awmiaclw gedoru aimwrwtckurumwsc - bank of maldives · swfchw 01 ge 1 awmiaclw gedoru...

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swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc kwscTwmwruge nwncbwru: lOnu rifwrencsc nwncbwru: xwrututwac mwtIgwaivW xwrututwac hwmwvWnwmw mi fOmu furuacvumwScfwhu mi fOmWaeku huSwhwLwncjehE liyekiyunctwkWaeku bEnckugwai aekwauncTc aopwrETc kurwacvW bcrWncCwSc huSwhwLuacvWSeve. xwrutuhwmwvW aumuru mi lOnwSc aedi huSwhwLW fwrWtwkI aumurunc 81 awhwrW 06 awhwrW demeduge fwrWteac kwmugwai vWncvWneaeve. aumurunc 06 awhwru furifwaivW fwrWteac nwmw aituru fwrWtwkWaeku lOnwSc aedi huSwheLidWneaeve. awmiaclwawSc kurwnc jehE Kwrwdu mwduvegenc pcrojekcTcge jumclw awguge %03 Kwrwdu awmiaclwawSc kurwncvWneaeve. lOnwSc aedi huSwawLWairu mi KwrwdukoScfwaivWnwmw aekwmuge liyunc huSwawLwncvWneaeve. awmiaclwawSc kurwncjehE KwrwdukoScfwainuvWnwmw ae Kwrwdu kurWne gotc huSwawLwncvWneaeve. lOnu awnburW deackumwSc libE muacdwtu lOnu awnburW deackumwSc aencme digumuacdwteacge gotugwai kwnDwaeLifwaivwnI 51 awhwru )081 mwsc duvwsc(aeve. lOnu awnburW deackumuge muacdwtu kwnDwaeLEnI lOnu awnburW deackumuge qWbilukwmwSc belumwScfwhugwaeve. lOnu awnburW deackumuge qWbilukwnc lOnwSc aedi huSwhwLW fwrWtwSc hurihW gotwkunc mwheacge mwacCwSc libE sWfu aWmcdwnIawkI lOnwSc awnburW dwackwncjehE fwaisW deackEvwruge aWmcdwnI aeackwmugwai vWncvWneaeve. awdi vEtuvediyw 21 mwscduvwhuge aWmcdwnI bIaemcaelcge aekwauncTugwai dwauruvefwai huncnwnc jehEneaeve. rwhunu rwhunuge gotugwai aWncmukoSc bEnckunc qwbUlckurWnI gOtigedorWai auLwndufwhwreve. nwmwvesc hwmwaekwni auLwndeac rwhunuge gotugwai huSwhwLWnwmw, aehuSwheLunc bwlwainugwtumuge aiKctiyWru bEnckwSc libigencveaeve. lOnuge dwSunc fwainEncsckurevE twnc nuvwtw aimWrWtc lOnuge rwhunuge gotugwai bwhwacTwnc jehEneaeve. awdi rwhunuge gotugwai huSwhwLW mudwluge awgu, nwgW lOnuge %051 awSc vure dwScvegenc nuvWneaeve. rwhunukurevE mudW aincxuawrencsc kurevEnI bIaemcaelc aincxuawrencsc meduveri koScgencneve. nwgwncjehE huacdwtwac lOnwSc aedi huSwhwLW fwrWtunc aimWrWtckurumwSc bEnuncvW huacdwtwac kwmWbehE fwrWtctwkunc hOdwncvWneaeve. lOnwSc aedE fwrWtwkI twnuge verifwrWtckwmugwai nuvWnwmw, aimWrWtckurumwScTwkwai twnuge verifwrWtWaeku aeacbwscvumeac hwdWfwai aoncnwncvWneaeve. mi aeacbwscvumugwai twnc rwhunukurumWai kuacywScdinumuge aiKctiyWru kuacywSc hifWfwrWtwSc dIfwai aoncnwncvWneaeve. BANK OF MALDIVES VERSION (FEBRUARY/2019)

