Grand Final 23nd agm prativedan_

1@# cf}+ jflif{s ;fwf/0f ;ef k|ltj]bg k'l:tsf

:sf]k jrt tyf C0f ;xsf/L ;+:yf ln=

>L ;b:oHo",

:sf]k jrt tyf C0f ;xsf/L ;+:yf ln= .

laifo M @# cf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g] af/] .

ldlt @)&#.)$.)% df j;]sf] ;+:yfsf] ;+rfns ;ldltsf] a}7s g+= @#÷!& sf] lg0f{o cg';f/ :sf]kjrt tyf C0f ;xsf/L ;+:yf ln=sf] t]O;f}+ jflif{s ;fwf/0f ;ef tkl;ndf pNn]v u/] adf]lhdsf] ljifodf

5nkmn ug{ pNn]lvt ldlt, ;do / :yfgdf a:g] ePsf]n] pkl:yltsf] nflu ;fb/ cg'/f]w ub{5' .

tkl;n laifox?!_ cf=j= @)&@÷)&# sf] jflif{s k|ltj]bg k|:t't 5nkmn / cg'df]bg .@_ cf=j= @)&@÷)&# sf] n]vf kl/Ifssf] k|ltj]bg, jf;nft / cfoJoo ljj/0f k|:t'lt 5nkmn / cg'df]bg .#_ cf=j= @)&#÷)&$ sf] nflu n]vf k/LIfssf] lgo'lQm u/L lghsf] kfl/>lds tf]Sg] .$_ nfef+z /sd !$Ü sf b/n] lat/0f ug]{ k|:tfj k]z ug]{ / cg'df]bg .%_ ;b:o :jf:Yo ;]jf cIfo sf]ifdf hDdf x'g] u/L k|lt ;b:o ?= %).– sl§ ug]{ .^_ lg0f{o k'l:tsfdf x:tfIf/ ug{ k|ltlglw lgo'lQm ug]{ .

&_ ljljw .

jflif{s ;fwf/0f ;ef x'g]ldlt M @)&# cflZjg * ut] zlgjf/;do M laxfg !!M#) ah]:yfg M clUg kf6L{ Kofn];, s'df/Lkf6L nlntk'/ .

PAN : #)!@)(#!& btf{ g+= M )^÷)%)÷)%!

kq ;+Vof M !%÷()÷)&#÷)&$ ldlt M @)&#.)%.!)

rnfgL g+ M @*

gf]6M pkl:ylt kl/jxg laxfg (M)) ah]b]lv ljt/0f ul/g]5 . ;b:ox?n] kl/ro–kq clgjfo{ ;fydf lnO{ kfNg'xf]nf .

ejbLo

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2 @# cf}+ jflif{s ;fwf/0f ;ef k|ltj]bg k'l:tsf


:sf]k jrt tyf C0f ;xsf/L ;+:yf ln=sf]@# cf}+ jflif{s ;fwf/0f ;efdf;+rfns ;ldltsf] tkm{af6 ;+:yfsf cWoIf>L clgn jL/ ah|frfo{Ho"af6 k|:t't k|ult k|ltj]bg

:sf]k jrt tyf C0f ;xsf/L ;+:yf lnld6]8sf] @# cf}+ jflif{s ;fwf/0f ;efsf k|d'v cltlyHo",cltlyHo"x?, laleGg ;+3 ;+:yf Pj+ sfof{noaf6 kfNg' ePsf u0odfGo JolQmTjx?, ;xsf/LsdL{ldqx?, kqsf/ldqx?,;+:yfsf k"j{ ;+rfnsHo"x? tyf ;Dk"0f{ ;b:o dxfg'efjx?df ;+:yfsf] cfhsf]ul/dfdo @#cf}+ jflif{s ;fwf/0f ;efsf] ;d'b\3f6g ;df/f]xsf] ;'vb\ cj;/df ;+rfns ;ldltsftkm{af6 d]/f] AolQmut tkm{af6 xflb{s :jfut clejfbg 6qm\ofpg rfxG5' .

;j{k|yd ut jif{ ;+:yfsf ^hgf cfTdLo ;b:ox? b]xfj;fg x'g' ePsf]n] zf]s ;+tKt kl/jf/hgk|lt xflb{s ;dj]bgf JoQm ub}{ lbj+ut x'g' ePsf ;b:ox?sf] ;'ult / lr/ zflGtsf] nflusfdgf ub{5f}+ .

cfhsf] o; ul/dfdo @# cf+}+ jflif{s ;fwf/0f ;efdf ;+:yfsf] jflif{s k|ltj]bg k|:t'ltsf] z'?dfd ;+:yfsf ;Dk"0f{ cfb/0fLo ;b:o dxfg'efjx? / ;+:yfsf lxt}ifL tyf z'elrGtsx?df xflb{sawfO{+ lbg rfxfG5' ;fy} s[t1tf 1fkg ug{ rfxG5' . cfh oxfFx? ;dIf of] ;dfrf/ ;Dk|]if0f ug{kfpFbf d}n] lgs} uf}/jflGjt / xlif{t dx;'; ul//x]sf] 5' . @)&# ;fndf xfd|f] :sf]k ;fsf];n]/fli6«o tyf cGt/f{li6«o :t/df pTs[i6 k'/:sf/ tyf pkflwx? xfl;n ug{ ;Ifd ePsf] 5 . o;;+:yfn] nlntk'/ lhNnfdf ;fd'bflos ?kdf k'¥ofPsf] ljQLo ;]jf / of]ubfgnfO{ sb/ ub}{ /fli6«o;xsf/L ;+3n] ldlt @)&# c;f/ !* ut]sf lbg cyf{t\ @)!^ h'nfO{ dlxgfsf] k|yd zlgjf/sf lbgcGt/f{li6«o ;xsf/L lbj;sf cj;/df :sf]k ;fsf];nfO{ g]kfnsf] Ps pTs[i6 ;xsf/L ;+:yf 3f]if0ffu/L ;Ddfg k|bfg u/]sf] 5 eg] ldlt @)&# >fj0f #@ ut]sf lbg g]kfn jrt tyf C0f s]lGb|o;xsf/L ;+3 -g]km\:s'g_ af6 klg o; ;+:yfnfO{ g]kfnsf] pTs[i6 jrt tyf C0f ;xsf/L ;+:yf3f]if0ff u/]sf] 5 . /fli6«o :t/df k|fKt oL pknlAwx?n] :sf]k ;fsf];nfO{ /fli6«o ?kd} k|lt:yflkt;xsf/L ;+:yfsf] ?kdf pEofPsf] 5 eg] ;fd'bflos tyf /fli6«o :t/df o;sf] 5lj cem pRr x'guPsf] xfdLn] 7fg]sf 5f}+ . To:t} PlzofnL C0f dxf;+3 (ACCU) af6 Plzof dxfb]zsf jrt tyf C0f;xsf/L ;+:yf÷C0f ;+3x?sf] Ifdtf clej[l4sf] nflu ;+rflnt ACCESS Branding (A1 CompetitiveChoice for Excellence in Service and Soundness)sfo{qmddf ljut % jif{b]lv lg/Gt/ ?kdf ;xefuL eO{o;sf kl/;"rsx?sf] ;do ;fk]If ;'wf/ ug{ ;kmn ePsf] / ACCU af6 Final Audit ;d]t eO{ @)&#cfiff9 d;fGtsf] ;"rsfª\ssf] cfwf/df o;} jif{ o; ;+:yfnfO{ ACCESS Brandingsf] cGt/f{li6«o :t/LoACCESS Bronze Accreditation k|bfg ul/Psf] 5 . Financial Perspective Goals, Member (Customer)Perspective Goals, Internal Business Perspective Goals, Learning and Growth Perspective Goalssf *^ j6fkl/;"rsx?df pNn]vgLo ?kdf ;'wf/ ePsf] cfwf/df g} :sf]knfO{ pQm pkflw k|bfg ul/Psf] xf] ./fli6«o tyf cGt/f{li6«o :t/sf oL pknlAwx? kfpg] nlntk'/ lhNnfs} klxnf] ;xsf/L ;+:yf x'gkfPsf]df ;+:yfsf ;Dk"0f{ ;b:ox? cToGt} uf}/jflGjt ePsf 5f}+ / oL pkflwx? :sf]k ;fsf];nfO{



k|bfg u/]sf]df ;+:yf tyf ;Dk"0f{ ;b:ox?sf] tkm{af6 /fli6«o ;xsf/L ;+3, g]kfn jrt tyf C0fs]Gb|Lo ;xsf/L ;+3 -g]km\:s'g_ / Pzf]l;P;g ckm Pl;og sGkm]8]/]zg ckm qm]l86 o'lgog (ACCU)k|lt d xflb{s cfef/ Pj+ s[t1tf 1fkg ug{ rfxfG5' .

oL pknlAwx?n] Psflt/ ;+:yf ;+rfngsf] nflu yk xf};nf / phf{ k|fKt ePsf] 5 eg]csf]{lt/ ;+:yfsf] k|ult / ;kmntfnfO{ lg/Gt/ cufl8 a9fpg 7"nf] r'gf}tL klg ylkPsf] 5 . ;+:yfsfcfb/0fLo ;Dk"0f{ ;b:o dxfg'efjx? / z'elrGtsx?sf] ;fy / dfofn] o; r'gf}ltnfO{ kSs} klg;fdgf ug{ ;lsg] ljZjf; lnPsf] 5' .

;fy} o; ;+:yfsf] cWoIf d clgnaL/ ah|frfo{ nlntk'/ lhNnf ;xsf/L ;+3sf] n]vf ;ldlt;+of]hsdf lgjf{lrt ePsf] hfgsf/L o; ;ef ;dIf u/fpg rfxG5' . d]/f] sfo{sfndf lhNnf ;+3sf];fy} nlntk'/df ;xsf/Lsf] ljsf;sf] nflu cfkm\gf] Ifdtfn] EofP;Dd of]ubfg ug]{ k|ltj4tf JoQmub{5' . lhNnf ;+3df lgjf{lrt ;Dk"0f{ kbflwsf/Lx?nfO{ z'esfdgf JoQm ub}{ pxfFx?sf] sfo{sfnsf];kmntfsf] sfdgf ub{5' .

g]kfndf ;xsf/Lsf] Oltxf;nfO{ x]g]{ xf] eg] la=;+= @)!)df ;xsf/L ljefu :yfkgf kZrft\ ;xsf/Lsf]sfd sf/jfxL z'? ePsf] / To; kZrft\ lj=;+= @)!# r}q @) ut] avfgk'/ C0f ;xsf/L lalwjt?kdf btf{ eof] . lj=;+= @)!^df ;xsf/L P]g / lj=;+= @)!*df ;xsf/L lgod hf/L eO{ ;xsf/Lsf]ljsf;sf] z'ef/De eof] eg] ;f] sf] nuQ} ;xsf/L k|lzIf0f s]Gb| / ;xsf/L a+}s ;d]t ;+rfng eO{sfo{ z'ef/De ePsf] lyof] . tt\ kZrft\ g]kfnsf] /fhgLlts kl/jt{gsf sf/0f ;a} ;xsf/Lx?nfO{;femfdf kl/0ft u/L ;+rfng ul/of] / lj=;+= @)$^ ;fnsf] k|hftGqsf] k'g:yf{kgf kZrft\ ;xsf/L P]g@)$* / ;xsf/L lgodfjnL @)$( hf/L ePkl5 ;xsf/L cleofg tLj| ultdf cufl8 a9]sf] kfOG5 .;xsfl/tfsf] dfWodaf6 ;Lldt ;fwg ;|f]t ePsf JolQm tyf hg;d'bfon] cfod"ns, /f]huf/Ld"nssfo{x?df ;+nUg eO{ cfkm\gf] hLjg:t/ psf:g ;Ifd ePsf 5g\ eg] o;af6 d'n'ssf] ul/jL lgjf/0fdf;d]t pNn]vgLo of]ubfg k'Ug uPsf] 5, h;sf] sf/0f ;xsf/L Joj;fok|ltsf] cfsif{0f lbgfg'lbgal9/x]sf] 5 . jrt tyf C0f ;xsf/L ;+:yf dfk{mt\ ljQLo kx'Frsf] lj:tf/, s[lif ;xsf/L ;+:yfdfk{mt\ t/sf/L, kz'kfng / b'Uw Joj;fosf] k|j4{g tyf pRr d"Nosf s[lif pTkfbgx? lrof, skmL,kmnk"mn, cn}+rL, cb'jf, dx, pv', h'gf/, hl8a'6L cflbsf] pTkfbg eO{ Jofkf/ lj:tf/ ePsf] 5,To:t} ahf/sf] kx'Frsf] nflu pkef]Qmf k;n ;~rfng ePsf] 5 eg] k|zf]wg tyf ahf/Ls/0f, :jf:Yo,oftfoft, cfjf;, ko{6g tyf ;~rf/ h:tf If]qx?df ;d]t ;xsf/L Joj;fosf] lj:tf/ x'Fb} uPsf]kfOG5 eg] d'n'ssf] s'n ufx{:y pTkfbgdf ;xsf/Lsf] of]ubfg klg lj:tf/} a9\g] qmddf 5 .

;xsf/L pBd Joj;foaf6 cfd hgtfsf] cfly{s ;fdflhs ljsf; u/L ;du| ljsf; lgdf{0f /;fdflhs ?kfGt/0f ug]{ k|r'/ ;Defjgf /x]sf]n] g} g]kfnsf] ;+ljwfg @)&# df /fi6«sf] cy{tGqsf] tLgvDafdf ;/sf/L / lghL If]qsf] ;fy} ;xsf/LnfO{ klg ;dfj]z ul/Psf] tYonfO{ gsfg{ ;ls+b}g . ;xsf/Lk4ltaf6 JolQm / hg;d'bfo tyf ;b:ox?aLr /x]sf ;Lldt ;fwg ;|f]t / ;fwgsf] kl/rfngu/L ;b:o / ;d'bfosf] cfjZostf kl/k"lt{ ug{ ;lsg] ePsf]n] /fHosf] cfly{s ;fdflhs ljsf;sf]nflu ;xsf/Lsf] ljsf; ckl/xfo{ /x]sf] 5 . o;sf] nflu ;/sf/L tyf ;DalGwt lgsfox?n] ;do;fk]If ?kdf cfjZos sbdx? Rfflng] s'/fdf of] ;+:yf ljZj:t /x]sf] 5 .

xfn ;xsf/L If]qnfO{ lgoGq0f ug{ NofOg] elgPsf] gofF ;xsf/L P]g / o;df Joj:yf ul/Psf



s]xL k|:tfljt bkmfx? lgs} rrf{ / ljjfbsf] ljifo ag]sf] 5g\ . kSs} klg ;xsf/L P]gnfO{ ;do;fk]If ;+zf]wg ul/g' kb{5,o;df lgofds lgsfox?sf] e"ldsfsf] Joj:yf ul/g' kb{5 / o; If]qdfunt sfd ug]{nfO{ sf/jfxL klg ul/g' kb{5 . t/ /fi6«sf] cy{tGqsf] tLg vDafdWo] Ps vDaf egL/fHon] g} ;+ljwfg dfk{mt\ :jLsf/ ul/;s]sf] / hgtfdfem lbgfg'lbg nf]slk|o x'Fb} uPsf] ;xsf/LJoj;fonfO{ gofF P]g dfk{mt\ ;+s'rg ul/g] k|fjwfgk|lt xfdL h:tf ;d'bfodf cfwfl/t ;xsf/L;+:yfx?sf] k"0f{ ljdlt /x]sf] 5 . ;a} ;xsf/L ;+:yfx?nfO{ ;d'bfodf cfwfl/t eO{ sfd ug{]jftfj/0fsf] l;h{gf ul/g' kb{5 eGg] xfd|f] wf/0ff /x]sf] 5 / o;sf] nflu cfjZos gLlt lgodx?Nofpg' kb{5 eGg] xfd|f] cfu|x /x]sf] 5 . ;+:yfut ;'zf;g sfod u/L ;a} ;xsf/L ;+:yfx?n];xsf/L P]g, lgod Pj+ ;xsf/L ljefun] ;do ;dodf hf/L u/]sf kl/kq, lgb]{zg tyf ;xsf/Ldfkb08 @)^* sf] kl/kfngf ug'{ kb{5 eGg] xfd|f] dfGotf /x]sf] 5 .

