fOh a }+s lnld6 ]8sf ] - Sunrise Bank · rf}yf ] jflif {s k |ltj ]bg –

rf}yf] jflif{s k|ltj]bg – 1

;g\/fOh a}+s lnld6]8sf]

rf}yf] jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

ldlt @)^* d+l;/ @# ut] -( l8;]Dj/, @)!!_ a;]sf] o; a}+ssf] ;+rfns ;ldltsf] ($ cf}+ j}7ssf] lg0f{ofg';f/ a}+ssf] rf}yf] jflif{s ;fwf/0f ;ef lgDg ldlt, ;do / :yfgdf lgDg ljifox?df 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu xflb{s cg'/f]w ub{5' .

;ef a:g] ldlt, ;do / :yfg M

ldlt M @)^* kf}if @( ut] z'qmjf/ -tbg';f/ !# hgj/L, @)!@_

;do M ck/fGx #M)) ah] .

:yfg M cd[tef]u, sflnsf:yfg, l8NnLahf/, sf7df08f} .

5nkmnsf ljifox? M

s= ;fdfGo k|:tfjx? M

!= cWoIfHo"sf] dGtJo tyf cfly{s jif{ @)^&÷^* sf] ;+rfns ;ldltsf] k|ltj]bg 5nkmn ul/ kfl/t ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxtsf] @)^* cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt cf=a= @)^&÷^* sf] gfkmf–gf]S;fg lx;fj / ;f]xL cjlwsf] gub k|jfx ljj/0f tyf ;DalGwt cg';"lrx? 5nkmn u/L kf/Lt ug]{ .

#= ;+:yfks z]o/wgL ;d"x -s_ sf] pk;d"x -!_ cGtu{t l/Qm ;~rfns kbdf lgo'Qm x'g' ePsf ;~rfns >L dfnrGb b'u8sf] lgo'QmL afFsL sfo{sfn ;Ddsf nflu cg'df]bg ug]{ .

$= cfly{s jif{ @)^*÷^( sf nflu n]vfk/LIfs lgo'Qm ug]{ / lghsf] kfl/>lds tf]Sg] . -jt{dfg n]vfk/LIfs Pd=vgfn P08 s+= k'gM lgo'Qm x'g of]Uo /x]sf] ._

%= ;~rfns ;ldltn] k|:tfj u/] adf]lhd ?= *,)^,)),)))÷– cyf{t\ r'Qmf k"FhLsf] $ k|ltztsf b/n] gub nfef+z ljt/0f ug{ :jLs[t ug]{ .

v= ljz]if k|:tfjx? M

!= a}+sn] cGo :jb]zL jf ljb]zL a}+s tyf ljlQo ;+:yfnfO{÷;+u dh{ ug]{÷u/fpg] jf ;+o'Qm nufgL -HjfO{G6 e]~r/_ df hfg] ;DaGwdf ;~rfns ;ldltnfO{ ;Dk"0f{ clwsf/ k|bfg ug]{ .

u= ljljw M

;+rfns ;ldltsf] cf1fn],

l6sf e§/fO{

sDkgL ;lrj


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

!= ;Dk'0f{ z]o/wgL dxfg'efjx?nfO{ z]o/wgL nutdf sfod /x]sf] ;DalGwt 7]ufgfdf ;fwf/0f;efsf] ;"rgf / a}+ssf] cfly{s ljj/0f ;lxtsf] jflif{s k|ltj]bg k7fpg] Aoj:yf ul/Psf] 5 . 7]ufgf k"/f gePsf tyf pQm sfuh k|fKt gug'{ ePsf z]o/wgL dxfg'efjx?n] jflif{s cfly{s ljj/0f, ;~rfns ;ldltsf] k|ltj]bg / n]vfk/LIfssf] k|ltj]bg ;lxtsf] jflif{s k|ltj]bg k|fKt ug{ o; a}+ssf] s'g} klg zfvf sfof{nox?df ;Dks{ ug{ ;Sg'x'g]5 . ;fy}, ;f] ;DaGwL hfgsf/L o; a}+ssf] website: www.sunrisebank.com.np df pknAw u/fOPsf] 5 .

@= ;efdf efu lng OR5's z]o/wgL dxfg'efjx?nfO{ ;ef x'g] lbg z]o/ k|df0fkqdf plNnlvt kl/ro gDa/ ;lxt a}+såf/f hf/L ul/Psf] k|j]zkq ;fydf lnO{ cfpg x'g cg'/f]w 5 . k|j]zkq k|fKt gug'{ ePsf z]o/wgLn] cfkm\gf] s'g} Ps ;Ssn z]o/ k|df0fkq / kl/ro v'Ng] s'g} k|df0f -h:t} gful/stf k|df0fkq jf cGo s"g} kmf]6f] ;lxtsf] kl/rokq_ ;fydf lnO{ cfpg' x'g cg'/f]w 5 . ;efdf efu lng k|To]s z]o/wgL dxfg'efjn] ;ef x'g] :yfgdf pkl:yt eO{ ;ef:yndf /x]sf] xflh/L k'l:tsfdf b:tvt ug'{ kg]{ 5 . xflh/L k'l:tsf ck/fGx !M#) ah]b]lv v'Nnf /xg] 5 .

#= ;efdf efu lngsf nflu k|ltlgwL -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjn] a}+ssf] csf]{ z]o/wgLnfO{ dfq k|ltlglw lgo'Qm ug{ ;Sg'x'g]5 / ;f] ;DalGwt k|ltlglw kq ;ef z'? x'g' eGbf $* 306f cufj} a}+ssf] z]o/ /lhi6«f/ >L l;len Soflk6n dfs]{6 lnld6]8, sf7df8f}+ Knfhf, sdnfbL, sf7df8f}+df btf{ u/fO{ ;Sg' kg]{5 .

$= gfjfns jf ljlIfKt z]o/wgLsf] tkm{af6 a}+ssf] z]o/ nut lstfjdf ;+/Ifssf] ?kdf gfd btf{ ePsf] AolQmn] ;efdf efu lng jf k|ltlgwL tf]Sg kfpg] 5g\ .

%= ;+o'Qm ?kdf z]o/ vl/b ul/Psf] cj:yfdf nut lstfjdf klxn] gfd pNn]v ePsf] AolQm cyjf ;j{;Ddtaf6 k|ltlgwL lgo'Qm ul/Psf] Ps JolQmn] dfq ;efdf efu lng / dtbfg ug{ kfpg]5g\ .

^= ;efdf efu lngsf nflu k|ltlgwL lgo'Qm ul/;s]kl5 ;DaGwLt z]o/wgL cfkm}n] efu lng jf k|ltlgwL km]/jbn ug{ rfx]df ;ef z'? x'g' eGbf #^ 306f cufj} ;f]sf] ;"rgf a}+ssf] z]o/ /lhi6«f/ >L l;len Soflk6n dfs]{6 ln= df btf{ ul/;Sg' kg]{5 . cGoyf k|ltlgwL km]/jbn x'g ;Sg] 5}g . t/, ;efdf ;DalGwt z]o/wgL :jo+ pkl:yt x'g cfPdf z]o/wgLn] ul/lbPsf] clVtof/gfdf :jtM jb/ x'g]5 .

&= s'g} z]o/wgLn] PseGbf a9L z]o/wgLnfO{ k|ltlgwL lgo'Qm u/]sf] /x]5 eg] jb/ u/]sf] cj:yfdf jfx]s To:tf k|ltlgwLkq :jtM vf/]h x'g]5 .

*= 5nkmnsf] ljifo dWo] ljljw lzif{s cGt/ut s]xL lh1f;f eP OR5's z]o/wgLx?n] ;ef x'g'eGbf & lbg cufj} ;f] ljifo sDkgL ;lrjdfkm{t ;~rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg' x'g cg'/f]w 5 .

(= a}+ssf] z]o/ bfv]n vf/]hsf] sfd ldlt @)^* kf}if % ut] b]lv @)^* kf}if @( ut] ;Dd aGb /xg] 5 . g]kfn :6s PS:r]~h lnld6]8df @)^* kf}if $ ut];Dd sf/f]af/ eO{ @)^* kf}if !# ut] leq o; a}+ssf z]o/ /lhi6«f/ >L l;len Soflk6n dfs]{6 lnld6]8df k|fKt z]o/ gfd;f/Lsf] lnvtsf] cfwf/df z]o/wgL btf{ lstfjdf sfod z]o/wgLx?n] ;f] ;efdf efu lng tyf gub nfef+z kfpg] 5g\ .

!) cGo hfgsf/Lsf nflu a}+ssf] z]o/ /lhi6«f/ >L l;len Soflk6n dfs]{6 lnld6]8 tyf a}+ssf] k|wfg sfof{no, u}lx|wf/f, sf7df8f}+df ;Dks{ /fVg' x'g cg'/f]w 5 .


k|j]z–kq

z]o/wgLsf] gfdM =================================================== z]o/ k|df0fkqdf pNn]lvt kl/ro g+= ================ z]o/ ;+Vof ===================== -ldlt @)^* kf}if @( ut] z'qmjf/sf lbg x'g] ;g\/fOh a}+s lnld6]8sf] rf}yf] jflif{s ;fwf/0f;efdf pkl:yt x'g hf/L ul/Psf] k|j]zkq_

===========================

z]o/wgLsf] b:tvt

b|i6AoM

!_ z]o/wgL cfkm}n] vfnL sf]i7x? eg'{ xf]nf .

@_ ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug'{ clgjfo{ 5 . ============================

cflwsfl/s b:tvt

k|f]S;L kmf/fd

>L ;~rfns ;ldlt,;g\/fOh a}+s lnld6]8,u}x|Lwf/f, sf7df8f}+ .

ljifo M k|ltlgwL lgo'Qm u/]sf] af/] .dxfzo,====================== lhNnf =========================== g=kf=÷uf=lj=;=, j8f g+= ========= a:g] d÷xfdL =================================== n] To; a}+ssf] z]o/wgLsf] x}l;otn] ldlt @)^* kf}if @( ut]sf lbg x'g] rf}yf] jflif{s ;fwf/0f ;efdf d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu ====================== lhNnf =========================== g=kf=÷uf=lj=;=, j8f g+= ======= a:g] To; a}+ssf z]o/wgL >L ================================================= nfO{ d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷ 5f}+ .

k|f]S;L lng]n] eg]{ k|f]S;L lbg]n] eg]{k|ltlglw lgo'Qm ePsf] JolQmsf] M lgj]bs Mx:tfIf/sf] gd'gf M b:tvt Mgfd M gfd Mkl/ro g+= M 7]ufgf M z]o/ k|df0fkq g+= M kl/ro g+= Mz]o/ ;+Vof M z]o/ k|df0fkq g+= M ldlt M z]o/ ;+Vof M ldlt M



;~rfns ;ldltsf] k|ltj]bg

cfly{s jif{ @)^&÷)^*

cfb/0fLo z]o/wgL dxfg'efjx?

;g\/fOh a}+s lnld6]8sf] rf}yf] jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ ;~rfns ;ldltsf] tkm{af6 xflb{s :jfut clejfbg ub{5' . cfly{s jif{{ @)^&÷)^* df a}+sn] u/]sf] k|ult / pknAwL, ;+rfngdf b]lvPsf r'gf}ltx? / ;du| a}lsË If]qsf] k'g/fjnf]sg ;lxt cfkm\gf] k|ltj]bg, o; cf=a= sf] jf;nft, gfkmf gf]S;fg lx;fa / gub k|jfx ljj/0fx? ;efsf] :jLs[tLsf nflu k|:t't ub{5' . of] k|ltj]bg sDkgL P]g @)^#, a}+s tyf ljlQo ;+:yf ;DaGwL P]g @)^# / g]kfn /fi6« a}+s4f/f ;do ;dodf hf/L ePsf lgb]{zgx?sf] clwgdf /xL tof/ ul/Psf] xf] .

b]zsf] cfly{s cj:yf

d'n'ssf] ;du| cfly{s l:ylt tyf cl:y/ /fhg}lts cj:yfsf sf/0fn] k|f/lDes cg'dfgdf ;'rfÍx?df lu/fj6sf] ck]Iff ul/Psf] 5 . g]kfn ;/sf/, s]G›Lo tYofÍ ljefusf] k|f/lDes cg'dfg cg';f/ ;dLIff cjlwdf b]zsf] s"n u|fx:y{ pTkfbg j[l4b/ cfwf/e't d"Nodf cl3Nnf] cfly{s jif{sf] #=(& k|ltztsf] t'ngfdf #=$& k|ltzt / pTkfbssf] d"Nodf cl3Nnf] cfly{s jif{sf] $=%% k|ltztsf] t'ngfdf ;dLIff cjlwdf #=$* k|ltzt /x]sf] 5 . ;dLIff jif{{df jflif{s cf}ift pkef]Qmf d'›f:kmLlt cl3Nnf] cfly{s jif{{ ;/x (=^ k|ltzt /x]sf] 5 . To;}u/L ;dLIff cjwLdf jflif{s cf}ift /fli6«o yf]s d'No ;'rsfÍ (=( k|ltztn] j[l4 ePsf] 5 . cl3Nnf] cfly{s jif{{ j[l4b/ !@=^ k|ltzt /x]sf] lyof] . ;dLIff jif{{df lgof{t Jofkf/df ;'wf/ ePsf] / cfoftsf] j[l4 b/df lgs} sld cfPsf] sf/0f Jofkf/ 3f6fsf] j[l4b/df pNn]Vo sld cfPsf] 5 . cl3Nnf] jif{ !)=@ k|ltztn] 36]sf] lgof{t ;dLIff jif{{df ^=! k|ltztn] j[l4 eO{ ?= ^$ cj{ %^ s/f]8 /xg uPsf] 5 . cl3Nnf] jif{{ s"n j:t' cfoft #!=^ k|ltztn] j[l4 eO{ ?= # vj{ &$ cj{ #$ s/f]8 k'u]sf]df ;dLIff jif{{df %=% k|ltztn] j[l4 eO{ ?= # vj{ ($ cj{ () s/f]8 k'u]sf] 5 . ;dLIff jif{{sf] cGTodf cfP/ zf]wgfGt/ l:ylt ?= @ cj{ (# s/f]8n] artdf /x]sf] 5 . cl3Nnf] jif{{ ? # cj{ ^# s/f]8 zf]wgfGt/ 3f6fdf /x]sf] /x]sf] lyof] . cfly{s jif{ @)^&÷^* df gub k|jfxdf cfwfl/t ah]6 3f6f cl3Nnf] jif{sf] t'ngfdf @$=# k|ltztn] j9L ¿= %) ca{ ^# s/f]8 k'u]sf] 5 . cfly{s jif{ @)^^÷^& df o:tf] ah]6 3f6f ¿= $) ca{ &# s/f]8 /x]sf] lyof] .

cfly{s jif{ @)^&÷^* df g]kfn ;/sf/sf] /fh:j !!=^ k|ltztn] j[l4 eO{ @)^* c;f/ d;fGt;Dddf ¿= @)) ca{ &( s/f]8 k'u]sf] 5 . pQm /fh:j ah]6sf] jflif{s nIo ¿= @!^ cj{ ^$ s/f]8sf] (@=& k|ltzt xf] . cl3Nnf] jif{ g]kfn ;/sf/sf] /fh:j @%=$ k|ltztn] j[l4 eO{ ¿= !&( ca{ (% s/f]8 k'u]sf] lyof] . ;dLIff jif{df /fh:j÷s"n ufx{:Yo pTkfbg cg'kft !$=( k|ltzt k'u]sf] 5 . cfly{s jif{ @)^&÷^* df gub k|jfxdf cfwfl/t s"n ;/sf/L vr{ !)=& k|ltztn] j[l4 eO{ @)^* c;f/ d;fGt;Dddf ¿= @&& ca{ ^* s/f]8 k'u]sf] 5 . cl3Nnf] jif{ ;/sf/L vr{ @!=# k|ltztn] a9L ¿= @%) cj{ *@ s/f]8 k'u]sf] lyof] . rfn" tyf k"FhLut b'j} vr{sf] j[l4b/df sdL cfPsf] sf/0fn] ;dLIff jif{df s"n ;/sf/L vr{sf] j[l4b/df sdL cfPsf] xf] .

ljlQo If]qsf] cj:yf

cfly{s jif{ @)^&÷^* df jfl0fHo a}+sx¿n]] lgIf]ksf] ?kdf kl/rfng u/]sf] ;fwg / shf{ k|jfxaLr c;Gt'ng oyfjt /x]sf] 5 . ;dLIff jif{df afl0fHo a}+sx?sf] lgIf]k ¿= %( cj{ ^@ s/f]8n] a9]sf] 5 eg] shf{ tyf nufgL ¿= &( cj{ *) s/f]8n] a9]sf] 5 . a}+sx?sf] k"FhL a9]sf]n] klg shf{sf] j[l4 pRr b]lvPsf] xf] . cl3NNff] jif{{ lgIf]k kl/rfng ¿= ^( cj{ (# s/f]8n] / shf{ tyf nufgL ¿= &^ cj{ &! s/f]8n] a9]sf] lyof] . ;dLIff jif{df lghL If]q tkm{sf] shf{ ¿= %& cj{ ($ s/f]8n] j[l4 ePsf] 5 . cl3Nnf] jif{ o:tf] shf{ ¿= ^% cj{ ^! s/f]8n] j9]sf] lyof] .

cfly{s jif{ @)^&÷^* df cl3Nnf] jif{sf] t'ngfdf cNksfnLg Jofhb/x?df s]xL j[l4 ePsf] 5 . pbfx/0fsf] nflu (!–lbg] 6«]h/L ljnsf] efl/t cf};t Jofhb/ cl3Nnf] jif{ ^=% k|ltzt /x]sf]df cfly{s jif{ @)^&÷^* df &=$! k|ltzt /Xof] .

cfly{s jif{ @)^&÷^* df g]kfnsf] ljQLo k|0ffnLdf $ jfl0fHo a}+s, * ljsf; a}+s / # n3'ljQ sf/f]jf/ ug]{ ljsf; a}+s


u/L hDdf !% j6f a}+s tyf ljQLo ;+:yfx? yk ePsf 5g\ . ;dLIff jif{df n3'ljQsf] sf/f]jf/ ug{ :jLs[t k|fKt u}/–;/sf/L ;+:yfx?dWo]] & j6f u}/–;/sf/L ;+:yfx? 36]sf 5g\ . @)^* c;f/ d;fGtdf g]kfn /fi6« a}+sjf6 O{hfhtkq k|fKt ljQLo ;+:yfx?sf] s"n ;+Vof @&@ sfod /x]sf] 5 .

cfly{s ljsf; Pj a}lsË If]qsf] r'gf}lt

ljut s]xL ;dob]lv b]zdf e}/x]sf] /fhg}lts cl:y/tfsf sf/0fn] s'g} gLltn] 7f]; ?k lng g;ls/x]sf], cf}Bf]lus jftfj/0fdf x|f; cfPsf], nufot ;/sf/L tj/df k"FhLut ah]6 vr{df b]vf k/]sf] lzlyntfsf] sf/0f b]zsf] cy{tGqn] s'g} ;sf/fTds ult lng g;ls/x]sf] ljlbt} 5 . o; ;dodf /fhZj kl/rfngdf ;'wf/ b]lvPtf klg ;f] sf] d"n sf/s tTj cfoftdf ePsf] j[l4 g} /x]sf] tyf cfGtl/s pTkfbgsf] of]ubfg vf;} g/x]sf]n] yk rf;f]sf] ljifo ag]sf] 5 . To:t} cfGtl/s pTkfbgd'ns ultlalwdf clej[l4 x'g g;s]sf]n] /f]huf/Ldf klg k|lts"n c;/ kl/ o'jfx? lab]lzg] qmd g/f]lsg' tyf b]zd} pknAw hgzlQm aLr klg Jofks c;Gt'li6 /lx cfPsf] :ki6} 5 . ;di6Ldf b]zsf] cy{tGqn] nufgL d}qL jftfj/0fnfO{ ;fy lbg ;ls/x]sf] 5}g\ / /fhg}lts ;+qmd0fsfnsf] gfddf of] l:ylt jiff}{+b]lv nlDa/x]sf] 5 . /fhg}lts ;+qmd0fs} sf/0f zx/L If]qdf a;fO{ ;/fO{ a9]sf] Pj+ ljk|]if0f cfDbfgLn] pkef]udf NofPsf] kl/jt{gsf] sf/0f cfoft sf/f]af/ tyf v'›f Joj;fodf Jofks j[l4 x'b} cfPsf] 5 . o; k[i7e"lddf a}+sn] cfkm\gf] sf/f]af/nfO{ cuf8L a9fpg' kg]{ afWotf 5 .

a}ssf] ;du| cj:yf

cfly{s jif{{ @)^&÷)^* sf] ;dLIff ubf{ a}+ssf] k|ult ;du|df lgDg cg';f/ /x]sf] 5 .