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Page 1: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

swfcHW 01 ge 1

awmiaclw gedoru aimWrWtckurumwSc

umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb

hwmwaekwni bEnckuge bEnumwSc

kwscTwmwruge nwncbwru:

lOnu rifwrencsc nwncbwru:

xwrututwac

mwtIgwaivW xwrututwac hwmwvWnwmw mi fOmu furuacvumwScfwhu mi fOmWaeku huSwhwLwncjehE liyekiyunctwkWaeku bEnckugwai aekwauncTc aopwrETc kurwacvW bcrWncCwSc huSwhwLuacvWSeve.

xwrutuhwmwvW aumuru

mi lOnwSc aedi huSwhwLW fwrWtwkI aumurunc 81 awhwrW 06 awhwrW demeduge fwrWteac kwmugwai vWncvWneaeve. aumurunc 06 awhwru furifwaivW fwrWteac nwmw aituru fwrWtwkWaeku lOnwSc aedi huSwheLidWneaeve.

awmiaclwawSc kurwnc jehE Kwrwdu

mwduvegenc pcrojekcTcge jumclw awguge %03 Kwrwdu awmiaclwawSc kurwncvWneaeve. lOnwSc aedi huSwawLWairu mi KwrwdukoScfwaivWnwmw aekwmuge liyunc huSwawLwncvWneaeve. awmiaclwawSc kurwncjehE KwrwdukoScfwainuvWnwmw ae Kwrwdu kurWne gotc huSwawLwncvWneaeve.

lOnu awnburW deackumwSc libE muacdwtu

lOnu awnburW deackumwSc aencme digumuacdwteacge gotugwai kwnDwaeLifwaivwnI 51 awhwru )081 mwsc duvwsc(aeve. lOnu awnburW deackumuge muacdwtu kwnDwaeLEnI lOnu awnburW deackumuge qWbilukwmwSc belumwScfwhugwaeve.

lOnu awnburW deackumuge qWbilukwnc

lOnwSc aedi huSwhwLW fwrWtwSc hurihW gotwkunc mwheacge mwacCwSc libE sWfu aWmcdwnIawkI lOnwSc awnburW dwackwncjehE fwaisW deackEvwruge aWmcdwnI aeackwmugwai vWncvWneaeve. awdi vEtuvediyw 21 mwscduvwhuge aWmcdwnI bIaemcaelcge aekwauncTugwai dwauruvefwai huncnwnc jehEneaeve.

rwhunu

rwhunuge gotugwai aWncmukoSc bEnckunc qwbUlckurWnI gOtigedorWai auLwndufwhwreve. nwmwvesc hwmwaekwni auLwndeac rwhunuge gotugwai huSwhwLWnwmw, aehuSwheLunc bwlwainugwtumuge aiKctiyWru bEnckwSc libigencveaeve. lOnuge dwSunc fwainEncsckurevE twnc nuvwtw aimWrWtc lOnuge rwhunuge gotugwai bwhwacTwnc jehEneaeve. awdi rwhunuge gotugwai huSwhwLW mudwluge awgu, nwgW lOnuge %051 awSc vure dwScvegenc nuvWneaeve. rwhunukurevE mudW aincxuawrencsc kurevEnI bIaemcaelc aincxuawrencsc meduveri koScgencneve.

nwgwncjehE huacdwtwac

lOnwSc aedi huSwhwLW fwrWtunc aimWrWtckurumwSc bEnuncvW huacdwtwac kwmWbehE fwrWtctwkunc hOdwncvWneaeve. lOnwSc aedE fwrWtwkI twnuge verifwrWtckwmugwai nuvWnwmw, aimWrWtckurumwScTwkwai twnuge verifwrWtWaeku aeacbwscvumeac hwdWfwai aoncnwncvWneaeve. mi aeacbwscvumugwai twnc rwhunukurumWai kuacywScdinumuge aiKctiyWru kuacywSc hifWfwrWtwSc dIfwai aoncnwncvWneaeve.

