gjf}+ jflif{s k|ltj]bg cf=j= @)&!÷)&@

d'lQmgfy ljsf; a}s lnld6]8MUKTINATH BIKAS BANK LIMITED

jflif{s k|ltj]bgcf=j= @)&!÷)&@(cf}+


gjf}+ jflif{s k|ltj]bgcf=j= @)&!÷)&@



k|f]S;L kmf/d>L ;~rfns ;ldlt D'flQmgfy ljsf; a}Fs lnld6]8kf]v/f– (, k[YjLrf]s, sf:sL

ljifo M k|ltlgwL -k|f]S;L_ lgo'Qm u/]sf] jf/] .dxfzo,

====================lhNnf======================dxf÷pk÷g=kf=÷uf=lj=;= j8f g+=========j:g] d÷xfdL =================

============================== To; a}Fssf] ;]o/wgLsf] x}l;otn] ldlt @)&@ ;fn, kf}if @* ut] d+unjf/sf lbg

x'g] gjf}+ jflif{s ;fwf/0f ;efdf, d÷xfdL :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg]

ePsfn], pQm ;efdf d]/f]÷xfd|f] tkm{af6 efu lng tyf dtbfg ug{sf nflu ==================== lhNnf

======================= dxf÷pk÷g=kf÷uf=lj=;=j8f g+=========== j:g] >L ==================================================

nfO{ k|ltlglw lgo'Qm u/L k7fPsf] 5' ÷ 5f}+ . k|f]S;L kfpg]sf] M lgj]bsM b:tvt M b:tvt MgfdM gfdM7]ufgfM 7]ufgfM ;]o/wgL g+= M ;]o/wgL g+= M;]o/ ;+Vof M ;]o/ ;+Vof Mldlt M ldlt Mb|i6Jo Mof] lgj]bg ;fwf/0f;ef x'g'eGbf sDtLdf $* 306f cufj} a}Fssf] /lhi68{ sfof{no, kf]v/f–(, k[YjLrf]s, sf:sLdf k]z u/L ;Sg'kg]{5 . ;]o/wgL jfx]s cGo JolQmnfO{ k|ltlglw lgo'Qm ug{ kfO{g] 5}g .

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

;]o/wgLsf] gfdM >L================================== ;]o/wgL kl/ro g+=M===========;]o/ ;+VofM ====== ldlt @)&@ ;fn, kf}if @* ut] d+unjf/sf lbg x'g], d'lQmgfy ljsf; a}Fs lnld6]8sf] gjf}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf]

k|j]z–kq

===========================;]o/wgLsf] b:tvt

=========================sDkgL ;lrj

;efdf efu lng cfpFbf of] k|j]z–kqdf clgjfo{ ?kdf gfd, b:tvt, ;]o/wgL kl/ro g+= tyf s'n ;]o/ ;+Vof pNn]v u/L, ;fy} lnO{ cfpg' kg]{5 .

s




v



gjf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

>L ;]o/wgL dxfg'efjx¿,d'lQmgfy ljsf; a}Fs ln=sf] ;~rfns ;ldltsf] !$& cf}+ a}7ssf] lg0f{o adf]lhd, o; ljsf; a}Fssf] gjf}+ jflif{s ;fwf/0f ;ef lgDg ldlt, ;do, / :yfgdf, b]xfosf ljifox¿ pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf, ;Dk"0f{ ;]o/wgL dxfg'efjx¿sf] hfgsf/L Pj+ pkl:yltsf nflu, of] ;"rgf k|sflzt ul/Psf] 5 .

;ef x'g] ldlt, ;do, / :yfg M ldlt M @)&@ kf}if @* ut], d+unjf/ -tbg';f/, hgj/L !@, @)!^_ ;do M ljxfg, *M#) ah] . :yfg M xf]6n kf]v/f u|f08, kfbL{, lj/f}6f, kf]v/f .

5nkmnsf ljifox¿ M ;fdfGo k|:tfjx¿ M != ;~rfns ;ldltsf] tkm{af6 cWoIfHo"sf], cf=j= @)&!÷)&@ sf] jflif{s k|ltj]bg pk/ 5nkmn u/L

kfl/t ug]{ . @= n]vfk/LIfssf] k|ltj]bg ;lxt cf=j= @)&!÷)&@ cfiff9 d;fGt;Ddsf] jf;nft, gfkmf–gf]S;fg

lx;fj, gub k|jfx, nufotsf ljj/0fx¿ kfl/t ug]{ .#= cf=j=@)&@÷)&# sf] nflu jfXo n]vfk/LIfs lgo'Qm ug]{, tyf lghsf] kfl/>lds lgwf{/0f ug]{ . $= ljsf; a}Fssf] lgodfjnL cg';f/, ;+:yfks ;]o/wgLx¿sf] tkm{af6 ;~rfns kbdf k|ltlglwTj ug]{

$ -rf/_ hgf, / ;j{;fwf/0f ;]o/wgLx¿sf] tkm{af6 ;~rfns kbdf k|ltlglwTj ug]{ # -tLg_ hgf ;~rfnsx¿sf] lgjf{rg ug]{ .

%= ;~rfnsx¿sf] a}7s eQf nufot cGo ;'ljwfx¿ j[l4 ug]{ . ^= ;~rfns ;ldltn] k|:tfj u/] adf]lhd, cf=j= @)&!÷)&@, cfiff9 d;fGt ;Ddsf] v'b gfkmfaf6

!=^# k|ltzt -jf]g; ;]o/sf] s/ k|of]hgfy{ gub nfe+fz_ n] x'g cfpg] /sd ?= !,)$,$@,%!#÷)) -cIf/]kL Ps s/f]8 rf/ nfv aofln; xhf/ kfFr ;o t]x| dfq_ gub nfe+fz kfl/t ug]{ .

ljz]if k|:tfjx¿ M!= o; ljsf; a}Fssf] clws[t k"FhL ?= @,%),)),)),)))÷)) -cIf/]kL b'O{ ca{ krf; s/f]8 dfq_

k'¥ofpg] .@= ;~rfns ;ldltn] k|:tfj u/] adf]lhd @)&@, cfiff9 d;fGt ;Ddsf] r'Qmf k"FhL

?= ^$,)),@%,)))÷)) -cIf/]kL rf};¶L s/f]8 kRrL; xhf/ dfq_ sf] #! k|ltzt jf]g; ;]o/n] x'g cfpg] /sd ?= !(,*$,)&,&%)÷)) -cIf/]kL pGgfO; s/f]8 rf}/f;L nfv ;ft xhf/ ;ft ;o krf; dfq_ kfl/t ug]{ .

#= o; gjf}+ jflif{s ;fwf/0f ;efdf k|:t't ul/Psf] #! k|ltzt jf]g; ;]o/, kfl/t, / ljt/0f eP

kZrft, sfod x'g cfpg] r'Qmf kF"hL ?= *#,*$,#@,&%)÷)) -cIf/]kL lqof;L s/f]8 rf}/f;L nfv aQL; xhf/ ;ft ;o krf; dfq_ sf] %) k|ltzt, ofgL @ a/fa/ ! -@M!_ sf b/n]

u



?= $!,(@,!^,#&%÷)) -cIf/]kL Psrfln; s/f]8 aofgAa] nfv ;f]x| xhf/ tLg ;o krxQ/ dfq_ a/fa/sf] xsk|b ;]o/ lgisfzg ug]{ .

$= jt{dfg hf/L k"FhL, / r'Qmf k"FhL j[l4 u/L ?= !,@%,&^,$(,!@%÷)) -cIf/]kL Ps ca{ kRrL; s/f]8 5\oQ/ nfv pgfGkrf; xhf/ Ps ;o kRrL; dfq_ k'¥ofpg], / ;f]xL adf]lhd ljsf; a}Fssf] k|aGw–kqdf cfjZos ;+;f]wg ug]{ .

%= o; ljsf; a}Fssf] k|aGw–kqdf p2]Zo tyf sfo{x¿ yk ug]{ .^= o; ljsf; a}Fssf] lgodfjnLdf cWoIf, ;~rfns tyf k|d'v sfo{sf/L clws[tsf] sfo{sfnsf

;DaGwdf cfjZos ;+zf]wg ug]{ . &= o; d'lQmgfy ljsf; a}Fs ln=, / cGo pko'Qm a}Fs tyf ljQLo ;+:yfx¿ Ps cfk;df k|flKt÷ufEg],

jf ufleg] (Acquisition/Merger), k|of]hgsf nflu, pko'Qm a}Fs tyf ljQLo ;+:yfsf] klxrfg ug]{, ;xdtLkq (Memorandum Of Understanding) df x:tfIf/ ug]{, ;f]sf] cfwf/df ;}4flGts :jLs[ltsf nflu g]kfn /fi6« a}Fsdf lgj]bg lbg], ;DklQ bfloTjsf] d"NofÍg (Due Diligence Audit) ug{ k/fdz{bftf, d"NofÍgstf{, n]vfk/LIfs lgo'Qm ug]{, / lghsf] kfl/>lds tf]Sg], tyf pQm sfo{;+u ;DalGwt cGo cfjZos sfo{x¿ ug{sf nflu, ;~rfns ;ldltnfO{ clVtof/L lbg], k|:tfj kfl/t ug]{ .

*= o; ljsf; a}Fssf] k|aGw–kq tyf lgodfjnL ;+zf]]wg ug]{ ;DaGwdf, lgodgsf/L lgsfoaf6 km]/abn ug{ lgb]{zg ePdf, cfjZostf cg';f/, ;f]df yk36, kl/dfh{g, ;+zf]wg, tyf ;Rofpgsf] nflu ;~rfns ;ldlt, jf ;ldltn] tf]s]sf] JolQmnfO{ clVtof/L lbg] .

(= ljljw .

;~rfns ;ldltsf] cf1fn]sDkgL ;lrj

#



gjf}+ jflif{s ;fwf/0f ;ef ;DaGwL cGo hfgsf/Lx¿ M

!= gjf}+ jflif{s ;fwf/0f ;efnfO{ Wofgdf /fvL, ldlt @)&@, kf}if !# ut], ;f]djf/b]lv @)&@, iff}if @* ut], d+unjf/;Dd o; ljsf; a}Fssf] ;]o/ bflvnf vf/]h (Book Close) sf] sfd aGb /x]sf] 5 . g]kfn :6s PS;r]~h lnld6]8df, ldlt @)&@, iff}if !@ ut];Dd sf/f]af/ eO{, Book Close sf] ldltn] & sfo{ lbg leq, o; ljsf; a}Fssf] ;]o/ /lhi6«f/, Pg=cfO{=la=Pn= Soflk6n dfs]{6\; ln= (NIBL Capital Markets Ltd.) nflhDkf6, sf7df08f}+df, k|fKt ;]o/ gfd;f/Lsf] lnvtsf] cfwf/df, ;]o/wgLx¿n] ;f] ;efdf efu lng, ;fy} af]gz tyf gub nfef+z k|fKt ug{ ;Sg]5g\ .

@= jflif{s ;fwf/0f ;efdf efu lng cfpg'x'g] ;Dk"0f{ ;]o/wgL dxfg'efjx¿n] cfˆgf] kl/ro v'Ng] k|df0f–kq, jf ;f]sf] k|ltlnlk, clgjfo{ ?kdf ;fydf lnO{ cfpg'x'g cg'/f]w 5 .

#= ;]o/wgL dxfg'efjx¿sf] pkl:ylt k'l:tsfdf b:tvt ug{, ;]o/wgL pkl:ylt k'l:tsf, ;fwf/0f ;ef x'g] lbg, ljxfg, &M#) ah]b]lv v'Nnf /xg]5 .

$= 5nkmnsf ljifox¿ dWo], ljljw lzif{s cGtu{t s'g} k|:tfj ePdf, 5nkmn ug{ OR5's ;]owgLn], ;ef x'g'eGbf & -;ft_ lbg cufj}, 5nkmnsf] ljifosf] hfgsf/L, sDkgL ;lrj dfkm{t, ;~rfns ;ldltsf] cWoIfnfO{, lnlvt ?kdf lbg' kg]{5 .

%= ;fwf/0f ;efdf efu lngsf nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] ;]o/wgLx¿n], k|rlnt sDkgL sfg'gn] tf]s]sf] 9fFrfdf, k|f]S;L kmf/d e/L, ;ef z'? x'g' eGbf slDtdf $* 306f cfufj}, cyf{t ldlt @)&@, kf}if @^ ut], ljxfg *=#) ah] leq, o; ljsf; a}Fssf] s]Gb|Lo sfof{no, k[YjLrf]s, kf]v/fdf, btf{ u/fO{ ;Sg' kg]{5 . o;sf ;]o/wgL afx]s c?nfO{ k|f]S;L lbg, / Ps eGbf a9L AolQmnfO{ cfˆgf] ;]o/ ljefhg u/L, tyf cGo s'g} lsl;daf6 5'6\ofO{, k|f]S;L lbg kfOg] 5}g . o;/L lbPsf] k|f]S;L ab/ x'g] 5 .

^= k|f]S;L lgo'Qm u/L ;Sg' ePsf] ;]o/wgL cfkm} ;efdf pkl:yt eO{, xflh/ k'l:tsfdf b:tvt ug'{ ePdf, lbO{;s]sf] k|f]S;L :jtM ab/ x'g]5 .

&= Ps} ;]o/wgLn] Ps eGbf a9L k|f]S;Lx¿ lbO;s]sf] cj:yfdf, o; cl3 lbOPsf ;a} k|f]S;Lx¿ ab/ u/L, kl5Nnf] k|f]S;LnfO{ dfGotf lbOof]; egL 5'6\6} kq n]vL, $* 306f cufj}, cyf{t, @)&@, kf}if @^ ut], ljxfg *M#) ah] leq btf{ u/fOPsf] cj:yfdf, cl3Nnf k|f]S;Lx¿ :jtM ab/ ePsf] dfgL, kl5Nnf] k|f]S;LnfO{ dfGotf lbOg]5 .

*= gfjfns ;]o/wgLsf] ;Gbe{df, ;]o/wgL btf{ lstfadf ;+/Ifssf] ?kdf gfd n]lvPsf] AolQmn] dfq, ;+/Ifssf] x}l;otn] ;efdf efu lng, 5nkmn ug{, k|ltlglw lgo'Qm ug{, / dtbfg ug{ ;Sg]5 .

(= ;~rfns kbdf pDd]bjf/ lbg rfxfg' x'g] ;]o/wgLn] sDtLdf !)) lsQf ;]o/ wf/0f u/]sf] x'g' kg]{5 .

!)= ;fwf/0f ;ef ;DaGwL yk hfgsf/L cfjZos k/]df, sfof{no ;do leq, o; ljsf; a}Fssf] s]Gb|Lo sfof{no, kf]v/f–(, k[YjLrf]s, sf:sLdf, ;Dks{ /fVg' x'g cg'/f]w 5 .

ª



d'lQmgfy ljsf; a}Fs ln=sf] @)&@, d+l;/ d;fGt;Ddsf] ;+lIfKt hfgsf/L

gfd d'lQmgfy ljsf; a}Fs lnld6]8/lhi68{ sfof{no kf]v/f pk–dxfgu/kflnsf, j8f g+=–(, sf:sL sDkgLsf] k|sf/ klAns lnld6]8 sDkgLsDkgL /lhi6«f/sf] sfof{nodf btf{ ePsf] ldlt @)^@, r}q @@ ut]btf{ gDa/ (%^÷)^#÷)^$g]kfn /fi6« a}Fsaf6 sf/f]af/ :jLs[t k|fKt @)^#, kf}if !* ut]sf/f]af/ z'? ldlt @)^#, kf}if !( ut]sfo{If]q /fli6«o :t/sfof{no ;+rfngdf /x]sf lhNnfx¿ -;+Vofdf_ !@sfof{nox¿ zfvf sfof{noM @(

;Lldt a}lsË sfof{no M !&PS;6]G;g sfp06/ M #s'n M $(

;]o/ ;"rLs/0f ldlt @)^*, sflt{s $ k"FhL ;+/rgf -s_ clws[t k"FhL ;fljsM ?= ! ca{

k|:tfljtM ?= @ ca{ %) s/f]8 -v_ hf/L k"FhL -k|:tfljt jf]g; ;lxt_ ?= *# s/f]8 *$ nfv #@ xhf/ & ;o %) -u_ r'Qmf k"FhL -k|:tfljt jf]g; ;lxt_ ?= *# s/f]8 *$ nfv #@ xhf/ & ;o %) -3_ ;]o/ ;+/rgf ;+:yfksM %!Ü

;j{;fwf/0fM $(Üg]6jy{ k|lt ;]o/ ?= !&#÷–s'n lgIf]k ?= 8,75,14,83,738÷– s'n shf{ tyf ;fk6L ?= 7,50,72,90,705÷–s'n nufgL ?= 9,77,07,057÷–v'b gfkmf ?= 11,89,59,270÷–k|lt ;]o/ cfDbfgL ?= $$=^!k|lt ;]o/ ahf/ d"No -clwstd_ ?= *()÷–vftf ;+Vof !,*(,@$)C0fL ;+Vof ^^,%&&k"FhLsf]if kof{Kttf !#=@)Üshf{, / k"FhL tyf lgIf]k cg'kft (CD Ratio) &^=!%Ülgis[o shf{÷s'n shf{ cg'kft )=#!Üa}wflgs t/ntf cg'kft !!=$%Üs'n sd{rf/L ;+Vof %@%

r



qm=;+= lzif{s kfgf g+=

!= k|f]S;L kmf/d, / k|j]z–kq s

@= gjf}+ jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf u

#= gjf}+ jflif{s ;fwf/0f ;ef ;DaGwL cGo hfgsf/Lx¿ ª

$= d'lQmgfy ljsf; a}Fs ln=sf] ;+lIfKt hfgsf/L r

%= ;~rfns ;ldltsf] jflif{s k|ltj]bg !

^= n]vfk/LIfssf] k|ltj]bg !@

&= jf;nft !$

*= gfkmf–gf]S;fg lx;fj !%

(= gfkmf–gf]S;fg afF8kmfF6 lx;fj !^

!)= gub k|jfx ljj/0f !&

!!= OSjL6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f !(

!@= cGo ljQLo ljj/0fx¿ -cg';"rLx¿_ @!

!#= )=% k|ltzt, jf ;f] eGbf a9L ;]o/x¿ wf/0f ug]{ ;]o/wgLx¿ @@

!$= k|d'v n]vf gLltx¿ ^#

!%= n]vf ;DaGwL l6Kk0fLx¿ ^&

!^= lwtf]kq btf{ tyf lgisfzg lgodfjnL @)^% sf] cg';"rL–!# &$

!&= ;fdfGo tyf ljz]if k|:tfjx¿ *)

!*= g]kfn /fi6« a}Fssf] :jLs[lt kq *#

!(= g]kfn /fi6« a}Fssf] lgb{]zg pk/ ;~rfns ;ldltsf] k|ltlqmof *$

@)= k"FhLj[l4 of]hgf *&

@!= n3'ljQ sfo{qmd ;DaGwL ;+lIfKt emns **

@@= sfof{no k|d'vx?sf] gfd (%

@#= u|fkm, rf6{ tyf kmf]6f]x? (&



1

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

cfb/0fLo ;]o/wgL dxfg'efjx¿,d'lQmgfy ljsf; a+}s lnld6]8sf] gjf}+ jflif{s ;fwf/0f ;efdf kfNg'eO{, o;sf] ul/df a9fpg' x'g] ;Dk"0f{ ;]o/wgL dxfg'efjx¿, / cltlyHo"x¿nfO{, o; ;~rfns ;ldltsf] tkm{af6, ;fy} d]/f] JolQmut tkm{af6, xflb{s :jfut Pj+ clejfbg AoQm ub{5' . o; ;+:yfn] ljutdf lnPsf nIox¿ k|fKt ug{sf nflu, oxfFx¿sf] ;Nnfx, ;'emfj, / ;xof]u ;/fxgLo /x]sf]5 . o; ;efaf6 k|fKt x'g] ;Nnfx, / ;'emfjx¿n], o;nfO{ cem a9L phf{ yKg]5 eGg] ljZjf; lnPsf] 5' . o;n] cf=j= @)&!÷)&@ df xfl;n u/]sf k|ultx¿sf] ;dLIff ub}{, eljiodf ckgfpg' kg]{ /0fgLltx¿sf] af/]df 5nkmn u/L lg0f{odf k'Ug, oxfFx¿ ;dIf cf=j= @)&!÷)&@ sf] jflif{s k|ltj]bg, / ljQLo ljj/0fx¿ k|:t't ug]{ cg'dlt dfUb5' . ;fy} o; k|ltj]bgdf pNn]v ul/Psf ljifoj:t', / ljj/0fx¿nfO{ cg'df]bg u/L lbg' x'g]5 eGg] ck]Iff ;d]t lnPsf] 5' .

d'lQmgfy ljsf; a}Fs lnld6]8n], :ofËhf lhNnf, k'tnLahf/ gu/kflnsfaf6 @)^# ;fn, kf}if !( ut] b]lv, ?= ! s/f]8 #) nfv r'Qmf k"FhLsf ;fy cfˆgf] ljQLo ofqf z'? u/]sf] xf] . tLg lhNn] ljsf; a}Fssf ?kdf :yflkt, o;n] cfˆgf efjL sfo{qmdx¿ cGtu{t, /fli6«o:t/sf] ljsf; a}Fssf] nIo, @)&@ ;fn, cfiff9df k|fKt u/]sf] 5 . o;nfO{ /fli6«o:t/sf]]] ljsf; a}Fsdf kl/0ft x'g Acquisition/Merger sf] cfjZostf /x]sf]df, o;sf] cf7f}+ jflif{s ;fwf/0f ;efaf6, ;~rfns ;ldltnfO{ ;f]sf] clVtof/L k|fKt eO{, wflbË lhNnf s]Gb|Lt l;les 8]enkd]06 a}Fs ln= nfO{ k|fKtL u/L, of] ;+:yf /fli6«o :t/sf]] ljsf; a}Fsdf kl/0ft ePsf] 5 . ljutsf ljleGg jif{x¿df xsk|b tyf jf]g; ;]o/x¿ hf/L ub}{ cfPsf], o; ;+:yfsf] r'Qmf k"FhL xfn ?= ^$ s/f]8 @% xhf/ /x]sf] 5 .

xfn} g]kfn /fi6« a}Fsn] hf/L u/]sf] df}lb|s gLlt, Pj+ ljleGg ;dox¿df hf/L ePsf ljleGg kl/kqx¿n], ljQLo ;+:yfx¿nfO{ ;jn, cg'zfl;t, / dof{lbt agfpg ;xof]u k'u]sf] 5 . t/ /fhlglts cl:y/tf, b}jL k|sf]k, OGwg ljt/0fsf] c;xhtf, cflb sf/0fx¿n] ubf{, ljutsf jif{x¿em}+, o; cf=j=df klg ljQLo ;+:yfx¿sf] t/ntfdf cfPsf] ptf/ r9fj, shf{df 36\bf] Jofhb/, Pj+ cfGtl/s k|lt:kwf{x¿, cflb /lx /x]sf 5g\ . d'lQmgfy ljsf; a}Fsn] o:tf] cj:yfdf klg ;Gtf]ifhgs k|ult xfl;n u/]sf] 5 . o;n] sl/j @ nfv u|fxsx¿nfO{ ;]jf k|bfg ub}{, o; cf=j=df, r'Qmf k"FhLdf &$=!^ k|ltzt, lgIf]kdf $)=^$ k|ltzt, shf{ nufgLdf #(=&& k|ltzt, / ;~rfng d'gfkmfdf $^=(& k|ltztn] j[l4 xfl;n u/]sf] 5 . oL pknAwLx¿n], o;nfO{ cufl8 a9\g d2t k'Ug] b]lvG5 .



2

cGo ljsf; a}Fsx¿ eGbf km/s z}nLdf ;]jf k|bfg ub}{ cuf8L a9L /x]sf] o; ljsf; a}Fsn], cfw'lgs a}+lsË, ;Lldt a}+lsË, / n3'ljQ ;]jf Ps};fy ;~rfng u/L, ufpFb]lv zx/;Dd, / wgLb]lv ul/j;Ddsf hgtfx¿nfO{ a}+lsË ;]jf k|bfg ub}{ cfO{/x]sf] 5 . o;sf w]/} h;f] cfw'lgs a}+lsË zfvfx¿, / ;a} ;Lldt a}+lsË sfof{nox¿df n3'ljQ 8]:s :yfkgf u/L, n3'ljQ ;]jf ;~rfng ul/Psf] 5 . o;sf sf/f]af/x¿nfO{ ;"rgf k|ljlwsf] ;~hfndf cfj4 u/fO{, u|fxsx¿sf] rfxgf cg'?k, ;xh, / ;/n ?kdf ;]jf k|bfg ug{, of] k|of;/t 5 . o;n] u|fxsx¿sf] ljQLo cfjZostf k"/f ug{sf nflu, shf{ nufgL, / lgIf]k ;+sngdf ljljlws/0f ub}{, cfpg;Sg] hf]lvdx¿nfO{ ;d]t Go"gLs/0f ug]{ k|of; u/]sf] 5 . o;sf ljleGg ljefux¿df sfo{/t sd{rf/Lx¿sf] txut lhDd]jf/L, / clwsf/ tf]ls, cfGtl/s lgoGq0f k|0ffnLx¿nfO{ alnof], / ;Ifd agfpg] sf]lz; ul/Psf] 5 . k|ToIf ljQLo ;]jfsf cltl/Qm, ;fdflhs pQ/bfloTjx¿nfO{ ;d]t cfTd;fy ub}{, o;n] b]z tyf ;dfhsf nflu k"/f ug'{kg]{ ;fdflhs bfloTjx¿ tkm{ klg of]ubfg lb+b} cfPsf] 5 .

d'lQmgfy ljsf; a}Fs lnld6]8n] cfkm\gf] nIo k|flKt, / lbuf] ljsf;sf nflu Joj:yfkg tx, sd{rf/Lx¿sf] pTk|]/0ff, / sfo{ bIftf k|d'v sf/sx¿sf] ?kdf /x]sf] dgg u/]sf] 5 . o;n] pxfFx¿sf] sfo{ Ifdtf, / bIftf ljsf;sf nflu cfjZos tflndx¿, j[QL ljsf;, / kfl/>lds Pj+ cGo ;'ljwfx¿ ;d]t k|bfg ub}{ cfPsf] 5 . o;n] of]Uo, bIf, cg'ejL, / cu|ufdL ;f]r ePsf sd{rf/Lx¿sf] lgo'lQm, kbf]Gglt, / pxfFx¿sf] ;]jfsf] lg/Gt/tfnfO{ sfod /fVg, ;w}+ lqmofzLn /x]sf] 5 . o;sf] Joj:yfkg txdf, a}+lsË If]qdf nfdf] cg'ejsf ;fy} bIf, of]Uo, / pRr z}lIfs of]Uotf xfl;n u/]sf o'jf sd{rf/Lx¿ sfo{/t /x]sf 5g\ .

df}lb|s gLlt, / o;sf k|efjx¿ Mg]kfnsf] cy{tGqnfO{ ;jn, ;Ifd, / ;'b[9 tj/af6 kl/rfng ug{, g]kfn /fi6« a}Fsn], g]kfn ;/sf/sf] ;Nnfxsf/sf] e"ldsf lgjf{x ub}{, ;fj{hlgs u/]sf] df}lb|s gLltsf s]xL c+zx¿ o; k|sf/ /x]sf 5g\ .

ldlt @)&@, a}zfv !@ sf] ljgf;sf/L e'sDkn] b]zsf] cy{tGqdf k'¥ofPsf] Ifltsf sf/0f, ;dli6ut cfly{s :yfloTj sfod ug]{ sfo{df r'gf}tL ylkPsf] 5 . cy{tGqsf] k|d"v, / 7"nf] lx:;f cf]u6\g] s[lif If]q, xfn ;Dd klg lgjf{xd"vL cj:yfd} /x]sf], tyf pBf]u Pjd\ ;]jf If]q klg ljleGg cfly{s tyf u}/ cfly{s Jojwfgaf6 u'lh|/x]sf] 5 . d"n'ssf] cfly{s j[l4n] cem} klg ck]lIft ult lng ;s]sf] 5}g . cfly{s jif{ @)&!÷)&@ Dff, oyfy{ s"n ufx{:y pTkfbg j[l4b/ cfwf/e"t d"Nodf #=) k|ltzt, / pTkfbssf] d"Nodf #=$ k|ltzt /x]sf], s]Gb|Lo tYofË ljefusf] k|f/lDes cg'dfg /x]sf] 5 . cl3Nnf] jif{, o:tf] j[l4b/ qmdz M %=@ k|ltzt, / %=% k|ltzt /x]sf] lyof] . ;dLIff jif{df, s[lif tyf u}/ s[lif If]qsf] j[l4b/ qmdzM !=( k|ltzt, / #=^ k|ltzt /x]sf] cg'dfg 5, h'g cl3Nnf] jif{ qmdzM $=& k|ltzt / %=# k|ltzt /x]sf] lyof] .



