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LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8
o; Plzog nfO{km OG:of]/]G; sDkgL ln= sf] ldlt @)&!÷)!÷@( -tbg';f/ ck|]n !@, @)!%_ ut] a;]sf] ;+rfns
;ldltsf] (! cf}+ a}7ssf] lg0f{ofg';f/ ;ftf}+ jflif{s ;fwf/0f ;ef lgDg ldlt, :yfg / ;dodf lgDg ljifox? pk/
5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu cg'/f]w ub{5' .
s_ ;fwf/0f k|:tfj
!= cfly{s jif{ @)&)÷&! sf] ;+rfns ;ldltsf] k|ltj]bg 5nkmn / kf/Lt ug]{ .
@= n]vfk/LIfssf] k|ltj]bg ;lxt cf=j= @)&)÷&! cfiff9 #!, @)&! ;Ddsf] jf;nft, gfkmf÷gf]S;fg lx;fa, ;f]xLcjlwsf] gub k|jfxsf] ljj/0f -;+nUg cg'';"lrx? ;lxt_ kfl/t ug]{ .
#= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cfly{s jif{ @)&!÷&@ sf] nflu n]vfk/LIf0f ;ldltsf] l;kmf/L; adf]lhdn]vfk/LIfs lgo"Qm ug]{ / lghsf] kfl/>lds lgwf{/0f ug]{ -jt{dfg n]vfk/LIfs >L lk=cf/=s]= Pzf]l;o6\;, rf6{8{PsfpG6]G6\;, l;=P= >L k|lj0f /fh sfkm\n] k"gM lgo'Qm x'g of]Uo x'g' x'G5 .
$= ;+rfns ;ldltaf6 af]g; z]o/sf] s/ k|of]hgfy{ k|:tfljt ?= 78,19,454.00 gub nfef+z kfl/t ug]{ .
%= lgodfjnLsf] bkmf #@=! df ;+zf]wg ug]{ af/] .
v_ ljz]if k|:tfj
!= ;+rfns ;ldltn] l;kmfl/; u/] adf]lhd cf=j @)&)÷&! sf] d'gfkmfaf6 xfn sfod r'Qmf k"FhL ?= 52,12,96,900.00sf] @*=%) k|ltztn] x'g] ?= 14,85,69,617.00 a/fa/sf] af]g; z]o/ ljt/0f ug]{ k|:tfj kfl/t ug]{ .
@= sDkgLsf] xfn sfod hf/L tyf r'Qmf k"FhL j[l4 ug]{]{ k|:tfj kfl/t ug]{ .
#= sDkgLsf] k|aGwkq / lgodfjnLdf cfjZos ;+zf]wg ug]{ . pQm ;+zf]wgdf lgodgsf/L lgsfon] s'g} x]/km]/ jf;+zf]wg ug{ lgb]{zg lbPdf ;f] adf]lhd cfjZos ;dfof]hg ug{ sDkgLsf] ;+rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .
u_ lalaw
5nkmnsf] ljifo;"lr -Ph]08f_M
;+rfns ;ldltsf] cf1fn]
sDkgL ;lrj
;ftf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf
ldlt M @)&@÷)@÷@$ ut] cfOtaf/ -tbg';f/ h'g )&, @)!% cfOtaf/_
:yfg M xf]6n leZjf, aL/u+h
;do M !!=)) ah]
;ef x'g] ldlt, :yfg / ;doM
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
2
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/Lx¿
!= sDkgLsf] z]o/ bfv]n vf/]h olx ldlt )&@÷)@÷!) b]lv )&@÷)@÷@$ ut];Dd aGb /xg]5 . z]o/ bflvn vf/]haGb ul/Psf] ldlt eGbf cufj} k'/f lbg;Dd g]kfn :6s PS:r]Gh ln= df sf/f]jf/ eO{ ;f]sf] & sfo{ lbg leqbflvn vf/]hsf] nflu z]o/ /lhi6«f/ l;len Soflk6n dfs]{6 ln= sdnfbLdf k|fKt ljj/0fsf] cfwf/df gfd;f/Lsf]/]s8{ sfod u/fOg] 5 .
@= ;efdf efu lng O{R5's z]o/wgL dxfg'efjx?n] k|j]z kqsf ;fy z]o/ k|df0fkq / cfˆgf] kl/ro v'Ng] k|df0f-gful/stf jf cGo s'g} kl/rokq_ clgjfo{ ?kdf ;fydf lnO{ cfpg cg'/f]w ub{5f}+ .
#= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk"0f{ z]o/sf] k|ltlglw Pp6} JolQm -ljefhg gx'g]u/L_ x'g] u/Lk|ltlglw – kq -k|f]S;L kmf/d_ e/L sDkgLsf] k|wfg sfof{nodf ;ef z'? x'g'eGbf $* 306f cufl8 btf{ u/L ;Sg'kg]{5 .
$= Ps} z]o/wgLn] Ps eGbf al9 k|ltlglw -k|f]S;L_ lgo'Qm ug'{ ePsf] cj:yfdf klxnf] btf{ x'g] k|f]S;L dfGo x'g]5 .To;kl5 cfpg] k|f]S;L :jtM ab/ jf cdfGo x'g]5 .
%= ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgL :jo+ ;efdf pkl:yt x'g rfx]df z]o/wgLn] ;ef z'? x'g' eGbf $* 306f cuf8L ;f] Joxf]/fsf] lnlvt kq k|wfg sfof{no, d}tLb]jLdf btf{ ug{' kg]{5 .
^= gfjfns jf ljlIfKt z]o/wgLsf] tkm{af6 o; sDkgLsf] z]o/ nut lstfjdf ;+/Ifssf] ?kdf gfd btf{ ePsf]JolQmn] ;efdf efu lng jf k|ltgLlw tf]Sg ;Sg' x'g]5 . t/ ;+/Ifs cfkm}+ ;+rfnsdf pDd]bjf/ x'g / cfkm';+/Ifs /x]sf] z]o/jfnfsf] afx]s cGo z]o/jfnfsf] k|ltlglwTj ug{ jf k|f]S;L ;+sng ug{ kfpg] 5}g .
&= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf laxfg !)M#) ah] v'Nnf /xg] 5 . ;efdf efu lng] z]o/wgLn] ;ef sIfdf cfkm}+ pkl:yt eO{ b:tvt ug'{ kg]{5 .
*= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf cflwsf/Ls k|ltlglwn] z]o/jfnfsf] x}l;otn] ;efdf efulng ;Sg' x'g]5 . k|f]S;Lsf] xsdf klg ;f]xL Joj:yf nfu' x'g]5 .
(= ljljw zLif{s cGtu{t z]o/wgL dxfg'efjx?nfO{ 5nkmn ug'{ kg]{ ePdf ;ef x'g' eGbf & -;ft_ lbg cufj}lnlvt ?kdf cWoIfnfO{ ;Daf]wg u/L k|wfg sfof{no d}ltb]jL sf7df8f}+df btf{ ug'{kg]{ 5 . t/ ;f] laifo 5nkmn/ kfl/t x'g] k|:tfjsf] ?kdf ;dfj]z ul/g] 5}g .
!)= z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg] 5 .s'g} sf/0fjz pQm k'l:tsf gkfpg' ePdf sDkgLsf] k|wfg sfof{no Plzog nfO{km ejg d}ltb]jL sf7df8f}+ tyfclw/fHo e/L /x]sf @) j6f zfvf sfof{nox?af6 k|fKt ug{ ;lsg] 5 . ;fy} ;efsf] ;"rgf / ljQLo ljj/0fsDkgLsf] j]e;fO{6 www.asianlife.com.np df klg /flvPsf] 5 .
!!= cGo hfgsf/Lsf] nflu sDkgLsf] k|wfg sfof{no Plzog nfO{km ejg, d}tLb]jL, sf7df8f}df ;Dks{ /fVg' x'gcg'/f]w 5 .
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8
LifeInsuranceCom pany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
3
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
>L ;~rfns ;ldlt
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8k|wfg sfof{no—Plzog nfOkm ejg, d}ltb]jL, sf7df8f}+, g]kfn .
dxfzo,
==============================lhNnf=================================g=kf=÷uf=lj=;===================================j8f g+======================a:g]
d÷xfdL=================================================n] To; sDkgLsf] z]o/wgLsf] x}l;otn] @)&@ ;fn h]i7 @$ ut] cfOtaf/sf lbg x'g]
sDkgLsf] ;ftf}+ jflif{s ;fwf/0f;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf
dtbfg ug{sf] nflu ========================= lhNnf ===========================g=kf=÷uf=lj=; ============================j8f g+==============a:g] To;
sDkgLsf z]o/jfnf >L ========================================================================================== nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L
k7fPsf] 5'÷5f}+ .
k|f]S;L lbg]n] eg]{
b:tvtM
gfdM
kl/ro g+=
z]o/ k|df0fkq g+=M
z]o/ ;+VofM
ldltM
z]o/wgLsf] gfdM======================================================================z]o/ k|df0fkqdf pNn]lvt kl/ro g+======================
z]o/ ;+Vof===========================ldlt @)&@ ;fn h]i7 @$ ut] cfOtaf/ x'g] Plzog nfO{km OG:of]/]G; sDkgL lnld6]8 sf]
;ftf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]zkq .
b|i6JoM
!= z]o/wgL cfkm}+n] vfnL sf]i7x? eg'{ xf]nf .
@= ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug'{ clgjfo{ 5 .
=================================
z]o/wgLsf] b:tvt
=================================
sDkgL ;lrj
k|f]S;L kmf/fd
k|j]z kq
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
5
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cfb/l0fo z]o/wgL dxfg'efjx?,Plzog nfO{km OG:of]/]G; sDkgL lnld6]8sf] cfh ;DkGg x'g uO/x]sf] ;ftf}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{
z]o/wgL dxfg'efjx? Pj+ cfdlGqt cltly dxfg'efjx?nfO{ ;+rfns ;ldlt / d cfk\mgf] tk{maf6 xflb{s :jfut clejfbgub{5' .
;j{k|yd oxL @)&@ ;fn j}zfv !@ ut] cfPsf] dxfljgf;sf/L e'sDkdf k/L lbj+ut x'g' ePsf d[t cfTdfsf] lr/zflGtsf] sfdgf ub}{ d[tssf zf]sfs'n cfkmGt hgdf kg{ uPsf] o:tf] ljkQLsf] 38Ldf w}o{ wf/0f ug{ jxfFx?nfO{ zltm k|bfgu?g\ egL d O{Zj/;Fu k|fygf ub{5' . dxfljgf;sf/L e'sDkaf6 b]zdf c/af} /sd / *^)) eGbf a9L JolQmx?sf] b'''Mvb lgwgx'g uPsf] 5 eg] @!,))) xhf/ eGbf a9L JolQmx? 3fOt] ePsf 5g\ . o:tf] dxfljkQsf] cj:yfdf hLjg aLdf sDkgLx? /lghL{jg aLdf sDkgLx?sf] dxTj / e"ldsf cem a9L lhDa]jf/L k"0f{ x'G5 . oBlk hLjg aLdf / lghL{jg aLdf sDkgLx?n] o:tf]dxfljkQLdf k/L hgwgsf] IftL ePsf]df ;a} IftL sDkgL :jo+n] dfq a]xf]g{' kb}{g lsgeg] dxfljkQLaf6 x'g] gf]S;fgLsf] nfluk|fo ;a} aLdf sDkgLx?n] dxfljkQL (Catastrophe) ;'/If0f u/fO{ /fv]sf x'G5g\ . dxfljkQLaf6 x'g] gf]S;fgLsf] nflu o;sDkgLn] klg ljZj laVoft A+ /]l6Ë ePsf] l/OG:of]/ ]G; sDkgL Score Global Life SE Singapore af6?= ##,$),)),)))÷– -t]QL; s/f]8 rfln; nfv_ sf] dxfljkQL (Catastrophe) ;'/If0f u/fO{ /fv]sf] 5 h;df sDkgLsf] v'bwf/0f (Retention) !) hgf aLldt / ?=@),)),)))÷– -aL; nfv_ /x]sf] 5 . ;f] cg';f/ sDkgLdf yk cfly{s bfloTj kg{;Sg] ;Defjgf cToGt Go"g b]lvG5 . ;fy} sDkgLn] cf=j= @)&).)&! Dff dxfljkQL sf]ifdf ?=!,&$,(!,@@%.$) -Pss/f]8 rf}xQ/ nfv PsfGJa] xhf/ b'O{ ;o kRrL; / k};f rfnL;_ ;d]tsf] Joj:yf u/]sf] 5 .
o;} qmddf cfhsf] o; ul/dfdo ;efdf sDkgLsf] cfly{s jif{ @)&).&! df ;DkGg ePsf] sf/f]jf/sf] ;ldIff u/LefjL sfo{qmd th'{df ug{ oxfFx?n] dfu{ bz{g u/fpg' x'g]5 eGg] s'/fdf ljZj:t x'Fb} ;ftf}+ jflif{s k|ltj]bg tyf cf=j=@)&).&!sf] jf;nft, gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f / ;DalGwt cg';"lrx? cfhsf] ;efdf cfjZos 5nkmn eO{ kfl/t x'g]5egL cfzf lnPsf] 5' .
cfb/gLo z]o/wgL dxfg'efjx?,ljZj JofkL cfly{s dGbL, b]zdf ljBdfg t/n /fhgLlt, Joj:yfkg–>lds ljjfb, nf]8;]l8Ë, aGb x8tfn cflb
h:tf la;+ultx?Aff6 o; jif{ klg b]z c5'tf] /xg ;s]g h;sf] sf/0fn] ljutdf em} o; jif{ klg b]zn] cfly{s ultljlwdf;sf/fTds df]8 lng g;s]sf] cj:yfdf klg sDkgLn] o; cf=j=df klg ljutsf] t'ngfdf sf/f]jf/df s]xL j[l4 u/L aLdf If]qdfcfk\mgf] ;dsIfL sDkgLx?dWo] cu|:yfgdf /xg ;kmn ePsf]] 5 .
sDkgLn] :yfkgfsf] & jif{sf] cjlwdf cyf{t\ @)&! r}q d;fGt;Dddf ?= % ca{ %) s/f]8 $ nfvsf] hLjg aLdf sf]if/ ?=% ca{ &* s/f]8 !( nfv nufgL tyf shf{df /x]sf]] 5 . To:t} u/L sDkgLn] rfn' cf=j= sf] a}Zffv d;fGt ;Dddf s"n?=! ca{ @* s/f]8 $( nfv !@ xhf/ aLdf z'Ns cfh{g ul/;s]sf] 5 . o; cjwL;Dddf sDkgLn] gofF Jojzfodf sl/a $$k|ltztn] j[l4 xfl;n u/]sf] 5 . oBkL sDkgLn] sl/a ^) k|ltztn] j[l4 xfl;n ug]{ nIo lnPsf] lyof] t/ dxfljgfzsf/Le'sDksf] sf/0fn] pQm nIo xfl;n ug]{ k|of;df s]xL k|ZglrGx b]vf k/]sf] 5 . sDkgLn] k|To]s cf=j= df aLdfÍLo d"NofÍgu/fpg' kg]{ k|fjwfg adf]lhd aLdfÍLo d"NofÍgaf6 cfly{s jif{ @)&).&! sf] nflu gofF af]g; b/ ;d]t sfod ePsf] 5 .xfnsf] af]g; b/ cGo ;dsIfL sDkgLx? dWo] ;a} eGbf a9L x'g'sf] ;fy} s]xL 6d{ / of]hgfx?sf] af]g; b/ t'ngfTds ?kn]cGo hLjg aLdf sDkgLx? dWo] ;a} eGbf a9L /x]sf] 5 . o;sf ;fy} sDkgLn] o; cfly{s jif{sf] ;d]t d'gfkmfaf6 s/ afx]s@*=%) k|ltztn] af]g; z]o/ ljt/0f ug]{ k|:tfj u/]sf]5 . cfzf 5 oxfFx?n] pQm k|:tfjsf] ;dy{g ug{' x'g]5 .
;ftf}+ jflif{s ;fwf/0f ;efdf;+rfns ;ldltsf] tkm{af6 k|:t't\
cWoIfHo"sf] jflif{s k|ltj]bg
cf=j=@)&)÷@)&!
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
6
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cfb/0fLo z]o/wgL dxfg'efjx?,g]kfnsf] kl/k|]Iodf aLdf Joj;fo afd];b}{sf] cj:yfdf /x]sf] sf/0f o;sf] ;DefAotf lgs}g} a9L 5 . s]xL ;do cl3
ul/Psf] Ps cWoog cg';f/ g]kfndf xfn @* b]lv #) k|ltzt JolQmx? aLdf ug{ of]Uo /x]sf]df ;f]sf] sl/a !) k|ltzt;Dddfq JolQmx?n] aLdf u/fPsf 5g\ . t/ of] !) k|ltztdf j}b]lzs /f]huf/Ldf hfg] JolQmx?n] u/fPsf] hLjg aLdf / bf]xf]/f]hLjg aLdfsf] ;+VofnfO{ 36fpg] xf] eg] b]zdf hLjg aLdf u/fpg]sf] ;+Vof sl/a %–^ k|ltzt x'g cfpF5 . o;sf] cy{ xf] aLdfu/fpg of]Uo JolQmx?dWo] cem} klg sl/a ($–(% k|ltzt JolQmx?df aLdf ;]jf k'Ug ;s]sf] 5}g . tzy{ sDkgLn] hLjgaLdfsf] kx'Fr b]zsf] s'gfsfKrf;Dd km}nfpg hLjg aLdf sDkgLsf] ;+jfxssf] ?kdf /x]sf clestf{x?sf] dxTjk"0f{ e"ldsfnfO{dWogh/ ub}{ jxfFx?nfO{ pTk|]l/t u/L jxfFx?sf] sfo{z}nLdf k|efjsfl/tf Nofpg cem u'0f:tl/o clestf{ tflnd / clestf{k'g{tfhuL tflnd ;+rfng ub}{ nlug] gLlt lnOPsf] 5 . xfn k|lt:kwf{Tds ahf/df sDkgLn] ahf/ gLlt cGtu{t aLdfn]vlaqmLsf] ;+VofTds eGbf u'0ffTds a[l4sf] gLltnfO{ lg/Gt/tf g} lbO/x]sf] 5 eg] sDkgLn] sf/f]jf/ a[l4sf] ;fy;fy} aLldlt tyfu|fxsx?nfO{ ;/n, ;xh / u'0ffTds ;]jf k|bfg ug]{ gLlt ;d]t lnPsf] 5 . aLldtx?nfO{ ;dofg's"n ;]jf k|bfg ug{ tyfjxfFx?sf] rfxgf cg''?k k|To]s jif{ gofF gofF aLdf of]hgf Nofpg]] gLlt cg'?k o; cfly{s jif{df sDklgn] æwg ;d[l4Æ hLjgaLdf of]hgf ahf/df NofO{ ;lsPsf] 5 . o; of]hgfsf] d'Vo ljz]iftf aLldtn] ;Lldt cjlw;Dd dfq aLdf z'Ns e'QmfgL ug{ldNg] tyf tf]lsPsf] k|ltztdf k6s–k6s aLdfÍ /sd lkmtf{ x'g], Psn aLdfz'Ns e'QmfgLdf aLdfÍsf] @=% u'0ff hf]lvd axgx'g] tyf aLldtsf] t/ntf Joj:yfkgdf ;xhtf x'g] cflb . o;sf cltl/Qm sDkgLsf] eljiodf yk ljz]iftf ;lxtsf] aLdfof]hgf Nofpg] of]hgf ;d]t /x]sf] 5 .
sDkgLn] hLjg aLdfsf] Joj;fo a[l4 ug]{ ;Gbe{df aLdfn]v hf/L ug]{ sfd dfq gu/L aLldtx?sf] ;]jf / ;'/lIfteljiosf] nflu bfjL e'QmfgLnfO{ ;d]t k|fyldstf lbg] gLlt lnPsf] 5 . o;} ;Gbe{df @)&@ ;fn j}Zffv !@ ut] uPsf]ljgf;sf/L dxfe'sDkdf k/L d[To' ePsf JolQmx?sf] O{R5fPsf] xsjfnfaf6 bfjL ePsf] Ps 306f leq} Go"gtd sfuhftx?sf]cfwf/df ;/n / ;xh tl/sfn] bflj e'QmfgL ul/g] gLlt ;d]t lnOPsf] 5 .
