cf7f}+ aflif {s ;fwf/0f;ef ;dagwl ; rgf · cf7f}+ jflif{s k|ltj]bg )&!÷)&@-

cf7f}+ jflif{s k|ltj]bg )&!÷)&@ 1

/lhi68{ s]Gb|Lo sfof{no M Go"/f]8, sf7df8f}+

sf]

cf7f}+ aflif{s ;fwf/0f;ef ;DaGwL ;"rgf

ldlt @)&@÷)(÷)% -tb\g';f/ @) l8;]Da/, @)!%_ ut] a;]sf] ;~rfns ;ldltsf] @^)cf}+ a}7ssf] lg0f{ofg';f/ o; a}+ssf] cf7f}+ aflif{s;fwf/0f;ef lgDg lnlvt ldlt, :yfg / ;dodf lgDg ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x' “bf sDkgL P]g, @)^# sf] bkmf^& cg';f/ cfb/0fLo ;Dk"0f{ z]o/wgL dxfg'efjx?sf] pkl:yltsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

;ef x'g] ldlt, :yfg / ;do M

;ef x'g] ldlt M @)&@÷(÷@( ut], a'waf/ - tb\g';f/ !# hgj/L, @)!^ _

:yfg M g]kfn k|1f k|lti7fg, sdnfbL, sf7df08f} .

;ef z'¿ x'g] ;do M laxfg !!M)) ah] .

5nkmnsf ljifox¿ M

-s_ ;fdfGo k|:tfj

!= cfly{s jif{ @)&!÷&@ sf] ;~rfns ;ldltsf] k|ltj]bg kfl/t ug]{ .

@= n]vfk/LIfssf] k|ltj]bg ;lxt @)&@ cfiff9 d;fGtsf] jf;nft tyf ldlt @)&!÷$÷! b]lv @)&@÷#÷#! ;Ddsf]] gfkmfgf]S;fg lx;fa / ;f]xL cjlwsf] gub k|jfx nufotsf ljj/0fx? 5nkmn u/L :jLs[t ug]{ .

#= sDkgL P]g,@)^# sf] bkmf !!! cg';f/ cfly{s aif{ @)&@÷&# sf] n]vfk/LIf0f ug{ n]vfk/LIf0f ;ldltn] l;kmfl/; u/] adf]lhdn]vfk/LIfs lgo'Qm ug]{ / kfl/>lds cg'df]bg ug]{ . - jt{dfg n]vfk/LIfs >L k/fqmd zdf{ P08 P;f]l;P6\; k'gM lgo'Qm x'g ;Sg'x'g]5 ._

$= ;~rfns ;ldltn] k|:tfj u/] adf]lhd )=(% -z'Go bzdna kGrfgAa]_ k|ltzt gub nfef+z -?=@(,&$&,*^*÷–_ s/k|of]hgsf] nflu ljt/0f ug{ :jLs[lt k|bfg ug]{ .

-v_ ljz]if k|:tfj

!_ a}+ssf] at{dfg clws[t k"FhL ?= %,))),))),)))÷–-kFfr ca{_ af6 a[l4 u/L ?= (,))),))),)))÷–-gf} ca{_ k'¥ofpg] k|:tfjkfl/t ug]{ .

@_ ;~rfns ;ldltn] k|:tfj u/] adf]lhd r'Qmf k"‘hLsf] !* -c7f/_ k|ltzt -?= %^%,@)(,$(*÷–_ af]g; z]o/ :jLs[t ug]{ / ;f]xLcg';f/ hf/L k"FhL tyf r'Qmf k"FhL j[l4 ug]{ ;DjGwL k|:tfj :jLs[t ug]{ .

#_ o; a}+s tyf cGo s'g} a}+s tyf ljQLo ;+:yf Ps cfk;df dh{ x'g] -ufEg]÷ufleg]_, ;dflxt x'g] ;Gbe{df cfjZos ;Dk"0f{ k|lqmofcjnDjg u/L Ps cfk;df dh{ -ufEg]÷ufleg]_, ;dflxt ug{sf nflu ;~rfns ;ldltnfO{ ;Dk"0f{ clVtof/ k|bfg ug]{ .

$_ a}+ssf] jt{dfg r'Qmf k"FhL ?= #,!$),)%@,*))÷– -tLg ca{ rf}w s/f]8 afpGg xhf/ cf7 ;o ?k}ofF_ df !* k|ltzt af]g; z]o/hf/L ul/;s] kZrft x'g cfpg]] r'Qmf k"FhL ?= #,&)%,@^@,@^%÷– -tLg cj{ ;Q/L s/f]8 afpGg nfv a};7L xhf/ b'O{ ;o k}+;¶L?k}ofF_ sf] #M! -tLg z]o/ a/fa/ Ps_ sf b/n] ?= !,@#%,)*&,$@@÷– xsk|b z]o/ hf/L u/L a}+ssf] hf/L tyf r'Qmf k"FhL?= $,($),#$(,&))÷– -rf/ cj{ rf}/fgAa] s/f]8 ltg nfv pgfGrf; xhf/ ;ft ;o ?k}ofF_ k'¥ofpg l:js[t ug]{ .

%_ a}+ssf] k|jGwkqdf ;+zf]wg Pj+d\ yk ug{ :jLs[lt k|bfg ug]{ . pk/f]Qm k|:tfljt ;+zf]wgdf lgodgsf/L lgsfoaf6 s'g} km]/jbntyf ;'emfj ePdf ;f] ;'emfj adf]lhd cfjZos km]/jbn ug{ a}+ssf] ;~rfns ;ldltnfO{ clVtof/L lbg] k|:tfj kfl/t ug]{ .

cf1fn];Gtf]if a/fnsDkgL ;lrj

2 cf7f}+ jflif{s k|ltj]bg )&!÷)&@

;fwf/0f;ef ;DaGwL ;fdfGo hfgsf/Lx¿M

!= cf7f}}+ jflif{s ;fwf/0f;efsf] k|of]hgsf] nflu a}+ssf] z]o/ bflvn vf/]hsf] sfd ldlt @)&@ ;fn kf}if !% ut] b]lv;fwf/0f;ef ;DkGg gx'Gh]n ;Dd aGb ul/g]5 . @)&@÷(÷!$ ut] ;Dd g]kfn :6s PS;r]Gh ln=df z]o/ sf/f]jf/ eO{ldlt @)&@÷++(÷@# ut] ;Dddf a}+ssf] z]o/ /lhi6«f/, l;len Soflk6n dfs]{6\; ln=df btf{ ePsf z]o/x?nfO{ dfq;fwf/0f;ef cl3 gfd;f/L bflvn vf/]h ul/g]5 .

@= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf !) ah] b]lv v'Nnf /xg] 5 . xflh/L hgfpg] Joa:yf ul/Psf] x'+bfz]o/wgL dxfg'efjx?n] cfˆgf] kl/ro kq jf z]o/ k|df0f kq clgjfo{ ?kdf k|:t't ul/lbg' x'g cg'/f]w 5 .

#= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;Dk"0f{ z]o/sf] k|ltlglw Pp6} AolQm x'g] u/L k|ltlglw–kq-k|f]S;L kmf/fd_ e/L a}+ssf] s]Gb|Lo sfof{no jf a}+ssf] z]o/ /lhi6«f/ l;len Soflk6n dfs]{6\; lnld6]8sf] sfof{nodf ;efz'? x'g' eGbf slDtdf &@ 306f cufl8 btf{ u/L ;Sg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] JolQm a}+ssf]z]o/wgL x'g' clgafo{ 5 .

$= Ps} z]o/wgLn] PseGbf al9 k|ltlglw -k|f]S;L_ lgo'Qm ug'{ ePsf] cj:yfdf æd}n] o; cl3 lbPsf] ;a} k|ltlglw–kq-k|f]S;L_ ab/ u/L of] k|ltlglw -k|f]S;L_ nfO{ dfGotf lbO{of];\Æ egL 5'§} kq n]vL k7fPsf] cj:yfdf cGo ;a} k|ltlglwx?-k|f]S;L_ ab/ eO{ ;f]xL kq ;fy k|fKt k|ltlglw–kq -k|f]S;L_ dfq dfGo x'g]5 . ;f] adf]lhd gu/L Ps} z]o/wgLn] PseGbf a9L JolQmnfO{ s'g} lsl;daf6 laefhg u/L jf gu/L k|ltlglw -k|f]S;L_ lgo'Qm u/]sf] kfO{Pdf To:tf] ;a} k|ltlglw-k|f]S;L_ ab/ 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 cfPdf z]o/wgLn]ul/lbPsf] k|ltlglw -k|f]S;L_ :jtM ab/ x'g]5 .

^= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf To:tf ;+ul7t ;+:yf jf sDkgLn] dgf]lgt u/]sf] k|ltlglwn]z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 .

&= z]o/wgLn] cfk\mgf] k|ltlglw -k|f]S;L_ lgo'QmL ubf{ a}+ssf] csf]{ s'g}] z]o/wgLnfO{ dfq ug'{ kg]{5 . To:tf] k|f]S;L lb+bf;+:yfks ;d"xsf] z]o/wgLn]] ;+:yfks ;d'xs} csf]{ z]o/wgLnfO{ dfq k|f]S;L lbg ;lsg] 5 / ;j{;fwf/0f ;d"xsf]z]o/wgLn]] ;j{;fwf/0f ;d'xs} csf]{ z]o/wgLnfO{ dfq k|f]S;L lbg ;lsg] 5 .

*= 5nkmnsf laifo ;"rL dWo] ljljw zLif{s cGtu{t 5nkmn ug{ O{R5's z]o/wgLn] ;ef x'g' eGbf & -;ft_ lbg cufj}5nkmnsf] laifo sDkgL ;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ?kdf hfgsf/L lbg' kg]{5 .

(= ;fwf/0f ;ef ;DjGwL yk hfgsf/Lsf] nflu a}+ssf] s]Gb|Lo sfof{no, Go"/f]8 jf o; a}+ssf] z]o/ /lhi6«f/sf] sfo{ ug]{l;len Soflk6n dfs]{6\; ln= sf7df08f} Knfhf, sdnkf]v/Ldf ;Dks{ /fVg' x'g cg'/f]w 5 . ;fy} a}+ssf] j]j ;fO6www.primebank.com.np df ;d]t x]g{ / 8fpgnf]8 ug{ ;lsg]5 .


k|f]S;L kmf/fd>L ;~rfns ;ldltk|fOd sdl;{on a}+s lnld6]8Go"/f]8, sf7df8f}+ .

ljifo M k|ltlglw lgo'lQm u/]sf] jf/] .

dxfzo,

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

n] To; a}+ssf] ;+:yfks÷;j{;fwf/0f z]o/wgLsf] x}l;otn] ldlt @)&@ ;fn kf}if dlxgf @( ut] a'waf/ x'g] cf7f}+ jflif{s ;fwf/0f;efdf

d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xeflu x'g g;Sg] ePsf] x'gfn] pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg

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

To; a}+ssf z]o/wgL >L ============================================================================= nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

k|ltlglwsf] lgj]bssf]

b:tvt M b:tvt M

gfd M gfd M

z]o/wgL kl/ro g+= M 7]ufgf M

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

z]o/ ;+Vof M

ldlt M

b|i6JoM of] k|f]S;L kmf/fd ;fwf/0f ;ef x'g' eGbf $* 3G6f cufj} a}+ssf] s]lGb|o sfof{no, Go"/f]8 jf a}+ssf] z]o/ /lhi6«f/ l;lenSofkL6n dfs]{6\; ln= sf7df08f}df btf{ u/L;Sg' kg]{5 . k|ltlglw lgo"Qm ubf{ a}+ssf] ;+:yfks z]o/wgLn] ;+:yfks z]o/wgLnfO{/ ;j{;fwf/0f ;d"xn] ;j{;fwf/0f ;d"xnfO{ g} ug'{ kg]{5 .

k|j]z–kqz]o/wgL g+= M

z]o/wgLsf] gfd M

z]o/ ;+Vof M

cf7f}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] .

z]o/wgLsf] b:tvt sDkgL ;lrj

b|i6Jo M ;ef sIfdf k|j]z ug{ of] k|j]z kq clgjfo{ ¿kdf k|:t't ug'{ kg]{5 .

ldlt M @)&@÷)(÷@(


k|fOd sdl;{on a}+s lnld6]8sf]cf7f}+ aflif{s ;fwf/0f ;efdf k|:t't

;+rfns ;ldltsf cWoIfsf] cf=j=@)&!÷&@ sf] k|ltj]bg

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

o; k|fOd sdl;{on a}Fs lnld6]8sf] cf7f}+ jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL Pj+ cltly dxfg'efjx?nfO{ a}+ssf];+rfns ;ldltsf] tkm{af6 d xflb{s :jfut tyf clejfbg ub{5' . a}Fs :yfkgf ePsf] cf7f}F jif{ k"/f x'Fbf;Dd a}Fssf z]o/wgLdxfg'efjx?, u|fxsju{, lgodg lgsfo Pj+ cGo z'e]R5'sx?sf] ;bfzotf / dfu{lgb]{zgsf sf/0fn] a}Fsn] lg/Gt/ k|ult ub}{ ;du|a}FlsË If]qdf cfˆgf] 5'§} klxrfg agfpFb} cfPsf] oxfFx? ;dIf hfgsf/L u/fpg rfxfG5' .

a}Fsn] cfˆgf] :yfkgfsfn b]lvg} nufgLstf{nfO{ plrt k|ltkmn k|bfg ug]{ gLlt canDag u/]sf] kmn:j?k a}Fssf ;Dk"0f{z]o/wgL dxfg'efjx?n] xfn ;Dd k|fylds z]o/ Pj+ xsk|b z]o/df u/L s'n ?= @=! ca{ a}Fsdf nufgL u/]sf]df a}Fsn] cf7f}Fjif{ k'/f ubf{ ;Dd af]g; z]o/ / gub nfef+z u/L s'n ?= @=#% ca{ /sd -cf=j= @)&!÷&@ sf] k|:tfljt af]g; z]o/ ;d]t_a/fa/sf] nfef+z lat/0f ug{ ;kmn ePsf] 5 . a}+ssf] @)&@ cfiff9 d;fGtdf z]o/wgLx?sf] ;Dk"0f{ nufgLsf] ahf/k"FhLs/0f ?= !^ ca{ *^ s/f]8 -k|:tfljt af]g; z]o/ ;lxt_ /x]sf] 5 h'g z]o/wgLaf6 nufgL ePsf] eGbf emG8} * u'0ff /x]sf]Joxf]/f pNn]vgLo 5 . a}Fssf z]o/wgL dxfg'efjx?sf] ck]Iff cg';f/ eljiodf ;d]t a}+sn] Pj+d /Ltn] plrt k|ltkmn lbg]k|ltj¢tf AoQm ub}{ a}Fs;Fu ;/f]sf/ /fVg] ;Dk"0f{ dxfg'efjx?sf] ;b\efj lg/Gt/ k|fKt eO/xg] ljZjf; lnPsf] 5' .

cfly{s aif{ @)&)÷&! Dff b]zsf] ;du| cy{tGqdf s]xL ;sf/fTds kl/jt{gx? b]vf k/];Fu} ;ldIff jif{ @)&!÷&@ Dff cy{tGqn]yk ;'wf/fTds ult lng] ck]Iff ul/Psf] ePtf klg @)&@ ;fn j}zfv !@ ut] cs:dft uPsf] ljgfzsf/L e'sDkn] cfd hgtfsf]hghLjgnfO{ si6s/ agfpg'sf ;fy} ;du| Jofkf/ Joj;fonfO{ ;d]t cToGt gsf/fTds c;/ kf/]sf] 5 . a}Fssf s]xLC0fLx?sf] Jofkf/ Joj;fodf ;d]t o; ljgfzsf/L e'sDkn] gsf/fTds c;/ k'¥ofPsf]df a}Fsn] k|rlnt lgod sfg"g leq/xL C0fLx?sf] Joj;fosf k|s[lt cg';f/ cfjZos a}FlsË ;'ljwf / ;x'lnot k|bfg u/L Jofkf/ Joj;fo ;'rf? /fVg ;xof]uu/]sf] 5 .

cfly{s jif{ @)&!÷&@ df a}FlsË If]qdf b]lvPsf ljleGg Jojwfg r'gf}ltx?nfO{ kf/ ub}{ a}Fsn] o; cjlwdf ut jif{sf] lgIf]keGbf@)=$$ k|ltztn] a[l¢ u/L s'n ?= $! ca{ lgIf]k ;+sng ug{ a}Fs ;kmn ePsf] 5 . ;fy} shf{ k|jfxdf ;d]t ut jif{ eGbf@)=@$ k|ltztn] a[l¢ u/L a}Fsn] s'n ?= ##=$& ca{ shf{ k|jfx u/]sf] 5 . a}Fssf] ;+rfng d'gfkmfdf ;d]t ut jif{ eGbf #$=!)k|ltztn] a[l¢ eO{ a}Fsn] ?= ! ca{ #( s/f]8 a/fa/sf] ;+rfng d'gfkmf cfh{g u/]sf] 5 . a}Fsn] ;ldIff cjlwdf #$=&@ k|ltztn]cfˆgf] v'b d'gfkmf a[l¢ u/L ?= &$ s/f]8 %% nfv a/fa/sf] v'b gfkmf cfh{g u/]sf] 5 . a}Fsn] cf=j= @)&!÷&@ df cfh{gu/]sf] v'b d'gfkmfaf6 !*Ü af]g; z]o/ -?= %^ s/f]8 %@ nfv_ / )=(%Ü -?= @ s/f]8 (& nfv_ s/ k|of]hgsf nflu gubnfef+z ljt/0f ug]{ k|:tfj o; ;efdf k|:t't ub{5' .

ut j}zfv !@ ut] uPsf] ljgfzsf/L e'sDksf sf/0fn] hgwgsf] Iflt ePsf]df o; a}Fs klg cToGt ddf{lxt ePsf] 5 .e'sDkaf6 k|efljt ;Dk"0f{ If]qx?df ;xof]u ug{ a}Fssf] IfdtfeGbf aflx/ ePtf klg a}+sn] k|wfgdGqL b}jL k|sf]k p¢f/ sf]ifdf? %) nfv k|bfg ug{'sf cltl/tm k|efljt If]qsf] pko'tmtf x]/L s]xL If]qx?df ;xof]usf xft cl3 a9fpg] qmddf a}Fsn]sfo{ljgfossf] a'+udtL / eLdkm]bLdf eTsLg nfu]sf 3/x?nfO{ k"0f{?kdf eTsfO To;sf ;fdfgx?nfO{ plrt Joj:yfkg ug]{sfddf 3/wgLsf kl/jf/ ;b:ox? Pj+ 5/ l5d]sLsf] dhb'/LnfO{ k|of]u ug{ cfly{s ;xof]u u/]sf] 5 . e'sDksf sf/0fn]s[ifsx?n] aLp aLhg ;d]t vl/b u/L v]tL ug{ c;dy{ e}/x]sf] cj:yfnfO{ dgg u/L a}Fsn] l6i6'Ë, kfn'Ë, lrtnfË, ah|af/fxLIf]qsf !@)) eGbf a9L s[ifsx?nfO{ aLp aLhg lat/0f u/L ;xof]u u/]sf] 5 . ;fy} uf]/vf, g'jfsf]6, ledfb / dgsfdgfsfljleGg If]qx? u/L !$! lkl8t kl/jf/x? tyf !) laBfnox?nfO{ h:tfkftf lat/0f u/L ;xof]u u/]sf] 5 . a}Fsn] e'sDk kLl8tIf]qx?df s/La *)) kl/jf/x?NffO{ kfn tyf vfBfGg ljt/0f ug'{sf ;fy} uf]/vf, wflbË, l;Gw'kfNrf]s / g'jfsf]6sf] ljleGgIf]qx?df cTofjZos cf}ifwL ;d]t ljt/0f u/]sf] 5 . o;sf ;fy} a}+sn] l;Gw'kfNrf]ssf] af9L kLl8tsf nfuL Pj+d tfKn]h'ËdfcUgL kLl8tsf nflu qmdz ? !) nfv / ?= % nfv k|wfgdGqL b}jL k|sf]k sf]ifdf k|bfg u/]sf] 5 . o;/L a}Fsn] cf=j= @)&!÷&@df ljleGg ;fdflhs sfo{x?df vr{ u/]sf] s"n ?= ! s/f]8 !* nfv o;} ;efaf6 cg'df]bg ul/lbg'x'g k|:tfj ub{5' .