?= xhf/df

zLif{s cfiff9 d;fGt @)^* cfiff9 d;fGt @)^&

z]o/ k'FhL @,)!,%),)) !,%!,)#,%)

s"n lgIf]k !#,#(,!&,!$ !$,&^,&),#)

s"n shf{ !@,$#,$#,*# !@,@@,%@,!$

s"n ;Dklt !%,*%,)$,%* !^,(!,*(,#&

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

;+rfng d'gfkmf -;+efljt gf]S;fgL Joj:yf cl3sf]_ $$,^*,*& #(,#(,($

v'b gfkmf $,$@,#( @),$#,%!

s"n u|fxs ;+Vof -c+sdf_ !,*%,))) !!$,$!@

a}sn] o; cfly{s jif{{df ;+rfng d'gfkmf ?= $$ s/f]8 ^( nfv cfh{g ug{ ;kmn ePsf] 5, h'g ut cfly{s jif{{sf] ;f]xL cjlwsf] t'ngfdf !#=$@ k|ltztn] j[l4 ePsf] 5 . ;+rfng d'gfkmfdf j[l4 ePtf klg g]kfn /fi6« a}+ssf] lgb]{zg, k|'8]lG;ofln6L tyf shf{df lglxt hf]lvdnfO{ dWogh/ /fVb} shf{ hf]lvd Joj:yfdf ?= @* s/f]8 (# nfvn] ePsf] j[l4sf] sf/0f v'b gfkmf ut jif{{sf] t'ngfdf ?= $ s/f]8 $@ nfvn] sdL ePsf] 5 .

k"FhL j[l4 ug]{ ;DaGwdf g]kfn /fi6« a}+ssf] lgb]{zg cg'?k a}+ssf] t]>f] jflif{s ;fwf/0f ;efn] :jLs[t u/L hf/L ePsf] !)M@=$ cg'kftsf] xsk|b z]o/ z]o/wgL dxfg'efjx?sf] pT;fxk|b ;xeflutfdf k"0f{ ?kdf r'Qmf ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ xflb{s wGojfb 1fkg ub{5f}+ . a}+sn] cfkm\gf] r'Qmf k"FhL ;dLIff jif{{df ?= @ ca{ k'¥ofpg ;kmn ePsf] 5 . ;dLIff jif{{df a}+ssf] s"n k|fylds k'FhL ?= @ c/a !# s/f]8 /x]sf] 5 eg], s"n k"FhLsf]if ?= @ c/a @% s/f]8 -k'/s k'FHfL ;lxt_ /x]sf] 5 . a}+ssf] k'FhL kof{Kttf cg'kft !#=@* k|ltzt /x]sf] 5, h'g lgodgsf/L lgsfon] tf]s]sf] Go'gtd !) k|ltzt eGbf #=@* k|ltztn] a9L 5 / o;n] a}+ssf] ljlQo ;jntf Pj+ :j:Yftf bzf{pb5 .


lgIf]k

a}+lsË If]qdf laBdfg t/ntfsf] cefjsf afah't klg a}+sn] cfkm\gf] lgIf]k cfly{s jif{{sf] cfiff9 d;fGtdf ?= !# ca{ #( s/f]8 k'¥ofpg ;kmn /x]sf] 5 . h;dWo] Jofh ltg'{ gkg]{ vftfsf] lgIf]k ?= %* s/f]8 *% nfv /x]sf] 5 . a}ssf] s"n >f]tsf] *$Ü lx:;f lgIf]kn] cf]u6]sf] 5 . lgIf]ksf] nfutdf ePsf] j[l4sf] jfjh'b a}+sn] cfkm\gf] lgIf]knfO{ /0fgLlts tj/df Jojl:yt ug{ ;kmn ePsf] 5 .

shf{

a}sn] b]zsf] cfly{s l:ylt Pj+ hf]lvd Go'gLs/0fsf l;4fGtx?nfO{ Wofgdf /fVb} /0fgLlts of]hgf cg'?k ;ldIff jif{{df pTkfbgd'ns If]q tyf ;fgf tyf demf}+nf shf{df s]lG›t /lx shf{ k|jfx u/]sf] 5 eg] eljiodf ;d]t oL shf{x?nfO{ k|fyldstfdf /fv]sf] 5 . cfiff9 d;fGtdf a}+ssf] s"n shf{ ?= !@ c/a $# s/f]8 /x]sf] 5 . o; cfly{s jif{{df pkef]Qmf shf{ s"n shf{sf] !&Ü /x]sf] 5 .

a}+sn] shf{ hf]lvd Joj:yfkgnfO{ ;w} g} k|fyldstf lbPsf] 5 . g]kfn /fi6« a}+ssf] lgb]{zfg';f/ / hf]lvd Go'gLs/0f /0fgLlt cg'?k a}+sn] ?= %@ s/f]8 $# nfv shf{ gf]S;fgL Joj:yf u/]sf] 5 / o; cf=j=df s"n ?= #& s/f]8 @# nfv shf{ gf]S;fgL Joj:yf vr{sf] ?kdf n]lvPsf] 5 . s"n shf{ gf]S;fgL Joj:yf s"n shf{sf] $=@@ k|ltzt /x]sf] 5 eg] s"n v/fa shf{ s"n shf{sf] cg'kftdf #=%! k|ltztdf /x]sf] 5, h'g ut ;fnsf] t'ngfdf @=$& k|ltztn] al9 5 .

nufgL

;dLIff cjlwsf] cGTodf a}+ssf] nufgL ?= ! ca{ !) s/f]8 /x]sf] 5 . s"n nufgLsf] ^&Ü lx:;f ;/sf/L ;'/If0fn] cf]u6]sf] 5 eg] @(Ü ljb]zL a}sdf ul/Psf] nufgLn] cf]u6]sf] / afFsL lx:;f z]o/ / cGt/a}+s ;fk6Ln] lnPsf] 5 .

z]o/wgLx?n] a'l´lng afFsL /x]sf] nfefz+sf] /sd

o; a}+sn] cf=a= @)^^÷)^& df 3f]if0ff u/]sf] gub nfef+z dWo] ;dLIff cjlw ;Dd z]o/wgL dxfg'efjx?n] ?=! s/f]8 %( nfv e'QmfgL lng afFsL 5 .

v'b Jofh cfDbfgL

o; ;dLIff cjlwdf a}+ssf] v'b Jofh cfDbfgL !(Ü n] j[l4 eO{ ?= ^( s/f]8 &) k'u]sf] 5 . Jofh cfDbfgLdf ePsf] @$Ü j[l4sf] sf/0f v'b Jofh cfDbfgLdf j[l4 x'g uPsf] xf] .

cGo cfDbfgL

sldzg tyf l8:sfpG6, cGo ;+rfng cfDbfgL / ;6xL 36a9 cfDbfgL a}+ssf cGo cfDbfgLsf cËx? x'g . o; cfly{s jif{df cGo cfDbfgL ?= !# s/f]8 * nfv /x]sf] 5 . o; ;dLIff cjlwdf sldzg tyf l8:sfpG6df #%Ü n] j[l4 eO{ ?= % s/f]8 & nfv /x]sf] 5 eGf] cGo ;+rfng cfDbfgL ?=$ s/f]8 ^) nfv /x]sf] 5 . o; ;dLIff cjlwdf cGo cfDbfgL s"n ;+rfng cfDbfgLsf] !^Ü /x]sf] 5 .

cGo ;+rfng vr{

;dLIff cjlwdf ut jif{{sf] t'ngfdf ;+rfng vr{ !*Ü n] j[l4 eO{ ?= #* s/f]8 ( nfv /xg uPsf] 5 h;sf] d"Vo sf/0f zfvf la:tf/, sd{rf/Lx?sf] ;+Vof tyf d"No j[l4 /x]sf] 5 .

gfkmf gf]S;fg afF8kmfF8 ljj/0f

a}+sn] o; cfly{s jif{{df v'b gfkmf ?= $ s/f]8 $@ nfv u/]sf] 5 / o; gfkmfsf] afF8kmfF8 ljj/0f lgDgfg';f/ /x]sf] 5 .


ljj/0f o; jif{ -?= xhf/df_

ut jif{ - ?= xhf/df_

o; jif{{sf] v'b gfkmf $,$@,#( @),$#,%!

ut jif{{ ;Ddsf] ;+lrt d'gfkmf ^,)@,$! #,*@,%$

nufgL ;dfof]hg sf]if pN6\ofOPsf] !,%),)) –

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

afF8kmfF8

;fwf/0f hu]8f sf]if **,$* $,)*,&)

;6xL 36a8 sf]if (,@& !$,($

nufgL ;dfof]hg sf]if #)) !,%),))

k|:tfljt gub nfefz+ *,)^,)) !@,%),))

;l~rt d'gfkmf @,**,)% ^,)@,$!

a}sn] z]o/wgLx?sf] lxt / a}+ssf] k"FhL kof{Kttf cg'kftnfO{ ;Gt'lnt /flv a}+ssf] Jofkf/ j[l4 ug]{ gLlt cjnDag u/] adf]lhd o; cfly{s jif{{sf] nflu ?= * s/f]8 ^ nfv gub nfefz+ lbg] k|:tfj ul/ ?= @ s/f]8 ** nfv d'gfkmf cGo jif{{sf] nflu ;+l~rt ul/Psf] 5 .

jf;nft ldlt eGbf kl5 36]sf 36gfx?sf] ljj/0f

ldlt @)^* cfiff9 d;fGt kl5sf] a}+ssf] cfly{s lxtnfO{ c;/ kg]{ s'g} klg 36gf g/x]sf] hfgsf/L u/fpFb5' .

Rffn' cfly{s jif{{sf] k|ult ljj/0f

rfn' cfly{s jif{{sf] k|yd tLg dlxgfsf] cj:yf ut ;fnsf] ;f]xL cjlw;+u t'ngf ubf{ lgDg cg'?k /x]sf] 5 .

?= xhf/df

zLif{s cflZjg d;fGt @)^*

cflZjg d;fGt @)^&

;~rfng d'gfkmf -;+efljt gf]S;fgL Joj:yf cl3sf]_ *,&(,!) !$,!(,$#

s"n lgIf]k !%,%@,$#,&$ !#,(@,$^,%)

s"n shf{ ;fk6 !#,)),#!,)! !@,#*,*^,%^

a}ssf] rfn' cfly{s jif{{sf] k|yd tLg dlxgfsf] k|ult ;Gtf]ifhgs g} /x]sf] 5 . rfn' cfly{s jif{{sf] k|yd q}dfl;s cjlwdf a}+sn] s"n lgIf]kdf !!Ü k|ltztsf] j[l4 xfl;n u/]sf] 5 eg] shf{ ;fk6df @Ü n] dfq j[l4 x'g uPsf] 5 . ut jif{{sf] k|yd q}dfl;ssf] t'ngfdf ;+rfng d'gfkmfdf #*Ü n] lu/fj6 cfpg'sf] d"Vo sf/0f Jofh cfDbfgL ;dodf c;'n pk/ x'g g;Sg' /x]sf] 5 . pQm Jofh cfDbfgL xfn qmlds ?kdf c;'n pk/ xF'b} cfPsf] 5 . t/ b]zsf] ;du| cfly{s l:ylt, cl:y/ /fhgLlts cj:yf, a8\bf] k|lt:kwf{n] ubf{ cfpbf lbgx? a}+ssf] nflu lgs} r'gf}ltk"0f{ /xg] 5 . a}+sn] oL ;a} r'gf}ltx?nfO{ s'zntfk"j{s ;fdgf ub}{ hfg]df ;~rfns ;ldlt ljZj:t /x]sf] 5 .

zfvf la:tf/

a}+ssf] cfkm\gf] ;+hfn a9fpFb} u|fxs ;]jf lj:tf/ ug]{ qmddf ;ldIff jif{df e}+;]kf6L, jflgof6f/, 9Nsf], sn+sL, uf}/, ;'Vv8 / dx]Gb|gu/ u/L s"n & j6f gofF zfvf vf]ln b]zsf] k"j{b]lv ;'b"/ klZrd ;Dd s"n $& j6f zfvf :yfkgf ul/;s]sf] 5 . h;dWo] sf7df08f} pkTosf leq @@ / aflx/ @% zfvf /x]sf 5g\ . ;fy}, a}+ssf] ;+hfn lj:tf/ ub}{ n}hfg] gLlt cg'?k


rfn' cfly{s jif{{df yk $ j6f zfvf :yfkgf ug]{ of]hgf /x]sf] 5 . h; cg'?k e}/xjf / g]kfnu+hdf zfvf vf]Ngsf] nflu g]kfn /fi6« a}+saf6 :jLs[lt lnO{ cfjZos k|lqmof cufl8 a9fO{ ;lsPsf] 5 eg] cGo @ zfvf vf]Ng] ;DaGwdf ;d]t cfjZos ;DefJotf cWoog ug]{ sfo{ eO{/x]sf] 5 .

;]jf la:tf/

a}sn] ;bf g} ;do ;fk]If tyf cfkm\gf ;]jfu|fxLx?sf] dfu adf]lhd gofF tyf kl/dflh{t ;]jfx? ;+rfngdf NofPsf] 5 . ;f]xL cg'?k o; cfly{s jif{{df klg a}+sn] ljleGg k|sf/sf lgIf]k of]hgfx? ;+rfngdf NofPsf] 5 .

rfn' cf=j= df a}+sn] cfkm\gf] ;]jf la:tf/ ug]{ qmddf Visa Debit Card ;+rfngdf NofO{ ;s]sf] 5 eg] eljiodf Visa Credit Card klg ;+rfngdf Nofpg] t}of/L eO{ /x]sf] 5 . cTofw'lgs k|ljlwnfO{ cfTd;fy ub}{ cufl8 a9\g] gLlt cg'?k a}+sn] o; cfly{s jif{{df NTC ADSL/Landline & mobile postpaid bill payment, NTC GSM/CDMA prepaid re-charge, Fund Transfer tyf Exchange Enquiry h:tf ;]jfx? klg ;+rfngdf NofPsf] 5 . o; ;dLIff cjlwdf a}+sn] cfkm\g} %$ j6f Pl6Pdx? klg ;+rfngdf NofPsf] 5 .

k|ljlw ljsf; tyf ;"rgf Joj:yfkg k|ljlw

a}+sn] ;w} g} gljgtd k|ljlw cfTd;fy ub}{ o; k|ljlwsf] o'udf cfkm"nfO{ ;b}j cufl8 /fv]sf] 5 . a}+sn] cfkm\gf ;a} zfvfx?df Op cal Fiber / VSAT sf] k|of]u4f/f Real Time df lx;fj lstfa /fVg] u/]sf] 5 h;n] Data Redundancy, Data Error h:tf ;d:ofx?nfO{ x6fO{ ;"rgf rflxPsf] a]nfdf ;lhn} pknAw u/fpFb5 . a}+sn] rfn' cfly{s jif{{df cGt/fli6«o :t/sf] ;km\6j]o/ T24 ;+rfngdf NofPsf] 5 . a}+s cfkm\gf] ;"rgf >f]t / Data System sf] ;'/Iff k|lt ;b}j ;+j]bgzLn 5 . h; cg'?k a}+sn] IT Policy nfu' u/]sf] 5 h;n] a}+ssf] Data Centre Opera on, Hardware, Network Security tyf Computer System ;DalGw ljifox?nfO{ a}+ssf] Internal Audit / Compliance sf] ;'k/Lj]If0fdf lgb]{lzt ub{5 .

ljk|]if0f sf/f]jf/

cfly{s ljsf;sf nflu dxTjk"0f{ dfWodsf] ?kdf lnOPsf] ljk|]if0f ;DalGw sfo{nfO{ klg a}+sn] Western Union, Money Gram, Habib Express, MTA Express h:tf ljk|]if0fsf] sfo{ug]{ ;+:yfx?;+u ;Demf}tf u/L o;nfO{ lg/Gt/tf lbg'sf ;fy ;fy} a}+sn] cfkm\g} Online Remi ance Product ;"of]{bo /]ld6sf] ljsf; tyf lj:tf/df ljif]z hf]8 lbb} cfPsf] 5 .

a}+sn] ljleGg o'/f]lkog /fi6«x? UK, Italy / Spain, dWok"jL{ Pl;ofnL /fi6«x? stf/, ax/fOg, Oh/fon, cf]dg, s'j]t / UAE tyf cGo /fi6«x? Australia, USA / dn]l;of l:yt ljleGg Exchange Company x? ;+u ;Demf}tf ul/ 5f]6f] cjlwdfg} dfly pNn]v ul/Psf b]zx?jf6 ljk|]if0fsf] sf/f]af/ ;+rfng ub}{ cfPsf] 5 . o;sf ;fy} a}+sn] zfvf sfof{nox? gePsf] :yfgaf6 ljk|]if0f e'QmfgLsf nflu s]cf/P; ;f]n';g k|f= ln=, O{;LP; dlg6«fG;km/ k|f= ln / ljleGg ljsfz a}+sx? – O{Gk|mf:6«Sr/ 8]enKd]06 a}+s, u'lNd ljsf; a}+s, lgw{g pTyfg ljsf; a}+s, dflnsf ljsf; a}+s, l;4fy{ ljsf; a}+s, cNkfO{g ljsf; a}+s, Pr P08 la ljsf; a}+s / c/lgsf] ljsf; a}+s;+u ;Demf}tf u/L b]zsf ljleGg ^)) eGbf a9L Ph]G6 dfkm{t /sd e'QmfgLsf] Joj:yf ldnfPsf] 5 . cfufld cfly{s jif{df ;]jf lj:tf/sf nflu a}+sn] yk gofF :yfg tyf /fi6«x?sf] klxrfg u/L ljk]|if0f ;]jfnfO{ cem j9L k|efjsf/L jgfpg] p2]Zo lnPsf] 5 .

dfgj ;+;fwg

a}+sn] cfkm\gf sd{rf/Lx?nfO{ ;b}j cfkm\gf] dxTjk"0f{ ;+;fwgsf] ?kdf lnPsf] 5 . a}+ssf] a9\bf] Jofkf/ tyf Jojl:yt zfvf la:tf/ gLltsf] sf/0fn] o; cf=j=df klg a}+sdf sd{rf/Lx?sf] ;+Vof a9]sf] 5 . ablnbf] kl/j]z, ultlzn cfly{s jftfj/0fdf cfkm\gf sd{rf/Lx?nfO{ ;do;fk]If bIf / lzko'Qm agfpgsf] nflu a}+sn] ljleGg cfGtl/s tyf afx\o tflndx? pknAw u/fpb} cfPsf] 5 . dfgj ;+;fwgsf] lasf;n] b}lgs sfo{df ;xof]u ug]{ dfq geO{ a}+sdf gofF ;f]r, gofF k|ljlwx? leq\ofpg] s'/fdf ;+rfns ;ldlt ljZj:t 5 .