BANK OF MALDIVES

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Page 2: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

sekcxwnc 1 twfcBIlc lOnwSc aedE fwrWtuge

furihwmw nwnc

furihwmw nwnc

awaiDI kWDu nwncbwruaumuru

awaiDI kWDu nwncbwru

guLEne nwncbwru

guLEne nwncbwru

kurW mwswackwtc

kurW mwswackwtcmusWrw / aWmcdwnI

mwswackwtckurW twncvwzIfWgwai hEdwvi muacdwtu

twAulImI fencvwru

dwrincge awdwdu

lOnugwai bwaiverivW fwrWtctwkuge awdwdu

kwaivenIge gotunc huri gotc

aindegenc auLE mIhWge mwAulUmWtu

)guLE dimWlugwai fWhwgw jwacswvW(

)hurihW kwaivencNwkunc(81 awhwrunc dwSc

bEnckc / bcrWncCcaekwauncTu nwncbwrufwaisWge bWvwtc

lOnugwai bwaiverivW fwrWtctwkW huri guLunc

81 awhwrunc mwti

)lOnwSc aedi huSwhwLwnI aekwkwScvure ginw fwrWtcnwmw, bwaiverivW koncme fwrWtwkunc sekcxwnc 1 nc 6 Sc furihwmw kurumwScfwhu huSwhwLuacvW(

aO levelcaE levelcDipclomWfurwtwmw DigcrI

mIhwkW nuainde

pOscTc gcrejuaETcaehenihenc)twfcBIlc bwyWnc kurwacvW(

vwrivefwai

mIhwkW aindegenchuvwfwtc vefwai

)guLE dimWlugwai fWhwgw jwacswvW(

mihWru auLE aeDcresc

dWaimI aeDcresc

sekcxwnc 2 aekwauncTcge twfcBIlc

Dolwru rufiyW

Dolwru rufiyW

Dolwru rufiyW

Dolwru rufiyW

swfcHW 01 ge 2BANK OF MALDIVES

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Page 3: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

aWn, aincxuawrkurevifwaivW hurihW aeseTctwac bwyWnckurwacvW nUnc aeseTcvwnI aincxuawrkurwacvWfwaitO?

viywfWribEnumwSc gencguLuacvW aeseTctwkuge twfcBIlc

sekcxwnc 3 aWmcdwnI aWai Kwrwdutwkuge twfcBIlc

sekcxwnc 4 lOnwSc aedi huSwhwLW fwrWtuge milckugwaivW hwrumudW

mwheacge mwacCwSc aevwrEjckoSc libE aWmcdwnI

mwheacge mwacCwSc aeverEjckoSckurevE Kwrwdutwac

mwheacge sWfu aWmcdwnI

)mwaigwnDu Kwrwdutwkuge twfcBIlcdeacvW(

twfcBIlc

musWrw

dWaimI aelwvwncsctwac

kuli

kuli

keaincbuainc

awsWsI KidumwtctwkWai bilctwac

sckUlc Kwrwdutwac

mihWru huri lOnutwkwSc dwackwncjehE awdwdu

fikcscDc DiposiTc

mudwluge nwncqwaumumudWvwnI rwhunu kurevifwaitO? mudWvwnI aincxuawr kurevifwaitO?

aWn aWn

aWn aWn

nUnc nUnc

nUnc nUnc

nuaufulE mudW )tirIgwai twfcBIlc deacvW(

aufulE mudW )goLIgwai awdwdu jwacswvW(

moTOswaikwlc

aeseTctwkuge awdwduawhwrI aWmcdwnI

auLwndu kWruaehenihenc )twfcBIlc bwyWnckurwacvW(

pcroviDencTc fwncDuHiacBWpencxwnc fwncDu

aehenihenc dwrwnIge muAWMwlWtctwkwSc dwackwncjehE awdwdu

viywfWrinc libE sWfu aWmcdwnI

aehenihenc )bwyWnckurwacvW(

aehenihenc )bwyWnckurwacvW(

awdwdubEnckcaekwauncTu nwncbwru

jumclw aWmcdwnI

jumclw Kwrwdu

twfcBIlcawdwdu

swfcHW 01 ge 3

aWmcdwnI dwauruvW aekwauncTWbehE mwAulUmWtu

guLE goLIgwai fWhwgw jwacswvW

BANK OF MALDIVES

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Page 4: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

