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ljj/0f–kq ;ft jif{ cjlw tyf jflif{s !@ k|ltzt Jofhb/ ePsf] ?=@) s/f]8 a/fa/sf] k|lt l8a]Gr/ ?=!,)))÷— c+lst d"Nosf @,)),))) lsQf dWo]! nfv @) xhf/ lsQf l8a]Gr/n] x'g cfpg] s'n ?=!@ s/f]8 C0f k"FhL /sd kl/kq ljlw -Private Placement_ af6 / *) xhf/ lsQf l8j]Gr/n] x'g cfpg] s"n ?=* s/f]8 C0f k"FhL /sd -%% cyf{t $,))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofOPsf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisf;gaf6 ljqmL ul/g] .

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nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f M lwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"NofÍg ug]{ k|d'v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisf;g d"Non] ;"rLs/0f kZrft lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0f-kqsf] bkmf * df pNn]lvt hf]lvdx? ;d]t cWoog u/]/ dfq nufgL ;DjGwL lg0f{o lng ;'emfj ul/G5 .

lgodg lgsfosf] hjfkmb]lxtf g/xg] pb\3f]if0f M o; ljj/0f-kqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL P]g, @)^# adf]lhd g]kfn lwtf]kq af]8{n] :jLs[lt k|bfg u/]sf] 5 . o;/L af]8{n] :jLs[lt k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0f–kqdf pNn]lvt s'/fsf] ;Totf jf lgisf;gstf{ jf kl/of]hgfsf] cfly{s ;Ifdtf jf lwtf]kqsf] d"Nosf] af/]df s'g} k|sf/sf] k|Tofe"lt u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g . o; sDkgLn] hf/L ug{ nfu]sf] ?= @) s/f]8sf] & jif{ cjlw tyf aflif{s !@Ü Aofhb/ ePsf] æcfO=l;=Pkm=l;= kmfOgfG; lnld6]8 l8a]Gr/ @)*#Æ C0fkqnfO{ s]o/ /]l6ª g]kfn ln=, sdnfbL, sf7df8f}+n] ldlt @)&^÷)^÷)( (Sept 26,2019) df dWod shf{ hf]lvd hgfpg] CARE-NP BBB-(Triple B Minus) u|]l8Ë k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ug{ Instrument nfO{ ;dodfg ljQLo bfloTj k'/f ug]{ ;DaGwdf oy]i6 ?kdf ;'/lIft dflgG5 . hf]lvdsf] b[li6df o:tf pks/0fx? dWod shf{ hf]lvd (Morderate Credit Risk_ ePsf] dflgG5 . ;fy} o; sDkgLnfO{ s]o/ g]kfn lnld6]8n] Issure /]l6Ë "CARE-NP BBB-(Is)(Triple B Minus)[Issuer Rating])" u|]l8Ë k|bfg u/]sf] 5 . h;n] dWod shf{ hf]lvd (Morderate Credit Risk) hgfpFb5 . o; ljj/0f kq dfkm{t lgisf;g x'g] C0fkq sDkgLsf] ;DklQ ;'/If0f g/fvL lgisf;g ul/Psf] c;'/lIft C0f -Unsecured Debt) ePsf] / sy+sbflrt} +sDkgL6f6klN6Pdf cGo ;'/lIft ;fx' lgIf]kstf{eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisf;g ul/Psf] ;xfos C0f -Subordinated Debt_ ePsf] x'Fbfk|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkqjfnfsf] s'g} lglb{i6 xs -Specific Charge)clwsf/ x'g] 5}g . o; ljj/0f-kq dfkm{t lgisf;g ul/g]C0fkqjfnfsf] +sDkgLsf] ;DklQdf l4tLo xs x'g]5 . +sDkgLsf] ;DklQdf ;'/lIft ;fx' / lgIf]kstf{sf] k|yd xs nfUg]5 .

g]kfn lwtf]kq af]8{af6 :jLs[t ldlt M@)&^/!)/)^ lgisf;g v'Nnf ldlt M @)&^/!!/!# g]kfn /fi6« a}+sdf btf{ ldlt M @)&^/!)/)* lgisf;g aGb x'g] ldlt -l56f]df_ M @)&^÷!!/!^ sDkgL /lhi6«f/sf] sfof{nodf btf{ ldlt M @)&^/!)/@$ lgisf;g aGb x'g] ldlt -clGtd_ M @)&^/!!/@& lwtf]kq lgisf;g tyf laqmL k|aGws

Unf]an cfOPdO{ SofkL6n lnld6]8 kf]=a=g+=@!%((, /fli6«o gfr3/ -t];|f] tNnf_ hdn, sf7df08f}+ . kmf]g g+= $@@@$^) ˆofS; g+=$@@@%#$ E-mail:[email protected] URL: www.globalimecapital.com

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!= ljj/0f–kqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M s_ æljj/0fkqÆ eGgfn] lwtf]kq ;DaGwL P]g, @) # sf] bkmf #) tyf sDkgL P]g, @) # sf] bkmf @# cGtu{t k|sflzt ljj/0fx? ePsf]

k'l:tsfnfO{ ;Demg' kb{5 . v_ ælwtf]kq lgisf;g tyf laqmL k|aGwsÆ eGgfn] Unf]an cfOPdO{ SofkL6n lnld6]8nfO{ ;Demg' kb{5 . u_ æsDkgLÆ eGgfn] lgisf;gstf{ sDkgL cfO=l;=Pkm=l;= kmfOgfG; lnld6]8nfO{ ;Demg' kb{5 . 3_ æ;+sng s]Gb|Æ eGgfn] g]kfn lwtf]kq af]8{af :jLs[lt k|fKt u/]sf cfZjf -ASBA_ ;b:o a}+s tyf ljQLo ;+:yfx?nfO{ ;Demg' kb{5 . ª_ ælgisf;g a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] jfl0fHo a}+snfO{ ;Demg' kb{5. r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5 . 5_ æ;+:yfks, ;~rfns, k|d'v sfo{sf/L clws[t tyf Joj:yfkgÆ eGgfn] sDkgLsf ;+:yfks, ;~rfns, sfo{sf/L k|d'v tyf

Joj:yfkgnfO{ ;Demg' kb{5 . h_ æaf]8{Æ eGgfn] lwtf]kq ;DaGwL P]g, @) # sf] bkmf # adf]lhd :yfkgf ePsf] g]kfn lwtf]kq af]8{ ;Demg' k5{ . em_ æcfwf/e"t z]o/wgLÆ eGgfn] sDkgLsf] r'Qmf k"FhLsf] ! k|ltzt eGbf a9L z]o/ wf/0f u/]sf z]o/wgL . @= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M l;= g+= ljj/0fkq k|fKt ug]{ :yfgsf] gfd / 7]ufgf

-s_ Unf]an cfOPdO{ SofkL6n lnld6]8, hdn, sf7df8f}+ . -v_ cfO=l;=Pkm=l;= kmfOgfG; lnld6]8, -s]Gb|Lo_ sfof{no !,$@% ly/ad ;8s @, ef6e6]gL, sf7df08f}+ tyf o;sf zfvf sfof{nox? .

l;= g+= b/vf:t kmf/d k|fKt ug]{ tyf a'emfpg] :yfg -u_ g]kfn lwtf]kq jf]8{jf6 :jLs[lt k|fKt u/]sf ;Dk"0f{ cf:jf (ASBA) ;b:o a}+s tyf ljQLo ;+:yfx? / ltgsf zfvf sfof{nox? .

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! lwtf]kq lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M xfdLnfO{ cfO=l;=Pkm=l;= kmfOgfG; lnld6]8 tyf o;sf ;+:yfks÷;~rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df To; sDkgLsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t eO{ xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df P]g / lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq -Due Diligence Certificate_ k|:t't u/]sf 5f}+ .

@ ;+ul7t ;+:yfsf] pb3f]if0f M

-s_ ;~rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M

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

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

-u_ lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M k|rlnt sfg"g cg';f/ cfkm\gf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t} sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6« a}+s cflb_ sf] ;fj{hlgs lgisfzg tyf cGo lgodg Joj:yf tyf lgb{]zgx?sf] kfngf u/]sf] s'/fsf] pb\3f]if0f ub{5f}+ .

;fy} ;fj{hlgs lgisf;g k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f] df plNnlvt ;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{nodf k]z u/]sf 5f}+ . sDkgL /lhi6«f/sf] ldlt @)&^.)^.)( sf] kqfg';f/ cf=j= @)&$÷)&% ;Dd sDkgL /lhi6«f/sf] sfof{nodf ;+ul7t ;+:yf cBfjlws /x]sf] 5 . -3_ ;+:yfks, ;~rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M != o; sDkgLsf] ;+:yfks, ;~rfns jf sfo{sf/L k|d'v shf{ ;"rgf s]Gb|sf] sfnf] ;"rLdf /x]sf 5}gg\ . @= o; sDkgLsf ;~rfns jf sfo{sf/L k|d'v sfnf] ;"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;~rfns jf sfo{sf/L k|d'v /x]sf 5}gg\ . #= ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0faf6 k"FhL ;+sng u/L j]kQf ePsf jf ;+rfngdf g/x]sf jf nufgLstf{x?sf] lxt ljk/Lt x'g]

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

;+ul7t ;+:yfsf] ;~rfns jf sfo{sf/L k|d'v o; sDkgLsf]] ;~rfns jf sfo{sf/L k|d'v 5}gg\ . %= o; sDkgLsf]] ;~rfns jf sfo{sf/L k|d'v lwtf]kq ;DaGwL P]gsf] bkmf !)* adf]lhd ;~rfns jf sfo{sf/L cof]Uo /x]sf 5}gg\ .

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

-s_ ;+ul7t ;+:yfsf] k[i7e"ld M

-c_ ;+ul7t ;+:yfsf] gfd M cfO=l;=Pkm=l;=kmfOgfG; lnld6]8 (ICFC Finance Limited) -cf_ ;+:yf s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M sDkgL P]g, @) # adf]lhd ldlt @)^)/) /)% ut] ;+:yflkt o; sDkgLn]

ldlt @) ! ;fn cfiff9 #) ut] g]kfn /fi6« a}+saf6 ljQLo sf/f]jf/ ug]{ Ohfht k|fKt u/L ldlt @) ! ;fn cfiff9 #! ut]b]lv g]kfn /fi6« a}+saf6 æuÆ ju{sf] Ohfhtkq k|fKt ;+:yfsf] ?kd ljQLo sf/f]jf/ ;~rfng ub}{ cfPsf] 5 .

-O_ ;+ul7t ;+:yfsf] /lhi68{ sfof{no M o; sDkgLsf] /lhi68{ -s]Gb|Lo_ sfof{no k|b]z g+= #, afudlt c~rn,

sf7df08f}+ lhNnf, !$@% ly/ad ;8s - @, ef6e6]gL, sf7df08f}+df /x]sf] 5 . -O{_ sf/f]jf/ ug]{ d'Vo :yfg M o; sDkgLn] afUdlt c~rn, sf7df08f}+ k|b]z g+= #, afudlt c~rn, sf7df08f}+

lhNnf, !,$@% ly/ad ;8s - @, ef6e6]gL, sf7df08f}+df cfkm\gf] k|wfg sfof{no vf]ln a}+lsË sf/f]af/ ul//x]sf] 5 . o;sf] cltl/Qm sDkgLn] g]kfn /fi6« a}+ssf] :jLs[lt lnO{ pkTosfleq tyf pkTosf jflx/ b]xfosf :yfgx?af6 cfˆgf] sf/f]jf/ ;+rfng ub}{ cfPsf] 5 . l;=g+= zfvf sfof{no zfvf /x]sf] :yflgo tx, lhNnf / k|b]z ! d'Vof sfof{no !$@%, ly/ad ;8s, ef6ef6]gL, sf7df08f}, k|b]z g+=# @ af}4 zfvf af}¢gfy dfu{–^, sf7df08f},k|b]z g+=# # ag]kf zfvf ag]kf–*, tLgbf]af6f], c/lgsf] dfu{–!^&-k_, sfe|],k|b]z g+=# $ d}ltb]jL zfvf !)@, l8NnLahf/ ;8s, d}ltb]jL, sf7df08f},k|b]z g+=# % e}/xjf zfvf gf/fo0f ky, l;¢fy{gu/ gu/kflnsf–*, ?kGb]xL, k|b]z g++= % ^ uf]ua' zfvf ldqgu/, uf]+ua'–@^, sf7df08f},k|b]z g+=# & a'6jn zfvf a'6jn pk–dxfgu/kflnsf–^, la=lk=rf]s, ?kGb]xL, k|b]z g++= %* k]K;Lsf]nf zfvf k'/fgf] l;gfd+un -k]K;Lsf]nf 6fpg Knflg+u_–#@,

sf7df08f},k|b]z g+=# ( sflnsf:yfg zfvf sflnsf u|fld0f gu/kflnsf–@, sflnsf:yfg, /;'jf, k|b]z g+=#!) cf]9/L zfvf agu+uf gu/kflnsf–!!,cf9f/L, slkna:t', k|b]z g++= % !! Go" /f]8 zfvf, l;l¢r/0f rf]s–@#, Go"/f]8, sf7df08f},k|b]z g+=# !@ uNofË zfvf UNofË gu/kflnsf–#, :ofª\hf, k|b]z g+=+ $ !# hod+unf zfvf /Tggu/ gu/kflnsf–!#, lrtjg, k|b]z g+=# !$ v'/v'/] zfvf /fKtL gu/kflnsf–*, lrtjg, k|b]z g+=# !% lqz'ln zfvf lab'/ gu/kflnsf–!, lqz'nL, g'jfsf]6,k|b]z g+=# !^ Hof]ltgu/ zfvf e/tk'/ dxf–gu/kflnsf–@^, Hof]ltgu/, lrtjg, k|b]z g+=# !& gf/fo0fu9 zfvf zxLbrf]s, gf/fo0fu9, e/tk'/–#, lrtjg, k|b]z g+=# !* Ujfsf]{ zfvf nlntk'/ dxfgu/kflnsf–!&, Ujfsf]{, k|b]z g+=# PS;6]G;g sfp06/ ! Hff]/kf6L PS;6]G;g sfp06/ uf]s0f]{Zj/–%, hf]/kf6L, sf7df08f}, k|b]z g+=#

-p_ -!_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf] d'Vo p2]Zox? M o; sDkgL k|rlnt sDkgL P]g cGtu{t @)^) ;fn cflZjg % ut]sf lbg g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf btf{ ePsf] xf] . k|rlnt a}+s tyf ljQLo ;+:yf ;DjGwL P]g cg';f/ @)^! ;fn cfiff9 #) ut] g]kfn /fi6« a}+saf6 ljQLo sf/f]jf/ ug{ :jLs[lt k|fKt u/L @)^! ;fn cfiff9 #! ut]b]lv a}ls+u sf/f]jf/ ;+rfng ub}{ cfO/x]sf] 5 . o; sDkgLsf ;+:yfks tyf ;+rfnsx?df nfdf] ;do;Dd a}ls+u, Jofkf/ tyf pBf]uwGbf / Jofj;flos kqsfl/tf If]qdf cg'ej k|fKt k|ltli7t JolQmx? ;+nUg /x]sf 5g\ .

-@_ sDkgLsf] d'Vo p2]Zo M

ljQLo ;+:yfsf] k|aGw kqsf] bkmf # tyf lgodfjnLsf] lgod # df pNn]v ul/P adf]lhd g]kfn /fi6« a}+s -klxnf] ;+zf]wg_ P]g, @)^#, a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)&#, sDkgL P]g, @)^#,

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k|rlnt lwtf]kq ;DjGwL sfg'g tyf cGo k|rlnt sfg'gsf] clwgdf /xL ljQLo sf/f]jf/ -ljQLo Aoj;fo_ ug]{ o; ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf] 5 . -s_ d'n'ssf] ;du| cfly{s pGglt tyf ;j{;fwf/0fsf] lxtsf] nflu s[lif, pBf]u, Jofkf/, ;]jf, Joj;fo

cflb;Fu ;DjlGwt sfo{sf nflu u'0f:t/Lo / e/kbf]{ lsl;dn] ljQLo ;]jf pknJw u/fpg', -v_ ljQLo ;+:yfsf lgIf]kstf{ tyf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Da4{g ub}{ ;j{;fwf/0fnfO{

u'0f:t/Lo tyf e/kbf]{ ljQLo ;]jf pknAw u/fpg], -u_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Jofj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn Joj;fosf]

:yfkgf, ljsf;, lj:tf/ / Ifdtf Pj\d pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf jfXo >f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'¥ofpg],

-3_ pknJw zLk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg P+jd\ /f]huf/Ld'ns Joj;fosf] :yfkgf, ;~rfng, ljsf;, lj:tf/ P+jd\ k|a4{g ug]{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknJw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg],

-ª_ d'n'sdf 5l/P/ /x]sf] k'FhLnfO{ Plss[t u/L ;+:yfut tyf :j:y k|lt:kwf{sf] dfWodaf6 ljQLo dWo:ytfsf] ;]jf pknJw u/fpg] .

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

ePsf] nufgLsf] c+z -k|ltztdf_ M ;f] gePsf] .

-P_ cGo ljj/0fx?M

-!_ ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx? M sDkgLn] k|bfg ug]{ d'Vo ;]jfx?df lgIf]k ;+sng, shf{ k|jfx, /sdfGt/, /]]ld6\ofG; tyf cGo

a}+lsË ;]jfx? /x]sf 5g\ . ;fy} sDkgLn] nufgLsf] dfWodaf6 cfˆgf] kF"hLsf] ;xL pkof]u ub}{ cfPsf] 5 .

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

;DkGg . -#_ s'g} j|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t

;++:yf;Fu ;DalGwt af}l4s ;DklQ xs clwsf/ M o; sDkgLn] >L g]kfn ;/sf,/ pBf]u dGqfno, pBf]u ljefuaf6 Ohfht k|fKt u/L sDkgLsf]

nf]uf] 6«]8dfs{, af}l4s ;DklQsf] ?kdf btf{ u/]sf] .

-$_ ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M @)&^ cfiff9 d;fGt;Ddsf] tYofÍdf s'n a}+lsË lgIf]kdf sDkgLsf] lx:;f )=#&Ü /x]sf] 5 eg] s'n a}}+lsË If]qsf] shf{ tyf ;fk6 cGtu{t xfn;Dd sDkgLsf] ahf/ lx:;f )=#! Ü /x]sf] 5 . (Source M NRB Reporting & Analytics System- Chaitra 30, 2075- reporting: nrb.org.np) -%_ gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M ;do ;fk]If gofF pTkfbg tyf ;]jfsf] ljsf; u/L ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf]

Jofkf/ lj:tf/ ug]{ of]hgf /x]sf] 5 . -^_ pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M sDkgLn] Jofkf/ Joj;fo a9fpg] x]t'n] sfo{ If]qleq cfjZostf cg';f/ zfvf, pkzfvf vf]nL

b]z el/sf ;DefJo u|fxsx?sf] klxrfg u/]/ cfˆgf] Jofkf/ lj:tf/ ug{ ;Sg] 5 . xfn;Dd sDkgLn] hDdf !* zfvfx? tyf ! PS6]G;g sfp06/af6 a}+lsË ;]jf pknJw u/fpFb} cfPsf] 5 .

5

-&_ pTkfbg÷;+rfng Ifdtf / ;f]sf] pkef]u l:ylt M ljQLo If]qdf nfdf] cg'ej xfl;n ug{' ePsf] ;~rfns÷Joj:yfkg bIftfsf] cfwf/df o;

sDkgLn] :yfkgfsfnb]lv g} ahf/sf] /fd|f] lx:;f cf]u6\g / u|fxsnfO{ /fd|f] ;'ljwf k|bfg ug{ ;kmn /x]sf] b]lvG5 .

-*_ sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M ;f] gePsf] . -(_ u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M :t/Lo a}ls¨ ;]jfsf nflu u|fxs ;]jf ljefu :yfkgf u/L ;+rfngsf ;fy} u|fxs u'gf;f] ;'g'jfO{

8]:s ;d]t /x]sf] . -!)_ cg';Gwfg tyf ljsf; M g]kfnsf] a}+lsË tyf ljQLo If]qdf k|lt:kwf{Tds l:ylt /x]sf] cfhsf] k[i7e"dLdf sDkgLn] cg';Gwfg tyf ljsf;nfO{ pRr k|fyldstfsf ;fy cl3 a9fO{/x]sf] 5 . -!!_ ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] jfwf, Jojwfg M;f] gePsf]. -!@_ dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M ;f]

gePsf] . -!#_ ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M o; sDkgLn] cToflws k|lt:klw{ /x]sf] xfnsf] ljQLo ahf/df ;kmntfk"j{s cfkm\gf] klxrfg

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

! lgIf]k )=#&Ü @ shf{ tyf ;fk6 )=#! Ü

[Source M NRB Reporting & Analytics System- Chaitra 30, 2075- reporting.nrb.org.np] -!$_ k|d'v u|fxsx?sf] ljj/0f -h:t}–;++:yfsf] s"n jflif{s sf/f]af/df !)Ü jf ;f] eGbf a9Ln] of]ubfg

ug{] jf Joj;fosf] nflu ;++:yf s'g} k|d'v u|fxs;Fu lge{/ 5 eg] t\t;DaGwL ljj/0f_ M ;f] gePsf] .