;~rfns ;ldlt

;dLIff cjlwdf a}+ssf ;+:yfks cWoIf >L tf]nf/fd b'u8sf] c;fdoLs :juf{/f]x0f eO{ l/Qm x'g uPsf] ;+rfns kbdf afFsL sfo{sfn ;Ddsf] nflu ;+:yfks >L dfnrGb b'u8nfO{ ;+rfns kbdf lgo'lQm ul/Psf] 5 . ;fy} a}+ssf] ;+rfns ;ldltsf] cWoIf kbdf ;+rfns >L df]tLnfn b'u8nfO{ ;+rfns ;ldltsf] ;j{;Ddltn] lgo'lQm ul/Psf] 5 . a}+ssf] ;+rfns ;ldlt :juL{o lgjt{dfg cWoIf >L tf]nf/fd b'u8sf] lr/ zflGtsf] sfdgf tyf zf]s ;GtKt kl/jf/hg k|lt xflb{s ;dj]bgf JoQm ub{5 . ;fy} gjlgo'Qm cWoIf >L df]tLnfn b'u8 / ;+rfns >L dfnrGb b'u8sf] ;kmn sfo{sfnsf] nflu z'esfdgf JoQm ub{5 .

a}ssf] ;+rfns ;ldltdf sDkgL P]g @)^#, a}+s tyf ljlQo ;+:yf P]g @)^# sf] k|fjwfg cg'?k ;+:yfks z]o/wgLx?sf tkm{af6 ̂ hgf / ;j{;fwf/0f z]o/wgLx?sf tkm{af6 @ hgf ul/ s"n * hgf ;+rfnsx? /xg' ePsf] 5 . ;+rfns ;ldltsf ;b:ox?n] g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ hf/L ul/Psf] Code of Ethics df x:tfIf/ u/]sf 5g\ . ;+rfns ;ldltsf] d"Vo cleef/f a}+s ;+rfngsf nflu cfjos kg]{ gLlt lgdf{0f, a}+sn] cjnDag u/]sf] gLltut af6f]sf] ;'k/Lj]If0f, a}ssf] gLltut nufgLx?sf] ;'k/Lj]If0f, a}+ssf] k|ultsf] k'g/fjnf]sg, lgodgsf/L lgsfosf] lgb]{zg kl/kfngfsf] ;'k/Lj]If0f tyf z]o/wgLx? / lgIf]kstf{x?sf] lxt /Iff ug'{ /x]sf] 5 .

;~rfns ;ldltsf] a}+7s

laBdfg P]g sfg"gsf] k|fjwfg cg'?k ;~rfns ;ldltsf] a}7s lgoldt ?kdf a:g] u/]sf] 5 . ;~rfns ;ldltdf a}+ssf k|d"v sfo{sf/L clws[t :yfoL cfdlGqt ;b:o x'g'x'G5 .

o; ;dLIff cjlwdf ;~rfns ;ldltsf] s"n #^ j6f a}7s a;]sf] 5 . a}7s eQf jfkt ;dLIff cjlwdf s"n ?= !@,#@,)))÷– vr{ ePsf] 5 .

n]vfk/LIf0f ;ldlt

a}+ssf] n]vf k/LIfssf] lgo'lQmsf] nflu l;kmfl/; ug{, a}+ssf] cfGtl/s n]vf k/LIf0fsf] sfo{If]q lgwf{/0f ug{, cfGtl/s, jfXo tyf s]Gb|Lo a}+saf6 ePsf] n]vf k/LIf0fsf] l;nl;nfdf k|fKt ePsf s}lkmotx?sf] ;dLIff ug{ / a}+ssf cfGtl/s n]vf k/LIfsn] k]z u/]sf] cfGtl/s n]vf k/LIf0f k|ltj]bgdf pNn]lvt s}lkmotx? pk/ ;dLIff ug{sf] nflu u}/sfo{sf/L ;+rfns >L ;'/]z s'df/ a:g]tsf] cWoIftfdf n]vf kl/If0f ;ldlt u7g ul/Psf]5 . h;df u}/sfo{sf/L ;~rfnsx? >L >Llgjf; zf/bf / >L lxSdt axfb'/ dfnL tyf a}+ssf cfGtl/s n]vfkl/Ifs l;P;l; P08 sDkgL, rf6{/ Psfp06]06, ;b:o / a}+ssf sDkgL ;lrj >L l6sf e§/fO{ ;lrj /x]sf 5g\ .

n]vfk/LIfs

ut cfly{s jif{{df a}+ssf] t]>f] ;fwf/0f ;efaf6 lgo'Qm n]vfk/LIfs >L /fh PdP; P08 s+= n] a}ssf] n]vfk/LIfsaf6 /flhgfdf lbPsf] x'Fbf a}+ssf] ;+rfns ;ldltsf] l;kmfl/; tyf sDkgL /lhi6«f/sf] sfof{nosf] lg0f{o adf]lhd >L Pd= vgfn P08 sDkgLnfO{ ;fwf/0f ;efn] kfl/t u/]s} z'Nsdf a}ssf] n]vfk/LIfsdf lgo'lQm ul/Psf] 5 .

;+:yfut ;'zf;g

a}sn] lgodgsf/L lgsfo tyf sfg"gsf] kl/kfngfsf] lglDt dfq} geO{ c;n Jofkfl/s shf{ tyf cfjZos kf/blz{tfsf lglDt klg ;+:yfut ;'zf;gnfO{ ;w} g} cu|0fL :yfgdf /fv]sf] 5 . a}+ssf] ;+:yfut ;'zf;g Framework cGtu{t ;+rfns ;ldltsf] lgikIf Pj+ kf/bzL{ sfo{ k|0fnL, ;+rfns ;ldltsf] x:tIf]kd'Qm b}lgs Joj:yfksLo sfd sf/jfxL tyf a}+ssf] sfo{;Dkfbg c´ r':t / k|efjsf/L agfpg ;+rfns ;ldlt b[9 /x]sf] 5 .

a}+sn] ;+:yfut ;'zf;gsf tLg cleGg cË Integrity, Transparency / Fairness nfO{ ;b}j cfTd;fy ub}{ cfPsf] 5 / a}+sn] cfkm\gf z]o/wgL, cGo ;/f]sf/jfnfsf] lxt tyf cfkm\gf] ;]jfu|fxLx?sf] dfu / ;]jfu|fxLnfO{ lbg] ;]jfsf] u'0f:t/ j[l4 ug{ ;+:yfut ;'zf;gnfO{ cfkm\gf] gLlt tyf lgodx?sf] cleGg cË agfPsf] 5 / eljiodf klg agfpb} hfg]5 .


;+:yfut ;fdflhs pQ/bfloTj

a}sn] ;w}g} ;fdflhs lxtsf] nflu ;lqmo e"ldsf lgjf{x u/]sf] 5 . a}+sn] ;+:yfut ;fdflhs pQ/bfloTj k|lt c´ a9L nugzLn eO{ nfUg ;do ;dodf laleGg sfo{qmdx? k|fof]hg ug]{ u/]sf] 5 . a}+sn] ;do ;dodf /Qmbfg sfo{qmd, tyf cGo /fxt sfo{qmdx? ;+rfngdf NofPsf] 5 . o; ;+:yfn] 6'x'/f afnaflnsfx?nfO{ sk8f tyf pkef]Uo ;fdfgx? pknAw u/fpg'sf ;fy} cfly{s ;xof]usf sfo{qmdx? x/]s jif{{ ;+rfngdf NofPsf] 5 .

eljiosf r'gf}ltx?, cj;/x? / a}+ssf] /0fgLlt

b]zsf] ;du| cfly{s l:ylt Pj+ /fhg}lts cl:y/tf rfn' jif{{df klg r'gf}ltsf] ?kdf /xg] a}+ssf] cg'dfg /x]sf] 5 . ;fy} a9\bf] k|lt:kwf{ Pj+ bIf hgzlQmsf] cefjn] c? r'gf}ltx? ylkO{ /x]sf 5g\ . gofF ;]jfx? / k|ljlwx?sf] a9\bf] dfunfO{ a}+sn] cj;/x?sf] ?kdf lnPsf] 5 .

o; r'gf}lt / cj;/x?nfO{ Wofgdf /fVb} a}+sn] cfkm\gf] ;]jfsf] bfo/f tyf u'0f:t/ j[l4 ub}{ n}hfg], yk gljgtd ;]jfx? k|bfg ug]{ tyf gofF ahf/x? / gofF If]qdf cfkm\gf] ;]jfx? la:tf/ ub}{ n}hfg] gLlt lnPsf] 5 .

wGojfb 1fkg

xfd|f z]o/wgL dxfg'efjx? xfd|f x/]s kfOnfdf ;fy lbg] ;xofqLx? x'g'x'G5 . jxfFx?sf] ;Nnfx, ;'´fjn] g} a}s cfhsf] cj:yfdf cfOk'u]sf] xf] . t;y{ z]o/wgL dxfg'efjx?n] xfdL k|lt b]vfpg'ePsf] ;befj tyf ljZjf;sf] o; ;+rfns ;ldlt ;w} g} ;/fxgf ub{5 . xfd|f x/]s pknAwLx?df xfd|f ;xofqLx?, xfd|f ;]jfu|fxLx? / xfd|f z'elrGtsx?n] ;w} g} ;fy lbg'ePsf] 5 .

o; ;+rfns ;ldlt xfdLnfO{ lg/Gt/ lbzflgb]{z ug]{ g]kfn /fi6« a}+s, lwtf]kq af]8{, g]kfn :6s PS;r]~h, sDkgL /lhi6«f/sf] sfof{no, cy{ dGqfno, g]kfn ;/sf/ tyf cGo lgodgsf/L lgsfox?nfO{ jxfFx?n] k'¥ofpg' ePsf] ;xof]usf] nflu s[t1tf hfx]/ ub{5 . ;fy} a}+ssf] x/]s pknlAw / k|ultdf cfkm\gf] s8f kl/>dsf ;fy dxTjk"0f{ of]ubfg k'¥ofpg] a}+ssf ;a} sd{rf/Lx?sf] kl/>dsf] sb/ ub}{ o; ;+rfns ;ldlt cfpbfF jif{{x?df ;d]t ;a};+u o:tf] ;xof]usf] ck]Iff ub{5 .

;+rfns ;ldltsf] tkm{af6

df]tLnfn b'u8

cWoIf


sDkgL P]g, @)^# sf] bkmf !)( -$_ cg';f/sf] cltl/Qm ljj/0frfn" cfly{s jif{{sf] pknlAw M

?= xhf/df

zLif{s cflZjg d;fGt @)^* cfiff9 d;fGt @)^*

s"n ;Dklt !*,!),!#,#* !%,*%,)$,%*

s"n lgIf]k !%,%@,$#,&$ !#,#(,!&,!$

s"n shf{ !#,)),#!,)! !@,$#,$#,*#

s"n nufgL !,!),%%,!! !,!),##,$#

g]6 jy{ @,!^,)^,() @!,$^,)^!

;+rfng d'gfkmf -;+efljt gf]S;fgL Joj:yf cl3sf]_ *,&(,!) $$,^*,*&

shf{ gf]S;fgL Joj:yf #,^(,$) #&,@#,%*

v'b gfkmf #,$&,&* $,$@,#(

n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmof

cf=j= @)^&÷)^* sf] n]vf k/LIf0f k|ltj]bgdf a}lsË sf/f]af/sf] l;nl;nfdf x'g] ;fdfGo s}lkmotx? Affx]s cGo s}lkmotx? g/x]sf] . pQm s}lkmotx? pk/ ;+rfns ;ldltsf] Wofgfsif{0f ePsf] / ;'wf/fTds sbdx? rfNg / eljiodf gbf]xf]l/g] Joj:yf ldnfpg cfjZos k|aGw ul/Psf] 5 .

hkmt ul/Psf z]o/x?sf] ljj/0f M a}+sn] xfn;Dd s'g} z]o/ hkmt u/]sf] 5}g\ .

;xfos sDkgLx?;+usf] sf/f]af/ M a}ssf] s'g} ;xfos sDkgL 5}g .

cfwf/e"t z]o/wlgx?af6 sDkgLnfO{ pknAw u/fOPsf] hfgsf/L M cfly{s jif{{df s'g} o:tf] hfgsf/L a}+snfO{ k|fKt ePsf] 5}g .

cfly{s jif{{df sDkgLsf ;+rfns tyf kbflwsf/Lx?n] v/Lb u/]sf z]o/x? M cfly{s jif{{df s'g} o:tf] hfgsf/L a}snfO{ k|fKt ePsf] 5}g .

sDkgL;+u ;DalGwt ;D´f}tfx?df ;~rfnsx? Tfyf lghsf glhssf gft]bf/x?sf] JolQmut :jfy{sf af/] sDkgLnfO{ pknAw u/fOPsf] hfgsf/L M cfly{s jif{{df s'g} o:tf] hfgsf/L a}+snfO{ k|fKt ePsf] 5}g .

cfly{s jif{{df sDkgLn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] ljj/0f M xfn;Dd s'g} o:tf] sf/f]af/ ePsf] 5}g .

cfGtl/s lgoGq0f k|0fnLsf] ljj/0f M a}+sdf k|efjsf/L cfGtl/s lgoGq0f k|0ffnL Pj+ ;Ifd cfGtl/s n]vf kl/Ifssf] Joj:yf ul/Psf] 5 . pQm n]vf kl/Ifssf] k|ltj]bg n]vf kl/If0f ;ldltdf 5nkmn ul/ cfjZos ePdf Joj:yfkgnfO{ ;'wf/sf] nflu lgb]{zg tyf ;'´fj ug]{ k|s[of /x]sf] 5 .

cfly{s jif{{df ePsf] s"n Joj:yfkg vr{ M gfkmf gf]S;fg lx;fadf pNn]v eP cg';f/ .

n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, tLgsf kfl/>lds tyf ;'ljwf Pj+ ;f] ;ldltn] cfly{s jif{{df ;Dkfbg u/]sf] sfd sf/jfxLsf] ljj/0f / s"g} ;"emfj ePdf ;f] sf] klg ljj/0f M

>L ;'/]z s'df/ a:]gt -cWoIf_, >L >Llgjf; zf/bf ;b:o, >L lxSdt axfb'/ dfnL ;b:o, a}+ssf cfGtl/s n]vfkl/Ifs l;P;l; P08 sDkgL, rf6{/ Psfp06]06, ;b:o / a}+ssf sDkgL ;lrj >L l6sf e§/fO{ ;lrj ;lxtsf] Ps n]vfk/LIf0f ;ldlt /x]sf] 5 . o; cfly{s jif{{df !! k6s ;ldltsf] a}7s a:of] / ;b:ox?nfO{ a}7s eQf jfkt hDdf ?= !,)!,!))÷– e'QmfgL ul/Psf] 5 . ;ldltn] cfGtl/s n]vfk/LIf0f k|ltj]bgx?sf] ;dLIff u/L Joj:yfkgnfO{ cfjZos lgb]{zgx? ;lxt ;f] k|ltj]bgx? ;~rfns ;ldltdf k|:t't ug]{ u/]sf] 5 . ;fy} a}+ssf] jflif{s lx;fj lstfj tyf jfx\o n]vfk/LIfsn] hf/L u/]sf] n]vfk/LIf0f k|ltj]bgsf] ;dLIff u/L ;~rfns ;ldltdf tb\g'?k l;kmfl/z ;lxt k7fpg] u/]sf] 5 .

;~rfnsx?, k|d'v sfo{sf/L clws[t, cfwf/e't z]o/wgLx? tyf tLgsf glhssf gft]bf/x? / ;+nUg kmd{, sDkgL O{TofbLaf6 sDkgLnfO{ k|fKt x'g afFsL /sdM gePsf] .

;~rfnsx?, k|d'v sfo{sf/L clws[t tyf cGo kbflwsf/Lx?nfO{ lbOPsf] kfl/>lds, eQf tyf ;'ljwfx? M o; cfly{s jif{{df ;+rfnsx?nfO{ a}7s eQf jfkt ?= !@,#@,))).– e'QmfgL ul/Psf] 5 . k|d'v sfo{sf/L clws[t tyf cGo kbflwsf/Lx?nfO{ tnj tyf eQf jfkt ?= @,$*,@*,%!).– -s/ sl§ kl5_ e'QmfgL ul/Psf] 5 .

z]o/wgLx?n] e'QmfgL lng afFsL nfef+zM z]o/wgL dxfg'efjx?n] ?= ! s/f]8 %( nfv e'QmfgL lng afFsL /x]sf] 5 .


lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)^% sf] lgod @@ sf]

pklgod ! ;“u ;DalGwt

cg';"rL—!# adf]lhdsf] ljj/0f

!= ;+rfns ;ldltsf] k|ltj]bg M jflif{s k|ltj]bgsf] ;DalGwt lzif{s cGtu{t /flvPsf] .

@= n]vfk/LIfssf] k|ltj]bg M jflif{s k|ltj]bgsf] ;DalGwt lzif{s cGtu{t /flvPsf] .

#= n]vfk/LIf0f ePsf] ljQLo ljj/0f M jflif{s k|ltj]bgsf] ;DalGwt lzif{s cGtu{t /flvPsf] .

$= sfg'gL sf/jfxL ;DaGwL ljj/0f M

-s_ q}dfl;s cjlwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'2f bfo/ ePsf] eP M a}+sn] q}dfl;s cjlwdf s'g} klg d'2f bfo/ gu/]sf] t/ a}+ssf Ps C0fLn] shf{ glt/L a}+sn] shf{ c;'nL k|lqmof cuf8L a9fPsf] ;DaGwdf k'g/fj]bg cbfnt kf6gdf lgif]wf1f d'2f bfo/ u/L xfn ;Ddflgt cbfntdf ljrf/flwg /x]sf] .

-v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;+rfnsn] jf ;+:yfks jf ;+rfnssf] lj?4df k|rlnt lgodsf] cj1f jf kmf}Hbf/L ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ u/]sf] jf ePsf] eP M a}+snfO{ o; lsl;dsf] s'g} hfgsf/L k|fKt gePsf] .

-u_ s'g} ;+:yfks jf ;+rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d'2f bfo/ ePsf] eP M a}+snfO{ o; lsl;dsf] s'g} hfgsf/L k|fKt gePsf] .

%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] ljZn]if0f

-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]jf/ ;DaGwdf Joj:yfkgsf] wf/0ff M g]kfn lwtf]kq jf]8{sf] /]vb]vdf lwtf]kqahf/df v'Nnf ahf/n] lgwf{/0f u/] cg'?k sf/f]af/ x'g] x'+bf a}+s Joj:yfkg t6:y 5 .

