Plzog nfO{km OG:of ]/]G; sDkgL lnld6 ]8 - Asian Life Report Aa... · Plzog nfO{km OG:of ]/]G; sDkgL lnld6 ]8 o; Plzog nfO{km OG:of ]/]G; ... Life Insurance Company Plzog nfO{km OG:of

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LifeInsuranceCompany

Plzog nfO{km OG:of]/]G; sDkgL lnld6]8

o; Plzog nfO{km OG:of]/]G; sDkgL ln= sf] ldlt @)^(÷(÷( -tbg';f/ l8;]Da/ @$, @)!@_ ut] a;]sf];+rfns ;ldltsf] ^# cf}+ a}7ssf] lg0f{ofg';f/ kfFrf}+ jflif{s ;fwf/0f ;ef lgDg ldlt, :yfg / ;dodf lgDg ljifox?pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'+bf ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu cg'/f]w ub{5' .

s_ ;fwf/0f k|:tfj M

!= cfly{s jif{ @)^*÷^( sf] ;+rfns ;ldltsf] k|ltj]bg 5nkmn / kf/Lt ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxt cf=j= @)^*÷)^( cfiff9 #!, @)^( ;Ddsf] jf;nft, gfkmf÷gf]S;fg lx;fa, ;f]xL cjlwsf] gubk|jfxsf] ljj/0f -;+nUg cg'';"lrx? ;lxt_ kfl/t ug]{ .

#= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cfly{s jif{ )^(÷&) sf] nflu n]vfk/LIf0f ;ldltsf] l;kmf/L; adf]lhd n]vfk/LIfslgo"Qm ug]{ / lghsf] kfl/>dLs lgwf{/0f ug]{ -jt{dfg n]vfk/LIfs >L ;'hg s'df/ sfˆn], Pkml;P, >L ;'hg sfˆn] P08Pzf]l;P6\;, rf6{8{ PsfpG6]G6\; k"gM lgo'Qm x'g of]Uo x'g' x'G5 .

$= ;+rfns ;ldltaf6 af]g; z]o/sf] s/ k|of]hgfy{ k|:tfljt ?=@) nfv gub nfef+z kfl/t ug]{ .

v_ ljz]if k|:tfj

!= ;+rfns ;ldltn] l;kmfl/; u/] adf]lhd cf=j )^*÷)^( sf] d'gfkmfaf6 xfn sfod r'Qmf k"FhL ?=$%,&(,^!,*)). sf] *=@(&k|ltztn] x'g] ?=#,*),)),))).– a/fa/sf] af]g; z]o/ ljt/0f ug]{ k|:tfj kfl/t ug]{ tyf pQm cg'kftdf af]g; z]o/ hf/L ubf{x'g cfpg] bzdnj kl5sf] c+s (Fraction Share) z]o/nfO{ gk"u /sd ;DalGwt z]o/wgLaf6 k|fKt u/L Psdf kl/0ft ug]{ .

@= pk/f]Qm adf]lhd af]g; z]o/ hf/L kZrft x'g] r'Qmf k"FhLsf] % k|ltzt ;Dd xsk|b z]o/ hf/L ug]{ k|:tfj kfl/t ug]{ . xsk|bz]o/ hf/L ubf{ x'g cfpg] bzdnj kl5sf] c+s (Fraction Share) z]o/nfO{ gk'u /sd ;DalGwt z]o/wgLaf6 k|fKt u/LPsdf kl/0ft ug]{ / ;f] ubf{ ;fljss} z]o/ :jfldTj -k"FhL k|ltzt_ sfod /fVg] u/L hf/L tyf r'Qmf k"FhL ;+zf]wg u/L k]z ul/g] .

#= sDkgLsf] xfn sfod clws[t, hf/L tyf r'Qmf k"FhL j[l4 ug]{]{ k|:tfj kfl/t ug]{ .

$= o; Plzog nfO{km OG:of]/]G; sDkgL ln= tyf cGo s'g} pko'Qm hLjg aLdf sDkgL Ps cfk;df dh{ -ufEg]÷ufleg]_ x'g] ;Gbe{df;dembf/Lkq -Memorandum of Understanding, MOU_ th{'df ug]{, cGo k|lqmof k"/f u/L ;f]df x:tfIf/ ug]{, ;Dk"0f{ rn crn;DktL -Assets_ / bfloTj -Liabilities_ d"Nof+sg -Due Diligence Audit_ ug{ d"Nof+sgstf{ n]vfkl/Ifs lgo'Qm ug]{ / lghsf]kfl/>lds tf]Sg] nufot dh{{ -ufEg]÷ufleg]_ x'g cfjZos ;Dk"0f{ k|lqmof cjnDag u/L Ps cfk;df dh{{ -ufEg]÷ufleg]_ ug{;+rfns ;ldltnfO{ ;Dk"0f{ clVtof/L k|bfg ug]{ .

%= sDkgLsf] k|aGwkq / lgodfjnLdf cfjZos ;+zf]wg ug]{ . pQm ;+zf]wgdf lgodgsf/L lgsfon] s'g} x]/km]/ jf ;+zf]wg ug{lgb]{zg lbPdf ;f] adf]lhd cfjZos ;dfof]hg ug{ sDkgLsf] ;+rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .

u_ ljljw

5nkmnsf] ljifo;"lr -Ph]08f_M

;+rfns ;ldltsf] cf1fn]

sDkgL ;lrj

kf“rf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

ldlt M @)^(÷!)÷@) zlgjf/-tb\g';f/ k]ma|'c/L @, @)!#_

:yfg M xf]6n leZjf, jL/u+h;do M !!M)) ah]

;ef x'g] ldlt, :yfg / ;doM

2



;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/Lx¿

!= sDkgLsf] z]o/ bfv]n vf/]h olx ldlt )^(÷!)÷)^ b]lv )^(÷!)÷@) ut] ;Dd aGb /xg]5 . z]o/ bflvnvf/]h aGb ul/Psf] ldlt eGbf cufj} cyf{t )^(÷!)÷)% ut] k'/f lbg;Dd g]kfn :6s PS:r]Gh ln= dfsf/f]jf/ eO{ ;f] sf] & sfo{ lbg leq bflvn vf/]hsf] nflu z]o/ /lhi6«f/ l;len Soflk6n dfs]{6 ln= sdnfbLdfk|fKt ljj/0fsf] cfwf/df gfd;f/Lsf] /]s8{ sfod u/fOg] 5 .

@= ;efdf efu lng OR5's z]o/wgL dxfg'efjx?n] k|j]z kqsf ;fy z]o/ k|df0f–kq / cfˆgf] kl/ro v'Ng] k|df0f-gful/stf jf cGo s'g} kl/rokq_ clgjfo{ ?kdf ;fydf lnO{ cfpg cg'/f]w ub{5f}+ .

#= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk"0f{ z]o/sf] k|ltlglw Pp6} JolQm -ljefhg gx'g] u/L_ x'g]u/L k|ltlglw–kq -k|f]S;L kmf/d_ e/L sDkgLsf] k|wfg sfof{nodf ;ef z'? x'g'eGbf $* 306f cufl8 btf{ u/L;Sg' kg]{5 .

$= Ps} z]o/wgLn] PseGbf al9 k|ltlglw -k|f]S;L_ lgo'Qm ug'{ ePsf] cj:yfdf klxnf] btf{ x'g] k|f]S;L dfGo x'g]5 .To;kl5 cfpg] k|f]S;L :jtM ab/ jf cdfGo x'g]5 .

%= ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgL :jo+ ;efdf pkl:yt x'g rfx]df z]o/wgLn] ;ef z'? x'g'eGbf $* 306f cuf8L ;f] Joxf]/fsf] lnlvt kq k|wfg sfof{no d}tLb]jLdf btf{ ug{' kg]{5 .

^= gfjfns jf ljlIfKt z]o/wgLsf] tkm{af6 o; sDkgLsf] z]o/ nut lstfjdf ;+/Ifssf] ?kdf gfd btf{ ePsf]JolQmn] ;efdf efu lng jf k|ltgLlw tf]Sg ;Sg' x'g]5 . t/ ;+/Ifs cfkm}+ ;+rfnsdf pDd]bjf/ x'g / cfk"m;+/Ifs /x]sf] z]o/jfnfsf] afx]s cGo z]o/jfnfsf] k|ltlglwTj ug{ jf k|f]S;L ;+sng ug{ kfpg] 5}g .

&= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf laxfg !)M#) ah] v'Nnf /xg] 5 . ;efdf efu lng]z]o/wgLn] ;ef sIfdf cfkm}+ pkl:yt eO{ b:tvt ug'{ kg]{5 .

*= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf cflwsf/Ls k|ltlglwn] z]o/jfnfsf] x}l;otn] ;efdf efulng ;Sg' x'g]5 . k|f]S;Lsf] xsdf klg ;f]xL Joj:yf nfu' x'g]5 .

(= ljljw zLif{s cGtu{t z]o/wgL dxfg'efjx?nfO{ 5nkmn ug'{kg]{ ePdf ;ef x'g'eGbf & -;ft_ lbg cufj} lnlvt?kdf cWoIfnfO{ ;Daf]wg u/L k|wfg sfof{no d}ltb]jL sf7df8f}+df btf{ ug'{kg]{ 5 . t/ ;f] ljifo 5nkmn /kfl/t x'g] k|:tfjsf] ?kdf ;dfj]z ul/g] 5}g .

!)= z]o/wgL dxfg'efjx?nfO{ z]o/wgLsf] btf{ lstfadf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg] 5 .s'g} sf/0fjz pQm k'l:tsf gkfpg' ePdf sDkgLsf] k|wfg sfof{no Plzog nfO{km ejg d}ltb]jL sf7df08f}+ tyfclw/fHo e/L /x]sf @) j6f zfvf sfof{nox?af6 k|fKt ug{ ;lsg] 5 . ;fy} ;efsf] ;"rgf / ljQLo ljj/0fsDkgLsf] j]e–;fO{6 www.asianlife.com.np df klg /flvPsf] 5 .

!!= cGo hfgsf/Lsf] nflu sDkgLsf] k|wfg sfof{no Plzog nfO{km ejg sf7df08f}df ;Dks{ /fVg' x'g cg'/f]w 5 .

3


>L ;~rfns ;ldlt

Plzog nfO{km OG:of]/]G; sDkgL lnld6]8k|wfg sfof{no—Plzog nfOkm ejg, d}ltb]jL, sf7df8f}+, g]kfn .

dxfzo,

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

d÷xfdL=================================================n] To; sDkgLsf] z]o/wgLsf] x}l;otn] @)^( ;fn df3 @) ut] zlgaf/sf lbg x'g]

sDkgLsf] kfFrf}+ jflif{s ;fwf/0f;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf

dtbfg ug{sf] nflu ========================= lhNnf ===========================g=kf=÷uf=lj=; ============================j8f g+==============a:g]

To; sDkgLsf z]o/jfnf >L ========================================================================================== nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt

u/L k7fPsf] 5'÷5f}+ .

k|f]S;L lbg]n] eg]{

b:tvtM

gfdM

kl/ro g+=

z]o/ k|df0fkq g+=M

z]o/ ;+VofM

ldltM

z]o/wgLsf] gfdM======================================================================z]o/ k|df0fkqdf pNn]lvt kl/ro g+======================

z]o/ ;+Vof===========================ldlt @)^( ;fn df3 @) ut] zlgaf/ x'g] Plzog nfO{km OG:of]/]G; sDkgL lnld6]8 sf]

kfFrf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]zkq .

b|i6JoM

!= z]o/wgL cfkm}+n] vfnL sf]i7x? eg'{ xf]nf .

@= ;ef sIfdf k|j]z ug{ of] k|j]z kq k|:t't ug'{ clgjfo{ 5 .

=================================

z]o/wgLsf] b:tvt

=================================

sDkgL ;lrj

k|f]S;L kmf/fd

k|j]z kq



4


5


cfb/l0fo z]o/wlg dxfg'efjx?,

Plzog nfO{km OG:of]/]G; sDkgL lnld6]8sf] cfh ;DkGg x'g uO/x]sf] kfFrf} jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{

z]o/wgL dxfg'efjx? Pj+ cfdlGqt cltly dxfg'efjx?nfO{ ;+rfns ;ldlt / d cfˆgf] tk{maf6 xflb{s :jfut clejfbg ub{5' .

sDkgLsf] cfly{s jif{ @)^*÷^(df ;DkGg ePsf] sf/f]jf/sf] ;ldIff u/L efjL sfo{qmd th'{df ug{ oxfFx?n] dfu{bz{g

u/fpg' x'g]5 eGg] s'/fdf ljZj:t x'Fb} kfFrf} jflif{s k|ltj]bg tyf cf=j=@)^*÷^( sf] jf;nft, gfkmf gf]S;fg lx;fa, gub

k|jfx ljj/0f / ;DalGwt cg';"lrx? cfhsf] ;efdf cfjZos 5nkmn eO{ kfl/t x'g]5 elg cfzf lnPsf] 5' .

z]o/wgL dxfg'efjx?,ljZj JofkL cfly{s dGbL tyf b]zdf ljBdfg t/n /fhgLlt, Joj:yfkg–>lds ljjfb, nf]8;]l8Ë, aGb x8tfn cflb

h:tf sf/0fn] ljutdf em} o; jif{ klg b]zn] cfly{s ultljlwdf ;sf/fTds df]8 lng g;s]sf] cj:yf tyf sDkgLn] a]xf]g'{

k/]sf] c;xh kl/l:yltsf] afjh'b sDkgLn] o; cf=j=df klg /fd|f] sf/f]jf/ u/]sf] sf/0f sDkgLn] :yfkgfsf] 5f]6f] cjlw d}

aLdf If]qdf cfk\mgf] 5'§} klxrfg :yfkgf ug{ ;kmn ePsf] 5 .

sDkgLn] @)^( c;f]h d;fGt ;Dddf hLjg aLdfsf]ifdf ?=@ ca{ #* s/f]8 ^^ nfv hDdf ug{ ;kmn ePsf] 5 eg]

rfn' cf=j= sf] kf}if d;fGt ;Dd ^ dlxgfsf] cjlwdf s"n ?= %@ s/f]8 #@ nfv $) xhf/ aLdfz'Ns cfh{g u/L;s]sf]

5 . ;fy} ljutdf sDkgLsf] ;DklQ tyf bfloTjsf] ljdfÍLo d"NofÍg #.# jif{df ug]{ u/]sf]df xfn aLdf ;ldltsf] kl5Nnf]

lgb]{zg adf]lhd ljdfÍLo d"NofÍg k|To]s jif{ ug{ ;lsg] k|fjwfg ePaf6 ca pk|fGt aLdf sDkgLx?n] klg k|To]s jif{ aLdfÍLo

d"NofÍg u/fO{ aLdfn]vdf k|bfg ul/g] af]g; b/ sfod u/fpg ;lsg] ePsf] sf/0f o; sDkgLn] klg cf=j= @)^&÷^* /

@)^*÷^(sf] aLdfÍLo d"NofÍgsf] nflu k|lqmof cl3 a9fO{ ;lsPsf] Aoxf]/f oxfFx? ;dIf cjut u/fpg rfxG5' .

sDkgLn] cf=j=@)^*÷^( sf] :jLs[t ljQLo ljj/0f cg';f/ z]o/wgLx?nfO{ af]g; z]o/ jfkt *=@(Ü n] ?= # s/f]8

*) nfv tyf ;f] sf] s/ k|of]hgfy{ ?=@) nfv ljt/0f ug{ k|:tfj /flvPsf] 5 h'g cfhsf] ;efaf6 kfl/t x'g] g} 5 eg] k"0f{

ljZjf; lnPsf] 5' . ;fy} >L aLdf ;ldltsf] lgb]{zg adf]lhd hLjg aLdf sDkgLx?n] @)&) ;fn cfiff9 d;fGt ;Dddf r'Qmf

k"FhL ?=%) s/f]8 k'¥ofpg' kg]{ jfWofTds lgb]{zg eP adf]lhd ;f] sf] nflu af]g; z]o/ ljt/0f kZrft %Ü n] xsk|b z]o/

;d]t hf/L ug]{ k|:tfj /flvPsf] 5, cfzf 5 oxfFx?n] pQm k|:tfjdf ;dy{g hgfpg' x'g]5 .

af]g; z]o/ kl5 hf/L x'g] xsk|b z]o/ kZrft sDkgLsf] r'Qmf k"FhL ?=%@ s/f]8 @& nfv %* xhf/ Ps ;o k'Ug]