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

-v_ ;DklQsf] ljj/0f M

-c_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M ljj/0f ejg sDKo'6//P;];f]l/h kl/jxg/;fwg cGo hDdf

s'n k/ndf]n 5,058,000.00 17,293,458.70 16,519,633.50 89,353,884.00 128,224,976.20

s'n Xf;s§L 938,227.39 12,967,518.85 10,114,510.08 55,735,178.33 79,755,434.65

a"s Eofn" 4,119,772.61 4,325,939.85 6,405,123.42 33,618,705.67 48,469,541.55

hUuf – – – – 157,700,506.00

k"FhLut lgdf{0f – – – – 0.00

lhnxf]MN8 ;DklQ

– – – – 51,174,761.95

hDdf 4,119,772.61 4,325,939.85 6,405,123.42 33,618,705.67 257,344,809.50

6

pk/f]Qm ;DklQ o; a}+ssf]] /lhi6«f8{ sfof{no Pj+ zfvf sfof{nox?df cjl:yt /x]sf 5g\ . -cf_ a'Fbf -c_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -ldlt

;d]t pNn]v ug'{kg]{_ M dfly pNn]lvt ;DklQx? cfkm\g} :jfldTjdf /x]sf] / lnhdf s'g} ;DklQ glnPsf] . -O_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0f M

;f] gePsf] .

-O{_ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfjL d"No / ahf/ d"No aLr km/s ePdf ;f] sf] ljj/0fM o; sDkgLsf] ;DklQsf] k'gd{'Nof+sg gul/Psf] x'Fbf lstfaL d"No / ahf/ d"No lar km/s gePsf] .

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

-u_ efjL of]hgf tyf /0fgLlt M

-c_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doj4 /0fgLlt M

sDkgLn] t/ntf Aoj:yfkgsf] b[li6sf]0fjf6 cl:y/ k|s[ltsf lgIf]k sd ub}{ nfg] tyf 7"nf lgIf]k tyf ;+:yfut stf{x? dflysf] lg/e/tf sd ug{ :yL/ k|s[ltsf / ;fgf cfsf/sf lgIf]k j[l4 ub}{ n}hfg] /0fgLlt lnPsf] 5 . g]kfn /fi6« a}+ssf] lgb]{lzsfsf] clwgdf /x]/ ;+efJo :yfgx?df yk zfvfx? ;~rfngdf Nofpg] of]hgf ;d]t sDkgLn] agfPsf] 5 . shf{ hf]vLd ljljlws/0f /0fgLltnfO{ cem ;zQ ?kdf nfu" ub}{ l/on :6]6 shf{nfO{ 36fpb} n}hfg], phf{, ko{6g h:tf If]qdf lb3{sfnLg shf{ k|jfx ug]{, ;fFjf tyf Jofh c;'nL sfo{nfO{ yk tLa|tf k|bfg ug]{, sDkgLsf] gLlt, lgod, sfo{ lgb]{lzsfx?nfO{ ;dofg's'n x'g] u/L lg/Gt/ ?kdf kl/dfh{g ub}{ hfg] / sd{rf/Lx? bIftf j[l4sf nflu lgoldt ?kdf cfGtl/s / afXo tflnd k|bfg ug]{ sfo{nfO{ lg/Gt/tf lbO cem bIf hgzlQmsf] ljsf; ug]{ cflb /0fgLlt sDkgLn] lnPsf] 5 .

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

b]zsf] a}+lsË If]qdf xfn cToflws k|lt:kwf{ /x]sf] 5 . g]kfn /fi6« a+}ssf] lgb]{zgfg';f/ a}+s tyf ljQLo ;+:yfsf]] r'Qmf kF"hLdf a[l4 ug'{ kg]{ Joj:yf adf]lhd a+}lsË If]qdf cfPsf] kl/jt{g, lgIf]ksf] t/ntf tyf kmfOgfG;nfO{ cfˆgf] kF"hLdf k|ltkmn sfod /fVg] r'gf}tL h:tf sf/0fx?n] a+}s tyf kmfOgfG;x? jLr k|lt:kwf{ cem a9]sf] 5 . o; kmfOgfG;n] cfˆgf] pNn]Vo If]q cf]u6\g cfˆgf] bL3{sfnLg /0fgLlt nfu" u/L ;f]xL adf]lhd sfo{ ub}{ cl3 a9]sf] 5 . ;f]xL /0fgLlt adf]lhd kmfOgfG;n] zfvf sfof{no, PS6]G;g sfp06/ tyf P6LPd lj:tf/ ug]{, JolQmut / ;fgf tyf demf}nf shf{df j[l4 / rNtL tyf jrt lgIf]kdf j[l4 ub}{ nu]sf] 5 . ;fy}, u|fxssf] ;Gt'li6 tyf cg'ejsf] cfwf/df pRr d"NofÍg ub}{ ;do ;fk]If ?kdf kmfOgfG;sf] sfo{ gLlt kl/jt{g tyf kl/dfh{g ub}{ u|fxsx?nfO{ pTs[i6 a}+lsË ;]jf lbg]] tyf ;f]sf nflu cfjZos kmfOgfG;sf] cfGtl/s sfo{ k|0ffnLnfO{ yk ;/n tyf r':t agfpg] gLlt cjnDag u/]sf] 5 . kmfOgfG;n] lg/Gt/ ?kdf sd{rf/Lsf] sfo{ Ifdtf clej[l4sf nflu cfˆgf sd{rf/Lx?nfO{ ljleGg tflnd k|bfg ub}{ cfPsf] 5 . kmfOgfG;n] cjnDag u/]sf] oxL bL3{sfnLg /0fgLltsf sf/0f kmfOgfG;sf] ljQLo cj:yf tyf d'gfkmf l:y/ /fVgdf 7"nf] 6]jf k'Ug] ljZjf; lnPsf] 5. kmfOgfG;n] cfˆgf] cfGtl/s sfo{ k|0ffnL tyf lgoGq0f k|0ffnLnfO{ yk r':t kfb}{ cfˆgf] nufgLdf /x]sf] hf]lvdx? sd ug{ ;Ifd /x]sf] 5 . ;fy} eljiodf ljQLo If]qdf Ps leGg :yfg cf]u6\g] s'/fdf o; kmfOgfG; b[9 /x]sf] 5 .

-3_ ;~rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M sDkgLsf] lgodfjnLsf] lgod * df ePsf] Joj:yf cg';f/ & -;ft_ hgf ;~rfns ;b:o /x]sf] ;~rfns ;ldlt b]xfo adf]lhd u7g ul/Psf] 5 .

;d"x æsÆ ;+:yfks z]o/wgLx?sf] k|ltlglwTj ug]{ u/L lgjf{lrt÷dgf]gLt ;~rfnsx? # hgf;d"x ævÆ z]o/wgLx?sf] k|ltlglwTj ug]{ u/L lgjf{lrt÷dgf]gLt ;~rfnsx? # hgf;d"x æuÆ g]kfn /fi6« a}+sn] sfod u/]sf] Joj;flos ljz]if1jf6 dgf]lgt ;~rfns ! hgf

hDdf & hgf ;~rfnsx?sf] sfo{sfn $ jif{sf] /x]sf] 5 .

7

;~rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Aoj:yf M

sDkgLsf] lgodfjnLsf] bkmf !# df Joj:yf eP cg';f/ sDkgLsf] ;~rfns x'gsf] nfuL o; sDkgLsf] slDtdf !)) -Ps ;o_ lsQf ;fwf/0f z]o/ lnPsf] x'g' kg]{5 . o;/L z]o/ lng] JolQmn] cfkmgf] z]o/ s'g} Joxf]/fn] s;}nfO{ lwtf]jGws lbPsf] jf /fv]sf] x'g' x'+b}g . t/ g]kfn /fi6« a}+sn] sfod u/]sf] Joj;flos ljz]if1 ;~rfns tyf ljb]zL a}+s jf ljQLo ;+:yf jf ;+ul7t ;+:yfn] a}+sdf nufgL u/L ;~rfns dgf]gog u/]sf] cj:yfdf To:tf] ;~rfnsn] JolQmut x}l;otn] To:tf] z]o/ lng cfjZos x'g] 5}g .

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

-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;++:yfsf] :yfkgf kZrft ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M clws[t k"FhL M a}+s clws[t k"FhL ?= @,)),)),)),))) .– -cIf/]kL b'O{ ca{ dfq_ /x]sf] 5 . pQm k"FhLnfO{ ?= !)) .— sf b/n] @,)),)),))) – -b'O{ s/f]8_ yfg z]o/df ljefhg ul/Psf] 5 . hf/L k"FhL M a}+ssf] hf/L k"FhL ?=**,@!,&@,$)).– -cIf/]kL ?=c7f;L s/f]8 PSsfO; nfv axQ/ xhf/ rf/ ;o dfq_ /x]sf] 5 . ;f] k"FHfLnfO{ ?= !)).– sf b/n] **,@!,&@$ -c7f;L nfv PSsfO; xhf/ ;ft ;o rf}lj;] Yffg_ ;fWff/0f z]o/df ljeflht ul/Psf] 5 . r'Qmf k"FhL M a}+ssf] r'Qmf k"FhL ?=**,@!,&@,$)).– -cIf/]kL c7f;L s/f]8 PSsfO; nfv axQ/ xhf/ rf/ ;o dfq_ /x]sf] 5 .

;+:yfsf] :yfkgf kZrft\ clws[t, hf/L PjF r'Qmf k"FhLdf lgDg adf]lhd kl/jtg{ ePsf] 5 .

cfly{s jif{ clws[t k"FhL -?=_ hf/L k"FhL -?=_ r'Qmf k"FhL -?=_ s}lkmot @)^)÷^! !)),))),)))=)) %),))),)))=)) tTsfn hf/L ul/g] k"“hL

?=@,%,%)),))) –

@)^!÷^@ @)),))),)))=)) !)),))),)))=)) ?=@^,#@(,$))=)) –

@)^@÷^# @)),))),)))=)) !)),))),)))=)) %),%*!,$))=)) –

@)^$÷^% ^)),))),)))=)) #)),))),)))=)) &$,(#%,$))=)) !) k|ltzt af]g; z]o/

@)^%÷^^ ^)),))),)))=)) #@(,#*#,&))=)) #@(,#*#,&))=)) Ps z]o/ a/fa/ # z]o/-!M#_ k|ltzt xsk|b z]o/ hf/L

@)^*÷^( ^)),))),)))=)) #%^,!*^,!))=)) #%^,!*^,!))=)) * k|ltzt af]g; z]o/

@)&)÷&! ^)),))),)))=)) #&$,#(),())=)) #&$,#(),())=)) % k|ltzt af]g; z]o/

@)&!÷&@ !,))),))),)))=)) ^$),$%#,^))=)) $@^,(^(,!))=)) !$ k|ltzt af]g; z]o/ kZrft %) k|ltzt xsk|b z]o/

@)&@÷&# !,))),))),)))=)) ^*%,@*%,$))=)) ^*%,@*%,$))=)) !)=%) k|ltzt af]g; z]o/

@)&#÷&$ @,))),))),)))=)) *)!,&*#,())=)) *)!,&*#,())=)) !& k|ltzt af]g; z]o/

@)&$÷&% @,))),))),)))=)) **@,!&@,$))=)) **@,!&@,$))=)) !) k|ltzt af]g; z]o/

-v_ lgisf;g kl5sf] r'Qmf k"FhL -;d"xs[[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M

C0fkq lgisfzg k"j{ sDkgLsf] z]o/ k"FhLsf] ;+/rgf M ;d"x z]o/wgLx? z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QfgL k|ltzt s ;+:yfks 44,98,069 %)=((% 44,98,06,900.00 Zftk|ltzt v ;j{;fwf/0f -sd{rf/L ;d]t_ 43,23,655 $(=)!% 43,23,65,500.00 Zftk|ltzt 88,21,724 100% 88,21,72,400.00

l8a]~r/ -C0fkq_ xfn g/x]sf] . ;d"x z]o/wgLx? z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QfgL k|ltzt 5}g . 5}g . 5}g . 5}g . 5}g . 5}g .

hDdf 5}g . 5}g . 5}g . 5}g . 5}g .

8

C0fkq lgisfzg kZrft sDkgLsf] z]o/ k"FhLsf] ;+/rgf M ;d"x z]o/wgLx? z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QfgL k|ltzt s ;+:yfks 44,98,069 %)=((% 44,98,06,900.00 Zftk|ltzt v ;j{;fwf/0f -sd{rf/L ;d]t_ 43,23,655 $(=)!% 43,23,65,500.00 Zftk|ltzt 88,21,724 100% 88,21,72,400.00

C0f kF"hL M

ljj/0f r'Qmf /sd -?=_ e'QmfgL k|ltzt !@ Ü cfO=l;=Pkm=l;= kmfOgfG; lnld6]8 l8a]Gr/ @)*# @),)),)),))) lgisf;g k|s[ofdf

hDDff @),)),)),)))

-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft_ M ;f] gePsf] . % ;+:yfks÷;~rfns ;DaGwL hfgsf/L M s_ ;+:yfks÷;~rfnssf] k[i7e"ld M

c_ cfwf/e"t z]o/wgLx? tyf ;~rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej / k|:tfljt Jofkf/÷Joj;fodf cg'ej M

cfwf/e"t z]o/wgLsf] ljj/0f M l;= g+=

z]o/wgLsf] gfd

pd]/

/fli6«ot

7]ufgf

z]o/ :jfldTj

z}lIfs of]Uotf

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

1= k'?iff]Qd kf}8]n %& g]kfnL dxf/fhu~h,

sf7df08f}+ .560,000 cfO{=P= slG6g]g6n 6«]8LË OG6/k|fO{h]h k|f=

ln=sf] ;+rfns

2= o'gfO6]8 l8li6«Ao"6;{ k|f=ln=

nfu' gx'g]

g]kfnL yfkfynL, sf7df08f}+ 345,433 Nffu' gx'g]

ldlt @)^).!.% df sDkgL /lhi6«f/sf] sfof{noaf6 Ohfht k|fKt u/L ljljw j:t'sf] cfoft, vl/b, lalqm, ljt/0f ug]{ .

3= ;'lzn s'df/ kGt ^) g]kfnL sf7df08f}+ ! . #@^,$$*

PnPnla–g]kfn, Pdl;Pn– l8NnL, Pn=Pn=Pd–o";P

dxfGofolwjSQf, h'l/i6 P08 sDkgL n kmd{

4= /fd afa' kGt ^& g]kfnL sf7df08f}+ ! . 282,161 Pd=sd=

g]kfn /fi6« a}+sdf !( aif{ sfo{ ul/ 8]k'6L ueg{/ kbaf6 cjsf; k|fKt / cfO=l;=Pkm=l;= kmfOgfG; ln=df !@ jif{sf] sfo{ cg'ej eO{ k|d 'v sfo{sf/L clws[taf6 cjsf; k|fKt

5= /fh]z pkfWofo %$ g]kfnL sf7df08f}+ . @$^,$)* Pd=la=P= slG6g]G6n 6]«8LË k|f= ln=÷cWoIf

dxfnIdL lasf; a}+s ln=

6= lzj 6]«8 OG6/g]zgn 6]«8;{

nfu' gx'g] g]kfnL t]axfn,

sf7df08f}+ . 203,321 Nffu' gx'g] ldlt @)$%.)!.)# df /lhi6/ eO{ ljljw j:t'x?sf] cfoft lgof{t stf{sf] ?kdf sfo{/t .

7= slG6g]G6n dfs]{l6Ë k|f= ln=

nfu' gx'g] g]kfnL 6]s",

sf7df08f}+ . 165,131 Nffu' gx'g] btf{ g+= !(@*&,)&$.)&% g]kfn 6]lnsdsf] l/rf{h sf8{ ;DalGw sfd

8= bfjf of]~hg %) g]kfnL sf7df08f}+ . !%(,#)$ :gfts Jofkf/ Joj;fosf] cg'ej .

9= k|lj0f s'df/ 9'uf+gf ^% g]kfnL tfxfrn,

sf7df08f}+ .!$#,*(* la=P=, la=Pn= cgs sGi6«S;g s= -k|f_ ln= sf] cWoIf

10= uf]kfn k|;fb bfxfn %* g]kfnL sf7df08f}+ . !@),@&@ :gfts Gff]s/L cy{ dGqfno

11= af]w k|f;b lqkf7L $& g]kfnL sf7df08f}+ . !!*,@@# :gfts z]o/ vl/b lalqm

12= dgf]/df kGt ^% g]kfnL sf7df08f}+ . !)%,)%@ P;=Pn=l;= u[x0fL 13= zf}/e kGt $! g]kfnL sf7df08f}+ . !)),*@% P;=Pn=l;= Jofkf/ Joj;fosf] cg'ej .

14= uf]ljGb zdf{ kf]v/]n ^( g]kfnL gfufh'{g,

sf7df08f}+ .($,^*% OlGhlgo/LË

k"j{ al/i7 sd{rf/L g]kfn ljB't k|flws/0f,

15= ;l/tf cf]emf Gof}kfg] %^ g]kfnL j8f g+= &,

sf7df08}+(),#^& :gfts u[x0fL

9

;~rfnsx?sf] ljj/0f M

qm= ;+=

;+rfnssf] gfd / 7]ufgf

kb

pd]/;d"x

/fli6«otf

z]o/ :jfldTj -lsQf_

z}lIfs of]Uotf

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

!= /fd afa' kGt 1fg]Zj/, sf7df08f}

cWoIf ^& æsÆ g]kfnL @,*@,!^! Pd=sd=

g]kfn /fi6« a}+sdf !( aif{ sfo{ ul/ 8]k'6L ueg{/ kbaf6 cjsf; k|fKt / cfO=l;=Pkm=l;= kmfOgfG; ln=df !@ jif{ sfo{ cg'ej eO{ k|d 'v sfo{sf/L clws[taf6 cjsf; k|fKt

@= Zofd l;+x kf08] s6'~h], eQk'/

;~rfns ^( ævÆ g]kfnL @&,!!@ Pd=P;=l;-tYof¨_

s[lif lasf; a}+sdf @* aif{ sfo{ ul/ k|d'v sfo{sf/L clws[t kbaf6 cjsf; k|fKt

#= ;'zLn s'df/ cof{n, l8NnLahf/, sf7df08f}

;~rfns ^$ æsÆ g]kfnL !$,@!$ aL=P= /fli6«o al0fHo a}+sdf @^ aif{sf] cg'ej eO{ cjsf; k|fKt

$= 6+s/fd uf}td lnv'–^, cf]vn9'Ëf

;~rfns $$ ævÆ g]kfnL !,))) :gftsf]Q/

= !* aif{sf] z}lIfs cg'ej

%= cRo't /fh cfrfo{, ;ftbf]af6f], nlntk'/

;~rfns ^& æsÆ g]kfnL !,^%@ aL=P= g]kfn /fi6« a}+sdf #@ aif{sf] cg'ej eO{ cjsf; k|fKt

^= x]dlzvf hf]zL uu{, sf=d=g=kf—!, sf7df08f}

;~rfns @& ævÆ g]kfnL $,*%% :gftsf]Q/ b OnfO6 dfs]{l6Ë k|f= ln= df sfo{/t

&= /fh]Gb| uf]kfn >]i7 ofFun

:jtGq ;~rfns

&! æuÆ g]kfnL %() Pd= P=

-cy{zf:q_ ljut $) aif{b]lv lq=lj= ljZj ljwfnosf] cy{zf:qsf] k|f]km]];/

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

l;=g+= gfd 7]ufgf z]o/ :jfldTj

!= lg/h gfy kGt e}/j dfu{ %^(, 1fg]Zj/, sf7df08f}+ . 22,266 @= ljqmd lji6 xfl8ufpF %, sf7df08f}+ . 9,539 #= ;/f]hf b]jL a:g]t jlQ;k'tnL #@, sf7df08f}+ . 2,077 $= cld/ gfy e§/fO{ ;f]N6Ldf]8 !#, tfxfrn, sf7df08f}+ . 34,168 %= ;'lznf kf08] nflhDkf6 @, sf7df08f}+ . 9,702 ^= /df uf}td rknL, sf7df08f}+ . 11,135 &= k'?iff]Qd s'df/ cu|jfn sf7df08f}+ . 8,908 *= OGb' bxfn sf7df08f}+ . 5,566 (= sdn gfy ;'j]bL l8NnLahf/, sf7df08f}+ . 353 !)= ;lrg h+u /fodfemL emlD;v]n, nlntk'/ . 596 !!= dgf]h s'df/ 1jfnL wfkf;L, sf7df08f}+ . 920 !@= ;'dg /]UdL zdf{ sflnsf:yfg, sf7df08f}+ . 20,502 !#= ;'/h clwsf/L !!, $# lqk'/]Zj/, sf7df08f}+ . 115 !$= sdn gfy ;'j]bL ## 1fg]Zj/, sf7df08f}+ . 8,257 !%= ;Demfgf l;njfn * a]gL3f6 . 791 !^= b'uf{ gfy Gof}kfg] ! gS;fn, sf7df08f}+ . 6,769 !&= ly/ k|;fb 9sfn !^ gd"gf 8,000 !*= l;tf >]i7 )$ afn'jf6f/, sf7df08f}+ . 25,382 !(= ;Gtf]if lg/f}nf !) afg]Zj/, sf7df08f}+ . 104 @)= cd/ l;+x zfx )$ afn'jf6f/, sf7df08f}+ . 2,230 @!= s[i0f k|;fb kf}8]n !$ sf7df08f}+ . 5,121 @@= cRo't k|;fb s+8]n )( g'jfsf]6, yfgfklt . 26,466 @#= cfnf]s cu|jfn ## d}ltb]jL, sf7df08f}+ . 6,769 @$= lutf kGt kf08] #@ sf7df08f}+ . 4,453 @%= ;'ne gfy kGt ( afg]Zj/, sf7df08f}+ . 64,918 @^= /]vf cu|jfn dWo afg]Zj/ #$, sf7df08f}+ . 17,809

