ljifo;rl - nepal stock exchange · 4 pgglt ps emns -@)&% kf}if d;fgt ;dd_ . sdkgl /lhi6«f/sf]...

$: ljifo;rL - Nepal Stock Exchange · 4 pGglt Ps emns -@)&% kf}if d;fGt ;Dd_ . sDkgL /lhi6«f/sf] sfof{nodf btf{ ldltM @)&).)(.!& ut] . g]kfn /fi6« a}+saf6 Ohfht k|fKt ldltM @)&!.)^.!#$
ljifo;"rL

jflif{s ;fwf/0f ;ef ;DalGw ;"rgf ============================================================================== !

;fwf/0f ;ef ;DalGw hfgsf/L ================================================================================== @

k|f]S;L kmf/d -k|ltlglw kq_ ====================================================================================== #

pGgltsf Ps emns @)&% kf}if d;fGt ;Dd ==================================================================== $

pGglt $ jif{ ;Ddsf] ;+lIfKt cj:yf ============================================================================= %

;~rfns ;ldltsf] k|ltj]bg ===================================================================================== !!

sDkgL P]g @)^# sf] bkmf !)( pkbkmf $ cg';f/sf] cltl/Qm ljj/0f ========================================== !&

lwtf]kq btf{ tyf lgisfzg;Fu ;DalGwt jflif{s ljj/0f ======================================================== @)

n]vfkl/Ifssf] k|ltj]bg ========================================================================================== @@

ljQLo ljj/0fx? -cg';"lr ;lxt_ =============================================================================== @$

n]vf ;DalGw dxTjk"0f{ gLltx? ================================================================================= $(

n]vf ;DalGw l6Kk0fLx? ========================================================================================= %!

ljz]if k|:tfjdf k]z ul/Psf] ltg dxn] =========================================================================== %^

g]kfn /fi6« a}+ssf] lgb]{zg ======================================================================================= %*

Joj:yfkg ;d"x tyf zfvf sfof{nox?sf] ljj/0f =============================================================== ^)

1

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rf}yf] jflif{s ;fwf/0f ;ef ;DalGw ;"rgf .o; pGglt dfOs|f]kmfOgfG; ljQLo ;+:yf lnld6]8sf] ;~rfns ;ldltsf]] ldlt @)&% ;fn df3 )# ut] a;]sf] !@% cf+} j}7ssf] lg0f{ofg';f/ ljQLo ;+:yfsf] rf}yf] jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, :yfg / ;dodf b]xfosf ljifox? pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g, @)^# sf] bkmf ̂ & cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx?sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

;fwf/0f ;ef j:g] M

ldlt M @)&% ;fn df3 @^ ut] zlgaf/ -tb\g';f/ )( k]ma|'c/L, @)!(_ :yfg M xf]6n kf}jf, l;=g=kf=-^, lrN8«]gkfs{, e}/xjf, ?kGb]xL . ;do M laxfg (=)) ah] .

5nkmnsf ljifox? M

s_ ;fdfGo k|:tfjx?M

!= ;~rfns ;ldltsf] tkm{af6 cWoIfHo"n] k|:t't ug'{ x'g] cf=j=@)&$÷&% sf] k|ltj]bg kfl/t ug]{ . @= n]vfk/LIfssf] k|ltj]bg ;lxtsf] cf=j= cf=j=@)&$÷&% sf] jf;nft, gfkmf gf]S;fg lx;fj / gub k|jfx ljj/0f nufot

ljQLo ljj/0fdf 5nkmn u/L kfl/t ug]{ . #= g]kfn /fi6« a}+ssf] :ynut lg/LIf0fsf] lgb]{zg adf]lhd ;~rfns kbdf ! hgfnfO{ k|ltlglwTj gx'Gh]n;Ddsf nflu ;~rfns

;ldltn] u/]sf] lgo'lQmnfO{ cg'df]bg ug]{ tyf ;+:yfks z]o/wgL ;d"x “s” sf] @ hgfnfO{ ;~rfns kbdf jfFsL cjlwsf] nflu / ;j{;fwf/0f z]o/wgL ;d"x “v” jf6 k|ltlglwTj ug]{ @ hgfnfO{ ;~rfns kbsf] nflu lgjf{rg ug]{ .

$= ;~rfns ;ldltn] k|:tfj u/] adf]lhd @)&% cfiff9 d;fGt;Dd sfod /x]sf] r'Qmf k"FhLsf] @=!# k|ltzt s/ k|of]]]hgfy{ gub nfef+z :jLs[t ug]{

%= sDkgL P]g,@)^# sf] bkmf !!! adf]lhd cf=j=@)&%÷)&^ sf] nflu n]vf k/LIfs lgo'lQm tyf kfl/>lds tf]Sg] .

v_ ljz]if k|:tfjx?M

!_ ;~rfns ;ldltn] k|:tfj u/] adf]lhd @)&% cfiff9 d;fGt;Dd sfod /x]sf] r'Qmf k"FhLsf] $)=%) k|ltzt af]g; z]o/ :jLs[t ug]{ / ;f]xL xb ;Dd hf/L k"FhL tyf r'Qmf k"FhL a[l4 ug]{ ljz]if k|:tfj :jLs[t ug]{ .

@_ g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd k|aGwkq / lgodfjnLdf a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)&# adf]lhd x'g] u/L ljQLo ;+:yfsf] gfd ;+zf]wg ug]{ .

#_ af]g; z]o/ / xsk|b kZrft sfod r'Qmf k"FhL ?= )* s/f]8 *@ nfv &% xhf/ sf] %M! cg'kftdf cyf{t @) k|ltzt xsk|b z]o/ hf/L ug]{ ljz]if k|:tfj :jLs[t ug]{ .

$_ clws[t k"FhL, hf/L k"FhL / r'Qmf k"FhL j[l4 ug]{ ljz]if k|:tfj :jLs[t ug]{ .%_ ljQLo ;+:yfsf] sfo{If]q lj:tf/ u/L /fli6«o :t/df :t/f]Gglt ug]{ .^_ ljQLo ;+:yfsf] k|aGw kq tyf lgodfjnLdf ;+zf]wg ug]{ ;DalGw ljz]if k|:tfj kfl/t ug]{ tyf pQm ;+zf]wgdf g]kfn /fi6« a}+s

jf cGo lgodgsf/L lgsfon] k]m/abn u/]df cfjZos ;+zf]wg tyf kl/dfh{g ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg ug{ :jLs[t ug]{ .

&_ ljQLo ;+:yfn] cGo Ohfhtkqk|fKt n3'ljQ ;:yfx?nfO ufEg] jf ;+:yfx?;+u ufleg], ufEg]÷ufleg] (Merger) jf k|fKtL ug]{÷ k|fKtL x'g hfg] (Acquisition) k|of]hgfy{ pko'Qm b]lvPdf ;f] ;+u ;DalGwt cfjZos ;Dk"0f{ sfjf{xL cuf8L a9fpg ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ .

-u_ ljljw .

;+rfns ;ldltsf] cf1fn]

sDkgL ;lrj

2

;fwf/0f ;ef ;DaGwL hfgsf/LM

!= jflif{s ;fwf/0f ;ef k|of]hgsf nflu ldlt @)&%.!).!^ ut] ! -Ps_ lbg ljQLo ;+:yfsf] z]o/ bflvn vf/]h aGb /xg] 5 . g]kfn :6s PS;r]Gh lnld6]8df ldlt @)&%.!).!% ut] ;Dd sf/f]af/ eO{ z]o/wgL btf{ lstfadf sfod z]o/wgLx?df jflif{s ;fwf/0f ;efdf efu lng, dtbfg ug{ tyf ut t];|f] jflif{s ;fwf/0f ;efjf6 kfl/t eO g]kfn lwtf]kq af]8{jf6 :jLs[t ePsf] @)&% cfiff9 d;fGt ;Dd sfod r'Qmf k"FhL ?= % s/f]8 %) nfv sf] %M! cg'kft cyf{t @) k|ltzt xsk|b z]o/df cfj]bg ug{ of]Uo x'g] 5g\ .

@= ;efdf efu lng] k|To]s z]o/wgL dxfg'efjn] ;ef x'g] :yfgdf pkl:yt eO{ ToxfF /x]sf] xflh/L k'l:tsfdf b:tvt ug'{ kg]{5 . xflh/L k'l:tsf laxfg *=)) ah] b]lv v'Nnf /xg]5 .

#= sDkgL P]g, @)^# cg';f/sf] jflif{s ljQLo ljj/0f, ;~rfns ;ldltsf] k|ltj]bg, n]vfk/LIf0f k|ltj]bg z]o/wgLx?n] lg/LIf0f jf k|fKt ug{ rfxg' ePdf sDkgLsf] /lhi68{ sfof{no, l;4fy{gu/ gu/kflnsf–!@, ?kGb]xLaf6 pknAw u/fpg ;lsg] Joxf]/f hfgsf/L u/fOG5 . pNn]lvt ljj/0f ljQLo ;+:yfsf] j]e;fO6 7]ufgf www.unnatimfi.com.np dfkm{t x]g{ ;Sg'x'g]5 . ;efdf efu lng OR5's z]o/wgL dxfg'efjx?n] ;"rgf ;fy ;+nUg k|j]zkqsf] ;fy} z]o/ k|df0fkq÷lgIf]k ;b:osf] aL=cf]=cfO{=l8= gDa/, cfkm\gf] kl/ro v'Ng] k|df0f -h:t} gful/stfsf] k|df0fkq jf cGo s'g} kl/rokq_ ;ef x'g] lbg clgjfo{ ?kdf ;fydf lnO{ cfpg' x'g cg'/f]w 5 .

$= ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx?n] ;f] ;DaGwL lgj]bg ;ef x'g' eGbf $* 306f cufj} cyf{t ldlt @)&% ;fn df3 @$ ut] ljxfgsf] (=)) ah] leq ljQLo ;+:yfsf] /lhi68{ sfof{no, l;4fy{gu/ gu/kflnsf–!@, ?kGb]xLdf btf{ u/fO{ ;Sg' kg]{5 . o;/L k|ltlglw -k|f]S;L_ lgo'Qm ul/Psf] JolQm ;d]t sDkgLsf] z]o/wgL x'g' cfjZos 5 .

%= k|ltlglw -k|f]S;L_ lgo'Qm u/L ;Sg' ePsf z]o/wgL cfkm} ;efdf pkl:yt eO{ xflh/L lstfjdf b:tvt ug'{ ePdf cl3 lbOPsf] k|f]S;L :jtM jb/ x'g]5 .

^= Ps} z]o/wgLn] Ps eGbf jl9 k|ltlglw -k|f]S;L_ d's// u/]df h'g d'sl/t k|f]S;L ljQLo ;+:yfsf] /lhi68{ sfof{nodf klxnf k|fKt eO{ bt{f x'G5 ;f] Ps dfq dfGo x'g]5 / ;f] afx]ssf] k|f]S;L dfGo x'g] 5}g .

&= k|ltlglw d's// ubf{ cfkm\gf] ;Dk"0f{ z]o/sf] k|ltlglw Ps} JolQmnfO{ ug'{ kb{5 .

*= gfjfns jf ljlIfKt z]o/wgLsf] tkm{af6 sDkgLsf] z]o/ nut lstfadf ;+/Ifssf] ?kdf btf{ ePsf] JolQmn] efu lng jf k|ltlglw tf]Sg ;Sg' x'g]5 .

(= z]o/wgLx?n] JoQm u/]sf] dGtJo jf k|Zgx?sf] ;DjGwdf ;~rfns ;ldltsf] tkm{af6 ;fd"lxs ?kn] jf ;ldltaf6 clVtof/L kfPsf JolQmn] hjfkm lbg ;Sg]5g\ .

!)= 5nkmnsf] ljifo cGtu{t ljljw lzif{s ;DjGwdf z]o/jfnf dxfg'efjx?n] s'g} ljifo pk/ 5nkmn ug{ rfxg' ePdf ;f] ljifo jf/]df ;fwf/0f ;ef x'g' eGbf slDtdf & -;ft_ lbg cl3 ljQLo ;+:yfsf] /lhi68{ sfof{no dfkm{t sDkgLsf] cWoIfnfO{ lnlvt ?kdf hfgsf/L lbg' kg]{5 . h;af6 To:tf] ljifodf cfjZos k"j{ tof/L ug{ ;lhnf] x'g]5 .

!!= o; ljQLo ;+:yfsf] ;~rfns lgjf{rg ;DaGwL lgb]{lzsf, @)&@ z]o/wgLx?n] ljQLo ;+:yfsf] s]Gb|Lo sfof{noaf6 ?=!,)))÷– z'Ns lt/L k|fKt ug{ ;Sg'x'g] 5 .

!@= ;d"x æsÆ / ;d"x ævÆ cGtu{tsf ;~rfnssf] lgjf{rg ;DaGwL lj:t[t hfgsf/Lsf] nflu ljQLo ;+:yfsf] /lhi68{ sfof{no, l;4fy{gu/ gu/kflnsf–!@, ?kGb]xLdf ;Dks{ ug{ x'g cg'/f]w ul/G5 .

!#= ;'/Iffsf] b[li6sf]0fn] z]o/wgL dxfg'efjx?n] oyfzSo emf]nf Kofs]6 cflb glnO{ cfpg' x'g cg'/f]w 5 . cfjZos b]lvPdf ;'/IffsdL{n] ;efsIfdf k|j]z ug]{sf] ;'/Iff hfFr ug{ ;Sg] x'Fbf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]t cg'/f]w 5 .

!$= cGo hfgsf/Lsf nflu ljQLo ;+:yfsf] /lhi68{ sfof{no l;4fy{gu/ gu/kflnsf–!@, ?kGb]xLdf ;Dks{ ug'{ x'g cg'/f]w 5 .

3

k|f]S;L kmf/d -k|ltlglw kq_>L ;~rfns ;ldltpGglt dfOs|f]kmfOgfG; ljQLo ;+:yf lnld6]8s]Gb|Lo sfof{no, l;4fy{gu/ gu/kflnsf-!@, ?kGb]xL .

ljifoM k|ltlglw lgo'Qm u/]sf] af/] .

dxfzo,

lhNnf ==================================== uf=lj=;=÷g=kf= ===================================== j8f g+= ===== a:g] ============================================================= n] To; ljQLo ;+:yfsf] z]o/wgLsf] x}l;otn] @)&% ;fn df3 @^ ut] zlgjf/sf lbg x'g] rf}yf]] ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu lhNnf ======================================== uf=kf=÷g=kf= ===================================== j8f g+= ===== a:g] To; ljQLo ;+:yfsf z]o/wgL >L ================================================= z]o/wgL g+=÷BOID. No. ============= nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt u/L k7fPsf] 5'÷5f}+ .

k|ltlglw lgo'Qm ePsf] JolQmsf] gfdM==================================================== z]o/wgL g+= ÷BOID. No. M=====================

gd"gf b:tvtM================================================================================ ldltM @)&%.!).

lgj]bs

b:tvtM

gfdM

7]ufgfM

z]o/wgL g+= ÷BOID. No. M===================== ls=g+= ===================== b]lv ====================== ;Dd

ldltM @)&%.!).

-b|i6Jo M of] lgj]bg ;fwf/0f ;ef x'g'eGbf $* 306f cufj} ljQLo ;+:yfsf] s]lGb|o sfof{nodf k]z ul/;Sg' kg]{5 ._

pGglt dfOs|f]kmfOgfG; ljQLo ;+:yf lnld6]8s]Gb|Lo sfof{no, l;4fy{gu/ gu/kflnsf–!@, ?kGb]xL .

k|j]z–kq

z]o/wgLsf] gfd >L =================================== z]o/wgL g+= ÷BOID. No. ===================== lnPsf] z]o/ ;+Vof ===============z]o/wgLsf] 7]ufgf ============================================================================= z]o/wgLsf] b:tvt=====================pGglt dfOs|f]kmfOgfG; ljQLo ;+:yf lnld6]8sf] ldltM @)&%.!).@^ ut] zlgjf/ lbg x'g] rf}yf]] ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z–kq .

b:tvt= ======================k|]d axfb'/ kf7s

sDkgL ;lrj

4

pGglt Ps emns -@)&% kf}if d;fGt ;Dd_ .sDkgL /lhi6«f/sf] sfof{nodf btf{ ldltM @)&).)(.!& ut] .g]kfn /fi6« a}+saf6 Ohfht k|fKt ldltM @)&!.)^.!# ut] .sDkgL /lhi6«f/sf] sfof{nojf6 sf/f]jf/ ug{ k|fKt :jLs[t ldltM @)&!.)&.!( ut] .cf}krfl/s sf/f]jf/ z"ef/DeM ldltM @)&!.)&.@! ut] . /lhi68{ s]Gb|Lo sfof{noM pGglt dfOs|f]kmfOgfG; ljQLo ;+:yf lnld6]8, l;4fy{gu/ gu/kflnsf-!@, ?kGb]xL kmf]g g+= M )&!%@!!@*, )&!%@!!@^, )&!%@!!@&, km\ofS; g+=M)&!%@!!@&,sfof{no ;+VofM #%, s]Gb|Lo sfof{noM !, zfvf sfof{noM #(ef}uf]lns sfo{If]qM ?kGb]xL, slknj:t', kfNkf, u'NdL, c3f{vfFrL, afUn'Ë, kj{t, DofUbL, d':tfË, Ko"7fg, /f]Nkf, ;Nofg, ;'v]{t, sf:sL / :ofËhf lhNnfx? . k|jfx ug]{ ;]jf M n3'shf{M ;fd"lxs hdfgLdf lagf lwtf] -clwstd ?= % nfv ;Dd_ / lwtf] hdfgLdf -?=# nfv b]lv ?= !) nfv

;Dd ._ n3'artM u|fxs ;b:ox?af6 dfq . n3'jLdfM u|fdL0fshf{ jLdf / kz'wg jLdf / lgs6 eljZodf jfnL jLdfsf] ;d]t sfof{Gjogdf Nofpgsf] nflu sfo{

e}/x]sf] . ljk|]if0f ;]jfM lgs6 eljZodf ljleGg a}+s tyf ljk|]if0f sDkgLx?;+usf] ;fem]bf/Ldf :jb]z leq jf ljb]zaf6 /sd 6«fG;km/

;]jf sfof{Gjogdf Nofpg] tof/L e}/x]sf] .

nlIft ju{M

-s_ ;fd"lxs shf{M !% s6\7f eGbf sd hUuf ePsf], Jojl:yt 3/ gePsf] / k|lt kl/jfl/s cfo /sd @ nfv ;Dd ePsf JolQm jf kl/jf/ .

-v_ n3'pBd shf{M ;fd"lxs shf{af6 ;kmntf k|fKt u/]sf] ;b:o . -u_ a}slNks shf{M ;d"xdf cfj4 x'g grfx]sf ljkGg ju{sf dlxnf tyf k'?ifnfO{ lwtf] lnO{ tyf a}+s ljQLo ;+:yf gk'u]sf

uf=kf= sf dlxnf tyf k'?ifnfO{ oy]i7 lwtf] hdfgLdf .

k"+hLM clws[t k"FhLM ?= !# s/f]8 @) nfv, hf/L tyf r'Qmf k"FhLM ?= ^ s/f]8 ^) nfv dWo] g]kfn lwtf]kq af]8{af6 :jLs[t ?= ! s/f]8 !) nfv hf/L k|lqmofdf /x]sf]n] r'Qmf x'g afFsL /x]sf] .