3

ut cfly{s jif{sf] gub k|jfxdf cfwfl/t tYofÍ cg';f/, s"n ;/sf/L vr{ !*=( k|ltztn] j[l4 ePsf]df, cl3Nnf] jif{ pQm vr{ (=^ k|ltztn] j[l4 ePsf] lyof] . ;/sf/L vr{sf] clwsf+z efu rfn' vr{df ;Lldt /x]sf] sf/0f, b]zn] ck]lIft cfly{s j[l4b/nfO{ km/flsnf] agfpg ;s]sf] 5}g . ;/sf/sf] ;fwg kl/rfng, cl3Nnf] jif{ !(=% k|ltztn] j[l4 ePsf]df, ;dLIff cjlwdf !)=@ k|ltztn] j[l4 ePsf] cg'dfg ul/Psf] 5 . ;|f]t kl/rfngsf] t'ngfdf, ;/sf/sf] vr{ Go"g /xL, ;/sf/L ah]6 art eO{, g]kfn /fi6« a+}sdf gub df}Hbft ylkPsf] kfO{G5 .

cfly{s jif{ @)&!÷)&@ df, d"No l:ylt, shf{ k|jfx, lgIf]k ;+sng, tyf jfXo If]q l:ylt, nufotsf kl/;"rsx¿sf] cj:yf ;Gtf]ifhgs /x]sf] 5 . tyflk, e"sDkaf6 ePsf Ifltx¿sf sf/0f cfiff9 d;fGtsf] cfly{s ultljlwx¿df cfPsf ;+s'rgn], cfly{s a[l¢b/ nlIft :t/eGbf sd /xg uPsf] 5 . cf}krfl/s dfWodaf6 ljk|]if0f a9fpg ul/Psf k|of;x¿, tyf e"sDk kZrft ljk|]if0f cfk|jfxdf !@=$ k|ltztn] j[l4 ePsf] 5 .

o; cjlwdf a}Fs tyf ljQLo ;+:yfx¿sf] lgIf]kdf !%=$ k|ltztn] j[l4 ePsf] 5, eg] a}Fs tyf ljQLo ;+:yfx¿af6 lghL If]qdf k|jflxt shf{df !&=* k|ltztn] j[l4 ePsf] 5 . cl3Nnf] jif{ o:tf] j[l4b/, lgIf]kdf !@=%, / shf{ k|jfxdf !%=& k|ltzt /x]sf] lyof] .

ljQLo ;+:yfx¿ Ps cfk;df ufEg], / ufleg] qmddf, o; cf=j= df ! jfl0fHo a}Fs, !) ljsf; a}Fsx¿, / $ j6f ljQ sDkgLx¿ dh{ eO{, Ps jfl0fHo a}Fs, $ ljsf; a}Fsx¿, / ! ljQ sDkgLdf kl/0ft ePsf 5g\ . o; cjlwdf, Pp6f jfl0fHo a}Fs n] @ j6f ljQ sDkgLx¿, / Ps ljsf; a}Fsn] csf]{ Ps ljsf; a}FsnfO{ k|fKtL u/]sf] 5 . cf=j= @)&)÷&! df, a}Fsx¿sf] s'n zfvf ;+Vof #,$#) /x]sf]df, o; cf=j=df, of] #,*@$ k'u]sf] 5 . of] tYofÍnfO{ x]bf{, a}Fssf zfvfx¿sf] ;+Vofdf #($ j6f yk ePsf] b]lvG5, h; cg';f/, k|lt zfvf cf}iftdf &,@#@ hgf ;]jfu|fxLx¿n] ;]jf k|fKt ug{;Sg] cj:yf /x]sf] 5 .

a}Fs tyf ljQLo ;+:yfx¿af6 s[lif, lgdf{0f, pmhf{, cflb pTkfbgzLn If]qx¿tk{m k|jfx ePsf] shf{ tyf nufgL, lj:tf/ x'Fb} uPsf] 5 . cfly{s jif{ @)&!÷&@ sf] cGTo;Dddf, s[lif If]qtkm{ @# k|ltztn], cf}Bf]lus, pTkfbgd"ns If]qtk{m !#=& k|ltztn], lgdf{0f If]qtkm{ @&=$ k|ltztn], tyf yf]s tyf v'b|f Jofkf/tkm{ !*=( k|ltztn], j[l4 ePsf] 5 . To;} u/L, ;dLIff cjlwdf, oftfoft, ;+rf/ tyf ;fj{hlgs If]qx¿tkm{sf] nufgL @@=# k|ltzt k'u]sf] 5 .

ljut jif{x¿df h:t}, o; jif{ klg clws t/ntfdf /x]sf] ljQLo ahf/, / dfly pNn]lvt /fli6«o cfly{s ultljlwx¿sf] k[i7e"lddf, o; ;+:yfn] ljutsf jif{x¿, / o; cfly{s jif{Dff u/]sf sf/f]af/ tyf k|ultx¿, o; k|sf/ /x]sf 5g\ M



4

!= ljut jif{x¿sf sf/f]af/x¿sf] ;dLIff, / cfly{s jif{ @)&!÷)&@ sf ljQLo sf/f]af/x¿sf] l;+xfjnf]sgg]kfndf, sl/j ^) k|ltzt hgtfx¿ cem} klg a}+lsË ;]jfx¿af6 jl~rt /x]sf] tYofÍ 5 . of] ;]jf lj:tf/ ug]{ qmddf, æufpFmb]lv zx/ ;Dd, / wgLb]lv u/Lj ;DdÆsf] nflu, o; ljsf; a}Fsn] æhgtf a}Fsdf xf]O{g, a+}s hgtfdf hfg' kb{5Æ eGg] d"n dd{nfO{ cfTd;fy ub}{ cufl8 a9]sf] 5 . o;n] ;]jfu|fxLx¿nfO{ cfjZostf cg';f/sf] ljQLo ;]jfx¿ pknAw u/fpg, cfw'lgs a}lsË, ;Lldt a}lsË, / n3'ljQ ;]jfx¿ k|bfg ub}{ cfPsf] 5 .a+}s tyf ljQLo ;+:yfx¿sf] zfvf ;~hfndf eO{/x]sf] a[l¢, lg/Gt/ a9\b} uO{/x]sf] k|lt:kwf{, ;f+3'l/Psf] Joj;flos ahf/sf jfjh'b klg, ut cfly{s jif{df, o; ;+:yfn] lgIf]k ;+sng, shf{ k|jfx, d'gfkmf cfh{g, nfef+z ljt/0f h:tf If]qx¿df pT;fxhgs pknlAwx¿ xfl;n u/]sf] 5 . o; ljsf; a+}sn] ljut % cfly{s jif{x¿df xfl;n u/]sf d'Vo pknAwLx¿sf] k|ult ;"rsfÍx¿ b]xfo adf]lhd /x]sf 5g\ M

-?= xhf/df_

ljj/)f cf=j= 2067÷068

cf=j= 2068÷069

cf=j= 2069÷070

cf=j= 2070÷071

cf=j=2071÷072

r'Qmf k"FhL 200,000 200,000 245,000 507,150 640,025

lgIf]k bfloTj 1,836,196 2,750,634 3,662,812 5,197,885 7,781,558

shf{ tyf ;fk6 1,666,456 2,129,797 2,998,200 4,377,596 6,625,260

;~rfng d'gfkmf 60,832 108,276 154,537 238,615 347,032

v'b d'gfkmf 36,589 71,049 98,017 151,845 217,644

k|lt ;]o/ cfDbfgL 18=29 35=52 40=01 41=32 35=99

lgis[o shf{, -k|ltztdf_ 0=96 0=86 0=59 0=45 0=19

k|lt ;]o/ ahf/ d"No – 273 264 630 564

sd{rf/L ;+Vof 267 275 315 409 479

@= /fli6«o tyf cGt/f{li6«o c;/x¿af6 o; ljsf; a}FsnfO{ k/]sf k|efjx¿MljZjsf ljsl;t d'n'sx¿sf ;fy}, l5d]sL d'n'sx¿sf cy{tGqdf b]lvPsf ;'wf/ Pj+ cfly{s ultljlwx¿df cfPsf ;'wf/x¿;+u}, cfly{s tyf ljQLo sf/f]af/x¿df klg j[l4 ePsf] b]lvG5 . t/, g]kfnL ljQLo ahf/n] clws t/ntfsf] l:ylt ;fdgf ug'{ kl/ /x]sf]5 . shf{ tyf lgIf]k, b'j}sf Jofhb/x¿, lg/Gt/ 36\g] qmddf /x]klg, shf{ nufgLsf gofF, tyf lbuf] If]qx¿sf] cefj sfod} /x]sf]5 . b]zdf /f]huf/Lsf cj;/x¿sf] l;h{gf x'g g;s]sf sf/0fx¿n] ubf{, o'jf hgzlQm ljb]z hfg] ;ª\Vofdf j[l4 eO{/x]sf] b]lvG5 . cd]l/sL 8n/sf] ;jntfn] ubf{, /]ld6\ofG; cfjfudgsf] /sddf klg a[l¢ ePsf] 5 . lgIf]k ;+sngdf s]xL ;xhtf dx;'; ePklg, @)&@, a}zfv !@ ut]sf] ljgf;sf/L e"sDkaf6 ePsf] wghgsf] Iflt, / b]zdf r'lnb} uPsf] phf{ ;+s6n] ubf{, ljB't s6f}tL a9\b} uPsf]5 . o;n] o; ljsf; a+}ssf] sfo{ ;~rfngsf] nfut a9fpg'sf ;fy}, o;sf ljleGg ;]jfx¿df klg cj?4 x'gcfO{, nIo cg'?k ;]jfx¿ k|bfg ug{, k|lts'n c;/ k/]sf] 5 .



5

#= rfn' cfly{s jif{sf pknAwLx¿, / efjL of]hgfx¿ M -s_ sf/f]af/ ;DaGwdfRffn' cf=j=sf] klxnf] q}df; ;Dddf, o; ljsf; a+}sn] ¿= * ca{ #) s/f]8 *! Nffv %# xhf/ lgIf]k ;+sng u/L, ¿= & ca{ @* s/f]8 %& nfv %& xhf/ shf{ nufgL ug{ ;kmn ePsf] 5 . o; cjlwdf, o;n] ¿= !) s/f]8 && nfv ^@ xhf/ ;~rfng d'gfkmf cfh{g u/]sf] 5 . ut cf=j=, / rfn' cf=j=sf] klxnf] q}df;sf] k|ultnfO{ t'ngf ubf{, lgIf]k ;+sng tkm{ !#=(^ k|ltzt, / shf{ nufgL tkm{ !%=#) k|ltztn] j[l4 ePsf] 5 . o;sf] lglis[o shf{, cl3Nnf] jif{sf] ;f]xL q}df;sf] eGbf sd laGb'df sfod 5 . bf]>f] ahf/df o;sf] ;]o/sf] d"No a9\g] qmddf /x]sf] b]lvG5 .

-v_ zfvf tyf ;~hfn la:tf/ ;DaGwdf æPs JolQm Ps art vftf, Ps kl/jf/ Ps ;kmn pBdLÆ eGg] cleofgnfO{ o; ljsf; a}Fsn] cufl8 a9fpFb} nu]sf] 5 . ljQLo kx'Fr sd ePsf :yfgx¿df k|ToIf ljQLo ;]jf k|bfg ub}{ hfg] qmddf, o;n] cf=j= @)&!÷)&@ df, sf:sL lhNnf cGtu{t 5f]/]kf6g, x]dhf, a'9Lahf/, / sfx"Fvf]nfÙ kfNkf lhNnf cGtu{t tfg;]g, ;/fO{ / tfxF"Ù gjnk/f;L lhNnf cGtu{t 8]9ufpF, lu?jf/L / uf]kLu+hÙ ?kGb]xL lhNnf cGtu{t x/}of / /fdfk'/ sf]ngLdf n3'ljQ ;]jf ;lxtsf cfw'lgs a+}lsË zfvfx¿ tyf ;Lldt a+}lsË sfof{nox¿ ;~rfngdf NofPsf] 5 . To;}u/L, ljQLo ;dfj]zLs/0fnfO{ clej[l4 ug]{ p2]Zon], cfw'lgs a+}lsË, tyf n3'ljQ sfo{qmdnfO{ ;dfgfGt/ ?kdf lj:tf/ ug]{ of]hgf /x]sf] 5 .

-Uf_ ;"rgf k|ljlWf lj:tf/ ;DaGwdf o; ljsf; a}Fsn] k|bfg u/L /x]sf ljQLo ;]jfx¿nfO{ ;do ;fk]If, tyf u|fxssf kl/jlt{t rfxgf, / cfjZostfx¿ cg'?k, ljlEfGg gljgtd k|ljlwx¿ k|of]u ug]{ qmd hf/L /x]sf] 5 . cfufdL lbgx¿df klg o;nfO{ lg/Gt/tf lb+b}, yk cfw'lgs ;]jf–;'ljwfx¿ lj:tf/ ub}{ n}hfg] of]hgfx¿ /x]sf 5g\ . cfw'lgs a+}lsË tkm{, ABBS, ATM, SMS, Cell Pay, / Hello Paisa nufotsf k|ljlwx¿df cfwfl/t ;]jfx¿ lj:tf/ u/L ;lsPsf] 5 . o;sf cltl/Qm, O{G6/g]6 a+}lsË ;]jf (Internet Banking Service) nfO{ xfn} z''? ul/Psf]5 . To;}u/L, n3'ljQ sf/f]af/nfO{ klg ljs]Gb|Ls[t Software af6 s]Gb|Ls[t Web Based Software df Transfer u/L ;lsPsf]5 . o;af6 n3'ljQ sfo{qmddf cfj4 u|fxsx¿n] k|ljlwdf cfwfl/t sf/f]af/ ug]{ ;]jfx¿ k|fKt ug{ ;Sg]5g\ .

-3_ ;+:yfsf] :t/f]GgtL, tyf cGo ;+:yf;+u ufEg]÷ufleg] ;DaGwdf cf= j= )&!÷)&@ df, @% k|ltzt xsk|b ;]o/ lg:sf;g, / #* k|ltzt jf]g; ;]o/ ljt/0f u/L, o; ljsf; a+}ssf] r'Qmf k"FhL ?= %( s/f]8 () nfv @% xhf/ k'u]sf] lyof] . o;sf] sf/f]af/nfO{ yk j[l4, / lj:tf/ ug{ !) lhNNff sfo{If]q dfq kof{Kt gePsf]n], cf7f}+ jflif{s ;fwf/0f ;efaf6, ;~rfns ;ldltnfO{ Acquisition/Merger sf] clVtof/L k|bfg ul/Psf] lyof] . ;f]xL adf]lhd, wflbË s]Gb|Lt Civic Development Bank Limited nfO{ k|flKt u/] kl5, o;sf] r'Qmf k"FhL ?= ^$ s/f]8 @% xhf/ k'u]sf], / of] /fli6«o :t/sf]] ljsf; a}Fsdf kl/0ft ePsf] xf] . g]kfn /fi6« a}Fssf] kl/kq cg';f/, r'Qmf k"FhL ?= @ ca{ %) s/f]8 gk'u'~h]n ;Dd,



6

jf]g; ;]o/ dfq ljt/0f ug{ kfO{g] ePsf] x'gfn], o;n] cf=j=@)&!÷)&@ sf] v'b d'gfkmfaf6, ;~rfns ;ldltn] k|:tfj u/] adf]lhd, #! k|ltzt jf]g; ;]o/, tyf s/ k|of]hgfy{ !=^# k|ltzt gub nfef+z u/L, s'n #@=^# k|ltzt nfef+z cg'df]bgsf nflu, o; ;fwf/0f ;ef ;dIf k]z u/]sf]5 . o; kZrft, o;sf] r'Qmf k"FhL ?= *# s/f]8 *$ nfv #@ xhf/ sfod x'g]5 . o;/Lg}, yk r'Qmf k"FhL j[l4sf nflu, o;n] cfufdL cf=j=x¿df, xsk|b, jf]g; ;]o/, ;+u} Acquisition/Merger k|s[ofx¿nfO{ ;d]t cufl8 a9fpg] ;f]r /fv]sf] 5 .

$= dfgj ;+;fwgsf] Joj:yfkg, / ljsf; Mo; ljsf; a}Fssf] nIo k|flKt, / lbuf] ljsf;sf nflu, sd{rf/Lx¿sf] sfo{ bIftf, / sfo{ Ifdtf dxTjk"0f{ /x]sf] 5 . ;f]sf] ljsf;sf nflu, o; ;+:yfn] cfjZostf cg';f/sf tflndx¿, / ;'ljwfx¿ k|bfg ub}{ cfPsf] 5 . of]Uo, bIf, / cg'ejL sd{rf/Lx¿sf] lgo'lQm, tyf kbf]Gglt ug]{ sfddf, of] ;+:yf lqmofzLn /x]sf] 5 . dfgj ;+;fwgsf] plrt Joj:yfkgnfO{ pRr k|fyldstfsf ;fy cufl8 a9fOPsf] 5 .

%= :ffdflHfs pQ/bfloTj MljQLo ;]jfsf cnfjf, o; ljsf; a+}sn] ;fdflhs bfloTjx¿ klg jxg ub}{ cfPsf] 5 . a}+lsË kx'Fr gk'u]sf u|fdL0f If]qx¿df, zfvfx¿ ;~rfngdf NofPsf] 5 . ljleGg ;fdflhs ;+3–;+:yfx¿nfO{ sfo{qmd k|fof]hg, tyf k|j¢{GffTds lqmofsnfk dfkm{t, cfly{s, ef}lts, tyf g}lts ;xof]u ub}{ cfO{/x]sf] 5 . @)&@, a}zfv !@ ut]sf] ljgf;sf/L e"sDkaf6 k|efljt ePsf hgtfx¿sf] /fxtsf nfuL k|wfgdGqL /fxtsf]ifsf] vftfdf, o;sf] tkm{af6 ?= !) nfv & xhf/ && ?k}of / )$ k};f hDdf ul/Psf] 5 . n3'ljQ ;]jfdf cfj4 u|fxsx¿nfO{, cf=j= @)&!÷)&@ df, k|fs[lts k|sf]k /fxt sfo{qmd cGtu{t @)&@, a}zfv !@ ut]sf] e"sDkaf6 ePsf] Iflt jfkt ?= ^( nfv ** xhf/ * ;oÙ af9L, klx/f], cfunfuL, r6\ofË cflbaf6 ePsf Ifltx¿sf] ;xof]u :j?k ¿= #! nfv @! xhf/ % ;o %( ljt/0f ul/Psf] 5 . ;b:ox¿sf] klxnf] b'O{ k6ssf] ;'Ts]/L vr{ jfkt ¿= @( nfv $^ xhf/Ù ;b:o :jo+sf] d[To' eP jfkt ¿= %! nfv #) xhf/ @ ;o #) shf{ ldgfxÙ / ;b:ox¿sf] cleefjsx¿sf] d[To' eP jfkt, sfhlqmof vr{ :j?k ?= !) nfv $@ xhf/ % ;o u/L s'n ?= ! s/f]8 (@ nfv @( xhf/ *( a/fa/sf] ;xof]u k|bfg u/L ;s]sf] 5 .

^= cf}Bf]lus tyf Joj;flos ;DaGw Mo; ljsf; a}Fsn] cfˆgf] sf/f]af/;+u}, k|ToIf, jf ck|ToIf ¿kdf, ;DalGwt kIfx¿ h:t}M Uf|fxsx¿, Joj;flos Pj+ cf}Bf]lus k|lti7fgx¿, ;+3–;+:yfx¿, g]kfn /fi6« a}Fs, sDkgL /lhi6«f/sf] sfof{no, tyf ljleGg ;/sf/L, / u}/ ;/sf/L lgsfox¿;+u, ;f}xfb{k"0f{ tyf Joj;flos ;DaGw sfod /fVb} cfPsf] 5 . b]z tyf ljb]zaf6 k|fKt x'g] /]ld6\ofG; sf/f]af/nfO{, o;sf ;a} zfvfx¿af6 ;xh, / ;/n tl/sfaf6 e'QmfgL lbg] sfd u/L /x]sf] 5 .



7

&= cfGtl/s lgoGq0f k|0ffnL M o; ljsf; a+}ssf] sf/f]af/ tyf sfo{If]q lj:tf/ eP adf]lhd, o;n] hf]lvd Go"gLs/0fsf

nflu, k|efjsf/L k|0ffnLsf] ljsf; ub}{ cfO{/x]sf] 5 . ljleGg lgods lgsfox¿sf] kl/lw leq

/xL, cfGtl/s ;"rgf k|0ffnL, cfGtl/s n]vfk/LIf0f ;ldlt, jfXo n]vfk/LIfs, o;sf gLlt–

lgod, lgb]{lzsfx¿sf] kfngf, / sfof{GjogÙ ljQLo If]qx¿sf] e/kbf{, / ax'k|rlnt a+}lsË

;km\6j]o/x¿, / cfw'lgs k|ljlwx¿ h:t}M CC Camera, cUgL lgoGqs oGq, l8hL6n xflh/L

d]lzg, ;DklQ Joj:yfkg ;km\6j]o/, cflbsf] k|of]u ub}{, cfkm\gf] cfGtl/s lgoGq0f k|0ffnLnfO{

r':t, b'?:t, / :t/f]GgtL ub}{ NofPsf] 5 . o;n] cfˆgf] sf/f]af/x¿nfO{ yk r':t, / cBfjlws

/fVg, cfGtl/s n]vfk/LIf0f sfo{, / sfof{no cg'udg ug{sf nflu, cfjZostf cg';f/sf] bIf

hgzlQmsf] Joj:yfkg u/]sf] 5 .

*= n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP, ;f] pk/ ;~rfns ;ldltsf k|ltlqmofx¿ M o; ljsf; a}Fssf] lgoldt sfo{;Dkfbgsf qmddf ePsf ;fdfGo sdL–sdhf]/Lx¿ jfx]s, g]kfn /fi6« a}Fssf] gLlt–lgb]{zg, sDkgL /lhi6«f/sf] sfof{no, tyf g]kfnsf] k|rlnt sfg"g ljk/Lt x'g] u/L, s'g}klg sfo{ u/]sf] l6Kk0fL pNn]v 5}g . sfo{ ;Dkfbg ubf{ ePsf ;fdfGo sdL sdhf]/Lx¿, n]vfk/LIf0f k|ltj]bgdf pNn]v ul/Psf 5g\ . n]vfk/LIfsn] lbPsf ;'emfjx¿sf] sfo{Gjog ug{sf nflu, Joj:yfkgnfO{ cfjZos lgb]{zgx¿ lbO;lsPsf] 5, / clwsf+z ;'emfjx¿ sfof{Gjog eO;s]sf] hfgsf/L, Joj:yfkgaf6 k|fKt ePsf] 5 .

(= ;~rfns ;ldltdf ePsf] x]/km]/ M kfFrf+} ;fwf/0f ;efaf6 ;j{–;Ddltn] rog ePsf, ;+:yfks ;d"xaf6 % hgf, / ;j{;fwf/0f ;d"xaf6 # hgf u/L, s'n * hgfsf] ;~rfns ;ldlt dWo], ;j{;fwf/0f ;d"xsf] l/Qm :yfgdf ldlt @)&@, >fj0f !# ut]sf] ;~rfns ;ldltsf] a}7sn], wf}nflu/L c~rn, afUn'Ë lhNnf, n]vfgL uf=lj=;=, j8f g+=–#, :yfoL 7]ufgf eO{, xfn kf]v/f pkdxfgu/kflnsf j8f g+=–*, l;dnrf}/ a:g] >L k'?iff]Qdsf] gftL, >L ltnf]rgsf]] 5f]/f, jif{ $) sf, >L r'8fdl0f s8]nnfO{ lgo'Qm ul/Psf] 5 . ;fy}, o; ljsf; a}Fssf] kfFrf}+ ;fwf/0f ;efaf6, ;j{;fwf/0f ;]o/wgLx¿sf] tkm{af6, ;~rfns kbdf k|ltlglwTj ug'{ ePsf, ;~rfns ;b:o, >L huth+u lh=;L=n], ;+:yfut ;'zf;g ljkl/t sfo{ ug'{sf ;fy} lagf ;"rgf ;~rfns ;ldltsf] a}7sdf nuftf/ tLg k6s eGbf a9L cg'kl:yt /xg' ePsf]n], g]kfn /fi6« a}Fsaf6 hf/L O=k|f=lgb]{zg, )^÷)&@ sf] ;+:yfut ;'zf;g ;DaGwL Joj:yfsf] a'Fbf g+= !! df Joj:yf eP adf]lhd, ;~rfns ;ldltsf], ldlt @)&@, d+l;/ @( ut]sf], !$& cf}+ a}7saf6, lghsf] kb :jtM l/Qm ePsf] lg0f{o u/L, ;DalGwt lgsfodf hfgsf/L u/fOPsf] 5 .



8

!)= gfkmf–gf]S;fg, afF8kmfF6 lx;fj, / nfef+z afF8kmfF6 ug{ l;kmfl/; ul/Psf /sdx¿ Mxfn sfod r'Qmf k"FhL ?= ^$ s/f]8 @% xhf/sf] #! k|ltztsf] b/n], ?= !(,*$,)&,&%)÷)) -cIf/]kL pGgfO; s/f]8 rf}/f;L nfv ;ft xhf/ ;ft ;o krf; dfq_ / ;f]sf] s/ k|of]hgfy{ !=^# k||ltzt -jf]g; ;]o/sf] s/ k|of]hgfy{ gub nfe+fz_ n] x'g cfpg] /sd ?= !,)$,$@,%!#÷)) -cIf?kL Ps s/f]8 rf/ nfv aofln; xhf/ kfFr ;o t]x| dfq_ u/L, hDDff #@=^# k|ltztn] x'g cfpg] /sd ?=@),**,%),@^#÷)) -cIf/]kL aL; s/f]8 c7f;L nfv krf; xhf/ b'O{ ;o lq;¶L dfq_ nfe+fz ljt/0fsf nflu, ;~rfns ;ldltsf] !$^cf+} a}7saf6 l;kmf/L; ul/Psf] 5 . o; gjf}+ jflif{s ;fwf/0f ;efn] kfl/t u/] kZrft, o;sf] r'Qmf k"FhL ¿= *# s/f]8 *$ nfv #@ xhf/ k'Ug]5 . cfly{s ljw]os @)&@ sf] bkmf $& jdf]lhd (Acquisition/Merger) k|lqmofx¿af6 PsLs[t sf/f]af/ ug]{ ;+:yfx¿nfO{, jf]g; ;]o/ ljt/0f jfkt s/ k|of]hgfy{ 5'§fOPsf] /sdsf] 5'6 kfpg] Joj:yf /x]sf]n], ;]o/wgLx¿nfO{ gub nfef+z ljt/0f ug{, g]kfn /fi6« a}Fsaf6 :jLs[t lng] Joj:yf ldnfOg]5 .

!!= ;]o/ hkmt ePsf] eP, ;f]sf ljj/0fx¿ Mo; sDkgLsf] cf=j= @)&!÷)&@ df s'g} klg ;]o/ hkmt ePsf] 5}g .

!@= ljut cf=j=df sDkgL, / o;sf] ;xfos sDkgLn] u/]sf k|ultx¿ Mo; sDkgLsf]] xfn ;Dd s'g} klg ;xfos sDkgL g/x]sf] .

!#= sDkgL tyf o;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf k|d"v sf/f]af/x¿, / ;f]df cfPsf dxTjk"0f{ kl/jt{gx¿ M s]xL gePsf] .

!$= ljut cfly{s jif{df ljQLo ;+:yfsf cfwf/e"t ;]o/wgLx¿n] o;nfO{ pknAw u/fPsf hfgsf/Lx¿, / o;sf] ;]o/ sf/f]af/df lghx¿ ;+nUg /x]sf] eP, ;f] ;DaGwdf lghx¿af6 sDkgLn] k|fKt u/]sf hfgsf/Lx¿ M s]xL gePsf] .

!%= ljut cfly{s jif{x¿df ljQLo ;+:yfsf ;~rfns tyf kbflwsf/Lx¿n] lnPsf ;]o/ :jfldTjsf ljj/0fx¿ M s]xL gePsf] .

!^= ljut cf=j=df o; ljsf; a}Fs;+u ;DalGwt ;Demf}tfx¿df, s'g} ;~rfns tyf lghsf] glhssf] gft]bf/x¿sf] JolQmut :jfy{ ;DaGwL hfgsf/Lx¿ M s]xL gePsf] .



9

!&= cfˆgf] ;]o/ cfkm}n] vl/b u/]sf] eP, ;f]sf ljj/0fx¿ M sDkgLn] cfˆgf] ;]o/ cfkm}n] vl/b u/]sf] 5}g .

!*= cf=j= @)&!÷)&@ sf] s'n Joj:yfkg vr{ ;DaGwL ljj/0fx¿ M sd{rf/L vr{ M ?= !##,$(!,^^#÷– sfof{no ;~rfng vr{ M ?= (%,$@&,!$^÷– s"n Joj:yfkg vr{ M ?= @@*,(!*,*)(÷–

!(= n]vfk/LIf0f ;ldltsf ;b:ox¿sf] gfd, lghx¿n] k|fKt u/]sf kfl/>lds, eQf tyf ;'ljwfx¿ MGffd kb Kf|lt a}7s eQf -?=_>L lvd k|sfz dNn – ;~rfns ;+of]hs @,)))÷–

>L hgs zdf{ ;b:o @,)))÷–

cfGtl/s n]vfk/LIf0f ljefu k|d'v ;b:o ;lrj –cf=j= @)&!÷)&@ df, n]vfk/LIf0f ;ldltsf kbflwsf/Lx¿nfO{ a}7s eQf jfkt s'n ?= @),)))÷– e'QmfgL ul/Psf] 5 .

@)= ;~rfns, sfo{sf/L k|d'v, sDkgLsf ;+:yfks ;]o/wgL, jf lghsf] glhssf gft]bf/x¿n] sDkgLnfO{ a'emfpg afFsL /sdx¿ M s]xL gePsf] .

@!= ;~rfnsx¿, / k|d'v sfo{sf/L clws[tnfO{ e'QmfgL ul/Psf kfl/>lds, eQf tyf ;'ljwfx¿ M-s_ ;~rfnsx¿nfO{ k|bfg ul/Psf kfl/>lds, eQf tyf ;'ljwfx¿ M

;~rfnssf] gfd kb k|lt a}7s eQf -?=_ a}7s ;+Vof /sd -?=_

>L dLg k|;fb u'?Ë cWoIf $,)))÷– !$ %^,)))÷–

>L k|sfz k|;fb >]i7 ;~rfns $,)))÷– !$ %^,)))÷–

>L lvd k|sfz dNn ;~rfns $,)))÷– !@ $*,)))÷–

>L l8NnL/fd ltjf/L ;~rfns $,)))÷– !! $$,)))÷–

>L /fd k|;fb kf]v/]n ;~rfns $,)))÷– !$ %^,)))÷–

>L Gff/fo0f k|;fb kf}8]n ;~rfns $,)))÷– !$ %^,)))÷–

>L huth+u lh=;L= ;~rfns $,)))÷– ( #^,)))÷–

cf=j= @)&!÷)&@ df, a}7s eQf :j?k ;~rfnsx¿nfO{ s'n ?= # nfv %@ xhf/, / 6]lnkmf]g tyf kqklqsf vr{ :j?k ?= *$,)))÷– e'QmfgL ul/Psf] 5 .



10

-v_ k|d'v sfo{sf/L clws[tnfO{ dfl;s ?kdf k|bfg ul/Psf kfl/>lds, eQf tyf ;'ljwfx¿ M

ljj/0f /sd -?=_

cfwf/e't tnj #,)),)))÷–

;+ro sf]if #),)))÷–

Dffl;s eQf %),)))÷–

3/ ef8f #%,)))÷–

df]jfOn 6]lnkmf]g ljn cg';f/

e|d0f eQf, k|lt lbg ?= @,%)). -:j]bzdf_,!)) cd]l/sL 8n/ -;fs{ /fi6«_, !%) cd]l/sL 8n/ -cGo /fi6«_

cGo ;'ljwf ;jf/L ;fwg, rfns, / Ps hgf ;xof]uL .

@@= ;]o/wgLx¿n] a'emL lng afFsL /x]sf] nfef+z /sd M ?= @*,($,&^#÷$)

@#= bkmf !$! adf]lhd, ;DklQ vl/b, jf lalqm u/]sf ljj/0fx¿ M s]xL gePsf] .

@$= bkmf !&% adf]lhd, ;Da¢ sDkgL aLr ePsf sf/f]af/x¿sf ljj/0fx¿ M s]xL gePsf] .