10

@&= o'gfO6]8 l8li6«Ao"6;{ k|f= ln= yfkfynL, sf7df08f}+ . 74,507 @*= zflGt kf08] nflhDkf6 @, sf7df08f}+ . 1,499 @(= w'|j xl/ kf}8\ofn n}grf}/ @(, l/d'jf . 13,914 #)= k|lj0f s'df/ 9'+ufgf tfxfrn, sf7df08f}+ . 1,43,458 #!= k|df]b z/0f >]i7 l8NnLahf/, sf7df08f}+ . 10,250 #@= ;l/tf cf]emf Gof}kfg] & sf7df08f}+ . 68,337 ##= o'gfO6]8 l8li6«Ao"6;{ k|f= ln= yfkfynL, sf7df08f}+ . 2,37,203 #$= s[i0f k|;fb cfrfo{ nugv]n, nlntk/ . 32,993 #%= ?k]Gb| kf}8]n Toun, sf7df08f}+ . 20,828 #^= s]zj k|;fb clwsf/L nugv]n, nlntk'/ . 8,219 #&= >L u0f]z k|f]kfO6/ P08 OGe]i6d]06 yfkfynl, sf7df08f}+ . 74,646 #*= k|'8]lG;on Soflk6n DofGhd]G6 sDkgL k|f= ln= yfkfynL, sf7df08f}+ . 70,587 #(= czf]s s'df/ cu|jfn yfkfynL, sf7df08f}+ . 63,621 $)= k|Hjn Wjh yfkf zflGt6f]n, nlntk'/ . 1,718 $!= ;'ljt cu|jfn sfs/le§f 6f]n, ljtf{df]8 1,718 $@= /lj ljqmd Wjh hf]zL 8Nn' j8f g+= !%, sf7df08f}+ . 6,873 $#= dfg axfb'/ e';fn alQ;k'tnL, sf7df08f}+ . 46,612 $$= 1fg]Gb| k|;fb kf08] ldngrf]s $, sf7df08f}+ . 15,376 $%= dgf]/df kGt tfxfrn !#, sf7df08f}. 79,441 $^= ;f}/e kGt *!/%& d}ltb]jL ##, sf7df08f}+ . 76,021 $&= l/tf kGt d}ltb]jL ##, sf7df08f}+ . 10,250 $*= /fdrGb hf]zL gofF afg]Zj/, sf7df08f}+ . 19,560 $(= OGb' kGt dfnLufpF, sf7df08f}+ . 25,929 %)= sdn]Zj/L kf08] sflGtky, sf7df08f}+ . 13,668 %!= xl/x/ lglw ltjf/L l;kmn, kGgflxl6, sf7df08f}+ . 5,938 %@= ;'hg kGt sf7df08f}+ ## . 35,876 %#= ;dIff gfy kGt sf7df08f}+ ## . 35,877 %$= sNkgf kGt /ftf]k'n !), sf7df08f}+ . 34,168 %%= clDjsf k|;fb kf}8]n a;'Gwf/f xfO6, wfkf;L, sf7df08f}+ . 44,816 %^= pdf lji6 nflhDkf6, sf7df08f}+ . 16,195 %&= ;Gb]z dfgGw/ a|Dx 6f]n, sf7df08f}+ . 6,873 %*= dgf]h s'df/ 1jfnL wfkf;L, sf7df08f}+ . 6,873 %(= uh]Gb| jfUn] sf7df08f}+ . 8,330 ^)= ;lrg h+u /fodfemL emlD;v]n, nlntk'/ . 6,976 ^!= 6s{ /fh cfrfo{ s'df/L6f]n !%, nlntk'/ . 43,038 ^@= s[0f k|;fb kf7s 6f]vf, sf7df08f}+ . 17,813 ^#= z/b lglw ltjf/L l8NnLahf/, sf7df08f}+ . 15,620 ^$= rGb| >]i7 Gof}6, sf7df08f}+ . 31,858 ^%= ;ldgf kf08] 1fg]Zj/, sf7df08f}+ . 38,526 ^^= uf]ljGb zdf{ kf]v/]n gfufh'{g, sf7df08f}+ . 74,626 ^& zlsnf /fodfemL hf]zL a'9flgnu07, sf7df08f}+ . 3,417 ^* pkxf/ /fh l3ld/] cgGtfln+u]Zj/, sf7df08f}+ . 189 ^( ;ldwf kf]v/]n gfufh'{g, sf7df08f}+ . 37,919 &) ;/:jlt >]i7 3§]s'nf], sf7df08f}+ . 44,532 &! /df kGt sf7df08f}+ . 10,250 &@ uf]kfn k|;fb bxfn ;Nofgyfg !(, sf7df08f}+ . 1,02,503 &# dx]z s'df/ led;l/of gS;fn !, sf7df08f}+ . 8,908 &$ uf]s'n k|;fb e§/fO{ afn'jf6f, sf7df08f}+ . 51,252 &% ld/f yklnof d}ltb]jL ##, sf7df08f}+ . 35,625

11

&^ ;'lgn kGt d}ltb]jL ##, sf7df08f}+ . 23,749 && /fd afa' kGt 1fg]Zj/, sf7df08f}+ . 2,09,302 &* ;'lzn s'df/ kGt gS;fn !, sf7df08f}+ . 2,46,870 &( /fh' kGt 3§]s'nf] #@, sf7df08f}+ . 47,667 *) Zofd l;+x kf08] sr'~h], eQmk'/ . 20,502 *! uf]s0f{ k|;fb kf7s s'df/L:yfg, sf7df08f}+ . 4,040 *@ ejfgL kGt d}ltb]jL ##, sf7df08f}+ . 35,625 *# k|df]b 9'+ufgf kGt ?b|dltdfu{, alQ;k'tnL, sf7df08f}+ . 39,801 *$ lzj 6]«8 OG6/g]zgn 6]«8;{ 6]axfn, sf7df08f}+ . 1,53,757 *% s[i0f afa' ltjf/L ;fdfv'zL, sf7df08f}+ . 20,502 *^ /flwsf ljdnL ;/:jlt gu/, sf7df08f}+ . 10,250 *& /ZdL /fh a:ofn sf]l7xjf, ?kGb]xL, a'6jn . 312 ** g/]Gb| bf; >]i7 sf7df08f}+ !& . 6,248 *( k|ldnf b]jL cu|jfn zflGtdfu{ #!, sf7df08f}+ . 11,118 () ;'lw/ s'df/ cof{n l8NnLahf/ #@, sf7df08f}+ . 13,668 (! ;'lzn s'df/ cof{n s'df/L 6f]n #@, sf7df08f}+ . 13,668 (@ Zofd k|;fb >]i7 l8NnLahf/, sf7df08f}+ . 12,298 (# l;tf /fd yklnof afnfh', sf7df08f}+ . 43,936 ($ ;gt k|;fb pkfWofo /f}txt 1 (% ljZj:j/ sf]O/fnf ndh'+Ë 4,008 (^ gGb lszf]/ zdf{ sf7df08f}+ . 8,908 (& af]w k|;fb lqkf7L sf7df08f}+ . 1,18,223 (* x]dGt gfxftf nlntk'/ . 53,685 (( lbg]z cof{n ljb'/ . 6,435 !)) /fh]Gb| s'df/ s]=;L= sf7df8f}+ . 34,168 !)! ljgf]b afa' vgfn sf7df8f}+ . 5,208 !)@ /fh s'df/ yfkf uf]vf{ . 6,000 !)# s[i0f axfb'/ yfkf uf]vf{ . 2,000 !)$ xl/ k|;fb cof{n uf]vf{ . 9,372 !)% s]bf/ k|;fb rfkfufO{ z+v'jf;ef . 20,501 !)^ rGb| axfb'/ yfkf uf]vf{ . 2,000 !)& /fh]z pkfWofo sf7df08f}+ . 1,95,953 !)* k'?iff]Qd kf}8\ofn dxf/fhu+h . 4,52,746 !)( ;'lw|/ /fh l3ld/] r'gb]aL, sf7df08f}+ . 59,776 !!) slG6g]G6n dfs]{l6Ë k|f= ln= 6]s", sf7df08f}+ . 1,24,877 !!! clDjsf Gof}kfg] a'9fgLns07, sf7df08f}+ . 4,453 !!@ u+uf k|;fb ;'j]bL ldgejg, sf7df08f}+ . 10,250 !!# lji0f' dl0f uf}td wfkf;L, sf7df8f}+ . 30,483 !!$ d]wf e§/fO{ nlntk'/ . 41,830 !!% bfjf of]~hd sf7df8f}+ . 1,59,304 !!^ c+z' Kofs'/]n sf7df8f}+ . 19,290 !!& ljhof Kofs'/]n sf7df8f}+ . 7,797 !!* ljgo /]UdL lrtjg . 13,016 !!( dw' k|;fb clwsf/L sf7df8f}+ . 34,166 !@) uf}/j lu/L nlntk'/ . 13,514 !@! cfzf/fd ;'jfn emStk'/ . 6,703 !@@ ljdnf hf]zL sf7df8f}+ . 1,947

hDdf 44,98,069

12

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

qm= ;+=

sDkgL/;+:yfs]f gfd

7]ufgf

;+lIfKt ljj/0f

;~rfnssf] gfd, 7]ufgf

z]o/ :jfldTj -lsQf_

! o'gfO6]8 l8li6«Ao"6;{ k|f= ln=

sf7df08f}+–!! .

Ohfht lbg] ;+:yf / 7]ugf M sDkgL /lhi§f/sf] sfo{no Ohfht g+= @#$%$÷)%(÷)^) Ohfhtsf] k|s[ltM ljljw j:t'x?sf] cfoft, vl/b, laqmL ljt/0f

cg'h cu|jfn ljj]s cu|jfn, yfkfynL–!!, sf7df08f}+ .

74,507

@ >L u0f]z k|f]kfO6/ P08 OGe]i6d]06

sf7df08f}+–!! .

sDkgL /lhi§f/sf] sfo{no btf{ g+= ^!%@&÷)^%÷)^^ o; sDkgLsf] p2]Zo ljleGg sDkgLx?sf] btf{ u/L ;+rfng ug]{, u/fpg] ;d]tsf] nufgL stf{ d'Vo ?kdf sfo{ ug]{ . jrt kqx?, ejgdf nufgL ug]{ hUuf dfq jf 3/ ;d]t /x]sf] hUuf df nufgL ug]{ . z]o/x?df nufgL ug{] tyf laqmL ug]{. k|rlnt sfg'g adf]lhd ;+:yfkgf ePsf sDkgL tyf pBf]ux?nfO{ lnhdf lnO{ ;+rfng ug]{ .

czf]s s'df/ cu|jfn, yfkfynL–!!, sf7df08f}+ .

74,646

# k|'8]lG;on Soflk6n DofGhd]G6 sDkgL k|f= ln=

sf7df08f}+ . k|f=km=/=g+= !($&#.)$$ ;d'b|kf/ cfoft÷lgof{t

czf]s s'df/ cu|jfn ljzfn cu|jfn, clk{t cu|jfn, dw' cu|jfn

70,587

$ lzj 6]«8 OG6/g]zgn 6]«8;{

t]axfn, sf7df08f}+ .

btf{ g+= $$&@$÷)^#÷)^$ :jb]zL jf ljb]zL ;+3 ;:yf tyf JolQm ljz]if ;Fu ldln ljleGg p2]Zosf pTkfbg Pj+ ;]jfd'ns, ;+rf/ k|sfzg tyf d]8Lof, ko{6g d'ns Joj;fo, a}lsË tyf ljQLo, ladf Joj;fo, ljBfno sn]h xfplhË ;+u ;DalGwt sDkgLx?sf] btf{ u/L ;+rfng ug]{, u/fpg] ;d]tsf] nufgL stf{ d'Vo sDkgLsf] ?kdf sfo{ ug]{ . ejgdf nufgL ug]{ hUuf dfq jf 3/ ;d]t /x]sf] hUuf df nufgL ug]{ . C0f kqx?, art kq, z]o/x?df nufgL ug{] tyf laqmL ug]{ .

;'/]z s'df/ cu|jfn yfkfynL–!!, sf7df08f}+ .

1,53,757

% slG6g]G6n dfs]{l6Ë k|f= ln=

6]s", sf7df08f}+ .

btf{ g+= !(@*&,)&$.)&% g]kfn 6]lnsdsf] l/rf{h sf8{ ;DalGw sfd

/fh]z pkfWofo 6]s", sf7df08f}+ .

1,24,877

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

-O_ ;+ul7t ;+:yfsf] ;~rfns cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;~rfns / cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf M ;f] gePsf] . sDkgLsf ;~rfnsx?sf] ;DjGwdf ;~rfnsx?af6 ;"rLs[t ;+ul7t ;+:yfx?sf] ;'zf;g ;DjGwL lgb]{lzsf, @)&$ cg';f/sf k|fjwfgx? tyf sDkgL P]g, @) # sf] bkmf *( sf] pkbkmf -!_ 5 df pNn]lvt k|fjwfgx?sf] k"0f{ ?kdf kfngf ePsf] 5 . -O{_ ;+:yfks/;~rfnssf] xs x:tfGt/0f aGb]h ;DjGwL ljj/0f M z]o/sf] cnfjf l8a]Gr/ tyf cGo lwtf]kqsf] xs x:tfGt/0fdf ;+:yfks/;~rfnsnfO{ s'g} aGb]h g/x]sf] . -p_ lgisf;g ul/g] l8j]Gr/ ;+Vof M o; ljj/0fkq dfkm{t ;ft jif{ cjlw tyf jflif{s !@ k|ltzt Aofhb/ ePsf] k|lt l8j]Gr/ ?=!,)))/- c+lst d"Nosf @ nfv lsQfn] x'g cfpg] @) s/f]8 a/fa/sf] C0fkq dWo] ) k|ltzt cyf{t ! nfv @) xhf/ lsQfsf] s'n ?= !@ s/f]8 C0fk"FhL a/fa/sf] /sd

13

kl/kq ljlwaf6 -Private Placement_ af6 ljqmL ul/g] tyf $) k|ltzt cyf{t *) xhf/ lsQfsf] s"n ?= * s/f]8 C0fk"FhL a/fa/sf] /sd -%% cyf{t $,))) lsQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofOPsf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisf;gaf6 ljqmL ljt/0f ul/g] 5 . -pm_ C0fkq lgisf;g ug]{ ;DjGwdf ;fwf/0f ;efn] u/]sf] lg0f{o tyf ;fwf/0f ;ef ;DkGg eOsf] ldlt M

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

-v_ ;+:yfks/;~rfns;Fusf] sf/f]jf/ M

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

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

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

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

-s_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f M -c_ ;+ul7t ;++:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] u/]sf] sfdsf] cg'ej tyf

;+ul7t ;++:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf] sd{rf/Lx? cGo s'g} ;"rLs[t ;+ul7t ;++:yfsf] cfwf/e"t z]o/wgLsf] ?kdf /x]sf] jf sd{rf/Lx?n] cGo s'g} ;+ul7t ;+:yfdf u/]sf] nufgL ;DaGwL ljj/0f M

qm= ;+=

sd{rf/Lsf] gfd

tx

of]Uotf

lgo'lQm ldlt

sfo{ cg'ej

z]o/ ;+Vof

! ;'lgn kGt k|d'v sfo{sf/L clws[t

Pd=la=P= @)&%.)^.@%

-rf/ jif{ -!((#–!((^_ Plzog 8]enkd]G6 a}+sdf sDk"6/ ;'k/efOh/ kbdf sfo{/t -rf/ jif{ -!((^ b]lv @)))_ g]kfn dr{]G6 a}lsª P08 kmfOgfG; ln= df P8ldlgi6«]6/M l;:6d P08 ck/]6/sf] ?kdf sfo{/t -rf/ jif{ df5fk'R5|] a}+s ln= df @))) b]lv @))$ al/i7 k|aGws kbdf sfo{/t - cfO=l;=Pkm=l;= kmfOgfG; ln=df @))% b]lv @)!& ;Dddf ;xfos dxfk|aGws b]lv Gffoa k|d'v sfo{sf/L clws[t kbdf /xL sfo{ u/L @)!* b]lv k|d'v sfo{sf/L clws[t kbdf sfo{/t /x]sf] .=

# ,##%

14

@ cldt >]i7 gfoj dxfk|aGws

Pd=la=P= @)^$.)(.)*

-Dffr{ @))) – h'nfO{ @))) Dffs]{l6ª OUh's]l6e, rf}w/L u|'k

-@))@ – @))# clkm;/ OGrfh{, ck/]zg P08 SnfOG6 ;le{;];, g]kfn P;=lj=cfO{ a}+s ln=

-@))#– @))^ clkm;/ OGrfh{, 6«]8 kmfOgfG; ÷dfs]{l6ª, g]kfn P;=lj=cfO{ a}+s ln=

-@))^ – @))& l;lgo/ clkm;/ OGrfh{ s|]l86÷6«]8 kmfOgfG;÷l/6]n kmfOgfG;÷ dfs]{l6ª, g]kfn P;=lj=cfO{ a}+s ln=

- cfO=l;=Pkm=l;= kmfOgfG; ln=df @))& b]lv @)!& ;Dd gfoj k|aGws b]lv al/i7 k|aGws kbdf sfo{/t /x]sf] / @)!* b]lv xfn;Dd ;xfos dxfk|aGws kbdf sfo{/t /x]sf] .

@@(

# nId0f k|;fb h};L ;xfos dxf–k|aGws

la=sd -cg;_ Pn=Pn=la

@)^^.)(.@^

-la= cf/= P;= Gof}kfg] P08 sDkgLdf rf/ jif{ -@))) – @))$_ l;lgo/ cl86/sf] ?kdf sfo{/t . -@))$ – @))^ l;4fy{ a}+s ln=df l8kf6{d]G6 x]8 – OG6/gn cl86 P08 sG6f]{n -@))^ – @)!) l;4fy{ a}+s ln=df l8kf6{d]G6 x]8, csfpG6 P08 kmfOgfG; - cfO=l;=Pkm=l;= kmfOgfG; ln=df @)!) b]lv @)!& ;Dddf ;xfos k|aGws b]lv k|aGws kbdf sfo{/t /x]sf] / @)!* b]lv al/i7 k|aGws kbdf sfo{/t /x]sf] .

-

;fy} dfly pNn]lvt sd{rf/Lx? ;"rLs[t ;+ul7t ;+:yfsf] cfwf/e"t z]o/wgLsf] ?kdf g/x]sf] . pRr Aoj:yfksLo txsf sd{rf/Lsf] cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf]

lsQf/o"lg6 tyf /sd M ;'lgn kGt cldt >]i7 nId0f k|;fb hf};L

;+:yfsf] gfd z]o/ lsQf ;+:yfsf] gfd z]o/ lsQf ;+:yfsf] gfd z]o/ lsQfP]kL kfj/ sDkgL lnld6]8

@)

PlU/sNr/n l8EnKd]G6 a}+s %)) cfFv'vf]nf xfO8\f] kfj/ s= ln=

@)

a}+s ckm sf7df8f}+ ln=

@*# a}+s ckm sf7df8f}+ ln= **% cfzf n3'ljQ ljlQo ;+:yf ln=

!)

;]Gr'/L sdl;{on a}+s %! ;]Gr'/L sdl;{on a}+s @,#@^ a}+s ckm sf7df8f}+ ln= ^$% lrlnd] xfO8«f] kfj/ s= ln=

&^( lrlnd] xfO8«f] kfj/ s= ln= #$^ l;len a}+s lnld6]8 !&^

Unf]an cfO= P= dL= a}+s ln=

$^!! l;l6hg a}+s OG6/g]:gn ln=

$$) ;]Gr'/L sdl;{on a}+s #^(

u|fld0f ljsf; n3'ljQ ljlQo ;+:yf ln=

!) Oe/]i6 a}+s lnld6]8 %)) l;l6hg a}+s OG6/g]:gn ln=

#&#

u'F/f; nfOkm OG:of]/]G; s= ln=

@(# kmi6{ dfOs|f]kmfOgfG; n3'ljQ ljlQo ;+:yf ln=

@*! Unf]an cfO= P= dL= a}+s ln= !$!

xfO8«f]OnlS6«l;l6 OGe]i6d]G6 P08 8]EnKd]G6 s= ln=

!) lxdfnog a}+s ln= %&$ u|fld0f ljsf; n3'ljQ ljlQo ;+:yf ln=

!%

cfO=l;=Pkm=l;= kmfOgfG; ln=

!@,%*^ xfO8«f]OnlS6«l;l6 OGe]i6d]G6 P08 l8EnKd]G6 s= ln=

!(! xfO8«f]OnlS6«l;l6 OGe]i6d]G6 P08 8]EnKd]G6 s= ln=

^#^

cfO=l;=Pkm=l;= kmfOgfG; ln= k|df]6/ z]o/

@#,&$( lxdfnog kfj/ kf6{g/ ln= !) s'df/L a}+s lnld6]8 !,$%$

Dff5fk'R5]{ a}+s ln= !,)&@ cfO=l;=Pkm=l;= kmfOgfG; ln= @&@ d]3f a}+s g]kfn lnld6]8 #&!

15

d]/f] dfOs|f]kmfOgfG; n3'ljQ ljlQo ;+:yf ln=

## nlId a}+s lnld6]8 @,@*) Pg= cfO= l;= Plzof a}+s lnld6]8

%%)

Gflan a}+s lnld6]8 !,#!( n'lDalg hg/n OG:of]/]G; ln=

!) g]Zgn nfOkm OG:of]/]G; s= ln=

@@&

g]kfn a}+s lnld6]8 ^, !** nfOkm OG:of]/]G; skf]{/]zg ln=

@&( k|e' a}+s lnld6]8 !,%^)

g]kfn OGe]i6d]G6 a}+s lnld6]8

$$ g]kfn aª\unfb]z a}+s lnld6]8

@& l/8L xfO8«f] kfj/ 8]EnKd]G6 s= ln=

!!

g]kfn OGe]i6d]G6 a}+s lnld6]8 k|df]6/ z]o/

%,(!! g]kfn a}+s lnld6]8 @,))) /;'jfu9L xfO8«f] kfj/ s= ln= $)

Pg= cfO= l;= Plzof a}+s lnld6]8

!,%)@ g]kfn s]|l86 P08 sdl;{on a}+s ln=

!,%)) /fO/fª xfO8«f] kfj/ 8]EnKd]G6 s= ln

!)

g]kfn nfOkm OG:of]/]G; s= ln=

@@ glan OlSj6L km08 #,#*) lz2fy{ a}+s lnld6]8 &^&

Pg= Pd= la= a}+s lnld6]8

!,&!) g]kfn nfOkm OG:of]/]G; s= ln=

#&& :6fG88{ rf68{ a}+s lnld6]8 @)

k|fOd sdl;{on a}+s lnld6]8

$## g]Zgn nfOkm OG:of]/]G; s= ln=

@(^ ;fGh]g hnlj3't s= ln= @)

/;'jfu9L xfO8«f] kfj/ s= ln=

%) Pg= Pd= la=xfOla|8 km08 –! &,**& ;fgf ls;fg n3'ljQ ljlQo ;+:yf ln=

@*

g]kfn Pz=la= cfO{= a}+s lnld6]8

%!@ Pg= Pd= la= z'ne OGe]i6d]G6 km08 – !