;fy} ;+:yfut ;fdflhs pQ/bfloTj (Corporate Social Responsibility) cGtu{t sDkgLn] @)&@ ;fn j}Zffv !@ut] uPsf] dxfljgf;sf/L e'sDkdf / ;f] kZrft\ @)&@ ;fn j}Zfv @( ut] uPsf] e'sDk / k/fsDkgaf6 ePsf] Jofkshgwgsf] gf]S;fgLaf6 lkl8tx?sf] ;xof]ufy{ >L aLdf ;ldlt dfkm{t g]kfn ;/sf/, k|wfgdGqL b]aL k|sf]k p4f/ sf]ifdf hDdfx'g] u/L ?=kfFr nfv P3fx| xhf/ Ps ;o P3fx| ?k}ofF sDkgLsf] tkm{af6 tyf sDkgLsf] ;Dk"0f{ sd{rf/Lx?sf] tkm{af6 ;+sngePsf] % lbgsf] tna a/fa/sf] ?sd ? !),$),(&&÷– dWo] ?=#,)!,!!!÷– >L aLdf ;ldlt dfkm{t g]kfn ;/sf/, k|wfgdGqLb]aL k|sf]k p4f/ sf]ifdf hDdf x'g] u/L ;xof]u k|bfg ul/Psf] tyf afFsL ?= &,#(,*^^÷– /sd ljgf;sf/L dxfe'sDkaf6 d[To'ePsf sd{rf/Lx? / sDkgLsf ;lqmo clestf{x?sf] lkl8t kl/jf/ / 3/jf/ ljlxg ePsf sDkgLsf sd{rf/Lx?nfO{ /fxt:j?k s]xL cfly{s ;xof]u ug]{ p2]Zon] Ps 5'§} sf]if v8f ul/Psf] 5 . o;/L /fi6«nfO{ k/]sf] 7"nf] ;+s6 / laktsf] a]nfdf o;sDkgLsf sd{rf/Lx?af6 b]vfPsf] ;xof]u efjgfsf] sb/ ub}{ ;+rfns ;ldlt / d :jo+sf] tkm{af6 jxfFx?nfO{ xflb{s wGojfblbg rfxG5' . o;sf ;fy} dxfljgf;sf/L e'sDkaf6 a9L k|efljt lhNnfx?dWo] wflbË, g'jfsf]6 / /;'jfdf uP/ sDkgLsf]tkm{af6 kfn, rfdn, bfn, g"g, t]n, lrp/f ;d]t ljt/0f ul/Psf] 5 .
;+:yfut ;fdflhs pQ/bfloTj (Corporate Social Responsibility) cGtu{t g} sDkgLn] ;ftf}} jif{ k"/f u/L cf7f}+jif{ k|j]zsf] pknIodf sd{rf/Lx?af6 /Qmbfg u/]sf], >L kz'ktLgfy dlGb/ kl/;/df /x]sf] j[4 cf>dsf] ;/;kmfO{ ug{'sf] ;fy};f] cf>ddf /x]sf j[4j[4fx?nfO{ laxfgsf] Ps 5fs ef]hg u/fpg'sf] ;fy} j[xt afUdtL ;kmfO{ dxfcleofgsf] !)) cf}+ xKtfdf;xefuL eO{ afudtL ;kmfO{ ul/of] .
cfb/0fLo z]o/wgL dxfg'efjx?,cfk\mgf aLldtx?nfO{ l56f] 5l/tf] ;]jf k|bfg ug]{ p4]Zon] sDkgLn] cfw'lgs ;"rgf k|ljlwsf] k|of]u ug{'sf] ;fy}
k|lalwdf ;do ;fk]If :t/f]GgtL ub}{ nUg] ul/Psf] 5 . xfn sDkgLn]]]] b]zsf] k"j{ d]rL b]lv klZrd dxfsfnL ;Dd u/L @) zfvf/ &@ pkzfvfx? dfk{mt aLldtx?nfO{ ;]jf k|bfg ub}{ cfO/x]sf] 5 eg] ;Dk"0f{ zfvfx? tyf clwsf+z pkzfvfx?af6aLldtx?n] cfkm"nfO{ kfos kg]{ zfvf pkzfvfaf6 aLdf z'Ns a'emfpg ;Sg] Joj:yf ul/Psf] 5 tyf eljiodf ;DefJotfePsf] :yfgx?df yk pkzfvfx? vf]Ng'sf] ;fy} cfw'lglss/0f ub}{ nUg] of]hgf sDkgLsf] /x]sf] 5 .
xfn sDkgLsf] k|wfg sfof{no sf=lh= sf=d=g=kf= d}tLb]jL, l:yt sDkgLsf] :jfldTjdf /x]sf] ejg sDkgLsf] sf/f]jf// hgzlQm j[l4sf] sf/0fn] ;f3'F/f] eO{ ck|ofKt ePsf]n] k|wfg sfof{no k|of]hgsf] nflu sDkgLn] sf=lh= sf=d=g=kf= jf8{ g+=!gS;fn eujtL dlGb/;Fu} /x]sf] #& cfgf If]qkmn /x]sf] hUuf ?=!#,&&,!$,@!)÷– -cIf/]kL ?= t]x| s/f]8 ;txQ/ nfv rf}w xhf/b'O{ ;o bz_ df sDkgLsf] gfddf vl/b ug{] k|lqmof clGtd r/0fdf /x]sf] 5 . pQm hUuf vl/b kZrft\ k|wfg sfof{nosf] nflu
7
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
laho s'df/ ;/fjuLcWoIf
ejg agfpg] of]hgf ;d]t /x]sf] 5 . yk l:y/ ;DklQ vl/bsf] sf/0fn] cfd hgtfsf] sDkgL k|lt ljZjf; a9\g uO{ eljiodfsDkgLsf] sf/f]jf/ a[l4 x'g] cfzf / ljZjf; lnPsf 5f}+ .
sDkgLsf] bL3{sflng ljsf; tyf ;kmntfsf] nflu s'zn Joj:yfkg ckl/xfo{ /xG5 . a9\bf] k|lt:kwf{Tds jftfj/0fdfsDkgLsf] cu|tf sfod /fVgsf] lgldQ lg/Gt/ ?kdf sd{rf/Lsf] ;Lk clej[l4 ug{ / pgLx?sf] dgf]jn pRr /fVg d2tk'¥ofpg] vfnsf cfGtl/s / afXo tflnd tyf sfo{qmd h'6fpg sDkgL k|oTglzn /x]sf] 5 . bIf tyf pTs[i6 / st{Jolgi6sd{rf/Lsf] plrt d"NofÍg tyf sb/ ug]{ Joj:yfnfO{ cem kl/dflh{t ub}}{ nlug] 5 .
xfd|f z]o/wgLx?af6 k|fKt c6'6 ljZjf;, ;dy{g / xf};nfn] sDkgLsf] sfo{ ;Dkfbg cem a9fpg / k|utL tkm{ pGd'vx'g xfdLnfO{ cl;d k|]/0ff ldn]sf] 5 ;fy} tkfO{x?sf] lg/Gt/ ;xof]uaf6 cfpFbf jif{x?df sDkgLn] cem a9L ;kmntf k|fKt ug]{s'/fdf xfdL ljZj:t 5f}+ .
cGtdf sDkgLn] cfˆgf] :yfkgfsfnsf] & jif{ leq aLdfn]v laqmL, clestf{ tflnd, zfvf tyf pkzfvf sfof{nolj:tf/ tyf Joj;fo clej[l4sf] nflu ;lqmo e"ldsf v]Ng' ePsf]df Joj:yfkg ;d"xsf ;Dk"0f{ sd{rf/L ju{ tyf clestf{x?nfO{awfO{ tyf z'esfdgf lbg rfxG5' . ;fy} xfdLnfO{ lg/Gt/ ?kdf cd"No dfu{ lgb]{zg / k/fdz{ lbO{ ;xof]u k'¥ofpFb} cfPsf>L aLdf ;ldlt, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s PS:r]Gh ln= nufot sDkgLsf] k|utLdf k|ToIfck|TIf ?kn] ;xof]u ug'{ x'g] ;Dk"0f{ z'elrGtsx?nfO{ xflb{s wGojfb lbg rfxG5' . ;fy} sDkgLsf] ultlalwnfO{ ;sf/fTds?kdf hg ;dIf k'¥ofO{ lbg] ;~rf/ hutdf ;d]t d xflb{s cfef/ JoQm ub{5' .
o;} ul/ xfd|f u|fxs dxfg'efjx?n] lg/Gt/ ?kdf xfdL k|lt b]vfpb} cfpg' ePsf] cfTdLotf, Gofgf] dfof / ljZjf;k|lt cfef/ k|s6 ub{5' . jxfFx? lagf xfdL g]kfnsf] Ps k|lt:kwL{ aLdf sDkgL aGg ;Sg] lyPgf} . xfdL jxfFx?nfO{ pRr:t/Lo / e/kbf]{ ;]jfsf] dfWodåf/f bL3{sflng kf/:kl/s kmfObfsf] ;DaGw lj:tf/ ug{ k|lta4 /x]sf] ljZjf; lbnfpb5f}+ .
cfb/0fLo z]o/wgL dxfg'efjx?, o; ul/dfdo ;efdf oxfFx?nfO{ k'gM xflb{s :jfut ub}{ eljiodf klg oxFfx?af6lg/Gt/ ;xof]u ;'emfjsf] ck]Iff ub{5' .
9
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
sDkgL P]g @)^# sf] bkmf !)( -$_ cg';f/ sDkgLn] cf=a= )&)÷&! sf] cjlwdf u/]sf] sf/f]jf/, k|fKt pknlAwx?,
cj;/ / r'gf}tLx? ;Gbe{df ;+rfns ;ldltsf] tkm{af6 k|ltj]bg tof/ u/L ;ftf}+ jflif{s ;fwf/0f ;efsf] cj;/ kf/]/ tkfO{+
z]o/wgL dxfg'efjx? ;dIf k|:t't ul/Psf] 5 .
!= cf=j= @)&).)&! sf] sf/f]jf/sf] l;xf+jnf]sg Mo; sDkgLn] cf=j= @)&).)&! df r'gf}ltk"0f{ / k|lts'n kl/l:yltsf afjh't aLldt, z]o/wlg tyf z'e]R5's dxfg'efjx?sf]
ljZjf;, ;xfg'e'lt Pj+ ;xof]u, sd{rf/L tyf Joj:yfkgsf] OdfGbf/Ltf, nuglzntf tyf s8f d]xgtsf sf/0f o; cfly{s
jif{df lgDgfg';f/sf] sf/f]jf/ ug{ sDkgL ;kmn ePsf] 5 .
s_ sf/f]jf/ ljj/0fM
v_ sDkgLsf] Joj;flos ;~hfn MsDkgLn] b]zJofkL?kdf cfkm\gf] ;+hfnnfO{ lj:tf/ ub}{ xfn;Dd d'n'ssf k|d'v @) :yfgx?M sf7df08f}, a'6jn, ljtf{df]8,gf/fo0fu9, lj/f6gu/, ;'v]{t, ag]kf, bfË, dx]G›gu/, bds, lbkfon, w/fg, jL/u+h, hgsk'/, g]kfnu+h, nxfg, kf]v/f,wgu9L, g'jfsf]6 / x]6f}8fdf zfvf sfof{no lj:tf/ ub}{ b]zsf] ;a} If]qdf aLdfsf] kx'Fr k'¥ofpg] p2]Zon] b]zsf] k"j{d]rLb]lv klZrd dxfsfnL;Ddsf sl/a ^& lhNnfdf &@ :yfgdf ;d]t pkzfvf sfof{no :yfkgf u/L b]z e/ hDdf (#:yfgaf6 aLdf ;]jf k|bfg ug]{] Joj:yf u/]sf] 5 .
u_ clestf{ tflnd Mcf=j= )&).)&! sf] cjlwdf hLjg aLdf ;]jfsf] kx'Fr a9fpg sDkgLn] k"j{ d]rLb]lv klZrd dxfsfnL;Dd u/L ljleGglhNnfx?df !^% j6f clestf{ cfwf/e"t hLjg aLdf tflnd ;DkGg u/]sf] 5 . pQm cjlw;Dddf o; sDkgLn] $,@$$hgf clestf{nfO{ tflnd k|bfg u/]sf] 5 .
3_ hgzlQm Joj:yfkg MsDkgLn] xfn ;Dddf k|wfg sfof{no ;d]t @! j6f sfof{no / &@ j6f pkzfvf sfof{no ;d]t (# sfof{nox?df clws[t/ ;f]eGbf dflysf sd{rf/L %&, ;xfos tyf cGo @$% u/L hDdf #)@ hgf sfo{/t 5g\ .
ª_ Aoj:yfkg vr{ MsDkgLn] o; cfly{s jif{ )&)÷)&! df ?= !&,)&,*#,&@$=@* s"n Joj:yfkg vr{ u/]sf] 5 . cfly{s jif{ )&)÷)&! df?= ! ca{ #* s/f]8 !^ nfv *@ xhf/ s"n aLdf lk|ldod cfDbfgL ubf{ Joj:yfkg vr{ tkm{ ?= !& s/f]8 & nfv cyf{t\s"n cfDbfgLsf] lx;fan] !@=#^Ü dfq vr{ /x]sf] 5 .
r_ sDkgLsf] aLdf of]hgfx?sDkgLsf] cf=a= )&)÷&! ;Dddf Plzog ;fjlws hLjg aLdf, !@ jif]{, !% jif]{, !* jif]{ / @) jif]{ clu|d ;fjlws hLjg
;ftf}+ aflif{s ;fwf/0f ;efdf k|:t't ;+rfns ;ldltsf] k|ltj]bg
ljj/0f o; jif{
aLdfn]v -;+Vof_
aLdfÍ ¿=
k|yd jif{sf] aLdfz'Ns ¿=
glas/0f aLdfz'Ns ¿=
s"n aLdfz'Ns ¿=
26,324.00
4,34,77,19,000.00
322,638,346.00
1,059,044,360.00
1,381,682,706.00
aLdfz'Ns
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
22,441
2,80,70,38,000.00
214,701,072.00
9,376,918,681.00
1,152,392,940.00
ut jif{
10
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
aLdf, ;'vL hLjg aLdf, afn pd+u hLjg aLdf, afn eljio hLjg aLdf, Plzog k]G;g aLdf, hLjg /Tg hLjg aLdf,bDklQ ;'/Iff hLjg aLdf, wg ;d[l4 hLjg aLdf / a}b]lzs DofbL hLjg aLdf u/L !# j6f aLdf of]hgfx? /x]sf 5g\ .eljiodf cem cfsif{s aLdf of]hgfx? Nofpg] sDkgLsf] of]hgf /x]sf] 5 .
5_ bfjL e'QmfgLcfly{s jif{ )&)÷)&! df hLjg aLdf tkm{sf] d[To' bfjL e'QmfgL ?=!,*!,&&,)(&.)), cjlw ;dflKt bfjL e"QmfgL?= @,^$,@#,!)).)) tyf j}b]lzs DofbL hLjg aLdftk{m ?= #,)),))).)) ;dk{0f bfjL e'QmfgL ?=!,&*,@(,#)).)) /cGo bfjL e'QmfgL ?=!,(^,&(,@@(.)) ;d]t s"n ?=*,@$,)*,&@^.)) e'QmfgL ul/Psf]df k"gaL{ds sDkgLaf6 ?=^,#),))).)) ;f]w egf{ lkmtf{ eO{ sDkgLnfO{ hDdf ?=*,!&,&*,&@^.)) sf] bfjL e'QmfgLsf] bfloTj kg{ cfPsf] 5 .
h_ nufgL tyf hLjg aLdf sf]ifsDkgLn] cf=a= )&)÷)&! ;Dddf /fli6«o art kq, jfl0fHo a}+s / ljQLo ;+:yfsf] d'2tL tyf Jofh k|fKt x'g] cGolgIf]kdf u/L ?=$,%@,#&,@*,*&%.!* nufgL ul/Psf] 5 . ;f] cjlwdf gub tyf a}+s df}Hbft ?=*,&^,%(,(**.(@ /x]sf] 5 .n]vfkl/If0fkl5 cfDbfgL vr{sf] ;dfof]hg kZrft\ ?=!,##,)%,^%,^$^.(^ hLjg aLdf sf]ifdf ;fl/Psf] 5 . tyf cf=j=@)&).&!;Ddsf] aLdfÍLo d'NofÍg adf]lhd hLjgaLdf sf]ifaf6 ?=$,^%,^!,&*&.)) gfkmf gf]S;fg lx;fadf ;fl/Psf] 5 . sd{rf/Laf]g; jfkt ?=&%,!^,(*@.** / dxfljkQL hu]8f jfkt ?= !,&$,(!,@@%.$) 5'6\ofOPsf] 5 .
@= /fli6«o, cGt/fli6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/df k/]sf] c;/ljZjJofkL cfly{s dlGbsf] k|efjaf6 g]kfn klg c5'tf] /xg ;s]g . ;ldIff cjlwdf b]zdf zflGt ;'–Joj:yf cg"s'n g}/x]tf klg aGb x8tfn, nf]8;]l8Ë, OGwg cefj tyf sDkgLdf cfOk/]sf cGo ljljw sl7gfOsf sf/0f sDkgLsf] sf/f]jf/dfk/]sf] k|lts'n c;/sf] afah'b klg o; cfly{s jif{df hDdf @^#@$ hLjg aLdfn]v laqmL ug{ ;kmn ePsf] 5 . hLjgaLdf If]qdf sfo{/t ( j6f sDkgLx? aLr ltj| k|lt:kwf{ eP tfklg sDkgLn] @) zfvf tyf &@ pkzfvfx? dfkm{tlg/Gt/ ?kdf &% j6} lhNnf ;d]Tg] u/L clestf{ tflnd ;+rfng u/]sf] kmn:j?k sDkgLn] ;Gtf]ifhgs ;kmntf xfl;nug{ ;kmn ePsf] 5 .
#= s_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn'jif{sf] pknAwLsDkgLn] k|ltj]bg tof/ k"j{ @)&@ ;fn h]i7 * ut] ;Dddf @) j6f zfvf sfof{nox?sf] :yfkgf, &@ j6f pkzfvfsfof{nox?sf] ;+rfng u/L cfly{s jif{ @)&!÷)&! sf] h]i7 * ;Ddsf] cjlwdf s"n ?=!,@^,(#,^$,%)@.))aLdfz'Ns ;+sng ul/;s]sf] 5 .
v_ eljiodf ug{' kg]{ s'/f ;DaGwdf ;+rfns ;ldltsf] wf/0ffcfufdL lbgdf sDkgLn] k|lt:kwf{Tds ahf/df u|fxs ju{sf] ;]jfnfO{ cem a9L r':t b'?:t / u'0f:tl/o agfpFb}>L aLdf ;ldltn] hf/L u/]sf] ;+:yfut ;'zf;g lgb]{lzsfsf] dd{ cg'?k sDkgLnfO{ kf/bzL{, Joj;flos / cfly{scg'zf;gdf k|lta¢ agfO{ sDkgLsf ;a} z]o/wgL, aLldt, sd{rf/L nufot ;Dk"0f{ ;Da¢ kIfx?nfO{ ;d"lrt ?kdfnfeflGjt x'g] kl/l:ylt lgdf{0f ul/g] 5 .
$_ sDkgLsf] cf}Bf]lus÷Aoj;foLs ;DaGw MsDkgLn] cfˆgf] sf/f]jf/ a[l4sf] nflu tyf b]zsf] &% j6} lhNnfdf /x]sf aLldtx?nfO{ hLjg aLdf ;DaGwL ;]jf k'¥ofpgtyf yk ;]jf lj:tf/ ug]{ qmddf ;a} cf}Bf]lus Joj;foLx?;Fu ;f}xfb{ ;DaGw /fVb} cfPsf] 5 . ;fy} cfˆgf u|fxs,clestf{, a}+s, k"gjL{ds sDkgL tyf ;a} If]q;Fu ;DalGwt JolQmx?;Fu ;'dw'/ ;DaGw sfod /x]sf] 5 .
%_ ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] ljj/0f MsDkgLdf o; cfly{s jif{ @)&)÷)&! df ;+rfns ;ldltdf s'g} x]/km]/ ePsf] 5}g . ;+:yfks z]o/wlgx?dWo] af6>L ljho s'df/ ;/fjuL cWoIf / cGo ;b:ox?df >L lbg]znfn >]i7, >L lbks s'df/ >]i7, >L Zofd ;'Gb/ ?+u6f tyf>L ;'zfGt rfrfg x'g'x'G5 eg] ;j{;fwf/0f z]o/wgL ;d"xsf] tkm{af6 ;+rfnsDff >L /jL s'df/ u'Ktf /xg' ePsf] 5 .