@)%) ;fn efb| @@ ut] btf{ eO{ ljlwjt ;+rfngdf cfPsf] o; ;+:yf @$ cf}+ jif{df k|j]z ul/;s]sf] 5 /cfufdL jif{nfO{ :sf]k ;fsf];n] æ/ht hoGtLÆ jif{sf] ?kdf dgfpg u}/x]sf] oxfFx? ;dIf lgj]bg ug{rfxG5'. o; cjlwdf ;+:yfn] xfl;n u/]sf pknlAwx? s]nfpg] xf] eg] cjZo klg w]/} dxTjk"0f{s'/fx? kfpg ;lsG5 . ;xsf/Lsf] æPssf] nflu ;a} / ;a}sf] nflu PsÆ eGg] d"n gf/fnfO{cfTd;ft\ u/L cfly{s, ;fdflhs, / ;f+:s[lts ljsf; ug]{ Wo]oaf6 clek|]l/t e} :yflkt / lqmofzLnof] ;+:yf cfkm\gf] p2]Zodf cljrlnt eO{ cfh;Dd cl3 al9/x]sf] 5 . ;Lldt ;|f]t ;fwgnfO{ hDdfu/L ;+rfng ul/Psf] o; ;+:yfn] @)&# c;f/;Dddf z]o/, k"FhL sf]if / jrt u/L ^$ s/f]8 eGbfa9Lsf] k"FhL kl/rfng ug{ ;Ifd ePsf] 5 . nlntk'/ lhNnfd} a}+s;Dd hfg lxlRsrfpg] :yfgLohg;d'bfonfO{ ljQLo kx'Fr lbgsf] nflu ljleGg ljQLo ;]jf k|bfg ug'{sf ;fy} nlntk'/ lhNnfsf]gu/ / cGo u|fdL0f If]qdf ;d]t :yfgLo :t/df ;d'bfodf cfwfl/t ;xsf/L ;+:yfx? vf]Ng nufO{ ljQLo;fIf/tfsf ;fy} ljQLo hfu/0f Nofpg o; ;+:yfn] k|d'v e"ldsf v]n]sf] oxfFx?nfO{ ljlbt} 5 .:sf]k ;fsf];\n] jif]{gL lg/Gt/ ?kdf ;b:otf j[l4 u/L ;d'bfodf ljQLo ;]jfx? k|bfg ub}{ cfO/x]sf] 5 .xfn o; ;+:yfsf] ;b:o ;+Vof ##*& k'u]sf] 5 eg] z]o/ k"FhL / k"FhL sf]if u/L ( s/f]8 eGbf a9Ls'n k"FhL k'u]sf] 5. ;+:yfnfO{ of] :t/;Dd NofO{ k'¥ofpgdf ;Dk"0f{ z]o/ ;b:ox?sf] nugzLntf,;xeflutf, ;dembf/L / k|ltj4tfn] 7"nf] e"ldsf lgjf{x u/]sf] 5 . ;fy} cfufdL jif{ ;+:yfsf] /htdxf]T;jsf] jif{ ePsf]n] xfdL ;j}sf] sfFwdf o;nfO{ gofF of]hgf / sfo{qmdsf ;fy ;';+rfng ug]{lhDd]jf/L yk x'g uPsf] 5 . ;f] /ht jif{ sfo{qmdsf] nflu ;b:ox?sf] ;Nnfx / ;'emfjsf] ck]Iffub{5' .

ca d ;+:yfn] cfly{s jif{ @)&@÷)&# leq ;DkGg u/]sf sfo{;Dkfbgsf] k|ult laj/0f / cf=j=@)&#÷)&$ sf] nflu to ul/Psf efjL sfo{qmdx? k|:t't ug{ uO/x]sf] 5' .

!_ ;b:o ;+Vof ( Members)

ljj/0f o; jif{ ut jif{ a[l4 ÜÜ

k'?if ;b:o !%&* !#$! !&=^&Ü

dlxnf ;b:o !*)( !$*@ @@=)^Ü

hDdf ;b:o ##*& @*@# !(=(*Ü



@_ z]o/ k"+hL (Share Capital)


z]o/ k"FhL $,($,(&,#)).– #,&(,&%,^)).– #)=#$Ü

#_ lgIf]k


s'n lgIf]k k|flKt ?= (,%&,^#,$%,%!).)% ?= &^,@&,^&,@@@.$$ @%=%%Ü

s'n lgIf]k e'QmfgL ?= $@,$^,*&,#^^.@) ?= #$,(%,!@,(().(* @!=%!Ü

hDdf lgIf]k ?= %#,@(,$&,!$#.*^ ?= $!,#@,%$,@#!.$^ @*=(^Ü

$_ shf{


s'n shf{ nufgL ?= (@,%#,@%,))).@( ?= &),@%,*$,^$$.&& #!=&)Ü

s'n shf{ c;'nL ?= $%,*%,*(,)*&.(* ?= ##,(&,)(,@&*.&@ #$=((Ü

hDdf shf{ ?= $^,^&,#%,(!@.#! ?= #^,@*,&%,#^^.)% @*=^@Ü

%_ ;DklQ


;DklQ ?= ^$,#$,$(,@&#.^) ?= $(,%),#!,@*$.@# @(=(*Ü

^_ cGo nufgL (Other Investments)

s_ z]o/ nufgL

A NEFSCUN ?= @,)),))).–

A /fli6«o ;xsf/L a+}s ln= ?= !),))).–

A lhNnf ;xsf/L ;+3 ln=, n= k'= ?= !,)@,%)).–

A n=k'= lhNnf jrt tyf C0f ;xsf/L ;+3 ln= ?= !!,))).–

A IME Remittance ?= !)).–

hDdf ?= #,@#,^)).–

v_ d'2tL lgIf]k

A d'2tL lgIf]k -u'x]Zj/L kmfOgfG; ln=_ ?= ^),)),))).–



&_ Jofh cfDbfgL (Interest Income)

ljj/0f o; jif{ ut jif{ a[l4 Ü

C0f nufgLaf6 ?=,%,!%,^*,@$(.## ?= #,^&,^@,%&#.%( $)=@&Ü

cGo nufgLaf6 ?= $(,)^,&%&.@* ?= &*,$^,!@$.(@ –#&=$^Ü

hDdf ?= %,^$,&%,))^.^! ?= $,$^,)*,^(*.%! @^=^)Ü

*_ nfef+z (Dividend)

o; jif{ ;+:yfn] hDdf ?= !,$),$^,*%$.)$ d'gfkmf cfh{g ug{ ;kmn eO{ s/ jfkt\?= @*,)(,#&).*! a/fa/sf] /sd Joj:yf u/L ?= !,!@,#&,$*#.@# v'b jrt u/]sf] 5 . h;dWo]af6laleGg sf]ifx?df af+8kmf+8 u/L, s"n r'Qmf z]o/ k"FhLsf] !$ k|ltztsf b/n] nfef+z (14% Dividend

on Share Capital) lat/0f ug]{ k|:tfj o; ;fwf/0f ;efdf /fVb5' .

;+:yfn] cfly{s jif{ @)&@÷)&# leq ;DkGg u/]sf sfo{qmdx?sf] hfgsf/L lbg' kbf{ ut jif{@)&@ a}zfv !@ / @( sf] ljgf;sf/L e"sDk tyf dw]z cfGbf]ngsf sf/0f l;lh{t ;Ldfgfsfdf ePsf]cj/f]wsf sf/0f ef]Ug' k/]sf] cefj / ;d:ofsf afjh'b klg w]/} h;f] sfo{qmdx? ;DkGg ePsf 5g\eg] afFsL sfo{qmdx?nfO{ o; jif{ klg qmdzM cufl8 a9fO{ ;DkGg ug]{ nIo lnPsf 5f}+ . ;fy} cfufdLjif{ /ht hoGtL ;df/f]x cfof]hgf ul/g] ePsf]n] /ht hoGtLsf nflu s]xL laz]if sfo{qmdx? ;d]tk]z ug{ rfxG5f} .

cf=j= @)&#÷)&$ sf] nflu to ul/Psf efjL sfo{qmdx? lgDgfg';f/ /x]sf] Joxf]/f oxfFx?;dIf k|:t't ug{ uO/x]sf] 5' .

;+:yfsf] cf=j= @)&#.)&$ sf] nflu tof/ u/]sf] d'Vo sfo{qmdx? o; k|sf/ /x]sf 5g\ M

� ACCESS sfo{qmd cGtu{t Bronze Brand k|flKt x'g] 3f]if0ff eO;s]sf] cj:yfdf ;f] BrandpknlAwsf;fy} ;f]nfO{ sfod /fvL cem dflyNnf] Brand xfl;n ug{ nIo lgwf{/0f u/L sfo{qmdx? cufl8a9fpg] .

� ;+:yfdf a9L eGbf a9L hg;d'bfonfO{ cfj4 u/L ;+:yfsf] ;b:o ;+Vof ;do ;fk]If j[l4 ub}{nfg] .

� ;+:yfsf] k"FhL ;+/rgfnfO{ cem lj:tf/ u/L ;+:yfnfO{ ;'/lIft, ;an / ;'b[9 agfOg] .

� shf{sf] u'0f:t/df ;'wf/ ub}{ n}hfg] / shf{ lj:tf/sf] nflu cfjZos cWoog ug]{ .

� ;b:ox?sf] Sampling Survey sfo{qmdnfO{ lg/Gt/tf lbO{ pkof]uL 8f6fa]; agfOg] .

� gofF gLlt lgod, sfo{ljlwx? agfpg] / ;flas gLlt lgodx?nfO{ cfjZostf cg'?k kl/dfh{gub}{ hfg] .

� ;b:ox?sf] jrt /sd / ;+:yfsf] C0f nufgLnfO{ ;'/lIft agfpg jrt / C0f aLdfsf]cjwf/0ffnfO{ cl3 NofO{ ;f] ;DaGwL cWoog ug]{ .

� ;+:yf ;+rfngsf] l;nl;nfdf b]lvPsf hf]lvdx?sf] klxrfg, ljZn]if0f u/L ;f]nfO{ Go"gLs/0fug{ ;f] ;DaGwdf cfjZos gLlt lgdf{0f ug]{ .



� xfn e}/x]sf] k|ljlwnfO{ ;Dk"0f{ ;b:o dxfg'efjx?nfO{ k|of]u ug{ nufpg'sf ;fy} gofF gofFk|ljlw dfkm{t\ ;b:ox?nfO{ ;]jf lbg] .

� dfl;s ?kdf ;xsf/L lzIff ;DaGwL ljljw sfo{qmdx?, ;xsf/L lzlj/ sfo{qmdx?nfO{lg/Gt/tf lbO{ ;xsf/L lzIffnfO{ k|rf/ k|;f/ ug'{sf ;fy} ljleGg ljifo;Fu ;DalGwt hfgsf/Ld"ns sIffx? ;+rfng ug]{ .

� x:tsnf ;DaGwL ljleGg sfo{qmdx? cfof]hgf ug]{, d]nf sfo{qmdx?df efu lng] .

� ;xsf/L cWoog cjnf]sg e|d0f sfo{qmd cfof]hgf ug]{ .

� ;b:ox?sf] cfjZostf / ;'emfjsf cfwf/df tflnd sfo{qmdx?, cGt/lqmof÷uf]i7Lx? ;+rfngug]{ .

� ;ldlt, pk–;ldltsf ;b:ox?sf] ;fy} sd{rf/Lx?sf] ;Ifdtf ljsf;sf] nflu ljleGg Ifdtfclea[l4sf] tflnd sfo{qmdx? cfof]hgf ug]{ / cfof]hgf ePsf] tflnd sfo{qmddf ;xefuLtfhgfpg].

� afn tyf Ho]i7 gful/s jrt jrtstf{x?sf] nflu ljleGg sfo{qmd cfof]hgf ug]{ .

� ahf/ lj:tf/sf] nflu dWo:ystf{ x'g] lsl;dsf] sfo{qmd cfof]hgf ug]{ .

� laleGg ;+3÷;+:yf;Fu ;xsfo{ u/L sfo{qmd cfof]hgf ug]{ .

� /fli6«o tyf cGt/f{li6«o sfo{qmdx?df ;xefuL x'g] .

/ht hoGtL jif{sf] nflu tof/ ul/Psf] sfo{qmdx? o; k|sf/ /xsf] 5 .� /ht hoGtL :dfl/sf k|sfzg ug]{ .

� @% jif]{ Oltxf; af]s]sf] :sf]k 8s'd]G6«L tof/ ug]{ .

� ;b:ox?sf] kl/jf/df /x]sf # k6s hGs' -eLd/yf/f]x0f, b]j/yf/f]x0f, dxf/yf/f]x0f_;s]sfa[4a[4fx?nfO{ ;Ddfg ug]{ .

� pRr cf]xbfdf /x]sf :sf]k ;b:ox?nfO{ ;Ddfg ug]{ .

� @% jif{sf] cjlwdf laleGg kbdf a;L sfo{ Pj+ o; ;+:yfnfO{ o; cj:yf;Dd k'¥ofpg ;xof]uug{'x'g] ;b:o tyf z'elrGtsx?nfO{ ;Ddfg ug]{ .

� a[xt uf]i7L cfof]hgf ug]{ .

� pBd k|j4{g d]nfsf] cfof]hgf ug]{ .

cGTodf, cfufdL lbgdf klg ;+:yfnfO{ cem k|efjsf/L ?kdf cufl8 a9fpg ;Dk"0f{ ;b:odxfg'efjx? nufot ;DalGwt ;a} kIfaf6 ;Nnfx, ;xof]u / ;fy kfOg]5 eGg] ck]Iff ;lxt;rf+ns ;ldltsf kbflwsf/Lx? / ;b:ox?, n]vf ;ldltsf ;+of]hs / ;b:ox?, ;Nnfxsf/ju{, pk–;ldltsf ;b:ox?, Aoj:yfks Pj+ Aoj:yfkgsf ;Dk"0f{ sd{rf/Lx? nufot k|ToIf, ck|ToIf?kdf ;xof]u ug{' x'g] dxfg'efjx? tyf g]kfn ;/sf/sf] ;xsf/L ljefu, l8lehg ;xsf/L sfof{no,g]km\:s'g, lhNnf ;xsf/L ;+3 ln=, lhNnf jrt tyf C0f ;xsf/L ;+3 ln=, cGt/ ;DaGw ePsf;Dk"0f{ ;xsf/L ;+:yfx? Pj+ pk/f]Qm lgsfo tyf ;+:yfx?sf cfb/0fLo kbflwsf/LHo"x?df xflb{ss[t1tf 1fkg ub}{ ;Dk"0f{ dxfg'efjdf wGojfb lbb}+ o; k|ltj]bgnfO{ oxL+ lj;h{g ub{5' . wGojfb. ho ;xsf/L . ho :sf]k .



;+:yfn] cfly{s jif{ @)&@÷)&# Dff ;DkGg u/]sf ultljlwx?s_ ;b:o ;]jf cGtu{t

� ulDe/ k|s[ltsf la/fdL -ls8\gL, d'6' / SofG;/ /f]usf ulDe/ k|s[ltsf lj/fdL_ ;b:ox?nfO{xf};nf Pj+ 9f8; lbg ;+:yfsf kbflwsf/Lx? ;b:ox?sf] lgjf; d} uO{ :jf:Yo nfesf]sfdgf ;lxt lgodfg';f/sf] ;xof]u /sd k|bfg ul/Psf] .

� b]xfjzfg x'g] ;+:yfsf ;b:ox?sf] :d/0fdf ;+:yfsf kbflwsf/Lx? lgjf; d} uO{ d[ts;b:osf] kl/jf/nfO{ ;dj]bgf kq k|bfg ul/Psf] ;fy} lgodfg';f/sf] k'0o lqmof vr{k|bfg ul/Psf] .

v_ ;fd'bflos ;]jf cGtu{t

� ljZj zflGt k':tsfno;+u ;dGjo u/L /Qmbfg sfo{qmdnfO{ lg/Gt/tf lbOPsf] .� ljleGg ;fdflhs tyf ;fF:s[lts sfo{qmdx?sf] nflu ;xof]u ul/Psf] .

u_ k|rf/ k|;f/ cGtu{t

� leQ]kfqf] k|sfzgnfO{ lg/Gt/tf lbOPsf] .� SCOPE Note Book, Product Catalogue, Broucher, Flex Board, Website, Flyers,

SMS dfkm{t ;+:yfsf hfgsf/Lx? lbOPsf] .

� /fli6«o :t/sf ljleGg ;xsf/L a'n]l6g÷klqsfx? dfkm{t ;+:yfsf sfo{qmdx? k|rf/ k|;f/ul/Psf] .

� SCOPE APP sf] z'ef/De ul/Psf] .

-SCOPE APP x]g{sf] nflu M Play Store af6 Coop Khabar Download u/L SCOPE Saving and Credit Co-operative

Society Ltd. df Click ug'{xf];\_

3_ Joj:yfkg cGtu{t

� ;+:yfn] k|of]u ub}{ cfO/x]sf] Software af6 ;dofg's"n clwsQd nfe lng SoftwareProvider ;+u lgoldt ?kdf 5nkmn ub}{ cfO/x]sf] .

� ;b:onfO{ lbg] ;]jfnfO{ pknAwLd"ns / k|efjsf/L agfpg ljleGg jrtsf] Flyers, FlexBoard, Broucher, Product Catalogue tyf SCOPE Note Book tof/ ul/Psf] .

� ;+:yfsf] Website dfkm{t ljleGg ultljlwx?nfO{ ;b:ox? nufot /fli6«o tyf cGt/f{li6«o:t/df hfgsf/L k|jfx ul/Psf] .

