Nic Asia Annual Report 2078 - 79 Fy

ljifo ;"rL
!= ;fwf/0f ;ef ;DaGwL ;"rgf =================================================================================================== !

@= skf]{/]6 k|f]kmfOn ================================================================================================================= #
#= ;~rfnssf] k|f]kmfOn ============================================================================================================ ^
$= ljQLo emnsx? ================================================================================================================= (
%= u}/ ljQLo emnsx? ============================================================================================================= !#
^= cWoIfHo"sf] dGtJo ============================================================================================================== !$
&= k|d'v sfo{sf/L clws[tHo"sf] dGtJo ========================================================================================= @)
*= ;~rfns ;ldltsf] k|ltj]bg ==================================================================================================== @&
(= ;xfos sDkgLx? =============================================================================================================== $(
!)= ;+:yfut ;'zf;g ;DaGwL jflif{s cg'kfngf k|ltj]bg ====================================================================== %)
!!= Joj:yfksLo ljZn]if0f ========================================================================================================== ^*
!!=! ljQLo emnsx? ========================================================================================================= ^*
!!=@ Horizontal and Vertical ljZn]if0f (Analysis) ====================================================================== &&
!!=# q}dfl;s ljQLo ljj/0fsf] ljZn]if0f ================================================================================== *)
!@= ;fdflhs pQ/bfloTjsf] emnsx? ========================================================================================== *@
!#= PsLs[t ljQLo ljj/0f ========================================================================================================== *%
!$= k|d'v n]vf gLltx? ============================================================================================================== !)!
!%= PsLs[t ljQLo ljj/0f cg';"rL tyf n]vf ;DaGwL l6Kk0fL =============================================================== !!$
!^= ;xfos sDkgLsf] jflif{s ljj/0f ============================================================================================= !&(
!^=! Pg cfO{ ;L Plzof Soflk6n ln= ===================================================================================== !&(
!^=@ Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf ln= ====================================================================== !((
!^=# Pg cfO{ ;L Plzof ;]So'l/l6h\ lnld6]8 ============================================================================== @)#
!&= g]kfn /fi6« a}+såf/f ljQLo ljj/0f k|sfzgsf] nflu lbOPsf] lgb]{zg ==================================================== @!)
!*= g]kfn /fi6« a}+såf/f ljQLo ljj/0f k|sfzgsf] nflu lbOPsf] lgb]{zgsf] k|To'Q/ ====================================== @!!
!(= Pg cfO{ ;L Plzof a}+s ln= sf] k|aGwkqdf k|:tfljt ;+zf]wg÷yksf] tLg dxn] ljj/0f ============================= @!@
@)= Pg cfO{ ;L Plzof a}+s ln= sf] lgodfjnLdf k|:tfljt ;+zf]wg÷yksf] tLg dxn] ljj/0f ============================ @!^
@!= nufgLstf{ ;DaGw =============================================================================================================== @!*
@@= zfvf ;~hfn ==================================================================================================================== @!(
@#= k|j]z kq / k|f]S;L kmf/d ====================================================================================================== @@!
Pg cfO{ ;L Plzof a}+s lnld6]8
/lhi68{ sfof{no, 6«]8 6fj/, yfkfynL, sf7df8f}+, g]kfn
kRrL;f}+ jflif{s ;fwf/0f ;efsf] ;"rgf
ldlt @)&(÷)(÷)^ df ;DkGg o; a}+ssf] ;~rfns ;ldltsf] %*@ cf}+ a}7ssf] lg0f{ofg';f/ a}+ssf] kRrL;f}F jflif{s ;fwf/0f
;ef lgDg ldlt, ;do / :yfgdf lgDg ljifox?df 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf]
hfgsf/L Pj+ pkl:yltsf] nflu xflb{s cg'/f]w ub{5' .
;ef a:g] ldlt, ;do / :yfg M

ldlt M @)&( kf}if @( ut], z'qmaf/ -tbg';f/ !# hgj/L @)@#_ .
;do M laxfg (M)) ah] .
:yfg M xf]6n cfgGb k|f= ln, -cf/f]Uo xn_ ltnu+uf, sf7df8f}+ .
5nkmn tyf lg0f{osf nflu lgwf{l/t ljifo;"rL M

-s_ ;fdfGo k|:tfj
1= cfly{s jif{ @)&*÷&( sf] ;~rfns ;ldltsf] k|ltj]bg kfl/t ug]{ .
2 = n]vfk/LIfssf] k|ltj]bg ;lxt @)&( cfiff9 d;fGt;Ddsf] jf;nft / cf=j= @)&*÷&( sf] gfkmf–gf]S;fg lx;fa tyf
gub k|jfx ljj/0f nufotsf jflif{s ljQLo ljj/0fx? pk/ 5nkmn u/L :jLs[t ug]{ .
3= o; a}+s tyf a}+ssf] ;xfos sDkgL Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf ln= tyf Pg cfO{ ;L Plzof Soflk6n ln=
sf] cf=j= @)&*÷&( sf] ljQLo ljj/0f ;lxtsf] PsLs[t ljQLo ljj/0f pk/ 5nkmn u/L :jLs[t ug]{ .
4 = n]vfk/LIf0f ;ldltsf] l;kmfl/z adf]lhd cfly{s jif{ @)&(÷*) sf] nflu afXo n]vfk/LIfs lgo'Qm ug]{ / lghsf]
kfl/>lds tf]Sg] . -sDkgL P]g, @)^# sf] bkmf !!! -#_ adf]lhd axfnjfnf n]vfk/LIfs >L P; P cf/ P;f]l;P6\; rf6{8{
PsfpG6]G6\;\ k'gM lgo'Qm x'g of]Uo g/x]sf] ._
5 = ldlt @)&*÷!@÷@) Dff ;DkGg a}+ssf] @$cf}+ jflif{s ;fwf/0f ;efaf6 ;j{;fwf/0f z]o/wgL ;d"xsf] tkm{af6 $ jif{sf
nflu lgjf{lrt ;~rfns >L lgs'~h cu|jfnHo"n] ldlt @)&(÷)&÷)! df ;~rfns kbaf6 /flhgfdf lbg'ePsf]df
lghsf] /flhgfdf ldlt @)&(÷)&÷)@ df ;DkGg ;~rfns ;ldltsf] %&! cf}+ a}7ssf] lg0f{ofg';f/ :jLs[t ePsf] tyf
;f]xL a}7ssf] lg0f{ofg';f/ lghsf] afFsL sfo{sfnsf] nflu j;f}6L–^, s}nfnL :yfoL 7]ufgf eO{ xfn zflGtgu/–#!, sf7df8f}+
lgjf;L >L s]zjk|;fb nD;fnHo"nfO{ lgo'Qm u/]sf] lg0f{onfO{ cg'df]bg ug{] .
-v_ ljz]if k|:tfj

1= a}+ssf] k|jGwkq / lgodfjnLdf ;d;fdlos ;+zf]wg÷yk ug]{ .
2 = k|aGwkq / lgodfjnL ;+zf]wg :jLs[ltsf] qmddf lgodgsf/L lgsfoaf6 s'g} km]/abn, yk36 ug{ lgb]{zg jf ;'emfj ePdf
;f]xL adf]lhd ug{ ;~rfns ;ldltnfO{ jf ;~rfns ;ldltn] tf]s]sf] kbflwsf/LnfO{ clVtof/L k|Tofof]hg ug]{ .
-u_ ljljw .
cf1fn],
lbk]g sfsL{
sDkgL ;lrj
Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 1

;fwf/0f ;ef ;DaGwL cGo hfgsf/L
=
1 ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ z]o/wgL nutdf sfod /x]sf] lghx?sf] 7]ufgfdf ;fwf/0f ;efsf] ;"rgf / a}s+ sf] jflif{s
;+lIfKt cfly{s ljj/0f k7fOg] Joj:yf ul/Psf] 5 . 7]ufgf k'/f gePsf tyf pQm sfuhft k|fKt gug'{ x'g] z]o/wgL
dxfg'efjx?n] jflif{s cfly{s ljj/0f, ;~rfns ;ldltsf] k|ltj]bg / n]vfk/LIfssf] k|ltj]bg lg/LIf0f ug{ o; a}s
+ sf] s'g}
klg zfvf sfof{nox?df ;Dks{ ug{ ;Sg'xg' 5] . ;fy} pk/f]Qm pNn]lvt ljj/0f÷k|ltj]bgx? o; a}s + sf] j]j;fO6
www.nicasiabank.com df ;d]t upload ul/Psf] 5 .
2 = jflif{s ;fwf/0f ;efdf efu lng OR5's z]o/wgL dxfg'efjx?n] z]o/ k|df0fkq÷lxtu|fxL (DEMAT) vftf vf]lnPsf] k|df0f
/ cfkm\gf] kl/ro v'Ng] k|df0f jf ;f]sf] k|ltlnlk -h:t} gful/stf k|df0fkq jf cGo s'g} kmf]6f] ;lxtsf] kl/rokq_ clgjfo{
?kdf ;fydf lnO{ cfpg'xg' cg'/f]w 5 . xflh/L k'l:tsf laxfg * ah] b]lv ;ef rfn' /x'Gh]n ;Dd v'Nnf /xg]5 .
=
3 ;fwf/0f ;efdf efu lng k|ltlglw -k|fS] ;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] a}s + sf] ;f]lx ;d'xsf] csf]{ z]o/wgLnfO{ dfq
k|ltlgwL lgo'Qm ug{ ;Sg'xg' 5] . k|rlnt sDkgL sfg"gn] tf]ss
] f] 9fFrfdf k|ltlglwkq -k|fS] ;L_ kmf/d e/L ;ef z'? x'ge' Gbf
sDtLdf $* 306f cufj} cyf{t\ ldlt @)&(÷)(÷@& ut] ljxfg ( ah] leq a}s + sf] /lhi68{ sfof{no, 6«8] 6fj/ g]kfn,
yfkfynL sf7df8f}d+ f btf{ u/fO{ ;Sg'kg]5{ .
4 = Gffafns jf dfgl;s ;Gt'ng 7Ls gePsf] z]o/wgLx?sf] tkm{af6 a}s + sf] z]o/ nut btf{ lstfadf ;+/Ifssf] ?kdf gfd
btf{ ePsf] dxfg'efjx?n] ;efdf efu lng, dtbfg ug{ jf k|ltlgwL tf]Sg ;Sg' x'g5] .
5 = ;+oQ
' m ?kdf z]o/ v/Lb ul/Psf] cj:yfdf z]o/wgLsf] nut btf{ lstfadf klxn] gfd pNn]v ePsf] JolQm cyjf
;j{;Ddtaf6 k|ltlgwL lgo'Qm ul/Psf] Ps JolQmn] dfq ;efdf efu lng jf dtbfg ug{ kfpg'xg' 5] .
6 = ;efdf efu lng k|ltlgwL lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgLn] cfkm}n+ ] efu lng jf k|ltlgwL km]/abn ug{ rfx]df ;ef
;'? x'ge' Gbf sDtLdf #^ 306f cufj} ;f] sf] ;"rgf a}s+ sf] /lhi68{ sfof{no, 6«8] 6fj/ g]kfn, yfkfynL sf7df8f}d+ f btf{
ul/;Sg'kg]5{ , cGoyf k|ltlglw km]/abn x'g ;Sg] 5}g . t/ ;efdf ;DalGwt z]o/wgL :jo+ pkl:yt x'g cfPdf z]o/wgLn]
ul/lbPsf] clVtof/gfdf :jtM ab/ x'g5] .
7 = 5nkmnsf] ljifo dWo] ljljw lzif{s cGtu{t s'g} ljifodf ;fwf/0f ;efdf 5nkmn ug'k{ g]{ eP OR5's z]o/wgLn] ;ef x'ge' Gbf
& lbg cufj} ;f] ljifo sDkgL ;lrj dfkm{t ;~rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf lbg'xg' cg'/f]w 5 .
8 = Jfflif{s ;fwf/0f ;efnfO{ Wofgdf /fvL ldlt @)&(÷)(÷!* ut] b]lv @)&(÷)(÷@( ut];Dd a}s + sf] z]o/ bflvn vf/]h
btf{ aGb /xg]5 . g]kfn :6s PS;r]Gh lnld6]8df ldlt @)&(÷)(÷!* ut] eGbf cufl8 sf/f]af/ eO{ & sfo{ lbgleq
o; a}s + sf] z]o/ /lhi6«f/ Pg cfO{ ;L Plzof Soflk6n ln=, aa/dxn, sf7df8f}d+ f k|fKt z]o/ gfd;f/Lsf] lnvtsf]
cfwf/df z]o/wgL btf{ lstfadf sfod z]o/wgLx?n] ;f] ;efdf efu lng tyf dtbfg ug{ ;Sg' x'g5] .
9 = cGo hfgsf/Lsf] nflu a}s+ sf] /lhi68{ sfof{no, 6]8« 6fj/ g]kfn, yfkfynL, sf7df8f}+ l:yt ;~rfns ;ldltsf] ;lrjfno
-6]lnkmf]g g+= )!–%!!!!&&÷&* PS;6]G;g @@)%_ df ;Dks{ /fVg ;d]t cg'/f]w ul/G5 .
2
skf]{/]6 k|f]kmfOn
Pg cfO{ ;L Plzof a}s+ zfvf ;~hfn, lgIf]k, shf{ nufgL, k|fb]lzs sfo{fno
u|fxs ;+Vof / jf;nft cfsf/sf] cfwf/df g]kfnsf] cu|0fL k|bz] !M la/f6gu/ dxfgu/kflnsf, jf8{ g+ &
a}s
+ ag]sf] 5 . @% jif{sf] ;~rfngsf] cjwLdf a}s
+ n] /fi6«sf] dw];M alb{af; gu/kflnsf, jf8{ g+ !
cfly{s ljsf;df k|dv ' of]ubfgstf{sf] ?kdf a}s+ :yflkt
afUdtLM sf7df8f}+ dxfgu/kflnsf, jf8{ g+ !!
ePsf] 5 . a}s + n] :yfkgfsf pQ/f4{sf jif{x?df ce'tk'j{
pknlAw xfl;n u/L Oltxf; /r]sf] 5 . u08sLM kf]v/f dxfgu/kflnsf, jf8{ g+ *
n'lDagLM ltnf]tdf gu/kflnsf, jf8{ g+ #
;g\ !((& df la/f6gu/df :yfkgf ePsf] Pg cfO{ ;L a}s + , s0ff{nLM la/]Gb|gu/ gu/kflnsf, jf8{ g+ ^
a}s+ ckm Plzof g]kfn;Fu ufleP/ #) h'g @)!# b]lv Pg cfO{ ;'b/' klZrdM wgu9L pkdxfgu/kflnsf, jf8{ g+ $
;L Plzof a}s + sf] gfddf sf/f]af/ ;'? u/]sf] lyof] . b'O{ ;kmn
jfl0fHo a}s
+ sf] dh{/ pQm ;dosf] ;a}eGbf 7'nf] dh{/ /x]sf]
lyof] . o; a}s + b'O{ k6s "Bank Of The Year" sf] k|ltli7t
;xfos sDkgLx?
;Ddfgaf6 k'/:s[t ePsf] 5 . Financial Times, UK n]
+ nfO{ @))& / @)!# df "Bank Of The Year" 3f]lift
a}s Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8
u/]sf] lyof] . ;fy}, g]kfn rf6{8{ PsfpG6]G6 ;+:yf (Institute O{6x/L–)(, ;'g;/L
of Chartered Accountant of Nepal) n] a}s + nfO{ pTs[i6 kmf]g g+ (&& )! ^^))#$
ljQLo k|ltj]bg, Best Presented Annual Report Award, O{dn] M info@nicasialaghubitta.com
2018 af6 ;d]t ;Ddfg u/]sf] 5 .
j]a;fO{6M www.nicasialaghubitta.com
Pg cfO{ ;L Plzof Soflk6n lnld6]8
Pg cfO{ ;L Plzof a}s + zfvf ;~hfndf g]kfnsf] g+ ! a}s + aa/ dxn, sf7df8f}+
xf] . ;'ud b]lv b'ud{ ;Dd &@ lhNnfdf km}lnPsf] o; a}s+ sf kmf]g g+M (&& )! %&)%(($
xfn #%( zfvf / $&# ATMs /x]sf 5g\ . o; a}s + n] cfÇgf O{dn] M info@nicasiacapital.com
## nfv eGbf a9L ;]jfu|fxLnfO{ pTs[i6 / glagtd ;]jf k|bfg j]a;fO{6M www.nicasiacapital.com
ub{} cfPsf] 5 . Pg cfO{ ;L Plzof ;]So'l/l6h\ lnld6]8
yfkfynL, sf7df8f}+
Pg cfO{ ;L Plzof a}s + sf] # ;xfos sDkgLx? /x]sf 5g\M
Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf ln=, Pg cfO{ ;L
Plzof Soflk6n ln= / Pg cfO{ ;L Plzof ;]So'l/l6h\ ln= . ;~rfns ;ldlt
n3'ljQ / Soflk6n cfÇgf If]qsf pTs[i6 sDkgLdf k5{g\ eg] >L t'n;L/fd cu|jfn, cWoIf
;]So'l/l6h\n] l5§} sf/f]af/ yfngL ug{5] . >L lqnf]s rGb cu|jfn, ;~rfns
>L /fdrGb| ;+3O{, ;~rfns
sDkgLsf] btf{ gfdM Pg cfO{ ;L Plzof a}s
+
>LdtL ljhof :jf/, :jtGq÷dlxnf ;~rfns
sfg"gL dfGotfM klAns lnld6]8 sDkgL
>L u0f]z dfg >]i7, ;~rfns
-g]kfn :6s PS;r]Ghdf ;"lrs[t_
>L cflbTo s'df/ cu|jfn, ;~rfns
sDkgL btf{ gDa/M ^%*
>L s]zjk|;fb nD;fn, ;~rfns
sDkgL btf{ ldltM #) d] !((& -@)%$, h]7 !&_
g]kfn /fi6« a}s
+ Ohfht kq k|fKt gDa/M ^%÷)%#÷%$
k|dv' sfo{sf/L clws[t
bt{f 7]ufgfM 6]8« 6fj/, yfkfynL !!, sf7df8f},+ g]kfn
/f]zg s'df/ Gof}kfg]

sDkgL ;lrj ;Dks{
lbk]g sfs{L{ kmf]g g+M (&& )! %!!!!&& / %!!!!&(
km\ofS; g+M (&& )! %!!!!*)
k|dv
' ljQLo clws[t 6f]nk|mL g+M !^^) )! &&&!
?k]z n'O6{ n] kf]:6 aS; g+M !!)@!
www.nicasiabank.com
info@nicasiabank.com
n]vfk/LIfs
facbook.com/NicAsiaBank
P:f P cf/ P;f]l;P6:f\ twitter.com/nic_asia_bank
rf6{8{ PsfpG6]G6\:f\ instagram.com/nicasiabank
z]o/ /lhi6«f/
4
;~rfnsx?sf] k|f]kmfOn
>L t'n;L/fd cu|jfnHo" g]kfnsf] Ps ;kmn, s'zn, k|jn

/ k|ltli7t Joj;foLsf] ?kdf k|l;4 x'g'x'G5 . >L cu|jfnHo"n]
kfFr bzs b]lv b]zsf] pBf]u, jfl0fHo tyf Jofkf/ If]qdf
cgj/t ?kdf Ps ;kmn pBf]uL Joj;foLsf] ?kdf /fi6«sf]
;jf{ËL0f cfly{s tyf ;fdflhs ljsf;df pNn]vgLo 6]jf
k'¥ofpb} o; a}+ssf] cWoIfsf ;fy} k|ltli7t cf}Bf]lus 3/fgf
>L ljzfn u'|ksf] pkfWoIf, >L d}gfjtL l:6n OG8li6«hsf]
k|aGw lgb{]zs tyf cGo ljljw Jofkf/–jfl0fHo If]qx¿df
ul/dfdo e"ldsf lgj{fx ub{} cf}Bf]lus If]qdf ljlzi6
of]ubfg k'¥ofpb} cfpg' ePsf] 5 . ;fy}, pxfFn] VG
kmfp08];g dfkm{t ;dfh of]ubfgdf ;d]t pNn]Vo sfo{ ub{}
cfpg'ePsf] 5 .
>L cu|jfnHo"sf] cfly{s / ;fdflhs of]ubfgnfO{ sb/ ub{}

>L t'n;L/fd cu|jfn pxfFnfO{ g]kfn ;/sf/n] @)&& ;fnsf] ;+ljwfg lbj;sf]
cWoIf, ;+:yfks ;d'x cj;/df k|an hg;]jf >L rt'y{ åf/f lje"lift u/]sf] 5 .
ljut rf/ bzs b]lv >L lqnf]s rGb cu|jfnHo" pBf]u,

lgo{ft cfoft, Jofkf/ / a}l+ s· If]qdf ;+nUg x'gx' G' 5 . ;g\
!(&$ b]lv Jofkf/ Joj;fodf ;+nUg >L cu|jfnHo" cToGt
ldng;f/, ;DalGwt If]qsf] 1ftf, s'zn Joj:yfks / ;kmn
Joj;foLsf] ?kdf k|l;4 x'gx' G' 5 . >L cu|jfnHo" k|ltli7t
cf}Bf]lus 3/fgf >L ljzfn u|k' sf] pkfWoIf x'gx' G' 5 .
a}+ssf] ljleGg ;~rfns :t/sf ;ldltx?df pxf“ b]xfo

adf]lhdsf] e"ldsfdf ;+nUg x'g' ePsf] 5 M
n]vfk/LIf0f ;ldlt ;b:o
>L lqnf]s rGb cu|jfn

;b:o, ;+:yfks ;d'x
6
>L /fdrGb| ;+3O{Ho" tLg bzseGbf a9L ljleGg pBf]u
Joj;fodf ;+nUg x'Fb} cfpg' ePsf] 5 . lqj]0fL u|'ksf] lgb]{zs
kbdf /xg'ePsf] >L ;+3O{Ho" Joj;foLsf] gh/df cToGt
kl/lrt cg'xf/ x'g'x'G5 .
;~rfns >L /fdrGb| ;+3O{Ho" g]kfn pBf]u jfl0fHo dxf;+3

h:tf] ul/dfdo ;+u7gsf] P;f]l;o6 tkm{sf] pkfWoIf kbdf
x'g'x'G5 .
>L /fdrGb| ;+3O{

;b:o, ;+:yfks ;d'x
>L cflbTo s'df/ cu|jfnHo" Ps s'zn o'jf Joj;foL x'g'x'G5 .

xfn Unf]an 6«]l8ª sG;g{ k|f=ln=df lahg]z 8]enkd]G6 P08
dfs]{l6ª lgb]{zs / Plzog l8l:6«Ao'6;{ k|f=ln=df lgb]{zssf]
?kdf sfo{/t /xg' eO{ University of Central Oklahoma,
U.S.A af6 :gfts tyf Asian Institute of Technology af6
:gfQsf]Q/ ug{' ePsf] 5 .
a}+ssf] ljleGg ;~rfns :t/sf ;ldltx?df pxfF b]xfo

;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt ;+of]hs

sd{rf/L ;]jf ;'ljwf ;ldlt ;b:o
>L cflbTo s'df/ cu|jfn
;b:o, ;j{;fwf/0f ;]o/wgL ;d"x
>L u0f]z dfg >]i7Ho"n] tLg bzseGbf a9L ;do g]kfn a}+s
lnld6]8 / /fli6«o jfl0fHo a}+sdf ljleGg jl/i7 kbdf /lx
sfd ug'{ eO{ a}+lsË If]qsf] lj1 x'g'x'G5 . cy{zf:qdf
:gftsf]Q/ ug'{ePsf] >L u0f]z dfg >]i7Ho";Fu k|'8]lG;on
O{G:of]/]G;\ sDkgL lnld6]8sf] ;~rfns ;ldltdf /lx sfo{
u/]sf] cg'ej ;d]t /x]sf] 5 .

n]vfk/LIf0f ;ldlt ;+of]hs
hf]lvd Joj:yfkg ;ldlt ;b:o
>L u0f]z dfg >]i7
;b:o, ;j{;fwf/0f ;]o/wgL ;d"x

>LdtL ljhof :jf/Ho" o; a}+ssf] :jtGq tyf dlxnf ;+Rffns
x'g'x'G5 . jFxf;Fu rf/ bzs eGbf a9L s[lif ljsf; a}+ssf]
ljleGg kbdf sfo{ u/]sf] cg'ej 5 . ;fy}, >LdtL ljhof
:jf/Ho"n] ljutdf l8k|f]S; n3'ljQ ljlQo ;+:yf ln= df
;+rfnssf] ?kdf, hl8a'6L pTkfbg tyf k|zf]wg sDkgL ln=
sf] ;+rfnssf] ?kdf tyf km08 Dofg]hd]G6 sDkgL ln= sf]
cWoIfsf] ?kdf sfo{ ul/;Sg' ePsf] 5 . o;}u/L, >LdtL
ljhof :jf/Ho"n] Plzog O{lG:6Ro"6 ckm Dofg]hd]G6, dlgnf,
lkmlnlkG;af6 8]enKd]G6 Dofg]hd]G6df :gftsf]Q/ ug{'ePsf]
5.
>LdtL ljhof :jf/
;b:o, :jtGq tyf dlxnf ;~rfns hf]lvd Joj:yfkg ;ldlt ;+of]hs
;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt ;b:o
>L s]zjk|;fb nD;fnHo";Fu emG8} tLg bzseGbf a9L ;do

/fli6«o jfl0fHo a}+sdf sfd u/]sf] cg'ej /x]sf] 5 / jxfF
/fli6«o jfl0fHo a}+saf6 gfoa k|d'v sfo{sf/L clws[t kbaf6
lgj[t x'g' ePsf] xf] . Pd lj P / cy{zf:qdf :gftsf]Q/
ug'{ePsf] >L s]zjk|;fb nD;fnHo";Fu o'gfO{6]8 OG:of]/]G;\
sDkgL lnld6]8, g]sf] OG:of]/]G;\ sDkgL lnld6]8 tyf cf/aLaL
dr]{G6 a}+ls· sDkgL lnld6]8sf] ;~rfns ;ldltdf /lx sfo{
ug'{ePsf] cg'ea klg /x]sf] 5 .

>L s]zjk|;fb nD;fn sd{rf/L ;]jf ;'ljwf ;ldlt ;+of]hs

;b:o, ;j{;fwf/0f ;]o/wgL ;d"x hf]lvd Joj:yfkg ;ldlt ;b:o
8
ljQLo emnsx?
s'n ;DklQ -/sd ? bz nfv_
346,148 358,570
250,590
170,943 220,585
74-75 75-76 76-77 77-78 78-79
s'n shf{ -/sd ? bz nfv_
264,840 268,236
173,742
150,108
121,745
74-75 75-76 76-77 77-78 78-79
s'n lgIf]k -/sd ? bz nfv_
300,2 52 294,977
210,843
180,531
151,219
74-75 75-76 76-77 77-78 78-79

z]o/wgL sf]È -/sd ? bz nfv_
24,843
20,904
17,242
14,936
11,670
74-75 75-76 76-77 77-78 78-79
s'n ;~rfng cfDbfgL -/sd ? bz nfv_

13,818
11,354
10,683
9,506
5,358
74-75 75-76 76-77 77-78 78-79
v'b gfkmf -/sd ? bz nfv_
4,215
3,023 3,099 3,259
1,335
74-75 75-76 76-77 77-78 78-79
10
cf};t ;DklQdf k|ltkmn -k|ltzt_
1.56
1.32
1.20
1.09
0.97
74-75 75-76 76-77 77-78 78-79
O{lSj6Ldf k|ltkmn -k|ltzt_

22.73
19.26 18.43
17.09
12.09
74-75 75-76 76-77 77-78 78-79
k|lt z]o/ cfDbfgL -/sd ?=_
34.22 36.45
31.89
28.18
16.62
74-75 75-76 76-77 77-78 78-79

d"No cfDbfgL cg'kft -cg'kft_
35.27
19.01 17.34 19.10

13.09
74-75 75-76 76-77 77-78 78-79
ahf/ d"No k|lt z]o/ -/sd ?=_
994
696
553
448
316
74-75 75-76 76-77 77-78 78-79
s'n kF"hL kof{Kttf -k|ltzt_
13.50
13.32 13.38
12.47
12.24
74-75 75-76 76-77 77-78 78-79
12
u}/ ljQLo emnsx?
zfvf P l6 Pd sd{rf/L
#%( $&# $,#*%
art vftf 8]la6 sf8{ qm]l86 sf8{

#),(),^^& !%,!^,)@! !&,^$^
O{G6/g]6 a}+ls· df]afOn a}+ls· l8Dof6 vftf

;]jfu|fxL ;]jfu|fxL -Soflk6n_
!,$%,^)( !(,&@,^#% %,((,()(

14
Pg cfO{ ;L Plzof a}+s lnld6]8sf] kRrL;f}+ aflif{s ;fwf/0f ;efdf
cWoIf >L t'n;L/fd cu|jfnHo"sf] dGtAo
o; Pg cfO{ ;L Plzof a}+ssf] @% cf}+ jflif{s ;fwf/0f ;efdf pkl:yt eO{ ;efsf] ul/df a9fOlbg' ePsf]df cfb/0fLo z]o/wgL
dxfg'efjx?, lgodgsf/L lgsfosf k|ltlglwHo"x?, ;+rfnsHo"x?, a}+ssf jfXo n]vfk/LIfsHo", sfg'gL ;Nnfxsf/Ho", a}+sdf
sfo{/t sd{rf/Lx? tyf pkl:yt ;d:t a}+s kl/jf/nfO{ ;wGojfb d o; ul/dfdo ;efdf xflb{s :jfut ub{5' .
cTofw'lgs k|ljlwsf] ;fy pTs[i6 a}+lsË ;]jf k|bfg u/L a}+lsË If]qdf ljlzi6 klxrfg lgdf{0f ug]{ pRrtd nIo xfl;n ug{
xfdL ;b}j lqmoflzn /x]sf 5f}+ . ;d:t a}+s kl/jf/, ;/f]sf/jfnf / xfd|f cfb/l0fo z]o/wgL dxfg'efjx? ;dIf a}+ssf] ut
jif{sf ;du| pknlAwx?sf] ;dLIff k|:t't ug{ kfpFbf d}n] lgs} uf}/jflGjt dx;'; u/]sf] 5' .
l Joj;flos pknlAw
ut jif{ -cf=j= @)&*÷&(_ df s'n shf{ /sd ?= @^*=@# ca{, s'n lgIf]k /sd ?= @($=(* ca{, nufgL ?= %&=%%
ca{ / s'n ;DklQsf] cfsf/ ?= #%*=%& ca{ k'¥ofpg a}+s ;kmn ePsf] 5 . To;}u/L, ut cfly{s jif{df a}+s s'n ;+rfng
cfDbfgL ?= !#=*! ca{, ;+rfng d'gfkmf ?= %=(& ca{ / v'b d'gfkmf ?= $=@! ca{ cfh{g ug{ ;kmn ePsf] 5 . ;du|df
ut jif{ xfdL a}+lsË Industry df b]zs} ;jf]{Ts[i6 a}+sx?sf] ;"lrdf sfod /xg ;kmn ePsf 5f}+ eGg] tYo d oxfFx?nfO{
cjut u/fpg kfpFbf cToGt uf}/jflGjt ePsf] 5' .
ca d ;dLIff cjlw, cfly{s jif{ @)&*÷@)&( c;f/ d;fGtdf a}+sn] xfl;n u/]sf k|d'v pknlAwx? oxfFx? ;dIf
b]xfo adf]lhd /fVg rfxG5' M
l s'n shf{ ?= @^*=@# ca{ k'¥ofO{ a}+s t];|f] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t shf{ ?=!%^=%^ ca{ sf]
t'ngfdf a}+ssf] s'n shf{ &! k|ltztn] a9L /x]sf] .
l s'n lgIf]k ?= @($=(* ca{ k'¥ofO{ a}+s bf];|f] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t s'n lgIf]k ?=!&) ca{
sf] t'ngfdf a}+ssf] s'n lgIf]k &$ k|ltztn] a9L /x]sf] .
l :jb]zL d'b|f tkm{sf] Jofh gkg]{ lgIf]k ?= #*=&# ca{ k'¥ofO{ a}+s t];|f] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t
:jb]zL d'b|f tkm{sf] Jofh gkg]{ lgIf]k ?=!&=^ ca{sf] t'ngfdf a}+ssf] Aofh gkg]{ lgIf]k !@) k|ltztn] a9L /x]sf] .
l :jb]zL d'b|f tkm{sf] art lgIf]k ?= &*=^% ca{ k'¥ofO{ a}+s rf}+yf] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t art
lgIf]k ?= $^=*! ca{sf] t'ngfdf a}+ssf] art lgIf]k ^* k|ltztn] a9L /x]sf] .
l :jb]zL d'b|f tkm{sf] CASA lgIf]k ?= !!&=#( ca{ k'¥ofO{ a}+s t];|f] :yfgdf /x]sf] ;du| jfl0fHo a}+sx?sf] cf};t CASA
lgIf]k ?= ^$=$! ca{sf] t'ngfdf a}+ssf] CASA lgIf]k *@ k|ltztn] a9L /x]sf] .
l :jb]zL d'b|f tkm{sf] d'2tL lgIf]k ?= !^@=#^ ca{ k'¥ofO{ a}+s bf];|f] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t
d'2tL lgIf]k ?= *(=^# ca{sf] t'ngfdf a}+ssf] d'2tL lgIf]k *! k|ltztn] a9L /x]sf] .
l s'n Jofh cfDbfgL ?= #@=&& ca{ k'¥ofO{ a}+s klxnf] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t Jofh cfDbfgL
?= !^=$) ca{sf] t'ngfdf a}+ssf] Aofh cfDbfgL !)) k|ltztn] a9L /x]sf] .
l v'b Jofh cfDbfgL ?= !!=@( ca{ k'¥ofO{ a}+s klxnf] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t v'b Jofh cfDbfgL
?= %=*& ca{sf] t'ngfdf a}+ssf] v'b Aofh cfDbfgL (@ k|ltztn] a9L /x]sf] .
l ;+rfng cfDbfgL ?= !#=*! ca{ k'¥ofO{ a}+s klxnf] :yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t ;+rfng cfDbfgL
?= &=$$ ca{sf] t'ngfdf a}+ssf] ;~rfng cfDbfgL *^ k|ltztn] a9L /x]sf] .

l ;+rfng d'gfkmf ?= %=(& ca{ k'¥ofO{ a}+s kfFrf}+ l /0fgLlts pknlAw
:yfgdf /x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t a}+ssf] bL3{sflng Joj;flos ;kmntf k|fKt ug{sf] nflu
;+rfng d'gfkmf ?= $=)# ca{sf] t'ngfdf a}+ssf] cfjZos cfwf/zLnfx?sf] clej[l4 ug]{ p4]Zon] a}+sn]
;~rfng d'gfkmf $* k|ltztn] a9L /x]sf]] . cf=j= @)&*÷&( nfO{ "Year of Image, Experience,
Capacity and Digital Transformation” sf] ?kdf
l v'b d'gfkmf ?= $=@! ca{ k'¥ofO{ a}+s rf}+yf] :yfgdf
dgfpg] lg0f{o u/]sf lyof}+ / Joj;flos sf/f]af/nfO{
/x]sf] / ;du| jfl0fHo a}+sx?sf] cf};t v'b d'gfkmf
k|efjsf/L tj/n] Joj:yfkg ub}{ cem lj:tf/ ug{sf]
?= @=*@ ca{sf] t'ngfdf a}+ssf] v'b d'gfkmf $(
nflu a}+s ?kfGt/0fsf rf/ :tDex? Image, Experience,
k|ltztn] a9L /x]sf] .
Capacity / Digital (I-E-C-D) Transformation Goals
l k|lt z]o/ cfDbfgL ?= #^=$% k'¥ofO{ a}+s klxnf] to ul/Psf] oxfFx?nfO{ ;xif{ hfgsf/L u/fpg rfxG5' .
:yfgdf /x]sf] / cf};t k|lt a}+s ?= @!=@& eGbf
a}+ssf] k|lt z]o/ cfDbfgL &! k|ltztn] a9L /x]sf] .
l;kjfg\ dfgj ;+;fwg g} ;+:yfsf ;d[l4sf cfwf/lznf
l Return on Equity !*=$# k|ltzt ;lxt a}+s klxnf] x'g\ eGg]df a}+s ljZjf; ub{5 . o;}nfO{ rl/tfy{ ug{
:yfgdf /x]sf] / cf};t k|lt a}+s !@=*^ k|ltzt ;dLIff cjlwdf a}+snfO{ Performers’ Paradise sf]
eGbf a}+ssf] Return on Equity $# k|ltztn] a9L ?kdf ?kfGt/0f ug{sf] nflu sd{rf/Lx?sf] Robust
/x]sf] . Capacity Building df s]lGb|t eO{ sfo{ u/]sf lyof}+ . bIf
sd{rf/Lx?sf] ;d"xn] g} u|fxsju{sf] a}+lsË ;Gt'li6
l c7f]6 @@–@& sf] th'{df clej[l4 ub{5 eGg]df xfdL ljZj:t 5f}+ . ;f]xL cg'?k
s'g} klg sfd of]hgfa4 tj/n] ubf{ pRr ;kmntf xfl;n ut aif{ xfdLn] o; If]qdf pNn]Vo sfd u/]sf 5f}+ . ;fy},
ug{ ;lsG5 eGg]df a}+s k'0f{ ljZjf; ub{5 . ;lx of]hgf Digital k|ljwLdf cfwfl/t ljZj:t/Lo a}+lsË ;]jf
/ ;f] sf] s'zntfk"j{s ul/g] sfof{Gjogn] g} ;kmntfsf] ;'ljwfx? pkof]u ug]{ xfd|f u|fxsju{sf] rfxgf /x]sf]
lzv/ r'Dg ;lsG5 eGg]df xfdL ljZjf; ub{5f}+ . ;f]xL tYonfO{ x[boËd u/L Digital First Bank aGg] lbzf tk{m
cg'?k a}+sn] ;g\ @)!^ b]lv ;g\ @)@) ;Ddsf] nflu xfdLn] 7f]; ?kdf cfkm\gf] >f]t / ;fwgnfO{ ce'tk'j{
Strategy 2020 th'{df u/]sf] lyof] . pQm Strategy 2020 b[i6fGtsf ;fy kl/rflnt u/]sf 5f}+ . kmn:j?k cf=j=
n] lnPsf clwsf+z Joj;flos nIox? Strategy 2020 @)&*÷&( df &=% nfv u|fxsx? Onboard u/L s'n
;DkGg x'g'eGbf b'O{ jif{ cl3 cyf{t\ ;g\ @)!* df g} u|fxs ;+Vof #$=%$ nfv k'¥ofpg xfdL ;kmn ePsf 5f}+
xfdLn] xfl;n ug{ ;kmn ePsf lyof}+ . tt\kZrft\ a}+sn] h'g b]zsf cGo jfl0fHo a}+sx?sf] t'ngfdf ;a}eGbf a9L
cf=j= @)&%÷&^ b]lv cf=j= @)&*÷&( ;Ddsf] nflu /x]sf] cg'dfg ul/Psf] 5 .
bf];|f] bL3{sflng /0fgLlt Vision 18-22 th'{df u/]sf] /
Vision 18-22 n] lnPsf] nIox?nfO{ k5\ofpFb} cl3 a9\bf
at{dfg a}+lsË k|lt:kwf{df o; a}+snfO{ Trend Setter sf]
o; a}+s b]zs} ;a}eGbf 7"nf] Joj;flos cfsf/ ePsf]
?kdf :yflkt ug{sf] nflu Digital Business / Operation
a}}+s aGg ;kmn ePsf] tYo ;d]t d oxfFx? ;dIf ;uf}/j
nfO{ ;alns/0f / k|a4{g ug{ tyf a}+sn] k|bfg ug]{
/fVg rfxG5' . oL b'O{ cjlwsf bL3{sfnLg nIox? xfl;n
;]jfsf] u'0f:t/df j[l4 ug]{ pkfox? klxrfg ug{sf] nflu
ubf{sf cg'ejnfO{ ;d]t dWogh/ ub}{ ;dLIff cjlwdf
a}+sn] ut cf=j= df Lifestyle Universe, Digital
cf=j= @)&(÷*) b]lv cf=j= @)*#÷*$ ;Ddsf] Transformation Universe, Information Technology
cjlwsf] nflu ljleGg Joj;flos ljwfx?df csf]{ ;'gf}nf] u/L rf/j6f
Universe / Information Security Universe
/ P]ltxfl;s prfO{ xfl;n ug]{ b[9 nIosf ;fy cfufdL Universe sf] :yfkgf u/]sf] tYo oxfFx?nfO{ ;xif{
% jif{sf] Joj;flos of]hgf c7f]6 "@@–@&" th'{df hfgsf/L u/fpg rfxG5' .
ul/Psf] tYo oxfFx?nfO{ ;xif{ hfgsf/L u/fpg rfxG5' .
"c7f]6sf] cufl8 x/ nIo ;Dej 5" eGg] d'n gf/fsf
;fy c7f]6 "@@–@&" th'{df ul/Psf] / c7f]6 "@@–@&" l k|ljlwsf] k|of]u
n] lnPsf] nIo k5\ofpFb} hfFbf cfufdL % cfly{s jif{ leq} casf] a}+lsË eg]sf] Technology df cfwfl/t eO{ ul/g]
xfdL x/]s sf]0faf6 cem u|fxsd}qL, ;kmn / pTs[i6 a}+lsË xf] / cTofw'lgs k|ljlwsf] pkof]un] Production
a}+s aGg ;kmn x'g]5f}+ eGg] xfd|f] k'0f{ ljZjf; /x]sf] 5 . Jofks ?kdf a9\g], Cost of Operation 36]/ hfg] /
16
a}+sn] Long Term df cfkm\gf] shf{ u|fxsx?nfO{ sd l ;dLIff cjlwdf xfdL %,$^,!@& gofF Mobile
Jofhb/df shf{ ;'ljwf pknAw u/fpg ;Sg] Ifdtf Banking u|fxsx? xfl;n u/L s'n Mobile Banking
ljsf; x'Fb} a}+ssf] bL3{sfnLg k|lt:kwf{Tds Ifdtfdf u|fxs ;+Vof !(,&@,^#% k'¥ofpg ;kmn ePsf 5f}+ .
;d]t clej[l4 x'G5 . ;fy}, a+}lsË ;]jfsf] ;xhtf, Mobile Banking df ;du| Industry df xfd|f] ahf/
;/ntf / ultnfO{ cfw'lgs k|ljwLsf] pkof]un] g} lx:;f !@=@^ k|ltzt /x]sf] 5 . ;dLIff cjlwdf
pRrtd :t/df k'¥ofpg ;lsG5 eGg]df xfdL :ki6 5f}+ . a}+ssf] Mobile Banking u|fxsx?sf] ;+Vofdf ut
;f]lx cg'?k Digital First Bank aGg] xfd|f] pRr clenfiff jif{sf] t'ngfdf #* k|ltztn] j[l4 ePsf] 5 .
xfl;n ug{sf] nflu ;dLIff cjlwdf xfdLn] a}+ssf] l ;dLIff cjlwdf xfdL #,*^,@&( gofF Debit Card
;+/rgfnfO{ ;d]t Jofks ?kdf g} kl/dfh{g u/]sf lyof}+ . u|fxsx? xfl;n u/L s'n Debit Card u|fxs ;+Vof
at{dfg a}+lsË ;]jfdf Disruptive Innovation ug{sf] !%,!^,)@! k'¥ofpg ;kmn ePsf 5f}+ . Debit Card
nflu cTofw'lgs k|ljlwdf nufgL ug{ xfdLn] s'g} s;/ df ;du| Industry df xfd|f] ahf/ lx:;f !$=&^
afFsL g/fv]sf] oxfFx?nfO{ ;xif{ hfgsf/L u/fpg k|ltzt /x]sf] 5 . ;dLIff cjlwdf a}+ssf] Debit
rfxG5' . ;dLIff cjlwdf a}+sn] k|bfg ug]{ ljQLo Card sf] ;+Vofdf ut jif{sf] t'ngfdf #$ k|ltztn]
;]jfx?df Latest Technology Equipments, Artifcial j[l4 ePsf] 5 .
Intelligence, Machine Learning / Big Data Analytics
sf] a9L eGbf a9L k|of]u u/L a}+lsË ;]jfnfO{ cem l ;dLIff cjlwdf xfdL s'n Point of Sale u|fxs
u'0f:t/Lo agfpg xfdLn] cys k|of; / cWoogx? ;+Vof $,)(% k'¥ofpg ;kmn ePsf 5f}+ . Point of
u/]sf 5f}+ . ;fy}, ;dLIff cjlwdf a}+sn] Digital First Sale df ;du| Industry df xfd|f] ahf/ lx:;f !)
Bank aGg] p4]Zo xfl;n ug{sf] nflu cGo ;+:yfx?;Fu k|ltzt /x]sf] cg'dfg ul/Psf] 5 .
Strategic Digital Partnership, Collaboration, Alliance,
l ;dLIff cjlwdf xfdL &#,!*) gofF QR u|fxsx?
Integration h:tf sfo{x? ;d]t o'4:t/df cufl8 xfl;n u/L s'n QR u|fxs ;+Vof !,@%,)@)
a9fPsf] tYo oxfFx?nfO{ ;xif{ hfgsf/L u/fpg rfxG5' . k'¥ofpg ;kmn ePsf 5f}+ . QR df ;du| Industry
df xfd|f] ahf/ lx:;f cg'dflgt !^ k|ltzt /x]sf]
a}+sn] ut cf=j= df Omni Channel Mobile, Document 5 . ;dLIff cjlwdf a}+ssf] QR sf] ;+Vofdf ut
Management System, Cash Deposit Machine, Cash jif{sf] t'ngfdf !$! k|ltztn] j[l4 ePsf] 5 .
Recycler Machine, Robotic Process Automation,
Digital CSD, Sathi Application, Quick Pay, Online l ;dLIff cjlwdf xfdL !&,^$( gofF
Account Opening, IPO Application through MoBank E-Commerce u|fxsx? yk u/L s'n E-Commerce
nufotsf u|fxs cg'ej clej[l4 ug]{ Project x? u|fxs ;+Vof (&,#*% k'¥ofpg ;kmn ePsf 5f}+ .
sfof{Gjog ug{ a}+s ;kmn ePsf] 5 . o; sfo{af6 a}+sn] E-Commerce df ;du| Industry df xfd|f] ahf/
u|fxsju{nfO{ k|bfg ug]{ ;]jfsf] u'0f:t/ yk a9fpg tyf lx:;f cg'dflgt ( k|ltzt /x]sf] 5 . ;dLIff
a}+ssf] cfGtl/s ;+rfngnfO{ r':t b'?:t agfpg ;xof]u cjlwdf a}+ssf] E-Commerce sf] ;+Vofdf ut
k'Ug]5 . jif{sf] t'ngfdf @$ k|ltztn] j[l4 ePsf] 5 .
To;}u/L, zfvfx?df Cash Deposit Machine, Cash

l gofF Product / ;]jfx?
Recycler Machine, KIOSK Machine h:tf u|fxssf] cfjZostfn] g} a}+ssf] ;]jf / Product aGg]
pks/0fx?sf] Joj:yf ug{ z'? ul/Psf] 5, h;af6 x'g\ eGg]df o; a}+sn] ljZjf; ub{5, ;f]xL cg'?k
u|fxsju{x?n] Self Help Banking Platform sf] pkof]u u|fxsju{sf] ;f]xL ?lrnfO{ Go'gtd dfkb08 dfGb} a}+sn]
ug{ ;Sg]5g\ . cf=j= @)&%÷&^ df a}+ssf] s'n %@ ut cf=j= df @$ j6f ljz]if k|sf/sf a}+lsË ;]jf tyf
k|ltzt sf/f]af/ Digital dfWodaf6 x'g] u/]sf]df cf=j= ;'ljwfx? ;lxtsf] ;j{>]i7 Deposit Product x?
Launch u/]sf] oxfFx?nfO{ hfgsf/L u/fpg rfxG5' . o;
@)&*÷&( ;Dd cfO{k'Ubf a}+ssf] s'n *) k|ltzt
Product Series df x/]s k]zf, Joj;fo, pd]/ / If]qsf
sf/f]af/ Digital dfWodaf6 x'g] u/]sf] 5 h'g ;du|
a}+lsË Industry sf] ;a}eGbf a9L /x]sf] tYo ;d]t gful/sx?nfO{ aLdf ;'ljwfsf ;fy} lgMz'Ns cGo ljljw
oxfFx? ;dIf ;uf}/j /fVg rfxG5' . k|sf/sf a}+lsË ;'ljwfx? ;d]t pknAw u/fOPsf] 5 .
pQm Product Launch u/]sf] !# dlxgf cjlwdf pQm
Product x?df ?= &!=^* ca{ lgIf]k ;+sng ug{ a}+s

;kmn ePsf] 5, h'g s'n lgIf]ksf] sl/a @$ k|ltzt l dfgj ;+zfwg Joj:yfkg
c+z /x]sf] oxfFx?nfO{ ;xif{ hfgsf/L u/fpg rfxG5' . ;Ifd / l;kjfg\ dfgj ;+zfwgn] g} ;+:yfsf] ;d[l4
;dLIff cjlwdf ;d]t a}+sn] ahf/sf] cfjZostfnfO{ u/fpg] xf] eGg]df xfdL :ki6 5f}+ . t;y{, s'g} klg
a'emL cfkm\gf] lgIf]k tyf shf{ Product x?nfO{ kl/dfh{g sd{rf/Ln] pTs[i6 ;]jf lbgsf] nflu p;nfO{ ;Ifd
ub}{ cfPsf] 5, Mobile Banking, iServe h:tf Digital agfpg / cfjZos kg]{ l;k lbnfpg] klxnf] st{Jo
dfWodx?af6 k|jfx x'g] ;]jfx? lj:tf/ ul//x]sf] tYo a}+ssf] xf] eGg] s'/fnfO{ xfdLn] /fd|/L dgg u/]sf 5f}+ .
oxfFx?nfO{ hfgsf/L u/fpg rfxG5' . To;}n] cGo cfly{s jif{x?df h:t} ut cfly{s jif{df
;d]t a}+sn] cfkm\gf ;a} txsf sd{rf/Lx?sf] j[lQ
ljsf; / tflndsf] nflu oy]i6 nufgL ug]{ k|jGw
l ;+:yfut ;fdflhs pQ/bfloTj ldnfPsf] oxfFx?nfO{ hfgsf/L u/fpg rfxG5' . ;f]xL
;fdflhs k|ult, ;fdflhs ;d[l4 g} Joj;flos k|ult / cg'?k ;dLIff cjlwdf a}+sn] cfkm\gf sd{rf/Lx?nfO{
Joj;flos ;d[l4sf cfwf/lznf x'g\ eGg]df xfdL :ki6 s'n !,!#^ j6f cfGtl/s tflnd, @$) j6f afx\o
5f}+ . b]zsf ljkGg, u/La, j[4, cgfy / lk58LPsf tflnd / Pp6f cGt/f{li6«o tflnddf ;xefuL u/fPsf]
;d'bfox?sf] nflu lzIff, :jf:Yo / lhljsf]kfh{g ug]{ lyof], h;df s'n ;xefuL ;+Vof %#,%#^ /x]sf] lyof] .
cfwf/x? lgdf{0f / ;+/If0f, jftfj/0f ;+/If0f, ;/;kmfO{, xfdLn] x/]s tx, ljefu / k|b]zsf sd{rf/Lx?nfO{ j[lQ
wfld{s If]qsf] ;+j4{g ug]{ sfo{x? xfdLn] ljutsf jif{x? ljsf;sf] nflu ;d'lrt cj;/x? k|bfg ug]{ u/]sf 5f}+ .
b]lv g} ;+rfng ub}{ cfO/x]sf]] Joxf]/f oxfFx?nfO{ ljlbt} ;fy}, ;dLIff cjlwdf xfdLn] Quality Circle sf] lgdf{0f
5 . o;sf] cnfjf, g]kfn ;/sf/n] b]zsf ;Dk"0f{ u/L Business Function, Support Function / Control
hg;d'bfodf ljQLo kx'Fr k'¥ofpg] pRr dxTjsf] nIo Function df /x]sf Issue x?nfO{ j}1flgs ?kdf
lnPsf] ;Gbe{df a}+sn] ljs6, u|fdL0f / cw{ zx/L ;dfwfg ug{] cEof; ;d]t u/]sf 5f}+ . o; afx]s klg
If]qx?df zfvf ;~hfn lj:tf/ u/]/ g]kfn ;/sf/n] a}+ssf] k|d'v sfo{sf/L clws[t / pRr Joj:yfkgsf
ljQLo kx'Fr a9fpg lnPsf] nIo xfl;n ug{ 7f]; 6]jf kbflwsf/Lx?n] ;do ;dodf b]zsf x/]s k|b]zdf /x]sf
k'¥ofPsf] 5 . jfl0fHo a}+sx? dWo] ;a} eGbf a9L zfvf k|fb]lzs sfof{no tyf zfvf sfof{nox?sf] e|d0f u/L
;~hfn / u|fxs ;+Vof o; a}+ssf] /x]sf] 5 . s'n #%( sd{rf/Lx?nfO{ k|f]T;fxg ug]{, a}+ssf] Vision, Mission,
zfvf, !)! Extension Counter / $&# ATM ;lxt NIC ASIAN DNA, a}+ssf ljleGg Ethos cflbk|lt
b]zsf && lhNnfx? dWo] &# lhNnfx?df a}+ssf] pGd'v u/fpg] / Joj;flos l:yltsf] ;dLIff lng]
Footprint /x]sf] / b]zsf #$ b'u{d :yfgLo txx?df sfo{x? ;d]t ug]{ ul/Psf] tYo oxfFx?nfO{ cjut
cGo a}+sx?sf] kx'Fr g/x]sf] :yfgx?df ;d]t o; a}+sn] u/fpg rfxG5' .
zfvf :yfkgf u/L hg;d'bfonfO{ a}+lsË ;]jf k|bfg
ul//x]sf] tYo oxfFx? ;dIf ;xif{ /fVg rfxG5' .
l Nffef+z ljt/0f
;du|tfdf a}+ssf] cfDbfgL, v'b d'gfkmf, ljt/0fof]Uo
To;}u/L @)&( c;f/ d;fGtdf a}+sn] cfkm\gf] s'n d'gfkmf, k|lt z]o/ cfDbfgL / Return on Equity
shf{sf] *=% k|ltzt u|fdL0f -ufFp kflnsf_ If]qdf nufotsf kl/;"rsx? pTs[i6 x'Fbf x'Fb} klg a}+ssf]
lj:tf/ u/]sf] 5, h'g jfl0fHo a}+sx? dWo] ;a} eGbf a9L lgoGq0f aflx/sf] sf/0fn] ubf{ o; ;fwf/0f ;ef ;dIf
/x]sf] cg'dfg ul/Psf] 5 . a}+ssf] clwsf+z lgIf]k / nfef+z ljt/0fsf] k|:tfj k]z ul/Psf] 5}g . tyflk, b]zs}
shf{ u|fxsx? Go'g tyf dWod cfo ePsf ju{ /x]sf ;a}eGbf a9L k|lt z]o/ cfDbfgL / Return on Equity
5g\ . ;fy}, ;dLIff cjlwdf xfdLn] k|ToIf s/ / ck|ToIf ePsf] a}+s ePsf] x'gfn] ljt/0f gu/L Reserve df
s/ ;lxt s'n ?= # ca{ $! s/f]8 ?k}ofF eGbf a9L /flvPsf] /sdaf6 a}+sn] cfufdL lbgdf cem w]/}
/fhZj g]kfn ;/sf/nfO{ e'QmfgL u/L lhDd]jf/ cfDbfgL ug]{ / ;f] af6 cfufdL jif{x?df cfb/0fLo
s/bftfsf] st{Jo axg u/]sf] / of] /sd jfl0fHo z]o/wgL dxfg'efjx?sf] ck]Iff cg'?k g} nfef+z ljt/0f
a}+sx?dWo] ;a}eGbf a9L /x]sf] tYo oxfFx? ;dIf ug]{ tk{m a}+sn] s'g} sdL s;/ g/fvL cl3 a9\g] k|0f
uf}/jsf ;fy k|:t't ug{ rfxG5' . ;d]t o; ul/dfdo ;ef ;dIf ug{ rfxG5' .
18
l wGojfb 1fkg
o; Pg cfO{ ;L Plzof a}+snfO{ g]kfnsf] a}+lsË If]qdf
cu|0fL a}+ssf] ?kdf :yflkt u/fpg cxf]/fq cfgf]
ct'ngLo of]ubfg lbg'ePsf a}+ssf k|d'v ;Nnfxsf/Ho",
d]/f ;~rfns ;fyLx?, a}+ssf] k|d'v sfo{sf/L clws[t,
DNA Oversight Committee, pRr Joj:yfkgsf cGo
kbflwsf/Lx? nufot ljleGg tx / tKsfsf a}+ssf
;Dk'0f{ sd{rf/Lx?sf] of]ubfgsf] pRr k|z+;f ub}{
jxfFx?nfO{ x[bob]lv g} xflb{s wGojfb lbFb} a}+ssf] of]
k|ultdf jxfFx?sf] of]ubfgsf] pRr ;Ddfgsf ;fy
a}+ssf] o; ce'tk"j{ ;kmntfsf] >]o jxfFx?df ;dk{0f
ug{ rfxG5' .
;fy}, a}+snfO{ o; cj:yfdf Nofpg pNn]Vo of]ubfg

lbg'x'g] lgofds lgsfox?, z]o/wgL dxfg'efjx?,
u|fxsju{x? / ljleGg ;/sf/L tyf u}/;/sf/L lgsfox?
k|lt xflb{s cfef/ k|s6 ub}{ ;j} ;/f]sf/jfnfx?af6
eljiodf klg lg/Gt/ ;xof]u k|fKt x'g] clenfiffsf ;fy
oxfFx?nfO{ x[bo b]lv g} xflb{s wGojfb 1fkg ug{
rfxG5' .
wGojfb .
>L t'n;L/fd cu|jfn

cWoIf
ldlt M @)&(÷)(÷)^
:yfg M sf7df8f}+ .

20
Pg cfO{ ;L Plzof a}+s lnld6]8sf] kRrL;f}+ jflif{s ;fwf/0f ;efdf
k|d'v sfo{sf/L clws[t >L /f]zg s'df/ Gof}kfg]sf] dGtAo
;dLIff cjlw -ut cfly{s aif{_ df g]kfnsf] cy{tGqn] o;cl3 lj/n} b]vf k/]sf cg]sg cf/f]x cj/f]x / r'gf}tLsf] ;fdgf ug'k{ ¥of] .
ut cfly{s jif{df cfoftdf ePsf] pNn]Vo j[l4sf sf/0f rfn' vftf ?= ^@# ca{ #@ s/f]8n] Pjd\ zf]wgfGt/ ?= @%% cj{ @%
s/f]8n] 3f6f /xg uPsf] 5 . a9\bf] rfn' vftf 3f6fn] cy{tGqdf cfGtl/s pTkfbgeGbf dfu pRr /xg'sf] ;fy} ljQLo ;|ft] /
dfuaLrsf] cGt/ klg a9\b} uPsf] l:ylt 5 .
cfly{s jif{ @)&*÷&( df s'n j:t' lgof{t $&=! k|ltztn] j[l4 eO{ ?= @!! ca{ $^ s/f]8 k'us ] f] 5 eg] s'n j:t' cfoft @%
k|ltztn] j[l4 eO{ ?= !,*&# ca{ $$ s/f]8 k'us
] f] 5 . kmn:j?k, s'n j:t' Jofkf/ 3f6f @#=) k|ltztn] j[l4 eO{ ?= !,^^! ca{ (&
s/f]8 k'us
] f] 5 .
;dLIff cjlwdf a}s + sf] lgIf]k ?= @($=(* ca{ k'us] f] 5 eg] shf{ ?= @^*=@$ ca{ k'us ] f] 5 . To:t} a}s
+ sf] jf;nftsf] cfsf/
?= #%*=%& ca{ k'us ] f] 5 / s'n nufgL ?= %&=%% ca{ k'us ] f] 5 . To;}u/L ;dLIff cjlwdf s'n ;+rfng cfDbfgL ?= !#=*@ ca{,
;+rfng d'gfkmf ?= %=(& ca{ / v'b d'gfkmf ?= $=@! ca{ cfh{g ug{ a}s + ;kmn ePsf] 5 . To;}u/L, s'n lgis[o shf{ cg'kft )=%#
k|ltztdf l;ldt /fVg a}s + ;kmn ePsf] 5, h'g g]kfnsf] a}l+ sË Industry s} pTs[i6 dWo]sf] xf] . b]zsf s/La ## nfv u|fxsx?nfO{
b]ze/ /x]sf #%( j6f zfvf, !)! j6f PS;6]G;g sfpG6/ / $&# j6f Pl6Pd ;lxt o; a}s + n] cTofw'lgs, u|fxsd}qL / u'0f:t/Lo
a}l+ sË ;]jfx? pknAw u/fO{/x]sf] 5 .
a}s
+ n] ljut % cfly{s jif{x?df xfl;n u/]sf] k|dv
' Joj;flos pknlAwx?sf] ;f/f+z d oxfFx?nfO{ hfgsf/L u/fpg rfxG5' M
l a}s
+ sf] s'n lgIf]k cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] ?= *^ ca{ ^( s/f]8 af6 j[l4 eO{ cfly{s jif{ )&*÷)&(
;Dd cfOk'Ubf ?= @($ ca{ (& s/f]8 k'uL a}s + ;fljs gjf}+ :yfgaf6 bf];f| ] :yfgdf k'Ug ;kmn ePsf] 5 . cfly{s jif{
)&#÷)&$ sf] t'ngfdf a}s + sf] s'n lgIf]k @$) k|ltztn] a9]sf] 5, h'g ;du| jfl0fHo a}s
+ x?sf] !!& k|ltzt j[l4sf] t'ngfdf
!@# k|ltzt ljGb'n] a9L j[l4 xf] .
l a}s
+ sf] s'n shf{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] ?= &@ ca{ # s/f]8 af6 j[l4 eO cfly{s jif{ )&*÷)&(
;Dd cfOk'Ubf ?= @^* ca{ @# s/f]8 k'uL a}s+ ;fljs gjf}+ :yfgaf6 t];f| ] :yfgdf k'Ug ;kmn ePsf] 5 . cfly{s jif{ )&#÷)&$ sf]
t'ngfdf a}s+ sf] s'n shf{ @&@ k|ltztn] a9]sf] 5, h'g ;du| jfl0fHo a}s
+ x?sf] !$# k|ltzt j[l4sf] t'ngfdf !@( k|ltzt ljGb'n]
a9L j[l4 xf] .
l a}s
+ sf] art lgIf]k tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] ?= @$ ca{ &* s/f]8 af6 j[l4 eO{ cfly{s jif{
)&*÷)&( ;Dd cfOk'Ubf ?= &* ca{ ^% s/f]8 k'uL a}s + ;fljs P3f/f}+ :yfgaf6 rf}y+ f] :yfgdf k'Ug ;kmn ePsf] 5 . cfly{s
jif{ )&#÷)&$ sf] t'ngfdf a}s+ sf] art lgIf]k @!& k|ltztn] a9]sf] 5, h'g ;du| jfl0fHo a}s+ x?sf] *! k|ltzt j[l4sf] t'ngfdf
!#^ k|ltzt ljGb'n] a9L j[l4 xf] .
l a}s
+ sf] Aofh gkg]{ lgIf]k tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] ?= # ca{ $* s/f]8 af6 j[l4 eO{ cfly{s jif{
)&*÷)&( ;Dd cfOk'Ubf ?= #* ca{ &# s/f]8 k'uL a}s + ;fljs c7f/f}+ :yfgaf6 t];f| ] :yfgdf k'Ug ;kmn ePsf] 5 . cfly{s
jif{ )&#÷)&$ sf] t'ngfdf a}s + sf] Aofh gkg]{ lgIf]k !)!@ k|ltztn] a9L /x]sf] 5, h'g ;du| jfl0fHo a}s + x?sf] !#! k|ltzt
j[l4sf] t'ngfdf **@ k|ltzt ljGb'n] a9L j[l4 xf] .
l a}s
+ sf] sf;f lgIf]k tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] ?= @* ca{ @^ s/f]8 af6 j[l4 eO{ cfly{s jif{
)&*÷)&( ;Dd cfOk'Ubf ?= !!& ca{ #( s/f]8 k'uL a}s + ;fljs afXf}+ :yfgaf6 t];f| ] :yfgdf k'Ug ;kmn ePsf] 5 . cfly{s
jif{ )&#÷)&$ sf] t'ngfdf a}s + sf] CASA lgIf]k #!% k|ltztn] a9L /x]sf] 5 . h'g ;du| jfl0fHo a}s + x?sf] (@ k|ltzt j[l4sf]
t'ngfdf @@# k|ltzt ljGb'n] a9L j[l4 xf] .

• a}s
+ sf] jf;fnftsf] cfsf/ tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] ?= !)! ca{ !( s/f]8af6 j[l4 eO{ cfly{s
jif{ )&*÷)&( ;Dd cfOk'Ubf ?= #%* ca{ %& s/f]8 k'uL a}s + ;fljs bzf}+ :yfgaf6 bf];f| ] :yfgdf k'Ug ;kmn ePsf] 5 .
cfly{s jif{ )&#÷)&$ sf] t'ngfdf a}s + sf] jf;nftsf] cfsf/ @%$ k|ltztn] a9L /x]sf] 5 . h'g ;du| jfl0fHo a}s + x?sf]
!!* k|ltzt j[l4sf] t'ngfdf !#^ k|ltzt ljGb'n] a9L j[l4 xf] .
• a}s
+ sf] v'b d'gfkmf tkm{ cfly{s jif{ )&#÷)&$ df ?= ! ca{ $& s/f]8 cfh{g u/]sf] d'gfkmf cfly{s jif{ )&*÷)&( ;Dd
cfOk'Ubf ?= $ ca{ @! s/f]8 k'uL a}s + ;fljs t]Xf}+ :yfgaf6 rf}y+ f] :yfgdf k'Ug ;kmn ePsf] 5 . cfly{s jif{ )&#÷)&$ sf]
t'ngfdf a}s+ sf] v'b d'gfkmf !*& k|ltztn] a9L xf] . h'g ;du| jfl0fHo a}s + x?sf] ^% k|ltzt j[l4sf] t'ngfdf !@@ k|ltzt
ljGb'n] a9L j[l4 xf] .
• a}s
+ sf] k|lt z]o/ cfDbfgL tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] ?= @!=(^ ?k“o} faf6 j[l4 eO{ cfly{s jif{
)&*÷)&( ;Dd cfOk'Ubf ?= #^=$% ?k}of k'uL a}s + ;fljs ;qf}+ :yfgaf6 klxnf] :yfgdf k'Ug ;kmn ePsf] 5 . cfly{s
jif{ )&#÷)&$ sf] t'ngfdf a}s + sf] k|ltz]o/ cfDbfgL ^^ k|ltztn] a9L xf] . h'g ;du| jfl0fHo a}s
+ x?sf] !^ k|ltztn] Go"g
j[l4sf] t'ngfdf *@ k|ltzt ljGb'n] a9L j[l4 xf] .
• a}s
+ sf] :jM k"hF Ldf k|ltkmn tkm{ cfly{s jif{ )&*÷)&( df !*=$# k|ltzt k'uL a}s + kGw|f+} :yfgaf6 klxnf] :yfgdf k'Ug
;kmn ePsf] 5 . h'g ;du| jfl0fHo a}s + x?sf] cf};t !@=*^ k|ltztsf] t'ngfdf $# k|ltztn] a9L xf] .
• a}s
+ sf] u|fxs ;+Vof tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] sl/a % nfv &! xhf/ af6 j[l4 eO{ cfly{s jif{
)&*÷)&( ;Dd cfOk'Ubf #$ nfv %$ xhf/ k'Ug ;kmn ePsf] 5 . cfly{s jif{ )&#÷)&$ sf] t'ngfdf a}s + sf] u|fxs
;+Vof %)% k|ltztn] a9L xf] h'g ;du| jfl0fHo a}s
+ x?sf] !$! k|ltzt j[l4sf] t'ngfdf #^$ k|ltzt ljGb'n] a9L j[l4 xf] .
• a}s
+ sf] 8]la6 sf8{ k|of]ustf{sf] ;+Vof tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] sl/a ! nfv ^) xhf/ af6
j[l4 eO{ cfly{s jif{ )&*÷)&( ;Dd cfOk'Ubf !% nfv !^ xhf/ k'Ug ;kmn ePsf] 5 . cfly{s jif{ )&#÷)&$ sf]
t'ngfdf a}s+ sf] 8]la6 sf8{ k|of]ustf{sf] ;+Vofdf *$* k|ltztn] a9L xf] . h'g ;du| jfl0fHo a}s
+ x?sf] !!( k|ltzt j[l4sf]
t'ngfdf &@( k|ltzt ljGb'n] a9L j[l4 xf] .
• a}s
+ sf] df]afOn a}l+ sË k|of]ustf{sf] ;+Vof tkm{ cfly{s jif{ )&#÷)&$ sf] cGTodf sfod /x]sf] sl/a ! nfv @! xhf/
af6 j[l4 eO{ cfly{s jif{ )&*÷)&( ;Dd cfOk'Ubf !( nfv &@ xhf/ k'Ug ;kmn ePsf] 5 . cfly{s jif{ )&#÷)&$ sf]
t'ngfdf a}s+ sf] df]afOn a}l+ sË k|of]ustf{sf] ;+Vof !,%#) k|ltztn] a9]sf] 5 . h'g ;du| jfl0fHo a}s
+ x?sf] %^) k|ltzt
j[l4sf] t'ngfdf (&) k|ltzt ljGb'n] a9L j[l4 xf] .
To:t} u/L a}s

+ sf] ljut % cfly{s jif{sf] Total Capital Adequacy Ratio, Tier 1 and Tier 2 Capital Adequacy Ratio df
;d]t P]ltxfl;s glthf xfl;n ug{ a}s
+ ;kmn ePsf] 5 .
cfly{s jif{
ljj/)f
2074Œ75 2075Œ76 2076Œ77 2077Œ78 2078Œ79
Tier 1 Ratio (%) 8.66 8.24 8.35 7.36 8.80
Tier 2 Ratio (%) 3.58 5.08 5.15 5.11 4.57
Total CAR (%) 12.24 13.32 13.50 12.47 13.38
a}+sn] ljut % cfly{s jif{df Aoj;flos glthfsf] ;fy;fy} cfkm\gf] k|fylds k'FhLsf]if cg'kftnfO{ klg alnof] agfpFb} nu]sf]
5 . ljut % cfly{s jif{ dWo] ;dLIff jif{df a}+ssf] k|fylds k"FhLsf]if cg'kft *=*) k|ltzt k'u]sf] 5 h'g lgofds lgsfo
>L g]kfn /fi6« a}+sn] tf]s]sf] Go"gtd *=%) k|ltztsf] t'ngfdf )=#) k|ltzt ljGb'n] a9L xf] / a}+ssf] ljut % jif{ otfs}
;a}eGbf a9L xf] .
22
To:t} u/L a}+sn] ;dLIff jif{df k|lt z]o/ cfDbfgL ?= #^=$% cfh{g u/L ;du| jfl0fHo a}+sx?dWo] klxnf] jfl0fHo a}+s aGg
;kmn ePsf] 5, h'g ;du| jfl0fHo a}+sx?sf] cf}:ft ?= @!=@& sf] t'ngfdf &! k|ltztn] a9L xf] . To:t} u/L :jMk"FhLdf k|ltkmn
tkm{ ;dLIff jif{df a}+sn] !*=$# k|ltzt cfh{g u/L ;du| jfl0fHo a}+sx? dWo] klxnf] a}+s aGg ;kmn ePsf] 5 . h'g ;du|
jfl0fHo a}+sx?sf] cf};t !@=*^ k|ltztsf] t'ngfdf $# k|ltztn] a9L xf] . o;}u/L a}+ssf] ljt/0fof]Uo d'gfkmf ?= # ca{ $@
s/f]8 /x]sf] 5, h'g ;du| jfl0fHo a}+sx?sf] t'ngfdf t];|f] :yfgdf / ;du| jfl0fHo a}+sx?sf] cf};t ?= @ ca{ !) s/f]8 eGbf
^# k|ltztn] a9L /x]sf] 5 . @)&* cflZjg d;fGt ;Dddf a}+ssf] k|fylds k"FhLsf]if cg'kft &=#) k|ltzt dfq /x]sf]
cj:yfaf6 lg/Gt/ ?kdf ;f]df ;'wf/ ub{} r}q )&* kZrft a}+ssf] k|fylds k"FhLsf]if lgofds lgsfon] tf]s]sf] *=%) k|ltzt
eGbf a9L /x]sf] / ;f] @)&( cfiff9df cfOk'Ubf *=*) k|ltzt k'u]sf] / ;f] @)&( cflZjg d;fGtdf *=(% k|ltzt k'u]sf]
tYo ;d]t oxfFx?nfO hfgsf/L u/fpg rfxG5' . ;dLIff jif{sf] nfef+z ljt/0fsf] nflu ;dLIff jif{sf] !@ dlxgfdf g} k|fylds
k"FhLsf]if cg'kft *=%) k|ltzt sfod ug'{kg]{ eGg] lgofdsLo Joj:yf ldlt @)&* ;fn cflZjg @% ut] dfq cfPsf] sf/0fn]
ljt/0fof]Uo d'gfkmfsf] l:ylt cToGt ;xh x'Fbfx'Fb} klg nfef+z ljt/0f ug{ g;lsPsf] j:t'ut tYo cfb/0fLo z]o/wgL
dxfg'efjx?nfO lgj]bg ug{ rfxG5' . oBlk a}+ssf] k|lt z]o/ cfDbfgL, :jk'FhLdf k|ltkmn nufotsf ljQLo ;"rsf+sx? ;du|
jfl0fHo a}+sx?sf] t'ngfdf ;jf]{Ts[i6 /x]sf] tYo ;d]t oxfFx?nfO{ hfgsf/L u/fpg rfxG5' .
rfn' cfly{s jif{ @)&(÷*) sf] k|yd # dlxgfdf ;d]t a}+sn] x/]s Joj;flos ljwfx?df cfkm\gf] pTs[i6 k|bz{gnfO{ hf/L /fvL
v'b d'gfkmf tkm{ k|yd :yfg xfl;n ug{ a}+s ;kmn ePsf] 5, h;sf] ;f/f+z b]xfo adf]lhd /x]sf] tYo oxfFx?nfO{ hfgsf/L
u/fpg rfxG5' .
;du| a}+ls· If]qsf] cf};t eGbf

;du| a}+ls· Pg cfO{ ;L
qm=;+= kl/;"rs Pg cfO{ ;L Plzof a}+ssf] km/s
If]qsf] cf};t Plzof a}+s
/sd k|ltztdf
! shf{ lj:tf/ -ca{_ 158=24 273=10 114=87 73
@ lgIf]k ;+sng -ca{_ 169=62 308=18 138=56 82
# k|lt z]o/ cfDbfgL -?=_ 18=77 59=62 40=85 218
$ k"“hLdf k|ltkmn -k|ltzt_ 11=5 27=06 0=16 135
% v'b d'gfkmf -ca{_ 0=68 1=75 1=07 158
Pg cfO{ ;L Plzof a}+snfO{ Aofks ?kdf ?kfGt/0f u/L cem ;an, Uf|fxsd}qL tyf yk kl/is[t agfpgsf] lglDt xfdL
b[9;+slNkt eO{ nflu k/]sf 5f}+ . a}+ssf] ?kfGt/0fsf] nflu a}+sn] cf=j= @)&*÷&( nfO{ “Year of Image, Experience,
Capacity and Digital (IECD) Transformation” sf] jif{sf] ?kdf dgfpg] lg0f{o u/]sf lyof}+ . h;df u|fxsx?sf] Customer
Satisfaction Score, Customer Experience Score, Net Promotor Score h:tf Customer Centric Fundamental Indicator
x?df cfwfl/t eO{ ljleGg Survey u/L ;du| a}+ssf] Customer Experience Transformation sf] nflu k|efjsf/L ;+/rgfx?
lgdf{0f u¥of}+ . xfdLn] x/]s zfvf sfof{nodf IECD Transformation sf] cj:yfnfO{ k|efjsf/L ?kdf cg'udg ug{ /
u|fxsx?sf] ;Gt'i6L clej[l4 ug{sf] nflu 5'§} 8]:ssf] :yfkgf u¥of}+ h;sf] kmn:j?k ;dLIff cfly{s jif{df Customer
Satisfaction Score, Customer Experience Score / Net Promotor Score tkm{ 7'nf] km8\sf] dfg{ xfld ;kmn eof}+ . o;sf]
cnfjf Customer Experience nfO{ pTs[i6 agfpgsf nflu a}+sn] k|jfx ug]{ x/]s ;]jfx? lgwf{l/t Turn Around Time df k'/f
u/L Guaranteed Experience Framework nfu' ug]{, u|fxsju{n] a}+ssf] ;]jf k|lt u/]sf u'gf;f tyf ;Nnfx ;'emfjnfO{ pRr
k|fyldstf lbO{ ;dfwfg ug]{, a}+ssf] ;Dk"0f{ Activities / Process tyf Systems nfO{ w]/} eGbf w]/} Automation/Digitization
ug]{, a9L eGbf a9L Customer Acquisition / Servicing l8lh6n dfWodaf6 k|jfx ug]{, u|fxsju{nfO{ Seamless a}+lsË cg'ej
;lxtsf] ;jf]{Ts[i6 ;]jf k|bfg ug]{ h:tf sfo{x?nfO{ a}+sn] b|'t ultdf cufl8 a9fO/x]sf] 5 .
ljZjsf] x/]s If]qdf k|ljlwn] sfo{sf] k|s[ltdf cfd'n kl/jt{g /x]sf] jt{dfg kl/k|]Iodf Conventional Banking Approach af6
dfly p7]/ a}+sn] k|jfx ug]{ ;]jf tyf ;'ljwfx? Digital dfWodaf6 k|jfx ug{ ;lsPdf l56f], 5l/tf] / frst time right agfpg] /
a}+sn] cfkm\gf sfof{nox?df Physical Activities nfO{ ;se/ sd u/fO{ Digital Activities nfO{ oyf;So a9fpg] /0fgLlt clVtof/
u/L sfof{Gjogdf NofPsf] 5 . ;a}eGbf pTs[i6 l8lh6n a}+lsË ;]jfx? k|jfx u/L Digital First Bank aGg] /0fgLlt cg'?k

ul/Psf l8lh6n ;DaGwL k|f]h]S6x?sf] ;du| k|efj :j?k cf=j= @)&%÷&^ df a}+ssf] s'n %@ k|ltzt sf/f]af/ Digital
dfWodaf6 x'g] u/]sf]df cf=j= @)&*÷&( df cfO{k'Ubf a}+ssf] s'n *) k|ltzt sf/f]af/ l8lh6n dfWodaf6 ePsf] 5 . o;
;Fu} xfd|f] a}+s l8lh6n sf/f]af/sf] t'ngfTds cg'kft ;du| a}+lsË Industry sf] ;a}eGbf a9L ePsf] a}+s aGg ;kmn ePsf]
5 . l8lh6n dfWodaf6 yk k|efjsf/L ;]jf k|jfx ug{sf] nflu a}+sn] ut cf=j= df Omni Channel Mobile, Video KYC,
Document Management System, Cash Deposit Machine, Cash Recycler Machine, Robotic Process Automation, Digital
CSD, Sathi Application, Quick Pay, Online Account Opening, IPO Application through MoBank nufotsf Digital Project
x? ;kmntfk'j{s sfof{Gjog u/L ;+rfngdf NofO;s]sf] 5 eg] Loan Management System, KIOSK Machine, Artifcial
Intelligence, Chatbot h:tf Project x? ;d]t rfF8} sfof{Gjogdf cfpg]5g\ .
a}+sn] zfvfdf gub hDdf ug]{ Cash Deposit Machine, gub Recycle ug]{ Cash Recycler Machine, KIOSK Machine
nufotsf cTofw'lgs Device x? h8fg ug{] sfo{sf] z'?jft ul/;s]sf] 5 . ;fy} Omnichannel Based Mobile Banking sf]
k|of]u u/L u|fxsju{n] a9L eGbf a9L a}+lsË sf/f]af/ / ;'ljwfx? lng ;Sg] cj:yf a}+sn] lgdf{0f u/]sf] 5 . h;af6 zfvfdf
Visit ug]{ u|fxsx?n] ;d]t clnslt klg nfOgdf a;L ;]jf lng'kg]{ afWotfaf6 rfF8} d'Qm x'g ;Sg]5g\ . cfw'lgs k|ljwLnfO{
a}+lsË If]qdf Jofks ?kdf k|of]u ug]{ gLlt cg'?k ut cfly{s aif{df a}+sn] df]afOnaf6 shf{ k|jfx ug]{ Foneloan sfof{Gjogdf
NofPsf] 5 . oL ;a} Automation tyf Digitization Project x? sfof{Gjog ug{sf] nflu a}+sn] ah]6 / ;fwg ;|f]tsf] oy]i6
Aoj:yf ldnfPsf] 5 . ;fy} Artifcial Intelligence, Machine Learning / Big Data Analytics nufotsf kl5Nnf] k|ljlwx? a}+sdf
k|of]u ug]{ lbzfdf a}+s ltj| ultdf cufl8 al9/x]sf] 5 .
s'g} klg ;kmntf eg]sf] bL3{sfnLg of]hgfsf] th'{df / ;f]sf] k|efjsf/L sfo{Gogaf6 dfq ;Dej x'G5 eGg] xfd|f] dfGotf
/lx cfPsf] 5 . ;f]xL dfGotfsf] hudf a}+s ljutdf b'O{ /0fgLlts of]hgfx? -Strategy 2020 / Vision 18-22) sfof{Gjogdf
NofO{ ;fgf] cfsf/sf] a}+saf6 b]zsf] ;a}eGbf 7"nf] / pTs[i6 dWo]sf] a}+ssf] ?kdf :yflkt ePsf] oyfy{ tYo oxfFx?nfO{ ljlbt}
5.
ljut % jif{sf] cjlwdf Horizontal Expansion nfO{ d'Vo k|fyldstfdf /fvL Digital Pjd\ Physical Expansion tkm{ s]lGb|t
/xL Ps alnof] cfwf/lznf lgdf{0f ug{ xfdL ;kmn eof}+ . o;}sf] hudf 6]sL cfufdL % jif{ ;g\ @)@@ -cfly{s jif{ )&(÷)*)_
b]lv ;g\ @)@& -cfly{s jif{ )*#÷)*$_ ;Ddsf] cjlwnfO{ Vertical Expansion sf] Era sf] ?kdf cuf8L n}hfg] /0fgLltsf
;fy “Impossible is a myth & c7f]6sf cufl8 x/ nIo ;Dej 5” eGg] gf/f lnO{ “c7f]6 @@–@&” th'{df ul/;s]sf] 5 . o;
c7f]6 @@–@& sf] klxnf] jif{nfO{ Bank of First Choice of Employee, bf];|f] jif{nfO{ Bank of First Choice of Customers, t];|f]
jif{nfO{ Bank of First Choice of public in general, rf}+yf] jif{nfO{ Bank of First Choice of Regulators, / kfFrf} jif{nfO{ Bank
of First Choice of Shareholders sf] ?kdf cufl8 n}hfg] / pQm c7f]6nfO{ rl/tfy{ ug{sf] nflu Right Person, Right Job/
Right Role / Right Place sf] cjwf/0ffnfO{ a}+s leq yk k|efjsf/L ?kdf sfof{Gjogdf Nofpg], Key Performance Indicators
(KPI) Culture nfO{ Full Scale df pGgt tj/n] Predetermined agfpg], Big Data, Artifcial Intelligence, Penetration
Budgeting, Value of Relationship Accounting, Self Help Banking, Open Banking, Lifestyle Banking h:tf ljleGg cTofw'lgs
cjwf/0ffx?nfO{ sfof{Gjog ub}{ a}+snfO{ ;du| ljQLo ;"rsf+sx?df klxnf] :yfgdf k'¥ofO{ Dominant Market Share xfl;n ug]{
nIosf ;fy “c7f]6 @@–@&” th'{df ul/Psf] 5 . c7f]6 “22-27” dfk{mt a}+sn] k|bfg ug]{ ;]jf Pj+ Joj;flos glthfnfO{ Vertical
Expansion dfkm{t a}+ssf] pTkfbsTj, efciency, Pj+ effectiveness nfO{ cfufdL % cfly{s jif{df !) u'0ffn] j[l4 ug]{ c7f]6
ul/Psf] ;d]t oxfFx?nfO{ hfgsf/L u/fpg rfxG5' .
a}+lsË nIo xfl;n ug{ cfjZos klxnf] ;|f]t ;fwg eg]sf] ;kgf, bIftf / c7f]6 o'Qm sd{rf/L x'g\ eGg]df xfdL ljZj:t 5f}+ .
t;y{, sd{rf/Lx?sf] l;k a[l4 jxfFx?sf] eGbf klg a}+ssf] Ph]08f xf] eGg]df xfdL :ki6 5f}+ . sd{rf/Lx?sf] ;Gt'li6 xfd|f] klxnf]
k|fyldstf xf] / v'zL sd{rf/Ln] dfq v'zL u|fxsx?sf] l;h{gf ug{ ;S5 eGg] xfd|f] b[9 a'emfO{ /x]sf] 5 . To;}n] xfdLn]
sd{rf/Lx?sf] l;k a[l4 eg]sf] a}+ssf] ;DklQsf] a[l4 xf] eGg] ?kdf u|x0f u/]sf 5f}+ . ;fy}, sd{rf/Lx?nfO{ cfkm\gf] sfo{ ;dodf
k|efjsf/L tj/n] ;DkGg ug{ cfjZos kg]{ >f]t, ;fwg, tflnd, gLlt–lgod / clwsf/x?sf] k"0f{ ;'lglZrttf ub{} pTkfbsTjnfO{
Aofks ?kdf a9fpgsf] nflu Robust Enablement / Empowerment ug{] xfd|f] cEof;nfO{ ;dLIff cjlwdf ;d]t xfdLn]
lg/Gt/tf k|bfg u/]sf 5f}+ . o;n] ;du|df, Bank of 1st Choice of all the Stakeholders aGg] xfd|f] nIodf 7f]; of]ubfg lbg]5
eGg]df xfdL ljZj:t /x]sf 5f}+ .
24
cGTodf, o; a}+snfO{ ;kmntfsf] dfu{df 8f]¥ofpg ct'ngLo of]ubfg ug'{x'g] ;Dk"0f{ u|fxsx?, lgofds lgsfox? / vf;u/L
cfb/0fLo z]o/wgL dxfg'efjx?df ;Dk"0f{ a}+s kl/jf/sf] tk{maf6 xflb{s wGojfb / s[t1tf 1fkg ub{5' . a}+ssf] Mission /
Vision xfl;n ug{sf] nflu dg, jrg / sd{n] cgj/t ?kdf ;fy, ;xof]u, dfu{bz{g, ;b\efj / k|]/0ff k|bfg ug'{x'g] a}+ssf]
;~rfns ;ldltsf cWoIfHo", k|d'v ;Nnfxsf/Ho" nufot ;Dk"0f{ ;~rfnsHo"k|lt xflb{s wGojfb / s[t1tf 1fkg ug{ rfxG5' .
;fy}, a}+ssf] ljleGg tx / tKsfdf /xL x/xd]zf a}+ssf] nIok|lt bQlrQ eO{ ct'nlgo of]ubfg ug'{x'g] DNA Oversight
Committee Members nufot a}+ssf] Corporate Ofce, Provincial Ofces / Branches df /xL cf–cfkm\gf] :yfgaf6 a}+ssf]
;kmntfsf] nflu cxf]/fq v6\g'x'g] ;Dk"0f{ sd{rf/Lju{x?sf] cd"No of]ubfgsf] pRr sb/ ub}{ oxfFx?sf] of]ubfg k|lt ljz]if
wGojfb 1fkg ub{5' .
wGojfb .
/f]zg s'df/ Gof}kfg]

k|dv
' sfo{sf/L clws[t
ldlt M @)&(÷)(÷)^
:yfg M sf7df8f}+ .