1

2

3

4

sekcxwnc 5 dwrwni / kcreDiTc fesiliTIge twfcBIlc

sekcxwnc 6 guLunc huri viywfWritwkuge twfcBIlc

mihWru huri lOnc awdi aehenc fwrWtwkunc hOdWfwaivW fwaisW

aehenc fwrWtctwkwSc dIfwaivW awmiaclw nuvwtw kuncfunIge gerencTI

aehenc fwrWtctwkwSc dIfwaivW rwhunuge twfcBIlc

aehenihenc kcreDiTc fesiliTI

kcreDiTc kWDc

dUkuri fwrWtuge nwnc

aeacvesc kuncfuncNeacge hiacsW nuvwtw DirekcTwruncge bODugwai himenE nwmw, tirIgwai twfcBIlc deacvW

lOnu nwgWfwaivW fwrWtuge nwmWai awaiDI kWDu nwncbwru

kuncfunIge nwnc rwjiscTcrI nwncbwru rwjiscTcrIkuri tWrIKcHiacBWge aincswactw)%(

lOnu nwgWfwaivW fwrWtuge nwmWai awaiDI kWDu nwncbwru

dUkuri fwrWtuge nwnc

dUkuri fwrWtc

nwgWfwaivW awdwdu

dUkoScfwaivW fwrWtc

dIfwaivW rwhunudUkoScfwaivW bEnckc / fwrWtc

nwgWfwaivW awdwdu

kWDuge bWvwtc

bEnunc

bEnunc

kWDuge limiTc

lOnwSc nudwackWhuri awdwdu

lOnuge bWvwtc

lOnuge bEnunclOnwSc nudwackWhuri awdwdu

lOnwSc nudwackWhuri awdwdu

kWDwSc nudwackWhuri awdwdu

rwhunu

gerencTI dIfwaivW awdwdu

rwhunu

muacdwtu hwmwvW tWrIKc

swfcHW 01 ge 4

)kcreDiTc sckImctwkWai aelcsI awdi aOvwrDcrWfcTc fwdw muAWmwlWtctwac(

BANK OF MALDIVES

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Page 5: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

sekcxwnc 7 fwainEncsckurW mwxcrUauge twfcBIlc

twnuge verifwrWtuge nwnc

ge awlwSc aimWrWtckurumwSc

mwswackwtc feSumwSc hwmwjehifwaivW tWrIKc

mwswackwtc fwSWfwaivWnwmw, nimifwaivW niscbwtc )%(

mi fwaisWainc nincmumwSc gwsctukurW mwswackwtc

aimWrWtc bEnunckurumwSc gwsctukurW gotc

fwncgifilWfwncgifilWge twfcBIlcmihWru libE kulilibEnekwmwSc lwfWkurW kuli

mwswackwtc nincmEnekwmwSc lwfWkurW tWrIKc

ge mwrWmWtukurumwSc

gEge aimWrWtc aiturwSc boDukurumwSc

kurinc nwgWfwaivW lOneac awnburW deackumwSc )lOnu nwgWfwaivW twnc(lOnwSc nudwackWhuri awdwdu

aehenihenc )bwyWnckurwacvW(

nwgWfwaivW lOnuge awdwduaituru kurwncvI

awgwSc awai bwdwlWai guLigenckuriawSc aotc fiywvwhi nincmumwSc

ge hedumwSc nwgWfwaivW lOneac aiturukurumwSc

1

1

2

3

4

5

6

7

8

9

01

11

aimWrWtckurumuge mwswackwtckurWnIkoncTcrekcTwrwkW HwvWlukoScgencswbckoncTcrekcTwreacdigumuacdwtwSc kuacywSc hifwaigenc