rfn' cf=j=sf] klxnf] q}df; ;Ddsf] pknlAw / eljiosf] of]hgf Pj+ /0fgLltM@)&@ j}zfv !@ ut]sf] ljgfzsf/L e'sDksf sf/0fn] cfqmfGt /x]sf] b]zsf] cy{tGqdf cf=j=@)&@÷&# df s]xL ;'wf/sf ;+s]tb]vf kb}{ uPsf] / gofF ;+ljwfgsf] 3f]if0ffn] yk cfzf l;h{gf u/]sf] cj:yfdf b]zsf] ljleGg If]qdf nfdf] ;do b]lv x'Fb} cfPsf]cfGbf]ng / ef/tLo gfsfx?df b]lvPsf] cfk"lt{ cj/f]wn] a}FlsË If]qdf cToGt} k|lts'n c;/ kf/]sf] 5 . o:tf] ljifd cfly{skl/l:yltdf ;d]t a}Fsn] @)&@÷&# sf] klxnf] q}dfl;sdf ck]Iffs[t glthf xfl;n ug{ ;dy{ ePsf] 5 . a}+sn] lgIf]k tkm{ utjif{sf] ;f]xL cjlw eGbf @)=%( k|ltztn] a[l¢ u/L s'n ?= $!=$) ca{ lgIf]k ;+sng u/]sf] 5 . To;}u/L ut jif{sf] ;f]xL cjlwsf]shf{ eGbf !%=*) k|ltztn] a[l¢ eO{ a}Fsn] s"n ?= ##=^^ ca{ shf{ k|jfx u/]sf] 5 . ;+rfng d'gfkmf Pj+ v'b d'gfkmf ;d]tut jif{ eGbf qmdz %@=$) / #^=$* k|ltztn] a[l¢ eO{ ?= #!=$# s/f]8 ;+rfng d'gfkmf / ?= @@=)^ s/f]8 v'b d'gfkmf cfh{gu/]sf] 5 .

g]kfn /fi6« a}Fsn] ljut jif{x?af6 pTkfbglzn If]q, hnljB't kl/of]hgf Pj+ s[lif If]qdf nufgL a9fpgsf nflu ljz]if k|f]T;fxgub}{ cfPsf]df o; a}Fsn] ;d]t oL If]qx?df k|fyldstfsf ;fy nufgL ug]{ qmddf xfn;Dd s'n @&% d]3fjf6 Ifdtf a/fa/sf] !@ j6f ljleGg hnljB't kl/of]hgfx?df ;xljQLos/0f nufgL cGtu{t cu'jf a}Fssf] e"ldsf ;lxt nufgL lj:tf/ u/]sf]5 . ljut s]xL dlxgfaf6 b]zsf] cfk"lt{ Joj:yfdf c;xh cj:yf l;h{gf eO{ k]6«f]lnod kbfy{ Pj+ cGo cTofjZos j:t'x?sf]r/d cefj eO/x]sf] cj:yfdf o; a}Fsn] ljutsf jif{x? b]lvg} pTkfbglzn Pj+ phf{ If]qdf k|fyldstfsf ;fy ub}{ cfPsf]nufgL cfhsf] cj:yfdf cem a9L ;fGble{s b]lvPsf] 5 . b]zdf ljleGg If]qx?df e}/x]sf cfGbf]ng Pj+ cfk"lt{ Joj:yfdfe}/x]sf] cj/f]wsf sf/0f b]zsf] ;du| ufx{:Yo pTkfbg g} C0ffTds x'g ;Sg] cfz+sf e}/x]sf] kl/l:yltdf a}FlsË If]qn] ;d]t7"nf] r'gf}ltsf] ;fdgf ug{' kg]{ / o:tf] cj:yfdf b]zsf] cy{tGq ;an agfpgsf nfuL tyf a}+ssf] ljQLo :jf:Yodf k|lts"nc;/ gkg]{ u/L ;+oldt, lgolGqt tyf k|efjsf/L e"ldsf lgefpg' kg]{ l:ylt /x]sf] 5 . o; ;Gbe{df a}Fsaf6 shf{ pkef]uu/L cfˆgf Jofkf/ Joj;fo ;+rfng ub}{ cfpg'ePsf u|fxsx?nfO{ a}Fs / C0fLsf] ;DaGwsf ?kdf geO{ Ps csf{sf] Joj;flos;fem]bf/sf] ?kdf lnO{ o; ljifd kl/l:yltsf] ;fdgf ug{ a}Fsn] cfjZos ;xsfo{ ug]{5 . ;fy} b]znfO{ cfTdlge{/ agfpb} hfg'kg]{cfhsf] cfjZostfnfO{ dWogh/ u/L s[lif, n3'pBd h:tf ;fgf b]lv 7"nf] kl/of]hgfx?df ;d]t a}Fsn] k|fyldstfsf ;fy nufgLug{] 5 .

g]kfn /fi6« a}Fsn] xfn} hf/L u/]sf] lgb]{zg cg';f/ cf=j= @)&#÷&$ leq r'Qmf k"FhL ?= * ca{ k'¥ofpg' kg]{ k|fjwfg cg';f/a}Fsn] s]xL ljQLo ;+:yfx?nfO{ ufEg], xsk|b z]o/ hf/L ug]{ tyf af]gz z]o/ hf/L u/L cf=j= @)&#÷&$ leq cfˆgf] r'Qmf k"FhL?= * ca{ k'¥ofpg] k"FhL a[l¢ of]hgf ;fj{hlgs ul/;s]sf] 5 . a}Fsn] lautsf jif{x? b]lvg} af]gz z]o/ hf/L u/L a}Fssf] Ifdtfclea[l¢ ug]{ gLlt canDag ub}{ cfPsf] sf/0fn] cf7f}F jif{df k|:tfljt af]gz z]o/ ;d]t u/L xfn;Dd ?= !,^),)$,#@,&*(a/fa/sf] af]gz z]o/ hf/L eO{ a}Fssf] s"n r'Qmf k"FhL ?= #=& ca{ k'Ug] ePsf]n] g]kfn /fi6« a}Fsn] hf/L u/]sf] r'Qmf k"FhL a9fpg]lgb]{zgnfO{ ;d]t a}Fssf] ljutsf gLltn] ;xh agfPsf] 5 . a}Fssf] r'Qmf k"FhL a[l¢ of]hgf cGtu{t cf=j= @)&@÷&# leq# M ! cg'kftdf xsk|b z]o/ hf/L ug]{ k|:tfj :jLs[ltsf] nflu o;} ;efdf k]z u/]sf] 5' . ;fy} a}Fsn] s]xL ljQLo ;+:yfx?nfO{ufEg] k|s[ofsf cfjZos sfo{ e}/x]sf]n] cf=j= @)&@÷&# leq ;Dk"0f{ k|s[of ;DkGg u/L PsLs[t sf/f]af/ z'? ug]{ a}Fsn] nIolnPsf] 5 .

cGTodf,o; a}Fssf] k|ultdf k|ToIf jf ck|ToIf ?kn] ;xof]u k'¥ofpg' x'g] ;Dk"0f{ z]o/wgL dxfg'efjx?, u|fxsju{, g]kfn /fi6« a}+s,lwtf]kq af]8{, g]kfn :6s PS;r]Gh, g]kfn ;/sf/sf ;DalGwt lgodg lgsfox? Pj+ cGo ;/f]sf/jfnfx?nfO{ xflb{s wGojfb1fkg ug{ rfxG5' . a}ssf] pGglt / k|ultdf lg/Gt/ nugzLntfsf ;fy of]ubfg k'¥ofpg] a}+s Joj:yfkg tyf sd{rf/Lx?nfO{ljz]if wGojfb lbg rfxG5' . ;fy} a}ssf] x/]s ultljlwx?nfO{ ;sf/fTds 9+un] cfd hg;d'bfo ;dIf ;Dk|]if0f ul/lbg] ;+rf/hut nufot cGo ;Dk"0f{ z'e]R5'sx? k|lt xflb{s cfef/ k|s6 ub{5' .

wGojfb .

pd]z >]i7cWoIf

;~rfns ;ldltldltM @)&@ kf}if @( k|fOd sdl;{on a}s lnld6]8


k|fOd sdl;{on a}+s lnld6]8sf]cf7f}+ aflif{s ;fwf/0f ;efdf

;+rfns ;ldltaf6 k|:t't cf=j=@)&!÷&@ sf] k|ltj]bg

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

o; k|fOd sdl;{on a}+s lnld6]8sf] cf7f}+ jflif{s ;fwf/0f ;efdf kfNg' ePsf ;Dk"0f{ z]o/ wgL Pj+ cltly dxfg'efjx?df o; a}+ssf];+rfns ;ldlt xflb{s :jfut tyf clejfbg ub{5 . cfly{s jif{ @)&!÷&@ df a}+sn] xfl;n u/]sf] pknlAwx?, a}+s ;~rfngdf b]lvPsfr'gf}ltx? Pj+ eljiodf a}+sn] clVtof/ ug]{ /0fgLlt Pj+ bL3{sflng of]hgfx?sf] af/]df o; k|ltj]bgdf ;+lIfKt ?kdf k|:t't ul/Psf] 5 .

-!_ cfly{s jif{ @)&!÷&@ df a}+sn] xfl;n u/]sf] k|ult ljj/0f

cfly{s jif{ @)&!÷&@ sf] ;dit cfly{s kIfnfO{ x]bf{ cfly{s :yfloTjsf] kIf ;an /x]tfklg cy{tGqdf ;+/rgfut ;d:of /x]sf] b]lvG5 .;dLIff jif{sf] rf}yf] q}df;df uPsf] ljgfzsf/L e"sDksf sf/0f b]zsf] cfly{s ljsf;df k|lts'n c;/ kg{ uPsf] sf/0fn] ;ldIff cjlwdfb]zsf] cy{tGqn] ck]lIft ult lng ;s]g / s'n ufx{:Yo pTkfbgdf ;d]t ;Gtf]ifhgs a[l4 x'g ;s]g . a}+lsË If]qdf b]lvPsf] k|lt:kwf{Tdskl/b[Zosf afjh'b o; a}+sn] ;ldIff aif{df ;Gtf]ifhgs glthf xfl;n u/]sf] 5 . b]zdf /fhg}lts :yfloTj sfod ge};s]sf] cj:yfdfnufgL d}qL jftfa/0f ;d]t ;[hgf gePsfn] b]zsf] cy{tGq ck]Iffs[t ?kdf rnfodfg x'g ;s]sf] 5}g . tyflk a}FlsË If]qdf t/ntfsf];xhtf / shf{ c;'nLdf lnOPsf] lgtLut nrstf nufot ljljw kIfsf sf/0fn] o; a}Fsn] cfly{s jif{ @)&!÷&@ df lgIf]k ;+sng, shf{k|jfx Pj+ v'b d'gfkmf cfh{gdf pNn]vgLo a[l4 ug{ ;kmn ePsf] 5 .

t'ngfTds k|ult ljj/0f

a9L÷ -36L_ljj/0f cf=j=@)&!÷&@ cf=j=@)&)÷&! ¿= k|ltzt

r'Qmf k"FhL #,&)%,@^@,@^% #,!$),)%@,&^& %^%,@)(,$(* !*=))

s'n ;DklQ $%,*)),*(@,$&% #*,)#),(^$,!%( &,&^(,(@*,#!^ @)=$#

s'n lgIf]k $!,))%,&%$,%^^ #$,)$%,@^@,^^) ^,(^),$(!,()^ @)=$$

s'n shf ##,$&!,^^$,#$$ @&,*#^,^^*,*%* %,^#$,((%,$*^ @)=@$

s'n nufgL %,&$#,)&!,%&* @,(%@,%!#,!)# @,&*#,%%*,$&% ($=)%

v'b Jofh cfDbfgL !,#*&,&*@,(!* !,)%(,(^%,*)^ #@&,*!&,!!@ #)=(#

cGo ;+rfng vr{ @$&,&&$,^($ @#),*@$,@)* !^,(%),$*^ &=#$

s'n ;+rfng vr{ $@#,#^^,^)( #^%,!#!,@*@ %*,@#%,#@& !%=(%

;+rfng d'gfkmf -;Defljt gf]S;fgL Joj:yf cl3_ !,#((,$)*,#&! !,)$#,%!(,))( #,%%,**(,#^@ #$=!)

v'b gfkmf÷-gf]S;fg_ &$%,%*(,!@! %%#,$$&,!!$ !(@,!$@,))& #$=&@

-s_ lgIf]k kl/rfngo; cfly{s jif{df a}FlsË If]qdf ljBdfg /x]sf] cg's"n t/ntf Pj+ a}+sn]clVtof/ u/]sf] lgIf]k gLltsf] sf/0f ljutdf eGbf a}+ssf] ;du| lgIf]k Joj:yf;Gt'lnt / ;'b[9 /x]sf] 5 . a}Fsn] ;+:yfut Pj+ 7"nf lgIf]ksf] c+znfO{ lglZrtl;dfleq sfod u/L qmlds ?kn] ;fgf lgIf]kstf{x?nfO{ k|f]T;fxg ub}{ ;ldIffcjlwdf pNn]Vo ;+Vofdf artstf{x? a[l4 ug{ a}+s ;kmn x'g'sf] ;fy} laleGg;+3—;+:yf, lgsfo, sfof{nox?sf] ;+Vof, a9L lgIf]k /sd ;+sng ug{ ;s]sf] 5h;sf] kmn:j?k a}+ssf] cf};t lgIf]k Jofhb/df pNn]vlgo ;'wf/ ePsf] 5 .


a}Fssf] ut aif{sf] s'n lgIf]k ?= #$ ca{ $ s/f]8 /x]sf]df ;ldIff aif{df df ?= ^ ca{ (^ s/f]8n] a[l¢ eO{ s'n ?= $! ca{ lgIf]k;+sng ug{ a}Fs ;kmn ePsf] 5 .

-v_ shf{ k|jfxb]zsf] cfly{s lqmofsnfkn] ck]lIft ult lngg;ls/x]sf] / nufgLstf{x? kv{ / x]/sf] cj:yfdf/x]sf] afah'b a}+sn] ljleGg pTkfbgzLn If]qx?h:t} hnlaB't kl/of]hgf, l;d]G6 pBf]u, xf]6ndfnufgL la:tf/ ul//x]sf] 5 . o; a}Fsn] cfˆgf]:yfkgf sfn b]lvg} ;fgf demf}nf 3/]n' pBf]u,s[lif, x:tsnf, zLkd"ns Pj+ :j/f]huf/d"nskl/of]hgfx?nfO{ ljz]if k|fyldstfsf ;fy nufgLub}{ cfPsf] 5 . o;sf] cnfjf d'n'sn] pRrk|fyldstfsf ;fy dxTj lbOPsf] s[lif If]qdfJoj;flos s[lif v]tL, kz'kfng tyf dT:okfngdfnufgL a9fpg] gLlt cjnDag ul/ ;f]xL adf]lhd nufgLsf] k"jf{wf/ tof/ ul//x]sf] 5 . a}Fsn] ljleGg hnljB't kl/of]hgfx?dfnufgL lj:tf/ ug]{ qmddf xfn;Dd s/La @&% d]ufjf6 a/fa/sf] !@ j6f laleGg hnljB't kl/of]hgfx?df ;xljQLos/0f shf{cGtu{t cu'jf a}Fssf] e"\ldsf ;lxt nufgL u/]sf] 5 . a}Fsn] ;ldIff cjlwdf ut jif{sf] eGbf ¿= % ca{ ^# s/f]8 cyf{t\ @)=@$Ün] shf{ a[l¢ u/L s"n ¿= ## ca{ $& s/f]8 shf{ k|jfx u/]sf] 5 . a}Fsn] ljut jif{x?df k|jfx u/]sf] shf{sf] lgDg adf]lhd ;ldIfful/Psf] 5 .

-u_ sldzg tyf cGo ;+rfng cfDbfgLa+}sn] o; cfly{s aif{df pNn]vgLo ?kdf u}/—sf]ifdf cfwfl/t Joj;fodf ut aif{ eGbf !%=$^Ü n] a[l4 ul/ ¿= #^ s/f]8 * nfvsldzg tyf cGo ;+rfng cfDbfgL cfh{g u/]sf] 5 . a}+ssf] :yflkt u|fxsx?sf] cfwf/ alnof] e};s]sf]n] o; aif{ klg u}/—sf]ifdfcfwfl/t s[ofsnfknfO{ a9fjf lb+b} sldzg tyf cGo ;+rfng cfDbfgLsf] c+znfO{ a9fpFb} nlug] 5 . o;sf] cltl/Qm ljleGg a}FlsËpks/0f tyf ;]jf lj:tf/ u/L a+}ssf] fee based cfDbfgL a9fpg] Pj+ nufgLsf] bfo/f km/flsnf] kfg{'sf] ;fy} cGo ;+rfng cfDbfgLa9fpg a}+sn] laz]if Wofg s]lGb|t ug]{5 .

-3_ ;+rfng / v'b d'gfkmfa}+ssf] shf{ nufgLdf a[l4 ePtfklg ahf/df b]lvPsf] clws t/ntf tyf ;Lldt nufgLsf cj;/sf sf/0f ;dLIff jif{df lgIf]k tyfshf{sf] Aofhb/df pNn]Vo x|f; ePsf]n] v'b Aofh cfDbfgLsf] a[l4 ;Gtf]ifhgs /x]g . ;ldIff cfly{s jif{df klg s'n ;+rfng vr{nfO{Go"gtd laGb'df l;ldt u/L] tyf ;6xL 36a9, sldzg / cGo ;+rfng cfDbfgLdf /fd|f] a[l4 ePsf]n] cf=j @)&!÷&@ df a}Fssf];+rfng Pj+ v'b d'gfkmfdf pNn]Vo a[l4 ePsf] 5 . ut jif{ a}Fsn] ?= !,)$#,%!(,))( gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf


cfh{g u/]sf]df o; cf=j= @)&!÷&@ df gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf ?= !,#((,$)*,#&! cfh{g ug{ ;kmn ePsf] 5 .o;} u/L ut jif{ v'b d'gfkmf ?= %%#,$$&,!!$ /x]sf]df o; cf=j= @)&!÷&@ df v'b d'gfkmf ?=&$%,%*(,!@! ePsf] 5 . h'gcl3Nnf] aif{sf] t'ngfdf ?= !(@,!$@,))& n] a[l4 ePsf] xf] .

-ª_ nfef+z÷af]g; z]o/o; a}+sn] cfˆgf nufgLstf{x?nfO{ pRrtd k|ltkmn k|bfg ug{ ljz]if k|fyldstf lbFb} a}+s :yfkgf ePsf] bf]>f] jif{ b]lvg} lg/Gt/gub nfef+z Pj+ af]gz z]o/ k|bfg ub}{ cfO/x]sf] 5 . o;} ;Gbe{df cf=j= @)&!÷&@ df g]kfn /fi6« a}+saf6 :jLs[t eP cg';f/!*% af]gz z]o/ -?= %^%,@)(,$(*_ tyf af]gz z]o/ ljt/0fsf] s/ k|of]hgsf] nflu )=(%% gub nfefz+ -?= @(,&$&,*^*_ljt/0f ug]{ k|:tfj oxfFx? ;dIf :jLs[ltsf] nflu k]z ub{5f}F+ .

@)^%÷^^ b]lv @)&!÷&@ ;Ddsf]

-@_ /fli6«o÷cGt/f{li6«o cy{tGq

-s_ ljZj cy{tGqcfly{s aif{ @)&!÷&@ Dff laZj cy{tGqdf ljBdfg ljQLo ;+s6sf k|lts"n k|efjx?df ;'wf/ eO{ cy{tGqdf ;sf/fTds kl/jt{gx?b]vf k/]sf 5g\ . cGt/f{li6«o d'b|fsf]ifn] h'nfO{ @)!% df hf/L u/]sf] World Economic Outlook sf cg';f/ ljZjsf] cfly{s j[l4b/;g\\ @)!$ df #=$ k|ltzt /x]sf]df ;g\ @)!% df #=# k|ltzt /xg] b]lvPsf] 5 . ;g\ @)!% df cd]l/sL cy{tGq @=% k|ltzt /xg]cg'dfg /x]sf] 5 eg] o'/f] If]q Pjd\ hfkfgsf] cy{tGq qmdzM !=% k|ltzt / )=* k|ltztn] j[l4 x'g] cg'dfg ul/Psf] 5 . ;g\ @)!$ dfo'/f] If]qsf] cy{tGq )=* k|ltztn] j[l4 ePsf] lyof] eg]] hfkfgsf] cfly{s j[l4b/ )=! k|ltztn] C0ffTds /x]sf] lyof] . To;}u/L pbLodfgPjd\ ljsf;zLn d'n'sx?sf] cy{tGq ;g\ @)!$ df $=^ k|ltztn] j[l¢ ePsf]df ;g\ @)!% df To;df s]xL ;+s'rg cfO{ $=@k|ltztn] j[l4 x'g] cg'dfg ul/Psf] 5 . ;g\ @)!% df Go"g cfo ePsf d'n'sx?sf] cfly{s j[l4b/df ;d]t ;+s'rg cfpg] cg'dfgul/Psf] 5 . oL d'n'sx?sf] cfly{s j[l4b/ ;g\ @)!$ df ^=) k|ltzt /x]sf]df ;g\ @)!% df %=! k|ltzt /xg] cg'dfg ul/Psf] 5 .l5d]sL d'n'sx? ef/t / rLgsf] cfly{s j[l4b/ ;g\ @)!% df qmdzM &=% k|ltzt / ^=* k|ltzt /xg] cg'dfg ul/Psf] 5 . ;g\@)!$ df oL d'n'sx?sf] cfly{s j[l4b/ qmdzM &=# k|ltzt / &=$ k|ltzt /x]sf] lyof] .