;~rfns ;ldltM !_ >Ldlt clgtf 9'Ëfgf zfx-cWoIf @_ >L v8\u axfb'/ /fgf-;~rfns #_ >L s]zj k|;fb zdf{ -;~rfns $_ >L t'n;L/fd vgfn -;~rfns

z]o/ :jfldTjsf] agf]6 M ;d"x s ;+:yfks z]o/wgLx? #& hgf, s'n lsQf # nfv *% xhf/ lsQf &) k||ltzt . ;d"x v ;j{;fwf/0f z]o/wgLx? !%!@* hgf, s'n lsQf ! nfv ^% xhf/ lsQf #) k||ltzt .

pGglt -@)&% kf}if ;Dd_ .

s'n u|fxs ;+VofM 28117 hgf . s'n C0fL ;+VofM ?= !&@$# hgf . s'n shf{ ljt/0fM ?= 35,76,98,40,000.00 s'n shf{ c;'nLM ?= 34,50,75,87,386.23 s'n shf{ af+sLM ?= 1,26,22,52,613.77 s'n art df}HbftM ?= 44,51,81,672.54lgis[o shf{ M ?= 98,31,610.00s'n cfDbfgL M ?= !#,*!,)#,^@%.$$ s'n vr{ M ?= 10,49,07,432.79

5

;Grfng gfkmf M ?= 3,31,96,192.65

pGglt $ jif{ ;Ddsf] ;+lIfKt cj:yf M

s'n cfDbfgL M ?= !!,!%,!#,*((.87 s'n vr{ M ?= *),@@,&)*!.81 ;Grfng gfkmf M ?= 3,12,86,818.06 pGglt $ jif{ ;Ddsf] ;+lIfKt cj:yf M

$ jif{sf] cjlwdf zfvf sfof{nox? lj:tf/sf] cj:yf M

- :tDe lrq g+= ! _

$ jif{sf] cjlwdf ;]jf kxF'rsf] cj:yf M

- :tDe lrq g+= @ _

$ jif{sf] cjlwdf ;d"xsf] cj:yf M

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s'n cfDbfgL M ?= !!,!%,!#,*((.87 s'n vr{ M ?= *),@@,&)*!.81 ;Grfng gfkmf M ?= 3,12,86,818.06 pGglt $ jif{ ;Ddsf] ;+lIfKt cj:yf M


- :tDe lrq g+= ! _

$ jif{sf] cjlwdf ;]jf kxF'rsf] cj:yf M

- :tDe lrq g+= @ _

$ jif{sf] cjlwdf ;d"xsf] cj:yf M

cf=j=@)&!÷)&@

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$ jif{sf] cjlwdf ;]jf kx'Frsf] cj:yf M

- :tDe lrq g+= # _

$ jif{sf] cjlwdf ;b:ox? a[l4sf] cj:yf M

- :tDe lrq g+= $ _

$ jif{sf] cjlwdf C0fL ;b:ox? a[l4sf] cj:yf M

cf=j=@)&!÷)&@

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$ jif{sf] cjlwdf ;d"xsf] cj:yf

$ jif{sf] cjlwdf ;b:ox? a[l4sf] cj:yf M

- :tDe lrq g+= % _

$ jif{sf] cjlwdf nufgL ePssf] shf{ a[l4sf] cj:yf M

- :tDe lrq g+= ^ _

$ jif{sf] cjlwdf shf{ c;'nLsf] cj:yf M

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

1,1425,218

10,241

15333

C0fL ;b:o ;+Vof

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

43231000393390000

1224448500

2636764800nufgL ePsf] shf{ ?=

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

-:tDe lrq g+= $_

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

7

$ jif{sf] cjlwdf C0fL ;b:ox? a[l4sf] cj:yf M

- :tDe lrq g+= % _

$ jif{sf] cjlwdf nufgL ePssf] shf{ a[l4sf] cj:yf M

- :tDe lrq g+= ^ _


cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

1,1425,218

10,241

15333

C0fL ;b:o ;+Vof

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

43231000393390000

1224448500

2636764800nufgL ePsf] shf{ ?=

$ jif{sf] cjlwdf nufgL ePsf] shf{ a[l4sf] cj:yf M

- :tDe lrq g+= & _

$ jif{sf] cjlwdf nufgLdf /x]sf] shf{ a[l4sf] cj:yf M

- :tDe lrq g+= * _

$ jif{sf] cjlwdf ltg{ afFsL ;fk6Lsf] cj:yf M

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

5,222,198.53 156,249,368.49

640,752,658.46

1622632346.06c;'nL ePsf] shf{ ?=

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

38,008,801.47237,140,631.51

583,695,841.54

1014132453.94

nufgLdf /lx/x]sf] shf{ ?=

8

- :tDe lrq g+= & _


- :tDe lrq g+= * _


cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

5,222,198.53 156,249,368.49

640,752,658.46

1622632346.06c;'nL ePsf] shf{ ?=

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

38,008,801.47237,140,631.51

583,695,841.54

1014132453.94

nufgLdf /lx/x]sf] shf{ ?=



- :tDe lrq g+= ( _

$ jif{sf] cjlwdf lgIf]k÷art kl/rfng a[l4sf] cj:yf M

- :tDe lrq g+= !) _

$ jif{sf] cj:yfdf v'b d'gfkmf a[l4sf] cj:yf

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

36000000206500000

468553233.8

852426823.1ltg{ afsL /x]sf] ;fFk6L ?=

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

3,964,653.4544,951,703.10

153,399,684.66

333580077.2

art÷ lgIf]k ?=

ltg{ afFsL /x]sf] ;fk6L ?=

9


- :tDe lrq g+= ( _


- :tDe lrq g+= !) _


cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

36000000206500000

468553233.8

852426823.1ltg{ afsL /x]sf] ;fFk6L ?=

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

3,964,653.4544,951,703.10

153,399,684.66

333580077.2

art÷ lgIf]k ?=


- :tDe lrq g+= !! _

$ jif{sf] cj:yfdf Non Performance Loan a[l4sf] cj:yf

- :tDe lrq g+= !@ _

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

-4,099,360.29

2,220,809.38

16,944,798.81 20555877.5

v'b d'gfkmf ?=

cf=j= @)&!÷)&@cf=j= @)&@÷)&#cf=j= @)&#÷)&$cf=j= @)&$÷)&%

0 0 0

6,291,304.20

NPL

10

- :tDe lrq g+= !! _

$ jif{sf] cj:yfdf Non Performance Loan a[l4sf] cj:yf

- :tDe lrq g+= !@ _

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

-4,099,360.29

2,220,809.38

16,944,798.81 20555877.5

v'b d'gfkmf ?=

cf=j= @)&!÷)&@cf=j= @)&@÷)&#cf=j= @)&#÷)&$cf=j= @)&$÷)&%

0 0 0

6,291,304.20

NPL


lgis[o shf{

$ jif{sf] cj:yfdf Non Performance Loan a[l4sf] cj:yf$ jif{sf] cjlwdf sfo{/t sd{rf/Lx?sf] cj:yf M

- :tDe lrq g+= !# _

;~rfns ;ldltsf] k|ltj]bg cfly{s jif{ @)&$÷)&%

cfb/0fLo ;+:yfks z]o/wgL dxfg'efjx?,

pGglt dfOs|f]kmfOgfG; ljQLo ;+:yf lnld6]8 sf] rf}yf}] jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ ;~rfns ;ldltsf] tkm{af6 d xflb{s :jfut clejfbg JoQm ub{5' .

ljQLo ;+:yfsf] t];|f] jflif{s ;fwf/0f ;efsf] o; ;'vb cj;/df n]vfk/LIfssf] k|ltj]bg ;lxtsf] @)&% cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt cfly{s jif{ @)&$÷)&% sf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f tyf cGo ljQLo ljj/0fx?sf ;fy} ljleGg lqmofsnfkx? ;lxtsf] of] k|ltj]bg cg';"rLx? o; ;ef ;dIf cg'df]bgsf] nflu o; ;Ddflgt ;ef ;dIf k|:t't ug{ kfpFbf d cToGt} uf}/jflGjt ePsf] 5' .

z]o/wgL dxfg'efjx?,

of] jflif{s k|ltj]bg a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)&#, sDkgL P]g, @)^# tyf g]kfn /fi6« a}+ssf] lgb]{zg cg'¿k tof/ u/L k|:t't ul/Psf] 5 .

s_ laut cf=a= @)&$÷&% sf] sf/f]jf/sf] l;+xfjnf]sg

g]kfndf ljBdfg ljQLo kxF'rsf] -Gap_ km/s k"lt{df of]ubfg k'/fpg] p¢]Zosf ;fy u|fxs—d}qL

gjLgtd n3'ljQ ;]jf k|:t'tsf ;fy n3'ljQ ahf/df k|j]z u/]sf] o; ljQLo ;+:yfn] 5f]6} cjlwdf cfkm\gf] nf]slk|o ;zQm a|fG8 pGglt sfod /fVg ;kmn ePsf] 5 . o;df xfdL ;a}n] uj{ ug{'kb{5 .

cf=j=@)&!÷)&@

cf=j=@)&@÷)&#

cf=j=@)&#÷)&$

cf=j=@)&$÷)&%

3466

115147

sd{rf/L ;+Vof

11

$ jif{sf] cjlwdf sfo{/t sd{rf/Lx?sf] cj:yf M

;~rfns ;ldltsf] k|ltj]bg cfly{s jif{ @)&$÷)&%

cfb/0fLo ;+:yfks z]o/wgL dxfg'efjx?,

pGglt dfOs|f]kmfOgfG; ljQLo ;+:yf lnld6]8sf] rf}yf}] jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk"0f{ z]o/wgL dxfg'efjx?nfO{ ;~rfns ;ldltsf] tkm{af6 d xflb{s :jfut clejfbg JoQm ub{5' .

ljQLo ;+:yfsf] rf}yf] jflif{s ;fwf/0f ;efsf] o; ;'vb cj;/df n]vfk/LIfssf] k|ltj]bg ;lxtsf] @)&% cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt cfly{s jif{ @)&$÷)&% sf] gfkmf gf]S;fg lx;fa, gub k|jfx ljj/0f tyf cGo ljQLo ljj/0fx?sf ;fy} ljleGg lqmofsnfkx? ;lxtsf] of] k|ltj]bg cg';"rLx? cg'df]bgsf nflu ;Ddflgt ;ef ;dIf k|:t't ug{ kfpFbf d cToGt} uf}/jflGjt ePsf] 5' .

z]o/wgL dxfg'efjx?,

of] jflif{s k|ltj]bg a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)&#, sDkgL P]g, @)^# tyf g]kfn /fi6« a}+ssf] lgb]{zg cg"¿k tof/ u/L k|:t't ul/Psf] 5 .

s_ laut cf=a= @)&$÷&% sf] sf/f]jf/sf] l;+xfjnf]sg

g]kfndf ljBdfg ljQLo kx'Frsf] -Gap_ km/s k"lt{df of]ubfg k"/fpg] p¢]Zosf ;fy u|fxs—d}qL gjLgtd n3'ljQ ;]jf k|:t'tsf ;fy n3'ljQ ahf/df k|j]z u/]sf] o; ljQLo ;+:yfn] 5f]6} cjlwdf cfkm\gf] nf]slk|o ;zQm a|fG8 pGglt sfod /fVg ;kmn ePsf] 5 . o;df xfdL ;a}n] uj{ ug'{kb{5 .

pGglt ljQLo ;+:yfsf] ;]jf æu|fxs-d}qL gjLgtd n3'ljQ ;]jf .Æ eGg] egfOnfO{ Jojxf/d} ptfg]{ k|oTgsf ;fy lgikIf, kf/bzL{ / ljj]sk"0f{ 9+uaf6 ljQLo ;+:yfsf x/]s ultljlwx? cuf8L a9L /x]sf] Joxf]/f oxfFx? ;dIf /fVg rfxG5' .

!_ k"FhL j[l4M ;j{;fwf/0f hf/L u/]sf]] ?= )! s/f]8 ^% nfv ;d]t u/L cf=j=)&$÷)&% df r'Qmf tyf hf/L k"FhL ?= )% s/f]8 %) nfv k'u]sf] 5 eg] pQm k"FhL %M! cg'kft cyf{t @) k|ltzt g]kfn lwtf]kq jf]8{jf6 :jLs[t r'Qmf k"FhL ?= )! s/f]8 !) nfv hf/L k|s[ofdf /x]sf] 5 .

@_ sf/f]jf/ tyf sfo{s|d lj:tf/ M cfly{s jif{ @)&@÷&# ;Dddf slkna:t' lhNnfsf] s[i0fgu/, rGb|f}6f, uf]?l;Ë], jf]8ufpF, bf]xgL, ks8Ldf u/L ^ j6f zfvfx?, kfNkf lhNnfsf] 3f]/aGbfdf ! zfvf, u'NdLsf] l/8L / g]6fdf @ j6f zfvfx? / c3f{vfFrL lhNnfsf] km'TjfËdf ! zfvf, ?kGb]xL lhNnfsf] xfF6LagufO, z+s/k'/ u/L @ zfvf tyf afUn'Ë sf] gf/fo0f:yfgdf ! zfvf u/L ^ lhNnfdf s'n !# j6f zfvfx? /xsf]df cfly{s jif{ @)&#÷&$ df ?kGb]xL lhNnfsf] dof{bk'/, x/}of, uh+]8L, d+unk'/, wswO{, k8;/L, as'nL, af;u9L, goFfufp / dlxnjf/ u/L !) j6f zfvf, kj{tsf] r'jf tyf dNnfhdfFemkmFf6df @ zfvf / Ko'7fgsf] h:k'/ tyf d/G7fgfdf @ zfvf u/L, cfly{s jif{ @)&$÷&% df ?kGb]xLsf] of]uLs'6L tyf en'xL u/L @ j6f zfvf, DofUbLsf] jfljofrf}/df ! j6f zfvf, d':tfËsf] hf]d;f]ddf ! j6f zfvf, kfNkfsf] /fdk'/df ! j6f zfvf u/L s'n % j6f zfvfx? yk eO{ cfly{s jif{ @)&$÷&% sf] cGTo ;Dddf !) lhNnfdf s'n #$ j6f zfvfx? tyf ! s]Gb|Lo sfof{no ;Grfngdf /x] .

cfly{s jif{ @)&$÷&% sf] cGTo ;Dddf &(&@ hgf ;b:o jl4 eO{ @$^&$ hgf, %)(@ hgf C0fL j[l4 eO{ !%### C0fL k'u]sf] 5 . ljQLo ;++:yfsf] nufgLdf /x]sf] shf{ klg ?= $# s/f]8 $ nfv #^ xhf/ ^ ;o !@ ?k}of $) k};f j[l4 e} ?= ! c/j ! s/f]8 $! nfv #@ xhf/ $ ;o %# ?k}of ($ k};f k'u]s]f / lgIf]k tkm{ ?= !* s/f]8 ! nfv *) xhf/ # ;o (@ ?k}of %$ k};f j[l4 e} ?= ## s/f]8 #% nfv *) xhf/ && ?k}of @) k};f k'u]s]f 5 . eg] v'b d'gfkmf ?= ! s/f]8 ^( nfv $$ xhf/ & ;o (* ?k}of *! k};f /x]sf] df ?= #^ nfv !! xhf/ &* ?k}of ^( k};fn] j[l4 e} ?= @ s/f]8 % nfv %% xhf/ * ;o && ?k}of %) k};f /x]sf] lyof] .

v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]jf/df k/]sf] c;/M rfn" cfly{s jif{ @)&$÷)&% df /fli6«o tyf

12

cGt/f{li6«o kl/l:yltn] xfd|f] ljQLo ;+:yfsf] sf/f]af/nfO{ vf;} c;/ kf/]sf] dxz"; ul/Pg . oBlk ljQLo ;|f]t pknAwtfdf ljQLo ahf/sf] pRr Jofh b/ sf/0f xfd|f] ljQLo ;+:yfnfO klg ljQLo vr{sf] ef/ cTolws k/]sf] 5 .

u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn" aif{sf] pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DjGwdf ;+rfns ;ldltsf] wf/0ff M

rfn" cf=j= )&$÷&% sf] ^ dlxgfsf] cjlwdf xfl;n ePsf] pknAwL b]xfo adf]lhd /x]sf] 5 .

qm=;= ljj/0f )&% kf}if )&% cfiff9 a[l4 c+sdf a[l4 -Ü_

! zfvf ;+Vof 39 34 5 14.71

@ ;b:o ;+Vof 28,117 24,674 3443 13.95

# C0fL ;+Vof 17,243 15,333 1910 12.46

$ nufgLdf /lx/x]sf] shf{ ?= 1,262,252,613.77 1,014,132,453.94 248120159.83 24.47

% s'n lgIf]k÷art /sd ?= 445,181,672.84 333,580,077.20 111601595.64 33.46

^ s'n cfo ?= 138,103,625.44 95,269,503.45 42834121.99 44.96

& s'n Aoo ?= 104,907,432.79 63,719,853.05 41187579.74 64.64

* s'n ;~rfng d'gfkmf ? 33,196,192.65 31,549,650.40 1646542.25 5.22

ljQLo ;+:yfn] rfn' cf=j= sf] ^ dlxgfdf % j6f zfvf j[l4 eO{ s'n #( j6f zfvf, #$$# hgf ;b:o j[l4 u/L @*!!& hgf, !(!)

C0fL ;b:o j[l4 u/L !&@$#, nufgLdf /x]sf] shf{ ?= @$,*!,@),!%(.*# j[l4 u/L ?= !,@^,@@,%@,^!#.&&, arttkm{ ?= !!,!^,)!,%(%.^$ ;+sng u/L s'n ?= $$,%!,*!,^&@.*$ kl/rfng u/]sf] 5 .

ljut cfly{s jif{ sf] cjlwdf ?= # s/f]8 !% nfv $( xhf/ ^ ;o %) ?k}of $) k};f s'n ;Grfnfg d'gfkmf /x]sf]df ;ldIff cjlw;Dddf g} ?= # s/f]8 #! nfv (^ xhf/ ! ;o (@ ?k}of ^% k};f s'n ;Grfng d'gfkmf ug{ ;kmn ePsf] 5 .

rfn' cf=j= )&%÷)&^ sf] ^ dlxgfsf] cjlwdf xfl;n ePsf] pknAwL / ut cf=j= )&$÷)&% sf] ;f]xL cjlwsf] t'ngfTds lrq0f b]xfo adf]lhd ul/Psf] 5 .

qm=;= ljj/0f )&% kf}if )&$ kf}if a[l4 c+sdf a[l4 -Ü_

! zfvf ;+Vof 39 29 10 34.48

@ ;b:o ;+Vof 28,117 21,529 6588 30.60

# C0fL ;+Vof 17,243 13,307 3936 29.58

$ nufgLdf /lx/x]sf] shf{ ?= 1,262,252,613.77 769,327,720.52 492924893.25 64.07

% s'n lgIf]k÷art /sd ?= 445,181,672.84 235,202,857.72 209978815.12 89.28

^ s'n cfo ?= 138,103,625.44 81,355,755.29 56747870.15 69.75

& s'n Aoo ?= 104,907,432.79 63,122,768.86 41784663.93 66.20

* s'n ;~rfng d'gfkmf ? 33,196,192.65 18,232,986.43 14963206.22 82.07

ljQLo ;++:yfn] rfn" cf=a=sf] ^ dlxgf tyf ut ;fnsf] ;f]xL cjlwdf xfl;n u/]sf] k|ult t"ngf ubf{ o; cjlwdf ljQLo ;++:yfsf] !) j6f zfvf j[l4 eO{ s'n #( j6f zfvf, ^%** hgf ;b:o jl4 eO{ @*!!& hgf ;b:o, #(#^ hgf C0fL jl4 eO{ !&@$# C0fL agfpg ;kmn /x]sf] 5 eg], ;f]lx cg"?k ljQLo ;++:yfsf] nufgLdf /x]sf] shf{ klg ?= $( s/f]8 @( nfv @$ xhf/ * ;o (# ?k}of @% k};f j[l4 e} ?= ! c/j @^ s/f]8 @@ nfv %@ xhf/ ^ ;o !# ?k}of && k};f 5 eg] lgIf]k tkm{ ?= @) s/f]8 (( nfv &* xhf/ * ;o !% ?k}of !@ k};f j[l4 e} ?= $$ s/f]8 %! nfv *! xhf/ ^ ;o &@ ?k}of *$ k};f k'u]sf] 5 .

ljut jif{ sf] ;f]xL cjlwdf ?= ! s/f]8 *@ nfv #@ xhf/ ( ;o *^ ?k}of $# k};f s'n ;Grfnfg gfkmf /x]sf]df ;ldIff jif{df ?= # s/f]8 #! nfv (^ xhf/ ! ;o (@ ?k}of ^% k};f s'n ;Grfnfg d"gfkmf ug{ ;kmn ePsf] 5 .

13

efjL sfo{qmd

rfn' cf=j= @)&%.)&^ df gofF zfvf lj:tf/sf] s|d hf/L /flvg] Joxf]/f oxfFx?nfO cg'/f]w u/fpb} lgs6 eljiodf @ j6f gof+ zfvf yk u/L $! j6f zfvf dfkm{t ;b:o #%*&$ hgf, C0fL ;b:o @$!^& hgf, jrt÷lgIf]k ? %# s/f]8,@@ nfv (( xhf/, nufgLdf /x]sf] shf{ ? ! c/j %) s/f]8 #& nfv )* xhf/ tyf ;+rfng d'gfkmf ? % s/f]8 $^ nfv &* xhf/ ( ;o (^ ?k}of nIo ;lxtsf] efjL sfo{s|d /x]sf] Joxf]/f hfgsf/L u/fpFb5' .

o; ljQLo ;+:yfn] rfn' cf=a= @)&%.)&^ sf] cGt;Dddf #%*&$ ljkGg kl/jf/sf ! nfv &( xhf/ # ;o ;Q/L eGbf a9L hg;+Vofdf ljQLo kx'Frsf] ;]jf k'/fOg] 5 .

sf/f]jf/sf] j[l4 ePdf dfq pk/f]Qm nIo xfl;n x'g] / sf/f]jf/ j[l4sf nflu xfn /x]sf] r'Qmf k"FhLjf6 k"FhLsf]if ckof{Kt x'g] x'bf t];|f] ;fwf/0f ;efjf6 kfl/t %M! cg'kftdf cyf{t @) k|ltzt xsk|b z]o/ ?= )! s/f]8 !) nfv / cf=a= )&$÷&% ;fnsf] $)=%) k|ltzt af]g; z]o/ ?= )@ s/f]8 @@ nfv &% xhf/ hf/L kZrft sfod x'g] hf/L tyf r'Qmf kF"hL ?= )* s/f]8 *@ nfv &% xhf/ sf] %M! cg'kftdf cyf{t @) k|ltzt xsk|b z]o/ hf/L u/L k"FhL a[l4 ul/g] nIo /x]sf]] 5 .

cfufdL % jif{ leqdf o; ljQLo ;+:yfnfO{ g]kfnsf] Ps cu|0fL Pjd\ gd"gf n3'ljQ ljQLo ;+:yfsf] ?kdf :yflkt ug]{ xfd|f] nIo /xsf] 5 . ;fy} eljiodf cg'ej, bIftf / k|lt:kwf{Tds Ifdtfsf] cfwf/df ljQLo ;+:yfnfO{ k|j4{g u/L Joj;foLs ;kmntf xfl;n ug{' xfd|f] bL3{sfnLg nIo /xg]5 .

