ gub df}Hbft, k"FhLsf]if cg'kft tyf lglis|o shf{ k|ltzt g]kfn /fi6« a}+sn] tf]s]sf] dfkb08 cg'?k sfod u/L ljQLo ljj/0fsf] k|If]k0f u/]sf] xf] .

-u_ eljiodf x'g ;Sg ;Defljt cg'dfgLt kl/b[iosf] cfwf/df ljQLo ljj/0fsf] k|If]k0f tof/ u/]sf] xf] . o; a}ssf] @)&% r}q d;fGt ;Dd lgIf]k, shf{ tyf ;fk6sf] l:ylt b]xfo adf]lhd /x]sf] 5 .

qm=; ljj/0f dfs]{6 z]o/ ! lgIf]k #=%&Ü @ shf{ tyf ;fk6 #=&) Ü

(Source M NRB Reporting & Analytics System- Chaitra 30, 2075- reporting.nrb.org.np)

* a}+ssf] xfn;Ddsf] k|ult ljj/0f tyf at{dfg ahf/df a}+ssf] cj:yfsf] ;DaGwdf a}+ssf] ljQLo ljj/0faf6 :ki6 ?kdf b]lvPsf] 5 .

3 ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M ;+rfns ;ldltdf k|rlnt sfg'gn] tf]s] adf]lhd lgo'Qm ug'{kg]{ :jtGq ;+rfns ;d]t u/L sDtLdf ! -Ps_ hgf dlxnf ;lxt -5_ hgfsf] ;~rfns ;ldlt /xg]5 . ;f] ;ldltdf ;d"xut k|ltlglwTj b]xfo adf]lhd x'g]5 M

;+:yfks ;d"xsf z]o/wgLx?af6 dgf]lgt jf lgjf{lrt ;~rfns # -tLg_ ;j{;fwf/0f ;d"xsf z]o/wgLx?af6 dgf]lgt jf lgjf{lrt @ -b'O{_ g]kfn /fi6« a}+sn] sfod u/]sf] Joj;flos ljz]if1af6 dgf]lgt Joj;flos ;~rfns ! -Ps_

hDdf hgf ;+rfnsx?sf] sfo{sfn $ jif{sf] x'g]5 .

Gff]6 M k|rlnt sfg"g adf]lhd lgo'Qm ug'{ kg]{ Joj;flos ljz]if1 ;+rfnsdf >LdtL h];dLg xf8f ah|frfo{ lgo'Qm x'g'ePsf]df lghn] ldlt @)& ÷)#÷!# ut] JolQmut sf/0fn] /flhgfdf lbg' eO{ ldlt @)& ÷)#÷!* ut] a;]sf] ;+rfns ;ldltsf] a}7sn] ;f]xL ldlt af6 nfu' x'g] u/L /flhgfdf :jLs[t ePsf]n] pQm kb xfn l/Qm /x]sf] 5 . ;f] ;DaGwL g]kfn lwtf]kq af]8{df ldlt @)& ÷)#÷!* ut] kq dfkm{t hfgsf/L u/fOPsf] 5 .

;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M o; a}+ssf] lgodfjnLsf] lgod !% df Joj:yf eP cg';f/ a}+ssf] ;+rfns x'gsf nflu o; a}+ssf] sDtLdf !)) -Ps ;o_ lsQf z]o/ lnPsf] x'g'kg]{5 . t/, :jtGq Jofj;flos ljz]if1 ;+rfns tyf ;+ul7t ;+:yfsf] k|ltlglwTj ug]{ ;+rfnssf] xsdf To:tf] ;+rfnsn] JolQmut x}l;otn] To:tf] Go'gtd z]o/ lng cfjZos 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"FhL M o; a}+ssf] clws[t k"FhL ?= !),%),)),)),)))÷– -cIf/]kL bz ca{ krf; s/f]8_ /x]sf] 5 . h;nfO{ k|lt z]o/ ?= !))÷— b/n] !),%),)),))) -bz s/f]8 krf; nfv_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

hf/L k"FhL M o; a}+ssf] hf/L k"FhL ?=*,**,& ,)$,%# ÷– -cIf/]kL cf7 ca{ c7f;L s/f]8 5}xQ/ nfv rf/ xhf/ kfFr ;o 5lQ; ?k}+of_ /x]sf] 5 .

r'Qmf k"FhL M o; a}+ssf] r'Qmf k"FhL ?=*,**,& ,)$,%# ÷– -cIf/]kL cf7 ca{ c7f;L s/f]8 5}xQ/ nfv rf/ xhf/ kfFr ;o 5lQ; ?k}+of_ /x]sf] 5 .

9

a}+ssf] :yfkgf kZrft k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f l;4fy{ a}+s lnld6]8sf] k"FhL ljj/0f b]xfo adf]lhd /x]sf] 5 .

cfly{s jif{ clws[t kF"hL -?_ hf/L kF"hL -?_ r'Qmf kF"hL -?_ s}lkmot @)%*÷%( !,)),)),)),)))÷– #%,)),)),)))÷– #%,)),)),)))÷– – @)%(÷ ) !,)),)),)),)))÷– #%,)),)),)))÷– #%,)),)),)))÷– – @) )÷ ! !,)),)),)),)))÷– #%,)),)),)))÷– #%,)),)),)))÷– – @) !÷ @ !,)),)),)),)))÷– #%,)),)),)))÷– #%,)),)),)))÷– – @) @÷ # !,)),)),)),)))÷– %),)),)),)))÷– %),)),)),)))÷– !% s/f]8 IPO lgisfzg @) #÷ $ !,)),)),)),)))÷– *),)),)),)))÷– ),)),)),)))÷– @) Ü xsk|b z]o/ lgisfzg

@) $÷ % !,)),)),)),)))÷– *@,*),)),)))÷– *@,*),)),)))÷– !% Ü af]gz z]o/ tyf @)Ü xsk|b z]o/

@) %÷ #,)),)),)),)))÷– !,$@,*#,)),)))÷– (%,@@,)),)))÷– !% Ü af]gz z]o/ @) ÷ & #,)),)),)),)))÷– !,%&,!!,#),)))÷– !,)(,%),#),)))÷– !% Ü af]gz z]o/

@) &÷ * #,)),)),)),)))÷– !,%&,!!,#),)))÷– !,%&,!!,#),)))÷– cf=j= @) %÷) sf] r'Qmf k"FhLdf %) Ü xsk|b z]o/

@) *÷ ( #,)),)),)),)))÷– !, !,(@,$$,#))÷– !, !,(@,$$,#))÷– # Ü af]gz z]o/ @) (÷&) #,)),)),)),)))÷– !, !,(@,$$,#))÷– !,*!,#%,%#, ))÷– !@ Ü af]gz z]o/ @)&)÷&! #,)),)),)),)))÷– !,*!,#%,%#, ))÷– @,)#,!!,*),)#@÷– !@ Ü af]gz z]o/ @)&!÷&@ #,)),)),)),)))÷– @,)#,!!,*),)#@÷– @,$#,&$,! ,)#*÷– @) Ü af]gz z]o/

@)&@÷&# !),%),)),)),)))÷– #,)@,@),&&,##*÷– $,$(, !,$#,@ ^÷–

lahg]z o'lge{;n 8]enkd]G6 a}+s;Fu dh{/ kZrft :jfk cg'kft %%M# tyf $*=&% Ü af]gz z]o/ / @% Ü xsk|b z]o/

@)&#÷&$ !),%),)),)),)))÷– , @,**,&*,($@÷– , @,**,&*,($@÷– #) Ü xsk|b z]o/ @)&#÷&$ !),%),)),)),)))÷– &,%),*&,@*,*&)÷– &,%),*&,@*,*&)÷– !) Ü xsk|b z]o/ @)&#÷&$ !),%),)),)),)))÷– *,$ ,$#,*%,@&@÷– *,$ ,$#,*%,@&@÷– !$ Ü af]g; z]o/ @)&$÷&% !),%),)),)),)))÷– *,**,& ,)$,%# ÷– *,**,& ,)$,%# ÷– % Ü af]g; z]o/

-v_ lgisfzg kl5sf] r'Qmf k"FhL -;d"xs[[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M C0fkq lgisfzg k"j{ sDkgLsf] z]o/ k"FhLsf] ;+/rgf M ;d"x z]o/wgLx? ;fwf/0f z]o/ ;+Vof kF"hL ;+/rgf -Ü_ r'Qmf /sd -?=_ e'QmfgL k|ltzt s ;+:yfks z]o/wgLx? $%,#@ ,&*#=!@ %! Ü $%,#@ ,&*#,)!@ ztk|ltzt v ;j{;fwf/0f z]o/wgLx? -sd{rf/Lx? ;d]t_ $#,%$(,@ @=@$ $( Ü $#,%$(,@ @,)@$ ztk|ltzt

hDdf **,*& ,)$%=# !)) Ü **,*& ,)$%,)#

C0f kF"hL M ljj/0f r'Qmf /sd -?_ e'QmfgL k|ltzt

* Ü P;= la= Pn l8a]Gr/ @)& #),#%,@),)))÷– zt k|ltzt &=% Ü P;= la= Pn l8a]Gr/ @)&* %),)),)),)))÷– zt k|ltzt !)=% Ü P;= la= Pn l8a]Gr/ @)*@ @,! ,@%,%(,)))÷– zt k|ltzt

hDdf @,( , ),&(,)))÷–

C0fkq lgisfzg u/L afF8kmfF8 u/] kZrft\ sDkgLsf] z]o/ k"FhL / C0fkq k"FhLsf] ;+/rgf M z]o/ kF"hL M

C0f kF"hL M

ljj/0f r'Qmf /sd -?=_ e'QmfgL k|ltzt * Ü P;= la= Pn l8a]Gr/ @)& #),#%,@),)))÷– zt k|ltzt &=% Ü P;= la= Pn l8a]Gr/ @)&* %),)),)),)))÷– zt k|ltzt !)=% Ü P;= la= Pn l8a]Gr/ @)*@ @,! ,@%,%(,)))÷– zt k|ltzt * !)=@% Ü P;= la= Pn l8a]Gr/ @)*# @,%),)),)),)))÷– lgisfzg k|s[ofdf /x]sf] .

hDdf %,$ , ),&(,)))÷– *o; ljj/0fkq dfkm{t lgisfzg ug{ nfluPsf] C0fkq .

;d"x z]o/wgLx? ;fwf/0f z]o/ ;+Vof kF"hL ;+/rgf -Ü_ r'Qmf /sd -?=_ e'QmfgL k|ltzt s ;+:yfks z]o/wgLx? $%,#@ ,&*#=!@ %! Ü $%,#@ ,&*#,)!@ zt k|ltzt

v ;j{;fwf/0f z]o/wgLx? -sd{rf/Lx? ;d]t_

$#,%$(,@ @=@$ $( Ü $#,%$(,@ @,)@$ zt k|ltzt

hDdf **,*& ,)$%=# !)) Ü **,*& ,)$%,)#

10

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M o; C0fkq lgisfzg ug'[ k"j{ a}+ssf] z]o/ lk|ldod vftfdf ? !@,@),(!,%)% -cIf?kL afx| s/f]8 la; nfv PsfGgAa] xhf/ kFfr ;o kfFr ?k}of dfq_ /x]sf] 5 . o; ljj/0fkq dfkm{t C0fkq lgisfzg u/L afF8kmfF8 u/] kZrft\ a}+ssf] z]o/ lk|ldod vftfdf ? !@,@),(!,%)% -cIf?kL afx| s/f]8 la; nfv PsfGgAa] xhf/ kfFr ;o kfFr ?k}of dfq_ g} /xg] 5 .

%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M s ;+:yfks÷;+rfnssf] k[i7e"ld M -c_cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf / Jofkf/÷Joj;fodf cg'ej M

cfwf/e't z]o/wgLx?sf] ljj/0f

l;=g+= ;+:yfkssf] gfd, y/ pd]/

/fli6«otf 7]ufgf z]o/ :jfldTj

-lsQf_ z}lIfs of]Uotf

cg'ej -k"j{ / xfn sfo{/t_

!= >L /tgnfn s]l8of %( g]kfnL lj/u+h–&, k;f{ 21,79,036 :gfts k'j{ ;+rfns, l;4fy{ a}+s ln= Jofkf/ tyf nufgL Joj;fo ;DaGwL cg'ej .

@= >L lx/fnfn s]l8of &( g]kfnL lj/u+h–&, k;f{ 20,98,070 – Joj;fo ;DaGwL cg'ej .

#= >L lr/~hLnfn cu|jfn

*$ g]kfnL sf=d=g=kf–#! 20,26,491 :gfts k'j{ cWoIf, l;4fy{ a}+s ln= pBf]u Pj+ jfl0fHo If]qdf ;+nUg .

$= >L ;ljtf s]l8of $ g]kfnL sf=d=g=kf–! 17,10,182 :gfts Jofkf/ Joj;fo ;DaGwL cg'ej .

%= >Lkjg s'df/ cu|jfn # g]kfnL sf=d=g=kf–#@ l8lNnahf/

15,65,817 – Jofkf/ Joj;fo ;DaGwL cg'ej .

= >L czf]s s'df/ ax]tL ! g]kfnL sf=d=g=kf–$ 13,84,679 – Jofkf/ tyf nufgL Joj;fo ;DaGwL cg'ej . &= >L :f'af]b tf]bL %& g]kfnL sf=d=g=kf–#! 13,51,181 :gfts Jofkf/ tyf nufgL Joj;fo ;DaGwL cg'ej . *= >L g/kt l:f+x h}g, %& g]kfnL sf=d=g=kf–! gS:ffn 12,92,604 – pBf]u Pj+ jfl0fHo If]qdf ;+nUg .

(= >L lbgfgfy s]l8of % g]kfnL lj/u+h–&, k;f{ 12,71,670 Pd=l8 ;DalGwt If]qsf] ljz]if1 .

!)= >L dbg nfn s]l8of % g]kfnL lj/u+h–&, k;f{ 12,17,161 – Jofkf/ Joj;fosf] cg'ej . !!= >L cflbTo s]l8of # g]kfnL lj/u+h–&, k;f{ 12,14,790 :gftsf]Q/ Jofkf/ Joj;fosf] cg'ej .

!@ >L dxflj/ Oge]i6d]G6 k|f=ln=

– g]kfnL sf=d=g=kf–## 12,15,900 Nffu' gx'g]

Nffu' gx'g] .

!#= >L z'/]z s'df/ ?+u6f %& g]kfnL cfb{zgu/, lj/u~h 10,74,590 – Joj;fo ;DaGwL cg'ej . !$= >L t'iff/ tf]bL # g]kfnL sf=d=g=kf–#! 11,36,219 :gftsf]Q/ Joj;fo ;DaGwL cg'ej . !%= >L e/t s'df/ tf]bL % g]kfnL sf7df08f}+ 9,82,790 :gfts Jofkf/ tyf Joj;fosf] cg'ej .

! >L k|'8]lG;on OGe]i6d]06 sDkgL k|f=ln

– g]kfnL sf7df08f}+ !#, sflndf6L,

28,71,522 Nffu' gx'g] Nffu' gx'g] .

!& >L g/]Gb| s'df/ cu|jfn

% g]kfnL lj/f6gu/ !, df]/Ë 26,20,634 :gfts pBf]u Jofkf/ If]qdf $! jif{eGbf a9Lsf] cg'ej .

;+rfnsx?sf] ljj/0f M

l;=g+= ;~rfns gfd, 7]ufgf pd]/ /fli6«otf z]o/ :jfldTj

-lsQf_ z}lIfs of]Uotf

cg'ej -k"j{ / xfn sfo{/t_

!=

>L dgf]h s'df/ s]l8of, sf7df08f}+ !#, sflndf6L,

-k|ltlglw– k|'8]lG;on OGe]i6d]06 sDkgL k|f=ln=_

-;+:yfks ;d"x_

%) g]kfnL 28,71,522

k|lj0ftf k|df0fkq tx -cfO{=sd–n]vf, cy{zf:q tyf ljQ

Joj:yfkg_

–k|aGw ;+rfns, a[h l;d]G6 k|f=ln=, –cWoIf, s]l8of OG6/g]zgn k|f=ln=, –sfo{sf/L ;+rfns, s]l8of cu{gfOh]zg k|f= ln=, –cWoIf, Dofugf skf]{/]6 ;]So'l/l6h k|f=ln=, –sfo{sf/L ;+rfns, c3f{vfFrL l;d]G6 k|f=ln=, –cWoIf, s]l8of OGe]i6d]G6 skf]{/]zg k|f=ln=, –k|aGw ;+rfns,;'Gb/ k|f]8S6 P08 ;le{;]h k|f=ln=, –cWoIf, u'/fF; l;d]G6 k|f=ln= –;+rfns,>L l:6n;\ k|f=ln= –cWoIf,;g/fO{h g]kfn km'8 P08 a]e]/]h k|f=ln=, –sfo{sf/L ;+rfns,l;4fy{ ldlg/n;\ nufotsf sDkgLx?df cfa4e} pBf]u Jofkf/, Joj;fsf] If]qdf @@ jif{eGbf a9Lsf] cg'ej

11

@= >L g/]Gb| s'df/ cu|jfn,

la/f6gu/ !, df]/Ë -;+:yfks ;d"x_

^% g]kfnL 26,20,634

la=sd= -ljifoM n]vf, cy{zf:q tyf ljQ Joj:yfkg_

–;+rfns, c?0ff]bo pBf]u k|f=ln=, –;+rfns, u0fklt d]6fsg k|f=ln=, –;+rfns, olt kf]nLs]d k|f=ln=, –;+rfns,l/nfoG; ;'k/6]s l;d]G6 k|f=ln=, –;+rfns,8]8/fh ;]jnL b]jL tf]bL :s'n df]/Ë k|f=ln nufotsf sDkgLx?df cfj4e} pBf]u Jofkf/ If]qdf $! jif{eGbf a9Lsf] cg'ej .

#=

>L lj/]Gb| s'df/ zfx k;f{ !%, aL/u~h xfn sf7df08f}–!),

k'/fgf] afg]Zj/ -;+:yfks ;d"x_

$* g]kfnL 6,14,606

Pd=la=P -ljifoM n]vf, cy{zf:q tyf ljQ Joj:yfkg_

–k|aGw ;+rfns, P;=6L= km]la|s k|f=ln=, –;+rfns, 8L=aL=O{G8i6«Lh k|f=ln=, –;+rfns,k|]li6h n'k d}6 O{G8i6«Lh k|f=ln= nufotsf sDkgLx?df cfj4e} pBf]u Jofkf/sf] If]qdf @^ jif{ eGbf a9Lsf] cg'ej .

$=

>L lbg]z z+s/ kflnv], kf]v/f (, sf:sL,

-k|ltlglw– l/Go'jn OGe]i6d]06 k|f=ln=_ -;j{;fwf/0f ;d"x_

%# g]kfnL

3,04,488

Pd=la=P -ljifoM n]vf, cy{zf:q tyf ljQ Joj:yfkg_

–;+rfns, l/nfoG; OGe]i6d]G6 P08 Dofg]hd]06 k|f=ln= tyf nufgL Joj;fodf !& jif{ eGbf a9Lsf] cg'ej .

%=

>L /fh]z s'df/ s]l8of, aL/u~h &, k;f{

-k|ltlglw– g]kfn dN6L g]zgn k|f=ln=_ -;j{;fwf/0f ;d"x_

%^ g]kfnL 803

la=sd= -ljifoM n]vf, cy{zf:q, ljQ Joj:yfkg

tyf l;=P= OG6/–OlG8of_

–;+rfns, O{Gb' z+s/ ;'u/ O{G8i6«Lh k|f=ln=, –;+rfns, olt kf]lns]d k|f=ln=, –;+rfns, a[h l;d]G6 k|f=ln=, –cWoIf, Pl;og d]l8sn sn]h P08 l6lrË xl:k6n k|f=ln= nufotsf sDkgLx?df cfj4e} pBf]u Jofkf/sf] If]qdf @^ jif{ eGbf a9Lsf] cg'ej .

Gff]6 M k|rlnt sfg"g adf]lhd lgo'Qm ug'{ kg]{ Joj;flos ljz]if1 ;+rfnsdf >LdtL h];dLg xf8f ah|frfo{ lgo'Qm x'g'ePsf]df lghn] ldlt @)& ÷)#÷!# ut] JolQmut sf/0fn] /flhgfdf lbg' eO{ ldlt @)& ÷)#÷!* ut] a;]sf] ;+rfns ;ldltsf] a}7sn] ;f]xL ldlt af6 nfu' x'g] u/L /flhgfdf :jLs[t ePsf]n] pQm kb xfn l/Qm /x]sf] 5 . ;f] ;DaGwL g]kfn lwtf]kq af]8{df ldlt @)& ÷)#÷!* ut] kq dfkm{t hfgsf/L u/fOPsf] 5 .