DNA OVERSIGHT COMMITTEE
26
;~rfns ;ldltsf] k|ltj]bg @)&*÷&(
cfb/0fLo z]o/wgL dxfg'efjx?, ;dLIff cjlwdf a+}ssf] s'n shf{ !=@* k|ltztn] j[l4 eO{
o; a+s } sf] kRrL;f}+ jflif{s ;fwf/0f ;efdf ;xefuL x'g kfNg' ? @^*=@# ca{ k'u]sf] 5 eg] lgIf]k ;+sng !=&^ k|ltztn]
ePsf]df a}s + ;~rfns ;ldlt Pj+ ;Dk"0f{ a}s + kl/jf/sf] sdL eO{ ? @($=(* ca{ k'u]sf] 5 . ;f]xL cjlwdf ;du|
tkm{af6 oxfFx?nfO{ xflb{s :jfut tyf Gofgf] clejfbg JoQm jfl0fHo a+}lsË If]qsf] shf{ tyf lgIf]kdf qmdzM !@=$$
ub{5f}+ . k|ltzt / * k|ltztn] j[l4 ePsf] 5 . ;fy}, a+}ssf] jf;nftsf]
cfsf/ #=%( k|ltztn] j[l4 eO{ ?= #%*=%& ca{ k'u]sf] 5 .
ljZjJofkL sf]/f]gf dxfdf/Lsf] nx/ sd eP;Fu} ;dLIff
cjlwdf shf{sf] cToflws dfusf] t'ngfdf lgIf]ksf] j[l4 cf=j= @)&*÷&( df cl3Nnf] jif{sf] t'ngfdf a}+ssf]
cg'kft sd x'bF f shf{ lgIf]k cg'kftdf c;Gt'ng eO{ t/ntfdf ;~rfng d'gfkmfdf @$=#@ k|ltzt / v'b d'gfkmfdf @(=##
;+sr' g cfPsf] / nufgLof]Uo /sdsf] cefjsf] cj:yfdf a}s + k|ltztsf] j[l4 eO{ qmdzM ? %=(& ca{ tyf ? $=@! ca{
tyf ljQLo ;+:yf u'lh|Psf] lyof] . o:tf] cj:yfdf k"j{ o'/f]kdf cfh{g ug{ a}+s ;kmn ePsf] 5 . ;dLIff cjlwdf a+}ssf]
;'? ePsf] o'4n] t]n, vfB kbfy{ tyf cGo cf}Bf]lus sRrf kF"hLdf k|ltkmn / ;DklQdf k|ltkmn qmdzM !*=$# k|ltzt
kbfy{df cToflws d'Noa[l4n] ljZj cy{tGqdf cfly{s dGbLsf] / !=@) k|ltzt /x]sf] 5, h'g cl3Nnf] jif{ qmdzM !&=)(
cj:yf x'bF f cy{tGqnfO{ ;Gt'ngdf /fVg s]GıLo a}s + af6 k|ltzt / !=)( k|ltzt /x]sf] lyof] . cl3Nnf] cf=j= df
cfoft k|ltaGw tyf cg'Tkfbs If]qdf k|jfx x'g] shf{ lj:tf/ a+}ssf] k|lt z]o/ cfDbfgL ? @*=!* /x]sf]df ;dLIff cjlwdf
/f]Sg] gLlt cjnDjg ul/of] . o:tf] sl7g kl/l:yltsf] afah'b @(=#% k|ltztsf] j[l4 eO{ ? #^=$% cfh{g u/]sf] 5 .
a}s
+ n] cfly{s jif{ @)&*÷&( df klg ;Gtf]ifhgs pknlAw
xfl;n u/]sf] 5 . cfly{s dGbLsf] ;DefjgfnfO{ Go"gLs/0f • r'Qmf kFh
" L tyf kFh
" L kof{Kttf cg'kft
ug{ lgofds lgsfosf] ljleGg sl;nf] Joj:yfx? aLr a}s + n] cfly{s jif{ @)&*÷&( df a+s } sf] kFh" L kof{Kttf cg'kft
Joj;fodf ;Gtf]ifhgs k|ult u/]sf] 5 . !#=#* k|ltzt /x]sf] 5 . ;dLIff cjlwdf a+s } sf]
Go'gtd kFh" L kof{Kttf cg'kft lgodgsf/L lgsfo >L
cfly{s jif{ @)&*÷&( df a}s + n] u/]sf k|ultx?, xfl;n g]kfn /fi6« a+s
} n] tf]ss
] f] Go"gtd cg'kft !! k|ltzt
u/]sf pknlAwx?, a}s + ;~rfngdf b]lvPsf r'gf}tLx? Pj+ eGbf @=#* k|ltzt ljGb'n] a9L /x]sf] 5 .
eljiosf cNksfnLg tyf bL3{sfnLg of]hgfx? / ;du| a}l+ sË
If]qsf] ;dLIff / k'g/fjnf]sg ug{ sDkgL P]g, @)^#, lwtf]kq • ;l~rt d'gfkmf tyf hu]8f sf]if
btf{ tyf lgisfzg lgodfjnL @)&# -5}7f}+ ;+zf]wg_, tyf ;dLIff cjlwdf v'b gfkmfdf ePsf] @(=## k|ltztsf] j[l4sf]
a}s
+ tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] cwLgdf /xL sf/0f a}s+ sf] hu]8f sf]if @& k|ltztn] j[l4 eO{ ? (=*%
tof/ ul/Psf] of] k|ltj]bg ;~rfns ;ldltsf] tkm{af6 a}s
+ sf] ca{ k'us] f] 5 h'g cl3Nnf] jif{ ? &=&$ ca{ /x]sf] lyof] .
kRrL;f}+ jflif{s ;fwf/0f ;efdf k|:t't u/]sf 5f}+ . To:t}u/L, ;l~rt d'gfkmfdf !!$=@% k|ltztsf] j[l4 eO{ ?
s= cfly{s jif{ @)&*÷&( df a+}ssf] sf/f]jf/sf] l;+xfjnf]sg M #=$# ca{ k'us ] f] 5, h'g cl3Nnf] jif{ ? !=^) ca{ /x]sf]
cfly{s jif{ @)&*÷&( sf] k|ult ljj/0f ;du|df lgDg lyof] .
cg';f/ /x]sf] 5 M -/sd ?= bz nfvdf_
ljj/0f cfiff9 d;fGt cfiff9 d;fGt j[l4 • lgIf]k ;+sng
@)&* @)&( -k|ltztdf_
r'Qmf kFh" L 11,564 11,564 - ;dLIff cjlwdf a+s } sf] s'n lgIf]k ;+sng ? @($=(*
lgIf]k 3,00,252 2,94,977 (1.76) ca{ k'us] f] 5, h'g ut cfly{s jif{sf] t'ngfdf !=&^
s'n shf{ 2,64,840 2,68,236 1.28 k|ltztsf] sdL xf] . ;f]xL cjlwdf jfl0fHo a+s } x?sf]
nufgL -() lbgeGbf sdsf] 6]h« /L ljN; afx]s_ 34,558 40,313 16.65
cf};t lgIf]k j[l4b/ sl/a * k|ltzt /x]sf] 5 . ;dLIff
s'n ;DklQ 3,46,148 3,58,570 3.59
;~rfng d'gfkmf 4,798 5,965 24.32
cjlwdf a+s } n] d'2tL lgIf]kdf )=& k|ltzt tyf rNtL
v'b gfkmf 3,259 4,215 29.33 lgIf]kdf ^$ k|ltzt j[l4 xfl;n u/]sf] 5 eg] a}s + sf]
v'b gfkmf÷s'n ;DklQ -k|ltzt_ 1.09 1.20 10.09 art lgIf]kdf eg] !# k|ltztn] sdL ePsf] 5 .
k"hF Ldf k|ltkmn (Return on Equity) -k|ltzt_ 17.09 18.43 7.84
lgis[o shf{÷s'n shf{ cg'kft -k|ltzt_ 0.50 0.53 6.00
;du| a}l+ sË If]qdf Pg cfO{ ;L Plzof a}s
+ sf] s"n
k|lt z]o/ cfDbfgL -?_ 28.18 36.45 29.35

lgIf]kdf ahf/ lx:;f ^=$( k|ltzt /x]sf] 5, h'g 5 . ;f]xL /0fgLlt cg'?k a+}sn] k|lqmofnfO{ ;xh / ;/n
cl3Nnf] jif{ &=!$ k|ltzt /x]sf] lyof] . ;fy}, cf=j= agfpg'sf ;fy} shf{sf] bfo/f km/flsnf] agfPsf] 5
@)&*÷&( df a}s + sf] lgIf]kdf sdL cfPtf klg a}s
+ sf] / ;;fgf shf{x?df hf]8 lbO{ eljiodf pTkfbgd'ns
;du| :yfg eg] ? @($=%@ ca{sf ;fy bf];f| ] :yfgdf shf{x?df yk j[l4 xfl;n ug]{ nIo lnFb} cuf8L a9\b}
/x]sf] 5 . uPsf] 5 .
sl/a ## nfv s'n u|fxs vftf ;lxt o; a}s+ g]kfns} ;dLIff cjlwdf a+}ssf] s'n shf{ gf]S;fgL Joj:yf
pRr u|fxs ;+Vof /x]sf] a}s
+ aGg ;kmn ePsf] 5 . cl3Nnf] jif{sf] ?= $=@! ca{af6 a9]/ ? %=)* ca{
k'u]sf] 5 . o; cfly{s jif{df ? *^=%# s/f]8 shf{
g]kfn /fi6« a+s
} sf] lgb]z
{ g cg';f/ @)&( cfiff9 d;fGt gf]S;fgL Joj:yf yk ul/Psf] 5 . s'n shf{ gf]S;fgL
;Dddf s'n lgIf]kdf ;+:yfut lgIf]ksf] cg'kft a9Ldf Joj:yf / s'n lgliqmo shf{sf] cg'kft #%& k|ltzt
%) k|ltzt sfod /fVg' kg]d{ f a+s } n] JolQmut tyf /x]sf] 5 . cl3Nnf] jif{ )=%) k|ltzt /x]sf] s'n
;+:yfut lgIf]k cg'kft tf]ss ] f] ;Ldf leq} /xg] u/L lgDg shf{df s'n lgliqmo shf{sf] cg'kft o; jif{ )=%#
adf]lhd lgIf]k sfod u/]sf] 5 M k|ltzt /x]sf] 5 .
lgIf]ksf] k|sf/ k|ltzt a+}sn] cjnDag u/]sf] bL3{sfnLg /0fgLlt cg'?ksf] nIo
;+:yfut lgIf]k 35 xfl;n ug{ ;fgf shf{ k|jfxnfO{ k|fyldstfdf /fv]sf]
JolQmut lgIf]k 65
5 . ;f]xL /0fgLlt cg'?k cfufdL lbgx?df gofF shf{x?
k|jfx ubf{ shf{ hf]lvdnfO{ dWogh/ ub}{ a+}ssf] v/fa
a+s
} n] b]ze/ 5l/P/ /x]sf ;—;fgf lgIf]k ;+sngdf shf{ tyf shf{ gf]S;fgLnfO{ Go"gLs/0f ug]{ p2]Zosf
k|fyldstf lbO{ ;dLIff cjlwdf lgIf]ksf] cfwf/ dha't ;fy shf{ c;'nL tyf Joj:yfkg k|lqmofnfO{ ;d]t yk
agfpg ;kmn ePsf] 5 . ;fy}, a}s + n] rfn' cf=j= df ;'b[9 tyf ;an agfpb} nlug] 5 .
;d]t lgIf]k j[l4 ug]{ /0fgLltnfO{ lg/Gt/tf lbPsf] 5,
h;af6 a+s } sf] sf]ifsf] nfutdf klg ;'wf/ cfpg] ck]Iff • nufgL -() lbgeGbf sdsf] 6]«h/L ljN; afx]s_
ul/Psf] 5 . ;dLIff cjlwdf a+}ssf] s'n nufgL cl3Nnf] jif{sf]
t'ngfdf !& k|ltztn] j[l¢ eO{ ? $)=#! ca{ k'u]sf]
• shf{ tyf shf{ gf]S;fgL Joj:yf 5 . tyfkL 6]«h/L ljN; ;lxt a}+ssf] s"n nufgL
;dLIff cjlwdf a+}ssf] s'n shf{ /sd cl3Nnf] jif{sf] ? %&=%^ ca{ k'u]sf] 5 . h'g cl3Nnf] jif{sf] -? %)=*!
t'ngfdf !=@* k|ltztn] j[l4 eO{ ? @^*=@# ca{ k'u]sf] ca{_ t'ngfdf !#=@$ k|ltztn] a9L xf] . s'n nufgL
5 . ;f]xL cjlwdf jfl0fHo a+}sx?sf] cf};t shf{ j[l4 dWo] 6]«h/L lan, ;/sf/L C0fkq tyf cGo nufgLsf]
!@=$$ k|ltzt /x]sf] 5 . a}+ssf] ahf/ lx:;f ^=$! c+z qmdzM @^ k|ltzt, ^@ k|ltzt / !@ k|ltzt
k|ltzt /x]sf] 5, h'g cl3Nnf] cf=j= sf] ahf/ lx:;f /x]sf] 5 .
&=!@ k|ltztsf] t'ngfdf s]xL sdL /x]sf] 5 . s'n
? @^*=@# ca{sf] shf{ lj:tf/sf ;fy a}+s a}+lsË o; a+}sn] nufgLof]Uo /sdsf] clwstd ;b'kof]u ug]{,
If]qdf t];|f] :yfgdf /x]sf] 5 . nufgLdf ljljwtf ckgfpg] tyf nufgLsf] ;du|
k|ltkmnnfO{ j[l4 ug{sf] nflu pRr ;t{stfsf ;fy
a}sn] o; jif{ l/6]n a}+lsË shf{df )=# k|ltzt, ;fgf nufgLsf] bfo/f km/flsnf] u/fpFb} cfPsf] 5 .
tyf demf}nf shf{df $=^ k|ltzt tyf ljkGg ju{
shf{df ! k|ltztsf] j[l4 xfl;n u/]sf] 5 eg] a}+ssf] a+}sn] Do'r'cn km08 tyf z]o/df ? $=^* ca{ nufgL
skf]{/]6 shf{df eg] %=^ k|ltztn] sdL cfPsf] 5 . u/]sf] 5 . kF"hL ahf/df ul/Psf] nufgL d'VotM nfef+zsf]
?kdf lbuf] k|ltkmn lbg] Ifdtf ePsf sDkgLx?df
cfgf] bL3{sfnLg /0fgLlt cg'?k a+}sn] sd hf]lvdo'Qm /x]sf 5g\ / a+}sn] ;dLIff cjlwdf pQm nufgLx?af6
l/6]n tyf pTkfbgd"ns ;fgf tyf demf}nf shf{nfO{ yk ? @%=$ s/f]8 gub nfef+z ;d]t cfh{g u/]sf] 5 .
;/nLs[t agfpg'sf ;fy} u|fxssf] cfjZostfnfO{ ;xL
?kdf klxrfg u/L gofF shf{ of]hgfx?sf] ljsf; u/L
u|fxsx?sf] dfem klxnf] /f]hfO{sf] a+}s aGg] nIo lnPsf]
28
• Jofh cfDbfgL /0fgLltsf ;fy a}+sn] bL3{sflng nIox? cjnDag
;dLIff cjlwdf a+}ssf] Jofh cfDbfgL #( k|ltztn] j[l4 u/]sf] 5 .
eO{ ? #@=&& ca{ cfh{g u/]sf] 5 . ;dLIff cjlwdf
a+}ssf] shf{tk{msf] Jofh cfDbfgL #* k|ltztn] j[l4 eO{ • v'b z'Ns tyf sldzg cfDbfgL
? #)=## ca{ cfh{g u/]sf] 5 eg] nufgLtk{msf] Jofh ;dLIff cjlwdf a+s } n] v'b z'Ns tyf sldzg cfDbfgL
cfDbfgL %& k|ltztn] j[l4 eO{ ? @=#( ca{ cfh{g ug{ tkm{ ? @ ca{ @ s/f]8 cfh{g u/]sf] 5, h'g cl3Nnf] jif{sf]
;kmn ePsf] 5 . t'ngfdf @% k|ltztsf] j[l4 xf] .
a+s
} n] cfh{g ug]{ v'b d'gfkmfdf sldzg tyf cGo ;~rfng
;dLIff cjlwdf s'n shf{df !=@* k|ltztn] dfq cfDbfgLsf] lx:;f a9fpg] /0fgLlt cg'?k a+s } n] ;dLIff
j[l4 ePtf klg Jofhb/df j[l4 x'Fbf shf{tk{msf] Jofh cjlwdf ljleGg gjLgtd ;]jf tyf ;'ljwfx? lj:tf/
cfDbfgLdf #( k|ltztn] j[l4 ePsf] 5 . 6]«h/L laN;sf] u/]sf] 5, ;fy} ;fljssf ;]jf tyf ;'ljwfx?nfO{ k|lt:kwL{ /
nufgL ;/sf/L C0fkqdf ul/Psf] clwstd nufgL u|fxsd}qL agfpFb} ;do ;fk]If kl/dfh{g u/]sf] 5 .
k|lt:yfkgn] nufgL tk{msf] Jofh cfDbfgL eg] %&
k|ltztn] j[l4 ug{ a}+s ;kmn ePsf] 5 . • cGo ;~rfng cfDbfgL
;dLIff cjlwdf a+}ssf] cGo ;~rfng cfDbfgL #%
• Jofh vr{ k|ltztn] j[l4 eO{ ? #)=$ s/f]8 cfh{g ePsf] 5, h'g
;dLIff cjlwdf a+}ssf] Jofh vr{ %) k|ltztn] j[l4 cl3Nnf] jif{ ? @@=% s/f]8 /x]sf] lyof] . a+}ssf] cGo
eO{ ? @!=$* ca{ k'u]sf] 5 . ;dLIff cjlwdf a+}ssf] ;~rfng cfDbfgLdf nufgLaf6 nfef+zsf] cfDbfgLsf]
lgIf]k ;+sngtkm{sf] Jofh vr{ %@ k|ltztn] j[l4 eO{ lx::ff *# k|ltzt /x]sf] 5 .
? @)=## ca{ k'u]sf] 5 eg] C0fkqtkm{sf] Jofh vr{
!) k|ltztn] j[l4 eO{ ? !=)% ca{ k'u]sf] 5 . • sd{rf/L vr{
;dLIff cjlwdf a+}ssf] s'n sd{rf/L vr{ #$=$
lgIf]kdf sdL cfPtf klg Aofhb/ j[l4sf sf/0f a+}ssf] k|ltztn] j[l4 eO{ ? $=%) ca{ k'u]sf] 5, h'g cl3Nnf]
lgIf]ktkm{sf] Jofh vr{ ;d]t ;dLIff cjlwdf %@ jif{ ? #=#% ca{ /x]sf] lyof] . s'n sd{rf/L vr{df,
k|ltztn] j[l4 x'g uPsf] 5 . sd{rf/L af]g; klg ;dfj]z ePsf] 5, h'g ut cf=j=
sf] t'ngfdf @( k|ltztn] j[l4 eO{ ? ^^=^ s/f]8 x'g
a}+sn] cjnDag u/]sf] bL3{sfnLg /0fgLlt cg'?k k'u]sf] 5 .
a+}ssf] s'n lgIf]kdf rNtL tyf jrt vftfsf] c+z j[l4
ub}{ hfg] nIo xfl;n ug{ a+}sn] ;dLIff cjlwdf ljleGg ljleGg ljefu tyf zfvfdf ljZf]if ;Lk tyf Ifdtf
cfsif{s jrt lgIf]ksf of]hgfx? ;d]t u|fxs ;dIf ePsf sd{rf/Lx?sf] dfu kl/k"lt{ ug{sf nflu a+}sn]
NofPsf] 5 . o;af6 cfufdL lbgx?df a}+ssf] lgIf]ksf] ;dLIff cjlwdf ljut jif{sf] t'ngfdf yk sd{rf/L
nfutdf qmlds ;'wf/ cfO{ ;du| a+}ssf] sf]ifsf] nfut lgo'lQm u/]sf] tyf a+}sn] lgoldt ?kdf bIf sd{rf/Lsf]
sd x'g] ljZjf; a}+sn] lnPsf] 5 . kbf]GGftL tyf jflif{s sfo{ ;Dkfbg Ifdtfsf] d"NofÍg
u/]sf]n] o; jif{ sd{rf/L vr{df j[l4 ePsf] xf] . ;dLIff
• v'b Jofh cfDbfgL cjlwdf sd{rf/L ;+Vof $,#*% k'u]sf] 5 .
;dLIff cjlwdf Jofkf/ Joj;fodf ePsf] j[l4 tyf
g]kfn /fi6« a}+sn] tf]s]sf] Jofhb/ cGt/sf] ;LdfnfO{ a+}sn] sd{rf/Lx?sf] Ifdtf clej[l4 ug{sf] nflu
kfngf u/L a+}ssf] s'zn Joj:yfkgaf6 v'b Jofhb/ x/]s jif{ lgoldt tflndx? cfof]hgf ub}{ cfPsf] 5 .
cGt/nfO{ lgofds lgsfon] k|bfg u/]sf] ljGb' ;Dd sd{rf/Lx?sf] tflnddf ;dLIff cjlwdf ? !!=*^ s/f]8
clwstd sfod /fVg] k|of;n] a+}ssf] v'b Jofh cfDbfgL vr{ ePsf] 5, h'g o; jif{sf] s'n sd{rf/L vr{sf]
cl3Nnf] jif{sf] t'ngfdf @@=#% k|ltztn] j[l4 eO{ -sd{rf/L af]g; ;lxt_ @=^$ k|ltzt x'g cfpF5 .
? !!=@( ca{ cfh{g ug{ ;kmn ePsf] 5 . g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&* sf]
O=k|f= lgb]{zg g+= ^÷)&* sf] a'Fbf g+= ^ cg';f/ a}+sn]
cfufdL lbgx?df pknAw sf]ifsf] cToflws ;b'kof]u k|To]s jif{ ut cfly{s jif{sf] s'n tnaeQf vr{sf]
ug{sf nflu shf{ tyf lgIf]k cg'kft tyf v'b Jofhb/ Go"gtd # k|ltzt /sd sd{rf/Lx?sf] bIftf clej[l4sf]
cGt/nfO{ oyf;So a9L pkof]u ug{ ljz]if hf]8 lbg] nflu tflnd tyf j[lQ ljsf;df vr{ ug'{kg]{ Joj:yf

/x]sf]df a}+sn] %=^( k|ltzt /sd vr{ u/]sf] 5 . -/sd ? bz nfvdf_
ljj/0f o; jif{ ut jif{
sd{rf/Lx? g} a+}ssf] ;a}eGbf d"Nojfg ;DklQ x'g\ eGg] ;l~rt d'gfkmf -z'?sf] df}Hbft_ 1,600 1,976
dfGotfnfO{ cfTd;ft ub}{ a}+ssf] bL3{sfnLg /0fgLlt o; jif{sf] v'b gfkmf 4,215 3,259
cg'?k a+}snfO{ yk ;an agfpgsf] nflu cfjZos yk k"FhLut hu]8f sf]ifaf6 /sdfGt/ - -
hgzlQm tyf sd{rf/Lsf] Ifdtf tyf ;Lk clej[l4sf cGo lj:t[t cfDbfgL -O{lSj6L 131 163
pks/0fsf] nufgLdf nfe_
nflu ul/Psf] vr{nfO{ a}+sn] nufgLsf] ?kdf lnPsf] 5
z]o/ lk|ldodaf6 /sdfGt/ - -
/ cfpFbf lbgx?df o;sf] k|ltkmn Joj;fo / d'gfkmf
hDdf 5,946 5,398
j[l4sf] ?kdf k|fKt x'g] ljZjf; ;d]t a}+sn] lnPsf] 5 .
afF8kmfF8 M
;fwf/0f hu]8f sf]if 843 652
• x|f; tyf ckn]vg ;6xL 36a9 sf]if 0 8
;dLIff cjlwdf a+}ssf] x|f; tyf ckn]vg vr{ $=% Pg cfO{ ;L Plzof aG8 lkmtf{ hu]8f 1,465 790
k|ltztn] j[l4 eO{ ? #*=% s/f]8 k'u]sf] 5, h'g cl3Nnf] sf]if
jif{ ? #^=* s/f]8 /x]sf] lyof] . ;DklQ tyf pks/0f :yug s/ hu]8f sf]if - -
/ VoftL tyf cd"t{ ;DklQdf qmdzM ?= $@=!$ s/f]8 nufgL ;dfof]hg sf]if - 150
/ ?= $=^ s/f]8 yk ePsf sf/0f x|f; tyf ckn]vg ;fdflhs pQ/bfloTj sf]if 42 33
vr{ $=% k|ltztn] j[l4 x'g uPsf] xf] . lgodgsf/L sf]if 168 521
gub nfef+z e'QmfgL - 97
• cGo ;~rfng vr{ af]g; z]o/ ljt/0f -cf=j= - 1,846
;dLIff cjlwdf a+}ssf] cGo ;~rfng vr{ #) k|ltztn] @)&^÷&& sf] nflu_
j[l4 eO{ ? @=! ca{ k'u]sf] 5, h'g cl3Nnf] jif{ ? !=^! ;l~rt d'gfkmf -clGtd df}Hbft_ 3,427 1,600
ca{ /x]sf] lyof] . k]zfut / sfg'gL vr{, sfof{no

Joj:yfkg vr{ tyf cGo vr{df cfPsf] j[l4sf sf/0f a}sn] o; jif{sf] v'b gfkmfsf] @) k|ltzt cyf{t
cGo ;~rfng vr{df #) k|ltztn] j[l4 cfPsf] 5 . ? *$=# s/f]8 ;fwf/0f hu]8f sf]ifdf tyf ;6xL
36a9 sf]if, Pg cfO{ ;L Plzof a08 lkmtf{ hu]8f sf]if,
• nfut tyf cfDbfgLsf] cg'kft ;fdflhs pQ/bfloTj sf]if tyf lgodgsf/L sf]ifdf
;dLIff cjlwdf a+}ssf] nfut tyf cfDbfgLsf] cg'kft qmdzM ? )=)@ s/f]8, ? ! ca{ $& s/f]8, ? $=@!
@=@^ k|ltzt j[l4 x'Fb} $&=)* k|ltzt x'g k'u]sf] 5, s/f]8 / ? !^=*! s/f]8 af8FkmfF8 u/]sf] 5 .
h'g cl3Nnf] jif{ $$=*@ k|ltzt /x]sf] lyof] .
g]kfn /fi6« a}+saf6 hf/L PsLs[t lgb]{zg @)&* sf]
• gfkmf÷gf]S;fg afF8kmfF8 ljj/0f O=k|f= lgb]{zg g+= ^÷)&* sf] a'Fbf g+= !^ adf]lhd
a+}sn] o; cfly{s jif{df ? $=@! ca{ v'b d'gfkmf x/]s cfly{s jif{sf] v'b gfkmfsf] ! k|ltzt /sd
cfh{g u/]sf] 5 / v'b d'gfkmfsf] afF8kmfF8 ljj/0f lgDg ;fdflhs pQ/bfloTj sf]ifdf hDdf ug{' kg]{ Joj:yf
cg';f/ /x]sf] 5 M cg'?k a}+sn] ut cf=j= sf] nflu ? $=@! s/f]8
pQm sf]ifdf /sdfGt/ u/]sf] 5 . pQm sf]ifaf6 a+}sn]
rfn' cfly{s jif{df /fi6« a+}sn] tf]s] adf]lhd ljleGg
;fdflhs pQ/bfloTj sfo{df vr{ u/L cfÇgf] ;fdflhs
pQ/bfloTjsf sfo{x? cufl8 a9fpg] of]hgf /x]sf] 5 .
dflysf ;Dk'0f{ /sdfGt/ tyf afF8kmfF8 kl5 a+}ssf]

;l~rt d'gfkmf ? #=$# ca{ /x]sf] 5 .
30
-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sf/f]af/nfO{ @)&( c;f/ dlxgfdf jflif{s ljGb'ut pkef]Qmf
k/]sf] c;/ d'b|f:kmLlt *=)* k|ltzt /x]sf] 5 . @)&* c;f/
dlxgfdf o:tf] d'b|f:kmLlt #=^) k|ltzt /x]sf] lyof] .
!= ljZj cy{tGq ljZjJofkL ?kdf ePsf] OGwg tyf vfB j:t'sf] d"Noj[l4,
;g\ @)@! df ^=) k|ltztn] lj:tf/ ePsf] ljZj cfk"lt{ k|0ffnLdf cfPsf] Jojwfg tyf g]kfnL d'b|f
cy{tGq ;g\ @)@@ df #=@ k|ltzt / ;g\ @)@# df cd]l/sL 8n/;Fu cjd"Nog ePsf sf/0fn] cfly{s jif{
@=& k|ltztn] j[l4 x'g] cGt/f{li6«o d'b|f sf]ifsf] k|If]k0f @)&*÷&( sf kl5Nnf dlxgfx?df d'b|f:kmLltdf rfk
5 . ;g\ @)@! Dff %=@ k|ltztn] lj:tf/ ePsf] ljsl;t /xg k'Uof] . oBlk cfly{s jif{ @)&*÷&( sf] z'?jftL
cy{tGqsf] j[l4b/ ;g\ @)@@ df @=$ k|ltztdf ;Lldt dlxgfx?df Go"g d'b|f:kmLlt /x]sf] sf/0f jflif{s cf};t
x'g] / ;g\ @)@! df ^=^ k|ltztn] lj:tf/ ePsf] pkef]Qmf d'b|f:kmLlt ^=#@ k|ltztdf ;Lldt /xof] .
pbLodfg tyf ljsf;f]Gd'v cy{tGqsf] j[l4b/ ;g\ cl3Nnf] cfly{s jif{ o:tf] d'b|f:kmLlt #=^) k|ltzt /x]sf]
@)@@ df #=& k|ltztdf ;Lldt x'g] sf]ifsf] k|If]k0f lyof] .
/x]sf] 5 .
ljQLo ahf/sf] l:ylt
;g\ @)@! df !)=! k|ltztn] lj:tf/ ePsf] ljZj ;dLIff jif{df a}+s tyf ljQLo ;+:yfx?af6 lghL If]qdf
Jofkf/ cfotgsf] j[l4b/ klg ;g\ @)@@ df $=# k|jflxt shf{ !#=! k|ltztn] a9]sf] 5 . cl3Nnf] jif{
k|ltzt tyf ;g\ @)@# Dff @=% k|ltztdf ;Lldt x'g] o:tf] shf{ @&=# k|ltztn] a9]sf] lyof] . ;dLIff jif{df
cGt/f{li6«o d'bf| sf]ifsf] k|If]k0f 5 . ?;–o'qm]g o'4sf lghL If]qtk{m k|jflxt shf{dWo] jfl0fHo a}+sx?sf] shf{
sf/0f ljZj cfk"lt{ tyf pTkfbg k|0ffnL cj?4 eO{ k|jfx !@=& k|ltztn], ljsf; a}+sx?sf] shf{ k|jfx !#=(
vfB tyf u}/vfB j:t' / k]6f« l] nod kbfy{sf] d"Nodf k|ltztn] / ljQ sDkgLx?sf] @(=* k|ltztn] a9]sf]
ePsf] j[l4 / cd]l/sL 8n/sf] clwd"Nogsf sf/0f 5 . @)&* c;f/df (!–lbg] 6«]h/L lansf] efl/t cf};t
ljZjJofkL ?kdf d'bf| :kmLlt a9]sf] 5 . ;g\ @)@! df Aofhb/ $=%% k|ltzt /x]sf]df @)&( c;f/df !)=^^
ljsl;t / ljsf;f]Gd'v d'ns ' x?sf] d'bf| :kmLlt qmdzM k|ltzt /x]sf] 5 . jfl0fHo a}+sx?aLrsf] cGt/–a}+s
#=! k|ltzt / %=( k|ltzt /x]sf]df ;g\ @)@@ df sf/f]af/sf] efl/t cf};t Aofhb/ @)&* c;f/df $=!$
qmdzM &=@ k|ltzt / (=( k|ltzt tyf ;g\ @)@# df k|ltzt /x]sf]df @)&( c;f/df ^=(( k|ltzt /x]sf]
qmdzM $=$ k|ltzt / *=! k|ltzt /xg] k|If]k0f /x]sf] 5 . df}lb|s gLltsf] ;~rfng nIosf] ?kdf lnOg] cf};t
5. cGt/–a}+s Aofhb/ @)&( c;f/df &=)! k|ltzt /x]sf]
->f]tM g]kfn /fi6« a}+s_ 5 . jfl0fHo a}+sx?sf] cf};t cfwf/ b/ @)&* c;f/df
^=*^ k|ltzt /x]sf]df @)&( c;f/df (=%$ k|ltzt
@= b]zsf] cfly{s cj:yf sfod ePsf] 5 . @)&( c;f/df jfl0fHo a}+sx?sf]
lgIf]ksf] efl/t cf};t Aofhb/ &=$! k|ltzt / shf{sf]
s'n u|fx:y pTkfbg / d'b|f:kmLlt efl/t cf};t Aofhb/ !!=^@ k|ltzt /x]sf] 5 . cl3Nnf]
s]Gb|Lo tYofÍ ljefusf cg';f/ cfly{s jif{ @)&*÷&( jif{ o:tf b/x? qmdzM $=^% k|ltzt / *=$# k|ltzt
df %=*$ k|ltzt cfly{s j[l4 x'g] cg'dfg 5 . s[lif /x]sf lyP .
If]qsf] @=#) k|ltzt, pBf]u If]qsf] !)=!( k|ltzt
/ ;]jf If]qsf] %=(# k|ltzt j[l4 x'g] cg'dfg /x]sf] k"FhL ahf/sf] l:ylt
5 . cfly{s jif{ @)&*÷&( df s'n u|fx:y pTkfbgdf @)&* c;f/ d;fGtdf @,**#=$ /x]sf] g]K;]
s[lif, pBf]u / ;]jf If]qsf] c+z qmdzM @#=(% k|ltzt, ;"rsfÍ @)&( c;f/ d;fGtdf @,))(=% sfod
!$=@( k|ltzt / ^!=&^ k|ltzt /x]sf] 5 . cfly{s ePsf] 5 . @)&( c;f/ d;fGtdf lwtf]kq ahf/
jif{ @)&*÷&( df s'n u|fx:y art s'n u|fx:y kF'hLs/0f ?= @,*^( ca{ #$ s/f]8 sfod ePsf] 5 .
pTkfbgsf] (=@& k|ltzt k'u]sf] 5 . s'n l:y/ k"FhL @)&* c;f/ d;fGtdf ahf/ k"FhLs/0f ?= $,)!) ca{
lgdf{0f / s'n /fli6«o artsf] s'n u|fx:y pTkfbg;Fusf] (^ s/f]8 /x]sf] lyof] . @)&( c;f/df g]kfn :6s
cg'kft qmdzM @(=#& k|ltzt / #!=(% k|ltzt /x]sf] PS;r]Gh lnld6]8df ;"rLs[t sDkgLx¿sf] ;+Vof @#$
5. k'u]sf] 5 . ;"rLs[t sDkgLx?dWo] !$^ a}+s tyf ljQLo
;+:yf / aLdf sDkgL /x]sf 5g\ eg] %! hnljB't
sDkgL, !( pTkfbg tyf k|zf]wg pBf]u, ^ nufgL

sDkgL, % xf]6n, $ Jofkfl/s ;+:yf / # cGo ;d"xsf Universal Banking sf] cjwf/0ff cg'?k a}+sn] k"FhL
/x]sf 5g\ . @)&* c;f/df ;"rLs[t sDkgLx¿sf] ahf/, Investment Banking h:tf sfo{df nufgL ug{
;+Vof @!( /x]sf] lyof] . k"0f{ :jfldTjdf Pg cfO{ ;L Plzof Soflk6n lnld6]8
->f]tM g]kfn /fi6« a}+s_ :yfkgf u/]sf] 5, pQm sDkgLn] cfgf] sfo{If]qdf
pNn]vgLo pknlAw xfl;n ub}{ cfPsf] 5 . ;fy}, a}+ssf]
u= k|ltj]bg tof/ ePsf] ldlt;Dd rfn' jif{sf] pknlJw / ;xfos sDkgL Pg cfO{ ;L PzLof n3'ljQ ljQLo
eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] ;+:yf lnld6]8n] b]zsf sd cfo ePsf tyf b'/b/fhsf
wf/0ff, hgtfx?nfO{ ljQLo ;]jf k|bfg ub}{ cfPsf] 5 .
ldlt @)&( cfiff9 d;fGtkl5 a}+ssf] lxtnfO{ tflTjs
c;/ kg]{ s'g} klg 36gf 36]sf] 5}g . rfn' cfly{s b]zs} Digital First Bank x'g] nIosf ;fy a}+sn] kl5Nnf]
jif{sf] kfFr dlxgfsf] cj:yf cl3Nnf] jif{sf] ;f]xL k|ljlwdf cfwfl/t gofF gofF Digital Product x? ljsf;
cjlw;Fu t'ngf ubf{ lgDg cg'?k /x]sf] 5 M u/L l56f], 5l/tf] / e/kbf]{ ;]jf k|bfg ub}{ cfPsf] 5 .
-/sd ? bz nfvdf_ #= gofF of]hgf

ljj/0f d+l;/ d;fGt d+l;/ d;fGt j[l4b/ cfd g]kfnL hg;d'bfo dfem yk ;xh a}+lsË kxF'r
@)&( @)&* -k|ltzt_ k'¥ofpg] p4]Zosf ;fy b]zsf ljleGg If]qx?df
lgIf]k #,)#,(^@ @,(@,$)$ $ a}+ssf] zfvf, P6LPd, PS;6]G;g sfp06/ nufotaf6
s'n shf{ @,^&,(#( @,&%,!($ # u|fxsnfO{ ljZj;gLo ;]jf k|bfg ug{] a}+ssf] nIo /x]sf]
5 . ;fy}, zfvf la:tf/ tyf PS;6]G;g sfp06/ vf]Ng
;Dej gePsf b'u{d If]qx?df a}+lsË kxF'r a9fpgsf
!= zfvf lj:tf/ nflu a}+sn] zfvf /lxt a}+lsË ;]jf pknAw u/fpg]
a+}sn] cfgf] bL3{sfnLg /0fgLlt cg'?k, zfvf ;~hfndf ;f]r /fv]sf] 5 .
j[l4 ub}{ ;dLIff cjlwdf a+}sn] # gofF zfvfx? lj:tf/
u/L s'n zfvf ;+Vof #%( k'¥ofPsf] 5 . a+}sn] k|efjsf/L a}+sn] ;j{>]i7 lgIf]k of]hgf cGtu{t u|fxssf rfxgf
?kdf sfo{ If]q, ;~hfn la:tf/ tyf Joj:yfkgsf cg'?k gofF ;+:s/0f k|:t't ub}{ cfPsf] 5 . lgMz'Ns
ug{sf] nflu j}1flgs k|0ffnL cjnDag ub}{ Footprint 8]la6 sf8{, qm]l86 sf8{, df]afOn a+}lsË, ? *$ nfv
Expansion and Management Policy nfu' u/L ;f]xL ;Ddsf] ladf ;'ljwf, ;fy} c? pTs[i6 ;'ljwf ;lxt
cg'?k sfo{x? ul//x]sf] 5 . ;j{>]i7 lgIf]k of]hgfsf gofF ;+:s/0f u|fxs ;dIf
k|:t't u/]sf] 5 / cfufdL lbgx?df cem} pTs[i6 of]hgf
;dLIff cjlwdf a}+ssf] s'n lj:tfl/t sfp06/sf] ;+Vof Nofpg] a}+ssf] of]hgf /x]sf] 5 .
!)#, s'n ATM sf] ;+Vof $&#, tyf s'n zfvf /lxt
a}+lsËsf] ;+Vof *! k'u]sf] 5 . a}+sn] o; cf= j= df ;fy}, cfpFbf lbgdf ;d]t ;do ;fk]If tyf cfw'lgs
lj:tf/ u/]sf # gofF zfvfx? uf]bfj/L lsl6gL, af]8] / k|ljlw pGd'v ;]jfx? dfkm{t u|fxsju{x?nfO{ yk
k~rsGof g'jfsf]6 /x]sf 5g\ . cfsif{s a+}lsË ;]jf tyf ;'ljwfx? k|bfg ug]{ k|of;
ug]{5f+} .
@= ;]jf lj:tf/
a}+sn] u|fxsju{sf] rfxgf tyf dfu adf]lhd u|fxsju{ $= k|ljlw ljsf; tyf ;"rgf Joj:yfkg k|ljlw
;dIf gjLgtd, kl/dflh{t, e/kbf]{ tyf u'0f:t/Lo l8lh6n a+}lsË ;]jfsf] ljsf; u/L a}+lsË ;]jf
;]jf k|bfg ub}{ cfO/x]sf] 5 . o;sf] lglDt k|ljlwdf k|jfxnfO{ cem cfsif{s / k|ltikwL{ agfpg tyf a}+snfO{
eO/x]sf] ljsf;, u|fxsju{sf] cfjZostf, Jofkf/ ;]jfu|fxLd'vL agfpg æ;f]r abnf+}Æ sf] gf/f ;lxt a}+sn]
Joj;fodf kl/jt{g cg'?k l;h{gf ePsf cfjZostf cfÇgf] Digital Channel nfO{ ;'b[9 u/fpg] of]hgf a}+sn]
cflb kIfx?sf] d"NofÍg u/L cfÇgf] hgzlQmnfO{ ;Ifd cufl8 ;f/]sf] 5 .
agfpFb} u|fxsju{nfO{ ;do ;fk]If ;]jf k|bfg ug{sf]
lglDt a}+sn] cg';Gwfg tyf ljsf;nfO{ ;+:yfsf] Ps l8lh6n k|ljlwnfO{ cfÇgf] ;]jf k|jfxdf PsLs[t u/]/
ljlzi6 kIfsf] ?kdf u|x0f u/]sf] 5 . a+}lsË ;'ljwf k|bfg ug]{ tyf dfgj hLjgdf cfjZos
kg]{ a}+lsË ;DaGwL ;Dk"0f{ ;]jf ;'ljwf a}+sn] g} k|bfg
32
ug]{ sfo{nfO{ Lifestyle Banking sf] cjwf/0ffsf] ?kdf 3= sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGw
a}+sn] cfTd;ft ub}{ cfÇgf] ;]jfx? lj:tf/ ul//x]sf] 5 . a}sn] cfgf] Joj;flos bfo/fnfO{ km/flsnf] kfb}{ hfgsf]
nflu a}+ssf] k|ult;Fu ;/f]sf/ /fVg] ;+3 ;+:yf tyf
a+}sn] cfgf ;Dk"0f{ a+}lsË sfo{x?nfO{ Automation cf}Bf]lus Jofj;flos k|lti7fgx?;Fu ;'dw'/ ;DjGw
ug]{ / sfuh /lxt sfof{no jftfj/0f agfpg] tkm{ :yflkt u/L ;f] ;DjGwnfO{ cem dha'b ub}{ nu]sf] 5
k|of;/t /x]sf] 5 . a}+s cfgf] ;"rgf, >f]t / tYof+s / ;f] k|lqmofnfO{ eljiodf klg lg/Gt/tf lbg] of]hgf
k|0ffnLsf] ;'/Iff k|lt ;b}j ;+j]bgzLn 5 . a}+sn] /fv]sf] 5 . o;} qmddf a}+sn] Nepal India Chamber
of Commerce, Forum of Nepalese Bankers,
;"rgf k|ljlw gLlt (IT Policy) nfu" u/]sf] 5 tyf Foreign Exchange and Money Dealers Association,
a}+ssf] Data Centre Operation, Hardware, Network Nepal Bankers' Association, Banking Promotion
Security tyf Computer System ;DaGwL ljifox?nfO{ Committee, Nepal Foreign Trade Association,
Nepal Institute of Company Secretaries,
a}+ssf] Internal Audit Department n] cfjlws ?kdf International Chamber of Commerce Nepal,
n]vfk/LIf0f ub{5 . ;fy}, a+}sn] cfgf] Information World Bank, International Finance Corporation,
Asian Development Bank, Federation of Nepalese
System Audit lgoldt ?kdf u/fO{ cfgf] ;"rgf Chambers of Commerce and Industry, Confederation
Joj:yfkg tyf ;'/IffnfO{ yk dha't agfPsf] 5 . of Nepalese Industries, Confederation of Banks
and Financial Institutions Nepal, Management
%= dfgj ;+zfwg Association of Nepalh:tf ;+:yfx?;Fu /x]sf] ;'dw'/

a}+sn] cfÇgf] sd{rf/Lx?nfO{ ;b}j cfÇgf] dxTjk"0f{ ;DaGwnfO{ ;dLIff cjlwdf ;d]t lg/Gt/tf lbPsf] 5 .
;DklQsf] ?kdf lnPsf] 5 . a}+ssf] bL3{sfnLg /0fgLlt
cg'?k a9\bf] Jofkf/ tyf Jojl:yt zfvf lj:tf/ ª= ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f
gLltsf sf/0fx?n] ubf{ of] jif{ klg a}+sdf sd{rf/Lx?sf] ldlt @)&*÷!@÷@) df ;DkGg a}+ssf] @$cf}+
;+Vofdf j[l¢ ePsf] 5 . abln+bf] kl/j]z, ultlzn cfly{s jflif{s ;fwf/0f ;efsf] lg0f{ofg';f/ ;j{;fwf/0f
jftfj/0fdf cfÇgf] sd{rf/Lx?nfO{ ;do ;fk]If, bIf / z]o/wgL ;d'xaf6 $ jif{sf] nflu lgjf{lrt ;~rfns
l;ko'Qm agfpg tyf sd{rf/Lx?sf] Ifdtf clej[l4sf >L lgs'~h cu|jfnHo'n] ldlt @)&( sflQ{s ! ut]
;fy;fy} k|f]T;fxg ug{sf nflu a}+sn] ;do ;dodf cfgf] JolQmut sf/0f bzf{pg' eO{ ;~rfns kbaf6
ljleGg cfGtl/s tyf jfx\o tflndx? pknAw u/fpF+b} /flhgfdf lbg'ePsf]df lghsf]] /flhgfdf ldlt @)&(
cfPsf] 5 . sflQ{s @ df ;DkGg ;~rfns ;ldltsf] %&! cf}+
a}7sn] :jLs[t u/L ;~rfns ;ldltsf] ;f]xL a}7sn]
;dLIff cjlwdf !,#&& cfGtl/s tyf afXo tflndx?df ;~rfns >L lgs'~h cu|jfnsf] kbfjlwsf] afFls
a+}ssf sd{rf/Lx? ;xefuL eO{ lghx?sf] Ifdtf clej[l4 cjlwsf] nflu lghsf] :yfgdf ;j{;fwf/0f z]o/wgL
tyf l;k ljsf;df d2t k'u]sf] 5 . a+}sn] sd{rf/Lsf] ;d'xjf6 >L s]zjk|;fb nD;fnHo"nfO{ a}ssf] ;~rfns
l;k tyf Ifdtfsf] clej[l4 ug{sf nflu a+}snfO{ 1fg kbdf lgo'Qm u/]sf]] 5 .
xfl;n ug]{ ynf]sf ?kdf ljsl;t ug{ / sd{rf/Ldf 1fg
xfl;n ug]{ ;+:sf/ a;fNg ljleGg sfo{x? u/]sf] 5 . ;~rfns ;ldltsf] ;+/rgf b]xfo adf]lhd /x]sf] 5 M
dfgj ;+zfwgsf] ljsf;n] b}lgs sfo{df ;xof]u cWoIf >L t'n;L/fd cu|jfn
ug]{ dfq geO{ a}+sdf gofF ;f]r, gofF k|ljlwx? leq\ofpg ;~rfns >L lqnf]s rGb cu|jfn
d2t k'Ug] s'/fdf ;~rfns ;ldlt ljZj:t 5 . cfufdL ;~rfns >L /fdrGb| ;+3O{
jif{x?df ;d]t sd{rf/Lx?sf] 1fg tyf Ifdtf j[l4sf :jtGq÷dlxnf ;~rfns >LdtL ljhof :jf/
nflu cfGtl/s tyf afXo tflndx? lg/Gt/ ?kdf ;~rfns >L u0f]z dfg >]i7
;~rfng ul/g]5 . s'n sd{rf/Lx?sf] ;+Vof cfly{s jif{ ;~rfns >L cflbTo s'df/ cu|jfn
@)&( cfiff9 d;fGt ;Dddf $,#*% k'u]sf] 5 . a+}sdf ;~rfns >L s]zjk|;fb nD;fn
sfo{/t sd{rf/Lx?df %$=@ k|ltzt k'?if / $%=*
k|ltzt dlxnf /x]sf 5g\ .

• ;~rfns ;ldltsf] a}7s 5= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP
ljBdfg P]g tyf a+}ssf] lgodfjnLsf] k|fjwfg cg'?k ;f] pk/ ;~rfns ;ldltsf] k|ltlqmof
;~rfns ;ldltsf] a}7s lgoldt ?kdf a:g] u/]sf] 5 . o:tf] s'g} s}lkmot n]vfk/LIfssf] k|ltj]bgdf pNn]v
;~rfns ;ldltsf a}7sx?df a}+ssf k|d'v sfo{sf/L ePsf] 5}g .
clws[t :yfoL cfdlGqt ;b:o /xg' ePsf] 5 .
h= nfef+z afF8kmfF8 ug{ l;kmfl/z ul/Psf] /sd
;dLIff cjlwdf ;~rfns ;ldltsf] s'n ^) j6f a}+sn] o; cfly{s jif{df s'g} nfef+z 3f]if0ff u/]sf] 5}g .
a}7s a;]sf] 5 . a}7sdf ;~rfnsHo"x?sf] pkl:ylt
/ jxFfx?n] k|fKt u/]sf] eQfsf] ljj/0f lgDg cg';f/ em= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf]
/x]sf] 5 M z]o/sf] cl°t d"No, To:tf] z]o/ hkmt x'g'eGbf cufj}
;f] afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf]
;b:ox? pkl:yt a}7s z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L sDkgLn] k|fKt
ePsf] eQf ?= u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{
a}7s ;+Vof u/]sf] eP ;f]sf] ljj/0f
cWoIf, >L t'n;L/fd cu|jfn 60/60 12,00,000
a}+sn] xfn;Dd s'g} z]o/ hkmt u/]sf] 5}g .
;~rfns, >L lqnf]s rGb cu|jfn 54/60 8,64,000
;~rfns, >L /fdrGb| ;+3O{, ;~rfns 44/60 7,04,000

`= ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf]
;~rfns, >L /fh]Gb| k|;fb cof{n, ;~rfns 37/41 5,92,000
sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf]
;~rfns, >L lagf]b s'df/ Kofs'/n] , ;~rfns 39/41 6,24,000
l:yltsf] k'g/fjnf]sg
;~rfns, >L u0f]z dfg >]i7, ;~rfns 26/26 4,16,000
a+}s tyf o;sf] ;xfos sDkgLsf] k|ult ljj/0f jflif{s
;~rfns, >L lgs'~h cu|jfn, ;~rfns 52/60 8,32,000
k|ltj]bgdf 5'§} pNn]v ul/Psf] 5 .
:jtGq÷dlxnf ;~rfns, >LdtL ljhof :jf/ 44/60 7,04,000
;~rfns, >L cflbTo s'df/ cu|jfn 19/19 3,04,000

6= sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df
hDdf 62,40,000
;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf
sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g
Joj:yfkg txsf] sd{rf/LnfO{ ;~rfns ;ldlt jf cfly{s jif{df a}+sn] ;fdfGo a}+lsË sf/f]jf/x? /
;~rfns :t/sf] ;ldltsf] a}7sdf pkl:ylt eP jfkt ;xfos sDkgLn] klg cfgf] Joj;fo cg'?k g} ;fdfGo
s'g} lsl;dsf] eQf lbg] lgod /x]sf] 5}g / lbOPsf] sf/f]jf/x? ub}{ cfPsf] . o; cjlwdf s'g} dxTjk"0f{
5}g . kl/jt{g gePsf] .
r= sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿ 7= ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n]
k|lts'n cfly{s cj:yf, b]zsf] ;du| cfly{s l:ylt, sDkgLnfO{ pknAw u/fPsf] hfgsf/L
t/ntf Pj+ ;Lldt nufgLsf cj;/x?, Jofhb/ cGt/sf] ljut cfly{s jif{df s'g} o:tf] hfgsf/L a}+snfO{ k|fKt
Joj:yfkg, k|ljlw ;'/Iff rfn' jif{df klg r'gf}tLsf ?kdf ePsf] 5}g .
/xg] 5g\ . ;fy}, a9\bf] k|lt:kwf{ Pj+ bIf hgzlQmsf]
cefjn] yk r'gf}tLx? ylkPsf 5g\ . 8= ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n]
lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/
oL r'gf}tL / cj;/x?nfO{ Wofgdf /fVb} a}+sn] cfgf] sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6
;]jfsf] bfo/f tyf u'0f:t/ j[l¢ ub}{ n}hfg], yk gjLgtd sDkgLn] k|fKt u/]sf] hfgsf/L
;]jfx? k|bfg ug]{ tyf gofF ahf/x? / gofF If]qx?df ;dLIff cjlwdf a}+ssf ;~rfns tyf kbflwsf/Lx?n]
cfgf] ;]jfx? lj:tf/ ub}{ n}hfg] /0fgLlt th{'df u/]sf] s'g} z]o/ vl/b ljqmL ug{'ePsf] 5}g . cf=j= @)&*÷&(
5. sf] c;f/ d;fGtdf a}+ssf ;~rfns tyf kbflwsf/Lx?sf]
z]o/ :jfldTjsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .
34
kb÷tx ;~rfns tyf z]o/ :jfldTj z]o/wgL g+=÷ hDdf z]o/ s}lkmot
kbflwsf/Lsf] gfd -lsQf_ lxtu|fxL vftf g+= :jfldTj -lsQf_
cWoIf >L t'n;L/fd cu|jfn 1,574,585 1301370000693141 20,62,811 ;+:yfks z]o/
488,226
;j{;fwf/0f z]o/
;~rfns >L lqnf]s rGb cu|jfn 5,523,009 1301370000102204 61,70,376 ;+:yfks z]o/
647,367
;j{;fwf/0f z]o/
;~rfns >L /fdrGb| ;+3O{ 3,717,721 1301060000076172 51,02,751 ;+:yfks z]o/
1,385,030 1301320000002377
;j{;fwf/0f z]o/
;~rfns >L /fh]Gb| k|;fb cof{n 72,896 1301290000014282 1,13,403 ;+:yfks z]o/
40,507
-lgjt{dfg ;~rfns_ ;j{;fwf/0f z]o/
;~rfns >L lagf]b s'df/ Kofs'/]n 584 1301290000000949 615 ;j{;fwf/0f z]o/
6 43517
-lgjt{dfg ;~rfns_ 25 104993
;~rfns >L lgs'~h cu|jfn 1,603,749 1301370000102126 20,57,395 ;+:yfks z]o/

450,257
3,389 1301090000036888 ;j{;fwf/0f z]o/
;~rfns >L u0f]z dfg >]i7 342 1301290000023597 371 ;j{;fwf/0f z]o/
29 42983
;~rfns >L cflbTo s'df/ cu|jfn 143 1301200000000928 143 ;j{;fwf/0f z]o/
k|d'v sfo{sf/L clws[t >L /f]zg s'df/ Gof}kfg] 3,006 1301370000136151 5,752 ;j{;fwf/0f z]o/
2,746 1301420000034146
gfoa k|d'v sfo{sf/L clws[t >L ;'lw/ gfy kf08] 10,755 1301370000136301 10,755 ;j{;fwf/0f z]o/
gfoa k|d'v sfo{sf/L clws[t >L ;Gtf]if s'df/ /f7L 6,213 1301370000103630 6,404 ;j{;fwf/0f z]o/
191 52131
;xfos k|d'v sfo{sf/L clws[t >L /fh]z /fjn 4,824 1301330000002129 4,824 ;j{;fwf/0f z]o/
;xfos k|d'v sfo{sf/L clws[t >L hoGb| /fjn 60 48301 6,355 ;j{;fwf/0f z]o/
6,295 1301370000020174
k|d'v k|ljlw clws[t >L alkg /fhe08f/L 23 1301390000002138 23 ;j{;fwf/0f z]o/

k|d'v sfg'g clws[t >L lbg]z ef/L 7,115 1301370000265853 7,307 ;j{;fwf/0f z]o/
192 52021
sDkgL ;lrj >L lbk]g sfsL{ 2,648 1301370000175421 2,648 ;j{;fwf/0f z]o/
t= cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] a+s

} n] cfgf] cfGtl/s lgoGq0f k|0ffnLnfO{ yk k|efjsf/L
eP ;f]sf] lj:t[t ljj/0f agfpg cfjZos PsLs[t hf]lvd Joj:yfkg ljefunfO{
a}s
+ sf] cfGtl/s lgoGq0f k|0ffnL / o;sf] k|efjsfl/tfsf] yk dha't agfpFb} nu]sf] 5 . o; ljefu a+s } sf]
;dLIff ug]{ lhDd]jf/L ;~rfns ;ldltdf /xG5 . o;sf Joj:yfkgsf] clwgdf geO{ :jtGq OsfO{sf] ?kdf
nflu ;~rfns ;ldlt cGtu{t g} ljleGg ;ldltx?sf] cfgf] sfo{ ub{5 / a+s
} sf] hf]lvd Joj:yfkg ;ldlt k|lt
u7g ul/Psf] 5, ;fy} ljz]if If]qx?sf] sfo{ ;Dkfbg hjfkmb]xL /x]sf] 5 .
/ r':t tyf k|efjsf/L gLlt lgdf{0f tyf kl/kfngsf]
lglDt cfjZos ;ldltx? u7g u/L cfgf] clwsf/x? To;}u/L a+s } sf] cfGtl/s n]vfk/LIf0f ljefun] a+s } n]
;d]t k|Tofof]hg u/]sf] 5 . n]vfk/LIf0f ;ldltn] lgoldt c+uLsf/ u/]sf] gLlt lgdf{0fsf] kl/kfngf eP gePsf]
?kdf cfGtl/s n]vfk/LIfs, afx\o n]vfk/LIfs / ;DaGwdf n]vfk/LIf0f ub}{ a}s
+ sf] x/]s ljefu, zfvf tyf
g]kfn /fi6« a}s
+ sf] ;'k/Lj]If0f k|ltj]bgx?sf] ;dLIff u/L k|fb]lzs sfof{nox?sf] q}dfl;s ?kdf n]vfk/LIf0f ;d]t
;~rfns ;ldltnfO{ a}s + sf] cfGtl/s lgoGq0f k|0ffnLsf] ug]{ ub{5 . o; ljefun] :jtGq OsfO{sf] ?kdf cfjZos
k|efjsfl/tfsf ljifodf :jtGq Assurance k|bfg ub{5 . sfdsf/jfxL u/L cfgf] k|ltj]bg a+s } sf] n]vfk/LIf0f
;ldltnfO{ k]z ug]{ ub{5 .
a}s
+ sf] sfo{ ;DkfbgnfO{ r':t agfpg / plrt hf]lvd
Joj:yfkg ug{ a+s } sf] ;du| sfo{ If]qnfO{ Joj;fo, ;dLIff cjlwdf lgDg cg';f/sf ;ldltx? a}s
+ df
;~rfng ;xof]u / lgoGq0f u/L tLg efudf juL{s/0f lqmofzLn /x]sf 5g\ M
ul/Psf] 5 .

!= hf]lvd Joj:yfkg ;ldlt -ldlt @)&*÷)$÷@* b]lv ldlt @)&*÷)%÷!) ;Dd_
o; ;ldltsf] d'Vo p2]Zo g]kfn /fi6« a}+ssf] PsLs[t ;~rfns, >L ljgf]b s'df/ Kofs'/]n ;+of]hs
lgb]{zgn] o; ;ldltnfO{ tf]s]sf] sfd, st{Jo /
;+rfns, >L /fh]Gb| k|;fb cof{n ;b:o
pQ/bfloTj jxg ub}{ a}+sdf cGtlg{lxt tyf eljiodf
;+rfns, >L u0f]z dfg >]i7 ;b:o
cfpg ;Sg] ljleGg hf]lvdx? -shf{ hf]lvd, ahf/
hf]lvd, ;~rfng hf]lvd cflb_ sf] klxrfg, cg'udg k|d'v PS:flkl/oG;\ Pz'/]G;\ O{sf] l;:6d, ;b:o
tyf Joj:yfkg u/L ;~rfns ;ldlt ;dIf k|ltj]bg >L lbk]Gb| axfb'/ /fhe08f/L
k]z ug]{ tyf ;f] ;DaGwdf a}+s Joj:yfkgnfO{ cfjZos k|d'v hf]lvd clws[t, >L slkn 9sfn ;b:o ;lrj
;'emfj lbg] xf] .
-ldlt @)&*÷)%÷!! b]lv ldlt @)&*÷)%÷@& ;Dd_
hf]lvd Joj:yfkg ;ldlt ;~rfns ;ldlt :t/sf]
;ldlt xf] / hf]lvd Joj:yfkg ;DaGwL a}+ssf] gLlt ;~rfns, >L ljgf]b s'df/ Kofs'/]n ;+of]hs
/ sfo{of]hgf lgdf{0f u/L ;f] sfof{Gjog eP gePsf] ;+rfns, >L /fh]Gb| k|;fb cof{n ;b:o
k'g/fjnf]sg ug]{ lhDd]jf/L pQm ;ldltn] /fVg] ub{5 . ;+rfns, >L u0f]z dfg >]i7 ;b:o
;~rfns ;ldltsf] hf]lvd ;DaGwL lhDd]jf/L k'/f ug{ ;xfos k|=sf=c – PS:flkl/oG;\ Pz'/]G;\ ;b:o
hf]lvd Joj:yfkg ;ldltn] ;xof]u ub{5 . o; ;ldltn] O{sf] l;:6d, >L hoGb| /fjn
hf]lvdsf] k|s[lt / :t/ lg/Gt/ d"Nof+Íg u/L pQm k|d'v hf]lvd clws[t, >L slkn 9sfn ;b:o ;lrj
hf]lvdn] ;+:yfdf kfg]{ c;/sf] cWoog ub{5 . a}+ssf]
Joj;fo ;xh tl/sfn] ;+rfng x'gsf] nflu kof{Kt
cfGtl/s lgoGq0f k|0ffnL / hf]lvd Joj:yfkg k|0ffnLsf] -ldlt @)&*÷)%÷@* b]lv ldlt @)&*÷)&÷!! ;Dd_
lhDd]jf/L o; ;ldlt ;dIf /xG5 . ;+:yfut ;'zf;g
;DaGwL hf]lvd Joj:yfkg klg o; ;ldltsf] k|d'v ;~rfns, >L ljgf]b s'df/ Kofs'/]n ;+of]hs
sfo{ xf] . ;~rfns, >L /fh]Gb| k|;fb cof{n ;b:o
;xfos k|=sf=c – PS:flkl/oG;\ Pz'/]G;\ ;b:o
o; ;ldltsf] d'Vo p2]Zo g]kfn /fi6« a}+ssf] PsLs[t
O{sf] l;:6d, >L hoGb| /fjn
lgb]{zgn] o; ;ldltnfO{ tf]s]sf] sfd, st{Jo /
k|d'v hf]lvd clws[t, >L slkn 9sfn ;b:o ;lrj
pQ/bfloTj jxg ub}{ a}+sdf cGtlg{lxt tyf eljiodf
cfpg ;Sg] ljleGg hf]lvdx? -shf{, ahf/, ;~rfng
cflb_ sf] klxrfg, cg'udg tyf Joj:yfkg u/L -ldlt @)&*÷)&÷!@ b]lv ldlt @)&*÷!@÷@) ;Dd_
;~rfns ;ldlt ;dIf k|ltj]bg k]z ug]{ tyf ;f]
;DaGwdf a}+s Joj:yfkgnfO{ cfjZos ;'emfj lbg] ;~rfns, >LdtL ljhof :jf/ ;+of]hs
ub{5 . ;~rfns, >L /fh]Gb| k|;fb cof{n ;b:o
;~rfns, >L ljgf]b s'df/ Kofs'/]n ;b:o
a}ssf] hf]lvd Joj:yfkg ;ldltdf lgDg ;b:ox? /x]sf ;xfos k|=sf=c – PS:flkl/oG;\ Pz'/]G;\ ;b:o
5g\ M O{sf] l;:6d, >L hoGb| /fjn
-;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ldlt
@)&*÷)$÷@& ;Dd_
;~rfns, >L ljgf]b s'df/ Kofs'/]n ;+of]hs -ldlt @)&*÷!@÷@@ b]lv ldlt @)&(÷)#÷#@ ;Dd_
;+rfns, >L /fh]Gb| k|;fb cof{n ;b:o ;~rfns, >LdtL ljhof :jf/ ;+of]hs
;+rfns, >L u0f]z dfg >]i7 ;b:o ;~rfns, >L u0f]z dfg >]i7 ;b:o
;xfos k|=sf=c – Experience Assurance ;b:o ;xfos k|=sf=c – PS:flkl/oG;\ Pz'/]G;\ ;b:o
Ecosystem, >L e]if /fh vltj8f O{sf] l;:6d, >L hoGb| /fjn
k|d'v hf]lvd clws[t, >L slkn 9sfn ;b:o ;lrj k|d'v hf]lvd clws[t, >L slkn 9sfn ;b:o ;lrj
36
o; ;ldltsf] lgDg adf]lhdsf lhDd]jf/Lx? (Terms of u'0f:t/df x'g] j[l4÷¥xf; / ;DklQ bfloTj ;ldlt
Reference) /x]sf 5g\ M (ALCO) af6 ePsf sfo{x?sf] ;DaGwdf q}dfl;s
?kdf ljZn]if0f÷;dLIff u/L ;+rfns ;ldltdf
• ljBdfg hf]lvd klxrfg tyf Joj:yfkg k|0ffnLsf] k|ltj]bg k]z ug]{ .
kof{Kttf / pko'Qmtf ;DaGwdf ;+rfns ;ldltnfO{
hfgsf/L u/fpg] / pko'Qm k|0ffnLsf] ljsf;sf • cy{tGqsf] s'g} If]qdf pTkGg x'g] ;d:of jf
nflu ;'emfj lbg] . kl/jt{gn] ;+:yfsf] ljQLo cj:yfdf kfg{ ;Sg]
c;/sf] ;DaGwdf cWoog u/L ;f] sf] lg/fs/0fsf]
• Joj;flos ultljlwdf lglxt hf]lvdsf] :t/, hf]lvd nflu s] s:tf] gLlt cjnDag ug'{ kg]{ xf] cfjZos
axg Ifdtf, hf]lvd Joj:yfkgsf] nflu ljsf; ;'emfj ;lxt ;+rfns ;ldltdf k|ltj]bg k]z ug]{ .
u/]sf] /0fgLlt, gLltut Joj:yf / dfu{bz{gsf] ;dLIff cjlwdf o; ;ldltn] hf]lvd Joj:yfkgsf
lgoldt k'g/fjnf]sg u/L ;f]sf] kof{Kttfsf nflu u/]sf k|d'v sfo{x?sf] ;+lIfKt ;f/ lgDgfg';f/
;DaGwdf ;+rfns ;ldltdf ;'emfj k]z ug]{ . /x]sf] 5 M
• Joj:yfkgaf6 lgoldt ?kdf hf]lvd Joj:yfkg • ljleGg k|ltj]bgx?sf] dfWodaf6 hf]lvd

k|ltj]bg lnO{ hf]lvdsf] cf+sng, d"Nof+sg, lgoGq0f Joj:yfkgsf] kof{Kttf / pko'Qmtfsf] d'Nof+sg
tyf cg'udg s] s;/L eO/x]sf] 5 ;f] ;DaGwdf ul/Psf] tyf k|efjsf/L hf]lvd Joj:yfkgsf nfuL
5nkmn ug]{ / ;+rfns ;ldltdf cfjZos ;'emfj cfjZos pko'Qm k|0ffnLsf] ljsf; ug{ ;+rfns
k]z ug]{ . ;ldlt ;dIf ;'emfj k|:t't ul/Psf] .
• hf]lvd ;dfof]lht ;DklQ cg';f/ k'FhLsf] kof{Kttf, • o; jif{ ;ldltn] #* j6f gLltx?, !! j6f k|f]8S6
cfGtl/s k'FhL ljZn]if0f k4lt (ICAAP), Joj;flos k]k/ dfu{bz{gx? (Product Paper Guidelines)
/0fgLlt cg'?k gLltut Joj:Yffsf] kof{Kttf, ;+:yfn] tyf # j6f sfo{ljlwx? (Procedural Guidelines)
lng ;Sg] clwstd hf]lvd ;DaGwdf lgoldt u/L hDdf %@ j6f gLlt÷dfu{bz{g÷sfo{ljlwx?sf]
?kdf 5nkmn tyf ljZn]if0f u/L ;+rfns ;ldltnfO{ th'{df÷kl/dfh{g u/L a}+sdf k|efjsf/L lx;fjn]
cfjZos /fo, ;'emfj lbg] . nfu" ul/Psf] .
• hf]lvd Joj:yfkgsf nflu g]kfn /fi6« a}+saf6 hf/L • a}+ssf] Joj;flos sf/f]jf/;Fu ;DalGwt gLltx?df
ul/Psf lgb]{zg÷dfu{lgb]{zg, ;+:yfn] lgwf{/0f u/]sf hf]lvd Ifdtf tyf hf]lvd jxg ug{ ;Sg] ;Ldfsf]
cfGtl/s ;Ldf, pko'Qm k|rng cg'?k cfjZos lgwf{/0f tyf ;dLIff u/L ;+rfns ;ldlt ;dIf
gLlt Pjd\ ;+/rgf ljsf; ug{sf nflu ;+rfns ;'emfa ;lxt k|ltj]bgx? k|:t't ul/Psf] .
;ldltnfO{ ;'emfj lbg] .
• hf]lvd ;dfof]lht ;DklQ cg';f/ k"FhLsf] kof{Kttf,
• Ohfhtkq k|fKt ;+:yfn] lgoldt ?kdf bjfj k/LIf0f cfGtl/s k"FhL ljZn]if0f k4lt (ICAAP), Joj;flos
-:6]«; 6]li6Ë_ u/L ;f]sf] kl/0ffd pk/ 5nkmn u/L /0fgLlt cg'?k gLltut Joj:Yffsf] kof{Kttf, ;+:yfn]
;f]sf cfwf/df eljiodf ckgfpg' kg]{ cfjZos lng ;Sg] clwstd hf]lvd ;DaGwdf lgoldt
gLlt lgdf{0f jf lg0f{o k|lqmofsf nflu ;+rfns ?kdf 5nkmn tyf ljZn]if0f u/L ;+rfns ;ldlt
;ldltdf ;'emfj k]z ug]{ . ;dIf cfjZos /fo, ;'emfj k|:t't ul/Psf] .
• ;~rfns ;ldltaf6 ePsf] clVtof/ k|Tofof]hgsf] • hf]lvd Joj:yfkgsf nflu g]kfn /fi6« a}+saf6 hf/L
;Ldf tyf cf}lrTotf ljZn]if0f u/L ;~rfns ul/Psf lgb]{zg÷dfu{lgb]{zg, ;+:yfn] lgwf{/0f u/]sf
;ldltdf cfjZos ;'emfj ;lxtsf] k|ltj]bg k]z cfGtl/s ;Ldf, pko'Qm k|rng cg'?k cfjZos
ug]{ . gLlt Pjd\ ;+/rgf ljsf; ug{sf nflu ;+rfns
;ldltnfO{ ;'emfj k|:t't ul/Psf] .
• ;+:yfsf] ;DklQ ;+/rgf, tL ;DklQx? kl/rfngsf]
cj:yf, To;af6 k|fKt ug{ ;lsg] cfo, ;DklQx?sf] • q}dfl;s ?kdf bjfj k/LIf0f -:6]«; 6]li6Ë_ sf]

kl/0ffd pk/ ljZn]if0f u/L cfjZos ;'emfa ;ldltn] u/]sf lg0f{ox?sf] tyf lg0f{o adf]lhd ePsf
;lxtsf] k|ltj]bg ;~rfns ;ldlt ;dIf k]z sfo{x?sf] hfgsf/L ;~rfns ;ldlt ;dIf k|:t't ug{]
ul/Psf] . ub{5 .
• ;~rfns ;ldltaf6 k|d'v sfo{sf/L clws[t, o; ;ldltdf lgDg kbflwsf/Lx? /x]sf 5g\ M
Management Credit Committee / Credit
Committee nfO{ ePsf] clVtof/ k|Tofof]hgsf] -;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ldlt
;dLIff u/L ;+rfns ;ldlt ;dIf k|ltj]bg k]z @)&*÷!)÷@^ ;Dd_
ul/Psf] . ;~rfns, >L /fdrGb| ;+3O{ ;+of]hs
;~rfns, >L lqnf]s rGb cu|jfn ;b:o
• ;+:yfsf] ;DklQ ;+/rgf, tL ;DklQx? kl/rfngsf]
k|d'v sfo{sf/L clws[t, ;b:o
cj:yf, To;af6 k|fKt ug{ ;lsg] cfo, ;DklQx?sf]
>L /f]zg s'df/ Gof}kfg]
u'0f:t/df x'g] j[l4÷x|f; / ;DklQ bfloTj ;ldlt
(ALCO) af6 ePsf sfo{x?sf] ;DaGwdf q}dfl;s
k|d'v /0fgLlt clws[t, >L ljzfn l;Ub]n ;b:o
?kdf ljZn]if0f ÷;dLIff u/L ;+rfns ;ldltdf gfoa k|d'v sfo{sf/L clws[t, ;b:o ;lrj
k|ltj]bg k]z ul/Psf] . >L ;'lw/ gfy kf08]
• ;+rfns ;ldlt ;dIf hf]lvd Joj:Yffkg ;ldltsf] -ldlt @)&*÷!)÷@& b]lv ldlt @)&*÷!@÷@) ;Dd_
dfO{Go"6 lgoldt ?kdf k]z ul/Psf] .
;~rfns, >L /fdrGb| ;+3O{ ;+of]hs
cfly{s jif{ @)&*÷&( df ;ldltsf] hDdf @( j6f ;~rfns, >L lqnf]s rGb cu|jfn ;b:o
a}7s a;]sf] / ;~rfnsHo"x?sf] pkl:ytL Pj+ jxfFx?n] k|d'v sfo{sf/L clws[t, ;b:o
k|fKt ug{'ePsf] a}7s eQfsf] ljj/0f lgDgfg';f/ /x]sf] >L /f]zg s'df/ Gof}kfg]
5M k|d'v ljQLo clws[t, >L ?k]z n'O+{6]n ;b:o
gfoa k|d'v sfo{sf/L clws[t, ;b:o ;lrj
;b:ox? pkl:yt ePsf] a}7s >L ;'lw/ gfy kf08]
a}7s ;+Vof eQf ?=
>LdtL ljhof :jf/ 17 2,72,000
>L ljgf]b s'df/ Kofs'/]n 22 3,52,000 -ldlt @)&*÷!@÷@@ b]lv ldlt @)&(÷)#÷#@ ;Dd_
>L /fh]Gb| k|;fb cof{n 23 3,68,000
;~rfns, >L lqnf]s rGb cu|jfn ;+of]hs
>L u0f]z dfg >]i7 10 1,60,000
;~rfns, >L cflbTo s'df/ cu|jfn ;b:o
hDdf 11,52,000
@= sd{rf/L ;]jf ;'ljwf ;ldlt >L /f]zg s'df/ Gof}kfg]
pTs[i6 ;]jf k|bfg ug{ tyf hf]lvdsf] plrt Joj:yfkg k|d'v ljQLo clws[t, >L ?k]z n'O+{6]n ;b:o
ug{sf nflu ;Ifd / Joj;flos hgzlQmsf] cfjZostf gfoa k|d'v sfo{sf/L clws[t, ;b:o ;lrj
kb{5 . ;Ifd hgzlQm g} a+}ssf] alnof] cfwf/ ePsf]n] >L ;'lw/ gfy kf08]
u'0f:t/Lo hgzlQm cfs{if0f ug]{, hgzlQm Joj:yfkgnfO{
k|efjsf/L agfpg Joj:yfkgsf l;¢fGt / a}+lsË
Joj;fosf] k|efjsf/L ;~rfngsf nflu lg/Gt/ ?kdf o; ;ldltsf] lgDg adf]lhdsf lhDd]jf/Lx? (Terms of
Joj:yfkg k'g/fjnf]sg / ;dfof]hg ul//xg' kg]{ x'G5 . Reference) /x]sf 5g\ M
sd{rf/L ;]jf ;'ljwf ;ldlt Ps ;~rfns ;ldlt • ;+:yfsf] ækfl/>lds lgwf{/0f gLltÆ th'd{ f ug{
:t/sf] ;ldlt xf], h;sf] k|d'v p2]Zo a}+ssf] hgzlQm ;~rfns ;ldltnfO{ cfjZos ;xof]u ug{] .
Joj:Yffkg ;DaGwL gLlt tyf dfkb08x? tof/ u/L
;~rfns ;ldlt ;dIf k]z ug]{ tyf cfjlws ?kdf o; • ;do ;dodf ;Dk"0f{ sd{rf/Lx?sf] kfl/>lds
38
;+/rgfsf] cWoog tyf ljZn]if0f ug]{ / ahf/sf] ;'ljwfx¿sf] ;dLIff ul/Psf] .
kfl/>lds ;+/rgfdf cfPsf] kl/jt{gn] ;+:yfdf kfg]{
k|efjsf ;DaGwdf lgoldt ?kn] cWoog u/L ;~rfns cfly{s jif{ @)&*÷)&( df ;ldltsf] hDdf & j6f
;ldlt ;dIf k|ltj]bg k]z ug]{ . a}7s a;]sf] / ;~rfnsHo"x?sf] pkl:ytL Pj+ jxfFx?n]
k|fKt ug{'ePsf] a}7s eQfsf] ljj/0f lgDgfg';f/ /x]sf]
• ;+:yfsf] ækfl/>lds lgwf{/0f gLltÆ adf]lhd k|rlnt 5M
sfg'g tyf gLlt lgb]z{ gdf plNnlvt Joj:yfx?sf]
kfngf x'g] u/L k|dv
' sfo{sf/L clws[t nufot ;Dk"0f{ ;b:ox? pkl:yt ePsf] a}7s
sd{rf/Lx?sf] kfl/>lds j[l4 ug'{ kg]{ b]lvPdf ;f]sf] a}7s ;+Vof eQf ?=
cfwf/x? ;lxt ;~rfns ;ldltdf l;kmfl/z ug]{ . >L /fdrGb| ;+3O{ 5 80,000
>L lqnf]s rGb cu|jfn 7 1,12,000

• ;+:yfsf sd{rf/Lx?n] ;Dkfbg ug'{ kg]{ sfo{ ljj/0f, >L cflbTo s'df/ cu|jfn 2 32,000
nIo / k|ult d"NofÍgsf kl/;"rsx? ;d]t ljsf; u/L hDdf 2,24,000
;f] adf]lhd lghx?sf] sfo{;Dkfbg d"NofÍg k|0ffnLsf]
k'g/fjnf]sg ug]{ .
#= n]vfk/LIf0f ;ldltsf] ljifodf qmdf+s æbÆ df pNn]v
• hgzlQm Joj:Yffkg ;DaGwL sfo{x? egf{, 5gf}6, lgo'lQm, u/]sf] .
kb:yfkgf, ;?jf, a9'jf, j[lQljsf;, sfo{;Dkfbg
d"NofÍg, k'/:sf/ tyf ;hfo / >d ;DaGwL of]hgf, $= ;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt
gLlt tyf dfkb08x? tof/ u/L ;~rfns ;ldlt ;dIf ;DklQ z'4Ls/0f lgjf/0f ;ldlt Ps ;~rfns ;ldlt
k]z ug]{ . :t/sf] ;ldlt xf], h;sf] k|dv ' p2]Zo ;DklQ z'4Ls/0f
lgjf/0f ;DaGwdf a}s + n] th'd{ f u/]sf] gLlt÷ lgod÷
• sd{rf/L gLlt tyf sfo{/t sd{rf/L ;+/rgfsf] ;dLIff dfu{bz{gx?sf] k'g/fjnf]sg ug',{ ;DklQ z'4Ls/0f,
ug]{ / Succession Planning tof/ u/L :jLs[ltsf cft+sjfbL lqmofsnfkdf ljQLo nufgL tyf e|i6frf/
nflu ;~rfns ;ldlt ;dIf l;kmfl/z ug]{ . k|dv ' ;DaGwL hf]lvd klxrfg tyf lgoGq0f ug{ a}s + n] tof/
sfo{sf/L clws[tn] cfgf] ;]jf ;'ljwf;“u ;DaGwL u/]sf] ;+oGqsf] cfjlws k'g/fjnf]sg ug'{ nufot /x]sf]
ljifodf 5nkmn ug{ a;]sf] ;ldltsf] a}7sdf efu lng 5 . o; ;ldltn] ;DklQ z'4Ls/0f tyf cft+sjfbL
kfpg] 5}gg\ . lqmofsnfkdf ljQLo nufgL tyf e|i6frf/ ;DaGwL sfg"g,
lgodgsf/L lgsfon] tf]ss ] f] dfkb08 / a+s } sf] gLltx?
;dLIff cjlwdf o; ;ldltn] u/]sf k|d'v sfo{ sfof{Gjog ;DaGwdf a}s + Joj:yfkgnfO{ cfjZos
ljj/0fx?sf] ;+lIfKt ljj/0f o; k|sf/ /x]sf] 5 M ;'emfj lbg ;Sg] 5 tyf cfjlws ?kdf o; ;ldltn]
u/]sf lg0f{ox?sf] tyf lg0f{o jdf]lhd ePsf sfo{x?sf]
• cf=j= @)&*÷&( sf] Strategic Financial Plan hfgsf/L ;~rfns ;ldlt ;dIf k|:t't ug]{ ub{5 .
sf] tof/L ug{sf] nflu Job Design, egf{ Sofn]G8/,
kbf]Gglt Sofn]G8/, pQ/flwsf/ of]hgf, Learning and g]kfn /fi6« a}s
+ af6 hf/L PsLs[t lgb]z { g @)&* sf]
Development Sofn]G8/ / ;+:yfsf] ;+/rgf ;dLIff O=k|f= lgb]z
{ g g+= !(÷)&* adf]lhd u|fxs klxrfg,
ul/Psf] . ;DklQ z'4Ls/0f tyf cft+sjfbL sfo{df ljQLo nufgL
• Strategic Financial Plan / DNA & Talent ;DaGwL gLlt lgdf{0f, kl/dfh{g / sfof{Gjog ug]{ bfloTj
Management gLlt cg';f/ q}dfl;s ;dLIff / o; ;ldltsf] /xG5 . ;fy}, ;DklQ z'4Ls/0f, ljQLo
;~rfns ;ldltdf l;kmfl/; k]z ul/Psf] . cft+sjfb / e|i6frf/sf] hf]lvd klxrfg / Go"gLs/0f
o; ;ldltsf] k|dv ' lhDd]jf/L xf] . ;ldltn] sfdsf]
• sf]le8–!( af6 sd{rf/Lsf] ;'/Iff / :jf:Yo ;'lglZrt cfjZostf adf]lhd ljz]if1nfO{ a}7sdf cfdlGqt ug{
ug{ a}s
+ n] rfn]sf ;'/Iff pkfo / ;fjwfgLx¿sf] ;dLIff jf dxTjk"0f{ ljifodf /fo ;'emfj k|bfg ug{ cg'/f]w ug{
/ cBfjlws ul/Psf] . ;Sb5 .
• a}s
+ sf] gLlt cg';f/ sd{rf/Lx¿n] k|fKt u/]sf sd{rf/L

o; ;ldltdf lgDg kbflwsf/Lx? /x]sf 5g\ M tyf Financial Action Task Force (FATF) åf/f
hf/L ePsf] l;kmfl/; (Recommendation) adf]lhd
-;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ldlt a}+sn] th'{df tyf sfof{Gjog u/]sf] cfGtl/s
@)&*÷)&÷!! ;Dd_ gLlt, sfo{ljlw tyf k|s[ofut kIfx?sf] kof{Kttf
;~rfns, >L /fh]Gb| k|;fb cof{n ;+of]hs ;DaGwdf 5nkmn u/L cfjZos gLltut Joj:yf /
;~rfns, >L ljgf]b s'df/ Kofs'/]n ;b:o ;f] sf] sfof{Gjog ug]{ .
>L slkn 9sfn, k|d'v hf]lvd clws[t ;b:o
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
>L /fh' k|;fb clwsf/L, ;DklQ z'¢Ls/0f ;b:o ;lrj
ljQLo nufgL klxrfg / ;f]sf] lgjf/0fsf nflu
lgjf/0f sfof{Gjog clws[t
ckgfO{Psf / ckgfpg'kg]{ k|s[ofut kIf tyf ;f]
sfo{df k|of]u x'g] ;"rgf k|ljlw k|0ffnLsf] kof{Kttf
-ldlt @)&*÷)&÷!@ b]lv ldlt @)&*÷)*÷)*_ ;DaGwL 5nkmn u/L cfjZos ;'wf/sf] nflu
;~rfns, >L /fh]Gb| k|;fb cof{n ;+of]hs ;~rfns ;ldltnfO{ ;'emfj lbg] .
;~rfns, >LdtL ljhof :jf/ ;b:o
• u|fxs klxrfg ;DaGwL Joj:yfsf] ljZn]if0f u/L
pRr kb:y JolQm tyf clGtd lxtflwsf/L nufot
>L /fh' k|;fb clwsf/L, ;DklQ z'¢Ls/0f ;b:o ;lrj
hf]lvd juL{s/0f cg';f/ u|fxs klxrfg / u|fxs
lgjf/0f sfof{Gjog clws[t
:jLsf/ gLlt (Customer Acceptance Policy) th'{df
tyf k|efjsf/L ?kdf sfof{Gjog ug]{ u/fpg] .
-ldlt @)&*÷)*÷)( b]lv ldlt @)&*÷!@÷@)_
;~rfns, >L /fh]Gb| k|;fb cof{n ;+of]hs • ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
;~rfns, >LdtL ljhof :jf/ ;b:o ljQLo nufgL ;DaGwL P]g, lgodfjnL, g]kfn /fi6«
>L slkn 9sfn, k|d'v hf]lvd clws[t ;b:o a}+såf/f hf/L lgb]{Zfg, Pjd\ a}+ssf] cfGtl/s gLlt
>L lbks 9sfn, ;DklQ z'¢Ls/0f lgjf/0f ;b:o ;lrj lgodsf] kl/kfngf tyf sfof{Gjog cj:yfsf] af/]df
sfof{Gjog clws[t q}dfl;s k|ltj]bg ;~rfns ;ldltdf k]z ug]{ .
-ldlt @)&*÷!@÷@@ b]lv ldlt @)&(÷)#÷#@ ;Dd_ • Joj:yfkgaf6 b]xfo adf]lhdsf] k|ltj]bg÷ljj/0f
lnO{ 5nkmn ug]{ / cfjZostf cg';f/ ;~rfns
;~rfns, >L cflbTo s'df/ cu|jfn ;+of]hs
;ldltnfO{ ;'emfj lbg] .
;~rfns, >L u0f]z dfg >]i7 ;b:o
u AML/CFT sf] hf]lvd Joj:yfkg ;DjGwL
>L slkn 9sfn, k|d'v hf]lvd clws[t ;b:o k|ltj]bg .
>L lbks 9sfn, ;DklQ z'¢Ls/0f lgjf/0f ;b:o ;lrj u u|fxs klxrfgsf] cBfjlws l:ylt, u|fxs
sfof{Gjog clws[t klxrfg k4lt (CDD) sf] ljj/0f, PEPs sf]
ljj/0f / a[xt u|fxs klxrfg k4lt (ECDD)
o; ;ldltsf] lgDg adf]lhdsf sfd, st{Jo tyf sf] ljj/0f tyf o;nfO{ l56f], 5l/tf] / ;'rgf
lhDd]jf/Lx? (Terms of Reference) /x]sf 5g\ M k|ljlwsf] k|of]u dfkm{t yk k|efjsf/L agfpg
• ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g, eljiodf cjnDag ug'{kg]{ gLltut, k|s[ofut /
@)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f ;+:yfut ;'wf/sf sfo{x?sf] ljj/0f .
lgodfjnL, @)&#, g]kfn /fi6« a}+saf6 hf/L lgb]{Zfg u cfGtl/s n]vfk/LIf0f, afXo n]vfk/LIf0f / o;
-O=k|f=lgb]{zg g+= !(_ adf]lhd eP÷u/]sf sfd a}+ssf] lg/LIf0f k|ltj]bgdf pNn]lvt ;DklQ
sf/jfxLsf] ;dLIff u/L k|ltj]bg ;~rfns ;ldltdf z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo
k]z ug]{ . nufgL ;DaGwL s}lkmotx? pk/ ;dLIff tyf ;f]
;DaGwdf gLltut Pjd\ k|lqmofut ;'wf/ ug{' kg]{
• ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g, kIfx?sf] lj:t[t ljj/0f .
@)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f
lgodfjnL, @)&#, g]kfn /fi6« a}+saf6 hf/L lgb]{Zfg • a}+sn] gofF ;]jf÷;'ljwf z'?jft ubf{, k|ljlw
40
(IT System) vl/b ubf{, jfo/ 6«fG;km/ ubf{, -dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] bkmf $$
O{–a}lsË÷df]afO{n a}lsË -QR Code ;d]t_, 's' df pNn]lvt k|fjwfg k|lts'n gx'g] u/L 5nkmn
df]afOn jfn]6 dfkm{t /sd /sdfGt/ ubf{ / cGo ug]{ .
cgnfO{g÷ckmnfOg dfkm{t x'g] sf/f]af/df lglxt
;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf • ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
ljQLo nufgL ;DaGwL hf]lvdsf] ljZn]if0f / ;f]sf] ljQLo nufgL lgjf/0f ug{sf nflu ;+:yfn] ;Dkfbg
Joj:yfkgsf] nflu gLltut Pj+ k|lqmofut kIfdf ug{'kg]{ sfo{x? hf]lvdsf cfwf/df ;Dkfbg x'g]u/L
ug'{kg]{ cfjZos ;'wf/x?sf] ;DaGwdf lj:t[t ;+rfns ;ldltaf6 jflif{s jh]6 tyf sfo{qmd to
ljj/0f k'g/fjnf]sg ug]{ . ug{'kg]{ . ;f]sf] k|efjsf/L sfof{Gjog eP÷gePsf]
;'lglZrt ug]{ ;+oGq tof/ ug]{ tyf lgoldt cg'udg
• /fli6«o Pj+ cGt/f{li6«o If]qdf ;DklQ z'4Ls/0f tyf ug]{ lhDd]jf/L ;ldltsf] x'g] .
cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL
ePsf] ljifox?÷36gfx? / To;af6 a}+s÷ljQLo ;dLIff cjlwdf o; ;ldltn] u/]sf k|d'v sfo{x?sf]
;+:yfnfO{ kg{ ;Sg] c;/x?sf] ljZn]if0f u/L hf]lvd ;+lIfKt ljj/0f o; k|sf/ /x]sf] 5 M
Joj:yfkg ug{ s] s:tf] gLltut Joj:yf ug'{kg]{
xf] ;f] ;DaGwdf cfjZos ;'emfj ;~rfns ;ldlt • u|fxs klxrfg, ;DklQ z'4Ls/0f tyf cft+sjfbL
;dIf k]z ug]{ . sfo{df ljQLo nufgL ;DjlGwt gLltsf] lgdf{0f,
;+zf]wg / ;f] gLltx?sf] k|efjsf/L sfof{Gjog
• sfof{Gjog clwsf/L, ;+:yfsf] r'Qmf k"FhLsf] b'O{ ul/Psf] .
k|ltzt jf ;f] eGbf j9L z]o/ :jfldTj ePsf
z]o/wgL, ;~rfns ;ldltsf ;b:ox?, pRr • u|fxs klxrfg, ;DklQ z'4Ls/0f tyf cft+sjfbL
Jo:yfkgnfO{ / AML/CFT sf] sfo{df k|ToIf tyf sfo{df ljQLo nufgL lgoGq0f ;+oGqsf] k|efjsf/L
lgoldt ?kdf ;+nUg x'g] sd{rf/Lx?nfO{ AML/CFT sfof{Gjogsf] cg'udg ul/Psf] .
;DaGwL laifodf pko'Qm 1fg x:tfGt/0f sfo{qmdsf]
Joj:yfkg ug]{ . • u|fxs klxrfgsf] cBfjlws ;DaGwL sfo{sf]
k|efjsf/L sfof{Gjogsf] nflu kof{Kt ;+oGqsf]
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljsf; ul/Psf] .
ljQLo nufgL ;DaGwL cfGtl/s gLltut Joj:yf
/ dfu{bz{gsf] lgoldt k'g/fjnf]sg u/L ;f]sf] • a[xt\ u|fxs klxrfg ;DaGwL sfo{sf] ;+oGqsf]
kof{Kttfsf ;DaGwdf ;~rfns ;ldltdf ;'emfj k|efjsf/L sfof{Gjogsf] gLltut Pjd\ k|lqmofut
k]z ug]{ . kIfx?sf] cg'udg ul/Psf] .
• AML/CFT k|0ffnLn] k|efjsf/L ?kdf sfd • ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf
u/]÷gu/]sf], hf]lvdsf] plrt tj/n] Joj:yfkg ljQLo nufgL lgjf/0f ug{sf nflu hf]lvdsf
u/]÷gu/]sf], c:jefljs ultljlwsf] kof{Kt cg'udg cfwf/df to ul/Psf] jflif{s jh]6 tyf sfo{qmd
x'g] Joj:yf u/]÷gu/]sf] / cfjZos k|ltj]bgx? ;dLIff ul/Psf] .
;DalGwt lgsfodf k]z x'g] u/]÷gu/]sf] olsg
u/L ;f] ljifo ;~rfns ;ldltdf ;d]t 5nkmn x'g] • /fli6«o Pj+ cGt/f{li6«o If]qdf ;DklQ z'4Ls/0f tyf
Joj:yf ug]{ . cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL
ePsf] ljifox?÷36gfx?sf] ljZn]if0f u/L a}+sdf
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf x'g;Sg] hf]lvd Joj:yfkg ug{ cfjZos lgoGq0f
ljQLo nufgL lgoGq0f ;DaGwdf ljQLo hfgsf/L ;+oGqsf] k|efjsf/L sfof{Gjogsf] nflu ;'emfj ul/Psf] .
OsfO{ / g]kfn /fi6« a}+sn] tf]s] adf]lhdsf]
dfWodjf6 lgoldt ?kdf ;DalGwt lgsfox?df k]z • u|fxs klxrfgsf] clen]vsf] nflu kof{Kt Document
ug'{kg]{ ljj/0f tyf k|ltj]bgx? tf]lsP adf]lhd k]z Management System (DMS) ;+oGqsf] cg'udg
u/]÷gu/]sf] ;DaGwdf ;ldltn] ;DklQ z'4Ls/0f ul/Psf] .

