g]kfn /fi6« a}+såf/f æsÆ ju{sf] O{hfht k|fKt ;+:yf Stronger … Annual...Gongab New Road u Swoyambhu Kapan Boudha Kamaladi Kuleshwo Kirtipur r Pata Jawalakhel Anamnagar Baneshwor

StrongerTogether

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l;len a}+s lnld6]8sf]kf“rf} jflif{s ;fwf/0f ;ef;DaGwL

;"rgf

o; a}+ssf] ldlt @)&@÷)(÷!# ut] a;]sf]] ;+rfns ;ldltsf] !&(cf}+ a}7ssf] lg0f{ofg';f/ a}+ssf] kfrf}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf b]xfosf ljifox¿ pk/ 5nkmn u/L lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf ^& adf]lhd z]o/wgL dxfg'efjx¿sf] hfgsf/Lsf] nflu of] ;'rgf k|sflzt ul/Psf] 5 . ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ pNn]lvt ldlt, :yfg / ;dodf pkl:yltsf] nflu xflb{s cg'/f]w ub{5' .

;ef x'g] ldlt, :yfg / ;do M;ef x'g] ldlt M @)&@ ;fn df3 dlxgf ^ ut] -tbg';f/ @), hgj/L=, @)!^_ a'wjf/ . :yfg M lqe'jg cfdL{ clkm;;{ Snj, eb|sfnL, sf7df08f}+ .;do M ljxfg !!M)) ah] .

jflif{s ;fwf/0f ;efsf] 5nkmnsf] ljifox¿ M

-s_ ;fwf/0f k|:tfjx?M != ;+rfns ;ldltsf] jflif{s k|ltj]bg @)&!÷)&@ pk/ 5nkmn u/L kfl/t ug]{ .@= n]vfk/LIfssf] k|ltj]bg ;lxt ;Djt\ @)&! cfiff9 d;fGt;Ddsf] jf;nft, ldlt @)&!÷)$÷)! b]lv

@)&@÷)#÷#@ ut];Ddsf] gfkmfgf]S;fg lx;fj tyf gub k|jfx ljj/0f nufotsf ljQLo ljj/0fx?df 5nkmn u/L kfl/t ug]{ .

#= ;+rfns ;ldltn] k|:tfj u/] adf]lhd k|ltz]o/ )=#%%Ü gub nfef+z ljt/0f ug{ :jLs[t ug]{ .$= sDkgL P]g, @)^# bkmf !!! cg';f/ cfly{s jif{ @)&@÷)&# sf] nflu n]vfk/LIfs lgo'Qm ug]{ / lghsf]

kfl/>lds lgwf{/0f ug]{ . -jt{dfg n]vfk/LIfs GP Rajbahak & Co_ k'gM lgo'lQmsf] nflu of]Uo x'g'x'G5_ %= a}+ssf] lgodfjnL cg';f/ ;+:yfks -;d'x æsÆ_ z]o/wgLx¿sf] tkm{af6 ;+rfns ;ldltdf k|ltlglwTj

ug]{ ;+rfns kb ;+Vof % -kfFr_ sf] lgjf{rg ug]{ .

-v_ ljz]if k|:tfj M != ;+rfns ;ldltn] k|:tfj u/] adf]lhd a}+ssf] r'Qmf k"FhLsf] ^=&% k|ltzt af]g; z]o/ :jLs[t ug]{ /

;f]xL xb;Dd hf/L k"FhL tyf r'Qmf k"FhL a[l4 ug]{{ . @= a}+ssf] ;+:yfks z]o/ %(=^* k|ltzt /x]sf]df ;f] dWo] *=^* k|ltzt ;+:yfks z]o/ ;j{;fwf/0f ;d"xdf

kl/jt{g u/L ;+:yfks ;d'xsf] %! k|ltzt / ;j{;fwf/0f ;d'xsf] $( k|ltzt sfod u/L ;f]xL adf]lhd k|aGwkqdf ;+zf]wg ug]{ .

#= l;len a}+s lnld6]8df csf]{ a}+s tyf ljQLo ;+:yf ufEg] jf a}+snfO{ csf]{ a}+s tyf ljQLo ;+:yf;+u ufEg] jf k|flKt -Acquisition_ ug]{{ ;DaGwdf cfjZostf cg';f/ dh{/÷k|flKt ;ldltsf] u7g ug]{, pko'Qm ;+:yf;+u ;dembf/Lkq -Memorandum of Understanding_ ug]{, ;DklQ tyf bfloTjsf] d'Nof+sg -Due Diligence Audit_ ug]{ u/fpg], z]o/ cfbg k|bfg cg'kft -Share Swap Ratio_ to ug]{, ufEg] ufleg] jf k|fKt ug]{ ;DaGwdf clGtd ;Demf}tf ug]{ nufotsf cfjZos ;Dk"0f{ sfo{ ug{ ;+rfns ;ldltnfO{ k"0f{ clVtof/L k|bfg ug]{ .

$= a}+ssf] af]gz z]o/ hf/L ePkl5 r'Qmf k"FhL a[l4, z]o/ ;+rfgndf kl/jt{g g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ;+rfns tyf k|d'v sfo{sf/L clws[tsf] kbfjlw ;DaGwL Joj:yf ;+zf]wg tyf ;+rfnssf] a}7s eQf tyf ;'ljwf a[l4 ug{] nufotsf ljifo ;dfj]z u/L k|aGwkq tyf lgodfjnLdf ;+zf]wg ug]{ .

%= k|aGwkq tyf lgodfjnLsf] ;+zf]wgdf lgodgsf/L lgsfox¿ -g]kfn /fi6« a}+s jf sDkgL /lhi6«f/sf] sfof{no_ af6 km]/abn ug{ ;'emfj÷lgb]{zg k|fKt ePdf ;f] adf]lhd cfjZos ;dfof]hg÷;+zf]wg ug{ ;+rfns ;ldltnfO{ k"0f{ clVtof/L k|bfg ug]{ .

^= sDkgL P]g, @)^# sf] bkmf !)% -u_ adf]lhd cf= j+= @)&!÷)&@ df rGbf lzif{s cGt/ut ePsf] vr{nfO{ cg'df]bg÷:jLs[t ug]{ .

-u_ ljljw k'gZr M;efdf 5nkmn ul/g] ;~rfns ;ldltsf] jflif{s k|ltj]bg tyf n]vfk/LIfssf] k|ltj]bg ;lxtsf] jf;nft, gfkmf gf]S;fg lx;fa, ;fwf/0f ;ef ;DaGwL hfgsf/L, k|f]S;L kmf/d / k|j]zkq o; a}+ssf] s]Gb|Lo sfof{no sdnfbL, sf7df08f}df, a}+ssf] z]o/ /lhi6«f/ l;len Soflk6n dfs]{6 lnld6]8, sdnfbL sf7df08f}+df cfO{ lg/LIf0f ug{ jf k|fKt ug{ ;lsg]5 . ;+lIfKt cfly{s ljj/0f tyf jflif{s k|ltj]bg nufot ;fwf/0f ;efdf k]z x'g] k|:tfjx? a}++ssf] website: www.civilbank.com.np af6 hfgsf/L k|fKt ug'{ x'g ;DalGwt z]o/wgLx?df cg'/f]w 5 .

;+rfns ;ldltsf] cf1fn],sDkgL ;lrj

!= jflif{s ;fwf/0f ;efnfO{ Wofgdf /fvL ldlt @)&@÷)(÷@@ b]lv ;fwf/0f ;ef ;DkGg geP;Dd a}+ssf] z]o/wgL btf{ lstfa aGb /xg]5 . g]kfn :6s PS:fr]~h lnld6]8df ldlt @)&@÷)(÷@! ut];Dd sf/f]af/ eO{ ldlt @)&@÷)(÷@( leq o; a}+ssf] z]o/ /lhi6«f/ l;len Soflk6n dfs]{6 lnld6]8, sdnfbL sf7df08f}+df k|fKt z]o/ gfd;f/Lsf] lnvtsf] cfwf/df z]o/wgL btf{ lstfadf sfod z]o/wgLx¿n] ;f] ;efdf efu lng, gub nfef+z tyf af]g; z]o/ kfpg]5g\ .

@= k|To]s z]o/wgL dxfg'efjnfO{ z]o/ nutdf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg] 5 . ;efdf pkl:yt x'g] z]o/wgLx¿nfO{ jflif{s k|ltj]bg k'l:tsf ;fy ;+nUg k|j]zkq ;fydf lnO{ cfpg' x'g cg'/f]w 5 . z]o/wgL dxfg'efjn] s'g} sf/0fjz jflif{s k|ltj]bg k'l:tsf gkfpg' ePdf cfˆgf] z]o/ k|df0fkq jf cfˆgf] kl/ro :ki6 x'g] lsl;dsf] kmf]6f] ;lxtsf] s'g} k|df0f jf z]o/ cef}ltsLs/0f u/]sf] vftf -DMAT Account_ sf] xsdf xLtu|fxL kl/ro gDa/ -BOID_ ;fydf lnO{ ;efdf efu lng cfpg' x'g cg'/f]w 5 .

#= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf !)M)) ah] b]lv ;efsf] ;dfkg geP;Dd v'Nnf /xg]5 . kl/ro g+= -z]o/wgL g+=_ sf] cfwf/df xflh/L hgfpg] Joj:yf ul/Psf] x+'bf z]o/wgL dxfg'efjn] cfˆgf] kl/ro g+= clgjfo{ ¿kdf k|:t't ug'{ kg]{5 .

$= z]o/wgLn] cfˆgf] k|ltlglw -k|f]S;L_ lgo'Qm ubf{ cfk'm h'g ;d'xsf] z]o/wgL xf] ;f]xL ;d'xsf] z]o/wgLnfO{ dfq k|f]S;L lbg kfO{g]5 .

%= k|ltlglw -k|f]S;L_ n] dtbfg ug{ kfpg] clwstd xb jf ;Ldf To:tf] z]o/wgLn] lng kfpg] a}+ssf] clwstd z]o/ lx:;fsf] ;LdfeGbf j9L x'g] 5}g .

^= k|ltlglwkq -k|f]S;L kmf/d_ ;ef ;'¿ x'geGbf sDtLdf &@ 306f cufj} cyf{t ldlt @)&@÷!)÷# ut] !!M)) ah] leq ;+:yfkssf] xsdf a}+ssf] s]Gb|Lo sfof{no leq /x]sf] lgjf{rg clws[tsf] sfof{nodf / ;j{;fwf/0fsf] xsdf s]Gb|Lo sfof{nodf btf{ ul/;Sg' kg]{5 . lgjf{rg sfo{qmd k|sflzt ePkl5 o:tf] k|ltlglwkq -k|f]S;L kmf/d_ sf] btf{ v'Nnf ul/g]5 .

&= z]o/wgLn] PseGbf a9L JolQmnfO{ cfˆgf] z]o/ ljefhg u/L jf cGo s'g} lsl;daf6 5'6\ofO{ k|f]S;L lbg kfOg] 5}g = o;/L lbOPsf] k|f]S;L ab/ x'g]5 .

*= Ps hgf z]o/wgLn] PseGbf a9L z]o/wgLnfO{ k|ltlglw -k|f]S;L_ d's// u/]df To:tf] k|ltlglw -k|f]S;L_ :jtM ab/ x'g]5 . t/, klxnf lbPsf] k|ltlglwkq -k|f]S;L kmf/fd_ ab/ u/L kl5 lbO{Psf] k|ltlglwkqnfO{ dfq dfGotf lbg cg'/f]w u/L 5'§} kq ;fy k|ltlglwkq -k|f]S;L kmf/fd_ btf{ ug{ NofPdf eg] 5'§} kq ;fy k|fKt kl5Nnf] k|ltlglwkq -k|f]S;L kmf/fd_ nfO{ dfGotf lbO{g]5 .

(= a'Fbf g+= * adf]lhd lgo'Qm u/]sf] k|ltlglwnfO{ /2 u/L csf]{ k|ltlglw d's// ug{ rfx]df ;f]sf] lnlvt ;"rgf ;ef x'g' eGbf slDtdf &@ 306f cufj} a}+ssf] s]Gb|Lo sfof{no sdnfbL sf7df08f}df btf{ ul/;Sg' kg]{5 .

!)= k|ltlglw lgo'Qm ul/;s]sf] z]o/wgL, ;efsf] sfd sf/afxL ;'¿ x'g'eGbf cufj} cfk}m ;efdf pkl:yt eO{ xflh/L k'l:tsfdf b:tvt u/]df To:tf] z]o/wgLn] lbPsf] k|ltlglw kq -k|f]S;L kmf/d_ :jtM ab/ x'g]5 .

!!= a}+ssf] 5fk / sDkgL ;lrjsf] b:tvt ePsf] k|ltlglwkq -k|f]S;L kmf/d_ dfq dfGo x'g]5 . kmf]6f]skL, Od]n jf ˆofS; dfkm{t k|fKt ePsf] k|ltlglwkqnfO{ :jLsf/ ul/g] 5}g .

!@= s'g} ;+ul7t ;+:yf jf sDkgL] z]o/wgLsf] xsdf To:tf ;+ul7t ;+:yf jf sDkgLn] dgf]lgt u/]sf] k|ltlglwn] z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 . o;/L k|ltlglw k7fpFbf a}+snfO{ lnlvt¿kdf hfgsf/L lbg'kg]{5 .

!#= z]o/wgL dxfg'efjx¿nfO{ ;"lrt u/fpg ;lsof];\ eGg] b[li6n] s'g} z]o/wgL dxfg'efjx¿nfO{ a}+s ;DaGwL s]xL lh1f;f eP 5nkmnsf] ljifo ;"rL dWo] ljljw lzif{s cGtu{t To:tf] lh1f;f lnlvt ¿kdf ;ef x'g'eGbf & -;ft_ lbg cufj} sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ a'emfpg' x'g cg'/f]w 5 . t/ To:tf lh1f;fnfO{ 5nkmn / kfl/t x'g] k|:tfjsf] ¿kdf ;dfj]z ul/g] 5}g .

!$= ;+:yfks z]o/wgLx¿sf] ;d'x -s_ tkm{af6 ;~rfns kbdf pDd]bjf/ x'g rfxg] z]o/wgLn] tn a'Fbf g+= !^ df pNn]v eP adf]lhd lgjf{rg clws[tn] k|sflzt u/]sf] lgjf{rg ;DaGwL sfo{qmdsf] ;"rgfdf plNnlvt ldltdf lgwf{l/t ;doleq ;~rfns kbsf] pDd]bjf/L x'g cfˆg} ;d'x÷pk;d'xsf] z]o/wgL dWo]af6 Ps hgf k|:tfjs / Ps hgf ;dy{s cfjZos kg]{5 . Ps hgf pDd]bjf/sf] k|:tfjs / ;dy{sn] ;f] lgjf{rgdf pDd]bjf/ x'g jf csf]{ pDd]bjf/sf] k|:tfjs jf ;dy{s aGg kfpg] 5}g . pDd]bjf/Laf6 cfˆgf] gfd lkmtf{ lng rfx]df ;d]t ;f]xL lgjf{rg ;DaGwL sfo{qmd adf]lhd cfˆgf] gfd lkmtf{ lng b/vf:t btf{ ug'{ kg]{5 .

!%= o; a}+ssf] ;~rfns lgj{frg;DaGwL lgb]{lzsf, @)^* sf] k|ltlnkL z]o/wgL dxfg'efjx¿n] a}+ssf] s]Gb|Lo sfof{noaf6 ¿= !)))÷– z'Ns lt/L k|fKt ug{ ;Sg'x'g]5 .

!^= lgjf{rg;DaGwL sfo{qmd lgjf{rg clws[tn] tf]s] adf]lhd x'g]5 . lgjf{rg;DaGwL cGo hfgsf/L tyf sfo{qmd;DaGwL ;"rgf ldlt @)&@÷)(÷@@ ut]sf] lbg a}+ssf] s]Gb|Lo sfof{nosf] ;"rgf kf6Ldf 6fF; ul/g]5 .

;fwf/0f ;ef ;DaGwL yk hfgsf/Lx¿

>L ;+rfns ;ldltl;len a}+s lnld6]8sdnfbL, sf7df08f}+ .

ljifo M k|ltlglw lgo'Qm u/]sf] af/] .

dxfzo,

=========================== lhNnf ==========================g=kf=÷uf=lj=;= j8f g+= ========= a:g]

d÷xfdL========================================================== n] To; a}+ssf] z]o/wgLsf] x}l;otn] ldlt @)&@÷!)÷^ ut]

a'wjf/sf lbg x'g] kfFrf} jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{o k|lqmofdf ;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; a}+ssf] z]o/wgL -;d'x æsÆ sf] jf ;d'x ævÆ=_ >L ================================================== z]o/ k|df0fkq

g+ ====================== nfO{ d]/f] ÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

z]o/wgLsf] gfd M ======================================================================================================================================

z]o/wgL gDa/ M ============================================================================= z]o/ ;+Vof M =======================================

@)&@÷!)÷^ ut] a'wjf/sf lbg x'g] l;len a}+s lnld6]8sf] rf}yf] jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf]

k|j]zkq .

lgj]bssf]

b:tvt M

gfd M

z]o/wgL kl/ro g+= M

z]o/ ;+Vof M

ldlt M

7]ufgf M

b|i6AoM k|f]S;L lbFbf lnFbf cfˆgf] ;d'x leq l;ldt /xL lng' lbg' kg]{5 . of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf &@ 306f cufj} a}+ssf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 .

k|ltlglwsf]

b:tvt M

gfd M

z]o/wgL kl/ro g+= M

sDkgL ;lrjsf] b:tvta}+ssf] 5fk

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z]o/wgLsf] b:tvt M

b|i6Ao M ;ef sIfdf k|j]z ug{ of] k|j]zkq clgjfo{ ?kdf k|:t't ug'{ kg]{5 .

k|j]z –kq

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# sDkgL P]g, @)^# sf] bkmf !)( sf] pkbkmf $ adf]lhdsf] ljj/0f !%

$ cg';"rL—!# adf]lhdsf] jflif{s ljj/0f !(

% n]vfk/LIfssf] k|ltj]bg @&

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* gfkmf–gf]S;fg afF8kmfF8 lx;fa #)

( OlSj6Ldf ePsf] kl/jt{g;DaGwL ljj/0f #!

!) gub k|jfx ljj/0f #@

!! jf;nft / gfkmf–gf]S;fg lx;fasf cg';"rLx¿ ##

!@ n]vf;DaGwL dxTjk"0f{ gLltx¿ ^!

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!$ Jfflif{s ljQLo ljj/0f k|sflzt ug{ :jLs[t k|bfg

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l;len a}+s lnld6]8sf] o; ul/dfdo kfFrf} jflif{s ;fwf/0f ;efdf efu lng pkl:yt x'g' ePsf cfb/0fLo z]o/wgL dxfg'efjx?, lgodgsf/L lgsfosf k|ltlglwHo"x?, a}+s Joj:yfkg, sd{rf/L, kqsf/ tyf cfdGqLt cltlyx?nfO{ l;len a}+s ;~rfns ;ldlt tyf d]/f] JolQmut tkm{af6 xflb{s :jfut tyf Gofgf] clejfbg JoSt ub{5' .

cfh xfdL a}+ssf] kfFrf} jflif{s ;fwf/0f ;ef;Ddsf] cj:yfdf cfOk'Ubf a}+sn] w]/} cf/f]x cj/f]xx? kf/ ul/;s]sf] 5 . :yfkgfsf] 5f]6f] cjlwdf g} tLgj6f a}+s tyf ljQLo ;+:yfx? ufleP/ sf/f]af/ ;+rfng u/L Ps ;jn a}+s aGg] tk{m a}+s cufl8 a9\b} u/]sf] s'/f ;j{ljlbt} 5 . a}+sn] cfkm\gf] sf/f]af/nfO{ b]zJofkL ?kdf ;j} tx / tKsfsf u|fxsx?nfO{ ;]jf k'¥ofpg $@ j6f zfvf sfof{nox? ;+rfngdf NofPsf] 5 . a}+s ;+rfngsf] % jif{nfO{ a}+sn] lj:tf/ / ljsf;sf] jif{x?sf] ?kdf pkof]u u/]sf] lyof] eg] cjsf jif{x?nfO{ lbuf] :yfloTj, e/kbf]{ u'0f:t/Lo ;]jf tyf u|fxsd'vL a}+ssf] ?kdf :yflkt ug{] nIosf ;fy a}+s ;+rfns ;ldlt cuf8L a9]sf] 5 . cfufdL lbgx?df a}+ssf] ef}lts ;+/rgf, k|ljlw, bIf sd{rf/Lx?sf] lzk, sf}zn / nuglzntf tyf a}+sn] lgwf{/0f u/]sf of]hgfx?nfO{ k|efjsf/L ?kdf pkof]u u/L z]o/wgLx?nfO{ ljQLo ahf/n] lgwf{l/t u/]sf] k|ltkmn k|bfg ug]{ s'/fdf a}+s ;+rfns ;ldlt k|lta4 5 .

a}zfv !@ ut] uPsf] dxfe'sDk tyf tTkZrft uPsf ;}of}+ k/fsDkgx?sf] sf/0f b]z cfly{s, ef}lts tyf dfgl;s ?kdf ljlIfKt cj:yfaf6 p7\g g;ls/x]sf] a]nf b]zsf blIf0fL ;Ldf gfsfx?df ePsf] cj/f]w tyf t/fO{ cfGbf]ngn] k'/} cy{tGqnfO{ t]hf]af]w u/]sf] 5 . o:tf] ljifd kl/l:yltsf afah'b klg g]kfndf ;+ljwfg ;efn] hf/L u/]sf] gofF ;+ljwfgk|lt g]kfnL hgdfg;df cfzfsf] lbof] cem} sfod} 5 . ;j} c;Gt'i6 kIfx?sf u'gf;f]x?nfO{ ;d]6L ;Dk"0f{ cfly{s cj/f]wx? kG5fpFb} cfufdL lbgx?df cfly{s ljsf;sf] af6f]x? vf]nL b]zn] lbuf] ljsf; tyf :yfloTjtkm{ cufl8 a9\g]5 eGg] s'/fdf ;+rfns ;ldlt k"0f{ ljZj:t 5 .

cf= j= @)&!÷)&@ sf] d'gfkmfaf6 z]o/wgL dxfg'efjx?nfO{ ^=&% k|ltzt af]g; z]o/ / )=#%% k|ltzt gub nfef+z k|:tfj ul/Psf] 5 . o; k|:tfjnfO{ cfhsf] ;efn] kfl/t u/L lbg' x'g cg'/f]w ub{5f}+ . z]o/wgL dxfg'efjx?n] ck]Iff u/]sf] h:tf] of] jif{ a}+sn] bf]xf]/f] c+sdf nfef+z ljt/0f ug{ g;s]sf]df ;+rfns ;ldltnfO{ cfTdaf]w ePsf] 5 . vf; u/L ut cf= j= sf] clGtd q}df;df

b]zdf cfPsf] cfd ljgfzsf/L e'sDksf] sf/0f cfly{s tyf k'jf{wf/ ;+/rgfx?df ulDe/ c;/ kg{ uO{ shf{ c;'nLdf gsf/fTds k|efj kbf{ a}+sn] ;f]r] cg'?k nfef+z ljt/0f ug{ g;s]sf] xf] . o:tf] lgis[o shf{sf] Joj:yfkgsf] nflu a}+sn] ljz]if sfo{bn g} agfP/ s7f]/tfsf ;fy shf{ c;'nL sfo{ cufl8 a9fPsf]n] rfn' cfly{s jif{sf] k|yd q}df;df lgis[o shf{ @=%$ k|ltztdf sfod ul/Psf] 5 . lgis[o shf{sf] k|ltztnfO{ Ps k|ltzt leq sfod /fVg a}+s ;+rfns ;ldltn] a}+s Joj:yfkgnfO{ lgb]{zg lbPsf] 5 .

g]kfn /fi6« a}+sn] df}b|Ls gLlt dfkm{t NofPsf] r'Qmf k'FhLsf] a[l4;DaGwL gLltnfO{ a}+sn] tf]lsPsf] ;doleq} ?= cf7 cj{ r'Qmf k'FhL k'¥ofpg] k'FhL of]hgf k]z u/]sf] 5 . vf;u/L d'gfkmfaf6 af]gz z]o/, dh{/, k|fKtL tyf xsk|b z]o/sf] dfWodaf6 /fi6« a}+sn] tf]s] adf]lhd tf]lsPsf]

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@7

a}+sn] xfn;Dd xfl;n u/]sf pknlAwx? tyf ultljlwx?sf af/]df ;+rfns ;ldltsf] jflif{s k|ltj]bgdf lj:t[t ?kdf pNn]v ul/Psf] 5 . ;+rfns ;ldlt, z]o/wgLx?, a}+s Joj:yfkg, sd{rf/L / lgodgsf/L lgsfo oL kfFr ;/f]sf/jfnfx?sf] ;du| lxt lrtfpFb} ;df~h:otf k"j{s a}+snfO{ cufl8 a9fpg' jt{dfg l;len a}+s ;+rfns ;ldltsf] r'gf}lt xf] . o;df ;j} ;/f]sf/jfnfx?nfO{ ;d]6L ;j}sf] ;dfg lxtsf] /Iffn] dfq ;du| a}+ssf] lbuf] ljsf; ;Dej 5 .

cGTodf, a}+snfO{ cfhsf] o; cj:yf;Dd NofO{ k'¥ofpg cgj/t ¿kdf h'l6/xg' ePsf ;~rfns ;fyLx¿, a}+ssf ;+:yfks, z]o/wgL dxfg'efjx?, lgodgsf/L lgsfo, a}+ssf lgIf]kstf{ tyf u|fxsju{x¿, z'e]R5's, ;xof]uL tyf a}+s Joj:yfkgdf /xL dxTjk"0f{ of]ubfg ub}{ cfpg' ePsf k|d'v sfo{sf/L clws[t tyf pxfFsf] g]t[Tjdf /x]sf] Joj:yfkg ;d"x Pj+ ;Dk"0f{ sd{rf/Lx¿af6 k|fKt ;xof]uk|lt xflb{s s[t1tf k|s6 ub}{ o; a}+sn] pT;fxhgs ¿kn] sf/f]af/ lj:tf/ ug'{sf ;fy} ljQLo ahf/df k|ltli7t a}+ssf] ¿kdf klxrfg agfpg ;kmn ePsf] tYo oxfFx¿nfO{ v'zL ;fy cjut u/fpg rfxG5' .

wGojfb .

cWoIfO{= OR5f /fh tfdfË

;do leq} a}+sn] cfkm\gf] r'Qmf k'FhL k'¥ofpg] nIo lnPsf 5f}+ . o; sfo{sf nfuL oxfFx?sf] k|lta4tf tyf of]ubfg Pj+ ljZjf;sf] cfjZostf 5 . oxfFx?n] JoQm ug'{ ePsf] k|lta4tf / ljZjf;nfO{ l;len a}+s ;+rfns ;ldltn] pRr d'Nof+sg u/]sf] 5 / tkfO{x?sf] o; ljZjf;nfO{ lsdfy{ xnrn x'g glbO{ l;len a}+snfO{ g]kfnL a}+lsË If]qsf] g} pbfx/0fLo a}+s agfpg] nIo lnO{ ;+rfns ;ldltn] sfo{ ug]{5 . ;+rfns ;ldlt ;+:yfut ;'zf;gsf] xsdf z'Go ;xglzntfsf] gLltdf cl8u 5 . s'g} klg jxfgf / ts{sf cfwf/df ;+:yfut ;'zf;gsf] pNn+3gnfO{ a}+sdf 5'6 lbOg] 5}g . ;+rfnsx?nfO{ cfkm\gf] clwsf/, bfloTj tyf st{Jodf k"0f{ ?kdf lhDd]jf/ agfO{Psf] 5 . xfn;Dd ;+rfnsx?af6 s'g} klg ;+:yfut z';f;gsf] pNn+3g ePsf] s'/fsf] u'gf;f] ;d]t k|fKt x'g cfPsf] 5}g / eljiodf ;d]t cfpg lbO{g] 5}g . ;+rfnsx?nfO{ a}7s eQf tyf a}+ssf] lgodfjnLn] lbPsf] ;'ljwf eGbf cGo tna eQfsf] Joj:yf 5}g . cfh a}+s ?= # cj{ k'FhL, ?= @& cj{ lgIf]k / ?= @# cj{ nufgL ePsf] 7'nf] sf/f]af/ ug]{ a}+s e};s]sf]n] ;+rfnsx?n] a}+sdf ;fljssf] eGbf j9L ;do lbg' kg]{ cfjZostf ;d]tnfO{ dWogh/ ub}{ ;fljssf] a}7s eQfnfO{ a[l4 ug'{kg]{ cfjZostf b]lv ;+rfnsx?sf] a}7s eQf ;dofg';f/ a[l4sf] k|:tfj ul/Psf] 5 . o; k|:tfjnfO{ klg cfhsf] ;efn] :jLs[lt k|bfg ug]{ s'/fdf d ljZj:t 5' .

a}+s ;+:yfkgf ubf{ ^) k|ltzt ;+:yfks / $) k|ltzt ;j{;fwf/0fsf] z]o/ :jfldTj /x]sf] a}+ssf] k'FhL ;+/rgfdf b'O{j6f ;+:yfnfO{ o; a}+sdf ufEbf %(=^* k|ltzt ;+:yfkssf] / $)=#@ k|ltzt ;j{;fwf/0fsf] z]o/ :jfldTj sfod ePsf]df g]kfn /fi6« a}+ssf] lgod cg';f/ a}+s ;+rfngdf cfPsf] % jif{ k'/f ePkl5 %! k|ltzt;Dd ;+:yfkssf] z]o/ :jfldTj sfod u/L ;j{;fwf/0f z]o/df kl/0ft ug{ ;lsg] ePsf] x'Fbf *=^* k|ltzt ;+:yfks z]o/ ;j{;fwf/0f z]o/df kl/0ft ug{ g]kfn /fi6« a}+sn] :jLs[lt ;d]t k|bfg u/]sf] x'Fbf o; ;DaGwL ljz]if k|:tfj k]z ul/Psf] 5 . o;af6 ;+:yfks z]o/wgLx?nfO{ s]xL /fxt k'Ug]5 eGg] ;+rfns ;ldltsf] ljZjf; 5 .

a}+sdf k|yd jflif{s ;fwf/0f ;efdf lgjf{lrt x'g' ePsf ;+rfnsHo"x?sf] sfo{sfn k'/f ePsf] x'Fbf o;} ;fwf/0f ;efn] yk sfo{sfnsf nflu ;+:yfks ;d'xaf6 % hgf ;+rfnsx? lgjf{lrt dgf]lgt ug]{ k|:tfjaf6 a}+sdf of]Uo ;+rfnsx?sf] lgo'lQm x'g]5 eGg] cfzf lnPsf] 5' . gjlgjf{lrt ;+rfnsHo"x?nfO{ yk sfo{sfnsf] clu|d z'esfdgf ;d]t JoQm ub{5' .

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@8

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

o; l;len a}+s lnld6]8sf] kfFrf}+ jflif{s ;fwf/0f ;efdf cfˆgf] cd'No ;do k|bfg u/L kfNg' ePsf z]o/wgL dxfg'efjx¿, kqsf/ Pj+ cGo cfdlGqt cltlyx¿nfO{ a}+ssf] ;+rfns ;ldltsf] tkm{af6 tyf d]/f] JolQmut tkm{jf6 cfef/ JoQm ub}{ xflb{s :jfut tyf clejfbg ub{5' . o; ul/dfdo ;efdf d ;~rfns ;ldltsf] tkm{af6 a}+ssf] cf= j= @)&!÷)&@ sf] ;ldIff cjlwdf ePsf] ;du| sf/f]af/, a}+sn] xfl;n u/]sf] pknAwL / efjL of]hgfx¿sf] ljifonfO{ ;d]6]/ sDkgL P]g, @)^#, a}+s tyf ljQLo ;:+yf ;DjGwL P]g, @)^# tyf g]kfn /fi6« a}+ssf] lgb]{zgsf] kl/lw leq /xL of] k|ltj]bg ;+rfns ;ldltsf] tkm{af6 a}+ssf] kfFrf}+ jflif{s ;fwf/0f ;efdf 5nkmn tyf kfl/t ug{sf] nflu k]z u/]sf] 5' .

l;len a}+s lnld6]8n] cfly{s jif{ @)&!÷)&@ sf] ;ldIff cjlwdf u/]sf] sfo{;DkfbgnfO{ lgDgfg';f/ k|:t't ul/Psf] 5 M

!= b]zsf] cfly{s tyf ljQLo kl/;'rsx¿M cfly{s jif{ @)&!÷&@ df d'n'ssf] jf:tljs s'n

ufx{:y pTkfbg %=) k|ltztn] a[l4 x'g] ;+zf]lwt nIo /x]sf]df To:tf] a[l4b/ cfwf/e't d'Nodf #=) k|ltzt /x]sf] cg'dfg 5 .

@)&@ a}zfv !@ sf] dxfe'sDksf sf/0f ;du| cy{tGq g/fd|/L k|efljt ePsf] sf/0f k|rlnt d'Nosf] s'n ufx{:y pTkfbg ¿= #^=% ca{n] sdL x'g] cg'dfg 5 . dxfljgfzsf/L e'sDk / To;kl5sf] k/fsDkgx¿af6 s/Lj & ;o ^ cj{ %) s/f]8 a/fa/sf] Iflt÷gf]S;fgL ePsf] cg'dfg 5 .

cfly{s jif{ @)&!÷)&@ sf] P3f/ dlxgf;Dddf pkef]Qmf d"No ;"rsfÍdf cfwfl/t cf};t d'b|f:kmLlt b/ &=@ k|ltzt/x]sf] lyof] .

cfly{s jif{ @)&!÷)&@ df k6s–k6s u/L lgIf]k af]nsaf]n dfk{mt\ ¿= !%% ca{, l/e;{ l/kf]dfk{mt\ -6g{cf]e/sf] cfwf/df_ ¿= #!% ca{ *) s/f]8 tyf ;f]e}m laqmL af]n–saf]n dfkm{t\ ¿= ^ ca{sf] t/ntf k|zf]rg ul/Psf] lyof] .

;dLIff cjlwdf jfl0fHo a}+sx¿n] ¿= #&$ ca{ &) s/f]8 / cGo ljQLo ;+:yfx¿ -jfl0fHo a}+sx¿aLr afx]s_ n] ¿= @@^ ca{ (! s/f]8 a/fa/sf] cGt/–a}+s sf/f]af/ u/]sf lyP .

@)&@ h]7 dlxgfdf jfl0fHo a}+sx¿sf] cf};t cfwf/ Aofhb/ -Average Base rate_ &=^) k|ltzt /x]sf] lyof] .

@)&! c;f/df )=)@ k|ltzt sfod /x]sf] -!–lbg] 6]«h/L ljN;sf] efl/t cf};t Aofhb/ @)&@ c;f/df )=!&#( k|ltzt /x]sf] lyof] . jfl0fHo a}+sx¿sf] efl/t cf};t cGt/–a}+s Aofhb/ @)&@ c;f/df !=)! k|ltzt sfod ePsf] lyof] . cGo a}+s tyf ljQLo ;+:yfx¿sf] efl/t cf};t cGt/–a}+s Aofhb/ @)&@ c;f/df #=*( k|ltzt k'u]sf] lyof] . l/e;{ l/kf]sf] efl/t cf};t Aofhb/ @)&@ c;f/df )=)!*$ k|ltzt sfod ePsf] lyof] .

@)&@ h]7 d;fGtdf æsÆ ju{sf #), ævÆ ju{sf &(, æuÆ ju{sf %) / æ3Æ ju{sf #^ u/L s'n a}+s tyf ljQLo ;+:yfx¿sf] ;+Vof !(% /x]sf] lyof] .

@)&@ h]7 d;fGtdf æsÆ ju{sf a}+sx¿sf] zfvf ;+Vof !^^(, ævÆ ju{sf a}+sx¿sf] *)#, æuÆ ju{sf ljQ sDkgLx¿sf] @$! tyf æ3Æ ju{sf ;+:yfx¿sf] zfvf ;+Vof !!!! u/L s'n zfvf ;+Vof #*@$ k'u]sf] lyof] .

@)&! r}t d;fGtdf zfvf/lxt a}+lsË sfp06/sf] ;+Vof %)!, df]afOn a}+lsË u|fxssf] ;+Vof ( nfv !# xhf/ tyf sf8{ wf/ssf] ;+Vof sl/a $# nfv ^) xhf/ k'u]sf] lyof] .

@)&@ h]7 d;fGtdf æsÆ, ævÆ, / æuÆ ju{sf a}+s tyf ljQLo ;+:yfx¿df lgIf]k vftf ;+Vof sl/a ! s/f]8 $# nfv #$ xhf/ tyf C0fL ;+Vof sl/a !) nfv * xhf/ /x]sf] lyof] .

cfly{s jif{ @)&!÷&@ df a}+s tyf ljQLo ;+:yfx¿sf] lgIf]k !%=$ k|ltzt -¿= @!^ ca{ $! s/f]8_ n] j[l4 eO{ ¿= !^@# ca{ !* s/f]8 k'u]sf] 5 .

cfly{s jif{ @)&!÷&@ sf] P3f/ dlxgf;Dddf a}+s tyf ljQLo ;+:yfx¿sf] shf{ tyf nufgL !%=# k|ltzt -¿= @)) ca{ &* s/f]8_ n] j[l4 eO{ ¿= !%!$ ca{ !! s/f]8 k'u]sf] lyof] .

@)&! r}tdf jfl0fHo a}+s, ljsf; a}+s tyf ljQ sDkgLx¿sf] shf{–lgIf]k -k"FhLsf]if ;lxt_ cg'kft qmdzM &%=@! k|ltzt, &%=#^ k|ltzt / &#=#* k|ltzt k'u]sf] lyof] .