@%= cGo ljj/0fx¿ Mo; P]g tyf k|rlnt sfg"g adf]lhd, ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo ljj/0fx¿, o;} k|ltj]bgdf pNn]v ul/Psf 5g\ .

s[t1tf 1fkg M cGTodf, o; ljsf; a}Fssf] sf/f]af/ a[l¢, ;'b[l9s/0f, Pj+ k|ultdf, k|ToIf–ck|ToIf ¿kdf

;xof]u k'¥ofpg' x'g] ;Dk"0f{ u|fxsju{, ;]o/wgL dxfg'efjx¿, g]kfn /fi6« a}Fs, sDkgL /lhi6«f/sf]

sfof{no, g]kfn lwtf]kq af]8{, g]kfn :6s PS;r]Gh, NIBL Capital Markets Ltd., a}Fs tyf

ljQLo ;+:yfx¿, ljleGg ;/sf/L tyf u}/ ;/sf/L lgsfox¿, cflbaf6 k|fKt ;xof]u, ;'emfj,

/ of]ubfg k|lt, ;~rfns ;ldltsf tkm{af6 xflb{s cfef/, tyf s[t1tf JoQm ub{5' . o;sf]

Joj:yfkg sfo{df ;+nUg /xL, pGglt, / k|ultdf cxf]/fq v6\g'x'g] ;~rfns ;b:ox¿, o;sf

sfo{sf/L k|d'v nufot, cfwf/:tDesf] ¿kdf /xg'ePsf ;Dk"0f{ sd{rf/Lx¿sf] lgi7fk"0f{

nugzLntfsf] klg pRr d"NofÍg ub}{, pxfFx¿ ;a}nfO{ wGojfb lbg rfxG5' . ;fy} ;Dk"0f{



11

sd{rf/Lx¿n] eljiodf klg pRr dgf]jnsf ;fy cfkm\gf] st{Jodf lgi7fjfg eO{, sfo{ ug'{

x'g]5 eGg] ljZjf; lnPsf] 5' . o; ;+:yfnfO{ ljZjf;sf ;fy nufgL u/L, o;sf] ljsf;, /

lj:tf/df xft]dfnf] ug'{ ePsf]df, ;Dk"0f{ cfb/0fLo ;]o/wgL dxfg'efjx¿nfO{ xflb{s s[t1tf

k|s6 ub{5' . n]vfk/LIf0f sfo{åf/f o;sf] hf]lvd Go"gLs/0fdf ;xof]u k'¥ofpg' x'g] Pd= ltjf/L

P08 P;f]l;P6\;nfO{ klg xflb{s wGojfb lbg rfxG5' . o; ;+:yfsf] VoftL j[l4df ;xof]u

k'¥ofpg' x'g] cfd gful/sx¿, o;sf ;/f]sf/jfnfx¿, ;~rf/ dfWod, tyf ;~rf/sdL{x¿

k|lt xflb{s wGojfb JoQm ub{5' . z'elrGtsx¿af6 k|fKt ePsf] ;xof]u, ;'emfj, / dfu{bz{g

clj:d/0fLo /x]sf] 5 . eljiodf klg yk ;xof]u Pj+ ;lqmotfsf] ck]Iff /fVb}, o;sf] pGglt,

/ k|ultdf oxfFx¿ ;a}n] k'¥ofpg' ePsf] ljlzi6 of]ubfg k|lt cfef/ k|s6 ub{5' . ;fy}

xfdLnfO{ ;]jf ug{ dxTjk"0f{ cj;/ k|bfg ug'{x'g] ;d:t ;Ddflgt u|fxsju{x¿nfO{ ljz]if

wGojfb lbg rfxG5' .

ho d'lQmgfy Û



12



13



14

d'lQmgfy ljsf; a}“s lnld6]8@)&@ ;fn, cfiff9 d;fGtsf]

jf;nftqm=;+= kF"hL tyf bfloTj cg';"rL rfn' cf=j= -?=_ ut cf=j= -?=_!= ;]o/ kF"hL 4=1 838,432,750 507,150,000

@= hu]8f tyf sf]ifx¿ 4=2 133,613,210 88,637,682

#= C0f kq tyf aG8 4=3 - -

$= ltg{ afFFsL shf{ ;fk6 4=4 27,470,000 98,150,000

%= lgIf]k bfloTj 4=5 7,781,557,593 5,197,885,492

^= e'QmfgL lbg'kg]{ lanx¿ 4=6 - -

&= k|:tfljt nfef+z 10,442,513 7,350,000

*= cfos/ bfloTj - 4,380,124

(= cGo bfloTj 4=7 208,955,494 125,881,893

s'n bfloTj 9,000,471,560 6,029,435,191

qm=;+= ;DklQ cg';"rL rfn' cf=j= -?=_ ut cf=j= -?=_!= gub df}Hbft 4=8 226,585,646 139,462,395

@ g]kfn /fi6« a}Fsdf /x]sf] df}Hbft 4=9 475,269,995 247,897,351

#= a}Fs ljQLo ;+:yfdf /x]sf] df}Hbft 4=10 13,499,746 12,761,326

$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 4=11 1,410,411,043 1,062,645,388

%= nufgL 4=12 103,471,549 85,768,943

^= shf{ ;fk6 tyf lan vl/b 4=13 6,625,259,805 4,377,596,103

&= l:y/ ;DklQ 4=14 96,468,245 66,816,148

*= u}/ a}+lsË ;DklQ 4=15 - -

(= cGo ;DklQ 4=16 49,505,531 36,487,537

s'n ;DklQ 9,000,471,560 6,029,435,191

;+efljt bfloTj cg';"rL $=!&

;+rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L / ;]o/xf]N8/x¿nfO{ uPsf] shf{ ;fk6sf] ljj/0f cg';"rL $=@(

k"FhLsf]if tflnsf cg';"rL $=#)

hf]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL $=#)-s_

k|d'v ;"rsfÍx¿ cg';"rL $=#!

k|d'v n]vf gLltx¿ cg';"rL $=#@

n]vf ;DaGwL l6Kk0fLx¿ cg';"rL $=##

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

xfd|f] cfhsf] ldltsf] ;+nUg k|ltj]bg adf]lhd

====================jL/]Gb| /fh ef6n]vf k|d'v

====================k|sfz k|;fb >]i7

;+rfns

======================e/t /fh 9sfn

k|d'v sfo{sf/L clws[t

======================lvd k|sfz dNn

;+rfns

===================dLg k|;fb u'?Ë

cWoIf

==================/fd k|;fb kf]v/]n

;+rfns

=========================l;=P= d'/nLw/ ltjf/Lrf6{8{ PsfpG6]G6;\

=====================l8NnL/fd ltjf/L

;+rfns

ldlt M @)&@.)&.!&:yfg M kf]v/f

=====================gf/fo0f k|;fb kf}8]n

;+rfns

=====================r'8fdl0f s8]n

;+rfns

=====================huth+u lh=;L=

;+rfns



15

d'lQmgfy ljsf; a}“s lnld6]8ldlt @)&! ;fn, >fj0f ! ut] b]lv @)&@ ;fn, cfiff9 d;fGt ;Ddsf]

gfkmf–gf]S;fg lx;fjqm=;+= ljj/0f cg';"rL rfn' cf=j= -?=_ ut cf=j= -?=_!= Jofh cfDbfgL 4=18 836,242,925 613,759,151

@ Jofh vr{ 4=19 350,796,223 286,956,149

v'b Jofh cfDbfgL 485,446,702 326,803,002

#= sldzg tyf l8:sfp06 4=20 12,372,298 9,075,676

$= cGo ;~rfng cfDbfgL 4=21 91,064,724 80,416,072

%= ;6xL 36a9 cfDbfgL 4=22 - -

s'n ;~rfng cfDbfgL 588,883,724 416,294,750

^= sd{rf/L vr{ 4=23 133,491,663 90,433,151

&= cGo ;~rfng vr{ 4=24 95,427,146 76,990,299

*= ;6xL 36a9 gf]S;fg 4=22 - -

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 359,964,915 248,871,300

(= ;Defljt gf]S;fgL Joj:yfx¿ 4=25 29,505,431 21,579,136

;~rfng d'gfkmf 330,459,484 227,292,164

!)= u}/ ;~rfng cfDbfgL÷-gf]S;fg_ 4=26 2,191,095 7,977,700

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 4=27 14,381,177 3,344,999

lgoldt sf/f]af/af6 ePsf] d'gfkmf 347,031,756 238,614,863

!@= c;fdfGo sf/f]af/x¿af6 ePsf] d'gfkmf÷vr{ 4=28 - -

;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v'b d'gfkmf 347,031,756 238,614,863

!#= sd{rf/L jf]g; Joj:yf 31,548,341 21,692,260

!$= cfos/ Joj:yf 97,839,083 65,077,430

o; jif{sf] 98,970,114 66,338,533

ut jif{sf] - 175,562

:yug ul/Psf] s/ vr{÷-cfDbfgL_ (1,131,031) (1,436,665)

v'b gfkmf÷gf]S;fg 217,644,332 151,845,173$=!* b]]lv $=@* ;Ddsf cg';"rLx¿ Gffkmf gf]S;fg lx;fjsf cleGg c+u x'g\ .


====================jL/]Gb| /fh ef6n]vf k|d'v

====================k|sfz k|;fb >]i7

;+rfns

======================e/t /fh 9sfn


======================lvd k|sfz dNn

;+rfns

===================dLg k|;fb u'?Ë

cWoIf

==================/fd k|;fb kf]v/]n

;+rfns


=====================l8NnL/fd ltjf/L

;+rfns


=====================gf/fo0f k|;fb kf}8]n

;+rfns

=====================r'8fdl0f s8]n

;+rfns

=====================huth+u lh=;L=

;+rfns



16

d'lQmgfy ljsf; a}“s lnld6]8gfkmf–gf]S;fg afF8kmfF6 lx;fj

ldlt @)&! ;fn, >fj0f ! ut] b]lv @)&@ ;fn, cfiff9 d;fGt ;Ddsf]qm=;+= ljj/0f cg'';"rL o; jif{ -?=_ ut jif{ -?=_

cfDbfgL != ut jif{ ;Ddsf] ;+lrt d'gfkmf 1,339,385 13,743,695

@= o; jif{sf] d'gfkmf 217,644,332 151,845,173

#= ;fljssf] l;les 8]enkd]G6 a}Fs ln=af6 gfKfmf 7,397,395

$ ;fljssf] l;les 8]enkd]G6 a}Fs ln=af6 k"FhLut hu]8f sf]if 9,000,000

% ;6xL 36a9 sf]if - -

^ ;]o/ lk|ldod 19,889,030 15,198,024

hDdf 255,270,142 180,786,892

vr{

!= ut jif{ ;Ddsf] ;+lrt gf]S;fg - -

@= o; jif{sf] gf]]S;fg - -

#= ;fwf/0f hu]8f sf]if 43,528,866 30,369,035

$= e}k/L cfpg] hu]8f - -

%= ;+:yf ljsf; sf]if - -

^= nfef+z ;dLs/0f sf]if -

&= sd{rf/L ;DaGwL hu]8fx¿ - -

*= k|:tfljt nfef+z 10,442,513 7,350,000

(= k|:tfljt jf]g; ;]o/ hf/L 198,407,750 139,650,000

!)= ljz]if hu]8f sf]if - -

!!= ;6xL 36a9 sf]if - -

!@= k"FhL lkmtf{ hu]8f sf]if - -

!#= k"FhL ;dfof]hg sf]if - -

!$= g]=/f=a}Fs sf] lgb]{zg adf]lhd ;dfof]hg - -

!%= nufgL ;dfof]hg sf]if (173,404) 641,807

!^= :yug s/ hu]8f sf]if - 1,436,665

hDdf 252,205,725 179,447,507

;l~rt d'gfkmf÷-gf]]S;fg_ 3,064,417 1,339,385


====================jL/]Gb| /fh ef6n]vf k|d'v

====================k|sfz k|;fb >]i7

;+rfns

======================e/t /fh 9sfn


======================lvd k|sfz dNn

;+rfns

===================dLg k|;fb u'?Ë

cWoIf

==================/fd k|;fb kf]v/]n

;+rfns


=====================l8NnL/fd ltjf/L

;+rfns


=====================gf/fo0f k|;fb kf}8]n

;+rfns

=====================r'8fdl0f s8]n

;+rfns

=====================huth+u lh=;L=

;+rfns



17

d'lQmgfy ljsf; a}“s lnld6]8gub k|jfx ljj/0f

ldlt @)&! ;fn, >fj0f ! ut] b]lv @)&@ ;fn, cfiff9 d;fGt ;Ddsf]

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_= -s_ sf/f]af/ ;~rfngaf6 gub k|jfx 205,758,300 30,385,925

!= gub k|flKt 939,493,064 703,061,012

!=! Jofh cfDbfgL 836,242,925 613,759,151

!=@ sdLzg tyf l8isfpG6 cfDbfgL 12,185,415 8,885,789

!=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL - -

!=$ ckn]lvt shf{sf] c;"nL - -

!=% cGo cfDbfgL 91,064,724 80,416,072

@= gub e'QmfgL 654,454,687 484,728,018

@=! Jofh vr{ 312,800,702 264,848,601

@=@ sd{rf/L vr{ 128,565,112 88,644,572

@=# sfof{no ;+rfng vr{ 73,847,471 56,857,275

@=$ cfos/ e'QmfgL 117,549,142 60,328,762

@=% cGo vr{ 21,692,260 14,048,808

sfo{ut k"FhL ultljlw cl3sf] gub k|jfx 285,038,377 218,332,994

;~rfng ;DaGwL rfn' ;DklQdf sdL÷-j[l4_M (2,621,336,281) (1,571,618,986)

!=dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_

(347,765,655) (123,849,151)

@= cGo cNksfnLg nufgLdf sdL÷-j[l4_ (17,702,606) (32,090,335)

#= shf{ tyf ljN; v/Lbdf sdL÷-j[l4_ (2,262,757,797) (1,398,017,992)

$= cGo ;DklQdf sdL÷-j[l4_ 6,889,777 (17,661,508)

;~rfng ;DaGwL rfn' bfloTjdf -sdL_÷j[l4 2,542,056,204 1,383,671,917

!= lgIf]k bfloTjdf -sdL_÷j[l4 2,583,672,101 1,535,072,688

@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 - -

#= cNksfnLg ;fk6Ldf -sdL_÷j[l4 (70,680,000) (150,680,000)

$= cGo bfloTjdf -sdL_÷j[l4 29,064,103 (720,771)

-v_ nufgL sf/f]af/df gub k|jfx (35,938,015) (22,129,019)

!= bL3{sfnLg nufgLdf sdL÷-j[l4_ - -

@= l:y/ ;DklQdf sdL÷-j[l4_ (51,231,772) (29,431,872)

#= bL3{sfnLg nufgLdf Jofh cfDbfgL - -



18

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_= $= nfef+z cfDbfgL 2,515,718 7,302,853

%= cGo 12,778,039 -

-u_ ljQLo >f]t sf/f]af/af6 gub k|jfx 145,414,030 35,190,407

!=bL3{sfnLg C0f -j08, l8j]Gr/ cflb_ df j[l4÷-sdL_

- -

@= z]]o/ kF"hLdf j[l4÷-sdL_ 132,875,000 37,616,350

#= z]]o/ lk||ldoddf j[l4÷-sdL_ 19,889,030 15,198,024

$= cGo bfloTjdf j[l4 ÷-sdL_ (7,350,000) (17,623,967)

%=g]kfn /fi6« a}Fsaf6 k|fKt ;x'lnot÷k"gs{hf{df j[l4÷-sdL_

-3_gub tyf a}Fs df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{

- -

-ª_ o; jif{sf] ;Dk"0f{ ultljlwx¿af6 gub k|jfx 315,234,315 43,447,313

-r_ gub tyf a}Fsdf /x]sf] z'? Dff}Hbft 400,121,072 356,673,759

-5_ gub tyf a}Fsdf /x]sf] clGtd df}Hbft 715,355,387 400,121,072


====================jL/]Gb| /fh ef6n]vf k|d'v

====================k|sfz k|;fb >]i7

;+rfns

======================e/t /fh 9sfn


======================lvd k|sfz dNn

;+rfns

=====================gf/fo0f k|;fb kf}8]n

;+rfns

=====================r'8fdl0f s8]n

;+rfns

===================dLg k|;fb u'?Ë

cWoIf

==================/fd k|;fb kf]v/]n

;+rfns


=====================l8NnL/fd ltjf/L

;+rfns


=====================huth+u lh=;L=

;+rfns



19

d'lQ

mgfy

ljs

f; a

}“s ln

ld6]8

OSjL6Ldf

ePs

f] kl/j

t{g ;

DaGw

L ljj/

0fc

f=j= @)

&!.)

&@-?

= df

_

ljj/

0f;]o/

k"FhL

;l~rt

gf=g

f]= ;fw

f/0f

hu]8

f sf]if

k"+Flhut

hu]8

f sf]if

;]o/

lk|ld

od

;6x

L 36a

9 sf]if

:yug

s/

hu]8

f

nuf

gL

;dfo

f]hg

sf]if

cGo

hu]8

f ty

f sf]if

s'n /

sd

z'?

Dff}Hbft

507,

150,

000

1,33

9,38

578

,101

,952

--

-7,

632,

791

1,56

3,55

4-

595,

787,

682

ut j

if{sf]

;dfo

f]hg

-

;flj

ssf] l;

les

8]enkd

]G6 a

}Fs

ln=a

f641,

000,

000

7,39

7,39

54,8

53,9

949,

000,

000

788,6

15-

-52

3,57

9-

63,5

63,5

83

;dfo

f]hg

-

--

--

--

--

k'g:y

flkt

df}Hbft

548,1

50,0

008,7

36,7

80

82,

955,

946

9,00

0,00

078

8,6

15-

7,63

2,79

12,

087,

133

-65

9,35

1,26

5

;Dk

lQ

k'gd{"No

fÍgd

f gf

kmf÷

gf]S;

fg-

--

--

--

- -

-

nufg

L k'g

d{"No

fÍgd

f gf

kmf÷

gf]S;

fg-

--

--

--

- -

-

o; j

if{sf] v'b

gfkmf

-21

7,64

4,3

32-

--

--

- -

217,

644,3

32

gub

nfe

f+z-

(10,

442,

513)

--

--

--

-(1

0,442,

513)

;fw

f/0f h

u]8f

sf]if

-(4

3,52

8,8

66)

43,

528,8

66-

--

--

--



20

ljj/

0f;]o/

k"FhL

;l~rt

gf=g

f]= ;fw

f/0f

hu]8

f sf]if

k"+Flhut

hu]8

f sf]if

;]o/

lk|ld

od

;6x

L 36a

9 sf]if

:yug

s/

hu]8

f

nuf

gL

;dfo

f]hg

sf]if

cGo

hu]8

f ty

f sf]if

s'n /

sd

;]o/

k"FhLs

f] lgis

fzg

91,8

75,0

00-

--

-

--

-91

,875

,000

;]o/

lk|ldod

--

--

19,1

00,4

15-

--

-19

,100

,415

k"FhL ;dfo

f]hg

sf]if

--

--

--

- -

--

k|:tflj

t j

f]g;

;]o/

hf/L

198,4

07,7

50(1

69,5

18,7

20)

-(9

,000

,000

)(1

9,889,

030)

--

--

-

nufg

L

;dfo

f]hg

sf]if

-17

3,404

--

--

-(1

73,4

04)

--

:yug

s/

hu]8f

--

--

--

(5,4

82,

539)

--

(5,4

82,

539)

clu

|d d

fu /

sd

--

--

--

--

--

clGt

d d

f}Hbft

838

,432

,750

3,06

4,4

1712

6,484,8

12-

--

2,15

0,25

21,

913,

729

-97

2,04

5,96

0


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

jL/]Gb|

/fh e

f6n]v

f k|d

'v

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

k|sfz

k|;f

b >]i

7;+r

fns

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

e/t

/fh 9

sfn

k|d'v

sfo

{sf/L

clw

s[t

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

lvd

k|sfz

dNn

;+rfn

s

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

gf/fo

0f k

|;fb

kf}8]n

;+rfn

s

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

r'8f

dl0f s

8]n;+r

fns

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

dLg

k|;fb u

'?Ë

cWo

If

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

/fd k

|;fb

kf]v

/]n;+r

fns

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

l;=P

= d'/

nLw

/ lt

jf/L

rf6{8{

Psfp

G6]G6

;\

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

l8Nn

L/fd

ltjf

/L;+r

fns

ldlt

M @

)&@.

)&.!&

:yfg M k

f]v/f

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

hut

h+u

lh=;

L=;+r

fns



21

d'lQmgfy ljsf; a}“s lnld6]8;]o/ k"FhL tyf :jfldTj

@)&@ ;fn, cfiff9 d;fGtsf]cg';"rL $=!

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_

!= ;]o/ kF"hL M

!=! clws[t kF"hL 1,000,000,000 1,000,000,000

-s_ !)),)),))) ;fwf/0f ;]o/, k|lt ;]o/ ?=!)) sf b/n]

1,000,000,000 1,000,000,000

-v_ ===gg\l/l8d]jn lk|km/]G; k|lt ;]o/ ?= ====n]

-u_ ===l/l8d]jn lk|km/]G; ;]o/ k|lt ;]o/ ?= ===n]

!=@ hf/L kF"hL 640,025,000 367,500,000

-s_ ^$,)),@%) ;fwf/0f ;]o/, k|lt ;]o/ ?=!)) sf b/n] ===ut jif{sf] #^,&%,))) ;fwf/0f ;]o/, k|lt ;]o/ ?=!)) sf b/n]

640,025,000 367,500,000

-v_ ====gg\l/l8d]jn lk|km/]G; ;]o/, k|lt ;]o/ ?= ====n]

-u_ ====l/l8d]jn lk|km/]G; ;]o/, k|lt ;]o/ ?= ====n]

!=# r'Qmf kF"hL 640,025,000 367,500,000

-s_ ^$,)),@%) ;fwf/0f ;]o/, k|lt ;]o/ ?=!)) sf b/n] ===ut jif{ #^,&%,))) ;fwf/0f ;]o/, k|lt ;]o/ ?=!)) sf b/n]

640,025,000 367,500,000

-v_ ==gg\l/l8d]]jn lk|km/]G; ;]o/, k|lt ;]o/ ?= ===sf b/n]

-u_ ====l/l8d]jn lk|km/]G; ;]o/, k|lt ;]o/ ?= ==sf b/n]

!=$ k|:tfljt jf]g; ;]o/ 198,407,750 139,650,000

!=% sN; Og P8efG; (Calls in Advance) - -

!=^ hDdf /sd -!=#±!=$±!=%_ 838,432,750 507,150,000



22

;]o/ :jfldTj

qm=;+= ljj/0f Ü o; jif{ ut jif{

!= :jb]zL :jfldTj M

!=! g]kfn ;/sf/ - - -

!=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx¿ - - -

!=# cGo Ohfhtkqk|fKt ;+:yfx¿ - - -

!=$ cGo ;+:yfx¿ - -

!=% ;j{;fwf/0f 100 640,025,000 245,000,000

!=^ cGo - - -

@= j}b]lzs :jfldTj - - -

hDdf 100 640,025,000 245,000,000

gf]6M dfly cg';"rLdf pNn]lvt ljj/0fx¿ cGtu{t, )=% k|ltzt jf ;f]eGbf a9L :jfldTj ePsf] JolQm÷;d"x÷kmd{{÷sDkgLx¿sf] gfd, k|ltzt, / /sd :ki6 v'Ng] ljj/0fx¿ ;+nUg ul/Psf] 5 .

d'lQmgfy ljsf; a}“s lnld6]8@)&@ ;fn, cfiff9 d;fGtsf]

lgDg ;]o/wgLx¿n] o; ;+:yfsf] s'n ;]o/sf] )=% k|ltzt, jf ;f] eGbf a9L ;]o/x¿ wf/0f u/]sf 5g\ M

qm=;+=

;]o/wgLsf] gfd, y/ 7]ufgf ;]o/ ;+Vofr'Qmf /sd

-?=_k|ltzt

1 ;'= s[i0fdfg >]i7 k'tnLahf/—!, :ofª\hf 164,433 16,443,300.00 2=57

2 >L ldgk|;fb u'?Ë sf]Ndf—^, :ofª\hf 163,000 16,300,000.00 2=55

3 >L vu]Gb| /fh /]UdL lvn'ªb]p/fnL—(, :ofª\hf 137,477 13,747,700.00 2=15

4 >L zfGtf zdf{ 9sfn kmfk/y'd—$, :ofª\hf 124,657 12,465,700.00 1=95

5 >L hutaGw' cof{n, k'tnLahf/—!@, :ofª\hf 111,179 11,117,900.00 1=74

6 >L xl/ axfb'/ u'?Ë sf]Ndf—^, :ofª\hf 104,830 10,483,000.00 1=64

7 >L uf]laGb u'?Ë sf]Ndf—^, :ofª\hf 104,830 10,483,000.00 1=64

8 >L lvd k|sfz dNn ;]vfd—@, :ofª\hf 94,577 9,457,700.00 1=48

9 >L k|sfz k|;fb >]i7 k'tnLahf/—$, :ofª\hf 88,057 8,805,700.00 1=38

10 >L efg'eQm 9sfn kmfk/y'd—$, :ofª\hf 86,769 8,676,900.00 1=36

11 >L eujtL /]UdL zdf{ k'tnLahf/—$, :ofª\hf 85,062 8,506,200.00 1=33



23

qm=;+=

;]o/wgLsf] gfd, y/ 7]ufgf ;]o/ ;+Vofr'Qmf /sd

-?=_k|ltzt

12 >L gf/fo0f s'df/ >]i7 a'9fy'd * wflbË 84,789 8,478,900.00 1=32

13 >L e/t/fh 9sfn kmfk/y'd—$, :ofª\hf 80,263 8,026,300.00 1=25

14 >L ?b| axfb'/ ljZjsdf{ k'tnLahf/—!, :ofª\hf 68,049 6,804,900.00 1=06

15 >L >LsfGt /]UdL lvn'ª b]p/fnL—(, :ofª\hf 67,990 6,799,000.00 1=06

16 >L e/t k|;fb nD;fn k'tnLahf/—!, :ofª\hf 67,990 6,799,000.00 1=06

17 >L kf]dgf/fo0f cof{n k'tnLahf/—!, :ofª\hf 62,570 6,257,000.00 0=98

18>L g/]z s'df/ zdf{ kf]v/]n

cf]/i6]–@, :ofª\hf 59,903 5,990,300.00 0=94

19 >L /fd k|;fb kf]v/]n;flas gofFkf6L–( sf] xfn sf=d=g=kf=–#, sf7df08f}

59,903 5,990,300.00 0=94

20 >L ljdnf zdf{ k'tnLahf/—&, :ofª\hf 59,823 5,982,300.00 0=93

21 >L z]/ axfb'/ /fgf k'tnLahf/—*, :ofª\hf 53,912 5,391,200.00 0=84

22 >L ;Ltf/fd sfkm\n] sf=d=kf=–#, sf7df08f} 53,762 5,376,200.00 0=84

23 >L k'0o k|;fb kf]v/]n k'tnLahf/ ^, :ofª\hf 49,910 4,991,000.00 0=78

24 >L w|'a/fh kf}8]n jfªl;ª, :ofª\hf 48,521 4,852,100.00 0=76

25 >L ;'o; kf}8]n larf/L rf}tf/f–$, :ofª\hf 44,927 4,492,700.00 0=70

26 >L uh]Gb|dfg >]i7 ljb'/ g=kf–(, g'jfsf]6 44,279 4,427,900.00 0=69

27 >L zfGtL cof{n lvn'Ëb]p/fnL–*, :ofª\hf 42,100 4,210,000.00 0=66

28 >L b08kf0fL zdf{ ;'a]bL km]bLvf]nf—&, :ofª\hf 41,704 4,170,400.00 0=65

29 >L lzj s'df/ clwsf/L k'tnLahf/—!@, :ofª\hf 40,558 4,055,800.00 0=63

30 >L sdn ;'j]bL kf]v/f —&, sf:sL 38,419 3,841,900.00 0=60

31 >L b08kfgL 9sfn kmfk/y'd—$, :ofª\hf 33,845 3,384,500.00 0=53

32 >L ;fljqL 9sfn k'tnLahf/ —!, :ofª\hf 33,845 3,384,500.00 0=53

33 >L 6+s s'df/ >]i7 lgns07 –%, wflbË 33,209 3,320,900.00 0=52



24

d'lQmgfy ljsf; a}“s lnld6]8hu]8f tyf sf]ifx¿

@)&@ ;fn, cfiff9 d;fGtsf]

cg';"rL $=@

qm= ;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_

!= ;fwf/0f hu]8f sf]if 126,484,812 78,101,952

@= kF"hLut hu]8f sf]if - -

#= Soflk6n l/l8Dk;g\ l/he{ - -

$= k"FhL ;dfof]hg sf]if - -

%= cGo hu]8f tyf sf]if - -

s= e}k/L cfpg] hu]8f - -

v= ;+:yf ljsf; sf]if - -

u= nfef+z ;lds/0f sf]if - -

3= ljz]if hu]8f sf]if - -

ª= ;DklQ k"gd"{NofÍg sf]if - -

r= :yug s/ hu]8f 2,150,252 7,632,791

5= nufgL ;dfof]hg sf]if 1,913,729 1,563,554

h= cGo :jtGq sf]if - -

em= cGo hu]8f sf]if - -

^= ;l~rt gfkmf÷gf]S;fg 3,064,417 1,339,385

&= ;6xL 36a9 sf]if - -

hDdf 133,613,210 88,637,682



25

d'lQmgfy ljsf; a}“s lnld6]8C0fkq tyf j08


cg';"rL $=#

qm=;+= ljj/0fo; jif{ -?=_

ut jif{ -?=_

!= ======================= - -

==========k|ltzt j08÷C0fkq, k|lt j08÷C0f=====?=== 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 -!+@_ - -

d'lQmgfy ljsf; a}“s lnld6]8ltg{ afFsL shf{ -;fk6L_


cg';"rL $=$

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_s= :jb]zLM M

!= g]kfn ;/sf/ - -

@= g]kfn /fi6« a}Fs - -

#= l/kf] bfloTj - -

$= cGt/ a}Fs tyf ljQLo ;+:yfx¿ 27,470,000 98,150,000

%= cGo ;+ul7t ;+:yfx¿ - -

6= cGo - -

hDdf 27,470,000 98,150,000

v= ljb]zL M

!= a}Fsx¿ - -

@= cGo - - hDdf - -

hDdf -s+v_ 27,470,000 98,150,000



26

d'lQmgfy ljsf; a}“s lnld6]8lgIf]k lx;fj

@)&@ ;fn, cfiff9 d;fGtsf] cg';"rL $=%

qm= ;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= Jofh ltg{' gkg]{ vftfx¿

s= rNtL lx;fj 105,732,171 68,146,905

!= :jb]zL d'b|fdf 105,732,171 68,146,905

!=! g]kfn ;/sf/ - -

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

!=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ 13,739,250 7,398,970

!=$ cGo ;++ul7t ;+:yfx¿ 51,542,537 26,204,167

!=% JolQmut 40,450,384 34,543,768

!=^ cGo - -

@= ljb]zL d'b|fdf - -

@=! g]kfn ;/sf/ - -

@=@ æsÆ ju{sf Ohfhtkq k|fKt ;+:yfx¿ - -

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

@=$ cGo ;+ul7t ;+:yfx¿ - -

@=% JolQmut - -

@=^ cGo - -

v= dflh{g 1,605,000 550,000

!= sd{rf/L hdfgt - -

@= hdfgt dflh{g - -

#= k|lttkq dflh{g - -

$= cGo 1,605,000 550,000

u= cGo - -

!= :jb]zL d'b|fdf - -

!=! ljQLo ;+:yfx¿ - -

!=@ cGo ;+ul7t ;+:yfx¿ - -

!=# JolQmut - -


@=! ljQLo ;+:yfx¿ - -

@=@ cGo ;+ul7t ;+:yfx¿ - -

@=# JolQmut - -

Aofh ltg{' gkg]{ vftfx¿sf] hDdf 107,337,171 68,696,905



27


@= Aofh ltg{' kg]{ vftfx¿

s= art lx;fj 4,693,003,724 3,133,201,491

!= :jb]zL d'b|fdf 4,693,003,724 3,133,201,491

!=! ;+3 ;+:yfx¿ 17,580,797 15,402,503

!=@ JolQmut 4,675,422,927 3,117,798,988

!=# cGo - -


@=! ;+3 ;+:yfx¿ - -

@=@ JolQmut - -

@=# cGo - -

v= d'2tL lx;fj 1,753,726,592 1,045,903,346

!= :jb]zL d'b|fdf 1,753,726,592 1,045,903,346

!=! ;+3 ;+:yfx¿ 407,121,881 166,298,060

!=@ JolQmut 1,346,604,711 879,605,286

!=# cGo - -


@=! ;+3 ;+:yfx¿ - -

@=@ JolQmut - -

@=# cGo - -

u= dfu]sf] avt ltg{' kg]{ lx;fj 1,227,490,106 950,083,750

!= :jb]zL d'b|fdf 1,227,490,106 950,083,750

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

!=@ cGo O=k|f= ljQLo ;+:yfx¿ 558,531,173 832,425,940

!=# cGo ;+ul7t ;+:yfx¿ 625,097,695 94,475,982

!=$ JolQmut 43,754,078 23,081,558

!=% cGo 107,160 100,270


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

@=@ cGo O=k|f= ljQLo ;+:yfx¿ - -

@=# cGo ;+ul7t ;+:yfx¿ - -

@=$ JolQmut - -

@=% cGo - -

3= ;l6{lkms]6 ckm l8kf]lh6 - -

!= ;+ul7t ;+:yfx¿ - -

@= JolQmut - -

#= cGo - -

Jofh ltg{' kg]{ vftfx¿sf] hDdf 7,674,220,422 5,129,188,587

hDdf lgIf]k -!±@_ 7,781,557,593 5,197,885,492



28

d'lQmgfy ljsf; a}“s lnld6]8e'QmfgL lbg' kg]{ ljnx¿


cg';"rL $=^

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= :jb]zL d'b|f - -

@= ljb]zL d'b|f - -

hDdf - -

d'lQmgfy ljsf; a}“s lnld6]8cGo bfloTj


cg';"rL $=&qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= k]G;g÷pkbfg sf]if 6,623,592 4,491,230

@= sd{rf/L ;~ro sf]if - -

#= sd{rf/L sNof0f sf]if 39,642 36,999

$= sd{rf/L jf]g; Joj:yf 33,046,505 21,692,260

%= lgIf]kdf e'QmfgL lbg afFsL Aofh 82,340,832 44,345,311

^= ;fk6Ldf e'QmfgL lbg afFsL Aofh - -

&= kfsL g;s]sf] l8:sfp06, / sldzg - -

*= ;08«L qm]l86;{ 2,829,275 54,742

(= zfvf ldnfg lx;fj 908,197 682,877

!)= :yug s/ bfloTj (Deferred Tax Liability) - -

!!= e'QmfgL lbg afFsL nfef+; 2,894,763 2,629,033

!@= cGo - -

s= sd{rf/L ;+lrt ljbf sf]if 10,376,372 7,582,183

v= ltg'{ kg]{ s/ s§L 6,652,317 4,463,304

u= n3'ljQ shf{ ;'/If0f z'Ns 59,737,031 36,561,081

3= a}Fs df}Hbftdf ul/Psf] Joj:yf - 266,819

ª= k|fylds ;]o/ lgisf;g /sd ;+sng 197,042 190,543

r= P=l6=Pd=;+u ;DaGwL e'QmfgL lbg afFsL 376,757 -

5= cGo 2,933,169 2,885,511

hDdf 208,955,494 125,881,893



29

d'lQmgfy ljsf; a}“s lnld6]8gub df}Hbft


cg';"rL $=*qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= :jb]zL d'b|f -l;Ssf ;d]t_ 226,585,646 139,462,395@= ljb]zL d'b|f - - hDdf 226,585,646 139,462,395

d'lQmgfy ljsf; a}“s lnld6]8g]kfn /fi6« a}Fsdf /x]sf] df}Hbft


cg';"rL $=(

qm=;+= ljj/0f :jb]zL

d''b|f

ljb]zL d'b|f ?= dfs'n -?=_

ut jif{-?=_ef=?=

kl/jTo{ lj=d'=

hDdf

!= g]kfn /fi6« a}Fs

s= rNtL vftf 475,269,995 - 475,269,995 247,897,351

v= cGo vftf - - - -

hDdf 475,269,995 - - - 475,269,995 247,897,351

d'lQmgfy ljsf; a}“s lnld6]8a}Fs tyf ljQLo ;+:yfdf /x]sf] df}Hbft


cg';"rL $=!)

qm=;+= ljj/0f :jb]zL

d'b|f

ljb]zL d'b|f ?=dfs"n -?=_ ut jif{

-?=_ef=?kl/jTo{ lj=d'=

hDdf

!=

:jb]zL Ohfhtkq k|fKt ;+:yfx¿

13,499,746 - - - 13,499,746 12,761,326

s= rNtL vftf 13,499,746 - - - 13,499,746 12,761,326

v= cGo vftf - - - - - -

@=

ljb]zL a}Fsx¿ - - - - - -

s= rNtL vftf - - - - - -

v= cGo vftf - - - - - -

hDdf 13,499,746 - - - 13,499,746 12,761,326

a}Fssf] ;dy{g kq cg';f/ hDdf a}F}s df}Hbft ?= !#,$((,&$^÷– /x]sf] 5 .