5 h'g ;Dejt b]zdf ljBdfg aLdf sDkgLx?df ;a}eGbf a9L r'Qmf k"FhL ePsf] sDkgLsf] ?kdf o; Plzog nfO{km OG:of]/]G;

sDkgL x'g]5 .

z]o/wgL dxfg'efjx?,g]kfnsf] kl/k|]Iodf aLdf Joj;fo afd] ;b}{ u/]sf] cj:yfdf /x] tfklg o;sf] ;DefJotf lgs} g} a9L /x]sf]5 . s]xL

;do cl3 u/]sf] Ps cWoog cg';f/ g]kfndf xfn @* b]lv #) k|ltzt ;j{;fwf/0f aLdf ug{ of]Uo ePsf]df ;f] sf] sl/a

& k|ltzt ;j{;fwf/0fn] dfq aLdf u/fPsf 5g\ . h;sf] cy{ xf] cem} (# k|ltzt ;Dd aLdf ;]jf k'Ug afFsL 5 . t;y{ sDkgLn]

hLjg aLdfsf] kx'Fr b]zsf] s'gfsfKrf ;Dd km}nfpg hLjg aLdf sDkgLsf] ;+jfxssf] ?kdf /x]sf clestf{x?sf] dxTjk"0f{

e"ldsfnfO{ dWogh/ ub}{ jxfFx?nfO{ pTk|]l/t u/L sfo{z}nLdf k|efjsfl/tf Nofpg cem u'0f:tl/o clestf{ tflnd / clestf{

k'gtf{huL tflnd ;+rfng ub}{ nlug] gLlt lnOPsf] 5 . xfn k|lt:kwf{Tds ahf/df cfkm\gf] cfqmfds ahf/ gLlt cg'?k aLdfn]v


kfFrf}+ jflif{s ;fwf/0f ;efdf;+rfns ;ldltsf] tkm{af6 k|:t't\

cWoIfHo"sf] dGtJo

cf=j= @)^*÷@)^(

6


laqmLsf] ;+VofTds eGbf u'0ffTds a[l4sf] gLlt cjnDag ul/Psf] 5 . sDkgLn] sf/f]jf/ a[l4sf] ;fy ;fy} aLldlt tyf

u|fxsnfO{ u'0ffTds ;]jf k|bfg ug{ tyf To:t} ul/ sDkgLn] k|To]s jif{ gofF–gofF aLdf of]hgf cg'?k xfn ;fn} k]G;g aLdf

of]hgf ahf/df NofO;s]sf]5 eg] eljiodf ;+o'Qm ;fjlws -Joint Life_ / ;Lldt e'QmfgL ;fjlws -Single Premium_ h:tf

aLdf of]hgf Nofpg] tof/Ldf /x]sf] 5 .

sDkgLn] hLjg aLdfsf] Joj;fo j[l4 ug]{ ;Gbe{df aLdfn]v hf/L ug]{ sfd dfq gu/L aLldtx?sf] ;]jf / ;'/lIft

eljiosf] nflu bfjL e'QmfgLnfO{ ;d]t k|fyldstf lbg] gLlt lnPsf] 5 .

cfk\mgf aLldtx?nfO{ l56f] 5l/tf] ;]jf k|bfg ug]{ p4]Zon] sDkgLn] cfw'lgs ;"rgf k|ljlwsf] k|of]u u/]sf] 5 h;af6

aLldtx? sDkgLsf h'g;'s} zfvfaf6 aLdf z'Ns a'emfpg ;Sg' x'g]5 . xfn sDkgLn]] b]zsf] k"j{ d]rL b]lv dxfsfnL ;Dd u/L @)

zfvf / ^^ pkzfvfx? dfk{mt aLldtx?nfO{ ;]jf k|bfg ub}{ cfO/x]sf] 5 .

sDkgLsf] bL3{sflng ljsf; tyf ;kmntfsf] nflu s'zn Joj:yfkg ckl/xfo{ /xG5 . a9\bf] k|lt:kwf{Tds jftfj/0fdf

sDkgLsf] cu|tf sfod /fVgsf] lgldQ lg/Gt/ ?kdf sd{rf/Lsf] ;Lk clej[l4 ug{ / pgLx?sf] dgf]jn pRr /fVg d2t

k'¥ofpg] vfnsf cfGtl/s / afXo tflnd tyf sfo{qmd h'6fpg sDkgL k|oTglzn /x]sf] 5 . bIf tyf pTs[i6 / st{Jolgi6

sd{rf/Lsf] plrt d"NofÍg tyf sb/ ug]{ Joj:yfnfO{ cem kl/dflh{t ub}}{ nlug] 5 .

xfd|f z]o/wgLx?af6 k|fKt c6'6 ;dy{g / xf};nfn] sDkgLsf] sfo{ ;Dkfbg cem a9fpg / k|ult tkm{ pGd'v x'g

xfdLnfO{ cl;d k|]/0ff ldn]sf] 5 ;fy} tkfO{x?sf] lg/Gt/ ;xof]uaf6 cfpFbf jif{x?df sDkgLn] cem a9L ;kmntf k|fKt ug]{

s'/fdf xfdL lj:j:t 5f}+ .

o; sDkgLsf] k|ultdf of]ubfg k'¥ofpg' ePsf k"j{ ;+rfns ;ldltsf ;b:oHo"x? nufot pRr Joj:yfksx?nfO{

xflb{s wGojfb 1fkg ub{5' .

cGtdf sDkgLn] cfˆgf] :yfkgfsfnsf] % jif{ leq aLdfn]v laqmL, clestf{ tflnd, zfvf tyf pkzfvf sfof{no

lj:tf/ tyf Joj;fo clej[l4sf] nflu ;lqmo e"ldsf v]Ng' ePsf]df Joj:yfkg ;d"xsf ;Dk"0f{ sd{rf/L ju{ tyf clestf{x?nfO{

awfO{ tyf z'esfdgf lbg rfxG5' . ;fy} xfdLnfO{ lg/Gt/ ?kdf cd"No dfu{ lgb]{zg / k/fdz{ lbO{ ;xof]u k'¥ofpFb} cfPsf

g]kfn ;/sf/, >L aLdf ;ldlt, sDkgL /lhi6«f/sf] sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s PS:r]Gh ln= nufot sDkgLsf]

k|utLdf k|ToIf ck|TIf ?kn] ;xof]u ug'{ x'g] ;Dk"0f{ z'elrGtsx?nfO{ xflb{s wGojfb lbg rfxG5' . ;fy} sDkgLsf] ultljlwnfO{

;sf/fTds ?kdf hg ;dIf k'¥ofO{ lbg] ;~rf/ hutdf ;d]t d xflb{s cfef/ JoQm ub{5' .

o;} u/L xfd|f u|fxs dxfg'efjx?n] lg/Gt/ ?kdf xfdLk|lt b]vfpFb} cfpg' ePsf] cfTdLotf, Gofgf] dfof / ljZjf;

k|lt cfef/ k|s6 ub{5' . jFxfx? lagf xfdL g]kfnsf] Ps k|lt:kwL{ aLdf sDkgL aGg ;Sg] lyPgf}+ . xfdL jxfFx?nfO{ ;+:yfut

;'zf;g tyf kf/blz{tf sfod ub}{ pRr :t/Lo / e/kbf]{ ;]jfsf] dfWodåf/f jxfFx?;Fu bL3{sflng kf/:kl/s kmfObfsf] ;DaGw

lj:tf/ ug{ k|ltj4 5f} eGg] s'/fsf] ljZjf; lbnfpFb5f}+ . wGojfb Û

ldlt M @)^(÷!)÷@)ljho s'df/ ;/fjuL

cWoIf

7



sDkgL P]g @)^# sf] bkmf !)( -$_ cg';f/ sDkgLn] cf=a= )^*÷^( sf] cjlwdf u/]sf] sf/f]jf/, k|fKt pknAwLx?,

cj;/ / r'gf}tLx? ;Gbe{df ;+rfns ;ldltsf] tkm{af6 k|ltj]bg tof/ u/L kfFrf}+ jflif{s ;fwf/0f ;efsf] cj;/ kf/]/ tkfO{+

z]o/wgL dxfg'efjx? ;dIf k|:t't ul/Psf] 5 .

!= cf=j= @)^*÷)^( sf] sf/f]jf/sf] l;xf+jnf]sg M–

sDkgLsf] cf=j= @)^*÷)^( ljleGg sf/0fn] r'gf}lt k"0f{ / k|lts'n /xFbf/xFb} klg aLldtx?sf] ljZjf;, ;+k"0f{ z]o/wlg

tyf z'e]R5's dxfg'efjx?sf] ;xfg'e'lt Pj+ ;xof]u, sd{rf/L tyf Joj:yfkgsf] OdfGbf/Ltf, nug tyf d]xg]t sf sf/0f o;

cfly{s jif{df lgDgfg';f/sf] sf/f]jf/ ug{ sDkgL ;kmn ePsf] 5 .

s_ sf/f]jf/ ljj/0fM

v_ sDkgLsf] Joj;flos ;~hfn M

sDkgLn] xfn ;Dd d'n'ssf k|d'v @) :yfgx? sf7df8f}, a'6jn, ljtf{df]8, gf/fo0fu9, lj/f6gu/, ;'v]{t, ag]kf, bfË,dx]G›gu/, bds, lbkfon, w/fg, jL/u+h, hgsk'/, g]kfnu+h, nxfg, kf]v/f, wgu9L, g'jfsf]6 / x]6f}8fdf zfvf sfof{nolj:tf/ ub}{ b]zsf] b'/ b/fh;Dd aLdf ;]jf k'¥ofpg] p2]Zon] b]zsf] k"j{ d]rL b]lv klZrd dxfsfnL ;Ddsf ^^ j6flhNnfdf ^^ :yfgdf g} pkzfvf sfof{no :yfkgf u/L b]z e/ hDdf *^ :yfg af6 aLdf ;]jf k|bfg ug]{] Aoj:yf u/]sf]5 .

u_ clestf{ tflnd

cf=j= )^*.)^( sf] cjlwdf hLjg aLdf ;]jfsf] kx'Fr a9fpg sDkgLn] k"j{ d]rL b]lv klZrd dxfsfnL ;Dd &% lhNnfdf@@! j6f clestf{ cfwf/e"t hLjg aLdf tflnd ;DkGg ul/Psf] 5 . pQm cjlw;Dddf o; sDkgLn] ^(!# hgfclestf{nfO{ tflnd k|bfg u/]sf] 5 .

3_ hgzlQm Aoj:yfkg

sDkgLn] o; cfly{s jif{ )^*÷)^( ;Dddf k|wfg sfof{no ;d]t @! j6f sfof{no / ^^ j6f pkzfvf sfof{nosf]Joj:yfkg u/]sf] 5 . pQm sfof{nox?df :yfoL ;]jf tkm{ clws[t $!, ;xfos tyf cGo !(& ul/ hDdf– @#* hgfsfo{/t 5g\ .

ª_ Joj:yfkg vr{

sDkgLn] o; cfly{s aif{ )^*÷)^( df ?=@),%$,%^,#$%.!* s"n Joj:yfkg vr{ u/]sf] 5 . cfly{s jif{ )^*÷)^( sf]s"n jLdf lk|ldod cfDbfgL ! cj{ # s/f]8 #^ nfv !) xhf/sf] t'ngfdf Joj:yfkg vr{ @) s/f]8 %$ nfvsf] lx;fjn]!(=*)Ü dfq /x]sf]] 5, h'g aLdf P]gdf tf]lsPsf] #)Ü sf] ;Ldf eGbf !)Ü eGbf a9Ln] Go"g /x]sf] 5 .

kfFrf} jflif{s ;fwf/0f ;efdf k|:t't ;+rfns ;ldltsf] k|ltj]bg

ljj/0f hLjg aLdf tk{m

aLdfn]v -;+Vof_

aLdfÍ

k|= aLdfz'Ns

glas/0f aLdfz'Ns

s"n aLdfz'Ns

45929

4,34,11,99,000

27,88,88,922.00

75,87,21,379.00

1,03,76,10,301.00

aLdfz'Ns

8


r_ sDkgLsf] aLdf of]hgfx?

sDkgLsf] cf=a= )^*÷^( ;Dddf Plzog ;fjlws hLjg aLdf, !@ jif]{, !% jif]{, !* jif]{ / @) jif]{ clu|d ;fjlws hLjgaLdf, ;'vL hLjg aLdf, afn pd+u hLjg aLdf, afn eljio hLjg aLdf / a}b]lzs DofbL hLjg aLdf ;d]t ( j6f aLdfof]hgfx? /x]sf] 5 . ;fy} sDkgLn] xfn} dfq æ;a}sf] xftdf k]G;gÆ eGg] gf/fsf] ;fy æPlzog k]G;g aLdf of]hgfÆ ahf/dfNofPsf] 5 . eljiodf cem cfsif{s aLdf of]hgfx? Nofpg] sDkgLsf] of]hgf /x]sf] 5 .

5_ bfjL e'QmfgL

cfly{s aif{ )^*÷^( leq sDkgLn] s"n $%(@( jLdfn]v laqmL u/]sf]df ;f] cjlw leq hLjg aLdf tkm{sf] bfjL e'QmfgL?=!,^%,#^,))).)) a}b]lzs DofbL hLjg aLdf tkm{ ?=@,&&,!&,)($ tyf ;dk{0f bfjL e"QmfgL ?=(@,)(,@#*.)) / cGobfjL e'QmfgL ?=^%,%,*&).)) ;d]t s"n ?=%,$!,!*,@)@.)) e'QmfgL ul/Psf]df k"gaL{ds sDkgLaf6 ?= !,*&,#%,)($.));f]w egf{ lkmtf{ eO{ sDkgLnfO{ hDdf ?=#,%#,*#,!)*.)) sf] bfjL e'QmfgLsf] bfloTj kg{ cfPsf] 5 .

h_ nufgL tyf hLjg aLdf sf]if

aLdf ;ldltsf] nufgL lgb]{lzsf cg';f/ cf=a= )^*÷)^( ;Dddf /fli6«o artkq, jfl0fHo a}+s / ljQLo ;+:yfsf] d'2tLtyf Jofh k|fKt x'g] cGo lgIf]kdf ;d]tdf ?=@,$^,*$,&(,$(@=^) nufgL ul/Psf] 5 . ;f] cjlwdf gub tyf a}+s df}Hbft?=#,%),$%,@(!=*# /x]sf] 5 . n]vfkl/If0fkl5 cfDbfgL vr{sf] ;dfof]hg kZrft\ ?=*$,^),)&,#*#=^$ hLjg aLdfsf]ifdf ;fl/Psf] 5 . sd{rf/L af]g; / pkbfg jfkt ?=$(,)),(*@=*( / a}b]lzs /f]huf/ DofbL aLdfdf /xg] c;dfKthf]lvd Aoj:yf jfkt ?=&!,)),))).)) 5'6\ofOPsf]5 .

@= /fli6«o, cGt/fli6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/df k/]sf] c;/

ljZjJofkL cfly{s dlGbsf] k|efjaf6 g]kfn klg c5'tf] /xg ;s]g . ;ldIff cjlwdf b]zdf zflGt ;'Joj:yf cg"s'n g}/x] tfklg aGb x8tfn, nf]8;]l8Ë, t]nsf] cefjsf] tyf sDkgLdf cfOk/]sf cGo ljljw sl7gfOsf sf/0f sDkgLsf]sf/f]jf/df k/]sf] k|lts'n c;/sf] afah'b klg o; cfly{s aif{df $%(@( ;fjlws hLjg aLdfn]v laqmL ug{ ;kmn eof] .hLjg aLdf If]qdf sfo{/t ( j6f sDkgLx? aLr ltj| k|lt:kwf{ >[hgf ePtf klg sDkgLn] @) zfvf / (% laqmL s]Gb|dfkm{t lg/Gt/ ?kdf &% j6} lhNnf ;d]6Lg] u/L tflnd u/]sf] sf/0f sDkgLn] ;Gtf]if hgs ;kmntf xfl;n ug{ ;kmnePsf] 5 .