c=!= xfnsf z]o/wgLx?sf] ;d"x v'Ng] u/L ;+:yfksx?sf] xsdf lghx?sf] gfd, 7]ufgf tyf pgLx?n] lnPsf] z]o/ ;+VofM

qm=;= Gffd 7]ufgf z]o/ ;+Vof 1 >L lzj]z axfb'/ >]i7 gS:ffn, sf7df08f}+ 28,502

2 >L 1fg]Gb| axfb'/ ef/L afn'jf6f/,sf7df08f}+ 1,72,206

3 >L ldg axfb'/ u'?ª ef6e6]gL %, sf7df08f}+ 1,19,702

4 >L kxn dfg u'?ª ef6e6]gL %,sf7df08f}+ 1,19,517

5 >L /hgL k|wfg sf7df08f}+ 1,05,872

6 >L :fljgf /fhe08f/L dNn :fdfv':fL @(, sf7df08f}+ 9,195

7 >L ;/nf 3n] u'?ª ef6e6]gL %,sf7df08f}+ 2,57,421

8 >L :f/:jtL 3n] u'?ª ef6e6]gL %, sf7df08f}+ 1,65,487

9 >L wg /fh lul/of gofF afg]Zj/ !), sf7df08f}}+ 9,196

10 >L ?ljsf cu|jfn afuahf/, sf7df08f}+ 1,44,382

11 >L zf/bf zdf{ uf}td !), sf7df08f}+ 70,781

12 >L :f'wf cu|jfn #!, sf7df08f}+ 3,96,527

13 >L lai0f' k|;:ffb g]kfn afnfh' !^, sf7df08f}+ 50,676

14 >L sfdgf u'?ª ef6e6]gL %, sf7df08f}+ 3,07,802

15 >L /fd s'df/ lkof alGbk'/, $,tgx'F 28,502

16 >L slkn b]j pkfWofo afg]Zj/ !), sf7df08f}+ 9,193

17 >L ?kf /fhe08f/L af:faf/L # 2,63,587

18 >L lzj dfg /fhe0f/L af:faf/L # 80,548

19 >L hd'gf hf]zL af;af/L @& 714

20 >L ldg axfb'/ hf]zL af;af/L @& 1,420

21 >L zflnsf >]i7 alQ:fk'tnL (, sf7df08f}+ 60,410

22 >L s[i0f d'/f/L cu|jfn e}/xjf 3,80,032

23 >L :f/ntf >]i7 e/tk'/ 28,503

24 >L /ZdL h}g ef6e6]gL $, sf7df08f}+ 45,968

25 >L la/]Gb| /f7L la/f6gu/ 2,81,760

26 >L zDe' s'df/ sGbf]O{ la/f6gu/ !* 4,01,857

27 >L cf]d k|sfz ?ªu6f aL/u~h !# 2,56,725

28 >L cflbTo s]l8of aL/u~h& 9,60,358

29 >L lbgf gfy s]l8of aL/u~h 9,85,426

30 >L lx/f nfn s]l8of aL/u~h 17,32,835

12

31 >L dbg nfn s]l8of aL/u~h 9,60,358

32 >L k|lbk s'df/ s]l8of aL/u~h 2,87,069

33 >L :flGbk s'df/ s]l8of aL/u~h 2,87,069

34 >L :f~ho s'df/ s]l8of aL/u~h 2,87,070

35 >L :f'af]b s'df/ s]l8of aL/u~h 2,87,069

36 >L s'df/ k|:ffb pkfWofo a'9flgns07, & 1,918

37 >L k|df]bgfy Kofs'/]n sf7df08f}+ 2,95,381

38 >L /d]z s'df/ >]i7 a'4gu/ !) 9,195

39 >L r'g' v8\sf÷e08f/L a'9flgns07 9,195

40 >L lbks dfg hf]zL a'9flgns07 16,471

41 >L dbg k|:ffb pkfWofo a'9flgns07 9,195

42 >L ydg /fh clwsf/L a'9flgns07 9,195

43 >L ;/f]h zdf{ a'9fgLns07 4,35,764

44 >L hlgh gf/fo0f >]i7 ldngrf]s !!, a'6jn 28,502

45 >L xl/ df]xg zdf{ rGb| lu/L 35,497

46 >L dbg sfhL dfgGw/ bxrf]s, ^ 31,736

47 >L cf]d /fh >]i7 bdf}nL,d]g/f]8 28,502

48 >L l/tf dNn bdf}nL,ef]n]{6f/ 9,195

49 >L z+s/ axfb'/ 3lt{ bdf}nL,k'/fglbxL 9,195

50 >L a}s'07 gfy ld> sfnLsfdfu{ bdf}nL 28,502

51 >L xl/ /fd >]i7 sfnLsfdfu{ bdf}nL 28,502

52 >L /d]z s'df/ >]i7 d]g/f]8 bdf}nL 9,195

53 >L dxfb]j zdf{ wfkf:fL, % 2,081

54 >L df]xg k|:ffb kf}8]n b]ljgu/, !) 9,193

55 >L kjg s'df/ cu|jfn l8lNnahf/, #@ 15,65,817

56 >L sNkgf lkof 8'd|] alGbk"/ 28,502

57 >L /fh s'df/ >]i7 uf]/vsfnL, !) ufvf{ 9,195

58 >L :fGtf]if u'?ª sf:sL 8,451

59 >L cldt k|:ffb yfGh' afuahf/, sf7df08f}+ 28,502

60 >L cfgGb dfg 8+uf]n nflhDkf6,sf7df08f}+ 713

61 >L lai0f' axfb/ u'?ª r'Rr]kf6L &, sf7df08f}+ 9,195

62 >L lbks axfb'/ u'?ª k'tnL;8s, sf7df08f}+ 1,69,622

63 >L xif{ aw{g cu|jfn afuahf/, #! sf7df08f}+ 1,47,911

64 >L h]d hf]zL sf7df08f}+, @& 714

65 >L h]ld hf]zL sf7df08f}+, @& 714

66 >L s]bf/ gfy lqkf7L a'9flgns07, sf7df08f}+ 9,195

67 >L /fh]Gb| s'df/ cu|jfn sf7df08f}+ 5,21,940

68 >L /fd rGb| v]tfg alQ;k'tnL (, sf7df08f}+ 18,387

69 >L Zofd z'Gb/ cu|jfn ldqkf{s, sf7df08f}+ 6,63,850

70 >L cleif]s 8+uf]n nflhDkf6, sf7df08f}+ 714

71 >L cRo't k|:ffb kf}8]n alQ;k'tnL (,sf7df08f}+ 37,590

72 >L clgn s'df/ >]i7 sf7df08f}+ 84,839

73 >L cg'k s'df/ >]i7 sf7df08f}+, ## 1,38,112

74 >L czf]s s'df/ ax]tL sf7df08f}+, $ 10,43,871

75 >L cfTdf s[i0f >]i7 afnfh', !^, sf7df08f}+ 40,276

76 >L a]g' /fd k|wfg sf7df08f}+, !% 9,196

77 >L e'jg s;df/ h}g sf7df08f}+, !! 1,02,491

78 >L ljgo s'df/ zfx sf7df08f}+, !) 4,80,350

79 >L lagf]b s'df/ cu|jfn sf7df08f}+ !@, 6]s' 6,51,090

80 >L la/]Gb| s'dff/ zfx sf7df08f}+ !), afg]Zj/ 5,79,536

81 >L la/]Gb| gf/fo0f >]i7 sf7df08f}+ 1,42,132

82 >L lr/~hL nfn cu|jfn sf7df08f}+, #! 14,76,438

83

>L xfyj] Oge]i6d]G6 g]kfn ;+rfnsx?M s_ >L x]d /fh 9sfn

v_ >L clDasf k|;fb kf}8]n u_ >L Gfj/fh g]kfn 3_ >L sdn k|;fb cof{n

hdn sf7df08f}+ 1,19,518

84 >L hulbz s'df/ cu|jfn sf7df08f}+, ! 5,44,932

85 >L s[i0f /fh k/fh'nL sf7df08f}+, !) 1,57,847

86

>L dxflj/ Oge]i6d]G6 k|f=ln= ;rf+nsx?M s_ >L t'iff/ tf]bL

v_ >L cleif]s cu|jfn sf7df08f}+, ##

8,85,869

13

87 >L dGbL/f >]i7 sf7df08f}+ 42,749

88 >L dgf]h s'df/ cu|jfn sf7df08f}+, #! 1,91,485

99 >L gf/fo0fdfg /fhe08f/L sf7df08f}+, # 1,28,871

90 >L g/kt l:f+x h}g gS:ffn,sf7df08f}+ 10,91,326

91 >L gljg cu|jfn afg]Zj/ sf7df08f}+ 14,962

92 >L kjg s'df/ ;/f{km s'n]Zj/ sf7df08f}+ 9,193

93 >L k'gd rGb cu|jfn sf7df08f}+ 4,67,041

94 >L k|'|8]G:fLon Oge]i6d]G6 sDkgL k|f=ln= ;+:yfksx?M s_ >L k'ikf b]jL s]l8of

v_ >L Tff/f rGb s]l8of sf7df08f}+, !

20,92,104

95 >L /ljGb| dfg hf]zL sf7df08f}+ (, uf}zfnf 57,003

96 >L /fx'n cu|jfn wf]ljvf]nf,sf7df08f}+ 1,66,257

97 >L /fh]Gb| k|;fb sfo:y sf7df08f}+ #, dxf/fhu~h 9,194

98 >L /fd z/0f cof{n sf7df08f}+ ( 50,673

99 >L /tg nfn s]l8of sf7df08f}+ !# 17,22,375

100 >L ?kf >]i7 sf7df08f}+ !^, Affnfh' 58,406

101 >L :fflaqL df:s] sf7df08f}+ ##, /fw]dfu{ 2,009

102 >L :flxn cu|jfn sf7df08f}+ $, afn'jf6f/ 1,24,453

103 >L :f+lutf sf]7f/L /fv]rf sf7df08f}+ !, 1fg]Zj/ 18,387

104 >L :f+lutf vqL ;fg]kf @, nlntk'/ 56,908

105 >L ;Gtf]if /f7L sf7df08f}+ 3,65,366

106 >L zj]{Gb| gfy z'Sn sf7df08f}+ 1,69,908

107 >L :fljtf s]l8of sf7df08f}+ ! 13,59,518

108 >L zf/bf df:s] OZj/dfu{ ##, sf7df08f}+ 32,222

109 >L zf]ef b]lj >]i7 sf7df08f}+ ## 1,60,096

110 >L :f[hgf zdf{ z'Sn afn'jf6f/,$,sf7df08f}+ 44,270

111 >L :f'af]b tf]bL sf7df08f}+ #! 9,65,337

112 >L :f'hLt cu|jfn sf7df08f}+ #! 2,09,790

113 >L :f'lgn cu|jfn afuahf/, #! sf7df08f}+ 63,271

114 >L z'/]:f rGb| cu|jfn sf7df08f}+ #! 3,60,748

115 >L :f'of]u sdf{rfo{ sfnLdf6L !#, sf7df8f}+ 35,272

116 >L lji0f' /fh df:s] Ozj/dfu{ ##, sf7df08f}+ 70,534

117 >L hulbz cu|jfn l8lNnahf/ #@, sf7df08f}+ 29,181

118 >L la/]Gb| ah|frfo{ v'l:fa', sf7df08f}+ 9,195

119 >L sljGb| axfb'/ >]i7 k'Nrf]s,#,sf7df08f}+ 5,21,940

120 >L /d]z h+u yfkf k'Nrf]s !, sf7df08f}+ 17,465

121 >L lzlz/gfy 1jfnL nlntk'/ @ 9,053

122 >L z'bz{g axfb'/ l:f+x afU8f]n, nlntk'/ 36,232

123 >L lqnf]s gl:f{ªu\ zfSo gfsfaflxn !^, nlntk'/ 82

124 >L 8f]n /fh zdf{ nflhDkf6,sf7df08f}+ 18,387

125 >L bfdf]b/ k|:ffb uf}td dxfnIdLdfu{, % 3,28,288

126 >L pT:fj dfg >]i7 sf7df08f}+ $ 42,749

127 >L :fGtf]if h}g gS:ffn, sf7df08f}+ 45,968

128 >L dlgif h}g gS:ffn,sf7df08f}+ 4,74,490

129 >L k|Nxfb s'df/ sfsL{ gofF g}sfk @, sf7df08f} 713

130 >L k'0o k|:ffb Gof}kfg] gofF afg]Zj/, !) sf7df08f}}+ 1,544

131 >L c?0ff u'?ªu\ Go'Knfhf,sf7df08f}+ 1,69,619

132 >L :sfO{ 6r Oe]i6d]G6 P08 sG:fn6]G6 s_ >L clDasf k|;fb kf}8]n– ;+:yfks

kfgLkf]v/L, sf7df08f}+ 56,010

133 >L ljZj gfy :ffx k:ff{ !% 18,084

134 >L alatf t'nfrg sfo:y dx]Gb|k'n,kf]v/f 57,920

135 >L a]b k|:ffb a/fn kf]v/f @, sf:sL 13,691

136 >L lagf]b sfo:y kf]v/f ( 2,05,202

137 >L lbks /fh l:fUb]n l:fdnrf}/ *, kf]v/f 43,309

138 >L u0f]z /fh clwsf/L kf]v/f ^, sf:sL 56,998

139 >L u+uf af:tf]nf km'naf/L !!, kf]v/f 9,195

140 >L ldng s'df/ j}B kf]v/f @# 1,56,575

141 >L g/]z z+s/ kflnv] kf]v/f (, sf:sL 3,07,799

142 >L lg/ :f'Aaf u'?ª kf]v/f 99,567

143 >L kfg axfb'/ u'?ª l;4fy{ rf]s kf]v/f 26,202

144 >L k|u]z sfo:y kf]v/f (,sf:sL 56,999

145 >L /Ltf hf]zL kflnv] kf]v/f ( 99,290

14

146 >L ?kgf s'df/L lx/frg kf]v/f ( 7,073

147 >L :fflns/fd l3ld/] kf]v/f #,sf:sL 1,13,999

148 >L :f~ho nefh' dx]Gb|k'n (,kf]v/f 9,195

149 >L :fj{lht clwsf/L /fddfu{ !),kf]v/f 28,502

150 >L Zofd s'df/ zdf{ kf]v/f (, sf:sL 67,593

151 >L lbg]z z+s/ kflnv] kflnv]rf]s #, kf]v/f,sf:sL 1,99,776

152 >L ho axfb'/ u'?ª :fefu[xrf]s,kf]v/f 28,502

153 >L lhjg s'df/ z]/rg kf]v/f !& 28,502

154 >L l/j axfb'/ yfkf kf]v/f #$ 68,370

155 >L :f]nj]h l8kf6{d]G6n :6f]:f{ ;+:yfksM >L z'lzn k|wfgf‹

kf]v/f $ sf:sL 1,14,004

156 >L :fl:f{h >]i7 kflnv] kflnv]rf]s #, kf]v/f,sf:sL 2,89,951

157 >L z'lznf k/fh'nL a/fn kf]v/f $, sf:sL 1,25,385

158 >L nIdL gfy clwsf/L kf]v/f, km'naf/L !!, sf:sL 28,502

159 >L /fh s'df/ l6j8]jfn k'tnL;8s, sf7df08f}+ 5,21,942

160 >L :f~ho s'df/ :ff/bf /fhlj/fh ! 455,079

161 >L :f'/]Gb| s'df/ :ff/bf /ftf]k'n ##,sf7df08f}+ 1,56,606

162 >L ?ks dfg hf]zL :ffdfv':fL, sf7df08f}+ 9,194

163 >L k'?iff]Qd :ffu/ dxh{g :ffdfv':fL @(, sf7df08f}+ 2,129

164 >L sdn /fh slg{sf/ >Lcfb{:f dfu{ !* 3,536

165 >L rGrn b]lj h}g >Ldfu{ @ 45,968

166 >L d's]z vGbg >]i7 :f'Gwf/f &, sf7df08f}+ 1,65,449

167 >L lglvn uf]on :f'g:f/L,@ 1,24,453

168 >L zlz u'?ª l:f+x 6+ufn,sf7df08f}+ 9,195

169 >L g/]Gb| s'df/ cu|jfn 6]s', !@,sf7df08f}+ 25,57,491

170 >L nId0f 1jfnL ltnf]Qdf, ^, ?kGb]xL 9,034

171 >L cg'h s'df/ af:tf]nf kf]v/f ( 47,806

172 >L ch'{g kf]v/]n sf:sL ( 9,196

173 >L ad axfb'/ u?ª cfe'v}/]lg ^ 9,196

174 >L e/t s'df/ tf]bL sf7df08f}+ 6,79,945

175 >L lagf]b axfb'/ /fhe08f/L dxfaf}4, sf7df08f}+ 3,533

176 >L la/ axfb'/ u'?ª 3fGb'|s * 4,337

177 >L lai0f' axfb'/ yfkf :ff/fªsf]6, sf:sL & 56,999

178 >L rGb| dfg u'?ª kf]v/f ! 1,28,252

179 8f=/3'a+z lqkf7L bdf}nL ! 9,196

180 8f=clndf hf]g kf]v/f !) 57,000

181 >L b'8 /fh vgfn lzjk'/L ( 9,195

182 >L uf]kfn k|:ffb a/fn kf]v/f & 9,195

183 >L xl/ k|:ffb zdf{ lws'kf]v/L % 9,195

184 >L lhjg pk|]tL u}nb'af $ 50,888

185 >L emns dfg sfo:y kf]v/f $ 57,000

186 >L lht]Gb| afx]lt sf7df08f}+ 1,56,583

187 >L s[i0f s'df/ >]i7 kf]v/f !& 9,196

188 >L dx]Gb| alhdo kf]v/f @ 52,403

189 >L dx]z k/fh'nL kfTn]v]t @ 9,195

190 >L d~h' cu|jfn sf7df08f}+ 59,757

191 >L z}n]Gb|gfy z'Sn l;4fy{gu/–)^, ?kGb]xL 44,271

192 >L d]3 gfy sfkm\n] sf7df08f}+ * 56,998

193 >L gf/fo0f ahfh k'tnL:f8s, sf7df08f}+ 12,304

194 >L gf/fo0f k|:ffb ;'j]bL kf]v/f @ 9,196

195 >L g/]Gb| e§/fO{ 1g]Zj/, !, sf7df08f}+ 28,218

196 >L k|sfz dfg u'efh' kf]v/f !, sf:sL 9,196

197 >L k|LtL Tofn sf7df08f}+ 1,41,964

198 >L k'0f{ dfg hf]zL @( ;fdfv':fL, sf7df08f}+ 1,85,159

199 >L /fwf :f'a]bL l9s'kf]v/L @, sf:sL 1,59,637

200 >L /fd s[i0f yfkf % r/Lsf]6 6,502

201 >L /fd k|:ffb clwsf/L kf]v/f (, sf:sL 9,196

202 >L /d]z z+s/ >]i7 :ffg]kf #, nlntk'/ 17,680

203 >L /fdhL k|:ffb af:tf]nf dx]Gb|k'n (,kf]v/f, sf:sL 18,389

204 >L :ffu/ yklnof sf7df08f}+ # 9,195

205 >L :fflns /fd clwsf/L kf]v/f (, sf:sL 9,196

15

206 >L :fl/tf hf]zL sf7df08f}+ @( 18,387

207 >L zfGtf a/fn kf]v/f * 9,196

208 >L z]/ axfb'/ >]qL s'k08f]n 56,465

209 >L :f'lgn axfb'/ e§/fO{ kf]v/f ^, sf:sL 9,195

210 >L :f'hg >]i7 l8NnLahf/, sf7df08f}+ 80,574

211 >L :f'/]Gb| k|:ffb l:fUb]n la=kL= dfu{ !#, kf]v/f 42,750

212 >L t]h axfb'/ u[?ª 3fGb|'s &, sf:sL 52,403

213 >L ob' gfy clwsf/L sf7df08f}+ 39,912

214 >L c~h' uf]:ffnL kf]v/f !) 28,502

215 >L czf]s >]i7 ledkm]bL $ 3,23

216 >L afa' nfn hf]zL bdf}nL @ 28,501

217 >L b]j s'df/ >]i7 /D3f % 28,502

218 8f=cfgGb axfb'/ >]i7 rf}t/f, * 28,502

219 8f= z'/]z yfkf b'n]uf}8f & 28,501

220 >L uf]ljGb k|:ffb d}gfnL afg]Zj/, sf7df08f}+ 8,025

221 >L huGgfy >]i7 hf]/kf6L !$ 150

222 >L s[i0f s'df/L u'?ª kf]v/f *, sf:sL 28,501

223 >L lnnf k/fh'nL lrKn]9;+uf $, kf]v/f 28,502

224 >L lnnf z]/rg DofUbL ! 28,501

225 >L gf/fo0f k|:ffb a/fn kf]v/f *, sf:sL 28,502

226 >L lg/h hf]zL kf]v/f *, sf:sL 87

227 >L k|]d /fh÷ >L aGbgf zdf{ nf]xgL sf7df08f}+ $ 48,600

228 >L k'0f{ axfb'/ u'?ª kf]v/f ( 52,404

229 >L /ljGb| gfy zdf{ gjnk/f:fL 3,92,591

230 >L /fh]Zj/ >]i7 kf]v/f &, sf:sL 28,501

231 >L :f/f]h gf/fo0f a/fn kf]v/f &, sf7df08f}+ 28,502

232 >L z+s/ k/fh'nL lrKn]9'+uf $, kf]v/f 26,203

233 >L lzj axfb'/ yfkf kf]v/f !@, sf:sL 28,502

234 >L ;'Gb/k|:ffb >]i7 afg]Zj/,#$,sf7df08f}+ 3,533

235 >L z'/]z s'df/ ?+u6f cfb{zgu/ lj/u~h 7,82,916

236 >L piff e§/fO{ clwsf/L kf]v/f ^ 28,502

237 >L piff b]lj 1jfnL gS:ffn,sf7df08f}+ ! 70,676

238 >L Uff]kfn u'?Ë kf]v/f * 84,630

239 >L t'iff/ tf]bL sdnfbL, sf7df08f} 8,49,013

240 >L dl0fb]j e6\/fO{ l8NnLahf/, sf7df08f} 50,656

241 >L zs'Gtnf s'df/L yfkf sfsL{ sf=d=g=kf=(, sf7df08f} 1,40,176

242 >L d's]z s'df/ /f7L lj/f6gu/–*,df]/Ë 2,60,966

243 >L xlif{t cu|jfn ;fg]kf–@ 57,446

244 >L CifL 7fs'/ hgsk'/ ^ 13,020

245 >L lggf s'df/L >]i7 sn}of ^ 1,04,872

246 >L ?lSd0fL a:g]t sf7df08f} #$ 1,12,008

247 >L /fh]Gb| s'df/ sfa/f gS;fn, sf7df08f} 94,438

248 >L cfnf]s cu|jfn d}ltb]lj, sf7df08f}+ 20,867

249 >L ;+lutf s'df/L /fhla/fh 1,05,000

250 >L ;+lutf dfgGw/ kl;sf]6, %,sf7df08f}+ 91,140

251 >L /tg s'df/ rf}w/L Onfdahf/,!, Onfd 41,749

252 >L /fx'n ahfh wfkfl;, ##,sf7df08f} 51,262

253 >L sNkgf sfkm\n] 6f]vf wfkfl;, sf7df08f}+ 10,076

254 >L sNofg u'?ª ef6e6]lg,%, sf7df08f}+ 45,968

255 >L alg/f sfsL{ Hffjnfv]n, #, nlntk'/ 38,225

256 >L n]v /fHo nIdL vfg sf7df08f}+ $ 73,618

257 >L ljgf]b s'df/ v]tfg afg]Zj/,sf7df08f}+ 46,414

258 >L lbks ahfh wfkfl;, sf7df08f} 1,04,370

259 >L Zofd ;'Gb/ v]tfg afg]Zj/,sf7df08f}+ 1,29,512

260 >L lgd{nf >]i7 x]6f}8f–)$, dsjfgk'/ 6,454

261 >L k'ikf~hnL OG6/g]zgn k|f=ln sdnfbL, sf7df08f} 10,304

262 >L u+ufw/ k/fh'nL kf]v/f, sf:sL 15,000

263 >L /fd/fh k/fh'nL kf]v/f, sf:sL 9,150

264 >L ;'/h clwsf/L sf7df08f}–!!, lqk'/]Zj/ 30,000

gf]6 M Fractional z]o/ ! @=** lsQfsf sf/0fn] ubf{ ;+:yfks z]o/sf] r'Qmf k'FhLdf km/s kg{ uPsf] .

16

-cf_ ;+: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 JolQm gv'n];Dd_ M

qm=;+= sDkgL÷;+:yfsf] gfd 7]ufgf ;+lIfKt ljj/0f ;~rfnsx?sf] gfd, 7]ufgf z]o/ :jfldTj -lsQf_

! >L dxfla/ OGe]i6d]G6

k|f=ln=

sf=d=g=kf–#@, k'tnL;8s, sf7df08f}+

sDkgL P]g, @)%# -;+zf]lwt @) #_ adf]hd ldlt @)%( h]7 & ut] :yflkt o; dxfla/ OGe]i6d]G6 k|f=ln sf=d=g=kf j8f g+ #@ /fwfs'6L cfs]{8, k'tnL;8s sf7df08f}+df /lhi68{ /x]sf] 5 . k|fO{e]6 sDkgLsf] ?kdf :yflkt o; sDkgLsf] ljljw Ph]G;L tyf ;]jf ;DaGwL sfd ug]{, ljleGg pBf]u, sDkgL tyf kmd{x?df nufgL ug]{ h:tf ljljw p2]Zox? /x]sf 5g .

;+:yfks÷;+rfns M – t'iff/ tf]bL, sf7df08f}+ . – clez]if cu|jfn, sf7df08f}+ .

12,15,900

@

>L k|''8]lG;on OGe]i6d]06 sDkgL

k|f=ln=

sf=d=g=kf–!# sdnfbL, sf7df08f}+

sDkgL P]g, @) # adf]hd ldlt @)%( h]7 !#, :yflkt o; k|''8]lG;on OGe]i6d]06 sDkgL k|f=ln= sf=d=g=kf –!# sdnfbL sf7df08f}+df cjl:yt /x]sf] 5 . k|fO{e]6 sDkgLsf] ?kdf :yflkt o; sDkgLsf] ljleGg sDkgL tyf kmd{x?df z]o/ tyf l8a]Gr/df nufgL ug]{, Ph]G;L tyf ;]jf ;DaGwL sfd ug]{, nufgL Joj:yfkg tyf ;a} lsl;dsf k/fdz{ ;DaGwL ;]jf p2]Zo /x]sf] 5 .

;+:yfks÷;+rfns M – k'ikf b]jL s]l8of, hdn, sf7df08f}+ .

– tf/f rGb s]l8of, hdn, sf7df08f}+ .