30

d'lQmgfy ljsf; a}“s lnld6]8dfu tyf cNk;"rgfdf k|fKt x'g] /sdx¿


cg';"rL $=!!

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= :jb]zL d'b|fdf 1,423,910,789 1,062,645,388


hDdf 1,410,411,043 1,062,645,388

d'lQmgfy ljsf; a}“s lnld6]8nufgL


cg';"rL $=!@

qm=;+= ljj/0f k|of]hg o; jif{

-?=_ut jif{ -?=_

Jofkfl/s cGo!= g]kfn ;/sf/sf] 6«]h/L ljn - - - -

@= g]]kfn ;/sf/sf] art kq - - - -

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

$= g]= /f= a}Fs C0fkq - - - -

%= ljb]zL C0f kq - - - -

^= :jb]zL Ohfhtkq k|fKt ;+:yf - - - -&= ljb]zL a}Fs - - - -

*= ;+ul7t ;+:yfx¿sf] ;]o/ 30,221,141 - 30,221,141 53,877,705

(=;+ul7t ;+:yfx¿sf] l8j]Gr/ tyf jG8

- - - -

!)= cGo nufgL 73,250,408 - 73,250,408 31,891,238

s_ ;fd'lxs nufgL sf]if 41,059,170 - 41,059,170 -

v_ cGo 32,191,238 - 32,191,238 -

s'n nufgL 103,471,549 - 103,471,549 85,768,943

Joj:yf - - - -

v'b nufgL 103,471,549 - 103,471,549 85,768,943



31

d'lQmgfy ljsf; a}“s lnld6]8Jofkfl/s nufgL

(Held for Trading)


cg";'rL 4=12=1

qm=;+=

ljj/0fk/n d"No -?=_

kl5Nnf] ahf/

d"No -s_ -?=_

xfnsf] ahf/

d"No -v_ -?=_

o; jif{ gfkmf÷

gf]S;fg /sd -v–s_ -?=_

ut jif{ gfkmf ÷gf]S;fg /sd

-?=_s}lkmot

!= g]kfn ;/sf/sf] 6]«h/L ljn - - - - - - @= g]kfn ;/sf/sf] artkq - - - - - -

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

- - - - - -

$= g]=/f= a}Fs C0fkq - - - - - - %= ljb]zL C0fkq - - - - - -

^=:jb]ZfL Ohfhtkq k|fKt ;+:yfsf] ;]o/

- - - - - -

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

- - - - - -

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

- - - - - -

(=ljb]zL a}Fs nufgL (Placement)

- - - - - - !)= Interbank Lending - - - - - - !!= cGo nufgL - - - - - -

s'n nufgL - - - - - -



32

d'lQmgfy ljsf; a}“s lnld6]8e'QmfgL ldlt;Dd wf/0f ug{] nufgL

(Held to Maturity)


cg";'rL 4=12=2

qm=;+=

ljj/0fk/n d"No

-?=_

kl5Nnf] ahf/

d"No -s_ -?=_

xfnsf] ahf/

d"No -v_ -?=_

o; jif{ gfkmf ÷


ut jif{ gfkmf

÷gf]S;fg /sd -?=_

s}lkmot

!=g]kfn ;/sf/sf] 6]«h/L ljn

- - - - - -

@=g]kfn ;/sf/sf] artkq

- - - - - -


- - - - - -

$= g]=/f= a}Fs C0fkq - - - - - -

%= ljb]zL C0fkq - - - - - -


- - - - - -


- - - - - -


- - - - - -

(=lab]zL a}Fs nufgL (Placement)

- - - - - -

!)=

cGo nufgL - - - - - -

s= d'2tL nufgL - - - - - -

v= shf{ ;'/If0f jfktsf] lk|ldod nufgL

31,891,237.74 - - - - -

s'n nufgL 31,891,237.74 - - - - -



33

d'lQmgfy ljsf; a}“s lnld6]8las|Lsf] nflu pknAw nufgL

(Available for Sale)


cg';"rL 4=12=3

qm=;+=

ljj/0fk/n d"No

-?=_

kl5Nnf] ahf/

d"No -s_ -?=_

xfnsf] ahf/

d"No -v_ -?=_

o; jif{ gfkmf ÷


ut jif{ gfkmf

÷gf]S;fg /sd -?=_

s}lkmot

!=g]kfn ;/sf/sf] 6]«h/L ljn

- - - - - -

@= g]kfn ;/sf/sf] artkq - - - - - -


- - - - - -

$= g]=/f= a}Fs C0fkq - - - - - -

%= ljb]zL C0fkq - - - - - -


- - - - - -


- - - - - -


30,221,141 - - - - -

(=lab]zL a}Fs nufgL (Placement)

- - - - - -

!)= cGo nufgL 41,359,170 - - - - -

s'n nufgL 71,580,311 - - - - -



34

d'lQmgfy ljsf; a}“s lnld6]8;]o/, l8j]Gr/ tyf j08df nufgL


cg';"rL $=!@ s

qm=;+= ljj/0f k/n df]n

-?=_

ahf/d"No cg';f/

-?=_

Joj:yf/sd-?=_

ut jif{ -?=_

!= ;]o/ nufgL 71,280,311 90,285,667 - 53,877,705

!=!

u|f]df]/ dr]{G6 a}Fs/ ln= 500,000 - - 500,000%,))) lsQf ;]o/, k|lt ;]o/ ?= !))

sf b/n]

!=@

g]kfn lsNol/Ë xfp; ln=300,000 - - 200,000#,))) lsQf ;]o/, k|lt ;]o/ ?= !))

sf b/n]

!=#

;fgLdfdfO{ xfO8«f] kfj/ s+= ln= 297,000 2,361,150 - 297,000@,(&) lsQf ;fwf/0f ;]o/, k|lt ;]o/

?= !)) sf b/n]

!=$

c?0f EofnL xfO8«f] kfj/ s+= ln= 3,139,440 6,069,330 - 3,547,440!!,$&# lsQf ;fwf/0f ;]o/, k|lt

;]o/ ?= !)) sf b/n]

!=%

Pg= Pn= hL= OG;'/]G; s+= ln=

955,380 1,109,818 - 955,380!,^@^ lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=^

g]kfn b'/;~rf/ s+= ln=

7,724,315 9,026,560 - 7,724,315!!,*%) lsQf ;fwf/0f ;]o/, k|lt ;]o/, ?= !)) sf b/n]

!=&

l/8L xfO8«f] kfj/ s+= ln=

18,800

31,584

-

9,400

@)^ lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n] -jf]g; ;]o/ !* lsQf ;d]t_

!=*

Pl;og nfOkm OG;'/]G; s+= ln=

3,928,670

2,892,500

-

2,756,800

$,!&% lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n] -jf]g; ;]o/ (@% lsQf ;d]t_

!=(

l;4fy{ OGe]:6d]06 u|f]y l:sd–! 12,420,000 26,005,200 - 15,600,000!@,$@,))) OsfO{, k|lt OsfO{ ?= !)

sf b/n]



35


-?=_

ahf/d"No cg';f/

-?=_

Joj:yf/sd-?=_

ut jif{ -?=_

!=!)

glan Aofn]G; km08–!2,287,370 3,691,815 - 2,287,370@,@*,&#& OsfO{, k|lt OsfO{ ?= !)

sf b/n]

!=!!

l;4fy{ OGe]:6d]06 u|f]y l:sd–@ 11,795,480 11,795,480 - 20,000,000!!,&(,%$* OsfO{, k|lt OsfO{ ?= !)

sf b/n]

!=!@a?0f xfO8«f] kfj/ s+=ln=

1,000 1,000 - - !) lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=!#

lrlnd] xfO8«f] kfj/ s+= ln=

1,903,810 1,597,167 - - ($( lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=!$

g]Zfgn nfOkm OG;'/]G; s+= ln=

600,000 460,000 - - #@% lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n] -jf]g; ;]o/ &% lsQf ;d]t_

!=!%

g]kfn nfOkm OG;'/]G; s+= ln=

3,986,500 2,556,996 - - !,$!& lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n] -jf]g; ;]o/ %#! lsQf ;d]t_

!=!^k|fOd nfOkm OG;'/]G; s+= ln=

132,000 139,080 - - !@) lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=!&l8k|f]S; n3'ljQ ljsf; a}Fs ln=

3,090,924 4,040,100 - - #,)!% lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=!*lgw{g pTyfg a}Fs ln=

2,312,515 2,860,842 - - @,)$@ lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=!(

?/n dfO{qmf]kmfOgfG; 8]enkd]06 ;]G6/ ln=,

1,024,717 874,425 - - !,##% lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=@)ljho n3'ljQ ljQLo ;+:yf ln=

2,300 2,300 - - @# lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]



36


-?=_

ahf/d"No cg';f/

-?=_

Joj:yf/sd-?=_

ut jif{ -?=_

!=@!

cfO{Pnkm;Lcf] dfO{qmf]kmfOgfG; ljQLo ;+:yf ln=

1,500 1,500 - - !% lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n]

!=@@

;f]N6L xf]6n ln=,

302,270 212,500 - - &)) lsQf ;fwf/0f ;]o/, k|lt ;]o/ ?= !)) sf b/n] -jf]g; ;]o/ @)) lsQf ;d]t_

!=@#PgPdaL Do'r'cn km08,

5,741,990 5,741,990 - - %,&$,!(( OsfO{, k|lt OsfO{ ?= !) sf b/n]

!=@$nIdL Eofn'P8]8 km08,

7,075,430 7,075,430 - - &,)&,%$# OsfO{, k|lt OsfO{ ?= !) sf b/n]

!=@%PgcfO{aLPn Do'r'cn km08,

1,738,900 1,738,900 - - !,&#,*() OsfO{, k|lt OsfO{ ?= !) sf b/n]

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

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

- - - -

@=@ ============================= - - - -@=# ============================= - - - - s'n nufgL -!±@_ 71,580,311 90,285,667 - 53,877,705#= hf]lvd ;DaGwL Joj:yf - - - -#=! ut jif{ ;Ddsf] Joj:yf - - - -#=@ o; jif{sf] yk÷36 - - - - s'n Joj:yf 71,580,311 90,285,667 - 53,877,705

gf]6M # jif{ eGbf a9L ;dob]lv nfef+z 3f]if0ff tyf ljt/0f gu/]sf sDkgLx¿ gePsf] .



37

d'lQ

mgfy

ljs

f; a

}“s ln

ld6]8

shf{,

;fk6

tyf ljn

vl/b

juL{s

/0f,

/ ;f

]sf] nflu

Joj

:yf

@)&@

;fn

, cfiff9

d;f

Gtsf]

cg';

"rL $=!#

qm=

;+=

ljj/

0f

shf{

v/Lb

tyf l8

:sfp

G6

ul/P

sf lanx¿

o; j

if{?=

ut j

if{?=

:jb]z

Lljb]z

LhDd

f:j

b]zL

ljb]z

LhDd

fljkG

gcGo

ljld

tcljld

t

!=;lqmo

shf{ ;fk6

(Per

form

ing)

2,11

1,458

,200

-4,5

79,7

41,

975

-6,

691,

200,

175

--

-6,

637,

455

,915

4,4

20,9

77,7

11

!=!

c;n

2,11

1,458

,200

-4,5

25,9

97,7

15-

6,63

7,455

,915

--

-6,

637,

455

,915

4,4

20,9

77,7

11

!=@

;'Id

lgU

f/fg

L -

-53

,744,2

60-

53,7

44,2

60-

--

53,7

44,2

60-

@=lgl:qmo

shf{ ;fk6

(Non

Pe

rfor

min

g)5,

223,

567

-7,

221,

667

-12

,445,

234

--

-12

,445,

234

19,9

09,9

01

@=!

k'g/

;+/r

gf /

k"gtf{ln

sLs

/0f

- -

- -

--

--

- -

@=@

sd;n

460

,531

-54

5,68

2-

1,00

6,21

3-

--

1,00

6,21

31,

048,7

04

@=#

z+sf:kb

109,

578

-1,

399,

250

-1,

508,8

28-

--

1,50

8,8

2898

6,24

4

@=$

v/fa

4,6

53,4

58-

5,27

6,73

5-

9,93

0,19

3-

--

9,93

0,19

317

,874

,953

-s_

s'n s

hf{

2,11

6,68

1,76

7-

4,5

86,

963,

642

-6,

703,

645,

409

--

-6,

703,

645,

409

4,4

40,

887,

612

#=shf{ gf

]S;fg

L Jo

j:yf M

- -

-

-

--

--

#=!=!

c;n

21,1

14,5

82

-45,

259,

977

-66

,374

,559

--

-66

,374

,559

44,6

61,2

58

#=!=@

;'Id

lgU

f/fg

L -

-1,

074,8

85

-1,

074,8

85

--

-1,

074,8

85

-

#=@

k'g/

;+/r

gf /

k"gtf{ln

sLs

/0f

- -

- -

--

--

--

#=#

sd;n

115,

133

-13

6,421

-25

1,55

4-

--

251,

553

262,

176

#=$

z+sf:kb

54,7

89

-69

9,62

5-

754,4

14-

--

754,4

14493

,122



38

qm=

;+=

ljj/

0f

shf{

v/Lb

tyf l8

:sfp

G6

ul/P

sf lanx¿

o; j

if{?=

ut j

if{?=

:jb]z

Lljb]z

LhDd

f:j

b]zL

ljb]z

LhDd

fljkG

gcGo

ljld

tcljld

t

#=%

v/fa

4,6

53,4

58-

5,27

6,73

5-

9,93

0,19

3-

--

9,93

0,19

317

,874

,953

-v_

s'n Joj

:yf

25,9

37,9

62-

52,4

47,

643

-78

,385,

605

--

-78

,385,

604

63,2

91,5

09

$=

ut j

if{;Dd

sf] Jo

j:yf M

- -

-

- -

--

- -

$=!=!

c;n

12,7

03,3

18-

31,9

57,9

40

-44,6

61,2

58-

--

44,6

61,2

5830

,249,

001

$=!=@

;'Id

lgU

f/fg

L-

--

--

--

--

-

$=@

k'g/;

+/rgf

/ k"g

tf{ln

sLs

/0f

- -

- -

--

--

- -

$=#

sd;n

--

262,

176

-26

2,17

6-

--

262,

176

826

,233

$=$

z+sf:kb

23,9

04-

469

,219

-493

,123

--

-493

,122

1,07

0,67

4

$=%

v/fa

1,66

1,836

-16

,213

,117

-17

,874

,953

--

-17

,874

,953

12,5

23,2

63

-u_

ut j

if{;Dd

sf] s'n

Joj:

yf

14,3

89,

058

-48,9

02,4

52-

63,2

91,5

10-

--

63,2

91,5

0936

,169

,399

-3_

o; j

if{sf] Jo

j:yfa

f6

lkmt

f{-

-14

,114

,358

-14

,114

,358

--

-14

,114

,358

12,8

90,1

69

-ª_

;flj

ssf] l;

les

8]enkd

]G6 a

}Fsaf

6 :y

fgfGt

/0f

625,

706

-3,

573,

195

-4,1

98,9

01-

--

4,1

98,9

01-

-r_

o; j

if{sf] yk

Joj:

yf

10,9

23,1

98-

14,0

86,

354

-25

,009

,552

--

-25

,009

,552

21,3

89,

941

-5_

o; j

if{sf] v'b

yk

-36_

11,5

48,9

04-

31,7

73,9

07-

43,

322,

811

--

-43,

322,

811

8,4

99,7

72

v'b

shf{ -s

-v_

2,09

0,74

3,805

-4,5

34,5

15,9

99-

6,62

5,25

9,804

--

-6,

625,

259,

805

4,3

77,5

96,1

03



39

d'lQmgfy ljsf; a}“s lnld6]8shf{, ;fk6 / ljN; v/Lbsf] ;'/If0f


cg';"rL $=!# s

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_-s_ ;'/lIft 6,703,645,409 4,440,887,612

!= rn÷crn ;DklQsf] ;'/If0fdf 4,676,195,636 3,181,920,492

@= :jb]zL Ohfhtkq k|fKt ;+:yfsf] hdfgtdf - -

#= ;/sf/L hdfgtdf - -

$= cGt/f{li6«o >]0fLs[t a}Fssf] hdfgtdf - -

%= lgof{t sfuhft (Export Document) sf] ;'/If0fdf

- -

^= d'2tL /;Lbsf] ;'/If0fdf M 49,797,399 24,000,300

-s_ ;+:yfsf] cfkm\g} d'2tL /l;bsf] ;'/If0f 49,797,399 24,000,300

-v_ cGo Ohfhtkq k|fKt ;+:yfsf] d'2tL /;Lbsf] ;'/If0f

- -

&= ;/sf/L C0fkqsf] ;'/If0fdf - -

*= sfp06/ hdfgtdf - -

(= JolQmut hdfgtdf -n3'ljQ_ 1,977,652,374 1,234,966,820

!)= cGo ;'/If0fdf - -

-v_ c;'/lIft - -

hDdf 6,703,645,409 4,440,887,612



40

d'lQ

mgfy

ljs

f; a

}“s ln

ld6]8

l:y/

;Dk

lQ@)

&@ ;

fn, c

fiff9

d;f

Gtsf]

cg';

"rL $=!$

qm=

;+=

ljj/

0f

;Dk

lQo;

jif{

-?=_

ut j

if{{-?=_

ejg

kl/j

xg

;fw

gd]lz

g/L

sfo

f{no

;fd

fg;km\6j

o/

!=k/

ndf]n

M

-s

_ ut j

if{sf] df}Hbft *

-20

,284,9

984,1

58,7

6069

,171

,356

9,23

5,00

810

2,850

,122

83,

810

,766

;flj

ssf] l;

les

8]enkd

]G6 a

}Fsaf

6 :y

fgfGt

/0f

-17

9,38

329

5,404

6,470

,075

995,

106

7,93

9,96

8-

-v

_ o;

jif{

yk

- 3,

775,

400

375,

000

21,2

34,9

7296

6,94

126

,352

,313

25,9

76,4

77

-u

_ o;

jif{

k'gd"{No

fÍg÷

k"gn]{vg

- -

- -

--

-

-3

_ o;

jif{s

f] laqmL

-36

2,415

- 39

9,33

0-

761,

745

5,33

3,55

2

-ª_ o;

jif{s

f] ckn

]vg

- -

- 1,

202,

725

- 1,

202,

725

161,

779

s'n -s±v±u—3—ª_

k/

ndf]n

-23

,877

,366

4,8

29,1

6495

,274

,348

11,1

97,0

5513

5,17

7,93

310

4,2

91,9

12

@=x|f; s

§L M

-s

_ u

t j

if{;Dd

sf]

-6,

307,

431

1,898

,605

38,0

14,4

043,

964,6

2650

,185,

066

39,6

08,6

42



41

qm=

;+=

ljj/

0f

;Dk

lQo;

jif{

-?=_

ut j

if{{-?=_

ejg

kl/j

xg

;fw

gd]lz

g/L

sfo

f{no

;fd

fg;km\6j

o/

;flj

ssf] l;

les

8]enkd

]G6 a

}Fsaf

6 :y

fgfGt

/0f

- 31

,125

43,

018.3

21,

163,

836

118,0

381,

356,

017

-

-v

_ o

; j

if{sf]

-3,

238,6

1734

3,71

19,

285,

675

1,466

,688

14,3

34,6

9114

,416

,506

-u

_ x

|f;s§L k

"gd"{No

fÍg

÷k"g

n]{vg

- -

- -

- -

(3,8

40,

082)

s'n x

||f;s§L

-9,

577,

173

2,28

5,33

448,4

63,9

155,

549,

352

65,8

75,7

7450

,185,

066

#=a's

Eof

n' (

WD

V) -!–@

_-

14,3

00,1

932,

543,

830

46,

810

,433

5,64

7,70

369

,302

,159

54,1

06,8

46

$=

hUu

f-

- -

- -

--

%=k"Fh

Lut lgd

f{0f -k"FhLs

/0f

ul/g'

kg]{_

- -

- -

- -

-

^=nLh

xf]N8 ;

DklQ

- -

- -

- 23

,830

,442

12,7

09,3

02

;flj

ssf] l;

les

8]enkd

]G6 a

}Fsaf

6 :y

fgfGt

/0f nLh

xf]N8 ;

DklQ

- -

- -

- 3,

335,

644

-

hDd

f -#±$±%±

^_-

14,3

00,1

932,

543,

830

46,

810

,433

5,64

7,70

396

,468

,245

66,8

16,1

48

*sfo

f{no

;fd

fgdf ut j

if{sf] k/

nd"No

?= !$

,$!,&(

*÷&#

nfO{ k

'gM j

uL{s

/0f u/L, ln

hxf]N8

;Dk

lQdf ;dfo

f]hg

ul/Ps

f] 5 .



42

d'lQmgfy ljsf; a}“s lnld6]8u}/ a}+lsË ;DklQ


cg';"rL $=!%

C0fL jf kf6L{sf] gfd 7]ufgf

u}/ a}FlsË ;DklQ

;sf/ u/]sf] ldlt

s'n u}/ a}FlsË;DklQ /sd -?=_

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

ut jif{-?=_

k|ltzt /sd -?=_

;"a]bL lkm*\; 3/10/2072 2,060,000.00 100.00 2,060,000.00 - -

o"j/fh d"NdL 3/9/2072 5,213,112.10 100.00 5,213,112.10 - -

- - - - - -

hDdf - 7,273,112.10 - 7,273,112.10 - -

d'lQmgfy ljsf; a}“s lnld6]8 cGo ;DklQ


cg';"rL $=!^qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= d;nGb df}Hbft 1,733,874 1,229,912

@= nufgLdf c;'n ug{ afFsL cfDbfgL - -

#=

shf{df c;'n ug{ afFsL Jofh (40,489,874) 32,342,706

Go"g Jofh d"NtjL /sd 40,489,874 (32,342,706)

$= c;'n ug{ afFsL sldzg 612,988 426,105

%=

;G8«L 8]A6;{ 494,597 244,597 3,497,113

Go"gM Joj:yf (250,000) - (250,000)

^= sd{rf/L ;fk6L, / k]ZsL 17,747,911 12,969,054

&= clu|d e''QmfgL 11,154,934 9,593,599

*= dfu{:y gub - -

(= dfu{:y cGo -r]s ;d]t_ - -

!)= ljgf ;"rgf 8«fkm\6sf] e'QmfgL - -

!!= ckn]vg x'g afFsL vr{ - -

!@= zfvf ldnfg lx;fj - -

!#= w/f}6L 328,725 936,845

!$= :yug ul/Psf] s/ ;DklQ (Deferred Tax Assets) 2,150,252 7,632,791

!%=

cGo 15,532,250 452,118

s= clu|d s/ e''QmfgL 15,329,935 -

v= cGo 202,315 452,118

hDdf 49,505,531 36,487,537



43

d'lQmgfy ljsf; a}“s lnld6]8cGo ;DklQ -yk ljj/0f_@)&@ ;fn, cfiff9 d;fGtsf]

cg';"rL $=!^ s

qm=;+=

ljj/0fo; jif{ ?=

ut jif{-?=_! jif{ ;Dd

! jif{b]lv dfly # jif{;Dd

# jif{eGbf dfly

!= shf{df c;'n ug{ afFsL Jofh 39,194,849 1,563,694 - 32,342,706

@= ljgf ;"rgf 8«fkm\6sf] e'QmfgL - - - -

#= zfvf ldnfg lx;fj (905,658) - - (682,877)

$= :jb]zL tyf ljb]zL Ph]G;L lx;fj - - - -

hDdf 38,289,191 1,563,694 - 31,659,829

d'lQmgfy ljsf; a}“s lnld6]8;Defljt bfloTjx¿


cg';"rL $=!&qm=;+=

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

!= ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] - -

@=

k|ltt–kqx¿ -k"/f /sd_ - -

-s_ ^ dlxgf eGbf sd cjlwsf] - -

-v_ ^ dlxgf eGbf a9L cjlwsf] - -

#= k'gM l8:sfpG6 ul/Psf ljnx¿ - -

$=

Dofb gf3L g;s]sf] Uof/]G6L÷j08 4,300,000 100,000

-s_ la8 a08 - -

-v_ k/km/d]G; a08 4,300,000 100,000

-u_ cGo Uof/]06L÷a08 - -

%= r'Qmf, jf e'Qmfg x'g afFsL ;]o/ nufgL - -

^= km/jf8{ PS:r]~h sG6«fS6sf] afFsL bfloTjx¿ - -

&= sn]S;gdf /x]sf ljnx¿ - -

*= d~h'/L tyf ;dy{g (Acceptance & Endorsement) - -

(= k|Tofe"lt k|ltj4tf (Underwriting Commitment) - -

!)= ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) 204,382,580 21,974,270

!!= cGt/f{li6«o >]0fLs[t a}Fssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L - -

!@= clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 33,860,000 28,260,000

!#= shf{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) - -

!$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) 1,920,261 1,920,261

hDdf 244,462,841 52,254,531



44

d'lQmgfy ljsf; a}Fs lnld6]8Jofh cfDbfgL

@)&!, >fj0f ! ut]b]lv @)&@, c;f/ d;fGt;Ddsf]

cg';"rL $=!*

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_s= shf{ ;fk6 clwljsif{df M 796,223,437 575,983,973

!= shf{ ;fk6 666,828,436 513,460,538

@= clwljsif{ 129,395,001 62,523,435

v=

nufgLdf M - -

!= g]kfn ;/sf/sf] C0fkq M - -

-s_ 6«]h/L ljN; - -

-v_ ljsf; C0fkq - -

-u_ /fli6«o art kq - -

@= ljb]zL C0fkq M - -

-s_ 6«]h/L ljN; - -

-v_ ljsf; C0fkq - -

#= g]kfn /fi6« a}Fssf]] C0fkq - -

$= l8j]Gr/ tyf a08 M - -

-s_ a}Fs÷ljQLo ;+:yfx¿ - -

-v_ cGo ;+:yfx¿ - -

%= cGt/ a}Fs nufgLdf Aofh - -

-s_ a}Fs ÷ljQLo ;+:yfx¿ - -

-v_ cGo ;+:yfx¿ - -

u=

Ph]G;L df}Hbftdf M - -

!= :jb]zL a}Fs ÷ljQLo ;+:yfx¿ - -

@= ljb]zL a}Fsx¿ - -

3=

dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf M 39,944,538 37,725,315

!= :jb]zL a}Fs ÷ljQLo ;+:yfx¿ 39,944,538 37,725,315

@= ljb]zL a}Fsx¿ - -

ª=

cGodf M 74,950 49,863

!= ;l6{lkms]6 ckm l8kf]lh6 - -

@= cGt/ a}Fs ÷ljQLo ;+:yf shf{ - -

#= cGo 74,950 49,863

hDdf 836,242,925 613,759,151



45

d'lQmgfy ljsf; a}“s lnld6]8Aofh vr{


cg';"rL $=!(qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_s=

lgIf]k bfloTjdf M 345,876,114 276,917,854 != d'2tL lgIf]k M 100,581,175 100,402,430 !=! :jb]zL d'b|f 100,581,175 100,402,430 !=@ ljb]zL d'b|f - -

@= art lgIf]k M 193,511,603 152,340,591 @=! :jb]zL d'b|f 193,511,603 152,340,591 @=@ ljb]zL d'b|f - -

#= dfu]sf] avt ltg'{kg]{ lgIf]k M 51,783,336 24,174,833 #=! :jb]zL d'b|f 51,783,336 24,174,833 #=@ ljb]zL d'b|f - - $= ;l6{lkms]6 ckm l8kf]lh6;\ - -

v=

shf{ ;fk6df M 4,920,109 10,038,295 != C0fkq tyf a08 - - @= g]kfn /fi6« a}Fsaf6 k|fKt shf{ - - #= cGt/ a}Fs ljQLo ;+:yf shf{ 4,920,109 10,038,295 $= cGo ;+ul7t ;+:yf - - %= cGo shf{ - -

u= cGodf M - - != =============== - -

hDdf 350,796,223 286,956,149

d'lQmgfy ljsf; a}“s lnld6]8sldzg tyf l8:sfpG6


cg';"rL $=@)qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_ s= ljN; v/Lb tyf l8:sfpG6 M - -

!= :jb]zL - - @= ljb]zL - -

v=

sldzg M 12,054,438 8,590,771 != k|lttkq - @= hdfgtkq 586,790 306,700 #= sn]S;g kmL - 171,560 $= /]ld6]G; kmL 11,467,648 8,112,511 %= qm]l86 sf8{ - - ^= ;]o/ k|Tofe"lt÷lgisfzg - - &= ;/sf/L sf/f]af/ jfkt - - *= O=k|f= sdLzg jfkt - - (= a§f cfDbfgL - -

u= cGo 317,860 484,905 hDdf 12,372,298 9,075,676



46

d'lQmgfy ljsf; a}“s lnld6]8cGo ;~rfng cfDbfgL


cg';"rL $=@!qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= ;]km l8kf]lh6 eN6sf] ef8f 115,500 57,000

@= qm]l86sf8{ lgisfzg tyf gjLs/0f - -

#= ATM sf8{ lgisfzg tyf gjLs/0f 391,350 292,901

$= 6]n]S;÷l6=l6= - -

%= ;]jf z'Ns 77,482,921 65,053,509

^= gjLs/0f z'Ns 3,201,750 2,195,416

&= cGo 9,873,203 12,817,246

hDdf 91,064,724 80,416,072

d'lQmgfy ljsf; a}“s lnld6]8;6xL 36a9 cfDbfgL÷gf]S;fgL


cg';"rL $=@@qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_-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_ - -

d'lQmgfy ljsf; a}“s lnld6]8sd{rf/L vr{


cg';"rL $=@#qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= tna 74,828,198 53,200,366

@= eQf 40,209,585 24,192,835

#= ;~ro sf]ifdf yk 4,506,919 3,370,829

$= tflnd vr{ 1,518,027 1,895,296

%= kf]zfs 3,430,240 2,825,104

^= cf}ifwf]krf/ 908 6,080

&= ladf 882,996 754,664

*= k]G;g tyf pkbfg Joj:yf 3,022,486 718,084

(= cGo -ljbf jfktsf] /sd_ 5,092,304 3,469,893

hDdf 133,491,663 90,433,151



47

d'lQmgfy ljsf; a}“s lnld6]8cGo ;~rfng vr{


cg';"rL $=@$qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_

!= 3/ef8f 16,184,110 11,359,413@= aQL, lah'nL, / kfgL 2,617,422 2,229,570#=

dd{t tyf ;Def/ M - -

-s_ ejg 20,479 125,779 -v_ ;jf/L ;fwg 1,502,880 914,672 -u_ sfof{no pks/0f 1,109,395 1,284,495 -3_ cGo 92,143 127,628

$= ladf 6,142,030 4,908,099%= kf]i6]h, 6]n]S;, 6]lnkmf]g, km\ofS; 3,238,762 2,989,631^= sfof{no pks/0f kmlg{r/ / ;Def/ - - &= e|d0f eQf / vr{ 3,577,116 2,973,985*= d;nGb vr{ 7,276,210 5,587,814(= kqklqsf tyf k':ts 365,725 511,020!)= lj1fkg 1,796,150 1,332,627!!= btf{ tyf sfg'gL vr{ - 30,143!@= rGbf 61,200 45,188!#= ;~rfns ;ldlt ;DaGwL vr{ M - -

-s_ a}7s eQf 352,000 344,000 -v_ cGo vr{ 573,917 260,691

!$= ;fwf/0f ;ef ;DaGwL vr{ 838,642 831,241!%= n]vfk/LIf0f ;DaGwL M - -

-s_ n]vf k/LIf0f z'Ns 242,950 247,126 -v_ cGo vr{ 819,795 353,888

!^= /sd :yfgfGt/0f sldzg 480 300!&= :yL/ ;DklQdf x|f; s§L 13,545,407 12,972,797!*= k"j{ ;~rfng vr{ ckn]vg - - !(= ;]o/ lgisfzg vr{ 929,024 1,033,797@)= k|fljlws ;]jf ;f]wegf{ ÷ sG;N6]G;L 152,600 9,000@!= dgf]/~hg vr{ 1,239,893 5,645,291@@= ckn]vg vr{ 8,034,268 7,160,227@#= ;'/Iff vr{ 4,447,662 - @$= shf{ ;'/If0f lk|ldod - - @%= sldzg, / l8:sfp06 - - @^= sfof{no vr{ 2,396,550 1,608,193@&= gljs/0f tyf ;b:otf z'Ns 1,460,158 686,634@*= k]6«f]n÷l8h]n 4,101,296 3,239,334@(= Jofkf/ k|jw{g vr{ 398,289 324,685#)=

cGo 11,910,593 7,853,031s= jflif{s pT;j vr{ 234,480 47,314v= shf{ ;"rgf vr{ 2,250 617,730u= P=6L=Pd= vr{ 662,496 663,1623= a}7s vr{ 205,791 570,365ª= PlalaP; vr{ 4,588,063 3,048,177r= jflif{s P=od=;L= vr{ 2,182,425 820,9765= s]Gb| k|d'v uf]i7L vr{ 104,180 530,933h= vftf aGb vr{ 436,000 432,500em= dh{/ vr{ 995,422 -

`= zfvf pb\3f6g vr{ 1,022,450 -

6= ;df;f]wg vr{ 94,005 -

7= ljljw 1,383,031 1,121,874 hDdf 95,427,146 76,990,299



48

d'lQmgfy ljsf; a}“s lnld6]8;Defljt gf]S;fgL Joj:yf


cg';"rL $=@%


!= shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 25,009,552 21,579,136

@= nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 - -

#= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf 4,495,879 -

$= cGo ;DklQdf ul/Psf] Joj:yf - -

hDdf 29,505,431 21,579,136

d'lQmgfy ljsf; a}“s lnld6]8u}/ ;~rfng cfDbfgL / gf]S;fg


cg';"rL $=@^

qm=;+= ljj/0f o; jif{ -?=_ ut jif{ -?=_!= nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ 2,834,530 6,734,157

@= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ (232,227) 674,847

#= nfef+z 2,515,718 568,696

$=

g]kfn /fi6« a}Fsaf6 k|fKt ;x'lnot M - -

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

v= Aofh Ifltk"lt{ - -

u= ;6xL sfpG6/ - -

%= cGo (2,926,926) -

v'b u}/ ;~rfng cfDbfgL÷-gf]S;fg_ 2,191,095 7,977,700



49

d'lQmgfy ljsf; a}“s lnld6]8;Defljt gf]S;fgL Joj:yfaf6 lkmtf{


cg';"rL $=@&


!= shf{ gf]S;fgL Aoj:yfaf6 lkmtf{ 14,114,358 2,956,799

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

#= nufgL Joj:yfaf6 lkmtf{ - -

$= cGo ;DklQsf] Joj:yfaf6 lkmtf{ 266,819 388,200

hDdf 14,381,177 3,344,999

d'lQmgfy ljsf; a}“s lnld6]8c;fdfGo sf/f]af/x¿af6 ePsf] cDbfgL÷vr{


cg';"rL $=@*


!= 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 - -

hDdf - -



50

d'lQ

mgfy

ljs

f; a

}“s ln

ld6]8

ckn

]lvt

shf{s

f] ljj/

0f@)

&!, >

fj0f !

ut]b

]lv @

)&@, c

;f/ d;

fGt;D

dsf]

cg';

"rL $=@* s

qm=;

+=shf{ k|s

f/ckn

]vg

ul/P

sf]

/sd -?=_

lwtf

]sf] k|s

f/

tyf /s

d

lwtf

] d"No

fÍgs

f] cfw

f/

shf{ :j

Ls[t

ug]{clwsf/L÷

tx

shf{ c;"nLs

f nflu

eP

u/]sf

k|of;

x¿s}lkmo

t

1rfn

' k"FhL shf{

6,803

,921

.96

3/

tyf

hUu

f

jfXo

d"No

fÍg

k|d'v s

fo{sf/L

clws[t

a}Fssf] shf{

c;"nL gL

lt

adf]lh

d

2kl/o

f]hgf

shf{

- -

- -

- -

3l:y/

k"FhL shf{

- -

- -

- -

4Jo

lQmu

t s

hf{

- -

- -

- -

5cGo

shf{

- -

- -

- -

s'n s

hf{

6,803

,921

.96

- -

- -

-



51

d'lQmgfy ljsf; a}“s lnld6]8;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyf ;]o/wgLx¿nfO{ uPsf] shf{ ;fk6sf]

ljj/0f@)&@, c;f/ d;fGt

cg';"rL $=@(v/Lb tyf l8:sfpG6 ul/Psf ljnx¿, / shf{ tyf clwljsif{df k|jflxt s'n /sd dWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L tyf ;]o/wgLx¿, / lghx¿sf] kl/jf/sf ;b:o jf To:tf JolQmx¿ hdfgL a;]sf], jf d}g]lhË Ph]G6 ePsf] s'g} ;+:yf, jf sDkgLnfO{ uPsf], /sdsf] ljj/0f b]xfo adf]lhd 5 .

gfdut jif{;Ddsf] afFsL o; jif{ c;"nL o; jif{

yk shf{

@)&@, cfiff9 d;fGt;Dd afFsL

;fFjf Jofh ;fFjf Jofh ;fFjf Jofh

-s_ ;~rfns M

!= - - - - - - -

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

!= - - - - - - -

-u_ ;+:yfks

!= - - - - - - -

-3_ sd{rf/L

!= - - - - - - -

-ª_ ;]o/wgLx¿

!= - - - - - - -

hDdf - - - - - - -

sd{rf/L lalgodfjnL cg';f/ pknAw u/fOPsf] shf{ ;'ljwf o; cg';"rLdf b]vfOPsf] 5}g .