#= s_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn'jif{sf] pknAwL

sDkgLn] k|ltj]bg tof/ k"j{sf] )^( kf}if ;Dddf @) j6f zfvf sfof{nox?sf] :yfkgf, ^^ j6f pkzfvf sfof{nosf];+rfng u/L cfly{s jif{ )^(÷)&) sf] ^ dlxg] cjlwdf s'n %@ s/f]8 #@ nfv $) xhf/ aLdfz'Ns ;+sng ul/;s]sf]5 .

v_ eljiodf ug{' kg]{ s'/f ;DaGwdf ;+rfns ;ldltsf] wf/0ff

cfufdL lbgdf sDkgLn] k|lt:kwf{Tds ahf/df u|fxs ju{sf] ;]jfnfO{ cem a9L r':t / u'0f:tl/o agfpFb} aLdf ;ldltn]hf/L u/]sf] cfGtl/s ;'zf;g lgb]{lzsfsf] dd{ cg'?k sDkgLnfO{ kf/bzL{, Joj;flos / cfly{s cg'zf;gdf k|lta¢ agfO{sDkgLsf ;a} z]o/wgL, laldt, sd{rf/L nufot ;Dk"0f{ ;Da¢ kIfx?nfO{ ;d"lrt ?kdf nfeflGjt x'g] kl/l:ylt lgdf{0ful/g]5 .

$_ sDkgLsf] cf}Bf]lus÷Aoj;foLs ;DaGw

sDkgLn] cfˆgf] sf/f]jf/ j[l4sf] nflu tyf b]zsf] &% lhNnfdf /x]sf] aLldtx?nfO{ cfˆgf] ;]jf la:tf/ ug]{ qmddf ;a}cf}Bf]lus Joj;foLx?;Fu ;f}xfb{ ;DaGw /fVb} cfPsf] 5 . ;fy} cfˆgf u|fxs, clestf{, a}+s, k"gjL{ds sDkgL tyf ;a}If]q;Fu ;DalGwt JolQmx?l;t ;'dw'/ ;DaGw sfod /x]sf] 5 .

%_ ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] ljj/0f

sDkgLsf] cfly{s aif{ )^&÷)^* sf] rf}yf] jflif{s ;fwf/0f ;efdf ;j{;fwf/0f z]o/wgL ;d"xsf] tkm{af6 ;+rfns;ldltdf k|ltlglwTj x'g] ;+rfns kb–! Dff >L /jL s'df/ u'Ktf lgjf{lrt x'g' ePsf] 5 . ;fy} ;+:yfks z]o/wgLx?dWo]af6 >L ljho s'df/ ;/fjuL cWoIf / cGo ;b:ox?df >L lbg]znfn >]i7, >L lbks s'df/ >]i7, >L Zofd ;'Gb/ ?+u6ftyf >L ;'zfGt rfrfg lgo'Qm x'g' ePsf] 5 .

9


^_ sf/f]jf/nfO{ c;/ kfg]{ d"Vo s'/fx?

b]zdf lbuf] zflGt gx'g' ck]Iffs[t cf}Bf]lus lasfz gx'g', d"No j[l4 x'Fb} hfg', aLdf lzIffsf] cefj, aLdf Joj;fodfc:j:y k|ltikwf{, ;Lldt nufgL If]q cflbsf] sf/0faf6 sDkgLsf] sf/f]jf/df k|lts"n c;/ kg{ ;Sg] ;+efjgf /xG5 .

&_ n]vfkl/If0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltlqmof

cf=a=)^*÷^( sf] n]vfkl/If0fsf] k|f/lDes k|ltj]bgdf pNn]lvt clwsf+z s}lkmotx? n]vfkl/If0f ;ldltsf] l;kmfl/;adf]lhd ;'wf/ ul/Psf] 5 .

*_ nfef+z af“8kmf“8 ug{ l;kmfl/; ul/Psf] /sd

;+rfns ;ldltsf] ^@ cf}+ a}7s af6 l;kmfl/; eP adf]lhd cfly{s jif{ )^*÷)^( sf] ljQLo ljj/0f >L aLdf ;ldltaf6:jLs[t eP cg';f/ z]o/wgLx?nfO{ r'Qmf k"FhL ?= $%,&(,^!,*)) sf] *=@( k|ltzt a/fa/sf] ?=# s/f]8 *) nfvsf] af]g;z]o/ tyf ;f] sf] s/ k|of]hgsf] nflu ?=@) nfv ?k}+of a/fa/sf] gub nfef+z ljt/0fsf] ljz]if k|:tfj o;} ;fwf/0f;efaf6 cg'df]bg x'g]5 eGg] ljZjf; lnPsf] 5' .

(_ hkmt ul/Psf] z]o/x?sf] ljj/0f

sDkgLdf xfn ;Dd s'g} z]o/ hkmt ul/Psf] 5}g .

!)_ ;xfos sDkgL;“usf] sf/f]jf/ k|ult / cf=a=sf] cGtdf k'g/fjnf]sg l:ylt

xfn;Dd s'g} klg ;xfos sDkgL :yfkgf ul/Psf] 5}g .

!!_ ;xfos sDkgLsf] k|d'v sf/f]jf/ / ;f] df ePsf] dxTjk"0f{ kl/jt{gx?

s]xL klg g/x]sf] .

!@_ sDkgLsf cfwf/e"t z]o/wgLx?n] pknAw u/fPsf] hfgsf/L

To:tf] s'g} hfgsf/L pknAw u/fOPsf] 5}g .

!#_ sDkgLsf ;+rfns / kbflwsf/Lx?n] lnPsf] z]o/ :jfldTj ljj/0f / z]o/ sf/f]jf/df lghx?sf] ;+nUgtf

cf=a= )^*÷^( ;Dd sDkgLsf ;+rfns / kbflwsf/Lx?sf] z]o/ :jfldTj ljj/0f lgDg cg';f/ /x]sf] 5 tyf xfn;Ddlghx? To:tf] s'g} z]o/ sf/f]jf/df ;+nUg /x]sf] hfgsf/L k|fKt ePsf] 5}g .

cWoIf >L ljho s'df/ ;/fjuL !,@),))) lsQf

;+rfns >L lbg]z nfn >]i7 #),))) lsQf

;+rfns >L lbkss'df/ >]i7 @),))) lsQf

;+rfns >L Zofd ;'Gb/ ?+u6f &%,))) lsQf-k|ltlglw dxfnIdL kmfOgfG; ln=_

;+rfns >L ;'zfGt rfrfg !%,))) lsQf

;+rfns >L /jL s'df/ u'Ktf @$@!( lsQf-;j{;fwf/0f z]o/wgLsf] tk{maf6_

!$_ sDkgL;“u ;DalGwt ;Demf}tfx?df ;+rfnsx? tyf lghsf glhssf gft]bf/x?sf] AolQmut :jfy{sf af/]df sDkgLnfO{pknAw hfgsf/L

To:tf] s'g} hfgsf/L sDkgLnfO{ xfn;Dd pknAWf gePsf] .

!%_ sDkgLn] cfk\mgf] z]o/ cfkm}n] vl/b u/]sf] eP ;f] sf] ljj/0f

vl/b gu/]sf] .

!^_ cfGtl/s lgoGq0f k|0ffnL

sDkgLn] ;+rfns >L lbks s'df/ >]i7Ho"sf] cWoIftfdf n]vfkl/If0f ;ldlt u7g u/]sf] 5 . h;n] cfGtl/s tyf jfXo

10


n]vfkl/If0f k|ltj]bg pk/ 5nkmn ug]{, aLdf ;ldltaf6 ;do ;dodf lbOPsf] lgb]{zg k"0f{?kn] kfngf ug{ Joj:yfkgnfO{lgb]{zg lbg] tyf k|wfg sfof{nodf /x]sf] zfvf Joj:yfkg ljefu (Branch Management Department) cGtu{t ;Dk"0f{sf/f]jf/sf] lgsf;f, lgoGq0f / kl/If0f ug]{ Aoj:yf ul/Psf] 5 . To;} u/L afXo >f]taf6 cfGtl/s n]vfkl/Ifs lgo'Qmu/L q}dfl;s ?kdf cfGtl/s n]vfkl/If0f u/fO{ s}lkmot / q'6L ;'wf/ tyf k|wfg sfof{nosf] clws[taf6 ;d]t zfvfx?sf]lgoldt lgl/If0f / cg'udgsf] Joj:yf ul/Psf] 5 .

!&_ ljut jif{sf] s"n Joj:yfkg vr{ ljj/0f

cfly{s jif{ )^*÷)^( df ?=@),%$,%^,#$%=*# Joj:yfkg vr{ ePsf] 5 .

!*_ n]vfkl/If0f ;ldltsf] ;b:ox?sf] gfd, k|fKt u/]sf] ;'ljwf tyf sfo{jfxL / ;'emfj ljj/0f

sDkgLsf] n]vf kl/If0f ;ldltdf ;+of]hs >L lbks s'df/ >]i7, ;b:o >L /jL s'df/ u'Ktf, ;b:o >L Zofd;'Gb/ ?+u6f/xg] u/L tLg ;b:oLo ;ldlt u7g ul/Psf] 5 . )^( cfiff9 d;fGt ;Dddf a}7s eQf jfkt ?=^),))).– vr{ ePsf]5 . cf=a= )^*÷^( sf] n]vfkl/If0f ubf{sf] k|fKt k|f/lDes n]vfkl/If0f k|ltj]bg n]vfkl/If0f ;ldltdf 5nkmn eO{pNn]lvt s}lkmotx? ;'wf/sf] nflu k|fKt lgb]{zfg';f/ sfo{jfxL e};s]sf] 5 .

!(_ ;+rfns, k|aGw ;+rfns, k|d'v sfo{sf/L clws[t, cfwf/e"t z]o/wgL jf gLhsf gft]bf/ jf gLh ;+nUg kmd{, sDkgL,;+:yfn] sDkgLnfO{ a'emfpg' kg]{ /sdg/x]sf] .

@)_ ;+rfns, k|aGw ;+rfns, k|d'v sfo{sf/L clws[t tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf /sd

o; cf=a= df ;+rfnsHo"x?nfO{ a}7s eQf / cGo vr{ afkt ?=(,%#,#@!.)) tyf sDkgLsf k|aGw ;+rfns tyf cGokbflwsf/Lx? -pk–k|aGws :t/;Ddsf]_ ;d]t s"n ?=!,!$,)#,%%).)) tna eQf e'QmfgL ul/Psf] 5 .

@!_ z]o/wgLn] a'lemlng af“sL /x]sf] /sd

gePsf] .

@@_ sDkgLn] bkmf !$! adf]lhd ;Dklt vl/b laqmL u/]sf] ljj/0f

gePsf]

@#_ ;Da¢ sDkgL aLr ePsf] sf/f]jf/ ljj/0f

g/x]sf] .

@$_ sDkgL P]g / k|rlnt sfg'g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ s'/f

g/x]sf] .

11


12


cfly{s jif{ @)^*÷÷÷÷÷)^(

Plzog nfO{km OG:of]/]G; sDkgL lnld6]8jf;nft

;+efljt bfloTjx? tyf cg';'lr #,(, !! tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ .

;+efljt bfloTjx¿

o; jif{

360,000,000.00 264,964,702.49 2,143,961,114.18

- -

2,768,925,816.682,768,925,816.682,768,925,816.682,768,925,816.682,768,925,816.68

66,152,506.06 807,502,243.44

17,652,980.00 40,083,017.00

35,045,291.83 1,660,977,249.16

17,900,935.00 236,332,318.19

1,950,255,794.18

86,988,658.68 7,100,000.00 8,886,050.00 23,359,251.33

126,333,960.01 1,823,921,834.17

13,613,236.01 -

2,768,925,816.68 2,768,925,816.68 2,768,925,816.68 2,768,925,816.68 2,768,925,816.68

ut jif{

360,000,000.00 152,363,835.47

1,297,953,730.94 - -

1,810,317,566.411,810,317,566.411,810,317,566.411,810,317,566.411,810,317,566.41

68,324,055.73 672,327,043.44

2,437,317.00 33,122,669.00

98,905,088.97 1,040,175,730.61

20,360,616.00 118,542,878.24 1,277,984,313.82

171,844,535.83 35,918,699.64 3,067,050.00 38,112,633.47

248,942,918.94 1,029,041,394.88

5,065,086.36 -

1,810,317,566.41 1,810,317,566.41 1,810,317,566.41 1,810,317,566.41 1,810,317,566.41

cg';"rL

1617111819

2021323

22212324

25269

26 s

27

ljj/0f>f]t

r'Qmf k"FhLhu]8f tyf sf]ifhLjg aLdf sf]ifdxf–ljkQL hu]8fltg{ afFsL bL3{sflng C0f tyf ;fk6L

s'n >f]tpkof]u

l:y/ ;DkQL -v'b_bL3{sflng nufgLaLdfn]vsf] lwtf]df shf{cGo bL3{sflng shf{rfn' ;DkQL shf{ tyf k]ZsLx?Mgub tyf a}+s df}HbftcNksflng nufgLcGo cNksflng shf{cGo ;DkQLhDdf -s_ (10+11+12+13)(10+11+12+13)(10+11+12+13)(10+11+12+13)(10+11+12+13)rfn' bfloTj tyf Joj:yfx?rfn' bfloTjc;dfKt hf]lvd jfkt Joj:yfe'QmfgL x'g afFsL bfjL jfkt Joj:yfcGo Joj:yfhDdf -v_ (14+15+16+17)(14+15+16+17)(14+15+16+17)(14+15+16+17)(14+15+16+17)v'b rfn' ;DkQL -u_ Ö -s_—-v_ckn]vg jf ;dfof]hg x'g jfFsL ljljw vr{x?gfkmf gf]S;fg lx;fjaf6 ;f/]sf] gf]S;fgs'n pkof]u (6+7+8+9+18+19+20)(6+7+8+9+18+19+20)(6+7+8+9+18+19+20)(6+7+8+9+18+19+20)(6+7+8+9+18+19+20)

qm=;=

!@#$%

^&*(

!)!!!@!#

!$!%!^!&

!*!(@)

qm=;=!@

#

$%

o; jif{ - - -

- --

ut jif{ - - -

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ljj/0fr'Qmf jf e'QmfgL x'g afFsL nufgLk|Tofe"lt k|lta¢tfaLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/ aLdsn]bfloTj :jLsf/ gu/]sf]aLdsn] jf aLdssf] tkm{af6 lbO{Psf] Uof/]06LcGo

hDdf

cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/

ldlt M @)^(÷)*÷!#:yfg M sf7df8f}+, g]kfn

n]vfkl/Ifs

l;P= ;'hg sfkm\n], Pkm=l;=P=

;'hg sfkm\n] P08 P;f]l;P6\;

rf6{8{ PsfpG6]G6\;

;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7

Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg

/lj s'df/ u'Ktf

ljho s'df/ ;/fjuLcWoIf

/fh]z s'df/ >]i7dxfk|aGws

sdn 9'Ëfgfn]vf k|d'v

13



n]vfkl/Ifs



rf6{8{ PsfpG6]G6\;



/lj s'df/ u'Ktf




cfly{s jif{ @)^*÷÷÷÷÷)^(

Plzog nfO{km OG:of]/]G; sDkgL lnld6]8gfkmf gf]S;fg lx;fa

qm=;=

!@#$%

^&*(!)!!!@!#!$!%!^

!&!*!(

@)

@!

ljj/0fcfDbfgLcfo Joo lx;fjjf6 ;f/]sf]hLjg jLdf sf]ifaf6 ;f/]sf]nufgL shf{ tyf cGoaf6 cfoJoj:yf lkmtf{cGo cfDbfgL

hDdf cfDbfgL -s_vr{

Joj:yfkg vr{ckn]vg vr{z]o/ ;DjGwL vr{cGo vr{x?gf]S;fgLsf] nflu Joj:yfsd{rf/L cfjf; Joj:yfsd{rf/L jf]g; Joj:yf;dfof]lht cfos/ -c_ Ö-cf_ —-O_cf_ cfos/O_ :yug s/ -;DklQ_÷bfloTjhLjg jLdf sf]ifdf ;f/]sf]

hDdf vr{ -v_v"b gfkmf ÷-gf]S;fg_ -u_ Ö-s_ —-v_cl3Nnf] jif{ ;+u ;+alGwt vr{cl3Nnf] jif{ af6 ;fl/Psf] gfkmf ÷-gf]S;fg_afF8 kmfF8sf] nflu pknAw /sd -s_ :yug s/ hu]8f -v_ k"FhLut hu]8f -u_ ljz]if hu]8f -3_ cGo hu]8f -8_ k|:tfljt nfef+z -c_ af]g; z]o/ -cf_ gub nfef+z -s/ tyf cGo e"QmfgL k|of]hg_ -r_ dxfljkQL hu]8fjf;nftdf ;f/]sf] gfkmf

cg';"rL

10

11

2

12

7

13

13 s

14

15

26s

26s

8

11

17

17

17

17

17

26s

18

o; jif{

19,930,920.21

-

37,054,315.60

21,148,870.44

-

78,134,106.2578,134,106.2578,134,106.2578,134,106.2578,134,106.25

20,545,634.58

-

55,462.00

35,000.00

16,458,268.44

-

3,734,067.38

(76,606,127.48)