@)&@ h]7df jfl0fHo a}+sx¿sf] lgliqmo shf{sf] cg'kft cf};tdf @=^& k|ltzt / ljsf; a}+sx¿sf] #=&^ k|ltzt /x]sf] lyof] .

@)&@ c;f/ d;fGt;Dd &* j6f a}+s tyf ljQLo ;+:yfx¿ Ps cfk;df dh{ eO{ #) j6f ;+:yf ag]sf 5g\ . cfly{s jif{ @)&!÷&@ df ! jfl0fHo a}+s, !) ljsf; a}+s / $ ljQ sDkgLx¿ dh{ eO{ Ps jfl0fHo a}+s, $ ljsf; a}+s / Ps ljQ sDkgLdf kl/0ft ePsf 5g\ . ;dLIff cjlwdf Pp6f jfl0fHo a}+sn] b'O{j6f ljQ sDkgLx¿ / Ps ljsf; a}+sn] csf]{ Ps ljsf; a}+s k|flKt -Acquisition_ u/]sf] lyof] .

;+rfns ;ldltsf] k|ltj]bg

l;len a}+s lnld6]8sf] kfFrf} jflif{s ;fwf/0f ;efsf] nflucf=j= @)&!÷)&@

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@9

->f]tx¿M df}lb|s gLlt, @)&@÷&# g]kfn /fi6« a}+s / cfly{s ;j]{If0f, @)&!÷)&@ g]kfn ;/sf/ cy{ dGqfno _

@= ;ldIff cjlwsf] ;+lIfKt ljQLo emnsut a}+zfv !@ ut] uPsf] cfd ljgfzsf/L dxfe'sDksf sf/0f ko{6g, k"jf{wf/, l/on :6]6, s[lif, ljQ nufotsf If]qx?df ulDe/ c;/ k/]sf] cj:yf 5 . a}+s tyf ljQLo ;+:yfx?n] shf{ k|jfx u/]sf hnljB't, ko{6g, l/on :6]6, z}lIfs cflb If]qdf ulDe/ c;/ k/]sf] sf/0f v/fa shf{sf] :t/df ;'wf/ x'g ;s]sf] b]lvFb}g . b]zsf] /fhg}lts ;+qmd0fsfn nlDjb} uPsf], >d ;DaGw c;xh /x]sf], phf{ ;+s6 sfod} /x]sf], e}/x]sf] k"jf{wf/x?sf] cj:yf sdhf]/ xF'Fb} uPsf] / gofF k"jf{wf/ ljsf; ck]lIft gePsf], nufgLsf] jftfj/0f ck]lIft ?kdf ;'wf/ gePsf] cflb sf/0fn] ubf{ pTkfbglzn If]qdf ;f]r] adf]lhd shf{ lj:tf/ x'g ;s]sf] 5}g . Psflt/ a}+s tyf ljQLo ;+:yfx? Ps csf{df ufleP/

-s_ k|d'v pknlAw÷glthf M -?=xhf/df_

ljj/0f @)^*÷)^( @)^(÷)&) @)&)÷)&! @)&!÷)&@ Uft jif{sf] t'ngf k|ltztdf

;+rfng cfDbfgL @(,^^,!( 56,90,66 78,99,07 1,04,37,18 32=13

;+rfng vr{ @),&),&% 30,20,28 36,83,28 46,82,83 27=14

;+rfng d'gfkmf -Joj:yf cl3sf]_ *,(%,$$ 26,70,38 42,15,78 57,54,34 36=50

v'b d'gfkmf -s/ kl5sf]_ @,&@,#$ 12,13,25 23,80,99 23,00,20 -3=39_

-v_ k|d'v sf/f]jf/ tyf ;'rsf+s M -?=xhf/df_

ljj/0f @)^*÷^( @)^(÷&) @)&)÷)&! @)&!÷)&@ ut jif{sf] t'ngf k|ltztdf

r'Qmf k'FhL !,@),)),)) 2,00,00,00 2,88,78,49 3,08,27,79 6=75

lgIf]k *,*),&%,$% 15,63,31,56 22,04,92,95 26,65,64,24 20=89

shf{ &,*@,(*,@@ 12,52,17,61 19,07,62,88 23,16,55,80 21=44

lgis[o shf{ k|ltzt ) )=%)Ü 1=76Ü 3=20Ü 120=80

l:y/ ;DklQ -v'b_ @@,!%,*^ 27,61,09 36,03,59 31,32,45 -13=07_

s'n ;DklQ !),&),!@,(% 18,22,,56,87 25,43,40,75 30,42,35,85 19=62

-u_ k|d'v ;'rsf+s M

ljj/0f @)^*÷^( @)^(÷&) @)&)÷)&! @)&!÷)&@

v'b d'gfkmf÷s'n cfDbfgL #=!&Ü *=&^Ü !!=^#Ü (=^$Ü

;+rfng vr{÷;+rfng cfDbfgL ^(=*!Ü %#=)&Ü $^=^#Ü $$=*&Ü

;DklQdf k|ltkmn )=@%Ü )=^&Ü )=($Ü )=&^Ü

Kf|lt z]o/ cfDbfgL @=@& &=%& *=@$ &=$^

:yfoL sd{rf/L @)* @%* $)$ $)^

zfvfx? !# @) $! $!

t/ntf cg'kft @$=*(Ü #)=%%Ü @^=^)Ü @^=^$Ü

kF'hLsf]if cg'kft !$=!(Ü !$=*%Ü !$=^%Ü !#=^%Ü

;'b[9 k"FhL, ;~hfn, Joj:yfkg / of]hgfsf ;fy cufl8 a9]sf] cj:yf 5 eg] csf]{ tkm{ ;+rfngdf /x]sf a}+s tyf ljQLo ;+:yfx?n] cfkm\gf ;]jf lj:tf/ u/L k|ltikwf{Tds ;]jf k|bfg ug{ cu|;/ x'Fbf a}+lsË Joj;fo cToGt} k|ltiklw{ /x]sf] tYo k|i6 x'g cfp5 . ljQLo If]qsf] o:tf] k|ltiklw{ cj:yf, cfly{s ultljlwdf cfPsf] lzlyntf, nufgLsf] If]q lj:tf/df g}/fZotf, cl:y/ tyf ;+qmd0fsflng /fhg}lts jftfj/0f, >d zlQmsf] knfog cflbsf] r'gf}ltk"0f{ cj:yfaf6 l;len a}+s lnld6]8 klg c5'tf] /xg ;Sb}g . oBkL o:tf] ljifd kl/l:yltnfO{ ;xL ?kdf ljZn]if0f u/L cfjZos kg]{ /0fgLlt tyf k"jf{wf/ tof/ kf/L ;do ;fk]If jhf/ lj:tf/ tyf k|ljlwd'ns ;]jfx? k|bfg ug{ ;Ifd ePsf] sf/0fn] cfh xfdL 5f]6f] ;dodf ;fy{s km8\sf] dfg{ ;kmn ePsf 5f}+ . o; l;len a}+s lnld6]8sf] ;ldIff cjlwsf] k|d'v ljQLo ;'rsf+sx? lgDg adf]lhd /x]sf 5g\ .

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-#_ lgIf]k kl/rfng (Deposit Mobilization);ldIff cjlwdf a}+sn] s'n lgIf]k ?= @^,^%,^$,@$,&$^ k'¥ofpg ;kmn ePsf] 5 . h; cGt/ut :jb]zL d'b|fsf] lgIf]k ?= 26,10,84,85,491 / ljb]zL d'b|fsf] lgIf]]k ?= 54,79,39,255 /x]sf] 5 . a}+sdf /x]sf] lgIf]knfO{ ljljlws/0f u/L ;fwf/0f jrt lgIf]knfO{ cfslif{t ug{ ljleGg k|sf/sf vftfx? dfkm{t lgIf]k ;+sng ug]{ ul/Psf] 5 . kmn:j?k ;fwf/0f jrt lgIf]ksf] c+zdf a[l4 u/L ;+:yfut lgIf]ksf] c+z %(=$*Ü sfod ub}{ g]kfn /fi6« a}+sn] tf]s]sf] ;Ldf leq sfod /flvPsf] 5 . a}+sdf ;fwf/0f jrt lgIf]ksf] c+z a[l4 ug{ cfufdL jif{ klg ljz]if of]hgfsf ;fy lg/Gt/tf lbOg]] 5 . ljut cfly{s jif{sf] t'ngfdf ;ldIff cjlwdf @)=*(Ü n] lgIf]k a[l4 x'g uPsf]] 5 .

-$_ shf{ tyf shf{ Joj:yfkg (Credit & Credit Management) a}+sn] shf{ k|jfx ug{ ljz]if ;ts{tf ckgfO{ dfq shf{ k|jfx gLlt adf]lhd >f]tdf g} kof{Kt ;hutf ckgfO{ a}+sdf nfu" ePsf Credit Policy Guidelines, Credit Risk Rating System, Credit Risk Management Framework, Valuation Guidelines Pj+ g]kfn /fi6« a}+sjf6 hf/L ePsf gLlt lgb]{zgx?sf] sfof{Gjog u/L a}+sdf shf{sf] u'0f:t/ pRr /fVg] tkm{ ljz]if ;ts{ /xL sfd ul/Psf] 5 .

s[lif shf{, pTkfbglzn If]q shf{, ljkGg ju{ shf{df s]xL nufgL a[l4 eP klg ck]Iff cg'?k lj:tf/ ug{ ;s]sf] cj:yf 5}g . o; ;+u;+u} ljQLo If]qdf t/ntfsf] a[l4 eO{ nufgL of]Uo /sd ePtfklg pko'Qm kl/of]hgfsf] cefjdf shf{ k|jfx ug{ g;s]sf] cj:yf 5 . ;ldIff cjlwdf a}+ssf] cfwf/ b/ cf}ift *=((Ü ePsf] 5 . ut jif{sf] t'ngfdf a}+sn] @!=$$ k|ltztn] shf{ a[l4 u/L s'n @#=!^ cj{ shf{ nufgL ug{ ;Ifd ePsf] 5 . shf{ lj:tf/sf qmddf l;len a}+s JolQmut lwtf] shf{, z}lIfs shf{, ;jf/L shf{, ;'g rfFbL shf{, z]o/ shf{, d'2lt /l;b shf{, 3/ shf{, zf}o{ zlQm shf{ cflb h:tf pkef]Qmfd'vL shf{ / cGo Jofkf/ shf{x?sf] dfWodaf6 shf{sf] lj:tf/ ul/of] .

a}+sn] cy{tGqsf] d"n cfwf/sf] ?kdf /x]sf] s[lif If]q nufot ;fgf] Joj;fox?df ;+nUg 7"nf] ;+Vofdf /x]sf] ljkGg ju{nfO{ nlIft u/L b]zsf ljleGg :yfgx?df n3' a}+lsË ( Micro Banking) sfo{qmd / zfvf/lxt ;]jf (Branchless Banking) ;]jf ;+rfng ul/Psf] 5 .

a}+sn] shf{ nufgLsf] If]qnfO{ ljljlws/0f u/L If]qut shf{ nufgL of]hgf (Sectoral Planning) agfO{ nfu" ul/Psf] 5 . ;ldIff cjlwdf a}+ssf] s'n nufgLsf] s[lif tyf ag If]qdf $=#@Ü, df5f kfngdf )=)#Ü, vfgLdf )=@^Ü, s[lif, ag

tyf k]o kbfy{df %=!(Ü, u}/vfB a:t' pTkfbgdf @)=#%Ü, lgdf{0fdf &=$@Ü, ljB't, Uof; / kfgLdf @=!^Ü, wft'sf pTkfbg, d]l;g/L tyf On]S6«f]lgs cf}hf/ tyf h8fgdf )=$$Ü, oftfoft, e08f/ / ;+rf/df !=(!Ü, yf]s tyf v'b|f ljqm]tfdf @#=&%Ü, ljQ, aLdf tyf crn ;DklQdf !!=%!Ü, ko{6gdf $=*!Ü, cGo ;]jfx?df (=#(Ü, df pkef]Qmf shf{ %=!#Ü / cGodf #=##Ü shf{ nufgL ul/Psf] 5 . ;ldIff cjlwdf klg ljutdf h:t} 3/hUuf tyf l/on:6]6 If]qdf x'g] nufgLnfO{ cToGt} ;+oldt eP/ nufgL ul/Psf]df cfufdL jif{ klg o; gLltnfO{ lg/Gt/tf lbO{g]5 . o;sf ;fy;fy} shf{sf] u'0f:t/ ;'wf/ ub}{ n}hfg] / shf{ lj:tf/ ubf{ pkef]Qmfd'vL shf{, n3'ljQ shf{ / u}/sf]ifdf cfwfl/t shf{ ;'ljwf lj:tf/ ug]{ of]hgfx? sfof{Gjog ul/g]5 .

-%_ nufgL (Investment)a}lsË If]qdf ePsf] pRr t/ntfsf] cj:yf ljBdfg /xsf]n] cNksfnLg Aofhb/x? Go"g:t/df sfod /x]sf 5g\ . @)&! c;f/df )=)@ k|ltzt sfod /x]sf] (!–lbg] 6]«h/L ljN;sf] efl/t cf};t Aofhb/ @)&@ c;f/df )=!&#( k|ltzt /x]sf] lyof] . o;af6 o:tf pks/0fx?df nufgL u/L pNn]Vo k|ltkmn k|fKt ug{' cToGt} r'gf}ltk"0f{ x'g uof] . ;ldIff cjlwdf ljut jif{sf] t'ngfdf !%!=@%Ü n] nufgLdf a[l4 ePsf] / ;f] cGtu{t ljb]zL a}+sx?df nufgL @&=$#Ü n] sdL, 6]«h/L ljn tyf ljsf; qm[0fkqdf %$=(^Ü a[l4 x'g uPsf] 5 . ;ldIff cjlwdf a}+sn] 6«]h/L lan tyf ;/sf/L C0fkqx?df nufgL ul/ cf};t )=^%!Ü k|ltkmn k|fKt ug{ ;kmn ePsf] 5 .

;ldIff cjlwdf a}+sn] l;len Soflk6n dfs]{6 lnld6]8sf] %! k|ltzt z]o/ vl/b u/L pQm sDkgLnfO{ l;len a}+ssf] ;xfos sDkgL agfpg] ;DaGwdf g]kfn /fi6« a}+saf6 :jLs[lt k|fKt u/L ;f];DaGwL sfo{ clGtd cj:yfdf k'u]sf] 5 .

o;sf ;fy;fy} a}+sn]] pko'Qm cj;/ k|fKt u/]df ;Defljt hf]lvd ljZn]if0f u/L ljleGg sDkgLx?df z]o/ nufgL ul/g]5 .

-^_ dfgj ;+;fwg Joj:yfkg (Human Resource Management)sd{rf/Lsf] Joj:yfkg / ;]jfdf lg/Gt/tf sfod ug]{ sfo{df ut jif{sf] t'ngfdf ;ldIff jif{df s]xL j9L r'gf}ltk"0f{ b]lvPsf] 5 . ;ldIff cjlwdf a}+saf6 5f]8]/ hfg] sd{rf/Lsf] ;+Vof #$ /xof] . ;ldIff cfly{s jif{;Dddf s'n $)^ hgf :yfoL tyf s/f/sf sd{rf/Lx? ljleGg txdf /x]/ a}+ssf] ;]jfdf h'6]sf 5g\ . a}+sn] u/]sf] cfDbfgL / sd{rf/Lsf] ;]jf ;'ljwfdf ;df~h:otf sfod ug{ tyf ablnbf] kl/l:ylt tyf Joj;flos lj:tf/ ;+u;+u} bIf sd{rf/Lsf] lgo'lQm / ;]jfdf sfo{/t sd{rf/Lsf] ;]jf lg/Gt/tf lgs} r'gf}ltk"0f{ /x]sf] 5 .

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-&_ zfvf lj:tf/ (Branch Expansion)a}ssf] s'n zfvf ;+Vof $@ j6f /x]sf] 5 . ut jif{ $! j6f zfvf /x]sf]df ;ldIff cjlwdf zfvf ;+Vof yk ug'{ eGbf klg e}/x]sf] zfvf sfof{nox?nfO{ ;Ifd agfpg] gLlt cg'?k o; jif{ ! j6f zfvf dfq yk ul/Psf] 5 . rfn' cfly{s jif{df Joj;flos b[li6sf]0fn] pko'Qm b]lvPsf :yfgx?df s]xL zfvf sfof{nox? yk ul/g]5 . zfvf /lxt a}+lsË ;]jf k|bfg ug]{ p4]Zon] s'n ( :yfgaf6 zfvf /lxt a}+lsË ;]jf ;+rfng ul/Psf] 5 .

-*_ ;+:yfut ;'zf;g (Corporate Governance)l;len a}+s lnld6]8n] ;+:yfut ;'zf;gsf] pNn+3gnfO{ z'Go ;xglzntf (Zero Tolerance) sf] gLlt cjnDag ub}{ cfPsf]] 5 . g]kfn /fi6« a}+s tyf cGo lgods lgsfox?jf6 ;+:yfut ;'zf;g ;DjGwL hf/L ePsf gLlt lgod tyf o;sf] dd{ / efjgf ;d]tdf l;len a}+s lnld6]8sf] ;+rfns ;ldlt b[9;+slNkt 5 . ;+:yfut ;'zf;gsf dfkb08x?nfO{ clwstd k|of]u u/L g]kfnsf] ljQLo If]qdf pbfx/0fLo a}+s aGg] xfd|f] nIo xf] . ;+:yfut ;'zf;fgsf] ;'b[9 sfof{Gjog / kfngfaf6 g} :j:Yo / lbuf] k|ltkmn (Healthy & Sustainable Return) k|fKt ug{ ;lsg] s'/fdf ;+rfns ;ldltnfO{ k"0f{ ljZjf; 5 .

;+:yfut ;'zf;g sfof{Gjog ug{sf] nflu l;len a}+s lnld6]8df ;+rfns ;ldltsf] cnfjf b]xfo adf]lhdsf] ;ldlt tyf pk–;ldltx? sfo{/t /x]sf 5g\ .

;+rfns:t/sf] ;ldltx? M -s_ n]vfk/LIf0f ;ldlt (Audit Committee) M g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ u}/ sfo{sf/L ;+rfns >L k|sfz tfonHo"sf] ;+of]hsTjdf ;+rfns >L ljgf]b nfn >]i7 ;b:o / cfGtl/s n]vfk/LIf0f ljefusf k|d'v ;b:o

;lrj ePsf] tLg ;b:oLo n]vfk/LIf0f ;ldltsf] /x]sf] 5 . a}+ssf] cfGtl/s n]vfk/LIf0f u/L ;f]sf] k|ltj]bg n]vfk/LIf0f ;ldltsf] a}7sdf 5nkmn u/L /fo ;'emfj ;+rfns ;ldltdf k]z ug]{ Joj:yf ul/Psf] 5 . o; ;ldltn] a}+s ;+rfns ;ldlt tyf Joj:yfkgnfO{ ;f]em} ;'emfj tyf lgb]{zg klg lbg ;Sg] Joj:yf 5 . cfGtl/s n]vfk/LIf0f ljefunfO{ :jtGq ljefusf] ?kdf :yfkgf ug{sf] nflu cfjZos gLlt lgodx? agfO{ nfu" ul/Psf] 5 . ;ldIff cjlwdf o; ;ldltsf] ( j6f a}7s a;]sf] lyof] . cfGtl/s n]vfk/LIf0f ljefusf] sfo{Ifdtf a[l4 ug{ cfjZos >f]t / ;fwgsf] Joj:yf u/L n]vfk/LIf0f ljefunfO{ cem ;zQm agfpb} nlug]5 .

-v_ hf]lvd Aoj:yfkg ;ldlt (Risk Management Committee):a}+ssf] ;du| hf]lvd cj:yfsf] af/]df cWoog tyf d'Nof+sg u/L ;+rfns ;ldltnfO{ /fo l;kmfl/z k]z ug{ hf]lvd Joj:yfkg ;ldlt lqmoflzn 5 . o; ;ldltdf ;+rfns >L cDaL/ af]u6L ;+of]hs, ;b:ox? ;+rfns >L k|sfz tfon, k|d'v sfo{sf/L clws[t, k|d'v ;+rfng clws[t / hf]lvd Aoj:yfkg ljefusf k|d'v ;b:o ;lrj /xg' ePsf] 5 . ;ldIff cjlwdf o; ;ldltsf] $ j6f a}7s a;]sf] lyof] . pNn]lvt a}7saf6 ;+rfns ;ldltnfO{ a}+ssf] shf{, ;+rfng, ahf/, ljlgdo nufotsf hf]lvd Go"lgs/0fsf] nflu pkof]lu ;'emfj tyf /fox? k|fKt ePsf] lyof] . k|fKt /fo ;'emfjnfO{ tTsfn sfof{Gjog ;d]t ul/Psf] 5 .

-u_ dfgj ;+;fwg Aoj:yfkg ;ldlt (Human Resource Management Committee):;+rfns >L ldqnfn >]i7Ho" ;+of]hs, ;+rfns >L cDaL/ af]u6L, k|d'v sfo{sf/L clws[t, k|d'v ljQ clws[t ;b:o / dfgj ;+;fwg ljefu k|d'v ;b:o ;lrj /x]sf] dfga ;+;fwg Joj:yfkg ;ldlt /x]sf] 5 . ;ldltn] a}+sdf sd{rf/Lsf] lgo'lQm, ;?jf, a9'jf, a[lQ ljsf;, kb:yfkgf, sfo{;Dkfbg d'Nof+sg, k'/:sf/, ;hfo / >d ;DaGw, kfl/>lds cflbsf] lgoldt ?kn] cWoog u/L pko'Qm gLlt lgdf{0f ug{ ;+rfns ;ldltnfO{ /fo ;'emfj k]z ug]{ Joj:yf ul/Psf] 5 . o; ;ldltsf] l;kmfl/;df a}+sdf sd{rf/Lsf] sfo{;Dkfbg d'Nof+sg lgb]{lzsf tyf cGo sd{rf/L;DaGwL gLlt lgodx? lgdf{0f u/L nfu' ug]{ ul/Psf] 5 .

Joj:yfkg:t/sf] ;ldlt ÷ pk;ldltx? M -s_ kbk'lt{ ;ldlt (Recruitment Committee) :a}+sdf jl/i7 sfo{sf/L clws[tsf] ;+of]hsTjdf a}+ssf cGo kbflwsf/Lx? ;b:o ePsf] kbk'lt{ ;ldlt /x]sf] 5 . o; ;ldltsf] l;kmfl/zdf k|d'v sfo{sf/L clws[tn] sd{rf/Lx?sf] lgo'lQm, a9'jf ug]{ Aoj:yf ul/Psf] 5 . sd{rf/Lsf] kbk"lt{;DaGwL k|lqmofnfO{ kf/bzL{ agfpg

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sd{rf/L 5gf}6 k|lqmof afXo >f]t (Out Sourcing) af6 Shortlisting ug]{ k/LIff lng] / k/LIffdf plt{0fx?nfO{ kbk"lt{ ;ldltaf6 cGt/jftf{ u/L lgo'lQmsf] nflu l;kmfl/z ug]{ Joj:yf ul/Psf] 5 .

-v_ vl/b ;ldlt (Procurement Committee):a}+ssf]] nflu cfjZos dfn;fdfg tyf ;]jf vl/b ug]{ sfo{nfO{ kf/bzL{ tyf ldtJooL lx;fjn] vl/b ug]{ k|of]hgsf] nflu Joj:yfkg :t/sf] 5'§} vl/b ;ldlt u7g ul/Psf] 5 . o; ;ldltdf k|d'v ;+rfng clws[tsf] ;+of]hsTjdf cGo kbflwsf/Lx? /xg] Joj:yf ul/Psf] 5 .

-u_ ;DklQ tyf bfloTj Joj:yfkg ;ldlt (Asset Liability Management Committee) M a}+ssf] k|d'v sfo{sf/L clws[tsf] ;+of]hsTjdf a}+ssf cGo kbflwsf/Lx? /xg] u/L Ps ;DklQ tyf bfloTj Joj:yfkg ;ldltsf] u7g ul/Psf] 5 . a}+ssf] ;DklQ bfloTjsf] Joj:yfkg ug{] tyf ;ldltsf] l;kmfl/zdf a}+ssf] Aofhb/x?sf] lgwf{/0f ug]{, nufgLx? ljljlws/0f ug]{ cflb lg0f{o ug]{ Joj:yf ul/Psf] 5 .

pNn]lvt ;ldltx?sf cltl/Qm a}+ssf] b}lgs Joj:ffo ;+rfng ug{sf] nflu Joj:yfkg txdf sfo{sf/L shf{ ;ldlt (Executive Credit Committee), shf{ c;'nL pk;ldlt, shf{ ckn]vg pk;ldlt, lnnfd pk;ldlt h:tf ;do ;dodf pk;ldltx? u7g u/L k|0ffnLa4 lsl;dn] sfo{ ub}{ cfPsf] 5 .

-(_ ufEg] ufleg] sfo{ (Merger) :l;len a}+s lnld6]8df PlS;; 8]enkd]06 a}+s lnld6]8 / l;len dr]{06 ljQLo ;+:yf lnld6]8nfO{ ufe] kZrft\ ;ldIff cjlwdf ufEg] ufleg] qmddf k|fKt ePsf ;DklQ, sd{rf/L, lgIf]k vftf, shf{ lgoldttf h:tf sfo{sf] Joj:yfkgdf g} a}+sn] Wofg k'¥ofpg' kg]{ ePsf] x'Fbf ;ldIff cjlwdf ufEg] ufleg] ;DaGwdf cf}krfl/s ?kdf s'g} klg ultljlwx? ul/Pg . tyfkL, cgf}krfl/s ?kdf pko'Qm a}+s tyf ljQLo ;+:yfx?sf] vf]hL ug]{, k|fKt x'g cfPsf k|:tfjnfO{ ljZn]if0f ug]{ h:tf sfo{x? ul/Psf] lyof] . g]kfn /fi6« a}+sn] tf]s]sf] cjlwleq tf]lsPsf] r'Qmf k"FhL a[l4 ug{ ufEg] ufleGf] sfo{sf] ljsNk gePsf] x'Fbf o; sfo{nfO{ rfn' cfly{s jif{df 7f];\ pknlAwdf k'Ug] ;+rfns ;ldltsf] ljZjf; /x]sf] 5 . t;y{ pko'Qm ;+:yfnfO{ o; a}+sdf ufEg] jf pko'Qm ;+:yf;+u l;len a}+s ufleP/ hfg] ;DaGwL ljz]if k|:tfj o; ;Ddflgt ;efaf6 kfl/t u/L ;+rfns ;ldltnfO{ clVtof/L k|bfg ug'{ x'g cg'/f]w ul/G5 .

-!)_ hf]lvd Aoj:yfkg (Risk Management) jt{dfg ;Gbe{df a}+s tyf ljQLo ;+:yfx? cToGt} hf]lvdo'Qm sf/f]af/df ;xeflu x'g] u/]sf] 5 . a}+ssf] shf{ hf]lvd, ahf/ hf]lvd, Aofhb/ hf]lvd, ;+rfng hf]lvd, t/ntf hf]lvd nufotsf ;du| a}+lsË hf]lvdsf] cf+sng Joj;fodf pTkGg x'g] ljljw hf]lvdx?nfO{ Go"lgs/0f ug{ k|0ffnLa4 k|lqmofsf] :yfkgf u/L sfo{ ub}{ cfPsf] 5 . a}+sdf /x]sf] hf]lvd lgoGq0f ljefu, cg'kfngf ljefu, cfGtl/s n]vfk/LIf0f ljefu, zfvf ;+rfng ljefu, sfg"g ljefu cflb h:tf cfGtl/s lgoGq0fsf] ;+/rgf dfkm{t b}lgs Joj;fodf pTkGg x'g] hf]lvdsf] lg/Gt/ cg'udg tyf ;f]sf] Go"lgs/0f ug]{ Joj:yf ul/Psf] 5 . a}+ssf] ;du| hf]lvd cg'udg ug{, ljljw hf]lvdsf] af/]df 5nkmn, cWoog, cg';Gwfg u/L ;+rfns ;ldltdf /fo, ;'emfj tyf cfjZos l;kmfl/z ug{ ;+rfns :t/Lo hf]lvd Joj:yfkg ;ldltn] sfo{ u/L cfPsf] 5 .

-!!_ ljB'tLo a}+ls· (E-banking)l;len a}+s lnld6]8nfO{ k|ljlwdf cfwfl/t a}+s (IT Driven Bank) sf] ?kdf :yflkt u/fpg Joj:yfkg tyf ;+rfns ;ldlt sl6a4 eO{ nfu]sf] 5 . a}+sn] 5f]6f] ;dodf g} MasterCard sf] ;b:otf eO{ u|fxsx?nfO{ 8]lj6 sf8{ hf/L u/]sf] 5 . eljiodf qm]l86 sf8{ hf/L ug]{ tkm{ a}+sn] u[xsfo{ k|f/De ul/;s]sf] 5 . 8]lj6 sf8{, OG6/g]6 a}+lsË, SMS Banking, Cell Pay, Hello Paisa h:tf ;]jf ;+rfngdf NofPsf] 5 . ljB'tLo sf/f]af/af6 u|fxsju{df x'g ;Sg] Electronic Fraud sf] hf]lvd Go"lgs/0f ug{sf] nflu a}+sn] plrt ;ts{tf ;d]t lnPsf] 5 .

a}+ssf zfvfx? tyf Aofkfl/s :yfgx?df ATM d]l;g /fvL ;+rfng ug]{ gLlt cg'?k ;ldIff cjlw;Dddf a}+sn] s'n #% j6f ATM d]l;gx? h8fg u/L lgIf]kstf{x?nfO{ ;]jf k'¥ofO{ /x]sf] 5 .

a}+sn] k|fljlws ;]jf k|bfossf] ;dGjodf ;j{;fwf/0fdf a}lsË ;]jfsf] kx'Fr a[l4 ug{ df]afOn kmf]gåf/f ;]jf lj:tf/ ug{] of]hgf /x]sf] 5 .

u|fxssf] sf/f]jf/nfO{ ;'/lIft ug{] p4]Zon] ATM sf8{df x'g ;Sg] 7uL sfo{nfO{ Go"gLs/0f ug{ a}+sn] Magnetic Strip Card sf] ;§fdf lgs6 eljiodf g} Chip Card hf/L ug{ u[xsfo{ u/L/x]sf] 5 .

-!@_ ljk|]if0f sf/f]af/ (Remittance Transaction) a}+sn] ;+rfngdf NofPsf]] l;len a}+s /]ld6 ;]jfsf] b]z e/df e'QmfgL Ph]G6x? /x]sf] / cGo g]kfndf Vofltk|fKt

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ljk|]if0f sDkgLx? g]6\kmS;\ ln=, j]i6g{ o'lgog dlg 6«fG;km/, dlgu|fd, k|e' dlg, cfO{PdO{, l/nfoan /]ld6 / P;l8laPn /]ld6, lxdfn /]ld6, l;l6 PS:k|];, dfjfl/8 PS:r]~h b'jO{, / PlS;; a}+s lnld6]8, ef/tsf] ljk|]if0f e'QmfgL k|ltlglw eO{ cfGtl/s tyf jfXo ljk|]if0f sf/f]af/ ub}{ cfPsf] 5 .

-!#_ d'gfkmf tyf nfef+zsf] afF8kmf“8 (Profit and Dividend Distribution)a}+sn] ut jif{sf] t'ngfdf #$=$$ k|ltztn] ;+rfng d'gfkmf a'l4 u/L ;ldIff cjlwdf shf{ gf]S;fgL Joj:yf tyf s/ kZrft ? @#=)) s/f]8 v'b d'gfkmf tyf jf;nftdf /x]sf] ;+lrt d'gfkmfaf6 z]o/wgL dxfg'efjx?nfO{ r'Qmf k"FhLsf] ^=&%Ü k|ltztsf b/n] af]g; z]o/ tyf )=#%% k|ltzt sf b/n] gub nfef+; -s/ k|of]hgsf] nflu ;d]t_ u/L s'n ?= @)=%! s/f]8 nfef+z ljt/0f ug]{ k|:tfj ul/Psf] tyf pQm k|:tfjnfO{ g]kfn /fi6« a}+saf6 ;d]t :jLs[lt k|fKt ePsf]n] o; ul/dfdo ;fwf/0f ;efn] kfl/t ul/lbg' x'g cg'/f]w ul/G5 . af]g; z]o/ ljt/0f ubf{ vl08s[t (Fraction) x'g] z]o/nfO{ ljut jif{df em} z]o/ k"0f{s[t geP;Dd ;DalGwt z]o/wgLs} gfddf /fVg] / cfos/ P]g, @)%* sf] bkmf $& -s_ sf] pkbkmf -%_ adf]lhd ;fljssf] PlS;; 8]enkd]06 a}+s lnld6]8, l;len dr]{G6 ljQLo ;+:yf lnld6]8 / l;len a}+s lnld6]8 Ps cfk;df ufleO{ ;+o'Qm sf/f]af/ u/]sf] ldlt @)&!÷)!÷)! eGbf cl3 sfod /x]sf z]o/wgLx?nfO{ nfef+zdf s/ gnfUg] / ;f] ldlt kZrft sfod x'g cfPsf z]o/wgLx?nfO{ af]g; z]o/ ljt/0f ubf{ s/ nfUg] ePsf] x'Fbf nfef+z s/ nfUg] z]o/wgLx?sf] xsdf k|:tfljt gub nfef+zaf6 s/ e'QmfgL ug{ k|:tfj ul/Psf] 5 .

-!$_ dxfe'sDkn] kf/]sf] c;/ (Impact of Earthquake)M cfb/0fLo z]o/wgL dxfg'efjx?, b]zdf ut a}zfv !@ ut] uPsf] dxfe'sDk / tTkZrft uPsf k/fsDkgx?sf] sf/0f ;Dk"0f{ b]zsf] cy{tGqg} w/f;foL x'g' kbf{ l;len a}+s o; ljifd b}ljk|sf]kaf6 c5't /xg ;s]g . a}+ssf] l;Gw'kfNrf]s lhNnf l:yt d]nDrL tyf afx|lj;], uf]/vf lhNnf l:yt cf?3f6 tyf sf7df08f}+sf] :joDe' zfvf sfo{fnox? Ifltu|:t eO{ a}+lsË sf/f]af/ ;+rfng ug]{ cj:yfdf g} gePsf]n] pQm zfvf sfof{nox?df sl/j $ dlxgf;Dd a}+slNks Joj:yf u/L u|fxsx?nfO{ ;]jf k'¥of{Psf] lyof] . xfn pQm zfvf sfof{nox? pko'Qm ejgdf :yfgfGt/0f eO{ sf/f]af/ ;'rf? ul/ ;lsPsf] 5 . oL $ j6f zfvf sfof{nox?df /x]sf] rn crn ;DklQx?df ePsf] Ifltn] ubf{ a}+sn] ?= $^,%&,$)(÷– ?k}of a/fa/sf] ;DklQ ckn]vg ug'{ k/]sf] 5 .

-!%_ ;+:yfut ;fdflhs pQ/bfloTj (Corporate Social Responsibility)l;len a}+sn] ;+:yfut ;fdflhs pQ/bfloTj sfo{sf] lg/Gt/tfnfO{ o; ;ldIff cfly{s jif{df klg lg/Gt/tf lbOPsf] 5 . a}+ssf] ;fgf] ;xof]un] ;dfhdf 7'nf] kl/jt{g gxf]nf t/ To;n] ;dfhsf] nflu ;sf/fTds ;Gb]z k|bfg ug]{ s'/fdf xfdL ljZj:t 5f}+ . ;ldIff cf=j= df lzIff, :jf:Yo, kof{j/0f ;+/If0f, ;+:s[lt ;+/If0f, k|fs[lts ljktdf k/]sf JolQmx?nfO{ ;xof]u ul/Psf] 5 . a}+sn] g]kfn afn ;+u7gdf /x]sf # hgf cgfy afnsx?sf] ;Dk"0f{ vr{ Joxf]g]{ sfo{ o; jif{ klg lg/Gt/ /xof] . afudtL ;/;kmfO{ cleofgdf a}+ssf] ;xeflutf b]lv lnP/ l;Gw'kfNrf]ssf] h'/]df uPsf] klx/f] kLl8tnfO{ ;xof]u ug{ k|wfgdGqL /fxft sf]ifdf ;Dk"0f{ sd{rf/Lx?sf] Ps lbgsf] tnj jfkt ?= % nfv &% xhf/ tfTsflng k|wfgdGqL z'lzn sf]O/fnfnfO{ x:tfGt/0f ul/Psf] lyof] . To:t} u/L dxfe'sDkaf6 kLl8t l;Gw'kfNrf]s, sfe|]knf~rf]s, sf7df08f}+, nlntk'/ tyf eQmk'/ lhNnfsf ljleGg :yfgx?df uO{ 6]G6 nufotsf aGbf]a:tLsf ;fdu|L, vfBfGg, nQfsk8f cflb ljt/0f ul/Psf] lyof] . o; dfgjLo ;xfotfsf] qmddf a}+sn] k|wfgdGqL /fxt sf]ifdf

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-!^_ lgis[o shf{sf] Joj:yfkg (Management of Non Performing Loan)cfb/0fLo z]o/wgL dxfg'efjx?, a}+sdf ljut cfly{s jif{sf] t'ngfdf lgis[o shf{ a[l4 x'b} uPsf] tkm{ a}+s ;+rfns ;ldlt cToGt} lrlGtt 5 . vf; u/L ;fljssf] PlS;; 8]enkd]G6 a}+s lnld6]8 / l;len dr]{G6 ljQLo ;+:yf lnld6]8nfO{ o; a}+sdf ufe] kZrft pQm ;+:yfx?df /x]sf] lgis[o shf{, l;len a}+s ;+:yfkgf kZrft shf{ kf]6{kmf]lnof]df a[l4 ug'{ kg]{ cfjZostf tyf cfd ljgfzsf/L e'sDksf] sf/0fn] ;du| cy{ Joj:yf tyf Joj;foLs jftfj/0fdf gsf/fTds c;/ kfbf{ C0fLx?n] ;dodf shf{ e'Qmfg ug{ g;Sg] cj:yf cfflb sf/0fx?n] a}+ssf] lgis[o shf{ #=@) k|ltzt k'Ug uPsf] xf] . lgis[o shf{ a[l4 x'Fbf a}+ssf] d'gfkmfdf k|ToIf c;/ kg]{ / o;n] a}+ssf] lxtdf k|lts'n c;/ k'Ug ;Sg] s'/fnfO{ dWogh/ ub}{ Joj:yfkg :t/Lo shf{ c;'nL sfo{bn (Loan Recovery Task Force) u7g u/L shf{ c;'nLsf] sfo{nfO{ lta|tf lbOPsf] 5 . h;sf] kl/0ffd:j?k rfn' cfly{s jif{sf] k|yd q}df;df a}+ssf] lgis[o shf{ @=%$ k|ltzt sfod x'g cfPsf] 5 . shf{ c;'nLsf] sfo{nfO{ lg/Gt/ ?kdf cufl8 a9fpFb} yk shf{ gf]S;fgL Joj:yf gx'g] tkm{ ;hu /xL lgis[o shf{nfO{ ! k|ltzt leq} /fVg] nIosf ;fy a}+s cufl8 a9]sf] 5 .