2

awaiDI kWDu nwncbwru

fwainEncsckurW twnuge nwnc

bEnunc

aehenihenc twfcBIlc

swfcHW 01 ge 5

awmiaclwawSc

bimuge boDuminc )awkwfUTUnc(aimWrWtckurW twnuge boDuminc )awkwfUTUnc(

BANK OF MALDIVES

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Page 6: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

lOnu awnburW deackumwSc huSwhwLWW gotc

lOnuge fwaisW jwmWkurumW awdi lOnwSc awnburW dwackwncjehE fwaisW aWai fItwac kwnDwncvI aekwauncTuge twfcBIlc

ge / viywfWri kurW twneac / binc rwhunu kurWnwmw

gcrEsc pIriawDc )mwhunc(

lOnu awnburW dwackWne muacdwtu )gcrEsc pIriawDWaeku(

mwhwku dwackwnc bEnuncvW awdwdu )gcrEsc pIriawDwScfwhu(

lOnuge fwaisW jwmWkurwncvI aekwauncTc

twnuge nwnc

rwjiscTcrI nwncbwrurwjiscTcrIkoScfwaivW aofIsc

huri twncbimuge boDuminc

aimWrWtckuri awhwruaimWrWtckurevifwaivW twnuge boDuminc

bimuge bWvwtcawmiaclwbwncDWrwaeacmeduviywfWri

twnuge bWvwtc

bEnunckurW gotc

rwhunuge awgu*

aimWrWtcfcleTc / aepWTcmwncTcbinc

lOnwSc awnburW dwackwncjehE fwaisW kwnDwncvI aekwauncTc

lOnu awnburW deackumuge muacdwtWai awdwdu kwnDwaeLEnI bEnckunctwacyWrukurW xeDiaulcaWai aeacgotcvW gotuge mwtIncneve. lOnu nwgWfwrWtunc huSwhwLW awgWai muacdwtW twfWtuvunc aekwSIgencveaeve.

deackEne aencme mwtI awdwdu

awhwrumwsc

)gcrEsc pIriawDcgwaivesc mwhwkwSc dwackwncjehE aincTwrescTc dwackwncjehEneaeve(

fwaisWge bWvwtc

bEnckunc aencme ginwvegenc dEnI mwxcrUauge jumclw awguge %07 aeve. mwxcrUauge jumclw awguge %07 awScvure aituruvW mincvwreac awmiaclw fwaisWainc mwxcrUawSc aincvescTckoScfwai nuvWnwmw belevEnI ae mincvwrwkI lOnu nwgW fwrWtunc mwxcrUawSc aincvescTc kurwncjehE mincvwru kwmugwaeve.

)aeac twnwScvure ginw twnc rwhunu kurWnwmw, koncme twnwkwSc mi sekcxwnc furihwmw kurumwScfwhu huSwhwLuacvW(

mwxcrUauge jumclw awgu

awmiaclwawSc koScfwaivW Kwrwdu

awmiaclwawSc aiturwSc kurWne Kwrwdu

awmiaclwawSc KwrwdukoScfwaivwnIawmiaclw fwaisWaehenc fwrWtwkunc fwaisW nwgwaigenc, twfcBIlc sekcxwnc 5 gwai bwyWnc kurwacvW

lOnuge jumclw awdwdu

rufiyW

sekcxwnc 8 bEnuncvW lOnuge twfcBIlc

sekcxwnc 9 rwhunuge gotugwai bwhwacTW mudwluge twfcBIlc

aehenihenc )bwyWnckurwacvW(

aehenihenc )bwyWnckurwacvW(

diriauLumwSckuacywScdIfwai, mwheacge mwacCwSc libE aWmcdwnI bwyWnckurwacvW

swfcHW 01 ge 6BANK OF MALDIVES

aincxuawrencsc Pcrimiawmc deackumwSc huSwhwLWW gotc

lOnuge muacdwtwSc

aincxuawrencsc PcrimiawmcawScvW fwaisWge awdwdu aekwauncTunc aunikurumwSc

bEnckc meduverikoSc )lOnu fwaisWge terEgwai lOnuge muacdwtwScvW aincxuawrencsc Pcrimiawmcge awdwdu himenE(

awhwrwku aeac fwhwru

aincxuawrencsc PcrimiawmcawScvW fwaisWge awdwdu aekwauncTunc aunikurumwSc

lOnwSc awnburW dwackW fwaisW, aincxuawrencsc Pcrimiawmc awdi aehenihenc fI aunikurwncvI aekwauncTc