^_ sf/f]jf/nfO{ c;/ kfg]{ d"Vo s'/fx?b]zdf lbuf] zflGt gx'g', t/n /fhgLlt, ck]Iffs[t cf}Bf]lus ljsfz gx'g', d"No a[l4 x'Fb} hfg', aLdf ;DaGwL hgr]tgf /lzIffsf] cefj, hLjg aLdf Joj;fodf c:j:y k|ltikwf{, ;Lldt nufgL If]q cflbsf] sf/0faf6 sDkgLsf] sf/f]jf/dfk|lts"n c;/ kg{ ;Sg] ;Defjgf /x]sf] 5 .
11
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
&_ n]vf kl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmofcf=a= @)&)÷&! sf] n]vf kl/If0fsf] k|f/lDes k|ltj]bgdf pNn]lvt clwsf+z s}lkmotx? n]vf kl/If0f ;ldltsf] l;kmfl/;adf]lhd ;'wf/ ul/Psf] 5 .
*_ nfef+z af“8kmf“8 ug{ l;kmfl/; ul/Psf] /sdsDkgLn] cf=j= @)&).&! df s/ k|of]hgsf] nflu !=%Ü, gub nfef+z / @*=%Ü af]g; z]o/ u/L hDdf #)Ü nfef+zljjt/0fsf] k|:tfj u/]sf] 5 .
(_ hkmt ul/Psf] z]o/x?sf] ljj/0fsDkgLdf xfn ;Dd s'g} z]o/ hkmt ul/Psf] 5}g .
!)_ ;xfos sDkgL;“usf] sf/f]jf/ k|ult / cf=a=sf] cGtdf k'g/fjnf]sg l:yltxfn;Dd s'g} klg ;xfos sDkgL :yfkgf ul/Psf] 5}g .
!!_ ;xfos sDkgLsf] k|d'v sf/f]jf/ / ;f]df ePsf] dxTjk"0f{ kl/jt{gx?s]xL klg g/x]sf] .
!@_ sDkgLsf cfwf/e"t z]o/wgLx?n] pknAw u/fPsf] hfgsf/LTo:tf] s'g} hfgsf/L pknAw u/fOPsf] 5}g .
!#_ sDkgLsf ;+rfns / kbflwsf/Lx?n] lnPsf] z]o/ :jfldTj ljj/0f / z]o/ sf/f]jf/df lghx?sf] ;+nUgtfcf=a= @)&)÷&! ;Dd sDkgLsf ;+rfns / kbflwsf/Lx?sf] z]o/ :jfldTj ljj/0f lgDg cg';f/ /x]sf] 5 tyf xfn;Ddlghx? To:tf] s'g} z]o/ sf/f]jf/df ;+nUg /x]sf] hfgsf/L k|fKt ePsf] 5}g .
cWoIf >L ljho s'df/ ;/fjuL !&#,@(( lsQf;+rfns >L lbg]z nfn >]i7 $#,#@^ lsQf;+rfns >L lbkss'df/ >]i7 @*,**$ lsQf;+rfns >L Zofd ;'Gb/ ?+u6f !)*,#!@ lsQf -k|ltlglw dxfnIdL kmfO{gfG; ln=_;+rfns >L ;'zfGt rfrfg @!,^^# lsQf;+rfns >L /jL s'df/ u'Ktf @&,%$! lsQf
!$_ sDkgL;“u ;DalGwt ;Demf}tfx?df ;+rfnsx? tyf lghsf glhssf gft]bf/x?sf] JolQmut :jfy{sf af/]df sDkgLnfO{pknAw hfgsf/LTo:tf] s'g} hfgsf/L sDkgLnfO{ xfn;Dd pknAWf gePsf] .
!%_ sDkgLn] cfk\mgf] z]o/ cfkm}n] vl/b u/]sf] eP ;f]sf] ljj/0fvl/b gu/]sf] .
!^_ cfGtl/s lgoGq0f k|0ffnLsDkgLn] ;+rfns >L lbks s'df/ >]i7Ho"sf] cWoIftfdf n]vfkl/If0f ;ldlt u7g u/]sf] 5 . h;n] cfGtl/s tyf afXon]vfk/LIf0f k|ltj]bg pk/ 5nkmn ug]{, >L aLdf ;ldlt, tyf cGo lgodg lgsfoaf6 ;do ;dodf lbOPsf] lgb]{zg k"0f{?kn] kfngf ug{ Joj:yfkgnfO{ lgb]{zg lbg] tyf k|wfg sfof{nodf /x]sf] zfvf Joj:yfkg ljefu (Branch Management
Department) cGtu{t ;Dk"0f{ sf/f]jf/sf] lgsf;f, lgoGq0f / kl/If0f ug]{ Joj:yf ul/Psf] 5 . To;} u/L afXo >f]taf6cfGtl/s n]vfk/LIfs lgo"Qm u/L q}dfl;s ?kdf cfGtl/s n]vfk/LIf0f u/fO{ s}lkmot / q'6L ;'wf/ tyf k|wfg sfof{nosf]clws[taf6 ;d]t zfvfx?sf] lgoldt lgl/If0f / cg'udgsf] Joj:yf ul/Psf] 5 .
!&_ ljut jif{sf] s"n Joj:yfkg vr{ ljj/0fcfly{s jif{ )&)÷)&! df ?= !&),&*#,&@$.@* Joj:yfkg vr{ ePsf] 5 .
!*_ n]vf kl/If0f ;ldltsf] ;b:ox?sf] gfd, k|fKt u/]sf] ;'ljwf tyf sfo{afxL / ;'emfj ljj/0fcf=j= @)&).&! df sDkgLsf] n]vf kl/If0f ;ldltdf ;+of]hs >L lbks s'df/ >]i7, ;b:o >L ;'zfGt rfrfg tyf>L ljgf]b zdf{ kf}8]n -;b:o ;lrj_ tyf /fh]z s'df/ >]i7 cfdGqLt ;b:o /xg] u/L ;ldlt u7g ul/Psf] / a}7s eQf
12
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
jfkt ?=@@,))).– vr{ ePsf] 5 . cf=a= @)&)÷&! sf] n]vfk/LIf0f ubf{sf] k|fKt k|f/lDes n]vf kl/If0f k|ltj]bg n]vf–k/LIf0f ;ldltdf 5nkmn eO{ pNn]lvt s}lkmotx? ;'wf/sf] nflu k|fKt lgb]{zfg';f/ sfo{jfxL eO;s]sf] 5 .
!(_ ;+rfns, k|aGw ;+rfns, k|d'v sfo{sf/L clws[t, cfwf/e"t z]o/wgL jf gLhsf gft]bf/ jf gLh ;+nUg kmd{, sDkgL,;+:yfn] sDkgLnfO{ a'emfpg' kg]{ /sdg/x]sf] .
@)_ ;+rfns, k|aGw ;+rfns, k|d'v sfo{sf/L clws[t tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf /sdo; cf=a= df ;+rfnsHo"x?nfO{ a}7s eQf / cGo vr{ afkt ?= %,$#,@%^.)) tyf sDkgLsf sfo{sf/L k|d'v tyf cGokbflwsf/Lx? -pk–k|aGws :t/b]lv dflysf]_ ;d]t s"n ?= @,!(,^%,(#%.)) tna eQf e'QmfgL ul/Psf] 5 .
@!_ z]o/wgLn] a'lemlng af“sL /x]sf] /sdgePsf] .
@@_ sDkgLn] bkmf !$! adf]lhd ;Dklt vl/b laqmL u/]sf] ljj/0fgePsf]
@#_ ;Da¢ sDkgLaLr ePsf] sf/f]jf/ ljj/0fg/x]sf] .
@$_ sDkgL P]g / k|rlnt sfg'g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ s'/fg/x]sf] .
aLdf z'Ns cfDbfgL tyf Joj:yfkg vr{
aLdf sf]if tyf nufgLsf] cj:yf
14
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
qm=;+=
!@#$%
^&*(
!)!!!@!#
!$!%!^!&
!*!(@)
cfly{s jif{ @)&)÷÷÷÷÷)&!
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8jf;nft
;+efljt bfloTjx? tyf cg';'lr #,(, !! tyf !^ b]lv !( ;Dd o;sf cleGg c+u x'g\ .
;+efljt bfloTjx¿
o; jif{
521,296,900.00 304,317,608.72 4,429,657,214.09 17,491,225.40 -
5,272,762,948.21 5,272,762,948.21 5,272,762,948.21 5,272,762,948.21 5,272,762,948.21
72,580,546.50 985,762,362.70 104,804,547.00 36,946,630.00
87,659,988.92 3,537,966,512.48 16,250,955.00 564,834,060.54
4,206,711,516.94 4,206,711,516.94 4,206,711,516.94 4,206,711,516.94 4,206,711,516.94
97,418,285.50 - 5,130,854.95 31,662,369.38
134,211,509.83 134,211,509.83 134,211,509.83 134,211,509.83 134,211,509.83
4,072,500,007.11 4,072,500,007.11 4,072,500,007.11 4,072,500,007.11 4,072,500,007.11 168,854.90 -
5,272,762,948.21 5,272,762,948.21 5,272,762,948.21 5,272,762,948.21 5,272,762,948.21
cg';"rL
1617111819
2021323
22212324
25269
26 s
27
ljj/0f>f]t
r'Qmf k'FhLhu]8f tyf sf]ifhLjg jLdf sf]ifdxf–ljkQL hu]8fltg{ afFsL bL3{sflng C0f tyf ;fk6L
s'n >f]tpkof]u
l:y/ ;DkQL -v'b_lb3{sflng nufgLaLdfn]vsf] lwtf]df shf{cGo bL3{sflng shf{rfn' ;DkQL shf{ tyf k]ZsLx? Mgub tyf a}+s df}HbftcNksflng nufgLcGo cNksflng shf{cGo ;DkQLhDdf -s_ -!)±!!±!@±!#_rfn' bfloTj tyf Joj:yfx?rfn' bfloTjc;dfKt hf]lvd jfkt Joj:yfe'QmfgL x'g afFsL bfjL jfkt Joj:yfcGo Joj:yfhDdf -v_ -!$±!%±!^±!&_v'b rfn' ;DkQL -u_ Ö -s_—-v_ckn]vg jf ;dfof]hg x'g jfFsL ljljw vr{x?gfkmf gf]S;fg lx;fjaf6 ;f/]sf] gf]S;fgs'n pkof]u -^±&±*±(±!*±!(±@)_
o; jif{ - - -
- --
ut jif{ - - -
- --
ljj/0fr'Qmf jf e'QmfgL x'g afFsL nufgLk|Tofe'lt k|lta¢tfaLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/aLdsn] bfloTj :jLsf/ gu/]sf]aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06LcGo
hDdfcfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
ut jif{
497,128,400.00 254,502,958.89 3,145,653,354.13
- -
3,897,284,713.023,897,284,713.023,897,284,713.023,897,284,713.023,897,284,713.02
67,844,853.50 916,919,893.22 47,021,197.00 35,822,014.00
47,530,232.25 2,586,045,924.21
20,557,620.00 375,776,949.93
3,029,910,726.393,029,910,726.393,029,910,726.393,029,910,726.393,029,910,726.39
176,368,543.36 1,314,581.80 459,511.25
30,736,535.15 208,879,171.56208,879,171.56208,879,171.56208,879,171.56208,879,171.56
2,821,031,554.83 2,821,031,554.83 2,821,031,554.83 2,821,031,554.83 2,821,031,554.83 8,645,200.46
- 3,897,284,713.023,897,284,713.023,897,284,713.023,897,284,713.023,897,284,713.02
qm=;+=!@
#
$%
15
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cfly{s jif{ @)&)÷÷÷÷÷)&!
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8gfkmf gf]S;fg lx;fa
cg';'lr @, &, * tyf !) b]lv !% !& / !* ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
qm=;+=
!@#$%
^&*(!)!!!@!#!$!%!^
!&!*!(
@)
@!
ljj/0fcfDbfgL
cfo Joo lx;fjjf6 ;f/]sf]hLjg aLdf sf]ifaf6 ;f/]sf]nufgL shf{ tyf cGoaf6 cfoJoj:yf lkmtf{cGo cfDbfgL
hDdf cfDbfgL -s_vr{
Joj:yfkg vr{ckn]vg vr{z]o/ ;DjGwL vr{cGo vr{x?gf]S;fgLsf] nflu Joj:yfsd{rf/L cfjf; Joj:yfsd{rf/L jf]g; Joj:yf;dfof]lht cfos/ -c_ Ö -cf_ — -O_cf_ cfos/O_ :yug s/ -;DklQ_÷bfloTjhLjg jLdf sf]ifdf ;f/]sf]
hDdf vr{ -v_v'b gfkmf ÷-gf]S;fg_ -u_ Ö -s_ — -v_cl3Nnf] jif{ ;+u ;+alGwt vr{cl3Nnf] jif{ af6 ;fl/Psf] gfkmf÷-gf]S;fg_
afF8 kmfF8sf] nflu pknAw /sd-s_ :yug s/ hu]8f-v_ k"FhLut hu]8f-u_ ljz]if hu]8f-3_ cGo hu]8f-ª_ k|:tfljt nfef+z
-c_ af]g; z]o/-cf_ gub nfef+z -s/ e'QmfgL k|of]hg_
-r_ dxfljkQL hu]8fjf;nftdf ;f/]sf] gfkmf
cg';"rL
10
11
2
12
7
13
13 s
14
15
26 s
26 s
8
11
17
17
17
17
17
26 s
18
o; jif{
1,691,459.90
46,561,787.00
47,891,764.15
4,084,809.44
-
100,229,820.49100,229,820.49100,229,820.49100,229,820.49100,229,820.49
17,078,372.43
-
464,636.40
-
-
-
7,516,982.88
44,500.06
-
44,500.06
-
25,104,491.7625,104,491.7625,104,491.7625,104,491.7625,104,491.76
75,125,328.73 75,125,328.73 75,125,328.73 75,125,328.73 75,125,328.73
-
99,786,925.28
174,912,254.01
(44,500.06)
-
-
-
-
148,569,616.50
7,819,453.50
17,491,225.40
1,076,458.661,076,458.661,076,458.661,076,458.661,076,458.66
ut jif{
8,375,481.89
79,039,747.00
35,309,738.50
-
-
122,724,967.39122,724,967.39122,724,967.39122,724,967.39122,724,967.39
12,880,061.61
-
348,197.70
-
-
-
9,954,246.19
(25,884,860.21)
-
(25,884,860.21)
-
(2,702,354.71) (2,702,354.71) (2,702,354.71) (2,702,354.71) (2,702,354.71)
125,427,322.10 125,427,322.10 125,427,322.10 125,427,322.10 125,427,322.10
-
244,463.39
125,671,785.49
25,884,860.21
-
-
-
-
-
-
-
99,786,925.28 99,786,925.28 99,786,925.28 99,786,925.28 99,786,925.28
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
16
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8Plss[t cfo Joo lx;fa
cfly{s jif{ @)&)÷÷÷÷÷)&!
ljj/0f
cfo
aLdf z'Ns -v'b_
k'gaL{df sldzg cfo
nufgL, shf{ tyf cGoaf6 cfo
aLdfn]vsf] lwtf]df shf{af6 cfo
cGo k|ToIf cfo
cfly{s jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL jfkt Joj:yf
cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf
hDdf cfo -s_
Joo
bfjL e'QmfgL -v'b_
clestf{ sldzg
:jf:Yo k/LIf0f z'Ns
k'gaL{df sldzg vr{
;]jf z'Ns -v'b_
cGo k|ToIf vr{
Joj:yfkg vr{
cfos/
cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf
cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf
hDdf Joo -v_
hLjg jLdf sf]ifdf ;f/]sf] art Ö -s_ — -v_
gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fg_
cg';"rL
1
2
3
4
5
6
7
8
9
o; jif{
1,375,990,811.50
1,483,427.38
341,399,260.85
3,483,706.00
10,784,543.00
459,511.25
1,314,581.80
1,734,915,841.78 1,734,915,841.78 1,734,915,841.78 1,734,915,841.78 1,734,915,841.78
81,778,726.00
146,281,965.00
2,001,929.00
-
13,759,908.12
-
153,705,351.85
-
5,130,854.95
-
402,658,734.92 402,658,734.92 402,658,734.92 402,658,734.92 402,658,734.92
1,330,565,646.96 1,330,565,646.96 1,330,565,646.96 1,330,565,646.96 1,330,565,646.96
1,691,459.90 1,691,459.90 1,691,459.90 1,691,459.90 1,691,459.90
ut jif{
1,148,580,328.00
3,697,552.37
225,423,339.27
1,254,512.00
9,347,111.00
8,886,050.00
7,100,000.00
1,404,288,982.641,404,288,982.641,404,288,982.641,404,288,982.641,404,288,982.64
59,901,510.00
124,744,383.98
1,321,350.00
-
11,485,803.28
33,729.00
115,920,554.49
-
459,511.25
1,314,581.80
315,181,423.80315,181,423.80315,181,423.80315,181,423.80315,181,423.80
1,080,731,986.95 1,080,731,986.95 1,080,731,986.95 1,080,731,986.95 1,080,731,986.95
8,375,481.89 8,375,481.89 8,375,481.89 8,375,481.89 8,375,481.89
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
!@
!#
!$
!%
!^
!&
!*
!(
cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
17
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa Plzog ;fjlws hLjg aLdf
cfly{s jif{ @)&)÷÷÷÷÷)&!
cg';"rL
1
2
3
4
5
6
7
8
9
o; jif{
473,289,097.36
338,419.91
120,837,002.02
2,120,416.00
3,725,133.00
372,225.10
-
600,682,293.39 600,682,293.39 600,682,293.39 600,682,293.39 600,682,293.39
26,854,167.00
46,519,539.00
530,424.00
-
4,732,890.97
-
53,512,005.89
-
3,043,116.20
-
135,192,143.06 135,192,143.06 135,192,143.06 135,192,143.06 135,192,143.06
465,490,150.32 465,490,150.32 465,490,150.32 465,490,150.32 465,490,150.32
-----
ut jif{
396,739,406.00
302,863.40
81,420,113.57
989,945.00
3,164,027.77
4,896,700.00
-
487,513,055.73 487,513,055.73 487,513,055.73 487,513,055.73 487,513,055.73
21,011,708.00
40,245,915.98
402,292.00
-
3,967,394.06
-
40,474,748.61
-
372,225.10
-
106,474,283.75 106,474,283.75 106,474,283.75 106,474,283.75 106,474,283.75
381,038,771.99 381,038,771.99 381,038,771.99 381,038,771.99 381,038,771.99
-----
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
!@
!#
!$
!%
!^
!&
!*
!(
ljj/0f
cfo
aLdf z'Ns -v'b_
k'gaL{df sldzg cfo
nufgL, shf{ tyf cGo af6 cfo
aLdfn]vsf] lwtf]df shf{af6 cfo
cGo k|ToIf cfo
cfly{s jif{sf] z'?sf] e'QmfgL x'g af+sL bfjL jfkt Joj:yf
cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf
hDdf cfo -s_
Joo
bfjL e'QmfgL -v'b_
clestf{ sldzg
:jf:Yo k/LIf0f z'Ns
k'gaL{df sldzg vr{
;]jf z'Ns -v'b_
cGo k|ToIf vr{
Joj:yfkg vr{
cfos/
cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf
cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf
hDdf Joo -v_
hLjg jLdf sf]ifdf ;f/]sf] art Ö -s_ — -v_
gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fg_
cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
18
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cfly{s jif{ @)&)÷÷÷÷÷)&!