-v_ s'n ufx{:Yo pTkfbgcfly{s jif{ @)&!÷&@ Dff dg;'g l9nf z'? ePsf]n] s'n ufx{:Yo pTkfbgdf Ps ltxfO{ eGbf a9L lx:;f cf]u6\g] s[lif If]qsf]j[l4b/df ;+s'rg cfpg'sf ;fy} j}zfv !@, @)&@ ut]sf] e"sDk Pjd\ To;kl5sf k/fsDkgx?n] d'n'ssf] ;du| cfly{s If]qdfgsf/fTds k|efj kf/]sf] x'Fbf s'n ufx{:Yo pTkfbgsf] j[l4b/ cl3Nnf] jif{sf] t'ngfdf Go"g /xg uPsf] 5 . cfly{s jif{ @)&!÷&@ dfoyfy{ s'n ufx{:Yo pTkfbg j[l4b/ cfwf/ e"t d"Nodf #=) k|ltzt / pTkfbssf] d"Nodf #=$ k|ltzt /x]sf] s]Gb|Lo tYofÍ ljefusf]k|f/lDes cg'dfg 5 . cl3Nnf] jif{ o:tf] j[l4b/ qmdzM %=! k|ltzt / %=$ k|ltzt /x]sf] lyof] . ;dLIff jif{df s[lif tyf u}/–s[lifIf]qsf] j[l4b/ qmdzM !=( k|ltzt / #=^ k|ltzt /x]sf] cg'dfg 5 . cl3Nnf] jif{ o:tf] j[l¢b/ qmdzM @=( k|ltzt / ^=# k|ltzt /x]sf]lyof] . ;dLIff jif{df u}/–s[lif If]q cGtu{t pBf]u If]q @=^ k|ltztn] / ;]jf If]q #=( k|ltztn] j[l4 ePsf] cg'dfg 5 . kl5Nnf] jif{pBf]u If]q ^=@ k|ltztn] / ;]jf If]q ^=$ k|ltztn] j[l4 ePsf] lyof] . kl5Nnf] jif{df pBf]u If]q / ;]jf If]qsf] j[l4b/df ;'wf/cfpg'df Jofkf/, ko{6g, oftfoft tyf ;~rf/ If]qsf] pNn]vlgo of]ubfg /x]sf] 5 .


-u_ zf]wgfGt/cfly{s jif{ @)&!÷&@ sf] P3f/ dlxgf;Dddf zf]wgfGt/ l:ylt ?= !@& ca{ @) s/f]8n] artdf /x]sf] 5 . cl3Nnf] cfly{s jif{sf];f]xL cjlwdf ?= !)( ca{ %^ s/f]8sf] zf]wgfGt/ art /x]sf] lyof] . j:t' Jofkf/ pNn]Vo 3f6f /x]tfklg ;]jf tyf 6«fG;km/ tk{mart sfod /x]sf]n] ;dLIff cjlwdf rfn' vftfdf ?= (% ca{ @( s/f]8n] artdf /x]sf] 5 . rfn' vftf cGtu{tsf] v'b ;]jf cfo?=@$ ca{ #@ s/f]8n] artdf /xg'sf ;fy} ljk|]if0f cfk|jfx !@=$ k|ltztn] j[l4 eO{ ?= %%! ca{ &$ s/f]8 k'u]sf] 5 . o; cjlwdfcd]l/sL 8n/df ljk|]if0f cfk|jfx !!=@ k|ltztn] a9]/ % ca{ %% s/f]8 k'u]sf] 5 .

-#_ ljljw-s_ cfGtl/s lgoGq0f / hf]lvd Joj:yfkg

a}FlsË If]qdf s]xL ;doaf6 a9\b} uPsf] ;+rfng hf]lvdaf6 a}Fssf] ;du| hf]lvd Joj:yfkgdf yk r'gf}lt b]lvPsf] 5 . o; a}Fsn];+rfng hf]lvd Go"gLs/0fsf nflu k|To]s sf/f]af/ If]qsf] gLlt, lgod / sfo{ljlw tof/ u/L k|efjsf/L ?kdf nfu' ub}{ cfPsf] 5 .o;sf ;fy} ljleGg sf/f]af/sf] ;+rfngdf ;+nUg sd{rf/Lx?sf] sf/f]af/sf] k|s[lt cg';f/ clwsf/ k|Tofof]hg ul/Psf] 5 . ;+rfnghf]lvd Go"lgs/0fsf nflu canDag ul/Psf pkfox?sf] ljifodf hf]lvd Joj:yfkg ;ldltdf 5nkmn u/L cfjZos gLltx? th'{dfug]{ ul/Psf] 5 . a}Fssf ;Dk"0f{ sfdsf/afxLx? k|rlnt sfg'g adf]lhd eP u/]sf] 5 5}g To;sf] olsg ug]{ p2]Zon] a}Fsdf Pp6f:jtGq cfGtl/s n]vfkl/If0f ljefu u7g u/L To; ljefunfO{ u}/sfo{sf/L ;+rfnssf] ;+of]hsTjdf ul7t n]vfkl/If0f ;ldltdftxt /flvPsf] 5 .

-v_ ;+:yfut ;'zf;ga}+lsË Joj;fon] ;j{;fwf/0f hgtfsf] lgIf]k ;+sng u/L cfkm\gf] Joj;fo ;+rfng ug]{ ePsf]n] ;+:yfut ;'zf;gnfO{ pRr k|fyldstflbg'sf ;fy} cfGtl/s lgoGq0f k|0ffnLnfO{ ;'b[9 agfO{ s8fOsf ;fy nfu' ub}{ cfPsf] 5 . g]kfn /fi6« a}+saf6 hf/L lgb]{zgx? Pj+a}+ssf] ;+rfns ;ldltaf6 kfl/t gLlt, lgodx?nfO{ o; a}+sn] cIf/z kfngf ub}{ cfPsf] 5 . a}+sdf :yflkt cfGtl/s n]vfk/LIf0f;ldltsf] e"ldsf k|efjsf/L agfpg ;do–;dodf a}7s a;L cfGtl/s n]vfk/LIf0f k|ltj]bg Pj+ a}+sdf :yflkt cfGtl/s lgoGq0fk|0ffnLsf] ;do ;fk]If k'g/fjnf]sg ug]{ ul/Psf] 5 .

a}+ssf] ljQLo tyf ;+:yfut ;'zf;g nfO{ cem kf/bzL{ / k|efjsf/L agfp+b} hgljZjf; clej[l4 ug]{, ;j{;fwf/0fdf ljQLo kx'Frclej[l4 ug]{ / ljQLo Pj+ a}+lsË ;fIf/tf clej[l4 ug]{ sfo{qmdx? ;+rfng ul/g]5 .

-u_ dfgj ;+zfwgdfgj ;+zfwgsf] plrt Joj:yfkg u/L ;a} sd{rf/Lx?sf] dgf]an pRr /fVg] p2]Zon] g]kfn /fi6« a}Fssf] lgb]{zgsf] clwgdf /xLa}Fssf] ;+rfnssf] ;+of]hsTjdf "sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf ;ldlt" u7g ul/Psf] 5 . o; ;ldltn] ;do ;fk]Ifsd{rf/Lsf] ;]jf ;'ljwfsf] k'g/fjnf]sg u/L cfjZos a[l¢ ug]{ tyf sd{rf/Lx?sf] kf/bzL{ 9+un] :t/ a[l¢ ug{sf ;fy} bIf hgzlQmsf]lgo'lQmsf] nflu cfjZos gLlt tof/ kf/L k|efjsf/L 9Ën] sfof{Gjog ub}{ cfPsf] 5 . a}Fsn] cfˆgf] k|ultdf 7"nf] e"ldsf v]Ng]sd{rf/Lsf] of]ubfgnfO{ pRr d'Nofª\sg ub}{ cfˆgf hgzlQnfO{ yk bIftf k|bfg ug{ ;do ;fk]If cfjZos tflnd k|bfg ub{} cfPsf]5 . a}Fsdf @)&@ ciff9 d;fGt ;Dddf @@$ k'?if Pj+ !#* dlxnf sd{rf/L u/L s'n #^@ hgf sd{rf/Lx? sfo{/t 5g\ .

3_ a}+ssf]] efjL /0fgLlt / of]hgfa}+sn] :yfkgfsfn b]lvg} cfˆgf u|fxsju{x?nfO{ u'0f:t/Lo ;]jf lj:tf/ u/L qmlds ?kdf cfˆgf] Jofkf/ Joj;fo clej[l4 ub{} n}hfg]gLlt cjnDag ub}{ cfPsf]df rfn' cfly{s jif{df ;d]t ;f] qmdnfO{ lg/Gt/tf lbOg]5 . a}lsª If]qdf a9\bf] t/ntf;Fu} a}+ssf] lgIf]k;+/rgfnfO{ r':t agfpFb} n}hfg ljleGg lgIf]k of]hgfx? th{'df ug{'sf ;fy} ahf/ Joj:yfkgdf ;d]t ljz]if Wofg lbOg]5 .

o; a}+sn] ljkGg ju{df nufgL lj:tf/ ug]{ qmddf …ufO{dfO{ of]hgfÚ cGtu{t …k|fOd kz' shf{Ú , x:tsnf Joj;fosf] k'g?Tyfgsf nflu…k|fOd x:tsnf shf{Ú h:tf ljleGg shf{x? ;kmntf k'j{s ljkGg ju{ dfem lj:tf/ ub}{ cfPsf]df rfn' cf=j=df b]zsf s]xL If]qx?df:yfgLox?;Fu ;xsfo{ u/L …Ps kl/jf/ Ps pTkfbg’ sfo{qmd ;+rfng u/L k|To]s 3/ kl/jf/n] s'g} Ps s[lifhGo pTkfbg ug{sfnflu o; a}+saf6 ljkGg ju{ cGtu{tsf shf{ lj:tf/ ug]{ u[xsfo{ eO{/x]sf] 5 .


g]kfn /fi6« a}Fsn] ljut jif{x?af6 pTkfbglzn If]q, hnljB't kl/of]hgf Pj+ s[lif If]qdf nufgL a9fpgsf nflu ljz]if k|f]T;fxg ub}{cfPsf]df o; a}Fsn] ;d]t oL If]qx?df k|fyldstfsf ;fy nufgL ug]{ qmddf xfn;Dd s'n @&% d]3fjf6 Ifdtf a/fa/sf] !@ j6fljleGg hnljB't kl/of]hgfx?df ;xljQLos/0f nufgL cGtu{t cu'jf a}Fssf] e"ldsf ;lxt nufgL lj:tf/ u/]sf] 5 . ljut s]xLdlxgfaf6 b]zsf] cfk"lt{ Joj:yfdf c;xh cj:yf l;h{gf eO{ k]6«f]lnod kbfy{ Pj+ cGo cTofjZos j:t'x?sf] r/d cefj eO/x]sf]cj:yfdf o; a}Fsn] ljutsf jif{x? b]lvg} pTkfbglzn Pj+ phf{ If]qdf k|fyldstfsf ;fy ub}{ cfPsf] nufgL cfhsf] cj:yfdf cema9L ;fGble{s b]lvPsf] 5 . b]zsf] ljleGg lhNnfx?df e}/x]sf] cfGbf]ng Pj+ cfk"lt{ Joj:yfdf e}/x]sf] cj/f]wsf sf/0f b]zsf] ;du|u|fx:y pTkfbg g} C0ffTds x'g ;Sg] cfz+sf e}/x]sf] kl/l:yltdf a}FlsË If]qn] ;d]t 7"nf] r'gf}ltsf] ;fdgf ug{' kg]{ / o:tf] cj:yfdfb]zsf] cy{tGq ;an agfpgsf nfuL tyf a}+ssf] ljQLo :jf:Yodf k|lts"n c;/ gkg]{ u/L ;+oldt lgolGqt tyf k|efjsf/L e"ldsflgefpg' kg]{ l:ylt /x]sf] 5 . o; ;Gbe{df a}Fsaf6 shf{ pkef]u u/L cfˆgf Jofkf/ Joj;fo ;+rfng ub}{ cfpg'ePsf u|fxsx?nfO{a}Fs / C0fLsf] ;DaGwsf ?kdf geO{ Ps csf{sf] Joj;flos ;fem]bf/sf] ?kdf lnO{ a}Fsn] o; ljifd kl/l:yltsf] ;fdgf ug{ cfjZos;xsfo{ ug]{5 . ;fy} b]znfO{ cfTdlge{/ agfpb} hfg'kg]{ cfhsf] cfjZostfnfO{ dWogh/ u/L s[lif, n3'pBd h:tf ;fgf b]lv 7"nf]kl/of]hgfx?df ;d]t a}Fsn] k|fyldstfsf ;fy nufgL ul/g] 5 .

>L g]kfn /fi6« a}Fsn] xfn} hf/L u/]sf] lgb]{zg cg';f/ cf=j= @)&#÷&$ leq r'Qmf k"FhL ?= * ca{ k'¥ofpg' kg]{ k|fjwfg cg';f/ a}Fsn]s]xL ljQLo ;+:yfx?nfO{ ufEg], xsk|b z]o/ hf/L ug]{ tyf af]gz z]o/ hf/L u/L cf=j= @)&#÷&$ leq cfˆgf] r'Qmf k"FhL ?= * ca{k'¥ofpg] k"FhL a[l¢ of]hgf ;fj{hlgs ul/;s]sf] 5 . a}Fssf] r'Qmf k"FhL a[l¢ of]hgf cGtu{t cf=j=@)&!÷&@ sf] d'gfkmfaf6 !*Üaf]g; z]o/ hf/L ug]{ Pj+ cf=j= @)&@÷&# leq # M ! cg'kftdf xsk|b z]o/ hf/L ug]{ k|:tfj o;} ;efdf k]z ul/Psf] 5 . ;fy}a}Fsn] s]xL ljQLo ;+:yfx?nfO{ ufEg] k|s[ofsf] cfjZos u[xsfo{ e}/x]sf]n] cf=j= @)&@÷&# leq ;Dk"0f{ k|s[of ;DkGg u/L PsLs[tsf/f]af/ z'? ug]{ a}Fsn] nIo lnPsf] 5 .

cGTodf,

o; a}+ssf] k|ultdf k|ToIf jf ck|ToIf ?kn] ;xof]u k'¥ofpg' x'g] ;Dk"0f{ z]o/wgL dxfg'efjx?, u|fxsju{, g]kfn /fi6« a}+s, lwtf] kq af]8{,g]kfn :6s PS;r]Gh, g]kfn ;/sf/sf ;DalGwt lgodg lgsfox? Pj+ cGo ;/f]sf/jfnfx?nfO{ xflb{s wGojfb 1fkg ug{ rfxG5fF} . a}+ssf]pGglt / k|ultdf lg/Gt/ nugzLntfsf ;fy of]ubfg k'¥ofpg] a}+s Joj:yfkg tyf sd{rf/Lx?nfO{ ljz]if wGojfb lbg rfxG5f}F . ;fy}a}+ssf] x/]s ultlalwx?nfO{ ;sf/fTds 9+un] cfd hg;d'bfo ;dIf ;Dk|]if0f ul/lbg] ;+rf/ hut nufot cGo ;Dk"0f{ z'e]R5'sx? k|ltxflb{s cfef/ k|s6 ub{5f}+ .

wGojfb .

;~rfns ;ldltldlt M @)&@ kf}if @( k|fOd sdl;{on a}+s lnld6]8


k|fOd sdl;{on a}+s lnld6]8sDkgL P]g, @)^# sf] bkmf !)( ;+u ;DjlGwt

cltl/Qm jflif{s cfly{s ljj/0f

!_ a}+ssf] cf}Bf]lus tyf Jofj;flos ;DaGw Ma}+sn] cfˆgf ;a} ;/f]sf/jfnfx¿;Fu ;f}xfb|k"0f{ / Jofj;flos ;DaGw lj:tf/ u/]sf] 5 . o; ;DaGwnfO{ Jofj;flos tyf kf/blz{tfsfcfwf/df ljsl;t ub}{ n}hfg' kmnbfoL x'g] / a}+ssf] k|ultsfnflu pko'Qm dfWod x'g] a}+ssf] ljZjf; 5 .

@_ ;~rfns ;ldltdf ePsf] x]/k]m/ / ;f]sf] sf/0f M;dLIff aif{df a}+ssf] ljz]if ;fwf/0f ;efaf6 a}+sdf /x]sf] z]o/ :jfldTj ;+:yfks %! / ;j{;fwf/0f $( k|ltzt ePsf] x'gfn] ;~rfns;ldltdf ;+:yfks z]o/wgLx?sf] k|ltlglwTj ug]{ $ hgf ;+rfns / ;j{;fwf/0f z]o/wgLx?af6 @ hgf ;+rfnsx? lglj{/f]w lgjf{lrt x'g'eO{ xfn ;+rfns ;ldltdf ;+:yfks z]o/wgLx?sf] tkm{af6 $ hgf / ;j{;fwf/0f ;d"xaf6 $ hgf ;~rfnsx? /x]sf 5g .

#_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltlqmof Mlgoldt sf/f]Aff/df b]lvPsf ;fdfGo s}lkmot afx]s cGo s'g} gsf/fTds s'/fx¿ n]vfk/LIf0f k|ltj]bgdf b]lvPsf] 5}g . k|fKt k|ltlqmof/ ;'emfjx¿df ;~rfns ;ldltsf] Wofgfsif{0f ePsf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ n]vfk/LIf0fdf b]lvPsf] d'Vo s}lkmotx? tyfa}+s Joj:yfkgsf] hjfkmnfO{ o;} k|ltj]bgsf] cg';"rLsf] ?kdf k|:t't ul/Psf] 5 .

$_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof M;dLIff jif{df s'g} klg z]o/ hkmt ul/Psf] 5}g .

%_ a}+s / o;sf] ;xfos sDkgLn] ljut cfly{s jif{df u/]sf] k|ult Ma}+ssf] o; cf=j=sf] k|ult ljj/0f o;} k|ltj]bgdf aF'bfut ¿kdf k|:t't ul/Psf] 5 / o; a}+ssf] s'g} ;xfos sDkgL 5}g .

^_ ;dLIff cjlwdf a}+s / o;sf ;xfos sDkgL;“usf] sf/f]af/ / To;df ePsf] dxTjk"0f{ x]/km]/ M– ;xfos sDkgL gePsf]

&_ ljut cfly{s aif{df sDkgLsf] cfwf/e't z]o/wgLx¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L M– cfwf/e't z]o/wgLx?n] s'g} klg hfgsf/L pknJw gu/fPsf] .

*_ ljut cfly{s jif{df a}+ssf ;~rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f M qm=;+= ;~rfnsx¿sf] gfd kb lnPsf] z]o/ lsQf

! >L pd]z >]i7 cWoIf !,#&!,!)&@ >L /fh]Gb| bf; >]i7 ;~rfns &*,^!&# >L g/]Gb| ah|frfo{ ;~rfns #)!,*(%$ >L Zofd axfb'/ >]i7 ;~rfns #!!,#@(% >L pQd gf/fo0f >]i7 ;~rfns #,!$%^ >L pbo df]xg >]i7 ;~rfns @)$,$)&& >L lbg]z >]i7 ;~rfns &%%* >L af;'b]a l/hfn ;~rfns !*%( >L Gff/fo0f bf; dfgGw/ k|d'v sfo{sf/L clws[t (#,#((

!) cGo kbflwsf/Lx? !(),^)!

!)_ a}+s;“u ;DalGwt ;Demf}tfx¿df s'g} ;~rfns tyf lghsf cfkmGtsf] JolQmut :jfy{ ;DaGwL hfgsf/L M– gePsf] .

!!_ k'gM vl/b ul/Psf z]o/x¿sf] ljj/0f M;dLIff jif{df z]o/x¿sf] k'gM vl/b sfo{ ePg .


!@_ ;dLIff cjlwdf ePsf] s'n Joj:yfkg vr{ Msd{rf/L vr{ M ¿= !&%,%(!,(!%

;~rfng vr{ M ¿= @$&,&&$,^($

s'n M ¿= $@#,#^^,^)(

!#_ n]vfk/LIf0f ;ldlt Ma}ssf] ;~rfns >L /fh]Gb| bf; >]i7sf] ;+of]hsTjdf ul7t n]vfk/LIf0f ;ldltdf ;~rfns >L Zofd axfb'/ >]i7 ;b:o tyf a}+ssf]cfGtl/s n]vfk/LIf0f ljefusf k|d'v >L ldng rGb| dxh{g ;lrj /xg'ePsf] 5 . To; ;ldltn] a}ssf] ljQLo l:ylt, cfGtl/s lgoGq0f/ hf]lvd Joj:yfkg, sfg"g / lgodx? kfngf, n]vfk/LIf0f sfo{qmd cflbaf/] lgoldt ;dLIff ub}{ cfPsf] 5 . cfGtl/s ;fy} afXon]vfk/LIf0f k|ltj]bgdf plNnlvt s}lkmotx¿dfly lj:t[t 5nkmn u/L ;ldltn] cfjZos ;'wf/sf sfdx¿ ;d]t ub]{ cfPsf] 5 . To;sf]lgoldt ¿kdf ;~rfns ;ldltnfO{ hfgsf/L u/fpg] ul/Psf] 5 .

!$_ s'g} ;~rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf cfkmGt jf pgLx¿;“u ;DalGwt ;+:yfx¿n] a}snfO{a'emfpg af“sL /sd M– s]xL gePsf] .