-!&_ ;+:yfks z]o/ ;j{;fwf/0fdf kl/0ft (Conversion of Promoter share)l;len a}+s lnld6]8 ;+:yfkgf x'Fbf ;+:yfks ;d'xsf] ^) k|ltzt / ;j{;fwf/0f ;d'xsf] $) k|ltzt z]o/ ;+/rgf /x]sf]df ;fljssf] PlS;; 8]enkd]G6 a}+s lnld6]8 / l;len dr]{G6 ljQLo ;+:yf lnld6]8nfO{ o; a}+sdf ufe]

kZrft ;+:yfks ;d'xsf] %(=^* k|ltzt / ;j{;fwf/0f ;d'xsf] $)=#@ k|ltzt z]o/ ;+/rgf sfod x'g cfPsf] 5 . ;+:yfks z]o/nfO{ %! k|ltzt / ;j{;fwf/0f z]o/nfO{ $( k|ltzt x'g] u/L ;+:yfks z]o/nfO{ ;j{;fwf/0f z]o/df kl/0ft u/L ;j{;fw/0f ;/x bf]>f] k'FhL ahf/dfkm{t sf/f]af/ ug{ ;Sg] Joj:yf g]kfn /fi6« a}+ssf] lgb]{zgdf ePsf] x'Fbf ;f] cg';f/ xfn sfod z]o/ dWo] ;+:yfks z]o/ ;+/rgfsf] *=^* k||ltzt z]o/ ;j{;fwf/0f z]o/df kl/0ft ug]{ sfo{sf] nflu g]kfn /fi6« a}+saf6 :jLs[lt ;d]t k|fKt ePsf] x'Fbf ;f] adf]lhd *=^* k||ltzt ;+:yfks z]o/ ;j{;fwf/0fdf kl/0ft ug{] :jLs[lt k|bfg ug]{ ;fy} s'g} ;+:yfks z]o/wgLn] ;j{;fwf/0fdf kl/0ft ug{ grfx]sf] v08df ;+:yfks ;d'xsf] z]o/ :jfldTj %! k|ltzt eGbf sd gx'g] u/L afFsL /x]sf] z]o/wgLx?nfO{ ;dfg'kflts ?kdf jf s'g} Ps z]o/wgLnfO{ pkof]u u/fO{ z]o/ cg'kft ldnfpg ;+rfns ;ldltnfO{ clVtof/L k|bfg ug{] ;DaGwL ljz]if k|:tfj ;efdf k|:t't ul/Psf] 5 . o; ljz]if k|:tfjnfO{ :jLs[lt k|bfg ug{ o; ul/dfdo ;efnfO{ cg'/f]w ub{5f}+ .

cGTodf, a}+s ;~rfngsf nflu xfdLnfO{ ;'lDkg' ePsf] uxgtd cleef/fnfO{ OdfGbf/Lk"j{s jxg ug{ sl6j4 /x]sf] Joxf]/f cjut u/fpb} cf–cfˆgf] If]qaf6 z]o/wgL Dfxfg'efjx?n] o; a}+ssf] pGglt / k|ultsf] nflu ug'{ePsf] ;xof]u k|lt s[t1tf JoQm ub}{ oxfFx?af6 lg/Gt/ ;xof]u / ;b\efj kfpg] ljZjf; ;lxt a}+ssf] rf}tkmL{ k|ultsf lglDt k|ltj4 /x]sf] ljZjf; lbnfpg rfxG5f}F .

wGojfb Û

;+rfns ;ldltsf] tkm{af6O{= O{R5f /fh tfdfË

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;ldltsf] k|ltj]bgdf o; ;DjGwdf pNn]v ul/Psf] 5 .

-@_ /fli6«o tyf cGt/fli6«o kl/l:ylt / o;sf k|efjx? M

-s_ cGt/fli6«o kl/l:ylt ;g\ @)!% df ljsl;t d'n'sx?sf]] cfly{s ultljlwdf ;'wf/ x'g] / pbLodfg Pjd\ ljsf;zLn d'n'sx?sf] cfly{s ultljlwdf s]xL ;+s'rg cfpg] b]lvPsf] 5 .

cGt/f{li6«o d'b|fsf]ifn] h'nfO{ @)!% df hf/L u/]sf] World Economic Outlook sf cg';f/ ljZjsf] cfly{s j[l4b/ ;g\\ @)!$ df #=$ k|ltzt /x]sf] lyof] .

;+o'Qm /fHo cd]l/sfsf] cfly{s j[l4b/ ;g\ @)!$ df @=$ k|ltzt /x]sf] lyof] .

;g\ @)!$ df o'/f] If]qsf] cy{tGq )=* k|ltztn] j[l4 ePsf] lyof] eg] hfkfgsf] cfly{s j[l4b/ )=! k|ltztn] C0ffTds /x]sf] lyof] . ;g\ @)!% df o'/f] If]q Pjd\ hfkfgsf] cy{tGq qmdzM !=% k|ltzt / )=* k|ltztn] j[l4 x'g] k|If]k0f 5 .

cGt/f{li6«o d'b|f sf]ifsf cg';f/ ;g\ @)!$ df pbLodfg Pjd\ ljsf;zLn d'n'sx?sf] cy{tGq $=^ k|ltztn] lj:tf/ ePsf] lyof] . To;}u/L, ;g\ @)!% df Go"g cfo ePsf d'n'sx?sf] cfly{s j[l4b/df ;d]t ;+s'rg cfpg] b]lvG5 . oL d'n'sx?sf] cfly{s j[l4b/ ;g\ @)!$ df ^=) k|ltzt /x]sf] sf]ifn] hgfPsf] 5 . l5d]sL d'n'sx? ef/t / rLgsf] cfly{s j[l4b/ ;g\ @)!$ df qmdzM &=# k|ltzt / &=$ k|ltzt /x]sf] lyof] . sf]ifsf] k|If]k0f cg';f/ ;g\ @)!$ df ljZj Jofkf/ #=@ k|ltztn] j[l4 ePsf] lyof] .

;g\ @)!$ df ljsl;t d'n'sx?sf] d'b|f:kmLlt !=$ k|ltzt /x]sf]df k]6«f]lnod kbfy{sf] d"Nodf cfPsf] lu/fj6sf ;fy} cfGtl/s dfu sdhf]/ /x]sf]n] ;g\ @)!% df ljsl;t d'n'sx?sf] d'b|f:kmLlt z"Go k|ltzt /xg] sf]ifsf] k|If]k0f 5 . To:t} u/L ;g\ @)!$ df pbLodfg Pjd\ ljsf;zLn d'n'sx?sf] d'b|f:kmLlt %=! k|ltzt /x]sf]df ;g\ @)!% df %=% k|ltzt /xg] k|If]k0f 5 . cGt/f{li6«o d'b|fsf]ifsf] clk|n @)!% sf] k|If]k0f cg';f/ ;g\ @)!% df l5d]sL d'n's ef/t sf] d'b|f:kmLlt b/ ^=! k|ltzt / rLgsf] d'b|f:kmLlt b/ !=@ k|ltzt /xg] cg'dfg 5 . ->]ft, df}lb|s gLlt, @)&@÷&# g]kfn /fi6« a}+s_

-v_ /fli6«o kl/l:ylt M -a}+ssf] ;~rfns ;ldltsf] k|ltj]bgdf o; ;DjGwdf pNn]v ul/Psf] 5_

-#_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff M

-s_ rfn' cfly{s jif{sf] klxnf] qodf; cGt/ut k|ltj]bg tof/ kfbf {;Dddf a}+ssf] sf/f]af/sf] l:ylt b]xfo adf]lhd /x]sf] 5 .

ljj/0f @)&@ k|yd q}df;

r'Qmf k'FhL 2,88,78,49,420÷”

lgIf]k 27,37,06,72,135=62

shf{ 24,13,54,17,514=11

t/ntf cg'kft 23=37∞kF'hLsf]if cg'kft 12=93lgis[o shf{ cg'kft 2=54∞cfwf/ b/ (Base Rate) 8=38∞

-v_ a}+ssf] pGglt k|ultsf] nflu eljiodf ug'{ kg]{ sfo{sf] ;DaGwdf ;+rfns ;ldltsf] wf/0ff M �a}+sn] cfˆgf] zfvfsf] ;+hfn qmlds ?kdf lj:tf/ ub}{

nfg] . � a}+sn] cfkm\gf] nufgLnfO{ cy{Joj:yfsf] tNnf] tx;Dd

k'¥ofpgsf] nflu pkef]Qmf shf{ tyf n3'ljQ shf{nfO{ k|fyldstf lbO{ ;fgf tyf demf}nf shf{ tyf lgIf]kdf hf]8 lbO{ 7f]; /0fgLltsf ;fy sfo{ ug]{ .

�lgIf]k ;+sng tkm{ ;+:yfut lgIf]ksf] ;fy ;fy} ;j{;fwf/0f hgtfsf] lgIf]k cfs{if0f a[l4 u/L lbuf] lgIf]k kl/rfng ug]{ .

�a}+snfO{ k"FhLut, zfvf ;+hfn, u|fxs ;+Vof cflbsf] b[li6sf]0faf6 ;'b[9 agfO{ k|ltiklw{ a}+ssf] ?kdf :yflkt ug{sf] nflu cGo pko'Qm a}+s tyf ljQLo ;+:yfx?nfO{ o; l;len a}+sdf ufEg] sfo{nfO{ lg/Gt/tf lbg' kg]{ .

�ljk|]if0f ;]jfsf] kx'Fr lj:tf/ ug{ l;len a}+s /]ld6sf Ph]06 tyf sfp06/x? yk ug]{ .

�shf{ tyf lgIf]ksf] nflu gofF gofF ;]jfx?sf] ;'?jft ug]{ .�cfw'lgs a}+lsË ;]jfsf ;j} k|ljlwx? k|of]u u/L a}+lsË

;]jfsf] nflu Technology Driven Bank sf] ?kdf :yflkt ug]{ .

�a}+ssf] sf/f]af/;+u ;DalGwt ljljw hf]lvd Go"lgs/0f ug{sf] nflu cfjZos k"j{ ;ts{tfx? ckgfpg] .

sDkgL P]g, @)^# sf] bkmf !)( sf] pkbkmf $ adf]lhdsf] ljj/0f

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�clws]Gb|Lt hf]vLd sd ug{ Pj+ jhf/ ljljlws/0f ug{ a}+sn] ;fgf tyf demf}nf k|s[ltsf] Joj;fodf nufgL ug]{ p2]Zon] SME Banking sf] ;'?jft u/]sf] 5 . a}+sn] lk5l8Psf] tyf u|fld0f If]qsf hgtfnfO{ nlIft u/L ;+rfngdf NofPsf] Micro Banking sfo{qmdnfO{ cem lj:tf/ ub}{ nlug]5 .

�a}+ssf] cfkm\g} skf]{/]6 ejg lgdf{0fsf] nflu pko'Qm hUuf vl/b u/L k|lqmof cufl8 a9fpg] .

-$_ sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGw Mcfkm\gf u|fxsnfO{ cGt/f{li6«o sf/f]af/ ;+rfng ug{sf] nflu ;xhtf Nofpgsf] nflu ljleGg cGt/f{li6«o a}+s tyf ljQ sDkgL;+usf] ;DjGw cfjZos x'g hfG5 . u|fxssf cfoft lgof{t tyf cGt/f{li6«o sf/f]af/nfO{ ;xhtf k|bfg ug{ cGt/f{li6«o :t/df /fd|f] ;+hfn / /fd|f] ljQLo cj:yf ePsf a}+s tyf ljQLo ;+:yf;+u ;DjGw :yfkgf ug{'kg]{ x'G5 . To;sf cltl/Qm ljb]zdf /x]sf g]kfnLx?nfO{ ;xh ?kdf ljk|]if0f dfkm{t /sd k7fpgsf] nflu ;d]t ljleGg cGt/fli6«o:t/df /fd|f] ;+hfn ePsf /]ld6fG; tyf PS;r]Gh sDkgLx?;+u ;d]t ;DjGw :yfkgf ug{'kg]{ x'G5 . ;f] cg'?k a}+sn] ef/tsf] Standard Chartered Bank, Axis Bank tyf HDFC Bank, a]nfotsf] Standard Chartered Bank UK, hd{gLsf] Commerz Bank, cd]l/sfsf] Standard Chartered Bank, Habib American Bank, c:6]«lnofsf] National Australia Bank h:tf a}+sx?;+u Correspondent Banking ;DaGw :yfkgf u/L sf/f]af/ u/L cfPsf] 5 . ljk|]if0f ;DjlGw sf/f]jf/ ug{ Netfox Limited, Western Union Money Transfer nufotsf cGt/f{li6«o sDkgLx?;+u ;DaGw :yfkgf u/L sf/f]af/ u/L cfPsf] 5 .

-%_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f M;ldIff jif{df a}+ssf] ;+rfns ;ldltdf s'g} x]/km]/ gePsf] .

-^_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M� @)&@ a}zfv !@ ut] uPsf] dxfe'sDk tyf ;f] kZrft

uPsf k/fsDkx?sf] sf/0f pBf]uwGbf, sn sf/vfgf, ljBfno tyf ko{6g If]qdf kf/]sf] gsf/fTds c;/n] a}+ssf] cfDbfgLdf c;/ ug{ ;Sg] .

� ;+ljwfg;efaf6 gofF ;+ljwfg lgdf{0f eP kZrft cgk]lIft ?kdf gfsfaGbL, aGb x8\tfn h:tf s[ofsnfkn] b]zsf] ;du| cfly{s Joj:yfdf gsf/fTds k|efj kg'{ .

� sf7df08f} pkTosfdf zfvf sfof{no :yfkgf ug{sf] nflu u|fdL0f If]qdf zfvf vf]Ng' clgjfo{ ePsf] x'Fbf ;a} u|fld0f zfvfx? Joj;foLs b[li6sf]0fn] kmnbfoL gx'g] ;Defjgf x'g',

� a}s tyf ljQLo ;]jfx?df art / shf{sf] Jofhb/df

Ps?ktf sfod gx'g', � cl:y/ Aofhb/ tyf bIf hgzlQmsf] cefjn]

pTkfbgsf] nfut clej[l4 x'g', � t/ntfsf] l:ylt /fd|f] /xFbf /xFb} klg o;nfO{ pBf]u

tyf pTkfbgzLn If]qdf k|jflxt ug{ g;lsg', � k"FhLahf/df s]xL ;'wf/ ePklg 3/hUuf Joj;fo

ck]lIft ?kdf ;'wf/ x'g g;Sg' h:tf sf/0fn] cy{tGqdf ck]lIft ultzLntf cfpg g;Sg',

� nufgLsf] jftfj/0f aGg g;s]sf] sf/0fn] lghL If]qsf] shf{ dfudf lzlyntf cfpg' .

-&_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f]pk/ ;~rfns ;ldltsf] k|lts[of M;ldIff cfly{s jif{sf] n]vfk/LIf0f k|ltj]bgdf ;f/e't s}lkmot gePsf] . a}+ssf] lgoldt a}+lsË sf/f]jf/sf] lznlznfdf x'g] ;fdfGo s}lkmot -l6Kk0fL_ x? pk/ ;~rfns ;ldltsf] Wofgfsif{0f ePsf] / ;'wf/fTds sbdx? rfNg / eljiodf gbf]xf]l/g] Joj:yf ldnfpg a}+s Joj:yfkgnfO{ lgb]{zg ;d]t lbO{Psf] 5 .

-*_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd Mcf= j= @)&!÷)&@ sf] d'gfkmfaf6 z]o/wgLx?nfO{ ^=&%Ü af]g; z]o/ / )=#%%Ü sf b/n] gub nfef+; lbg] k|:tfj ul/Psf] 5 .

-(_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] clÍt d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f]afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f M;ldIff cjlwdf s'g} z]o/ hkmt ul/Psf] 5}g .

-!)_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg Ma}+ssf] sf/f]jf/ k|ult ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] 5 eg] a}+ssf] s'g} ;xfos sDkgL g/x]sf] .

-!!_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g Ma}+sn] ;ldIff cjlwdf u/]sf] sf/f]af/x? dfly pNn]v eO;s]sf] . dr]{G6 a}+s/sf] sf/f]af/ ug]{ u/L l;len Soflk6n dfs]{6 lnld6]8nfO{ o; a}+ssf] ;xfos sDkgL agfpg pQm sDkgLsf] %! k|ltzt z]o/ vl/b u/L pQm sDkgLnfO{ o; a}+ssf] ;xfos sDkgL agfpg g]kfn /fi6« a}+saf6 :jLs[lt k|fKt eO{ sfg"g adf]lhd z]o/ vl/b ljqmLsf] sfo{ clGtd cj:yfdf k'u]sf] x'Fbf rfn' cfly{s jif{ leq} ;f] sfo{ ;DkGg u/L l;len Soflk6n dfs]{6

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@17

lnld6]8nfO{ ;xfos sDkgLsf] ?kdf ;+rfng ul/g]5 .

-!@_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/LM cfwf/e"t z]o/wgLx?n] s'g} hfgsf/L pknAw gu/fPsf] .

-!#_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/L Mo; a}+ssf lgDg ;+rfnsx?sf] b]xfo adf]lhd z]o/ :jfldTj sfod /x]sf] / a}+ssf cGo kbflwsf/Lx?n] sd{rf/L z]o/ cGt/ut k|fylds z]o/ hf/L ubf{ z]o/ wf/0f u/]sf] t/ z]o/ sf/f]af/df ;+nUg ePsf] s'g} hfgsf/L a}+snfO{ k|fKt gePsf] .

;+rfnssf] gfd, y/ kb z]o/ :jfldTj lsQf

O{= O{R5f /fh tfdfË cWoIf -;+:yfks z]o/wgL ;d"x_

!*,!(,)@*

>L cDaL/ af]u6L ;+rfns -;+:yfks z]o/wgL ;d"x_

!,!&,&))

>L k|sfz tfon ;+rfns -;+:yfks z]o/wgL ;d"x_

@,$),&%)

>L ljgf]b nfn >]i7 ;+rfns -;+:yfks z]o/wgL ;d"x_

@,*!%

>Ldlt /Ltf >]i7 ;+rfns -;+:yfks z]o/wgL ;d"x_

**,&%^

>L 3g]Gb| axfb'/ >]i7 ;+rfns -;j{;fwf/0f z]o/wgL ;d"x_

%$%

>L ldqnfn >]i7 -Pg dlN6g]zgn k|f= ln=_

;+rfns -;j{;fwf/0f z]o/wgL ;d"x_

@,!&(

>L ;+ud s]=;L= ;+rfns -;j{;fwf/0f z]o/wgL ;d"x_

$#!

k|f=8f= /d]z bfxfn ;+rfns -Joj;flos ljz]if1_

gePsf] .

-!$_ ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/fM s]xL gePsf] .

-!%_ sDkgLn] cfˆgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / clÍt d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sd M a}+sn] ;ldIff cjlwdf cfˆgf] z]o/ cfkm}n] v/Lb u/]sf] 5}g .

-!^_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f Ma}+sdf cfGtl/s lgoGq0f k|0ffnL Joj:yf ePsf] 5 . ;f]

Joj:yf adf]lhd a}+ssf] n]vfk/LIf0f ;ldltsf] dftxtdf cfGtl/s n]vfk/LIf0f (Audit) ljefusf] Joj:yf /x]sf] 5 . o; ljefun] n]vfk/LIf0f u/L ;ldlt ;dIf cfˆgf] k|ltj]bg k]z ub{5 . ;fy} shf{ tyf sfg"gL hf]lvdx? Go"lgs/0f ug]{ p4]Zon] hf]lvd lgoGq0f (Risk Control) tyf sfg"g ljefusf] k|ToIf ;+nUgtfdf shf{ k|zf]wg sfo{ ug]{ k|aGw ul/Psf] 5 . a}+sdf 5'§} cg'kfngf ljefu (Compliance Department) sf] Joj:yf ePsf]n] ;f] ljefujf6 lgoldt cg'kfngfsf] cg'udg ug]{ ul/Psf] 5 . ;fy} a}+ssf ;Dk'0f{ x/lx;fj cTofw'lgs -;km\6j]o/_ sDKo'6/ dfWodjf6 ;+rfng ug]{ ul/Psf] 5 .

-!&_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f M;ldIff cjlwdf ePsf] s"n Joj:yfkg vr{sf] ljj/0f lgDgfg';f/ /x]sf] 5 M– � sd{rf/L vr{ ?=@),&(,##,!@(÷–� sfof{no ;~rfng vr{ ?=@^,)#,%),#^^÷–

-!*_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f Ma}+ssf] n]vfk/LIf0f ;ldltsf ;b:ox? lgDg adf]lhd /x]sf] 5 .s_ >L k|sfz tfon – ;+rfns – ;+of]hs, v_ >L ljgf]b nfn >]i7 – ;+rfns – ;b:o u_ cfGtl/s n]vfk/LIf0f ljefu k|d'v – ;b:o ;lrj

n]vfk/LIf0f ;ldltsf ;b:onfO{ a}7s eQf ;+rfns ;ldltsf] a}7sdf pkl:yt ePjfkt k|bfg ul/g] eQf a/fa/sf] eQf k|bfg ul/Psf] / cGo s'g} ;'ljwf k|bfg ul/Psf] 5}g . ;ldIff cjlwdf ;f] ;ldltsf] ( k6s j}7s j;]sf] lyof] . ;ldltn] a}+s ;~rfng;DaGwL cfjZos ;'emfjx? k|bfg u/]sf] lyof] .

-!(_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+u7Lt ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f M gePsf] .

-@)_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd M

�k|jGw ;+rfns kb gePsf] . ;~rfnsx?n] ;+rfns ;ldltsf] j}7sdf pkl:yt ePsf]df k|lt a}7s ;+rfns ;ldltsf cWoIfn] ?=^)))÷– / ;+rfnsx?n] ?= %)))÷– a}7s eQf kfpg] 5g\ .

�k|d'v sfo{sf/L clws[tsf] xsdf lghsf] kfl/>lds dfl;s ? !@,)),)))÷– / bz} k]ZsL eQf, jf]g;, ;+rosf]if, ;jf/L ;'ljwf, d]l8sn tyf b'3{6gf jLdf cflb ;'ljwf k|bfg ul/Psf] 5 .

�a}+ssf] cGo kbflwsf/Lx?sf] jflif{s kfl/>lds tyf ;'ljwfx?M

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@18

k|ltj]bg cf=j=df a}+ssf] cGo kbflwsf/Lx?nfO{ -k|aGws jf ;f] eGbf pRrkb:y kbflwsf/L t/ k|d'v sfo{sf/L clws[t jfx]s_ tnj / eQf jfkt ?= $,#^,%^,*!$=!! / sd{rf/LnfO{ lgod adf]lhd k|bfg ul/g] ;'ljwfx? -h:t}M ;~rosf]if, cf}ifwf]krf/, ;jf/L;fwg, df]jfO{n kmf]gsf] ljn e'QmfgL ;'ljwf O{TofbL_ tyf jf]g; P]g adf]lhdsf] sd{rf/L jf]g; ;d]t Joj:yf ul/Psf] 5 .

-@!_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd M ;ldIff cfly{s jif{;Dddf z]o/wgLx?n] ?= !,(*,#),@@@÷– gub nfef+z /sd a'lemlng af+sL /x]sf] 5 . -of] /sd ;fljssf] kz'klt 8]enkd]06 a}+s, pBd ljsf; a}+s, PlS;; 8]enkd]06 a}+s, l;len dr]{G6 ljQLo ;+:yf lnld6]8n] 3f]if0ff u/]sf] nfef+z ;d]t xf] _

-@@_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f M ;ldIff cjlwdf a}+lsË sf/f]af/sf] nflu cfjZos ;DklQ afx]s cGo ;DklQx? vl/b jf ljqmL gePsf] .

-@#_ bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f M ;ldIff cjlw;Dd o; a}+ssf] s'g} klg d'Vo jf ;xfos jf cGo ;Da4 sDkgL g/x]sf] . o; a}+sn] l;len Soflk6n dfs]{6 ln= nfO{ ;xfos sDkgL agfpg g]kfn /fi6« a}+sjf6 :jLs[tL k|fKt eO;s]sf] / pQm sDkgLnfO{ o; a}+ssf] ;xfos sDkgL ug]{ k|lqmofdf /x]sf] 5 .

wGojfb Û

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@19

!= ;+rfns ;ldltsf] k|ltj]bgM aflif{s k|ltj]bgsf] ;DalGwt zLif{s cGtu{t /flvPsf] .

@= n]vfk/LIfssf] k|ltj]bgM aflif{s k|ltj]bgsf] ;DalGwt zLif{s cGtu{t /flvPsf] .

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

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

s_ q}dfl;s cjlwdf ;+ul7t ;+:yfn] jf ;+:yfsf] lj?4 s'g} d'2f bfo/ ePsf] eP Mcfly{s jif{ @)&!÷&@ df a}+sn] jf a}+ssf] lj?4 a}lsË sf/f]jf/sf] l;nl;nfdf !) j6f d'4f ljleGg cbfntx?df ljrf/flwg /x]sf] 5 .

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

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

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

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

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

qm= ;+=

ljj/0f klxnf] q}df;

bf];|f] q}df;

t];|f] q}df;

rf}yf] q}df;

! clwstd d"No #%% @(% #@$ #!%

@ Go"gtd d"No @&* @@$ @&% @$(

# clGtd d"No @() @*) @*% @&)

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

% sf/f]af/ lbg %$ %* %& $#

^= ;d:of tyf r'gf}tLx?M

-!_ cfGtl/s ;d:of / r'gf}tL M -s_ zfvf lj:tf/ tyf a9\bf] d'b|fl:kmltsf sf/0f ;+rfng

vr{df a[l4 .-v_ zfvf lj:tf/ tyf gofF ;]jf z'? ug{sf] nflu cfjZos

bIf hgzlQmsf] cefj .-u_ Aofhb/ cGt/ sd ug'kg]{ . -3_ lgis[o shf{sf] k|ltzt 36fpg' kg]{ . -ª_ ;j{;fwf/0fsf] lgIf]ksf] c+z a9fO{ lgIf]k nfut sd

ug'{ kg]{ . -r_ bIf sd{rf/Lx? knfog x'gaf6 /f]Sg' . -5_ g]kfn /fi6« a}+sn] tf]s]sf] ;dodf r'Qmf k'FhL k'¥ofpg' .

-@_ jfXo r'gf}tLx? M -s_ a}+s tyf ljQLo ;+:yfx?sf] ;+Vofdf ePsf] j[l4n]

l;h{gf u/]sf] k|lt:kwf{ .-v_ l;ldt nufgL If]qdf ePsf] k|lt:kwf{ .-u_ e'sDk tyf gfsfaGbLsf] sf/0f ;du| cy{tGqdf k/]sf]

k|lts'n c;/ .-3_ nufgL d}qL jftfj/0fsf] ;d:of .

&= ;+:yfut ;'zf;g M -s_ ;+:yfut ;'zf;gsf] pNn+3gnfO{ z'Go ;xglzntfsf]

gLltnfO{ lg/Gt/tf lbOb} cfPsf] 5 . a}+ssf] nufgLstf{ z]o/wgLx?, ;j{;fwf/0f lgIf]kstf{x?, sd{rf/L, C0fL nufot ;Da4 ;j} ;/f]sf/jfnfx?sf] lxtsf] ;+/If0fdf ljz]if k|fyldstf lbb} cfPsf] 5 .

-v_ k|rlnt g]kfn sfg"g, g]kfn /fi6« a}+s nufotsf lgodgsf/L lgsfoaf6 hf/L ePsf lgb]{zg kl/kqx? Pj+ a}+ssf] gLlt lgodx?sf] cIf/;M kl/kfngf ub}{ cfPsf] 5 .

-u_ a}+ssf] cg'kfngf ljefu (Compliance Department) / cfGtl/s n]vfk/LIf0f ljefu (Internal Audit) sf] u7g ul/ ;f] dfkm{t ;+:yfut ;'zf;g kl/kfngfsf] k|Tofe'lt tyf ;f]sf] k|efjsfl/tfsf] cg'udg, lg/LIf0f tyf k/LIf0f u/L cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 ul/Psf] 5 .

-3_ ;+rfns ;ldltsf] k|To]s a}7sdf ljutdf ePsf] lg0f{osf] sfof{Gjog / a}+ssf] sf/f]af/sf] cj:yfsf] af/]df a}+s Joj:yfkgaf6 hfgsf/L lnO{ cfjZostf cg';f/ a}+ssf] lxtdf sfo{ ug{ Joj:yfkgnfO{ lgb]{zg lbg] u/]sf] .

*= ljj/0fkqdf k|If]k0f ul/Psf / n]vfk/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s ;DaGwL ljj/0fM

lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)^% sf] lgod @@ sf] pklgod ! ;+u ;DalGwt

cg';"rL—!# adf]lhdsf] jflif{s ljj/0f

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@20

;Dklt bfloTj lx;fj

k"+lh tyf bfloTj k|If]lkt @)&!÷)&@

n]vfk/LIf0f kZrft

@)&!÷)&@

Kfm/s Kfm/s k|ltztdf

sf/0f

!= z]o/ k"FhL 2,000,000,000 3,082,779,256 1,082,779,256 54=14 dh{/ tyf k|f:tfljt af]gz z]o/ nfef+zsf] sf/0f

@= hu]8f tyf tyf sf]ifx? 628,440,449 205,321,902 ”423,118,547 ”67=33 Kf|:tfljt Gfub tyf af]gz z]o/ nfef+zsf] sf/0f

#= C0fkq tyf aG8 ” ” ” 0=00

$= ltg{ afFsL shf{ ;fk6 640,964,638 ” ”640,964,638 ”100=00 Afhf/df cTolws t/ntfsf] sf/0f

% lgIf]k bfloTj 23,609,035,200 26,656,424,746 3,047,389,546 12=91

^= e'QmfgL lbg' kg]{ ljnx? 2,450,950 15,124,232 12,673,282 517=08 u|fxsx?n] r]s lSnol/Ëdf l9nf /fVgfn]

&= k|:tfljt gub nfefFz 10,259,465 10,259,465 100=00 Kf|:tflat Gfub nfef+zsf] sf/0f

*= cfos/ bfloTj ” ” ” 0=00

(= cGo bfloTj 181,966,773 453,676,219 271,709,446 149=32 laleGg lzif{sdf yk bfloTj l;{hgf x"g uPsf]n]

s'n kF"hL tyf bfloTj 27,062,858,010 30,423,585,819 3,360,727,809 12=42

;DklQ

!= gub df}Hbft 754,935,441 567,528,102 ”187,407,339 ”24=82 cfjZos gubsf] dfq Aoj:yfkg

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft

1,888,722,816 1,917,903,172 29,180,356 1=54

#= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

708,271,056 522,043,870 ”186,227,186 ”26=29 cfjZos lalQo Aoj:yfkg

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

472,180,704 245,000,000 ”227,180,704 ”48=11 Afhf/df cTolws t/ntfsf sf/0f dfudf sld ePsf]

%= nufgL 3,074,174,411 3,856,117,989 781,943,578 25=44 yk lasf; C0fkq tyf z]o/df sf/f]jf/df nufgL x"gfn]

^= shf{ ;fk6 tyf ljn vl/b

19,654,916,749 22,534,195,483 2,879,278,734 14=65

&= :yL/ ;DklQ 342,243,529 313,245,580 -28,997,949_ ”8=47

*= u}/ a}lsË ;DklQ ” ” ” 0=00

(= cGo ;DklQ 167,413,304 467,551,624 300,138,320 179=28 lala3 lng'kg]{ lzif{s yk ePsf] sf/0fn]

sn ;DklQ 27,062,858,010 30,423,585,821 3,360,727,811 12=42

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@21

gfkmf gf]S;fg lx;fj

ljj/0f k|If]lkt @)&)÷)&!

n]vf k/LIf0f kZrft @)&)÷)&!