52

d'lQmgfy ljsf; a}“s lnld6]8k"FhLsf]if tflnsf

@)&@, c;f/ d;fGt

cg';"rL $=#)

-?=xhf/df_

ljj/0f rfn' jif{ ut jif{-s_ k|fylds k"FhL 967,982 594,224

!_ r'Qmf k"FhL 640,025 367,500

@_ k|:tfljt jf]g; ;]o/ 198,408 139,650

#_ ;]o/ lk|ldod - -

$_ lkmtf{ gx'g] cu|flwsf/ ;]o/ -

%_ ;fwf/0f hu]8f sf]if 126,485 78,102

^_ ;l~rt gfkmf÷-gf]S;fg_ 3,064 1,339

&_ jf;nftdf b]vfO{Psf] rfn' cf=j=sf] gfkmf gf]S;fg lx;fjsf] /sd

- -

*_ k"FhL lkmtf{ hu]8f sf]if - -

(_ k"FhL ;dfof]hg sf]if - -

!)_ sN; Og P8efG; (Calls in Advance) - -

!!_ k"FhLut hu]8f sf]if -

!!_ cGo :jtGq sf]ifx¿ - 7,633

36fpg]M - -

— Voflt (Goodwill) jfktsf] /sd - -

— ;LdfeGbf a9L nufgL ul/Psf] /sd - -

— ljQLo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd

- -

— cjf:tljs ;DklQ (Fictitious Assets) - -

— o; a}Fssf] lgb]{zg kfngf gu/L :jk|of]hgsf nflu 3/hUuf vl/b u/]sf] /sd

- -

— ;LdfeGbf a9L cfjf; ejg lgdf{0f tyf hUuf ljsf;df nufgL u/]sf] /sd

- -

— tf]lsPsf] ;doleq lalqm ljt/0f ug{ g;s]sf] ;]o/ k|Tofe"lt

- -



53

ljj/0f rfn' jif{ ut jif{— k|rlnt P]g tyf sfg'gn] k|ltaGw u/]sf] JolQm tyf ;d"xx¿nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx¿

- -

-v_ k"/s k"FhL 68,289 46,225

!_ c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf

66,375 44,661

@_ cltl/Qm shf{ gf]S;fgL Joj:yf - -

#_ xfOla|8 k"FhL pks/0fx¿ - -

$_ ;'/If0f g/flvPsf] ;xfos cfjlws C0f - -

%_ ;6xL ;lds/0f sf]if - -

^_ ;DklQ k'gd"{NofÍg sf]if - -

&_ nufgL ;dfof]hg sf]if 1,914 1,564

-u_ hDdf k"FhLsf]if -s±v_ 1,036,271 640,449

-3_ hf]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg]{ Go"gtd k"FhLsf]if

- -

k"FhLsf]if -!! k|ltzt_ 865,506 562,865

k|fylds k"FhL -%=% k|ltzt_ 432,753 281,433

k"FhLsf]if -clws÷Go"g_ 170,765 77,584

k|fylds k"FhL -clws÷Go"g_ 535,229 312,791

k"FhLsf]if 13.17% 12.52%

k|fylds k"FhL 12.30% 11.61%



54

d'lQmgfy ljsf; a}“s lnld6]8hf]lvd efl/t ;DklQ ljj/0f tflnsf

@)&@, c;f/ d;fGt

cg';"rL $=#) s

-¿=xhf/df_

jf;nft leqsf ;DklQx¿ (On-Balance Sheet Items) ef/

rfn' jif{ ut jif{

/sdhf]lvd efl/t ;DklQ


gub df}Hbft 0% 226,586 - 139,462 -

;'g -ljlgdo of]Uo_ 0% - - - -

g]kfn /fi6« a}Fsdf /x]sf] df}Hbft 0% 475,270 - 247,897 -

g]kfn ;/sf/sf] C0fkqdf ul/Psf] nufgL 0% - - - -

g]kfn /fi6« a}Fs C0fkqdf ul/Psf] nufgL 0% - - - -

cfˆg} d'2tL /;Lbsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'2tL /;Lb lwtf] shf{

0% 49,797 - 24,000 -

;/sf/L C0f kqsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] shf{

0% - - - -

art kqsf] kfpg' kg]{ Jofh /sd 0% - - - -

ljkGg ju{ shf{ cGtu{t u0fgf x'g] o'jf tyf ;fgf Joj;foL :j/f]huf/ sf]ifdf ævÆ / æuÆ ju{sf Ohfhtkq k|fKt ;+:yfn] hDdf u/]sf] /sd

0% - - - -

:jb]zL a}Fs tyf ljQLo ;+:yfx¿df /x]sf] df}Hbft

20% 13,500 2,700 12,761 2,552

cGo a}Fs tyf ljQLo ;+:yfx¿sf] d'2tL /l;bsf] lwtf]df k"0f{ ;'/lIft x'g] u/L k|bfg ul/Psf] d'2tL /l;b lwtf] shf{

20% - - - -

ljb]zL a}Fsx¿df /x]sf] df}Hbft 20% - - - -

dfu]sf] avt k|fKt x'g] /sd (Money at Call) 20% 1,410,411 282,082 1,062,645 212,529

cGt/f{li6«o >]0fLs[t (Rated) Ohfhtkqk|fKt ;+:yfsf] Uof/]06Ldf uPsf] shf{

20% - - - -

cGt/f{li6«o >]0fLs[t (Rated) a}Fsdf u/]sf] cGo nufgL

20% - - - -

cGt/ a}Fs ;fk6L - - - -

;]o/, l8j]~r/ Pj+ a08df ePsf] nufgL 100% 30,221 30,221 53,878 53,878

cGo nufgLx¿ 100% 73,250 73,250 31,891 31,891

shf{, ;fk6 tyf ljN; v/Lb÷l8:sfp06 ;d]t 100% 6,653,848 6,653,848 4,416,888 4,416,888



55

jf;nft leqsf ;DklQx¿ (On-Balance Sheet Items) ef/

rfn' jif{ ut jif{



l:y/ ;DklQx¿ 100% 96,468 96,468 66,816 66,816

cGo ;a} ;DklQx¿ -v'b cu|Ld s/ bflvnf jfx]s_

100% 34,176 34,176 36,488 36,488

Kffpg' kg]{ v'b Jofh /sd 100% - - - -

;Ldf gf3]sf] l/on :6]6 ÷cfjf;Lo 3/ shf{ 150% - - - -

-s_ hDdf 9,063,527 7,172,745 6,092,726 4,821,042

-v_ jf;nft jflx/sf sf/f]af/x¿ - - - -

ljN; sn]S;g 0% - - - -

clu|d ljb]zL ljlgdo ;Demf}tf 10% - - - -

^ dlxgfeGbf sd cjlwsf] k|ltt–kq -k"/} /sd_ 20% - - - -

cGt/f{li6«o >]0fLs[t (Rated) ljb]zL Ohfhtkqk|fKt ;+:yfsf] sfp06/ Uof/]06Ldf hf/L ul/Psf] Uof/]06L

20% - - - -

^ dlxgfeGbf a9L cjlwsf] k|ltt–kq -k"/} /sd_

50% - - - -

lj8a08, k/km/d]G; a08, / k|Tofe"lt (Underwriting) ;DaGwL k|ltj4tf

50% 4,300 2,150 100 50

k'gM v/Lb ug]{ zt{df laqmL u/]sf] shf{ 50% - - - -

clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 100% 33,860 33,860 28,260 28,260

ljQLo tyf cGo hdfgt (Financial and other Guarantee) 100% - - - -

ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) 100% 204,383 204,383 21,974 21,974

cfos/ jfkt ;Defljt bfloTj 100% 1,920 1,920 1,920 1,920

Acceptance ;lxt cGo ;a} k|sf/sf ;Defljt bfloTjx¿

100% - - - -

e'QmfgLsf nflu bfjL k/]sf] hdfgt -Unpaid Guarantee Claims_

100% - - - -

-v_ hDdf 244,463 242,313 52,254 52,204

-u_ ;~rfng hf]lvd jfkt sfod ug'{kg]{ /sd 100% 453,176 453,176 243,709 243,709

s'n hf]lvd efl/t ;DklQsf] hDdf -s_+-v_+(u)

9,761,166 7,868,234 6,388,689 5,116,955



56

d'lQmgfy ljsf; a}“s lnld6]8k|d'v ;"rsfÍ

@)&@, c;f/ d;fGt

cg';"rL $=#!qm=;+=

ljj/0f ;"rsfÍcf=j=

@)^&÷)^*cf=j=

@)^*÷)^(cf=j=

@)^(÷)&)cf=j=

@)&)÷)&!cf=j=

@)&!÷)&@

!= v'b gfkmf÷s'n cfDbfgL k|ltzt

k|ltzt 11.91 16.58 18.60 21.35 23.11

@= k|lt ;]o/ cfDbfgL ?= 18.29 35.52 40.01 41.32 35.99

#= k|lt ;]o/ ahf/ d"No ?= - 273 264 630 564

$= d"No cfDbfgL cg'kft (PE Ratio) cg'kft - 7.69 6.60 15.25 15.25

%= ;]o/ kF"hLdf nfef+z -jf]g; ;lxt_

k|ltzt - 50.00 27.50 40.00 32.63

^= ;]o/ kF"hLdf gub nfef+; e'QmfgL Æ - 22.50 7.50 2.00 1.63

&= Jofh cfDbfgL÷shf{ tyf ;fk6 Æ 16.26 17.71 15.51 13.82 12.47

*= sd{rf/L vr{÷s'n ;~rfng vr{ Æ 51.40 17.69 18.50 19.90 23.03

(= s'n lgIf]k tyf ;fk6Ldf Jofh vr{ Æ 7.24 7.45 6.21 5.42 4.49

!)= ;6xL 36a9 cfDbfgL÷s'n cfDbfgL Æ - - - - -

!!= sd{rf/L jf]g;÷s'n sd{rf/L vr{ Æ 14.13 17.91 20.77 23.99 23.63

!@= v'b gfkmf÷shf{ ;fk6 Æ 2.18 3.28 3.22 3.42 3.25

!#= v'b gfkmf÷s'n ;DklQ cg'kft 0.75 2.17 2.22 2.52 2.42

!$= s'n shf{÷lgIf]k k|ltzt 91.46 78.74 83.07 85.44 86.15

!%= s'n ;~rfng vr{÷s'n ;DklQ Æ 3.14 9.80 8.75 7.89 6.77

!^= hf]lvd efl/t ;DklQdf kF"hL sf]ifsf] kof{Kttf

-s_ k|fylds kF"hL k|ltzt 14.36 11.73 11.26 11.61 12.30

-v_ k"/s kF"hL Æ 0.90 0.91 0.88 0.91 0.87

-u_ s'n kF"hL sf]if Æ 15.26 12.64 12.14 12.52 13.17

!&= t/ntf (CRR) cg'kft 7.75 28.22 8.06 6.64 7.95

!*= lgis[o shf{÷s'n shf{ k|ltzt 0.96 0.86 0.59 0.45 0.19

!(= Aofh b/ cGt/ (Weighted Average Interest Rate Spread)

Æ 10.19 7.16 8.76 9.76 8.60

@)= a's g]6jy{ ?= 220,107,228 282,952,029 398,478,135 595,787,682 972,045,960

@!= s'n ;]o/ ;+Vof 2,000,000 2,000,000 2,450,000 3,675,000 6,400,250

@@= s'n sd{rf/L ;+Vof 267 275 315 409 479



57

d'lQmgfy ljsf; a}“s lnld6]8;+:yfks÷;+:yfks ;d"xsf ;]o/wgLn] cfkmgf] :JffldTjdf /x]sf] ;]o/ cGo a}Fs tyf ljQLo

;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f@)&@, c;f/ d;fGt

cg';"rL $=#$

qm+= ;+=

;+:yfks÷;+:yfks ;d"x cGtu{t kg]{ ;]o/wgLsf] gfd

;+:yfkssf] :jfldTjdf sfod

/x]sf] ;]o/shf{ ljj/0f

s}lkmots'n lsQf ;+Vof

s'n r'Qmf kF"hLsf] k|ltzt

shf{ lnPsf] cGo a}Fs ljQLo ;+:yfsf] gfd

shf{ /sd

lwtf]df /x]sf] ;]o/ lsQf ;+Vof

1 - - - - - -

2 - - - - - -

3 - - - - - -

4 - - - - - -

5 - - - - - -



58

rf}yf] q}df;sf] k|sflzt ljQLo ljj/0fUnaudited Financial Results (Quarterly)

As at 4th Quarter (2072-03-31) of the Fiscal Year 2071/072

(Rs. in '000)

S.N. Particulars This Quarter Ending

Previous Quarter Ending

Corresponding Previous Year

Quarter Ending 1 Total Capital & Liabilities (1.1 to 1.7) 9,091,969.59 7,659,571.57 6,090,472.19

1.1 Paid-up Capital 640,025.00 599,025.00 367,500.00

1.2 Reserves and Surplus 357,876.45 268,152.30 235,792.22

1.3 Debenture and Bond - - -

1.4 Borrowings 27,470.00 40,140.00 98,150.00

1.5 Deposits (a+b) 7,781,557.59 6,479,742.23 5,197,885.49

a. Domestic Currency 7,781,557.59 6,479,742.23 5,197,885.49

b. Foreign Currency - - -

1.6 Income Tax Liabilities - - 3,419.32

1.7 Other Liabilities 285,040.55 272,512.04 187,725.16

2 Total Assets (2.1 to 2.7) 9,091,969.59 7,659,571.57 6,090,472.19

2.1 Cash & Bank Balance 715,355.39 491,444.39 387,359.75

2.2 Money at call and short Notice 1,410,411.04 1,069,478.01 1,075,302.56

2.3 Investments 103,377.71 98,153.31 65,768.94

2.4

Loans & Advances (Gross) (a+b+c+d+e+f)

6,703,645.41 5,814,546.84 4,440,887.61

a. Real Estate Loan 230,751.36 165,151.91 90,636.341. Residential Real Estate Loan (Except Personal Home Loan upto Rs 10 million) - - -

2. Business Complex & Residential Apartment Construction Loan - - -

3. Income generating Commercial Complex Loan - - -

4. Other Real Estate Loan (Including Land Purchase & Plotting) 230,751.36 165,151.91 90,636.34

b. Personal Home Loan of Rs. 10 million or less

1,056,727.74 901,687.44 717,105.28

c. Margin Type Loan - - -

d. Term Loan 1,214,375.00 968,687.87 698,086.62

e. Overdraft Loan / TR Loan / WC Loan 1,008,408.62 933,738.13 714,106.98

f. Others 3,193,382.68 2,845,281.49 2,220,952.40

2.5 Fixed Assets 96,466.54 89,044.76 67,047.86

2.6 Non Banking Assets 7,273.11 - -

2.7 Other Assets 55,440.39 96,904.26 54,105.46

3 Profit and Loss Account - - -

3.1 Interest income 894,096.23 589,896.21 613,588.54



59

S.N. Particulars This Quarter Ending

Previous Quarter Ending

Corresponding Previous Year

Quarter Ending 3.2 Interest Expense 378,407.34 248,037.19 286,732.48

A Net Interest Income (3.1-3.2) 515,688.89 341,859.02 326,856.06

3.3 Fees Commission and Discount 12,126.22 6,912.03 8,010.29

3.4 Other Operating Income 106,747.49 72,732.81 80,411.91

3.5 Foreign Exchange Gain/Loss (Net) - - -

B Total Operating Income (A+3.3+3.4+3.5)

634,562.60 421,503.86 415,278.25

3.6 Staff Expenses 141,120.44 93,185.79 89,024.79

3.7 Other Operating Expenses 107,568.22 67,071.80 78,231.47

C Operating profit Before Provision (B-3.6-3.7)

385,873.94 261,246.27 248,021.99

3.8 Provision for Possible Loss 16,048.10 13,884.08 17,143.01

D Operating profit (C-3.8) 369,825.84 247,362.20 230,878.99

3.9 Non Operating Income/Expenses (Net)

5,080.28 4,717.26 7,977.70

3.10 Write Back of Provision for Possible Loss

- - -

E Profit From Regular Activities (D+3.9+3.10)

374,906.11 252,079.46 238,856.69

3.11 Extraordinary Income/Expenses (Net) (2,926.93) - -

F Profit Before Bonus and Taxes (E+3.11)

371,979.19 252,079.46 238,856.69

3.12 Provision For Staff Bonus 33,816.29 22,916.31 21,714.24

3.13 Provision For Tax 101,448.87 68,748.94 65,142.73

G Net Profit/Loss (F-3.12 -3.13) 236,714.03 160,414.20 151,999.71

4 Ratios (Mandatory) - - -

4.1 Capital Fund to RWA 13.52% 13.49% 12.66%

4.2 Non Performing Loan (NPL) to Total Loan

0.19% 0.39% 0.44%

4.3 Total Loan Loss Provision to total NPL 625.52% 344.99% 321.03%

4.4 Cost of Funds (LCY) 5.99% 5.79% 6.19%

4.5 CD Ratio (Calculated as per NRB Directives)

76.37% 79.16% 76.56%

4.6 Base Rate 10.63% 10.30% 10.31%* The figures of Previous Quarter Ending and Corresponding Previous Year Quarter Ending are the

figures of Muktinath Bikas Bank Ltd. only.* Loans & Advances and Non Banking Assets are being presented on gross basis and loss provisions

are being included on other liabilities.* Previous period figures have been regrouped/rearranged whereever necessary.* Above figures are subject to change upon otherwise instructions of Statutory Auditors and/or

Regulatory Authorities.



60

d'lQmgfy ljsf; a}“s lnld6]8Comparison of Unaudited and Audited Financial Statement as of F/Y 2071/072

cg';"rL $=#%

Rs. in '000

S.No. Particulars

As per Unaudited Financial Statement

As per Audited Financial Statement

Variance Reasons for

variance In Amount In %

1 Total Capital and Liabilities(1.1 to 1.7)

9,091,970 9,000,472 (91,498) (1.01) -

1.1 Paid Up Capital 640,025 838,433 198,408 31.00 Due to proposed bonus share

1.2 Reserves and Surplus 357,876 133,613 (224,263) (62.67) Audit adjustments

1.3 Debenture and Bond - - - - 1.4 Borrowings 27,470 27,470 - - 1.5 Deposit (a+b) 7,781,558 7,781,558 - -

a. Domestic Currency 7,781,558 7,781,558 - - b. Foreign Currency - - - -

1.6 Proposed Cash Dividend - 10,443 (10,443) - Due to proposed cash dividend

1.7 Income Tax Liability - - - - 1.8 Other Liabilities 285,041 208,955 76,086 26.69 Provision

for loan at unaudited is shown at other liabilities now netting with loan

2 Total Assets (2.1 to 2.7) 9,091,970 9,000,473 (91,497) (1.01) 2.1 Cash & Bank Balance 701,856 715,356 13,500 1.92 Current

account balance transfer from money at call to Bank balance

2.2 Money at Call and Short Notice

1,423,911 1,410,411 (13,500) -

2.3 Investments 103,378 103,472 94 0.09 Adjusted sale of Arunvalley's shares

2.4 Loans and Advances 6,703,645 6,625,260 (78,385) (1.17) Audited netting

2.5 Fixed Assets 96,467 96,468 1 - Depreciation adjusted

2.6 Non Banking Assets 7,273 - (7,273) (100.00) Audited netting



61

S.No. Particulars





2.7 Other Assets 55,440 49,506 (5,934) (10.70) Advance corporate tax adjusted in profit & loss.

3 Profit and Loss Account - - - 3.1 Interest Income 894,096 836,243 (57,853) (6.47) Audited Civic

Development Bank interest transfer to reserve

3.2 Interest Expenses 378,407 350,796 (27,611) (7.30) Audited Civic Development Bank interest transfer to reserve

A. Net Interest Income (3.1-3.2)

515,689 485,447 (30,242) (5.86)

3.3 Fees, Commissions and Discounts

12,126 12,372 246 2.03 Audited Remittance commission gross up booked & Civic adjusted.

3.4 Other Operating Income 106,747 91,065 (15,682) (14.69) Audited Civic Development Bank Other OP. Income transfer to reserve

3.5 Foreign Exchange Gain/Loss(Net)

- - - -

B. Total Operating Income(A+3.3+3.4+3.5)

634,562 588,884 (45,678) (7.20)

3.6 Staff Expenses 141,120 133,492 (7,628) (5.41) Audited Civic Development Bank staff exp. transfer to reserve

3.7 Other Operating Expenses

107,568 95,427 (12,141) (11.29) Audited Civic Development Bank Other OP. Expenses transfer to reserve

C. Operating Profit before Provision(B-3.6-3.7)

385,874 359,965 (25,909) (6.71)



62

S.No. Particulars





3.8 Provision for Possible Losses

30,429 29,505 (924) (3.04) Provision adjusted

D. Operating Profit(C-3.8)

355,445 330,460 (24,985) (7.03)

3.9 Non Operating Income/Expenses(Net)

5,080 2,190 (2,890) (56.89) Audited Civic Development Bank transfer to reserve

3.10 Write Back of Provision for Possible Losses

14,381 14,381 - -

E. Profit from Regular Activities(D+3.9+3.10)

374,906 347,031 (27,875) (7.44)

3.11 Extraordinary Income/Expenses(Net)

(2,927) - 2,927 Audited netting effect

F. Profit before Bonus and Taxes (E+3.11)

371,979 347,031 (24,948) (6.71)

3.12 Provision for Staff Bonus 33,816 31,548 (2,268) (6.71) As per above effect.

3.13 Provision for Tax 101,449 97,839 (3,610) (3.56) Final Tax Calculation

G. Net Profit/Loss (F-3.12-3.13)

236,714 217,644 (19,070) (8.06) As per above effect.



63

cg';"rL $=#@

d'lQmgfy ljsf; a}“s lnld6]8 k[YjLrf]s, kf]v/f

k|d'v n]vf gLltx¿cfly{s jif{ @)&!÷)&@

sDkgLsf] hfgsf/L tyf n]vfÍgsf] cfwf/ s= ;fdfGo hfgsf/L MsDkgL P]g @)^# cGtu{t, klAns lnld6]8sf] ?kdf, ldlt @)^@.!@.@@ df btf{ ePsf] o; d'lQmgfy ljsf; a}Fs lnld6]8, g]kfn /fi6« a}Fsaf6 Ohfht k|fKt ævÆ ju{sf] ljQLo ;+:yf xf] . o; ljsf; j}+ssf] /lhi68{ tyf s]Gb|Lo sfof{no, sf:sL lhNnf, kf]v/f pkdxfgu/kflnsf–(, k[YjLrf]sdf /x]sf] 5 . o;sf] cf=j= @)&!.)&@ cfiff9 d;fGt ;Dd, @* j6f cfw'lgs aF}lsË zfvf sfof{nox¿, !& j6f ;Lldt a}+lsË sfof{nox¿, / # j6f PS;6]G;g sfpG6/x¿ u/L, s'n $* j6f sfof{nox¿ dfkm{t ljQLo ;]jf ;~rfng ub}{ cfPsf] 5 .

o;n] @)&@, c;f/ ̂ ut] a;]sf] ljz]if ;fwf/0f ;efsf] :jLs[lt, tyf g]kfn /fi6« a}Fssf] @)&@, c;f/ @$ ut]sf] clGtd :jLs[tL kZrft\, l;les 8]enkd]G6 a}Fs ln=nfO{ k|flKt u/L, @)&@, c;f/ #) ut]b]lv PsLs[t ljQLo sf/f]af/ z'? u/]sf] xf] . k|flKtsf] nflu ePsf] ;xdlt cg'?k, l;les 8]enkd]G6 a}Fs ln=sf] ;]o/nfO{ ?= *@=)) k|lt ;]o/ -;fljssf] l;les 8]enkd]G6 a}Fs ln=sf ;]o/wgLx¿nfO{ ?= !))=)) a/fa/ ?= *@=))_ d"NofÍg u/L, ;f]xL cg';f/ d'lQmgfy ljsf; a}Fs ln=sf] ;]o/ hf/L ul/Psf] xf] . k|fKt ;+:yfnfO{ hf/L ul/Psf] ;]o/, g]kfn :6s PS;r]Ghdf ;"lrs[t eO{, @)&@, cflZjg )& ut]b]lv sf/f]af/ x'Fb} cfPsf] 5 .

ljQLo ljj/0fx¿, ;~rfns ;ldltsf] ldlt @)&@, sflt{s !& ut]sf] a}7saf6 kfl/t eO{, k|sfzgsf] nflu :jLs[lt k|bfg ul/Psf] xf] .v= n]vfÍgsf] cfwf/ Mo; ljsf; a}Fssf ljQLo ljj/0fx¿ P]ltxfl;s d"No cjwf/0ff (Historical Cost Convention) cg';f/ tof/ ul/Psf 5g\ . o;sf k|:t't ljQLo ljj/0fx¿, ;fdfGo n]vf l;4fGt, a}FlsË Aoj;fodf k|rlnt cGo cfwf/x¿, a}Fs tyf ljQLo ;+:yf ;DaGwL P]g, g]kfn /fi6« a}Fsaf6 hf/L ul/Psf lgb{]zgx¿ tyf g]kfn n]vfdfg cflb ;d]tsf cfwf/x¿df tof/ ul/Psf 5g\ . g]kfn n]vfdfg tyf n]vfsf] ;j{dfGo l;4fGt adf]lhd, ljQLo ljj/0fx¿ tof/ ubf{, cfnf]rgfTds n]vf cg'dfgx¿ ul/G5g\, ;fy} n]vfgLltdf nfu' ug]{ qmddf ljj]s ;d]t k|of]u ul/Psf] x'G5 . u= n]vfgLltx¿sf] ;f/f+z MljQLo ljj/0fx¿ b]xfosf k|d'v n]vfgLltx¿sf] cfwf/df tof/ ul/Psf] 5 . cGoyf pNn]v ul/Psf]df jfx]s x/]s jif{sf] n]vfgLltdf Ps?ktf /x]sf] 5 .



64

!= l:y/ ;DklQ-s_ l:y/ ;DklQsf] d"NofÍg ubf{ ;f] ;DklQ vl/b, / lgdf{0f ubf{ nfu]sf nfut d"Nox¿sf ;fy} ;f];+u ;DalGwt cGo k|ToIf vr{x¿ ;d]t ;dfj]z ul/Psf 5g\ . ?= %,))) jf ;f] eGbf sd /sd kg]{ ;DklQx¿nfO{ vl/b ePsf] jif{df vr{ n]Vg] ul/Psf] 5 .

-v_ l:y/ ;DklQsf] x|f;s§L 36\bf] b/ k|0ffnL cg';f/, cfos/ P]g, @)%* n] tf]s]sf] x|f; b/n] lx;fj u/L, vr{ n]lvPsf] 5 . cb[Zo ;DklQ (Software, Leasehold) sf] eg] % jif{ leq ;dfg'kflts 9+un] x|f;s§L ug]{ ul/Psf] 5 .

-u_ k|:t't jif{df vl/b Pj+ kF"+hLs/0f ul/Psf ;DklQx¿df, vl/b, jf k|fKt u/]sf] dlxgfsf] csf]{ dlxgf b]lv x|f; s§L u/L, vr{ n]Vg] Joj:yf ul/Psf] 5 . laqmL tyf ckn]vg ul/Psf] l:y/ ;DklQsf] xsdf, laqmL tyf ckn]vg ePsf] ldlt;Dd x|f; s§L ul/Psf] 5 .

@= nufgL -s_ a}Fsn] k"/f cjlw;Dd /fVg] clek|fo (Long Term Holding Motive) n] u/]sf] nufgLnfO{ ckn]lvt nfut (Amortised Cost) df d"NofÍg ug]{ gLlt /x]sf] 5 . k/n d"No (Cost Price) af6 Iflt (Impairments) 36fP/ ckn]lvt nfut u0fgf u/L, IfltnfO{ ;DalGwt cjlwsf] gfkmf÷gf]S;fg lx;fj vftfdf ;dfj]z ug]{ gLlt /x]sf] 5 .

-v_ cNksfndf, d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] u/]sf] Jofkfl/s nufgL (Held for Trading) nfO{ ahf/b/ cg'?k, b}lgs ?kdf d"NofÍg ug]{ (Marked to Market on Daily Basis) / d"Nodf x'g] leGgtfnfO{ gfkmf÷gf]S;fg lx;fj vftfdf ;dfj]z ug]{ gLlt /x]sf] 5 .