-

(76,606,127.48)

-

(35,777,695.07) (35,777,695.07) (35,777,695.07) (35,777,695.07) (35,777,695.07)

113,911,801.32

-

2,938,789.55

116,850,590.87

76,606,127.48

-

-

-

38,000,000.00

2,000,000.00

-

244,463.39 244,463.39 244,463.39 244,463.39 244,463.39

ut jif{

(6,256,425.51)

17,101,397.00

30,055,351.06

437,139.00

-

41,337,461.5441,337,461.5441,337,461.5441,337,461.5441,337,461.54

16,701,145.51

-

-

-

21,148,870.44

-

317,040.51

(41,722,038.79)

-

(41,722,038.79)

-

(3,554,982.33) (3,554,982.33) (3,554,982.33) (3,554,982.33) (3,554,982.33)

44,892,443.88

-

102,084,173.93

146,976,617.81

41,722,038.79

-

-

-

97,200,000.00

5,115,789.47

-

2,938,789.55 2,938,789.55 2,938,789.55 2,938,789.55 2,938,789.55

cg';'lr @,&,* tyf !) b]lv !% !& / !* ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/

14


Plzog nfO{km OG:of]/]G; sDkgL lnld6]8Plss[t cfo Joo lx;fa

cfly{s jif{ @)^*÷÷÷÷÷)^(

ljj/0f

cfo

aLdf z'Ns -v"b_

k'gaL{df sldzg cfo

nufgL, shf{ tyf cGo af6 cfo

aLdfn]vsf] lwtf]df shf{af6 cfo

cGo k|ToIf cfo

cfly{s jif{sf] z'?sf] e'QmfgL x'g afFsL bfjL jfkt Joj:yf

cfly{s jif{sf] z'?sf] c;dfKt hf]lvd jfkt Joj:yf

hDdf cfo -s_

Joo

bfjL e'QmfgL -v'b_

clestf{ sldzg

:jf:Yo k/LIf0f z'Ns

k'gaL{df sldzg vr{

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cGo k|ToIf vr{

Joj:yfkg vr{

cfos/

cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf

cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf

hDdf Joo -v_

hLjg jLdf sf]ifdf ;f/]sf] art Ö -s_ —-v_

gfkmf gf]S;fg lx;fjdf ;f/]sf] art ÷-gf]S;fg_

cg';"rL

1

2

3

4

5

6

7

8

9

o; jif{

1,034,021,469.00

477,233.68

176,988,536.14

304,715.00

6,845,173.33

3,067,050.00

35,918,699.64

1,257,622,876.791,257,622,876.791,257,622,876.791,257,622,876.791,257,622,876.79

35,383,108.00

143,124,342.00

1,940,147.00

-

10,340,214.69

-

184,910,711.25

-

8,886,050.00

7,100,000.00

391,684,572.94 391,684,572.94 391,684,572.94 391,684,572.94 391,684,572.94

846,007,383.64 846,007,383.64 846,007,383.64 846,007,383.64 846,007,383.64

19,930,920.21

ut jif{

926,490,247.53

950,612.65

117,081,441.06

90,369.00

3,982,890.00

1,336,300.00

47,910,378.33

1,097,842,238.571,097,842,238.571,097,842,238.571,097,842,238.571,097,842,238.57

35,118,294.00

161,545,670.00

2,935,400.00

-

9,264,902.48

9,078,981.00

150,310,309.55

-

3,067,050.00

35,918,699.64

407,239,306.67 407,239,306.67 407,239,306.67 407,239,306.67 407,239,306.67

696,859,357.41 696,859,357.41 696,859,357.41 696,859,357.41 696,859,357.41

(6,256,425.51)

qm=;+=

!

@

#

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cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/


n]vfkl/Ifs



rf6{8{ PsfpG6]G6\;



/lj s'df/ u'Ktf




15


Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa Plzog ;fjlws hLjg aLdf

cfly{s jif{ @)^*÷÷÷÷÷)^(

cg';"rL

1

2

3

4

5

6

7

8

9

o; jif{

364,063,910.49

168,027.03

64,885,204.05

222,028.00

2,501,918.00

1,797,450.00

-

433,638,537.58 433,638,537.58 433,638,537.58 433,638,537.58 433,638,537.58

13,951,338.00

47,985,242.00

536,980.00

-

3,640,639.10

-

65,840,618.04

-

4,896,700.00

-

136,851,517.15136,851,517.15136,851,517.15136,851,517.15136,851,517.15

296,787,020.43 296,787,020.43 296,787,020.43 296,787,020.43 296,787,020.43

-

ut jif{

336,952,211.75

84,334.40

44,283,201.33

68,607.00

1,547,504.00

587,650.00

-

383,523,508.48383,523,508.48383,523,508.48383,523,508.48383,523,508.48

7,222,123.00

56,681,556.00

776,287.00

-

3,369,522.12

-

54,800,884.52

-

1,797,450.00

-

124,647,822.64 124,647,822.64 124,647,822.64 124,647,822.64 124,647,822.64

258,875,685.84 258,875,685.84 258,875,685.84 258,875,685.84 258,875,685.84

-

qm=;=

!

@

#

$

%

^

&

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(

!)

!!

!@

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!&

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ljj/0f

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aLdf z'Ns -v"b_

k'gaL{df sldzg cfo



cGo k|ToIf cfo



hDdf cfo -s_

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clestf{ sldzg

:jf:Yo k/LIf0f z'Ns

k'gaL{df sldzg vr{

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cGo k|ToIf vr{

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hDdf Joo -v_





n]vfkl/Ifs



rf6{8{ PsfpG6]G6\;



/lj s'df/ u'Ktf




16


cfly{s jif{ @)^*÷÷÷÷÷)^(


cfo Joo lx;fa clu|d e'QmfgL hLjg aLdf

cg';'lr ! b]lv ( ;Dd o;sf cleGg c+u x'g\ .

qm=;=

!

@

#

$

%

^

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(

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!(

ljj/0f

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aLdf z'Ns -v"b_

k'gaL{df sldzg cfo



cGo k|ToIf cfo



hDdf cfo -s_

Joo

bfjL e'QmfgL -v'b_

clestf{ sldzg

:jf:Yo k/LIf0f z'Ns

k'gaL{df sldzg vr{

;]jf z'Ns -v"b_

cGo k|ToIf vr{

Joj:yfkg vr{

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hDdf Joo -v_

hLjg jLdf sf]ifdf ;f/]sf] art Ö-s_ —-v_


cg';"rL

1

2

3

4

5

6

7

8

9

o; jif{

52,412,682.85

24,190.11

9,203,338.40

6,189.00

464,097.00

288,650.00

-

62,399,147.37 62,399,147.37 62,399,147.37 62,399,147.37 62,399,147.37

1,228,124.00

7,239,584.00

80,950.00

-

524,126.83

-

9,398,383.18

-

57,500.00

-

18,528,668.01 18,528,668.01 18,528,668.01 18,528,668.01 18,528,668.01

43,870,479.36 43,870,479.36 43,870,479.36 43,870,479.36 43,870,479.36

-

ut jif{

46,032,591.29

11,521.31

6,090,625.73

3,373.00

276,206.00

58,650.00

-

52,472,967.33 52,472,967.33 52,472,967.33 52,472,967.33 52,472,967.33

567,030.00

7,918,644.00

116,720.00

-

460,325.91

-

7,444,208.74

-

288,650.00

-

16,795,578.65 16,795,578.65 16,795,578.65 16,795,578.65 16,795,578.65

35,677,388.68 35,677,388.68 35,677,388.68 35,677,388.68 35,677,388.68

-

cfhsf] ldltsf] ;+nUg k|ltj]bg cg';f/


n]vfkl/Ifs



rf6{8{ PsfpG6]G6\;



/lj s'df/ u'Ktf




17


Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa afnpd· hLjg aLdf

cfly{s jif{ @)^*÷÷÷÷÷)^(

ljj/0f

cfo

aLdf z'Ns -v"b_

k'gaL{df sldzg cfo



cGo k|ToIf cfo



hDdf cfo -s_

Joo

bfjL e'QmfgL -v'b_

clestf{ sldzg

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k'gaL{df sldzg vr{

;]jf z'Ns -v"b_

cGo k|ToIf vr{

Joj:yfkg vr{

cfos/



hDdf Joo -v_



cg';"rL

1

2

3

4

5

6

7

8

9

o; jif{

415,523,608.00

191,777.31

67,562,001.60

265.00

2,553,625.33

635,950.00

-

486,467,227.25 486,467,227.25 486,467,227.25 486,467,227.25 486,467,227.25

3,018,241.00

58,252,994.00

985,872.00

-

4,155,236.08

-

73,835,466.92

-

1,918,200.00

-

142,166,010.00142,166,010.00142,166,010.00142,166,010.00142,166,010.00

344,301,217.25 344,301,217.25 344,301,217.25 344,301,217.25 344,301,217.25

-

ut jif{

358,162,541.32

89,643.05

41,543,325.10

780.00

1,346,857.00

460,000.00

-

401,603,146.47401,603,146.47401,603,146.47401,603,146.47401,603,146.47

6,076,367.00

63,545,775.00

1,561,189.00

-

3,581,625.41

-

56,981,110.41

-

635,950.00

-

132,382,016.82 132,382,016.82 132,382,016.82 132,382,016.82 132,382,016.82

269,221,129.65 269,221,129.65 269,221,129.65 269,221,129.65 269,221,129.65

-

qm=;=

!

@

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n]vfkl/Ifs



rf6{8{ PsfpG6]G6\;



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18


cfly{s jif{ @)^*÷÷÷÷÷)^(

Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa ;'lv hLjg aLdf

qm=;=

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ljj/0f

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cGo k|ToIf cfo



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clestf{ sldzg

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k'gaL{df sldzg vr{

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cGo k|ToIf vr{

Joj:yfkg vr{

cfos/



hDdf Joo -v_



cg';"rL

1

2

3

4

5

6

7

8

9

o; jif{

202,021,267.66

93,239.22

33,250,771.51

76,233.00

1,325,533.00

230,000.00

-

236,997,044.39236,997,044.39236,997,044.39236,997,044.39236,997,044.39

6,785,405.00

29,646,522.00

336,345.00

-

2,020,212.68

-

35,836,243.11

-

1,323,650.00

-

75,948,377.7975,948,377.7975,948,377.7975,948,377.7975,948,377.79

161,048,666.60 161,048,666.60 161,048,666.60 161,048,666.60 161,048,666.60

-

ut jif{

176,357,346.65

44,139.76

21,916,840.27

17,609.00

812,323.00

230,000.00

-

199,378,258.68199,378,258.68199,378,258.68199,378,258.68199,378,258.68

3,602,774.00

32,172,917.00

376,499.00

-

1,763,573.47

-

28,147,341.97

-

230,000.00

-

66,293,105.43 66,293,105.43 66,293,105.43 66,293,105.43 66,293,105.43

133,085,153.25 133,085,153.25 133,085,153.25 133,085,153.25 133,085,153.25

-



n]vfkl/Ifs



rf6{8{ PsfpG6]G6\;



/lj s'df/ u'Ktf




19


ljj/0f

cfo

aLdf z'Ns -v"b_

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cGo k|ToIf cfo



hDdf cfo -s_

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hDdf Joo -v_

hLjg jLdf sf]ifdf ;f/]sf] art Ö-s_ —-v_


cg';"rL

1

2

3

4

5

6

7

8

9

o; jif{

-

-

2,087,220.57

-

-

115,000.00

35,918,699.64

38,120,920.21 38,120,920.21 38,120,920.21 38,120,920.21 38,120,920.21

10,400,000.00

-

-

-

-

-

-

-

690,000.00

7,100,000.00

18,190,000.00 18,190,000.00 18,190,000.00 18,190,000.00 18,190,000.00

-

19,930,920.21 19,930,920.21 19,930,920.21 19,930,920.21 19,930,920.21

ut jif{

8,985,556.51

720,974.13

3,247,448.63

-

-

-

47,910,378.33

60,864,357.6160,864,357.6160,864,357.6160,864,357.6160,864,357.61

17,650,000.00

1,226,778.00

104,705.00

-

89,855.57

9,078,981.00

2,936,763.91

-

115,000.00

35,918,699.64

67,120,783.12 67,120,783.12 67,120,783.12 67,120,783.12 67,120,783.12

-

(6,256,425.51) (6,256,425.51) (6,256,425.51) (6,256,425.51) (6,256,425.51)

qm=;=

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Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfo Joo lx;fa a}b]lzs DofbL hLjg aLdf

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n]vfkl/Ifs



rf6{8{ PsfpG6]G6\;

;+rfnsx?lbg]znfn >]i7 lbks s'df/ >]i7Zofd ;'Gb/ ?+u6f ;'zfGt rfrfg/lj s'df/ u'Ktf




Plzog nfO{km OG:of]/]G; sDkgL lnld6]8cfly{s jif{ @)^*÷÷÷÷÷)^( sf] gub k|jfxsf] ljj/0f

qm=;=s

v

u

o; jif{

1,037,610,301.00 6,845,173.33

- 477,233.68 304,715.00

18,770,982.32 (3,588,832.00)

- (124,492,259.00)

(1,940,147.00) (44,253,094.00)

- (1,342,955.00) (7,866,283.00) (655,870.00)

(9,391,740.48) (35,000.00)

(193,519,637.68) (4,941,437.05)

- (30,089,310.13)

3,140,237.14 645,032,077.13 645,032,077.13 645,032,077.13 645,032,077.13 645,032,077.13

(6,042,872.78) (240,350,000.00) (410,000,000.00) (40,801,518.55) (5,440,009.44) (73,470,000.00)

- (17,589,122.00) (4,500,667.00)

204,457,805.40 885,053.33 889,600.00

2,048,360.00 253,861.12

(589,659,509.92) (589,659,509.92) (589,659,509.92) (589,659,509.92) (589,659,509.92)

- -

(111,265,679.68) (2,850,895.20) (5,115,789.47)

(119,232,364.35) (119,232,364.35) (119,232,364.35) (119,232,364.35) (119,232,364.35) (63,859,797.14) 98,905,088.97 35,045,291.83

ut jif{

939,174,048.00 3,982,890.00

- 950,612.65 90,369.00

32,641,677.00 (31,109,497.96)

- (156,578,779.28)

(2,935,400.00) (61,872,539.00)

- -

(533,589.00) -

(8,203,678.67) (9,078,981.00)

(152,135,125.45) - -

(32,364,153.25) 1,718,224.75

523,746,077.79 523,746,077.79 523,746,077.79 523,746,077.79 523,746,077.79

(23,011,905.08) (321,925,000.00) (277,000,000.00)

(41,315,270.30) (26,793,230.78)

- -

(2,415,717.00) (25,394,447.00) 135,980,617.70

826,843.52 1,035,600.00 2,421,615.85 410,610.85

(577,180,282.24)(577,180,282.24)(577,180,282.24)(577,180,282.24)(577,180,282.24)

- -

111,265,679.68 (2,880,589.47)

- 108,385,090.21 108,385,090.21 108,385,090.21 108,385,090.21 108,385,090.21 54,950,885.76 43,954,203.21

98,905,088.97

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46,402,501.00

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369,909.71

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23


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28


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133

,085,15

3.25 -

69

6,859

,357

.41

696,859

,357

.41

696,859

,357

.41

696,859

,357

.41

696,859

,357

.41

o; j

if{ - - - - - -

ut j

if{ - - - - - -

o; j

if{

- - - - - -

ut j

if{ - - - - - -

o; j

if{

800

,662

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.31

113

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1.94

820

,016

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.80

409

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2,14

3,96

1,11

4.18

2,14

3,96

1,11

4.18

2,14

3,96

1,11

4.18

2,14

3,96

1,11

4.18

2,14

3,96

1,11

4.18

ut j

if{

5

14,509

,533

.27

70,72

8,514

.58

475

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,209

.55

253

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,870

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1,315

,055

,127

.94

1,31

5,05

5,12

7.94

1,31

5,05

5,12

7.94

1,31

5,05

5,12

7.94

1,31

5,05

5,12

7.94

;dfof]h

g cufl8

sf] hLjg

aLdf

sf]if

-jif{s

f] z'?d

f_ c

fo Joo

lx;

faaf6

;f/]s

f]gfkmf gf]S;

fg lx;

faaf6

;f/]s

f]hu]8

f sf]ifaf6

;f/]s

f];d

fof]h

g cu

fl8sf] hLjg

aLdf s

f]if-j

if{sf] cG

Todf_

aLdf

sf] ls

l;d

qm=;

=

31


cg';"rL– !@Joj:yf lkmtf{

cg';"rL– !# -s_

z]o/ ;DaGwL vr{

cg';"rL– !#

ckn]vg vr{x?

qm=;=

!