!*,@&) :jfledfg n3'ljQ ljlQo ;+:yf ln=

!)

lz2fy{ a}+s lnld6]8 !!,(&% lgw{g pTyfg n3'ljQ ljlQo ;+:yf ln=

&@) ck/ tfdfsf]zL xfO8«f] kfj/ s= ln=

$)

:6fG88{ rf68{ a}+s lnld6]8

@) k|fOd sdl;{on a}+s lnld6]8

!,$^% – –

;fGh]g hnlj3't s= ln=

@) k|e' a}+s lnld6]8 $$) – –

;"o{ nfOkm OG:of]/]G; s= ln= k|df]6/ z]o/

#&,&)# /;'jfu9L xfO8«f] kfj/ s= ln= @) – –

;g/fOh a}+s lnld6]8

#,@#( g]kfn Pz=la= cfO{= a}+s lnld6]8

!,%!! – –

ck/ tfdfsf]zL xfO8«f] kfj/ s= ln=

$) l;4fy{ a}+s lnld6]8 %*$ – –

Jff]dL n3'ljQ ljlQo ;+:yf ln=

!& :6fG88{ rf68{ a}+s lnld6]8 !#)

– –

– – ;f]lN6 xf]6n ln= !,)$$ – – – – lzv/ OG:of]/]G; s= ln= !@# – – – – ;fGh]g hnlj3't s= ln= @) – – – – ;g/fOh a}+s lnld6]8 !! – – – – ck/ tfdfsf]zL xfO8«f] kfj/

s= ln= $) – –

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

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

-O_ sd{rf/Lsf] ;+VofM :yfoL, c:yfoL, s/f/, Hofnfbf/L / cGo M

qm=;+= s"n sd{rf/L ;+Vof :yfoL c:yfoL s/f/ Hofnfbf/L cGo ! !%# !#! !( # – –

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

16

-s_ ;~rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{ k|bfg ul/g] jf ul/Psf] b}lgs tyf e|d0f eQf tyf cGo ;'ljwf M

sDkgLsf] lgodfjnLsf] lgod #@-v_ df ePsf] Joj:yf adf]lhd ;~rfnsx?n] lgDg adf]lhdsf] kfl/>lds tyf ;'ljwfx? k|fKt ug]{5g\ M

;~rfns ;ldltsf cWoIf tyf ;~rfnsx?nfO{ k|lt a}7s qmdzM ?= ,)))÷– ?= %,%))÷– k|bfg ul/g] 5 . sDkgLsf] sfdsf] l;nl;nfdf ;~rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf b]xfo adf]lhd x'g]5 .

sDkgLsf] sfdsf] l;nl;nfdf ljb]z jf :jb]z e|d0f ubf{ ;+rfnsnfO{ k|bfg ul/g] b}lgs tyf e|d0f eQf xf]6n ;"ljwf

tx -!_ o'=P;=8n/ -@_ o'=P;=8n/ -#_ o'=P;=8n/ -$_ ef=? -%_ g]=? cWoIf #%)÷– #))÷– @%)÷– &,)))÷– #,)))÷–

;+rfns #))÷– @%)÷– @))÷– ^,)))÷– #,)))÷–

b}lgs vfgf

tx -!_ o'=P;=8n/ -@_ o'=P;=8n/ -#_ o'=P;=8n/ -$_ ef=? -%_ g]=? cWoIf !%)÷– !%)÷– !%)÷– @,%))÷– @,%))÷–

;+rfns !%)÷– !%)÷– !%)÷– @,%))÷– @,%))÷–

Joj;fo k|jw{g vr{ -Psd'i6_

tx -!_ o'=P;=8n/ -@_ o'=P;=8n/ -#_ o'=P;=8n/ -$_ ef=? cWoIf !,)))÷– &%)÷– &%)÷– @),)))÷–;+rfns !,)))÷– &%)÷– &%)÷– @),)))÷–

-O{_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf ltg hgf clws[tx?sf] gfd, kb / Ps cfly{s jif{sf] cjlw leq pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M

qm=;+=

gfd

kb

Ps cfly{s jif{sf] cjlw leq pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M cfly{s aif{ @)&%÷&

!= ;'lgn kGt k|d'v sfo{sf/L clws[t ?=48,15,645.16@= cldt >]i7 ;xfos dxf k|jGws ?=45,29,039.10#= nId0f k|;fb h}l; k|d'v n]vf clws[t ?=36,82,191.31

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

* cGtlg{lxt hf]lvd tyf ;f] sf] Joj:yfkgsf nflu Joj:yfkgsf] wf/0ff M sDkgLsf] cGtlg{lxt hf]lvdx? lgDgfg';f/ /x]sf 5g\ . -s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvd M s'n ljQLo ;|f]tsf] *) k|ltzteGbf j9L kl/rfng ug{ gx'g] Joj:yf g]kfn

/fi6« a}+sn] lgb]{zg u/]jf6 ljQLo ;|f]t ;fwgsf] cefjjf6 x'g] hf]lvddf sdL /x]sf] .

-v_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M gePsf] . -u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvdM gofF ljQLo ;+:yfsf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g] hf]lvd . -3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 -cost overrun) sf] hf]lvd M gePsf] . -ª_ ljb]zL ljlgdosf] hf]lvd M gePsf] . -r_ sfg"gL k|lqmofx? tyf O{hfht k|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M gePsf] .

17

-5_ If]qLos/0f / ljZjJofkLs/0f -Globalization_ sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M cGt/fl{i6«o ahf/sf] cfly{s dGbLn] k|ToIf

c;/ ljQLo If]qdf kg{ ;Sg] ePsf]n] ;f]af6 x'g] hf]lvdx? . -h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd M g]kfn ;/sf/ tyf

g]kfn /fi6« a}+sn] jt{dfg ljQLo tyf df}lb|s gLltdf k|efj kfg]{ u/L s'g} lg0f{o jf sfg"g nfu" u/]df sDkgLsf] cfodf c;/ kg{ ;Sg]5 . -em_ ;+rfng cg'ejsf] cefj M ldlt @)^!/)#/#! ut]af6 sf/f]jf/ ;+rfng u/]sf]n] ;+rfng Oltxf;sf] nfdf] cg'ej gePsf] . - _ k|fljlwsf] kl/jt{gaf6 x'g ;Sg] hf]lvd M a}lsË k|ljlwdf cfpg] kl/jt{g;+u} xfn k|of]u eO/x]sf] ;k\m6j]o/ tyf xf8{j]o/df ;dofg's'n

kl/dfh{t ug{ k/]df yk vr{ a9\g ;Sg]5 / k|ljlw kl/jt{g cg';f/ sd{rf/Lx? cEo:t geO{ sfo{ ;Dkfbg ug{ sl7gfO{ x'g ;Sg] . t/ sDkgLn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]lvdx?nfO{ dWogh/ ul/ cfjZos tflnd tyf lj1x?sf] ;'emfjx? ;do ;dodf lnO{/x]sf] .

-6_ cGo M

b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]vLdx? . b]zsf] cfly{s cj:yfdf cfpg] ptf/ r9fjaf6 x'g;Sg] hf]vLdx? .

pk/f]Qmfg';f/sf] hf]vLdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf M

sDkgLn] cGtlglxt tyf eljiodf cfpg ;Sg] ljleGg hf]vLdx? -shf{, ahf/ ;+rfng cflb_ sf] klxrfg, cg'udg tyf Joj:yfkg ug]{5 . g]kfn /fi6« a}+ssf] lgb]{zg tyf sDkgLsf] gLlt lgodsf] clwgdf /lx cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfO{ ljleGg hf]vLdx? Joj:yfkg ul/ sDkgLnfO{ pTs[i6 Pj+ ;an ?kdf ;~rfng ul/ nufgLstf{x?sf] lxtsf] ;+/If0fsf nflu cfjZos gLlt, sfo{ljlwx? agfO{ nfu' u/]sf] 5 . o;sf ;Fu}, sDkgLdf /x]sf] hf]vLd Aoj:yfkg ljefun] :jtGq ?kdf hf]vLdnfO{ k|efjsf/L ?kdf lgoGq0f tyf Aoj:yfkg ug]{ sfo{ ug'{sf ;fy} ;do ;dodf hf]vLd lgoGq0fsf] If]qdf eP u/]sf sfo{x?sf] k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 . shf{;Fu ;DjlGwt hf]vLdx?, s'g} klg Joj;fox? ubf{ ;fdgf ug'{kg]{ cGo cGtlg{lxt hf]vLdx? nufot ahf/ / t/ntf, sfo{ ;~rfng, Joj:yfkg / k|lti7f h:tf sDkgLsf] Joj;fo;Fu ;DalGwt hf]vLdx?nfO{ sDkgLn] hf]]vLd Joj:yfkg ;+/rgf4f/f ;ts{tfk"j{s Joj:yfkg ug]{ u/]sf] 5 . hf]vLd Joj:yfkgsf nflu sDkgLn] cjnDag u/]sf l;4fGtx? lgDg lnlvt 5g\ . hf]lvd / k|ltkmn lar ;Gt'ng . cg'zfl;t ;+oldt hf]vLd axg . clVtof/ k|fKt ;ldlt tyf JolQmx?sf] l:js[tL kZrft dfq hf]vLd u|x0f tyf ;f] sf] Joj:yfkgsf nflu plrt ;+/rgf tyf

;fwgx?sf] pknJwtf . efjL hf]vLdx?sf] k"jf{g'dfg tyf hf]vLdx?sf] pko'Qm hfgsf/L . k|ltikwf{Tds Ifdtf clej[l4sf nflu hf]vLdx?sf] s'zn tyf k|efjsf/L Aoj:yfkg Pj+ lgoGq0f . sDkgLn] lg/Gt/ ?kdf k|ljlw kl/jt{gaf6 l;lh{t x'g ;Sg] hf]vLdx?nfO{ dWogh/ ul/ cfjZos tflnd tyf lj1x?sf]

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

sDkgLn] hf]vLd lgoGq0fsf] If]qdf cjnDag u/]sf dfly pNn]lvt gLlt Pj+ pkfox? kof{Kt gx'g ;Sb5g\ o;y{ pNn]lvt ljlwx?n] sDkgLsf] hf]vLdnfO{ k"0f{ ?kdf lgd'{n kfg{ g;s]tf klg Go'lgs/0f ug{ ;kmn x'g] ljZjf; lnPsf 5f}+ . lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]vLd M

?= !))÷– k|lt z]o/sf b/n] lgisfzg ul/Psf] z]o/ d"Non] ;"rLs/0f kZrft\ g]kfn :6s PS;r]Gh lnld6]8df x'g] sf/f]jf/ d"No ghgfpg] ePsf]n] z]o/ d"Nodf x'g;Sg] kl/jt{gsf] hf]vLd /x]sf] 5 .

18

( ljQLo ljj/0f M #=(=! ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M

-s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg lx;fa afF8kmfF8 / gub k|jfx ljj/0f M

cf=j=@)&%/&^ sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF6 lx;fa tyf gub k|jfx ljj/0f NFRS cGtu{t b]xfo adf]lhd k|:t't ul/Psf] 5 M–

jf;nft -cfiff9 #!, @)&^_ -?= xhf/df_

ljj/0f cfiff9 d;fGt @)&^

;DklQ

gub tyf gub ;dfg 3,297,172.16 g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ 413,300.04 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft - Ao"TkGg ljQLo pks/0f - cGo Jofkfl/s ;DklQx? - a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf 541,530.00 u|fxsx?nfO{ lbPsf] shf{ tyf ;fk6L 8,145,519.45 lwtf]kqdf nufgL 1,060,450.85 rfn' cfos/ ;DklQ - ;xfos sDkgLdf nufgL - ;Da4 sDkgLdf nufgL - nufgL ;DklQ 14,076.23 ;DklQ tyf pks/0f 257,344.81 VoftL tyf cd't{ ;DklQ 3,674.47 :yug s/ ;DklQ 12,543.15 cGo ;DklQ 66,397.41 s"n ;DklQ 13,812,008.56

bfloTj

a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 1,450,000.00 g]kfn /fi6« a}+snfO{ ltg{ afFsL 2,497.51 Ao"TkGg ljQLo pks/0f - u|fxsaf6 lgIf]k 10,932,871.50 ltg{afFsL ;fk6L - rfn' cfos/ bfloTj 6,265.60 Joj:yfx? - :yug s/ bfloTj - cGo bfloTj 140,131.81 hf/L ul/Psf] C0fkq - ;'/If0f g/flvPsf] ;xfos cfjlBs bfloTj - s"n bfloTj 12,531,766.42 k"FhL z]o/ k"hL 882,172.40 z]o/ lk|ldod -

19

;+lrt d'gfkmf 145,959.44 hu]8f sf]ifx? 252,110.30 z]o/ wgLx?nfO{ afF8kmfF8 s"n k"FhL 1,280,242.13 u}/ lgolGqt :jfy{ - s"n k"FhL 1,280,242.13 s"n bfloTj / k"FhL 13,812,008.56 ;+efljt bfloTj tyf k|ltj4tf 349,043.32 k|lt z]o/ v'b ;DklQ 145.12

gfkmf gf]S;fg lx;fasf] ljj/0f -cf=j@)&%÷@)&^_ -?= xhf/df_


Jofh cfDbfgL 1,275,441.04 Jofh vr{ 911,173.55 v'b Jofh cfDbfgL 364,267.49 z'Ns tyf sldzg cfDbfgL 94,333.02 z'Ns tyf sldzg vr{ 1,387.25 v'b z'Ns tyf sldzg cfDbfgL 92,945.78 v'b Jofh,z'Ns tyf sldzg cfDbfgL 457,213.27 v'b Jofkfl/s cfDbfgL - cGo ;~rfng cfDbfgL 10,742.58 s"n ;~rfng cfDbfgL 467,955.85 shf{ hf]lvd Joj:yf÷lkmtf{ tyf cGo gf]S;fgL 19,455.81 v'b ;~rfng cfDbfgL 448,500.04 ;~rfng vr{ - sd{rf/L vr{ 143,099.56 cGo ;~rfng vr{ 84,972.66 x|f; s§L / kl/iff]wg 13,008.96 ;~rfng d'gfkmf 207,418.87 u}/ ;~rfng cfDbfgL 202.32 u}/ ;~rfng vr{ - cfos/ cl3sf] d'gfkmf 207,621.19 cfos/ vr{ - rfn' cfos/ 62,460.11 :yug s/ 1,559.96 o; cjlwsf] d'gfkmf 143,601.11 gfkmf afF8kmfF8 - a}+ssf] z]o/ wgL 143,601.11 u}/ lgolGqt :jfy{ - o; cjlwsf] d'gfkmf 143,601.11 k|lt z]o/ cfDbfgL - cfwf/e't k|lt z]o/ cfDbfgL 16.28 8fOn'6]8 k|lt z]o/ cfDbfgL 16.28

20

gub k|jfx ljj/0f -cf=j @)&%÷@)&^_ -?= xhf/df_


sf/f]af/ ;~rfngaf6 gub k|jfx Jofh cfDbfgL 1,086,878.83 z'Ns tyf cGo cfDbfgL 94,333.02 nfef+z k|flKt - cGo ;+rfng cfDbfgL - Jofh vr{ (926,109.44) sldzg tyf z'Ns vr{ (1,387.25) sd{rf/L vr{ (139,792.00) cGo vr{ (84,972.66) ;~rfng ;lDkt / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub k|jfx 28,950.51 ;~rfng ;DalGw rfn' ;DklQdf 36÷-a9_ - g]kfn /fi6« a}+sdf /x]sf] df}Hbft (105,481.04) a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft - cGo Jofkfl/s ;DklQ - a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fkl6 (65,949.00) u|fxsnfO{ lbOPsf] shf{ tyf ;fkl6 (1,676,528.95) cGo ;DklQ (16,300.77) ;~rfng ;DalGw rfn' bfloTjdf -36_÷-a9_ - a}+s tyf ljQLo ;+:yfx?nfO{ lbg'kg]{ afFsL /sd 850,000.00 g]kfn /fi6« a}+snfO{ lbg' kg]{ afsL /sd 2,497.51 u|fxssf] lgIf]k 2,054,301.78 C0f ;fk§L - cGo bfloTj (24,068.84) cfos/ cufl8sf] sf/f]jf/ ;~rfngaf6 v'b gub k|jfx 1,047,421.20 cfos/ e'QmfgL (65,568.54) ;~rfng ultljlwaf6 v'b gub k|jfx 981,852.67

- nufgL sf/f]jf/df gub k|jfx - nufgL vl/b (337,656.73) nufgL ljqmL 12,316.92 ;DklQ tyf pks/0fsf] vl/b (17,909.19) ;DklQ tyf pks/0fsf] ljqmL 429.29 cd"t{ ;DklQsf] vl/b (1,938.40) cd"t{ ;DklQsf] ljqmLaf6 k|flKt - nufgL vl/b - nufgL ljqmL 13,005.96 Jofh cfDbfgL 179,161.00 nfef+z cfDbfgL 7,350.94 nufgL sf/f]af/df v'b gub k|jfx (145,240.21)

21

- ljQLo >f]t sf/f]jf/af6 gub k|jfx - C0fkq lgisfzgaf6 k|fKt - C0fkqsf] e'QmfgL - c;'/lIft bfloTjsf] lgisfzgaf6 k|fKt - c;'/lIft bfloTjdf ePsf] e'QmfgL - zo] / lgisfzgaf6 k|fKt - nfef+z e'QmfgL (69,314.97) Jofh e'QmfgL - cGo cfDbfgL÷vr{ - ljQLo >f]t sf/f]jf/af6 v'b gub k|jfx (69,314.97)

- gub tyf gub ;dfgdf ePsf] v'b 36÷a9 767,297.49 gub tyf gub ;dfgdf /x]sf] z'?jflt df}Hbft 2,529,874.67 gub tyf gub ;dfgdf ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ - gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 3,297,172.16

-v_ ;+rfng cjlw kf+r jif{ JotLt e};s]sf] cj:yfdf ljut kf+r jif{sf] / kf+r jif{ JotLt e}g;s]sf] cj:yfdf ;+rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f M sDkgLsf] cf=j= @)&)÷&!, @)&!÷&@, @)&@÷&# , @)&#÷&$ / @)&$÷&% sf] n]vfk/LIf0f ePsf] ;+lIfKt ljQLo ljj/0f lgDg adf]lhd /x]sf] 5 . jf;nft -?= xhf/df_

ljj/0f cf=j=

@)&)÷&!cf=j=

@)&!÷&@ cf=j=

@)&@÷&# cf=j=

@)&#÷&$ cf=j=

@)&$÷&% bfloTj

!= z]o/ k"FhL 4,26,806 5,07,249 8,01,784 8,81,962 8,82,172 @= hu]8f tyf sf]ifx? 99,040 1,10,792 1,60,788 1,84,666 2,12,433 #= l8a]Gr/ tyf a08 - - - - - $= ltg{ afFls shf{ ;fk6 2,50,000 - 17,00,000 5,22,100 6,00,000 %= lgIf]k bfloTj 42,28,469 43,09,412 59,69,625 67,97,888 88,78,570 ^= e'QmfgL lbg'kg]{ ljnx? 4,121 134 284 428 4,635 &= k|:tfljt gub nfefFz 2,759 2,360 6,131 88,618 70,574 *= cfos/ bfloTj 10,362 - 1,213 16,021 9,374 (= cGo bfloTj 75,341 79,535 95,224 1,26,907 1,51,453

s'n k"FhL tyf bfloTj 50,96,898 50,09,482 87,35,049 86,18,591 1,08,09,211 ;DklQ

!= gub df}Hbft 1,74,238 1,47,065 205,341 2,14,908 2,29,082 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 98,804 2,44,206 1,67,299 2,71,769 3,07,819 #= a}+s / ljQLo ;+:yfdf /x]sf] df}Hbft 12,88,177 7,35,914 5,810 8,479 8,879 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd - - 32,01,071 19,44,965 22,91,913 %= nufgL 69,019 1,02,685 2,51,409 3,65,266 6,74,714 ^= shf{ ;fk6 tyf ljn v/Lb 31,98,061 35,15,831 46,70,574 54,82,780 69,10,637 &= l:y/ ;DklQ 69,522 86,423 79,859 1,71,707 2,54,609 *= u}/ a}lsÍ ;DklQ - - - - - (= cGo ;DklQ 1,99,077 1,77,359 1,53,685 1,58,716 1,31,557

s'n ;DklQ 50,96,898 50,09,482 87,35,049 86,18,591 1,08,09,211

22

gfkmf gf]S;fg lx;fj -?= xhf/df_

ljj/0f cf=j=

@)&)÷&! cf=j=

@)&!÷&@ cf=j=

@)&@÷&# cf=j=

@)&#÷&$ cf=j=

@)&$÷&%!= Jofh cfDbfgL 4,78,062 4,71,749 5,37,819 7,93,503 9,81,182 @= Jofh vr{ 3,09,283 2,86,363 2,80,882 4,65,866 7,08,861 v'b Jofh cfDbfgL 1,68,779 1,85,386 2,56,937 3,27,637 2,72,320 #= sldzg tyf l8:sfpG6 3,005 4,042 4,437 4,475 13,451 $= cGo ;+rfng cfDbfgL 26,933 27,531 38,747 37,116 46,204 %= ;6xL 36j9 cfDbfgL - - - - - s"n ;+rfng cfDbfgL 1,98,717 2,16,958 3,00,121 3,69,229 3,31,975 ^=sd{rf/L vr{ 45,437 47,618 51,450 75,857 85,229 &= cGo ;+rfng vr{ 56,594 59,764 61,722 72,098 84,951 *=;6xL 36j9 gf]S;fg - - - - - ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 96,685 1,09,577 1,86,948 2,21,274 1,61,795 (=;Defljt gf]S;fgL Joj:yfx? 67,645 47,548 69,609 36,432 43,972 ;~rfng d'gfkmf 29,040 62,029 1,17,340 1,84,842 1,17,823 !)=u}/ ;~rfng cfDbfgL/gf]S;fg 86,502 7,234 80,614 66,936 9,335 !!=;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ - 26,436 46,216 54,919 33,290 lgoldt sf/f]jf/af6 ePsf] d'gfkmf 1,15,543 95,699 2,44,170 3,06,697 1,60,448 !@=c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf/vr{ - - -2,870_ - -2,402_ ;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 1,15,543 95,699 2,41,300 3,06,697 1,58,046 !#= sd{rf/L af]g; Joj:yf 10,504 8,700 21,936 27,882 14,368 !$= cfos/ Joj:yf 42,655 28,056 72,532 86,141 45,337 · o; jif{sf] s/ Joj:yf 42,655 16,165 63,068 93,687 56,466 · ut jif{;Ddsf] s/ Joj:yf - 2,986 5,446 1,691 1,264 · o; jif{sf] :yug s/ cfDbfgL/vr{ (11,641) 8,904 4,018 -9,237_ -12,392_ v'b gfkmf/ -gf]S;fg_ 74,025 58,943 1,46,832 1,92,675 98,341

gfkmf–gf]S;fg afF8kmfF8 lx;fj vftf -?= xhf/df_

ljj/0f cf= j=

@)&)÷&! cf= j=

@)&!÷&@ cf= j=

@)&@÷&# cf= j=

@)&#÷&$ cf=j=

@)&$÷&%cfDbfgL

!= ut jif{;Ddsf] ;+lrt d'gfkmf 10,120 1,672 10,339 9,672 16,236 @= o; jif{sf] d'gfkmf 74,025 58,943 1,46,832 1,92,675 98,341 #= ;6xL 36a9 sf]if - - - - - $= nufgL ;dfof]hg sf]if - - 480 - - %= cGo hu]8f sf]if - - - - -