;do ;fk]If shf{, art k|s[ofsf] kl/dfh{g / kl/is[t ub}{ nuL u|fxs ;+/If0f l;4fGtsf] kfngf, sfo{s|d tyf ;]jfsf] cWoog cg";Gwfg ub}{ cufl8 a9g] tof/L eO{/x]sf] ;d]t hfgsf/L u/fpg rfxG5' .

3_ sDkgLsf] cf}Bf]lus jf Jofj;flos ;DjGwM

o; ljQLo ;+:yfn] cfkm\gf u|fxsju{, ljleGg shf{ nufgL ug]{ a}+s ljQLo ;+:yfx?;+u ;b}j kf/blz{tfsf] cfwf/df Joj;flos Pj+ ;"dw"/ ;DaGw sfod ub}{ cfPsf] 5 . eg] ljQLo ;+:yfsf lgodg lgosfox? g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, g]kfn :6s PS;r]Gh ln=, g]kfn lwtf]kq jf]8{, l;8LP; P08 lSnPl/Ë ln= l;4fy{ Soflk6n ln= / OGkmf]8]enk;{ k|f=ln= nufot cGo lgofds lgsfox?;+u ;"dw"/ ;DaGw /x]sf] 5 . ljQLo ;+:yfn] u|fxsx?sf] ;"ljwfnfO{ Wofg lbP/ d]6 nfO{km OG:of]/]G; sDkgL tyf l/nfojn OG;'/]G; sDkgL;+u ldn]/ u|fdL0f shf{ jLdf of]hgf cGtu{t u|fxsnfO{ k|bfg ug]{ shf{sf] l;df ;Ddsf] u|fdL0f shf{ jLdf of]hgf sfof{Gjogdf NofPsf] 5 eg] shf{ ;"/If0f lgud;+u ldn]/ kz' jLdf of]hgf ;+rfng u/]sf] 5 .

ljQLo ;+:yfn] ;"?jft b]lv g} k|ljlwnfO{ cfTd;ft ub}{ s]Gb|Ls[t sDKo"6/ k|0ffnL sfof{Gjogdf NofPsf] 5 .

ª_ ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0f

ljQLo ;+:yfdf ;+:yfks z]o/wgLsf] tkm{af6 ut ;fwf/0f ;ef;Dd dgf]lgt÷lgjf{lrt ;~rfns ;ldltdf cWoIf >L clgtf zfx 9'Ëfgf, ;~rfns >L v8\u axfb'/ /fgf, ;~rfns >L dgf]h pkfWofo / ;~rfns >L nf]sgfy g]kfn /xg" ePsf]df .

;j{;fwf/0fsf] k|ltlglwTj x'g g;s]sf] sf/0f ! hgf ;Grfns yk ug]{ g]=/f=a}= sf] lgb]{zg adf]lhd of] ;fwf/0f ;ef;Ddsf nflu ljQLo ;+:yfsf] ;Grfns ;ldltsf] ldlt @)&%.)#.)( ut] a;]sf] !!@ cf} a}7sjf6 ;Grfns kbdf >L t'n;L/fd vgfnnfO{ lgo'Qm u/]sf]n] ;~rfnssf] ?kdf xfn ;Dd sfo{ ub}{ cfpg" ePsf] 5 .

r_ sf/f]jf/nfO{ c;/ ug]{ d"Vo s'/fx?

ljQLo ;+:yfsf] sf/f]jf/nfO{ c;/ kfg{ ;Sg] ljleGg lsl;dsf hf]lvdx?nfO{ tn k|:t't ul/Psf] 5 .

!_ yk ljQLo ;+:yfx?sf] :yfkgf / zfvf lj:tf/af6 x'Fb} uO/x]sf] cj:yfdf ;[lht k|lt:kwf{Tds hf]lvd .

@_ g]kfn ;/sf/ jf s]Gb|Lo a}+ssf] gLlt lgb]{zgdf kl/jt{g x'+bf l;h{gf x'g ;Sg] ;+efljt hf]lvdx? .

#_ Jofhb/df x'g] kl/jt{g tyf yk36n] pTkGg x'g;Sg] ;+efljt hf]lvdx? .

$_ /fi6«sf] cfly{s, df}lb|s tyf ljQLo gLlt kl/jt{gaf6 l;h{gf x'g;Sg] ;+efljt hf]lvdx? .

14

%_ u|fdL0f If]qdf OG6/g]6 tyf OG6«fg]6 sg]S6Lle6Lsf] ;xh pknAwtf gx'bf sf/f]af/df x'g ;Sg] ;+efljt hf]lvdx? .

&_ shf{x?sf] bf]xf]/f] tyf ax'kgfjf6 shf{df x'g ;Sg] hf]lvdx? .

*_ cGt/f{li6«o tyf /fli6«o ahf/df x'g] cfly{s dGbLaf6 g]kfnL ahf/df kg{ ;Sg] c;/af6 x'g ;Sg] cfly{s hf]lvdx? .

(_ cl:y/ /fhg}lts jftfj/0fjf6 sf/f]jf/df kg{ ;Sg] hf]lvdx? .

5_ n]vf k/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]lvt ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|ltls|of

o; k|ltj]bg ;fy ;+nUg n]vf k/LIf0f k|ltj]bg / n]vf ljj/0fn] oyfy{ / jf:tljs cj:yfsf] lrq0f u/]sf] 5 . n]vfk/LIf0f k|ltj]bgdf s'g} gs/fTds Joxf]/f pNn]v ePsf] 5}g . n]vfk/LIfssf] k|ltj]bg dfly ;~rfns ;ldltsf] tkm{jf6 vf;} l6Kk0fL -comment_ 5}g\ .

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

o; ljQLo ;+:yfdf ;j{;fwf/0f z]o/wgLsf] k|ltlglwTj ePkl5 dfq nfef+z af+8kmf+8 ug{ ;lsg] a}s tyf laQLo ;+:yf P]g, @)&#, sf] Joj:yf /x]sf]n] l;kmfl/; ul/Psf] 5}g .

em_ laut cfly{s aif{df ljQLo ;+:yf / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s aif{sf] cGtdf /x]sf] l:yltsf] k"g/fjnf]sg

o; ljQLo ;+:yfsf] s'g} ;xfos sDkgL 5}g .

cfly{s jif{sf] cGtdf l:yltsf] k"g/fjnf]sg ubf{, u|fxs ;b:o, shf{ nufgL, shf{ c;'nL Pj+ art ÷lgIf]k ;+sng / kl/rfngdf ;Gtf]ifhgs k|ult /x]sf] 5 . lj:t[t ?kdf o;} k|ltj]bgsf] s sf/f]jf/sf] l;+xfnf]sg lzif{sdf lrq0f ul/Psf] 5 .

!= gfkmf gf]S;fg l:yltM

ljQLo ;+:yfsf] cfly{s jif{ @)&#÷)&$ / cfly{s jif{ @)&$÷)&% sf] gfkmf gf]S;fgsf] cj:yf b]xfo cg";f/ t"ngfTds ?kdf k|:t't ul/Psf] 5 .

ljj/0fcf=j= cf=j= j[l4

@)&$÷)&% @)&#÷)&$ /sd k|ltzt

!= Jofh cfDbfgL 154,734,511.64 86,604,394.86 68,130,116.78 78.67

@= Jofh vr{ 89,695,541.59 35,100,488.95 54,595,052.64 155.54

v'b Jofh cfDbfgL 65,038,970.05 51,503,905.91 13,535,064.14 26.28

#= sldzg tyf ;+rfng cfDbfgL 30,230,533.40 9,651,835.94 20578697.46 213.21

s'n ;~rfng cfDbfgL 95,269,503.45 61,115,741.85 34,153,761.60 55.88

$= sd{rf/L vr{ 36,779,167.15 20,742,074.39 16,037,092.76 77.32

%= cGo ;~rfng vr{ 19,730,399.09 11,328,613.50 8,401,785.59 74.16

^= ;Defljt gf]S;fgL Joj:yfx? 7,210,286.81 3,640,656.97 3,569,629.84 98.05

;~rfng d'gfkmf 31,549,650.40 25,444,396.99 6,105,253.41 23.99

&= ;Defljt gf]S;fgL Joj:yf af6 lkmtf 752,442.81 175,104.12 577,338.69 329.71

lgoldt sf/f]jf/jf6 ePsf] d'gfkmf 32,302,093.21 25,619,501.11 6,682,592.10 26.08

*= sd{rf/L af]g; Joj:yf 2,936,553.93 2,329,045.56 607,508.37 26.08

(= cfos/ Joj:yf 8,809,661.78 6,345,656.74 2,464,005.04 38.83

v'b gfkmf÷gf]S;fg 20,555,877.50 16,944,798.81 3,611,078.69 21.31

15

o;/L ut jif{sf] t'ngfdf ;ldIff jif{df, cfDbfgL tkm{sf lzif{sx? s|dzM Jofh cfDbfgL &*.^& k|ltzt / s'n ;~rfng cfDbfgL %%.** k|ltzt j[l4 ug{ ;kmn ePsf] 5 eg], vr{ tkm{sf lzif{sx? s|dzM Jofh vr{ !%%.%$ k|ltzt, sd{rf/L vr{ &&.#@ k|ltzt ;Defljt gf]S;fgL Joj:yf vr{ (*.)% k|ltzt / cGo ;Grfng vr{ &$.!^ k|ltzt j[l4 ePsf] 5 .

o;/L sd{rf/L vr{ j[l4 x'g'df sd{rf/Lsf] ;+Vof yk x'g'jf6 tna eQfdf j[l4 x'g' xf] eg] Jofh vr{ j[l4 x'g'df ljQLo ahf/df pknJw ljQLo ;|f]tsf] a}+s ljQLo ;+:yfn] lng] Jofh b/ sf] j[l4 xf] .

of] sf/f]jf/ lj:tf/ ;+u} ePsf] vr{ tyf cfDbfgLdf j[l4 ePsf]n] ut cfly{s jif{ @)&#÷&$ df ?= ! s/f]8 ^( nfv $$ xhf/ & ;o (* ?k}of *! k};f v'b gfkmf /x]sf]df cfly{s jif{ @)&$÷&% sf] cGTo ;Dddf ?= @ s/f]8 % nfv %% xhf/ * ;o && ?k}of %) k};f v'b gfkmf sdfpg ;kmn /x]sf] 5 .

@_ ;DkQL bfloTjsf] cj:yfM ljQLo ;+:yfsf] ljQLo cj:yf /fd|f] x'b} uO/x]sf] b]xfosf ;DklQ tyf bfloTjsf s]xL d"Vo d"Vo ;"rfÍ cfly{s jif{ @)&#÷&$ / cfly{s jif{ @)&$÷&% t"ngfTds tflnsfn] lrq0f u/]sf] 5 .

;DklQ lzif{ssf d"Vo d"Vo ;"rfÍx?sf] tflnsfM s

ljj/0fcf=j= cf=j= j[l4

)&$÷)&% @)&#÷)&$ /sd k|ltzt

!= gub df}Hbft 3,269,605.01 2,587,804.32 681,800.69 26.35

@= g]kfn /fi6« a}+sdf /x]sf] df}Hbft 21,090,000.00 32,090,000.00 -11,000,000.00 -34.28

#= a}s tyf ljQLo ;+:yfdf /x]sf] df}Hbft 242,711,560.82 62,190,201.59 180,521,359.23 290.27

$= shf{ ;fk6 tyf ljn v/Lb 1,001,837,650.00 577,858,881.60 423,978,768.40 73.37

%= l:y/ ;DklQ 7,878,635.87 6,626,243.53 1,252,392.34 18.90

^= cGo ;DklQ 26,696,589.57 7,715,394.05 18,981,195.52 246.02

;DklQ tkm{sf ;"rsx? nufgLdf /x]sf shf{ ;fk6 ut jif{sf] t"ngfdf &#=#& k|ltzt, v'b l:y/ ;DkQLdf !*=() k|ltzt j[l4 ePsf] 5 .

bfloTj lzif{ssf d"Vo d"Vo ;"rfÍx?sf] tflnsfM v

ljj/0f cf=j=@)&$÷)&% cf=j=@)&#÷)&$j[l4

/sd k|ltzt

!= z]o/ k"+hL 77275000.00 38500000.00 38,775,000.00 100.71

@= hu]8f tyf sf]ifx? 11731464.67 14806532.39 -3,075,067.72 -20.77

#= ltg{ afsL shf{ ;fk6 852426823.09 468553233.83 383,873,589.26 81.93

$= lgIf]k÷art bfloTj 333580077.23 153399684.66 180,180,392.57 117.46

%= cGo bfloTj 19488646.08 8463417.47 11,025,228.61 130.27

ljutsf jif{xx?sf] cljtl/t d'gfkmf hu]8f sf]ifdf /flvPsf] of] jif{ ;f] lzif{ssf] /sd gfkmf jf8kmfF8 ePsf]n hu]8f tyf sf]ifx? 36]tf klg shf{ ;fk6 *!=(# k|ltzt / lgIf]k bfloTj !!&=$^ k|ltzt j[l4 ePsf] 5 . z]o/ k"FhL / ljkGg kl/jf/n] u/]sf] lgIf]k÷art /sdn] dfq pgLx?sf] shf{ cfjZostf k"lt{ x'g g;Sg] x'bf a}+s ljQLo ;+:yfx?jf6 lnPsf] shf{ ?= *% s/f]8 @$ nfv @^ xhf/ * ;o @# k};f ( /x]sf] xf] .

pk/f]Qm tflnsf cg';f/ @)&$ cfiff9 d;fGtsf] t'ngfdf @)&% cfiff9 d;fGtdf ljQLo ;+:yfsf]] k"FhL, lgIf]k, shf{ tyf nufgLdf pNn]vgLo a[l4 ePsf] 5 .

6_ dfgj ;+zfwg ;|f]t / ljsf; M ;ldIff cjlw;Dd ljQLo ;+:yfdf sfo{sf/L :t/df k|d'v sfo{sf/L clws[t ! hgf, Aoj:yfksLo

16

:t/ @ hgf, clws[t ^ hgf, ;xfos :t/ !)# hgf / ;xof]uL s/f/ #% hgf u/L s'n !$& hgf dfgj ;+zfwg ;|f]t sfo{/t /x]sf 5g\ .

ljQLo ;+:yfsf] k|ult tyf ;kmntf ef}lts k"jf{wf/ jf cGo sf/0fn] dfq geO{ :jod ljQLo ;+:yfdf sfo{/t hgzlQmsf] of]ubfgjf6 dfq ;Dej x'g]x'bf ljQLo ;+:yf;+u pknAw hgzlQmsf] plrt pkof]lutfnfO{ ljz]if Wofg lbg] ul/Psf] 5 . sd{rf/Lx?sf] Ifdtf, bIftf cyjf cfjZos tflnd tyf j[lQ ljsf;sf] ;d]t klxrfg u/L ;f]xL adf]lhd lhDd]jf/L x:tfGt/0f, tflnd, uf]i7L nufotsf cGo dfgj ;+zfwg ;DaGwL sfo{qmdx? ;~rfngdf Nofpg] ul/Psf] 5 . ljQLo ;+:yfsf d"Nox? ;d:t sd{rf/Lx?n] cg";/0f ug]{ jftfj/0f ;[hgf u/L ljQLo ;+:yfdf pGglt ;+:s[ltnfO{ k|uf9 kfg]{ p2]Zon] ljleGg pknlAwd"ns tflnd tyf uf]i7L sfo{qmdx? ;~rfng ul/b} cfOPsf] 5 .

sd{rf/Lx?n] cfkm\gf] lhDd]jf/L pT;fxhgs ?kdf ;Dkfbg ug{ pko"Qm clek|]/0ff k|bfg ug]{ tkm{ ljQLo ;+:yf s]lGb|t /lxcfPsf] 5 . k|efjsf/L Pjd\ ldtJooL ;~rfng / Joj:yfkg k|0ffnLsf] clej[l4sf nflu ljQLo ;+:yfn] ;km\6j]o/sf] dfWodaf6 x/]s ljefux? tyf sfof{nosf b}lgs lqmofsnfknfO{ lg/LIf0f ug]{ u/]sf] 5 eg] cfjZostf adf]lhd x]/km]/ jf k"g/fjnf]sg ;d]t ug]{ u/]sf] 5 . ljQLo ;+:yfsf] cfGtl/s ;"rgf ;~hfn ;a} sd{rf/Lx?sf] kx'Frleq ePsf] sf/0f ;~rf/ tyf ;"rgfsf] of] ;j{;"netfn] ljQLo ;+:yfdf sfd ug]{ tyf Ifdtf clej[l4 ug]{ jftfj/0fnfO{ k|f]T;flxt u/]sf]5 .

7_ wGoafb 1fkg

o; ljQLo ;+:yfdf ljZjf;sf ;fy nufgL u/L o; cj:yf;Dd ljQLo ;+:yfnfO{ k"¥ofOlbg' ePsf]df ;+:yfks z]o/wgL dxfg'efjx? k|lt xflb{s s[t1tf k|s6 ub{5' . ljQLo ;+:yfsf] n]vfk/LIf0f sfo{ ;";DkGg u/L ;f/ ule{t ;Nnfxx? / ;"emfj lbg' ePsf]df afXo n]vf k/LIfsnfO{ xflb{s wGojfb k|s6 ub{5' . o; ljQLo ;+:yfn] k|fKt u/]sf pknlAwx?sf] cfwf/ :tDesf] ?kdf /xg" ePsf Joj:yfkg Pj+ sd{rf/Lx?sf] nugzLntf Pj+ s8f d]xgtsf] pRr d"Nof+sg ug{ rfxG5' . g]kfn ;/sf/, g]kfn /fi6« a}+s, sDkgL /lhi6«f/sf] sfof{no, lwtf]kq jf8{, g]kfn :6s PS;r]Gh ln=,l;8LP; ;L l;4fy{ Soflk6n ln= tyf o; ljQLo ;+:yfnfO{ shf{ tyf art ;]jf k|bfg ug'{ x'g] ;a} a}+s tyf ljQLo ;+:yfx? / ;Dk"0f{ z"e]R5's Pj+ z"e lrGtsx?nfO{ xflb{s wGojfb k|s6 ub{5' . xfd|f] ljQLo ;+:yfnfO{ ljZjf; u/L ;]jf k|bfg ug]{ cj;/ k|bfg ug'{ ePsf]df ;Dk"0f{ u|fxs dxfg'efjx?nfO{ eljiodf klg xfd|f] ;DaGwdf ;"dw"/ lg/Gt/tfsf] cfzf /fVb} cGtdf ljz]if wGojfb lbg rfxG5' .

wGojfb , pGglt gd:t] Û

;~rfns ;ldltsf] tkm{af6clgtf 9'Ëfgf zfx

cWoIfldltM@)&%÷!)÷@^

;~rfns ;ldltsf] k|ltj]bg ;DalGw yk ljj/0f o;} ;fy ;+nUg 5 .