� ;+:yfn] ;b:ox?nfO{ l56f] 5l/6f] ?kdf ;]jf lbg] p2]Zon] ljleGg sfof{no ;fdu|Lx? -3in 1 Canon Printer, Battery, Loose Cash Counting Machine, Fake Note DetectionMachine cflb_ vl/b ul/Psf] .

� hfnL gf]6 klxrfg, Accounting, C0f c;'nL ;DaGwdf sfg"gL ;jfn ljifos tflndx?df;+:yfsf sd{rf/Lx?nfO{ ;xefuL u/fOPsf] .



ª_ awfO{ tyf z'e–sfdgf sfo{qmd

� g]kfn x:tsnf dxf;+3sf] lgjf{rgdf ljleGg kbdf lgjf{lrt ;+:yfsf ;b:ox?sf] ;DdfgdfawfO{ tyf z'esfdgf sfo{qmdsf] cfof]hgf

� lhNnf ;xsf/L ;+3 ln= nlntk'/sf gjlgjf{lrt ;+rfns ;ldlt / n]vf ;ldltsf kbflwsf/LPj+ ;b:ox?sf] ;Ddfgdf awfO{ tyf z'esfdgf sfo{qmdsf] cfof]hgf

r_ afx\o ;+3÷;+:yf÷k|ltlglwx?af6 ;+:yfdf cWoog÷cjnf]sg e|d0f

� aflaofvs{ jrt tyf C0f ;xsf/L ;+:yf ln=, zflGtgu/, sf7df8f}+

� sNof0fsf/L jrt tyf C0f ;xsf/L ;+:yf ln=, n'e', n=k'=sf cWoIfHo"sf] ;+:yfdf e|d0f

� ;[hgf jrt tyf C0f ;xsf/L ;+:yf ln= alb{ofsf cWoIfHo"sf] ;+:yfdf e|d0f

� ldlnh'nL jrt tyf C0f ;xsf/L ;+:yf ln= rl/sf]6, bf]nvfsf cWoIfHo"sf] ;+:yfdf e|d0f

� JICA Nepal sf :jo+;]jssf] ;+:yfdf e|d0f

� International Cooperative Alliance (ICA) sf Asia Pacific If]qsf k|ltlglwx?sf] ;+:yfdfe|d0f

� Combodia sf ljQLo If]qdf cfj4 ldqx?sf] ;+:yfdf e|d0f

5_ ljleGg sfo{qmdx?sf] cfof]hgf÷;xeflutf

@# cf}+ :yfkgf lbj;÷/Qmbfg sfo{qmdldlt @)&@ efb| @@ ut] ;+:yfsf] @# cf}+ :yfkgf lbj;sf] cj;/ kf/L ljZj zflGt k':tsfno

/ o; ;+:yfn] ;+o'Qm ?kdf gsalxn, nlntk'/df /Qmbfg sfo{qmd cfof]hgf ul/of] . ;+:yfn] ;d'bfok|ltsf] lhDd]jf/LnfO{ dgg u/L /Qmbfg sfo{qmdsf] cfof]hgf ul/Psf] lyof] . pQm sfo{qmddf ;Nnfxsf/ju{, ;+rfns ;ldlt, n]vf tyf ;'kl/j]If0f ;ldlt, ;+:yfks ;b:ox?, ljleGg pk–;ldlt, Aoj:yfkg;d"x Pj+ k"j{ ;+rfns ;ldlt / k"j{ n]vf tyf ;'kl/j]If0f ;ldltsf ;b:ox? nufot g]kfn An88f]g;{ P;f]l;o;gsf cWoIf >L dx]Gb| ljnf; hf]zLHo"sf] pkl:ylt /x]sf] lyof] . pQm /Qmbfg sfo{qmddfhDdf %* hgfn] /Qmbfg u/]sf lyP .

@@ cf}+ jflif{s ;fwf/0f ;ef:sf]k jrt tyf C0f ;xsf/L ;+:yf ln= sf] @@ cf}+ jflif{s ;fwf/0f ;ef ldlt @)&@ cflZjg

@# ut] ;DkGg eof] . ;+:yfsf cWoIf >L clgn jL/ ah|frfo{Ho"sf] ;efkltTjdf ;DkGg ePsf] pQm;efsf k|d'v cltly ?b|j0f{ dxfljxf/, cf]s'axfnsf >4]o ykfcfh' >L bfg axfb'/ zfSoHo" /xg'ePsf] lyof] . hDdf @*@# ;b:o dWo] @%%# -()=#@Ü_ hgf ;b:osf] ;xeflutf /x]sf] pQm ;efdfpTs[i6 C0fL, pTs[i6 jrtstf{ tyf @)&! ;fnsf] P;= Pn= l;=df pTs[i6 x'g] ;b:o kl/jf/sf5fq 5fqfnfO{ ;Ddfg ul/Psf] lyof] . ;Ddfg s} qmddf ;+:yfsf ;b:o Pj+ b]zs} k/fDk/fut



wft'snfsf l;4x:t tyf /fi6«sf k|ltefzfnL d"lt{sf/ tyf l8hfOg/ >L /fh s'df/ zfSoHo"nfO{/fi6«sf] wft'snfsf] ;+/If0f ug'{sf ;fy} s}of}+ snfsf/x?nfO{ tflnd Pj+ /f]huf/L lbO{ pbfx/0fLosfo{ u/]afk6 ;+:yfn] ;Ddfg ul/Psf] lyof] . jflif{s ;ef sfo{qmddf ;+:yfsf afn jrtstf{x?sf]g[To klg ;dfj]z ul/Psf] lyof] . pQm ;ef k|yd ;q / bf]>f] ;q u/L b'O{ r/0fdf ;DkGg ul/Psf]lyof] . jflif{s ;fwf/0f ;efdf ;Ddfg ul/Psfx?sf] ljj/0f lgDgfg';f/ /x]sf] 5 .

;Ddfg ul/Psfx?sf] ljj/0fpTs[i6 C0fL

! rGb| dfof ah|frfo{, rfs'kf6 ;b:o g+= #)#

@ ;'/]z t08'sf/, rfs'kf6 ;b:o g+= ^**

# kljtf tfd|sf/, nugv]n ;b:o g+= !!%#

pTs[i6 lgoldt jrtstf{

!_ bfg s]z/L ah|frfo{, Gofvfrf]s ;b:o g+= !!$*

@_ z'qm /fh zfSo, xMvf ;b:o g+= @!^

#_ /fh sfhL zfSo, k"0f{r08L ;b:o g+= &(^

$_ u0f]z dfg 8+uf]n, ;ftbf]af6f] ;b:o g+= *&^

%_ lgd{nf ah|frfo{, cf]Daxfn ;b:o g+= $)(

pTs[i6 gf/L jrtstf{

!_ u+uf ah|frfo{, wkufn ;b:o g+= %^!

@_ rGb| b]jL wfVjf, rfs'kf6 ;b:o g+= !$!^

P;= Pn= l;= k/LIffdf pTs[i6 5fq 5fqf

!_ k|oTg ah|frfo{ -cleefjs >L tf/f ah|frfo{ ;=g+= @$$$_, jgut

@_ k|]/0ff zfSo -cleefjs >L k'ik zfSo, ;=g+= %#%_, y}gf

SWOT Analysis / SCOPE APP z'ef/De sfo{qmd

%( cf}+ /fli6«o ;xsf/L lbj;sf] z'e lbg ldlt @)&@ r}q @) ut] o; ;+:yfsf] ;jn kIf,sdhf]/ kIf, cj;/ / r'gf}tLx?sf] klxrfg ug{ SWOTAnalysis sfo{qmdsf] cfof]hgf ul/of] . ;+:yfsf;Nnfxsf/ju{ / lgjt{dfg cWoIfHo" ;xhstf{sf] ?kdf /xg' ePsf] pQm sfo{qmddf ;+:yfsf ;ldlt,pk–;ldlt, Joj:yfkg ;d"xsf ;b:ox?sf] ;xeflutf /x]sf] lyof] . pQm sfo{qmdsf] lgisif{sf]?kdf ;+:yfnfO{ b'/bzL{ ?kdf k|efj kfg]{ clwstd ljifoj:t'x? k|sfzdf cfPsf] lyof] . lgisif{dfcfPsf ljifoj:t'x?nfO{ cfwf/ dfg]/ ;+:yfsf] lqjlif{o -cfa= @)&#.)&$ b]lv @)&%.)&^;Dd_ sfo{of]hgf th'{df to ul/Psf] lyof] .

;f]lx lbg %( cf}+ /fli6«o ;xsf/L lbj;sf] pknIodf SCOPE APP z'ef/De sfo{qmd ;DkGg



ul/of] . g]kfn jrt tyf C0f s]lGb|o ;xsf/L ;+3 ln= -g]k\m:s"g_sf cWoIf >L Clif /fh l3ld/]Ho"sf] k|d'v cfltYoodf ;DkGg ePsf] pQm sfo{qmddf l8lehg ;xsf/L sfof{no, nlntk'/sfclws[t >L wd{ /fh /f]sfofHo", g]k\m:s"gsf ;+rfns Pj+ lbkfjtL ;fsf];sf cWoIf >L gfgL sfhLzfSoHo", cGt/ ;xsf/L ;'/If0f sf]ifsf cWoIfHo", ljleGg ;+3÷;+:yfsf cWoIf nufot k|ltlglwHo"x?,;+:yfsf ;Nnfxsf/ju{, ;ldlt, pk–;ldlt, Joj:yfkg ;d"xsf ;b:ox?sf] ;xeflutf /x]sf] lyof] .;+:yfn] cfk\mgf ;b:ox? nufot ;xsf/L If]qdf gljgtd k|ljlwaf6 ljleGg hfgsf/Lx? k|bfg ug]{p2]Zon] SCOPEAPP z'ef/De ul/Psf] xf] . SCOPEAPP;+rfngn] ;+:yfsf lqmofsnfkx? l56f]5l/6f],Jojl:yt / ;xh ?kdf ;b:ox? dfem k'Ug] ljZjf; lnPsf] 5 .

lqjlif{o sfo{of]hgf th'{df sfo{qmd;+:yfsf] cf=a= @)&#.)&$ b]lv @)&%.)&^ ;Ddsf] ljQLo sf/f]af/ / ljleGg sfo{qmdx?

th'{df ug{ lqjlif{o sfo{of]hgf tof/ ul/Psf] 5 . b'O{ r/0fdf ;DkGg ul/Psf] pQm sfo{of]hgfsf]k|yd r/0fsf] sfo{qmddf g]k\m:s"gsf k"j{ jl/i7 tflnd clws[t >L afa' /fd Gof}kfg]Ho" ;xhstf{sf]?kdf /xg' ePsf] lyof] . k|yd r/0faf6 lgl:sPsf lgisif{x?nfO{ cfwf/ agfP/ bf]>f] r/0fsf]sfo{qmd ;DkGg ul/Psf] lyof] . bf]>f] r/0fsf] sfo{qmd ldlt @)&# c;f/ !) / !! ut] ;DkGg ul/Psf]lyof] . ;+:yfsf kbflwsf/Lx?sf] ;+:yfut lhDd]jf/L, bfloTj ljifodf ;Nnfxsf/ >L lszf]/ efO{ah|frfo{Ho"sf] k|:t'tLaf6 z'ef/De ul/Psf] pQm sfo{qmddf ;+:yfsf ;Nnfxsf/ ju{, ;ldlt, pk–;ldlt/ Joj:yfkg ;d"xsf ;b:ox?sf] pkl:ylt /x]sf] lyof] . pQm lqjlif{o sfo{of]hgf th'{df sfo{qmdaf6to ul/Psf d'Vo d'Vo ljQLo ljj/0fx? lgDgfg';f/ /x]sf] 5 M

qm=;+= zLif{s @)&#÷)&$ @)&$÷)&% @)&%÷)&^!= ;b:otf j[l4 %%)) *))) !))))

@= z]o/ k"FhL ^,^),)),))).– (,(),)),))).– !!,%),)),))).–

#= jrt &&,!(,)),))).– (@,)),)),))).– !,)@,%),)),))).–

$= C0f nufgL &(,&%,)),))).– *#,$),)),))).– (#,&%,)),))).–

%= ;+:yfut k"FhL ^Ü &Ü *Ü

^= efvf gf3]sf] C0f $Ü #Ü #Ü

x:tsnf Jofkf/ d]nfdf ;xeflutfg]kfn x:tsnf dxf;+3sf] cfof]hgfdf ldlt @)&# a}zfv @# ut]b]lv @& ut];Dd ;DkGg

ePsf] !# cf}+ x:tsnf Jofkf/ d]nfdf ;+:yfsf] tkm{af6 b'O{ j6f :6n lnO{ ;xeflutf hgfOof] .;+:yfsf ;b:ox? dWo] x:tsnfdf cfa4 ;b:ox?sf] Joj;fo lj:tf/ tyf k|j4{g ug]{ p2]Zon];xefuL ePsf] pQm d]nfdf ;b:ox?åf/f pTkfbg ul/Psf x:tsnfsf ljleGg ;fdfu|Lx? -d"lt{snf,k|:t/snf, sfi7snf, rfFbLsf ;fdfg, kl:dgf, OToflb_ k|bz{gL tyf ljqmLsf] nflu /flvPsf] lyof] .o; k|sf/sf] d]nfdf ;xeflutfn] ;b:ox?sf] Joj;fo k|j4{g x'g'sf ;fy} ;+:yfsf] ljleGg ultljlwx?



af/] ;b:ox? nufot hgdfg;df hfgsf/L k|jfx ug{ d2t ldn]sf] 5 . ;+:yfsf] lgoldt sfo{qmdcGtu{t /x]sf] o; k|sf/sf d]nfx?df cfufdL lbgdf klg ;xefuL x'g] of]hgf /x]sf] 5 .

pTs[i6 ;xsf/L Joj;fo k'/:sf/ @)&@ k|fKt/fli6«o ;xsf/L ;+3 ln= n] ldlt @)&# cfiff9 !* ut] ;DkGg ePsf] ($ cf}+ cGt/f{li6«o

;xsf/L lbj;sf] cj;/df o; ;+:yfn] ;b:ox? nufot ;d'bfodf k'¥ofO{ /x]sf] of]ubfgsf] sb/ub}{ o; ;+:yfnfO{ pTs[i6 ;xsf/L Joj;fo k'/:sf/ @)&@ af6 k'/:s[t ul/Psf] 5 . pTs[i6;xsf/L Joj;fo k'/:sf/ @)&@ k|fKtL kl5 o; ;+:yfn] ;b:ox? / ;d'bfo dfem cfk\mgf] lhDd]jf/Lcem ylkPsf] dxz'; ul/Psf] 5 . cfufdL lbgdf ;+:yfn] ;b:ox? nufot ;d'bfodf cfk\mgf;]jfx?nfO{ cem kl/is[t ?kdf k|bfg ub}{ hfg] ;+:yfsf] of]hgf /x]sf] 5 .

/fi6«sf] pTs[i6 ;xsf/L ;+:yf 3f]if0ff;+:yfn] ;b:ox?sf] ;fdflhs, cfly{s ljsf; Pj+ ;d'bfosf] ljsf;sf] nflu ul/Psf]

ljQLo s[ofsnfk nufot ljleGg sfo{x?sf] d"Nof+sg ub}{ g]kfn jrt tyf C0f s]lGb|o ;xsf/L;+3 ln= n] cfk\mgf] @( cf}+ :yfkgf lbj;sf] ;'cj;/df o; ;+:yfnfO{ /fi6«s} pTs[i6 jrt tyf C0f;xsf/L ;+:yf 3f]if0ff ul/Psf] 5 . /fi6«sf] pTs[i6 ;xsf/L ;+:yf 3f]if0ffn] ;b:ox? / ;d'bfok|ltsf] lhDd]jf/L yk a9\g'sf ;fy} ;+:yfn] uf}/jsf] cg'e"lt klg ul//x]sf] 5 . o; ;+:yf pTs[i6;xsf/L ;+:yf 3f]if0ff x'g'df ;Dk"0f{ ;b:ox?sf] of]ubfg /x]sf] 5 . o; ;'vb cj;/df ;Dk"0f{ ;b:ox?,;xsf/L If]qdf cfj4 ;Dk"0f{ ;xsf/LsdL{ ldqx? nufot ;Dk"0f{ dxfg'efjx?nfO{ awfO{ lb+b} cfufdLlbgdf cem :t/Lo / gljgtd ;]jf lbg] ;+:yfsf] of]hgf /x]sf] 5 .

cGt/f{li6«o :t/sf] ACCESS Brand k|fKt;+:yfn] cfk\mgf ;b:ox?nfO{ pTs[i6, ;'/lIft / gljgtd k|ljlwaf6 ;]jf lbg] p2]Zon]

ACCU (Association ofAsian Confederation of Credit Unions)åf/f ljsf; ul/Psf] ACCESS(A1 Competitive Choice for Excellence in Service and Soundness) sfo{qmddf ljut % jif{b]lv ;xefuL eO{ lg/Gt/ ?kdf ACCESS Review Meeting, ACCESS Onsite Diagnosissfo{qmdx?df ;xefuL x'Fb} cfO/x]sf] 5 . o;} qmddf ldlt @)&@ kf}if @# ut] ACCU sf CEOMs. Elenita V San Roque (Leni) af6 o; ;+:yfdf Final Audit sf] sfo{ ;DkGg u/L ;f]lxFinal Audit nfO{ s]Gb|df /fvL ACCU n] o; jif{ o; ;+:yfnfO{ ACCESS Brand (Bronze)lbOPsf] 5 . ACCESS Brand k|fKtLn] ;+:yfn] uf}/jsf] cg'e"lt ug'{sf ;fy} ;b:ox? k|ltsf] bfloTj/ lhDd]jf/Lx? yk a9\g uPsf] dxz'; ub}{ cfufdL lbgdf cem :t/Lo, ;'/lIft / pTs[i6 ;]jf lbgsf]nflu ACCESS sf ;"rsx?nfO{ cem ;Gt'lnt ?kdf sfof{Gjog u/L ;+:yfnfO{ lbuf] / ;'/lIft?kdf ;+rfng ul/g]5 . cGt/f{li6«o :t/sf] ;f] Brand k|fKtLsf] uf}/jk"0f{ cj;/df ;+:yfsf ;Dk"0f{;b:ox?, ;xsf/L If]qdf cfj4 ;Dk"0f{ ;xsf/LsdL{ ldqx? nufot ;Dk"0f{ dxfg'efjx?nfO{ awfO{lbg'sf ;fy} cfef/ klg k|s6 ul/Psf] 5 .