@

#

$

ljj/0f

nufgLdf gf]S;fgLsf] nflu Joj:yf lkmtf{

shf{df gf]S;fgLsf] nflu Joj:yf lkmtf{

z+sf:kb cf;fdL Joj:yf lkmtf{

cGo Joj:yf lkmtf{

hDdf

o; jif{

9,629,293.44

1,519,577.00

10,000,000.00

-

21,148,870.4421,148,870.4421,148,870.4421,148,870.4421,148,870.44

ut jif{

87,169.00

349,970.00

-

-

437,139.00 437,139.00 437,139.00 437,139.00 437,139.00

qm=;=!@#$%^&

ljj/0fk|f/lDes vr{x?

k"j{ ;+rfng vr{x?

k/ ;fl/Psf vr{x?

ckn]vg ul/Psf] nufgL

ckn]vg ul/Psf] shf{

ckn]vg ul/Psf] cf;fdL

cGo ckn]vg

hDdf

o; jif{ - -

-

-

-

-

-

-

ut jif{ - -

-

-

-

-

-

-

qm=;=!@#$%

ljj/0fz]o/ lgZsf;g vr{

z]o/ /lhi6«];g vr{

z]o/ ;"lrs/0f vr{

nfef+z ljt/0f vr{

z]o/ ;DaGwL cGo vr{

hDdf

o; jif{ 55,462.00

-

-

-

-

55,462.00 55,462.00 55,462.00 55,462.00 55,462.00

ut jif{ -

-

-

-

-

-

cg';"rL– !$

cGo vr{x?

qm=;=!@#

ljj/0fb08 hl/jfgf

ljnDa z'Ns hl/jfgf

cGo

hDdf

o; jif{ 35,000.00

-

-

35,000.00 35,000.00 35,000.00 35,000.00 35,000.00

ut jif{ - -

-

-

32


cg';"rL– !^

s_ z]o/ k"“hL

v_ z]o/ :jfldTjsf] ;+/rgf

qm= ;+=

!

@

#=

ljj/0f

clws[t k"“hL

s_ ?= !)) b/sf] %),)),))) yfg ;fwf/0f z]o/

hf/L k"“hL

s_ ?= !)) b/sf] #^,)),))) yfg ;fwf/0f z]o/

r'Qmf k"“hL

s_ ?= !)) b/sf] #^,)),))) yfg ;fwf/0f z]o/

hDdf

o; aif{

50,00,00,000.00

360,000,000.00

360,000,000.00

360,000,000.00360,000,000.00360,000,000.00360,000,000.00360,000,000.00

ut aif{

50,00,00,000.00

360,000,000.00

360,000,000.00

360,000,000.00 360,000,000.00 360,000,000.00 360,000,000.00 360,000,000.00

;+:yfks

g]kfnL ;+ul7t ;+:yfx?

g]kfnL gful/s

ljb]zL

hDdf

;j{;fwf/0f

cGo

s"n

z]o/wgL;fwf/0f z]o/ ;+Vof

355,000

2,165,000

-

2,520,000

1,080,000

-

3,600,000 3,600,000 3,600,000 3,600,000 3,600,000

:jfldTjsf] Ü

9.86

60.14

-

70.00

30.00

-

100.00 100.00 100.00 100.00 100.00

;fwf/0f z]o/ ;+Vof

355,000

2,165,000

-

2,520,000

1,080,000

-

3,600,000 3,600,000 3,600,000 3,600,000 3,600,000

:jfldTjsf] Ü

9.86

60.14

-

70.00

30.00

-

100.00 100.00 100.00 100.00 100.00

o; jif{ ut jif{

cg';"rL– !%

gf]S;fgLsf] nflu Joj:yf

qm=;=!@#$

ljj/0fnufgLdf gf]S;fgLsf] nflu Joj:yf

shf{df gf]S;fgLsf] nflu Joj:yf

z+sf:kb cf;fdL Joj:yf

cGo Joj:yf

hDdf

o; aif{ 4,084,809.44

2,373,459.00

10,000,000.00

-

16,458,268.4416,458,268.4416,458,268.4416,458,268.4416,458,268.44

ut jif{ 9,629,293.44

1,519,577.00

10,000,000.00

-

21,148,870.4421,148,870.4421,148,870.4421,148,870.4421,148,870.44

33


u= Ps k|ltzt jf a9L z]o/ :jfldTj ePsf] z]o/wgLx?sf] ljj/0f

qm= ;+=

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

ljj/0f

Pr P08 la 8]enkd]06 a}+s ln=

dxfnIdL kmfOgfG; lnld6]8

u'x]Zj/L dr]{G6 a}+s P08 kmf=ln=

a'6jn kmfOgfG; lnld6]8

afa'nfn cu|jfn

ljho s'df/ ;/fjuL

;ljtf b]jL ?u+6f

/fh]z nfn >]i7

ljgo s'df/ tf]bL

Zofd ;'Gb/ v]tfg

nId0fhL snjf/

clgn s'df/ cu|jfn

dgf]h s'df/ bf;

lbgfgfy v08]njfn

hut gf/fo0f /f}lgof/

zlQm s'df/ uf]Nof0f

/f]lxt u'Ktf

dx]z s'df/ ;f/8f

/fh]]z s'df/ ;/fjuL

/fhs'df/ df]/

:jfldTjsf] Ü

2.78

2.08

2.08

2.08

1.39

3.33

4.17

4.72

1.11

1.11

1.39

1.39

1.39

2.78

1.39

3.06

3.47

2.08

1.11

1.11

/sd

10000000

7500000

7500000

7500000

5000000

12000000

15000000

17000000

4000000

4000000

5000000

5000000

5000000

10000000

5000000

11000000

12500000

7500000

4000000

4000000

:jfldTjsf] Ü

2.78

2.08

2.08

2.08

1.39

3.33

4.17

4.72

1.11

1.11

1.39

1.39

1.39

2.78

1.39

3.06

3.47

2.08

1.11

1.11

/sd

10000000

7500000

7500000

7500000

5000000

12000000

15000000

17000000

4000000

4000000

5000000

5000000

5000000

10000000

5000000

11000000

12500000

7500000

4000000

4000000

o; jif{ ut jif{

34


cg';"rL– !*

dxf ljklQ hu]8f

o; jif{

-

-

-

-

-

ut jif{

-

-

-

-

-

o; jif{

-

-

-

-

-

ut jif{

-

-

-

-

-

o; jif{

-

-

-

-

-

ut jif{

-

-

-

-

-

jif{sf] z'?df dxf–ljklQ hu]8f gfkmf gf]S;fg lx;faaf6 ;f/]sf] jif{ cGTodf dxf–ljkQL hu]8f

cg';"rL– !(

ltg{ afFsL bL3{sflng C0f tyf ;fk6L

ljj/0f

l8j]Gr/÷j08

a}+s

ljQLo ;+:yf

cGo

hDdf

o; jif{

-

-

-

-

-

ut jif{

-

-

-

-

-

qm= ;+=

1

2

3

4

cg';"rL– !&

hu]8f tyf sf]if

ljj/0f

:yug s/ hu]8f

s_ :yug s/ hu]8f ut jif{

v_ :yug s/ hu]8f o; jif{

hDdf

k"FhLut hu]8f

ljz]if hu]8f

cGo hu]8f

z]o/ lk|ldod

k|:tfljt af]gz z]o/

k"FhLs[[t x'g afFsL af]g; z]o/

gfkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf

hDdf

qm= ;+=

1

2

3

4

5

6

7

8

ut aif{

10,503,007.13

41,722,038.79

52,225,045.92

-

-

-

-

97,200,000.00

-

2,938,789.55

152,363,835.47 152,363,835.47 152,363,835.47 152,363,835.47 152,363,835.47

o; jif{

52,225,045.92

76,606,127.48

128,831,173.40

-

-

-

-

38,000,000.00

97,200,000.00

933,529.09

264,964,702.49 264,964,702.49 264,964,702.49 264,964,702.49 264,964,702.49

35


cg';

"rL–

@)

l:y/

;Dk

lQ

k/n

df]n

x|f;

s§L

v'b

df]n

ljj/

0fz'?

df}Hbft

15,00

0,00

0.00

30,28

9,00

1.70

7,741

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.90

3,726

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15,19

8,70

8.25

680

,846

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14,

051,9

83.8

2 -

104

,354.

00

86,79

3,21

8.99

86,79

3,21

8.99

86,79

3,21

8.99

86,79

3,21

8.99

86,79

3,21

8.99 -

86,79

3,21

8.99

86,793

,218

.99

86,793

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.99

86,793

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.99

86,793

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.99

86,793

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.99

86,793

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86,793

,218

.99

86,793

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.99

86,793

,218

.99

o; j

if{ yk

]sf] - -

1,33

4,83

8.00

478

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584

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4,753

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99

485

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00 - -

7,636

,699

.99

7,636

,699

.99

7,636

,699

.99

7,636

,699

.99

7,636

,699

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7,636

,699

.99

o; j

if{ 36

]sf] - - - - - -

2,16

3,571

.00 - -

2,163

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2,16

3,57

1.00

2,16

3,57

1.00

2,16

3,57

1.00

2,16

3,57

1.00 -

2,16

3,571

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hDdf

15,00

0,00

0.00

30,28

9,00

1.70

9,076

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4,205

,195.

32

15,78

3,604

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5,4

34,014

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12,37

3,712

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104

,354.

00

92,26

6,34

7.98

92,26

6,34

7.98

92,26

6,34

7.98

92,26

6,34

7.98

92,26

6,34

7.98 -

92,26

6,34

7.98

86,793

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86,793

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86,793

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86,793

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86,793

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ut j

if{;Dd

-

2,39

2,44

7.80

3,078

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1,543

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6,4

23,219

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384

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4,585

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60,32

9.66

18,

469,16

2.45

18,

469,16

2.45

18,

469,16

2.45

18,

469,16

2.45

18,

469,16

2.45 -

18,

469,16

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2.45

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2.45

o; j

if{

-

1,39

4,82

7.70

1,526

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629

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2,30

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5.57

656

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2,14

8,97

8.80 -

11,0

06.0

8

8,675

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8,675

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8,675

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8,675

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8,675

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8,675

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82

laqmL ;d

fof]h

g - - - - - -

1,030

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1,0

30,639

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1,03

0,63

9.35

1,03

0,63

9.35

1,03

0,63

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1,030

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hDdf

-

3,787

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4,604

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2,17

3,275

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8,731

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1,041

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31

5,704

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71,3

35.74

26,11

3,84

1.92

26,113

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26,113

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26,113

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26,113

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26,11

3,841

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18,

469,16

2.45

18,

469,16

2.45

18,

469,16

2.45

18,

469,16

2.45

18,

469,16

2.45

o; j

if{;Dd

sf]

15,00

0,00

0.00

26,50

1,726

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4,4

71,593

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2,031

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7,051

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4,39

2,88

6.68

6,669

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33,0

18.26

66,15

2,50

6.06

66,152

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66,152

,506

.06

66,152

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.06

66,152

,506

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66,15

2,50

6.06

68,

324,

056.54

68,

324,

056.54

68,

324,

056.54

68,

324,

056.54

68,

324,

056.54

ut j

if{;Dd

sf]

15,00

0,00

0.00

27,89

6,55

3.90

4,662

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.50

2,18

2,93

0.00

8,775

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295

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9,4

66,31

2.57 -

44,

024.

34

68,

324,

056.54

68,

324,

056.54

68,

324,

056.54

68,

324,

056.54

68,

324,

056.54 -

68,

324,

056.54

lk|m xf]N8

hld

g

ejg

kmlg{r/

tyf lkmS;\r;{

sfo

f{no

;fd

fg

sDKo"6

/ ty

f ;'rgf

k|ljw

L pks

/0f

cb[Z

o ;Dk

QL

;jf/L ;

fwg

lnh x

f]N8 ;

DkQL

cGo

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f; e

N6_

hDd

f

lgdf{0fflwg

k"lh

ut v

r{

s"n

ut j

if{

36


cg';"rL– @!=!v_ z]o/df nufgL

qm=;=

!

@

#

$

%

^

&

*

(

!)

sDkgL

a}+s ckm Plzof g]kfn ln= sf] !$#%$ yfg ;fwf/0f z]o/

l8l;laPn a}+s ln= sf] !^##^ yfg ;fwf/0f z]o/

s'df/L a}+s ln= sf] !#(@) yfg ;fwf/0f z]o/

n'lDagL a}+s ln= sf] !(&#^ yfg ;fwf/0f z]o/

PgPdaL a}+s ln= sf] @$(*$ yfg ;fwf/0f z]o/

k|fO{d sdlz{o; a}+s ln= sf] @!!)% yfg ;fwf/0f z]o/

g]kfn P;lacfO{ a}+s ln= sf] *%^$ yfg ;fwf/0f z]o/

l;4fy{ a}+s ln= sf] !#^%! yfg ;fwf/0f z]o/

l;l6hG; a}+s O{= ln= sf] !%@%& yfg ;fwf/0f z]o/

hgtf a}+s g]kfn ln= sf] !#%%@ yfg ;fwf/0f z]o/

hDdf

c+lst d"No

1,435,400.00

1,633,600.00

1,392,000.00

1,973,600.00

2,498,400.00

2,110,500.00

856,400.00

1,365,100.00

1,525,700.00

1,355,200.00

16,145,900.00

v'b /sd

1,435,400.00

1,633,600.00

1,392,000.00

1,973,600.00

2,498,400.00

2,110,500.00

856,400.00

1,365,100.00

1,525,700.00

1,355,200.00

16,145,900.00

ahf/ d"No

3,272,712.00

3,512,240.00

3,368,640.00

4,203,768.00

4,497,120.00

5,001,885.00

5,438,140.00

4,709,595.00

3,509,110.00

2,534,224.00

40,047,434.00

k/n d"No

3,026,872.71

3,457,190.43

5,405,093.34

5,012,351.46

5,672,645.79

6,011,722.57

4,840,561.79

4,956,902.48

4,393,702.87

1,355,200.00

44,132,243.44

cg';"rL– @!s_ nufgL

qm=;+=

s_

!

@

#

$

%

^

&

*

(

v_

!

