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PgPdla a}+s lnld6]8PgPdla a}+s lnld6]8g]kfn /fi6« a}+saf6 æsÆ ju{sf] Ohfhtkqk|fKt ;+:yfPgPdla ejg, aa/dxn, sf7df8f}+ .kmf]g g+= (&&–!–$@$^!^), km\ofS; g+= (&&–!–$@$^!%^Email: [email protected], Website: www.nmb.com.npsf] yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq
-sDkgL P]g, @)%# -;+;f]wg ;lxt_ cGtu{t :yflkt a}+s tyf ljQLo ;+:yf ;DaGWfL P]g, @)&# adf]lhd sfd sf/f]jf/ ug{]_-sDkgL P]g, @)%# -;+;f]wg ;lxt_ cGtu{t :yflkt a}+s tyf ljQLo ;+:yf ;DaGWfL P]g, @)&# adf]lhd sfd sf/f]jf/ ug{]_
-lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf] bkmf @# cGtu{t k|sflzt_
yk ;fj{hlgs lgisfzg -kmb{/ klAns O:o"_ ;DaGwL ljj/0fkqsf]
æljj/0fkqÆ
lwtf]kq lgisfzg tyf laqmL k|jGws M
gful/s nufgL sf]if gful/s nufgL sf]if gofF afg]Zj/, sf7df8f}+, kmf]gM gofF afg]Zj/, sf7df8f}+, kmf]gM 4785321, km\ofS;M , km\ofS;M 4785320URL: www.nlk.org.np, Email: [email protected]
?=#,*),!@,$(,@&(÷– /sd a/fa/sf] k|lt z]o/ ?=!))÷– c+lst b/sf !,!$,!%,!^# lsQf ;fwf/0f z]o/df c+lst d"No ?=!))÷– df lk|ldod jfkt ?=@##÷– yk u/L k|lt z]o/ ?=###÷– sf b/n] ;j{;fwf/0fx?df yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ .
b/vf:t ;fy k|lt z]o/ ?=###÷– sf] b/n] -lk|ldod ?=@##÷–;lxt_ zt\k|ltzt e'QmfgL dfu ul/Psf] .b/vf:t ;fy k|lt z]o/ ?=###÷– sf] b/n] -lk|ldod ?=@##÷–;lxt_ zt\k|ltzt e'QmfgL dfu ul/Psf] .
nufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f MnufgLdf x'g] hf]lvd ;DaGwL pb\3f]if0f Mlwtf]kqdf ul/g] nufgLdf hf]lvd x'g] ePsf]n] To:tf] hf]lvdsf] d"Nof°g ug]{ k|d"v bfloTj nufgLstf{ :jo+sf] x'g]5 / lwtf]kqsf] lgisfzg d"Non] ;"rLs/0f kZrft\ lwtf]kq ahf/df x'g] sf/f]jf/ d"No ghgfpg] x'Fbf o; ljj/0fkqsf] bkmf * df pNn]lvt hf]lvdx? ;d]tsf] cWoog u/]/ dfq nufgL ;DaGwL lg0f{o lng ;'emfj ul/G5 .
lgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0f Mlgodg lgsfosf] hjfkmb]xLtf g/xg] pb\3f]if0f Mo; ljj/0fkqdf pNn]lvt lwtf]kq ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] o; ljj/0fkqnfO{ lwtf]kq ;DaGwL P]g, @)^# adf]lhd g]kfn lwtf]kq af]8{n] :jLs[tL k|bfg u/]sf] 5 . o;/L af]8{n] ljj/0fkq :jLs[tL k|bfg u/]sf] sf/0faf6 s;}n] klg g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no jf ;Da4 cGo lgodg lgsfon] ljj/0fkqdf pNn]lvt s'/fsf] ;Totf jf lgisfzgstf{ jf kl/of]hgfsf] cfly{s ;Ifdtfsf] af/]df s'g} k|sf/sf] k|Tofe"t u/]sf] jf lhDd]jf/L lnPsf] dflgg] 5}g .
g]kfn /fi6« a}+saf6 hf/L ul/Psf] PsLs[t lgb]{zgsf] O=k|f= lgb]{zg g+ !) sf] a'Fbf !# df ;fj{hlgs lgisfzg ug{ egL 5'§fO{Psf] lwtf]kq ;DalGwt ;+:yfks, ;+rfns jf lghsf] kl/jf/n] lng kfpg] 5}gg\ . t/ To:tf] lwtf]kqsf] b/vf:t v'Nnf /xg] egL tf]lsPsf] cjlwleq k'/f laqmL gePsf] cj:yfdf eg] of] k|ltaGw nfu" x'g]5}g .
g]kfnsf] k|rlnt sfg'g adf]lhd o; a}+såf/f hf/L ul/Psf] o; yk ;fj{hlgs lgisfzg g]kfnL nufgLstf{x?sf nflu dfq v'nf /xg] 5 . g]kfn lwtf]kq af]8{af6 ljj/0fkq :jLs[t ePsf] ldlt M @)&%.)@.!*sDkgL /lhi6«f/sf] sfof{nodf ljj/0fkq btf{ ePsf] ldlt M @)&%.)@.@!lgisfzg v'Nnf x'g] ldlt M @)&%.)@.#)lgisfzg aGb x'g] ldlt -l56f]df_ M @)&%.)#.)#lgisfzg aGb x'g] ldlt -l9nf]df_ M @)&%.)#.@*
lgisfzg v'Nnf ePsf] $ sfo{ lbgleq ;Dk"0f{ z]o/ vl/b nflu ;a{;fwf/0fx?af6 lgj]bg k|fKt gePdf ;+:yfut nufgLstf{x?n] ;d]t lwtf]kq vl/bsf nflu lgj]bg lbg ;Sg]5g\ .o; ljj/0fkq dfkm{t\ lgisfzg ul/g] ;fwf/0f z]o/sf] ;fj{hlgs lgisfzg ug{sf nflu a}+sn] O{qmf g]kfn ln=af6 æ[O{qmf Pglk] cfO{lkcf] u|]8 #Æ k|df0fkq k|fKt u/]sf] 5 . o;n]] cf}ift cfwf/ (Average Fundamentals) /x]sf] hgfpF5 . Oqmf g]kfnn] ! b]lv % KjfOG6 u|]l8Ë k|bfg ub{5 . h;df u|]8 ! n] alnof cfwf/ hgfpF5 eg] u|]8 % n] sdhf]/ cfwf/x? hgfpF5 . u|]8 @, # / $ df k|of]u ul/g] +(Plus) lrGxn] o; ;d"xsf t'ngfTds ;sf/fTds l:yltnfO{ hgfpF5 . ;f] ;DaGwL ljj/0f o; ljj/0fkqsf] bkmf @@-6_ df pNn]v ul/Psf] 5 .
lgisfzgstf{sf] ljut tLg aif{sf] k|lt z]o/ v'b ;DklQ tyf k|lt z]o/ cfDbfgL lgisfzgstf{sf] ljut tLg aif{sf] k|lt z]o/ v'b ;DklQ tyf k|lt z]o/ cfDbfgL
cf=j=@)&)÷)&!cf=j=@)&)÷)&! cf=j=@)&!÷)&@cf=j=@)&!÷)&@ cf=j=@)&@÷)&#cf=j=@)&@÷)&#k|lt z]o/ v'b cfDbfgL @)=%) @)=*& @$=*%k|lt z]o/ v'b ;DklQ !,%!)=%* !,&@@=#( !,^^@=(!
ljut tLg cfly{s aif{sf] k|lt z]o/ g]6jy{ cf=j=@)&#÷)&$n]vf kl/Ifsaf6 k|df0fLt x'g afFsL
165.39
cfufdL tLg cfly{s jif{sf] k|If]lkt k|lt z]o/ g]6jy{
cf=j=@)&)÷)&! cf=j=@)&!÷)&@ cf=j=@)&@÷)&# cf=j=@)&$÷)&% cf=j=@)&%÷)&^ cf=j=@)&^÷)&&
140.65 137.35 152.91 195.62 221.61 214.39
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 2
!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M!= ljj/0fkqdf k|of]u ePsf k|fljlws tyf cGo zAbfjnLsf] kl/efiff M-s_ æljj/0fkqÆ eGgfn] ;fj{hlgs ?kdf z]o/ lgisfzg ug{ lwtf]kq ;DaGwL P]g, @)^# sf] bkmf #) tyf sDkgL P]g, @)^# sf]
bkmf @# cGtu{t tof/ kf/L k|sflzt lgisfzg sDkgLsf] ;Gbe{df nufgLstf{x?nfO{ hfgsf/L lbgsf] nflu tof/ ul/Psf]] k|:t't
k'l:tsfnfO{ ;Demg' kb{5 .
-v_ ælwtf]kq lgisfzg tyf laqmL k|aGwsÆ eGgfn] gful/s nufgL sf]if, gofF afg]Zj/, sf7df8f}+nfO{ ;Demg' kb{5 .
-u_ æa}+s÷;+ul7t ;+:yfÆ eGgfn] lgisfzgstf{ sDkgL PgPdla a}+s ln=, aa/dxn, sf7df8f}+nfO{ ;Demg' kb{5 .
-3_ æ;+sng s]Gb|Æ eGgfn] ;fj{hlgs lgisfzgsf] nflu tof/ ul/Psf] ljj/0fkq / b/vf:t kmf/d k|fKt ug{ ;lsg] tyf b/vf:t
kmf/dsf ;fy /sd a'emfpg ;lsg] u/L tf]lsPsf ;+:yfnfO{ ;Demg' kb{5 .
-ª_ ælgisfzg a}+sÆ eGgfn] ;fj{hlgs lgisfzgaf6 ;+sng x'g cfPsf] /sdnfO{ hDdf ug{sf] nflu tf]lsPsf] a}+sx?nfO{ ;Demg' kb{5 .
-r_ ælgodg lgsfoÆ eGgfn] g]kfn lwtf]kq af]8{, sDkgL /lhi6«f/sf] sfof{no tyf g]kfn /fi6« a}+snfO{ ;Demg' kb{5 .
-5_ æ;+:yfks, ;+rfns, sfo{sf/L k|d'v tyf Joj:yfkgÆ eGgfn] PgPdlj a}+s lnld6]8sf ;+:yfks, ;+rfns, k|d'v sfo{sf/L
clws[t tyf Joj:yfkgnfO{ ;Demg' kb{5 .
-h_ æaf]8{Æ eGgfn] g]kfn lwtf]kq af]8{nfO{ ;Demg' kb{5 .
-em_ æPgPdlj a}+s ;d"xÆ eGgfn] PgPdlj a}+s lnld6]8 / o;sf ;xfos sDkgLx?nfO{ ;Demg' kb{5 .
-`_ æcf:af (ASBA) ;b:oÆ eGgfn] ;fj{hlgs lgisfzg ePsf] lwtf]kq v/Lbsf nflu b/vf:t ;+sng ug{ tyf lwtf]kq v/Lb
-;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&# sf] bkmf % adf]lhd af]8{af6 cg'dlt k|fKt u/]sf] a}+s jf ljQLo ;+:yf ;Demg' kb{5 .
@= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M@= ljj/0fkq tyf b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M-s_ ljj/0fkq k|fKt ug]{ :yfg M-s_ ljj/0fkq k|fKt ug]{ :yfg M
l;=g+=l;=g+= sDkgLsf] gfd, 7]ufgfsDkgLsf] gfd, 7]ufgf!= Gfful/s nufgL sf]if, gofF afg]Zj/, sf7df8f}+ . @= PgPdla a}+s lnld6]8, aa/dxn, sf7df8f}+ .
-v_ b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M-v_ b/vf:t kmf/d k|fKt ug]{ / a'emfpg] :yfg M
l;=g+=l;=g+= sDkgLsf] gfd, 7]ufgfsDkgLsf] gfd, 7]ufgf!= ;Dk'0f{ cf:jf ;b:o a}+s tyf ljQLo ;+:yfx? / tLgsf tf]lsPsf zfvf sfof{nox? .
!= lwtf]kq lgisfzg tyf laqmL k|jGwssf] pb\3f]if0f M!= lwtf]kq lgisfzg tyf laqmL k|jGwssf] pb\3f]if0f M xfdLnfO{ PgPdlj a}+s lnld6]8 tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df To; ;+:yfsf] JojyfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} ljj/0fkqdf n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/fk|lt ljZj:t
eO{ xfdLn] of] ljj/0fkq :jLs[ltsf nflu g]kfn lwtf]kq af]8{df ælwtf]kq ;DaGwL P]g, @)^#Æ tyf ælwtf]kq btf{ tyf lgisfzg
lgodfjnL, @)&#Æ cg'?ksf] of]Uotf k'u]sf] k|ltj4tfkq (Due Diligence Certifi cate) k|:t't u/]sf 5f}+ .
@= ;+ul7t ;+:yfsf] pb\3f]if0f M@= ;+ul7t ;+:yfsf] pb\3f]if0f M
-s_ ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f M-s_ ;+rfnssf] lhDd]jf/L tyf hjfkmb]lxtf ;DaGwL pb\3f]if0f Mof] ljj/0fkq xfdLn] k'g/fjnf]sg u/L cg'df]bg u/]sf] x'gfn] o; ljj/0fkqdf pNn]v ul/Psf ljj/0f tyf hfgsf/Lx?sf ;fy}
lgisfzg tyf laqmL k|aGwsnfO{ lbPsf] ljQLo ljj/0f, cGo ljj/0f, hfgsf/L tyf sfuhftx?sf ;Totf / z'4tf k|lt / lwtf]
kq btf{ tyf lgisfzg cg'dlt k|of]hgsf nflu g]kfn lwtf]kq af]8{df k]z ul/Psf] ljj/0fkq / ;f];Fu ;DalGwt cGo ljj/0f tyf hfgsf/Lx?sf] z'4tf tyf ;Totfk|lt o; ljj/0fkqdf x:tfIf/ ug]{ xfdL ;+rfnsx? JolQmut jf ;fd"lxs ?kdf hjfkmb]lxtf jxg ub{5f}+ / lwtf]kq lgisfzgsf nflu tf]lsPsf zt{ tyf cfjZostfx?sf] ;DaGwdf cfjZos hfgsf/L lnO{ xfdL pb\3f]if0f ub{5f}+ sL
tf]lsPsf zt{ tyf cfjZostfx? ;a} kfngf u/]sf 5f}+ / nufgLstf{x?nfO{ nufgL ;DaGwL ;';"lrt lg0f{o lng cfjZos s'g} ljj/0f,
;"rgf tyf hfgsf/Lx? n'sfPsf 5}gf}+ .
-v_ ;+ul7t ;+:yfsf] hjfkmb]xLtf ;DaGwL pb\3f]if0f M-v_ ;+ul7t ;+:yfsf] hjfkmb]xLtf ;DaGwL pb\3f]if0f Mo; PgPdla a}+s lnld6]8n] k|sflzt u/]sf] ljj/0fkq, ;fj{hlgs k|:tfj, lj1fkg jf cGo s'g} ;"rgfdf pNn]v ePsf ljj/0fx?
jfx]s ;+ul7t ;+:yfsf] af/]df k|sflzt cGo s'g} ;"rgf jf hfgsf/Lsf] hjfkmb]xLtf ;+ul7t ;+:yfdf g/xg] / To:tf] ;"rgf, hfgsf/L
jf ljj/0fsf] cfwf/df nufgL u/]df ;f]sf] hf]lvd nufgLstf{ :jo+n] jxg ug'{kg]{5 .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 4
-u_ lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M-u_ lgodg lgsfosf] lgodg Joj:yfsf] kfngf ;DaGwL pb\3f]if0f M
k|rlnt sfg'g cg';f/ cfkm\gf] pBf]u÷Joj;fo÷;]jf;Fu ;DalGwt lgodg lgsfo -h:t}M sDkgL /lhi6«f/sf] sfof{no, g]kfn /fi6«
a}+s cflb_ sf] yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ tyf cGo lgodg Joj:yf tyf lgb]{zgx?sf] kfngf u/]sf] s'/fsf]
pb\3f]if ub{5f}+ . ;fy} yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ k|of]hgsf] nflu tof/ ul/Psf] ljj/0fkq / ;f]df pNn]lvt
;Demf}tf jf cGo ljj/0fx? g]kfn lwtf]kq af]8{ / sDkgL /lhi6«f/sf] sfof{nodf k]z u/]sf 5f}+ . o; a}+s cf=j= )&@.)&# ;Dd sDkgL
/lhi6«f/sf] sfof{nodf cWofjlws /x]sf] 5 .
-3_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M-3_ ;+:yfks, ;+rfns tyf sfo{sf/L k|d'v ;DaGwL pb\3f]if0f M
!= o; a}+ssf ;+:yfks, ;+rfns jf k|d'v sfo{sf/L clws[t shf{ ;"rgf s]Gb|sf] sfnf];"rLdf /x]sf 5}gg\ .
@= o; a}+ssf ;+rfns jf k|d'v sfo{sf/L clws[t sfnf];"rLdf /x]sf] cGo ;+ul7t ;+:yfdf ;+rfns jf sfo{sf/L k|d'v 5}gg\ .
#= ;fj{hlgs lgisfzg dfkm{t\ ;j{;fwf/0faf6 kF"hL ;+sng u/L j]kQf ePsf jf ;+rfngdf g/x]sf jf nufgLstf{x?sf] lxt ljk/Lt x'g]
sfo{ u/]sf] ;+ul7t ;+:yfsf ;+rfns jf k|d'v sfo{sf/L clws[t o; a}+ssf] ;+rfns jf k|d'v sfo{sf/L clws[t 5}gg\ .
$ lwtf]kq ;DaGwL sfg'g ljk/Lt sfo{ u/]sf] sf/0f lwtf]kq ahf/ jf lwtf]kq Jofj;foLsf] cg'dlt vf/]h ePsf] bz jif{ k"/f
gePsf] ;+ul7t ;+:yfsf] ;+rfns jf k|d'v sfo{sf/L clws[t o; a}+ssf] ;+rfns jf k|d'v sfo{sf/L clws[t 5}gg\ .
%= o; a}+ssf] ;+rfns jf k|d'v sfo{sf/L clws[t lwtf]kq ;DaGwL P]gsf] bkmf !)* jdf]lhd cof]Uo /x]sf 5}gg\ .
#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M#= ;+ul7t ;+:yf ;DaGwL hfgsf/L M
-s_ ;+ul7t ;+:yfsf] k[i7e"dL M-s_ ;+ul7t ;+:yfsf] k[i7e"dL M
s_ ;+:yfsf] gfd Ms_ ;+:yfsf] gfd M PgPdla a}+s lnld6]8 (NMB Bank Limited)v_ s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f Mv_ s'g P]g cGtu{t :yflkt ePsf] ;f] s'/f M o; a}+s sDkgL P]g, @)%# -;+;f]wg ;lxt_ adf]lhd :yflkt eO{ k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhd ;+rflnt 5 .u_ ;+:yfsf] /lhi68{ 7]ufgf Mu_ ;+:yfsf] /lhi68{ 7]ufgf M o; a}+ssf] /lhi68{ -s]Gb|Lo_ sfof{no sf7df8f}+ lhNnf, sf7df8f} dxfgu/kflnsf, j8f g+=!!, PgPdla ejg, aa/dxndf /x]sf] 5 .
3_ sf/f]jf/ ug]{ d"Vo :yfg M 3_ sf/f]jf/ ug]{ d"Vo :yfg M o; a}+ssf] k|wfg sfof{no sf7df8f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf j8f g+= !!, PgPdla ejg, aa/dxndf /x]sf] 5 / cfjZostf cg';f/ g]kfn /fi6« a}+ssf] :jLs[lt lnO{ a}+sn] cfkm\gf zfvf, pkzfvf jf cGo sfof{no dfkm{t\ g]kfn e/ sf/f]jf/ ug{ ;Sg]5 . o; a}+sn] g]kfn /fi6« a}+sn] :jLs[t u/]cg';f/ g]kfnleq b]xfosf :yfgx?df /x]sf] zfvf sfof{nox?af6 cfkm\gf] sf/f]jf/ ;~rfng ub}{ cfPsf] 5 M
qm=;+=qm=;+= zfvfsf] gfdzfvfsf] gfd zfvf /x]sf] :yfgzfvf /x]sf] :yfg1 PgPdla a}+s lnld6]8, k|wfg sfof{no aa/dxn, sf7df8f}+2 PgPdla a}+s lnld6]8, zfvf sfo{fno ltgs'g], sf7df8f}+3 PgPdla a}+s lnld6]8, zfvf sfo{fno a;'Gwf/f, sf7df8f}+4 PgPdla a}+s lnld6]8, zfvf sfo{fno rfjlxn, sf7df8f}+5 PgPdla a}+s lnld6]8, zfvf sfo{fno sn+sL, sf7df8f}+6 PgPdla a}+s lnld6]8, zfvf sfo{fno sfGtLky, sf7df8f}+7 PgPdla a}+s lnld6]8, zfvf sfo{fno s'df/Lkf6L, nlntk'/8 PgPdla a}+s lnld6]8, zfvf sfo{fno n'e', nlntk'/9 PgPdla a}+s lnld6]8, zfvf sfo{fno Go'/f]8, sf7df8f}+10 PgPdla a}+s lnld6]8, zfvf sfo{fno k'tnL;8s, sf7df8f}+11 PgPdla a}+s lnld6]8, zfvf sfo{fno 7d]n, sf7df8f}+12 PgPdla a}+s lnld6]8, zfvf sfo{fno y}j, nlntk'/13 PgPdla a}+s lnld6]8, zfvf sfo{fno gS;fn, sf7df8f}+14 PgPdla a}+s lnld6]8, zfvf sfo{fno l;tfkfOnf, sf7df8f}+15 PgPdla a}+s lnld6]8, zfvf sfo{fno yfkfynL,sf7df8f}+16 PgPdla a}+s lnld6]8, zfvf sfo{fno ;'o{ljgfos, eQmk'/17 PgPdla a}+s lnld6]8, zfvf sfo{fno 6]s', sf7df8f}+18 PgPdla a}+s lnld6]8, zfvf sfo{fno k'Nrf]s, nlntk'/19 PgPdla a}+s lnld6]8, zfvf sfo{fno cfo{e~HofË,kfNkf20 PgPdla a}+s lnld6]8, zfvf sfo{fno ag]kf, sfe|]21 PgPdla a}+s lnld6]8, zfvf sfo{fno j]naf/L, df]/Ë
22 PgPdla a}+s lnld6]8, zfvf sfo{fno enjf/L, ?kGb]lx23 PgPdla a}+s lnld6]8, zfvf sfo{fno lj/f6gu/, df]/Ë 24 PgPdla a}+s lnld6]8, zfvf sfo{fno s+rgaf/L, df]/Ë25 PgPdla a}+s lnld6]8, zfvf sfo{fno lj/u+h, k;f{26 PgPdla a}+s lnld6]8, zfvf sfo{fno ljtf{df]8, emfkf27 PgPdla a}+s lnld6]8, zfvf sfo{fno a'6jn, ?kGb]lx28 PgPdla a}+s lnld6]8, zfvf sfo{fno a'6jn -d'Vo_,?kGb]lx29 PgPdla a}+s lnld6]8, zfvf sfo{fno rf/gDa/, ?kGb]lx30 PgPdla a}+s lnld6]8, zfvf sfo{fno rGb|u9L, emfkf31 PgPdla a}+s lnld6]8, zfvf sfo{fno rGb|f}6f, slkna:t'32 PgPdla a}+s lnld6]8, zfvf sfo{fno r'qfj];L ahf/, c3f{vf+rL33 PgPdla a}+s lnld6]8, zfvf sfo{fno b}n]v34 PgPdla a}+s lnld6]8, zfvf sfo{fno wgu9L, s}nfnL35 PgPdla a}+s lnld6]8, zfvf sfo{fno w/fg, ;'g;/L36 PgPdla a}+s lnld6]8, zfvf sfo{fno w'Gr], /;'jf37 PgPdla a}+s lnld6]8, zfvf sfo{fno 8f]6L38 PgPdla a}+s lnld6]8, zfvf sfo{fno 8«fOe/ 6f]n, ?kGb]xL39 PgPdla a}+s lnld6]8, zfvf sfo{fno b+'w], emfkf40 PgPdla a}+s lnld6]8, zfvf sfo{fno uf]/vf41 PgPdla a}+s lnld6]8, zfvf sfo{fno uf]?l;+u], slknj:t'42 PgPdla a}+s lnld6]8, zfvf sfo{fno O6x/L, ;'g;/L43 PgPdla a}+s lnld6]8, zfvf sfo{fno hgsk'/, wg'iff44 PgPdla a}+s lnld6]8, zfvf sfo{fno lhtk'/, slknj:t'45 PgPdla a}+s lnld6]8, zfvf sfo{fno s6f/L, pbok'/46 PgPdla a}+s lnld6]8, zfvf sfo{fno s]/faf/L, df]/Ë47 PgPdla a}+s lnld6]8, zfvf sfo{fno s]vf{, df]/Ë48 PgPdla a}+s lnld6]8, zfvf sfo{fno lsg]{, bf]nvf49 PgPdla a}+s lnld6]8, zfvf sfo{fno Nffxfg, l;/fxf 50 PgPdla a}+s lnld6]8, zfvf sfo{fno n]6fË, df]/Ë51 PgPdla a}+s lnld6]8, zfvf sfo{fno dw'dNnf, df]/Ë52 PgPdla a}+s lnld6]8, zfvf sfo{fno dgLu|fd, ?kGb]lx53 PgPdla a}+s lnld6]8, zfvf sfo{fno dGynL, /fd]5fk54 PgPdla a}+s lnld6]8, zfvf sfo{fno d'uL{of, ?kGb]lx55 PgPdla a}+s lnld6]8, zfvf sfo{fno gf/fo0fu9, lrtjg56 PgPdla a}+s lnld6]8, zfvf sfo{fno g]kfnu+h, afFs]57 PgPdla a}+s lnld6]8, zfvf sfo{fno ky/L, df]/Ë58 PgPdla a}+s lnld6]8, zfvf sfo{fno km;f{lS6s/, ?kGb]xL59 PgPdla a}+s lnld6]8, zfvf sfo{fno lkmlbd, kfFry/ 60 PgPdla a}+s lnld6]8, zfvf sfo{fno kf]v/f, sf:sL61 PgPdla a}+s lnld6]8, zfvf sfo{fno ;Nn]/L, ;f]n'v'Da'62 PgPdlaa}+s lnld6]8, zfvf sfo{fno ;'gjn, gjnk/f;L63 PgPdla a}+s lnld6]8, zfvf sfo{fno tD3f;, u'NdL64 PgPdla a}+s lnld6]8, zfvf sfo{fno tfKn]h'Ë65 PgPdla a}+s lnld6]8, zfvf sfo{fno t/x/f, ;'g;/L66 PgPdla a}+s lnld6]8, zfvf sfo{fno 7'6Llkkn, ?kGb]xL67 PgPdla a}+s lnld6]8, zfvf sfo{fno pnf{jf/L, df]/Ë68 PgPdla a}+s lnld6]8, zfvf sfo{fno jflnË, :ofªhf69 PgPdla a}+s lnld6]8, zfvf sfo{fno nDsL,s}nfnL70 PgPdla a}+s lnld6]8, zfvf sfo{fno bds, emfkf71 PgPdla a}+s lnld6]8, zfvf sfo{fno e}/xjf, ?kGb]xL
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 6
72 PgPdla a}+s lnld6]8, zfvf sfo{fno kfNkf73 PgPdla a}+s lnld6]8, zfvf sfo{fno a'lt{jfª, afun'Ë74 PgPdla a}+s lnld6]8, zfvf sfo{fno d;'l/of, s}nfnL75 PgPdla a}+s lnld6]8, zfvf sfo{fno aGufO{, slkna:t'76 PgPdla a}+s lnld6]8, zfvf sfo{fno l6d'/], /;'jf77 PgPdla a}+s lnld6]8, zfvf sfo{fno ef]hk'/78 PgPdla a}+s lnld6]8, zfvf sfo{fno x]6f}8f, dsjfgk'/79 PgPdla a}+s lnld6]8, zfvf sfo{fno sfjf;f]tL, gjnk'/80 PgPdla a}+s lnld6]8, zfvf sfo{fno a]gL, DofUbL81 PgPdla a}+s lnld6]8, zfvf sfo{fno lghu9, jf/f82 PgPdla a}+s lnld6]8, zfvf sfo{fno uf]nahf/, l;/fxf83 PgPdla a}+s lnld6]8, zfvf sfo{fno ;'v]{t84 PgPdla a}+s lnld6]8, zfvf sfo{fno t'nl;k'/, bfË85 PgPdla a}+s lnld6]8, zfvf sfo{fno O{nfd86 PgPdla a}+s lnld6]8, zfvf sfo{fno ufO{3f6, pbok'/87 PgPdla a}+s lnld6]8, zfvf sfo{fno dx]Gb|gu/,s~rgk'/88 PgPdla a}+s lnld6]8, zfvf sfo{fno bdf}nL, tgx'F89 PgPdla a}+s lnld6]8, zfvf sfo{fno ulN5, wflbË90 PgPdla a}+s lnld6]8, zfvf sfo{fno alb{af;, dxf]Q/L91 PgPdla a}+s lnld6]8, zfvf sfo{fno sf]xnk'/, afFs]92 PgPdla a}+s lnld6]8, zfvf sfo{fno a§]Zj/,wg'iff93 PgPdla a}+s lnld6]8, zfvf sfo{fno r'nfr'nL, Onfd94 PgPdla a}+s lnld6]8, zfvf sfo{fno gf}d'n], b}n]v95 PgPdla a}+s lnld6]8, zfvf sfof{no skg, sf7df8f}+ 96 PgPdla a}+s lnld6]8, zfvf sfof{no s]= cfO{= l;+x, 8f]6L97 PgPdla a}+s lnld6]8, zfvf sfof{no lqj]0fL;':tf , gjnk/f;L98 PgPdla a}+s lnld6]8, zfvf sfof{no a]n8fF8L, s+rgk'/99 PgPdla a}+s lnld6]8, zfvf sfof{no Dffofb]jL, slknj:t'100 PgPdla a}+s lnld6]8, zfvf sfof{no ;'?Ëf, ;Kt/L101 PgPdla a}+s lnld6]8, zfvf sfof{no gj/fhk'/, l;/xf102 PgPdla a}+s lnld6]8, zfvf sfof{no ;v'jfgfSs/s6\6L, l;/xf103 PgPdla a}+s lnld6]8, zfvf sfof{no cf}/xL, l;/xf104 PgPdla a}+s lnld6]8, zfvf sfof{no dxf]Q/L, dxf]Q/L105 PgPdla a}+s lnld6]8, zfvf sfof{no ;f]gdf, dxf]Q/L106 PgPdla a}+s lnld6]8, zfvf sfof{no la>fdk'/, af/f107 PgPdla a}+s lnld6]8, zfvf sfof{no kr/f}tf, af/f108 PgPdla a}+s lnld6]8, zfvf sfof{no x+;k'/, wg'iff
dfly pNn]lvt zfvfx? afx]s a}+sn] g]kfn /fi6« a}+saf6 :jLs[lt lnO{ yk $ PS;6]G;g sfpG6/x? -8f]6Lsf] l;nu9L, ?kGb]xL /fdgu/, sf7df8f}+ lhNnf k|zf;g sfof{no, sf7df8f}+ lhNnf cbfnt_ tyf dn]l;of l:yt k|ltlglw sfof{nosf] dfWodaf6 ;d]t
cfkm\gf] sf/f]jf/ ;+rfng ub}{ cfPsf] 5 .
ª_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf d'Vo p2]Zox? Mª_ ;+ul7t ;+:yfsf] :yfkgfsfnb]lv xfn;Ddsf] ;+lIfKt Oltxf; / ;+ul7t ;+:yfsf d'Vo p2]Zox? M
sf7df8f}+ lhNnf, sf7df8f}+ dxfgu/kflnsf j8f g++ !!, PgPdla ejg, aa/dxn l:yt d'Vo sfof{no /x]sf] PgPdla a}+s ln= n]
ldlt @)%#.)(.)$ df æuÆ au{sf] ljQLo ;+:yfsf] ?kdf sf/f]jf/ ug]{ Ohfht k|fKt ul/ ldlt @)^%.)!.@$ b]lv æsÆ au{sf] a}+sdf :t/f]Gglt eO{ ljut @! aif{b]lv ljQLo sf/f]jf/ ;+rfng ul/ cfPsf] 5 . o; a}+sdf >L lSng O{ghL{ 8]enkd]G6 a}+s ln=, >L e[s'6L 8]enkd]G6 a}+s ln=, >L kflye/f ljsf; a}+s ln= / >L k|'8]lG;on kmfOgfG; sDkgL ln= ufleO{ ldlt @)&@ sflt{s ! ut]af6 PgPdla
a}+s ln= sf] gfdaf6 ljQLo sf/f]jf/ ;+rfng eO{ cfPsf] 5 . a}+sn] xfn !)* zfvf $ PS6]G;g sfp06/, ljleGg :yfgdf zfvf
/lxt a}+lsË / dn]l;ofdf /x]sf] Ps k|ltlglw sfof{no dfkm{t u|fxx?nfO{ ;]jf k|bfg ub}{ cfPsf] 5 .
o; a}+sdf Nederlandse Financierings-Maatschappij Voor Ontwikkelings landen N.V. (Pkm=Pd=cf]=), sd{rf/L ;+ro sf]if
nufotsf ;+:yfx?sf] ;d]t nufgL /x]sf] 5 . o; a}+sdf @) k|ltzt z]o/ :jfldTj /x]sf] Pkm=Pd=cf]= lgb/n}08;\ cGt{/fli6«o ?kdf
/fd|f] 5jL ePsf] Standard & Poor's tyf Fitch h:tf ;+:yfx?n] AAA /]l6Ë u/]sf] lgb/n}08 ;/sf/ ;d]tsf] nufgL /x]sf] cGt{/fli6«o lasf; a}+s xf] . pQm a}+ssf] ljZjsf ljleGg b]zx?df pkl:ylt /x]sf] 5 .
a}+ssf] k|aGwkqdf pNn]v ul/P adf]lhd g]kfn /fi6« a}+s P]g, @)%*, k|rlnt a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#, ljb]zL
ljlgdo lgoldt ug]{ P]g, @)!(, k|rlnt sDkgL P]g tyf cGo k|rlnt sfg'gsf] clwgdf /xL ljQLo sf/f]jf/ ug]{ o; a}+ssf d'Vo
p2]Zox? b]xfo adf]lhd /x]sf 5g\ M
!= a}+ssf lgIf]kstf{ tyf z]o/wgLsf] xslxtsf] ;+/If0f / ;Dj4{g ub}{ :j:y k|ltikwf{af6 ;j{;fwf/0fnfO{ u'0f:t/Lo tyf e/kbf]{
a}+lsË÷ljQLo dWo:ytf ;]jf pknAw u/fpg],
@= s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Jofj;foLs ?kn] ;DefJo b]lvPsf pTkfbglzn Joj;fosf] :yfkgf, ljsf;, lj:tf/ / Ifdtf
Pjd\ pTkfbsTj a[l4sf nflu cfjZos a}+lsË÷ljQLo ;fwg cfGtl/s tyf afXo ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+
s[lif If]qsf] ljsf;df ultlzntf Nofpg ;xof]u k'¥ofpg],
#= pknAw ;Lk, >d tyf k"FhLnfO{ plrt ?kdf kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pjd\ /f]huf/L d"ns Joj;fosf]
:yfkgf, ;~rfng, ljsf;, lj:tf/ Pjd\ k|j4|{g ug]{ / ;f] sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfksLo
k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg],
$= a}+lsË÷ljQLo ;]jfdf hf]lvd sd ub}{ a}+lsË÷ljQLo If]qsf] pbfl/s/0fdf d2t k'¥ofpg] / b]zsf] cy{tGqnfO{ ;jn tyf ;'b[9
agfpg ;xof]u k'¥ofpg],
%= d'n'sdf 5l/P/ /x]sf] k"FhLnfO{ PsLs[t u/L ;+:yfut nufgL tyf :j:y k|lt:kwf{sf] dfWodaf6 ljQLo dWo:ytfsf] ;]jf pknAw u/fpg] .
a}+sn] pk/f]Qm adf]lhdsf] p2]Zox? sfof{Gjog ug{ k|rlnt sfg"g adf]lhd ;DalGwt lgsfoaf6 cg'dlt jf O{hfhtkq k|fKt ug'{kg]{ ePdf ;f] k|fKt ePkl5 dfq sfof{Gjog ul/g]5 .
r_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf ;fy} To;df ePsf] r_ ;+ul7t ;+:yfsf] s'g} ;xfos sDkgL ePdf ;f] ;xfos sDkgLsf] gfd, Oltxf; / To;sf d'Vo p2]Zox?sf ;fy} To;df ePsf]
nufgLsf] c+z -k|ltztdf_ M nufgLsf] c+z -k|ltztdf_ M
;xfos sDkgLx? M ;xfos sDkgLx? M
PgPdla Soflk6n ln=PgPdla Soflk6n ln=a}+sn] dr]{06 a}+lsË lqmofsnfknfO{ lg/Gt/tf lbg] p2]Zosf nflu a}+ssf] k"0f{ :jfldTjdf /xg] u/L ?=!) s/f]8 k"FhL nufgL u/L ;xfos sDkgLsf] ?kdf PgPdla Soflk6n lnld6]8sf] :yfkgf @)^&÷)^÷)! df u/]sf] xf] . o;sf] d'Vo sfof{no sf=lh= sf=d=g=kf= j8f g++ !, gS;fndf /x]sf] 5 . xfn pQm sDkgLdf a}+ssf] ?=@) s/f]8 nufgL /x]sf] 5 . o; ;xfos sDkgLn] lgisf;g tyf laqmL k|jGws, z]o/ /lh6«f/, k|Tofe'tL, ;fd"lxs nufgL of]hgfsf] ;+rfng, l8j]Gr/ 6«li6 nufotsf ;]jfx? lbO{ cfPsf] 5 . sDkgLn] u|fxsx?nfO{ z]o/ cef}lts/0f ;]jf k|bfg ug{sfnflu alnof] k'jf{wf/ v8f u/]sf]
5 . o; ;xfos sDkgLn] a}+saf6 hf/L Do"r'cn km08x?sf] nflu ænufgL Joj:yfks tyf l8kf]lh6/Lsf] ?kdf sfo{ ub}{ cfPsf] 5 .
PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf ln=PgPdla dfOqmf]kmfOgfG; ljQLo ;+:yf ln=
b]zsf ljs6 lxdfnL tyf kxf8L lhNnfsf cfly{s, ;fdflhs Pjd\ ;f+:s[lt tyf n}lËs ?kdf k5f8L k/]sfx?nfO{ ;dfj]zL n3'ljQ sfo{qmdsf] dfWodaf6 pgLx?sf] cfly{s tyf ;fdflhs ljsf; ub}{ dlxnf ;zlQms/0f tkm{ hf]8 lbg] p2]Zon] :yflkt o; ljQLo ;+:yf ;fljs lSng O{ghL{ 8]enkd]G6 a}+ssf] ;xfos sDkgLsf] ?kdf g]kfn /fi6« a+}saf6 ldlt @)^(÷!!÷@) df ljQLo sf/f]jf/sf]
Ohfhtkqk|fKt æ3Æ ju{sf] ljQLo ;+:yf xf] . PgPdlj a}+sdf lSng O{ghL{ 8]enkd]G6 a}+s dh{ eP kZrft o; ljQLo ;+:yfn] PgPdla
a}+ssf] ;xfos sDkgLsf] ?kdf ljQLo sf/f]jf/ ub}{ cfPsf] 5 . o; ;+:yfsf] r'Qmf k'FhL ?=!$,)*,&%,))).– /x]sf]df PgPdla a}+ssf] %! Kf|ltzt, cGo ;+:yfks JolQmsf] !( k|ltzt / ;j{;fwf/0fsf] #) k|ltzt z]o/ :jfldTj /x]sf] 5 . kf]v/f pkdxfgu/kflnsf j8f g+= @( ldngrf]s, x]Dhf, sf:sLdf s]Gb|Lo sfof{no /x]sf] o; ljQLo ;+:yfn] lxdfNfL tyf kxf8L If]qsf lhNnfx?df &% j6f zfvf
tyf pkzfvfx? ;+rfng u/]sf] 5 . cfufdL lbgdf g]kfn /fi6« a}+saf6 /fli6«o :t/sf] ljQLo ;+:yfdf :t/f]GgtL x'g] cg'dlt lnO{
b]ze/ zfvf ;~rfng ug]{ ljQLo ;+:yfsf] /0fgLlt /x]sf] 5 .
o; ljQLo ;+:yfn] @)&$ ;fn cflZjg d;fGt;Dddf b]zsf ljs6 lxdfnL tyf kxf8L If]qsf s/Lj ^!*&) ;b:ox?nfO{ pgLx?sf] 3/b}nf]df jrt, shf{, jLdf h:tf ljQLo ;]jf k|bfg ug'{sf ;fy} ljleGg ;+3;:yfx?;Fu ;xsfo{ u/L :yfgLo :t/df ;fdflhs
sfo{df xf};nf k|bfg ug{] tyf ;xhstf{sf] e'ldsf lgjf{x ug{] sfo{ ul//x]sf]] 5 .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 8
5_ b]xfosf s'/fx? ;d]t pNn]v ug'{kg]{ -nfu' x'g] xb;Dd_5_ b]xfosf s'/fx? ;d]t pNn]v ug'{kg]{ -nfu' x'g] xb;Dd_!= ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx?M!= ;+ul7t ;++:yfn] pTkfbg ug]{ j:t' jf k|bfg ug]{ ;]jfx?M
a}+sn] k|bfg ug]{ d'Vo ;]jfx?df lgIf]k ;+sng, shf{ k|jfx / cGo a}+lsË ;]jf ;'ljwfx? h:t}M /sdfGt/, /]]ld6\ofG;, P=l6=Pd= cflb kb{5g\ .
@= k|of]u ePsf] jf ul/g] k|ljlw M@= k|of]u ePsf] jf ul/g] k|ljlw M
a}+ssf] Core Banking System sf] ?kdf Pumori-4 k|of]udf NofO/x]sf] 5 . o; afx]s cGo cTofw'lgs ;xfos k|ljlwx?nfO{ a+}ssf ljleGg lqmofsnfk h:t}M ;DkQL z'l4s/0f lgjf/0f (AML), shf{ Joj:yfkg, nufotdf klg k|of]udf NofO{Psf]
5 . o; a}+s ;]jf k|bfos sDkgL ePsf]n] dfly v08 ! df pNn]lvt ;]jf k|bfg ug{ cfjZos k|ljlw ;DkGg /x]sf] 5 .
#= s'g} a|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;++:yf;Fu ;DalGwt af}l4s ;DklQ xs clwsf/ M#= s'g} a|fG8g]d, k|ltlnlk clwsf/, 6«]8dfs{, Ohfhtkq, k|fljlws ;xof]u ;Demf}tf / ;+ul7t ;++:yf;Fu ;DalGwt af}l4s ;DklQ xs clwsf/ M
PgPdla a}+sn] o;sf gfddf g]kfndf btf{ sfod /x]sf 6]«8dfs{x? k|of]u ub}{ cfPsf] 5. o; cGt{ut /x]sf 6]«8dfs{sf] skL/fO{6
PgPdla a}+s ln= sf] :jfldTjdf /x]sf] / a}+ssf] k|of]usf nflu clwsf/k|fKt 5g\ .
$= ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M$= ;+ul7t ;++:yfn] cf]u6]sf] ahf/ If]q M
Dffly a'bfF g+= # -3_ df pNn]v eP cg';f/sf zfvf sfof{no tyf PS;6]G;g sfp06/x? /x]sf] :yfgaf6 a}+sn] cfkm\gf] ;]jf k|bfg
tyf ljQLo sf/f]af/ ul//x]sf] 5 .
%= gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M%= gofF pTkfbg tyf ;]jf ;DaGwL of]hgf M
o; a}+sn] cfkm\gf] ljBdfg ;]jfx?df ahf/sf] rfxgf cg'?k lg/Gt/ ?kdf kl/dfh{g ug]{ ub{5 . o; a}+sdf ljb]zL a}+s / ;+:yfsf] ;d]t nufgL /x]sf]n] ljZje/ k|rlnt Pj+ g]kfnL ahf/ ;'xfpFbf gofF ;]jfx? eljiodf cfjZostf cg';f/ k|of]udf Nofpg ;Sg] Ifdtf /fVb5 .
^= pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf M^= pTkfbg tyf ;]jfsf] k|d'v ahf/ / To;sf] dfu / laqmL ljt/0fsf] tl/sf Ma}+sn] dfly a'Fbf g+= #-3_ df pNn]lvt zfvf sfof{no tyf PS;6]G;g sfp06/x?af6 tyf cGo dfWodaf6 cfkm\gf u|fxsx?nfO{ ;]jf k|bfg ub}{ cfO{/x]sf] 5 .
&= pTkfbg÷;~rfng Ifdtf / ;f]sf] pkef]u l:ylt M&= pTkfbg÷;~rfng Ifdtf / ;f]sf] pkef]u l:ylt Ma}+s ;+rfngsf] nflu cfjZos kg]{ hgzlQm, k|ljlw tyf cGo >f]tx? ljBdfg /x]sf 5g\ . a}+sn] cfkm\gf] cfjZostf adf]lhd hgzlQm, k|ljlw tyf cGo >f]tx? kl/rfng ub}{ hfg] 5 .
*= sRrf kbfy{sf] >f]t, lsl;d / pknAwtf M*= sRrf kbfy{sf] >f]t, lsl;d / pknAwtf Mnfu" gx'g] .
(= u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf M(= u'0f lgoGq0fsf] nflu ul/Psf] Joj:yf Mnfu" gx'g] .
!)= cg';Gwfg tyf ljsf; M!)= cg';Gwfg tyf ljsf; M
a}+sn] k|bfg ug]{ ;]jfx? (Services) / u|fxs cg'e"lt (Client Experience) sf] pTs[i6tfsfnflu cfjZos cg';Gwfg tyf ljsf;sf] lg/Gt/ k|lqmof a}+sdf ljBdfg /x]sf] 5 .
!!= ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M!!= ljut !@ dlxgfsf] cjlwdf ;+:yfsf] ;+rfngdf c;/ kg]{ u/L ePsf] afwf, Jojwfg M
;f] gePsf] .
!@= dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f M!@= dhb'/ ;+u7g;Fusf] ;DaGw / ljutdf s'g} cf}Bf]lus ljjfb ePsf] eP, ;f] ;DaGwL ljj/0f Ma}+ssf] sf/f]af/df c;/ kg]{ u/L s'g} ljjfb gePsf] .
!#= ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt M!#= ahf/, k|lt:kwf{ / cGo ;dfg pBf]ux? aLr ;+ul7t ;+:yfsf] l:ylt Mo; a+}s g]kfndf ljut @! jif{b]lv ;+rfngdf /x]sf] 5 . ljb]zL a+}s / ;+:yf tyf sd{rf/L ;+rosf]if ;d]tsf] nufgL ePsf sf/0f o;sf]
Jojxf/ tyf cfr/0f /fli6«o tyf cGt{/fli6«o d"No–dfGotfdf cfwfl/t 5 . a+}sn] cfkm\gf u|fxsx?nfO{ k|rlnt sfg"g, g]kfn /fi6« a}+saf6 ;do ;dodf hf/L ePsf] lgb]{zgx? tyf a}+ssf] gLlt lgodsf clwgdf /lx cfjZos ;]jf tyf ;'ljwfx? k|bfg ub}{ cfO{/xsf]] 5 .
jt{dfg k|ltikwf{Tds ahf/df a}+sn] cfkm\gf] l:ylt alnof] agfO{ /fVg / nufgLstf{x?nfO{ plrt k|ltkmn k|bfg ug{sf nflu
cfkm\gf ;a} ;/f]sf/jfnfx?;Fu kf/blz{tf / Jofj;flostfsf cfwf/df ;f}xfb{k"0f{ / Jofj;flos ;DaGw lj:tf/ u/]sf] 5 . u|fxsx?sf
dfem Ps k|d'v …k|ljlwo'QmÚ a+}ssf] ?kdf :yflkt x'g] of]hgf ;lxt a+}sn] qmlds ?kdf k|ljlw k|wfg ;]jf tyf ;'ljwfx?df lj:tf/
ub}{ cfO{/x]sf] 5 . Joj;fo lj:tf/sf nflu lgIf]k tyf shf{;+u ;DalGwt ljleGg u|fxs nlIft of]hgfx? sfof{Gjogdf NofPsf]
5 . ljb]z l:yt k|ltlglw sfof{no dfkm{t g]kfndf x'g] ljb]zL nufgLsf] ;DefAotf cWoog ul/ ;f] ;+u ;DalGwt Joj;fo lj:tf/
sf] nflu k|of;/t /x]sf] 5 .
o; a}+sdf cGt{/fli6«o ?kdf /fd|f] 5jL ePsf] Standard & Poor's tyf Fitch h:tf ;+:yfx?n] AAA /]l6Ë u/]sf], ljZjsf] ljleGg b]zdf nufgL tyf zfvf sfof{no /x]sf] PkmPdcf] h:tf] ljb]zL a}+s / ;+rosf]if h:tf] ljZjf;Lnf] / 7"nf k'jf{wf/x?df nufgL ug{
;Ifd ;+:yfsf] nufgL /x]sf] / cGt{/fli6«o d'No dfGotfx?nfO{ ;d]t Wofgdf /flv a}+lsË sf/f]jf/ u/L cfPsf] / a}+ssf] lbuf] ljsf;df
Wofg s]lGb|t u/]sfn] g]kfnsf] a}+lsË If]qdf dha't / ljZjfl;nf] a}+ssf] ?kdf :yflkt x'g ;kmn ePsf] 5 .
!$= k|d'v u|fxsx?sf] ljj/0f -h:t}M ;+:yfsf] s'n sf/f]af/df !)∞ jf ;f] eGbf a9Ln] of]ubfg ug]{ jf Joj;fosf] nflu ;+ul7t !$= k|d'v u|fxsx?sf] ljj/0f -h:t}M ;+:yfsf] s'n sf/f]af/df !)∞ jf ;f] eGbf a9Ln] of]ubfg ug]{ jf Joj;fosf] nflu ;+ul7t
;+:yf s'g} k|d"v u|fxs;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f ._ M ;+:yf s'g} k|d"v u|fxs;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f ._ M
;f] gePsf] .
!%= k|d'v ;Knfo;{x?sf] ljj/0f -h:t} M ;+:yfsf] s'n sf/f]af/df !)∞ jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf Joj;fosf] !%= k|d'v ;Knfo;{x?sf] ljj/0f -h:t} M ;+:yfsf] s'n sf/f]af/df !)∞ jf ;f] eGbf a9Ln] of]ubfg ug]{ ;Knfo;{ jf Joj;fosf]
nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M nflu ;+ul7t ;+:yf s'g} k|d'v ;Knfo;{;Fu lge{/ 5 eg] tt\;DaGwL ljj/0f_ M
;f] gePsf] .
-v_ ;DklQsf] ljj/0f M -v_ ;DklQsf] ljj/0f M
-s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M-s_ ;+ul7t ;+:yfsf] pks/0f -KnfG6_ tyf cGo ;DklQ /x]sf] :yfg / pks/0f tyf ;DklQsf] cj:yf M
;jf/L ;fwg;jf/L ;fwg-?= xhf/df_-?= xhf/df_
sfof{no ;fdfgsfof{no ;fdfg-?= xhf/df_-?= xhf/df_
lnhxf]N8 lnhxf]N8 ;DklQ;DklQ
-?= xhf/df_-?= xhf/df_
cGo cGo ;DkQL;DkQL
-?= xhf/df_-?= xhf/df_
hUufhUuftyf ejgtyf ejg
-?= xhf/df_-?= xhf/df_
hDdf v'b ;DklQhDdf v'b ;DklQcf= j= @)&#÷&$ cf= j= @)&#÷&$ -?= xhf/df_-?= xhf/df_
161,625 85,632 82,649 164,316 958,094 1,452,316pk/f]Qm ;DklQ o; a}+ssf] d'Vo sfof{no Pj+ zfvfx?df cjl:yt /x]sf] .
-v_ a'Fbf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -ldlt -v_ a'Fbf -s_ df pNn]lvt ;DklQ ;+ul7t ;+:yfsf] cfkm\g} ;DklQ xf] of lnhdf lnPsf], lnhdf lnPsf] eP lnhsf] cjlw -ldlt
;d]t pNn]v ug'{kg]{_ M;d]t pNn]v ug'{kg]{_ Ma}+ssf] d'Vo sfof{no tyf gS;fn zfvf cfkm\g} ejgdf /x]sf] / cGo zfvfx? jxfndf lnO{ ;+rfng ul/Psf] 5 .
-u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0fM-u_ olb ;DklQ ;+ul7t ;+:yfsf] :jfldTjdf /x]sf] ePdf pQm ;DklQ dfly s'g} lnog jf df]6{u]h eP ;f] ;DaGwL ljj/0fM
;f] gePsf] .
-3_ cfly{s jif{ ;dfKt eP kZrft\ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfaL d"No / ahf/ d"NoaLr -3_ cfly{s jif{ ;dfKt eP kZrft\ ljj/0fkq af]8{df k]z ul/Psf] ldltdf ;+ul7t ;+:yfsf] ;DklQsf] lstfaL d"No / ahf/ d"NoaLr km/s ePdf ;f]sf] ljj/0f Mkm/s ePdf ;f]sf] ljj/0f M
a}+ssf] ;Dk"0f{ ;DklQ jf:tljs vr{sf] lx;fjdf sfod ul/Psf] 5 / ;f]sf] k'gd"{"Nof+sg ul/Psf] 5}g .
-ª_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0f M -ª_ ;DklQsf] d"Nof+sg ul/Psf] tl/sf ;DaGwL ljj/0f M ;f] gePsf] .
-u_ efjL of]hgf tyf /0fgLltM-u_ efjL of]hgf tyf /0fgLltM
s_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doa4 /0fgLlt Ms_ Joj;fo÷;]jfsf] a[l4sf nflu ;+:yfsf] efjL of]hgf / To:tf] of]hgfsf] k|flKtsf nflu rflng] ;doa4 /0fgLlt M
a}+sn] cfkm\gf] ljleGg zfvfx? Dffkm{t a}+lsË kxF'r gk'u]sf] hg;+VofnfO{ a}+lsË kxF'r k'¥ofO{ lghx?nfO{ a}+s vftf vf]Ng tyf art ug]{ afgLsf] ljsf; ug{ k|f]T;fxg ub}{ cfPsf] 5 . o;sf nflu a}+sn] Ps 3/ Ps vftf cleofg ;+rfng ub}{ cfPsf] 5 . of] cleofgnfO{ eljiodf ;d]t lg/Gt/tf lbO{g]5 .
a}+sn] s[lif shf{ tyf ;fgf tyf demf}nf shf{x?sf] cfsf/nfO{ a[l4 ub}{ n}hfg] /0fgLlt lnPsf] 5 . ;fy} a}+sn] hnljB't, gljs/0fLo phf{ nufot pTkfbg d'ns If]qdf shf{ nufgL a[l4 ug{ ljz]if Wofg lbg]5 . ;f]sf nflu Joj;flos ;DefJotf ePsf] :yfgx?df
a}+ssf] zfvf ;+hfn lj:tf/ ug]{ sfo{nfO{ k|fyldstf lbO{g]5 . u|fxsx?nfO{ bIftfk"j{s / ;xL a}+lsË ;]jf pknAw u/fpg k|fljlws
?kdf a}+snfO{ bIf agfpg] / xfn eO{ /x]sf] k|ljlwx?nfO{ cfjZostf cg';f/ cBfjlws ug]{ sfo{ ul/g]5 .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 10
a}+ssf] ljk|]if0f sf/f]jf/ a[l4sf nflu ljleGg b]zx?df Ph]G6x? lgo"Qm ug]{ tyf ;f]sf] cg'udg tyf ljk|]if0f sf/f]jf/sf] a[l4sf
nflu a}+saf6 sd{rf/L v6fpg] tyf ljleGg ljk|]if0f ;]jf k|bfosx?;+u ;Demf}tf u/L a}+s dfkm{t ljk|]if0f leq\ofpg kxn ul/g] 5 .
le;f 8]lj6 tyf qm]l86 sf8{sf] Joj;fo lj:tf/df ljz]if Wofg lbO{g] 5 . ;f]sf nflu rfn' cfly{s jif{af6 a}+sn] le;f 8]lj6 tyf
qm]l86 sf8{ Kn]6kmd{sf nflu cfkm\g} :jLr k|of]udf NofPsf] 5 . o; lsl;dsf] qm]l86 sf8{af6 u|fxsx?n] b]z leq / aflx/
;d]t ;'ljwf pkef]u ug{ ;Sg]5g\ .
a}+sn] ;xfos sDkgLx?sf] sf/f]jf/sf] cfsf/ a[l4sf nflu ljz]if Wofg lbO{g] . Do"Ro"cn km08sf] sf/f]jf/ a[l4sf nflu gofF
of]hgf ;lxtsf] Do"Ro"cn km08 hf/L ug]{ k|s[of cl3 a9fO{g]5 .
-v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljio M-v_ k|lt:kwf{, ljBdfg cfly{s l:ylt / ;dfg lsl;dsf] pBf]usf] l:yltsf] cfwf/df ;+ul7t ;+:yfsf] Joj;fosf] eljio M
g]kfnL a}+lsË If]q lbgk|ltlbg k|ltikwf{Tds aGb} u}/x]sf] cj:yf 5 . g]kfnsf] ljQLo jhf/df ljz]iftM @)$&÷@)$* ;fnkl5sf] pbf/
cy{tGqsf] cjnDag kZrft\ a}+lsË Pj+ ljQLo ;]jf k|bfg ug]{ p2]Zon] ;xsf/L, ljQ sDkgL, ljsf; a}+s / jfl0fHo a}+sx? clwstd
?kdf ;+rfngdf cfPsf x'g\ . ;du|df o;/L ckgfO{Psf] pbf/ cy{tGq Pj+ v'nf cfly{s gLltn] pkef]Qmfx?nfO{ pNn]Vo ?kdf
;'ljwf tyf kmfObf k'u]sf] kfOG5 .
a}+s Pj+ ljQLo ;+:yfsf] pNn]Vo a[l4n] cy{tGqdf ;sf/fTds k|efj kf/] tfklg /fli6«o Pj+ cGt{/fli6«o 36gfqmdx?df cfpg] ptf/
r9fjn] o; If]qnfO{ k|efljt u/]sf] b]lvG5 . t/ ;Gtf]if ug{ ;lsg]] s'/f s] 5 eg] b]zn] åGåsfnsf] ;dflKtkl5 ;[hgf u/]sf
;fdflhs, cfly{s / cGo c;/x?sf] plrt Joj:yfkg ub}{ ;+ljwfg ;efaf6 gofF ;+ljwfg hf/L ug{ ;kmn ePsf] 5 . kmn:j?k
casf lbgx? cfly{s pGgtL, ljsf; lgdf{0f / gj g]kfn lgdf{0fsf] nIodf cuf8L a9\g] k|ltj4tf ;DalGwt kIfx?n] hfx]/ ul/;s]sf] l:yltdf, g]kfnsf] cfly{s a[l4b/ ;lxt cGo ;Da[l4sf ;"rsf+sx? ;sf/fTds /xg] s'/fdf cfzfjfbL x'g ;lsG5 .
pk/f]Qm jftfj/0fn] b]ze/L g} pBf]u, Jofkf/, Joj;fo, s[lif Pj+ ;du| cy{tGq rnfodfg x'g] / o;n] a9L eGbf a9L ;d'bfonfO{ a}+lsË If]qleq ;d]6\g] cj;/ k|bfg ug]{ b]lvG5 . o;af6 a}+sx?sf] cfly{s lqmofsnfkdf k|z:t ;Defjgfx? phfu/ x'g] cg'dfg klg ug{ ;lsG5 . o; a}+sdf ljb]zL a}+s tyf ;+:yfx? / sd{rf/L ;+ro sf]if ;d]tsf] nufgL ePsfn] o;n] cfkm\gf] Jofkf/ / Joj;fo clej[l4 u/L cfkm\gf u|fxsju{x?df /fli6«o tyf cGt{/fli6«o dfkb08 cg'?ksf a}+lsË ;]jf tyf ;'ljwfx? pknAw u/fpg ;Sg] Ifdtf /fVb5 .
a}+sn] ahf/sf] kx'FrnfO{ a9fpg / k"FhLsf] cfwf/nfO{ a[l4 ug{sf nflu k"jf{~rn If]qdf cfkm\gf] ar{:j sfod ug{ ;kmn a}+ssf] ?kdf kl/lrt kflye/f ljsf; a}+s ln= / klZrdf~rn If]qdf cfkm\gf] Ps cnu} klxrfg agfpg ;kmn ePsf] e[s'6L ljsf; a}+s ln=,phf{ If]qsf] ljsf;df 6]jf k'¥ofpg] p2]Zo ;fy :yflkt tyf ljsf; a}+ssf] If]qdf cfkm\gf] Ps cnu} klxrfg agfpg ;kmn lSng O{glh{ 8]enkd]G6 a}+s lnld6]8 / k"FhLut cfwf/ alnof] /x]sf] /fli6«o :t/sf] k|'8]lG;on kmfOgfG; sDkgL lnld6]8nfO{ a}+sdf ufleO{ ldlt @)&@ ;fn sflt{s ! ut]af6 PgPdla a}+s ln= sf] gfdaf6 ;+o"Qm sf/f]jf/ yfn]sf] / o;af6 a}+ssf] If]qut ?kdf ;d]t k|ltlglwTj alnof] eO{ Joj;fo lj:tf/df g]kfns} cu|l0f a}+sx?sf] ;"rLdf o; a}+snfO{ k'¥ofpg ;kmn ePsf] 5 .
pNn]lvt sf/0fx?af6 a}+sn] cfkm\gf] ;'b[9 ljQLo cj:yfnfO{ cem dha't kfb}{, cfkm\gf] ;|f]t Pj+ ;fwgx?sf] cTolws kl/rfng u/L cem ;zSt ?kdf cfkm\gf] sfo{ ;+rfng ub}{ a}+lsË If]qsf] cu|0fL a}+ssf] ?kdf cfkm"nfO{ :yflkt ug{ ;kmn x'g]5 eGg] s'/fdf a}+s ljZj:t /x]sf] 5 .
3_ ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M 3_ ;+rfns ;ldltsf] ;+/rgf / k|ltlglwTj ;DaGwL Joj:yf M
;+rfns ;ldltsf] ;+/rgf, ;+rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M ;+rfns ;ldltsf] ;+/rgf, ;+rfnsx?sf] of]Uotf / k|ltlglwTj tyf ;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M
o; a}+ssf] lgodfjnLsf] lgod @&-@_ df ePsf] Joj:yf cg';f/ ( -gf}_ hgf ;~rfns /x]sf] Ps ;~rfns ;ldlt /xg] Joj:yf /x]sf]df a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# n] a}+s tyf ljQLo ;+:yfsf] ;+rfnssf] ;+Vof clwstd & hgf;Dd x'g] Jo:yf
u/]sfn] b]xfo adf]lhd x'g] ul/ ;+rfns ;ldlt /x]sf] 5 .
;+:yfks ;d'xsf z]o/wgLx?sf] lgjf{lrt $ -rf/_ hgf;j{;fwf/0f ;d'xsf z]o/wgLaf6 lgjf{lrt @ -b'O{_ hgf:jtGq ;+rfns ! -Ps_ hgf
;+rfnsx?sf] sfo{sfn $ -rf/_ jif{sf] x'g]5 .
;j{;fwf/0f z]o/wgLx? tyf sd{rf/Lx? /x]sf] ;d'xaf6 yk ;fj{hlgs z]o/ lgisfzg kZrftsf] k'FhLsf] ;+/rgf adf]lhd ;+rfns
;ldltdf yk k|ltlglwTj x'g] ul/ cfufld ;fwf/0f ;efaf6 a}+ssf] lgodfjnLdf ;+zf]wg ul/ g]kfn /fi6« a}+ssf] :jLs[lt kZrft nfu' ul/g]5 .
;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M;+rfns x'gsf] nflu lng'kg]{ Go"gtd z]o/ ;+Vof ;DaGwL Joj:yf M
o; a}+ssf] lgodfjnLdf Joj:yf eP cg';f/ a}+ssf] ;+rfns kbdf lgo'Qm x'gsf] nflu s'g}klg JolQmn] cfkm\gf] gfddf sDtLdf !))
-Ps ;o_ lsQf z]o/ lnPsf] x'g'kg]{5 .
t/ s'g} ;+ul7t ;+:yf, ljb]zL a}+s jf ljQLo ;+:yfn] z]o/ lnPsf] cj:yfdf ;f] ;+:yfn] lnPsf] z]o/sf] cg'kftdf x'g cfpg]
;+rfns÷j}slNks ;+rfns lgo'Qm ubf{ tyf g]kfn /fi6« a}+sn] hf/L u/]sf] lgb]{zg adf]lhd :jtGq ;+rfns lgo"Qm ubf{ JolQmut
x}l;otn] To:tf] Go"gtd z]o/ lng cfjZos x'g]5}g .
$= k"FhL ;+/rgf ;DaGwL hfgsf/L M$= k"FhL ;+/rgf ;DaGwL hfgsf/L M
-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft\ ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M-s_ clws[t, hf/L tyf r'Qmf k"FhL / ;+:yfsf] :yfkgf kZrft\ ;f] df kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
clws[t k"FhL M clws[t k"FhL M o; a}+ssf] clws[t k"FhL ¿= !),))),))),))) -cIf]?kL bz ca{ ?k}ofF_ x'g]5 . pQm k"FhLnfO{ ¿= !))÷– sf b/n]
!),)),)),))) -bz s/f]8_ ;fwf/0f z]o/df ljeflht ul/Psf] 5 .
hf/L k"FhL Mhf/L k"FhL M o; a}+ssf] hf/L k"FhL ?=^,$^,!&,&$,##$.)^ -cIf]/]lk 5 c/a 5ofnL; s/f]8 ;q nfv rf}xQ/ xhf/ tLg ;o rf}+QL;
/ k};f 5 dfq_ /x]sf] 5 . yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ k"0f{ laqmL eO{ ;fwf/0f z]o/sf] afF8kmfF8 u/] kZrft\ a}+ssf]
r'Qmf kF"hL ?= &,^),#@,(),^#$.)^ -cIf]?kL ;ft ca{ ;f7L s/f]8 aQL; nfv gAa] xhf/ 5 ;o rf}tL; ?k}of / k};f 5 dfq_ x'g]5 .
r'Qmf k"FhL Mr'Qmf k"FhL M o; a}+ssf] r'Qmf k"FhL ?=^,$^,!&,&$,##$.)^ -cIf]/]lk 5 c/a 5ofnL; s/f]8 ;q nfv rf}xQ/ xhf/ tLg ;o rf}+QL; / k};f 5 dfq_ /x]sf] 5 . yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ k"0f{ laqmL eO{ ;fwf/0f z]o/sf] afF8kmfF8 u/] kZrft\ a}+ssf] r'Qmf kF"hL ?=&,^),#@,(),^#$.)^ -cIf]?kL ;ft ca{ ;f7L s/f]8 aQL; nfv gAa] xhf/ 5 ;o rf}tL; ?k}of / k};f 5 dfq_ x'g]5 .
clws[t, hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f Mclws[t, hf/L tyf r'Qmf k"FhLdf eO{ cfPsf]÷kl/jt{g ePsf] eP tT;DaGwL ljj/0f M
cf= j= cf= j= @)^@÷^#@)^@÷^# kZrft\ a}+ssf] k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f M kZrft\ a}+ssf] k"FhLdf ePsf] kl/jt{g ;DaGwL ljj/0f M
qm=;+qm=;+ cf= j=cf= j= clws[t k'FhLclws[t k'FhL Hff/L k'FhLHff/L k'FhL r'Qmf k'FhLr'Qmf k'FhL
1 2062/63 400,000,000 200,000,000 130,000,000
2 2063/64 1,000,000,000 1,000,000,000 199,540,600
3 2064/65 1,000,000,000 1,000,000,000 1,000,000,000
4 2065/66 2,000,000,000 1,501,500,000 1,424,641,350
5 2066/67 2,000,000,000 1,501,500,000 1501500000
6 2067/68 2,000,000,000 2,000,000,000 2,000,000,000
7 2068/69 2,000,000,000 2,000,000,000 2,000,000,000
8 2069/70 2,000,000,000 2,000,000,000 2,000,000,000
9 2070/71 2,000,000,000 2,000,000,000 2,000,000,000
10 2071/72 5,000,000,000 2,400,000,000 2,400,000,000
12 2072/73 8,000,000,000 4486924065.6 4,486,924,065.6
13 2073/74 10,000,000,000 6,461,774,334.06 6,461,774,334.06
-v_ lgisfzg kl5sf] r'Qmf kF"hL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M -v_ lgisfzg kl5sf] r'Qmf kF"hL -;d"xs[t ul/Psf] cj:yfdf ;f]xL cg'?k_ M
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ug{'' k"j{ a}+ssf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd /x]sf] 5 M
;d'x;d'x Zf]o/wgLZf]o/wgL z]o/ lsQfz]o/ lsQf k'+hL ;+/rgf -k|ltzt_k'+hL ;+/rgf -k|ltzt_ r'Qmf /sd -?=_r'Qmf /sd -?=_ e'QmfgL k|ltzte'QmfgL k|ltzt
-s_ ;+:yfks z]o/wgLx? 3,87,76,781.93 60.01 3,87,76,78,193/50 zt\k|ltzt
-v_;j{;fwf/0f z]o/wgLx?-sd{rf/Lx? ;d]t_ 2,58,40,961.41 39=99 2,58,40,96,140/56 zt\k|ltzt
hDdf 6,46,17,743.34 100.00 6,46,17,74,334/06
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 12
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ u/L afF8kmfF8 u/] kZrft\ a}+ssf] r'Qmf k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 M
;d'x;d'x Zf]o/wgLZf]o/wgL z]o/ lsQfz]o/ lsQf k'FhL ;+/rgfk'FhL ;+/rgf r'Qmf /sd -?=_r'Qmf /sd -?=_ e'QmfgL k|ltzte'QmfgL k|ltzt
-s_ ;+:yfks z]o/wgLx? 3,87,76,781.93 %!=)) 3,87,76,78,193/50 zt\k|ltzt
-v_;j{;fwf/0f z]o/wgLx?