^= z]o/ lk|dLod ;f/]sf - - - 25,794 - &= :yug s/ hu]8f - 8,904 4,018 - -

23

hDdf 84,145 69,519 1,61,668 2,28,141 1,14,576 vr{

!= ut jif{;Ddsf] ;+lrt gf]S;fg - - - - - @= o; jif{sf] gf]S;fg - - - - - #= ;fwf/0f hu]8fsf]if 14,805 11,789 29,366 38,535 19,668 $= e}k/L cfpg] hu]8f sf]if - - - - - %= ;+:yf ljsf;sf]if - - - - - ^= nfef+z ;dLs/0f sf]if - - - - - & sd{rf/L ;DalGw hu]8fx? - - - - - *= k|:tfljt nfef+z -s/ ;d]t_ 2,759 2,360 6,131 88,618 70,574 (= k|:tfljt af]g; z]o/ hf/L 52,415 44,832 1,16,499 80,178 - !)= ljz]if hu]8fsf]if - - - - - !!= ;6xL 36a9 sf]if - - - - - !@= k'hL lkmtf{ hu]8fsf]if - - - - - !#= k'hL ;dfof]hg sf]if - - - - - !$= k/ ;fl/Psf] s/ hu]8f -Deff_ 11,641 - - - - !%= ;fdflhs pQ/bfloTj sf]ifdf ;f/]sf] - - - 1,927 983 !^= sd{rf/L bIftf clej[l4 sf]ifdf ;f/]sf] - - - - 783 !&= nufgL ;dfof]hg sf]if 854 200 - 2,647 257

hDdf 82,473 59,180 1,51,996 2,11,906 92,265 ;l~rt d'gfkmf÷-gf]S;fg_ 1,672 10,339 9,672 16,236 22,311

gub k|jfx ljj/0f

-? xhf/df_ ljj/0f cf= j=

@)&)÷&!cf= j=

@)&!÷&@cf= j=

@)&@÷&# cf= j=

@)&#÷&$ cf=j=

@)&$÷&% s_ sf/f]af/ ;~rfngaf6 gub k|jfx != gub k|flKt 5,35,650 4,91,510 5,96,814 8,21,454 10,32,433 !=! Jofh cfDbfgL 5,05,712 4,62,242 5,47,674 7,79,863 972,778 !=@ sldzg tyf l8isfpG6 cfDbfgL 3,005 4,042 4,437 4,475 13,451

!=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - - - - - !=$ ckn]lvt shf{sf] c;"nL - - - - - !=% cGo cfDbfgL 26,933 25,227 44,703 37,116 46,204 @=gub e'QmfgL (4,31,295) (4,09,615) (4,64,271) (6,72,744) -9,61,884_ @=! Jofh vr{ (2,82,878) (2,52,721) (2,96,098) (4,28,943) -7,12,546_ @=@ sd{rf/L vr{ (42,034) (54,326) (51,095) (79,000) -85,229_ @=# sfof{no ;+rfng vr{ (45,395) (50,474) (53,152) (62,294) -71,851_ @=$ cfos/ e'QmfgL (49,291) (41,590) (55,225) (80,570) -64,377_ @=% cGo vr{ -sd{rf/L af]gz_ (11,696) (10,504) (8,700) (21,936) -27,882_

sfo{ut k"+hL ultljlw clwsf] gub k|jfx 1,04,355 81,895 1,32,544 1,48,710 70,549 ;~rfng ;DalGw rfn' ;Dkltdf sdL÷ -a[l4_

- - - - -

!= dfu tyf cNk ;"rgfdf k|fKt x"g] /sddf sdL÷-j[l4_

- - - 12,56,106 -3,09,261_

@= cGo cNksfnLg nufgLdf sdL÷-j[l4_ 82,568 (27,793) (1,79,366) (75,088) -3,40,564_ #= shf{ tyf ljN; vl/bdf sdL÷-j[l4_ (1,73,207) (3,71,069) (12,13,615) (7,91,797) -14,18,777_

24

$= cGo ;DklQdf sdL÷-j[l4_ (42,334) 34,310 (2,814) 17,847 10,366 ;~rfng ;DalGw rfn' bfloTjdf sdL÷ -a[l4_

- - - - -

!= lgIf]k bfloTjdf -sdL_÷a[l4 (2,95,845) 80,943 16,60,212 8,28,263 20,80,682 @= ;l6{lkms]6 ckm l8kf]lhtdf -sdL_÷a[l4 - - - - -

#= cNksfnLg ;fk6Ldf -sdL_÷a[l4 (3,98,000) (2,50,000) 17,00,000 (11,77,900) 77,900

$= e'QmfgL lbg'kg]{ lanx?df -sdL_÷a[l4 - - - - - %= cGo bfloTjdf -sdL_÷a[l4 6,722 (2,408) 17,573 (7,844) 36,807 sf/f]jf/ ;~rfngaf6 ePsf] s'n gub k|jfx (1,24,051) (4,54,122) 2,114,534 1,98,298 2,07,704 v_ nufgL sf/f]af/df gub k|jfx != z]o/ tyf l8a]Gr/ v/Lb (2,27,602) (52,332) (1,61,192) (1,37,108) -12,856_

@= z]o/ tyf l8a]Gr/ ljqmLaff6 k|fKt /sd 2,63,240 44,740 2,46,446 38,829 - #= l:y/ ;DklQ v/Lb (4,091) (6,919) (5,009) (1,03,008) -96,530_ $= l:y/ ;DklQ ljqmLaf6 k|fKt /sd 361 2,014 3,929 3,277 527

%= d'2tL lgIf]k nufgLdf -sdL_÷a[l4 - - - - - ^= nfef+z cfDbfgL 2,593 3,611 532 1,582 6,363 &= u}/ a}lsË ;DklQ ljqmLaf6 k|fKt /sd - 18,644 39,352 37,470 24,680

*= artkq ljqmLaf6 k|fKt /sd - - - - - (= cGo 30,747 - 12,273 83,551 - nufgL sf/f]af/af6 ePsf] s'n gub k|jfx 65,247 9,758 1,36,331 (75,408) -77,816_ u_ ljlQo sf/f]af/af6 gub k|jfx - - - - != bL3{sfnLg C0f -a08, l8a]~r/ cflb_ df a[l4÷-sdL_

- - - - -

@= z]o/ k"FhLdf a[l4÷-sdL_ 395 163 2,03,831 - 210

#= sN; Og P8efG; - 35,448 - - - $= nfefz+ e'QmfgL (38,416) (2,838) (2,360) (6,184) -79,474_

%= shf{sf] Jofh e'QmfgL (10,297) (22,444) - - - ^= g]kfn /fi6«a}+saf6 k|fKt ;x'lnot÷ k'g/shf{df a[l4÷-sdL_

- - - - -

ljQLo sf/f]jf/af6 ePsf] gub k|jfx (48,317) 10,330 2,01,471 (6,184) -79,264_ 3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{

- - - - -

ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx -s+ v+ u+ 3_

(1,07,120) (4,34,034) 24,52,336 1,16,706 50,624

r_ gub tyf a}+sdf /x]sf] z'?sf] df}Hbft 16,68,339 15,61,219 11,27,185 3,78,450 4,95,157 5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 15,61,219 11,27,185 3,78,450 4,95,157 5,45,780 gf]6 M cf=j= @)&)/&! b]lv @)&$/&% ;Ddsf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fa / gub

k|jfx ljj/0f g]kfn n]vfdfg cg';f/ k|:t't ul/Psf] 5 . -u_ cfly{s jif{ ;dfKt ePsf] dlxgf kZrft ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfk/LIfsaf6 k|dfl0ft

u/]sf] ckl/is[t ljQLo ljj/0f M ;f] gePsf] . -3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M gePsf] . -ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@ dlxgfsf] bfloTj

e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;~rfnsx?sf] wf/0ff M gePsf] . -r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf] ldlt kl5sf] 36gfsf]

jf/]df 5'§} hfgsf/L M gePsf] . -5_ ljut % jif{df ;DklQsf] k'gd"{Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f,

25

-cf_ ;DklQsf] k"gd"{Nof+sg cl3 / kl5sf] lstfjL d"No, -O{_ k"gd"{Nof+sgsf] cf}lrTo M gePsf] . h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M sDkgLsf]] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 M

jf;nft -?=xhf/df_

ljj/0f cf= j= )&^÷&& cf= j=)&&÷&* cf= j=)&*÷&(

;DklQ gub tyf gub ;dfg 3,066,514.55 3,106,862.43 3,588,186.99

g]kfn /fi6« a}+sdf /x]sf] df}Hbft tyf lng' kg]{ 539,320.88 646,682.29 880,991.98

a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft - - -

Ao"TkGg ljQLo pks/0f - - -

cGo Jofkfl/s ;DklQx? - - -

a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf 676,912.50 812,295.00 893,524.50

u|fxsx?nfO{ lbPsf] shf{ tyf ;fk6L 10,340,093.07 12,862,528.35 14,405,505.71

lwtf]kqdf nufgL 1,458,265.85 1,531,179.14 1,607,736.10

rfn' cfos/ ;DklQ - - -

;xfos sDkgLdf nufgL - - -

;Da4 sDkgLdf nufgL - - -

nufgL ;DklQ - - -

;DklQ tyf pks/0f 307,915.20 338,706.72 372,577.39

VoftL tyf cd't{ ;DklQ 4,041.91 4,446.11 4,890.72

:yug s/ ;DklQ 13,797.47 15,177.21 16,694.93

cGo ;DklQ 82,202.40 80,453.64 89,496.00

s"n ;DklQ 16,489,063.84 19,398,330.89 21,859,604.32

bfloTj

a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 1,200,000.00 1,300,000.00 1,350,000.00

g]kfn /fi6« a}+snfO{ ltg{ afFsL - - -

Ao"TkGg ljQLo pks/0f - - -

u|fxsaf6 lgIf]k 13,483,022.10 16,167,057.21 18,274,799.48

ltg{afFsL ;fk6L - - -

rfn' cfos/ bfloTj - - - Joj:yfx? - - -

:yug s/ bfloTj - - -

cGo bfloTj 165,666.57 126,525.47 169,863.22

hf/L ul/Psf] C0fkq 200,000.00 200,000.00 200,000.00

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

s"n bfloTj 15,048,688.67 17,793,582.67 19,994,662.69 k"FhL

26

z]o/ k"hL 952,746.19 1,000,383.50 1,100,421.85 z]o/ lk|ldod - - - ;+lrt d'gfkmf 162,079.53 190,349.38 248,074.25 hu]8f sf]ifx? 325,549.45 414,015.33 516,445.53

z]o/ wgLx?nfO{ afF8kmfF8 s"n k"FhL 1,440,375.17 1,604,748.21 1,864,941.62

u}/ lgolGqt :jfy{ - - -

s"n k"FhL 1,440,375.17 1,604,748.21 1,864,941.62

s"n bfloTj / k"FhL 16,489,063.84 19,398,330.89 21,859,604.32

;+efljt bfloTj tyf k|ltj4tf - - -

k|lt z]o/ v'b ;DklQ 151.18 160.41 169.48

gfkmf–gf]S;fg lx;fa -?= xhf/df_

ljj/0f cf= j= )&^÷&& cf= j=)&&÷&* cf= j=)&*÷&(

Jofh cfDbfgL 1,630,963.86 2,003,486.62 2,321,008.53 Jofh vr{ 1,166,322.81 1,410,534.36 1,625,108.84 v'b Jofh cfDbfgL 464,641.05 592,952.26 695,899.69 z'Ns tyf sldzg cfDbfgL 121,164.33 179,057.73 204,994.78 z'Ns tyf sldzg vr{ 1,525.97 1,678.57 1,846.42 v'b z'Ns tyf sldzg cfDbfgL 119,638.36 177,379.16 203,148.35 v'b Jofh,z'Ns tyf sldzg cfDbfgL 584,279.40 770,331.43 899,048.04 v'b Jofkfl/s cfDbfgL - - - cGo ;~rfng cfDbfgL 11,279.11 11,225.00 12,248.29 s"n ;~rfng cfDbfgL 595,558.52 781,556.43 911,296.33 shf{ hf]lvd Joj:yf÷lkmtf{ tyf cGo gf]S;fgL 38,354.65 40,260.53 31,616.13 v'b ;~rfng cfDbfgL 557,203.87 741,295.90 879,680.20 ;~rfng vr{ - - - sd{rf/L vr{ 163,681.45 204,084.28 231,049.65 cGo ;~rfng vr{ 94,106.97 104,848.03 115,443.52 x|f; s§L / kl/iff]wg 14,309.86 14,410.48 15,740.84 ;~rfng d'gfkmf 285,105.59 417,953.11 517,446.18 u}/ ;~rfng cfDbfgL - - - u}/ ;~rfng vr{ - - - cfos/ cl3sf] d'gfkmf 285,105.59 417,953.11 517,446.18 cfos/ vr{ - - - rfn' cfos/ 83,447.55 122,330.68 151,451.31 :yug s/ 2,084.13 3,055.25 3,782.54 o; cjlwsf] d'gfkmf 199,573.91 292,567.17 362,212.33 gfkmf afF8kmfF8 - - - a}+ssf] z]o/ wgL 199,573.91 292,567.17 362,212.33 u}/ lgolGqt :jfy{ - - -

27

o; cjlwsf] d'gfkmf 199,573.91 292,567.17 362,212.33 k|lt z]o/ cfDbfgL - - ‐

cfwf/e't k|lt z]o/ cfDbfgL 20.95 29.25 32.92 8fOn'6]8 k|lt z]o/ cfDbfgL 20.95 29.25 32.92

gub k|jfx ljj/0f -? xhf/df_

ljj/0f cf= j= )&^÷&& cf= j=)&&÷&* cf= j=)&*÷&(

sf/f]af/ ;~rfngaf6 gub k|jfx

Jofh cfDbfgL 1,395,895.36 1,744,062.25 2,055,173.43

z'Ns tyf cGo cfDbfgL 179,057.73 204,994.78 240,823.05

nfef+z k|flKt - - -

cGo ;+rfng cfDbfgL - - -

Jofh vr{ (1,161,107.51)

(1,404,797.53) (1,618,798.33)

sldzg tyf z'Ns vr{ (1,678.57) (1,846.42)

(2,031.07)

sd{rf/L vr{ (157,973.70) (197,980.07)

(224,511.96)

cGo vr{ (104,848.03)

(115,443.52) (128,451.27) ;~rfng ;lDkt / bfloTjsf] kl/jt{g cl3sf] ;~rfng gub k|jfx 149,345.28 228,989.48 322,203.85

;~rfng ;DalGw rfn' ;DklQdf 36÷-a9_ - - -

g]kfn /fi6« a}+sdf /x]sf] df}Hbft (126,020.85) (338,863.29) (609,222.93)

a}+s tyf ljQLo ;+:yfx?df /x]sf] df}Hbft - - -

cGo Jofkfl/s ;DklQ - - -

a}+s tyf ljQLo ;+:yfx?nfO{ lbOPsf] shf{ tyf ;fkl6

(136,750.00)

(136,750.00) (82,050.00)

u|fxsnfO{ lbOPsf] shf{ tyf ;fkl6 (2,248,032.91) (2,518,030.39) (1,251,037.71)

cGo ;DklQ (12,225.79) 5,685.88 (4,711.53)

;~rfng ;DalGw rfn' bfloTjdf -36_÷-a9_ - - -

a}+s tyf ljQLo ;+:yfx?nfO{ lbg'kg]{ afFsL /sd

(250,000.00) 100,000.00 50,000.00

g]kfn /fi6« a}+snfO{ lbg' kg]{ afsL /sd - - -

u|fxssf] lgIf]k 2,550,150.60 2,684,035.10 2,107,742.27

C0f ;fk§L - - -

cGo bfloTj 4,099.72 4,509.70 4,960.66

cfos/ cufl8sf] sf/f]jf/ ;~rfngaf6 v'b gub k|jfx (69,433.94) 29,576.49 537,884.61

cfos/ e'QmfgL (96,176.82) (123,907.60)

(154,538.47)

;~rfng ultljlwaf6 v'b gub k|jfx (165,610.77) (94,331.11) 383,346.14

- - -

nufgL sf/f]jf/df gub k|jfx - - -

nufgL vl/b

(406,404.63) (62,380.24)

(65,497.25)

28

nufgL ljqmL 13,548.62 14,903.48 16,393.83

;DklQ tyf pks/0fsf] vl/b (36,966.19) (16,896.74)

(18,906.05)

;DklQ tyf pks/0fsf] ljqmL - - -

cd"t{ ;DklQsf] vl/b - - -

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

nufgL vl/b - - -

nufgL ljqmL - - -

Jofh cfDbfgL 250,904.37 259,424.38 265,835.10

nfef+z cfDbfgL 8,104.41 8,509.63 8,935.11

nufgL sf/f]af/df v'b gub k|jfx (170,813.43) 203,560.51 206,760.74

- - -

ljQLo >f]t sf/f]jf/af6 gub k|jfx - - -

C0fkq lgisfzgaf6 k|fKt 200,000.00 - -

C0fkqsf] e'QmfgL - - -

c;'/lIft bfloTjsf] lgisfzgaf6 k|fKt - - -

c;'/lIft bfloTjdf ePsf] e'QmfgL - - -

zo] / lgisfzgaf6 k|fKt - - -

nfef+z e'QmfgL (94,233.41)

(68,881.52) (108,782.32)

Jofh e'QmfgL - - -

cGo cfDbfgL÷vr{ - - -

ljQLo >f]t sf/f]jf/af6 v'b gub k|jfx 105,766.59 (68,881.52) (108,782.32)

- - -

gub tyf gub ;dfgdf ePsf] v'b 36÷a9 (230,657.60) 40,347.88 481,324.56

gub tyf gub ;dfgdf /x]sf] z'?jflt df}Hbft 3,297,172.16 3,066,514.55 3,106,862.43 gub tyf gub ;dfgdf ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ - - -

gub tyf gub ;dfgdf /x]sf] clGtd df}Hbft 3,066,514.55 3,106,862.43 3,588,186.99 ljQLo k|If]k0fsf cfwf/x?

ljj/0f cf= j=

)&^÷&& cf= j=

)&&÷&* cf= j=

)&*÷&( lgIf]kdf a[l4 Ü 23.33% 19.91% 13.04% shf{df tyf ;fk6 a[l4b/ Ü 26.82% 24.12% 11.88% shf{ lgIf]k cg'kft Ü 76.32% 79.66% 78.96% ;~rfng vr{ a[l4b/ Ü 11.00% 10.00% 10.00% cfos/ b/ k|ltzt Ü 30.00% 30.00% 30.00% lgIf]ksf] nfut b/ Ü 9.90% 9.97% 9.69% shf{sf] Aofh cfDbfgL b/ Ü 14.80% 14.65% 14.67% lglis[o shf{ k|ltzt 0.45% 0.50% 0.55% clgjfo{ gub df}Gbft -CRR) Ü 4.00% 4.00% 4.00% a}wflgs t/ntf cg'kft -SLR) Ü 23.93% 21.76% 21.25% k"FhLsf]if cg'kft -CAR_ Ü 11.84% 11.21% 11.40%

29

dfly pNn]lvt ljQLo k|If]k0fsf cfwf/sf] cf}lrTo k'li6 x'g] ljj/0fx? M

cf=a @)&%÷)&^ df a}s tyf ljQLo ;+:yfx?sf] lgIf]kdf !& k|ltzt / shf{ nuflg !* k|ltzt a[l¢ ePsf] 5 . To;} u/L cf=a @)&%÷)&^ df o; ;+:yfsf] lgIf]kdf @#=!# k|ltzt / shf{ nufgL @$=%( k|ltzt a[l¢ ePsf] 5 . cl3Nnf cfly{s aif{x?df /x]sf] cToflws t/ntfsf] rfk cfufdL aif{x?df ;xh x'b} hfg] tyf C0f of]Uo k"FhLdf ;f]xL cg'?kdf a[l¢ x'g] cg'dfg ;lxt ljlQo ljj/0f k|If]k0f ul/Psf] 5 . ;+:yfsf] gLlt cGt/ut zfvf ;Grfngdf x'g] a[l¢ tyf sDkgLn] pknAw u/fpg] gofF lgIf]k of]hgfx?nfO{ ;d]t Wofgdf /fvL lgIf]k k|If]k0f ul/Psf] 5 . lgofds lgsfoaf6 hf/L lgb]{zgleq /x]/ lgIf]k k/Lrfng lgb]{lzsf cg';f/ shf{ nufgL ug]{ k|If]k0f ul/Psf] 5 eg] sfod ug'{kg]{ Aofh cGt/nfO{ Wofgdf /fvL Aofh vr{ tyf cfDbfgL hgfOPsf] 5 . k|If]lkt ljQLo ljj/0f ;+:yf cfkm}n] cfˆgf] bL3{sflng /0fgLlt cg';f/ tof/ kf/]sf] xf] . ;+:yfn] b]zsf] cfly{s cj:yf, a}s tyf ljQLo ;+:yfx?sf] ca:yf tyf laleGg lgodgsf/L lgsfox?sf] lglt tyf Joj:yfx?sf] ;'Id ?kdf cWoog u/]/ cfˆgf] bL3{sflng /0fgLlt tof/ u/L nfu' u/]sf] 5 . ;f] /0fgLlt cg';f/ zfvf a[l¢ ug]{ gofF lgIf]k of]hgfx? Nffu' ug]{, gofF gofF If]qdf shf{ k|afx ug]{, Fee Base income nfO{ a9fpb} nUg] / Aofh cfDbfgL cGt/nfO{ Wofgdf /fvL cfˆgf] k|If]lkt ljQLo ;'rfËsx? xfl;n ug]{ laZjf; lnPsf 5f} .

b|i6Jo M o; cfly{s tyf ljQLo k|If]k0f / ljZn]if0f ljut jif{x?sf] sf/f]jf/sf] cfwf/df lgisf;gstf{ sDkgL

cfkm}n] tof/ kf/]sf] xf] . pQm k|If]lkt ljQLo ljj/0fx? k'g/fjnf]sg u/L oyfy{ k/s ePsf] Joxf]/f ;lxtsf] /fo JoQm ug]{ ljz]if1df >L ;'/]z P08 P;f]l;o6\;, rf6{8{ Psfp06]06\;sf rf6{8{ Psfp06]06 >L ;'/]z rGb| >]i7 sf7df08f}+ x'g'x'G5 .