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;b:ox? dWo] o; ;+:yfsf ^ hgf ;b:ox? dxf;+3sf] cWoIf nufot ljleGg kbdf lgjf{lrtePsf] v'lzofnLdf lgjf{lrt x'g] ;+:yfsf ;b:ox?sf] ;Ddfgdf ldlt @)&@ df3 @# ut] awfO{ tyfz'esfdgf sfo{qmd cfof]hgf ul/of] . pQm sfo{qmddf g]k\m:s"gsf pkfWoIf, lhNnf ;xsf/L ;+3ln= n=k'=sf cWoIf nufot kbflwsf/Lx?, cGt/ ;xsf/L ;'/If0f sf]ifsf cWoIf nufot ;f] sf]ifdfcfa4 ;+:yfsf cWoIf nufot k|ltlglwx?, ;+:yfsf ;Nnfxsf/ju{, ;ldlt, pk–;ldlt, Joj:yfkg;d"xsf ;b:ox?sf] ;xeflutf /x]sf] lyof] .

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ACCESS Branding sfo{qmd jrt tyf C0f ;xsf/L ;+:yfx?nfO{ Jojl:yt, ;'/lIft /pTs[i6 ?kdf ;+rfng ug{sf] nflu Association of Asian Confederation of Credit Unions (ACCU)

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h;/L dfgj z/L/df ljleGg tTjx? :j:y ?kdf lqmoflzn /xg plrt / ;Gt'lnt ;ld>0fsf]cfjZos 5 To:t} ;xsf/L ;+:yfx? klg ;b:o ;]jf, ljQLo :j:ytf, Joj;flostf / l;sfO{sfIf]qx?sf] plrt / ;Gt'lnt ;ld>0faf6 dfq pTs[i6 ?kdf ;+rfng x'g] s'/fdf ACCESS n] ljz]if?kdf hf]8 lbPsf] 5 . ACCESS n] ljz]iftM lgDg k|d'v $ b[li6sf]0fx?nfO{ ;d]l6Psf] 5 . oL $b[li6sf]0fx? dWo] ljQLo b[li6sf]0fdf !# j6f ;"rs, ;b:o b[li6sf]0fdf @& j6f ;"rs, cfGtl/sJofj;flos b[li6sf]0fdf @^ j6f ;"rs / l;sfO{ tyf ;Da[l4 b[li6sf]0fdf @) j6f ;"rs u/L hDdf*^ j6f ;"rsx? ;dfa]z /x]sf] 5 . *^ j6f ;"rsx?df klg k|To]s ;"rsx?nfO{ pQd, c;n,pko'Qm / sd;n u/L 5'6\ofOPsf] 5 .

ACCESS n] ;d]l6Psf rf/ b[li6sf]0fx? lgDgfg';f/ 5g\ M

!_ ljQLo b[li6sf]0f (Financial Perspective) M

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Growth -a[l4sf] ;+s]6_ sf] ;Gt'lnt a[l4df hf]8 lbPsf] 5 .

@_ ;b:o b[li6sf]0f (Member Perspective) M

;b:o b[li6sf]0f cGtu{t u'0f:t/Lo pTkfbg / ;]jfx? tyf ;b:ox?sf] rfxgf / ;Gt'li6nfO{k|fyldstf lbOPsf] 5 . o; b[li6sf]0f cGtu{t pTkfbg tyf ;]jfsf] p2]Zo, k|:t'lt÷>[+vnfdf Wofg lbg'sf;fy} k|lts (Brand) af/]sf] dgl:yltdf klg ljz]if hf]8 lbPsf] 5 . o;sf cltl/Qm wg ;DklQ >[hgf ug]{pTkfbgx?, Ifdtfdf cfwfl/t nufgL, kx'Fr tyf ;'ljwf, d"No dxTj / ahf/ k|j4{g af/]df klgWofg lbOPsf] 5 . To:t} pTs[i6 ;b:ox?nfO{ k|f]T;fxg / ;Ddfg ug'{sf ;fy} ;b:ox? af/] k"0f{1fg x'g' kg]{, pgLx? ;+u ;'dw'/ ;DaGw :yfkgf ug'{sf ;fy} ;b:ox?sf] ;Gt'li6df klg hf]8lbOPsf] 5 . o;sf cltl/Qm ;+:yfk|lt ;b:ox?sf] ;fldKotf, pgLx?nfO{ ul/g] ;+:yfut Jojxf/sf;fy} ;b:ox?n] kfpg] nfeaf/] klg pNn]v ul/Psf] 5 . To:t} jflif{s ;fwf/0f ;ef tyf cGo

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sfo{qmdx?df lgoldttf, of]hgf tyf gLlt lgdf{0fdf ;b:ox?sf] ;xeflutfsf ;fy} ;b:ox?n] wg>[hgf x'g] pTkfbgx?sf] k|of]u, C0fsf] plrt k|of]u ;DaGwdf klg pNn]v ul/Psf] 5 . k|ljlw tkm{Email, Telephone, Fax, Computer application, Networking, SMS, Website, OToflb k|ljlwx?k|of]u u/L ;b:ox?sf] ljj/0f (Data) nfO{ cBfjlws ug]{df klg ljz]if hf]8 lbOPsf] 5 .

#_ cfGtl/s Joj;flos b[li6sf]0f (Internal Business Perspective)

cfGtl/s Joj;flos b[li6sf]0fdf ;+:yfn] gLlt lgodx?, sfo{ljlwx? Pj+ nIo tyf k|0ffnLx?ljsf; u/L ;f]lx cGtu{t /xL sfo{x? ;Dkfbg ug'{ kg]{ pNn]v u/]sf] 5 . o; cGtu{t ;+:yfsf]ljleGg gLlt tyf sfo{ljlwx? lgdf{0f, sd{rf/Lx?sf] pTkfbsTj, uNtL Joj:yfkg, ;b:ox?nfO{ lbOg]jrt tyf C0fsf] ;]jf, sfof{no ;fdfu|Lx?sf] pkof]u, cfGtl/s ;+rf/sf] k|s[of, b"/b[li6 (Vision)

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$_ l;sfO{ tyf ;Da[l4 ;DaGwL b[li6sf]0f (Learning & Growth Perspective)

l;sfO{ tyf ;Da[l4 ;DaGwL b[li6sf]0f cGtu{t g]t[Tjdf /xg] ;+rfnsx? hfg] a'em]sf tyf ;lqmox'g'kg]{, pgLx? d'Vo lg0f{o s]Gb|sf] ?kdf /xg' kg]{, k|ltsfTds / pbfx/0fLo x'g' kg]{, lzIff lbg] ufO8sf]?kdf /xg' kg]{sf ;fy} pgLx?sf] sfo{ ljZj;gLo Pj+ pbfx/0fLo x'g' kg]{ /x]sf] 5 . o;sf cltl/Qmg]t[Tj k+lQmdf n}lËs ;dfgtfnfO{ ljz]if ?kdf hf]8 lbOPsf] 5 . To:t} sd{rf/Lx? hfu?s,OdfGbf/ tyf ;Ifd x'g' kg]{ nufot pgLx?sf] lgo'lQm, sfo{ ljj/0f, sfo{ ;Dkfbg, d"Nof+sg tyfxhf{gf ;DaGwdf klg Wofg lbOPsf] 5 . ;fy} pgLx?sf] j[lQ ljsf; tyf tflnd sfo{qmdx?sf]nflu klg hf]8 lbOPsf] 5 .

ACCESS sf pNn]lvt rf/j6f b[li6sf]0fx?nfO{ ;Gt'lnt / Jojl:yt ?kdf Joj:yfkg ug{;lsof] eg] k|To]s ;xsf/L ;+:yf klxnf] /f]hfO{sf] ;xsf/L ;+:yf x'g]5 . oL ;xsf/L ;+:yfx?n];b:ox?nfO{ lbg] ;]jfx? pTs[i6, :t/Lo / ;'/lIft x'g]5, olx g} ACCESSsf] ;lx pknAwL / k|ltkmnx'g]5 .

;xsf/L ;+:yfx?n] ;Gt'lnt / lgod;+ut tl/sfaf6 sfo{x? ;Dkfbg ug{ ;s] ;+:yf;Ifd / :t/Lo x'g ;Sg] lgisz{ lnO{ ACCU n] ACCESS sfo{qmdsf] ljsf; u/]sf] xf] .g]kfnsf] ;Gbe{df o;nfO{ lj:tf/ ug{ g]kfn jrt tyf C0f s]lGb|o ;xsf/L ;+3 ln=-g]k\m:s"g_n] ljz]if ?kdf lhDd]jf/L lnPsf] 5 . o; ;+:yfn] ACCESS df cfa4 x'g ldlt @)^* h]i7!@ ut] g]k\m:s"g ;+u ;Demf}tf u/]sf] 5 eg] sl/a % jif{sf] cys k|of; / d]xgt kl5 o; jif{ACCU n] o; ;+:yfnfO{ ACCESS Branding sfo{qmd cGtu{t ACCESS Bronze k|bfg u/L pTs[i6;+:yfsf] ?kdf k|dfl0ft u/]sf] 5 . of] uf}/jk"0f{ pknAwL xfl;n ug{ ;kmn ePsf]df ;Dk"0f{ ;b:ox?dfxflb{s awfO{ Pj+ cfef/ k|s6 ub{5f}+ . cfufdL lbgdf klg ;b:ox?sf] lgoldt ;xof]u / ;fy/xg] 5 eGg] ck]Iff ;lxt ;+:yfn] ACCESS sf] pknAwLsf] lg/Gt/tfnfO{ sfod /fvL /fVg] 5f}+ eGg]ljZjf; lbnfpg rfxG5f}+ . wGojfb .



n]vf tyf ;'kl/j]If0f ;ldltsf] tkm{af6cf= a= @)&@÷&# sf] nflu ;+of]hs

>L cfgGb aL/ ah|frfo{Ho"åf/f k|:t't k|ltj]bg

o; :sf]k jrt tyf C0f ;xsf/L ;+:yf ln=sf] cfhsf] @# cf} jflif{s ;fWff/0f ;Effsf ;efkltHo",

cfhsf] ul/dfdo ;efsf k|d'v cltlyHo", ljleGg ;+:yfaf6 kfNg' ePsf cltly dxfg'efjx?, kqsf/

ldq, ;+:yfsf ;Nnfxsf/ju{, lg= cWoIfHo", e'=k"= cWoIfHo"x?, ;+Rffns ;ldltsf ;b:ox?, Joj:yfkg

;d"xsf ;b:ox? nufot ;Dk"0f{ pkl:yt ;b:o dxfg'efjx?df n]vf tyf ;'kl/j]If0f ;ldltsf] tkm{af6

/ d]/f] AolQmut tkm{af6 klg xflb{s clejfbg Jotm ub{5' .

cfh n]vf ;ldltsf] tkm{af6 n]vf ;+of]hssf] ?kdf cf=j= )&@÷)&# sf] n]vf k|ltj]bg k|:t't

ug]{ ;'cj;/ kfPsf]df uf}/jflGjt dxZf'; eO/x]sf] 5 . cfb/0fLo ;b:o dxfg'efjx? tkfO{x? s} dfof

/ ljZjf;n] :yfkgfsfn b]lv o'jf g]t[Tjdf x'ls{b} oxfF;Dd cfOk'u]sf] o; ;+:yfn] cfh @# cf+} a;Gt

kf/ ul/;s]sf] tkfO{x?nfO{ ljlbt} 5 . ;j{k|ydtM ;+:yfsf] 7"nf] nufgL / ;do nfu]sf] ePtfklg

ACCESS BRANDING sfo{qmd cGtu{t o; jif{ ;+:yfn] ACCU sf] tkm{af6 Bronze Brand k|fKt

ug{ ;kmn ePsf]df n]vf ;ldltsf] tkm{af6 ;+:yfsf ;a} kIfnfO{ xflb{s awfO{ 1fkg ug{ rfxG5' .

;xsf/Lsf d"n l;4fGt k|hftflGqs, ;fdflhs / cfly{s kIf h:tf d"n dGqdf cfWffl/t

/lx ;xsf/L P]g @)$* sf] bkmf !& df / dfkb08 @)^* df lgb]{lzt Joj:yf cg'?k n]vf ;ldltn]

;+:yfsf] cfGtl/s n]vf kl/If0f Pj+ cg'udg ub}{ cfly{s kf/blz{tf / ;'zf;g sfod /fVgdf e"ldsf

v]Nb} cfO /x]sf] s'/f hfgsf/L u/fpg rfxG5' . n]vf ;ldltsf] cfk\mgf] uxg bfloTj cGtu{t ;+:yfsf]

;Dk"0f{ ;DklQx?sf] ;+/If0f, ;Dk"0f{ ljQLo / C0f sf/f]af/ ;DaGwdf, ;+:yf ;+rfng k|lqmof / gLlt

lgodx? ;DaGwdf, ;+rfns ;ldlt / ;a} pk–;ldltx?sf] sfo{ ;Dkfbg cflbdf cfwfl/t eO{ cg'udg

Pj+ ljZn]if0fAff6 k|fKt xfd|f lgisif{x?nfO{ aF'bfut ?kdf tkfO{x? ;dIf k|:t't ug]{ cg'dlt rfxG5' .

!_ ldlt @)&@.^.@# ut] ;DkGg ;+:yfsf] @@ cf+} jflif{s ;fwf/0f ;efsf] lg0f{ox?sf] sfof{Gjog ;DaGwdf

d"Nof+sg ug'{ kbf{ ;efdf ljleGg !) j6f k|:tfjx?df 5nkmn eO{ lg0f{o ePsf]df ;a} lg0f{ox?

sfof{Gjog ePsf] kfO{of] .

@_ cf=a= @)&@.)&# df ;+rfns ;ldltsf] hDDff @# k6s a}7s a;]sf] b]lvG5 eg], ljleGg ldltdf

u/]sf] clwsf+z lg0f{ox? sfof{GJfog ePsf] b]lvG5 .

Uft jif{ b]zdf uPsf] dxfe"sDksf] kL8f xfdL aLr cfn} /x]sf] afjh'b klg ;+:yfn] ut jif{ lnPsf]

d'gfkmf nIf ?= !,#&,^^,&)).)) /fv]sf]df oyfy{df ;+rfng d'gfkmf hDdf ?= !,$),$^,*%$.)$ cfh{g

ug{ ;kmn ePsf] b]lvG5 . cf=a= @)&@÷)&# sf nflu ;+:yfn] $))) ;b:o k'¥ofpg] nIo /fVf]sf]df

o; jif{ hDdf ##*& dfq ;b:o agfpg ;kmn ePsf] b]lvG5 . :+f:yfsf] Liqudity -t/ntf_

/ Loan loss Provision (P1+P2) df s]xL a9f]Q/L eO/x]sf] b]lvG5 . o; jif{ z]o/ /sd



?= $,($,(&,#)).– k'u]sf] b]lvP tfklg s'n sf/f]af/ /sd klg a[l4 eP/ ?= ^$,#$,$(,@&#.–

;Ddsf] b]lvPsf]n] eljiodf klg cfly{s ;Gt'ng sfod /fVg] r'gf}tL ljBdfg g} /x]sf] b]lvG5 .

o; jif{ ;+:yfut k"FhL ? #,^#,@@,**&.!) /x]sf] 5 eg] delinquent C0f ? *&,#(,^^!.^* /x]sf]

b]lvG5 . To;}n] ;+:yfn] cfufdL lbgx?df klg ;'/lIft nufgLsf If]qx? Tfkm{ ljz]if Wofg lbg'

kg]{ b]lvG5 . cfly{s ;DaGwL lj:t[t ljj/0f sf]iffWoIfsf] k|ltj]bgdf /xg] ePsf]n] o; ljifodf

oxL 6'+Uofpg rfxG5' .