• g]kfn /fi6« a}+ssf] lg/LIf0f k|ltj]bgdf plNn]lvt -ldlt @)&*÷)&÷!@ b]lv ldlt @)&*÷!)÷@& ;Dd_
;DklQ z"åLs/0f tyf cft+sjfbL lqmofsnfkdf ;~rfns >L /fdrGb| ;+3O{ ;+of]hs
ljQLo nufgL ;DaGwL s}lkmotx? pk/ ;dLIff u/L
;~rfns >L lqnf]s rGb cu|jfn, ;b:o
sfof{Gjog cj:yf ;dLIff ul/Psf] .
;~rfns >LdtL ljhof :jf/ ;b:o
pQm ;ldltsf] a}7s cfly{s jif{ @)&*÷&( df hDdf k|d'v sfo{sf/L clws[t, ;b:o
@) k6s a;]sf] 5 / ;~rfnsHo"x?sf] pkl:ytL Pj+ pxfFx?n] >L /f]zg s'df/ Gof}kfg]
k|fKt ug'{ePsf] a}7s eQfsf] ljj/0f lgDgfg';f/ /x]sf] 5 M k|d'v /0fgLlt clws[t, >L ljzfn lzUb]n ;b:o
Chie Development Ofcer, ;b:o
>L s}nfz uf}td
;b:ox? pkl:yt ePsf] a}7s gfoa k|d'v sfo{sf/L clws[t, ;b:o ;lrj
a}7s ;+Vof eQf ?= >L ;'lw/ gfy kf08]
>L /fh]Gb| k|;fb cof{n 16 2,56,000
>L ljgf]b s'df/ Kofs'/]n 6 96,000 -ldlt @)&*÷!)÷@* b]lv ldlt @)&*÷!@÷@) ;Dd_
>LdtL ljhof :jf/ 10 1,60,000
;~rfns >L /fdrGb| ;+3O{ ;+of]hs
>L cflbTo s'df/ cu|jfn 4 64,000
;~rfns >L lqnf]s rGb cu|jfn ;b:o
>L u0f]z dfg >]i7 3 48,000
;~rfns >LdtL ljhof :jf/ ;b:o
hDdf 6,24,000
%= ejg lgdf{0f pk ;ldlt k|d'v ljQLo clws[t, >L ?k]z n'O+{6]n ;b:o
a}s
+ nfO{ cfjZos kg]{ ejg lgdf{0f sfo{ ;DkGg ug{ Ps Chie Development Ofcer, ;b:o
;~rfns :t/sf] pk;ldlt u7g ug'k{ g]{ cfjZostf dx;'; >L s}nfz uf}td
u/L ldlt @)&&÷)^÷@* df ;DkGg ;~rfns ;ldltsf] gfoa k|d'v sfo{sf/L clws[t, ;b:o ;lrj
$%( cf}+ a}7sn] ;~rfns :t/sf] ejg lgdf{0f pk >L ;'lw/ gfy kf08]
;ldlt lgDgfg';f/ u7g u/]sf] tyf ;f] pk;ldltdf b]xfo
adf]lhdsf kbflwsf/Lx? ;lDdlnt /x]sf] 5 M
-ldlt @)&*÷!@÷@@ b]lv ldlt @)&(÷)#÷#@ ;Dd_
-;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ldlt ;~rfns >L lqnf]s rGb cu|jfn ;+of]hs
@)&*÷)&÷!! ;Dd_ ;~rfns >L /fdrGb| ;+3O{ ;b:o
;~rfns >L /fdrGb| ;+3O{ ;+of]hs ;~rfns >LdtL ljhof :jf/ ;b:o
;~rfns >L lqnf]s rGb cu|jfn ;b:o k|d'v sfo{sf/L clws[t, ;b:o
;~rfns >L ljgf]b s'df/ Kofs'/]n ;b:o >L /f]zg s'df/ Gof}kfg]
k|d'v sfo{sf/L clws[t, ;b:o k|d'v ljQLo clws[t, >L ?k]z n'O+{6]n ;b:o
Chie Development Ofcer, ;b:o
k|d'v /0fgLlt clws[t, >L ljzfn l;Ub]n ;b:o >L s}nfz uf}td
Chie Development Ofcer, ;b:o gfoa k|d'v sfo{sf/L clws[t, ;b:o ;lrj
>L s}nfz uf}td >L ;'lw/ gfy kf08]
gfoa k|d'v sfo{sf/L clws[t, ;b:o ;lrj
>L ;'lw/ gfy kf08]
42
o; pk;ldltsf] lhDd]jf/L (Terms of Reference) b]xfo • k|:tfljt sdnfbL ejg lgdf{0fsf] ;"rLsf] ;dLIff
adf]lhd /x]sf]] 5 M u/]sf],
• cfjZostf cg';f/ ejg lgdf{0f ljz]if1 lgo'lQmsf]
nflu l;kmfl/z ug]{, cf=j= @)&*÷&( df o; pk;ldltsf] hDdf ( j6f
• lgo'lQm ePsf ejg lgdf{0f ljz]if1n] k|:t't u/]sf] a}7s ;DkGg ePsf] / ;~rfnsx?sf] pkl:ylt Pj+
kl/of]hgf l8hfOgsf] ;dLIff u/L ;~rfns ;ldlt pxfFx?n] k|fKt ug'{ePsf] a}7s eQfsf] ljj/0f b]xfo
;dIf k|:t't ug]{, adf]lhd /x]sf] 5 M
• ejg lgdf{0f ;do tflnsf ;dLIff u/L cfjZos
lg0f{osf nflu ;~rfns ;ldltdf k|:t't ug]{, ;b:ox? pkl:yt ePsf] a}7s
• ejg lgdf{0fsf] nflu :yfgLo lgsfoaf6 cfjZos a}7s ;+Vof eQf ?=
cg'df]bgsf] nfuL ;Nnfxsf/;Fu ;dGjo ug]{, >L /fdrGb| ;+3O{ 8 1,28,000
• ;~rfns ;ldltaf6 cg'df]lbt ejg lgdf{0f ;do >L lqnf]s rGb cu|jfn 9 1,44,000
tflnsf cg'?k lgdf{0f sfo{sf] ;dLIff u/L cg'kfng
>L lagf]b s'df/ Kofs'/]n 2 32,000
;'lglZrt ug]{,
>LdtL ljhof :jf/ 7 1,12,000
• ljz]if1;Fu ejg lgdf{0f ;DalGwt BOQ / Bid
hDdf 4,16,000
sfuhft dfly 5nkmn u/L lg0f{o ug]{,
• pko'Qm :yfgdf pko'Qm d"Nodf hldg klxrfg
;fy}, ldlt @)&(÷)$÷@* df ;DkGg ;+rfns
ePdf ;~rfns ;ldltdf l;kmfl/; ug]{,
;ldltsf] %%(cf}+ a}7ssf] lg0f{ofg'zf/ ejg lgdf{0f
• ;a} Bid k|:tfjsf] ;dLIff u/L pko'Qm ;/;Nnfx
pk;ldltsf] la36g ePsf] 5 .
k|bfg ug]{,
• ejg lgdf{0f ljz]if1 / 7]s]bf/;Fu lgoldt 5nkmn
-y_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0fM
u/L lgdf{0f sfo{sf] ;dLIff ug]{,
cfly{s jif{ @)&*÷&( sf] sd{rf/L vr{ ? $=%)
• lgoldt lgdf{0f :ynsf] cg'udg ug]{,
ca{ / sfof{no ;~rfng vr{ ? @=$( ca{ u/L s'n
• lgdf{0f sfo{ ;dod} ;DkGg x'g] ;'lglZrt ug]{,
Joj:yfkg vr{ ? ^=(( ca{ /x]sf] 5 .
• x/]s b'O{ dlxgfdf o; pk ;ldltsf] k|ult ljj/0f
;~rfns ;ldlt ;dIf k]z ug]{
-b_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n]
k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn]
o; pk;ldltsf] lhDd]jf/L (Terms of Reference) b]xfo
u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g}
adf]lhd /x]sf]] 5 M
;'emfj lbPsf] eP ;f]sf] ljj/0f
• k|:tfljt jL/u~h / sdnfbL ejgsf] OG6]l/o/ /
n]vfk/LIf0f ;ldlt ;~rfns ;ldlt :t/sf] ;j{;fwf/0f
km];]8 l8hfOgsf] ;dLIff u/]sf],
z]o/wgL ;d"xaf6 k|ltlgwLTj ug]{ ;~rfnssf]
• k|:tfljt jL/u~h / sdnfbL ejgsf] OG6]l/o/ /
;+of]hsTjdf /x]sf] ;ldlt xf] . cfGtl/s lgoGq0f
Faced l8hfOgsf] ;dLIff u/L ;~rfns ;ldltsf]
k|0ffnLnfO{ dha't kfg]{ o; :jtGq lgsfon] cfGtl/s
a}7sdf l;kmfl/; ug]{ lg0f{o u/]sf],
n]vfk/LIf0f ljefusf] sfo{ d"NofÍg ub{5 . cfGtl/s
• k|:tfljt jL/u~h / sdnfbL ejgsf] 6]G8/
n]vfk/LIf0f ljefu k|dv ' o; ;ldltsf] ;b:o ;lrj
;"rgf, 6]G8/ sfuhft, kl/df0fsf] lan, 6]G8/
/xg' x'G5 eg] k|dv' sfo{sf/L clws[t / cGo a}s + sf
sf]g]{ / k|fljlws ljj/0f ;~rfns ;ldltsf] a}7sdf
sd{rf/LnfO{ cfjZos ePdf n]vfk/LIf0f ;ldltdf
l;kmfl/; ug]{ lg0f{o u/]sf],
cfdGq0f ug{ ;lsG5 . o; ;ldltn] a}s + sf] ljQLo
• k|:tfljt jL/u~h ejgsf] j}slNks k|:tfjdfly
ljj/0fsf] ;dLIff ug],{ n]vfk/LIf0fsf] sfo{qmd to ug]{
5nkmn u/]sf],
h:tf sfo{ ;Dkfbg u5{ . ;fy}, cfGtl/s n]vfk/LIf0fsf]
• k|:tfljt jL/u~h / sdnfbL ejgsf] 6]G8/sf]
qmddf b]vf k/]sf ;d:ofx?sf] ;dfwfgsf] nflu ;~rfns
k|fljlws d"NofÍg ;dLIff u/]sf],
;dIf ;'emfj k]z ug]{ / Joj:yfkgnfO{ cfjZos lgb]z { g
• k|:tfljt jL/u~h ejgsf] 6]G8/sf] nflu of]Uotf
lbg] sfo{ o; ;ldltn] ug]{ ub{5 .
dfkb08sf] ;dLIff u/]sf],
• k|:tfljt sdnfbL ejgsf] ;+zf]lwt ;+/rgf /
;+:yfut ;'zf;g o; ;ldltsf] If]q clwsf/df kb{5 /
l8hfOgsf] ;dLIff u/]sf],

;ldltn] ;+:yfut ;'zf;g lg/Gt/ ;dLIff u/L cfjlws -ldlt @)&*÷)&÷!@ b]lv ;dLIff cjlw ldlt
¿kdf ;~rfns ;ldlt ;dIf k|ltj]bg k|:t't ug]{ ub{5 . @)&*÷!@÷@) ;Dd_
;~rfns ;ldltsf] k|ltlglwsf] ?kdf cfGtl/s / jfÅo ;~rfns, >L ljgf]b s'df/ Kofs'/]n ;+of]hs
n]vfk/LIf0fdf ;xsfo{ ug{s' f ;fy} cfGtl/s lgoGq0f,
;~rfns, >L lgs'~h cu|jfn ;b:o
n]vf, ljQLo cg'zf;g, lgofdsLo k|fjwfgx?sf] cg'kfngf
k|d'v cfGtl/s n]vfk/LIf0f ljefu, ;b:o ;lrj
/ hf]lvd Joj:yfkg h:tf sfo{df klg ;ldltsf] e'ldsf
>L sdn v8\sf
dxTjk"0f{ 5 . o; ;ldltn] ;~rfns ;ldlt ;dIf
cfGtl/s n]vfk/LIf0fsf] k|ltj]bgx? k|:t't ug{s
' f ;fy}
;do ;dodf cfjZos ;Nnfx / ;'emfj ;d]t k|bfg ug]{
-ldlt @)&*÷!@÷@@ b]lv ;dLIff cjlw ldlt
ub{5 .
@)&(÷)#÷#@ ;Dd_
cfGtl/s n]vfk/LIf0fsf] If]qflwsf/ n]vfk/LIf0f ;ldltn] ;~rfns, >L u0f]z dfg >]i7 ;+of]hs
lgwf{/0f ub{5 . ;ldltsf] k|dv
' lhDd]jf/L n]vfk/LIfssf] ;~rfns, >L lgs'~h cu|jfn ;b:o
st{Jo / lhDd]jf/L lgi7fk"js { ;DkGg ug{ :jtGqtf k|d'v cfGtl/s n]vfk/LIf0f ljefu, ;b:o ;lrj
;'lglZrt ug{' xf] . o; ;ldltn] n]vfk/LIf0f k|ltj]bgdf >L sdn v8\sf
;DalGwt zfvf / ljefuaf6 k|fKt k|To'Q/ d"NofÍg ub}{
k|ltj]bgdf b]lvPsf s}lkmot tyf k|fKt k|To'Q/ ;ldltdf
5nkmn u/L ;~rfns ;ldlt ;dIf k|:t't ug]{ ub{5 . n]vfk/LIf0f ;ldltsf] lgDg k|d'v lhDd]jf/Lx? (Terms
of Reference) /x]sf 5g\ M
a}s
+ sf] ;~rfns ;ldltn] sDkgL P]g, a}s + tyf ljQLo
;+:yf ;DaGwL P]g tyf g]kfn /fi6« a}s+ sf] lgb]z
{ gsf] • k|rlnt sfg'g adf]lhd Ohfhtkq k|fKt ;+:yfsf]
clwgdf /xL u}/ sfo{sf/L ;~rfnssf] ;+of]hsTJfdf ! ;du| ljQLo cj:yf, cfGtl/s lgoGq0f, n]vfk/LIf0f
;~rfns ;b:o / cfGtl/s n]vfk/LIf0f ljefusf k|dv ' of]hgf / cfGtl/s n]vfk/LIf0fdf cf}+NofOPsf
;b:o ;lrj /xg] u/L n]vfk/LIf0f ;ldlt u7g u/]sf] 5 . ljifox?df cfjlws ?kdf ;dLIff u/L ;f] ;DaGwdf
ckgfpg' kg]{ sbd af/] Joj:yfkgnfO{ cfjZos
o; ;ldltdf lgDg kbflwsf/Lx? /x]sf 5g\ M lgb]{zg lbg] / ;f] ;DaGwL ;'emfj ;~rfns ;ldltdf
k]z ug]{ .
-;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ;dLIff • jf≈o n]vfk/LIfsn] k]z u/]sf] n]vfk/LIf0f
cjlw ldlt @)&*÷)%÷@& ;Dd_ k|ltj]bgdf cf}+NofOPsf a'Fbf÷s}lkmotx? pk/
;~rfns, >L u0f]z dfg >]i7 ;+of]hs ;dLIff u/L ;'wf/fTds sbd rfNg Joj:yfkgnfO{
;~rfns, >L lgs'~h cu|jfn ;b:o lgb]{zg lbg] .
k|d'v cfGtl/s n]vfk/LIf0f ljefu, ;b:o ;lrj • g]kfn /fi6« a}+saf6 lg/LIf0f tyf ;'kl/j]If0f
>L sdn v8\sf u/L k|ltj]bgdf cf}+NofOPsf a'Fbf÷s}lkmotx?sf]
sfof{Gjog eP gePsf] ;DaGwdf ;dLIff ug]{ tyf
tL ljifox?sf] clen]v u/L ;~rfns ;ldltnfO{
-ldlt @)&*÷)%÷@* b]lv ;dLIff cjlw ldlt hfgsf/L u/fpg] .
@)&*÷)&÷!! ;Dd_ • Ohfhtkq k|fKt ;+:yfsf] jflif{s ljQLo ljj/0fnfO{
;xL / oyfy{ agfpg Joj:yfkgnfO{ ;xof]u ug]{ .
;~rfns, >L lgs'~h cu|jfn ;+of]hs
• Ohfhtkq k|fKt ;+:yfsf] sf/f]af/sf] x/–lx;fj
k|d'v cfGtl/s n]vfk/LIf0f ljefu, ;b:o ;lrj
;xL / oyfy{ ePsf] ;DaGwdf ;~rfns ;ldltnfO{
>L sdn v8\sf
ljZj:t t'Nofpg'sf] ;fy} ;Defljt bfloTj /
shf{ jlu{s/0f u/L ;f]sf] nflu /fVg' kg]{ Joj:yf
;DaGwdf lgoldt ?kdf ;dLIff ug]{ .
• k|rlnt sfg'g tyf g]kfn /fi6« a}+saf6 Hff/L
ul/Psf lgodg Joj:yfx? kfngf u/]÷gu/]sf]
44
;DaGwdf ;ldltn] ;dLIff ug'{sf ;fy} ;f] ;DaGwL • n]vfk/LIf0f of]hgfsf] sfof{Gjogsf] lg/Gt/ ;dLIff
Aoxf]/f cfgf] k|ltj]bgdf pNn]v ug'{ kg]{ . u/L n]vfk/LIf0f sfo{sf] k|efjsfl/tfsf] cg'udg
• cfGtl/s n]vfk/LIf0f ;DaGwL lj:t[t sfo{ k|0ffnL ul/Psf] .
tof/ u/L ;f]sf] cfwf/df cfGtl/s n]vfk/LIf0f • n]vfk/LIf0f ;ldltsf] a}7ssf] dfO{Go'6 / cfjlws
u/fpg' kg]{ . k|ult ljj/0f ;~rfns ;ldltsf] a}7sdf 5nkmnsf]
• Ohfhtkqk|fKt ;+:yfsf] sfd sf/jfxLdf lgoldttf, nflu k]z ul/Psf] .
ldtJooLtf, cf}lrTotf, k|efjsfl/tf h:tf s'/fx? • cfGtl/s n]vfk/LIf0f ljefusf] /0fgLlt b:tfj]hsf]
cjnDag eP÷gePsf] af/] ;dLIff u/L ;~rfns ;dLIff / of]hgfa4 sfo{qmdx?sf] k|ult l:yltsf]
;ldltnfO{ cfjZos ;'emfj lbg] . cfjlws ;dLIff ul/Psf] .
• Ohfhtkqk|fKt ;+:yfsf] q}dfl;s ljQLo ljj/0fsf] • ;+:yfn] k|rlnt sfg'g tyf g]kfn /fi6« a}+saf6 Hff/L
;dLIff u/L ;~rfns ;ldlt ;dIf k|ltj]bg k]z ul/Psf lgodg Joj:yfx?sf] kl/kfngf u/] gu/]sf]
ug]{ . ;DaGwdf ;dLIff ul/Psf] .
• a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf • k|d'v cfGtl/s n]vfk/LIf0f ljefusf] cfjlws
^! / sDkgL P]g, @)^# sf] bkmf !^% df pNn]v sfo{;Dkfbg d"NofÍg ul/Psf] .
ePsf sfo{x? ug]{ . • cfGtl/s n]vfk/LIf0f ljefusf k|d'v / cfGtl/s
n]vfk/LIf0f ljefusf jl/i7 clwsf/Lx¿åf/f zfvf
;dLIff cjlwdf o; ;ldltn] u/]sf k|d'v sfo{ lg/LIf0fsf] k|ltj]bgsf] ;dLIff ul/Psf] .
ljj/0fx?sf] ;+lIfKt ;f/ o; k|sf/ 5g\ M
cfly{s jif{ @)&*÷)&( df ;ldltsf] hDdf %* j6f
• cfGtl/s n]vfk/LIf0f ljefusf] hf]lvddf cfwfl/t a}7s a;]sf] / ;~rfnsx?sf] pkl:ytL Pj+ pxfFx?n]
jflif{s n]vfk/LIf0f of]hgf / tflnsfsf] :jLs[lt / k|fKt u/]sf] a}7s eQfsf] ljj/0f lgDgfg';f/ /x]sf] 5 M
n]vfk/LIf0f of]hgf / tflnsfsf] sfof{Gjog l:yltsf]
lg/Gt/ cg'udg ul/Psf] . ;b:ox? pkl:yt ePsf] a}7s
• zfvf÷lj:tfl/t sfpG6/x¿, ljefux¿÷OsfOx¿ a}7s ;+Vof eQf ?=
/ k|fb]lzs sfof{nox¿sf] cfGtl/s n]vfk/LIf0f >L lagf]b s'df/ Kofs'/]n 29 4,64,000
k|ltj]bgx¿ -!,#^@ zfvf n]vfk/LIf0f k|ltj]bg, >L u0f]z dfg >]i7 27 4,32,000
@*! lj:tfl/t sfpG6/ n]vfk/LIf0f k|ltj]bg, >L lgs'~h cu|jfn 46 7,36,000
($ ljefu÷OsfO{ n]vfk/LIf0f k|ltj]bg, !@ j6f hDdf 16,32,000
k|fb]lzs sfof{nosf] n]vfk/LIf0f k|ltj]bgx¿_ dfly
5nkmn / cfjZos lgb]{zgx¿ hf/L ul/Psf] .
• cfGtl/s lgoGq0f, hf]lvd Joj:yfkg k|0ffnL / -w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf
;'zf;gnfO{ yk ;'b[9 ug{sf nflu ;'wf/ cfjZos cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf
/x]sf] If]qdf Joj:yfkgnfO{ cfjZos lgb]{zg / lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn]
;'emfj lbOPsf] . sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f
• cfDbfgL, vr{, shf{ c;'nL, ;+:yfut ;'zf;g o; ;DaGwL ljj/0f n]vf ;DaGwL l6Kk0fLdf pNn]v
nufotsf ljifox?sf] ljz]if n]vfk/LIf0f k|ltj]bg ul/Psf] 5 .
-@* n]vfk/LIf0f k|ltj]bg_ pk/ 5nkmn ul/Psf] .
• Vigilance Review k|ltj]bgdf 5nkmn u/L -g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf
Joj:yfkgnfO{ cfjZos lgb]{zg k]z ul/Psf] . kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf
• ;+:yfsf] q}dfl;s ljQLo ljj/0fsf] ;dLIff u/L tyf ;'ljwfsf] /sd
;~rfns ;ldlt ;dIf k|ltj]bg k]z ul/Psf] tyf o; ;DaGwL ljj/0f o;} k|ltj]bgsf] ;DalGwt :yfgdf
Joj:yfkgnfO{ cfjZos lgb]{zg÷;'emfj lbOPsf] . tyf n]vf ;DaGwL l6Kk0fLdf pNn]v ul/Psf] 5 .
• g]kfn /fi6« a}+ssf] lg/LIf0f k|ltj]bg tyf jfXo
n]vfk/LIf0f k|ltj]bgdf pNn]lvt s}lkmotx?, k|fKt -k_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd
lgb]{zg tyf ;'emfjx? pk/ 5nkmn u/L ;f]sf] z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+z /sdsf]
;dfwfgsf] cfjlws ;dLIff ul/Psf] . ljj/0f o; k|sf/ /x]sf] 5 M

cfly{s jif{ afFsL /x]sf] nfef+z tyf a}+ssf] sfo{ ;Dkfbg cem r':t / k|efjsf/L
2057/58 68,638 agfpg ;~rfns ;ldlt / o; cGtu{tsf ;ldltx?
2061/62 1,45,075 ;d]t lqmoflzn /x]sf 5g\ .
2065/66 4,64,009
2066/67 24,70,076 a}+sn] ;+:yfut ;'zf;gsf tLg cleGg cËx? Integrity,
2067/68 24,31,688 Transparency, Fairness nfO{ Joj;flos lqmofsnfkdf
2068/69 2,16,09,248 ;b}j cfTd;ft ub}{ cfPsf] 5 / a}+sn] cfgf] z]o/wgL,
2069/70 3,19,83,920 cGo ;/f]sf/jfnfsf] lxt tyf cfgf] ;]jfu|fxLx?sf] dfu
2070/71 2,74,51,926
/ ;]jfu|fxLnfO{ lbOg] ;]jfsf] u'0f:t/ j[l¢ ug{ ;+:yfut
2076/77 1,41,419
;'zf;gnfO{ cfgf] gLlt tyf lgodx?sf] cleGg cËsf]
nufgLstf{ ;'/If0f sf]if 7,49,452
?kdf ckgfPsf] 5 .
hDdf 8,75,15,451
a}ssf] ;+:yfut ;'zf;gnfO{ yk r':t tyf dha't

a}sn] z]o/wgLx?n] e'QmfgL lng afFsL nfef+z agfpg a+}sn] æ;+:yfut ;'zf;g gLltÆ Hff/L u/]sf] 5,
/sd a'lemlng cg'/f]w ub}{ /fli6«o:t/sf] klqsfdf h;sf] d'Vo p2]Zox? b]xfo adf]lhd /x]sf 5g\ M
k6s k6s ;"rgf k|sflzt ug{'sf ;fy} kfFr jif{
gf3]sf] e'QmfgL lbg afFsL nfef+zsf] ljj/0f a+}ssf] • a+}ssf ;Dk"0f{ tx, ;+/rgf tyf sfo{x?df pRr
j]a ;fO6 www.nicasiabank.com df ;d]t /flvPsf] 5 . ;+:yfut ;'zf;g nfu' ug]{ .
• a+}ssf] ;Dk"0f{ sfo{x? cfGtl/s tyf af≈o gLlt
-km_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] lgod cg'?k kfngf ug{ .
s'/fsf] ljj/0f M • a+s
} sf] nIo tyf p2]Zo k|flKt ug{sf nflu cfjZos
ljut cfly{s jif{df a}+sn] sDkgL P]g, @)^# sf] bkmf k|efjsf/L gLlt, ljlw tyf dfu{bz{g agfpg / ;f]sf]
!$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] 5}g . k|efjsf/L ?kdf kfngf u/fpg'sf ;fy} cg'udg ug{ .
-a_ bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/ #= ;+:yfut ;fdflhs pQ/bfloTj
sf] ljj/0f M a}s
+ Ps c;n ;+:yfut gful/s ;d]t ePsf] gftfn]
o; ;DaGwL ljj/0f jflif{s k|ltj]bgsf] n]vf ;DaGwL ;dfhsf ljleGg If]qdf ;fdflhs lxt tyf pTyfgsf]
l6Kk0fLdf pNn]v ul/Psf] 5 . nflu ;lqmo e"ldsf lgjf{x ub}{ cfO/x]sf] 5 . g]kfn /fi6«
a}s+ af6 hf/L ul/Psf] PsLs[t lgb]z
{ gsf] O=k|f=lgb]z
{ g g+=
-e_ o; P]g tyf k|rlnt sfg"gadf]lhd ;~rfns ;ldltsf] ^÷)&* sf] a'bF f g+= !^ adf]lhd a}s+ n] ;dLIff cjlwsf]
k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f M v'b gfkmfsf] ! k|ltzt cyf{t\ ?= $=@! s/f]8 ;+:yfut
;fdflhs pQ/bfloTj lqmofsnfksf] nflu ljlgof]hg u/]sf]
!= n]vfk/LIfs 5 h'g cl3Nnf] jif{ ?= #=@^ s/f]8 /x]sf] lyof] . ;dLIff
o; a}+ssf afXo n]vfk/LIfs >L P:f= P= cf/= cjlwdf sf]ifaf6 ? !=(% s/f]8 vr{ ePsf] 5 .
P;f]l;P6\; (SAR Associates), rf6{8{ PsfpG6]G6\;\n]
cf=j= @)&*÷&( sf] a}+ssf] n]vfk/LIf0f ;kmntfk"j{s $= u|fxs klxrfg (KYC) / ;DklQ z'4Ls/0f (AML/ CFT):
;DkGg ug'{ePsf] 5 . a}+sn] ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f P]g,
@)^$, o; ;DaGwL lgodfjnL tyf g]kfn /fi6« a}+sn]
@= ;+:yfut ;'zf;g Hff/L u/]sf] ;DklQ z'4Ls/0f lgoGq0f;Fu ;DaGwL
a}+sn] lgodgsf/L lgsfo tyf sfg"gsf] kl/kfngf lgb]{lzsfx?sf] k"0f{?kdf k|efjsf/L kl/kfngf ub}{ cfPsf]
ug{sf] lglDt dfq} geO{ c;n Joj;flos cEof; ug{ 5 . ;DklQ z'4Ls/0f /f]syfd ug{ a}+sn] k|efjsf/L
tyf Joj;flos kf/blz{tf sfod ug{sf lglDt ;d]t gLlt, lgod / lgb]{lzsfx? to u/L nfu" ul/;s]sf] 5 .
;+:yfut ;'zf;gnfO{ ;w} g} k|fyldstfdf /fv]sf] 5 . u|fxs klxrfg (KYC) / ;DklQ z'4Ls/0fsf ljifodf
a}+ssf] ;+:yfut ;'zf;g ;+/rgf cGtu{t ;~rfns a}+ssf sd{rf/Lx?nfO{ cBfjlws /fVg] p2]Zo;lxt
;ldltsf] lgikIf Pjd\ kf/bzL{ sfo{ k|0ffnL, ;~rfns a}+sn] lg/Gt/ ?kdf o; ;DaGwL tflndx? klg
;ldltsf] x:tIf]kd'Qm b}lgs Joj:yfksLo sfdsf/jfxL cfof]hgf ub}{ cfPsf] 5 . o;sf] ;fy} a}+sn] jflif{s
46
?kdf lng] æbIftf cf+sng hfFr (Skill Assessment a}+sn] ljefu tyf k|b]zdf juL{s/0f ub{} u|fxs ;xfotf
Test)Æ df ;a} sd{rf/Lx?nfO{ o; ljifodf clgjfo{ 8]:ssf] :yfkgf u/]sf] 5 . ;]jfu|fxLnfO{ ;jf{]Ts[i6 ;]jf
;fd]n x'g' kg]{ Joj:yf u/L ;f] sf] k|efjsf/L sfof{Gjog k|bfg ug{' g} a}+ssf] p2]Zo xf] . x/]s k|sf/sf u'gf;f]x?sf]
;d]t u/]sf] 5 . oL ;a} Joj:yfx?sf] ;du| kl/0ffd a}+sn] l56f] / pQd tl/sfn] ;'g'jfO{ ub{} cfPsf] 5 . o;
:j?k a}+ssf] u|fxs klxrfg (KYC) / ;DklQ z'4Ls/0f a}+sn] ;w}+ g} cfkm\gf ;]jfu|fxLnfO{ klxnf] k|fyldstfdf
;DaGwL :t/ g]kfnL a}+lsË If]qs} ;a}eGbf pRr:t/df /fVb} ;]jf k|bfg ub{} cfPsf] 5 .
k'u]sf] cg'dfg ul/Psf] 5 .
&= cfr/0f ;DaGwL Joj:yfsf] kfngf
%= z]o/wgL;Fusf] ;DaGw tyf z]o/wgLx?nfO{ ;"rgf g]kfn /fi6« a}+såf/f Hff/L PsLs[t lgb]{zgsf] O=k|f=lgb]{zg
Joj:yf g+= ^÷)&* df pNn]v ul/Psf cfr/0f ;DaGwL
@)&( cfiff9 d;fGt ;Dddf o; a}+ssf hDdf !,$@,^)) Joj:yfx?sf] a}+ssf ;~rfnsHo"x?n] k"0f{ ?kdf kfngf
z]o/wgLx? /xg' ePsf] 5 . a}+sn] z]o/wgLx?;Fu ug'{ePsf] 5 .
;"rgf cfbfg k|bfg ug]{ sfo{nfO{ pRr k|fyldstf lbPsf]
5 . jflif{s ;fwf/0f ;efdf z]o/wgL dxfg'efjx?;Fu wGojfb 1fkg
k|ToIf ;+jfbsf] dfWodaf6 a}+sn] dfu{ lgb]{zg k|fKt ug]{ xfd|f z]o/wgL dxfg'efjx? xfd|f] x/]s kfOnfdf ;fy lbg]
u/]sf] 5 . a}+ssf] jflif{s k|ltj]bg, q}dfl;s k|ltj]bg, ;xofqLx? x'g'x'G5 . a+}ssf] pQ/f]Q/ k|ult tyf ;d[l4sf]
k|]; lj1lKt nufot cGo hfgsf/Lx? ljleGg ;~rf/ nflu tkfO{x?n] k|ToIf tyf ck|ToIf ?kdf k'¥ofpg' ePsf]
dfWod Pj+ a}+ssf] j]a ;fO6 www.nicasiabank.com ;xof]u, dxTjk"0f{ ;Nnfx, ;'emfj, lg0f{o tyf dfu{bz{gn]
åf/f pknAw u/fpg] ul/Psf] 5 . g} a}+s cfhsf] ;an tyf ;Ifd cj:yfdf cfOk'u]sf] 5 .
z]o/wgL dxfg'efjx?n] xfdL k|lt b]vfpg'ePsf] ;b\efj tyf
^= u'gf;f] / ;'g'jfO ljZjf;sf] ;~rfns ;ldlt ;Fw} g} ;/fxgf ub{5 . xfd|f
;]jfu|fxLn] ljleGg dfWodaf6 cfkm\gf u'gf;f] btf{ ug{ x/]s pknlJwx?df xfd|f ;xofqLx?, xfd|f ;]jfu|fxLx? /
Pj+ a}+s ;DaGwL ;'rgfx? k|fKt ug{ ;Sg] Joj:yf a}+sn] xfd|f z'elrGtsx?n] ;w}+ g} ;fy lbg'ePsf] 5 / o;sf nflu
u/]sf] 5 . a}+sn] 6f]n k|mL gDa/, Rof6 aS;, ld:8 sn, ;~rfns ;ldltsf] tkm{af6 oxfFx?k|lt xflb{s s[t1tf JoQm
O{d]n OTofbL dfkm{t u'gf;f] btf{ tyf ;'rgf k|bfg ub{} ug{ rfxG5f}+ .
cfPsf] 5 .
o; ;~rfns ;ldltnfO{ lg/Gt/ lbzflgb{]z ug]{ >L g]kfn
u'gf;f] btf{ tyf ;'rgf k|fKt ug{] dfWod M /fi6« a}+s, >L g]kfn lwtf]kq af]8{, >L g]kfn :6s PS;r]Gh,
6f]n k|mL gDa/M !^^) )! &&&&! >L sDkgL /lhi6«f/sf] sfof{no, >L cy{ dGqfno, >L g]kfn
kmf]g gDa/M )!–%!!!!&& / )!–%!!!!&( ;/sf/ tyf cGo lgodgsf/L lgsfox?nfO{ pxfFx?n] k'¥ofpg'
kf]:6 aS; gDa/M !!)@! ePsf] ;xof]usf] nflu s[t1tf hfx]/ ub{5' . ;fy} a}+ssf] x/]s
O{d]nM feedback@nicasiabank.com pknlJw / k|ultdf cfÇgf] s8f kl/>dsf ;fy dxTjk"0f{
km];a"sM facebook.com/NicAsiaBank of]ubfg k'¥ofpg] a}+ssf ;a} sd{rf/Lx?sf] kl/>dsf] ;Ddfg
ub}{ o; ;~rfns ;ldlt cfpFbf jif{x?df ;d]t ;a};Fu
cf j &*÷&( df btf{ ePsf u'gf;fx? o; k|sf/sf lg/Gt/ ?kdf ;xof]u k|fKt e}/xg] ck]Iff /fVb5f}+ .
/x]sf 5g\ M
ljj/0f u'gf;f] btf{ u'gf;f] u'gf;f]

wGojfb .
;+Vof ;dfwfg ;dfwfg x'g
ePsf] ;+Vof afFsL ;+Vof ;~rfns ;ldltsf] tkm{af6
k|fljlws sl7gfO{ 703 703 - t'n;L/fd cu|jfn
ljQLo ck/fw - - - cWoIf
ljQLo n]gb]g ;DaGwL u'gf;f] 88 88 -
Jofh b/ ;DaGwL u'gf;f] 240 236 4 ldlt M @)&(÷)(÷)^

;]jf u'0f:t/ ;DjGwL u'gf;f] 5,592 5,585 7 :yfg M sf7df8f}+ .
sd{rf/L cfr/0f - - -
cGo 2,274 2,268 6

lwtf]kq btf{ tyf lgisfzg lgodfjnL @)&# -5}7f}+ ;+zf]wg_ sf]
cg';"rL !%, lgod @^ sf] pklgod @ ;Fu ;DalGwt
!= ;~rfns ;ldltsf] k|ltj]bg @)&* cflZjg d;fGt @)&* kf}if d;fGt

k|:t't ;du| k|ltj]bg ;~rfns ;ldltsf] k|ltj]bg clwstd d"No ? !,)*% clwstd d"No ? (!)
/x]sf] . Go'gtd d"No ? *#)=% Go'gtd d"No ? &)!
clGtd d"No ? *$( clGtd d"No ? **)=%
@= n]vfk/LIf0fsf] k|ltj]bg
sf/f]jf/ ;+Vof ^!,@^( sf/f]jf/ ;+Vof #@,)#(
;DalGwt zLif{sdf pNn]v ul/Psf] .
sf/f]jf/ lbg %& sf/f]jf/ lbg %(
#= n]vfk/LIf0f ePsf] ljQLo ljj/0f @)&* r}q d;fGt @)&( cfiff9 d;fGt
jf;nft, gfkmf tyf gf]S;fg, gub k|jfx ljj/0f tyf clwstd d"No ? (#%=# clwstd d"No ? *!(
;DaGw cg';"rLx?df ;dfj]z ul/Psf] . Go'gtd d"No ? &#( Go'gtd d"No ? ^#$
clGtd d"No ? &%& clGtd d"No ? ^(^
$= sfg"gL sf/jfxL ;DjGwL ljj/0f
sf/f]jf/ ;+Vof #$,&$* sf/f]jf/ ;+Vof #@,!*@
-s_ ut cfly{s jif{df a}+sn] tyf a}+ssf lj?4df
sf/f]jf/ lbg %* sf/f]jf/ lbg ^$
;fdfGo Jofj;flos sf/f]jf/ ;DaGwL d'2f afx]s
cGo d'2f g/x]sf] .
^= ;d:of / r'gf}tL
-v_ a}+ssf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf s= cfGtl/s ;d:of tyf r'gf}tL
;~rfnssf] lj?4df k|rlnt lgodsf] cj1f jf • a9\bf] k|lt:kwf{sf sf/0f bIf hgzlQmsf] cefj
kmf}hbf/L ck/fw u/]sf] ;DaGwdf d'2f bfo/ ePsf] tyf a+s} df xfn sfo{/t hgzlQmnfO{ ;d]t sfod
s'g} hfgsf/L k|fKt gePsf] . /fVg] r'gf}tL .
• bIf hgzlQmsf] ljsf; ug{' tyf pTk|]l/t ug{'
-u_ s'g} ;+:yfks jf ;~rfns lj?4 cfly{s ck/fw • a9\bf] ;~rfng nfut .
u/]sf] ;DaGwdf d'2f bfo/ ePsf] s'g} hfgsf/L
k|fKt gePsf] . v= jf≈|o ;d:of tyf r'gf}tL
• k|lts"n Jofhb/ tyf t/ntfsf] l:ylt Pj+d ;f]df
%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] ljZn]if0f x'g] cfsl:ds ptf/r9fj
• d'b|fl:kmlt tyf Jofhb/ lar ;fd~h:otf sfod
-s_ lwtf]kq jhf/ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/sf gx'g' .
;DaGwdf Joj:yfkgsf] wf/0ff . • t/ntf tyf To;sf] gLltut cGof]naf6 plAhg]
z]o/ sf/f]jf/df x'g] ptf/ r9fj v'Nnf ahf/n] ahf/ hf]lvd tyf ljQ Joj:yfkgsf r'gf}tLx?
k|ltkflbt u/]sf] d"No tyf dfGotf cg'?k x'g] ePsfn] • tLj| k|lt:kwf{ / To;af6 plAhPsf] o'lQmxLg
o; ;DaGwdf Joj:yfkgsf] wf/0ff t6:y /x]sf] . k|lt:kwf{Tds Jojxf/
• ;Lldt nufgLsf cj;/x?
-v_ cl3Nnf] jif{sf] k|To]s q}dfl;s cjlwdf sf/f]jf/
ePsf] z]o/sf] s'n ;+Vof tyf sf/f]jf/ ePsf] lbg &= ;+:yfut ;'zf;g
;DjGwL hfgsf/L nufot ;+ul7t ;+:yfsf] clwstd, ;~rfns ;ldltsf] k|ltj]bg cGtu{t ;DalGwt zLif{sdf
Go"gtd / clGtd z]o/ d"No . pNn]v ul/Psf] .
48
Pg cfO{ ;L Plzof a}+ssf] ;xfos sDkgL
Pg cfO{ ;L a}+ssf] tLgj6f ;xfos sDkgLx? /x]sf 5g\† Pg Pg cfO{ ;L Plzof Soflk6n lnld6]8 / Pg cfO{ ;L Plzof
cfO{ ;L Plzof Soflk6n lnld6]8, Pg cfO{ ;L Plzof n3'ljQ ;]So'l/6Lh\ lnld6]8 a}s
+ sf] k"0f{ :jfldTjdf /x]sf] ;xfos
ljQLo ;+:yf lnld6]8 / Pg cfO{ ;L Plzof ;]So'l/l6h\ sDkgLx? x'Gf\ eg] Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf
lnld6]8 . lnld6]8 a}s+ sf] %&=&%µ :jfldTjdf /x]sf] ;xfos sDkgL xf] .
Pg cfO{ ;L Plzof
a}+s lnld6]8
Pg cfO{ ;L Plzof Pg cfO{ ;L Plzof Pg cfO{ ;L Plzof

Soflk6n n3'ljQ ljQLo ;+:yf ;]So'l/6Lh\
lnld6]8 lnld6]8 lnld6]8
Pg cfO{ ;L Plzof ;]So'l/6Lh\ lnld6]8sf] @)&( c;f/ d;fGt ;Dd sf/f]af/ z'? ePsf] 5}g .

;+:yfut ;'zf;g ;DaGwL jflif{s cg'kfngf k|ltj]bg
50
;+:yfut ;'zf;g ;DaGwL jflif{s cg'kfngf k|ltj]bg
-;"rLs[t ;+ul7t ;+:yfx?sf] ;+:yfut ;'zf;g ;DaGwL lgb]{lzsf, @)&$ adf]lhd_
;"rLs[t ;Ël7t ;:+yfsf] gfd M Pg cfO{ ;L Plzof a}+s ln=

7]ufgf Od]n / j]j;fO6 ;lxt M 6]«8 6fj/ g]kfn, yfkfynL, sf7df08f}+ -Od]n M info@nicasiabank.com /
j]e;fO6 M www.nicasiabank.com_
kmf]g g=+ M )!–%!!!!&&÷&*÷**
k|ltj]bg k]z ul/Psf] cf=j= M @)&*÷&(
!= ;~rfns ;ldlt ;DaGwL ljj/0f M

-s_ ;~rfns ;ldltsf] cWoIfsf] gfd tyf lgo'lQm ldltM
>L t'n;L/fd cu|jfn, lj=;+= @)&*÷!@÷@)
-v_ ;+:yfsf] z]o/ ;+/rgf ;DaGwL ljj/0f -;+:yfks, ;j{;fwf/0f tyf cGoM_
z]o/wgLx? ;fwf/0f z]o/ ;+Vof kF"hL ;+/rgf ∞
;+:yfks z]o/wgLx? %*,(&^,#%^ %!=))
;j{;fwf/0f z]o/wgLx? %^,^^# ,^(* $(=))
hDdf z]o/ !!%,^$),)%$ !))=))
-u_ ;~rfns ;ldlt ;DaGwL ljj/0f M

kb tyf ;~rfns
;~rfnsx?sf] gfd tyf k|ltlglwTj ePsf] lgo'lQm ePsf] uf]klgotfsf] zky lgo'lQmsf]
qm= ;+= 7]ufgf ;d'x z]o/ ;+Vof ldlt lnPsf] ldlt t/Lsf -ljlw_
! >L t'n;L/fd cu|jfn ;+:yfks ;d'x @,)^@,*!! @)&*÷!@÷@) @)&*÷!@÷@! ;fwf/0f ;efsf]
lj/f6gu/,–( df]/Ë dfWodaf6
@ >L lqnf]s rGb cu|jfn ;+:yfks ;d"x ^,!&),#&^ @)&*÷!@÷@) @)&*÷!@÷@! ;fwf/0f ;efsf]
nflhDkf6–@, sf7df8f}+ dfWodaf6
# >L /fdrGb| ;+3O{ ;+:yfks ;d'x %,!)@,&%! @)&*÷!@÷@) @)&*÷!@÷@! ;fwf/0f ;efsf]
sdnkf]v/L–@%, sf7df8f}+ dfWodaf6
$ >L lgs'~h cu|jfn ;j{;fwf/0f ;d'x @,)%&,#(% @)&*÷!@÷@) @)&*÷!@÷@! ;fwf/0f ;efsf]
nflhDkf6–@, sf7df8f}+ dfWodaf6
% >L cflbTo s'df/ cu|jfn ;j{;fwf/0f ;d'x !$# @)&*÷!@÷@) @)&*÷!@÷@! ;fwf/0f ;efsf]
sdnfbL–@*, sf7df8f} dfWodaf6
^ >L u0f]z dfg >]i7 ;j{;fwf/0f ;d'x #&! @)&*÷!@÷@) @)&*÷!@÷@! ;fwf/0f ;efsf]]
jfkmn–!#, sf7df8f}+ dfWodaf6
& >LdtL ljhof :jf/ :jtGq ;~rfns – @)&*÷)&÷!) @)&*÷)&÷!) ;~rfns ;ldltsf]
;fg]kf–@, nlntk'/ lg0f{ofg';f/
* gf]6M
ldlt @)&*÷!@÷@) df ;DkGg a}+ssf] @$cf}+ jflif{s ;fwf/0f ;efsf] lg0f{ofg';f/ ;j{;fwf/0f z]o/wgL ;d'xaf6 $ jif{sf] nflu lgjf{lrt
;~rfns >L lgs'~h cu|jfnHo'n] ldlt @)&( sflQ{s )! ut] cfgf] JolQmut sf/0f bzf{pg' eO{ ;~rfns kbaf6 /flhgfdf lbg'ePsf]df
lghsf]] /flhgfdf ldlt @)&( sflQ{s )@ df ;DkGg ;~rfns ;ldltsf] %&! cf}+ a}7sn] :jLs[t u/L ;~rfns ;ldltsf] ;f]xL a}7sn]
;~rfns >L lgs'~h cu|jfnsf] kbfjlwsf] afFsL cjlwsf] nflu ;j{;fwf/0f z]o/wgL ;d'xaf6 >L s]zjk|;fb nD;fnHo"nfO{ a}+ssf]
;~rfns kbdf lgo'Qm u/]sf] 5 .

-3_ ;~rfns ;ldltsf] a}7s
• ;~rfns ;ldltsf] a}7s ;~rfng ;DaGwL ljj/0f M
qm=;= o; cf=j= df a;]sf] ;~rfns pkl:yt ;+rfnssf] j}7ssf] lg0f{odf leGg dt /fvL ut cf=j= df a;]sf]
;ldltsf] a}7ssf] ldlt ;+Vof x:tfIf/ ug]{ ;+rfnssf] ;+Vof j}7ssf] ldlt
! @)&*÷)$÷!# & gePsf] @)&&÷)$÷)&
@ @)&*÷)$÷!$ & gePsf] @)&&÷)$÷)*
# @)&*÷)$÷!( ^ gePsf] @)&&÷)$÷@*
$ @)&*÷)$÷@& & gePsf] @)&&÷)$÷@(
% @)&*÷)$÷@* & gePsf] @)&&÷)%÷@*
^ @)&*÷)%÷)( & gePsf] @)&&÷)^÷@!
& @)&*÷)%÷!) & gePsf] @)&&÷)^÷@*
* @)&*÷)%÷!! & gePsf] @)&&÷)&÷)$
( @)&*÷)%÷@& & gePsf] @)&&÷)&÷!^
!) @)&*÷)%÷@( ^ gePsf] @)&&÷)&÷@^
!! @)&*÷)%÷#) ^ gePsf] @)&&÷)*÷!)
!@ @)&*÷)^÷)^ ^ gePsf] @)&&÷)*÷@^
!# @)&*÷)^÷)& ^ gePsf] @)&&÷)(÷)*
!$ @)&*÷)^÷@) ^ gePsf] @)&&÷)(÷@@
!% @)&*÷)^÷@@ ^ gePsf] @)&&÷!)÷!$
!^ @)&*÷)&÷)* ^ gePsf] @)&&÷!)÷!%
!& @)&*÷)&÷!) & gePsf] @)&&÷!)÷@*
!* @)&*÷)&÷!! & gePsf] @)&&÷!)÷@(
!( @)&*÷)&÷!@ & gePsf] @)&&÷!!÷!@
@) @)&*÷)&÷!& & gePsf] @)&&÷!!÷!#
@! @)&*÷)&÷@% & gePsf] @)&&÷!!÷@^
@@ @)&*÷)&÷@^ & gePsf] @)&&÷!!÷@&
@# @)&*÷)*÷)* & gePsf] @)&&÷!@÷!!
@$ @)&*÷)*÷)( & gePsf] @)&&÷!@÷@%
@% @)&*÷)*÷!% % gePsf] @)&&÷!@÷@^
@^ @)&*÷)*÷@@ % gePsf] @)&*÷)!÷)*
@& @)&*÷)*÷@# & gePsf] @)&*÷)!÷!)
@* @)&*÷)(÷!% & gePsf] @)&*÷)!÷@@
@( @)&*÷)(÷!^ ^ gePsf] @)&*÷)!÷@#
#) @)&*÷)(÷@* & gePsf] @)&*÷)!÷@&
#! @)&*÷)(÷@( & gePsf] @)&*÷)@÷)%
#@ @)&*÷!)÷!( & gePsf] @)&*÷)@÷)^
## @)&*÷!)÷@) & gePsf] @)&*÷)@÷!#
#$ @)&*÷!)÷@& % gePsf] @)&*÷)@÷!$
#% @)&*÷!)÷@* % gePsf] @)&*÷)@÷!(
#^ @)&*÷!!÷!! ^ gePsf] @)&*÷)@÷@)
#& @)&*÷!!÷!@ ^ gePsf] @)&*÷)@÷#)
#* @)&*÷!!÷@% & gePsf] @)&*÷)@÷#!
#( @)&*÷!!÷@^ ^ gePsf] @)&*÷)#÷)!
$) @)&*÷!@÷)( % gePsf] @)&*÷)#÷@#
$! @)&*÷!@÷!) % gePsf] @)&*÷)#÷@$
$@ @)&*÷!@÷@) & gePsf] @)&*÷)#÷#)
$# @)&*÷!@÷@! & gePsf] @)&*÷)#÷#!
52
qm=;= o; cf=j= df a;]sf] ;~rfns pkl:yt ;+rfnssf] j}7ssf] lg0f{odf leGg dt /fvL ut cf=j= df a;]sf]
;ldltsf] a}7ssf] ldlt ;+Vof x:tfIf/ ug]{ ;+rfnssf] ;+Vof j}7ssf] ldlt
$$ @)&*÷!@÷@@ & gePsf]
$% @)&(÷)!÷)& ^ gePsf]
$^ @)&(÷)!÷)* ^ gePsf]
$& @)&(÷)!÷)( % gePsf]
$* @)&(÷)!÷!( ^ gePsf]
$( @)&(÷)!÷@) ^ gePsf]
%) @)&(÷)@÷)* ^ gePsf]
%! @)&(÷)@÷)( ^ gePsf]
%@ @)&(÷)@÷!( & gePsf]
%# @)&(÷)@÷@% ^ gePsf]
%$ @)&(÷)@÷@^ ^ gePsf]
%% @)&(÷)@÷@& & gePsf]
%^ @)&(÷)#÷)* ^ gePsf]
%& @)&(÷)#÷)( % gePsf]
%* @)&(÷)#÷!) $ gePsf]
%( @)&(÷)#÷@@ % gePsf]
^) @)&(÷)#÷@# % gePsf]
• s'g} ;~rfns ;ldltsf] a}7s cfjZos u0fk'/s ;+Vof gk'uL :ylut ePsf] eP ;f]sf] ljj/0fM gePsf]
• ;~rfns ;ldltsf] a}7s ;DaGwL cGo ljj/0f M

¡ ;~rfns ;ldltsf] a}7sdf ;~rfns jf j}slNks ;~rfns pkl:yt eP– gePsf] -gePsf] cj:yfdf
a}7ssf] ldlt ;lxt sf/0f v'nfpg]M
qm=;= o; cf=j= df a;]sf] ;~rfns pkl:yt cg'kl:yt ;+rfnssf] gfd tyf sf/0f
;ldltsf] a}7ssf] ldlt ;+rfnssf] ;+Vof
! @)&*÷)$÷!( ^ ;~rfns >L /fdrGb| ;+3O{Ho" ljz]if sf/0fjz a}7sdf
pkl:yt x'g g;Sg] hfgsf/L u/fpg' ePsf] .
@ @)&*÷)*÷!% % ;~rfns >L lqnf]s rGb cu|jfnHo" b]z aflx/ /xg'ePsf]n]
tyf ;~rfns >L /fdrGb| ;+3O{Ho" ljz]if sfdn] ;+rfns
;ldltsf] a}7sdf pkl:yt x'g g;Sg] hfgsf/L u/fpg'
ePsf] .
# @)&*÷)*÷@@ % ;~rfns >L lqnf]s rGb cu|jfnHo" / ;~rfns
>L /fdrGb| ;+3O{Ho" ljb]z e|d0fdf /xg'ePsf]n] ;+rfns
;ldltsf] a}7sdf pkl:yt x'g g;Sg] hfgsf/L
u/fpg' ePsf] .
$ @)&*÷)(÷!^ ^ ;~rfns >L /fdrGb| ;+3O{Ho" ljz]if sfdn] ;+rfns
;ldltsf] a}7sdf pkl:yt x'g g;Sg] hfgsf/L u/fpg' ePsf] .
% @)&*÷!)÷@& % ;~rfns >L /fdrGb| ;+3O{Ho" ljb]z e|d0fdf
/xg'ePsf]n] / ;~rfns >L /fh]Gb| k|;fb cof{nHo"
ljz]if sfdn] ;+rfns ;ldltsf] a}7sdf pkl:yt x'g
g;Sg] hfgsf/L u/fpg' ePsf] .
^ @)&*÷!)÷@* % ;~rfns >L /fdrGb| ;+3O{Ho" ljb]z e|d0fdf
/xg'ePsf]n] / ;~rfns >L /fh]Gb| k|;fb cof{nHo"
ljz]if sfdn] ;+rfns ;ldltsf] a}7sdf
pkl:yt x'g g;Sg] hfgsf/L u/fpg' ePsf] .
& @)&*÷!!÷!! ^ ;~rfns >L /fdrGb| ;+3O{Ho" ljb]z e|d0fdf /xg'ePsf]n]
;+rfns ;ldltsf] a}7sdf pkl:yt x'g g;Sg] hfgsf/L
u/fpg' ePsf] .

* @)&*÷!!÷!@ ^ ;~rfns >L /fdrGb| ;+3O{Ho" ljb]z e|d0fdf /xg'ePsf]n]
;+rfns ;ldltsf] a}7sdf pkl:yt x'g g;Sg] hfgsf/L
u/fpg' ePsf] .
( @)&*÷!!÷@^ ^ ;~rfns >L /fdrGb| ;+3O{Ho" pkTosf aflx/ e|d0fdf /
xg'ePsf]n] ;+rfns ;ldltsf] a}7sdf pkl:yt x'g g;Sg]
hfgsf/L u/fpg' ePsf] .
!) @)&*÷!@÷)( % ;~rfns >L /fh]Gb| k|;fb cof{nHo" tyf ;~rfns >L
lagf]b s'df/ Kofs'/]nHo" ljz]if sfdn] ;+rfns ;ldltsf]]
a}7sdf pkl:yt x'g g;Sg] hfgsf/L u/fpg' ePsf] .
!! @)&*÷!@÷!) % ;~rfns >L /fh]Gb| k|;fb cof{nHo" tyf ;~rfns >L
lagf]b s'df/ Kofs'/]nHo" ljz]if sfdn] ;+rfns ;ldltsf]
!@ @)&(÷)!÷)& ^ ;~rfns >L /fdrGb| ;+3O{Ho"sf] ljb]z e|d0f k/]sf]
sf/0fn] ;+rfns ;ldltsf] a}7sdf pkl:yt x'g g;Sg]
!# @)&(÷)!÷)* ^ ;~rfns >L /fdrGb| ;+3O{Ho"sf] ljb]z e|d0f k/]sf]
sf/0fn] ;+rfns ;ldltsf] a}7sdf pkl:yt x'g g;Sg]
!$ @)&(÷)!÷)( % ;~rfns >L /fdrGb| ;+3O{Ho"sf] ljb]z e|d0f
k/]sf] sf/0fn] tyf ;~rfns >L lqnf]s rGb cu|jfnHo"
!% @)&(÷)!÷!( ^ ;~rfns >L lgs'~h cu|jfnHo"sf] ljb]z e|d0f ug'{
k/]sf] sf/0fn] ;+rfns ;ldltsf] a}7sdf pkl:yt x'g
!^ @)&(÷)!÷@) ^ ;~rfns >L lgs'~h cu|jfnHo"sf] ljb]z e|d0f ug'{
k/]sf] sf/0fn] ;+rfns ;ldltsf] a}7sdf pkl:yt x'g
!& @)&(÷)@÷)* ^ ;~rfns >L /fdrGb| ;+3O{Ho" ljz]if sfdn] ;+rfns ;ldltsf]
!* @)&(÷)@÷)( ^ ;~rfns >L /fdrGb| ;+3O{Ho" ljz]if sfdn] ;+rfns ;ldltsf]
a}7sdf pkl:yt x'g g;Sg] hfgsf/L u/fpg' ePsf]
!( @)&(÷)@÷@% ^ ;~rfns >L lgs'~h cu|jfnHo" ljz]if sfdn] ;+rfns
ePsf] .
@) @)&(÷)@÷@^ ^ ;~rfns >L lgs'~h cu|jfnHo" ljz]if sfdn] ;+rfns
ePsf] .
@! @)&(÷)#÷)* ^ ;~rfns >L lqnf]s rGb cu|jfnHo" ljb]z e|d0fdf
hfg'ePsf]n] ;+rfns ;ldltsf] a}7sdf pkl:yt x'g g;Sg]
@@ @)&(÷)#÷)( % ;~rfns >L lqnf]s rGb cu|jfnHo" ljb]z e|d0fdf
hfg'ePsf]n] tyf ;~rfns >L lgs'~h cu|jfnHo"
@# @)&(÷)#÷!) $ ;~rfns >L lqnf]s rGb cu|jfnHo" ljb]z e|d0fdf
hfg'ePsf]n], ;~rfns >L /fdrGb| ;+3O{Ho"
pkTosf aflx/ e|d0fdf hfg'ePsf]n] tyf ;~rfns
>L lgs'~h cu|jfnHo" ljz]if sfdn] ;+rfns ;ldltsf]]
54
@$ @)&(÷)#÷@@ % ;~rfns >L /fdrGb| ;+3O{Ho" ljb]z e|d0fdf /xg'ePsf]
tyf ;~rfns >L u0f]z dfg >]i7Ho" :jf:y ;DaGwL
;d:ofn] ubf{ ;+rfns ;ldltsf] a}7sdf pkl:yt x'g
@% @)&(÷)#÷@# % ;~rfns >L u0f]z dfg >]i7Ho" :jf:y ;DaGwL ;d:ofn]
ubf{ tyf ;~rfns >L lgs'~h cu|jfnHo" ljb]z e|d0fdf
hfg'k/]sf]n] ;~rfns ;ldltsf] a}7sdf pkl:yt x'g
;~rfns ;ldltsf] a}7sdf pkl:yt ;~rfnsx¿, 5nkmn ePsf] ljifo / tt\ ;DaGwdf /fv]sf]
ePsf] lg0f{osf] ljj/0f -dfO{Go"6_ sf] 5'§} clen]v /fv] g/fv]sf]M
;~rfns ;ldltsf] b'O{ nuftf/ a;]sf] a}7ssf] clwstd cGt/ -lbgdf_ @! lbg
;~rfns ;ldltsf] a}7s eQf lgwf{/0f ;DaGwdf a;]sf] jflif{s ;fwf/0f ;efsf] ldlt ldlt @)&%÷)(÷)$ df ;DkGg
a}+ssf] @! cf}+ jflif{s ;fwf/0f ;ef
;~rfns ;ldltsf] k|lt a}7s eQf ? cWoIf M ? @),)))÷–
;+rfns M ? !^,)))÷–
cf=j=sf] ;+rfns ;ldltsf] s'n a}7s vr{ ? ^,@$),)))÷–
@= ;~rfnssf] cfr/0f ;DaGwL tyf cGo ljj/0f

;~rfnssf] cfr/0f ;DaGwdf ;DalGwt ;+:yfsf] cfrf/ ;+lxtf eP÷gePsf] M ePsf]
Psf3/ kl/jf/sf] Ps eGbf a9L ;~rfns eP ;f] ;DaGwL ljj/0f M gePsf]
;~rfnsx?sf] jflif{s ?kdf l;sfO{ tyf k"gtf{huL sfo{qmd ;DaGwL ljjj/0f M
qm=;= ljifo ldlt ;xefuL tflnd ;+rfng ePsf] :yfg

;+rfnssf] ;+Vof
! Corporate Governance in Banking @)&*÷)$÷!$ & a}+ssf] /lhi68{ sfof{no, yfkfynL sf7df8f}+
Sector
@ Board Oversight on issues related @)&*÷)*÷!% % a}+ssf] /lhi68{ sfof{no, yfkfynL sf7df8f}+
to AML/CFT
k|To]s ;~rfnsn] cfkm" ;~rfnssf] kbdf lgo'Qm jf dgf]gog ePsf] kGw| lbgleq b]xfosf s'/fsf] lnlvt hfgsf/L hfgsf/L u/fPsf]
u/fPsf]÷gu/fPsf] / gu/fP ;f]sf] ljj/0fM
• ;+:yf;Fu lgh jf lghsf] Psf3/sf] kl/jf/sf] s'g} ;b:on] s'g} lsl;dsf] s/f/ u/]sf] jf ug{ nfu]sf]
eP ;f] sf] ljj/0f,
• lgh jf lghsf] Psf3/sf] kl/jf/sf] s'g} ;b:on] ;+:yf jf ;f] ;+:yfsf] d'Vo jf ;xfos sDkgLdf lnPsf] z]o/
jf l8a]Gr/sf] ljj/0f,
• lgh cGo s'g} ;Ël7t ;+:yfsf] cfwf/e"t z]o/wgL jf ;~rfns /x]sf eP To;sf] ljj/0f,
• lghsf] Psf3/sf] kl/jf/sf] s'g} ;b:o ;+:yfdf kbflwsf/L jf sd{rf/Lsf] x}l;otdf sfd ul//xsf]
eP ;f]sf] ljj/0f .
;~rfnsn] p:t} k|s[ltsf] p2]Zo ePsf] ;"lrs[t ;+:yfsf] ;~rfns, tnjL kbflwsf/L, sfo{sf/L k|d'v jf gu/]sf]
sd{rf/L eO{ sfo{ u/]sf] eP ;f]sf] ljj/0fM
;~rfnsx?nfO{ lgodg lgsfo tyf cGo lgsfox?af6 s'g} sf/jfxL ul/Psf] eP ;f]sf] ljj/0fM hfgsf/Ldf gePsf]

#= ;+:yfsf] hf]lvd Joj:yfkg tyf cfGtl/s lgoGq0f k|0ffnL;DaGwL ljj/0f
-s_ hf]lvd Joj:yfkgsf] nflu s'g} ;ldlt u7g eP÷gePsf] u7g gePsf] eP ;f]sf] sf/0fM u7g ePsf]
-v_ hf]lvd Joj:yfkg ;ldlt ;DaGwL hfgsf/LM
-c_ ;ldltsf] ;+/rgf -;+of]hs tyf ;b:ox?sf] gfd tyf kb_
;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ldlt @)&*÷)$÷@& ;Dd
;~rfns, >L ljgf]b s'df/ Kofs'/]n ;+of]hs

;~rfns, >L /fh]Gb| k|;fb cof{n ;b:o
;dLIff cjlwsf] ldlt @)&*÷)$÷@* b]lv ldlt @)&*÷)%÷!) ;Dd

k|d'v PS:flkl/oG;\ Pz'/]G;\ O{sf] l;:6d, >L lbk]Gb| axfb'/ /fhe08f/L ;b:o
;dLIff cjlwsf] ldlt @)&*÷)%÷!! b]lv ldlt @)&*÷)%÷@& ;Dd

;xfos k|=sf=c – PS:flkl/oG;\ Pz'/]G;\ O{sf] l;:6d, >L hoGb| /fjn ;b:o
;dLIff cjlwsf] ldlt @)&*÷)%÷@* b]lv ldlt @)&*÷)&÷!! ;Dd

;dLIff cjlwsf] ldlt @)&*÷)&÷!@ b]lv ldlt @)&*÷!@÷@) ;Dd
;~rfns, >LdtL ljhof :jf/ ;+of]hs

56
;dLIff cjlwsf] ldlt @)&*÷!@÷@@ b]lv ldlt @)&(÷)#÷#@ ;Dd
;~rfns, >LdtL ljhof :jf/ ;+of]hs

-cf_ ;ldltsf] a}7s ;+VofM @(
-O_ ;ldltsf] sfo{ ;DaGwL 5f]6f] ljj/0f M

o; ;ldltsf] lgDg adf]lhdsf lhDd]jf/Lx? (Terms of Reference) /x]sf 5g\ M
• ljBdfg hf]lvd klxrfg tyf Joj:yfkg k|0ffnLsf] kof{Kttf / pko'Qmtf ;DaGwdf ;~rfns ;ldltnfO{
hfgsf/L u/fpg] / pko'Qm k|0ffnLsf] ljsf;sf nflu ;'emfj lbg] .
• Joj;flos ultljlwdf lglxt hf]lvdsf] :t/, hf]lvd axg Ifdtf, hf]lvd Joj:yfkgsf] nflu ljsf; u/]sf]
/0fgLlt, gLltut Joj:yf / dfu{bz{gsf] lgoldt k'g/fjnf]sg u/L ;f]sf] kof{Kttfsf ;DaGwdf ;~rfns
;ldltdf ;'emfj k]z ug]{ .
• Joj:yfkgaf6 lgoldt ?kdf hf]lvd Joj:yfkg k|ltj]bg lnO{ hf]lvdsf] cf+sng, d"Nof+sg, lgoGq0f tyf
cg'udg s] s;/L eO/x]sf] 5 ;f] ;DaGwdf 5nkmn ug]{ / ;~rfns ;ldltdf cfjZos ;'emfj k]z ug]{ .
• hf]lvd ;DklQ cg';f/ k"“hLsf] kof{Kttf, cfGtl/s k"“hL ljZn]if0f k4lt (ICAAP), Joj;flos /0fgLlt cg'?k
gLltut Joj:Yffsf] kof{Kttf, ;+:yfn] lng ;Sg] clwstd hf]lvd ;DaGwdf lgoldt ?kdf 5nkmn tyf
ljZn]if0f u/L ;~rfns ;ldltnfO{ cfjZos /fo, ;'emfj lbg] .
• hf]lvd Joj:yfkgsf nflu g]kfn /fi6« a}+saf6 hf/L ul/Psf lgb]{zg÷dfu{lgb]{zg, ;+:yfn] lgwf{/0f u/]sf
cfGtl/s ;Ldf, pko'Qm k|rng cg'?k cfjZos gLlt Pj\d ;+/rgf ljsf; ug{sf nflu ;~rfns ;ldltnfO{
;'emfj lbg] .
• lgoldt ?kdf bjfj k/LIf0f -:6]«; 6]li6Ë_ u/L ;f]sf] kl/0ffd dfly 5nkmn u/L ;f]sf cfwf/df eljiodf
ckgfpg' kg]{ cfjZos gLlt lgdf{0f jf lg0f{o k|lqmofsf nflu ;~rfns ;ldltdf ;'emfj k]z ug]{ .
• ;~rfns ;ldltaf6 ePsf] clVtof/ k|Tofof]hgsf] ;Ldf tyf cf}lrTotf ljZn]if0f u/L ;~rfns ;ldltdf
cfjZos ;'emfj ;lxtsf] k|ltj]bg k]z ug]{ .
• Ohfhtkq k|fKt ;+:yfsf] ;DklQ ;+/rgf, tL ;DklQx? kl/rfngsf] cj:yf, To;af6 k|fKt ug{ ;lsg] cfo,
;DklQx?sf] u'0f:t/df x'g] j[l4÷x|f; / ;DklQ bfloTj ;ldlt (ALCO) af6 ePsf sfo{x?sf] ;DaGwdf
q}dfl;s ?kdf ljZn]if0f÷;ldIff u/L ;~rfns ;ldltdf k|ltj]bg k]z ug]{ .
• cy{tGqsf] s'g} If]qdf pTkGg x'g] ;d:of jf kl/jt{gn] ;+:yfsf] ljQLo cj:yfdf kfg{ ;Sg] c;/sf]
;DaGwdf cWoog u/L ;f]sf] lg/fs/0fsf] nflu s] s:tf] gLlt cjnDag ug'{ kg]{ xf] cfjZos ;'emfj ;lxt
;~rfns ;ldltdf k|ltj]bg k]z ug]{ .
-u_ cfGtl/s lgoGq0f sfo{ljlw eP÷gePsf]M ePsf]
-3_ cfGtl/s lgoGq0f k|0ffnLsf] nflu s'g} ;ldlt u7g eP÷gePsf] u7g gePsf] eP ;f]sf] sf/0fM
a}+ssf] cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 agfpgsf nflu k|rlnt sfg'g tyf g]kfn /fi6« a}+saf6 a}}+s tyf
ljQLo ;+:yfx?sf] nflu hf/L ePsf] lgb]{zg adf]lhd ljleGg ;ldltx? u7g ul/Psf] 5 .
-ª_ cfGtl/s lgoGq0f k|0ffnL ;ldlt ;DaGwL ljj/0fM a}+sn] cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 agfpgsf nflu
;~rfns :tl/o b]xfo adf]lhdsf ;ldltx? u7g ul/Psf] 5 M
!= hf]lvd Joj:yfkg ;ldlt M a'+bf g+= #=v df pNn]v eP adf]lhd
@= n]vfk/LIf0f ;ldlt M a'+bf g+= ^=v df pNn]v eP adf]lhd
#= ;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt

-c_ ;ldltsf] ;+/rgf -;+of]hs tyf ;b:ox?sf] gfd tyf kb_
!= hf]lvd Joj:yfkg ;ldltsf] ;+/rgf M a'+bf g+= #=v-c_ df pNn]v eP adf]lhd
@= n]vfk/LIf0f ;ldltsf] ;+/rgf M a'+bf g+= ^=v df pNn]v eP adf]lhd
#= ;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt
;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ldlt @)&*÷)&÷!! ;Dd
;~rfns, >L /fh]Gb| k|;fb cof{n ;+of]hs

>L /fh' k|;fb clwsf/L, ;DklQ z'¢Ls/0f lgjf/0f sfof{Gjog clws[t ;b:o ;lrj
ldlt @)&*÷)&÷!@ b]lv ldlt @)&*÷)*÷)*

>L /fh' k|;fb clwsf/L, ;DklQ z'¢Ls/0f lgjf/0f sfof{Gjog clws[t ;b:o ;lrj
ldlt @)&*÷)*÷)( b]lv ldlt @)&*÷!@÷@)

>L lbks 9sfn, ;DklQ z'¢Ls/0f lgjf/0f sfof{Gjog clws[t ;b:o ;lrj
ldlt @)&*÷!@÷@@ b]lv ldlt @)&(÷)#÷#@ ;Dd
;~rfns, >L cflbTo s'df/ cu|jfn ;+of]hs

>L lbks 9sfn, ;DklQ z'¢Ls/0f lgjf/0f sfof{Gjog clws[t ;b:o ;lrj
-cf_ ;ldltsf] a}7s ;+Vof M

!= hf]lvd Joj:yfkg ;ldltsf] a}7s ;+Vof M @(
@= n]vfk/LIf0f ;ldltsf] a}7s ;+Vof M %*
#= ;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt M @)
58
-O_ ;ldltsf] sfo{ ;DaGwL 5f]6f] ljj/0f
!= hf]lvd Joj:yfkg ;ldltsf] sfo{ M a'+bf g+= #=v-O_ df pNn]v eP adf]lhd
@= n]vfk/LIf0f ;ldltsf] sfo{ M cg';"rL ! df pNn]v eP adf]lhd
#= ;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt -cg';"rL @ df pNn]v eP adf]lhd_
-r_ cfly{s k|zf;g ljlgodfjnL eP÷gePsf] M ePsf]
$= ;'rgf tyf hfgsf/L k|jfx ;DaGwL ljj/0f
-s_ ;+:yfn] ;fj{hlgs u/]sf] ;"rgf tyf hfgsf/L k|jfxsf] M ljj/0f

ljifo dfWod ;fj{hlgs u/]sf] ldlt
jflif{s ;fwf/0f ;efsf] ;"rgf /fli6«o :t/sf] klqsf @)&(÷)(÷)&

ljz]if ;fwf/0f ;efsf] ;"rgf – –
jflif{s k|ltj]bg j]j;fO6
q}dfl;s k|ltj]bg /fli6«o :t/sf] klqsf / @)&*÷)&÷!%,
j]j;fO6 @)&*÷!)÷)&,
@)&(÷)!÷)&,
@)&(÷)$÷)%
lwtf]kqsf] d"Nodf k|efj kfg]{ d"No ;+j]bgzLn ;"rgf k|]if lj1KtL tyf ;DalGwt @)&(÷)(÷)^
-cf=j= @)&* / &( sf] nfef+z ljt/0f ;DjlGw ;"rgf_ lgodgsf/L lgsfox?df
kq dfkm{t
cGo – –
gf]6 M a}+sn] cf=j @)&*÷&( df ljz]if ;fwf/0f ;ef gu/]sf]
-v_ ;'rgf ;fj{hlgs gu/]sf] jf cGo sf/0fn] lwtf]kq af]8{ tyf cGo lgsfoaf6 sf/jflxdf k/]sf] eP ;f] ;DaGwL
hfgsf/L M gk/]sf]
-u_ kl5Nnf] jflif{s tyf ljz]if ;fwf/0f ;ef ;DkGg ePsf] ldlt M kl5Nnf] jflif{s ;fwf/0f ;ef ldlt @)&*÷!@÷@)
ut] ;DkGg ePsf] tyf a}+sn] cf=j @)&*÷&( df ljz]if ;fwf/0f ;ef gu/]sf]
%= ;+:yfut ;+/rgf / sd{rf/L ;DaGwL ljj/0f
-s_ sd{rf/Lx?sf] ;+/rgf, kbk"lt{, j[lŒf ljsf;, tflnd, tnj, eQf tyf cGo ;'ljwf, xflh/ / ljbf, cfrf/;+lxtf
nufotsf s'/fx? ;d]l6Psf] sd{rf/L ;]jf zt{ ljlgodfjnL÷Joj:yf eP gePsf] M ePsf]
-v_ ;+fu7fgLs ;+/rgf ;+nUg ug]{ M cg';"rL # df pNn]v eP adf]lhd
-u_ pRr Joj:yfkg txsf sd{rf/Lx?sf] gfd, z}lIfs of]Uotf tyf cg'ej ;DaGwL ljj/0f M cg';"rL $ df pNn]v eP
adf]lhd

-3_ sd{rf/L ;DaGwL cGo ljj/0f
;+/rgf cg';f/ sd{rf/L kbk"tL{ ug]{ u/]÷gu/]sf] M u/]sf]
gofF sd{rf/Lx?sf] kbk"lt{ ubf{ ckgfPsf] k|s[of M gofF sd{rf/Lx?sf] kbk"lt{ ubf{ o; a}+ssf] sd{rf/L
;]jf ljlgodfjnLdf tf]lsPsf tkl;n adf]lhdsf
k|s[of cg';f/ ug]{ ul/Psf] M
!= v'Nnf k|lt:kwf{ cGtu{t klqsfdf lj¡ffkg k|sflzt
u/L k|fKt cfj]bssf] of]Uotf cg';f/ k|f/lDes 5gf]6
u/L lnlvt k/LIff, ;fd'lxs 5nkmn / cGt/jftf{sf]
cfwf/df lgo'lQm,
@= pTs[i6 5gf]6 k|sf/ cGtu{t PSh'So'l6e ;r{,
x]8 xG6 dfWodaf6 k|fKt cfj]bgdf k|f/lDes 5gf]6
u/L cGt/jftf{sf] cfwf/df lgo'lQm .
Joj:yfkg :t/sf sd{rf/Lsf] ;+VofM !)(
s'n sd{rf/Lsf] ;+VofM $,#*%
sd{rf/Lx?sf] ;S;];g Knfg eP÷gePsf] M ePsf]
cf= j= sd{rf/Lx?nfO{ lbOPsf] tflnd ;+Vof tyf !,#&& tflnd åf/f %#,%#^ ;lDdlnt sd{rf/Lx¿nfO{
;lDdlnt sd{rf/Lsf] ;+VofM tflnd lbO{Psf] -Ps sd{rf/LnfO{ Ps eGbf a9L tflnd
lbO{Psf]_
cf= j= sf] sd{rf/L tflnd vr{ ? M ?=!!*,^)@, ($(
s'n vr{df sd{rf/L vr{sf] k|ltzt M ^$=$@ k|ltzt
s'n sd{rf/L vr{df sd{rf/L tfnLd vr{sf] k|ltzt M @=^% k|ltzt
^= ;+:yfsf] n]vf tyf n]vfk/LIf0f ;DaGwL ljj/0f
-s_ n]vf;DaGwL ljj/0f

;+:yfsf] kl5Nnf] cf= j= sf] ljlQo ljj/0f NFRS u/]sf]
cg';f/ tof/ u/]÷ gu/]sf], gu/]sf] eP ;f]sf] sf/0f M
;+rfns ;ldltaf6 kl5Nnf] ljQLo ljj/0f :jLs[t ePsf] @)&*÷!!÷@^
ldltM
q}dfl;s ljQLo ljj/0f k|sfzg u/]sf] ldlt M @)&*÷)&÷!%,
@)&*÷!)÷)&,
@)&(÷)!÷)&,
@)&(÷)$÷)%
clGtd n]vfkl/If0f ;DkGg ePsf] ldlt M @)&(÷)(÷)%
;fwf/0f ;efaf6 ljQLo ljj/0f :jLs[t ePsf] ldlt M
;+:yfsf] cfGtl/s n]vf k/LIf0f ;DaGwL ljj/0f M
-c_ cfGtl/s ?kdf n]vf k/LIf0f ug]{ ul/Psf] jf jfXo -c_ cfGtl/s ?kdf n]vf k/LIf0f ug]{ ul/Psf]
lj1 lgo'Qm ug]{ ul/Psf]
-cf_ jfXo lj1 lgo'Qm ul/Psf] eP ;f]sf] ljj/0f -cf_ ul/Psf] 5}g
60
-O_ cfGtl/s n]vfk/LIf0f slt cjlwsf] ug]{ ul/Psf] -O n]vfk/LIf0f ;ldltaf6 :jLs[t ul/Psf] cl3Nnf]
-q}dfl;s,rf}dfl;s jf cw{aflif{s_ n]vfkl/If0fsf] grade cg";f/ ljleGg zfvf,
ljefux?sf] n]vfkl/If0fsf] cjlw lgDg adf]lhd to
ug]{ ul/Psf] †
Overall AuditGrade Audit Tolerance

of Previous Audit Frequency Level (+/-)
Very Good (1) Annually 1 month
Very Good (2) Semi Annually 1 month
Good (3) and Above Quarterly 1 month
-v_ n]vfk/LIf0f ;ldlt ;DaGwL ljj/0f
• ;+of]hs tyf ;b:ox?sf] gfd, kb tyf of]Uotf M
;dLIff cjlwsf] ;'?jft ldlt @)&*÷)$÷)! b]lv ;dLIff cjlw ldlt @)&*÷)%÷@& ;Dd
gfd kb of]Uotf
;~rfns, >L u0f]z dfg >]i7 ;+of]hs :gftsf]Q/
;~rfns, >L lgs'~h cu|jfn ;b:o :gftsf]Q/
k|d'v cfGtl/s n]vfk/LIfs, >L sdn v8\sf ;b:o ;lrj Rff6{8{ Psfp06]06
;dLIff cjlwsf] ldlt @)&*÷)%÷@* b]lv ;dLIff cjlw ldlt @)&*÷)&÷!! ;Dd
gfd kb of]Uotf
;~rfns, >L lgs'~h cu|jfn ;+of]hs :gftsf]Q/
;dLIff cjlwsf] ldlt @)&*÷)&÷!@ b]lv ;dLIff cjlw ldlt @)&*÷!@÷@) ;Dd
gfd kb of]Uotf
;~rfns,>L ljgf]b s'df/ Kofs'/]n ;+of]hs :gftsf]Q/
;dLIff cjlwsf] ldlt @)&*÷!@÷@@ b]lv ;dLIff cjlw ldlt @)&(÷)#÷#@ ;Dd
gfd kb of]Uotf
;~rfns,>L u0f]z dfg >]i7 ;+of]hs :gftsf]Q/

• j}7s a;]sf] ldlt tyf pkl:yt ;b:o ;+Vof M
qm= ;+ ldlt pkl:yt ;b:o ;+Vof

! @)&*÷)$÷!@ #
@ @)&*÷)$÷@( #
# @)&*÷)%÷@) #
$ @)&*÷)%÷@# #
% @)&*÷)%÷@% #
^ @)&*÷)^÷)% @
& @)&*÷)&÷)( @
* @)&*÷)&÷!$ #
( @)&*÷)&÷!^ @
!) @)&*÷)&÷@@ @
!! @)&*÷)&÷@# @
!@ @)&*÷)&÷@$ @
!# @)&*÷)*÷)& #
!$ @)&*÷)*÷!# #
!% @)&*÷)*÷!$ #
!^ @)&*÷)*÷!( #
!& @)&*÷)*÷@) #
!* @)&*÷)*÷@( #
!( @)&*÷)(÷)! #
@) @)&*÷)(÷!( #
@! @)&*÷)(÷@) #
@@ @)&*÷)(÷@@ #
@# @)&*÷!)÷)^ #
@$ @)&*÷!)÷!* #
@% @)&*÷!!÷)! #
@^ @)&*÷!!÷)# #
@& @)&*÷!!÷)$ #
@* @)&*÷!!÷)( #
@( @)&*÷!!÷!) #
#) @)&*÷!!÷!% #
#! @)&*÷!!÷!^ #
#@ @)&*÷!!÷!& #
## @)&*÷!!÷@( #
#$ @)&*÷!!÷#) #
#% @)&*÷!@÷!$ #
#^ @)&*÷!@÷!% #
#& @)&(÷)!÷)$ #
#* @)&(÷)!÷)% @
#( @)&(÷)!÷)^ #
$) @)&(÷)!÷!# @
$! @)&(÷)!÷!$ #
$@ @)&(÷)!÷!^ #
$# @)&(÷)!÷@@ #
$$ @)&(÷)!÷@# #
$% @)&(÷)!÷@% #
$^ @)&(÷)!÷@* #
$& @)&(÷)!÷@( @
$* @)&(÷)@÷)% @
$( @)&(÷)@÷)^ #
%) @)&(÷)@÷!@ #
%! @)&(÷)@÷!# #
%@ @)&(÷)@÷!* @
%# @)&(÷)@÷#) @
%$ @)&(÷)@÷#! #
%% @)&(÷)#÷)@ #
%^ @)&(÷)#÷)# @
%& @)&(÷)#÷)^ #
%* @)&(÷)#÷!$ #
62
• k|lt j}7s eQf ?= M ? !^,)))÷–
• n]vfk/LIf0f ;ldltn] cfkm\gf] sfd sf/jfxLsf] k|ltj]bg ;~rfns ;ldltdf k]z u/]sf] ldlt M
qm= ;+ ldlt
! @)&*÷)&÷@@
@ @)&*÷!!÷)^
# @)&(÷)!÷!%
$ @)&(÷)$÷!(
&= cGo ljj/0f

;+:yfn] ;~rfns tyf lghsf] Psf3/sf kl/jf/sf] ljQLo :jfy{ ePsf] JolQm, a}Í glnPsf]
tyf ljQLo ;+:yfaf6 C0f jf ;fk6L jf cGo s'g} ¿kdf /sd lnP÷ glnPsf]
k|rlnt sfg"g adf]lhd sDkgLsf] ;~rfns, z]o/wgL, sd{rf/L, ;Nnfxsf/, Gfu/]sf]
k/fdz{bftfsf] x}l;otdf kfpg] ;'ljwf jf nfe afx]s ;"lrs[t ;Ël7t ;+:yfsf] ljQLo
:jfy{ ePsf] sg} JolQm, kmd{, sDkgL, sd{rf/L, ;Nnfxsf/ jf k/fdz{bftfn] ;+:yfsf]
s'g} ;DklQ s'g} lsl;dn] ef]urng u/]÷gu/]sf]
lgodsf/L lgsfon] Ohfhtkq hf/L ubf{ tf]s]sf] zt{x?sf] kfngf eP÷gePsf] ePsf]
lgodsf/L lgsfon] ;+:yfsf] lgodg lg/LIf0f jf ;'k/Lj]If0f ubf{ ;+:yfnfO{ lbOPsf] ePsf]
lgb]{zg kfngf eP÷gePsf]
;+:yf jf ;~rfns lj?4 cbfntdf s'g} d'2f rln/x]sf] eP ;f]sf] ljj/0f a}+ssf] shf{ c;'nLsf] qmddf
x'g] d'2fx? afx]ssf cGo d'2f
gePsf] / ;~rfns lj?4 d'2f
rn]sf]] hfgsf/L gePsf]]
kl/kfngf clws[tsf] gfd M lbks 9sfn

kb M k|d'v cg'kfngf ljefu
ldlt M @)&(÷)(÷)^
k|ltj]bg ;~rfns ;ldltaf6 :jLs[t ldlt M @)&(÷)(÷)^

cg';"rL ! M n]vfk/LIf0f ;ldltsf] k|d'v lhDd]jf/Lx? (Terms of Reference)
• k|rlnt sfg"g adf]lhd Ohfhtkq k|fKt ;+:yfsf] ;du| ;f]sf] nflu /fVg' kg]{ Joj:yf ;DaGwdf lgoldt ?kdf
ljQLo cj:yf, cfGtl/s lgoGq0f, n]vfk/LIf0f of]hgf / ;dLIff ug]{ .
cfGtl/s n]vfk/LIf0fdf cf}+NofOPsf ljifox?df cfjlws
?kdf ;dLIff u/L ;f] ;DaGwdf ckgfpg' kg]{ sbdaf/] • k|rlnt sfg"g tyf g]kfn /fi6« a}+saf6 Hff/L ul/Psf
Joj:yfkgnfO{ cfjZos lgb]{zg lbg] / ;f] ;DaGwL lgodg Joj:yfx? kfngf u/] gu/]sf] ;DaGwdf ;ldltn]
;'emfj ;~rfns ;ldltdf k]z ug]{ . ;dLIff ug'{sf ;fy} ;f] ;DaGwL Aoxf]/f cfÇgf] k|ltj]bgdf
pNn]v ug'{ kg]{ .
• afx\o n]vfk/LIfsn] k]z u/]sf] n]vfk/LIf0f k|ltj]bgdf
cf}+NofOPsf a'Fbf÷s}lkmotx? pk/ ;dLIff u/L ;'wf/fTds • cfGtl/s n]vfk/LIf0f ;DaGwL lj:t[t sfo{ k|0ffnL tof/
sbd rfNg Joj:yfkgnfO{ lgb]{zg lbg] . u/L ;f]sf] cfwf/df cfGtl/s n]vfk/LIf0f u/fpg' kg]{ .
• g]kfn /fi6« a}+saf6 lg/LIf0f tyf ;'kl/j]If0f u/L • Ohfhtkqk|fKt ;+:yfsf] sfd sf/jfxLdf lgoldttf,
k|ltj]bgdf cf}NofOPsf a'Fbf÷s}lkmotx?sf] sfof{Gjog ldtJolotf, cf}lrTotf, k|efjsfl/tf h:tf s'/fx?
eP gePsf] ;DaGwdf ;dLIff ug]{ tyf tL ljifox?sf] cjnDag eP gePsf]af/] ;dLIff u/L ;~rfns
clen]v u/L ;~rfns ;ldltnfO{ hfgsf/L u/fpg] . ;ldltnfO{ cfjZos ;'emfj lbg] .
• Ohfhtkq k|fKt ;+:yfsf] jflif{s ljQLo ljj/0fnfO{ ;xL • Ohfhtkqk|fKt ;+:yfsf] q}dfl;s ljQLo ljj/0fsf]
/ oyfy{ agfpg Joj:yfkgnfO{ ;xof]u ug]{ . ;dLIff u/L ;~rfns ;ldlt ;dIf k|ltj]bg k]z ug]{ .
• Ohfhtkq k|fKt ;+:yfsf] sf/f]af/sf] x/–lx;fj ;xL / • a}s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] bkmf ^!
oyfy{ ePsf] ;DaGwdf ;~rfns ;ldltnfO{ ljZj:t / sDkgL P]g, @)^# sf] bkmf !^% df pNn]v ePsf
t'Nofpg'sf] ;fy} ;Defljt bfloTj / shf{ jlu{s/0f u/L sfo{x? ug]{ .
64
cg';"rL @ M ;DklQ z'4Ls/0f lgjf/0f ;DaGwL ;ldltsf]
k|d'v lhDd]jf/Lx? (Terms of Reference)
• ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f lgodfjnL, @)&#,
o; a}+saf6 hf/L lgb]{Zfg -O=k|f=lgb]{zg g+= !(_ adf]lhd eP÷u/]sf sfd sf/jfxLsf] ;dLIff u/L k|ltj]bg ;~rfns
;ldltdf k]z ug]{ .
• ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$, ;DklQ z'4Ls/0f -dgL nfpG8l/Ë_ lgjf/0f lgodfjnL, @)&#,
g]kfn /fi6« a}+saf6 hf/L lgb]{Zfg tyf Financial Action Task Force (FATF) åf/f hf/L ePsf] l;kmfl/; (Recommendation)
adf]lhd a}+sn] th'{df tyf sfo{fGjog u/]sf] cfGtl/s gLlt, sfo{ljlw tyf k|s[ofut kIfx?sf] kof{Kttf ;DaGwdf 5nkmn
u/L cfjZos gLltut Joj:yf / ;f] sf] sfof{Gjog ug]{ .
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL klxrfg / ;f]sf] lgjf/0fsf nflu ckgfO{Psf / ckgfpg'kg]{
k|s[ofut kIf tyf ;f] sfo{df k|of]u x'g] ;"rgf k|ljlw k|0ffnLsf] kof{Kttf ;DaGwL 5nkmn u/L cfjZos ;'wf/sf] nflu
;~rfns ;ldltnfO{ ;'emfj lbg] .
• Ohfhtkq k|fKt ;+:yfsf] jflif{s ljQLo ljj/0fnfO{ ;xL / oyfy{ agfpg Joj:yfkgnfO{ ;xof]u ug]{ .
• u|fxs klxrfg ;DaGwL Joj:yfsf] laZn]if0f u/L pRr kb:y JolQm tyf clGtd lxtflwsf/L nufot hf]lvd auL{s/0f
cg';f/ u|fxs klxrfg / u|fxs :jLsf/ gLlt (Customer Acceptance Policy) th'{df tyf k|efjsf/L ?kdf sfof{Gjog ug]{
u/fpg] .
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL P]g, lgodfjnL, g]kfn /fi6« a}+s åf/f hf/L lgb]{Zfg,
Pjd\ a}+ssf] cfGtl/s gLlt lgodsf] kl/kfngf tyf sfof{Gjog cj:yfsf] af/]df q}dfl;s k|ltj]bg ;~rfns ;ldltdf k]z
ug]{ .
• Joj:yfkgaf6 b]xfo adf]lhdsf] k|ltj]bg÷ljj/0f lnO{ 5nkmn ug]{ / cfjZostf cg';f/ ;~rfns ;ldltnfO{ ;'emfj lbg] .
-!_ AML / CFT sf] hf]lvd Joj:yfkg ;DjGwL k|ltj]bg .
-@_ u|fxs klxrfgsf] cBfjlws l:ylt, u|fxs klxrfg k4lt (CDD) sf] ljj/0f, PEPs sf] ljj/0f / a[xt u|fxs klxrfg
k4lt (ECDD) sf] ljj/0f tyf o;nfO{ l56f], 5l/tf] / ;'rgf k|ljlwsf] k|of]u dfkm{t yk k|efjsf/L agfpg eljiodf
cjnDag ug'{kg]{ gLltut, k|s[ofut / ;+:yfut ;'wf/sf sfo{x?sf] ljj/0f .
-#_ cfGtl/s n]vfk/LIf0f, jf≈o n]vfk/LIf0f / o; a}+ssf] lg/LIf0f k|ltj]bgdf pNn]lvt ;DklQ z'4Ls/0f tyf cft+sjfbL
lqmofsnfkdf ljQLo nufgL ;DaGwL s}lkmotx? pk/ ;dLIff tyf ;f] ;DaGwdf gLltut Pj+d k|lqmofut ;'wf/ ug{' kg]{
kIfx?sf] lj:t[t ljj/0f .
• a}+sn] gofF ;]jf÷;'lawf z'?jft ubf{, k|ljlw (IT System) vl/b ubf{, jfo/ 6«fG;km/ ubf{, O{–a}lsË÷df]afO{n a}lsË
-QR Code ;d]t_, df]afOn jfn]6 dfkm{t /sd /sdfGt/ ubf{ / cGo cgnfO{g÷ckmnfOg dfkm{t x'g] sf/f]af/df lglxt
;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL hf]lvdsf] ljZn]if0f / ;f]sf] Joj:yfkgsf] nflu
gLltut Pj+ k|lqmofut kIfdf ug'{kg]{ cfjZos ;'wf/x?sf] ;DaGwdf lj:t[t ljj/0f k'g/fjnf]sg ug]{ .
• /fli6«o Pj+ cGt/f{li6«o If]qdf ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL ePsf] ljifox?÷36gfx?
/ To;af6 a}+s÷ljQLo ;+:yfnfO{ kg{ ;Sg] c;/x?sf] ljZn]if0f u/L hf]lvd Joj:yfkg ug{ s] s:tf] gLltut Joj:yf ug'{kg]{
xf] ;f] ;DaGwdf cfjZos ;'emfj ;~rfns ;ldlt ;dIf k]z ug]{ .