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Page 7: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

verifwrWtc 2verifwrWtc 3verifwrWtc 4 verifwrWtc 1

rwhunukurW mudwluge verifwrWtuge twfcBIlc)mudwluge verifwrWtc 4 fwrWtwScvure ginwnwmw, vwki gwnDeacgwai tirIgwaivW mwAulUmWtu furihwmwkurumwScfwhu aeTECc kurwacvW(

mihWru koScfwaivW rwhunutwkuge twfcBIlc

furihwmw nwnc

awaiDI kWDu nwncbwru

awaiDI kWDu nwncbwrulOnu dUkoScfwaivW bEnckc / fwrWtclOnuge bEnunclOnwSc nudwackWhuri awdwdu hwrumudW rwhunukoScgenc lOnu nwgWfwaivW fwrWtuge nwmWai aeDcresc

mihWru auLE aeDcresc

lOnwSc rwhunukurW mudW / aeseTc

belumuge dwSugwaivW fwrWtctwkuge awdwdu

belumuge dwSugwaivW fwrWtctwac mihWru auLE aeDcresc

lOnu nwgW fwrWtW huri guLunc

rwhunukurumwSc huSwhwLW twnc mihWruvesc rwhunu kurevifwaitO?aWn )tirIgwaivW tWvwlc furuacvW(nUnc

aumuru

swfcHW 01 ge 7BANK OF MALDIVES

auLwndeac rwhunukurWnwmw

aehenc rwhuneac

)aeac auLwndwScvure ginw auLwndu rwhunu kurWnwmw, koncme auLwndwkwSc mi bwai furihwmw kurumwScfwhu huSwhwLuacvW(

auLwnduge nwnc

auLwnduge bWvwtc

fwSwnuge bWvwtcTwnEjcaencme fwhunc aOvwrhOlckuri tWrIKc

rwjiscTcrI nwncbwru

bwndefwaivW awhwrudigu minc

bEnunckurW gotc

rwhunuge awgu*

)twfcBIlc deacvW(:

awmiaclw bEnumwScviywfWri bEnumwSc, mwheacge mwacCwSc libE aWmcdwnI bwyWnckurwacvW

* nOTc: lOnwSc huSwhwLW rwhunuge awgu kwnDwawLWnI bEnckunc aerwhuneacge awgu belumwScfwhugwaeve.

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Page 8: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

aiqcrWru

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nwncawaiDI kWDu nwncbwru

- miaI awLugwnDu / awLugwnDumenc bEnckc aofc mOlcDivcscawSc vefwaivW aiqcrWrekeve.

- awLugwnDu / awLugwnDumenc mi fOmugwai )awdi mifOmWaeku huSwhwLWfwaivW aencmehW liyumugwai( huSwhwLWfwaivWnI BwacHw awdi tedu mwAulUmWteve. awdi mIge aiturunc huSwhwLwncjehE aeacvesc mwAulUmWteac

hifeheacTifwainuvWneaeve.

- mi lOnu aepclikExwnc vwzwnckoSc goteac nincmumwSc aekwSIgencvW vwgutu nwgWne kwmWai, lOnu dinumwSc nincmWnI, lOnu dUkurumugwai bEnckunc kwnDwawLW xwrututwkWai lOnu dUkurumuge aWncmu auBUlW

aeacgotcvW gotuge mwtinckwmwSc awLugwnDu/ awLugwnDumenc qwbUlukurwmeve.

- awLugwnDu/ awLugwnDumenc bEnckuge nincmumwSc awswru fOruvumuge gotunc menEjcmwncTcge fwrWtwkwSc nuvwtw lOnu dUkurumwSc nincmW fwrWtctwkwSc aeacvesc nurwngwLu nufUzeac fOruvumuge gotunc

aeacvesc awmwleac nukurWnwmeve.

- mi lOnu dinumugwai kwnDwaeLifwaivW awgutwkWai fItwac bEnckuge xeDiaulc aofc CWjwsc gwai bwyWnckoScfwaivW gotuge mwtinc, awdi miawSc genevE bwdwlutwkW aeacgotcvW gotuge mwtInc, negEnekwmwSc

awLugwnDu / awLugwnDumenc aeacbwsc vwmeve. awdi mi fI twkWai awgutwac aoLuncfiluvumwkI awLugwnDu/ awLugwnDumencge zincmWaeackwmwSc qwbUlukurwmeve.