17

sDkgL P]g @)^# sf] bkmf !)( pkbkmf $ cg";f/sf] cltl/Qm ljj/0f -;~rfns ;ldltsf] 5'§} k|ltj]bgdf pNn]v x'g'kg]{_

s_ ljQLo ;+:yf tyf To;sf] ;xfos sDkgLn] cfly{s aif{df ;DkGg u/]sf k|d'v sf/f]jf/x? / ;f] cjlwdf sDkgLsf] sf/f]jf/df cfPsf] s'g} dxTjk"0f{ kl/at{g

cf=j= @)&$÷)&% df ljQLo ;+:yfsf] k|d'v sf/f]jf/x¿ jf sf/f]jf/df cfPsf] dxTjk"0f{ kl/jt{g ;DaGwdf dfly pNn]v e};s]sf] 5 . ljQLo ;+:yfsf] s'g} ;xfos sDKfgL g/x]sf] Joxf]/f cjut u/fpb5f} .

v_ laut cfly{s aif{df sDkgLsf cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L cf=j= @)&$÷)&% df ljQLo ;+:yfsf]] cfwf/e"t z]o/wgLx?n] ljQLo ;+:yfnfO{ s'g} Joxf]/f hfgsf/L gu/fPsf] Joxf]/f cjut

u/fp+b5f} .u_ laut cfly{s aif{df ljQLo ;+:yfsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] laa/0f / sDkgLsf] z]o/

sf/f]jf/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 ljQLo ;+:yfn] k|fKt u/]sf] hfgsf/L

;~rfnsx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f lgDg jdf]lhd /x]sf] / ;~rfnsx? tyf Joj:yfkgdf /x]sf kbflwsf/Lx? ljQLo ;+:yfsf] z]o/ sf/f]jf/df ;+nUg /x]sf 5}gg\ .

qm=;= Gffd kb u|x0f u/]sf] z]o/ ;+Vof k|ltlglwTj!= >L clgtf 9'Ëfgf zfx cWoIf !$#)) ;+:yfks ;d"x@= >L v8\u axfb'/ /fgf ;~rfns !$@(( ;+:yfks ;d"x#= >L nf]sgfy g]kfn ;~rfns %&!* ;+:yfks ;d"x$= >L dgf]h pkfWofo ;~rfns !@%)) ;+yfks ;d"x% >L t'n;L/fd vgfn ;~rfns !$#)) ;j{;fwf/0f ;d"x

3_ ljut cfly{s jif{df ljQLo ;+:yf;+u ;Dalwt ;Demf}tfx¿df s'g} ;+rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/] pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f .

cf=j= @)&$÷)&% df ljQLo ;+:yf;+u} ;DalGwt ;Demf}tfx¿df ;+rfns tyf lghsf] glhssf] gft]bf/sf] Joltmut :jfy{ g/x]sf] / xfn;DDf ljQLo ;+:yfdf To:tf] hfgsf/L pknAw gEfPsf] Joxf]/f hfgsf/L u/fpb5f}F .

ª_ ljQLo ;+:yfn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / c+lst d"No tyf To;/L z]o/ vl/b u/] jfkt sDklgn] e"QmfgL u/]sf] /sd .

xfn;Dd ljQLo ;+:yfn] cfkm\Gff] z]o/ cfkm}n] vl/b u/]sf] 5}g .r_ cfGtl/s lgoGq0f k|0ffnL ePsf] jf gePsf] / ePsf] eP ;f] sf] la:t[t laa/0f ljQLo ;+:yfn] cfGtl/s lgoGq0f k|0ffnL cGtu{t b]xfo adf]lhd sfdsf/jfxL ul/Psf] M –

!_ ;+rfng k|lqmoftkm{ cfly{s k|zf;g ljlgodfjnL, sd{rf/L ;]jf ljlgodfjnL, shf{ lglt, nufgL gLlt ,shf{ ckn]vg ljgLodfjnL, hf]lvd Aoj:yfkg gLlt, ;d""x ;Grfng lgb]{lzsf, art;]jf lgb]{lzsf, ;"rgf k|ljlw lgb{]zsf cfGtl/s n]vfk/LIf0flgb{]zsfx¿ tof/ u/L k|rngdf NofOPsf] 5 .

@_ n]vfk/LIf0f ;ldltn] cfGtl/s lgoGq0f k|lsofsf] lgoldt cg"udg ug]{ kl/kf6L ljsf; ul/Psf] 5 .

5_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f

cf=j= @)&$÷&% sf] Aoj:yfkg vr{ ?= %^%)(%^^.@$ /x]sf] 5 . Joj:yfkg vr{sf] ljj/0f b]xfo adf]lhd /x]sf] 5 .

sd{rf/L vr{ — ?= #,^&,&(,!^&.!%

sfof{no ;+rfng vr{ — ?= !,(&#)#((÷)(

hDdf vr{ ?= %^%)(%^^.@$

18

h_ n]vf k/LIf0f ;ldlt nufot cGo pk ;ldltsf ;b:ox?sf] gfdfjnL, k|fKt u/]sf] kfl/>lds tyf eQf ;'ljwfsf] ljj/0f . !_ n]vfk/LIf0f pk ;ldlt lgDg adf]lhd u7g ul/Psf] 5 .

;+of]hs M ;~rfns >L nf]sgfy g]kfn

;b:o M ;~rfns >L v8\u axfb'/ /fgf

;b:o M ;~rfns >L dgf]h pkfWofo

— n]vfk/LIf0f ;ldltn] cfGtl/s / afXo n]vfk/LIfsn] lbPsf] k|ltj]bgsf] cfwf/df ljQLo ;+:yfsf] ljQLo l:ylt, cfGtl/s lgoGq0f k|0ffnL, ljleGg sfg"gL lgb]{lzsfx?sf] cg"kfng tyf hf]lvd Go"gLs/0f ;DaGwdf Joj:yfkgnfO{ lgb]{zg / ;'emfj lbg'sf ;fy} ;~rfns ;ldltnfO{ hfgsf/L k|bfg ug]{5 .

— ;ldltsf kbflwsf/Lx?nfO{ a}7s eQf tf]lsP 5, a}7s eQf jfx]s s'g} kfl/>lds÷;'ljwf k|bfg ug]{ ul/Psf] 5}g . cf=j= @)&$÷)&% df n]vfk/LIf0f ;ldltsf] a}7s $ j6f a}7s a;]sf] lyof] . a}7s eQf jfkt /sd ?= !#))). k|bfg ul/Psf] 5 .

@_ Hff]lvd Joj:yfkg pk ;ldlt lgDg adf]lhd u7g ul/Psf] 5 .

;+of]hs M ;~rfns >L dgf]h pkfWofo

;b:o M ;~rfns >L v8\u axfb'/ /fgf

;b:o M ;~rfns >L nf]s gfy g]kfn

cf=j= @)&$÷)&% df o; pk ;ldltsf] a}7s @ j6f a}7s a;]sf] lyof] . a}7s eQf jfkt /sd ?= ^))). k|bfg ul/Psf] 5 .

— cfGtl/s lgoGq0f k|0ffnL, ljleGg sfg"gL lgb]{lzsfx?sf] cg"kfng tyf hf]lvd Go"gLs/0f ;DaGwdf Joj:yfkgnfO{ lgb]{zg / ;'emfj lbg'sf ;fy} ;~rfns ;ldltnfO{ hfgsf/L k|bfg ug]{5 .

#_ sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf pk ;ldlt lgDg adf]lhd u7g ul/Psf] 5 .

;+of]hs M ;~rfns >L v8\u axfb'/ /fgf

;b:o M ;~rfns >L nf]s gfy g]kfn

;b:o M ;~rfns >L dgf]h pkfWofo

cf=j= @)&$÷)&% df o; pk ;ldltsf] a}7s ! j6f a}7s a;]sf] lyof] . a}7s eQf jfkt /sd ?= $))). k|bfg ul/Psf] 5 .o; pk ;ldltn] sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf ;DaGwdf Joj:yfkgnfO{ lgb]{zg / ;'emfj lbg'sf ;fy} ;~rfns ;ldltnfO{ hfgsf/L k|bfg ub]}{ cfPsf] 5 .

$_ ;DklQ z'l4s/0f cg'udg pk;ldlt lgDg adf]lhd u7g ul/Psf] 5 .

;+of]hs M >L t'n;L/fd vgfn ;b:o M >L xl/x/ uf}td ;b:o M >L nfn axfb'/ /fjn

em_ ;~rfns, k|jGw ;~rfns, sfo{sf/L k|d'v, cfwf/e"t z]o/wgL tyf lghsf gft]bf/x? ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] ljQLo ;+:yfnfO{ s'g} /sd a"emfpg af+sL eP ;f] sf] ljj/0f

s'g} klg /sd j"emfpg afFsL /x]sf] 5}g .

`_ ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/LnfO{ e"QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/LnfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sdM o; ljQLo ;+:yfsf ;~rfns, tyf kbflwsf/Lx?nfO{ ljQLo ;+:yfsf] lgodfjnLdf Aoj:yf eP cg'?ksf] eQf cWoIfnfO{ k|lt a}7s eQf jfkt ?= !@)). / ;~rfnsnfO{ k|lt a}7s ?=!))). tyf sDkgL ;rLjnfO{ ;ldltn] tf]s] cg';f/ k|lt a}7s ?=!))). eQf k|bfg ul/Psf] 5 . cf=a=

19

@)&$÷)&% df a}7s eQf jfkt hDdf ?= !#%$))÷ - cIf/df Ps nfv k}tL; xhf/ rf/ ;o dfq k|bfg ul/Psf] 5 .

;~rfns ;ldltsf] a}7s o; cf=j=@)&$÷)&% df @^ k6s a;]sf]] lyof] .

ljQLo ;+:yfsf k|d'v sfo{sf/L clws[t nufot cGo sd{rf/Lx?nfO{ ljQLo ;+:yfsf] sd{rf/L ;]jf ljlgodfjnL ;fy} ;+rfns ;ldltn] :jLs[t u/] adf]lhd kfl/>lds, eQf / ;'ljwf k|bfg ul/Psf] 5 . o; ljQLo ;+:yfsf k|d'v sfo{sf/L clws[tnfO{ cf=a= @)&$÷)&% df dfl;s kfl/>lds, ;+ro sf]if, bz}eQf, ;Grf/ eQf, ljz]if eQf / af]g; u/L hDdf ?= !*,&%,!@(.^# -cIf?kL c7f/ nfv krxQ/ xhf/ Ps ;o plGt; k};f lq;¶L dfq ._ k|bfg ul/Psf] 5 .

6_ z]o/wgLx?n] a"lemlng afFsL /x]sf] nfef+zsf] /sd

xfn;Dd ljQLo ;+:yfn] nfef+z 3f]if0ff gu/]sf] xF'bf o:tf] /sd afFsL 5}g\ .

7_ sDkgL P]g @)^# sf] bkmf !$! adf]lhd hfgsf/L u/fpg' kg]{ ul/ s'g} ;DkQL v/Lb laqmL ul/Psf] s'/fsf] ljj/0f

ljQLo ;+:yfnfO{ cfjZos kg]{ ;Dkltx?sf] -kl/jxg, sfof{no ;fdfg, k"FhLut lgdf{0f, lnhxf]N8 ;DklQ_ v/Lb ljj/0f jf;nftsf] cg';"rL $=!) df pNn]v ul/Psf] 5 .

8_ sDkgL P]gsf] bkmf !&% adf]lhd ;Da4 sDklg lar ePsf] sf/f]af/sf] ljj/0f o:tf] sf/f]jf/ /x]sf] 5}g .

9_ o; P]g tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v"nfpg"kg]{ cGo s'g} s'/f .

s]xL gePsf] .

0f_ cGo cfjZos s'/fx¿ .

s]xL gePsf] .

20

lwtf]kq btf{ tyf lgisfzg lgodfjnL @)&# sf] lgod @^ sf] pklgod -@_ ;+u ;DalGwt ljj/0f

!= ;~rfns ;ldltsf] k|ltj]bg M

o;} jflif{s k|ltj]bgdf ;+nUg ul/Psf] .

@= n]vfk/LIfssf] k|ltj]bg M


#= n]vfk/LIf0f ePsf] ljQLo ljj/0f M


$= sfg"gL sf/jfxL ;DaGwL ljj/0f M

s_ ;+ul7t ;+:yfn] jf ;+:yfsf] lj?4 s'g} d"2f bfo/ ePsf] eP M

Joj;foLs afx]s cGo s'g} gePsf] .

-v_ ;+ul7t ;+:yfsf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] lj?4df k|rlnt lgodsf] cj1f jf kmf}Hbf/L ck/fw u/]sf] ;DaGwdf s'g} d"2f bfo/ u/]sf] jf ePsf] eP M

;f] ;DaGwL hfgsf/Ldf gcfPsf] .

-u_ s'g} ;+:yfks jf ;~rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf s'g} d"2f bfo/ ePsf] eP M

;f] ;DaGwL hfgsf/Ldf gcfPsf] .

%= ;+ul7t ;+:yfsf] z]o/ sf/f]af/ tyf k|ultsf] ljZn]if0f M

-s_ lwtf]kq ahf/df ePsf] ;+ul7t ;+:yfsf] z]o/sf] sf/f]af/ ;DaGwdf Joj:yfkgsf] wf/0ffM

g]kfn :6s PS;r]Gh / g]kfn lwtf]kq af]8{sf] ;"kl/j]If0fdf ;~rflnt ePsf] x'gfn] o; ;DaGwdf Joj:yfkgsf] s'g} wf/0ff gePsf] .

v_ cf=j= @)&$÷&% df ;+ul7t ;+:yfsf] z]o/sf] clwstd, Go"gtd / clGtd d"Nosf ;fy} s'n sf/f]af/ z]o/ ;+Vof / sf/f]af/ lbg .

clwstd d"No Go"gtd d"No clGtd d"No sf/f]jf/ lbg sf/f]jf/ z]o/ ;+Vof

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

^= ;d:of, r"gf}lt tyf /0fgLlt M

s_ ;d:of tyf r"gf}lt

cfGtl/s

– a9\bf] k|lt:kwf{sf sf/0f Aofhb/ cGt/ sd x'g' .– sf/f]af/ tyf zfvfx?sf] j[l¢ ;+u;u}+ ;~rfng hf]lvd Joj:yfkg r"gf}ltk"0f{ x'g' .– a9\bf] ;~rfng nfut .– a9\bf] hgzlSt lj:yfkg .

afx|o

– xfn;Dd klg n3'ljQIf]q k|ltsf] cfd hgtfsf] a"emfOdf sdL /x]sf]n] k/]sf] gsf/fTds c;/ .

21

– ahf/df ljBdfg÷/x]sf] cl:y/ t/ntf .– k|lt:kwL{ n3'ljQ a}+lsË ahf/ .– n3'ljQ a}+lsË ahf/sf] ljQLo ;|f]tsf] Jofh b/df a9\bf] ef/ .– n3'ljQ a}+lsË If]qdf a9\bf] lgliqmo shf{ .

v_ To:tf] ;d:of tyf r"gf}tL ;dfwfg ug{ Joj:yfkgn] cjnDag u/]sf] /0fgLlt M

– sd nfutsf] ljQLo ;|f]t dfkmt{ sf/f]af/ j[l4 ug]{ p2]Zon] ul/Psf] zfvf lj:tf/ cleofg . – ;]jf ljxLg shf{ u|fxssf] vf]hL . – ;DklQ tyf bfloTjsf] pTs[i6 Joj:yfkg . – sfo{Ifdtf lj:tf/sf] nflu lgoldt cfGtl/s tyf afÅo tflnd . – ;"dw"/ ;+:yfut ;DaGw . – ;~rfng vr{sf] lgoldt cg"udg tyf ljZn]if0f . – vr{x?sf] k|efjsf/L cg"udg tyf pRr hf]lvd o"Qm ;DklQx?sf] nflu plrt Joj:yfkg .

&= ;+:yfut ;"zf;g M

– ;"zf;g ;DaGwdf g]kfn /fi6« a}+saf6 hf/L ul/Psf] kl/kq, lgb]{zgx?nfO{ k"0f{ ?kdf kfngf ug]{ ul/Psf] .

– s]Gb|Lo Joj:yfkg ;ldltsf] a}7s lgoldt ?kdf x'g] u/]sf] .

– ljQLo o;+:yfsf] cfGtl/s n]vfkl/If0f ljefunfO{ ;zQm kfl/Psf] .

– ;~rfns ;ldlt / ;~rfns ;ldltåf/f u7Lt ;ldltx?sf] a}7s x'g] u/]sf] .

– hf]lvd Joj:yfkg ;DaGwL ;ldlt -;+rfng, shf{ / ahf/_ sf a}7s x'g] u/]sf] .

– ;~rfns ;ldlt tyf Joj:yfkg ;+:yfut ;"zf;g sfod /fVg sl6j4 /x]sf] .

22

23

24

k"+hL tyf bfloTj cg';"rL o; aif{ ?

ut aif{ ?

1= z]o/ k"+hL 4=1 77,275,000.00 38,500,000.00 2= hu]*f tyf sf]ifx? 4=2 11,731,464.67 14,806,532.39 3= C)fkq tyf a)* 4=3 - - 4= ltg{ afsL shf{ ;fk^ 4=4 852,426,823.09 468,553,233.83 5= lgIf]k bfloTj 4=5 333,580,077.23 153,399,684.66 6= k|:tfljt nfef+z 1,172,368.42 - 7= cfos/ bfloTj 8,809,661.78 6,345,656.74 8= cGo bfloTj 4=6 19,488,646.08 8,463,417.47

s'n k"+hL tyf bfloTj 1,304,484,041.27 690,068,525.09

;DklQ cg';"rL rfn" cf=j= ?=

ut cf=j= ?=

1= gub df}Hbft 3,269,605.01 2,587,804.32 2= g]kfn /fi^« a}+sdf /x]sf] df}Hbft 21,090,000.00 32,090,000.00 3= a}s/ljQLo ;+:yfdf /x]sf] df}Hbft 4=7 242,711,560.82 62,190,201.59 4= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd - - 5= nufgL 4=8 1,000,000.00 1,000,000.00 6= shf{ ;fk^ 4=9 1,001,837,650.00 577,858,881.60 7= l:y/ ;DklQ 4=10 7,878,635.87 6,626,243.53 8= u}/ a}lsª\u ;DklQ 4=11 - - 9= cGo ;DklQ 4=12 26,696,589.57 7,715,394.05

s'n ;DklQ 1,304,484,041.27 690,068,525.09 ;+efljt bfloTj cg';"rL 4=13 ;+rfnsx?sf] #f]if)ff cg';"rL 4=23 k"+hLsf]if tflnsf cg';"rL 4=24 hf]lvd efl/t ;DklQ ljj/)f tflnsf cg';"rL 4=24 -s_ k|d"v ;"rf+sx? cg';"rL 4=25 k|d"v n]vf gLtLx? cg';"rL 4=26 n]vf ;DaGwL l^Kk)fLx? cg';"rL 4=27 ;+:yfks÷;+:yfks ;d"xsf z]o/ wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/)f

cg';"rL 4=28

Variance between Audited and Unaudited Financial Result for the Fiscal Year 2074/2075 g]=/f= a}+s lgb]{zg cg';"rL 4=29

4=1 b]vL 4=13 ;Ddsf tyf 4=26 / 4=27 cg';"rLx? jf;nftsf cleGg c+u x'g\ . xfd|f] cfhsf] ldtLdf ;+nUg k|ltj]bg cg";f/

@)&% ;fn cfiff9 dlxgfsf] jf;nft

k|]d axfb'/ kf7sk|d"v sfo{sf/L clws[t

k|]d e"t]{nafx\o n]vfk/LIfs

e"t]{n P08 P;f]l;P6\;rf6{8{ PsfpG6]08;\

clgtf 9'Ëfgf zfxcWoIf

v8\u axfb'/ /fgf;~rfns

nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns

s]zj k|;fb zdf{;~rfns

25






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


ljj/)f cg';"rL o; aif{ ?

ut aif{ ?