28,71,522

# >L xfyj] OGe]i6d]G6

g]kfn

sf=d=g=kf j8f g+ #), hdn, sf7df08f}+

sDkgL P]g, @) # adf]hd ldlt @) % r}q !$ ut] :yflkt o; xfyj] OGe]i6d]G6 g]kfn sf=d=g=kf j8f g+ #) hdn, sf7df08f}+df /lhi68{ /x]sf] 5 . pTkfbgd'ns Pj+d cGo sDkgLx?sf] ;+:yfkgf ug]{, To:tf sDkgLx?sf] z]o/df nufgL ug]{ tyf To:tf sDkgLx?n] hf/L ug]{ z]o/, l8a]Gr/ nufot cGo lwtf]kqx?df nufgL ug]{ tyf vl/b laqmL ug]{, l/on:6]6 Joj;fodf nufgL u/L lghL, ;/sf/L tyf ljleGg ;+3 ;+:yfsf] hUuf vl/b u/L jf lnhdf lnO{ pQm hUufdf 38]/L ljsf; u/L laqmL lat/0f ug]{ h:tf ljljw p2]Zox? /x]sf 5g .

;+:yfks÷;+rfns M – x]d /fh 9sfn, sf7df08f}+ – clDasf k|;fb kf}8]n, sf7df08f}+

– gj/fh g]kfn, sf7df08f}+ . – sdn k|;fb cof{n, sf7df08f}+ .

1,87,860

$

>L :sfO{ 6r Oge]i6d]06 P08 sG;N6]G6 k|f=ln=

sf=d=g=kf j8f g+ #, kfgLkf]v/L,

sf7df08f}+

sDkgL P]g,@) # adf]hd :yflkt o; :sfO{ 6r Oge]i6d]06 P08 sG;N6]G6 k|f=ln, sf=d=g=kf j8f g+ #, kfgLkf]v/L sf7df08f}+df /lhi68{ /x]sf] 5 . ;a} If]qsf sDkgLx?sf] k|fylds tyf bf];|f] ahf/ dfkm{t z]o/ vl/b laqmL ug]{, ;/sf/L C0fkq, artkq tyf cGo k|sf/sf lwtf]kqx?df nufgL ug]{, tyf vl/b laqmL ug]{, nufgL Joj:yfkg tyf ;a} lsl;dsf k/fdz{ ;DaGwL ;]jf k|bfg ug]{ h:tf ljljw p2]Zox? /x]sf 5g .

;+:yfks÷;+rfns M – clDasf k|;fb kf}8]n, sf7df08f}+ .

56,080

% >L ;]nj]h l8kf6{d]G6n

:6f];{

lrKn]9'Ëf–$ sf:sL

sDkgL P]g, @) # adf]hd :yflkt o; ;]nj]h l8kf6{d]G6n :6f];{, kf]v/f lrKn]9'Ëf–$, sf:sLdf /lhi68{ /x]sf] 5 . o; sDkgLsf] p2]Zo ljleGg sDkgL, a}+s tyf ljlQo ;+:yf tyf ;+ul7t ;+:yfx?sf z]o/, l8a]Gr/df nufgL ug]{,To:tf] z]o/, l8a]Gr/ laqmL ug]{, k/fdz{ ;]jf k|bfg ug]{ /x]sf] 5 .

;+:yfks÷;+rfns M – ;'lzn k|wfgfË, sf7df08f}+ .

1,14,358

^ >L k'ikf~hnL

OG6/g]zgn k|f=ln=

sf=d=g=kf–@@ Go'/f]8 sf7df08f}+

sDkgL P]g, @) # adf]hd :yflkt o; k"ikf~hnL OG6/g]zgn k|f=ln Go'/f]8 sf7df08f}+}df /lhi68{ /x]sf] 5 . k|fO{e]6 sDkgLsf] ?kdf :yflkt o; sDkgLsf] ljleGg sDkgLsf] ;]o/ tyf C0fkqdf nufgL ug]{ h:tf ljljw p2]Zox? /x]sf 5g .

;+:yfks÷;+rfns M – lbks ahfh, sf7df08f}+

13,556

dfly pNn]lvt ;a} ;+:yfx? sDkgL /lhi6«f/sf] sfof{nodf cWofjlws ul/Psf] Joxf]/f a+}{ssf] hfgsf/Ldf cfPsf] .

17

-O_ ;+ul7t ;++:yfsf] ;+rfns cGo s'g} sDkgL ,;++:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;+rfns / cfa4 ePsf] ;+:yfsf] gfd, 7]ufgfM sDkgLsf ;+rfnsx? cfaå /x]sf cGo sDkgL, ;+:yf, sf]if, ;+u7g jf kmd{x?sf] ljj/0f b]xfo cg';f/ 5 M qm=;+= gfd ;~rfnsx? cfa4 /x]sf sDkgL, ;+:yf, sf]if, ;+u7g jf kmd{x?sf] ljj/0f

! >L dgf]h s'df/ s]l8of

— a[h l;d]G6 k|f=ln=, cvlnof /f]8 la/u~h . — s]l8of OG6/g]zgn k|f=ln=, sdnfbL, sf7df08f} . — s]l8of cu{gfOh]zg k|f= ln,sdnfbL, sf7df08f} . — c3f{vFfrL l;d]G6 k|f=ln, yfkfynL, sf7df08f} . — s]l8of OGe]i6d]G6 skf]{/]zg k|f=ln, sdnfbL, sf7df08f} . — ;'Gb/ k|f]8S6 P08 ;le{;]h k|f=ln, sf7df08f}, g]kfn . — Dofugf skf]{/]6 ;]So'l/l6h k|f=ln, sf7df08f}, g]kfn . — u'/fF; l;d]G6 k|f=ln, sf7df08f}, g]kfn . — >L l:6n;\ k|f=ln, sf7df08f}, g]kfn . — ;g/fO{h g]kfn km'8 P08 a]e]/]h k|f=ln, sf7df08f}, g]kfn .

@ >L g/]Gb| s'df/ cu|jfn

— c?0ff]bo pBf]u k|f=ln=, la/f6gu/, g]kfn . — u0fklt d]6fsg k|f=ln=, ;'g;/L, g]kfn . — olt kf]nf]s]d k|f=ln=, sf7df08f}, g]kfn . — l/nfoG; ;'k/6]s l;d]G6 k|f=ln=, afudtL RofDa/, 6]s' . — 8]8/fh ;]jnL b]jL tf]bL :s'n df]/Ë k|f=ln, la/f6gu/, g]kfn .

# >L lj/]Gb| s'df/ zfx

— P;=6L= km]la|s k|f=ln=, 1fg]Zj/, sf7df08f}++ . — 8L=aL=O{G8i6«Lh k|f=ln=, k'/fgf] afg]Zj/, sf7df08f} . — k|]li6h n'k d}6 O{G8i6«Lh k|f=ln=, k'/fgf] afg]Zj/, sf7df08f} .

$ >L lbg]z z+s/ kflnv] — l/nfoG; OGe]i6d]06 P08 d]g]Hd]06 k|f=ln=, sf7df08f}, g]kfn .

% >L /fh]z s'df/ s]l8of

— O{Gb' z+s/ ;'u/ O{G8i6«Lh, sflndf6L, sf7df08f} . — olt kf]lns]d k|f=ln, afudtL RofDa/, 6]s' . — a[h l;d]G6 k|f=ln, cvlnof /f]8 la/u~h . — Pl;og d]l8sn sn]h P08 l6rLË xl:k6n k|f=ln, la/u+h, k;f{ .

sDkgLsf ;~rfnsx?sf] ;DaGwdf ;~rfnsx?af6 ;"rLs[t ;+ul7t ;+:yfx?sf] ;'zf;g ;DaGwL lgb]{lzsf @)&$ cg';f/sf k|jwfgx? tyf sDkgL P]g @) # sf] bkmf *( sf] pkbkmf -!_ 5 df pNn]lvt k|fjwfgx?sf] k"0f{ ?kdf kfngf ePsf] 5 . -O{_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M

l8a]Gr/ / cGo lwtf]kqsf] xs x:tfGt/0fdf ;+:yfks÷;~rfnsnfO{ s'g} aGb]h g/x]sf] . -p_ lgisfzg ul/g] l8a]Gr/ ;+Vof

o; ljj/0fkq dk{mt ;ft jif{ cjlw tyf jflif{s !)=@% k|ltzt Aofhb/ ePsf] k|lt l8a]Gr/ ?=!,)))÷– c+lst d"Nosf @% nfv lsQfn] x'g cfpg] ?=@ ca{ krf; s/f]8 a/fa/sf] C0fkq dWo] ) k|ltzt cyf{t !% nfv lsQfsf] s'n ?= ! ca{ %) s/f]8 C0fk"FhL a/fa/sf] /sd kl/kq ljlwaf6 (Private Placement) af6 laqmL ul/g] tyf $) k|ltzt cyf{t !) nfv lsQfsf] s'n ?= ! ca{ C0fk"FhL a/fa/sf] /sd -%Ü cyf{t %),))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisfzgaf6 laqmL ljt/0f ul/g] 5 .

pm_ C0fkq lgisfzg ug]{ ;DaGwdf ;fwf/0f ;efn] u/]sf] lg0f{o tyf ;fwf/0f ;ef ;DkGg ePsf] ldlt M a+}ssf] lgodfjnLsf] bkmf #% cg';f/ C0f jf l8a]Gr/ hf/L ug{'kg]{ ePdf g]kfn /fi6« a}+saf6 :jLs[lt lnO{ k|rlnt sfg"gsf] clwgdf /xL ;+rfns ;ldltn] lg0f{o u/L hf/L ug{ ;Sg] Joj:yf eP adf]lhd a+}ssf] ldlt @)& ÷)!÷)* df a;]sf] #!# cf+} ;+rfns ;ldlt a}7ssf] lg0f{o adf]lhd !)=@% k|ltzt Aofh lbg] u/L ;ft jif{ cjlwsf] nflu ?= @ ca{ %) s/f]8 a/fa/sf] @% nfv lsQf l8a]Gr/ hf/L ug]{ lg0f{o u/]sf] 5 . pQm lg0f{onfO{ g]kfn /fi6« a}+saf6 ldlt @)& ÷)!÷#) ut] :jLs[lt k|fKt ePsf] 5 . pk/f]Qm @ ca{ %) s/f]8 /sdsf] C0fkqdWo] ?= ! ca{ %) s/f]8 a/fa/sf] lgisfzg kl/kq ljlw / aFfsL ?= ! ca{ a/fa/sf] ;fj{hlgs lgisfzg dfkm{t laqmL ljt/0f ul/g]5 .

v= ;+:yfks÷;~rfns;Fusf] sf/f]af/ M -c_ ;+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 / d"No / To:tf] ;'ljwf lbP jfkt a}+sn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M jflif{s ;fwf/0f ;efaf6 kfl/t ;'ljwf afx]s cGo ;'ljwf k|bfg gul/Psf] .

-cf_ aF'bf -c_ df pNn]lvt j:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M;f] gePsf] .

18

^= ;Lldt bfloTj ;DaGwL Joj:yf M o; a}+s sDkgL P]g, @) # cGtu{t ;+:yflkt tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)&#, cGtu{t ;+rflnt klAns lnld6]8 sDkgL xf] . o;df z]o/wgLx?sf] bfloTj lghn] vl/b u/]sf] jf vl/b ug{ sa'n u/]sf] z]o/sf] clwstd /sd;Dd ;Lldt /xg]5 .

&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M

s=;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M

-c_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf] sfdsf] cg'ej tyf ;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx? cGo s'g} ;"rLs[t ;+ul7t ;++:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo s'g} ;+ul7t ;+:yfdf u/]sf] nufgL ;DaGwL ljj/0f M

qm=;= sd{rf/Lsf] gfd tx of]Uotf lgo'Qm ldlt sfo{ cg'ej

! >L zDe'gfy

uf}td k|d"v sfo{sf/L

clws[t :gftsf]Q/

!) cui6 @)!&

>L zDe'gfy uf}tdsf] a}lsË If]qdf #! jif{ eGbf nfdf] cg'ej /x]sf] 5 . s[lif ljsf; a}+sdf shf{ clws[t sf] ?kdf ldlt @)$# ;fndf a}+sdf k|j]z ug'{ ePsf] tyf ldlt @)$$ ;fndf glan a}+s lnld6]8sf] zfvf k|aGws b]vL shf{ ljefusf] k|d'v eO{ ljleGg Joj:yfksLo txdf /xL !$ jif{ sfd ug'{ ePsf] cg'ej /x]sf] 5 . pxfF l;4fy{ a}+s lnld6]8df :yfkgfsfnb]lv g} pRr Joj:yfksLo txdf /lx shf{ nufgL tyf dfs]{6LË sfo{sf] k|d'v Joj;fo clws[t eO{ sfd ub}{ ldlt @)&$ >fj0f @ ut] b]lv k|d'v sfo{sf/L clws[tsf] ?kdf sfo{/t /xg' ePsf] 5 . a}+ssf] Joj;fo lj:tf/ tyf /0flglts of]hgf sfo{df pNn]vgLo e'ldsf v]Nb} g]kfnsf] cu|0fL a}+s agfpg] sfo{df cu|;/ x'b} cfO{/xg' ePsf] 5 .

@ >L ;'Gb/ k|;fb

s8]n

gfoa k|d"v sfo{sf/L clws[t

:gftsf]Q/ #) cS6f]a/ @))%

>L ;'Gb/ k|;fb s8]nsf] a}lsË If]qdf @& jif{ eGbf nfdf] cg'ej /x]sf] 5 . glan a}+s lnld6]8sf] ljleGg Joj:yfksLo txdf /xL ;+rfng, 6«]8 kmfOgfG;, ljk|]if0f,6]«h/L shf{ ljz]if1sf] If]qdf sfd ug'{ ePsf] tyf xfn l;4fy{ a}+sdf ;Dk'0f{ ;+rfng Joj:yfkg h:t} k]d]G6 ;f]n';g, ljk|]if0f, dfgj ;+zfwg,ljQ Joj:yfkg, zfvf ;+rfng, k|zf;g,;'zf;g tyf ;'rgf k|ljwL h:tf ljefusf] lhDd]jf/L;DxfNb} cfO/xg' ePsf] 5 . pxfF !$ clk|n @)!* b]lv gfoj k|d"v sfo{sf/L clws[tsf] ?kdf sfo{/t /xg' ePsf] 5 .

# >L /fd]Zj/ k|;fb a:ofn

;xfos k|d"v sfo{sf/L clws[t

:gftsf]Q/ #) cS6f]a/ @))%

>L /fd]Zj/ k|;fb a:ofnsf] a}lsË If]qdf @ jif{ eGbf nfdf] cg'ej /x]sf] 5 . glan a}+s lnld6]8sf] ljleGg Joj:yfksLo txdf /xL ;+rfng, dfs]{l6Ë, shf{ tyf zfvf Joj:yfkgsf] If]qdf sfd ug'{ ePsf] tyf xfn l;4fy{ a}+sdf k|ToIf Joj;fo If]q cGtu{t P;PdO{ tyf sGHo"d/ a}+lsË, EofnL l/;f]/;];, sf7df08f} pkTosf leq tyf pkTosf aflx/sf ljleGg zfvfx?sf] lhDd]jf/L ;DxfNg'sf] ;fy} a}+ssf] j:t' tyf ;]jfx?sf] pRr:t/Lo tyf u'0f:t/Lo a|f08LË, k|df]zg ug{sf] nfuL skf]{/]6 ckm]o;{sf] lhDd]jf/L ;d]t ;DxfNg' eO{ a}+ssf] lgIf]k Joj:yfkgsf] If]qdf dxTjk"0f{ e'ldsf v]Nb} cfO{/xg' ePsf] 5 . pxfF !$ clk|n @)!* b]lv ;xfos k|d"v sfo{sf/L clws[tsf] ?kdf sfo{/t /xg' ePsf] 5 .

$ >L z]/ axfb'/ a'9fyf]sL

jl/i7 gfoa dxfk|aGws

:gftsf]Q/ )@

;]K6]Da/ @))@

>L z]/ axfb'/ a'9fyf]sLsf] a}lsË If]qdf @ jif{ eGbf nfdf] cg'ej /x]sf] 5 . glan a}+s lnld6]8sf] ljleGg Joj:yfksLo txdf /xL ;+rfng, 6«]8 kmfOgfG;, ljk|]if0f, n]vf, lx;fa ldnfg, shf{ tyf dfs]{l6Ësf] If]qdf sfd ug'{ ePsf] tyf l;4fy{ a}+s lnld6]8df sl/a :yfkgsfn b]lvg} shf{ Joj:yfkgsf] k|d'vsf] ?kdf tyf xfn b]z el/sf ljleGg zfvfx?sf] shf{ nufgLdf k|ToIf lhDd]jf/L ;DxfNb} cfO{/xg' ePsf] 5 . a}+ssf] ;+rfngdf cfPsf] n3' a}+lsËsf] sfo{df dxTjk"0f{ e'ldsf v]Nb} cfO{/xg' ePsf] 5 . pxfF !$ clk|n @)!* b]lv jl/i7 gfoa dxfk|aGwssf] ?kdf sfo{/t /xg' ePsf] 5 .

pRr Joj:yfksLo txsf sd{rf/Lsf] cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] lsQf÷o'lg6 tyf /sd M

>L zDe'gfy uf}td >L ;'Gb/ k|;fb s+8]n >L /fd]Zj/ k|;fb a:ofn >L z]/ axfb'/ a'9fyf]sL ;+:yfsf] gfd z]o/ lsQf ;+:yfsf] gfd z]o/ lsQf ;+:yfsf] gfd z]o/ lsQf ;+:yfsf] gfd z]o/ lsQf

c?0f sfa]nL !)( l;4fy{ a}+s !*,%*( l;4fy{ a}+s !*,%(* ul/df ljsf; a}+s– ;+:yfks

@,)$,$)$

19

lrlnd] xfO8«f] @,#*& g]kfn nfO{km OG;'/]G;

@%@ s[lif lasf; a}+s @,@^^ l;4fy{ a}+s !*,%(*

n'lDagL lasf; a}+s ;j{;fwf/0f

!!,#!$ :6fG88{ rf6{8 a}+s

!^$ a}+s ckm sf7df08f} #,&!$ – –

n'lDagL lasf; a}+s–;+yfks

##,($# l;4fy{ OSo'6L km08

%)),))) lrlnd] xfO8«f] #,^%* – –

nIdL a}+s @,(#( a}+s ckm sf7df08f}

!,&@@ l;l6hg a}+s #,%#! – –

df5fk'R5|] a}+s @,$#& nIdL a}+s @,!!* l;len a}+s !,)#$ – – glan a}+s !,^!( lrlnd] xfO8«f] @,&)) s'df/L a}+s *,*$# – – g]kfn a+unfb]z a}+s @,^^@ glan a}+s %&$ nIdL a}+s %,*^! – –

glan OSo'6L km08 @@,%@( g]kfn qm]l86 P08 sdz{ a}+s

& g]zgn xfO8«f] sDkgL #,))) – –

g]kfn OGe]i6d]06 a}+s *%% g]kfn OGe]i6d]06 a}+s

*! g]kfn a+unfb]z a}+s *,!#@ – –

PgPnlh OG;'/]G; %) Kf|fO{d a}+s @,@!# PgcfOl; Pl;of a}+s %,@%@ – – g]kfn nfO{km OG;'/]G; %$* ;flgdf a}+s %,!%) PgPdla a}s @,%(@ – –

PgPdla a}+s ln= *!$ n'DaLgL lasf; a}+s

*,##@ k|e' a}s #,^^) – –

g]kfn 6]lnsd !,##) ck/ tfdfsf]zL %) :6fG88{ rf6{8 a}+s #,(%@ – –

cf]l/P06n xf]6n !,!%) n'lDagL ljsf; a}+s ;+:yfks

@&,!&( ;g/fOh a}+s %,*)( – –

Kf|fO{d a}+s $,%$! ;a}sf] n3'laQ ;+:yf ln

!),))) n'DaLgL lasf; a}+s–;j{;fwf/0f

@,*&# – –

lk|ldo/ OG;'/]G; @&@ l/nfoG; nfO{km OG:of]/]G;

@%,))) n'DaLgL lasf; a}+s– ;+yfks

^,*!@ – –

k|e' a}+s !,!() l/nfoan nfO{km OG:of]/]G;

@%,))) g]kfn nfO{km OG;'/]G; !$) – –

;flgdf a}+s $,!^( – – cf]l/P06n xf]6n !@$ – – l;4fy{ a}+s !*,%*$ – – lk|ldo/ OG;'/]G; &! – – :6fG88{ rf6{8 a}+s $*) – – l;4fy{ OSo'6L km08 !)),))) – – l;4fy{ OSo'6L km08 @,%),))) – – tf/fufpF xf]6n $) – – l;4fy{ OSo'6L cf]l/P06n :sLd

!,$%,))) – – l/nfoG; nfO{km OG:of]/]G;

!),))) – –

;flgdf dfO{ xfO8«f] !,!)) – – – – – – s'n nufgL -?=df_

!,%$,%@,@)) s'n nufgL -?=df_

!,&(,@#,!)) s'n nufgL -?=df_

!),((^,@)) s'n nufgL -?=df_

@,@#,)),@))

dfly pNn]lvt a+}ssf] pRr Joj:yfksLo txsf sd{rf/Lx? cGo ;+ul7t ;+3÷;+:yfx?df cfwf/e"t z]o/wgLsf] ?kdf g/x]sf] jf cGo s'g} ;+ul7t ;+:yfdf u/]sf] nufgL dfly pNn]lvt afx]s a+}ssf] hfgsf/Ldf gcfPsf] .

-cf_ ljj/0fkq af]8{df k|:t't ug'{ eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t ;++:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePsf]eP ;f] ;DaGwL ljj/0f M ldlt @) $÷!@÷@% ut] b]lv sfo{/t o; a}+ssf ;xfos dxfk|aGws >L ;"o{ tfdfËn] JolQut sf/0fn] ldlt @)&%÷)(÷!# ut] /flhgfdf lbg' ePsf] .

ldlt @)&%÷!!÷@# ut] b]lv ;xfos dxfk|aGws kbdf >L k|zGg v8\sfHo" lgo'Qm eO{ sfo{/t x'g'x'G5 . -O_ sd{rf/Lsf] ;+VofM :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo

qm=;+= s'n sd{rf/L ;+Vof :yfoL c:yfoL÷cfp6;f]z{ s/f/ Hofnfbf/L cGo != !,%*! !,!(( !) & — —

v=;+rfns Pj+ pRr Joj: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 o; a}+ssf] lgodfjnL cg';f/ x'g]5 .

-s_ ;+rfnx?sf] a}7s eQf tyf ;'ljwf b]xfo adf]lhd x'g]5 M -!_ k|lt a}7s cWoIfnfO{ ?= !%,)))÷– sf b/n] / ;+rfnsnfO{ ?= !@,)))÷– sf b/n] a}7s eQf pknAw u/fO{g]5 . lel8of]

sGkm]/]lG;Ësf] dfWodaf6 a}7s a:bf a}7ssf] lel8of]sf] /]s8{ /flv a}7ssf] lg0f{o ptf/ k'l:tsf -dfO{Go'6_ df :jo+ pkl:yt eO{ x:tfIf/ u/]kl5 dfq eQf k|bfg ul/g]5 .

-@_ sf7df08f} pkTosf aflx/af6 ;+rfns ;ldlt jf ;+rfns :t/Lo ;ldltsf] a}7sdf efu lng cfpg' x'g] ;+rfnsx?sf] nflu cft]hft] xjfO{ hxfhsf] nfu]sf] jf:tljs ef8f -Po/kf]6{ 6\ofS; ;d]t_ sf] cnfjf vfg a:g tyf cGo e}k/L cfpg] vr{ jfkt a}7s a;]sf] lbgsf] b}lgs ?= *,)))÷– eQf lbO{g]5 .

20

-#_ kqklqsf tyf ;+rf/ vr{ jfkt ;+rfns ;ldltsf cWoIf tyf ;+rfnsx?nfO{ k|lt dlxgf Psd'i7 ?= !@,)))÷– pknAw u/fO{g]5 .

