standard charerted bank

8/14/2019 Standard Charerted Bank

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4/88


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5/88



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9/88



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10/88



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11/88



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12/88



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13/88



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14/88


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15/88



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16/88


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17/88



Bhfyc{d{d|c yhrd{dhjdj`

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hs{ycwlhwf hsw bhfyc{d{hwr

Faja`cfcj{ Kdrbdyodjc

Bhj{djshsrot dfywh|dj` {ec pat pc phwm/ gaoajbdj` {ec yswrsd{ hl

`whp{e pd{e ldwf bhj{who hl bhr{r ajk wdrmr

7*3*3 Bhffd{fcj{ {h r{amcehokcwr

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Yarrdhja{c aghs{ hsw bsr{hfcwr rsbbcrr/ kcod`e{dj` {ecf pd{e {ec

qsaod{t hl hsw rcw|dbc

Hsw Ychyoc

Ecoydj` hsw ychyoc {h `whp/ cjagodj` djkd|dksaor {h famc a kdllcwcjbc

ajk {cafr {h pdj

Bhffsjd{dcr

[wsr{ck ajk bawdj`/ kckdba{ck {h famdj` a kdllcwcjbc

Dj|cr{hwr

A kdr{djb{d|c dj|cr{fcj{ kcod|cwdj` hs{r{ajkdj` ycwlhwfajbc ajk

rsycwdhw wc{swjr*


18/88



BEAY[CW 2> YWHKSB[R AJK RCW\DBCRXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Ywhksb{r ajk rcw|dbcr awc a|adoagoc a{ {ec kdrbwc{dhj hl R{ajkawk Beaw{cwck

hw {ec wcoc|aj{ R{ajkawk Beaw{cwck @whsy Bhfyajt hw arrhbda{c/ rsgncb{ {h

{ec djkd|dksao {cwfr ajk bhjkd{dhjr hj pedbe {ect awc hllcwck/ ajk rsbeywhksb{r ajk rcw|dbcr fat gc pd{ekwapj hw afcjkck a{ ajt {dfc pd{ehs{

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pec{ecw {wajrfd{{ck {ewhsè hw ywdj{ck lwhf {edr pcg rd{c hw h{ecwpdrc/ reaoo

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khbsfcj{r wcqsdwck gt RBG*

2*1> YCWRHJAO GAJMDJ@

[ewhsè hsw òhgao jc{phwm hl h|cw 1/099 gwajbecr ajk hs{oc{r/ pc hllcw

ycwrhjao ldjajbdao rhos{dhjr {h fcc{ {ec jcckr hl fhwc {eaj 1; fdoodhj

bsr{hfcwr abwhrr Arda/ Alwdba ajk {ec Fdkkoc Car{*

Ycwrhjao Gajmdj` Yoajr

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Kcgd{ Bawkr

Ywcyadk Bawkr

Bwckd{ Bawkr

Ohajr

Dj|cr{fcj{ Rcw|dbcr

Djrswajbc

Hjodjc Rcw|dbcr


19/88



Rycbdao Hllcwr

JWD Abbhsj{r

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rhos{dhjr {h fcc{ {ec sjdqsc jcckr ajk arydwa{dhjr hl edè jc{ phw{e bodcj{r*

2*2 PEHOCRAOC GAJMDJ@

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ryajr hsw òhgao jc{phwm/ hsw Pehocraoc Gajmdj` kd|drdhj ywh|dkcr

bhwyhwa{c ajk djr{d{s{dhjao bodcj{r pd{e djjh|a{d|c rhos{dhjr dj {wakc ldjajbc/

bare faja`cfcj{/ rcbswd{dcr rcw|dbcr/ lhwcd`j cubeaj`c ajk wdrmfaja`cfcj{/ bayd{ao wadrdj`/ ajk bhwyhwa{c ldjajbc*

2*; RFC GAJMDJ@

RFC Gajmdj` kd|drdhj hllcwr a pdkc waj`c hl ywhksb{r ajk rcw|dbcr {h ecoy

rfaoo ajk fckdsf&rd~ck cj{cwywdrcr faja`c {ec kcfajkr hl a `whpdj`

gsrdjcrr*

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[wakc Rcw|dbcr , Phwmdj` Bayd{ao