-v_ ut jif{sf] k|To]s q}dfl;s cjlwdf ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s"n sf/f]jf/ z]o/ ;+Vof / sf/f]jf/ lbg M ut cfly{s jif{{df z]o/sf] clwstd, Go"gtd, clGtd d"No, sf/f]af/ ;+Vof / sf/f]jf/ ePsf] lbgsf] ljj/0f -g]kfn :6s PS;r]Gh lnld6]8sf] j]e;fO6 cg';f/_ lgDg adf]lhd /x]sf] 5 M

ljj/0f k|yd q}df; låtLo q}df; lqlto q}df; rf}yf] q}df;

clwstd d'No ?= @^! ?= @%* ?= @#) ?= @^!

Go"gtd d'No ?= !(& ?= @!) ?= !$! ?= !!@

clGtd d'No ?= @#$ ?= @!( ?= @@^ ?= !^#

sf/f]jf/ ;+Vof $*,#^) %@,^)& !,#^) @,%*,##)

sf/f]jf/ ePsf] s"n lbg %( %& %@ %(

^= ;d:of tyf r'gf}tL M ;+ul7t ;+:yfn] axg ug'{k/]sf] ;d:of tyf r'gf}lt :ki6 ?kdf pNn]v ug'{kg]{ / pQm ;d:of tyf r'gf}ltnfO{ ;+ul7t ;+:yfsf] cfGtl/s / jfx\o egL alu{s/0f u/L To:tf] ;d:of tyf r'gf}tL ;dfwfg ug{ Joj:yfkgn] cjnDag u/]sf] /0fgLlt ;DaGwL ljj/0f .

&= ;+:yfut ;'zf;g M ;+:yfut ;'zf;g sfod /fVg] ;DaGwdf a}+sn] bx|f] gLlt ckgfPsf] 5 . g]kfn /fi6« a}+sn] hf/L u/]sf] ;+:yfut ;'zf;g ;DaGwL Plss[t lgb]{zg @)^* tyf cGo cfjZos lgod sfg"gx?sf] a}+sn] k"0f{ kfngf ub}{ cfPsf] 5 / lg/Gt/ ?kdf kfngf ub}{ hfg] s'/fdf a}+s k|lta4 5 .


*= ljj/0fkqdf k|If]k0f ul/Psf / n]vfk/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s ;DaGwL ljj/0fM o; a}+sn] ;j{;fwf/0fsf] nflu xsk|b z]o/ lgisfzg ubf{ k|sflzt ljj/0f kq / cf=j= @)^&÷^* sf] n]vf kl/If0f k|ltj]bgsf] ljQLo ljj/0fdf hu]8f tyf sf]ifx?, shf{, ltg{ afFsL lanx?, cfos/ bfloTj, gub df}Hbft, a}+s / ljlQo ;+:yfdf ePsf df}Hbft, dfu tyf cNk ;"rgfdf k|fKt x'g] /sd / nufgL zLif{s cGtu{t pNn]lvt /sdx? km/s b]lvG5 . ;f]sf] ;DaGwdf hu]8f tyf sf]ifx? tkm{ k|:tfljt eGbf jf:tljs v'b gfkmf 36\g'sf ;fy} $Ü k|:tfljt nfef+zsf] sf/0fn] sf]ifsf] /sd km/s kg{ uPsf] xf] . ahf/df t/ntfsf] cefj ePsf]n] shf{ ;fk6df km/s kg{ uPsf] xf] . o;}ul/ a}+ssf] sf/f]af/df c;/ kg{ glbgsf] nflu cfjZos ;|f]t h'6fpg cGo a}+s tyf ljQLo ;+:yfx?af6 sd nfut kg{] cNksfnLg C0f k|fKt ul/ ;|f]t kl/rfng ul/Psf] xf] . cu|Ld s/ bfloTjnfO{ cGo ;Dkltx?sf] zLif{s cGtu{t b]vfOPsf] ;fy} s/ bfloTj s'ndf b]vfOPsf] sf/0fn] km/s kg{ uPsf] xf] . gub df}hbft ;DaGwdf ahf/df rfn' ;Dkltsf] ;'udtfsf] sf/0fn] km/s kg{ uPsf] b]lvG5 . cGt/a}s sf/f]af/sf] sf/0fn] cGo a}+s tyf ljlQo ;+:yfx?df ePsf] df}hbft a[l4 x'g] b]lvG5 ;fy} cGt/ a}+s sf/f]af/ a[l4 / sf]ifsf] cefjsf] sf/0fn] ubf{ cNk ;"rgfdf k|fKt x'g] /sddf km/s kg{ uPsf] xf] . nufgL ;DaGwdf xfn d'n'ssf] jt{dfg cj:yf cg's'n geO{ nufgLsf] k|ltkmn sd ePsf] sf/0fn] km/s kg{ uPsf] xf] . sld;g tyf l8:sfp06 cfDbfgLnfO{ k'g jlu{s/0f ul/ cGo ;+rfng vr{df b]vfOPsf] 5 . ;fy} c;n shf{nfO{ klg lg:s[o shf{ ;fk6df k'gjlu{s/0f ul/Psf] 5 . o;}ul/ ;+efljt gf]S;fgL Joj:yfdf ePsf] a[l4sf sf/0f v'b d'gfkmfdf sdL cfPsf] xf] .

(= lgod @@ sf] pklgod -%_ ;Fu ;DaGwLt ljz]if 36gf jf kl/l:ylt ;DaGwL ljj/0f cfly{s jif{sf] cjlwdf pNn]v eP cg';f/sf] ljz]if 36gf jf kl/l:ylt ;[lht ePsf] eP lgDg ljj/0fx? M a}+ssf] ;"rLs[t lwtf]kqsf] ahf/ d"Nodf c;/ kfg{ ;Sg] s'g} pNn]Vo 36gf jf sf/f]af/ gePsf] .


;g\/fOh a}+s lnld6]8sf]Zf]o/wgL dxfg'efjx? ;dIf :jtGq n]vfk/LIfssf] k|ltj]bg

!= xfdLn] ;g\/fOh a}+s lnld6]8sf] o;} ;fy ;+nUg @)^*÷)#÷#@ - !^ h'nfO{ @)!!_ sf] jf;nft, ;f] ldltdf ;dfKt ePsf] cfly{s jif{{sf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f, OlSj6Ldf ePsf] kl/jt{g / k|d'v n]vf gLltx? tyf n]vf ;DaGwL l6Kk0fLx?sf] n]vfk/LIf0f ;DkGg u/]sf 5f} .

cfly{s ljj/0fx? k|lt Joj:yfkgsf] lhDd]jf/L@= g]kfn n]vfdfg cg'?k oyfy{ / plrt lrq0f ug]{ ljlQo ljj/0fx? tof/ Pj+ k|:t't ug]{ lhDd]jf/L Joj:yfkgdf /x]sf] 5 . oL lhDd]jf/L cGtu{t

rfx] hfn;fhL jf uNtLaf6 xf];, ;f/e't lsl;dn] q'6L/lxt, ljlQo ljj/0f tof/ ug]{ ;DaGwL cfGtl/s lgoGq0f k|0ffnLsf] th'{df, sfof{Gjog / ;+rfng ug]{ sfo{ n]vfgLltx?sf] 5gf}6 tyf nfu" ug]{ Pjd\ kl/l:ylt cg';f/ n]vf ;DaGwL dxTjk"0f{ cg'dfg ug]{ kb{5g\ .

n]vfk/LIfssf] lhDd]jf/L#= n]vfk/LIf0fsf] cfwf/df ljQLo ljj/0fx? pk/ dGtJo JoQm ug'{ xfd|f] bfloTj xf] . xfdLn] xfd|f] n]vfk/LIf0f g]kfn n]vfk/LIf0fdfg adf]lhd ;DkGg

u/]sf 5f}+ . tL dfgn] xfdLnfO{ Joj;foLs g}ltstfsf] kfngf ug]{ tyf ljlQo ljj/0fx? ;f/e"t ?kdf q'l6/lxt ePsf] af/]df dgfl;j cfZjf;g k|fKt ug{ n]vfk/LIf0fsf] of]hgf agfpg / n]vfk/LIf0f ;DkGg ug{ clgjfo{ u/fpb5g\ .

n]vfk/LIf0f cGtu{t ljlQo ljj/0fdf pNn]lvt /sd / v'nf;fnfO{ k'li6 ug]{ k|df0f k|fKt ug{ ;DkGg ul/g] sfo{ljlw ;+nUg x'G5 . o;/L 5gf}6 ul/Psf] sfo{ljlw rfx] hfn;fhL jf ulNtaf6 xf];\, ;f/e"t ?kdf q'l6o'Qm k|:t'lt x'g ;Sg] hf]lvdsf] n]vfhf]vf ;lxt xfd|f] Joj;foLs lg0f{odf cfwfl/t 5 . To;/L hf]lvdsf] n]vfhf]vf ug]{ qmddf xfdLn] a}+ssf] cfGtl/s lgoGq0f pk/ g} /fo JoQm ug]{ p2]Zon] ge} kl/l:ylt cg';f/ xfd|f] n]vfk/LIf0f sfo{ljlw tof/ ubf{, a}+sn] ljQLo ljj/0f tof/ Pj+ k|:t'lt ug]{ qmddf cjnDjg u/]sf cfGtl/s lgoGq0f k|0fnLsf] ljZn]if0f u/]sf 5f} . n]vfk/LIf0fdf Joj:yfkg4f/f k|of]udf NofOPsf n]vf l;4fGtx? Pj+ ul/Psf dxTjk"0f{ cg'dfgx?sf] pko'Qmtfsf] d"NofÍgsf ;fy} ;du| ljlQo ljj/0f k|:t'ltsf] n]vfhf]vf ;d]t ;dfj]z x'G5 .

xfd|f] n]vfk/LIf0fn] xfd|f] dGtJonfO{ kof{Kt cfwf/ k|bfg ug]{ s'/fdf xfdL ljZj:t 5f} .dGtAo$= xfd|f] /fodf, ;+nUg ljlQo ljj/0fx?n] ;g\/fOh a}+s lnld6]8sf] @)^*÷)#÷#@ -!^ h'nfO{ @)!!_ ut]sf] ljQLo l:ylt / ;f] ldltdf cGTo ePsf]

cfly{s jif{{sf] ;+rfng glthf / gub k|jfxsf k|rlnt sfg"gsf clwgdf /lx nfu" ug{ ;lsg] xb;Dd g]kfn n]vfdfg cg';f/ oyfy{ lrq0f ub{5 / sDkgL P]g, @)^# / g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/ ul/Psf] 5 .

cGo sfg"gL tyf lgods lgsfosf cfjZostf ;DalGw k|ltj]bg% xfdL4f/f ;DkGg ul/Psf] k/LIf0fsf] cfwf/df k|ltj]bg k]z ub{5f} sL M-s_ xfdLn] n]vfk/LIf0f ;DkGg ug{ cfjZos 7fg]sf ;"rgf tyf :kli6s/0fx? ;Dk"0f{ ?kdf kfPsf 5f} .-v_ of] k|ltj]bg;+u ;DalGwt ;+nUg jf;nft, gfkmf gf]S;fg lx;fa / gub k|jfx ljj/0f / ;+nUg cg';"rLx? g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ tof/

ul/g'sf ;fy} sDkgLn] /fv]sf] lx;fa lstfa, alxvftf >]itf / n]vf;+u b'?:t /x]sf 5g\ .-u_ xfd|f] /fodf, a}+ssf] lx;fa lstfa P]g adf]lhd 7Ls ;+u /flvPsf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ a}+sn] Jofh cfDbfgL lx;fa gub k|flKtsf]

cfwf/df n]vfÍg u/]sf] 5 .-3_ xfdLn] a}+ssf] >]itf n]vfk/LIf0fsf] ;dodf, a}+ssf] ;+rfns ;ldlt jf To;sf ;b:o jf s'g} k|ltlglw jf s'g} kbflwsf/L jf s'g} sd{rf/Ln] k|rlnt

sfg"g ljkl/t s'g} sfo{ u/]sf] jf a}+ssf] ;Dklt lxgfldgf u/]sf] jf a}+ssf] xfgL gf]S;fgL u/] u/fPsf] xfd|f] hfgsf/Ldf cfpg .-ª_ a}+sn] u/]sf] sfo{ cfkm\gf] sfo{ If]qleq /x]sf] kfOof] .-r_ xfd|f] /fodf xfdLn] n]vfk/LIf0f u/]sf >]itfx?sf] cfwf/df a}+sn] g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd kof{Kt k"FhLsf]if /fv]sf] tyf ;Dkltdf ;+efljt

gf]S;fgLsf] nflu kof{Kt Joj:yf u/]sf] 5 .-5_ a}+sn] g]kfn /fi6« a}+s4f/f :jLs[t lgb]{zg cg'?k shf{ ckn]vg u/]sf] 5 .-h_ a}+sn] g]kfn /fi6« a}+sn] lbPsf] lgb]{zg cg'?k sfo{ u/]sf] 5 .-´_ a}+sn] lgIf]kstf{ tyf nufgLstf{x?sf] lxt ;+/If0f la?4 sfo{ u/]sf] b]lvPg .-`_ a}+ssf] zfvfx?af6 k|fKt ljj/0fx? :jtGq n]vfk/LIf0f gul/Psf] ePtf klg xfd|f] n]vfk/LIf0fsf] nflu kof{Kt lyP /-6_ a}+sdf n]vf ;DaGwL s'g} hfn;fhL ePsf], a}+ssf] >]Itf / n]vfk/LIf0faf6 xfd|f] hfgsf/Ldf cfPg .


;g\/fOh a}s lnld6]8 jf;nft

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@= hu]8f tyf sf]ifx? $=@ !#,!),^!,$@& !,#%,)!$,%%$

#= C0fkq tyf aG8 $=# – –

$= ltg{ afFsL shf{ ;fk6 $=$ – !%,)),)),)))

%= lgIf]k bfloTj $=% !#,#(,!&,!#,&*^ !$,&^,&),@(,%!^

^= e'QmfgL lbg'kg]{ ljnx? $=^ @^,((,%&! *&,#%,&&$

&= k|:tfljt nfef+z *),^)),))) !@,%),)),)))

*= cfos/ bfloTj – #^,#@,$(@

(= cGo bfloTj $=& @@,(#,*#,!*$ @!,(!,&$,(!#

s"n k"FhL tyf bfloTj !%,*%,)$,%&,(^* !^,(!,*(,#&,@$(

;Dklt cg';"rL o; jif{ ?= ut jif{ ?=!= gub df}Hbft $=* %*,&$,&&,*$@ #(,%$,@^,&@!

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( *(,)),@),)&% (&,$$,%(,(&!

#= a}+s÷ljlQo ;+:yfdf /x]sf] df}Hbft $=!) $@,^(,$$,^** !!,$),(%,^^!

$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd $=!! #@,#*,(&,#&! !@,^),(),$$^

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

^= shf{ ;fk6 tyf ljn vl/b $=!# !!,(!,)),%*,*#@ !@,)$,%@,@*,$)^

&= l:y/ ;Dklt $=!$ #&,!&,#),(%( #^,%),*&,^((

*= u}/ a}lsË ;Dklt $=!% – –

(= cGo ;Dklt $=!^ @#,^(,*$,&%% $#,#@,)(,(@&s"n ;Dklt !%,*%,)$,%&,(^* !^,(!,*(,#&,@$(

$=! b]lv $=!& ;Ddsf cg'';"rLx? jf;nftsf cleGg c· x'g\ .

;+efljt bfloTj cg';"rL $=!&

;+rfnsx?sf] 3f]if0ff cg';"rL $=@(

k"“hLsf]ifsf] tflnsf cg';"rL $=#) s!

hf]lvd efl/t ;Dklt ljj/0f tflnsf cg';"rL $=#) v

shf{ hflvd lgjf/0fsf] nflu of]Uo /sd cg';"rL $=#) u

;+rfng hf]lvd ;DaGwL ljj/0f cg';"rL $=#) 3

ahf/ hf]lvd ;DaGwL ljj/0f cg';"rL $=#) ª

k|d"v ;'rsf°x? cg';"rL $=#!

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n]vf ;DaGwL l6Kk0fLx? cg';"rL $=##

;+:yfksx?sf] shf{ ljj/0f cg';"rL $=#$

ckl/is[t / n]vfkl/If0f ePsf] cg';"rL $=#%

ljlQo ljj/0fx?sf] t'ngfTds ljj/0f

ckl/is[t ljlQo ljj/0f cg';"rL $=#^

df]tLnfn b'u8 cWoIf ;+rfnsx?!= >Llgjf; zf/bf @= 8f= ef]u]Gb| u'/fufO{ #= O{= aR5/fh tft]8 $= >j0f s'df/ uf]on %= dfnrGb b'u8 ^= ;'/]z s'df/ a:g]t &= lxSdt axfb'/ dfnL

:jL6L cu|jfn c?0f k/fh'nL ;'/]Gb| dfg k|wfg k|d'v laQ laefu k|d"v –sf]if Joj:yfkg tyf k"“hL ahf/ k|d"v sfo{sf/L clws[t / /0fgLlts of]hgf ;d"x cfhsf] ldltsf] ;+nUg k|ltjb]g cg';f/:yfg M– sf7df08f} ldlt M @ gf]e]Dj/, @)!! dx]z vgfn, Pkm=l;=P= Pd= vgfn P08 sDkgL rf68{ PsfpG6]06\;


;g\/fOh a}+s lnld6]8 Gffkmf – gf]S;fg lx;fj

-ldlt @)^& >fj0f ! b]lv @)^* cfiff9 #@ ;Dd_

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

!= Jofh cfDbfgL $=!* !,(!,*&,$$,^)) !,%$,^*,(!,)%@

@= Jofh vr{ $=!( !,@@,!^,(*,%@% (^,@@,**,@^%

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#= sldzg tyf l8:sfp06 $=@) %,)&,%(,#%# #,&%,&$,*&@

$= cGo ;+rfng cfDbfgL $=@! $,%(,($,()* %,@(,#!,)$*

%= ;6xL 36a9 cfDbfgL $=@@ #,$),#%,#!^ $,@&,*#,%)%

s"n ;+rfng cfDbfgL *@,&*,#%,^%@ &!,&*,(@,@!@

^= sd{rf/L vr{ $=@# !$,)^,*!,^!^ !@,$),($,^#(

&= cGo ;+rfng vr{ $=@$ @$,)@,^^,**& !(,(*,)#,$)(

*= ;6xL 36j9 gf]S;fg $=@@ – –

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(= ;+efljt gf]S;fgL Joj:yfx? $=@% #&,@#,%*,!)( *,#),(#,%*$

;+rfng d'gfkmf &,$%,@(,)$) #!,)(,)),%*)

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!!= ;+efljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& @,#@,^#* !!,*!,(%%

lgoldt sf/f]jf/af6 ePsf] d'gfkmf *,^@,%%,**# #!,@!,%&,#!%

!@= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL÷vr{ $=@* – –

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!#= sd{rf/L jf]g; Joj:yf &*,$!,$$$ @,*#,&&,(#*

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s_ o; jif{{sf] s/ Joj:yf #,)&,&&,)$% *,!(,&^,@**

v_ ljut jif{{sf] !(,^(,$(% –

u_ o; jif{{sf] :yug s/ cfDbfgL !$,@*,&$( -@%,$&,((*_

v'b d'gfkmf÷-gf]S;fg_ $,$@,#(,!%) @),$#,%!,)*&

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;g\/fOh a}+s lnld6]8

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

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-ldlt @)^& >fj0f ! b]lv @)^* cfiff9 #@ ;Dd_

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!=@ sldzg tyf l8:sfp06 cfDbfgL $,$$,@!,($) *,#^,!#,)@$

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!=$ ckn]lvt shf{sf] c;'nL – –

!=% cGo cfDbfgL %,&$,*(,!!# *(,@*,((&

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@=@ sd{rf/L vr{ -!^,&@,^$,@##_ -!#,!&,!),)!@_

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@=% cGo vr{x? –

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@= ;l6{lkms]6 ckm l8kf]lh6df sdL÷j[l4

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$= cGo bfloTjdf sdL÷j[l4 @,!),*(,@%^ -@,&^,#%,#&,()&_

v_ nufgL sf/f]jf/df gub k|jfx -!),#^,(@,*(&_ -!$,&!,$^,^((_!= bL3{sflng ;Dkltdf sdL÷j[l4 –

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#= bL3{sfnLg nufgLdf Jofh cfDbfgL –

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%= cGo -!(,)^,*@%_

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#= cGo bfloTjdf j[l4÷ sdL -!),(!,!(,@*)_ –

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z]o/ k'“hL tyf bfloTj@)^* cfiff9 d;fGt

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

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v_ ==========gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= !)) n] –

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v_ ==========gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= !)) n]

u_ =========== l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= !)) n]

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s_ @,)!,%),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] @,)!,%),)),))) !,@%,)),)),)))

-ut jif{sf] !,@%,)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n]_

v_ ==========gg\ l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= !)) n]

u_ =========== l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= !)) n]

!=$ k|:tfljt jf]g; z]o/ – –

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hDdf -!=# ± !=$ ± !=%_ @,)!,%),)),))) !,%!,)#,%),)))

cg';"rL $=!

z]o/ :jfldTj @)^* cfiff9 d;fGt

ljj/0f z]o/ k"FhL o; jif{ z]o/ k"FhL ut jif{

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#= cGo Ohfhtkq k|fKt ;+:yfx? – –

$= cGo ;+:yfx? –

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^= cGo – –

v= ljb]zL :jfldTj – – – –

hDdf !)) @,)!,%),)),))) !,@%,)),)),))) !))