-v_ a}+ssf] sfdsf] l;nl;nfdf ljb]z jf :jb]z e|d0f ubf{ ;+rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 M -!_ Po/kf]6{ 6\ofS; ;lxtsf] lahg]z Snf; xjfO{ ef8f / jf:tljs 6\ofS;L vr{ -@_ b]xfodf pNn]v u/] adf]lhd xf]6n tyf b}lgs e|d0f eQf M

qm=;+ If]qx? 7fFp xf]6n vr{ b}lgs e|d0f eQf != If]q g+= ! g]kfn / ef/t afx]s cGo b]zx? Jff:tljs Vfr{ jf USD $@ % dWo] Go'gtd /sd USD $ ! % @= If]q g+= @ ef/t Jff:tljs Vfr{ jf ef= ?= !@,)))÷– dWo] Go'gtd /sd ef= ?= #,)))÷– #= If]q g+= # g]kfn Jff:tljs vr{ g]= ?= $,)))÷–

-O{_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf tLg hgf clws[tx?sf] gfd, kb / Ps cfly{s jif{sf] cjlw leq pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M -cf=j= @)&$÷&% sf] _

Gffd Kfb Ps cfly{s jif{sf] cjlw leq kfl/>ldssf] ?kdf e'Qmfg

ul/Psf] /sd -cf=Jf=)&$÷)&%_ >L zDe'gfy uf}td k|d'v sfo{sf/L clws[t !,$$,#!,@)%= #÷– >L ;'Gb/ k|;fb s8]n gfoa k|d'v sfo{sf/L clws[t *@,$!,#& = #÷– >L /fd]Zj/ k|;fb a:ofn ;xfos k|d'v sfo{sf/L clws[t &,@&,!(*=!)÷–

-p_ 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/0fM ;f] gePsf] .

*=cGtlg{lxt hf]lvd tyf ;f] sf] Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M a}+ssf] cGtlg{lxt hf]lvdx? lgDgfg';f/ /x]sf 5g\ . -s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M

lgIf]k tyf shf{sf] Aofhb/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? . t/ntfsf] ptf/ r9fjsf] sf/0fn] a9bf] lgIf]k ;+sngsf] k|lt:kwf{n] x'g ;Sg] hf]lvdx? .

-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M nfu' gx'g] .

-u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvdM ;a} a}+sx? b|'tultdf Jofkf/ lj:tf/df nfu]sfx'gfn]s]lx hf]lvd cfpg;Sg] .

-3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clej[l4 sf] hf]lvdM ;f] gePsf]] .

-ª_ ljb]zL ljlgdosf] hf]lvd M ljb]zL ljlgdo sf/f]af/ ubf{ ljlgdo b/df x'g] yk36af6 x'g;Sg] hf]lvdx? . b]zsf] j}b]lzs Jofkf/ lgltdf x'g ;Sg] kl/jt{gsf sf/0f kg{ ;Sg] ;DefJo hflvd .

-r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M ;f] gePsf] .

-5_ If]qLos/0f / ljZjJofkLs/0f -Globalization_ sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M cGt/fl{i6«o Pj+ /fli6«o ahf/sf] cfly{s dGbLn] k|ToIf c;/ ljQLo If]qdf kg{ ;Sg] ePsf]n] ;f] af6 x'g ;Sg] hf]lvdx? .

-h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd M g]kfn ;/sf/ tyf g]kfn /fi6« a}+sn] jt{dfg ljQLo tyf df}lb|s gLlt Pj+ g]kfn /fi6« a}+sn] hf/L ug]{ lgb]{zgdf k|efj kfg]{ u/L s'g} lg0f{o jf sfg"g nfu" u/]df sDkgLsf] cfo–vr{df c;/ kg{ ;Sg]5 .

-em_ ;+rfng cg'ejsf] cefj M o; sDkgLn] cf gf] sf/f]jf/ ljut ! jif{ b]vL ;~rfng u/]sf] xF'bf sDkgLdf ;~rfng cg'ejsf] cefj gePsf] .

- _ k|ljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M a}lsË k|ljlw kl/jt{g eO{ yk vr{ a9\g ;Sg] / k|ljlw kl/jt{g cg';f/ sd{rf/Lx? cEo:t geO{ sfo{ ;Dkfbg ug{ sl7gfO{ x'g ;Sg] .

-6_ cGo s_ b]zsf] /fhgLlts cl:y/tfaf6 ;+rfng tyf ljQLo cj:yfdf kg]{ hf]lvd . v_ shf{ jf nufgL v/fa shf{ tyf nufgLdf kl/0ft x'Fbf a}+ssf] cfDbfgL ;+s'rg x'g] hf]lvd . u_ k"FhL ahf/df cfpg] lu/fj6sf] sf/0f a}+ssf] nufgLsf] d"Nodf x|f; cfpg] hf]lvd . 3_ ;/sf/L ;'/If0fkqx?sf] Aofhb/df cfpg] kl/jt{gaf6 a}+ssf] cfDbfgL ;+s'rg x'g] hf]lvd . ª_ sfo{ ;+rfng hf]lvd (Operational Risk) af6 x'g ;Sg] xfgL gf]S;fgL .

21

r_ ;DklQ z'4Ls/0f nufot ljQLo ck/fw ;DaGwL hf]lvdaf6 x'g;Sg] xfgL gf]S;fgL . 5_ k|fs[lts k|sf]k -e'sDk, af9L÷klx/f] cfbL_sf] sf/0faf6 Joj;fodf cfpg] k|efjsf] hf]lvd . h_ b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g ;Sg] hf]lvdx? . em_ a}+ssf] k|fljlws ljsf;df x'g ;Sg] vr{ / To;sf] Joj:yfkgsf x'g ;Sg] hf]lvd .

pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M l;4fy{ a}+s lnld6]8n] cGtlg{lxt tyf eljiodf cfpg ;Sg] ljleGg hf]lvdx? -shf{, ahf/ ;+rfng cfbL_ sf] klxrfg, cg'udg tyf Joj:yfkg ug]{5 . g]kfn /fi6« a}+ssf] lgb]{zg tyf a}+ssf] gLlt lgodsf] clwgdf /lx cfGtl/s lgoGq0f k|0ffnLnfO{ dha'tagfO{ ljleGg hf]lvdx? Joj:yfkg ul/ a}+snfO{ pTs[i6 Pj+ ;an?kdf ;+rfng ul/ nufgLstf{x?sf] lxtsf] ;+/If0fsf nflu cfjZos gLlt, sfo{ljlwx? agfO{ nfu' u/]sf]] 5 . o;sf ;fy}, a}+sdf /x]sf] hf]lvd Joj:yfkg ljefun] :jtGq ?kdf hf]lvdnfO{ k|efjsf/L ?kdf lgoGq0f tyf Joj:yfkg ug]{ sfo{ ug'{sf ;fy} ;do ;dodf hf]lvd lgoGq0fsf] If]qdf eP u/]sf sfo{x?sf] k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 . shf{;FUf ;DalGwt hf]lvdx?, s'g}klg Joj;fox? Ufbf{ ;fdgf ug'{kg]{ cGo cGtlg{lxt hf]lvdx? nufot ahf/ / t/ntf, sfo{ ;+rfng, Joj:yfkg / k|lti7f h:tf a+}ssf] Joj;fo;FUf ;DalGwt hf]lvdx?nfO{ a+}sn] hf]lvd Joj:yfkg ;+/rgfåf/f ;ts{tfk"j{s Joj:yfkg ug]{ u/]sf] 5 . hf]lvd Joj:yfkgsf nflu a+}sn] cjnDag u/]sf l;4fGtx? lgDg lnlvt 5g\ M

Hff]lvd / k|ltkmn lar ;Gt'ng . cg'zfl;t / ;+oldt hf]lvd axg . clVtof/ k|fKt ;ldlt tyf JolQmx?sf] l:js[tL kZrft\ dfq hf]lvd u|x0f tyf ;f] sf] Joj:yfkgsf nflu plrt ;+/rgf tyf

;fwgx?sf] pknAwtf . efjL hf]lvdx?sf] k"jf{g'dfg tyf hf]lvdx?sf] pko'St hfgsf/L . k|ltikwf{Tds Ifdtf clej[l4sfnflu hf]lvdx?sf] s'zn tyf k|efjsf/L Joj:yfkg Pj+ lgoGq0f . a}+sn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]lvdx?nfO{ dWogh/ ul/ cfjZos tflnd tyf lj1x?sf]

;'emfjx? ;do ;dodf lnO{/x]sf] .

a}+sn] hf]lvd lgoGq0fsf] If]qdf cjnDjg u/]sf dfly pNn]lvt gLlt Pj+ pkfox? kof{Kt gx'g ;Sb5g\ o;y{ pNn]lvt ljlwx?n] a}+ssf] hf]lvdnfO{ k"0f{ ?kdf lgd'{n kfg{ g;s]tf klg Go'lgs/0f ug{ ;kmn x'g] ljZjf; lnPsf 5f}+ .

lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M ljutdf cGo a}+såf/f lgisfzg ul/Psf] ?= !,)))÷– c+lst b/sf] C0fkq ;"rLs/0f kZrft\ lwtf]kq ahf/df sf/f]jf/ x'Fbf c+lst

d'Nodf w]/} ptf/ r9fj gePsf]x'gfn] C0fkqsf] d"Nodf x'g;Sg] kl/jt{gsf] hf]lvd Go"g /x]sf] 5 . a}+ssf] ;/sf/L tyf u}/ ;/sf/L lwtf]kqdf nufgL u/] afkt nufgL d'No kl/jt{gsf] hf]lvd /x]sf] .

(= ljQLo ljj/0f M ljQLo ljj/0f / tt\ ;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M

-s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fa afF8kmfF8 / gub k|jfx ljj/0f M sDkgLsf] cf=j=@)&$÷&% sf] jf;nft, gfkmf—gf]S;fg lx;fa, gfkmf—gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5 M–

jf;nft

;DklQ Jff:tljs -?= xhf/df_ cf=j= @)&$÷&%

gub tyf gub ;dfg 4,515,436

g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ 6,454,927

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 1,611,130

8]l/e]l6e ljQLo pks/0f 3,706

cGo Jofkfl/s ;DklQ 103,414

shf{ tyf ;fk6L– a}+s tyf ljQLo ;+:yfnfO{ 2,841,166

shf{ tyf ;fk6L– u|fxsnfO{ 83,237,582

lwtf]kqdf nufgL 18,877,942

rfn' s/ ;DklQ 69,314

;xfos sDkgLdf nufgL -

;xof]uL sDkgLdf nufgL -

nufgL ;DklQx? 154,638

;DklQ tyf pks/0f 1,100,186

Voflt tyf cd't{ ;DklQ 13,301

:yug s/ ;DklQ -

cGo ;DklQ 1,274,604

22

s'n ;DklQ 120,257,347

bfloTj a}+s÷ljQLo ;+:yfnfO{ ltg{ afFsL 7,448,515

g]kfn /fi6« a}+snfO{ ltg{ afFls 692,427


u|fxsaf6 lgIf]k 94,245,390

ltg{ afFsL shf{ tyf ;fk6L -

rfn' s/ bfloTj -

Joj:yf -

:yug s/ bfloTj 260,973

cGo bfloTj 2,288,115

hf/L ul/Psf] C0fkq 1,203,520

;'/If0f g/flvPsf] ;xfos cfjlws bfloTj -

s'n bfloTj 106,212,695

OlSj6L z]o/ kF"hL 8,464,385

z]o/ lk|ldod 122,092

;+lrt d'gfkmf 1,266,336

hu]8f tyf sf]ifx? 3,999,356

z]o/ wgLx?nfO{ afF8kmfF8 of]Uo s"n OlSj6L 13,852,168

u}/ lgolGqt :jfy{ 192,483

s"n OlSj6L 14,044,652

s"n bfloTj / OlSj6L 120,257,347

;+efljt bfloTj / k|lta4tf 23,990,760

k|lt z]o/ v'b ;DklQ 163.65

gfkmf–gf]S;fg lx;fa

ljj/0f Jff:tljs -?= xhf/df_ cf=j= @)&$÷&%

Jofh cfDbfgL 10,096,173

Jofh vr{ 6,587,819

v'b Jofh cfDbfgL 3,508,354

z'Ns tyf sldzg cfDbfgL 866,692

z'Ns tyf sldzg vr{ 138,757

v'b z'Ns / sldzg cfDbfgL 727,936

v'b Jofh, z'Ns / sldzg cfDbfgL 4,236,290

v'b Jofkfl/s cfDbfgL 254,532

cGo ;~rfng cfDbfgL 355,603

hDdf ;~rfng cfDbfgL 4,846,425

shf{sf] hf]lvd Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL (Impairment) 230,394

v'b ;~rfng cfDbfgL 4,616,031

;~rfng vr{ sd{rf/L vr{ 1,124,700

cGo ;~rfng vr{ 509,490

x|f;s6\6L / kl/iff]wg 125,715

;~rfng d'gfkmf 2,856,127

u}/ ;+rfng cfDbfgL 698

u}/ ;+rfng vr{ -

cfos/ cl3sf] d'gfkmf 2,856,825

cfos/ vr{ rfn' s/ 853,459

:yug s/ 4,375

o; cjlwsf] d'gfkmf 1,998,991

gfkmf afF8kmfF8 a}+ssf] z]o/wgL 1,952,475


o; cjlwsf] gfkmf 1,998,991

23

k|lt z]o/ cfDbfgL cfwf/e't k|lt z]o/ cfDbfgL 27.76

8fOn'6]8 k|ltz]o/ cfDbfgL 27.76

gfkmf gf]S;fg afF8kmfF8sf] ljj/0f


gfkmf÷gf]S;fg ljj/0f adf]lhdsf] gfkmf÷gf]S;fg 1,904,062

afF8kmf8F hu]8f sf]if 380,812

;6xL 36a9 sf]if -

k"FhL lkmtf{ sf]if -

;+:yfut ;fdflhs bfloTj sf]if 19,041

sd{rf/L tflnd sf]if 1,277

k"FhL ;dfof]hg sf]if -

nufgL ;dfof]hg sf]if -

cGo -

C0fkq e'QmgL sf]if 171,931

lgofds ;dfof]hg cl3sf] gfkmf÷gf]S;fg 1,331,000

lgofds ;dfof]hg Jofh aSof}tf÷cl3Nnf] Aofh aSof}tf k|flKt (308,990)

sd shf{ gf]S;fg Joj:yfsf] 36a9 -

sd nufgLdf 3f6fsf] nflu Joj:yfsf] 36a9 (128,393)

sd u}/ a}+lsË ;DklQsf] Joj:yfsf] 36a9 (154,638)

:yug s/ ;DklQ n]vf+sg ÷lkmtf{ -

VoftL n]vf+sg÷VoftLdf xfgL -

df]ntf]n vl/bdf nfe n]vf+sg÷lkmtf{ -

aLdf+lss 3f6fsf] n]vf+sg÷lkmtf{ (45,802)

af8\g of]Uo gfkmf÷gf]S;fg 693,177

gub k|jfxsf] ljj/0f


sf/f]jf/ ;~rfngaf6 gub k|jfx Jofh cfDbfgL 10,006,627

z'Ns tyf cGo cfDbfgL 866,692

nfef+z cfDbfgL 266

cGo sf/f]af/ ;+rfngaf6 cfDbfgL 438,993

Jofh vr{ (6,587,819)

sldzg tyf z'Ns vr{ (138,757)

sd{rf/L vr{ (1,124,700)

cGo vr{ (587,861)

;+rfng ;DklQ tyf bfloTjsf] kl/jt{g cl3sf] ;+rfng gub k|jfx 2,873,441

;+rfng ;DjlGw rfn' ;DklQdf sld÷-j[l4_ g]kfn /fi6« a}+sdf /x]sf] df}Hbft 217,404

a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft (1,043,805)

cGo Jofkfl/s ;DklQ (48,825)

a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fk6 (422,123)

u|fxsnfO{ lbOPsf] shf{ tyf ;fk6 (18,584,803)

cGo ;DklQ (755,514)

;+rfng ;DjlGw rfn' bfloTjdf sld÷-j[l4_ a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFls 1,546,772

g]kfn /fi6« a}+snfO ltg{ afFls 186,713

u|fxssf] lgIf]k 23,807,644

C0f tyf ;fk6L -

cGo bfloTj 484,929

24

cfos/ e'QmfgL cl3sf] sf/f]af/ ;~rfngaf6 v'b gub k|jfx 8,261,832

cfos/ e'QmfgL (852,913)

sf/f]af/ ;~rfngaf6 v'b gub k|jfx 7,408,919

nufgL sf/f]af/df gub k|jfx lwtf]kq nufgL vl/b (19,327,850)

lwtf]kq nufgL lalqmaf6 k|fKtL 12,188,764

;DklQ tyf pks/0fx?sf]] vl/b (502,775)

;DklQ tyf pks/0fx?sf] laqmLaf6 k|fKtL 31,481

cd"t{ ;DklQsf] vl/b (3,623)

cd"t{ ;DklQsf] ljqmLaf6 k|fKtL -

nufgL ;DklQsf] vl/b (19,326)

nufgL ;DklQsf] ljqmLaf6 k|fKtL 31,111

Jofh cfDbfgL -

nfef+z cfDbfgL 139,200

nufgL sf/f]jf/df v'b gub k|jfx ljlQo sf/f]jf/af6 gub k|jfx C0fkq lgisfzgaf6 k|fKtL -

C0fkqsf] e'QmfgL -

;'/If0f g/flvPsf] ;xfos cfjlBs bfloTj lgisfzgaf6 k|fKtL -

;'/If0f g/flvPsf] ;xfos cfjlBs bfloTjsf] e'QmfgL -

z]o/ lgisfzgaf6 k|fKtL 879,850

nfef+z vr{ (25,353)

Jofh vr{ -

cGo k|fKtL÷e'QmfgL 122,092

ljQLo sf/f]jf/af6 v'b gub k|jfx 976,588

gub k|jfxdf ePsf] v'b sdL÷a[l4 922,491

gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 3,592,945

gub tyf gub ;dfgdf ljlgdo b/ kl/jt{gsf] c;/ -

gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 4,515,436

-v_ ;+rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf ;+rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f M -;xfos sDkgL eP ;dli6s[t ?kdf_ sDkgLsf] cf=j= @)&@÷&#, @)&#÷&$, @)&$÷&% sf] n]vfk/LIf0f ePsf] ciff9 d;fGtsf] ;+lIfKt ljQLo ljj/0f lgDg adf]lhd /x]sf] 5 .

jf;nft

;DklQ Jff:tljs -?= xhf/df_

cf=j= @)&@÷&# cf=j= @)&#÷&$ cf=j= @)&$÷&% gub tyf gub ;dfg 3,741,234 3,592,945 4,515,436

g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ 3,847,268 6,672,331 6,454,927

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 744,730 567,325 1,611,130

8]l/e]l6e ljQLo pks/0f 24,142 28,637 3,706

cGo Jofkfl/s ;DklQ 35,394 54,589 103,414

shf{ tyf ;fk6L a}+s tyf ljQLo ;+:yfnfO{ 1,476,505 2,419,044 2,841,166

shf{ tyf ;fk6L u|fxsnfO{ 54,748,959 64,652,780 83,237,582

lwtf]kqdf nufgL 10,434,778 12,212,946 18,877,942

rfn' s/ ;DklQ 88,457 69,861 69,314

;xfos sDkgLdf nufgL - - -

;xof]uL sDkgLdf nufgL - - -

nufgL ;DklQx? 154,638 154,638 154,638

;DklQ tyf pks/0f 634,213 748,795 1,100,186

Voflt tyf cd't{ ;DklQ 3,898 13,552 13,301

:yug s/ ;DklQ - - -

cGo ;DklQ 659,266 416,812 1,274,604

s'n ;DklQ 76,593,481 91,604,254 120,257,347

bfloTj a}+s÷ljQLo ;+:yfnfO{ ltg{ afFsL 8,011,652 5,901,743 7,448,515

25

g]kfn /fi6« a}+snfO{ ltg{ afFls 60,000 505,714 692,427

8]l/e]l6e ljQLo pks/0f - - 73,755

u|fxsaf6 lgIf]k 57,740,757 70,437,746 94,245,390

ltg{ afFsL shf{ tyf ;fk6L - - -

rfn' s/ bfloTj - - -

Joj:yf - - -

:yug s/ bfloTj 433,422 403,472 260,973

cGo bfloTj 1,522,741 1,734,443 2,288,115

hf/L ul/Psf] C0fkq 1,203,520 1,203,520 1,203,520

;'/If0f g/flvPsf] ;xfos cfjlws bfloTj - - -

s'n bfloTj 68,972,092 80,186,638 106,212,695

OlSj6L z]o/ k+'hL 3,022,881 6,628,879 8,464,385

z]o/ lk|ldod - 120,230 122,092

;+lrt d'gfkmf 1,959,649 1,432,177 1,266,336

hu]8f tyf sf]ifx? 2,553,546 3,065,108 3,999,356

z]o/ wgLx?nfO{ afF8kmfF8 of]Uo s"n OlSj6L 7,536,075 11,246,395 13,852,168

u}/ lgolGqt :jfy{ 85,315 171,221 192,483

s"n OlSj6L 7,621,389 11,417,616 14,044,652

s"n bfloTj / OlSj6L 76,593,481 91,604,254 120,257,347

;+efljt bfloTj / k|lta4tf 13,098,658 15,182,990 23,990,760

k|lt z]o/ v'b ;DklQ 249.30 169.66 163.65

Gffkmf–gf]S;fg lx;fj

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

cf=j= @)&#÷&$ cf=j= @)&$÷&% Jofh cfDbfgL 6,857,405 10,096,173

Jofh vr{ 3,973,955 6,587,819

v'b Jofh cfDbfgL 2,883,450 3,508,354

z'Ns tyf sldzg cfDbfgL 613,903 866,692

z'Ns tyf sldzg vr{ 135,450 138,757

v'b z'Ns / sldzg cfDbfgL 478,452 727,936

v'b Jofh, z'Ns / sldzg cfDbfgL 3,361,902 4,236,290

v'b Jofkfl/s cfDbfgL 148,426 254,532

cGo ;~rfng cfDbfgL 249,784 355,603

hDdf ;~rfng cfDbfgL 3,760,112 4,846,425

shf{sf] hf]lvd Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL (Impairment) 120,093 230,394

v'b ;~rfng cfDbfgL 3,640,019 4,616,031

;~rfng vr{ sd{rf/L vr{ 814,946 1,124,700

cGo ;~rfng vr{ 404,941 509,490

x|f;s6\6L / kl/iff]wg 98,269 125,715

;~rfng d'gfkmf 2,321,863 2,856,127

u}/ ;+rfng cfDbfgL 876 698

u}/ ;+rfng vr{ 73,469 -

cfos/ cl3sf] d'gfkmf 2,249,270 2,856,825

cfos/ vr{ rfn' s/ 658,910 853,459

:yug s/ (13,214) 4,375

o; cjlwsf] d'gfkmf 1,603,575 1,998,991

gfkmf afF8kmfF8 a}+ssf] z]o/wgL 1,504,947 1,952,475

u}/ lgolGqt :jfy{ 98,627 46,515

o; cjlwsf] gfkmf 1,603,575 1,998,991

k|lt z]o/ cfDbfgL cfwf/e't k|lt z]o/ cfDbfgL 30.41 27.76

8fOn'6]8 k|ltz]o/ cfDbfgL 30.41 27.76

26

gfkmf–gf]S;fg afF8kmfF8 lx;fj vftf


cf=j= @)&#÷&$ cf=j= @)&$÷&% gfkmf÷gf]S;fg ljj/0f adf]lhdsf] gfkmf÷gf]S;fg 1,402,294 1,904,062

afF8kmf8F hu]8f sf]if 277,235 380,812

;6xL 36a9 sf]if 6,306 -

k"FhL lkmtf{ sf]if - -

;+:yfut ;fdflhs bfloTj sf]if 13,862 19,041

sd{rf/L tflnd sf]if 2,433 1,277

k"FhL ;dfof]hg sf]if 9,579 -

nufgL ;dfof]hg sf]if 54,382 -

cGo - -

C0fkq e'QmgL sf]if 171,931 171,931

lgofds ;dfof]hg cl3sf] gfkmf÷gf]S;fg 866,565 1,331,000

lgofds ;dfof]hg Jofh aSof}tf÷cl3Nnf] Aofh aSof}tf k|flKt - (308,990)

sd shf{ gf]S;fg Joj:yfsf] 36a9 - -

sd nufgLdf 3f6fsf] nflu Joj:yfsf] 36a9 - (128,393)

sd u}/ a}+lsË ;DklQsf] Joj:yfsf] 36a9 - (154,638)