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Dj{cwja{dhjao [wakc Abbhsj{

Ohaj(H|cwkwal{ Aàdjr{ Ywhycw{t

2*3 DROAFDB GAJMDJ@

R{ajkawk Beaw{cwck Raakdqr kckdba{ck Droafdb Gajmdj` {caf ywh|dkcrbhfywcecjrd|c dj{cwja{dhjao gajmdj` rcw|dbcr ajk a pdkc waj`c hl Reawdae

bhfyodaj{ ldjajbdao ywhksb{r {ea{ awc garck hj Droafdb |aoscr*


20/88



2* HJODJC GAJMDJ@

R{ajkawk Beaw{cwck Hjodjc dr aj djjh|a{d|c Hjodjc Gajmdj` rcw|dbc {ea{ ths

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faja`c thsw ldjajbcr ajt{dfc/ ajtpecwc*

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ajt{dfc ajk lwhf ajtpecwc dj {ec phwok*

Lca{swcr hl fhgdoc gajmdj`>&

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bswwcj{ abbhsj{r

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thsw gajm abbhsj{

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thsw Fhgdoc Yehjc!

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2*5> DJRSWAJBC

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ajt{edj` lhw `waj{ck dj odlc* Djrswajbc yhodbdcr awc a ralc`sawk aàdjr{ {ec

sjbcw{adj{dcr hl odlc*

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fajt/ cuyhrck {h rdfdoaw wdrmr* Djrswajbc dr a ywh{cb{dhj aàdjr{ ldjajbdao

ohrr awdrdj` hj {ec eayycjdj` hl aj sjcuycb{ck c|cj{* Djrswajbc yhodbt

ecoyr dj jh{ hjot fd{dà{dj` wdrmr gs{ aorh ywh|dkcr a ldjajbdao bsredhj aàdjr{

ak|cwrc ldjajbdao gswkcjr rsllcwck*


21/88



Djrswajbc yhodbdcr bh|cw {ec wdrm hl odlc ar pcoo ar h{ecw arrc{r ajk |aosagocr

rsbe ar ehfc/ as{hfhgdocr/ ncpcowt c{ ao* Hj {ec gardr hl {ec wdrm {ect bh|cw/

djrswajbc yhodbdcr baj gc boarrdldck dj{h {ph ba{c`hwdcr>

1* Odlc Djrswajbc Yhodbdcr

7* @cjcwao Djrswajbc Yhodbdcr

2*5*1> ODLC DJRSWAJBC YHODBDCR

Odlc dr |cwt lwa`doc ajk kca{e dr a bcw{adj{t* Pc bajjh{ bhj{who {ec

sjbcw{adj{dcr hl odlc* Gs{/ pc baj bh|cw {ec wdrmr rswwhsjkdj` sr* Odlc

djrswajbc/ rdfyot ys{/ dr {ec bh|cw lhw {ec wdrmr {ea{ pc wsj kswdj` hsw od|cr* D{