-u_ Jofkfl/s nufgL (Held for Trading) / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) cGtu{t gkg]{ ;Dk"0f{ nufgLnfO{ ljqmLsf] nflu pknAw nufgL (Available for Sale) sf] ?kdf juL{s/0f ug]{ gLlt /x]sf] 5 . laqmLsf] nflu pknAw nufgL kf]6{kmf]lnof] -Available for Sale Portfolio_ sf] @ k|ltzt ;Ddsf] /sd k'/s k"F"hL (Supplementary, or Tier-2 Capital) df u0fgf x'g] nufgLnfO{ ;dfof]hg sf]if (Investment Adjustment Reserve) v8f u/L /fVg] gLlt /x]sf] 5 . g]kfn /fi6« a}Fssf] lgb]{zfg';f/, u|f]df]/ dr]{G6 a}Fs/ ln=sf] ;]o/df u/]sf] ;Dk"0f{ nufgL, /sdnfO{ gfkmf–gf]S;fg lx;fjdf vr{ n]vL, nufgL ;dfof]hg sf]ifdf /flvPsf] 5 . k|:t't cfly{s jif{df, a}Fsaf6 ePsf nufgL tyf ljQLo ;+:yfx¿df u/]sf cfjlws l8kf]lh6 /sdx¿nfO{ o; cGt{ut b]vfOPsf 5g\ . sDkgLn] nufgL lx;fjsf] d"NofÍg ubf{, g]kfn /fi6« a}Fssf] lgb]{zgsf] clwgdf /xL, d"NofÍg ug]{ gLlt lnPsf] 5 .

-3_ u}x| a}+lsË ;DklQM shf{ c;"n ug]{ l;nl;nfdf, ;'a]bL lkm8\;, / o'j/fh d'NdLsf] lwtf] lnnfd laqmL ubf{, lwtf] ;'/If0f laqmL geO{ cfkm}n] ;sf/ ug'{ k/]sf]n], lnnfd ;sf/ ug]{ cl3Nnf] lbg ;Ddsf] pQm shf{sf] ;Dk"0f{ n]gf /sd ?= &@,&#,!!@÷– -cIf/]kL axQ/ nfv lt/xQ/ xhf/ Ps ;o afx| dfq_ u}/ a}+lsË ;DklQdf n]vfÍg ul/Psf] 5 . pQm /sd a/fa/ u}/a}+lsË ;DklQdf gf]S;fgL Joj:yf sfod ul/Psf] 5 .



65

#= ;Defljt shf{ gf]S;fgL Joj:yf tyf c;'nL x'g g;Sg] shf{sf] ckn]vg gLltjiff{Gtdf c;"n ug{ afFsL s"n shf{ tyf ;fk6LnfO{ g]kfn /fi6« a}Fssf] lgb]{zg cg';f/ jlu{s/0f u/L, hf]lvd Aoxf]g]{ sf]ifsf] Aoj:yf ug]{ gLlt /x]sf] 5 .o; ljsf; a}Fsn], g]kfn /fi6« a}Fssf] lgb]{zgdf pNn]v eP cg'?k æs'g} shf{sf] efvf gf3]sf] cjlw kfFr jif{ k'/f ePsf], jf ztk|ltzt gf]S;fgL Joj:yf u/L ;s]sf] cj:yfdfÆ tyf ljsf; a}FsnfO{ s'g} shf{ c;"n pk/ x'g g;Sg] nfu]df, pQm shf{nfO{, ;f] C0f pk/ a}Fssf] bfjLnfO{ cljlR5Gg /fvL, lstfaL ckn]vg ug]{ gLlt cjnDjg u/]sf]] 5 . vftfaf6 ckn]vg u/L ;s]sf] shf{af6 c;"n pk/ x'g] ;fFjf tyf Jofh /sdnfO{, k|fKt ePsf] jif{df cfDbfgL hgfpg] gLlt /x]sf] 5 .

$= sd{rf/L pkbfg Joj:yf sDkgLsf sd{rf/Lx¿sf] cjsfz nfesf] nflu sd{rf/L ;]jf ljlgodfjnL–@)^*, -;+zf]wg ;lxt_ cg';f/ pkbfg, bfloTj lglZrt u/L, ;f]xL cg';f/ Aoj:yf ug]{ ul/Psf] 5 .

%= ljbf jfktsf] /sd sd{rf/L ljbf jfktsf] e'QmfgLnfO{ k|f]befjL (Accrual Basis) cfwf/df sd{rf/L ;]jf ljlgodfjnL–@)^*, -;+zf]wg ;lxt_ cg';f/ lglZrt u/L, n]vfÍg ul/Psf] 5 .

^= :6]zg/L df}Hbft;+:yfn] vl/b u/]sf :6]zg/L tyf 5kfO{sf ;dfu|Lx¿sf] pkof]usf] cfwf/df vr{ n]vL, jiff{Gtdf afFsL /x]sf :6]zg/L ;fdfu|Lx¿nfO{ df}Hbftsf] cfwf/df, nfut d"Nodf n]vfÍsg ug]{ gLlt lnOPsf]5 .

&= cfos/ Joa:yf -s_ cfos/ P]g @)%* -;+zf]wg ;lxt_ adf]lhd, cfos/ u0fgf u/L, Joj:yf ug]{ gLlt /x]sf]] 5 .

-v_ n]vfÍg ul/Psf] (Accounting Base) /sd, / cfos/ P]g @)%* cg';f/ u0fgf ul/Psf] s/ cfwf/ (Tax Base) /sddf x'g] c:yfoL km/s tyf bfjLof]Uo s/ ;DaGwL gf]S;fgLnfO{, g]kfn n]vfdfg )( (NAS 09) cg';f/ æ:yug ul/Psf] s/ vr{÷cfDbfgLÆ (Deferred Tax Expense/Income), æ:yug ul/Psf] s/ ;DklQÆ (Deferred Tax Assets) tyf æ:yug ul/Psf]] s/ bfloTjÆ (Deferred Tax Liability) sf] Aoj:yf ug]{ n]vf gLlt /x]sf] 5 .

*= :yug ul/Psf] vr{ kl/zf]wg (Amortization of Deferred Expenses) M-s_ lnhxf]N8 ljsf; vr{nfO{ kfFr jif{, jf ;Demf}tf cg';f/sf] afFsL cjlwdWo] h'g sd x'G5, ;f]xL cfwf/df kl/zf]wg ug]{ gLlt /x]sf] 5 . -v_ sDKo"6/ l;i6ddf kl/dfh{g tyf ljsf; ug{ ePsf] vr{nfO{, kfFr jif{sf] cjlwdf kl/zf]wg (Amortization/ Write-off) ug]{ gLlt /x]sf] 5 .



66

(= cfDbfgL tyf vr{sf] n]vfÍgAofh u0fgf ljlw -s_ lgIf]kdf lbO{g] tyf shf{df lnOg] Aofh #^% lbgnfO{ Ps aif{sf] cfwf/ dfg]/ u0fgf u/LPsf] 5 .

-v_ lgIf]k bfloTjdf lbO{g] AofhnfO{ pkfh{gsf] cfwf/df (Accrual Basis) vr{ hgfO{Psf] 5 .

-u_ shf{ ;fk6Laf6 k|fKt x'g] AofhnfO{ gub k|fKtLsf] cfwf/df (Cash Basis) cfDbfgL hgfO{Psf] 5, h'g kfs]sf] cfwf/df cfDbfgL hgfpg' kg]{ g]kfn n]vfdfg–)& (NAS-07) cg'?k 5}g .sldzg cfDbfgL hdfgt hf/L u/] jfktsf] sldzgnfO{ gub k|flKtsf] cfwf/df n]vfÍg ul/Psf] 5 . nfef+z cfDbfgL ;]o/ tyf Do"r'cn km08df nfef+z k|fKt ug]{ clwsf/ :yflkt ePdf, nfef+z cfDbfgL hgfpg] gLlt /x]sf] 5 . af]gz ;]o/ k|fKt ubf{ nfut d"No oyfjt /fvL, ;]o/ ;+Vof dfq j[l4 ug]{ gLlt /x]sf] 5 . cGo nufgL cfDbfgL ljsf; C0fkq, /fli6«o art kq tyf cfjlws lgIf]k h:tf nufgLx¿af6 k|fKt x'g] AofhnfO{ pkfh{gsf] cfwf/df, cfDbfgL hgfO{g] gLlt lnOPsf] 5 .

!)= k|flKt ePsf] l;les 8]enkd]G6 a}Fs ln=sf] n]vf ;dfof]hg l;les 8]enkd]G6 a}Fs ln=, / d'lQmgfy ljsf; a}Fs lnld6]8sf @)&@.)#.@( sf ljQLo ljj/0fx¿ tof/ u/L, ;f]xL ldltdf b'j} ;+:yfx¿sf] ;DklQ tyf bfloTjx¿nfO{ d'lQmgfy ljsf; a}Fs lnld6]8sf] jf;nftdf ;dfof]hg ul/Psf] 5 . k|flKt ePsf] ;+:yfsf] gfkmf÷gf]S;fg lx;fj tof/ u/L, ;+lrt d'gfkmfdf /sdfGt/ ul/Psf] 5 . k|flKt ePsf] ;+:yfsf] l:y/ ;DklQx¿ lstfaL d"Nodf, d'lQmgfy ljsf; a}Fs lnld6]8df ;dfof]hg ul/Psf] 5 . k|flKt ePsf] ;+:yfsf] ;+lrt gfkmf÷gf]S;fg tyf cGo hu]8f sf]ifx¿, OlSjl6df ePsf] kl/jt{gdf cnUu} b]vfP/, ;DalGwt lzif{sx¿df ;dfof]hg ul/Psf] 5 . k|fKt ;+:yfsf] ;]o/wgLx¿nfO{ d'lQmgfy ljsf; a}Fs lnld6]8sf] ;]o/ hf/L ubf{, ;]o/ :jfk cg'kftaf6 pTkGg ePsf] km/s /sdnfO{, g]kfn /fi6« a}Fssf] lgb{]zfg';f/, kF"hLut hu]8f sf]ifdf ;dfof]hg ul/Psf] 5 .



67

n]vf ;DaGwL l6Kk0fLx¿

!= l;les 8]enkd]G6 a}Fs lnld6]8sf] k|flKt Md"lQmgfy ljsf; a}¤s ln=n] 2072, c;f/ 6 ut] a;]sf] ljz]if ;fwf/)f ;efsf] :jLs[lt, tyf g]kfn /fi^« a}¤s sf] 2072, c;f/ 24 ut]sf] clGtd :jLs[lt kZrft\, l;les *]enkd]G^ a}¤s ln=sf] k|flKt u/L, 2072, c;f/ 30 ut] b]lv Plss[t ljQLo sf/f]af/ z"? u/]sf] xf] . k|flKtsf nflu ePsf ;xdltx¿ cg"?k, l;les *]enkd]G^ a}¤s ln=sf] ;]o/nfO{ ?= 82=00 k|lt ;]o/ -;fljssf] l;les *]enkd]G^ a}¤s ln=sf ;]o/wgLx¿nfO{ ?= 100=00 a/fa/ ?= 82=00_ d'Nof°g u/L, ;f]xL cg";f/, d"lQmgfy ljsf; a}¤s ln=sf] ;]o/ hf/L ul/Psf] xf] . k|fKt ;+:yfnfO{ hf/L ul/Psf] ;]o/, g]kfn :^s PS;r]Ghdf ;'rLs[t eO{, 2072, cflZjg 07 ut]b]lv sf/f]af/ x"+b} cfPsf] % .

@= k"FhLut ;+/rgf, / r'Qmf k"FhL -?= xhf/df_

ljj/0f /sd

z'?sf] df}Hbft 5,07,150

l;les 8]enkd]G6 a}Fs lnld6]8sf ;]o/wgLx¿nfO{ hf/L ul/Psf] ;]o/ /sd 41,000

clu|d ;]o/ k"FhLsf] lgisfzg 91,875

clGtd df}Hbft 6,40,025

#= k"FhLut hu]8f sf]if l;les 8]enkd]G6 a}Fs lnld6]8sf ;]o/wgLx¿nfO{ d'lQmgfy ljsf; a}Fs ln=sf] ;]o/ hf/L ubf{, ;]o/ :jfk cg'kftaf6 pTkGg ePsf] km/s /sd ?=(),)),))) nfO{ g]kfn /fi6« a}Fsåf/f hf/L Plss[t lgb]{lzsfsf] lgb{]zg g+ )$÷@)&! cg';f/, kF"hLut hu]8f sf]ifdf /sdfGt/ ul/Psf] 5 .

$= ;fljssf] l;les 8]enkd]G6 a}Fsaf6 :yfgfGt/0f ePsf ;DklQ, / bfloTj ljj/0fx¿;fljssf] l;les 8]enkd]G6 a}Fs lnld6]8sf vftfx¿ @)&@, c;f/ @( ut] aGb ul/Psf] xf] . b'j} ;+:yfx¿sf] @)&@, c;f/ #) b]lv @)&@, c;f/ d;fGt;Ddsf] gfkmf–gf]S;fg lx;fj l;les 8]enkd]G6 a}Fss} n]vfdf ;dfj]z ul/Psf] 5 . ;fy} b'j} ;+:yfx¿sf] ;DklQ tyf bfloTjx¿nfO{, lstfjL d'Nodf, d'lQmgfy ljsf; a}Fs lnld6]8sf] n]vfdf :yfgfGt/0f ul/Psf] 5 . k|fKt laQLo ;+:yfsf] c;f/ @(, @)&@, ;Ddsf] kl/is[t ljQLo ljj/0f o; k|sf/ /x]sf] 5 .



68

-?= xhf/df_k"FhL tyf bfloTj /sd;]o/ k"FhL 50,000

k"FhLut hu]8f sf]ifhu]8f tyf sf]ifx¿ 13,563

lgIf]k bfloTj 4,85,599

cGo bfloTjx¿ 12,619

s'n k"FhL tyf bfloTj 5,61,781

;DklQ /sdgub df}Hbft 16,805

a}Fs ÷ljQLo ;+:yfx¿df /x]sf] df}Hbft 25,260

dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 117,694

nufgL 5,220

shf{ ;fk6 tyf ljn vl/b 3,81,311

l:y/ ;DklQ 9,920

cGo ;DklQ 5,572

s'n ;DklQ 5,61,781

ljj/0f /sdJofh cfDbfgL 57,900

Jofh vr{ 27,611

v'b Jofh cfDbfgL 30,289

sldzg tyf l8:sfpG6 1,469

cGo ;~rfng cfDbfgL 5,755

;6xL 36a9 cfDbfgL -

s'n ;~rfng cfDbfgL 37,512

sd{rf/L vr{ 8,535

cGo ;~rfng vr{ 11,523

;6xL 36a9 gf]S;fg -

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 17,453

;Defljt gf]S;fgL Joa:yfx¿ 981

;~rfng d'gfkmf 16,472

u}/ ;~rfng cfDbfgL, / vr{ 8

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ -

lgoldt sf/f]af/af6 ePsf] d'gfkmf 16,480

c;fdfGo sf/f]af/x¿af6 ePsf] cfDbfgL vr{ -

;Dk"0f{ sf/f]af/x¿ ;dfj]z kl5sf] v'b d'gfkmf 16,480

sd{rf/L jf]g; Joj:yf 1,498

cfos/ Joj:yf 5,394

o; jif{sf] s/ Joa:yf 4,571

ljut jif{;Ddsf] s/ Joa:yf -

o; aif{sf] :yug s/ -cfDbfgL_÷vr{ 823

v'b gfkmf÷-gf]S;fgL_ 9,588



69

%= lx;fj ldnfg l:ylt a}Fsn] lgoldt ?kdf zfvfx¿;+usf vftfx¿sf] lx;fj ldnfg ug{] u/]sf] 5 . o; cfly{s jif{sf] cGt;Dddf l/sG;fOn ePsf, t/ ldnfg x'g afFsL /sdx¿sf] l:ylt lgDg adf]lhd /x]sf] 5 .

ljj/0fs"n/sd

# dlxgf ;Ddsf]

# b]lv ^ dlxgf;Ddsf]

^ dlxgf b]lv ! jif{ ;Ddsf]

! jif{ eGbf dflysf]

cGt/ zfvf !,)%! !,)%! - - -

^= ut jif{sf] cÍx¿sf] t'ngf jf;nftsf cÍx¿ M jf;nftsf ut jif{sf cÍx¿, d'lQmgfy ljsf; a}Fs lnld6]8sf dfq ut jif{sf] kl/is[t cÍx¿ x'g\ eg], o; jif{sf cÍx¿ d'lQmgfy ljsf; a}Fs lnld6]8, / l;les 8]enkd]G6 a}Fs lnld6]8sf] k|flKt kl5sf ;dfof]lht cÍx¿ x'g\ . Gffkmf–gf]S;fgsf cÍx¿ M gfkmf–gf]S;fgsf ut jif{sf cÍx¿, d'lQmgfy ljsf; a}Fs lnld6]8sf dfq ut jif{sf] kl/is[t cÍx¿ x'g\ . o; jif{sf cÍx¿df d'lQmgfy ljsf; a}Fs lnld6]8sf] jflif{s, / l;les 8]enkd]G6 a}Fs ln=sf b'O{ lbgsf] gfkmf–gf]S;fgdf ;dfof]lht cÍx¿ x'g\ . ut jif{sf] /sd tyf Rounding Off : ljQLo ljj/0f g]kfnL ?k}ofFdf k|:t't ul/Psf], / bzdnj k5fl8sf] cÍnfO{ lgs6td ?k}ofFdf b]vfO{Psf] 5 . ut jif{sf cÍx¿nfO{ cfjZostfg';f/ k'gjuL{s/0f tyf k'gM ;dfof]hg ul/Psf] 5 .

&= lx;fj ldnfg geO{ aSof}tf /x]sf] ljj/0fx¿ s]lx gePsf]

*= cfly{s jif{sf] cGTodf o; ljsf; a}Fsn] ?= 6,703,645,409/- sf] s'n shf{ k|jfx u/]sf] 5, h; dWo] ?=49,797,399/- cfˆg} d'2tL /l;bsf] lwtf]df k|jfx ePsf] 5 .

(= lgIf]k bfloTjsf] ljj/0f M

qm=;+= ljj/0f o; jif{ -?_ ut jif{ -?=_

! rNtL tyf dflh{g lgIf]k 107,337,171 68,146,905

@ art lgIf]k 4,693,003,724 3,133,201,491

# d'2tL lgIf]k 1,753,726,592 1,045,903,346

$ dfu]sf] avt ltg'{kg]{ lx;fj 1,227,490,106 950,083,750

hDdf 7,781,557,593 5,197,885,492



70

!)= lgIf]k, / shf{sf] cf};t Aofhb/sf] cGt/ b]xfo adf]lhd 5 Mqm=;+= ljj/0f o; jif{ -?=_

!= shf{ ;fk6L tyf nufgLdf cf}ift Aofhb/ 14.59@= lgIf]k tyf ;fk6Ldf cf}ift Aofhb/ 5.99

Aofhb/ cGt/ 8.60

!!= ckn]vg x'g afFsL vr{sf] ljj/0f o; k|sf/ 5 M

qm=;+=

ljj/0f

ut jif{;Ddsf] afFsL-?=_

o; jif{ yk -?=_

s"n -?=_ o; jif{ vr{ -?=_

l;les 8]enkd]06 a}Fs ln=af6

afFsL -?=_

1sDKo"6/ ;ˆ6jo/

5,270,382 1,084,979 6,355,361 1,584,726 877,068 5,647,703

2lnh xf]N8 vr{

12,709,303 16,937,528 29,646,831 6,618,027 3,335,651 26,364,455

hDdf 17,979,685 18,022,507 36,002,192 8,202,753 4,212,719 32,012,158

!@= o; ljsf; a}Fssf] ;DklQ, / bfloTj;+u ;DalGwt sf/f]af/, / jf;nft aflx/sf] sf/f]af/ s'g} Ps AolQm, kmd{ sDkgL, jf ;+u7Lt ;+:yf tyf s'g} Ps If]qdf clws]lGb|t -sDkgLsf] ;~rfns ;ldltn] tf]s]sf] ;Ldf eGbf a9L_ gePsf] .

!#= t/ntf ljj/0f tflnsf M

;DklQ 1–90 lbg 91–180 lbg

181–270 lbg

271–365 lbg

1 jif{ eGbf a(L

s"n /sd -?=_

gub df}Hbft 226,586 - - - - 226,586

a}+s tyf ljQLo ;+:yfx¿df df}Hbft 475,270 - - - - 475,270

sn dlg 1,423,911 - - - - 1,423,911

shf{ ;fk^ 496,537 655,540 934,126 1,111,562 3,505,881 6,703,645

kfpg" kg]{ Aofh 36,441 1,012 1,012 1,012 1,012 40,490

cGo 53,842 1,912 1,458 18,673 64,462 140,348

s"n ;DklQ 2,712,586 658,464 936,596 1,131,247 3,571,356 9,010,250

bfloTj

rNtL lgIf]k 53,669 16,101 10,734 10,734 16,101 107,337

art lgIf]k 937,887 703,415 703,415 703,415 1,641,302 4,689,434



71

;DklQ 1–90 lbg 91–180 lbg

181–270 lbg

271–365 lbg

1 jif{ eGbf a(L

s"n /sd -?=_

d"@lt lgIf]k 367,412 307,930 179,718 532,351 369,885 1,757,297

;fk^L 429,622 184,124 122,749 122,749 395,717 1,254,960

cGo bfloTj tyf Joj:yfx¿ 79,960 5,859 6,014 40,563 67,264 199,659

;)*«L qm]l*^;{ 1231.84 - - - - 1231.84

e"QmfgL lbg"kg]{ lan - - - - - -

e"QmfgL lbg"kg]{ Aofh 65,873 2,059 2,059 2,059 10,293 82,341

Joj:yfx¿ 445 425 870 35,419 14,450 51,608

cGo 12,410 3,375 3,086 3,086 42,521 64,478

s"n bfloTj 1,868,549 1,217,428 1,022,630 1,409,812 2,490,268 8,008,686

v"b ;DklQ 844,037 -558,964 -86,033 -278,564 1,081,087 1,001,563

;l~rt v"b ;DklQ 844,037 285,073 199,040 -79,524 1,001,563 -

!$= o; ljsf; a}Fsn] cfˆgf] ;DklQ lwtf] /fvL ;fk6L lnPsf] 5}g .

!%= o; ljsf; a}Fssf] rfn' cf=j= df /x]sf u}/ a}+lsË ;DklQx¿ o; k|sf/ /x]sf 5g\ .

C0fL, jf kf6L{sf] gfd 7]ufgf

u}/ a}+lsË ;DklQ;sf/ u/]sf] ldlt

s'n u}/ a}+lsË;DklQ /sd -?=_

gf]S;fgL Joj:yf

k|ltzt /sd -?=_;"a]bL lkm*\; 2072/03/10 2,060,000.00 100.00 2,060,000.00

o"j/fh d"NdL 2072/03/09 5,213,112.10 100.00 5,213,112.10

s'n hDdf - 7,273,112.10 - 7,273,112.10

!^= o; ljsf; a}Fssf] clu|d e'QmfgL k|fKt, e'QmfgL x'g afFsL, / hkmt u/LPsf t/ k'gM lgisfzg gu/L ;s]sf ;]o/x¿s]lx gePsf] .

!&= rfn' cfos/ cfos/ P]g @)%* cg';f/ cfos/ afkt ?= 98,970,114 Joj:yf ul/Psf] 5 .

!*= :yug ul/Psf] s/ g]kfn n]vfdfg –)( (NAS- 09) cg';f/sf] c:yfoL km/s tyf bfjLof]Uo s/ ;DaGwL gf]S;fgLaf6 pTkÌ x'g] :yug ul/Psf], s/ cfDbfgL u0fgf u/L, gfkmf–gf]S;fg lx;fjdf cfDbfgL hgfO{Psf] 5 . k|:t't aif{;Ddsf] :yug ul/Psf] s/ ;DklQnfO{ cg';"rL $=!^ df pNn]v ul/Psf] 5 . s/ ;DklQ÷-bfloTj_ u0fgf #) k|ltzt s/sf] b/sf cfwf/df ul/Psf] 5 .



72

:yug ul/Psf] s/ ;DklQ÷-bfloTj_ u0fgf

:yug ul/Psf] s/ ;DklQ÷ -bfloTj_

n]vf cfwf/ s/ cfwf/ km/s

o; jif{sf] :yug s/ ;DklQ ÷ -bfloTj_

l:y/ ;DklQ 96,468,245 92,597,315 (9,832,461) (2,949,738)

;fljssf] l;les 8]enkd]G6 a}Fs ln=af6 :yfgfGt/0f

- 5,961,531 - -

ljbf jfktsf] Joj:yf 10,376,372 - 10,376,372 3,112,912

pkbfg jfktsf] Joj:yf 6,623,592 - 6,623,592 1,987,078

s/ ;DklQ÷-bfloTj_ - - - 2,150,252

ut jif{sf] :yug s/ ;DklQ -bfloTj_ 7,632,791

o; jif{sf] :yug s/ cfDbfgL -vr{_ (5,482,539)

!(= sd{rf/L cfjf; sf]ifo; ljsf; a}Fsn] sd{rf/Lx¿nfO{ cfjf; shf{sf] Aoj:yf ug]{ gLlt lnPsf]n], >d P]g @)$* cg';f/sf] cfjf; sf]ifsf] Aoj:yf ul/Psf] 5}g .

@)= sd{rf/L jf]g; sd{rf/L jf]g; Aoj:yfsf] nfuL, jf]g; P]g @)#), / g]kfn /fi6« a}Fssf lgb]{zgx¿sf] clwgdf /xL, gfkmf–gf]S;fg lx;fjsf] ;Dk"0f{ sf/f]af/, kl5sf] v'b d'gfkmf -jf]g; Joj:yf ;lxt_ sf] bz k|ltztsf b/n], /sd 5'6\ofpg] gLlt /x]sf] 5 . o; jif{ jf]g; jfkt ?= 31,548,341/- Joj:yf ul/Psf] 5 .

@!= hf]lvd Aoxf]g]{ sf]ifk|:t't jif{ gfkmf–gf]S;fg lx;fjdf ?= 29,505,431/- shf{ tyf cGo ;DklQdf gf]S;fgL Aoj:yf vr{ hgfO{Psf] 5 . ;fy} ?= 14,114,358/- shf{, tyf ?= 266,819/- cGo ;DklQdf, gf]S;fgL Aoj:yfdf, lkmtf{ hgfOPsf] 5 .

@@= k|lt ;]o/ cfDbfgLefl/t cf}ift ;]o/ ;+Vof u0fgf u/L k|lt ;]o/ cfDbfgL u0fgf ul/Psf] 5 . cf=j= @)&!÷)&@ sf] k|lt ;]o/ cfDbfgL ?= #%=(( /x]sf] 5 .



73

@#= ;DalGwt kIf (Related Party) ;DaGwL pb\3f]if o; ljsf; a}Fsn] cfkm\gf] k|d'v sfo{sf/LnfO{ k|bfg u/]sf ;]jf, ;'ljwfx¿ lgDg cg';f/sf /x]sf 5g\ M-s_ k|d'v sfo{sf/Lsf] s'n jflif{s tnj, eQf ;'ljwf jfkt ?= 47,85,429/-

-v_ k|d'v sfo{sf/LnfO{ o; cf=j= df, sfo{ ;Dkfbgdf cfwfl/t kfl/>lds k|bfg ul/Psf] 5 .!= sd{rf/L jf]g; ?= 10,63,500/-

@= ljbf ?= 3,78,333=33#= ;+ro sf]if afkt ?= 7,32,000/-

$= cGo /sd ?= 96,428=68-u_ cGo ;'ljwfx¿ 3/ ef8f dfl;s ?= #%,)))/-, 6]lnkmf]g ;'ljwf tyf sfof{nosf] ;jf/L ;fwg, rfns / ;xof]uL .-3_ o; cf=j= sf] s'n sd{rf/L vr{ ?= 133,491,663/-

@$= sDkgLn] o; cf=j= @)&!÷)&@ df, @)&@, cfiff9 d;fGtsf] r'Qmf k"FhLsf] #! k|ltztn] x'g cfpg] ?= !( s/f]8 *$ nfv & xhf/ & ;o %) a/fa/sf] jf]g; ;]o/, tyf r'Qmf kF"hLsf] !=^# k|ltztn] x'g cfpg] ?= ! s/f]8 $ nfv $@ xhf/ % ;o !# s/ k|of]hgfy{, gub nfef+zsf] ?kdf :jLs[tLsf] nflu k|:tfj u/]sf] 5 . cfly{s ljw]os @)&@ sf] bkmf $& -s_ sf] % cg';f/, ;fljssf] l;les 8]enkd]G6 a}Fs ln=n] ?= ^ nfv ^* xhf/ ( ;o $& dfq 5'6 k|fKt x'g] /sd, ;DalGwt ;]o/wgLx¿nfO{ gub nfef+z ljt/0fsf nflu 5'6\ofOPsf] 5 .

@%= sDkgLn], g]kfn n]vfdfg cg'?k, k|f]befjL cfwf/df, ljbf afktsf] vr{ n]vfÍg ug]{ gLlt lnPsf] 5 . of] gLlt cg'?k, o; jif{ ?= 5,092,304/- yk vr{ n]vfÍg ul/Psf] 5 .



74

lwtf]kq btf{ tyf lgisfzg lgodfjnL @)^% sf] lgod @@-!_ ;+u ;DalGwt cg';"rL !# jdf]lhdsf] jflif{s ljj/0f

-!_ ;~rfns ;ldltsf] k|ltj]bg Mo;} k|ltj]bg;Fu ;+nUg /x]sf] .

-@_ n]vfk/LIfssf] k|ltj]bg Mo;} k|ltj]bg;Fu ;+nUg /x]sf] .

-#_ n]vfk/LIf0f ePsf] ljQLo ljj/0f Mo;} k|ltj]bg;Fu ;+nUg /x]sf] .

-$_ sfg"gL sf/jfxL ;DaGwL ljj/0f M-s_ cf=j= @)&!÷)&@ df, ;+:yfn], jf ;+:yfsf] lj?¢ s'g} d'2f bfo/ ePsf] eP Md'lQmgfy ljsf; a}Fs ln=, b'n]uf}+8f zfvfdf -n3'ljQ tkm{_ sfo{/t sd{rf/Lx¿M v]d/fh sf]O{/fnf, c;/fh vgfn, k|sfz af:sf]6f, / e]if/fh kGt ;d]tn] ?= #%,%%,$(^.)) -cIf/]kL k}+tL; nfv krkGg xhf/ rf/ ;o 5ofgAa] dfq_ sf nflu lst]{ C0fL tof/ u/L, C0f nufgL u/]sf] x'Fbf, 7uL u/]sf] cleof]udf, lhNnf cbfnt, tgx"Fdf, d'2f btf{ eO{, ljrf/flwg /x]sf] 5 .-v_ o; ;+:yfsf ;+:yfks, jf ;~rfnsn], jf ;~rfns, jf ;~rfnssf lj?å k|rlnt lgodsf] cj1f, jf kmf}hbf/L ck/fw u/]sf], jf ;f] ;DjGwdf s'g} d'2f bfo/ u/]sf], jf ePsf] eP M;+:yfnfO{ o; af/]df s'g} ;"rgf tyf hfgsf/L k|fKt gePsf] .-u_ s'g} ;+:yfks, jf ;~rfns lj?4 cfly{s ck/fw u/]sf] ;DjGwdf s'g} d'2f bfo/ ePsf] eP M;+:yfn] o; k|s[ltsf] s'g} d'2f bfo/ gu/]sf], / cGoqaf6 klg s'g} d'2f bfo/ ePsf] ljifodf, o;nfO{ ;DalGwt cbfnt, jf sfof{noaf6 s'g} ;"rgf, jf hfgsf/L k|fKt gePsf] .

-%_ ;+ul7t ;+:yfsf] ;]o/ sf/f]af/ tyf k|ultsf] ljj/0f M-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] ;]o/sf] sf/f]af/ ;DaGwdf Joj:yfkgsf] wf/0ffMo; ljsf; a}Fssf ;]o/x¿ g]kfn :6s PS;r]Ghdf ;"lrs[t eO{, g]kfn lwtf]kq af]8{sf] /]vb]vdf, v'Nnf ahf/n] lgwf{/0f u/]sf] d"No adf]lhd, sf/f]af/ e}/x]sf 5g\ . -v_ ut jif{sf] q}dfl;s ?kdf ;]o/sf] ljj/0f Mo; cjlwsf] ;]o/ sf/f]af/ ljj/0f, g]kfn :6s PS;r]Gh lnld6]8sf] j]j;fO6 www.nepalstock.com.np sf cg';f/, o; k|sf/ /x]sf] 5 .

ljj/0f k|yd q}df; låtLo q}df; t[tLo q}df; Rff}yf] q}df;clwstd d"No -?=_ *@) *@^ ^!@ ^))

Go"gtd d"No -?=_ ^#) $%) $*) %!(

clGtd d"No -?=_ &*# $&! %&) %^$

sf/f]af/ ;+Vof !,$#,&$! !,)$,!&$ (^,!#% !,^),!&$

sf/f]af/ ePsf] lbg #( %# %$ $!