Kfm/s Kfm/s k|ltztdf

sf/0f

!= Aofh cfDbfgL 2,016,896,579 2,192,024,289 175,127,710 8=68

@= Aofh vr{ 1,235,098,882 1,341,274,902 106,176,020 8=60

v'b Aofh cfDbfgL 781,797,697 850,749,387 68,951,690 8=82

#= sldzg tyf l8:sfp06 53,035,595 55,158,066 2,122,471 4=00

$= cGo ;~rfng cfDbfgL 52,030,438 65,577,884 13,547,446 26=04 ;"g, shf{ tyf sf8{ sf/f]jf/x?sf] cfDbfgL k|If]lkt eGbf al9 ePsf] sf/0f

% ;6xL 36j9 cfDbfgL 36,562,296 72,233,137 35,670,841 97=56 8]/Le]l6esf] sf/f]jf/af6 cg'dfg u/] eGbf al9 cfDbfgL ePsf] sf/0fn]

s"n ;~rfng cfDbfgL 923,426,026 1,043,718,474 120,292,448 13=03

^= sd{rf/L vr{ 173,590,567 207,933,129 34,342,562 19=78

&= cGo ;~rfng vr{ 269,117,594 260,350,366 -8,767,228_ ”3=26

*= ;6xL 36j9 gf]S;fg ” ” ” 0=00

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf

480,717,865 575,434,979 94,717,114 19=70

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

34,831,229 385,043,812 350,212,583 1005=46 s]lx shf{sf] sf/f]jf/ ;Gtf]if hgs g/x]sf] sf/0f a}+s yk ;'/lIft x'gsf] nfuL

;~rfng d'gfkmf 445,886,636 190,391,167 -255,495,469_ ”57=30

!)= u}/ ;~rfng cfDbfgL÷vr{

” 1,722,584 1,722,584 0=00

!!= ;Defljt gf]S;fgL Aoa:yf af6 lkmtf{

” 174,856,391 174,856,391 100=00 qm[0f c;'nLaf6 k'/fgf]

gf]S;fgL Joj:yfaf6 lkmtf{

lgoldt sf/f]jf/jf6 ePsf] d'gfkmf

445,886,636 366,970,143 -78,916,493_ ”17=70

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

” ”4,657,410 ”4,657,410 ”100 e"sDksf] sf/0f Ifltu|:t lnhxf]N8 ;DklQ ckn]vg ul/Psf]

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

445,886,636 362,312,733 -83,573,903_ ”18=74

!#= sd{rf/L af]g; Aoa:yf 44,588,664 32,937,521 -11,651,143_ ”26=13 ;Grfng cfDbfgL sd x"gfn]

!$ cfos/ Joj:yf 120,389,392 99,354,895 -21,034,497_ ”17=47

v'b gfkmf÷gf]S;fg 280,908,580 230,020,317 -50,888,263_ ”18=12

l;le

n a

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jflif{s k

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g @)

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@22

l;le

n a

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jflif{s k

|ltj]b

g @)

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@22

l;le

n a

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jflif{s k

|ltj]b

g @)

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@22

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@23

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@23

O{= O{R5f /fh tfdf·cWoIf

>L cDaL/ jf]u6L;+rfns, ;+:yfks ;d'x

>L k|sfz tfon;+rfns, ;+:yfks ;d'x

>L ljgf]b nfn >]i7;+rfns, ;+:yfks ;d'x

>L ldqnfn >]i7 ;+rfns, ;j{;fwf/0f ;d'x

>L ;+ud s]=;L= ;+rfns, ;j{;fwf/0f ;d'x

>LdtL l/tf >]i7 ;+rfns, ;+:yfks ;d'x

k|f= 8f= /d]z bfxfn ljz]if1 ;+rfns

>L 3g]Gb| axfb'/ >]i7;+rfns, ;j{;fwf/0f ;d'x

l8NnL/fd >]i7sDkgL ;lrj

l;le

n a

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jflif{s k

|ltj]b

g @)

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@24

l;le

n a

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jflif{s k

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g @)

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@24

uf]ljGb u'?·jl/i7 sfo{sf/L clws[t

lszf]/ dxh{gk|d'v sfo{sf/L clws[t

;a]{Gb| ld>k|d'v–;+rfng clws[t

;'dg cfrfo{k|d'v–hf]lvd Joj:yfkg ljefu

k|l;4 /fh cof{nk|d'v–skf]{/]6 q]ml86 ljefu

;'/h laqmd zfxLk|d'v–dfs]{l6Ë÷k|df]zg tyf klAnl;6L ljefu

d0fL yfkf zfxk|d'v–sDKnfoG; ljefu

lbj; sfsL{k|d'v–O{ a}+lsË ljefu

l8NnL/fd >]i7k|d'v–sfg'g tyf z]o/ ljefu÷sDkgL ;lrj

o'j/fh u'/fufO{k|d'v–dfOqmf] a}+lsË

clehLt >]i7k|d'v–dfgj ;+;fwg ljefu

Joj:yfkg ;d'x

ef]nf axfb'/ lji6k|d'v–lahg]; a}+lsË ljefu

;fu/ kf}8\ofnk|d'v–;'rgf k|ljlw ljefu

uf]a4{g clwsf/Lk|d'v–sGHo"d/ a}+lsË÷zfvf ;+rfng ljefu

ljgo l/hfnk|d'v–shf{ k|zf;g ljefu

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@25

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@25

lg/fsf/ axfb'/ l;+xk|d'v–cfGtl/s n]vf k/LIf0f ljefu

;lrg g]jfk|d'v–ljQ ljefu

cgLhf t'nfw/k|d'v–cGt/f{li6«o a}+lsË ljefu

ls/0f kf08]k|d'v–;fdfGo k|zf;g ljefu

kljq dfg >]i7k|d'v–n]vf ljefu

?ks If]qLk|d'v–shf{ cg'udg tyf tfs]tf ljefu

;'bLk >]i7k|d'v–l/;r{ P08 8]enKd]G6 ljefu

zfvf k|d'v -sf7df8f}+ pkTosf leq_

afns[i0f >]i7d'Vo zfvf

pd]z l;6f}nf uf]+ua'

k|]/0ff nIdL sdf{rfo{lstL{k'/

lgd{nf s“8]ns'n]Zj/

clgn b]j kf08]:joDe'

;'lbk s'df/ nfld5fg]skg

ljgo /Tg zfSohfjnfv]n

b'uf{ /fh kf08]oGo"/f]8

wa"k k|;fO{afg]Zj/

zld{nf dxh{gkf6g

zld{nf lai6cgfdgu/

o'un /fh cof{naf}4

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@26

ls/0f v8\sf jL/u~h

/d]z k|;fb kf}8]ngf/fo0fu9

;fhg >]i7wgu9L

;'lht ef/Lwflbªa];L

;~ho l;Ub]nufO{3f6

df]xg kf]v|]n;Nofg

;'gL/h+u zfx?s'd

ljho u'?ªcf]vn9'Ëf

d's]z k|= ho;jfnw'lnv]n

k|gLn k5\fO+{t'N;Lk'/

;lrGb| xl/ ;'j]bLkfj{tLk'/

lbn axfb'/ u'?ªv'/v'/]

lasf; sf]O/fnfO6x/L

nf]s]Gb| cf= lnDa'lkmlbd

dbg ltDl;gflah'jf/

/]Zdf tf}hn]ag]kf

cd[t b'jfnafx|la;]

ls/0f s'df/ rf}xfgcf?3f6

/fd k|;fb v/fn6fF8L

nId0f /f]sfx]6f}8f

/lag 9sfnl;Gw'nL

;'dg zdf{a'6jn

OGb| a= tfdfªljtf{df]8

lah]z cof{nd]nDrL

l/lzs]z bQfhgsk'/

gf/fo0f cu|jfn lj/f6gu/

s}nfz uf}tdkf]v/f

lIFlth ljqmd zfxe}/xjf

a;Gt /fh kGtg]kfnu~h

xl/s[i0f clwsf/Ln]vgfy gu/kflnsf

zfvf k|d'v -pkTosf jflx/_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@27

l;le

n a

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jflif{s k

|ltj]b

g @)

&!÷)&

@28

jf;nft-@)&@ ;fn cfiff9 d;fGt_

k"FhL tyf bfloTj cg';"rL o; jif{ ?= ut jif{ ?=

!= z]o/ k"FhL $=! 3,08,27,79,256 2,88,78,49,420

@= hu]8f tyf sf]ifx¿ $=@ 20,53,21,902 18,04,90,886 #= C0fkq tyf a08 $=# ” ” $= ltg{ afFsL shf{ ;fk6 $=$ ” ” %= lgIf]k bfloTj $=% 26,65,64,24,746 22,04,92,95,212 ^= e'QmfgL lbg'kg]{ lanx¿ $=^ 1,51,24,232 1,40,86,228 &= k|:tfljt gub nfef+z – 1,02,59,465 4,04,83,870 *= cfos/ bfloTj – ” ” (= cGo bfloTj $=& 45,36,76,219 26,18,70,287 s'n k"FhL tyf bfloTj 30,42,35,85,820 25,43,40,75,903 ;DklQ cg';"rL o; jif{ ?= ut jif{ ?=

!= gub df}Hbft $=* 56,75,28,102 49,87,79,317 @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( 1,91,79,03,172 3,45,02,20,215 #= a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $=!) 52,20,43,870 38,80,18,795 $= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd $=!! 24,50,00,000 ” %= nufgL $=!@ 3,85,61,17,989 1,53,47,89,603

^= shf{ ;fk6 tyf lan vl/b $=!# 22,53,41,95,483 18,65,71,90,930 &= l:y/ ;DklQ $=!$ 31,32,45,580 36,03,59,444 *= u}/ a}+lsË ;DklQ $=!% ” ” (= cGo ;DklQ $=!^ 46,75,51,624 54,47,17,599 s'n ;DklQ 30,42,35,85,820 25,43,40,75,903;+efljt bfloTj cg';"rL $=!&

;+rfnsx¿sf] 3f]if0ff cg';"rL $=@(

k"FhLsf]ifsf] tflnsf cg';"rL $=#)-s_

hf]lvd efl/t ;DklQ ljj/0f tlnsf cg";'rL $=#)-v–ª_

k|d'v ;'rsfÍx¿ cg';"rL $=#!

k|d'v n]vf gLltx¿ cg';"rL $=#@

n]vf;DaGwL l6Kk0fLx¿ cg';"rL $=##

;+:yfksx¿nfO{ uPsf]] shf{ ;fk6 ljj/0f cg';"rL $=#$

ckl/is[t / n]vf kl/If0f ePsf] laQLo– glthfsf] t'ngfTds laj/0f

cg';"rL $=#%

$=! b]lv $=!& ;Ddsf cg';'rLx¿ jf;nftsf cleGg c+u x'g\ .

kljq dfg >]i7n]vf k|d'v

;+ud s] ;L;+rfns

;lrg g]jflaQ ljefu k|d'v

ldq nfn >]i7;+rfns

;a{]Gb| ld>k|d'v ;+rfng clws[t

3g]Gb| a= >]i7;+rfns

k|sfz tfon;+rfns


uf]ljGb u'?Ëal/i7 sfo{sf/L clws[t

k|f= 8f= /d]z bfxfn;+rfns

cDaL/ af]u6L;+rfns

cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/l;= P= /GhLj >]i7

;fem]bf/lh= kL= /fhafxs P08 sDkgL

rf6{8{ PsfpG6]06\;\

/Ltf >]i7;+rfns

ljgf]b nfn >]i7;+rfns

O{+= OR5f /fh tfdfËcWoIf

ldltM @)&@÷)*÷@& :yfgM sf7df08f}+

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@29

gfkmf–gf]S;fg lx;fa-ldlt @)&! ;fpg ! b]lv @)&@ cfiff9 #! ut];Dd_

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

!= Jofh cfDbfgL $=!* 2,19,20,24,289 1,86,83,68,832

@= Jofh vr{ $=!( 1,34,12,74,902 1,25,55,92,609

v'b Aofh cfDbfgL 85,07,49,387 61,27,76,223

#= sldzg tyf l8:sfp06 $=@) 5,51,58,066 6,33,88,741

$= cGo ;~rfng cfDbfgL $=@! 6,55,77,884 5,52,30,413

%= ;6xL 36j9 cfDbfgL $=@@ 7,22,33,137 5,85,11,916

s'n ;~rfng cfDbfgL 1,04,37,18,474 78,99,07,292

^= sd{rf/L vr{ $=@# 20,79,33,129 15,72,51,332

&= cGo ;~rfng vr{ $=@$ 26,03,50,366 21,10,77,474

*= ;6xL 36j9 gf]S;fg $=@@ ” ”

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 57,54,34,979 42,15,78,487

(= ;Defljt gf]S;fgL Joj:yfx¿ $=@% 38,50,43,812 27,99,65,038

;~rfng d'gfkmf 19,03,91,167 14,16,13,449

!)= u}/ ;~rfng cfDbfgL -vr{_ $=@^ 17,22,584 ”

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& 17,48,56,391 23,24,53,677

lgoldt sf/f]jf/af6 ePsf] d'gfkmf 36,69,70,142 37,40,67,126

!@= c;fdfGo sf/f]jf/x¿af6 ePsf] cfDbfgL -vr{_ $=@* -46,57,410_ -6,00,000_

;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 36,23,12,732 37,34,67,126

!#= sd{rf/L af]g; Joj:yf 3,29,37,521 3,39,51,557

!$= cfos/ Joj:yf 9,93,54,895 10,14,16,312

-s_ o; jif{sf] s/ Joj:yf 9,90,25,222 10,04,30,269

-v_ ljUft jif{ ;Ddsf] s/ Joj:yf ” ”

-u_ o; jif{sf] :yug s/ cfDbfgL -vr{_ 3,29,673 9,86,043

v'b d'gfkmf -gf]S;fg_ 23,00,20,316 23,80,99,257

$=!* b]lv $=@* ;Ddsf cg';"rLx¿ gfkmf–gf]S;fg lx;fasf cleGg c+u x'g\ .


;+ud s] ;L;+rfns


ldq nfn >]i7;+rfns



k|sfz tfon;+rfns




cDaL/ af]u6L;+rfns



rf6{8{ PsfpG6]06\;\

/Ltf >]i7;+rfns




l;le

n a

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jflif{s k

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g @)

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gfkmf–gf]S;fg af“8kmf“8 lx;fa-ldlt @)&! ;fpg ! b]lv @)&@ cfiff9 #! ut];Dd_

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

!= ut jif{;Ddsf] ;+lrt d'gfkmf 3,95,80,259 2,13,575 @= o; jif{sf] d'gfkmf 23,00,20,316 23,80,99,257 #= ;fljssf] PlS;; 8]enkd]G6 a}+ssf] 3f6f ” -9,37,29,372_$= ;fljssf] l;len dr]{G6 ljQLo ;+:yfsf] 3f6f ” -4,71,04,120_%= ;6xL 36a9 sf]if ” ” ^= k"FhLut hu]8faf6 :yfgfGt/0f ” 18,89,24,728 &= cfos/ bfloTj ;dfof]hg ” 3,21,23,288 hDdf 26,96,00,575 31,85,27,357 vr{ ” != ut jif{;Ddsf] ;+lrt gf]S;fg ” ” @= o; jif{sf] gf]S;fg ” ” #= ;fwf/0f hu]8f sf]if 4,60,04,064 4,76,19,852 $= e}k/L cfpg] hu]8f sf]if ” ”

%= ;+:yf ljsf; sf]if ” ” ^= nfef+z ;dLs/0f sf]if ” ” &= sd{rf/L ;DaGwL hu]8fx¿ ” ” *= k|:tfljt gub nfef+z 1,02,59,465 4,04,83,870

(= k|:tfljt af]g; z]o/ 19,49,29,836 18,89,24,728 !)= ljz]if hu]8f sf]if ” ”

!!= ;6xL 36a9 sf]if 28,71,602 18,38,647 !@= k"FhL lkmtf{ hu]8f sf]if ” ” !#= k"FhL ;dfof]hg sf]if 74,67,164 ” !$= :yug s/ hu]8f ” ” !%= nufgL ;dfof]hg sf]if 39,20,000 80,000 hDdf 26,54,52,131 27,89,47,097 !^=;l~rt d'gfkmf÷-gf]S;fg_ 41,48,444 3,95,80,259


;+ud s] ;L;+rfns


ldq nfn >]i7;+rfns



k|sfz tfon;+rfns




cDaL/ af]u6L;+rfns



rf6{8{ PsfpG6]06\;\

/Ltf >]i7;+rfns




l;le

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k|ltj]bg @)&!÷

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f] kl/

jt{g

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jj/0

f-c

fly{s j

if{ @)

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ljj/

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k"FhL

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gfkmf÷

gf

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f/0f

hu]8

f sf]if

k"FhLu

t hu]8

f sf]if

k"FhLu

t ;dfo

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sf]if

k|:tf

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z]o/

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lk|ld

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f

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s'n /

sd

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bft

2,88,78,4

9,420

7

4,56,97

1 13

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2 3

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”

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10

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2 6

4,04,745

”

15,80,00

0 3

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0

cfo

s/

bfloTj

;dfo

f]hg

”

3,21,23

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”

”

”

”

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”

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3,21,23

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:yug

s/

”

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;dfo

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2,88,78,4

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3

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9 13

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2 3

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”

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10

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2 6

4,04,745

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15,80,00

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8

of] j

if{sf] v'b

d'gf

kmf

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23,00

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6 ”

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2

3,00

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_4,60,04

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”

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k"FhL ;dfo

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sf]if

”

-74

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4_

”

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74,67,16

4

”

”

”

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nufg

L ;dfo

f]hg

sf]if

”

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0_ ”

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9,20

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k|:tflj

t g

ub

nfe

f+z ”

-1,02

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_ ”

”

”

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”

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-1,02

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_

k|:tflj

t a

f]g; z

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-19

,49,29

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_ ”

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19

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”

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;6x

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9 sf]if

”

-28

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2_ ”

”

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2

8,71,60

2 ”

”

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x|f; ;

dfo

f]hg

”

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k|:tflj

t a

f]g; z

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lgifs

fzg

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xs k

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:yug

s/d

f /s

dfGt

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”

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r'Qmf

k"FhL

”

”

”

”

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k"j{ ;

~rfn

g cfDbfgL

”

”

”

”

”

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clGt

d d

f}Hbft

2,88,78,4

9,420

41,48,4

44

17,75,51

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3,01

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74,67,16

419

,49,29

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10

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2 92

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7 ”

5

5,00

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3,28

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l;le

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jflif{s k

|ltj]b

g @)

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@32

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

-s_ sf/f]af/ ;+rfngaf6 gub k|jfx 45,25,40,840 35,11,58,768 != gub k|flKt 2,37,48,94,904 2,03,83,07,750 !=! Jofh cfDbfgL 2,19,18,61,572 1,86,74,09,414 !=@ sldzg tyf l8isfpG6 cfDbfgL 5,51,58,066 6,33,88,741 !=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 6,07,46,734 5,11,57,332 !=$ ckn]lvt shf{sf] c;'nL ” ” !=% cGo cfDbfgL 6,71,28,532 5,63,52,263 @= gub e'QmfgL -1,92,23,54,064_ -1,68,71,48,981_@=! Jofh vr{ -1,35,77,41,338_ -1,23,73,85,449_@=@ sd{rf/L vr{ -23,54,90,222_ -16,91,45,923_@=# sfof{no ;~rfng vr{ -19,52,54,436_ -16,20,08,695_@=$ cfos/ e'QmfgL -13,38,68,068_ -11,80,08,914_@=% cGo vr{x¿ ” -6,00,000_sfo{ut k"FhL -Working Capital_ ultljlw cl3sf] gub k|jfx -1,73,92,56,058_ 24,76,29,784 ;~rfng ;DaGwL rfn' ;DklQdf sdL÷-j[l4_ -6,54,84,59,079_ -6,18,23,24,134_!= dfu tyf cNk;'rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ -24,50,00,000_ 18,49,57,142 @= cGo cNksfnLg nufgLdf sdL÷-j[l4_ -2,32,13,28,385_ 54,09,55,714 #= shf{ tyf ljN; vl/bdf sdL÷-j[l4_ -4,08,92,91,974_ -6,55,45,27,097_$= cGo ;DklQdf sdL÷-j[l4_ 10,71,61,280 -35,37,09,893_;~rfng ;DaGwL rfn' bfloTjdf -sdL_÷j[l4 4,80,92,03,021 6,42,99,53,918 != lgIf]k bfloTjdf -sdL_÷j[l4 4,60,71,29,534 6,41,61,38,951 @= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 ” ” #= cNksfnLg ;fk6Ldf -sdL_÷j[l4 10,38,004 -31,68,06,651_$= cGo bfloTjdf -sdL_÷j[l4 20,10,35,482 33,06,21,619 -v_ nufgL sf/f]jf/df gub k|jfx -1,77,86,954_ -14,08,84,742_!= bL3{sfnLg nufgLdf sdL÷-j[l4_ ” -62,51,000_@= :yL/ ;DklQdf sdL÷-j[l4_ -1,79,57,954_ -1,34,63,37,42_#= bL3{sfnLg nufgLdf Jofh cfDbfgL ” ” $= nfef+z cfDbfgL 1,71,000 ” %= cGo ” ” -u_ ljQLo ;|f]t sf/f]af/af6 gub k|jfx -3,65,27,415_ 68,54,40,951 != bL3{sfnLg C0f -jG8, l8j]Gr/ cflb_ df j[l4÷-sdL_ ” ” @= z]o/ k"FhLdf j[l4÷-sdL_ ” 88,78,49,420 #= cGo bfloTjdf j[l4÷-sdL_ -3,65,27,415_ -20,24,08,469_$= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df j[l4÷-sdL_ ” ” -3_ gub tyf a+}s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ 1,14,86,403 73,54,584 -ª_ o; jif{sf] ;Dk'0f{ ultljlwaf6 gub k|jfx -s+v+u+3_ -1,32,95,43,183_ 1,15,06,99,343 -r_ gub tyf a}+sdf /x]sf] z'¿ df}Hbft 4,33,70,18,327 3,18,63,18,983 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 3,00,74,75,144 4,33,70,18,327

gub k|jfx ljj/0f-ldlt @)&! ;fpg ! b]lv @)&@ cfiff9 #! ut];Dd_


;+ud s] ;L;+rfns


ldq nfn >]i7;+rfns



k|sfz tfon;+rfns




cDaL/ af]u6L;+rfns



rf6{8{ PsfpG6]06\;\

/Ltf >]i7;+rfns




l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@33

cg'';"rL $=!

z]o/ :jfldTj ljj/0f o; jif{ ?= ut jif{ ?=

k|ltzt z]o/ k"FhL z]o/ k"FhL k|ltzt

!= :jb]zL :jfldTj 100∞ 2,88,78,49,420 2,69,89,24,692 100∞

!=! g]kfn ;/sf/ ” ” ” ” !=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ ” ” ” ” !=# cGo Ohfhtkq k|fKt ;+:yfx¿ ” ” ” ” !=$ cGo ;+:yfx¿ 8=44∞ 24,37,34,491 14,22,33,331 5=27∞!=% ;j{;fwf/0f 91=56∞ 2,64,41,14,929 2,55,66,91,361 94=73∞!=^ cGo ” ” ” ” @= j}b]lzs :jfldTj ” ” ” ”

hDdf 100∞ 2,88,78,49,420 2,69,89,24,692 100∞

ljj/0f o; jif{ ?= ut jif{ ?=!= z]o/ k"FhL!=! clws[t k"FhL 10,00,00,00,000 10,00,00,00,000

s_ !),)),)),))) ;fwf/0f z]o/ k|ltz]o/ ?= !)) n] 10,00,00,00,000 10,00,00,00,000

v_ =========== gg\l/l8d]jn lk|km/]G; z]o/ k|ltz]o/ ?= ======== n] ” ”

u_ =========== l/l8d]jn lk|km/]G; z]o/ k|ltz]o/ ?= ========== n] ” ”

!=@ hf/L k"FhL 2,88,78,49,420 2,69,89,24,692

s_ 28,878,494=20 ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 2,88,78,49,420 2,69,89,24,692

v_ ============ gg\l/l8d]jn lk|km/]G; z]o/ k|ltz]o/ ?= ===== n] ” ”

u_ =========== l/l8d]jn lk|km/]G; z]o/ k|ltz]o/ ?= ==== n] ” ”

!=# r'Qmf k"FhL 2,88,78,49,420 2,69,89,24,692

s_ 28,878,494=20 ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 2,88,78,49,420 2,69,89,24,692

v_ =========== k|:tfljt af]g; z]o/ k|ltz]o/ ?= ======== n] ” ”

u_ =========== gg\l/l8d]jn lk|km/]G; z]o/ k|ltz]o/ ?= ===== n] ” ”

3_ =========== l/l8d]jn lk|km/]G; z]o/ k|ltz]o/ ?= ==== n] ” ”

!=$ k|:tfljt af]g; z]o/ 19,49,29,836 18,89,24,728

!=% sN; Og P8\efG; ” ”

!=^ hDdf /sd -!=#±!=$±!=%_ 3,08,27,79,256 2,88,78,49,420

z]o/ k"“hL tyf :jfldTj-@)&@ ;fn cfiff9 d;fGt_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@34

dfly cg';"rLdf plNnlvt ljj/0fcGtu{t )=% k|ltzt jf ;f]eGbf a9L z]o/ :jfldTj ePsf z]o/ wgLsf] ljj/0f

qm=;+= z]o/ wgLsf] gfd o; jif{sf] ut jif{sf]z]o/ ;+Vof k|ltzt z]o/ /sd z]o/ ;+Vof k|ltzt z]o/ /sd z]o/wgL

1 O{= OR5f /fh tfdfË 18,19,029 6=30 18,19,02,889 17,00,027 6=30 17,00,02,700 ;+:yfks z]o/wgL

2 ;[hgf zfSo 13,34,694 4=62 13,34,69,446 12,47,378 4=62 124,737,800 ;+:yfks z]o/wgL

3 lab'/ wdnf 8,87,565 3=07 8,87,56,500 8,29,500 3=07 82,950,000 ;+:yfks z]o/wgL

4 /fh' >]i7 4,28,000 1=48 4,28,00,000 4,00,000 1=48 40,000,000 ;+:yfks z]o/wgL

5 ldgf dxh{g 3,98,040 1=38 3,98,04,000 3,72,000 1=38 37,200,000 ;+:yfks z]o/wgL

6 cld/ /Tg 8+uf]n 3,21,000 1=11 3,21,00,000 3,00,000 1=11 30,000,000 ;+:yfks z]o/wgL

7 lq/Tg dx{hg 3,21,000 1=11 3,21,00,000 3,00,000 1=11 30,000,000 ;+:yfks z]o/wgL

8 ho dxfzlQm 6«]8 OGe]i6d]G6 P08 ;Knfo;{ k|f= ln

3,04,228 1=05 3,04,22,770 2,84,325 1=05 28,432,495 ;+:yfks z]o/wgL

9 lxdfnog laqmd dNn 7s'/L 2,47,462 0=86 2,47,46,158 2,31,273 0=86 23,127,250 ;+:yfks z]o/wgL

10 s]zanfn >]i7 2,45,533 0=85 2,45,53,290 2,29,470 0=85 22,947,000 ;+:yfks z]o/wgL

11 k|sfz tfon 2,40,750 0=83 2,40,75,000 2,25,000 0=83 22,500,000 ;+:yfks z]o/wgL

12 hf]unfn nfdf 2,28,231 0=79 2,28,23,100 2,13,300 0=79 21,330,000 ;+:yfks z]o/wgL

13 ;'/]Gb| s'df/ >]i7 2,24,165 0=78 2,24,16,500 2,09,500 0=78 20,950,000 ;+:yfks z]o/wgL

14 axfb'/ tfdfË 2,14,791 0=74 2,14,79,073 2,00,739 0=74 20,073,900 ;+:yfks z]o/wgL

15 afa' sflh >]i7 1,89,390 0=66 1,89,39,000 1,77,000 0=66 17,700,000 ;+:yfks z]o/wgL

16 k|]d Wjh nfdf 1,77,513 0=61 1,77,51,300 1,65,900 0=61 16,590,000 ;+:yfks z]o/wgL

17 k|ef led;/Lof uf]oGsf 1,60,500 0=56 1,60,50,000 1,50,000 0=56 15,000,000 ;+:yfks z]o/wgL

18 nj s'df/ yfkf 1,59,762 0=55 1,59,76,170 1,49,310 0=55 14,931,000 ;+:yfks z]o/wgL

19 lu/]Gb| dfg l;+x >]i7 1,55,685 0=54 1,55,68,500 1,45,500 0=54 14,550,000 ;+:yfks z]o/wgL

20 gf/fo0f s'df/ >]i7 1,55,150 0=54 1,55,15,000 1,45,000 0=54 14,500,000 ;+:yfks z]o/wgL

21 lgnd ;f+3fO{ 1,49,800 0=52 1,49,80,000 1,40,000 0=52 14,000,000 ;+:yfks z]o/wgL

22 s}nfz kltGb| cdfTo 1,47,928 0=51 1,47,92,750 1,38,250 0=51 13,825,000 ;+:yfks z]o/wgL

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@35

C0fkq tyf a08-@)&@ ;fn cfiff9 d;fGt_

ltg{ af“sL shf{ -;fk6L_ -@)&@ ;fn cfiff9 d;fGt_

cg'';"rL $=#

cg'';"rL $=$


!= ;fwf/0f÷a}wflgs hu]8f sf]if 17,75,51,256 13,15,47,192 @= k"FhLut hu]8f sf]if 13,78,691 13,78,691 @=! z]o/ lk|ldod 10,77,222 10,77,222 @=@ k"FhLut hu]8f 3,01,469 3,01,469 #= k"FhL lkmtf{ hu]8f sf]if ” ” $= k"FhL ;dfof]hg sf]if 74,67,164 ” %= cGo hu]8f tyf sf]if 55,00,000 15,80,000 %=! e}k/L cfpg] hu]8f ” ” %=@ ;+:yf ljsf; sf]if ” ” %=# nfef+z ;dLs/0f sf]if ” ” %=$ ljz]if hu]8f sf]if ” ” %=% ;DklQ k'g{d"NofÍg sf]if ” ” %=^ :yug s/ hu]+8f ” ” %=& cGo :jtGq sf]if ” ” %=* nufgL ;dfof]hg sf]if 55,00,000 15,80,000 %=( cGo hu]8f sf]if ” ” ^= ;l~rt gfkmf÷gf]S;fg 41,48,444 3,95,80,259 &= ;6xL 36a9 sf]if 92,76,347 64,04,745 hDdf 20,53,21,902 18,04,90,886


!====== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ===== ¿= n] === ldlt ============== df hf/L ePsf] / ldlt ========df r'Qmf x'g] -xfn;Ddsf] l/8]D;g l/he{ /sd ¿= =========================_

- -

@====== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ===== ¿= n] === ldlt ============== df hf/L ePsf] / ldlt ========df r'Qmf x'g] -xfn;Ddsf] l/8]D;g l/he{ /sd ¿= =====================_+

- -

#============= - -

$= hDdf -!±@±#_ - -

ljj/0f o; jif{ ?= ut jif{ ?=s= :jb]zL!= g]kfn ;/sf/ ” ” @= g]kfn /fi6« a}+s ” ” #= l/kf] bfloTj ” ” $= cGt/ a}+s tyf ljQLo ;+:yf ” ” %= cGo ;+ul7t ;+:yfx¿ ” ” ^= cGo ” ” hDdf ” ” v= ljb]zL!= a}+sx¿ ” ” @= cGo ” ” hDdf ” ” v= hDdf -s±v_ ” ”

cg'';"rL $=@

hu]8f tyf sf]ifx¿-@)&@ ;fn cfiff9 d;fGt_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@36


!= Jofh ltg'{ gkg]{ vftfx¿

s= rNtL lx;fa 84,87,95,466 52,06,33,742

!= :jb]zL d'b|fdf 81,26,60,213 51,31,38,873

!=! g]kfn ;/sf/ 92,98,740 90,00,774

!=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ 6,22,637 2,32,903

!=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ 2,80,45,505 3,49,35,042

!=$ cGo ;+ul7t ;+:yfx¿ 53,25,37,781 43,25,39,775

!=% JolQmut 5,82,33,627 2,38,94,523

!=^ cGo 18,39,21,924 1,25,35,856

@= ljb]zL d'b|fdf 3,61,35,253 74,94,870

@=! g]kfn ;/sf/ ” ”

@=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ ” 9,630

@=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ ” 9,630

@=$ cGo ;+ul7t ;+:yfx¿ 3,61,13,917 74,65,980

@=% JolQmut 21,336 9,630

@=^ cGo ” ”

v= dflh{g 24,51,01,503 21,99,71,959

!= sd{rf/L hdfgt ” ”

@= hdfgt dflh{g 13,72,680 10,20,56,299

#= k|tLtkq dflh{g 23,57,83,123 10,85,65,040

$= cGo 79,45,700 93,50,620

u= cGo 1,90,98,534 2,76,63,972

!= :jb]zL d'b|fdf 1,90,98,534 2,76,63,972

!=! ljQLo ;+:yfx¿ 23,768 5,00,000

!=@ cGo ;+ul7t ;+:yfx¿ 18,061 1,45,05,040

!=# JolQmut 1,90,56,704 1,26,58,932

@= ljb]zL d'b|fdf ” ”

@=! ljQLo ;+:yfx¿ ” ”

@=@ cGo ;+ul7t ;+:yfx¿ ” ”

@=# JolQmut ” ”

Jofh ltg'{ gkg]{ vftfx¿sf] hDdf -s±v±u_ 1,11,29,95,502 76,82,69,673

cg'';"rL $=%

lgIf]k lx;fa-@)&@ ;fn cfiff9 d;fGt_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@37


@= Aofh ltg'{ kg]{ vftfx¿

s_ art lx;fa 3,92,52,02,096 3,63,45,48,647

!= :jb]zL d'b|fdf 3,90,23,32,960 3,62,15,98,396

!=! ;+3 ;+:yfx¿ 3,01,20,004 ”

!=@ JolQmut 3,86,80,67,994 3,62,15,98,396

!=# cGo 41,44,962 ”

@= ljb]zL d'b|fdf 2,28,69,136 1,29,50,251

@=! ;+3 ;+:yfx¿ ” ”

@=@ JolQmut 2,28,69,136 1,29,50,251

@=# cGo ” ”

v_ d'2tL lx;fa 14,57,94,44,256 11,30,17,35,048

!= :jb]zL d'b|fdf 14,47,78,44,256 1,09,011,27,048

!=! ;+3 ;+:yfx¿ 8,15,84,54,382 7,85,79,85,682

!=@ JolQmut 3,59,82,37,875 3,04,31,41,366

!=# cGo 2,72,11,52,000 ”

@= ljb]zL d'b|fdf 10,16,00,000 40,06,08,000

@=! ;+3 ;+:yfx¿ 10,16,00,000 40,06,08,000

@=@ JolQmut ” ”

@=# cGo ” ”

u_ dfu]sf avt ltg'{kg]{ lx;fa 7,03,87,82,891 6,34,47,41,844

!= :jb]zL d'b|fdf 6,65,14,48,025 5,89,96,05,926

!=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ ” ”

!=@ cGo O=k|f= ljQLo ;+:yfx¿ 2,52,87,27,743 4,25,59,51,215

!=# cGo ;+ul7t ;+:yfx¿ 4,00,02,34,122 1,54,36,39,660

!=$ JolQmut 12,24,86,159 10,00,15,052

!=% cGo ” ”

@= ljb]zL d'b|fdf 387,334,866 44,51,35,917

@=! æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ 14,18,89,276 28,25,87,364

@=@ cGo O=k|f= ljQLo ;+:yfx¿ ” 10,248

@=# cGo ;+ul7t ;+:yfx¿ 24,45,13,424 16,16,78,357

@=$ JolQmut 9,32,166 8,59,948

@=% cGo ” ”

3_ ;l6{lkms]6 ckm l8kf]lh6 ” ”

!= ;+ul7t ;+:yfx¿ ” ”

@= JolQmut ” ”

#= cGo ” ”

Aofh ltg'{kg]{ vftfx¿sf] hDdf -s ± v ± u ± 3_ 25,54,34,29,244 21,28,10,25,539

hDdf lgIf]k -!±@_ 26,65,64,24,746 22,04,92,95,212

cg'';"rL $=%

lgIf]k lx;fa s|dzM-@)&@ ;fn cfiff9 d;fGt_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@38


!= :jb]zL d'b|f 14,930,390 13,946,451

@= ljb]zL d'b|f 193,842 139,777

hDdf 15,124,232 14,086,228

ljj/0f o; jif{ ?= ut jif{ ?=!= k]G;g÷pkbfgsf]if 83,64,427 50,47,040 @= sd{rf/L ;~rosf]if ” ” #= sd{rf/L sNof0fsf]if 10,737 10,737 $= sd{rf/L af]g; Joj:yf 3,29,85,138 3,39,51,557 %= lgIf]kdf e'QmfgL lbg afFsL Aofh 18,73,870 1,83,40,306 ^= ;fk6Ldf e'QmfgL lbg afFsL Aofh ” ” &= kfsL g;s]sf] l8isfp06 / sldzg 1,71,59,972 1,32,70,856 *= ;08«L q]ml86;{ 10,66,569 53,03,450 (= zfvf ldnfg lx;fa ” ” !)= :yug s/ bfloTj 63,69,924 60,40,251 !!= e'QmfgL lbg afFsL nfef+z 1,98,30,222 1,58,73,766 !@= cGo 36,60,15,358 16,40,32,324 s_ n]vfk/LIf0f z'Ns÷Joj:yf 3,62,375 3,62,375 v_ e'QmfgL cjwL ;dfKt ePsf] d'2tL lgIf]k -Aofh_ 7,43,03,317 5,59,40,125 u_ IPO bfloTj 3,23,338 4,10,674 3_ NPN bfloTj 11,88,868 1,91,413 ª_ SCT bfloTj 5,44,155 8,27,474 r_ Jofh s/sl§ bfloTj 1,98,16,328 2,28,24,653 5_ cGo s/sl§ bfloTj 94,87,826 63,23,156 h_ w/f}l6 /sd 12,51,482 27,46,143 em_ aljw lx;fa 19,50,148 6,90,356 `_ laljw lx;fa 24,74,208 52,98,228 6_ cGo bfloTj 2,08,00,743 1,63,32,309 7_ ;+lrt ljbf e'QmfgL Aoj:yf 85,50,951 55,21,491 8_ e'QmfgL lbg afFsL k|tLtkq 20,08,69,134 2,35,47,849 9_ POS dr{]G6 bfloTj 69,87,659 38,20,908 0f_ df]jfOn a}+lsË ;dfof]hg lx;fj 9,887 231 t_ cGo ;DklQdf ul/Psf] Aoj:yf 1,70,94,939 1,91,94,939 hDdf 45,36,76,219 26,18,70,287

cg'';"rL $=^

e'QmfgL lbg'kg]{ ljnx¿-@)&@ ;fn cfiff9 d;fGt_

cg'';"rL $=&

cGo bfloTj-@)&@ ;fn cfiff9 d;fGt_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@39


!= :jb]zL d'b|f -l;Ssf ;d]t_ 54,63,88,855 49,30,14,639

@= ljb]zL d'b|f 2,11,39,247 57,64,678

hDdf 56,75,28,102 49,87,79,317

ljj/0f :jb]zL d'b|f ?= df ljb]zL d'b|f o; jif{ ?= ut jif{ ?=

ef=¿= kl/jTo lj=d'= hDdf

!= g]kfn /fi6« a}+s 1,90,44,82,535 ” 1,34,20,637 1,34,20,637 1,91,79,03,172 3,45,02,20,215

s= rNtL vftf 1,90,44,82,535 ” 1,34,20,637 1,34,20,637 1,91,79,03,172 3,45,02,20,215

v= cGo vftf ” ” ” ” ” ”

gf]6M g]kfn /fi6« a}+ssf] ;dy{gkq cg';f/ s'n df}Hbft ? 1,94,77,70,502 /x]sf] 5 . km/s /sdnfO{ lgSof}{n, ;ldIff / Reconcile ul/Psf] 5 .

ljj/0f :jb]zL d'b|f ?= df ljb]zL d'b|f o; jif{ ?= ut jif{ ?=

ef=¿= kl/jTo lj=d'= hDdf

!= :jb]zL Ohfhtkq k|fKt ;+:yfx¿

28,08,92,482 ” 20,15,119 20,15,119 28,29,07,602 21,97,41,019

s= rNtL vftf 28,08,92,482 ” 20,15,119 20,15,119 28,29,07,602 21,97,41,019

v= cGo vftf ” ” ” ” ” ”

@= ljb]zL a}+sx¿ ” 4,56,67,465 19,34,68,802 23,91,36,268 23,91,36,268 16,82,77,776

s=rNtL vftf ” 4,56,67,465 19,34,68,802 23,91,36,268 23,91,36,268 16,82,77,776

v=cGo vftf ” ” ” ” ” ”

hDdf 28,08,92,482 4,56,67,465 19,54,83,921 24,11,51,387 52,20,43,870 38,80,18,795

gf]6M ;DalGwt Ohfhtkq k|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s'n df}Hbft ¿= 5,80,96,310 /x]sf] 5 . km/s /sdnfO{ lgSof]{n, ;ldIff / Reconcile ul/Psf] 5 .

cg'';"rL $=*

gub df}Hbft-@)&@ ;fn cfiff9 d;fGt_

cg'';"rL $=(

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

cg'';"rL $=!)