ywh{cb{r sr lwhf {ec bhj{dj`cjbdcr {ea{ bhsok allcb{ sr* Odlc djrswajbc dr jh{

lhw {ec ycwrhj peh yarrcr apat/ d{ lhw {ehrc peh rsw|d|c* D{ dr {ec

wcryhjrdgdod{t hl c|cwt gwcak cawjcw {h `sawk aàdjr{ {ec c|cj{r {ea{ bhsok

allcb{ {ec lafdot dj {ec sjlhw{sja{c bdwbsfr{ajbc hl edr ( ecw kcfdrc* [esr/

ea|dj` a odlc djrswajbc yhodbt dr |cwt |d{ao* Gclhwc `hdj` lhw a odlc djrswajbc

yhodbt d{ dr dfycwa{d|c {ea{ ths mjhp aghs{ |awdhsr {tycr hl odlc djrswajbc

yhodbdcr* Fanhw afhj` {ecf awc>

Cjkhpfcj{ Yhodbt

Pehoc Odlc Yhodbt

[cwf Odlc Yhodbt

Fhjct&gabm Yhodbt

Nhdj{ Odlc Yhodbt

@whsy Djrswajbc Yhodbt

Ohaj Bh|cw [cwf Arrswajbc Yhodbt

Ycjrdhj Yoaj hw Ajjsd{dcr

Sjd{ Odjmck Djrswajbc Yoaj

2*5*7> @CJCWAO DJRSWAJBC YHODBDCR

@cjcwao Djrswajbc ywh|dkcr fsbe&jcckck ywh{cb{dhj aàdjr{ sjlhwcrccj

c|cj{r rsbe ar abbdkcj{r/ doojcrr/ ldwc/ gswòawt c{ ao* Sjodmc Odlc Djrswajbc/

@cjcwao Djrswajbc dr jh{ fcaj{ {h hllcw wc{swjr gs{ dr a ywh{cb{dhj aàdjr{


22/88



bhj{dj`cjbdcr* Aofhr{ c|cwt{edj` {ea{ ear a ldjajbdao |aosc dj odlc ajk ear a

ywhgagdod{t hl `c{{dj` ohr{/ r{hocj hw kafa`ck baj gc bh|cwck {ewhs`e

@cjcwao Djrswajbc yhodbt*

Ywhycw{t/ |cedboc/ bare/ ehsrcehok `hhkr/ ecao{e/ kdrehjcr{t ajk aorh hjcr

odagdod{t {hpawkr h{ecwr baj gc bh|cwck sjkcw `cjcwao djrswajbc yhodbt*

Sjkcw bcw{adj Ab{r hl Yawodafcj{/ rhfc {tycr hl djrswajbc odmc Fh{hw

Djrswajbc ajk Ysgodb Odagdod{t Djrswajbc ea|c gccj fakc bhfysorhwt* Fanhw

djrswajbc yhodbdcr {ea{ awc bh|cwck sjkcw @cjcwao Djrswajbc awc>

Ehfc Djrswajbc

Ecao{e Djrswajbc

Fh{hw Djrswajbc

[wa|co Djrswajbc

2*4> SJD[ ODJMCK DJRSWAJBC YOAJ

Sjd{ odjmck djrswajbc yoaj %SODY$ dr odlc djrswajbc rhos{dhj {ea{ ywh|dkcr lhw

{ec gcjcld{r hl ywh{cb{dhj ajk locudgdod{t dj dj|cr{fcj{* [ec dj|cr{fcj{ dr

kcjh{ck ar sjd{r ajk dr wcywcrcj{ck gt {ec |aosc {ea{ d{ ear a{{adjck baoock

ar Jc{ Arrc{ \aosc %JA\$* [ec yhodbt |aosc a{ ajt {dfc |awdcr abbhwkdj` {h

{ec |aosc hl {ec sjkcwotdj` arrc{r a{ {ec {dfc*

SODY ywh|dkcr fso{dyoc gcjcld{r {h {ec bhjrsfcw* [ec gcjcld{r djboskc>

Odlc ywh{cb{dhj

Dj|cr{fcj{ ajk Ra|dj`r

Locudgdod{t

Aknsr{agoc Odlc Bh|cw

Dj|cr{fcj{ Hy{dhjr

[wajryawcjbt

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Kca{e ksc {h abbdkcj{

Kdragdod{t

Bwd{dbao Doojcrr

Rsw`cwdcr

Odqsdkd{t


23/88



[au yoajjdj`

Lca{swcr hl Sjd{ Odjmck Djrswajbc Yoaj

Ywcfdsfr yadk baj gc rdj`oc/ wc`soaw hw |awdagoc* [ec yatfcj{ ycwdhk

{hh baj gc wc`soaw hw |awdagoc* [ec wdrm bh|cw baj gc djbwcarck hw

kcbwcarck*

[ec bhr{r dj SODY awc ed`ecw gcbasrc {ecwc dr a odlc djrswajbc

bhfyhjcj{ dj d{ ar pcoo/ dj akkd{dhj {h {ec dj|cr{fcj{ bhfyhjcj{*

Dj|cr{fcj{r baj gc fakc dj `do{ lsjkr/ gaoajbck lsjkr/ fhjct fawmc{

lsjkr/ `whp{e lsjkr hw ghjkr*

[ec yhodbtehokcw baj rpd{be gc{pccj rbecfcr/ lhw djr{ajbc/ gaoajbck

{h kcg{ hw `do{ {h cqsd{t/ c{b*

Ar dj aoo djrswajbc yhodbdcr/ {ec wdrm beaw`c %fhw{aod{t wa{c$ |awdcr pd{e