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8
cfo Joo lx;fa clu|d e'QmfgL hLjg aLdf
cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
!@
!#
!$
!%
!^
!&
!*
!(
ljj/0f
cfo
aLdf z'Ns -v'b_
k'gaL{df sldzg cfo
nufgL, shf{ tyf cGo af6 cfo
aLdfn]vsf] lwtf]df shf{af6 cfo
cGo k|ToIf cfo
cfly{s jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL jfkt Joj:yf
cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf
hDdf cfo -s_
Joo
bfjL e'QmfgL -v'b_
clestf{ sldzg
:jf:Yo k/LIf0f z'Ns
k'gaL{df sldzg vr{
;]jf z'Ns -v'b_
cGo k|ToIf vr{
Joj:yfkg vr{
cfos/
cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf
cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf
hDdf Joo -v_
hLjg jLdf sf]ifdf ;f/]sf] art Ö -s_ — -v_
gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fg_
cg';"rL
1
2
3
4
5
6
7
8
9
o; jif {
75,429,170.39
53,934.76
16,452,545.27
278,007.00
706,849.00
-
-
92,920,506.42 92,920,506.42 92,920,506.42 92,920,506.42 92,920,506.42
21,733,340.00
9,340,977.00
239,829.00
-
754,291.70
-
8,293,703.15
-
115,000.00
-
40,477,140.85 40,477,140.85 40,477,140.85 40,477,140.85 40,477,140.85
52,443,365.56 52,443,365.56 52,443,365.56 52,443,365.56 52,443,365.56
-
ut jif{
58,022,508.00
44,293.29
11,487,039.02
59,624.00
605,539.32
57,500.00
-
70,276,503.63 70,276,503.63 70,276,503.63 70,276,503.63 70,276,503.63
4,646,328.00
6,329,513.00
92,342.00
-
580,225.08
-
5,864,728.82
-
-
-
17,513,136.90 17,513,136.90 17,513,136.90 17,513,136.90 17,513,136.90
52,763,366.73 52,763,366.73 52,763,366.73 52,763,366.73 52,763,366.73
-
cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
19
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa afnpd· hLjg aLdf
cfly{s jif{ @)&)÷÷÷÷÷)&!
ljj/0f
cfo
aLdf z'Ns -v'b_
k'gaL{df sldzg cfo
nufgL, shf{ tyf cGo af6 cfo
aLdfn]vsf] lwtf]df shf{af6 cfo
cGo k|ToIf cfo
cfly{s jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL jfkt Joj:yf
cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf
hDdf cfo -s_
Joo
bfjL e'QmfgL -v'b_
clestf{ sldzg
:jf:Yo k/LIf0f z'Ns
k'gaL{df sldzg vr{
;]jf z'Ns -v'b_
cGo k|ToIf vr{
Joj:yfkg vr{
cfos/
cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf
cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf
hDdf Joo -v_
hLjg jLdf sf]ifdf ;f/]sf] art Ö-s_ —-v_
gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fg_
cg';"rL
1
2
3
4
5
6
7
8
9
o; jif{
539,438,271.76
385,719.11
136,857,326.52
32,645.00
4,306,769.00
87,286.15
-
681,108,017.54 681,108,017.54 681,108,017.54 681,108,017.54 681,108,017.54
20,511,209.00
56,524,609.00
701,515.00
-
5,394,382.72
-
60,099,577.24
-
986,700.00
-
144,217,992.96 144,217,992.96 144,217,992.96 144,217,992.96 144,217,992.96
536,890,024.59 536,890,024.59 536,890,024.59 536,890,024.59 536,890,024.59
-----
ut jif{
460,996,325.00
351,915.92
88,561,017.94
5,059.00
3,734,988.15
1,918,200.00
-
555,567,506.01 555,567,506.01 555,567,506.01 555,567,506.01 555,567,506.01
21,925,364.00
50,220,369.00
510,829.00
-
4,609,963.25
-
46,352,366.37
-
87,286.15
-
123,706,177.77 123,706,177.77 123,706,177.77 123,706,177.77 123,706,177.77
431,861,328.25 431,861,328.25 431,861,328.25 431,861,328.25 431,861,328.25
-----
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
!@
!#
!$
!%
!^
!&
!*
!(
cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
20
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cfly{s jif{ @)&)÷÷÷÷÷)&!
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa ;'lv hLjg aLdf
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
!@
!#
!$
!%
!^
!&
!*
!(
ljj/0f
cfo
aLdf z'Ns -v'b_
k'gaL{df sldzg cfo
nufgL, shf{ tyf cGo af6 cfo
aLdfn]vsf] lwtf]df shf{af6 cfo
cGo k|ToIf cfo
cfly{s jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL jfkt Joj:yf
cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf
hDdf cfo -s_
Joo
bfjL e'QmfgL -v'b_
clestf{ sldzg
:jf:Yo k/LIf0f z'Ns
k'gaL{df sldzg vr{
;]jf z'Ns -v'b_
cGo k|ToIf vr{
Joj:yfkg vr{
cfos/
cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf
cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf
hDdf Joo -v_
hLjg jLdf sf]ifdf ;f/]sf] art Ö -s_ — -v_
gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fg_
cg';"rL
1
2
3
4
5
6
7
8
9
o; jif{
287,834,271.99
205,812.58
67,125,049.96
1,052,638.00
2,045,792.00
-
-
358,263,564.53 358,263,564.53 358,263,564.53 358,263,564.53 358,263,564.53
12,430,010.00
33,896,840.00
530,161.00
-
2,878,342.72
-
31,800,065.57
-
986,038.75
-
82,521,458.04 82,521,458.04 82,521,458.04 82,521,458.04 82,521,458.04
275,742,106.49 275,742,106.49 275,742,106.49 275,742,106.49 275,742,106.49
-----
ut jif{
232,822,089.00
177,732.00
43,292,123.81
199,884.00
1,842,555.76
1,323,650.00
-
279,658,034.57 279,658,034.57 279,658,034.57 279,658,034.57 279,658,034.57
10,768,110.00
27,948,586.00
315,887.00
-
2,328,220.89
-
23,228,710.70
-
-
-
64,589,514.59 64,589,514.59 64,589,514.59 64,589,514.59 64,589,514.59
215,068,519.98 215,068,519.98 215,068,519.98 215,068,519.98 215,068,519.98
-
cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
21
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
ljj/0f
cfo
aLdf z'Ns -v'b_
k'gaL{df sldzg cfo
nufgL, shf{ tyf cGo af6 cfo
aLdfn]vsf] lwtf]df shf{af6 cfo
cGo k|ToIf cfo
cfly{s jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL jfkt Joj:yf
cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf
hDdf cfo -s_
Joo
bfjL e'QmfgL -v'b_
clestf{ sldzg
:jf:Yo k/LIf0f z'Ns
k'gaL{df sldzg vr{
;]jf z'Ns -v'b_
cGo k|ToIf vr{
Joj:yfkg vr{
cfos/
cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf
cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf
hDdf Joo -v_
hLjg jLdf sf]ifdf ;f/]sf] art Ö -s_ —-v_
gfkmf gf]S;fg lx;fjdf ;f/]sf] art÷-gf]S;fg_
cg';"rL
1
2
3
4
5
6
7
8
9
o; jif{
-
499,541.02
127,337.08
-
-
-
1,314,581.80
1,941,459.90 1,941,459.90 1,941,459.90 1,941,459.90 1,941,459.90
250,000.00
-
-
-
-
-
-
-
-
-
250,000.00 250,000.00 250,000.00 250,000.00 250,000.00
-
1,691,459.90 1,691,459.90 1,691,459.90 1,691,459.90 1,691,459.90
ut jif{
-
2,820,747.76
663,044.93
-
-
690,000.00
7,100,000.00
11,273,792.69 11,273,792.69 11,273,792.69 11,273,792.69 11,273,792.69
1,550,000.00
-
-
-
-
33,729.00
-
-
-
1,314,581.80
2,898,310.80 2,898,310.80 2,898,310.80 2,898,310.80 2,898,310.80
-----
8,375,481.89 8,375,481.89 8,375,481.89 8,375,481.89 8,375,481.89
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
!@
!#
!$
!%
!^
!&
!*
!(
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa a}b]lzs DofbL hLjg aLdf
cfly{s jif{ @)&)÷÷÷÷÷)&!
cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/
;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7
Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg
/lj s'df/ u'Ktf
ljho s'df/ ;/fjuLcWoIf
/fh]z s'df/ >]i7k|d'v sfo{s/L clws[t
sdn 9'Ëfgfn]vf k|d'v
ldlt M @)&!÷!!÷@$:yfg M sf7df8f}+, g]kfn
l;P= k|lag /fh sfk\mn]
lk=cf/=s]= P;f]l;P6\;rf6{8 PsfpG6]G;\
22
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfly{s jif{ @)&)÷÷÷÷÷)&! sf] gub k|jfxsf] ljj/0f
qm=;+=s
v
u
o; jif{
1,381,682,706.00 10,784,543.00 -
1,483,427.38 3,483,706.00 686,918.95 (5,691,894.50)
(131,671,405.00) (2,001,929.00) (18,477,097.00) (7,647,650.00) (18,775,450.00) (17,829,300.00) (19,679,229.00) (11,523,929.40) (4,077,531.40) (155,279,049.42) (10,271,286.71)
- (168,568,939.09) (87,788,479.57)
738,838,131.24 738,838,131.24 738,838,131.24 738,838,131.24 738,838,131.24
(14,099,875.00) 314,600,000.00
(1,281,500,000.00) 78,804,411.73
(49,235,947.82) (85,310,521.66) 1,879,000.00
(57,783,350.00) 3,182,049.00 302,856,658.69 3,101,379.87 922,000.00 2,750,705.56
67,603,954.87(712,229,534.76)(712,229,534.76)(712,229,534.76)(712,229,534.76)(712,229,534.76)
14,408,400.00
(887,239.81)
13,521,160.20 13,521,160.20 13,521,160.20 13,521,160.20 13,521,160.20 40,129,756.68 40,129,756.68 40,129,756.68 40,129,756.68 40,129,756.68 47,530,232.25 47,530,232.25 47,530,232.25 47,530,232.25 47,530,232.25 87,659,988.93 87,659,988.93 87,659,988.93 87,659,988.93 87,659,988.93
ut jif{
1,152,392,940.00 9,347,111.00 - 3,697,552.37 1,254,512.00 4,031,626.12 (3,812,612.00) - (154,618,752.98) (1,321,350.00) (27,689,579.00) (441,800.00) (1,783,250.00) (17,728,091.00) (16,252,290.00) (10,376,103.01) (2,363,566.70) (116,614,209.75) (3,734,067.37) - (101,644,924.83) 108,913,478.53 821,256,623.38 821,256,623.38 821,256,623.38 821,256,623.38 821,256,623.38
(9,512,044.00) (50,000,000.00) (695,000,000.00) (107,293,675.05) (101,189,189.78) (65,000,000.00) (16,003,460.00) (29,368,217.00) 1,604,318.00 244,749,755.61 1,065,139.58 810,000.00 2,517,088.20 6,560,261.79 (816,060,022.65) (816,060,022.65) (816,060,022.65) (816,060,022.65) (816,060,022.65)
9,760,100.00 - - (471,760.31) (2,000,000.00) 7,288,339.697,288,339.697,288,339.697,288,339.697,288,339.69 12,484,940.42 12,484,940.42 12,484,940.42 12,484,940.42 12,484,940.42 35,045,291.83 35,045,291.83 35,045,291.83 35,045,291.83 35,045,291.83 47,530,232.25 47,530,232.25 47,530,232.25 47,530,232.25 47,530,232.25
ljj/0fsf/f]jf/ ;+rfngaf6 gub k|jfxaLdf z'Ns cfDbfgLljnDa z'Ns cfDbfgLk'gaL{df z'Ns cfDbfgLk'gaL{df sldzg cfDbfgLcGo k|ToIf cfDbfgLk'gaL{ds af6 k|fKt bfjL l/se/Lk'gaL{df z'Ns e'QmfgLk'gaL{df sldzg e'QmfgLclestf{ sldzg e'QmfgL:jf:Yo k/LIf0f z'Ns e'QmfgLd[To' bfjL e'QmfgLcalw ;dfKtL bfjL e'QmfgLcf+lzs cjlw ;dfKtL bfjL e'QmfgL;dk{0f d"No bfjL e'QmfgLcGo bfjL e'QmfgL;]jf z'Ns e'QmfgLcGo k|ToIf vr{ e'QmfgLJoj:yfkg vr{ e'QmfgLsd{rf/L af]g; e'QmfgLcfos/ e'QmfgLrfn' ;DkQLdf -j[l¢_÷sdLrfn' bfloTjdf a[l¢÷-sdL_sf/f]jf/ ;+rfngaf6 v'b gub k|jfx -s_nufgL ultljlwaf6 gub k|jfxl:y/ ;DkQLdf -j[l¢_÷sdL;/sf/ / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -j[l¢_ sdLa}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l¢_ sdLa}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l¢_ sdLO{So'6L z]o/ nufgLdf -j[l¢_ sdLcu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l¢_ sdLcGo nufgLdf -j[l¢_ sdLaLdfn]vsf] lwtf]df shf{df -j[l¢_ sdLk]ZsL tyf cGo shf{df -j[l¢_ sdLe'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_e'QmfgL k|fKt l8le8]G8ef8f cfDbfgLe'QmfgL k|fKt Aofh cfDbfgL -shf{df_cGo ck|ToIf cfDbfgL÷vr{nufgL ultljwLaf6 v'b gub k|jfx -v_ljQLo >f]t sf/f]jf/af6 gub k|jfxz]o/af6 k|fKt /sdltg{ afFsL ;fk6Ldf -j[l¢_ sdLcNksflng C0fdf -j[l¢_ sdLC0f ;fk6Ldf Aofh e'QmfgLnfef+z e'QmfgLljQLo >f]t sf/f]jf/af6 v'b gub k|jfx -u_o; aif{sf] ;Dk\"0f{ ultljwLaf6 v'b gub k|jfx Ö-s_±-v_±-u_gub tyf a}+sdf /x]sf] z'? Dff}Hbftgub tyf a}+sdf /x]sf] clGtd Dff}Hbft
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23
LifeInsuranceCompany
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24
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
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o; jif{
476,453,648.00
76,133,099.00
539,491,356.00
289,604,603.00
-
1,381,682,706.00 1,381,682,706.00 1,381,682,706.00 1,381,682,706.00 1,381,682,706.00
ut jif{
398,999,976.00
58,346,475.00
461,121,701.00
233,924,788.00
-
1,152,392,940.001,152,392,940.001,152,392,940.001,152,392,940.001,152,392,940.00
k|ToIf aLdf z'Ns
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-
-
-
-
-
-----
ut jif{
-
-
-
-
-
-----
k|fKt k'gaL{df z'Ns (Accepted)
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476,453,648.00
76,133,099.00
539,491,356.00
289,604,603.00
-
1,381,682,706.00 1,381,682,706.00 1,381,682,706.00 1,381,682,706.00 1,381,682,706.00
ut jif{
398,999,976.00
58,346,475.00
461,121,701.00
233,924,788.00
-
1,152,392,940.00 1,152,392,940.00 1,152,392,940.00 1,152,392,940.00 1,152,392,940.00
s'n aLdfz'Nsqm=;+= aLdfsf] lsl;d
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476,453,648.00
76,133,099.00
539,491,356.00
289,604,603.00
-
1,381,682,706.001,381,682,706.001,381,682,706.001,381,682,706.001,381,682,706.00
ut jif{
398,999,976.00
58,346,475.00
461,121,701.00
233,924,788.00
-
1,152,392,840.001,152,392,840.001,152,392,840.001,152,392,840.001,152,392,840.00
s'n aLdfz'Ns
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3,164,550.64
703,928.61
53,084.24
1,770,331.01
-
5,691,894.505,691,894.505,691,894.505,691,894.505,691,894.50
ut jif{
2,260,570.00
323,967.00
125,376.00
1,102,699.00
-
3,812,612.00 3,812,612.00 3,812,612.00 3,812,612.00 3,812,612.00
k'gaL{df z'Ns e'QmfgL (Ceded)
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473,289,097.36
75,429,170.39
539,438,271.76
287,834,271.99
-
1,375,990,811.50 1,375,990,811.50 1,375,990,811.50 1,375,990,811.50 1,375,990,811.50
ut jif{
396,739,406.00
58,022,508.00
460,996,325.00
232,822,089.00
-
1,148,580,328.00 1,148,580,328.00 1,148,580,328.00 1,148,580,328.00 1,148,580,328.00
aLdfz'Ns -v'b_qm=;+= aLdfsf] lsl;d
!
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#
$
%
;fjlws hLjg aLdf
clu|d e'QmfgL
afnpdË
?kfGtl/t ;fjlws
a}b]lzs DofbL
hDdf
o; jif{
113,234,229.00
22,619,487.00
110,065,932.00
76,718,698.00
-
322,638,346.00 322,638,346.00 322,638,346.00 322,638,346.00 322,638,346.00
ut jif{
66,937,844.00
11,027,858.00
82,551,717.00
54,183,653.00
-
214,701,072.00 214,701,072.00 214,701,072.00 214,701,072.00 214,701,072.00
k|yd jif{sf] aLdf z'Ns
o; jif{
363,219,419.00
53,513,612.00
429,425,424.00
212,885,905.00
-
1,059,044,360.00 1,059,044,360.00 1,059,044,360.00 1,059,044,360.00 1,059,044,360.00
ut jif{
332,062,132.00
47,318,617.00
378,569,984.00
179,741,135.00
-
937,691,868.00 937,691,868.00 937,691,868.00 937,691,868.00 937,691,868.00
gjLs/0f aLdfz'Ns
o; jif{
-
-
-
-
-
-
ut jif{
-
-
-
-
-
-
Psn aLdfz'Nsqm=;+= aLdfsf] lsl;d
o; jif{
476,453,648.00
76,133,099.00
539,491,356.00
289,604,603.00
-
1,381,682,706.00 1,381,682,706.00 1,381,682,706.00 1,381,682,706.00 1,381,682,706.00
ut jif{
398,999,976.00
58,346,475.00
461,121,701.00
233,924,788.00
-
1,152,392,940.00 1,152,392,940.00 1,152,392,940.00 1,152,392,940.00 1,152,392,940.00
hDdf k|ToIf aLdf z'Ns
25
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– #aLdfn]vsf] lwtf]df shf{ / cfo
qm=;+= aLdfsf] lsl;do; jif{
71,768,362.00
5,410,722.00
2,145,243.00
25,480,220.00
-
104,804,547.00104,804,547.00104,804,547.00104,804,547.00104,804,547.00
o; jif{
2,120,416
278,007
32,645
1,052,638
-
3,483,7063,483,7063,483,7063,483,7063,483,706
ut jif{
989,945
59,624
5,059
199,884
-
1,254,5121,254,5121,254,5121,254,5121,254,512
aLdfn]vsf] lwtf]df shf{ aLdfn]vsf] lwtf]df shf{af6 cfo
ut jif{
29,296,089
4,083,839
413,500
13,227,769
-
47,021,19747,021,19747,021,19747,021,19747,021,197
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47,891,764.15
120,837,002.02
16,452,545.27
136,857,326.52
67,125,049.96
127,337.08
389,291,025.00 389,291,025.00 389,291,025.00 389,291,025.00 389,291,025.00
ut jif{{
35,309,738.50
81,420,113.57
11,487,039.02
88,561,017.94
43,292,123.81
663,044.93
260,733,077.77 260,733,077.77 260,733,077.77 260,733,077.77 260,733,077.77
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53,084,958.05
219,974,781.75
7,673,789.63
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3,101,379.87
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19,148,606.36
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2,750,705.56
12,139,377.39
76,047,303.16
(655.65)
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389,291,025.00 389,291,025.00 389,291,025.00 389,291,025.00 389,291,025.00
ut jif{{
61,189,378.25
159,647,901.45
7,217,409.72
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1,065,139.58
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11,469,334.36
550,811.00
2,517,088.20
12,793,608.39
5,562,530.39
-
434,250.00
(4,968,035.55)
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-
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260,733,077.77 260,733,077.77 260,733,077.77 260,733,077.77 260,733,077.77
26
LifeInsuranceCompany
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276,89
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276,89
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8,77
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9,63
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19,679
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38
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16,252
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16,252
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16,252
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cGo
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27,4
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00,000
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82,4
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82,4
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ut j
if{
21,93
5,208
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916,3
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63,8
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63,8
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80,000
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9
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3,993
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81,7
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21,0
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59,9
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bfaL e
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7,64
7,65
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7,64
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7,65
0.00
27
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"r
L– ^
;]jf z'Ns
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! @ # $ %
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4,76
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3
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583,464
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4,611
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31,645.
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7,03
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56,918
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22,605
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3,23
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38,126
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38,126
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38,126
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38,126
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3,96
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580,22
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4,732
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754,291
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13,759
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13,759
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13,759
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cg';"r
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clestf{ s
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74,183,31
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74,183,31
6.00
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1
3,899
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46,98
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46,98
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2
3,939
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3,493
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29,419
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3,96
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77,75
9,454
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77,75
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77,75
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4
6,519,53
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146,28
1,96
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1,96
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146,28
1,96
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146,28
1,96
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40,24
5,91
5.98
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50,220
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27,948,586.00 -
124,744,383.98
124,744,383.98
124,744,383.98
124,744,383.98
124,744,383.98
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28
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
qm=;+=
!