#_ C0f nufgL ;DaGwdf ;+:yfsf] gLltdf cfwfl/t eO{ lwtf] kof{Kttfsf] cfwf/df lbg] u/]sf] kfOof]

/ cfjZos ;'/If0fsf nflu 3/ hUuf b[li6aGwsL u/L nufgL u/]sf] kfOof] . s]xL k''/fgf C0fx?

;Df:ofdf /x]sf] b]lvG5 eg] o:tf C0fx?sf] ;DaGwdf ;+:yfsf] gLltdf Joj:yf eP cg'?k

cfjZos k|lqmof ckgfpg n]vf ;ldlt ;'emfj ub{5 .

$_ ;DalGwt lgsfox? / ;xsf/L laefuaf6 hf/L ul/Psf dfkb08x?sf] kfngf ePsf] kfOof] .

;+:yfn] o;} jif{ /fli6«o ;xsf/L ;+3af6 pTs[i6 ;xsf/L k''/:sf/ @)&@ / g]km:s"gsf] tkm{af6

b]zs} pTs[i6 jrt tyf C0f ;xsf/Lsf] ?kdf ;Ddflgt x'g] pknlAw xfl;n ePsf] 5 . h;af6

xfdLnfO{ yk uxg / lhDd]jf/ agfPsf] dx'z; x'G5 .

%_ o; cf=a=df ;xsf/L sfof{no, ljefu jf ;DalGwt lgsfox?af6 s'g} lsl;dsf] cg'udg jf ljz]if

lgu/fgL / lgb]{lzt ul/Psf] kfO{Pg . o;} jif{ ACCESS BRANDING sfo{qmd cGtu{t dfq

final Audit ;DkGg ePsf] b]lvG5 .

^_ tna eQf ;DaGwdf Kfbflwsf/Lx?Nf] s'g} lsl;dsf] kfl/>lds lng] u/]sf] kfOPg eg] ;+:yfsf]

ljlgoddf Joj:yf eP cg'?k Go"gtd eQf / kl/jxgsf] dfq Joj:yf /x]sf] hfgsf/L u/fpg

rfxG5' .

&_ sd{rf/L k|zf;g lgodfjnLsf] Joj:yf /x]sf] ;fy} cGo cfjZos ;a} gLltx?sf] ;+rfns ;ldltaf6

cg'df]bg eO{ kl/dfh{g ;lxt s]lx jrt gLltx? / C0f gLlt o; aif{ kl/dflh{t ul/Psf] b]lvG5 .

sd{rf/L egf{ k|s[ofsf] ;Dk"0f{ Joj:yf lgodfjnLd} ePsf] b]lvG5 .

*_ n]vf ;ldltn] lautdf lbPsf ;'emfjx?sf] sfof{Gjogsf] cj:yf ;DaGwdf s]xL ;'emfjx? afx]s

;a} sfo{fGjog ePsf] kfO{of] .

(_ n]vf ;ldltn] pNn]v ug{ rfx]sf yk ljifox?,

s_ ;b:ox?sf] ;"rgfsf] xs ;DaGwdf ;+:yfdf ljBdfg ;+oGqx?nfO{ k"0f{ Ifdtfdf kl/rfng ug]{

;DaGwdf plrt sbd rfNg ;'emfj k]z ug{ rfxG5' . ljz]]ift ;+:Yffsf] k':tsfnonfO{ sfo{ljlw

agfO{ ;b:ox?sf lglDt ;xsf/L lzIff / cWoog s]Gbsf] ?kdf lasf; ug{ / ScopeApps,scope web/facebook, SMS Banking cflbsf] k"0f{ Ifdtfdf ;+rfng ub{} ;Dk"0{f ;b:ox?;dIf kx'Fr k'¥ofpg] tkm{ ljz]if Wofg lbg' kg]{ b]lvG5 .

v_ ;+:yfsf] lbuf] ljsf;sf] nflu xfdL aLr slxNo} ;}4flGts ljrng gcfcf];\ eGg] tkm{ ;b}j ;a} ;r]t



eO/xg' h?/L 5 . ;+:yfsf] ljleGg ;ldlt tyf pk–;ldltsf] kbx? wf/0f u/]sf kbflwsf/Lx? aLr

/x]sf] ;dembf/L, ;dGjo / ;fd~h:otfnfO{ cem ;'b[9 agfO{ lhDd]jf/L axg ug'{kg]{ xfd|f] a'emfO{ /x]sf]

5 eg] ;+:yfsf] ultljlw / sf/f]af/df cfPsf] a[l4 cg';f/ gofF gLlt lgodx?sf] k|ltkfbgsf] ;fy}

;do;fk]If ;fljssf gLlt lgodx?df kl/dfh{g u/L ;f]xL gLlt lgod / Joj:yfsf] clwgdf /xL

xfdLn] sfo{ ;Dkfbg u/L cufl8 a9\g' h?/L 5 . ;fy} ;+:yfsf] cfGtl/s lgoGq0f k|0ffnLnfO{ cem

a9L ;'b[9 / k|efjsf/L agfpg ;'emfj lbg rfxG5' .

Uf_ :sf]k ;xsf/Lsf] lbuf]kg / eljiosf] a[xt\ :j?k b[li6ut ubf{ cfufdL lbgdf Merger / unificationsf cjwf/0ffx?nfO{ 5nkmnsf] ljifo agfpb} cl3 a9\g] pQd ;do cfO;s]sf] n]vf ;ldltsf] a'emfO

/x]sf] 5 .

3_ cfufdL ;dodf n]vf ;ldltsf] cfGtl/s cg'udg / lgl/If0f sfo{nfO{ cem k|efjsf/L agfpgsf] nflu

cfjZos kg]{ ljleGg k"jf{wf/x?sf] Joj:yfsf] nflu klg d ;+:yfsf ;DalGwt ;a}nfO{ cfu|x ug{

rfxG5' .

!)_ n]vf ;ldltsf ;'emfjx?,

s_ ut jif{sf] k|ltj]bg dfk{mt\ jrt tyf C0f ;xsf/Lsf] ljsf; tyf k|rf/ k|;f/ ug{ ljQLo ;fIf/tf

(Financial Literacy) sf] sfo{qmd ;+rfng / ;+:yfsf] ljleGg lqmofsnfkdf b]lvPsf hf]lvdx?nfO{

Go'gLs/0fsf] nflu hf]lvddf cfwfl/t Joj:yfkg (Risk based management/monitoring) sf

cjwf/0ffx?sf] s'/f p7fOPsf]df pQm ljifox?nfO{ k|fyldstf lbO{ cl3 a9\g ;+rfns / Joj:yfkgsf

;b:ox?nfO{ n]vf ;ldlt ;'emfj ub{5 .

v_ ;+:yf PlzofnL dfk80bsf] ;+3f/df ple/xbf ;+:yfn] ;DkGg u/]sf sfo{x?sf] ;do ;dodf ;'Id

d"Nof+sg / ;dLIff ug]{ tkm{ yk Wofg lbg / cfGtl/s Joj:yfkgdf yk r':tb'?Zt Nofpg klg

n]vf ;ldlt ;'emfj ub{5 .

u_ ;+:yfn] ;do ;dodf ckn]vg ul/Psf C0fx?sf] cg'udg ug{ / o; jif{ ckn]vg ul/Psf] ;DklQnfO{

l5§} Joj:yfkg ug{ n]vf ;ldlt ;'emfj ub{5 .

3_ :+f:yfn] o;} jif{ k|fKt dfly pNn]lvt tLgj6f pknlAwx?nfO{ ;a} ;b:o dfem phfu/ x'g]vfn]

sfo{qmd Nofpg ;DalGwt ;a} kIfsf] Wofg cfsif{0f ug{ rfxG5' .

cGtdf, cfhsf] o; ;efsf ;Dk"0f{ ;b:o dxfg'efjx?df ljz]if cg'/f]w s] ug{ rfxG5' eg] ;fwf/0f

;ef eg]sf] tkfO{x?sf] lbg xf] / tkfO{x?s} ;xL dfu{ lgb]{zgdf dfq ;+:yfsf] lbuf]kg cfwfl/t /xg] x'G5

eGb} ;+:yfnfO{ yk prfO{ / kl/0ffdd"vL Afgfpg k|d'v bfloTj xfdL ;a}df /x]sf] hfgsf/L u/fpg rfxG5' .

;+:yfsf sdL sDfhf]/L eP ;DalGwt kIfnfO{ hfgsf/L u/L lbgx'g / /fd|f kIfx?nfO{ c?x? dfem km}nfO{ lbgx'gn]vf ;ldlt xflb{s cg'/f]w ub{5 . o; n]vf ;ldltsf] sfd / st{JonfO{ b'?:t lgjf{x ug{ ;xof]u ug]{

;+rfns ;ldlt, Joj:yfkg ;d"x nufot o; n]vf ;ldltsf ;b:o ;fyLx? >L ;lagf zfSo / >L lagf]b

/Tg ah|frfo{Ho"nfO{ klg ljz]if wGojfb lb+b} of] k|ltj]bg 6'ª\Uofpg rfxG5' . wGojfb . ho ;xsf/L .

ho :sf]k .



:sf]k jrt tyf C0f ;xsf/L ;+:yf ln=sf]@#cf}+ jflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6

;+:yfsf sf]iffWoIf >L wd{ /Tg zfSoHo"af6 k|:t't

cf=a= @)&@÷)&# sf] cfly{s k|ltj]bgcfhsf] o; ul/dfdo @# cf}+ aflif{s ;fwf/0f ;efsf cfb/0fLo ;efklt

Pj+ ;+:yfsf cWoIfHo", k|d'v cltyLHo", cltyLju{, ljleGg ;+3 ;+:yfaf6 kfNg'ePsf cWoIf nufot k|ltlgwLHo"x?, ;Nnfxsf/ju{Ho", k"j{ cWoIfHo"x?, kqsf/ju{,;ldlt, pk;ldltsf ;fyLx?, sd{rf/Lju{ tyf pkl:yt ;Dk"0f{ ;b:o dxfg'efjx?df d]/f] tk{maf6xflb{s :jfut Pj+ clejfbg 6q\mofpg rfxG5' .

;+:yfsf] ljQLo ;'/Iff, :j:ytf / ;b:ox?nfO{ pTs[i6 ;]jf k|bfg ug]{ p2]Zon] ACCUaf6 ljsf; ul/Psf] ACCESS Branding sfo{qmd cGtu{t ACCESS Bronze k|flKtsf] nflu x/]sIf]qaf6 ;xof]u ug'{ePsf ;Nnfxsf/ju{Ho", ;ldlt, pk–;ldlt, sd{rf/Lx? Pj+ ;Dk"0f{ ;b:oHo"x?dfxflb{s cfef/ k|s6 ug{ rfxG5' . ;+:yfdf cfa4 ;a}sf] ;xof]u, ;fy / ;dGjon] ;+:yfn] ul/dfdoACCESS Bronze k|fKt ug{ ;kmn ePsf] ;a}df hfgsf/L ug{ rfxG5' .

;+:yfn] t]O; jif{ kf/ ul/;s]sf] o; cj:yfdf ;+:yfsf] cfly{s ultljlwsf] oyfy{ lrq0foxfFx? ;dIf k]z ug{ kfpFbf dnfO{ Hofb} uj{ nfu]sf] 5 . cfly{s jif{ @)&@÷)&# sf] cGt;Dddf v'bC0f s'n ;DklQsf] &@=)!Ü, ;+:yfut k"FhL %=^%Ü tyf v/fa C0f s'n C0fsf] !=*& /x]sf] 5 .h'g PEARLS cg'udg k2lt cg';f/ v'b C0f @*=%*Ü, ;+:yfut k"FhL @*=##Ü n] a[l4 ePsf] 5 eg]v/fa C0f ut jif{sf] eGbf @!=(*Ü n] a[l4 ePsf] 5 . t;y{ cfufdL lbgdf v'b C0f / ;+:yfutk"FhLnfO{ qmlds ?kdf a[l4 ug'{ kg]{ b]lvG5 eg] v/fa C0fnfO{ 36fpFb} nUg' kg]{ b]lvG5 .

cf=a= @)&@÷)&# sf] ljQLo ljj/0f cg';f/ cf=a=sf] cGt;Dddf z]o/ k"FhLdf #)=#$Ü n]a[l4 ePsf] 5 / s"n ;DklQ klg @(=(*Ü n] a[l4 eO{ ?= ^$,#$,$(,@&#.^) k'u]sf] 5 . ;b:o;+Vof !(=(*Ü n] j[l4 eO{ #,#*& hgf k'u]sf] 5 . eg] lgIf]k tk{m utjif{sf] eGbf @*=(^Ü a[l4 eO{%#,@(,$&,!$#.*^ k'u]sf] 5 . C0f tk{m @*=^@Ü n] a[l4 eO{ $^,^&,#%,(!@.#! k'u]sf] 5 . jrt /C0fsf] cg'kft !)).*&=%* /x]sf] 5 . h;sf] cg'kft aLrsf] km/snfO{ lgoldt ?kdf ;Gt'ngdf/fVg' kg]{ b]lvG5 .

ca d cf=a= @)&@÷)&# sf] cfly{s ljj/0f / @)&#÷)&$ sf] cg'dflgt cfo Aoo ljj/0fcg'df]bgsf] nflu h]=lk= k|wfg P08 Pzf]l;P6\;sf n]vf kl/Ifs >L lht]Gb| k|;fb k|wfgHo"af6 n]vfkl/If0f eO{ cfPsf] k|ltj]bg, jf;nft tyf cfo Aoosf] lj:t[t ljj/0f k|:t't ug{ rfxG5 .



h]= lk= k|wfg P08 P;f]l;P6\;/lhi68{ n]vf k/LIfs kmd{j8f g+= @, nflhDkf6, sf7df8f}+ ./lhi6«]zg g+= M %#@@k]zfut k|= k= g+= M )*.@*$)ævÆ:yfoL n]vf g+= M #))(#!(%)kmf]g g+= M (&&–)!$$#*!&^

J.P. Pradhan & AssociatesRegistered Auditing Firm

Ward No. 2, LazimpatKathmandu.

Registration No. 5322C.O.P. No. 08/2840 "Kha"

Pan : 300931950Tel : 977-014438176

ldlt M @)&#.)$.#)

:sf]k jrt tyf C0f ;xsf/L ;+:yf lnld6]8sf ;b:o dxfg'efjx? ;dIf:jtGq n]vf k/LIfssf] k|ltj]bg

xfdLn], :sf]k jrt tyf C0f ;xsf/L ;+:yf lnld6]8sf] o;} ;fy ;+nUg @)&# c;f/ d;fGtsf]jf;nft, pQm ldltdf ;dfKt ePsf] jif{sf] gfkmf gf]S;fg lx;fa / gub k|jfx ljj/0fsf] n]vf kl/If0f ;DkGgu/]sf 5f}+ . oL ljQLo ljj/0fx? k|ltsf] pQ/bfloTj Joj:yfkgdf /x]sf] 5 . Joj:yfkgn] tof/ u/]sf] tLljQLo ljj/0fx? pk/ n]vf k/LIf0fsf] cfwf/df cfk\mgf] /fo hf/L ug'{ xfd|f] pQ/ bfloTj xf] .

xfdLn] g]kfn n]vf k/LIf0f dfg (Nepal Standards on Auditing) / k|rlnt k4ltsf] cfwf/dfn]vf k/LIf0f ;DkGg u¥of}+ . ljQLo ;f/e"t ?kdf unt tYo /xLt 5 eGg] s'/fdf ljZj:t x'gsf] nfluoL dfgx? cg';f/ n]vf k/LIf0f of]hgf tof/ u/L tb\g';f/ n]vf k/LIf0f ug'{ kb{5 . ljQLo ljj/0fx?dfpNn]lvt /sd / v'nfOPsf cGo ljj/0fx?df k'i6\ofO{ ug{ k|df0fsf] 58\s] k/LIf0f ;d]t n]vf k/LIf0fdf;dfj]z x'G5 . ;+:yfn] cjnDjg u/]sf n]vf l;4fGt, Joj:yfkgn] u/]sf dxTjk"0f{ cg'dfg Pj+ ljQLoljj/0fsf] ;du| l:yltsf] d"Nof+sg klg n]vf k/LIf0fdf ;dfj]z x'G5 . n]vf k/LIf0fdf xfd|f] dGtJonfO{kof{Kt cfwf/ k|bfg u/]sf] s'/fdf xfdL ljZj:t 5f}+ . xfdLn] k/LIf0f u/]sf ljQLo ljj/0fx?sf] cfwf/dfb]xfo cg';f/ k|ltj]bg k]z u/]sf 5f}+ .