-sd{rf/Lx? ;d]t_ 3,72,56,124.41 $(=)) 3,72,56,12,440/56 zt\k|ltzt
hDdf 7,60,32,906.34 !))=)) 7,60,32,90,634/06
-u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M -u_ z]o/ lk|ldod vftf -lgisfzg k"j{ / lgisfzg kZrft\_ M
qm=;+=qm=;+= vftfsf] gfdvftfsf] gfd lgisfzg k'j{ ?=lgisfzg k'j{ ?= lgisfzg kZrft\ ?=lgisfzg kZrft\ ?=
! z]o/ lk|ldod vftf !,$@,$*,%&,($&=@) 40,84,590,926.20
%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M%= ;+:yfks÷;+rfns ;DaGwL hfgsf/L M
-s_ ;+:yfks÷;+rfnssf] k[i7e"dLM-s_ ;+:yfks÷;+rfnssf] k[i7e"dLM
s_ cfwf/e"t z]o/wgLx? tyf ;+rfnsx?sf] gfd, kb, pd]/, /fli6«otf, 7]ufgf, z]o/ :jfldTj, z}lIfs of]Uotf, cg'ej / k|:tfljt
Jofkf/÷Joj;fodf cg'ej M cfwf/e"t z]o/wgLsf] ljj/0f Mcfwf/e"t z]o/wgLsf] ljj/0f M
qm=;+=qm=;+= Gffd÷7]ufgfGffd÷7]ufgf kbkb /fli6«otf/fli6«otf z]o/ :jfldTjz]o/ :jfldTj z}lIfsz}lIfsof]Uotfof]Uotf
cg'ejcg'ej-;DalGwt jf cGo_-;DalGwt jf cGo_
!
Nederlandse Financierings-Maatschappij Voor Ontwikkelingslanden N.V. – (FMO)
;+:yfks g]b/Nof08 12,923,547 nfu' gx'g] nfu' gx'g]
@ sd{rf/L ;+ro sf]if ;+:yfks g]kfn 5,216,633 nfu' gx'g] nfu' gx'g]
#Yong Lian Realty SDN BHD, Malaysia. ;+:yfks dn]l;of 3,978,885 nfu' gx'g] nfu' gx'g]
$ufoqL OGe]i6d]06 P08 Dofg]hd]G6 k|f=ln=
;+:yfks g]kfn 1,870,692 nfu' gx'g] nfu' gx'g]
%gGb lszf]/ /f7Llj/f6gu/–!@, df]/Ë .
;+:yfks g]kfnL 1,589,709 lasd#% jif{ b]vL,
pBf]uL÷Joj;foL
^wgGho k|;fb cfrfo{v'dn6f/, nlntk'/ .
;+:yfks g]kfnL 1,442,134 la=P= pBf]uL÷Joj;foL
&=ljzfn cu|jfnnflhDkf6, sf7df8f}+
;+:yfks g]kfnL 1,185,551 PdlaP pBf]uL÷Joj;foL
*k'?iff]Qd nfn ;+3fO{OGb|rf]s, sf7df8f}+
;+:yfks g]kfnL 1,073,513 pBf]uL÷Joj;foL
(;Gtf]if /f7Lb]jsf]6f dfu{, sf7df8f}+ .
;+:yfks g]kfnL 938,826pBf]uL÷Joj;foL
!)kjg s'df/ uf]Nof0fjfg]Zj/ xfO6 !), sf7df8f}+ .
;+:yfks g]kfnL 871,977 la=sd#! jif{ b]vL,
pBf]uL÷Joj;foL
!!;Gtf]if b]jL d'/f/sfyfkfynL !!, sf7df8f}+ .
;+:yfks g]kfnL 749,918 Joj;foL
;+:yfks z]o/wgLx?sf] ljj/0f M ;+:yfks z]o/wgLx?sf] ljj/0f M
s|=;=s|=;= GffdGffd 7]ufgf7]ufgf ;]o/ lsQf -;+:yfks_;]o/ lsQf -;+:yfks_
1 x/L z+s/ lqkf7L 6+ufn, sf7df8f}++ 20,857.00
2 an/fd g]pkfg] kfgLkf]v/L #, sf7df8f}++ 345,967.00
3 k'?iff]Qd nfn ;+3fO{ OGb|rf]s, sf7df8f}++ 865,543.00
4 kjg s'df/ uf]Nof0f afg]Zj/ !), sf7df8f}++ 865,543.00
5 lzj/tg zf/8f lqk'/]Zj/ !!, sf7df8f}++ 176,982.00
6 gGb lszf]/ /f7L la/f6gu/ !@, df]/Ë 1,158,293.00
7 sd{rf/L ;+ro sf]if k'Nrf]s, nlntk'/ 4,295,301.00
8 lbJod0fL /fhe08f/L jlQ;k'tnL (, sf7df8f}++ 88,440.00
9 /fh]z s'df/ cu|jfn jlQ; k'tnL, sf7df8f}++ 204,305.00
10 8f=k'is/ gfy kGt d}tLb]jL, sf7df8f}++ 32,474.00
11 /d]z gfy 9'Ë]n afg]Zj/ !), sf7df8f}++ 25,257.00
12 of]Ë lnog l/oN6L P;l8Pg ljPr8L dn]l;of 2,916,759.00
13 ;Gtf]if /f7L dWoafg]Zj/ !), sf7df8f}++ 658,268.00
14 gGb lszf]/ zf/8f lj/f6gu/, df]/Ë 67,949.00
15 Zofd ;'Gb/ ;f/8f /fgLxf6, lj/f6gu/, df]/Ë 67,949.00
16 dx]z s'df/ ;f/8f yfkfynL, sf7df8f}++ 68,406.00
17 dgf]h k|;fb lwtfn gof+ afg]Zj/ !), sf7df8f}++ 63,881.00
18 ;u'g kGt wf]lavf]nf, sf7df8f}++ 1,308.00
19 ufoqL OGe]i6d]06 P08 d]g]hd]G6 k|f=ln= lj/f6gu/ !%, df]Ë 1,247,071.00
20 g/kt l;+x h}g gS;fn !, sf7df8f}++ 308,294.00
21 dGh' tfkl8of afg]Zj/ !), sf7df8f}++ 419.00
22 l;4fy{ d0fL /fhe08f/L d08Lvf6f/ *, sf7df8f}++ 110,298.00
23 l;4fGt d0fL /fhe08f/L d08Lvf6f/ (, sf7df8f}++ 110,298.00
24 ;'lznf kf08] nflhDkf6, sf7df8f}++ 17,674.00
25 ljgf]h k|;fb lwtfn gof+afg]Zj/, sf7df8f}++ 60,628.00
26 cg'hf zdf{ -lwtfn_ kfgLkf]v/L, sf7df8f}++ 60,628.00
27 cgGt s'df/ uf]Nof0f lj/f6gu/ !&, df]/Ë 366,842.00
28 ;'efif rGb| ;+3fO{ OGb|rf]s, sf7df8f}++ 214,435.00
29 czf]s s'df/ d'/f/sf lj/f6gu/, df]/Ë 259,664.00
30 ljzfn cu|jfn nflhDkf6 @, sf7df8f}++ 1,125,207.00
31 ljSsL xf8{j]o/ xfp; k|f=ln= sf]6]Zj/, sf7df8f}++ 84,823.00
32 k|ef lwtfn sf]O/fnf sf=d=kf= #$, sf7df8f}++ 19,164.00
33 rGb|]z s'df/ h}g gS;fn, sf7df8f}++ 111,995.00
34 lbgaGw' cu|jfn eb|k'/ %, emfkf 358,789.00
35 lht]Gb| afx]lt afg]Zj/ !), sf7df8f}++ 119,631.00
36 cfgGb s'df/ ?Ë6f 6]s' !%, sf7df8f}++ 3,656.00
37 ;'gLtf cu|jfn d}ltb]jL #@, sf7df8f}++ 35,694.00
38 uf]dfb]jL Gof}kfg] kfgLkf]v/L $, sf7df8f}++ 196,747.00
39 gd|tf rf]vfgL ef6e6]]gL $, sf7df8f}++ 17,891.00
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 14
40 8f= /d]z rf]vfgL ef6e6]gL $, sf7df8f}++ 4,399.00
41 kz'klt d'/f/sf yfkfynL, sf7df8f}++ 316,936.00
42 la/]Gb| s'df/ ;+3O{ OGb|rf]s @%, sf7df8f}++ 45,227.00
43 dgLif h}g gS;fn, !, sf7df8f}++ 65,023.00
44 lzj z+s/ cu|jfn lj/f6gu/, df/Ë 30,844.00
45 z/b uf]on eb|k'/ (, emfkf 224,448.00
46 od'gf b]jL tfk8Lof lj/f6gu/, df]/Ë 148,260.00
47 lht]Gb| s'df/ c6n lj/f6gu/, df]/Ë 29,880.00
48 ;f}/e kGt d}ltb]jL, sf7df8f}++ 58,245.00
49 dgf]h s'df/ uf]on eb|k'/ (, emfkf 3,084.00
50 o'un lszf]/ /f7L la/f6gu/ *, df]/Ë 182,315.00
51 k|lbk s'df/ d'/f/sf yfkfynL, sf7df8f}++ 162,878.00
52 ;Gtf]if b]jL d'/f/sf yfkfynL, sf7df8f}++ 539,784.00
53 /f]d0fL k|;fb kf7s cfgGbjg !, ?kGb]xL 35,678.00
54 u0f]z k|;fb kf7s cfgGbjg %, ?kGb]xL 35,677.00
55 gxs'n k|;fb kf7s a'6jn *, ?kGb]xL 35,678.00
56 nf]s gfy e';fn a'6jn !!, ?kGb]xL 40,616.00
57 s]zj/fh Gof}kfg] z+s/gu/ %, ?kGb]xL 7,076.00
58 xf]d/fh a:ofn a'6jn (, ?kGb]xL 53,880.00
59 g/x/L v/]n cfgGbjg &, ?kGb]xL 35,677.00
60 s[i0f k|;fb kf7s a'6jn *, ?kGb]xL 35,678.00
61 df]tL nfn kf08] a'6jn!#, ?kGb]xL 35,677.00
62 df]xg e08f/L a'6jn *, ?kGb]xL 11,760.00
63 bfdf]b/ 1jfnL a'6jn!!, ?kGb]xL 35,677.00
64 pbo/fh e08f/L a'6jn!@, ?kGb]xL 19,403.00
65 df]tL/fh 1jfnL a'6jn!!, ?kGb]xL 35,678.00
66 kz'klt l3ld/] cfgGbjg %, ?kGb]xL 309.00
67 1fg k|;fb kf7s cfgGbjg %, ?kGb]xL 35,678.00
68 g]q k|;fb kGyL a'6jn!), ?kGb]xL 24,884.00
69 df]tL nfn clwsf/L a'6jn ^, ?kGb]xL 26,556.00
70 lji0f' k|;fb pkfWofo a'6jn *, ?kGb]xL 35,678.00
71 ;'efif e08f/L cfgGbjg %, ?kGb]xL 35,678.00
72 zflGtb]lj kf08] cfgGbjg $, ?kGb]xL 422.00
73 r08L k|;fb kf08] ;'gjn !, gjnk/f;L 35,678.00
74 afa'/fd e§/fO{ a'6jn *, ?kGb]xL 35,678.00
75 /3'gfy zdf{ 9sfn cfgGbjg ^, ?kGb]xL 1.00
76 /fd k|;fb a:ofn a'6jn!), ?kGb]xL 35,678.00
77 t]h s'df/ kf7s a'6jn!#, ?kGb]xL . 35,678.00
78 s'n k|;fb uf}td a'6jn *, ?kGb]xL 35,678.00
79 snfw/ kf08] a'6jn *, ?kGb]xL 35,677.00
80 Zofd /fh kf}8]n a'6jn!!, ?kGb]xL 35,678.00
81 rGb|sfGt Gof}kfg] cfgGbjg $, ?kGb]xL 15,077.00
82 /jLGb|gfy k+u]gL a'6jn ^, ?kGb]xL 35,678.00
83 afns[i0f u}/] a'6jn !), ?kGb]xL 35,678.00
84 g]q k|;fb e08f/L a'6jn!), ?kGb]xL 32,973.00
85 s]zj k|;fb vs'/fn a'6jn %, ?kGb]xL 30,205.00
86 e'jg]Zj/ k|;fb e08f/L a'6jn &, ?kGb]xL 35,678.00
87 t'N;L /fd aGhf8] a'6jn!!, ?kGb]xL 35,677.00
88 7fs'/ k|;fb sf]O/fnf cfgGbjg 4, ?kGb]xL 35,678.00
89 s[i0f k|;fb Gof}kfg] a'6jn *, ?kGb]xL 17,912.00
90 afdb]j zdf{ kGt a'6jn *, ?kGb]xL 1,501.00
91 af;' ltjf/L a'6jn ^, ?kGb]xL 21,084.00
92 nf]s gfy e08f/L a'6jn *, ?kGb]xL 33,070.00
93 pdf a:ofn cfgGbjg $, ?kGb]xL 35,678.00
94 O{Zj/L k|;fb kf7s a'6jn!), ?kGb]xL 11,892.00
95 k;'{/fd v/]n a'6jn *, ?kGb]xL 1.00
96 sdn k|;fb kf08] z+s/gu/ $, ?kGb]xL 35,677.00
97 e'kfn u}/] a'6jn!!, ?kGb]xL 29,658.00
98 ª0f/fh u}/] a'6jn!!, ?kGb]xL 11,656.00
99 afa' /fd 9sfn a'6jn ^, ?kGb]xL 35,678.00
100 u+uf k|;fb kf7s cfgGbjg $, ?kGb]xL 35,678.00
101 nfn k|;fb e§/fO{ a'6jn *, ?kGb]xL 11,893.00
102 9fsf/fd kf7s z+s/gu/ &, ?kGb]xL 5,697.00
103 b]jL k|;fb kf}8]n cfgGbjg #, ?kGb]xL 35,678.00
104 a]b'/fd k/fh'nL z+s/gu/ %, ?kGb]xL 1.00
105 ?b| gfy sfkm\n] z+s/gu/ %, ?kGb]xL 19,625.00
106 u+uf /fd kf08] z+s/gu/ %, ?kGb]xL 35,678.00
107 z/brGb| e08f/L z+s/gu/ %, ?kGb]xL 9,627.00
108 ltnfb]jL kf08] a'6jn *, ?kGb]xL 35,677.00
109 zf]efs/ kf7s a'6jn ^, ?kGb]xL 35,677.00
110 8dsnf b]jsf]6f a'6jn *, ?kGb]xL 17,912.00
111 /df b]jL Gof}kfg] a'6jn *, ?kGb]xL 11,893.00
112 ?b| k|;fb uf}td z+s/gu/ %, ?kGb]xL 35,678.00
113 a'l4 k|;fb kf7s cfgGbjg @, ?kGb]xL 35,678.00
114 kf]dnfn ;fksf]6f cfgGbjg %, ?kGb]xL 35,678.00
115 nfn k|;fb a:ofn a'6jn %, ?kGb]xL 35,677.00
116 dg?kf cof{n tfg;]g $, kfNkf 35,678.00
117 lvdfgGb uf}td z+s/gu/ & ?kGb]xL 35,677.00
118 hgfb{g u}/] a'6jn *, ?kGb]xL 29,733.00
119 hLjgfy e§/fO{ a'6jn *, ?kGb]xL 35,678.00
120 uf]ljGb k|;fb kGy z+s/gu/ %, ?kGb]xL 5,825.00
121 afdb]j a/fn a'6jn *, ?kGb]xL 35,678.00
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 16
122 lbn k|;fb a:ofn a'6jn ^, ?kGb]xL 35,677.00
123 gf/fo0f k|;fb /]UdL cfgGbjg #, ?kGb]xL 35,678.00
124 bof/fd kf7s cfgGbjg %, ?kGb]xL 29,730.00
125 lji0f' k|;fb 1jfnL an]6S;f/ @, u'NdL 1,981.00
126 dx]Gb| gfy clwsf/L 1fg]zj/, sf7df8f}++ 1,981.00
127 s]zj/fh kf]v|]n a'6jn *, ?kGb]xL 1,981.00
128 /fd s[i0f kf08] cfgGbjg &, ?kGb]xL 660.00
129 dgf]h s'df/ l3ld/] afg]Zj/ #@, sf7df8f}+ 1,981.00
130 lzj/fh vgfn kf]v/fyf]s #, kfNkf 1,981.00
131 s[i0f s'df/ yfkf uNsf]kfvf @(, sf7df8f}+ 660.00
132 sdn gfy zdf{ 1jfnL a'6jn!) ?kGb]xL 660.00
133 x'dgfy 1jfnL a'6jn %, ?kGb]xL 564.00
134 lr/lGhjL Gof}kfg] l;åfy{gu/ *, ?kGb]xL 660.00
135 s]zj/fh /]UdL a'6jn!!, ?kGb]xL 1.00
136 k'is/ aGhf8] hogu/ &, slkna:t' 8,533.00
137 lzn;fu/d0fL lqkf7L l;åfy{gu/ !!, ?kGb]xL 660.00
138 uf]kfn k|;fb cof{n l;åfy{gu/ *, ?kGb]xL 660.00
139 z/b kf}8]n lqe'jg g=kf= %, bfª 1,060.00
140 ls/0f sfkm\n] a'6jn!#, ?kGb]xL 1,981.00
141 6f]k gf/fo0f e08f/L df]tLk'/ $, slknj:t' 19,389.00
142 ljgf]b rGb| sf]O/fnf x]6f}8f !!, dsjfgk'/ 1,980.00
143 df]xg a]Naf;] a'6jn (, bLkgu/ 379.00
144 ;'lw/ 1jfnL a'6jn *, ?kGb]xL 21,396.00
145 lzj k|;fb e'iffn z+s/kf]v/L &, kj{t 1,981.00
146 b]jLbQ 1jfnL s/lxof $, ?kGb]xL 31,024.00
147 clgn kf}8]n a'6jn ^, ?kGb]xL 1,981.00
148 g]q k|;fb kf7s cfgGbjg %, ?kGb]xL 71,047.00
149 ufoqL kf08] cfgGbjg %, ?kGb]xL 35,677.00
150 /fd k|;fb v/]n a'6jn, sf7df8f}+ 35,677.00
151 cg'kdf kGyL a'6jn ^, ?kGb]xL 16,352.00
152 ch'{g s'df/ kf]v/]n ;'gjn , gjnk/f;L 36,846.00
153 lzj s'df/L kf}8]n ;'gjn, gjnk/f;L 12,039.00
154 gljg s'df/ kf]v/]n ;'gjn !, gjnk/f;L 12,039.00
155 sdnf ;fksf]6f ;'gjn !, gjnk/f;L 4,014.00
156 ljGtf kf08] kf]v|]]n ;'gjn !, gjnk/f;L 2,007.00
157 ;+uLtf nfld5fg] ;'gjn $, gjnk/f;L 3,009.00
158 cGh' clwsf/L uh]x8f %, slkna:t' 4,014.00
159 z'lzn cfrfo{ af+8u+uf, slkna:t' 4,014.00
160 dlg/fd kf}8]n af+8u+uf !$, slkna:t' 4,014.00
161 lji0f' k|;fb kf08] afnsf]6 !, eStk'/ , 4,014.00
162 /fdxl/ g]kfn Aff0fu+uf (, slkna:t' 4,014.00
163 l;tf vqL sf]kjf *, slkna:t' 4,014.00
164 k'ikf >]i7 hogu/ &, slkna:t' 4,014.00
165 lht s'df/L vqL k/f]{xf #, d'lu{of, ?kGb]xL 2,007.00
166 sf]lknf s'+j/ k/f]{xf $, d'lu{of, ?kGb]xL 4,014.00
167 n]v s'df/L sfsL{ a'6jn *, ?kGb]xL 4,014.00
168 lgt' a:g]t k/f]{xf, ?kGb]xL 4,014.00
169 sdnf kf}8]n ?kGb]xL 4,014.00
170 k'?iff]Qd l3ld/] a'6jn!% ?kGb]xL 7,296.00
171 lxdfno kGyL x+zk'/ @, ?kGb]xL 6,498.00
172 dl0f/Tg kf08] a'6jn!), ?kGb]xL 5,472.00
173 zflGt u}/] 6|«flkms rf]s, a'6jn 6,019.00
174 nIdL zdf{ cfgGbjg %, ?kGb]xL 35,677.00
175 u+ufb]jL 8'Df|] z+vgu/ !), ?kGb]xL 5,017.00
176 sfnLbfz v/]n z+vgu/ &, ?kGb]xL 5,017.00
177 lgd{nf kf}8]n cfgGbjg $, gof+ldn 5,017.00
178 w|'j s'df/ lwtfn cfgGbjg @, dw'jg 5,017.00
179 r]t gf/fo0f e§/fO{ cfgGbjg !, k'/fgf] ;8s 4,213.00
180 ;j{lht /fgf a'6jn!@, ?kGb]xL 323.00
181 >Lw/ zdf{ sf]N6jf $, ?kGb]xL 1,823.00
182 sNkgf Gof}kfg] cfgGbjg !, dl0fu|fd 5,472.00
183 ljlgtf vgfn a'6jn *, ?kGb]xL 5,472.00
184 dfofb]jL e'iffn cfgGbjg $, ?kGb]xL 2,189.00
185 led/fh v/]n z+s/gu/ %, ?kGb]xL 5,472.00
186 /df clwsf/L lzjk'/ (, ?kGb]xL 16,377.00
187 tf/f k/fh'nL z+s/gu/ &, ?kGb]xL 18,924.00
188 r]t gf/fo0f sfkm\n] z+s/gu/ %, gof+ldn 12,039.00
189 sflnbf; sfkm\n] z+s/gu/ %, gof+ldn 2,007.00
190 s':dfv/ sfkm\n] z+s/gu/ %, gof+ldn 2,006.00
191 nln;/f yfkf bnf{dL 7'6Llkkn %, ?kGb]xL 1,520.00
192 r]t axfb'/ a'rf 7'6Llkkn %, ?kGb]xL 1,520.00
193 cRo't e§/fO{ k8\;/L *, ?kGb]xL 760.00
194 ljho s'df/ yfkf bnf{dL k8\;/L, ?kGb]xL 760.00
195 bn axfb'/ a'rf k8\;/L %, ?kGb]xL 760.00
196 lrGtfdl0f kf}8]n 7'6Llkkn %, ?kGb]xL 760.00
197 gf/fo0f k|;fb jf:tf]nf 7'6Llkkn %, ?kGb]xL 760.00
198 tf/f axfb'/ a'rf du/ 7'6Llkkn %, ?kGb]xL 760.00
199 ljgf]b a'rf yfkf 7'6Llkkn %, ?kGb]xL 1.00
200 lji0f' yfkf 7'6Llkkn %, ?kGb]xL 760.00
201 gGb s'df/L >]i7 7'6Llkkn !, ?kGb]xL 760.00
202 nfn axfb'/ >]i7 7'6Llkkn !, ?kGb]xL 760.00
203 r'8fd0fL Gof}kfg] cfgGbjg #, ?kGb]xL 5,944.00
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 18
204 lai0f' k|;fb cfrfo{ hogu/ (, slkna:t' 3,799.00
205 /]0f'sf kf]v||]n a'6jn!@, ?kGb]xL 10,801.00
206 cGh' kf08] cfgGbjg #, ?kGb]xL 29,597.00
207 7fs'/ k|;fb kf}8]n afg]Zj/ !), sf7df8f}++ 35,677.00
208 nfn axfb'/ 7s'/L s[:tLgfRg]rf}/ uf=lj=;= ^ 7,601.00
209 laGb' dfof aGhf8] a'6jn!!, ?kGb]xL 5,332.00
210 t]h axfb'/ s'j+/ If]qL a'6jn, ?kGb]xL 760.00
211 ?s axfb'/ yfkf If]qL a'6jn !#, ?kGb]xL 760.00
212 lai0f' k|;fb e§/fO{ cu{nL !, kfNkf 26,051.00
213 nf]sgfy Gof}kfg] a'6jn *, ?kGb]xL 9,913.00
214 x'dgfy kf}8]n af+8u+uf !$, slkna:t' 4,427.00
215 k|sfz rfkfufO{ z+s/gu/ #, ?kGb]xL 3,304.00
216 uf]ljGb s+8]n z+s/gu/, ?kGb]xL 4,652.00
217 dGh' k/fh'nL l;=g=kf *, ?kGb]xL 16,753.00
218 kfj{tf l3ld/] af]8uf+p $, ?kGb]xL 1,823.00
219 km;'{/fd kf08] ldgrf]s, tD3f;, u'NdL 8,344.00
220 cRo't s+8]n a'6jn, ?kGb]xL 2,005.00
221 lai0f' ;fksf]6f e§/fO{ u}/f6f]n @, 2,005.00
222 slatf cof{n 1jfnL z+s/gu/ !, ?kGb]xL 4,012.00
223 dfwjL a'rf du/ a'9fyf]sL laGb'gu/ $, ?kGb]xL 759.00
224 dGh' Gof}kfg] z+s/gu/ !), ?kGb]xL 4,012.00
225 kfj{tf l3ld/] af]8ufp %, slkna:t' 182.00
226 zfGtf l3ld/] gf/fo0fu9 @, lrtjg 4,012.00
227 6+s k|;fb kf]v/]n a'6jn !$, ?kGb]xL 5,945.00
228 Zofd /fh pkfWofo a'6jn, ?kGb]xL 35,677.00
229 6f]knf b]jL kf08] cfgGbjg $, ?kGb]xL 35,678.00
230 ladnf kf08] sfnf]k'n, sf7df8f}+ 45,127.00
231 bLks kf08] l;gfd+un (, sf7df8f}+ 4,654.00
232 b]a]Gb| axfb'/ /fpt 3§]s'nf] #@, sf7df8f+}+ 332.00
233 a[x:klt laBfno Joa:yfkg k|f=ln gS;fn !, sf7df8f}+ 119,681.00
234 lah]Zj/ eQm >]i7 sf=d=g=kf= #$, sf7df8f}+ 119,681.00
235 ;'dg /]UdL zdf{ sf=d=g=kf= ##, sf7df8f}+ 23,331.00
236 e'jg b]j kGt sf=d=g=kf= #!, sf7df8f}+ 131,969.00
237 uf}/j OGe]i6d]G6 k|f=ln sf=d=g=kf= #!, sf7df8f}+ 134,208.00
238 ;'lgnf hf]zL ltjf/L sf=d=g=kf= (, sf7df8f}+ 3,217.00
239 c?0f ltjf/L sf=d=g=kf= ##, sf7df8f}+ 5,651.00
240 k|df]b /fh kf08] sf=d=g=kf= ##, sf7df8f}+ 2,659.00
241 hfGxjL b]jL kf08]o hf]zL sf=d=g=kf= #$, sf7df8f}+ 9,973.00
242 dgf]h s'df/ bf; sf=d=g=kf= !$, sf7df8f}+ 6,648.00
243 p4j s'df/ s]=;L= wGjGt/Ldfu{ xfF8Lufpm, sf7df8f}+ 665.00
244 8L=aL ;]So'l/l6h Kf|f=ln= sf=d=g=kf &, rfjlxn, sf7df8f}+ 5,319.00
245 ch{'g s'df/ >]i7 k'tnLjhf/ !, :ofªhf 9,308.00
246 v]d /fh kGt :joDe' !%, sf7df8f}+ 11,303.00
247 ;'lgtf 9'Ë]n s'k08f]n !, nlntk'/ 26,595.00
248 zf/bf u'?Ë lrqsf/ cflzifdfu{ w'Dj/fxL $, sf7df8f}+ . 27,753.00
249 sdn /f0ff cg'k lgjf;, dLgejg, sf7df8f}+ 120,004.00
250 dgf]/~hg /d0f zdf{ sf=d=kf= !^, sfnwf/f, sf7df8f}+ 9,860.00
251 z'e cof{n sf=d=kf= !^, sfnwf/f, sf7df8f}+ 29,529.00
252 c+s'z s'df/ cu|jfn gof+;8s, sf7df8f}+ 37,584.00
253 ladn cx'hf sf=d=kf= #!, k'tnL;8s, sf7df8f} 29,646.00
254 ;Demgf uf}td d}h'axfn, sf7df8f}+ 11,253.00
255 Zofd ;'Gb/ ?+uf6f lj/u++h, k;f{ 21,885.00
256 ljZjgfy s]l8of sflndf6L, sf7df8f}+ 21,748.00
257 clgn s]l8of sflndf6L, sf7df8f}+ 21,420.00
258 /tg nfn s]l8of lj/u++h, k;f{ 86,540.00
259 k|lbk s'df/ s]l8of lj/u++h, k;f{ 16,109.00
260 dgf]h s'df/ s]l8of lj/u++h, k;f{ 15,836.00
261 8f= x]d/fh e08f/L sf=d=gkf=!$ /ljejg, sf7df8f}+ 504.00
262 l;tf/fd k|;fb t'N:ofg cnlvof/f]8, lj/u++h, k;f{ 4,931.00
263 >j0f s'df/ t'N:ofg cnlvof/f]8, lj/u++h, k;f{ 4,626.00
264 kjg s'df/ t'N:ofg cnlvof/f]8, lj/u++h, k;f{ 4,626.00
265 uf]kfn s'df/ t'N:ofg cnlvof/f]8, lj/u++h, k;f{ 4,626.00
266 /d]z s'df/ e§/fO{ cnlvof/f]8, lj/u++h, k;f{ 28,728.00
267 lbkf e§/fO{ cnlvof/f]8, lj/u++h, k;f{ 1,339.00
268 lai0f' k|;fb k/fh'nL l8NnLahf/ #@, sf7df8f}+ 143.00
269 c?0ff /fHo nIdL zfx Afn'jf6f/ $, sf7df8f}+ 498.00
270 la/]Gb| dfg >]i7 Afn'jf6f/ $, sf7df8f}+ 339.00
271 8f= ;fdy{ axfb'/ l;+x cfgGb dfu{, v8\sf eb|sfnL, sf7df8f}+ 309.00
272 d5]Gb| zDz]/ ha/f $@÷#) jfn'jf6f/ $, sf7df8f}+ 309.00
273 d[u]Gb| axfb'/ /fhe08f/L afuahf/ #!, sf7df8f}+ 37,889.00
274 clht las|d zfx PsfGts'gf $, nlntk'/ 4,496.00
275 uf}/j las|d zfx af;af/L, sf7df8f}+ 4,496.00
276 lw/h l/hfn gof+afg]Zj/, ldngrf]s, sf7df8f}+ 10,001.00
277 d]/L kf08] sf=d=g=kf= @, nflhDkf6 3,656.00
278 Plngf kGt sf=d=g=kf= @ nflhDkf6 3,656.00
279 SoflK6e OGe]i6d]G6 sDkgL k||f= ln= a;Gtgu/ !^, sf7df8f}+ 136,485.00
280 ls;f]/ k|;fb >]i7 OGb|rf]s @^, sf7df8f}+ 24,178.00
281 lz/f]h g]kfn bds !), bdsrf}s, emfkf 2,945.00
282 s'd'brGb| pkfWofo lj/f6gu/ !#, ltg6f]lnof df]/Ë 11,779.00
283 g]q k|;fb bfxfn lj/f6gu/ ^, df]/Ë 8,834.00
284 6+s k|;fb /]UdL lj/f6gu/ !#, dfO{:yfg df]/Ë 8,834.00
285 df]xg Gof}kfg] gof+afg]Zj/ #$, sf7df8f}+ 2,945.00
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 20
286 zDe' axfb'/ s]=;L= a'2gu/ !), sf7df8f}+ 10,307.00
287 ltns k|;fb l3ld/] lj/f6gu/ !!, df]/Ë 384.00
288 k'ik/fh >]i7 lj/f6gu/ &, df]/Ë 2,945.00
289 /fh]z clwsf/L lj/f6gu/ !^, k'/fgf]/f]8, df]/Ë 2,944.00
290 s[i0f axfb'/ s]=;L= vqL s6'~h] *, eQmk'/ 1,472.00
291 wgklt kf}8]n sf=d=kf= #%, ldgejg, sf7df8f} 1,472.00
292 nIdL ef/2fh pnf{af/L @, pnf{af/Lrf]s, df]/Ë 29,450.00
293 b]j /fh pkfWofo lj/f6gu/ !, kf]v/Lof, df]/Ë 21,351.00
294 lutf e§/fO{ lj/f6gu/ !), ;/:jtL 6f]n, df]/Ë 8,835.00
295 ljdnf e§/fO{ lj/f5gu/ !#,, lkknrf]s, df]/Ë 8,835.00
296 of]u]Gb| axfb'/ yfkf pnf{af/L ^, ;fn3f/L, df]/Ë 14,725.00
297 ljho s'df/ sfsL{ pnf{af/L $, kz'kltdfu{ df]/Ë 17,670.00
298 a}w gfy bfxfn pnf{af/L ^, df]/Ë 14,725.00
299 1fg s'df/ >]i7 pnf{af/L !, df]/Ë 17,670.00
300 ?kf s'df/L >]i7 pnf{af/L @, pnf{af/Lrf]s, df]/Ë 17,670.00
301 k|sfz v8\uL pnf{af/L $, O6x/f/f]8, df]/Ë 26,505.00
302 u0f]z s'df/ v8\uL pnf{af/L $, pnf{af/Lrf]s, df]/Ë 11,780.00
303 howd{ cfrfo{ pnf{af/L $, b]lj:yfg, df]/Ë 8,835.00
304 l8NnL s'O{s]n O6x/f @, ;f]daf/], df]/Ë 5,889.00
305 lk|o+sf yfkf lj/f6gu/ @, kf]v/Lof, df]/Ë 5,890.00
306 nIdL ;fksf]6f pnf{af/L ^, d+unaf/], df]/Ë 5,890.00
307 gjn s'df/ /fO{ a]naf/L @, df]/Ë 14,725.00
308 k'is/ e§/fO{ pnf{af/L $, pnf{af/Lrf]s, df]/Ë 8,835.00
309 kjg e§/fO{ pnf{af/L !, :s'n8f+8f, df]/Ë 11,779.00
310 rGb| axfb'/ e§/fO{ pnf{af/L $, df]/Ë 11,780.00
311 lbgfgfy bfxfn dfbL/fda]gL @, ;+v'+jf;ef 1,472.00
312 ge/fh l3ld/] sf=d=kf= %, ef6e6]gL, sf7df8f}+ 35,339.00
313 bof/fd e§/fO{ pnf{af/L @, df]/Ë 88,350.00
314 efg'eQm zdf{ pnf{af/L @, df]/Ë 7,362.00
315 Cl4 axfb'/ e§/fO{ pnf{af/L $, df]/Ë 19,731.00
316 k|]d rGb| afx]tL pnf{af/L $, df]/Ë 26,504.00
317 cd/ axfb'/ u'?Ë lj/f6gu/ !^, df]/Ë 23,560.00
318 ch'{g s'df/ Gof}kfg] O6x/f @, df]/Ë 29,450.00
319 /fh]Gb| sfsL{ /fh3f6 %, df]/Ë 3,841.00
320 em'df a}B gof+afg]Zj/ !), sf7df8f}+ 10,306.00
321 s]zj k|;fb ;Tofn sf=d=kf= !), z+vd'n sf7df8f}+ 10,307.00
322 dfg axfb'/ kmfuf] pnf{af/L @, df]/Ë 29,450.00
323 dw';'bg l;njfn afnsf]6 !, eQmk'/ 10,307.00
324 ljGWofrn k|;fb zfx a]naf/L, df]/Ë 7,362.00
325 g]q k|;fb ;'j]bL a]naf/L, df]/Ë 7,362.00
326 b]jL k|;fb kf08] sf]zLx/}rf, df]/Ë 7,362.00
327 dfg axfb'/ /fO{ pnf{af/L, df]/Ë 7,362.00
328 tf]of gfy /]UdL tf]kuf5L, emfkf 5,890.00
329 d'lQmgfy a/fn /fh3f6, df]/Ë 2,945.00
330 vu]Gb| k|;fb vgfn pnf{af/L $, df]/Ë 4,417.00
331 cfO;df /fO{ a]naf/L (, df]/Ë 7,362.00
332 Clifs]z vgfn pnf{af/L $, df]/Ë 2,944.00
333 nId0f yfkf a]naf/L $, df]/Ë 2,945.00
334 lzj k|;fb a/fn a]naf/L !, df]/Ë 2,356.00
335 of]u]Gb| axfb'/ s6jfn lj/f6gu/ %, df]/Ë 7,362.00
336 OZj/L k|;fb clwsf/L pnf{af/L $, df]/Ë 1,471.00
337 l8NnL /fh clwsf/L pnf{af/L #, df]/Ë 1,471.00
338 dfg axfb'/ b]phf pnf{af/L #, df]/Ë 2,944.00
339 sdnf sfsL{ pnf{af/L $, df]/Ë 25,608.00
340 d]g'sf zfSo l3ld/] lj/f6gu/, df]/Ë 2,560.00
341 l8NnL /fd k/fh'nL pnf{af/L @, df]/Ë 7,362.00
342 g]kfn sG;6|S;g P08 O{lGhlgo/LË k|f=ln+= Go'/f]8, sf7df8f}+ 50,909.00
343 /fh' zfSo dfxf/fhuGh #, sf7df8f}++ 20,364.00
344 k|Lldo/ O{G:of]/]G; s+ g]kfn ln+= gS;fn !, sf7df8f}+ 50,909.00
345 cfO{=l;=l6=l;=xf]N8LË s+= k|f=ln= xflQ;f/, sf7df8f}+ 61,091.00
346 k'is/ gfy kGt d}tLb]jL, sf7df8f}+ 6,288.00
347 e'jg]Zj/L kGt aQL;k'tnL (, wf]jLvf]nf, sf7df8f}+}+ 1,197.00
348 xl/x/ lgwL ltjf/L l;kmn &, sf7df8f}+ 9,823.00
349 k|sf; /fh kf08] sf=d=kf= ##, d}tLb]jL, sf7df8f}+ 4,791.00
350 >L/fd nfld5fg] dfgejg %, nlntk'/ 10,181.00
351 rGbf ltjf/L led;]guf]nf, afg]Zj/, sf7df8f}+ 20,364.00
352 b]zk /fh kf08] l8NnLahf/ ##, sf7df8f}+ 16,291.00
353 xl/ k|;fb bxfn /fhlj/fh %, ;Kt/L 3,294.00
354 /Tg ;+;f/ >]i7 sf=d=kf= !^, Dx]kL, sf7df8f}+ 603.00
355 efjgf /f0ff yfkfynL !!, sf7df8f}+ 2,036.00
356 ;f]gfd UofR;f]] kfgLkf]v/L #, sf7df8f}+ 86,546.00
357 zDe' z/0f k|;fb sfo:y 1fg]Zj/ ##, sf7df8f}+ 14,255.00
358 /Ltf nf]xgL lsnfun, sf7df8f}+ 3,593.00
359 pk]Gb| k|;fb kf}8]n aQL;k'tnL (, sf7df8f}+ 37,493.00
360 lasf; /fh kf08] tfxfrn !#, sf7df8f}+ 899.00
361 z}n]Gb| w/ l;Ub]n a;'Gwf/f, sf7df8f}+ 5,090.00
362 /latf kf08] yfgfktL (, g'jfsf]6 1,197.00
363 ;'gLtf gsdL{ sf=d=kf= !&, sf7df8f}+ 3,054.00
364 cd[t axfb'/ >]i7 af+;af/L #, sf7df8f}+ 25,454.00
365 wg~ho k|;fb cfrfo{ w/fg $, ;'g;/L 773,828.00
366 lg? nfld5fg] DX]kL, Sjdfu{ !^, sf7df8f}+ 3,258.00
367 cflifz cfrfo{ xf8Lufp %, sf7df8f}+ 20,364.00
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 22
368 kz'klt OghL{ 8]enkd]G6 s+ k|f=ln= lj;fngu/ $, sf7df8f}+ 136,437.00
369 lzj k|;fb zdf{ afn'jf6/ $, sf7df8f}+ 2,035.00
370 cgLtf >]i7 af+;af/L #, sf7df8f}+ 4,073.00
371 lbkf ;}h' >]i7 dxf/fhu+h #, sf7df8f}+ 4,073.00
372 uf}/L gfy l/dfn k'tnL;8s, sf7df8f}+ 6,109.00
373 nfnL s'df/ >]i7 l8NnLahf/ ##, sf7df8f}+ 2,036.00
374 ;+lhj cof{n l8NnLahf/ ##, sf7df8f}+ 2,036.00
375 /fwfb]jL ltjf/L l8NnLahf/ ##, sf7df8f}+ 2,036.00
376 ;'idf ltldlN;gf cfnf]s gu/, sf7df8f}+ 35,337.00
377 uf]kL gfy zdf{ Kf'tnL;8s #!, sf7df8f}+ 17,369.00
378 dfnf zdf{ kf}8]n l;gfd+un (, sf7df8f}+ 1,437.00
379 huGgfy >]i7 emlD;v]n, nlntk'/ 6,109.00
380 d+unf >]i7 emlD;v]n, nlntk'/ 2,036.00
381 t'n;L k|;fb pk|]tL w'Daf/fxL, sf7df8f}+ 6,108.00
382 km0fLGb| k|;fb clwsf/L a;'Gw/f, sf7df8f}+}++ 4,073.00
383 /fh]Gb| /fpt s+rgjf8L, lj/f6gu/, df]/Ë 134,162.00
384 cg'h /f7L /fdhfgsLky, lj/f6gu/, df]/Ë 61,091.00
385 sdn lszf]/ /f7L /fdhfgsLky, lj/f6gu/, df]/Ë 71,273.00
386 z+s/ nfn cu|jfn ;lgxf6, lj/f6gu/, df]/Ë 62,973.00
387NEDERLANDSE FINANCIERINGS-MAATSCHAPPIJ, VOOR ONTWIKKEL INGSLANDEN (FMO)
ANNA VAN SAKESENLAAN 71,2593 HW THE HAGUE, Netherlands 12,923,547.00
388 O{lGb/f dfgGw/ nflhDkf6 @, sf7df8f}+ 10,181.00
389 /fh s'df/ uf]on eb|k'/ g=kf= (, emfkf 253,578.00
390 uf]ljGb k|;fb ;fksf]6f bd]s, afUn'Ë 10,061.00
391 lgltg s'df/ t'Nof;g cnlvof/f]8, lj/u+h, k;f{ 4,626.00
392 sNkgf kf08] dxf/fhu+h $, sf7df8f}+ 38,005.00
393 lbk]z kf08] cfgGbjg $, ?kGb]xL 35,255.00
394 nIdL cu|jfn aQL;k'tnL, sf7df8f}+ 2,208.00
395 Soflnj/ OGe]i6d]G6 s+= sf=d=kf=#@, cgfdgu/, sf7df8f}+ 8,834.00
396 lg/h >]i6 afg]Zj/, sf7df8f}+ 2,380.00
397 ;+ld|tf ltjf/L l;gfd+un (, sf7df8f}+ 2,380.00
398 lasf; kf08] ltnf]Qdf ^, ?kGb]xL 3,039.00
399 /fh]z kf08] ltnf]Qdf ^, ?kGb]xL 3,041.00
400 b]p?kf kf7s ltnf]Qdf ^, ?kGb]xL 29,981.00
401 /fh]Gb| s'df/ sfj/f gS;fn !, sf7df8f}+ 119,000.00
402 ltn s'df/L e08f/L cfgGbjg $, ?kGb]xL 19,296.00
403 rGb|snf uf}td ltnf]Qdf !, ?kGb]xL 35,678.00
hDdf ;+:Yffks z]o/ lsQf hDdf ;+:Yffks z]o/ lsQf 38,776,781.93
hDdf ;j{;fwf/0f z]o/ lsQf hDdf ;j{;fwf/0f z]o/ lsQf 25,840,961.41
hDdfhDdf 64,617,743.34
;+rfnssf] ljj/0f M
;+rfnssf] ljj/0f M
qm=;
+qm=;
+;+rfnssf] gfd
;+rfnssf] gfd
kbkbpd]/
pd]/
z}lIfs o
f]Uotf
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cg'e
j, k
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g s'df/ uf]No
f0f
;+:y
fks ;
d'xcWoIf
%(:gfts
g]kfnL
afg]Zj/ x
fO6,
sf7df8f}+ .