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l;=g+= gfdo; jif{ ut jif{

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#= e'if0f u'/fufO{ )=%! !,)@,%%,))) )=&) *&,%),)))

$= ;f}/e u'/fufO{ )=%! !,)@,!*,)))

%= Hof]tL s'df/ a]ufgL )=() !,*!,#%,))) )=() !,!@,%),)))

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(= xl/ k|;fb cu|jfn )=&* !,%&,^@,%)) )=(& !,@!,@%,)))

!)= hd'gf kf}8]n )=&* !,%&,^@,%)) )=(& !,@!,@%,)))

!!= z}n]G› u'/fufO{ )=(( !,((,$*,%)) )=(( !,@#,&%,)))

!@= ;'lznf zdf{ !=)) @,)!,%),))) !=)) !,@%,)),)))

!#= ef]u]G› s'df/ u'/fufO{ !=#& @,&%,!@,%)) !=)) !,@%,)),)))

!$= lg/Ghg nfn v]tfg !=)) @,)!,%),))) !=)) !,@%,)),)))

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!^= rGbf s'df/L a]ufgL !=!) @,@!,^%,))) !=!) !,#&,%),)))

!&= pdf zdf{ !=!@ @,@%,)),))) !=%) !,*&,%),)))

!*= ;'/]G› b'u8 #=!% ^,#$,%^,))) !=^) @,)),)),)))

!(= ;/f]h b'u8 @=)) $,)#,)),))) @=)) @,%),)),)))

@)= lzj/tg zf/bf !=$# @,*&,%),))) @=)) @,%),)),)))

@!= >Llgjf; zf/bf @=)) $,)#,)),))) @=)) @,%),)),)))

@@= /fw]Zofd zf/bf !=$# @,*&,%),))) @=)) @,%),)),)))

@#= kjg s'df/ zf/bf !=$# @,*&,%),))) @=)) @,%),)),)))

@$= ;f}/e tft]8 @=)) $,)#,)),))) @=)) @,%),)),)))

@%= lazfn tft]8 @=)) $,)#,)),))) @=)) @,%),)),)))

@^= ljj]s tft]8 @=)) $,)#,)),))) @=)) @,%),)),)))

@&= ljj]s b'u8 #=&! &,$&,^^,^)) @=&) #,#&,%),)))

@*= aR5/fh tft]8 #=)) ^,)$,%),))) #=)) #,&%,)),)))

@(= tf]nf/fd b'u8 ^=)) !@,)(,)),))) ^=)) &,%),)),)))

#)= dfnrGb b'u8 %=$^ !!,)),%),))) %=)) ^,@%,)),)))

#!= df]tLnfn b'u8 &=@# !$,%^,*$,%)) &=@# (,)#,&%,)))

#@= >j0f s'df/ uf]on %=)! !),)(,!!,@)) %=)! ^,@^,)),)))

##= s}nfz rG› uf]on %=)! !),)(,!!,@)) %=)! ^,@^,)),)))


hu]8f tyf sf]ifx?-@)^* cfiff9 d;fGt_

ljj/0f o; jif{ ?= ut jif{ ?= != ;fwf/0f hu]8f sf]if ^,^^,&#,*!^ %,&*,@%,(*^ @= k"FhLut hu]8f sf]if – – s_ z]o/ lk|ldod #,@$,)&,&@# #= k"FhL lkmtf{ hu]8f sf]if – – $= k"FhL ;dfof]hg sf]if – – %= cGo hu]8f tyf sf]if #,)),))) !,%),)),))) %=! e}k/L cfpg] hu]8f – – %=@ ;+:yf ljsf; sf]if – – %=# nfefz+ ;dLs/0f sf]if – – %=$ ljz]if hu]8f sf]if – – %=% ;Dklt k'g{d"NofÍg sf]if – – %=^ :yug s/ sf]if – %=& cGo :jtGq sf]if – – %=* nufgL ;dfof]hg sf]if #,)),))) !,%),)),))) ^= ;+l~rt gfkmf÷-gf]S;fg_ @,**,)$,#(( ^,)@,$),**$ &= ;6xL 36a9 sf]if @*,&%,$*( !(,$&,^*$ hDdf !#,!),^!,$@& !#,%),!$,%%$

cg';"rL $=@

cg';"rL $=#

C0fkq tyf j08 -@)^* cfiff9 d;fGt_

ljj/0f o; jif{ ?= ut jif{ ?=!= ==============k|ltzt C0fkq k|lt C0fkq ?===================n]-ldlt =================df hf/L ePsf] / ldlt =============df r'Qmf x'g]_- xfn;Ddsf] Redemp on Reserve /sd ?======================_

@=================k|ltzt j08 k|lt j08 ?===================n]-ldlt =================df hf/L ePsf] / ldlt =============df r'Qmf x'g]]_-xfn;Ddsf] Redemp on Reserve /sd ?======================_

#= ==================================== – – hDdf -!±@±#_ – –

cg';"rL $=$ltg{ af“sL shf{ -;fk6L_

-@)^* cfiff9 d;fGt_ljj/0f o; jif{ ?= ut jif{ ?=

s_ :jb]zL != g]kfn ;/sf/ – @= g]kfn /fi6« a}+s – – #= l/kf] bfloTj – $= cGt/ a}+s tyf ljlQo ;+:yf !%,)),)),))) %= cGo ;+ul7t ;+:yfx? ^= cGo – –hDdf – !%,)),)),)))v_ ljb]zL != a}sx? – @= cGo – – hDdf – – hDdf -s±v_ – !%,)),)),)))


lgIf]k lx;fj-@)^* cfiff9 d;fGt_


!= Jofh ltg'{ gkg]{ vftfx?

s_ rNtL lx;fj #&,!!,*^,(^% $),@$,)#,&^)

!= :jb]zL d'›fdf ##,(!,%&,@^) ##,&#,^%,^!#

!=! g]kfn ;/sf/ – –

!=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? &,$(,*)* %,)))

!=# cGo Ohfhtkq k|fKt ljlQo ;+:yfx? $!,&(,$&# !,#%,%%,@**

!=$ cGo ;+ul7t ;+:yfx? #),#&,#$,($( @(,%(,(@,@#(

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

!=^ cGo – –

@= ljb]zL d'›fdf #,@),@(,&)% ^,%),#*,!$&

@=! g]kfn ;/sf/ – –

@=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? – –

@=# cGo Ohfhtkq k|fKt ljlQo ;+:yfx? – –

@=$ cGo ;+ul7t ;+:yfx? !,(@,!&,*$% ^,%),#*,!$&

@=% JolQmut !,@*,!!,*^) –

@=^ cGo – –

v_ dflh{g @),$%,%$,#** !(,#!,&*,#!#

!= sd{rf/L hdfgt – –

@= hdfgt dflh{g !%,@),#!,#^% !$,)*,*(,$$&

#= k|lttkq dflh{g $,#!,(),)@@ #,&*,#&,$$$

$= cGo (#,##,))! !,$$,%!,$@@

u_ cGo !,@&,*@,%)* !,)(,&&,)%#

!= :jb]zL d'›fdf !,@&,*@,%)* !,)(,&&,)%#

!=! ljQLo ;+:yfx? %,@*$ %,)@&

!=@ cGo ;+ul7t ;+:yfx? @,$(,#%$ @,#%,**@

!=# JolQmut !,@%,@&,*&) !,)&,#^,!$$

@= ljb]zL d'›fdf - - @=! ljlQo ;+:yfx? – –

@=@ cGo ;+ul7t ;+:yfx? – –

@=# JolQmut – –

Jofh ltg'{ gkg]{ vftfx? hDdf -s±v±u_ %*,*%,@#,*^! ^),^%,%(,!@^

cg';"rL $=%


lgIf]k lx;fj qmdz…………

-@)^* cfiff9 d;fGt_


@= Jofh ltg'{ gkg]{ vftfx?

s_ jrt lx;fj %,$*,)(,^!,!&! ^,@%,^%,%#,&%%

!= :jb]zL d'›fdf %,$#,#@,#$,%^) ^,@!,@!,)&,@&)

!=! ;+3 ;+:yfx? !@,%!,$^,$%@ &,(@,*&,%((

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

!=# cGo – –

@= ljb]zL d'›fdf $,&&,@^,^!! $,$$,$^,$*%

@=! ;+3 ;:yfx? !),^^@ !!,!(@

@=@ JolQmut $,&&,!%,($( $,$$,#%,@(#

@=# cGo – –

v_ d'2tL lx;fj $,*^,*!,%!,^!& $,*&,$@,#*,(^!

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

!=! ;+3 ;+:yfx? @,!(,(!,!%,%*% !,*(,**,&#,)%)

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

!=# cGo - –

@= ljb]zL d'›fdf ##,*(,!@,%)) &*,#),@#,($#

@=! ;+3 ;:yfx? ##,*(,!@,%)) &*,#),@#,($#

@=@ JolQmut – –

@=# cGo – –

u_ dfu]sf avt ltg'{ kg]{ lx;fj @,$%,$),&&,!#& #,)@,(^,&&,^&$

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

!=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? – !,%(,%$,*)^

!=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx? *^,(#,^$,($% !,@#,%@,(^,%!@

!=# cGo ;+ul7t ;+:yfx? !,)*,^#,$^,*@$ &#,^$,^!,%%*

!=$ JolQmut $^,$&,%^,^%% ((,#(,*#,)%*

!=% cGo – –

@= ljb]zL d'›fdf #,#^,)*,&!# $,&(,*!,&$)

@=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx? – –

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

@=# cGo ;+ul7t ;+:yfx? #,!),^*,&() $,&$,)$,*!&

@=$ JolQmut @%,#(,(@# %,&^,(@#

@=% cGo – –

3_ ;l6{lkms]6 ckm l8kf]lh6 – –

! ;+ul7t ;:yfx? – –

@ JolQmut – –

# cGo – –

Jofh ltg'{ kg]{ vftfx? hDdf -s±v±u±3_ !@,*),#!,*(,(@% !$,!^,)$,&),#()

hDdf lgIf]k -!±@_ !#,#(,!&,!#,&*^ !$,&^,&),@(,%!^


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


!= :jb]zL d'›f @%,(#,(%% &^,!#,&%#

@= ljb]zL d'›f !,)%,^!^ !!,@@,)@!

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

cg';"rL $=&

cGo bfloTj -@)^* cfiff9 d;fGt_


!= k]G;g÷pkbfg sf]if $$,$@,&@) @*,^$,^^$

@= sd{rf/L ;+~ro sf]if @,!&,@^$ –

#= sd{rf/L sNof0f sf]if – –

$= sd{rf/L jf]g; Joj:yf &*,$!,$$$ @,*#,&&,(#*

%= lgIf]kdf e'QmfgL lbg afFsL Jofh !,(%,@%,(($ @,^%,*&,^)#

^= ;fk6Ldf e'QmfgL lbg afFsL Jofh – @#,*&,^&!

&= kfsL g;s]sf] l8:sfp06 / sldzg !,$$,%^,!#& !,$$,#),!)^

*= ;08«L q]ml86;{ !(,*(,$(% $,**@

(= zfvf ldnfg lx;fj – –

!)= :yug s/ bfloTj @%,(^,!@% !!,^&,#&^

!!= e'QmfgL lbg afFsL nfef+z !,%*,*),&@) –

!@= cGo !^,@$,##,@*% !$,##,%$,^&#

hDdf @@,(#,*#,!*$ @!,(!,&$,(!#

cg';"rL $=*

gub df}Hbft-@)^* cfiff9 d;fGt_


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

@= ljb]zL d'›f *%,^%,&## ^$,^%,^*#

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

cg';"rL $=(

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

ljj/0f

:jb]zL d'›f ?=ljb]zL d'›f ?= df

o; jif{ ut jif{ef=?= kl/jTo{ la=d'= hDdf

!= g]kfn /fi6« a}+s *&,&#,#),#!& – !,@^,*(,&%* !,@^,*(,&%* *(,)),@),)&% (&,$$,%(,(&!

s_ rNtL vftf *&,&#,#),#!& – !,@^,*(,&%* !,@^,*(,&%* – (&,$$,%(,(&!

v_ cGo vftf – – – – – –

gf]6 M g]kfn /fi6« a}+saf6 k|fKt ;dy{gkq cg';f/sf] s"n df}Hbft ?= *(,$(,(#,)(^=(! /x]sf]df km/s /sdsf] lx;fj ldnfg eO;s]sf] 5 .

cg';"rL $=^


a}+s÷ljlQo ;+:yfdf /x]sf] df}Hbft-@)^* cfiff9 d;fGt_

ljj/0f :jb]zL d'›f ?=ljb]zL d'›f ?= df

o; jif{ ?= ut jif{ ?=ef=?= kl/jTo{ la=d'= hDdf

!= :jb]zL Ohfhtkq k|fKt ;+:yfx?

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

s_ rNtL vftf @),($,*#,(^# – !@,%*,*^& !@,%*,*^& @!,)&,$@,*#) ^,^@,*%,!)(

v_ cGo vftf – – – – – –

@= ljb]zL a}+sx? – !,^(,%),$!# !(,(@,%!,$$% @!,^@,)!,*%* @!,^@,)!,*%* $,&*,!),%%@

s_ rNtL vftf – !,^(,%),$!# !(,(@,%!,$$% @!,^@,)!,*%* @!,^@,)!,*%* $,&*,!),%%@

v_ cGo vftf – – – – – –

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

gf]6 M ;DaGwLt a}+sx?af6 k|fKt ;dy{gkq cg';f/sf] s"n df}Hbft ?= #$,^!,^(,!)^=#^ /x]sf]df km/s /sdsf] lx;fj ldnfg eO;s]sf] 5 .

cg';"rL $=!!

Dffu tyf cNk;"rgfdf k|fKt x'g] /sdx? -@)^* cfiff9 d;fGt_


!= :jb]zL d'›f @(,)#,^),$%@ #,%#,#),@&&

@= ljb]zL d'›f #,#%,#^,(!( (,)&,^),!^(

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

cg';"rL $=!@

nufgL-@)^* cfiff9 d;fGt_

ljj/0fk|of]hg

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

!= g]kfn ;/sf/sf] 6«]h/L ljn – &!,^(,*#,^%) &!,^(,*#,^%) !,%),*$,*%,!))

@= g]kfn ;/sf/sf] artkq – – –

#= g]kfn ;/sf/sf] cGo C0fkq – @,)^,)),))) @,)^,)),))) @,)^,)),)))

$= g]kfn /fi6« a}+ssf] C0fkq – – – –

%= ljb]zL C0fkq – – – –

^= :jb]zL Ohfhtkq k|fKt ;+:yf – @,!$,)%,))) @,!$,)%,))) !%,)),)),)))

&= ljb]zL a}+s – #!,(&,%$,&(^ #!,(&,%$,&(^ &^,^*,%#,#!*

*= ;+ul7t ;+:yfx?sf] z]o/ – !,*&,)),))) !,*&,)),))) !,*&,)),)))

(= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf j08 – – – –

!)= cGo nufgL %(,)),))) – %(,)),))) &,)),)))

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

Joj:yf – – – –

v'b nufgL %(,)),))) !,)(,&$,$#,$$^ !,!),##,$#,$$^ @,$^,%#,#*,$!*

cg';"rL $=!)


z]o/, l8j]Gr/ tyf j08df nufgL-@)^* cfiff9 d;fGt_

ljj/0f k/n df]n ahf/ d"No Joj:yf o; jif{ ?= ut jif{ ?= != z]o/ nufgL !,*&,)),))) #,$*,)),))) – !,*&,)),))) !,*&,)),))) !=! u'/Ff; nfOkm OG:of]/]G; sDkgL ln= !,%),)),))) #,$*,)),))) – !,%),)),))) !,%),)),))) !,%),))) ;fwf/0f z]o/, k|ltz]o/ ?=!)) sf b/n]

!=@ g]kfn lSnol/Ë xfp; ln= @%,)),))) ;'lrs[t gePsf] – @%,)),))) @%,)),))) @%,))) ;fwf/0f z]o/, k|ltz]o/ ?= !)) sf b/n]

!=# g]zgn a}lsË 6«]lgË OlG:6Ro'6 !@,)),))) ;'lrs[t gePsf] – !@,)),))) !@,)),))) !@,))) ;fwf/0f z]o/, k|ltz]o/ ?= !)) sf b/n]

@= l8j]~r/ tyf j08 nufgL – – – – – @=! ============================= @=@ ============================= @=# ============================= hDdf nufgL !,*&,)),))) #,$*,)),))) – !,*&,)),))) !,*&,)),)))#= hf]lvd ;DaGwL Joj:yf – – – – – #=! ut jif{ ;Ddsf] Joj:yf – – – – – #=@ o; jif{sf] yk36 – – – – – s"n Joj:Yff – – – – – v'b nufgL !,*&,)),))) !,*&,)),))) !,*&,)),)))

Jofkfl/s nufgL -Held for trading_-@)^* cfiff9 d;fGt_

cg';"rL $=!@=!

ljj/0f k/n d"No kl5Nnf] ahf/ d"No

-s_

xfnsf] ahf/ d"No

-v_

ut jif{ gf˚f÷gf]S;fg /sd

o; jif{ gf˚f÷

-gf]S;fg_ /sd -v–s_

s}l˚ot

!= g]kfn ;/sf/sf] 6«]h/L ljn

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]kfn /fi6« a}+s C0fkq

%= ljb]zL C0fkq

^= :jb]zL Ohfhtkq k|fKt ;+:yfsf] z]o/

&= :jb]zL Ohfhtkq k|fKt ;+:yfsf] l8j]Gr/ tyf j08

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08

(= ljb]zL a}+s nufgL -Placement_

!)= cGt/a}+s nufgL

!!= cGo nufgL %(,)),)))

s"n nufgL %(,)),)))

cg';"rL $=!@ s

gf]6M dfly pNn]lvt sDkgL dWo] s'g} klg sDkgLn] ljut ltg jif{ b]lv nfef+z 3f]if0ff u/]sf 5}gg\ .