• sfof{Gjog clwsf/L, ;+:yfsf] r'Qmf k"FhLsf] b'O{ k|ltzt jf ;f] eGbf j9L z]o/ :jfldTj ePsf z]o/wgL, ;~rfns ;ldltsf
;b:ox?, pRr Jo:yfkgnfO{ / AML/CFT sf] sfo{df k|ToIf tyf lgoldt ?kdf ;+nUg x'g] sd{rf/Lx?nfO{ AML/CFT
;DaGwL laifodf pko'Qm 1fg x:tfGt/0f sfo{qmdsf] Joj:yfkg ug]{ .
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL ;DaGwL cfGtl/s gLltut Joj:yf / dfu{bz{gsf] lgoldt
k'g/fjnf]sg u/L ;f]sf] kof{Kttfsf ;DaGwdf ;~rfns ;ldltdf ;'emfj k]z ug]{ .
• AML/CFT k|0ffnLn] k|efjsf/L ?kdf sfd u/]÷gu/]sf], hf]lvdsf] plrt tj/n] Joj:yfkg u/]÷gu/]sf], c:jefljs
ultljlwsf] kof{Kt cg'udg x'g] Joj:yf u/]÷gu/]sf] / cfjZos k|ltj]bgx? ;DalGwt lgsfodf k]z x'g] u/]÷gu/]sf] olsg
u/L ;f] ljifo ;~rfns ;ldltdf ;d]t 5nkmn x'g] Joj:yf ug]{ .
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL lgoGq0f ;DaGwdf ljQLo hfgsf/L OsfO{ / g]kfn /fi6«
a}+sn] tf]s] adf]lhdsf] dfWodjf6 lgoldt ?kdf ;DalGwt lgsfox?df k]z ug'{kg]{ ljj/0f tyf k|ltj]bgx? tf]lsP adf]lhd
k]z u/]÷gu/]sf] ;DaGwdf ;ldltn] ;DklQ z'4Ls/0f -dlg nfpG8l/Ë_ lgjf/0f P]g, @)^$ sf] bkmf $$ s df pNn]lvt
k|fjwfg k|lts'n gx'g] u/L 5nkmn ug]{ .
• ;DklQ z'4Ls/0f tyf cft+sjfbL lqmofsnfkdf ljQLo nufgL lgjf/0f ug{sf nflu ;+:yfn] ;Dkfbg ug{"kg]{ sfo{x?
hf]lvdsf cfwf/df ;Dkfbg x'g]u/L ;+rfns ;ldltaf6 jflif{s jh]6 tyf sfo{qmd to ug'{kg]{ . ;f]sf] k|efjsf/L sfof{Gjog
eP÷gePsf] ;'lglZrt ug]{ ;+oGq tof/ ug]{ tyf lgoldt cg"udg ug]{ lhDd]jf/L ;ldltsf] x'g] .
66
cg';"rL # M ;+:yfut ;+/rgf
Board of Director
Risk Sampati Karmachari Audit

Management Suddhikaran Sewa Suvida Committee
Committee Nivaran Samiti Samiti
Chief Executive
Ofcer - CEO
Company
Secretary
Intregrated Risk
Internal Audit
Management
Departmnet
Ecosystem

Joj:yfksLo ljZn]if0f
ljQLo emnsx?
ljj/0f 2074Œ75 2075Œ76 2076Œ77 2077Œ78 2078Œ79 jflif{s j[l$ CAGR -5 jif{_
s'n shf{ 121,745 150,108 173,742 264,840 268,236 1.28Ì 29.89Ì
s'n lgIf]k 151,219 180,531 210,843 300,252 294,977 -1.76Ì 27.46Ì
s'n ;DklQ 170,943 220,585 250,590 346,148 358,570 3.59Ì 29.28Ì
z]o/wgL sf]È 11,670 14,936 17,242 20,904 24,843 18.85Ì 19.68Ì
s'n ;~rfng cfDbfgL 5,358 9,506 10,683 11,354 13,818 21.69Ì 32.11Ì
;~rfng gfkmf 1,918 4,514 4,435 4,798 5,965 24.32Ì 28.51Ì
v'b gfkmf 1,335 3,023 3,099 3,259 4,215 29.33Ì 23.39Ì
;DklQdf k|ltkmn 0.97 1.56 1.32 1.09 1.20 10.09Ì -6.06Ì
O{lSj6Ldf k|ltkmn 12.09 22.73 19.26 17.09 18.43 7.84Ì 1.82Ì
t/ntf cg'kft 24.45 26.05 27.09 20.65 20.30 -1.69Ì -4.68Ì
k|lt sd{rf/L v'b gfkmf 0.58 0.87 1.07 0.86 0.96 11.74Ì 2.73Ì
k|lt sd{rf/L vr{ 0.78 0.71 1.00 0.88 1.03 16.59Ì 16.41Ì
s'n shf{÷art 86.3 84.55 85.75 87.58 89.85 2.59Ì 1.43Ì
k|lt z]o/ cfDbfgL 16.62 34.22 31.89 28.18 36.45 29.35Ì 9.59Ì
d"No cfDbfgL cg'kft 19.01 13.09 17.34 35.27 19.10 -45.85Ì -0.21Ì
s'n kF"hL kof{Kttf 12.24 13.32 13.5 12.47 13.38 7.27Ì -0.66Ì
Gff]6M CAGR df cf=j= @)&#÷&$ nfO{ cfwf/ jif{ dflgPsf] 5 .
68
s'n shf{
264,840 268,236
173,742
? bz nfv
150,108
121,745
74-75 75-76 76-77 77-78 78-79
s'n shf{ cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM @# k|ltzt, !^ k|ltzt / %@ k|ltzt j[l¢ ePsf]
lyof] . ;dLIff jif{sf] cGTodf a}+ssf] s'n shf{ !=@* k|ltztn] j[l4 x'Fb} ? @^* ca{ @$ s/f]8 k'u]sf] 5 . l/6]n, ;fgf tyf
demf}nf pBd shf{ / ljkGg ju{ shf{df a9f]Q/L xfl;n u/]sf] 5 eg], a}+ssf] nIo cg'?k skf{]/]6 shf{ 36fpb} nu]sf] 5 .
l/6]n, ;fgf tyf dfemf}nf pBd shf{ / ljkGg ju{ shf{ qmdz )=#, $=^ / ! k|ltztn] a9\bf skf{]/]6 shf{ %=^ k|ltztn]
36]sf] 5 .
s'n lgIf]k
300,2 52 294,977
210,843
? bz nfv
180,531
151,219
74-75 75-76 76-77 77-78 78-79
a}+ssf] s'n lgIf]k cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM !( k|ltzt, !& k|ltzt / $@ k|ltztn] j[l¢
ePsf] lyof] . ;dLIff cjlwdf u|fxs ;+Vof ## nfv k'Ubf a}+ssf] s'n lgIf]k !=&^ k|ltztn] sdL x'Fb} ? @($ ca{ (* s/f]8
k'u]sf] 5 . ut jif{ pQm c+s ? #)) ca{ @% s/f]8 /x]sf] lyof] . ;dLIff jif{df a}+ssf] rNtLdf ^$ k|ltzt / d'2tLdf )=&
k|ltzt j[l4 x'Fbf art / sndf s|dz !# / #% k|ltztn] sld cfPsf] 5 .

s'n ;DklQ
346,148 358,570
250,590
? bz nfv
170,943 220,585
74-75 75-76 76-77 77-78 78-79
s'n ;DklQ cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM @( k|ltzt, !$ k|ltzt / #* k|ltzt j[l¢ ePsf]
lyof] . s'n ;DklQ a}+ssf] Joj;fodf x'g] j[l4 cg';f/ a9g] / 36g] u5{ . ;dLIff jif{df a}+ssf] s'n ;DklQ #=%( k|ltztn]
j[l¢ u/L ? #$^ ca{ !% s/f]8 af6 ? #%* ca{ %& s/f]8 k'¥ofpg ;kmn ePsf] 5 . jf;nftdf /x]sf] gub / gub ;dfg,
/fi6« a}+s;+u /x]sf] df}Hbft / cGo Jofkfl/s ;DklQdf b]lvPsf] j[l4sf sf/0f s'n ;DklQ #=%( k|ltztn] j[l4 b]lvPsf] 5 .
z]o/wgL sf]if
24,843
20,904
17,242
14,936
? bz nfv
11,670
74-75 75-76 76-77 77-78 78-79
z]o/wgL sf]if cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM @* k|ltzt / !% k|ltzt / @! k|ltzt j[l¢
ePsf] lyof] . s'n ;DklQ af6 s'n bfloTj 36fpFbf z]o/wgL sf]if u0fgf x'G5 . z]o/wgL sf]ifn] z]o/ k"FhL, z]o/ lk|ldod,
;l~rt d'gfkmf / hu]8f sf]ifnfO{ hgfpF5 . z]o/wgL sf]if ut jif{ ? @) ca{ () s/f]8 /x]sf] lyof] eg], ;dLIff jif{df !*=*%
k|ltztn] j[l¢ x'Fb} ? @$ ca{ *$ s/f]8 k'u]sf] 5 .
70
s'n ;~rfng cfDbfgL
13,818
11,354
10,683
9,506
? bz nfv
5,358
74-75 75-76 76-77 77-78 78-79
s'n ;~rfng cfDbfgL cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM && k|ltzt / !@ k|ltzt / ^ k|ltztn]
j[l¢ ePsf] lyof] . Jofh cfDbfgL, z'Ns tyf sldzg / s/f]af/ cfDbfgL a}+ssf] cfDbfgLsf d'Vo >f]t x'g . a}+sn] ;dLIff jif{df
;~rfng cfDbfgL ? !# ca{ *@ s/f]8 cfh{g ug{ ;kmn ePsf] 5 . ut jif{ pQm c+s ? !! ca{ #% s/f]8 /x]sf] lyof] .
;dLIff jif{df a}+ssf] Jofh cfDbfgL #( k|ltztn] a9\bf Jofh vr{ %) k|ltztn] a9]sf] 5 . v'b Jofh cfDbfgL @@ k|ltztn]
a9]sf] 5 eg] v'b z'Ns tyf sldzg cfDbfgL @% k|ltztn] a9]sf] 5 . ;fy}], cGo ;Grfng cfDbfgL #% k|ltztn] a9]sf] 5 .
t;y{, ;dLIff jif{df a}+ssf] ;~rfng cfDbfgL @!=^( k|ltztn] j[l¢ ePsf] 5 .
;~rfng gfkmf
5,965
4,514 4,435 4,798
? bz nfv
1,918
74-75 75-76 76-77 77-78 78-79
s'n ;~rfng gfkmf cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM !#% k|ltzt j[l¢, @ k|ltzt sdL / *
k|ltzt j[l¢ ePsf] lyof] . ;dLIff jif{df a}+sn] ;~rfng gfkmf ? % ca{ (& s/f]8 cfh{g u/]sf] 5, h'g cl3Nnf] jif{sf] ;~rfng
gfkmf eGbf @$=#@ k|ltztsf] j[l¢ xf] . ;dLIff jif{df s'n ;~rfng cfDbfgL @@ k|ltztn] j[l4 x'Fbf, s'n ;~rfng vr{ eg]
#! k|ltztn] a9]sf] 5 . ;dLIff jif{df sd{rf/L vr{, cGo ;Grfng vr{ / x|f; / kl/zf]wg vr{ qmdz #$ k|ltzt, #)
k|ltzt / & k|ltzt j[l4 ePsf] 5 .

v'b gfkmf
4,215
3,099 3,259
3,023
? bz nfv
1,335
74-75 75-76 76-77 77-78 78-79
v'b gfkmf cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM !@^ k|ltzt j[l4, @ k|ltztn] j[l¢ / % k|ltzt j[l¢
ePsf] lyof] . a}+sn] o; jif{ ? $ ca{ @! s/f]8 v'b gfkmf cfh{g u/]sf] 5 . ut jif{ pQm c+s ? # ca{ @^ s/f]8 /x]sf] lyof] .
;dLIff jif{df s/ cl3sf] d'gfkmfdf @(=)^ k|ltztn] j[l¢ x'Fbf v'b gfkmfdf @(=## k|ltztsf] j[l¢ ePsf] 5 . s/ vr{df eg]
@* k|ltztsf] j[l¢ ePsf] 5 .
;DklQdf k|ltkmn
1.56
1.32
1.20
1.09
0.97
kl|tzt
74-75 75-76 76-77 77-78 78-79
;DklQdf k|ltkmn cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM ^! k|ltzt j[l¢, !% k|ltzt sdL / !&
k|ltzt sdL ePsf] lyof] . ut jif{ !=)( k|ltzt /x]sf] ;DklQdf k|ltkmn o; jif{ !=@) k|ltzt /x]sf] 5 . a}+ssf] s'n ;DklQ
#=%( k|ltztn] j[l¢ x'Fbf, v'b gfkmf @(=## k|ltztn] j[l¢ ePsf] 5, t;y{ ;dLIff jif{df ;DklQdf k|ltkmndf !)=)( k|ltztn]
j[l¢ ePsf]] 5 .
72
O{lSj6Ldf k|ltkmn
22.73
19.26 18.43
17.09
12.09
kl|tzt
74-75 75-76 76-77 77-78 78-79
O{lSj6Ldf k|ltkmn cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM ** k|ltzt j[l¢, !% k|ltzt sdL / !!
k|ltzt sdL ePsf] lyof] . ;dLIff jif{df a}+ssf] O{lSj6Ldf k|ltkmn !*=$# k|ltzt /x]sf] 5, h'g ut jif{ !&=)( k|ltzt
/x]sf] lyof] . v'b gfkmf @( k|ltzt a9\bf, O{lSj6Ldf k|ltkmn ut jif{ eGbf &=*$ k|ltztn] j[l¢ ePsf]] 5 . hu]8f sf]if @&
k|ltzt j[l¢ / ;l~rt d'gfkmfdf !!$ k|ltzt j[l¢ Ù'Fbf s'n z]o/wgL sf]ifdf s'n !( k|ltztn] j[l¢ ePsf] 5 .
t/ntf cg'kft
26.05 27.09
(4.68%) 24.45
20.65 20.30
kl|tzt
74-75 75-76 76-77 77-78 78-79
t/ntf cg'kft cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM & k|ltzt j[l¢, $ k|ltztn] j[l¢ / @$ k|ltzt
sdL ePsf] lyof] . t/n ;DklQ / a}+ssf] 5f]6f] cjlwsf] bfloTj cg'kft g} t/ntf cg'kft xf] . ;dLIff jif{sf] cGTodf a}+ssf]
t/ntf cg'kft @)=#) k|ltzt /x]sf] 5, h;sf] cy{ a}+ssf] t/n ;DklQ 5f]6f] cjlwsf] bfloTj eGbf @)=#) u'0ff a9L /x]sf]
5 . t/ntf cg'kft ut jif{ @)=^% k|ltzt /x]sf] lyof] .

k|lt sd{rf/L v'b gfkmf
1.07
0.96
0.87 0.86
? bz nfv
0.58
74-75 75-76 76-77 77-78 78-79
k|lt sd{rf/L v'b gfkmf cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM %) k|ltzt, @# k|ltzt j[l¢ / @)
k|ltzt sdL ePsf] lyof] . o; cg'kftn] a}+ssf] v'b gfkmf cfh{gdf sd{rf/Lsf] of]ubfgnfO{ k|:t't ub{5 . ;dLIff jif{df k|lt
sd{rf/L v'b gfkmf ? ( nfv ^! xhf/ /x]sf] 5 eg] ut jif{ ? * nfv %( xhf/ /x]sf] lyof], h'g ut jif{sf] t'ngfdf !!=&$
k|ltztn] j[l¢ xf] . v'b gfkmf @( k|ltztn] j[l4 x'Fbf sd{rf/L ;+Vof !^ k|ltztn] j[l4 ePsf] 5 . ut jif{ a}+sdf sd{rf/L
#,&(@ /x]sf lyP eg] o; jif{ $,#*% /x]sf 5g\ .
k|lt sd{rf/L vr{
1.00 1.03
0.88
0.78
0.71
? bz nfv
74-75 75-76 76-77 77-78 78-79
k|lt sd{rf/L vr{ cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM ( k|ltztn] sdL, $! k|ltzt j[l¢ / !@
k|ltztn] sdL ePsf] lyof] . ;dLIff jif{df a}+ssf] k|lt sd{rf/L vr{ ? !) nfv @^ xhf/ /x]sf] 5 eg] ut jif{ ? *=*@ nfv
/x]sf] lyof] . sd{rf/L ;+Vof !^ k|ltztn] j[l4 x'Fbf, sd{rf/L vr{ #$ k|ltztn] j[l4 ePsf] 5 .
74
s'n shf{÷lgIf]k
89.85
87.58
86.3
85.75
84.55
74-75 75-76 76-77 77-78 78-79
s'n shf{÷lgIf]k cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM @ k|ltztn] sdL, ! k|ltzt j[l¢ / @ k|ltzt
j[l¢ ePsf] lyof] . o;n] s'n shf{df artsf] pkof]lutf Pjd\ ;|f]tsf] kl/rfng hgfpFb5 . a}+ssf] s'n shf{ lgIf]k cg'kft
*(=*% k|ltzt /x]sf] 5 . pQm cg'kftn] s'n ?= !)) lgIf]kdf ?= *(=*% shf{df pkof]u ePsf] hgfpFb5 . ut jif{ s'n
shf{ lgIf]k cg'kft *&=%* k|ltzt /x]sf] lyof] eg] ;dLIff jif{df pQm cg'kft @=%( k|ltztn] j[l¢ ePsf] 5 .
k|lt z]o/ cfDbfgL

34.22 36.45
31.89
28.18
16.62
?
74-75 75-76 76-77 77-78 78-79
k|lt z]o/ cfDbfgL cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM !)^ k|ltztn] j[l¢, & k|ltzt sdL / !@
k|ltzt sdL ePsf] lyof] . v'b gfkmf / z]o/ ;+Vofsf] cg'kftnfO{ k|lt z]o/ cfDbfgL elgG5 . ut jif{ k|lt z]o/ cfDbfgL
? @*=!* /x]sf] lyof] eg] o; jif{ @(=#% k|ltztn] j[l¢ x'Fb} ? #^=$% cfh{g ug{ ;kmn ePsf] 5 . v'b d'gfkmf @( k|ltzt
j[l¢ x'Fbf / z]o/ ;+Vof o]yfjt x'Fbf k|lt z]o/ cfDbfgLdf @( k|ltztn] j[l¢ ePsf]] 5 .

d"No cfDbfgL cg'kft
35.27
19.01 17.34 19.10

13.09
74-75 75-76 76-77 77-78 78-79
d"No cfDbfgL cg'kft cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM #! k|ltzt sdL, #@ k|ltztn] j[l¢ / !)#
k|ltzt j[l¢ ePsf] lyof] . ahf/ d"No / k|lt z]o/ cfDbfgLsf] cg'kft d"No cfDbfgL cg'kft xf] . o; cg'kftn] lwtf]kqdf
;"rLs[t z]o/sf] sf/f]jf/ d"No / k|lt z]o/ cfDbfgLsf] cg'kft k|:t't ub{5 . ;dLIff jif{df d"No cfDbfgL cg'kft !(=!) /x]sf]
5, ut jif{ pQm cg'kft #%=@& /x]sf] lyof] . z]o/ ahf/df ePsf] sdL / k|lt z]o/ cfDbfgL cfPsf] j[l¢n] d"No cfDbfgL
cg'kft ut jif{sf] t'nfgfdf $^ k|ltztsf] sdL b]lvPsf] xf] .
kF"hL kof{Kttf cg'kft
13.50
13.32 13.38
kl|tzt
12.47
12.24
74-75 75-76 76-77 77-78 78-79
k"FhL kof{Kttf cg'kft cfly{s jif{ @)&%÷&^, @)&^÷&& / @)&&÷&* df qmdzM ( k|ltzt j[l¢, ! k|ltzt j[l¢ / * k|ltzt
sdL ePsf] lyof] . a}+ssf] kF"hL / Joj;fo hf]lvdsf] cg'kftnfO{ s'n kF"hL kof{Kttf elgG5 . >L g]kfn /fi6« a}+ssf] Joj:yf
cg';f/ a}+ssf] kF"hL kof{Kttf cg'kft Go"gtd !! k|ltzt x'g'kg{] k|fjwfg /x]sf] 5 . ;dLIff jif{df a}+ssf] kF"hL kof{Kttf cg'kft
!#=#* k|ltzt /x]sf] 5, h'g >L g]kfn /fi6« a}+ssf] lgodsf/L k|fjwfg eGbf @=#* ljGb'n] a9L /x]sf] 5 . ut jif{ pQm cg'kft
!@=$& k|ltzt /x]sf] lyof] .
76
Horizontal and Vertical ljZn]if0f (Analysis)
ljQLo cj:yfsf] ljj/0f

/sd ? bz nfvdf
ljj/0f c;f/ d;fGt Horizontal Analysis Vertical Analysis
Variance Variance -c;f/ d;fGt_
@)&( @)&* @)&* – @)&( @)&( @)&*
;DklQ
gub tyf gub ;dfg 27,813 23,903 16.36Ì 7.76Ì 6.91Ì
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 12,654 9,073 39.48Ì 3.53Ì 2.62Ì
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft - - 0.00Ì 0.00Ì 0.00Ì
Jo'TkGg ljQLo pks/0f - 5,359 -100.00Ì 0.00Ì 1.55Ì
cGo Jofkfl/s ;DklQ 163 12 1279.85Ì 0.05Ì 0.00Ì
ljQLo ;+:yfnfO{ shf{ ;fk6L 14,099 14,289 -1.33Ì 3.93Ì 4.13Ì
u|fxsnfO{ shf{ ;fk6L 252,448 248,770 1.48Ì 70.40Ì 71.87Ì
nufgL ;'/If0fkq 39,048 33,294 17.28Ì 10.89Ì 9.62Ì
rfn' s/ ;DklQ 141 297 - 0.04Ì 0.09Ì
;xfos sDkgLdf nufgL 1,265 1,265 0.00Ì 0.35Ì 0.37Ì
;Da4 sDkgLdf nufgL - - - 0.00Ì 0.00Ì
nufgL ;DklQ 723 1,275 -43.35Ì 0.20Ì 0.37Ì
;DklQ tyf pks/0f 3,093 3,038 1.81Ì 0.86Ì 0.88Ì
VoftL tyf cd"t{ ;DklQ 133 92 44.90Ì 0.04Ì 0.03Ì
:yug s/ ;DklQ - - 0.00Ì 0.00Ì
cGo ;DklQ 6,990 5,480 27.54Ì 1.95Ì 1.58Ì
hDdf ;DklQ 358,570 346,148 3=59’ 100=00’ 100=00’
bfloTj
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 6,754 13,329 -49.33Ì 1.88Ì 3.85Ì
g]kfn /fi6« a}+snfO{ ltg{ afFsL 19,728 3,239 0.00Ì 5.50Ì 0.94Ì
Jo'TkGg ljQLo pks/0f - 5,338 -100.00Ì 0.00Ì 1.54Ì
u|fxsaf6 lgIf]k 289,904 287,025 1.00Ì 80.85Ì 82.92Ì
;fk6L (Borrowing) - - - - -
rfn' s/ bfloTj - - - - -
Joj:yf - - - - -
:yug s/ bfloTj 268 460 -41.73Ì 0.07Ì 0.13Ì
cGo bfloTj 6,347 4,884 29.94Ì 1.77Ì 1.41Ì
hf/L ul/Psf] C0fkq 10,726 10,969 -2.22Ì 2.99Ì 3.17Ì
;xfos cfjlws bfloTj - - - - -
hDdf bfloTj 333,727 325,244 2=61’ 93=07’ 93=96’
O{lSj6L - - - - -
z]o/ k"FhL 11,564 11,564 0.00Ì 3.23Ì 3.34Ì
z]o/ lk|ldod - - - - -
;+lrt d'gfkmf 3,427 1,600 114.25Ì 0.96Ì 0.46Ì
hu]8f sf]if 9,852 7,740 27.29Ì 2.75Ì 2.24Ì
hDdf O{lSj6L 24,843 20,904 18=85’ 6=93’ 6=04’
hDdf bfloTj / O{lSj6L 358,570 346,148 3=59’ 100=00’ 100=00’

cf= j= @)&*÷&( df a}+ssf] jf;nft cfsf/ ? #$^=!% df hDdf ;DklQdf u|fxsnfO{ shf{ ;fk6Lsf]
Vertical Analysis
ca{af6 ? #%*=%& ca{ k'u]sf] 5 . a}+ssf] ;dLIff jif{df of]ubfg &!=*& k|ltztaf6 &)=$) k|ltzt ePsf] 5 .
jf;nft cfsf/ #=%( k|ltztn] j[l¢ ePsf] 5 . jf;nftdf hDdf ;DklQdf nufgL ;'/If0f kqsf] lx:;f !)=*( k|ltzt
u|fxsnfO{ k|jfx ul/Psf] shf{ ;fk6L !=$* k|ltztn] j[l¢ /x]sf] 5 eg] ljQLo ;+:yfnfO{ shf{ ;fk6Lsf] #=(# k|ltzt
x'Fbf u|fxsaf6 ;+sng ul/Psf] lgIf]k ! k|ltztn] j[l¢ ePsf] /x]sf] 5 . ut jif{ pQm cg'kft qmdz (=^@ k|ltzt / $=!#
5 . a}+ssf] hDdf bfloTj @=^! k|ltztn] j[l¢ ePsf] 5 eg] k|ltzt /x]sf] lyof] . Vertical Analysis bfloTjdf u|fxsaf6
hDdf O{lSj6L !*=*% k|ltztn] j[l¢ ePsf] 5 . a}+ssf] ;+lrt ;+sng ul/Psf] lgIf]kdf o; jif{ *)=*% k|ltzt /x]sf] 5
d'gfkmfdf !!$=@% k|ltztn] / hu]8f sf]ifdf @&=@( eg] ut jif{ *@=(@ k|ltzt /x]sf] lyof] . hDdf bfloTj /
k|ltztn] j[l¢ ePsf] 5 . a}+sn] ;DklQ tyf pks/0fdf !=*! O{lSj6Ldf bfloTjsf] lx:;f (#=)& k|ltzt /x]sf] 5 eg]
k|ltztn] j[l¢, ;DklQdf nufgL $#=#% k|ltztn] sdL / O{lSj6Lsf] ^=(# k|ltzt /x]sf] 5 . ut jif{ pQm c+s qmdz
;'/If0fkq nuflgdf !&=@* k|ltztn] j[l¢ ubf{ hDdf (#=(^ k|ltzt / ^=)$ k|ltzt /x]sf] lyof] .
;DklQdf #=%( k|ltztn] j[l¢ xfl;n ug{ ;kmn ePsf] 5 .
78
gfkmf cyjf 3f6fsf] ljj/0f
/sd ? bz nfvdf
ljj/0f c;f/ d;fGt Horizontal Analysis Vertical Analysis
Variance Variance -c;f/ d;fGt_
@)&( @)&* @)&* – @)&( @)&( @)&*
Jofh cfDbfgL 32,772 23,562 39.09Ì 100.00Ì 100.00Ì
Jofh vr{ 21,482 14,335 49.86Ì 65.55Ì 60.84Ì
v'b Jofh cfDbfgL 11,290 9,228 22=35’ 34=45’ 39=16’
z'Ns tyf sldzg cfDbfgL 2,370 1,841 28.74Ì 7.23Ì 7.81Ì
z'Ns tyf sldzg vr{ 347 217 60.02Ì 1.06Ì 0.92Ì
v'b z'Ns / sldzg cfDbfgL 2,023 1,624 24=56’ 6=17’ 6=89’
v'b Jofh, z'Ns / sldzg cfDbfgL 13,312 10,851 22=68’ 40=62’ 46=05’
v'b sf/f]af/ cfDbfgL 201 278 -27.67Ì 0.61Ì 1.18Ì
cGo ;~rfng cfDbfgL 304 225 35.12Ì 0.93Ì 0.96Ì
s'n ;~rfng cfDbfgL 13,818 11,354 21=69’ 42=16’ 48=19’
C0f / cGo gf]S;fgsf] nflu Ifo÷-lkmtf{_ 865 1,226 -29.40Ì 2.64Ì 5.20Ì
v'b ;~rfng cfDbfgL 12,952 10,129 27.88Ì 39.52Ì 42.99Ì
;~rfng vr{ - - - - -
sd{rf/L vr{ 4,501 3,348 34.43Ì 13.73Ì 14.21Ì
cGo ;~rfng vr{ 2,102 1,614 30.17Ì 6.41Ì 6.85Ì
x|f;s§L / kl/zf]wg 385 368 4.50Ì 1.17Ì 1.56Ì
;~rfng gfkmf 5,965 4,798 24=32’ 18=20’ 20=36’
u}/ ;~rfng cfDbfgL 62 6 908.02Ì 0.19Ì 0.03Ì
u}/ ;~rfng vr{ 31 158 -80.36Ì 0.09Ì 0.67Ì
cfos/ cl3sf] gfkmf 5,996 4,646 29=06’ 18=30’ 19=72’
cfos/ vr{
rfn' s/ 1,793 1,389 29.13Ì 5.47Ì 5.89Ì
:yug s/ 12 1 719.05Ì -0.04Ì -0.01Ì
v'b gfkmf 4,215 3,259 29=33’ 12=86’ 13=83’
k|lt z]o/ cfDbfgL 36=45 28=18
a}+sn] ;dLIff jif{df ? $ ca{ @! s/f]8 v'b gfkmf sdfpg Vertical Analysis df Jofh cfDbfgLnfO{ !)) k|ltzt /fVbf,
;kmn ePsf] 5 . o; jif{sf] v'b gfkmf a}+ssf] ut jif{sf] ;dLIff jif{sf] v'b gfkmf !@=*^ k|ltzt /x]sf] 5 . ut jif{sf]
t'nfgfdf @(=## k|ltztsf] j[l¢ xf] . a}+sn] Jofh cfDbfgLdf pQm cg'kft !#=*# k|ltzt /x]sf] lyof] . ;dLIff jif{df
#(=)( k|ltztn] j[l¢ ubf{ Jofh vr{ $(=*^ k|ltztn] j[l¢ ;~rfng gfkmf Jofh cfDbfgLsf] !*=@) k|ltzt /xFbf ut
ePsf] 5 . ;dLIff jif{df a}+ssf] v'b Jofh cfDbfgL @@=#% jif{ @)=#^ k|ltzt /x]sf] lyof] .
k|ltztn] j[l¢ ug{ ;kmn ePsf] 5 . ;fy}, a}+ssf] v'b z'Ns
/ sldzg cfDbfgL @$=%^ k|ltztn] j[l¢ ePsf] 5 . s'n
;~rfng cfDbfgL / v'b ;~rfng cfDbfgL qmdz @!=^(
k|ltzt / @&=** k|ltztn] j[l¢ ePsf] 5 eg] ;~rfng
gfkmf ut jif{ eGbf @$=#@ k|ltztn] j[l¢ /x]sf] 5 . a}+ssf]
k|lt z]o/ cfDbfgL ? #^=$% ePsf]] 5 eg] ut jif{ pQm
cfDbfgL ? @*=!* /x]sf] lyof] .

q}dfl;s ljQLo ljj/0fsf] ljZn]if0f
ljQLo cj:yfsf] ljj/0f
-n]vfk/LIf0f gul/Psf]_
/sd ? bz nfvdf
ljj/0f k|yd q}df; bf];|f] q}df; t];|f] q}df; rf}yf] q}df;
;DklQ
gub tyf gub ;dfg 35,798.49 18,986.86 9,788.28 27,813.32
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 17,854.28 8,255.72 9,380.48 12,654.49
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft - - - -
Jo'TkGg ljQLo pks/0f 4,412.98 1,412.73 587.00 -
cGo Jofkfl/s ;DklQ 9.50 6.84 5.70 162.82
ljQLo ;+:yfnfO{ shf{ ;fk6L 12,162.80 10,586.37 16,644.06 14,099.44
u|fxsnfO{ shf{ ;fk6L 264,337.12 261,923.03 257,679.19 252,448.48
nufgL ;'/If0fkq 29,399.96 33,513.06 46,474.45 39,048.16
rfn' s/ ;DklQ - - - 140.56
;xfos sDkgLdf nufgL 1,264.50 1,264.50 1,264.50 1,264.50
;Da4 sDkgLdf nufgL - - - -
nufgL ;DklQ 1,243.23 1,241.13 982.89 722.53
;DklQ tyf pks/0f 3,009.13 2,959.61 2,975.60 3,093.07
VoftL tyf cd"t{ ;DklQ 83.89 88.69 113.10 132.65
:yug s/ ;DklQ - - - -
cGo ;DklQ 4,949.40 4,278.15 4,350.50 6,989.81
hDdf ;DklQ 374,525=29 344,516=69 350,245=76 358,569=84
bfloTj
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 34,364.75 4,572.81 6,871.32 6,754.20
g]kfn /fi6« a}+snfO{ ltg{ afFsL 19,476.08 5,388.25 7,227.76 19,727.76
Jo'TkGg ljQLo pks/0f 4,442.76 1,369.54 588.22 -
u|fxsaf6 lgIf]k 278,281.33 294,940.87 296,176.17 289,903.96
;fk6L (Borrowing) - - - -
rfn' s/ bfloTj 207.05 187.10 220.61 -
Joj:yf - - - -
:yug s/ bfloTj 406.73 380.90 285.81 267.77
cGo bfloTj 4,599.91 3,521.05 3,773.99 6,346.64
hf/L ul/Psf] C0fkq 10,786.57 11,041.29 10,804.39 10,726.36
;xfos cfjlws bfloTj - - - -
hDdf bfloTj 352,565=19 321,401=80 325,948=28 333,726=69
O{lSj6L
z]o/ k"FhL 11,564.01 11,564.01 11,564.01 11,564.01
z]o/ lk|ldod - - - -
;+lrt d'gfkmf 2,148.03 2,782.89 2,984.12 3,427.07
hu]8f sf]if 8,248.07 8,767.99 9,749.36 9,852.07
hDdf O{lSj6L 21,960=11 23,114=89 24,297=48 24,843=15
hDdf bfloTj / O{lSj6L 374,525=29 344,516=69 350,245=76 358,569=84
80
gfkmf cyjf 3f6fsf] ljj/0f
-n]vfk/LIf0f gul/Psf]_
/sd ? bz nfvdf
ljj/0f k|yd q}df; bf];|f] q}df; t];|f] q}df; rf}yf] q}df;
Jofh cfDbfgL 7,302.00 7,728.49 8,526.43 9,214.99
Jofh vr{ 4,519.51 5,269.31 5,509.66 6,183.83
v'b Jofh cfDbfgL 2,782=49 2,459=18 3,016=77 3,031=16
z'Ns tyf sldzg cfDbfgL 557.70 430.09 546.83 835.03
z'Ns tyf sldzg vr{ 97.26 34.17 109.30 106.34
v'b z'Ns / sldzg cfDbfgL 460=44 395=92 437=53 728=69
v'b Jofh, z'Ns / sldzg cfDbfgL 3,242=93 2,855=10 3,454=30 3,759=85
v'b sf/f]af/ cfDbfgL 72.30 75.28 14.41 38.93
cGo ;~rfng cfDbfgL 201.10 32.18 86.69 15.56
s'n ;~rfng cfDbfgL 3,516=34 2,962=56 3,555=39 3,783=23
C0f / cGo gf]S;fgsf] nflu Ifo÷-lkmtf{_ 397.01 54.95 159.84 363.35
v'b ;~rfng cfDbfgL 3,119=32 3,017=51 3,395=55 3,419=87
;~rfng vr{
sd{rf/L vr{ 959.24 907.75 1,070.55 1,563.22
cGo ;~rfng vr{ 383.44 271.63 538.37 908.11
x|f;s§L / kl/zf]wg 100.92 3.31 93.79 96.70
;~rfng gfkmf 1,675=73 1,744=82 1,692=85 851=85
u}/ ;~rfng cfDbfgL 10.97 - 25.06 26.00
u}/ ;~rfng vr{ - - - 31.07
cfos/ cl3sf] gfkmf 1,686=70 1,744=82 1,717=90 846=78
cfos/ vr{
rfn' s/ 506.01 523.45 515.37 248.45
:yug s/ - - - 12.00
v'b gfkmf 1,180=69 1,221=37 1,202=53 610=33
k|lt z]o/ cfDbfgL -?_ 39=65 41=43 41=94 39=13
rf}yf] q}df;sf] tYofÍ n]vfk/LIf0f ul/Psf] k|ltj]bgaf6 lnPsf]
ljQLo ultljwLdf ;':ttf, Jojf;odf cfPsf] sdL h:tf a}s + n] v'b Aofh cfDbfgLdf lg/Gt/ j[l4 u/]sf] b]lvG5 . klxnf]
k|lts'n kl/l:ytLsf afah'b cfly{s jif{df a}+ssf] k|bz{g eg] q}df;df ? @=&* ca{ v'b Aofh cfDbfgL cfh{g u/sf] a}s + n]
;Gtf]ifhgs /x]sf] lyof] . shf{sf] cToflws dfusf] t'ngfdf rf}yf] q}df;df ? #=)# ca{ cfDbfgL cfh{g u/]sf] lyof] . v'b
lgIf]ksf] j[l4 cg'kft sd x'Fbf shf{ lgIf]k cg'kftdf z'Ns tyf sldzg cfDbfgL klxnf] q}df;df ? $^=)$ s/f]8
c;Gt'ng eO{ t/ntfdf ;+s'rg cfPsf] / nfufgLof]Uo x'bF f rf}yf] q}df;sf] cGTodf ? &@=*& s/f]8 k'us ] f] lyof] .
/sdsf] cefjsf] cj:yfdf a}+s tyf ljQLo ;+:yf u'lh|/x]sf] a}s + sf] s'n ;~rfng cfDbfgL klxnf] q}df;df #=% ca{ k'us ] f]
lyof] . o:tf] cj:yfdf k"j{ o'/f]kdf ;'? ePsf] o'4n] t]n, vfB lyof] eg] rf}yf] q}df;df #=&* ca{ dfly /x]sf] lyof] . v'b
kbfy{ tyf cGo cf}Bf]lus sRrf kbfy{df cToflws d'Noa[l4n] ;~rfng cfDbfgLdf eg] a}s + n] x/]s q}df;df # ca{ kf/ u/]sf]
ljZj cy{tGqdf cfly{s dGbLsf] cj:yf x'Fbf ;'Id cy{tGqnfO{ lyof] . klxnf] q}df;df v'b ;~rfng cfDbfgL ? #=!@ ca{ x'bF f
;Gt'ngdf /fVg s]G›Lo a}+saf6 cfoft k|ltaGw tyf a}+s tyf rf}yf] q}df;df ? #=$@ ;Dd k'us ] f] lyof] . klxnf] q}df;df s'n
ljQLo ;+:yfsf] shf{ lj:tf/ /f]Sg] gLlt lnO{Psf] lyof] . pQm ;~rfng vr{{ ? !=$$ ca{ lyof] eg], bf];f| ] / t];f| ] q}df;df
gLlt tbg';f/ g} a}+sn] shf{ lj:tf/ /f]Sbf, q}dfl;s ljj/0fdf qmdzM ? !=@& ca{ / ? !=&) ca{ lyof] . rf}yf] q}df;df a}s + sf]
shf{ /sd lg/Gt/ sd ePsf] b]lvG5 . t;y{, a}+ssf] jf;nft s'n ;~rfng vr{ ? @=%& ca{ /x]sf] lyof] . u}/ ;~rfng vr{
cfsf/ klxnf] b]lv bf];|f] q}df;df sd ePsf] b]lvG5 . ? #=!! s/f]8 ePsf] x'bF f rf}yf] q}df;sf] v'b gfkmf ? ^! s/f]8
;'/If0fkq nufgLdf j[l4 / ljlQo ;+:yfnfO{ shf{ ;fk6L a9\bf dfq ePsf] lyof] . sd{rf/Lsf] kbf]Gglt tyf k|fT] ;fxg, sfof{no
jf;nft cfsf/ t];|f] q}df;df j[l4 ePsf] b]lvG5 . a}+ssf] ;~rfng vr{, h:tf ultlalwn] ;~rfng vr{ j[l4 ePsf] lyof] .
gub / gub ;dfg j[l4sf sf/0f rf}yf] q}df;sf] cGTodf
jf;nftsf] cfsf/ ? # ca{ %( s/f]8 k'u]sf] lyof] .

;fdflhs pQ/bfloTjsf] emnsx?
;}lgs cfjf;Lo ljBfno, s}nfnLdf jftfj/0f ;+/If0fsf nflu j[Iff/f]k0f sfo{qmd
a}+sn] ljQLo ;fIf/tfsf nflu cfof]hgf u/]sf] sfo{qmd
g]kfn cfdL{ b'uf{ bn u'NdnfO{{ :jR5 vfg]kfgLsf] kx'Frdf d2t ug{ jf6/ Ko'/LmfO/ pknAw u/fPsf]
82
;Lkdf cfwfl/t tflnd ;~rfng ug{ ljsf;df dlxnf (Women in Development) nfO{ cfly{s ;xof]u
/f]6/L Sna ckm sf7df08f} sn°LnfO{ ;8s lsgf/fsf af]6 la?jf ;+/If0fsf nflu cfly{s ;xof]u
cfunfuL kLl8tnfO{ ;xof]usf nflu 5fofFgfy ufpFkflnsfnfO{ ljQLo cg'bfg

Pg cfO{ ;L Plzof a}+ssf]
PsLs[t ljQLo ljj/0f
86
88
90
ljQLo cj:yfsf] PsLs[t ljj/0f
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_
/sd ?=
;d"x a}+s
ljj/0f gf]6
o; jif{ ut jif{ o; jif{ ut jif{
;DklQ
gub tyf gub ;dfg 4.1 32,261,050,040 28,266,984,006 27,813,319,163 23,902,662,784
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 4.2 12,654,486,629 9,072,897,671 12,654,486,629 9,072,897,671
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 4.3 - - - -
Jo'TkGg ljQLo pks/0f 4.4 - 5,359,380,480 - 5,359,380,480
cGo Jofkfl/s ;DklQ 4.5 163,830,492 12,815,074 162,822,000 11,800,000
ljQLo ;+:yfnfO{ shf{ ;fk6L 4.6 10,849,444,435 10,053,956,892 14,099,444,435 14,289,456,892
u|fxsnfO{ shf{ ;fk6L 4.7 274,295,834,155 265,072,547,940 252,448,483,250 248,770,354,077
nufgL ;'/If0fkq 4.8 39,487,911,599 33,739,079,470 39,048,156,820 33,293,725,162
rfn' s/ ;DklQ 4.9 135,460,759 296,218,884 140,559,743 297,107,341
;xfos sDkgLdf nufgL 4.10 - - 1,264,500,000 1,264,500,000
;Da4 sDkgLdf nufgL 4.11 - - - -
nufgL ;DklQ 4.12 722,531,322 1,275,463,444 722,531,322 1,275,463,444
;DklQ tyf pks/0f 4.13 3,235,120,746 3,170,873,551 3,093,072,139 3,038,162,554
VoftL tyf cd"t{ ;DklQ 4.14 138,184,862 99,156,836 132,654,932 91,548,342
:yug s/ ;DklQ 4.15 - - - -
cGo ;DklQ 4.16 7,107,929,446 5,556,048,230 6,989,807,914 5,480,462,976
hDdf ;DklQ 381,051,784,485 361,975,422,478 358,569,838,348 346,147,521,722
;d"x a}+s
ljj/0f gf]6
bfloTj
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 4.17 22,582,318,666 24,340,920,818 6,754,201,873 13,329,472,380
g]kfn /fi6« a}+snfO{ ltg{ afFsL 4.18 19,727,764,978 3,238,618,707 19,727,764,978 3,238,618,707
Jo'TkGg ljQLo pks/0f 4.19 - 5,337,920,000 - 5,337,920,000
u|fxsaf6 lgIf]k 4.20 292,756,561,319 289,497,923,428 289,903,959,721 287,024,798,908
;fk6L (Borrowing) 4.21 - - - -
rfn' s/ bfloTj 4.9 - - - -
Joj:yf 4.22 - - - -
:yug s/ bfloTj 4.15 258,050,209 449,707,043 267,765,003 459,535,668
cGo bfloTj 4.23 7,866,737,706 5,585,933,170 6,346,643,319 4,884,182,481
hf/L ul/Psf] C0fkq 4.24 10,726,356,675 10,969,374,120 10,726,356,675 10,969,374,120
;xfos cfjlws bfloTj 4.25 - - - -
hDdf bfloTj 353,917,789,553 339,420,397,285 333,726,691,569 325,243,902,264
afFsL csf]{ k[i7df===

===cl3Nnf] k[i7df lg/Gt/
ljQLo cj:yfsf] PsLs[t ljj/0f
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_
/sd ?=
;d"x a}+s
ljj/0f gf]6
O{lSj6L
z]o/ k"FhL 4.26 11,564,005,366 11,564,005,366 11,564,005,366 11,564,005,366
;+lrt d'gfkmf 4,122,569,563 1,935,127,957 3,427,074,085 1,599,552,618
hu]8f sf]if 4.27 10,117,196,393 7,967,784,555 9,852,067,328 7,740,061,474
O{lSj6L wf/snfO{ ljt/0f of]Uo O{lSj6L 25,803,771,322 21,466,917,878 24,843,146,779 20,903,619,458
u}/ lgolGqt :jfy{ 1,330,223,610 1,088,107,315 - -
hDdf O{lSj6L 27,133,994,932 22,555,025,193 24,843,146,779 20,903,619,458
hDdf bfloTj / O{lSj6L 381,051,784,485 361,975,422,478 358,569,838,348 346,147,521,722
;Defljt bfloTj / k|lta4tf 4.28 9,102,642,434 26,500,306,932 9,102,642,434 26,500,306,932
k|lt z]o/ v'b ;DklQ d"No 234.64 195.05 214.83 180.76
?k]z n'O{+6]n /f]zg s'df/ Gof}kfg] lqnf]s rGb cu|jfn /fdrGb| ;+3O{ cflbTo s'df/ cu|jfn pk/f]Qm ldltdf k|ltj]bgdf pNn]lvt
k|d'v ljQLo clws[t k|d'v sfo{sf/L clws[t ;~rfns ;~rfns ;~rfns /d]z s'df/ lwtfn, P˚=l;=P=
kf6{g/
u0f]z dfg >]i7 ljhof :jf/ s]zjk|;fb nD;fn t'n;L/fd cu|jfn P;= P= cf/ P;f]l;P6\;
;~rfns ;~rfns ;~rfns cWoIf rf6{8{ PsfpG6]G6\;\
:yfgM sf7df8f}+
ldltM k'; )%, @)&(
92
gfkmf gf]S;fgsf] PsLs[t ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
;d"x a}+s
ljj/0f gf]6
Jofh cfDbfgL 4.29 35,865,760,928 25,077,554,979 32,771,914,410 23,562,128,326
Jofh vr{ 4.30 23,016,335,109 14,765,048,836 21,482,312,140 14,334,625,495
v'b Jofh cfDbfgL 12,849,425,818 10,312,506,143 11,289,602,271 9,227,502,831
z'Ns tyf sldzg cfDbfgL 4.31 2,867,730,249 2,250,733,449 2,369,651,129 1,840,704,124
z'Ns tyf sldzg vr{ 4.32 382,679,346 256,155,701 347,075,989 216,898,083
v'b z'Ns / sldzg cfDbfgL 2,485,050,903 1,994,577,748 2,022,575,140 1,623,806,040
v'b Jofh, z'Ns / sldzg cfDbfgL 15,334,476,722 12,307,083,891 13,312,177,410 10,851,308,871
v'b sf/f]af/ cfDbfgL 4.33 201,142,977 326,917,132 200,929,858 277,780,325
cGo ;~rfng cfDbfgL 4.34 310,702,222 232,725,226 304,409,423 225,284,985
s'n ;~rfng cfDbfgL 15,846,321,920 12,866,726,249 13,817,516,691 11,354,374,181
C0f / cGo gf]S;fgsf] nflu Ôo÷-lkmtf{_ 4.35 957,561,945 1,385,152,454 865,260,404 1,225,624,047
v'b ;~rfng cfDbfgL 14,888,759,976 11,481,573,795 12,952,256,287 10,128,750,134
;~rfng vr{
sd{rf/L vr{ 4.36 5,091,632,415 3,705,582,648 4,500,746,350 3,347,937,058
cGo ;~rfng vr{ 4.37 2,389,216,070 1,746,637,856 2,101,543,675 1,614,432,594
x|f;s§L / kl/zf]wg 4.38 427,663,339 394,907,445 384,717,432 368,151,770
;~rfng gfkmf 6,980,248,152 5,634,445,847 5,965,248,830 4,798,228,712
u}/ ;~rfng cfDbfgL 4.39 62,242,193 6,153,213 62,025,869 6,153,213
u}/ ;~rfng vr{ 4.40 31,071,210 158,216,336 31,071,210 158,216,336
cfos/ cl3sf] gfkmf 7,011,419,135 5,482,382,724 5,996,203,489 4,646,165,589
cfos/ vr{ 4.41
rfn' s/ 2,097,744,074 1,629,901,585 1,793,277,862 1,388,696,402
:yug s/ 11,887,494 14,022,922 (12,001,324) (1,465,280)

o; cf=j= sf] gfkmf 4,925,562,555 3,838,458,217 4,214,926,951 3,258,934,467
v'b gfkmf÷-gf]S;fg_df lx:;f

a}+ssf O{lSj6Lwf/s 4,678,122,917 3,639,703,043 4,214,926,951 3,258,934,467
u}/ lgolGqt :jfy{ 247,439,638 198,755,174 - -
o; cf=j= sf] gfkmf 4,925,562,555 3,838,458,217 4,214,926,951 3,258,934,467
k|lt z]o/ cfDbfgL

cfwf/e"t k|lt z]o/ cfDbfgL (BEPS) 42.59 33.19 36.45 28.18
8fOn'6]8 k|lt z]o/ cfDbfgL (DEPS) 42.59 33.19 36.45 28.18
;dfof]lht k|lt z]o/ cfDbfgL 42.59 33.19 36.45 28.18
kf6{g/
:yfgM sf7df8f}+
ldltM k'; )%, @)&(

cGo lj:t[t cfDbfgLsf] PsLs[t ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
;d"x a}+s
ljj/0f gf]6
o; jif{sf] gfkmf 4,925,562,555 3,838,458,217 4,214,926,951 3,258,934,467
cfos/ kl5sf] cGo lj:t[t cfDbfgL

c= gfkmf jf gf]S;fgdf k'gj{lu{s/0f gul/g] lzÈ{s
Fair Value df dfkg ubf{ O{lSj6L pks/0fsf] nufgLdf (334,919,096) 733,239,184 (334,919,096) 733,239,184
gfkmf÷-gf]S;fg_
k'gM d"Nof°g ubf{ v'b gfkmf÷-gf]S;fg_ - - - -
kl/eflift nfe of]hgfdf ePsf] ljdflÍs gfkmf÷-gf]S;fg_ (30,723,319) 42,219,601 (30,723,319) 42,219,601
dfyL pNNn]lvt lzif{sx?sf] cfos/ 109,692,724 (232,637,635) 109,692,724 (232,637,635)

gfkmf tyf gf]S;fgsf nflu k'gj{lu{s/0f gul/g] cGo (255,949,690) 542,821,149 (255,949,690) 542,821,149
lj:t[t cfDbfgL -v'b_

cf= gfkmf tyf gf]S;fgsf nflu k'gj{lu{s/0f ug{ ;Sg]
cGo lj:t[t cfDbfgL
gub k|jfx x]hdf gfkmf÷-gf]S;fg_ - - - -
ljlgdo gfkmf÷-gf]S;fg_ -cGt/f{li6«o Operation sf] - - - -

ljQLo ;DklQ ?kfGt/0f ubf{_
dfyL pNNn]lvt lzif{sx?sf] cfos/ - - - -
gfkmf cyjf gf]S;fgsf nflu k'gj{lu{s/0f - - - -
gfkmf cyjf gf]S;fgdf nflu k'gj{lu{s/0f x'g ;Sg] cGo - - - -

lj:t[t v'b cfDbfgL
O= O{lSj6L ljlwaf6 n]vf°g ul/Psf ;Da4 ;+:yfsf] lx:;f - - - -
cfos/ kl5sf] cGo lj:t[t cfDbfgL (255,949,690) 542,821,149 (255,949,690) 542,821,149
s'n lj:t[t cfDbfgL 4,669,612,864 4,381,279,367 3,958,977,261 3,801,755,617
a}+ssf] O{lSj6Lwf/s 4,422,173,226 4,182,524,192 3,958,977,261 3,801,755,617
u}/ lgolGqt :jfy{ 247,439,638 198,755,174 - -
s'n lj:t[t cfDbfgL 4,669,612,864 4,381,279,367 3,958,977,261 3,801,755,617
kf6{g/
:yfgM sf7df8f}+
ldltM k'; )%, @)&(
94
;d"x
O{lSj6Ldf kl/jt{gsf] ljj/0f
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_ /sd ?=
;6xL k'gM
ljj/0f z]o/ k"h
F L z]o/ ;fwf/0f lgodgsf/L Fair Value ;+lrt d'gfkmf cGo hu]8f hDdf u}/ lgolGqt hDdf O{lSj6L
36a9 Reserve
d"Nof+°g
lk|ldod hu]8f sf]if sf]if sf]if :jfy{
sf]if df}Hbft
;fpg !, @)&& ;Ddsf] /sd 9,717,651,567 ` 3,117,001,069 39,579,316 704,604,676 440,709,687 ` 2,136,788,863 1,321,022,137 17,477,357,316 565,581,311 18,042,938,626
Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&(

;dfof]hg÷Restatement - - - - - - - 20,749,198 - 20,749,198 323,770,828 344,520,027
;fpg !, @)&& ;Ddsf] ;dfof]hg÷ 9,717,651,567 ` 3,117,001,069 39,579,316 704,604,676 440,709,687 ` 2,157,538,061 1,321,022,137 17,498,106,514 889,352,139 18,387,458,653
Restated df}Hbft
cfly{s aif{sf] lj:t[t cfDbfgL ` ` `
cflys{ aif{sf] gfkmf ` ` ` ` ` ` ` 3,639,703,043 ` 3,639,703,043 198,755,174 3,838,458,217
s/ kl5sf] cGo lj:t[t cfDbfgL ` ` ` ` ` ` ` ` ` ` ` `
Fair Value df dfkg ubf{ O{lSj6L - - - - - 350,470,552 - 162,796,876 - 513,267,429 - 513,267,429

k'gM d"Nof+Ígdf v'b nfe -gf]S;fg_ - - - - - - - - - - - -
ljdflÍs nfe -gf]S;fg_ - - - - - - - - 29,553,721 29,553,721 - 29,553,721
gub k|jfx x]hdf nfe -gf]S;fg_ - - - - - - - - - - - -

ljlgdo nfe -gf]S;fg_ -cGt/f{li6«o Operation - - - - - - - - - - - -
sf] ljQLo ;DklQ ?kfGt/0f ubf{_
cfly{s aif{sf] s'n lj:t[t cfDbfgL ` ` ` ` ` 350,470,552 ` 3,802,499,919 29,553,721 4,182,524,192 198,755,174 4,381,279,367
cfly{s aif{df hu]8f sf]ifdf :yfgfGt/0f ` ` 805,994,195 8,352,454 521,278,345 ` ` ` 709,749,386 2,045,374,379 ` 2,045,374,379
cfly{s aif{df hu]8f sf]ifaf6 :yfgfGt/0f ` ` ` ` ` ` ` (2,045,374,379) (80,530,983) (2,125,905,362) ` (2,125,905,362)

:jfldTjstf{sf] sf/f]af/, O{lSj6Ldf k|ToIf n]vf°g x'g] ` ` `
xsk|b z]o/ hf/L - - - - - - - - - - - -

z]o/df cfwfl/t e'QmfgL - - - - - - - - - - - -
O{lSj6Lwf/snfO{ nfef+z - - - - - - - - - - - -
af]g; z]o/ hf/L 1,846,353,799 - - - - - - (1,846,353,799) - - - -
gub nfef+z e'Qmfg - - - - - - - (133,181,846) - (133,181,846) - (133,181,846)
cGo - - - - - - - - - - - -
s'n of]ubfg / ljt/0f ` ` ` ` ` ` ` ` ` ` ` `
@)&* c;f/ d;fGt;Ddsf] df}Hbft 11,564,005,366 ` 3,922,995,264 47,931,771 1,225,883,020 791,180,239 ` 1,935,127,957 1,979,794,261 21,466,917,878 1,088,107,313 22,555,025,191
95
96
;d"x
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_
/sd ?=
;6xL k'gM
ljj/0f z]o/ k"h
36a9 sf]if Reserve
d"Nof+°g
df}Hbft
;fpg !, @)&* ;Ddsf] /sd 11,564,005,366 ` 3,922,995,264 47,931,771 1,225,883,020 791,180,239 ` 1,935,127,957 1,979,794,261 21,466,917,878 1,088,107,313 22,555,025,191
;dfof]hg÷Restatement - - - - - - - (7,275,827) 37,405,985 30,130,158 (5,323,341) 24,806,817
;fpg !, @)&* ;Ddsf] ;dfof]hg÷ 11,564,005,366 ` 3,922,995,264 47,931,771 1,225,883,020 791,180,239 ` 1,927,852,130 2,017,200,246 21,497,048,036 1,082,783,972 22,579,832,008
Restated df}Hbft
cfly{s jif{sf] lj:t[t cfDbfgL ` ` `
cfly{s jif{sf] gfkmf ` ` ` ` ` ` ` 4,678,122,917 ` 4,678,122,917 247,439,638 4,925,562,555
s/ kl5sf] cGo lj:t[t cfDbfgL ` ` ` `
Fair Value df dfkg ubf{ O{lSj6L - - 32,702,418 - - (397,955,455) - 130,809,670 - (234,443,367) - (234,443,367)
ljdflÍs nfe -gf]S;fg_ - - - - - - - - (21,506,323) (21,506,323) - (21,506,323)
ljlgdo nfe-gf]S;fg_-cGt/f{li6«o Operation - - - - - - - - - - - -

cfly{s jif{sf] s'n lj:t[t cfDbfgL ` ` 32,702,418 ` ` (397,955,455) ` 4,808,932,587 (21,506,323) 4,422,173,226 247,439,638 4,669,612,864
cfly{s jif{df hu]8f sf]ifdf :yfgfGt/0f ` ` 842,985,390 154,254 168,101,908 ` ` ` 1,506,973,603 2,518,215,154 ` 2,518,215,154
cfly{s jif{df hu]8f sf]ifaf6 :yfgfGt/0f ` ` ` ` ` ` ` (2,518,215,154) (19,449,941) (2,537,665,095) ` (2,537,665,095)

:jfldTjstf{sf] sf/f]af/, O{lSj6Ldf k|ToIf n]vf°g x'g] ` ` ` ` ` ` ` ` ` `
xsk|b z]o/ hf/L - - - - - - - - - - - -
af]g; z]o/ hf/L - - - - - - - - - - - -
gub nfef+z e'QmfgL - - - - - - - (96,000,000) - (96,000,000) - (96,000,000)
cGo - - - - - - - - - - - -
s'n of]ubfg / ljt/0f ` ` ` ` ` ` ` ` ` ` ` (96,000,000)
@)&( c;f/ d;fGt;Ddsf] df}Hbft 11,564,005,366 ` 4,798,683,072 48,086,024 1,393,984,928 393,224,784 ` 4,122,569,563 3,483,217,585 25,803,771,322 1,330,223,610 27,133,994,932
?k]z n'O{+6]n /f]zg s'df/ Gof}kfg] lqnf]s rGb cu|jfn /fdrGb| ;+3O{ cflbTo s'df/ cu|jfn pk/f]Qm ldltdf k|ltj]bgdf pNn]lvt :yfgM sf7df8f}+
k|d'v ljQLo clws[t k|d'v sfo{sf/L clws[t ;~rfns ;~rfns ;~rfns /d]z s'df/ lwtfn, P˚=l;=P= ldltM k'; )%, @)&(
kf6{g/
a}+s
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_ /sd ?=
;6xL k'gM u}/
ljj/0f z]o/ k"h
F L z]o/ ;fwf/0f hu]8f sf]if lgodgsf/L Fair Value ;+lrt d'gfkmf cGo hu]8f hDdf hDdf O{lSj6L
36a9 Reserve
d"Nof+°g lgolGqt
lk|ldod sf]if sf]if
sf]if df}Hbft :jfy{
;fpg !, @)&& ;Ddsf] /sd 9,717,651,567 ` 3,049,516,877 39,579,316 704,604,676 440,709,687 ` 1,975,813,622 1,314,294,876 17,242,170,621 ` 17,242,170,621

;dfof]hg÷Restatement - - - - - - - - - - - -
;fpg !, @)&& ;Ddsf] ;dfof]hg÷ 9,717,651,567 ` 3,049,516,877 39,579,316 704,604,676 440,709,687 ` 1,975,813,622 1,314,294,876 17,242,170,621 ` 17,242,170,621
Restated df}Hbft
cfly{s jif{sf] lj:t[t cfDbfgL ` ` ` ` ` ` ` ` ` ` `
cfly{s jif{sf] gfkmf ` ` ` ` ` ` ` 3,258,934,467 ` 3,258,934,467 ` 3,258,934,467
Fair Value df dfkg ubf{ O{lSj6L - - - - - 350,470,552 - 162,796,876 - 513,267,429 - 513,267,429

ljdflÍs nfe -gf]S;fg_ - - - - - - - - 29,553,721 29,553,721 - 29,553,721

ljlgdo nfe -gf]S;fg_ -cGt/f{li6«o Operation - - - - - - - - - - -
cfly{s jif{sf] s'n lj:t[t cfDbfgL ` ` ` ` ` 350,470,552 ` 3,421,731,344 29,553,721 3,801,755,617 ` 3,801,755,617
cfly{s jif{df hu]8f sf]ifdf :yfgfGt/0f ` ` 651,786,893 8,352,454 521,278,345 ` ` ` 673,039,011 1,854,456,704 ` 1,854,456,704

:jfldTjstf{sf] sf/f]af/, O{lSj6Ldf k|ToIf n]vf°g x'g] ` ` ` ` ` ` ` ` ` `
xsk|b z]o/ hf/L - - - - - - - - - - - -

af]g; z]o/ hf/L 1,846,353,799 - - - - - - (1,846,353,799) - - - -
gub nfef+z e'Qmfg - - - - - - - (97,181,846) - (97,181,846) - (97,181,846)
cGo - - - - - - - - - - - -
s'n of]ubfg / ljt/0f ` ` ` ` ` ` ` ` ` ` ` `
@)&* c;f/ d;fGt;Ddsf] df}Hbft 11,564,005,366 ` 3,701,303,770 47,931,771 1,225,883,020 791,180,239 ` 1,599,552,618 1,973,762,674 20,903,619,458 ` 20,903,619,458
97
98
a}+s
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_
/sd ?=
;6xL k'gM
ljj/0f z]o/ k"h
36a9 sf]if Reserve
d"Nof+°g
df}Hbft
;fpg !, @)&* ;Ddsf] /sd 11,564,005,366 ` 3,701,303,770 47,931,771 1,225,883,020 791,180,239 ` 1,599,552,618 1,973,762,674 20,903,619,458 ` 20,903,619,458
;dfof]hg÷Restatement - - - - - - - - - - - -
;fpg !, @)&* ;Ddsf] ;dfof]hg÷ 11,564,005,366 ` 3,701,303,770 47,931,771 1,225,883,020 791,180,239 ` 1,599,552,618 1,973,762,674 20,903,619,458 ` 20,903,619,458
Restated df}Hbft
cfly{s jif{sf] lj:t[t cfDbfgL ` ` ` ` ` ` ` ` ` ` ` `
cflys{ jif{sf] gfkmf ` ` ` ` ` ` ` 4,214,926,951 ` 4,214,926,951 ` 4,214,926,951
Fair Value df dfkg ubf{ O{lSj6L - - 32,702,418 - - (397,955,455) - 130,809,670 - (234,443,367) - (234,443,367)
ljdflÍs nfe -gf]S;fg_ - - - - - - - - (21,506,323) (21,506,323) - (21,506,323)
ljlgdo nfe-gf]S;fg_-cGt/f{li6«o Operation - - - - - - - - - - - -

cfly{s jif{sf] s'n lj:t[t cfDbfgL ` ` 32,702,418 ` ` (397,955,455) ` 4,345,736,622 (21,506,323) 3,958,977,261 ` 3,958,977,261
cfly{s jif{df hu]8f sf]ifdf :yfgfGt/0f ` ` 842,985,390 154,254 168,101,908 ` ` ` 1,506,973,603 2,518,215,154 ` 2,518,215,154

:jfldTjstf{sf] sf/f]af/, O{lSj6Ldf k|ToIf n]vf°g x'g] ` ` ` ` ` ` ` ` ` ` `
xsk|b z]o/ hf/L - - - - - - - - - - - -
af]g; z]o/ hf/L - - - - - - - - - - - -
- - - - - - - - - - - -
gub nfef+z e'QmfgL
cGo - - - - - - - - - - - -
s'n of]ubfg / ljt/0f ` ` ` ` ` ` ` ` ` ` ` -
@)&( c;f/ d;fGt;Ddsf] df}Hbft 11,564,005,366 ` 4,576,991,578 48,086,024 1,393,984,928 393,224,784 ` 3,427,074,085 3,439,780,013 24,843,146,779 ` 24,843,146,779
?k]z n'O{+6]n /f]zg s'df/ Gof}kfg] lqnf]s rGb cu|jfn /fdrGb| ;+3O{ cflbTo s'df/ cu|jfn pk/f]Qm ldltdf k|ltj]bgdf pNn]lvt :yfgM sf7df8f}+
k|d'v ljQLo clws[t k|d'v sfo{sf/L clws[t ;~rfns ;~rfns ;~rfns /d]z s'df/ lwtfn, P˚=l;=P= ldltM k'; )%, @)&(
kf6{g/
gub k|jfxsf] Plss[t ljj/0f
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_
/sd ?=
;d"x a}+s
ljj/0f
sf/f]jf/ ;~rfngaf6 gub k|jfx
Jofh cfDbfgL 32,241,890,350 23,713,445,405 28,922,636,268 21,926,716,901
sldzg tyf l8isfpG6 cfDbfgL 2,867,730,249 2,250,733,449 2,369,651,129 1,840,704,124
nfef+z cfDbfgL - - - -
cGo ;~rfng cfDbfgL 316,005,065 475,516,784 313,349,971 435,521,297
Jofh vr{ (21,963,879,269) (13,821,485,759) (20,429,856,300) (13,391,062,418)

sldzg tyf l8isfpG6 vr{ (382,679,346) (256,155,701) (347,075,989) (216,898,083)
sd{rf/L vr{ (5,091,632,415) (3,705,582,648) (4,500,746,350) (3,347,937,058)
cGo vr{ (2,501,365,518) (1,586,276,934) (2,142,499,938) (1,725,185,653)
rfn" ;DklQ / bfloTjsf] kl/jt{g cl3sf] ;~rfng 5,486,069,115 7,070,194,596 4,185,458,791 5,521,859,110
gub k|jfx
;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l¢_ (15,034,747,104) (91,330,069,847) (8,143,851,261) (84,264,424,625)
g]kfn /fi6« a}+sdf /x]sf] df}Hbft (3,581,588,958) 9,648,584,940 (3,581,588,958) 9,648,584,940
a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft - - - -
cGo Aofkfl/s ;DklQ (151,015,418) 165,436,736 (151,022,000) (2,360,000)

a}+s÷ljQLo ;+:yfdf shf{ ;fk6L (795,487,544) 1,017,028,831 190,012,456 (1,581,379,040)
shf{ ;fk6L (13,550,608,028) (101,778,757,344) (7,913,149,446) (92,229,018,345)
cGo ;DklQ 3,043,952,844 (382,363,010) 3,311,896,686 (100,252,180)
;~rfng ;DaGwL rfn" bfloTjdf-sdL_÷j[l¢ 19,947,675,491 104,747,686,742 13,937,456,093 94,706,602,789
a}+s÷ljQLo ;+:yfdf e'QmfgL lbg'kg]{ (1,758,602,152) 10,864,911,716 (6,575,270,507) 4,057,949,381
g]kfn /fi6« a}+sdf e'QmfgL lbg'kg]{ 16,489,146,271 3,238,618,707 16,489,146,271 3,238,618,707
lgIf]k bfloTj 3,258,637,891 88,101,717,779 2,879,160,813 85,394,414,449
C0f ;fk6L - - - -
cGo bfloTj 1,958,493,480 2,542,438,541 1,144,419,516 2,015,620,252
cfos/ cl3sf] v'b sf/f]jf/ ;~rfngaf6 gub k|jfx 10,398,997,502 20,487,811,490 9,979,063,623 15,964,037,274
cfos/ e'QmfgL (1,936,985,949) (2,352,820,141) (1,641,000,000) (2,112,679,688)

sf/f]jf/ ;~rfngaf6 v'b gub k|jfx 8,462,011,553 18,134,991,349 8,338,063,623 13,851,357,586
nufgL sf/f]jf/df gub k|jfx - - - -
nufgL v/Lb (6,411,616,067) (3,997,160,494) (6,417,215,596) (3,807,741,987)

nufgL laqmLaf6 gub k|jfx 327,864,842 582,296,779 327,864,842 564,500,043
;DklQ v/Lbaf6 gub k|jfx (459,122,722) (261,620,900) (407,673,755) (151,459,644)

;DklQ laqmLaf6 gub k|jfx 1,954,778 966,466 1,954,778 966,466
cd't{ ;DklQ v/Lb (73,770,614) (16,259,882) (75,014,631) (10,880,832)

cd't{ ;DklQ laqmLaf6 gub k|jfx - - - -
nufgL ;DklQ v/Lb - (904,481,276) - (904,481,276)

nufgL ;DklQ laqmLaf6 gub k|jfx 552,932,122 125,082,214 552,932,122 125,082,214
Jofh cfDbfgL 2,388,185,656 1,522,182,565 2,388,185,656 1,522,182,565
nfef+z cfDbfgL 258,082,327 76,255,866 254,015,179 75,162,506
nufgL sf/f]jf/df v'b gub k|jfx (3,415,489,678) (2,872,738,661) (3,374,951,404) (2,586,669,946)

gub k|jfxsf] Plss[t ljj/0f
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_
/sd ?=
;d"x a}+s
ljj/0f
ljQLo >f]t sf/f]jf/af6 gub k|jfx
C0fkq lgisfZfgaf6 k|fKt - 1,802,308,839 - 1,802,308,839
C0fkqsf] e'QmfgL - (500,000,000) - (500,000,000)

;'/If0f g/fv]sf] ;xfos cfjlws C0faf6 k|fKt - - - -
;'/If0f g/fv]sf] ;xfos cfjlws C0f e'QmfgL - - - -
z]o/ lgisfzgaf6 k|fKt - - - -
nfef+z e'QmfgL - (15,281,281) - (15,281,281)

Jofh vr{ (1,052,455,840) (943,563,077) (1,052,455,840) (943,563,077)
cGo e'QmfgL / cfDbfgL - - - -
ljQLo >f]t sf/f]jf/af6 v'b gub k|jfx (1,052,455,840) 343,464,481 (1,052,455,840) 343,464,481
gub÷gub ;dfgdf ePsf] v'b j[l4÷-sdL_ 3,994,066,035 15,605,717,169 3,910,656,379 11,608,152,121
gub÷gub ;dfgsf] z'? Dff}Hbft 28,266,984,006 12,661,266,837 23,902,662,784 12,294,510,663
gub÷gub ;dfgsf] ljlgdo b/df ePsf] kl/jt{gaf6 - - - -

cfDbfgL÷vr{
gub tyf a}+sdf /x]sf] clGtd Dff}Hbft 32,261,050,040 28,266,984,006 27,813,319,163 23,902,662,784
kf6{g/
:yfgM sf7df8f}+
ldltM k'; )%, @)&(
100
k|d'v n]vf gLltx?
!= ;fdfGo hfgsf/L o; sDkgL klAns lnld6]8 sDkgLsf] ?kdf ldlt

Pg cfO{ ;L Plzof a}s + lnld6]8 -o; kZrft æa}s + Æ @)&%÷!@÷)# df btf{ ePsf] lyof] . o;sf] k|dv ' p2]
egL pNn]v ul/Psf] ;g\ !((* b]lv ;~rfngdf /x]sf] Zo lwtf]kq bnfn, ahf/ lgdf{tf, ahf/ laqm]tf tyf
g]kfn /fi6« a}s
+ af6 Ohfht k|fKt …sÚ ju{sf] ljQLo ;+:yf cGo ;DalGwt ;]jf ;'ljwf k|bfg ug]{ /x]sf] 5 . c;f/
/ sDkgL P]g, @)^# cGtu{t btf{ /x]sf] Ps lnld6]8 d;fGt;Dd o; sDkgLsf] sf/f]af/ z'? ePsf] 5}g .
sDkgL xf] . o;sf] /lhi68{ sfof{no tyf skf{/] 6]
sfof{no sf7df8f+d} f /x]sf] 5 . ;a} ;xfos sDkgLsf] cfly{s jif{sf] sf/f]af/ klg d'Vo
sDkgL h:t} @)&( c;f/ #@ ut] ;dfKt ePsf] lyof] .
o; a+s } sf] k|dv
' lqmofsnfkx?df g]kfn /fi6« a}s+ af6
Ohfhtkq kfP cg'?k shf{ k|jfx / ;fk6L, lgIf]k !=@= …;d"xÚ eGgfn] o; a}s
+ / ;xfos sDkgLx?nfO{
;°ng, Jofkf/, O{sdz{ ;]jf, a'lnog sf/f]af/ nufotsf hgfpFb5 .
;Dk"0f{ jfl0fHo a}l+ s· ;]jfx? u|fxsx?nfO{ k|bfg ug]{
/x]sf] 5 . h;df JolQm b]lv skf]/{ 6] ;]S6/ nufot, @= ljQLo ljj/0f tof/Lsf cfwf/
dlN6g]zgn / klAns sDkgLx? tyf ;/sf/L ;+:yfgx? a}s
+ sf] ljQLo ljj/0fx? g]kfn ljQLo k|ltj]bgdfg
;d]tnfO{ a}l+ s· ;]jf k|bfg ub{5 . (Nepal Financial Reporting Standrard -NFRS) sf
cfwf/df /xL PsfplG6ª :6\of088{ af]8{ (Accounting
of] a}s
+ g]kfn tyf lwtf]kq ljlgdo ahf/df NICA sf] Standards Board – ASB) af6 hf/L eO{ g]kfn rf6{8{
gfddf ;"rLs[t 5 . PsfpG6]G6\; ;+:yf (Institute of Chartered Accountants
of Nepal – ICAN) åf/f cg'kfngsf] nflu ;'lrt ul/Psf
!=!= ;xfos sDkgLx? Joj:yf cg';f/ g]kfn /fi6« a}s + sf] lgb]l{ zsf @)&* sf]
a}s
+ sf] tLgj6f ;xfos sDkgLx? /x]sf 5g\ Pg cfO{ ;L a'bF f g+= $ df lglb{i6 eP/ tof/ ul/Psf 5g\ .
Plzof Soflk6n lnld6]8, Pg cfO{ ;L Plzof n3'ljQ ljQLo
;+:yf lnld6]8 / Pg cfO{ ;L Plzof ;]So'l/6Lh\ lnld6]8 . ljQLo ljj/0fdf ljQLo cj:yfsf] ljj/0f, gub k|jfx
ljj/0f, gfkmf jf gf]S;fgsf] ljj/0f cGo lj:t[t
s= Pg cfO{ ;L Plzof Soflk6n lnld6]8 zt k|ltzt a}s + sf] cfDbfgLsf] ljj/0f, O{lSj6L kl/jt{gsf] ljj/0f / n]vf+Íg
:jfldTjdf /x]sf] ;xfos sDkgL xf] . @)&# h]7 @ ut] l6Kk0fLx? ;dfj]z ul/Psf 5g\ .
sDkgL P]g, @)^# cGt{ut klAns lnld6]8 sDkgLsf] ?kdf
of] ;+:yf btf{ ePsf] 5 . ;fy}, g]kfn lwtf]kq af]8a{ f6 @=!= cg'kfngf 3f]if0f
lwtf]kq Joj;foL -dr]G{ 6 a+s } _ lgodfjnL @)^$ cGtu{t ljQLo ljj/0f ;~rfns ;ldltaf6 cg'df]lbt eO{
dr]G{ 6 a+l} s· sf/f]af/ ug{ o; ;+:yfnfO{ Ohfht k|fKt 5 . g]kfn ljQLo k|ltj]bgdfg (Nepal Financial Reporting
Standrard-NFRS) sf cfwf/df /x]/ g]kfn n]vfdfg
v= Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8 a}s + sf] af]8{ (Accounting Standards Board – ASB) af6 hf/L
%&=&% k|ltzt :jfldTj /xL ;~rfngdf /x]sf] ;xfos g]kfn rf6{8{ PsfpG6]G6\; ;+:yf (Institute of Chartered
sDkgL xf] . @)&$ ;fpg !) ut] sDkgL P]g, @)^# Accountants of Nepal – ICAN) åf/f cg'kfngsf]
tyf g]kfn /fi6« a}s + af6 …3Ú ju{sf] ljQLo ;+:yfsf] nflu ;"lrt ul/Psf Joj:yf cg';f/ g]kfn /fi6«
?kdf Ohfht k|fKt u/]sf] 5 . o;sf] /lhi68{ sfof{no a}s
+ sf] lgb]l{ zsf @)&* sf] lgb]z
{ g gDa/ $ df lglb{i6
O{6x/Ldf /x]sf] 5 . o;sf] k|dv ' p2]Zo eg]sf] ljkGg eP/ tof/ ul/Psf 5g\ .
If]q÷;d'bfodf a}l+ s· ;]jf ;'ljwf k'¥ofpg' /x]sf] 5 .
@=@= ;dLIff cjlw / ljQLo ljj/0fsf] cg'df]bg
u= Pg cfO{ ;L Plzof ;]So'l/6Lh\ lnld6]8 zt k|ltzt ljQLo k|ltj]bg cg'df]bgsf nflu k|:t't x'bF f ;dfj]z
?kdf a}s
+ sf] :jfldTjdf /x]sf] ;xfos sDkgL xf] . ul/Psf ljQLo ljj/0f / ljQLo ljj/0f ;DaGwL

l6Kk0fLx? k'; %, @)&( df a;]sf] %*! cf}+ ;~rfns a}s
+ sf] ;~rfns ;ldltn] k'g/fjnf]sg ug],{ ;+zf]wg ug],{
;ldltsf] a}7sdf k|:t't eO{ cg'df]bg ePsf] xf] . kl/jt{g ug]{ u/]sf] 5 . pQm cg'dfg ug{sf nflu a}s
+ sf]
of] k|ltj]bg cfufdL @% cf}+ jflif{s ;fwf/0f ;efsf] ;~rfns ;ldltn] a[xt ?kdf ljdz{ u/L eljiodf
cg'df]bgsf] lgldQ l;kmfl/z ul/Psf] 5 . cfpg ;Sg] cj:yf, d'gfkmf, t/ntf, ljQLo ;|ft] tyf
cGo cfofdx?df lj:t[t ?kdf 5nkmn ug]{ u/]sf] 5 .
@=#= sfof{Tds tyf k|:t'lts/0f d'bf| (Functional and
Presentation Currency) @=% n]vf gLltdf kl/jt{g
ljQLo k|ltj]bg g]kfnL ?k}ofF -g]?_ df tof/ kfl/Psf] NFRS n] n]vf°gn] lgwf{/0f u/]sf] cfjZos dfg]sf]
5 . a}s
+ n] sf/f]af/ ug]{ d'bf| klg oxL g} xf] . ;a} ;a} ;DklQ / bfloTj n]vf°g ub},{ NFRS n] cjnDag
c+snfO{ cGoyf pNn]v gePsf] cj:yfdf afx]s ?k}ofFdf u/]sf] ;DklQ / bfloTjsf] ckn]vf°g ub}{ / ;DklQ /
pNn]v ul/Psf] 5 . bfloTjsf] n]vf°gdf NFRS sf] dfkg nfu" ub}{ a}s
+ n]
ljQLo ljj/0f g]kfn ljQLo k|ltj]bgdfg adf]lhd
@=$= cg'dfg, dfGotf, ljj]ssf] k|of]u tof/ kf/]sf] 5 .
g]kfn ljQLo k|ltj]bgdfg (NFRS) adf]lhd ljQLo
ljj/0f tof/ ubf{ a}s
+ n] lglZrt dfGotfx?df cfwfl/t of] jif{sf] n]vf gLltdf s'g} kl/jt{g ul/Psf] 5}g .
eO{ ljleGg cg'dfgx? tof/ u/L ljQLo ljj/0f agfpg
pko'Qm x'g] ;j{dfGo l;4fGt /lx cfPsf] 5 . @=^= l/kf]l6{ª Pronouncement
a}s
+ n] ljQLo ljj/0f tof/ ug{sf nflu g]kfn n]vfdfg
oL cg'dfgx? pknAw hfgsf/L / a+s } Joj:yfkgsf af]8{ (Accounting Standards Board – ASB) af6 @)&)
:jljj]sdf cfwfl/t x'G5g\ . cGo ljsNkx? cem a9L efb| @* ut] hf/L g]kfn ljQLo k|ltj]bgdfg (Nepal
pko'Qm x'g;Sy] eGg] klg lgwf{/0f x'g ;S5 . cfÇgf] Financial Reporting Standrard-NFRS) sf cfwf/df
kl/l:ylt / ;~rfng jftfj/0fsf] cfwf/df n]vfdfg x'g] 5 . NFRS n] cGt/f{li6«o n]vfdfg af]8{ (IASB) n]
gLltx?, a+s
} sf] d'gfkmf, ljQLo l:ytLsf] ljj/0f / hf/L u/]sf] cGt/f{li6«o ljQLo dfgs (IFRS) nfO{ ;a}
ljQLo ljj/0fsf] k|ltj]bgdf k|:t't ul/Psf cGo line lx;fadf ;Daf]wg u/]sf] 5 .
item l6Kk0fLx?;Fu} ;dfj]z ul/Psf] 5 . jf:tljs
ljQLo glthfx? cg'dfg u/] eGbf km/s kg{ ;Sb5g\ oBlk, g]kfn rf6{8{ PsfpG6]G6\; ;+:yfg (ICAN) n] !*
/ slxn] sfxL+ o:tf cg'dflgt eGbf lgs} km/s klg h'nfO{ @)@@ sf] ;"rgf dfkm{t NFRS 9 sf] Para 5.4
/xg ;S5 . -k|efjL Aofh b/_ / Para 5.5 (Impairment) sf] nflu
ASB sf] l;kmfl/;df j}slNks lalw / :ylut cjlwsf]
NFRS cg';f/ a}s + n] ljQLo cg'dfg / wf/0ff agfpg' carve out k|bfg u/]sf] 5 .
kg]{ x'G5 h;n] ;DklQ, bfloTj / ;+efljt bfloTj /
;DklQdf c;/ ub{5 . a}s + n] ljQLo ljj/0f tof/ ubf{ @=& gofF hf/L ul/Psf] t/ sfof{Gjog gePsf] n]vfdfg
pQm cg'dfg / cGtlg{lxt dfGotfnfO{ nfu" ug]{ ul/Psf] ljQLo pks/0fsf] l/kf]l6{ªsf] nflu, NAS #@ ljQLo
5, pQm dfGotfx? ;do ;dodf kl/dfh{g klg ug]{ pks/0f, k|:t'lts/0f, NAS #( ljQLo pks/0f
ul/Psf] 5 . kl/dflh{t cg'dflgt dfGotfnfO{ kl/dfh{g n]vfÍsg / dfkg / NFRS & adf]lhdsf] ljQLo
ul/Psf] ;do ;Dd nfu" ug]{ ul/Psf] 5 . ;fy}, kl/jt{gsf] pks/0f– k|s6Ls/0f nfu" ul/Psf] 5 . ljQLo
k|efj / k|sl[ t klg pNn]v ug]{ ul/Psf] 5 . ljj/0fdf pks/0fx¿sf] juL{s/0fsf] nflu NFRS ( cg'kfngf
cg'dfg ul/Psf] :yfgdf To;nfO{ pNn]v ul/Psf] 5 . ul/Psf] 5 .
s'g} ljQLo glthfsf] cg'dfgdf kl/jt{g x'bF f kg]{ k|efj /
kl/jt{gnfO{ klg ;f]sf] sf/0f ;lxt pNn]v ul/Psf] 5 . NFRS sf] ljleGg ldltdf pb\3f]if0f kl5 IASB af6
s]xL gofF n]vfdfg / jt{dfg n]vfdfgdf ;+zf]wg /
@=$=! Joj;fosf] lg/Gt/tf (Going Concern) JofVof hf/L ePsf] 5 . PP;aL g]kfnn] o;nfO{ NFRS
ljQLo ljj/0f Going Concern sf] cjwf/0ffdf cfwfl/t ;Fu ;dfj]z u/fPkl5 oL nfu" ul/Psf] 5 . ICAN n]
eO{ tof/ ul/Psf] 5 . a}s+ df ljt/0f ul/Psf] ;|ft] , NFRS @)!* 3f]if0ff u/L nfu" u/]sf] 5 .
;fwgn] a}s
+ n] eljiodf cfDbfgL ug]{ Joj;fonfO{ klg
;Daf]wg ug]{ u/L cg'dfg ul/Psf] 5 . pQm cg'dfgdf g]kfn rf6{8{ PsfpG6]G6\; ;+:yfgn] h'nfO{ %, @)@! sf]
102
;"rgf dfkm{t NFRS !& "Insurance Contract" :yug k|of]u u/L n]vf°g ul/G5 -a}s
(acquisition method) + df
ul/ h'nfO{ !^, @)@# sfof{Gjog ug]{ ePsf] 5 . ha lgoGq0f :yfgfGt/0f x'G5_ .
@=* c+uLsf/ gul/Psf gofF n]vfdfg / JofVof lgoGq0f eg]sf] s'g} ;+:yfsf] ultljlwaf6 kmfObf lng
lgDg ;+zf]wgx¿ clgjfo{ 5}gg\ / a}s
+ åf/f ckgfOPsf] ;+:yfsf] ljQLo / ;~rfng gLltx¿ th{d' f ug]{ /
5}g . a}s
+ n] xfn oL ;+zf]wgx¿sf] lj:t[t k|efjsf] ;f] cg';f/ ;+:yf ;~rfng ug]{ zlQm xf] . lgoGq0fsf]
d"NofÍg ul//x]sf] 5 . lgwf{/0f ubf{ ;d"xn] ;Defljt dtbfg clwsf/x¿nfO{
ljrf/ ub{5 h'g jt{dfgdf k|of]uof]Uo 5g\ .
The International Accounting Standards Board
(IASB) n] “Defnition o Accounting Estimate clwu|x0fsf] ldltdf VoftLnfO{ a}s
+ n] b]xfo adf]lhdsf]
(Amendments to IAS 8)” ;+:yfn] leGgtf 5'6o\ fpg /sdnfO{ ;dfof]hg u/L dfkg u5{ M
k|sfzg u/]sf] 5 . o; ;+zf]wg hgj/L @)@# df jf
kl5 ;'? x'g] jflif{s cjlwx¿sf] nflu k|efjsf/L 5g\ . l :yfgfGt/0f ul/Psf] k|ltkmnsf] fair value clwu|x0fdf u}/
lgolGqt :jfy{sf] n]vf°g ul/Psf] kl/df0f, ;fy} Joj;fo
@=( l8:sfplG6· (Discounting) PsLs/0f r/0fd} xfl;n ePdf, Jofkf/ ;+of]hgdf k"jj{ t\
;DklQ / bfloTjdf u}/ rfn' (Non-Current) ePsf] k|efj O{lSj6L :jfy{sf] fair value, clwu|x0f ul/Psf] n]vf°g
pNn]vgLo (Material) ePsf] cj:yfdf l8:sfplG6ª ug{ ;lsg] ;DklQ / n]vf°g ug{ ;lsg] bfloTjsf] v'b
nfu' ul/Psf] 5 . n]vf°g /sd -;fdfGotofM fair value_
l ha cltl/Qm /sd C0ffTds x'G5 gfkmf jf gf]S;fgdf
@=!) NFRS sfof{Gjogsf] ;Lldttf tTsfn vl/b nfe (Bargain Purchase Gain)
hxfF hfgsf/L kof{Kt?kdf pknAw 5}gg\ jf c+uLsf/ n]vf°g ul/G5 .
ug{sf] nflu cJojxfl/s 5g\ NFRS sfof{Gjogsf To:tf l k|ltkmn :yfgfGt/0fdf k"jj{ t\ ;DaGwsf] r'Qmf /sd
ckjfbx?nfO{ pNn]v ub}{ ;DalGwt v08df /flvPsf] 5 . ;dfj]z ePsf] x'bg} . o:tf] /sd ;fdfGotof gfkmf jf
gf]S;fgdf n]vf°g ul/G5 .
l C0fkq jf O{lSj6L lwQf]kqsf] lgisfzg vr{ afx]s
#= k|dv' n]vf gLltx¿ Joj;fo ;+of]hg;“u ;DalGwt vr{ gfkmf gf]S;fgdf
#=! dfkgsf] cfwf/ n]vfÍg ul/G5 .
ljQLo ljj/0f lgDg j:t'ut dxTjsf] cfwf/df pNn]v l s'g} klg ltg{k' g]{ ;Defljt bfloTjnfO{ clwu|x0f ldltdf
ul/P afx]s P]ltxfl;s d"Nodf tof/ kfl/Psf] 5 M fair value df dfkg ul/G5 . olb ltg{k ' g]{ ;Defljt
ljQLo ;DklQ / bfloTjnfO{ logsf] ;'?jflt n]vf°g fair bfloTjnfO{ O{lSj6Lsf] ¿kdf juL{st[ ul/Psf] 5 eg]
value df dfkg ul/Psf] 5 . FVTOCI / FVTPL ljQLo of] k'gdf{kg x'bF g} / r'Qmf /sd O{lSj6Ldf ;dfof]hg
pks/0fsf] To;kl5sf] n]vf°g fair value df dfkg ul/G5 . cGoyf, dfkg cjlwsf] ;dfof]hg afx]s ;Defljt
ul/Psf] 5 . nufgL ;DklQ fair value df dfkg ul/Psf] k|ltkmnsf] fair value df kl5Nnf] kl/jt{gx¿nfO{ gfkmf
5. jf gf]S;fgdf klxrfg / n]vf°g ul/G5 .
kl/eflift nfe of]hgfsf] bfloTj n]vf°g ubf{ kl/eflift

nfe of]hgfsf] jt{dfg d"Nodf of]hgf ;DklQ, n]vf°g cfly{s jif{ @)&*÷&( df s'g} Jofkf/ PsLs/0f ul/Psf]
gul/Psf] ;]jf nfut / n]vf°g gul/Psf] ladfl°s 5}g .
gf]S;fgnfO{ 36fP/ b]vfpg] gLlt 5 . n]vf°g gul/Psf]
ladfl°s nfe ePdf kl/eflift nfe of]hgfsf] jt{dfg
d"Nodf hf]8g\ ] gLlt 5 . v_ u}/ lgolGqt :jfy{ (Non Controlling Interest)
x/]s Jofkf/ PsLs/0fdf a}s + n] ufleg] ;+:yfdf x'g]
#=@ PsLs/0fsf] cfwf/ u}/ lgolGqt :jfy{ dfkg b]xfo adf]lhd ul/G5 M
s_ Jofkf/ PsLs/0f Fair value df jf ufleg] ;+:yfsf] v'b ;DklQsf] a}s

+ sf]
Jofkf/ PsLs/0f clwu|x0f ldltdf clwu|x0f ljlw afx]ssf] :jfldTjsf] cg'kftdf lgoGq0fdf xfgL gx'g]

To:tf sf/f]af/nfO{ a}s
+ n] :jfldTj wgLsf] x}l;otdf b]xfo adf]lhdsf] kl/l:yltn] a}s
+ sf] laz]if p2]Zo ;+:yfdf
u/]sf] sf/f]af/ dfgL a}s
+ tyf ;xfos ;+:yfn] n]vf°g lgoGq0f /x]sf] s'/f ;+st] ub{5 / a}s + n] kmn:j¿k
u5{g . u}/–lgolGqt gfkmfx¿df ;dfof]hg ;xfos ;f] ;+:yf PsLs/0f ub{5 M
;+:yfsf] v'b ;DklQsf] cg'kftdf cfwfl/t x'G5 .
Vofltsf] nflu s'g} ;dfof]hg ul/b}g / s'g} gfkmf jf l o:tf] ;+:yfsf] lqmofsnfkx? a}s + sf] nflu / o;sf] ljz]if
gf]S;fg n]vf°g ul/b}g . Joj;fo cfjZostf cg';f/ ;~rflnt ul/G5 h;sf sf/0f
To:tf] ;+:yfsf] ;~rfngsf] sf/0f a}s + nfO{ kmfObf x'G5 .
u_ ;xfos sDkgLx? l To:tf] ;+:yfsf] lqmofsnfkaf6 clwsf+z kmfObf x'g] u/L
;xfos sDkgLx? a}s + sf] lgoGq0f ePsf sDkgLx? a}s
+ ;Fu lg0f{o clwsf/ ePdf jf :jlgoGq0f k|0ffnL
x'g\ . s'g} ;+:yf;Fusf] ;+nUgtfsf] sf/0f kl/jt{gzLn :yfkgf u/L a}s + ;Fu lg0f{o clwsf/ x'G5 .
k|ltkmnsf] clwsf/ ePdf / To:tf] ;+:yfsf] gfkmfdf l To:tf] ;+:yfaf6 x'g] clwsf+z kmfObf k|fKt ug]{ clwsf/
c;/ kfg]{ zlQm ePdf a}s + n] ;f] ;+:yfnfO{ lgoGq0f u5{ . a}s+ ;Fu ePdf / To:tf] ;+:yfsf] lqmofsnfkaf6 a}s + nfO{
;xfos sDkgLx?sf] ljQLo ljj/0fx? PsLs[t ljQLo klg hf]lvd x'g ;S5 .
ljj/0fdf ;d]l6Psf] 5 . l a}s + n] To:tf] ;+:yfsf] lqmofsnfkaf6 x'g] clwsf+z nfe
k|fKt ug{sf] nflu clwsf+z hf]lvdsf] lhDd]jf/L jf
a}s
+ n] cfgf] lgoGq0fdf Ps jf PseGbf a9L tTjx? :jfldTj lnG5 .
kl/jt{g eP gePsf] c“fsng ug{ k'gM d"Nof°g
u5{ . PsLs[t ljQLo ljj/0f tof/ kfbf{ ;DklQ, bfloTj, r_ PsLs[tdf x6fO{Psf n]gb]gx?
cfDbfgL, vr{ / gub k|jfx d'Vo sDkgL;Fu p:t} u/L ;a} cGt/ ;d"x df}Hbft / sf/f]af/, cGt/ ;d"x
hf]l8G5 . ;xfos sDkgLdf d'Vo sDkgLsf] nufgL / d'Vo sf/f]af/af6 k|fKt x'g] ;fsf/ gePsf] cfDbfgL jf vr{
sDkgLsf] O{lSj6Lsf] c+z k"0f{ ?kdf x6fOG5 . PsLs[t -ljb]zL d'bf| ;6xLaf6 k|fKt x'g] cfDbfgL / gf]S;fg afx]s_
ljQLo ljj/0f agfpg] a]nfdf cGt/ ;d"x sf/f]af/;Fu nfO{ PsLs[t ljQLo ljj/0f tof/ ubf{ /2 ul/G5 . olb
;DalGwt ;DklQ tyf bfloTj, cfDbfgL, vr{ / gub s'g} Iflt x'g] k|df0f 5}g eg] ;fsf/ gePsf] gf]S;fgnfO{
k|jfxnfO{ k"0f{?kdf x6fOG5 . klg ;fsf/ gePsf] cfDbfgLh:t} u/L /2 ul/G5 .
3_ lgoGq0f u'dfpg' (Loss of Control) #=# gub jf gub ;dfg

lgoGq0f u'dfPdf a}s
+ n] ;xfos sDkgLsf] ;DklQ tyf gub jf gub ;dfg eGgfn] cfkm";uF ePsf] gub
bfloTj ckn]vf°g ub{5 . u}/ lgolGqt :jfy{sf] /sd df}Hbft a}s
+ tyf ljQLo ;+:yfdf /x]sf] df}Hbft dfu tyf
tyf ;xfos sDkgL;Fu ;DalGwt O{lSj6Ldf ;l~rt cNk;"rgfdf k|fKt x'g] /sd / ufleg] ldlt eGbf tLg jf
?kfGt/0f gf]S;fgnfO{ klg ckn]vf°g ul/G5 . ;fy}, tLg dlxgf eGbf sd kl/kSjtf cjlw ePsf] clt t/n
klxNo} cGo lj:t[t cfDbfgLdf n]vf°g ul/Psf] d'Vo ljQLo ;DklQ a'lemG5 . a}s + n] cNksflng k|ltj4tf k"/f
sDkgLsf] tTjx?nfO{ gfkmf jf ;l~rt gfkmfdf pko'Qm ug{ k|of]u ug]{ / fair value kl/jt{g x'g gu0o hf]lvd
9+uaf6 k'gj{uL{s/0f ul/G5 . lgoGq0f Ifltaf6 x'g] ePsf] ljQLo ;DklQ g} gub tyf gub ;dfg xf] .
clwz]if jf gf]S;fgnfO{ gfkmf jf gf]S;fgdf n]vf°g
ul/G5 . k"j{ ;xfos sDkgLdf a}s+ sf] s'g} :jfy{ /xFbf ljQLo cj:yfsf] ljj/0fdf gub / gub ;dfgnfO{
To:tf :jfy{x? fair value df dfkg ul/G5 . o;kl5, kl/zf]lwt d"Nodf /flvG5 .
o;nfO{ O{lSj6Ldf n]vf°g ul/Psf] nufgL jf a}s + sf]
ljQLo pks/0fsf] gLltcg';f/ n]vf°g ul/G5 . #=$ ljQLo ;DklQ / ljQLo bfloTj
ª_ ljz]if p2]Zo ;+:yf (special purporse entity) s_ klxrfg / n]vf°g

s'g} ;+sl' rt jf pko'Qm 9+uaf6 kl/eflift p2]Zo k|fKtLsf] a}s
+ n] k|f/lDes ?kdf cfÇgf] ljQLo cj:yfsf] ljj/0fdf
nflu :yfkgf ul/Psf] ;+:yf g} ljz]if p2]Zo ;+:yf xf] . ljQLo ;DklQ jf bfloTjnfO{ ta dfq} n]vf°g ul/G5
o;nfO{ a}s + ;Fusf] ;DaGwsf] dxTj ;fy} o;sf] hf]lvd ha of] pks/0fsf] cg'aGwg Joj:yfsf] kIf (Party to
/ kl/0ffdsf] cfwf/df lgoGq0fsf] ls6fg / tt\kZrft Contractual Provision) x'G5 . a}s + n] ;'?df shf{ /
PsLs/0f ul/G5 . ;fk6L, lgIf]k / C0f ;'/If0fkqx? / ;xfos bfloTjx¿
pgLx¿sf] pTklQ ePsf] ldltdf n]vf°g ub{5 h'ga]nf
104
a}s
+ pks/0fsf] cg'aGwg Joj:yfsf] kIf aG5 . O{lSj6L k|f/lDes ?kdf Jofkf/sf] nflu g/flvPsf] / n]vf°g
pks/0fdf nufgL, lwtf]kq, C0fkq, ;/sf/L ;'/If0fkq, ul/Psf] O{lSj6L pks/0fdf ul/Psf] nufgL a}s + n]
/fi6« a}s
+ sf] C0fkq jf lgIf]k lnnfdL, l/e;{ l/kf], k|i6 pks/0fsf] fair value df ePsf] kl/jt{gnfO{ cGo lj:t[t
vl/bnfO{ Jofkf/sf] ldltdf, n]vf°g ul/G5 . ljQLo cfodf n]vf°g ug]{ u/L ckl/jt{gLo 5gf}6 u5{ eg] cGo
;DklQsf] lgoldt x'g] vl/b / laqmLnfO{ r'Qmf x'g] lj:t[t cfDbfgL dfkm{t fair value df dfkg ul/g] ljQLo
ldltdf n]vf°g ul/G5 . ;DklQsf] ¿kdf juL{st[ ul/g'k5{ . To:tf ;DklQ kl5
fair value df dfkg x'G5g\ / fair value df kl/jt{gx¿
v_ juL{s/0f cGo lj:t[t cfDbfgLdf n]vf°g ul/G5 .
c_ ljQLo ;DklQ
a}s
+ n] ljQLo ;DklQx¿ Joj:yfkg ug{sf nflu a}s + sf] g]kfn n]vfdfg af]8s { f] ldlt @)&&÷)&÷)$ sf]
Business Model / ljQLo ;DklQsf] cg'alGwt gub lg0f{o cg';f/ o; lsl;dsf] O{lSj6L pks/0fsf] lg;u{
k|jfx (Contractual Cash Flow) ljz]iftfx?sf] cfwf/ ePdf kl5Nnf] jif{sf] fair value movement nfO{ cGo
df kl/zf]lwt nfut jf fair value df dfkg ul/g] ljQLo lj:t[t cfDbfgL / ;dLIff jif{sf] gfkmfnfO{ gfkmf gf]S;fg
;DklQsf] ?kdf juL{s/0f u5{ . ljQLo ;DklQsf] b'O{ lx;fadf n]vf°g ul/G5 .
ju{x? o;k|sf/ 5g\ M cf_ ljQLo bfloTj
ljQLo hdfgt / C0f k|lta4tf afx]s cGo ljQLo
cc_ kl/zf]lwt nfutdf dfkg ul/g] ljQLo ;DklQ bfloTjx?nfO{ a}s
+ n] o;/L juL{s/0f u/]sf] 5 M
(Financial Asset measured at Ammortised Cost) l gfkmf jf gf]S;fg dfkm{t fair value df dfkg ul/g]
a}s
+ n] tnsf b'j} zt{x? k"/f ePsf] v08df kl/zf]lwt ljQLo bfloTjx?
nfutdf dfkg ul/Psf] ljQLo ;DklQnfO{ juL{s/0f u5{ M olb Jofkf/sf] nflu /flvPsf] xf] eg] jf gfkmf jf
l cg'alGwt gub k|jfx (Contractual Cash Flow) gf]S;fgsf] dfWodaf6 fair valuedf lglb{i6 ul/Psf] 5 eg]
;+sng ug{sf] nflu ;DklQ /fVg] p2]Zo ePsf] Jofkf/ ljQLo bfloTj d'gfkmf jf gf]S;fg dfkm{t fair value df
df]8ncGtu{t ;DklQ /x]df /, dfkg ul/g] ljQLo bfloTjx?sf] ¿kdf juL{st[ ul/Psf]
l ljQLo ;DklQsf] ;Demf}tf ;t{x¿n] lglb{i6 ldltdf gub 5 . k|f/lDes klxrfg / n]vf°gdf sf/f]af/ nfutx¿
k|jfx x'G5 / Tof] df}Hbft /sdsf] ;fFjf jf Jofh /sdsf] clwu|x0f;“u k|ToIf ?kn] ;DalGwt eP gfkmf jf gf]S;fg
dfq e'QmfgL xf] . vftfdf n]vf°g ul/G5 . tf]lsPsf] ljz]if bfloTjx¿
afx]s, bfloTjsf] shf{ hf]lvddf ePsf] kl/jt{gsf]
ccf_ Fair Value df dfkg ul/Psf] ljQLo ;DklQ sf/0f fair value df ePsf] kl/jt{gnfO{ cGo lj:t[t
kl/zf]lwt d"Nodf dfkg ul/Psf] afx]ssf ljQLo ;DklQ cfDbfgLdf n]vf°g ul/Psf] 5 .
fair value df dfkg ul/G5 . fair value df dfkg ul/Psf]
ljQLo ;DklQ b]xfo adf]lhd juL{s/0f ul/G5 M l kl/zf]lwt nfutdf dfkg ul/Psf] ljQLo bfloTjx?
gfkmf jf gf]S;fgsf] dfWodaf6 fair value df dfkg
l gfkmf jf gf]S;fg dfkm{t fair value df dfkg ul/g] ul/Psf] ljQLo bfloTjx?nfO{ afx]s cGo ljQLo bfloTjnfO{
ljQLo ;DklQ kl/zf]lwt nfutdf k|efjsf/L Jofhb/ ljlw k|of]u u/]/
ljQLo ;DklQ gfkmf jf xflgsf] dfWodaf6 fair value dfkg u/L kl/zf]lwt nfutdf juL{s/0f ul/G5 .
sf] ¿kdf juL{st[ ul/G5 olb ltgLx¿ Jofkf/sf] nflu
/flvPsf] 5 (Held for Trading) jf gfkmf jf gf]S;fgsf] u_ dfkg
dfWodaf6 fair value df lglb{i6 ul/Psf] 5 . k|f/lDes
klxrfg / n]vf°gdf sf/f]af/ nfut clwu|x0f nfut c_ k|f/lDes dfkg (Initial Measurement)
xf] eg] gfkmf jf gf]S;fgsf] dfWodaf6 ul/G5 . To:tf, gfkmf jf gf]S;fgsf] dfWodaf6 dfkg ul/Psf] afx]ssf]
;DklQ kl5 fair value df gflkG5g\ / fair value df ljQLo ;DklQ jf ljQLo bfloTj ;'?sf] fair value df
kl/jt{gx¿ gfkmf jf gf]S;fgsf] ljj/0fdf klxrfg / sf/f]af/ /sd hf]8/] jf 36fP/ dfkg ul/G5 . gfkmf jf
n]vf°g ul/G5 . gf]S;fg dfkm{t fair value df dfkg ul/g] ljQLo ;DklQ
/ ljQLo bfloTjsf] ;DaGwdf sf/f]af/ nfut gfkmf jf
l cGo lj:t[t cfDbfgL dfkm{t fair value df dfkg ul/g] gf]S;fgsf] ljj/0fdf n]vf°g ul/G5 .
ljQLo ;DklQ

cf_ kl5sf] dfkg (Subsequent Measurement) x'G5 / gof bfloTjn] ;f6f;f6 ul/G5, To:tf] ;f6f;f6 jf
ljQLo ;DklQ jf ljQLo bfloTj kl5 juL{s/0fsf] ;+zf]wg ePsf] v08df d"n bfloTjsf] ckn]vf°g / gofF
cfwf/df fair value df jf kl/zf]lwt nfutdf dfkg bfloTjsf] n]vf°g ul/G5 . d"n ljQLo bfloTjsf] lstfaL
ul/G5 . kl/zf]lwt nfutdf dfkg ul/Psf] juL{st[ d"No / e'Qmfg ul/Psf] k|ltkmn aLrsf] leGgtf gfkmf jf
;DklQ jf bfloTj kl5 k|efjsf/L Jofhb/ ljlw k|of]u gf]S;fgsf] ljj/0fdf n]vf°g ul/G5 .
u/]/ kl/zf]lwt nfutdf dfkg ul/Psf] 5 .
#=$=@ Fair Value sf] lgwf{/0f
ljQLo ;DklQ jf ljQLo bfloTjsf] kl/zf]lwt nfut Fair value eg]sf] Tof] d"No xf] h'g dfkg ldltdf ahf/
eg]sf] To:tf] /sd xf] h;df ljQLo ;DklQ jf ljQLo ;xefuLx¿aLr Jojl:yt sf/f]af/ ePsf] cj:yfdf
bfloTj k|f/lDes n]vf°g ul/Psf] /sddf ;fFjfsf] ;DklQ a]Rbf kfO{g] jf bfloTj x:tfGt/0f ubf{ ltl/g]
k'0f{ e'QmfgL, k|efjsf/L Jofh ljlwåf/f dfkg ul/Psf] /sd xf] . bfloTjsf] Fair value n] o;sf] sfof{Gjog
;+lrt kl/zf]wg -k|f/lDes /sd / kl/;f]lwt /sdsf] hf]lvd k|ltlalDat ub{5 .
leGgtf_ / Iflt jf c;+sngsf] sf/0f x'g] sdLnfO{ 36fO{
kl/0ffd:j?k cfPsf] /sdnfO{ a'lemG5 . NAS !& cGtu{t k§fx¿sf] ;Gbe{df, Fair value eg]
Fair value df juL{s/0f ul/Psf ljQLo ;DklQ kl5 fair sf] hfgsf/, OR5's kIfaLr dfkg ldltdf arms length
value df dfkg ul/G5 . ljQLo ;DklQsf] fair value transaction df ;DklQ ljlgdo ug{ jf bfloTj r'Qmf
df gfkmf jf gf]S;fgsf] dfWodaf6 kl5 x'g] fair value ug{ ;lsg] d"No xf] .
kl/jt{gnfO{ gfkmf jf gf]S;fgsf] ljj/0fdf n]vf°g
ul/G5 hasL cGo lj:t[t cfodfkm{t fair value dfkg lgDg tx cg';f/ fair value lgwf{/0f ul/G5 M
ul/g] ljQLo ;DklQnfO{ cGo lj:t[t cfodf klxrfg /
n]vf°g ul/G5 . tx ! M Fair value dfkg eGgfn] ;f]xL lsl;dsf] ;Dklt
of bfloTjsf] ;lqmo ahf/df cjl:yt c;dfof]lht
#=$=! ckn]vf°g (De-Recognition) ;"lrs[t (Unadjusted quoted) d"No hgfpF5 .
ljQLo ;DklQsf] ckn]vf°g
ha a}s+ sf] ljQLo ;DklQaf6 gub k|jfxsf] cg'alGwt tx @ M tx @ d"Nof°gx? eGgfn] p:t} pks/0fx?sf]
clwsf/ (Contractual Right) ;dfKt x'G5 jf ha a}s
+ n] ;lqmo of lglis[o ahf/df /x]sf] pb[t d"NonfO{ cfwf/
sf/f]af/df cg'alGwt gub k|jfx k|fKt ug]{ clwsf/ dfgL Pp6f df]8n cg';f/ dfkg ul/G5 . df]8n tof/
x:tfGt/0f u5{ h;df ljQLo ;DklQsf] ;a} hf]lvd / ubf{ ;Dk"0f{ cfutx? (Input) k|i6 ?kdf JofVof x'g] u/L
k|ltkmn x:tfGt/0f x'G5 jf h;df a}s
+ n] g t k|ltkmn tof/ ug'{ k5{ .
x:tfGt/0f u5{ g t hf]lvd x:tfGt/0f u5{ t/ ljQLo
;DklQsf] lgoGq0f /fVb}g To;a]nf a}s + n] ljQLo tx # M tL ljQLo pks/0f hxfF Ps jf Ps eGbf a9L
;DklQnfO{ ckn]vf°g u5{ . cjnf]sg ug{ g;lsg] (unobservable) cfwf/x? k|of]u
eO{ dfkg x'G5g\ .
x:tfGt/0f ul/Psf] ljQLo ;DklQdf s'g} klg :jfy{ h'g
a}s
+ åf/f agfOPsf] jf sfod /flvPsf] 5 eg] o;nfO{ + n] ljQLo pks/0fsf] fair value Tof] pks/0fsf]
a}s
5'§} ;DklQ jf bfloTjsf ¿kdf n]vf°g ul/G5 . ljQLo ;lqmo ahf/df ;"rLs[t d"Nox¿ k|of]u pknAwtfsf]
;DklQsf] ckn]vf°gdf ;DklQsf] -jf x:tfGt/0f cfwf/df dfkg ub{5 . olb ;"rLs[t d"Nox¿ ;lhn};uF
;DklQsf] c+z ljlgof]hg ul/Psf] /sd_ / k|fKt k|ltkmn / lgoldt ¿kdf pknAw 5g\ eg] ahf/nfO{ ;lqmo
-h;df s'g} gofF ;DklQ ;dfj]z u/L gofF bfloTj 36fO_ dflgG5 / arm's length sf] cfwf/df jf:tljs / lgoldt
sf] leGgtf gfkmf jf gf]S;fgdf n]vf°g ul/G5 . ¿kdf x'g] ahf/ sf/f]af/ k|ltlglwTj ub{5 . olb Ps
ljQLo pks/0fsf] nflu ahf/ ;lqmo 5}g eg] a}s + n]
ljQLo bfloTjsf] ckn]vf°g d"Nof°g ljlw k|of]u u/L fair value :yfkgf ub{5 . d"No
bfloTj ekf{O{ ul/of] jf /2 ul/of] jf Dofb ;dfKt eof] lgwf{/0f ljlwdf hfgsf/, OR5's kf6L{x¿ -olb pknAw
eg] ljQLo bfloTj ckn]vf°g ul/G5 . hxfF ljBdfg 5_ aLrsf arm's length sf/f]af/ ;dfj]z x'G5 .
ljQLo bfloTj Ps} C0fbftfaf6 c? laleGg zt{x¿ jf
ljBdfg bfloTjsf ;t{x¿df kof{Kt ;+zf]wg ul/Psf] k|f/lDes n]vf°g ubf{ ljQLo pks/0fsf] fair value sf]
106
pQd k|df0f eg]sf] sf/f]af/ d"No xf] -cyf{t lbOPsf] jf a}s
+ n] shf{ ;fk6Lsf] / e'QmfgL ldlt;Dd wf/0f ul/Psf]
k|fKt ul/Psf] k|ltkmnsf] fair value_ . oBlk k|f/lDes nufgL lwtf]x¿sf] xfgLsf] k|df0f k[ys ;DklQ /
klxrfg / n]vf°gdf ljQLo pks/0fsf] fair value o;sf] ;fd"lxs:t/ b'ad} f txdf ljrf/ ub{5 . ;a} k[ys ¿kdf
sf/f]af/ d"Nodf leGg x'g ;S5 . olb To:tf fair value dxTjk"0f{ ;fk6Lx? / kl/zf]lwt nfutdf dfkg ul/Psf
pxL pks/0fdf xfnsf] cGo k|ToIf ahf/ sf/f]af/sf] nufgL lwtf]x? ljz]if xfgLsf] nflu d"Nof°g ul/G5 .
;fy t'ngf u/]/ k|dfl0ft ul/Psf] 5 -;+zf]wg lagf_ jf ljz]if xfgL n]vf°g gePsf shf{ ;fk6Lx?sf] xsdf
d"Nof°g ljlw k|of]u u/L Variable df s]jn k|ToIf ahf/ ;fd'lxs ?kdf xfgL gf]S;fgL d"Nof°g ul/G5 .
af6 cf+s8f ;dfj]z ul/Psf] 5 eg] ta leGgtf z'?jftL
klxrfg / n]vf°gdf gfkmf jf gf]S;fgdf klxrfg / kl/zf]lwt nfutdf dfkg ul/Psf Psn ?kdf dxTjk"0f{
n]vf°g ul/G5 . cGo kl/l:yltdf leGgtf gfkmf jf gePsf shf{ ;fk6L tyf kl/zf]lwt nfutdf dfkg
gf]S;fgdf t'?Gt n]vf°g x'bF g} t/ pko'Qm cfwf/df jf ul/Psf nufgL ;'/If0fkqx?nfO{ kl/;f]lwt nfutdf
pks/0fsf] cfo' el/df n]vf°g x'G5 jf ha pks/0f dfkg ul/Psf p:t} vfn] hf]lvd rl/q ePsf shf{
;fl6G5 a]lrG5 jf x:tfGt/0f x'G5 . ;fk6L / kl/;f]lwt nfutdf dfkg ul/Psf nufgL
;'/If0fkqx? ;Fu} /fv]/ ;fd"lxs ?kdf d"Nof°g ul/G5 .
;a} ;"lrs[t gePsf :jk"hF L nufgL nfutdf n]vfÍg cGo ljQLo ;DklQsf] Iflt k/LIf0f cfGtl/s / af≈o
ul/Psf] 5 jf;nftsf] ldlt;Dd k|j4{s z]o/sf] ;"rsf+s lg/LIf0f u/L jflif{s ?kdf ul/G5 .
u}/Jofkf/nfO{ Wofgdf /fvL o:tf] z]o/sf] ahf/ d"No
ls6fgsf ;fy lglZrt ug{ ;lsb}g . t;y{, o:tf ;fd"lxs Ifltsf] cf+sng ubf{ a}s + n] C0f gltg]{ ;Defjgf
nufgLx? k/n d"Nodf gf]S;fgL 36fO{ n]vfÍg ul/G5 . (Probability of Default) k'g:{ yfkgfsf] ;do / gf]S;fg
/sdsf] P]ltxfl;s k|jl[ Qx¿sf] (Historical Trend)
#=$=# xfgL (Impairment) tYof+sLo df]8n k|of]u ub{5 . gf]S;fg b/x¿ / eljiosf]
k|To]s l/kf]l6{ª ldltdf a}s + n] ;DklQdf xfgL ePsf] jf k'gk|fK{ tLsf] ck]lIft ;do lgoldt ¿kdf jf:tljs
gePsf] s'g} ;+st] 5 ls 5}g egL d"Nof°g u5{ . olb kl/0ffdx¿sf] lj¿4 a]Grdfs{ x'G5g\ .
s'g} ;+st] 5 eg] k'gk{ f| lKt of]Uo /sd lgwf{/0f ul/G5 .
ljQLo ;DklQ jf ljQLo ;DklQsf] ;d"xdf xfgL gf]S;fgL s_ kl/zf]lwt nuftdf dfkg ul/Psf] ;DklQdf xfgL
n]vf°g ul/G5 olb ;DklQsf] k|f/lDes n]vf°gkl5 x'g] gf]S;fg
Ps jf a9L 36gfx¿sf] kl/0ffdsf] ¿kdf xfgLsf] kl/zf]lwt nfutdf n]vf°g ul/Psf] ljQLo ;DklQx¿
h:t} a}s
+ af6 afFsL /sd u|fxsnfO lbOPsf] shf{ ;fk6L
j:t'ut k|df0f 5 -gf]S;fg 36gf_ / Tof] gf]S;fg 36gf / e'QmfgL cjlw;Dd wf/0f ul/Psf] nufgLsf] k|f/lDes
-jf 36gfx¿_ sf sf/0f ljQLo ;DklQ jf ljQLo n]vf°gkl5 Ps jf Ps eGbf a9L 36gfsf] sf/0f
;DklQ ;d"xsf] cg'dflgt eljio gubL k|jfxdf s'g]} Iflt ePsf] xf] eGg] 7f]; k|df0f eP xfgL gf]S;fg
k|efj 5 ls 5}g egL ljZj;gLo cg'dfg ug{ ;lsG5 . n]vf°g ul/G5 . xfgLsf] /sd ;DklQsf] lstfaL /sd
/ C0faf6 k'gk|fK{ tL ug{ ;lsg] /sdsf] leGgtfaf6
xfgLsf] j:t'ut d"Nof°gsf] nflu a}s + n] lgDgfg';f/sf] lgsflnG5 .
a'bF fnfO{ Wofg lbG5 M
l C0fLn] Jofh jf ;fFjfsf] e'QmfgL glt/]sf] eP 7"nf] /sd shf{ ;fk6Lsf] ?kdf lbOPsf] u|fxs -7"nf %)
l ha C0fLn] 6f6 klN6Psf] 3f]if0ff ug]{ k|lqmof cl3 C0fL / g]kfn /fi6« a}s + sf] lgb]z
{ g cg';f/ v/fa egL
a9fpF5 ta p;sf] bfloTj ekf{Od{ f l9nfO{ jf d'Qm x'G5 . n]vf°g ul/Psf C0fL_ Psn xfgL k/LIf0fsf] qmddf
l hxfF a}s + n] C0fLsf] shf{ bfloTjsf] ;Gbe{df k'gk|fK{ tLsf] d"Nof°g ul/G5g\ . C0fL;Fu a}s + sf] k'/fgf cg'ej /
sfg'gL ;xf/f ;'? u5{ . lwtf]af6 k|fKt ug{ ;lsg] d"Nosf] cfwf/df C0fsf]
l hxfF a}s+ n] C0fsf] ef}lts dfkmL jf tf]lsPsf] e'QmfgLx¿sf] k'gM k|fKtL d"No cg'dfg ul/G5 . h;nfO{ Psn ?kdf
:yugsf] sf/0f k|bz{g u5{ / cfly{s bfloTj sd x'g] d"Nof°g ul/Psf] 5 / h;sf] xfgL 5}g ltgnfO{ p:t}
u/L bfloTjsf] k'g;{/+ rgfsf] nflu ;xdlt hgfpF5 . k|sl[ tsf] shf{ hf]lvd ljz]iftf ePsf ljQLo ;DklQsf]
l tYof°n] ljQLo ;DklQ ;d"xsf] eljiosf] cg'dflgt gub ;d'xdf /flvG5 / xfgLsf] nflu ;fd"lxs ?kdf d"Nof°g
k|jfxdf dfkgof]Uo sdL 5 eGg] ;"lrt u/] klg oBkL ul/G5 . Joj:yfkgsf] k'/fgf cg'ejsf] cfwf/df x/]s
cem} k[ys ljQLo ;DklQsf] sdL n]vf°g ug{ ;Sb}g . ;d"xdf juL{s/0f ul/Psf] shf{ ;fk6Lsf] shf{ hf]lvdsf]

tYof+s lgwf{/0f ul/G5 . xfgLsf] ;fd"lxs d"Nof°g ug]{ Jofkfl/s ;DklQ / bfloTjx?nfO{ k|f/lDes ?kdf fair
p2]Zon] a}s+ n] ;DklQnfO{ ^ a[xt\ Products sf] ?kdf value df n]vf°g ul/G5 / To;kl5 ljQLo cj:yfsf]
afF8s
] f] 5 M ljj/0fdf fair value df dfkg ul/G5 eg] sf/f]af/
vr{nfO{ gfkmf jf gf]S;fgdf n]vf°g ul/G5 . fair value
!_ cfjlws -6d{_ nf]g df ePsf] ;a} kl/jtg{nfO{ gfkmf jf gf]S;fg vftfdf
@_ ;jf/L shf{ fair value dflgP h;/L g} v'b Jofkfl/s cfDbfgLsf]
#_ 3/ shf{ ?kdf n]vf°g ul/G5 .
$_ JolQmut shf{
%_ rfn" k"hF L shf{ #=^ Jo"TkGg ;DklQ / bfloTjx?
^_ cGo hf]lvd Joj:yfkg p2]Zosf nflu /flvPsf] Jo"TkGgdf tL
;a} Jo'TkGg ;DklQx¿ / bfloTjx¿ ;dfj]z x'G5g\ h'g
g]kfn /fi6« a}s+ sf] shf{ gf]S;fgL Joj:yf sf/f]af/ ;DklQ jf bfloTjsf ¿kdf juL{st[ ul/Psf
a}s+ sf] lgb]z
{ gdf pNn]v ul/Psf] Go"gtd shf{ gf]S;fg x'Ggg\ . hf]lvd Joj:yfkg p2]Zosf nflu /flvPsf
Joj:yfsf] cwLgdf /xL a}s + sf] shf{ gf]S;fg Joj:yf Jo"TkGgx? ljQLo l:yltsf] ljj/0fdf fair value df dfkg
shf{ Ifltsf] ;3gtfsf] cfwf/df Joj:yfkgn] u/]sf] ul/G5 .
d"Nof°gdf cfwfl/t 5 . /fi6« a}s + sf] lgb]z
{ g cg';f/
shf{ tyf ;fk6Lsf] juL{s/0fsf] cfwf/df !=# k|ltzt nfut nfex¿nfO{ Wofgdf /fVb} a}s
+ n] hf]lvd
b]lv !)) k|ltzt ;Defljt gf]S;fgLsf] Joj:yf ul/Psf] Joj:yfkgsf] nflu /flvPsf s]xL Jo"TkGgx?sf
x'G5 . nflu x]h n]vf ckgfPsf] 5}g .
c+uLsf/ ul/Psf] gLlt (Policies Adopted) #=& ;DklQ / pks/0f