1= Jofh cfDbfgL 4=14 154,734,511.64 86,604,394.86 2= Jofh vr{ 4=15 89,695,541.59 35,100,488.95 v'b Jofh cfDbfgL 65,038,970.05 51,503,905.91 3= sldzg tyf cGo ;+rfng cfDbfgL 4=16 30,230,533.40 9,651,835.94 4= ;^xL #^a( cfDbfgL - - s'n ;~rfng cfDbfgL 95,269,503.45 61,155,741.85 6= sd{rf/L vr{ 4=17 36,779,167.15 20,742,074.39 7= cGo ;~rfng vr{ 4=18 19,730,399.09 11,328,613.50 8= ;^xL #^a( gf]S;fg - - ;Defljt gf]S;fgL Joj:yf cl#sf] ;~rfng d'gfkmf 38,759,937.21 29,085,053.96 9= ;Defljt gf]S;fgL Joj:yfx? 4=19 7,210,286.81 3,640,656.97 ;~rfng d'gfkmf 31,549,650.40 25,444,396.99 10= u}/ ;+rfng cfDbfgL÷vr{ 4=20 - - 11= ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ 4=21 752,442.81 175,104.12 lgoldt sf/]fjf/af^ ePsf] d'gfkmf 32,302,093.21 25,619,501.11 12= c;fdfGo sf/f]jf/jf^ ePsf] cfDbfgL÷vr{ 4=22 - - ;Dk")f{ sf/f]jf/ ;dfj]z kl%sf] v'b d'gfkmf 32,302,093.21 25,619,501.11 13=sd{rf/L af]g; Joj:yf 2,936,553.93 2,329,045.56 14= cfos/ Joj:yf 8,809,661.78 6,345,656.74 ● o; aif{sf] s/ Aoa:yf - - ● laut aif{;Ddsf] s/ Aoa:yf● o; aif{sf] :yug s/ cfDbfgL/vr{ - - v'b gfkmf÷gf]S;fg 20,555,877.50 16,944,798.81

4=14 b]lv 4=22 ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fjsf cleGg c+u x'g\ . xfd|f] cfhsf] ldtLdf ;+nUg k|ltj]bg cg";f/

ldlt @)&$.)$.)! b]lv @)&%.)#.#@ ;Dd gfkmf gf]S;fg lx;fa

26






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


ljj/)f cg';"rL o; aif{ ?= ut aif{ ?=cfDbfgL1= ut jif{;Ddsf] ;+lrt d'gfkmf 10,612,306.71 - 2= o; jif{sf] d'gfkmf 20,555,877.50 16,944,798.81 3= ;^xL #^j( sf]if - -

hDdf 31,168,184.21 16,944,798.81 vr{1= ut jif{;Ddsf] ;+lrt gf]S;fg 2,604,636.36 2= o; jif{sf] gf]S;fg - - 3= ;fwf/)f hu]*fsf]if 4,111,175.50 3,388,959.76 4= e}k/L cfpg] hu]*f sf]if - - 5= ;+:yf ljsf; sf]if - - 6= nfef+; ;dLs/)f sf]if - - 7= sd{rf/L ;DaGwL hu]*fx? - - 8= k|:tfljt nfef+z 1,172,368.42 - 9= k|:tfljt af]g; z]o/ 22,275,000.00 - 10= ljz]if hu]*f sf]if - - 11= ;^xL #^j( sf]if - - 12= k"+hL lkmtf{ hu]*f sf]if - - 13= k+"hL ;dfof]hg sf]if - - 14= :yug s/ hu]*f - - 15= nufgL ;dfof]hgs sf]if÷-lkmtf{_ - - 16= uf|xs ;+/If)f sf]if 3,317,400.89 169,447.99 17= ;+:yfut ;fdflhs pQ/bfloTj sf]if 205,558.78 169,447.99 18= ut aif{sf] k|:tfljt af]g; z]o/ tyf nf+efzaf^ lkmtf{ - - 19= sd{rf/Lx?sf] bIftf clej[l$ sf]if - -

hDdf 31,081,503.59 6,332,492.10 15= ;l~rt d'gfkmf÷-gf]S;fg_ 86,680.62 10,612,306.71

gfkmf gf]S;fg afF8kmfF8 lx;fa

27

k|]d a

xfb'/

kf7

sk|d

"v s

fo{s

f/L c

lws

[t

k|]d e

"t]{naf

x\o n

]vfk

/LIfs

e"t]{n

P08

P;f

]l;P6

\;

clgt

f 9'Ëf

gf z

fxc

WoIf

v8\u

axf

b'/ /

fgf

;~rf

ns

nf]s

gfy

g]kfn

;~rf

ns

t'n;L

/fd

vgf

n;~

rfn

ss

]zj

k|;fb

zdf

{;~

rfn

s

ljj/)f

z]o/ k"+hL

;l~rt

gf=gf]=

;fwf/)f

hu]*f

sf]if

uf|xs

;+/If)f

sf]if

;+:yfut

;fdflhs

pQ/bfloTj

sf]if

k"+hLut

hu]*f

sf]if

z]o/

lk|ldod

;^xL

#^a(

sf]if

:yug

s/

hu]*f

sd{rf/Lx?sf]

bIftf

clejl$ sf]if

cGo

hu]*f

tyf

sf]if

s'n /sd

z"? df}Hbft

38,

500,

000.

00

10,

612,

306.

68

3,8

33,12

1.64

1

91,65

6.08

1

69,4

47.9

9 -

-

-

-

5

3,306

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.39

:yug s/

-

-

-

-

-

-

-

-

;dfof]lht z"?

Dff}Hbft

-

-

-

-

-

-

-

-

;dfof]hg

16,5

00,0

00.0

0 -

-

(1

20,14

5.50

) (6

3,431

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-

-

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-

16,3

16,4

23.2

0 5

5,00

0,00

0.00

1

0,61

2,30

6.68

3

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64

71,5

10.5

8 1

06,0

16.6

9 -

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o; jif{sf] yk

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20,

555,

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50

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20,

555,

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;fwf/)f hu]*f

sf]if

(4,11

1,175

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4,11

1,175

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-

-

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-

-

z]o/ lg:sfzg

-

-

-

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gub nfef+z

(1,17

2,36

8.42

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k|:tfljt af]g;

z]o/

22,

275,

000.

00

(22,

275,

000.

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-

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sd{rf/L

;DalGw hu]*f

-

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hu]*f

;+:yfut

;fdflhs

pQ/bfloTj

sf]if

(205

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sf]if

(3,31

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) 3

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nufgL

;dfof]hg sf]if

clGtd df}Hbft

77,

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000.

00

86,6

80.5

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3

11,5

75.4

7 -

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-

8

9,00

6,464

.67

OSjL^Ldf

ePs

f] kl/j

t{g ;

DalGw

ljj

/)f

2075

;fn

cfif

f( d

;fGtsf]

28

s|=;+= ljj/)f o; jif{ ?= ut jif{ ?=

-s_ sf/f]jf/ ;~rfngaf^ gub k|jfx

1= gub k|flKt 184,965,045.04 96,256,230.80

1=1 Aofh cfDbfgL 154,734,511.64 86,604,394.86 1=2 ckn]lvt shf{ c;'nL - 1=3 sldzg tyf cGo cfDbfgL 30,230,533.40 9,651,835.94

2= gub e"QmfgL (152,982,624.13) (65,646,578.30)2=1 Jofh vr{ (89,695,541.59) (35,100,488.95)2=2 sd{rf/L vr{ (36,779,167.15) (20,742,074.39)2=3 sfof{no ;+rfng vr{ (17,698,253.61) (9,804,014.96)2=4 cfos/ e"QmfgL (8,809,661.78) - 2=5 cGo vr{ -

sfo{ut k"+hL ultljlw cl#sf] gub k|jfx 31,982,420.91 30,609,652.50

;~rfng ;DjlGw rfn" ;DklQdf sdL÷-j[l$_ (449,417,807.92) (354,535,540.09)1= dfu tyf cNk ;+/rgfdf k|fKt x'g] /sddf sdL÷-j[l¢_ - - 2= cGo cNksfnLg nufgLdf sdL÷-j[l¢_ - (1,000,000.00)3= shf{df sdL÷-j[l¢_ (430,436,612.40) (346,555,210.03)4= cGo ;DklQdf sdL÷-j[l¢_ (18,981,195.52) (6,980,330.06)

;~rfng ;DjlGw rfn" bfloTjdf -sdL_÷j[l¢ 57,46,06,661.55 375,355,640.64 1= lgIf]k bfloTjdf -sdL_÷j[l¢ 180,180,392.57 108,447,981.56 2= cNksfnLg ;fk^Ldf -sdL_÷j[l¢ 383,873,589.26 262,053,233.83 3= cGo bfloTjdf -sdL_÷j[l¢ 1,05,52,679.72 4,854,425.25

sf/f]af/ ;+rfngaf^ ePsf] s'n gub k|jfx 15,71,71,274.54 51,429,753.05

-v_ nufgL sf/f]jf/df gub k|jfx (3,284,537.82) (4,146,864.82)1= bL#{sfnLg nufgLdf sdL÷-j[l¢_ - - 2= :yL/ ;DklQdf sld÷-j[l¢_ (3,284,537.82) (4,146,864.82)3= bL#{sfnLg nufgLdf Jofh cfDbfgL - - 4= nfef+z cfDbfgL - - 5= cGo - -u_ ljlQo >f]t sf/f]jf/df gub k|jfx 1,63,16,423.20 7,700,000.00 1= bL#{sfnLg C)f -j)*, l*j]~r/ cflb_ df j[l¢÷-sdL_ - - 2= z]o/ k"++hLdf j[l¢÷-sdL_ 38,775,000.00 7,700,000.00 3= cGo bfloTjdf j[l¢÷-sdL_ (22,458,576.80) - 4= g]kfn /fi^« a}+sjf^ k||fKt ;x'lnot÷k"/gshf{df j[l¢÷-sdL_ - -

-#_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/sjf^ cfDbfgL÷vr{ - -

-ª_ o; jif{sf] ;Dk")f{ ultljlwaf^ gub k|jfx 170,203,159.92 54,982,888.23 -r_ gub tyf a}+sdf /x]sf] z"? df}}Hbft 96,868,005.91 41,885,117.68 -%_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 267,071,165.83 96,868,005.91

gub k|jfx ljj/)f -ldlt 2074.04.01 b]lv 2075.03.32 ;Dd_

29

z]o/ k"+hL tyf :jfldTj2075 ;fn cfiff( d;fGtsf]

cg';"rL 4=1

ljj/)f o; aif{ ?= ut aif{ ?=1=z]o/ k"+hL1=1 clws[t k"+hL 110,000,000.00 110,000,000.00 -s 1100000 ;fwf/)f z]o/ k|lt z]o/ ?=100.00 n] 110,000,000.00 110,000,000.00

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

-u_ =========l/l*d]jn lk|km/]G; k|lt z]o/ ?=========n] - - 1=2 hf/L k+"hL 55,000,000.00 55,000,000.00 -s_ 550000 ;fwf/)f z]o/ k|lt z]o/ ?=100.00 n] 55,000,000.00 55,000,000.00

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

-u_ =========l/l*d]jn lk|km/]G; k|lt z]o/ ?=========n] - - 1=3 r"Qmf k"+hL 55,000,000.00 38,500,000.00 -s_ 550000 ;fwf/)f z]o/ afkt k|lt z]o/ ?= 100.00 n] 55,000,000.00 38,500,000.00

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

-u_ =========l/l*d]jn lk|km/]G; k|lt z]o/ ?=========n] - - 1=4 k|:tfljt af]g; z]o/ 22,275,000.00 - 1=5 sN; Og P*efG; - - hDdf /sd (1.3+1.4+1.5) 77,275,000.00 38,500,000.00

z]o/ :jfldTj ljj/0f o; aif{ ?= ut aif{ ?=

% z]o/ k"+hL z]o/ k"+hL %

1=:jb]zL :jfldTj 100.00% 55,000,000.00 38,500,000.00 100.00% 1=1 g]kfn ;/sf/ - - - - 1=2 s au{sf Ohfhtkqk|fKt ;+:yfx? - - - - 1=3 cGo Ohfhtkqk|fKt ;+:yfx? 0.00% 0.00% 1=4 cGo ;+:yfx? - - - - 1=5 ;j{;fwf/)f - - - - 1=6 cGo -;:+yfks_ 100.00% 55,000,000.00 38,500,000.00 100.00% 2= j}b]lzs :jfldTj 0.00% - - - hDdf 100.00% 55,000,000.00 38,500,000.00 100.00%gf]^ M dfly cg";"lrdf pNn]lvt ljj/)f cGtu{t 0=5 k|ltzt jf ;f] eGbf a(L :jfldTj ePsf] JolQm÷;d"x÷kmd{÷sDkgL eP, lghx?sf] gfd, k|ltzt / /sd :ki^ v"nfpg" kg]{% . k|ltzt pNn]v ubf{ z]o/ ;+Vofsf] cfwf/df u)fgf ug'{kg]{ % .






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


30

Z]fo/ wgL g+=

Z]fo/ wgLsf] gfd s'n z]o/ s'n z]o/ /sd z]o/ k|ltzt

!= >L /fdrGb| cfrfo{ 14154 1415400 2.57@= >Ldlt wg s"df/L kf7s 14300 1430000 2.60#= >L uf]ljGb /fjn 12867 1286700 2.34$= >Ldlt Hof]lt clwsf/L 10000 1000000 1.82%= >L z]/ axfb'/ If]qL 14301 1430100 2.60^= >Ldlt l6sf pk|]tL 12500 1250000 2.27&= >L nId0f ;"j]bL 10000 1000000 1.82*= >L e/t s"df/ zfx 14300 1430000 2.60(= >L gf/fo0f k|;fb l3ld/] 14301 1430100 2.60!)= >L dgf]h pkfWofo 12500 1250000 2.27!!= >L clgtf zfx 14300 1430000 2.60!@= >L x]dGt s"df/ cu|jfn 12500 1250000 2.27!#= >L zs"g cu|jfn 5000 500000 0.91!$= >L v8\u axfb'/ /fgf 14299 1429900 2.60!%= >L lgwfgrGb| >]i7 14301 1430100 2.60!^= >L gf/fo0f clwsf/L 14301 1430100 2.60!&= >L lr/GhLjL 1jfnL 12114 1211400 2.20!*= >L /fdlszg ljZjsdf{ 14301 1430100 2.60!(= >L k|eft 1jfnL 6434 643400 1.17@)= ;">L lji0f" s"df/L u"?Ë 6434 643400 1.17@!= >L s";"d/fh 1jfnL 14299 1429900 2.60@@= >L sdn e08f/L 14302 1430200 2.60@#= >L t]h axfb'/ vqL 12867 1286700 2.34@$= >L t'n;L/fd vgfn 14300 1430000 2.60@%= >L ;/f]h s"df/ kf}8]n 12500 1250000 2.27@^= >L lbks/fh nD;fn 14154 1415400 2.57@&= >L 6]s axfb'/ lxtfË 12867 1286700 2.34@*= >L k|lbk s"df/ yfkf 3750 375000 0.68@(= >L /ljnfn yfkf 7720 772000 1.40#)= >L gf/fo0f axfb'/ lji6 6434 643400 1.17#!= >L s]zj k|;fb zdf{ 5375 537500 0.98#@= >L z"lzn s"df/ cof{n 5000 500000 0.91##= >L k|d]z cfrfo{ 5719 571900 1.04#$= >L nf]sgfy g]kfn 5718 571800 1.04#^= >Ldlt lgnd l4j]bL 2859 285900 0.52

z]o/ k"FhL tyf :jfldTj cGtu{t 0=5 k|ltzt jf ;f] eGbf a9L :jfldTj ePsf] JolQm÷;d"x÷kmd{÷sDkgLsf] ljj/0f -cf=a= @)&$÷)&% ciff9 d;fGt ;Dd_

31

hu]*f tyf sf]ifx? -@)&% ;fn cfiff9 d;fGtsf]_

C)fkq tyf a)* -@)&% ;fn cfiff9 d;fGtsf]_

cg';"rL 4=2

ljj/)f o; jif{ ? = ut jif{ ? =1= ;fwf/)f/ a}wflgs hu]*f sf]if 7,944,297.14 3,833,121.64 2= k"+hLut hu]*f sf]if - - 3= k"+hL lkmtf{ hu]*f sf]if (Capital Redemption Reserve) - - 4= k"+hL ;dfof]hg sf]if - - 5= cGo hu]*f tyf sf]if 3,700,486.94 361,104.07 5=1 e}k/L cfpg] hu]*f - - 5=2 ;:yf ljsf; sf]if - - 5=3 nfef+z ;lds/)f sf]if - - 5=4 ljz]if hu]*f sf]if - - 5=5 ;DklQ k"g{d"Nofªs\g sf]if - - 5=6 :yug s/ hu]*f - 5=7 cGo :jtGq sf]if - - 5=8 cGo hu]*f sf]if s= uf|xs ;+/If)f sf]if 3,388,911.47 191,656.08 v= z]o/ lk|ldod - u= ;+:yfut ;fdflhs pQ/bfloTj sf]if 311,575.47 169,447.99 #= sd{rf/L ;DaGwL sf]if - - 6= ;l~rt gfkmf÷-gf]S;fg_ 86,680.59 10,612,306.68 7= ;^xL #^a( sf]if - - 8=hDdf 11,731,464.67 14,806,532.39

cg';"rL 4=3

ljj/)f o; jif{ ? = ut jif{ ? =1= ========= ======= k|ltzt a)*/C)fkq k|lt a)*/C)fkq==========?= n]=======ldlt==============df hf/L ePsf] / ldlt============df r"Qmf x'g] -xfn;Ddsf] Redemption Reserve /sd ?==============_

- -

2= ====================== k|ltzt a)*/C)fkq k|lt a)*/C)fkq================?= n]=======ldlt=======df hf/L ePsf] / ldlt============df r"Qmf x'g] -xfn;Ddsf] Redemption Reserve /sd ?==============_

- -

3================================== - - 4= hDdf 1+2+3 - -

gf]^ M ;"/If)fdf /fvL C)fkq tyf a)* hf/L ul/Psf] ePdf ;"/If)fsf] ljj/)f v"nfpg" kg{]% .






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


32

ltg{ af+sL shf{ tyf ;fk^L -@)&% ;fn cfiff9 d;fGtsf]_cg';"rL 4=4

ljj/)f o; jif{ ? = ut jif{ ? =s= :jb]zL 1= g]kfn ;/sf/ - - 2= g]kfn /fi^« a}+s - - 3= l/kf] bfloTj - - 4= cGt/ a}+s tyf ljQLo ;+:yf 852,426,823.09 468,553,233.83 5= cGo ;+ul&t ;+:yfx? - - 6= cGo - - hDdf 852,426,823.09 468,553,233.83 v= ljb]zL 1= a}s+x? - - 2 cGo - - hDdf - - u= hDdf -s+v_ 852,426,823.09 468,553,233.83

ljj/0f o; aif{ ?= ut aif{ ?=1= Aofh ltg"{ gkg]{ vftfx?

1=1= ljQLo ;+:yfx? - - 1=2= cGo ;ul&t ;+:yfx? - - 1=3= JolQmut - -

Jofh ltg"{ gkg]{ vftfx?sf] hDdf - - 2= Aofh ltg"{ kg]{ vftfx?s= art lx;fa 333,580,077.23 153,399,684.66

1=1= ;+# ;+:yfx? - - 1=2= JolQmut 333,580,077.23 153,399,684.66 1=3= cGo - -

v= d"@tL lx;fa - - 1=1= ;+# ;+:yfx? - - 1=2= JolQmut - - 1=3= cGo - - Aofh ltg"{kg]{ vftfx?sf] hDdf 333,580,077.23 153,399,684.66 -1+2_ hDdf lgIf]k 333,580,077.23 153,399,684.66

lgIf]k lx;fa -@)&% ;fn cfiff9 d;fGtsf]_cg';"rL $=%






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


33

ljj/0f o; jif{ ?= ut jif{ ?=1= k]G;g÷pkbfg sf]if 1,233,860.00 473,480.00 2= ljbf jfktsf] Joj:yf 4,119,378.03 - 3= sd{rf/L ;~ro sf]if 288,360.60 161,580.00 4= sd{rf/L sNof)f sf]if - - 5= sd{rf/L jf]g; Joj:yf 2,936,553.93 2,329,045.56 6= lgIf]kdf e"QmfgL lbg af+sL Aofh 9,068,676.26 2,473,138.60 7= ;fk^Ldf e"QmfgL lbg af+sL Aofh - - 8= ;)*"L qm]l*^;{ 358,255.76 816,624.03 9= zfvf ldnfg lx;fa - - 10= :yug s/ bfloTj - - 11= e"QmfgL lbg'kg]{ ljnx? - - 12= e"QmfgL lbg af+sL nfef+z - - 13= cGo 1,483,561.50 2,209,549.28 hDdf 19,488,646.08 8,463,417.47

cGo bfloTj @)&% ;fn cfiff9 d;fGtsf] -cg';"rL $=^_






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


34

ljj/)f :jb]zL d"b|f

ljb]zL d"b|f ? Dff

s'n ? ut aif{ ?ef= ? =

kl/jTo{ lj= d"=

hDdf

1 :jb]zL Ohfhtkqk|fKt ;+:yfx? 242,711,560.82 - - - - 62,190,201.59 s= rNtL vftf 102,711,560.82 - - - - 62,190,201.59

v= cGo vftf 140,000,000.00 - - - - -

hDdf 242,711,560.82 - - - - 62,190,201.59

gf]^M ;DalGwt Ohfhtkq k|fKt ;+:yfx?sf] ;dy{gkq cg";f/sf] s'n df}Hbft ?= 242711560.82 km/s %}g . CRR k|of]hgsf] nflu /flvPsf] /sd ;d]t hf]*]/ rNtL vftfdf ?=102711560.82 df}Hbft /x]sf] % .

a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft2075 ;fn cfiff9 d;fGtsf] -cg';"rL $=&_

ljj/)f o; jif{ ? Uft jif{ ? 1= :jb]zL d"b|fdf - - 2= ljb]zL d"b|fdf - - hDdf - -

dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx?

nufgL@)&% ;fn cfiff9 d;fGtsf] -cg';"rL $=*_

ljj/0fk|of]hg

o; jif{ ?= ut jif{ ? =Jofkfl/s cGo

1= g]kfn ;/sf/sf] ^«]h/L ljN; - - - - 2= g]kfn ;/sf/sf] jrt kq - - - - 3= g]kfn ;/sf/sf] cGo C)fkq - - - - 4= g]kfn /fi^« a}+s C)fkq - - - - 5= ljb]zL C)fkq - - - - 6= :jb]zL Ohfhtkqk|fKt ;+:yf 1,000,000.00 - 1,000,000.00 1,000,000.00 7= ljb]zL a}+s - - - - 8= ;+ul&t ;+:yfx?sf] z]o/ - - - - 9= ;+ul&t ;+:yfx?sf] l*j]Gr/ tyf a)* - - - - 10= cGo nufgL - - - -

s'n nufgL 1,000,000.00 - 1,000,000.00 1,000,000.00 Joj:yf - - - -

v'b nufgL 1,000,000.00 - 1,000,000.00 1,000,000.00






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


35

ljj/)fk/n d"No

?

ahf/ d"No cg";f/ ?