-v_ ljQLo cg'kft ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] ;+rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ JotLt e}g;s]sf] cj:yfdf ;+rfng cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL -EPS_ k|lt z]o/ g]6jy{ tyf g]6jy{df cf};t k|ltkmn lgDgfg';f/ 5 .

ljj/0f

jf:tljs k|If]lkt* cf=j=

@)&#÷&$ cf=j=

@)&$÷&%cf=j=

@)&%÷&^ cf= j=

)&^÷&& cf= j=

)&&÷&* cf= j=

)&*÷&( k|lt z]o/ cfDbfgL-EPS_ 24.03 11.15 16.28 @)=(% @(=@% #@=(@

-v_ ljut # jif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M ljj/0f jf:tljs -?=xhf/df_ k|If]lkt*-?=xhf/df_

cf=j= @)&#÷&$

cf=j= @)&$÷&%

cf=j= @)&%÷&^

cf= j= )&^÷&&

cf= j= )&&÷&*

cf= j= )&*÷&(

k"FhL 8,81,962 8,82,172 8,82,172 9,52,746 10,00,384 11,00,421

hu]8f tyf sf]if 1,84,666 2,12,433 3,98,070 4,87,628 6,04,364 7,64,519

36fpg] ckn]vg ug{ afFsL vr{ - - - - - - hDdf g]6jy{ 10,66,628 10,94,605 12,80,242 14,40,375 16,04,748 18,64,941

z]o/ ;+Vof -xhf/df_ 8819 8821 8821 9527 10003 11004

k|lt z]o/ g]6jy{ ?= !##=)# !@$=)* !$%=!@ !%!=!* ! )=$! ! (=$*

k|lt z]o/ cfDbfgL-EPS_ @$=)# !@=* ! =@* @)=(% @(=@% #@=(@

g]6jy{df cf};t k|ltkmn -%_ 18.06 8.98 10.94 13.86 17.93 19.21 ljut # jif{sf] -n]vfk/LIf0f ePsf]_ g]6jy{df ePsf] cf}ift k|ltkmn M !@=^^% * k|If]lkt ljQLo ljj/0f sDkgL cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? >L ;'/]z P08 P;f]l;o6\;,

Psfp06]06\;sf rf6{8{ Psfp06]06 >L ;'/]z rGb| >]i7n] k|dfl0ft ug'{ ePsf] 5 . ** cfly{s jif{ @)&)/&! b]lv @)&$/&% ;Ddsf] *** cfly{s jif{ @)&%/&^ sf] afXo n]vfkl/If0faf6 k|dfl0ft ePsf] ljQLo ljj/0fsf] cfwf/df u0fgf ul/Psf] 5 .

30

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

-s_ lwtf]kq hf/L ug'{sf] p2]Zo M sDkgLn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwnfO{ lj:tf/ ug{sf nflu cfjZos k"FhL

;+sng ug{ .

sDkgLsf] k|aGwkq tyf lgodfjnLdf pNn]v ul/Psf p2]Zox? cg'?k ug'{kg]{ sfd sf/f]af/sf nflu cfjZos kg]{ k"FhL h'6fpg .

sDkgLsf] kF"hLsf]if j[l4 ug{ .

-v_ lwtf]kq lgisf;gaf6 k|fKt k"FhLsf] pkof]u M

-c_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ k|of]u ug]{ If]q ;DaGwL ljj/0f M sDkgLn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/

ug{sf nflu cfjZos k"FhL ;+sng ug]{ . sDkgLsf] k"/s k"FhLsf]if -Suppliementary Capital_ a[l4 ug{ . k|jGwkqdf pNn]v ul/Psf p2]Zo cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{ k"FhL h'6fpg . cfufdL lbgdf sDkgLsf] shf{ tyf nufgL kl/rfngdf cfjZos kg]{ k"FhLsf] nflu pkof]u

ug{ . shf{ sf/f]jf/ a[l4 x'Fb} uPkl5 hf]lvd efl/t ;DklQ klg o;} cg';f/ a[l4 x'Fb} hfg] ePsf]n]

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd hf]lvd efl/t ;DklQsf] cfwf/df /fVg' kg]{ Go"gtd k"FhL sf]if sfod /fVg r'Qmf k"FhL a[l4 ug'{ kg]{ ePsf] .

C0fkq hf/L kZrft k|fKt /sdaf6 o; sDkgLn] gofF kl/of]hgfx?df nufgL a9fpg] tyf lj:tf/sf] nflu bL3{sfnLg b[li6sf]0f Pj+ k|lt:kwf{Tds eO{/xg pko'Qm b]lvP adf]lhd sDkgLsf] l:y/ ;DklQ ;[hgf ul/ a[l4 ub}{ nlug]5 .

o;/L k|fKt x'g] /sdaf6 sDkgLn] ug]{ ul/Psf] lgIf]k tyf shf{ sfo{qmd nufot cGo ;]jf Joj;fosf] k|j4{gsf nflu klg vr{ ul/g]5 .

C0fkq lgisf;g u/L k|fKt x'g] k"FhL sDkgL P]g, g]kfn /fi6« a}+s P]g tyf cGo k|rln;t sfg"gsf] clwgdf /xL sDkgLsf] Joj;flos k|of]hgdf pkof]u ul/g]5 . C0fkq hf/L u/L k|fKt x'g] C0f k"FhLsf] pkof]u ;DjGwdf b]xfo cg';f/ pNn]v ul/Psf] 5 .

-cf_ ;fj{hlgs lgisfzg ul/g] lwtf]kq k"0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] p2]Zo k|flKt ug{sf] nflu ckgfOg]

j}slNks Joj:yf M ;fj{hlgs lgisf;g ul/g] lwtf]kq k"0f{ ?kdf ljqmL gePdf ;fj{hlgs lgisf;gsf] p2]Zo k|flKt ug{sf] nflu JolQmut

tj//kl/kq ljlwaf6 ljqmL ul/g]5 . -O_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f ;dfKt

e};s]sf] eP ;f] ;DaGwL ljj/0f M gePsf] . -O{_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'? x'g] / k"0f{ Joj;flos pTkfbg z'? x'g] cg'dflgt ldlt M gePsf] . -p_ ;+ul7t ;+:yfn] s'g} pks/0f v/Lb u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d"No jf k|:tfljt d"No, ;Knfo;{sf] gfd /

;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d"Vo d"Vo a"Fbfx? M gePsf] . -pm_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf ul/Psf] eP ;f]

sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M gePsf] . -P_ pTkfbg ;DaGwL cfof]hgf eP, ;f] sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d"x, pTkfbg Ifdtf, ljut jif{x?sf] Ifdtf pkef]u

jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M gePsf] . -P]_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]t M gePsf] . -cf]_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M gePsf] . -cf}_ ;fj{hlgs lgisfzgsf nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Ns ;DaGwL ljj/0f M

qm=;+= ljj/0f k|ltzt /sd -?=_ != shf{ tyf ;fk6 ()% !*,)),)),)))=))@= nufgL !)% @,)),)),)))=)) @),)),)),)))=))

31

-!_ lgisfzg tyf laqmL k|aGws M

o; ljj/0fkq dfkm{t ;fj{hlgs ?kn] ;j{;fwf/0fdf laqmL ul/g] l8a]Gr/ lgisf;g tyf laqmL k|aGws ;DaGwL sfo{sf nflu lgo'Qm Unf]an cfOPdO{ SofkL6n lnld6]8, hdn, sf7df8f}++nfO{ pQm ;]jf k|bfg u/] afkt Psd'i7 ?=!,)),)))/- ;]jf z'Nssf] ?kdf lbOg]5 .

-@_ 6«li6 -l8j]Gr/÷a08 lgisfzgsf] xsdf_ M l8a]Gr/ 6«i6Lsf] ;]jf k|bfg u/] jfkt >L Unf]an cfOPdO{ SofkL6n ln=, hdn, sf7df8f}++nfO{ jflif{s ?=!%,)))÷– -cIf/]kL kG3| xhf/ ?k+}ofF dfq_ ;]jf z'Nssf] ?kdf lbOg]5 .

-#_ qm]l86 /]l6Ë z'Ns M s]o/ /]l6Ë g]kfn lnld6]8nfO{ C0fkq lgisf;gsf] nflu qm]l86 /]l6Ë ;]jf k|bfg u/] jfkt Eof6 ;d]t Psd'i7 ?=!,^(,%))÷– -cIf/]kL Ps nfv pGg;t/L xhf/ kf“r ;o dfq_ / k|To]s jif{ C0fkq cjlw;dsf nflu aSof}tf lgisfzg /sdsf] )=)! k|ltzt jf sDtLdf ?=%),)))÷– -cIf/]kL krf; xhf/ dfq_ b'j} dWo] h'g sd x'G5, ;f] /sddf jflif{s ;]jf z'Nssf] ?kdf lbOg]5 . -$_ k|Tofe"ltstf{ M ;f] gePsf] .

-%_ lj1x? M

o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df sDkgL cfkm}+ /x]sf] 5 / o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] egL k|dfl0ft ug]{ ;'/]z P08 P;f]l;P6, rf6{8{ Psfp06]06\;sf rf6{8{ Psfp06]06 >L ;'/]z rGb| >]i7, k'tnL;8s, sf7df08f}+ x'g'x'G5 . ;f] sfo{sf] s"n ?==@*,@%)÷– -d'No clej[4L s/ afx]s_ k|bfg ul/Psf] .

- _ n]vfkl/Ifs M o; l8j]Gr/ lgisfzgsf] nfuL n]vfkl/IfsnfO{ s'g} lsl;dsf] e'Qmfg k|bfg gul/Psf] .

-&_ cGo M gePsf] .

-u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ k"j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tT;DaGwL ljj/0f M ;f] gePsf] .

-3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf lk|ldod yKg' kg]{ sf/0f / cf}lrTo M ;f] gePsf] .

8_ lwtf]kqsf] afF8kmfF6, lkmtf{ e'QmfgL tyf ;"rLs/0f ;DaGwL Joj:yf M

-c_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmFf6sf] k|s[of, o; ljj/0fkq4f/f ;j{;fwf/0f tyf kl/kq ljlw dfkm{t hf/L ul/Psf] C0fkq v/Lbsf nflu cfjZoseGbf cTolws dfu eO{ b/vf:t k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ C0fkqx? afF8kmfF6 ul/g]5 . olb lgisfzg ul/Psf] C0fkqsf] ;+VofeGbf sd C0fkq vl/bsf] nflu b/vf:t k|fKt x'g cfPdf sDkgL P]g, @) #, g]kfn lwtf]kq af]8{sf] k|rlnt Joj:yf tyf lgb]{zg adf]lhd ;~rfns ;ldltn] lg0f{o u/L ljqmL ljt/0f tyf afF8kmfF6 ul/g]5 . s'g} Ps ;d"xaf6 lgisfzg ul/Psf] C0fkqeGbf a9Lsf] cfj]bg k|fKt eO{ csf]{ ;d"xdf lgisfzg ul/P eGbf sd C0fkq v/Lbsf nflu cfj]bg k|fKt x'g cfPdf a9L dfu eP a/fa/sf] C0fkq csf]{ ;d"xdf yk u/L afF8kmfF6 ul/g] 5 .

-cf_ cTolws dfu ePsf] jf afF8kmfF6 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joj:yf M ælwtf]kq vl/b -;fj{hlgs lgisf;g_ ;DjGwL lgb]{lzsf, @)&#Æ cg'?k l;-cf:jf -C-ASBA_ ;b:o a}+s tyf ljQLo ;+:yfaf6 dfq cfj]bg lbg ;Sg]5 / cfj]bsx?sf] ;DjlGwt a}+s tyf ljQLo ;+:yfn] g} afF8kmfF6df gkg]{ nufgLstf{sf] lwtf]kq v/Lbsf] cfj]bg adf]lhd /f]Ssf /fv]sf] vftfsf] /sd dfq /f]Ssf km's'jf ul/ lbg]5 .

32

-O_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Jofhb/ M pk/f]Qm Joj:yf l;-cf:jf-C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf nfu' x'g] 5}g . kl/kq ljlwaf6 cfj]bg lbg] cfj]bsx?sf] xsdf cfj]bg lbPsf] ldltb]lv afF8kmfF6 ePsf] ldlt;Dd sDkgLn] tf]s] adf]lhdsf] Aofh e'QmfgL lbOg]5 .

-O{_ lwtf]kq afF8kmFf6 tyf k|df0fkq hf/L ;DjGwL k|s[of / ;dofjlw M o; ljj/0fkq cg';f/ hf/L ul/Psf] C0fkqx? lwtf]kq btf{ tyf lgisf;g lgodfjnL, @)&# tyf lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df ePsf] Joj:yf cg';f/ lgwf{l/t ;doleq afF8kmfF6 u/L k|rlnt Joj:yf cg';f/ lgwf{l/t cjlwleq afF8kmfF6af6 sfod ePsf C0fkqwgLnfO{ lghx?sf] l8Dof6 vftfdf hDdf ul/g]5 . ;fy}, C0fkqwgLx?n] k|To]s cw{jflif{s cjlwdf k|fKt ug]{ Aofhsf] lx;fjsf nflu Aofhb/sf] s'kg k|bfg ul/g]5 / ;f]xL sk'gdf pNn]v eP adf]lhd C0fkqwgLx?nfO{ Aofh e'QmfgL ul/g] 5 .

-p_ lwtf]kq ;"rLs/0f eO{ ;s]sf] eP, To:tf] lwtf]kq ;"lrs/0f ul./Psf] lwtf]kq ahf/sf] gfd / lwtf]kqsf] sf/f]jf/ z'? x'gsf] nflu ;+ul7t ;+:yfn] k"/f ug{'kg]{ zt{x? ;DjGwL ljj/0f M >L g]kfn :6s PS;r]Gh lnld6]8df cfO=l;=Pkm=l;= kmfOgfG; lnld6]8sf] z]o/ ldlt @)^$.)^.@* df ;"lrs/0f eO{ sf/f]af/ eO{/x]sf]5 .

-pm_ lwtf]kq ;"rLs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kq k|rlnt P]g lgod cg';f/ ;xh v/Lb, laqmL jf ljlgdo x'g ;Sg] u/fpgsf nflu ul/g] Joj:yf ;DjGwL ljj/0f M o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&# tyf k|rlnt lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ ;DjGwL Joj:yf cg';f/ C0fkqsf] afF8kmfF6 u/] kZrft g]kfn :6s PS;r]Gh ln= tyf l;l8P; P08 lSnol/Ë lnld6]8df k|rlnt Joj:yf cg';f/ ;"lrs/0f tyf btf{ u/fO{ C0fkq vl/b tyf /fkm;fkmsf] nflu cfjZos Joj:yf ldnfOg]5 .

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

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

-cf_ lwtf]kq k|Tofe"ltstf{;+u ul/Psf] ;Demf}tfsf] d'Vo d'Vo j'+bfx? M ;f] gePsf] .

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

-c_ lwtf]kqjfnfsf] clwsf/ tyf k|ltjGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g ug]{ k|s[of tyf tyf lwtf]kqsf] vf/]hL cflb ;DjGwL ljj/0f M lwtf]kqjfnfsf] clwsf/ tyf k|ltjGwfTds Joj:yfx? h:t} dtflwsf/, lwtf]kqjfnfsf] clwsf/df kl/jt{g gug]{ k|s[of tyf lwtf]kq vf/]hL cflb ;DjGwL Joj:yf k|rlnt sfg"g adf]lhd x'g]5÷ul/g]5 . ;fy} o; ljj/0fkq dfkm{t lgisfzg ul/Psf] C0fkq vl/bsf] nflu cfj]bg u/L C0fkq afF8kmfF6 eP kZrft sfod C0fkqwgLx?n] sDkgLsf] jflif{s ;fwf/0f ;efdf efu lng / dtbfg ug{ kfpg] 5}gg\ .

-cf_ lgodfjnL, k|jGwkq k|fKt ug]{ jf x]g{ ;lsg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly lng] ePdf s'g u'0ff‹df lng ;lsg] xf] ;f] ;DjGwL ljj/0f M != sDkgLsf] k|aGw—kq tyf lgodfjnL sDkgLsf] skf]{/]6 sfof{no !,$@% ly/ad ;8s @, ef6e6]gL, sf7df08f}+ / o; lgisfzg sfo{sf nflu lgo'Qm lwtf]kq lgisfzg tyf laqmL k|aGws Unf]an cfOPdO{ SofkL6n lnld6]8, hdn, sf7df8f}++}+df sfof{no ;doleq ;Dks{ /fvL k|fKt ug{ ;lsg] 5 .

@=o; ljj/0fkq dfkm{t lgisfzg ul/g] C0fkq vl/bsf nflu b/vf:t lb+bf b/vf:tjfnfn] Go"gtd @% -kRrL;_ lsQf / @% -kRrL;_ lsQfeGbf a9L C0fkq vl/b ug{sf nflu ! c+ssf] u'0ffÍdf clwstd ;Dk"0f{ lsQf C0fkq vl/b ug{sf nflu b/vf:t lbg ;lsg]5 .

#=o; ljj/0fkq dfkm{t lgisf;g ul/g] C0fkq vl/b ug{sf nflu b/vf:t lb+bf b/vf:tjfnfn] b/vf:t;fy cfkm"n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?=!,)))/- sf b/n] x'g cfpg] Psd'i7 /sd g]kfn lwtf]kq af]8{af6 Ohfhtkq k|fKt l;-cf:jf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfdf hDdf u/L cfj]bg lbg ;Sg]5g\ .