ICAN n] Hff/L u/]sf] Carve out ;"rgf cg';f/ a}s + n]
shf{ / ;fk6Lx?df xfgL dfkg u/]sf] x'G5 / xfgL s_ n]vf°g / dfkg
Joj:yfsf nflu g]kfn /fi6« a}s
+ n] tf]ss
] f] dfkb08 / ;DklQ / pks/0fsf] nfut Asset sf] ¿kdf n]vf°g
NFRS ( df lgwf{l/0f ul/P adf]lhd h'g a9L x'G5 To;} ul/G5 olb M
cg';f/ ul/G5 . l pks/0f;Fu ;DalGwt eljiosf cfly{s nfex¿ ;+:yfdf
k|jflxt x'g] ;Defjgf /xG5 /,
v_ cGo lj:t[t cfDbfgLdfkm{t fair value df juL{s/0f l ;DklQ / pks/0fsf] nfut ljZj;gLo ?kdf dfkg ug{
ul/Psf] ljQLo ;DklQsf] Iflt ;lsG5 .
O{lSj6L pks/0fdf nufgL afx]s FVTOCI df dfkg
ul/Psf] ljQLo ;DklQsf] nflu xfgLsf] cfwf/e"t nfutn] s'g} vl/b d"Nodf / Jofkf/ 5"6 36fPkl5sf] s'g}
k|df0f e]l6G5 5 eg] ;l~rt gf]S;fg -kl/zf]lwt nfut klg u}/lkmtL{of]Uo s/x¿ / Joj:yfkgn] rfx]sf] :yfgdf
/ xfnsf fair value sf] aLrsf] leGgtfsf_ ¿kdf dfkg NofpFbfsf] vr{ / rfx]sf] zt{df ;~rfng ubf{ x'g] o:tf
ul/G5 . k|f/lDes?kdf gfkmf jf gf]S;fgsf] ljj/0fdf cGo nfutx¿ klg ;d]65\ .
;dfj]z ul/Psf] xfgL gf]S;fgnfO{ O{lSj6Laf6
k'gj{uL{s/0f ub}{ gfkmf jf gf]S;fgdf /flvG5 . s'g} O{lSj6L :jlgdf{0f ;DklQsf vr{x? lgDgfg';f/ 5g\ M
pks/0fsf] fair value cy{k0" f{ jf nfdf] ;do;Dd To;sf] l lgdf{0f ;fdu|L / k|ToIf >d vr{
nfut eGbf tn uPdf To;nfO{ O{lSj6L ;'/If0fkqsf] l k|ToIf ¿kdf k|of]hgsf] nflu sfd ug]{ cj:yfdf
xfgL egL dflgG5 . ;DklQx¿ Nofpgsf] nflu cfjZos kg]{ s'g} klg
nfutx?,
#=% Jofkfl/s ;DklQ l ;DklQ of]Uotfsf] nflu x'g] borrowing costs
Jofkfl/s ;DklQ / bfloTjx? tL ;DklQ / bfloTjx? x'g\
h;nfO{ a}s
+ n] lgs6 eljiodf laqmL ug]{ jf k'gv{l/b ug]{ ;a} ju{sf] ;DklQ / pks/0fx¿sf] nflu a}s + n] nfut
p2]Zo;lxt lnPsf] x'G5 jf 5f]6f] cjlwsf] nfe lngsf] df]8n] c+uLsf/ u5{ . g t ;DklQ / pks/0fsf] ju{
nflu a}s
+ n] /fv]sf] x'G5 . k'gd{N" of°g df]8n] df dfkg ul/G5 g t pgLx¿sf] fair
value l/kf]l6{ª ldltdf dfkg ul/Psf] x'G5 . ;DklQ
108
/ pks/0fx? cost less accumulated depreciation gfkmf jf gf]S;fg vftfdf ;dfj]z x'g]5 . nfenfO{
and any accumulated impairment losses df dfkg cfDbfgLsf] ¿kdf juL{s[t ul/Psf] x'Fb}g .
ul/G5 .
x|f;s§L pkof]uL cfo' / cjlzi6 d"No 5 eg] k|To]s
;DalGwt pks/0fx¿sf] sfo{Ifdtf;Fu cleGg x'g] l/kf]l6{ª ldltdf ;dLIff / ;dfof]hg ul/G5 .
;Ç6j]o/, pks/0fsf] c+zsf] ¿kdf k"hF Ls[t x'G5 . vr{
u/]sf] eP/ eljiosf cfly{s nfex¿ a}s + df k|jflxt x'G5 #=* cd"t{ ;DklQ÷VoftL
eg] vl/bkl5sf] vr{sf] k"hF Ls/0f ul/G5 . ;DklQnfO{
rnfodfg /fVgsf] nflu ul/g] dd{t ;Def/ pTkGg vr{ VoftL
x'g\ . ;DklQ / pks/0f gi6 ubf{ s'g} nfe jf gf]S;fgsf] Jofkf/ PsLs/0fdf clwu|x0f of]Uo v'b ;DklQsf] fair
cGo cfodf n]vf°g ul/G5 . value vl/b d"No eGbf clws ePdf clws ePsf]
/sdnfO{ VoftLsf] ?kdf n]vf°g ul/G5 . k|f/lDes
?= !),))) eGbf sdsf] ;DklQnfO{ pgLx?sf] hlt;'s} n]vf°gkl5, ;fv s'g} ;l~rt Iflt gf]S;fgnfO{ 36fO{
cfo" ePklg vl/b ul/Psf] jif{df vr{ n]vf°g (Charged dfkg ul/G5 .
off to Revenue) ul/G5 .
VoftLsf] Ifltsf] jflif{s ?kdf ;dLIff ul/G5 / olb
v_ k"hF Lut sfo{ k|ult 36gf jf kl/l:yltdf cfPsf] kl/jt{gn] efl/t d"Nodf
lgdf{0ffwLg l:y/ ;DklQ / k|of]usf] nflu tof/ gePsf Iflt k'u]sf] ;+s]t ePdf Tof] eGbf sd ;dodf klg
;DklQx?sf] nfut k"hF Lut sfo{ k|ultdf b]vfOG5 . ;dLIff ul/G5 .
u_ x|f;s§L Joj:yf clwu|x0f ul/Psf] cd"t{ ;DklQ

cGo ;DklQdf x|f;s§L Joj:yfkg cg';f/ ;db/ ljlw cd"t{ ;DklQx? k|f/lDes ?kdf fair value df dfkg
k|of]u u/]/ cg'dflgt pkof]uL cfo'sf nflu vr{sf] ul/G5 / ck]lIft pkof]uL cfo'sf] cfwf/df kl/zf]lwt
afFsL c+z ljlgof]hgsf] ¿kdf u0fgf ul/G5 . h'g o; d"Nodf dfkg ul/G5 .
k|sf/ 5 M
;d"x pkof]uLtf cjlw -jif{df_ sDo'6/ ;Ç6j]o/

sDo'6/ % vl/b ul/Psf] sDKo'6/ ;Ç6j]o/ nfO;]G;x?sf] vl/b
kmnfd] kmlg{r/ !) ug{ / k|of]u ug{ ;lsg] cj:yfdf Nofpgsf] lglDt
sfof{no pks/0f !) nfu]sf] nfutnfO{ k"“lhs[t ul/G5 . eljiodf ;Ç6j]o/n]
;jf/L ;fwg !) nfut eGbf nfe a9L eO{ cfly{s kmfObf x'g] ;Defjgf
sf7sf] kmlg{r/ % ePdf ;Ç6j]o/sf] ljsf;;Fu ;DalGwt vr{nfO{ k"“lhs[t
ejg %) ul/G5 . sDKo'6/ ;Ç6j]o/ nfut ck]lIft pkof]uL
cfo'sf] cfwf/df kl/zf]lwt x'G5g\ . ;Ç6j]o/ sfod ug{
lnhxf]N8 !% jif{ jf k§f cjlw dWo]sf] sd
;DalGwt nfutx¿ vr{sf] ¿kdf klxrfg / n]vf°g
ul/G5 .
x|f;s§Lsf] k|of]hgsf nflu pNn]v ldlt dlxgfsf] !$
cf}+ lbg;Dd vl/b ul/Psf] ;fdfgsf] nflu ! ut] / ;Ç6j]o/ k|of]usf] nflu pknAw ePsf] ldltb]lv o;sf]
To;kl5 vl/b ul/Psf] ;fdfgsf] nflu csf]{ dlxgfsf] ! cg'dflgt pkof]uL cfo'df l;wf/]vf z}nLdf gfkmf jf
ut] dflgG5 . gf]S;fgdf kl/zf]lwt ul/G5 . xfnsf] / t'ngfTds
cjlwsf] nflu ;Ç6j]o/sf] cg'dflgt pkof]uL cfo' %
3_ ckn]vf°g jif{ xf] . !) xhf/ ?k}ofF eGbf sd nfutsf] /fh:j
;DklQ / pks/0fx¿sf] lstfaL /sd ;DklQ / vr{sf] ?kdf n]lvG5 .
pks/0fx? lg;u{ ubf{ jf eljiodf s'g} cfly{s
nfesf] cfzf gx'g] x'Fbf ckn]vf°g ul/G5 . ;DklQ / kl/zf]wg ljlwx¿, pkof]uL cfo'x¿ / cjlzi6 dfgx¿
pks/0fsf] ckn]vgaf6 pTkGg x'g] nfe jf gf]S;fg k|To]s l/kf]l6{ª ldltdf ;dLIff ul/G5 / pko'Qm 5 eg]

;dfof]hg ul/G5 . / l/kf]l6{ª ldltdf sfof{Gjogdf /x]sf] jf Jojxfl/s
?kdf sfof{Gjog ePsf] s/ b/x? k|of]u u/L cg'dfg
#=( laqmLsf nflu /flvPsf u}/ rfn' ;DklQ / nufgL ug{ ;lsg] ltg{' kg]{ jf kfpg' kg]{ s/ xf] .
;DklQ
v_ :yug s/
nufgL ;DklQ :yug s/ ljQLo l/kf]l6{ª p2]Zosf] nflu ;DklQ /
ef8fdf nufpg jf d"No j[l4 x'g] ck]Iff ;lxt bfloTjx¿sf] lstfaL /sd / s/ k|of]hgsf nflu k|of]u
;fwf/0ftof laqmLsf] nflu / cfÇgf] :jk|of]usf] nflu ul/Psf] /sdaLr c:yfoL leGgtfsf] ;Gbe{df n]vf°g
g/flvPsf] hUuf jf ejg jf b'a} nufgL ;DklQ x'g\ . ul/G5 .
nufgL ;DklQnfO{ nfut d"Nodf dfkg ul/Psf] 5 .
shf{sf] ;'/If0f ;sf/ ul/ k|fKt ;DklQsf] k~rs[t :yug cfos/ a}+sdf nfu" x'g] s/ b/sf] k|of]u u/L
d"NonfO{ ;DklQsf] nfut d"Nosf] ¿kdf lnOG5 . lgwf{/0f ul/G5 h'g ;DalGwt :yug cfos/ ;DklQ
nufgL ;DklQx¿nfO{ lg;u{ u/]df jf eljiodf cfly{s ;fsf/ ePkl5 jf :yug cfos/ bfloTj r'Qmf
nfex¿ ck]lIft gePdf ckn]vfÍg ul/G5 . nufgL x'Fbf l/kf]l6{ª ldltdf nfu" x'g] ck]Iff ul/Psf] x'G5 .
;DklQsf] ckn]vgaf6 pTkGg x'g] gfkmf gf]S;fgnfO{ eljiodf s/of]Uo d'gfkmf pknAw x'g] ;Defjgf eP
gfkmf–gf]S;fg ljj/0fdf klxrfg ul/G5 . ha nufgL :yug s/ ;DklQx¿ n]vf°g ul/G5 h;sf] nflu
;DklQsf] k|of]u kl/jt{g eO{ ;DklQ / pks/0fsf] c:yfoL leGgtfx¿ k|of]u ug{ ;lsG5 .
¿kdf k'gMjuL{s[t x'G5, k'gMjuL{s/0fsf] ldltdf o;sf]
plrt df]nnfO{ ;DklQ / pks/0fsf] nfut d"Nosf] #=!! lgIf]k, hf/L ul/Psf C0f ;'/If0fkq / ;'/If0f
?kdf lnOG5 . g/flvPsf] ;xfos cfjlws C0f
s_ lgIf]k
laqmLsf nflu /flvPsf] u}/rfn' ;DklQ a}+sn] cfÇgf u|fxsx?af6 rfn" cfjlws art / dflh{g
u}/rfn" ;DklQ -hdLg / ejg_ / lgsf;f ;d"xx? vftfx? cGtu{t art :jLsf/ ub{5 . oL sf/f]af/x?
(Disposal groups) -lgsf;f ;d"xsf] ;DklQ / bfloTj a}+ssf] lstfadf /]s8{ ul/Psf] x'G5 / kl/0ffd:j¿k
b'j} nfO{ laqmLsf] nflu /flvPsf] egL juL{s/0f ul/G5 of] a}+ssf] bfloTj x'G5 / a}+sn] lgIf]kstf{nfO{ ltg'{kg]{
/ laqmLsf] nflu ltgsf] lstfaL / fair value dWosf] /sdsf] ?kdf /flvPsf] x'G5 .
sddf dfkg ul/G5 olbM
v_ hf/L ul/Psf] C0f ;'/If0fkq
c_ k|fylds ?kdf ltgsf] lstfaL /sd laqmLaf6 k|fKt o;df l8j]~r/, aG8 jf a}+såf/f Hff/L cGo ;'/If0fkqx¿
ul/G5, 5g\ . lgIf]k / Hff/L ;'/If0fkq ;'?df fair value df
cf_ ltgLx? jt{dfg cj:yfd} laqmLs]f nflu pknAw x'G5g\, j[l4zLn (Incremental) k|ToIf sf/f]af/ nfut 36fP/
O_ ltgsf] laqmL ;Defjgf pRr 5 . dfkg ul/G5, / kl5 k|efjsf/L Jofhb/ ljlw k|of]u u/L
laqmLsf] nflu /flvPsf] egL k|f/lDes juL{s/0f ug'{ dfkg ul/G5, Tof]afx]s ;d"xn] gfkmf jf gf]S;fgdfkm{t
cl3 ;DklQx¿ -jf ;DklQ / bfloTjx¿ Ps lgsf;f fair value df bfloTj lgwf{/0f u5{ .
;d"xdf_ dflysf] j0f{g ul/Psf] n]vf gLltsf cg';f/
dfkg ul/G5 . t/, a}+sn] hf/L u/]sf] l8j]~r/x? u|fxs lgIf]k eGbf
clwg:y x'G5 .
#=!) cfos/
s/ Joon] jt{dfg / :yug s/ vr{ ;dfj]z u_ ;'/If0f g/flvPsf] ;xfos cfjlws C0f
ub{5 . k|ToIf O{lSj6Ldf jf cGo lj:t[t cfodf n]vf°g ;xfos bfloTjx? tL bfloTjx¿ x'g\ h'g winding up x'Fbf
gul/Psf] xb;Dd eg] rfn" s/ / :yug s/nfO{ gfkmf lgIf]kstf{sf] bfaLdf ;xfos x'G5g\ . a}+s;Fu To:tf] s'g}
jf gf]S;fgdf n]vf°g ul/G5 . ;xfos bfloTj 5}g .
s_ rfn" s/ #=!@ Joj:yfx?

rfn" s/ pQm jif{sf] s/of]Uo cfDbfgL jf gf]S;fgdf ljutsf] 36gfsf] kl/0ffd:j¿k a}+ssf] jt{dfg l;lh{t
cl3Nnf] jif{sf] s/ ltg'{kg]{ b/df ePsf] s'g} ;dfof]hg jf sfg'gL bfloTj 5 h'g ljZj;gLo tl/sfn] gfKg
110
;lsG5 / bfloTj k"/f ug{ cfly{s nfesf] alxu{dg x'G5
eg] To;nfO{ a}+sn] Joj:yfsf] ?kdf n]vf°g u5{ . ljutsf] u|fxsaf6 x'g] shf{ tyf ;fk6Lsf] k|f/lDes z'NsnfO{
36gfsf] kl/0ffd:j¿k l;h{gf ePsf] s'g} ;Defljt shf{ cjlwdf kl/zf]wg ul/b}g . t/ a}+sn] hf/L
jf jt{dfg bfloTjsf] sf/0f ;DejtM ;+;fwgx¿sf] l8j]~r/df eg] k|efjsf/L Jofh ljlw ckgfPsf] 5 .
alxu{dgsf] cfjZostf kb}{g ta ;Defljt bfloTjsf]
k|s6Ls/0f ul/G5 . ha ;Defljt jf jt{dfg bfloTj a}+sn] shf{ ;fk6Ldf ePsf] Jofh cfDbfgLnfO{ Jofh
5 / h;sf] sf/0fn] ;|f]tsf] alxu{dgsf] ;Defjgf cfDbfgL n]vf°g lgb]{lzsf, @)!( cg';f/ n]vf°g
sd 5 To:tf] cj:yfdf s'g} Joj:yf jf k|s6Ls/0f u/]sf] 5 . ;f]xL adf]lhd a}+sn] ? ^,@^@,!&) a/fa/sf]
(Disclosure) ul/Gg . Jofh cfDbfgL n]vf°g u/]sf] 5 .
ha Pp6f ;Demf}tfaf6 a}+sn] lng] ck]lIft nfex¿ shf{ ;fk6L

;Demf}tf cGtu{t cfÇgf] bfloTj k"/f ug{sf] nflu gfkmf jf gf]S;fg dfkm{t fair value df dfkg ul/Psf]
Joxf]g'{kg]{ ckl/xfo{ nfuteGbf sd x'G5 tj cToflws ljQLo pks/0fx¿sf] fair value df cfPsf] kl/jt{gaf6
;Demf}tf (onerous Contract) sf] Joj:yf n]vf°g pTkGg nfe / gf]S;fg logLx? pTkGg x'g] cjlwdf
ul/G5 . gfkmf jf gf]S;fgsf] ljj/0fdf ;dfj]z ul/G5 . gfkmf
jf gf]S;fgdfkm{t fair value df dfkg ul/Psf] ljQLo
Joj:yfx¿ k|To]s l/kf{l] 6Ë ldltdf ;dLIff ul/G5 / pks/0fdf ;Demf}tf cg';f/sf] Jofh cfo / Jofh
jt{dfgsf] pQd cg'dfgnfO{ k|ltlalDat ug{ ;dfof]lht vr{nfO{ v'b Jofh cfo leq n]vf°g ul/Psf] 5 .
ul/G5 . bfloTj r'Qmf ug{sf] nflu ;|ft] x?sf] alx{udg
cfjZos kg]{ bL3{sflng ;Defjgf 5}g eg] Joj:yf lkmtf{ v_ z'Ns / sldzg
x'G5 . /sd k|fKt ug]{ ;Defjgf 5}g eg] ;Defljt s'g} ;]jf lb+bf jf dxTjk"0f{ sfd ubf{ lgwf{/0f
;DklQnfO{ ljQLo ljj/0fdf pNn]v ul/Gg . olb ul/Psf] d"No eGbf nfe a9L ePsf] cj:yfdf z'Ns
;Defjgf 5 eg] ;Defljt ;DklQsf] v'nf;f ul/G5 . t/ / sldzgx? accrual cfwf/df n]vf°g ul/G5 . ha
;Defljt ;DklQnfO{ lg/Gt/ d"Nof°g ul/G5 / cfly{s accrual cfwf/df n]vf°g ul/Psf] z'Ns / sldzgsf]
nfe k|fKt x'g] lglZrt 5 eg] pQm ;DklQ / ;DalGwt nfut nfe eGbf a9L x'G5, To:tf] cj:yfdf sldzg /
cfonfO{ kl/jt{g cfpg] cjlwdf n]vf°g ul/G5 . z'NsnfO{ ;f]xL jif{ vr{ n]vf°g ul/G5 .
u_ nfef+z cfDbfgL
#=!# /fh:j n]vf°g nfef+z k|fKt ug{ clwsf/ :yflkt ePsf] cj:yfdf
/fh:j eg]sf] OsfO{sf] ;fwf/0f ultljlwx¿sf] qmddf nfef+z cfo n]vf°g ul/G5 .
pTkGg x'g] cfly{s nfex¿sf] k|jfx xf] h'g nfex?n]
O{lSj6L ;xefuLx?sf] of]ubfgsf] sf/0fn] afx]s 3_ v'b sf/f]jf/ cfDbfgL
O{lSj6Lsf] j[l4 x'G5 . cfly{s nfex? a}+sdf k|efljt x'g] v'b sf/f]jf/ cfDbfgL cGt{ut Jofkf/ ;DklQ /
/ e/kbf]{ ?kdf dfkg ug{ ;lsg] sf/f]jf/nfO{ /fh:jdf bfloTjx¿;Fu ;DalGwt gfkmf / gf]S;fgsf] leGgtf fair
n]vf°g ul/G5 . h'g cfosf] k|fKtL ;Dej 5}g ltgnfO{ value df cfPsf] kl/jt{g, Jofh, nfef+z / ljb]zL
cfo cjlwdf n]vf°g ul/Psf] 5}g . a}+ssf] cfodf Jofh ljlgdo leGgtf ;d]t ;dfj]z x'G5 .
cfo, z'Ns / sldzg, ljb]zL ljlgdo cfo, sf8{x¿sf]
cfDbfgL, /]ld6\ofG; cfo, a}+sO{G:of]/]G; sldzg cflb ª_ gfkmf jf gf]S;fgdfkm{t fair value df dfkg ul/Psf
;dfj]z 5 / cfo n]vf°gsf] cfwf/x¿ lgDgfg';f/ cGo ljQLo pks/0faf6 x'g] v'b cfDbfgL
5g\ M gfkmf jf gf]S;fg dfkm{t fair value df dfkg ul/Psf
cGo ljQLo pks/0faf6 x'g] v'b cfDbfgL / hf]lvd
s_ Jofh cfDbfgL Joj:yfkgsf nflu k|of]u x'g] gfkmf jf gf]S;fg To;
kl/zf]lwt nfutdf dfkg ul/Psf] ljQLo ;DklQ / zLif{s cGt{ut n]vf°g ul/Psf] 5 . o; cGt{ut
laqmLsf] nflu pknAw ;DklQaf6 x'g] Jofh cfDbfgLnfO{ ;a} fair value df cfPsf] kl/jt{gx¿, Jofh, nfef+z
a}+ssf] ;fljssf] Jofhb/df n]vf°g ul/G5 h'g / ljb]zL ljlgdo leGgtfx? ;dfj]z ul/Psf] 5 .
k|efjsf/L Jofhb/;Fu nueu ;dfg x'G5 .

#=!$ Jofh vr{ ?kdf cfÇgf] tnasf] !) k|ltzt /sd of]ubfg u5{g\
lgIf]k nufot ;a} ljQLo bfloTjx¿df Jofh vr{ h;nfO{ o; zLif{sdf n]vf°g ul/G5 . a}+sn] cfÇgf]
k|efjsf/L Jofh b/ ljlw k|of]u u/]/ gfkmf jf gf]S;fgdf jflif{s of]ubfgafx]s ;~ro sf]ifsf] nflu cGo bfloTj
n]vf°g ul/G5 . ;a} Jofkf/ bfloTjdf Jofh Joo a}+ssf] dfGb}g .
Jofkf/ ;~rfngsf] nflu lgoldt vr{ dflgG5 / v'b
;DklQ cfo / Jofkfl/s ;DklQ / bfloTjx¿sf] fair cf_ kl/eflift nfe of]hgf
value df cGo ;a} kl/jt{gsf] ;fy k|:t't ul/G5 . kl/eflift nfe of]hgf kl/eflift of]ubfg of]hgf
afx]ssf] ;]jf kl5sf] nfe of]hgf xf] . kl/eflift
#=!% sd{rf/L nfe nfe of]hgfx¿sf] ;Gbe{df a}+ssf] v'b bfloTjx¿
k|To]s of]hgfsf] nflu eljiosf] nfesf] dfqfsf] cg'dfg
s_ cNksflng sd{rf/L nfe nufP/ 5'§} u0fgf ul/G5 . o; cGt{ut jt{dfg /
5f]6f] cjlwsf] sd{rf/L nfe bfloTjx¿ Discount gu/L cl3Nnf] ;dodf sd{rf/Lx¿n] pgLx¿sf] ;]jfsf]
dfkg ul/G5 / ;DalGwt ;]jf k|bfg ul/Psf] cfwf/df abnfdf u/]sf] sdfO{nfO{ jt{dfg d"No lgwf{/0f ug{
vr{ ul/G5 . af]g; P]g, @)#) n] tf]s]sf] af]g; Discount ul/G5 . o;sf] n]vf°g ubf{ ljut ;]jf
cGtu{t klg ltg{' kg]{ bfloTj /sdnfO{ sd{rf/Låf/f nfutx¿ / of]hgf ;DklQx¿sf] fair value bfloTjdf
k|bfg ul/Psf] ljutsf] ;]jfsf] kl/0ffdsf] cfwf/df x'g 36fOG5 .
cfpg] bfloTj n]vf°g ul/G5 .
a}+sn] cGo lj:t[t cfodf t'?Gt kl/eflift nfe
cNksflng sd{rf/L ;'ljwfdf lgDg lnlvlt s'/f ;dfj]z of]hgfaf6 pTkGg x'g] :yug s/sf] ;a} ljdfl°t nfe
x'G5g -olb l/kf]l6{ª cjlwsf] cGTokl5 !@ dlxgfleq / v'b gf]S;fg / sd{rf/L jf gfkmf vr{df sd{rf/L
e'Qmfgof]Uo ePdf_ M nfe Joosf] kl/eflift nfe of]hgfdf ;DalGwt ;a}
l Hofnf, tna / ;fdflhs ;'/Iff of]ubfg vr{nfO{ n]vf°g u5{ . kl/eflift nfe of]hgf r'Qmf
l tnaL jflif{s labf / la/fdL labf ePsf] cj:yfdf a}+sn] To;sf] gfkmf cyjf gf]S;fg
l gfkmf afF8kmfF8 / nfef+z n]vf°g u5{ .
l u}/gub nfe
v_ ;]jf kl5sf] nfe O_ /2 nfe (Termination Benefts)

;]jf kl5sf] nfedf lgDglnlvt ljifox? ;dfj]z a}+sn] ;]jflgj[lQ ldltcl3 /f]huf/ ;dfKt ug]{ cf}krfl/s
x'G5g\ M lj:t[t of]hgfsf] nflu jf :j]lR5s Redundancy
x¿nfO{ k|f]T;fxg ug]{ k|:tfjsf] kl/0ffd:j¿k ;dflKt
c_ kl/eflift of]ubfg of]hgf nfe k|bfg ug]{ cf}krfl/s lj:t[t of]hgf cg';f/ /2
kl/eflift of]ubfg of]hgf ;]jfkl5sf] nfe of]hgf xf] . nfenfO{ vr{sf] ?kdf n]vf°g ul/G5 . cgfjZos
o; cGtu{t a}+sn] 5'§} of]ubfgnfO{ 5'§} ;+:yfdf e'Qmfg :j}lR5s Redundancy x¿sf] nflu /2 nfenfO{ Joosf]
ub{5 / yk /sd ltg{ s'g} sfg'gL jf /rgfTds bfloTj ¿kdf klxrfg / n]vf°g ul/G5, o;sf] nflu a}+sn]
x'Fb}g . kl/eflift of]ubfg of]hgfsf] bfloTjx¿ ;DalGwt :j}lR5s Redundancy sf] k|:tfj u/]sf] / of] k|:tfj
;]jfx¿ k|bfg ul/Psf] ;dodf sd{rf/L vr{sf] ¿kdf :jLsf/ ul/g] ;Defjgf /x]sf] 5 / :jLs[ltx¿sf]
klxrfg / n]vf°g ul/G5 . ;+Vofsf] e/kbf]{ cg'dfg ug{ ;lsg] cj:yf x'g' k5{ .
olb ;'ljwfx¿ l/kf]l6{Ë ldlt kl5 !@ dlxgf eGbf a9L
kl/eflift of]ubfg of]hgfdf x'g'kg]{ of]ubfg h'g sd{rf/Ln] e'Qmfg of]Uo eP xfnsf] d"Nodf Discount ul/G5 .
lbPsf] ;]jfsf] l/kf]l6{ª cjlwsf] !@ dlxgfkl5 ;Dd
e'QmfgL ePsf] x'Fb}g To;nfO{ Discount u/]/ jt{dfg #=!^ k§f
d"Nodf n]vf°g ul/G5 . ;~rfng k§f cGtu{t k§f e'QmfgL k§f cjlwdf ;db/
k|0ffnLsf] cfwf/df vr{sf] ¿kdf n]vf°g ul/G5 .
a}+ssf ;a} sd{rf/Ln] sd{rf/L ;~ro sf]ifaf6 nfe
k|fKt u5{g\ h'g kl/eflift of]ubfg of]hgf cGtu{t k5{ . #=!& ljb]zL d'b|f sf/f]af/
a}+s / sd{rf/Ln] b'j} k"j{lgwf{l/t b/ cg';f/ dfl;s ljQLo ljj/0fx? g]kfnL ?k}ofF -g]?_ df pNn]v ul/G5 .
112
ljb]zL d'b|fdf ePsf sf/f]af/x? k|f/lDes ?kdf sf/f]af/ k|f/lDes dfkgaf6 To;af6 x'g] s/ nfenfO{ ;dfof]hg
ePsf] ldltdf k|rlnt ;6xL b/df sfof{Tds d'b|fdf u/L 36fpg] ul/Psf] 5 . ;l~rt d'gfkmf / cGo
n]vf°g ul/G5 . ljb]zL d'b|fdf n]vf°g ul/Psf df}lb|s j}wflgs hu]8f sf]ifx? h:t} ;fdfGo hu]8f sf]if, k"FhL
;DklQ / bfloTjx? ljQLo ljj/0fsf] ldltsf] sfof{Tds r'Qmf sf]if, ljb]zL d'b|f ;6xL ;Gt'ng hu]8f sf]if,
d'b|f ;6xL b/df k'g?{kfGt/0f ul/G5 . o:tf] n]gb]gsf] lgodgsf/L hu]8f sf]if, nufgL ;dfof]hg hu]8f sf]if,
aGbf]a:tsf] kl/0ffd:j¿k ljb]zL ljlgdo af6 xg] nfe sd{rf/L tflnd tyf ljsf; sf]if, ;fdflhs pQ/bfloTj
/ gf]S;fg klxrfg / n]vf°g ul/G5 . u}/df}lb|s ;DklQ hu]8f sf]if O{TofbL ;dfj]z ul/Psf] 5 .
/ bfloTjx? P]ltxfl;s d"Nodf /flvPsf] 5 .
#=@! k|lt z]o/ cfDbfgL
#=!* ljQLo hdfgt / shf{ k|lta4tf a}+sn] cfÇgf] ;fwf/0f z]o/sf] nflu cfwf/e"t /
ljQLo hdfgt eg]sf] lglb{i6 C0f pks/0fsf] ;t{x¿ Diluted k|lt z]o/ cfDbfgL (EPS) tYof+snfO{ k|:t't
adf]lhd e'QmfgL ug{ c;kmn x'Fbf a}+sn] Ifltk"lt{ jfkt u/]sf] 5 . cfwf/ e"t EPS ;fwf/0f z]o/wgLx?sf]
lglZrt e'QmfgL lbg cfjZos kg]{ Ps ;Demf}tf xf] . nflu x'g] gfkmf cyjf gf]S;fgnfO{ ;f] cjlwsf] cGTodf
shf{ k|lta4tfx? eg]sf k"j{lgwf{l/t ;t{ adf]lhd shf{ /x]sf efl/t cf};t z]o/wgLsf] ;+Vofn] ljefhg u/L
lbg'kg]{ l:y/ k|lta4tf xf] . shf{ k|lta4tf eg]sf] To:tf] u0fgf ul/Psf] 5 .
k|lta4tf xf] hxfF a}+sn] u|fxsnfO{ shf{ lbg] p2]Zo Diluted EPS ;fwf/0f z]o/wgLx?sf nflu /x]sf] gfkmf
lglZrGt u/]sf] x'G5 jf u|fxssf] tkm{af6 a}+sn] shf{, jf gf]S;fg / efl/t cf};t z]o/wgLsf] ;+Vofdf Dilutive
cf]e/8«fk\m6, eljiosf] hdfgt lbg k|lta4tf hgfPsf] ;Eefljt ;fwf/0f z]o/nfO{ ;dfof]hg u/L lgwf{/0f
x'G5 t/ l/kf]l6{ª ldltdf a}+sn] e'QmfgL lbPsf] x'Gg . ul/Psf] 5 .
To:tf pks/0fx? ljQLo ljj/0fdf k|lta4tfsf] ?kdf
pNn]v ul/G5 . olb xsk|b z]o/, af]g; z]o/ Hff/Lsf] sf/0fn]
k"FhLs/0fsf] kl/0ffd :j¿k ;fwf/0f jf ;Defljt
#=@) z]o/ k"FhL / hu]8f sf]if ;fwf/0f z]o/x¿sf] ;+Vof j[l4 ePdf To:tf] ;a}
pks/0fdf ePsf] ;Demf}tf cg';f/ a}+sn] k"FhL cjlwsf] nflu k|ltz]o/ cfwf/e"t / Diluted k|lt z]o/
pks/0fnfO{ ljQLo bfloTj jf O{lSj6L pks/0fsf] ?kdf cfDbfgLsf] u0fgf ;dfof]lht ?kdf ug]{ ul/Psf] 5 .
juL{s/0f ug]{ ul/Psf] 5 . ;a} bfloTjx? s6fPkl5
afFsL /xg] a}+ssf] s"n ;DklQdf afFsL :jfy{sf] ?kdf #=@@ O{sfO{ l/kf]l6{ª
O{lSj6LnfO{ kl/eflift ul/Psf] 5 . ;fwf/0f z]o/nfO{ pkef]Qmf a}+lsË, skf]{/]6 a}+lsË, P;PdO{ a}+lsË, lakGg
a}+ssf] O{lSj6Lsf] ?kdf juL{s/0f ul/Psf] 5 / To;sf] If]q a}+lsË, sf/f]af/ a}+lsË / cGo a}+lsË h:tf
ljt/0fnfO{ ljj/0fdf O{lSj6L kl/jt{gsf] ljj/0fsf] Joj;flos O{sfOx? Joj:yfkg / l/kf]l6{Ë p2]Zosf]
?kdf pNn]v ug]{ ul/Psf] 5 . nflu Jojl:yt ul/Psf] 5 . l/kf]6{df ;dfj]z ul/Psf
Joj;flos O{sfO{ glthfx? k|ToIf ?kdf Joj;flos
O{lSj6Lsf] ?kdf juL{s/0f ul/Psf] ;fwf/0f z]o/sf] O{sfO{df k|efj kfg]{ j:t'x? x'g\ ;fy} ltgnfO{ pko'Qm
nfef+znfO{ O{lSj6Ldf n]vf°g ul/Psf] 5 . h'g cjlwdf kl/efiffsf] cfwf/df klg 5'6\ofpg ;lsG5 . g5'l§Psf
Tof] 3f]if0ff ePsf] x'G5 . lgisf;gdf k|ToIf ?kdf ljj/0fdf ljz]ifu/L ;fwf/0f ;DklQ, s]Gb|Lo sfof{nosf
;DalGwt j[l4lznsf] nfutnfO{ O{lSj6L pks/0fsf] vr{, s/ ;DklQ / bfloTjx? ;dfj]z x'G5g\ .

ljQLo ljj/0f;Fu ;DalGwt cg';"rLx?
$=! gub / gub ;dfg /sd ?=

;d"x a}+s
ljj/0f
gub 8,266,974,524 6,549,944,154 7,735,939,647 6,523,429,640
ljQLo ;+:yf;Fu /x]sf] /sd 5,434,727,543 9,533,261,155 2,158,300,977 6,502,375,706
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 640,269,435 1,606,968,108 - 300,046,849
cGo 17,919,078,539 10,576,810,589 17,919,078,539 10,576,810,589
32,261,050,040 28,266,984,006 27,813,319,163 23,902,662,784
gub / gub ;dfgsf] Fair Value o;sf] lstfaL d"No xf] . eN6df /flvPsf] gubsf] ef}lts tyf ljQLo hf]lvd Go"gLs/0fsf] nflu jLdf ul/Psf] 5 .
t/ntf / Jofj;foLs cfjZostfsf cfwf/df eN6df /sdsf] Joj:yfkg ul/Psf] 5 . ljb]zL d'b|fdf /x]sf] gubdf ljb]zL ljlgdo b/sf] kl/jt{gaf6
x'g] hf]lvdnfO{ lgoldt ?kdf lgl/If0f ul/Psf] 5 / klxrfg ePsf] v08df t'?Gt Joj:yfkg ul/Psf] 5 . gub / gub ;dfg cGtu{t æcGoÆ df
cGt/a}+s Placement / # dlxgf eGbf sdsf] 6]«h/L lan;d]t /Ù]sf] 5 .
$=@ g]kfn /fi6« a+}sdf /x]sf] df}Hbft /sd ?=

;d"x a}+s
ljj/0f
g]kfn /fi6« a]+sdf /x]sf] j}wflgs df}Hbft 12,309,717,174 8,937,646,452 12,309,717,174 8,937,646,452
k'gMlaqmLsf] ;Demf}tf cg';f/ vl/b ul/Psf] ;'/If0fkq - - - -
g]kfn /fi6« a}+saf6 k|fKt x'g ;Sg] / cGo lgIf]k 344,769,455 135,251,219 344,769,455 135,251,219
12,654,486,629 9,072,897,671 12,654,486,629 9,072,897,671
g]kfn /fi6« a}+sdf /x]sf] df}Hbftsf] fair value o;sf] lstfaL /sd xf] . PsLs[t lgb]{lzsf g+= !# -!_ adf]lhd g]kfn /fi6« a}+sdf /x]sf] df}Hbft
d'VotM clgjfo{ df}Hbft ;DalGw Joj:yf cg'?k /flvPsf] xf] . g]kfn /fi6« a}+saf6 k|fKt x'g ;Sg] / cGo lgIf]k cGtu{t gful/s artkq k5{ h'g
a}+sn] ahf/ lgdf{tfsf] p2]Zon] wf/0f u/]sf] 5 / Jofhb/df ;x'lnot k|bfg u/]sf] sf/0f x'g] k|fKt /sd /x]sf] 5 .
$=# a]+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft /sd ?=

;d"x a}+s
ljj/0f
:jb]zL a}+s tyf ljQLo ;+:yf;Fusf] Placement - - - -
ljb]zL a}+s tyf ljQLo ;+:yf;Fusf] Placement - - - -

Less: Allowances for Impairment - - - -
clwu|x0f ldltaf6 ltg dlxgf eGbf a9Lsf] kl/kSjtf ldlt ePsf :jb]zL / ljb]zL a}+s tyf ljQLo ;+:yf;Fusf] Placement nfO{ dfly k|:t't
ul/Psf] 5 .
114
$=$ Jo'TkGg ljQLo pks/0f /sd ?=
;d"x a}+s
ljj/0f
Aofkf/sf nflu /flvPsf]
Jofhb/ :jfk - - - -
d'b|f :jfk - - - -
clu|d ljlgdo ;Demf}tf - - - -
cGo - - - -
hf]lvd Joj:yfkgsf nflu /flvPsf]

Jofhb/ :jfk - - - -
d'b|f :jfk - - - -
clu|d ljlgdo ;Demf}tf - 5,359,380,480 - 5,359,380,480
cGo - - - -
- 5,359,380,480 - 5,359,380,480
Jo'TkGg pks/0fsf] Pp6f dxTjk'0f{ c+z ;+:yfut u|fxsx?nfO{ hf]lvd Joj:yfkg ;DaGwL ;]jf lbg /flvPsf] 5 . oL pks/0fx? a}+sn] cfkm\gf] 6«]h/L
;DaGwL sfo{sf] nflu k|of]u ub{5 . hf]lvd Joj:yfkgsf] b[li6sf]0faf6, Jo'TkGg ;DklQx¿sf] hDdf /sd / Jo'TkGg bfloTjx¿sf] hDdf /sdnfO{
ldnfP/ ljZn]if0f ug'{k5{, h'g\ ljQLo cj:yfsf] ljj/0fdf 5'§} k|:t't ul/G5 .
$=% cGo Jofkfl/s ;DklQx? /sd ?=

;d"x a}+s
ljj/0f
6«]h/L lan - - - -
;/sf/L af]08 - - - -
g]kfn /fi6« a}+s af]08 - - - -
:jb]zL O=k|= k|fKt ;+:yfsf] af]08 - - - -
O{lSj6L - - - -
cGo 163,830,492 12,815,074 162,822,000 11,800,000
hDdf 163,830,492 12,815,074 162,822,000 11,800,000
lwtf] /flvPsf] - - - -
lwtf] g/flvPsf] - - - -
a}+sn] lgs6 eljiodf a]Rg] p2]Zosf] nflu / 5f]6f] cjlwdf nfe sdfpg u/]sf] nufgLnfO{ Jofkfl/s ;DklQdf juL{s/0f ul/Psf] 5 . cGo Jofkfl/s
;DklQdf eN6df /flvPsf] ;'g rfFbL /x]sf] 5 .
$=^ ljQLo ;+:yfnfO{ shf{ ;fk6L /sd ?=

;d"x a}+s
ljj/0f
:jb]zL ljQLo ;+:yf
n3'ljQ ljQLo ;+:yfnfO{ C0f 11,035,151,403 10,242,165,940 14,285,151,403 14,477,665,940
cGo - - - -
Less: xfgL gf]S;fgL Joj:yf 185,706,968 188,209,048 185,706,968 188,209,048
hDdf 10,849,444,435 10,053,956,892 14,099,444,435 14,289,456,892
ljQLo ;+:yfnfO{ shf{ ;fk6df xfgL gf]S;fgL Joj:yf g]kfn /fi6« a}+ssf] lgb{]lzsf cg';f/ ul/Psf] 5 .

$=^=! xfgL gf]S;fgLsf] nflu ljz]if Joj:yf (Specific Allowance) /sd ?=
;d"x a}+s
ljj/0f
;fpg ! df /x]sf] df}Hbft 188,209,048 128,364,423 188,209,048 128,364,423
cfly{s jif{sf] xfgL gf]S;fgL - - - -
cfly{s jif{sf] xfgL 2,502,080 59,844,625 2,502,080 59,844,625
c;'n pk/ ul/Psf] /sd - - - -
ckn]vg ul/Psf] /sd - - - -
c;f/ d;fGtfdf /x]sf] df}Hbft 185,706,968 188,209,048 185,706,968 188,209,048
n3'ljQ ljQLo ;+:yfnfO{ k|bfg ul/Psf] Psn shf{df s'g} o:tf] zt{ tyf lgodx? x'Fb}gg\ h;n] a}+ssf] ;du| gub k|jfxsf] /sd, ;do jf lglZrttfdf
7'nf] c;/ kf5{ . oL ;DklQx? kl/zf]lwt nfutdf dfkg ul/Psf] 5 . oL ;Dkltx?;Fu ;DalGwt hf]lvdx? lgoldt ?kdf d"Nof+Íg ul/G5 . oL Jofh
cfpg] lsl;dsf shf{ ;fk6Lx? x'g\ / o:tf ;Dkltaf6 x'g] cfDbfgLnfO{ gfkmfgf]S;fg lx;fa vftf cGtu{t /x]sf] Jofh cfDbfgLdf b]vfOG5 .
$=& u|fxsnfO{ shf{ ;fk6L /sd ?=

;d"x a}+s
ljj/0f
kl/zf]lwt nfutdf dfkg ul/Psf] u|fxsnfO{ shf{ ;fk6L 279,883,693,167 269,700,342,928 257,346,784,552 252,800,892,895
Less: xfgL gf]S;fgL Joj:yf (Allowance) - - - -
;fd'lxs xfgL gf]S;fgL (Collective Allowance) 4,253,338,284 3,819,964,307 3,651,798,938 3,353,664,446
Psn xfgL gf]S;fgL (Specific Allowance) 1,334,520,728 807,830,681 1,246,502,364 676,874,372
v'b /sd 274,295,834,155 265,072,547,940 252,448,483,250 248,770,354,077
FVTPL df dfkg ul/Psf] shf{ ;fk6L - - - -
hDdf 274,295,834,155 265,072,547,940 252,448,483,250 248,770,354,077
ICAN n] Hff/L u/]sf] j}slNks Joj:yfsf] ;'rgf cg';f/ a}+sn] shf{ tyf ;fk6Ldf x'g] xfgL gf]S;fgLsf] dfkg u/]sf] 5 / shf{ gf]S;fgL Joj:yfsf
nflu g]kfn /fi6« a}+sn] tf]s]sf] dfkb08 / NFRS ( sf] Carve Out sf] cg'R5]b % adf]lhd lgwf{/0f ul/Psf] /sd dWo] h'g a9L 5 To;}nfO{ n]vfÍg
ul/Psf] 5 . g]kfn /fi6« a}+ssf] dfk808 cg';f/ xfgL gf]S;fgL ?k}+of %,)($,@)#,#&^ /x]sf] 5, h'g NFRS ( sf] s'n xfgL gf]S;fgL eGbf a9L xf] .
u|fxs / ljQLo ;+:yfnfO{ k|bfg ul/Psf] s'n shf{ /sd /sd ?=

;d"x a}+s
ljj/0f
u|fxsnfO{ shf{ ;fk6L 287,523,067,405 277,503,472,666 268,236,158,790 264,839,522,633
sd{rf/LnfO{ shf{ ;fk6L 1,660,264,215 1,599,296,712 1,660,264,215 1,599,296,712
cflh{t Jofh 1,735,512,950 839,739,489 1,735,512,950 839,739,489
hDdf 290,918,844,570 279,942,508,867 271,631,935,955 267,278,558,834
xflg gf]S;fgL
g]=/f=a=sf] lgbl]{zsf @ adf]lhd 5,773,565,980 4,816,004,036 5,084,008,270 4,218,747,866
j}slNks Joj:yf adf]lhd 2,045,715,394 1,780,312,210 1,810,367,605 1,780,312,210
116
$=&=! Product sf] cfwf/df shf{ ;fk6Lsf] ljZn]if0f /sd ?=
;d"x a}+s
ljj/0f
Product
cfjlws shf{ 103,485,161,935 24,280,618,080 80,948,253,320 24,061,249,278
clwljsif{ shf{ 40,580,377,118 83,064,342,077 40,580,377,118 82,314,038,525
l6=cf/= shf{÷cfoft shf{ 90,123,930 221,358,400 90,123,930 219,358,914
rfn" k"FhL shf{ 44,042,110,452 43,521,067,963 44,042,110,452 43,127,950,880
JolQmut cfjf;Lo shf{ 45,802,597,854 34,075,428,056 45,802,597,854 33,767,631,545
l/on :6]6 shf{ 19,352,917,753 16,570,798,830 19,352,917,753 16,421,118,126
dflh{g k|s[ltsf] shf{ 1,919,240,596 5,076,554,452 1,919,240,596 5,030,698,953
xfo/ kr]{h shf{ 8,060,795,629 10,362,039,441 8,060,795,629 10,268,441,216
ljkGg ju{ shf{ 5,673,596,165 11,995,896,754 5,673,596,165 5,059,083,481
lan vl/b - - - -
sd{rf/L shf{ 1,660,264,215 1,599,296,712 1,660,264,215 1,599,296,712
cGo 7,480,994,570 38,093,249,520 7,480,994,570 30,092,285,777
hDdf 278,148,180,217 268,860,650,285 255,611,271,601 251,961,153,405
c;'n pk/ ug{ afFsL Jofh 1,735,512,950 839,692,643 1,735,512,950 839,739,489
hDdf 279,883,693,167 269,700,342,928 257,346,784,552 252,800,892,895
g]kfn /fi6« a}+sn] hf/L u/]sf] Jofh cfo dfGotf lgb]{lzsf cg';f/ ? #$,*$@,^)& c;'n pk/ ug{ afFsL JofhnfO{ ckn]vfÍg (De-Recognize)
ul/Psf] 5 .
$=&=@ d'b|fsf] cfwf/df shf{ ;fk6Lsf] ljZn]if0f /sd ?=

;d"x a}+s
ljj/0f
g]kfnL ?k}+of 279,883,693,167 269,693,281,145 257,346,784,552 252,793,831,112
ef/lto ?kLof - - - -
cd]l/sL 8n/ - 7,061,782 - 7,061,782
kfp08 :6ln{ª - - - -
o'/f] - - - -
hfkfgL o]g - - - -
rfOlgh o'cfg - - - -
cGo - - - -
hDdf 279,883,693,167 269,700,342,928 257,346,784,552 252,800,892,895

$=&=# lwtf]sf] cfwf/df shf{ ;fk6Lsf] ljZn]if0f /sd ?=
;d"x a}+s
ljj/0f
rn÷crn ;DklQ 261,009,718,116 258,556,603,219 245,219,271,460 242,363,719,442
;'g÷rfFbL 23,929,887 60,179,374 23,929,887 56,410,471
:jb]zL a}+s tyf ljQLo ;+:yfsf] hdfgt - - - -
;/sf/L lwtf] 982,640,501 231,000,855 982,640,501 216,533,775
cGt/f{li6«o dfGotfk|fKt a}s

+ sf] lwtf] - - - -
lgof{t sfuhft - - - -
d'2tL lgIf]ksf] /l;b 829,072,434 774,748,712 829,072,434 726,227,888
;/sf/L ;'/If0fkq - - - -
Counter Guarantee - - - -
JolQmut hdfgt - - - -
cGo 17,038,332,229 10,077,810,767 10,291,870,269 9,438,001,320
hDdf 279,883,693,167 269,700,342,928 257,346,784,552 252,800,892,895
;'/If0f gePsf - - - -
hDdf 279,883,693,167 269,700,342,928 257,346,784,552 252,800,892,895
$=&=$ xfgL÷gf]S;fgLsf] Joj:yf (Allowance for Impairment) /sd ?=

;d"x a}+s
ljj/0f
xfgL÷gf]S;fgLsf] ljz]if Joj:yf
;fpg ! ut]sf] df}Hbft 807,830,681 908,094,703 676,874,372 842,801,857
cfly{s jif{sf] xfgL

o; jif{sf] xfgL 526,690,047 100,264,022 569,627,992 165,927,485
c;'n pk/ u/]sf] /sd - - - -
ckn]vg - - - -
ljb]zL d'b|fsf] ljlgdo b/df cfPsf] leGgtf - - - -
cGo - - - -
c;f/ d;fGtf;Ddsf] /sd 1,334,520,728 807,830,681 1,246,502,364 676,874,372
xfgL÷gf]S;fgLsf] ;fd'xLs Joj:yf

;fpg ! utsf] df}Hbft 3,819,964,307 2,086,974,831 3,353,664,446 2,021,957,539
o; jif{sf] xfgL 433,373,978 1,732,989,476 298,134,492 1,331,706,907
o; jif{sf] c;'nL÷gf]S;fgL Joj:yfaf6 lkmtf{ - - - -
ljb]zL d'b|fsf] ljlgdo b/df cfPsf] leGgtf - - - -
cGo - - - -
c;f/ d;fGtf;Ddsf] /sd 4,253,338,284 3,819,964,307 3,651,798,938 3,353,664,446
xfgL÷gf]S;fgLsf] s'n Joj:yf 5,587,859,012 4,627,794,988 4,898,301,302 4,030,538,818
118
$=* nufgL ;'/If0fkq /sd ?=
;d"x a}+s
ljj/0f
kl/zf]lwt nfutdf dfkg ul/Psf] nufgL ;'/If0f kq 36,698,705,803 29,778,927,992 36,260,451,024 29,345,073,683
FVTOCI df dfkg ul/Psf] O{lSj6Ldf nufgL 2,789,205,796 3,960,151,478 2,787,705,796 3,948,651,478
cGo - - - -
hDdf 39,487,911,599 33,739,079,470 39,048,156,820 33,293,725,162
a}+sn] o; zLif{s cGtu{t u/]sf] ljQLo pks/0fdf u/]sf] nufgLnfO{ b'O{ ju{df k|:t't ul/Psf] 5 M kl/zf]lwt nfutdf dfkg ul/Psf] nufgL ;'/If0f
kq / FVTOCI df dfkg ul/Psf] O{lSj6Ldf nufgL kl/lw nfut dfkg ul/Psf] nufgL . nufgLsf] d"No lgwf{/0f nufgLsf] nfut ga9fO{ z]o/sf]
;+Vof Jf[l4 ul/G5 . # dlxgf ;Dd kl/kSjtf ldlt ePsf] 6]«h/L lannfO{ gub / gub ;dfg cGtu{t juL{s[t ul/Psf] 5 .
$=*=! kl/zf]lwt nfutdf dfkg ul/Psf] ;'/If0f kq /sd ?=

;d"x a}+s
ljj/0f
C0f ;'/If0fkq 640,456,000 - 635,227,000 -
;/sf/L af]G8 25,117,417,940 24,710,385,315 25,117,417,940 24,710,385,315
;/sf/L 6]«h/L lan 10,507,806,084 4,634,688,369 10,507,806,084 4,634,688,369
g]kfn /fi6« a}+ssf] ;'/If0fkq - - - -
g]kfn /fi6« a}+ssf] lgIf]k pks/0f - - - -
cGo 423,025,779 433,854,308 - -
36fpg] M xfgL gf]S;fgLsf] ljz]if Joj:yf - - - -
hDdf 36,688,705,803 29,778,927,992 36,260,451,024 29,345,073,683
$=*=@ cGo lj:t[t cfDbfgLaf6 dfkg ul/Psf] nufgL ;'/If0fkq /sd ?=

;d"x a}+s
ljj/0f
O{lSj6L ;'/If0fkqx? - - - -
;'lrs[t O{lSj6L ;'/If0fkqx? 2,586,307,756 2,989,843,238 2,584,807,756 2,979,843,238
;'lrs[t gePsf O{lSj6L ;'/If0fkqx? 202,898,040 970,308,240 202,898,040 968,808,240
hDdf 2,789,205,796 3,960,151,478 2,787,705,796 3,948,651,478

120
$=*=# O{lSj6Ldf ePsf] nufgL;Fu ;DalGwt hfgsf/L
cGo lj:t[t cfodfkm{t Fair Value df tf]lsPsf] nufgL ;'/If0fkq
/sd ?=
;d"x a}+s
ljj/0f
nfut Fair Value nfut Fair Value nfut Fair Value nfut Fair Value
;'rLs[t :jk"FhLdf nufgL
Pl;og nfOkm OG:of]/G] ; sDkgL - - 37,113,472 66,429,440 - - 37,113,472 66,429,440
!)) ?k}ofFsf] ) lsQf z]o/

l;l6hg Oge]i6d]G6 6«:6 231,310,426 292,157,400 266,156,540 466,627,881 231,310,426 292,157,400 266,156,540 466,627,881
!)) ?k}ofFsf] ##!,()@=* lsQf z]o/

hLjg ljsf; n3'ljQ ljQLo ;+:yf lnld6]8 22,800,000 208,703,414 22,800,000 22,800,000 22,800,000 208,703,414 22,800,000 22,800,000
!)) ?k}ofFsf] @@),(#@ lsQf z]o/

Hof]tL nfOkm OG:of]/G] ; lnld6]8 150,000,000 165,000,000 150,000,000 391,125,000 150,000,000 165,000,000 150,000,000 391,125,000
!)) ?k}ofFsf] !,^%),))) lsQf z]o/

dfx'nL ;fd'bflos n3'ljQ ljQLo ;+:yf lnld6]8 401,440 8,029,618 3,500,000 56,034,720 401,440 8,029,618 3,500,000 56,034,720
!)) ?k}ofFsf] !(,*^# lsQf z]o/

d]/f] dfOqmf]kmfOgfG; ljQLo ;+:yf lnld6]8 4,497,190 30,248,572 8,895,517 91,007,068 4,497,190 30,248,572 8,895,517 91,007,068
!)) ?k}ofFsf] !)@,)#^ lsQf z]o/

g]zgn nfOkm OG:of]/G] ; sDkgL lnld6]8 - - 20,654,634 23,835,450 - - 20,654,634 23,835,450
!)) ?k}ofFsf] ) lsQf z]o/

g]kfn Ogk|mf:6«Sr/ a}s
+ lnld6]8 1,010,000,000 1,080,000,000 1,010,000,000 1,010,000,000 1,000,000,000 1,080,000,000 1,000,000,000 1,000,000,000
!)) ?k}ofFsf] !),*)),))) lsQf z]o/

PgcfO{;L Aofn]G; kmG8 175,000,000 209,825,000 175,000,000 302,750,000 175,000,000 209,825,000 175,000,000 302,750,000
!) ?k}ofFsf] !&,%)),))) lsQf z]o/

PgcfO{;L Plzof 8fO{gflds 8]A6 kmG8 75,000,000 79,800,000 75,000,000 75,000,000 75,000,000 79,800,000 75,000,000 75,000,000
!)) ?k}ofFsf] &,%)),))) lsQf z]o/

PgcfO{;L Plzof u]f| y kmG8 150,000,000 188,700,000 150,000,000 281,250,000 150,000,000 188,700,000 150,000,000 281,250,000
!) ?k}ofFsf] !%,))),))) lsQf z]o/

af“sL csf]{ k[i7df===
===cl3Nnf] k[i7af6 lg/Gt/
/sd ?=
;d"x a}+s
ljj/0f
PgcfO{;L Plzof ;]nS] 6 #) (Index Fund) 187,500,000 184,125,000 187,500,000 187,500,000 187,500,000 184,125,000 187,500,000 187,500,000

!) ?k}ofFsf] !*,&%),))) lsQf z]o/
?/n dfOqmf]kmfOgfG; 8]enkd]G6 ;]G6/ lnld6]8 15,201,923 106,414,871 25,231,000 241,147,270 15,201,923 106,414,871 25,231,000 241,147,270
!)) ?k}ofFsf] #^@,*!(=@ lsQf z]o/

;"of{ nfOkm OG:of]/G] ; 2,347,063 2,206,481 4,034,566 8,606,409 2,347,063 2,206,481 4,034,566 8,606,409
!)) ?k}ofFsf] !^,@() lsQf z]o/

;'of]b{ of jf]dL n3'ljQ ljQLo ;+:yf lnld6]8 9,000,000 29,597,400 9,000,000 51,030,000 9,000,000 29,597,400 9,000,000 51,030,000
!)) ?k}ofFsf] !)*,))) lsQf z]o/

s'n -P_ 2,033,058,042 2,584,807,756 2,144,885,730 3,275,143,238 2,023,058,042 2,584,807,756 2,134,885,730 3,265,143,238
;"rLs[t gePsf] :jk"hF Ldf nufgL

a}lsË kmfOgfG; PG8 OG:of]/G] ; OlG:6Ro"6 ckm g]kfn 4,500,000 4,500,000 4,500,000 4,500,000 3,000,000 3,000,000 3,000,000 3,000,000
!)) ?k}ofFsf] ##,))) lsQf z]o/

shf{ ;"rgf s]Gb| lnld6]8 1,611,500 1,611,500 1,611,500 1,611,500 1,611,500 1,611,500 1,611,500 1,611,500
!)) ?k}ofFsf] !&&,@$@ lsQf z]o/

g]zgn a}lsË OlG:6Ro"6 3,669,740 3,669,740 3,669,740 3,669,740 3,669,740 3,669,740 3,669,740 3,669,740
!)) ?k}ofFsf] #^,^(&=$ lsQf z]o/

g]kfn lSnol/Ë xfp; lnld6]8 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000 5,000,000
!)) ?k}ofFsf] &@,))) lsQf z]o/

g]kfn On]S6«fl] gs k]dG] 6 l;:6d 15,000,000 15,000,000 15,000,000 15,000,000 15,000,000 15,000,000 15,000,000 15,000,000
!)) ?k}ofFsf] !%),))) lsQf z]o/

PgcfO{;L Plzof Çn]S;L Sofk 154,616,800 154,616,800 - - 154,616,800 154,616,800 - -
!) ?k}ofFsf] !%,$^!,^*) lsQf z]o/

121
122
/sd ?=
;d"x a}+s
ljj/0f
o; jif{ o; jif{ ut jif{
PgcfO{;L Plzof lgj[lQ sf]if 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000
!) ?k}ofFsf] !)),))) lsQf z]o/

>[hGzLn n3'ljQ ljQLo ;+:yf lnld6]8 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000
!)) ?k}ofFsf] !)),))) lsQf z]o/

s'n -aL_ 204,398,040 204,398,040 49,781,240 49,781,240 202,898,040 202,898,040 48,281,240 48,281,240
s'n -P ± aL_ 2,237,456,082 2,789,205,796 2,194,666,970 3,324,924,478 2,225,956,082 2,787,705,796 2,183,166,970 3,313,424,478
nufgLsf] nfut O{lSj6Lsf] g]6jy{eGbf sd x'g] ePsfn] ;'lrs[t gePsf O{lSj6L nufgLnfO{ nfutdf k|:t't ul/Psf] 5 .
o;cl3 /x]sf] jf]dL n3'ljQ ljQLo ;+:yf lnld6]8 ;"of]{bo n3'ljQ ;+:yf;Fu ufleP/ ;"of]{bo jf]dL n3'ljQ ljQLo ;+:yf lnld6]8 ag]sf] 5 .
NMB Energy Bond - 4%, 92-93 nfO{ kl5Nnf] cfly{s jif{df FVTOCI df n]vfÍg ul/Psf]df o; jif{ kl/zf]lwt nfutdf dfkg ul/Psf] ;'/If0f kq cGtu{t C0f ;'/If0fkqdf n]vfÍg ul/Psf] 5 .
$=( rfn' s/ ;DklQ /sd ?=
;d"x a}+s
ljj/0f
o; cf=j=sf] cfos/ ;DklQ 9,065,782,054 7,109,939,709 8,817,369,791 7,110,110,172
cl3Nnf cf=j= sf] cfos/ ;DklQ - - - -
hDdf 9,065,782,054 7,109,939,709 8,817,369,791 7,110,110,172
o; cf=j=sf] s/ bfloTj - - - -
o; cf=j=sf] cfos/ bfloTj 8,930,321,296 6,813,720,825 8,676,810,047 6,813,002,831
cl3Nnf cf=j= sf] cfos/ bfloTj - - - -
hDdf 8,930,321,296 6,813,720,825 8,676,810,047 6,813,002,831
o; cf=j=sf] cfos/ ;DklQdf a}+sn] cfos/ P]g @)%* adf]lhd bfo/ u/]sf] :jM lgwf{/0f cfos/ ljj/0f cGtu{t a}+sn] e'QmfgL u/]sf] clu|d cfos/
;dfj]z u/]sf] 5 . a}+ssf] tkm{af6 ;|f]tdf clu|d s/ s§L ul/ e'QmfgL ug]{ ul/Psf] 5 . To;} cg'?k, o; cf= j= sf] cfos/ bfloTjx?df cfos/ P]g
@)%* sf] k|fjwfg cg';f/ ;/sf/nfO{ ltg'{kg]{ s/ ;dfj]z 5 .
$=!) ;xfos sDkgLdf nufgL /sd ?=

;'lrs[t ;xfos sDkgLdf nufgL 1,004,500,000 1,004,500,000
;'lrs[t gePsf ;xfos sDkgLdf nufgL 260,000,000 260,000,000
s'n nufgL 1,264,500,000 1,264,500,000
36fpg] M xfgL - -
v'b /sd 1,264,500,000 1,264,500,000
$=!)=! ;'lrs[t ;xfos sDkgLdf nufgL /sd ?=

a}+s
nfut Fair Value nfut Fair Value
Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8 1,004,500,000 1,004,500,000 1,004,500,000 1,004,500,000
hDdf 1,004,500,000 1,004,500,000 1,004,500,000 1,004,500,000
Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8 a}+ssf] %&=&% k|ltzt :jfldTj /x]sf] ;fxfos sDkgL xf] / sDkgL P]g, @)^# cGtu{t klAns
lnld6]8 sDkgLsf] ¿kdf @% h'nfO{ @)!& df btf{ ePsf] / g]kfn /fi6« a}+saf6 "3" ju{sf] ljQLo ;+:yfsf] ¿kdf Ohfht k|fKt ;fxfos sDkgL
xf] . Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8 c;f/ @$, @)&& df lwtf]kq af]8{df ;"lrs[t ePsf] 5 . . Pg cfO{ ;L Plzof n3'ljQ ljQLo
;+:yf lnld6]8 df /x]sf] nufgL NAS 27 cnu ljQLo ljj/0f cg';f/ nfut dfkg ul/G5 .
$=!)=@ ;'lrs[t gePsf ;xfos ;+:yfdf nufgL /sd ?=

a}+s
nfut Fair Value nfut Fair Value
Pg cfO{ ;L Plzof Soflk6n lnld6]8 200,000,000 200,000,000 200,000,000 200,000,000
Pg cfO{ ;L Plzof ;]So'l/6Lh lnld6]8 60,000,000 60,000,000 60,000,000 60,000,000
hDdf 260,000,000 260,000,000 260,000,000 260,000,000

$=!)=# ;xfos sDkgLdf nufgL /sd ?=
a}+s
ljj/0f
o; jif{ ut jif{
Pg cfO{ ;L Plzof Soflk6n lnld6]8 100 100
Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8 57.75 57.75
Pg cfO{ ;L Plzof ;]So'l/6Lh lnld6]8 100 100
$=!)=$ u}/ lgolGqt :jfy{ /sd ?=

a}+s
ljj/0f
Pg cfO{ ;L Plzof Pg cfO{ ;L Plzof Pg cfO{ ;L Plzof
Soflk6n n3'ljQ ljQLo ;+:yf ;]So'l/6Lh lnld6]8
u}= lg= :jf= ;Fu /x]sf] O{lSj6L :jfy{ -∞_ - 42.25Ì -
;dLIff jif{sf nflu 5'6\ofOPsf] gfkmf-gf]S;fg_ - - -
c;f/ d;fGt;Ddsf] u}= lg= :jf=sf] ;l~rt df}Hbft /sd - - -
u}= lg= :jf= nfO{ nfef+z e'QmfgL - - -
$=!! ;Da4 ;+:yfdf nufgL /sd ?=

;d"x a}+s
ljj/0f
;'lrs[t ;Da4 sDkgLdf nufgL - - - -
;'lrs[t gePsf ;Da4 sDkgLdf nufgL - - - -
s'n nufgL - - - -
36fpg] M xfgL - - - -
v'b lstfaL /sd - - - -
pNn]lvt ldlt;Dd a}+ssf s'g} ;Da4 ;+:yf 5}g .
$=!!=! ;'lrs[t ;Da4 sDkgLdf nufgL

;d"x a}+s
ljj/0f
nfut Fair Value nfut Fair Value nfut Fair Value nfut /sd ?=
Fair Value
$=!!=@ ;'lrs[t gul/Psf ;+:yfdf nufgL

;d"x a}+s
ljj/0f
124
$=!!=# a}+s;Fu ;Da4 sDkgL;Fu ;DalGwt hfgsf/L /sd ?=
;d"x a}+s
ljj/0f
$=!!=$ ;Da4 sDkgLsf] hf/L d"No /sd ?=

;d"x a}+s
ljj/0f
- - - -
- - - -
- - - -
$=!@ nufgL ;DklQ

;d"x a}+s
ljj/0f
/sd ?=
Fair Value df dfkg ul/Psf] nufgL ;DklQ - - - -
;fpg ! ut]sf] df}Hbft 1,275,463,444 496,064,382 1,275,463,444 496,064,382
;dLIff aif{df yk÷lg;u{ 552,932,122 779,399,061 552,932,122 779,399,061
;dLIff aif{df Fair Value df v'b kl/jt{g - - - -
;dfof]hg÷:yfgfGt/0f - - - -
v'b /sd 722,531,322 1,275,463,444 722,531,322 1,275,463,444
kl/zf]lwt d"Nodf dfkg ul/Psf] nufgL ;DklQ

;fpg ! ut]sf] df}Hbft - - - -
;dLIff aif{df yk÷lg;u{ - - - -
;dLIff aif{df Fair Value df v'b kl/jt{g - - - -
;dfof]hg÷:yfgfGt/0f - - - -
v'b /sd - - - -
hDdf 722,531,322 1,275,463,444 722,531,322 1,275,463,444
nufgL ;DklQdf u}/ a}+lsË ;DklQ ;dfj]; ul/Psf] 5, pQm ;DklQsf] d"NofÍg fair value jf aSof}tf shf{ dWosf] sd d"Nosf cfwf/df ul/Psf]
5 . cf=j sf] cGtdf /x]sf] u}/ a}+lsË ;DklQx¿sf] lj:t[t ljj/0f gf]6 %=!% df k|bfg ul/Psf] 5 .

126
$=!# ;DklQ / pks/0f
/sd ?=
ljj/0f ;d'x
hUuf ejg k§f ;DklQ sDKo'6/ / ;jf/L kmlg{r/ / d]lzg/L sfof{no k"FhLut s"n c;f/ s"n c;f/
;fdfgx? lkmS:r/ pks/0f sfo{k|ult cGTo @)&( cGTo @)&*
nfut - - - - - - - - - - -
@)&& c;f/ #! ;Ddsf] /sd 439,028,757 245,944,638 1,343,136,102 470,007,039 310,780,583 270,283,556 956,130,279 146,521,299 - - 4,181,832,254
yk
o; jif{ yk ul/Psf 21,118,750 - 36,182,025 146,812,441 19,971,033 11,329,032 53,430,146 5,143,823 1,084,555 - 295,071,805
k'FhLs/0f - - - - - - - - - - -
l8:kf]hN; - - 7,193,430 3,562,165 985,669 229,333 2,335,269 504,088 - - 14,809,954
;dfof]hg - - 1,256,868 - - - - - - - 1,256,868
cGo - - - - - - - - - - -
@)&* c;f/ #! ;Ddsf] /sd 460,147,507 245,944,638 1,370,867,829 613,257,315 329,765,947 281,383,256 1,007,225,156 151,161,034 1,084,555 4,460,837,237 4,460,837,237
yk
o; jif{ yk ul/Psf - - 158,235,608 132,416,091 21,971,000 67,897,670 87,442,396 4,663,770 1,700,452 474,326,988 -
k'FhLs/0f - - - - - - - - - - -
l8:kf]hN; - - 15,513,114 11,803,691 1,681,858 3,629,646 39,266,132 550,923 - 72,445,363 -
;dfof]hg - - - - - - - - - - -
cGo - - - - - - - - - - -
@)&( c;f/ #@ ;Ddsf] /sd 460,147,507 245,944,638 1,513,590,324 733,869,715 350,055,089 345,651,280 1,055,401,421 155,273,881 2,785,007 4,862,718,861 -

$=!# ;DklQ / pks/0f
/sd ?=
;DklQ / pks/0f ;d'x
;l~rt x|f;s§L / xfgL -

@)&& c;f/ #! ;Ddsf] /sd - 28,008,145 266,140,147 140,844,772 53,083,189 105,806,355 209,530,555 106,231,909 - 909,645,072
;dLIff aif{sf] x|f; z'Ns - 4,622,671 81,651,556 142,241,978 42,723,381 21,178,616 97,764,715 4,580,194 - - 394,763,110
;dLIff aif{sf nflu xfgL - - - - - - - - - - -
l8:kf]hN; - - 7,114,512 3,516,574 1,129,581 197,356 2,092,685 499,685 - - 14,550,394
cGo - - - - 105,897 - - - - - 105,897
@)&* c;f/ #! ;Ddsf] /sd - 32,630,816 340,677,190 279,570,175 94,782,886 126,787,614 305,202,585 110,312,418 - 1,289,963,686 1,289,963,686
;dLIff aif{sf] x|f; z'Ns - 4,622,671 89,869,177 101,824,628 32,897,689 57,856,890 100,669,542 5,180,152 - 392,920,750 -
l8:kf]hN; - - 1,281,203 11,668,885 389,306 3,468,061 37,929,517 549,348 - 55,286,320 -
cGo - - - - - - - - - - -
@)&( c;f/ #@ ;Ddsf] /sd - 37,253,487 429,265,165 369,725,918 127,291,270 181,176,444 367,942,610 114,943,223 - 1,627,598,116 -
/sd ?=
;DklQ / pks/0f ;d'x
hUuf ejg k§f ;DklQ sDKo'6/ / ;jf/L kmlg{r/ / d]lzg/L sfof{no k"FhLut s"n c;f/
;fdfgx? lkmS:r/ pks/0f sfo{k|ult cGTo @)&(
@)&& c;f/ #! ;Ddsf] /sd 439,028,757 217,936,493 1,076,995,955 329,162,267 257,697,393 164,477,202 746,599,724 40,289,390 - 3,272,187,181
@)&* c;f/ #! ;Ddsf] /sd 460,147,507 213,313,822 1,030,190,639 333,687,140 234,983,060 154,595,642 702,022,571 40,848,616 1,084,555 3,170,873,551
@)&( c;f/ #@ ;Ddsf] /sd 460,147,507 208,691,151 1,084,325,159 364,143,797 222,763,819 164,474,836 687,458,811 40,330,659 2,785,007 3,235,120,746
127
128
$=!# ;DklQ / pks/0f
/sd ?=
ljj/0f a}+s
nfut - - - - - - - - - - -
@)&& c;f/ #! ;Ddsf] /sd 439,028,757 245,944,638 1,337,830,954 446,597,841 304,770,827 249,096,953 952,211,343 135,184,995 - - 4,110,666,308
yk
o; jif{ yk ul/Psf - - 32,555,748 49,795,538 - 10,479,109 53,430,146 4,301,973 924,555 - 151,487,069
k'FhLs/0f - - - - - - - - - - -
l8:kf]hN; - - 7,193,430 3,562,165 1,720,000 229,333 2,335,269 504,088 - - 15,544,285
;dfof]hg - - - - - - - - - - -
cGo - - - - - - - - - - -
@)&* c;f/ #! ;Ddsf] /sd 439,028,757 245,944,638 1,363,193,273 492,831,214 303,050,827 259,346,729 1,003,306,220 138,982,880 924,555 - 4,246,609,092
yk
o; jif{ yk ul/Psf - - 158,143,799 132,416,091 17,211,000 21,663,797 87,442,96 2,869,000 1,700,452 421,446,536 -
k'FhLs/0f - - - - - - - - - - -
l8:kf]hN; - - 15,513,114 11,803,691 164,905 3,490,550 39,266,132 550,923 - 70,789,313 -
;dfof]hg - - - - - - - - - - -
cGo - - - - - - - - - - -
@)&( c;f/ #@ ;Ddsf] /sd 439,028,757 245,944,638 1,505,823,958 613,443,614 320,096,922 277,519,976 1,051,482,485 141,300,957 2,625,007 4,597,266,314 -

$=!# ;DklQ / pks/0f
/sd ?=
;DklQ / pks/0f a}+s
;l~rt x|f;s§L / xfgL -

@)&& c;f/ #! ;Ddsf] /sd - 28,008,145 265,602,412 132,234,893 50,796,270 100,081,727 208,981,281 101,322,456 - - 887,027,185
;dLIff aif{sf] x|f; z'Ns - 4,622,671 80,367,868 96,368,576 31,550,807 20,997,188 97,764,715 4,297,922 - - 335,969,747
l8:kf]hN; - - 7,114,512 3,516,574 1,129,581 197,356 2,092,685 499,685 - - 14,550,394
cGo - - - - - - - - - - -
@)&* c;f/ #! ;Ddsf] /sd - 32,630,816 338,855,768 225,086,895 81,217,495 120,881,559 304,653,311 105,120,693 - - 1,208,446,538
;dLIff aif{sf] x|f; z'Ns - 4,622,671 86,269,177 101,824,628 31,388,817 21,454,404 100,669,542 4,580,152 - 350,809,391 -
l8:kf]hN; - - 1,281,203 11,668,885 164,740 3,468,061 37,929,517 549,348 - 55,061,754 -
cGo - - - - - - - - - - -
@)&( c;f/ #@ ;Ddsf] /sd - 37,253,487 423,843,742 315,242,638 112,441,572 138,867,902 367,393,336 109,151,498 - 1,504,194,175 -
/sd ?=
;DklQ / pks/0f a}+s
hUuf ejg k§f ;DklQ sDKo'6/ / ;jf/L kmlg{r/ / d]lzg/L sfof{no k"FhLut s"n c;f/
;fdfgx? lkmS:r/ pks/0f sfo{k|ult cGTo @)&(
@)&& c;f/ #! ;Ddsf] /sd 439,028,757 217,936,493 1,072,228,542 314,362,948 253,974,557 149,015,225 743,230,061 33,862,539 - 3,223,639,123
@)&* c;f/ #! ;Ddsf] /sd 439,028,757 213,313,822 1,024,337,505 267,744,319 221,833,331 138,465,170 698,652,908 33,862,186 924,555 3,038,162,554
@)&( c;f/ #@ ;Ddsf] /sd 439,028,757 208,691,151 1,081,980,215 298,200,977 207,655,350 138,652,075 684,089,148 32,149,459 2,625,007 3,093,072,139
129
$=!$ Voflt tyf cd"t{ ;DklQ /sd ?=
;d"x
ljj/0f ;k\m6j]o/ c;f/ cGTo c;f/ cGTo
Voflt cGo @)&( ;Dd @)&* ;Dd
vl/b ul/Psf] gdf{0f ul/Psf]
nfut
@)&& ;fpg ! sf] cfwf/df - 192,424,985 - - - 192,424,985
yk - 33,719,396 - - - 33,719,396
clwu|x0f - - - - - -
k"FhLs/0f - - - - - -
l8:kf]hN; - - - - - -
;dfof]hg - - - - - -
@)&* c;f/ #! sf] /sd - 226,144,381 - - - 226,144,381
yk - - - - - -
clwu|x0f - 48,483,849 - - 48,483,849 -
k"FhLs/0f - - - - - -
l8:kf]hN; - - - - - -
;dfof]hg - - - - - -
@)&( c;f/ #@ sf] /sd - 274,628,230 - - 274,628,230 -
kl/zf]wg
@)&& ;fpg ! sf] cfwf/df - 91,162,473 - - - 91,162,473
;dLIff aif{sf] kl/zf]wg - 35,825,072 - - - 35,825,072
l8:kf]hN; - - - - - -
;dfof]hg - - - - - -
@)&* c;f/ #! sf] cfwf/df - 126,987,545 - - - 126,987,545
;dLIff aif{sf] kl/zf]wg - 34,742,589 - - 34,742,589 -
l8:kf]hN; - - - - - -
;dfof]hg - 14,895,141 - - - -
@)&( c;f/ #@ sf] cfwf/df - 176,625,274 - - 176,625,274 -
k"Flhut sfo{sf] k|ult - 40,181,906 - - - -
v'b lstfaL d"No - - - - - -
@)&& c;f/ #! ;Ddsf] /sd - 101,262,512 - - 101,262,512 -
@)&* c;f/ #! ;Ddsf] /sd - 99,156,836 - - 99,156,836 -
@)&( c;f/ #@ ;Ddsf] /sd - 138,184,862 - - 138,184,862 -
sDKo'6/ ;k\m6j]o/ k|of]udf NofpFbf / clwu|x0f ubf{ k/n d"Nodf k"FhLs/0f ul/Psf] 5 . cfGtl/s ?kdf ljsf; ul/Psf] ;k\m6j]o/nfO{ ljsf;;Fu
;DalGwt nfutnfO{ k"FhLs/0f ul/Psf] 5 . h;n] eljiodf cfly{s nfe xfl;n ug{ ;xof]u k'¥ofpg] 5 . sDKo'6/ ;k\m6j]o/ nfut ck]lIft pkof]uL
cfo'sf] cfwf/df kl/zf]lwt x'G5g\ . ;k\m6j]o/sf] dd{t;Fu ;DalGwt nfutx¿ Joosf] ¿kdf dfGotf lbOPsf] 5 . k|of]usf] nflu pknAw ePsf] ldlt
b]lv ;km\6j]o/sf] cg'dflgt k|of]u cjlwsf] cfwf/df ;db/ x|f;s6\6L k|0ffnL (Straight Line Method) cg';f/ x|f;s6\6L ug{] ul/Psf] 5 . xfnsf] /
t'ngfTds cjlwsf] nflu ;k\m6j]o/sf] cg'dflgt cfo' kfFr aif{ xf] . ? !) xhf/ eGbf sdsf] ;km\6j]o/ vr{sf] ?kdf n]vf+Íg ul/Psf] 5 .
130
$=!$ Voflt tyf cd"t{ ;DklQ /sd ?=
a}+s
ljj/0f ;k\m6j]o/ c;f/ cGTo c;f/ cGTo
Voflt cGo @)&( ;Dd @)&* ;Dd
vl/b ul/Psf] gdf{0f ul/Psf]
nfut
@)&& ;fpg ! sf] cfwf/df - 187,432,015 - - - 187,432,015
yk - 14,257,723 - - - 14,257,723
clwu|x0f - - - - - -
k"FhLs/0f - - - - - -
l8:kf]hN; - - - - - -
;dfof]hg - - - - - -
@)&* c;f/ #! sf] /sd - 201,689,738 - - - 201,689,738
yk - - - - - -
clwu|x0f - 46,029,656 - - 46,029,656 -
k"FhLs/0f - - - - - -
l8:kf]hN; - - - - - -
;dfof]hg - - - - - -
@)&( c;f/ #@ sf] /sd - 247,719,394 - - 247,719,394 -
kl/zf]wg
@)&& ;fpg ! sf] cfwf/df - 89,156,305 - - - 89,156,305
;dLIff aif{sf] kl/zf]wg - 32,182,023 - - - 32,182,023
l8:kf]hN; - - - - - -
;dfof]hg - - - - - -
@)&* c;f/ #! sf] cfwf/df - 121,338,328 - - - 121,338,328
;dLIff aif{sf] kl/zf]wg - 33,908,041 - - 33,908,041 -
l8:kf]hN; - - - - - -
;dfof]hg - - - - - -
@)&( c;f/ #@ sf] cfwf/df - 155,246,369 - - 155,246,369 -
k"Flhut sfo{sf] k|ult - 40,181,906 - - 40,181,906 -
v'b lstfaL d"No - - - - - -
@)&& c;f/ #! ;Ddsf] /sd - 98,275,710 - - 98,275,710 -
@)&* c;f/ #! ;Ddsf] /sd - 91,548,342 - - 91,548,342 -
@)&( c;f/ #@ ;Ddsf] /sd - 132,654,932 - - 132,654,932 -
sDKo'6/ ;k\m6j]o/ k|of]udf NofpFbf / clwu|x0f ubf{ k/n d"Nodf k"FhLs/0f ul/Psf] 5 . cfGtl/s ?kdf ljsf; ul/Psf] ;k\m6j]o/nfO{ ljsf;;Fu
;DalGwt nfutnfO{ k"FhLs/0f ul/Psf] 5 . h;n] eljiodf cfly{s nfe xfl;n ug{ ;xof]u k'¥ofpg] 5 . sDKo'6/ ;k\m6j]o/ nfut ck]lIft pkof]uL
cfo'sf] cfwf/df kl/zf]lwt x'G5g\ . ;k\m6j]o/sf] dd{t;Fu ;DalGwt nfutx¿ Joosf] ¿kdf dfGotf lbOPsf] 5 . k|of]usf] nflu pknAw ePsf] ldlt
b]lv ;km\6j]o/sf] cg'dflgt k|of]u cjlwsf] cfwf/df ;db/ x|f;s6\6L k|0ffnL (Straight Line Method) cg';f/ x|f;s6\6L ug{] ul/Psf] 5 . xfnsf] /
t'ngfTds cjlwsf] nflu ;k\m6j]o/sf] cg'dflgt cfo' kfFr aif{ xf] . ? !) xhf/ eGbf sdsf] ;km\6j]o/ vr{sf] ?kdf n]vf+Íg ul/Psf] 5 .