- mi aepclikExwnWaeku awLugwnDu / awLugwnDumenc huSwhwLWfwaivW aencmehwai mwaulUmWtwkI BwacHw mwaulUmWtu kwmugwai bwlwai ae mwaulUmWtuge BwacHwkwmwSc bEnckunc awbwdume bwrOsWvWne kwmugwai

awLugwnDu / awLugwnDumenc qwbUlckurwmeve. awdi mi aepclikExwncgwai himwnWfwaivW aeacvesc mwaulUmWtwkwSc bwdwlu awtuveacjenwmw, aebwdwleacge twfcBIlu bEnckwSc huSwheLumwkI awLugwnDu/ awLugwnDumencge

ziacmWaeackwmugwai qwbUlckurwmeve.

- awLugwnDu/ awLugwnDumenc mwtIgwaivW aiqcrWrW KilWfcveacjenwmw, lOnu aepclikExwnc qwbUlcnukurumW )nuvwtw lOnu dinumwScfwhu aefwdw kwmeac kurimwtiveacjenwmw( lOnu fesiliTI kencswlckurumWaeku,

lOnwSc dinc fwaisWainc nudwackWhuri jumclw awdwdu aincTcrescTWaeku awnburW hOdumuge aiKctiyWru bEnckwSc libigencvWkwmwSc qwbUlckurwmeve.

soai

tWrIKcaaaaMMdd

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Page 9: awmiaclw gedoru aimWrWtckurumwSc - Bank of Maldives · swfcHW 01 ge 1 awmiaclw gedoru aimWrWtckurumwSc umOf Edea cSwnOl cnwxckwrcTcscnok cmOh cleacmeaIb hwmwaekwni bEnckuge bEnumwSc:

hOmc koncscTcrwkcxwnc lOnwSc aedE fOmWaeku huSwhwLwncjehE twketi

1. lOnwSc aedE fwrWtuge awaiDI kWDu kopI )awsclu gencnwncvWne(

3. tirIgwaivW mwaulUmWtutwac himenE, vwzIfW awdWkurW twnuge leTwrheDcgwai aefwrWtunc dUkoScfwaivW liyumeac

- vwzIfW awdWkurW twnuge rwjiscTcrI nwncbwru

- vwzIfWawSc vwnc tWrIKc

- vwzIfWgwai hEdwkuri muacdwtu awdi mihWru huri mwgWmu

- awsWsI musWrw awdi jumclw musWrw aengEgotwSc

- musWrw jwmWvW aekwauncTc nwncbwru

- veriaeacge soai, tWrIKc awdi kuncfuni / viywfWri / aofIhuge twacgwnDu

4. aehenc bEnckeacgwai aekwauncTc aopwrETc kurWnwmw vEtuvediyw 21 mwsc duvwhuge aekwauncTc scTETcmwncTc

5. aehenc gotwkunc aWmcdwnIaeac libEnwmw, aEge twfcsIlc awdi heki

- vEtuvediyw 3 awhwruge awhwrI hisWbutwac )lOnuge awdwdu aeac miliawnc rufiyWawScvure boDu nwmw, huSwawLwncvWnI aODiTc kurevifwaivW awhwrI hisWbutwkeve.(

- vEtuvediyw 21 mwsc duvwhuge kExc fclO scTETcmwncTc awdi lOnuge muacdwtwSc lwfWkurW kExc fclO scTETcmwncTc )huSwawLW fwrWtunc aedumunc bEnckunc

8. viywfWrikoScgenc aWmcdwnI aeac libEnwmw,

mi liyumwkI vEtuvediyw 1 mwsc duvwhugeterEgwai dUkoScfwaivW liyumwkwSc vWncnWneaeve.