33

-O_ cfj]bg lb+bf kfng ug{'kg]{ zt{ aGb]hx? M JolQmut tj//kl/kq ljlwaf6 cfj]bg lb+bf kfngf ug'{kg]{ zt{ tyf aGb]hx? M

!= s'g} klg g]kfnL gful/s tyf ;+ul7t ;+:yfn] o; ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg ;Sg]5g\ . cfj]bsn] cfkm'n] lng rfx]sf] C0fkq, clwstd l;df v'Ng] ul/ o;} C0fkqsf] ljqmL k|aGwsnfO{ lnlvt ?kdf lgj]bg k]z ug'{ kg]{5 . @= cfj]bg lb+bf cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vof / To;sf] /sd v'nfO{ cfj]bg lbg'kg]{5 . #= cfj]bg kmf/ddf cfj]bssf] k'/f gfd -g]kfnL tyf c+u|hL b'j}df_ eg'{ kg]{5 . $= cfj]bsn] cfj]bg;fy cfkm'n] vl/b ug{ rfx]sf] C0fkq ;+Vofsf] k|lt C0fkq ?=!,)))/- sf] b/n] x'g cfpg] /sd a/fa/sf] Unf]an cfOPdO{ SofkL6n ln= sf] gfddf lvlrPsf] Psfp06 k]oL r]s ;+nUg ug'{ kg]{5 . o;/L r]s dfkm{t /sd a'emfpg' x'g] cfj]bsx?n] cfj]bgdf ;f] r]ssf] gDa/ / r]ssf] k5fl8 cfj]bssf] gfd clgjfo{ ?kdf v'nfpg' kg]{5 . %= sDkgL jf ;+:yfsf] C0fkqsf nflu cfj]bg lb+bf sDkgL jf ;+:yfsf] btf{ k|df0fkqsf] k|ltlnlk / nufgL ug]{ ;DjGwdf ;~rfns ;ldltsf] lg0f{o ;dfj]z u/]sf] x'g'kg]{5 . = ?=!),)),)))/- ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f] eGbf a9L /sdsf] nflu cfj]bg lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cf gf] :yfoL n]vf gDa/ -PAN) v'nfpg'kg]{5 . o; cltl/Qm ?=!),)),)))/- jf ;f] eGbf a9L /sdsf nflu cfj]bg lbg] cfj]bsx?n] cfkm"n] cfj]bg lb+bf hDdf u/]sf] /sd ;DklQ z'l4s/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 . ;j{;fwf/0f tkm{af6 cfj]bg lb+bf kfngf ug'{kg]{ zt{ tyf aGb]h? M != s'g} klg g]kfnL gful/s tyf ;+ul7t ;+:yfn] o/ ljj/0fkq cg';f/ hf/L ul/g] C0fkq vl/b ug{ cfj]bg lbg ;Sg]5g\ . @= cfj]bg lb+bf cfkm"n] cl/b ug{ rfx]sf] C0fkq ;+Vof / To'sf] /sd v''nfO{ cfj]bg lbg'kg]{5 . #= b/vf:t cfj]bg lb+bf l;-cfZjf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t cfj]bg kmf/d a'emfpg' kg]{5 / ;f] ;+:yfaf6 pknAw u/fO{g] cfj]bg kmf/ddf pNn]lvt ;Dk"0f{ ljj/0fx? :ki6 ?kdf pNn]v ug'{ kg]{ 5 . ;f] ;DjGwL cGo k|s[of tyf z'Ns ;DjGwL Joj:yf ;DjlGwt (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfn] cf gf] sfof{nosf] ;"rgf kf6L, j]a;fO{6 jf /fli6«o:t/sf] b}lgs kqklqsfdf k|sflzt u/L tf]s] adf]lhd x'g]5 . $= cfj]bsx?n] cfj]bg lb+bf (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfdf /x]sf] cfj]bg jfktsf] /sd /f]Ssf /flvg] vftf cGo s'g} k|sf/n] /f]Ssf /x]sf] jf lgis[o /x]sf] x'g'x'b}g . %= Ps JolQmn] cfkm"n] vl/b ug{ rfx]sf] C0fkqsf] nflu Ps eGbf a9L b/vf:t lbg kfOg] 5}g . olb Ps JolQmsf] gfddf Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 . = l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ C0fkq afF8kmfF6df ;dfj]z ul/g] 5}g / ;f] sf] lhDd]jf/ cfj]bs / ;DjlGwt (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yf :jo+ x'g]5 . &= C0fkq vl/bsf nflu b/vf:t lb+bfsf] cj:yfdf jf b/vf:t lbO{;s]kl5 v/Lb u/]sf] C0fkq jfktsf] /sd e'QmfgL gx'Fb} k|rlnt sfg'g adf]lhd clwsf/ k|fKt clwsf/L jf lgsfoaf6 nufgLstf{sf] vftf /f]Ssf /fVg] cfb]z k|fKt ePdf lgisfzg tyf ljqmL k|aGwsn] To:tf] b/vf:t kmf/dnfO{ /2 u/L ;f] sf] hfgsf/L ;DjlGwt (C-ASBA) ;b:o a}+s tyf ljQLo ;+:yfnfO{ u/fpg]5 . *= ?=!),)),)))/- ;Ddsf] nflu cfj]bg lbg] cfj]bsn] :j]lR5s ?kdf / ;f] eGbf a9L /sdsf] nflu cfj]bg lbg] cfj]bsn] clgjfo{ ?kdf cfj]bgdf cf gf] :yfoL n]vf gDa/ -PAN) v'nfpg'kg]{5 . o; cltl/Qm ?=!),)),)))/- jf ;f] eGbf a9L /sdsf nflu cfj]bg lbg] cfj]bsx?n] cfkm"n] cfj]bg lb+bf hDdf u/]sf] /sd ;DklQ z'l4s/0f P]gsf] alv{nfk x'g] u/L cfh{g gu/]sf] egL pb\3f]if0f ug'{kg]{5 . !! ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M

sDkgL / lgDg lnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]af/ ePsf] jf s'g} sf/f]af/ ug{ k|:tfj ul/Psf] eP sf/f]af/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+:yf;+usf] ;DaGw, sf/f]jf/sf] k|s[lt / /sd ;DaGwL ljj/0f M -s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfnssf] ?kdf /x]sf] JolQm M gePsf] . -v_ cfwf/e"t z]o/wgL M gePsf] .

34

-u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/sf] ;b:o M gePsf] . -3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;~rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L dtflwsf/ x'g] u/L z]o/

:jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf MgePsf] . -ª_ ;+ul7t ;+:yfsf] jf o;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf lghsf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf

u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ljQLo ;+:yfsf]] ;~rfns jf ;~rfnssf] Psf3/ kl/jf/sf] ;b:osf nflu s'g} sf/f]af/ jf ;Demf}tf u/]sf] eP ;f] s'/f M gePsf] .

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

!@ ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M ;f] gePsf] . !#= ;"rLs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] ;DaGwL ljj/0f M

-s_ ;+ul7t ;+:yfsf] ljut # cf=j= sf] k|To]s q}dfl;s cjlwsf] pRrtd, Go'gtd / clGtd ahf/ d"Nosf ;fy} sf/f]af/ ePsf] z]o/ ;+Vof M

cfly{s jif{ q}dfl;s cjlw pRrtd ahf/ d"No Go"gtd ahf/ d"No clGtd ahf/ d"No sf/f]jf/ ePsf] z]o/ ;+Vof

@)&#÷@)&$

k|yd 473 300 311 53

bf];|f] 318 237 260 56

t];|f] 345 213 324 56

rf}yf] 361 270 288 57

@)&$÷@)&%

k|yd 307 223 238 54

bf];|f] 241 202 206 54

t];|f] 215 180 183 53

rf}yf] 219 165 172 59

@)&%÷@)&^

k|yd 175 150 153 58

bf];|f] 162 149 154 54

t];|f] 158 143 153 51

rf}yf] 172 150 168 62

gf]6M o; a}+ssf] z]o/sf] cBfjlws ahf/ d"No g]kfn :6s PS;r]~h lnld6]8n] k|sflzt ug]{ ahf/ d"No ;"rL dfkm{t k|fKt ug{ ;lsg]5 .

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

dlxgf clwstd z]o/ d"No Go"gtd ahf/ d"No clGtd ahf/ d"No sf/f]jf/ ePsf] z]o/ ;+Vof sf/f]jf/ lbg

@)& k'; 163 145 160 109,613 20

@)& d+l;/ 165 155 160 36,783 19

@)& sflQ{s 165 155 162 16,076 16

@)& c;f]h 161 151 159 3,443 12

@)& ebf} 165 153 156 31,889 24

@)& ;fpg 170 159 161 54204 21

gf]6M o; sDkgLsf] z]o/sf] cBfjlws ahf/ d"No g]kfn :6s PS;r]~h lnld6]8n] k|sflzt ug]{ ahf/ d"No ;"rL dfkm{t k|fKt ug{ ;lsg]5.

35

!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M ;+ul7t ;+:yfn] o;eGbf cufl8 lwtf]kq lgisf;g ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]vLt ul/Psf nIfo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]/g;s]sf], g;s]sf] cj:yfdf nIo tyf sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln] Go"g x'g uPsf] eP o;/L km/s kgf{sf] sf/0f M

v'b d'gfkmf aL; k|ltzt jf ;f] eGbf a9Ln] Go'g g/x]sf] . pQm ljj/0f kq tyf kmfOgfG;sf] jf:tljs ljj/0fx?sf] t'ngf lgDg cg';f/ /x]sf] 5 . jf;nft

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

km/s /sd km/s k|ltzt )&$÷)&% )&$÷)&%

!= z]o/ k"FhL

803,129.00

882,172.00

(79,043.00)

(9.84)

@= hu]8f tyf sf]ifx?

225,050.00

212,433.00

12,617.00

5.61 #= l8a]Gr/ tyf a08 - - - -

$= ltg{ afFls shf{ ;fk6 350,000.00

600,000.00

(250,000.00)

(71.43)

%= lgIf]k bfloTj 6,257,267.00

8,878,570.00

(2,621,303.00)

(41.89)

^= e'QmfgL lbg'kg]{ ljnx? 232.00

4,635.00

(4,403.00)

(1,897.84)

&= k|:tfljt gub nfefFz

96,375.00

70,574.00

25,801.00 26.77

*= cfos/ bfloTj 47,454.00

9,374.00

38,080.00

80.25

(= cGo bfloTj 253,495.00

151,453.00

102,042.00

40.25

s'n k"FhL tyf bfloTj

8,033,002.00

10,809,211.00

(2,776,209.00)

(34.56)

!= gub df}Hbft

178,173.00

229,082.00

(50,909.00)

(28.57)

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft

457,153.00

307,819.00

149,334.00

32.67

#= a}+s / ljQLo ;+:yfdf /x]sf] df}Hbft

1,246,639.00

8,879.00

1,237,760.00

99.29 $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd -

2,291,914.00

(2,291,914.00) -

%= nufgL

143,483.00

674,714.00

(531,231.00)

(370.24)

^= shf{ ;fk6 tyf ljn v/Lb 5,750,312.00

6,910,637.00

(1,160,325.00)

(20.18)

&= l:y/ ;DklQ 62,448.00

254,609.00

(192,161.00)

(307.71)

*= u}/ a}lsÍ ;DklQ - - - -

36

(= cGo ;DklQ

194,794.00

131,557.00

63,237.00 32.46

s'n ;DklQ

8,033,002.00

10,809,211.00 (2,776,209.00) (34.56)

gfkmf gf]S;fg lx;fj

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

km/s /sd km/s k|ltzt )&$÷)&% )&$÷)&%

!= Jofh cfDbfgL

704,406.00

981,182.00

(276,776.00)

(39.29)

@= Jofh vr{

415,459.00

708,861.00

(293,402.00)

(70.62)

v'b Jofh cfDbfgL

288,947.00

272,320.00

16,627.00

5.75

#= sldzg tyf l8:sfpG6

8,453.00

13,451.00

(4,998.00)

(59.13)

$= cGo ;+rfng cfDbfgL

47,900.00

46,204.00

1,696.00

3.54 %= ;6xL 36j9 cfDbfgL - - - -

s"n ;+rfng cfDbfgL

345,300.00

331,975.00 13,325.00 3.86

^=sd{rf/L vr{

73,327.00

85,229.00

(11,902.00)

(16.23)

&= cGo ;+rfng vr{

85,597.00

84,951.00

646.00

0.75 *=;6xL 36j9 gf]S;fg - - - - ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf

186,376.00

161,795.00 24,581.00 13.19

(=;Defljt gf]S;fgL Joj:yfx?

12,376.00

43,972.00

(31,596.00)

(255.30)

;~rfng d'gfkmf

174,000.00

117,823.00 56,177.00 32.29

!)=u}/ ;~rfng cfDbfgL/gf]S;fg -

9,335.00

(9,335.00) -

!!=;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ -

33,290.00

(33,290.00) -

lgoldt sf/f]jf/af6 ePsf] d'gfkmf

174,000.00

160,448.00 13,552.00 7.79 !@=c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf/vr{ -

(2,402.00)

2,402.00 -

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf

174,000.00

158,046.00 15,954.00 9.17

!#= sd{rf/L af]g; Joj:yf

15,818.00

14,368.00

1,450.00

9.17

!$= cfos/ Joj:yf

47,455.00

45,337.00

2,118.00

4.46

· o; jif{sf] s/ Joj:yf -

56,466.00

(56,466.00) -

37

· ut jif{;Ddsf] s/ Joj:yf -

1,264.00

(1,264.00) - · o; jif{sf] :yug s/ cfDbfgL/vr{ -

(12,392.00)

12,392.00 -

v'b gfkmf/ -gf]S;fg_

110,727.00

98,341.00 12,386.00 11.19

z]o/ ;+Vof-xhf/df_

8,031.00

8,821.00 (790.00) (9.84) k|lt z]o/ cfDbfgL 13.79 11.15 2.64 19.14

!% k/fdz{bftf÷ljz]if1 ;DaGwL ljj/0f M

-s_ n]vfk/LIfs÷ k|d'v a}+s, lgisfzg sfo{ ;+u ;+nUg a}+s, k|If]klt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf] gfd tyf 7]ufgf

n]vfk/LIfs M sDkgLsf] cf=j= @)&$÷&% sf] cfDbfgL vr{ lx;fa tyf jf;nftsf] n]vfk/LIf0f >L lg=Pg= cdfTo P08 s+= rf6{8{ PsfpG6]G6;\ >L dlgif cdfTon] ug'{ePsf] xf] . ;fy} cfly{s jif{ @)&%/&^ sf] n]vfkl/If0f klg >L lg=Pg= cdfTo P08 s+= rf6{8{ PsfpG6]G6;\ >L dlgif cdfTon] g} ug'{ ePsf] xf] .

lgisf;g a}+s (Bankers to the Issue) M o; ljj/0fkq dfkm{t lgisflzt z]o/x?sf] nflu lgisfzg a}+s (Banker to the Issue) sf] ?kdf s'df/L a+}s lnld6]8, vftf g+=))!))!&!$^))))@& / cfO=l;= Pkm=l;= kmfOgfG; lnld6]8, vftf g+= ))!))!))))$$@&)))))$ sf7df8f}+nfO{ tf]lsPsf] 5 .

ljQLo k|If]k0fsf] ljj/0f tof/ kfg]{ lj1 M o; ljj/0fkqdf pNn]v ul/Psf] ljQLo ljj/0f tof/ kfg]{ lj1df lgisf;g sDkgL cfkm}+ /x]sf] 5 .

ljQLo k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1M o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ul/Psf ljQLo k|If]k0fsf ljj/0f oyfy{k/s /x]sf] egL k|dfl0ft ug]{ ljz]if1df ;'/]z P08 P;f]l;P6, rf6{8{ Psfp06]06\;sf rf6{8{ Psfp06]06 >L ;'/]z rGb| >]i7, k'tnL;8s, sf7df08f}+ /xg' ePsf] 5 .

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

n]vfk/LIfs M lgisf;g a}+s (Bankers to the Issue) M

/sd lkmtf{ e'QmfgL ubf{ s'g} k|sf/sf] ´G´6 g/xf];\ eGgsf] nflu lgisflzt z]o/df nufgLstf{x?af6 k|fKt nufgL /sd lgisfzg a}+s (Bankers to the Issue) df vf]lnPsf] z]o/ vftfdf hDdf u/L ;f] sf] ;+o'Qm ;'/If0f lgisf;g sDkgL tyf lwtf]kq lgisfzg tyf laqmL k|aGwssf] /xg]5 .

! cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisf;g afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0f M ;f] gePsf] . !& d'2f tyf ljjfb ;DaGwL ljj/0f M

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

-v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;~rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M ;f] gePsf] . -u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;~rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6 s'g} lgodg lgsfo

jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+:yfks÷;~rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd ;DaGwL ljj/0f M ;f] gePsf] .

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

38

!* u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M ;fj{hlgs lgisf;g ;DaGwdf nufgLstf{x?sf] u'gf;f] ;'Gg / ;dfwfgsf nflu lwtf]kq lgisf;g tyf laqmL k|aGws Unf]an cfOPdO{ SofkL6n lnld6]8, /fli6«o gfr3/, hdn, sf7df08f}+df Ps sIfsf] Joj:yf ul/Psf] 5 . ;fy} nufgLstf{x?n] lwtf]kq lgisfzg tyf laqmL k|jGwssf] sfof{nodf >L glngf >]i7nfO{ kmf]g g $@@@$^), ˆofS; gDa/ $@@@!#$ tyf E-Mail:[email protected] af6 cfkm\gf] u'gf;f] tyf ;'emfj k|]lift ug{ ;Sg]5g.

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

@) C0fkq lgisf;g ;DaGwL ljj/0f M -s_ o; ljj/0f kq dfkm{t lgisf;g ug{ nfluPsf] æ!@Ü cfO=l;=Pkm=l;= kmfOgfG; lnld6]8 l8j]Gr/, @)*#Æ ;DjGwL ljj/0f b]xfo

adf]lhd /x]sf] 5 . -c_ C0fkq lgisf;gsf] zt{ aGb]hx? M C0fkq lgisf;g ;DjGwL zt{ / aGb]h o; ljj/0fkqsf] a'Fbf gDa/ !) -5_ -O_ df 5 . -cf_ C0fkqsf] cjlw -Maturity Period_ M o; C0fkqsf] cjlw C0fkqsf] afF8kmfF6 ePsf] lbgaf6 & -;ft_ jif{sf] x'g]5 .

;f] cjlw kZrft sDkgLn] o; C0fkqsf] ;fFjf / clGtd ls:tfsf] ltg{ afFsL Jofh /sd Psd'i7 e'QmfsgL ug]{5 . -O_ lgisf;g ul/g] C0fkqsf] /sd M ;ft jif{ cjlw tyf jflif{s !@ k|ltzt Aofhb/ ePsf] @) s/f]8 a/fa/sf] k|lt C0fkq

?=!,)))/- c+lst d"Nosf @,)),))) lsQf dWo] !,@),))) lsQf l8a]Gr/n] x'g cfpg] s"n ?= ! s/f]8 @) nfv C0fk"FhL /sd kl/kq ljlw -Private Placement_ af6 / *) xhf/ lsQf l8a]Gr/ x'g cfpg] s"n ?=*) nfv C0fk"FhL /sd -%% cyf{t $,))) sQf ;fd'lxs nufgL sf]ifsf nflu 5'§ofO{Psf] ;d]t_ ;j{;fwf/0f g]kfnLsf] nflu ;fj{hlgs lgisf;gaf6 ljqmL ul/g] .

-O{_ C0fkq ;fwf/0f z]o/df kl/jt{g x'g] jf gx'g] M o; ljj/0fkq cg';f/ lgisf;g ul/g] C0fkq & -;ft- jif{sf] cjlw kZrft Psd'i7 ?kdf lkmtf{ ul/g] ePsfn] pQm C0fkq ;fwf/0f z]o/df kl/0ft gx'g] .

-p_ C0fkqsf] Aofhb/ -Coupon Interest Rate_ / Aofh e'QmfgL ug]{ cjlw/;do -Interest Payment Period)M o; C0fkqsf] jflif{s Aofhb/ !@% x'g]5 . o; C0fkqdf cflh{t Aofh /sddf cfos/ P]g c'g;/f s/ nfUg]5 . o;

C0fkqdf cflh{t Aofh /sd k|To]s cfly{s jif{sf] k|ud cw{ jflif{s -kf}if d;fGt_ / låtLo cw{aflif{s -cfiff9 d;fGt_ ;dfKt eP kZrft e'QmfgL lbOg]5 . Aofh /sd e'QmfgL lb+bf k|yd cw{ jflif{s -kf}if d;fGt_;do;Dd o; C0fkqdf cflh{t Aofh /sd x/]s jif{sf] df3 ! ut]b]lv / låtLo cw{aflif{s -cfiff9 d;fGt_;do;Dd o; C0fkqdf cflh{t Aofh /sd pQm jif{sf] >fj0f ! ut]b]lv e'QmfgL ul/g]5 .

-pm_ C0fkq e'QmfgL hu]8f sf]if (Debenture Redemption Reserves_ ;DjGwL Joj:yf M o; ljj/0f kq dfkm{t lgisfzg x'g] C0fkqnfO{ lgwf{l/t & jif{sf] ;dofjlwdf lkmtf{ e'QmfgL ug{sf nflu kmfOgfG;n] C0fkq e'QmfgL hu]8f sf]if -Debenture Redemption Reserves_ sf] Aoj:yf ug]{5 . C0fkqsf] cjlwdf sDkgLsf] gfkmfaf6 C0fkq lgisfzg ePsf] bf];|f] cf=j= af6 k|To]s jif{ ?=tLg s/f]8 tL; nfvsf / clGtd jif{ ?=tLg s/f]8 kRrf; nfvsf b/n] x'g] /sd C0fkq e'QmfgL hu]8f sf]ifdf /sdfGt/0f ul/g]5 . kmfOgfG;n] s'g} cfly{s jif{df d'gfkmf cfh{g ug{g;s]sf] v08df ;d]t ;f] jif{df C0fkq e'QmfgL hu]8f sf]if -Debenture Redemption Reserves_ df /sdfGt/0f ug'{ kg]{ /sd /sdfGt/0f ul/g]5 jf g]kfn /fi6« a}+sn] tf]s] adf]lhd x'g] 5 . olb kmfOgfG;sf] s'g} cfly{s jif{df d'gfkmf gePdf clwNnf] jif{x?sf] ;+lrt d'gfkmfaf6 C0fkq e'QmfgL hu]8f sf]if -Debenture Redemption Reserves_ df /sdfGt/0f ug'{ kg]{ /sd /sdfGt/0f ul/g]5 .