$=!% :yug s/ /sd ?=
;d"x a}+s
ljj/0f
:yug s/ ;DklQ - - - -
:yug s/ bfloTj 258,050,209 449,707,043 267,765,003 459,535,668
v'b /sd 258,050,209 449,707,043 267,765,003 459,535,668
/sd ?=
;d"x a}+s
@)&* ÷ @)&(
:yug s/ :yug s/ v'b :yug s/ :yug s/ :yug s/ v'b :yug s/
;DklQ bfloTj ;DklQ -bfloTj_ ;DklQ bfloTj ;DklQ -bfloTj_
c:yfoL leGgtfsf] cfwf/df
:yug s/
a}+s tyf ljQLo ;+:yfnfO{ shf{ - - - - - -
u|fxsnfO{ shf{ - - - - - -
nufgL ;DklQ - - - - - -
nufgL ;'/If0f kq - 168,522,940 168,522,940 - 168,524,915 168,524,915
;DklQ / pks/0f - 210,944,687 210,944,687 - 219,592,609 219,592,609
sd{rf/Lsf] kl/eflift nfe of]hgf 39,486,713 - 39,486,713 38,462,028 - 38,462,028
k§f bfloTj 80,485,764 - 80,485,764 80,445,551 - 80,445,551
Jojf:yfx? - - - - - -
cGo c:yfoL leGgtf 1,444,942 - 1,444,942 1,444,942 - 1,444,942
c:yfoL leGgtfdf :yug s/ 121,417,419 -379,467,627_ -258,050,209_ 120,352,521 -388,117,524_ -267,765,003_

Deferred Tax on Carry Forward of Unused Tax Losses - -
s/sf] b/df ePsf] kl/jt{gsf cfwf/df :yug s/ - -
@)&( c;f/ #@ ldlt;Dd sf] v'b :yug s/ ;DklQ÷bfloTj -258,050,209_ -267,765,003_
@)&* ;fpg ! ldlt;Dd sf] cfwf/df :yug s/-;DklQ_÷bfloTj 449,707,044 459,535,668
;ldIff aif{df ;[hgf ePsf]÷lkmtf{ ePsf 191,656,835 191,770,665
gfkmf cyjf gf]S;fgdf n]vf°g ePsf] :yug s/ vr{÷-cfDbfgL_ 11,887,501 12,001,331
cGo lj:t[t cfDbfgLdf n]vf°g ePsf] :yug s/ vr{÷-cfDbfgL_ 109,692,724 109,692,724
O{lSj6Ldf k|ToIf n]vf+Íg ePsf] :yug s/ vr{÷-cfDbfgL_ 70,076,609 70,076,609
132
/sd ?=
;d'x a}+s
@)&& ÷ @)&*
:yug s/ :yug s/ v'b :yug s/ :yug s/ :yug s/ v'b :yug s/
;DklQ bfloTj ;DklQ -bfloTj_ ;DklQ bfloTj ;DklQ -bfloTj_
c:yfoL leGgtfsf] cfwf/df
:yug s/
a}+s tyf ljQLo ;+:yfnfO{ shf{ - - - - - -
u|fxsnfO{ shf{ - - - - - -
nufgL ;DklQ - - - - - -
nufgL ;'/If0f kq - 339,600,588 339,600,588 - 339,077,253 339,077,253
;DklQ / pks/0f 9,131,301 206,271,103 197,139,802 - 206,271,103 206,271,103
sd{rf/Lsf] kl/eflift nfe of]hgf 49,487,481 17,703,858 31,783,623 48,550,310 17,703,858 30,846,451
k§f bfloTj 54,039,545 - 54,039,545 53,754,820 - 53,754,820
Jojf:yfx? 1,210,179 - 1,210,179 1,211,417 - 1,211,417
cGo c:yfoL leGgtf - - - - - -
c:yfoL leGgtfdf :yug s/ 113,868,505 -563,575,549_ -449,707,044_ 103,516,546 -563,052,214_ -459,535,668_

Deferred Tax on Carry Forward of Unused Tax Losses -
s/sf] b/df ePsf] kl/jt{gsf cfwf/df :yug s/ -
@)&* c;f/ #! ldlt;Dd sf] v'b :yug s/ ;DklQ÷bfloTj -459,535,668_
@)&& ;fpg ! ldlt;Dd sf] cfwf/df :yug s/-;DklQ_÷bfloTj 298,133,395
;ldIff aif{df ;[hgf ePsf]÷lkmtf{ ePsf 161,402,272
gfkmf cyjf gf]S;fgdf n]vf°g ePsf] :yug s/ vr{÷-cfDbfgL_ -1,465,280_
cGo lj:t[t cfDbfgLdf n]vf°g ePsf] :yug s/ vr{÷-cfDbfgL_ 232,637,635
O{lSj6Ldf k|ToIf n]vf+Íg ePsf] :yug s/ vr{÷-cfDbfgL_ 69,770,083

$=!^ cGo ;DklQx? /sd ?=
;d"x a}+s
ljj/0f
laqmLsf nflu /flvPsf] ;DklQ - - - -
cGo u}/ a}+lsË ;DklQ - - - -
Bills Receivable - - - -
Accounts Receivable 844,596,703 994,296,788 807,733,870 982,425,937
cflh{t cfo - - - -
clu|d e'QmfgL / lgIf]k 366,169,087 211,469,921 285,590,824 209,438,285
cfos/ w/f}6L 141,731,363 129,948,554 141,731,363 129,948,554
:yug sd{rf/L vr{ 3,338,688,658 2,259,130,769 3,338,688,658 2,259,130,769
cGo 2,416,743,635 1,961,202,198 2,416,063,200 1,899,519,432
Right of Use Assets 2,013,413,921 - 2,013,413,921 -
d;nGb df}Hbft 170,930,305 143,640,550 170,930,305 143,640,550
cGo 232,399,409 1,817,561,647 231,718,974 1,755,878,881
hDdf 7,107,929,446 5,556,048,230 6,989,807,914 5,480,462,976
$=!& a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL /sd ?=

;d"x a}+s
ljj/0f
dgL dfs]{6 lgIf]k - - - -
cGt/ a}+lsË ;fk6L 1,395,300,000 - 1,395,300,000 -
a}+s tyf ljQLo ;+:yfaf6 cGo lgIf]k 21,187,018,666 24,340,920,818 5,358,901,873 13,329,472,380
Settlement and Clearing - - - -
a}+s tyf ljQLo ;+:yfaf6 cGo lgIf]k - - - -
hDdf 22,582,318,666 24,340,920,818 6,754,201,873 13,329,472,380
cGo a}+s tyf ljQLo ;+:yfn] a}+ssf] vftfdf /fv]sf] df}Hbft o;df k|:t't ul/Psf] 5 . cGt/ a}+s ;fk6L, cGt/ a}+s lgIf]k, lSnol/ª\ vftfdf /x]sf]
Aofn]G; ;fy} cGo a}+s tyf ljQLo ;+:yfdf /x]sf] afFsL /sd o;df k|:t't ul/Psf] 5 .
$=!* g]kfn /fi6« a}+snfO{ ltg{ afFsL /sd ?=

;d"x a}+s
ljj/0f
g]kfn /fi6« a}+saf6 k'g/shf{ 5,227,764,978 3,238,618,707 5,227,764,978 3,238,618,707
:yfoL t/ntf ;'ljwf 14,500,000,000 - 14,500,000,000 -
g]kfn /fi6« a}+saf6 clGtd C0fbftf ;'ljwf - - - -
k'gM vl/b ;Demf}tfdf laqmL ul/Psf] lwQf]kq - - - -
g]kfn /fi6« a}+snfO{ cGo afFsL - - - -
hDdf 19,727,764,978 3,238,618,707 19,727,764,978 3,238,618,707
g]kfn /fi6« a}+snfO{ e'QmfgL x'g] /sddf k'g/shf{, :yfoL t/ntf ;'ljwf, nf:6 l/;f]6{sf] C0fbftf, laqmL tyf k"gM vl/b ;Demf}tf, / g]kfn /fi6« a}+saf6
lgIf]k /sd ;dfj]z ul/Psf] 5 .
134
$=!( Jo'TkGg ljQLo pks/0f /sd ?=
;d"x a}+s
ljj/0f
Jofkf/sf] nflu /flvPsf]
Jofhb/ :jfk - - - -
d'b|f :jfk - - - -
clu|d ljlgdo ;Demf}tf - - - -
cGo - - - -
hf]lvd Joj:yfkgsf nflu /flvPsf]

Jofhb/ :jfk - - - -
d'b|f :jfk - - - -
clu|d ljlgdo ;Demf}tf - 5,337,920,000 - 5,337,920,000
cGo - - - -
hDdf - 5,337,920,000 - 5,337,920,000
Jo'TkGg pks/0fsf] Pp6f dxTjk'0f{ c+z ;+:yfut u|fxsx?nfO{ hf]lvd Joj:yfkg ;DaGwL ;]jf lbg /flvPsf] 5 . oL pks/0fx? a}+sn] cfkm\gf] 6«]h/L
;DaGwL sfo{sf] nflu k|of]u ul/Psf] 5 . hf]lvd Joj:yfkgsf] b[li6sf]0faf6, Jo'TkGg ;DklQx¿sf] hDdf /sd / Jo'TkGg bfloTjx¿sf] hDdf /sdnfO{
ldnfP/ ljZn]if0f ul/Psf] 5, h'g\ NFRS cg';f/ ljj/0fdf 5'§} k|:t't ul/Psf] 5 .
$=@) u|fxsaf6 lgIf]k /sd ?=

;d"x a}+s
ljj/0f
skf]{/]6 u|fxs
cfjlws lgIf]k 69,622,340,681 93,140,164,322 69,622,340,681 93,140,164,322
sn lgIf]k 10,684,246,283 18,505,899,519 10,684,246,283 18,710,695,473
rNtL lgIf]k 36,568,817,566 21,404,716,208 36,568,817,566 21,404,716,208
cGo 3,248,989,026 422,561,730 396,387,428 422,561,730
JolQmut lgIf]k
cfjlws lgIf]k 92,122,665,166 61,170,018,067 92,122,665,166 61,168,864,580
art lgIf]k 78,703,553,599 92,931,831,078 78,703,553,599 90,255,064,092
rNtL lgIf]k 1,483,662,303 1,683,133,908 1,483,662,303 1,683,133,908
cGo 322,286,695 239,598,595 322,286,695 239,598,595
hDdf 292,756,561,319 289,497,923,428 289,903,959,721 287,024,798,908
k|fKt lgIf]kdf e'QmfgL of]Uo Jofh ;dfj]z ul/Psf] 5 .
$=@)=! u|fxsaf6 lgIf]k /sd ?=

;d"x a}+s
ljj/0f
g]kfnL ?k}of 291,623,494,014 288,387,830,250 288,781,932,953 285,913,915,471
ef/tLo ?kLof - - - -
cd]l/sL 8n/ 1,116,707,165 1,094,064,757 1,105,826,040 1,094,843,606
kfp08 :6ln{ª 1,179,228 1,155,318 1,167,738 1,156,141
o"/f] 2,396,019 2,347,437 2,372,673 2,349,109
hfkfgL o]g 4,032 3,950 3,993 3,953
lrlgofF o'cfg - - - -
cGo 12,780,861 12,521,715 12,656,325 12,530,629
hDdf 292,756,561,319 289,497,923,428 289,903,959,721 287,024,798,908
cGo d'b|fsf lgIf]knfO{ g]kfnL d'b|fdf ljlgod b/sf cfwf/df kl/jt{g u/L k|:t't ul/Psf] 5 .

$=@! ;fk6L (Borrowing) /sd ?=
;d"x a}+s
ljj/0f
:jb]zL ;fk6L
g]kfn ;/sf/ - - - -
cGo ;+:yf - - - -
cGo - - - -
hDdf - - - -
ljb]zL ;fk6L
ljb]zL a}+s tyf ljQLo ;+:yf - - - -
ax'klIfo ljsf; a}+sx? - - - -
cGo ;+:yfx? - - - -
cGo - - - -
hDdf - - - -
$=@@ Joj:yf /sd ?=

;d"x a}+s
ljj/0f
Provision for Redundancy - - - -
k'gM ;+/rgfsf] lglDt Joj:yf - - - -
sfg'gL / cfos/ ;DaGwL d'2f - - - -
Onerous Contracts - - - -
hDdf - - - -
$=@@=! Joj:yfdf ePsf] 36a9 /sd ?=

;d"x a}+s
ljj/0f
;fpg ! ut];Ddsf] df}Hbft - - - -
cf=j sf] yk Joj:yf - - - -
cf=j sf] vr{ ePsf] Joj:yf - - - -
cf=j sf] lkmtf{ ePsf] Joj:yf - - - -
Unwinding of Discount - - - -
c;f/ cGTosf] df}Hbft - - - -
136
$=@# Joj:yfdf ePsf] 36a9 /sd ?=
;d"x a}+s
ljj/0f
sd{rf/Lsf] nflu kl/eflift nfe bfloTj 44,694,757 5,422,812 41,183,249 10,581,933
bL3{sfnLg sd{rf/Lsf] ljbf ;DaGwLsf] bfloTj 87,023,511 23,348,593 87,023,511 11,376,432
cNksfnLg sd{rf/L ;DalGwsf] bfloTj - - - -
ltg{ afFsL lanx? 269,930,683 316,132,380 269,930,683 291,560,089
Creditors and Accruals 566,777,513 940,073,631 565,158,731 936,086,601
lgIf]kdf ltg{ afFsL Jofh - 3,332,038 - -
;fk6Ldf ltg{ afFsL Jofh - 9,759,361 - -
:yug cg'bfg ;DaGwL bfloTj - - - -
e'Qmfg gePsf] nfef+z 1,435,483,517 146,233,700 87,515,451 145,288,735
ljQLo k§f ;DaGwL bfloTj - - - -
e'QmfgL lbg afFsL sd{rf/L af]g; 685,419,439 609,116,363 666,244,832 516,240,621
cGo 4,777,408,287 3,532,514,291 4,629,586,862 3,016,964,799
Lease Liability 2,102,383,024 - 2,102,383,024 -
TDS Payable 295,330,885 292,066,538 295,330,885 292,066,538
cGo 2,379,694,377 3,240,447,753 2,231,872,953 2,724,898,261
hDdf 7,866,737,706 5,585,933,170 6,346,643,319 4,884,182,481
sd{rf/L nfe ;DaGwL bfloTjx? h:t} pkbfg bfloTj, nfdf] ;]jf labfsf] bfloTj, cNksfnLg sd{rf/L nfe cflb, k|fKt gePsf] cfDbfgL, ltg{ afFsL
nfef+z h:tf bfloTjx? of] lzif{s cGtu{t pNn]v ul/Psf] 5 . bL3{sfnLg labf cGtu{t la/fdL labf / jflif{s labf k5{g\ .
$=@#=! ljQLo cj:yfsf] ljj/0fdf n]vf°g ePsf] kl/eflift nfe bfloTj /sd ?=
;d"x a}+s
ljj/0f
u}/ of]ubfgdf cfwfl/t kl/eflift nfe bfloTjsf] - - - -
jt{dfg d"No
of]ubfgdf cfwfl/t kl/eflift nfe bfloTjsf] jt{dfg 372,463,611 301,564,460 372,463,611 301,564,460
d"No
bfloTjsf] jt{dfg s'n d"No 372,463,611 301,564,460 372,463,611 301,564,460
of]hgf ;DklQsf] Fair Value 244,256,851 323,522,825 244,256,851 323,522,825
v'b bfloTjsf] jt{dfg d"No 128,206,760 -21,958,365_ 128,206,760 -21,958,365_
kl/eflift nfe bfloTj 128,206,760 21,958,365 128,206,760 21,958,365
$=@#=@ of]hgf ;DklQ /sd ?=

;d"x a}+s
ljj/0f
O{lSj6L ;'/If0f kq - - - -
;/sf/L af]G8 - - - -
a}+s lgIf]k - - - -
cGo 244,256,850 323,522,824 244,256,850 323,522,824
hDdf 244,256,850 323,522,824 244,256,850 323,522,824

$=@#=# kl/eflift nfe bfloTjsf] jt{dfg d"Nodf kl/jt{g /sd ?=
;d"x a}+s
ljj/0f
cf=j sf] ;'?jftdf bfloTjsf] Fair Value 301,564,460 300,716,760 301,564,460 300,716,760
jLdfÍLs nfe÷gf]S;fg 87,325,173 68,053,790 87,325,173 68,053,790
of]hgfaf6 k|fKt nfe 92,239,240 37,327,460 92,239,240 37,327,460
jt{dfg ;]jf nfut / Jofh 79,324,725 106,228,950 75,813,218 106,228,950
cf=j sf] cGTodf bfloTjsf] Fair Value 375,975,118 301,564,460 372,463,611 301,564,460
$=@#=$ of]hgf ;DklQsf] jt{dfg d"Nodf ultljlw /sd ?=

;d"x a}+s
ljj/0f
cf=j sf] ;'?jftdf ;DklQsf] Fair Value 323,522,824 337,243,255 323,522,824 337,243,255
of]hgfdf ul/Psf] of]ubfg - - - -
of]hgfn] lt/]sf] nfe 92,239,240 37,327,460 92,239,240 37,327,460
jLdfÍLs nfe÷gf]S;fg 12,908,560 3,372,431 12,908,560 3,372,431
of]hgf ;DklQsf] cg'dflgt k|ltkmn 25,881,827 26,979,460 25,881,827 26,979,460
cf=j sf] cGTodf ;DklQsf] Fair Value 244,256,851 323,522,824 244,256,851 323,522,824
$=@#=% cfDbfgL ljj/0fdf n]vf°g ul/Psf] vr{ /sd ?=

;d"x a}+s
ljj/0f
jt{dfg ;]jf vr{ 51,688,061 79,164,442 51,688,061 79,164,442
Jofh vr{ 24,125,157 27,064,508 24,125,157 27,064,508
of]hgf ;DklQdf cg'dflgt nfe 25,881,826 26,979,460 25,881,826 26,979,460
cGo 69,510,414 22,461,758 69,510,414 22,461,758
cfDbfgL ljj/0fdf n]vf°g ul/Psf] vr{ 119,441,806 56,787,732 119,441,806 56,787,732
$=@#=^ cGo lj:t[t cfDbfgLdf n]vf°g ul/Psf] vr{ /sd ?=

;d"x a}+s
ljj/0f
jLdfÍLs nfe÷gf]S;fg 30,723,319 42,219,601 30,723,319 42,219,601
cGo lj:t[t cfDbfgLdf n]vf°g ul/Psf] vr{ - - - -
$=@#=& ljdfl°s cg'dfgx? /sd ?=

;d"x a}+s
ljj/0f
Discount b/ 8.50Ì 8.00Ì 8.50Ì 8.00Ì
tna a9f]Tt/L b/ 4.00Ì 4.00Ì 4.00Ì 4.00Ì
Withdrawal b/ 2.00Ì 2.00Ì 2.00Ì 2.00Ì
of]hgf ;DklQsf] cg'dflgt k|ltkmn 8.50Ì 8.00Ì 8.50Ì 8.00Ì
138
$=@$ hf/L ul/Psf] C0fkq /sd ?=
;d"x a}+s
ljj/0f
gfkmf / gf]S;fg dfkm{t Fair Value df hf/L ul/Psf] - - - -
C0f kq
kl/Zff]lwt nfut hf/L ul/Psf] C0f kq 10,726,356,675 10,969,374,120 10,726,356,675 10,969,374,120
hDdf 10,726,356,675 10,969,374,120 10,726,356,675 10,969,374,120
a}+s;Fu ljleGg kfFr j6f aSof}tf C0fkq /x]sf] 5 . h;dWo] # ca{ ?k}ofFsf] ( k|ltzt Pg cfO{ ;L Plzof af]G8 @)*!÷*@, b'O{ ca{ $) s/f]8 $^
nfv ** Ùhf/ ?k}ofFsf] Pg cfO{ ;L Plzof l8a]~r/ @)*%÷*^ Ps ca{ *# s/f]8 ?k}ofsf] Pg cfO{ ;L Plzof l8a]~r/ @)*@÷*#, Ps ca{ ($
s/f]8 #^ nfv (* Ùhf/ ?k}ofsf] Pg cfO{ ;L Plzof l8a]~r/ @)*#÷*$ / Ps ca{ %& s/f]8 #* nfv &@ Ùhf/ ?k}ofsf] Pg cfO{ ;L Plzof
l8a]~r/ @)** /x]sf] 5 . C0fkq ;DalGwt lj:t[t hfgsf/L %=@=@ -c_ -u_df pNn]v ul/Psf] 5 .
hf/L ul/Psf] C0fkq -kl/kSjtf_ /sd ?=

;d"x a}+s
ljj/0f
Ps aif{leq - - - -
Ps aif{ a9L / b'O{ aif{eGbf sd - - - -
b'O{ aif{ a9L tLg aif{eGbf sd 3,000,000,000 - 3,000,000,000 -
tLg aif{ a9L rf/ aif{eGbf sd 1,830,000,000 3,000,000,000 1,830,000,000 3,000,000,000
rf/ aif{ a9L kfFr aif{eGbf sd 1,943,698,000 1,830,000,000 1,943,698,000 1,830,000,000
kfFr aif{eGbf a9L 3,978,560,000 5,922,258,000 3,978,560,000 5,922,258,000
hDdf 10,752,258,000 10,752,258,000 10,752,258,000 10,752,258,000
$=@% ;xfos cfjlws bfloTj /sd ?=

;d"x a}+s
ljj/0f
lkmtf{ x'g] cu|flwsf/ z]o/ - - - -
kmtf{ gx'g] Cumulative cu|flwsf/ z]o/ - - - -
cGo - - - -
hDdf - - - -
l/kf]l6{ª ldlt;Dd a}+ssf] s'g} ;xfos bfloTjx? gePsf] .
$=@^ z]o/ k"FhL /sd ?=

;d"x a}+s
ljj/0f
;fwf/0f z]o/x? 11,564,005,366 11,564,005,366 11,564,005,366 11,564,005,366
kl/jt{gLo cu|flwsf/ k|fylds z]o/x? - - - -
lkmtf{ gx'g] cu|flwsf/ z]o/x? -O{lSj6L sDkf]gG] 6 dfq_ - - - -
e'tmfgL ldlt gePsf C0fkq -O{lSj6L sDkf]g]G6 dfq_ - - - -
hDdf 11,564,005,366 11,564,005,366 11,564,005,366 11,564,005,366

$=@^=! ;fwf/0f z]o/ k"FhL /sd ?=
a}+s
ljj/0f
o; jif{ ut jif{
clws[t k"FhL
!)) ?k}ofFsf !!%,&)),))) lsTff ;fwf/0f z]o/x?-@)&&÷&*_ - -
!)) ?k}ofFsf !!%,&)),))) lsTff ;fwf/0f z]o/x?-@)&*÷&(_ - -
hf/L k"FhL
!)) ?k}ofFsf !!%,^$),)%$ lsTff ;fwf/0f z]o/x?-@)&&÷&*_ - 11,564,005,366
!)) ?k}ofFsf !!%,^$),)%$ lsTff ;fwf/0f z]o/x?-@)&*÷&(_ 11,564,005,366
clws[t k"FhL
!)) ?k}ofFsf !!%,^$),)%$ lsQf ;fwf/0f z]o/x?-@)&&÷&*_ - 11,564,005,366
!)) ?k}ofFsf !!%,^$),)%$ lsQf ;fwf/0f z]o/x?-@)&*÷&(_ 11,564,005,366
$=@^=@ ;fwf/0f z]o/x? /sd ?=

a}+s
k|ltzt /sd k|ltzt /sd
:jb]zL :jfldTj
g]kfn ;/sf/ - - - -
s ju{sf cg'dltk|fKt ;+:yfx? - - - -
cGo O{hfhtkq k|fKt ;+:yfx? - - - -
cGo ;+:yfx? 6.93 801,620,100 6.53 754,715,000
;j{;fwf/0f 93.07 10,762,385,266 93.47 10,809,290,366
cGo - - - -
ljb]zL :jfldTj - - - -
hDdf 100 11,564,005,366 100 11,564,005,366
)=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf z]o/wgLsf] ljj/0f #@ c;f/ @)&( ;Dd
qm=;= z]o/wgLsf] gfd, y/ k|ltzt
! czf]s s'df/ cu|jfn 6.25Ì
@ lqnf]s rGb cu|jfn 5.34Ì
# /fdrGb| ;+3O{ 4.41Ì
$ ;'efif rGb| ;+3O{ 4.37Ì
% nf]sdfGo uf]N5f 3.10Ì
^ cg'h cu|jfn 3.07Ì
& ho>L uf]N5f 2.54Ì
* hubLz k|;fb cu|jfn 2.53Ì
( uf]ljGbnfn ;+3O{ 2.02Ì
!) lj/]Gb| s'df/ ;+3O{ 2.00Ì
!! cIfo uf]Nofg 1.94Ì
!@ t'n;L/fd cu|jfn 1.78Ì
!# d~h' cu|jfn 1.78Ì
!$ ;+lrtf cu|jfn 1.78Ì
140
)=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf z]o/wgLsf] ljj/0f #@ c;f/ @)&( ;Dd
qm=;= z]o/wgLsf] gfd, y/ k|ltzt
!% lgs'~h cu|jfn 1.78Ì
!^ g]kfn nfO{km OG:of]/]G; s= ln 1.10Ì
!& jf;'b]j uf]Nofg 0.98Ì
!* piff cu|jfn 0.96Ì
!( lgd{n s'df/ cu|jfn 0.90Ì
@) sljtf ;+3O{ 0.85Ì
@! clk{t cu|jfn 0.84Ì
@@ k|'8]lG;on Soflk6n Dofg]hd]G6 s= k|f= ln= 0.70Ì
@# ljzfn cu|jfn 0.69Ì
@$ zlQm s'df/ uf]Nofg 0.62Ì
@% cgGt s'df/ uf]Nofg 0.62Ì
@^ lbjfs/ uf]N5f 0.51Ì
$=@& hu]8f sf]if /sd ?=

;d"x a}+s
ljj/0f
;fwf/0f hu]8f sf]if 4,798,683,072 3,922,995,264 4,576,991,578 3,701,303,770
;6xL 36a9 sf]if 48,086,024 47,931,771 48,086,024 47,931,771
;+:yfut ;fdflhs pQ/bfloTj sf]if 56,283,442 40,001,768 56,283,442 33,584,112
k"+hL lkmtf{ hu]8f sf]if 3,354,774,000 1,889,949,667 3,354,774,000 1,889,949,667
lgodgsf/L sf]if 1,393,984,928 1,225,883,020 1,393,984,928 1,225,883,020
nufgL ;dfof]hg sf]if 500,000 500,000 500,000 500,000
;DklQ k'gd{"NofÍg sf]if - - - -
k"FhLut hu]8f sf]if - - - -
Fair Value sf]if 393,224,784 791,180,239 393,224,784 791,180,239
nfef+z ;lds/0f sf]if - - - -
jLdfÍLs nfe 19,802,679 41,309,003 19,802,679 41,309,003
ljz]if hu]8f sf]if - - - -
cGo hu]8f sf]if 51,857,464 8,033,824 8,419,893 8,419,893
hDdf 10,117,196,393 7,967,784,555 9,852,067,328 7,740,061,474
;fwf/0f hu]8f sf]if

;fwf/0f hu]8f sf]if a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# sf] lgofdsLo Joj:yf;Fu ;DalGwt /x]sf] 5 . o; cGtu{t v'b gfkmfsf] @)% /sd
;fwf/0f hu]8f sf]ifsf nflu 5'6\ofpg'kg]{ Joj:yf ul/Psf] 5 . hu]8f sf]if r'Qmf kF"hLsf] bf]Aa/ / To;kl5 v'b gfkmfsf] !) k|ltzt gx'Fbf;Dd 5'6\ofpg'kg]{
lgodgsf/L Joj:yf /x]sf] 5 .
;6xL 36a9 sf]if

g]kfn /fi6« a}+ssf] PsLs[t lgb]{zgsf] Joj:yf cg';f/ ;6xL 36a9 sf]if sfod /flvPsf] 5 . ljb]zL d'b|fnfO{ l/kf]6{ ug]{ d'b|fdf kl/jt{g ubf{ j}b]lzs
ljlgdo k'gM d"Nof+sg nfesf] @% k|ltzt 5'6\ofpg'kg]{] lgofdsLo Joj:yf adf]lhd of] sf]ifdf /sdfGt/0f cfO/x]sf] 5 .
;+:yfut ;fdflhs pQ/bfloTj sf]if

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd v''b gfkmfsf] !% ;+:yfut ;fdflhs pQ/bfloTjsf nflu ljlgof]hg ul/Psf] 5 .
lgodgsf/L sf]if
NFRS nfu' ubf{sf] kl/0ffd :j?k ;l~rt gfkmfdf k/]sf] k|efjaf6 cfPsf] /sd lgofdgsf/L sf]ifdf /flvPsf] 5 .

$=@* ;Defljt bfloTj / k|ltj4tf /sd ?=
;d"x a}+s
ljj/0f
;Defljt bfloTj / k|ltj4tf 4,068,979,537 11,081,585,957 4,068,979,537 11,081,585,957
Undrawn and Undisbursed Facilities 4,383,598,354 14,975,545,166 4,383,598,354 14,975,545,166
k"FhLut k|ltj4tf 115,464,883 16,294,287 115,464,883 16,294,287
k§f -nLh_ k|ltj4tf - - - -
d'2f dfldnf 534,599,660 426,881,522 534,599,660 426,881,522
hDdf 9,102,642,434 26,500,306,932 9,102,642,434 26,500,306,932
$=@*=! ;Defljt bfloTj /sd ?=

;d"x a}+s
ljj/0f
Acceptance and Documentary Credit 450,523,986 1,378,441,797 450,523,986 1,378,441,797
;+sngsf nflu lan 11,599,376 158,500,907 11,599,376 158,500,907
cu|Ld ljlgdo ;Demf}tf - 5,337,920,000 - 5,337,920,000
hdfgtx? 3,606,856,174 4,206,723,253 3,606,856,174 4,206,723,253
k|Tofe"lt k|ltj4tf - - - -
cGo k|Tofe"lt - - - -
hDdf 4,068,979,537 11,081,585,957 4,068,979,537 11,081,585,957
$=@*=@ Undrawn and Undisbursed Facilities /sd ?=

;d"x a}+s
ljj/0f
Undrawn and Undisbursed Facilities - - - -
pkof]u gul/Psf] cf]e/8«fÇ6sf] ;Ldf 3,457,139,093 14,046,474,575 3,457,139,093 14,046,474,575
pkof]u gul/Psf] sf8{sf] ;Ldf 926,459,261 929,070,592 926,459,261 929,070,592
pkof]u gul/Psf] ckm qm]l86sf] ;Ldf - - - -
pkof]u gul/Psf] hdfgtsf] ;Ldf - - - -
hDdf 4,383,598,354 14,975,545,166 4,383,598,354 14,975,545,166
$=@*=# kF"hLut k|ltj4tf /sd ?=

;d"x a}+s
ljj/0f
;Dklt / pks/0fsf] ;DaGwdf k"FhLut k|ltj4tfx?
cg'df]lbt / cg'alGwt 115,464,883 13,344,558 115,464,883 13,344,558
cg'df]lbt t/ cg'alGwt gePsf - 2,949,729 - 2,949,729
hDdf 115,464,883 16,294,287 115,464,883 16,294,287
cd"t{ ;Dkltsf] ;DaGwdf s'n k|ltj4tfx? - - - -
cg'df]lbt / cg'alGwt - - - -
cg'df]lbt t/ cg'alGwt gePsf - - - -
hDdf - - - -
s'n 115,464,883 16,294,287 115,464,883 16,294,287
k'FhL k|ltj4tfdf zfvf lj:tf/sf nflu laqm]tf;Fu ul/Psf] ;Demf}tf ;dfj]z ul/Psf] 5 .
142
$=@*=$ k§f -nLh_ k|ltj4tf /sd ?=
;d"x a}+s
ljj/0f
;~rflnt 7]Ssf k|ltj4tf /2 ug{ gldNg] ;~rfng
nLh cGtu{t eljiodf ltg'{kg]{ Go"gtd lnh /sd, hxfF
cfkm} nLhL /x]sf] 5
! jif{ eGbf a9L gx'g] - - - -
! jif{ eGbf a9L t/ % jif{ eGbf a9L gx'g] - - - -
% jif{ eGbf a9L - - - -
hDdf - - - -
ljQ nLh k|ltj4tfx? /2 ug{ gldNg] ;~rfng nLh

cGtu{t eljiodf ltg'{kg]{ Go"gtd lnh /sd, hxfF
cfkm} nLhL /x]sf] 5
! jif{ eGbf a9L gx'g] - - - -
! jif{ eGbf a9L t/ % jif{ eGbf a9L gx'g] - - - -
% jif{ eGbf a9L - - - -
hDdf - - - -
hDdf /sd - - - -
$=@*=% d'2f dfldnfx?

a}+ssf] d'2f dfldnf ;fdfGotof o;sf] ;fwf/0f sfo{If]q;Fu ;DalGwt /x]sf] 5 . d'2fx? d'Vou/L cfos/ tyf d"No clej[l4 s/sf] k|s[ltdf /x]sf 5g\
h;nfO{ gf]6 %=^=! Df lj:t[t ?kdf j0f{g ul/Psf] 5 . u|fxsx?af6 a/fdb ul/Psf] ;Dklt;Fu ;DalGwt /x]/ g]kfnsf ljleGg cbfntdf km};nf x'g
afFsL /x]sf d'2fx? ;dfj]z ul/Psf] 5 .

$=@( Jofh cfDbfgL /sd ?=
;d"x a}+s
ljj/0f
gub / gub ;dfg 49,184,900 43,155,659 48,789,725 41,131,633
g]kfn /fi6« a}+sdf /x]sf] d}Hbft 7,603,183 6,128,900 7,603,183 6,128,900
a}+s tyf ljQLo ;+:yf;Fu Kn];d]G6 12,446,256 151,137,183 - -
a}+s tyf ljQLo ;+:yfnfO{ shf{ tyf ;fk6 701,513,659 383,281,986 701,513,659 626,597,215
u|fxsnfO{ shf{ tyf ;fk6L 31,879,832,550 22,584,771,601 28,798,827,463 20,992,806,067
nufgL ;'/If0f kq 2,385,699,941 1,529,372,583 2,385,699,941 1,515,757,444
sd{rf/LnfO{ shf{ tyf ;fk6L 829,480,439 379,707,067 829,480,439 379,707,067
cGo - - - -
s'n Jofh cfDbfgL 35,865,760,928 25,077,554,979 32,771,914,410 23,562,128,326
g]kfn /fi6« a}+sn] Hff/L u/]sf] lgb]{zg (Income Recognition Guidelines, 2019) cg';f/ ? ^,@^@,!&) sf] cflh{t JofhnfO{ cfDbfgL hgfPsf] /
clh{t Jofhaf6 ;dfof]hg ul/Psf] .
$=#) Jofh vr{ /sd ?=
;d"x a}+s
ljj/0f
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afFsL 797,635,477 394,246,200 524,234,982 16,860,430
g]kfn /fi6« a}+snfO{ ltg{ afFsL 96,391,049 45,031,901 96,391,049 45,031,901
u|fxsaf6 lgIf]k 21,069,852,744 13,372,039,173 19,809,230,269 13,319,001,602
;fk6L - - - -
hf/L ul/Psf] C0fkq 1,052,455,840 953,731,562 1,052,455,840 953,731,562
;'/If0f g/flvPsf] ;fxfos cfjlws bfloTj - - - -
cGo - - - -
s'n Jofh vr{ 23,016,335,109 14,765,048,836 21,482,312,140 14,334,625,495
$=#! z'Ns tyf sldzg cfDbfgL /sd ?=

;d"x a}+s
ljj/0f
shf{ k|zf;lgs z'Ns 1,102,728,264 1,066,786,730 1,102,728,264 857,263,842
;]jf z'Ns 312,758,566 19,139,714 30,824,314 31,915,947
sG;f]{6Lod z'Ns - - - -
k|ltj4tf z'Ns 4,101,438 2,322,295 4,101,438 2,322,295
8L8L÷6L6L÷l:jÇ6 z'Ns 5,400,593 3,941,782 5,400,593 3,941,782
qm]l86 sf8{÷P6LPd hf/L tyf gljs/0f z'Ns 919,319,953 585,529,332 919,319,953 585,529,332
clud| e'QmfgL tyf :jfk z'Ns 28,600,203 34,061,436 28,600,203 34,061,436
OGe]i6d]G6 a}+lsË z'Ns 152,701,478 161,841,796 - -
;Dklt Joj:yfkg z'Ns 63,443,390 42,945,131 - -
a|f]s/]h z'Ns - - - -
/]ld6\ofG; z'Ns 50,893,718 71,034,563 50,893,718 71,034,563
k|lttkqdf sldzg 12,766,698 17,494,574 12,766,698 17,494,574
hdfgtkq lgisfzg z'Ns 56,931,142 64,399,912 56,931,142 64,399,912
z]o/ Hff/L tyf k|Tofe'tL sldzg - - - -
ns/ ef8f 17,078,882 16,972,270 17,078,882 16,972,270
cGo z'Ns / sldzg 141,005,923 164,263,913 141,005,923 155,768,171
hDdf 2,867,730,249 2,250,733,449 2,369,651,129 1,840,704,124
144
$=#@ z'Ns tyf sldzg vr{ /sd ?=
;d"x a}+s
ljj/0f
P6LPd Joj:yfkg z'Ns - - - -
eL;f÷df:6/ sf8{ z'Ns 317,838,497 189,766,556 318,875,047 189,766,556
Uof/]G6L sldzg - - - -
a|f]s/]h - - - -
8L8L÷6L6L÷l:jÇ6 z'Ns 7,779,059 6,569,759 7,779,059 6,569,759
/]ld6\ofG; z'Ns tyf sldzg - - - -
cGo z'Ns tyf sldzg vr{ 57,061,790 59,819,386 20,421,883 20,561,768
hDdf 382,679,346 256,155,701 347,075,989 216,898,083
z'Ns / sldzg ;]jf jfkt a}+sn] kfPsf] e'QmfgL o; vftf lzif{sdf pNn]v ul/Psf] 5 . of] vftf lzif{sdf sf8{;Fu ;DalGwt z'Ns, Uof/]G6L sldzg,
a|f]s/]h, vr{ nufot ;dfj]z ul/Psf] 5 .
$=## v'b sf/f]af/ cfDbfgL /sd ?=

;d"x a}+s
ljj/0f
Jofkfl/s ;Dkltsf] Fair Value kl/jt{g - - - -
Jofkfl/s ;Dkltsf] lg;u{df gfkmf÷-gf]S;fg_ - 49,136,808 - -
Jofkfl/s ;Dkltsf] Jofh cfDbfgL 213,119 - - -
Jofkfl/s ;Dkltdf nfef+z cfDbfgL - - - -
ljb]zL ljlgdo sf/f]af/df gfkmf÷-gf]S;fg_ 200,929,858 277,780,325 200,929,858 277,780,325
cGo - - - -
hDdf 201,142,977 326,917,132 200,929,858 277,780,325
Jofkfl/s cfDbfgLdf Jofkfl/s ;Dklt tyf bfloTj;Fu ;DalGwt kmfObfaf6 x'g] xfgL 36fO{ Jofh, nfef+z / ljb]zL ljlgdo kl/jt{g;lxt ;Dklt tyf
bfloTjdf cfpg] uf}0f kl/jt{g klg ;dfj]z ul/Psf] 5 . ljb]zL ljlgdo sf/f]af/sf] kl/0ffddf kmfObf / gf]S;fg ;fd]n x'G5 / km/jf8{ cg'aGw tyf
cg'jflbt ljz]bL d'b|f ;Dklt /x]sf] x'G5 .
$=#$ cGo ;~rfng cfDbfgL /sd ?=

;d"x a}+s
ljj/0f
ljb]zL ljlgdo k'gM d"NofÍg nfe 617,014 33,409,817 617,014 33,409,817
lwtf]kq nufgL laqmLaf6 gfkmf÷-gf]S;fg_ 4,287,142 109,479,478 4,287,142 103,221,866
nufgL ;Dkltdf Fair Value gfkmf÷-gf]S;fg_ - - - -
O{lSj6L pks/0fdf nfef+z 258,082,327 76,255,866 254,015,179 75,162,506
;Dklt tyf pks/0fsf] laqmLdf gfkmf÷-gf]S;fg_ 1,466,996 45,982 1,123,797 45,982
;Dklt nufgL laqmLdf gfkmf÷-gf]S;fg_ 44,366,291 13,444,813 44,366,291 13,444,813
k§f ;~rfng cfDbfgL - - - -
;'g / rfFbLsf] laqmLdf gfkmf÷-gf]S;fg_ - - - -
cGo 1,882,452 89,270 - -
hDdf 310,702,222 232,725,226 304,409,423 225,284,985
a}+sn] ?= !!!,*@&,^() Fair Value a/fa/sf] O{lSj6L z]o/ ?= #$(,&)#,%@( df laqmL u/]sf] 5 . nufgL ;'/If0f laqmLdf ?= $,@*&,!$@ gfkmf
b]vfOPsf] 5 eg] ?= !#),*)(,^&) ;+lrt d'gfkmfdf / ?= #@,&)@,$!* ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 / afFsL ? &),)&^,^)( s/
/sd /x]sf] 5 .

$=#% C0f / cGo gf]S;fgsf] nflu xfgL÷lkmtf{ /sd ?=
;d"x a}+s
ljj/0f
a}+s tyf ljQLo ;+:yfnfO{ lbPsf] shf{ tyf ;fk6Ldf 2,502,080 60,024,172 2,502,080 60,024,172
gf]S;fgL Joj:yf÷-lkmtf{_
u|fxsnfO{ lbPsf] shf{ tyf ;fk6Ldf gf]S;fgL 867,762,484 1,325,128,282 867,762,484 1,165,599,875
Joj:yf÷-lkmtf{_
ljQLo nufgLsf] nflu xfgL÷-lkmtf{_ - - - -
a}s
+ tyf ljQLo ;+:yfdf k]N;d]G6sf] nflu xfgL÷-lkmtf{_ 92,301,540 - - -
;DklQ / pks/0fsf] nflu xfgL÷-lkmtf{_ - - - -
;fv / cd't{ ;DklQsf] nflu xfgL÷-lkmtf{_ - - - -
nufgL ePsf] ;DklQsf] nflu xfgL÷-lkmtf{_ - - - -
hDdf 957,561,945 1,385,152,454 865,260,404 1,225,624,047
$=#^ sd{rf/L vr{ /sd ?=

;d"x a}+s
ljj/0f
tna 1,708,685,511 1,197,827,682 1,241,123,911 1,084,078,465
eQf 1,338,231,645 1,089,577,840 1,336,718,776 1,000,404,613
pkbfg vr{ 21,798,758 34,482,777 21,041,863 31,637,669
;~ro sf]if 109,228,358 95,181,472 108,747,410 88,366,720
kf]zfs - - - -
tflnd tyf j[l4 ljsf; vr{ 119,080,815 46,357,453 118,602,949 41,398,697
ljbfsf] gub e'QmfgL 99,908,444 42,135,708 98,399,943 25,150,063
cf}ifwf]krf/ 11,828,186 6,504,162 11,428,785 5,806,519
aLdf 8,176,943 1,803,937 8,176,943 1,803,937
sd{rf/L k|f]T;fxg vr{ 31,547,297 78,341,485 29,803,987 72,354,322
gub z]o/df cfwfl/t e'QmfgL - - - -
k]G;g e'QmfgL - - - -
NFRS cGtu{tsf] ljQLo vr{ 617,134,524 316,860,994 617,134,524 316,860,994
sd{rf/L;Fu ;DaGwLt cGo vr{ 247,634,595 187,531,147 243,322,426 163,834,439
hDdf 4,313,255,077 3,096,604,658 3,834,501,518 2,831,696,437
sd{rf/L af]g; 778,377,339 608,977,990 666,244,832 516,240,621
hDdf 5,091,632,415 3,705,582,648 4,500,746,350 3,347,937,058
146
$=#& cGo ;~rfng vr{ /sd ?=
;d"x a}+s
ljj/0f
;~rfns ;ldltsf] a}7s eQf 10,788,000 9,185,600 10,288,000 7,557,600
;~rfns ;ldltsf] cGo vr{ 1,783,701 1,978,721 1,752,028 1,733,173
n]vfk/LIfssf] kfl/>lds 275,060,143 2,803,300 2,825,000 2,486,000
n]vfk/LIf0f ;DaGwL cGo vr{ 7,594 679,145 - -
k]zfut / sfg'gL vr{ 14,212,799 8,177,233 14,212,799 7,869,298
sfof{no Joj:yfkg vr{ 1,324,136,788 1,070,378,590 1,318,027,530 973,733,017
;~rflnt k§f vr{ 552,208,596 507,764,842 549,007,333 478,756,080
nufgL ;DklQsf] ;~rfng vr{ - - - -
;+:yfut ;fdflhs pQ/bfloTj vr{ - - - -
Onerous lease provisions - - - -
cGo 211,018,450 145,670,424 205,430,986 142,297,426
hDdf 2,389,216,070 1,746,637,856 2,101,543,675 1,614,432,594
$=#&=! sfof{no Joj:yfkg vr{ /sd ?=

;d"x a}+s
ljj/0f
kfgL tyf lah'nL 93,462,526 80,709,793 93,462,526 78,582,155
dd{t ;Def/ - - - -
s= ejg 996,258 926,480 996,258 926,480
v= ;jf/L ;fwg 21,080,121 14,061,707 21,080,121 13,454,890
u= sDKo'6/ / ;dfgx? 6,128,934 68,587,561 6,128,934 68,587,561
3= sfo{fno pks/0f tyf kmlg{r/ 59,166,618 43,839,399 58,807,172 39,016,734
ª= cGo 132,814,579 19,032,107 132,814,579 14,716,177
ladf vr{ 152,744,765 110,417,872 152,656,709 109,726,292
x'nfs, 6]n]S;, 6]lnkmf]g / km\ofS; 133,297,395 151,168,193 133,297,395 136,674,959
d;nGb / 5kfO{ 115,762,179 94,009,288 115,084,288 81,715,008
klqsf tyf k':ts 4,108,073 391,428 4,108,073 390,828
la1fkg vr{ (Cash Back ;lxt) 251,328,416 92,232,019 251,158,350 89,054,914
rGbf - 9,340 - -
;'/Iff vr{ 245,982,804 206,871,800 244,891,056 204,501,468
shf{ tyf lgIf]k ;'/If0f vr{ - 87,403,821 - 67,145,637
e|d0f vr{ tyf eQf 74,083,785 28,321,509 73,899,516 22,094,070
dgf]/~hg vr{ 8,885 23,213 8,885 23,213
jflif{s ;fwf/0f ;ef vr{ 1,861,096 1,223,910 1,839,366 791,990
cGo - - - -
s= ;/;kmfO{ vr{ 9,033,464 20,852,117 9,033,464 20,852,117
v= pkof]uLtf vr{ 11,017,419 11,407,781 8,841,402 5,544,844
u= cGo sfo{fno vr{ 11,259,470 38,889,255 9,919,436 19,933,680
hDdf 1,324,136,788 1,070,378,590 1,318,027,530 973,733,017

$=#* x|f;s§L / kl/zf]wg /sd ?=
;d"x a}+s
ljj/0f
;DklQ / pks/0fdf x|f;s§L 392,920,750 361,968,065 350,809,391 335,969,748
nufgL ePsf] ;DklQdf x|f;s§L - - - -
cd't{ ;DklQdf kl/zf]wg 34,742,589 32,939,380 33,908,041 32,182,023
hDdf 427,663,339 394,907,445 384,717,432 368,151,770
$=#( u}/ ;~rfng cfDbfgL /sd ?=

;d"x a}+s
ljj/0f
ckn]vg ul/Psf] shf{ c;'naf6 cfDbfgL 62,242,193 1,280,000 62,025,869 1,280,000
cGo cfDbfgL - 4,873,213 - 4,873,213
hDdf 62,242,193 6,153,213 62,025,869 6,153,213
$=$) u}/ ;~rfng vr{ /sd ?=

;d"x a}+s
ljj/0f
shf{ ckn]vg 31,071,210 158,216,336 31,071,210 158,216,336
Redundancy Joj:yf - - - -
k'g/;+/rfgfsf] vr{ - - - -
cGo vr{ - - - -
hDdf 31,071,210 158,216,336 31,071,210 158,216,336
$=$! cfos/ vr{ /sd ?=

;d"x a}+s
ljj/0f
o; jif{sf] s/ vr{ 2,097,744,074 1,629,901,585 1,793,277,862 1,388,696,402
o; jif{ 2,097,744,074 1,629,901,585 1,793,277,862 1,388,696,402
ut jif{sf ;dfo]hgf - - - -
:yug s/ vr{ 11,887,494 14,022,922 12,001,324 1,465,280
Origination and reversal of temporary dierences 11,887,494 14,022,922 12,001,324 1,465,280
s/ b/df cfPsf] kl/jt{g - - - -
clwNnf] jif{x?df gb]lvPsf] s/ gf];fgsf] klxrfg - - - -
hDdf 2,085,856,580 1,643,924,507 1,781,276,538 1,387,231,122
o; lzif{sdf v'b s/of]Uo gfkmfdf nfUg] cfos/ /sdsf] klxrfg / k|:t't ul/Psf] 5 . o; vftf lzif{sdf rfn' s/ vr{, l8km8{ s/ vr{÷s/ cfo
;dfj]z ul/Psf] 5 .
148
$=$!=! s/ vr{ / n]vf gfkmfsf] ldnfk /sd ?=
;d"x a}+s
ljj/0f
s/ klxn]sf] gfkmf 7,011,419,135 5,482,382,724 5,996,203,489 4,646,165,589
s/ cg'kft #) k|ltztsf] s/ /sd 2,103,425,740 1,644,714,817 1,798,861,047 1,393,849,677
ykM vr{sf] s/ k|efj h'g s/ k|of]hgsf nflu 247,861,350 185,929,227 247,861,350 185,929,227
s6f}tLof]Uo gx'g]
sdM 5'6 cfodf s/ k|jfx 253,444,535 191,082,502 253,444,535 191,082,502
yk÷sdM cGo a:t'df s/ k|jfx 11,985,976 4,362,965 12,001,324 1,465,280
hDdf cfDbfgL s/ vr{ 2,085,856,580 1,643,924,507 1,781,276,538 1,387,231,122
k|efjsf/L s/ b/ 29=7’ 30’ 29=7’ 29=9’

ljQLo ljj/0f;Fu ;DalGwt cg';"rLx?
ljt/0f of]Uo gfkmf jf gf]S;fg ;DaGwL ljj/0f
@)&( c;f/ #@ ;Dd -;g\ @)@@ h'nfO{ !^ ;Dd_ /sd ?=
;+lrt d'gfkmf 1,599,552,618 1,975,813,622
gfkmf÷gf]S;fg ;DaGwL ljj/0fsf cfwf/df v'b gfkmf÷gf]S;fg 4,214,926,951 3,258,934,467
ljlgof]hg M - -
s_ ;fwf/0f hu]8f 842,985,390 651,786,893
v_ ;6xL 36a9 sf]if 154,254 8,352,454
u_ kF"hL r'Qmf sf]if 1,464,824,333 789,949,667
3_ ;+:yfut ;fdflhs pQ/bfloTj sf]if 42,149,270 32,589,345
ª_ sd{rf/L tflnd sf]if - -
r_ cGo - -
– :yug s/ sf]if - -
– nufgL ;dfof]hg sf]if - (149,500,000

– nufgL laqmL (130,809,670) (162,796,876)
– O{lSj6Lwf/snfO{ nfef+z - 1,943,535,643
lgodgsf/L ;dfof]hg cl3sf] gfkmf÷gf]S;fg 1,995,623,375 145,017,341
lgodgsf/L ;dfof]hg M (168,101,908) (521,278,345)
s_ c;'n x'g afFsL Jofh÷cl3Nnf] jif{sf] c;'n x'g afFsL Jofhsf] c;'nL (483,599,575) (46,864,586)
v_ vftfdf ePsf] ;fgf shf{ hf]lvd Joj:yfdf sdL -–_ j[l4 -±_ - -
u_ nufgLsf] ;Defljt hf]lvd jfkt Joj:yfdf sdL -–_ j[l4 -±_ (2,126,250) 8,119,816
3_ u}/ a}+lsË ;Dkltdf shf{ hf]lvd Joj:yfdf sdL -–_ j[l4 -±_ 348,347,237 (491,021,409)
ª_ :yug s/ ;DklQsf] n]vfÍg -–_ ckn]vfÍg -±_ - -
r_ ;fv klxrfg -–_÷;fvfsf] xfgL -±_ - -
5_ Bargain Purchase Gain -–_ ljkl/t -±_ - -
h_ jLdfÍLs gf]S;fg klxrfg -–_ ljkl/t -±_ (30,723,319) 8,487,833
em_ cGo -±÷–_ - -
– kl/zf]lwt nfutdf n]vfÍg ul/Psf] C0fkqx? - -
– cGo hu]8f sf]if - -
– Fair Value sf]if - -
ljt/0f of]Uo gfkmf÷gf]S;fg 3,427,074,085 1,599,552,618
150
;}4flGts ;"rf°x?
cg'kft ;"rf° @)&$÷&% @)&%÷&^ @)&^÷&& @)&&÷&* @)&*÷&(

v'b gfkmf÷s'n cfDbfgL k|ltzt 24.91 31.80 29.00 28.70 30.50
k|lt z]o/ cfDbfgL ? 16.62 34.22 31.89 28.18 36.45
ahf/ d"No k|lt z]o/ ? 316.00 448.00 553.00 994.00 696.00
d"No cfDbfgL cg'kft cgÚkft 19.01 13.09 17.34 35.27 19.10
z]o/ k"FhLdf nfef+z -agf]; ;lxt_ k|ltzt 10.53 21.05 20.00 - -
z]o/ k"FhLdf gub nfef+z k|ltzt 0.53 11.05 1.00 - -
Jofh cfDbfgL÷shf{ ;fk6 tyf nufgL k|ltzt 10.12 11.74 10.39 8.06 10.82
sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 61.48 56.85 56.68 62.81 64.42
Jofh vr{÷s'n lgIf]k / ;fk6L k|ltzt 6.53 6.71 6.21 4.81 7.41
;6xL 36a9 cfDbfgL÷s'n cfDbfgL k|ltzt 1.42 1.60 1.43 1.20 0.56
s'n nfut÷s'n cfDbfgL k|ltzt 62.04 49.33 53.66 52.63 53.94
sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 11.29 19.92 16.79 15.42 14.80
k|lt sd{rf/L vr{ ? 777,876 713,373 1,000,745 882,895 1,026,396
k|lt sd{rf/L÷s'n cfDbfgL ? 582,655 870,761 1,065,522 859,424 961,215
s'n shf{÷s'n lgIf]k k|ltzt 86.30 84.55 85.75 87.58 89.85
s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 1.83 2.02 2.05 1.54 1.95
kF"hL kof{Kttf -hf]lvd efl/t ;DklQdf_

k|fylds kF"hL k|ltzt 8.66 8.24 8.35 7.36 8.80
k'/s kF"hL k|ltzt 3.58 5.08 5.15 5.11 4.57
s'n k"FhL sf]if k|ltzt 12.24 13.32 13.50 12.47 13.38
t/ntf k|ltzt 24.45 26.05 27.09 20.65 20.30
v'b gfkmf÷s'n shf{ cgÚkft 1.10 2.00 1.76 1.22 1.55
s'n lgis[o shf{÷s'n shf{ cgÚkft 0.06 0.46 0.75 0.50 0.53
v'b lgis[o shf{÷s'n shf{ cgÚkft 0.01 0.23 0.27 0.24 0.07
efl/t cf}ift Aofhb/ cGt/ k|ltzt 3.60 5.02 4.18 3.25 3.41
s'n ;DklQdf k|ltkmn k|ltzt 0.97 1.56 1.32 1.09 1.20
O{lSj6Ldf k|ltkmn k|ltzt 12.09 22.73 19.26 17.09 18.43
v'b lstfaL d"No ? 145 169 177 181 215
s'n z]o/ ;_Vof 80,311,170 88,342,287 97,176,516 115,640,054 115,640,054
s'n sd{rf/L ;_Vof 2,291 3,472 2,908 3,792 4,385
zfvf ;+Vof ;_Vof 231 292 326 356 359
P6LPd ;+Vof ;_Vof 220 302 464 473 473

n]vfk/LIf0f ul/Psf] / gul/Psf] ljQLo ljj/0fsf] t'ngfTds ljj/0f
/sd ?=
ljQLo cj:yfsf] PsLs[t ljj/0f n]vfk/LIf0f n]vfk/LIf0f leGgtf leGgtfsf] sf/0f
;DklQ gul/Psf] ljQLo ul/Psf] ljQLo /sddf k|ltztdf
ljj/0f cg';f/ ljj/0f cg';f/
gub tyf gub ;dfg 27,591,988,416 27,813,319,163 221,330,747 1 nufgL ;DklQaf6 k'gM juL{s/0f
g]kfn /fi6« a}s
+ df /x]sf] df}Hbft 12,521,711,192 12,654,486,629 132,775,437 1 nufgL ;DklQaf6 k'gM juL{s/0f
a}s
+ tyf ljQLo ;+:yfdf /x]sf] df}Hbft - - - -
Jo'TkGg ljQLo pks/0f - - - -
cGo Jofkfl/s ;DklQ 162,822,000 162,822,000 - -
ljQLo ;+:yfnfO{ shf{ ;fk6L 14,099,444,435 14,099,444,435 - -
u|fxsnfO{ shf{ ;fk6L 252,443,497,542 252,448,483,250 4,985,708 0 shf{ gf]SzfgL Joj:yf

nufgL ;'/If0fkq 39,393,738,103 39,048,156,820 345,581,283 1 g]kfn /fi6« a}s
+ af6 gub /
;dfgsf] k'gM juL{s/0f
rfn' s/ ;DklQ 7,119,770 140,559,743 133,439,973 1,874 gfkmfdf cfPsf] kl/jt{gsf] sf/0f
;xfos sDkgLdf nufgL 1,264,500,000 1,264,500,000 - -
;Da4 sDkgLdf nufgL - - - -
nufgL ;DklQ 722,531,322 722,531,322 - -
;DklQ tyf pks/0f 3,093,072,139 3,093,072,139 - -
VoftL tyf cd"t{ ;DklQ 132,654,932 132,654,932 - -
:yug s/ ;DklQ - - - -
cGo ;DklQ 6,990,574,616 6,989,807,914 766,702 0
hDdf ;DklQ 358,423,654,468 358,569,838,348 146,183,880 -
bfloTj
a}s
+ tyf ljQLo ;+:yfnfO{ ltg{ afFsL 6,754,201,873 6,754,201,873 - -
g]kfn /fi6« a}s

+ nfO{ ltg{ afFsL 19,727,764,978 19,727,764,978 - -
Jo'TkGg ljQLo pks/0f - - - -
u|fxsaf6 lgIf]k 289,903,959,721 289,903,959,721 - -
;fk6L (Borrowing) - - - -
rfn' s/ bfloTj - - - -
Joj:yf - - - -
:yug s/ bfloTj 268,469,574 267,765,003 704,572 0 NFRS ;dfof]hgsf] sf/0fn]

:yug s/df kl/jt{g
cGo bfloTj 5,889,259,458 6,346,643,319 457,383,862 8 cltl/Qm vr{ Joj:yf
hf/L ul/Psf] C0fkq 10,726,356,675 10,726,356,675 - -
;xfos cfjlws bfloTj - - - -
hDdf bfloTj 333,270,012,279 333,726,691,569 456,679,290 0
O{lSj6L
z]o/ k"hF L 11,564,005,366 11,564,005,366 - -
;+lrt d'gfkmf 3,845,991,376 3,427,074,085 418,917,291 11 gfkmf tyf gf]S;fg ljj/0fdf
;dfof]hg
hu]8f sf]if 9,743,645,447 9,852,067,328 108,421,881 1 gfkmf tyf gf]S;fg ljj/0fdf
;dfof]hg
O{lSj6L wf/snfO{ ljt/0f of]Uo O{lSj6L 25,153,642,189 24,843,146,779 -310,495,410_ 1
u}/ lgolGqt :jfy{ - - - -
hDdf O{lSj6L 25,153,642,189 24,843,146,779 -310,495,410_ 1
hDdf bfloTj / O{lSj6L 358,423,654,468 358,569,838,348 146,183,880 0
152
===cl3Nnf] k[i7af6 lg/Gt/ /sd ?=
gfkmf cyjf gf]S;fgsf] Plss[t n]vfk/LIf0f n]vfk/LIf0f leGgtf leGgtfsf] sf/0f
ljj/0f gul/Psf] ljQLo ul/Psf] ljQLo /sddf k|ltztdf
ljj/0f cg';f/ ljj/0f cg';f/
Jofh cfDbfgL 33,254,500,125 32,771,914,410 482,585,715 1 NFRS cg'zf/ development
bond kl/zf]wg / Aofh cfDbfgL
l/e;{n
Jofh vr{ 21,482,312,140 21,482,312,140 - -
v'b Jofh cfDbfgL 11,772,187,985 11,289,602,271 -482,585,715_ 4
z'Ns tyf sldzg cfDbfgL 2,366,552,432 2,369,651,129 3,098,697 0 NFRS cg'zf/ debenture
kl/zf]wg
z'Ns tyf sldzg vr{ 347,018,662 347,075,989 57,327 0 u}/ ;~rfng cfDbfgLaf6
k'gj{uL{s/0f
v'b z'Ns / sldzg cfDbfgL 2,019,533,770 2,022,575,140 3,041,370 0
v'b Jofh, z'Ns / sldzg cfDbfgL 13,791,721,755 13,312,177,410 -479,544,345_ 3
v'b sf/f]af/ cfDbfgL 200,929,858 200,929,858 - -
cGo ;~rfng cfDbfgL 304,405,164 304,409,423 4,260 0 u}/ ;~rfng cfDbfgL af6
k'gj{uL{s/0f
s'n ;~rfng cfDbfgL 14,297,056,776 13,817,516,691 -479,540,085_ 3
C0f / cGo gf]S;fgsf] nflu xfgL÷-lkmtf{_ 870,246,113 865,260,404 4,985,708 1 cltl/Qm shf{ gf]SzfgL Joj:yf
v'b ;~rfng cfDbfgL 13,426,810,664 12,952,256,287 -474,554,377_ 4
;~rfng vr{
sd{rf/L vr{ 4,547,783,184 4,500,746,350 47,036,834 1 gfkmfdf kl/jt{gsf] sf/0fn]
sd{rf/L af]g;df cfPsf] kl/jt{g
cGo ;~rfng vr{ 2,084,368,196 2,101,543,675 17,175,479 1 cltl/Qm ;~rfng vr{ Joj:yf
x|f;s§L / kl/zf]wg 384,717,432 384,717,432 - -
;~rfng gfkmf 6,409,941,852 5,965,248,830 -444,693,022_ 7
u}/ ;~rfng cfDbfgL 62,025,869 62,025,869 - -
u}/ ;~rfng vr{ 31,124,277 31,071,210 53,067 0 z'Ns / sldzg cfDbfgL / cGo
;~rfng cfDbfgL k'gM juL{s/0f
cfos/ cl3sf] gfkmf 6,440,843,444 5,996,203,489 -444,639,955_ 7
cfos/ vr{
rfn' s/ 1,926,717,835 1,793,277,862 133,439,973 7 gfkmfdf cfPsf] kl/jt{gsf] sf/0f
:yug s/ 11,296,752 12,001,324 704,572 6 NFRS ;dfof]hgsf] sf/0fn]
:yug s/df kl/jt{g
o; cf=j= sf] gfkmf 4,525,422,361 4,214,926,951 -310,495,410_ 7

%= k|:6Ls/0f / yk hfgsf/L (Disclosure and Ps 5'§} PsLs[t hf]lvd Joj:yfkg ljefu -IRMD_
Additional Information)
u7g u/]sf] 5 . IRMD n] ljZjJofkL, ;"Id / ljefuLo
:t/sf] hf]lvdsf] klxrfg, lgu/fgL / Joj:yfkg ub{5
%=! hf]lvd Joj:yfkg h'g b}lgs Joj;fo ;~rfngaf6 cfjlws ?kdf pTkGg
a}+ssf] hf]lvd Joj:yfkg ;+/rgfn] Joj;flos ;+oGq / x'G5 .
hf]lvd Joj:yfkg ;+oGqnfO{ :ki6 ?kdf 5'6\ofPsf] 5 .
a}+sn] k|d'v hf]lvd clws[t (CRO) sf] ;+of]hSTjdf
;~rfns ;ldlt
hf]lvd Joj:yfkg ;ldlt k|d'v sfo{sf/L clws[t
;DklQ / bfloTj
k|d'v hf]lvd clws[t Joj:yfkg ;ldlt
hf]lvd / cg'kfngf Osf]l;:6d
shf{ hf]lvd ;~rfng hf]lvd ahf/ / t/ntf hf]lvd cg'kfngf ;"rgf ;'/Iff
Joj:yfkg ljefu Joj:yfkg ljefu Joj:yfkg ljefu ljefu ljefu
c_ hf]lvd Joj:yfkg ;ldlt cf_ hf]lvd ;'zf;g (Risk Governance)

;~rfns ;ldlt a}+ssf] ;jf]{Rr lgsfo xf] / lgofds a}+sn] pBd:t/df pTkGg x'g] hf]lvd Go"gLs/0f ug{
lgsfon] Hff/L u/]sf] lgodg / lgb]{zgsf] k|efjsf/L gLlt / k|lqmofx¿ tof/ u/L sfof{Gjog ul/;s]sf] 5 .
kfngfsf nflu Py]i6 gLlt / k|m]djs{ agfpg / sd{rf/Lx?sf] :jfldTj dfgl;stf tyf Ifdtf clej[l4
sfof{Gjog ug{ lhDd]jf/ 5 . ;~rfns ;ldltn] a}+s ug]{ :ki6 lhDd]jf/L / pko'Qm ;+:s[ltsf] ljsf; ug]{
leqsf] k|efjsf/L Joj:yfkgsf] nflu hf]lvd ;Ldfsf] nufotsf ljifox?df a}+sn] sd{rf/Lx?nfO{ k|lzlIft
cfwf/df /0fgLlt, gLlt tyf k|lqmofsf] ;'lglZrttf u/]sf] 5 . a}+sn] shf{, ahf/ / t/ntf hf]lvdx¿
ub{5 . ;~rfns ;ldltn] cfjlws ?kdf hf]lvd s'zntfk"j{s Jojl:yt ug{ pko'Qm / Py]i6 hf]lvd
Joj:yfkgsf] k|ltj]bg ;dLIff ug]{, hf]lvd Joj:yfkg Joj:yfkg k|f?k tof/ u/L sfof{Gjogdf NofPsf] 5 .
;ldlt / ;DklQ bfloTj Joj:yf ;ldltsf] k|ltj] hf]lvd ;DaGwL gLltsf] :yfkgf / cg'kfngsf] nflu
bgsf] cfwf/df gLlt, dfkb08 ;DaGwL t/ntf / k"FhL ;~rfns ;ldltnfO{ pko'Qm recommendation ug]{
kof{Kttf to u5{ . ;+:yfut ;'zf;g ;DaGwL /fi6« hf]lvd Joj:yfkg ;ldlt lhDd]jf/ 5 . k"FhL Joj:yfkg
a}+ssf] lgb]{zg cg'?k a}+sn] hf]lvd Joj:yfkg ;ldlt / t/ntf, k"FhL kof{Kttf / ;+/rgf, ljb]zL d'b|f /
u7g u/]sf] 5 . o;sf] jif{df sDtLdf rf/ j6f a}7s Jofhb/ hf]lvd / s/ hf]lvdsf] Joj:yfkg ;lxt
x'G5 / cfjZostf cg';f/ a}7ssf] ;+Vof a9fpg klg jf;nft Joj:yfkgsf] gLltx?sf] :yfkgf / cg'kfngfsf]
;lsG5 . ;ldltn] a}+ssf] ;du| hf]lvd Joj:yfkgnfO{ nflu ;Dklt / bfloTj ;ldlt lhDd]jf/ 5 .
t/ntf hf]lvd, ahf/ hf]lvd, ;~rfng hf]lvd / shf{
hf]lvdsf] ¿kdf klxrfg, ljZn]if0f / Joj:yfkgdf
sfo{ ug]{ u/]sf] 5 .
154
O_ cfGtl/s lgoGq0f kf]6{kmf]lnof]sf] hf]lvd Joj:yfkg ug{ d2t ub{5 . a}+sn]
a}+ssf] /0fgLlt / p2]Zox¿ cg'?ksf] pknlAw Jofkfl/s shf{ lng]x¿ C0fLx?sf] Joj;fo cjnf]sgsf]
xfl;n ug]{ u/L a}+sdf plrt cfGtl/s lgoGq0f k|f?k dfWodaf6 cg'udg ub{5 / JolQmut u|fxsx¿sf]
;'lglZrt ug]{ lhDd]jf/L ;~rfns ;ldltsf] x'G5 . xsdf pxfFx?sf] bfloTj jxg Ifdtf lgoldt ¿kdf
a}+ls· Joj;fosf] lj:tf/ / j[l4sf] qmddf nfebfos cBfjlws ug]{ Joj:yf sfof{Gjogdf NofPsf] 5 .
Joj;fosf cj;/x¿ pkof]u ug{, Iflt lgDTofpg
;Sg] hf]lvdnfO{ x6fpg jf 36fpg plrt lgoGq0f ;+s6f]Gd'v shf{ / ;d:ofu|:t shf{ Joj:yfkgsf nflu
;+oGq ePsf] ;'lgZrt ug]{ cleef/f ;~rfns ;ldltsf] pkrf/fTds sbd rfNg a}+s;Fu pko'Qm sfg'gL sbd
x'G5 . ;~rfns ;ldltn] a}+sdf hf]lvd n]vf°g, rfNg] nufotsf k|efjsf/L k|lqmof / sfo{ljlwx? 5g\ .
hf]lvd d"Nof°g, hf]lvd Go"gLs/0f / lgoGq0f / of] afx]s, ;d:ofu|:t hf]lvdx¿ n]vf°g ug{ / ;dod}
cg'udgsf] gLlt / k|lqmofx¿ Joj:yf u/]sf] 5, h'g gf]S;fgL Joj:yf ug{ a}+s;Fu shf{ hf]lvd d"Nof°g
/fi6« a}+ssf] lgb]{zgcg'¿k a}+sdf k|efjsf/L ¿kdf gLlt, k|lqmofx¿ / lgoGq0f k|0ffnL sfof{Gjogdf 5g\ .
nfu" ePsf] 5 . sDkgLsf] cfGtl/s lgoGq0f k|0ffnLsf] shf{ hf]lvdsf] k|efjsf/L Joj:yfkgsf nflu a}+sn]
k|efjsf/Ltf ;DaGwdf ;~rfns ;ldlt, o;cGtu{tsf] ljleGg k|0ffnL, gLltx¿, k|lqmofx¿ / lbzflgb]{zx¿
;ldlt, Joj:yfkg / cfGtl/s n]vfk/LIf0f ljefuåf/f sfof{Gjog u/]sf] 5 . a}+sn] hf]lvdsf] cf+sng ug{
lgoldt ;dLIff ul/G5 . cfGtl/s n]vfk/LIf0fn] gLlt lgDg ultljlwx¿ ;~rfng u/]sf] 5 M
/ dfkb08sf] cg'kfng / lgoldt n]vfk/LIf0f, ljz]if
n]vfk/LIf0f, ;"rgf k|0ffnLsf] n]vfk/LIf0f, AML, CFT l :jLs[t ul/Psf gLlt÷sfo{ljlw÷lgb]{lzsf sfof{Gjogdf
/ KYC n]vfk/LIf0f, ISO n]vfk/LIf0fsf ;fy} hf]lvddf 5g\,
cfwfl/t cfGtl/s n]vfk/LIf0f dfkm{t a}+sdf cfGtl/s
lgoGq0f k|0ffnL / ;+/rgfx¿sf] k|efjsf/Ltfsf] l Product cg';f/ / O{sfO{ cg';f/sf] shf{ ;Ldf ;DaGwL
cg'udg ub{5 . n]vfk/LIf0f bf}/fgdf b]lvPsf s}lkmotx? jf:tljs hf]lvd hfFr, ;xgzLntf / ;Ldf, nufotsf
tTsfn ;'wf/fTds pkfox¿ cf/De ug{sf nflu k|d'v ljifox? Product Paper, lbzflgb]{z, shf{ gLlt / shf{
sfo{sf/L clws[t / Jofkf/ k|d'vx¿nfO{ l/kf]6{ ul/G5 . hf]lvd Joj:yfkg gLltdf pNn]v ul/Psf]
cfGtl/s n]vfk/LIf0f k|ltj]bg n]vf k/LIf0f ;ldlt;dIf
;dLIffsf] nflu k7fOG5 / ;ldltn] ;DalGwt ljefu, l ;DalGwt ljefun] tof/ u/]sf] ljleGg k|ltj]bgx¿
If]qLo sfof{no jf zfvfnfO{ ;DalGwt d'2fdf pko'Qm h:t} vftf cg'udg k|ltj]bg, Overdue k|ltj]bg, /fi6«
;'wf/fTds sfo{ ug{ cfjZos lgb]{zg Hff/L u5{ . a}+s k|ltj]bg / dflh{g lgu/fgL k|ltj]bg, shf{ hf]lvd
Joj:yfkg k|ltj]bg nufotsf k|ltj]bgx?sf] cfjlws
%=!=! shf{ hf]lvd ;dLIff ug]{ ul/Psf] 5 . ;du| /0fgLlt / dxTjk"0f{
shf{ hf]lvd eg]sf] shf{ k|jfxsf ;t{x¿ adf]lhd gLltx¿ lgoldt ¿kdf ;~rfng ;ldltn] ;dLIff ug]{
a}+snfO{ e'QmfgL ug]{ cfÇgf] bfloTj k"/f ug{ C0fL u/]sf] 5 .
c;Ifdtf x'g] hf]lvd xf] . a}+sn] pko'Qm lg/LIf0f /
l/kf]l6{ªsf] k|f?k :yfkgf u/L shf{ hf]lvd lg/LIf0f o;afx]s, a}+ssf] shf{ hf]lvd Joj:yfkg ug{ to u/]sf]
/ l/kf]l6{ª k|f?knfO{ shf{ hf]lvd Go"gLs/0fsf] nflu /0fgLlt / gLltx¿ sfof{Gjog ug{ / oL gLltx¿sf]
sfof{Gjog u/]sf] 5 . shf{ hf]lvdsf] k|efjsf/L cg';f/ shf{ hf]lvd / shf{ kf]6{kmf]lnof]sf] u'0f:t/
Joj:yfkgsf nflu a}+sn] ljleGg gLltx¿, k|lqmofx¿, Joj:yfkg / lgoGq0f ug{ Py]i6 ;+/rgf / k|0ffnL
lbzflgb]{zx¿ tof/ u/L sfof{Gjog u/]sf] 5 . ;'lglZrt ug{ pRr Joj:yfkg lhDd]jf/ 5 .
hf]lvdsf] ljljlws/0f / Psfu|t hf]lvd (Concerntration c_ clwstd shf{ hf]lvd (Maximum Exposure to
Risk) Joj:yfkg ug{, ljlzi6 ultljlw jf pTkfbgsf] Credit Risk)
k|sf/, Psn C0fL jf cfk;df ;DalGwt C0fLsf] ;d"x, a}+s;Fu /x]sf] ;Dklt d'Votof shf{ ;fk6L / kl/dflh{t
If]qut shf{ nufotsf If]qdf shf{ ;Ldf tf]sL shf{ nfutdf nufgLsf] ?kdf /x]sf] 5 . ;DalGwt o:tf
hf]lvdsf] lgu/fgL / shf{ hf]lvd Joj:yfkg ;+oGq to cj:yfdf ljQLo ;Dkltsf] Carrying /sd g} clwstd
u/L nfu' ul/Psf] 5 . a}+sn] shf{ hf]lvd cf+sng ug{ shf{ hf]lvd Exposure xf] .
x/]s C0fLsf] cfGtl/s rating ub{5 h;n] a}+snfO{ ;du|

cf_ efvf ggf3]sf], xfgL gePsf] / efvf gf3]sf] cyjf
xfgL ePsf a}+ssf] cfGtl/s shf{ /]l6ª k|0ffnLdf
cfwfl/t /lx tof/ ul/Psf] tnsf] tflnsfn] shf{
gf]S;fgLsf ;a} ljQLo ;Dkltsf] juL{s/0f / u'0f:t/
b]vfpFb5 M
/sd ? bz nfvdf
efvf ggf3]sf] () lbg ;Dd (! lbg b]lv !*) lbg eGbf
ljj/0f / xfgL efvf gf3]sf !*) lbg ;Dd a9L efvf hDdf
gePsf efvf gf3]sf gf3]sf
ljQLo ;DklQ
;+zf]lwt nfutdf efl/t ;DklQ - - - - -
gub / gub ;dfg 27,813 - - - 27,813
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 12,654 - - - 12,654
a}+s tyf ljQLo ;+:yfdf df}Hbft - - - - -
u|fxsnfO{ shf{;fk6L 241,052 9,972 74 1,350 252,448
a}+s tyf ljQLo ;+:yfnfO{ shf{ ;fk6L 14,099 - - - 14,099
nufgL ;DklQ 36,260 - - - 36,260
gfkmf / gf]S;fg dfkm{t Fair value (FVTPL) - - - - -
Jo"TkGg ljQLo pks/0f - - - - -
cGo lj:t[t cfodfkm{t Fair value (FVTOCI) - - - - -
nufgL ;'/If0fkq 2,788 - - - 2,788
hDdf 334,668 9,972 74 1,350 346,064
%=!=@ ahf/ hf]lvd

ljQLo ;+:yfsf] jf;nftdf /x]sf] / aflx/ /x]sf] d"Nodf u_ O{lSj6L d"No hf]lvd
ahf/ d"Nodf x'g] 36a9n] x'g] hf]lvdnfO{ ahf/ hf]lvd O{lSj6L d"No hf]lvd To:tf] hf]lvd xf] h;sf sf/0f
egL kl/eflift ul/Psf] 5 . ahf/ hf]lvd To:tf] hf]lvd ljQLo pks/0fsf] fair value jf eljiodf x'g] gub k|jfx
xf] h;sf sf/0f ljQLo cf}hf/sf] eljiodf gub k|jfx O{lSj6Lsf] d"Nodf x'g] kl/jt{gsf sf/0f tndfly x'G5
jf lgikIf d"No 36a9 x'G5 . ahf/ hf]lvdn] tLg -Jofhb/ hf]lvd / d'bf| hf]lvd afx]ssf sf/0fn]_ . o:tf]
k|sf/sf hf]lvdnfO{ hgfpFb5 M ljb]zL d'bf| ;6xL -d'bf| kl/jt{g ;DalGwt ljQLo pks/0f jf o;sf] hf/L ug]{
hf]lvd_, ahf/ Jofhb/ -Jofhb/ hf]lvd_ / ahf/ d"No lgsfosf x'g ;S5 jf pQm ljQLo pks/0fn] Jofkf/ ug]{
-d"No hf]lvd_ . ahf/nfO{ c;/ ug]{ tTjsf sf/0f x'g ;S5 . sDkgLsf]
O{lSj6L d"No hf]lvd FVTOCI df /flvPsf] sf/0f klg
s_ d'bf| hf]lvd x'g;S5 h;sf] d"No ahf/ d"Nodf ePsf] kl/jt{g
ljb]zL d'bf| ;6xL hf]lvdsf sf/0f a}s
+ sf] cfk\mgf] ;DklQ cg';f/ tndfly x'G5 .
/ bfloTjdf pynk'yn x'g] ;Defjgf x'G5 / p;sf]
;DklQ / bfloTjsf] d'bf| tyf pNn]v x'g] d'bf| sf] d"Nodf cfkm"n] lng rfx]sf] jf lng ;Sg] hf]lvd k|fk] mfOn /
cfpg] leGgtfsf sf/0f ljQLo Iflt x'g] ;Defjgf x'G5 . ahf/ hf]lvdsf] tx cg';f/ a}s + n] o;sf] ahf/ hf]lvd
ljQLo ljj/0f tof/ kfg]{ ldlt;Dd a}s + n] ljb]zL d'bf| nfO{ Joj:yfkg ug]{ /0fgLlt agfPsf] 5 . ahf/ hf]lvd
lng / lbg ;lsg] dfg]sf] 5 . /0fgLlt cfjlws ?kdf cBfjlws ug'k{ 5{ -slDtdf
jif{sf] Ps k6s jf ahf/ lqmofsnfkdf ePsf] kl/jt{g
v_ Jofhb/ hf]lvd cg';f/_ / Joj;fo, /0fgLlt of]hgf tyf afx|o ;~rfng
Jofhb/ hf]lvd Tof] hf]lvd xf] h;sf sf/0f ljQLo jftfj/0fdf x'g] cy{k0" f{ ljsf; cg';f/ o;sf] lgoldt
pks/0fsf] fair value jf eljiodf x'g] gub k|jfx ahf/ ;dLIff ug'k{ 5{ .
Jofhb/sf sf/0f tndfly x'G5 .
156
a}s
+ sf] Joj:yfkg hfgsf/L k|0ffnLn] jf:tljs cfsf/, t/ntf hf]lvd egL kl/eflift ul/Psf] 5 . ;fdfGo /
k|ltkmn, hf]lvd, ;Defljt gfkmf jf gf]S;fg O{Toflbsf] c;fdfGo b'j} kl/l:yltdf gub k|jfxsf] ;do gldNbf
laifodf lgoldt ?kdf ljj/0f lgisfzg u5{ / o:tf a}s
+ n] e'QmfgL bfloTjx? k"/f ug{ c;dy{ x'g ;Sg]
ljj/0f ;dLIffsf] nflu ;~rfns ;ldlt tyf pRr ;Defjgfsf] sf/0f t/ntf hf]lvd pTkGg x'g ;S5 .
Joj:yfkgnfO{ k7fOG5 . 36gfqmd cg';f/ pko'Qm of] hf]lvdnfO{ sd ug{ Joj:yfkgn] d"n lgIf]k cfwf/
of]hgfx? tof/ kf/]/ /flvPsf] 5 . afx]s ljleGg ;|ft] x?sf] Joj:yf u/]sf] 5 / t/ntfnfO{
ljrf/ u/L ;DklQ Joj:yfkg ug]{ / eljiodf gub k|jfx
%=!=#t/ntf hf]lvd / t/ntfnfO{ b}lgs ?kdf cg'udg ug]{ gLlt ckgfPsf]
Jofhb/ jf ;'/If0fkq -O{SjL6L_ sf] d"No, ljb]zL ljlgdo 5 . a}s + n] t/ntf hf]lvd Joj:yfkg ug{ cfGtl/s
b/ / j:t'sf] d"Nosf] ptf/ r9fj ;fy} cl:y/tfsf] lgoGq0f k|lqmofx? / cfsl:ds of]hgfx? ljsf; u/]sf]
ahf/:t/df k|lts'n kl/jt{gsf] sf/0f a}s + n] ahf/ 5 . cfsl:ds of]hgfx?n] ck]lIft gub k|jfxsf] d"Nof°g
hf]lvdnfO{ n]vf°g u/]sf] 5 . t/ntf hf]lvdn] a}s + sf] / pRr u|8] s] f] lwtf]sf] pknAwtfnfO{ ;d]6s
] f] 5 / o;nfO{
bfloTj k"/f ug{ c;kmn x'g] ;Defjgf x'g ;S5 . t/ntf cfjZos nufgL ;'lglZrttfsf] nflu k|of]u ug{ ;lsG5 .
hf]lvd Joj:yfkgn] a}s + sf] ljQLo cj:yfnfO{ k|lts'n
k|efj gkf/L bfloTj k"/f ug]{ a}s
+ sf] Ifdtf ;'lglZrt ug{ lgDg tflnsfdf nufgLsf] kf]6k{ mf]lnof]sf] kl/kSjtf
d2t u5{ / a}s + sf] k|lts'ntfsf] cj:yf ljsf; ug]{ k|fk] mfOnnfO{ 5'6 lagfsf] (undiscounted) /sd k|jfxsf]
;Defjgf sd u5{ . cfwf/df lrq0f ul/Psf] 5, h'g cfjZos t/ntfsf] :t/
k"/f ug{ Jojl:yt ul/Psf] xf] h'g of] t/ntf cefj x'g]
t/ntf hf]lvdnfO{ gub jf cGo ljQLo ;DklQ k|bfg a]nfdf s'g} Joj;fosf] ljQLo bfloTjx?sf] ;do ;LdfnfO{
u/]/ Jojl:yt ul/Psf] ljQLo bfloTj;Fu ;DalGwt Wofgdf /fv]/ agfPsf] xf] .
bfloTjx? k"/f ug{ a}s
+ n] sl7gfO{ ef]Ug ;Sg] hf]lvdnfO{
/sd ? bz nfvdf
# dlxgf eGbf # dlxgfb]lv ^ dlxgfb]lv ! jif{ eGbf
ljj/0f sd ^ dlxg ! jif{ a9L hDdf
;DklQ
gub / gub ;dfg 27,813 - - - 27,813
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 12,654 - - - 12,654
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft - - - - -
Jo'TkGg ljQLo pks/0f - - - - -
cGo Aofkfl/s ;DklQ 163 - - - 163
a}+s tyf ljQLo ;+:yfnfO{ shf{ ;fk6L 4,044 859 670 8,527 14,099
u|fxsnfO{ shf{ ;fk6L 72,411 15,381 11,989 152,668 252,448
nufgL ;'/If0fkq 12,121 5,273 4,153 17,501 39,048
hDdf 129,206 21,513 16,812 178,696 346,227
bfloTj
a}+s tyf ljQLo ;+:yfnfO{ ltg{ a“fsL /sd 6,754 - - - 6,754
g]kfn /fi6« a}+snfO{ ltg{ a“fsL /sd 19,728 - - - 19,728
Jo'TkGg ljQLo pks/0f - - - - -
u|fxssf] lgIf]k 67,104 49,455 47,048 126,297 289,904
;fk6L - - - - -
hf/L ul/Psf] C0fkq - - - 10,726 10,726
hDdf 93,586 49,455 47,048 137,023 327,112

;~rfng hf]lvd %=@ k"h
F L Joj:yfkg
ckof{Kt jf c;kmn cfGtl/s k|lqmof, JolQm / k|0ffnL jf
a}s
+ sf] nflu sfg'gL hf]lvd;lxt afÅo 36gfx?sf] %=@=! u'0ffTds k|s6Ls/0f
k|efjaf6 x'g] ;Defljt hf]lvdaf6 x'g] gf]S;fgsf] ?kdf a}s
+ n] "Integrated ICAAP and Stress Testing
;~rfng hf]lvdnfO{ kl/eflift ul/Psf] 5 . Guideline" tof/ kf/]/ sfof{Gjog u/]sf] 5 h;nfO{
;~rfns ;ldltn] kfl/t u/]sf] xf] . o;n] a}s + nfO{
;~rfng hf]lvd a}s + sf] ;a} sfo{df Jofks 5 / dfgj cfGtl/s k"hF Lsf] dfqf, k|sf/ / ljt/0f d"Nof°g / ;'wf/
;+;fwg, k|0ffnL / k|lqmofut l8hfOg nufot a}s + n] sfd ug{ ;xof]u u5{ h'g a}s + df phf/ x'g ;Sg] hf]lvdsf]
ug{ ljsf; u/]sf ;a} ;|ft] af6 k|efljt x'G5g\ . ;~rfng k|sl[ t / txnfO{ 9fSgsf] nflu kof{Kt x'G5 .
hf]lvd hfn;fhL, Joj;fodf x'g] cj/f]w, k|0ffnL
c;kmntf, ef}lts k"jf{wf/df Iflt, sfof{Gjogdf c;kmntf cfGtl/s k"hF L of]Uotf lgwf{/0f k|lqmof (ICAAP) df
/ ;]jf 8]lne/L, pTkfbsx¿df :jfefljs hf]lvd, ;'zf;g Joj:yf, j:t'ut hf]lvd Joj:yfkgsf] s'zn
u|fxsx¿, k|lqmofx¿df cof]Uotf jf q'l6k"0f{ k|lqmof k|lqmof / cfly{s k"hF L cf+sng / ;'wf/sf] nflu k|efjsf/L
l8hfOgx¿ / Jofkf/ h:tf cfGtl/s / afx\o b'j} sf/0fn] k|0ffnL x'g' cfjZos 5 . cfly{s k"hF Ln] -cfly{s
x'g ;S5 . s'g} klg Joj;flos sfd jf Business ?kdf cfjZos k"hF L_ n] a}s + sf] Joj;fo ;~rfng /
Support sfddf hf]lvd pTkGg x'g ;S5 . ;DalGwt hf]lvdx?df nufgLsf] nflu cfjoZs k"hF Lut
cfjZostfnfO{ hgfpF5 .
hf]lvd Joj:yfkg / g}lts Joj;flos cEof;sf] alnof]
;+:s[ltn] x'g;Sg] xflgsf/s ;Defljt ;~rfng hf]lvd o; k|so[ fn] a}s
+ sf] hf]lvd k|fk] mfOn / o;sf] hf]lvd
36gfaf6 hf]lug a}s + k|lta4 5 / 36\g ;Sg] hf]lvdsf Joj:yfkg, lgoGq0f jftfj/0f / /0fgLlts of]hgfsf]
36gf;Fu h'Wg;Sg] l:yltdf 5 . ;~rfns ;ldlt / pRr k|efjsf/Ltfsf] ;DaGwdf k"hF L kof{Kttf cfjZostfx¿sf]
Joj:yfkgsf] sfd / gLlt, k|lqmof tyf k|0ffnLn] hf]lvd d"Nof°g ug{ plrt ljlw / k|lqmofx¿ tf]s/] cfGtl/s
Joj:yfkg ;+:s[ltsf] nflu alnof] cfwf/ k|bfg u/]sf] 5 . k"hF L kof{Kttfsf] u0fgfsf] nflu gLlt / k|lqmofTds
a}s
+ n] k|dv ' lgoGq0fsf dfkb08, k|dv ' lgoGq0f dfu{bz{g k|bfg ub{5 .
:jd"Nof°g / d'Vo hf]lvd ;"rsf+snfO{ pks/0sf] ?kdf
k|of]u u/]/ ;~rfng hf]lvd 36gfx?nfO{ ;dofg'sn' /0fgLlts p2]Zox¿sf] ;DaGwdf a}s + sf] jt{dfg /
a'em\b} tyf n'ss
] f hf]lvdnfO{ n]vf°g, d"Nof°g / lgoGq0f eljiosf] k"hF L cfjZostfx¿ ;'lglZrt ug{ ljz]ifu/L
u5{ . ;~rfns ;ldlt pQ/bfoL x'g5] . Joj:yfkgn] a}s + n]
ljleGg Jofj;flos ultljlwx¿sf] qmddf ;fdgf
a}s
+ n] pRr:t/Lo k|zf;lgs dfkb08sf] ;'lglZrttf, ul//x]sf] hf]lvdx¿sf] k|sl[ t / :t/sf] / of] hf]lvd
cfrf/;+lxtfsf] kfngf ;fy} lgofds lgsfo tyf a}s
+ sf] s;/L k"hF L :t/;Fu ;DalGwt 5 eg]/ ;dLIff ug]5{ / ;f]xL
cfGtl/s gLlt, k|lqmofx¿ / dfkb08 cg'kfngsf] klg cg';f/ hf]lvd Joj:yfkgsf] nflu hf]lvd Joj:yfkg
;'lglZrttf ug'k{ 5{ . k|f?k sfof{Gjog ug]5{ .
k|efjsf/L gLltx¿, k|lqmofTds dfkb08 / :t/Lo

;~rfng k|lqmof hf]lvd Joj:yfkgsf] nflu alnof
pks/0f x'g\ . t;y{, ljefun] gLlt / k|lqmofx¿sf]
kof{Kttf / k|efjsfl/tf tyf ltgsf] k|efjsf/L sfof{Gjog
glhsaf6 cg'udg ul//x]sf] x'G5 / oL lgofds lgsfosf]
dfkb08 cg';f/sf] eP÷gePsf] ultlzn hf]lvd
jftfj/0f cg'sn' eP÷gePsf] eGg] lglZrt u5{ .
158
%=@=@ u'0ffTds k|s6Ls/0f
c_ k"h
F Lut ;+/rgf / k"h
F Lut kof{Kttf
s_ k|fylds k"h
F L tflnsf v_ k'/s k"FhL tflnsf
/sd ? bz nfvdf /sd ? bz nfvdf

qm=;= ljj/0f /sd qm=;= ljj/0f /sd
! r'Qmf k"FhL 11,564 ! ;'/If0f g/fv]sf] ;xfos cfjlws bfloTj 7,832
@ z]o/ lk|ldod÷k"FhLut df}Hbft - @ ;fdfGo shf{ gf]S;fgL Joj:yf 3,838
# k|:tfljt af]g; z]o/ - # ;6xL ;dLs/0f sf]if 48
$ j}wflgs ;fwf/0f df}Hbft 4,577 $ nufgL ;dfof]hg sf]if 1
% ;+lrt cfDbfgL 3,427 k'/s k"FhL 11,718
^ rfn" jif{sf] cg'dflgt ;+lrt gfkmf -
& k"FhL lkmtf{ hu]8f sf]if 3,355
* cGo :jtGq df}Hbft -
( :yug s/ ;DklQ -
!) cd"t{ ;DklQ 92
!! ljQLo Jofh;lxt ;+:yfut :jk"FhLdf nufgL 270
!@ ;Ldf eGbf clws ;+:yfut :jk"FhLdf nufgL 3
!# ;Ldf eGbf clws hUuf / ejg vl/b -
k|fylds k"FhL 22,557
u_ ;'/If0f g/flvPsf] ;xfos cfjlws C0fsf] (Subordinated Term Debt) aSof}tf /sd, kl/kSj x'g] ldlt tyf
jif{df pTkGg /sd / k"FhL sf]ifsf] ?kdf u0fgf of]Uo /sdsf] lj:t[t hfgsf/L .
/sd ? bz nfvdf
ljj/0f aSof}tf hf/L ldlt kl/kSj ldlt Jofhb/t k"FhLut sf]ifsf]
/sd nflu of]Uo /
sd
( k|ltzt PgcfO{;L Plzof C0fkq @)*!÷*@ 3,000 !$–hgj/L–!* !#–hgj/L–@% 9.00Ì 1,200
!! k|ltzt PgcfO{;L Plzof C0fkq @)*@÷*# 1,830 @)–;]K6]Da/–!* !(–;]K6]Da/–@% 11.00Ì 1,098
!) k|ltzt PgcfO{;L Plzof C0fkq @)*%÷*^ 2,405 !–dfr{–!( @^–km]a'c/L–@( 10.00Ì 2,405
!)=@% k|ltzt PgcfO{;L Plzof C0fkq @)*#÷*$ 1,944 @&–cu:t–!( @%–cu:t–@^ 10.25Ì 1,555
*=% k|ltzt PgcfO{;L Plzof C0fkq @)** 1,574 !@–h'nfO{–@! !)–h'nfO{–#! 8.50Ì 1,574
s"n 10,753 7,832
3_ k"h
F Lutaf6 s6f}tL l >Lhglzn n3'ljQ ljQLo ;+:yfdf nufgL /x]sf]
? #) nfv -r'Qmf k"h“ Lsf] !) k|ltzt eGbf
l VoftL ;DklQdf /x]sf] ? (=@ s/f]8sf] ;Ç6j]o/ a9L /sd_ / Pg cfO{ ;L Plzof cjsfz sf]ifdf
k|fylds k"hF Laf6 36fOPsf] 5 . nufgL /x]sf] ? ! s/f]8 k|fylds k"hF Laf6 36fOPsf]
5.
l a}s
+ n] Pg cfO{ ;L Plzof Soflk6n lnld6]8 / Pg
cfO{ ;L Plzof ;]So"l/l6\h lnld6]8 -k"0f{ :jfldTj
ePsf] ;xfos sDkgL_, df u/]sf] qmdzM ? @))
ldlnog ?k}ofF / ? ^) ldlnog ?k}ofF a/fa/sf]
nufgL /sd k|fylds k"hF Laf6 36fOPsf] 5 .