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft-@)&@ ;fn cfiff9 d;fGt_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@40

ljj/0f k|of]hg o; jif{ ?= ut jif{ ?=Jofkfl/s cGo

!= g]kfn ;/sf/sf] 6«]h/L ljn - 1,79,06,64,389 1,79,06,64,389 69,64,99,923 @= g]kfn ;/sf/ artkq - ” ” ” #= g]kfn ;/sf/sf] cGo C0fkq - 20,00,00,000 20,00,00,000 20,00,00,000 $= g]kfn /fi6« a}+s C0fkq - ” ” ” %= ljb]zL C0fkq - ” ” ” ^= :jb]zL Ohfhtkqk|fKt ;+:yf - ” ” ” &= ljb]zL a}s - 45,72,00,000 45,72,00,000 63,00,36,080 *= ;+ul7t ;+:yfx¿sf] z]o/ - 85,53,600 85,53,600 85,53,600 (= ;+ul7t ;+:yfx¿sf] l8j]Gr/ tyf a08 - ” ” ” !)= cGo nufgL - 1,40,00,00,000 1,40,00,00,000 ” s'n nufgL - 3,85,64,17,989 3,85,64,17,989 1,53,50,89,603 Joj:yf - 3,00,000 3,00,000 3,00,000 v'b nufgL - 3,85,61,17,989 3,85,61,17,989 1,53,47,89,603

ljj/0f o; jif{ ?= ut jif{ ?=!= :jb]zL d'b|fdf 24,50,00,000 ” @= ljb]zL d'b|fdf ” ” hDdf 24,50,00,000 ”

cg'';"rL $=!!

dfu tyf cNk;"rgfdf k|fKt x'g] /sdx¿-@)&@ ;fn cfiff9 d;fGt_

cg'';"rL $=!@

nufgL-@)&@ ;fn cfiff9 d;fGt_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@41

ljj/0f k/n d"No ?=

kl5Nnf] ahf/ d"No

?= -s_

xfnsf] ahf/ d"No

?= -v_

o; jif{ gfkmf÷

-gf]S;fg_ /sd -v–s_

ut jif{ gfkmf÷

-gf]S;fg_ /sd

s}lkmot

!= g]kfn ;/sf/sf] 6«]h/L ljn ” ” ” ” ” ”

@= g]kfn ;/sf/sf] artkq ” ” ” ” ” ”

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

$= g]=/f= a}s C0fkq ” ” ” ” ” ”

%= ljb]zL C0fkq ” ” ” ” ” ”

^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ ” ” ” ” ” ”

&= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf a08 ” ” ” ” ” ”

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 ” ” ” ” ” ”

(= lab]zL a}s nufgL (Placement) ” ” ” ” ” ”

!)= cGt/ a}+s nufgL (Interbank Lending) ” ” ” ” ” ”

!!= cGo nufgL ” ” ” ” ” ”

s'n nufgL ” ” ” ” ” ”

cg'';"rL $=!@-!_

Jofkfl/s nufgL (Held for Trading)-@)&@ ;fn cfiff9 d;fGt_

ljj/0f k/n df]n ?=

ahf/ d"No cg';f/ ?=

Joj:yf /sd ?=

o; jif{ ?=

ut jif{ ?=

!= z]o/ nufgL 85,53,600 ” 3,00,000 82,53,600 82,53,600 !=! g]kfn lSno/LË xfp; -k|f=ln=÷ln=_ @&,%#^ ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf 27,53,600 ” ” 27,53,600 27,53,600 !=@ u|f]df]/ dr]{G6 a}+s/ -k|f=ln=÷ln=_ !%,))) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf 15,00,000 ” ” 15,00,000 15,00,000 !=# h]g/n OG;'/]G; sDkgL -k|f=ln=÷ln=_

3,00,000 ” 3,00,000 ” ” #,))) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf!=$ dlxnf ;xofqf dfOj|mf] kmfOgfG; ljQLo ;+:yf -k|f=ln=÷ln=_

40,00,000 40,00,000 40,00,000 $),))) ;fwf/0f z]o/, k|lt z]o/ !)) n] r'Qmf

@= l8j]Gr/ tyf j08 nufgL 20,00,00,000 ” ” 20,00,00,000 20,00,00,000@=! g]kfn ;/sf/sf] j08 -cGo_ #=@% k|ltzt l8j]Gr/÷j08 k|lt l8j]Gr/÷ a08 !))) ¿= n] @)),))) 20,00,00,000 ” ” 20,00,00,000 20,00,00,000@=@ ================= ” ” ” ” ” @=# ================= ” ” s'n nufgL 20,85,53,600 ” 3,00,000 20,82,53,600 20,82,53,600#= hf]lvd ;DaGwL Joj:yf ” ” 3,00,000 3,00,000 3,00,000 #=! ut jif{ ;Ddsf] Joj:yf ” ” 3,00,000 3,00,000 3,00,000 #=@ o; jif{sf] yk36 ” ” ” ” ” s'n Joj:yf ” ” 3,00,000 3,00,000 3,00,000 v'b nufgL 20,85,53,600 ” 3,00,000 20,82,53,600 20,82,53,600

cg'';"rL $=!@-s_

z]o/, l8a]Gr/ tyf a08df nufgL-@)&@ ;fn cfiff9 d;fGt_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@42

ljj/0f k/n d"No -s_

xfn;Ddsf] Iflt /sd

-v_

of] jif{sf] Iflt /sd

-u_

of] jif{sf] gfkmf÷ -gf]S;fg_ /sd

-s–v–u_

ut jif{sf] gfkmf÷-gf]S;fg_

s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L lan 1,79,06,64,389 ” ” 1,79,06,64,389 69,64,99,923 ”

@= g]kfn ;/sf/sf] art kq ” ” ” ” ” ”

#= g]kfn ;/sf/sf] cGo C0fkq 20,00,00,000 ” ” 20,00,00,000 20,00,00,000 ”

$= g]kfn /fi6« a}+s C0fkq ” ” ” ” ” ”

%= lab]zL C0fkq ” ” ” ” ” ”

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

&= :jb]zL Ohfhtkq k|fKt ;+:yfsf] l8a]Gr/ tyf a08

” ” ” ” ” ”

*= :jb]zL ;+ul7t ;+:yfsf] z]o/ l8a]Gr/ tyf a08

” ” ” ” ” ”

(= lab]zL a}+sdf Placement 45,72,00,000 ” ” 45,72,00,000 63,00,36,080 ”

!)=cGo nufgL 1,40,00,00,000 ” ” 1,40,00,00,000 ” ”

s'n nufgL 3,84,78,64,389 ” ” 3,84,78,64,389 1,52,65,36,003 ”

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

-s_

xfnsf] ahf/

d"No -v_

o; jif{ sf]if ;dfof]hg

/sd -v–s_

ut jif{sf] gfkmf÷

-gf]S;fg_ /sd

s}lkmot

!= g]kfn ;/sf/sf] 6«]h/L ljn - - - - - @= g]kfn ;/sf/sf] art kq - - - - - #= g]kfn ;/sf/sf] cGo C0fkq - - - - - $= g]kfn /fi6« a}s C0f kq - - - - - %= lab]zL C0fkq - - - - - ^= :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ - - - - - &= :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8j]Gr/ tyf a08 - - - - - *= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf a08 85,53,600 - - - - (= lab]zL a}sdf nufgL (Placement) - - - - - !)= cGt/ a}+s nufgL - - - - - !!= cGo nufgL - - - - - s'n nufgL 85,53,600 - - - -

cg'';"rL $=!@-#_

cg'';"rL $=!@-@_

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity)-@)&@ ;fn cfiff9 d;fGt_

laqmLsf] nflu pknAw nufgL (Available for Sale)-@)&@ ;fn cfiff9 d;fGt_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@43

cg'';

"rL $=!#

sh

f{ ;fk

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yf l

an v

l/b

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f / ;

f]sf n

flu Jo

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f lan

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ut j

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Llab]z

LhDd

f:j

b]zL

lab

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hDd

fljkG

g ju

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ljld

tcljld

t

!= ;

lqmo

shf{ ;fk6

(Per

form

ing)

”

1,01

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2

0,69

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9 2

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5

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0 6

3,69

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8,92,97

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2,42,32

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1

8,74,00,88,677

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c;n s

hf{

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99,8

5,45,14

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8,8

6,00

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62

2,74

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19,88,60,78

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5

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0 6

3,69

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7 6

8,92,97

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2

0,57

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1

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!=@

Wat

ch L

ist

1,31,60

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”

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4,78,69,68

1 ”

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@= lgliq

mo s

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(Non

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form

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29,17

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3,94

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74,23,35

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7

4,23,35

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3

3,61

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@=!

k'gtf{ln

sLs

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k'g/;

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”

”

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13,65

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4

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2 ”

4

1,30

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4

1,30

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8

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6

@=#

z+sf:kb

”

9,94,349

9,19,57

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”

9

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”

”

”

9,29,51

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8,29,31

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@=$ v

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5,58,390

2

3,57

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4

”

23,63

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”

”

”

23,63

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16,48,11,17

3

-s_ s'n s

hf{

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1,01

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21,43,42,05

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22,47,62

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6 5

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0 6

3,69

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7 6

8,92,97

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2

3,16

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1

9,07

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80

#= s

hf{ gf

]S;fg

L Jo

j:yf

”

#=!

c;n

”

99,85,451

1

9,12

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2,74,548

20,14

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5,23,450

6

3,69

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6

8,92,97

3 2

0,83,77

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1

9,07

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1

#=@

Wat

ch L

ist

”

2,63,20

4

3,66,94

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”

3

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”

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3

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#=#

k'g/;

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tf{ln

sLs

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”

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#=$ s

d;n

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3,4

1,26

6 1

0,29

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”

1

0,32

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2 ”

”

”

1

0,32

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2 2

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#=%

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4,97,17

5 4

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”

4

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”

”

”

4

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4

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#=^

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”

5,58,390

2

3,57

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4

”

23,63

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”

”

”

23,63

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16,48,11,17

3

-v_ s'n Joj

:yf

”

1,16,45,486

61,25

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3 2

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62,44,91,99

7 5

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6

3,69

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6

8,92,97

3 6

3,13

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4

1,90

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0

$= ut

jif{;

Ddsf] Jo

j:yf

”

$=! c

;n

”

82,43,861

1

7,82,98

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9

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9 1

8,75,24

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1

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0 3

0,36

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31,82,28

8

19,07

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1 1

2,45,91

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$=@ k

'g/;+/r

gf÷k'g

tf{ln

sLs

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”

”

”

”

”

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d;n

”

2,74,657

2

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2 ”

2

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”

”

”

2

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1

5,27

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$=$

z+sf:kb

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1,32,435

4

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”

4

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”

”

”

4

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2

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5,38,522

1

6,42,72

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”

1

6,48,11,17

3 ”

”

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1

6,48,11,17

3 ”

-u_ ut

jif{;

Ddsf] s'n Joj

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91,89,475

4

0,57

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58

9,8

1,32

9 4

1,59

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3 1

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0 3

0,36

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31,82,28

8

41,90

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0 1

5,43,93

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-3_ ut

jif{s

f] Jo

j:yf

af6

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5

2,41,866

1

6,37

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3

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f] yk

Joj

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76,97

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7,05

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3 3

7,83,09

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5

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6

2,11

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6

7,34

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38,50,43,812

2

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8

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jif{s

f] v'b

yk36

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v'b

shf{ -s

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2

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4

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8

21,85,17

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9 5

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0 6

3,05

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2

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jflif{s k

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ljj/0f o; jif{ ?= ut jif{ ?=-s_ ;'/lIft 23,16,55,80,454 19,07,62,88,480 != rn÷crn ;DklQsf] ;'/If0fdf 21,89,23,71,354 18,07,85,13,862 @= :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf 77,03,88,869 76,62,22,162 #= ;/sf/L hdfgtdf ” ” $= cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf ” ” %= lgof{t sfuhft (Export Document) sf] ;'/If0fdf ” 2,60,28,723 ^= d'2tL /l;bsf] ;'/If0fdf 55,63,500 2,52,68,763 -s_;+:yfsf] cfˆg} d'2tL /l;bsf] ;'/If0fdf 55,63,500 2,52,68,763 -v_cGo Ohfhtk|fKt ;+:yfsf] d'2tL /l;bsf] ;'/If0fdf ” ” &= ;/sf/L C0fkqsf] ;'/If0fdf ” ” *= sfp06/ hdfgtdf ” ” (= JolQmut hdfgtdf 1,31,17,814 1,65,27,021 !)= cGo ;'/If0fdf 48,41,38,916 16,37,27,950 -v_ c;'/lIft ” ” hDdf 23,16,55,80,454 19,07,62,88,480

cg'';"rL $=!#-s_

shf{, ;fk6 / laN; vl/bsf] ;'/If0f-@)&@ ;fn cfiff9 d;fGt_

ljj/0f ;DklQ o; jif{ ?= ut jif{ ?=ejg kl/jxg ;fwg d]lzg/L sfof{no

;fdfg cGo

!= k/ndf]n-s_ ut jif{sf] df}Hbft ” 8,83,32,343 4,50,18,682 20,63,99,303 6,41,29,260 40,38,79,589 27,23,19,979 -v_ o; jif{ yk ” 22,99,000 4,65,051 83,98,719 7,09,075 1,18,71,845 13,47,38,401 -u_ o; jif{ k'gd"{NofÍg÷k'gn]{vg ” ” ” ” ” ” ” -3_ o; jif{sf] laqmL ” ” ” -2,72,781_ -9,40,838_ -12,13,619_ -30,16,659_-ª_ o; jif{sf] ckn]vg ” ” ” -47,419_ ” -47,419_ -1,62,133_

s'n k/ndf]n -s±v±u±3±ª_ ” 9,06,31,343 4,54,83,733 214,477,822 6,38,97,497 41,44,90,396 40,38,79,588 @= x|f; s§L

-s_ ut jif{;Ddsf] ” 3,94,49,724 1,20,98,593 7,42,90,281 2,56,50,621 15,14,89,219 7,59,00,996 -v_ o; jif{sf] ” 89,41,530 49,80,112 2,11,78,129 92,85,162 4,43,84,933 7,72,16,310 -u_ x|f;s§L k'gd"{NofÍg÷k'gn{]vg ” ” ” ” ” ” ” -3_ x|f;s§L /sd ;dfof]hg÷lkmtf{

” ” ” -1,63,310_ -9,40,838_ -11,04,148_ -16,28,007_

s'n x|f;s§L -s±v±u±3_ ” 4,83,91,254 1,70,78,704 9,53,05,100 3,39,94,946 19,47,70,004 15,14,89,299

#= a's Eofn" (WDV*) -!–@_ ” 4,22,40,089 2,84,05,029 11,91,72,722 2,99,02,551 21,97,20,392 25,23,90,289

$= hUuf ” ” ” ” ” ” ” %= k"FhLut lgdf{0f -k"FhLs/0f ul/g' kg]{_

” ” ” ” ” ” ”

^= lnh xf]N8 ;DklQ ” ” ” ” 9,35,25,188 9,35,25,188 10,79,69,155

hDdf -#±$±%±^_ ” 4,22,40,089 2,84,05,029 11,91,72,722 12,34,27,740 31,32,45,580 36,03,59,444

cg'';"rL $=!$

l:y/ ;DklQ-@)&@ ;fn cfiff9 d;fGt_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@45

C0fL jf kf6L{sf] gfd 7]ufgf

u}/ a}+lsË ;DklQ ;sf/ u/]sf] ldlt

s'n u}/ a}+lsË ;DklQ /sd ?=

gf]S;fgL Joj:yf v'b u}/ a}lsË ;DklQ ?=

ut jif{ ?=

k|ltzt /sd ?=

s[i0f nfn >]i7 2064”03”29 957,435 100 957,435 ” ”

lbks axfb'/ ld> 2066”03”13 281,495 100 281,495 ” ”

k'gd ljs 2068”03”32 476,844 100 476,844 ” ”

s'n hDdf ” 1,715,774 ” 1,715,774 ” ”


!= d;nGb df}Hbft 48,77,104 37,58,638

@= nufgLdf c;'n ug{ afFsL cfDbfgL 13,17,034 11,54,317

#= shf{df c;'n ug{ afFsL Aofh 23,60,03,198 4,04,29,851 5,88,36,315

Go'gM Aofh d'NtaL /sd 19,55,73,347 ” ”

$= c;'n ug{ afFsL sldzg ” ”

%= ;G8«L 8]A6;{ 19,91,521 3,00,2547

^= sd{rf/L ;fk6L / k]ZsL 12,81,62,367 11,30,91,836

&= clu|d e'QmfgL 2,15,30,923 2,24,59,366

*= dfu{:y gub ” ”

(= dfu{:y cGo -r]s ;d]t_ ” ”

!)= ljgf ;"rgf 8«fk\m6sf] e'QmfgL ” ”

!!= ckn]vg x'g afFsL vr{ ” ”

!@= zfvf ldnfg lx;fa ” ”

!#= :yug s/ ;DklQ ” ”

!$= cGo 26,92,42,825 34,24,14,580

-s_ ;'gsf] l;Ssf 1,32,17,062 14,29,691

-v_ NPN & SCT df lng afFsL lx;fa 11,48,024 14,03,524

-u_ ljb]zL ljlgdo sf/f]af/df lng afFsL lx;fa 1,73,861 31,194

-3_ ljk]|if0f sf/f]jf/df lng'kg]{ lx;fa 67,65,330 41,52,040

-ª_ cGo lng'kg]{ lx;fa 2,75,34,880 1,36,52,298

-r_ ax'd"No wft'sf] sf/f]af/df lng afFsL lx;fa 13,02,33,915 22,94,67,708

-5_ cu|Ld cfos/ 8,60,15,005 5,11,72,159

-h_ lng afFsL NBA Joj:yfkg kmL ” 10,000

-em_ hUuf ” 4,09,48,416

-`_ g]=/f=a}+= ;Fu lng afFsL lx;fa 27,53,154 1,47,550=00

-6_ df:6/sf8{ lng afFsL 14,01,594 ”

hDdf 46,75,51,624 54,47,17,599

cg'';"rL $=!%

cg'';"rL $=!^

u}/ a}+ls· ;DklQ-@)&@ ;fn cfiff9 d;fGt_

cGo ;DklQ-@)&@ ;fn cfiff9 d;fGt_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@46

ljj/0f o; jif{ ?= ut jif{ ?=! jif{ ;Dd !–# jif{;Dd # jif{eGbf

dflyhDdf

!= shf{df c;'n ug{ afFsL Jofh 20,33,59,318 3,26,43,880 - 23,60,03,198 16,91,11,861 @= ljgf ;"rgf 8«fk\m6sf] e'QmfgL - - - - - #= zfvf ldnfg lx;fa - - - - - $= :jb]zL ljb]zL Ph]G;L lx;fa - - - - -


!= ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] ” ” @= k|tLtkqx¿ -dflh{g g36fO{ k'/f /sd_ 2,02,54,83,190 2,19,49,44,316 -s_ ^ dlxgf eGbf sd cjlwsf] 1,09,59,42,710 1,40,08,77,715 -v_ ^ dlxgf eGbf a9L cjlwsf] 92,95,40,479 79,40,66,601 #= k'gM l8:sfpG6 ul/Psf ljnx¿ ” ” $= Dofb gfl3 g;s]sf] Uof/]G6L÷a08 1,04,76,26,757 95,51,44,978 s_ la8 a08 7,56,16,457 5,73,45,527 v_ k/km/d]G; a08 97,20,10,300 89,77,99,451 u_ cGo Uof/]06L÷a08 ” ” %= r'Qmf jf e'Qmfg x'g afFsL z]o/ nufgL ” ” ^= km/jf8{ PS:r]~h sG6«fS6sf] afFsL bfloTjx¿ ” 1,38,20,236 &= sn]S;gdf /x]sf lanx¿ 5,75,87,583 24,04,242 T/C Collection ” ” Cheque Collection 2,27,307 14,08,891 Document Collection 5,73,60,277 9,95,351 *= d~h'/L tyf ;dy{g (Acceptance & Endorsement) 23,60,77,892 18,05,12,065 (= k|Tofe"lt k|lta4tf (Underwriting Commitment) ” ” !)= ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) 66,21,51,884 46,68,74,814 !!= cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L 26,81,74,309 33,85,41,712 !@= clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 52,60,94,361 46,64,00,076 !#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) ” ” !$= cfos/ afkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) ” ” !%= cGo ” ” hDdf 4,82,31,95,976 4,61,86,42,439

cg'';"rL $=!^-s_

cGo ;DklQ -yk ljj/0f_-@)&@ ;fn cfiff9 d;fGt_

cg'';"rL $=!&

;Defljt bfloTjx¿-@)&@ ;fn cfiff9 d;fGt_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@47

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

s_ shf{ ;fk6 / clwljsif{df 2,16,75,69,593 1,82,67,18,603

!= shf{ ;fk6 1,60,41,30,531 1,30,54,91,257

@= clwljsif{ 56,34,39,062 52,12,27,346

v_ nufgLdf 1,19,73,730 3,98,95,453

!= g]kfn ;/sf/sf] ;'/If0fkq 1,19,73,730 3,98,95,453

-s_ 6]«h/L laN; 55,09,841 3,55,26,009

-v_ ljsf; C0fkq 64,63,889 43,69,444

-u_ /fli6«o art kq ” ”

@= ljb]zL C0fkq ” ”

s_ ================================== ” ”

v_ ================================== ” ”

#= g]kfn /fi6« a}+ssf] C0fkq ” ”

$= l8j]Gr/ tyf a08 * ” ”

%= cGt/ a}+s nufgLdf Aofh ” ”

-s_ a}+s÷ljQLo ;+:yfx¿ ” ”

-v_ cGo ;+:yfx¿ ” ”

-u_ Ph]G;L df}Hbftdf ” ”

!= :jb]zL a}+s÷ljQLo ;+:yfx¿ ” ”

@= ljb]zL a}+sx¿ ” ”

-3_ dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf 99,01,486 17,54,776

!= :jb]zL a}+s÷ljQLo ;+:yfx¿ 99,01,486 17,54,776

@= ljb]zL a}+sx¿ ” ”

-ª_ cGodf 25,79,481 ”

!= ;l6{lkms]6 ckm l8kf]lh6 ” ” @= cGt/ a}+s÷ljQLo ;+:yf shf{ ” ”

#= cGo 25,79,481 ”

hDdf 2,19,20,24,289 1,86,83,68,832

cg'';"rL $=!*

Jofh cfDbfgL-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@48


s_ lgIf]k bfloTjdf 1,34,04,06,975 1,25,40,42,143

!= d'2tL lgIf]k 84,01,26,163 89,84,89,277

!=! :jb]zL d'b|f 83,49,29,535 89,08,79,323

!=@ lab]zL d'b|f 51,96,629 76,09,954

@= art lgIf]k 18,72,54,591 14,02,65,075

@=! :jb]zL d'b|f 18,66,30,440 13,99,85,286

@=@ lab]zL d'b|f 6,24,151 2,79,789

#= dfu]sf]avt ltg'{kg]{ lgIf]k 31,30,26,221 21,52,87,791

#=! :jb]zL d'b|f 30,58,57,087 20,50,12,367

#=@ lab]zL d'b|f 71,69,134 1,02,75,424

$= ;l6{lkms]6 ckm l8kf]lh6\; ” ”

v_ shf{ ;fk6df 8,67,927 15,50,466

!= C0fkq tyf a08 * ” ”

@= g]kfn /fi6« a}+saf6 k|fKt shf{ ” ”

#= cGt/ a}+s÷ljQLo ;+:yf shf{ 8,67,927 15,50,466

$= cGo ;+ul7t ;+:yf ” ”

%= cGo shf{ ” ”

u_ cGodf ” ”

hDdf 1,34,12,74,902 1,25,55,92,609

cg'';"rL $=!(

Jofh vr{-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_


s_ ljN; vl/b tyf l8:sf06 39,55,131 29,81,853 != :jb]zL 39,55,131 29,81,853 @= ljb]zL ” ” v_ sldzg 4,87,44,780 5,14,52,843 != k|tLtkq 2,03,62,306 2,14,00,813 @= hdfgtkq 1,97,93,209 2,32,89,581 #= sn]S;g kmL 5,97,462 3,10,032 $= /]ld6]G; kmL 56,21,916 30,23,107 %= q]ml86 sf8{ ” ” ^= z]o/ k|Tofe"lt÷lgisfzg ” ” &= ;/sf/L sf/f]af/ afkt ” ” *= Ohfhtkq sldzg afkt 23,69,885 34,29,310 (= a§f cfDbfgL ” ” u_ cGo 24,58,155 89,54,045 hDdf 5,51,58,066 6,33,88,741

cg'';"rL $=@)

sldzg tyf l8:sfp06-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@49

ljj/0f o; jif{ ?= ut jif{ ?=!= ;]km l8kf]lh6 eN6sf] ef8f 5,83,700 2,86,450 @= q]ml86sf8{ lgisfzg tyf gjLs/0f ” ” #= ATM sf8{ lgisfzg tyf gjLs/0f 55,53,518 24,75,699 $= 6]n]S;÷l6=l6=÷l:jˆ6 z'Ns 29,58,639 25,91,302 %= ;]jf z'Ns 4,32,47,132 4,19,06,495 ^= gjLs/0f z'Ns 37,54,841 16,79,125 &= cGo 94,80,054 74,13,192 hDdf 6,55,77,884 5,52,30,413

cg'';"rL $=@!

cGo ;~rfng cfDbfgL-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

ljj/0f o; jif{ ?= ut jif{ ?=s= ljlgdo b/df ePsf] km/saf6 1,14,86,403 73,54,584

v= ljb]zL d'b|f sf/f]jf/af6 -a§f afx]s_ 6,07,46,734 5,11,57,332 hDdf cfDbfgL÷-gf]S;fg_ 7,22,33,137 5,85,11,916

cg'';"rL $=@@

;6xL 36a9 cfDbfgL÷gf]S;fg-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

ljj/0f o; jif{ ?= ut jif{ ?=!= tna 11,05,97,367 8,62,24,386 @= eQf 612,64,638 4,67,58,306 #= ;~rosf]ifdf yk 98,05,073 73,06,723 $= tflnd vr{ 19,45,028 12,38,669 %= kf]zfs 24,54,610 20,64,853 ^= cf}ifwf]krf/ ” ” &= aLdf 16,83,061 11,81,968 *= k]G;g tyf pkbfg Joj:yf 33,17,387 28,72,644 (= cGo 1,68,65,965 96,03,783 c= sd{rf/L labf jfktsf] vr{ 38,30,497 25,65,000 cf= sd{rf/L ;'lawf -Staff Amenities) 31,76,188 22,96,812 O= cfp6;f];\{ sd{rf/L vr{ 89,16,617 33,66,445 O{= cGo 9,42,662 13,75,526 hDdf 20,79,33,129 15,72,51,332

cg'';"rL $=@#

sd{rf/L vr{-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@50

ljj/0f o; jif{ ?= ut jif{ ?=!= 3/ef8f 5,76,88,976 4,27,62,323 @= aQL lah'nL / kfgL 71,21,640 52,70,448 #= dd{t tyf ;Def/ 61,59,547 39,52,726 -s_ ejg 13,85,056 11,90,631 -v_ ;jf/L ;fwg 11,21,184 8,22,312 -u_ cGo 36,53,306 19,39,783 $= aLdf 51,96,893 43,90,077 %= kf]i6]h, 6]n]S;, 6]lnkmf]g, k\mofS; 57,66,469 56,09,818 ^= sfof{no pks/0f kmlg{r/ / ;Def/ 2,10,661 7,61,199 &= e|d0f eQf / vr{ 24,62,743 23,72,546 *= d;nGb / 5kfO 70,29,688 58,08,857 (= kqklqsf tyf k':ts 4,10,879 3,52,622 !)= lj1fkg 68,11,971 81,15,555 !!= sfg"gL vr{ 1,12,977 84,000 !@= rGbf ” ” !#= ;~rfns ;ldlt ;DaGwL vr{ 9,47,295 9,64,057 -s_ a}7s eQf 7,92,000 8,03,000 -v_ cGo vr{ 1,55,295 1,61,057 !$= ;fwf/0f ;ef ;DaGwL vr{ 9,33,252 18,28,171 !%= n]vfk/LIf0f ;DaGwL 6,69,101 5,50,391 -s_ n]vf k/LIf0f z'Ns 3,67,250 3,67,250 -v_ cGo vr{ 3,01,851 1,83,141 !^= /sd :yfgfGt/0f sldzg ” ” !&= :yL/ ;DklQdf x|f; s§L 6,03,67,925 4,89,51,926 !*= k'j{ ;~rfng vr{ ckn]vg ” ” !(= z]o/ lgisfzg vr{ ” ” @)= k|fljlws ;]jf ;f]wegf{ 23,69,028 28,13,043 @!= dgf]/~hg vr{ 1,04,843 1,77,392 @@= ckn]vg vr{@#= ;'/Iff vr{ 2,89,79,024 1,66,21,047 @$= shf{ ;'/If0f lk|ldod ” ” @%= sldzg / l8:sfp06 ” ” @^= cGo 6,70,07,452 5,96,91,275 -s_ aflif{s dd{t ;Def/ vr{ 1,02,18,465 89,28,254 -v_ sfof{no ;/;kmfO{ vr{ 37,43,722 29,70,185 -u_ zfvf, SCT tyf NPN sg]S6Lle6L vr{ 86,95,325 49,03,127 -3_ ;A:s[K;g /f]o6;{ 11,16,302 26,01,214 -ª_ k|rf/ tyf Jofkf/ k|j{¢g 39,66,738 63,07,010 -r_ gofF of]hgf z'?cft k|rf/ vr{ 9,35,089 ” -5_ k|fof]hg vr{ 6,62,971 5,95,544 -h_ h]g]6f]/LPn vr{ 3,64,773 2,06,845 -em_ lgIf]k ;'/If0f vr{ 29,11,151 21,47,438 -g_ shf{ ;'rgf s]Gb| vr{ 47,988 55,745 -6_ btf{ z'Ns tyf b:t'/ 31,96,646 41,51,072 -7_ ATM ;DaGwL vr{ 14,09,351 13,15,408 -8_ h]g]6/sf] nflu OGwg vr{ 94,14,494 71,88,196 -9_ ufl8sf] nflu OGwg vr{ 66,79,695 63,96,696 -0f_ ;fdflhs pQ/bfloTj vr{ 1,00,000 5,24,636 -t_ ;fdflhs pQ/bfloTj –k|s[lts ljkQL -e"sDk_ vr{ 28,97,870 ” -y_ df:6/ sf8{ ;DaGwL vr{ 38,82,516 32,17,941 -b_ cGo 67,64,356 81,81,965 hDdf 26,03,50,366 21,10,77,474

cg'';"rL $=@$

sfof{no ;~rfng vr{-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@51


!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 38,50,43,812 27,99,65,038 @= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 ” ” #= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf ” ” $= cGo ;DklQdf ul/Psf] Joj:yf ” ” hDdf 38,50,43,812 27,99,65,038

ljj/0f o; jif{ ?= ut jif{ ?=!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ ” ” @= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ 15,51,584 ” #= nfef+z 1,71,000 ” $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot ” ” s_ tf]lsPsf] zfvfx¿sf] gf]S;fg afkt Ifltk"lt{ ” ” v_ Jofh Ifltk"lt{ ” ” u_ ;6xL sfp06/ ” ” %= cGo ” ” v'b u}/–;+rfng cfDbfgL÷-gf]S;fg_ 17,22,584 ”

ljj/0f o; jif{ ?= ut jif{ ?=!= shf{ gf]S;fgL Joj:yfaf6 lkmtf{ 17,27,56,391 23,24,53,677 @= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ ” ” #= nufgL Joj:yfaf6 lkmtf{ ” ” $= cGo ;DklQsf] Joj:yfaf6 lkmtf{ 21,00,000 ” hDdf 17,48,56,391 23,24,53,677

cg'';"rL $=@%

;Defljt gf]S;fgL Joj:yf-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

cg'';"rL $=@^

u}/–;+rfng cfDbfgL÷gf]S;fg-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

cg'';"rL $=@&

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ -ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@52


!= ckn]vg ePsf] shf{sf] c;'nL ” ” @= :j]lR5s cjsfz vr{ ” ” #= c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@*s_ ” -6,00,000_$= cGo vr{÷cfDbfgL ” ” %= l:y/ ;DklQsf] lg;u{ -46,57,410_ ” hDdf -46,57,410_ -6,00,000_

cg'';"rL $=@*

c;fdfGo sf/f]af/x¿af6 ePsf] cfDbfgL÷vr{-ldlt @)&! ;fpg ! b]vL @)&@ cfiff9 #! ut] ;Ddsf]_

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

/sd

lwtf]sf] k|sf/ tyf

/sd

lwtf] d"Nof+sgsf] cfwf/

shf{ :jLs[t ug{] clwsf/L÷tx

shf{ c;'nLsf nflu eP

u/]sf k|of;

s}lkmot

!= rfn' k"FhL shf{ ” ” ” ” ” ” @= kl/of]hgf shf{ ” ” ” ” ” ” #= :yL/ k"FhL shf{ ” ” ” ” ” ” $= AolQmut shf{ ” ” ” ” ” ” %= cGo shf{ ” ” ” ” ” ”

s'n shf{ ” ” ” ” ” ”

cg'';"rL $=@*-s_

ckn]lvt shf{sf] ljj/0f-cfly{s jif{ @)&!÷)&@_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@53

;:yfks÷;~rfns÷sfo{sf/Lk|d'vsf] gfd

ut jif{;Ddsf] afFsL o; jif{ c;'nL o; jif{ * yk shf{

cfiff9 d;fGt;Dd afFsL

;fFjf Jofh ;fFjf Jofh ;fFjf Jofh

-s_ ;+rfns - - - - - - -

1==================================================== - - - - - - -

2==================================================== - - - - - - -

-v_ sfo{sf/L k|d'v - - - - - - -

1==================================================== - - - - - - -

2=================================================== - - - - - - -

-u_ ;+:yfks - - - - - - -

1==================================================== - - - - - - -

2=================================================== - - - - - - -

-3_ sd{rf/L - - - - - - -

1=================================================== - - - - - - -

2=================================================== - - - - - - -

-ª_ z]o/wgLx? - - - - - - -

1=================================================== - - - - - - -

2=================================================== - - - - - - -

hDdf - - - - - - -

gf]6M a}+ssf] gLlt cg';f/ sd{rf/LnfO{ k|bfg ul/Psf] k]ZsL /sdnfO{ cg';"rL $=!^ cGt{ut cGo ;DklQdf auL{s/0f ul/Psf] 5 .

cg'';"rL $=@(

;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyf Ps k|ltzteGbf a9L z]o/ lng] z]o/ xf]N8/x¿nfO{ uPsf] shf{ ;fk6 ljj/0f-@)&@ ;fn cfiff9 d;fGt_

vl/b tyf l8:sfp06 ul/Psf lanx¿ / shf{, ;fk6 tyf clwljsif{df k|jflxt s'n /sd dWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N8/x? / lghx¿sf] Psf3/ kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfoadf]lhd 5 .