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#
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3/ ef8f
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7,864,159.00
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1,022,749.00
382,049.00
133,257.00
348,225.00
159,218.00
6,883,690.24
3,087,500.00
699,377.00
512,142.00
3,653,340.00
-
41,786.00
35,981,895.00
923,182.42
398,178.00
58,824.00
240,047.00
488,422.00
2,207,536.00
222,267.00
24,300.00
348,000.00
195,256.00
ut jif{
77,326,475.89
6,867,738.00
597,069.60
1,423,816.00
967,804.00
141,733.00
258,367.00
55,912.00
5,295,381.87
3,296,727.00
742,946.00
411,877.47
3,939,211.00
93,909.00
59,353.00
9,382,242.00
1,058,519.50
254,740.00
70,000.00
174,393.00
400,056.00
29,770.00
50,798.00
603,355.00
464,000.00
208,310.00
cg';"rL– &
Joj:yfkg vr{
29
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
@!
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clu|d e'QmfgL jLdfsf] cfo Aoo lx;fjdf ;f/]]sf]
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hDdf
41,000.00
740,299.86
163,535.00
2,285,360.82
-
136,730.00
-
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74,003.00
169,500.00
-
1,643,008.17
887,239.81
47,048.73
2,162,638.32
9,364,182.00
395,188.50
-
514,913.16
102,173.00
3,434,034.00
188,073.80
297,578.00
68,370.00
170,783,724.28170,783,724.28170,783,724.28170,783,724.28170,783,724.28
17,078,372.43
53,512,005.89
8,293,703.15
60,099,577.24
31,800,065.57
-
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48,500.00
571,301.00
212,062.00
58,773.07
-
124,300.00
-
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136,730.00
48,779.00
146,268.63
471,760.31
44,204.12
1,655,394.36
7,819,696.56
316,435.50
-
265,395.22
83,421.00
3,629,540.00
79,844.00
276,690.00
26,615.00
128,800,616.10128,800,616.10128,800,616.10128,800,616.10128,800,616.10
12,880,061.61
40,474,748.61
5,864,728.82
46,352,366.37
23,228,710.70
-
128,800,616.10128,800,616.10128,800,616.10128,800,616.10128,800,616.10
30
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– &=!sd{rf/L vr{
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29,373,052.00
34,540,402.00
4,602,824.00
2,934,189.00
94,221.00
1,098,000.00
135,171.00
73,556.48
195,924.00
3,362,465.00
4,702,230.00
1,261,697.00
82,373,731.4882,373,731.4882,373,731.4882,373,731.4882,373,731.48
ut jif{
28,393,824.00
31,085,445.00
4,350,182.00
2,837,271.00
108,648.00
1,039,900.00
101,811.00
114,956.89
1,177,625.00
3,961,120.00
2,954,516.00
1,201,177.00
77,326,475.8977,326,475.8977,326,475.8977,326,475.8977,326,475.89
cg';"rL– *
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o; jif{
-
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ut jif{
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31
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
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cfly
{s j
if{sf] cGTo
df e
'Qmfg
L x'g
af“s
L bfjL j
fkt
Joj:
yf
! @ # $ %
aLdf
sf] lsl
;d
e'Qmfg
L x'g
af“s
LhD
df b
faLd
fk'g
aL{ds
sf] lx:;f
e'Qmfg
L x'g
af“s
L bfaL
afkt
Joj
:yf
e'Qmfg
L x'g
af“s
L hD
dfbfaL
32
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===cg';
"rL–
!!hLjg
aLdf
sf]if
Plzog
;fjlws
clu
|d e
'Qmfg
L
afnpdË
;'vL hLjg
j}b]lz
s D
ofbL
hDd
f
o; j
if{
1,153
,832
,554
.30
163
,055
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.67
1,221
,001
,734
.05
607
,763
,342.11 -
3,145,65
3,35
4.13
3,145,65
3,35
4.13
3,145,65
3,35
4.13
3,145,65
3,35
4.13
3,145,65
3,35
4.13
! @ # $ %
ut j
if{
800
,662
,265
.31
113
,942,62
1.94
820
,016
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.80
409
,339
,460
.13 -
2,143,96
1,11
4.18
2,143,96
1,11
4.18
2,143,96
1,11
4.18
2,143,96
1,11
4.18
2,143,96
1,11
4.18
o; j
if{
465
,490
,150
.32
52,443,36
5.56
536
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,024
.59
275
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6.49 -
1,330
,565
,646.96
1,330
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1,330
,565
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1,330
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,646.96
1,330
,565
,646.96
ut j
if{
38
1,03
8,771
.99
52,76
3,36
6.73
431
,861
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215
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1,0
80,
731,98
6.95
1,0
80,
731,98
6.95
1,0
80,
731,98
6.95
1,0
80,
731,98
6.95
1,0
80,
731,98
6.95
o; j
if{ - - - - - -
ut j
if{ - - - - - -
o; j
if{ - - - - - -
ut j
if{ - - - - - -
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if{
1,61
9,32
2,70
4.62
215
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23
1,757
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883,50
5,448.60 -
4,4
76,219
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4,4
76,219
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4,4
76,219
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4,4
76,219
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4,4
76,219
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ut j
if{
1,18
1,70
1,03
7.30
166
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1,251
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624
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11 -
3,22
4,693
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3,22
4,693
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3,22
4,693
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3,22
4,693
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3,22
4,693
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;dfof]h
g cufl8
sf] hLjg
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g cu
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aLdf s
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if{sf] cG
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l;d
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hLjg
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;df
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o; j
if{
1,61
9,32
2,704
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215
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1,757
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883
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4,4
76,219
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4,4
76,219
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4,4
76,219
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4,4
76,219
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4,4
76,219
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.09
ut j
if{ 1
,181,7
01,03
7.30
166
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1,25
1,878
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624
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3,224
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01.13
3,224
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01.13
3,224
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01.13
3,224
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01.13
3,224
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01.13
ut j
if{ 2
7,86
8,48
3.00
3,650
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30,87
6,36
1.00
16,64
4,63
8.00 -
79,03
9,74
7.00
79,03
9,74
7.00
79,03
9,74
7.00
79,03
9,74
7.00
79,03
9,74
7.00
o; j
if{ - - - - - -
ut j
if{ - - - - - -
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if{ - - - - - -
ut j
if{ - - - - - -
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if{ - - - - - -
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if{ - - - - - -
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ut j
if{ - - - - - -
o; j
if{ 1,60
3,146
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213
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0.23
1,739
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873
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4,429
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14.09
4,429
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14.09
4,429
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14.09
4,429
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14.09
4,429
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14.09
ut j
if{
1,153
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63,055
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1,221
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607
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3,145
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3,14
5,65
3,35
4.13
3,14
5,65
3,35
4.13
3,14
5,65
3,35
4.13
3,14
5,65
3,35
4.13
;dfof]h
g cu
fl8sf
] hLjg
aLdf
sf]if
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f] cG
Todf
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bflo
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sf] nf
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f] cGTo
df h
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sf]if
o; j
if{ 1
6,17
5,71
6.00
2,13
8,25
9.00
18,
362,48
1.00
9,8
85,33
1.00 -
46,56
1,78
7.00
46,561
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46,561
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46,561
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46,561
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.00
aLdf
sf] lsl
;d
Plzog
;fjlws
clu|d
e'Qm
fgL
afnp
dË;'v
L hLjg
j}b]lz
s D
ofbL
hDdf
qm=;
+=
! @ # $ %
33
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– !@Joj:yf lkmtf{
cg';"rL– !# -s_
z]o/ ;DaGwL vr{
cg';"rL– !#
ckn]vg vr{x?
qm=;+=
!
@
#
$
ljj/0f
nufgLdf gf]S;fgLsf] nflu Joj:yf lkmtf{
shf{df gf]S;fgLsf] nflu Joj:yf lkmtf{
z+sf:kb cf;fdL Joj:yf lkmtf{
cGo Joj:yf lkmtf{
hDdf
o; jif{
4,084,809.44
-
-
-
4,084,809.444,084,809.444,084,809.444,084,809.444,084,809.44
ut jif{
-
-
-
-
-
qm=;+=!@#$%^&
ljj/0fk|f/lDes vr{x?
k"j{ ;+rfng vr{x?
k/ ;fl/Psf vr{x?
ckn]vg ul/Psf] nufgL
ckn]vg ul/Psf] shf{
ckn]vg ul/Psf] cf;fdL
cGo ckn]vg
hDdf
o; jif{ - -
-
-
-
-
-
-
ut jif{ - -
-
-
-
-
-
-
qm=;+=!@#$%
ljj/0fz]o/ lgisf;g vr{
z]o/ /lhi6«];g vr{
z]o/ ;"lrs/0f vr{
nfef+z ljt/0f vr{
z]o/ ;DaGwL cGo vr{
hDdf
o; jif{-
-
-
-
464,636.40
464,636.40464,636.40464,636.40464,636.40464,636.40
ut jif{-
-
-
-
348,197.70
348,197.70348,197.70348,197.70348,197.70348,197.70
cg';"rL– !$cGo vr{x?
qm=;+=!@#
ljj/0fb08 hl/jfgf
ljnDa z'Ns hl/jfgf
cGo
hDdf
o; jif{ -
-
-
-
ut jif{ -
-
-
-
34
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– !^
s_ z]o/ k"“hL
v_ z]o/ :jfldTjsf] ;+/rgf
qm= ;+=
!
@
#=
ljj/0f
clws[t k"“hL
s_ ?= !)) b/sf] !),))),))) yfg ;fwf/0f z]o/
hf/L k"“hL
s_ ?= !)) b/sf] ^,))),))) yfg ;fwf/0f z]o/
r'Qmf k"“hL
s_ ?= !)) b/sf] %,@!@,(^( yfg ;fwf/0f z]o/
hDdf
o; aif{
1,000,000,000.00
600,000,000.00
521,296,900.00
521,296,900.00521,296,900.00521,296,900.00521,296,900.00521,296,900.00
ut aif{
1,000,000,000.00
600,000,000.00
497,128,400.00
497,128,400.00497,128,400.00497,128,400.00497,128,400.00497,128,400.00
;+:yfks
g]kfnL ;+ul7t ;+:yfx?
g]kfnL gful/s
ljb]zL
hDdf
g]kfnL ;+ul7t ;+:yfx?
g]kfnL gful/s
hDdf
s"n
z]o/wgL;fwf/0f z]o/ ;+Vof
375,139
3,262,801
-
3,637,940
59,385
1,515,644
1,575,029
5,212,9695,212,9695,212,9695,212,9695,212,969
:jfldTjsf] Ü
7.00
63.00
-
70.00
1.00
29.00
30.00
100.00100.00100.00100.00100.00
;fwf/0f z]o/ ;+Vof
447,000
3,032,899
-
3,479,899
1,491,385
-
1,491,385
4,971,284 4,971,284 4,971,284 4,971,284 4,971,284
:jfldTjsf] Ü
9.00
61.00
-
70.00
30.00
-
30.00
100.00100.00100.00100.00100.00
o; jif{ ut jif{
cg';"rL– !%
gf]S;fgLsf] nflu Joj:yf
qm=;+=!@#$
ljj/0fnufgLdf gf]S;fgLsf] nflu Joj:yf
shf{df gf]S;fgLsf] nflu Joj:yf
z+sf:kb cf;fdL Joj:yf
cGo Joj:yf
hDdf
o; aif{ -
-
-
-
-
ut jif{ -
-
-
-
-
;fwf
/0f
35
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
u= Ps k|ltzt jf a9L z]o/ :jfldTj ePsf] z]o/wgLx?sf] ljj/0f
qm= ;+=
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
ljj/0f
zlQm s'df/ uf]Nofg
/fh]z nfn >]i7
;ljtf b]jL ?u+6f
/f]lxt u'Ktf
ljho s'df/ ;/fjuL
lbgfgfy v08]njfn
dxfnIdL kmfOgfG; ln=
u'x]Zj/L dr]{G6 a}+s P08 kmf=ln=
l;ghL{ kmfOgfG; ln=
dx]z s'df/ ;f/8f
hut gf/fo0f /f}lgof/
afa'nfn cu|jfn
clgn s'df/ cu|jfn
dgf]h s'df/ bf;
ljgo s'df/ tf]bL
Zofd ;'Gb/ v]tfg
/fh]]z s'df/ ;/fjuL
/fh s'df/ df]/
:jfldTjsf] Ü
6.48%
5.01%
4.16%
3.46%
3.32%
2.77%
2.08%
2.08%
2.08%
2.08%
1.75%
1.39%
1.39%
1.39%
1.11%
1.11%
1.11%
1.11%
/sd
33,765,700
26,139,300
21662300
18052000
17329900
14441500
10831200
10831200
10831200
10831200
9112000
7220800
7220800
7220800
5776700
5776700
5776700
5776700
:jfldTjsf] Ü
3.04
4.70
4.15
3.46
3.32
2.77
2.07
2.07
2.07
2.07
1.38
1.38
1.38
1.38
1.11
1.11
1.11
1.11
/sd
15,129,200
23,381,500
20630700
17192300
16504600
13753800
10315400
10315400
10315400
10315400
6876900
6876900
6876900
6876900
5501600
5501600
5501600
5501600
o; jif{ ut jif{
36
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– !*
dxf ljklQ hu]8f
o; jif{
-
-
-
-
-
ut jif{
-
-
-
-
-
o; jif{
17,491,225.40
-
-
-
17,491,225.4017,491,225.4017,491,225.4017,491,225.4017,491,225.40
ut jif{
-
-
-
-
-
o; jif{
17,491,225.40
-
-
-
17,491,225.4017,491,225.4017,491,225.4017,491,225.4017,491,225.40
ut jif{
-
-
-
-
-
jif{sf] z'?df dxf–ljklQ hu]8f gfkmf gf]S;fg lx;faaf6 ;f/]sf] jif{ cGTodf dxf–ljkQL hu]8f
cg';"rL– !(
ltg{ afFsL bL3{sflng C0f tyf ;fk6L
ljj/0f
l8j]Gr/÷j08
a}+s
ljQLo ;+:yf
cGo
hDdf
o; jif{
-
-
-
-
-
ut jif{
-
-
-
-
-
qm= ;+=
1
2
3
4
cg';"rL– !&
hu]8f tyf sf]if
ljj/0f
:yug s/ hu]8f
s_ :yug s/ hu]8f ut jif{
v_ :yug s/ hu]8f o; jif{
hDdf
k"FhLut hu]8f
ljz]if hu]8f
cGo hu]8f
z]o/ lk|ldod
k|:tfljt af]gz z]o/
k"FhLs[[t x'g afFsL af]g; z]o/
gfkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf
hDdf
qm= ;+=
1
2
3
4
5
6
7
8
ut aif{
128,831,173.40
25,884,860.21
154,716,033.61154,716,033.61154,716,033.61154,716,033.61154,716,033.61
-
-
-
-
-
-
99,786,925.28
254,502,958.89254,502,958.89254,502,958.89254,502,958.89254,502,958.89
o; jif{
154,716,033.61
(44,500.06)
154,671,533.56154,671,533.56154,671,533.56154,671,533.56154,671,533.56
-
-
-
-
148,569,616.50
-
1,076,458.66
304,317,608.72304,317,608.72304,317,608.72304,317,608.72304,317,608.72
37
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===cg';
"rL–
@)
l:y/
;Dk
lQ
k/n
df]n
x|f;
s§L
v'b
df]n
ljj/
0fz'?
df}Hbft
15,000
,000
.00
30,289
,001
.70
10,32
4,90
3.90
5,67
0,60
5.32
18,574
,128
.25
5,43
4,01
4.99
14,934
,438
.82 -
219,35
4.00
100,
446,446.
9810
0,446,446.
9810
0,446,446.
9810
0,446,446.
9810
0,446,446.
98
100,44
6,44
6.98
92,266
,347.
9892
,266
,347.
9892
,266
,347.
9892
,266
,347.
9892
,266
,347.
98
o; j
if{ yk
]sf] - -
1,08
2,483.00
794,190
.00
1,61
2,36
0.00
262,56
5.00
11,772
,600
.00 -
244,900
.00
15,769
,098
.00
15,769
,098
.00
15,769
,098
.00
15,769
,098
.00
15,769
,098
.00
15,769
,098
.00
o; j
if{ 36
]sf] - - - - - - -
2,38
7,807
.00 -
2,38
7,807.
00
2,38
7,807.
00
2,38
7,807.
00
2,38
7,807.
00
2,38
7,807.
00
2,38
7,807
.00
hDdf
15,000
,000
.00
30,289
,001
.70
11,4
07,38
6.90
6,46
4,79
5.32
20,186
,488
.25
5,69
6,57
9.99
24,31
9,23
1.82 -
464,
254.
00
113,82
7,73
7.98
113,82
7,73
7.98
113,82
7,73
7.98
113,82
7,73
7.98
113,82
7,73
7.98
113,8
27,737
.98
92,266
,347.
9892
,266
,347.
9892
,266
,347.
9892
,266
,347.
9892
,266
,347.
98
ut j
if{;Dd
-
5,11
2,36
1.81
5,8
91,761
.70
2,8
76,519
.78
10,80
1,196
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1,501
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.37
6,31
9,22
7.26 -
98,
756.97
32,60
1,59
3.78
32,601
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.78
32,601
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.78
32,601
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.78
32,601
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.78 -
32,60
1,593
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26,11
3,84
1.92
26,113
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26,113
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26,113
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26,113
,841
.92
o; j
if{
-
1,25
8,8
31.9
9
1,32
1,11
0.88
843,21
5.55
2,21
6,810
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445,31
6.12
3,21
6,03
9.45 -
62,8
57.5
9
9,36
4,182.
00
9,36
4,182.
00
9,36
4,182.
00
9,36
4,182.
00
9,36
4,182.
00
9,36
4,182.00
laqmL ;d
fof]h
g - - - - - -
718,583.49
718,583.49
718,583.49
718,583.49
718,583.49
718,583.49
718,583.49
hDdf
-
6,37
1,19
3.80
7,21
2,872
.58
3,71
9,73
5.33
13,018
,007
.31
1,94
7,08
5.49
8,8
16,683.22 -
161,61
4.5
6
41,24
7,19
2.29
41,24
7,19
2.29
41,24
7,19
2.29
41,24
7,19
2.29
41,24
7,19
2.29
41,24
7,19
2.29
26,113
,841.92
26,113
,841.92
26,113
,841.92
26,113
,841.92
26,113
,841.92
o; j
if{;Dd
sf]
15,000
,000
.00
23,917
,807
.90
4,194
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.32
2,74
5,05
9.99
7,16
8,4
80.
94
3,74
9,494
.50
15,502
,549.
42 -
302,63
9.44
72,580,546.50
72,580,546.50
72,580,546.50
72,580,546.50
72,580,546.50
72,580,54
6.50
67,8
44,8
53.5
067
,844,8
53.5
067
,844,8
53.5
067
,844,8
53.5
067
,844,8
53.5
0
ut j
if{;Dd
sf]
15,000
,000
.00
25,176
,639
.89
4,4
33,142.20
2,79
4,085.
54
7,77
2,93
1.36
3,93
2,24
5.62
9,94
7,15
7.26 -
120,59
7.03
69,176
,798
.90
69,176
,798
.90
69,176
,798
.90
69,176
,798
.90
69,176
,798
.90
69,176
,798
.90
lk|m xf]N8
hld
g
ejg
kmlg{r/
tyf lkmS;\r;{
sfo
f{no
;fd
fg
sDKo"6
/ ty
f ;'rgf
k|ljw
L pks
/0f
cb[Z
o ;Dk
QL
;jf/L ;
fwg
lnh x
f]N8 ;
DkQL
cGo
-So
f; e
N6_
hDd
f
lgdf{0fflwg
kF"lh
ut v
r{
s"n
ut j
if{
38
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– @!s_ nufgL
o; jif {
370,800,000.00
180,000,000.00
-
-
-
-
194,557,381.04
226,280,521.66
14,124,460.00
985,762,362.70985,762,362.70985,762,362.70985,762,362.70985,762,362.70
-
3,245,500,000.00
75,000,000.00
-
42,500,000.00
-
66,717,647.82
106,319,456.18
1,929,408.48
-
3,537,966,512.483,537,966,512.483,537,966,512.483,537,966,512.483,537,966,512.48
4,523,728,875.184,523,728,875.184,523,728,875.184,523,728,875.184,523,728,875.18
ut jif{
454,625,000.00
150,000,000.00
10,000,000.00
-
-
-
145,321,433.22
140,970,000.00
16,003,460.00
916,919,893.22916,919,893.22916,919,893.22916,919,893.22916,919,893.22
230,775,000.00
2,021,500,000.00
60,000,000.00
-
20,000,000.00
-
110,481,882.27
142,325,915.24
963,126.70
-
2,586,045,924.212,586,045,924.212,586,045,924.212,586,045,924.212,586,045,924.21
3,502,965,817.433,502,965,817.433,502,965,817.433,502,965,817.433,502,965,817.43
qm=;+=
s_
!