ª_ s"n k"h
F Lut sf]if h_ ljz]ifu/L xfOla|8 k"h
F Lut cf}hf/;lxt clwg:y
cjlw C0fsf] cjlw, ;t{x? / d'Vo ljz]iftfsf] ;f/f+z
/sd ? bz nfvdf
qm=;= ljj/0f /sd
z]o/ k"hF L M a}s
+ ;Fu Ps ;o ?k}ofF d"No ePsf Pp6} dfq
! k|fylds k"FhL 22,557
ju{sf] O{lSj6L z]o/ 5 . O{lSj6L z]o/ ePsf x/]s
@ k"/s k"FhL 11,718
JolQmn] Ps z]o/ a/fa/ Ps ef]6sf] clwsf/ /fV5g\ .
k'/s k"FhL 34,275
a}s
+ sf] lnSjL8];g ePsf] v08df O{lSj6L x'gn] ] clwdfGo
/sd ljt/0f u/]kl5 a}s + sf] afFsL ;DklQ k|fKt ug]{ xs
r_ k"h
F L kof{Kttf cg'kft !^ h'nfO{ @)@@ df ul/Psf] x'g5] . z]o/wgL;Fu ePsf] O{lSj6L z]o/sf] cg'kftdf
u0fgf cg';f/ a}s + sf] k"h
F L kof{Kttf cg'kft !#=#* afFsL ;DklQ ljt/0f x'g5] .
k|ltzt 5 .
5_ rfn" / eljiosf ultljlwdf ;xfotf ug{ k"h F Lut C0fkq M a}s + n] ( k|ltzt Pg cfO{ ;L Plzof C0fkq
kof{Kttf cg'kft d"Nof°gsf] nflu a}s
+ sf] cfGtl/s @)*!÷*@, !! k|ltzt Pg cfO{ ;L Plzof C0fkq
z}nLsf] ;+lIfKt ljj/0f @)*@÷*#, !) k|ltzt Pg cfO{ ;L Plzof C0fkq
@)*%÷*^, !)=@% k|ltzt Pg cfO{ ;L Plzof C0fkq
a}s
+ sf] ah]6 gLlt / /0fgLlts sfuhftdf pNn]v ul/P @)*#÷*$, / *=% k|ltzt Pg cfO{ ;L Plzof C0fkq
cg';f/ a}s+ n] bL3{sfnLg of]hgf xfl;nsf nflu % jif]{ @)** u/L qmdzM #)) s/f]8 ?k}ofF, !*# s/f]8 ?k}ofF,
/0fgLlts of]hgf agfPsf] 5 / jflif{s ah]6, ;~rfng @$)=% s/f]8 ?k}ofF, !($=$ s/f]8 / !%&=$ s/f]8
/ /0fgLlts of]hgf agfPsf] 5 . ?k}ofFsf] C0fkq hf/L u/]sf] 5 . oL C0fkq;Fu s'g}
dtbfg clwsf/ x'bF g} . a}s
+ sf] lgIf]kstf{;uF C0fkq
Jofkf/ of]hgfcg';f/ a}s
+ sf] k"hF L kof{Kttf a}s
+ sf] k"hF Lsf] clwg:y x'g5] .
dfu cg'?k ;'lglZrt ug{ Joj:yfkg / ;~rfns ;ldlt
ljj]sk"0f{ / ;lqmotfsf ;fy "Integrated ICAAP and
Stress Testing" cg';f/ k"h
F L / hf]lvd d"Nof°g, bafa cf_ hf]lvdsf If]q
k/LIf0f / kl/b[Zo k/LIf0f, cg'udg / l/kf]l6{ªsf] s_ shf{ hf]lvd, ahf/ hf]lvd / ;~rfng hf]lvdsf]
k|lqmofdf ;+nUg 5g\ . tflnsf
/sd ? bz nfvdf
"Integrated ICAAP and Stress Testing" pRr qm=;= ljj/0f /sd
Joj:yfkgnfO{ hf]lvd k|fk] mfOn, k|jl[ Q, / k"hF L cfjZostf ! shf{ hf]lvd jfktsf] hf]lvd efl/t ;DklQ 233,410
;DaGwL cfjZos hfgsf/L k|bfg ug{ cf}krfl/s @ ;~rfng hf]lvd jfktsf efl/t ;DklQ 14,550
cg'udg / l/kf]l6{ª ;+oGq :yfkgf ul/Psf] 5 . To:tf, # ahf/ hf]lvd jfktsf] efl/t ;DklQ 156
k|ltj]bgx¿ dfl;s / q}dfl;s ?kdf tof/ kf/L Pillar II cGtu{tsf] ;dfof]hg

;DalGwt Joj;fo OsfO{÷ljefu, PsLs[t hf]lvd ljefu g]kfn /fi6« a}+ssf] lgb]{zg cg'zf/ ;~rfng 3,147
(IRMD), / ;DklQ bfloTj ;ldlt (ALCO) a}7sdf cfDbfgLsf] # k|ltzt

/flvG5 . yk q}dfl;s l/kf]6{ ;dLIff / 5nkmnsf nflu hf]lvd efl/t If]qsf nflu b'O{ k|ltzt yk 4,962
hf]lvd Joj:yfkg ;ldlt / af]8d{ f k|:t't ul/G5 . s'n hf]lvd jfktsf] efl/t ;DklQ (Total RWE) 256,225
160
v_ shf{ hf]lvdsf] !! ju{ cGtu{t hf]lvd
/sd ? bz nfvdf
qm=;= ljj/0f v'b lstfaL d"No RWE
! s]lGb|o a}+s / ;/sf/;;Fu bfjL 74,103 -
@ cGo ljQLo ;+:yf;Fusf] bfjL - -
# a}+sx?;Fusf] bfjL 15,776 3,157
$ skf]{/]6 / Securities Firm ;Fu bfjL 68,554 68,474
% pkef]Qmf tyf ;fgf shf{ (Regulatory Retail Portfolio) -efvf ggf3]sf]_ 100,800 75,321
^ cfjf;Lo ;DklQaf6 ;'/lIft kfl/Psf] bfjL 52,184 31,250
& Jofkfl/s 3/hUufaf6 ;'/lIft kfl/Psf] bfjL 16,172 16,172
* ljutsf] afFsL bfjL 1,320 259
( pRr hf]lvd bfjL 15,490 22,639
!) cGo ;DklQ 25,140 13,107
!! jf;nft jflx/sf] sf/f]jf/ 8,990 3,032
hDdf 378,528 233,410
O_ s'n hf]lvd efl/t ;DklQ u0fgfsf] tflnsf ljj/0f

/sd ? bz nfvdf
;DklQ v'b ljz]if Joj:yf pko'Qm v'b d"No hf]lvd hf]lvd
lstfjL / d"Nof°g ;L cf/ -3≠ ef/ efl/t
d"No ;dfof]hg Pd s–v–u_ k|ltztdf ;DklQ
-s_ -v_ -u_ -ª_ -r≠3 x ª_
gub df}Hbft 7,736 - - 7,736 0Ì -
/fi6« a}+s;Fu /x]sf] df}Hbft 12,310 - - 12,310 0Ì -
;'g 44 - - 44 0Ì -
;/sf/L ;'/If0fkqdf nufgL 52,653 - - 52,653 0Ì -
;/sf/;Fusf] ;a} bfjL 9,140 - - 9,140 0Ì -
/fi6« a}+s;Fu lgisflzt ;'/If0fkqdf nufgL - - - - 0Ì -
/fi6« a}+s;Fusf] ;a} bfjL - - - - 0Ì -
ljb]zL ;/sf/ / s]lGb|o a}+s;Fu bfjL (ECA 0-1) - - - - 0Ì -
ljb]zL ;/sf/ / s]lGb|o a}+s;Fu bfjL (ECA 2) - - - - 20Ì -
ljb]zL ;/sf/ / s]lGb|o a}+s;Fu bfjL (ECA 4-6) - - - - 100Ì -
BIS, IMF, ECB, EC / cGo ax'kIfLo ljsf; - - - - 0Ì -
cGo ax'kIfLo ljsf; a}+s;Fusf] bfjL - - - - 100Ì -
:jb]zL ;fj{hlgs ;+:yf;Fu bfjL - - - - 100Ì -
;fj{hlgs ;+:yf;Fu bfjL (ECA 0-1) - - - - 20Ì -
;fj{hlgs ;+:yf;Fu bfjL (ECA 2) - - - - 50Ì -
;fj{hlgs ;+:yf;Fu bfjL bfjL (ECA 3-6) - - - - 100Ì -
;fj{hlgs ;+:yf;Fu bfjL (ECA 7) - - - - 150Ì -
k"FhL kof{Ktftfsf] cfjZostf k"/f u/]sf :jb]zL a}+s;Fusf] bfjL 14,582 - - 14,582 20Ì 2,916
k"FhL kof{Ktftfsf] cfjZostf k"/f gu/]sf :jb]zL a}+s;Fusf] bfjL - - - - 100Ì -
ljb]zL a}+s;Fu bfjL (ECA 0-1) 1,092 - - 1,092 20Ì 218
ljb]zL a}+s;Fu bfjL (ECA 2) 5 - - 5 50Ì 2
ljb]zL a}+s;Fu bfjL (ECA 3-6) - - - - 100Ì -

===cl3Nnf] k[i7df lg/Gt/ /sd ? bz nfvdf
;DklQ v'b ljz]if Joj:yf pko'Qm v'b d"No hf]lvd hf]lvd
lstfjL / d"Nof°g ;L cf/ ef/ efl/t
d"No ;dfof]hg Pd -3_ k|ltztdf ;DklQ
-s_ -v_ -u_ -s–v–u_ -ª_ -r≠3 x ª_
ljb]zL a}+s;Fu bfjL (ECA 7) - - - - 150Ì -
;fs{ If]qdf ;~rflnt ;DalGwt lgofdssf] k"FhL cfjZostf eGbf ! 97 - - 97 20Ì 19

k|ltzt a9Ldf ;~rflnt a}+s;Fu bfjL
:jb]zL skf]{/]6;Fu bfjL (Credit rating score equivalent to AAA) - - - - 50Ì -
:jb]zL skf]{/]6;Fu bfjL (Credit rating score equivalent to AA+ to AA-) - - - - 70Ì -
:jb]zL skf]{/]6;Fu bfjL (Credit rating score equivalent to A+ to A-) - - - - 80Ì -
:jb]zL skf]/{ 6] ;Fu bfjL (Credit rating score equivalent to to BBB+ & below) - - - - 100Ì -
:jb]zL skf]{/]6;Fu bfjL (unrated) 68,554 - 80 68,474 100Ì 68,474
:jb]zL skf]{/]6;Fu bfjL (ECA 0-1) - - - - 20Ì -
:jb]zL skf]{/]6;Fu bfjL (ECA 2) - - - - 50Ì -
:jb]zL skf]{/]6;Fu bfjL (ECA 3-6) - - - - 100Ì -
:jb]zL skf]{/]6;Fu bfjL (ECA 7) - - - - 150Ì -
lgoldt v'b|f kf]6{kmf]lnof] -afFsL gePsf]_ 100,800 - 372 100,428 75Ì 75,321
Granularity afx]s lgofdssf] ;a} dfkb08 k"/f u/]sf bfjL - - - - 100Ì -
cfjfl;o 3/hUufaf6 ;'/lIft bfjL 52,079 - - 52,079 60Ì 31,248
cfjfl;o 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfjL -efvf gf3]sf]_ - - - - 150Ì -
cfjfl;o 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfjL 105 102 - 2 100Ì 2
Jofkfl/s 3/hUufaf6 ;'/If0f ;'/lIft bfjL 16,172 - - 16,172 100Ì 16,172
e'QmfgL cjlw ;dfKt eO;s]sf] bfjL -cfjfl;o 3/hUuf ;'/lIft afx]s_ 1,319 1,144 3 172 150Ì 259
pRr hf]lvd bfaL -e]~r/ Soflk6n, lghL ;DklQ nufgL, 15,490 - 397 15,093 150Ì 22,639
JolQmut C0f / qm]l86 sf8{af6 pknAw x'g] /sd_
;'/If0f kqsf] lwtf]df lbOPsf] shf{ -af]G8_ - - - - 100Ì -
Jofkfl/s kmd{sf nflu 6«:6 l/l;K6 shf{ 87 - - 87 120Ì 104
:6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ / cGo k"FhLut :6s 4,390 - - 4,390 100Ì 4,390
PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf] z]o/ / cGo k"hF Lut pks/0f 28 - - 28 150Ì 42
cfjf;Lo ;DklQaf6 ;'/lIft sd{rf/L shf{ 4,207 - - 4,207 50Ì 2,103
;/sf/L ;'/If0fdf k|fKt x'g] Jofh÷bfaL 676 - - 676 0Ì -
dfu{:y gub tyf sn]S;gdf /x]sf] gubhGo ;DklQ - - - - 20Ì -
cGo ;DklQ 7,972 1,505 - 6,467 100Ì 6,467
hDdf (i) 369,538 2,751 853 365,934 230,378
162
/sd ? bz nfvdf
jf;nft jflx/sf] sf/f]jf/ v'b ljz]if Joj:yf pko'Qm v'b d"No hf]lvd hf]lvd
lstfjL / d"Nof°g ;L cf/ ef/ efl/t
d"No ;dfof]hg Pd -3_ k|ltztdf ;DklQ
-s_ -v_ -u_ -s–v–u_ -ª_ -r≠3 x ª_
/2 ug{ ;lsg] k|lta4tf - - - - 0Ì -
lan sn]S;g 12 - - 12 0Ì -
km/jf8{ ljlgdo ;Demf}tf bfloTjx? - - - - 10Ì -
jf:tljs kl/kSj ldlt ^ dlxgf;Dd ePsf] k|tLtkq -:jb]zL 121 - 27 94 20Ì 19

k|ltkIf_
ljb]zL sf/f]af/ kIf (ECA 0-1) - - - - 20Ì -
ljb]zL sf/f]af/ kIf (ECA 2) - - - - 50Ì -
jf:tljs kl/kSj ldlt ^ dlxgfeGbf a9L ePsf] k|tLtkq -:jb]zL 302 - 1 301 50Ì 151
k|ltkIf_
la8 af]G8, sfo{;Dkfbg hdfgt / sfpG6/ Uof/]G6L - :jb]zL 3,564 - 115 3,449 40Ì 1,380
k|ltkIf_
k|Tofe"lt (underwriting) ;DalGwt k|lta4tf - - - - 50Ì -
a}+sx?af6 ;'/If0fsf] ?kdf k|bfg ul/Psf] hdfgtx? (Lending of - - - - 100Ì -

Bank's Securities or Posting of Securities as collateral)
k'gM vl/b ;Demf}tf cGtu{tsf] shf{ -l/kf] / l/e;{ l/kf] ;lxt_ - - - - 100Ì -
clu|d e'QmfgL hdfgt 43 - - 43 100Ì 43
ljQLo hdfgt - - - - 100Ì -
:jLsf/ tyf b/kL7 (Acceptance and Endorsements) 27 - 3 24 100Ì 24
e'QmfgL gul/Psf] efu ty cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/ - - - - 100Ì -
If0f (unpaid portion of Partly paid shares and securities)
ckl/jTo{ shf{ k|lta4tf -cNksflng_ 4,384 - - 4,384 20Ì 877
ckl/jTo{ shf{ k|lta4tf -bL3{sflng_ - - - - 50Ì -
tf]lsPsf] k"FhL sf]ifdf ! k|ltzt eGbf al9n] k"FhL sf]if sfod ug]{ - - - - 20Ì -
SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
cGo ;Defljt bfloTjx? 535 - - 535 100Ì 535
e'QmfgL x'g afFsL hdfgt bfjL 3 - 0 2 200Ì 5
hDdf (ii) 8,990 - 146 8,843 3032
s'n shf{ hf]lvd (i + ii) 378,528 2,751 999 374,777 233,410

O{_ lgis[o shf{sf] ljj/0f
/sd xhf/df
o; jif{ ut jif{
ljj/0f
s"n NPA v'b NPA v'b NPA v’b NPA
k'g/;+/rgf÷k'g/tflnsLs/0f ul/Psf shf{ 68,241 59,711 80,394 70,345
sd;n shf{ 6,173 4,630 353,015 344,190
z+sf:kb shf{ 227,419 113,709 589,222 294,611
v/fa shf{ 1,122,720 - 294,010 -
hDdf NPA 1,424,553 178,050 1,316,641 709,146
%=@=# g]kfn /fi6« a}+ssf] k"FhL cfjZostfsf] cg'kfng

@)!%÷!^ sf] df}lb|s gLlt cg';f/ jfl0fHo a}+sx?n] dWo h'nfO{ @)!& ;Dddf r'Qmf k"FhL ? * ca{ ?k}ofF k'¥ofpg'kg]{
k|fjwfg lyof] . l/kf]l6{ª ldltdf a}+ssf] r'Qmf k"FhL ? !!=%^ ca{ g]kfnL ?k}ofF 5 .
%=# ljQLo ;DklQ / ljQLo bfloTjsf] juL{s/0f

/sd ? bz nfvdf
o; jif{ ut jif{
ljj/0f gf]6
lstfaL d"No Fair Value lstfaL d"No Fair Value
;DklQ
Amortised Cost df dfkg ul/Psf] ;DklQ
gub / gub ;dfg $=! 27,813 27,813 23,903 23,903
g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=@ 12,654 12,654 9,073 9,073
a}+s tyf ljQLo ;+:yfdf df}Hbft $=# - - - -
u|fxsnfO{ shf{ ;fk6 $=& 252,448 252,448 248,770 248,770
292,916 292,916 281,746 281,746
Fair Value through PL (FVTPL)

Jo'TkGg ljQLo pks/0f $=$ - - 5,359 5,359
Fair Value through OCI (FVTOCI)

nufgL ;'/If0f kq $=* 39,048 39,048 33,294 33,294
;xfos sDkgLdf nufgL $=!) 1,265 1,265 1,265 1,265
40,313 40,313 34,558 34,558
bfloTjx?
Amortised Cost df dfkg ul/Psf] bfloTj
a}+s tyf ljQLo ;+:yfnfO{ ltg{ afsL /sd $=!& 6,754 6,754 13,329 13,329
g]kfn /fi6« a}+snfO{ ltg{ afsL /sd $=!* 19,728 19,728 3,239 3,239
u|fxssf] lgIf]k $=@) 289,904 289,904 287,025 287,025
Hff/L ul/Psf] C0fkq $=@$ 10,726 10,726 10,969 10,969
327,112 327,112 314,562 314,562
Fair Value through PL (FVTPL)

Jo'TkGg ljQLo pks/0f $=!( - - 5,338 5,338
164
%=#=! ljQLo ;DklQ / ljQLo bfloTjsf] fair value /sd ? bz nfvdf
Fair Value through PL (FVTPL) fair value tx o; jif{ ut jif{
ljQLo ;DklQ - - -
km/jf8{ ;6xL ;Demf}tf - - 5,359
ljQLo bfloTj - - -
km/jf8{ ;6xL ;Demf}tf - - 5,338
cGo lj:t[t cfDbfgLdfkm{t fair value - - -
ljQLo ;DklQ - - -
OCI df nufgL ;'/If0f - - -
;'lrs[t O{lSj6L ;'/If0f 2 2,585 2,980
;'lrs[t gul/Psf] O{lSj6L ;'/If0f 3 203 969
;xfos sDkgLdf nufgL - 1,265 1,265
hDdf 4,052 5,213
;+zf]lwt nfutdf /flvPsf] ljQLo pks/0f /sd ? bz nfvdf

ljQLo ;DklQt fair value tx o; jif{ ut jif{
C0f ;'/If0f 3 635 -
;/sf/L j08 3 25,117 24,710
;/sf/L 6]«h/L ljn 3 10,508 4,635
g]kfn /fi6« a}+s j08 3 - -
a}+s tyf ljQLo ;+:yfnfO{ shf{ ;fk6L 3 14,099 14,289
u|fxsnfO{ shf{ ;fk6L 3 252,448 248,770
Account Receivable - 808 982

Accured Income - - -
hDdf 303,616 293,387
ljQLo bfloTj fair value tx o; jif{ ut jif{

a}+s tyf ljQLo ;+:yfnfO{ ltg{ a“fsL /sd 3 6,754 13,329
g]kfn /fi6« a}+snfO{ ltg{ a“fsL /sd 3 19,728 3,239
u|fxssf] lgIf]k 3 289,904 287,025
;fk6L 3 - -
Joj:yfx? - - -
cGo bfloTj - 6,347 4,884
Hff/L ul/Psf] C0fkq - 10,726 10,969
;xfos bfloTj - - -
hDdf 333,459 319,560
O{lSj6L pks/0fsf] Fair Value Movement gf]6 $=*=# cGtu{t k|:t't ul/Psf] 5 . ;"lrs[t ePsf k|jw{s z]o/, ;fwf/0f z]o/sf]
cfly{s jif{ cGTodf /x]sf] d"Nosf] #% k|ltztdf d"NofÍg ul/Psf] 5 . ;"lrs[t Do'rn km08sf] d"No eg] NAV df k|:t't ul/Psf] 5 .
sDkgLsf] gfd ahf/ d"No ahf/ d"No sf] #% k|ltzt ljj/0f NAV
gful/s nfufgL sf]if 2,515 880.25 Pg cfO{ ;L Plzof Aofn]G; kmG8 11.99
hLjg ljsf; n3'ljQ ljlQo ;+:yf lnld6]8 2,699 944.65 Pg cfO{ ;L Plzof u|fy] kmG8 12.58
dfx'nL ;fd'bflos n3'ljQ ljlQo ;+:yf lnld6]8 1,155 404.25 Pg cfO{ ;L Plzof ;]nS] 6 #) 9.82
d]/f] dfOqmf] kmfO{gfG; ljlQo ;+:yf lnld6]8 847 296.45 Pg cfO{ ;L Plzof 8fO{gflds 8]A6 kmG8 10.64
RMDC n3'ljQ ljlQo ;+:yf lnld6]8 838 293.30
;'of]{bo jf]dL n3'ljQ ljlQo ;+:yf lnld6]8 783 274.05
;"of{ nfO{km OG;'/G] ; 387 135.45
;"lrs[t gePsf sDkgLx?, Hof]tL nfOkm OG;'/G] ; lnld6]8 / g]kfn Ogk|mf:6«Sr/ a}s
+ lnld6]8sf] d"Nof°g nfut d"Nodf ul/Psf] 5 .

%=$=! ;fdfGo hfgsf/L l/kf]l6{ªof]Uo OsfO{x? M ;+:yf_ nfO{ lbOPsf] C0fnfO{ 8LP;Pn a}l+ s· cGtu{t
nlIft u|fxs k|fk] mfOn, product / ;]jfx¿sf] k|sl[ t, juL{s/0f ul/Psf] 5 . o:tf] C0faf6 k|fKt x'g] Jofh
leGg hf]lvd / k|ltkmn, ;+u7g ;+/rgf, cfGtl/s cfo, z'Ns cfo of] v08sf] cfDbfgL x'g\ . of] v08sf]
Jofkf/ l/kf]l6{ª k|0ffnLnfO{ Wofgdf /fvL Jokf/ OsfO{nfO{ vr{tkm{ 8LP;Pn C0f k|bfg ug{sf] ;+slnt lgIf]ksf]
n]vf°g / l/kf]l6{ª ul/Psf] 5 . lgDg OsfO{x?df a}s + vr{, JolQmut vr{ / ;~rfng vr{ ;fy} To:tf C0fsf]
;~rflnt x'G5 M gf]S;fgsf] k|fjwfgnfO{ ;d]l6Psf] 5 .
s_ skf]/{ 6] a}l+ s· ª_ 6«h ] /L

skf]/{ 6] u|fxsnfO{ lbOPsf] % s/f]8 ?k}ofF eGbf a9L ;/sf/L aG8, 6«h] /L lan, Kn];d]G6, ljb]zL d'bf| Jofkf/
d"Nosf] C0fnfO{ skf]/{ 6] a}s
+ Ë cGtu{t juL{s/0f ul/Psf] / cGo ;+:yfx¿sf] z]o/df nufgL ePsf a}s + sf] Aofn]G;
5 . skf]/{ 6] C0faf6 k|fKt z'Ns cfDbfgL, Pn;L÷aLhLaf6 o; cGtu{t kb{5g\ . aG8 / lansf] Jofh cfo, ljb]zL
k|fKt ljb]zL d'bf| ;6xL cfDbfgL of] v08sf] cfDbfgL d'bf| nfe, nfef+z cfo o; If]qsf] /fh:j j:t' xf] . o;
x'g\ . of] v08sf] vr{tkm{ skf]/{ 6] C0f lbgsf] nflu k|of]u v08sf] vr{df nufgL, ljb]zL d'bf| 3f6f, JolQmut vr{
ul/Psf] lgIf]ksf] Jofh vr{, JolQmut vr{ / ;~rfng / kl/rfng vr{sf nflu k|of]u ul/Psf] lgIf]kx¿df x'g]
vr{sf ;fy} To:tf C0fsf] nflu gf]S;fgsf] k|fjwfg Jofh vr{ / To:tf nufgLx¿sf] nflu l;h{gf ul/Psf]
;d]l6Psf] 5 . 3f6fsf] k|fjwfg ;dfj]z 5 .
v_ l/]6n] -v'bf| _ a}l+ s· r_ sf/f]af/ a}l+ s·

JolQmnfO{ lbOg] C0f l/6]n a}l+ s· cGtu{t juL{s/0f sf8{ -8]la6 sf8{÷qm]l86 sf8{_ laqmLaf6 k|fKt cfDbfgL,
ul/Psf] 5 . o:tf C0faf6 k|fKt z'Ns cfo, Jofh cfo df]afOn / P;PdP; a}l+ sË laqmLaf6 k|fKt cfDbfgL,
o; v08sf] cfDbfgLx? x'g\ . of] v08sf] vr{tkm{ v'bf| u|fxs ;]jf z'Ns, Ph]G;L /]ld6\ofG; sldzg, ns/
C0f lbgsf] nflu k|of]u ul/Psf] lgIf]ksf] Jofh vr{, z'Ns, r]s k|lqmof z'Ns of] v08sf] cfDbfgLx? x'g\ . of]
JolQmut vr{ / ;~rfng vr{sf ;fy} To:tf C0fsf] v08sf] vr{tkm{ JolQmut vr{ / ;~rfng vr{ ;dfj]z
nflu gf]S;fgsf] k|fjwfg ;d]l6Psf] 5 . 5.
u_ ;fgf / demf}nf pBd -P;PdO{_ a}l+ s· 5_ cGo

;fgf / demf}Nff pBdx?nfO{ lbOPsf] C0f P;PdO{ a}l+ sË dflysf s'g} klg v08df ;dfj]z x'g g;s]sf cfDbfgL
cGtu{t juL{s/0f ul/Psf] 5 . of] C0faf6 k|fKt z'Ns / vr{x? o; v08 cGtu{t k5{g\ . ;DklQsf] laqmLaf6
cfDbfgL, Pn;L÷aLhLaf6 k|fKt ljb]zL d'bf| ;6xL cfDbfgL k|fKt x'g] cfDbfgL, cGo z'Ns / k|fKt x'g] sldzgx?
of] v08sf] cfDbfgL x'g\ . of] v08sf] vr{tkm{ P;PdO{ o; v08sf cfDbfgL j:t'x? x'g\ . ;fdfGo JolQmut
C0f lbgsf] nflu k|of]u ul/Psf] lgIf]ksf] Jofh vr{, vr{, ;~rfng vr{ / ;DklQsf ckn]vgx? of] v08sf
JolQmut vr{ / ;~rfng vr{sf ;fy} To:tf C0fsf] vr{x? x'g\ .
nflu gf]S;fgsf] k|fjwfg ;d]l6Psf] 5 .
skf]/{ 6] a}l+ s·, l/6]n a}l+ s·, P;PdO{ a}l+ s·, 8LP;Pn
3_ ljkGg If]q -8LP;Pn_ a}l+ s· a}l+ s·, sf/f]af/ a}l+ s· / 6«h] /Ldf slDtdf klg xfd|f
;dfhsf] jl~rt If]qnfO{ k|ToIf k|bfg ul/Psf] C0f &% k|ltzt cfDbfgL ;dfj]z x'G5g\ . oxfF, To;}n] oL
-pbfx/0fsf] nflu s[lif If]q_ jf ck|ToIf -pbfx/0fsf] v08x?nfO{ l/kf]l6{ªof]Uo v08 / afFsLnfO{ cGo v08df
nflu ul/a hgtfsf] lxtsf] nflu sfd ul//x]sf] juL{s/0f ul/Psf] xf] .
166
%=$=@ gfkmf jf 3f6f, ;DklQ / bfloTjaf/] hfgsf/L
/sd ? Ùhf/df
ljj/0f skf]{/]6 l/6]n P;PdO{ 8LP;Pn 6]«h/L 6LaL cGo hDdf
afx\o u|fxsaf6 k|fKt cfDbfgL 4,381,907 13,946,696 9,494,251 2,911,061 2,901,942 668,418 995,555 35,299,829
cGt/ OsfO{ vr{÷cfDbfgL 18,771 10,465 6,612 1,695 - - - -
s'n cfDbfgL 4,363,135 13,957,160 9,500,863 2,912,756 2,901,942 668,418 995,555 35,299,829
Jofh cfDbfgL 4,260,649 13,466,042 8,941,134 2,832,516 2,442,093 - 829,480 32,771,914
Jofh vr{ 3,240,973 8,801,471 6,168,585 2,122,436 1,148,847 - - 21,482,312
s'n Jofh cfDbfgL 1,019,675 4,664,571 2,772,549 710,080 1,293,246 - 829,480 11,289,602
x|f;s§L / kl/zf]wg 33,021 131,705 126,738 33,845 43,995 2,208 13,206 384,717
cfos/ cl3sf] gfkmf 94,735 2,076,124 1,517,943 355,418 1,206,607 61,231 684,146 5,996,203
Impairment Charge 186,675 407,559 210,414 60,612 - - - 865,260
OsfO{ ;DklQx? 28,335,154 114,904,348 110,571,103 29,527,845 75,054,192 163,021 14,175 358,569,838
OsfO{ bfloTjx? 29,388,123 116,027,917 114,753,622 19,646,691 78,682,955 69,972 559 358,569,838
%=$=# ;~rfng OsfO{sf] gfkmf jf gf]S;fg, ;DklQ / /sd ? bz nfvdf

bfloTjsf] dfkg s'n ;DklQ /sd
a}+sn] sf/f]af/sf] k|d'v If]qx¿ ;~rfngsf] k|s[ltsf] pNn]vof]Uo v08sf] s"n ;DklQx? 358,570
cfwf/df n]vf°g u/]sf] 5 h;n] a}+ssf] Joj:yfkg cGo ;DklQx? -
;ldltnfO{ lg0f{o k|lqmofdf / ;|f]tx¿ afF8kmfF8sf] nflu s'n ;DklQx? 358,570
;xof]u u5{ . o;n] Joj:yfkg If]qsf] k|bz{g cfFsng

ug{ d2t ub{5 . of] OsfO{ Joj;fosf] k|s[ltsf] cfwf/
df n]vf°g ul/Psf] 5 . nufgL /sd, /fi6« a}+sdf
ePsf] /sd, nufgLaf6 x'g] cfo, ljb]zL d'b|faf6 k|fKt /sd ? bz nfvdf
cfDbfgL afudtL k|b]z cGtu{tsf] s]lGb|o sfof{nodf s'n bfloTj /sd
k|:t't ul/G5 . cGt/ OsfO{ cfDbfgL / vr{nfO{ a}+ssf] pNn]vof]Uo v08sf] s"n bfloTjx? 358,570
gLltcg';f/ /flvPsf] 5 / s]lGb|o sfof{noaf6 x6fOPsf] cGo bfloTjx? -
5. s'n bfloTjx? 358,570
%=$=$ pNn]vof]Uo, OsfO{ cg';f/sf] cfDbfgL, gfkmf jf 3f6f,

;DklQ / bfloTjsf] lx;fa ldnfg
/sd ? bz nfvdf
cfDbfgL /sd
pNn]vof]Uo OsfO{sf] nflu s'n cfDbfgL 35,300
cGo cfDbfgLx? -
x6fOPsf] cGt/ OsfO{ cfDbfgL -
O{sfO{ cfDbfgL 35,300
/sd ? bz nfvdf
gfkmf jf 3f6f /sd
pNn]vof]Uo OsfO{sf] nflu s'n gfkmf jf gf]S;fg 5,996
cGo gfkmf jf gf]S;fg -
x6fOPsf] cGt/ OsfO{ gfkmf -
s/ cl3sf] gfkmf 5,996

%=$=% of]hgf tyf ;]jfaf/] hfgsf/L %=$=& k|d'v u|fxsaf/] hfgsf/L
/sd ? bz nfvdf Ps}hgf u|fxsaf6 s"n cfDbfgLsf] !) k|ltzt eGbf
qm=;= ljefu cfDbfgL a9L cfDbfgL gf3]sf] 5}g .
! skf]/{ 6] 4,392
@ l/6]n 13,976
%=% z]o/ ljsNk / z]o/df cfwfl/t e'QmfgL
c cfjlws 3/ shf{ 7,499
a}+s;Fu sd{rf/LnfO{ z]o/ ljsNk lbg] gLlt 5}g . o;}
cf 3/ shf{ cf]e/8«fk\m6 2,456
u/L, jif{e/L a}+sn] z]o/ hf/L u/]/ s'g} klg e'QmfgL
O c6f] shf{ 2,011
lbPsf] 5}g .
O{ uf]N8 shf{ 250
p z]o/ lwtf] /fv]/ shf{ 338

%=^ cfsl:ds bfloTj / k|lta4tf
pm z}lIfs shf{ 212
P cGo shf{ 1,210
# ;fgf tyf demf}nf pBd 9,511

%=^=! cfos/ bfloTj
c demf}nf pBd 5,361
a}+sn] 7"nf s/bftf sfof{noaf6 cfly{s jif{ @)^&–^*
cf dWod–ahf/ pBd 283
b]lv @)&#–&$ ;Dd self assessment cGtu{t
O ;xh pBd 630
k]z u/]sf] cfos/ ljj/0fdf ;+zf]lwt s/ lgwf{/0f
O{ ;fgf pBd 3,237 cfb]z k|fKt u/]sf] 5 . dflysf] ljQLo jif{x¿sf] ;+zf]lwt
$ ljkGg If]q shf{ 2,918 s/ lgwf{/0fåf/f dfu ul/Psf] yk s/ bfloTj hl/jfgf
c k|ToIf ljkGg If]q shf{ 1,087 / Jofh;lxt ? %#=% s/f]8 /sd 5 . a}+sn] ;DalGwt
cf ck|ToIf ljkGg If]q shf{ 1,830 lgsfodf yk s/ dfu lj¿4 k'g/fjnf]sgsf] ckLn
% 6]h
« /L 2,865 u/]sf] 5 .
c 6]«h/L lan / ;/sf/L ;'/If0f kqdf nufgL 2,667
cf sf/f]af/ cfo 198 afFsL lg0f{o M of] cltl/Qm dfubfaLaf/] s'g} Joj:yf
O k'gM d"NofÍg cfo 1 ul/Psf] 5}g / ljQLo ljj/0fx¿sf] ;Defljt bfloTjsf]
^ sf/f]af/ a}l+ s· 659 ?kdf pNn]v ul/Psf] 5 . Self assessment k|lqmof
cf sf8{ / gjLg a}+lsË 592 cGtu{t a}+sn] cfly{s jif{ @)&&÷&* ;Ddsf] income
# cGo sf/f]af/ a}+lsË ;]jf 67 tax return 7"nf s/ bftf sfof{nodf btf{ u/]sf] 5 .
& cGo ;]jfx? 979
cGo 979
hDdf 35,300
%=^=@ cfsl:ds bfloTj

/sd ? bz nfvdf
%=$=^ ;+l3o ;+/rgf adf]lhd ljQLo ljj/0f ljj/0f o; jif{ ut jif{
Acceptances and Documentary Credit 451 1,378
lgDg ef}uf]lns If]qaf6 k|fKt cfDbfgL ;+sng x'g afFsL lanx? 12 159
/sd ? bz nfvdf clu|d ljlgdo ;Demf}tf - 5,338
If]q /sd k|ltzt hdfgtx? 3,607 4,207
s :jb]zL Undrawn and Undisbursed Facilities 4,384 14,976
k|b]z ! 4,639 13Ì kF"hLut k|ltj4tf 115 16
dw]; 2,707 8Ì d'2f dfldnfx? 535 427
afudtL 24,349 69Ì hDdf 9,103 26,500
u08sL 1,245 4Ì
n'lDagL 1,609 4Ì
s0f{fnL 258 1Ì %=& ;DalGwt kIf v'nf;f

;'b'/ klZrd 493 1Ì g]kfn n]vf dfkb08 -NAS @$_ cGtu{tsf] cfjZostf
v j}bl] zs cg';f/ a}+sn] lgDg lnlvtx?nfO{ ;DalGwt kIf klxrfg
hDdf 35,300 100Ì u/]sf] 5 .
168
gfd ;DaGw
Pg cfO{ ;L Plzof Soflk6n lnld6]8 k"0f{ :jfldTjsf] ;xfos sDkgL
Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8 %&=&% k|ltzt :jfldTjsf] ;xfos sDkgL
Pg cfO{ ;L Plzof ;]So'l/6Lh\ lnld6]8 k"0f{ :jfldTjsf] ;xfos sDkgL
t'n;L/fd cu|jfn cWoIf
lqnf]s rGb cu|jfn ;~rfns
/fdrGb| ;+3O{ ;~rfns
s]zjk|;fb nD;fn ;~rfns
cflbTo s'df/ cu|jfn ;~rfns
lahof :jf/ ;~rfns
u0f]z dfg >]i7 ;~rfns
/f]zg s'df/ Gof}kfg] k|d'v sfo{sf/L clws[t
;'lw/ gfy kf08] Gffoj k|d'v sfo{sf/L clws[t
;Gtf]if s'df/ /f7L Gffoj k|d'v sfo{sf/L clws[t
/fh]z /fjn ;xfos k|d'v sfo{sf/L clws[t
slkn 9sfn ;xfos k|d'v sfo{sf/L clws[t
hoGb| /fjn ;xfos k|d'v sfo{sf/L clws[t
/Ghg v8\sf ;xfos k|d'v sfo{sf/L clws[t
ch'{g /fh vlgof ;xfos dxfk|aGws
k|sfz rGb| clwsf/L ;xfos dxfk|aGws
k|sfz a/fn ;xfos dxfk|aGws
ljzfn l;Ub]n ;xfos dxfk|aGws
gf/fo0f ;'Gb/ lzNksf/ ;xfos dxfk|aGws
ltns ;'Gb/ sfsL{ gfoa k/\kmf]/\d]G; Pz'/]G;\ O{sf]l;:6d÷n'lDjgL k|b]z k|d'v
lbk]Gı zdf{ gfoa k/\kmf]/\d]G; Pz'/]G;\ O{sf]l;:6d÷u08sL k|b]z k|d'v
lbg]z ef/L k|d'v sfg'g clws[t
alkg /fhe08f/L k|d'v k|ljlw clws[t
cldt s]=;L= gfoa k/\kmf]/\d]G; Pz'/]G;\ O{sf]l;:6d÷dw]z k|b]z k|d'v
?k]z n'O{+6]n k|d'v ljQLo clws[t
s}nfz uf}td k|d'v 8]enKd]G6 clws[t
lbks 9sfn k|d'v cg'kfngf÷Gffoa k|d'v hf]lvd clws[t
sdn v8\sf k|d'v cfGtl/s n]vfk/LIfs
ljsfz v/]n k|b]z ! k|d'v
;'jfz hf]zL ;'b'/ klZrd k|b]z k|d'v
;'dg yklnof k|d'v ljh]g]; k|f];]; l/O{lGhlgol/Ë
/fhg k|;fb kf]v|]n s0ff{nL k|b]z k|d'v
gf/fo0f k|;fb g]kfn k|d'v !)x Pz'/]G;\ O{sf]l;:6d
lbk]g sfsL{ sDkgL ;lrj
%=* ;~rfns ;ldlt ;b:o eQf tyf ;'ljwfx? tyf 6]lnkmf]g÷df]afOn eQf jfkt_ cg'?k ? !,$#(,&)^
cfly{s jif{ e/Ldf ;~rfns ;ldltnfO{ a}7s eQf k|bfg ul/Psf] 5 .
jfkt ? !),@**,))) /sd e'QmfgL lbOPsf] 5 . ;~rfns :t/Lo ;ldltnfO{ e'QmfgL lbOPsf] a}7s
cfly{s jif{e/ ^) j6f af]8{ a}7s a;]sf] lyof] . eQf lgDgfg';f/ 5 M
!( l8;]Da/ @)!* df ;DkGg ePsf] @!cf} jflif{s ;~rfns :t/Lo ;ldlt a}7s ;+Vof a}7s eQf
;fwf/0f ;efaf6 kfl/t ePsf] / g]kfn /fi6« a}+saf6 ;~rfns ;ldlt a}7s 60 6,240,000
@$ hga/L @)!( df ePsf] :jLs[lt cg';f/ ;~rfns ;Dklt z'l4s/0f /f]syfd ;ldlt 20 624,000
;ldlt cWoIf / ;b:onfO k|lt a}7s qmdzM @),))) n]vfk/LIf0f ;ldlt a}7s 58 1,632,000
?k}ofF / !^,))) ?k}ofF e'QmfgL lbOPsf] lyof] . ;~rfns sd{rf/L ;]jf ;'ljwf a}7s 7 224,000
;ldlt:t/Lo a}7sdf ;xefuL x'Fbf cWoIf / ;b:onfO{ hf]lvd Joj:yfkg ;ldlt 29 1,152,000
To;cl3 qmdzM !$,))) / !@,))) lbOGYof] . cfly{s ejg lgdf{0f pk ;ldlt 9 416,000
jif{df ;~rfnsx?nfO{ dfl;s eQf -kqklqsf hDdf 183 10,288,000

%=( k|j4{snfO{ lbOPsf] C0f / k]ZsL Joj:yfkg ;ldltsf ;b:ox?nfO{ lgDg cg';f/sf] cGo
a}+sn] cfly{s jif{e/L k|j4{snfO{ s'g} klg k|sf/sf] C0f ;'lawf klg k|bfg ul/Psf] 5 M
lbPsf] 5}g . c_ sd{rf/L ;]jf ;'ljwf ljlgodfjnL cg';f/sf] ;'ljwf
cf_ af]g; P]g cg';f/sf] sd{rf/LnfO{ af]g;
%=!) Joj:yfkg ;ldltsf ;b:ox?nfO{ e'Qmfg ul/Psf]
;'ljwfx?sf] ljj/0f k|d'v sfo{sf/L clwsf/LnfO{ k|bfg ul/Psf] tna / cGo
k|d'v sfo{sf/L clws[t afx]s Joj:yfkg ;ldltsf ;'ljwfx? lgDgfg';f/ 5g\ M
/sd ?=
;b:ox?nfO{ e'Qmfg ul/Psf] ;'ljwfx?sf] ljj/0f lgDg ljj/0f /sd
cg';f/ 5g\ M eQf;lxt k|dv ' sfo{sf/L clws[tsf] s"n jflif{s tna 18,000,000
/sd ?= sfdsf] cfwf/df k|d'v sfo{sf/L clws[tnfO{ of]
qm=;= ljj/0f /sd cfly{s jif{df lbOPsf] yk eQf
! cNksfnLg sd{rf/L nfe 169,994,626 s_ sd{rf/L af]g; * 5,257,255
@ /f]huf/Lkl5sf] nfe - v_ k|rlnt sfg'g cg;f/ eQf -
# cGo bL3{sflng nfe - u_ cGo 56,292
$ pkbfg / la/fdL labfafkt\sf] e'QmfgL 5,008,685 cGo ;'lawf ** 90,000
% z]o/df cfwfl/t e'QmfgL - k|dv

' sfo{sf/L clws[tnfO{ k|bfg ul/Psf] s'n tna 23,403,547
hDdf 175,003,311 o; cfly{s jif{df a}s

+ sf] s'n sd{rf/L vr{ 4,500,746,350
* cfly{s jif{ @)&&÷&* sf] af]g; @)&*÷&( df k|bfg ePsf] .

** cGo ;'ljwf cGtu{t ? (),))) ;jf/L s/ /x]sf] 5 .
%=!! ;xfos sDkgL;Fu ePsf] sf/f]af/

;d"xsf] ljQLo ljj/0fsf] k|:t'ltdf cGt/ ;d"x cf+s8fx?nfO{ ;dfj]z ul/Psf] 5}g .
/sd ?=
qm=;= ljj/0f Pg cfO{ ;L Plzof Soflk6n Pg cfO{ ;L Plzof n3’ljQ Pg cfO{ ;L Plzof ;]So’l/6Lh
! e'Qmfg ul/Ps]f z]o/ btf{ z'Ns 907,500 - -
@ ;xfos sDkgLaf6 k|fKt lgIf]k 431,847,891 482,640,116 68,212,750
# ;fk6L - 3,250,000,000 -
$ ;xfos sDkgLnfO{ lbOPsf] Jofh 50,319,711 - 6,149,962
% ;xfos sDkgLaf6 k|fKt Jofh - 232,099,033 -
^ ;xfos sDkgLnfO{ e'QmfgL 920,942 17,441,346 -
& ;xfos sDkgLaf6 k|fKt e'QmfgL 129,050 22,950,000 -
;d"xsf] ljQLo ljj/0fsf] k|:t'ltdf cGt/ ;d"x %=!$ l/kf]l6{ª ldlt kl5sf 36gfx?
cf+s8fx?nfO{ ;dfj]z ul/Psf] 5}g . a}s+ n] l/kf]l6{ª cjlw ;lsPkl5 ;dfof]hg jf u}/–;dfof]hg
36gfx¿sf] ¿kdf of]Uo tyf ;Defljt k|efj kfg{ ;Sg]
%=!@ lano / clwu|x0f – (Merger and Acquisition) 36gfx?sf] cg'udg / ljZn]if0f u/]sf] 5 . ;a} ;dfof]hg
jif{e/Ldf s'g} Merger and Acquisition ePsf] 5}g . 36gfx¿ cltl/Qm k|s6Ls/0fsf] ;fy ljj/0fdf ;dfj]z
ul/Psf] 5 / u}/–;dfof]hg 36gfx¿ ;Defljt ljQLo
%=!# ;dfj]z gul/Psf ;+:yfsf] cltl/Qm v'nf;f k|efj ;s];Dd gf]6df v'nfOPsf] 5 . !^ h'nfO{ @)@@
!^ h'nfO{ @)@@ ;Dddf a}+s;Fu b'O{ j6f k"0f{ :jfldTj b]lv of] ljQLo ljj/0fdf x:tfIf/ x'g] a]nf;Dd s'g}
ePsf ;xfos ;+:yfx? Pg cfO{ ;L Plzof Soflk6n pNn]Vo 36gfx? ePsf 5}gg .
lnld6]8, Pg cfO{ ;L Plzof ;]So'l/6Lh\ lnld6]8 /
%&=&% k|ltzt :jfldTj ePsf] Pg cfO{ ;L Plzof %=!% u}/ a}+ls· ;Dklt
n3'ljQ ljQLo ;+:yf 5g\ . oL ;j}nfO{ ljQLo ljj/0fdf u}/ a}+lsË ;DklQnfO{ nufgL ;DklQ cGtu{t b]vfOPsf]
;dl6Psf] 5 . of] jif{df ljQLo ljj/0fdf ;dfj]z 5 . o;nfO{ fair value eGbf sd jf u}/ a}+lsË ;DklQsf]
ug'{kg]{ t/ ;dfj]z gul/Psf] s'g} ;+:yf 5}g . ;sf/ ug]{ qmddf /x]sf] aSof}tf /sddWo] h'g sd 5
To;sf] cfwf/df n]vf°g ul/Psf] 5 .
170
/sd ? xhf/df
;fk6L lng]sf] gfd u}/ a}+s· ;DklQ ;sf/ ldlt o; jif{ ut jif{
c6f] qmf6 k|f ln 2/11/2018 - 15,800
s[i0f 8fFuL ÷ d+h' uf}td 7/2/2018 - 16,297
lzj]Gı s'df/ jdf{ ÷ Hof]lt s'df/L jdf{ 7/5/2018 3,220 3,220
xf]6]n 8]N6f k|f ln 1/4/2019 20,500 20,500
dfz{n u'?k 9/19/2019 - 48,125
pu|r08L g'8n 9/24/2019 - 13,326
u}l/of kmlg{r/ pBf]u 10/4/2019 - 5,066
>L ;fO{ vfg]kflg pBf]u 10/11/2019 - 35,100
ho dËnd kf]N6«L k|f ln 10/17/2019 53,425 53,425
uf]kLrg /fpmt s'dL{ 10/17/2019 - 855
df]xg uf}zfnf -o'lgs_ 12/10/2019 14,862 14,862
cf]d zflGt kmlg{r/ pBf]u 12/25/2019 1,465 1,465
lbg]z aGhf/f 12/27/2019 - 2,907
cf]:sf/ 6«]8 ln+s 12/31/2019 - 4,663
cA;f]n'6 OG6/g];gn k|f ln 1/1/2020 7,716 7,716
s'zjfxf /]8Ld]8 ;]G6/ 1/13/2020 4,105 4,105
km'af{ z]kf{ 1/14/2020 645 645
ho dgf]sfdfgf sdlz{on 1/14/2020 - 14,559
/fhfdlt km];gj]c/ 1/14/2020 - 24,500
l;g]hL{ ld6 P+8 lkm8 ;KKnfP/ 3/18/2020 - 17,067
cfËb]Da] a+u'/ kfng tyf s[lif kmfd{ 3/19/2020 - 4,049
af:sf]6f ;KKnfP/ 3/20/2020 - 7,466
k|l;bf kmfdf{ / /lag /f]o 3/20/2020 8,888 8,888
;+sNk ls/fgf :6f]/ 3/20/2020 4,050 4,050
k|l;bf kmfdf{ / /lag /f]o 3/20/2020 - 1,720
an/fd g]kfn 6/22/2020 - 980
lrq k|sfz yfkf 6/28/2020 2,214 2,214
cfo'if ls/fgf k;n 6/30/2020 - 3,165
e';fn /f]8f ;KKnfP/ 7/2/2020 6,800 6,800
:dfOn xf]d On]S6«f]lgs k|f ln 7/5/2020 34,300 34,300
lzj zlQm ODk]S; 7/6/2020 - 30,210
6]s axfb'/ lnDa' 7/7/2020 - 766
xs{ axfb'/ ;fsL{ 7/13/2020 - 979
pT;j dlb/f k;n 9/14/2020 2,842 2,842
xn]zL dxfb]j xf]6]n P+8 u]:6 xfp; k|f ln 9/20/2020 7,810 7,810
s';'d vft'g ÷ ;ld/ ls/fgf 10/1/2020 5,800 5,800
bof/fd vjf; ÷ ;fO{ lk|G6/ 10/2/2020 9,636 9,636
>Lb/ cfrfo{ 10/2/2020 - 24,800
k|sfz /f]sfof 10/4/2020 1,103 1,103
lai0f' axfb'/ dxt/f 10/4/2020 1,178 1,178
l;d|g sf]N8 :6f]/ 10/6/2020 11,641 11,641
kL s] KnfO{j'8 / xf8{j]o/ 10/11/2020 8,366 8,366
k|fyfgf Xofr/L k|f ln 10/11/2020 - 126,000
df cDa] e08f/ 10/12/2020 - 92,000
rGbgfy xf]6]n P+8 nh 10/16/2020 15,108 15,108
dugL zfx t]nL 11/8/2020 - 3,800

/sd ? xhf/df
;fk6L lng]sf] gfd u}/ a}+s· ;DklQ ;sf/ ldlt o; jif{ ut jif{
dugL zfx t]nL 11/8/2020 - 3,800
ls/0f z]df{ / klaq ha]u' 11/9/2020 - 833
tfKn]h'+u ;+yfqm uxfgf pBf]u 11/22/2020 84,310 115,850
/Iff tfdfª 12/6/2020 - 1,044
a:ofn xf8{j]o/ ;KKnfP/ 12/13/2020 126,921 126,921
hnsGof Ans pBf]u 12/22/2020 - 4,322
uf}nf]rg s[lif pBf]u k|f ln 12/24/2020 - 10,409
dNn Pu|f] kf]N6«L lkm8 ;KKnfP/ 1/5/2021 - 5,924
/fd e/f]; dxtf] 1/12/2021 - 1,003
rl08sf km]G;L k;n 1/13/2021 - 4,712
/of kmlg{r/ u'?k 1/13/2021 23,550 30,750
l/6r OlË\nz af]l8{+u :s'n, s+rgk'/ 2/11/2021 - 4,602
gGb lszf]/ /] 2/11/2021 - 749
b'b] zLnf lgdf{0f ;]jf 2/22/2021 6,496 6,496
hd hd kmlg{r/ pBf]u 2/22/2021 2,717 2,717
b'/f kf08] 2/22/2021 404 404
s]zj /fjn 2/23/2021 1,064 1,064
zflGt km]G;L k;n 2/24/2021 - 2,100
dyful8 u'?k 2/24/2021 86,630 86,630
ldlyn]z kf;jfg 3/2/2021 1,468 1,468
xl/ axfb'/ ef+d 3/5/2021 2,409 2,409
nIdL 6«]8/ 3/7/2021 47,668 56,757
/0f] sfld 3/10/2021 1,901 1,901
lblksf P+8 h]lgzf :6f]/ 3/18/2021 1,400 1,400
/fh s'df/ ef+d 3/19/2021 5,846 5,846
gjb'uf{ kmlg{r/ kmlg{lz+u :6f]/ 3/26/2021 45,810 45,810
b]ptL hg/n :6f]/ 4/9/2021 3,606 3,606
:j]tf /LSgl8;g P+8 k]G6 xfp; 4/29/2021 - 8,550
nIo c6f] ln+s 6/15/2022 1,738 -
nIo c6f] ln+s 6/13/2022 31,609 -
hDdf 722,531 1,275,461
172
%=!^ cg'dfgsf] kl/jt{g
o; cfly{s jif{df s'g} cg'dfgsf] kl/jt{g 5}g .
%=!& k|lt z]o/ cfDbfgL

O{lSj6L z]o/wgLx?sf] sdfO{sf] cfwf/df a}+sn] k|lt z]o/ cfDbfgLsf] dfkg u5{ . g]kfn PsfplG6ª dfkb08 – ## cg';f/
k|lt z]o/ cfDbfgLsf] nflu z]o/nfO{ ;DalGwt NAS sf] nflu efl/t cf};t gDa/sf] ?kdf lnOG5 . :jk"FhL wgLx?sf]
xfnsf] cfDbfgLnfO{ sdhf]/ kfg]{ ;Defltj ;fwf/0f z]o/ gePsfn] a]l;s O{kLP; / 8fOn'6]8 O{kLP; k|:t't cjlwdf
a/fa/ 5g\ .
;fk6L lng]sf] gfd O{sfO o; jif{ ut jif{

v'b gfkmf -s_ ? ))) 4,214,927 3,258,934
k|ltz]o/ cfwf/e't cfDbfgLsf] u0fgfdf k|of]u ePsf] O{lSj6L z]o/sf] 11,564,005 11,564,005
efl/t cf};t z]o/ ;+Vof -v_
k|ltz]o/ cfwf/e't cfDbfgLsf] u0fgfdf k|of]u ePsf] O{lSj6L z]o/sf] - -
;dfof]lht efl/t cf};t z]o/ ;+Vof
k|lt -k|To]ssf] !)) ?k}ofF_ O{lSj6L z]o/sf] cfwf/e't / 8fOn'6]8 ? 36.45 28.18
cfDbfgL -s÷v_
;dfof]lht k|lt O{lSj6L z]o/sf] cfDbfgL -ut jif{sf] af]g; z]o/ kl5_ ? 36.45 28.18
NAS ## sf] k|fjwfg cg';f/ sDkgLn] utjif{sf] k|ltz]o/ cfwf/e"t cfDbfgL / k|ltz]o/ 8fO{n'6]8 cfDbfgLnfO{ ;dfg?kdf ;dfof]hg
/ k'g{:yfkg u/]sf] 5 .
%=!* k|:tfljt ljt/0f -nfef+z / af]g; z]o/_ %=!( ltg{ afFsL nfef+z
;~rfns ;ldltsf] @)&( k'if % ut] a;]sf] %*! cf+} l/kf]l6{ªsf] ldlt;Dddf % jif{df ltg{ afFsL nfef+z
a}7sn] s'g} klg nfef+z lat/0f gug]{ l;kmfl/; u/]sf] lgDgfg';f/ 5g\ M
5.
/sd ? xhf/df /sd ? xhf/df
ljj/0f o; jif{ ut jif{ ljj/0f o; jif{ ut jif{
gub nfef+z 3f]if0ff % jif{ eGbf a9L cjlw;Dd ;+sng 87,374 88,477
af]g; z]o/ gul/Psf]

s'n % jif{;Dd ;+sng gul/Psf] 141 56,811
s'n 87,515 145,288

%=@) lgis[o shf{ ;DklQ ul/Psf] lgis[o shf{ ;DklQ;DaGwL gf]S;fg Joj:yf
lgis[o shf{ ;DklQ jf;nft tof/ kfbf{;Dd a}+ssf] ;DaGwL /sd ? !@$=^ s/f]8 ?k}ofF 5, h'g lgis[o
lgis[o shf{ ;DklQsf] b/ )=%# k|ltzt 5 . of] shf{ ;DklQsf] ** k|ltzt xf] . ;fy}, s'n shf{
cjlw;Dd hDdf lgis[o shf{ ;DklQ ? !$@=% s/f]8 gf]S;fgL Joj:yf / lgis[o shf{sf] cg'kft #%& k|ltzt
?k}ofF 5 eg] g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ lx;fa 5.
/sd ? bz nfvdf
ljj/0f o; jif{ ut jif{ kl/jt{g
/sd k|ltzt
;lqmo shf{ 266,812 263,523 3,289 1’
lgis[o shf{
k'gM ;+/rgf / k'gM tflnsf ul/Psf shf{ 68 80 -12 -15Ì
sd;n shf{ 6 353 -347 -98Ì
z+sf:kb shf{ 227 589 -362 -61Ì
v/fa shf{ 1,223 294 829 282Ì
s'n shf{ 268,236 264,839 91,099 52’
lgis[o shf{ b/x? M

s"n shf{;Fu lgis[o shf{ )=%# k|ltzt
v'b shf{;Fu v"b lgis[o shf{ )=)& k|ltzt
%=@! lgIf]k / shf{ ;fk6sf] Concentration

/sd ? bz nfvdf
C0f / k]ZsL tyf vl/b lan lgIf]k / ;fk6L u}/sf]if ;DalGw
ljj/0f
o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{
s'n /sd 268,236 264,839 294,977 300,252 4,249 5,910
Pp6} O{sfO{sf] ;+nUgtf 3,250 4,235 8,621 10,483 499 361
;+nUgtfsf] Psfu|tf 1.21Ì 1.60Ì 2.92Ì 3.49Ì 11.74Ì 6.11Ì
;+s]+b|0fsf] u0fgfsf] nflu shf{ ;fk6 eg]sf] sd{rf/L a}+s tyf ljQLo ;+:yf P]g, @)&# -aflkmof_ sf] bkmf
shf{ ;fk6 / hDdf ePsf] kfpg' kg]{ Jofh afx]ssf] $$ sf] Joj:yf cg';f/ of] jif{sf] @) k|ltzt gfkmf
shf{ /sd xf] eg] lgIf]k eg]sf] hDdf ePsf] ltg{' kg]{ /sd ? *$@,(*%,#() ?k}ofF -ut jif{ /sd
Jofh afx]ssf] /sd xf] . sf]if / u}/ sf]if b'j} Psn ? ^%!,&*^,*(#_ gfkmf / gf]S;fg ;dfof]hg vftfdfkm{t
u|fxs ;Ldf / If]qut ;Ldf -lgb]{zg gDa/ #_ /fi6« ;fdfGo hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 .
a}+ssf] lgb]{zg cg';f/ ;Ldf leq} 5g\ .
%=@@ hu]8f sf]if %=@@=@ ;6xL 36a9 hu]8f sf]if

a}+s tyf ljQLo ;+:yf P]g, @)&# sf] bkmf $% sf]
%=@@=! ;fwf/0f hu]8f sf]if Joj:yf cg';f/ a}+sn] k'gd"{Nof°gdf k|fKt nfesf] @%
jif{e/L ;wf/0f hu]8f sf]ifdf ePsf] ultljlw o;k|sf/ 5g\ M k|ltzt gfkmf / gf]S;fg ;dfof]hg vftfdfkm{t ;6xL
36a9 sf]ifdf /sdfGt/ ug'{k5{ . of] jif{ ? !%$,@%$
/sd ? xhf/df -ut jif{ ? *,#%@,$%$_ ;6xL 36a9 df}Hbftdf
;'?jflt /sd 3,701,304
/sdfGt/ ul/Psf] 5 . ;6xL 36a9 hu]8f sf]ifsf]
aflkmofcg';f/ ?sdfGt/ 842,985
clGtd /sd ? $*,)*^,)@$ 5 . jif{e/L ;6xL
nufgL laqmL ?sdfGt/ 32,702
36a9 hu]8f sf]ifdf ePsf] ultljlw o;k|sf/ 5g\ M
clGtd /sd 4,576,992
174
/sd ? xhf/df
;'?jflt /sd 47,932 gDa/ * adf]lhd, a}+sn] …laqmLsf] nflu pknAwÚ
k'gd{"Nof°g nfesf] @% k|ltzt /sdfGt/ 154 nufgLsf] nflu nufgL ;dfof]hg sf]if v8f ug{' kg{]
clGtd /sd 48,086 5}g . oBkL, nufgLsf] # jif{ ;Dd s'g} sDkgL lwtf]kqdf
;"lrs[t x'Fb}g eg] nufgL ;dfof]hg sf]ifdf nufgL
a/fa/sf] /sd ?sdGt/ ug{' kg{] x'G5 .
%=@@=# k"FhL lkmtf{ hu]8f sf]if (Debenture Redemption
Reserve)
/sd ? xhf/df
g]kfn /fi6« a}+saf6 Hff/L PsLs[t lgb]{zgsf] lgb]{zg ;'?jflt /sd 500
gDa/ !^ adf]lhd cg'dlt k|fKt ;+:yfn] l8j]~r/ clGtd /sd 500
bfloTjsf] nflu k"FhL r'Qmf sf]if /fVg'k5{ . a}+ssf]

…( k|ltzt Pg cfO{ ;L Plzof C0fkq @)*!÷*@Ú sf]
%=@@=% lgodsf/L hu]8f sf]if
nflu ? ^) s/f]8 / …!! k|ltzt Pg cfO{ ;L Plzof
C0fkq @)*@÷*#Ú sf] nflu ? #^=^ s/f]8 gfkmf g]kfn /fi6« a}+ssf] lgb{]lzsf $-#_ sf cg';f/
gf]S;fg ;dfof]hg vftfaf6 5'6\ofO{Psf] 5 . a}+ssf] Ohfhtk|fKt ljQLo ;+:yfn] v'b gfkmfdf -af]g; / s/
!)=@% k|ltzt Pg cfO{ ;L Plzof C0fkq @)*#÷*$ k5L_ lgodsf/L hu]8f sf]if v8f ug{' kg{] x'G5 .
sf] nflu ? #@=$ s/f]8 gfkmf gf]S;fg ;dfof]hg
vftfaf6 5'6\ofO{Psf] 5 eg] ‘*=% k|ltzt Pg cfO{ ;L jif{e/L lgodsf/L hu]8f sf]ifdf ePsf] ultljlw o;
Plzof C0fkq @)**’ sf] nflu ? !&=% s/f]8 gfkmf k|sf/ 5g\ M
gf]S;fg ;dfof]hg vftfaf6 5'6\ofO{Psf] 5 . /sd ? xhf/df
;'?jflt /sd 1,225,883
cfly{s jif{sf] cGTodf k"FhL r'Qmf sf]ifsf] clGtd hu]8f sf]ifaf6 /sdfGt/ 168,102
clGtd /sd 1,393,985

df}Hbft ? #,#%$,&&$,))) /x]sf] 5 .
%=@@=$ nufgL ;dfof]hg sf]if

g]kfn /fi6« a}+saf6 Hff/L PsLs[t lgb]{zgsf] lgb]{zg
/sd ? xhf/df
cfly{s jif{ 2074Œ75 2075Œ76 2076Œ77 2077Œ78 2078Œ79 hDdf
k|fKo Jofh cfDbfgL 390,118 26,369 41,010 46,865 483,600 905,942
Go"g shf{ gf]S;fgL Joj:yf - - - - - -
nufgLdf ;Defljt gf]S;fgLsf nflu 5f]6f] cjlwsf] 1,592 1,592 8,120 8,120 2,126 2,126
Joj:yf
u}/ a}+lsË ;Dkltdf gf]S;fgLsf nflu 5f]6f] cjlwsf] 74,383 201,556 36,582 491,021 348,347 455,195
Joj:yf
:yug s/ ;DklQ 54,244 54,244 - - - -
VoftL ;DklQsf] n]vfÍg - - - - - -
Bargain Purchase df nfe - - - - - -
jLdfÍLs 3f6fsf] n]vfÍg 46,911 11,690 26,733 8,488 30,723 30,722
cGo - - - - - -
hDdf 455,576 272,071 -23,041_ 521,278 168,102 1,393,985

%=@@=^ ;fdflhs pQ/bfloTj sf]if ;+l3o ;+/rgf adf]lhd ;fdflhs pQ/bfloTj sf]ifaf6 vr{
g]kfn /fi6« a}+saf6 Hff/L PsLs[t lgb]{zgsf] lgb]{zg
gDa/ ^ df ePsf] ;+:yfut ;fdflhs pQ/bfloTjsf] k|b]z ? k|ltzt
Joj:yf cg';f/ a}+sn] cfgf] v'b gfkmfsf] ! k|ltzt of] k|b]z ! 5,381,583 28Ì
jif{ ;fdflhs pQ/bfloTj lqmofsnfksf] nflu /fv]sf] db]z k|b]z 2,802,933 14Ì
lyof] . ;fdflhs pQ/bfloTjsf] nflu ljlgof]lht /sd afudtL k|b]z 7,825,919 40Ì
u08sL k|b]z 970,744 5Ì

of] jif{ / ut jif{sf] u/L qmdzM ? $@,!$(,@&) /
n'lDagL k|b]z 733,299 4Ì
? #@,%*(,#$% 5 .
s0ff{nL k|b]z 346,714 2Ì
/sd ? xhf/df ;'b'/ klZrd k|b]z 1,388,748 7Ì
;'?jflt /sd 33,584 hDdf 19,449,940 100’
sf]ifaf6 /sdfGt/ 42,149
jif{e/Lsf] vr{ 19,450
clGtd /sd 56,283
%=@# ljbf / pkbfgsf] nflu ljlgof]lht jLdf°Ls /sdsf] v'nf;f

/sd xhf/df
o; jif{ ut jif{
ljj/0f
pkbfg labf pkbfg labf
Present Value d"Nodf kl/jt{g
jif{sf] ;'?jftdf /x]sf] bfloTjsf] Present Value 128,556 173,009 141,155 159,561
jt{dfg ;]jf vr{ 21,888 29,800 30,226 48,938
Jofh vr{ 10,284 13,841 12,169 13,216
nfe e'QmfgL 30,888 61,352 11,899 25,429
jLdfÍLs gfkmf÷3f6f 25,172 62,153 35,666 13,192
cfly{s jif{ cGTodf /x]sf] bfloTj 155,013 217,451 207,317 183,094
;DklQ of]hgfsf] Fair Value df ePsf] kl/jt{g df ePsf] kl/jt{g

jif{sf] ;'?jftdf ;DklQ of]hgfsf] Fair Value 139,138 184,385 141,155 196,088
Planned Assets df jLdfÍLs gfkmf÷3f6f 5,552 7,357 2,288 2,777
Jofh cfDbfgL 11,131 14,751 12,169 16,504
sd{rf/Lsf] of]ubfg - - - -
nfe e'QmfgL 30,888 61,352 11,899 25,429
jif{sf] cGTodf ;DklQ of]hgfsf] Fair Value 113,829 130,427 139,137 184,386
SOFP df klxrfg ul/Psf] /sd

jif{sf] cGTodf bfloTjsf] Present Value 155,013 217,451 207,318 183,095
jif{sf] cGTodf ;DklQ of]hgfsf] Fair Value 113,829 130,427 139,138 184,385
sf]if gePsf] l:ylt 41,183 87,024 68,180 -1,290_
176
%=@$ Reconciliation of Reversal of Interest Income %=@^ sf]le8 ;Fu ;DalGwt ;'lawf
as per “Guideline on Recognition of Interest
g]kfn /fi6« a}+s k'g/shf{ sfo{ljlw / g]kfn /fi6« a}+s
Income”
lgb]{lzsf g+ @ cg';f/ a}+sn] k'g/shf{sf ;fy} ljleGg
a}+sn] “Guideline on Recognition of Interest Income” ;'lawf k|bfg u/]sf] 5 .
sf] cfwf/df shf{ tyf ;fk6Lsf] Jofh cfDbfgLsf]
n]vfÍg u5{ . a}+sn] ? ^,@^@,!&) Jofh cfDbfgL ljj/0f cf j @)&*÷&( df
recognized u/]sf] 5 . pQm /sd tLg dlxgf b]lvsf]
u|fxs ;+Vof /sd ?
aSof}tf ;Ffjf / Jofh ;DalGwt /x]sf] 5 h;sf] lwtf]af6
k'g/shf{ 1,662 5,227,764,978
k|fKt d"No ;Ffjf / Jofh eGbf sd /x]sf] 5 . Business Continuity Loan - -
cfly{s jif{ ?
sfo{ljlwsf] ;x'lnot shf{sf] nflu ;x'lnot Jofh
2075/76 11,809,920
2076/77 10,647,270
PsLs[t sfo{ljlw, @)&^ cg'?k a}+sn] Jofh ;x'lnot
2077/78 18,647,588
k|bfg u/]sf] 5 .
2078/79 6,262,170
hDdf Suspended Accrued Jofh k|fKo 34,842,608 ljj/0f cf j @)&*÷&( df

u|fxs ;+Vof /sd ?
;x'lnot shf{ 3,484 16,212,705,519
%=@% k'g:yf{kgf cj:yf
s"n /sd 8]la6 / qm]l86 /sdsf] hDdf xf] . leGgtf
klg n]vf°g, lx;faldnfg ul/Psf] 5 / cfjlws ?kdf
;dLIff ul/Psf] 5 .
/sd ? xhf/df
ljj/0f hDdf <# <# >^ <^ >!@ <!@
/sd dlxgf dlxgf dlxgf dlxgf
zfvf k'g{:yfkgf z"Go z"Go z"Go z"Go z"Go
Ph]G;L PsfpG^ 409,038 403,888 2,145 712.8 2,293
%=@& g]kfn /fi6« a}+ssf] sf]le8–!( ;DalGwt k|fjwfg ;+u cg'kfng
ljj/0f cf j @)&*÷&( df
u|fxs ;+Vof /sd ?
Accrued Interest Received after Asadh end 2079 till 15 Bhadra 2079 - -
Additional 0.3% Loan Loss Provision created on Pass Loan Portfolio - -
Extension of moratorium period of loan provided to Industry or Project under construction - -
Restructured/Rescheduled Loan with 5% Loan Loss Provision 337 207,372,158
Enhancement of Working Capital Loan by 20% to COVID aected borrowers - -
Enhancement of Term Loan by 10% to COVID aected borrowers - -
Expiry Date of Additional 20% Working Capital Loan (COVID Loan) extended for upto 1 year with 5% - -
provisioning
Expiry Date of Additional 10% Term Loan (COVID Loan) extended for upto 1 year with 5% - -
provisioning
Time Extension provided for repayment of Principal and Interest for upto two years as per clause 41 - -
of NRB Directives 2

%=@* tflnd vr{ ;DaGwL k|s6Ls/0f
g]kfn /fi6« a}s
+ af6 hf/L PsLs[t lgb]z { gsf] lgb]z
{ g
gDa/ ^ cg';f/ a}s + n] cl3Nnf] jif{sf] s"n sd{rf/L
vr{sf] # k|ltzt /sd sd{rf/Lsf] tflnd / JolQmTj
ljsf;df vr{ ug'k{ g]{ Joj:yf 5 . cfly{s jif{df a}s
+ sf]
ljleGg afx|o / cfGtl/s tflndsf] vr{ o; k|sf/ /x]sf]
5M
cfly{s jif{ ?
cfly{s jif{ @)&&÷&* df s"n sd{rf/L vr{ 2,084,483,078
dflysf] /sdsf] # k|ltzt 62,534,482
jif{e/Ldf ul/Psf] vr{ -afx\o / cfGtl/s tflnd_ 118,602,949
178
;xfos sDkgL
Pg cfO{ ;L Plzof Soflk6n lnld6]8sf]
jflif{s ljj/0f

5}7f}+ jflif{s ;fwf/0f ;efdf k|:t't ;+rfns ;ldltsf] k|ltj]bg
cfly{s jif{ @)&*÷)&(
;+rfns ;ldltsf] tkm{af6 cWoIfHo"sf] k|ltj]bg
cfb/0fLo z]o/wgL Pg cfO{ ;L Plzof a}s

+ lnld6]8sf k'lu;s]sf] 5 . ;Lldt Joj;flos cj;/sf lar a9\bf]
k|ltlglw Pj+ pkl:yt dxfg'efjHo'x?, k|lt:kwf{sf] r'gf}ltdfem o; Soflk6n ;+rfngdf cfPsf] klxnf]
cfly{s jif{ b]lv g} nfef+z ljt/0f ug{ ;kmn ePsf] lyof] .
Pg cfO{ ;L Plzof Soflk6n lnld6]8sf] 5}7f}+ jflif{s ;fwf/0f Soflk6nn] xfn;Dd lgDg cg';f/ nfefFz ljt/0f ug{ ;kmn
;efdf pkl:yt ;a}nfO{ ;+rfns ;ldltsf] tkm{af6 ePsf] 5 .
xflb{s :jfut tyf clejfbg ub{5' .
cfly{s jif{ nfef+z b/
Pg cfO{ ;L Plzof Soflk6n lnld6]8, Pg cfO{ ;L Plzof a}s + @)&#÷)&$ @ k|ltzt -s/ ;lxt_
lnld6]8sf] ;t\ k|ltzt nufgLdf :yfkgf ePsf] ;xfos @)&$÷)&% & k|ltzt -s/ ;lxt_
sDkgL xf] . o; ;+:yfn] :yfkgfsf] 5f]6f] cjlwd} Ps ;Ifd, @)&%÷)&^ !! k|ltzt -s/ ;lxt_
k|ultlzn / ultlzn ;+:yfsf] 5lj agfO{ ;j{;fwf/0fdf ulx/f] @)&^÷)&& !* k|ltzt -s/ ;lxt_
5fk sf]g{ ;kmn ePsf] 5 . cfw'lgs k|ljlwsf] cg'z/0f u/L @)&&÷)&* $* k|ltzt -s/ ;lxt_
;j{;n' e ?kdf dr]0{ 6 a}l+ sË ;]jf pknAw u/fO{ pQm If]qdf
g]kfnsf] Ps g]tT[ jbfoL e'ldsf lgefpg ;Ifd o; Pg cfO{ ;L Soflk6nn] cfly{s jif{ @)&*÷)&( df dfq} !(@,^)( j6f
Plzof Soflk6nn] ;dLIff cjlwdf Ps 7f]; / ulj{nf] ;kmntf lxtu|fxL vftf tyf !&%,)@( j6f d]/f] z]o/ vftf vf]nL
xfl;n ug{ ;kmn ePsf] 5 . P]ltxfl;s ;kmntf xfl;n u/]sf] 5 . cf=j=@)&*÷)&( sf]
cfiff9 d;fGt;Dd Soflk6nsf] lxtu|fxL vftf ;+Vof %((,()(
cfkm\gf] Joj;fo lj:tf/df lnPsf] /0fgLlt tyf ;f]sf] ;kmn k'¥ofO{ !!=#^ k|ltzt ahf/ lx:;f cf]u6]/ *! j6f lgIf]k
sfof{Gjogn] ;dLIff cjlwdf ;+:yfn] Ps gofF prfO{ xfl;n ;b:o sDkgLx? dWo] klxnf] :yfgdf cf]u6\g xfdL ;kmn
ug{ ;kmn ePsf] 5 . ;+:yfn] ;dLIff cjlwdf u/]sf] pTs[i6 ePsf 5f}+ . :yfkgfsf] % jif{d} ;+:yfn] xfl;n u/]sf] of] pknlAw
k|utL o; ul/dfdo ;efdf k|:t't ug{ kfpg' d]/f] nflu Ps jf:tjd} Ps dfxfg pknlAw xf] .
ljlzi6 cj;/sf] ?kdf d}n] lnPsf] 5' . d o; uf}/jdo /
pNnf;k'0f{ cj;/df oxfFx? ;dIf Pg cfO{ ;L Plzof Soflk6n cf=j= @)&*÷&( sf] cGt;Dddf z]o/ /lhi6«f/sf] ;]jf k|bfg
lnld6]8n] cf=j= @)&*÷)&( df ljleGg cfofdx?df u/]sf] ug]{ sDkgLx?sf] ;+Vof !# k'us ] f] 5 . ;dLIff cjlwdf
k|utL ljz]if tj/af6 xfl;n ljlzi6 kl/0ffdsf] k|ltljDa lgisfzg tyf laqmL k|aGws ;]jf tkm{ Odlh{Ë g]kfn lnld6]8,
/x]sf] tYo cjut u/fpg rfxG5' . Pg cfO{ ;L Plzof km]nS] ;L Sofk km08 tyf ^ j6f sDkgLsf]
;+:yfks ;d"xsf] z]o/ af]nsaf]n dfkm{t laqmL u/]sf] ;d]t
ca, d pkl:yt dxfg'efjx?df ;dLIff jif{df b]zdf dr]0{ 6 u/L * j6f sDkgLsf] lgisfzg tyf laqmL k|aGwssf] sfd
a}l+ sË Joj;fosf] cj:yf / o; sDkgLsf] cf=j=@)&*÷)&( ug{ xfdL ;kmn ePsf 5f}+ .
sf] sfo{;Dkfbgsf] ;dLIff tyf efjL of]hgfx?sf] lj:t[t ?kdf
k|:t't ub{5' . ;dLIff cjlwsf] cfiff9 d;fGt, @)&( ;Dddf nufgL
Joj:yfkg ;]jf cGtu{t æd]/f] nufgL, d]/f] eljioæ eGg] d"n
Pg cfO{ ;L Plzof Soflk6nsf] ;dLIff gf/fsf ;fy u|fxsd'vL gjLgtd\ of]hgfx? ;+rfng u/L %&#
ldlt @)&# ;fn kmfu'g @@ ut]bl] v ljlwjt ?kdf dr]0{ 6 hgf u|fxsx?af6 ?=! cj{ ^& s/f]8 eGbf a9L /sd ;+sng
a}l+ sË ;DaGwL sf/f]jf/ z'? u/]sf] o; ;+:yfn] ;kmntfk"js
{ u/L nufgL Joj:yfkg ;]jf pknAw u/fpg ;kmn ePsf 5f}+ .
s/Lj % jif{ / Ps q}df; k'/f u/]sf] 5 . xfd|f] Joj;fosf] h'g ut jif{sf] ;f]xL cjlwsf] t'ngfdf $*=@! k|ltztn] a[l4
z'?jftL r/0fdf !( a6f dr]0{ 6 a}s + /x? dfq ;+rfngdf xf] . lwtf]kqsf] bf]>f] ahf/ 36\bf] qmddf /x]sf] cj:yfdf
/x]sf]df xfn xfdL ;xLt dr]0{ 6 a}s + /x?sf] ;+Vof #) j6f pQm pknlAwnfO{ pT;fxfhgs dfGg ;lsG5 .
180
;dLIff cjlwdf Pg cfO{ ;L Plzof a}s + Do'rc' n km08 d'b|f:kmLlt b/ *=^ k|ltzt k'u]sf] 5 .
cGtu{tsf] ?= ! cj{ @ s/f]8 a/fa/sf] rf}yf] aGbd'vL of]hgf
Pg cfO{ ;L Plzof km]nS] ;L Sofk km08 ;+rfngdf Nofpg o; jif{ klg d'b|f:kmLlt b/df bafj kg]{ b]lvG5 . o'qm]g
;kmn ePsf] 5f}+ . v'nfd'vL of]hgf Pg cfO{ ;L Plzof / ?;aLr eO/x]sf] o'4sf] sf/0f k]6«f]lnod kbfy{sf]
8fOgflds 8]K6 km08df yk SIP / SWP of]hgf ;+rfng sRrf d'Nodf ePsf] a[l4n] ubf{ pTkfbg tyf cfk"lt{
ug{sf] nflu lwtf]kq af]8d{ f :jLs[ltsf] clGtd r/0fdf /x]sf] nfut a[l4 x'g k'u]sf] 5 . h;n] ubf{ ljsf;zLn tyf
5 . ;fy} ljlzi6Ls[t nfugL sf]if cGtu{t Private Equity/ pbodfg cy{Joj:yf ePsf b]zx?df emg d'b|f:kmLltb/
Venture Capital (PE/VC) ;]jf k|bfg ug{sf] nflu g]kfn a9L x'g] cfsng ul/Psf] 5 . ;du| ljZj cy{tGqdf
lwtf]kq af]8d{ f lgj]bg k]z ul/Psf] pQm sf]if ;+rfng ug{sf] pRr phf{ nfut, sd pkef]Qmf ljZjf; / hf/L cfk"lt{
nflu af]8a{ f6 lgl/If0f eO{ cg'dlt k|fKt ug]{ r/0fdf /x]sf] 5 . >[+vnf cj/f]w / a9\bf] nfutsf] kl/0ffd :j?k
ljZje/sf cy{tGqx? k|efljt ePsf 5g\ .
;dLIff cjlwdf Pg cfO{ ;L Plzof Soflk6n lnld6]8sf] ;du|
Joj;fosf] cfwf/df lgDg :yfg xfl;n ug{ ;kmn ePsf] 5 . -v_ l5d]sL b]zsf] cy{Joj:yf M
cGt/fli6«o d'bf| sf]if (IMF) n] @)@@ df ef/tsf] s'n
qm+= ;+= ljj/0f ;du|df l:ylt u|fÅ:y pTkfbg a[l4b/ &=$ k|ltzt / rLgsf] @=^
! lgIf]k ;b:o ;]jf tkm{ klxnf] :yfg k|ltztn] sld x'g] k|If]k0f u/]sf] lyof] . rLgdf sf]/f]gf
@ Do'r'cn km08 ;]jf tkm{ klxnf] :yfg dxfdf/Laf6 hghLjg k|efljt x'bF f clk|n @)@@ df
# z]o/ /lhi6«f/ ;]jf tkm{ cf7f}+ :yfg rLgsf] j:tfljs s'n u|fÅ:y pTkfbg bf]>f] q}df;df @=^
$ nufgL Joj:yfkg -lk=Pd=P;_ ;]jf tkm{ t]>f] :yfg k|ltztn] sdL cfPsf] 5 . ;fy} rLgdf 3/ hUuf
% lgisfzg tyf laqmL k|aGws ;]jf tkm{ cf7f}+ :yfg Joj;fodf a9\bf] ;+s6sf] sf/0fn] ubf{ 3/hUuf nufgLdf
gs/fTds c;/ k/]sf] 5 . rLgsf] 3/]n' pkef]u 36\b}
uPsf] / ns8fpgsf] sf/0f ;du| cfk"lt{ >[v + nfdf
!= ;du| cfly{s j[l4b/ ;d:ofsf sf/0f rLgdf cfPsf] dGbLsf] c;/ ljZje/
-s_ ljZj cy{tGq M kg]{ b]lvG5 . b'O{ 7'nf l5d]sL b]zsf] cy{tGqdf kg]{
cGt/fli6«o d'bf| sf]if (IMF) n] ;g\ @)@@ df ljZj k|efjsf] c;/ g]kfnsf] cy{tGqdf ;d]t kg]{ b]lvG5 .
cy{tGqdf #=@ k|ltztn] a[l4 x'gk] I| f]k0f u/]sf] lyof] .
h'g cGt/fli6«o d'bf| sf]if (IMF) n] @)@! df ck]lIft -u_ /fli6«o cfly{s ultljlwx? M
^=! k|ltztsf] a[l4b/ eGbf lgs} sd xf] . cGt/fli6«o sf]/f]gf dxfdf/Lsf] sf/0f b]zJofkL ?kdf sfod ul/Psf]
d'bf| sf]if (IMF) n] ljZj cy{tGq @)@! Dff ^=! aGbfaGbLsf] sf/0fn] ubf{ cfly{s jif{ @)&&÷)&* df
k|ltztn] a[l4 x'g] cg'dfg u/]sf] lyof]. cfly{s g]kfnsf] cy{Joj:yf @=!@ k|ltzt gs/fTds /x]sf]
s[ofsnfkx? ;':t x'bF f ;du| cfly{s a[l4b/df bjfj lyof] . cGt/fli6«o d'bf| sf]if (IMF) n] ;g\ @)@@
k/]sf] b]lvG5 . kl5Nnf] ;do ?; / o'qm]g aLrsf] df g]kfnsf] cy{tGqdf $=! k|ltztn] a[l4 x'gk] I| f]k0f
åGbsf] sf/0fn] emg ljZj ahf/df sRrf t]ndf ePsf] u/]sf] lyof] .
d"No a[l4n] ;du| pkef]Uo j:t'sf] d"No a[l4 ePsf] 5 .
kl5Nnf] ;do o'qm]g / ?; aLr eO/x]sf] 4G4sf] sf/0f
ljsl;t tyf ljsf;lzn b]zx?sf] cy{tGq ;g\ @)@@ k]6f« l] nod kbfy{df cfPsf] d"No a[l4sf] sf/0f cfoft ug]{
df lu/fj6 cfpg] k"jf{g'dfg ul/Psf] 5 . ljz]if u/L a:t'sf] ahf/ d'No a[l4 x'g k'us ] f] 5 . kmn:j?k
pbodfg b]z rLgsf] cy{Joj:yf sf]/f]gf dxfdf/Lsf d'bf| :kmLltb/ a[l4 x'g k'us
] f] 5 . cfly{s jif{ @)&*÷)&(
sf/0f g/fd|f];+u k|efljt ePsf] b]lvG5 . sf]/f]gf df g]kfnL cy{Joj:yf hDdf $=! k|ltztn] a[l4 ePsf]
dxfdf/Lsf] aLr sf]le8 EoflS;gsf] pknAwtf ;+u} 5 . sf]/f]gf dxfdf/Lsf] sf/0fn] cfly{s lqmofsnfkx?
lj:tf/} ljZj cy{Joj:yf rnfodfg x'b} uPsf] cj:yfdf 7Kk /x]sf] x'gfn] cfly{s a[l4b/df sdL cfPsf] b]lvG5 .
?; / o'qm]g aLrsf] åGbn] ubf{ k"gM cfly{s b'O{ c+ssf] cfly{s a[l4b/ sfod ug{sf] nflu sf]/f]gf
lqmofsnfkx?df gs/fTds k|efj kg{ uO{ ljZje/Lg} dxfdf/Lsf] cGTo ;Fu} g]kfn ;/sf/n] cfly{s gLltdf
d'b|f:kmLlt a9]/ uPsf] 5 . d'b|f:kmLlt b/ cd]l/sfdf (=! ;d;fdlos ;'wf/ ub}{ n}hfg' kg]{ b]lvG5 . cfoftnfO{
k|ltzt, o'=s]=df (=! k|ltzt /x]sf] 5 . h'g ljut $) lg?T;flxt ul/ lgof{tnfO{ k|fT] ;fxg ug]{ gLlt sfo{Gjog
jif{df klxnf] k6s k'u]sf] xf] eg] o'/]lkog b]zdf ;d]t ub}{ n}hfg' kg]{ b]lvG5 . j}bl] zs nufgLnfO{ cfslif{t

ug{sf] nflu cfjZos gLlt÷lgod th'd{ f ul/ ug'k{ g]{ tyf ;+:yfx?nfO{ cfjZos kg]{ s[lif hGo ;fdu|L, dn,
;Dk'0f{ k|lsofx?nfO{ Ps4f/ k|0ffnL dfkm{t ug{ ldNg] aLp, tflnd, l;+rfO{ tyf cfjZos cg'bfg cflbsf]
Joj:yf ldnfpg' kg]{ b]lvG5 . xfd|f] cy{tGqdf s[lif Joj:yf u/]sf] cj:yfdf dfq b]zsf] pRr cfly{s a[l4
If]qsf] of]ubfg a9L ePsf] x'bF f o; If]qdf ;+nUg JolQm x'gd] f yk 6]jf k'Ug] b]lvG5 .
GDP over time

2500000 8.98% 10.00%
7.62%
6.66%
Millions
8.00%
2000000 6.01%
4.82% 6.00%
4.44% 3.98%
3.42% 3.53%
1500000 4.00%
2.00%
1000000
0.43% 0.00%
500000
-2.00%
-2.09%
0 -4.00%
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
GDP GDP-Growth
Ref: World Bank
@= k"h
F L ahf/
5g\ . of] /sd ut cf=j= @)&&÷)&* sf] t'ngfdf
-s_ k|fylds ahf/M %@=%$ k|ltztn] sdL xf] . ;fy} pQm cjlwdf ?=$=&(
g]kfn lwtf]kq af]8n{ ] cfly{s jif{ @)&*÷)&( df hDdf cj{ a/fa/sf] xsk|b z]o/ lgisfzgsf] nflu !! j6f
@* j6f sDkgLsf] ?= &=@ cj{ a/fa/sf] k|fylds sDkgLnfO{ cg'dlt k|bfg u/]sf] 5 . To:t} pQm cjlwdf
z]o/sf] ;fj{hlgs lgisfzg ug{ cg'dlt k|bfg u/]sf] !) j6f a}s+ tyf ljQLo ;+:yfn] ?= !@=$* cj{ l8a]Gr/
5 . pQm ;a} sDkgLx?n] g} ;j{;fwf/0fdf z]o/ lgisfzg lgisfzgsf] cg'dlt k|bfg u/]sf] 5 . h;sf] lj:t[t
u/L ?= &=@ cj{ a/fa/sf] /sd ;+sng ul/;s]sf ljj/0f tn tflnsfdf k|:t't ul/Psf] 5 .
/sd ? cj{df
ljj/)f 2074Œ75 2075Œ76 2076Œ77 2077Œ78 2078Œ79
;+Vof /sd ;+Vof /sd ;+Vof /sd ;+Vof /sd ;+Vof /sd
k|fylds ;fj{hlgs lgisfzg @! *=#) @* &=#% ( #=(( @@ !%=!& @* &=@

xsk|b z]o/ lgisfzg %% @%=&) !( %=** !! $=$! & !$=)$ !! $=&(
yk ;fj{hlgs lgisfzg ^ !!=%! – – – – – – – –
;fd"lxs nufgL sf]if lgisfzg $ $=*) ^ ^=%% @ !=* ( (=$ & ^=(
C0fkq tyf l8a]Gr/ gisfzg ! #=)) !! (=)@ !@ @#=$% @# @#=)$ !) !@=$*
hDdf *& %)=#! ^$ @*=*) #$ ##=^% ^! ^!=^% %^ #!=#&
182
-v_ bf]>f] ahf/ M pbosf sf/0f z]o/ jhf/df r'gf}tLk"0f{ ofqfsf] cg'ej
;du|df cfly{s jif{ @)&*÷&( df g]K;] kl/;"rs ul//x]sf] 5 . sf]le8sf] k"g df/df k/]sf] ljZj cy{tGq
36\bf]qmddf /x]sf] lyof]. cfly{s jif{sf] ;'?jftdf o'qm]g / ?; aLr rn]sf] 8/nfUbf] o'4n] ljZje/ t]n,
@**#=#* c+sdf /x]sf] g]K;] kl/;"rs !*$*=@* sf] Uof; nufot vfBGg cfk'lt{ g/fd|f] ;+u k|efljt ePsf]
Go"g laGb'df k'uL cfiff9 d;fGt, @)&( df @))(=$^ 5 . a9\bf] d'b|:kmLltsf] bafjsf] ;fdgf ug{ ljZje/sf
sfod /x]sf] lyof] . ;du|df g]K;] kl/;"rs #)=#! s]Gb|Lo a}+sx? cfS|mds ?kdf Aofhb/ a[l4 ub}{ uO/x]sf]
k|ltztsf] 7'nf] lu/fj6 cfPsf] 5 . h'g g]K;]sf] Oltxf;df 5g\ . h;n] ubf{ ljZj z]o/ ahf/ g} k|efljt ePsf] 5
;a}eGbf 7'nf] lu/fj6 cfPsf] jif{ xf] . eg] g]kfndf ;d]t a9\bf] d'b|f:kmLlt tyf pRr cfoftsf]
sf/0f ahf/df pRr t/ntf cefj eO{ a}+s tyf ljQLo
;dLIff cjlwdf g]K;]df ;"lrs[t x'g] z]o/x?sf] ;+Vofdf ;+:yfx?n] lgIf]ksf] Aofhb/ bf]xf]/f] c+sdf k'¥ofpbf
a[l¢ eO{ ;"lrs[t x'g] sDkgLsf] ;+Vof @#$ k'u]sf] 5 . ;f]sf] l;wf c;/ g]K;]df k/]sf] b]lvG5 .
g]kfn :6s PS;r]Ghn] NofPsf] cgnfO{g k|0ffnLsf]
k|efjsfl/tf a9\b} hfg', k|fylds lgisf;g ePsf] cfly{s jif{ @)&*÷)&( df jf:tljs If]qsf
z]o/x?df dfu eGbf cTolws dfqdf cfj]bg kg'{, gofF sDkgLx?n] a's lalN8Ë ljlwaf6 cfO{ lk of] lgisfzg
nufgLstf{x? ahf/ k|lt cfslif{t x'Fb} hfg' tyf sf/f]jf/ k|lqmofdf kxn u/]sf lyP . olb jf:tfljs If]qsf
ePsf] z]o/ tyf /sdsf] ;xh ?kdf /fkm;fkmsf] sDkgLx?nfO{ ;xh} ?kdf a's ljlN8Ë ljlw dfkm{t
Joj:yf ul/Psf] h:tf ;'ljwfn] cfufdL lbgx?df gofF ;j{;fwf/0fdf z]o/ hf/L ug]{ Joj:yf ldnfpg ;s]
nufgLstf{x?df z]o/ ahf/ k|lt cfsif{0f a9\g] b]lvG5 . cfufdL lbgdf lwtf]kq ahf/ yk lj:tf/ x'g] b]lvG5 .
;dLIff cjlwdf k"FhL ahf/sf] k|lts'n jftfj/0fsf]
ljj/)f cfly{s jif{

2074Œ75 2075Œ76 2076Œ77 2077Œ78 2078Œ79
;"lrs[t sDkgLx?sf] ;+Vof 196 213 212 219 234
;"lrs[t sDkgLx?sf] r'Qmf k"FhL 352.09 418.87 473.39 572.93 667.75
s'n sf/f]jf/ lbg 233 246 182 223 239
ahf/ kF"hLs/0f -?=ca{df_ 1,435.14 1,567.50 1,792.76 4,010.74 2,869.34
g]K;] ;"rsfÍ 1,212.36 1,259.01 1,362.35 2,883.38 2,009.46
g]K;] nf]6 ;"rsfÍ 87.15 92.43 95.47 178.78 139.37
g]K;] ;]G;]l6e ;"rsfÍ 255.2 271.25 288.25 541.31 385.91