!%_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ k|bfg ul/Psf] kfl/>lds eQf tyf ;'ljwfx¿

l;=g+= ljj/0f ;~rfns k|d'v sfo{sf/L clws[t cGo kbflwsf/Lx¿! a}7s eQf @,^&^,))) – –

@ tna – %,&^),))) ^),@&,*$)# eQf – #*,$),))) $,!@*,)))$ bz} eQf – *)),))) $(^,**)% ;+rosf]if – %,&^,))) ^)@,&*$^ af]g; – k|rlnt af]g; P]g cg'?k k|rlnt af]g; P]g cg'?k& ;jf/L ;fwg ;'ljwf 5}g 5 5* df]jfOn 5}g 5 5( OGwg 5}g 5 5

*cGo ;ldltsf] a}7s eQf :j?k ;~rfns ;b:ox?nfO{ ?=&%),)))÷–dfq k|bfg ul/Psf] 5 .

> k|d'v sfo{sf/L clws[tnfO{ rfns OGwg / dd{t;+ef/ ;lxt uf8L ;'ljwfsf] Joj:yf ul/Psf] 5 . cGo k|d'v kbflwsf/Lx¿nfO{

lgodfg';f/ uf8L ;'ljwf pknJw u/fOPsf] 5 .

> k|d'v sfo{sf/L clws[t nufot sfo{sf/L txsf clws[tx¿nfO{ a}+ssf] lgodfg';f/ df]jfOn ljnsf] e'QmfgL a}+sn] ul/lbg]

Joj:yf ul/Psf] 5 .

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@)_ cGo cfjZos s'/fx¿ M– gePsf] .


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!=^ cGo !=*@ %&,#)#,@)) @=@* ^),)&&,&*)

!=& ;j{;fwf/0f $(=)) !,%#*,^@%,*^& #)=#! &((,*)(,(&$

@= j}b]lzs :jfldTj – – – –

hDdf !))=)) #,!$),)%@,&^& !))=)) @,^#*,^((,*)$


>L pd]z >]i7 !,#&!,!)& $=#& !#&,!!),&))>LdtL ;'lznf ldQn #!$,$&# !=)) #!,$$&,#))>L e'k]Gb| dfg k|wfg #!$,$&# !=)) #!,$$&,#))>L g/]z nfn >]i7 #!$,$&# !=)) #!,$$&,#))>L ;'Gb/ gf/fo0f hf]zL #!$,$&# !=)) #!,$$&,#))>LdtL z}nhf ah|frfo{ #!!,#@( )=(( #!,!#@,())>L Zofd axfb'/ >]i7 #!!,#@( )=(( #!,!#@,())>L g/]Gb| ah|frfo{ #)!,*(% )=(^ #),!*(%))>L ;lgGb| ah|frfo{ @(*,&$( )=(% @(,*&$,())>L dgf]x/ bf; d'n @(*,&$( )=(% @(,*&$,())>L ;'jfz >]i7 @(*,&$( )=(% @(,*&$,())>L /f]zg >]i7 @(*,&$( )=(% @(,*&$,())>L czf]s >]i7 @(*,&$( )=(% @(,*&$,())>L laqmd kf08] @(*,&$( )=(% @(,*&$,())>L s]bf/ eQm >]i7 @%*,^%& )=*@ @%,*^%,&))>L dx]z /fhsl0f{sf/ @%!,%&* )=*) @%,!%&,*))>L cfË 8]08L z]kf{ @$!,#)! )=&& @$,!#),!))>L dx]Gb| /Tg zfSo @#^,%^$ )=&% @#,^%^,$))>L k|lbk s'df/ cu|jfn @@),!#! )=&) @@,)!#,!))>L nfOkm OG:of]/]G; skf]{/]zg ln= @@),$)& )=&) @@,)$),&))>L ljsfz b'u8 @!),#*$ )=^& @!,)#*,$))>L s'd'b s'df/ b'u8 @!),#*$ )=^& @!,)#*,$))>L g/]z b'u8 @!),#*$ )=^& @!,)#*,$))>L o'gfO6]8 l8i6«LAo'6;{ g]kfn @)*,@$( )=^^ @),*@$,())>L /fdsfhL kf}8]n @)$,$)& )=^% @),$$),&))>L pbo df]xg >]i7 @)$,$)& )=^% @),$$),&))>L c¿0f /fh >]i7 !*&,()^ )=^) !*,&(),^))>L lbks dfg >]i7 !&*,*(@ )=%& !&,**(,@))>LdtL /hgL a}B !&^,)$% )=%^ !&,^)$,%))>L la/]Gb| ah|frfo{ !&@,@!! )=%% !&,@@!,!))>L nlnt axfb'/ ad !%&,@#^ )=%) !%,&@#,^))>L lhk l5l/Ë nfdf !%&,@#^ )=%) !%,&@#,^))>L /d]z s'df/ lznjfn !%&,@#^ )=%) !%,&@#,^))>L lbg]z s'df/ nD;fn !%&,@#^ )=%) !%,&@#,^))>L ;'lgn eQm >]i7 !%&,@#^ )=%) !%,&@#,^))>L lgd{n nfn >]i7 !%&,@#^ )=%) !%,&@#,^))>L k|sfz /fd hfls aGhf !%&,@#^ )=%) !%,&@#,^))>L /d]z dxh{g !%&,@#^ )=%) !%,&@#,^))>LdtL sdnf b]jL >]i7 !%&,@#^ )=%) !%,&@#,^))>L k'0o k|;fb kf}8]n !%&,@#^ )=%) !%,&@#,^))

hDdf !),#!),#!# #@=*# !,)#!,)#!,#))hDdf a}+ssf] z]o/ ;+Vof #!,$)),%@*

k|fOd sdl;{on a}+s lnld6]8)=% k|ltzt eGbf a9L z]o/ :jfldTj x'g] z]o/wgLx¿

gfd z]o/ ;+Vof k|ltzt r'Qmf /sd


cg';"rL @k|fOd sdl;{on a}+s lnld6]8

hu]8f tyf sf]ifx¿-@)&@ cfiff9 d;fGt_


!= ;fwf/0f hu]8f sf]if %*),#&(,!(% $#!,@^!,#&)

@= k"FhLut hu]8f sf]if – –

#= k"FhL lkmtf{ hu]8f sf]if – –

$= k"FhL ;dfof]hg sf]if – –

%= cGo hu]8f tyf sf]if – –

%=! e}k/L cfpg] hu]8f – –

%=@ ;+:yf ljsf; sf]if – –

%=# nfef+z ;lds/0f sf]if – –

%=$ ljz]if hu]8f sf]if – –

%=% ;DklQ k"gd"{Nof+sg sf]if – –

%=^ :yug s/ hu]8f #@,(%@,%((

%=& cGo :jtGq sf]if #@,(%@,%((

%=* nufgL ;dfof]hg hu]8f !,^*^,(#( $@),)))

%=( cGo hu]8f sf]if – –

^= ;l~rt gfkmf÷gf]S;fg !@,$#@,@*% !@,!*%,@($

&= ;6xL 36a9 sf]if &%,&#$ &%,&#$

hDdf ^@&,%@^,&%@ $&^,*($,((&

cg';"rL #

k|fOd sdl;{on a}+s lnld6]8C0fkq tyf j08-@)&@ cfiff9 d;fGt_


!= ============== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ========= ¿= n] =========

ldlt ====================== df hf/L ePsf] / ldlt ================ df r'Stf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= ===========================_ – –

@= ============== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ========= ¿= n] =========

ldlt ====================== df hf/L ePsf] / ldlt ================ df r'Stf x'g]

-xfn;Ddsf] Redemption Reserve /sd ¿= ===========================_ – –

#= – –

hDdf !+@+# – –


cg';"rL $k|fOd sdl;{on a}+s lnld6]8

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


s= :jb]zL!= g]kfn ;/sf/ – –@= g]kfn /fi6« a}+s – –#= l/kf] bfloTj – –$= cGt/ a}+s tyf ljQLo ;+:yf – –%= cGo ;+ul7t ;+:yfx¿ – –^= cGo – –

hDdf – –

v= ljb]zL!= a}+sx¿ – –@= cGo – –

hDdf – –hDdf -s+v_ – –


cg';"rL %k|fOd sdl;{on a}+s lnld6]8

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


!= Jofh ltg'{ gkg]{ vftfx¿s= rNtL lx;fa !,@&#,*(*,%$* (&^,!)$,#!&!= :jb]zL d'b|fdf !,@!@,^$(,*^@ (^^,#*(,^%&

!=! g]kfn ;/sf/ $@,^%*,(&* #*^,@**

!=@ æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ !((,%$) !((,%$)

!=# cGo Ohfht k|fKt ljQLo ;+:yfx¿ %@,%$!,)@# $%,(*%,*$@

!=$ cGo ;+ul7t ;+:yfx¿ (@),(@@,@^# &%&,**%,#&&

!=% JolQmut !#),@((,#!# !#),&^$,(($

!=^ cGo ^^,)@*,&$% #!,!^&,^!^

@= ljb]zL d'b|fdf ^!,@$*,^*^ (,&!$,^^!@=! g]kfn ;/sf/ – –

@=@ æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ – –

@=# cGo Ohfht k|fKt ljQLo ;+:yfx¿ – –

@=$ cGo ;+ul7t ;+:yfx¿ ^),@*$,(%@ @,&)^,**!

@=% JolQmut %!@,)!^ –

@=^ cGo $%!,&!* &,))&,&*)

v= dflh{g lgIf]k $$@,@(&,#@^ #$%,@^&,&#(!= sd{rf/L hdfgt – –

@= hdfgt dflh{g #%%,@*#,*@^ @(^,!&),$)%

#= k|lttkq dflh{g *&,)!#,%)) $(,)(&,##$

u= cGo – –

!= :jb]zL d'b|fdf – –

!=! ljQLo ;+:yfx¿ – –

!=@ cGo ;+ul7t ;+:yfx¿ – –

!=# JolQmut – –

@= ljb]zL d'b|fdf – –

@=! ljQLo ;+:yfx¿ – –

@=@ cGo ;+ul7t ;+:yfx¿ – –

@=# JolQmut – –

Jofh ltg'{ gkg]{ vftfx¿sf] hDdf !,&!^,!(%,*&$ !,#@!,#&@,)%^


cg';"rL %k|fOd sdl;{on a}+s lnld6]8

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


@= Jofh ltg'{ kg]{ vftfx¿s= art lx;fa ^,)@#,!&$,&^$ %,!!&,^$%,%)!

!= :jb]zL d'b|fdf %,(*%,$)(,(*$ %,)*$,^@*,&#)!=! ;+3 ;+:yfx¿ – –

!=@ JolQmut %,(*%,#$^,(&% %,)&^,&*$,)@@

!=# cGo ^#,))* &,*$$,&)*

@= ljb]zL d'b|fdf #&,&^$,&*! ##,)!^,&&@@=! ;+3 ;+:yfx¿ – –

@=@ JolQmut #&,&^$,&*! ##,)!^,&&@

@=# cGo – –

v= d'2tL lx;fa !^,*$^,@$&,@^& !!,%*@,)!$,)&#!= :jb]zL d'b|fdf !^,*$^,@$&,@^& !!,%*@,)!$,)&#

!=! ;+3 ;+:yfx¿ !%,!$%,((!,$@@ (,*&%,@%#,#((

!=@ JolQmut !,^&),&*),*$% !,!(&,^%#,!&$

!=# cGo @(,$&%,))) %)(,!)&,%))


@=! ;+3 ;+:yfx¿ – –

@=@ JolQmut – –

@=# cGo – –

u= dfu]sf] avt ltg'{kg]{ lx;fa !^,$@),!#^,^^) !^,)@$,@#!,)@(!= :jb]zL d'b|fdf !^,#&&,&%*,)@% !%,(*%,&$&,%@(

!=! æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ – –

!=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ %,%^!,%%&,(%( %,$)%,)**,&%&

!=# cGo ;+ul7t ;+:yfx¿ *,&@!,@@#,@#! *,$!%,!(),#$*

!=$ JolQmut !,^!!,#)^,*&$ !,^)$,%%$,%!%

!=% cGo $*#,^^(,(^) %^),(!#,()(

@= ljb]zL d'b|fdf $@,#&*,^#% #*,$*#,%)!@=! æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ – –

@=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ – –

@=# cGo ;+ul7t ;+:yfx¿ $@,@&&,)#% @&,$$(,#^!

@=$ JolQmut – –

@=% cGo !)!,^)) !!,)#$,!$)

3= ;l6{lkms]6 ckm l8kf]lh6 – –!= ;+ul7t ;+:yf – –

@= JolQmut – –

#= cGo – –

Jofh ltg'{kg]{ vftfx¿sf] hDdf #(,@*(,%%*,^(@ #@,&@#,*(),^)$-!+@_ hDdf lgIf]k $!,))%,&%$,%^^ #$,)$%,@^@,^^)


cg';"rL ^k|fOd sdl;{on a}+s lnld6]8

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


!= :jb]zL d'b|f !),)^(,$&* %),)!$,$&%

@= ljb]zL d'b|f ^(,&&#,%(& !#,(!%,#&%

hDdf &(,*$#,)&% ^#,(@(,*%)

cg';"rL &k|fOd sdl;{on a}+s lnld6]8

cGo bfloTj-@)&@ cfiff9 d;fGt_

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

!= k]G;g÷pkbfg sf]if !@,@(%,@$& *,#&%,)@&@= sd{rf/L ;~ro sf]if @,)$# !!,$$$#= sd{rf/L sNof0f sf]if – –$= sd{rf/L jf]g; Joj:yf !)^,%&&,(!* &(,)^$,%%(%= lgIf]kdf e'QmfgL lbg afFsL Jofh &),*&*,$$( !),@@*,!)!^= ;fk6Ldf e'QmfgL lbg afFsL Jofh – –&= kfsL g;s]sf] l8:sfp06 / sldzg – –*= ;08«L qm]l86;{ @,(^@,%@@ @,*^%,$!$(= zfvf lx;fa ldnfg – –

!)= :yug s/ bfloTj – –!!= e'QmfgL lbg afFsL nfef+z /sd #&,#^@,$%( %!,$^(,(((!@= cGo !@@,^&(,#!@ !@^,$@@,#$#

-s_ n]vf kl/If0f z'Ns &%),))) %#),)))-v_ ljljw bfloTj !@!,(@(,#!@ !@%,*(@,#$#

– cGo bfloTjx¿ !%,)*!,@%@ !$,&(^,($!– cGo vr{ Joj:yfx¿ *,**),))# *,^*),!%&– lxdfnog kmfOgfG;sf] nflu Joj:yf $*,@@$,$*$ $*,@@$,$*$– SCT & VISA nfO{ ltg'{kg]{ &,^*#,#$$ @,($),%$*– ;|f]tdf s/ s§L !*,&*!,$&^ !^,&!@,!#$– Retention /sd !,##*,((^ !,#&@,$%#– w/f}6L /sd @,%%%,))% !&,&&&,&*@– ;+lrt ljbf Joj:yf !(,#*$,&%! !%,#*&,*$$

hDdf #%@,&%&,(%) @&*,$#^,**&

cg';"rL *

k|fOd sdl;{on a}+s lnld6]8gub df}Hbft

-@)&@ cfiff9 d;fGt_ljj/0f o; jif{ ¿= ut jif{ ¿=

!= :jb]zL d'b|f -l;Ssf ;d]t_ !,%^*,%^^,%(! !,$*(,)!*,&$$

@= ljb]zL d'b|f !(,@*!,#^* ^,*%),))(

hDdf !,%*&,*$&,(%* !,$(%,*^*,&%#


cg';"rL (k|fOd sdl;{on a}+s lnld6]8

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

ljj/0f :jb]zL d'b|f ljb]zL d'b|f o; jif{ s'n ¿= ut jif{ ¿=ef=¿= kl/jTo{ lj=d"= hDdf

!= g]kfn /fi6« a}+s $,@!#,$&$,$%% – ^#,)#),#$( ^#,)#),#$( $,@&^,%)$,*)$ %,%$),!(#,*^$

s= rNtL vftf $,@!#,$&$,$%% – ^#,)#),#$( ^#,)#),#$( $,@&^,%)$,*)$ %,%$),!(#,*^$

v= cGo vftf – – – – – –

hDdf $,@!#,$&$,$%% – ^#,)#),#$( ^#,)#),#$( $,@& ,̂%)$,*)$ %,%$),!(#,*^$gf]6M g]kfn /fi6« a}+ssf] ;dy{gkq cg';f/sf] s'n df}Hbft ¿= $,@(^,!#*,))% /x]sf]df km/s /sdsf] lx;fa ldnfg e};s]sf] 5 .

cg';"rL !)

k|fOd sdl;{on a}+s lnld6]8a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

-@)&@ cfiff9 d;fGt_

ljj/0f :jb]zL d'b|f ljb]zL d'b|f o; jif{ s'n ¿= ut jif{ ¿=ef=¿= kl/jTo{ lj=d"= hDdf

!= :jb]zL Ohfhtkq

k|fKt ;+:yfx¿ !$!,(!#,(#^ – *,)%%,&($ *,)%%,&($ !$(,(^(,&#) (#,%$&,@!@

s= rNtL vftf !$!,(!#,(#^ – *,)%%,&($ *,)%%,&($ !$(,(^(,&#) (#,%$&,@!@

v= cGo vftf – – – – –

@= ljb]zL a}+sx¿ – #$$,@!%,#&) @^$,##%,%)& ^)*,%%),*&& ^)*,%%),*&& !#*,&$(,#&@

s= rNtL vftf – #$$,@!%,#&) @^$,##%,%)& ^)*,%%),*&& ^)*,%%),*&& !#*,&$(,#&@

v= cGo vftf – – – – – –

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

gf]6M ;DalGwt Ohfhtk|fKt ;+:yfx¿sf] ;dy{gkq cg';f/sf] s'n df}Hbft ¿= &&^,*$(,@^( /x]sf]df km/s /sdsf] lx;fa ldnfg e};s]sf] 5 .

cg';"rL !!

k|fOd sdl;{on a}+s lnld6]8dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx¿

-@)&@ cfiff9 d;fGt_ljj/0f o; jif{ ¿= ut jif{ ¿=

!= :jb]zL d'b|fdf $*,@@$,$*$ $*,@@$,$*$


hDdf $*,@@$,$*$ $*,@@$,$*$


cg';"rL !@k|fOd sdl;{on a}+s lnld6]8

nufgL-@)&@ cfiff9 d;fGt_

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

!= g]kfn ;/sf/sf] 6«]h/L ljn – $,##),!&!,@)# $,##),!&!,@)# @,)&(,!(#,!)#

@= g]kfn ;/sf/sf] artkq – – – –

#= g]kfn ;/sf/sf] cGo C0fkq – %*$,!%),))) %*$,!%),))) @&),))),)))

$= g]kfn /fi6« a}+ssf] C0fkq – – – –

%= ljb]zL C0fkq – – – –

^= :jb]zL Ohfhtkq k|fKt ;+:yfx¿ – #),$*),))) #),$*),))) @)@,)@),)))

&= ljb]zL a}+s – &!!,$@#,$!% &!!,$@#,$!% #*$,*)),)))

*= ;+ul7t ;+:yfx¿sf] z]o/ – *^,*$^,(^) *^,*$^,(^) @#,%)),)))

(= ;+ul7t ;+:yfx¿sf] l8j]Gr/ tyf j08 – – – –

!)= cGo nufgL – – – –

s'n nufgL – %,&$#,)&!,%&* %,&$#,)&!,%&* @,(%(,%!#,!)#

Joj:yf – – – –

v'b nufgL – %,&$#,)&!,%&* %,&$#,)&!,%&* @,(%(,%!#,!)#


cg';"rL !@-s_k|fOd sdl;{on a}+s lnld6]8

z]o/, l8a]Gr/ tyf j08df nufgL-@)&@ cfiff9 d;fGt_

ljj/0f k/n ahf/ Joj:yf o; jif{ ¿ ut jif{ ¿=df]n ¿= d"Nofg';f/ ¿= /sd ¿=

!= z]o/ nufgL *^,*$^,(^) – *^,*$^,(^) @#,%)),)))!=! g]kfn lSnol/Ë xfp; lnld6]8sf] @,%)),))) @,%)),))) @,%)),)))

@%,))) ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r'Qmf

!=@= dlxnf ;x–ofqf n3'ljQ ljQLo ;+:yf lnld6]8sf] !$,))),))) !$,))),))) !$,))),)))

!$),))) ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r'Qmf

!=# d]/f] dfOqmf] kmfOgfG; ljQLo ;+:yf lnld6]8sf] !$,))),))) !$,))),))) &,))),)))

!$),))) ;fwf/0f z]o/, k|lt z]o/ ¿= !)) n] r'Qmf ePsf]

!=$ Pg=Pd=la= ;'ne OGe]i6d]G6 km08 !%,^%(,(*) !%,^%(,(*) !%,^%(,(*)

!,%^%,((* ;fwf/0f z]o/ k|lt z]o/ ¿= !) n] r'Qmf ePsf]

!=% Pg=cfO{=lj=Pn= ;Da[l4 km08 @&,*@@,%%) @*,!)),&&^ @&,*@@,%%)

@,&*@,@%% ;fwf/0f z]o/ k|lt z]o/ ¿= !) n] r'Qmf ePsf]

!=^ nIdL Eofn' km08 !@,*^$,$#) !@,*^$,$#) !@,*^$,$#)

!,@*^,$$# ;fwf/0f z]o/ k|lt z]o/ ¿= !) n] r'Qmf ePsf]