e'QmfgL ldlt;Dd wf/0f ug]{ nufgL-@)^* cfiff9 d;fGt_

laqmLsf] nflu nufgL-@)^* cfiff9 d;fGt_

cg';"rL $=!@=@

ljj/0f k/n d"No -s_ xfn;Ddsf] Iflt /sd

-v_

o; jif{sf] Iflt /sd -u_

o; jif{ gf˚f÷

-gf]S;fg_ /sd -s–v–

u_


s}l˚ot

!= g]kfn ;/sf/sf] 6«]h/L ljn &!,^(,*#,^%)

@= g]kfn ;/sf/sf] artkq –

#= g]kfn ;/sf/sf] cGo C0fkq @,)^,)),)))

$= g]kfn /fi6« a}+s C0fkq –

%= ljb]zL C0fkq –

^= :jb]zL Ohfhtkq k|fKt ;+:yfsf] z]o/ –

&= :jb]zL Ohfhtkq k|fKt ;+:yfsf] l8j]Gr/ tyf j08 –

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 –

(= ljb]zL a}+s nufgL -Placement_ #$,!!,%(,&(^

!)= cGo nufgL –

s"n nufgL !,)&,*&,$#,$$^

cg';"rL $=!@=#

ljj/0f k/n d"Nokl5Nnf]

ahf/ d"No -s_

xfnsf] ahf/ d"No

-v_

o; jif{ gf˚f÷

-gf]S;fg_ /sd -v–s_


s}l˚ot

!= g]kfn ;/sf/sf] 6«]h/L ljn

@= g]kfn ;/sf/sf] artkq

#= g]kfn ;/sf/sf] cGo C0fkq

$= g]kfn /fi6« a}+s C0fkq

%= ljb]zL C0fkq

^= :jb]zL Ohfhtkq k|fKt ;+:yfsf] z]o/

&= :jb]zL Ohfhtkq k|fKt ;+:yfsf] l8j]Gr/ tyf j08

*= :jb]zL ;“ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 !,*&,)),))) #)),)))

(= ljb]zL a}+s nufgL -Placement_

!)= cGo nufgL

s"n nufgL !,*&,)),))) #)),)))


cg';

"rL $=

!#

ljj/

0f

shf{

vl/b

tyf l8

:sfp

G6 u

l/Ps

f ljn

o; j

if{ ?=

ut j

if{ ?=

:jb]z

L

ljb]z

LhDd

f:j

b]zL

ljb]z

LhDd

fk|f=If]=

cGo

ljld

tcljld

t

!= ;

lqmo s

hf{ ;fk6

-Per

fom

ing_

–42,48,31,31

811

,50,75

,51,97

4–

11,93,23

,83,29

26,55

,87,90

9–

6,55

,87,90

911

,99,79

,71,20

112

,08,79,17

,501

!

=! c

;n s

hf{

–42,48,31,31

811

,50,75

,51,97

4–

11,93,23

,83,29

26,55

,87,90

9–

6,55

,87,90

911

,99,79

,71,20

112

,08,79,17

,501

!

=@ c

;nsf] k'g

/tfln

ls/0

f÷k'g

/;+/r

gf u

l/Ps

f]–

––

@= lgl:q

mo s

hf{ ;fk6

-Non

-Per

form

ing_

–99

,83,73

342,64

,28,218

–43,64

,11,95

1–

––

43,64

,11,95

113

,72,96

,081

@

=! k

'g/tfln

ls/0

f÷k'g

/;+/r

gf u

l/Ps

f]99

,83,73

317

,70,91

,153

18,70,74

,886

18,70,74

,886

99,8

3,73

3

@

=@ s

d;n

–1,95

,09,05

6–

1,95

,09,05

6–

1,95

,09,05

64,75,55

,818

@

=# z

+sf:k

b–

3,48,71,10

2–

3,48,71,10

2–

3,48,71,10

27,00

,70,833

@

=$ v

/fa

–19

,49,56

,907

–19

,49,56

,907

–19

,49,56

,907

96,8

5,69

7

-s_ s"n s

hf{

–43,48,15,05

111

,93,39

,80,19

2–

12,36,87,95

,243

6,55

,87,90

9–

6,55

,87,90

912

,43,43,83,15

212

,22,52

,13,58

2

#= s

hf{ gf]S;

fgL Jo

j:yf

––

–

#=!

c;n

–42,48,313

11,50,75

,520

–11

,93,23

,833

6,55

,879

–6,55

,879

11,99,79

,712

12,08,79,17

5

#=@

k'g/t

flnls

s/0

f÷k'g

/;+/r

gf u

l/Ps

f]–

99,8

3,73

317

,70,91

,153

–18

,70,74

,886

–18

,70,74

,886

24,95,93

3

#=#

sd;

n–

48,77,26

4–

48,77,26

4–

48,77,26

41,18

,88,955

#=$ z

+sf:k

b–

1,74

,35,55

1–

1,74

,35,55

1–

1,74

,35,55

13,50

,35,417

#=%

v/fa

–19

,49,56

,907

–19

,49,56

,907

–19

,49,56

,907

96,8

5,69

7

-v_ s"n Joj

:yf

–1,42,32

,046

50,94,36,39

5–

52,36,68

,441

6,55

,879

–6,55

,879

52,4

3,24

,320

17,99,85,17

7

$= ut

jif{;

Ddsf] Jo

j:yf

––

–9,03

,73,92

8

$

=! c

;n

–31

,60,39

211

,68,30,26

6–

11,99,90

,658

8,8

8,517

–8,8

8,517

12,08,79,17

59,03

,73,92

8

$

=@ k

'g/tfln

ls/0

f÷k'g

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#= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ – –

$= cGo vr{÷cfDbfgL – –

%= =========================== – –

hDdf – –

cg';"rL $=@%

cg';"rL $=@^

cg';"rL $=@&


cg';"rL $=@* -s_

ckn]lvt shf{sf] ljj/0f-@)^& >fj0f ! b]lv @)^* cfiff9 #@ ;Dd_

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

ul/Psf] /sdlwtf]sf] k|sf/ tyf /sd

lwtf] d"NofÍgsf]

cfwf/

shf{ :jLs[t ug]{

clwsf/L÷tx

shf{ c;'nLsf nflu eP

u/]sf k|of;s}lkmot

! rfn' k"FhL shf{ – – – – – –

@ kl/of]hgf shf{ – – – – – –

# l:y/ k"FhL shf{ – – – – – –

$ JolQmut shf{ – – – – – –

% cGo shf{ – – – – – –

hDdf – – – – – –

cg';"rL $=@(

;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyfPs k|ltzt eGbf a9L z]o/ lng] z]o/wgLx?nfO{ uPsf] shf{ ;fk6 ljj/0f

-@)^* cfiff9 d;fGt_

vl/b tyf l8:sfp06 ul/Psf ljnx? / shf{, ;fk6 tyf clwlasif{df k|jflxt s"n /sd dWo] ;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, Ps k|ltzt eGbf a9L z]o/ lng] z]o/xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d]g]lhË Ph]06 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPxsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;+rfns÷sfo{sf/L k|d'vsf] gfd ut jif{ ;Ddsf] afFsL o; jif{sf] c;'nL o; jif{ yk

shf{ ?=

c;f/ d;fGt ;Dd afFsL

;fFjf ?= Jofh ?= ;fFjf ?= Jofh ?= Jofh ?= yk shf{ ?=

s= ;+rfns

!=

@=

#=

v= sfo{sf/L k|d'v

!=

@=

#=

u= ;+:yfks

!=

@=

#=

3= sd{rf/L

!=

@=

#=

ª= Ps k|ltzt eGbf a9L z]o/ lng] z]o/wgLx?

!=

@=

#=

hDdf – – – – – – –


g]kfn /fi6« a}+saf6 s ju{sf] Ohfhtkq k|fKt@)^* cfiff9 d;fGt

k"“hLsf]if tflnsf -%∞ hf]lvd efl/t ;Dklt / @∞ ;+rfng hf]lvdsf] ;dfof]hg kZrft_ljj/0f o; jif{ ut jif{

!=! hf]lvd efl/t ;Dklt

s= shf{ hf]lvd !,$^,*%,!)% !,$(,)!,*@*

v= ;+rfng hf]lvd !@,$$,(*^ $,$@,$)#

u= ahf/ hf]lvd %!,*^& $#,#%)

Pillar II cGt/utsf] ;dfof]hg – –

hf]8 M ^=$ -s_ -!)_ cg';f/ kof{Kt ;"rgf k|jfx gu/] jfkt hf]lvd efl/t ;Dkltsf]=======k|ltzt – –

hf]8 M ckof{Kt t/n ;Dklt jfkt s"n lgIf]ksf]=======k|ltzt – –

;+rfng hf]lvddf k"FhL u0fgf / @Ü ;dfof]hg kZrft\ !,&%,!** –

hf]lvd efl/t ;Dkltdf %Ü sf] ;dfof]hg kZrft\ &,((,)(* –

s"n hf]lvd efl/t ;Dklt -Pillar II cGt/utsf] ;dfof]hg kl5_ !,^(,%^,@$$ !,%#,*&,%*!

!=@ k"FhL o; jif{ ut jif{

k|fylds k"FhL (Tier 1) @!,@&,**^ !^,!!,%&)

s= r'Qmf k"FhL @),!%,))) !%,!),#%)

v= lkmtf{ gx'g] cu|flwsf/ z]o/ – –

u= z]o/ lk|ldod #@,$)* –

3= k|:tfljt jf]g; z]o/ – –

ª= ;fwf/0f hu]8f sf]if ^^,^&$ %&,*@^

r= ;+l~rt gfkmf÷-gf]S;fg_ ut cf=a= ;Ddsf] @*,*)$ #*,@%$

5= rfn" cf=a=sf] gfkmf÷-gf]S;fg_ – @!,(*&

h= k"FhL lkmtf{ ;dfof]hg sf]if – –

´= k"FhL ;dfof]hg sf]if – –

`= nfefz+ ;dLs/0f sf]if – –

6= cGo :jtGq sf]ifx? – –

36fpg]

s Voflt jfktsf] /sd – –

v ckn]vg gul/Psf] ljljw ;Dklt – –

u Ohfhtk|fKt ;+:yfdf ul/Psf] z]o/sf] nufgL – –

3 ljlQo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL -!%,)))_ -!%,)))_

ª ;Ldf eGbf a9L nufgL – –

r k|Tofe"lt cGtu{t ul/Psf] nufgL – –

5 kf/:kl/s qm; xf]lN8Ë – –

h cGo – –

Pillar II cGt/utsf] ;dfof]hg – –

-–_ ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf – –

-–_ ^=$ -s_ -@_ cGtu{t ;DaGwLt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ ;'lawf – !,*$&

k"/s k"FhL (Tier 2) !,@#,!%% !,#&,*@&

s= So'd'n]l6e / l/l8d]an lk|km/]G; z]o/ – –

v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f – –

u= xfOla|8 k"FhL pks/0fx? – –

3= c;n shf{ gf]S;fgL Joj:yf !,!(,(*) !,@),*&(

ª= ;6xL ;dLs/0f sf]if @,*&% !,($*

r= nufgL ;dfof]hg sf]if #)) !%,)))

5= ;Dklt k'g{d"NofÍg sf]if – –

h= cGo sf]if – –

@@,%!,)$! !&,$(,#(&

!=# k"FhLsf]if cg'kft o; jif{ ut jif{

k|fylds k"FhL (Tier 1) ÷s"n hf] lvd efl/t ;Dklt !@=%%Ü !)=$&Ü

k"FhLsf]if (Tier 1 tyf Tier 2) ÷s"n hf]lvd efl/t ;Dklt !#=@*Ü !!=#&Ü

cg';"rL $=#) -s!_

/sd xhf/df



hf]]lvd efl/t ;Dklt ljj/0f tflnsf-/sd xhf/df_

ljj/0f

o; jif{

ut jif{

lstfaL d"No ljz]if Joj:yf

u0fgf ug{ ;lsg] CRM

v'b /sd hf]lvd efl/t k|ltzt

hf]lvd efl/t /sd

v'b /sd hf]lvd efl/t /sd

-s_ -v_ -u_ 3= s– v– u -ª_ r=3xª s= af;nft leqsf] sf/f]jf/gub df}Hbft %,*&,$&* ) ) %,*&,$&* )∞ ) #,(%,$@& )g]kfn /fi6« a}+sdf /x]sf] df}Hbft *,(),)@* ) ) *,(),)@* )∞ ) (,&$,$^) );'g ) ) ) ) )∞ ) ) )g]kfn ;/sf/sf] C0fkqdf nufgL @),^)) ) ) @),^)) )∞ ) @!,#)) )g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfaL (),^!$ ) ) (),^!$ )∞ ) (),^!$ )g]kfn /fi6« a}+ssf] C0fkqdf ul/Psf] nufgL &,!^,(*$ ) ) &,!^,(*$ )∞ ) !%,)*,$*% )g]kfn /fi6« a}+s pk/sf] ;Dk"0f{ bfaL @@,((& ) ) @@,((& )∞ ) ) )ljb]zL ;/sf/ tyf s]lG›o a}+s pk/sf] bfaL (ECA ra ng 0-1)

) ) ) ) )∞ ) ) )

ljb]zL ;/sf/ tyf s]lG›o a}+s pk/sf] bfaL (ECA ra ng 0-2)

) ) ) ) @)∞ ) ) )


) ) ) ) %)∞ ) ) )


) ) ) ) !))∞ ) ) )

ljb]zL ;/sf/ tyf s]lG›o a}+s pk/sf] bfaL (ECA ra ng 7)

) ) ) ) !%)∞ ) ) )

BIS, IMF, ECB, EC / ax'klIfo ljsf; a}+sx? pk/sf] bfaL

) ) ) ) )∞ ) ) )

cGo ax'klIfo ljsf; a}+sx? pk/sf] bfaL ) ) ) ) !))∞ ) ) );fj{hlgs ;+:yf pk/sf] bfaL (ECA ra ng 0-1) ) ) ) ) @)∞ ) ) );fj{hlgs ;+:yf pk/sf] bfaL (ECA ra ng -2) ) ) ) ) %)∞ ) ) );fj{hlgs ;+:yf pk/sf] bfaL (ECA ra ng 3-6) ) ) ) ) !))∞ ) ) );fj{hlgs ;+:yf pk/sf] bfaL (ECA ra ng -7) ) ) ) ) !%)∞ ) ) )tf]lsPsf] k"FhLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfaL $,)!,@)@ ) ) $,)!,@)@ @)∞ *),@$) @,%#,$@$ %),^*%tf]lsPsf] k"FhLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfaL !,@!,#)^ ) ) !,@!,#)^ !))∞ !,@!,#)^ ) )ljb]zL a}+s pk/sf] bfaL (ECA ra ng 0-1) %,!),%)$ ) ) %,!),%)$ @)∞ !,)@,!)! #,)@,*#! ^),%^^ljb]zL a}+s pk/sf] bfaL (ECA ra ng 0-2) $#,)(* ) ) $#,)(* %)∞ @!,%$( !!,$)) %,&)) ljb]zL a}+s pk/sf] bfaL (ECA Ra ng 3-6) ) ) ) !))∞ ) ) )ljb]zL a}+s pk/sf] bfaL (ECA Ra ng 7) ) ) ) !%)∞ ) ) )tf]lsPsf] k"FhLsf]ifdf ! k|ltzt eGbf al9n] k"FhLsf]if sfod ug]{ SAARC If]qleq :yfkgf ePsf] ljb]zL a}+s pk/sf] bfaL

!%,()) ) ) !%,()) @)∞ #,!*) %,*(,%(& !,!&,(!(

:jb]zL ;+3 ;+:yf pk/sf] bfaL ^*,!^,)## %,@#@ ^*,!),*)! !))∞ ^*,!),*)! ^*,#!,!*! ^*,#!,!*!ljb]zL ;+3 ;+:yf pk/sf] bfaL (ECA 0-1) ) ) ) @)∞ ) ) )ljb]zL ;+3 ;+:yf pk/sf] bfaL (ECA 2) ) ) ) %)∞ ) ) )ljb]zL ;+3 ;+:yf pk/sf] bfaL (ECA 3-6) ) ) ) !))∞ ) ) )ljb]zL ;+3 ;+:yf pk/sf] bfaL (ECA 7) ) ) ) !%)∞ ) ) )pkef]Uo tyf ;fgf shf{ -efvf ggf3]sf]_ -Regulatory Retail Por olio)

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

u|fg'nfl/l6 ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{ -Regulatory Retail Por olio Except Granularity)

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

cfjfl;o 3/hUufaf6 ;'/lIft bfaL #,)$,)*# ) ) #,)$,)*# ^)∞ !,*@,$%) $,%!,$^* @,&),**!cfjfl;o 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfaL $#,*!@ ) ) $#,*!@ !%)∞ ^%,&!* !^,%%! @$,*@^ cfjfl;o 3/hUufaf6 ;'/lIft bfaL -efvf gf3]sf]_ ) ) ) !))∞ ) ) )Jofkfl/s 3/hUufaf6 ;'/lIft bfaL !^,##,$*@ ) ) !^,##,$*@ !))∞ !^,##,$*@ &,%#,$^^ &,%#,$^^ E'fQmfgL cjlw ;dfKt eO;s]sf] bfaL -cfjfl;o 3/hUufaf6 ;'/lIft bfaL afx]s_

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

pRr hf]lvdo'Qm bfaL !(,*&,*&) $,%),#@@ !%,#&,%$* !%)∞ @#,)^,#@@ @(,^(,!@) $$,%#,^*):6s PS;r]~hdf ;'lrs[t sDkgLsf] z]o/ / cGo k"FhLut pks/0fdf ePsf nufgL

!%,))) ) ) !%,))) !))∞ !%,))) ) )

:6s PS;r]~hdf ;'lrs[t gePsf] sDkgLsf] z]o/ / cGo k"FhLut pks/0fdf ePsf nufgL

#,&)) ) ) #,&)) !%)∞ %,%%) !*,&)) @*,)%)

cGo ;Dklt &,&),(#! @,%!,$@@ ) %,!(,%!) !))∞ %,!(,%!) $,*@,$%) $,*@,$%)hDdf !^,%%,##,($!^,%%,##,($ $,)*,*$%$,)*,*$% ^,$$,@%(^,$$,@%( !,%%,)),@()!,%%,)),@() !,#),^*,&@&!,#),^*,&@& !,^#,(*,)$*!,^#,(*,)$* !,#&,%@,@!# !,#&,%@,@!#

cg';"rL $=#) -v_



hf]]lvd efl/t ;Dklt ljj/0f tflnsf-/sd xhf/df_

ljj/0f

o; jif{

ut jif{

lstfaL d"No ljz]if Joj:yf

u0fgf ug{ ;lsg] CRM

v'b /sd hf]lvd efl/t k|ltzt

hf]lvd efl/t /sd

v'b /sd hf]lvd efl/t /sd

-s_ -v_ -u_ 3= s– v– u -ª_ r=3xª v= af;nft aflx/sf] sf/f]jf/ h'g;'s} a]nf lkmtf{ lng ;lsg] k|lta4tf ) ) ) ) ) ) – – ljn sn]S;g !(,&*@ ) ) !(,&*@ )∞ ) – – clu|d ljlgdo ;D´f}tf *,!!# ) ) *,!!# !)∞ *!! @,%)) @%) 5 dlxgf eGbf sd cjlwsf] k|ltt–kq :jb]zL sf/f]jf/ kIf

%,^@,*^( ) @(,%** %,##,@*! @)∞ !,)^,^%^ @,(#,)#% %*,^)&

ljb]zL sf/f]jf/ kIf (Counter Party) (ECA 0-1) ) ) ) ) @)∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA -2) ) ) ) ) %)∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA 3-6) ) ) ) ) !))∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA -7) ) ) ) ) !%)∞ ) – – 5 dlxgf eGbf a9L cjlwsf] k|ltt–kq :jb]zL sf/f]jf/ kIf

) ) ) ) %)∞ ) – –

ljb]zL sf/f]jf/ kIf (Counter Party) (ECA 0-1) ) ) ) ) @)∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA -2) ) ) ) ) %)∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA 3-6) ) ) ) ) !))∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA -7) ) ) ) ) !%)∞ ) – – la8 j08, k/km/d]G; j08, sfp06/ Uof/]l06, :jb]zL sf/f]jf/ kIf

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

ljb]zL sf/f]jf/ kIf (Counter Party) (ECA 0-1) ) ) ) ) @)∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA -2) ) ) ) ) %)∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA 3-6) ) ) ) ) !))∞ ) – – ljb]zL sf/f]jf/ kIf (Counter Party) (ECA -7) ) ) ) ) !%)∞ ) – – k|Tofe"lt (Underwri ng) ;DaGwLt k|lta4tf ) ) ) ) %)∞ ) – – a}saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? (Lending of Bank's Securi es or Pos ng of Securi- es as collateral)

) ) ) ) !))∞ ) – –

k'g vl/b ;D´f}tf cGtu{tsf] shf{ ) ) ) ) !))∞ ) – – cu|Ld e'QmfgL hdfgt ^,(%,$#* ) @*,!&@ ^,^&,@^^ !))∞ ^,^&,@^^ #,(#,(^$ #,(#,(^$ljQLo hdfgt ) ) ) ) !))∞ ) – – :jLsf/ tyf b/kL7 (Acceptance & Endorsements) @,&#,(%$ ) !#,^)@ @,^),#%@ !))∞ @,^),#%@ ((,()! ((,()! e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f (Unpaid Por on of Partly Paid shares & Securi es.)