-u_ g]kfnsf] z]o/ ahf/sf] l:ylt M z]o/ hf/L ug{sf] nflu k|fT] ;fxg ug]{ of]hgf th'd{[ f ub}{
;dLIff cjlwdf z]o/ ahf/df 7'nf] lu/fj6 cfPsf] 5 . hfg', ljsf; a}s + tyf kmOgfG; sDkgL / n3'ljQ
;dLIff cjlwdf g]K;] kl/;"rs #) k|ltzt eGbf al9sf] sDkgLx?n] l8a]Gr/ lgisfzg ug{ ;Sg] gLltut Joj:yf
lu/fj6 cfO{ ;du| ahf/ !*)^ sf] Go"g ljGb';Dd cfO{ x'g,' hgtfsf] hnljB't sfo{qmd cGtu{tsf hnljB't
cfiff9 d;fGt, @)&( df @))(=$^ ljGb'df aGb ePsf] sDkgLx?sf] ;fwf/0f z]o/ lgisfzg ug]{ sDkgLx?
lyof] . g]K;]sf] Oltxf;df ;a}eGbf pRr ljGb' #@@& c+s afFsL /xg', lwtf]kq af]8n{ ] a's laN8LË ljlwaf6 ;d]t
/x]sf] 5 . g]kfn /fi6« a}s
+ n] d}lb|s gLltdf z]o/ ahf/nfO{ ;j{;fwf/0fdf z]o/ hf/L ug]{ k|lqmof ;'? x'g' tyf ljleGg
k|ToIf k|efj kg]{ gLltut Joj:yf u/]sf] sf/0fn] ;d]t ;]jf d'ns / pTkfbg d'ns sDkgLx?n] ;j{;fwf/0fdf
g]K;] kl/;"rs 36\g yk bjfj k/]sf] b]lvG5 . ;dLIff z]o/ hf/L ug{sf] nflu cu|;/ x'bF f cfpg] lbgdf ;du|
cfjlwdf cfly{s ultljlwdf cfPsf] sdL, ahf/df Soflk6nsf] Joj;fo a9\g] b]lvG5 .
nufgL of]Uo /sdsf] cefj tyf a}s + tyf ljQLo
;+:yfx?n] art tyf d'4ltdf a9fPsf] Aofhb/sf] $= Pg cfO{ ;L Plzof Soflk6nsf] k|lalw M
sf/0fn] ubf{ sf/f]j/ /sddf ;d]t sdL cfPsf] 5 . cfhsf] o'udf ;"rgf tyf k|ljlw k|lt:kwf{Tds kmfObf
;dLIff cjlwdf ;/sf/n] ljleGg gLltx?sf] dfWodaf6 yKg] sf/s ePsf] b]lvG5 . xfdLn] o; sf/snfO{ :jLsf/
;du| cfly{s cj:yf ;'wf/ ug]{ k|of; u/] klg To;sf] u/L xfd|f] k|lt:kwf{Tds nfenfO{ cem dha't agfpg /
k|efj z]o/ ahf/df TotL k/]sf] b]lvPg . o; afx]s, sfd ug]{ nfut / ;do 36fpg ;"rgf k|ljlw Plss[t
cgnfOg 6«l] 8Ë k|0fflndf cfj4 nufgLstf{x?sf] ug{ ;Defljt ;a} tl/sfx¿sf] ljZn]if0f u/]sf 5f}+ .
;xefuLtf a9\b} hfg', z]o/ sf/f]jf/sf] /sd e'QmfgL xfdLn] df}lns ljZn]if0f / k|fljlws ljZn]if0f b'a} df}lns
cgnfOg dfkm{t ug{ Joj:yf ldnfpg', lwtf]kq bnfn ¿kdf ;a} eGbf /fd|f] l:qmK6, ;+st] , z]o/ d"No klxrfg
dfkm{t dflh{g 6«l] 8Ë ;'ljwf k|bfg ug'{ h:tf sf/0fn] ug{ l;:6d PS; (System X) ;6j]o/ h8fg u/]sf
lwtf]kq ahf/ lj:tf/ x'bF } uPsf] b]lvG5 . 5f}+ . sf]/f]gf dxfdf/Laf6 Soflk6nsf] Joj;fonfO{
lg/Gt/tf lbg aGbfaGbLsf] ;dob]lv g} Soflk6naf6
o;sf ;fy} ;/sf/n] lgs6 eljiodf u}/cfj;Lo k|bfg ul/g] ;]jfnfO{ cgnfO{g tyf ljB'lto dWodaf6
g]kfnLnfO{ k"FhLahf/df nufgL ug{sf] nflu v'Nnf pknAw u/fpg] Joj:yf ldnfPsf] 5 . cgnfO{g dfkm{t
ug]{, a}+sx?nfO{ a|f]s/sf] O{hfhtkq, gofF Do'r'cn l8Dof6 tyf d]/f] z]o/ vftf vf]Ng ;lsg] / cgnfO{g
km08x?sf] ahf/ k|j]z, lwtf]kq l8n/sf] ?kdf sfo{ dfkm{t g} nufgL Joj:yfkg tyf v'nfd'vL of]hgfsf]
ug{ yk sDkgLx? ;+rfngdf cfpg] k|s[ofdf /xg', OsfO{ vl/b ug{ ;lsg] Joj:yf ldnfPsf] 5 . Soflk6nsf]
dfs]{6 d]s/sf] nflu ;/sf/L txaf6} cfjZos kxn b}lgs k|zf;lgs sfo{ ljB'lto dfWodaf6 u/fpg
x'g', a's laN8LË ljlw dfkm{t k|fyflds z]o/ lgisfzg O{cf/kL (ERP) sfof{Gjog ul/;s]sf 5f}+ . O{cf/kL
ug{ ;'? x'Fg tyf z]o/ sf/f]jf/Lsf] ;+Vof lbg k|ltlbg (ERP) sfof{Gjogsf] dfWodaf6 xfdL dha't, cToflws
a9\b} hfg' h:tf sf/0fn] ubf{ cfufdL lbgdf z]o/ ahf/ s'zn / sfuhtlaxLg sfd ug]{ nIo lnPsf 5f}+ . h;n]
;sf/fTds af6f]df hfg] cg'dfg ug{ ;lsG5 . ubf{ cfufdL lbgdf sf]/f]gf nufot cGo o:t} lsl;dsf
dxfdf/Lsf] ;dodf 3/af6 ;d]t sfd ug{ ;lhnf] x'g]
#= dr]0{ 6 a}l+ s· pBf]u tyf sDkgLnfO{ k|efj kfg]{ tTjx? M u/L cfjZos k|ljlwsf] ljsf; u/]sf 5f}+ . Soflk6nn]
o; k|ltj]bg tof/L ubf{ g]kfn :6s PS;r]Gh lnld6]8df k|bfg ug]{ ;Dk"0f{ ;]jfx?sf] hfgsf/L Soflk6nsf]
@#$ sDkgL ;"rLs[t 5g\ . h'g ut jif{ @!( /x]sf] lyof] . j]e;fO{6 dfkm{t hfgsf/L u/fpg] tyf u|fxsx?sf]
;dLIff cjlwdf g]kfn :6s PS;r]Ghdf ;"lrs[t x'g] u'gf;f ;dwfgsf] nflu AI based CHATBOT k|0fflnsf]
sDkgLx?sf] ;+Vof a[l4 ePsf] 5 . g]kfn ;/sf/n] ?=%) ljsf; ug]{ Joj:yf ldnfO{g] 5 . ;fy} cfufdL lbgdf
s/f]8 jf ;f] eGbf a9L k"hF L ePsf tyf jflif{s ?= ! cj{ Soflk6naf6 k|bfg ul/g] ;Dk"0f{ ;]jfx?nfO{ k"0f{ ?kdf
eGbf a9L s/f]jf/ ug]{ sDkgLx?nfO{ ;d]t ;j{;fw/0fdf l8lh6nfO{h ub}{ hfg] /0fgLlt lnPsf 5f}+ .
184
sDkgL P]g, @)^# sf] bkmf !)( sf] pkbkmf $
cg';f/sf] ljj/0f
!= cfly{s jif{ @)&*÷)&( df sDkgLsf] sfo{;Dkfbgsf] qm+= ;+= sDkgLsf] gfd

l;+xfjnf]sg M !! >L Odlh{Ë g]kfn lnld6]8
o; sDkgL k|rlnt sDkgL P]g, adf]lhd ldlt @)&# !@ >L ;f/f g]kfn lnld6]8
;fn h]i7 @ ut] g]kfn ;/sf/, sDkgL /lhi6«f/sf] !# >L rf68{ Soflk6n lnld6]8
sfof{nodf btf{ ePsf] xf] . lwtf]kq Joj;foL -dr]{06
a}+s/_ lgodfjnL, @)^$ cg';f/ ldlt @)&# ;fn
kmfu'g * ut] dr]{06 a}+lsË Joj;fo ;DaGwL sf/f]jf/ cfly{s aif{ @)&*÷)&( sf] cGTo;Dd o; sDkgLn]
ug{ Ohfht k|fKt u/L ldlt @)&# ;fn kmfu'g @@ lgisfzg tyf laqmL k|aGws ;]jf ;DaGwL sfo{ u/]sf
ut]b]lv ljlwjt ?kdf dr]{06 a}+lsË ;DaGwL sf/f]jf/ sDkgLx?sf] ljj/0f M
k|f/De u/]sf] xf] .
qm+=;+= sDkgLsf] gfd s}lkmot
! >L Pg cfO{ ;L Plzof gljs]sf] xsk|b af]nsaf]n
Soflk6nsf] l:ylt M
a}s
+ lnld6]8 4f/f laqmL ug{
;dLIff cjlwdf Pg cfO{ ;L Plzof Soflk6n lnld6]8sf]
@ >L k|8' l] G;on OG:of]/G] ; xsk|b z]o/ lgisfzg
;du| Joj;fosf] cfwf/df lgDg :yfg xfl;n ug{ ;kmn sDkgL lnld6]8
ePsf] 5 . # >L ;"of{ nfOkm OG:of]/G] ; sDkgL xsk|b z]o/ lgisfzg
lnld6]8
qm+= ;+= ljj/0f ;du|df l:ylt $ >L k|8' l] G;on OG:of]/G] ; sDkgL gljs]sf] xsk|b af]nsaf]n
! lgIf]k ;b:o ;]jf tkm{ klxnf] :yfg lnld6]8 4f/f laqmL ug{
@ Do'r'cn km08 ;]jf tkm{ klxnf] :yfg % >L ;"of{ nfOkm OG:of]/G] ; sDkgL gljs]sf] xsk|b af]nsaf]n
# z]o/ /lhi6«f/ ;]jf tkm{ cf7f}+ :yfg lnld6]8 4f/f laqmL ug{
$ nufgL Joj:yfkg -lk=Pd=P;_ ;]jf tkm{ t]>f] :yfg ^ >L cf/De dfOqmf]kmfOgfG; ;fj{hlgs lgisfzg
% lgisfzg tyf laqmL k|aGws ;]jf tkm{ cf7f}+ :yfg ljQLo ;+:yf ln=
& >L :jb]zL n3'ljQ xsk|b z]o/ lgisfzg
ljQLo ;+:yf lnld6]8
cfly{s aif{ @)&*÷)&( sf] cGTo;Dd o; sDkgLn] * >L :jb]zL n3'ljQ gljs]sf] xsk|b af]nsaf]n
z]o/ /lhi6«]zg ;DaGwL sfo{ u/]sf sDkgLx?sf] ljQLo ;+:yf lnld6]8 4f/f laqmL ug{
ljj/0f M ( >L Pg cfO{ ;L Plzof u|fy] km08 ;fj{hlgs lgisfzg
;dLIff cjlwdf Soflk6nn] ;fd"lxs nufgL sf]if ;lxt !) >L Pg cfO{ ;L Plzof Aofn]G;8\ ;fj{hlgs lgisfzg
!# j6f sDkgLx?sf] z]o/ /lhi6«f/sf] ;]jf k|bfg ub{} km08
cfO/x]sf] 5 . h'g ;dsfnLg dr]{G6 a}s/x?sf] t'ngfdf !! >L ;flgdf hg/n OG:of]G; ;fj{hlgs lgisfzg
pQm ;+Vof pT;fxhgs dfGg ;lsG5 . lnld6]8
!@ >L Pg cfO{ ;L Plzof ;fj{hlgs lgisfzg
l;=g+= sDkgLsf] gfd 8fOgflds 8]K6 km08
! >L Pg cfO{ ;L Plzof a}+s lnld6]8 !# >L ;flgdf a}s + l8j]Gr/, @)*& ;fj{hlgs lgisfzg
@ >L Pg cfO{ ;L Plzof n3'laQ ljQLo ;+:yf lnld6]8 !$ >L Pg cfO{ ;L Plzof ;]nS] 6–#) ;fj{hlgs lgisfzg
# >L Pg cfO{ ;L Plzof u|f]y km08 OG8]S; km08
$ >L Pg cfO{ ;L Plzof Aofn]G;8\ km08
% >L ;"of{ nfO{km OG:of]/]G; sDkgL lnld6]8
^ >L Pg cfO{ ;L Plzof km]n]S;L Sofk km08
& >L tf/fufFp l/h]G;L xf]6N; lnld6]8
* >L Hof]lt nfO{km OG:of]/]G; sDkgL lnld6]8
( >L Pg cfO{ ;L Plzof 8fOgflds 8]K6 km08
!) >L Pg cfO{ ;L Plzof ;]n]S6–#) OG8]S; km08

qm+=;+= sDkgLsf] gfd s}lkmot lgisfzgsf] k|so[ fdf /x]sf sDkgLx?sf] ljj/0f M
!% >L Pg cfO{ ;L Plzof Pg cfO{ ;L Plzof a}s + lnld6]8sf] qm+=;+= sDkgLsf] gfd s}lkmot
a}s
+ lnld6]8 :jfldTjdf /x]sf] Plzof nfO{km
! >L a}l+ sË kmfOgfG; P08 ;fj{hlgs lgisfzgsf] nflu
OGof]/G] ; sDkgL lnld6]8, dx'nL
OG:of]/G] ; OlGi6Ro"6 ckm g]kfn lwtf]kq af]8d{ f btf{
;fd'bflos n3'ljQ ljQLo
g]kfn ln= ul/Psf] .
;+:yf lnld6]8, g]zgn nfO{km
OG;of]/G] ; sDkgL lnld6]8, ;"of{ @ >L Pg cfO{ ;L Plzof
nfO{km OG:of]/G] ; sDkgL lnld6]8, u|fy] km08 @
l;l6hG; OGe]i6d]06 6«i6, d]/f]dfO{qmf] # >L e"uf]n Oglh{ 8]enkd]06
kmfOGgf; n3'ljQ ljQLo ;+:yf sDkgL lnld6]8
lnld6]8 / cf/Pd8L;L n3'ljQ $ >L d]lG5ofd xfO8«fk] fj/ lnld6]8
ljQLo ;+:yf lnld6]8sf] z]o/ % >L lxd:6f/ xfO8«fk] fj/
af]nsaf]n k|so[ faf6 laqmL ul/Psf] . sDkgL lnld6]8 ;j{;fwf/0f z]o/ lgisfzg
!^ >L Odlh{Ë g]kfn lnld6]8 ;fj{hlgs lgisfzg ^ >L ck/ nf]xf]/] vf]nf ug]{ ;DaGwL
!& >L Pg cfO{ ;L Plzof ;fj{hlgs lgisfzg xfO8«fk] fj/ lnld6]8
km]nS] ;L Sofk km08 & 8f]NtL xfO8«fk] fj/ sDkgL lnld6]8
!* >L Zofd axfb'/ kf08] >L Zofd axfb'/ kf08]sf] * n'k g]6js{; lnld6]8
:jfldTjdf /x]sf] lk|ldod OG:of]/G; ;+:yfut k/fdz{ ;]jf ;lxt
( a'4 gu/ Pu|f] kmd
sDkgL lnld6]8 ;+:yfks ;d"xsf] ;fwf/0f z]o/ lgisfzg .
!) ;f/f g]kfn lnld6]8
z]o/ af]nsaf]n k|so[ faf6 laqmL
!! ld8 ;f]n' xfO8«fk] fj/ lnld6]8
ul/Psf] .
!@ kz'klt OGefO{/f]dG] 6n kfj/ ;+:yfut k/fdz{ ;]jf ;lxt
!( >L k'8| l] G;on OG:of]/G] ; k'8| l] G;on OG:of]/G] ; sDkgL
sDkgL tyf kz'klt OGefO{/f]dG] 6n ;fwf/0f z]o/ lgisfzg .
sDkgL lnld6]8 lnld6]8sf] :jfldTjdf /x]sf] k|e'
OlGhlgol/Ë kfj/ sDkgL
a}s + lnld6]8, k|fO{d sdlz{on a}s +
lnld6]8, g]zgn nfO{km OG:of]/;] !# >L ;GbLk cu|jfn >L ;GbLk cu|jfnsf]
sDkgL lnld6]8sf] ;+:yfks :jfldTjdf /x]sf] Unf]jn
;d"xsf] z]o/ af]nsaf]n k|so[ faf6 cfO{ Pd O{ a}s
+ lnld6]8sf]
laqmL ul/Psf] . ;+:yfks ;d"xsf] z]o/
af]nsaf]n dfkm{t laqmL ug]{
@) >L u0f]z k|kf]l6h P08 >L u0f]z k|kf]l6h P08 OGe]i6d]06
;DaGwL .
OGe]i6d]06 sDkgL k|f=ln= sDkgL k|f=ln=sf] :jfldTjdf
/x]sf] u'/fz nfO{km OG:of]/G] ; !$ >L k|ltdf cof{n >L k|ltdf cof{nsf]
sDkgL lnld6]8, g]zgn nfO{km :jfldTjdf /x]sf] zfO{g
OG:of]/G] ; sDkgL lnld6]8, cfO{ /];Ë' f 8]enkd]06 a}s +
;L Pkm ;L kmfOgfG; lnld6]8 / lnld6]8sf] ;+:yfks
g]kfn u|fld0f n'3l' jQ ljQLo ;d'xsf] z]o/ af]nsaf]n
;+:yf lnld6]8sf] ;+:yfks ;d"xsf] dfkm{t laqmL ug]{ ;DaGwL .
z]o/ af]nsaf]n k|so[ faf6 laqmL
ul/Psf] . k|Tofe"lt ;]jf cGtu{t M
@! >L ljgo /]UdL >L ljgo /]UdLsf] :jfldTjdf cfly{s jif{ @)&*÷)&( sf] cGTo;Dd o; sDkgLn]
/x]sf] g]?8] n3'ljQ ljQLo ;+:yf k|Tofe"lt ;]jf cGtu{t lgDg sDkgLx?sf] z]o/ k|Tofe"lt
lnld6]8 / g]kfn u|fld0f n'3l' jQ ;]jf pknAw u/fPsf] lyof] .
ljQLo ;+:yf lnld6]8sf] ;+:yfks
;d"xsf] z]o/ af]nsaf]n dfkm{t qm+=;+= sDkgLsf] gfd k|Toe"lt ul/Psf] k|Toe"lt ul/Psf]
laqmL ul/Psf] . z]o/ lsQf /sd -?=df_
! df]n'ª xfO{8«f]kfj/ 1,765,500 176,550,000.00
sDkgL lnld6]8
@ /fjf Oglh{ 840,000 84,000,000.00
8]enkd]06 lnld6]8
$ eujtL xfO8«f]kfj/ 829,494 82,949,396.00
8]enkd]06 sDkgL
lnld6]8
hDdf 3,434,994 343,499,396=00
186
;dLIff cjlwdf nufgL Joj:yfkg ;]jf cGtu{t "d]/f] cfO/x]sf] 5 .
nufgL, d]/f] eljio" eGg] d"n gf/fsf ;fy u|fxsd'vL
gjLgtd\ of]hgfx? ;+rfng u/L] cf=j= @)&*÷)&( sf] Pg cfO{ ;L Plzof Do'rc' n km08 M
cGTo;Dddf %&# hgf u|fxsx?af6 ?=! cj{ ^& s/f]8 cf=j= @)&*÷)&( cGTo;Dd Soflk6nn] Pg cfO{ ;L
eGbf a9L /sd ;+sng u/L nufgL Joj:yfkg ;]jf Plzof a}s+ Do'rc' n km08 cGtu{t kfFr j6f of]hgfx?
pknAw u/fO/x]sf] 5 . h'g ut jif{sf] ;f]xL cjlwsf] ;+rfng ul//x]sf] 5 . h; cGtu{t rf/j6f aGbd'vL
t'ngfdf $*=@! k|ltztn] a[l4 xf] . Soflk6nn] nufgL of]hgfx? "Pg cfO{ ;L Plzof u|fy] km08", "Pg cfO{ ;L
Joj:yfkg ;]jf cGtu{t Income Guaranteed Fund, Plzof Aofn]G;8\ km08", "Pg cfO{ ;L Plzof ;]nS] 6–#)
Priority Services, Æ((∞ k|fl] km6 of]hgfÆ h:tf ljz]if -OG8]S; km08_" / "Pg cfO{ ;L Plzof n]S;L Sofk
of]hgfx? ;+rfng ul//x]sf] 5 . h'g ;]jf cgnfO{g km08" tyf Pp6f v'nfd'vL of]hgf "Pg cfO{ ;L Plzof
dfkm{t ;d]t lng ;lsg] Joj:yf ldnfOPsf] 5 . 8fO{gflds 8]K6 km08" ;+rfng ul/Psf] 5 . 5}7f}+ ?=@
cj{ a/fa/sf] aGbd'vL of]hgf "Pg cfO{ ;L Plzof u|fy]
l8Dof6 vftf M km08–@" ;+rfng ug{sf] nflu g]kfn lwtf]kq af]8d{ f
Soflk6nn] lgIf]k ;b:o ;]jf cGtu{t b]zsf] ;Dk"0f{ k]z ul/;s]sf] 5 . "Pg cfO{ ;L Plzof u|fy] km08"
e"–efudf a;f]af; ug]{ cfd hgtf dfFem l8Dof6 vftfsf] tyf "Pg cfO{ ;L Plzof Aofn]G;8\ km08" ;+rfngdf
kx'r
F ;xh, ;j{;n' e tl/sfaf6 k'¥ofpg] d'Vo p2]Zosf cfPsf] klxnf] jif{ b]lv g} gub nfef+z ljt/0f ug{ ;kmn
;fy ljutsf jif{ b]lv g} ÆPs g]kfnL, Ps l8Dof6 ePsf] 5 . u|fy] km08n] klxnf] jif{ !) k|ltzt, bf]>f]
vftfÆ cleofg ;+rfng ul//x]sf] 5 . Soflk6nn] "Ps jif{ !@ k|ltzt / t]>f] jif{ #) k|ltzt u/L xfn;Dd
g]kfnL, Ps l8Dof6 vftf" cleofgnfO{ ;xh / ;j{;n' e %@ k|ltzt nfef+z ljt/0f ul/;s]sf] 5 eg] Aofn]G;8\
?kdf cfd hgtf dfFem k'¥ofpg Pg cfO{ ;L Plzof a}s + km08n] ;+rfngdf cfPsf] klxnf] jif{ * k|ltzt / bf]>f]
lnld6]8sf] b]ze/ 5l/P/ /x]sf ;Dk"0f{ zfvf sfof{nox¿ jif{ #) k|ltzt u/L xfn;Dd #* k|ltzt gub nfef+z
tyf lj:tfl/t sfp06/af6 ;d]t l8Dof6 vftf vf]Ng], ljt/0f ug{ ;kmn ePsf] 5 . klxnf] v'nfd'vL of]hgf
z]o/sf] cef}ltsLs/0f ug]{ nufotsf lgIf]k ;b:o æPg cfO{ ;L Plzof 8fO{gflds 8]K6 km08æ ;+rfngdf
cGtu{t k|bfg ul/g] ;Dk"0f{ ;]jfx? ;xh} ?kdf pknAw cfPsf] klxnf] jif{df g} !) k|ltzt gub nfef+z ljt/0f
u/fpg] Joj:yf ldnfPsf] 5 . l8Dof6 vftf vf]Nbf nfdf] ug{ ;kmn ePsf] lyof] . pQm nfef+z ljt/0f kZrft\
;do nfUg] / pkTosf aflx/af6 l8Dof6 vftf vf]Ng tyf lwtf]kqsf] bf]>f] ahf/ 36]/ tNnf] laGb'df cfpFbf
lgs} c;xh eO{/x]sf] eGg] u'gf;f] ;Daf]wg ug{ g]kfnsf] ;d]t cfiff9 d;fGt, @)&( df æPg cfO{ ;L Plzof
h'g;'s} e"–efuaf6 ;d]t cgnfO{g dfkm{t l8Dof6 vftf u|fy] km08æ sf] v'b ;DklQ d"No (NAV) ?=!@=*!, æPg
vf]Ng ;lsg] Joj:yf ldnfPsf] 5 . Soflk6nn] @)&( cfO{ ;L Plzof Aofn]G;8\ km08æ sf] v'b ;DklQ d"No
cfiff9 d;fGt;Dd % nfv (( xhf/ eGbf a9L l8Dof6 (NAV) ?= !@=!& tyf klxnf] v'nfd'vL of]hgf æPg cfO{
vftf vf]nL l8Dof6 vftf ;+Vofsf] cfwf/df gDa/ ! ;L Plzof 8fO{gflds 8]K6 km08æ sf] v'b ;DklQ d"No
sDkgL aGg ;kmn ePsf] 5 . (NAV) ?= !)=&@ sfod ug{ ;kmn ePsf] 5 . t]>f]
aGbd'vL of]hgf Pg cfO{ ;L Plzof ;]nS] 6 #) OG8]S;
Soflk6nn] ;du| ahf/sf] !!=#^ k|ltzt lx:;f cf]u6g km08sf] v'b ;DklQ d"No (NAV) ?= (=*! sfod /x]sf]
;kmn ePsf] 5 . xfn Soflk6nn] "Ps g]kfnL, Ps 5 . rf}yf] aGbd'vL of]hgfsf] Pg cfO{ ;L Plzof æn]S;L
l8Dof6 vftf" cleofgsf] ;fy}, $ jif{sf] gljs/0f Sofk km08æ ldlt @)&( ;fn h]7 dlxgf #! ut]bl] v
z'Ns e'QmfgL ubf{ % jif{;Dd l8Dof6 vftf gljs/0f ;+rfndf cfPsf] lyof] / pQm of]hgfsf] cfiff9 d;fGt
x'g,] ?=@,%)) Psd'i6 e'QmfgL ubf{ nfO{km6fO{d l8Dof6 @)&( df v'b ;DklQ d'No (NAV) ?= (=(& /x]sf 5 .
vftf gljs/0f x'g,] Pg cfO{ ;L Plzof ljBfyL{ l8Dof6
vftf of]hgf cGtu{t lgMz'Ns l8Dof6 tyf d]/f] z]o/ ljlzli6s[t nufgL sf]if M
vftf, cgnfO{g dfkm{t l8Dof6 vftf vf]Nbf ! 306f Soflk6nn] g]kfn lwtf]kq af]8a{ f6 ljlzi6Ls[t nufgL
leq lgMz'Ns l8Dof6 vftf pknAw u/fpg] nufotsf sf]if ;+rfng ug{sf] nflu cf;o kq k|fKt ul/;s]sf] /
of]hgfx? ;+rfng ul//x]sf] 5 . l8Dof6 vftf vf]Ng] lgs6 eljiodf ljlzi6Ls[t nfugL sf]if cGtu{t Private
;]jfu|fxLx?sf] ;+Vof a9];u+ } u|fxsx?sf] cfjZostf Equity/Venture Capital (PE/VC) ;]jf k|bfg ug{sf] nflu
cg'?ksf] hfgsf/L pknAw u/fpg] d'Vo p2]Zosf ;fy cfjZos Joj:yf ul/;s]sf] 5 .
5'§} Customer Care Unit v8f u/L ;]jf k|bfg ub}{

cly{s jif{ @)&*÷)&( df Soflk6nn] xfl;n u/]sf] lgofds lgsfon] lgb]z { g u/]sf gLlt lgb]z
{ gnfO{ k"0f{
ljQLo pknlAwx? ?kdf kl/kfngf ub}{ k|To]s jif{ pRr Joj;flos a[l4
xfl;n ug]{ tkm{ xfdL ;bf cu|;/ 5f}+ / /lx/xg] 5f}+ .
ljQLo pknlAwx? M Soflk6nsf] ;]jf lj:tf/df u|fxsx?sf] rfxgfn] lgSof{n}
;dLIff jif{df dr]0{ 6 a}l+ sË If]qdf lta| k|ltikwf{Tds u5{, eGg] xfd|f] dfGotf xf] . oxL dfGotfnfO{ d"t{ ?k
r'gf}tL]sf] afjh'b klg pT;fxhg ljQLo glthf xfl;n lbg xfdLn] u|fxsd'vL eO{ of]hgf tof/ ug],{ cfGtl/s
ug{ Soflk6n ;kmn ePsf] 5 . sfo{ljlw tyf gLltut ;+oGqnfO{ ;d;fdlos kl/dfh{g
u/L ;f]nfO{ yk u|fxsd}qL agfPsf 5f}+ .
pQmcjlwdfSoflk6nn] sn" cfDbfgL?=@*,%@,%%,^)(÷–,
s/ cl3sf] gfkmf ?= !&,@%,&!,$%(÷– tyf v'b gfkmf sf]/f]gf nufot ;f]xL k|sl[ tsf cGo dxfdf/Lsf] cj:yfdf
?=!@,)&,*$,^&!÷– ug{ ;kmn ePsf] 5 . Soflk6naf6 k|jfx x'g] ;]jfnfO{ lgoldt ?kdf ;+rfng
u/L u|fxsx?nfO{ gLhx?sf] cfjZostf / rfxgf cg';f/
;dLIff aif{Dff Soflk6nsf] k|ltz]o/ cfDbfgL ?= ^)=#( sf] ;]jf pknAw u/fpgsf] nflu Soflk6naf6 k|bfg
/x]sf] 5 . ;fy}, Soflk6nn] xfl;n u/]sf] Joj;fo a[l4 ul/g] ;Dk"0f{ ;]jfnfO{ l8lh6nfO{h u/L cgnfO{g dfkm{t
tyf cjnDag u/]sf] ljljlws/0f Jofj;flos /0fgLltn] ;xh / ;j{;n' e ?kdf ;]jf k|jfx ug{ ldNg] Joj:yf
Soflk6nnfO{ bL3{sflng ?kdf Joj;fo a[l4 ug{sf nflu ldnfPsf] 5 . ;f]xL cg'?k Soflk6nn] l8Dof6 vftf /
dha't cfwf/lznf lgdf{0f ePsf] xfdLn] ljZjf; lnPsf d]/f] z]o/ vftf vf]Ng, gljs/0f ug],{ v'nfd'vL of]hgfsf]
5f+} . OsfO{sf] vl/b k"gvl/b tyf nufgL Joj:yfkg ;]jf ;d]t
cgnfO{g dfkm{t ug{ ;lsg] Joj:yf ldnfPsf] 5 . ;fy}
;+:yfut ;'zf;g, hf]lvd Joj:yfkg / cg'kfngf cfufdL lbgdf nufgL Joj:yfkg ;]jf, ;+:yfut k/fdz{
xfdL :t/Lo ;+:yfut ;'zf;g sfod ug]{ lbzfdf ;bf ;]jf, v'nfd'vL of]hgfsf] OsfO{sf] vl/b laqmL nufotsf
lqmoflzn /x]sf 5f}+ . o;sf nflu xfdLn] s]xL cfGtl/s Soflk6naf6 k|bfg ul/g] ;Dk"0f{ ;]jfx?nfO{ l8lh6nfO{h
gLlt lgodx? th{d' f u/L ;s]sf 5f}+ eg] ;+:yfut ?kdf pkTosf aflx/af6 ;d]t cgnfO{g dfkm{t ub}{ hfg]
;'zf;g gLlt nufot cGo cfjZos gLltx? ;d]t /0fgLlt lnPsf 5f}+ . ;fy} cfufdL lbgdf Soflk6naf6
th'd{ f u/L ;f]sf] sfof{Gjog ub}{ cfO/x]sf 5f}+ . ;+:yfut k|bfg ul/g] ;]jfx?nfO{ AI Based CHATBOT dfkm{t ug]{
;'zf;gdf z"Go ;xgzLntf c+uLsf/ ub{} xfdLn] ;+:yfut /0fgLlt lnPsf 5f}+ .
;'zf;g\sf] k|efjsf/L Joj:yfkgsf] nflu cfjZos kg]{
;fwg ;d]t Joj:yfkgdf Wofg lbPsf 5f}+ . ;+:yfut
;'zf;gsf lglDt OdfGbf/Ltf, kf/bzL{tf, pQ/bfloTj @= sDkgLdf /fli6«o tyf cGt/f{li6«o 36gfx?sf] k|efj M
/ lhDd]jf/LkgnfO{ xfdLn] ;b}j cfTd;ft u/]sf 5f}+ . cGt/fli6«o d'bf| sf]if (IMF) n] ;g\@)@@ df ljZj
o;af6 Soflk6nsf] lbuf] a[l4sf] alnof] cfwf/ ;[hgf cy{tGqdf #=@ k|ltztn] a[l4 x'gk] I| f]k0f u/]sf] lyof] .
ePsf] xfd|f] ljZjf; 5 . h'g @)@! df ck]lIft ^=! k|ltztsf] a[l4b/ eGbf lgs}
sd xf] . cGt/fli6«o d'bf| sf]if (IMF) n] ljZj cy{tGq
dfgj ;+;fwgsf] ljsf; / Joj:yfkg @)@! Dff ^=! k|ltztn] a[l4 x'g] cg'dfg u/]sf] lyof] .
;]jfu|fxLn] Soflk6naf6 k|fKt ug]{ ;]jfsf] u'0f:t/ cfly{s s[ofsnfkx? ;':t x'bF f ;du| cfly{s a[l4b/df
sd{rf/Lsf] ;Lk, Ifdtf / bIftfdf lge{/ /xG5 eGg] bjfj k/]sf] b]lvG5 . kl5Nnf] ;do ?; / o'qm]g aLrsf]
tYonfO{ xfdLn] cfTdf;fy u/L dfgj ;+;fwg g} ;lx åGbsf] sf/0fn] emg ljZj ahf/df sRrf t]ndf ePsf]
cy{df Soflk6nsf] jf:tljs ;Dklt x'g\ eGg] oyfy{nfO{ d"No a[l4n] ;du| pkef]Uo j:t'sf] d"No a[l4 ePsf] 5 .
:jLsf/ u/L xfdLn] sd{rf/Lsf] Ifdtf / ;Lk clea[l4
ug{sf] nflu x/]s sd{rf/Lx?nfO{ Ps cf=j=df sDtLdf g]kfnsf] cfly{s a[låb/ ;dLIff cjwLdf #=@ k|ltztdf
$) 306fsf] tflnd k|bfg ug]{ gLlt lnPsf 5f}+ . l;ldt ePsf] 5 . k"jf{g'dfg ubf{ cfly{s jif{ @)&*÷&(
pQm a[l4b/ ^=! k|ltzt /x]sf] lyof] . cfly{s
casf] af6f] s[ofsnfkx? ;':t x'Fbf ;du| cfly{s a[l4b/df bjfj
:yfkgf sfnb]lv g} Soflk6nn] u|fxsx?sf] ;]jf ;'ljwf, k/]sf] b]lvG5 . kl5Nnf] ;do ?; / o'qm]g aLrsf] åGbsf]
cfjZostf tyf ;Gt'li6nfO{ dWogh/ ub}{ cfkm\gf sf/0fn] emg ljZj ahf/df sRrf t]ndf ePsf] d"No
sd{rf/Lx?sf] lg/Gt/ nug / kl/>dsf] dfWodaf6 a[l4n] ;du| pkef]Uo j:t'sf] d"No a[l4 ePsf] 5 . h;n]
188
ubf{ d'b|f:kmLltdf bjfj kg{ uPsf] 5 . ;dLIff cfly{s #= rfn' cfly{s jif{sf nIox? M
aif{df a}+s tyf ljQLo ;+:yfx?Dff nufgL of]Uo /sdsf] Rffn' cfly{s jif{sf] nflu Soflk6nn] d'Votof b]xfo
cefj x'Fbf art tyf d'4ltsf] Aofhb/ bf]xf]/f] c+sdf adf]lhdsf] nIox? lgwf{/0f u/]sf] 5 M
k'Ubf To;sf] ;f]emf] c;/ lwtf]kqsf] bf]>f] ahf/df
k/]sf] b]lvG5 . z]o/ sf/f]jf/ k|ljlwd}qL x'Fbf lwtf]kqsf] !_ lgIf]k ;b:o cGtu{t Ps g]kfnL, Ps l8Dof6 vftf
bf]>f] ahf/ nufgLstf{x?sf] cfsif{0f j9\b} uO/x]sf] cleofg nfO{ yk lta|tf lbOg] 5 .
b]lvG5 . kmn:j?k l8Dof6 vftf vf]Ng]nufgLstf{ lbg @_ z]o/ /lhi6«f/sf] ;]jf k|bfg ug]{ sDkgLx?df
k|lt lbg a9\b} uO{/x]sf] b]lvG5 . :yfgLo lgsfosf] u7g ;+VofTds / u'0ffTds a[l4 ug]{ .
;+u} a}+s tyf ljQLo ;+:yfx?n] cfkm\gf] zfvf lj:tf/nfO{ #_ ;fj{hlgs lgisfzg ;DaGwL sfo{x? yk k|efjsf/L
lta|tf lbb}+ uPsf] kfOPsf] 5 . h;n] ubf{ pQm If]qdf agfO{ u'0f:t/Lo ;]jf k|bfg ug]{ .
a;f]jf; ug]{ :yfgLo afl;Gbfx?nfO{ ljQLo sf/f]jf/ $_ nufgL Joj:yfkgdf yk u|fxsx?sf] vf]hL u/L /sd
ug{ ;xh x'g'sf] ;fy} ljQLo ;+:yfx?sf] sf/f]jf/df tyf u|fxsx?sf] ;+Vofdf lbgfg'lbg tLa| a[l4 ug]{ .
lj:tf/df ;d]t dxTjk"0f{ e'ldsf k|bfg ul//x]sf] 5 . %_ Joj;flos k/fdz{bftfsf] pTs[i6 ;]jf k|bfg ug]{ .
b]zsf] clwsf+z e'efudf a}+s tyf ljQLo ;+:yfsf] kx'Fr ^_ gofF aGbd'vL tyf v'nfd'vL ;fd"l' xs nufgL sf]if
lj:tf/ ePsf] 5 . ;fy}, clwsf+z afl0fHo a}+sx?n] ;+rfngsf] lgldQ ;j{hlgs lgisfzgsf] nflu g]kfn
lgIf]k ;b:osf] ?kdf ;d]t ;]jf k|bfg ubf} cfO/x]sf] lwtf]kq af]8d{ f btf{ u/fpg] .
x'Fbf To; If]qsf afl;Gbfx?n] :yfgLo÷;j{;fwf/0fsf] &_ u|fxsd'vL gofF Joj;flos of]hgfx? th'd{ f u/L
nflu lgiszg ePsf] k|fylds z]o/df cfj]bg kg]{ qmd sfo{Gjogdf Nofpg] tyf >f]t ;fwgsf] clwstd
al9/x]sf] b]lvG5 . ;fy} z]o/ sf/f]af/ ug{sf] nflu pkof]u ug]{ sfo{nfO{ yk Jofks / k|efjsf/L
cgnfO{g sf/f]af/ k|0fnLsf] k|efjsfl/tf a9\bf] qmddf agfpg] .
/x]sf] 5 . h;n] ubf{ cfufdL lbgdf lwtf]kqsf] bf]>f] *_ lb3{sfnLg /0fgLltdf lglb{i6 u/]sf nIox? xfl;n
ahf/sf] lj:tf/ ;d]t lta| ?kdf a9\b} hfg] b]lvG5 . ug]{ .
(_ sDkgLsf] a|f08nfO{ ahf/df k|efjsf/L 9+un] ;bf
g]kfn /fi6« a}+s tyf aLdf ;ldltn] ;d]t eljiodf k|:t't ul//fVg] .
o; If]qsf sDkgLx?nfO{ dh{/df hfg k|f]T;fxg ug]{ !)_ l8lh6n k|ljlwx?df hf]8 lbO{ Soflk6nsf] ahf/
gLlt lnPsf] x'Fbf o; If]qsf sDkgLx?af6 eljiodf k|aw{g ug]{ .
yk xsk|b z]o/ lgisfzgsf] ;Defjgf sd b]lvG5 . !!_ v'nfd'vL of]hgf cGtu{t yk ;]jfx? lj:tf/ ug]{ .
;fy} g]kfn /fi6« a}+sn] n3'ljQ sDkgLx?n] ;d]t xsk|b !@_ ljlzi6Ls[t nufgL sf]if ;+rfng ug]{ .
z]o/ lgisfzgdf /f]s nufO{ dh{/df hfgsf] nflu
bafj lbO{/x]sf]n] cfufdL lbgdf ;d]t z]o/ /lhi6«f/ pNn]lvt nIox? k|flKt ;+u} xfdL o; If]qdf cu|0fL
sf] Joj;fodf ;+s'rg cfpg] b]lvG5 . ;dLIff cjlwdf e'ldsf v]Nb} u|fxssf] /f]hfO{df klxnf] dr]{G6 a}+s/
k"FhLahf/ dfks ;"rs 7'nf] c+sn] 36]sf] 5 . ;du|df x'g]df k'0f{ ljZj:t /x]sf 5f}+ .
;dLIff cjlwdf g]K;] kl/;"rs !*)^ c+sn] 36]sf] 5 .
cgnfO{g sf/f]af/ k|0ffnL k|lt nufgLstf{sf] cfsif{0f $= ;+rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f M
a9\b} hfg', z]o/ vl/b laqmL ePsf z]o/ tyf sf/f]af/ ;dLIff cjlwdf a}s + sf k|ltlglw ;+rfns
/sdsf] /fkm;fkm ljB'tLo dfWodaf6 x'g] Joj:yf x'Fbf >L ljzfn l;Ub]nsf] :yfgdf >L slkn 9sfn tyf
g]K;] kl/;"rs 36\bf] qmddf /x] klg lwtf]kq ahf/ >L lglZrt ldQnsf] :yfgdf >L ?k]z n'O6]nnfO{
la:tf/ x'Fb} uO/x]sf] 5 . cfufdL lbgdf z]o/ ahf/ ;+rfnssf] ?kdf lgo'QmL ul/Psf] 5 .
lj:tf/sf] nflu lgodgsf/L lgsfox?af6 yk kxn
ePsf] v08df lwtf]kq ahf/ lj:tf/ x'g yk 6]jf k'Ug] %= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP
b]lvG5 . ;f] pk/ ;+rfns ;ldltsf] k|ltlqmof M
lgoldt sf/f]af/df b]lvPsf ;fwf/0f lsl;dsf s}lkmot
afx]s n]vfk/LIf0f k|ltj]bgdf c? s}lkmot pNn]v ePsf]
5}g .

^= nfefFz afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd M n]vfk/LIf0f ;ldlt / hf]lvd Joj:yfkg ;ldlt u7g
;+rfns ;ldltsf] a}7sn] cfly{s jif{ @)&*÷)&( sf] ul/Psf] 5 . oL ;ldltx?sf] a}7s lgoldt ?kdf a:g]
gfkmfaf6 %% k|ltzt -s/ ;lxt_ sf] b/n] x'g cfpg] ub{5 / ;do ;dodf oL ;ldltx?n] Joj:yfkg tyf
?= !!,)),)),)))÷– -cIf/]kL P3f/ s/f]8 dfq_ gub ;+rfns ;ldltnfO{ cfjZos ;Nnfx / ;'emfj lbg] ub{5 .
nfef+z ljt/0f ug]{ lg0f{o u/]sf] 5 . ;+rfns ;ldltn] sDkgLsf] k|efjsf/L Joj:yfkgsf] nflu
sDkgLsf] ljQLo k|zf;g gLlt, @)&# tyf dfgj
&= z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof M ;+zfwg gLlt @)&# nfO{ cg'df]bg u/L sfo{Gojgdf
;dLIff jif{df s'g} klg z]o/ hkmt ul/Psf] 5}g . cfO;s]sf] 5 . cfGtl/s lgoGq0f k|0ffnLnfO{ k|efjsf/L
u/fpgsf] nflu o; sDkgLn] ljleGg gLlt, lgb]z{ g tyf
*= ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] k|lqmofx? th'd{ f u/L cjnDjg u/]sf] 5 .
sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGTodf /x]sf]
l:yltsf] k'g/fjnf]sg M !%= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f M
o; sDkgLsf] s'g} klg ;xfos sDkgL gePsf] . ;dLIff cjlwdf ePsf] hDdf vr{sf] ljj/0f
(= ;dLIff cjlwdf sDkgL / o;sf ;xfos sDkgL;+usf] vr{ lzif{s vr{ /sd -?_
sf/f]af/ / To;df ePsf] dxTjk"0f{ x]/km]/ M sd{rf/L vr{ 5,56,86,159
o; sDkgLn] dr]G{ 6 a}s + /sf] ?kdf nufgL Joj:yfkg, ;+rfng vr{ 5,69,97,992
lgIf]k ;b:o, Do'rcn km08, ;+:yfut k/fdz{bftf, laqmL hDdf vr{ 11,26,84,151
k|aGw tyf z]o/ /lhi6«f/sf] sfd ub}{ cfO/x]sf] 5 .
sDkgLsf] s'g} klg ;xfos sDkgL 5}g / sDkgLsf]
k|aGwkq / lgodfjnLdf tf]ss ] f p2]Zo adf]lhdsf !^= n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL lghx?n]
sfdx? ub}{ cfO/x]sf] 5 / ;dLIff jif{df sDkgLsf] d'Vo k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn]
sf/f]jf/x?sf] k|sl[ tdf s'g} kl/jt{g ePsf] 5}g . u/]sf sfdsf/afxLsf] ljj/0f / ;f] ;ldltn] s'g}
;'emfj lbPsf] eP ;f]sf] ljj/0f M
!)= ljut cfly{s jif{df sDkgLsf cfwf/e"t z]o/wgLx?n] n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL M
sDkgLnfO{ pknAw u/fPsf] hfgsf/L M
s]xL gePsf] . qm+=;+= Gffd s}lkmot
! >L /ljg ;fksf]6f :jtGq ;+rfns,
!!= ljut cfly{s jif{df sDkgLsf ;+rfns tyf Pg cfO{ ;L Plzof Soflk6n ln=
kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / @ >L sdn v8\sf k|dv
' cfGtl/s n]vfk/LIfs,
sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] Pg cfO{ ;L Plzof a}s
+ ln=
;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L M # >L dlgif l3ld/] k|dv' nufgL ljefu,
Pg cfO{ ;L Plzof Soflk6n ln=
s]xL gePsf] .
:jtGq ;+rfnsnfO{ ?=@%,)))÷– eQf tyf ;'ljwf k|bfg
!@= sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;+rfns tyf
ul/Psf] .
lghsf cfkmGtsf] JolQmut :jfy{;DaGwL hfgsf/L M
xfn;Dd o; k|sf/sf] s'g} ;Demf}tf gePsf]n] To;
;DaGwdf s'g} v'nf;f ug'k{ g]{ gb]lvPsf] . !&= ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v, sDkgLsf
cfwf/e"t z]o/wgL jf lghsf gft]bf/ jf lgh ;+nUg
!#= k'gM vl/b ul/Psf] z]o/x?sf] ljj/0f M /x]sf kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g}
;dLIff cjlwdf z]o/sf] k'g M vl/b gePsf] . /sd a'emfpg afFsL eP ;f] s'/f .
;f] gePsf] .
!$= cfGtl/s lgoGq0f Joj:yf eP jf gePsf] / ePsf]
eP ;f]sf] ljj/0f M
sDkgLn] cfGtl/s lgoGq0f Joj:yf sfod ug{sf nflu
vl/b ;ldlt, dfgj ;+zfwg ljsf; ;ldlt, cfGtl/s
190
!*= ;+rfns, k|aGw ;+rfns, sfo{sf/L k|d'v tyf ;dLIff cjlwdf sDkgLsf] k|d'v sfo{sf/L clws[t,
kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf sDkgL ;lrj / pRr Joj:yfkg txdf /x]sf
tyf ;'ljwfsf] /sd M sd{rf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf
;dLIff cjlwdf ;+rfns ;ldltsf] ;b:ox?nfO{ a}7s ;'ljwfsf] /sd ;DaGwL ljj/0f M
eQf tyf ;'ljwf jfkt ?=$,&%,)))÷– k|bfg ul/Psf] .
ljj/0f k|d'v sfo{sf/L k|d'v ;+rfng k|d'v ;+rfng÷ k||d'v–dr]{G6 a}+ls·

clws[t clws[t nufgL clws[t tyf
sDkgL ;lrj
sd{rf/L ;+Vof ! ! ! !
kfl/>lds, eQf tyf ;'ljwfsf] /sd -?_ $%,%),)))÷– @,)^,^(*÷– @@,@&,*)#÷– !#,@@,*%*÷–
-!@ dlxgf_ -! dlxgf_ -!@ dlxgf_ -!@ Dlxgf_
!(= z]o/wgLx?n] a'lemlng afFsL /x]sf] nfefFz /sd M sDkgLn] a}+s;Fu u/]sf] ;D´f}tf adf]lhd sfo{ut /
nfefFz ljt/0f ug{ afFsL g/x]sf] . k|fljlws ;xof]u jfkt Pg cfO{ ;L Plzof a}+s
lnld6]8nfO{ ? !#,(&,!$!=(&÷– sd{rf/L vr{ jfkt
@)= ;DklQ k|flKt jf laqmL ljj/0f M e'QmfgL u/]sf] 5 .
s]xL gePsf] .
sDkgLn] a}+s;Fu cfiff9 d;fGt, @)&( df
@!= ;+:yfks sDkgL;Fusf] sf/f]af/ ljj/0f M ? @!,@),@!&=!% k|fKt ug{ afFsL /x]sf] 5 . h'g >fj0f
sDkgLn] Pg cfO{ ;L Plzof a}+s lnld6]8df Pg cfO{ ;L !,@)&* df ? @!,)(,$!!=^^ k|fKt ug{ afFsL /x]sf]
Plzof Soflk6nsf] gfddf /x]sf] ljleGg a}+s vftf af6 lyof] .
cf=j= @)&*÷&( df ? %=)#@ s/f]8 Aofh cfDbfgL
k|fKt u/]sf] 5 .
sDkgLn] Pg cfO{ ;L Plzof a}+s ln= sf] z]o/ /lhi6«f/sf]

?kdf sfd ub}+ cfO/x]sf] 5 h;sf] ;]jf z'Ns jflif{s
? ()&,%))÷– /x]sf] 5 .

194
Pg cfO{ ;L Plzof a}+s lnld6]8sf] k'0f{ :jfldTjsf]
ljQLo l:ylt ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
;DklQ
;DklQ, KnfG6 tyf pks/0f 9,322,989 6,831,755
cd't{ ;DklQ 5,529,930 5,321,395
ljQLo ;DklQ -kl/zf]lwt d"Nodf_ -d'2tL_ - -
ljQLo ;DklQ -e'QmfgL ldlt;Dd wf/0f ug{]_ 13,557,000 13,557,000
shf{ tyf ;fk6L 366,653 372,594
:yug s/ ;DklQ 583,493 697,323
hDdf u}/ rfn' ;DklQ 29,360,065 26,780,067
rfn' ;DklQ
gub tyf gub ;dfg 26,426,565 144,843,754
Jofkf/Ls bfloTj 36,886,193 69,188,199
cu|Ld Joo tyf ;fk6L 4,026,843 2,333,580
shf{ tyf ;fk6L 1,030 8,904
ljQLo ;DklQ kl/zf]lwt d"Nodf -d'2tL_ 414,697,779 420,297,308
ljQLo ;DklQ gfkmf jf gf]S;fg dfkmt Fair Value df 1,008,492 1,015,074
hDdf rfn' ;DklQ 483,046,903 637,686,819
hDdf ;DklQ 512,406,968 664,466,886
OlSj6L / bfloTj
u}/ rfn' bfloTj
sd{rf/L lxt 3,511,507 3,230,237
Jofkf/Ls / cGo bfloTj 134,043 949,083
:yug s/ bfloTj - -
hDdf u}/ rfn' bfloTj 3,645,550 4,179,321
rfn' bfloTj
Jofkf/Ls / cGo bfloTj 168,438,495 344,749,315
hDdf rfn' bfloTj 168,438,495 344,749,315
OlSj6L
z]o/ k"FhL 200,000,000 200,000,000
;l~rt d'gfkmf 140,322,922 115,538,250
hDdf OlSj6L 340,322,922 315,538,250
hDdf OlSj6L / bfloTj 512,406,968 664,466,886
cGhnL /fO{ dlgif l3ld/] /d]Gb| /fodfemL slkn 9sfn o;} ldltsf] xfd|f] ;+nUg
k|d'v ljQ ljefu k|d'v ;~rfng clws[t k|d'v sfo{sf/L clws[t cWoIf k|ltj]bg cg';f/
l;= P= ldng a:g]t
;'dg 8+uf]n /lag ;fksf]6f ?k]z n'O{+6]n lbg]z ef/L ;fem]bf/
:jtGq ;~rfns :jtGq ;~rfns ;~rfns ;~rfns b]j P;f]l;P6\;
rf6{8{ PsfpG6]G6\;
ldltM ;fpg !% ut], @)&(
:yfgM sf7df8f}+

gfkmf gf]S;fg ljj/0f / cGo lj:t[t cfo
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
;~rfng cfDbfgL
dr]{G6 a}ls+Ë ;]jfaf6 cfDbfgL 152,291,478 162,317,967
;fd'lxs nufgL sf]ifaf6 cfDbfgL 63,443,390 40,009,256
shf{ ;fk6 tyf ;fk6Laf6 cfDbfgL 63,161,142 43,625,787
Corporate Advisory af6 cfDbfgL 410,000 2,935,778
OlSjl6 lwtf]kqsf] lg;u{af6 cfDbfgL - 6,253,485
Fair Value dfkm{t ljQLo ;DklQdf ;fljsdf sfod gul/Psf] v'b gfkmf 6,582 4,127
nfef+; cfDbfgL 4,067,148 1,093,360
cGo cfDbfgL 1,889,034 89,270
hDdf ;~rfng cfDbfgL 285,255,609 256,329,029
;~rfng vr{
dr]{G6 a}ls+Ë vr{ 34,636,605 26,734,096
;fd"lxs nufgL sf]ifsf] vr{ 2,003,302 1,303,977
lwtf]kq lalqmdf sldzg - -
;~rfng d'gfkmf 248,615,702 228,290,956
u}/ ;~rfng vr{

sd{rf/L vr{ -sd{rf/L af]g; ;lxt_ 55,686,159 54,300,143
kl/;/ vr{ 6,469,029 5,654,306
lj1fkg tyf k|rf/ vr{ 1,205,950 2,279,278
;fdfGo k|zf;g vr{ 7,912,275 7,004,958
ljQLo vr{ 13,815 40,788
x|f; s§L tyf ckn]vg vr{ 4,757,017 3,573,822
cfos/ cl3sf] d'gfkmf 172,571,459 155,437,660
cfos/ 51,786,787 47,411,738
jif{sf] nflu d'gfkmf 120,784,671 108,025,922
cGo lj:t[t cfo / Joo

laqmLsf nflu pknAw nufgLdf v'b nfe - -
kl/eflift nfe of]hgfdf Actuarial gain/loss - -
hDdf cGo lj:t[t cfo / Joo - -
36fpg]
cGo lj:t[t cfo / Joodf s/ vr{ - -
jif{sf] nflu cGo lj:t[t cfo - -
O{lSj6L z]o/ wgLsf nflu 120,784,671 108,025,922
l;= P= ldng a:g]t
rf6{8{ PsfpG6]G6\;
:yfgM sf7df8f}+
196
gub k|jfx ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
s= sf/f]jf/ ;~rfngaf6 gub k|jfx
gub k|flKt 172,571,459 155,437,660
s/ cl3sf] v'b gfkmf - -
;dfof]hg - -
x|f; s|§L vr{ 4,757,017 3,573,822
Non Cash Finance Cost 13,815 40,788

Non Cash NFRS Adjustment in Rent 815,040 376,297
cfos/ e'QmfgL 53,693,697 47,839,475
nfef+z e'QmfgL 96,000,000 36,000,000
bfloTjdf -sdL_÷j[l4 176,029,550 229,544,621
nufgLdf -sdL_÷j[l4 6,582 17,796,736
d'2tL lgIf]kdf -sdL_÷j[l4 5,599,530 160,121,770
cGo ;DklQdf sdL÷-j[l4_ 32,629,482 26,073,455
sf/f]jf/ ;~rfngaf6 v'b gub k|jfx -!_ -110,960,403_ 136,735,224
v= ljQLo >f]t sf/f]jf/af6 gub k|jfx

z]o/ k"FhLdf -sdL_÷j[l4 - -
bL3{sfnLg C0fdf -sdL_÷j[l4 - -
ljQLo >f]t sf/f]jf/af6 v'b gub k|jfx -@_ - -
u= nufgL sf/f]jf/df gub k|jfx

d't{ ;DklQ -vl/b_÷laqm 6,781,893 5,498,778
cd't{ ;DklQ -vl/b_÷laqmL 674,893 1,976,483
nufgL sf/f]jf/df v'b gub k|jfx -#_ -7,456,786_ -7,475,261_
gub tyf gub ;dfgsf] v'b sdL÷-j[l4_ -!±@±#_ -118,417,189_ 129,259,963
gub tyf gub ;dfgsf] z'? df}Hbft 144,843,754 15,583,791
gub tyf gub ;dfgsf] clGtd df}Hbft 26,426,565 144,843,754
l;= P= ldng a:g]t
rf6{8{ PsfpG6]G6\;
:yfgM sf7df8f}+

OlSj6Ldf ePsf] kl/jtg ;DjGwL ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
ljj/0f z]o/ k'FhL ;l~rt d'gfkmf lgodsf/L sf]if ;fdflhs pQ/ hDdf
bfloTj sf]if
cf=j= @)&^÷&& sf] clGtd df}Hbft 200,000,000 38,805,177 4,293,932 413,220 243,512,328
z]o/ k'F+hL Hff/L - - - - -
jif{sf] nflu d'gfkmf - 108,025,922 - - 108,025,922
s/ kl5sf] cGo lj:t[t cfo / Joo - - - - -
;fwf/0f hu]8f sf]ifdf :tfGt/0f - - - - -
lgodsf/L sf]ifdf :tfGt/0f - 10,802,592 10,802,592 - -
;fdflhs pQ/bfloTj hu]8f sf]ifdf - 1,080,259 - 1,080,259 -

:tfGt/0f
;fdflhs pQ/bfloTj hu]8f sf]ifaf6 - 250,505 - 250,505 -
:tfGt/0f
;l~rt d'gfkmfdf :tfGt/0f - - - - -
nfef+; e'QmfgL - 36,000,000 - - 36,000,000
cf=j= @)&&÷&* sf] clGtd df}Hbft 200,000,000 99,198,752 15,096,524 1,242,974 315,538,250
z]o/ k'F+hL Hff/L - - - - -
jif{sf] nflu d'gfkmf - 120,784,671 - - 120,784,671
s/ kl5sf] cGo lj:t[t cfo / Joo - - - - -
lgodsf/L sf]ifdf :tfGt/0f - 12,078,467 12,078,467 - -
;fdflhs pQ/bfloTj hu]8f sf]ifdf - 1,207,847 - 1,207,847 -

:tfGt/0f
;fdflhs pQ/bfloTj hu]8f sf]ifaf6 - 674,462 - 674,462) -
:tfGt/0f
;l~rt d'gfkmfdf :tfGt/0f - - - - -
nfef+; e'QmfgL - 96,000,000 - - 96,000,000
cf=j= @)&*÷&( sf] clGtd df}Hbft 200,000,000 111,371,571 27,174,991 1,776,359 340,322,922
l;= P= ldng a:g]t
rf6{8{ PsfpG6]G6\;
:yfgM sf7df8f}+
198
;xfos sDkgL
Pg cfO{ ;L Plzof n3'ljQ ljQLo
;+:yf lnld6]8sf] jflif{s ljj/0f

Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8
jf;nft
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
k+"hL tyf bfloTj o; jif{ ut jif{
!= z]o/ k"+hL 1,739,440,000 1,739,440,000
@= hu]8f tyf sf]ifx? 1,408,904,300 835,868,717
#= C0fkq tyf a08 - -
$= ltg{ af+sL shf{ ;fk6 16,310,756,909 15,591,959,246
%= lgIf]k bfloTj 3,352,662,239 2,677,920,473
^= cfos/ bfloTj 250,986,320 1,224,073
&= cGo bfloTj 1,347,968,066 912,629,886
s"n k"+hL tyf bfloTj 24,410,717,834 21,759,042,394
;DklQ o; jif{ ut jif{

!= gub df}Hbft -l;Ssf ;d]t_ 1,445,522,884 3,399,508,151
@= dfu tyf cNk ;"rgf df k|fKt x'g] /sd 640,269,435 1,306,921,258
#= nufgL 11,500,000 11,500,000
$= shf{ ;fk6 21,847,350,905 16,891,667,024
%= l:y/ ;DklQ 132,725,618 128,166,343
^= u}/ a}+ls· ;DklQ - -
&= cGo ;DklQ 333,348,992 21,279,618
s"n ;DklQ 24,410,717,834 21,759,042,394
n]vfk/LIf0f gul/Psf]
200
Pg cfO{ ;L Plzof n3'ljQ ljQLo ;+:yf lnld6]8
gfkmf gf]S;fg lx;fa
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
!= Jofh cfDbfgL 3,313,104,120 1,743,102,717
@= Jofh vr{ 1,822,577,861 703,362,507
v"b Aofh cfDbfgL 1,490,526,259 1,039,740,210
#= sldzg tyf cGo ;~rfng cfDbfgL 282,970,803 218,868,630
$= cGo ;~rfng cfDbfgL 556,319 -
%= ;6xL 36a9 cfDbfgL - -
s"n ;~rfng cfDbfgL 1,774,053,380 1,258,608,840
^= sd{rf/L vr{ 442,242,006 227,878,929
&= cGo ;~rfng vr{ 310,147,186 165,673,240
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d"gfkmf 1,021,664,188 865,056,672
*= ;Defljt gf]S;fgL Joj:yfx? 92,301,540 159,528,407
;~rfng d'gfkmf 929,362,647 705,528,265
(= u}/ ;~rfng cfDbfgL÷gf]S;fg 216,323 49,136,808
!)= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ - -
lgoldt sf/f]jf/af6 ePsf] d"gfkmf 929,578,971 754,665,073
!!= c;fdfGo sf/]fjf/x?af6 ePsf] d"gfkmf÷vr{ - -
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d"gfkmf 929,578,971 754,665,073
!@= sd{rf/L af]g; Aoa:yf 92,957,900 75,466,507
!#= cfos/ Joj:yf 250,986,320 208,789,139
v'b gfkmf÷gf]S;fg 585,634,751 470,409,426
n]vfk/LIf0f gul/Psf]

202
;xfos sDkgL
Pg cfO{ ;L Plzof ;]So'l/l6h\ lnld6]8sf]
jflif{s ljj/0f

Pg cfO{ ;L Plzof ;]So'l/l6h\ lnld6]8
ljQLo l:ylt ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
;DklQ
u}/ rfn' ;DklQ
k|f]k/\l6h\, KnfG6 / pks/0f - -
cd't{ ;DklQ - -
ljQLo ;DklQ kl/zf]lwt d"Nodf -d'2tL_ - -
shf{ tyf ;fk6L - -
:yug s/ ;DklQ - -
hDdf u}/ rfn' ;DklQ - -
rfn' ;DklQ
gub tyf gub ;dfg 1,712,690 840,023
Jofkf/Ls ;DklQ - -
k|Lk]8 vr{ 2,925 -
cu|Ld Joo tyf ;fk6L 970,667 144,682
shf{ tyf ;fk6L - -
ljQLo ;DklQ kl/zf]lwt d"Nodf -d'2tL_ 66,500,000 62,014,797
ljQLo ;DklQ gfkmf jf gf]S;fg df{kmt Fair Value df - -
hDdf rfn' ;DklQ 69,186,282 62,999,503
hDdf ;DklQ 69,186,282 62,999,503
OSjL6L / bfloTj
u}/ rfn' bfloTj
sd{rf/L lxt - -
Jofkf/Ls / cGo bfloTj - -
:yug s/ bfloTj - -
hDdf u}/ rfn' bfloTj - -
rfn' bfloTj
Jofkf/Ls / cGo bfloTj 45,200 42,275
rfn' s/ bfloTj 2,210,803 531,865
hDdf rfn' bfloTj 2,256,003 574,140
OlSj6L
z]o/ k"FhL 60,000,000 60,000,000
;l~rt d'gfkmf 6,930,279 2,425,363
hDdf OlSj6L 66,930,279 62,425,363
hDdf OlSj6L / bfloTj 69,186,282 62,999,503
/f]zg cfrfo{ ;'/]z nD;fn ;Gtf]if co{fn o;} ldltsf] xfd|f] ;+nUg
cWoIf ;~rfns ;~rfns k|ltj]bg cg';f/
cz]if cof{n, l; P
ldlt M @)&(÷)%÷!& ;fem]bf/
:yfg M sf7df8f}+ P; Pd l; P;f]l;P6\;
206
gfkmf gf]S;fg ljj/0f / cGo lj:t[t cfo
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
a|f]s/ z'Nsaf6 cfo - -
cGo cfDbgL 6,697,820 1,637,315
hDdf ;~rfng cfDbfgL 6,697,820 1,637,315
;~rfng vr{
SEBON z'Ns - -
;~rfng d'gfkmf 6,697,820 1,637,315
u}/ ;~rfng vr{

sd{rf/L vr{ -sd{rf/L af]g; ;lxt_ - -
kl/;/ vr{ - -
lj1fkg tyf k|rf/ vr{ - -
;fdfGo k|zf;g vr{ 126,846 56,500
ljQLo vr{ - -
x|f; s§L tyf ckn]vg vr{ - -
cfos/ cl3sf] d'gfkmf 6,570,974 1,580,815
cfos/ 2,210,803 531,865
jif{sf] nflu d'gfkmf 4,360,171 1,048,950
cGo lj:t[t cfo / Joo

laqmLsf nflu pknAw nufgLdf v'b nfe - -
kl/eflift nfe of]hgfdf Actuarial gain/loss - -
hDdf cGo lj:t[t cfo / Joo

36fpg]
cGo lj:t[t cfo / Joodf s/ vr{ - -
jif{sf] nflu cGo lj:t[t cfo - -
O{lSj6L z]o/ wgLsf nflu 4,360,171 1,048,950
cz]if cof{n, l; P
ldlt M @)&(÷)%÷!& ;fem]bf/

gub k|jfx ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
s= sf/f]jf/ ;~rfngaf6 gub k|jfx
s/ cl3sf] v'b gfkmf 6,570,974 1,580,815
;dfof]hg
x|f; s|§L vr{ - -
nufgLdf c1ft nfe - -
cfos/ e'QmfgL 2,210,803 531,865
nfef+z e'QmfgL - -
bfloTjdf -sdL_ ÷ j[l4 1,823,682 254,870
nufgLdf -sdL_ ÷ j[l4 - -
d'2lt lgIf]kdf -sdL_ ÷ j[l4 4,485,203 62,014,797
cGo ;DklQdf sdL ÷ -j[l4_ 825,984 186,129
sf/f]jf/ ;~rfngaf6 v'b gub k|jfx -!_ 872,667 -61,034,589_
v= ljQLo >f]t sf/f]jf/af6 gub k|jfx

z]o/ k"FhLdf -sdL_ ÷ j[l4 - -
bL3{sfnLg C0fdf -sdL_ ÷ j[l4 - -
nfef+; cfDbfgL - -
ljQLo >f]t sf/f]jf/af6 v'b gub k|jfx -@_ - -
u= nufgL sf/f]jf/df gub k|jfx

d't{ ;DklQ -vl/b_ ÷ laqmL - -
cd't{ ;DklQ -vl/b_ ÷ laqm - -
nufgL sf/f]jf/df v'b gub k|jfx -#_ nufgL sf/f]jf/df v'b gub k|jfx -#_ - -
gub tyf gub ;dfgsf] v'b sdL ÷ -j[l4_ -!±@±#_ 872,667 -61,034,589_
gub tyf gub ;dfgsf] z'? df}Hbft 840,023 61,874,612
gub tyf gub ;dfgsf] clGtd df}Hbft 1,712,690 840,023
cz]if cof{n, l; P
ldlt M @)&(÷)%÷!& ;fem]bf/
208
OlSj6Ldf ePsf] kl/jtg ;DjGwL ljj/0f
>fj0f !, @)&* b]lv c;f/ #@, @)&( ;Dd
/sd ?=
ljj/0f z]o/ k'FhL ;l~rt d'gfkmf hDdf
cf=j= @)&^÷&& sf] clGtd df}Hbft 60,000,000 1,376,413 61,376,413
z]o/ k'F+hL Hff/L - - -
jif{sf] nflu d'gfkmf - 1,048,950 1,048,950
s/ kl5sf] cGo lj:t[t cfo / Joo - - -
;fdfGo hu]8f sf]ifdf :tfGt/0f - - -
nfef+; e'QmfgL - - -
cf=j= @)&&÷&* sf] clGtd df}Hbft 60,000,000 2,425,363 62,425,363
z]o/ k'F+hL Hff/L - - -
jif{sf] nflu d'gfkmf - 4,360,171 4,360,171
cl3Nnf] cfly{s jif{sf] ;dfof]hg - 144,744 144,744
s/ kl5sf] cGo lj:t[t cfo / Joo - - -
;fdfGo hu]8f sf]ifdf :tfGt/0f - - -
nfef+; e'QmfgL - - -
cf=j= @)&*÷&( sf] clGtd df}Hbft 60,000,000 6,930,279 66,930,279
cz]if cof{n, l; P
ldlt M @)&(÷)%÷!& ;fem]bf/

210
cfly{s jif{ @)&*÷&( sf] a}+ssf] jflif{s x/ lx;fj :jLs[ltsf] qmddf g]kfn /fi6« a}+saf6
lbOPsf] lgb]{zg pk/ Joj:yfkgsf] hjfkm M
!= n]vfk/LIfsn] n]vfk/LIf0f k|ltj]]bgdf cf}+NofPsf s}lkmotx? k|fyldstfk"j{s ;'wf/sf qmddf /x]sf] tyf o:tf s}lkmotx?
bf]xf]l/g glbg] Joj:yf ldnfpg] hfgsf/L u/fpFb5f}+ .

Pg cfO{ ;L Plzof a}+s ln=
sf] k|aGwkqdf k|:tfljt ;+zf]wg÷yksf] tLg dxn] ljj/0f
ljBdfg Joj:yf k|:tfljt Joj:yf s}lkmot

$= a}s
+ sf] p2]Zo k|flKtsf nflu ul/g] sfdx? M $= a}s
+ sf] p2]Zo k|flKtsf nflu ul/g] sfdx? M o'lge;{n a}l+ sË cjwf/0ff
sIf_ gofF yk -sIf_ a}s
+ n] cfjZostf cg';f/ k|rlnt sfg"g cg'?k a}s + n] k|bfg ul//x]sf]
adf]lhdsf] k|lqmof k'/f u/L lgofds a}l+ sË ;]jf ;'ljwfnfO{ yk a[xt
lgsfox?sf] :jLs[lt lnO{ s'g} :jb]zL jf agfpg Pj+ kl/is[t ;]jf k|bfg
ljb]zL kmd{, sDkgL, ;+3 ;+:yf;Fu ;+oQ' m ug{ .
nufgL u/L jf gu/L jf a}s + sf] ;xfos
sDkgL :yfkgf u/L jf a}s + n] cGo
;+:yfx?;Fu ;xsfo{ u/L jf a}s + n] Ph]G6
lgo'Qm u/L ljk|i] f0f -/]ld6]G;_ ;DaGwL
Joj;fo ug{ ;Sg]5 .
-sq_ gofF yk -sq_ a}s
+ n] cfjZostf cg';f/ k|rlnt sfg"g o'lge;{n a}l+ sË cjwf/0ff
adf]lhdsf] k|lqmof k'/f u/L lgofds cg'?k a}s + n] k|bfg ul//x]sf]
lgsfox?sf] :jLs[lt lnO{ s'g} :jb]zL jf a}l+ sË ;]jf ;'ljwfnfO{ yk a[xt
ljb]zL kmd{, sDkgL, ;+3 ;+:yf;Fu ;+oQ' m agfpg Pj+ kl/is[t ;]jf k|bfg
nufgL u/L jf gu/L jf a}s + sf] ;xfos ug{ .
sDkgL :yfkgf u/L Credit Rating
;DaGwL Joj;fo ug{ ;Sg]5 .
-s1_ gofF yk -s1_ a}s
sDkgL :yfkgf u/L ;'grfFbLsf] lwtf]df
shf{ k|jfx ug]{ ;DaGwL Joj;fo ug{
;Sg]5 .
-vs_ gofF yk -vs_ a}s

+ n] o'lge;{n a}l+ sË cjwf/0ff
Bill of lading, Railway Receipt,
Debenture tyf Bond nfO{ lwtf]sf] cg'?k a}s + n] k|bfg ul//x]sf]
?kdf :jLsf/ u/L shf{ tyf cGo a}l+ sË a}l+ sË ;]jf ;'ljwfnfO{ yk a[xt
;'ljwf pknAw u/fpg] . agfpg Pj+ kl/is[t ;]jf k|bfg
ug{ .
-vv_ gofF yk -vv_ a}s
lgsfox?sf] :jLs[lt lnO{ a}s
+ cfk}m+ n] jf a}l+ sË ;]jf ;'ljwfnfO{ yk a[xt
cGo ;+:yf;Fu ;xsfo{ u/L jf a}s + n] agfpg Pj+ kl/is[t ;]jf k|bfg
Ph]G6 lgo'Qm u/L z]o/ tyf 8]l/e]l6A;\ ug{ .
nufotsf j:t'x?sf] sf/f]af/ ug]{ .
212
-vu_ gofF yk -vu_ a}s
lgsfox?sf] :jLs[lt lnO{ a}s
+ cfkm}n] jf a}l+ sË ;]jf ;'ljwfnfO{ yk a[xt
a}s+ n] ;xfos sDkgL vf]nL jf a}s
+ n] cGo agfpg Pj+ kl/is[t ;]jf k|bfg
;+:yf;Fu ;xsfo{ u/L jf a}s + n] Ph]G6 ug{ .
lgo'Qm u/L ljB'tLo e'QmfgL ;]jf jf
ljB'tLo e'QmfgL k|bfos ;]jf jf jfn]6
Joj:yfkg ;]jf ;+rfng ug]{ .
-v3_ gofF yk -v3_ a}s
lgsfox?sf] :jLs[lt lnO{ ;xfos sDkgL a}l+ sË ;]jf ;'ljwfnfO{ yk a[xt
:yfkgf u/L jf gu/L jf a}s + n] cGo agfpg Pj+ kl/is[t ;]jf k|bfg
;+:yf;Fu ;xsfo{ u/L jf a}s + n] Ph]G6 ug{ .
lgo'Qm u/L ;DklQ Joj:yfkg -P;]6
Dofg]hd]G6_ ;DaGwL sfo{ ug{ ;Sg]5 .
-vª_ gofF yk -vª_ a}s
sDkgL :yfkgf u/L hLjg aLdf ;DaGwL
Joj;fo ug{ ;Sg]5 .
-vr_ gofF yk -vr_ a}s + n] cfjZostf cg';f/ k|rlnt sfg"g o'lge;{n a}l+ sË cjwf/0ff
sDkgL :yfkgf u/L lghL{jg aLdf ;DaGwL
Joj;fo ug{ ;Sg]5 .
-v5_ gofF yk -v5_ a}s+ n] cfjZostf cg';f/ k|rlnt sfg"g o'lge;{n a}l+ sË cjwf/0ff
lgo'Qm u/L a}l+ sË tflnd ;DaGwL
Joj;fo ug{ ;Sg]5 .

-vh_ gofF yk -vh_ a}s+ n] cfjZostf cg';f/ k|rlnt sfg"g o'lge;{n a}l+ sË cjwf/0ff
sDkgL :yfkgf u/L jf a}s
+ n] cGo ;+:yfx?;Fu
;xsfo{ u/L jf a}s
+ n] Ph]G6 lgo'Qm u/L jf
gu/L Lifestyle Banking (App, Channel,
Web Channel, Social Media Channel,
Open Banking P+jd cGo Lifestyle
Banking ;DaGwL Products/Services)
-vem_ gofF yk -vem_ a}s
+ n] cGo ;+:yfx?;Fu
;xsfo{ u/L jf a}s
+ n] Ph]G6 lgo'Qm u/L jf
gu/L Digital Tranformation (Paperless,
organization, Robotic Process,
Automation, Cloud Competency,
Customer Relationship, Mangement,
Business Process Management, Third
Party Collaboratoin, Pj+ cGo Digital
Transformation Projects) ;DaGwL Joj;fo
ug{ ;Sg]5 .
-v~f_ goFf yk -v~f_ a}s
+ n] cGo ;+:yfx?;Fu
;xsfo{ u/L jf a}s+ n] Ph]G6 lgo'Qmu/L jf
gu/L Information Technology (Core
Banking System, IT Network and
System Administration, Disaster
Recovery, Hardware Support, EFT
Switch Management, Third Pary
CollaborationsPj+ cGo IT Projects)
214
-v6_ gofF yk -v6_ a}s
lgo'Qm u/L jf gu/L Information
Security (Application Security,
Network Security, IT Operations
Security Pj+ cGo IT Cyber Security
related) ;DaGwL Joj;fo ug{ ;Sg]5 .

sf] lgodfjnLdf k|:tfljt ;+zf]wg÷yksf] tLg dxn] ljj/0f

#!= ;~rfnsx?sf] kfl/>lds, eQf / ;'ljwf #!= ;~rfnsx?sf] kfl/>lds, eQf / ;'ljwf
;DaGwL Joj:yfM ;DaGwL Joj:yfM
-!_ ;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s -!_ ;~rfnsn] kfpg] dfl;s kfl/>lds, a}7s
eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwf eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwf
b]xfo adf]lhd x'g5] g\ M b]xfo adf]lhd x'g5] g\ M
c= a}7s eQf c= a}7s eQf ;~rfns ;ldltsf] lhDd]jf/L

cWoIf M ?= @),)))÷– k|lt a}7s cWoIf M ?= #),)))÷– k|lt a}7s cg'?k ;~rfns ;ldltsf
;b:o M ?= !^,)))÷– k|lt a}7s ;b:o M ?= @$,)))÷– k|lt a}7s cWoIfHo" tyf ;~rfnsHo"x?sf]
oftfoft vr{ M jf:tljs oftfoft vr{ M jf:tljs kfl/>lds, eQf tyf
;'ljwfx?df ;d;fdlos
;dfof]hg ug{ cfjZos b]lvPsf]
x'gfn] .
cf= b}lgs e|d0f eQf cf= b}lgs e|d0f eQf ;~rfns ;ldltsf] lhDd]jf/L
cg'?k ;~rfns ;ldltsf
s_ g]kfndf M s_ g]kfndf M cWoIfHo" tyf ;~rfnsHo"x?sf]
!=sf7df8f}+÷kf]v/fM !=sf7df8f}+÷kf]v/fM kfl/>lds, eQf tyf
?=!),))) ÷– b}lgs ?=!%,))) ÷– b}lgs ;'ljwfx?df ;d;fdlos
@=cGo :yfgM @=cGo :yfgM ;dfof]hg ug{ cfjZos b]lvPsf]
?= *,)))÷– b}lgs ?= !@,)))÷– b}lgs x'gfn] .
v_ ef/tdfM v_ ef/tdfM
!=dxfgu/Lo zx/x?dfM !=dxfgu/Lo zx/x?dfM
ef=?= !%,)))÷– b}lgs ef=?=@@,%))÷– b}lgs
@=cGo zx/x?dfM @=cGo zx/x?dfM
ef=?= !),)))÷– b}lgs ef=?= !%,)))÷– b}lgs
u_ ljb]zdfM u_ ljb]zdfM
!=ef/t afx]s cGo ;fs{ b]zx?df !=ef/t afx]s cGo ;fs{ b]zx?df
USD !%) b}lgs USD @@% b}lgs
@=cGo PlzofnL b]zx?df @=cGo PlzofnL b]zx?df
USD @)) b}lgs USD #)) b}lgs
3=cGo b]zx?df 3=cGo b]zx?df
USD #)) b}lgs USD $%) b}lgs
gf]6 M ;~rfnsx?sf] e|d0fdf vfg]÷a:g] gf]6 M ;~rfnsx?sf] e|d0fdf vfg]÷a:g]

Joj:yf a}+sn] g} ldnfPsf] cj:yfdf b}lgs Joj:yf a}+sn] g} ldnfPsf] cj:yfdf b}lgs
e|d0f eQf k|bfg ul/g] 5}g . e|d0f eQf k|bfg ul/g] 5}g .
216
O= cGo ;'ljwfx? O= cGo ;'ljwfx? ;~rfns ;ldltsf] lhDd]jf/L
cg'?k ;~rfns ;ldltsf
s_ cWoIfnfO{ kqklqsf tyf s_ cWoIfnfO{ kqklqsf tyf cWoIfHo" tyf ;~rfnsHo"x?sf]
6]nLkmf]g÷df]afO{n eQf jfkt 6]nLkmf]g÷df]afO{n eQf jfkt kfl/>lds, eQf tyf
Psd'i6 ?= @),)))÷– k|lt dlxgf Psd'i6 ?= #),)))÷– k|lt dxLgf ;'ljwfx?df ;d;fdlos
tyf ;~rfnsnfO{ kqklqsf tyf tyf ;~rfnsnfO{ kqklqsf tyf ;dfof]hg ug{ cfjZos b]lvPsf]
6]nLkmf]g÷df]afO{n eQf jfkt 6]nLkmf]g÷df]afO{n eQf jfkt x'gfn] .
Psd'i6 ?=!&,)))÷– k|lt dlxgf . Psd'i6 ?=@%,%))÷– k|lt dlxgf .
v_ b'3{6gf aLdfM v_ b'3{6gf aLdfM
!=cWoIfsf] jflif{s aLdf z'Ns !=cWoIfsf] jflif{s aLdf z'Ns

?=^,))) ÷– df ga9\g] u/L . ?=(,))) ÷– df ga9\g] u/L .
@=;b:osf] jflif{s aLdf z'Ns @=;b:osf] jflif{s aLdf z'Ns

?=$,))) ÷– df ga9\g] u/L . ?=^,))) ÷– df ga9\g] u/L .
3_ cWoIf tyf ;~rfnsnfO{ 3_ cWoIf tyf ;~rfnsnfO{

:jf:Yo ljdf cGtu{t jflif{s ljdf :jf:Yo ljdf cGtu{t jflif{s ljdf
z'Ns ?= &$,)))÷– df ga9\g] z'Ns ?= @,%),)))÷– df ga9\g]
u/L . u/L .

nufgLstf{ ;DaGw
u'gf;f] ;Daf]wg nuflgstf{sf] ;'rgfsf] clwsf/

a}+ssf] @$cf}F jflif{s ;fwf/0f ;ef @)&*÷!@÷@) df cfdL{ != jflif{s ;fwf/0f ;ef ;DalGwt hfgsf/L ;fwf/0f ;ef
clkm;;{ Sna, eb|sfnL, sf7df8f}+}df ;DkGg ePsf] lyof] . ldltsf] @! lbg cl3 k|sfzg u/]sf] 5 . pQm ;'rfgfdf
5nkmn ;qdf z]o/wgL dxfg'efjx?n] /fVg' ePsf] a}+ssf] ;fwf/0f ;efsf] ldlt, :yn, ;dosf ;fy} 5nkmnsf]
ljQLo tyf ;~rfng k|bz{g ;DalGwt u'gf;f] tyf lh1f;fsf] laifo;'rL lj:t[t ljj/0f klg k|sfzg u/]sf] 5 .
k|d'v sfo{sf/L clws[t /f]zg s'df/ Gof}kfg]n] ;Gtf]ifhgs @= a}+sn] jflif{s ljQLo ljj/0f, n]vfk/LIfs k|ltj]bg,
?kdf ;Daf]wg ug{' ePsf] lyof] . ;~rfns k|ltj]bg cfÇgf nuflgstf{sf] kx'rdf /fv]sf]
5 . pQm ljj/0f / k|ltj]bgx? nufgLstf{nfO{ ;lhn}
u'gf;f] btf{ ;+oGq pknAw u/fPsf] 5 .
!= nufgLstf{n] a}+ssf] j]a;fO{6 df uP/ cfÇgf] u'gf;f] btf{
ug{ ;Sg' x'G5 . #= jflif{s ;fwf/0f ;ef ;DalGwt ;'rfgf a}+ssf] j]a;fO{6df
klg pknAw u/fPsf] 5 .
@= a}+ssf] x6 nfO{g gDa/ !^^))!&&&&! df ;Dks{ u/L
u'gf;f] btf{ ug{ ;Sg' x'G5 . $= jflif{s ;fwf/0f ;ef ;DalGwt ;'rgfdf ;ef ;DalGwt
hfgsf/L / lgb{l] zsfx? ;dfj]z x'gs ' f ;fy} dtbfg k|so[ fsf]
nuflgstf{n] btf{ u/fpg' ePsf] u'gf;f]x? a}+sn] lg/Gt/ hfgsf/L pknAw u/fPsf] 5 . :jod\ pkl:yt x'g g;Sg]
cg'udg u/L ;dod} ;Daf]wg ub{} cfPsf] 5 . z]o/wgLn] k|fS] ;L lgo'lQm ug]{ Joj:yf pknAw u/fPsf] 5 .
218
zfvf ;~hfn
-k|ltj]bg tof/ x'Fbf ;Dd_
k|b]z ! uf}/bxf afudtL afnfh'

/dfOnf] bds rf]s ldr}{of hfjnfv]n
ef]hk'/ latf{df]8 uf}zfnf sf8f3fl/
n]6f· uf}l/u~h alb{af; :ofk|m'a]l;
/f]8z]if rf]s bds rf]s lghu9 afn'jf6f/
em'Dsf lbËnf wg'iffwfd k'/fgf] g}sfk
O{nfd ufO{3f6 an/f sfnf]k'n
/fgLldN; P/Lof b'xjL ljZjf zfvf ;+fv'
emfkf ahf/ lbQm]n xl/jg afnsf]6
O6x/L w/fg k|d'v zfvf dn+ujf k'/fgf] l7dL
;'?·f cf]vn9'·f lk8f/L rf]s skf]{/]6 clkm; zfvf
k':knfn rf]s lemnlemn] xl/k'/ ;+vd'n
Ogf?jf wgs'6f dx]Gb|gu/ – wg'iff afuahf/
zlgZr/] dfg]eGHofË lnÍ/f]8 k]lK;sf]nf
k|sfzk'/ lkmlbd xl/k'jf{ skg
pnf{af/L w'nfaf/L dxfb]jf ;f]x|v'§]
;Nn]/L Dof+Un'Ë lt?x6 ag]kf
kr?sL lxn] dxfu8LdfO{ kfFrvfn
rf/kfg] xf6 vf]nf ltgsf}l/of s'n]Zj/
6+sLl;gjf/L a'9Lu+uf dxfnIdL eujfgk'/ ;f}/fxf
kfv|Laf; dw]z k|b]z n+u8L aQL;k'tnL
rGb|u9L g/xf kgf}tL
j]njf/L /fhla/fh nf]xf/k§L s+nsL
kmfNu'gGb rf]s kfj/ xfp; rf]s–la/u+h hgsk'/ ;fdfv'zL
s]/fjf/L s6xl/of nfnaGbL zfvf an]kmL
a}s'+7] ;ux/f hL/fejgL kmlk{ª
km'lª\nª km]6f nxfg uf]7f6f/
s]rgf sjn sf]NxjL lhtk'/ ;fg]kf
a'4rf]s – ;'G;/L ;a}nf rGb|lgufxk'/ b/af/dfu{
ky/L kmQ]k'/ hu/gfyk'/ k'nrf]s
s6f/L sljnf;L rqm3§f uf]bfj/L ls6gL
ah{' ;D;L ;ftbf]jf6f]
l;/xf afudtL k|b]z
la/f6gu/ b'jfsf]6
sfsF8le§f sn}of /fdsf]6 k'tnL;8s
alnof a/yjf af}ynL uf]+ua'
la/f6gu/ d]g /f]8 l;d/f ejfgLk'/ Go"/f]8 ;'Gb/Lhn
t/x/f u?8f zfvf sf]6]Zj/ cgfdgu/
a'wjf/] aonaf; /fw]/fw] l;gfd+un
la/f6rf]s la/u+h aflgof6f/ uf]Nkm'6f/
u|fdyfd uf]nahf/ Gof}kfg] ufpF ;'s]wf/f
b]jfgu~h a+s'n ahf/ sf};n6f/ d+unahf/
latf{ahf/, emfkf ldlynf :joDe" l;Gw'nL zfvf
uf}/

===clwNnf] k[i7af6 lg/Gt/
zfvf ;~hfn
-k|ltj]bg tof/ x'Fbf ;Dd_
uh'/L eLdkm]bL bdf}nL enjf/L s0ff{nL k|b]z

;t'+un nugv]n kfn'ª6f/ sf]xnk'/ ;'v]{t
df5fkf]v/L w'lnv]n b'DsLaf; 3f]/fxL ?s'd
l;tfkfO{nf a]qfjtL la/f}6f g]kfnuGh >Lgu/
Ujfsf]{ eQmk'/ b'n]uf}8f tD3f; 8lNnahf/
1fg]Zj/ rfalxn ledfb 8«fOe/ 6f]n b}n]v
dgd}h' x]6f}+8f bnbn] h'd|L d'u'
l8lNnahf/ a6f/ n]s;fO{8 kf]v/f tf}lnxjf h'Dnf /f]8
uLtfgu/ g/]kmf6 c?0fvf]nf a]naf; h'Dnf zfvf
5]qkf6L rfkfufpF s[lif h+u/jf hfh/sf]6
dgx/L xflsd rf]s cd/fk'/L tfdgu/ sflnsf]6
ldqkfs{ a'9flgns07 sfjf;f]tL a'4rf]s
uN5L gf/fo0f3f6 cd/l;+x rf]s jgjfl6sf ;'b'/ klZrd k|b]z
6\of·nfkmfF6 rgf}nL s'Zdf tfg;]g ;fFkm]au/
dGyln yfgsf]6 cfFa'v}/]gL a'6jn kf6g
lqk'/]Zj/ af]8] u}8fsf]6 k/f;L 88]Nw'/f
v;Lahf/ gfukf]v/L n]vgfy t'n;Lk'/ k'gaf{;
6]s' rl/sf]6 uf]/vf ab{3f6 j]bsf]6
dWo afg]Zj/ ynL n'lDagL k|b]z ks8L kxndfgk'/
lqz'nL af]x/f6f/ u}+8fxjf aemf·
v'dn6f/ gofF /f]8–lazfn ahf/ /fd dlGb/ – a'6jn afF;u9L l6sfk'/
6f]vf rNgfv]n dl0fu|fd l;of/L afx'lgof
dxf/fhu~h af}4 lz;xlgof u9jf lbkfon
lrtjg Go" afg]Zj/ /fhdfu{ rf}/fxf axfb'/u~h afh'/f
vf]sgf sdnfbL d'lu{of lbªu/gu/ nDsL
6fF8L k~rsGof, g'jsf]6 ndxL uf]lku+h bf]wf/f rfFbgL
dxfb]ja];L ;Demgf rf]s b]jLgu/ rf}dfnf
lslt{k'/ u08sL k|b]z du|fu9L ldng rf]s bfr{'nf
vf8Lrf}/ 8'd|] nagL v}/]gL wgu9L rf}/fx
7d]n gf}8fF8f ;f}km;f{l6sf/ b]jsf]6f rf]s cQl/of
e}l;kf6L a]gL dxf/fhu+h – slknj:t' lhtk'/ $ wgu9L xl:k6n nfO{g
lsnfun Go' /f]8 kf]v/f n'lDagL vh'/f dx]Gb|gu/
vfgLvf]nf a];L;x/ ;fnemfl08 bLkgu/ x;'lnof
7'nf]e¥ofË gofF k'n e'/LufpF lkk|xjf rf]s hf]zLk'/
ef]6flx6L a'9L ahf/ Oldlnof wswsL
ltGr'nL jfln· ;'gjn c3f{vfFrL
wflb· a];L afemkf6g e}/xjf lnjª
9'+u]wf/f g;{/L rf]s k;f{ofË rGb|f}6f z+s/k'/
eG8f/f afUn'· ?b|k'/ dfemujf
nflhDkf6 kf]v/f e'dxL lqe'jg rf]s
wfs]{ au/ sf]l7xfjf zflGtrf]s zfvf
a;]gL kfj/xfp; rf]s ?s'dsf]6 dl0fu|fd $
220
sf7df8f}+, g]kfn
k|j]z kq
!= z]o/wgLsf] gfd M
@= 7]ufgf M
#= z]o/wgL kl/ro ÷ lxtu|fxL vftf g+= M
$= z]o/ k|df0fkq g+= M
%= lnPsf] z]o/ ;+Vof M
>L Pg cfO{ ;L Plzof a+}s ln= sf] ldlt @)&(÷)(÷@( df x'g] @%cf}+ jflif{s ;fwf/0f ;efdf pkl:ylt x'g hf/L ul/Psf]
k|j]z kq .
b|i6Ao M
;efsIfdf k|j]z ug{ of] k|j]z kq clgjfo{ ?kdf lnO{ cfpg x'g cg'/f]w 5 .
cGoyf ;efsIfdf k|j]z ug{ kfO{g] 5}g . lbk]g sfsL{
sDkgL ;lrj
k|f]S;L kmf/fd
>L ;~rfns ;ldlt
sf7df8f}+, g]kfn .
ljifo M k|ltlglw lgo'Qm u/]sf] jf/] .
dxfzo,
========================lhNnf ============================ d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+= ======== a:g] d÷xfdL ========
===================================================================== n] To; sDkgLsf] z]o/wgLsf] x}l;otn] ldlt @)&( k'; @( ut],
z'qmaf/sf lbg x'g] kRrL;f}+ jflif{s ;fwf/0f ;efdf d÷xfdL :jo+ pkl:ylt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn]
pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu ===================== lhNnf ======================
d=g=kf=÷p=d=g=kf=÷g=kf=÷uf=kf= j8f g+= ========a:g] >L ====================================================================== nfO{
d]/f]÷xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5'÷k7fPsf 5f}+ .
k|f]S;L lng]n] eg]{ k|f]S;L lbg]n] eg]{

k|ltlglw lgo'Qm ePsf] JolQmsf] lgj]bs M
x:tfIf/sf] gd'gf M b:tvt M
gfd M z]o/ k|df0fkq gDa/ M
z]o/wgL kl/ro gDa/÷ l8Dof6 vftf g+= M z]o/wgL kl/ro gDa/÷ l8Dof6 vftf g+= M
z]o/ ;+Vof M
ldlt M
l6kf]6
l6kf]6

Nic Asia Annual Report 2078 - 79 Fy

Uploaded by

Copyright:

Available Formats

Nic Asia Annual Report 2078 - 79 Fy

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Nic Asia Annual Report 2078 - 79 Fy

Uploaded by

Copyright:

Available Formats

ljifo ;"rL

!= ;fwf/0f ;ef ;DaGwL ;"rgf =================================================================================================== !

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

5nkmn tyf lg0f{osf nflu lgwf{l/t ljifo;"rL M

-v_ ljz]if k|:tfj

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 1

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 3

>L t'n;L/fd cu|jfnHo" g]kfnsf] Ps ;kmn, s'zn, k|jn

>L cu|jfnHo"sf] cfly{s / ;fdflhs of]ubfgnfO{ sb/ ub{}

ljut rf/ bzs b]lv >L lqnf]s rGb cu|jfnHo" pBf]u,

a}+ssf] ljleGg ;~rfns :t/sf ;ldltx?df pxf“ b]xfo

>L lqnf]s rGb cu|jfn

;~rfns >L /fdrGb| ;+3O{Ho" g]kfn pBf]u jfl0fHo dxf;+3

>L /fdrGb| ;+3O{

>L cflbTo s'df/ cu|jfnHo" Ps s'zn o'jf Joj;foL x'g'x'G5 .

a}+ssf] ljleGg ;~rfns :t/sf ;ldltx?df pxfF b]xfo

;DklQ z'¢Ls/0f lgjf/0f ;DaGwL ;ldlt ;+of]hs

a}+ssf] ljleGg ;~rfns :t/sf ;ldltx?df pxfF b]xfo

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 7

>L s]zjk|;fb nD;fnHo";Fu emG8} tLg bzseGbf a9L ;do

a}+ssf] ljleGg ;~rfns :t/sf ;ldltx?df pxfF b]xfo

>L s]zjk|;fb nD;fn sd{rf/L ;]jf ;'ljwf ;ldlt ;+of]hs

s'n ;DklQ -/sd ? bz nfv_

74-75 75-76 76-77 77-78 78-79

s'n shf{ -/sd ? bz nfv_

74-75 75-76 76-77 77-78 78-79

s'n lgIf]k -/sd ? bz nfv_

74-75 75-76 76-77 77-78 78-79

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 9

74-75 75-76 76-77 77-78 78-79

s'n ;~rfng cfDbfgL -/sd ? bz nfv_

74-75 75-76 76-77 77-78 78-79

v'b gfkmf -/sd ? bz nfv_

3,023 3,099 3,259

74-75 75-76 76-77 77-78 78-79

74-75 75-76 76-77 77-78 78-79

O{lSj6Ldf k|ltkmn -k|ltzt_

74-75 75-76 76-77 77-78 78-79

k|lt z]o/ cfDbfgL -/sd ?=_

74-75 75-76 76-77 77-78 78-79

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 11

19.01 17.34 19.10

74-75 75-76 76-77 77-78 78-79

ahf/ d"No k|lt z]o/ -/sd ?=_

74-75 75-76 76-77 77-78 78-79

s'n kF"hL kof{Kttf -k|ltzt_

74-75 75-76 76-77 77-78 78-79

art vftf 8]la6 sf8{ qm]l86 sf8{

O{G6/g]6 a}+ls· df]afOn a}+ls· l8Dof6 vftf

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 13

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 15

To;}u/L, zfvfx?df Cash Deposit Machine, Cash

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 17

;fy}, a}+snfO{ o; cj:yfdf Nofpg pNn]Vo of]ubfg

>L t'n;L/fd cu|jfn

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 19

Pg cfO{ ;L Plzof a}+s ln= jflˆ{s k|ltj]bg @)&*÷&( 21

To:t} u/L a}s

Tier 1 Ratio (%) 8.66 8.24 8.35 7.36 8.80

;dLIff cjlwsf] ldlt @)&÷)$÷@ b]lv ldlt @)&*÷)%÷!) ;Dd

;dLIff cjlwsf] ldlt @)&÷)%÷!! b]lv ldlt @)&÷)%÷@& ;Dd

;dLIff cjlwsf] ldlt @)&÷)%÷@ b]lv ldlt @)&*÷)&÷!! ;Dd

;dLIff cjlwsf] ldlt @)&÷)&÷!@ b]lv ldlt @)&÷!@÷@) ;Dd

;dLIff cjlwsf] ;'?jft ldlt @)&÷)$÷)! b]lv ldlt @)&÷)&÷!! ;Dd

ldlt @)&÷)&÷!@ b]lv ldlt @)&÷)÷)

ldlt @)&÷)÷)( b]lv ldlt @)&*÷!@÷@)