s_ n]vf k/LIf0f ;DkGg ug{ cfjZos 7flgPsf ;"rgf Pj+ :kli6s/0fx? pknAw ePsf 5g\v_ o; k|ltj]bg;+u ;DalGwt jf;nft, gfkmf gf]S;fg lx;fa tyf gub k|jfx ljj/0f g]kfnn]vfdfg,

;xsf/L ljefuaf6 hf/L ePsf lgb]{zgx? Pj+ k|rlnt sfg"gfO{ kfngf u/L tof/ ePsf 5g\ /;+:yfn] /fv]sf lx;fa lstfa;+u b"?:t /x]sf 5g\,

u_ xfdLn] n]vf k/LIf0f u/]sf >]:tfx?sf] cfwf/df ;+:yfsf] sf/f]af/ ;Gtf]ifhgs /x]sf] kfOof]3_ xfdLnfO{ k|fKt hfgsf/L tyf :ki6Ls/0f / xfdLn] k/LIf0f u/]sf >]:tfx?af6 ;~rfns ;ldlt,

s'g} ;b:o jf ;+:yfsf s'g} sd{rf/Ln] sfg"gL Joj:yf lj?4 sfdsfh jf xfgL gf]S;fgL u/]sf],;xsf/L ljefun] hf/L u/]sf lgb]{zg kfngf gu/]sf] jf ;+:yf, lgIf]kstf{ tyf nufgLstf{x?sf]xs jf ;'/Iff ljk/Lt x'g] s'g} sfd u/]sf] kfPgf}+ .

lht]Gb| k|;fb k|wfg

h]= lk= k|wfg P08 P;f]l;P6\;n]vf k/LIfs



;f}un–*, nlntk'/@)&# cfiff9 #! ut]sf]

jf;nft

qm=;+= kF""hL sf]if tyf bfloTj cg';"rL o; jif{ -?=_ ut jif{ -?=_

!= z]o/ kF"hL 1 4,94,97,300.00 3,79,75,600.00

@= hu]8f tyf cGo sf]ifx? 2 4,36,73,994.67 3,24,14,424.44

#= lgIf]k 3 53,29,47,143.86 41,11,53,048.61

$= e'StfgL lbg'kg]{ lx;fj 6 60,96,077.40 51,04,101.95

%= cfos/ Aoa:yf 28,09,370.81 19,56,815.82

^= cGo bfloTj 7 84,25,386.86 64,27,293.41

hDdf 64,34,49,273.6064,34,49,273.60 49,50,31,284.2349,50,31,284.23

qm=;+= ;DklQ tyf hfoh]yf cg';"rL o; jif{ -?=_ ut jif{ -?=_

!= gub df}Hbft 39,65,233.21 36,47,057.71

@= a}+s÷kmfOgfG;÷;xsf/Ldf df}Hbft 9 14,20,82,536.07 9,26,35,129.10

#= nufgL 10 63,23,600.00 1,12,23,500.00

$= shf{ 11 46,67,35,912.31 36,28,75,366.05

%= kfpg' kg]{ lx;fa 12 0.00 3,17,341.11

^= l:y/ ;DklQ 13 2,14,82,942.09 2,23,22,922.43

&= cGo ;DklQ 14 28,59,049.92 20,09,967.83

hDdf 64,34,49,273.6064,34,49,273.60 49,50,31,284.2349,50,31,284.23

xfd|f] ;+nUg k|ltj]bg cg';f/

clgn jL/ ah|frfo{cWoIf

afa'/fhf ah|frfo{k|aGws

cfgGb jL/ ah|frfo{;+of]hs

n]vf tyf ;'kl/j]If0f ;ldlt

dGh' zfSon]vf clws[t

h]=lk= k|wfg P08 P;f]l;P6\;-lht]Gb| k|;fb k|wfg_-n]vf kl/Ifs_

wd{ /Tg zfSosf]iffWoIf



@)&@.$.! b]lv @)&#.#.#! ;Ddsf]

cfo Joo ljj/0fqm=;+= ljj/0f cg';"rL o; jif{ -?=_ ut jif{ -?=_

1. Aofh cfDbfgL -shf{,a]}+s,laQLo ;+:yfsf]_ 15 5,64,75,006.61 4,46,08,698.51

2. Aofh vr{ -jrt_ 16 2,97,47,990.52 2,60,32,840.86

v'b Aofh cfDbfgL 2,67,27,016.09 1,85,75,857.65

3. tflnd÷sfo{s|d cfDbfgL 17 46,200.00 41,725.00

4. cGo ;+rfng cfDbfgL -k|zf;lgs,gljs/0f,cGo_ 18 28,32,409.85 41,88,066.10

s'n ;+rfng cfDbfgL 2,96,05,625.94 2,28,05,648.75

5. sd{rf/L vr{ 19 35,17,450.33 28,63,765.64

6.tflnd, sfo{qmd, ;b:o ;]jf tyf ;+:yf k|j4{gvr{

20 17,85,972.16 11,37,731.00

7. ;fd'bflos÷;+:yfut ;]jf vr{ 21 10,47,388.00 8,67,718.00

8. cGo ;+rfng vr{ 22 65,63,402.33 52,67,819.74

;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng jrt 1,66,91,413.12 1,26,68,614.37

9. C0f gf]S;fgL sf]if Joj:yf 23 22,07,949.35 24,67,710.28

10. ;DklQ ckn]vg vr{ 1,04,709.74

11. sd{rf/L af]g; Joj:yf 3,31,900.00 4,16,825.00

12. C0f gf]S;fgL sf]ifaf6 cfodf ;f/]sf]

lgoldt sf/f]jf/af6 ePsf] ;+rfng jrt 1,40,46,854.04 97,84,079.09

13. cfos/ Joj:yf 28,09,370.81 19,56,815.82

afF8kmfF8 k"j{sf] v'b jrt 1,12,37,483.23 78,27,263.27

Hfu]8f sf]if 28,09,370.81 19,56,815.82

z]o/ nfef+; sf]if 60,60,896.33 40,03,499.50

;+/lIft kF"hL sf]if 4,73,443.22 3,73,389.59

;+:yf ljsf; sf]if 5,91,804.02 4,66,736.99

3f6f k"lt{ sf]if 3,55,082.41 2,80,042.19

;b:o lzIff sf]if 3,55,082.41 2,80,042.19

;b:o :jf:Yo ;]jf cIfo sf]if 5,91,804.03 4,66,736.99











@)&@.$.! b]lv @)&#.#.#! ;Ddsf]

gub k|jfx ljj/0fljj/0f o; jif{ -?=_ ut jif{ -?=_

s_ ;+rfng ultljlwaf6 gub k|jfx

gub k|fKtL

Aofh cfDbfgL -shf{, a}+s, ljQLo_ 5,64,75,006.61 4,46,08,698.51

tflnd sfo{s|d cfDbfgL 46,200.00 41,725.00

cGo ;+rfng cfDbfgL -k|zf;lgs, gljs/0f, cGo_ 28,32,409.85 41,88,066.105,93,53,616.46 4,88,38,489.61

gub e'StfgL

Aofh vr{ 2,97,47,990.52 2,60,32,840.86

sd{rf/L vr{ 35,17,450.33 28,63,765.64

tflnd, sfo{qmd, ;b:o ;]jf tyf ;+:yf k|j4{g vr{ 17,85,972.16 11,49,649.00

;fd'bflos ;]jf vr{ 10,47,388.00 8,55,800.00

cGo ;+rfng vr{ 65,63,402.33 52,67,819.74

sd{rf/L jf]g; 3,31,900.00 4,16,825.00

cfos/ e'QmfgL 29,05,897.91 32,87,658.854,59,00,001.25 3,98,74,359.09

sfo{zLn k"FhLdf kl/jt{g cl3sf] gub k|jfx 1,34,53,615.21 89,64,130.52

rfn' ;DkQLdf a[l4÷sdL

shf{ ;fk6Ldf sdL÷-a[l4_ -10,41,75,395.26_ -13,09,17,962.28_

cGo ;DklQdf sdL÷-a[l4_ 4,17,341.11 2,91,225.67

rfn' bfloTjdf a[l4÷sdL

jrt lgIf]kdf a[l4÷-sdL_ 12,17,94,095.25 10,02,08,845.03

cGo bfloTjdf a[l4÷-sdL_ 10,96,868.56 6,97,432.93

s'n ;+rfng ultljlwaf6 gub k|jfx 3,25,86,524.87 -2,07,56,328.13

v_ nufgL ultljlwaf6 ePsf] v'b gub k|jfx

C0f kq÷z]o/ ljlqm -vl/b_ -1,00,000.00_ -1,00,000.00_

l:y/ ;DklQ ljlqm -vl/b_ 7,35,270.60 3,98,934.60

d'4lt lems]sf] -hDdf_ 50,00,000.00 1,00,00,000.00

s'n nufgL ultljlwaf6 ePsf] v'b gub k|jfx 56,35,270.60 1,02,98,934.60

u_ ljQLo ultljlwaf6 ePsf] gub k|jfx

z]o/ k"FhL hf/Laf6 k|fKt /sd 1,15,21,700.00 1,25,31,900.00

nfef+z ljt/0fdf uPsf] /sd -40,03,499.50 -28,76,049.50

hu]8f sf]ifdf kl/jt{g 33,28,410.47 5,19,364.85

cGo sf]ifdf kl/jt{g 6,97,176.03 11,36,030.22

s'n ljQLo ultljlwaf6 ePsf] gub k|jfx 1,15,43,787.00 1,13,11,245.57

s'n ultljlwaf6 gub k|jfx -s±v±u_ 4,97,65,582.47 8,53,852.04

hf]8\g] M

ut jif{sf] a}+s tyf gub df}Hbft 9,62,82,186.81 9,54,28,334.77

s'n gub tyf a}+s df}Hbft 14,60,47,769.28 9,62,82,186.8114,60,47,769.28 9,62,82,186.81

0.00 (0.00)











@)&# cfiff9 d;fGtdf tof/ ul/Psf] jf;nft / cfo Aoo laj/0f ;+u ;DalGwt cg';'rLx?cg';"rL M ! z]o/ k"“hL

cg';"rL M @ hu]8f tyf cGo sf]ifx?

cg';"rL M # lgIf]k

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_

!= k'?if ;b:o -!%&*_ z]o/ k"FhL 2,82,63,000.00 2,18,59,500.00

@= dlxnf ;b:o -!*)(_ Zf]o/ k"FhL 2,12,34,300.00 1,61,16,100.00

hDdf 4,94,97,300.00 3,79,75,600.00


1. hu]8f sf]if 2,41,59,604.92 1,80,21,823.64

2. z]o/ nfef+z sf]if 60,60,896.33 40,03,499.50

3. ;/+lIft k"FhL sf]if 4,73,443.22 3,73,389.59

4. ;b:o lzIff sf]if 3,55,082.41 2,80,042.19

5. ;+:yf ljsf; sf]if 86,42,257.37 68,47,403.35

6. 3f6f k"lt{ sf]if 3,55,082.41 2,80,042.19

7. ;b:o :jf:Yo ;]jf cIfo sf]if 35,21,024.81 25,01,620.78

8. ;b:o :jf:Yo ;]jf ;+rfng sf]if 1,06,603.20 1,06,603.20

hDdf 4,36,73,994.674,36,73,994.67 3,24,14,424.443,24,14,424.44


1. lgoldt jrt 7,82,16,831.65 6,17,60,543.55

2. cfjlws jrt 18,66,03,749.00 12,56,20,716.00

3. ;fwf/0f jrt 17,00,33,478.91 14,46,65,345.34

5. afn jrt 1,16,46,236.13 99,65,623.65

6. cjlw jrt 6,00,000.00 600,000.00

7. Ho]i7 gful/s jrt 10,59,523.10 7,23,641.07

8. Ho]i7 gful/s d'2tL jrt 2,11,50,000.00 98,50,000.00

9. b}lgs jrt 2,02,36,668.27 1,09,46,399.07

10. gf/L jrt 4,01,89,204.51 4,55,89,825.45

11. e|d0f jrt 29,18,216.30 13,38,503.28

12. z]o/ jrt 1,29,872.93 24,164.45

13 Nofk6k jrt 77,671.79 17,342.13

14. rf8kj{ jrt 85,691.27 50,944.62

hDdf 53,29,47,143.8653,29,47,143.86 41,11,53,048.6141,11,53,048.61gf]6 M v'b|f jrt cg';"rL ^ sf] e'QmfgL lbg'kg]{ lx;fasf] cf=j= jrt Aofh vftfdf ;f/]sf] xfd|f] ;+nUg k|ltj]bg cg';f/










cg';"rL M ^ e'QmfgL lbg' kg]{ lx;fa

cg';"rL M & cGo bfloTj

cg';"rL M ( a}+s÷kmfOgfG;÷;xsf/Ldf df}Hbft


1. ltg'{kg]{ n]vf k/LIf0f z'Ns 29,750.00 24,000.00

2. sd{rf/L af]g; sf]if 3,31,900.00 4,16,825.00

3. sd{rf/L ;+ro sf]if 23,69,543.35 16,98,110.54

4. ltg'{kg]{ ;b:o :jf:Yo ;]jf /sd 10,16,100.00 8,42,100.00

5. cf=a= jrt Aofh vftf 23,48,373.09 21,01,182.85

6. e'QmfgL lbg'kg]{ Aofh 410.96 21,883.56

hDdf 60,96,077.4060,96,077.40 51,04,101.9551,04,101.95


1. C0f gf]S;fgL sf]if 79,78,570.24 60,85,369.90

2. >f]t s/ s§L 42,289.41 9,630.00

3. Aofh s/ s§L 3,95,760.38 3,30,949.51

4. 3/ef8f s/ 6,813.33 0.00

5. ;fdflhs ;'/Iff s/ 1,953.50 1,344.00

hDdf 84,25,386.8684,25,386.86 64,27,293.4164,27,293.41


1. l;4fy{ a}+s ln= 2,10,57,949.67 1,00,14,862.80

2. ;g/fOh a}+s ln= 5,11,324.06 11,212.25

3. k|e' a}+s ln= -;fljs u|f08 a}+s ln=_ 20,33,257.39 24,254.03

4. 6'l/h\d 8]enkd]G6 a}+s ln= 4,02,39,484.08 1,88,70,958.07

5. /fli6«o ;xsf/L a}+s ln= 39,58,383.34 38,34,934.45

6. b]jM ljsf; a}+s ln= 75,834.31 74,570.67

7. l;len a}+s ln= 1,93,31,802.16 1,49,22,925.96

8. df5fk'5|]« a}+s ln= 12,53,333.81 6,81,520.43

9. u'x]Zj/L kmfOgfG; ln= -jrt_ 1,21,08,920.11 1,05,78,284.92

10. ;u/dfyf kmfOgfG;=ln= -jrt_ 61,091.24 59,199.11

11. cf]d 8]enkd]06 a}+s ln=-jrt_ -;fljs cf]d kmfOgfG; ln=_ 3,37,348.06 6,32,735.24

12. l/nfoG; nf]6; kmfOgfG; ln=-jrt_ 1,18,89,190.13 65,85,760.24

13. g]Kf\m:s'g -jrt_ 3,80,056.49 3,65,798.40

14. g]Kf\m:s'g -ljz]if jrt_ 2,59,35,984.29 2,47,56,102.55

15. g]Kf\m:s'g -lgoldt jrt_ 1,13,012.08 1,02,220.50

16. g]Kf\m:s'g -nfef+Zf jrt_ 9,574.33 0.00

17. n=k'= lhNnf jrt tyf C0f ;xsf/L ;+3 ln= -lgoldt jrt_ 2,32,502.77 1,97,240.52

18. cGt/ ;xsf/L ;'/If0f sf]if 0.00 5,00,000.00

19. IME Co-operative ln= -jrt_ 5,40,558.33 4,22,548.96

20. sfi7d08k 8]enkd]06 a}+s ln= 20,12,929.42 0.00

hDdf 14,20,82,536.0714,20,82,536.07 9,26,35,129.109,26,35,129.10











cg';"rL M !) nufgL

cg';"rL M !! shf{

cg';"rL M !@ kfpg' kg]{ lx;fa


1. z]o/ nufgL -g]km\:s'g_ 2,00,000.00 1,00,000.00

2. z]o/ nufgL -/fli6«o ;xsf/L a}s ln=_ 10,000.00 10,000.00

3. z]o/ nufgL -n=k'= lhNnf jrt tyf C0f;xsf/L ;+3 ln=_

11,000.00 11,000.00

4. z]o/ nufgL -lhNnf ;xsf/L ;+3 ln= n= k'=_ 1,02,500.00 1,02,500.00

5. z]o/ nufgL -IME Remmitance_ 100.00 0.00

6. d'4lt lgIf]k -u''x]Zj/L kmfOgfG; ln=_ 60,00,000.00 60,00,000.00

7. d'4lt lgIf]k -/fli6«o ;xsf/L a}+s ln=_ 0.00 50,00,000.00

hDdf 63,23,600.0063,23,600.00 1,12,23,500.001,12,23,500.00


1. 3/fo;L 2,55,36,100.00 2,35,19,600.00

2. 3/hUuf 5,88,77,400.00 2,69,65,800.00

3. 3/ lgdf{0f 4,10,62,400.00 5,39,03,190.00

4. Jofkfl/s 22,01,69,096.96 18,69,61,216.60

5. x:tsnf 10,04,38,994.00 5,27,18,700.00

6. xfo/ kr]{h 48,42,421.35 49,75,559.45

7. z}lIfs 1,57,59,500.00 1,19,31,300.00

8. cGt/ nufgL 0.00 19,00,000.00

9. cGo C0f 50,000.00 0.00

hDdf 46,67,35,912.3146,67,35,912.31 36,28,75,366.0536,28,75,366.05


1. d'4lt lgIf]k Jofh -u''x]Zj/L kmfOgfG; ln=_ 0.00 3,17,341.11

hDdf 0.000.00 3,17,341.113,17,341.11









@)&# cfiff9 d;fGtdf tof/ ul/Psf] jf;nft / cfo Aoo laj/0f ;+u ;DalGwt cg';'rLx?