@= l8j]Gr/ tyf j08 nufgL@=! ========= sDkgL -k|f=ln=÷ln=_

========= k|ltzt l8j]Gr/÷j08 k|lt l8j]Gr/÷j08

¿= ====================== n] ================ – – – – –

@=@ ========================================= – – – – –

@=# ========================================== – – – – –

s'n nufgL *^,*$^,(^) – – *^,*$^,(^) @#,%)),)))#= hf]lvd ;DaGwL Joj:yf – – – – –

#=! ut jif{ ;Ddsf] Joj:yf – – – – –

#=@ o; jif{sf] yk÷36 – – – – –

s'n Joj:yf – – – – –

v'b nufgL *^,*$^,(^) – – *^,*$^,(^) @#,%)),)))


cg';"rL !@=!k|fOd sdl;{on a}+s lnld6]8

Aofkfl/s nufgL-@)&@ cfiff9 d;fGt_k/n kl5Nnf] xfnsf] o; jif{ ut jif{

ljj/0f d"No ahf/ ahf/ gfkmf -gf]S;fg_ gfkmf -gf]S;fg_ s}lkmotd"No -s_ d"No -v_ /sd -v–s_ /sd

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

@= g]kfn ;/sf/sf] artkq – – – – –

#= g]kfn ;/sf/sf] cGo C0fkq – – – – –

$= g]kfn /fi6« a}+ssf] C0fkq – – – – –

%= ljb]zL C0fkq – – – – –

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

&= :jb]zL Ohfhtkqk|fKt ;+:yf, l8j]Gr/ tyf j08 – – – – –

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 – – – – –

(= ljb]zL a}+s nufgL – – – – –

!)= cGt/ a}+s nufgL – – – – –

!!= cGo nufgL – – – – –

s'n nufgL – – – – –

ut jif{ ¿= ljj/0fk/n ahf/ Joj:yf o; jif{ ¿ s}lkmot

df]n ¿= d"Nofg';f/ /sd

cg';"rL !@=@k|fOd sdl;{on a}+s lnld6]8

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL-@)&@ cfiff9 d;fGt_k/n xfn;Ddsf\ o; jif{SF] o; jif{ ut jif{sf]

ljj/0f d"No Iflt /sd Iflt /sd gfkmf -gf]S;fg_ /sd s}lkmot -s_ -v_ -u_ /sd -s–v–u_

!= g]kfn ;/sf/sf] 6«]h/L ljn $,##),!&!,@)# – – @,)&(,!(#,!)#

@= g]kfn ;/sf/sf] artkq – – – – –

#= g]kfn ;/sf/sf] cGo C0fkq %*$,!%),))) – – @&),))),)))

$= g]kfn /fi6« a}+ssf] C0fkq – – – – –

%= ljb]zL C0fkq – – – – –

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

&= :jb]zL Ohfhtkq k|fKt ;+:yfsf], l8j]Gr/ tyf j08 – – – – –

*= :jb]zL ;+ul7t ;+:yfsf] z]o/, l8j]Gr/ tyf j08 – – – – –

(= ljb]zL a}+s nufgL &!!,$@#,$!% – – – #*$,*)),)))

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@= art lgIf]k !$^,*&#,*!$ !^&,!)$,)(@@=! :jb]zL d'b|f !$^,^)(,#)) !^^,*!#,@&(

@=@ ljb]zL d'b|f @^$,%!% @(),*!#

#= dfu]sf] avt ltg'{kg]{ lgIf]k &(%,)%^,#@@ **),(*%,)*##=! :jb]zL d'b|f &($,@!#,@@) **),@**,)(%

#=@ ljb]zL d'b|f *$#,!)@ ^(^,(**

$= ;l6{lkms]6 ckm l8kf]lh6;\ – –v= shf{ ;fk6df !,#%%,^@% @&),*#^

!= C0fkq tyf j08 – –

@= g]kfn /fi6« a}+saf6 k|fKt shf{ – –

#= cGt/ a}+s÷ljQLo ;+:yf shf{ !,#%%,^@% @&),*#^

$= cGo ;+ul7t ;+:yf – –

%= cGo shf{ – –

u= cGodf – –!= ================================ – –

@= =============================== – –

hDdf !,*%$,*%@,!^$ !,*!!,@)#,@@)


cg';"rL @)k|fOd sdl;{on a}+s lnld6]8

sldzg tyf l8:sfpG6 cfDbfgL->fj0f !, @)&! b]lv cfiff9 #!, @)&@ ;Dd_


s= laN; v/Lb tyf l8:sfp06 !&,%#(,$)) %,#%&,($#!= :jb]zL !&,%)^,!#& %,@*!,&##@= ljb]zL ##,@^# &^,@!)

v= sldzg *^,)@%,$%( ^%,%&&,(#(!= k|lttkq !@,(%$,@%% !*,*#!,@##@= hdfgtkq %(,#$*,#!$ $#,(%(,#^(#= sn]S;g kmL @%&,^^! @^^,&!*$= /]ld6]G; kmL @,@&@,@$$ @,@@@,$($%= qm]l86 sf8{ – –^= z]o/ k|Tofe"lt÷lgisfzg – –&= ;/sf/L sf/f]af/ jfkt – –*= O=k|f sldzg jfkt !!,!(@,(*^ @(*,!@%(= a§f cfDbfgL – –

u= cGo #%*,(^! !!#,^&@

hDdf !)#,(@#,*@) &!,)$(,%%$

cg';"rL @!

k|fOd sdl;{on a}+s lnld6]8cGo ;~rfng cfDbfgL

->fj0f !, @)&! b]lv cfiff9 #!, @)&@ ;Dd_ljj/0f o; jif{ ¿= ut jif{ ¿=

!= ;]km l8kf]lh6 eN6sf] ef8f !,&)*,%%^ !,@%&,@%!

@= qm]l86sf8{ lgisfzg tyf gjLs/0f – –

#= ATM sf8{ lgisfzg tyf gjLs/0f @,*)#,&&) $,%%#,($^

$= 6]n]S;÷l6=6L= %,)@!,*^& #,*^),))#

%= ;]jf z'Ns @!#,%^^,)&# @)),@$#,(#*

^= gjLs/0f z'Ns – –

&= cGo ##,*@),!@! #!,%%%,@%*

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


cg';"rL @#k|fOd sdl;{on a}+s lnld6]8

sd{rf/L vr{->fj0f !, @)&! b]lv cfiff9 #!, @)&@ ;Dd_


!= tna &@,)@(,)&& %&,$*(,$&@

@= eQf %&,(*&,%)! $*,!)),)()

#= ;~rosf]ifdf yk ^,*$(,(%! %,$#),#!!

$= tflnd vr{ !,#$(,$## !,##%,^*^

%= kf]zfs #,)%!,))) @,&#@,$!%

^= cf}ifwf]krf/ – –

&= aLdf !,#(%,@%! !,##&,)@&

*= k]G;g tyf pkbfg Joj:yf $,))&,!!& #,&(@,)@*

(= cGo @*,(@@,%*% !$,)(),)$$

s= bz} vr{ !),!^$,#)) $,^*(,$&^

v= s/f/ sd{rf/L vr{ &,^#^,)@) #,!@!,!@!

u= ;+lrt ljbf afktsf] /sd !),*@(,)@* ^,!%*,!&^

3= cGo @(#,@#^ !@!,@&!

hDdf !&%,%(!,(!% !#$,#)&,)&$

cg';"rL @@

k|fOd sdl;{on a}+s lnld6]8;6xL 36a9 cfDbfgL÷gf]S;fg


s= ljlgdo b/df ePsf] km/saf6 -^,&#),#$&_ -@@,*&!,)((_

v= ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ *),*&*,@)! %(,)#%,^#%

hDdf cfDbfgL÷ -gf]S;fg_ &$,!$&,*%$ #^,!^$,%#%


cg';"rL @$k|fOd sdl;{on a}+s lnld6]8

cGo ;~rfng vr{->fj0f !, @)&! b]lv cfiff9 #!, @)&@ ;Dd_


!= 3/ef8f $!,@^$,@(^ #^,#&$,*##@= aQL ljh'nL / kfgL !#,%*%,!() !#,%)!,$(!#= dd{t tyf ;Def/ @,!*@,##) @,*$(,!!$

-s_ ejg %&*,(&% !,@&&,)&*-v_ ;jf/L ;fwg !,@#),)^# !,!@(,%(^-u_ cGo #&#,@(! $$@,$$)

$= aLdf @#,)%*,%(& @),)@),!$#%= kf]i6]h, 6]n]S;, 6]lnkmf]g, ˆofS; !&,$!*,%^! !*,@*@,!&^^= sfof{no pks/0f kmlg{r/ / ;Def/ ^,*@!,!*! ^,%)@,&@@&= e|d0f eQf / vr{ #,$&%,)!^ @,@)(,#*(*= d;nGb / 5kfO{ *,*%*,(@( *,#*$,$^%(= kqklqsf tyf k':ts @^*,!^% @$*,!!(

!)= lj1fkg @,&(*,(#( !,#(%,(#%!!= sfg"gL vr{ – –!@= rGbf !!,*&#,&&^ !^,)))!#= ;~rfns ;ldlt ;DaGwL vr{ #,)@!,)^! #,@@%,#$!

s= a}7s eQf @,^&^,))) @,*%),)))v= cGo vr{ #$%,)^! #&%,#$!

!$= ;fwf/0f ;ef ;DaGwL vr{ *!*,$@@ *(#,!*)!%= n]vfk/LIf0f ;DaGwL vr{ !,)!@,$&^ *)!,@))

s= n]vfk/LIf0f z'Ns &%),))) %#),)))v= cGo vr{ @^@,$&^ @&!,@))

!^= /sd :yfgfGt/0f sldzg – –!&= :yL/ ;DklQdf x|f; s§L @&,*(@,&$@ #!,%*!,#*$!*= k"j{ ;~rfng vr{ ckn]vg – –!(= z]o/ lgisfzg vr{ @,^!$,$^^ @,)%$,^!*@)= k|fljlws ;]jf ;f]wegf{ !,*)*,@^^ &(&,%(@@!= dgf]/~hg vr{ !,@@%,#$@ !,$*),!&@@@= ckn]vg vr{ – –@#= ;'/Iff vr{ @#,##^,!!) @@,(@!,!#(@$= shf{ ;'/If0f lk|ldod – –@%= sldzg / l8:sfp06 %,^&&,^&( ^,@#^,!%^@^= cGo $*,&^#,!$( %!,)$(,)$!

-s_ /lhi6«]zg z'Ns / gljs/0f $,)#),&)) #,#@!,**^-v_ nLhxf]N8 ;DklQ ckn]vg !@,&(&,*%& !@,&!^,^$*-u_ ;ˆ6j]o/ ckn]vg ^*),*$& %%),)#*-3_ ;/;kmfO{ vr{ @,!(^,)@( !,&(!,@(&-ª_ O{Gwg vr{ ^,(%*,&$^ *,*#^,%$%-r_ z'Ns tyf hl/jfgf – –-5_ ;jf/L;fwg vr{ *,^^$,*%! &,^&%,$&@-h_ k"FhLs[t gul/Psf] ;DklQ ^^),@%) %%&,**)-dm_ vfhf vr{ #,)$),))^ @,%&!,%&&-`_ jflif{s pT;j vr{ !%),@*& ^*%,$@!-6_ cGo ;ldlt a}7s eQf / vr{ #&$,@&& $&^,^(#-7_ P=6L=Pd= 6«fGh]S;g kmL ^,(*&,(*! #,%!^,#!!-8_ z'Ns tyf s/ &$$,!!( ^&(,*(^-9_ cGo !,$&&,@)) &,^^(,#&&

hDdf @$&,&&$,^($ @#),*@$,@)*


cg';"rL @&

k|fOd sdl;{on a}+s lnld6]8;Defljt gf]S;fgL Joj:yfaf6 lkmtf{

-cf=j= @)&!÷&@_ljj/0f o; jif{ ¿= ut jif{ ¿=

!= shf{ gf]S;fgL Joj:yfaf6 lkmtf{ @!%,^*!,%*# !!),&*!,^%&

@= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ – –

#= nufgL Joj:yfaf6 lkmtf{ – –

$= cGo ;DklQsf] Joj:yfaf6 lkmtf{ @),%@*,@^^

hDdf @!%,^*!,%*# !#!,#)(,(@#

cg';"rL @%

k|fOd sdl;{on a}+s lnld6]8;Defljt gf]S;fgL Joj:yf


!= shf{ gf]S;fgL Joj:yfdf ePsf] a[l4 ##*,%*&,(&! #)(,&%%,$%#

@= nufgL gf]S;fgL Joj:yfdf ePsf] a[l4 –

#= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf $(,!%(,)*$ –

$= cGo ;DklQdf ul/Psf] Joj:yf ^(@,^#% –

hDdf #**,$#(,^() #)(,&%%,$%#

cg';"rL @^

k|fOd sdl;{on a}+s lnld6]8u}/ ;~rfng cfDbfgL÷gf]S;fg


!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ – –

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ @)@,@(& $,^#^,^&@

#= u}x| a}+lsË ;DklQsf] ljlqmaf6 cfDbfgL÷-gf]S;fg_ !,#*%,$^% –

$= nfef+z –

%= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot – –

s= tf]lsPsf] zfvfx¿sf] gf]S;fg jfkt Ifltk"lt{ – –

v= Jofh Ifltk"lt{ – –

u= ;6xL sfp06/ – –

^= cGo – ;'g cfoft – –

v'b u}/ ;~rfng cfDbfgL÷-gf]S;fg_ !,%*&,&^@ $,^#^,^&@


cg';"rL @*k|fOd sdl;{on a}+s lnld6]8

c;fdfGo sf/f]jf/x¿af6 ePsf] cfDbfgL÷vr{->fj0f !, @)&! b]lv cfiff9 #!, @)&@ ;Dd_


!= ckn]vg ePsf] shf{sf] c;"nL – –

@= :j]lR5s cjsfz vr{ – –

#= c;"nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ -%%,&*^,#%!_ –

$= cGo vr{÷cfDbfgL – –

%= l:y/ ;Dklt ckn]vg –

^= cGo ;Dklt ckn]vg -($,%*%_

hDdf -%%,**),(#^_ –

cg';"rL @*-s_

k|fOd sdl;{on a}+s lnld6]8ckn]lvt shf{sf] ljj/0f

-@)&@ cfiff9 d;fGt_

qm=;+= shf{ k|sf/ ckn]vg lwtf]sf] lwtf] d"Nof+sgsf] shf{ :jLs[t shf{ c;"nLsf nflu s}lkmotul/Psf] /sd k|sf/ cfwf/ ug]{ clwsf/L÷tx eP u/]sf] k|of;

!= rfn' k"FhL 3/, hUuf

shf{ @*,#@&,!^& xfOkf]lys]zg C0f – k6s k6s df}lvs

@= dflh{gn tyf lnlvt ;'rgf

shf{ @%,$^$,*^) z]o/ – C0f ;ldlt÷ lbOPsf], #% lbg] ;'rgf –

#= 3/ hUUff ;+rfns ;ldlt tyf lnnfd a9fa9sf]

shf{ !,(($,#@$ 3/, hUuf – ;'rgf C0fL /

$= JolQmut hdfgtstf{nfO{

shf{ – – – lbOPsf]

%= cGo shf{ – – –

hDdf %%,&*^,#%! – – – –


cg';

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cg';"rL #) -s_k|fOd sdl;{on a}+s lnld6]8

k"“hLsf]if tflnsf-@)&@ cfiff9 d;fGt_

ljj/0f o; jif{ ¿= ut jif{ ¿=!=! hf]lvd efl/t ;DklQ

-s_ shf{ hf]lvd #$,!*),$^% @&,&%@,&*)-v_ ;~rfng hf]lvd !,(!(,)@^ !,^@(,$%!-u_ ahf/ hf]lvd @^),$*! #*$,&#*

Pillar II cGtu{tsf] ;dfof]hg #^,#%(,(&@ @(,&^^,(&) hf]8M ^=$ -s_ -!)_ cg';f/ kof{Kt ;"rgf k|jfx gu/] jfkt hf]lvd efl/t

;DklQsf] # k|ltzt hf]8M ;~rfng hf]lvd Joj:yfkgsf] nflu s'n cfDbfgLsf] $ k|ltzt (Capital Charge) %*!,^)) ^(%,*#( hf]8M ;du| hf]lvd Joj:yfkgsf] nflu # k|ltzt !,)(),&(( *(#,))(

s'n hf]lvd efl/t ;DklQ Pillar II cGtu{tsf] ;dfof]hg kl5 #*,)#@,#&! #!,#%%,*!*!=@ k"“hL sf]if÷k|fylds k"“hL (Tier I) $,@(#,!#! #,^!^,$%@

s= r"Qmf k"FhL #,!$),)%# @,^#*,&))v= Ol/l8d]jn gg\ So'd'n]l6e lk|km/]G; z]o/ – –u= z]o/ lk|ldod – –3= k|:tfljt af]g; z]o/ %^%,@)( %)!,#%#ª= ;fwf/0f hu]8f sf]if %*),#&( $#!,@^!r= ;l~rt gfkmf÷-gf]S;fg_ ut cf=j= ;Ddsf] !@,$#@ !@,!*%5= rfn' cf=j= sf] gfkmf÷-gf]S;fg_ – –h= k"FhL lkmtf{ hu]8f sf]if – –em= k"FhL ;dfof]hg sf]if – –`= nfef+z ;dLs/0f sf]if – –6= C0fkq e'QmfgL sf]if – –7= :yug s/ hu]8f – #@,(%#8= cGo :jtGq sf]ifx¿ #@,(%# –

36fpg] M– Voflt (Goodwill) jfktsf] /sd – –– :yug s/ ;Dklt #&,*(^ –– ckn]vg gul/Psf ljljw ;DklQ – –– Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL – –– ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL – –– ;LdfeGbf a9L nufgL – –– k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgL – –– kf/:kl/s qm; xf]lN8+u – –– cGo – –

Pillar II cGtu{tsf] ;dfof]hg – – 36fpg]M ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf – – 36fpg]M ^=$ -s_ -@_ cGtu{t ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ ;'ljwf – –

k"/s k"“hL (Tier II) ##!,*@^ @&@,!)$s= So'd'n]l6e / l/l8d]jn lk|km/]G; z]o/ – –v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f – –u= xfOla|8 k"FhL pks/0fx¿ – –3= c;n shf{ gf]S;fgL Joj:yf ##),)^# @&!,^)(ª= ;6xL ;lds/0f sf]if &^ &^r= nufgL ;dfof]hg hu]8f !,^*& $@)5= ;DklQ k"gd{"NofÍg sf]if – –h= cGo sf]if – –

k"“hLsf]if cg'kft -s+ v_ $,^@$,(%& #,***,%%&!=# hDdf k"“hLsf]if cg'kft -s + v_

k|fylds k"FhL÷s'n hf]lvd efl/t ;DklQ (Tier I) !!=@(Ü !!=%#Ük"FhL sf]if÷s'n hf]lvd efl/t ;DklQ (Tier I & Tier II) !@=!^Ü !@=$)Ü

/sd ¿= xhf/df


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hf]lvd efl/t ;DklQ – ;~rfng hf]lvd-@)&@ cfiff9 d;fGt_

ljj/0f @)&@ cfiff9 d;fGtsf] cl3Nnf aif{x¿ @)&! cfiff9

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

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@)= a's g]6jy{ ¿= !#*=(# !#&=)& !@^=!! !!%=!^ !!)=&$

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@@= s'n sd{rf/L ;+Vof #^@ #@# #!( #@! @&%

@#= cGo – – – – –


cg';"rL #@

k|d'v n]vf gLltx?

!= ;fdfGo hfgsf/L MsDkgL P]g, @)^# cGtu{t klAns lnld6]8 sDkgLsf] ?kdf >fj0f !, @)^$ df btf{ ePsf] o; k|fOd sdl;{on a}+s lnld6]8, g]kfn /fi6«a}+saf6 Ohfht k|fKt æsÆ ju{sf] ljQLo ;+:yf xf] . o; a}+ssf] /lhi68{ s]Gb|Lo sfof{no sf7df08f}sf] Go"/f]8df /x]sf] 5 . c;f]h &, @)^$ af6cfˆgf] a}+lsË Joj;fo ljlwjt ?kdf ;+rfngdf cfPsf] o; a}+ssf] cf=j=@)&!÷&@ df #) j6f zfvf sfof{no tyf @ j6f la:tfl/t sfp06/;+rfngdf /x]sf] 5 .

>fj0f !, @)&! b]lv cfiff9 #!, @)&@ ;Ddsf] ;Dk"0f{ sf/f]jf/nfO{ ;d]6]sf] o; ljQLo ljj/0fnfO{ dfu{ !(, @)&@ df a;]sf] ;+rfns;ldltsf] a}7saf6 k|sflzt ug{ :jLs[t k|bfg ul/Psf] 5 .

@= sDKnfOG; (Compliance) ljj/0f Mk|:t't ljQLo ljj/0fx? g]kfn /fi6« a}+ssf] lgb]{zgx?, n]vfsf ;j{dfGo l;4fGtx?, g]kfn n]vfdfg jf]8{jf6 hf/L n]vf ;DjGwL l;4fGtx?,a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)^# tyf sDkgL P]g, @)^# ;d]tsf] k|fjwfgnfO{ cfwf/dfgL tof/ kfl/Psf] 5 .