:yug s/ ;DklQ n]vf+sg ÷lkmtf{ - -

VoftL n]vf+sg÷VoftLdf xfgL - -

df]ntf]n vl/bdf nfe n]vf+sg÷lkmtf{ - -

aLdf+lss 3f6fsf] n]vf+sg÷lkmtf{ - (45,802)

af8\g of]Uo gfkmf÷gf]S;fg 866,565 693,177

gub k|jfxsf] ljj/0f


cf=j= @)&#÷&$ cf=j= @)&$÷&% sf/f]jf/ ;~rfngaf6 gub k|jfx

Jofh cfDbfgL 6,884,054 10,006,627

z'Ns tyf cGo cfDbfgL 613,903 866,692

nfef+z cfDbfgL 64 266

cGo sf/f]af/ ;+rfngaf6 cfDbfgL 349,447 438,993

Jofh vr{ (3,973,955) (6,587,819)

sldzg tyf z'Ns vr{ (135,450) (138,754)

sd{rf/L vr{ (814,946) (1,124,700)

cGo vr{ (602,577) (587,861)

;+rfng ;DklQ tyf bfloTjsf] kl/jt{g cl3sf] ;+rfng gub k|jfx 2,320,474 2,873,444

;+rfng ;DjlGw rfn' ;DklQdf sld÷-j[l4_ g]kfn /fi6« a}+sdf /x]sf] df}Hbft (2,825,063) 217,404

a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft 177,405 (1,043,805)

cGo Jofkfl/s ;DklQ (19,194) (48,825)

a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fk6 (942,539) (422,123)

u|fxsnfO{ lbOPsf] shf{ tyf ;fk6 (9,903,821) (18,584,803)

cGo ;DklQ 200,971 (755,514)

;+rfng ;DjlGw rfn' bfloTjdf sld÷-j[l4_ a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFls (2,109,909) 1,546,772

g]kfn /fi6« a}+snfO ltg{ afFls 445,714 186,713

u|fxssf] lgIf]k 12,696,989 23,807,644

C0f tyf ;fk6L - -

cGo bfloTj 181,752 484,929

cfos/ e'QmfgL cl3sf] sf/f]af/ ;~rfngaf6 v'b gub k|jfx 222,780 8,261,832

cfos/ e'QmfgL (640,315) (852,913)

sf/f]af/ ;~rfngaf6 v'b gub k|jfx (417,534) 7,408,919

nufgL sf/f]af/df gub k|jfx lwtf]kq nufgL vl/b (6,728,544) (19,327,850)

27

lwtf]kq nufgL lalqmaf6 k|fKtL 4,901,969 12,188,764

;DklQ tyf pks/0fx?sf]] vl/b (221,985) (502,775)

;DklQ tyf pks/0fx?sf] laqmLaf6 k|fKtL 13,495 31,481

cd"t{ ;DklQsf] vl/b (12,718) (3,623)

cd"t{ ;DklQsf] ljqmLaf6 k|fKtL - -

nufgL ;DklQsf] vl/b - (19,326)

nufgL ;DklQsf] ljqmLaf6 k|fKtL - 31,111

Jofh cfDbfgL - -

nfef+z cfDbfgL 84,063 139,200

nufgL sf/f]jf/df v'b gub k|jfx (1,963,720) (7,463,017)

ljlQo sf/f]jf/af6 gub k|jfx C0fkq lgisfzgaf6 k|fKtL - -

C0fkqsf] e'QmfgL - -

;'/If0f g/flvPsf] ;xfos cfjlBs bfloTj lgisfzgaf6 k|fKtL - -

;'/If0f g/flvPsf] ;xfos cfjlBs bfloTjsf] e'QmfgL - -

z]o/ lgisfzgaf6 k|fKtL 2,132,736 879,850

nfef+z vr{ (20,000) (25,353)

Jofh vr{ - -

cGo k|fKtL÷e'QmfgL 120,230 122,092

ljQLo sf/f]jf/af6 v'b gub k|jfx 2,232,966 976,588

gub k|jfxdf ePsf] v'b sdL÷a[l4 (148,289) 922,491

gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 3,741,234 3,592,945

gub tyf gub ;dfgdf ljlgdo b/ kl/jt{gsf] c;/ - -

gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 3,592,945 4,515,436

gf]6M cf=j= @)&@÷&#, @)&#÷&$, @)&$÷&% sf] jf;nft NFRS cGtu{t k|:t't ul/Psf] 5 . cf=j= @)&#÷&$, @)&$÷&% sf] gfkmf gf]S;fg lx;fa, gfkmf g]S;fg afF8kmfF8 lx;fa / gub k|jfx ljj/0f NFRS cGtu{t k|:t't ul/Psf] 5 . cf=j= @)&@÷&# sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa . gub k|jfx GAAP cGtu{t k|:t't ul/Psf] 5 . cf=j= @)&@÷&# sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa / gub k|jfx ljj/0f b]xfo adf]lhd /x]sf] 5 .

jf;nft k"'FhL tyf bfloTj cf= j= @)&@÷&# -?= xhf/df_

z]o/ kF"hL 4,496,143

hu]8f tyf sf]ifx¿ 1,766,251


C0fkq tyf aG8 1,203,520

ltg{ afFsL shf{ ;fk6 910,000

lgIf]k bfloTj 64,902,005

e'QmfgL lbg'kg]{ ljnx¿ 40,020

k|:tfljt tyf e'QmfgL lbg afFsL nfefFz -

cfos/ bfloTj -


s'n k"'FhL tyf bfloTj 74,826,330

;DklQ gub df}Hbft 1,940,584

g]kfn /fi6« a}+sdf /x]sf] df}Hbft 3,847,268

a}+s ÷ljQLo ;+:yfdf /x]sf] df}Hbft 849,546

dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 950,700

nufgL 9,823,522

shf{ ;fk6 tyf ljn v/Lb 55,350,891

l:y/ ;DklQ 635,020

u}/ a}lsË ;DklQ -

cGo ;DklQ 1,428,798

s'n ;DklQ 74,826,330

28

Gffkmf–gf]S;fg lx;fj ljj/0f cf=j= @)&@÷&# -?= xhf/df_


Jofh vr{ 1,989,418


sldzg tyf l8:sfp06 173,917


;6xL 36a9 cfDbfgL 167,085

s'n ;~rfng cfDbfgL 2,842,572

sd{rf/L vr{ 387,618


;6xL 36a9 gf]S;fg -

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 1,945,699

;Defljt gf]S;fgL Joj:yfx¿ 259,340


u}/ ;~rfng cfDbfgL÷vr{ 172,022

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 157,364

lgoldt sf/f]af/af6 ePsf] d'gfkmf 2,015,744

c;fdfGo sf/f]af/x¿af6 ePsf] cfDbfgL÷vr{ 572

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 2,016,317

sd{rf/L af]g; Joj:yf 183,302

cfos/ Joj:yf 547,598

o; jif{sf] 545,373

ut jif{;Ddsf] 3,254

:yug cfDbfgL÷vr{ 1,030

Share of Non Controlling Interest 14,945

v'b gfkmf÷gf]S;fg 1,270,473

gfkmf–gf]S;fg afF8kmfF8 lx;fj vftf

ljj/0f cf=j= @)&@÷&# -?= xhf/df_ cfDbfgL ut jif{;Ddsf] ;l~rt d'gfkmf 13,685

o; jif{sf] d'gfkmf 1,270,473

;6xL 36a9 sf]if -

k"FhL ;dfof]hg sf]ifaf6 /sdfGt/ 33,762

dh{/ l/he{ 471,538

z]o/ lk|ldod 380

C0fkq e'QmfgL sf]ifaf6 ;fl/Psf] 227,770

hDdf 2,017,608

vr{ ut jif{;Ddsf] ;l~rt gf]S;fg -

o; jif{sf] gf]S;fg -

;fwf/0f hu]8f sf]if 250,984

e}k/L cfpg] hu]8f -

;+:yf ljsf; sf]if -

nfef+z ;dLs/0f sf]if -

sd{rf/L ;DaGwL hu]8fx¿ -

k|:tfljt nfef+z -

k|:tfljt af]g; z]o/ hf/L 1,473,263

ljz]if hu]8f sf]if -

;6xL 36a9 sf]if 3,397

k"FhL lkmtf{ hu]8f sf]if -

k"FhL ;dfof]hg sf]if 9,848

nufgL ;dfof]hg sf]if 7,428

:yug s/ sf]if 1,235

cGo -

29

C0fkq e'QmfgL sf]if 171,931

hDdf 1,918,087

;l~rt d'gfkmf÷-gf]S;fg_ 99,521

gub k|jfxsf] ljj/0f ljj/0f cf=j= @)&@÷&# -?= xhf/df_

sf/f]jf/ ;~rfngaf6 gub k|jfx 4,978,243

gub k|flKt 4,972,874


sldzg tyf l8isfpG6 cfDbfgL 530,105

ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 167,085

ckn]lvt shf{sf] c;'nL 572

cGo cfDbfgL 154,794

gub e'QmfgL 3,518,376

Aofh vr{ 1,963,820

sd{rf/L vr{ 566,840

sfof{no ;~rfng vr{ 441,778

cfos/ e'QmfgL 543,393

cGo vr{ 2,545

sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 1,454,498

;~rfng ;DjlGw rfn" ;DklQdf sdL÷-j[l4_ (18,291,381)

dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ 179,300

cGo cNksfnLg nufgLdf sdL÷-j[l4_ 1,047,676

shf{ tyf ljN; v/Lbdf sdL÷-j[l4_ (19,120,390)

cGo ;DklQdf sdL÷-j[l4_ (397,967)

;~rfng ;DaGwL rfn' bfloTjdf -sdL_÷j[l4 21,815,127

lgIf]k bfloTjdf -sdL_÷j[l4 20,193,627

;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 -

cNksfnLg ;fk6Ldf -sdL_÷j[l4 845,000

cGo bfloTjdf -sdL_÷j[l4 776,500

nufgL sf/f]af/df gub k|jfx (4,434,548)

bL3{sfnLg nufgLdf sdL÷-j[l4_ (4,177,109)

:yL/ ;DklQdf sdL÷-j[l4_ (286,974)

bL3{sfnLg nufgLdf Aofh cfDbfgL -

nfef+z cfDbfgL 29,535

cGo cfDbfgL -

ljQLo sf/f]af/af6 gub k|jfx (258,874)

bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df j[l4÷-sdL_ (227,770)

z]o/ k"FhLdf j[l4÷-sdL_ 803

cGo bfloTjdf j[l4÷-sdL_ -

g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_ -

k|:tfljt nfef+z / ltg'{kg]{ nfef+z j[l4÷-sdL_ (31,907)

gub tyf a}s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ -

o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 284,822

Reserve Added from Merged Institutions 1,239,993

gub tyf a}+sdf /x]sf] ;'? df}Hbft 5,112,584

gub tyf a}+sdf /x]sf] clGtd df}Hbft 6,637,399

u_ cfly{s jif{ ;dfKt ePsf] dlxgf kZrft ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M cf=j= @)&%÷& cfiff9 d;fGtsf] ckl/:s[t ljQLo ljj/0f a}+ssf] Joj:yfkg / cfGtl/s n]vfkl/Ifsn] k|dfl0ft u/]sf] 5 . ;f] ckl/:s[t ljQLo ljj/0f tn tflnsfdf k|:t't ul/Psf] 5 .

jf;nft

;DklQ ckl/is[t ljQLo ljj/0f -cfiff9 df;fGt_

-? xhf/df_ gub tyf gub ;dfg 5,488,797

g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ 6,037,591

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 2,250,086

30


cGo Jofkfl/s ;DklQ 110,711

shf{ tyf ;fk6L a}+s tyf ljQLo ;+:yfnfO{ 3,395,452

shf{ tyf ;fk6L u|fxsnfO{ 104,769,776

lwtf]kqdf nufgL 19,160,536

rfn' s/ ;DklQ 178,416

;xfos sDkgLdf nufgL -

;xof]uL sDkgLdf nufgL -

nufgL ;DklQx? 123,351

;DklQ tyf pks/0f 1,303,845

Voflt tyf cd't{ ;DklQ 34,537

:yug s/ ;DklQ -

cGo ;DklQ 1,858,265

s'n ;DklQ 144,836,238

bfloTj ckl/is[t ljQLo ljj/0f -ciff9 df;fGt_

-? xhf/df_ a}+s÷ljQLo ;+:yfnfO{ ltg{ afFsL 8,422,830

g]kfn /fi6« a}+snfO{ ltg{ afFls 9,84,061

8]l/e]l6e ljQLo pks/0f -

u|fxsaf6 lgIf]k 114,537,393

ltg{ afFsL shf{ tyf ;fk6L -

rfn' s/ bfloTj -

Joj:yf -

:yug s/ bfloTj 81,873


hf/L ul/Psf] C0fkq 2,966,079

;'/If0f g/flvPsf] ;xfos cfjlws bfloTj -

s'n bfloTj 129,404,198

OlSj6L

z]o/ k+'hL 8,887,605

z]o/ lk|ldod 122,092

;+lrt d'gfkmf 1,743,424

hu]8f tyf sf]ifx? 4,485,440

z]o/ wgLx?nfO{ afF8kmfF8 of]Uo s"n OlSj6L 15,238,560


s"n OlSj6L 15,432,040

s"n bfloTj / OlSj6L 144,836,238

Gffkmf gf]S;fg lx;fa

ljj/0f ckl/is[t ljQLo ljj/0f -cfiff9 df;fGt_

-? xhf/df_ Jofh cfDbfgL 13,015,919

Jofh vr{ 8,277,275


z'Ns tyf sldzg cfDbfgL 1,105,855

z'Ns tyf sldzg vr{ 182,272

v'b z'Ns / sldzg cfDbfgL 923,583

v'b Jofh, z'Ns / sldzg cfDbfgL 5,662,227

v'b Jofkfl/s cfDbfgL 464,443


hDdf ;~rfng cfDbfgL 6,240,024

shf{sf] hf]lvd Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL (Impairment) 180,593

v'b ;~rfng cfDbfgL 6,059,431

;~rfng vr{

sd{rf/L vr{ 1,729,123


x|f;s6\6L / kl/iff]wg 149,414

31


u}/ ;+rfng cfDbfgL 19,818

u}/ ;+rfng vr{ 1,022

cfos/ cl3sf] d'gfkmf 3,419,930

cfos/ vr{

rfn' s/ 1,062,386

:yug s/ -!#,!)&_ o; cjlwsf] d'gfkmf 2,370,651

k|lt z]o/ cfDbfgL

cfwf/e't k|lt z]o/ cfDbfgL 27.30

8fOn'6]8 k|ltz]o/ cfDbfgL 27.30

-3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M ;f] gePsf] .

-ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, 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] wf/0ff M ;f] gePsf] .

-r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf] ldlt kl5sf] 36gfsf] af/]df 5'§} hfgsf/L M ;f] gePsf] .

-5_ ljut % jif{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 jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M

a}ssf]] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfoadf]lhd /x]sf] 5 . jf;nft

;DklQ k|If]lkt ?= xhf/df

cf=j= @)& ÷&& cf=j= @)&&÷&* cf=j= @)&*÷&( gub tyf gub ;dfg 3,311,382 3,546,187 4,208,537

g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ 6,622,763 8,865,468 9,995,275

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft 3,508,667 3,684,101 3,868,306

8]l/e]l6e ljQLo pks/0f 210,063 220,566 231,595

cGo Jofkfl/s ;DklQ 96,413 114,079 133,284

shf{ tyf ;fk6L a}+s tyf ljQLo ;+:yfnfO{ 4,423,562 5,223,149 6,155,340

shf{ tyf ;fk6Lu|fxsnfO{ 127,865,378 153,525,390 181,053,872

lwtf]kqdf nufgL 24,798,566 28,700,035 34,399,755

o; aif{sf] cfos/ ;DklQ 184,464 193,687 203,371

;xfos sDkgLdf nufgL 51,000 51,000 51,000

;xof]uL sDkgLdf nufgL - - -

nufgL ;DklQx? 123,352 123,352 123,352

;DklQ tyf pks/0f 1,760,429 2,141,503 2,250,292

Voflt tyf cd't{ ;DklQ 22,499 25,657 27,276

:yug s/ ;DklQ - - -

cGo ;DklQ 867,797 791,968 935,692

s'n ;DklQ 173,846,334 207,206,142 243,636,945

bfloTj

a}+s÷ljQLo ;+:yfnfO{ ltg{ afFsL 11,731,787 14,252,977 17,262,840

g]kfn /fi6« a}+snfO{ ltg{ afFls 858,242 901,154 946,211

8]l/e]l6e ljQLo pks/0f - - -

u|fxsaf6 lgIf]k 135,620,510 163,246,127 193,364,264

ltg{ afFsL shf{ tyf ;fk6L - - -

o; aif{sf] cfos/ bfloTj - - -

Joj:yf - - -

:yug s/ bfloTj 141,117 148,172 155,581

cGobfloTj 2,560,695 2,684,274 2,850,086

32

hf/L ul/Psf] C0fkq 5,162,559 5,162,559 4,662,559

;'/If0f g/flvPsf] ;xfos cfjlws bfloTj

s'n bfloTj 156,074,910 186,395,264 219,241,542

OlSj6L

z]o/ k+'hL 8,887,605 8,887,605 8,887,605

z]o/ lk|ldod 122,092 122,092 122,092

;+lrt d'gfkmf 3,110,859 4,584,135 6,519,253

hu]8fx? 5,650,869 7,217,047 8,866,454

z]o/ wgLx?nfO{ afF8kmfF8 of]Uo s"n OlSj6L 17,771,424 20,810,878 24,395,403

u}/ lgolGqt :jfy{ - - -

s"n OlSj6L 17,771,424 20,810,878 24,395,403

s"n bfloTj / OlSj6L 173,846,334 207,206,142 243,636,945

Gffkmf–gf]S;fg lx;fa

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

cf=j= @)& ÷&& cf=j= @)&&÷&* cf=j= @)&*÷&( Jofh cfDbfgL 16,182,111 19,424,321 23,125,321

Jofh vr{ 10,900,575 13,038,245 15,451,239

v'b Jofh cfDbfgL 5,281,536 6,386,076 7,674,082

z'Ns tyf sldzg cfDbfgL 1,361,810 1,722,550 2,107,194

z'Ns tyf sldzg vr{ 154,763 170,239 187,263

v'b z'Ns tyf sldzg cfDbfgL 1,207,047 1,552,311 1,919,931

v'b Jofh, z'Ns ty sldzg cfDbfgL 6,488,583 7,938,387 9,594,013

v'b Jofkfl/s cfDbfgL 501,240 601,478 711,974

cGo ;~rfngcfDbfgL 159,405 160,376 161,394

hDdf ;~rfng cfDbfgL 7,149,228 8,700,240 10,467,381

shf{sf] hf]lvd Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL (Impairment) 200,857 321,372 462,775

v'b ;~rfng cfDbfgL 6,948,371 8,378,868 10,004,606

;~rfng vr{

sd{rf/L vr{ 2,078,173 2,613,263 3,160,990

cGo ;~rfng vr{ 1,015,132 1,249,158 1,535,091

x|f; s6\6L / kl/iff]wg 130,596 137,125 143,982

;~rfng gfkmf 3,724,470 4,379,321 5,164,543

u}/ ;+rfng cfDbfgL - - -

u}/ ;+rfng vr{ - - -

cfos/ cl3sf] gfkmf 3,724,470 4,379,321 5,164,543

cfos/ vr{

rfn' s/ 1,110,621 1,306,741 1,541,954

:yug s/ 6,720 7,056 7,409

o; cjlwsf] gfkmf 2,607,129 3,065,525 3,615,180

gfkmf afF8kmfF8

a}+ssf] z]o/wgL 2,607,129 3,065,525 3,615,180

u}/ lgolGqt :jfy{ - - -

o; cjlwsf] gfkmf 2,607,129 3,065,525 3,615,180

k|lt z]o/ cfDbfgL

cfwf/e't k|lt z]o/ cfDbfgL 29.33 34.49 40.68

8fOn'6]8 k|ltz]o/ cfDbfgL 29.33 34.49 40.68

gub k|jfx ljj/0f

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

cf=j= @)& ÷&& cf=j= @)&&÷&* cf=j= @)&*÷&( sf/f]jf/ ;~rfngaf6 gub k|jfx

Jofh cfDbfgL 15,491,873 18,595,788 22,138,924

z'Ns tyf cGo cfDbfgL 1,361,810 1,722,550 2,107,194

nfef+z cfDbfgL 267 321 380

cGo sf/f]af/ ;+rfngaf6 cfDbfgL 518,160 618,449 728,996

Jofh vr{ (10,652,210) (12,741,174) (15,099,189)

33

sldzg tyf z'Ns vr{ (154,763) (170,239) (187,263)

sd{rf/L vr{ (2,032,681) (2,577,134) (3,112,513)

cGo vr{ (1,015,132) (1,249,158) (1,535,091)

;+rfng ;DklQ tyf bfloTjsf] kl/jt{g cl3sf] ;+rfng gub k|jfx 3,517,323 4,199,402 5,041,436

;+rfng ;DjlGw rfn' ;DklQdf sld÷-j[l4_

g]kfn /fi6« a}+sdf /x]sf] df}Hbft (958,833) (2,242,704) (1,129,807)

a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft (167,079) (175,433) (184,205)

cGo Jofkfl/s ;DklQ (20,543) (17,666) (19,205)

a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fk6 (886,940) (807,663) (941,607)

u|fxsnfO{ lbOPsf] shf{ tyf ;fk6 (21,430,535) (25,973,307) (27,981,841)

cGo ;DklQ (366,202) 65,325 (154,752)

;+rfng ;DjlGw rfn' bfloTjdf sld÷-j[l4_ (23,830,133) (29,151,449) (30,411,418)

a}+s tyf ljQLo ;+:yfx?nfO{ ltg{ afFls 980,329 2,521,190 3,009,863

g]kfn /fi6« a}+snfO ltg{ afFls 40,869 42,912 45,058

u|fxssf] lgIf]k 22,997,926 27,625,617 30,118,137

C0f tyf ;fk6L - - -

cGo bfloTj 110,112 87,450 117,336

cfos/ e'QmfgL cl3sf] sf/f]af/ ;~rfngaf6 v'b gub k|jfx 3,816,426 5,325,122 7,920,412

cfos/ e'QmfgL (1,119,405) (1,315,964) (1,551,639)

sf/f]af/ ;~rfngaf6 v'b gub k|jfx 2,697,021 4,009,158 6,368,773

nufgL sf/f]af/df gub k|jfx

lwtf]kq nufgL vl/b (11,912,802) (10,636,494) (15,539,024)

lwtf]kq nufgL lalqmaf6 k|fKtL 7,543,182 6,735,024 9,839,305

;DklQ tyf pks/0fx?sf]] vl/b (396,716) (549,056) (265,519)

;DklQ tyf pks/0fx?sf] laqmLaf6 k|fKtL 25,068 34,694 16,778

cd"t{ ;DklQsf] vl/b (8,642) (6,995) (5,647)

cd"t{ ;DklQsf] ljqmLaf6 k|fKtL - - -

nufgL ;DklQsf] vl/b - - -

nufgL ;DklQsf] ljqmLaf6 k|fKtL - - -

Jofh cfDbfgL 690,239 828,533 986,397

nfef+z cfDbfgL 142,218 143,084 143,993

nufgL sf/f]jf/df v'b gub k|jfx (3,917,453) (3,451,210) (4,823,718)

ljlQo sf/f]jf/af6 gub k|jfx

C0fkq lgisfzgaf6 k|fKtL 2,500,000 - (500,000)