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@54

!=! hf]lvd efl/t ;DklQ o; jif{ ?= ut jif{ ?=

s_ shf{ hf]lvd 2,39,68,374 2,09,03,621 v_ ;~rfng hf]lvd 8,83,133 5,16,502 u_ ahf/ hf]lvd 72,423 27,223

hf]vLd ef/Lt ;DklQ (Pillar II ;dfof]hg cl3_ 2,49,23,932 2,14,47,346 Pillar II cGtu{tsf] ;dfof]hg ” ” != hf]8M Capital Adequacy Framework ^=$ -s_ % cg';f/ yk hf]lvd ef/ ” ” @= hf]8M Capital Adequacy Framework ^=$ -s_ ^ cg';f/ yk hf]lvd ef/ ” ” #= hf]8M Capital Adequacy Framework ^=$ -s_ & cg';f/ yk hf]lvd ef/ 1,71,655 1,19,840 $= hf]8M Capital Adequacy Framework ^=$ -s_ ( cg';f/ yk hf]lvd ef/ 4,98,479 4,28,947 %= hf]8M ^=$ -s_-!)_ cg';f/ kof{Kt ;'rgf k|jfx gu/] afkt hf]lvd efl/t ;DklQsf] # k|ltzt ” ”

s'n hf]lvd efl/t ;DklQ (Pillar II cGtu{tsf] ;dfof]hg kl5_ 2,55,94,066 2,19,96,134

!=@ k"FhLsf]if cfiff9 d;fGt 2071 ut jif{

k|fylds k"FhL -Tier I_ 32,72,999 30,26,764 s_ r'Qmf k"FhL 28,87,849 26,98,925 v_ lkmtf{ gx'g] cu|flwsf/ z]o/ ” ” u_ z]o/ lk|ldod 1,077 1,077 3_ k|:tfljt af]g; z]o/ 1,94,930 1,88,925 ª_ ;fwf/0f hu]8f sf]if 1,77,551 1,31,547 r_ ;l~rt gfkmf÷-gf]S;fg_ 4,148 7,457 5_ rfn" cf=j= sf] gfkmf÷-gf]S;fg_ -Un-Audited_ ” ” h_ k"FhL lkmtf{ ;dfof]hg sf]if 301 301 em_ k"FhL ;dfof]hg sf]if 7,467 ” `_ nfef+z ;lds/0f sf]if ” ” 6_ :yug sf/ sf]if -Deferred Tax Reserve_7_ cGo :jtGq sf]ifx¿ ” ” 36fpg]M ” ” s_ Voflt jfktsf] /sd ” ” v_ ckn]vg gul/Psf] ljljw ;DklQ ” ” u_ Ohfht k|fKt ;+:yfdf ul/Psf] z]o/sf] nufgL ” ” 3_ ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL ” ” ª_ ;LdfeGbf a9L nufgL ” ” r_ k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgL ” ” 5_ kf/:kl/s qm; xf]lN8Ë ” ” h_ Purchase of Land & Building ” ” h_ cGo ” ”

Pillar II cGtu{tsf] ;dfof]hg 325 1,468 36fpg] ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf ” ”

^=$ -s_ -@_ cGtu{t ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ ;'ljwf 325 1,468

k"/s k"FhL -Tier II_ 2,20,399 1,95,386 s_ So"Do'n]l6e /÷jf l/l8d]jn lk|km/]G; z]o/ ” ” v_ ;'/If0f g/flvPsf] ;xfos cfjlws C0f ” ” u_ xfOla|8 k"FhL pks/0fx? ” ” 3_ c;n, ;fwf/0f shf{ gf]S;fgL Joj:yf 2,05,623 1,87,401 ª_ ;6xL ;dLs/0f sf]if 9,276 6,405 r_ nufgL ;dfof]hg sf]if 5,500 1,580 5_ ;DklQ k'gd"{Nof+sg sf]if ” ” h_ cGo sf]if ” ”

hDdf k"FhL sf]if (Tier I & Tier II) 34,93,398 32,22,150

!=# k"FhLsf]if cg'kft cfiff9 d;fGt 2072 ut jif{

k|fylds k"FhL (Tier I)÷ s'n hf]lvd efl/t ;DklQ 12=79∞ 13=76∞k"FhLsf]if (Tier I tyf Tier II)÷ s'n hf]lvd efl/t ;DklQ 13=65∞ 14=65∞

cg'';"rL $=#)-s_

k“"hLsf]if tflnsf-@)&@ ;fn cfiff9 d;fGt_ ?= xhf/df

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@55


jf;nft adf]lhdsf] ;DklQ lstfaL d"No ljz]if Joj:yf

u0fgf ug{ ;lsg] CRM

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

hf]lvd efl/t /sd

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

s v u 3Ös–v–u ª rÖ3xªgub df}Hbft 5,67,528 ” ” 5,67,528 0∞ ” 355,224 ” g]kfn /fi6« a}+sdf /x]sf] df}Hbft 19,17,903 ” ” 19,17,903 0∞ ” 2,466,434 ” ;'g ” ” ” ” 0∞ ” ” ” g]kfn ;/sf/sf] C0fkqdf ul/Psf] nufgL 33,90,664 ” ” 33,90,664 0∞ ” 1,713,943 ” g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfaL ” ” ” ” 0∞ ” ” ” g]kfn /fi6« a}+ssf] C0fkqdf ul/Psf] nufgL ” ” ” ” 0∞ ” ” ” g]kfn /fi6« a}+s pk/sf] ;Dk"0f{ bfjL ” ” ” ” 0∞ ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 0-1) ” ” ” ” 0∞ ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating-2) ” ” ” ” 20∞ ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -3) ” ” ” ” 50∞ ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 4-6) ” ” ” ” 100∞ ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -7) ” ” ” ” 150∞ ” ” ” BIS, IMF, ECB, EC / ax'kIfLo ljsf; a}+sx? pk/sf] bfjL ” ” ” ” 0∞ ” ” ” cGo ax'kIfLo ljsf; a}+sx? pk/sf] bfaL ” ” ” ” 100∞ ” ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating 0 -1) ” ” ” ” 20∞ ” ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating -2) ” ” ” ” 50∞ ” ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating 3-6) 5,45,902 ” ” 5,45,902 100∞ 5,45,902 ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating -7) ” ” ” ” 150∞ ” ” ” tf]lsPsf] k"FhLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfaL 8,63,761 ” ” 8,63,761 20∞ 172,752 3,27,229 65,446

tf]lsPsf] k"FhLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfaL 2,47,549 3,360 ” 2,44,189 100∞ 2,44,189 30,305 30,305 lab]zL a}+s pk/sf] bfaL (ECA rating 0-1) 4,85,154 ” ” 4,85,154 20∞ 97,031 6,79,099 1,35,820 lab]zL a}+s pk/sf] bfaL (ECA rating -2) 1,65,515 ” ” 1,65,515 50∞ 82,757 ” ” lab]zL a}+s pk/sf] bfaL (ECA rating 3-6) ” ” ” ” 100∞ ” ” ” lab]zL a}+s pk/sf] bfaL (ECA rating -7) ” ” ” ” 150∞ ” ” ” SAARC If]q leq :yfkgf eO{ tf]lsPsf] k"FhLsf]ifdf ! k|ltzt eGbf a9Ln] k"FhLsf]if sfod ug]{ ljb]zL a}+s pk/sf] bfjL 45,667 ” ” 45,667 20∞ 9,133 22,294 4,459 :jb]zL ;+3 ;+:yfx? pk/sf] bfjL 1,30,75,595 13,846 23,457 13,038,291 100∞ 1,30,38,291 92,75,459 92,75,459 lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating 0-1) ” ” ” ” 20∞ ” ” ” lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating-2) ” ” ” ” 50∞ ” ” ” lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating 3-6) ” ” ” ” 100∞ ” ” ” lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating -7) ” ” ” ” 150∞ ” ” ” pkef]Uo tyf ;fgf shf{ (Regulatory Retail Portfolio) -efvf ggf3]sf]_ 55,82,990 5,638 ” 5,577,353 75∞ 41,83,014 4,41,786 3,31,340 u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{ 1,26,843 ” ” 1,26,843 100∞ 1,26,843 1,31,542 1,31,542 cfjfl;o 3/hUufaf6 ;'/lIft bfjL 11,56,309 ” ” 1,156,309 60∞ 6,93,786 4,34,743 2,60,846 cfjfl;o 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfjL ” ” ” ” 150∞ ” ” ” cfjfl;o 3/hUufaf6 ;'/lIft bfjL -efvf gf3]sf]_ 41,688 9,658 ” 32,030 100∞ 32,030 ” ” Jofkfl/s 3/hUufaf6 ;'/lIft bfjL 6,48,699 ” ” 6,48,699 100∞ 6,48,699 12,29,995 12,29,995 e'QmfgL cjlw ;dfKt eO;s]sf] bfjL -cfjf;Lo 3/ hUuf af6 ;'/lIft bfjL afx]s_

11,18,273 3,56,909 ” 7,61,364 150∞ 11,42,046 21,962 32,944

pRr hf]lvdo'Qm bfjL 2,85,879 ” 2,01,140 84,738 150∞ 1,27,107 4,73,494 7,10,241 :6s PS;r]Ghdf ;'rLs[t sDkgLsf] z]o/ / cGo k"FhLut pks/0fdf ePsf] nufgL

” ” ” ” 100∞ ” ” ”

:6s PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf] z]o/ / cGo k"FhLut pks/0fdf ePsf] nufgL

8,554 300=00 ” 8,254 150∞ 12,380 2,303 3,454

cfjfl;o 3/hUufaf6 ;'/lIft sd{rf/L shf{ 1,02,950 ” ” 1,02,950 60∞ 61,770 59,150 35,490 k|fKt x'g'kg]{ Aofh÷g]kfn ;/sf/sf] lwtf]kqdf bfjL 1,083 ” ” 1,083 0∞ ” ” ” dfu{:y gub tyf e'QmfgL k|fKt x'g] qmddf /x]sf] cGo gub ;Dklt ” ” ” ” 20∞ ” 5,189 1,038 cGo ;DklQ 8,74,053 2,37,719 ” 6,36,334 100∞ 6,36,334 3,58,099 3,58,099

hDdf -s_ 3,12,52,560 6,27,429 2,24,598 3,04,00,533 2,18,54,068 1,80,28,250 1,26,06,476

cg'';"rL $=#)-v_

hf]lvd efl/t ;DklQ ljj/0f tflnsf-@)&@ ;fn cfiff9 d;fGt_

?= xhf/df

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@56

jf;nft aflx/sf sf/f]af/ lstfaL d"No

ljz]if Joj:yf

u0fgf ug{ ;lsg] CRM

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

hf]lvd efl/t /sd

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

h'g;'s} a]nf lkmtf{ lng ;lsg] k|lta4tf ” ” ” ” 0∞ ” ” ” lan sn]S;g 57,588 ” ” 57,588 0∞ ” 5,189 ” clu|d ljlgdo ;Demf}tf ” ” ” ” 10∞ ” 17,828 1,783 ^ dlxgf eGbf sd cjlwsf] k|ltt?kq :jb]zL sf/f]af/ kIf 10,95,943 ” 57,191 1,038,751 20∞ 2,07,750 7,31,679 1,46,336

ljb]zL sf/f]af/ kIf (Counter Party) (ECA 0-1) ” ” ” ” 20∞ ” ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA -2) ” ” ” ” 50∞ ” ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA 3-6) ” ” ” ” 100∞ ” ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA -7) ” ” ” ” 150∞ ” ” ” ^ dlxgf eGbf a9L cjlwsf] k|ltt?kq :jb]zL sf/f]af/ kIf 9,29,540 ” 19,948 909,592 50∞ 4,54,796 20,835 10,417

ljb]zL sf/f]af/ kIf (Counter Party) (ECA 0-1) ” ” ” ” 20∞ ” ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA -2) ” ” ” ” 50∞ ” ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA 3-6) ” ” ” ” 100∞ ” ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA -7) ” ” ” ” 150∞ ” ” ” lj8 j08, k/km/d]G; j08, sfp06/ Uof/]06L :jb]zL sf/f]af/ kIf 10,98,601 ” 81,947 1,016,654 50∞ 5,08,327 7,66,875 3,83,438

ljb]zL sf/f]af/ kIf (Counter Party) (ECA 0-1) ” ” ” ” 20∞ ” ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA -2) 1,62,294 ” 81,147 81,147 50∞ 40,574 ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA 3-6) 1,05,880 ” ” 1,05,880 100∞ 1,05,880 ” ” ljb]zL sf/f]af/ kIf (Counter Party) (ECA -7) ” ” ” ” 150∞ ” ” ” k|Tofe"lt (Underwriting) ;DalGw k|lta4tf ” ” ” ” 50∞ ” ” ” a}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? ” ” ” ” 100∞ ” ” ”

k'g v/Lb ;Demf}tf cGtu{tsf] shf{ ” ” ” ” 100∞ ” ” ” clu|d e'QmfgL hdfgt 4,75,120 ” 36,633 4,38,487 100∞ 4,38,487 4,12,502 4,12,502 ljQLo hdfgt ” ” ” ” 100∞ ” ” ” :jLsf/ tyf b/lk7 (Acceptance and Endorsements) 2,36,078 ” 16,877 2,19,201 100∞ 2,19,201 2,20,318 2,20,318

e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f ” ” ” ” 100∞ ” ” ”

ckl/jTo{ shf{ k|ltj4tf 5f]6f] cjlw 6,39,281 ” ” 6,39,281 20∞ 1,27,856 4,32,873 86,575 ckl/jTo{ shf{ k|ltj4tf nfdf] cjlw 22,871 ” ” 22,871 50∞ 11,436 1,546 773 “Claims on foreign bank incorporated in SAARC region operating with a buffer of 1% above their respective regulatory capital requirement”

” ” ” ” 20∞ ” ” ”

cGo ;Defljt bfloTjx? ” ” ” ” 100∞ ” ” ” Unpaid Guarantee Claims ” ” ” ” 200∞ ” ” ” hDdf -v_ 48,23,196 ” 2,93,743 4,529,452 21,14,307 26,09,646 12,62,141

s'n shf{ hf]lvd -s±v_ 3,60,75,756 6,27,429 5,18,341 3,49,29,986 2,39,68,374 2,06,37,896 1,38,68,618 Piller II cGtu{tsf] ;dfof]hg - - - - - - - -

hf]8M ^=$-s_-#_ cGtu{t k|lt u|fxs shf{ tyf ;'ljwf ;LdfeGbf a9L k|jflxt shf{ tyf ;'ljwfsf] !) k|ltzt

- - - - - - - -

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

- - - - - - - -

s'n shf{ hf]lvd (Pillar II cGtu{tsf] ;dfof]hg kl5_ 3,60,75,756 6,27,429 5,18,341 3,49,29,986 2,39,68,374 2,06,37,896 1,38,68,618

cg'';"rL $=#)-v_ qmdz

hf]lvd efl/t ;DklQ ljj/0f tflnsf-@)&@ ;fn cfiff9 d;fGt_

?= xhf/df o; jif{ ?= ut jif{ ?=

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@57

Credit Risk Mitigants (CRM) sf] nflu of]Uo /sd-@)&@ ;fn cfiff9 d;fGt_

cg'';"rL $=#)-u_

jf;nft leqsf sf/f]af/ cfk\mgf] a}+sdf/x]sf] lgIf]k

cGo a}+sdf/x]sf] lgIf]k

;'g g]kfn ;/sf/ /g]kfn /fi6«

a}+ssf] ;'/If0f

g]kfn;/sf/sf]hdfgt

cGo b]zsf];/sf/sf]hdfgt

:jb]zLa}+ssf]

hdfgt

ljb]zL ax'kIfLoljsf; a}+sx?sf]

hdfgt

ljb]zL a}+ssf]hdfgt tyf

;'/If0f

hDdf

-s_ -c_ -u_ -3_ -ª_ -r_ -5_ -h_ -em_

ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -2) ” ” ” ” ” ” ” ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -3) ” ” ” ” ” ” ” ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 4-6) ” ” ” ” ” ” ” ” ” ” ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -7) ” ” ” ” ” ” ” ” ” ” cGo ax'kIfLo ljsf; a}+sx? pk/sf] bfaL ” ” ” ” ” ” ” ” ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating 0-1) ” ” ” ” ” ” ” ” ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating -2) ” ” ” ” ” ” ” ” ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating 3-6) ” ” ” ” ” ” ” ” ” ” ;fj{hlgs ;+:yf pk/sf] bfaL (ECA rating -7) ” ” ” ” ” ” ” ” ” ” tf]lsPsf] k"FhLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfaL ” ” ” ” ” ” ” ” ” ” tf]lsPsf] k"FhLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfaL ” ” ” ” ” ” ” ” ” ” lab]zL a}+s pk/sf] bfaL (ECA rating 0-1) ” ” ” ” ” ” ” ” ” ” lab]zL a}+s pk/sf] bfaL (ECA rating -2) ” ” ” ” ” ” ” ” ” ” lab]zL a}+s pk/sf] bfaL (ECA rating 3-6) ” ” ” ” ” ” ” ” ” ” lab]zL a}+s pk/sf] bfaL (ECA rating -7) ” ” ” ” ” ” ” ” ” ” SAARC If]q leq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL ” ” ” ” ” ” ” ” ” ” tf]lsPsf] k"FhLsf]ifdf ! k|ltzt eGbf a9Ln] k"FhLsf]if sfod ug]{ :jb]zL ;+3 ;+:yfx? pk/sf] bfjL 23,457 ” ” ” ” ” ” ” ” 23,457 lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating 0-1) ” ” ” ” ” ” ” ” ” ”

lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating -2) ” ” ” ” ” ” ” ” ” ” lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating 3-6) ” ” ” ” ” ” ” ” ” ” lab]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating -7) ” ” ” ” ” ” ” ” ” ”

pkef]Uo tyf ;fgf shf{ (Regulatory Retail Portfolio) -efvf ggf3]sf]_ ” ” ” ” ” ” ” ” ” ”

u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{ ” ” ” ” ” ” ” ” ” ”

cfjfl;o 3/hUufaf6 ;'/lIft bfjL ” ” ” ” ” ” ” ” ” ”

cfjfl;o 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfjL ” ” ” ” ” ” ” ” ” ”

cfjfl;o 3/hUufaf6 ;'/lIft bfjL -efvf gf3]sf]_ ” ” ” ” ” ” ” ” ” ”

Jofkfl/s 3/hUufaf6 ;'/lIft bfjL ” ” ” ” ” ” ” ” ” ”

e'QmfgL cjlw ;dfKt eO;s]sf] bfjL -cfjf;Lo 3/hUufaf6 ;'/lIft bfaL afxs] _

” ” ” ” ” ” ” ” ” ”

pRr hf]lvdo'Qm bfjL 5,564 1,95,577 ” ” ” ” ” ” 2,01,140

:6s PS;r]Ghdf ;'rLs[t sDkgLsf] z]o/ / cGo k"FhLut ” ” ” ” ” ” ” ” ” ” :6s PS;r]Ghdf ;'rLs[t gePsf] sDkgLsf] z]o/ / cGo k"FhLut pks/0fdf gePsf nufgL

” ” ” ” ” ” ” ” ” ”

cGo ;Dklt ” ” ” ” ” ” ” ” ” ”

hDdf -s_ 29,021 ” 1,95,577 ” ” ” ” ” ” 2,24,598

?= xhf/df

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@58

Credit Risk Mitigants (CRM) sf] nflu of]Uo /sd-@)&@ ;fn cfiff9 d;fGt_

cg'';"rL $=#)-u_ qmdz

jf;nft aflx/sf sf/f]af/ cfk\mgf] a}+sdf

/x]sf] lgIf]k

cGo a}+sdf/x]sf] lgIf]k

;'g g]kfn ;/sf/ /

g]kfn /fi6«a}+ssf] ;'/If0f

g]kfn;/sf/sf]hdfgt

cGo b]zsf];/sf/sf]hdfgt

:jb]zLa}+ssf]

hdfgt

ljb]zL ax'kIfLoljsf;

a}+sx?sf]hdfgt

ljb]zL a}+ssf]

hdfgt tyf

;'/If0f

hDdf

-s_ -c_ -u_ -3_ -ª_ -r_ -5_ -h_ -em_

clu|d ljlgdo ;Demf}tf ” ” ” ” ” ” ” ” ” ” ^ dlxgf eGbf sd cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf

57,191 ” ” ” ” ” ” ” ” 57,191

ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) ” ” ” ” ” ” ” ” ” ”

ljb]zL sf/f]af/ kIf (counter party) (ECA -2) ” ” ” ” ” ” ” ” ” ” ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) ” ” ” ” ” ” ” ” ” ” ljb]zL sf/f]af/ kIf (counter party) (ECA -7) ” ” ” ” ” ” ” ” ” ” ^ dlxgf eGbf a9L cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf

19,948 ” ” ” ” ” ” ” ” 19,948

ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) ” ” ” ” ” ” ” ” ” ” ljb]zL sf/f]af/ kIf (counter party) (ECA -2) ” ” ” ” ” ” ” ” ” ” ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) ” ” ” ” ” ” ” ” ” ”

ljb]zL sf/f]af/ kIf (counter party) (ECA -7) ” ” ” ” ” ” ” ” ” ” lj8 j08, k/km/d]G; j08, sfp06/ Uof/]06L :jb]zL sf/f]af/ kIf

81,947 ” ” ” ” ” ” ” ” 81,947

ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) ” ” ” ” ” ” ” ” ” ” ljb]zL sf/f]af/ kIf (counter party) (ECA -2) ” ” ” ” ” ” ” ” 81,147 81,147 ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) ” ” ” ” ” ” ” ” ” ” ljb]zL sf/f]af/ kIf (counter party) (ECA -7) ” ” ” ” ” ” ” ” ” ” k|Tofe"lt (Underwriting) ;DalGwt k|lta4tf ” ” ” ” ” ” ” ” ” ” a}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? (Lending of Bank's Securities or Posting of Securities as collateral)

” ” ” ” ” ” ” ” ”

k'g v/Lb ;Demf}tf cGtu{tsf] shf{ ” ” ” ” ” ” ” ” ” ” clu|d e'QmfgL hdfgt 36,633 ” ” ” ” ” ” ” 36,633 ljQLo hdfgt ” ” ” ” ” ” ” ” :jLsf/ tyf b/lk7 (Acceptance and Endorsements)

16,877 ” ” ” ” ” ” ” 16,877

e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f (Unpaid Portion of Partly Paid Shares and Securities)

” ” ” ” ” ” ” ” ” ”

ckl/jTo{ shf{ k|ltj4tf 5f]6f] cjlw ” ” ” ” ” ” ” ” ” ” ckl/jTo{ shf{ k|ltj4tf nfdf] cjlw ” ” ” ” ” ” ” ” ” ” cGo Contingent Liabilities ” ” ” ” ” ” ” ” ” ” cGo ;Defljt bfloTjx? (Unpaid Gurantee Claims) ” ” ” ” ” ” ” ” ” ” hDdf -v_ 2,12,596 ” ” ” ” ” ” ” 81,147 2,93,743

s"n hDdf -s±v_ 2,41,618 ” 1,95,577 ” ” ” ” ” 81,147 5,18,341

?= xhf/df

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@59

qm=;+ ljj/0f÷Currency @)&@ cfiff9 d;fGt @)&! cfiff9 d;fGtsf] ljb]zL d'b|fsf ;fGble{s

v'b cj:yf -g]=¿=_ljb]zL d'b|fsf]

v'b cj:yf -lj=d"=_ljb]zL d'b|fsf]

Exchange Rate -g]=¿=_

v'b cj:yf-g]=¿=_

ljb]zL d'b|fsf ;fGble{s v'b cj:yf

-g]=¿=_ 1 ef/tLo ?k}ofF -72,800=72_ 1=60 -1,16,535=75_ 1,16,536 43,659 2 cd]l/sL 8n/ 203=52 101=60 20,677=38 20,677 2,992 3 kfp08 :6ln{ª 7=62 159=30 1,214=63 1,215 3,247 4 o'/f] 21=43 111=10 2,380=93 2,381 1,651 5 yfO{ ef6 ” 2=91 ” ” ” 6 l:j; k}|+ms 7=47 106=82 797=89 798 321 7 ci6«]lnog 8n/ 3=14 74=84 235=00 235 1,302 8 Sofg]l8og 8n/ 9=41 78=84 741=90 742 476 9 l;+ufk'/ 8n/ 1=00 74=63 74=71 75 50 10 hfkfgL o]g 1,937=69 0=82 1,592=30 1,592 325 11 xªsË 8n/ 1=58 13=15 20=78 21 ” 12 8]lg; qmf]g/ ” 14=88 ” ” ”

13 l:jl8; qmf]g/ ” 11=84 ” ” ” 14 ;fpbL c/a l/ofn 9=58 26=23 251=20 251 225 15 stf/L l/ofn 6=06 27=72 167=84 168 55 16 ;+o'St c/a Old/]6 lb/fd 3=17 25=75 81=51 82 22 17 dn]l;og l/+lu6 2=43 26=19 63=52 64 77 18 sf]/Log jg ” 0=09 ” ” ” 19 rfOgLh o'jg ” 16=35 ” ” 44 20 s'j]tL lbgf/ 0=03 331=79 9=95 10 ” v'b cj:yf -s_ 41,968 -88,226=21_ 1,44,845 54,446

tf]lsPsf] k|ltzt -v_ 5∞ 5∞ahf/ hf]lvdsf nflu cfjZos k"FhL -u_Ö-sxv_ 7,242 2,722 hf]lvd ef/ u'0ffÍ (Reciprocal of Capital requirement) -3_ -!))÷!)_ 10 10ahf/ hf]lvdsf nflu hf]lvd efl/t /sd -ª_Ö-ux3_ 72,423 27,223

cg'';"rL $=#)-ª_

ahf/ hf]lvd-@)&@ ;fn cfiff9 d;fGt_

?= xhf/df

PILLAR-II ;dfof]hg^=$ -P_ * cg';f/ ut tLg jif{sf] cfDbfgL C0ffTds ePdf ” ”

1 s'n shf{ tyf nufgL -ljz]if Joj:yfsf] ;dfof]hg kl5_ ” ”

2 ;~rfng hf]lvdsf] nflu cfjZos k"FhL -%%_ ” ”

3 hf]lvdef/ -Reciprocal of capital Requirement of 10%) times 10 10

4 ;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -5_ ” ”

5 ;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -hÖr±5_ 8,83,133 5,16,502

qm=;+ ljj/0f @)&! cfiff9 d;fGtsf] cl3Nnf jif{x? ut jif{2068÷069 2069÷070 2070÷071

1 v'b Aofh cfDbfgL 1,99,107 4,40,302 6,12,776 4,40,301 2 sldzg tyf l8:sfp06 32,092 33,825 55,006 33,825 3 cGo ;~rfng cfDbfgL 38,198 53,306 64,589 53,3054 ;6xL 36a9 cfDbfgL 27,222 41,634 58,512 41,6345 o; jif{sf] yk Aofh d'NtjL lx;fa 12,168 30,135 67,395 30,1346 s'n cfDbfgL -s_ 3,08,788 5,99,202 8,58,277 5,99,202 7 tf]lsPsf] k|ltzt (Alfa) -v_ 15∞ 15∞ 15∞ 15∞ 8 tf]lsPsf] k|ltztn] x'g] s'n cfDbfgL -u_Ösxv 46,318 89,880 1,28,742 89,880 9 ;~rfng hf]lvdsf] nflu cfjZos k"FhL -3_Öu sf] cf};t 88,313 51,650 10 hf]lvd ef/ (Reciprocal of Capital Requirement) -ª_ 10 10 11 ;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_Ö3xª 8,83,133 5,16,502

cg'';"rL $=#)-3_

;~rfng hf]lvd-@)&@ ;fn cfiff9 d;fGt_ ?= xhf/df

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@60

ljj/0f ;'rsfÍ cf=j= @)^&÷@)^*

cf=j= @)^*÷@)^(

cf=j= @)^(÷@)&)

cf=j= @)&)÷@)&!

cf=j= @)&!÷@)&@

!= v'b gfkmf÷s'n cfDbfgL k|ltzt 0=53 3=17 8=76 11=63 9=64 @= k|lt z]o/ cfDbfgL ?= 0=10 2=27 7=57 8=24 7=46 #= k|lt z]o/ ahf/ d"No ?= ” ” 149 330 270 $= d'No cfDbfgL cg'kft (PE Ratio) cg'kft ” ” 19=69 40=02 36=19 %= z]o/ kF"hLdf nfef+z -jf]g; ;lxt_ k|ltzt ” ” 5=75 8=50 7=11 ^= z]o/ kF"hLdf gub nfef+; e'QmfgL k|ltzt ” ” 5=75 1=50 0=36 &= Aofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 5=08 13=48 12=04 11=56 10=26 *= sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 46=93 43=30 41=50 47=40 48=06 (= s'n lgIf]k tyf ;fk6Ldf Aofh vr{ k|ltzt 3=06 9=05 6=47 6=61 5=51 !)= ;6xL 36a9 cfDbfgL÷s'n cfDbfgL k|ltzt 1=85 3=17 3=01 2=86 3=03 !!= sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 0=39 4=26 13=08 17=76 13=67 !@= v'b gfkmf÷shf{ ;fk6 k|ltzt 0=04 0=35 0=97 1=25 0=99 !#= v'b gfkmf÷s'n ;DklQ cg'kft 0=0003 0=0025 0=0067 0=0094 0=0076 !$= s'n shf{÷lgIf]k k|ltzt 106=87 88=90 80=10 86=52 86=90 !%= s'n ;~rfng vr{÷s'n ;DklQ k|ltzt 2=06 1=94 1=66 1=45 1=54 !^= hf]lvd efl/t ;DklQdf k"FhLsf]ifsf] kof{Kttf ” ” ” ” ” -s_ k|fylds kF"hL k|ltzt 20=77 13=34 13=97 13=76 12=79 -v_ k"/s kF"hL k|ltzt 0=55 0=85 0=89 0=89 0=86 -u_ s'n kF"hL sf]if k|ltzt 21=32 14=19 14=85 14=65 13=65 !&= t/ntf (CRR) k|ltzt 24=25 11=97 13=28 16=34 10=52 !*= lgis[o shf{÷s'n shf{ cg'kft ” ” 0=50 1=76 3=20 !(= Jofhb/ cGt/ k|ltzt 2=50 2=79 4=02 3=36 4=33 @)= a's g]6jy{ ?= b; nfvdf 1,205 1,232 2,038 3,036 3,288 @!= a's g]6jy{ k|lt z]o/ ;+Vof 100=38 102=65 101=91 105=14 106=66 @@= s'n z]o/ -k|:tfljt jf]g; z]o/ ;d]t_ ;+Vof 1,20,00,000 1,20,00,000 2,00,00,000 2,88,78,494 3,08,27,793 @#= s'n sd{rf/L ;+Vof 124 208 258 404 406 @$= a]; /]6 k|ltzt ” ” 12=07 9=44 8=99 @%= cGo - ” ” ” ”

cg'';"rL $=#!

k|d'v ;'rsf“°x?-@)&@ ;fn cfiff9 d;fGt_

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@61

cg'';"rL $=#@

n]vf ;DaGwL dxTjk"0f gLltx?

;fdfGo hfgsf/L l;len a}+s lnld6]8 Ps ;Lldt bfloTj ePsf] sDkgL xf] . o; a}+ssf] /lhi68{ sfof{no Snfl;s sDKn]S;, tLg wf/f /f]8, sdnfbL, sf7df08f,} g]kfndf /x]sf] 5 . o; a}+snfO{ g]kfn /fi6« a}+såf/f a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# adf]lhd g]kfndf a}+lsË sf/f]af/ ug{sf] nflu /fli6«o:t/sf] …sÚ ju{sf]] Ohfht k|fKt /x]sf] 5 . o; a}+sn] d+l;/ !), @)^& ;fn b]lv a}+lsË sf/f]af/ z'? u/]sf] xf] .

ljQLo ljj/0fx? ;+rfns ;ldltsf] ldlt @)&@ d+l;/ @& ut]sf] a}7saf6 kfl/t eO{ k|sfzgsf] nflu l:js[lt k|bfg ul/Psf] xf] .

n]vf·g cfwf/ ;+nUg ljQLo ljj/0fx? g]kfnL ?k}ofFdf k|:t't ul/Psf] 5 tyf P]ltxfl;s nfutsf] cfwf/df tof/ kfl/Psf 5g\ . cGoyf pNn]v ul/Psfdf afx]s a}+ssf laQLo ljj/0fx? Pq'mcn (Accrual) cfwf/df tof/ kfl/Psf 5g\ . ljQLo ljj/0fx? ;j{dfGo n]vf l;4fGtx?, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# / sDkgL P]g, @)^#, g]kfn /fi6« a}+saf6 hf/L ul/Psf lgb]{lzsf / ;do ;dodf hf/L ul/Psf kl/kqx? tyf cGoyf pNn]v ePsf]df afx]s g]kfn n]vfdfg af]8{n] hf/L u/]sf g]kfn n]vfdfgx? cg'z/0f u/L tof/ kfl/Psf 5g\ . ljQLo ljj/0fx?sf] 9fFrf g]kfn /fi6« a}+såf/f hf/L ul/Psf] lgb{]lzsf cg'?k /x]sf] 5 .

g]kfn n]vfdfg cg'?k ljQLo ljj/0f tof/ kfbf{ s]xL n]vf cg'dfgx? ug'{sf ;fy} n]vf gLltx? nfu' ug]{ qmddf Joj:yfkgåf/f ljj]ssf] klg k|of]u ug{'kg{] x'G5 . oL cg'dfgx? lgod;+ut tyf ;fGble{s 5g\ eGg] Joj:yfkgsf] ljZjf; 5 . eljiodf oL cg'dfgx? km/s kg{ uPdf ;f]xL ;dosf] ljQLo ljj/0fdf n]vfÍg ul/g]5 .

k|d'v n]vf gLltx?sf] ;f/f+z ;+nUg ljQLo ljj/0fx? tof/ ug{ k|of]u ul/Psf d'Vo n]vf gLltx? tn pNn]v ul/Psf 5g\ . cGoyf pNn]v ePsf]df jfx]s oL gLltx?sf] kfngf Ps?kn] ul/Psf] 5 .

!= Jofh tyf cGo cfDbfgL s= shf{ tyf ;fk6Ldf k|fKt x'g] Jofh g]kfn /fi6« a}+ssf]

lgb]{zg jdf]lhd gub k|flKtsf] cfwf/df n]vfÍg ul/Psf] 5, h'g g]kfn n]vfdfg & sf] Pqm'cn cfwf/df n]vfÍg ug{'kg{] k|fjwfg eGbf leGg /x]sf] 5 . oBkL, @)&@ c;f/ d;fGtdf kfs]sf] t/ >fj0f !%, @)&@ leq gub k|fKt ePsf] AofhnfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf g+= $÷)&) adf]lhd cfDbfgLdf n]vfÍg ul/Psf] 5 .

v= nufgLaf6 cflh{t Jofh cfDbfgLnfO{ Pq'mcn cfwf/df n]vfÍg ul/Psf] 5 .

u= sldzg tyf z'Nsx?af6 ePsf] cfDbfgLnfO{ gub k|flKtsf] cfwf/df n]vfÍg ul/Psf] 5 . t/ k|lttkq÷Uof/]06Ldf k|fKt ePsf] ?=%,)),)))÷– eGbf a9Lsf] sldzgnfO{ ;f]xL k|lttkq÷Uof/]06Lsf] cjlw leqdf ckn]vg ul/Psf] 5 .

@= nfef“z cfDbfgL ;+:yfn] wf/0f u/]sf] z]o/x?df nfef+z k|fKt x'g] clwsf/ k|fKt eP kZrft cfDbfgL hgfOg] 5 . af]g; z]o/ k|fKt x'Fbf z]o/sf] v/Lb d'No kl/jt{g gu/L z]o/ ;+Vof dfq a9fOg] 5 .

#= ljb]zL ljlgdo sf/f]af/x?s= ljb]zL d'b|fsf] sf/f]af/x?nfO{ sf/f]af/ ul/Psf] ;dosf]

:k6 /]6df n]vfÍg ul/Psf] 5 .v= jf;nftsf] ldltdf sfod /x]sf] lab]zL d'b|fsf] ;DklQ

/ bfloTjx?nfO{ ;f]xL ldltsf] dWo ljlgdo b/n] g]kfnL ?k}ofFdf ?kfGt/0f ul/Psf] 5 .

u= ljb]zL ljlgdosf] vl/b / laqmL b/ aLrsf] cGt/af6 cfpg] cfo÷AoonfO{ ljb]zL ljlgdo sf/f]af/af6 ePsf] cfDbfgL÷vr{ (Trading Gain or Loss) sf] ?kdf b]vfO{Psf] 5 .

3= ljb]zL d'b|fdf /x]sf] ;DklQ / bfloTjx?nfO{ ?kfGt/0f ubf{ cfPsf] v'b km/s /sdnfO{ k'gd"{NofÍg cfDbfgL (Revaluation Gain) cGtu{t b]vfO{Psf] 5 . o:tf] cfDbfgLsf] @% k|ltzt /sd a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# bkmf $% cg';f/ gfkmf gf]S;fg afF8kmf8 lx;faaf6 ;6xL 36a9 sf]ifdf ;fl/Psf] 5 .

$= ;'g rf“bL sf/f]af/a}+sn] cfkm} v/Lb u/L jf :6s /fvL g]kfn /fi6« a}+såf/f hf/L lgb{]lzsf cg';f/ ;'g tyf rfFbLsf] sf/f]af/ ub{} cfPsf] 5 . ;'g tyf rfFbLsf] :6s /fVgsf] nflu ljqm]tfnfO{ lbPsf] cu|Ld e'QmfgL tyf pQm wft'x?df nfu]sf] eG;f/ nufot cGo z'Nsx?nfO{ cGo ;DklQ zLif{s cGtu{t n]vfÍg ul/Psf] 5 . a}+sn] ;'g rfFbL laqmL u/L To;df lglxt ;Dk"0f{ hf]lvd v/Lbstf{nfO{ x:tfGt/0f u/] kZrft dfq pQm sf/f]af/af6 k|fKt sldzgnfO{ cfDbfgL hgfpg] ub{5 .

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

^= gub tyf gub ;dfggub tyf gub ;dfg cGtu{t gub, g]kfn /fi6« a}+s, tyf cGo a}+s tyf ljQLo ;+:yfdf /x]sf] a}+s df}Hbft kb{5g\ .

&= nufgLx?s= ;/sf/L ;'/If0fkqx? -ljsf; C0fkq, 6«]h/L lan_

ljb]zL d'b|fsf] C0fkq, cNksfnLg tyf bL3{sfnLg nufgL, lwtf]kqdf nufgL tyf ljleGg sDkgLx?sf] C0fkqdf ul/Psf] nufgLnfO{ o; zLif{s cGtu{t n]vfÍg ul/Psf] 5 . nufgLx?nfO{ v/Lb nfutdf jf ckn]lvt nfutdf d"NofÍg ul/Psf] 5 .

v= nufgLx?nfO{ g]kfn /fi6« a}+ssf] lgb{]zfg';f/ lgoldt ?kdf Joj:yfkgåf/f k'g/fjnf]sg ul/Psf] 5 . nufgLx?nfO{ lgDgfg';f/ juL{s/0f ul/Psf] 5 .

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@62

c_ Jofkfl/s nufgL cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{

p2]Zon] ul/Psf nufgLx?nfO{ Aofkfl/s nufgLdf juL{s/0f ul/Psf] 5 . o:tf nufgLnfO{ ahf/ b/ cg'?k b}lgs ?kdf d"NofÍg u/L d"Nodf x'g] leGgtfnfO{ gfkmf÷gf]S;fg lx;fa vftfdf b]vfO{G5 .

cf_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL e'QmfgL ldlt;Dd wf/0f ug]{ ;sf/fTds dg;fo / e'QmfgL

ldlt;Dd wf/0f ug{;Sg] Ifdtf eO{ ul/Psf] nufgL o; ju{df kb{5 . e'QmfgL ldlt;Dd wf/0f ug]{ nufgLnfO{ ckn]lvt nfutdf d"NofÍg ul/Psf] 5 .

O_ laqmLsf] nflu pknAw nufgL Jofkfl/s nufgL / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL

cGtu{t gkg]{ ;Dk"0f{ nufgL o; ju{df kb{5 . ;fy}, e'QmfgL ldlt;Dd wf/0f gu/L ljqmL u/L d"No c;'n ug{] dgzfon] ul/Psf nufgLnfO{ klg o;} lzif{s cGtu{t juL{s/0f ul/Psf] 5 . o:tf nufgLx?nfO{ ahf/b/ cg'?k lgoldt ?kdf d"NofÍg u/L leGgtfnfO{ hu]8f dfkm{t ;dfof]hg ul/G5 . o:tf] nufgLsf] @ Ü a/fa/sf] /sdnfO{ nufgL ;dfof]hg hu]8fdf 5'§ØfOPsf] 5 .

u= ;ft lbgeGbf a9L cjlwsf] Placement nfO{ nufgLdf juL{s/0f ul/Psf] 5 / pQm nufgLnfO{ nfut d'Nodf n]vfÍg ul/Psf] 5 .

*= shf{;fk6L, clwljsif{ / ljn vl/b shf{;fk6L, clwljsif{ / ljn vl/b zLif{sdf a}+ssf] gLlt cg'?k u|fxsx?nfO{ k|ToIf ?kdf k|bfg ul/Psf] ljQLo ;'ljwf ;+nUg ul/Psf] 5 . o; cGtu{t rfn' k"FhL shf{, clwljsif{, cfjlws shf{, pkef]Qmf shf{ tyf k|fyldstf k|fKt If]q / lk5l8Psf] If]qdf k|jfx ePsf] shf{ kb{5g\ . shf{sf] v'b /sd / o;sf] gf]S;fgL Joj:yfnfO{ ljQLo ljj/0fsf] cg';'rL $=!# df ;dfj]z ul/Psf] 5 .

v/fa tyf lgliqmo shf{sf] plrt Joj:yf ug{sf] nflu a}+sn] ;+rfns ;ldltsf] :jLs[ltdf shf{ ckn]vg gLlt nfu' u/]sf] 5 . o; gLltdf ;dfj]z dfkb08x? ldnfg ePsf lglZrt shf{x?nfO{ a}+ssf] c;'nL ug{] clwsf/dfly k"jf{u|x g/fvL ckn]vg ul/Psf 5g\ .