@)$# ;
fn b
]lv ljleGg
pBf]u Joj
;fodf ;
+nUg ,
cWoIf÷k|aGw
;+rfns– l/nfoG; l:klgË ldN; ln=
@)^@ ;
fn b
]vL xfn;Dd
8,7
1,97
7
@=>L dg
f]h s
'df/ uf]on
;+:y
fks ;
d'x;+rfns
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g]kfnL
eb|k'/ (,
emfkf .
k|d'v s
fo{sf/L clws[t
– lSng
OghL{ 8]en
kd]G6 a
}+s
ln= @)^# – @)&), u
foqL OGe]i6d
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08 d
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k|f=ln
= @)&! ;
fn b
]lv ;
+nUg .
1,14
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>L /fh]Gb| s
fkm\n]
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f/L ;+ro
sf]ifsf]
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clws[t– s
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@)$$ ;
fn b
]lv s
fo{/t .
52,1
6,63
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fwf/0f ;
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gof+ afg]Zj/,
sf7df8f}+ .
@)%! ;
fn b
]lv s
fg'g
Joj;
fodf ;
+nUg–clwjQ
mf .
1,468
^=>L xl/ afa'
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g]kfnL
kfgLkf]v/L,
sf7df8f} .
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]lv h
nljB't
kl/o
f]hgfx?
df s
fo{
ub}{ c
fpg'
ePsf] -Hff]u
dfO{ vf]nf xfO8
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642
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Lk /fh k
f08]
:jtGq
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g]kfnL
l8Nn
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sf7df8f}+ .
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fO/]S6/– g]k
fn a
fo';]jf lgu
d @)$*–@)%),
;+rfns–/fli6«o
ljd
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k/fdz{
;]jfdf c
fj4 .
z]o/
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sf] a}s
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j}slNks
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g]kfnL
lj/f6g
u/–!@,
df]/Ë
.
@)#( ;
fn b
]lv ljleGg
pBf]u, Joj;
fodf ;
+nUg .
xfn d
f?tL l;d]G6
ln=, kz
'klt
vfB t
]n p
Bf]u k
|f=ln=
/ :jb]z
L ;fj'g
pBf]u k
|f=ln= df ;
+nUg .
15,8
9709
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 24
v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f / pQm sDkgL÷;+:yfsf v_ ;+:yfksx? s'g} sDkgL÷;+:yf ePdf To:tf] sDkgL÷;+:yfsf] gfd tyf 7]ufgf ;lxtsf] ;+lIfKt ljj/0f / pQm sDkgL÷;+:yfsf ;+rfnsx?sf] gfd, 7]ufgf, -k|fs[lts AolQm gv'n];Dd_ M;+rfnsx?sf] gfd, 7]ufgf, -k|fs[lts AolQm gv'n];Dd_ M
o; a}+ssf] ;+:yfks sDkgL÷;+:yfsf] gfd tyf 7]ufgf tyf pQm sDkgL tyf ;+:yfsf ;~rfnsx?sf] gfd tyf 7]ufgf ;DaGwL
ljj/0f b]xfo adf]lhd /x]sf] 5 M
qm=;+=qm=;+= ;+:yfsf] gfd 7]ufgf;+:yfsf] gfd 7]ufgf ;+lIfKt ljj/0f;+lIfKt ljj/0f ;+rfns ÷ z]o/wgLx?sf] ljj/0f ;+rfns ÷ z]o/wgLx?sf] ljj/0f
! sd{rf/L ;+ro sf]if
k'Nrf]s, nlntk'/ .
g]kfn ;/sf/sf] k'0f{ :jfldTjdf
/xL ;/sf/L tyf lghL If]qsf
sd{rf/L cjsfz sf]ifsf] /sd
lng] / ;f]nfO{ ljleGg If]qdf
nufgL ug]{ .
lzlz/ s'df/ 9'+ufgf – cWoIf
k|f]km]];/ l8NnL/fh zdf{ – ;b:o
u0f]z k|;fb kf08] -;x;lrj cy{_ – ;b:o
lau|]l8o/ hg/n /fdz/0f sfsL{ – ;b:o
l8cfO{lh kjg k|;fb v/]n – ;b:o
ls/0f s'df/ >]i7 -l;Oof] /f=jf= a}+s_ – ;b:o
t'N;L k|;fb uf}td – ;b:o
@ ufoqL OGe]i6d]06 P08
Dofg]hd]G6 k|f=ln=
lj/f6gu/, df]/Ë .
ldlt @)^) ;fndf :yfkgf eO{
ljleGg sDkgLsf] z]o/df nufgL
ug]{ .
dxflj/ k|;fb uf]on
/tg s'df/ uf]on
dgf]h s'df/ uf]on
;fxfo' uf]on
# YONG LIAN REALTY SDN BHD MALAYSIA
dn]l;ofdf btf{ eO{Rubber planting & Real property ;DalGw sfd ug]{ .
- Jega Devan A/L M. Nadchatiram.- Dato T. Puraharan A/L C.P. Ramkrishan.
$ uf}/j OGe]i6d]G6 k|f=ln=sf=d=kf=#@, cgfdgu/ .
ldlt @)%( ;fn :yfkgf eO{ ljleGg a}+lsË, pTkfbg d'ns sDkgL nufgL ug]{ .
cGh' kf08] kGthgfb{g b]j kGt/fd]Zj/ yfkf>[hgf 9sfnuf]dtL kGt;'lgtf >]i7dLgf kGtofba /fh kf08]g]zgn OGe]i6d]G6 km08 k|f= ln=
g]zgn OGe]i6d]G6 s= k|f= ln=s]zj /fh kf08]eQm k|Nxfb kf08]
v]d/fh kGt
% a[x:ktL ljBfno
Joj:yfkg k|f=ln=gS;fn, sf7df8f} .
ldlt @)%( ;fndf :yfkgf eO{
lzIff If]qdf nufgL u/L z}lIfs ultljwL ;+rfng ub}{ cfPsf] .
k'?iff]Qd/fh hf]zL
ldg' s'df/L hf]zLk|lj0f/fh hf]zLk|Hjn/fh hf]zL
d'/f/Llglw ltjf/L
^ l8 la ;]So'/Ll6h k|f=ln=sf7df8f}+ .
ldlt @)^) ;fndf :yfkgf eO{ ljleGg sDkgLsf] z]o/df nufgL
ug]{ .
leid/fh rfln;]lbjfs/ kf08]
& SoflK6e OGe]i6d]06 s+ k|f=ln=
sf=d=kf= !^, jfnfh' .
ldlt @)^* ;fndf :yfkgf eO{
lwtf]kq nufotdf nufgL ug]{ .
/flhj k|;fb Kofs'/]n
s]zj ld>
* g]kfn sG;6«S;g P08
O{lGhlgo/LË skf]{/]zg k|f=ln=
wf]ljvf]nf, sf7df8f}+ .
ldlt @)!% ;fndf :yfkgf eO{
ljleGg lgdf{0f cfof]hgfx?sf
nflu cfjZos ;fdfgx? cfoft
u/L las|L ug]{ .
lbJod0fL /fhe08f/L
uhfgGb hf]zL
( lk|ldo/ O{G:of]/]G; s+= g]kfn ln=
gS;fn, sf7df8f}++ .
ldlt @)%! df :yfkgf eO{ ljdf
;DaGwL sf/f]jf/ ug]{ .
;''/]z nfn >]i7 –cWoIf
/fhgs[i0f >]i7 – ;b:o
ljho s[i0f >]i7 – ;b:o
/fh]znfn >]i7 – ;b:o
s]bf/ gf/fo0f dfgGw/ – ;b:o
an/fd >]i7 – ;b:o
dgf]h k|;fb /fhe08f/L – ;b:o
!) kz'klt OghL{
8]enkd]G6 s+ k|f=ln=
ljzfngu/, sf7df8f}+ .
ldlt @)%* ;fndf :yfkgf eO{
a}+lsË tyf hnljB't If]qdf
nufgL ug]{ .
ljhodfg z]/rg
dgf]x/ k|;fb z]/rg
/ljGb| dfg >]i7
lbg]z k|;fb >]i7
dx]Gb| nfn k|wfg
/fdxl/ zdf{ldng ljs|d zfx
!! cfO{=l;=l6=l;= xf]lN8Ë s+= k|f=ln=sf7df8f}+ .
ldlt @)%! ;fndf :yfkgf eO{ z]o/ tyf cGo I]fqdf nufgL ug]{ .
/fd nfn >]i7lbg]z nfn >]i7;'/]z nfn >]i7/fh]z nfn >]i7
!@ NEDERLANDSE FINANCIERINGS-MAATSCHAPPIJ, VOOR ONTWIKKEL INGSLANDEN- (FMO), Netherlands.
g]b/Nof08;\df btf{ eO{ a}+lsË ;]jf k|bfg ug]{ .
-Linda Broekhuizen, Chief Investment Offi cer.-Jürgen Rigterink,Chief Risk &Finance Offi cer.-Nanno Kleiterp, Chief Executive Offi cer.
!# ljSsL xf8{j]o/ xfp; k|f=ln=hl8a'6L, sf7df8f} .
ldlt @)^& ;fndf :yfkgf eO{ lgdf0f{ ;dfu|L ÷ xf8{jo/ ;fdfgsf] v'b|f Jofkf/ ug]{ .
k|df]b s'df/ cu|jfnalatf s'df/L cu|jfngjn lszf]/ cu|jfn
!$ Soflnj/ OGe]i6d]G6
sDkgL k|f=ln=
sf=d=kf= #@, sf7df8f} .
ldlt @)^^ ;fndf :yfkgf eO{
l/on :6]6 ;DaGwL sf/f]jf/x?
ug]{ .
hoGb| >]i7
Zofd/fh kf}8]n
z'sb]j l3ld/pQd cof{ndf]xg axfb'/ a:g]t
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 26
u_ ;+ul7t ;+:yfsf ;+rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;+rfns / cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf M u_ ;+ul7t ;+:yfsf ;+rfnsx? cGo s'g} sDkgL, ;+:yf, sf]if, ;+u7g;Fu cfj4 eP To:tf] ;+rfns / cfj4 ePsf] ;+:yfsf] gfd, 7]ufgf M
;~rfnsx?sf] cGo sDkgL, ;+:yf, sf]if, ;+u7g;+u cfj4 ePsf] tyf ;+nUgtfsf] ljj/0f b]xfo adf]lhd /x]sf] 5 .
qm=;+=qm=;+= GffdGffd sDkgL÷;+:yf / 7]ufgfsDkgL÷;+:yf / 7]ufgf cjlwcjlw
! /fh]Gb| sfkm\n]k|d'v clws[tsd{rf/L ;+ro sf]if
ljut @* jif{ b]lv sfo{/t
@= kjg s'df/ uf]Nof0fcWoIf÷k|jGw ;+rfns l/nfoG; l:klgË ldN; ln=
:yfkgf b]lv xfn;Dd
#= dgf]h s'df/ uf]on;+rfns ufoqL OGe]i6d]G6 P08 d]g]hd]G6 k|f=ln=
:yfkgf b]lv xfn;Dd
3_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M 3_ ;+:yfks÷;+rfnssf] xs x:tfGt/0f aGb]h ;DaGwL ljj/0f M
-s_ ;+:yfks z]o/sf] xs x:tfGt/0f g]kfn /fi6« a}+saf6 ;do ;dodf hf/L lgb]{zgsf] clwgdf /lx x'g;Sg]5 .
-v_ ;j{;fwf/0fn] z]o/ v/Lb ubf{ r'Qmf k"FhLsf] Go"gtd !) lsQf tyf s'n hf/L ePsf] z]o/ ;+Vofsf] !-Ps_ k|ltztdf gj9g]
ul/ z]o/ v/Lb ug{ ;Sg]5g\ . t/ xsk|b z]o/ / af]g; z]o/ tyf ;j{;fwf/0fdf hf/L ePsf] z]o/sf] xsdf of] jGb]h nfu' x'g]5}g\ .
-u_ a}+ssf ;+rfns, sfo{sf/L k|d'v, n]vfk/LIfs, ;lrj jf a}+ssf] Joj:yfkg tyf n]vf ;DaGwL sfo{df k|ToIf?kn] ;+nUg JolQmn]
To:tf] kbdf axfn /xFbfsf] jvt jf To:tf] kbaf6 cjsfz k|fKt u/]sf] sDtLdf Ps jif{;Dd ;DalGwt a}+s jf To;sf] ;xfos
sDkgLsf] z]o/ cfkm\gf] jf cfkm\gf] kl/jf/ jf cfkm\gf] jf cfkm\gf] kl/jf/sf] lgoGq0fdf /x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf v/Lb laqmL ug{, u/fpg, ug{ lbg, lwtf]aGws /fVg, /fVg nufpg jf bfg as; lng lbg jf n]gb]g ug{ x'Fb}g . t/ gofF z]o/ hf/L u/]sf] cj:yfdf of] k|ltaGw nfu' x'g]5}g .
-v_ ;+:yfks÷;+rfns;Fusf] sf/f]af/ M-v_ ;+:yfks÷;+rfns;Fusf] sf/f]af/ Ms_ ;+ul7t ;+:yfaf6 s'g} ;+:yfks÷;+rfnsn] k|ToIf jf ck|ToIf ?kdf s'g} j:t' jf ;'ljwf -cfly{s jf u}/ cfly{s_ k|fKt u/]sf
jf k|fKt ug]{ ePdf To:tf] j:t' jf ;'ljwfsf] k|s[lt / d"No / To:tf] ;'ljwf lbP jfkt ;+ul7t ;+:yfn] s'g} ;DklQ, ;]jf k|fKt u/]sf] jf ug]{ ePdf tT;DaGwL ljj/0f M
;DjlGwt kIfx?;Fusf] sf/f]af/ o; ljj/0fkqsf] bkmf g+= !! / ;+rfns ;ldltsf ;b:onfO{ k|bfg ul/g] a}7s eQf / a}+ssf] sfddf ljb]z ofqfdf hfFbf k|bfg ul/g] ;'ljwf o; ljj/0fkqsf] bkmf g+= & -v_ df pNn]v u/] adf]lhd /x]sf] 5 .
v_ a'Fbf -s_ df pNn]lvt a:t' jf ;'ljwfsf] d"No lgwf{/0f ug{ ckgfOPsf] tl/sf M ;+rfnsx?sf] ;]jf ;'ljwf tyf eQmf a}+ssf] ;fwf/0f ;efn], ;+rfns tyf k|d'v sfo{sf/Lsf] kfl/>lds ;+rfns ;ldltn] tyf
;DalGwt kIfx?;Fusf] sf/f]jf/ k|rlnt ahf/ d"Nodf lgwf{/0f ul/Psf] .
^= l;ldt bfloTj ;DaGwL ljj/0f M^= l;ldt bfloTj ;DaGwL ljj/0f M
o; a}+s sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# cGtu{t :yflkt tyf ;~rflnt klJns lnld6]8 sDkgL xf] . o;df z]o/jfnfx?sf] bfloTj ;Lldt 5 . o; a}+ssf z]o/jfnfsf] bfloTj lghn] v/Lb u/]sf] jf v/Lb ug{ saf]n u/]sf] z]o/sf] clwstd /sd;Dd dfq ;Lldt /xg]5 .
&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L M&= ;+ul7t ;+:yfsf] sd{rf/L ;DaGwL hfgsf/L Ms_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf clws[t sd{rf/Lx? ;DaGwL ljj/0f Ms_ ;+ul7t ;+:yfsf] pRr Joj:yfksLo txsf sd{rf/Lsf] gfd, of]Uotf, lgo'lQm ePsf] ldlt, klxn] sfd u/]sf] cg'ej tyf ;+ul7t
;+:yfsf] z]o/ lnPsf] eP z]o/ ;+Vof ;DaGwL ljj/0f . ;fy} To:tf sd{rf/Lx? cGo s'g} ;"lrs[t ;+ul7t ;+:yfsf] cfwf/e"t
z]o/wgL eP jf cGo s'g} ;+ul7t ;+:yfdf nufgL u/]sf] eP pQm ;+ul7t ;+:yfsf] gfd / nufgL u/]sf] /sd v'nfpg' kg]{ .
qm=;
++qm=;
++gfd
tyf kb
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lgo'lQm ldlt
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;+ul7t
;+:y
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t jf ;
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9L n
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v_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t ;+:yfsf] v_ ljj/0fkq af]8{df k|:t't ug{' eGbf ! jif{ cufl8sf] cjlwdf lgod cg';f/ cjsfz k|fKt ePsf] cj:yf afx]s ;+ul7t ;+:yfsf] pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{kg]{ M pRr Joj:yfksLo txdf /x]sf s'g} sd{rf/L kl/jt{g ePdf ;f] ;DaGwL ljj/0f pNn]v ug'{kg]{ M
gePsf] .
u_ sd{rf/L ;+Vof M @)&$ kf}if d;fGt ;Ddsf] laj/0fu_ sd{rf/L ;+Vof M @)&$ kf}if d;fGt ;Ddsf] laj/0f
qm=;+=qm=;+= s'n sd{rf/L ;+Vofs'n sd{rf/L ;+Vof :yfoL:yfoL k/LIf0fsfndf /x]sfk/LIf0fsfndf /x]sf s/f/s/f/ Hofnfbf/LHofnfbf/L cGocGo
! !!@# *&# !!^ #) – !)$ cfp6;f];{
v_ ;+rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f Mv_ ;+rfns Pj+ pRr Joj:yfksLo txsf clws[tnfO{ lbPsf] eQf tyf kfl/>lds ;DaGwL ljj/0f Ms_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{ k|bfg ul/g] s_ ;+rfns ;ldltsf] cWoIf nufot cGo ;b:ox?nfO{ k|bfg ul/g] jf ul/Psf] a}7s eQfsf] b/ tyf lghx?nfO{ k|bfg ul/g]
jf ul/Psf] b}lgs tyf e|d0f eQf / cGo ;'ljwf Mjf ul/Psf] b}lgs tyf e|d0f eQf / cGo ;'ljwf M
a}+ssf] lgodfjnLsf] lgod #@-!_ -s_, -v_, -u_ / -3_ df ePsf] Joj:yf adf]lhd ;~rfnsx?n] kfpg] dfl;s kfl/>lds,
a}7s eQf, b}lgs tyf e|d0f eQf / cGo ;'ljwfx? b]xfo adf]lhd x'g]5 M
-s_ b}lgs sfo{ ;+rfngdf sfo{sf/L k|d'vsf] x}l;otn] k|ToIf ?kdf ;+nUg ePsf] cj:yfdf To:tf] ;+rfnsn] dfq ;fwf/0f ;efn]
lgwf{/0f u/] adf]lhdsf] dfl;s kfl/>lds kfpg] 5 / lghnfO{ :jb]z tyf ljb]zsf] e|d0f vr{ l6s6 adf]lhdsf] jf:tljs vr{
ePsf] /sdsf] cfwf/df e'QmfgL lbg]5 .
-v_ ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt cWoIf / cGo ;+rfnsn] kfpg] k|lt a}7s eQf qmdzM ?=!#,)))÷– /
?= !@,)))÷– x'g]5 .
-u_ a}+ssf] sfdsf] l;nl;nfdf ;~rfnsn] e|d0f ubf{ k|bfg ul/g] b}lgs tyf e|d0f eQf lgodfjnLdf pNn]v eP adf]lhd x'g]5M-3_ ;~rfnsnfO{ 6]lnkmf]g, df]jfO{n / kqklqsfsf] vr{jfkt dfl;s ?=*,))).– e'QmfgL lbO{g] 5 .
-v_ ;+ul7t ;+:yfsf] pRr Joj:yfklso txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s jif{sf] cjlwleq pgLx?nfO{ -v_ ;+ul7t ;+:yfsf] pRr Joj:yfklso txsf tLg hgf clws[tx?sf] gfd / kb / Ps cfly{s jif{sf] cjlwleq pgLx?nfO{ kfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd Mkfl/>ldssf] ?kdf e'Qmfg ul/Psf] /sd M
qm+=;+=qm+=;+= GffdGffd kbkbkfl/>ldssf] /sd -?=_kfl/>ldssf] /sd -?=_
->fj0f !, @)&# b]lv cfiff9 #!, @)&$ ;Dd_->fj0f !, @)&# b]lv cfiff9 #!, @)&$ ;Dd_
! ;'lgn s]=;L= k|d'v sfo{sf/L clws[t ?= !$,@%!,$@(=&%@ k|lbk k|wfg k|d'v ljQ tyf ;+rfng clws[t ?= ^,%#%,*((=@$
# ;jgd lnDa' hf]zL k|d'v ljhg]; ;kf]6{ clkm;/ ?= %,%$),%#$=$(
-u_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f M-u_ s'g} clws[t jf ;+rfnsnfO{ eljiosf] nflu s'g} /sd k|bfg ul/g] u/L s/f/ ul/Psf] eP ;f] ;DaGwL ljj/0f M
;f] gePsf] .
*= cGt/lglxt hf]lvd tyf ;f]sf] Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M*= cGt/lglxt hf]lvd tyf ;f]sf] Joj:yfkgsf] nflu Joj:yfkgsf] wf/0ff M
;+ul7t ;+:yfn] jxg u/]sf] jf ug]{ hf]lvd :ki6 ?kdf pNn]v ug'{kg]{ . o; ;Gbe{df hf]lvdx?nfO{ ;+ul7t ;+:yfsf] cfGtl/s jf Joj;fo÷kl/of]hgf;Fu k|ToIf cyjf ;+ul7t ;+:yfsf] lgoGq0f eGbf aflx/sf] egL jlu{s/0f u/L k|d'v ?kdf b]xfosf] hf]lvdsf] ljZn]if0f ug'{kg]{ .
s_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvdMs_ ljQLo ;fwgsf] cefjaf6 x'g] hf]lvdMahf/df ;do ;dodf b]lvg] t/ntfsf] ptf/ r9fj / ;f]sf] sf/0f lgIf]ksf] Jofhb/df x'g] kl/jt{gaf6 nufgL lj:tf/df ;d:of
b]lvb} cfPsf] 5 . o;af6 a}+ssf] gfkmfdf c;/ kg{ ;Sg]5 . o:tf] hf]lvd Go"lgs/0f ug{sf nflu t/ntfsf] cj:yf / ahf/sf]
l:ytLsf] d'Nof+sg ul/ shf{ tyf nufgL lj:tf/ ul/g] ul/Psf]5 .
Vf_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M Vf_ sRrf kbfy{sf] cefjaf6 x'g] hf]lvd M nfu' gx'g] .
u_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd Mu_ pTkfbg jf ;]jfsf] ahf/sf] l:ylt / o;df cfpg] kl/jt{gaf6 x'g] hf]lvd M
g]kfn /fi6« a}+ssf] lgb]{zg adf]lhda+}s tyf ljQLo ;+:yfx?sf] k"FhL a[l4n] a}+lsË If]q cem dhj'b x'g] xfdLn] ck]Iff u/]sf5f+} . o;n] a+}sx?sf] k|ltikwf{Tds / hf]lvd jxg ug{;Sg] Ifdtf a9fpg] 5 . kmn:j?k, xfdLn] cfufdL lbgx?df ljQLo If]q aLr yk k|ltikwL{
x'b} hfg]5 . k|ltikwf{af6 pTkGg x'g] hf]lvd Joj:yfkgdf o; a}+ssf] pTs[i6 ;]jf tyf ;'ljwf, kl/jt{gnfO{ cfTd;ft ug{;Sg] Ifdtf,
u'0f:t/Lo shf{ kf]6{kmf]lnof] Pjd\ hf]lvd Joj:yfkg ug]{ ;+:sf/ tyf ljz]if1tfaf6 yk ;xof]u k'Ug]5 .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 30
3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 3_ cfof]hgf ;DkGg x'g l9nfO{ x'g] ;Defjgf / To;af6 x'g] d"No clea[l4 (Cost Overrun) sf] hf]lvd Msf] hf]lvd M
nfu' gx'g] .
ª_ ljb]zL ljlgdosf] Mª_ ljb]zL ljlgdosf] M
a+}ssf] ljb]zL d'b|fdf C0f nufgL Go"g /x]sf] 5 . o; afx]s ljb]zL ljlgdo sf/f]af/ ubf{ ljlgdo b/df x'g] kl/jt{gaf6 x'g;Sg]
hf]lvdx?nfO{ Joj:yfkg ug{ cfjZos pkfox? cjnDag ul/Psf 5g\ .
r_ sfg'gL k|lqmofx? tyf Ohfhtk|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? Mr_ sfg'gL k|lqmofx? tyf Ohfhtk|fKt ug'{kg]{ eP ;f]af6 kg{ ;Sg] cj/f]wx? M
sfg'gL k|lqmofx? tyf Ohfhtk|fKt ug'{kg]{ ljifodf eljiodf s'g} pNn]Vo cj/f]w kg]{ gb]lvPsf] .