C0fkqsf] e'QmfgL (303,520) - -

;'/If0f g/flvPsf] ;xfos cfjlBs bfloTj lgisfzgaf6 k|fKtL - - -

;'/If0f g/flvPsf] ;xfos cfjlBs bfloTjsf] e'QmfgL - - -

z]o/ lgisfzgaf6 k|fKtL - - -

nfef+z vr{ - - -

Jofh vr{ (248,365) (297,071) (352,050)

cGo k|fKtL÷e'QmfgL (22,060) (26,071) (30,655)

ljQLo sf/f]jf/af6 v'b gub k|jfx 1,926,055 (323,142) (882,705)

gub k|jfxdf ePsf] v'b sdL÷a[l4 705,622 234,805 662,350

gub tyf gub ;dfgdf /x]sf] z'?jftL df}Hbft 2,605,759 3,311,382 3,546,187

gub tyf gub ;dfgdf ljlgdo b/ kl/jt{gsf] c;/ - - -

gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 3,311,382 3,546,187 4,208,537

ljQLo k|If]k0fsf cfwf/ tyf tl/sfx?

ljj/0f k|If]lkt -Ü_

cf=j=@)& ÷)&& cf=j=@)&&÷)&* cf=j= @)&*÷&( lgIf]k a[l4b/ 20.11 20.48 18.68

shf{ tyf ;fk6 a[l4b/ 23.29 20.00 18.00

shf{ lgI]fk cg'kft 78.00 78.00 78.00

;~rfng vr{ a[l4b/ 20.97 21.00 21.12

cfos/ b/ k|ltzt 30.00 30.00 30.00

lgIf]ksf] nfut b/ 7.69 7.69 7.69

shf{sf] Jofh cfDbfgL b/ 12.44 12.44 12.44

34

lglis|o shf{ k|ltzt 1.03 0.90 0.85

clgjfo{ gub df}Hbft (CRR) 5.00 5.00 5.00

a}wfgLs t/ntf cg'kft (SLR) 15.75 15.75 15.75

k"FhLsf]if cg'kft (CAR) 13.73 13.00 12.40

cf= j= @)&%÷& df a}+s tyf ljQLo ;+:yfx?sf] lgIf]k !& k|ltzt / shf{ nufgL !* k|ltztn] j[l4 ePsf] 5 . To;} u/L ljut b'O{ cfly{s jif{df a}+ssf] lgIf]k tkm{ @ =)! k|ltzt tyf shf{ nufgLtkm{ @&=)* k|ltzsf] cf};t j[l4 ePsf] 5 . cl3Nnf] cf=j= df /x]sf] cToflws t/ntfsf] rfk cfufdL aif{x?df ;xh x'g] cg'dfg /x]sf] tyf a}+sn] cfkm\gf] zfvf ;~hfn xfn !%( j6f af6 j[l4 ul/ cfufdL jif{df @)) k'of{pg] nIo lnPsf] sf/0fn] k|If]lkt ljj/0f tof/ ubf{ cfufdL tLg cfly{s jif{df lgIf]k tkm{ !(=& k|ltztsf] cf};t j[l4 / shf{ nufgL tkm{ @)=$# k|ltztsf] cf};t j[l4nfO{ cfwf/ agfPsf] 5 . ;fy} a}+sn] ut cfly{s jif{df lj:tf/ u/]sf] gofF zfvfx? ;~rfngdf cfO;s]sf]n] cfufld tLg jif{df cg'dfg ul/Psf] ;~rfng cfDbfgL tyf d'gfkmf ;lhn} k|fKt ug{ ;Sg]df a}+s lj:j:t /x]sf] 5 . cf=j= @)&%÷& ciff9 d;fGtsf] ckl/:s[t ljQLo ljj/0f cg';f/ a}+ssf] lglZs|o shf{ k|ltzt )=&% k|ltzt /x]sf] 5 . a}+sn] cfufdfL cfly{s jif{x?df cf gf] cfGtl/s lgoGq0f sfo{ k|0ffnLnfO{ yk r':t agfpg] / C0f c;'nLnfO{ k|fyldstfsf ;fy cl3 a9fpg] /0fgLlt ckgfPsf]] 5 .

k|If]lkt ljQLo ljj/0f a}+s cfkm}+n] cf gf] bL3{sfnlg /0fgLlt cg'?ktof/ kf/]sf] xf] . a+}sn] b]zsf] cfly{s cj:yf, a+}s tyf ljQLo ;+:yfx?sf] cj:yf tyf ljleGg lgodgsf/L lgsfox?sf] gLlt tyf Joj:yfx?sf] ;'Id ?kdf cWoog u/]/ cf gf] bL3{sfnLg /0fgLlt tof/ u/L nfu" u/]sf] 5 . ;f] /0fgLlt adf]lhd a+}sn] cf gf] zfvf ;~hfn lj:tf/ ug]{, JolQmut / ;fgf tyf demf}nf shf{df j[l4 ug]{, Aofh /lxt tyf lgDg Aofh x'g] rNtL / art lgIf]kdf j[l4 ug]{, u|fxs s]lGb|t gofF of]hgfx? Nofpg], cf gf] cfGtl/s lgoGq0f sfo{ k|0ffnLnfO{ yk r':t agfpg], sd{rf/Lx?sf] Ifdtf clej[l4df ljsf; u/L u|fxsx?sf] klxnf] /f]hfO{sf] a+}s aGg] /x]sf] 5 . kmn:j?k, a+}sn] cf gf] k|If]lkt v'b d'gfkmf tyf kF"hLdf pRr k|ltkmn lbg ;Ifd /xg] ljZjf; lnPsf 5f+} .

gf]6: ljutsf jif{x?sf] sf/f]af/sf] j[l4, a}+sn] u/]sf] cfDbfgL, a}+ssf] efjL of]hgfx?, rfn' jif{sf] k|ult, g]kfn /fi6« a}+sn] tf]s]sf] dfkb08 tyf g]kfn ;/sf/åf/f k|If]lkt ljQLo cfFs8fsf] cfwf/df a}+sn] k|If]lkt ljQLo ljj/0f tof/ u/]sf] xf] / ;f] ljQLo ljj/0fx? >L P=la=P; P08 P;f]l;P6;\sf rf6{8{ Psfp06]G6 >L ljif]z laa'cfrfo{n] k|dfl0ft ug{'ePsf] 5 .

d'Vo lzif{sx?sf] j[l4 / 36L k|ltzt

ljj/0f k|If]lkt -Ü_

sf/0f cf=j @)& ÷)&&

cf=j= @)&&÷)&*

cf=j= @)&*÷&(

hu]8f tyf sf]ifx? 43 34 30 v'b d'gfkmfdf j[l4 ePsf] . lgIf]k 20 20 19 a}+ssf] zfvf ;+hfn lj:tf/ ug]{ /0fgLlt ePsf]n] zfvf dfkm{t lgIf]k ;+sng x'g] . shf{ tyf ;fk6 23 20 18 a}+ssf] zfvf ;+hfn lj:tf/ ug]{ /0fgLlt ePsf]n] zfvf dfkm{t lgIf]k ;+sng x'g] .

nufgL 11 16 20 shf{ lgIf]k cg'kft *) Ü eGbf sd sfod ug'{kg]{ x'+bf lgIf]k ;+sngsf] @) Ü dWosf] /sd nufgL ul/g] .

;+rfng d'gfkmf 12 20 20 shf{sf] Joj;fo lj:tf/ ubf{ ;f] jf6 x'g] cfDbfgLn] ;+rfng d'gfkmfdf j[l4 x'g] .

v'b d'gfkmf 13 18 18 ;+rfng d'gfkmfdf j[l4 x'g] / lgis[o shf{sf] cg'kft sd eO{ gf]S;fgL Joj:yf sd x'g] x'+bf v'b d'gfkmfdf j[l4 x'g] .

;DalGwt cf=j= df g} nfef+z k|:tfj ul/g] / jflif{s ;fwf/0f ;efjf6 kfl/t x'g'kg]{ .

dfly pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt, lgisfzgstf{ a}+ssf] xfnsf] bIftf / lgisfzgstf{ a}+sn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL P=la=P;\ P08 P;f]l;P6;\sf rf6{8{ Psfp06]G6 >L ljz]if laa' cfrfo{n n] k|dfl0ft ug'{ ePsf] 5 . v= ljQLo cg'kft ;DaGwL ljj/0f M -c_ ;+ul7t ;+:yfsf] ;+rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLgjif{ JotLt e}g;s]sf] cj:yfdf ;+rfng

cjlwsf] tyf cfufdL tLgjif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS), k|lt z]o/ g]6jy{ tyf g]6jy{df cf};t k|ltkmn lgDgfg';f/ 5 .

ljj/0f jf:tljs -?=xhf/df_ k|If]lkt*-?=xhf/df_

@)&@÷)&#** @)&#÷)&$ @)&$÷)&% @)&%÷)& *** @)& ÷)&& @)&&÷)&* @)&*÷)&( z]o/ k"FhL 4,496,143 6,628,879 8,464,385 8,887,605 8,887,605 8,887,605 8,887,605

hu]8f tyf sf]if 1,745,651 4,490,306 5,238,443 6,200,578 8,883,820 11,923,273 15,507,798

36fpg]M ckn]vg ug{ afFsL vr{ - - - - - -

hDdf g]6jy{ 6,241,794 11,119,185 13,702,828 15,088,183 17,771,424 20,810,878 24,395,403

z]o/ ;+Vof -xhf/df_ 44,961 66,289 84,644 88,876 88,876 88,876 88,876

k|lt z]o/ g]6jy{ ?= 138.83 167.74 161.89 169.77 199.96 234.16 274.49

k|lt z]o/ cfDbfgL 27.91 26.60 26.45 26.59 29.33 34.49 40.68

g]6jy{df cf};t k|ltkmn -Ü_ 20.11 12.61 13.90 15.30 14.67 14.73 14.82

35

ljut # jif{sf] -n]vfk/LIf0f ePsf]_ g]6jy{df ePsf] cf}ift k|ltkmnM !%=%$Ü

* k|If]lkt ljQLo ljj/0f sDkgL cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? >L P=la=P; P08 P;f]l;P6;\sf rf6{8{ Psfp06]G6;\sf >L ljif]z laa'cfrfo{n] k|dfl0ft ug{'ePsf] 5 .

**cfly{s jif{ @)&@÷&# sf] ;f] jif{sf] n]vfkl/If0f ePsf] ljQLo ljj/0fsf] cfwf/df u0fgf ul/Psf] 5 . ***cfly{s jif{ @)&%÷& sf] Joj:yfkgaf6 k|dfl0ft ePsf] ljQLo ljj/0fsf] cfwf/df u0fgf ul/Psf] 5 .

!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M s= lwtf]kq hf/L ug'{sf] p2]Zo M

a}+sn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwnfO{ lj:tf/ ug{sf nflu cfjZos k"FhL ;+sng ug{ . a}+ssf] k|aGwkq tyf lgodfjnLdf pNn]v ul/Psf] p2]Zox? cg'?k ug'[{kg]{ sfo{x?sf] nflu cfjZos k"FhL h'6fpg . sDkgLsf] k"FhLsf]if j[l4 ug{ .

v= lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M -c_ lgisfzgaf6 k|fKt x'g] s'n /sdnfO{ k|of]u ug]{ If]q ;DaGwL ljj/0f M

sDkgLn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{sf nflu cfjZos k"FhL ;+sng ug{ .

sDkgLsf] k"/s k"FhLsf]if (Supplementary Capital) j[l4 ug{ . k|aGwkqdf pNn]v ul/Psf p2]Zo cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{ k"FhL h'6fpg . cfufdL lbgdf a}+ssf] shf{ tyf nufgL kl/rfngdf cfjZos kg]{ k"FhLsf] nflu pkof]u ug{ . shf{ sf/f]af/df ljljwtf Nofpg ;–;fgf kl/of]hgf b]lv cltl/Qm 7"nf–7"nf kl/of]hgf Pj+ pBf]u If]qdf shf{ k|jfx ug{ e}/x]sf]

k"FhLaf6 Psn C0fL ;Ldf (Single Borrower Limit) ckof{Kt x'g] ePsf]n] oL If]qx?df shf{ j[l4 ul/ b]zsf] pBf]u wGbfsf] ljsf;df ;xof]u ug{ r"Qmf k"FhL j[l4 ug{ clgjfo{ ePsf] .

shf{ sf/f]af/ j[l4 x'Fb} uPkl5 hf]lvd efl/t ;DklQ klg o;} cg';f/ j[l4 x'Fb} hfg] ePsf]n] g]kfn /fi6« a}+ssf lgb]{zg adf]lhd hf]lvd efl/t ;DklQsf] cfwf/df /fVg' kg]{ Go"gtd k"FhLsf]if sfod /fVg r'Qmf k"FhL j[l4 ug'{ kg]{ ePsf] .

C0fkq hf/L kZrft k|fKt /sdaf6 o; a}+sn] gofF kl/of]hgfx?df nufgL a9fpg] tyf gofF zfvf sfof{nox?sf] ef}lts k"jf{wf/ a9fOg], a}+ssf] ;"rgf k|ljlwsf] ljsf; ug]{ tyf a}+ssf] :yfloTj, ljsf; tyf lj:tf/sf] nflu bL3{sfnLg b[li6sf]0f Pj+ k|lt:kwf{Tds eO{/xg pko"Qm b]lvP adf]lhd a}+ssf] l:y/ ;DklQ ;[hgf ul/ j[l4 ub}{ nlug]5 .

o;/L k|fKt x'g] /sdaf6 a}+sn] ug]{ ul/Psf] lgIf]k tyf shf{ sfo{qmd nufot cGo ;]jf Joj;fosf] k|j4{gsf nflu klg vr{ ul/g]5 .

C0fkq lgisfzg u/L k|fKt x'g] k"FhL sDkgL P]g, g]kfn /fi6« a}+s P]g tyf cGo k|rlnt sfg"gsf] clwgdf /xL a}+ssf] Joj;flos k|of]hgdf pkof]u ul/g]5 . C0fkq hf/L u/L k|fKt x'g] C0f kF"hLsf] pkof]u ;DaGwdf b]xfo cg';f/ pNn]v ul/Psf] 5 .

qm=;+= ljj/0f k|ltzt /sd -?=_ != shf{ tyf ;fk6 *) Ü @,))),))),)))÷– @= nufgL !) Ü @%),))),)))÷– #= zfvf lj:tf/ Ü !%),))),)))÷– $= cGo $ Ü !)),))),)))÷–

hDDff !)) Ü @,%)),))),)))÷–

-cf_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf] nflu ckgfOg] j}slNks Joj:yf M ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf] nflu JolQmut tj/÷kl/kq ljlwaf6 laqmL ul/g]5 .

-O_ 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 M ;f] gePsf] .

-O{_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt ldlt M ;f] gePsf] . -p_ ;+ul7t ;+:yfn] s'g} pks/0f v/Lb 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] . -pm_ 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] .

36

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

-P]_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M ;f] gePsf] . -cf]_cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M ;f] gePsf] . -cf}_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL ljj/0f M

-!_ lgisfzg tyf laqmL k|aGws M o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] C0fkqsf] lgisfzg tyf laqmL k|aGws ;DaGwL sfo{sf nflu lgo'Qm >L PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f}++nfO{ pQm ;]jf k|bfg u/] afkt Psd'i7 ?= %,)),)))÷– -cIf/]kL kfFr nfv ?k+}ofF dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .

-@_ 6«i6L -l8a]Gr/ lgisfzgsf] xsdf_ M l8a]Gr/ 6«i6Lsf] ;]jf k|bfg u/] afkt >L PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f}++nfO{ ;]jf z'Ns :j?k jflif{s ?= @),)))÷– -cIf/]kL la; xhf/ ?k+}ofF dfq_ sf b/n] Psd'i7 ?= !,$),)))÷– -cIf/]kL Ps nfv rfnL; xhf/ ?k}+of dfq_ lbOg]5 .

-#_ qm]l86 /]l6Ë z'Ns O{qmf g]kfn lnld6]8nfO{ C0fkq lgisfzgsf] nflu qm]l86 /]l6ª ;]jf k|bfg u/] afkt Eof6 ;d]t Psd'i7 ?=&,#$,%))÷— -cIf/]kL ;ft nfv rf}tL; xhf/ kfFr ;o ?k+}ofF dfq_ / k|To]s jif{ C0fkq cjlw ;Ddsf nflu aSof}tf lgisfzg /sdsf] )=)! k|ltzt jf sDtLdf ? %),)))÷– -cIf/]kL krf; xhf/ ?k+}ofF dfq_ b'j} dWo] h'g sd x'G5, ;f] /sd jflif{s ;]jf z'Nssf] ?kdf lbOg]5 .

-$_ k|Tofe"ltstf{ M ;f] gePsf] . -%_ lj1x? M

o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df l;4fy{a}+s lnld6]8 cfkm}+ /x]sf] 5 / 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/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df P=la=P; P;f]l;P6;\sf rf6{8{ Psfp06]06 >L ljif]z laa' cfrfo{ /xg' ePsf] 5 . pQm ;]jf k|bfg u/] jfkt P=la=P; P;f]l;P6;\, rf6{8{ Psfp06]06nfO{ Eof6 ;d]t ?= @*,@%)÷– -cIf/]kL c7\7fO; xhf/ b'O{ ;o krf; ?k}+of dfq_ ;]jf z'Nssf] ?kdf lbOPsf] 5 .

-^_ n]vfk/LIfs M cf=j= @)&$÷&% df o; a+}ssf] n]vfk/LIfsdf >L P;=P=cf/ P;f]l;P6;\, rf6{8{ Psfp06]06 lgo'Qm ePsf] / rfn' cf=j= @)&%÷& sf nflu ;d]t a+}ssf] ;qf}+ ;fwf/0f ;efaf6 ;f]xL sDkgL n]vfk/LIfssf ?kdf lgo'Qm ePsf] 5 . / o; ;fj{hlgs lgisfzgsf] nflu n]vf kl/If0fnfO{ e'QmfgL gul/Psf] .

-&_ cGo M cfj]bsn] cfj]bg lbPsf] ldlt b]lv af8Fkmf8 ul/Psf] ldlt ;Dd cfj]bg /sddf lgisfzg sDkgLn] tf]s] adf]lhd Aofh lbO{g] 5 .=

u= ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tt\ ;DaGwL ljj/0f M ;f] gePsf] .

3= lk|ldoddf lwtf]kq hf/L ug]{ ePdf lk|ldod yKg' kg]{ sf/0f / cf}lrTo M lk|ldod yk gul/Psf]] . ª lwtf]kqsf] afF8kmfF8, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL Joj:yf M

-c_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf8sf] k|s[of o; ljj/0fkqåf/f ;j{;fwf/0f tyf kl/kq ljlw dfkm{t hf/L ul/Psf] C0fkqv/Lbsfnflu cfjZos eGbf cTolws dfu eO{ b/vf:t k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq lgisfzg tyf aFf8kmFf8 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ C0fkqx? afF8kmFf8 ul/g]5 . olb lgisfzg ul/Psf] C0fkqsf] ;+Vof eGbf sd C0fkq vl/bsf] nflu b/vf:t k|fKt x'g cfPdf sDkgL P]g, @) #, g]kfn lwtf]kq af]8{sf] k|rlnt Joj:yf tyf lgb]{zg adf]lhd ;~rfns ;ldltn] lg0f{o u/L laqmL ljt/0f tyf afF8kmfF8 ul/g]5 . s'g} Ps ;d"xaf6 lgisfzg ul/Psf] C0fkq eGbf a9Lsf] cfj]bg k|fKt eO{ csf]{ ;d"xdf lgisfzg ul/P eGbf sd C0fkq v/Lbsfnflu cfj]bg k|fKt x'g cfPdf a9L dfu cfP a/fa/sf] C0fkq csf]{ ;d"xdf yk u/L afF8kmfF8 ul/g] 5 .

-cf_ cTolws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joj:yf M ælwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ cg'?k l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 dfq cfj]bg lbg ;Sg]5 / cfj]bsx?sf] ;DjlGwt a}+s tyf ljQLo ;+:yfn] g} afF8kmfF8df gkg]{ nufgLstf{sf] lwtf]kq v/Lbsf] cfj]bg adf]lhd /f]Ssf /fv]sf] vftfsf] /sd dfq /f]Ssf km's'jf ul/lbg]5 .

37

-O_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M pk/f]Qm Joj:yf l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf nfu' x'g] 5}g . kl/kq ljlwaf6 cfj]bg lbg] cfj]bsx?sf] xsdf cfj]bg lbPsf] ldlt b]lv afF8kmfF8 ePsf] ldlt ;Dd a}+sn] tf]s] adf]lhdsf] Aofh e'QmfgL lbOg]5 .

-O{_ lwtf]kq afF8kmFf8 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M o; ljj/0fkq cg';f/ hf/L ul/Psf] C0fkqx? lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ lgwf{l/t ;doleq afF8kmfF8 u/L k|rlnt Joj:yf cg';f/ lgwf{l/t cjlwleq afF8kmfF8af6 sfod ePsf C0fkqwgLx?nfO{ lghx?sf] l8Dof6 vftfdf hDdf ul/g]5 . ;fy}, C0fkqwgLx?n] k|To]s cw{jflif{s cjlwdf k|fKt ug]{ Aofhsf] lx;fasfnflu Aofhb/sf] s'kg k|bfg ul/g]5 / ;f]xL s'kgdf pNn]v eP adf]lhd C0fkqwgLx?nfO{ Aofh e'QmfgL ul/g] 5 .

-p_ lwtf]kq ;"rLs/0f eO{ ;s]sf] eP, To:tf] lwtf]kq ;"lrs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kqsf] sf/f]af/ z'?x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DaGwL ljj/0f M o; a}+ssf] b]xfo adf]lhdsf] lwtf]kqx? g]kfn :6s PS;r]Gh ln= df ;"rLs/0f ul/Psf] 5 .

l;=g+= ;"rLs/0f e};s]sf] lwtf]kqsf] ljj/0f r'Qmf /sd -?=_ != ?= !))÷– b/sf] *,**,& ,)$%=# lsQf ;fwf/0f z]o/ *,**,& ,)$,%# ÷– @= ?= !,)))÷– b/sf] #,)#,%@) lsQf * Ü P;= la= Pn l8a]Gr/ @)& #),#%,@),)))÷– #= ?= !,)))÷– b/sf] %,)),))) lsQf &=% Ü P;= la= Pn l8a]Gr/ @)&* %),)),)),)))÷– $= ?= !,)))÷– b/sf] @!, @,%%( lsQf !)=% Ü P;= la= Pn l8a]Gr/ @)*@ @,! ,@%,%(,)))÷–

-pm_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kq k|rlnt P]g lgod cg';f/ ;xh v/Lb, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DaGwL ljj/0f M o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf k|rlnt lwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf, @)&$ ;DaGwL Joj:yf cg';f/ C0fkqsf] afF8kmfF6 u/] kZrft g]kfn :6s PS;r]Gh lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df k|lrlnt Joj:yf cg';f/ ;"lrs/0f tyf btf{ u/fO{ C0fkq vl/b tyf /fkm;fkmsf] nflu cfjZos Joj:yf ldnfO{g]5 .

r= k|Tofe"lt ;DaGwL ljj/0f M -c_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M;f] gePsf] . -cf_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d'Vo d'Vo a'Fbfx?

;f] gePsf] . 5= cfj]bg lbFbf Wofg lbg'kg]{ s'/fx? M -c_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/dfkl/jt{g ug]{

k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf lwtf]kq vf/]hL cflb ;DaGwL Joj:yf k|rlnt sfg"g adf]lhd x'g]5÷ul/g]5 . ;fy} o; ljj/0fkq dfkm{t lgisfzg ul/Psf] C0fkq vl/bsf] nflu cfj]bg u/L C0fkq afF8kmfF8 eP kZrft\ sfod C0fkqwgLx?n] sDkgLsf] jflif{s ;fwf/0f ;efdf efu lng / dtbfg ug{ kfpg] 5}gg\ .