a`c*

[ec fa{swd{t gcjcld{ dr jh{ {tydbaoot a lduck afhsj{ ajk {ec fa{swd{t

ycwdhk baj gc ak|ajbck hw cu{cjkck*

[ec fa{swd{t gcjcld{ dr {ec jc{ arrc{ |aosc hl {ec sjd{r*

Djrswajbc bhfyajdcr ea|c {ec kdrbwc{dhj {h kcbdkc hj {ecdw

dj|cr{fcj{ yhw{lhodhr*

[ect awc rdfyoc/ bocaw/ ajk cart {h sjkcwr{ajk*

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ycwlhwfajbc hl edr lsjk*

Ywh|dkcr bayd{ao ayywcbda{dhj*

Dj|cr{hw `c{r aj hy{dhj {h behhrc afhj` kcg{/ gaoajbck ajk cqsd{t

lsjkr*

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SODY ywhksb{r awc cucfy{ck lwhf {au ajk {ect ywh|dkc odlc djrswajbc*

SODY dj R{ajkawk Beaw{cwck Gajm

R{ajkawk Beaw{cwck hllcwr a pdkc waj`c hl Odlc Djrswajbc Ywhksb{r lwhf

Ganan Aoodaj~ Odlc Djrswajbc Bhfyajt/ hjc hl Djkdar ocakdj` Djrswajbc

bhfyajdcr*


24/88



[ec locudgoc Sjd{ odjmck odlc djrswajbc yoajr a{ R{ajkawk Beaw{cwck gajm

ywh|dkcr {ec hyyhw{sjd{t {h yaw{dbdya{c dj fawmc{&odjmck wc{swjr pedoc cjnhtdj`

{ec |aosagoc gcjcld{r hl odlc djrswajbc*

2*19> FS[SAO LSJKR

Fs{sao Lsjk dr aj djr{wsfcj{ hl dj|cr{dj` fhjct* Jhpakatr/ gajm wa{cr

ea|c laoocj khpj ajk awc `cjcwaoot gcohp {ec djloa{dhj wa{c* [ecwclhwc/

mccydj` oaw`c afhsj{r hl fhjct dj gajm dr jh{ a pdrc hy{dhj/ ar dj wcao

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hl r{hbm fawmc{* [edr dr pecwc fs{sao lsjkr bhfc {h {ec wcrbsc*

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yswbearc a kd|cwrc yhw{lhodh hl r{hbmr hw ghjkr* Fs{sao lsjkr awc edèot bhr{

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lsjk/ dj|cr{hwr baj yswbearc r{hbmr hw ghjkr pd{e fsbe ohpcw {wakdj` bhr{r

{eaj dl {ect {wdck {h kh d{ hj {ecdw hpj* Aorh/ hjc khcrj{ ea|c {h ld`swc hs{

pedbe r{hbmr hw ghjkr {h gst* Gs{ {ec gd``cr{ ak|aj{a`c hl fs{sao lsjkr dr

kd|cwrdldba{dhj*

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dj|cr{fcj{r* Pecj hjc dj|cr{fcj{ dr khpj ajh{ecw fdè{ gc sy*

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[ec hwd`dj hl {ec Djkdaj fs{sao lsjkr djksr{wt ka{cr gabm {h 14


25/88



hj a ghhfdj` cbhjhft ajk {ec awwd|ao hl a ehwkc hl dj{cwja{dhjao lsjk

ehsrcr*

Ldwr{ Yearc 14


26/88


27/88


28/88



BEAY[CW ;> RA\DJ@ ABBHSJ[XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

A Ra|dj` Gajm abbhsj{ %RG abbhsj{$ dr fcaj{ {h ywhfh{c {ec eagd{ hl ra|dj`

afhj` {ec ychyoc* D{ aorh labdod{a{cr ralcmccydj` hl fhjct* Dj {edr rbecfc

lsjk dr aoohpck {h gc pd{ekwapj pecjc|cw wcqsdwck/ pd{ehs{ ajt bhjkd{dhj*

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thsw fhjct* Gajm kcyhrd{r awc ladwot ralc gcbasrc gajmr awc rsgncb{ {h

bhj{who hl {ec Wcrcw|c Gajm hl Djkda pd{e wc`awk {h rc|cwao yhodbt ajk

hycwa{dhjao yawafc{cwr* Gajm aorh yatr ths a fdjdfao dj{cwcr{ lhw mccydj`

thsw fhjct pd{e {ecf*

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cardot abbcrrdgoc/ {ehs`e rhfc gajmr kh beaw`c lhw pd{ekwapdj` fhjct