Joj:yf /sd ?

o; jif{ ?=ut jif{

?

1= z]o/ nufgL 0.00 0.00 0.00 - - 1=1 ===================sDkgL- k|f= ln÷ ln_ 0.00 0.00 0.00 - - 1000 lsQf ;fwf/)f z]o/ k|ltz]o/ 100.- n] r"Qmf - - 1=2 ======== sDkgL- k|f= ln÷ ln_ - -

=======;fwf/)f z]o/ -dWo] ====== jf]g; ;d]t_ k|lt z]o/ =====n] r"Qmf - -

1=3========= sDkgL -k|f=ln÷ln_ - - =====k|ltzt ===== lk|km/]G; z]o/ k|lt z]o/ ? ======n] r"Qmf - -

2= l*j]~r/ tyf jG* nufgL - - 2=1 ======sDkgL -k|f=ln÷ln_ - -

=== k|ltzt l*j]~r/ ÷ jG* k|lt l*j]~r/÷aG* ======?= n] - -

2=2 ================ - - 2=3 =============== - -

s'n nufgL - - 3= hf]lvd ;DjGwL Joj:yf - - 3=1 ut aif{ ;Ddsf Joj:yf - - 3=2 o; aif{sf] yk÷#^ - - s'n Aoj:yf - - v'b nufgL - -

z]o/, l*a]~r/ tyf aG*df nufgL2075 ;fn cfiff( d;fGtsf] -cg';"rL 4=8 -s_

gf]^ M 3 jif{ eGbfa(L ;dob]lv nfef+; #f]if)ff tyf ljt/)f gu/]sf sDkgLx¿ ePdf To:tf sDkgLx¿sf] gfd v"nfpg" kg]{% .






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


36

ljj/0f

shf{

o; aif{ ? ut aif{ ?= :jb]zLk|f= If]

ljldt cljldt

!= ;lqmo shf{ ;fk6 (Performing Loan) - 1,007,841,149.74

1,007,841,149.74 583,695,841.54

c;n shf{ - 1,007,841,149.74

1,007,841,149.74 583,695,841.54

@= lgl:qmo shf{ ;fk6 (Non Performing Loan) - 6,291,304.20 6,291,304.20 - @=! sd;n 3,717,040.40 3,717,040.40 @=@ z+sf:kb - 2,574,263.80 2,574,263.80 - @=# v/fj - - - - #= s'n shf{ ;fk6 -!±@_ - 1,014,132,453.94 1,014,132,453.94 583,695,841.54 $= shf{ gf]S;fgL Joj:yf - 13,047,246.75 13,047,246.75 5,836,959.94 $=! c;n - 10,078,411.72 10,078,411.72 5,836,959.94 $=@ sd;n - 929,260.22 929,260.22 - $=# z+sf:kb - 1,287,132.00 1,287,132.00 - $=$ v/fj - - - - $=% cltl/Qm 752,442.81 752,442.81 $=^ t];|f] kIfsf] lwtf]df k|jfx ePsf] shf{sf]

nflu yk -

%= ut jif{;Ddsf] shf{ gf]S;fgL Joj:yf 58,36,959.94 58,36,959.94 2,371,406.32 %=! c;n - 58,36,959.94 58,36,959.94 2,371,406.32 %=@ sd;n - - - - %=# z+sf:kb - - - - %=$ v/fj - - - - %=% cltl/Qm - %=^ cltl/Qm lwtf]df k|jfx ePsf] shf{sf]

nflu yk -

^= o; jif{sf] gf]S;fgL Joj:yf lkmtf{ - 752,442.81 752,442.81 - &= o; aif{sf] yk shf{ gf]S;fgL Joj:yf - 72,10,286.81 72,10,286.81 3,465,553.62 *= o; jif{df yk÷lkmtf{ 72,10,286.81 72,10,286.81 3,465,553.62 (= s'n shf{ gf]S;fgL Joj:yf (5-6+7) 12,294,803.94 12,294,803.94 5,836,959.94 v'b shf{ -3-4_ 1,001,837,650.00 1,001,837,650.00 577,858,881.60

shf{, ;fk^, tyf lan vl/b juL{s/)f / ;f]sf] nflu Joj:yf2075 ;fn cfiff( d;fGtsf] -cg';"rL 4=9_






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


37

ljj/

)f;D

klQ

o; j

if{ ?=

ut j

if{ ?=

ejg

kl/j

xg ;

fwg

dlzg/

L s

fof{n

o ;f

dfg

cGo

1= k/ndf]n

-s_ ut jif{sf] df}Hbft

-

369

,300

.00

-

8,0

23,4

00.2

8

1,50

6,92

0.00

9,8

99,6

20.2

8

9,8

99,6

20.2

8

-v_ o; jif{ yk

-

192

,899

.99

-

2,8

36,1

05.0

0 2

24,3

40.

00

3,2

53,3

44.9

9 -

-u_ o; jif{ k"gd"{Nofs+g÷k"gn]{vg

-

-

-

-

-

-

-

-#_ o; jif{sf] laqmL

-

-

-

-

-

-

-

-ª_ o; jif{sf] ckn]vg

-

-

-

-

-

-

-

s'n -s

+v+u+#+ª_ k/ndf]n

-

562

,199

.99

-

10

,859

,505

.28

1,7

31,2

60.0

0 1

3,15

2,96

5.27

9

,899

,620

.28

2= Xf;s§L

-s_ ut jif{ ;Ddsf]

-

78,3

79.0

3 -

2

,686,

670.

40

657

,335

.87

3,4

22,3

85.

30

3,4

22,3

85.

30

-v_ o; jif{sf]

-

58,1

76.0

0 1

,688,0

66.7

3 2

56,1

00.7

5 2

,002

,343.

48

-

-u_ Xf;s§L k"gd"{Nofs+g÷k"gn]{vg

-

-

-

-

-

-#_ Xf;s§L /sd ;dfof]hg÷lkmtf{

-

-

-

-

-

-

-

s'n Xf;s§L

-

136

,555

.03

-

4,3

74,7

37.1

3 9

13,4

36.6

2 5

,424

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.78

3,4

22,3

85.

30

3= a"s Eofn" -W

DV

*_ -1

-2_

-

425

,644.9

6 -

6

,484,7

68.1

5 8

17,8

23.3

8

7,7

28,2

36.4

9 6

,477

,234

.98

4= hUuf

-

-

-

-

-

-

-

5= k+"hLut lgdf{)f -k+"hLs/)f ul/g"

kg]{_

-

-

-

-

-

-

-

6= nLh xf]N* ;DklQ

149,

008.5

5 -

-

-

-

1

50,3

99.3

8

149,

008.5

5 hDdf -3

+4+5

+6_

149,

008.5

5 4

25,6

44.9

6 -

6

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68.1

5 8

17,8

23.3

8

7,8

78,6

35.8

7 6

,626

,243.

53

*Writ

ten

Dow

n Va

lue

l:y/

;Dk

lQ20

75 ;

fn c

fiff( d

;fGtsf] -c

g';"rL

4=10_

k|]d a

xfb'/

kf7

sk|d

"v s

fo{s

f/L c

lws

[tk|]d

e"t]{n

afx\o

n]v

fk/LI

fse"t

]{n P

08 P

;f]l;

P6\;

rf6{8

{ Ps

fpG6

]08;\

clgt

f 9'Ëf

gf z

fxc

WoIf

v8\u

axf

b'/ /

fgf

;~rf

ns

nf]s

gfy

g]kfn

;~rf

ns

t'n;L

/fd

vgf

n;~

rfn

ss

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k|;fb

zdf

{;~

rfn

s

38

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 Aoj:yf v'b u}/ a}+lsË

;DklQ ? ut aif{ ?

k|ltzt /sd ?= - - - - - - - - - - - - - - - - - - - - - - - -

s'n hDdf

u}/ a}+lsª ;DklQ@)&% ;fn cfiff9 d;fGtsf] -cg';"rL $=!!_

cGo ;DklQ@)&% ;fn cfiff9 d;fGtsf] -cg';"rL $=!@_

ljj/)f o; jif{ ?= ut jif{ ?= 1= d;nGb df}Hbft 685,457.81 574,838.12 2= nufgLdf c;'n ug{ af+sL cfDbfgL 15,029,040.38 - 3= shf{df c;'n ug{ af+sL Jofh 8,574,847.43 4,890,785.92 Go'g Aofh d'NtjL /sd (8,574,847.43) (4,890,785.92) 4= c;'n ug{ af+sL sldzg - - 5= ;)*'L *]^;{ 307,330.66 258,157.32 6= sd{rf/L ;fk^L / k]ZsL - 7= cu|Ld e'QmfgL 10,431,078.00 6,745,360.43 8= dfu{:y gub - - 9= dfu{:y cGo -r]s ;d]t_ - - 10= ljgf ;'rgf *'fkm\^sf] e'QmfgL - - 11= ckn]vg x'g jf+sL vr{ 12= zfvf ldnfg lx;fj - - 13= :yug s/ ;DklQ - - 14= pkbfg sf]if nufgL 15= cGo 243,682.72 137,038.18 s= w/f}^L hDdf 26,696,589.57 7,715,394.05






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


39

cGo ;DklQ -yk ljj/)f_2075 ;fn cfiff( d;fGtsf] -cg';"rL 4=12 s_

;Defljt bfloTjx?2075 ;fn cfiff( d;fGtsf] -cg';"rL 4=13_

shf{ ;fk^ tyf ljN; vl/bsf] ;'/If)f2075 ;fn cfiff( d;fGtsf] -cg';"rL 4=13 s_

ljj/)f

o; jif{ ?=

ut jif{ ? =1 Jfif{ ;Dd

1 Jfif{b]lv dfly

3 jif{;Dd

3 jif{ eGbf dfly

hDdf

1= shf{df c;"n ug{ af+sL Aofh 8,574,847.43 - - 8,574,847.43 4,890,785.92 2= ljgf ;'rgf *«fkm\^sf] e"QmfgL - - - - - 3= zfvf ldnfg lx;fj - - - - - 4= :jb]zL ljb]zL Ph]G;L lx;fa 15,029,040.38 - - 15,029,040.38 -

ljj/)f o; aif{ ? ut aif{ ?=hdfgt - - ckl/jTo{ shf{ k|ltj$tf (Irrevocable Loan Commitment) - - cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) - - Acceptence ;lxt cGo ;a} k|sf/sf] ;Defljt bfloTjx? - - r"Qmf jf e"QmfgL x'g af+sL z]o/ nufgL - - e"QmfgLsf] nflu bfaL k/]sf] z]o/ hdfgt - - ;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] bfloTjx? - - hDdf - -

ljj/)f o; jif{ ? = ut jif{ ? = -s_ ;"/lIft 1,014,132,453.94 583,695,841.54 1 rn÷crn ;DklQsf] ;"/If)fdf - - 2 :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf - - 3 ;/sf/L hdfgt - - 4 cGt/f{li^«o >])fLs[t a}+ssf] hdfgtdf - - 5 lgof{t sfuhft (Export Document) sf] ;"/If)fdf - - 6 d"@tL /l;bsf] ;"/If)fdf - - s_ ;+:yfsf] cfkm\g} d"@tL /;Lbsf] ;"/If)f - - v_ cGo Ohfhtkqk|fKt ;+:yfsf] d"@tL /;Lbsf] ;"/If)f - - 7 ;/sf/L C)fkqsf] ;"/If)fdf - - 8 sfpG^/ hdfgtdf - - 9 JolQmut hdfgtdf 863,485,100.39 583,695,841.54 10 cGo ;"/If)fdf 150,647,353.55 - -v_ c;"/lIft - - hDdf 1,014,132,453.94 583,695,841.54

40

Aofh cfDbfgLldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=14_

ljj/)f o; aif{ ?= ut aif{ ?=s= shf{ ;fk^ / clwljsif{)fdf 136,481,790.63 81,117,288.25

1= shf{ ;fk^ 136,481,790.63 81,117,288.25 2= clwljsif{ - -

v= nufgLdf - - 1= g]kfn ;/sf/sf] ;'/If)fkq - - s_ ^']h/L laN; - - v_ ljsf; C)fkq - - u_ /fli^''o artkq - - 2= ljb]zL C)fkq - - 3= g]kfn /fi^« a}+ssf] C)fkq - - 4= l*j]Gr/ tyf a)* - - 5= cGt/ a}+s nufgLdf Aofh - - s_ a}+s÷ljQLo ;+:yfx? - - v_ cGo ;+:yfx? - -

u= Ph]G;L df}Hbftdf - - #= dfu tyf cNk ;'rgfdf k|fKt x'g] df}Hbftdf 18,252,721.01 5,487,106.61

1= :jb]zL a}+s÷ljQLo ;+:yfx? 18,252,721.01 5,487,106.61 2= ljb]zL a}+sx? - -

ª= cGodf - - 1= ;l^{lkms]^ ckm l*kf]lh^ - - 2= cGt/ a}+s÷ljQLo ;+:yf shf{ - - 3= cGo - -

hDdf 154,734,511.64 86,604,394.86

Jofh vr{ldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=15_

ljj/)f o; aif{ ?= ut aif{ ?=s lgIf]k bfloTjdf 16,635,259.17 6,987,162.92 1= ;b:ox?sf] artdf 16,635,259.17 6,987,162.92 2= ;j{;fwf/)fsf] lgIf]kdf - - v shf{ ;fk^df 73,060,282.42 28,113,326.03 1 C)fkq tyf aG* - - 2 g]kfn /fi^« a}+saf^ k|fKt shf{ - - 3 cGt/ a}s÷ljQLo ;+:yf shf{ 73,060,282.42 28,113,326.03 4 cGo ;+ul&t ;+:yf - - 5 cGo shf{ - - u cGodf - -

hDdf 89,695,541.59 35,100,488.95

41

sldzg tyf cGo cfDbfgLldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=16_

sd{rf/L vr{ldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=17_

ljj/)f o; aif{ ?= ut aif{ ?=1= ;]jf z"Ns 28,109,700.00 8,305,125.00 2= gljs/)f z"Ns - - 3= O=k|f= sldzg jfkt - - 4= a§f cfDbfgL - - 5= cGo 2,120,833.40 1,346,710.94

hDdf 30,230,533.40 9,651,835.94

ljj/)f o; aif{ ?= ut aif{ ?=1= tnj 14,427,628.61 6,989,696.06 2= eQf 9,969,938.74 7,163,980.69 3= ;~rosf]ifdf yk 1,402,966.05 672,892.85 4= tflnd vr{ 542,642.67 530,932.57 5= kf]zfs - - 6= cf}ifwf]krf/ - - 7= jLdf - - 8= ljbf jfktsf] /sd 3,052,531.61 8= k]G;g tyf pkbfg Joj:yf 757,680.00 339,780.00 9= cGo 6,625,779.47 5,044,792.22

hDdf 36,779,167.15 20,742,074.39






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


42

cGo ;~rfng vr{ldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=18_

ljj/)f o; aif{ ?= ut aif{ ?=1= #/ef*f 3,407,946.18 2,071,944.48 2= jQL, ljh"nL / kfgL 440,013.05 264,956.61 3= dd{t tyf ;Def/ - 77,636.00 s= ejg - - v= ;jf/L ;fwg 11,725.00 1,280.00 u= cGo 81,285.00 76,356.00 4= jLdf 77,306.69 31,830.36 5= kf]i^]h, ^]n]S;, ^]lnkmf]g, kmofS; 2,620,302.89 1,647,071.41 6= sfof{no pks/)f kmlg{r/ / ;+ef/ 6,905.00 2,925.00 7= e|d)f eQf / vr{ 2,060,696.00 1,278,490.00 8= d;nGb / %kfO{ 1,217,230.67 722,880.70 9= kqklqsf tyf k":ts 99,386.00 45,030.00 10= lj!fkg 22,950.00 38,720.00 11= sfg"gL vr{ 15,000.00 12= rGbf - - 13= ;~rfns ;ldlt ;DaGwL vr{ 175,866.37 119,480.00 s= j}&s eQf 135,400.00 109,000.00 v= cGo vr{ 40,466.37 10,480.00 14= ;fwf/)f ;ef ;DjGwL vr{ 175,485.35 65,239.00 15= n]vfk/LIf)f ;DaGwL 100,000.00 100,000.00 s= n]vfk/LIf)f z"Ns 100,000.00 100,000.00 v= cGo vr{ - 16= /sd :yfgfGt/ sldzg 960.00 5,210.00 17= l:y/ ;DklQdf Xf; s§L 2,002,343.48 1,498,769.54 18= k"j{ ;+rfng vr{ ckn]vg - 19= z]o/ lgisfzg vr{ 1,664,000.00 - 20= k|fljlws ;]jf ;f]wegf{ 467,820.00 186,850.00 21= dgf]/Ghg vr{ 588,664.16 268,670.72 22= ckn]vg vr{ 29,802.00 25,829.00 23= ;"/Iff vr{24= shf{ ;"/If)f lk|ldod25= sldzg / l*:sfpG^ 1,049,136.27 26= cGo ====================== -s_ OGwg vr{ 21,817.95 - -v_ btf{ tyf gljs/)f vr{ - -u_ ;]jf z"Ns vr{ 1,247,108.45 - -#_ cGo ;ldltx?sf] a}&s eQf vr{ 23,000.00 -ª_ n]lah P)* lkm 144,952.40 - -r_ sfof{no ;+rfng cGo vr{ 3,027,832.45 1,827,944.41 hDdf 19,730,399.09 11,328,613.50

gf]^ M vr{x? hgfpbf h"g k|of]hgsf] nflu vr{ ePsf] xf] ;f]xL zLif{sdf vr{ hgfpg" k%{ . cGo ;fdfGo zLif{sdf ufEg kfO{g] %}g . h:tf] ;+rfns ;ldltsf] a}&ssf] l;nl;nfdf ePsf] oftfoft vr{, ;+rfns ;ldlt ;DaGwL vr{ cGt/ut cGo vr{df hgfpg" kg]{% .

43

;Defljt shf{ gf]S;fgL Joj:yfldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=19_

u}/ ;~rfng cfDbfgL÷gf]S;fgldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=20_

;Defljt gf]S;fgL Joj:yfaf^ lkmtf{cf=j= 2074.075 -cg';"rL 4=21_

ljj/)f o; aif{ ?= ut aif{ ?=1= shf{ gf]S;fgL Joj:yfdf ePsf] a[l$ 7,210,286.81 3,640,656.97 2= nufgL gf]S;fgL Joj:yfdf ePsf] a[l$ - - 3= u}/ a}+lsu ;DklQ gf]S;fgL Joj:yf - - 4= cGo ;DklQdf ul/Psf] Joj:yf - -

hDdf 7,210,286.81 3,640,656.97

ljj/)f o; aif{ ?= ut aif{ ?=1= nufgL las|Ldf cfDbfgL÷-gf]S;fg_ - - 2= ;DklQ las|Laf^ cfDbfgL÷-gf]S;fg_ - - 3= nfe+fz - - 4= cGo - - v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_ - -

ljj/)f o; aif{ ?= ut aif{ ?=1= shf{ gf]S;fgL Joj:yfaf^ lkmtf{ 752,442.81 175,104.12 2= u}/ a}+lsu ;DklQ gf]S;fgL Joj:yfaf^ lkmtf{ - - 3 nufgL Joj:yfaf^ lkmtf{ - - 4 cGo ;DklQsf] Joj:yfaf^ lkmtf{ - -

hDdf 752,442.81 175,104.12






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


44

c;fdfGo sf/f]af/x?af^ ePsf] cfDbfgL÷vr{ldlt 2074.04.01 b]lv 2075.03.32 ;Dd -cg';"rL 4=22_

ckn]lvt shf{sf] ljj/)fcf=j= 2074.075 -cg';"rL 4=22 s_

ljj/)f o; aif{ ?= ut aif{ ?=1= ckn]vg ePsf] shf{sf] c;'nL - - 2= :j]l%s cjsfz vr{ - - 3= c;'nL x'g g;Sg] shf{sf] ckn]vg - 4=28 s_ - - 4= cGo vr{÷cfDbfgL - - 5= ==================== - -

hDdf - -

qm=;+= shf{ k|sf/ckn]vg ul/Psf] /sd

lwtf]÷hdfgLsf] k|sf/ tyf

/sd

lwtf] d'Nof+sgsf] cfwf/

shf{ :jLs[t ug]{

clwsf/L÷tx

shf{ c;'nLsf nflu eP u/]sf k|of;

s}lkmot

1= 2= 3= 4= 5=

s'n shf{gf]^ M cfly{s jif{e/Ldf ckn]vg ul/Psf] shf{sf] ljj/)f dfyL pNn]v ug'{ kg]{% .