#= tof/Lsf] cfwf/x?Mo; ljQLo ljj/0fx? cGo n]vf gLltx?df pNn]v ul/Psf] afx]s jf:tljs cfwf/df / P]ltxfl;s nfutsf] dfGotfnfO{ cfwf/dfgL tof/kfl/Psf] 5 . ;j{dfGo n]vf l;4fGt tyf g]kfn n]vf dfkb08sf] n]vf+sg cg'dfg tyf lg0f{ofTds cEof; ug'{ kg]{ l;4fGt cg'?k ljQLoljj/0fx? tof/ kfl/Psf] 5 .

g]kfnL ?k}of+df tof/ kfl/Psf] o; ljQLo ljj/0fdf /sdx?nfO{ lgs6td ?k}of+df kl/0ft ul/Psf] 5 .

$= :yL/ ;DklQ / x|f; s§L Ms_ P]ltxfl;s nfutdf x|f;s§f ul/ :yL/ ;DklQnfO{ b]vfOPsf] 5 . P]ltxfl;s nfutdf ;DklQ cfh{g ubf{ ePsf] k|ToIf vr{ ;d]tnfO{

:yL/ ;DklQdf ;dfa]z ul/Psf] 5 .

v_ :yL/ ;DklQsf] pkef]u x'g] aif{sf] cfwf/df ;/n /]vf k4tL (Straight Line Method) af6 x|f; s§f ul/Psf] 5 . a}+ssf] :yL/;DklQdf lgDgfg';f/ x|f; s§L b/ sfod ul/Psf] 5 .

qm=;+= ljj/0f b/!= ejg @=%Ü

@ kmlg{r/ tyf lkmSr;{ @) Ü

# sfof{nosf] pks/0fx? @) Ü

$ uf8Lx? @) Ü

% sDKo'6/x? @) Ü

:yL/ ;DklQ vl/b ePsf] dlxgf jf :yL/ ;DklQsf] k|of]udf cfPsf] ldlt dWo] h'g cufl8 x'G5 To;}nfO{ cfwf/dfgL x|f; s§Lul/Psf] 5 . !% ut] jf ;f]eGbf cufl8 n]vf+sg ePsf jf k|of]udf cfPsf l:y/ ;DklQnfO{ k"/f dlxgfsf] nflu x|f; s§L ul/Psf] 5 eg]!% ut] kl5 n]vf+sg jf k|of]udf cfPsf l:y/ ;DklQnfO{ cfwf dlxgfsf] nflu dfq x|f; s§L k|bfg ul/Psf] 5 .

u_ ? kFfr xhf/ eGbf sd d"Nosf] ;DklQnfO{ vl/b u/]sf] jif{df g} vr{df n]vf+sg ul/Psf] 5 .

%_ ;km\6j]o/x? tyf nLh xf]N8 ;DklQx?sf] ckn]vg Ms_ sDKo"6/ ;km\6j]o/x? vl/b ubf{ ePsf vr{nfO{ k"FhLs/0f ul/Psf] 5 . tL nfut nfO{ % jif{ leq ckn]vg ul/g] 5 .v_ nLh xf]N8 ;DklQdf ePsf] vr{nfO{ k"FhLs/0f ul/Psf] / nLh xf]N8 cjlw e/df ckn]vg ul/g] 5 .u_ ;km\6j]o/ tyf nLh xf]N8 ;DklQ dfl;s ?kd} ckn]vg ub}{ nlug] 5 .


^_ s/ ;DjGwL Joj:yfM

cfos/ vr{df xfn ltg'{kg]{ s/ / :yug s/nfO{ ;dfj]z ul/Psf] 5 .

xfnsf] s/ Ma}+sn] cfos/ P]g, @)%* tyf ;f] cGtu{t ag]sf] lgodfjnL adf]lhd s/sf] Joj:yf ul/Psf] 5 . tyflk s/n]vf k/LIf0f kZrft s/ bfloTjkm/s kg{ ;Sg]5 .

:yug s/ MljQLo ljj/0fsf] ;DklQ tyf bfloTj / s/ u0fgf ug{sf] nflu lnPsf] cfwf/ aLrsf] c:yfoL km/s /sdnfO{ s/ of]Uo gfkmf klxrfg u/L ;f]dfjt{dfg s/sf] b/ k|of]u u/L :yug s/ sfod ul/Psf] 5 . :yug s/ ;DklQnfO{ eljiodf x'g] s/ of]Uo cfodf bflj ug{ ;lsg] kof{KtljZj;gLo cfwf/ geP ;Dd ;DklQsf] ?kdf klxrfg ul/b}g .

&= nufgL MnufgL kf]6{kmf]lnof]nfO{ b]xfo adf]lhd juL{s/0f ul/Psf] 5 .

-s_ Jofkfl/s nufgL (Held for Trading):cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] ul/Psf nufgL tyf nufgL kf]6{kmf]lnof]df /x]sf Ps} k|s[ltsf ;DklQdfePsf] nufgL o; ju{df kb{5g\ . o:tf nufgLnfO{ klxn] nfutdf / To;kl5 ahf/ d"Nodf d"Nofªsg ug]{ ul/Psf] 5 . d"Nodf x'g] leGgtf/ sf/f]af/af6 x'g] gfkmf÷gf]S;fgnfO{ gfkmf÷gf]S;fg lx;fa vftfdf b]vfpg] ul/Psf] 5 .

-v_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity):e'QmfgL ldlt;Dd wf/0f ug]{ ;sf/fTds dg;fo (Positive Intent) / e'QmfgL ldlt;Dd wf/0f ug{ ;Sg] Ifdtf (Ability to Hold tillMaturity) eO{ ul/Psf] nufgL o; ju{df kb{5 . e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) nfO{ ckn]lvt nfut(Amortised Cost) df d"Nofªsg ul/Psf] 5 . ckn]lvt nfut k/n d"No (Cost Price) af6 Iflt (Impairments) 36fP/ u0fgful/Psf] 5 . IfltnfO{ ;DalGwt cjlwsf] gfkmf÷gf]S;fg lx;fa vftfdf ;dfj]z ug]{ ul/Psf] 5 .

-u_ ljqmLsf] nflu pknAw nufgL (Available for Sale):Jofkfl/s nufgL (Held for Trading) / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) cGtu{t gkg]{ ;Dk"0f{ nufgL o; ju{dfkb{5 . o:tf nufgLnfO{ klxn] nfut d"Nodf / To;kl5 ahf/ d"Nodf d"Nofªsg ul/Psf] 5 . o:tf nufgLaf6 x'g] gfkmf÷gf]S;fg lx;fanufgL ;dfof]hg sf]ifdf b]vfpg] ul/Psf] 5 . ljqmLsf] nflu pknAw nufgL kf]6{kmf]lnof] (Available for Sale Portfolio) sf] @Ü;Ddsf] /sd k'/s k"FhL (Supplementary or Tier 2 Capital) df u0fgf x'g] nufgL ;dfof]hg sf]if (Investment AdjustmentReserve) v8f u/L /flvPsf] 5 .

* ljb]zL ljlgdo sf/f]jf/Ms_ jf;nftsf] ldlt ;Dd /x]sf] ljb]zL d'b|fsf] ;DklQ tyf bfloTjnfO{ ;f]xL ldltdf sfod /x]sf] vl/b b/n] lx;fj u/L g]kfnL d"Nodf

?kfGt/ ul/ n]vf+sg ul/Psf] 5 .

v_ ljb]zL d'b|fsf] vl/b laqmL d'No cGt/af6 k|fKt ePsf] cfDbfgLnfO{ ljb]zL ljlgdo ;6xL sf/f]jf/af6 ePsf] gfkmf gf]S;fg zLif{sdf n]vf+sgu/L cg';"lr @@ df v'nfOPsf] 5 .

u_ ljb]zL d'b|fsf] ljlgdo b/df ePsf] cGt/af6 ePsf] v'b gfkmf÷gf]S;fg b}lgs ?kd} d"Nof+sg u/L ;6xL k'g{d"Nof+sg gfkmf÷gf]S;fgzLif{sdf n]vf+sg ul/ cg';"rL @@ df v'nfO{Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zfg';f/ ;6xL 36a9 gfkmf gf]S;fgsf] @%Ü n] x'g] /sd cfly{sjif{sf] ;dfKtLdf ;6xL 36a9 sf]ifdf ;fl/Psf] 5 .

(_ u}/ a}+ls+Ë ;DklQMu}/ a}+ls+u ;DklQsf] n]vf+sg / k|:t'tL g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ul/Psf] 5 . ;fy} u}/ a}+ls+u ;DklQsf nfuL ztk|ltzt gf]S;fgLJoj:yf sfod ul/Psf] 5 .

!)_ Jofh u0fgfsf] cfwf/MlgIf]k tyf ;fk6Ldf Jofh vr{ tyf shf{ tyf ;fk6Ldf k|fKt x'g] Jofh cfDbfgL ! jif{df #^% lbgsf] cjwL dfgL u0fgf ul/Psf] 5 . t/ g]kfnaflx/ ul/Psf] ljb]zL d'b|fsf] nufgLdf jif{df #^) lbgsf] cjwL dfgL u0fgf ul/Psf] 5 .


!!_ Jofh cfDbfgLMs_ g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{ tyf ;fk6Ldf cflh{t Jofh cfDbfgLnfO{ gubk|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5 h'g g]kfn

n]vfdfg l;åfGt cg'?k 5}g .v_ a}+ssf] sd{rf/L ljlgodfjnL adf]lhd sd{rf/Lx?nfO{ k|bfg ul/Psf] shf{ ;fk6Lsf] Jofh cfDbfgLnfO{ jf:tljs cfwf/df n]vf+sg ul/Psf] 5 .u_ nufgLaf6 cflh{t JofhnfO{ jf:tljs cfwf/df n]vf+sg ul/Psf] 5 .

!@_ Jofh vr{lgIf]k tyf ;fk6Ldf ePsf] Jofh vr{nfO{ jf:tljs cfwf/df n]vfªsg ul/Psf] 5 .

!#_ kmL tyf sldzgMljN; vl/b, k|ltt–kq tyf hdfgt kq hf/Lubf{ k|fKt ePsf] cfDbfgLnfO{ gub k|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5 .

!$_ shf{ tyf ;fk6L / shf{ gf]S;fgL Joj:yfMJff;nftdf g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{ jlu{s/0f u/L pQm shf{df shf{ gf]S;fgL Joj:yf jfktsf] /sd Go"g u/L ljN; vl/b;lxtsf] shf{ ;fk6L /sdnfO{ b]vfOPsf] 5 .

g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{ tyf ;fk6LnfO{ ;lqmo shf{ -c;n shf{ tyf ;"Id lgu/fgL_ / lgis[o shf{ -k'g;+/rgf ul/Psf],sd;n, z+sf:kb / v/fj shf{_ df jlu{s/0f u/L tf]lsP adf]lhd oy]i6 shf{ gf]S;fgL Joj:yf ul/Psf] 5 .

!%_ shf{ ckn]vgMg]kfn /fi6« a}+såf/f :jLs[t a}+ssf] shf{ ckn]vg gLlt @)^$ cg'?k kf/bzL{ ?kdf lgis[o shf{x? ckn]vg ug]{ gLlt /x]sf] 5 . ckn]vg;DalGw dfkb08 k'/f ePsf] lgis[o shf{x?sf] c;'nL clwsf/ xgg\ gx'g] u/L ;~rfns ;ldltsf] lg0f{o kZrft ckn]vg ug]{ gLlt /x]sf] 5 .

!^_ sd{rf/L ;fk6LMsd{rf/L ;]jf zt{ ljlgodfjnL adf]lhd a}+ssf] sd{rf/Lx?nfO{ k|bfg ul/Psf] ;fk6LnfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd cGo ;DklQdfb]vfOPsf] 5 .

!&_ sd{rf/L ;'ljwfMs_ sd{rf/L ;+ro sf]ifM

a}+ssf] tkm{af6 ;+rosf]ifdf k|bfg ug]{ ;'ljwf k|bfg u/]sf] ldltdf g} vr{df b]vfOPsf]] 5 .v_ ljbf ;+lrtL M

sd{rf/LnfO{ ;+lrt ljbf afktsf] /sd jf:tljs vr{sf] (Accrual basis) cfwf/df n]vf+sg ug]{ a}+sn] gLlt lnPsf] 5 . sd{rf/L ;]jfzt{ ljlgodfjnL adf]lhdg} sd{rf/Lx?nfO{ o; k|sf/sf] ;'ljwf k|bfg ul/g] 5 .

u_ pkbfg sf]ifMo; a}+sn] pkbfgnfO{ jSof}tf cfwf/df n]vf+sg ug]{ gLlt lnPsf] 5 . sd{rf/L ;]jf zt{ ljlgodfjnLdf sd{rf/Lx?nfO{ o; k|sf/sf] ;'ljwfk|bfg ul/g] Joj:yf ul/Psf] 5 . a}+sdf # jif{;Dd nuftf/ sfd ul/;s]sf] :yflo sd{rf/LnfO{ dfq pkbfgsf] Joj:yf ul/Psf] 5 .

!*_ ;Defljt bfloTjx?Mg]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhd o; a}+sn] jiff{Gtdf sfod /x]sf ;Dk"0f{ k|ltt–kq, a}+s Uof/]06L / Forward Exchange ContractLiability sf] bfloTj o; zLif{s cGtu{t k|:t't ul/Psf] 5 .

pNn]lvt afx]s yfxf ePsf ;a} pNn]Vo bfloTjx? pk/ cfjZos Joj:yf ul/Psf] tyf eljiodf lglZrt ?kdf olsg x'g g;s]sf] t/ pNn]VobfloTjx?nfO{ ;Defljt bfloTj cGtu{t b]vfOPsf] 5 .

!(_ d;nGbMo; a}+sn] cfˆgf] k|of]hgsf] nflu vl/b ul/Psf] d;nGb vl/b d"Nodf b]vfOPsf] 5 / pkef]usf] cfwf/df vr{ n]lvPsf] 5 .

@)_ sd{rf/L af]g;Msd{rf/Lx?nfO{ k|bfg ul/g] af]g;, af]g; P]g @)#) cg'?k k|bfg ul/Psf] 5 .


cg';"rL ##n]vf ;DaGwL l6Kk0fLx¿

!= k|:tfljt nfef+za}+ssf] @)&@ dfu{ !( ut] a;]sf] ;~rfns ;ldltsf] a}7sn] g]kfn /fi6« a}+s / jflif{s ;fwf/0f ;efsf] :jLs[lt kZrft !*Üjf]g; z]o/ / )=(%Ü gub nfef+z -s/ k|of]hgsf] nflu_ ljt/0f ug]{ k|:tfj u/]sf] 5 .

@= Aofh cfDbfgLa}+ssf C0fLx?n] @)&@ cfiff9 d;fGtleq a'emfpg' kg]{ Jofh /sd dWo]af6 @)&@ >fj0f ! b]lv !% ut] leq a'emfOPsf] Aofh /sdnfO{ Jofh d"NtaL lx;fjaf6 ldnfg u/L cfly{s jif { @)&!÷&@ sf] Jofh cfDbfgLdf b]vfOPsf] 5 .o; cg';f/ @)&@ cfiff9 d;fGt leq a'emfpg' kg]{ Jofh /sd dWo] >fj0f !, @)&@ b]vL >fj0f !%, @)&@ ;Dd a'emfOPsf] /sd? &!,@!^,*)$=*$ n] Jofh d"NtaL lx;fa ldnfg u/L Jofh cfDbfgL hgfOPsf] 5 .

#= ;fwf/0f hu]8f sf]if Mrfn' cf=j=sf] v'b d'gfkmfsf] @) k|ltzt /sdn] x'g cfpg] ? !$(,!!&,*@$.– g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd ;fwf/0fhu]8f sf]ifdf ;fl/Psf] 5 .

$= ;6xL 36a9 hu]8f sf]if Mrfn' cf=j=@)&!÷&@ df a}b]lzs d'b|fdf ;6xL k'g/d"NofÍg 3f6f ePsf] x'gfn] ;6xL 36a9 hu]8f cGtu{t x'g cfpg] /sd gfkmfgf]S;fg jfF8kmfF8 lx;fjaf6 lalgof]hg u/L ;6xL 36a9 hu]8f sf]ifdf ;fl/Psf] 5}g . o; cfly{s jif{df ? ̂ ,&#),#$&.– a/fa/sf] ;6xL k'g{d"Nofª\sg 3f6f ePsf] 5 h'g cg';"rL @@ df v'nfO{Psf] 5 .

%= sd{rf/L af]g; Ms/ ltg'{ cufl8sf] v'b d'gfkmfsf] !) k|ltztn] x'g cfpg] /sd u0fgf u/L sd{rf/L af]g;sf] Joj:yf ul/Psf] 5 .

^= pkbfg Ma}+ssf] sd{rf/L ;]jf zt{ ljlgdofjnL Joj:yf adf]lhd, sd{rf/Lx?sf] vr{ kfs]sf] cfwf/ (accrual basis) df gfkmf gf]S;fglx;fadf vr{ n]vfªsg ul/Psf] 5 . a}+sdf lg/Gt/ # jif{;Dd nuftf/ sfo{/t :yfoL sd{rf/Lsf] nfuL pkbfg Joj:yf ul/Psf]5 . cfly{s jif{ @)&!÷&@ sf] ;dflKtdf, a}+ssf] s'n kfs]sf] pkbfg bfloTj ? !@,@(%,@$&.– /x]sf] 5 h'g cfly{s ljj/0fsf]cg';"rL–)& df pNn]v ul/Psf] 5 . a}+sn] bfloTj afktsf] /sd :jLs[t cjsfz sf]ifdf bflvnf ul/Psf] 5 / ;f]xL sf]ifdfcfly{s jif{sf] cGTodf /x]sf] df}HbftnfO{ cg';"rL !^ df pNn]v ul/Psf] 5 .

&= z]o/ k"FhL Mrfn' cfly{s jif{df a}+ssf] z]o/ k"FhL ut cf=a eGbf ? %)!,#%@,(^#.– n] a[l4 eO{ s'n ? #,!$),)%@,&^&.– /x]sf] 5 . ;ldIffcfly{s jif{sf] gfkmfaf6 k|:tfljt ul/Psf] af]g; z]o/ ?= %^%,@)(,$(* ;d]t u/L a}+ssf] z]o/ k"FhL ?= #,&)%,@^@,@^% x'g]5 .

*= ;km\6j]o/x¿sf] nfut tyf nLhxf]N8 ;DklQsf] ckn]vg M!= a}+ssf] n]vf gLlt adf]lhd ;km\6j]o/x?sf] nfut ?=^*),*$&.– ckn]vg u/L gfkmf gf]S;fg lx;fjdf vr{ hgfOPsf] 5 .aFfsL ?= @,^**,(@*.– ;km\6j]o/x?sf] ckn]vg ug{ afFsL lzif{ssf] cg';"rL !^ df k|:t't ul/Psf] 5 .@= a}+ssf] n]vf gLlt adf]lhd nLh xf]N8 ;DklQsf] ?= !@,&(&,*%&.– ckn]vg u/L gfkmf gf]S;fg lx;fadf hgfOPsf] 5 . afFsL?= %(,$#^,^)#.– dfq nLh xf]N8 ;DklQ ckn]vg ug{ afFsL zLif{ssf] cg';"rL !$ df b]vfOPsf] 5 .

(= :yL/ ;DklQ Mo; a}+sn] cf= a= @)&!÷&@ df sdnkf]v/L :yLt lgdf{0fflwg ejg tyf hldg ? @%#,*(^,@%).– df vl/b u/]sf] 5 .;DklQsf] n]v+fsg o; k|sf/ ul/Psf] 5 .

ljj/0f /sd -?_ hUuf @@#,*(^,@%) lgdf{0flwg ejg #),))),))) hDdf @%#,*(^,@%)

;f] ejg lgdf{0fflwg cj:yfdf /x]sf]n] ;ldIff jif{df x|f; s§L ul/Psf] 5}g .


!)= nufgLMcfly{s jif{sf] cGTodf a}+sn] cfˆgf] nufgL ?= ^#,#$^,(^).– n] a9fPsf] 5 / s'n nufgL /sd a/fa/sf] @ k|ltzt ;dfof]hgsf]if v8f u/LPsf] 5 . o; dWo] dlxnf ;xofqf dfOqmf] kmfOGffG; lnld6]8sf] IPO e};s]sf]n] nufgL ;dfof]hg sf]ifdf @Ü dfq5'§fOPsf] 5 .

!!= u}/ a}+lsË ;DklQ Mcfly{s jif{sf] cGTodf s'n ? %*,%^),^!@.– a/fa/sf] u}/ a}lsË ;DklQ /x]sf]df ?= %&,#(!,*^@.– a/fa/sf] gf]S;fgL Joa:yfsfod ul/Psf] 5 . a}+sn] C0fL g6/fh sfuf]{sf] ;sf/]sf] u}x| a}+lsË ;Dklt @)&@ c;f]h d;fGt leq lnnfd ljqmL eO{ C0f r'QmfePsf]n] gf]S;fgL Joa:yf ul/]sf] 5}g . o;sf] laj/0f cg';"rL !% df b]vfOPsf] 5 .

!@= a}+s÷ljQLo ;+:yfdf ePsf] df}HbftMa}+s÷ljQLo ;+:yfx?df ePsf] df}HbftnfO{ cg';"rLM !) sf] ljQLo ljj/0fdf pNn]v ul/Psf] 5 .