:sf]k jrt tyf C0f ;xsf/L ;+:yf ln=@)&#cfiff9d;fGtdftof/ul/Psf]jf;nft/cfoAoolaj/0f;+u;DalGwtcg';"rLx?

cg';"rLM!#l:y/;DklQ

ljj/0f

z'?D"fNo

Uftjif{;Ddsf]

;DklQ

o;jif{yk

hDdf;DklQ

b/o;

jif{sf]

¥xf;sl§

afFsL;DklQ

hUuf

1,00,00,000.00

1,00,00,000.00

0.00

1,00,00,000.00

00.00

1,00,00,000.00

3/1,05,66,902.68

97,88,940.56

0.00

97,88,940.56

54,89,447.03

92,99,493.53

wft'sf];]km

38,100.00

868.11

0.00

868.11

25217.03

651.08

wft'kmlg{r/

6,26,507.00

3,13,623.47

0.00

3,13,623.47

2578,405.87

2,35,217.60

sf7sf]kmlg{r/

12,52,120.50

7,10,031.04

0.00

7,10,031.04

251,77,507.76

5,32,523.28

sfof{no;fdfu|L

4,08,692.44

2,77,551.42

170794.97

4,48,346.39

251,06,179.81

3,42,166.58

ljB'tLopks/0f

19,01,509.78

8,10,919.30

255322.00

10,66,241.30

252,46,374.31

8,19,866.99

;jf/L;fwg

2,60,475.00

1,19,541.34

0.00

1,19,541.34

2023,908.27

95,633.07

;km\\6j]o/

3,03,587.20

1,96,737.45

0.00

1,96,737.45

2039,347.49

1,57,389.96

hDdf

2,53,57,894.60

2,53,57,894.60

2,22,18,212.69

2,22,18,212.69

4,26,116.97

4,26,116.97

2,26,44,329.66

2,26,44,329.66

11,61,387.57

11,61,387.57

2,14,82,942.09

2,14,82,942.09











cg';"rL M !$ cGo ;DklQ

cg';"rL M !% Jofh cfDbfgL -shf{, a}+s, ljQLo ;+:yfsf]_

cg';"rL M !^ Jofh vr{


1. k]ZsL÷clu|d e'QmfgL 20,000.00 20,000.00

2. w/f}6L 6,750.00 1,06,750.00

3. cu|Ld cfos/ e''QmfgL 20,95,080.60 8,27,625.13

4. a}+s Aofhs/ 7,37,219.32 10,55,592.70

hDdf 28,59,049.9228,59,049.92 20,09,967.8320,09,967.83


1. shf{ Jofh 5,15,68,249.33 3,67,62,573.59

2. a}+s Jofh 18,66,881.66 30,29,133.97

3. kmfOgfG; Aofh 15,57,266.05 24,65,926.71

4. ;xsf/L ;+3 Aofh÷nfef+Zf 14,82,609.57 23,51,064.24

hDdf 5,64,75,006.615,64,75,006.61 4,46,08,698.514,46,08,698.51


1. lgoldt jrt 51,95,931.62 42,01,895.96

2. cfjlws jrt 1,16,34,497.49 1,09,60,438.02

3. ;fwf/0f jrt 72,61,416.81 66,34,633.55

4. afn jrt 7,92,494.98 7,05,796.54

5. cjlw jrt 84,210.01 40,501.42

6. h]i7 gful/s jrt 74,073.69 55,509.39

7. h]i7 gful/s d'4tL jrt 17,24,520.87 4,49,510.15

8. b}lgs jrt 7,36,241.56 6,23,230.46

9. gf/L jrt 20,75,507.78 22,63,538.61

10. Ef|d0f jrt 1,57,623.18 95,264.43

11. z]o/ jrt 2,862.16 574.59

12. Nofk6k jrt 3,719.15 532.33

13. rf8kj{ jrt 4,891.22 1,415.41

hDdf 2,97,47,990.522,97,47,990.52 2,60,32,840.862,60,32,840.86









@)&# cfiff9 d;fGtdf tof/ ul/Psf] jf;nft / cfo Aoo laj/0f ;+u ;DalGwt cg';'rLx?



cg';"rL M !& tflnd÷sfo{qmd cfDbfgL

cg';"rL M !* cGo ;+rfng cfDbfgL -k|zf;lgs, gljs/0f, cGo_

cg';"rL M !( sd{rf/L vr{


1. :jf:Yo lzlj/ sfo{qmd 0.00 7,775.00

2. afn tyf h]i7 gful/s sfo{qmd 0.00 33,950.00

3. x:tsnf d]nf sfo{qmd 22,500.00 0.00

4. MC Training 5,200.00 0.00

5. s';'g agfpg] tflnd 18,500.00 0.00

hDdf 46,200.0046,200.00 41,725.0041,725.00


1. k|zf;lgs z'Ns 18,61,029.50 34,81,852.00

2. vftf /2 z'Ns 24,834.00 43,934.00

3. 3/ef8f cfDbfgL 1,22,400.00 54,000.00

4. IME Commission 968.00 1,358.00

5. cGo cfDbfgL 8,23,178.35 6,06,922.10

hDdf 28,32,409.8528,32,409.85 41,88,066.1041,88,066.10

s|=;= ljj/0f o; jif{ -?=_ ut jif{ -?=_

1. tna 20,44,350.00 17,93,799.98

2. sd{rf/L ;+ro sf]if 1,90,245.00 1,65,155.00

3. kl/jxg 7,49,564.00 4,42,144.00

4. sd{rf/L ljdf 20,000.00 20,000.00

5. kf]zfs 71,450.00 60,000.00

6. :jf:Yo 15,000.00 15,000.00

7. vfhf÷eN6 2,47,500.00 2,24,704.99

8. ;+lrt labf ;'lawf 1,57,643.33 1,15,351.67

9. tflnd 15,600.00 4,200.00

10. cGo 6,098.00 23,410.00

hDdf 35,17,450.3335,17,450.33 28,63,765.6428,63,765.64xfd|f] ;+nUg k|ltj]bg cg';f/








@)&# cfiff9 d;fGtdf tof/ ul/Psf] jf;nft / cfo Aoo laj/0f ;+u;DalGwt cg';'rLx?



cg';"rL M @) tflnd, sfo{qmd, ;b:o ;]jf tyf ;+:yf k|j4{g vr{

cg';"rL M @! ;fd'bflos÷;+:yfut ;]jf vr{


1. /fli6«o tyf cGt/f{li6«o tflnd sfo{qmd 4,73,713.00 1,97,778.00

2. Ifdtf lasf; tyf ;xsf/L sfo{qmd 86,380.00 52,264.00

3. ;df/f]x sfo{qmd 1,85,187.00 1,16,636.00

4. afn tyf h]i7 gful/s sfo{qmd 0.00 1,27,968.00

5. cWoog e|d0f sfo{qmd 8,375.00 45,732.00

6. :jfut tyf z'esfdgf sfo{qmd 0.00 0.00

7. d]nf÷x:tsnf sfo{qmDf 95,531.00 0.00

8. leq] kfqf] k|sfzg 69,000.00 74,400.00

9. ;b:o sNof0fsf/L÷k'0olqmof vr{ 45,000.00 10,000.00

10. ACCESS sfo{qmd 1,47,067.00 1,46,716.00

11. ;+:yf k|j4{g 4,88,913.16 2,86,552.00

12. ;b:o lzIff 15,012.00 685.00

13. ;j]{If0f sfo{qmd 0.00 30,000.00

14. of]hgf÷d"Nof+sg sfo{qmd 1,71,794.00 49,000.00

hDdf 17,85,972.1617,85,972.16 11,37,731.0011,37,731.00

qm=;= ljj/0f o; jif{ -?=_ ut jif{ -?=_

1. /Qmbfg 24,088.00 11,918.00

2. ;b:o :jf:Yo ;]jf 10,16,100.00 8,42,100.00

3. :f+:yfut ;xof]u 7,200.00 13,700.00

hDdf 10,47,388.0010,47,388.00 8,67,718.008,67,718.00












cg';"rL M @@ cGo ;+rfng vr{


1. d;nGb 1,80,538.00 1,16,662.00

2. 3/ef8f 1,00,561.06 84,027.74

3. lah'nL / kfgL 86,354.00 93,404.15

4. 6]lnkmf]g, OG6/g]6 61,696.64 62,674.51

5. kqklqsf 11,804.00 19,207.00

6. ;Tsf/ 79,503.00 66,813.00

7. OGwg 34,214.32 46,442.01

8. ladf 21,364.74 20,836.94

9. vfhf 1,43,690.00 80,638.00

10. dd{t ;Def/ 1,10,347.00 64,319.37

11. ;fwf/0f ;ef 13,22,059.50 11,19,650.00

12. n]vf kl/If0f z'Ns 35,000.00 24,000.00

13. Jofh l/a]6 15,49,036.00 10,18,538.00

14. ;k\m6j]o/ 1,01,700.00 83,620.00

15. ;fn tdfdL 41,800.00 38,000.00

16. kl/jxg 6,61,635.00 5,08,560.00

17. nufgL -C0f lgl/If0f, cg'udg_ 67,705.00 65,265.00

18. sfof{no 2,56,464.48 2,24,566.98

19. k|rf/ k|;f/ 1,19,254.00 52,810.00

20. ;+rfns ;ldlt, pk–;ldlt vr{ 3,51,386.00 2,77,712.50

21. ¥xf; s§L 11,61,387.57 11,64,451.54

22. ;b:otf÷Joj;fo gljs/0f z'Ns 45,959.00 26,890.00

23. ljljw 19,943.02 8,731.00

hDdf 65,63,402.3365,63,402.33 52,67,819.7452,67,819.74












cg';"rL M @# C0f gf]S;fgL sf]if Joj:yf

qm=;+= shf{ ju{ C0f /sd -?=_ hf]lvd ef/ -k|ltzt_ /sd -?=_

1. c;n 45,79,96,250.63 1 45,79,962.51

2. z+sf:kb 82,17,006.83 35 28,75,952.39

3. v/fa 5,22,654.85 100 5,22,654.85

o; jif{;Ddsf] C0f /sd 46,67,35,912.3146,67,35,912.31 o; jif{sf] Joj:yf 79,78,569.7579,78,569.75

ut jif{ ;Ddsf] Joj:yf 60,85,369.9046,67,35,912.31 C0f ckn]vg -3,14,749.50_

o; jif{sf] yk 22,07,949.35

;]jf s]Gb|sf] :yfg kl/jt{g x'g] ;DaGwL ;b:ox?nfO{ ;"rgf;+:yfsf] sf/f]af/nfO{ yk a[xt\ / ;xh ug{sf] nflu j8f g+= !^, gsalxn, n=k'=df

/x]sf] ;+:yfsf] ;]jf s]Gb| ldlt @)&# cflZjg dlxgf b]lv j8f g+= !^ rNv',

n=k'=df ;g]{ hfgsf/L ub{5f}+ . t;y{ ;b:ox?n] pk/f]Qm gofF

:yfgaf6 ;+:yfsf] ;]jf lng' x'g xflb{s cg'/f]w ub{5f}+ .









cGt/ nufgL ;DaGw ePsf ;+3 ;+:yfx?sf] ljj/0f

A g]kfn jrt tyf C0f s]Gb|Lo ;xsf/L ;+3 ln= (NEFSCUN), afg]Zj/

A kb\dfjtL jrt tyf C0f ;xsf/L ;+:yf ln=, gaxfn

A bLkfjtL jrt tyf C0f ;xsf/L ;+:yf ln=, u'O6f]n

A /Tgfs/ jrt tyf C0f ;xsf/L ;+:yf ln=, xvaxfn

A emL ax'p2]ZoLo ;xsf/L ;+:yf ln=, gM6f]n

A zfSo k'rM jrt tyf C0f ;xsf/L ;+:yf ln=, slgaxfn

A ozf]w/ jrt tyf C0f ;xsf/L ;+:yf ln=, a'axfn

A jz'j0f{ jrt tyf C0f ;xsf/L ;+:yf ln=, gfuaxfn

A ;Dos jrt tyf C0f ;xsf/L ;+:yf ln=, Ovf5]F

A dxfa'4 cf]s'axfn k]zfut d"lt{snf sflnu9 ;xsf/L ;+:yf ln, slgaxfn




n]vf ;DaGwL gLlt tyf l6Kk0fLx?

!_ n]vf gLltx?;+:yfsf] sf/f]af/sf] n]vf+sg ;j{dfGo l;4fGt / P]ltxfl;s nfut df]nsf] cfwf/df tof/ kfl/Psf5g\ . g]kfn n]vf dfg tyf ;j{dfGo n]vf gLlt cg'?k ljQLo ljj/0fx? tof/ kfbf{ s]xL ;+j]bgzLnn]vf cg'dfgx? ug'{kg]{ x'G5 . ;fy} o;df Joj:yfkgn] ljleGg n]vf gLltx?sf] kfngf ug]{qmddf ljj]s k|of]u ug'{ kg]{ x'G5 .

@_ Jofh cfDbfgL tyf vr{shf{ tyf ;fk6Ldf k|fKt x'g] Jofhsf] u0fgf #^% lbgn] gub k|flKtsf] cfwf/df n]vf+sgul/Psf] 5 eg] lgIf]k bfloTj tyf cGo jrtx?df ltg'{kg]{ JofhnfO{ #^% lbgn] u0fgf u/LAccrual sf] cfwf/df n]vf+sg ul/Psf] 5 .

#_ cGo vr{cGo vr{x? klg Accrual sf] cfwf/df g} n]vf+sg ul/Psf] 5 .

$_ shf{ tyf ;fk6Lshf{ tyf ;fk6Lsf] juL{s/0f ul/Psf] 5 . shf{x?sf] ;Defljt xfgL gf]S;fgL afkt C0fgf]S;fgL sf]ifsf] Joj:yf ul/Psf] 5 .

%_ nufgLx?

;"rLs[t ePsf] ;+:yfsf] z]o/df ul/Psf] nufgL /sdnfO{ k/n d'Nodf n]vf+sg ul/Psf]5 .

^_ ¥xf; s§Lv/Lb ul/Psf ;DklQx?sf] ¥xf; s§L cfos/ P]g @)%* n] lgb]{lzt ul/Psf] b/ cg';f/ ¥xf; s§Lul/Psf] 5 . kf}if d;fGt ;Ddsf] v/Lbdf ¥xf; s§L lgodfg';f/sf] !))Ü, df3 b]lv r}q;Ddsf] vl/bdf ^^Ü / a}zfv b]lv c;f/ ;Ddsf] vl/bdf ##Ü ¥xf; s§L ul/Psf] 5 .

&_ cfos/ Joj:yfcfos/ P]g @)%* adf]lhd ;+:yfn] cfh{g u/]sf] s/ of]Uo cfo ePsf] b]lvPsf]n] s/ Joj:yful/Psf] 5 .