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


45

;+rfns,sfo{sf/L k|d'v,;+yfks,sd{rf/L z]o/xf]N*/x?nfO{ uPsf] shf{ ;fk^ ljj/)fcf=j= 2075 ;fn cfiff( d;fGtsf] -cg';"rL 4=23_

vl/b tyf l8:sfpG6 ul/Psf ljnx? / shf{, ;fk6 tyf clwljsif{df k|jflxt s'n /sd dWo] ;+~rfns, sfo{sf/L k|d"v, ;+yfks, sd{rf/L, z]o/ xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

;+:yfks÷;~rfns÷sfo{sf/L k|d"vsf] gfd

ut jif{;Ddsf] jfFsL o; jif{ c;'nL o; jif{ cfiff9 d;fGt;Dd afFsL ;fjfF Jofh ;fjfF Jofh yk shf{ ;fjfF Jofh

-s_ ;~rfns!= - - @ - - -v_ sfo{sf/L k|d"v != - - @ - - -u_ ;+:yfks != - - @ - - -3_ sd{rf/L != - - @ - - -ª_ z]o/wgLx? != - - @ - -

hDdf - -






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


46

k"+hLsf]if tflnsf -s ju{ afx]s_cf=j= 2075 ;fn cfiff( d;fGtsf] -cg';"rL 4=24_

?= xhf/df

ljj/)f o; aif{ ut aif{-s_ k|fylds k'+hL 85,305.98 52,945.43 1_ r'Qmf k'hL -;fwf/)f z]o/_ 55,000.00 38,500.00 2_ k|:tfljt af]g; z]o/ 22,275.00 - 3_ z]o/ lk|ldod - - 4_ lkmtf{ gx'g] cu|lwsf/ z]o/ - - 5_ ;fwf/)f hu]*f sf]if 7,944.30 3,833.12 6_ ;l~rt gfkmf÷-gf]S;fg_ 86.68 10,612.31 7_ jf;nftdf b]vfOPsf] rfn' cf=a=sf] gfkmf-gf]S;fg lx;fasf] /sd - - 8_ k+'hL lkmtf{ hu]*f sf]if - - 9_ k+'hL ;dfof]hg sf]if - - 10_ sN; Og P*efG; 11_ cGo :jtGq sf]ifx? - - #^fpg]M - - Voflt (Goodwill) jfktsf] /sd - - :yug s/ ;DklQ - - ;Ldf eGbf a(L z]o/, ;'/If)fkqdf nufgL ul/Psf] /sd ljQLo :jfy{ /x]sf] sDkgLsf] lwtf] kqdf u/]sf] /sd cjf:tljs ;DklQ - o; a}ssf] lgb{]zg kfngf gu/L :jk|of]hgsf nflu #/hUuf vl/b u/]sf] /sd - - k|rlnt P]g tyf sfg'gn] k|ltaGw u/]sf] AolQm tyf ;d'xx?nfO{ k|bfg u/]sf] shf{ tyf ;'ljwfx? - - -v_ k'/s k+'hL 14,219.76 6,028.62 1_ c;n shf{sf] nfuL ul/Psf] shf{ gf]S;fgL Joj:yf 10,078.41 5,836.96 2_ cltl/Qm shf{ gf]S;fgL Aoj:yf 752.44 - 3_ xfOlj|* k+'hL pks/)fx? - - 4_ ;'/If)f g/flvPsf] ;xfos cfjlws C)f - - 5_ ;^xL ;dLs/)f sf]if - - 6_ ;DklQ k'g{d'Nof°g sf]if - - 7_ nufgL ;dfof]hg sf]if - 8_ u|fxs ;'/If)f sf]if 3,388.91 191.66 -u_ hDdf k+''+hLsf]if -s+v_ 99,525.74 58,974.05 -#_ Hff]lvd efl/t ;DklQsf] cfwf/df sfod ug'{kg{] Go'gtd k+'hLsf]if k+'hLsf]if -8=00 k|ltzt_ 9.06% 9.64% k|fylds k+'hL -4 k|ltzt_ 7.77% 8.66% k'+hLsf]if -clws÷Go'g_ ==================k|ltztn] 1.06% 1.64% k|fylds k+'hL -clws÷Go'g_ =================k|ltztn] 3.77% 4.66%

47

hf]lv

d efl/

t ;D

klQ ljj

/)f tfln

sf

cf=j

= 20

75 ;

fn c

fiff( d

;fGtsf] -c

g';"rL

4=24

-s__

jf;n

ft a

df]lh

dsf ;D

klQ

On

Bal

ance

- Sh

eet A

sset

sef/

o; j

if{ut

jif{

/sd

hf]lv

d efl/

t ;D

klQ

/sd

hf]lv

d efl/

t ;D

klQ

gub df}Hbft

0% 3

,269

.61

-

2,5

87.

80

-

g]kfn /fi^« a}+sdf /x]sf] df}Hbft

0% 2

1,09

0.00

-

3

2,09

0.00

-

g]kfn ;/sf/sf] ;'/If)fkqdf ul/Psf] nufgL

0% -

-

-

-

g]kfn /fi^« a}ssf] C)fkqdf ul/Psf] nufgL

0% -

-

-

-

cfkm\g} d'@tL /l;bsf] lwtf]df k')f{ ;/lIft x'g] u/L k|bfg ul/Psf] /l;b lwtf] s

hf{

0% -

-

-

-

;/sf/L ;'/If)fkqsf] lwtf]df k')f{ ;/lIft x'g] u/L k|bfg ul/Psf] shf{

0% -

-

-

-

;/sf/L ;'/If)fkqsf] kfpg' kg{] Jofh /sd

(Acc

rued

Inte

rest

)a}+s÷ljQLo ;+:yfx?df /x]sf] df}Hbft÷d'@tL /l;bsf] bfjL -C

laim_

20%

242,

711.

56

48,5

42.

31

62,

190.

20

12,

438

.04

dfu]sf] avt k|fKt x'g] /sd

(Mon

ey a

t Cal

l )20

% -

-

-

-

cGt/ a}s÷;+:yf ;fk^L

20%

z]o/, l*a]Gr/ Pj+d a)*df ePsf] nufgL

100%

-

-

-

-

cGo nufgLx¿

100%

1,0

00.0

0 1

,000

.00

1,0

00.0

0 1

,000

.00

shf{, ;fk^ -s'n /sd_

100%

1,0

14,1

32.4

5 1

,014

,132

.45

583,

695.

84

583,

695.

84

l:y/ ;DklQx?

100%

7,8

78.6

4

7,8

78.6

4

6,6

26.2

4

6,6

26.2

4

kfpg'kg{] cGo v'b Aofh /sd-s'n kfpg'kg]{ Aofh- ;/sf/L C)fkq tyf

artkqsf] Aofh -Aofh d'NtaL_

100%

-

-

-

-

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

100%

26,

696.

59

26,

696.

59

7,7

15.3

9 7

,715

.39

s_ hDdf

1,3

16,7

78.8

5 1

,098

,249.

99

695

,905

.47

611

,475

.51

-v_ jf;nft aflx/sf] sf/f]jf/

(Off-

Bal

ance

She

ets I

tem

s)hdfgt

0% -

-

-

-

ckl/jTo{ shf{ k|lta$tf

(Irr

evoc

able

Loa

n C

omm

itmen

t)10

0% -

-

-

-

cfos/ jfkt ;DefjLt bfloTj

100%

-

-

-

-

Ace

ptan

ce ;lxt cGo ;j} k|sf/sf ;Defljt bfloTjx?

100%

-

-

-

-

r'Qmf jf e'QmfgL x'g afsL z]o/ nufgL

100%

e'QmfgLsf nflu bfjL k/]sf] hfdgt

200%

-

-

-

-

;+:yf pk/ bfaL k/]sf] t/ ;+:yfn] bfloTj l:jsf/ gu/]sf] bfloTjx?

200%

-

-

-

-

v_ hDdf

-

-

-

-

s'n hf]vLd efl/t ;DklQ

1,3

16,7

78.8

5 1

,098

,249.

99

695

,905

.47

611

,475

.51

48

s|=;

+=ljj/

0f;"r

fÍcf=

j=

@)&$

÷)&%

cf=

j=

@)&#

÷)&$

cf=

j=

@)&@

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cf=

j=

@)&!

÷)&@

cf=

j=

@)&)

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cf=

j=

@)^(

÷)&)

1v'b gfkmf÷s'n cfDbfgL k|ltzt

k|ltzt

11.

11

17.6

0 8

.49

-170

.71

2k|lt z]o/ cfDbfgL

?= 2

6.60

44.0

1 7

.21

-26.

623

k|lt z]o/ ahf/ d"No

?= 1

,840.

00

4d"No cfDbfgL cg"kft -P

E R

atio_

cg"kft

69.

16

0.00

0.00

0.00

5z]o/ k"+hLdf nfef+z -af]g; ;lxt_

k|ltzt

6z]o/ k"+hLdf gub nfef+z e"QmfgL

k|ltzt

-

0.00

0.00

0.00

7Aofh cfDbfgL÷shf{ tyf ;fk^

k|ltzt

17.

08

19.7

6 1

4.7

5 5.

048

sd{rf/L vr{÷s'n ;~rfng vr{

k|ltzt

20.

03

25.7

8 3

0.62

36

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9s'n lgIf]k tyf ;fk^Ldf Aofh vr{

k|ltzt

36.

84

35.3

9 3

0.36

29

.67

10;^xL #^a( cfDbfgL÷s'n cfDbfgL

k|ltzt

-

0.00

11sd{rf/L af]g;÷s'n sd{rf/L vr{

k|ltzt

7.9

8

11.2

3 2

.58

12v'b gfkmf ÷shf{ ;fk^

k|ltzt

2.5

7 4.1

3 1

.61

-21.

5713

v'b gfkmf ÷s'n ;DklQ

k|ltzt

1.5

8

2.4

6 0

.79

-7.9

214

s'n shf{÷lgIf]k

k|ltzt

304

.01

380.

51 5

27.5

5 98

5.69

15s'n ;~rfng vr{÷s'n ;DklQ

k|ltzt

14.0

8

11.6

6 9

.98

13.9

016

hf]lvd efl/t ;DklQdf k"+hLsf]ifsf] kof{Kttf

k|ltzt

-

0.00

-s_ k|fylds k"+hL

k|ltzt

7.77

%8.6

6%10

.84

23.6

6-v_ k"/s k"+hL

k|ltzt

1.29

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98%

0.05

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69-u_ s'n k"+hL sf]if

k|ltzt

9.06

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15.9

227

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17t/ntf

(CR

R)

k|ltzt

22.

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63.

15

93.

18

252.

48

18lgis[o shf{÷s'n shf{

k|ltzt

0.6

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ghte

d Av

erag

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tere

st R

ate

Spre

ad)

7.1

5 1

1.73

1

2.15

10

.00

20a"s g]^jy{

?= 8

5,30

5.98

5

2,94

5.43

28,6

39.5

2 11

040.

9221

s'n z]o/

;+Vof

772

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.00

385,

000.

00

308

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.00

15400

0.00

22s'n sd{rf/L

;+Vof

147

115

6634

.00

23cGo

-

- -

0.

00 -

-

k|d'v ;

"rsfÍ

slDtd

f ljut

^ j

if{sf] kl/;

"rsx?

-cg';

"rL $=

@%_

49

cg';"rL $=@^

n]vf ;DaGwL dxTjk"0f{ gLltx?M!= n]vfsf cfwf/x¿

ljQLo ;+:yfsf] cfly{s ljj/0fx? n]vfsf ;j{dfGo l;4fGt, g]kfn n]vfdfg tyf g]kfn /fi6« a}+ssf] lgb]{zg tyf a}+s ljQLo ;+:yf ;DaGwL P]g, @)&# cg';f/ tof/ kfl/Psf 5g\ . ;+nUg ljQLo ljj/0fx? cGoyf pNn]v ePsf cj:yfx? afx]s g]kfn n]vfdfg af]8{4f/f hf/L ul/Psf dfkb08x?, n]vfsf ;j{dfGo l;4fGtx?, a}+s tyf ljQLo ;+:yf;DaGwL P]g, g]kfn /fi6« a}+s4f/f hf/L ul/Psf lgb]{zgx? tyf sDkgL P]gsf] clwgdf /xL tof/ kfl/Psf] 5 .

@= Jofh cfDbfgL

shf{ tyf ;fk6Ldf k|fKt x'g] Jofh g]kfn /fi6« a}+ssf] lgb]{lzsf cg';f/ gub k|flKtsf] cfwf/df n]vf+sg ul/Psf] 5 . o;/L Jofh cfonfO{ gub k|flKtsf] cfwf/df n]vf+sg ug'{ g]kfn n]vfdfg & -cfosf] n]vf+sg_ sf] cfonfO{ kfs]sf] cfwf/df n]vf+sg ug'{kg]{ l;4fGtsf] cg'?k 5}g . nufgLaf6 cflh{t Jofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] 5 .

#= sldzg cfo

sldzgsf] cfDbfgL gub k|flKtsf] cfwf/df n]vf+sg ul/Psf] 5 .

$= Jofh vr{

lgIf]k bfloTjdf ltg'{kg]{ JofhnfO{ kfs]sf] cfwf/df n]vf+sg ul/Psf] 5 .

%= shf{ gf]S;fgL Joj:yf

ljQLo ;+:yfsf] shf{df /x]sf] lgxLt hf]lvdnfO{ Go"g ug{ cfjZos /sdsf] Joj:yf ul/Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{lzsfsf] cfwf/df shf{, ;fk6nfO{ jlu{s/0f u/L ! b]lv !)) k|ltzt ;Dd shf{ gf]S;fgL Joj:yf ul/Psf] 5 .

^= nufgL

s_ lwtf]kq ahf/df ;"rLs[t ePsf nufgLx¿sf] d"NofÍg k/n df]n jf ahf/ d"Nodf h'g 36L x'G5 To;df ul/g]5 / ahf/ d"No k/n d"NoeGbf 36L ePdf g]kfn /fi6« as+}sf] lgb]{zg

cg';f/ gf]S;fgL jfkt Joj:yf ul/g]5 .

v_ lwtf]kq ahf/df ;"lrs[t gePsf nufgLx¿sf] d"NofÍg k/n df]ndf ug{] ul/Psf] 5 .

u_ o; ljQLo ;+:yfn] g]kfn lkmg;km\6 sDkgL lnld6]8df ;+:yfks z]o/ jfkt /sd ?=!,))),))). - cIf/]kL bz nfv _ dfq nufgL u/]sf] 5 .

&= l:y/ ;DklQ tyf Xf; s§L

ljQLo ;+:yfsf] l:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ffsf] cfwf/df, ;DklQ vl/b;+u ;Da4 cGo vr{x? ;d]t ;f]xL l:y/ ;DklQdf ;dfj]z u/L k"+hLs/0f ul/Psf] 5 .

:yL/ ;DklQdf 36\bf] Xf; k|0ffnL -l/6g8fpg Eofn' d]y8_ sf] cfwf/df Xf; s§L ul/Psf] 5 .

50

*= sd{rf/L af]g;

cfos/ Aoj:yf cl3sf] -sd{rf/L af]g; Aoj:yf kZrft_ v'b gfkmfsf] !) k|ltzt /sd sd{rf/L af]g;sf] nflu ;fljs jdf]lhd\ 5'§ofO{Psf] 5 .

(= nfef+zsf] Aoj:yf u/]sf] 5 .

!)= :6]zg/L df}Hbft

vl/b ul/Psf] :6]zg/L df}HbftnfO{ nfut d"Nosf] cfwf/df n]vf+sg u/L pkef]u ul/Psf] ;dodf vr{ hgfOPsf] 5 .

!!= cfos/ Joj:yf

cfos/ P]g, @)%* -;+zf]wg ;lxt_ adf]lhd cfos/ Joj:yf ul/Psf] 5 .

!@= :yug s/

:yug s/ ;DkQL tyf bfloTj u0fgf ul/Psf]] 5}g .

!#= u}/ a}+lsË ;DklQ

u}/ a}+lsË ;DklQ 5}g .

!$= ;DklQs/0f gul/Psf j:t'x¿

¿= @,))) eGbf sd d"No /x]sf j:t'x¿ vl/b u/]s} jif{df vr{df b]vfOPsf] 5 .

51

cg';"rL $=@&

n]vf l6Kk0fLx?M!= cf=j= @)&$÷)&% df k|jfx ePsf] shf{ ;fk6, c;'nL ePsf] / ldgfxf ul/Psf] ;f+jf tyf Jofhsf] ljj/0f

lgDgfg';f/ 5 .

ljj/0f /sd ?=ut jif{sf] af+sL 577,858,881.60o; jif{sf] af+sL shf{ 1,001,837,650.00

@= lgIf]k bfloTj cGt{ut k|To]s lzif{sdf cf=j= @)&$÷)&% kl/jt{g ePsf] /sdsf] ;+lIfKt ljj/0f .

ljj/0f /sd ?=ut jif{sf] af+sL 153,399,684.66o; jif{sf] af+sL 333,580,077.23

#= lgIf]k / shf{sf] efl/t cf}ift Jofh b/sf] cGt/ -Weighted average Interest Rate Spread_ &=!% % 5 .

$= o; ljQLo ;+:yfsf] ;DklQ / bfloTj;Fu ;DalGwt sf/f]af/ / jf;nft aflx/sf] sf/f]af/ s'g} Ps JolQm kmd{, sDkgL jf ;+ul7t ;+:yf tyf s'g} Ps If]qdf tf]lsPsf] ;LdfeGbf a9L clws]lGb|t ePsf] 5}g .

%= Aofhb/ ;DaGwL hf]lvd cg"udg tflnsf

Aofhb/ ;DaGwL hf]lvd Go'gLs/)f ug{ o; ljQLo ;+:yfn] cfk\mgf] bfloTj tyf ;DklQnfO{ e"QmfgL cjlwsf] cfwf/df ljleGg ;do cGt/fndf juL{s/)f ug'{kg]{ ;DaGwdf g]kfn /fi^« a}+sn] lbPsf] lgb]{zg cg";f/ juL{s/)f ug]{ u/]sf] % .

6= cfly{s jif{ @)&$÷)&% sf] ciff9 d;fGt ;Dd o; ljQLo ;+:yfsf] r'Qmf k+'hL /sd ?= %%,))),))). sf] $)=%) k|ltztsf b/n] af]gz z]o/ jfkt /sd ?=@@,@&%,))). / nfef+z s/ k|of]hgsf nflu /sd ?= !,!&@,#^*=$@ gub nfef+zsf] ?kdf Joj:yf ul/Psf] 5 .

&= g]kfn /fi^« a}+sjf^ n#"ljQ ljQLo ;+:yfx?nfO{ hf/L ul/Psf] lgb]{zg 2075 sf] lgb]{zg g+= 4 pk lgb]{zg g+= 4=1 sf] a"bf g+= h -1_ v adf]lhd\ aflif{s 20 k|ltztegbf a(L nfef+z -gub jf af]g;_ ljt/)fsf] k|:tfj u/]df 20 k|ltzt eGbf dflysf] k|:tfljt nfef+zsf] 25 k|ltzt /sd C)fLx?sf] lxtdf vr{ ug]{u/L cnUu} u|fxs ;+/If)f sf]ifdf hDdf u/L /fVg" kg]{ Aoj:yf eP cg"?k o; cf=j= df 20 k|ltzt eGbf dflysf] k|:tfljt nfef+zsf] 25 k|ltztn] x'g cfpg] /sd ?= 3,111,842=11 ;d]t u/L /sd ?=3,388,911=47 u|fxs ;+/If)f sf]ifdf ;fl/Psf] % .

8= ljQLo ;+:yfn]] ;'/If0fsf ?kdf cfˆgf] ;DklQ lwtf] /fvL /sd lnPsf] 5}g .

9= o; ljQLo ;+:yfn] r'Qmf k"+hL dWo] clu|d e"QmfgL k|fKt - Paid in Advance _ e'QmfgL k|fKt x'g af+sL - Call in Arrears _ / hkmt ul/Psf t/ k'gM lgisfzg gul/;s]sf -forfeited but not reissued_ z]o/x? /x]sf] 5}g .