75

-^_ ;d:of tyf r'gf}tLx¿ M-s_ cfGtl/s ;d:of tyf r'gf}tLx¿ Ma}+lsË If]qdf b]lvPsf] tLj| k|lt:kwf{, nufgLof]Uo pTkfbgzLn If]qsf] cefj, a9\bf] ;~rfng nfut Pj+ a]/f]huf/, / c;'/Iff nufotsf ;fdflhs ;d:ofx¿n] ;[lht ;~rfng hf]lvdsf ;fy}, lgIf]k, shf{, tyf nufgLsf] Aofhb/df eO{/xg] lgoldt kl/jt{gx¿n], o; ;+:yfsf] d'gfkmf j[l4b/ sfod /fvL /fVg', yk r'gf}tLk"0f{ /x]sf] 5 .-v_ jfXo ;d:of tyf r'gf}tLx¿ M b]zsf] ;+qmd0fsflng /fhg}lts cj:yf, Go'g cfly{s j[l4b/, pRr d"No j[l4b/, nufgL d}qL jftfj/0fsf] cefj, cf}Bf]lus tyf Jofkf/Ls If]qdf JofKt >d ;d:ofx¿, phf{ ;+s6, cl:y/ Joj;flos sfg"gL jftfj/0f, cflb h:tf cgk]lIft lqmofsnfkx¿n], ljQLo Jofj;fodf k|lts'n c;/ kfg{ ;Sg', k|d'v jfXo ;d:ofx¿ x'g\ . -u_ /0fgLltx¿ MpNn]lvt ;d:ofx¿ tyf r'gf}tLx¿ ;fdgf ug{, æhgtf a}Fsdf xf]O{g, a}Fs hgtfdf hfg' kb{5Æ tyf æufpF–ufpFdf n3'ljQ km}nfpF, ul/jL / ljkGgtf 36fpFÆ eGg] d"n dd{x¿sf ;fy nufgL ljljlws/0f u/L, n3'ljQ sfo{qmd dfkm{t, ;fd"lxs hdfgLdf hfu?s tyf pBdzLn ;d"xx¿nfO{ ;–;fgf C0f /sdx¿ k|jfx u/L, b]zsf] u/LjL lgjf/0f Pj+ ljQLo kx'Fr clej[l4df 7f]; of]ubfg k'¥ofpg'sf, ;fy} k|fylds tyf pTkfbglzn If]qx¿df nufgL a9fpg], bIf hgzlQm ljsf;sf nflu tflnd nufot j[lQ ljsf;sf sfo{qmdx¿ ;~rfng ug]{, Jofhb/ kl/jt{gsf] k|efjx¿nfO{ Go"gLs/0f ub}{ n}hfg], ;~rfng vr{x¿ 36fpg], Pj+ cfw'lgs a}+lsËsf yk ;'ljwfx¿nfO{ ;d]6\b}, l56f], 5l/tf] tj/n] u|fxsd'vL ;]jfx¿ pknAw u/fpg'g}, o; ;+:yfsf /0fgLltx¿ /x]sf 5g\ .

-&_ ;+:yfut ;'zf;g M ;+:yfut ;'zf;g clej[l4sf nflu Joj:yfkgåf/f rflnPsf sbdx¿ ;DaGwL ljj/0fx¿ M-s_ o; ;+:yfn] g]kfn /fi6« a}Fs tyf cGo lgodgsf/L lgsfoåf/f hf/L ul/Psf ;+:yfut ;'zf;g ;DaGwL lgb]{zgx¿sf] k"0f{ ?kdf kfngf ul//x]sf] 5 . ;+:yfut ;'zf;g clej[l4sf nflu, cfGtl/s lgoGq0f k|0ffnLx¿ Jojl:yt ug{, :jtGq cfGtl/s n]vfk/LIfs lgo'Qm ul/Psf], tyf k|To]s q}df;sf] cfGtl/s n]vfk/LIf0f u/fO{, n]vfk/LIf0f k|ltj]bgn] cf}NofPsf ;'emfjx¿nfO{, Joj:yfkg dfkm{t sfof{Gjog u/fpg, n]vfk/LIf0f ;ldlt ;b}j lqmofzLn /x]sf] 5 . -v_ ;~rfng hf]lvd sd ug{ tyf sfdnfO{ Jojl:yt ug{, ljleGg cfGtl/s gLlt, lgod tyf lgb]{lzsfx¿ th'{df u/L nfu' ul/Psf] 5 .



76

*_ lwtf] kq lgisfzg lgb]{lzsf @)^% sf] bkmf @* cg';f/, ljj/0f kqdf k|If]k0f ul/Psf ljj/0fx¿ dWo], aL; k|ltzt, jf ;f] eGbf a9Ln] km/s k/]sf ljj/0fx¿ Mjf;nft cGtu{t M

-?= xhf/df_

k"¤hL tyf bfloTjk|If]lktcf=j=

2071÷072jf:tljs km/s k|ltzt

!= ;]o/ k"FhL 5,99,025.00 8,38,432.75 2,39,407.75 39=97

@= hu]8f tyf sf]ifx¿ 2,61,155.94 1,33,613.21 -1,27,542.73_ -48=84_

#= C0fkq tyf a08 0.00 0.00 0.00 0=00

$= ltg{ afFsL shf{ ;fk6 1,17,780.00 27,470.00 -90,310.00_ -76=68

5= lgIf]k bfloTj 67,98,817.44 77,81,557.59 9,82,740.16 14=45

^= e'QmfgL lbg' kg]{ lanx¿ 0.00 0.00 0.00 0=00

&= k|:tfljt tyf e'QmfgL lbg afFsL nfef+z 0.00 10,442.51 10,442.51 100=00

*= cfos/ bfloTj 0.00 0.00 0.00 0=00

(= cGo bfloTj 1,38,470.08 2,08,955.49 70,485.41 50=90

s'n bfloTj 79,15,248.46 90,00,471.56 10,85,223.10 13=71

;DklQk|If]lktcf=j=


!= gub df}Hbft 1,34,396.78 2,26,585.65 92,188.87 68=59

@= g]kfn /fi6« a}Fsdf /x]sf] df}Hbft 3,22,266.56 4,75,270.00 1,53,003.44 47=48

#= a}s÷ljQLo ;+:yfdf /x]sf] df}Hbft 15,313.59 13,499.75 -1,813.85_ -11=84_

$= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd 15,40,835.81 14,10,411.04 -1,30,424.77_ -8=46_

%= nufgL 10,0524.18 1,03,471.55 2,947.37 2=93

^= shf{ ;fk6 tyf lan vl/b 56,91,205.93 66,25,259.81 9,34,053.88 16=41

&= l:y/ ;DklQ 73,497.76 96,468.25 22,970.48 31=25

*= u}/ a}FlsË ;DklQ 0.00 0.00 0.00 0=00

(= cGo ;DklQ 37,207.85 49505.53 12,297.68 33=05

s'n ;DklQ 79,15,248.46 90,00,471.56 10,85,223.10 13=71



77

Gffkmf–gf]S;fg cGtu{t M

ljj/)fk|If]lktcf=j=


!= Jofh cfDbfgL 7,50,146.36 8,36,242.93 86,096.57 11=48

@= Jofh vr{ 3,86,942.92 3,50,796.22 -36,146.70_ -9=34_

v'b Aofh cfDbfgL 3,63,203.44 4,85,446.70 1,22,243.27 33=66

#= sldzg tyf l8:sfp06 11,798.38 12,372.30 573.92 4=86

$= cGo ;~rfng cfDbfgL 88,457.68 91,064.72 2,607.04 2=95

%= ;6xL 36a9 cfDbfgL 0.00 0.00 0.00 0=00

s'n ;~rfng cfDbfgL 4,63,459.49 5,88,883.72 1,25,424.23 27=06

^= sd{rf/L vr{ 99,476.47 1,33,491.66 34,015.20 34=19

&= cGo ;~rfng vr{ 83,257.28 95,427.15 12,169.86 14=62

*= ;6xL 36a9 gf]]S;fg 0.00 0.00 0.00 0=00

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng gfkmf 2,80,725.74 3,59,964.92 79,239.17 28=23

(= ;Defljt gf]S;fgL 22,658.09 29,505.43 6,847.34 30=22

;~rfng gfkmf÷-gf]S;fg_ 2,58,067.65 3,30,459.48 72,391.83 28=05

!)= u}/ ;~rfng cfDbfgL÷-gf]S;fg_ 8,775.47 2,191.10 -6,584.38_ -75=03_

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 3,679.50 14,381.18 10,701.68 290=85

lgoldt sf/f]af/x¿af6 ePsf] gfkmf 2,70,522.62 3,47,031.76 76,509.14 28=28

!@= c;fdfGo sf/f]af/x¿af6 ePsf] gfkmf÷-vr{_ 0.00 0.00 0=00

cg'bfg k|fKt ;DklQsf] x|f;s§L /sd cfDbfgL 0.00 0.00 0=00

;Dk"0f{ sf/f]af/x¿ ;dfj]z kl5sf] v'b gfkmf 2,70,522.62 3,47,031.76 76,509.14 28=28

!#=sd{rf/L jf]g; Joj:yf 24,592.97 31,548.34 6,955.38 28=28

!$=cfos/ Joj:yf 73,778.90 97,839.08 24,060.19 32=61

o; jif{sf] 73,778.90 98,970.11 25,191.22 34=14

ut jif{sf] 0.00 0.00 0.00 0=00

k/ ;fl/Psf] cfos/ cfDbfgL÷vr{_ 0.00 -1,131.03_ -1,131.03_

v'b gfkmf÷-gf]]S;fg_ 1,72,150.76 2,17,644.33 45,493.57 26=43

;]o/ ;+Vof -xhf/df_ 5,071.50 6,402.50 1,331.00 26=24

k|lt ;]o/ cfDbfgL -?=_ 33.94 33.99 0.05 0=14



78

Jff;nft tyf gfkmf–gf]S;fg cGtu{t @) k|ltzt, jf clwsn] km/s k/]sf lzif{ssf ljljw sf/0fx¿M

k"FhL tyf bfloTj cGtu{t Mlzif{s g+= != ;]o/ kF"+hL -km/s k|ltzt M #(=(&_ut cf=j=df sfod /x]sf] r'Qmf k"FhL ?= %( s/f]8 () nfv @% xhf/df, l;les 8]enkd]06 a}Fs ln=sf] k|flKt dfkm{t ?= $ s/f]8 !) nfv yk eO{, ?= ^$ s/f]8 @% xhf/df, cf=j= @)&!÷)&@ sf] d'gfkmfaf6 #! k|ltzt jf]g; ;]o/ yk ePsf]n] .

lzif{s g+= @= hu]8f tyf sf]ifx¿ -km/s k|ltzt M -$*=*$_jf]g; tyf nfef+zsf] k|If]k0f gul/g] ePsf]n], / ut jif{sf] ;Dk"0f{ hu]8fdf ;dflxt ePsf]n] .

lzif{s g+= $= ltg{ afFsL shf{ ;fk6 -km/s k|ltzt M -&^=^*_ut cf=j=df t/ntfdf cfPsf] a[l¢sf sf/0f ;fk6 /sd lng gk/]sfn], ;fy} ltg'{kg]{ /sd tyf shf{ ;fk6 k|If]k0f eGbf clws e'QmfgL ePsfn] .

lzif{s g+= &= e'QmfgL lbg afFsL nfef+z -km/s k|ltzt M !))_nfef+z ljt/0f u/L ;Sg] nIo lnOPsf]df, s]xL ;]o/wgLx¿ nfe+fz lng gcfPsf sf/0fn] .

lzif{s g+= (= cGo bfloTj -km/s k|ltzt M %)=()_Ps jif{ eGbf a9L cjlwsf lgIf]kx¿sf] e'QmfgL lbg'kg]{ Jofhx¿df a[l¢ ePsfn] .

;DkQL cGtu{t Mlzif{s g+= != gub df}Hbft -km/s k|ltzt M ^*=%(_ Msf/f]af/ lj:tf/ ;+u} zfvf sfof{nox¿ lj:tf/Lt x'Fbf ;]kmdf /xg] gubdf j[l4 ePsfn] .

lzif{s g+= @= g]kfn /fi6« a}Fsdf /x]sf] df}Hbft -km/s k|ltzt M $&=$*_ MlgIf]kdf cfPsf] j[l4 ;+u} t/ntf cg'kftdf j[l4 x'Fbf, ;fy} cfly{s jif{sf] cGTolt/ a}Fs tyf ljQLo ;+:yfn] gub Joj:yfkg ;xh ?kn] gul/lbg] ePsfn], g]kfn /fi6« a}Fsaf6 ;xh Joj:yfkg ug{sf nflu .

lzif{s g+= &= l:y/ ;DklQ -km/s k|ltzt M #!=@%_ Msf/f]af/ lj:tf/;+u} zfvf sfof{nox¿ lj:tf/Lt xF'bf, cfjZos ;DklQ yk ePsfn] .

lzif{s g+= (= cGo ;DkQL -km/s k|ltzt M ##=)%_ Mzfvf lj:tf/, sd{rf/Lx¿nfO{ lbO{Psf] k]ZsL, tyf ;fk6L ;'ljwfx¿, j[l4 ePsfn] .

gfkmf–gf]S;fg lx;fj tkm{ Mlzif{s g+= ^= sd{rf/L vr{ -km/s k|ltzt M #$=!(_ Mzfvf sfof{nox¿sf] lj:tf/ ;+u}, sd{rf/L j[l4 ePsfn] .



79

lzif{s g+= (= ;Defljt gf]S;fgL -km/s k|ltzt M #)=@@_ Mshf{ nufgLdf ePsf] j[l4 tyf g]kfn /fi6« a}Fsaf6, a}Fs tyf ljQLo ;+:yfx¿nfO{ hf/L ul/Psf] Watch List Joj:yfsf sf/0fn] .

lzif{s g+= !)= u}/ ;~rfng cfDbfgL÷-gf]S;fg_ -km/s k|ltzt M -&%=)#_ McGo sDkgLsf] ;]o/ tyf nufgL kq vl/b–laqmLaf6 cfDbfgL a9fpg] k|If]k0f ul/Psf]df, /fi6«sf] ljifd\ kl/l:ytLx¿sf sf/0f k|If]k0f cg'?k laqmL ug{ g;lsPsfn] .

lzif{s g+= !!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ -km/s k|ltzt M @()=*%_ Mk|If]k0f ul/Psf] eGbf gf]S;fgL Joj:yfdf /x]sf] /sd clws c;'n pk/ x'g uPsf]n] .

lzif{s g+= !#= sd{rf/L jf]g; Joj:yf -km/s k|ltzt M @*=@*_ Mk|If]lkt ;~rfng d'gfkmf eGbf jf:tljs ;~rfng d'gfkmf clws ePsf] sf/0fn] .

lzif{s g+= !$= cfos/ Joj:yf -km/s k|ltzt M @*=@*_ Mk|If]lkt v'b d'gfkmf eGbf jf:tljs v'b d'gfkmf clws ePsf] sf/0fn], cfos/ Joj:yfdf klg j[l4 x'g uPsf] .

-(_ lgod @@ sf] pk lgod -%_ ;+u ;DalGwt ljz]if 36gf, jf kl/l:ylt, ;DaGwL ljj/0f Mo; k|sf/sf] ljz]if 36gf, jf kl/l:ylt gePsf] .



80

;fdfGo k|:tfj g+= % sf] ;DaGwdfk|:tfj M ;~rfnsx¿sf] a}7s eQf nufot cGo ;'ljwfx¿ j[l4 ug]{ .

lgodfjnLdf k|:tfljt ;+zf]wg ;DaGwL tLgdxn] ljj/0f

lgod g+ ;fljssf] Joj:yf ;+zf]lwt Joj:yf;+;f]wg ug'{kg]{

sf/0f

@( -v_ lgodfjnLsf] @( -v_ ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt ;~rfnsn] kfpg] a}7s eQf ?= $))).– -cIf/]kL rf/ xhf/ dfq_ x'g]5 . 6]lnkmf]g tyf kqklqsf ;'ljwf afkt ;~rfnsx¿nfO{ dfl;s ? !)))÷– -cIf?kL Ps xhf/ dfq_ k|bfg ul/g]5 .

lgodfjnLsf] @( -v_ ;~rfns ;ldltsf] a}7sdf pkl:yt eP jfkt ;~rfns ;ldltsf] cWoIfsf] k|lt a}7s eQf ?= !@,))).– -cIf/]kL afx| xhf/ dfq_ / ;~rfnsx¿sf] k|lt a}7s eQf ?= !),))).– -cIf/]kL bz xhf/ dfq_ x'g]5 . 6]lnkmf]g tyf kqklqsf ;'ljwf jfkt ;~rfnsx¿nfO{ dfl;s ? %,))).– -cIf/]kL kfFr xhf/ dfq_ k|bfg ul/g]5, / k|To]s ;~rfnssf] ?= @%,)),))).– -cIf/]kL kRrL; nfv dfq_ sf] b'3{6gf aLdf k|bfg ul/g]5 .

;do ;fk]If kl/jt{g ug'{ kg]{ ePsf]n] .

ljz]if k|:tfj g+= !, $, % / ^ sf ;DaGwdfljz]if k|:tfjx¿ M!= o; ljsf; a}Fssf] clws[t k"FhL ?= @,%),)),)),)))÷)) -cIf/]kL b'O{ ca{ krf; s/f]8 dfq_ k'¥ofpg] .$= jt{dfg hf/L k"FhL ?= ^$,)),@%,)))÷)) -cIf/]kL rf};¶L s/f]8 kRrL; xhf/ dfq_ af6 hf/L tyf r'Qmf k"FhL ?= !,@%,&^,$(,!@%÷)) -cIf/]kL Ps ca{ kRrL; s/f]8 5\oQ/ nfv pgfGkrf; xhf/ Ps ;o kRrL; dfq_ k'¥ofpg] ljz]if k|:tfj kfl/t ug]{ .



81

k|aGwkqdf k|:tfljt ;+zf]wg ;DaGwL tLg dxn] ljj/0f;fljssf] Joj:yf ;+zf]lwt Joj:yf ;+;f]wg ug'{kg]{ sf/0f

k|aGwkqsf] bkmf % sf] pkbkmf -s_ df ljQLo ;+:yfsf] clws[t k"FhL ?= !,)),)),)),))).– -cIf/]kL Ps ca{ dfq_ x'g]5 . ;f] k"FhLnfO{ ? !)) sf b/n] !,)),)),))) yfg ;fwf/0f ;]o/df ljefhg ul/Psf] 5 .

k|aGwkqsf] bkmf % sf] pkbkmf -s_ df ljQLo ;+:yfsf] clws[t k"FhL ?=@,%),)),)),))).– -cIf/]kL b'O{ ca{ krf; s/f]8 dfq_ x'g]5 . ;f] k"FhLnfO{ ?= !)) sf b/n] @,%),)),))) yfg ;fwf/0f ;]o/df ljefhg ul/Psf] 5 .

g]kfn /fi6« a}Fsn] df}lb|s gLlt dfkm{t k"FhL j[l4 of]hgf NofPsf]n] .

bkmf % sf] pkbkmf -v_ df o; ljsf; a}ssf] tTsfn hf/L ug]{ ;]o/ k"FhL ? ^$,)),@%,))).– -cIf/]kL rf};¶L s/f]8 kRrL; xhf/ dfq_ x'g]5, h;nfO{ k|lt ;]o/ ? !)).– sf b/n] ^$,)),@%) -rf};¶L nfv b'O{ ;o krf;_ yfg ;fwf/0f ;]o/df ljefhg ul/Psf] 5 .

o; ljsf; a}Fssf] tTsfn hf/L ug]{ ;]o/ k"FhL ?= !,@%,&^,$(,!@%.– -cIf/]kL Ps ca{ kRrL; s/f]8 5\oQ/ nfv pgfGkrf; xhf/ Ps ;o kRrL; dfq_ x'g]5, h;nfO{ k|lt ;]o/ ?= !)).– sf b/n] !,@%,&^,$(!=@% -Ps s/f]8 kRrL; nfv 5oQ/ xhf/ rf/ ;o PsfgAa] @%÷!))_ yfg ;fwf/0f ;]o/df ljefhg ul/Psf] 5 .

gjf} jflif{s ;fwf/0f ;efaf6 sfod r'Qmf k"FhL ?= ^$,)),@%,))).– sf] #! k|ltztsf b/n] jf]g; ;]o/ hf/L u/] kZrft, sfod x'g cfpg] r'Qmf k"FhL ?= *#,*$,#@,&%).)) sf] @ lsQf ;]o/ a/fa/ ! lsQf ;]o/ -@M!_ sf b/n] ?= $!,(@,!^,#&%.)) a/fa/sf] xsk|b ;]o/ hf/L ug]{]{ lg0f{o ePsf]n] .

bkmf % sf] pkbkmf -u_ df, o; ljsf; a}ssf] tTsfnsf] r'Qmf k"FhL ?= ^$,)),@%,))).– -cIf/]kL rf};¶L s/f]8 kRrL; xhf/_ /x]sf]5 .

o; ljsf; a}Fssf] tTsfnsf] r'Qmf k"FhL ?= !,@%,&^,$(,!@%.– -cIf/]kL Ps ca{ kRrL; s/f]8 5\oQ/ nfv pgfGkrf; xhf/ Ps ;o kRrL; dfq_ x'g]5 .

ljz]if k|:tfj M%= o; ljsf; a}Fssf] k|aGw–kqdf p2]Zo tyf sfo{x¿ yk ug]{ .k|aGw–kq tkm{, bkmf $ cGtu{t, o; ljQLo ;+:yfsf] p2]Zo k|flKtsf nflu ug{ ul/g] sfdx¿ yk Joj:yf M-sr_ o; ljsf; a}Fs cGtu{t ;~rflnt n3'ljQ sfo{qmd tkm{sf s]Gb|x¿nfO{ s[lif ;xsf/L ;+:yfdf kl/jt{g ug{, ;b:ox¿nfO{ k|f]T;fxgsf ;fy} ;xof]u ug]{, / To;/L ul7t s[lif ;xsf/L ;+:yfx¿nfO{ yf]s shf{ pknAw u/fpg] .



82

^= o; ljsf; a}Fssf] lgodfjnLdf cWoIf, ;~rfns, tyf k|d'v sfo{sf/L clws[tsf]

sfo{sfnsf ;DaGwdf cfjZos ;+zf]wg ug]{ .

lgodfjnLdf k|:tfljt ;+zf]wg ;DaGwL tLgdxn] ljj/0f

lgod g+= ;fljssf] Joj:yf ;+zf]lwt Joj:yf ;+;f]wg ug'{kg]{ sf/0f

* -#_ lgodfjnLsf] lgod -*_ sf] pklgod -#_M ;~rfnsx¿sf] sfo{sfn $ jif{sf] x'g]5 .

;~rfnsx¿sf] sfo{sfn $ jif{sf] x'g]5 . cWoIf, tyf ;~rfnsx¿ nuftf/ b'O{ k6s eGbf a9L pQm kbdf lgjf{lrt, dgf]lgt, jf lgo'Qm x'g ;Sg] 5}gg\ .

g]kfn /fi6« a}Fsaf6 s, v, u ju{sf Ohfhtkqk|fKt a}Fs tyf ljQLo ;+:yfx¿nfO{ ldlt @)&!.!!.)$ df hf/L ul/Psf] kl/kq !^ jdf]lhd kl/jt{g ug'{ kg]{ ePsf]n] .@) -#_ lgodfjnLsf] lgod

-@)_ sf] pklgod -#_ M sfo{sf/L k|d'vsf] kbfjlw rf/ jif{sf] x'g]5, / lghsf] k'g{lgo'lQm x'g ;Sg]5 .

lgodfjnLsf] lgod -@)_ sf] pklgod -#_ M sfo{sf/L k|d'vsf] kbfjlw rf/ jif{sf] x'g]5, / lghsf] Ps k6ssf nflu k'g{lgo'lQm x'g ;Sg]5 .



83



84

g]kfn /fi6« a}Fsaf6 k|fKt lgb]{zgx¿ pk/ ;~rfns ;ldltsf k|ltlqmofx¿M

d'lQmgfy ljsf; a}Fs lnld6]8sf] cf=j= @)&!÷)&@ sf] ljQLo ljj/0f k|sfzg ug]{ qmddf, g]kfn /fi6« a}Fsaf6 lbOPsf lgb]{zgx¿nfO{, ldlt @)&@, d+l;/ @( ut] a;]sf] ;~rfns ;ldltsf] !$& cf}+ a}7sn], tklzn adf]lhdsf lg0f{ox¿ u/]sf], hfgsf/Lsf nflu cg'/f]w 5 .

-!_ aF'bf g+= !M ;+:yfsf] t/n sf]if Joj:yfkgsf] nflu, ;f]sf] sfo{ljlw agfO{ nfu' ul/g] .

-@_ aF''+bf g+= @M n3'ljQ ljefu, / 8]:s;+u ;DalGwt l:y/ ;DklQx¿sf] ladf ug{sf nflu Joj:yfkgnfO{ lgb]{zg lbOPsf] .

-#_ aF'bf g+= #M ;/sf/åf/f :yflkt sd{rf/L sNof0fsf/L sf]ifdf sd{rf/Lx¿sf] jf]g;sf] #) k|ltzt /sd hDdf ug{sf nflu Joj:yfkgnfO{ lgb]{zg lbOPsf] .

-$_ aF''+bf g+= $M cfos/ P]gn] Joj:yf u/] adf]lhd e'QmfgL lb+bf, cfos/ s§f u/L e'QmfgL lbgsf] nflu Joj:yfkgnfO{ lgb]{zg lbOPsf] .

-%_ aF'bf g+= %M n3'ljQ ;'/If0f sf]ifsf] ;DaGwdf g]kfn /fi6« a}Fsn] s, v, / u ju{sf ;+:yfx¿nfO{ hf/L u/]sf] lgb]{zgdf, n3'ljQ ;'/If0f sf]ifsf] pkof]u ;DaGwL s'g} lgb]{zg glbPtfklg, o; ;+:yfn] ;f]sf] sfo{ljlw agfO{ nfu' ul/Psf]df, pQm sfo{ljlwnfO{ lgb]{zg adf]lhd ;+zf]wg u/L g]kfn /fi6« a}FsnfO{ hfgsf/L u/fOg] .

-^_ aF'bf g+= ^M cfGtl/s tyf jfXo n]vfk/LIfsn] cf}+NofOPsf s}lkmotx¿ k'gM gbf]xf]l/g] u/L ;'wf/ ug{, s]Gb|Lo tyf zfvf sfof{nox¿nfO{ lgb]{zg lbg pRr Joj:yfkg, / cfGtl/s n]vfk/LIfsnfO{ lgb]{zg lbOPsf] .



85

Unaudited Financial Results (Quarterly)As at 1st Quarter (2072-06-30) of the Fiscal Year 2072/073

(Rs. in '000)

S.N. Particulars This Quarter

Ending Previous

Quarter Ending

Corresponding Previous

Year Quarter Ending

1 Total Capital & Liabilities (1.1 to 1.7) 9,731,135.95 9,091,969.59 6,607,311.37

1.1 Paid-up Capital 640,025.00 640,025.00 411,723.90

1.2 Reserves and Surplus 426,500.85 357,876.45 279,108.77

1.3 Debenture and Bond

1.4 Borrowings 14,800.00 27,470.00 85,480.00

1.5 Deposits (a+b) 8,302,453.26 7,781,557.59 5,588,195.59

a. Domestic Currency 8,302,453.26 7,781,557.59 5,588,195.59

b. Foreign Currency

1.6 Income Tax Liabilities 13,526.90 11,967.64

1.7 Other Liabilities 333,829.94 285,040.55 230,835.47

2 Total Assets (2.1 to 2.7) 9,731,135.95 9,091,969.59 6,607,311.37

2.1 Cash & Bank Balance 947,131.53 715,355.39 481,461.67

2.2 Money at call and short Notice 1,182,962.58 1,410,411.04 1,018,266.58

2.3 Investments 98,145.91 103,377.71 83,633.47

2.4 Loans & Advances (Gross) (a+b+c+d+e+f)

7,285,756.51 6,703,645.41 4,870,923.76

a. Real Estate Loan 255,680.28 230,751.36 149,449.13

1. Residential Real Estate Loan (Except Personal Home Loan upto Rs 10 million)

2. Business Complex & Residential Apartment Construction Loan

3. Income generating Commercial Complex Loan

4. Other Real Estate Loan (Including Land Purchase & Plotting) 255,680.28 230,751.36 149,449.13

b. Personal Home Loan of Rs. 10 million or less

1,138,015.58 1,056,727.74 733,335.26

c. Margin Type Loan

d. Term Loan 1,338,399.51 1,214,375.00 762,096.31

e. Overdraft Loan / TR Loan / WC Loan 1,115,387.82 1,008,408.62 757,500.48

f. Others 3,438,273.31 3,193,382.68 2,468,542.58

2.5 Fixed Assets 100,051.38 96,466.54 76,528.62

2.6 Non Banking Assets 7,273.11 7,273.11

2.7 Other Assets 109,814.94 55,440.39 76,497.28

3 Profit and Loss Account

3.1 Interest income 263,330.35 894,096.23 182,950.52

3.2 Interest Expense 117,053.45 378,407.34 80,491.56



86

S.N. Particulars This Quarter

Ending Previous

Quarter Ending

Corresponding Previous

Year Quarter Ending

A Net Interest Income (3.1-3.2) 146,276.90 515,688.89 102,458.95

3.3 Fees Commission and Discount 2,613.96 12,126.22 2,033.34

3.4 Other Operating Income 31,034.79 106,747.49 22,555.97

3.5 Foreign Exchange Gain/Loss (Net)

B Total Operating Income (A+3.3+3.4+3.5) 179,925.65 634,562.60 127,048.26

3.6 Staff Expenses 39,916.45 141,120.44 32,997.50

3.7 Other Operating Expenses 26,310.73 107,568.22 19,821.06

C Operating profit Before Provision (B-3.6-3.7)

113,698.47 385,873.94 74,229.71

3.8 Provision for Possible Loss 9,116.36 16,048.10 6,335.63

D Operating profit (C-3.8) 104,582.11 369,825.84 67,894.07

3.9 Non Operating Income/Expenses (Net) 3,180.30 5,080.28 405.64

3.10 Write Back of Provision for Possible Loss

E Profit From Regular Activities (D+3.9+3.10)

107,762.41 374,906.11 68,299.72

3.11 Extraordinary Income/Expenses (Net) (2,926.93)

F Profit Before Bonus and Taxes (E+3.11) 107,762.41 371,979.19 68,299.72

3.12 Provision For Staff Bonus 9,796.58 33,816.29 6,209.07

3.13 Provision For Tax 29,389.75 101,448.87 18,627.20

G Net Profit/Loss (F-3.12 -3.13) 68,576.08 236,714.03 43,463.46

4 Ratios (Mandatory)

4.1 Capital Fund to RWA 13.22% 13.52% 12.78%

4.2 Non Performing Loan (NPL) to Total Loan

0.31% 0.19% 0.52%

4.3 Total Loan Loss Provision to total NPL 376.27% 625.52% 271.43%

4.4 Cost of Funds (LCY) 5.74% 5.99% 5.87%

4.5 CD Ratio (Calculated as per NRB Directives)

77.84% 76.37% 77.59%

4.6 Base Rate 10.13% 10.63% 10.92%

* The figures of Corresponding Previous Year Quarter Ending are the figures of Muktinath Bikas Bank Ltd. only.

* Loans & Advances and Non Banking Assets are being presented on gross basis and loss provisions are being included on other liabilities.

* Previous period figures have been regrouped/rearranged whereever necessary.* Above figures are subject to change upon otherwise instructions of Statutory Auditors and/or

Regulatory Authorities.