5_ If]qLos/0f / ljZj JofkLs/0f 5_ If]qLos/0f / ljZj JofkLs/0f (Globalization) sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M sf sf/0faf6 pTkGg x'g ;Sg] hf]lvd M
cGt{/fli6«o tyf If]qLo ahf/df x'g] ptf/r9fjn] g]kfnL ahf/df kg{;Sg] c;/af6 x'g;Sg] cfly{s hf]lvdx? .
o; a}+s d'Votof 5f]6f] cjlwsfnflu ul/g] cGt{/fli6«o Jofkfl/s sf/f]jf/x?df ;+nUg /xg] x'gfn] o:tf Jofkf/;Fu cGt/lgxLt
ljZj tyf If]qLo ahf/df j:t'sf] d"Nodf cfpg] ptf/ r9fj Pj+ ljlgdo b/sf] kl/jt{gaf6 x'g;Sg] hf]lvdx?nfO{ tTk/tfsf ;fy
Joj:yfkg ug{ ;Ifd /x]sf] 5 . g]kfnsf] Ps k|d'v ljb]zL ljlgdosf] >f]t /x]sf] j}b]lzs /f]huf/, cGt{/fli6«o Pj+ If]qLo cfly{s
36gfqmdaf6 k|efljt /xg] x'gfn] o;af6 k|fKt x'g] ljk|]if0fdf eg] o;sf] c;/ kg]{ b]lvG5 . o;af6 b]zsf] j}b]lzs ljlgdo ;+lrtL,
e'QmfgL ;Gt'ng Pj+ cfly{s l:y/tfdf c;/ kg{ ;Sb5 / o;af6 kg{ ;Sg] ck|ToIf c;/x?nfO{ a}+sn] cfkm\gf] kf]6{kmf]lnof]sf]
ef/ d'Nof+sg (Stress Testing) nufot cGo sfo{ljlw cg';/0f u/L Joj:yfkg ug]{ ub{5 . ljZjJofkLs/0faf6 xfd|f] Joj;fodf s'g} gf]S;fgL Joxf]g'{kg]{ cj:yf ;[hgf gx'g] cg'dfg u/]sf 5f+} . k|:tfljt k"FhL a[lån] a}+ssf] hf]lvd jxg ug{;Sg] Ifdtfdf yk ;'b[9 x'g]5 .
h_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd Mh_ ;/sf/L gLlt tyf lgodx?df x'g] kl/jt{g tyf ljZjJofkL ?kdf x'g] gLltut kl/jt{gaf6 pTkGg x'g] hf]lvd Mg]kfn /fi6« a+}s Pj+ cGo lgofds lgsfox?n] ;do ;dodf hf/L ug]{ lgb]{zg jf lgodx?n] ;du| a}+lsË If]q Pj+ o; a}+snfO{ ;d]t c;/ kg{ hfg] ;Defjgf /xG5 . xfdLn] k|rlnt P]g, lgod Pj+ lgb]{zgsf] kfngfnfO{ pRr k|fyldstfdf /fVg] u/]sfn] o:tf lgofds kl/jt{gaf6 a}+ssf] sfo{ ;+rfngdf 7"nf] gsf/fTds c;/ gkg]{ ck]Iff u/]sf 5f}+ .
g]kfn /fi6« a}+såf/f xfn;fn} hf/L ul/Psf -s_ Aofhb/ ;DaGwL lgb]{zg -v_ a}+s Pj+ ljQLo ;+:yfsf] r'Qmf k"FhL a[l4 ;DjGwL lgb]{zg / -u_ pTkfbgzLn, s[lif, phf{ Pj+ ljkGg ju{df nufgL ug'{kg]{ shf{ ;Ldf ;DjGwL lgb]{zgn] a}+s tyf ljQLo ;+:yfx?nfO{ tTsfnsf nflu s]lx c;xh b]lvPklg o;n] a}+lsË If]qsf ljsf;df d2tg} k'Ug] xfdLn] ckIff u/]sf] 5f}+ . xfd|f] k|fyldstf g]kfn /fi6« a}+saf6 hf/L ePsf pk/f]Qm lgb]{zgx?nfO{ kfngf ub}{ Joj;fo lj:tf/ ug]{ /x]sf] 5 .
g]kfn /fi6« a+}sn] NFRS sf] sfof{GjognfO{ r/0fj4 ?kdf n}hfg' kg]{ lgod nfu' u/]sf] 5 / o; a}+sn] tf]lsPsf] ;do;Ldfleq g} ;f]nfO{ sfof{Gjog ug]{ ck]Iff /fv]sf 5f+} .
d'b|f lgd{nLs/0f aGb]hsf nflu ;do ;dodf hf/L Pj+ kl/jt{g x'g] gLlt lgodx? kfngf ug{ xfdL k|ltj4 /x]sf] 5f}+ . ;f]sf nflu
xfdLn] cfjZos ;+oq ljsf; ul/ sd{rf/Lx?nfO{ tflnd k|bfg ub}{ cfPsf 5f}+ .
em_ ;+rfng Oltxf;sf] cefj Mem_ ;+rfng Oltxf;sf] cefj M
nfu" gx'g] .
-`_ k|ljlwsf] kl/jt{gaf6 x'g;Sg] hf]lvd M-`_ k|ljlwsf] kl/jt{gaf6 x'g;Sg] hf]lvd M
k|ljlwsf] kl/jt{gaf6 x'g;Sg] hf]lvd / To:tf hf]lvd Go"g ug]{ ;DaGwdf ul/ cfPsf kxn tyf efjL of]hgf b]xfo adf]lhd /x]sf] 5 .
k|ljlwsf] kl/jt{gjf6k|ljlwsf] kl/jt{gjf6x'g;Sg] hf]lvdx'g;Sg] hf]lvd
hf]lvd Go"lgs/0fsf pkfohf]lvd Go"lgs/0fsf pkfohf]lvd Go"lgs/0fhf]lvd Go"lgs/0f
;DaGwdf efjL of]hgf;DaGwdf efjL of]hgf
gofF k|ljlw tyf cfljisf/nfO{ ;do ;fk]If ?kdf u|x0f ug{ g;s]sf] cj:yfdf x'g;Sg] hf]lvd .
– k|ljlwdf 5l/tf]kgf Nofpg] / k|ljlwsf] ;/nLs[t pkof]u .– s]lGb|s[t k|0ffnL tyf ;femf k|ljlwx?df ;xeflutf .– gofF k|ljlwx?sf] vf]h .
cfufdL jif{x?df k|fljlws ljsf; tyf sfo{qmdx?df yk nufgL ub}{ hfg]
;'rgf ;+hfnsf hf]lvdx?-h:t}M dfnj]o/, cgflws[t k|of]u, XoflsË, unt k|of]u, ;fdflhs ;+hfnsf] cgflws[t k|of]u_
– ;'rgf ;'/Iff tyf gfh's tYof+s Joj:yfkg /0fgLltsf] cjnDjg .– hf]lvdx?af6 k|fljlws ;+/rgfx?df kg{ hfg] k|efjsf] lgwf{/0f tyf ;'/Iffsf] k|aGw . – ;'k/Lj]If0f, lgu/fgL /lgjf/0fsf]] ;fdYo{ . – ;'rgf tyf ;+hfn ;'/Iff hf]lvd Joj:yfkg ug{ lj1 Pj+ljz]if1x?;Fu dha't ;dGjo .
;'rgf ;+hfn ;'/Iffsf gofF k|ljlwx? ckgfO{ k|fljlws dhj't agfpFb} nlug] .
a}+lsË k|ljlwdf cfpg;Sg] cl:y/tfsf] hf]lvd .
– k|ljlwsf] cfw'lglss/0f .– s]Gb|Ls[t ;]jfsf] lg/Gt/ lgu/fgL .– k|ljlw pkof]u k'j{ k/LIf0f .– ;/lns[t tyf kf/bzL{ kl/jt{g Joj:yfkg ljlwl8hf:6/ l/se/L Ifdtfsf] clej[l4
kl/jt{g Joj:yfkgsf] :jrflnt ljlwnfO{ ;anLs/0f ug]{ .
-6_ cGoM lgDg pNn]lvt hf]lvdx?sf] k|efjsf/L Joj:yfkg ug{ g;s]sf] cj:yfdf a}+ssf] hf]lvd jxg ug]{ Ifdtf Pj+ Jofj;foLs, -6_ cGoM lgDg pNn]lvt hf]lvdx?sf] k|efjsf/L Joj:yfkg ug{ g;s]sf] cj:yfdf a}+ssf] hf]lvd jxg ug]{ Ifdtf Pj+ Jofj;foLs, cfly{s Pj+ ;+rfng glthfdf c;/ kg{ hfg]5 .cfly{s Pj+ ;+rfng glthfdf c;/ kg{ hfg]5 .
» b]zsf] /fhgLlts cl:y/tfaf6 ;+rfng tyf ljQLo cj:yfdf kg]{ hf]lvd . » shf{ jf nufgL v/fa shf{ tyf nufgLdf kl/0ft x'Fbf a}+ssf] cfDbfgL ;+s'rg x'g] hf]lvd . » k"FhL ahf/df cfpg] lu/fj6sf] sf/0f a}+ssf] nufgLsf] d"Nodf x\f; cfpg] hf]lvd . » ;/sf/L ;'/If0fkqx?sf] Jofhb/df cfpg] kl/jt{gaf6 a}+ssf] cfDbfgL ;+s'rg x'g] hf]lvd . » sfo{ ;+rfng hf]lvd (Operational Risk) af6 x'g;Sg] xfgL gf]S;fgL . » ;DklQ z'4Ls/0f nufot ljQLo ck/fw ;DaGwL hf]lvdaf6 x'g;Sg] xfgL gf]S;fgL . » k|fs[lts k|sf]k -e'sDk, af9L÷klx/f] cflb_ sf] sf/0faf6 Joj;fodf cfpg] k|efjsf] hf]lvd .
a}+sn] ljutb]lv g} hf]lvd Joj:yfkgsf] If]qdf ub}{ cfO{/x]sf] pTs[i6 k|bz{g, u'0f:t/Lo shf{ kf]6{kmf]lnof], hf]lvd lgu/fgL Pj+ lgoGq0f ljlwsf] cjnDjg tyf s'zn Pj+ tTk/tfsf ;fy hf]lvd Joj:yfkg ug]{ gLlt cjnDjg ug]{ u/]sf sf/0f ;+rfng Pj+ ljQLo cj:yfdf pk/f]Qm hf]lvdx?af6 pNn]Vo c;/ kg{ hfg] b]lvFb}g . a}+sn] klxrfg u/]sf ;DefJo hf]lvdx? Joj:yfkg tyf Go'lgs/0f ug{ ljleGg hf]lvd tyf ;'zf;g ;ldltx?df cfjZostf cg';f/ 5nkmn ub}{ Go"lgs/0f ub}{ cfPsf] .
pk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf Mpk/f]Qmfg';f/sf] hf]lvdx?nfO{ Go"g jf Joj:yfkg ug]{ ;DaGwdf Joj:yfkgsf] of]hgf Ma}+sn] g]kfn /fi6« a}+ssf] lgb]{zg tyf a}+ssf] gLlt lgodsf] clwgdf /lx cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfO{ ljleGg hf]lvdx? Joj:yfkg ul/ a}+snfO{ pTs[i6 Pj+ ;jn?kdf ;+rfng ul/ nufgLstf{x?sf] lxtsf] ;+/If0fsf nflu cfjZos gLlt, sfo{ljlwx? agfO{ nfu' ul/Psf] 5 . o;sf ;fy}, a}+sdf /x]sf] hf]lvd Joj:yfkg ljefun] :jtGq ?kdf hf]lvdnfO{ k|efjsf/L ?kdf lgoGq0f tyf Joj:yfkg ug]{ sfo{ ug'{sf ;fy} ;do ;dodf hf]lvd lgoGq0fsf] If]qdf eP u/]sf sfo{x?sf] k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 . shf{;FUf ;DalGwt hf]lvdx?, s'g}klg Joj;fox? Ufbf{ ;fdgf ug'{kg]{ cGo cGtlg{lxt hf]lvdx? nufot ahf/ / t/ntf, sfo{;+rfng, Joj:yfkg /k|lti7f h:tf a+}ssf] Joj;fo;FUf ;DalGwt hf]lvdx?nfO{ a+}sn] hf]lvd Joj:yfkg ;+/rgfåf/f ;ts{tfk"j{s Joj:yfkg ug]{ u/]sf] 5 . hf]lvd Joj:yfkgsf nflu a+}sn] cjnDag u/]sf l;4fGtx? lgDg pNn]lvt 5g\ M » Hff]lvd / k|ltkmn lar ;Gt'ng . » cg'zfl;t / ;+oldt hf]lvd jxg . » clVtof/k|fKt ;ldlt tyf JolQmx?sf] l:js[tL kZrft\dfq hf]lvd u|x0f tyf ;f] sf] Joj:yfkgsf nflu plrt ;+/rgf tyf ;fwgx?sf] pknAwtf .
» efjL hf]lvdx?sf] k"jf{g'dfg tyf hf]lvdx?sf] pko'St hfgsf/L . » k|ltikwf{Tds Ifdtf clej[l4sfnflu hf]lvdx?sf] s'zn tyf k|efjsf/L Joj:yfkg Pj+ lgoGq0f .
a}+sn] hf]lvd lgoGq0fsf] If]qdf cjnDjg u/]sf dfly pNn]lvt gLlt Pj+ pkfox? kof{Kt gx'g ;Sb5g\ o;y{ pNn]lvt ljlwx?n]
a}+ssf] hf]lvdnfO{ k"0f{?kdf lgd'{n kfg{ g;s]tf klg Go'lgs/0f ug{ ;kmn x'g] ljZjf; lnPsf 5f}+ .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 32
lwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd Mlwtf]kqsf]] d"No kl/jt{g ;DaGwL hf]lvd M
?=!))÷– k|lt z]o/sf b/n] lgisfzgdf lk|ldod ?=@##÷– yk u/L k|lt z]o/ ?=###÷– sfod ul/Psf] z]o/ d"Non] ;"rLs/0f kZrft\
g]kfn :6s PS;r]Gh lnld6]8df x'g] sf/f]jf/ d"No ghgfpg] ePsf]n] z]o/ d"Nodf x'g;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .
(= ljQLo ljj/0f M(= ljQLo ljj/0f M-s_ ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f M-s_ ljQLo ljj/0f / tT;DaGwdf Joj:yfkgsf] wf/0ff / ljZn]if0f Ms_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fj, gub s_ ;+ul7t ;+:yfsf] n]vfk/LIf0f ePsf] kl5Nnf] cfly{s jif{sf] jf;nft, gfkmf gf]S;fg lx;fa, gfkmf gf]S;fg afF8kmfF8 lx;fj, gub
k|jfx ljj/0f M k|jfx ljj/0f M
a}+ssf] cf=j= @)&@÷&# sf] jf;nft, gfkmf–gf]S;fg lx;fa, gfkmf–gf]S;fg afF8kmfF8 lx;fa tyf gub k|jfxsf] ljj/0f lgDgfg';f/ 5M–
jf;nft -cfiff9 #!, @)&#_jf;nft -cfiff9 #!, @)&#_k'FhL tyf bfloTjk'FhL tyf bfloTj -?= xhf/df_ -?= xhf/df_
z]o/ k'FhL 5,518,636
hu]8f tyf sf]ifx? 1,342,524
C0fkq tyf a08 500,000
ltg{ afFsL shf{ tyf ;fk6L 1,487,995
lgIf]k lx;fa 64,781,464
e'QmfgL lbg'kg]{ lanx¿ -
k|:tfljt nfef+z 54,301
cfos/ bfloTj -
cGo bfloTj 928,410
s'n k'FhL tyf bfloTj 74,613,328
;DklQ;DklQ -?= xhf/df_ -?= xhf/df_
gub df}Hbft 1,491,152
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 6,390,585
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 2,298,802
dfu tyf cNk ;'rgfdf k|fKt x'g] /sd 557,823
nufgL 8,504,126
shf{, ;fk6 tyf lan v/Lb 53,021,384
l:y/ ;DklQ 1,345,519
u}/ a}+lsË ;DklQ -
cGo ;DklQ 1,003,937
s'n ;DklQ 74,613,328
Gffkmf gf]S;fg lx;fj ->fj0f !, @)&@ b]lv cfiff9 #!, @)&#_Gffkmf gf]S;fg lx;fj ->fj0f !, @)&@ b]lv cfiff9 #!, @)&#_ljj/0fljj/0f -?= xhf/df_-?= xhf/df_
Jofh cfDbfgL 4,053,341
Jofh vr{ 2,040,059
v'b Aofh cfDbfgL 2,013,282
sldzg tyf l8:sfp06 197,616
cGo ;~rfng cfDbfgL 218,106
;6xL 36a9 cfDbfgL 160,269
s'n ;~rfng cfDbfgL 2,589,272
sd{rf/L vr{ 471,311
cGo ;~rfng vr{ 473,549
;6xL 36a9 gf]S;fg -
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 1,644,411
;Defljt gf]S;fgL Joj:yfx? 576,323
;~rfng d'gfkmf 1,068,088
u}/ ;~rfng cfDbfgL÷vr{ 55,844
;Defljt gf]S:ffgL Joj:yfaf6 lkmtf{ 650,079
lgoldt sf/f]jf/af6 ePsf] d'gfkmf 1,774,011
c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{ (10,942)
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf 1,763,068
sd{rf/L af]g; Joj:yf 160,279
cfos/ Joj:yf 487,725
– o; jif{sf] s/ Joj:yf 313,840
– ut jif{;Ddsf] s/ Joj:yf 6,901
– o; jif{sf] :yug s/ cfDbfgL÷vr{ 166,984
v'b gfkmf÷-gf]S;fg_ 1,115,065
z]o/ ;++Vof -xhf/df_ 44,869
k|lt z]o/ cfDbfgL 24=*%
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 34
gfkmf gf]S;fg afF8kmfF8 lx;fj ->fj0f !, @)&@ b]lv cfiff9 #!, @)&#_gfkmf gf]S;fg afF8kmfF8 lx;fj ->fj0f !, @)&@ b]lv cfiff9 #!, @)&#_ljj/0fljj/0f -?=xhf/df_ -?=xhf/df_
cfDbfgLMcfDbfgLM
ut jif{;Ddsf] ;l~rt d'gfkmf 9,523
z'? df}Hbftdf ;dfof]hg -
o; jif{sf] d'gfkmf 1,115,065
;6xL 36j9 sf]if -
:yug s/ -
Actuarial gfkmf÷gf]S;fg -
g]kfn n]vfdfgsf] k|of]usf] ;dfof]hg -
:yug s/ -ut jif{sf]_ -
nufgL ;dfof]hg sf]if 19,992
dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf 651,180
hDdfhDdf 1,795,760
vr{Mvr{M
ut jif{;Ddsf] ;l~rt gf]S;fgut jif{;Ddsf] ;l~rt gf]S;fg
uflePsf ;+:yfsf ;+lrt gf]S;fg 490,983
o; jif{sf] gf]S;fg -
;fwf/0f hu]8f sf]if 223,013
e}k/L cfpg] hu]8f -
;+:yf ljsf; sf]if -
nfef+z ;dLs/0f sf]if -
sd{rf/L ;DaGwL hu]8fx? -
k|:tfljt nfef+z 54,301
k|:tfljt af]]g; z]o/ 1,031,712
ljz]if hu]8f sf]if -
;6xL 36j9 sf]if 10,417
k'FhL lkmtf{ hu]8f sf]if -
k'FhL ;dfof]hg sf]if 40,925
nufgL ;dfof]hg sf]if -
:yug s/ hu]8f -
cGo (77,786)
hDdfhDdf 1,773,565
;l~rt d'gfkmf÷-gf]S;fg_ 22,195
gub k|jfxsf] ljj/0f -cfiff9 #!, @)&#_gub k|jfxsf] ljj/0f -cfiff9 #!, @)&#_ljj/0fljj/0f ?= -xhf/df_?= -xhf/df_
-s_ sf/f]jf/ ;~rfngaf6 gub k|jfx 1,570,903
1 gub k|flKt 4,494,936
1.1 Jofh cfDbfgL 3,928,845
1.2 sldzg tyf l8:sfp06 cfDbfgL 224,109
1.3 ljb]zL ljlgod sf/f]af/af6 cfDbfgL 118,599
1.4 ckn]lvt shf{sf] c;'nL 3,578
1.5 cGo cfDbfgL 219,805
2 gub e'QmfgL 3,132,807
2.1 Jofh vr{ 1,938,888
2.2 sd{rf/L vr{ 533,185
2.3 sfof{no ;~rfng vr{ 372,775
2.4 cfos/ e'QmfgL 287,960
2.5 cGo vr{ -
sfo{ut k'FhL ultljlw cl3sf] gub k|jfxsfo{ut k'FhL ultljlw cl3sf] gub k|jfx 1,362,129
3 ;~rfng ;DaGwL rfn' ;DklQdf sdL÷-a[l4_ (10,604,247)
3.1 dfu tyf cNk ;'rgfdf k|fKt x'g] /sddf sdL÷-a[l4_ 2,712,529
3.2 cGo cNksflng nufgLdf sdL÷-a[l4_ (783,316)
3.3 shf{ tyf ljN; v/Lbdf sdL÷-a[l4_ (12,394,006)
3.4 cGo ;DklQdf sdL÷-a[l4_ (139,454)
3.5 clgjfo{ gub df}Hbftdf sdL÷a[l4 -
4 ;~rfng ;DaGwL rfn' bfloTjdf -sdL_÷a[l4 10,813,021
4.1 lgIf]k bfloTjdf -sdL_÷a[l4 10,783,394
4.2 ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷a[l4 -
4.3 cNksflng ;fk6Ldf -sdL_÷a[l4 (27,674)
4.4 cGo bfloTjdf -sdL_÷a[l4 57,301
-v_ nufgL sf/f]jf/df gub k|jfx 1,323,539
1 bL3{sflng nufgLdf sdL÷-a[l4_ (1,096,371)
2 l:y/ ;DklQdf sdL÷-a[l4_ (746,870)
3 bL3{sflng nufgLdf Jofh cfDbfgL 104,132
4 nfef+z cfDbfgL 20,561
5 cGo 3,042,087
-u_ ljQLo ;|f]t sf/f]af/af6 gub k|jfx 938,885
1 bL3{sflng C0f -a08, l8j]Gr/ cflb_ df -sdL_÷a[l4 -
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 36
2 z]o/ k'FhLdf -sdL_÷a[l4 -
3 cGo bfloTjdf -sdL_÷a[l4 (415)
4 g]kfn /fi6« a}+saf6 k|fKt ;x'lnot÷k'g/shf{df -sdL_÷a[l4 939,300
5 ;fwf/0f z]o/wgLnfO{ ePsf] nfef+zsf] e'QmfgL -
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL ÷vr{ 41,670
-ª_ o; jif{sf] ;Dk'0f{ ultljlwaf6 gub k|jfx -s±v±u±3_ 3,874,997
-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 6,305,542
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft -ª±r_ 10,180,539
gub df}Hbftsf] lj:t[t ljj/0f
gub df}Hbft 1,491,152
g]kfn /fi6« a}+sdf /x]sf] df}Hbft 6,390,585
a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 2,298,802
Go'gM g]kfn /fi6« a}+sdf /x]sf] clgjfo{ gub df}Hbft -
gub tyf a}+sdf /x]sf] clGtd df}Hbft 10,180,539
v_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] cj:yfdf ;~rfng cjlwe/sf] v_ ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] cj:yfdf ;~rfng cjlwe/sf] n]vfk/LIf0f ePsf] gfkmf–gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ Mn]vfk/LIf0f ePsf] gfkmf–gf]S;fg, jf;nft ;lxtsf] ;+lIfKt ljQLo ljj/0f -;xfos sDkgL eP ;dli6s[t ?kdf_ M
a}+ssf] cf=a=@)&)÷&!, @)&!÷&@ / @)&@÷&# ;Ddsf] n]vfk/LIf0f ePsf] tyf @)&$ cfiff9 d;fGtsf] n]vfk/LIfsaf6 -afXo tyf cfGtl/s_ kl/If0f ePsf] ckl/is[t jf;nft / gfkmf gf]S;fgsf] ljQLo ljj/0f b]xfo adf]lhd /x]sf] 5 .
jf;nft
jf;nft
k'FhL ty
f bfloTj
k'FhL ty
f bfloTj
jf:tljs -?= xh
f/df_
jf:tljs -?= xh
f/df_
2070
/71
2071
/72
2072
/73
2073
/74
*
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
z]o/
k'FhL
2,400
,000
2,400
,000
2,73
2,36
52,
732,
365
5,51
8,6
365,
518,6
366,
461
,774
6,461
,774
hu]8
f ty
f sf]ifx?
412
,950
430
,525
564,0
82
610,
788
1,34
2,52
41,
415
,183
4,2
25,4
014,4
00,0
31
lgoGq0f g
x'g] :jfy{ (No
n
Cont
rolli
ng In
tere
st)
--
--
-39
,031
107,
405
C0fkq
tyf a08
--
500,
000
500,
000
500,
000
500,
000
500,
000
500,
000
ltg{
afFsL shf{ ;fk6
--
438
,000
438
,000
1,487,
995
2,14
8,5
031,
165,
906
2,35
1,489
lgIf]k
bfloTj
27,0
87,
258
26,2
71,8
1936
,722
,918
35,3
61,4
43
64,7
81,
464
64,9
44,7
3173
,224
,063
73,0
43,
937
e'Qmfg
L lbgk
g]{ ljnx?
3,422
1,17
3,15
621
,717
5,14
5,59
1-
48,9
59-
-
k||:tfljt
nfef+z
21,0
5329
,471
17,4
9317
,493
54,3
0154
,301
-1,
483
cfos/ bfloTj
--
--
-34
,016
-38
8
cGo b
floTj
286,
980
305,
869
340,
888
371,
653
928,4
1097
8,9
901,
239,
839
1,94
3,50
1
s'n b
floTj
30,2
11,6
6330
,610
,840
41,
337,
463
45,
177,
333
74,6
13,3
2875
,682,
349
86,
816
,983
88,8
10,0
09
;DklQ
;DklQ
jf:tljs -?= xh
f/df_
jf:tljs -?= xh
f/df_
2070
/71
2071
/72
2072
/73
2073
/74
*
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
gub
df}Hb
ft497
,748
497
,749
817
,585
817
,586
1,491
,152
1,491
,275
1,70
3,496
1,70
3,50
5
g]kfn /fi6
« a}+sdf /x]s
f] df}Hb
ft3,
043,
653
3,04
3,65
33,
391,
245
3,39
1,24
56,
390,
585
6,39
5,815
9,24
2,455
9,25
2,18
5
a}}+s÷ljQ
Lo ;
+:yfdf /x]sf] df}Hb
ft1,
027,
336
1,460
,168
2,09
6,71
25,
933,
661
2,29
8,8
022,
637,
105
1,33
6,26
21,
750,
138
dfu
tyf cNk ;
'rgfdf k
|fKt x
'g /s
d61
,631
61,6
3172
2,60
772
2,60
755
7,823
557,
823
407
,885
407
,885
nufgL
4,1
91,2
694,1
29,1
915,
983,
872
5,93
0,64
68,5
04,1
268,4
24,5
1910
,597
,554
10,5
39,5
04
shf{ ;fk6
tyf lan v
l/b
20,4
67,0
41
20,4
67,0
41
27,2
88,8
9127
,288,8
9153
,021
,384
53,7
49,
133
61,1
57,3
5762
,654
,494
l:y/ ;DklQ
383,
428
388,9
9637
4,2
5337
8,6
84
1,34
5,51
91,
357,
284
1,452
,316
1,480,
299
u}/ a
}+lsË ;
DklQ
--
--
--
--
cGo ;
DklQ
539,
559
562,
412
662,
297
714,0
121,
003,
937
1,06
9,39
591
9,65
71,
021,
999
s'n ;
DklQ
30,2
11,6
6330
,610
,840
41,
337,
463
45,
177,
333
74,6
13,3
2875
,682,
349
86,
816
,983
88,8
10,0
09
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 38
gfkmf gf]S;
fg lx;
fjgfkmf gf]S;
fg lx;
fj
ljj/0f
ljj/0f
jf:tljs -?= xh
f/df_
jf:tljs -?= xh
f/df_
2070
/71
2071
/72
2072
/73
2073
/74
*
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
Aofh c
fDbfgL
2,00
5,34
62,
016,
533
2,31
5,441
2,32
9,899
4,0
53,3
41
4,1
43,
146
6,07
3,52
16,
325,
184
Aofh v
r{
1,21
6,06
41,
205,
052
1,34
8,0
741,
340,
965
2,04
0,05
92,
055,
161
3,50
5,34
73,
577,
942
v'b
Aofh c
fDbfgL
789,
283
811
,481
967,
368
988,9
332,
013,
282
2,08
7,98
52,
568,1
742,
747,
243
sldzg
tyf l8:s
fp06
83,
497
83,
497
112,
616
112,
616
197,
616
197,
616
360,
630
411
,038
cGo ;
~rfng
cfDb
fgL
95,5
2011
5,17
011
2,27
014
7,58
821
8,1
0629
0,25
828
8,0
3035
4,4
64
;6x
L 36a
9 cfDb
fgL
97,6
6097
,660
119,
514
119,
514
160,
269
160,
269
208,5
1420
8,5
14
s'n ;
~rfng
cfDb
fgL
1,06
5,96
01,
107,
809
1,31
1,76
71,
368,6
502,
589,
272
2,73
6,12
73,
425
,349
3,72
1,25
9
sd{r
f/L vr{
149,
197
154,9
7120
1,815
208,3
88
471
,311
509,
111
598,4
6068
5,70
5
cGo ;
~rfng
vr{
251,
377
257,
137
288,1
1229
4,0
51473
,549
495
,695
659,
079
705,
687
;6x
L 36a
9 gf]S;
fg-
--
--
--
-
;Defljt
gf]S;
fgL Joj:yf cl3sf] ;+rfng
d'gfkmf
665,
387
695,
702
821
,840
866
,211
1,64
4,4
111,
731,
321
2,16
7,810
2,32
9,867
;Defljt
gf]S;
fgL Joj:yfx?
113,
305
113,
305
97,0
7497
,074
576,
323
584,9
41
188,1
9920
3,57
9
;~r
fng
d'gfkmf
552,
081
582,
396
724,7
6676
9,13
81,
068,0
88
1,14
6,37
91,
979,
611
2,12
6,28
8
u}/ ;
~rfng
cfDb
fgL÷-gf]S;fg_
21,6
7119
,972
17,3
5215
,705
55,8
44
56,6
7354
,662
36,8
97
;Defljt
gf]S;
fgL Joj:yfjf6 lkmtf{
205,
155
205,
155
41,
974
41,
974
650,
079
650,
079
166,
507
166,
507
lgoldt
sf/f]jf/x?
jf6
ePsf] d'g
fkmf
778,9
08807
,524
784,0
92826
,817
1,77
4,0
111,
853
,132
2,20
0,78
02,
329,
692
c;fdfGo
sf/f]jf/jf/jf6 e
Psf] d'g
fkmf÷-v
r{_
(136
,903
)(1
30,7
20)
--
(10,
942)
(10,
942)
88,1
2413
2,71
5
;Dk'0f{ s
f/f]jf/ k
l5sf] v'b
d'gfkmf
642,
004
676,
804
784,0
92826
,817
1,76
3,06
81,
842,
190
2,28
8,9
042,
462
,407
sd{r
f/L af]g;
Joj
:yf
58,3
6461
,528
71,2
81
75,1
6516
0,27
916
7,472
208,0
82
225,
673
cfos/ Joj:yf
173,
717
181,
613
211,
822
221,
532
487,
725
507,
594
613,
474
661,
522
o; j
if{sf]
176,
628
184,7
85
207,
392
217,
430
313,
840
334,6
7458
8,7
7463
7,832
ut j
if{sf]
--
--
6,90
16,
901
530
530
:yug
s/ vr{÷-cfDb
fgL_
(2,9
11)
(3,1
71)
4,4
304,1
0216
6,98
416
6,01
824
,170
23,1
60
v'b
gfkmf÷-gf]S;fg_
409
,923
433
,663
500,
990
530,
120
1,11
5,06
51,
167,
124
1,467
,347
1,57
5,21
2
gfkmf gf]S;
fg a
fF8kmfF8 lx;
fjgfkmf gf]S;
fg a
fF8kmfF8 lx;
fj
ljj/0f
ljj/0f
jf:tljs -? =xh
f/df_
jf:tljs -? =xh
f/df_
2070
/71
2071
/72
2072
/73
2073
/74
*
a}+sa}+s
PsLs[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
a}+sa}+sPs
Ls[t
PsLs[t
cfDb
fgLM
ut j
if{;Ddsf] ;l~rt
d'gfkmf
4,9
967,
249
985
18,5
609,
523
56,2
2822
,195
87,
742
o; j
if{sf] d'g
fkmf
409
,923
433
,663
500,
990
530,
120
1,11
5,06
51,
154,7
391,
467
,347
1,55
2,96
5
;6x
L 36j
9 sf]if
--
--
--
--
Capi
tal R
eser
ve-
--
--
7,33
3-
-
nufgL ;
dfof]hg
sf]if
98,1
17-
--
19,9
9219
,992
--
dh{af6
z]o/
cg'k
ftdf e
Psf] d'g
fkmf
--
--
651,
180
651,
180
--
:yug
s/
--
--
--
24,1
7021
,673
nufgL ;
dfof]hg
sf]if
--
--
--
822
822
Shar
e Pr
emiu
m T
rans
fer
--
--
-14
,369
hDdf
513,
036
440,
912
501,
974
548,6
791,
795,
760
1,889,
472
1,51
4,5
351,
677,
572
vr{M
ut j
if{ ;Ddsf] ;+lrt
gf]S;
fg-
--
--
--
-
uflePs
f ;+:y
fsf ;+lrt
gf]S;
fg-
--
-490
,983
490
,983
--
o; j
if{sf] gf]S;
fg-
--
--
--
-
;fwf/0f h
u]8f sf]if
81,
985
81,
985
100,
198
100,
198
223,
013
228,9
86
293,
469
302,
550
e}k/L c
fpg]
hu]8
f-
--
--
--
-
;+:y
f ljsf; s
f]if-
--
--
--
-
nfef+z ;
lds/0f sf]if
--
--
--
--
sd{r
f/L ;DaGwL hu]8
fx?