) ) ) ) !))∞ ) – –

ckl/jTo{ shf{ k|lta4tf 5f]6f] cjlw $,((,&%( ) ) $,((,&%( @)∞ ((,(%@ %,#$,@$% !,)^,*$( ckl/jTo{ shf{ k|lta4tf nfdf] cjlw $!^ ) ) $!^ %)∞ @)* – – cGo ;+efljt bfloTjx? ) ) ) ) !))∞ ) – – e'QmfgLsf] nflu bfaL k/]sf hdfgt jfktsf] ;+efljt bfloTj

) ) ) ) – – – –

hDdf #!,%*,!#( ) @,)^,()$ @(,%!,@#% !^,!^,#&* @#,)#,&## !!,$(,^!% s"n shf{ hf]lvd -s±v_ !,(&,!!,%## $,)*,*$% *,%!,!^# !,*$,%!,%@% !,$^,*%,!)% !,*&,)!,&*! !,$(,)!,*@* Pillar II cGtu{tsf] ;dfof]hg – – – – – – – – hf]8 M ^=$ -s_ -#_ cGtu{t k|lt u|fxs shf{ tyf ;'lawf ;Ldf eGbf al9 k|jflxt shf{ tyf ;'lawfsf] !) k|ltzt

– – – – – ) – –

hf]8 M ^=$ -s_ -$_ cGtu{t k'g :jLsf/ x'g] ul/ lalqm ul/Psf shf{x?sf] ! k|ltzt

– – – – – – – –

s"n shf{ hf]lvd Pillar II cGtu{tsf] ;dfof]hg kl5

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

cg';"rL $=#) -v_


cg';

"rL $=#)

-u_

g]kfn

/fi6

« a}+saf

6 s j

u{sf] Oh

fhtkq

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cfif9

d;fGt

CRED

IT R

ISK

MIT

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TS s

f] nflu

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o /

sd

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hf/df_

shf{ ljj/

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f] a}+s

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cGo

a}+sdf

/x]sf] lgIf]k

;'g

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f/sf]

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t

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b]zsf]

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f/sf]

hdfg

t

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t

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af;nft

leqs

f] sf/f]jf/

cGo

b]zsf] ;/s

f/sf] ;'/I

f0f pk/

bfa

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ECA

-2)

– cGo

b]zsf] ;/s

f/sf] ;'/I

f0f pk/

bfa

L (

ECA

-3)

– cGo

b]zsf] ;/s

f/sf] ;'/I

f0f pk/

bfa

L (

ECA-

4-6)

–

cGo

b]zsf] ;/s

f/sf] ;'/I

f0f pk/

bfa

L (E

CA -7

)

– cGo

ax'k

lIfo

ljs

f; a

}+sx?

pk/

sf] bfaL

– ;fj{hlgs ;

+:yf pk/

sf] bfaL

(EC

A 0-

1)

– ;fj{hlgs ;

+:yf pk/

sf] bfaL

(EC

A 2)

– ;fj{hlgs ;

+:yf pk/

sf] bfaL

(EC

A 3-

6)

– ;fj{hlgs ;

+:yf pk/

sf] bfaL

(EC

A 7)

– tf]ls

Psf] k"Fh

Lsf]if s

fod u

g]{ :j

b]zL a}+s

pk/

sf] bfaL

– tf]ls

Psf] k"Fh

Lsf]if s

fod g

ug]{

:jb]z

L a}+s

pk/

sf] bfaL

– ljb]z

L a}s

pk/

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(E

CA R

a n

g 0-

1)

– ljb]z

L a}s

pk/

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(E

CA R

a n

g 2)

– ljb]z

L a}s

pk/

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(E

CA R

a n

g 3-

6)

– ljb]z

L a}s

pk/

sf] bfaL

(E

CA R

a n

g 7)

– tf]ls

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Lsf]ifdf !

k|ltzt e

Gbf a9

Ln] k

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f]if s

fod u

g]{ SA

ARC

If]qleq

:yfkgf

ePs

f ljb]z

L a}+s

pk/

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:jb]z

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f pk/

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%,@#

@ –

%,@#

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f pk/

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(EC

A 0-

1)

– ljb]z

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(EC

A 2)

–

ljb]z

L ;+3;:y

f pk/

sf] bfaL

(EC

A 3-

6)

– ljb]z

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(EC

A 7)

–

pke

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f shf{ -e

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;+nUg ljQLo ljj/0f P]ltxfl;s nfutsf] cfwf/df tof/ kfl/Psf 5g\ . g]kfn n]vf dfkb08 tyf ;j{dfGo n]vfgLlt cg'?k ljQLo ljj/0fx? tof/ kfbf{ s]xL ;+j]bgzLn n]vf cg'dfgx? ug'{kg]{ x'G5 . ;fy}, o;df Joj:yfkgn] a}ssf ljleGg n]vfgLltx?sf] kfngf ug]{ qmddf ljj]s k|of]u ug'{kg]{ x'G5 .

cGoyf pNn]v ul/Psfdf afx]s a}+ssf lalQo ljj/0fx? Pq'mcn (Accrual) cfwf/df tof/ ul/Psf 5g\ . o;/L lalQo ljj/0fx? tof/ ubf{ g]kfn /fi6« a}+sn] ;do ;dodf hf/L u/]sf] lgb]{zgx?sf] kfngf ul/Psf]5 .

@=# Jofh cfDbfgL

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@=$ sldzg cfDbfgL

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@=& Jofh vr{

lgIf]k bfloTj tyf cGo a}+saf6 lnPsf] ;fk6Ldf ltg'{kg]{ JofhnfO{ Pq'mcn cfwf/df n]vfÍg ul/Psf] 5 .

@=* shf{ tyf ;fk6L -ljN; vl/b ;d]t_

u|fxsx?nfO{ k|ToIf ?kdf k|bfg ul/Psf] clwljsif{, JolQmut shf{, cfjlws shf{, xfo/ kr]{h, pkef]Qmf shf{ tyf ljkGg ju{ shf{ o;df kb{5g\ . ;Dk"0f{ shf{ tyf ;fk6LnfO{ ;do ;dodf k'g/fjnf]sg u/L shf{ ;DaGwL hf]lvdsf] txsf] cfwf/df / g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ jlu{s/0f u/L k|:t't ul/Psf] 5 . pko'{Qm ;Dk"0f{ shf{, ;fk6L, tyf ljn vl/bsf] /sdnfO{ shf{ gf]S;fgL Joj:yf s§f u/L v'b /sddf b]vfOPsf] 5 .

@=( sd{rf/L ;fk6L

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@=!) shf{ gf]S;fgL Joj:yf

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@=!! shf{ ;fk6sf] ckn]vg

g]kfn /fi6« a}+saf6 :jLs[t a}+ssf] ljlgodfjnL cg';f/ c;'n gx'g] / Go"gtd Ps jif{;Dd v/fa ju{df jlu{s[t shf{ ;fk6sf] ckn]vg ug{ ;lsg] Joj:yf 5 . o; cfly{s jif{{df a}+sn] s'g}klg shf{ tyf ;fk6LnfO{ ckn]vg u/]sf] 5}g .

cl3Nnf jif{x?df ckn]vg ul/Psf C0fx?sf ;DaGwdf c;'n pk/ ePsf] /sdnfO{ c;'n pk/ ePsf] jif{sf] gfkmf gf]S;fg lx;fadf cfosf] ?kdf b]vfOG5 .

@=!@ nufgL

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s_ Jofkfl/s nufgL

cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] ul/Psf nufgL tyf nufgL kf]6{kmf]lnof]df /x]sf Ps} k|s[tLsf ;Dkltdf ePsf] nufgL o; ju{df kb{5g\ . o:tf nufgLnfO{ ahf/b/ cg'?k b}lgs ?kdf d"NofÍg ug]{ / d"Nodf x'g] leGgtfnfO{ gfkmf÷gf]S;fg lx;fa vftfdf b]vfpg'kg]{5 .

v_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL

e'QmfgL ldlt;Dd wf/0f ug]{ ;sf/fTds dg;fo / e'QmfgL ldlt;Dd wf/0f ug{;Sg] Ifdtf eO{ ul/Psf] nufgL o; ju{df kb{5 . e'QmfgL ldlt;Dd wf/0f ug]{ nufgLnfO{ ckn]lvt nfutdf d"NofÍg ug'{kb{5 . k/n d"Noaf6 Iflt 36fP/ ckn]lvt nfut u0fgf ug'{kb{5 . IfltnfO{ ;DalGwt cjlwsf] gfkmf÷gf]S;fg lx;fa vftfdf ;dfj]z ug'{kb{5 .

u_ lalqmsf] nflu pknAw nufgL

Jofkfl/s nufgL / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL cGtu{t gkg]{ ;Dk"0f{ nufgLnfO{ o; ju{df /flvG5 . ahf/b/


cg'?k lgoldt ?kdf d"NofÍg ul/ leGgtfnfO{ hu]8f dfkm{t\ ;dfof]hg ul/G5 . o:tf nufgLsf] @Ü ;Ddsf] /sd k'/s k"+hLdf u0fgf x'g] nufgL ;dfof]hg sf]if v8f ul/ /flvPsf] 5 .

@=!# l:y/ ;DklQ / x|f; s§L

-s_ l:y/ ;DklQx?nfO{ P]ltxfl;s d"Nodf ;+lrt x|f; /sd / ;Dkltdf ePsf] Iflt a/fa/sf] d"No s§L u/L n]vfÍg ul/Psf] 5 . P]ltxfl;s d"Nodf ;DklQ v/Lb ubf{sf] jvt ePsf k|ToIf vr{x? klg ;dfj]z ul/Psf] 5 .

-v_ ;fdfGotof PsfO{ d"No ?= %,)))÷– eGbf sd ePsf pkef]Uo ;fdfgx? nfO{ vl/b ul/Psf] jif{df g} vr{ n]lvG5 .

-u_ l:y/ ;DklQx?sf] x|f;s§L pNn]lvt b/ k|of]u u/L ;Dkltsf] cg'dflgt cjlwnfO{ cfwf/ dfgL Straight Line method cg';f/ gfkmf gf]S;fg lx;fadf n]vfÍg ug]{ ul/Psf] 5 .

qm=;+= l:y/ ;DklQsf k|sf/ x|f;s§L -k|ltzt_ ;dofjlw

!= ;jf/L ;fwg !% & jif{

@= sf7sf kmlg{r/ !% & jif{

#= wft'sf kmlg{r/ !) !) jif{

$= sfof{no pks/0f !% & jif{

%= sDKo'6/ @) % jif{

lgdf{0f cj:yfdf ePsf l:y/ ;Dkltx?, l:y/ ;Dklt vl/bsf] nflu clu|d e'QmfgL k|of]u ug{ tof/ gePsf] cj:yfdf /x]sf ;Dkltx?nfO{ k"FhLut lgdf{0flwg ;DklQ cGtu{t b]vfOPsf] 5 .

k§fdf lnOPsf] ejgdf ul/Psf] lgdf{0f tyf cGo vr{x?nfO{ k§f cjlwe/df vr{ x'g] u/L ;dfg'kflts ?kdf ckn]vg ul/Psf] 5 . ckn]vg ul/Psf lt vr{x?nfO{ gfkmf gf]S;fg lx;fa vftfdf b]vfOPsf] 5 .

s'g} klg dlxgfsf] !% ut] leq l:y/ ;Dklt vl/b ul/Pdf ;f]xL dlxgf b]lv / !% ut] kl5 vl/b ul/Psf ;DklQsf] xsdf csf]{ dlxgfb]lv x|f;s§L ug]{ ul/Psf] 5 / h'g ldltdf ;Dklt laqmL ul/g] xf] ;f] ldltsf] cl3Nnf] lbg;Dd sf] x|f; s§L ug]{ ul/Psf] 5 .

cfos/ k|of]hgsf] nflu x|f; s§L cfos/ P]g @)%* adf]lhd pNn]v ul/Psf] b/ tyf Joj:yf adf]lhd x'g]5 .

@=!$ u}/–a}lsË ;Dklt

lwtf]df /x]sf] 3/ hUuf lnnfdLdf ;Gtf]ifhgs d"No k|fKt gePdf To;nfO{ a}+s cfkm}n] ;sfg]{ u/]sf] 5 . ;sf/ ubf{ lwtf]sf] k|rlnt ahf/ d"No jf lwtf] ;sf/ ug]{ cl3Nnf] lbg ;Ddsf] ;Dk"0f{ n]gf /sd dWo] h'g sd x'G5 ;f]xL d"Nodf d'NofÍg ug]{ ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd u}/ a}lsË ;Dkltsf] gf]S;fgL Joj:yf ug]{ ul/Psf] 5 .

@=!% ckn]vg

sDKo'6/ ;km\6j]o/ vr{x?nfO{ k/n d'Nosf] cfwf/df k"FhLs[t ul/G5, pQm ;km\6j]o/x?nfO{ vl/b ul/Psf] ldlt b]lv % jif{{ leq ;dfg'kflts ?kdf ckn]vg ug]{ ul/Psf] 5 .

@=!^ sd{rf/L ;'ljwfx?M

-s_ sd{rf/L ;+rosf]if

sd{rf/L ;+rosf]if jfkt a}+sn] cfjlws ?kdf of]ubfg ul/Psf] ;dodf g} vr{ hgfOPsf] 5 / ;f] /sd :jLs[t cjsfz sf]ifdf hDdf ug]{ ul/Psf] 5 .


-v_ ;+lrt ljbfM

a}+ssf sd{rf/Ln] ;+lrt ljbf afkt kfpg] /sd a}ssf] sd{rf/L ;]jf ;t{ / ;'ljwf ;DalGw ljlgodfjnL jdf]lhd Pqm|'cn cfwf/df n]vf+sg ug]{ ul/Psf] 5 .

-u_ pkbfgM

pkbfgsf nflu sd{rf/L ;]jf zt{ ;DaGwL lgodfjnLdf tf]lsPsf] zt{ jdf]lhd sd{rf/Lx?sf nflu cqm'cnsf cfwf/df pkbfgsf] Joj:yf ug]{ ul/Psf] 5 .

-3_ sd{rf/L jf]g;M

sd{rf/L af]g; P]g @)#) cg';f/ v'b gfkmfsf] !) k|ltzt shf{ gf]S;fgL kl5sf] /x]sf] 5 .

@=!& d;nGbM

o; a}+sn] cfˆgf] k|fof]hgsf] nflu vl/b ul/Psf] d;nGb nfO{ vl/b d'Nodf b]vfpg] u/]sf] 5 / pkef]usf] cfwf/df vr{ n]lvPsf] 5 .

@=!* s/M

-s_ rfn" jif{sf] cfos/M

k|:t't cfly{s jif{sf] gfkmfnfO{ cfwf/ lnO{ cfos/ P]g, @)%* sf] Joj:yf cg';f/ cfosf/sf] Jofj:yf ul/Psf] 5 .

-v_ :yug s/M

:yugs/ ;Dklt tyf bfloTjx? / To:tf ;Dklt tyf bfloTjsf] n]vfÍgdf b]lvPsf c:yfoL km/sx?n] eljiosf] gfkmfdf kg]{ c;/x?sf] kl/0fd :j?k cfPsf 5g\ . s/ of]Uo cfo tyf n]vfdf b]lvg] cfosf] ;do cGt/fnjf6 x'g] leGgtfnfO{ :yugs/ dflg ;f] sf] Joj:yf ul/Psf] 5 . :yugs/ ;Dklt kl5 cfh{g x'g] s/ of]Uo cfojf6 p7\g ;Sg] k|jn ;Defjgf tyf olsg geP ;Dd o:tf ;DkltnfO{ ;Dkltsf] ?kdf nf]vfÍg ug]{ ul/Psf] 5}g .

@=!( ut jif{sf c+sx?

Uft jif{sf cÍx?nfO{ cfjZostf cg';f/ k'g{;dfof]hg ug]{ ul/Psf] 5 .


n]vf;+u ;DjlGwt l6Kk0fLx?M

-!_ Aofh cfDbfgLM

@)^* c;f/ d;fGtdf shf{ tyf ;fk6Ldf p7\g afsL JofhnfO{ g]kfn /fi6«a}+ssf] lgb]{zg cg';f/ Interest Sus-pense df :yfgfGt/0f ul/Psf] 5 .

-@_ sd{rf/L jf]g; Joj:yfM

sd{rf/L af]g; Joj:yf af]g; P]g tyf g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ sfod ul/Psf] 5 .

-#_ sd{rf/L cfjf; sf]ifM

>d P]g @)$* cg';f/ sd{rf/L cfjf; s]fifsf] nflu a}sn] s'g} klg Joj:yf u/]sf] 5}g .

-$_ ;fwf/0f hu]8f sf]ifM

a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)^# sf] k|fjwfg cg';f/ rfn' jif{sf] v'b gfkmfjf6 @) k|ltztn] x'g] /sd ? ** nfv $* xhf/ gfkmf g]fS;fg jfF8kmfF8 lx;faaf6 o; sf]ifdf hDdf ul/Psf] 5 .