@

#

$

%

^

&

*

(

!)

ljj/0f

bL3{sflng nufgLM

;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L

jfl0fHo a}}ssf] d'2tL lgIf]k

ljsf; a}ssf] d'2tL lgIf]k

gful/s nufgL of]hgf

ljQLo ;+:yfsf] d'2tL lgIf]k

cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! Afdf]lhd_

cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! Afdf]lhd_

a}s tyf ljQLo ;+:yfx?sf] cu|flwsf/ z]o/ ÷l8j]Gr/

cGo

hDdf

cNksfnLg nufgL

;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L

jfl0fHo a}}ssf] d'4tL lgIf]k

ljsf; a}ssf] d'4tL lgIf]k

gful/s nufgL of]hgf

ljQLo ;+:yfsf] d'4tL lgIf]k

a}s tyf ljQLo ;+:yfx?sf] cu|flwsf/ z]o/÷ l8a]Gr/

jfl0fHo a}}ssf] Aofh k||fKt x'g] cGo lgIf]k

ljsf; a}ssf] Aofh k||fKt x'g] cGo lgIf]k

ljQLo ;+:yfx?sf] Aofh k|fKt x'g] cGo lgIf]]k

cGo Aofh k|fKt x'g] nufgL

hDDff

s"n

o; jif{

635,400,000.00

32,000,000.00

10,000,000.00

-

10,000,000.00

-

44,132,243.44

75,970,000.00

-

807,502,243.44 807,502,243.44 807,502,243.44 807,502,243.44 807,502,243.44

-

1,449,500,000.00

60,000,000.00

-

5,000,000.00

-

120,074,653.40

17,705,969.02

8,696,626.74

-

1,660,977,249.16 1,660,977,249.16 1,660,977,249.16 1,660,977,249.16 1,660,977,249.16

2,468,479,492.60 2,468,479,492.60 2,468,479,492.60 2,468,479,492.60 2,468,479,492.60

ut jif{

395,050,000.00

202,000,000.00

10,000,000.00

-

20,000,000.00

-

42,777,043.44

2,500,000.00

-

672,327,043.44 672,327,043.44 672,327,043.44 672,327,043.44 672,327,043.44

-

802,000,000.00

65,000,000.00

-

67,500,000.00

-

85,091,945.01

14,470,762.93

6,113,022.67

-

1,040,175,730.61 1,040,175,730.61 1,040,175,730.61 1,040,175,730.61 1,040,175,730.61

1,712,502,774.05 1,712,502,774.05 1,712,502,774.05 1,712,502,774.05 1,712,502,774.05

37


cg';"rL– @#cGo shf{

ljj/0fbL3{sflng shf{clestf{nfO{ shf{sd{rf/LnfO{ shf{cGo

hDdfcNksflng shf{clestf{nfO{ shf{sd{rf/LnfO{ shf{

hDdf

o; aif{

40,083,017.00

-

-

40,083,017.0040,083,017.0040,083,017.0040,083,017.0040,083,017.00

15,873,842.00

2,027,093.00

17,900,935.00 17,900,935.00 17,900,935.00 17,900,935.00 17,900,935.00

ut aif{

33,122,669.00

-

-

33,122,669.00 33,122,669.00 33,122,669.00 33,122,669.00 33,122,669.00

18,786,014.00

1,574,602.00

20,360,616.00 20,360,616.00 20,360,616.00 20,360,616.00 20,360,616.00

qm=;=s!@#

v=!@

cg';"rL– @@gub tyf a}+s df}Hbft

ljj/0fgub df}Hbftl6s6 df}Hbftr]]s df}Hbft

hDdfa}+s df}Hbftjfl0fHo a}+sx?sf] df}Hbftljsf; a}+sx?sf] df}HbftljQLo ;+:yfx?sf] df}HbftcGo

hDdfs'n

o; aif{ 13,019,057.00

50,261.70

-

13,069,318.70 13,069,318.70 13,069,318.70 13,069,318.70 13,069,318.70

19,860,948.09

2,115,025.04

-

-

21,975,973.1321,975,973.1321,975,973.1321,975,973.1321,975,973.13

35,045,291.83 35,045,291.83 35,045,291.83 35,045,291.83 35,045,291.83

ut aif{ 52,550,012.00

28,044.90

-

52,578,056.90 52,578,056.90 52,578,056.90 52,578,056.90 52,578,056.90

41,020,219.54

1,538,227.73

3,768,584.80

-

46,327,032.0746,327,032.0746,327,032.0746,327,032.0746,327,032.07

98,905,088.97 98,905,088.97 98,905,088.97 98,905,088.97 98,905,088.97

qm=;=!

@

cg';"rL– @$cGo ;DklQ

ljj/0fnufgLaf6 k|fKt x'g afFsL cfoaLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL AofhcGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL AofhcGo aLdsaf6 k|fKt x'g afFsLk'gaL{dsaf6 k|fKt x'g afFsLljljw cf;fdLclu|d e'QmfgL -Aofh cfDbfgL df >f]tdf s/ sl§_sd{rf/L k]ZsLcGo k]ZsLw/f}6Lc;'n x'g afFsL aLdfz'NsGo"g M c;'n x'g afFsL aLdfz'Ns d'NtjL -suspense_cGos_ :yug s/ ;DklQv_ cGo clu|d e'QmfgLu_ afl0fHoa}+s sf] artkq vl/b k]ZsLhDdf

o; aif{ 18,714,182.24

-

-

-

16,362,798.20

7,839.00

68,724,950.89

-

1,867,588.00

304,450.00

-

128,831,172.60

1,519,337.26

236,332,318.19 236,332,318.19 236,332,318.19 236,332,318.19 236,332,318.19

ut aif{ 8,309,244.80

-

-

-

15,207,317.73

98,284.00

37,402,920.19

-

4,212,384.99

237,000.00

-

51,535,980.22

1,539,746.31

118,542,878.24 118,542,878.24 118,542,878.24 118,542,878.24 118,542,878.24

qm=;=!@#$%^&*(!)!!

!@

38


c;dfKt hf]lvd Joj:yfcg';"rL– @^

ljj/0f

Plzog ;fjlws aLdfsf] c;dfKt hf]lvd hu]8f

clu|d e'QmfgL aLdfsf] c;dfKt hf]lvd hu]8f

afnpdË aLdfsf] c;dfKt hf]lvd hu]8f

;'vL hLjg aLdfsf] c;dfKt hf]lvd hu]8f

j}b]lzs DofbL aLdfsf] c;dfKt hf]lvd hu]8f

hDdf

o; aif{

-

-

-

-

7,100,000.00

7,100,000.00 7,100,000.00 7,100,000.00 7,100,000.00 7,100,000.00

ut aif{

-

-

-

-

35,918,699.64

35,918,699.6435,918,699.6435,918,699.6435,918,699.6435,918,699.64

cg';"rL– @%

rfn' bfloTj

ljj/0f

clestf{nfO{ lbg afFsL

cGo aLdsnfO{ lbg afFsL

k'gaL{dsnfO{ lbg afFsL

cNksflng shf{

aLdfz'Ns w/f}6L

k"0f{ ljj/0f gv'n]sf] aLdfz'Ns

ljljw ;fx"

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>f]tdf s§f ul/Psf] s/ ltg{ afFsL

d"No clej[l¢ s/ ltg{ afFsL

;]jf z'Ns ltg{ afFsL

sd{rf/LnfO{ lbg afFsL

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cGo

s_ clestf{ O{hfht aGg afFsL

v_ Joj:yfkg vr{ e'QmfgL ug{ afFsL

u_ PWB/MIB jfkt Joj:yf

hDdf

o; aif{

48,489,384.00

-

-

-

-

-

3,218,391.20

-

12,964,448.02

-

10,376,103.01

748,038.03

-

934,770.00

5,030,519.42

5,227,005.00

86,988,658.68 86,988,658.68 86,988,658.68 86,988,658.68 86,988,658.68

ut aif{

29,857,301.00

-

-

111,265,679.68

-

-

3,441,966.54

-

9,459,650.54

-

9,391,740.48

56,307.03

-

1,075,755.00

2,069,130.56

5,227,005.00

171,844,535.83171,844,535.83171,844,535.83171,844,535.83171,844,535.83

qm=;=

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39


cg';

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13,61

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13,61

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13,61

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6.01

13,61

3,23

6.01

13,61

3,23

6.01

13,61

3,23

6.01

ut a

if{

- -

5,065

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5,0

65,0

86.36

5,0

65,0

86.36

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65,0

86.36

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65,0

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1,340

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,115,78

9.47 - - - - - -

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19,36

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ut j

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ut j

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5,11

5,78

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40


cg';"rL–@*

Plzog nfO{km OG:of]/]G; s+= ln=ljlQo ljj/0f;“u ;DalGwt k|d'v n]vf gLltx?

!_ ljQLo ljj/0f tof/Lsf cfwf/x? Mo; sDkgLsf] ljQLo ljj/0f aLdf P]g @)$(, aLdf lgodfjnL @)$( / aLdf ;ldltn] hf/L u/]sf] ldlt @)^&.)%.@!sf] kl/dflh{t lgb]{lzsf, k|rlnt sfg"g tyf n]vfdfg, ;fdfGotM :jLsfo{ n]vf l;¢fGt sf] clwgdf /lx tof/ ul/Psf]5 .

@_ l:y/ ;DklQ n]vf°g gLlt Ml:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ff (Historical Cost Concept) sf] cfwf/df n]vfÍg ug]{ gLlt cjnDagul/Psf] 5 .

#_ x|f; s§L gLlt Ml:y/ ;DkQLx?sf] x|f; s§L cfos/ P]g @)%* cg';f/ 36\bf] b/ ljlw (Diminishing Balancing Method) sf] cfwf/dfn]vfÍg ug]{ gLlt cjnDag ul/Psf] 5 .

$_ k"“hLs[t gul/g] ;DklQx? ;DaGwL n]vf°g gLlt Mahf/sf] jt{dfg b/ /]6nfO{ dWogh/ /fvL ?=%))).– ;Dddf vl/b ul/Psf] l6sfp ;fdfgx?nfO{ 5'§} lhG;L /]s8{df/fvL k"FhLs[t gug]{ gLlt lnOPsf] 5 .

%_ cfos/ Joj:yf tyf af“8kmf“8 gLlt Mrfn' cfos/ M cfos/ P]g @)%* adf]lhd cfos/ u0fgf ul/ jfF8kmfF8 ;+aGwdf aLdf P]g @)$(, lgodfjnL @)$(/ aLdf ;ldltaf6 hf/L lgb]{lzsfsf] cfwf/df k|To]s lsl;dsf] aLdfsf] ef/ / gfkmf gf]S;fg lx;fjsf] ef/sf] cfwf/dfaf+8kmfF8 ug]{ gLlt canDag ul/Psf] 5 .:yug s/M :yug s/ -Deferred Tax_ sf] u0fgf g]kfn n]vfdfg ( cg';f/ u/LPsf] 5 .

^_ nufgL n]vf°g gLlt M

-s_ ;/sf/L artkq÷C0fkqdf nufgL n]vf°g gLlt M

!_ g]kfn ;/sf/sf] artkq jf C0fkq jf g]kfn ;/sf/sf] hdfgt k|fKt C0fkqdf ul/Psf] nufgL nfO{clÍt d'No (Face Value) jf k/n d'No dWo] h'g 3l6 x'G5 ;f]lx d'Nodf b]vfpg] gLlt cjnDag ul/Psf]5 .

@_ v08 -!_df pNn]v ul/P cg';f/sf] nufgLsf] clÍt d'No (Face Value) eGbf k/n d'No j9L ePdfTo:tf] a9L /sdnfO{ (Deferred Expenditure) sf] ?kdf n]vfÍg u/L ;f] vr{ nfO{ To:tf] nufgLsf] cjlwleq ;dfg'kflts cfwf/df (Prorata Basis) df ckn]vg ug]{ gLlt lnO{Psf] 5 .

#_ v08 -!_df pNn]v u/L Padf]lhd u/LPsf] nufgLsf] clÍt d'No (Face Value) eGbf k/n d'No sdePdf To:tf] a9L /sdnfO{ nufgLsf] cjlw leq;dfg'kflts cfwf/df (Prorata Basia) nufgL -vl/bdf_gfkmf n]vfÍg ug]{ gLlt lnO{Psf] 5 .

$_ v08 -!_ adf]lhd art kq jf C0fkqsf] n]vfÍsg ul/Psf] d'No eGbf ahf/ d'No sd x'g uPdf To:tf]km/s /sdsf] a/fa/ Joj:yf (Provision) ug]{ gLlt lnOPsf] 5 .

-v_ a}+s÷ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgL n]vf°g gLlt Ma}+s÷ljQLo ;+:yfsf] d'2tL lgIf]k jf gful/s sf]ifsf] nufgL of]hgfx?df ul/Psf] nufgLnfO{ ;fjfF /sddfb]vfOg] 5 . t/ To:tf] nufgLsf] Dofb ;dflKtkl5 s'g} sf/0fj; tTsfn lkmtf{ x'g] cj:yf >[hgf gePdf To:tf]nufgL j/fj/sf] Joj:yf (Provision) ug]{ gLlt lnO{Psf] 5 .

-u_ klAns lnld6]8 sDkgLsf] z]o/ nufgLdf n]vf°g gLlt M!_ klAns lnld6]8 sDkgLsf] z]o/df ul/Psf] nufgLnfO{ k/n d'No jf jhf/ d'No h'g 36L 5 ;f]lx d'Nodf

41


b]vfpg] / k/n d"No ahf/ d'No eGbf jl9 ePdf ;f] j/fj/sf] Joj:yf ug]{ gLlt lnO{Psf] 5 .@_ klAns lnld6]8 sDkgLsf] ;+:yfks z]o/df nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq ahf/df

;"lrs[t gePdf To:tf] sDkgLn] sf/f]jf/ ug]{ O{hfht kq kfPsf] ldltn] ltg jif{;Dd To:tf] nufgL nfO{k/n d'Nodf b]vfO{ ;f] cjlw kZrft ;f]lx /sd j/fj/ Joj:yf ug]{ gLlt lnO{Psf] 5 .

#_ -u_ sf] v08 -!_ cg';f/ nufgL ul/Psf] z]o/ k|rlnt sfg'g adf]lhd lwtf]kq jhf/sf] ;"lraf6 x6]df(Delisted) ;f] nufgL j/fj/sf] Aoj:yf ug]{ gLlt lnO{Psf] 5 .

&_ ;6xL 36a9 ;dfof]hg gLltsDkgLn] ljb]zL d'b|fnfO{ k|fKt ldltsf] ljlgdo b/df n]vfÍg ug]{ gLlt lnO{Psf] 5 . ;fy} jif{sf] cGTodf ePsf] ljb]zLd'b|fsf] df}HbftnfO{ ;f] lbgsf] ljlgdo b/sf] cfwf/df km/s kg{ hfg] /sd nfO{ ljlgdo gfkmf gf]S;fg lx;fjdf n]vfÍgug]{ gLlt lnO{Psf] 5 .

*_ aLdfz'Ns cfDbfgL n]vf°g gLltM

s_ sDkgLn] gub k|flKtsf] cfwf/df aLdfz'Ns cfDbfgL afFWg] gLtL lnO{Psf] 5 . t/ gub k|flKt ldlteGbf aLdfz'Ns e'QmfgL ug'{kg]{ ldltkl5 ePdf kl5Nnf] ldltdf aLdfz'Ns cfDbfgL afFWg] gLlt lnO{Psf] 5 .

v_ a}b]lzs DofbL aLdf cGtu{t k|fKt Psn aLdfz'Ns nfO{ ;f]lx jif{ cfDbfgL hgfpg] / aLdfÍLaf6 bfloTj lgwf{/0fu/fO{ ;f] a/fj/ Joj:yf ug]{ gLlt lnO{Psf] 5 .

(_ k'gaL{df sldzg cfDbfgL n]vf°g gLlt Mk'gaL{dsaf6 k|fKt sldzgnfO{ gub k|fKt eP kZrft cyjf k"gaL{dsaf6 lnlvt ;dy{g k|fKt eP kZrft cfDbfgLn]vfÍg ug{] gLlt lnOPsf] 5 .

!)_ cGo cfo n]vf°g tyf af“8kmf“8 gLlt Mef8f -Rent_ tyf cGo zLif{saf6 ePsf] cfo n]vfÍg ubf{ aLdf ;ldltsf] lgb]{zg !# adf]lhd n]vfÍg tyf afF8kmfF8ul/g] gLlt cjnDag ul/Psf] 5 .

!!_ shf{ n]vf°g gLlt MsDkgLn] k|rlnt sfg"g adf]lhd shf{ k|bfg ubf{ To:tf] shf{ c;'nL x'g] kof{Kt cfwf/ v8f u/L ug]{ 5 , ;fy} ;f]shf{ /sdnfO{ ;fjfF /sddf n]vfÍg ug]{ gLlt lnO{Psf] 5 . dfly pNn]v u/LPadf]lhd shf{ nuftf/ tLg dlxgf jf ;f]eGbf a9L cjlw efsf gf3]df ;f] shf{nfO{ lgis[o shf{ dflgg] 5 / To:tf] lgis[o shf{nfO{ aLdfn]vsf] lwtf]df k|bfgul/Psf] shf{ afx]ssf] cj:yfdf shf{ j/fa/sf] /sd Joj:yf ul/g] gLlt cjnDag ul/Psf] 5 .

!@_ Joj:yfkg vr{ af“8kmf“8 gLlt MAoj:yfkg vr{ afF8kmfF8 ubf{ s"n Aoj:yfkg vr{sf] () k|ltzt /sdnfO{ k|To]s lsl;dsf] aLdfsf] cfo Joo lx;fjdfaLdfsf] ef/sf] cfwf/df n]vfÍg ul/g] 5 / afFsL /x]sf] !) k|ltzt /sdnfO{ gfkmf gf]S;fg lx;fjdf n]vfÍg ug]{ gLltlnO{Psf] 5 .