--
--
--
--
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 40
k|:tfljt
nfef+z
21,0
5329
,471
17,4
9317
,493
54,3
0175
,353
-2,
088
k|:tfljt
af]]g;
z]o/
400
,000
400
,000
332,
365
332,
365
1,03
1,71
21,
031,
712
--
ljz]if
hu]8
f sf]if
--
--
--
--
;6x
L 36j
9 sf]if
6,10
46,
104
7,470
7,470
10,4
1710
,417
13,4
3113
,431
k'FhL lkmtf{ hu]8
f sf]if
--
--
--
--
k'FhL ;dfof]hgf s
f]if-
--
-40,
925
40,
925
--
cGo
2,91
1(9
5,20
6)34
,926
34,9
26(7
7,78
6)(7
6,64
7)10
9,73
411
3,837
:yug
s/ sf]if
2,91
12,
911
(4,4
30)
(4,4
30)
(166
,984)
(166
,870
)-
-
nufgL ;
dfof]]hg
sf]if
-(9
8,1
17)
2,31
02,
310
(1,5
54)
(1,5
54)
1,27
21,
272
C0fkq
e'Qmfg
L sf]if
--
37,0
46
37,0
46
90,7
5190
,751
90,7
5190
,751
u|fxs
;+/If0f sf]if
--
--
-1,
025
-2,
234
Div
iden
d D
istr
ibut
ion
(Tax
Pur
pose
)-
--
--
--
1052
cGo
--
--
--
17,7
1118
,528
hDdf
512,
052
422
,353
492
,451
492
,451
1,77
3,56
51,
801
,730
416
,634
431
,906
;l~rt
d'gfkmf÷-gf]S;fg_
985
18,5
609,
523
56,2
2822
,195
87,
742
1,09
7,90
01,
245,
666
* cf=a=@)&#÷)&$ sf] cfiff9 d
;fGt
;Ddsf] n]vfk/LIfsaf6
-afXo
tyf cfGt
l/s_ kl/If0f u/
]sf] ckl/is[t
ljQLo ljj
/0f .
u_ cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfk/LIfsaf6 u_ cfly{s jif{ ;dfKt ePsf] ^ dlxgf kZrft ljj/0fkq :jLs[ltsf] nflu k]z u/]df pQm cGtl/d cjlwsf] nflu n]vfk/LIfsaf6 k|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f Mk|dfl0ft u/]sf] ckl/is[t ljQLo ljj/0f M
k'FhL tyf bfloTjk'FhL tyf bfloTj
jf:tljs -?=xhf/df_jf:tljs -?=xhf/df_
r}q d;fGTf @)&$ -cf=j= @)&$÷&%_r}q d;fGTf @)&$ -cf=j= @)&$÷&%_
a}+sa}+s PsLs[tPsLs[t
z]o/ k'FhL 6,461,774 6,461,774hu]8f tyf sf]ifx? 5,635,417 5,762,712lgoGq0f gx'g] :jfy{ (Non Controlling Interest) - 117,067C0fkq tyf a08 500,000 500,000ltg{ afFsL shf{ ;fk6 1,243,299 2,400,977lgIf]k bfloTj 85,296,206 85,761,770e'QmfgL lbgkg]{ ljnx? - -k||:tfljt nfef+z - -cfos/ bfloTj - 87,325cGo bfloTj 3,053,605 3,556,983s'n bfloTj 102,190,303 104,648,608
;DklQ;DklQ
jf:tljs -?=xhf/df_jf:tljs -?=xhf/df_
r}q d;fGTf @)&$ -cf=j= @)&$÷&%_r}q d;fGTf @)&$ -cf=j= @)&$÷&%_
a}+sa}+s PsLs[tPsLs[t
gub df}Hbft
8,050,828 8,703,204g]kfn /fi6« a}+sdf /x]sf] df}Hbft
a}}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft
dfu tyf cNk ;'rgfdf k|fKt x'g /sd 239,772 239,772
nufgL 15,699,462 15,603,931
shf{ ;fk6 tyf lan vl/b 74,013,725 75,750,859
l:y/ ;DklQ 1,545,531 1,580,773
u}/ a}+lsË ;DklQ 36,601 36,601
cGo ;DklQ 2,604,384 2,733,469
s'n ;DklQ 102,190,303 104,648,608
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 42
ljj/0fljj/0f
jf:tljs -?=xhf/df_jf:tljs -?=xhf/df_
r}q d;fGTf @)&$ -cf=j= @)&$÷&%_r}q d;fGTf @)&$ -cf=j= @)&$÷&%_
a}+sa}+s PsLs[tPsLs[t
Aofh cfDbfgL 6,284,001 6,564,997Aofh vr{ 4,180,772 4,300,326v'b Aofh cfDbfgL 2,103,229 2,264,671sldzg tyf l8:sfp06 323,528 372,368cGo ;~rfng cfDbfgL 311,989 358,427;6xL 36a9 cfDbfgL 216,774 216,774s'n ;~rfng cfDbfgL 2,955,520 3,212,240sd{rf/L vr{ 576,812 662,142cGo ;~rfng vr{ 530,727 572,344;6xL 36a9 gf]S;fg - -;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 1,847,981 1,977,754;Defljt gf]S;fgL Joj:yfx? 157,831 183,005;~rfng d'gfkmf 1,690,150 1,794,749u}/–;~rfng cfDbfgL÷-gf]S;fg_ 110,054 106,872;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 349,632 349,632lgoldt sf/f]jf/x?af6 ePsf] d'gfkmf 2,149,836 2,251,253c;fdfGo sf/f]jf/jf/af6 ePsf] d'gfkmf÷-vr{_ 17,671 17,671;Dk"0f{ sf/f]jf/ kl5sf] v'b d'gfkmf 2,167,507 2,268,924sd{rf/L af]g; Joj:yf 197,046 206,266cfos/ Joj:yf 560,446 585,053o; jif{sf] 560,446 585,053ut jif{sf] - -:yug s/ vr{÷-cfDbfgL_ - -v'b gfkmf÷-gf]S;fg_ 1,410,016 1,477,606
3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M3_ cfDbfgL / vr{ lx;fjsf] s'g} zLif{sdf 7"nf] dfqfdf kl/jt{g ePdf To;sf] ljZn]if0ffTds sf/0f M;f] gePsf] .
ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft\ ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@ ª_ kl5Nnf] ljQLo ljj/0fsf] n]vfk/LIf0f eP kZrft\ ;+ul7t ;+:yfsf] sf/f]af/, gfkmf gf]S;fg, ;DklQsf] d"No jf cfufdL !@ dlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;~rfnsx?sf] wf/0ff Mdlxgfsf] bfloTj e'QmfgLdf c;/ kg]{ u/L s'g} cj:yf l;h{gf ePsf] 5÷5}g ;f] ;DaGwdf ;~rfnsx?sf] wf/0ff M
pNn]Vo c;/ kg]{ cj:yf gePsf] . r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf] ldlt kl5sf] r_ cfly{s jif{ ;dfKt ePkl5 ljj/0fkq k]z u/]df, ljj/0fkq k]z u/]sf] ldltaf6 :jLs[lt x'g] ldlt;Dddf jf;nftsf] ldlt kl5sf]
36gfsf] jf/]df 5'§} hfgsf/L M36gfsf] jf/]df 5'§} hfgsf/L M
;f] gePsf] .5_ ljut % jif{df ;DklQsf] k'g{d"Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf] k"g{d"Nof+sg cl3 5_ ljut % jif{df ;DklQsf] k'g{d"Nof+sg ul/Psf] 5÷5}g, olb ul/Psf] eP -c_ ;DklQsf] ljj/0f, -cf_ ;DklQsf] k"g{d"Nof+sg cl3
/ kl5sf] lstfjL d"No, -O{_ k"g{d"Nof+sgsf] cf}lrTo M/ kl5sf] lstfjL d"No, -O{_ k"g{d"Nof+sgsf] cf}lrTo M
;f] gePsf] .
h_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? Mh_ cfufdL tLg jif{sf] k|If]lkt jf;nft, gfkmf gf]S;fg lx;fasf ;fy} To;sf u0fgfsf] cfwf/x? M
a}+ssf] cfufdL # cfly{s jif{sf] nflu k|If]lkt ljQLo l:ylt b]xfo adf]lhd /x]sf] 5 M
jf;nftjf;nft
k'FhL tyf bfloTjk'FhL tyf bfloTjk|If]lkt -?= xhf/df_k|If]lkt -?= xhf/df_**
@)&$÷&%@)&$÷&% @)&%÷&^@)&%÷&^ @)&^÷&&@)&^÷&&
z]o/ k'FhL 8,000,000 8,000,000 10,000,000hu]8f tyf sf]ifx? 7,649,790 9,728,860 11,438,830lgoGq0f gx'g] :jfy{ (Non Controlling Interest) - - - C0fkq tyf a08 500,000 500,000 500,000ltg{ afFsL shf{ ;fk6 395,740 197,870 98,940lgIf]k bfloTj 87,868,870 108,078,710 136,179,170e'QmfgL lbgkg]{ ljnx? - - - k||:tfljt nfef+z - - - cfos/ bfloTj - - - cGo bfloTj 1,289,840 1,470,420 1,676,280s'n bfloTjs'n bfloTj 105,704,240 127,975,860 159,893,220
;DklQ;DklQk|If]lkt -?= xhf/df_k|If]lkt -?= xhf/df_**
@)&$÷&%@)&$÷&% @)&%÷&^@)&%÷&^ @)&^÷&&@)&^÷&&
gub df}Hbft
12,215,190 14,517,320 18,842,010 g]kfn /fi6« a}+sdf /x]sf] df}Hbft
a}}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft
dfu tyf cNk ;'rgfdf k|fKt x'g /sd 590,040 649,040 713,940nufgL 15,655,120 19,099,250 23,492,080shf{ ;fk6 tyf lan vl/b 73,534,030 89,821,220 112,649,960l:y/ ;DklQ 1,526,430 1,596,430 1,788,000u}/ a}+lsË ;DklQ - - -cGo ;DklQ 2,183,430 2,292,600 2,407,230s'n ;DklQs'n ;DklQ 105,704,240 127,975,860 159,893,220
gfkmf gf]S;fg lx;fjgfkmf gf]S;fg lx;fj
ljj/0fljj/0fk|If]lkt -?= xhf/df_k|If]lkt -?= xhf/df_**
@)&$÷&%@)&$÷&% @)&%÷&^@)&%÷&^ @)&^÷&&@)&^÷&&
Aofh cfDbfgL 9,494,500 11,528,380 14,384,840Aofh vr{ 5,370,020 6,222,550 7,489,420v'b Aofh cfDbfgL 4,124,480 5,305,830 6,895,420Sldzg tyf l8:sfp06 540,950 676,190 845,240cGo ;~rfng cfDbfgL 432,050 540,060 675,080;6xL 36a9 cfDbfgL 306,000 474,700 616,630s'n ;~rfng cfDbfgL 5,403,480 6,996,780 9,032,370sd{rf/L vr{ 837,840 1,047,300 1,309,130cGo ;~rfng vr{ 955,670 1,194,590 1,493,240;6xL 36a9 gf]S;fg - - -;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf 3,609,970 4,754,890 6,230,000
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 44
;Defljt gf]S;fgL Joj:yfx? 207,490 241,700 544,620;~rfng d'gfkmf 3,402,480 4,513,190 5,685,380u}/ ;~rfng cfDbfgL÷-gf]S;fg_ 109,320 142,120 170,540;Defljt gf]S;fgL Joj:yfjf6 lkmtf{ 106,100 125,120 151,400lgoldt sf/f]jf/x?jf6 ePsf] d'gfkmf 3,617,900 4,780,430 6,007,320c;fdfGo sf/f]jf/jf/jf6 ePsf] d'gfkmf÷-vr{_ 39,840 43,820 48,200;Dk'0f{ sf/f]jf/ kl5sf] v'b d'gfkmf 3,657,740 4,824,250 6,055,520sd{rf/L af]g; Joj:yf 332,520 438,570 550,500cfos/ Joj:yf 997,570 1,315,700 1,651,510o; jif{sf] 997,570 1,315,700 1,651,510ut jif{sf] - - -:yug s/ vr{÷-cfDbfgL_ - - -v'b gfkmf÷-gf]S;fg_ 2,327,650 3,069,980 3,853,510
gfkmf gf]S;fg afF8kmfF8 lx;fj vftfgfkmf gf]S;fg afF8kmfF8 lx;fj vftf
ljj/0fljj/0fk|If]lkt -?= xhf/df_k|If]lkt -?= xhf/df_**
@)&$÷&%@)&$÷&% @)&%÷&^@)&%÷&^ @)&^÷&&@)&^÷&&
cfDbfgLM ut jif{;Ddsf] ;l~rt d'gfkmf 1,097,910 1,613,490 3,031,040o; jif{sf] d'gfkmf 2,327,650 3,069,980 3,853,510;6xL 36j9 sf]if - - -Capital Reserve (NMB MF) Gain on Bargain Purchase - - -nufgL ;dfof]hg sf]if - - -dh{af6 z]o/ cg'kftdf ePsf] d'gfkmf - - -Dividend Distribution of Subsidiary Company - - -hDdf 3,425,560 4,683,470 6,884,550vr{M ut jif{;Ddsf] ;+lrt gf]S;fg - - -uflePsf ;+:yfsf ;+lrt gf]S;fg - - -o; jif{sf] gf]S;fg - - -;fwf/0f hu]8f sf]if 465,530 614,000 770,700e}k/L cfpg] hu]8f - - -;+:yf ljsf; sf]if - - -nfef+z ;lds/0f sf]if - - -sd{rf/L ;DaGwL hu]8fx? - - -k|:tfljt nfef+z 821,200 900,000 52,630k|:tfljt af]]g; z]o/ 397,230 0 2,000,000ljz]if hu]8f sf]if - - -;6xL 36j9 sf]if 22,200 29,520 38,380k'FhL lkmtf{ hu]8f sf]if - - -k'FhL ;dfof]hgf sf]if - - -
cGo :yug s/ sf]if 15,000 18,000 23,000nufgL ;dfof]]hg sf]if - - -C0fkq e'QmfgL sf]if 90,910 90,910 90,910u|fxs ;+/If0f sf]if - - -hDdf 1,812,070 1,652,430 2,975,620;l~rt d'gfkmf÷-gf]S;fg_ 1,613,490 3,031,040 3,908,930
**k|If]lkt ljQLo ljj/0f a}+s cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? cf/s]P; P08 P;f]l;P6;\sf rf6{8P Psfp06]06 >L /fh]z s'df/ zfxåf/f k'gfjnf]sg u/L l7s 5 egL k|dfl0ft ul/Psf] 5 .
a}+ssf] ljQLo k|If]k0fsf cfwf/ tyf tl/sfx? Ma}+ssf] ljQLo k|If]k0fsf cfwf/ tyf tl/sfx? M
ljj/0fljj/0f
k|If]lktk|If]lkt(%)
@)&$÷&%@)&$÷&% @)&%÷&^@)&%÷&^ @)&^÷&&@)&^÷&&
shf{df j[l4b/ -k|ltztdf_ 20.00% 22.00% 26.00%
s'n lgIf]kdf a[l4b/ -k|ltztdf_ 20.00% 23.00% 26.00%
g]kfn /fi6« a}+ssf] PsLs[t lgb]{zgadf]lhd shf{ ;fk6sf] lgIf]k
bfloTj;Fusf] cg'kft72.58% 72.86% 72.98%
s'n ;+rfng vr{df a[l4b/ -k|ltztdf_ 45.00% 25.00% 25.00%
cfos/ Joj:yf -k|ltztdf_ 30.00% 30.00% 30.00%
t/ntf (CRR) 6.50% 6.50% 6.50%
a}wflgs t/ntf cg'kft (SLR) 20.36% 17.57% 17.45%
k"FhLsf]if kof{Kttf (CAR) 17.39% 14.78% 14.64%ljutsf aif{x?sf] sf/f]jf/sf] a[l4, a}+sn] u/]sf] cfDbfgL, a}+ssf] efjL of]hgfx?, rfn' aif{sf] k|ultsf] cfwf/df a}+sn] k|If]lkt ljQLo ljj/0f tof/ u/]sf] xf] .
-v_ ljQLo cg'kft ;DaGwL ljj/0fM -v_ ljQLo cg'kft ;DaGwL ljj/0fM s_ ;+ul7t ;+:yfsf] ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] cj:yfdf ;~rfng s_ ;+ul7t ;+:yfsf] ;~rfng cjlw tLg jif{ JotLt e};s]sf] cj:yfdf ljut tLg jif{sf] / tLg jif{ Joltt e}g;s]sf] cj:yfdf ;~rfng
cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL cjlwsf] tyf cfufdL tLg jif{sf] k|If]lkt k|lt z]o/ cfDbfgL (EPS), k|lt z]o/ g]6jy{ tyf g]6jy{df cf};t k|ltkmn lgDgfg';f/ 5 ., k|lt z]o/ g]6jy{ tyf g]6jy{df cf};t k|ltkmn lgDgfg';f/ 5 .a}+ssf] g]6jy{df ePsf] jf:tljs tyf k|If]lkt cf};t k|ltkmn b]xfo adf]lhd 5 M
ljj/0fljj/0fjf:tljs -? =xhf/df_jf:tljs -? =xhf/df_ k|If]lkt -?= xhf/df_k|If]lkt -?= xhf/df_**
@)&!÷&@@)&!÷&@ @)&@÷&#@)&@÷&# @)&#÷&$@)&#÷&$ @)&$÷&%@)&$÷&% @)&%÷&^@)&%÷&^ @)&^÷&&@)&^÷&&
Rf'Qmf k'FhL 2,400,000 4,486,924 6,461,774 8,000,000 8,000,000 10,000,000
k|:tfljt af]gz z]o/ 332,365 1,031,712 - 397,230 0 2,000,000
hu]8f tyf sf]ifx? 564,082 1,342,524 4,225,401 7,252,560 9,728,860 9,438,830
hDdf 3,296,447 6,861,160 10,687,175 15,649,790 17,728,860 21,438,830
36fpg] M ckn]vg x'g aFfsL vr{ - - - - - - s'n g]6jf]y{ 3,296,447 6,861,160 10,687,175 15,649,790 17,728,860 21,438,830
Zf]o/ ;+Vof -xhf/df_ 24,000 44,869 64,618 80,000 80,000 100,000
k|lt z]o/ g]6jy{ -?=_ 137 153 165 196 222 214
k|lt z]o/ cfDbfgL -?=_ 20.87 24.85 22.71 29.10 38.37 38.54
k|lt z]o/ r'Qmf k'FhL -?=_ 100 100 100 100 100 100
g]6jy{df k|ltkmn -∞_ 15.2 16.25 13.73 14.85 17.28 18.01
** k|If]lkt ljQLo ljj/0f a}+s cfkm}n] tof/ kf/]sf] xf] / ;f] ljQLo ljj/0fx? cf/s]P; P08 P;f]l;P6;\sf rf6{8 Psfp06]06 >L /fh]z s'df/ zfxåf/f k'g/fjnf]sg u/L l7s 5 egL k|dfl0ft ul/Psf] 5 .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 46
lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg a[l4 x'g] g]6jy{df cfjZos Go"gtd k|ltkmn M !(=)%%-v_ ljut # aif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M -v_ ljut # aif{sf] g]6jy{df ePsf] cf}ift k|ltkmn M 15.06%
!)= lwtf]kq lgisfzg ;DaGwL ljj/0f M!)= lwtf]kq lgisfzg ;DaGwL ljj/0f Ms_ lwtf]kq hf/L ug'{sf] p2]Zo Ms_ lwtf]kq hf/L ug'{sf] p2]Zo M
c_ g]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhd a}+ssf] r'Qmf k"FhL ?=* ca{ k'¥ofpg tyf ;fljssf] ;+:yfks ;d"xsf] ^)=)! k|ltzt
tyf ;j{;fwf/0f ;d"xsf] #(=(( k|ltzt /x]sf] z]o/ ;+/rgfnfO{ kl/jt{g u/L %! k|ltzt tyf $( k|ltzt sfod /fVg .
cf_ a}+ssf] k|aGwkq tyf lgodfjnLdf pNn]v ePsf p2]Zox? cg'?k ug'{kg]{ sfo{x?sf] nflu cfjZos k"FhL ;+sng ug{ .v_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u Mv_ lwtf]kq lgisfzgaf6 k|fKt k"FhLsf] pkof]u M
s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tt\;DaGwL ljj/0f M s_ lgisfzgaf6 k|fKt x'g] s"n /sdnfO{ s;/L / s'g If]qdf k|of]u ul/g] 5 tt\;DaGwL ljj/0f M
z]o/sf] yk ;fj{hlgs lgisfzg (Further Public Issue) af6 k|fKt x'g] k"FhLsf] pkof]u a}+ssf] lglb{i6 sfo{of]hgf cg'?k ul/g]5 . a}+sn] to u/]sf] cfkm\gf] nIonfO{ xfl;n ug{sf] lglDt g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd / cGo lgod sfg'g cg';f/ g} ljleGg
If]qdf shf{ k|jfx Pj+ cGo nufgLsf nflu k"FhLsf] pkof]u ul/g]5 . cg'dflgt ?kdf k"FhLsf] pkof]u o; k|sf/ x'g]5 M
qm= ;+= qm= ;+= ljj/0f ljj/0f /sd -?=_/sd -?=_
!= shf{ nufgL* s/La ?= @,*%),(#^,(%(÷—
@= ;/sf/L C0fkq tyf j08df nufgL s/La ?= *#^,@&$,*$!÷—
#= cGo nufgL s/La ?= !!$,)#&,$&(÷—
hDDff s/La ?=#,*)!,@$(,@&(÷—
* shf{ nufgL qmlds ?kdf x'g] x'Fbf pknAw /sd ;/sf/L ;'/If0fkqdf nufgL ul/g]5 .
z]o/sf] yk ;fj{hlgs lgisfzg (Further Public Issue) af6 k|fKt x'g] lk|ldodsf]] /sdnfO{ z]o/ lk|ldod vftfdf /flvg]5 . a}+ssf] k'FhL j[l4 of]hgf (Capital Plan) cg';f/ ;f] /sdaf6 sDkgL P]g / cGo lgod sfg'g cg';f/ af]g; z]o/ hf/L ug{ ;lsg]5 .
v_ yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o'_ ul/g] lwtf]kq k'0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo k|flKt v_ yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o'_ ul/g] lwtf]kq k'0f{ ?kdf laqmL gePdf ;fj{hlgs lgisfzgsf] nflu p2]Zo k|flKt ug{sf] nflu ckgfOg] j}slNks Joj:yf M ug{sf] nflu ckgfOg] j}slNks Joj:yf M
ljutdf a}+s tyf ljQLo ;+:yfx?n] ;j{;fwf/0fx?df lgisfzg -kmb{/ klJns O:o'_ k|s[of dfkm{t\ z]o/ lgisfzg ubf{ lgisflzt z]o/x?sf nflu dfu eGbf a9L cfj]bg k|fKt ePsfn] o; a}+sn] lgisfzg ug]{ z]o/x? klg k'0f{?kdf laqmL x'g] a}+ssf] wf/0ff /x]sf] 5 . yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o'_ dfkm{t\ lgisfzg ul/g] z]o/x? k'0f{ ?kdf laqmL gePdf k|Tofe'tstf{x?n] k|Tofe't u/]sf] z]o/sf] cg'kftdf vl/b ug]{5g\ . olb s'g} sf/0fj; k|Tofe"ltstf{x?af6 vl/b x'g g;s]df g]kfn lwtf]kq af]8{sf] k|rlnt Joj:yf tyf lgb]{zg adf]lhd ;~rfns ;ldltn] lg0f{o u/L laqmL ljt/0f tyf afF8kmfF8 ul/g]5 .
u_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f ;dfKt u_ cfof]hgfsf] ;+rfng :yfg, cfof]hgf r/0fa4 ?kdf sfof{Gjog ul/g] eP k|To]s r/0fdf nfUg] vr{, s'g} r/0f ;dfKt
e};s]sf] eP ;f] ;DaGwL ljj/0f e};s]sf] eP ;f] ;DaGwL ljj/0f M nfu' gx'g] .
3_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'?x'g] / k'0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldltM 3_ cfof]hgf ;DkGg x'g], kl/If0f pTkfbg z'?x'g] / k'0f{ Jofj;flos pTkfbg z'? x'g] cg'dflgt ldltM nfu' gx'g] .ª_ ;+ul7t ;+:yfn] s'g} pks/0f v/Lb u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d'No jf k|:tfljt d'No, ;Knfo;{sf] gfd / ª_ ;+ul7t ;+:yfn] s'g} pks/0f v/Lb u/]sf] jf ug{ nfu]sf] eP pQm pks/0fsf] d'No jf k|:tfljt d'No, ;Knfo;{sf] gfd /
;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d'Vo d'Vo a'Fbfx? ;Knfo;{;Fu ;Demf}tf ePsf] eP ;f] sf] d'Vo d'Vo a'Fbfx? M nfu' gx'g] .
r_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf ul/Psf] eP r_ s'g} kf6L{;Fu k|ltlnkL clwsf/, 6«]8dfs{, Ohfhtkq, /f]oN6L, ;xsfo{ ;DaGwdf jf ljQLo jf k|fljlws ;Demf}tf ul/Psf] eP ;f]sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;f]sf] k|d'v zt{x? / kf6L{sf] gfd, 7]ufgf ;DaGwL lj:t[t ljj/0f M ;f] gePsf] .
5_ pTkfbg ;DaGwL cfof]hgf eP, ;f]sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d'x, pTkfbg Ifdtf, ljut jif{x?sf] Ifdtf pkef]u 5_ pTkfbg ;DaGwL cfof]hgf eP, ;f]sf] k|s[lt, k|of]ustf{, k|lt:kwf{, nlIft ;d'x, pTkfbg Ifdtf, ljut jif{x?sf] Ifdtf pkef]u jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M jf eljiodf ul/g] Ifdtf pkef]u ;DaGwL ljj/0f M nfu' gx'g] .
h_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]th_ cfof]hgfsf] nflu cfjZos sRrf kbfy{sf] pknAwtf / To;sf] >f]tMnfu' gx'g] .
em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M em_ cfof]hgfsf] nflu cfjZos x'g] ljB't, kfgL, Uof;sf] dfqf / To;sf] >f]t M nfu' gx'g] . `_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? 5'§f5'§} ?kdf k|:t't ug'{ kg]{ .`_ ;fj{hlgs lgisfzgsf] nflu ul/g] vr{ k|d'v ?kdf b]xfodf pNn]lvt kIfx?nfO{ lbg] z'Nsx? 5'§f5'§} ?kdf k|:t't ug'{ kg]{ .
c_ lgisfzg tyf laqmL k|aGws — ?=!%,)),)))÷— cf_ 6«i6L -l8j]Gr/ lgisfzgsf] xsdf_ — lgisfzg ul/g] l8j]Gr/ geO{ ;fwf/0f z]o/ ePsf] .
O{_ k|Tofe'ltstf{x? — ?=!,(),)^,@$^.$) O_ lj1x?—ljQLo k|If]k0f k'g/fjnf]sg u/L k|dfl0ft ug]{ lj1nfO{ ?=!,%),)))÷– -s/ afx]s_
p_ n]vfk/LIfs— o; yk ;fj{hlgs lgisfzgsf] nflu n]vfk/LIfsnfO{ e'QmfgL gul/Psf] .
pm_ cGo -h:t} ;+sng s]Gb|, lgisfzg a}+s cflb_— cf:jf ;b:o a}+s tyf ljQLo ;+:yfx?n] lgj]bsaf6 k|rlnt sfg'g adf]lhd z'Ns lng ;Sg]5g\ . o;df lgisfzg a}+ssf] s'g} nfut gkg]{ .
-u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ k'j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tt\;DaGwL ljj/0f M-u_ ;fj{hlgs lgisfzgaf6 k|fKt /sdnfO{ kl/of]hgfdf k|of]u ug{ k'j{ cGo s'g} Joj:yf ug{ nfluPsf] 5 eg] tt\;DaGwL ljj/0f M
xfn;Dd To:tf] s'g} Joj:yf ul/Psf] 5}g .
-3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf lk|ldod d'No lgwf{/0f ubf{ ckgfO{Psf] ljlw / cf}lrTo M -3_ lk|ldoddf lwtf]kq hf/L ug]{ ePdf lk|ldod d'No lgwf{/0f ubf{ ckgfO{Psf] ljlw / cf}lrTo M
z]o/sf] c+lst d'No ?=!))÷– df ?=@##÷– lk|ldod yk ul/ k|lt z]o/ ?=###÷–df lgisfzg ul/Psf]5 . o;sf sf/0f / cf}lrTo
lgDgfg';f/ 5g\ .
!_ sDkgL P]g,@)^# sf] bkmf @( adf]lhd lk|ldod d'Nosf] z]o/ hf/L ug{;Sg] u/L b]xfo adf]lhdsf] cj:yf k'/f ePsf] .!_ sDkgL P]g,@)^# sf] bkmf @( adf]lhd lk|ldod d'Nosf] z]o/ hf/L ug{;Sg] u/L b]xfo adf]lhdsf] cj:yf k'/f ePsf] .
s_ a}+s ljut tLg jif{b]lv nuftf/ d'gfkmfdf ;+rfng eO{ nfef+z ljt/0f ul//x]sf] .
ljj/0fljj/0fjf:tljs -?= xhf/df_jf:tljs -?= xhf/df_
@)&)÷&!@)&)÷&! @)&!÷&@@)&!÷&@ @)&@÷&#@)&@÷&#
v'b gfkmf÷-gf]S;fg_ 409,923 500,990 1,115,065k|lt z]o/ g]6jy{sf] /sd 140.65 137.35 152.91
v_ a}+ssf] ;Dk"0f{ bfloTjeGbf v'b ;DklQ (Net Worth) a9L /x]sf] . kl5Nnf] cf=j= @)&#÷&$ sf] n]vfk/LIfsaf6 -afXo tyf
cfGtl/s_ kl/If0f u/]sf] ckl/is[t ljQLo ljj/0f cg';f/ k|lt z]o/ g]6jy{ (Net Worth per share) ?=!^%.#( /x]sf] .u_ a}+ssf] ;fwf/0f ;efn] lk|ldod d"Nodf z]o/ hf/L ug]{ lg0f{{o u/]sf] .
@_ o; ljj/0fkq dfkm{t\ yk ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] d"Nof°g ;DaGwL sfo{ ug{sf @_ o; ljj/0fkq dfkm{t\ yk ;fj{hlgs lgisfzg dfkm{t ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] d"Nof°g ;DaGwL sfo{ ug{sf
nflu a}+saf6 lgo'Qm rf6{8 PsfpG6]G6 cf/s]P; P08 P;f]l;P6;\åf/f lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df tf]nflu a}+saf6 lgo'Qm rf6{8 PsfpG6]G6 cf/s]P; P08 P;f]l;P6;\åf/f lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df tf]lsPsf] ljlwåf/f d"Nof°g u/L d"No lgwf{/0f ul/Psf] xf] . o:tf] d"No lgwf{/0fdf k|of]u ePsf] k|If]lkt ljQLo ljj/0fnfO{ a}+ssf] n]vf lsPsf] ljlwåf/f d"Nof°g u/L d"No lgwf{/0f ul/Psf] xf] . o:tf] d"No lgwf{/0fdf k|of]u ePsf] k|If]lkt ljQLo ljj/0fnfO{ a}+ssf] n]vf kl/Ifs >L l6= cf/= pkfWof P08 sDkgLaf6 k|dfl0ft ul/Psf] 5 . d"No lgwf{/0fsf] cf}lrTosf ;DaGwdf pQm lj1af6 d"No kl/Ifs >L l6= cf/= pkfWof P08 sDkgLaf6 k|dfl0ft ul/Psf] 5 . d"No lgwf{/0fsf] cf}lrTosf ;DaGwdf pQm lj1af6 d"No lgwf{/0f ubf{ lgDg k|lqmofx? ckgfO{Psf] . lgwf{/0f ubf{ lgDg k|lqmofx? ckgfO{Psf] .
s_ k"FhLs[t ePsf] cfDbfgL Capitalized Earning Method åf/f d"Nof°g ubf{ z]o/sf] d"No ?=!$@=^@ x'g cfPsf] .v_ Discounted Cash Flow Method åf/f d"Nof°g ubf{ z]o/sf] d"No ?=!))%=@# x'g cfPsf] .u_ ldlt @)!*÷)%÷@$ sf lbgdf Ps ;o c;L lbgsf] cf};t ahf/ d"Noåf/f d"Nof°g ubf{ z]o/sf] d"No ?=$%*÷^* x'g cfPsf] .pk/f]Qm adf]lhd u0fgf ubf{ s'n d"Nosf] cf}ift d"No ?=%#%=%! x'g cfPsf] . To;}u/L lgisfzg sDkgLsf] kl5Nnf] n]vf k/LIf0f ePsf] ljQLo ljj/0f cg';f/sf] k|lt z]o/ g]6jy{sf] rf/ u'0ffn]] d"No ?= ^^!÷%^ x'g cfPsf] .