-%_ ;6xL 36a9 sf]ifM

g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ ljb]zL d'b|fsf] ljlgdo b/df ePsf] km/saf6 ePsf] gfkmf ? #& nfvsf] @% k|ltztn] x'g] /sd o; sf]ifdf gfkmf g]fS;fg afF8kmfF8 lx;faaf6 hDdf ul/Psf] 5 .

-^_ C0fef/sf ?kdf /x]sf] ;DklQM

shf{ ;fk6sf nflu a}ssf] >L;DklQ lwtf]aGwsdf /x]sf] 5}g .

-&_ ;]o/jfkt k|Ktx'g afFsL /sdM

c;f/ d;fGt @)^* ;Dddf z]o/jfkt k|fKtx'g afFsL /sd 5}g .

-*_ cGo ;+:yfx?sf] z]o/ k'lhdf nufgLM

a}sn] u'/fF; nfOkm OG:of]/]G; sDkgL lnld6]8df ? ! s/f]8 %) nfvsf] nufgL u/]sf] 5 . ;f] nufgLnfO k/n d'Nodf b]vfOPsf] 5 . pQm sDkgLsf z]o/x? ;j{;fwf/0fdf hf/L ul/ g]kfn :6s PS;r]Gh lnld6]8df ;'lrs[t ul/Psf] 5 .

a+}sn] g]kfn lSnol/Ë xfp; lnld6]8df ? @% nfv / g]kfn a}+lsË 6]lgË OlG;6o"6df ? !@ nfvsf] nufgL u/]sf] 5 ;f] nufgLnfO k/n d'Nodf b]vfOPsf] 5 .

-(_ pkbfgsf] Jofj:yfM

o; cly{s jif{df a}+sn] ? !^ nfv -ut cfly{s jif{{df ? !( nfv_ a/fa/sf] /sdsf] Aoa:yf u/]sf] 5 .

-!)_ ljbf Jofj:yfM

o; cly{s ajif{df a}+sn] ? & nfv -ut cfly{s jif{{df ? @% nfv_ a/fa/sf] /sdsf] Aoa:yf u/]sf] 5 .

-!!_ clu|d cfos/M

a}+sn] o; cfly{s jif{{df lt/]sf] clu|d cfos/nfO{ at{dfg cfos/ bfloTj ;+u lx;fa ldnfg ul/ k|:t't ul/Psf] 5 .

-!@_ k§f k|ltj¢tfM

-s_ ljlQo k§fM a}+ssf]] s'g} klg ljlQo k§f cGt{utsf] bfloTj 5}g .

-v_ ;+rfng k§fM a}+sn] clkm; lk|ld;]; tyf ATM :k]zsf nflu k§f ;+emf}tf u/]sf] 5 . of] ;+emf}tfnfO{ s'g} klg kIfn] k'j{ ;"rgf lbP kZrft vf/]h ug{ ;S5g\ .

cg';"rL $=##


-!#_ lx;fj ldnfg l:yltM

cGt/ zfvf lx;fa ldnfg sfo{ lg/Gt/ ?kdf @–# lbgsf] cGt/fndf ug]{ ul/Psf] 5 . l/slG;lno;g ePsf t/ ldnfg x'g afFsL /sdsf] :yLlt lgDg adf]lhd 5 .

?= xhf/df

lx;fj ldnfg ljj/0f hDdf tLg dlxgf eGbf sd tLg b]lv gf} dlxgf ;Ddsf] gf} dlxgf eGbf a9L

cGt/ zfvf – – – –

Ph]G;L vftf 4,27,45 4,08,95 18,31 19

-!$_ shf{ tyf ;fk6sf] e'QmfgL c;'ln tyf ;fjfF / Jofhsf] ckn]vg ;DjlGw ljj/0fM

ljj/0f /sd ?= xhf/df

shf{ #@ cfiff9 @)^* df 12,43,43,83

shf{ #@ cfiff9 @)^& df 12,22,52,14

shf{df ePsf] j[l4 -/sddf_ 20,91,70

shf{df ePsf] j[l4 -k|ltztdf_ 1.71

-!%_ lgIf]k bfloTjdf ePsf] kl/jt{gsf] ljj/0fM

?= xhf/df

ljj/0f o; jif{ #@÷)#÷@)^* ut jif{ #!÷)#÷@)^& leGgtf

Dffu]sf] avt kfOg] lgIf]k 2,45,40,77 3,02,96,77 (57,56,00)

rlNt lgIf]k 37,11,87 40,24,04 (3,12,17)

d'2lt lgIf]k 4,86,81,51 4,87,42,39 (60,88)

Dflh{g lgIf]k 20,45,54 19,31,78 1,13,76

art lgIf]k 5,48,09,62 6,25,65,54 (77,55,92)

cGo 1,27,82 1,09,77 18,05

-!^_ ef/Lt cf}ift Jofh b/M

ljj/0f b/ -k|ltztdf_

shf{ tyf ;fk6Ldf cf};t Aofh cfDbfgL 13.02

lgIf]k tyf ;fk6Lsf] cf};t Aofh vr{ 9.19

v'b cGt/ -Net Spread_ 3.83

-!&_ ckn]vg ug{ afFsL vr{M

a}+sn] ckn]vg ug{ afFsL vr{x? tyf cjf:tljs ;DklQx? 5}g .

-!*_ shf{ Psfu|tf ljj/0fM

?= xhf/df

ljj/0fshf{ ;fk6 tyf

ljN; vl/blgIf]k tyf shf{

;fk6L;Defljt bfloTj

@)^* c;f/ d;fGtdf afFsL 12,43,43,83 13,39,17,13 3,15,81,39

Ps OsfOdf pRrtd PS;kf]h/ 28,43,30 21,30,52 25,27,53

Ps OsfOdf pRrtd PS;kf]h/-k|ltztdf_ 2.29 1.59 8.00


-!(_ e'QmfgL calwsf] cfwf/df ;DktL bfloTjsf] jlu{s/0f -? nfvdf_M

ljj/0f e'QmfgL cjlw

hDdf;DklQ

!–()

lbgx?

(!–!*)

lbgx?

!*!–@&)

lbgx?

@&!–#^%

lbgx?

! jif{ eGbf

j9L

gub df}Hbft 5,857 18 5,857

:jLs[lt k|Kt ;+:yfx?df /x]sf] df}Hbft 13,170 - 13,170

ljb]zL a}+sdf nufgL 2,127 - 1,070 3,198

dfu]sf] jvt kfOg] lgIf]k 3,239 - - - - 3,239

g]kfn ;/sf/sf] ;'/If0fdf /x]sf] nufgL – 206 206

g]kfn /fi6« a}+ssf] j08 1,570 2,449 183 731 2,295 7,229

cGt/ a}+s shf{ 214 - - - - 214

shf{ tyf ;fk6L 38,733 17,997 12,254 1,663 37,696 1,24,344

kfpg afFsL /sd –

l/e;{ l/kf] - -

k|ltj4tfsf] lj?4df cGo ;+:yfaf6 k|fKt - - -

@), @! / @@ adf]lhdsf] e'QmfgL ;'ljwf - - -

cGo 6,274 - - - - 6,274

hDdf ;DklQ -s_ 71,184 20,447 12,437 18,395 41,285 1,63,748

rNtL÷dfu]sf] avt kfOg]÷dflh{g÷cGo lgIf]kx? 13,284 - - - 17,015 30,298

art lgIf]k 9,097 - - - 45,840 54,937

d'2tL lgIf]k 9,283 11,680 10,268 16,492 959 48,682

C0fkq

shf{

dfu]sf] avt kfOg]÷cNk ;"rgf

cGt/ a}+s ljQLo ;+:yf

k'gshf{

cGo

cGo bfloTj tyf Joj:yf 7,564 7,564

;lG8« qm]l86;{ 20 20

b]o ljnx? 27 27

k|fKt Aofh

k|ltj4tfsf] lj?4df cGo ;+:yfnfO{ e'QmfgL 5,243 5,243

:jLs[t t/ e'QmfgL x'g afFsL shf{ 2,274 2,274

k|ltkkq÷hdfgt

l/kf]

l;= g+= !! adf]lhdsf] e'QmfgL ;'ljwf

cGo 1,008 21,259 22,267

hDdf bfloTj -v_ 40,336 11,680 10,268 16,492 84,972 1,63,748

v'b ljQLo ;DklQx? -s–v_ 30,949 8,767 2,170 1,903 (43,789)

;+lrt v'b ljQLo ;DklQx? 30,949 39,716 41,885 43,789 0


-@)_ u}/ a}+lsË ;DklQsf] ljj/0fM

ljj/0f ut jif{ ;Ddsf] df}Hbft o; jif{sf] yk÷36 o; jif{sf] laqmL o; cf=j=sf] v'b afFsL

u}/ a}+ls+u ;DklQ 2,77,86,327 2,77,86,327

-@!_ nLh xf]N8 ;DklQsf] ckn]vgsf] ljj/0fM

?= xhf/df

ut jif{ ;Ddsf] df}Hbft o; jif{sf] yk÷ 36 o; jif{sf] ckn]vg o; cf=j=sf] cGTo ;Ddsf df}Hbft

-c;f/ d;fGt @)^*_

11,87,34 1,29,91 1,44,54 11,72,71

-@@_ :yugs/ ;DklQ÷bfloTjM

jf;nftdf b]lvg] ;DklQ tyf blotTjx?sf] /sddf If0fLs leGgtf b]lvg cfPsf] ljj/0f tn k|:t't ul/Psf] 5 .

ljj/0f s/ cfwf/ jf;nftdf b]lvg] d'No If0fLs leGgtf

l:y/ ;DklQ 23,64,67,862 25,44,60,295 1,79,92,434

sd{rf/L pkbfg jfkt - 44,42,720 (44,42,720)

sd{rf/L ;+lrt ljbf - 39,54,025 (39,54,025)

nLh xf]N8 ;DklQ 11,63,71,880 11,72,70,665 8,98,785

:yug ;km\6j]o/ 85,84,837 85,84,837 -

shf{ ;fk6 11,92,07,29,690 11,92,07,29,690 -

k"FhLut ;fdfgsf] vr{ 18,40,723 – (18,40,722)

v'b If0fLs leGgtf 86,53,75186,53,751

c;f/ d;fGt @)^* :yugs/ -;DklQ_÷bfloTjM #) k|ltzt 25,96,12525,96,125

c;f/ d;fGt @)^& :yugs/ -;DklQ_÷bfloTj 11,67,37611,67,376

o; jif{sf] :yugs/ vr{÷-cfDbfgL_ 14,28,74914,28,749

c;f9 d;fGt @)^* df :yugs/ bfloTj ? @%,(^,!@%÷– /x]sf] 5 . ? !$,@*,&$(÷– nfO{ :yugs/ cfDbfgL jfkt o; jif{sf] gfkmf g]fS;fg lx;fjdf b]vfOPsf] 5 .

-@#_ ;DaGwLt kIfx?

-s_ ;DaGwLt sDkgLx? ;Fusf] sf/f]jf/M

;+rfnsx?sf] ljlQo lxt ePsf] a}}sn] tn k|:t't ul/Psf kIfx? ;+u ljlQo sf/f]jf/ u/]sf] 5 .

-?= xhf/df_

ljj/0f sf/f]jf/sf] ljj/0f /sd

u'/fF; NffOkm OG:of]/]G; sDkgL lndL6]8 ;fwf/0f z]o/df ul/Psf nufgL 1,50,00

lgIf]k –


-v_ ut jif{{sf] d"Vo Aoa:yfksx?sf] tna eQfsf] ljj/0f M

-?= xhf/df_

ljj/0f /sd

cNksflng sd{rf/L ;'ljwfx? 5,09,97

cjsf; sd{rf/L ;'ljwfx? 26,51

cGo nfdf] calw ;'ljwfx? 12,23

cjsf; ;'ljwfx? –

z]o/ ;DalGwt e'QmfgL –

d"Vo Joj:yfksx?M

s_ ;'/]Gb| dfg k|wfg

v_ an/fd lai6

u_ cfzf clwsf/L

3_ sdn uf}td

ª_ /ljg g]kfn

r_ c?0f k/fh'nL

d"Vo Joj:yfksx?nfO{ cGo ;'ljwf cGt/ut uf8Lsf] ;'lawf, z]o/sf] nflu shf{ k|bfg ug]{ Joj:yf ul/Psf] 5 . z]o/ shf{sf] Jofhb/ ;fdfGo Jofhb/ eGbf clnslt sd /x]sf] 5 . a}+sn] ;]jf cjlw kZrftsf ;'ljwfx?, nfdf] ;dofjlw ;'ljwf / z]o/ ;DalGwt e'QmfgLx? pknAw u/fPsf] 5}g .

-@$_ nfef+; / jf]g;

o; cfly{s jif{df ;+rfns ;ldltn] $ k|ltzt gub nfef+;sf] l;kmfl/; u/]sf] 5 .


DISCLOSURE UNDER CAPITAL ADEQUACY FRAMEWORK - BASEL IIAs of Ashad end, 2068 (F/Y -2067/068)

CAPITAL STRUCTURE AND CAPITAL ADEQUACY TABLE: (‘000’)

S. N Tier 1 capital and a breakdown of its components Amounta. Paid up capital 2,015,000b. Calls in Advance 0.00c. Share Premium 32,408d. Proposed Bonus Equity Shares 0.00e. Statutory General Reserve 66,674 f. Retained Earnings 28,804g. Un-audited Current Year Cumula ve Profi t 0.00 h. Less: Fic ous Assets 0.00

i. Less: investment in equity of ins tu ons with vested interest (15,000)

Less: Shor all in Provision (6.4 a 1) 0.00

Less: Loans and Facili es extended to Related Par es and Re-stricted lending (6.4 a 2)

0.00

Total Core Capital (Tier I) 2,127,886

Tier 2 capital and a breakdown of its components Amount

a. General Loan Loss Provision 119,980 b. Exchange Equaliza on Reserve 2,875 c. Investment Adjustment Reserve 300 Total Supplementary Capital (Tier II) 123,155 Total Capital Fund (Tier I +Tier II) 2,251,041

Capital Adequacy Ra os Percentagea. Tier 1 Capital to Total Risk Weighted Exposures 12.55%

b.Total Capital Fund (Tier 1 and Tier 2) to Total Risk Weighted Exposures 13.28%

Summary of the bank’s internal approach to assess the adequacy of its capital to support current and future ac vi es, if applicable:

Bank’s current paid up capital has reached to NPR 2.015Billion, a er issuance of shares of NPR 604.50 Million to general public. The Bank has increased its paid up capital to Rs. 2.015 Billion in order to comply with the licensing condi on of NRB which has also helped the Bank to have a steady and strong capital posi on.The overall strategy of the bank has been formulated with the special considera on to the capital adequacy requirement according to BASEL II. The Bank increased its capital base to Rs. 2.015 billion from Rs. 1.25 Billion a er issuance of right shares in two lots. The 1st lot of right share was issued in the ra o of 10:3 and 2nd lot of right share was successfully issued in the ra o of 10:2.4.

Summary of the terms, condi ons and main features of all capital instruments, especially in case of subordinated term debts including hybrid capital instruments.

Bank does not have any other capital instruments except fully paid equity shares as qualifying capital.

1. Detailed informa on about the Subordinated Term Debts with informa on on the outstanding amount, maturity, amount raised during the year and amount eligible to be reckoned as capital funds:

Till date we have no such type of capital instruments.

2. Segrega on of investment por olio into Held for trading, Held to maturity and Available for sale category:


Investment Por olio Amount in ‘000’Held for Trading 5,900Held to Maturity 1,078,743Available for Sale 18,700

Investments are made for held for trading and held to maturity.

3. Summary of the terms, condi ons and main features of all capital instruments, especially in case of subordinated term debts including hybrid capital instruments:

Till date we have no such type of capital instruments.

4. Deduc on from Capital:

No amount is deduc ble from the capital except investment of Rs 15 Millions.

5. Risk Weighted Exposures a er incorpora on of addi onal risk of 2% in opera onal risk and 5% in Total risk weighted exposures:

S.N. Par culars Amount in 000’a. Risk weighted exposure for Credit Risk 15,419,360 b. Risk weighted exposure for Opera onal Risk 1,482,424

c. Risk weighted exposure for Market Risk 54,460 Total Risk Weighted Exposures (a+b+c) 16,956,244

6. Risk weighted exposure under each of 11 categories of Credit Risks:

Amount in ‘000’

S.No. Par culars Risk Weighted Exposuresa. Claims on Govt. and Central Bank - b. Claims on other Financial En esc. Claims on Banks 328,376.73d. Claims on Corporate and Securi es Firm 6,810,801.29e. Claims on Regulatory Retail Por olio 658,807.58f. Claims secured by Residen al Proper es 248,167.71g. Claims secured by Commercial Real State 1,633,482.04h. Past due Claims 542,709.65i. High Risk Claims 2,311,872.25j. Other Assets 534,509.59k. Off balance sheet items 1,616,377.90

Total Risk Weighted Exposures 14,685,104.757. Details of Non Performing Assets (NPAs):

Amount in ‘000’

S.N. Non Performing Assets Gross NPAs Net NPAs

a. Restructured or Rescheduled Loan 187,075 -

b. Sub standard Loan 19,509 14,632 c. Doub ul Loan 34,871 17,436

d. Loss loan 194,957 - Total NPAs 436,412 32,068

8. Ra os of Non-performing Assets:


S.N. Par culars Percentagea. Gross Non- Performing Assets/ Gross Loans 3.51%b. Net Non- Performing Assets/ Net Loans 0. 27%

9. Write off Loans and Interest Suspense: NIL

10. Movement of Loan Loss Provision and Interest Suspense:

S.N. Par culars Amount in ‘000’

a. Movement of Loan Loss Provisions 344,339 b. Movement of Interest Suspense 48,104

11. Details of Addi onal Loan Loss Provisions:

The bank has not made any addi onal provision as at the Balance Sheet date .

12. Policy of Risk Weighted Exposures/ Risk Management Func ons:

The bank management has decided to control and mi gates the credit risk, market risk and opera onal risk by adopt-ing the following strategy:

12.1. Credit Risk

The Bank’s Credit Policy Guidelines has adopted a Credit Risk Management philosophy that involves a con- nual measurement of probability of default/loss ; iden fi ca on of possible risk and mi ga on

12.2. Market Risk

The Bank has Assets Liability Management ( (ALM) Policy, and Assets Liability Management Commi ee (ALCO) , which monitors risks arising from changes in exchange rates in foreign currencies; liquidity profi le of assets and liabili es, investment ac vi es of the bank etc.

12.3. Opera onal Risk

The Bank has developed and implemented various manuals, opera ng procedures and guidelines for moni-toring and controlling Opera onal Risks in the Bank; a number of procedure guidelines and manuals are in process of development.

Most signifi cant steps adopted by the Bank for handling Opera onal Risks are as follows:

Independent reconcilia on department accustomed to conduc ng daily reconcilia on of all agency accounts and Inter-Branch accounts. Transac on Stack System is in place on amount limit basis. Excep on and MIS reports are generated by the system on a ‘Live” basis, where account ac vity can be monitored as and when they occur. General Authority schedule is in place to delegate authority to staff across all levels. Independent Internal Audit has been appointed to carry out review of internal controls and compliance. Transac ons in all levels are handled under dual supervision and control. Output in all transac ons is checked by a higher authority level. Disaster Recovery Server is in place to ensure full restora on of Bank’s data.

13. Types of eligible Credit Risk Mi ga on used and the benefi ts availed under CRM.

As per the provisions of the Capital Adequacy Framework – Basel II, the bank has claimed all the eligible credit risk mi gants for balance sheet and off balance sheet exposures and availed benefi t thereof.


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