:sf]kjrttyfC0f;xsf/L;+:yfln=

cf=a

=@)&

@.)&

#sf]cg'd

flgt

ah]6

tyfjf:t

ljs

vr{

cfDbfgL

cg'dflgt

jf:tljs

Üvr{

cg'dflgt

jf:tljs

ÜJofhcfDbfgL

5,09,00,000.00

5,15,68,249.33

1.31

Jofhvr{

3,58,00,000.00

2,97,47,990.52

-16.91

a}sAofh

96,00,000.00

49,06,757.28-48.89tflnd÷;b:o;]jf÷sfo{s|d

12,50,000.00

18,17,260.16

45.38

k|zf;lgsz'Ns

18,00,000.00

18,61,029.50

3.39

;ldlt,pk–;ldltvr{

7,75,000.00

10,54,821.00

36.11

tflnd÷sfo{qmDfcfDbfgL

1,50,000.00

46,200.00

-69.20

¥xf;s§L

15,00,000.00

11,61,387.57

-22.57

cGocfDbfgL

7,50,000.00

9,71,380.35

29.52

C0fhf]lvdJoj:yf

5,00,000.00

22,07,949.34

341.59

-sd{rf/Ltnatyf;'lawf

34,00,000.00

35,17,450.33

3.45

-dxz'nvr{

2,38,000.00

1,77,264.96-25.52

sfof{no÷d;nGbvr{

3,80,000.00

4,75,171.22

25.05

vfhf/;Tsf/vr{

2,28,000.00

2,23,193.00

-2.11

Jofhl/j]6

13,00,000.00

15,49,036.00

19.16

;fwf/0f;efvr{

13,00,000.00

13,22,059.50

1.70

nufgL

1,10,000.00

67,705.00-38.45

n]vfkl/If0f

35,000.00

35,000.00

0.00

k|rf/k|;f/

10,00,000.00

1,19,254.00-88.07

;b:otfgjLs/0f

35,600.00

45,959.00

29.10

:jf:Yovr{

10,50,000.00

10,16,100.00

-3.23

;k\m6j]o/

1,21,700.00

1,01,700.00

-16.43

dd{tvr{

1,00,000.00

1,10,347.00

10.35

3/ef8f

1,90,000.00

1,00,561.06-47.07

ckn]vg-;DklQ_

1,04,709.74

af]g;vr{

3,31,900.00

cGo

1,20,000.00

19,943.02

-83.38

hDdfcfDbfgL

6,32,00,000.00

5,93,53,616.46

–6=09

6=09

hDdfvr{

4,94,33,300.00

4,53,06,762.42

––8.35

8.35

jrt

13,766,700.00

14,046,854.04

2.04

2.04



:sf]k jrt tyf C0f ;xsf/L ;+:yf ln=cf=a= @)&#.)&$ sf] nflu

cg'dflgt ah]6

o; cf=a=df ;b:ox?nfO{ !$ k|ltzt nfef+z ljt/0fsf] nflu k|:tfj /fv]sf 5f}+ . cfufdL jif{!% k|ltzt k|ltkmn ljt/0f ug]{ nIo lnPsf 5f}+ . sd{rf/Lx?nfO{ k|f]T;fxg :j?k @ dlxgfsf] af]g; lbg]lg0f{o u/]sf 5f}+ . ;+:yfn] ;b:ox?nfO{ k|efjsf/L 9+uaf6 ;]jf k|bfg ub}{ cfO/x]sf] / cfufdL lbgx?dfklg cem of] eGbf a9L k|efjsf/L, gljgtd tyf pknAwLd"ns ;]jf k|bfg ug{] k|ltj4tf JoQm ug{ rfxG5f}+ .;+:yfn] ;b:ox?nfO{ lbO/x]sf] ;]jfnfO{ d"Nof+sg ub}{ o; jif{ ACCU n] o; ;+:yfnfO{ ACCESS Brand(Bronze) k|bfg ul/Psf] 5 . of] uf}/jk"0f{ Brand k|fKt ug{ ;kmn ePsf]n] ;Dk"0f{ ;b:o dxfg'efjx?Pj+ g]k\m:s"gk|lt xflb{s s[t1tf JoQm ub{5f}+ . ;fy} ;+:yfnfO{ oxfF;Dd NofO{ k'¥ofpg ;xof]u ug'{ x'g];+:yfksx?, ;+rfns ;ldlt, n]vf tyf ;'kl/j]If0f ;ldlt, ljleGg pk–;ldlt, Joj:yfkg ;d"x nufot;Dk"0f{ ;b:ox?df xflb{s s[t1tf JoQm ub}{ cfufdL lbgdf klg oxfFx?af6 lg/Gt/ ;xof]u Pj+ ;fysf]ck]Iff ub{5f}+ . wGojfb

cfo @)&#÷)&$ Joo @)&#÷)&$Jofh cfDbfgL 7,65,00,000.00 Jofh vr{ 4,55,00,000.00a}s Jofh 74,00,000.00 tflnd÷;b:o ;]jf sfo{s|Df 16,00,000.00k|zf;lgs cfDbfgL 45,00,000.00 ;ldlt,pk;ldlt vr{ 15,15,000.00cGo cfDbfgL 6,00,000.00 ¥xf; s§L 16,00,000.00tflnd÷sfo{qmDf cfDbfgL 45,000.00 C0f hf]lvd Joj:yf 6,00,000.00

sd{rf/L tna tyf ;'lawf 54,00,000.00dxz'n vr{ 3,00,000.00sfof{no vr{ 6,00,000.00vfhf / ;Tsf/ vr{ 2,50,000.00Jofh l/j]6 14,50,000.00;fwf/0f ;ef vr{ 20,00,000.00nufgL 75,000.00n]vf kl/If0f 50,000.00k|rf/ k|;f/ 3,00,000.00/ht hoGtL sfo{qmd 5,00,000.00ACCESS Brand k|j4{g vr{ 5,00,000.00;b:otf gjLs/0f 55,800.00:jf:Yo vr{ 16,50,000.00;k\m6j]o/ 1,50,000.00dd{t vr{ 1,50,000.003/ef8f 2,00,000.00cGo 30,000.00

8,90,45,000.008,90,45,000.00 hDdf vr{ 6,44,75,800.006,44,75,800.00v'b jrt 2,45,69,200.002,45,69,200.00



;b:o;+Vof



jrttyfC0f



z]o/k"“hL



PEARLScg'kftx?@)&# cfiff9 d;fGtsf]


Indicators Goal Numerator Denominator Result ResultP = ProtectionP1 Reserve for loan loss >12 months 100% 5,22,654.85 5,22,654.85 100.00 100.00P2 Reserve for loan loss <12 months 35% 28,75,952.39 82,17,006.83 35.00 35.00

good loan 1% 45,79,962.51 45,79,96,250.63 1.00 1.00E = Effective financial structureE1 Net Loan to total assets 70-80% 46,33,37,305.07 64,34,49,273.60 72.01 72.79E5 Saving to total assets 70-80% 53,29,47,143.86 64,34,49,273.60 82.83 83.48E6 External loan to total assets <5% 0.00 64,34,49,273.60 0.00 0.00E7 Share capital to total assets 10-20% 4,94,97,300.00 64,34,49,273.60 7.69 7.67E8 Institutional capital to total assets 10% 3,63,22,887.10 64,34,49,273.60 5.65 5.72A =Assets quality

A1 Delinquent loan to loanoutstanding <5% 87,39,661.68 46,67,35,912.31 1.87 1.97

A2 Non earning assets to total assets <5% 2,88,29,880.07 64,34,49,273.60 4.48 5.72

A3 Zero cost liabilities/Non earningAssets >200 5,86,35,286.39 2,88,29,880.07 203.38 141.99

R = Rate of return

R1 Total interest income to averageloan

Interestrate 5,15,68,249.33 41,48,05,639.18 12.43 12.36

R5 Interest exp. To average savingand ext. loan

Marketrate 2,97,47,990.52 47,31,00,687.66 6.29 7.17

R7 Dividend paid on average sharecapital

Marketrate 60,60,896.33 4,37,36,450.00 14 13

R9 Operating expenses/ Average totalassets 5% 1,32,46,112.82 56,92,40,278.92 2.33 2.97

R12 Net income/ Average total assets Min10% 1,40,46,854.04 56,92,40,278.92 2.47 2.25

L = LiquidityL1 Liquid assets/ total saving 15% 14,60,47,769.28 53,29,47,143.86 27.40 23.30

L3 Non earning Liquid assets/ totalassets <1% 39,65,233.21 64,34,49,273.60 0.62 0.74

S = Sign of growthS10 Growth in Membership 12% 564 2823 19.98 14.34

S11 Growth in assets Inflationrate 14,84,17,989.37 49,50,31,284.23 29.98 32.58



o; ;+:yfsf] @# cf}+ jflif{s ;fwf/0f ;ef

@)&# cflZjg * ut] zlgaf/ x'g uO/x]sf] x'gfn]

;b:otf kl/ro kq glnPsf, x/fPsf jf gi6 ePsf

;b:o dxfg'efjx?n] ;+:yfdf

;Dks{ /fVg' x'g cg'/f]w ub{5' .

;fy} 7]ufgf, kmf]g g+=, df]afOn g+= / cGo ljj/0f

kl/jt{g ePsf ;b:ox?n] clgjfo{ ?kdf ;+:yfdf

hfgsf/L lbg' x'g klg cg'/f]w ub{5f}+ .

k|lta4tf

:sf]k jrt tyf C0f ;xsf/L ;+:yf ln=nfO{ ldlt @)&# c;f/ !* ut]cGt/f{li6«o ;xsf/L lbj;sf lbg /fli6«o ;xsf/L ;+3 ln= n] pTs[i6;xsf/L Joj;fo k'/:sf/ @)&@ k|bfg u/]sf], To:t} g]kfn jrt tyfC0f s]lGb|o ;xsf/L ;+3 ln=n] ldlt @)&# >fj0f #@ ut]sf lbgo; ;+:yfnfO{ g]kfns} pTs[i6 jrt tyf C0f ;xsf/L ;+:yf ePsf]3f]if0ff u/]sf] / Association of Asian Confederation of Credit Unions(ACCU) n] ACCESS Bronze Accreditation af6 lje"lift u/]sf]dfo; ;+:yf / o;df cfj4 ;Dk"0f{ ;b:ox? cToGt uf}/jflGjt ePsf5f}+ . ;Ddfg / pkflwsf] nflu pQm ;+3x? k|lt xflb{s cfef/ tyfs[t1tf 1fkg ub}{ cfufdL lbgdf o; ;+:yfn] cfk\mgf] sfo{ If]qdf/x]sf ;dfh, ;d'bfo / ;b:ox?nfO{ cem :t/Lo ;]jf k|bfg ug]{k|0f ;lxt k|lta4tf hfx]/ ub{5f}+ .



;+:yfn] k|bfg ul//x]sf ljQLo ;]jfsf] Jofhb/

s_ jrttkm{

qm=;+= jrt k|ltzt! lgoldt jrt &=%Ü

@ ;fwf/0f jrt %Ü

# afn jrt &=%Ü

$ Ho]i7 gful/s jrt &=%Ü

% b}lgs jrt %=%Ü

^ gf/L jrt %Ü

& e|d0f jrt *Ü

* z]o/ jrt (Ü

( rf8kj{ jrt *Ü

!) Laptop jrt (Ü

!! Ho]i7 gful/s d'2tL jrt -# jif{_ !)=!!Ü

!@ cfjlws jrt -! jif{_ &=%–*=%Ü

v_ C0ftkm{

qm=;+= C0f k|ltzt! ;b:o hdfgL C0f !#Ü

@ Jofj;flos C0f !$– !%Ü

# Housing C0f !$– !%Ü

$ z}lIfs C0f !$– !%Ü

% cfjlws jrt lwtf] C0f yk @Ü

^ xfo/ kr]{h C0f (EMI System) !#Ü

& IPOC0f !^Ü



;+:yfdf labf ;DaGwL hfgsf/L

gf]6M!= ;+:yf :yfkgf lbj; efb| @@ ut] / /fli6«o ;xsf/L lbj; r}q @) ut]sf lbg sf/f]jf/

aGb u/L ljljw sfo{qmd u/L dgfOg]5 .@= dfly pNn]lvt ljbfx¿ afx]s cGo cfsl:ds ljbfx¿ ;+rfns ;ldltsf] lg0f{o cg';f/

x'g]5 .

qm=;+= labf ljj/0f lbg

! gjjif{ !

@ cfdfsf] d'v x]g]{ lbg !

# dl5Gb|gfy hfqfsf] k|To]s e'HofM -ufaxfn, ;'Gwf/f, nugv]n_ #

$ a'4 hoGtL !

% u0ftGq lbj; !

^ on k+rbfg !

& u'Gx' k'lGx !

* ef]6f] hfqf !

( dtofM !

!) a'afsf] d'v x]g]{ lbg !

!! bz}+ -k'mnkftL b]lv qof]bzL ;Dd_ &

!@ ltxf/ $

!# ;lsdgf k'lGx !

!$ of]d/L k'lGx !

!% lbzL k"hf !

!^ 3\of] rfs' ;FNx" -df3] ;+qmflGt_ !

!& kmfu' k'lGx -xf]nL_ !

!* 3f]8] hfqf !

!( jflif{s ;fwf/0f ;efsf] ef]lnkN6 !



;f}un – *, nlntk'/

k|d'v ljQLo ;"rf+sx?

cf=a= @)^&÷)^* b]lv @)&@÷)&# ;Ddsf] k|ult ljj/0f

ljj/0f 2066/067 2067/068 2068/069 2069/070 2070/071 2071/072 2072/073

z]o/ kF"hL 1,04,09,500.00 1,09,27,500.00 1,56,04,700.00 2,07,19,700.00 2,54,43,700.00 3,79,75,600.00 4,94,97,300.00

;+:yfut kF"hL 75,80,446.06 87,37,052.49 1,08,76,572.04 1,38,01,084.34 2,28,68,191.97 3,23,07,821.24 3,63,22,887.10

s'n lgIf]k 13,26,44,663.21 15,67,40,486.91 19,07,06,429.03 26,21,43,021.85 31,30,45,386.43 41,32,54,231.46 53,29,47,143.86

shf{ 13,60,01,169.00 14,36,84,630.00 16,33,05,676.00 16,90,61,251.00 23,20,14,803.77 36,28,75,366.05 46,67,35,912.31

jrt 28,99,655.43 25,01,163.20 34,66,844.13 46,23,953.12 62,02,578.69 97,84,079.09 1,40,46,854.04

;DklQ 15,74,92,879.68 18,38,36,353.70 22,63,58,674.83 30,58,19,960.25 37,33,76,264.37 49,50,31,284.23 64,34,49,273.60

;b:o ;+Vof 1596 1692 1892 2165 2469 2823 3,387

j|m=;+= laa/0f ;"rsfÍaif{ aif{ aif{ aif{ aif{ aif{

2067/068 2068/069 2069/070 2070/071 2071/072 2072/073

1v'b jrt ÷ s'ncfDbfgL

k||ltzt 8.53 10.00 10.76 12.82 16.03 18.93

2Aofh cfDbfgL ÷ shf{;fk6

k||ltzt 13.84 14.19 19.12 12.18 10.13 11.05

3 nfef+Zf lat/0f k||ltzt 10 13 12 13.00 13.00 14.00

4sd{rf/L vr{ ÷s'n;+rfng vr{

k||ltzt 25.75 26.83 28.85 27.76 27.13 26.35

5 Aofh vr{ ÷s'n lgIf]k k||ltzt 9.28 8.91 8.69 7.67 6.30 5.586 v'b jrt÷shf{ ;fk6 k||ltzt 1.39 1.70 2.19 2.14 2.16 2.417 v'b jrt÷s'n ;DklQ k||ltzt 1.09 1.23 1.20 1.33 1.58 1.758 s'n shf{÷lgIf]k k||ltzt 91.67 85.63 64.49 74.12 87.81 87.58

9s'n ;~rfng vr{÷s'n ;DklQ

k||ltzt 3.46 3.04 2.40 2.29 2.13 2.07

10 Aofh vr{÷ s'n ;DklQ k||ltzt 7.78 7.51 7.42 6.43 5.26 4.6211 lg:s[o shf{÷s'n shf{ k||ltzt 2.38 2.35 3.55 1.66 1.97 1.8712 t/ntf ÷;DklQ k||ltzt 16.43 22.91 27.26 25.56 19.45 22.7013 s'n Zf]o/ ;+Vof 109275 156047 207197 254437 379756 49497314 s'n sd{rf/L hgf 16 16 16 16 15 15




;+:yfsf ;b:ox?n] lgodfg';f/ ug'{ kg]{ lgoldt jrt tyf C0f lnPsf;b:ox?sf] xsdf dfl;s ?kdf a'emfpg' kg]{ Aofh tyf ;fFjf ;dod} a'emfO{

;+:yfsf] k|ultdf ;fem]bf/ aGg' x'g xflb{s cfu|x ub{5f}+ .

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lgodfg

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ug

'

{ kg]{ lgoldt

jrt

tyf

C0f

ln

P

;b:ox?nfO{ ;"rgf;b:ox?nfO{ ;"rgf

;dj]bgf;dj]bgfo; ;+:yfsf lgDg ;b:ox?sf] b]xfj;fg ePsf]n] ;Dk"0f{ ;b:o kl/jf/ ddf{xtePsf 5f}+ . b]xfj;fg ePsf ;b:ox?sf] lgjf{0f k|fKtLsf] sfdgf ub}{ zf]s ;+tKt

kl/jf/n] w}o{ wf/0f ug{ ;s'g\ elg sfdgf ;lxt ;+:yfsf] tkm{af6 ulx/f];dj]bgf k|s6 ub{5f}+ .


:j= k[YjL/fh ah|frfo{;b:o g+= @^^ldvfaxfn

:j= 1fg axfb'/ zfSo;b:o g+= @((

rfs'kf6

:j= z}n]Gb| zfSo;b:o g+= !^^

Gof9n

:j= lgzf zfSo;b:o g+= #!)(

k|ofukf]v/L

:j= /Tg zf]ef ah|frfo{;b:o g+= !$@

Ko+uyf

:j= ;'/h zfSo;b:o g+= &(#Gofvfrf]s



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Grand Final 23nd agm prativedan_