#_ o; ;fj{hlgs lgisfzgsf] d"No lgwf{/0f ljlwaf6 d"No u0fgf ubf{ ckgfO{Psf k|d'v ;'rsx¿ / ltgsf cfwf/ lgDg adf]lhd 5g\ M #_ o; ;fj{hlgs lgisfzgsf] d"No lgwf{/0f ljlwaf6 d"No u0fgf ubf{ ckgfO{Psf k|d'v ;'rsx¿ / ltgsf cfwf/ lgDg adf]lhd 5g\ M s_ Perpetual Growth Rate: ut cfly{s jif{df cfwf/e"t d"Nodf s'n ufx{:y pTkfbgdf ePsf] j[l4sf] cfwf/df % k|ltzt -sensitized_ sfod x'g cfPsf] .v_ Discount Rate: Capital Asset Pricing Model (CAPM) sf] ljlwaf6 u0fgf ubf{ !# k|ltzt -sensitized_ sfod ePsf] h; cGt{ut (Rf) Risk free rate of return -%=))∞_, b (beta) -!=!@*)_ / Rm (Market Rate of Return) -!!=$%∞_ qmdz g]kfn
;/sf/sf] ljsf; C0fkqsf] cf}ift k|ltkmn, ;du| afhf/ ;'rsf] co-variance / ;du| ahf/sf] compounded annual growth sf] cfwf/df sfod x'g cfPsf] .
lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ sf] lgod #& adf]lhd kl5Nnf] tLg aif{sf] k"FhLs[t ePsf] cfDbfgL (Capitalized Earnings), eljiodf k|fKt x'g] gub k|jfxsf] jt{dfg d"No (Discounted Cash Flow) / ldlt @)!*÷)%÷@$ sf lbgdf Ps ;o c;L lbgsf] cf};t ahf/ d"No u0fgf u/L k||fKt x'g] s"n d"Nosf] cf};t d"No u0fgf ubf{ z]o/sf] d"No ?= %#%=%! x'g cfPsf] /
sDkgLsf] kl5Nnf] n]vfk/LIf0f ePsf] ljQLo ljj/0f cg';f/sf] k|lt z]o/ g]6jy{sf] rf/ u'0ffn] x'g cfpg] d"No ?= ^^!÷%^ ePsf] x'Fbf
pk/f]Qm u0fgfsf cfwf/ dWo] klxnf] cf}ift tl/sfaf6 k|fKt cf}ift lk|ldod d"No sd x'g cfPsf]n] k|lt z]o/ ?= %#%=%! df yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ug{ ;lsg] l;kmfl/z e} cfPsf]df o; sDkgLsf] ;+rfns ;ldltsf] ldlt @)&%÷)@÷)( df a;]sf] a}7saf6 c+lst d"No ?=!))÷– df lk|ldod d"No ?=@##÷– yk u/L k|lt z]o/ ?= ###÷– df yk ;fj{hlgs lgisfzg -kmb{/
klJns O:o"_ ug]{ u/L g]kfn lwtf]kq af]8{df :jLs[ltsf] nflu k]z ug{ a}+ssf k|d'v sfo{sf/L clws[tnfO{ clVtof/L lbg] lg0f{o ePsf] .
o; cl3 Nederlandse Financierings Maatschappij Voor ontwikkelingslanden N.V. – (FMO) sf] z]o/ :jfldTj g]kfn
/fi6« a}+ssf] lgb]{zg adf]lhd a[l4 ul/ Go"gtd @) k|ltzt k'¥ofpgsf nflu a}+s / PkmPdcf]sf] aLrdf ldlt !$ ;]K6]Da/ @)!^ df
ePsf] ;Demf}tf ePsf] . ;f] ;Demf}tf adf]lhd k|lt lsQf c+lst d'No ?=!)) df lk|ldod ?=!%) yk ul/ hDdf d'No ?=@%) sf] b/n] ($,#!,#*$ lsQf yk gofF ;+:yfks z]o/ hf/L ug{sf nflu lwtf]kq af]8{sf] ldlt @)&#.)^.!! / g]kfn /fi6« a}+s ljb]zL ljlgd]o
ljefusf] ldlt @)&#.)^.!* sf] l:js[tL adf]lhd PkmPdcf]sf] xsdf yk gofF z]o/ hf/L ePsf] .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 48
ª_ lwtf]kq afF8kmfF8, lkmtf{ e'QmfgL tyf ;"lrs/0f ;DaGwL Joj:yf Mª_ lwtf]kq afF8kmfF8, lkmtf{ e'QmfgL tyf ;"lrs/0f ;DaGwL Joj:yf Ms_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|s[of Ms_ cTolws dfu jf Go"g dfu ePsf] cj:yfdf afF8kmfF8sf] k|s[of M o; ljj/0fkq dfkm{t\ hf/L ul/Psf] ;fwf/0f z]o/ ;+Vof
eGbf a9L ;+Vofdf ;fwf/0f z]o/ v/Lbsf] nflu b/vf:t k|fKt x'g cfPdf g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq aFf8kmFf8 ;DaGwL
lgb]{lzsfdf ePsf] Joj:yf cg';f/ ;fwf/0f z]o/x? afF8kmFf8 ul/g]5 / z]o/ afF8kmfF8 ;DaGwL ;"rgf /fli6«o :t/sf] b}lgs klqsfdf
k|sflzt ul/g]5 . olb lgisfzg ul/Psf] z]o/sf] ;+Vof eGbf sd z]o/ v/Lbsf] nflu b/vf:t k|fKt x'g cfPdf k|Tofe'tLstf{x?n]
cfkm'n] k|Tofe't u/]sf] cg'kftdf vl/b ul/ lng] ul/ a}+s / k|Tofe'tstf{x?sf aLrdf ;Demf}tf ePsf] 5 .
v_ cTolws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joa:yfMv_ cTolws dfu ePsf] jf afF8kmfF8 gePsf] cj:yfdf lkmtf{ e'QmfgL ;DaGwL Joa:yfM z]o/ ljqmL aGb ePsf] ldltn] g]kfn lwtf]kq jf]8{n]
lgwf{l/t u/]sf] ;doleq z]o/ afF8kmfF8 u/L k"0f{ jf cf+lzs ?kdf :jLs[t÷c:jLs[t ePsf] Joxf]/f hgfOPsf] z]o/sf] afF8kmfF8kq (Allotment Letter) / /sd lkmtf{ e'QmfgL lbOg]5 jf cfj]bsn] cfj]bg kmf/ddf pNn]v u/]sf] a}+s vftfdf ;f]em} lkmtf{ e'QmfgL lbg] Joj:yf ldnfO{g]
5 . ;fy} ælwtf]kq v/Lb -;fj{hlgs lgisfzg_ ;DaGwL lgb]{lzsf, @)&#Æ cg'?k cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf ;DalGwt a}+s tyf ljQLo ;+:yfn] g} afF8kmfF8df gkg]{ nufgLstf{sf] lwtf]kq v/Lbsf] cfj]bg
adf]lhd /f]Ssf /fv]sf] vftfsf] /sd dfq /f]Ssf km's'jf ul/lbg]5 .
u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Aofhb/u_ lgj]bg ;fy k|fKt /sdsf] lkmtf{ e'QmfgLdf l9nfO{ ePdf lbOg] Aofhb/ M cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yfaf6 cfj]bg lbg] cfj]bsx?sf] xsdf lghsf] vftfdf /x]sf] /sd /f]Ssf dfq x'g] / afF8kmfF8 kZrft lghn] k|fKt ug]{ z]o/sf] /sd
a/fa/sf] /sd afx]s cGo /sd km's'jf x'g] ePsfn] Aofh lbg' gkg]{ .
3_ lwtf]kqsf] afF8kmfF8 tyf k|df0fkq hf/L ;DaGwL k|s[of / ;dofjlw M3_ lwtf]kqsf] afF8kmfF8 tyf k|df0fkq hf/L ;DaGwL k|s[of / ;dofjlw M lgisfzg ul/g] ;fwf/0f z]o/ k|rlnt lwtf]kq lgisfzg
tyf afF8kmfF6 lgb]{lzsf, @)&$ ;DaGwL Joj:yf cg';f/ ;fwf/0f z]o/sf] afF8kmfF6 u/L ;DalGwt lgsfodf ;"lrs/0f kZrft ;DalGwt cfj]bsn] cfj]bg kmf/ddf pknAw u/fPsf] lxtu|fxL vftfdf afF8kmfF6df k/]sf] z]o/ ljt/0f ug]{ Joj:yf ldnfOg]5 .
ª_ lwtf]kq ;"lrs/0f e};s]sf] eP, To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kq sf/f]jf/ z'? x'gsf] nflu ª_ lwtf]kq ;"lrs/0f e};s]sf] eP, To:tf] lwtf]kq ;"rLs/0f ul/Psf] lwtf]kq ahf/sf] gfd / lwtf]kq sf/f]jf/ z'? x'gsf] nflu
;+ul7t ;+:yfn] k"/f ug'{ kg]{ zt{x? ;DaGwL ljj/0f M;+ul7t ;+:yfn] k"/f ug'{ kg]{ zt{x? ;DaGwL ljj/0f M a}+ssf] xfn sfod /x]sf] z]o/ g]kfn :6s PS;r]Ghdf ;"lrs/0f /x]sf] . yk ;fj{hlgs lgisfzg ul/g] z]o/ afF8kmfF8 kZrft\ ;"lrs/0f ul/g]5 .
r_ lwtf]kq ;"lrs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g, lgod cg';f/ ;xh r_ lwtf]kq ;"lrs/0f e}g;s]sf] eP, ;+ul7t ;+:yfn] lgisfzg tyf laqmL ul/g] lwtf]kqx? k|rlnt P]g, lgod cg';f/ ;xh v/Lb laqmL jf ljlgdo x'g ;Sg] u/fpgsf] nflu ul/g] Joj:yf ;DaGwL ljj/0f Mv/Lb laqmL jf ljlgdo x'g ;Sg] u/fpgsf] nflu ul/g] Joj:yf ;DaGwL ljj/0f M yk ;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/ k|rlnt z]o/ lgisfzg tyf afF8kmfF8 ;DaGwL Joj:yf cg';f/ ;fwf/0f z]o/sf] afF8kmfF8 u/] kZrft\ g]kfn :6s PS;r]Gh lnld6]8 tyf l;l8P; P08 lSnol/Ë lnld6]8df k|rlnt Joj:yf cg';f/ ;"lrs/0f tyf btf{ u/fO{ z]o/ v/Lb laqmL tyf /fkm;fkmsf] nflu cfjZos Joj:yf ldnfOg]5 .
-r_ k|Tofe"lt ;DaGwL ljj/0f M-r_ k|Tofe"lt ;DaGwL ljj/0f M
s_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd Ms_ lwtf]kq k|Tofe"lt ug]{ ;+ul7t ;+:yfsf] gfd, 7]ufgf / k|Tofe"lt ug]{ lwtf]kqsf] ;+Vof / /sd M
qm=;qm=; lwtf]kq k|Tofe'ltstf{sf] gfdlwtf]kq k|Tofe'ltstf{sf] gfd vl/b k|Tofe'lt ul/Psf] lsQfvl/b k|Tofe'lt ul/Psf] lsQf /sd/sd
! gful/s nufgL sf]if gofafg]Zj/, sf7df8f}+ . #),@%,))) !,@*,%^,@%,)))÷–
@ Unf]an cfOPdO{ Soflk6n lnld6]8, hdn, sf7df8f}+ . !,$)),))) %(,%),)),)))÷–
# PgcfO{laPn Soflk6n dfs]{6\; lnld6]8, nflhDkf6, sf7df8f}+ . @,&)),))) !,!$,&%,)),)))÷–
$ g]kfn P;lacfO{ dr]{G6 a}+lsË lnld6]8, xflQ;f/, sf7df8f} . @#,!%,!^# (*,#(,$$,@&%÷–
% k|e' Soflk6n lnld6]8 sdnfbL, sf7df8f}+ . !%,)),))) ^#,&%,)),)))÷–
^= cf/ljlj dr]{G6 a}lsË lnld6]8 6]s', sf7df8f}+ . $,&%,))) @)!,*&%,)))÷–
hDdf !,!$,!%,!^# $,*%,!$,$$,@&%÷–
v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d"Vo d"Vo aF"bfx? M v_ lwtf]kq k|Tofe"ltstf{;Fu ul/Psf] ;Demf}tfsf] d"Vo d"Vo aF"bfx? M
!_ k|Tofe"t ul/Psf] /sd lwtf]kq jf]8{jf6 :jLs[t x'g] k|lt z]o/ d"Nosf cfwf/df x]/km]/ x'g ;Sg]5 .
@_ k|Tofe"ltstf{n] k|Tofe"t ul/Psf] z]o/ k"0f{ jf cf+lzs ?kdf v/Lb ug'{kg]{] cj:yf cfPdf ;f] jfktsf] z]o/sf] /sd lgisflzt
z]o/ afF8kmfF8 eP kZrft\ lgisfzg sDkgLn] dfu u/]sf] & lbg leq lgisfzg sDkgLnfO{ r'Qmf ug'{kg]{5 .
# _ k|Tofe"ltstf{n] lgisfzg sDkgLnfO{ /sd e'Qmfg u/]kl5 lgisfzg sDkgLn] lgisfzg tyf laqmL k|jGws dfkm{t ;f]xL cg';f/
z]o/ afF8kmfF8 u/L ;f] z]o/x? k|Tofe"ltstf{n] pknAw u/fPsf] k|Tofe"ltstf{sf]] lxtu|fxL vftfdf pknAw u/fpg' kg]{5 .
$_ laqmL geO{ afFsL /x]sf] z]o/df ;a} k|Tofe"lt{stf{x?n] k|Tofe"tL ;]jfsf] nflu d~h'/ u/]sf] /sdsf] xb;Dd bfdf;fxL÷;dfg'kflts
?kn] v/Lb ug'{ kg]{ bfloTj x'g]5 .
%_ z]o/sf] lgisfzg tyf laqmL v'nf x'g' cufj} s'g} k|sf/sf] lgisfzgnfO{ k|efljt x'g] k|s[ltsf] s'/fsf] hfgsf/L ;fj{hlgs ?kdf
cfpg' cufj} lnlvt ?kdf k|Tofe'ltstf{nfO{ u/fpg' kg]{5 .
-5_ cfj]bg lbFbf Wofg lbg' kg]{ s'/fx? M-5_ cfj]bg lbFbf Wofg lbg' kg]{ s'/fx? M
s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g s_ lwtf]kqjfnfsf] clwsf/ tyf k|ltaGwfTds Joj:yfx? h:t} dtflwsf/, nfef+z, xsk|b z]o/, lwtf]kqjfnfsf] clwsf/df kl/jt{g
ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M ug]{ k|s[of tyf lwtf]kqsf] vf/]hL cflb ;DaGwL ljj/0f M
!= o; ljj/0fkq dfkm{t\ yk ;fj{hlgs lgisfzg ul/g] ;fwf/0f z]o/x? afF8kmfF8 u/] kZrft\ sfod x'g] z]o/wgLx?n] k|rlnt sfg'g
adf]lhd pknAw x'g] xs clwsf/sf] k|of]u ug{ kfpg] .
@= k|rlnt sDkgL sfg'g tyf g]kfn lwtf]kq af]8{sf] af]g; z]o/ ;DaGwL lgb]{lzsfsf] clwgdf /xL a}+sn] cfh{g u/]sf] d'gfkmfaf6
af]g; z]o/ jf nfef+z ljt/0f ug{ ;Sg]5 / cfjZostf cg';f/ g]kfn lwtf]kq af]8{ tyf cGo ;DalGwt lgodg lgsfox?sf] :jLs[lt lnO{ xsk|b z]o/ ;d]t hf/L ug{ ;Sg]5 .
v_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly lng] ePdf v_ lgodfjnL, k|aGwkq k|fKt ug]{ jf x]g{ ;Sg] 7fpF, e'QmfgL ug]{ tl/sf, lng'kg]{ Go"gtd lwtf]kq ;+Vof / ;f] eGbf dfly lng] ePdf
s'g u'0ff°df lng ;Sg] xf] ;f] ;DaGwL ljj/0f Ms'g u'0ff°df lng ;Sg] xf] ;f] ;DaGwL ljj/0f M!= o; a}+ssf] k|aGwkq tyf lgodfjnL sfof{no ;doleq a}+ssf] /lhi6{8{ sfof{no, aa/dxn, sf7df8f}+, lwtf]kq lgisfzg tyf laqmL k|aGws gful/s nufgL sf]if, gofF jfg]Zj/, sf7df8f}+df ;Dks{ /flv x]g{ jf k|fKt ug{ ;lsg]5 . @= o; ljj/0fkq dfkm{t\ lgisfzg ul/g] z]o/ v/Lbsf nflu b/vf:t lbFbf b/vf:tjfnfn] b/vf:t ;fy cfkm"n] v/Lb ug{ rfx]sf] ;fwf/0f z]o/ ;+Vofsf] k|lt z]o/ ?=###÷–sf b/n] x'g cfpg] Psd'i6 /sd o; lgisfzgsf] nflu tf]lsPsf] a}+s tyf ljQLo ;+:yfx?df hDdf u/L lgodfg';f/ b/vf:t lbg'kg]{5 .#= o; ljj/0fkq dfkm{t\ lgisfzg ul/g] z]o/sf] nflu b/vf:t lbFbf b/vf:tjfnfn] Go'gtd !) -bz_ lsQf/ !) c+ssf] u'0ff°df clwstd %&,)&) -;GtfpGg xhf/ ;Q/L_ lsQf;Dd z]o/ v/Lb ug{sf nflu b/vf:t lbg ;lsg]5 .
u_ cfj]bg lbFbf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf] nflu u_ cfj]bg lbFbf kfngf ug'{kg]{ zt{ aGb]hx? h:t} Ps eGbf a9L b/vf:t lbg gkfOg], nufgLstf{sf] klxrfgsf] nflu
gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxssf] kl/ro gDa/ / gful/stf÷hGdbtf{sf] k|dfl0ft k|df0fkqsf] k|ltlnlk k]z ug'{kg]{ jf lwtf]kq bnfn Joj;foLn] lbPsf] u|fxssf] kl/ro gDa/ / ;DalGwt Jofj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t\ sf/f]af/ ul/g'kg]{ h:tf kIfx? M;DalGwt Jofj;foLsf] gfd v'nfpg'kg]{ / a}+s vftf dfkm{t\ sf/f]af/ ul/g'kg]{ h:tf kIfx? M
!= s'g} klg g]kfnL gful/sn] o; ljj/0fkq dfkm{t\ lgisfzg ul/g] gofF z]o/ v/Lbsf nflu cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t b/vf:t lbg ;Sg]5g\ . @= b/vf:t lbFbf a}+sn] tf]s]sf] lglb{i6 9fFrfdf cfkm"n] v/Lb ug{ rfx]sf] z]o/ ;+Vof / To;sf] /sd v'nfO{ b/vf:t lbg'kg]{5 . o;/L b/vf:t lbFbf b/vf:tjfnfn] clgjfo{ ?kdf cfkm\gf] lxtu|fxL vftf g+= (DP ID & Client ID) k"0f{ ?kdf pNn]v ug'{kg]{5 .
#= cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yf dfkm{t\ cfj]bg kmf/d a'emfpFbf b/vf:tjfnfn] ;f]xL ;+:yfaf6 pknAw u/fO{g]
cfj]bg kmf/ddf pNn]lvt ;Dk"0f{ ljj/0fx? :ki6 ?kdf pNn]v ug'{ kg]{5 . ;f] ;DaGwL cGo k|s[of tyf z'Ns ;DaGwL Joj:yf ;DalGwt cf:af (ASBA) ;b:o a}+s tyf ljQLo ;+:yfn] cfkm\gf] sfof{nosf] ;"rgfkf6L, j]j;fO{6 jf /fli6«o:t/sf] b}lgs kqklqsfdf k|sflzt u/L tf]s]adf]lhd x'g]5 .$= ;Dk"0f{ b/vf:tjfnfx? -gfafnsx? ;d]t_ n] clgjfo{ ?kdf cfkm\gf] vftf /x]sf] a}+s jf ljQLo ;+:yfsf] gfd, 7]ufgf / vftf gDa/
;d]t :ki6 ?kdf b/vf:t kmf/ddf v'nfpg' kg]{5 . b/vf:tjfnfn] b/vf:t kmf/ddf cfkm\gf] vftf gDa/ pNn]v ubf{ Clearing House sf] ;b:o ePsf] a}+s jf ljQLo ;+:yfdf ePsf] vftf gDa/ pNn]v ug'{ kg]{5 . %= b/vf:tjfnfnfO{ /sd lkmtf{ lbFbf b/vf:t kmf/ddf pNn]v ul/Psf] lghsf] vftfdf hDdf x'g] u/L /sd lkmtf{ e'QmfgL lbOg]5 .
=̂ ?=!) nfv;Dd /sd a/fa/sf] cfj]bg ug]{ b/vf:tjfnfn] :j]lR5s ?kdf / ?=!) nfveGbf a9L /sd a/fa/sf] cfj]bg ug]{
b/vf:tjfnfn] clgjfo{ ?kdf :yfoL n]vf gDa/ (PAN Number) b/vf:t kmf/ddf v'nfpg' kg]{5 . ;fy}, ?=!) nfv jf ;f] eGbf a9L cfj]bg ug]{ cfj]bsn] cfkm"n] cfj]bg ubf{ hDdf u/]sf] /sd ;DklQ z'4Ls/0f P]gsf] alv{nfk u/L cfh{g gu/]sf] eGg] pb\3f]if0f ug'{ kg]{5 .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 50
&= cfj]bg kmf/d g]kfnL tyf c+u|]hL b'a} efiffdf :ki6 ?kdf eg'{kg]{5 .
*= Ps JolQmn] cfkm"n] v/Lb ug{ rfx]sf] ;fwf/0f z]o/sf] nflu Ps eGbf a9L b/vf:t lbg] kfOg] 5}g . olb Ps JolQmsf] gfddf
Ps eGbf a9L cfj]bg k|fKt x'g cfPdf ;Dk"0f{ b/vf:tnfO{ /2 ul/g]5 .
(= cfdf÷afa' afx]s cGo JolQm ;+/Ifs eO{ gfjfns jf ljlIfKt JolQmsf] gfddf b/vf:t lbg rfxg] b/vf:tjfnfx?n] k|rlnt sfg'g
adf]lhd ;+/IfsTj u|x0f u/]sf] k|df0fsf] k|dfl0ft k|ltlnkL k]z ug'{kg]{5 .
!)= l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ z]o/ afF8kmfF8df ;dfj]z ul/g] 5}g / ;f]sf] lhDd]jf/ b/vf:tjfnf :jo+ x'g]5 .!)= l/tk"j{s k|fKt gePsf] b/vf:t kmf/dnfO{ z]o/ afF8kmfF8df ;dfj]z ul/g] 5}g / ;f]sf] lhDd]jf/ b/vf:tjfnf :jo+ x'g]5 .
!! ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M!! ;DalGwt kIf aLrsf] sf/f]af/ ;DaGwL ljj/0f M
lgisfzgstf{ ;+ul7t ;+:yf / lgDg lnlvt kIf aLr ljut @ jif{sf] cjlwdf s'g} k|sf/sf] j:t'ut sf/f]jf/ ePsf] jf s'g} sf/f]jf/ ug{
k|:tfj ul/Psf] eP sf/f]jf/df ;+nUg JolQmx?sf] gfd, ltgLx?sf] ;+ul7t ;+:yf;Fusf] ;DaGw, sf/f]af/sf] k|s[lt / /sd M
s_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfnssf] ?kdf /x]sf] JolQm M sf/f]af/ gePsf] .
v_ cfwf/e"t z]o/wgL M ;f] gePsf] .
u_ v08 -s_ / -v_ df pNn]lvt s'g} JolQmsf] Psf3/ kl/jf/ ;b:o M sf/f]jf/ gePsf] .
3_ ;+ul7t ;+:yfsf] sfo{sf/L clws[t jf ;+rfns jf cfwf/e"t z]o/wgLn] #) k|ltzt jf ;f] eGbf a9L dtflwsf/ x'g] u/L z]o/
:jfldTj u|x0f u/]sf] sDkgL jf ;+ul7t ;+:yf M sf/f]jf/ gePsf] .
ª_ ;+ul7t ;+:yf jf To;sf] ;xfos sDkgLn] xfnsf] ;+rfns jf lghsf] Psf3/sf] kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/
jf ;Demf}tf u/]sf] 5 eg] ;f] jf ljj/0fkq k|sfzg ug'{ eGbf # jif{ cufl8sf] cjlwdf ;+:yfsf] ;+rfns jf ;+rfnssf] Psf3/
kl/jf/sf] ;b:osf nflu s'g} sf/f]jf/ jf ;Demf}tf u/]sf] eP ;f] s'/f M s'g} sf/f]jf/ jf ;Demf}tf u/]sf] 5}g .r_ s'g} ;+rfns jf ;+rfnssf] Psf3/ kl/jf/sf] ;b:onfO{ s'g} C0f lbPsf] jf lgh;Fu lnPsf] eP pQm C0f ;DaGwL lj:t[t ljj/0f h:t} C0f afkt lnPsf] /sd, C0fsf] Aofhb/, C0f lnPsf] ldlt, C0f e'QmfgL cjlw cflb s'/f ljj/0fkqdf v'nfpg' kg]{ M gePsf] .
!@ ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f M!@ ljb]zL nufgL / Joj:yfkg ;DaGwL ljj/0f Mljb]zL nufgL / Joj:yfkgdf ;+ul7t ;+:yf ;+rfng x'g] eP ;f] sf] ljj/0fsf ;fy} ;DalGwt ;Demf}tfsf d"Vo tyf tflTjs a'Fbfx? M o; a}+ssf] ;+:yfks ;d"x cGtu{t ljb]zL ;+:yf PkmPdcf] / oË lnog l/oN6L /x]sf] / lghx?af6 v/Lb u/]sf] z]o/sf] cfwf/df ;~rfns ;ldltdf k|ltlglwTj dfq x'g] Joj:yf ePsf]n] ;f] afx]s lghx?;+u Joj:yfkg ;DaGwdf s'g} ;Demf}tf gePsf] .
!# ;"lrs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M !# ;"lrs[t ;+ul7t ;+:yfn] ;fj{hlgs lgisfzg ug]{ ePdf ;f] sf] ljj/0f M s_ ;+ul7t ;+:yfsf] ljut $ cfly{s jif{sf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]jf/ ePsf] z]o/ ;+Vof M s_ ;+ul7t ;+:yfsf] ljut $ cfly{s jif{sf] pRrtd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]jf/ ePsf] z]o/ ;+Vof M
cfly{s jif{cfly{s jif{ q}dfl;s cjlwq}dfl;s cjlwpRrtd pRrtd
ahf/ d'Noahf/ d'NoGo'gtd Go'gtd
ahf/ d'Noahf/ d'NoclGtd clGtd
ahf/ d'Noahf/ d'Nosf/f]jf/ ePsf]sf/f]jf/ ePsf]z]o/ ;+Vofz]o/ ;+Vof
2073/074
k|yd 940 752 813 8,595bf];|f] 814 474 510 4,666t];|f] 678 413 643 4,051rf}yf] 655 520 545 4,125
2072/073
k|yd - - - -bf];|f] $^^ $$( $^) #,(*,&#%
t];|f] ^)( ^)) ^)( !&,(#,#*&
rf}yf] &($ &&^ &** @$,*(,*%$
2071/072
k|yd %)& $(% %)& $,&$,))&bf];|f] - - - -t];|f] - - - -rf}yf] - - - -
2070/071
k|yd @^) @%$ @^) #,$@,@@#bf];|f] $@% $)$ $@) ^,*!,!&&t];|f] $)) #** #(& %,*%,%@@rf}yf] %@& %!@ %!% &!(,!%#
gf]6 M z]o/sf] cBfalws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No;"lr dfkm{t\ hfgsf/L lng ;lsg]5 .
cf=j= @)&!÷&@ sf] bf];|f] q}df; b]vL cf=j= @)&@÷&# sf] k|yd q}df;;Dddf dh{/sf] sf/0fn] ubf{ z]o/ sf/f]af/ gePsf]
v_ af]8{df ljj/0fkq btf{sf] nflu k|:t't ug'{ eGbf * dlxgf cufl8sf] cjlwsf] dfl;s ?kdf pRr, Go"g / clGtd d"Nosf ;fy}
k|To]s dlxgfdf sf/f]jf/ ePsf] s"n lbg / s'n sf/f]af/ ePsf] lwtf]kq ;+Vof M
dlxgfdlxgfclwstd z]o/clwstd z]o/ Go'gtd z]o/Go'gtd z]o/ clGtd ahf/clGtd ahf/ z]o/ sf/f]af/z]o/ sf/f]af/ sf/f]af/sf/f]af/
d'No -¿=_d'No -¿=_ d'No -¿=_d'No -¿=_ d'No -?=_d'No -?=_ ;+Vof;+Vof lbglbg
@)&% j}zfv@)&% j}zfv 486 440 460 1,271 19
@)&$ r}q@)&$ r}q 453 395 445 1,050 20
@)&$ kmfu'0f@)&$ kmfu'0f 492 420 466 1,146 18
@)&$ df3@)&$ df3 480 433 460 1105 17
@)&$ k'if@)&$ k'if 480 445 457 719 19
@)&$ d+l;/@)&$ d+l;/ 494 453 480 696 18
@)&$ sflQ{s@)&$ sflQ{s 495 453 480 846 20
@)&$ c;f]h@)&$ c;f]h 505 455 485 515 16 gf]6M z]o/sf] cBfjlws ahf/ d"No g]kfn :6s PS;r]Gh lnld6]8n] k|sflzt ug]{ ahf/ d"No;"lr dfkm{t\ hfgsf/L lng ;lsg]5 .
!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M!$= kl5Nnf] ;fj{hlgs lgisfzgsf] cg'dfg tyf pknAwL ;DaGwL ljj/0f M
;+ul7t ;+:yfn] o; eGbf cuf8L lwtf]kq lgisfzg ubf{ tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]lvt ul/Psf nIo tyf sfo{qmdx? tyf v'b d'gfkmf xfl;n ug{ ;s]÷g;s]sf], g;s]sf] cj:yfdf nIo tyf sfo{qmdsf ;fy} ljj/0fkq jf cGo ljj/0fx?df k|If]lkt v'b d'gfkmf eGbf aL; k|ltzt jf ;f] eGbf a9Ln] Go"g x'g uPsf] eP o;/L km/s kgf{sf] sf/0f M
o; a}+saf6 o; eGbf cuf8L lwtf]kq lgisfzg ubf{ ldlt @)&! kmfu'0f ^ df ?=%) s/f]8 a/fa/sf] C0fkq hf/L ePsf] / ;f] hf/L ubf{ o; a}+sn] tof/ u/]sf] ljj/0fkq jf cGo ljj/0fx?df pNn]lvt ul/Psf sfo{qmd tyf nIox? xfl;n ug{ ;s]sf]] . cf=j= )&@÷)&# b]lv )&#÷)&$ ;Dd k|If]lkt d'gfkmf eGbf al9 v'b d'gfkmf ug{ a}+s ;kmn ePsf] t/ cf=j=)&!÷)&@ df a}+ssf] v'b Jofh cfDbfgLdf sdL tyf shf{ gf]S;fgL Joj:yfdf a[l4 ePsf sf/0f v'b d'gfkmf k|If]lkt eGbf sd x'g uPsf] .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 52
jf;nft
jf;nft
k'FhL ty
f bfloTj
k'FhL ty
f bfloTj
k|If]lkt
-?= xh
f/df_
k|If]lkt
-?= xh
f/df_
jf:tljs
jf:tljs
-?= xh
f/df_
-?= xh
f/df_
k|If]lkt
/ jf:tljssf]
k|If]lkt
/ jf:tljssf]
t'ngf -k|ltz
tdf_
t'ngf -k|ltz
tdf_
071/
7207
2/73
073/
7407
1/72
072/
7307
3/74
071/
7207
2/73
073/
74
k'FhL ty
f bfloTj
!= z
]o/ k
'FhL
2,65
0,00
0 2,
900,
000
2,90
0,00
0 2,
732,
365
5,51
8,6
36
6,4
61,7
74
3%90
%12
3%
@= h
u]8f ty
f sf]ifx?
637,
367
942,
545
1,3
19,7
46
564,0
82
1,3
42,
524
4,2
25,4
01
-11%
42%
220%
#= C
0fkq
tyf aG8
500
,000
5
00,0
00
1,00
0,00
0 50
0,00
0 50
0,00
0 50
0,00
0 0%
0%-5
0%
$= ltg
{ afFls
shf{ ;fk6
- -
-438
,000
1
,487,
995
1,16
5,90
6 10
0%10
0%10
0%
%= lgIf]k b
floTj
28,7
82,
433
33
,099
,798
39
,522
,735
3
6,72
2,91
8
64,7
81,
464
73
,224
,063
28
%96
%85%
^= e
'Qmfg
L lbg'k
g]{ ljnx?
5,5
00
6,0
50
6,65
5 21
,717
-
-29
5%-1
00%
-100
%
&= k
|:tfljt
tyf e'Q
mfgL lbg'
afFsL nfefFz
100
,000
87,
500
375,
000
17,
493
5
4,3
01
--8
3%-3
8%
-100
%
*= c
fos/ bfloTj
- -
--
--
(= c
Go b
floTj
293,
427
30
2,23
0 30
8,2
75
340,
888
928,4
10
1,2
39,8
39
16%
207%
302%
s'n k
'FhL ty
f bfloTj
32,
968,7
27
37,
838
,123
45,
432
,411
4
1,33
7,463
7
4,6
13,3
28
86,
816
,983
25%
97%
91%
;DklQ
!= g
ub d
f}Hbft
404
,967
465
,713
55
6,08
3 817
,585
1,491
,152
1
,703
,496
10
2%22
0%20
6%
@= g
]kfn /fi6
« a}+sdf /x]s
f] df}Hb
ft 1
,726
,946
1,98
5,98
8
2,5
68,9
78
3,39
1,24
5 6
,390
,585
9,2
42,
455
96
%22
2%26
0%
#= a
}+s / ljQ
Lo ;
+:yfdf /x]sf] df}Hb
ft431
,736
4
96,4
97
592,
841
2,09
6,71
2 2
,298
,802
1,
336,
262
386%
363%
125%
$= d
fu t
yf cNk ;
'rgfdf k
|fKt x
'g] /s
d 5
48,5
68
603
,425
66
3,76
7 7
22,6
07
557
,823
407
,885
32%
-8%
-39%
%= n
ufgL
4,0
08,2
12
4,5
47,
176
5,3
12,7
42
5,9
83,
872
8
,504
,126
10
,597
,554
49%
87%
99%
^= s
hf{ ;fk6
tyf ljn v
/Lb
24
,465
,068
28,1
34,8
28
33,1
99,0
97
27,2
88,8
91
53,0
21,3
84
61,
157,
357
12%
88%
84%
&= l:y
/ ;DklQ
431
,109
433
,972
402
,076
3
74,2
53
1,34
5,51
9 1,
452
,316
-1
3%21
0%26
1%
*= u
}/ a}lsË ;
DklQ
- -
--
--
(= c
Go ;
DklQ
952,
121
1,17
0,52
5 2
,136
,826
6
62,2
97
1,00
3,93
7 9
19,6
57
-30%
-14%
-57%
s'n ;
DklQ
32,
968,7
27
37,
838
,123
45,
432
,411
4
1,33
7,463
7
4,6
13,3
28
86,
816
,983
25%
97%
91%
gfkmf gf]S;
fg lx;
fjgfkmf gf]S;
fg lx;
fj
k|If]lkt
k|If]lkt
-?= xh
f/df_
-?= xh
f/df_
jf:tljs
jf:tljs
-?= xh
f/df_
-?= xh
f/df_
k|If]lkt
/ jf:tljssf]
k|If]lkt
/ jf:tljssf]
t'ngf -k|ltz
tdf_
t'ngf -k|ltz
tdf_
071/
7207
2/73
073/
7407
1/72
072/
7307
3/74
071/
7207
2/73
073/
74!= Jofh c
fDbfgL
2,880,
859
3
,350
,676
3
,948,0
86
2,3
15,4
41
4,0
53,3
41
6,07
3,52
1 -2
0%21
%54
%
@= Jofh v
r{
1,8
25,0
53
2,14
6,834
2
,594
,609
1
,348,0
74
2,04
0,05
9 3
,505
,347
-26%
-5%
35%
v'b
Jofh c
fDbfgL
1,0
55,8
05
1,2
03,8
43
1,35
3,477
9
67,3
68
2,01
3,28
2 2
,568
,174
-8
%67
%90
%
#= s
ldzg
tyf l8:s
fpG6
91,8
78
115,
766
144,7
07
112,
616
197,
616
360,
630
23%
71%
149%
$= c
Go ;
+rfng
cfDb
fgL
112,
295
141,
492
17
6,865
1
12,2
70
218
,106
28
8,0
30
0%54
%63
%
%= ;
6xL 36j
9 cfDb
fgL
96,8
60
123,
012
153,
765
119
,514
1
60,2
69
208,5
14
23%
30%
36%
s'n ;
+rfng
cfDb
fgL
1,3
56,8
38
1,5
84,1
13
1,8
28,8
14
1,3
11,7
67
2,58
9,27
2 3
,425
,349
-3%
63%
87%
^=sd{r
f/L vr{
199,
300
225
,209
25
4,4
86
201
,815
471
,311
5
98,4
60
1%10
9%13
5%
&= c
Go ;
+rfng
vr{
286,
505
329
,884
369
,315
28
8,1
12
473
,549
659,
079
1%44%
78%
*=;6x
L 36j
9 gf]S;
fg
- -
--
--
;Defljt
gf]S;
fgL Joj:yf cl3sf] ;~r
fng
d'gfkmf
871
,033
1
,029
,020
1,
205,
013
821
,840
1,64
4,4
11
2,16
7,810
-6
%60
%80%
(=;Defljt
gf]S;
fgL Joj:yfx?