87

k"“hL j[l4 of]hgf (Capital Plan)g]kfn /fi6« a}Fssf] ldlt @)&@÷)$÷@! ut] a}Fs tyf ljQLo ;+:yfx¿nfO{ hf/L u/]sf] lgb]{zg cg';f/ /fli6«o :t/sf] ljsf; a}Fsn] ldlt @)&$, c;f/ d;fGt ;Dddf ?= @ ca{ %) s/f]8 r'Qmf k"FhL k'¥ofpg ;dfg'kflts ?kdf :ki6 k"FhL j[l4 of]hgf agfpg' kg]{ Joj:yf eP adf]lhd o; ljsf; a}Fssf] ;~rfns ;ldltn] tk;Ln cg';f/sf] k"FhL j[l4 of]hgf agfPsf] 5 .

tk;Lncf=j= @)&!÷)&@ sf] k"FhL ;+/rgf M

qm=;+= ljj/0f÷>f]t /sd -?=_ s}lkmot

!= xfnsf] r'Qmf k"FhL 640,025,000.00

,@= k|:tfljt jf]g; ;]o/ #!Ü 198,407,750.00

hDdf 838,432,750.00

cf=j= @)&@÷)&# sf] k"FhL ;+/rgf M


!= cf=j= @)&!÷)&@ sf] r'Qmf k"FhL 838,432,750.00 ,@= k|:tfljt xsk|b ;]o/ %)Ü -@M!_ 419,216,375.00 #= PlSjlh;g÷dh{/ 100,000,000.00 $= cg'dflgt jf]g; ;]o/ @#Ü 312,259,298.75

hDdf 1,669,908,423.75

cf=j= @)&#÷)&$ sf] k"FhL ;+/rgf M


!= cf=j= @)&@÷)&# sf] r'Qmf k"FhL 1,669,908,423.75

,@= k|:tfljt xsk|b ;]o/ @%Ü -$M!_ 417,477,105.94

#= PlSjlh;g÷dh{/ 100,000,000.00

$= cg'dflgt jf]g; ;]o/ !%Ü 328,107,829.45

hDdf 2,515,493,359.14



88

n3'ljQ sfo{qmd ;DaGwL ;+lIfKt emns

kl/roljkGg tyf k5fl8 kfl/Psf ju{x¿sf] cfly{s tyf ;fdflhs ljsf;sf] cfwf/sf] ?kdf ljsl;t, / ul/jL Go"gLs/0fsf] Ps ;zQm c:qsf] ?kdf k|dfl0ft eO{ ;s]sf] n3'ljQ sfo{qmdnfO{, d'lQmgfy ljsf; a}Fs ln=n] cfw'lgs a}+lsË ;]jf;+u} cufl8 a9fO{ /x]sf]5 . ul/jL Go"gLs/0f tyf dlxnf ;zlQms/0fsf nflu æufpF–ufpFdf n3'ljQ km}nfpF, ul/jL / ljkGgtf 36fpFÆ eGg] d"ndGqnfO{ cfTd;fy u/L, o; sfo{qmdnfO{ ljQLo ;dfj]zLs/0fsf] ?kdf lj:tf/ ul/Psf] 5 . >f]t, / ;fwgdf kxF'r gePsf, cj;/af6 al~rt dlxnfx¿nfO{ cfkm\gf] nlIft ju{ agfO{, pgLx¿sf] cfly{s tyf ;fdflhs :t/df ;sf/fTds kl/jt{gsf nflu, lagf lwtf], cyf{t ;fd"lxs hdfgLdf ;d]t shf{ k|jfx u/L, cfTdlge{/ agfpg], o;sf] k|d'v p2]Zo /x]sf] 5 . :yfgLo ;Lk, >d, / k"FhLsf] kl/rfngåf/f, ;dfhdf Go"g cfo ePsf ljkGg ju{x¿nfO{ cfoj[l4d"ns Joj;fo ;~rfng ug{ cfjZos kg]{ u'0f:t/Lo n3'ljQ ;]jf pknJw u/fO{, cfo:t/df j[l4 Nofpg, o; ljsf; a}Fsåf/f ;~rflnt of] sfo{qmddf ljljlws/0f, ;'wf/ / u'0f:t/ j[l4nfO{ lg/Gt/tf lbO{ /flvPsf] 5 . o;sf ;b:o tyf sd{rf/Lx¿sf] Ifdtf clea[l¢sf] nflu, tfnLd tyf ljQLo ;fIf/tf ;DaGwL sfo{qmdx¿ ;~rfng ul/+b} cfPsf] 5 .

cf=j= @)&!÷)&@ sf ultljlwx¿, / pknAwLx¿ M-s_ ;b:o ;ª\Vofo; ljsf; a}Fssf] n3'ljQ sfo{qmd cGtu{t cf=j= @)&!÷)&@ df @),))$ hgf gofF ;b:ox¿ yk eO{, @)&@, cfiff9 d;fGt ;Dddf o;sf] s'n ;b:o ;ª\Vof &&,)!@ hgf k'u]sf] 5 . rfn' cf=j= @)&@÷)&# sf] d+l;/ d;fGt ;Dddf, ^,(#( hgf gofF ;b:ox¿ yk eO{ o:sf] s"n ;b:o ;ª\Vof *#,(%! k'u]sf] 5 .

-v_ C0fL ;ª\Vofo; n3'ljQ sfo{qmd dfkm{t, cf=j= @)&!÷)&@ df, yk !$,*@% hgf u|fxsx¿n] shf{ ;]jf pkef]u u/]sf 5g\ . @)&@, cfiff9 d;fGt ;Dddf, o; sfo{qmd dfkm{t shf{ ;]jf pkef]u u/L /x]sf] s'n u|fxssf] ;ª\Vof %^,)*% k'u]sf] 5 . rfn' cf=j= @)&@÷)&# sf] d+l;/ d;fGt ;Dddf, $,$!% hgf shf{ lng] u|fxsx¿ yk eO{, s'n ^),%)) hgfn] shf{ kl/rfng u/L /x]sf 5g\ .

-u_ art kl/rfngo; n3'ljQ sfo{qmddf cfj4 ePsf u|fxsx¿af6, cf=j= @)&!÷)&@ df dfq, s'n art ?= #^,*@,*&,*#@÷– n] j[l4 ePsf] lyof] . @)&@, cfiff9 d;fGt ;Dddf, tL ;b:ox¿sf] s'n art ?= !,)&,#*,)#,!&!÷– /x]sf] 5 . rfn' cf=j= @)&@÷)&# sf] d+l;/ d;fGt ;Dddf, ?= !^,$#,#^,^*$÷– n] art j[l4 eO{, s'n art ?= !,@#,*!,#(,*%%÷– k'u]sf] 5 .



89

-3_ shf{ kl/rfng cf=j= @)&!÷)&@ ;Dddf, n3'ljQ sfo{qmd cGtu{t ?= (,)@,*$,*&,@#@÷– nufgL ePsf] lyof] . ;f]xL cjlwdf, ?= ^,(^,$!,&^,()^÷– c;"nL eO{, nufgLdf /xL/x]sf] shf{ /sd ?= !,$*,^*,(*,&$#÷– n] j[l4 eO{, cf=j @)&!÷)&@ sf] cGTo ;Dddf, nufgLdf /xL/x]sf] shf{ ?= @,)^,$#,!),#@^÷– k'u]sf] 5 . rfn' cf=j= @)&@÷)&# sf] d+l;/ d;fGt ;Dddf, ?= @*,&$,$^,%#@÷– n] nufgLdf j[l4 eO{, s'n nufgLdf /xL/x]sf] shf{ ?= @,#%,!&,%^,*%*÷– k'u]sf] 5 .

-ª_ sd{rf/Lx¿sf Ifdtf clej[l4 ;DaGwL tflndx¿ bIf sd{rf/Lx¿ o; ljsf; a}Fssf ;DklQ x'g\ . o; n3'ljQ ljefu cGtu{sf sd{rf/Lx¿sf] Ifdtf clej[l4 u/L, u'0f:t/Lo ;]jf k|bfg ub}{, o;n] lnPsf ljQLo tyf ;fdflhs nIox¿ k|fKtLsf nflu, cf=j= @)&!÷)&@ df, n]vf tyf Software Joj:yfkg, n3'ljQ Joj:yfkg, shf{ ljZn]if0f, zfvf Joj:yfkg, pGgt s[lif shf{, d'lQmgfy ;fd'bfoLs ljsf; s]Gb| kl/ro, jflif{s ah]6 lgdf{0f, ;–;fgf Joj;flos ljZn]if0fx¿ h:t} ;Lkx¿, / Ifdtfx¿, cflb j[l4 ug{, ljleGg !( j6f sfo{qmdx¿ dfkm{t $#% hgf sd{rf/Lx¿nfO{, ljleGg tflndx¿df ;xefuL u/fOPsf] 5 .

-r_ ;Lkd"ns tyf Joj;foLs tflndx¿plrt ;Lkx¿sf cefjdf /x]sf, ;fg} ePklg, cfˆgf Joj;fox¿nfO{ lg/Gt/tf lbO{ cfly{s ?kdf ;an, / ;Ifd aGg vf]Hg], o; ;+:yfsf] n3'ljQ sfo{qmddf cfj4 ePsf ;b:ox¿sf] cfTdlge{/tf clej[l4 ug]{ p2]Zon], cf=j= @)&!÷)&@ Dff, d}gaQL, df]8f, ;fa'g agfpg], / afv|fkfng, df};dL tyf a}df};dL t/sf/L v]tLx¿, nufot !& k|sf/sf Joj;fod"ns tyf ;Lkd"ns tflnd sfo{qmdx¿ dfkm{t, s'n &(^ hgf ;b:ox¿nfO{ tflnd k|bfg ul/Psf] 5 .

-5_ jflif{s s]Gb| k|d'v uf]i7L n3'ljQ ;]jf k|bfg ug]{ sfof{nox¿sf] dftxtdf /x]sf s]Gb|x¿sf] Joj:yfkgnfO{ ;an agfpFb}, o; ljsf; a}Fssf] ;]jf ;'ljwf k|lt u|fxs ;b:ox¿sf] cfjZostf, wf/0ff, u'gf;f], ;'wf/ ug'{kg{] kIfx¿ af/]df hfgsf/L lng], xfn ljBdfg ;]jf ;'ljwfx¿ af/]df hfgsf/L k|bfg ug]{, / ;du|df ;+:yfut lbuf]kgf, / u'0f:t/Lo ;]jf k|bfg ug]{ pkfox¿ af/]df 5nkmn ug{, jflif{s ?kdf s]Gb| k|d'vx¿sf] uf]i7L sfo{qmd cfof]hgf ul/+b} cfPsf] 5 . o; cf=j= cGtu{t, @^ j6f sfof{nox¿df #,^$% hgf s]Gb| k|d'vx¿, ljleGg r/0fx¿df, jflif{s uf]i7L sfo{qmddf ;xefuL x'g' ePsf] 5 .

-h_ ljQLo ;fIf/tf tflnd d'lQmgfy ljsf; a}Fs ln=n] cfkm\gf ;b:ox¿, tyf 5/l5d]sLx¿df, ljQLo kxF'rsf] dxTjnfO{ Jofks lj:tf/ ub}{, ljQLo ;]jfx¿, / o;sf kmfO{bfx¿sf] af/]df hfgsf/L u/fpg] p2]Zon], ljQLo ;fIf/tf (Financial Literacy) ;DaGwL tflnd k|bfg ug]{ sfo{nfO{ lg/Gt/tf lbb}+ cfPsf]



90

5 . cf=j= @)&!÷)&@ df, %! :yfgx¿df ljQLo ;fIf/tf sfo{qmd ;DkGg ul/Psf]df, s'n *,)@) hgf :yfgLox¿sf] ;xefuLtf /x]sf] 5 . o; sfo{qmd af/] hgr]tgf hufpg]], ;'/lIft art, shf{ tyf ljk|]if0faf6 k|fKt /sdsf] pTkfbgd"ns nufgL, kfl/jfl/s ah]6 tyf of]hgf, hf]lvd Go"gLs/0fsf] nflu ladfsf] k|of]u, nufotsf ljifox¿df r]tgf clej[l4 u/fpg], o; tflndsf] d'Vo p2]Zo /x]sf] 5 .

-em_ /]l8of] sfo{qmdo; ljsf; a}Fssf lgoldt ultljlwx¿ dfkm{t pknAw u/fpFb} cfPsf ;]jf, / ;'ljwfx¿, tyf ljQLo ;fIf/tf cleofgnfO{ /]l8of] sfo{qmd dfkm{t k|zf/0f ug]{ p2]Zon], kf]v/f, l;h{gf rf]sdf l:yt, /]l8of] hggL ()=^ d]ufxh{ dfkm{t x/]s ;f]djf/, ;fFem j]n'sL %M#) ah]b]lv æd'lQmgfy a}+lsË ;]/f]km]/f]Æ gfds /]l8of] sfo{qmd ;~rfng ul/b} cfPsf]5 .

-`_ SMS Alert ;]jf g]kfnd} klxnf] k6s n3'ljQ sfo{qmddf cfj4 x'g' ePsf ;b:ox¿nfO{, pxfFx¿n] o; ;+:yf dfkm{t u/]sf] sf/f]af/x¿sf] hfgsf/L, SMS dfkm{t, pxfFx¿ s} df]afO{ndf k'¥ofpg] Joj:yf ul/Psf] 5 . of] ;]jf, o; ;+:yfn] lgMz'Ns ?kdf pknAw u/fPsf] 5 . o; k|sf/sf] ;]jfn], ;b:ox¿sf] sf/f]af/x¿df cem} kf/blz{tf Nofpg'sf ;fy}, ;+rfng hf]lvd Go"gLs/0f x'g] dxz'z ul/Psf] 5 .

-6_ art e'QmfgL k"hf{ (Withdrawal Slip) ;]jf o; ljsf; a}Fssf] n3'ljQ sfo{qmddf cfj4 ePsf ;b:ox¿n] /fv]sf] artnfO{ Jojl:yt, / ;'/lIft tj/n] /sd lkmtf{ u/fpg] kl/kf6Lsf] ljsf; ug{, o;sf x/]s ;b:onfO{ Computer Software af6 g} Print u/L ;'/lIft tj/n] art e'QmfgL k"hf{ -r]s h:t}_ ljt/0f ug]{ sfo{sf] ;'?jft ul/Psf] 5 . ;fy}, pxfFx¿sf] klxrfgsf] nflu, kmf]6f], / b:tvt gd'gf ;+sng u/L, Software df cBfjlws ug]{ qmd hf/L 5 . o;n] eljiodf, n3'ljQ sfo{qmddf klg ABBS ;]jf ;~rfngdf Nofpg ;xh k'¥ofpg] 5 .

-7_ ahf/ Joj:yfkg ;DaGwL cGt/lqmof n3'ljQ 8]:s sfof{no x]dhf, jflnË, / b'n]uf}+8fsf] cfof]hgf, tyf iDE Nepal sf] ;xof]udf, x]dhf, jflnË, / b'n]uf+}8f ahf/df, ;b:ox¿n] pTkfbg u/]sf s[lif ;fdfu|Lx¿sf] laqmL ljt/0fsf] nflu, :yfgLo Jofkf/L tyf s[ifsx¿ aLr cGt/lqmof sfo{qmd ul/Psf] lyof] . pQm sfo{qmddf !*) hgf s[ifsx¿sf] ;xefuLtf /x]sf] lyof] .

-8_ Web Based Software sf] k|of]uo; ljsf; a}Fssf] n3'ljQ sfo{qmdnfO{ lbuf], u'0f:t/Lo, r':t, / b'?:t agfO{ a9L eGbf a9L u|fxs ;b:ox¿sf] 3/b}nf]df ljQLo ;]jf pknAw u/fpg] p2]Zon] Web Based Centralized



91

Software ;~rfngdf NofOPsf] 5 . @)&! df3 ! ut]b]lv o; ljsf; a}Fssf] n3'ljQ sfo{qmdsf ;Dk"0f{ sf/f]af/x¿ o;} Software dfkm{t, ;kmntfk"j{s, ;~rfngdf cfPsf 5g\ .

-9_ Progress out of Poverty Index (PPI) sf] k|of]ud'lQmgfy ljsf; a}Fs lnld6]8n] cfkm\gf] n3'ljQ sfo{qmd;+u cfj4 ePsf ;b:ox¿sf] Progress Out of Poverty Index dfkgsf] nflu, ;j]{If0f sfo{sf] z'?jft u/]sf] 5 . o:tf ;b:ox¿nfO{ cfj4 u/fpFbf, ;xL, nlIft ju{sf] klxrfg ug]{, / ;d"xdf cfj4 eO{ ;s]sf ;b:ox¿sf] k|ultsf] dfkg ug]{ sfo{, o; PPI af6 ul/g]5 . PPI sf] ljsf; Grameen Foundation n] u/]sf] xf] . ljZjsf $)) eGbf a9L n3'ljQ ;+:yfx¿n] o;sf] k|of]u ug]{ u/]sf 5g\ .

yk hfgsf/Lsf] nflu M http://www.progressoutofpoverty.org/

n3'ljQ tkm{ ljut kfFr jif{sf] k|ult ljj/0fS.N. Particular Unit 2068,

Ashadh 2069,

Ashadh 2070,

Ashadh 2071,

Ashadh 2072,

Ashadh

1 Institutional Details

a. Branches No. 21 21 25 31 37

b. Total Staff No. 120 138 152 202 228

c. Total Field Staff No. 71 88 79 91 113

2 Outreach

a. Districts No. 3 3 10 10 10

b. VDCs No. 126 135 163 192 262

c. Muncipalities No. 5 5 9 14 17

d. Existing Centers No. 2,236 2,465 2,812 3,407 4,630

e. Existing Groups No. 8,356 9,264 10,385 12,286 18,099

f. Existing Members No. 40,576 43,452 47,812 57,008 77,012

g. Existing Borrowers No. 26,046 25,742 32,073 41,260 56,085

3 Savings NRs. 205,446,124 359,867,059 549,926,465 705,515,339 1,073,803,171

a. Group Savings NRs. 56,681,685 97,762,303 144,386,159 204,997,930 287,706,254

b. Center Fund Savings NRs. 3,022,126 2,769,445 2,340,472 7,137,768 14,678,936

c. Personal Savings NRs. 56,082,772 94,390,630 141,767,772 257,424,138 434,032,490

d. Muktinath Pension Savings NRs. 53,841,542 93,710,347 137,076,404 198,912,186 293,926,534

e. Festival Savings NRs. 606,357 511,745 851,091 3,324,398 5,725,724

f. Upkar Savings NRs. 2,309,742 4,394,502 7,250,573 10,613,124 15,331,313

g. Other Savings NRs. 32,901,900 66,328,087 116,253,994 23,105,795 22,401,920



92

S.N. Particular Unit 2068,

Ashadh 2069,

Ashadh 2070,

Ashadh 2071,

Ashadh 2072,

Ashadh 4 Loans

a. Cummulative Loan Disbursement

NRs. 1,533,060,290 2,493,367,790 3,662,520,746 5,708,261,337 9,024,931,736

b. Cummulative Loan Repaid NRs. 1,021,023,540 1,955,284,110 2,967,890,884 4,436,219,893 6,960,621,410

c. Loan Oustanding NRs. 512,036,750 538,083,680 694,629,861 1,272,041,444 2,064,310,326

d. Portfolio in Arrears (PIA)>1Day

NRs. - 288,377 2,570,059 1,709,643 1,414,436

e. Poftfolio at Risk (PAR) >1Day NRs. 498,283 3,147,440 1,709,643 2,125,716

f. Loan Loss Reserve NRs. 5,120,367 5,624,995 8,551,400 14,389,057 25,507,946

g. Delinquent Borrowers No. - 17 92 47 48

h Repayment Rate % 100% 100% 99.91% 99.96% 99.93%

5 Income & Expenditure

a. Total Income NRs. 94,491,080 119,938,003 133,604,560 219,718,630 366,655,105

Interest Income from Loan NRs. 91,051,832 103,630,589 114,422,521 176,324,115 311,493,942

Other income NRs. 3,439,249 16,307,415 19,182,040 43,394,515 55,161,163

b. Total Expense NRs. 68,589,115 80,604,477 96,875,019 141,228,723 232,795,898

Personnel Expenses NRs. 15,979,229 22,206,275 28,781,283 35,612,569 57,043,476

Administrative Expenses NRs. 8,738,837 11,039,500 14,373,826 22,355,448 28,072,629

Interest Expenses NRs. 41,325,930 46,225,646 49,763,907 75,759,166 135,913,369

Other Expenses NRs. 2,545,120 1,133,056 3,956,003 7,501,540 11,766,425

c. Total Profit & Loss NRs. 25,901,965 39,333,527 36,729,541 78,489,907 133,859,207

d. Operational Self Sufficiency % 138 149 138 156 158



93

cfw'lgs a}+ls·, / n3'ljQ sf/f]af/sf] t'ngfTds l:yltjf;nft -@)&@ ;fn, cfiff9 d;fGt_

qm=;+= kF"hL tyf bfloTjrfn' cf=j= -?=_

ut cf=j= -?=_ s'n -?=_

a}+lsË tkm{ -?=_

n3'ljQ tkm{ -?=_

!= z]o/ kF"hL 838,432,750 838,432,750 - 507,150,000

@ hu]8f tyf sf]ifx¿ 133,613,210 133,613,210 - 88,637,682

#= C0f kq tyf aG8 - - - -

$= ltg{ afFFsL shf{ ;fk6 27,470,000 - 27,470,000 98,150,000

%= lgIf]k bfloTj 7,781,557,593 6,707,754,422 1,073,803,171 5,197,885,492

^= e'QmfgL lbg'kg]{ lanx¿ - - - -

&= k|:tfljt nfef+z 10,442,513 10,442,513 - 7,350,000

*= cfos/ bfloTj - - - 4,380,124

(= cGo bfloTj 208,955,494 67,968,569 140,986,925 125,881,893

!)= cGt/ a}Fs ;fk6L* 886,696,189 - 886,696,189 433,239,307

s'n bfloTj 9,887,167,749 7,758,211,464 2,128,956,286 6,462,674,498

qm=;+=

;DklQrfn' cf=j= -?=_

ut cf=j= -?=_ s'n -?=_

a}+lsË tkm{ -?=_

n3'ljQ tkm{ -?=_

!= gub df}Hbft 226,585,646 225,608,456 977,190 139,462,395

@ g]kfn /fi6« a}Fsdf /x]sf] df}Hbft 475,269,995 475,269,995 - 247,897,351

#=a}Fs ljQLo ;+:yfdf /x]sf] df}Hbft

13,499,746 12,039,219 1,460,527 12,761,326

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

1,410,411,043 1,403,648,473 6,762,570 1,062,645,388

%= nufgL 103,471,549 71,280,311 32,191,238 85,768,943

^= shf{ ;fk6 tyf lan vl/b# 6,625,259,805 4,560,949,479 2,064,310,326 4,377,596,103

&= l:y/ ;DklQ 96,468,245 77,861,977 18,606,268 66,816,148

*= u}/ a}+lsË ;DklQ - - - -

(= cGo ;DklQ 49,505,531 44,857,365 4,648,166 36,487,537

!)= cGt/ a}Fs ;fk6L* 886,696,189 886,696,189 - 433,239,307

s'n ;DklQ 9,887,167,749 7,758,211,464 2,128,956,286 6,462,674,498# b'n]uf}+8f n3'ljQ 8]:ssf sd{rf/Lx¿af6 c;"n pk/ ug'{ kg]{ /sd ?= #%,%%,$(^.) shf{af6 36fO{, lng' kg]{ lx;fj

-cGo ;DklQ_df ;dfj]z ul/Psf] .* n3'ljQ tkm{sf] cfGtl/s ;fk6L dfkm{t pkef]u ePsf] /sd, bfloTj / ;DklQdf aF'bf g+= !) df b]vfOPsfn] ;f]xL

adf]lhd kl/is[tsf] s'n /sd km/s kg{ uPsf] .



94

gfkmf–gf]S;fg lx;fj -@)&!, >fj0f ! b]lv @)&@, cfiff9 d;fGt ;Ddsf]_

qm=;+=

ljj/0fa}+lsË tkm{

-?=_n3'ljQ tkm{

-?=_s'n -?=_

!= Jofh cfDbfgL 523,832,228 312,410,697 836,242,925

@= Jofh vr{ 214,882,854 135,913,369 350,796,223

v'b Jofh cfDbfgL 308,949,374 176,497,328 485,446,702

#= sldzg tyf l8:sfp06 12,364,948 7,350 12,372,298

$= cGo ;~rfng cfDbfgL 37,475,118 53,589,606 91,064,724

%= ;6xL 36a9 cfDbfgL - - -

s'n ;~rfng cfDbfgL 358,789,440 230,094,284 588,883,724

^= sd{rf/L vr{ 76,448,187 57,043,476 133,491,663

&= cGo ;~rfng vr{ 67,354,517 28,072,629 95,427,146

*= ;6xL 36a9 gf]S;fg - - -

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng gfkmf 214,986,736 144,978,179 359,964,915

(= ;Defljt gf]S;fgL Joj:yfx¿ 18,386,459 11,118,972 29,505,431

;~rfng gfkmf 196,600,277 133,859,207 330,459,484

!)= u}/ ;~rfng cfDbfgL÷ -gf]S;fg_

2,191,095 - 2,191,095

!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ 14,381,177 - 14,381,177

lgoldt sf/f]jf/af6 ePsf] gfkmf 213,172,549 133,859,207 347,031,756

!@= c;fdfGo sf/f]af/x¿af6 ePsf] gfkmf÷vr{

- - -

;Dk"0f{ sf/f]af/x¿ ;dfj]z kl5sf] v'b gfkmf 213,172,549 133,859,207 347,031,756

!#= sd{rf/L jf]g; Joj:yf 19,379,322 12,169,019 31,548,341

!$=

cfos/ Joj:yf 61,332,027 36,507,056 97,839,083

o; jif{sf] 62,463,058 36,507,056 98,970,114

ut jif{sf] - - -

:yug ul/Psf] s/ vr{÷ -cfDbfgL_

(1,131,031) - (1,131,031)

v'b gfkmf÷gf]S;fg 132,461,200 85,183,131.61 217,644,332



95

sfof{no k|d'vx¿sf]] gfd

qm=;+= sfof{no cfw'lgs a}+lsË tkm{ n3'ljQ 8]:s tkm{ s}lkmot

! k[YjLrf]s, sf:sL >L afa'/fd 9sfn n3'ljQ 8]:s g/x]sf]

@ lrKn]9'+uf, sf:sL >L w'|j/fh /]UdL >L gu]Gb|/fh kf}8]n

# a}bfd, sf:sL >L z+s/ a/fn n3'ljQ 8]:s g/x]sf]

$ 5f]/]kf6g, sf:sL >L k'gd nD;fn >L ;l/tf 9sfn

% xl/rf]s, sf:sL >L dgf]h u'?Ë n3'ljQ 8]:s g/x]sf]

^ x]dhf, s:sL >L ;Gtf]if ltjf/L >L nId0f uf}td

& gofFk'n, sf:sL >L lbk]Gb| 9sfn >L afns[i0f /]UdL

* a'9Lahf/, sf:sL >L /fdrGb| /fgfef6 >L ;Gtf]if nfld5fg]

( sfxF"vf]nf, sf:sL >L z+s/ yfkf >L s[i0f k|;fb /]UdL

!) uuguf}+8f, sf:sL >L s]zj /fh kf}8]n >L bdg k|;fb kf]v|]n

!! k'tnLahf/, :ofËhf >L Clif 9sfn >L 6f]k axfb'/ yfkf

!@ km]bLvf]nf, :ofËhf >L lbks kf}8]n b'j} tkm{sf] lhDd]jf/L /x]sf]

!# h'Un], :ofËhf >L cGh" >]i7 Æ

!$ ch'{grf}kf/L, :ofËhf >L j]b k|sf; 9sfn Æ

!% lj?jf, :ofËhf >L ;Gtf]if kf}8]n Æ

!^ ao/3f/L, :ofËhf >L ;'Gb/ >]i7 >L zld{nf uf]bf/

!& jflnË, :ofËhf >L df]xg sf]O{/fnf >L /fh]z 9sfn

!* rfkfsf]6, :ofËhf >L gjLg sfkm\n] b'j} tkm{sf] lhDd]jf/L /x]sf]

!( uNofË, :ofËhf >L rGb| ;f? >L bfdf]b/ kf08]

@) ldld{, :ofËhf >L 9'08L /fh kf08] b'j} tkm{sf] lhDd]jf/L /x]sf]

@! sfsL{g]6f, kj{t >L /fd]Zj/ /]UdL >L v'd axfb'/ 3tL{

@@ afUn'Ë ahf/, afUn'Ë >L ljsf; kf}8]n >L ;'gf]b kf}8]n

@# tfxF", kfNkf >L lbks kGt b'j} tkm{sf] lhDd]jf/L /x]sf]

@$ ;/O{, kfNkf >L k"0f{rGb| 8'd|] Æ

@% tfg;]g, kfNkf >L lbks kf08] >L lgd{nf nfld5fg]

@^ /L8L, u'NdL >L ljgf]b k/fh'nL

@& a'6jn, ?kGb]xL >L uf]ljGb clwsf/L >L l6sf/fd >]i7

@* e}/xjf, ?kGb]xL >L s]bf/ cof{n >L nj ;'bg l;+x



96

qm=;+= sfof{no cfw'lgs a}+lsË tkm{ n3'ljQ 8]:s tkm{ s}lkmot

@( x/}of, ?kGb]xL >L s[i0f s'df/ rf}w/L b'j} tkm{sf] lhDd]jf/L /x]sf]

#) /fdfk'/ snf]gL, ?kGb]xL >L gj/fh vgfn

#! uf]kLu+h, gjnk/f;L >L k|z'gf/fo0f dfemL

#@ lu?jf/L, gjnk/f;L >L O{Zj/ ;fksf]6f >L ;Gtf]if /f]sf

## 8]9ufpF, gjnk/f;L >L ls;fg yfkf

#$ gf/fo0fu9, lrtjg >L z+s/ k'/L >L eLdnfn kf}8]n

#% vf]n]l;dn, lrtjg >L ofbj k|;fb e§

#^ kfj{tLk'/, lrtjg >L d]3/fh 9sfn

#& 8'd|], tgx"F >L ljZj If]qL >L lx/fd0fL l;njfn

#* bdf}nL, tgx"F >L nIdL eQm vgfn >L d's]z ljqmd j:tL

#( ledfb, tgx"F >L 6+sk|;fb 9sfn >L /d]z kf}8]n

$) b'n]uf}+8f, tgx"F >L gj/fh k/fh'nL >L lbk]Gb| s]=;L=

$! dxf/fhu+h, sf7df08f} >L e/t vgfn n3'ljQ 8]:s g/x]sf]

$@ cf?3f6, wflbË >L hLjg yfkf >L /fh]z yfkf

$# wflbËj]zL, wflbË >L ;'bg kf}8]n >L lgzfg >]i7

$$ a}/]gL, wflbË >L ljgf]b vltj8f >L ;'Gb/ kf}8]n

$% l;/fg ahf/, wflbË >L kfj{tL e08f/L a]gL3f6df ;fg]{ of]hgf /x]sf]

$^ uN5L, wflbË >L tf/fgfy l;njfn wfs]{df ;fg]{ of]hgf /x]sf]

$& cfbd3f6, wflbË >L ljZjgfy vltj8f PS;6]G;g sfpG6/

$* ;Nofg6f/, wflbË >L ;'jfif a:of}nf Æ

$( k'5f/ ahf/, wflbË >L ;l/tf l;+v8f Æ



X



XI



XII



XIII



XIV



XV



XVI



I

k|wfgdGqL b}jL k|sf]k p2f/ sf]ifsf nflu /sd x:tfGt/0f ub}{

d'lQmgfy ljsf; a}“s lnld6]8sf s]lx ultljlwx?

zfvf sfof{no, a'9Lahf/sf] ;d'b\3f6g sfo{qmddf

zfvf sfof{no, sfx"Fvf]nfsf] ;d'b\3f6g sfo{qmddf



II

;+:yfsf sd{rf/L :j= s[i0f k|;fb lqkf7Lsf] ladf /sd x:tfGt/0f ub}{

e'sDk lkl8tx?nfO{ /fxt ljt/0f ub}{

n3'ljQ ;b:ox?sf nflu df]afO{n SMS Alert ;]jfsf] z'ef/De ub}{



III

n3'pBd Joj;fosf nflu ;Demf}tf ub}{

s]Gb| k|d'v uf]i7Ldf k'/:s[t kbflwsf/Lx?

"From Vision to Reality" sfo{qmddf ;xefuL sd{rf/Lx¿



IV

"MCDC Joj:yfkg" tflnddf ;xefuLx?

æn3'ljQ Joj:yfkgÆ tflnddf sd{rf/Lx¿

n3'ljQ sfo{qmdsf] cjnf]sg ub}{ ljb]zL n3'ljQ ljz]if1x?



V

"Soft Skill Development" tflnddf sd{rf/Lx¿

n3'ljQ sfo{qmdsf] cjnf]sg kZrft ljb]zL kfx'gfx?;Fu

ljb\ofyL{åf/f E-banking ;]jfsf] ;d'b\3f6g



VI

ufO{ kmd{sf] lg/LIf0f ub}{

n3'ljQ ;b:osf] t/sf/L v]tL

n3'ljQ ;b:osf] j+u'/kfng Joj;fo



VII

j[4x?sf nflu vfBfGg ;fdu|Lx? x:tfGt/0f ub}{

n3'ljQ s]Gb|sf ;b:ox¿

n3'ljQ ;b:oåf/f cfkm\gf wf/0ffx? /fVb}



VIII

jSt[Tjsnf k|ltof]lutfsf k'/:s[t ljb\ofyL{x¿

x]dhf zfvfsf k|d'v tyf n3'ljQ 8]:s k|d'v

shf{ ;'/If0f z'Ns cGtu{t /fxt ljt/0f



IX

ljQLo ;fIf/tf sfo{qmddf ;xefuLx¿

df]8f agfpg] tflnddf ;xefuLx¿

n3'ljQ ;b:oåf/f b'w ljqmL ub}{

gjf}+ jflif{s k|ltj]bg cf=j= @)&!÷)&@

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