-P_ C0fkqjfnfx?sf] clwsf/ M o; ljj/0fkq dfkm{t lgisfzg x'g] C0fkq vl/b ug]{ C0fkqjfnfx?nfO{ sDkgL P]g, @)^# tyf cGo k|rlnt sfg'g adf]lhd C0fkqjfnfnfO{ k|fKt x'g] ;Dk"0f{ xs, ;'ljwf k|fKt x'g]5 . t/ To:tf C0fkqjfnfx?nfO{ ;fwf/0f ;fefdf pkl:yt x'g] tyf dtbfg ug]{ clwsf/ x'g] 5}g . sy+sbflrt kmfOgfG; 66kN6]df o; ljj/0fkq dfkm{t lgisflzt C0fkqsf] e'QmfgL lgIf]kstf{x? eGbf k5fl8 dfq x'g]5 . -P]_ C0fkqsf] Jofh e'QmfgL ug]{ :yfg M o; C0fkq wf/0f ug]{ C0fkqwgLn] lghn] wf/0f u/]sf] C0fkqdf

cflh{t Jofh lghx?sf] lxtu|fxL vftfdf pNn]lvt a}+s vftfdf IPS dfkm{t hDdf ug]{ Joj:yf ldnfO{g] 5 . sy+sbflrt pNn]lvt vftfdf Jofh /sd hDdf x'g g;s]df o; kmfOgfG;sf] s'g} klg zfvf sfof{nodf ;Dks{ /flv a}+s vftf cBfjlws ug{ x'g jf lxtu|fxLsf] vftfdf a}+s vftf cBfjlws u/]sf] /]s8{sf] cfwf/df Aofh /sd hDdf ug]{ Joj:yf ldnfOg]] 5 .

39

-v_ ;+ul7t ;+:yfsf] ;DklQdf C0fkqjfnfsf] xs ;DjGwL ljj/0f M o; ljj/0fkq dfkm{t lgisf;g x'g] C0fkq a}+ssf] ;DklQ ;'/If0f g/fvL lgisf;g ul/Psf] c;'/lIft C0f -Unsecured Debt_ ePsf]

;fy} a}+ssf] To:tf] s'g} ;'/lIft ;fx' gePsf] / sy+sbflrt a}+s 6f6klN6Pdf cGo ;'/lIft ;fx" / lgIf]kstf{sf] s'n /sd ?=!),(#,@*,&!,%)!/- -cfiff9 @)& _ eGbf kl5 dfq e'QmfgLdf k|fyldstf x'g] u/L lgisf;g ul/Psf] ;xfos C0f -Subordinated Debt_ ePsf] x'Fbf k|rlnt sfg"gn] k|bfg u/]sf] afx]s sDkgLsf] ;DklQdf C0fkwjfnfsf] s'g} lglb{i6 xs -Specific charge) clwsf/ x'g]5}g .

-u_ C0fkq 6«i6Lsf] ?kdf so{ ug]{ ;+:yfsf] gfd, 7]ufgf tyf sDkgL / 6«i6L aLr ePsf] ;Demf}tf -Trustee Deed_ sf k|d'v a'Fbfx? M C0fkq lgisf;g ubf{ 6«i6L lgo'Qm ug'{ kg]{ Joj:yf cg'?k lgDgfg';f/ C0fkq 6«i6Lsf] Joj:yf ul/Psf] 5 . -c_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] gfd tyf 7]ufgf M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf g]kfn lwtf]kq af]8{af6

lgisf;g tyf ljqmL k|jGwssf] Ohfhtkq k|fKt lwtf]kq Joj;foL, >L Unf]an cfOPdO{ SofkL6n lnld6]8, hdn, sf7df08f}+ /x]sf] 5 .

-cf_ C0fkq 6«i6L eP afkt lng] ;]jf z'Ns M o; ljj/0fkq dfkm{t ;j{;fwf/0fdf tyf JolQmut tj/af6 ljleGg JolQm jf ;+3 ;+:yfx?nfO{ ljqmL ul/g] C0fkqsf] 6«i6Lsf]

?kdf lgo'Qm >L Unf]an cfOPdO{ SofkL6n ln=, hdn, sf7df08f}++nfO{ lghn] pQm ;]jf k|bfg u/] jfkt jflif{s ?=!%,)))/- -cIf/]kL kG3| xhf/ ?k}ofF dfq_ /sd 6«i6L ;]jf pknJw u/fPsf] ;dofjlwsf nflu ;]jf z'Nssf] ?kdf lbOg]5 . -O_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] tf]s]sf] ;Dks{ JolQmsf] gfd tyf kb of]Uotf tyf cg'ej M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] pQm sDkgLsf] gfos k|d'v sfo{sf/L clws[t >L k/fu lji6nfO{ ;Dks{ JolQmsf]

?kdf tf]s]sf] 5 . >L k/fu lji6, Pd=sd= ;Ddsf] z}lIfs of]Uotf / sl/a !% jif{eGbf a9Lsf] ljQLo If]qsf] sfof{g'ej xfl;n ug'{ ePsf] 5 .

-O{_ C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DjlGwt kIfsf] u'gf;f ;'Gg] / ;dfwfg ug]{ ;DjGwdf u/]sf] Joj:yf M C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfn] ;DjlGwt kIfsf] u'gf;f ;'Gg] / ;f] sf] ;dfwfg ug]{ ;DjGwdf tf]lsPsf] ;Dks{ JolQm

dfkm{t jf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfsf] sfof{no dfkm{t cfjZos Joj:yf u/]sf] 5 . ;fy}, u'gf;fx? lnlvt ?kdf C0fkq 6«i6Lsf] ?kdf sfo{ ug]{ ;+:yfdf hDdf u/fpg' kg]{5 .

-p_ C0fkq lgisf;g ug]{ a}+s / C0fkqjfnfxX?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6L aLr sDkgL P]g, @) # adf]lhd ;Demf}tf ePsf] s'/f M

C0fkq lgisf;g ug]{ sDkgL / C0fkqjfnfx?sf] lxt ;+/If0f ug{ 6«i6Lsf] ?kdf sfd ug]{ C0fkq 6«i6LaLr sDkgL P]g, @) # df ePsf] Joj:yf cg'?k ;Demf}tf ul/Psf] 5 .

-pm_ C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'em ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{ C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @) # cg'?k ePsf] s'/f M

C0fkq 6«i6Lsf] clwsf/ / bfloTj, C0fkq 6«i6Ln] hfFra'em ug{ / ljj/0f dfu ug{ ;Sg], C0fkq 6«i6LnfO{ C0fkqjfnfx?sf] clwsf/ x'g] cflb Joj:yfx? sDkgL P]g, @) # cg'?k ul/Psf] 5 .

-P_ C0fkq 6«i6L / a}+s aLr ePsf] ;Demf}tfsf] k|lt g]kfn lwtf]kq af]8{df btf{ ul/Psf] s'/f M C0fkq 6«i6L / sDkgL aLr ePsf] ;Demf}tfsf] k|ltlnlk g]kfn lwtf]kq af]8{df ldlt @)& /) /!# ut] btf{ ul/Psf] 5 . -P]_ C0fkq 6«i6L / a}+s aLr ePsf] ;Demf}tf tyf cGo cfjZos Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df ;f] pknJw

u/fpg] ;DaGwdf ul/Psf] Joj:yf M C0fkq 6«i6L >L Unf]an cfOPdO{ SofkL6n ln, hdn, sf7df08f}+ / sDkgL aLr ePsf] ;Demf}tf tyf cGo cfjZos

Joj:yfx? C0fkqjfnfn] x]g{ jf hfGg rfx]df C0fkq 6«i6L jf sDkgLsf] /lhi68{ sfof{nodf sfof{no ;doleq ;Dks{ /fvL x]g{ jf hfGg ;lsg] Joj:yf ul/Psf] 5 .

-cf]_ cGo M C0fkq 6«i6Ln] l8a]Gr/jfnfx?sf] lxt ;+/If0f ug]{ . sDkgLn] C0fkq 6«i6LnfO{ cf gf] ljQLo sf/f]jf/sf] kl/is[t cfly{s ljj/0f cfly{s jif{ ;dfKt ePsf] dlxgfleq

clgjfo{ ?kdf k7fpg' kg]{ . C0fkq 6«i6Ln] sDkgLn] :yfkgf u/]sf] C0fkq e'QmfgL sf]if -Debenture Redemption Reserve_ sf]

cg'udg ug]{ . sDkgLn] k'gM csf]{ C0fkq lgisf;g ug'{ k/]df C0fkq 6«i6Lsf] k"j{ :jLs[lt lng' kg]{5 . ldlt @)& /) /!@ ut]

ePsf] l8a]Gr/ 6«i6L lgo'lQm ;DjGwL ;Demf}tfkqdf dfly pNn]lvt bkmf pNn]v geP klg sDkgL P]g, @) # sf] bkmf # sf] pkbkmf % df ePsf] Joj:yf k"0f{ kfngf ul/ ;f] bkmf cg'?k sfo{ ul/g]5 .

40

-3_ kl/jt{gzLn C0fkq hf/L ul/g] ePdf C0fkqsf] kl/jt{g cg'kft, d"No, lk|ldod tyf kl/jt{g ldlt, dtflwsf/sf] Joj:yf M ;f] gePsf] . -ª_ C0fkq hf/L ug'{sf] p2]Zo tyf ;DkGg x'g] sfo{ of]hgf M

sDkgLn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwx?nfO{ lj:tf/ ug{sf nflu cfjZos k"FhL ;+sng ug{ .

sDkgLsf] k"/s k"FhLsf]if -Supplementary Capital_ a[l4 ug{ . k|aGw kqdf pNn]v ul/Psf p2]Zo cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos kg]{ k"FhL h'6fpg .

C0fkqsf] ljqmLaf6 k|fKt /sd pkof]u ug{ ul/g] sfo{ M sDkgLsf] k"FhLsf]if a[l4sf] nflu pkof]u ul/g] .

-r_ hf/L k"FhL, r'Qmf eP/gePsf] M hf/L k"FhL ;Dk"0f{ r'Qmf ePsf] . -5_ o;eGbf cufl8 hf/L ePsf] C0fkwsf] ljj/0f M ;f] gePsf] . -h_ g]kfn /fi6« a}+ssf] l8a]Gr/ hf/L ug{sf nflu lbPsf] zt{x? M -!_ s'g} klg ;/If0f g/fvL æcfO=l;=Pkm=l; kmfOgfg; lnld66]8 l8a]Gr/ @)*#Æ lgisf;g ug{'kg]{ . -@_ l8a]Gr/sf] cjlw & jif{sf] x'g] . -#_ k|:tfljt l8a]Gr/sf] aflif{s Aofhb/ !@ k|ltzt x'g'kg]{ / cflh{t Aofh /sddf k|rlnt P]g adf]lhd s/ s§f ug]{ Aoj:yf

ug'{kg]{ . -$_ ljQLo ;+:yf lj36g ePsf] cj:yfdf æcfO=l;=Pkm=l; kmfOgfg; lnld66]8 l8a]Gr/ @)*#Æ sf] e'QmfgL lgIf]kstf{eGbf kl5

dfq x'g] . -% _ æcfO=l;=Pkm=l; kmfOgfg; lnld66]8 l8a]Gr/ @)*#Æ hf/L ePsf] ldltn] a9Ldf dlxgfleqdf g]kfn :6s PS;r]~h

lnld6]8df ;"rLs[t ug'{kg]{ . - _ cfO=l;=Pkm=l; kmfOgfg; lnld66]8 afx]s cGo a}+s tyf ljQLo ;+:yfaf6 pQm l8a]Gr/ lwtf] /fvL C0f lng ;lsg] Aoj:yf

ug'{ kg]{ . -&_ æcfO=l;=Pkm=l; kmfOgfg; lnld66]8 l8a]Gr/ @)*#Æ lgisf;g ug'{ cl3 ;f] sf] ljj/0f kq o; a}+sdf btf{ u/L k|sfzg ug'{

kg]{ . -*_ æcfO=l;=Pkm=l; kmfOgfg; lnld66]8 l8a]Gr/ @)*#Æ sf] /sd e'QmfgL ug]{ k|of]hgsf] nflu Redemption Reserve sf]

Joj:yf ug{ a}+ssf] aflif{s d'gfkmfaf6 C0fkq lgisf;g ePsf] bf];|f] jif{b]lv k|To]s jif{ a/fa/ ?kdf -Proportionalte Period Basis_ gfkmf/gf]S;fg lx;fjaf6 /sd 5'§ofO{ & jif{leq s'n ?=aL; s/f]8 a/fa/sf] /sd pQm sf]ifdf hDdf x'g] Joj:yf ug'{kg]{ . ;fy}, gfkmf gePsf] cj:yfdf d'gfkmfaf6 5§ofpg' kg]{ /sd s'g sf]ifaf6 Joj:yf ug]{ xf] ;f] :ki6 ?kdf ljj/0fkqdf pNn]v x'g'kg]{ .

-(_ Private Placement sf] cfwf/df ljqmL ul/g] l8a]Gr/sf] ;DaGwdf s'g} ;+3/;+:yf;+u clu|d s'g} ;Demf}tf ePsf] eP ;f] ;Demf}tfsf] k|dfl0ft k|ltlnlk o; a}+ssf k]z ug'{ kg]{ .

-!)_ olb s'g} kIfn] ;f] kIfnfO{ 5'§ofPsf] l8a]Gr/ vl/b gu/]df ;f] l8a]Gr/ csf]{ kIfnfO{ vl/b ug]{ Joj:yf ug'{kg]{ . -!!_ l8a]Gr/ lgisf;g ;DjGwdf cGo k|rlnt sfg'g tyf o; a}+saf6 hf/L ul/Psf] lgb]{zgdf pNn]v ePsf cGo Joj:yfsf]

;d]t kfngf ug'{kg]{ . -em_ cGo M

C0fkqsf] Jofh e'QmfgL ug]{ :yfg M o; C0fkq wf/0f ug]{ C0fkqwgLn] lghn] wf/0f u/]sf] C0fkqdf cflh{t Aofh /sd lghsf] l8Dof6 vftfdf pNn]v eP adf]lhdsf] a}+s vftfdf l;w} /sdfGt/ ul/g]5 .

@! cu|flwsf/ z]o/ lgisf;g ;DaGwL ljj/0f M ;f] gePsf] . @@ cGo ;fdfGo hfgsf/L M

-s_ ljz]if1sf] s'g} /fo ePdf, ;f] sf] ljj/0f M o; ljj/0fkqdf pNn]v ul/P adf]lhd tof/ ul/Psf] ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg u/L ;f] cfwf/df tof/ ljQLo k|If]k0fsf ljj/0f oyf{yk/s /x]sf] 5 . o; ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? k'g/fjnf]sg ug]{ ljz]if1 >L ;'/]z >]i7 P08 P;f]l;P6\;, rf6{8{ PsfpG6]G6\;\ l;=P=>L ;'/]z rGb| >]i7 /xg' ePsf] 5 .

41

-v_ ut tLg cfly{s jif{ leqdf s'g} ;~rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f] sf] sf/0f M ;~rfnsdf ljut tLg cfly{s jif{df ePsf] kl/jt{g / sf/0f ;~rfnsdf lgo'Qm

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cf=j= @)&)÷&! b]lv @)&@÷&# ;Dd o; a}+ssf] n]vfk/LIfs >L ;'/]z >]i7 P08 P;f]l;P6\;, rf6{8 PsfpG6]G6;\ nuftf/ tLg aif{;Dd o; ;+:yfsf] n]vfk/LIfs /xg' ePsf]df sDkgL P]g, @)^# adf]lhd k'gM lgo'Qm x'g g;Sg] ePsf]n] cf=j=@)&#÷&$ sf] n]vfk/LIfssf ?kdf >L lg=Pg= cdfTo P08 sDkgL rf6{8 Psfp06]06sf l;=P= >L dlgif cdfTo lgo'Qm x'g ePsf] . -u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf M gfd M nId0f k|;fb h};L 7]ufgf M6f]vf–#, sf7df08f} .

of]Uotf M la=sd -cg;_ Pn=Pn=la -3_ yk ;fj{hlgs lgisfzg -kmb{/ klAns O:o"_ ug{sf nflu ;~rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M o; sDkgLsf] ldlt @)&^÷)#÷@( ut] a;]sf] @$*cf}+ ;~rfns ;ldltsf] a}7ssf] lg0f{o cg';f/ ;ft jif{ cjlw tyf jflif{s !@ k|ltzt Jofhb/ ePsf] k|lt l8j]Gr/ ?=!,)))/- c+lst d"Nodf @ nfv lsQf l8j]Gr/x? dWo] ^)% JolQut tj/af6 / $)% ;j{;fwf/0fnfO{ ;fj{hlgs tj/af6 lgisf;g tyf ljqmL ug{ ;j{;Ddltaf6 lg0f{o ul/of] .

-ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M gePsf] . -r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt ug{ jf x]g{ ;Sg]

7fpF / ;do M sfof{no ;doleq lgDglnlvt :yfgx?df sDkgLsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg lx;fj tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg] 5 .

! sDkgLsf]] /lhi68{ -s]Gb|Lo_ sfof{no sf7df08f} lhNnf, !,$@% ly/ad ;8s @, ef6e6]gL, sf7df08f} . @ lwtf]kq lgisfzg tyf laqmL k|aGws– Unf]an cfOPdO{ SofkL6n lnld6]8, gfr3/, hdn, sf7df8f}+ .

-5_ jf]gz z]o/ ;DjGwL Joj:yf M k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt jf]gz z]o/ lgisf;g ;DjGwL Joj:yf cg';f/ jf]gz z]o/ hf/L ug{ ;Sg]5 . -h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M gul/Psf] . -em_ ljQLo ;+:yfn] sDkgL P]gn] u/]sf] Joj:yfx?, cf gf] sf/f]af/;+u ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf]

;DaGwdf u/]sf] pb\3f]if0f M sDkgLn]] sDkgL P]g, @) # n] u/]sf] Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf tyf lgodg lgsfox?n] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/f leq /xL sfo{ ul//x]sf] / o; ljj/0fkqdf pNn]v ul/Psf] ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] sDkgLsf] pb\3f]if0f /x]sf] 5 . sDkgLsf] s'g} klg ;~rfnsx? sfnf];'rLdf g/x]sf] ;fy} of]Uo /x]sf] sDkgLsf] pb\3f]if0f /x]sf] 5 , ;fy}, o; sDkgLn] sDkgL P]g, @) # adf]lhd k]z ug'{ kg]{ cf=a= @)&$/&% ;Ddsf ljj/0fx? k]z u/]sf] x'gfn] ;f] cfly{s jif{;Dd o; sDkgL cBfjlws /x]sf] 5 .

- _ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M o; ljj/0fkq tof/ kfg]{ Aofj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws– Unf]an cfOPdO{ SofkL6n lnld6]8, gfr3/, hdn, sf7df8f+} /x]s]f 5 .

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42

plrt lgIf]]k kl/rfng gLlt cjnDag ub}{ shf{ tyf nufgLsf] u'0f:t/sf] :t/nfO{ k|fyldstf lbOPsf] . k"j{ ;t{stfx? ckgfO{ ;DefJo hf]vLdnfO{ dWogu/ ul/ Joj;fo lj:tf/ ul/Psf] . sDkgLsf] IfdtfnfO{ yk ;'b[9Ls/0f ug{ bIf tyf cg'ejL sd{rf/LnfO{ kl/rfng Pj+plrt Joj:yfkgf ul/Psf] . bIf tyf cg'ejL JolQmx?sf] nufgLdf :yfkgf tyf ;+rfng ul/Psf] sDkgL . :yfkgfsfnb]lv g} k"0f{ sDKo'6/s[t k|ljlwaf6 ljQLo ;]jf k|bfg ub}{ cfO{/x]sf] . b'|t ultdf Joj;fo lj:tf/ ug{ ;kmn /x]sf] .

-7_ lwtf]kq lalqm v'Nnf cjlw M o; ljj/0fkq4f/f lgisf;g ul/Psf] C0fkqsf] nflu cfj]bg lbg] cjlw #) -tL;_ lbgsf] x'g]5 . cfjZostf eGbf a9L C0fkqsf] nflu cfj]bg kg{ cfPdf s'g} klg jvt C0fkqsf] ljqmL aGb ug{ ;lsg]5 t/ ljj/0f kqdf ul/Psf] Joj:yf cg';f/ $ -rf/_ sfo{ lbgeGbf cufl8 C0fkq vl/bsf] cfj]bg lng] sfd aGb ul/g] 5}g . JolQmut tj//kl/kq ljlw -Private Placement) af6 ljqmL ul/g] C0fkqsf] xsdf lwtf]kq af]8{af6 :jLs[lt kZrft v'Nnf x'g]5 / ;fj{hlgs lgisf;g;Fu} aGb x'g]5 . -8_ qm]l86 /]l6Ë ;DaGwL Joj:yf M

o; sDkgLn] hf/L ug{ nfu]sf] ?= @) s/f]8sf] & jif{ cjlw tyf aflif{s !@Ü Aofhb/ ePsf] æcfO=l;=Pkm=l;= kmfOgfG; lnld6]8 l8a]Gr/ @)*#Æ C0fkqnfO{ s]o/ /]l6ª g]kfn ln=, sdnfbL, sf7df8f}+n] ldlt @)&^÷)^÷)( (Sept 26,2019) df dWod shf{ hf]lvd hgfpg] CARE-NP BBB-(Triple B Minus) u|]l8Ë k|bfg u/]sf] 5 . pQm qm]l86 /]l6Ë k|fKt ug{ Instrument nfO{ ;dodfg ljQLo bfloTj k'/f ug]{ ;DaGwdf oy]i6 ?kdf ;'/lIft dflgG5 . hf]lvdsf] b[li6df o:tf pks/0fx? dWod shf{ hf]lvd (Morderate Credit Risk_ ePsf] dflgG5 . ;fy} o; sDkgLnfO{ s]o/ g]kfn lnld6]8n] Issure /]l6Ë "CARE-NP BBB-(Is)(Triple B Minus)[Issuer Rating])" u|]l8Ë k|bfg u/]sf] 5 . h;n] dWod shf{ hf]lvd (Morderate Credit Risk) hgfpFb5 .

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