!#= cGt/ a}+s gf]S;fgL Aoj:yfMcfly{s jif{ @)&!÷&@ sf] ;dflKtdf a}+sn] lxdfnog kmfOgfG; lnld6]8;Fu s'n ?=$*,@@$,$*$.– cGt/ a}+s ;fkl6sf] ?kdfc;'nL ug{ afFsL /x]sf] 5 h'g cfly{s ljj/0fsf] cg';"rL–!! -dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx?_ df pNn]v ul/Psf] 5 /;Dk"0f{ /sdsf] gf]S;fgL Joj:yf sfod ul/Psf] 5 .

!$= C0f ckn]vgshf{ ckn]vg ljlgodfjnL–@)^$ cg'?k o; cf=j sf] cGTodf ;~rfns ;ldltsf] a}7saf6 :jLs[tL kZrft a}+sn] ?%%,&*^,#%! a/fa/sf] shf{ ckn]vg u/]sf] 5 . o;sf] laj/0f cg';"rL – @* -s_ df ;dfj]z ul/Psf] 5 .

!%= ;+:yfut ;fdflhs bfloTj (Corporate Social Responsibility)ut @)&@ a}zfv !@ df uPsf] ljgfzsf/L e"sDksf] k|sf]kdf k/]sf e"sDk kLl8tx?sf] nflu o; a}+s af6 k|wfgdGqL b}jL k|sf]kp4f/ sf]ifdf ? %,))),))) cg'bfg lbOPsf] 5 eg] k|ToIf?kdf e'sDk kL8Ltx?nfO{ ? %,#%@,&&^ sf] ljleGg sfo{qmdu/L /fxt k|bfg ul/Psf] 5 . ;fy} a}+sn] l;Gw'kfNrf]ssf] jf9Llkl8tnfO{ ? !,))),))) / tfKn]h'Ësf] cfunflu lkl8tnfO{?= %)),))) a/fa/sf] /sd k|wfgdGqL b}jL k|sf]k p4f/ sf]ifdf cg'bfg k|bfg u/]sf] 5 .

!^= :yug s/ Ms= :yug s/sf] ljj/0f

ljj/0f ljQLo ljj/0f adf]lhd -¿=_ s/ k|of]hgsf] nflu -¿=_ s/of]Uo c:yfoL km/s -¿=_l:y/ ;DklQ !@%,$#^,%!& !*$,!$^,^#( %*,&!),!@!

;+lrt ljbf Joj:yf – !(,#*$,&%! !(,#*$,&%!

nufgL gf]S;fgL Aoj:yf – $*,@@$,$*$ $*,@@$,$*$

hDdf !@%,$#^,%!& @%@,(@$,^@$ !@^,#!(,#%^

rfn' :yug s/ #&,*(%,*)&

ut jif{sf] :yug s/ #@,(%@,%((

;dfof]lht :yug s/ $,($#,@)** :yug s/ o; cf=j=sf] s/ b/ #) k|ltzt cg';f/ d"Nof+sg ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ut jif{:yugs/ sf]ifdf /x]sf] /sd o; cf=j=df cGo sf]ifdf b]vfOPsf] 5 .

!&= ;Defljt bfloTj -cfos/ jfkt ;Defljt bfloTj_Ma}+sn] eljiodf cfOkg{ ;Sg] bfloTjnfO{ ;Defljt bfloTjdf jlu{s/0f u/]sf] 5 . o; ;Gbe{df cfGtl/s /fhZj ljefuåf/fcf=j=@)^^÷^& / @)^&÷^* ;+u ;DalGwt s/ k'g/fjnf]sgsf nflu k]z ul/Psf] 5 .

s/ k'g/fjnf]sgsf nflu k]z ul/Psf] s/ /sdx?sf] ljj/0fljj/0f k'g/fjnf]sg ul/Psf] /sd

cfos/ Joj:yf !),%%^,&)!gk'u >f]tdf s/ s§L !#,^@(,)($hDdf @$,!*%,&(%


¿= bz nfvdf

!*= Ph]G;L vftf lx;fj ldnfgsf] cj:yf Mtn b]vfOPsf] km/s /sddWo] s]xL /sdx¿sf] lx;fa ldnfg e};s]sf] / afFsL /sdsf] lx;fa ldnfg x'g] cj:yfdf 5g\ .

lx;fj ldnfg hDdf /sd # dlxgf ;Dd # dlxgf b]lv ( dlxgf b]lv ! jif{ eGbf dfly

cj:yf ( dlxgf ;Dd ! jif{ ;Dd Ph]G;L vftfx¿ -¿=_ $&,)!^,(^! $#,%^%,!*@ !,#$!,($$ #*(,))) !,&@),*#&

!(= shf{ tyf ;fk6Lsf] ;f/f+z M ¿= bz nfvdf

ljj/0f @)&!÷&@

z'¿ df}Hbft @&,*#^=^&

shf{ k|jfx !#,(!*=&(

shf{ c;'nL *,@*#=*)

clGtd df}Hbft ##,$&!=^^

@)= lgIf]k bfloTjsf] ;f/f+z M ¿= bz nfvdf

ljj/0f @)&!÷&@ Jofh ltg'{ gkg]{ lgIf]kx¿ !,&!^=!(

Jofh ltg'{ kg]{ lgIf]kx¿ #(,@*(=%^

hDdf $!,))%=&%

@!= Jofhb/ cGt/sf] cf};t ef/ M

ljj/0f b/ k|ltztdf

shf{ tyf nufgLdf ef/Lt cf};t Jofhb/ *=!!

lgIf]k tyf ;fk6Ldf ef/Lt cf};t Jofhb/ $=^*

v'b cGt/ #=$#

@@= clws]lGb|t shf{ / lgIf]ksf] ljj/0f M

ljj/0f shf{ tyf ;fk6L u}/ sf]ifdf cfwfl/t lgIf]k

cfiff9 d;fGt @)&@ ;Ddsf] hDdf /sd ##,$&!=^^ &,!!^=*) $!,))%=&%

Psn u|fxsdf ePsf] pRrtd Psfu|tf (%%=$& $!@=&* $,&!&=^%

Psn u|fxsdf ePsf] pRrtd Psfu|tf k|ltzt @=*% %=*) !!=%)


@#= ;DklQ tyf bfloTjsf] jlu{s/0f M ¿= bz nfvdf

ljj/0f !–() lbg (!–!*) lbg !*!–@&) lbg @&!–#^% lbg ! jif{ dfly hDdf /sd

;DklQ!= gub df}Hbft !,%*&=*% – – – – !%*&=*%

@= a}s tyf ljQLo ;+:yfdf

/x]sf] df}Hbft %,)#%=)* – – – – %)#%=)*

#= ljb]zL a}+sdf ul/Psf] nufgL #)%=)@ @)#=@) @)#=@) – – &!!=$@$= sn dlg $*=@@ – – – – $*=@@

%= ;/sf/L ;'/If0fkq #,@!^=($ !,!!#=@# – – %*$=!% $,(!$=#@

^= g]=/f=a+}= C0fkq – – – – – –

&= cGt/ a}+s shf{ #)=$* – – – – #)=$*

*= shf{ tyf ;fk6L÷ljN; vl/b *,#^&=(@ %,)@)=&% *,#^&=(@ ^,^($=## %,)@)=&% ##,$&!=^^

(= kfpg' kg]{ Jofh @$(=(* – – – – @$(=(*

!)= l/e;{ l/kf] – – – – – –

!!= k|lta4tf cGtu{t cGo

;+:yfx?af6 k|fKt x'g] – – – – – –

!@= qm= ;= @), @! / @@ sf

;'ljwfx¿sf] e'QmfgL – – – – – –

!#= cGo @$$=&& – – – – @$$=&&

hDdf -s_ !(,)*^=@^ ^,##&=!* *,%&!=!@ ^,^($=## %,^)$=() $^,@(#=&(

bfloTj!$=rNtL lgIf]k !,@&#=() – – – – !,@&#=()

!% art lgIf]k -sn lgIfk ;d]t_ !,%$#=&( &*#=)! *@!=)! !,^$@=)! !^,*#@=$* @!,^@@=#)

!^ d'2tL lgIf]k !$,)$*=#& (^&=#* ^!!=&& %%^=^# ^^@=!) !^,*$^=@%

!&= C0f kqx¿ – – – – – –

!*=;fk6L – – – – – –

!(= cGo bfloTj / Joj:yfx¿ !,@*&=&% – – – – !,@*&=&%

@)= k|lta4tf cGtu{t cGo

;+:yfx¿nfO{ lbg'kg]{ – – – – – –

@!= pkef]u e}g;s]sf :jLs[t

;'lawfx¿ $($=!( $!!=*# ^!&=&$ %#%=#& %%(=## @,^!*=$^

@@= k|lttkq÷hdfgt @,^($=^# !!%&=%% $%@=$# (@$=%) !,#%^=&) ^,%*%=*!

@#= l/kf] – – – – – –

@$= qm= ;+ !! cGtu{tsf]

;'ljwfsf] e'QmfgL – – – – – –

@%= cGo – – – – – –

hDdf -v_ @!,#$@=^@ #,#!(=&& @,%)@=(% #,^%*=%@ !(,$!)=^! %),@#$=$&

v'b ljQLo ;DklQ -s–v_ –@,@%^=#^ #,)!&=$! ^,)^*=!& #,)#%=*@ –!#,*)%=&! –#,($)=^*

hDdf –@,@%^=#^ –%(=(^ ^,))*=@! (,)$$=)# –$,&^!=^* )=))


@$= ;DjlGwt JolQmsf] ljj/0f / hfgsf/L M

k|d'v Joj:yfklso kbflwsf/Lx¿df ;~rfnsx¿, k|d'v sfo{sf/L clws[t, dxfk|jGws tyf gfoj dxfk|jGwsx?nfO{ ;dfj]; ul/Psf] 5 .k|d'v Joj:yfklso kbflwsf/Lx¿df /x]sf JolQmx¿sf] gfd o; k|sf/ 5g\ –

>L pd]z >]i7 – cWoIf

>L /fh]Gb| bf; >]i7 – ;~rfns

>L g/]Gb| ah|frfo{ – ;~rfns

>L Zofd axfb'/ >]i7 – ;~rfns

>L pQd gf/fo0f >]i7 – ;~rfns

>L pbo df]xg >]i7 – ;~rfns

>L lbg]z >]i7 – ;~rfns

>L af;'b]j l/hfn – ;~rfns

>L gf/fo0f bf; dfgGw/ – k|d'v sfo{sf/L clws[t

>L ;+hLj dfgGw/ – dxfk|aGws

>L df]tLsfhL t'nfw/ – gfoa dxfk|aGws

>L efO/fhf t'nfw/ – gfoa dxfk|aGws

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Schedule 35

PRIME COMMERCIAL BANK LIMITEDComparison of Unaudited and Audited Financial Statement as of FY 2071/72

S.N. ParticualrsAs per Unaudited As per Audited Variance

Reasons of VarianceFinancial FinancialIn Amount In %

Statement Statement

1. Total Capital and Liabiltties (1.1 to 1.7) 46,287,531 45,800,892 (486,638) -1.27%1 1 Paid up Capital 3,140,053 3,705,262 565,209 15.97%1.2 Reserves and Surplus 1,278,153 627,527 (650,626) -127.21%1.3 Debentures and Bonds -1.4 Borrowings - - - -1.5 Deposits (a+b) 41,014,583 41,005,755 (8,828) -0.05%

a. Domestic Currency 40,873,191 40,864,362 (8,828) -0.05%b. Foreign Currency 141,392 141,392 0 0.00%

1.6 Income Tax Liability 343,396 - (343,396) 0.00%

1.7 Other Liabilities 511,346 462,349 (48,997) -24.18%2 Total Assets (2.1 to 2.7) 46,287,531 45,800,892 (486,638) -1.27%

2.1 Cash and Bank Balance 6,622,923 6,622,873 (50) 0.00%2.2 Money at Call and Short Notice 48,224 48,224 0.00 0.00%2.3 Investments 5,743,072 5,743,072 0.00 0.00%2.4 Loans and Advances (a+b+c+d+e+f) (Net) 32,701,294 32,616,507 (84,787) -0.47%a. Real Estate loan 4,233,204 4,208,285 (24,919)

1. Residential Home Loan (other than PersonalResidential Home Loan upto Rs. 10 Million) 418,186 388,491 (29,695) -

2. Business Complex and Residential ApartmentConstruction Loan 822,225 822,225

3. Income Generating Commercial Complex Loan 383,340 383,340 -4 Other Real Estate loan (including Land

Purchase and Plotting) 2,609,453 2,614,229 4,776b. Personal Residential Home Loan upto Rs. 10 Million 1,825,627 1,826,700 1,074 -c. Margin Type Loan 1,894,676 1,870,916 (23,760) -d. Term Loan 4,498,444 4,448,272 (50,172) -e. Overdraft Loan/ TR Loan/ WC Loan 10,524,452 10,534,268 9,816f . Others 9,724,891 9,728,065 3,1742.5 Fixed Assets 379,686 376,644 (3,042) 0.09%2.6 Non Banking Assets - 8,233 8,233 -2.7 Other Assets 792,331 385,340 (406,991) -72.25%

3. Profit and Loss Account3.1 Interest Income 3,251,873 3,242,635 (9,238) 0.00%3.2 Interest Expenses 1,854,852 1,854,852 0 0.00%A. Net Interest Income (3.1-3.2) 1,397,021 1,387,783 (9,238) 0.01%3.3 Fees, Commission and Discount 147,395 103,924 (43,471) -0.85%3.4 Other Operating Income 214,377 256,920 42,544 -1.327%3.5 Foreign Exchange Gain/ (Loss) (Net) 74,164 74,148 (16) -B. Total Operating Income (A+3.3+3.4+3.5) 1,832,956 1,822,775 (10,181) -0.26%3.6 Staff Expenses 171,702 175,592 3,890 0.02%

3.7 Other Operating Expenses 250,837 247,775 (3,063) 0.08%C. Operating Profit Before Provision (B-3.6-3.7) 1,410,417 1,399,408 (11,009) -0.343.8 Provision for Possible Losses 311,193 388,440 77,247 40.38%D. Operating Profit/ (Loss) (C-3.8) 1,099,224 1,010,969 (88,256) -17.53%3.9 Non Operating Income/(Expenses) (Net) - 1,588 1,588 100.00%3.10 Loan Loss Provision Written Back 215,682 215,682 0 -E. Profit/(Loss) from Regular Activities (D+3.9+3.10) 1,314,906 1,228,238 (86,668) -14.26%3.11 Extraordinary Income/(Expenses) (55,786) (55,881) (95) -

F. Profit/(Loss) before Bonus and Taxes (E+3.11) 1,259,120 1,172,357 (86,763) -14.26%3.12 Provision for Staff Bonus 114,465 106,578 (7,888) -14.26%3.13 Provision for Tax 343,396 320,190 (23,206) -14.26%

G. Net Profit/ (Loss) (F-3.12-3.13) 801,258 745,589 (55,669) -14.26% Due to above adjustments

(Rs. '000)

Addition of proposed bonus share

Change in profit appropriationof reserve to bonus share

Due to reclassification ofdeposits in other liabilitiesrelated to dividend payableof past year

Netted off with advance income tax inother assetsProvision against placementSetting off with advanceincome tax in other assets

Due to IBT adjustment in oursystem

Due to change in loan loss provision1. As disclosed in notes toaccounts, some of the non-performing loan had beensettled after the unauditedresult publication due towhich provision relating tosuch loan has been writtenback

Due to reduction indepreciation charges

Setting off of similar assets &liabilities with each other

Interest Income earned after15th of Shrawan is not shownin Audited Financial report

Due to regrouping to other heads

Due to regrouping to other headsDue to regrouping to other heads

Additional provision in staff gratuity& encashable leave of staffsOverbooked provision reversed

Change in LLP as explainedin 2.4 and additional LLP done

Regrouping of gain on salefrom operating incomeDue to regrouping fromprovision from possible losses

Due to change in profitDue to change in profit


Schedule 36

PRIME COMMERCIAL BANK LIMITED'A' class licensed financial institution from Nepal Rastra Bank

Unaudited Financial ResultsAs on 4th Quarter End (31.03.2072) of the Fiscal Year 2071/72

This Quarter Previous Quarter CorrespondingS. Particulars Ending Ending Previous YearNo. 31.03.2072 on 31.12.2071 Quarter Ending on

32.03.2071(Audited)

1 Total Capital and Liabilities ( 1. 1 to 1.7) 46,287,530.56 43,212,311.21 38,030,964.16

1.1 Paid up Capital 3,140,052,77 3,140,052.76 3,140,052.77

1.2 Reserves and Surplus 1,278,153.00 1,030,336.94 476,895.00

1.3 Debentures and Bonds -

1.4 Borrowings - - -

1.5 Deposits (a+b) 41,014,582.91 38,159,616.05 34,045,262.66

a. Domestic Currency 40,873,190.81 38,068,807.45 33,964,047.73

b. Foreign Currency 141,392.10 90,808.60 81,214.93

1.6 Income Tax Liability 343,396.28 237,189.40 -

1 .7 Other Liabilities 511,345.60 645,116.06 368,753.73

2 Total Assets (2.1 to 2.7) 46,287,530.56 43,212,311.21 38,030,964.16

2.1 Cash and Bank Balance 6,622,923.37 6,950,038.51 7,268,359.20

2.2 Money at Call and Short Notice 48,224.48 48,224.48 48,224.48

2.3 Investments 5,743,071.58 3,923,017.97 2,959,513.10

2.4 Loans and Advances (a+b+c+d+e+f) (Net) 32,701,293.87 31,137,627.49 27,104,417.44

a. Real Estate Loan 4,233,204.13 3,863,409.56 3,845,058.83

1. Residential Home Loan (other than Personal

Residential Home Loan upto Rs. 10 Million) 418,186.43 401,236.99 406,221.77

2. Business Complex and Residential Apartment

Construction Loan 822,224.71 886,363.02 1,025,530.95

3. Income Generating Commercial Complex Loan 383,340.14 386,738.79 455,100.45

4. Other Real Estate Loan (including Land

Purchase and Plotting) 2,609,452.85 2,189,070.76 1,958,205.66

b. Personal Residential Home Loan upto Rs.10 Million 1,825,626.89 1,769,809.06 1,381,427.09

c. Margin Type Loan 1,894,676.34 1,848,306.19 1,373,228.43

d. Term Loan 4,498,443.75 4,312,314.02 3,013,132.31

e. Overdraft Loan/ TR Loan/ WC Loan 10,524,452.04 10,227,083.51 9,416,389.61

f. Others 9,724,890.72 9,116,705.15 8,075,181.18

2.5 Fixed Assets 379,686.27 385,852.73 157,537.76

2.6 Non Banking Assets - - -

2.7 Other Assets 792,330.98 767,550.03 492,912.18

(Rs. '000)


Up to This Up to Previous Upto Corresponding3 Profit and Loss Account Quarter Quarter Previous Year

Quarter

3.1 Interest Income 3,251,873.38 2,261,275.83 2,871,169.03

3.2 Interest Expense 1,854,852.16 1,311,176.41 1,811,203.22

A. Net Interest Income (3.1 - 3.2) 1,397,021.22 950,099.42 1,059,965.813.3 Fees, Commission and Discount 147,394.64 83,726.65 71,049.55

3.4 Other Operating Income 214,376.84 148,086.72 241,470.40

3.5 Foreign Exchange Gain/Loss (Net) 74,163.70 49,448.61 36,164.53

B. Total Operating Income (A+3.3+3.4+3.5) 1,832,956.40 1,231,361.40 1,408,650.293.6 Staff Expenses 171,702.20 122,928.48 134,307.07

3.7 Other Operating Expenses 250,837.22 164,136.65 230,824.21

C. Operating Profit Before Provision (B -3.6 - 3.7) 1,410,416.98 944,296.27 1,043,519.013.8 Provision for Possible Losses 311,192.50 243,430.84 309,755.45

D. Operating Profit (C -3.8) 1,099,224.48 700,865.43 733,763.563.9 Non Operating Income/Expenses (Net) - - 4,636.67

3.10 Write Back of Provision for Possible Loss 215,681.58 168,829.04 131,309.92

E. Profit from Regular Activities (D+3.9+3.10) 1,314,906.06 869,694.47 869,710.153.11 Extraordinary Income/Expenses (Net) (55,786.35) -

F. Profit before Bonus and Taxes (E +3.11) 1,259,119.71 869,694.47 869,710.153.12 Provision for Staff Bonus 114,465.43 79,063.13 79,064.15

3.13 Provision for Tax 343,396.28 237,189.40 237,198.48

G. Net Profit/Loss (F - 3.12 - 3.13) 801,258.00 553,441.94 553,447.11

At the End At the End of At the End of4 Ratios of This Quater Previous Quarter Corresponding

Year Quarter

4.1 Capital Adequacy Ratio 12.35% 12.31% 12.40%

4.2 Non Performing Loan (NPL) to Total Loan 1.75% 2.85% 2.43%

4.3 Total Loan Loss Provision to Total NPL 131.68% 87.65% 108.45%

4.4 Cost of Funds 4.68% 4.62% 5.89%

4.5 Credit to Deposit Ratio (As per NRB Directive) 73.95% 75.63% 74.07%

4.6 Base Rate 7.62% 7.61% 8.91%

Additional InformationA Average Yield 8.11% 7.79% 8.83%

B Net Interest Spread 3.43% 3.17% 2.94%C Return on Equity 19.94% 18.70% 15.30%D Return on Assets 1.79% 1.81% 1.46%