10= ljQLo ;+:yfn] ljQLo ljj/)fdf, o; jif{ v'b ;Defljt gf]S;fgL Joj:yf /sd pNn]v u/]sf] ;fy} o; cfly{s aif{df shf{ alu{s/)fsf] z'Id lgu/fgL lzif{s cGt{ut /fv]sf] ;Defljt gf]S;fgL Joj:yfaf^ /sd ?= 752,442.81 o;} cfly{s aif{sf] cGtdf ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ n]lv cfDbfgL hgfO{Psf] % .

11= ljQLo ;+:yfn] o; cfly{s aif{;Dddf sd{rf/L pkbfgsf] nflu ?= 1,233,860.00 / ;+lrt ljbfsf] ;§f tnj jfkt /sd ?= 4,119,378.03 Aoj:yf u/]sf] % .

52

12_ ljQLo ;+:yfn] o; cfly{s jif{df sd{rf/L tna cGt{ut k|d"v sfo{sf/L clws[tnfO{ tnaeQf u/L hDdf /sd ?= 1,875,129.63 k|bfg u/]sf] % .

13_ o; ljQLo ;+:yfn] g]kfn lkmG;km^\ sDkgL lnld^]*df ;+:yfks z]o/ jfkt /sd ?= bz nfv nufgL u/]sf] % .

14_ ljQLo ;+:yfn] o; cfly{s jif{df shf{ gf]S;fgL Joj:yf cGtu{t /sd ?= 75,2442.81 cltl/Qm shf{ gf]S;fgL Joj:yf u/]sf]df pQm /sdnfO{ o;} cfly{s jif{sf] cGtdf ;Defljt gf]S;fgL Joj:yfaf^ lkmtf{ u/L gfkmf gf]S;fg lx;fadf cfDbfgLtkm{ b]vfOPsf] % .

15_ sd{rf/Lx?sf] bIftf clej[l$ sf]if

ljQLo ;+:yfn] o; cfly{s jif{df s'n sd{rf/L vr{sf] 3 k|lt;tn] x'g cfpg] /sd ?=1,103,375.01 dWo] sd{rf/L tflnd vr{df /sd ?= 542,642.67 vr{ u/]sf] / af+sL /sd ?=560,732.34 nfO{ cg';'rL 4=18 sf] a'bf 26 -r_ df pNn]lvt sfof{no ;+rfng cGo vr{ lzif{sdf b]vfO{Psf] % / ;f] sf] lja/)f o; k|sf/ % .

ljj/0f /sdkm'^s/ kmlgr{/ vr{ (Low Cost ItemsExpenses) 195,251.89

ljljw vr{ (Miscellaneous Expenses) 225,731.51Hofnf vr{ (Support Staff Wages) 1,921,466.71C I B Charge Expenses 58,200.00Closing Expenses 66,450.00sd{rf/Lx?sf] bIftf clej[l4 vr{Employee Efficiency Accretion Expenses 560,732.34

3,027,832.45

;fy} pQm /sd ?= 560,732.34 nfO{ cg';'rL 4=6 sf] a'bf g+= 13 df pNn]lvt e'QmfgL lbg cGo lzif{sdf b]vfOPsf] % / ;f] sf] lja/)f o; k|sf/ % .

ljj/0f /sdTDS 14,982.75Insurance Liabilities 718,579.00sd{rf/Lx?sf] bIftf clej[l4 vr{ ut jif{ ;Ddsf]Employee Efficiency Accretion 184,516.68

sd{rf/Lx?sf] bIftf clej[l4 vr{ o; jif{sf] Employee Efficiency Accretion

560,732.34

Income Tax - Liabilities 2,130.00Salary Payable 1,130.68House Rent Tax Payable 950.00TDS on Deposits 540.05Total 1,483,561.50

ut jif{sf] c+sx? cfjZostf cg';f/ k'g juL{s/0f tyf :yfgfGt/0f ul/Psf] 5 .

53

qm=;+= ;+:yfks/;+:yfks ;d'x cGt{ut kg{] z]o/wgLsf] gfd

;+:yfkssf] :jldTjdf sfod /x]sf] z]o/

shf{ ljj/)f s}lkmot

s'n lsQf ;+Vof

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

shf{ lnPsf] cGo

a}s/ljQLo ;+:yfsf] gfd

shf{ /sd

lwtf]df /x]sf] z]o/

lsQf ;+Vof

1. - - - - -

2. - - - - -

- - - - -

2075 ;fn cfiff( d;fGtsf];+:yfks÷;+:yfks ;d'xsf z]o/ wgLn] cfkm\gf] :jfldtjdf /x]sf] z]o/ cGo a}s tyf ljQLo

;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/)f

cg';"rL $=@*






nf]sgfy g]kfn;~rfns

t'n;L/fd vgfn;~rfns


54

S.No.

Particulars As per Unau-dited Financial

Statement

As per Audit-ed Financial Statement

Variance Reasons of Vari-ance In Amount In %

1. Total Capital and Liabili-ties (1.1 to 1.7)

1,304,484.05 1,304,484.03 -

1.1 Paid Up Capital 55,000.00 77,275.00 (22,275) (28.8) Due to Bonus Share

1.2 Reserve and Surplus 35,178.84 11,731.46 23,447 199.9 Due to Bonus Share

1.3 Debenture and Bond - - 1.4 Borrowings 852,426.82 852,426.82 - - 1.5 Deposits (a+b) 333,580.08 333,580.08 - -

a. Domestic Currency 333,580.08 333,580.08 - - b. Foreign Currency - - -

1.6 Income Tax Liability 8,809.66 8,809.66 - 1.7 Other Liabilities 19,488.65 20,661.01 (1,172) (6) Due to Dividend 2. Total Assets (2.1 to 2.7) 1,304,484.05 1,304,484.05 - - 2.1 Cash and Bank Balance 267,071.17 24,359.61 242,711.56 996 Due to adjust-

ment made 2.2 Money at Call and Short

Notice 242,711.56 (242,711.56) (100) Due to adjustment

made 2.3 Investments 1,000.00 1,000.00 - 2.1 Loans and Advances 1,001,837.65 1,001,837.65 - - 2.5 Fixed Assets 7,878.64 7,878.64 - - 2.6 Non Banking Assets - - - 2.7 Other Assets 26,696.59 26,696.59 - - 3. Profit and Loss Accounts3.1 Interest Income 154,734.51 154,734.51 - - 3.2 Interest Expenses 89,695.54 89,695.54 - -

A. Net Interest Income (3.1 to 3.2) 65,038.97 65,038.97 - - 3.3 Fees, Commission and

Discount 578.14 - 578 Due to adjust-

ment made 3.4 Other Operating Income 29,652.40 30,230.53 (578) (2) Due to adjust-

ment made

g]=/f=a}+s lgb]{zg cg';"rL $=@(

Unnati MicroFinance Bittiya Sanstha LimitedSiddharthanagar Mu. -12, Rupandehi

Comparison of Unaudited and Audited Financial Statement as of F.Y. 2074/075

Rs. In ‘000

55

S.No.

Particulars As per Unau-dited Financial

Statement

As per Audit-ed Financial Statement

Variance Reasons of Vari-ance In Amount In %

3.5 Foreign Exchange Gain/Loss (Net)

- - -

B. Total Operating Income (A+3.3+3.4+3.5)

95,269.51 95,269.50 - -

3.6 Staff Expenses 36,779.17 36,779.17 - - 3.7 Other Operating Expenses 19,730.41 19,730.40 - - C. Operating Profit Before Pro-vision (B-3.6+3.7)

38,759.93 38,759.93 - -

3.8 Provision for Possible Losses

7,210.28 7,210.29 - -

D. Operating Profit (C-3.8) 31,549.65 31,549.64 - - 3.9 Non Operating In-

come/Expenses (Net) - - -

3.10 Write Back of Provision for Possible Loss

752.44 752.44 - -

E. Profit From Regular Activities (D+3.9+3.10)

32,302.09 32,302.08 - -

3.11 Extraordinary Income/Ex-penses (Net)

- - - -

F. Profit before Bonus and Taxes (E+3.11)

32,302.09 32,302.08 - -

3.12 Provision for Staff Bonus 2,936.55 2,936.55 - - 3.13 Provision for Tax 8,809.66 8,809.66 - G. Net Profit/Loss (F-3.12-3.13) 20,555.88 20,555.87 - -

56

s|=;+= ;fljssf] Joj:yf ;+zf]wgsf] nflu k|:tfljt Joj:yf . ;+zf]wgsf] sf/0fk|aGw kq

!= bkmf !M

sDkgLsf] gfd M o; sDkgLsf] gfd æpGglt dfOs|f]kmfO{gfG; ljQLo ;+:yf lnld6]8Æ x'g]5 / o;nfO{ c+u|]hLdf Unnati Microfinance Bittiya Sanstha Limited elgg]5 . h;nfO{ o;kl5 æljQLo ;+:yfÆ egL ;Daf]wg ul/g] 5 .

bkmf !M

sDkgLsf] gfd M o; sDkgLsf] gfd æpGglt n3'ljQ ljQLo ;+:yf lnld6]8Æ x'g]5 / o;nfO{ c+u|]hLdf Unnati Laghubitta Bittiya Sanstha Limited elgg]5 . h;nfO{ o;kl5 æljQLo ;+:yfÆ egL ;Daf]wg ul/g] 5 .

a}+s tyf ljQLo ;+:yf ;DaGwL P]g,@)&# hf/L ePsf]n] .

@= bkmf @M

-@_

ljQLo ;+:yfsf] sfo{If]q ?kGb]xL, kfNkf, Ko'7fg, slkna:t', c3f{vf+rL, u'NdL, kj{t,afUn'Ë, DofUbL, d':tfË, :ofª\hf,sf:sL,;Nofg,/f]Nkf / ;'v]{t u/L !% lhNnfdf /xg]5 / g]kfn /fi6« a}+ssf] l:js[tL lnO cfjZostf cg';f/ sfo{If]q leq zfvf, pkzfvf jf cGo sfof{no vf]nL sf/f]jf/ ug{ ;lsg]5 .

bkmf @M

-@_

o; ljQLo ;+:yfsf] sfo{If]q g]kfn e/ && j6f lhNnfleq x'g]5 . g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cfjZostf cg';f/ zfvf, pkzfvf jf cGo sfof{no vf]nL ljQLo sf/f]af/ ug{ ;lsg]5 .

ljQLo ;+:yfsf] k+"hL j[l4 ;+u;+u} sfo{If]q lj:tf/ u/L :t/f]Gglt ul/g] ePsf]n] .

#= bkmf ^ -s_

ljQLo ;+:yfsf] clws[t k"FhL ?= !#,@),)),))). -t]x| s/f]8 la; nfv dfq_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?= !)) b/sf t]x| nfv lj; xhf/ yfg ;fwf/0f z]o/df ljeflht ul/Psf] 5 .

bkmf ^ -s_

ljQLo ;+:yfsf] clws[t k"FhL ?= @!,!*,^),))). -PSsfO; s/f]8 c7f/ nfv ;f7L xhf/ dfq_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?= !)) b/sf @!,!*,^)) -PSsfO; nfv c7f/ xhf/ 5;o_ yfg ;fwf/0f z]o/df ljeflht ul/Psf] 5 .

%M!cg'kft z]o/ k"FhL j[l4 ul/P cg'?k clws[t k"FhLdf ePsf] j[l4 .

$= bkmf ^ -v_

ljQLo ;+:yfsf] hf/L ul/g] k"FhL ?= ^,^),)),))). -5 s/f]8 ;f7L nfv dfq_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?= !)) b/sf 5 nfv ;f7L xhf/ yfg ;fwf/0f z]o/df ljeflht ul/Psf] 5 .

bkmf ^ -v_

ljQLo ;+:yfsf] hf/L ul/g] k"FhL ?= !),%(,#),))). -b; s/f]8 pG;f7L nfv lt;xhf/ dfq_ x'g]5 . ;f] k"FhLnfO{ k|lt z]o/ ?= !)) b/sf !),%(,#)) -b;nfv pG;f7Lxhf/ tLg;o_ yfg ;fwf/0f z]o/df ljeflht ul/Psf] 5 .

%M! cg'kft cyf{t @) k|ltzt xsk|b z]o/ k"FhL a[l4 ul/P cg'?k hf/L ul/g] k"FhLdf ePsf] a[l4 .

lgodfjnLdf z+;f]wg ug{ rf}yf] jflif{s ;fwf/0f ;efdf ljz]if k|:tfjdf k]z ul/Psf] ltg dxn] .

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%= bkmf ^ -u_

ljQLo ;+:yfsf] r'Qmf kF"hL ?= ̂ ,^),)),))). -5 s/f]8 ;f7L nfv dfq_ x'g]5 .

bkmf ^ -u_

ljQLo ;+:yfsf] r'Qmf kF"hL ?= !),%(,#),))). -b; s/f]8 pG;f7Lnfv lt; xhf/ dfq_ x'g]5 .

t];|f] ;fwf/0f ;efjf6 kfl/t %M! cg'kftdf cyf{t @) k|ltzt xsk|b z]o/ ?= )! s/f]8 !) nfv / cf=a= )&$÷&% ;fnsf] $)=%) k|ltzt af]g; z]o/ ?= )@ s/f]8 @@ nfv &% xhf/ hf/L kZrft sfod x'g] hf/L tyf r'Qmf kF"hL ?= )* s/f]8 *@ nfv &% xhf/ sf] %M! cg'kftdf cyf{t @) k|ltzt xsk|b z]o/ hf/L u/L k"FhL a[l4 ul/g] ePsf]n] .

Gff]6M k|SGwkqsf] ;fljs Aoj:yfg';f/ ljQLo ;+:yfsf] r'Qmf k"FhL ^ s/f]8 ^) nfv pNn]v ePtf klg g]kfn lwtf]kq jf]8{jf6 :jLs[t eO hf/L k|s[ofdf /x]sf] ? ! s/f]8 !) nfv r'Qmf x'g jf+sL /x]sf] 5 .

lgodfjnLdf z+;f]wg ug{ rf}yf] jflif{s ;fwf/0f ;efdf ljz]if k|:tfjdf k]z ul/Psf] ltg dxn] .

s|=;+= ;fljssf] Joj:yf ;+zf]wgsf] nflu k|:tfljt Joj:yf . ;+zf]wgsf] sf/0f

lgodfjnL!= lgod !M

sDkgLsf] gfd M o; sDkgLsf] gfd æpGglt dfOs|f]kmfO{gfG; ljQLo ;+:yf lnld6]8Æ x'g]5 . o;nfO{ c+u|]hLdf Unnati Microfinance Bittiya Sanstha Limited elgg]5 . h;nfO{ o;kl5 æljQLo ;+:yfÆ egL ;Daf]wg ul/g] 5 .

lgod !M

sDkgLsf] gfd M o; sDkgLsf] gfd æpGglt n3'ljQ ljQLo ;+:yf lnld6]8Æ x'g]5 / o;nfO{ c+u|]hLdf Unnati Laghubitta Bittiya Sanstha Limited elgg]5 . h;nfO{ o;kl5 æljQLo ;+:yfÆ egL ;Daf]wg ul/g] 5 .

a}+s tyf ljQLo ;+:yf ;DaGwL P]g,@)&# hf/L ePsf]n] .

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59

g]kfn /fi6« a}+sjf6 cf=j= @)&$÷)&% sf] ljQLo ljj/0f k|sfzg ug{ :jLs[t lbbf lbOPsf] lgb]{zg ;DaGwdfljQLo ;+:yfsf] Joj:yfkgsf] k|lts[of M!M lgb]{zg adf]lhd ul/g]] .

@M lgb]{zg adf]lhd ul/g]] .

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xfn Joj:yfkg ;d"x tyf zfvf sfof{nox?sf] ljj/0f‘s’ s]Gb|Lo sfof{no

l;=g= Gffd kb ;Dks{ kmf]g -sfof{no_ df]afOn g=

! k|]d axfb'/ kf7s k|d'v sfo{sf/L clws[t )&!-%@!!@& (*%&)@!)!&

@ xl/x/ uf}td k|aGws )&!-%@!!@^ (*$*$^^$$$

# nfn jxfb'/ /fjn ;xfos k|aGws )&!-%@!!@^ (*$*)#%!%#

$ ch'{g k|;fb nD;fn clws[t )&!-%@!!@^ (*$&)#($(!

% bfdf]b/ l;Ub]n clws[t )&!-%@!!@^ (*$&!)#%!(

^ 6f]k j=v8\sf slgi6 clws[t )&!-%@!!@^ (*$&$)^*^&

& k|ltIff sfsL{ j:g]t slgi6 clws[t )&!-%@!!@^ (*$&)**$$$‘v’ zfvf sfof{no

l;=g= Gffd sfof{no kb kmf]g g+=

! zDe' xl/hg lzjk'/ Zffvf k|d'v )&^–%$)!^#

@ eb| jxfb'/ jf]x/f Aff]8ufFp Zffvf k|d'v )&!–^@)!@^

# rGbg s'df/ kf08]o s[i0fgu/ Zffvf k|d'v )&^–%@)#$&

$ /d]z l;njfn 3f]/aGbf Zffvf k|d'v )&%–%@)%@*

% c/ljGb s'df/ emf+ uf]?l;Ë] Zffvf k|d'v )&^–%$%!^(

^ /fh s'df/ ofbj d}lgxjf Zffvf k|d'v )&^%^)%#^

& cho lqkf7L ks8L Zffvf k|d'v )&^–^(#*@(

* /Ltf g]kfn l/l8ahf/ Zffvf k|d'v )&(–$)))%*

( ;[hgf jGhf8] s]=;L= g]6fahf/ Zffvf k|d'v )&!–^@)$!)

!) v'dfgGb kf]v|/]n km'bjfË Zffvf k|d'v )&!–^@@@$^

!! ;'o{ k|;fb clwsf/L xfl6agufO Zffvf k|d'v )&!–%@%*$!

!@ s]bf/ /fh hf]zL z+s/k'/ Zffvf k|d'v )&!–^@!$^&

!# ;+ho kf}8]n gf/fo0f:yfg Zffvf k|d'v )^*–$!#)($

!$ lht]Gb| b'j] dof{bk'/ Zffvf k|d'v (*%&)!^&#!

!% v'dfgfy zdf{ h:;k'/ Zffvf k|d'v (*%&)!%*@!

!^ e'jg l8=;L= d/G7fgf Zffvf k|d'v )*^–$!))$^

!& j;g kf}8]n r'jf Zffvf k|d'v (*%&^^%!%(

!* s[i0f s+8]n x/}of Zffvf k|d'v )&! –$!&!!@

!( cfzf s'df/L yf? u+h]8L Zffvf k|d'v (*%&)&)&#%

@) bfdf]b/ rf}w/L d+unk'/ Zffvf k|d'v (*%&)!^)#$

@! /ljGb| rf}w/L wswO{ Zffvf k|d'v (*)&%)%(!%

@@ wd]{Gb| ofbj k8;/L Zffvf k|d'v (*%&)!^$&!

@# czf]s yf? as'nL Zffvf k|d'v (*%&)!^$@$

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l;=g= Gffd sfof{no kb kmf]g g+=

@$ lutf kf}8]n dNnfhdfFemkmfF6 Zffvf k|d'v )^(– %@)!()

@% lbk]Gb| rf}w/L aFf;u9L Zffvf k|d'v (*%&)@&#%%

@^ clgn zfxL gofufFp Zffvf k|d'v (*%&)&)^*)

@& /d]z u'Ktf dlxnjf/ Zffvf k|d'v )&! –%*))&&

@* 3gZofd rdf/ dxf/fhuGh Zffvf k|d'v (*%&)%#%!)

@( ;[hgf zdf{ afUn'Ë Zffvf k|d'v )^*—%@#)%#

#) yfg]Zj/ ofbj of]uLs'6L Zffvf k|d'v (*%&)&#^*^

#! gf/fo0f k|;fb e§/fO{ en'xL Zffvf k|d'v )&!—$)#!*&

#@ k|sfz jxfb'/ j}bjf/ /fdk'[/ Zffvf k|d'v )&%—$)!)$@

## s]zj s'dfn jfljofrf}/ Zffvf k|d'v (*%&^@$!*)

#$ lbks e08f/L hf]d;f]d Zffvf k|d'v )^(—$))!&$

#% lgns07 l3ld/] /fhfsf] rf}tf/f Zffvf k|d'v (*$#&))^##

#^ b]j]Gb v8\sf jf8vf]nf Zffvf k|d'v (*^*&%#%%#

#& ;'l;n 3tL{ lnjfË Zffvf k|d'v (*$&*#(&$*

#* ljzfn kl/of/ jfn'jf ;+u|fxL Zffvf k|d'v (*^^!^&&!(

#( pd]z zdf{ hx/] Zffvf k|d'v (*$*%@!(#&

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l6Kk0fL Pjd\ ;'emfj M

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l6Kk0fL Pjd\ ;'emfj M

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