(= sd{rf/L k]ZsL ;fk6L a}+ssf] lgod adf]lhd sd{rf/LnfO{ lbOPsf] C0f tyf ;fk6LnfO{ g]kfn /fi6« a}+saf6 hf/L lgb{]lzsf adf]lhd …cGo ;DklQÚ zLif{s cGtu{t b]vfO{Psf] 5 .!)= shf{ gf]S;fgL Joj:yf

s= shf{ ;fk6L, clwljsif{ / vl/b ul/Psf lanx?sf] ;DefJo gf]S;fgL Aoj:yf g]kfn /fi6« a}+saf6 hf/L lgb{]lzsf adf]lhd ul/Psf] 5 .

v= g]kfn /fi6« a}+ssf] lgb{]zg cg';f/ shf{ tyf ;fk6L /sdnfO{ shf{ gf]S;fgL Aoj:yf s§L u/L v'b /sdnfO{ jf;nftdf b]vfO{Psf] 5 .

!!= :yL/ ;DklQ / x|f; s§L s= :yL/ ;DklQx?nfO{ P]ltxfl;s d"Nodf ;+lrt x|f; /sd

s6[L u/L n]vfÍg ul/Psf] 5 . ;DklQnfO{ k|of]udf Nofpg nfu]sf] k|ToIf nfutnfO{ ;DklQsf] nfutdf ;dfj]z ul/Psf] 5 .

v= PsfO{ d"No ?= %,)))÷– eGbf sd ePsf :yL/ ;DklQx?nfO{ vl/b ul/Psf] jif{df g} vr{ hgfO{Psf] 5 .

u= x|f; vr{nfO{ l:y/ ;DklQsf] cfo'sf cfwf/df 36\bf] df}Hbft k4ltsf cfwf/df gfkmf gf]S;fg lx;fadf n]vfÍg ul/Psf]5 . x|f; vr{sf] b/x? lgDgfg';f/ /x]sf 5g\ .

qm=;+= :yL/ ;DklQsf k|sf/ x|f;s§L -k|ltzt_÷ ckn]vg cjlw

!= wft'sf kmlg{r/ !)Ü

@= sf7sf kmlg{r/ !%Ü

#= sfof{no pks/0f !%Ü

$= Pl6Pd !%Ü

%= sDKo'6/ @)Ü

^= sDKo'6/ – sd{rf/L @%Ü

&= h]g]/]6/ !%Ü

*= ;jf/L ;fwg – sfof{no !%Ü

(= ;jf/L ;fwg – sd{rf/L @)Ü

!)= a}+lsË ;ˆ6j]o/ !) jif{

!!= cGo ;ˆ6j]o/ O{hfht cjlw jf v/Lb ul/Psf] % jif{, h'g sd x'G5

!@ lnhxf]N8 ;DklQ k§f cjlwdf ckn]vg ul/g]

-3_ :yL/ ;DklQ v/Lbsf] nflu lbO{Psf] clu|d e'QmfgL tyf c;f/ d;fGt ;Dddf k|of]udf cfOg;s]sf] ;DklQsf] nfutnfO{ …cGo ;DklQÚ cGtu{t clu|d e'QmfgL lzif{sdf b]vfO{Psf] 5 .

!@= u}/ a}+ls· ;DklQu}/ a}+lsË ;DklQ eGgfn] a}+sn] shf{ k|jfx ubf{ lwtf]sf] ?kdf lnPsf] / shf{ c;'nL ug{] l;nl;nfdf ;sf/]sf] ;DklQx? x'g\ . To:tf ;DklQx?nfO{ g]kfn /fi6« a}+ssf] lgb{]zfg';f/ plrt ahf/ b/ jf C0fL;Fu c;'n ug{ afFsL s'n /sd dWo] h'g sd x'G5 ToxL d'Nodf n]vfÍg ul/Psf] 5 . u}/ a}+lsË ;DklQdf g]kfn /fi6« a}+ssf] lgb{]zfg';f/ ;Defljt gf]S;fgL Joj:yf ul/Psf] 5 .

!#= ;6j]o/ vr{s= a}+sn] k|of]u ul//x]sf]] a}+lsË ;ˆ6j]o/ Temenos T24 nfO{

d'No tyf k|of]udf NofpFbf nfu]sf cGo nfutx? ;d]t k'FhLs[t u/L :yL/ ;DklQ cGtu{t crn ;DklQdf n]vfÍg u/L !) jif{sf] cjlwdf ;dfg'kflts cfwf/df ckn]vg ul/Psf] 5 .

v= cGo ;ˆ6j]o/x?nfO{ klg vl/b d"No tyf k|of]udf NofpFbf nfu]sf] cGo nfutx? ;d]t k'FhLs[t u/L :yL/ ;DklQdf n]vfÍg ul/Psf] 5 . oL ;ˆ6j]o/x?nfO{ v/Lb ePsf] ldlt b]lv % jif{ jf ;ˆ6j]o/sf] Ohfht cjlw, h'g sd x'G5, ;f] cjlwdf ckn]vg ul/Psf] 5 .

!$= sd{rf/L ;'ljwfx?Ms sd{rf/L ;+rosf]if of]ubfg /sdnfO{ ;f]xL jif{df vr{

hgfOPsf] 5 / ;f] /sd :jtGq :jLs[t cjsfz sf]ifdf hDdf ul/Psf] 5 .

v= sd{rf/L ;]jf ljlgodfjnL cg';f/ lglZrt k"0f{sflng ;]jf cjlw kZrft sd{rf/L pkbfgsf] bfloTj jxg

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@63

ul/G5 . cf=j= @)&!÷&@ sf nflu a+}s;Fu pknAw plrt d"Nof+Ígsf cfwf/x? k|of]u u/L pkbfgsf] Joj:yf ul/Psf] 5 .

u= a}+ssf sd{rf/Ln] 3/ labf, lj/fdL labf tyf jflif{s ljbf afkt kfpg] /sdnfO{ e'QmfgL x'g] ;dodf g} n]vfÍg ug]{ ul/Psf] 5 . a}+s;Fu pknAw plrt d"Nof+Ígsf cfwf/x? k|of]u u/L xfn;Dd ;+lrt 3/ ljbf tyf lj/fdL ljbfsf nflu vr{ Joj:yf ul/Psf] 5 .

!%= sd{rf/L af]g; Joa:yfsd{rf/L af]g; Joa:yf af]g; P]g, @)#) adf]lhd cfos/ cl3sf] v'b gfkmfsf] !) k|ltztsf b/n] s§f ul/Psf] 5 .

!^= d;nGba}+sn] vl/b u/]sf] d;nGbnfO{ vl/b d'Nodf cGo ;DklQ cGtu{t b]vfO{Psf] 5 / pkof]usf] cfwf/df vr{ n]lvPsf] 5 .

!&= s/ Aoj:yfs= cfos/ vr{df rfn' cfly{s jif{df ltg{'kg{] s/

Joj:yf tyf :yug s/ ;dfj]z ul/Psf] 5 .v= s/ Joj:yf ul/Psf] /sd a9L cyjf 36L x'g uPdf

s/ lgwf{/0f ePsf] jif{df gfkmf÷gf]S;fg lx;fadf ;dfof]hg ul/g]5 .

u= :yug s/ ;DklQ÷bfloTjsf] lgwf{/0f g]kfn n]vfdfg )( cg'?k ljQLo ljj/0fdf pNn]lvt ;DklQ÷bfloTjsf] carrying d"No tyf cfos/ P]g cg';f/ lgwf{l/t ;DklQ÷bfloTjdf ePsf] km/ssf] cfwf/df ul/Psf] 5 . :yug s/ ;DklQ÷bfloTjnfO{ gfkmf gf]S;fg vftfdf vr{÷cfDbfgL hgfO{ jf;nftdf cGo ;DklQ÷bfloTj lzif{sdf b]vfpg] gLlt lnO{Psf] 5 . :yug s/ ;DklQ÷bfloTj lgwf{/0f ubf{, h'g jif{df ;DklQ÷bfloTjsf] c:yfoL km/sx? ;dfof]hg x'G5g\, ;f]xL jif{sf] cg'dflgt s/sf] b/ k|of]u ul/Psf] 5 .

!*= ;DklQsf] Ifoa}+sn] lgoldt ?kdf ;DklQdf x'g ;Sg] Ifosf] klxrfg u/L To:tf] ;Defjgf /x]df pQm ;DklQsf] lg;u{af6 c;'n x'g ;Sg] /sdsf] d'Nof+Íg ug{] u/]sf] 5 . s'g} ;DklQ k|of]u ul//xg nfUg] nfut To;sf] lg;u{af6 c;'n x'g ;Sg] /sd eGbf a9L ePdf pQm ;DklQ Ifo ePsf] klxrfg ul/G5 / ;f] nfO{ gfkmf gf]S;fg lx;fadf n]vfÍg ul/G5 .

shf{ nufgLdf Ifo ePdf g]kfn /fi6« a}+ssf] lgb{]zg adf]lhd shf{ gf]S;fgL Joj:yf ul/G5 . Ifo x'g ;Sg] ;Defjgf /x]df lgoldt shf{ gf]S;fgL Joj:yf afx]s cltl/Qm Joj:yf ;d]t ug{ ;lsg]5 .

!(= ;~rfng k§fa}+sn] cfˆgf] sfof{no ;~rfngfy{ b'j} kIf -3/ wgL tyf a}+s_ sf] ;xdltdf ;Demf}tf vf/]h ug{ ;lsg] Joj:yf /fvL k§f ;Demf}tf u/]sf] 5 . ;~rfng k§f e'QmfgLnfO{ g]kfn n]vfdfg !% cg';f/ k§f z'? ePsf] ldlt b]lv vr{df n]vfÍg ul/Psf] 5 .

@)= ;Defljt bfloTjx?ljutsf ultljwLsf] sf/0fn] ;[hgf ePsf] tyf cg'dfg ug{ ;lsg] / gub k|jfx x'g] ;Defjgf /x]sf] bfloTjnfO{ vr{ Joj:yf ul/Psf] 5 . eljiodf gub k|jfx x'g] ;Defjgf sd /x]sf] sf/f]af/x¿nfO{ ;Defljt bfloTj cGtu{t b]vfO{Psf] 5 . eljiodf gub k|jfx x'g] ;Defjgf Go"g /x]sf] bfloTj tyf ;DklQx? vr{ Joj:yf tyf ;Defljt bfloTj b'j} cGtu{t b]vfO{Psf] 5}g .

;Dk"0f{ ;Defljt bfloTjx?nfO{ jf;nfts} c+zsf ?kdf 5'§} cg';'rLdf b]vfOPsf] 5 .

@!= ut jif{sf] /sd tyf Rounding off

ljQLo ljj/0f g]kfnL ?k}ofFdf k|:t't ul/Psf] / bzdna k5fl8sf] c+snfO{ lgs6td ?k}ofFdf b]vfO{Psf] 5 . ut jif{sf] c+sx?nfO{ cfjZostfg';f/ k'gjuL{s/0f tyf k'gM ;dfof]hg ul/Psf] 5 .

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@64

!= Aofh cfDbfgL Mcfly{s jif{sf] cGt;Dddf shf{ tyf ;fk6Laf6 p7\g afFsL ;Dk"0f{ AofhnfO{ g]kfn /fi6« a}+ssf] lgb{]zfg';f/ Aofh d'NtaL vftfdf :yfgfGt/0f ul/Psf] 5 . @)&@ c;f/ d;fGtdf kfs]sf] t/ >fj0f !%, @)&@ leq gub k|fKt ePsf] AofhnfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf g+= $÷)&) adf]lhd cfDbfgLdf n]vfÍg ul/Psf] 5 .

>fj0f !%, @)&@ ;Dddf c;"nL ePsf] ?= $,)$,@(,*%! a/fa/sf] Aofh /sd cg';"rL !^ df b]vfOPsf] 5 .

@= sd{rf/L cfjf; sf]if Ma}+sn] of]Uo sd{rf/Lx?sf] nflu sd{rf/L ;]jf ljlgodfjnL cg';f/ cfjf; shf{ pknAw u/fpFb} cfPsf] x'gfn] >d P]g @)$* cg';f/sf] 5'§} cfjf; sf]if agfOPsf] 5}g .

#= sd{rf/L af]g; Aoj:yf Msd{rf/L af]g; P]g @)#) cg';f/ af]g; vr{ cfos/ afkt Joj:yf ug{'k"j{ tyf af]g; Joj:yfkl5 x'g cfpg] d'gfkmf /sdsf] !) k|ltztsf] b/n] Joj:yf ul/Psf] 5 .

$= pkbfg sf]if Msd{rf/L ;]jf ljlgodfjnL cg';f/ lglZrt k"0f{sflng ;]jf cjlw kZrft sd{rf/L pkbfgsf] bfloTj jxg ul/G5 . cfly{s jif{ @)&)÷&! sf nflu a}+s;Fu pknAw plrt d"NofÍgsf cfwf/x? k|of]u u/L ?= ##,!&,#*& sf] pkbfg bfloTj Aoj:yf ul/Psf] 5 .

%= ;+lrt ljbfsf] e'QmfgL Ma}+ssf] sd{rf/L ;]jf ljlgodfjnL cg';f/ lj/fdL ljbf jf 3/ ljbf a9Ldf ^) lbg;Dd ;+lrt ug{ ;lsg] / ^) lbg eGbf a9L x'g cfPsf] ljbfnfO{ To;} jif{sf] cGTodf e'QmfgL ug{'kg{] tyf sd{rf/Ln] a}+saf6 cjsfz k|fKt u/L jf /fhLgfdf lbO{ a}+ssf] ;]jfaf6 cnu ePdf lghsf] ;+lrt lj/fdL ljbf / 3/ ljbf jfkt e'QmfgL lbg'kg{] k|fjwfgsf nflu a}+s;Fu pknAw /x]sf] plrt d"NofÍgsf cfwf/x? k|of]u u/L ?= #*,#),$(& sf] ;+lrt ljbf e'QmfgL Aoj:yf ul/Psf] 5 .

^= ;fwf/0f hu]8f Ma}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] k|fjwfg cg';f/ o; jif{sf] d'gfkmfsf] @) k|ltzt afkt ?= $,^),)$,)^$ -ut aif{sf] ?= $,&^,!(,*%@_ gfkmf÷gf]S;fg afF8kmfF8 lx;faaf6 ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 .

&= nufgL ;dfof]hg hu]8f tyf Joj:yf Ma}+sn] g]kfn lSnol/Ë xfp; lnld6]8sf] z]o/df nufgL u/]sf]df g]kfn /fi6« a}+ssf] lgb{]zg g+ *÷)&) cg';f/ nufgL ;dfof]hg hu]8fsf] Joj:yf ug{' gkg{] .

cg'';"rL $=##

n]vf ;DaGwL l6Kk0fLx?

a}+sn] dlxnf ;xofqf n3' ljQ ;+:yf lnld6]8 tyf u|f]df]/ dr{]G6 a}+s/ lnld6]8sf] z]o/df nufgL u/]sf] / pQm z]o/ g]kfn :6s PS;r]Ghdf ;'rLs[t eOg;s]sf]n] g]kfn /fi6« a}+ssf] lgb{]zg g+ *÷)&) cg';f/ s'n nufgLsf] ztk|ltzt cyf{t qmdzM ? $),)),))) / ? !%,)),))) nufgL ;dfof]hg hu]8fsf] Joj:yf ul/Psf] 5 .

To;}ul/ a}+sn] hg/n OG:of]/]G; sDkgLsf] z]o/df klg nufgL u/]sf] / pQm sDkgL xfn ;Dd klg ;+rfngdf gcfPsf] x'gfn] g]kfn /fi6« a}+ssf] lgb{]zg g+ *÷)&) adf]lhd pQm sDkgLdf ul/Psf] nufgLsf] zt k|ltzt /sdsf] nufgL hf]lvd Joj:yf ul/Psf] 5 .

*= k'“hL ;dfof]hg sf]if Ma}+sn] g]kfn :jf:Yo ;]jf ;xsf/L lnld6]8af6 k|fKt x'g'kg{] Aofh /sd ? &$,^&,!^$ nfO{ g]kfn /fi6« a}+ssf] :jLs[lt cg';f/ kF'hLs[t u/]sf] / ;f]xL l:js[lt adf]lhd pQm /sdnfO{ gfkmf gf]S;fg afF8kmfF8 lx;faaf6 kF'hL ;dfof]hg sf]ifdf /sdfGt/ ul/Psf] 5 .

(= lx;fa ldnfg l:ylt Ma}+sn] lgoldt ?kdf zfvf tyf cGo a}+s;Fusf] vftfx?sf] lx;fa ldnfg ug{] u/]sf] 5 . o; cfly{s jif{sf] cGt;Dddf l/sG;fOn ePsf t/ ldnfg x'g afFsL /sdsf] l:ylt lgDg adf]lhd /x]sf] 5 .

?= xhf/df

ljj/0f s"n /sd

# dlxgf ;Ddsf]

# b]lv ^ dlxgf ;Ddsf]

^ dlxgf b]lv ! aif{

;Ddsf]

! aif{ eGbf

dflysf]

cGt/ zfvf – – – – –

cGo a}s vftf 89,025 87,198 549 203 1,075

!)= ;~rfng k§f Ma}+sn] cfˆgf] sfof{no k|of]hgsf] nflu b'j} kIfsf] ;xdltdf vf/]h ug{ ;lsg] Joj:yf /fvL k§f ;Demf}tf u/]sf] 5 .

vr{ n]lvPsf] k§f e'QmfgLsf] lj:t[t ljj/0f o; k|sf/ /x]sf] 5 . ?= xhf/df

ljj/0f /sd

Go"gtd k§f e"QmfgL 36,621;x k§f e"QmfgL -hDdf_ 21,068;Defljt k§f vr{ –

!!= cfos/ bfloTj Mcfos/ P]g @)%* cg';f/ cfos/ Joj:yf ul/Psf] 5 . ljQLo ljj/0fdf cfos/ Joj:yfaf6 clu|d s/ s§f u/L s'n /sd k|:t't ul/Psf] 5 .

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@65

!#= ;6xL 36a9 hu]8f Ma}+sn] a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# bkmf $% cg';f/ ljb]zL ljlgdo k"gd{"NofÍg cfDbfgLsf] @% k|ltzt /sd ?= @*,&!,^)@ -ut aif{ ?= !*,#*,^$&_ gfkmf gf]S;fg afF8kmfF8 lx;fadf vr{ n]vL ;6xL 36a9 hu]8fdf /sdfGt/ ul/Psf] 5 .

!$= ;DalGwt kIf Ma}+ssf] k|d'v Joj:yfkg cGtu{t k|d'v sfo{sf/L clws[t tyf ;+rfns ;ldltsf ;b:ox? o; k|sf/ /x]sf 5g\ .

>L O{= OR5f /fh tfdfË ;+rfns ;ldlt cWoIf>L cDaL/ af]u6L ;+rfns>L k|sfz tfon ;+rfns>L ljgf]b nfn >]i7 ;+rfns>LdtL /Ltf >]i7 ;+rfns>L ;+ud s]=;L= ;+rfns>L 3g]Gb| axfb'/ >]i7 ;+rfns>L ldqnfn >]i7 ;+rfnsk|f= 8f= /d]z bfxfn ljz]if1 ;+rfns>L lszf]/ dxh{g k|d'v sfo{sf/L clws[t

;+rfnsx?sf]] a}7s eQf M?= xhf/df

ljj/0f /sd

a}7s eQf -;~rfnsx?nfO{_ 792

sfo{sf/Lx?sf]] kfl/>ldssf] ljj/0f M

?= xhf/df

ljj/0f /sd

cNksflng sd{rf/L ;"ljwf 28,462cjsfz sf]if 1,752cGo lb3{sflng ;"ljwfx?

lgj[lQ e/0f

z]o/df cfwfl/t e"QmfgL

Joj:yfksLo sd{rf/Lx?sf] kfl/>ldssf] ljj/0f M

?= xhf/df

ljj/0f /sd

cNksflng sd{rf/L ;"ljwf 31,995cjsfz sf]if 2,078cGo lb3{sflng ;'ljwfx?

lgj[lQ e/0f

z]o/df cfwfl/t e"QmfgL

!@= :yug s/ ;DklQ÷-bfloTj_ M?= xhf/df

ljj/0f lstfaL d"No

s/df cfwfl/t

/sd

km/s ;DklQ÷ bfloTj

cjsfz ;'ljwf –pkbfgsf] Joj:yf 8,364 – 8,364;+lrt ljbf e"QmfgL Joj:yf 8,551 – 8,551hDdf :yug s/ ;DklQ÷-bfloTj_

16,915 – 16,915

:yL/ ;DklQ -dd{t ul/Psf] ;d]t_ x|f;s§L kl5sf] :yL/ ;DklQ

3,13,246 2,75,097 -38,148_

:yL/ ;DklQsf] :yug s/ ;DklQ÷-bfloTj_

3,13,246 2,75,097 -38,148_

s/ of]Uo 3f6f – – –cfos/ u0fgf cg";f/sf] 3f6f – – –-s/ of]Uo 3f6f_ – – –s/ of]Uo 3f6faf6 cfPsf] :yug s/ ;DklQ

– – –

s/sf] b/ – – 30∞hDdf :yug s/ ;DklQ÷-bfloTj_

– – -6,370_

:yug s/ bfloTj g]kfn n]vfdfg )( cg';f/ :yug s/ ;DklQ s§f u/L v'b /sddf b]vfO{Psf] 5 .

s/ vr{ tyf n]vf cg';f/sf] gfkmf larsf] ;DjGwsf] ljj/0f ?= df

ljj/0f o; aif{n]vf cg';f/sf] gfkmf (Accounting Profit) 32,93,75,211

#) k|ltztsf b/n] nfUg] s/ 9,88,12,564s/ of]Uo d'gfkmf lgwf{/0f ug]{ k|of]hgsf nflu 36fpg jf hf]8\g gldNg] vr{

;DklQ lg;u{ 14,04,175x|f; lx;fa 281;+:yfut ;fdflhs pQ/bfloTj – k|fs[lts k|sf]k, e'sDk

8,69,361

cGo ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ -6,30,000_nfef+z cfDbfgL -51,300_;fljssf] PlS;; 8]enkd]G6 a}+s ln= af6 ;fl/Psf] gf]S;fgL

-10,50,186_

hDdf s/ vr{ -:yug s/ ;lxt_ 9,93,54,894

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@66

;DalGwt sDkgL÷JolQmx?;Fusf] sf/f]af/ M

?= xhf/df

ljj/0f /sd

lgIf]k 2,49,540

;DalGwt sDkgLnfO{ ltl/Psf] z'Ns M

?= xhf/df

ljj/0f /sd

z]o/ /lhi6«f/ 920

;DalGwt kIfx?nfO{ lbOPsf] shf{ Mk"j{ PlS;; 8]enkd]G6 a}+ssf ;+:yfks tyf lghsf kl/jf/x?n] pkef]u ub{} cfPsf], g]kfn /fi6« a}+ssf] dh{/ lgb{]lzsf @)^* sf] kl/R5]b $ bkmf !! -u_ cGtu{t gkg{] shf{ /sd ?= #,@%,#**÷%# nfO{ g]kfn /fi6« a}+ssf] lgb]{zfg';f/ k|fylds k"FhLaf6 36fOPsf] 5 .

!%= lgIf]k bfloTjsf] ;+lIfKt ljj/0f M?= xhf/df

ljj/0f cf=j= @)&!÷)&@

cf=j= @)&)÷)&!

km/s

rNtL lgIf]k 84,87,95 52,06,34 32,81,61

art lgIf]k 3,92,52,02 3,63,45,49 29,06,53d'2tL lgIf]k 14,57,94,44 11,30,17,35 3,27,77,09dflh{g lgIf]k 26,42,00 24,76,36 1,65,64sn lgIf]k 7,03,87,83 6,34,47,42 69,40,41

!^= Aofh d'NtaL Ms= Aofh cfDbfgLnfO{ gub k|flKtsf] cfwf/df n]vfÍg ul/Psf]

5 .v= ldlt @)&@÷)#÷#! df c;'n x'g afFsL Aofh

?=!(,%%,&#,#$& nfO{ g]kfn /fi6« a}+ssf] lgb{]zfg';f/ Aofh d'NtaL vftfdf /sdfGt/ ul/Psf] 5 . oBkL, @)&@ c;f/ d;fGtdf kfs]sf] t/ @)&@ >fj0f !% leq gub k|fKt ePsf] Aofh /sd ?= $,)$,@(,*%! nfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf g+= $÷)&) adf]lhd cfDbfgLdf n]vfÍg ul/Psf] 5 .

!&= ef/Lt cf};t Aofh b/ M

k"FhL tyf bfloTj k|ltzt

shf{ tyf nufgLsf] ef/Lt cf};t Aofh b/ 10=25lgIf]k tyf ;fk6Lsf] ef/Lt cf};t Aofh b/ 5=92v"b km/s b/ 4=33

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@67

!*= Dofb cjlwsf] cfwf/df ;DklQsf] juL{s/0f M?= bz nfvdf

ljj/0f Dofb cjlw hDdf;DklQ 190 lbg 91–180

lbg 181–270

lbg271– 365

lbg1 jif{ eGbf

a(Lgub df}Hbft 568 ” ” ” ” 568 a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 2,440 ” ” ” ” 2,440 ljb]zL a}+sdf ul/Psf] nufgL 457 ” ” ” ” 457 dfu tyf cNk ;"rgfdf k|fKt x"g] nufgL 245 ” ” ” ” 245 ;/sf/L ;"/If0fkq 1,400 ” ” 1,790 200 3,390 g]=/f=a}+s C0fkq ” ” ” ” ” ” cGt/ a}+s tyf ljQLo ;+:yf ;Fk6L ” ” ” ” ” ” shf{ ;fk6 tyf ljN; v/Lb 6,082 2,394 2,805 3,928 7,957 23,166 Kffpg' kg]{ Jofh 236 ” ” 1 ” 237 l/e;{ l/kf] ” ” ” ” ” ” k|lta4tf cGtu{t cGo ;+:yfx?af6 k|fKt x"g] ” ” ” ” ” ”

qm=;= 20, 21 / 22 sf ;"ljwfx?sf] e"QmfgL 1,011 1,224 400 279 1,189 4,103 cGo 181 93 4 2 468 747 s"n ;DklQ -s_ 12,620 3,711 3,209 6,000 9,814 35,354 bfloTjrNtL lgIf]k 556 111 111 111 223 1,113 art lgIf]k 1,178 785 393 393 1,178 3,925 sn lgIf]k 3,519 704 704 704 1,408 7,039 d"2lt lgIf]k 3,059 3,281 3,930 3,651 659 14,579 C0fkqx? ” ” ” ” ” ” ;fk6L ” ” ” ” ” ” s= dfu tyf cNk ;"rgfdf ltg{"kg{] ” ” ” ” ” ” v= cGt/ a}+s÷laQLo ;+:yf ” ” ” ” ” ” u= k"gMshf{ ” ” ” ” ” ” #= cGo ” ” ” ” ” ” cGo bfloTj, k"+hL tyf hu]8f sf]ifx? M 387 4 0 3 74 469 s= ;08«L qm]l86;{ 1 ” ” ” ” 1 v= e"QmfgL lbg'kg]{ jLnx? 15 ” ” ” ” 15 u= e"QmfgL lbg'kg]{ Aofh 2 ” ” ” ” 2 3= vr{sf] Joj:yf ” ” ” ” 26 26 8= cGo 369 4 0 3 48 425 cGo 1,129 1,339 535 551 4,500 8,054 kF'hL tyf hu]8fx? ” ” ” ” 3,288 3,288 ckl/jTo{ shf{ k|ltj4tf 118 115 134 272 23 662 Acceptance Liability 177 54 ” 2 3 236 k|ltt kq 215 880 118 103 709 2,025 hdfgt 619 289 282 175 477 1,842 s"n bfloTj -v_ 9,829 6,224 5,672 5,413 8,041 35,179 v"b ;DklQ -s–v_ 2,791 -2,512_ -2,463_ 587 1,773 175 ;+lrt v"b ;DklQ 2,791 278 -2,185_ -1,598_ 175 ”

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@68

!(= shf{ gf]S;fgL hf]lvd ;DaGwL Aoj:yf tyf hf]lvd Aoxf]g{] sf]ifaf6 lkmtf{ Mcfly{s jif{ @)&!÷&@ df g]kfn /fi6« a}+ssf] lgb{]zfg';f/ ? #*,%),$#,*!@ ;+efljt shf{ gf]S;fgL Joj:yfdf vr{ hgfO{Psf] / ?= !&,@&,%^,#(! hf]lvd Aoxf]g{] sf]ifaf6 lkmtf{ u/L hDdf ?= @!,@@,*&,$@) a/fa/ v'b vr{ gfkmf–gf]S;fg lx;fadf bzf{OPsf] 5 .

@)= a}+ssf] ;DklQ lwtf] /fvL lnOPsf] ;fk6L Ma}+ssf] ;DklQ lwtf] /fvL s'g} klg ;fk6L lnO{Psf] 5}g .

@!= :yL/ ;DklQsf] x|f; s§L Mcfly{s jif{ @)&!÷&@ Dff :yL/ ;DklQdf ?= $,$#,*$,(## / lnhxf]N8 ;DklQdf ?= !,%(,*@,(## x|f; s§L ul/Psf] 5 . ;f] ;DaGwL vr{ cg';"rL @$ df bzf{OPsf] 5 .

@@= cGo ;DklQsf] Joj:yf Ma}+sn] ;d:ofu|:t ljQLo ;+:yfx? s|dzM ;Demgf kmfOgfG; ln=, g]kfn z]o/ dfs]{6;\ P08 kmfOgfG; ln=, lxdfno kmfOgfG; ln= / uf]/vf ljsf; a+}s ln= df /x]sf] lgIf]k / kz'ktL /]ld6 g]kfn ln=af6 c;'n ug{ afFsL s'n /sd ?=!,&),($,(#( afkt zt k|ltzt hf]lvd Joj:yf sfod u/]sf] 5 . o; dWo] ;Demgf kmfOgfG; / kz'klt /]ld6 g]kfn ln=af6 lng afFsL /sdnfO{ ;fljssf] PlS;; 8]enkd]G6 a}+sn] tyf g]kfn z]o/ dfs{]6\; P08 kmfOgfG; ln= / lxdfno kmfOgfG; ln= af6 lng afFsL /sdnfO{ ;fljssf] l;len dr{]G6 ljQLo ;+:yfn] cf–cfˆgf] gfkmf gf]S;fg lx;fadf n]vfÍg ul/;s]sf] 5 . uf]/vf ljsf; a}+s ln= af6 lng afFsL /sdnfO{ ut cfly{s jif{df hf]lvd Joj:yf u/L gfkmf gf]S;fg lx;fadf n]vfÍg ul/Psf] 5 . o; cfly{s jif{df g]kfn z]o/ dfs{]6\; P08 kmfOgfG; lnld6]8 af6 ?= @!,)),))) c;"n ul/Psf]n] ;f]xL cg';f/ hf]lvd Joj:yfaf6 lkmtf{ ul/Psf] 5 .

qm=;+=

ljj/0f /sd gf]S;fgL Joj:yf

n]vfÍg ul/Psf] cf=j=

! ;Demgf kmfOgfG; lnld6]8 -d'2tL vftf_

1,10,18,671 1,10,18,671 2067”068

@ ;Demgf kmfOgfG; lnld6]8 -sn vftf_

6,517 6,517 2067”068

# uf]/vf ljsf; a}+s lnld6]8

13,380 13,380 2070”71

$ kz'klt /]ld6 g]kfn lnld6]8

27,09,810 27,09,810 2070”71

% lxdfno kmfOgfG; lnld6]8

27,88,450 27,88,450 2070”71

^ g]kfn z]o/ dfs{]6\; P08 kmfOgfG; lnld6]8

5,58,111 5,58,111 2070”71

1,70,94,939 1,70,94,939

@#= ;xfos sDkgL Mo; a}+ssf] xfn;Dd s'g} klg ;xfos sDkgL gePsf] .

@$= e'QmfgL ug{af“sL nfef+z Me'QmfgL ug{ afFsL nfef+znfO{ cg';'rL $=& df b]vfOPsf] 5 . t/ ;fljssf] PlS;; 8]enkd]G6 a}+ssf] nfef+z e'QmfgLsf] ;Dk"0f{ lhDd]jf/L z]o/ /lhi6«f/ l;len Soflk6n dfs{]6 ln= nfO{ lbOPsf] x'gfn] pQm ;+:yfsf] @)&@ c;f/ d;fGt ;Ddsf] e'QmfgL lbg afFsL nfef+z ?= %%,(#,&#)÷$$ nfO{ jf;nftdf ;dfj]z ul/Psf] 5}g .

@%= k|:tfljt af]g; z]o/ tyf gub nfef+z Ma}+ssf] ;+rfns ;ldltn] cfly{s jif{ @)&!÷&@ sf] nflu ^=&%Ü af]g; z]o/ lbg] l;kmfl/z u/]sf] 5 . k|:tfljt af]g; z]o/ ;fwf/0f ;efaf6 kfl/t eP kZrft a}+ssf] r'Qmf k'FhLdf ?= !(,$(,@(,*#^ j[l4 x'g]5 .

a}+ssf] ;+rfns ;ldltn] cfly{s jif{ @)&!÷&@ sf] nflu )=#%%Ü gub nfef+z lbg] l;kmfl/z u/]sf] 5 . cfos/ P]g @)%* adf]lhd a}+lsË tyf ljQLo Joj;fo ug{] lgsfox? cfk;df uflePsf] ldltn] @ jif{ ;Dd uflePsf] lbgdf sfod z]o/wgLx?nfO{ dfq nfef+z s/ / kF'hLut nfe s/df 5'6 k|bfg ul/Psf] x'Fbf af]g; z]o/ / gub nfef+zdf ;f]xL cg';f/ s/ s§L ul/g]5 .

@^= l:y/ ;DklQsf] lg;u{ Mo; cfly{s jif{df @)&@ a}zfv !@ / @( ut]sf] e'sDkaf6 Ifltu|:t zfvfx?sf] lnhxf]N8 ;DklQ lg;u{ ul/Psf] 5 . lg;u{ ul/Psf] ;DklQsf] d"No @)&! r}q d;fGtsf] lstfaL d'No a/fa/ sfod ul/Psf] 5 . Ifltu|:t ;DklQsf] ;DalGwt jLdf sDkgL;Fu Ifltk"lt{ bfjL ul/Psf] 5 .

qm=;+= zfvf lg;u{ ul/Psf] /sd! :joDe" zfvf @!,*@,(#*=&&

@ cf?3f6 zfvf ^,)%,@%%=$#

# d]nDrL zfvf ^,@^,^)&=*)

$ afx|aL;] zfvf !@,$@,^)&=(@

s'n /sd $^,%&,$)(=(@

@&= /sdx? lgs6td ?k}ofFdf b]vfO{Psf 5g\ ./sdx? lgs6td ?k}ofFdf b]vfO{Psf 5g\ .

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@69

qm=;+= ;+:yfks÷;+:yfks ;d"x cGtu{t kg]{ z]o/wgLsf] gfd

;+:yfkssf] :jfldTjdf sfod

/x]sf] z]o/

shf{ ljj/0f s}lkmot

s'n lsQf ;+Vof

s'n r'Qmf kF"hLsf] k|ltzt

shf{ lnPsf] cGo a}+s÷ljQLo ;+:yfsf] gfd

shf{ /sd lwtf]df /x]sf] z]o/ lsQf

;+Vof

1 ho dxfzlQm 6«]8 OGe]i6d]G6 PG8 ;Knfo;{ k|f=ln=

3,04,227 0=99∞ dGh'>L kmfOgflG;on OlG:6Ro';g ln= 48,70,783 3,04,227 ”

2 axfb'/ tfdfª 2,14,790 0=70∞ uf]vf{ ljsf; a}+s 56,00,000 2,00,739 ”

3 k|dLnf zfSo 1,15,773 0=38∞ P; ljsf; a}+s 99,00,000 54,100 ”

hDdf 6,34,790 ” ” 2,03,70,783 5,59,066 ”

cg'';"rL $=#$

;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cfkm\gf] :jldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f-@)&@ ;fn cfiff9 d;fGt_

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@70

cg'';

"rL $=#%

ckl

/is

[t /

n]v

fk/L

IF0f

ePs

f] ljQ

Lo g

lth

fsf] t

'ng

fTd

s lj

j/0f

-@)&

@ ;fn

cfiff9 d

;fGt

_

qm=;

+=ljj/

0fckl/is[t

laQLo

laj/

0f

n]vfk/LIf0f

ePs

f]ljQLo

glt

hf

km/s

sf] sf/0f

km/s

/sd

k|ltz

t

!=

s'n k

"FhL ty

f bfloTj

-!=!

b]lv !