-cf_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;lsg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dflylng] ePdf s'g u'0ff‹df lng ;lsg] xf] ;f] ;DaGwL ljj/0f M != o; sDkgLsf] k|aGwkq tyf lgodfjnL /lhi68{ sfof{no xfQL;f/, sf7df08f}df / o; lgisfzg sfo{sf nflu lgo'Qm lwtf]kq

lgisfzg tyf laqmL k|aGws >L PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f}++}+df sfof{no ;doleq ;Dks{ /fvL x]g{ jf k|fKt ug{ ;lsg] 5 .

@= o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/bsf nflu b/vf:t lbFbf b/vf:tjfnfn] Go"gtd @% -kRrL;_ lsQf / @% -kRrL;_ lsQf eGbf a9L C0fkq vl/b ug{sf nflu ! c+ssf] u'0ffÍdf clwstd ;Dk"0f{ lsQf C0fkq vl/b ug{sf nflu b/vf:t lbg ;lsg]5 .

#= o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/bsf ug{sf nflu b/vf:t lbFbf b/vf:tjfnfn] b/vf:t;fy cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?= !,)))÷– sf b/n] x'g cfpg] Psd'i7 /sd g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt l;–cf:af (C-ASBA) ;b:o /x]sf] a+}s tyf ljQLo ;+:yfdf hDdf u/L cfj]bg lbg ;Sg]5g\ .

-O_ cfj]bg lbFbf kfng ug{'kg]{ zt{ aGb]hx? M

38

JolQmut tj/÷kl/kq ljlwaf6 cfj]bg lbFbf kfngf ug'{kg]{ zt{ tyf aGb]hx? M != s'g} klg g]kfnL gful/s tyf ;+ul7t ;+:yfn] o; ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg ;Sg]5g\ .

cfj]bsn] cfkm'n] lng rfx]sf] C0fkq, clwstd l;df v'Ng] ul/ o;} C0fkqsf] laqmL k|aGwsnfO{ lnlvt ?kdf lgj]bg k]z ug'{kg]{5 .

@= cfj]bg lbbfF cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vof / To;sf] /sd v'nfO{ cfj]bg lbg'kg]{5 . #= cfj]bg kmf/ddf cfj]bssf] k'/f gfd -g]kfnL tyf c+u|]hL b'j}df_ eg'{ kg]{5 . $= cfj]bsn] cfj]bg;fy cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?= !,)))÷– sf] b/n] x'g cfpg] /sd a/fa/sf]

PgPdla Soflk6n lnld6]8sf] gfddf lvlrPsf] Psfp06 k]oL r]s ;+nUg ug'{ kg]{5 . o;/L r]s dfkm{t /sd a'emfpg'x'g] cfj]bsx?n] cfj]bgdf ;f] r]ssf] gDa/ / r]ssf] k5fl8 cfj]bssf] gfd clgjfo{ ?kdf v'nfpg' kg]{5 .

%= sDkgL jf ;+:yfn] C0fkqsf nflu cfj]bg lbFbf sDkgL jf ;+:yfsf] btf{ k|df0fkqsf] k|ltlnlk / nufgL ug]{ ;DaGwdf ;~rfns ;ldltsf] lg0f{o ;dfj]z u/]sf] x'g'kg]{5 .

= ?= !),)),)))÷– ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f] eGbf a9L /sdsf] nflu cfj]bg lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cfkm\gf] :yfoL n]vf gDa/ (PAN ) v'nfpg'kg]{5 . o; cltl/Qm ?= !),)),)))÷– jf ;f] eGbf a9L /sd cfj]bg lbg] cfj]bsx?n] cfkm'n] cfj]bg lbFbf hDdf u/]sf] /sd ;DklQ z'l4s/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 .

;j{;fwf/0f tkm{af6 cfj]bg lbFbf kfngf ug'{kg]{ zt{ tyf aGb]hx? M != s'g} klg g]kfnL gful/s tyf ;+ul7t ;+:yfn] o; ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg ;Sg]5g\ . @= cfj]bg lbbfF cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vof / To;sf] /sd v'nfO{ cfj]bg lbg'kg]{5 . #= b/vf:t cfj]bg lbFbf l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t cfj]bg kmf/d a'emfpg kg]{5 / ;f]xL ;+:yfaf6

pknAw u/fO{g] cfj]bg kmf/ddf pNn]lvt ;Dk'0f{ ljj/0fx? :ki6 ?kdf pNn]v ug'{ kg]{ 5 . ;f] ;DaGwL cGo k|s[of tyf z'Ns ;DaGwL Aoj:yf ;DalGwt l;–cf:af (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfn] cf gf] sfof{nosf] ;"rgf kf6L, j]a;fO{6 jf /fli6«o:t/sf] b}lgs kqklqsfdf k|sflzt u/L tf]s]adf]lhd x'g]5 .

$= cfj]bsx?n] cfj]bg lbbf l;–cf:jf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfdf /x]sf] cfj]bg jfktsf] /sd /f]Ssf /flvg] vftf cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lglis|o /x]sf] x'g'x'b}g .

%= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] C0fkqsf] 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 .

= l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ C0fkq afF8kmfF8df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/ cfj]bs÷;DalGwt l;–cf:jf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yf :jo+ x'g]5 .

&= C0fkq vl/bsf nflu b/vf:t lbFbfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 v/Lb u/]sf] C0fkq afktsf] /sd e'QmfgL gx'Fb} k|rlnt sfg'g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf ljs|L k|aGwsn] To:tf] b/vf:t kmf/dnfO{ /2 u/L ;f] sf] hfgsf/L ;DalGwt l;–cf:jf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfnfO{ u/fpg]5 .

!!= ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M lgisfzgstf{ ;+ul7t ;+:yf / lgDglnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]af/ ePsf] jf s'g} sf/f]af/ ug{ k|:tfj ul/Psf] eP sf/f]af/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+:yf;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd ;DaGwL ljj/0fM

-s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] JolQm M sf/f]af/ gePsf] . -v_ cfwf/e"t z]o/wgL M sf/f]af/ gePsf] . -u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M sf/f]af/ gePsf] . -3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltztjf ;f] eGbf a9L dtflwsf/ x'g] u/L z]o/ :jfldTj

u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M sf/f]af/ gePsf] . -ª_ ;+ul7t ;+:yfsf] jf o;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf

u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo ;+:yfsf]] ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP ;f] s'/f M sf/f]af/ jf ;Demf}tf u/]sf] 5}g .

-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] Jofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflbsf] ljj/0f M sf/f]af/ gePsf] .

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

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

39

-s_ ;+ul7t ;+:yfsf] ljut # cf=j=sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go'gtd / clGtd ahf/ d"Nosf ;fy} sf/f]af/ ePsf] z]o/ ;+Vof M

cfly{s jif{ clwstd z]o/ d'No -?_ Go"gtd z]o/ d'No -?_ clGtd d'No -?_ z]o/ sf/f]af/ ;+Vof @)&#÷)&$

@)&# c;f]h d;fGt !,$$* !,$)) !,!)) @ , ),*)# @)&# kf}if d;fGt !,!)@ *%) (( !$, @,**( @)&# r}q d;fGt !,)!% ((& &&% !),*$,& ( @)&$ c;f/ d;fGt *)) &$& $*% ! ,@),@ )

@)&$÷)&%

@)&$ c;f]h d;fGt %)) $** $!& ,&(,&@$ @)&$ kf}if d;fGt $#$ $@@ #&% ,$$,%$# @)&$ r}q d;fGt #*) #&% #)% (,@$, (& @)&% c;f/ d;fGt #&@ #%@ #)) !),!%,(*)

@)&%÷)&

@)&% c;f]h d;fGt #%) @(! ##& !!,!),) ( @)&% kf}if d;fGt #%) @*& @(# &,&(,#(! @)&% r}q d;fGt #@! @&@ #!$ &,# , ( @)& ciff9 d;fGt # ! #!@ #!* &,#$,! %

*l;4fy{ a}+s lnld6]8sf] clGtd k6s cf=j @)&$÷&% sf] %Ü af]gz z]o/ ldlt @)&%÷!@÷!$ df g]kfn :6s PS;r]Ghdf lnld6]8df ;'rLs/0f eO sf/f]af/ eO/x]sf] 5 .

-v_ lwtf]kq 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]af/ ePsf] s'n lbg / s'n sf/f]af/ ePsf] lwtf]kqsf] ;+Vof M

ljj/0f clwstd d'No -?=_ Go"gtd d'No -?=_ clGtd d'No -?=_ z]o/ sf/f]jf/ ;+Vof Dff3 @)&% @( @&( @*! !,*(,@*% kmfNu'g @)&% #)! @& @*! !,*(,@*% r}q @)&% #@! @*) #!$ #,*),()& Jf}zfv @)& # ! #!% #$) (,$%,)@& h]i7 @)& #%% #!% #@$ $,#(,&*$ ciff9 @)& ##! #!@ #!* &,#$,! %

!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M ;+ul7t ;+:yfn] o; eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]vLt ul/Psf nIo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo tyf sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln] Go"g x'g uPsf] eP o;/L km/s kgf{sf] sf/0f M o; C0fkq lgisfzg eGbf cl3 a}+sn] ldlt @)&$÷)(÷)# df lwtf]kqaf6 :jLs[t eO{ ldlt @)&$÷!!÷)@ af6 lgisfzg v'nf u/L xsk|b z]o/ lgisfzg u/]sf] / ;f] k|of]hgsf] nflu k|sflzt ljj/0fkqdf pNn]lvt v'b d'gfkmf eGbf a9L d'gfkmf cfh{g ug{ a}+s ;kmn /x]sf] 5 / cGo nIo tyf sfo{s|dx? klg xfl;n ug{ ;kmn ePsf] 5 / ;f] ljj/0fkqdf cf=j= @)&%÷& sf] k|If]k0f ul/Psf] / cf=j= @)&%÷& ;dfKt eO g;s]sf] sf/0f cl3Nnf] jif{ lnPsf] .

jf;nft /sd -?= xhf/df_

ljj/0f cf=a @)&$÷&% km/s

sf/0f k|If]lkt jf:tljs ?= Ü

;DklQ

gub tyf gub ;dfg 40,38,794 44,53,213 4,14,420 10

b}lgs sf/f]af/sf] l;nl;nfdf zfvfx?df gub tyf a}+s df}}Hbft sd sfod ul/Psf] .

g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{

58,54,226 64,54,927 6,00,701 10

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

14,61,197 16,11,130 1,49,933 10

8]l/e]l6e ljQLo pks/0f 3,008 3,706 698 23 cGo Jofkfl/s ;DklQ 65,997 81,318 15,321 23 shf{ tyf ;fk6L a}+s tyf ljQLo ;+:yfnfO{

27,28,570 28,41,166 1,12,596 4 zfvf lj:tf/sf] sf/0f a9L shf{ k|bfg .

shf{ tyf ;fk6L u|fxsnfO{ 79,937,417 83,236,088 3,298,671 4

lwtf]kqdf nufgL 15,089,977 18,592,942 3,502,966 23 lgIf]k a9L ;+sng ePsf] x'+bf yk nufgL ul/Psf] .

40

rfn' s/ ;DklQ 68,000 68,229 229 - ;xfos sDkgLdf nufgL 51,000 51,000 - - ;xof]uL sDkgLdf nufgL - - -

nufgL ;DklQx? 125,503 154,638 29,134 23

;DklQ tyf pks/0f 902,235 1,072,323 170,088 19 zfvf lj:tf/ ug{ yk l:y/ ;DklQ vl/b .

Voflt tyf cd't{ ;DklQ 12,000 12,089 89 1 :yug s/ ;DklQ - - -

cGo ;DklQ 2,045,302 1,236,450 (808,852) (40) b}lgs sf/f]af/sf] l;nl;nfdf lng jf+sL /sd a9L ePsf] .

s'n ;DklQ 112,383,226 119,869,219 7,485,993 7 bfloTj

a}+s÷ljQLo ;+:yfnfO{ ltg{ afFsL 7,075,627 7,448,515 372,888 5 b}lgs sf/f]af/sf] l;nl;nfdf cGt/ a}+s shf{ ;fk6 lnPsf] .

g]kfn /fi6« a}+snfO{ ltg{ afFls 24,864 692,427 667,563 2,685 8]l/e]l6e ljQLo pks/0f 2,648 73,755 71,106 2,685

u|fxsaf6 lgIf]k 89,823,475 94,579,591 4,756,117 5 zfvf lj:tf/sf] sf/0f a9L lgIf]k ;+sng .

ltg{ afFsL shf{ tyf ;fk6L - - - - rfn' s/ bfloTj - - - - Joj:yf - - - - :yug s/ bfloTj 260,000 261,913 1,913 1

cGo bfloTj 2,177,050 1,906,670 (270,380) (12) b}lgs sf/f]af/sf] l;nl;nfdf e'QmfgL lbg jf+sL /sd sd ePsf] .

hf/L ul/Psf] C0fkq 1,203,520 1,203,520 - - ;'/If0f g/flvPsf] ;xfos cfjlws bfloTj

- - - -

s'n bfloTj 100,567,184 106,166,390 5,599,206 6 OlSj6L

z]o/ k+'hL 8,653,729 8,464,385 (189,344) (2) af]g; z]o/ !$ Ü dfq k|bfg ul/Psf] .

z]o/ lk|ldod 122,092 122,092 - - ;+lrt d'gfkmf 732,070 1,184,426 452,356 62

hu]8f tyf sf]ifx? 2,308,152 3,931,925 1,623,774 70 v'b d'gfkmfdf jl4 tyf cfDbfgL ;+lrt ul/Psf] .

z]o/ wgLx?nfO{ afF8kmfF8 of]Uo s"n OlSj6L

11,816,042 13,702,828 1,886,786 16

u}/ lgolGqt :jfy{ - - - - s"n OlSj6L 11,816,042 13,702,828 1,886,786 16 s"n bfloTj / OlSj6L 112,383,226 119,869,219 7,485,993 7

gfkmf gf]S;fg lx;fj /sd -?= xhf/df_

ljj/0f cf=a @)&$÷&% km/s

sf/0f k|If]lkt jf:tljs ?= Ü

Aofh cfDbfgL 9,675,075 10,057,003 381,928 4 shf{ tyf nufgL j[l4 eO{ ;f] sf] Jofh j[l4 ePsf] .

Aofh vr{ 6,874,070 6,620,744 (253,326) (4) lgIf]k tyf ;f]sf] nfutdf sld ePsf] .

v'b Aofh cfDbfgL 2,801,005 3,436,259 635,254 23 dfly pNn]lvt sf/0f . z'Ns tyf sldzg cfDbfgL 750,000 779,704 29,704 4 sldzg a9L cfh{g ePsf] . z'Ns tyf sldzg vr{ 123,091 127,903 4,812 4 sf/f]af/ j[l4 eO{ vr{ a9]s] . v'b z'Ns / sldzg cfDbfgL 626,909 651,801 24,892 4 dfly pNn]lvt sf/0f . v'b Jofh, z'Ns / sldzg cfDbfgL 3,427,914 4,088,059 660,146 19 dfly pNn]lvt sf/0f . v'b Jofkfl/s cfDbfgL 240,000 258,681 18,681 8 sf/f]af/ j[l4 eO{ cfDbfgL a9]s] . cGo ;~rfng cfDbfgL 205,000 308,497 103,497 50 sf/f]af/ j[l4 eO{ cfDbfgL a9]s] . hDdf ;~rfng cfDbfgL 3,872,914 4,655,237 782,324 20 dfly pNn]lvt sf/0f .

41

shf{sf] hf]lvd Joj:yf÷-lkmtf{_ tyf cGo gf]S;fgL (Impairment)

125,325 230,394 105,069 84 shf{df gf]S;fgL yk ePsf] sf/0f .

v'b ;~rfng cfDbfgL 3,747,589 4,424,844 677,255 18 dfly pNn]lvt sf/0f .

;~rfng vr{

sd{rf/L vr{ 999,760 1,085,844 86,084 9 sd{rf/L yk ePsf]n] vr{ a9L ePsf .

cGo ;~rfng vr{ 472,451 490,921 18,469 4 zfvf yk ePsf]n] vr{ a9L ePsf] .

x|f;s6\6L / kl/iff]wg 113,998 118,454 4,456 4 zfvf yk ePsf]n] vr{ a9L ePsf] .

;~rfng d'gfkmf 2,161,380 2,729,625 568,245 26 dfly pNn]lvt sf/0f . u}/ ;+rfng cfDbfgL - 400 400

ckn]lvt /sd c;'n ePsf] .

u}/ ;+rfng vr{ - - -

cfos/ cl3sf] d'gfkmf 2,161,380 2,730,025 568,645 26 dfly pNn]lvt sf/0f .

cfos/ vr{

-

rfn' s/ 648,414 819,701 171,287 26 Gfkmfdf km/s ePsf] x'+bf af]g; kl/jt{g .

:yug s/ - 6,262 6,262

o; cjlwsf] d'gfkmf 1,512,966 1,904,062 391,096 26 dfly pNn]lvt sf/0f .

!%= k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M -s_ n]vfk/LIfs÷ 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 n]vfk/LIfs M sDkgL sf] cf=j= @)&$÷&% sf]] n]vfk/LIf0f >L P;=P=cf/= P;f]l;P6\;, rf6{8{ Psfp06]0;\sf >L ;'lg/ s'df/ 9'Ë]n n] ug'{ePsf] 5 . pQm cfly{s jif{sf] n]vfk/LIfssf] k|ltj]bg cg';"rL ! df pNn]v ul/Psf] 5 . ;fy}, cfly{s jif{ )&%÷)& sf] nflu klg >L P;=P=cf/= P;f]l;P6\;, rf6{8 Psfp06]0;\ >L ;'lg/ s'df/ 9'Ë]n lgo'Qm x'g' ePsf] 5 .

lgisfzg a}+s (Bankers to the Issue) M o; ljj/0f kq dfkm{t lgisflzt C0fkqx?sf] nflu lgisfzg a}+s (Banker to the Issue) sf] ?kdf l;4fy{ a}+s lnld6]8, xfQL;f/nfO{ tf]lsPsf] 5 .

ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df lgisfzgstf{ sDkgL cfkm}+ /x]sf] 5 .

ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 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]{ ljz]if1 P=la=P; P08 P;f]l;P6\;sf rf6{8{ Psfp06]06 >L ljz]if laa' cfrfo{n] k|dfl0ft ug'{ePsf] 5 .

-v_ dfly v08 -s_df pNn]lvt ;+:yf jf JolQm;Fu ePsf] ;xdltsf d'Vo d'Vo a"Fbf tyf zt{x? M n]vfk/LIfs M n]vfk/LIfsn] a+}ssf] cf=j= @)&%÷& sf] n]vfk/LIf0f u/L k|ltj]bg k]z ug]{ .

lgisfzg a}+s (Bankers to the Issue) M lkmtf{ e'QmfgL ubf{ s'g} k|sf/sf] G 6 gxf]; eGg] ;d]t p2]Zon] lgisflzt C0fkqdf nufgLstf{x?af6 k|fKt nufgL /sd lgisfzg a}+s (Bankers to the Issue) df vf]lnPsf] C0fkq vftfdf hDdf u/L ;f] sf] ;+o'Qm ;'/If0f lgisfzg sDkgL tyf lwtf]kq lgisfzg tyf laqmL k|aGwssf] /xg]5 .

!^=kl/of]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/0f M ;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 Joj:yfkgsf] wf/0ff M ;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] .

42

-u_ ljut kfFr jif{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] ;+:yfks÷;+rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd ;DaGwL ljj/0f 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/0f M ;f] gePsf] .

!*=u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M o; ;fj{hlgs lgisfzg ;DaGwdf nufgLstf{x?sf] u'gf;f] ;'Gg / ;f] sf] ;dfwfgsf] nflu lwtf]kq lgisfzg tyf laqmL k|aGwssf] sfof{no PgPdla Soflk6n lnld6]8, gfukf]v/L sf7df8f}+df Ps ljz]if sIfsf] Joj:yf ul/Psf] 5 . nufgLstf{x?n] b]xfo adf]lhdsf] dfWoddfkm{t cf gf] sfof{no ;do leq u'gf;f] tyf ;'emfj k|]lift ug{ ;Sg]5g\ M ;Dks{ JolQm M >L :d[lt dxh{g, kmf]g g+ (&&—)!—$$#&( # PS;6]G;g M !!$

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

@)=C0fkq lgisfzg ;DaGwL ljj/0f M -s_ o; ljj/0fkqdfkm{t lgisfzg ug{ nfluPsf] æP;=la=Pnl8a]Gr/ @)*#Æ ;DaGwL ljj/0f b]xfo adf]lhd /x]sf] 5M

-c C0fkq lgisfzgsf] zt{ aGb]hx? M C0fkq lgisfzg ;DaGwL zt{ / aGb]h o; ljj/0fkqsf] a'Fbf gDa/ !) -5_ -O_ df 5 . -cf_ C0fkqsf] cjlw (Maturity Period) M o; C0fkqsf] cjlw C0fkqsf] afF8kmfF8 ePsf] lbgaf6 & -;ft_ jif{sf] x'g]5 . ;f] cjlw

kZrft sDkgLn] o; C0fkqsf] ;fFjf / clGtd ls:tfsf] ltg{ afFsL Aofh /sd Psd'i7 e'QmfgL ug]{5 . -O_ lgisfzg ul/g] C0fkqsf] /sdM ;ft jif{ cjlw tyf jflif{s !)=@% k|ltzt Aofhb/ ePsf] ?= @ ca{ %) s/f]8 a/fa/sf] k|lt

C0fkq?=!,)))÷— c+lst d"Nosf @%,)),))) lsQf dWo] !%,)),))) lsQf l8a]Gr/n] x'g cfpg] s"n ? ! ca{ %) s/f]8 C0fk"FhL /sd kl/kq ljlw (Private Placement) af6 / !) nfv lsQf l8a]Gr/n] x'g cfpg] s'n ?= ! ca{ C0fk"FhL /sd-%Ü cyf{t %),))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu, ;fj{hlgs lgisfzg af6 laqmL ul/g] .

-O{_ C0fkq ;fwf/0f z]o/df kl/jt{g x'g] jf gx'g] M o; ljj/0fkq cg';f/ lgisfzg ul/g] C0fkq & -;ft_ jif{sf] cjlw kZrft Psd'i7 ?kdf lkmtf{ ul/g] ePsfn] pQm C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .

-p_ C0fkqsf] Aofhb/ (Coupon Interest Rate) / Aofh e"QmfgL ug]{ cjlw÷;do (Interest Payment Period) M o; C0fkqsf] jflif{s Aofhb/ !)=@%Ü x'g]5 . o; C0fkqdf cflh{t Aofh /sddf cfos/ P]g cg';f/ s/ nfUg]5 . o; C0fkqdf cflh{t Aofh /sd k|To]s cfly{s jif{sf] k|yd cw{ jflif{s -kf}if d;fGt_ / låtLo cw{jflif{s -ciff9 d;fGt_ ;dfKt eP kZrft e'QmfgL lbOg]5 . Aofh /sd e'QmfgL lbFbf k|yd cw{ jflif{s -kf}if d;fGt_ ;do;Dd o; C0fkqdf cflh{t Aofh /sd x/]s jif{sf] df3 ! ut] b]lv / låtLo cw{ jflif{s -cfiff9 d;fGt_ ;do;Dd o; C0fkqdf cflh{t Aofh /sd pQm jif{sf] >fj0f ! ut] b]lv e'QmfgL ul/g]5 .