@
#
$
%
^
&
*
(
v_
!
@
#
$
%
^
&
*
(
!)
cg';"rL– @!=!v_ z]o/df nufgL
qm=;+=
!
@
#
$
%
^
&
*
(
!)
!!
sDkgL
PgcfO;L Plzof a}+s ln= sf] %,@$@ yfg ;fwf/0f z]o/
s'df/L a}+s ln= sf] @!,*!$ yfg ;fwf/0f z]o/
n'lDagL a}+s ln= sf] !(,($% yfg ;fwf/0f z]o/
k|fO{d sdlz{o; a}+s ln= sf] *,)*% yfg ;fwf/0f z]o/
g]kfn P;lacfO{ a}+s ln= sf] @%,(#) yfg ;fwf/0f z]o/
l;4fy{ a}+s ln= sf] !@,@)$ yfg ;fwf/0f z]o/
l;l6hG; a}+s O{= ln= sf] ^,$)& yfg ;fwf/0f z]o/
g]kfn b"/;~rf/ s+= ln= sf] #),(() yfg ;fwf/0f z]o/
g]kfn OGe]i6d]06 a}+s ln= sf] !! yfg ;fwf/0f z]o/
glan a}+s ln= sf] (,%^! yfg k|f]df]6/ z]o/
lxdfnog a}+s ln= sf] @),*&$ yfg ;fwf/0f z]o/
c+lst d"No
524,200.00
2,181,400.00
1,994,500.00
808,500.00
2,593,000.00
1,220,400.00
640,700.00
3,099,000.00
1,100.00
956,100.00
2,087,400.00
v'b /sd
524,200.00
2,181,400.00
1,994,500.00
808,500.00
2,593,000.00
1,220,400.00
40,700.00
3,099,000.00
1,100.00
956,100.00
2,087,400.00
ahf/ d"No
5,084,740.00
11,692,304.00
6,940,860.00
4,713,555.00
33,190,400.00
9,897,444.00
3,453,373.00
20,329,440.00
10,890.00
16,062,480.00
19,642,434.00
k/n d"No
2,854,307.47
7,601,289.47
,970,278.11
2,921,399.31
18,908,165.01
4,467,540.38
1,456,349.37
17,664,228.25
8,898.78
7,509,090.52
16,955,993.20
ljj/0f
bL3{sflng nufgL
;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L
jfl0fHo a}}ssf] d'2tL lgIf]k
ljsf; a}ssf] d'2tL lgIf]k
gful/s nufgL of]hgf
ljQLo ;+:yfsf] d'2tL lgIf]k
cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! Afdf]lhd_
cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! Afdf]lhd_
a}s tyf ljQLo ;+:yfx?sf] cu|flwsf/ z]o/÷l8j]Gr/
cGo
hDdf
cNksfnLg nufgL
;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L
jfl0fHo a}}ssf] d'4tL lgIf]k
ljsf; a}ssf] d'4tL lgIf]k
gful/s nufgL of]hgf
ljQLo ;+:yfsf] d'4tL lgIf]k
a}s tyf ljQLo ;+:yfx?sf] cu|flwsf/ z]o/÷ l8a]Gr/
jfl0fHo a}}ssf] Aofh k||fKt x'g] cGo lgIf]k
ljsf; a}ssf] Aofh k||fKt x'g] cGo lgIf]k
ljQLo ;+:yfx?sf] Aofh k|fKt x'g] cGo lgIf]]k
cGo Aofh k|fKt x'g] nufgL
hDdf
s"n
39
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
!@
!#
!$
!%
!^
!&
!*
!(
@)
@!
@@
@#
@$
@%
@^
@&
@*
@(
#)
#!
#@
##
#$
#%
#^
#&
#*
#(
$)
$!
$@
$#
$$
$%
Pe/]i6 a}+s ln= sf] !,%@# yfg ;fwf/0f z]o/
OG6/g]zgn lnlhË P08 kmfOgfG; ln= sf] #,@)% yfg ;fwf/0f z]o/
a}+s sf7df08' ln= sf] !#,)@# yfg ;fwf/0f z]o/
lrlnd] hnljB't s+= ln= sf] @,@&$ yfg ;fwf/0f
:6\of088{ rf6{8 a}+s g]kfn ln= sf] $! yfg ;fwf/0f z]o/
glan a}+s ln= sf] !,#&# yfg ;fwf/0f z]o/
g]kfn a}+s ln= sf] !@(,$*^ yfg ;fwf/0f z]o/
g]kfn a+unfb]z a}+s ln= sf] @(,*^% yfg ;fwf/0f z]o/
g]kfn q]ml86 P08 s;d{ a}+s ln= sf] ^,^(! yfg ;fwf/0f z]o/
;g/fOh a}+s ln= sf] !$,^#! yfg ;fwf/0f z]o/
df5fk'R5«] a}+s ln= sf] !),*$# yfg ;fwf/0f z]o/
;f]N6L xf]6n ln= sf] !*,*%) yfg ;fwf/0f z]o/
gful/s nufgL sf]ifsf] !^* yfg ;fwf/0f z]o/
Unf]an cfOPdO a}+s ln= sf] !,!%$ yfg ;fwf/0f z]o/
u|fG8 a}+s g]kfn ln= sf] @,^$$ yfg ;fwf/0f z]o/
hgtf a}+s g]kfn ln= sf] (@$@ yfg ;fwf/0f z]o/
s[lif ljsf; a}+s ln= sf] !#,*(# yfg ;fwf/0f z]o/
c?0fEofnL xfO8«f] kfj/ 8]= s+= ln= sf] @),@)$ yfg ;fwf/0f z]o/
ls:6 a}+s ln= sf] (,^() yfg ;fwf/0f z]o/
nIdL a}+s ln= sf] @,*$^ yfg ;fwf/0f z]o/
tf/fufpF l/h]G;L xf]6n ln= sf] %,))) yfg ;fwf/0f z]o/
k|fO{d sdlz{o; a}+s ln= sf] %),))) yfg k|df]6/ z]o/
;flgdf a}+s ln= sf] !,(^@ yfg ;fwf/0f z]o/
l;len a}+s ln= sf] !@,!%* yfg ;fwf/0f z]o/
d]uf a}+s ln= sf] #,#)( yfg ;fwf/0f z]o/
;fgf ls;fg ljsf; a}+s ln= sf] #(( yfg ;fwf/0f z]o/ -af]g; z]o/_
?/n dfOqmf]kmfOgfG; 8]= ;]G6/ ln= sf] &$( yfg ;fwf/0f z]o/
sflnsf dfOqmf]q]ml86 8]= a}+s ln= sf] *@ yfg ;fwf/0f z]o/
;flgdf dfO xfO8«f] kfj/ s+= ln= sf] $&) yfg ;fwf/0f z]o/
gofF g]kfn n3'laQ ljsf; a}+s ln= sf] *! yfg ;fwf/0f z]o/
gfua]nL n3'laQ ljsf; a}+s ln= sf] !! yfg ;fwf/0f z]o/ ldlynf
ldlynf n3'laQ ljsf; a}+s ln= sf] ^# yfg ;fwf/0f z]o/
;]~r'/L sdlz{on a}+s ln= sf] !(,%&^ yfg ;fwf/0f z]o/
l/l8 xfO8«f] kfj/ 8]= s+= ln= sf] ($ yfg ;fwf/0f z]o/
hDdf
152,300.00
320,500.00
1,302,300.00
227,400.00
4,100.00
137,300.00
12,948,600.00
2,986,500.00
669,100.00
1,463,100.00
1,084,300.00
188,500.00
16,800.00
115,400.00
264,400.00
924,200.00
1,389,300.00
2,020,400.00
969,000.00
284,600.00
500,000.00
5,000,000.00
196,200.00
1,215,800.00
330,900.00
39,900.00
134,820.00
8,200.00
47,000.00
8,100.00
1,100.00
6,300.00
1,957,600.00
9,400.00
53,029,720.0053,029,720.0053,029,720.0053,029,720.0053,029,720.00
152,300.00
320,500.00
1,302,300.00
227,400.00
4,100.00
137,300.00
12,948,600.00
2,986,500.00
669,100.00
1,463,100.00
1,084,300.00
188,500.00
16,800.00
115,400.00
264,400.00
924,200.00
1,389,300.00
2,020,400.00
969,000.00
284,600.00
500,000.00
5,000,000.00
196,200.00
1,215,800.00
330,900.00
39,900.00
134,820.00
8,200.00
47,000.00
8,100.00
1,100.00
6,300.00
1,957,600.00
9,400.00
53,029,720.0053,029,720.0053,029,720.0053,029,720.0053,029,720.00
4,007,013.00
778,815.00
7,344,972.00
6,221,664.00
114,759.00
3,480,555.00
59,434,074.00
20,905,500.00
4,295,622.00
7,461,810.00
6,256,411.00
10,951,850.00
569,520.00
802,030.00
843,436.00
2,957,440.00
10,503,108.00
10,728,324.00
2,005,830.00
1,673,448.00
1,545,000.00
7,650,000.00
1,251,756.00
4,012,140.00
1,484,394.00
544,236.00
635,152.00
60,680.00
373,650.00
74,115.00
6,314.00
24,318.00
6,479,656.00
31,584.00
316,527,096.00316,527,096.00316,527,096.00316,527,096.00316,527,096.00
2,296,622.75
449,822.14
6,882,990.03
1,853,782.54
72,756.34
1,844,643.89
22,816,661.03
13,386,114.41
2,602,465.11
4,673,992.48
4,251,191.25
9,725,171.32
333,881.14
385,463.44
559,552.47
2,479,844.81
7,110,575.11
8,473,752.44
2,216,774.17
1,533,700.99
1,107,870.00
10,050,000.00
910,788.06
718,305.25
330,600.00
-
134,820.00
8,200.00
47,000.00
8,100.00
1,100.00
6,300.00
1,957,600.00
9,400.00
194,557,381.04194,557,381.04194,557,381.04194,557,381.04194,557,381.04
40
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– @$cGo ;DklQ
ljj/0f
nufgLaf6 k|fKt x'g afFsL cfoaLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL AofhcGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL AofhcGo aLdsaf6 k|fKt x'g afFsLk'gaL{dsaf6 k|fKt x'g afFsLljljw cf;fdLclu|d e'QmfgL -Aofh cfDbfgL df >f]tdf s/ sl§_sd{rf/L k]ZsLcGo k]ZsLw/f}6Lc;'n x'g afFsL aLdfz'NsGo"g M c;'n x'g afFsL aLdfz'Ns d'NtjL -suspense_cGos_ :yug s/ ;DklQv_ cGo clu|d e'QmfgLu_ gful/s nufgL sf]if hDdfhDdf
o; aif{40,769,376.39
---
418,551.98-
158,661,872.20-
204,391,357.421,256,055.00
-
154,671,533.562,343,191.992,322,122.00
564,834,060.54564,834,060.54564,834,060.54564,834,060.54564,834,060.54
ut aif{ 28,713,050.38
- - -
6,843,086.84 -
106,479,538.29 -
75,548,464.82 348,305.00
-
154,716,033.61 806,348.99 2,322,122.00
375,776,949.93 375,776,949.93 375,776,949.93 375,776,949.93 375,776,949.93
qm=;+=!@#$%^&*(!)!!
!@
cg';"rL– @@gub tyf a}+s df}Hbft
ljj/0fgub df}Hbftl6s6 df}Hbftr]]s df}Hbft
hDdfa}+s df}Hbftjfl0fHo a}+sx?sf] df}Hbftljsf; a}+sx?sf] df}HbftljQLo ;+:yfx?sf] df}HbftcGo
hDdfs'n
o; aif{12,588,495.00
49,125.70
-
12,637,620.7012,637,620.7012,637,620.7012,637,620.7012,637,620.70
60,902,981.56
14,119,386.66
-
-
75,022,368.2275,022,368.2275,022,368.2275,022,368.2275,022,368.22
87,659,988.9287,659,988.9287,659,988.9287,659,988.9287,659,988.92
ut aif{2,535,246.00
40,318.20
-
2,575,564.202,575,564.202,575,564.202,575,564.202,575,564.20
40,103,314.17
4,851,353.88
-
-
44,954,668.0544,954,668.0544,954,668.0544,954,668.0544,954,668.05
47,530,232.2547,530,232.2547,530,232.2547,530,232.2547,530,232.25
qm=;+=!
@
cg';"rL– @#cGo shf{
ljj/0fbL3{sflng shf{clestf{nfO{ shf{sd{rf/LnfO{ shf{cGo
hDdfcNksflng shf{clestf{nfO{ shf{sd{rf/LnfO{ shf{
hDdf
o; aif{
36,432,630.00
514,000.00
-
36,946,630.0036,946,630.0036,946,630.0036,946,630.0036,946,630.00
6,106,268.00
10,144,687.00
16,250,955.0016,250,955.0016,250,955.0016,250,955.0016,250,955.00
ut aif{
35,572,014.00
250,000.00
-
35,822,014.0035,822,014.0035,822,014.0035,822,014.0035,822,014.00
9,798,721.00
10,758,899.00
20,557,620.0020,557,620.0020,557,620.0020,557,620.0020,557,620.00
qm=;+=s!@#
v=!@
41
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL– @%rfn' bfloTj
ljj/0fclestf{nfO{ lbg afFsLcGo aLdsnfO{ lbg afFsLk'gaL{dsnfO{ lbg afFsLcNksflng shf{aLdfz'Ns w/f}6Lk"0f{ ljj/0f gv'n]sf] aLdfz'Nsljljw ;fx";xfos ÷ xf]lN8Ë sDkgLnfO{ lbg afFsL>f]tdf s§f ul/Psf] s/ ltg{ afFsLd"No clej[l¢ s/ ltg{ afFsL;]jf z'Ns ltg{ afFsLsd{rf/LnfO{ lbg afFsL;+rfnsnfO{ lbg afFsLcGos_ clestf{ O{hfht aGg afFsLv_ Joj:yfkg vr{ e'QmfgL ug{ afFsLu_ PWB/MIB jfkt Joj:yf3_ sn Og P8efG; af6 k|fKt
hDdf
o; aif{33,225,575.00
-
-
-
-
-
6,602,940.93
-
8,127,584.47
-
13,816,827.06
6,442,358.33
-
1,970,092.36
584,812.00
476,333.35
26,171,762.00
-
97,418,285.5097,418,285.5097,418,285.5097,418,285.5097,418,285.50
ut aif{18,615,015.00
-
-
99,000,000.00
-
-
3,303,135.93
-
6,625,898.50
-
11,523,929.40
1,614,155.63
-
1,792,112.90
754,105.00
3,609,672.00
19,770,419.00
9,760,100.00
176,368,543.36176,368,543.36176,368,543.36176,368,543.36176,368,543.36
qm=;+=!@#$%^&*(!)!!!@!#!$
c;dfKt hf]lvd Joj:yf cg';"rL– @^
ljj/0f Plzog ;fjlws aLdfsf] c;dfKt hf]lvd hu]8fclu|d e'QmfgL aLdfsf] c;dfKt hf]lvd hu]8fafnpdË aLdfsf] c;dfKt hf]lvd hu]8f;'vL hLjg aLdfsf] c;dfKt hf]lvd hu]8fj}b]lzs DofbL aLdfsf] c;dfKt hf]lvd hu]8f
hDdf
o; aif{ -
-
-
-
-
-
ut aif{-
-
-
-
1,314,581.80
1,314,581.801,314,581.801,314,581.801,314,581.801,314,581.80
qm=;+=!@#$%
42
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===cg';
"rL–
@^ -s_
cGo
Joj
:yf lj
j/0f
nfef
+z -l8
le8]G
8_ s
f] nflu
Joj
:yf
cfos
/ Jo
j:yf
nufg
Ldf gf
]S;fg
Lsf] n
flu Joj
:yf
shf{d
f gf
]S;fg
Lsf] n
flu Joj
:yf
z+sfZkb
cf;
fdLs
f] nflu
Joj
:yf
cGo
gf]S;
fgLs
f] nflu
Joj
:yf
sd{rf
/L ;D
jGwL
Joj
:yf
-s_ k]G
;g t
yf p
kbfg
Joj
:yf
-v_ ljbf j
fkt
Joj:
yf-u
_ cf
jf;
tyf c
Go ;
'ljwf Joj
:yf
-3_ sd
{rf/L
jf]g;
Joj
:yf
-ª_ cG
ocG
o Jo
j:yf
hDdf
o; j
if{- -
4,084,8
09.4
4
2,37
3,459
.00
10,000
,000
.00 - -
1,68
4,8
58.0
0
2,32
2,12
2.00 -
10,271
,286.71 - -
30,736
,535
.15
30,736
,535
.15
30,736
,535
.15
30,736
,535
.15
30,736
,535
.15
ut j
if{2,00
0,00
0.00 -
4,08
4,80
9.44
2,37
3,459
.00
10,000
,000
.00 - -
849,85
7.00 - -
4,05
1,10
7.89 - -
23,359
,233
.33
23,359
,233
.33
23,359
,233
.33
23,359
,233
.33
23,359
,233
.33
o; j
if{7,81
9,45
3.50 - - - - -
195,92
4.00
3,362
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7,51
6,98
2.88 - -
18,8
94,8
25.38
18,8
94,8
25.38
18,8
94,8
25.38
18,8
94,8
25.38
18,8
94,8
25.38
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1,177
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3,961
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4,24
6.19 - -
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92,9
91.19
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92,9
91.19
15,0
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15,0
92,9
91.19
15,0
92,9
91.19
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4,08
4,80
9.00 - - - -
216,45
7.00
3,396
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10,271
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17,9
68,9
91.15
17,9
68,9
91.15
17,9
68,9
91.15
17,9
68,9
91.15
17,9
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91.15
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342,64
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5,70
7.37
5,71
5,70
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5,71
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2,32
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if{
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! @ # $ %
43
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL–@*Plzog nfO{km OG:of]/]G; s+= ln=ljlQo ljj/0f;“u ;DalGwt k|d'v n]vf gLltx?
!_ ljQLo ljj/0f tof/Lsf cfwf/x?o; sDkgLsf] ljQLo ljj/0f aLdf P]g @)$(, aLdf lgodfjnL @)$( / aLdf ;ldltn] hf/L u/]sf] ldlt @)^&.)%.@!sf] kl/dflh{t lgb]{lzsf, k|rlnt sfg"g tyf n]vfdfg, ;fdfGotM :jLsfo{ n]vf l;¢fGtsf] clwgdf /lx tof/ ul/Psf]5 .
@_ l:y/ ;DklQ n]vfÍg gLltl:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ff (Historical Cost Concept) sf] cfwf/df n]vfÍg ug]{ gLlt cjnDagul/Psf] 5 .
#_ x|f; s§L gLltl:y/ ;DkQLx?sf] x|f; s§L cfos/ P]g @)%* cg';f/ 36\bf] b/ ljlw (Diminishing Balancing Method) sf] cfwf/dfn]vfÍg ug]{ gLlt cjnDag ul/Psf] 5 .
$_ k"FhLs[t gul/g] ;DklQx? ;DaGwL n]vfÍg gLltahf/sf] jt{dfg b/ /]6nfO{ dWogh/ /fvL ?=%,))).– ;Dddf vl/b ul/Psf] l6sfp ;fdfgx?nfO{ 5'§} lhG;L /]s8{df/fvL k'FhLs[t gug]{ gLlt lnOPsf] 5 .