54,2
49
51,
377
70,
900
97,
074
576,
323
188,1
99
79%
1022
%16
5%
;~r
fng
d'gfkmf
816
,784
977,
643
1,13
4,1
13
724
,766
1,
068,0
88
1,97
9,61
1 -1
1%9%
75%
!)=u}/ ;~r
fng
cfDb
fgL -gf]S;fg_
6,6
99
7,2
79
7,91
7 17
,352
55
,844
54,6
62
159%
667%
590%
!!=;Defljt
gf]S;
fgL Joj:yfaf6 lkmtf{
15,0
00
25,0
00
40,
000
41,
974
650
,079
1
66,5
07
180%
2500
%31
6%
lgoldt
sf/f]jf/af6
ePsf] d'g
fkmf
838
,483
1,0
09,9
22
1,1
82,
030
784,0
92
1,77
4,0
11
2,20
0,78
0 -6
%76
%86%
!@=c;fdfGo
sf/f]jf/x?
af6
ePsf] d'g
fkmf/vr{
- -
--
(10
,942)
88,1
24
-1
00%
100%
;Dk'0f{ s
f/f]jf/ ;
dfj]z
kl5sf] v'b
d'gfkmf
838
,483
1,0
09,9
22
1,1
82,
030
784,0
92
1,76
3,06
8
2,28
8,9
04
-6%
75%
94%
!#= sd{r
f/L af]g;
Joj
:yf
76,
226
91,
811
10
7,457
7
1,28
1 1
60,2
79
208,0
82
-6%
75%
94%
!$= cfos/ Joj:yf
228,6
77
275,
433
32
2,37
2 2
11,8
22
487,
725
613,
474
-7
%77
%90
%
v'b
gfkmf-g
f]S;fg_
533,
580
642,
678
752
,201
5
00,9
90
1,11
5,06
5 1,
467
,347
-6%
74%
95%
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 54
gfkmf gf]S;
fg a
fF8kmfF8 lx;
fj v
ftf
gfkmf gf]S;
fg a
fF8kmfF8 lx;
fj v
ftf
k|If]lkt
-?= xh
f/df_
k|If]lkt
-?= xh
f/df_
jf:tljs -?= xh
f/df_
jf:tljs -?= xh
f/df_
k|If]lkt
/ jf:tljssf]
k|If]lkt
/ jf:tljssf]
t'ngf -k|ltz
tdf_
t'ngf -k|ltz
tdf_
071/
7207
2/73
073/
7407
1/72
072/
7307
3/74
071/
7207
2/73
073/
74
cfDb
fgL
ut j
if{;Ddsf] ;+lrt
d'gfkmf
70,7
20
52,3
85
132,
670
985
9,52
3 2
2,19
5 -9
9%-8
2%-8
3%
o; j
if{sf] d'g
fkmf
533,
580
642,
678
752,
201
500,
990
1,11
5,06
5 1
,467
,347
-6%
74%
95%
dh{af6
z]o/
cg'k
ftdf e
Psf] d'g
fkmf
- -
--
651,
180
-
100%
nufgL ;
dfof]hg
sf]if
- -
--
\ 19,
992
-
100%
cGo
- -
--
-24
,993
10
0%
hDdf
604,3
00
695,
063
884,8
71
501
,974
1
,795
,760
1,
514,5
35
-17%
158%
71%
vr{
;fwf/0f h
u]8f sf]if
(106
,716
) (1
28,5
36)
(150
,440)
(100
,198
) (22
3,01
3) (29
3,469
)-6
%74
%95
%
uflePs
f ;+:y
fsf ;+lrt
gf]S;
fg
-(4
90,9
83)
-
-100
%
C0fkq
e'Qmfg
L sf]if
(90,
909)
(90,
909)
(181,
818
) (3
7,04
6) (90
,751
) (90
,751
)-5
9%0%
-50%
;6x
L 36a
9 sf]if
(4,2
90)
(5,4
48)
(6,8
10)
(7,4
70)
(10
,417
) (13
,431
)74
%91
%97
%
nfefz -gu
b_ (1
00,0
00)
(87,
500)
(375
,000
) (1
7,493
) (54
,301
)-
-83%
-38%
-100
%
nfefz -af]gz
_ (2
50,0
00)
(250
,000
) -
(332
,365
)(1
,031
,712
)-
33%
313%
nufgL ;
dfof]hg
sf]if
- -
-(2
,310
)1,
554
(1,2
72)
100%
-100
%10
0%
:yug
sf/ s
f]if -
- -
4,4
30
166
,984
--1
00%
-100
%
sd{r
f/L bIftf clej[4
L sf]if
- -
--
-(3
,037
)
10
0%
;fdflh
s p
Q/bflTj
sf]if
- -
--
-(1
4,6
73)
100%
k'FhL ;dfof]hgf s
f]if -
- -
- (40,
925)
-
100%
;+lrt
d'gfkmf
52,
385
132,
670
170
,803
9
,523
22
,195
1
,097
,900
-8
2%-8
3%54
3%
!% k/fdz{bftf÷laz]if1 ;DaGwL ljj/0fM !% k/fdz{bftf÷laz]if1 ;DaGwL ljj/0fM
s_ n]vfk/LIfs, k|d'v a}+s, lgisfzg sfo{;Fu ;+nUg a}+s, k|If]lkt ljQLo ljj/0f 7Ls 5 egL k|dfl0ft ug]{ lj1 cflbsf] gfd tyf 7]ufgf M
c_ o; a}+ssf] n]vfk/LIfsdf l6cf/ pkfWof P08 s+= /x]sf] 5 .
cf_ o; lgisfzgsf] nflu k|d'v a}+ssf] Joj:yf ul/Psf] 5}g .
O_ o; lgisfzgsf] nflu b]xfosf a}+sx?nfO{ lgisfzg a}+s (Banker to the Issue) sf] ?kdf lgo'Qm ul/Psf] 5 .
l;=g+=l;=g+= lgisfzg a}+ssf] gfd 7]ufgf lgisfzg a}+ssf] gfd 7]ufgf vftf lzif{svftf lzif{s vftf g+=vftf g+=
!= >L PgPdla a}+s lnld6]8, aa/dxn, sf7df8f}+ . CIT-NMB-FPO ))!))^))^%)$(%)))))!
O{_ o; ljj/0fkqdf pNn]lvt ljQLo ljj/0f tyf k|If]k0fsf] cg'dfg tyf cfwf/x? xfnsf] ljQLo ahf/sf] l:ylt,
lgisfzgstf{ a}+ssf] xfnsf] bIftf / lgisfzgstf{ a}+sn] k|fKt u/]sf] xfn;Ddsf] sfo{ k|ultsf] cfwf/df k'g/fjnf]sg u/L ljj/0f
l7s 5 egL >L cf/s]P; P08 P;f]l;o6;\, rf6{8{ Psfp6]06\;n] k|dfl0ft u/]sf] 5 .
!^ cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0f M nfu" gx'g] .!^ cfof]hgf ;DkGg ug{sf] nflu ;fj{hlgs lgisfzg afx]s cGo ljQLo >f]tx? k|of]u ul/Psf] 5÷5}g, tT;DaGwL ljj/0f M nfu" gx'g] .
!&= d'2f tyf ljjfb ;DaGwL ljj/0f M!&= d'2f tyf ljjfb ;DaGwL ljj/0f M
s_ ;+ul7t ;+:yfsf] t/ntf, df}Hbft, sfo{ ;+rfngdf tflTjs c;/ kg]{ vfnsf] s'g} d'2fdfldnf jf ljjfb eP ;f] ;DaGwL ljj/0f
tyf pk/f]Qm d'2f jf ljjfbsf] sf/0faf6 kg{ ;Sg] k|efj ;DaGwdf Joj:yfkgsf] wf/0ff M ;f] gePsf] .
v_ ;+ul7t ;+:yfnfO{ c;/ kg]{ u/L ;+:yfsf] ;+:yfks÷;+rfnsn] jf nfO{ bfo/ ul/Psf] d'2f ;DaGwL ljj/0f M ;f] gePsf] .
u_ ljut kfFr jif{df ;+ul7t ;+:yfsf] s'g} ;+:yfks÷;+rfns sfnf];"rLdf k/]sf] jf s'g} g}lts jf cfly{s sf/0faf6 s'g} lgodg lgsfo jf cbfntn] ;hfo u/fPsf] eP, To:tf] ;+rfnssf] gfd / ;hfo ug]{ lgodg lgsfo jf cbfntsf] gfd pNn]v ug'{ kg]{ M ;f] gePsf] . 3_ ;+ul7t ;+:yf a}+s jf ljQLo ;+:yfdf C0f glt/L l8kmN6 ePsf], lgod cg';f/sf] z'Ns glt/]sf], lwtf]kqjfnfx?sf] s'g} /sd e'QmfgL gul/Psf] eP tT;DaGwL ljj/0fx? M ;f] gePsf] .
!*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M !*= u'gf;f] ;'Gg] / ;dfwfg ug]{ k|s[of M o; ;fj{hlgs lgisfzg ;DaGwdf nufgLstf{x?sf] u'gf;f] ;'Gg / ;f]sf] ;dfwfgsf] nflu lwtf]kq lgisfzg tyf laqmL k|aGwssf] sfof{no gful/s nufgL sf]if, gofF jfg]Zj/, sf7df8f}+df Ps ljz]if sIfsf] Joj:yf ul/Psf] 5 . ;fy}, u'gf;f] ;'Gg / ;f]sf] ;dfwfgsf] nflu lwtf]kq lgisfzg tyf laqmL k|jGwssf] sfof{nodf >L k'?iff]Qd e§/fO{nfO{ kmf]g g+ )!–$&*!$#^ df ;Dks{ ug{ ;lsg]5 .
!( gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf ;DaGwL !( gub glnO{ s;}nfO{ lwtf]kq lgisfzg ul/Psf] 5 eg] To:tf] JolQm jf ;d"xsf] gfd, v/Lb ul/Psf] ;DklQ jf ;]jf ;DaGwL ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M ljj/0f, lgisfzg ul/Psf] lwtf]kqsf] ;+Vof / b/ ;DaGwL ljj/0f M
;f] gePsf] .
@) C0fkq lgisfzg ;DaGwL ljj/0f M @) C0fkq lgisfzg ;DaGwL ljj/0f M
o; a}+saf6 ldlt @)&! kmfu'0f ^ df % aif{ ^ dlxgfdf kl/kSjx'g] u/L ?=%) s/f]8 a/fa/sf] C0fkq hf/L ePsf] . @)&& efb| % df ;Dk"0f{ ;fjfF e'QmfgL tyf To;sf] Aofh e'QmfgL ^÷^ dlxgfdf lbg] ul/ hf/L ePsf] pQm C0fkqsf] Aofhb/ & k|ltzt /x]sf] 5 . g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ a}+sn] Debebture Redemption Reserve df c;f/ d;fGt @)&$ ;Dddf ?=@!*,%$&,(*^÷– hDdf ul/;s]sf] 5 .
@! cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M @! cu|flwsf/ z]o/ lgisfzg ;DaGwL Joj:yf M ;f] gePsf] .
@@ cGo ;fdfGo hfgsf/L M@@ cGo ;fdfGo hfgsf/L M
s_ ljz]if1sf] s'g} /fo ePdf, ;f]sf] ljj/0f M
:jtGq ljQLo ljz]if1sf] /fo o;} ;fy d'Nof+sg k|ltj]bgdf ;+nUg ul/Psf] 5 .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 56
v_ ut tLg cfly{s jif{ leqdf s'g} ;+rfns, n]vfk/LIfs kl/jt{g ePsf] eP, ;f]sf] sf/0f M
qm=;+=qm=;+= GffdGffd KfbKfb kl/jt{g ePsf] sf/0fkl/jt{g ePsf] sf/0f
!= ;'Gb/ P08 sDkgL n]vf kl/Ifs
nuftf/ tLg cfly{s aif{;Dd n]vf kl/Ifs
/x]sf]n] ;f] kl5 k|rlnt sfg"g adf]lhd lg/Gt/tf
lbg gldNg]@= l6= k'/fx/0f ;L=lk= /fdfs[i0ffg\ ;+rfns a}+s dh{/sf sf/0f ;+rfnsdf g/xg' ePsf] .#= dlgif h}g ;+rfns a}+s dh{/sf sf/0f ;+rfnsdf g/xg' ePsf] .
$= g]kfn e'if0f rGb ;+rfnsdh{/ kZrft r'gfj ePsf sf/0f
;+rfns kbdf g/xg' ePsf] .
%= gGb lszf]/ /f7L ;+rfnsdh{/ kZrft r'gfj ePsf sf/0f ;+rfns kbdf g/xg' ePsf] / ldlt @)&#÷@÷@$ b]lv j}slNks ;+rfnsdf k'gM lgo'Qm x'g' ePsf] .
^= PlNjg s'n ;+rfnsdh{/ kZrft ePsf] r'gfjaf6 PkmPdcf]sf]k|ltlglwsf] ?kdf lgh PlNjg s'nsf] ;§fdf lgsf] lknnfO{ k7fOPsf] .
&= dgf]h s'df/ uf]on ;+rfns a}+ssf] @)cf}+ jflif{s ;fwf/0f ;efaf6 lgjf{lrt .
*PkmPdcf], g]b/Nof08;\sf] tkm{af6 MR. NICO KLAAS GERARDUS PIJL
;+rfns a}+ssf] @!cf}+ jflif{s ;fwf/0f ;efaf6 lgjf{lrt .
( /f]d0fL k|;fb kf7s ;+rfnsAolQmut sf/0fn] lbPsf] /flhgfdfldlt @)&$.)#.@& sf] ;+rfns ;ldltaf6 :jLs[t
!) xl/ afa' Gof}kfg] ;+rfns a}+ssf] @)cf}+ jflif{s ;fwf/0f ;efaf6 lgjf{lrt .!! hLjg dfg hf]zL :jtGq ;+rfns cjlw ;dfKt ePsfn] ;+rfnsdf g/xg' ePsf] .
!@ sdn]z s'df/ cu|jfn ;+rfnsldlt @)&$ a}zfv !) ut] b]lv nfu' x'g] ul/ /flhgfdf :jLs[t ePsf] .
!#= k|lbk/fh kf08] :jtGq ;+rfns:jtGq ;+rfns >L hLjg dfg hf]zLsf] kbfjlw ;dfKt ePsfn] lghsf] :yfgdf ldlt @)&$.)&.!) sf] ;+rfns ;ldltsf] lg0f{o adf]lhd lgo"Qm
u_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf Mu_ sDkgL ;lrjsf] gfd, 7]ufgf / of]Uotf MeQmk'/ lhNnf, ;"o{ljgfos g= kf= j8f g++ @, afnsf]6, eQmk'/ lgjf;L Joj:yfkg tyf dfgljsL ljifodf :gftsf]Q/ / sfg'g ljifodf
:gfts tx;Ddsf] z}lIfs of]Uotf xfl;n ug'{ePsf >L k|df]b s'df/ bfxfn o; a}+sdf sDkgL ;lrjsf] ?kdf sfo{/t /xg' ePsf]5 .
3_ yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ug{sf nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M3_ yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ug{sf nflu ;+rfns ;ldltaf6 ePsf] lg0f{o ;DaGwL ljj/0f M
o; a}+ssf] ldlt @)&#÷)(÷@$ ut] ;DkGg @!cf}+ aflif{s ;fwf/0f ;efsf] lg0f{o tyf ldlt @)&$÷)!÷!( ut] a;]sf] ##$cf}+ ;+rfns
;ldltsf] lg0f{o cg';f/ ?=!))÷– c+lst b/sf] !,!$,!%,!^# lsQf ;fwf/0f z]o/ lk|ldod d"No yk u/L ;j{;fwf/0fx?df yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ dfkm{t lgisfzg tyf laqmL ug]{ ;j{;Ddltaf6 lg0f{o ePsf] . ;fy}, ldlt @)&%.)@.)( df a;sf] #%% cf}+ ;+rfns ;ldltsf] a}+7saf6 lk|ldod ;lxt ?=### df yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ sf] nflu ;Dk"0f{
cfjZos sfo{ ug{ o; a}+ssf k|d'v sfo{sf/L clws[t >L ;'lgn s]=;L= nfO{ clVtof/L lbg] lg0f{o ePsf] .
ª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f Mª_ ;+ul7t ;+:yf jf o;sf z]o/wgLnfO{ s'g} ljz]if s/ ;'ljwf lbOPsf] eP, ;f] ;DaGwL ljj/0f M dh{/sf sf/0f dh{/ x'Fbfsf jvt
sfod /x]sf z]o/wgLx?nfO{ k|rlnt sfg"g adf]lhd k|fKt 5'6 afx]s cGo 5'6gePsf] . r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt ug{ jf r_ ;+ul7t ;+:yfsf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f k|fKt ug{ jf
x]g{ ;Sg] 7fpF / ;do Mx]g{ ;Sg] 7fpF / ;do Msfof{no ;doleq lgDg :yfgx?df ;Dks{ /flv a}+ssf] kl5Nnf] cfly{s jif{sf] n]vfk/LIf0f ePsf] jf;nft, gfkmf–gf]S;fg lx;fj
tyf gub k|jfxsf] ljj/0f k|fKt ug{ jf lg/LIf0f ug{ ;lsg]5 .!= a}+ssf] /lhi6{8{ -s]Gb|Lo_ sfof{no, aa/dxn, sf7df8f}+ .
@= lwtf]kq lgisfzg tyf laqmL k|jGws >L gful/s nufgL sf]if, gofF jfg]Zj/, sf7df8f}+ .
5_ af]g; z]o/ ;DaGwL Joj:yf M 5_ af]g; z]o/ ;DaGwL Joj:yf M
k|rlnt P]g / g]kfn lwtf]kq af]8{sf] k|rlnt af]g; z]o/ lgisfzg ;DaGwL Joj:yf cg';f/ a}+sn] af]g; z]o/ hf/L ug{ ;Sg]5 .h_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f Mh_ z]o/jfnf, sd{rf/L jf c? s;}sf] nflu z]o/ ;'/lIft ug]{ Joj:yf ul/Psf] ePdf ;f] s'/f M
!= o; ljj/0fkq dfkm{t\ lgisfzg ul/g] ;fwf/0f z]o/x? z]o/jfnf, sd{rf/L jf c? s;}sf] nflu ;'/lIft ul/Psf] 5}g .
@= o; ljj/0fkq dfkm{t\ lgisfzg ul/g] ;fwf/0f z]o/x? k'/f laqmL x'g g;s]df afFsL /x]sf z]o/x? a}+s;+u ePsf] ;Demf}tf
adf]lhd k|Tofe'tstf{x?n] vl/b ug]{5g\ .em_ a}+sn] sDkgL P]gn] u/]sf Joj:yfx?, cfkm\gf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf] ;DaGwdf em_ a}+sn] sDkgL P]gn] u/]sf Joj:yfx?, cfkm\gf] sf/f]af/;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf k"0f{ kfngf u/]sf] ;DaGwdf u/]sf] pb\3f]if0f Mu/]sf] pb\3f]if0f M
a}+sn] sDkgL P]g, @)^# n] u/]sf Joj:yfx?, cfkm"n] ug]{ Joj;fo;Fu ;DalGwt P]g, lgod tyf lgodg Joj:yf tyf lgodg
lgsfox?n] lbPsf] lgb]{zgx?sf] ljut !@ dlxgfdf k"0f{ ?kdf kfngf u/]sf] 5 / ;f]xL lgb]{zgx?sf] bfo/fleq /xL sfo{ ul//x]sf]
/ o; ljj/0fkqdf pNn]v ul/Psf ljj/0fx? ;d]t ;f]xL cg'?k tof/ ul/Psf] xf] eGg] a}+ssf] pb\3f]if0f /x]sf]5 . `_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M`_ lwtf]kq laqmL ljt/0f ;DaGwL Joj:yf M
lwtf]kq af]8{af6 cf:af (ASBA) sf] ;b:otf lnPsf a}+s tyf ljQLo ;+:yfx?af6 o; lgisfzgsf nflu cfj]bg a'lemlng] Joj:yf ul/Psf] 5 .
6_ qm]l86 /]l6Ë ;DaGwL Joj:yfM6_ qm]l86 /]l6Ë ;DaGwL Joj:yfM o; ljj/0fkq cg';f/ ;j{;fwf/0fx?df lgisfzg ul/g] ;fwf/0f z]o/sf] nflu æqm]l86 /]l6Ë
lgodfjnL, @)^*Æ sf] lgod # df ePsf] Joj:yf adf]lhd a}+sn] g]kfn lwtf]kq af]8{af6 cg'dlt k|fKt qm]l86 /]l6Ë ;+:yf O{qmf
g]kfn ln=, l8NnLahf/, sf7df8f}+af6 qm]l86 /]l6Ë u/fO{ æ[O{qmfPglk] cfO{lkcf] u|]8 #Æ k|df0fkq k|fKt u/]sf] 5 . O{qmf g]kfnn] ! b]lv
% KjfOG6 u|]l8Ë k|bfg ub{5 . h;df u|]8 ! n] alnof] cfwf/ hgfpF5 eg] u|]8 % n] sdhf]/ cfwf/x? hgfpF5. u|]8 @, # / $ df
k|of]u ul/g] +(Plus) lrGxn] o; ;d"xsf t'ngfTds ;sf/fTds l:yltnfO{ hgfpF5 . qm]l86 /]l6Ë ;DaGwL ljj/0f o; ljj/0fkqsf] cg';"rLdf ;+nUg ul/Psf] 5 .7_ yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ dfkm{t\ z]o/ laqmL ug{ a}+sn] b]xfo adf]lhdsf] cj:yf k'/f u/]sf] 5 M7_ yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ dfkm{t\ z]o/ laqmL ug{ a}+sn] b]xfo adf]lhdsf] cj:yf k'/f u/]sf] 5 M!_ ljut kfFr jif{df sDtLdf kl5Nnf] tLg jif{ v'b d'gfkmfdf ;+rfng eO{ k|lt z]o/ g]6jy{ k|lt z]o/ r'Qmf kF"hL eGbf a9L ePsf] M!_ ljut kfFr jif{df sDtLdf kl5Nnf] tLg jif{ v'b d'gfkmfdf ;+rfng eO{ k|lt z]o/ g]6jy{ k|lt z]o/ r'Qmf kF"hL eGbf a9L ePsf] Mo; a}+s ljut kfFr jif{ tyf ;f] eGbf cufl8sf jif{x?df klg lg/Gt/ gfkmfdf ;+rfng eO{ /x]sf] / ljut tLg jif{sf] a}+ssf] k|lt z]o/ g]6jy{ tyf k|lt z]o/ r'Qmf kF"hL b]xfo adf]lhd /x]sf] 5 M
l;=g+=l;=g+= cfly{s jif{cfly{s jif{k|lt z]o/ k|lt z]o/
r'Qmf kF'hL -?=_r'Qmf kF'hL -?=_k|lt z]o/ k|lt z]o/ g]6jy{ -?=_g]6jy{ -?=_
v'b d'gfkmfv'b d'gfkmf-?= xhf/df_-?= xhf/df_
!= )^*÷)^( 100 122.20 52,224.44@= )^(÷)&) 100 121.20 360,393.62#= )&)÷)&! 100 140.65 409,922.98$= )&!÷)&@ 100 137.35 500,989.61%= )&@÷)&# 100 152.91 1,115,064.63^= )&#÷)&$ 100 165.39 1,467,347.47
@_ a}+ssf] lwtf]kqsf] kl5Nnf] ;fj{hlgs lgisfzg ePsf] tLg jif{ k'/f ePsf] 5 . -kl5Nnf] z]o/ yk ;fj{hlgs lgisfzg cf=j=
)^^.)^& df ePsf] ._
#_ yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ug]{ ;DaGwL lg0f{o aflif{s ;fwf/0f;efaf6 kfl/t ePsf] M o; a}+ssf] ldlt @)&#÷)(÷@$ ut] ;DkGg @!cf}+ aflif{s ;fwf/0f ;efsf] lg0f{o tyf ldlt @)&$÷)@÷!( ut] a;]sf] ##^ cf}+ ;+rfns ;ldltsf] lg0f{o
cg';f/ ?=!))÷– c+lst b/sf] !,!$,!%,!^# lsQf ;fwf/0f z]o/x? lk|ldod d"Nodf ;j{;fwf/0fx?df yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ dfkm{t lgisfzg tyf laqmL ug]{ ;j{;Ddltaf6 lg0f{o ePsf] .
$_ c+lst d"No eGbf a9L d"No tf]sL lgisfzg ug]{ ePsf]n] d'No lgwf{/0f ug]{ lalw / ;f]sf] cf}lrTo k'li6 ug]{ cfwf/ pNn]v ePsf] M
o; ljj/0fkq dfkm{t\ yk ;fj{hlgs lgisfzg ;j{;fwf/0fdf laqmL ul/g] ;fwf/0f z]o/sf] d"Nof°g ;DaGwL sfo{ ug{sfnflu a}+saf6
lgo'Qm rf6{8 PsfpG6]G6 cf/s]P; P08 P;f]l;P6;\åf/f lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ df tf]lsPsf] ljlwåf/f d"Nof°gu/L d"No lgwf{/0f ul/Psf] xf] . o:tf] d"No lgwf{/0fdf k|of]u ePsf] k|If]lkt ljQLo ljj/0fnfO{ a}+ssf] n]vf kl/Ifs >L l6=cf/= pkfWof P08
sDkgLaf6 k|dfl0ft ul/Psf] 5 . d"No lgwf{/0fsf] cf}lrTosf ;DaGwdf pQm lj1af6 d"No lgwf{/0f ubf{ lgDg k|lqmofx? ckgfO{Psf] .s_ k"FhLs[t ePsf] cfDbfgL Capitalized Earning Method åf/f d"Nof°g ubf{ z]o/sf] d"No ?= !$@÷^@ x'g cfPsf] .
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 58
v_ Discounted Cash Flow Method åf/f d"Nof°g ubf{ z]o/sf] d"No ?=!))%÷@# x'g cfPsf] .u_ ldlt @)!*÷)%÷@$ sf lbgdf Ps ;o c;L lbgsf] cf};t ahf/ d"No4f/f d"Nof°g ubf{ z]o/sf] d"No ?= $%*÷^* x'gcfPsf] .
pk/f]Qm adf]lhd u0fgf u/L x'g cfPsf] s'n d"Nosf] cf}ift d"No u0fgf ubf{ ?=%#%÷%! x'g cfPsf] .
To;}u/L lgisfzg sDkgLsf] kl5Nnf] n]vf k/LIf0f ePsf] ljQLo ljj/0f cg';f/sf] k|lt z]o/ g]6jy{sf] rf/ u'0ffn] x'g cfpg] d"No
?= ^^!÷%^ x'g cfPsf] .
lwtf]kq lgisfzg tyf afF8kmfF6 lgb]{lzsf, @)&$ sf] lgod #& adf]lhd kl5Nnf] tLg aif{sf] k"FhLs[t ePsf] cfDbfgL (Capitalized Earnings),eljiodf k|fKt x'g] gub k|jfxsf] jt{dfg d"No (Discounted Cash Flow) / ldlt @)!*÷)%÷@$ sf lbgdf Ps ;o c;L lbgsf] cf};t ahf/ d"No u0fgf u/L k||fKt x'g] s"n d"Nosf] cf};t d"No u0fgf ubf{ z]o/sf] d"No ?=%#%÷%! x'g cfPsf] / sDkgLsf]
kl5Nnf] n]vfk/LIf0f ePsf] ljQLo ljj/0f cg';f/sf] k|lt z]o/ g]6jy{sf] rf/ u'0ffn] x'g cfpg] d"No ?= ^^!÷%^ ePsf] x'Fbf
pk/f]Qm u0fgfsf cfwf/dWo] klxnf] cf}ift tl/sfaf6 k|fKt cf}ift lk|ldod d"No sd x'g cfPsf]n] k|lt z]o/ ?= %#%÷%! df yk
;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ug{ ;lsg] l;kmfl/z e} cfPsf]df o; sDkgLsf] ;+rfns ;ldltsf] ldlt @)&%÷)@÷)( df
a;]sf] a}7saf6 c+lst d"No ?= !))÷– df lk|ldod d"No ?= @##÷– yk u/L k|lt z]o/ ?= ###÷– df yk ;fj{hlgs lgisfzg -kmb{/
klJns O:o"_ ug]{ u/L g]kfn lwtf]kq af]8{df :jLs[ltsf] nflu k]z ug{ a}+ssf k|d'v sfo{sf/L clws[tnfO{ clVtof/L lbg] lg0f{o ePsf] .o; ;fj{hlgs lgisfzgsf] d"No lgwf{/0f ljlwaf6 d"No u0fgf ubf{ ckfgfO{Psf k|d'v ;'rsx¿ / ltgsf cfwf/ lgDg adf]lhd 5g\ M o; ;fj{hlgs lgisfzgsf] d"No lgwf{/0f ljlwaf6 d"No u0fgf ubf{ ckfgfO{Psf k|d'v ;'rsx¿ / ltgsf cfwf/ lgDg adf]lhd 5g\ M
s_ Perpetual Growth Rate: ut cfly{s jif{df cfwf/e"t d"Nodf s'n ufx{:y pTkfbgdf ePsf] j[l4sf] cfwf/df % k|ltzt -sensitized_ sfod x'g cfPsf] .v_ Discount Rate: Capital Asset Pricing Model (CAPM) sf] ljlwaf6 u0fgf ubf{ !# k|ltzt -sensitized_ sfod ePsf] h; cGt{ut (Rf) Risk free rate of return -%=))∞_, b (beta) -!=!@*)_ / Rm (Market Rate of Return) -!!=$%∞_ qmdzM g]kfn
;/sf/sf] ljsf; C0fkqsf] cf}ift k|ltkmn, ;du| afhf/ ;'rsf] co-variance/ ;du| afhf/sf] compounded annual growth sf] cfwf/df sfod x'g cfPsf] .
$_ P]gsf] bkmf #) adf]lhd ljj/0fkq k|sflzt u/]sf] M$_ P]gsf] bkmf #) adf]lhd ljj/0fkq k|sflzt u/]sf] Myk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ug{sf] nflu lwtf]kq ;DjGwL P]g, @)^# sf] bkmf #) adf]lhd ljj/0f g]kfn lwtf]kq af]8{af6 :jLs[t u/fO{ k|sflzt ul/Psf] .
%_ sDkgL /lhi6«f/sf] sfof{noaf6 lk|ldod d"Nodf z]o/ lgisfzg ug{ :jLs[lt k|bfg ul/Psf] ldlt tyf d'No ;DaGwL ljj/0fM%_ sDkgL /lhi6«f/sf] sfof{noaf6 lk|ldod d"Nodf z]o/ lgisfzg ug{ :jLs[lt k|bfg ul/Psf] ldlt tyf d'No ;DaGwL ljj/0fMo; a}+ssf] c+lst d"No ?=!))÷– sf] z]o/df ?=@##÷– yk u/L ?=###÷– b/sf lk|ldod d'Nosf] z]o/ hf/L ug{ g]kfn lwtf]kq af]8{sf] zt{ kfngf ug]{ u/L ldlt @)&$÷!!÷!$ sf] lg0f{ofg';f/ sDkgL P]g, @)^# sf] bkmf @( adf]lhd :jLs[tL k|bfg ul/Psf] .
^_ o; a}+ssf] lwtf]kqsf] ;fj{hlgs lgisf;g ePsf] tLg aif{ k'/f eO{ ;s]sf] 5 . ;fy}, a}sn] lwtf]kq btf{ tyf lgisfzg lgodfjnL ^_ o; a}+ssf] lwtf]kqsf] ;fj{hlgs lgisf;g ePsf] tLg aif{ k'/f eO{ ;s]sf] 5 . ;fy}, a}sn] lwtf]kq btf{ tyf lgisfzg lgodfjnL
@)&# sf] bkmf !$ adf]lhdsf] ;Dk"0f{ zt{x? kfngf u/]sf] 5 .@)&# sf] bkmf !$ adf]lhdsf] ;Dk"0f{ zt{x? kfngf u/]sf] 5 .
8_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M8_ ljj/0fkq tof/ ug]{ JolQmsf] gfd, y/, z}lIfs of]Uotf / cg'ejsf] ljj/0f M
o; ljj/0fkq tof/ kfg]{ Jofj;flos ;+:yfdf lgisfzg tyf laqmL k|aGws >L gful/s nufgL sf]if, gofF afg]Zj/, sf7df8f}+ /x]sf] 5 .
9_ ;sf/fTds kIfx? M9_ ;sf/fTds kIfx? M
a}+lsË tyf ljQLo If]qdf cg'ejL tyf bIf Joj:yfksx?åf/f ;+rflnt .
cfly{s / k|ltikwL{ a}+lsË Joj;fo ;'xfpFbf] /0fgLlt cjnDjg u/L Joj;fo lj:tf/ ug{ ;kmn /x]sf] .
0f_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M0f_ z]o/ /lhi6«f/ ;DaGwL Joj:yf M
z]o/ /lhi6«f/ ;DaGwL ;Dk"0f{ sfo{ PgPdla Soflk6n lnld6]8, gfukf]v/L, sf7df8f}+n] ug]{5 .
t_ lwtf]kq laqmL v'Nnf cjlw M t_ lwtf]kq laqmL v'Nnf cjlw M
o; ljj/0fkqåf/f yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ dfkm{t\ ;j{;fwf/0fx?df hf/L ul/g] z]o/x?sf] nflu cfj]bg lbg]
cjlw laqmL v'Nnf ePsf] ldltaf6 sDtLdf $ lbg / al9df #) lbg;Dd v'Nnf /xg]5 .
@#= o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f]df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{ ?kdf lhDd]jf/ @#= o; ljj/0fkqdf k|sflzt tYo tyf ljj/0fx? 7Ls b'?:t 5g, ;f]df s'g} km/s k/]df xfdL ;+rfnsx? k"0f{ ?kdf lhDd]jf/
x'g]5f}+ egL ;xL 5fk ug]{ ;+rfns tyf lj1x?sf] gfd tyf b:tvt . x'g]5f}+ egL ;xL 5fk ug]{ ;+rfns tyf lj1x?sf] gfd tyf b:tvt .
l;=g+=l;=g+= ;+rfnsx?sf] gfd;+rfnsx?sf] gfd kbkb b:tvtb:tvt
!>L kjg s'df/ uf]Nof0f
-;+:yfks ;d'x_cWoIf
@=MR. NICO KLAAS GERARDUS PIJL÷lghsf] j}slNks ;+rfns >L gGb lszf]/ /f7L
-PkmPdcf], g]b/Nof08\;sf]] tkm{af6 – ;+:yfks ;d'x_
;+rfns
#=>L /fh]Gb| sfkm\n]
-sd{rf/L ;+ro sf]ifsf] tkm{af6 – ;+:yfks ;d'x_;+rfns
$>L dgf]h s'df/ uf]on-;+:yfks ;d'x_
;+rfns
%>L xl/ZrGb| ;'j]bL-;a{;fwf/0f ;d'x_
;+rfns
^>L xl/ afa' Gof}kfg]-;a{;fwf/0f ;d'x_
;+rfns
& >L k|bLk /fh kf08] :jtGq ;+rfns
yk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkqyk ;fj{hlgs lgisfzg -kmb{/ klJns O:o"_ ;DjGwL ljj/0fkq 60
@$ lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|ltj4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt M @$ lgisfzg tyf laqmL k|aGwsn] k|:t't u/]sf] k|ltj4tf kq -8\o' 8]lnh]G;\ ;l6{lkms]6_ sf] k|lt M
@% ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M @% ljj/0fkq, ljQLo ljj/0f tyf cGo s'g} s'/fdf lj1n] /fo lbPsf] eP ;f] ;DaGwL kq M