7. lOnuge awdwdu 5 lwackw rufiyWawScvure boDu nwmw, awmiaclw fwainEncxwlc scTETcmwncTc )huSwawLW fwrWtunc aedumunc bEnckunc TemcPclETuge

TemcPclETuge sofcTc koPIaeac fOrukoacdEneaeve(

sofcTc koPIaeac fOrukoacdEneaeve(

2. “fwrudI gotunc bEnckuge Kidumwtc bEnunckurW kwscTwmwruncge mwaulUmWtu fOmu” )vEtuvediyw 21 mwsc terEgwai huSwawLuacvWfwai nuvWnwmw(

6. gEge kulIge gotugwai aWmcdwnIaeac libEnwmw, kuacywScdinumuge aeacbwscvumuge koPI )koPI swacHwtO belumwacTwkwai aeacbwscvumuge awscluvesc bcrWncCwSc gencnwnc

jehEneaeve.(

9. mihWtwnwSc PcrojekcTwSc awmiaclwawSc koScfwaivW Kwrwdutwkuge aincvoaisc awdi bilctwac

01. TekcscawSc rwjiscTcrIkoScfwaivW kwmuge heki awdi mi muacdwtwSc Tekcsc riTWnWai Tekcsc pEmwncTuge vwauCwrutwac

11. Tekcsc kcliawrencsc riPOTc

21. PcrojekcTwSc awmiaclwawSc aincvescTu kurumwSc gwscdukurW bwywSc fwaisW deackEne kwmuge heki

31. lOnu nwgwnI awlwSc aimWrWteac hedumwSc nwmw nuvwtw aimWrWtwkwSc bwyeac aituru kurwncnwmw

- aepcrUvckoScfwaivW kurehunc

- aimWrWtc kurumuge huacdw

- aimWrWtc kurumuge huacdwtwac hinemE bI.aO.kiyu

- aimWrWtc kurumuge mwswackwtc kuriawSc gencdiyumwSc rWvWfwaivW tWvwlu

- rwhunukurW aimWrWtc swbc pcloTctwkwkwSc bwhWfwaivWnwmw, swbc pcloTctwkuge verincge awmiaclw gerencTI dE liyunc

- rwhunuge verifwrWtuge awaiDI kWDuge koPI )kopI swachwtO belumwScTwkwai awaiDI kWDuge awscluvesc bEnckwSc gencnwnc jehEneaeve(

- rwhunukurW aimWrWtuge / auLwnduge rwjiscTcrI koPI )kopI swachwtO belumwScTwkwai rwjiscTcrIge awscluvesc bEnckwSc gencnwnc jehEneaeve(

41. fwaisW negumwSc hwmwjehifwaivW gotuge twfcsIlc

51. lOnuge awdwdu aituru kurumwSc huSwawLWnwmw aorijinwlc bI.aO.kiyu aWai aisclWhukoScfwaivW bI.aO.kiyu / bilutwac huSwawLwncvWneaeve.

61. lOnu nwgwnI kurinc hwdWfwaivW geaeac mwrWmWtu kurwnc nwmw, kurumwSc rWvWfwaivW mwrWmWtuge twfcsIlWai gwncnwnc bEnuncvW twketIge kOTExwnc

awdi mihWtwnwSc gwnefwaivW twketIge aincvoaisctwac

71. aimWrWtc kurumuge mwswackwtc kuriawSc gencdiyumwSc hwmwjehifwaivwnI koncTcrekcTwr nuvwtw swbc koncTcrekcTwrwkW hwvWlu koacgenc nwmw aimWrWtc kurumuge

aeacbwscvumuge koPI

81. aimWrWtc kurumuge mwswackwtc kuriawSc gencdiyumwSc hwmwjehifwaivwnI digu muacdwtwSc kuacywSc dIgencnwmw, digu muacdwtwSc kuacywSc dinumuge aeacbwscvumuge kopI

)lIsc aegcrimwncTcge kopI(

91. rwhunu kurumwSc huSwawLW mudwlW guLE gotunc tirIgwaivW liyunctwac:

- furihwmw kurevifwaivW aincxuawrencsc aePclikExwnc fOmc

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hwmwaekwni bEnckuge bEnumwSc

fOmWai liyekiyunctwkW HwvWluvi

liyekiyunctwac CekukoSc huacdwdinI

siscTwmwSc mwAulUmWtu aeLI

muvwaczwfuge awaiDImuvwaczwfuge soaibcrWncCc / sekcxwnctWrIKc

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