!#_ aLdf bfjL e'QmfgL vr{ n]vf°g gLltMsDkgLn] bfjLsf] nfut u0fgf ubf{ aLdfn]v adf]lhd e'QmfgL ug'{ kg]{ /sd tyf ;f] bfjL km5|\of}{6sf] nflu sDkgLsfkbflwsf/L / sd{rf/Lx?n] u/]sf] sfd / cGo vr{ afx]s cfjZos k/fdz{ tyf cg';Gwfg vr{ ;d]t ;dfj]z ul/ vr{n]vfÍg ug]{ gLlt lnOPsf] 5 .

!$_ aLdf bfjL afkt bfloTj Joj:yf n]vf°g gLltMaLdf bfjL jfktsf] km5\of}{6 x'g afFsL d[To' bfjL, cjlw ;dflKt bfjL,cf+lzs cjlw ;dfKtL bfjL tyf ;dk{0f d'No bfjLjfkt jLdf lgodfjnL @)$( bkmf !%-3_ sf] k|fjwfg cGtu{t s'n bfjL /sdsf] !!% k|ltzt /sd Joj:yf ug]{ gLltlnOPsf] 5 .

!%_ aLdf Joj;fodf art af“8kmf“8 gLlt MsDkgLsf] aLdfÍLo d"NofÍg geP;Dd ;DjlGwt aLdfsf] aLdfn]vaf6 ePsf] cfDbfgLnfO{ ;f]lx aLdfsf]ifdf /sdfGt/

42


ug]{ gLlt lnOPsf] 5 ;fy} gf]S;fgL ePdf gfkmf gf]S;fg lx;fjdf ;fg]{ gLlt lnOPsf] 5 .t/ a}b]lzs DofbL hLjg aLdfsf] xsdf c;dfKt hf]lvd jfkt ladfÍLsf] d"NofÍg k|ltj]bg k|fKt ePsf] cj:yfdf ;f]adf]lhd Joj:yf u/L afFsL /sdnfO{ gfkmf gf]S;fg lx;fadf nfg] gLlt lnO{Psf] 5 .

!^_ sd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt Joj:yf gLlt Msd{rf/L pkbfg, ljbf tyf cGo ;'ljwf afkt e'QmfgL ug'kg]{ bfloTj k|f]beflj (Accrual) cfwf/df n]vfÍg ug]{ gLltlnPsf] 5 .

!&_ z+sf:kb cf;fdL Joj:yf gLlt MsDkgLn] cf;fdLsf] Ageing cg';f/ Joj:yfkgn] gp7\g] elg Joj:yf ug{ cfjZos 7fg]df ;+rfns ;ldltaf6 kfl/tu/fO{ Joj:yf ug]{ gLlt lnO{Psf] 5 .

!*_ ckn]vg vr{ n]vf°g gLlt MsDkgLsf] k|f/lDes vr{nfO{ sDkgL ;+rfngdf cfPsf] jif{df g} vr{ n]vfÍg ug]{ gLlt lnPsf] 5 .

!(_ cGo gLltx? M

!= c;dfKt hf]lvdsf] nflu Joj:yf gLlt M

s _ sDklgn] jflif{s jf ;f] eGbf sd cjlwsf] aLdf z'Ns b/ tf]lsPsf] / aLdf cjlw ;dfKtL jfkt bfjLe'QmfgL ug'{ gkg]{ lsl;dsf] aLdfsf] aLdfÍLo d"NofÍg eO{ cfPsf] cj:yfdf ;f] j/fj/ Joj:yf ug]{ /aLdfÍLo d"NofÍg gePsf] cj:yfdf c;dfKt hf]lvd jfkt v"b aLdf z'Nssf] %)Ü /sd Joj:yf ug]{/ pQm /sdnfO{ kl5Nnf] cfly{s jif{df cfDbfgL n]vfÍg ug]{ gLlt lnO{Psf] 5 .

v_ Psn aLdf z'Ns tf]lsPsf] / aLdf cjlw ;dfKtL jfkt bfjL e'QmfgL ug'{ gkg]{ lsl;dsf] aLdfsf] /sdnfO{ aLdf cjlwsf] ;dfg'kflts x'g]u/L c;dfKt hf]lvd jfkt /sd Joj:yf ug]{ lglt lnO{Psf] 5 .

u_ aLdfÍLaf6 bfloTj lgwf{/0f gePsf] cj:yfdf aLdf cjlw ;dfKtL jfkt bfjL e'QmfgL ug'{ gkg]{lsl;dsf] aLdf Aoj;fosf] cfo Joo lx;fjaf6 x'g cfPsf] jrtnfO{ hLjg aLdf sf]ifdf ;fg]{ gLltlnOPsf] 5 .

43


cg';"rL–@(Plzog nfO{km OG:of]/]G; s+= ln=ljQLo ljj/0f;“u ;DalGwt n]vf ;DalGw l6Kk0fLx?

!_ ;Defljt bfloTjx? M

c_ sDkgLsf] xfn ;Dd r'Qmf jf e'QmfgL x'g afFsL nufgL /sd 5}g .

cf_ xfn sDkgLn] s'g} k|Tofe"lt k|lta4tf u/]sf] 5}g .

O_ sDkgLdf aLdfn]v cGtu{teGbf afx]saf6 cGo s'g} bfjL k/]sf] 5}g .

O{_ sDkgLn] cfˆgf] tkm{af6 s;}nfO{ s'g} Uof/]06L lbPsf] 5}g .

p_ o; cfly{s jif{df sDkgLsf] cGo ;Defljt bfloTj l;h{gf ePsf] 5}g .

@_ sDkgLn] ;+rfngdf NofPsf] hLjg aLdf Joj;fosf] cfly{s jif{ )^^.^& ;Ddsf] sf/f]jf/sf] aLdfÍLo d"NofÍg aLdf;ldlt af6 lglb{i6 Gross Premium Method sf] cfwf/df ul/Psf] 5 .

#_ sDkgLsf] ;DklQdf xfn;Dd s'g} ;Lldttf tyf ljjfbx? 5}gg\ .

$_ sDkgLn] shf{, nufgL tyf l:y/ ;DklQsf] nflu s'g} k|ltj¢tf hgfPsf] 5}g .

%_ c_ sDkgLn] nufgLdf :jfldTj k|fKt u/]sf] 5 .

^_ o; jif{e/L ul/Psf] nufgLsf] ljj/0f M

&+ sDkgLsf] ljQLo ljj/0fdf pNn]v eP cg';f/sf] a}+s tyf ljQLo ;+:yf;+usf] sf/f]jf/sf] lx;fa ldnfg ePsf] 5 . a}+sdf}Hbft lx;fa ;DaGwdf ;DalGwt a}+s÷ljQLo ;+:yfsf] ;dy{g k|fKt ePsf] 5 .

*= o; sDkgLn] k'gaL{ds l;+ufk'/sf] SCOR Global Life SE Singapore Branch ;Fu ePsf] ;+emf}tf adf]lhdsf] b/ /]6cg';f/ )^( cfiff9 d;fGt;Ddsf] sf/f]jf/sf] cfwf/df pQm k'gla{ds SCOR Global Life SE Singapore Branch af6?= ! s/f]8 ^# nfv ^@ xhf/ & ;o (* ?k}+of k};f @) dfq lng afFsL /x]sf] 5 .

(= sDkgLsf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf aLdf ;ldltaf6 tf]lsP adf]lhd /x]sf] 5 .

!)= sDkgLsf] ;+rfns jf ;+rfns;Fu ;DalGwt JolQm jf ;+:yf;Fu sf/f]af/ ePsf] 5}g .

!!= sDkgLn] o; cf=j=df cfˆgf] ;'/If0fdf s'g} C0f lnPsf] 5}g .

!@= cfos/ P]g @)%* adf]lhd s/sf] u0fgf ubf{ s/ of]Uo cfo gePsf]n] s/ ;DaGwL bfloTjsf] Joj:yf ul/Psf] 5}g .

!#= sDkgLn] o; cf= j= df aLdfz'Ns lkmtf{ u/]sf] 5}g .

!$= o; sDkgLn] cf=j= @)^^.)^& ;Ddsf] ladflÍo d'NofÍsg cg';f/ aLldtnfO{ k|bfg ug]{ cGtl/d / 3f]lift af]gz b/?= #% /x]sf] 5 .

!%= o; cf=j= df sDkgLn] l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns lnPsf] 5 tyf aLdfn]vsf] lwtf]df hDdf ?=!,&^,%@,(*)=))shf{ k|bfg u/]sf] 5 / ;f] sf] Jofhb/ !!Ü /x]sf] 5 .

nufgL If]q

g]kfn ;/sf/ / g]kfn /fi6« a}+ssf] C0f kq jf g]kfn ;/sf/sf]hdfgt k|fKt C0f kq÷jrt kq

!= afl0fHo a}+ssf] d'2tL lgIf]k

@= ljsf; a}+ssf] d'2tL lgIf]k

#= klJns lnld6]8 sDkgLsf] l8j]Gr/ tyf z]o/

$= ljQ sDkgLx?sf] d'2lt lgIf]k

%= Jofh k|fKt x'g] cGo lgIf]k

hDdf

nufgL ul/Psf]

/sd

635,400,000.00

1,481,500,000.00

70,000,000.00

120,102,243.44

15,000,000.00

146,477,249.16

2,468,479,492.60

nufgL

k|ltzt

25.74

60.02

2.84

4.87

0.61

5.93

100.00

44


!^= sDkgLsf] ckn]vg x'g afFsL nufgL lk|ldod ?=!,#^,!#,@#^=)) /x]sf] 5 .

!&= r'Qmf k"FhLdWo] clu|d e'QmfgL k|fKt -Paid in advance_, e'QmfgL k|fKt x'g afFsL -Call in arrears_ / hkmt ul/Psf t/k'gM lgisfzg gul/Psf s'g} z]o/ afFsL 5}g .

!*= lnh xf]N8 ;DklQdf o; jif{ vr{ -Amortization_ n]lvPsf] /sd 5}g .

!(= jif{el/ jf;nft aflx/sf] s'g} sf/f]af/ 5}g .

@)= cl3Nnf jif{x?;Fu ;DalGwt s'g} cfDbfgL 5}g .

@!= cGoM

s_ o; cf=j=df >[hgf ePsf] t/ hfgsf/Ldf gcfPsf] Incurred But Not Reported (IBNR) bfjL gePsf] x'Fbf ;f] sf]n]vfÍg ul/Psf] 5}g .

v_ o; cf=j=)^*.^( df k|fKt gfkmfsf] cfwf/df sd{rf/L af]g; jfkt ?=#&,##,&$(.@) sf] Joj:yf ul/Psf] 5 .

u_ cf=j= @)^*.)^( sf] ljlQo ljj/0f adf]lhd k|fKt gfkmf /sdaf6 ?= #,*),)),)))=)) a/fa/sf] af]gz z]o// ;f] sf] s/ k|of]hgsf] nflu ?=@),)),))).)) a/fa/sf] nfef+z ;d]t afF8kmfF8sf] nflu k|:tfj ul/Psf] 5 .

3_ af]gz z]o/ ljt/0fsf] nflu 5'§ØfOP kZrft\ afFsL /xg uPsf] /sd ?=@,&^,@*!=%& tyf cl3Nnf] cf=j= sf]:yug s/ ;dfof]hg ?=^,*(,)^%.&) ;lxt hDdf ?=(,^%,#$&.@& nfO{ hu]8f tyf sf]ifdf ;fl/Psf] 5 .

ª_ sDkgLsf] rf}yf] jflif{s ;fwf/0f ;efsf] lg0f{o adf]lhd cl3Nnf] cf=j=@)^*.)^( sf] ljlQo ljj/0fdf k|:tfjul/Psf] ?=(,&@,)),))).)) a/fa/sf] af]gz z]o/ ljt/0f ubf{ bzdnadf z]o/x? hf/L x'g hfg] ePsf]n] af]gzz]o/ hf/L u/] kZrft\ bzdnjdf sfod ePsf] z]o/x?sf] xsdf yk /sd lnO{ k"0f{ z]o/ hf/L ug]{ / ;f]xLxb;Dd k"FhLdf j[l¢ ug]{ lg0f{o eP cg';f/ yk x'g uPsf] /sd ?= &,^!,*)).)) ;lxt ?=(,&(,^!,*)).)) sf]af]gz z]o/ k"FhLs[t x'g afFsL /x]sf] 5 .

r_ sDkgLn] j}b]lzs DofbL hLjg aLdf cGtu{t @)^& ;fn cflZjg $ ut];Dd u/]sf] sf/f]jf/sf] cfwf/df aLdfÍLod"NofÍg adf]lhd ?=&!,)),))).)) dfq c;dfKt hf]lvd jfkt Joj:yf u/]sf] 5 . sDkgLn] @)^& cflZjg $ut]af6 j}b]lzs DofbL hLjg aLdfn]v hf/L u/]sf] 5}g .

:yugs/ Joj:yfM o; cf=j= df :yug s/ jfkb ?=&,^^,)^,!@&.$* :yug s/ cfDbfgL b]vfO{ ;f]xL /sda/fa/sf] :yug s/ hu]8f sfod ul/Psf] 5 .

5_ o; cf=j=df b]xfo adf]lhdsf] gf]S;fgL Joj:yf ul/Psf] 5 .

shf{ nufgLdf ?=@#,&#,$%(.))

nufgLdf ?= $),*$,*)(=$$

Zf+sf:kb cf;fdL ?= !),))),))).))

h_ of] ljlQo ljj/0f Going Concern dfGotfsf cfwf/df tof/ kfl/Psf] 5 .

em_ sd{rf/L cfjf; tyf sd{rf/L af]g; Joj:yf

>d P]g @)$* adf]lhd sd{rf/L cfjf; JoJf:yfdf /sd 5'6\ofOPsf] 5}g . af]g; P]g @)#) sf] Joj:yf cg';f/s/ Joj:yf cl3sf] v'b gfkmfsf] !) k|ltztn] x'g] /sd sd{rf/L af]g; jfkt vr{ Joj:yf u/]sf] 5 .

`_ ;Da4{ JolQm aLrsf] sf/f]jf/

d'Vo Joj:yfksLo lhDd]jf/L kfPsf] JolQmM >L /d]z s'df/ e§/fO{, k|aGw lgb]{zs tyf >L sdn /fh uf}td,dxfk|aGwsn] o; cf=a=df k|fKt u/]sf] tna eQf tyf ;'ljwfsf] /sd b]xfo adf]hLd /x]sf] 5 .

!= >L /d]z s'df/ e§/fO ?= 63,15,667.00

@= >L sdn /fh uf}td ?= 39,62,857.00

!_ c+ssf] k"gM jlu{s/0f

s_ ut jif{sf c+sx? cfjZostf cg";f/ k"g{jlu{s/0f ul/Psf 5g\ .

45


cg';"rL – #)

k|d'v ;'rsf°x¿

qm=;+=

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

ljj/0f

g]6 jy{

z]o/ ;+Vof

k|lt z]o/ lstfaL d'No

v'b gfkmf

k|lt z]o/ cfo (EPS)

k|lt z]o/ nfef+z (DPS)

k|lt z]o/ ahf/ d'No (MPPS)

d'No cfDbfgL cg'kft (PE Ratio)

k|yd jif{sf] aLdfz'Ns

s'n aLdfz'Ns

v'b aLdfz'Ns÷s'n aLdfz'Ns

v'b gfkmf÷s'n aLdfz'Ns

s'n aLdfz'Ns÷s'n ;Dklt

nufgL / shf{af6 cfo÷s'n nufgL / shf{

s'n nufgL / shf{÷hLjg aLdfsf]if

k'gaL{df sldzg cfo÷s'n k'gaL{df z'Ns

Joj:yfkg vr{÷s'n aLdf z'Ns

aLdf clestf{ ;DalGw vr{÷s'n aLdfz'Ns

aLdf clestf{ ;+Vof

sd{rf/L ;+Vof

sfof{nosf] ;+Vof -laqmL s]Gb| ;lxt_

sd{rf/L vr{÷Joj:yfkg vr{

sd{rf/L vr{÷sd{rf/L ;+Vof

e'QmfgL x'g afFsL bfaL /sd÷e'QmfgL ePsf] bfaL /sd

s'n sfod /x]sf] aLdfn]vsf] ;+Vof

o; jif{ gjLs/0f ePsf] aLdfn]vsf] ;+Vof÷ut jif{

sfod /x]sf] aLdfn]vsf] ;+Vof

bfaL k/]sf] aLdfn]vsf] ;+Vof÷s'n sfod /x]sf]

aLdfn]vsf] ;+Vof

;f]Ne]G;L dflh{g

3f]lift af]g; b/

cGtl/d af]g; b/

;'rsf°x?