E Real Estate Loan to Total Loan 13.36% 12.67% 14.63%


PRIME COMMERCIAL BANK LIMITEDDisclosures under BASEL II as at 31.03.2072

1 . Capital and a breakdown of its components:

> Tier 1 Capital and breakdown of its components:

Core Capital (Tier I) Amounta. Paid up Equity Share Capital 3,140,052,767b. Statutory General Reserves 580,379,195c. Proposed Bonus Equity Shares 565.209,498d. Share Premium -e. Retained Earnings 12,432,285f. Un-audited current year cumulative profit -g. Other Free Reserved 32,952,599h. Less Deferred Tax Assets 37,895,807Total Core Capital (Tier I) 4,293,130,536

> Tier 2 Capital and a breakdown of its components:

Supplementary Capital (Tier II) AmountGeneral Loan Loss Provision 330,063,393Exchange Equalization Reserve 75,734Investment Adjustment Reserve 1,686,939

Total Supplementary Capital (Tier II) 331,826,067

> Detailed information about the Subordinated Term Debtswith information on the outstanding amount, maturity,amount eligible to be reckoned as capital funds: Nil

> Deductions from Capital: Nil

> Total Qualifying Capital AmountCore Capital (Tier 1) 4,293,130,536Core Capital (Tier 2) 331,826,067Total qualifying capital 4,624,956,603

> Capital Adequacy Ratio PercentageTier 1 Capital to Total Risk Weighted Exposure 11.29%Tier 1 & Tier 2 Capital to Total Risk Weighted Exposure 12.16%


2. Risk Exposures

> Risk weighted exposures for Credit Risk, Market Risk and Operational Risk

Risk Weighted Exposure Amounta. Risk weighted exposure for Credit Risk 34,180,465,178b. Risk weighted exposure for Operational Risk 1,919,025,928c. Risk weighted exposure for Market Risk 260,480,772

Total Risk Weighted (Before adjustments of Pillar II) 36,359,971,878Adjustment under Pillar IIALM Policies & Policies are not satisfactory, add 1% of net interest incometo RWEAdd: .....% of the total deposit due to insufficient Liquid AssetsAdd: RWE Equivalent to reciprocal of capital charge of 4% gross income 581,600,000Overall risk management policies and procedures are not satisfactory. Add3% of RWE 1,090,799,156If desired level of disclosure requirement has not been achieved,Add.....% of RWETotal Risk Weighted Exposures (after Adjustments of Pillar II) 38,032,371,034

> Risk weighted exposure under each of 11 categories of credit risks

Credit Risk Claim RWE

1 Claims on Govt. and Central Bank 10,937,019,457 -2 Claims on other Financial Entities - -3 Claims on Banks 2,853,648,236 715,274,8994 Claims on Corporate and Securities Firm 16,380,624,831 16,086,592,1525 Claims on Regulatory Retail Portfolio 4,010,848,031 1,870,385,4466 Claims Secured by Residential Properties 2,584,972,378 1,572,292,8427 Claims Secured by Commercial Real Estate 2,139,312,316 2,139,312,3168 Past due Claims 1,033,753,999 808,668,3549 High Risk Claims 5,899,350,289 5,430,536,900

10 Other Assets 1,276,907,428 632,583,98611 Off Balance Sheet Items 11,077,054,741 4,924,818,305

Total 58,193,491,706 34,180,465,178


Total Risk Weighted Exposure Calculation Table:Risk Weighted Exposure for Credit Risk

Current YearBook Value Specific Eligible CRM Net Value Risk Risk Weighted

A. Balance Sheet Exposures (a) Provision (c) (d=a-b-C) weight Exposures(b) (%) (f=d*e)

Cash Balance 1,587,847,958 - - 1,587,847,958 0 -Balance with Nepal Rastra Bank 4,276,554,804 - - 4,276,554,804 0 -Gold 40,492,992 40,492,992 - - 0 -Investment in Nepalese Government Securities 4,914,321,203 - - 4,914,321,203 0 -All claims on Government of Nepal 117,802,500 - - 117,802,500 0 -Investment in Nepal Rastra Bank securities - - - - 0 -All claims on Nepal Rastra Bank - - - - 0 -Claims on Foreign Government andCentral Bank(ECA rating 0-1) - - - - 0 -Claims on Foreign Government andCentral Bank(ECA rating 2) - - - - 20 -Claims on Foreign Government andCentral Bank(ECA rating 3) - - - - 50 -Claims on Foreign Government andCentral Bank(ECA rating 4-6) - - - - 100 -Claims on Foreign Government andCentral Bank(ECA rating 7) - - - - 150 -Claims on BIS,IMF,ECB,EC and onMultilateral Development Banksrecognized by framework - - - - 0 -Claims on Other MultilateralDevelopment Banks - - - - 100 -Claims on Public Sector Entity (EC0_1) - - - - 20 -Claims on Public Sector Entity (ECA-2) - - - - 50 -Claims on Public Sector Entity (ECA-3-6) - - - - 100 -Claims on Public Sector Entity (ECA -7) - - - - 150 -Claims on Domestic banks that meetcapital adequacy requirements 1,485,449,730 - - 1,485,449,730 20 297,089,946Claims on Domestic banks that donot meet capital adequacy requirements 48,224,484 48,224,484 - - 100 -Claims on Foreign Bank (ECA 0-1) 777,657,250 - - 777,657,250 20 15,531,450Claims on Foreign Bank (ECA 2) 513,967,161 - - 513,967,161 50 256,983,581Claims on Foreign Bank (ECA 3-6) - - - - 100 -Claims on Foreign Bank (ECA 7) - - - - 150 -Claims on foreign bank incorporated inSAARC region operating with a buffer of1% above their respective capital requirement 28,349,610 - - 28,349,610 20 5,669,922Claims on Domestic Corporates 16,380,624,831 - 294,032,679 16,086,592,152 100 16,086,592,152Claims on Foreign Corporates (ECA01) - - - - 20 -Claims on Foreign Corporates (ECA2) - - - - 50 -Claims on Foreign Corporates (ECA3-6) - - - - 100 -Claims on Foreign Corporates (ECA7) - - - - 150 -Regulatory Retail Portfolio (Not Overdue) 4,010,848,031 1,517,000,770 2,493,847,261 75 1,870,385,446Claims fulfilling all criterion of Regulatory RetailPortfolio except for Granularity - - - - 100 -Claims secured by residential properties 2,456,711,585 - - 2,456,711,585 60 1,474,026,951Claims not fully secured by residential properties - - - - 150 -Claims secured by residential properties (Overdue) 128,260,792 29,994,901 - 98,265,891 100 98,265,891Claims secured by Commercial real estate 2,139,312,316 - - 2,139,312,316 100 2,139,312,316Past due claims (except for claim securedby residential properties) 1,033,753,999 494,641,764 - 539,112,236 150 808,668,354High Risk claims 5,899,350,289 457,745 2,278,534,611 3,620,357,933 150 5,430,536,900Investments in equity & other capitalinstruments of institutions listed in thestock exchange 70,346,960 70,346,960 100 70,346,960Investments in equity & other capitalinstruments of institutions not listed in thestock exchange 16,500,000 - - 16,500,000 150 24,750,000Staff loan secured by residential property 18,917,341 - - 18,917,341 60 11,350,405Interest Receivable/claim on government securities 6,423,644 - - 6,423,644 0 -Cash in transit and other items in the process of collection 85,393,960 85,393,960 20 17,078,792OtherAssets 1,079,325,522 570,267,715 - 509,057,807 100 509,057,807TOTAL 47,116,436,965 1,184,079,601 4,089,568,060 41,842,789,304 29,255,646,872


Current Year

B. Off Balance Sheet Book Value Specific Eligible CRM Net Value Risk Risk WeightedExposures (a) Provision (c) (d=a-b-C) weight Exposures

(b) (e) (f=d*e)

Revocable Commitments - - - - 0 -Bills under Collection - - - - 0 -Forward exchange contract liabilities 1,270,000,000 - - 1,270,000,000 10 1,270,000,000LC Commitments with OriginalMaturity upto 6 months 901,763,296 71,818,413 829,944,883 20 165,98,97Domestic Counterparty - - - - 20Foreign Counterparty (ECA Rating 0-1) - - - - 20 -Foreign Counterparty (ECA Rating 2) - - - - 50 -Foreign Counterparty (ECA Rating 3-6) - - - - 100 -Foreign Counterparty (ECA Rating 7) - - - - 150 -LC Commitments with OriginalMaturity Over 6 monthsDomestic Counterparty 389,840,634 - 7,229,416 382,611,218 50 191,305,609Foreign Counterparty (ECA Rating 0-1) - - - - 20 -Foreign Counterparty (ECA Rating - - - - 50 -Foreign Counterparty (ECA Rating 3-6) - - - - 100 -Foreign Counterparty (ECA Rating 7) - - - - 150 -Bid Bond, Performance Bond andCounter GuaranteeDomestic Counterparty 3,684,105,655 - 282,660,891 3,401,444,764 50 1,700,722,382Foreign Counterparty (ECA Rating 0-1) - - - - 20 -Foreign Counterparty (ECA Rating 2) - - - - 50 -Foreign Counterparty (ECA Rating 3-6) - - - - 100 -Foreign Counterparty (ECA Rating 7) - - - - 150 -Underwriting commitments - - - - 50 -Lending of Bank’s securities orposting of securities as collateral - - - - 100 -Repurchase agreements, Assets sale with recourse - - - - 100 -Advance Payment Guarantee 2,141,089,243 - 212,188,959 1,928,900,284 100 1,928,900,284Financial Guarantee - - - - 100 -Acceptances and Endorsement - - - - 100 -Unpaid portion of partly paid shares and securities - - - 100 -Irrevocable Credit commitments (Short term) 2,059,125,161 - - 2,059,125,161 20 411,825,032Irrevocable Credit commitments (Long term) 559,333,124 - - 559,333,124 50 279,66,562Claims on foreign bank incorporated in SAARC region operatingwith a buffer of 1% above their respective capital requirement 20Other Contingent Liabilities 24,185,797 - - 24,185,797 100 24,185,797Unpaid Guarantee Claims 47,611,831 - - 47,611,831 200 95,223,62Total 11,077,054,471 - 573,897,679 10,503,157,063 4,924,818,305Total RWE for credit risk 58,193,491,706 1,184,079,601 4,663,465,739 52,345,946,367 34,180,465,178Adjustment under Pillar llAdd: 10% of the Loan and facilities inexcess of Single Obligor Limits (6.4 a 3) - - - - -Add: 1% of the contract (sale) valuein case of the sale of credit withrecourse (6.4 a 4) - - - - -Total RWE for credit risk ( AfterBank’s Adjustment of Pillar II) 58,193,491,706 1,184,079,601 4,663,465,739 52,345,946,36 _ 34,180,465,178


Risk Weighted Exposure for Operational RiskAs on Ashadh end of Previous Years

Ashadh End Ashadh End Ashadh End2068 2069 2070

Net Interest Income 716,430,032 1,041,947,200 1,059,965,806

Commission and Discount Income 54,490,267 80,114,640 71,049,554

Other Operating Income 121,275,446 140,434,030 241,470,396

Exchange Fluctuation Income 15,116,120 (5,784,150) 36,164,535

Additional Interest Suspense during the period 84,266,658 135,821,772 45,289,550

Gross Income (a) 991,578,523 1,392,533,492 1,453,939,841

Alfa (b) 15% 15% 15%

Fixed Percentage of Gross Income [c=(aXb)] 148,736,778 208,880,024 218,090,976

Capital Requirement for operational risk (d) (average of c) 191,902,593

Risk Weight (reciprocal of capital requirement of 10%) in times (e) 10

Equivalent Risk Weight Exposure[f=(d*e)] 1,919,025,928

PILLAR lI ADJUSTMENTIf Gross Income for all the last three years is negative [6.4(a)(8)]Total Credit and Investment (net of Specific Provisions)

Capital Requirement for operational risk (5%)

Risk Weight (reciprocal of capital requirement of 10%) in times

Equivalent Risk Weight Exposure [g]

Equivalent Risk Weight Exposure (h=f+g) 1,919,025,928

Risk Weighted Exposure for Market Risk

Currency Open Position Exchange Open Position Relevant Open(FCY) Rate (NPR) Position

INR 181,238,478 1.60 289,981,565 289,981,565 USD 645,863 101.30 65,425,953 65,425,953GBP 329,947 157.74 52,047,220 52,047,220EURO (473,329) 110.29 (52,201,260) 52,201,260THB (2,068) 2.95 (6,108) 6,108CHF 3,136 105.74 331,578 331,578AUD (12,377) 74.11 (917,268) 917,268CAD (1,814) 78.07 (141,575) 141,575SGD (1,309) 73.89 (96,709) 96,709JPY 70,074,933 0.82 57,269,792 57,269,792HKD 1,710 13.06 22,333 22,333DKK (1,999) 14.78 (29,560) 29,560SEK - 11.85 - -SAR (58,164) 26.80 (1,558,600) 1,558,600QAR (9,352) 27.59 (258,067) 258,067

AED (11,696) 27.35 (319,993) (319,993MYR (4,142) 26.41 (109,371) 109,371

KRW (1,600,295) 0.09 (140,653) 140,653CNY (6,386) 16.27 (103,939) 103,939

Total Open Position (a) 409,195,339 520,961,544Fixed Percentage (b) 5%Capital Charge for Market Risk [c=(a*b)] 26,048,077Risk Weight (reciprocal of capitalrequirement of 10%) in times (d) 10Equivalent Risk Weight Exposure [e=(c*d)] 260,480,772


> Amount Of NPAsClassification of Loan Gross NPA Net NPARestructured/ Rescheduled Loan Nil NilSub- Standard Loan 1,500,000 1,125,000Doubtful Loan 172,916,090 86,458,045Loss Loan 437,803,620 -

> NPA RatiosGross NPA to Gross Advance 1.83%Net NPA to Net Advances 0.27%

> Movement of Non Performing AssetsParticulars Opening Balance Closing Balance Difference

Sub-Standard Loan 55,531,880 1,500,000 (54,031,880)

Doubtful Loan 346,74,827 172,916,090 (173,158,737)

Loss Loan 273,596,374 437,803,620 164,207,246

> Write off of Loans

Loan Type AmountOverdraft loan 28,327,167Margin lending 25,464,860Housing Loan 1,994,324

> Movements in Loan Loss Provisions and Interest SuspenseMovement of Loan Loss Provision

Particulars Opening Balance Closing Balance %Change

Pass Loan 271,608,685 327,081,904 20.42%

Watch List - 2,981,489 -

Sub - Standard Loan 13,882,970 375,000 (97.30)%

Doubtfull Loan 173,037,414 86,458,045 (50.04)%

Loss Loan 273,596,374 437,803,620 60.02%

Personal Guarantee 126,000 457,745 263.29%

Movement of Interest SuspenseParticulars Opening Balance Closing Balance % Change

Interest Suspense 285,312,878 249,898,901 (12.41)%

Details of Additional Loan Loss Provisions

Particulars Opening Balance Closing Balance Additional ProvisionPass Loan 271,608,685 327,081,904 55,473,219Watch List - 2,981,489 -Sub - Standard Loan 13,882,970 375,000 (13,507,970)Doubtfull Loan 173,037,414 86,458,045 (86,579,369)Loss Loan 273,596,374 437,803,620 164,207,246

Personal Guarantee 126,000 457,745 331,745


> Segregation of investment portfolio into Held for trading, Held to Maturity and Available forSale Category

Investment Portfolio Amounta. Held for Trading Nilb. Held to Maturity 5,704,449,102

Treasury Bills 4,330,171,203Nepal Government Development Bond - 3 years 584,150,000Money at Call 48,224,484Other Investments 741,903,415

c. Available for Sale 86,846,960Nepal Clearing House Ltd. 2,500,000Mahila Sahayatra Microfinance Development Bank Ltd. 14,000,000Mero Microfinance Bittiya Sanstha Ltd. 14,000,000NMB Sulav Fund - 1 15,659,980NIBL Samriddhi Fund - 1 27,822,550Laxmi Mutual Fund - 1 12,864,430

> Summary of the bank's internal approach to assess the adequacy of its capital to supportcurrent and future activities:> To ensure sound capital assessment process; the board, management, audit committee and

internal audit frequently monitor and review quality and effectiveness of the control and mitigate riskto protect the assets of the bank regularly

> The bank has established sound credit appraisal system and formation of committees with at least3 members in various levels of approval of final credit disbursement. Regular site visits, analysis ofmarket trend, value of collaterals and adjustments in its policy accordingly, will minimize creditrisks.

> The bank has set up Assets Liability Management Committee chaired by CEO to manage themarket risks. The bank periodically performs gap analysis of its assets and Liabilities to managethe liquidity risks.

> Summary of the terms, Conditions and main features of all capital instruments, especially incase of subordinated term debts including hybrid capital instruments - Nil

3. Risks Management Function in the Bank

Banking business is all about managing various risks inherent to the business for achieving its objectivesthrough appropriate trade off between risk and return. The banking business has various inherent risks viz.Credit risks, Market risks and Operational risks. The bank’s risks management is based upon followingstrategies:

· Identifications of various risks;· Clear understanding of various risks;· Proper assessment of the risks;· Monitoring and managing of risks

PCBL has its plan, policies, manual and working methodology in place to manage all kinds of risks inherent in thebanking business.

To manage various banking risks, PCBL has established different control mechanisms including segregation ofduties amongst the staffs, formation of various directors and management level committees for different


functions and appropriate delegation of authorities to such committees. Apart from that the bank has strongreporting system to minimize the banking risks.

Credit Risks

Credit risk reflects the potential inability of a borrower to repay a loan according to the established terms andconditions of the loan agreement. The bank monitors and manages credit risks for individual borrowers as well asin portfolio level. The bank periodically reviews credit concentration on different economic sectors anddiversifies its credit portfolios to minimize credit risks.

In order to manage credit risks, PCBL has established sound credit appraisal system and formation ofcommittees with at least three members in various levels of approval of final credit disbursement. The bankhas Credit Policies Guidelines and other consumer loan product papers approved by the Board of Directorsand are strictly followed during disbursement of any credit. Credit officers conduct regular site visit toborrower’s business before and after disbursement of credit which has supported to establish sound creditrisks management system in the bank. The bank performs analysis of market trend including business trend,value of collaterals/security and adjust in its policy accordingly to minimize any credit risks.

Apart from that the bank has developed document checklist of all required financial and legal documents foreach credit file to monitor all kinds of legal risks.

Market Risks

Market risks are the risks of loss resulting from change on interest rates, foreign currency exchange etc. PCBLhas established ALM policy approved by the Board of Directors to monitor the Market Risks. Under the ALMpolicy, the bank has set up Asset Liability Management Committee chaired by Chief Executive Officer tomanage the Market Risks. The committee periodically discusses on the market trend, liquidity position of thebank, interest rates to manage all market related risks. The bank periodically performs gap analysis of itsAssets and Liabilities to manage its liquidity risks. The bank manages exchange risks through positions limits forvarious foreign currencies.

The bank has also made adequate liquid investment to avoid any kind of liquidity crisis. The bank alsoperforms gap analysis to monitor interest rate risks. The bank limits its exchange rate risk by stipulatingposition limit for various foreign currencies.

Operational Risks

Operational risks is the risks resulting from inadequate/weak internal control process in credit procedures,operational procedures and /or fraud resulting in losses. Operational risks in general covers all kinds of risksexcept credit and market risks. It can be caused through internal as well as external factors. Operational risks inthe bank are managed through establishment of strong internal control system within the organization. The bankfollows operational manual and other procedures approved by the Board of Directors to manage theoperational risks.

The internal control system of the bank is managed in different levels with a principal of segregation of dutiesamongst the staff. The bank has strong internal audit department to review the internal control system of thebank and ensure that the approved policies / procedures are strictly followed.

The structure of internal control system and risk management function:

1) Operator Level

Operator level executes the transaction as per the defined procedures for the activity. For each activity theauthority limit has been imposed according to the level of staff and nature of the activity. The rights andauthority given to the operators in IT system commensurate with the nature of job entrusted to them. Foreach activity there is a presence of audit trial.


2) Officers/ Managers Level

· All the transactions (except deposits and payment up to certain limit) executed by the operatorsare independently verified at this level.

· Ensure that all the transactions are executed within the authority limit delegated and as per the definedprocedures.

3) Executive Management Level

· At this level the risk associated with the various natures of activities are identified.· Set appropriate Internal Control policies.· Implement the defined control measures to minimize the risks.· Review the control reports and exceptions report generated by the system everyday.

4) IT Manager

The IT Manager is responsible for monitoring system risk and IT related risks.

5) Internal Audit

· The Internal Audit function provides an independent assessment of the adequacy of, and compliancewith, the organization’s established policies and procedures.

· At this level, the internal control performed on each type of transaction is examined, its effectiveness ischecked.

· Review the management and financial information system.· Review the accuracy and reliability of the accounting record and financial reports.· Recommend to correct the weaknesses / lapses in the internal control system.

6) Audit Committee / Board of Directors

· Review the overall internal control system.· Monitor the adequacy and effectiveness of internal audit system.· Prepare action plan on the basis of the internal audit report and external audit report in order to strengthen

the internal control system of the organization.


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