-pm_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) ;DaGwL Joj:yfM o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkqnfO{ lgwf{l/t & jif{sf] ;dofjlwdf lkmtf{ e'QmfgL ug{sf nflu sDkgLn] C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) sf] Joj:yf ug]{5 . C0fkqsf] cjlwdf sDkgLsf] gfkmfaf6 C0fkq lgisfzg ePsf] bf];|f] cf=j= af6 ?= $!= & s/f]8 ?k}ofF dfqsf] b/n] x'g] /sd C0fkq e'QmfgL hu]8f sf]ifdf /sdfGt/ ul/g]5 . sDkgLn] s'g} cfly{s jif{df d'gfkmf cfh{g ug{ g;s]sf] v08df ;d]t ;f] jif{df C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves) df /sdfGt/0f ug'{ kg]{ /sd /sdfGt/0f ul/g]5 . olb sDkgLsf] s'g} cfly{s jif{df d'gfkmf gePdf cl3Nnf] jif{x?sf] ;+lrt d'gfkmfaf6 C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption

Reserves) df /sdfGt/0f ug'{ kg]{ /sd /sdfGt/0f ul/g]5 .

-P_ C0fkqjfnfx?sf] clwsf/ M o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq vl/b ug]{ C0fkqjfnfx?nfO{ sDkgL P]g, @) # tyf cGo k|rlnt sfg"g adf]lhd C0fkqjfnfnfO{ k|fKt x'g] ;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 . t/ To:tf C0fkqjfnfx?nfO{ ;fwf/0f ;efdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ x'g] 5}g . sy+sbflrt a}+s 6f6kN6]df o; ljj/0fkqdfkm{t\ lgisflzt C0fkqsf] e'QmfgL lgIf]kstf{x? eGbf k5fl8 dfq x'g]5 .

-v_ ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DaGwL ljj/0fM o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisfzg ul/Psf] c;'/lIft C0f (Unsecured Debt) ePsf] ;fy} a}+ssf] To:tf] s'g} ;'/lIft ;fx' gePsf] / sy+sbflrt a}+s 6f6klN6Pdf cGo ;'/lIft ;fx" / lgIf]kstf{sf] s'n /sd ?=

43

!!@=#$ ca{ -r}q @)&%_ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisfzg ul/Psf] ;xfos C0f (Subordinated Debt) ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs (Specific charge) clwsf/ x'g] 5}g .

-u_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd, 7]ufgf tyf sDkgL / 6«i6LaLr ePsf] ;Demf}tf (Trustee Deed) sf k|d'v a'Fbfx?M C0fkq lgisfzg ubf{ 6«i6L lgo'Qm ug'{ kg]{ Joj:yf cg'?k lgDgfg';f/ C0fkq 6«i6Lsf] Joj:yf ul/Psf] 5 .

-c_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd tyf 7]ufgf M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL k|aGwssf] Ohfhtkqk|fKt lwtf]kq Joj;foL, >L PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f+} /x]sf] 5 .

-cf_ C0fkq 6«i6L eP afkt lng] ;]jf z'Ns M o; ljj/0fkqdfkm{t ;j{;fwf/0fdf tyf JolQmut tj/af6 ljleGg JolQm jf ;+3 ;+:yfx?nfO{ laqmL ul/g] C0fkqsf] 6«i6Lsf] ?kdf lgo'Qm >L PgPdla Soflk6n lnld6]8 sf7df8f+}+nfO{ lghn] pQm ;]jf k|bfg u/] afkt jflif{s ?= @),)))÷– -cIf/]kL la; xhf/ ?k+}ofF dfq_ /sd 6«i6L ;]jf pknAw u/fPsf] ;dofjlwsf nflu ;]jf z'Nssf] ?kdf lbOg]5 .

-O_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] ;Dks{ JolQmsf] gfd tyf kb of]Uotf tyf cg'ej M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] pQm sDkgLsf] dr]{G6 a+}lsË ljefu k|d'v >L :d[lt dxh{gnfO{ ;Dks{ JolQmsf] ?kdf tf]s]sf] 5 . >L :d[lt dxh{gn] Pd=la=P= ;Ddsf] z}lIfs of]Uotf / sl/j * aif{ eGbf a9Lsf] ljQLo If]qsf] sfof{g'ej xfl;n ug'{ePsf] 5 .

-O{_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;dfwfg ug]{ ;DaGwdf u/]sf] Joj:yf M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DalGwt kIfsf] u'gf;f ;'Gg] / ;f] sf] ;dfwfg ug]{ ;DaGwdf tf]lsPsf] ;Dks{ JolQm dfkm{t jf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] sfof{no dfkm{t cfjZos Joj:yf u/]sf] 5 . ;fy}, u'gf;fx? lnlvt ?kdf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf hDdf u/fpg' kg]{5 .

-p_ C0fkq lgisfzg ug]{ a}+s / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr sDkgL P]g, @) # adf]lhd ;D f}tf ePsf] s'/f M C0fkq lgisfzg ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr sDkgL P]g, @)^# df ePsf] Joj:yf cg'?k ;D´f}tf ul/Psf] 5 .

-pm_ C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra' ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{ C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @) # cg'?k ePsf] s'/f M C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'´ ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{ C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @)^# cg'?k ul/Psf] 5 .

-P_ C0fkq 6«i6L / a}+s aLr ePsf] ;D f}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] s'/f M C0fkq 6«i6L / sDkgL aLr ePsf] ;D f}tfsf] k|ltnLkL g]kfn lwtf]kq af]8{df ldlt @)& ÷)!÷@# ut] btf{ ul/Psf] 5 .

-P]_ C0fkq 6«i6L / a}+s aLr ePsf] ;D f}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df ;f] pknAw u/fpg] ;DaGwdf ul/Psf] Joj:yf M C0fkq 6«i6L >L PgPdla Soflk6n lnld6]8, gfukf]v/L / sDkgL aLr ePsf] ;D f}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df C0fkq 6«i6L jf sDkgLsf] /lhi68{ sfof{nodf sfof{no ;do leq ;Dks{ /fvL x]g{ jf hfGg ;lsg] Joj:yf ul/Psf] 5 .

-c+f]_ cGo M C0fkq 6«i6Ln] l8a]Gr/jfnfx?sf] lxt ;+/If0f ug]{ . sDkgLn] C0fkq 6«i6LnfO{ cf gf] ljQLo sf/f]af/sf] kl/is[t cfly{s ljj/0f cfly{s jif{ ;dfKt ePsf] dlxgfleq clgjfo{

?kdf k7fpg' kg]{ . C0fkq 6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL sf]if (Debenture Redemption Reserve) sf] cg'udg ug]{ . sDkgLn] k'g M csf]{ C0fkq lgisfzg ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[lt lng' kg]{5 . ldlt @)& ÷)!÷!& ut] ePsf]

l8a]~r/ 6«i6L lgo'lQm ;DaGwL ;Demf}tfkqdf dfyL pNn]lvt bkmf pNn]v geP klg sDkgL P]g, @) # sf] bkmf # sf] pkbkmf % df ePsf] Joj:yf k"0f{ kfngf ul/ ;f] bkmf cg'?k sfo{ ul/g]5 .

-3_ kl/jt{gzLn C0fkq hf/L ul/g] ePdf C0fkqsf] kl/jt{g cg'kft, d"No, lk|ldod tyf kl/jt{g ldlt, dtflwsf/sf] Joj:yf M ;f] gePsf] .

-ª_ C0fkq hf/L ug'{sf] p2]Zo tyf ;DkGg x'g] sfo{ of]hgf M sDkgLn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{sf nflu cfjZos k"FhL ;+sng ug{ .

a}+ssf] k"/s k"FhLsf]if (Supplementary Capital) j[l4 ug{ . k|aGw–kqdf pNn]v ul/Psf p2]Zo cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{ k"FhL h'6fpg .

44

C0fkqsf] laqmLaf6 k|fKt /sd pkof]u ug{ ul/g] sfo{ M a}+ssf] k"FhLsf]if j[l4sf] nflu pkof]u ul/g] .

-r_ hf/L k"FhL r'Qmf eP÷gePsf] M hf/L k"FhL ;Dk"0f{ r'Qmf ePsf] .

-5_o; eGbf cuf8L hf/L ePsf] C0fkqsf] ljj/0f M ljj/0f Jofh b/ ;+Vof hDdf /sd Hff/L ldlt e'QmfgL ldlt C0fkq e'QmfgL sf]if

* Ü P;= la= Pn l8a]Gr/ @)& * Ü #,)#,%@) #),#%,@),)))÷– @)&)÷)@÷) @)&&÷)@÷)% @@,#%,&!,@**÷– &=% Ü P;= la=Pn l8a]Gr/ @)&* &=% Ü %,)),))) %),)),)),)))÷– @)&!÷!)÷)( @)&*÷!)÷)* @$,*%,#@,@()÷– !)=%) Ü P;= la=Pn l8a]Gr/ @)*@ !)=% Ü @!, @,%%( @,! ,@%,%(,)))÷– @)&%÷)(÷@( @)*@÷)(÷@* lgisfzg k|s[ofdf /x]sf]

-h_g]kfn /fi6« a}+sn] l8a]Gr/ hf/L ug{sf nflu lbPsf] zt{x? g]kfn /fi6« a+}sn] l8a]Gr/ hf/L ug{sf nflu lbPsf zt{x? lgDgfg';f/ /x]sf 5g\ . !_ s'g} klg ;'/If0f g/fvL æP;laPn l8a]Gr/ @)*#Æ lgisfzg ug{'kg]{ . @_ l8a]Gr/sf] cjlw & -;ft_ jif{sf] x'g] . #_ k|:tfljt l8a]Gr/df k|bfg ul/g] Aofh cw{ jflif{s ?kn] ÷ dlxgfdf e'QmfgL ug{'kg]{, k|:tfj u/] adf]lhd l8a]Gr/sf] jflif{s Aofhb/

!)=@% k|ltzt x'g'kg]{ / cflh{t Aofh /sddf k|rlnt P]g adf]lhd s/ s§f ug]{ Joj:yf ug{'kg]{ . $_ a+}s lj36g ePsf] cj:yfdf æP;laPn l8a]Gr/ @)*#Æ sf] e'QmfgL lgIf]kstf{ eGbf kl5 dfq x'g] . %_ g]kfn lwtf]kq af]8{sf] :jLs[lt lnO{ æP;laPn l8a]Gr/ @)*#Æ hf/L ePsf] ldltn] a9Ldf dlxgf leqdf g]kfn :6s PS;r]~h

lnld6]8df ;"rLs[t ug'{kg]{ . _ l;4fy{ a+}s lnld6]8 afx]s cGo a+}s tyf ljQLo ;+:yfaf6 pQm l8a]Gr/ lwtf] /fvL C0f lng ;lsg] Joj:yf ug{' kg]{ . &_ æP;laPn l8a]Gr/ @)*#Æ lgisfzg ug{' cl3 ljj/0fkq o; a+}sdf btf{ u/L k|sfzg ug{'kg]{ . *_ æP;laPn l8a]Gr/ @)*#Æ sf] /sd e'QmfgL ug]{ k|of]hgsf] nflu Redemption Reserve sf] Joj:yf ug{ a}+ssf] jflif{s d'gfkmfaf6

C0fkq lgisfzg ePsf] bf]>f] jif{b]lv k|To]s jif{ a/fa/ ?kdf (Proportionate Period Basis) gfkmf÷gf]S;fg lx;faaf6 /sd 5'§ofO{ & jif{ leq s'n ?= b'O{ ca{ krf; s/f]8 a/fa/sf] /sd pQm sf]ifdf hDdf x'g] Joj:yf ug'{kg]{ . ;fy}, gfkmf gePsf] cj:yfdf d'gfkmfaf6 5'§ofpg' kg]{ /sd s'g sf]ifaf6 Joj:yf ug]{ xf] ;f] :ki6 ?kdf ljj/0fkqdf pNn]v x'g'kg]{ .

(_ Private Placement sf] cfwf/df laqmL ul/g] l8a]Gr/sf] ;DaGwdf s'g} ;+3÷;+:yf;Fu clu|d s'g} ;Demf}tf ePsf] eP ;f] ;Demf}tfsf] k|dfl0ft k|ltlnlk o; a+}sdf k]z ug{'kg]{ .

!)_ olb s'g} kIfn] ;f] kIfnfO{ 5'6\ofPsf] C0fkq vl/b gu/]df ;f] C0fkq csf]{ kIfnfO{ vl/b ug]{ Joj:yf ug{'kg]{ . !!_ l8a]Gr/ lgisfzg ;DaGwdf cGo k|rlnt sfg"g tyf o; a}+saf6 hf/L ul/Psf] lgb]{zgdf pNn]v ePsf cGo Joj:yfsf] ;d]t kfngf

ug'{kg]{ .

-em_ cGo M C0fkqsf] Aofh e'QmfgL ug]{ :yfgM o; C0fkq wf/0f ug]{ C0fkqwgLn] lghn] wf/0f u/]sf] C0fkqdf cflh{t Aofh /sd lghsf] l8Dof6 vftfdf pNn]v eP adf]lhdsf] a}+s vftfdf l;w} /sdfGt/ ul/g]5 .

a}+ssf] o; ljj/0fkq dfkm{t C0fkq lgisfzg k"j{ / lgisfzg u/L afF8kmfF8 u/] kZrftsf] C0f / k"FhLsf] cg'kft lgDgfg';f/ /x]sf]÷/xg] 5 M

C0fkq lgisfg k"j{sf] C0f k"FhL cg'kft C0fkq lgisfzg u/L afF8kmfF6 u/] kZrft C0f k"FhL cg'kft @#=@& Ü #&=&( Ü

@!= cu|flwsf/ z]o/ lgisfzg ;DaGwL ljj/0f M ;f] gePsf] .

@@= cGo ;fdfGo hfgsf/L M -s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0fM ;f] gePsf] .

-v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0fM qm=;+ Gffd s}lkmot cf=j

! >L x]dGt 1jfnL a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)&# n] a}+s tyf ljlQo ;+:yfx?sf] ;+rfns ;ldltsf] ;+Vof 36fPsfn] .

@)&$÷&%

@ >L dx]z k|;fb kf]v/]n a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)&# n] a}+s tyf ljlQo ;+:yfx?sf] ;+rfns ;ldltsf] ;+Vof 36fPsfn] .

@)&$÷&%

# >L /tgnfn s]l8of JolQmut sf/0f ePsf]n] . @)&#÷&$

$ >L lbg]z z+s/ kflnv] a}+ssf] ;+rfns ;ldltdf k|ltlglwTj ug]{ l/Go'cn OGe]i6d]06 sDkgL k|f=lnsf k|ltlglw >L x]dGt 1jfnLsf] ;6\6fdf pQm sDkgLaf6 k|ltlglwTj ug]{ u/L ;+rfns lgo'Qm ug'{ kg]{ ePsfn] .

@)&$÷&%

% >L eut lji6 lghsf] ldlt @)&$÷)%÷!! ut] d[To' ePsf]n] . @)&%÷& >LdtL h];dLg xf8f ah|frfo{ JolQmut sf/0f ePsf]n] . @)&%÷&

45

n]vfk/LIfsdf ePsf] kl/jt{gM– sDkgL Gffd s}lkmot cfly{s jif{

>L P;= P=cf/ P;f]l;P6;\, rf6{8{ Psfp06]G6;\

>L ;'lg/ s'df/ 9+'Ë]n >L l6= cf/= pkfWofo P08 sDkgL rf6{8{ PsfpG6]G6;\n] a}+sdf nuftf/ # jif{ ;Dd n]vfk/LIf0f ul/;Sg' ePsf]n] .

@)&$÷@)&%

-u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M gfd M nId0f l3ld/] 7]ufgf Ma'6jn, ?kGb]xL–)* of]Uotf M rf6{8{ Psfp06]G6

-3_ ;fj{hlgs lgisfzg ug{sf nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M o; a}+ssf] ldlt @)& ÷)!÷)* ut] a;]sf] #!#cf}+ ;+rfns ;ldltsf] a}7ssf] lg0f{o cg';f/ ;ft jif{ cjlw tyf jflif{s !)=@% k|ltzt Aofhb/ ePsf] k|lt l8a]Gr/ ?= !,)))÷– c+lst d"Nosf @% nfv lsQf l8a]Gr/x? dWo] ^) Ü JolQmut tj/af6 / $) Ü ;j{;fwf/0fnfO{ ;fj{hlgs tj/af6 lgisfzg tyf laqmL ug]{ ;j{;Ddltaf6 lg0f{o ul/of] .

-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M ;f] gePsf] .

-r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa / gub k|jfx ljj/0f k|fKt ug{ jf x]g{ ;Sg] 7fpF / ;do M sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg lx;fa tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg] 5 .

sDkgLsf]] s]lGb|o sfof{no– xfQL;f/, sf7df8f}+ . lwtf]kq lgisfzg tyf laqmL k|aGws– >L PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f}+ g]kfn l:yt sfof{no .

-5_ af]g; z]o/ ;DaGwL Joj:yfM k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt af]g; z]o/ lgisfzg ;DaGwL Joj:yf cg';f/ af]g; z]o/ hf/L ug{ ;Sg]5 .

-h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu C0fkq ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M o; ljj/0fkqåf/f ;fj{hlgs lgisfzg ul/Psf] k|lt C0fkq ?= !,)))÷– clÍt d"No (ParValue) sf s'n !) nfv lsQf C0fkq ;+Vofsf] %Ü cyf{t %) xhf/ lsQf C0fkqx? ;fd"lxs nufgL sf]ifsf] lgDtL 5'6\ofP/ ;'/lIft /flvPsf] 5 . o;/L 5'6\ofOPsf] C0fkq ;fd"lxs nufgL sf]if lgodfjnL, @) & jdf]lhd afF8kmfF8 ul/g]5 .

-em_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cf gf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f M a}+sn]] sDkgL P]g, @) # n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{ ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] a}+ssf] pb\3f]if0f /x]sf] 5 . a+}ssf] s'g} klg ;+rfnsx? sfnf];'rLdf g/x]sf] ;fy} of]Uo /x]sf] a}+ssf] pb\3f]if0f /x]sf] 5 . ;fy}, o; a}+sn] sDkgL P]g, @) # adf]lhd k]z ug'{ kg]{ cf=j= @)&$÷&% ;Ddsf ljj/0fx? k]z u/]sf] x'gfn] ;f] cfly{s jif{;Dd o; sDkgL cBfjlws /x]sf] 5 .

-em_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M o; ljj/0fkq dfkm{tlgisfzg ul/g] ?= !,)))÷– c+lst d"Nosf @% nfv lsQfn] x'g cfpg] ?= @ ca{ %) s/f]8 a/fa/sf] C0fkq dWo] ^) k|ltzt cyf{t !% nfv lsQfsf] s'n ?= ! ca{ %) s/f]8 C0fk"FhL a/fa/sf] /sd kl/kq ljlwaf6 (Private Placement)

af6 laqmL ul/g] tyf $) k|ltzt cyf{t !) nfv lsQfsf] s'n ?= ! ca{ C0fk"FhL a/fa/sf] /sd -%Ü cyf{t %),))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu laqmL ljt/0fsf nflu g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt l;–cf:af (C-ASBA) ;b:o /x]sf] ;Dk"0f{ a+}s tyf ljQLo ;+:yfx? dfkm{t cfj]bg lbg ;Sg]5g\ .

l8a]Gr/ ;"rLs/0f ;DaGwL Joj:yf o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq lwtf]kq lgisfzg lgb]{lzsfn] lgwf{l/t u/]sf] ;doleq C0fkqsf] afF8kmfF8 u/L afF8kmfF8 ePsf] ;"rgf /fli6«o :t/sf] b}lgs klqsfdf ;"rgf k|sflzt ul/g]5 . ;fy} g]kfn :6s PS;r]Gh lnld6]8df ;"rLs/0f eP kZrft l;l8P; P08 lsnol/Ë lnld6]8df btf{ u/L afF8kmfF8 ePsf] C0fkq cef}ltlss/0f u/L ljB'tLo ?kdf z]o/wgLsf] l8Dof6 vftfdf hDdf u/L vl/b laqmLsf] Joj:yf ldnfOg]5 .

-~f_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M o; ljj/0fkq tof/ kfg]{ Joj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws– >L PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f+}df /x]s]f 5 .

-6_ ;sf/fTds kIfx? M nfdf] ;dob]lv a}+lsË Joj;fodf u'0f:tl/o ;]jf k|bfg ub}{ cfO{/x]sf] . plrt lgIf]k kl/rfng gLlt cjnDag ub}{ shf{ tyf nufgLsf] u'0f:t/sf] :t/nfO{ k|fyldstf lbOPsf] .

46

k"j{ ;t{stfx? ckgfO{ ;DefJo hf]lvdnfO{ dWogh/ ul/ Joj;fo lj:tf/ ul/Psf] . a}+ssf] IfdtfnfO{ yk ;'b[9Ls/0f ug{ bIf tyf cg'ejL sd{rf/LnfO{ kl/rfng Pj+ plrt Joj:yfkg ul/Psf] . bIf tyf cg'ejL JolQmx?sf] nufgLdf :yfkgf tyf ;+rfng ul/Psf] sDkgL . :yfkgfsfn b]lv g} k"0f{ sDKo'6/s[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO{/x]sf] . b'|t ultdf Joj;fo lj:tf/ ug{ ;kmn /x]sf] .

-7_ lwtf]kq laqmL v'Nnf cjlw M o; ljj/0fkqåf/f lgisfzg ul/Psf] C0fkqsf] nflu cfj]bg lbg] cjlw #) -tL;_ lbgsf] x'g]5 . cfjZostf eGbf a9L C0fkqsf] nflu cfj]bg kg{ cfPdf s'g} klg avt C0fkqsf] laqmL aGb ug{ ;lsg]5 t/ ljj/0f kqdf ul/Psf] Joj:yf cg';f/ $ -rf/_ sfo{ lbgeGbf cufl8 C0fkq vl/bsf] cfj]bg lng] sfd aGb ul/g] 5}g . JolQmut tj/÷kl/kq ljlw (Private Placement) af6 laqmL ul/g] C0fkqsf] xsdf lwtf]kq af]8{af6 :jLs[lt kZrft v'Nnf x'g]5 / ;fj{hlgs lgisfzg ;+u} aGb x'g]5 .

-8_ lwtf]kqsf] qm]l86 /]l6Ë M o; a+}sn] hf/L ug{ nfu]sf] C0fkqnfO{ O{qmf g]kfn lnld6]8n] Go'g shf{ hflvd (Low Credit Risk) hgfpg] æ[ICRANP] LA-Æ

(Pronounced as ICRA L A Minus) /]l6Ë ldlt @)& ÷)@÷!& df k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ug]{ Instrument nfO{ ;dodfg ljQLo bfloTj k'/f ug]{ ;DaGwdf oy]i6 ?kdf ;'/lIft dflgG5 . hf]lvdsf] b[i6Ldf o:tf pks/0fx? Go'g shf{ hf]lvd ePsf dflgG5 . ;fy}, o; a}+snfO{ O{qmf g]kfn lnld6]8n] cf};t shf{ hf]lvd (Average Credit Risk) hgfpg]] “ [ICRANP-IR] A-

(Pronounced as ICRA NP Issuer Rating A Minus) /]l6Ë ldlt @)& ÷)@÷!& ut] k|bfg u/]sf] 5 .

@#= ;+rfns tyf lj1x?sf] gfd tyf b:tvt M o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f] df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{ ?kdf lhDd]jf/ x'g]5f}+ egL ;xL 5fk ug]{ sDkgLsf] ;~rfnsx?sf] gfd tyf b:tvt M

qm=;+= gfd kb b:tvt

!= >L dgf]h s'df/ s]l8of cWoIf

@= >L g/]Gb| s'df/ cu|jfn ;~rfns

#= >L lj/]Gb| s'df/ zfx ;~rfns

$= >L lbg]z z+s/ kflnv] ;~rfns

%= >L /fh]z s'df/ s]l8of ;~rfns

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@$=lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|lta4tf kq -8\o' 8]lnh]G;\\ ;l6{lkms]6_ sf] k|ltM

48

@%= ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kqM

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l;4fy{ a}+s lnld6]8 siddhartha bank limited kmf]g g+ · sdkgl p]g, @)^# cgtu{t ;+:yflkt / ;+rflnt...

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