=& ;

Dd_

3,04,19,440

3,04,23,58

6 4

,146

0=01

∞

!=!

r'Qmf

k"FhL

28,8

7,849

30,82,77

9 1

,94,930

6=7

5∞k|:

tflj

t a

f]g; z

]o/sf] sf/0fn]

!=@

hu]8f tyf sf]ifx¿

4,18,036

2

,05,32

2 -2,12

,714

_”5

0=88∞

v'b gfkmfdf k

l/jt{g

ePs

f] tyf k|:tflj

t gu

b nfef+z / a

f]g;

z]o/

sf] s

f/0fn]

!=#

C0fkq

tyf a0

8x¿

”

”

”

”

!=$ ;

fk6L

”

”

”

”

!=%

lgIf]kx

¿ -s

+v_

2,66,56

,425

2

,66,56

,425

”

”

s

= :j

b]zL d'b|fdf

2,61,08

,485

2,61,08

,485

”

”

v= lab]z

L d'b|fdf

5,4

7,93

9 5

,47,93

9 ”

”

!=^

cfo

s/

bfloTj

”

”

”

”

!=&

cGo

bflo

Tjx¿

4,57,13

0 4

,79,06

0 2

1,93

0 4=80∞

cGo

bflo

Tjx?

sf] ;dfof]h

g ul/P

sf]

@=

s'n ;

DklQ

-@=!

b]lv @

=& ;

Dd_

3,04,19,440

3,04,25,68

6 6

,246

0=02

∞

@=!

gub

tyf a}+s

df}Hbft

30,07

,475

3

0,07

,475

”

”

@=@

dfu

tyf cNk

;"rgf

df k|fKt

x'g]

/sd

2,4

5,00

0 2

45,00

0 ”

”

@=#

nufg

L 3

8,56,11

8

38,56,11

8

”

”

@=$ s

hf{ tyf ;fk6

2,25,36

,295

2

,25,36

,295

”

0=00

∞s= l/on

:6]6

shf{

12,94

,219

1

2,94

,219

”

0=00

∞ != c

fjf;

Lo 3

/ shf{ -?= !

s/f]8 ;

Ddsf Ao

lQmu

t 3

/ shf{ af

x]s_

1,4

1,76

3 1

,41,76

3 ”

0=00

∞ @= Jof

j;flo

s e

jg t

yf cfjf;

Lo c

kf6{d

]06 lgd

f{0f shf{

1,08,585

1,08,585

”

0=00

∞ #= Jof

j;flo

s s

DKn]S;

shf{ -c

fo c

fh{g

x'g]_

1,17,13

5 1

,17,13

5 ”

0=00

∞ $= cGo

l/o

n :6]6

shf{ -Kn

l6Ë

tyf hUu

f vl/b_

9,26,73

6 9

,26,73

6 ”

0=00

∞v= ?= !

s/f]8 ;

Ddsf Ao

lQmu

t 3

/ shf{

10,43,36

4

10,43,36

4

”

0=00

∞u= dflh

{g k|s

[ltsf] shf{

11,92

0 1

1,92

0 ”

0=00

∞3= cfjlws s

hf{

59,53

,720

5

9,53

,720

”

0=00

∞ª= c

f]e/

8«fk\m6÷6«i

6 l/l;

K6÷rfn

' k"FhL shf{

1,16,61

,950

1

,16,61

,950

”

0=00

∞r= cGo

shf{

25,71

,122

2

5,71

,122

”

0=00

∞@=%

l:y/

;Dk

lQ 3

,17,90

8

3,13,24

6 -4,663

_”1

=47∞

x|f; ;

dfo

f]hg

tyf Iflt

u|:t

;Dk

lQsf] ;dfo

f]hg

@=^

u}/

a}+lsË

;Dk

lQ ”

”

”

0=00

∞@=&

cGo

;Dk

lQx¿

4,56,64

3 4

,67,55

2 1

0,90

9 2=3

9∞e'Qmfg

L kfpg'k

g]{ /s

d ;

dfo

f]hg

ul/Ps

f]

l;le

n a}+s

jflif{s

k|ltj]bg @)&!÷

)&@71

ckl/is[t

laQLo

laj/

0f

n]vfk/LIf0f

ePs

f]ljQLo

glt

hf

km/s

km/s

sf] sf/0f

/sd

k|ltz

t

#=

gfkmf

gf]S;

fg lx;

fa#=!

Aofh

cfDbfgL

21,92

,886

21,92

,024

-862

_ -0=00

_Ao

fh c

fDbfgL

;dfo

f]hg

#=@

Aofh

vr{

1 3

,41,27

5 1

3,41,27

5 ”

”

s

= v

'b Ao

fh c

fDbfgL

-#=!–

#=@_

8,51,61

1 8

,50,74

9 -862

_ -0=00

_#=#

sld

zg

tyf l8

isfp

06 5

4,546

55,15

8

612

1=1

2∞kfls

;s]sf] ljk|]z

0f s

ld;gn

fO{ y

k ul/Ps

f]

#=$ c

Go ;

~rfn

g cfDbfgL

] 6

7,97

7 6

5,57

8

-2,39

9_”3

=53∞

cfDbfgL

k'gj

{uL{s

/0f u/LPs

f]

#=%

;6x

L 36a

9 cfDbfgL

72,23

3 7

2,23

3 ”

”

v

= s

'n ;

~rfn

g cfDbfgL

-s

+#=#

+#=$

+#=%

_ 1

0,46,36

7 1

0,43,71

8

-2,64

9_”0

=25∞

#=^

sd{rf/L vr{

2,07,93

2 2

,07,93

3 1

0=00

∞#=&

cGo

;~r

fng

vr{

2,61,495

2

,60,35

0 -1,14

5_”0

=44∞

Staff

am

eniti

es ;

dfo

f]hg

u/]s

f]n]]

u=

;De

fljt

gf]S;

fgL Jo

j:yf

cl3

sf] ;~r

fng

d'gf

kmf -v

–#=^–#

=&_

5,76,94

0 5

,75,435

-1,50

5_”0

=26∞

l:jˆ

6, te

leph

one,

NEA

;dfo

f]hg

u/]s

f]]]

#=* ;

Deflj

t g

f]S;fg

L Jo

j:yfx¿

3,8

5,33

5 3

,85,04

4

-29

2_”0

=08∞

gf]S;

fgL Ao

j:yf

;dfof]h

gsf] sf/0fn]

3=

;~r

fng

d'gf

kmf -u

–#=*

_ 1

,91,60

5 1

,90,39

1 -1,21

4_

”0=63

∞#=(

u}/

;~r

fng

cfDbfgL

÷-g

f]S;fg

_ -v

'b_ 1

,723

1

,723

”

”

#=!)

;De

fljt g

f]S;fg

L Jo

j:yfa

f6 lkmtf{

1,77,24

8

1,74,8

56

-2,39

2_”1

=35∞

gf]S;

fgL Ao

j:yf

;dfof]h

gsf] sf/0fn]

ª=

lgo

ldt

sf/f]a

f/x¿

af6

ePs

f] d'gf

kmf÷

-vr{_ -3

+#(+

#=!)

_ 3

,70,57

5 3

,66,97

0 -3,60

5_”0

=97∞

#=!!

c;fd

fGo s

f/f]a

f/x¿

af6

ePs

f] d'gf

kmf÷

-vr{_ -v

'b_ ”

-4,657

_ -4,657

_ ”

ln

hxf]N8

;Dk

lQ w

rite

off u

l/Ps

f]n]

r=

af]g

; t

yf s

/ cl3

sf] d'gf

kmf -ª

+#=!!_

3,70,57

5 3

,62,31

3 -8,263

_”2

=23∞

#=!@

sd{rf/L af

]g; Joj

:yf

33,68

9 3

2,93

8

-75

1_”2

=23∞

dfly

ul/Ps

f] ;dfo

f]hgs

f sf/0fn]

#=!#

cfo

s/

Joj:

yf

99,34

2 9

9,35

5 1

3 0=01

∞

5=

v'b

gfkmf÷

-gf]S;fg

_ -r

—#=!@

–#=!#_

2,37,54

5 2

,30,02

0 -7,52

5_”3

=17∞

l;le

n a

}+s

jflif{s k

|ltj]b

g @)

&!÷)&

@72

qm=;+= ljj/0f o; aif{sf] rf}yf]q}dfl;s cGTo

o; aif{sf] t];|f]q}dfl;s cGTo

ut aif{sf] q}dfl;s cGTo

!= s'n k"FhL tyf bfloTj -!=! b]lv !=& ;Dd_ 3,04,19,440 2,95,67,708 2,54,25,479 !=! r'Qmf k"FhL 28,87,849 28,87,849 26,98,925 !=@ hu]8f tyf sf]ifx¿ 4,18,036 3,71,038 3,86,510 !=# C0fkq tyf a08x¿ ” ” ” !=$ ;fk6L ” 34,913 ” !=% lgIf]kx¿ -s+v_ 2,66,56,425 2,59,53,214 2,20,34,290 s= :jb]zL d'b|fdf 2,61,08,485 2,55,72,360 2,11,68,005 v= ljb]zL d'b|fdf 5,47,939 3,80,854 8,66,285 !=^ cfos/ bfloTj ” ” !=& cGo bfloTjx¿ 4,57,130 3,20,694 3,05,754

2 s'n ;DklQ -@=! b]lv @=& ;Dd_ 3,04,19,440 2,95,67,708 2,54,25,479 @=! gub tyf a}+s df}Hbft 30,07,475 43,92,920 43,33,768 @=@ dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 2,45,000 2,45,000 ” @=# nufgL 38,56,118 18,55,943 153,5,090 @=$ shf{ tyf ;fk6 2,25,36,295 2,22,86,058 1,86,70,148 s= l/on :6]6 shf{ 12,94,219 14,21,170 16,99,153 != cfjf;Lo 3/ shf{ -?= ! s/f]8 ;Ddsf AolQmut 3/ shf{ afx]s_ 1,41,763 2,91,432 1,90,828 @= Jofj;flos ejg tyf cfjf;Lo ckf6{d]06 lgdf{0f shf{ 1,08,585 1,20,373 5,60,373 #= Jofj;flos sDKn]S; shf{ -cfo cfh{g x'g]_ 1,17,135 87,674 19,800 $= cGo l/on :6]6 shf{ -Knl6Ë tyf hUuf vl/b_ 9,26,736 9,21,691 9,28,152 v= ?= ! s/f]8 ;Ddsf AolQmut 3/ shf{ 10,43,364 8,61,548 7,00,657 u= dflh{g k|s[ltsf] shf{ 11,920 14,256 64,012 3= cfjlws shf{ 59,53,720 56,41,383 48,74,220 ª= cf]e/ 8«fk\m6÷6«i6 l/l;K6÷rfn' k"FhL shf{ 1,16,61,950 1,20,01,598 88,58,836 r= cGo shf{ 25,71,122 23,46,103 24,73,270 @=% l:y/ ;DklQ 3,17,908 3,71,290 3,59,822 @=^ u}/ a}+lsË ;DklQ ” ” ” @=& cGo ;DklQx¿ 4,56,643 4,16,497 5,26,651

3 gfkmf gf]S;fg lx;fa#=! Aofh cfDbfgL 21,92,886 15,99,610 18,68,369 #=@ Aofh vr{ 13,41,275 9,50,985 12,55,593

s= v'b Aofh cfDbfgL -#=!–#=@_ 8,51,611 6,48,625 6,12,776 #=# sldzg tyf l8:sfp06 54,546 42,290 54,027 #=$ cGo ;~rfng cfDbfgL 67,977 49,351 65,175 #=% ;6xL 36a9 cfDbfgL 72,233 49,211 58,512

v= s'n ;~rfng cfDbfgL -s+#=#+#=$+#=%_ 10,46,367 7,89,477 7,90,490 #=^ sd{rf/L vr{ 2,07,932 1,50,676 1,57,251 #=& cGo ;~rfng vr{ 2,61,495 1,84,376 2,12,168

u= ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf -v–#=^–#=&_ 5,76,940 4,54,425 4,21,071 #=* ;Defljt gf]S;fgL Joj:yfx¿ 3,85,335 2,87,750 2,67,525

3= ;~rfng d'gfkmf -u–#=*_ 1,91,605 1,66,675 1,53,546 #=( u}/ ;~rfng cfDbfgL÷-gf]S;fg_ -v'b_ 1,723 ” ” #=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 1,77,248 1,32,756 2,32,371

ª= lgoldt sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -3+#=(+#=!)_ 3,70,575 2,99,431 3,85,917 #=!! c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷-vr{_ -v'b_ ” ” ”

r= af]g; tyf s/ cl3sf] d'gfkmf -ª+#=!!_ 3,70,575 2,99,431 3,85,917 #=!@ sd{rf/L af]g; Joj:yf 33,689 27,221 35,083 #=!# cfos/ Joj:yf 99,342 81,663 1,04,606

5= v'b gfkmf÷-gf]S;fg_ -r—#=!@–#=!#_ 2,37,545 1,90,547 2,46,228

4 cg'kftx¿$=! k"FhL kof{Kttf cg'kft 13=39∞ 13=46∞ 14=92∞$=@ lglis[o shf{÷s'n shf{ 3=20∞ 2=33∞ 1=88∞$=# s'n shf{ afkt hf]lvd Aoj:yf÷s'n lglis[o shf{ 84=77∞ 107=92∞ 113=48∞$=$ lgIf]ksf] nfut 5=92∞ 5=84∞ 7=18∞$=% shf{ lgIf]k cg'kft 76=53∞ 77=44∞ 77=02∞$=^ a]; /]6 8=99∞ 8=98∞ 9=44∞

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1. CAPITAL STRUCTURE AND CAPITAL ADEQUACY:

A) Tier 1 Capital and Its Breakdown:Core Capital (Tier 1) Amount in NPR

Paid up Equity Share Capital 2,887,849

Share Premium 1,077

Proposed Bonus Equity Shares 194,930

Statutory General Reserves 177,551

Retained Earnings 4,148

Capital Redemption Reserves 301

Capital Adjustment Fund 7,467

Total Core Capital 3,273,325

B) Tier 2 Capital and Its Breakdown:Supplementary Capital (Tier 2) Amount in NPR

General loan loss provision 205,623

Exchange Equalization Reserve 9,276

Investment Adjustment Reserve 5,500

Total Supplementary Capital 220,399

C) Detail of Subordinated Term Debts:There is no Subordinated Term Debts as of Ashadh End 2072

D) Deductions from Core Capital: Adjustments under Pillar II Amount in NPR

SRP 6.4a(2) Loans & Facilities extended to related parties and restricted lending 325

Total 325

E) Total Qualifying Capital:Particulars Amount in NPR

Core Capital (Tier 1) 3,272,999

Supplementary Capital (Tier 2) 220,399

Total Qualifying Capital 3,493,398

F) Capital Adequacy Ratio:Particulars Percentage of Total RWE

Capital Adequacy Ratio – Core Capital 12.79%

Capital Adequacy Ratio – Capital Fund 13.65%

G) Summary of Bank’s Internal approach to assess Capital Adequacy to support current and future activities:

The Bank has planned the business volume so as to maintain the Capital Adequacy Ratio (CAR) well above minimum required. The Bank’s paid up capital has reached NPR 2.89 billion after issuing 7% stock dividend

Amount '000s

Amount '000s

Amount '000s

Amount '000s

last year and will reach 3.08 billion after the approval of 6.75% stock dividend this year.

The Bank regularly assesses the Capital Adequacy Ratio as per the Internal Capital Adequacy Assessment Process (ICAAP) approved by the BOD. The Risk Management Committee, formed as per directives of Nepal Rastra Bank, also assesses the maximum risk appetite of the Bank to maintain adequate CAR.

2. RISK EXPOSURES :(A) Risk Weighted Exposures for Credit Risk, Market Risk and Operational Risk

Amount ‘000s

Risk Weighted ExposuresAmount in

NPR Risk Weighted Exposure for Credit Risk 23,968,374 Risk Weighted Exposure for Operational Risk 883,133 Risk Weighted Exposure for Market Risk 72,423Adjustments under Pillar II Add : Additional Risk Weight as per Capital Adequacy Framework 6.4 a 5Add : Additional Risk Weight as per Capital Adequacy Framework 6.4 a 7

171,655

Add : Additional Risk Weight as per Capital Adequacy Framework 6.4 a 9

498,513

Add : 3% of the Total RWE due to non-compliance to Disclosure (6.4 a 10)

Add :….% of the total deposits due to insufficient Liquid Assets (6.4 a 6)

Total Risk Weighted Exposures (After

Bank's adjustments of Pillar II)25,594,066

(B) Risk Weighted Exposure under each of 11 categories of Credit Risk

Amount ‘000s

Category of Credit RiskRisk Exposure

in NPRClaims on Government and Central Bank 545,902Claims on other Official Entities -Claims on Banks 605,863Claims on Corporate and Securities Firms 13,038,291Claims on Regulatory Retail Portfolio (Not Overdue) 4,183,014Claims fulfilling all criterion of regulatory retail except granularity

126,843

Claims secured by Residential Properties 693,786Claims secured by residential properties (Overdue) 32,030Claims secured by Commercial Real Estate 648,699Past Due Claims 1,142,046High Risk Claims 127,107Investments in equity and other capital instruments of institutions not listed in the stock exchange

12,380

Staff Loan Secured by Residential Property 61,770Cash in transit and other cash items in the process of collection

-

Other Assets 636,334Off Balance Sheet Items 2,114,307Total Credit Risk Exposure 23,968,374

Disclosure Under Basel II Ashadh End 2072

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C) Total Risk Weighted Exposure Calculation Table:Risk Exposure Calculation for Credit Risk

Amount ‘000s

A. Balance Sheet Exposures GrossBook Value (a)

Specific Provision(b)

Eligible CRM (c)

Net Value (d=a-b-c)

Risk Weight

(e)

Risk Weighted

Exposures (f=d*e)

Cash Balance 567,528 - - 567,528 0% -

Balance With Nepal Rastra Bank 1,917,903 - - 1,917,903 0% -

Gold - - - - 0% -

Investment in Nepalese Government Securities 3,390,664 - - 3,390,664 0% -

All Claims on Government of Nepal - - - - 0% -

Investment in Nepal Rastra Bank securities - - - - 0% -

All claims on Nepal Rastra Bank - - - - 0% -

Claims on Foreign Government and Central Bank (ECA 0-1) - - - - 0% -

Claims on Foreign Government and Central Bank (ECA -2) - - - - 20% -


Claims on Foreign Government and Central Bank (ECA-4-6) - - - - 100% -


Claims On BIS, IMF, ECB, EC and MDB's recognized by the framework

- - - - 0% -

Claims on Other Multilateral Development Banks - - - - 100% -

Claims on Public Sector Entity (ECA 0-1) - - - - 20% -

Claims on Public Sector Entity (ECA 2) - - - - 50% -

Claims on Public Sector Entity (ECA 3-6) 545,902 - - 545,902 100% 545,902

Claims on Public Sector Entity (ECA 7) - - - - 150% -

Claims on domestic banks that meet capital adequacy requirements

863,761 - - 863,761 20% 172,752

Claims on domestic banks that do not meet capital adequacy requirements

247,549 3,360 - 244,189 100% 244,189

Claims on foreign bank (ECA Rating 0-1) 485,154 - - 485,154 20% 97,031

Claims on foreign bank (ECA Rating 2) 165,515 - - 165,515 50% 82,757

Claims on foreign bank (ECA Rating 3-6) - - - - 100% -

Claims on foreign bank (ECA Rating 7) - - - - 150% -

Claims on foreign bank incorporated in SAARC region operating with a buffer of 1% above their respective regulatory capital requirement

45,667 - - 45,667 20% 9,133

Claims on Domestic Corporates 13,075,595 13,846 23,457 13,038,291 100% 13,038,291

Claims on Foreign Corporates (ECA 0-1) - - - - 20% -

Claims on Foreign Corporates (ECA 2) - - - - 50% -

Claims on Foreign Corporates (ECA 3-6) - - - - 100% -

Claims on Foreign Corporates (ECA 7) - - - - 150% -

Regulatory Retail Portfolio (Not Overdue) 5,582,990 5,638 - 5,577,353 75% 4,183,014

Claims fulfilling all criterion of regularity retail except granularity 126,843 - - 126,843 100% 126,843

Claims secured by residential properties 1,156,309 - - 1,156,309 60% 693,786

Claims not fully secured by residential properties - - - - 150% -

Claims secured by residential properties (Overdue) 41,688 9,658 - 32,030 100% 32,030

Claims secured by Commercial real estate 648,699 - - 648,699 100% 648,699

Past due claims (except for claims secured by residential properties) 1,118,273 356,909 - 761,364 150% 1,142,046

High Risk claims 285,879 - 201,140 84,738 150% 127,107

Investments in equity and other capital instruments of institutions listed in stock exchange

- - - - 100% -

Investments in equity and other capital instruments of institutions not listed in the stock exchange

8,554 300.00 - 8,254 150% 12,380

Staff loan secured by residential property 102,950 - - 102,950 60% 61,770

Interest Receivable/claim on government securities 1,083 - - 1,083 0% -

Cash in transit and other cash items in the process of collection - - - - 20% -

Other Assets (as per attachment) 874,053 237,719 - 636,334 100% 636,334

TOTAL (A) 31,252,560 627,429 224,598 30,400,533 21,854,068

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B. Off Balance Sheet Exposures

Gross

Book Value

(a)

Specific

Provision

(b)

Eligible

CRM (c)

Net Value

(d=a-b-c)

Risk

Weight

(e)

Risk

Weighted

Exposures

(f=d*e)

Revocable Commitments - - - - 0% -

Bills Under Collection 57,588 - - 57,588 0% -

Forward Exchange Contract Liabilities - - - - 10% -

LC Commitments With Original Maturity Up to 6 months domestic counterparty 1,095,943 - 57,191 1,038,751 20% 207,750

Foreign counterparty (ECA Rating 0-1) - - - - 20% -

Foreign counterparty (ECA Rating 2) - - - - 50% -



LC Commitments With Original Maturity Over 6 months domestic counterparty 929,540 - 19,948 909,592 50% 454,796





Bid Bond, Performance Bond and Counter guarantee

domestic counterparty 1,098,601 - 81,947 1,016,654 50% 508,327


Foreign counterparty (ECA Rating 2) 162,294 - 81,147 81,147 50% 40,574

Foreign counterparty (ECA Rating 3-6) 105,880 - - 105,880 100% 105,880


Underwriting commitments - - - - 50% -

Lending of Bank's Securities or Posting of Securities as collateral - - - - 100% -

Repurchase Agreements, Assets sale with recourse - - - - 100% -

Advance Payment Guarantee 475,120 - 36,633 438,487 100% 438,487

Financial Guarantee - - - - 100% -

Acceptances and Endorsements 236,078 - 16,877 219,201 100% 219,201

Unpaid portion of Partly paid shares and Securities - - - - 100% -

Irrevocable Credit commitments (short term) 639,281 - - 639,281 20% 127,856

Irrevocable Credit commitments (long term) 22,871 - - 22,871 50% 11,436

Claims on foreign bank incorporated in SAARC region

operating with a buffer of 1% above their respective

regulatory capital requirement

- - - - 20% -

Other Contingent Liabilities - - - - 100% -

Unpaid Guarantee Claims - - - - 200% -

TOTAL (B) 4,823,196 - 293,743 4,529,452 2,114,307

Total RWE for credit Risk Before Adjustment (A) +(B) 36,075,756 627,429 518,341 34,929,986 23,968,374

Adjustments under Pillar II

Add: 10% of the loan and facilities in excess of Single

Obligor Limits(6.4 a 3) - - - - -

Add: 1% of the contract(sale) value in case of the sale of

credit with recourse (6.4 a 4) - - - - -

Total RWE for Credit Risk after Bank's adjustments

under Pillar II 36,075,756 627,429 518,341 34,929,986 23,968,374

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Risk Exposure Calculation for Operational RiskAmount ‘000s

Particulars Year 1 Year 2 Year 3Net Interest Income 199,107 440,302 612,776 Commission and Discount Income 32,092 33,825 55,006 Other Operating Income 38,198 53,306 64,589 Exchange Fluctuation Income 27,222 41,634 58,512 Addition/Deduction in Interest Suspense during the period

12,168 30,135 67,395

Gross income (a) 308,788 599,202 858,277 Alfa (b) 15% 15% 15% Fixed Percentage of Gross Income [c=(a×b)]

46,318 89,880 128,742

Capital Requirement for operational risk (d) (average of c)

88,313 -

Risk Weight (reciprocal of capital requirement of 10%) in times (e)

10

Equivalent Risk Weight Exposure [f=(d×e)]

883,133

Risk Exposure Calculation for Market RiskAmount ‘000s

CurrencyOpen

Position (FCY)

Open Position

(LCY)

Relevant Open

Position INR (72,800.72) (116,535.75) 116,536 USD 203.52 20,677.38 20,677 GBP 7.62 1,214.63 1,215 EUR 21.43 2,380.93 2,381 THB - - - CHF 7.47 797.89 798 AUD 3.14 235.00 235 CAD 9.41 741.90 742 SGD 1.00 74.71 75 JPY 1,937.69 1,592.30 1,592 HKD 1.58 20.78 21 DKK - - - SEK - - - SAR 9.58 251.20 251 QAR 6.06 167.84 168 AED 3.17 81.51 82 MYR 2.43 63.52 64 KRW - - - CNY - - - KWD 0.03 9.95 10 Total Open position (a) 144,845Fixed Percentage (b) 5%Capital Charge for Market Risk [c=(axb)] 7,242 Risk weight (reciprocal of capital requirement of 10%) in times (d)

10

Equivalent Risk Weight Exposure[e=(cxd)] 72,423

D) Amount of NPAs ( Both Gross and Net) Amount ‘000s

Particulars Amount in NPRGross NPA 742,335Net NPA 356,285

E) Classification of Loans:Amount ‘000s

Particulars Amount in NPRRestructure Loan 0.00Substandard Loan 413,079Doubtful Loan 92,952Loss Loan 236,305Watch List Loan 1,847,870Pass Loan 20,575,376

F) NPA RatiosAmount ‘000s

Particulars Amount in NPRGross NPA 742,335Total Loan and Advances 23,165,580Gross NPA/Total Loan & Advances 3.2045%Net NPA 356,285Net Loan and Advances 22,534,195Net NPA/Net Loan & Advances 1.5811%

G) Movement of Non – Performing AssetsAmount ‘000s

Particulars Last Year This Year % ChangeNon-Performing Loans 336,200 742,335 120.80%

H) Write off of Loans and Interest SuspenseAmount ‘000s

Principal Interest Total- 21,004 21,004

I) Movement in Loan Loss Provisions and Interest Suspense

Amount ‘000s

Particulars Last Year This Year % ChangeLoan Loss Provisions 419,097 631,385 50.65%Interest Suspense 110,275 195,573 43.61%

J) Details of Additional Loan Loss ProvisionThere is no Additional Loan Loss Provision.

K) Segregation of Investments Portfolio into Held for Trading, Held to Maturity and Available for Sale Category

Amount ‘000s

Category Amount in NPRHeld for Trading -Held to Maturity 3,847,864Available for Sale 8,553Total Investments 3,856,418

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3) RISK MANAGEMENT FUNCTION:

(A) The Bank has adopted the following strategy for managing, minimizing and mitigating its risk exposure under the following three categories:Credit Risk:Bank’s Management is responsible for understanding the nature and level of risk taken by the Bank and relating the same with the Capital Adequacy level. The Country Risk Department which monitors the Credit Risk through review of the Credit proposals, analyzes the trends, assesses the exposure impact on capital, credit concentration risk, single obligor exposure risk and other credit related risks and prepares reports of such pertinent credit related risk reports for further submission to the Management. The report is also discussed in Risk Management Committee.

Market Risk:In order to effectively manage the market risk, the Bank has set up the treasury department structure viz: Treasury Front Office and Back office.

Treasury front office is entrusted with the functions of market watch, research (both fundamental and technical) and analysis. Front office takes decisions as regards to investments and trading as per approved policy/guidelines and within the perimeters of NRB regulations.

Treasury Back Office is independent of Treasury Front Office and acts as a monitoring/executing unit for Treasury Operations. The regular checking/reporting of treasury operations by the Back Office acts as a control function in the Treasury Department.

Operational Risk:From its inception, Civil Bank Limited has implemented practices and policies for assessment, minimization and mitigation of the Operational Risks in its day to day operation.

The Bank has adopted following strategies in its endeavor to create effective system of operational management and its impact on Capital Adequacy of the Bank:a) Compliance policy of the Bank following the

suggestions and shortcomings as observed by officials from Nepal Rastra Bank and Auditors through audit and inspection.

b) Operation Manuals and implementation of the same in all major areas of business of the Bank.

c) In house Internal Audit department.d) Centralized Approval and Control Mechanism

of Information Technology, Human Resource Management, General Services, Procurement, SWIFT, Trade Finance, Finance and Treasury Operations, Reporting, Credit Control and risk management, Credit Administration and Remittance.

Mechanism to manage Foreign Exchange Risk: Treasury front office is the sole custodian of consolidated net open position of all the foreign currencies on which the Bank is allowed to deal in. Quoting of all spot/forward rates are done only by the treasury dealers. All the branches/units dealing in foreign currency have to obtain quote from Treasury before they enter into buy/sell deals and they have to report their transactions to Treasury immediately after the deal. This helps front office to monitor the net open position on real time basis which allows the dealer to take proper timely action on managing the open position risks.

The foreign exchange net open position is also regularly monitored and reported by the back office to top management.

Mechanism to manage Liquidity and Interest rate risks:In order to monitor the liquidity and interest rate risks, the Bank is following the GAP analysis procedures. The GAP analysis is done by the Treasury and the same is discussed in Asset Liability Committee (ALCO) Meeting.

With regard to Market Risk, the Treasury Department maintains Net Open Position of all the currencies on daily basis, reviews and analyzes the trends, and assesses the exposure impact on capital. The Net Open Position is also discussed in ALCO meeting held regularly.

(B) Types of eligible CRMs used and benefits availed under CRM: The CRMs used for computation of capital adequacy are Fixed Deposit Receipts and margin deposits. The mentioned CRMs have been netted off against the gross amounts of the following exposures:

Claim Type CRM CRM TypeClaims on corporate and securities firms

23,457 Margin Deposit

High Risk Claim 201,140 Fixed Deposit/Gold LC Commitments With Original Maturity Up to 6 months (domestic counterparty)


LC Commitments With Original Maturity Over 6 months domestic counterparty


Bid Bond, Performance Bond and Counter guarantee domestic counterparty


Foreign counterparty (ECA Rating 2) 81,147Foreign Bank

Counter GuaranteeAdvance Payment Guarantee 36,633 Margin DepositAcceptances and Endorsements 16,877 Margin Deposit

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;+:yfks z]o/wgLx?nfO{ ;d"x æsÆ df juL{s/0f ul/Psf] 5 / of] ;d"xsf] z]o/ :jfldTj %! k|ltzt x'g]5 .

*=^* k|ltzt ;+:yfks z]o/ ;j{;fwf/0f z]o/df ?kfGt/0f x'g] ePsf]n] .

^-r_ ;j{;fwf/0fdf ljqmL ul/g] z]o/ vl/b ug]{ z]o/wgLx?nfO{ ;d'x ævÆ df jlu{s/0f ul/Psf] 5 . of] ;d'xsf] z]o/ :jfldTj $)=#@ k|ltzt /x]sf]5 . o; ;d'xsf] s'n z]o/ dWo]af6 a9Ldf % k|ltzt;Dd z]o/ a}+ssf sd{rf/LnfO{ 5'6\ofO{ ;+rfns ;ldltsf] lg0f{o adf]lhd ljqmL ljt/0f ug{ ;lsg]5 .

;j{;fwf/0fdf ljqmL ul/g] z]o/ vl/b ug]{ z]o/wgLx?nfO{ ;d'x ævÆ df jlu{s/0f ul/Psf] 5 . of] ;d'xsf] s"n z]o/ :jfldTj $( k|ltzt /x]sf]5 . o; ;d'xsf] s'n z]o/ dWo]af6 a9Ldf % k|ltzt;Dd z]o/ a}+ssf sd{rf/LnfO{ 5'6\ofO{ ;+rfns ;ldltsf] lg0f{o adf]lhd ljqmL ljt/0f ul/Psf] 5 .

*=^* k|ltzt ;+:yfks z]o/ ;j{;fwf/0f z]o/df ?kdfGt/0f ePsf]n] .

kf“rf} jflif{s ;fwf/0f ;efdf ;+zf]wgsf] nflu k|:t't ul/Psf] l;len a}+s lnld6]8sf] k|aGwkqsf] tLg dxn] ljj/0f M

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lgod ;fljs Joj:yf k|:tfljt ;+zf]wg ;+zf]wg ug'{kg]{ sf/0f

@&-#_ ;~rfnssf] sfo{sfn $ jif{sf] x'g]5 .

;~rfnssf] sfo{sfn $ jif{sf] x'g]5 . ;+rfnsx?sf] lgo'QmL÷lgjf{rg÷kbfjlw ;DjGwL Joj:yf ;do ;dodf hf/L g]kfn /fi6« a}+ssf] lgb]{zg tyf k|rlnt sfg"g adf]lhd x'g]5 .

g]kfn /fi6« a}+ssf] Plss[t lgb]{zg g+= ^÷&@ sf] lgb]{zg g+= ! -!^_ adf]lhd ;+rfnssf] kbfjwL ;+zf]wg ug'{ kg]{ ePsf]n] .

@(-@_ lghsf] sfo{sfn lgodfjnLdf pNn]v eP adf]lhd a9Ldf $ jif{sf] x'g]5, / lghsf] k'gM lgo'QmL x'g ;Sg]5 .

lghsf] sfo{sfn lgodfjnLdf pNn]v eP adf]lhd a9Ldf $ jif{sf] x'g]5, . lghsf] lgo'QmL÷kbfjlw ;DjGwL Joj:yf ;do ;dodf hf/L g]kfn /fi6« a}+ssf] lgb]{zg tyf k|rlnt sfg"g adf]lhd x'g]5 .

g]kfn /fi6« a}+ssf] Plss[t lgb]{zg g+= ^÷&@ sf] lgb]{zg g+= ! -!^_ adf]lhd ljz]if1 ;+rfnssf] kbfjwL ;+zf]wg ug'{ kg]{ ePsf]n] .

#@-!_ v

;~rfns ;ldltsf] a}+7sdf pkl:yt eP afkt cWoIfn] kfpg] k|lt a}+7s eQf s/ ;d]t ?= ^,))).– tyf cGo ;+rfnsn] kfpg] k|lt a}+7s eQf s/ ;d]t ? %,))).– x'g]5 .

;~rfns ;ldltsf] a}+7sdf pkl:yt eP afkt cWoIfn] kfpg] k|lt a}+7s eQf s/ ;d]t ?= !),))).– tyf cGo ;+rfnsn] kfpg] k|lt a}+7s eQf s/ ;d]t ? *,))).– x'g]5 .

;do ;fk]If ?kdf ;+rfnssf] a}7s eQf a[l4 ug{ cfjZos ePsf]n] .

#^-#_ sfo{sf/L k|d'vsf] kbfjlw rf/ jif{sf] x'g]5 / lghsf] k'glg{o'lQm x'g ;Sg]5 .

sfo{sf/L k|d'vsf] kbfjlw rf/ jif{sf] x'g]5 . lghsf] lgo'QmL÷kbfjlw ;DjGwL Joj:yf ;do ;dodf hf/L g]kfn /fi6« a}+ssf] lgb]{zg tyf k|rlnt sfg"g adf]lhd x'g]5 .

g]kfn /fi6« a}+ssf] Plss[t lgb]{zg g+= ^÷&@ sf] lgb]{zg g+= # -!)_ ;+rfnssf] kbfjwL ;+zf]wg ug'{ kg]{ ePsf]n]

kf“rf} jflif{s ;fwf/0f ;efdf ;+zf]wgsf] nflu k|:t't ul/Psf] l;len a}+s lnld6]8sf] lgodfjnLsf] tLg dxn] ljj/0f M

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Main Branch Classic Complex, Tindhara Road,Kamaladi, Kathmandu-31

New Road BranchNew Road, Kathmandu-24, Kathmandu

Bishalbazar New Road Kathmandu

Baneshwor BranchDevkota Sadak, Baneshwor

Boudha BranchPipalbot, Kathmandu

Gongabu BranchRingroad, Gongabu, Kathmandu

Swoyambhu BranchSwoyambhu, Kathmandu-15

Patan BranchSundhara, Lalitpur

Kirtipur BranchNaya Bazar, Kirtipur

Kapan BranchKapan, Kathmandu-6

Jawalakhel BranchJawakhel, Lalitpur-04

Nepal Cancer HospitalHarisiddhi, Lalitpur

Dhading Besi Branch,Santa Bazaar, Nilkantha V.D.C., Dhading

ATM Lounge Thamel, (Near Kathmandu Guest House)

ATM LoungeTridevi Marg, Thamel, Kathmandu

Bhat-Bhateni Super Market and Departmental Store,Koteshwor, Boudha, Krishna Galli Patan, Pokhara

Bhairahawa Branch,Gallamandi, Airport Road,Sidharthanagar-06

Barhabise Branch,Barhabise V.D.C. Barhabise

Birtamode BranchHanuman Central, Mukti Chowk, Birtamode

Pokhara BranchSabhagriha Chowk, PhewaMarg, Pokhara

ATM LoungeLakeside -6, Pokhara

Biratnagar Branch,Sanihat Tole, Biratnagar Sub-Metropolitan City

Nepalgunj BranchSurkhet Road, Nepalgunj

Birgunj Branch, Parsa district, Birgunj Municipality, Mahabirsthan

Dhangadi BranchGodawari Road, Dhangadi, Kailali-4

Banepa BranchBus Park, Banepa-6, Kavrepalanchowk

Dhulikhel BranchSaraswati Bazar, Kavrepalanchowk – 3, Dhulikhel

Narayanghat BranchLions Chowk, Narayangadh-4, Chitwan

Hetauda BranchBank Road, Hetauda-4, Makawanpur

ATMS LOCATIONS

Classic Complex, Tindhara RoadKamaladi, Kathmandu-31P.O. Box: 9799Tel : 4169040, 4169030Fax : 4169038www.civilbank.com.npSWIFT: CIVLNPKA

CIVIL BANK

Documents

g]kfn /fi6« a}+såf/f æsÆ ju{sf] O{hfht k|fKt ;+:yf Stronger … Annual...Gongab New Road u Swoyambhu Kapan Boudha Kamaladi Kuleshwo Kirtipur r Pata Jawalakhel Anamnagar Baneshwor