¿=

;+Vof

¿=

¿=

¿=

¿=

¿=

cg'kft

¿=

¿=

k|ltzt

k|ltzt

k|ltzt

k|ltzt

k|ltzt

k|ltzt

k|ltzt

k|ltzt

;+Vof

;+Vof

;+Vof

k|ltzt

¿=

k|ltzt

;+Vof

k|ltzt

k|ltzt

k|ltzt

¿=

k|ltxhf/

¿=

k|ltxhf/

67/68

512,363,835

3,600,000

142.32

44,892,444

12.47

-

173

13.87

379,956,266

939,174,048

98.65

4.78

45.72

8.49

133.51

7.49

17.78

26.71

33091

225

105

26.55

197,054.37

0.05

275,405

0.45

0.17

-

35

35

66/67

371,266,817

3,600,000

103.13

59,937,014

16.65

28.15

257.00

15.44

563,270,960

820,367,869

91.89

7.31

67.89

6.86

171.10

0.89

6.80

21.57

21500

166

55

44.63

150,034.54

0.02

268,361

0.38

0.11

-

-

-

cf= a=

68/6968/6968/6968/6968/69

624,964,702

3,600,000

173.60

113,911,801

31.64

8.73

189

5.97

278,888,922

1,037,610,301

99.65

10.98

36.01

8.41

118.66

13.30

19.80

24.04

41872

238

114

24.80

214,115.27

0.16

227,086

0.59

0.13

-

35

35

46


cg';

"rL–

#!

aLdf

°sf] ljj/

0f

aLdf

sf] ls

l;d

o; j

if{

6

7,06

3

7,620

83,5

17

31,3

06

23,3

28

212

,834

212

,834

212

,834

212

,834

212

,834

qm=;

=

ut j

if{

63

,028

7,181

72,65

5

28,144

104

,397

275

,405

275

,405

275

,405

275

,405

275

,405

o; j

if{

5,98

4,93

0,33

1

685

,013

,000

6,762

,174,

671

2,921

,329,00

0

11,6

64,000

,000

28,

017,44

7,00

228

,017

,447

,002

28,0

17,4

47,0

0228

,017

,447

,002

28,0

17,4

47,0

02

ut j

if{

5,039

,496

,521

579

,796

,899

5,33

5,34

0,59

9

2,34

4,98

7,59

5

52,19

8,50

0,00

0

65,49

8,12

1,61

4 6

5,49

8,12

1,61

4 6

5,49

8,12

1,61

4 6

5,49

8,12

1,61

4 6

5,49

8,12

1,61

4

ut j

if{

1

16,500

,189

17,81

4,98

8

115

,783

,227

91,3

28,008

31,3

19,10

0,00

0

31,66

0,52

6,41

2 3

1,66

0,52

6,41

2 3

1,66

0,52

6,41

2 3

1,66

0,52

6,41

2 3

1,66

0,52

6,41

2

sfod

/x]sf

aLdf

n]vsf] ;+V

ofsfod

/x]sf] aLdf

n]v c

Gtu{t

hDd

faLdf

°;d

P6

l/:s

(Sum

at R

isk)

k'gaL{ds

nfO{ x

:tfGt

/0f ul/P

sf] ;

d

P6 l/:

s (S

um a

t Ris

k)

ut j

if{

5,39

2,76

3,930

615

,899

,000

5,644

,799

,871

2,4

80,205

,500

52,19

8,50

0,00

0

66,33

2,16

8,30

1 6

6,33

2,16

8,30

1 6

6,33

2,16

8,30

1 6

6,33

2,16

8,30

1 6

6,33

2,16

8,30

1

o; j

if{

5,38

4,54

2,21

3

621

,198,

668

6,17

0,84

6,90

0

2,675

,194,

696

11,6

64,000

,000

26,51

5,78

2,47

7 2

6,51

5,78

2,47

7 2

6,51

5,78

2,47

7 2

6,51

5,78

2,47

7 2

6,51

5,78

2,47

7

o; j

if{

236

,270

,935

31,0

63,005

22,62

5,74

6

163

,076

,412

6,998

,400

,000

7,4

51,4

36,0

98 7

,451

,436

,098

7,4

51,4

36,0

98 7

,451

,436

,098

7,4

51,4

36,0

98

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47


-s_ sDkgL ;DaGwL ;fdfGo hfgsf/L M!_ ;+:yfkgf ldlt M g]kfn ;/sf/ sDkgL /lhi6«f/sf] sfof{nodf ldlt @)^$.)&.@& df btf{ g+= !)#@÷)^$÷^% af6 ljlwjt

sDkgL btf{ ul/Psf] 5 .

@_ sDkgL btf{sf] k|df0fkq kfPsf] ldlt M aLdf ;ldlt, rfjxLn, sf7df8f}af6 ldlt @)^$÷!!÷!% df sDkgLn] g]kfn clw/fHoe/L aLdf sf/f]jf/ ug{ Ohfhtkq k|fKt u/]sf] 5 .

#_ sDkgLn] cg'dtL kfPsf] aLdf Joj;fosf] lsl;d / k|sf/ M hLjg jLdf .

$_ sDkgLn] Joj;fo k|f/De u/]sf] ldlt M sDkgLn] @)^$.!@.@! b]lv sf7df8f}df hLjg aLdf ;DaGwL sf/f]jf/sf] k|f/De u/]sf]xf] .

-v_ sDkgLsf] ;+rfns ;ldltn] b]xfosf a'“bfx? ;+rfns ;ldltsf] @)^(÷)*÷!# sf] a}7saf6 k|dfl0ft ul/Psf] 5 M!= sDkgLn] aLdf ;ldltjf6 cf=j= )^(÷&) r}q d;fGt;Ddsf] nflu gljs/0f ul/;s]sf]n] k|df0fkqsf] j}wtf sfod /x]sf]

5 .

@= sfg"g adf]lhd sDkgLn] ltg'{, a'emfpg' kg]{ s/, ;]jf, z'Ns ;DalGwt lgsfodf a'emfO;s]sf] 5 . sDkgLn] s'g} b08hl/jfgf aemfpg' kg]{ jf afFsL /x]sf] 5}g .

#= sDkgLsf] z]o/ :jfldTjsf] ;+/rgf k|rlnt sfg"gL Joj:yf, aLdf ;ldltsf] lgb]{zg / sDkgL P]g adf]lhd /x]sf] 5 .

$= aLdf ;ldltsf] lgb]{zg cg'?k Solvency Margin sfod ul/g] 5 .

%= -s_ jf:tljs ?kdf k|fKt x'g ;Sg] d"No÷ahf/ d"NoeGbf jf;nftsf] ldltdf sDkgLsf] ljQLo ljj/0fdf ;dfj]z ul/Psf;Dk"0f{ ;DklQx?sf] d"No a9L /x]sf] 5}g .

-v_ a'Fbf -s_ adf]lhdsf] ;DklQsf] d"No t'ngf ug{ k/n d'No, k|rlnt ahf/ d"No / cfos/ P]g adf]lhd 36\bf] k2ltdfx|f; sl§ u/L] ;DklQsf] afFsL d"No cfwf/ dflgPsf] 5 .

^= Ohfht k|fKt x'g' cl3 aLdf ;ldltsf] zt{ cg';f/ kZrft sfg'gL Joj:yfsf] kl/lw leq /xL nufgL ul/Psf] 5 .

&= sDkgLnfO{ cfO{ kg{ ;Sg] ;Dk"0f{ hf]lvdx? tyf ;f]sf] lg/fs/0fsf nflu aLdf ;ldltn] hf/L u/]sf] lgb]{zfg';f/, n]vfkl/Ifsn]cf}NofP cg';f/ / sDkgL ;+rfns ;ldltaf6 kfl/t u/fO{ nfu' u/]sf hf]lvd Joj:yfkg gLlt cjnDag ul/Psf] 5 .

*= sDkgLsf] g]kfn aflx/ s'g} sfof{no /x]sf] 5}g .

(= ljQLo ljj/0f tof/ ubf{ k|rlnt aLdf P]g, @)$( aLdf lgodfjnL, @)$( / ;f] cGtu{t hf/L ul/Psf aLdf ;ldltsf]cfb]z jf lgb]{zg, sDkgL P]g @)^# tyf cGo sfg"gx? tyf n]vfdfg, n]vfsf] l;4fGt / gLltx? kfngf ul/Psf] 5 .

!)= -s_ sDkgLn] pko'Qm n]vf gLlt cjnDag u/]sf], ;f]sf] k|of]udf Ps ?ktf sfod u/]sf] / To:tf] gLltsf] k/LIf0f u/Lpko'Qmtf Plsg u/]sf] 5 .

-v_ sDkgLsf] ljQLo ljj/0fn] jf;nftsf] ldltdf aLdssf] gfkmf gf]S;fg nufotsf ljQLo cj:yfsf] oyfy{ tyf jf:tljslrq0f ub{5 .

!!= sDkgLsf] ;+rfns ;ldltn] sDkgLsf] ;DklQsf] ;'/Iffsf] nflu tyf hfn;fhL jf cGo clgoldttf kQf nufpg / /f]Sgsfnflu pko'Qm / kof{Kt Joj:yf u/]sf] 5 .

!@= sDkgLn] "going concern basis" df cfˆgf] ljQLo ljj/0f tof/ u/]sf] 5 .

!#= sDkgLn] o; cf=j= df afxo >f]taf6 cfGtl/s n]vfkl/Ifs lgo'Qm u/L cfˆgf] sf/f]jf/sf] cfGtl/s n]vfkl/If0f u/fOPsf]5 .

!$= k|rlnt aLdf P]g, @)$( tyf sDkgL P]g @)^# / ;f] cGtu{tsf lgodfjnL, cfb]z jf lgb]{zgsf] k|lts'n x'g] u/L s'g}JolQm, kmd{, sDkgL tyf aLdssf] ;+rfns jf ;+rfnssf] :jfy{ /x]sf] ;+:yf;+u sf/f]af/ ul/Psf] 5}g .

!%= cf=j= @)^*÷^( df aLdf ;ldltn] sDkgLnfO{ gub nfef+z ljt/0f ;DaGwdf sf/f]jf/ /f]Ssf u/L ?=#%,))).)) hl/jfgfu/]sf]df ldlt @)^*.!!.@@ df sf/f]jf/ km's'jf ul/;s]sf] 5 .

Plzog nfO{km OG:of]/]G; s+= ln=k|wfg sfof{no, sf7df8f}+sf] cf=a=)^*÷^( sf]

Joj:yfkg k|ltj]bgkl/lzi6–!

-lgb]{zg–% ;+u ;DalGwt_

48


Plzog nfO{km OG:of]/]G; s+= ln=

ljz]if k|:tfj g+ % ;“u ;DalGwt k|:tfljt ;+zf]wgsf] ljj/0fMk|aGw kqdf ug'{ kg]{ ;+zf]wg

sDkgLsf] k"FhLsf] ;+/rgfM sDkgLsf]k"FhLsf] ;+/rgf b]xfo adf]lhd x'g]5 M–

sDkgLsf] clws[t kF"hL?=%),)),)),))).– -cIf?kLkrf; s/f]8_ x'g]5 . ;f] k"FhLnfO{?=!)).– b/sf %)))))).– -krf;nfv_ yfg ;fwf/0f z]o/df laefhgul/Psf] 5 .

sDkgLn] tTsfn hf/L ug]{ z]o/k"FhL ?=%),)),)),))).– -krf;s/f]8_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/?=!)).– b/sf %),)),))).–-krf; nfv_ yfg ;fwf/0f z]o/dflaefhg u/LPsf]5 .

sDkgLsf] tTsfn r'Qmf k"FhL?=$%,&(,^!,*)).– -k+}tfln; s/f]8pgf;L nfv Ps;7L xhf/ cf7 ;o_x'g]5 . ;f] k"FhLnfO{ k|lt z]o/?=!)).– b/sf] $%,&(,^!* yfg;fwf/0f z]o/df ljefhg u/LPsf] 5 .

sDkgLsf] clws[t kF"hL?=!,)),)),)),))).– -cIf?kLPs c/a_ x'g]5 . ;f] k"FhLnfO{?=!)).– b/sf] !,)),)),)))-Ps s/f]8_ yfg ;fwf/0f z]o/dfljefhg ul/Psf] 5 .

sDkgLn] tTsfn hf/L ug]{ z]o/k"FhL ?=^),)),)),))).–

-;f7L s/f]8_ x'g]5 . ;f] k"FhLnfO{k|lt z]o/ ?=!)).– b/sf^),)),))) -;f7L nfv_ yfg;fwf/0f z]o/df laefhg ul/Psf] 5 .

sDkgLsf] tTsfn r'Qmf k"FhL?=%@,@&,%*,!)).– -afjGg s/f]8;QfO{; nfv cg7fpGg xhf/ Ps;o_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/?=!)).– b/sf] %@,@&,%*! yfg;fwf/0f z]o/df laefhgul/Psf] 5 .

;fljssf z]o/wgLx?n] xsk|b z]o/vl/b ug]{ xs cGo s'g} JolQm jf;+:yfnfO{ x:tfGt/0f lwtf]kq btf{tyf lg:sfzg lgodfjnL @)^%adf]lhd ug{ ;Sg] 5 .

af]g; z]o/ tyf xsk|b z]o/ hf/Lu/L sDkgLsf] kF"hL j[l4

ug{ .

af]g; z]o/ tyf xsk|b z]o/ hf/Lu/L sDkgLsf] kF"hL a[l4 ug{ .

af]g; z]o/ tyf xsk|b z]o/ hf/Lu/L sDkgLsf] kF"hL j[l4 ug{ .

lwtf]kq btf{ tyf lg:sfzglgodfjnL @)^% adf]lhd ykJoj:yf ug'{kg]{ ePsf]n] .

^=

^=!=s_

^=!=v_

^=!=3_

*=5_

k|aGwkqsf]bkmf k|:tfljt ;+zf]wg / yk ;+zf]wg / yk ug'{sf] sf/0fxfnsf] Joj:yf

;fljssf z]o/wgLx?n] xsk|b z]o/vl/b ug]{ xs cGo s'g} JolQm jf;+:yfnfO{ x:tfGt/0f lwtf]kq btf{tyf lg:sfzg lgodfjnL @)^%adf]lhd ug{ ;Sg]5 .

lwtf]kq btf{ tyf lg:sfzglgodfjnL @)^% adf]lhd ykJoj:yf ug'{ kg]{ ePsf]n] .

!@ -#_

lgodfjnLsf]bkmf k|:tfljt ;+zf]wg / yk ;+zf]wg / yk ug'{sf] sf/0fxfnsf] Joj:yf

lgodfjnLdf ug'{ kg]{ ;+zf]wg

49


Joj:yfkgsf] egfO{!= lj=;+= @)&) ;fn;Dd ?= %) s/f]8 r'Qmf kF"+hL k'¥ofpg sDkgL k|lta¢ 5 .

@= aLdf ;ldltn] hf/L u/]sf] ;+:yfug ;'zf;g ;DaGwL lgb]{lzsf @)^( sf] k"0f{ kfngf ul/g] 5 .

#= sDkgLn] nufgL ubf{ aLdf ;ldltsf] nufgL lglt cg'?k x'g] u/L nufgL ul/g] 5 .

$= l:y/ ;DklQ vl/b÷laqmL ;DaGwdf aLdf ;ldltn] hf/L u/]sf] lgb]{zg cg'?k ;DklQ vl/b÷laqmL ul/g] 5 .

%= aLdf ;ldltsf] lgb]{zg cg'?k ljlQo ljj/0f :jLs[t ePsf] ̂ ) lbg leq} sDkgLsf] jflif{s ;fwf/0f ;ef ul/g] 5 .

^= n]vfkl/Ifsn] cf}+NofPsf s}lkmot ;'wf/ ;DaGwdf s]xL s}lkmotx? tTsfn ;'wf/ ul/Psf] / s]xL eljiodf ;'wf/ ub}{ nlug] 5 .

50


gf]6 M

51


gf]6 M

52


gf]6 M

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