%_ cfos/ Joj:yf tyf afF8kmfF8 gLltrfn' cfos/M cfos/ P]g @)%* adf]lhd cfos/ u0fgf ul/ afF8kmfF8 ;DaGwdf aLdf P]g @)$(, lgodfjnL @)$(/ aLdf ;ldltaf6 hf/L lgb]{lzsfsf] cfwf/df k|To]s lsl;dsf] aLdfsf] ef/ / gfkmf gf]S;fg lx;fasf] ef/sf] cfwf/dfafF8kmfF8 ug]{ gLlt canDag ul/Psf] 5 .
:yug s/ M :yug s/ (Deferred Tax) sf] u0fgf g]kfn n]vfdfg ( cg';f/ ul/Psf] 5 .
^_ nufgL n]vfÍg gLlt M-s_ ;/sf/L artkq÷C0fkqdf nufgL n]vfÍg gLlt M
!_ g]kfn ;/sf/sf] artkq jf C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0fkqdf ul/Psf] nufgLnfO{clÍt d'No (Face Value) jf k/n d'No dWo] h'g 3l6 x'G5 ;f]lx d'Nodf b]vfpg] gLlt cjnDagul/Psf] 5 .
@_ v08 -!_ df pNn]v ul/P cg';f/sf] nufgLsf] clÍt d'No (Face Value) eGbf k/n d'No a9L ePdfTo:tf] a9L /sdnfO{ (Deferred Expenditure) sf] ?kdf n]vfÍg u/L ;f] vr{nfO{ To:tf] nufgLsf]cjlw leq ;dfg'kflts cfwf/df (Prorata Basis) df ckn]vg ug]{ gLlt lnOPsf] 5 .
#_ v08 -!_ df pNn]v ul/Padf]lhd ul/Psf] nufgLsf] clÍt d'No (Face Value) eGbf k/n d'No sdePdf To:tf] a9L /sdnfO{ nufgLsf] cjlw leq ;dfg'kflts cfwf/df (Prorata Basia) nufgL-vl/bdf_ gfkmf n]vfÍg ug]{ gLlt lnOPsf] 5 .
$_ v08 -!_ adf]lhd art kq jf C0fkqsf] n]vfÍsg ul/Psf] d'No eGbf ahf/ d'No sd x'g uPdf To:tf]km/s /sdsf] a/fa/ Joj:yf (Provision) ug]{ gLlt lnOPsf] 5 .
-v_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgL n]vfÍg gLlt Ma}+s÷ljQLo ;+:yfsf] d'2tL lgIf]k jf gful/s nufgL sf]ifsf] nufgL of]hgfx?df ul/Psf] nufgLnfO{ ;fFjf/sddf b]vfOg] 5 . t/ To:tf] nufgLsf] Dofb ;dflKtkl5 s'g} sf/0fj; tTsfn lkmtf{ x'g] cj:yf >[hgfgePdf To:tf] nufgL a/fa/sf] hf]lvd Joj:yf (Provision) ug]{ gLlt lnOPsf] 5 .
-u_ klAns lnld6]8 sDkgLsf] z]o/ nufgLdf n]vfÍg gLlt M!_ klAns lnld6]8 sDkgLsf] z]o/df ul/Psf] nufgLnfO{ k/n d'No jf ahf/ d'No h'g 36L 5 ;f]lx d'Nodf
b]vfpg] / k/n d"No ahf/ d'No eGbf al9 ePdf ;f] a/fa/sf] hf]lvd Joj:yf ug]{ gLlt lnOPsf] 5 .
44
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
@_ klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/df;"lrs[t gePdf To:tf] sDkgLn] sf/f]jf/ ug]{ O{hfht kq kfPsf] ldltn] ltg jif{;Dd To:tf] nufgLnfO{k/n d'Nodf b]vfO{ ;f] cjlw kZrft\ ;f]lx a/fa/sf] /sd Joj:yf (Provision) ug]{ gLlt lnOPsf] 5 .
#_ -u_ sf] v08 -!_ cg';f/ nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/sf] ;"lraf6 x6]df(Delisted) ;f] nufgL a/fa/sf] /sdsf] Joj:yf (Provision) ug]{ gLlt lnOPsf] 5 .
&_ ;6xL 36a9 ;dfof]hg gLltsDkgLn] ljb]zL d'b|fnfO{ k|fKt ldltsf] ljlgdo b/df n]vfÍg ug]{ gLlt lnOPsf] 5 . ;fy} jif{sf] cGTodf ePsf] ljb]zLd'b|fsf] df}HbftnfO{ ;f] lbgsf] ljlgdo b/sf] cfwf/df km/s kg{ hfg] /sdnfO{ ljlgdo gfkmf gf]S;fg lx;fadf n]vfÍgug]{ gLlt lnOPsf] 5 .
*_ aLdfz'Ns cfDbfgL n]vfÍg gLlt
s_ sDkgLn] gub k|flKtsf] cfwf/df aLdfz'Ns cfDbfgL afFWg] gLlt lnOPsf] 5 . t/ gub k|flKt ldlteGbf aLdfz'Ns e'QmfgL ug'{ kg]{ ldltkl5 ePdf kl5Nnf] ldltdf aLdfz'Ns cfDbfgL afFWg] gLlt lnOPsf] 5 .
v_ a}b]lzs DofbL aLdf cGtu{t k|fKt Psn aLdfz'NsnfO{ ;f]lx jif{ cfDbfgL hgfpg] / aLdfÍLaf6 bfloTj lgwf{/0fu/fO{ ;f] a/fj/ Joj:yf ug]{ gLlt lnOPsf] 5 .
(_ k'gaL{df sldzg cfDbfgL n]vfÍg gLltk'gaL{dsaf6 k|fKt sldzgnfO{ gub k|fKt eP kZrft\ cyjf k'gaL{dsaf6 lnlvt ;dy{g k|fKt eP kZrft\ cfDbfgLn]vfÍg ug{] gLlt lnOPsf] 5 .
!)_ cGo cfo n]vfÍg tyf afF8kmfF8 gLltef8f (Rent) tyf cGo zLif{saf6 ePsf] cfo n]vfÍg ubf{ aLdf ;ldltsf] lgb]{zg !# adf]lhd n]vfÍg tyf afF8kmfF8ul/g] gLlt cjnDag ul/Psf] 5 .
!!_ shf{ n]vfÍg gLltsDkgLn] k|rlnt sfg"g adf]lhd shf{ k|bfg ubf{ To:tf] shf{ c;'nL x'g] kof{Kt cfwf/ v8f u/L ug]{ 5, ;fy} ;f] shf{/sdnfO{ ;fFjf /sddf n]vfÍg ug]{ gLlt lnOPsf] 5 . dfly pNn]v ul/P adf]lhd shf{ nuftf/ tLg dlxgf jf ;f] eGbfa9L cjlw efsf gf3]df ;f] shf{nfO{ lgis[o shf{ dflgg] 5 / To:tf] lgis[o shf{nfO{ aLdfn]vsf] lwtf]df k|bfg ul/Psf]shf{ afx]ssf] cj:yfdf shf{ a/fa/sf] /sd Joj:yf ul/g] gLlt cjnDag ul/Psf] 5 .
!@_ Joj:yfkg vr{ afF8kmfF8 gLltJoj:yfkg vr{ afF8kmfF8 ubf{ s"n Joj:yfkg vr{sf] () k|ltzt /sdnfO{ k|To]s lsl;dsf] aLdfsf] cfo Joo lx;fadfaLdfsf] ef/sf] cfwf/df n]vfÍg ul/g] 5 / afFsL /x]sf] !) k|ltzt /sdnfO{ gfkmf gf]S;fg lx;fadf n]vfÍg ug]{ gLltlnOPsf] 5 .
!#_ aLdf bfjL e'QmfgL vr{ n]vfÍg gLltsDkgLn] bfjLsf] nfut u0fgf ubf{ aLdfn]v adf]lhd e'QmfgL ug'{ kg]{ /sd tyf ;f] bfjL km5|\of}{6sf] nflu sDkgLsfkbflwsf/L / sd{rf/Lx?n] u/]sf] sfd / cGo vr{ afx]s cfjZos k/fdz{ tyf cg';Gwfg vr{ ;d]t ;dfj]z ul/ vr{n]vfÍg ug]{ gLlt lnOPsf] 5 .
!$_ aLdf bfjL afkt bfloTj Joj:yf n]vfÍg gLltaLdf bfjL jfktsf] km5\of}{6 x'g afFsL d[To' bfjL, cjlw ;dflKt bfjL, cf+lzs cjlw ;dfKtL bfjL tyf ;dk{0f d"No bfjLjfkt aLdf lgodfjnL @)$( bkmf !% -3_ sf] k|fjwfg cGtu{t s'n bfjL /sdsf] !!% k|ltzt /sd Joj:yf ug]{ gLltlnOPsf] 5 .
!%_ aLdf Joj;fodf art afF8kmfF8 gLltsDkgLsf] aLdfÍLo d"NofÍg geP;Dd ;DalGwt aLdfsf] aLdfn]vaf6 ePsf] cfDbfgLnfO{ ;f]lx aLdfsf]ifdf /sdfGt/ug]{ gLlt lnOPsf] 5 ;fy} gf]S;fgL ePdf gfkmf gf]S;fg lx;fadf ;fg]{ gLlt lnOPsf] 5 .
45
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
t/ a}b]lzs DofbL hLjg aLdfsf] xsdf c;dfKt hf]lvd jfkt ladfÍLsf] d"NofÍg k|ltj]bg k|fKt ePsf] cj:yfdf ;f]adf]lhd Joj:yf u/L afFsL /sdnfO{ gfkmf gf]S;fg lx;fadf nfg] gLlt lnOPsf] 5 .
!^_ sd{rf/L pkbfg, labf tyf cGo ;'ljwf afkt Joj:yf gLltsd{rf/L pkbfg, labf tyf cGo ;'ljwf afkt e'QmfgL ug'kg]{ bfloTj k|f]beflj (Accrual) cfwf/df n]vfÍg ug]{ gLltlnPsf] 5 .
!&_ z+sf:kb cf;fdL Joj:yf gLltsDkgLn] cf;fdLsf] Ageing cg';f/ Joj:yfkgn] gp7\g] elg Joj:yf (Provision) ug{ cfjZos 7fg]df ;+rfns;ldltaf6 kfl/t u/fO{ Joj:yf (Provision) ug]{ gLlt lnOPsf] 5 .
!*_ ckn]vg vr{ n]vfÍg gLltsDkgLsf] k|f/lDes vr{nfO{ sDkgL ;+rfngdf cfPsf] jif{df g} vr{ n]vfÍg ug]{ gLlt lnPsf] 5 .
!(_ cGo gLltx?
!= c;dfKt hf]lvdsf] nflu Joj:yf gLlt
s_ sDklgn] aflif{s jf ;f] eGbf sd cjlwsf] aLdf z'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL jfkt bfjLe'QmfgL ug'{ gkg]{ lsl;dsf] aLdfsf] aLdfÍLo d"NofÍg eO{ cfPsf] cj:yfdf ;f] a/fa/ Joj:yf ug]{ /aLdfÍLo d"NofÍg gePsf] cj:yfdf c;dfKt hf]lvd jfkt v"b aLdf z'Nssf] %)Ü /sd Joj:yf ug]{/ pQm /sdnfO{ kl5Nnf] cfly{s jif{df cfDbfgL n]vfÍg ug]{ gLlt lnOPsf] 5 .
v_ Psn aLdf z'Ns tf]lsPsf] / aLdf cjlw ;dfKtL jfkt bfjL e'QmfgL ug'{ gkg]{ lsl;dsf] aLdfsf]/sdnfO{ aLdf cjlwsf] ;dfg'kflts x'g]u/L c;dfKt hf]lvd jfkt /sd Joj:yf ug]{ lglt lnOPsf] 5 .
u_ aLdfÍLaf6 bfloTj lgwf{/0f gePsf] cj:yfdf aLdf cjlw ;dflKt jfkt bfjL e'QmfgL ug'{ gkg]{lsl;dsf] aLdf Aoj;fosf] cfo Joo lx;faaf6 x'g cfPsf] artnfO{ hLjg aLdf sf]ifdf ;fg]{ gLltlnOPsf] 5 .
46
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
&= sDkgLsf] ljQLo ljj/0fdf pNn]v ePcg';f/sf] a}+s tyf ljQLo ;+:yf;+usf] sf/f]jf/sf] lx;fa ldnfg ePsf] 5 . a}+sdf}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷laQLo ;+:yfsf] ;dy{g k|fKt ePsf] 5 .
*= o; sDkgLn] k'gaL{ds l;+ufk'/sf] SCOR Global Life SE Singapore Branch ;Fu ePsf] ;Demf}tf adf]lhdsf] b//]6 cg';f/ )&! cfiff9 d;fGt;Ddsf] sf/f]af/sf] cfwf/df pQm k'gaL{ds SCOR Global Life SE SingaporeBranch af6 ?= $ nfv !* xhf/ % ;o %! ?k}+of k};f (* dfq lng afFsL /x]sf] 5 .
(= sDkgLsf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x]sf] 5 .
!)= sDkgLsf] ;+rfns jf ;+rfns;Fu ;DalGwt JolQm jf ;+:yf;Fu sf/f]af/ ePsf] 5}g .
!!= sDkgLn] o; cf=j=df cfkm\gf] d'¢tL lgIf]ksf] ;'/If0fdf s'g} shf{ lnPsf] 5}g .
!@= cfos/ P]g @)%* adf]lhd s/sf] u0fgf ubf{ s/ of]Uo cfo gePsf]n] s/ ;DaGwL bfloTjsf] Joj:yf ul/Psf] 5}g .
!#= sDkgLn] o; cf= j= df aLdfz'Ns lkmtf{ u/]sf] 5}g .
!$= o; sDkgLn] cf=j= @)&).)&! ;Ddsf] ladflÍo d'NofÍsg cg';f/ aLldtnfO{ k|bfg ug]{ af]gz b/ k|ltxhf/ ?=#% b]lv?=*) ;Dd /x]sf] 5 .
!%= o; cf=j= df sDkgLn] l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns lnPsf] 5 ;fy} o; cf=j= ;Dddf aLdfn]vsf] lwtf]dfhDdf !) s/f]8 $* nfv $ xhf/ % ;o $& ?k}of+ shf{ k|bfg u/]sf] 5 / ;f] sf] Jofhb/ !!Ü /x]sf] 5 .
nufgL If]q
!= g]kfn ;/sf/ / g]kfn /fi6« a}+ssf] C0f kq jf g]kfn ;/sf/sf]
hdfgt k|fKt C0f kq÷jrt kq
@= afl0fHo a}+ssf] d'2tL lgIf]k
#= ljsf; a}+ssf] d'2tL lgIf]k
$= klJns lnld6]8 sDkgLsf] l8j]Gr/ tyf z]o/
%= ljQ sDkgLx?sf] d'2lt lgIf]k
^= Jofh k|fKt x'g] cGo lgIf]k
hDdf
nufgL ul/Psf]
/sd
370,800,000.00
3,425,500,000.00
85,000,000.00
420,837,902.70
42,500,000.00
188,290,972.48
4,532,928,875.184,532,928,875.184,532,928,875.184,532,928,875.184,532,928,875.18
nufgL
k|ltzt
8.18
75.57
1.88
9.28
0.94
4.15
100 100 100 100 100
cg';"rL–@(Plzog nfO{km OG:of]/]G; s+= ln=ljQLo ljj/0f;“u ;DalGwt n]vf ;DalGw l6Kk0fLx?
!_ ;Defljt bfloTjx? Mc_ sDkgLsf] xfn;Dd r'Qmf jf e'QmfgL x'g afFsL nufgL /sd 5}g .cf_ xfn sDkgLn] s'g} k|Tofe"lt k|lta4tf u/]sf] 5}g .O_ sDkgLdf aLdfn]v cGtu{t eGbf afx]saf6 cGo s'g} bfjL k/]sf] 5}g .O{_ sDkgLn] cfkm\gf] tkm{af6 s;}nfO{ s'g} Uof/]06L lbPsf] 5}g .p_ o; cfly{s jif{df sDkgLsf] cGo ;Defljt bfloTj l;h{gf ePsf] 5}g .
@_ sDkgLn] ;+rfngdf NofPsf] hLjg aLdf Joj;fosf] cfly{s jif{ )&).)&! ;Ddsf] sf/f]jf/sf] aLdfÍLo d"NofÍg aLdf;ldltaf6 lglb{i6 Gross Premium Method sf] cfwf/df ul/Psf] 5 .
#_ sDkgLsf] ;DklQdf xfn;Dd s'g} ;Lldttf tyf ljjfbx? 5}gg\ .
$_ sDkgLn] shf{, nufgL tyf l:y/ ;DklQsf] nflu s'g} k|lta¢tf hgfPsf] 5}g .
%_ c_ sDkgLn] nufgLdf :jfldTj k|fKt u/]sf] 5 .
^_ o; jif{e/L ul/Psf] nufgLsf] ljj/0f M
47
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
!^= sDkgLsf] ckn]vg x'g afFsL nufgL lk|ldod ?= ! nfv ^* xhf/ * ;o %$ / k};f () dfq /x]sf] 5 .
!&= r'Qmf k"FhL dWo] clu|d e'QmfgL k|fKt (Paid in advance), e'QmfgL k|fKt x'g afFsL (Call in arrears) / hkmt ul/Psft/ k'gM lgisfzg gul/Psf s'g} z]o/ afFsL 5}g .
!*= lnh xf]N8 ;DklQdf o; jif{ vr{ (Amortization) n]lvPsf] /sd 5}g .
!(= jif{el/ jf;nft aflx/sf] s'g} sf/f]af/ 5}g .
@)= cl3Nnf aif{x?;Fu ;DalGwt s'g} cfDbfgL 5}g .
@!= cGoM
s_ o; cf=j=df >[hgf ePsf] t/ hfgsf/Ldf gcfPsf] Incurred But Not Reported (IBNR) bfjL gePsf] x'Fbf ;f]sf] n]vfÍg ul/Psf] 5}g .
v_ o; cf=j=df gfkmf gf]S;fg lx;fa adf]lhd afF8kmfF8 of]Uo /sdaf6 ?=!$,*%,^(,^!^.%) af]gz z]o/ / ;f] sf]s/ k|of]hgfy{ ?=&*,!(,$%#.%) u/L r"Qmf k"FhLsf] #) k|ltzt -s/ ;lxt_ hDdf ?=!%,^#,*(,)&).)) afF8kmfF8ug{] k|:tfj ul/Psf] 5 .
u_ o; cf=j=)&).)&! df gfkmfsf] cfwf/df sd{rf/L af]g; jfkt ?=&%,!^,(*@.** sf] Joj:yf ul/Psf] 5 .
3_ sDkgLn] o; cf=j=df dxfljklQ hu]8f sf]ifdf gfkmf gf]S;fg lx;fa cGtu{t afF8kmfF8sf] cflu pknAw /sdsf]!) Ü a/fa/sf] /sd ?= !,&$,(!,@@%.$) Joj:yf u/sf] 5 .
ª_ :yug s/ Aoj:yfM o; cf=j= df :yug s/ jfkb ?=$$,%)).)^ :yug s/ bfloTj b]vfO ;f]xL /sd a/fa/:yug s/ ;DklQdf ;dfof]hg u/LPsf] 5 .
r_ of] ljQLo ljj/0f Going Concern dfGotfsf cfwf/df tof/ kfl/Psf] 5 .
5_ sDkgLn] o; cf=j= df xs k|b z]o/ af6 ?=@,$!,^*,%)).)) k|fKt u/]sf] 5 .
h_ sd{rf/L cfjf; tyf sd{rf/L jf]g; Joj:yf
>d P]g @)$* jdf]lhd sd{rf/L cfjf; JoJf:yfdf /sd 5'6\ofOPsf] 5}g . jf]g; P]g @)#) sf] Joj:yf cg';f/s/ Joj:yf cl3sf] v'b gfkmfsf] !) k|ltztn] x'g] /sd sd{rf/L jf]g; jfkt vr{ Joa:yf u/]sf] 5 .
em_ ;Da4{ JoQmL larsf] sf/f]jf/
d'Vo Joj:yfksLo lhDd]jf/L kfPsf] JolQm M >L /fh]z s'df/ >]i7, k|d'v sfo{sf/L clws[tn] o; cf=a=df k|fKtu/]sf] tna eQf tyf ;'lawfsf] /sd b]xfo adf]hLd /x]sf] 5 .
!= k|dv sfo{sf/L clws[t tyf cGo kbflwsf/Lx? -pk k|aGws txb]lv dflysf]_ ?= 2,19,65,935.00
!_ c+ssf] k'gM jlu{s/0f
s_ ut jif{sf c+sx? cfjZostf cg'';f/ k"gjlu{s/0f ul/Psf 5g\ .
48
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
cg';"rL – #)
k|d'v ;'rsf°x¿
qm=;+=
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
ljj/0f
g]6 jy{
z]o/ ;+Vof
k|lt z]o/ lstfaL d"No
v'b gfkmf
k|lt z]o/ cfo (EPS)
k|lt z]o/ nfef+z (DPS)
k|lt z]o/ ahf/ d"No (MPPS)
d"No cfDbfgL cg'kft (PE Ratio)
k|yd jif{sf] aLdfz'Ns
s'n aLdfz'Ns
v'b aLdfz'Ns / s'n aLdfz'Ns
v'b gfk;f / s'n aLdfz'Ns
s'n aLdfz'Ns / s'n ;Dklt
nufgL ÷ shf{af6 cfo / s'n nufgL ÷ shf{
s'n nufgL ÷ shf{ / hLjg aLdfsf]if
k"gaL{df sldzg cfo / s'n k"gaL{df z'Ns
JojMyfkg vr{ / s'n aLdf z'Ns
aLdf clestf{ ;DalGw vr{ / s'n aLdf z'Ns
aLdf clestf{ ;+Vof -tflnd k|bfg_
sd{rf/L ;+Vof
sfof{nosf] ;+Vof -laqmL s]Gb| ;lxt_
sd{rf/L vr{ / Joj:yfkg vr{
sd{rf/L vr{ / sd{rf/L ;+Vof
e'QmfgL x'g a‘fsL bfaL÷sd/e'QmfgL ePsf] bfaL /sd
s'n sfod /x]sf] aLdfn]vsf] ;+Vof
o; jif{ gjLs/0f ePsf] aLdfn]vsf] ;+Vof / ut jif{
sfod /x]sf] aLdfn]vsf] ;+Vof
bfaL k/]sf] aLdfn]vsf] ;+Vof / s'n sfod /x]sf]
aLdfn]vsf] ;+Vof
;f]Ne]G;L dflh{g
3f]lift af]g; b/
cGtl/d af]g; b/
;'rsf°x?
<.
m_Vof
<.
<.
<.
<.
<.
cg'kft
<.
<.
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
m_Vof
m_Vof
m_Vof
k|ltzt
?=
k|ltzt
m_Vof
k|ltzt
k|ltzt
k|ltzt
<.
k|ltxhfF
<.
k|ltxhfF
070/071
825,614,509
5,212,969
158
75,125,328.73
14
-
1,250
87
322,638,346
1,381,682,706
100
5
26
8
106
1
12.36
13
50,269
298
93
48
276,422
0.06
189,758
0.97
0.19
1.65
35-80
35-80
cf= a=
069/070
752,320,425
4,971,284
204
125,427,322
25
-
250
10
214,701,072
1,152,392,940
100
11
28
7
115
97
11
12
45,476
273
86
60
283,247
0.01
207,523
0.85
0.16
3.18
25-68
25-68
68/069
624,964,702
3,600,000
174
113,911,801
32
9
189
6
278,888,922
1,037,610,301
100
11
36
8
119
13
20
24
41,872
238
114
25
214,115
0.16
227,086
0.59
0.13
-
25-68
25-68
67/68
512,363,835
3,600,000
142
44,892,444
12
-
173
14
379,956,266
939,174,048
99
5
46
8
134
7
18
27
33,091
225
105
27
197,054
0.05
275,405
0.45
0.17
-
25-68
25-68
66/67
371,266,817
3,600,000
103
59,937,014
17
28
257
15
563,270,960
820,367,869
92
7
68
7
171
1
7
22
21,500
166
55
45
150,035
0.02
268,361
0.38
0.11
-
35
35
49
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===cg';
"rL–
#!
aLdf
°sf] ljj/
0f
aLdf
sf] ls
l;d
o; j
if{
74,8
49
8,672
97,16
6
37,20
1 -
217
,888
217,888
217,888
217,888
217,888
qm=;
+=
ut j
if{
72,995
8,308
91,529
34,065 -
206,897
206,897
206,897
206,897
206,897
o; j
if{
7,57
3,649
,330
1,02
9,98
6,50
0
8,98
7,94
7,17
0
4,21
2,98
4,00
0 -
21,8
04,5
67,0
0021
,804
,567
,000
21,8
04,5
67,0
0021
,804
,567
,000
21,8
04,5
67,0
00
ut j
if{
5,94
9,60
3,845
704,4
59,249
6,860
,778
,703
3,02
2,93
8,313
313,00
0,00
0
16,8
50,780,110
16,8
50,780,110
16,8
50,780,110
16,8
50,780,110
16,8
50,780,110
ut j
if{
341,417
,090
62,8
60,212
51,509
,477
236,54
3,60
0
187,800
,000
880,130
,380
880,130
,380
880,130
,380
880,130
,380
880,130
,380
sfod
/x]sf
aLdf
n]vsf] ;+V
ofsfod
/x]sf] aLdf
n]v c
Gtu{t
hDd
faLdf
°;d
P6
l/:s
(Sum
at R
isk)
k'gaL{ds
nfO{ x
:tfGt
/0f ul/P
sf] ;
d
P6 l/:
s (S
um a
t Ris
k)
ut j
if{
6,876
,952
,131
807
,564
,000
7,822
,634
,370
3,418
,127
,500
313,00
0,00
0
19,238
,278
,001
19,238
,278
,001
19,238
,278
,001
19,238
,278
,001
19,238
,278
,001
o; j
if{
6
,320,54
8,58
4
887
,382,79
5
7,631
,032
,993
3,654
,890
,478 -
18,
493
,854
,850
18,
493
,854
,850
18,
493
,854
,850
18,
493
,854
,850
18,
493
,854
,850
o; j
if{
539,51
0,78
6
206,39
1,407
75,334
,708
449,31
9,78
0 -
1,27
0,556
,681
1,27
0,556
,681
1,27
0,556
,681
1,27
0,556
,681
1,27
0,556
,681
ut j
if{
5,60
8,186,75
5
641,59
9,03
7
6,809
,269
,226
2,78
6,39
4,713
125,20
0,00
0
15,970
,649,73
115
,970
,649,73
115
,970
,649,73
115
,970
,649,73
115
,970
,649,73
1
o; j
if{
5,78
1,03
7,79
8
680,99
1,38
8
7,55
5,69
8,285
3,20
5,57
0,69
8 -
17,223
,298
,169
17,223
,298
,169
17,223
,298
,169
17,223
,298
,169
17,223
,298
,169
aLds
n] wf
/0f u/
]sf] ;
d P6
l/:s
(Su
m a
t Ris
k)
! @ # $ %
;fjlws
hLjg
aLdf
clu|d
e'Qm
fgL
afnp
dË
?kfGt
l/t ;
fjlws
a}b]lz
s Dof
bL
hDd
f
50
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; s+= ln=k|wfg sfof{no, sf7df08f}+sf] cf=j= @)&)÷÷÷÷÷)&!
Joj:yfkg k|ltj]bg
kl/lzi6–!-lgb]{zg % ;+u ;DalGwt_-s_ sDkgL ;DaGwL ;fdfGo hfgsf/L
!_ ;+:yfkgf ldlt M g]kfn ;/sf/, sDkgL /lhi6«f/sf] sfof{nodf ldlt @)^$.)&.@& df btf{ g+= !)#@÷)^$÷^%af6 ljlwjt sDkgL btf{ ul/Psf] 5 .
@_ sDkgL btf{sf] k|df0fkq kfPsf] ldlt M aLdf ;ldlt, rfjxLn, sf7df8f}+af6 ldlt @)^$÷!!÷!% df sDkgLn]g]kfn clw/fHo e/L aLdf sf/f]jf/ ug{ Ohfhtkq k|fKt u/]sf] 5 .
#_ sDkgLn] cg'dtL kfPsf] aLdf Joj;fosf] lsl;d / k|sf/ M hLjg jLdf .$_ sDkgLn] Joj;fo k|f/De u/]sf] ldlt M sDkgLn] @)^$.!@.@! b]lv sf7df8f}df hLjg aLdf ;DaGwL sf/f]jf/sf]
k|f/De u/]sf] xf] .-v_ sDkgLsf] ;+rfns ;ldltn] b]xfosf a'Fbfx? ;+rfns ;ldltsf] @)&!÷!!÷ sf] a}7saf6 k|dfl0ft ul/Psf] 5 M
!= sDkgLn] aLdf ;ldltaf6 cf=j= )&!÷&@ r}q d;fGt;Ddsf] nflu gljs/0f ul/;s]sf]n] k|df0fkqsf] j}wtfsfod /x]sf] 5 .
@= sfg"g adf]lhd sDkgLn] ltg'{, a'emfpg' kg]{ s/, ;]jf, z'Ns ;DalGwt lgsfodf a'emfO{ ;s]sf] 5 . sDkgLn] s'g}b08 hl/jfgf a'emfpg'kg]{ jf afFsL /x]sf] 5}g .
#= sDkgLsf] z]o/ :jfldTjsf] ;+/rgf k|rlnt sfg"gL Joj:yf, aLdf ;ldltsf] lgb]{zg / sDkgL P]g adf]lhd /x]sf] 5 .$= aLdf ;ldltsf] lgb]{zg cg'?k Solvency Margin sfod ul/Psf]] 5 .%= -s_ jf:tljs ?kdf k|fKt x'g ;Sg] d"No÷ahf/ d"No eGbf jf;nftsf] ldltdf sDkgLsf] ljQLo ljj/0fdf
;dfj]z ul/Psf ;Dk"0f{ ;DklQx?sf] d"No a9L /x]sf] 5}g .-v_ a'Fbf -s_ adf]lhdsf] ;DklQsf] d"No t'ngf ug{ k/n d'No, k|rlnt ahf/ d"No / cfos/ P]g adf]lhd 36\bf]
k4ltdf x|f; slÍ ul/] ;DklQsf] afFsL d'No cfwf/ dflgPsf] 5 .^= Ohfht k|fKt x'g' cl3 aLdf ;ldltsf] zt{ cg';f/ kZrft\ sfg'gL Joj:yfsf] kl/lw leq /xL nufgL ul/Psf] 5 .&= sDkgLnfO{ cfO{ kg{ ;Sg] ;Dk"0f{ hf]lvdx? tyf ;f]sf] lg/fs/0fsf nflu aLdf ;ldltn] hf/L u/]sf] lgb]{zfg';f/
n]vfk/LIfsn] cf}NofP cg';f/ / sDkgL ;+rfns ;ldltaf6 kfl/t u/fO{ nfu' u/]sf hf]lvd Joj:yfkg gLltcjnDag ul/Psf] Q .
*= sDkgLsf] g]kfn aflx/ s'g} sfof{no /x]sf] 5}g .(= ljQLo ljj/0f tof/ ubf{ k|rlnt aLdf P]g, @)$( aLdf lgodfjnL, @)$( / ;f] cGtu{t hf/L ul/Psf aLdf
;ldltsf] cfb]z jf lgb]{zg, sDkgL P]g @)^# tyf cGo sfg"gx? tyf n]vfdfg, n]vfsf] l;4fGt / gLltx? kfngful/Psf] 5 .
!)= -s_ sDkgLn] pko'Qm n]vf gLlt cjnDag u/]sf], ;f]sf] k|of]udf Ps?ktf sfod u/]sf] / To:tf] gLltsf] k/LIf0fu/L pko'Qmtf Plsg u/]sf] 5 .
-v_ sDkgLsf] ljQLo ljj/0fn] jf;nftsf] ldltdf aLdssf] gfkmf gf]S;fg nufotsf ljQLo cj:yfsf] oyfy{tyf jf:tljs lrq0f ub{5 .
!!= sDkgLsf] ;+rfns ;ldltn] sDkgLsf] ;DklQsf] ;'/Iffsf] nflu tyf hfn;fhL jf cGo clgoldttf kQf nufpg/ /f]Sgsf nflu pko'Qm / kof{Kt Joj:yf u/]sf] 5 .
!@= sDkgLn] "Going Concern Basis" df cfˆgf] laQLo ljj/0f tof/ u/]sf] 5 .!#= sDkgLn] o; cf j df afXo >f]taf6 cfGtl/s n]vf kl/Ifs lgo"Qm u/L cfkmgf] sf/f]jf/sf] cfGtl/s n]vfkl/If0f
u/fOPsf] 5 .!$= k|rlnt aLdf P]g, @)$( tyf sDkgL P]g @)^# / ;f] cGtu{tsf lgodfjnL, cfb]z jf lgb]{zgsf] k|lts'n x'g]
u/L s'g} JolQm, kmd{, sDkgL tyf aLdssf] ;+rfns jf ;+rfnssf] :jfy{ /x]sf] ;+:yf;+u sf/f]af/ ul/Psf] 5}g .
51
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; s+= ln=k|aGwkqdf ug'{kg{] ;+zf]wg
k|aGwkqsf]bkmf
xfnsf] Joj:yf ;+zf]wg k|:tfj / yk ;+zf]wg / yk ug'{sf] sf/0f
sDkgLsf] k"FhLsf] ;+/rgf
sDkgLsf] cwls[t k"FhL?= !,)),)),)),)))=)) -Psca{ x'g]5 . ;f] k"FhLnfO{ ?= !)).–b/sf !,)),)),))).– -Ps s/f]8_yfg ;fwf/0f z]o/df ljefhg ul/Psf] 5 .
sDgLsf] tTsfn hf/L ug{] z]o/k"FhL ?= ^),)),)),))).–-;f7Ls/]f8_ x'g]5 . ;f] k"FhLnfO{ k|ltz]o/ ?= !)).– b/sf^),)),))).– -;f7L nfv_ yfg;fwf/0f z]o/df ljefhg ul/Psf]5 .
sDgLsf] tTsfn r'Qm k"FhL?= %@,@&,%*,!)).– -afpGgs/f]8 ;QfO; nfv cG7fpGgxhf/ Ps ;o_ x'g]5 . ;f]k"FhLnfO{ k|lt z]o/ ?= !)).– b/sf] %@,@&,%*! -afpGg nfv;QfO; xhf/ kfFr ;o Psf;L_yfg ;fwf/0f z]o/df ljefhgul/Psf] 5 .
-v_ sDkgLn] tTsfn hf/L ug{] z]o/k"FhL ?= 67,13,27,700.– ;T;7Ls/f]8 t]x| nfv ;QfO; xhf/ ;ft ;odfq_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?=!)).– b/sf] ^&,!#,@&& ;T;7L nfvt]x| xhf/ b'O{ ;o ;tt/ yfg dfq_;fwf/0f ljefhg ul/Psf] 5 .
sDkgLsf] tTsfn r'Qmf k"FhL?= 67,13,27,700.– ;T;7L s/f]8 t]x|nfv ;QfO; xhf/ ;ft ;o dfq_ x'g]5 .;f] k"FhLnfO{ k|lt z]o/ ?= !)).– b/sf]^&,!#,@&& ;T;7L nfv t]x| xhf/ b'O{;o ;tt/ dfq_ ;fwf/0f z]o/dfljefhg ul/Psf] 5 .
^
^=!s_
^=!v_
^=!u_
af]g; z]o/ tyf xsk|b z]o/hf/L u/L sDkgLsf] k"FhL a[l4ug{] .
af]g; z]o/ tyf xsk|b z]o/hf/L u/L sDkgLsf] k"FhL a[l4ug{] .
52
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
Plzog nfO{km OG:of]/]G; s+= ln=lgodfjnLdf ;+zf]wg
bkmf ;fljs Joj:yf ;+zf]wg k|:tfj sf/0f tyf cf}lrTo
;+rfnssf] kfl/>lds, eQf / ;'lawf;DalGw Aoa:yf!_ ;+rfnssf] kfl/>lds, a}7s
eQf, b}lgs eQf tyf cGo;'lawfx? ;fwf/0f ;efn] tf]s]adf]lhd x'g]5 .
s_ ;+rfns ;ldltsf] a}7sdfefu lnP jfkt k|lt a}7scWoIfnfO{ ?=*,))).– /;+rfnsx?nfO{ ?=^,))).–tyf laleGg laifout;ldltx?sf] a}7sdf efu lnPjfkt ;+of]hs / ;b:ox?nfO{k|lt a}7s ?=$,))).– sf] b/n]a}7s eQf lbg] .
!_ ;+rfnssf] kfl/>lds a}7s eQf,b}lgs eQf tyf cGo ;'lawfx?;fwf/0f ;efn] tf]s] adf]lhdx'g]5 .
s_ ;+rfns ;ldltsf] a}7sdf efulnP jfkt k|lt a}7s cWoIfnfO{?= !),))).– / ;+rfnsx?nfO{?= *,))).– tyf ljleGg ljifout;ldltx?sf] a}7sdf efu lnPjfkt ;+of]hs / ;b:ox?nfO{k|lt a}7s ?=%,))).– sf] b/n]a}7s eQf lbg] .
v_ ;+rfns ;ldlt / cGo ;ldltsf]a}7sdf efu lnbf a}7s eQfafx]s e|d0f vr{ tyf cGo;'lawfx?sf] xsdf e|d0f vr{afkt jf:tljs vr{sf] e'QmfgLkfpg] tyf cGo ;'lawfx? -a:g/ vfg_ jfkt k|ltlbg jf:tljsvr{ jf a9Ldf ?=%,))).– ;Dd .
u_ sDkgLsf] sfddf b]z leq / aflx/hfFbf k|bfg ul/g] b}lgs eQf,e|d0f vr{ tyf cGo ;'lawfx?sf]xsdf b}lgs eQf jfkt ?=*,))).–lbg], e|d0f vr{ afkt jf:tljsvr{sf] e'QmfgL kfpg] tyf cGo;'lawfx? -a:g / vfg_ jfktk|ltlbg jf:tljs vr{ jf a9Ldf?=%,))).– sf] b/n] b]z leq,ef/t hf+bf ef=?=%,))).– tyft]>f] d'n's hf+bf o"=P;=8n/ !%)sf b/n] kfpg] .
!_ s_ ;do ;fk]If u/LPsf] .
!_ v_ vr{nfO{ lgoGq0f tyflgoldt ug'{ kg]{ ePsf]n] .
!_ u_ vr{nfO{ lgoGq0f tyflgoldt ug'{ kg]{ ePsf]n] .
#@=!
53
LifeInsuranceCompany
;a}sf] nflu ;w}+sf] nflu ;'/Iff===
o; sDkgL sf] cf=j= @)&).)&! sf] ljQLo ljj/0f >L aLdf ;ldltsf] ldlt @)&@.)!.@& sf] kq af6 :jLs[t ubf{ nufOPsf] zt{ tyf ;'emfjx?sf] ;DaGwdfsDkgLsf] egfO{ .!= aLdf ;ldltn] hf/L u/]sf] nufgL lgb]{zgsf] kl/lw leq /lx nufgL ul/g] Joxf]/f cg'/f]w ub{5f}+ .@= sDkgLn] l:y/ ;DklQsf] gf]SzfgL af6 x'g] hf]lvd af6 aRg ;dod g} kof{Kt aLdf ;'/Iffsf] Joj:yf ug]{ Joxf]/f cg'/f]w ul/G5 .#= sDkgLn] aLdfsf] kx'Fr tNnf] ju{ tyf u|fld0f hgtf ;Dd k'¥ofpg dfOqmf] k|f]8S6x? tof/ ul/ nfu' ug{ k|of;/t /x]sf] Joxf]/f cg'/f]w ul/G5 .$= aLdf ;ldltaf6 hf/L ePsf] ;+:yfut ;'–zf;g ;DalGw lgb]{lzsf, @)^( sf] k"0f{ kfngf ug{ sDkgL sl6a4 /x]sf] Joxf]/f cg'/f]w ub{5f}+ .%= sDkgLsf] jflif{s ;fwf/0f ;ef sDkgLsf] /lhi6«8{ sfof{no jL/u+hdf ldlt @)&@.)@.@$ ut] cfOtaf/ ul/g] Joxf]/f hfgsf/Lsf] nflu cg'/f]w
ub{5f}+ .^= sDkgLsf] cfGtl/s lgoGq0f k|0ffnL cfufdL lbgx?df cem k|efjsf/L agfpFb} nlug] 5 . ;fy} cfGtl/s tyf jfXo n]vfkl/Ifsn] cf}+NofPsf
s}kmotx? ;'wf/ ub}{ nlug] Joxf]/f cg'/f]w ub{5f}+ .
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