cawot* Dj fhr{ barcr/ ychyoc baj pd{ekwap fhjct lwhf a ra|dj`r abbhsj{ a{

ajt {dfc/ a{ ocar{ a{ ajt {dfc {ec gajm dr hycj/ hw hjc ear abbcrr {h {ec

gajmr A[F*

;*1> LCA[SWCR

Dj{cwcr{ hj {ec ra|dj` abbhsj{ dr kc{cwfdjck dj abbhwkajbc pd{e

kdwcb{d|cr hl {ec Wcrcw|c Gajm hl Djkda

[ec bswwcj{ dj{cwcr{ wa{c dr 2*3#

Abbhsj{ baj gc djkd|dksaoot hw nhdj{ot*

Fdjdfsf Qsaw{cwot gaoajbc hl a rycbdldb afhsj{ dr {h gc fadj{adjck

ladodj` {h pedbe a rycbdldb lccr ycw qsaw{cw ear {h gc yadk*

Abbhsj{ baj gc hycwa{ck a{ ajt gwajbe abwhrr {ec bhsj{wt*

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7; ehsw abbcrr {h thsw lsjkr |da {ec A[FR

;*7> WC[SWJ

{ec dj{cwcr{ wa{c hl ra|dj`r gajm abbhsj{ dj djkda dr 2*3# y*a* dj ra|dj`r

gajm abbhsj{/ gajm lhoohpr {ec rdfyoc dj{cwcr{ fc{ehk* {ec wa{c hl dj{cwcr{


29/88



fat beaj`c lwhf {dfc {h {dfc abbhwkdj` {h {ec wsocr hl wcrcw|c gajm hl

djkda* hjc baj pd{ekwap edr(ecw fhjct gt rsgfd{{dj` a becqsc dj {ec gajm

ajk kc{ador hl {ec abbhsj{/ d*c {ec fhjct kcyhrd{ck/ pd{ekwapj aohj` pd{e

{ec ka{cr ajk {ec gaoajbc/ dr wcbhwkck dj a yarrghhm

;*2> AK\AJ[A@CR

D{r fsbe ralcw {h mccy thsw fhjct a{ a gajm {eaj {h mccy a oaw`c afhsj{ hl

bare dj thsw ehfc* Gajm kcyhrd{r awc ladwot ralc gcbasrc gajmr awc rsgncb{

{h bhj{who hl {ec Wcrcw|c Gajm hl Djkda pd{e wcàwk {h rc|cwao yhodbt ajk

hycwa{dhjao yawafc{cwr* [ec lckcwao @h|cwjfcj{ djrswcr thsw fhjct*

Ra|dj` Gajm abbhsj{ khcr jh{ ea|c ajt lduck ycwdhk lhw kcyhrd{* [ec

kcyhrd{hw baj {amc fhjct lwhf edr abbhsj{ gt pwd{dj` a becqsc {h rhfcghkt

corc hw rsgfd{{dj` a becqsc kdwcb{ot* Jhp fhr{ hl {ec gajmr hllcw |awdhsr

labdod{dcr rsbe ar A[F bawk/ bwckd{ bawk c{b* [ewhsè kcgd{(A[F bawk hjc baj

{amc fhjct lwhf ajt hl {ec A[F bcj{wcr hl {ec yaw{dbsoaw gajm pedbe pdoo gc

hycj 7; ehswr a kat* [ewhsè bwckd{ bawk hjc baj a|ado rehyydj` labdod{dcr

lwhf ajt rehy pedbe abbcy{ {ec bwckd{ bawk* Ajk fajt hl {ec gajmr aorh

`d|c dj{cwjc{ gajmdj` labdod{t {ewhsè pd{e hjc kh {ec {wajrab{dhjr odmc

pd{ekwapaor/ kcyhrd{r/ r{a{cfcj{ hl abbhsj{ c{b*

;*;> @CJCWAO WCQSDWCFCJ[ [H HYCJ A RA\DJ@ ABBHSJ[

Djkdaj Wcrdkcj{r

JWDr

Bosgr/ Arrhbda{dhjr/ [wsr{r ajk Wc`dr{cwck Rhbdc{dcr

ESL %Edjks Sjkd|dkck Lafdot$

;*3> EHP [H HYCJ

Ra|dj`r Gajm Abbhsj{ baj gc hycjck dj {ec jafc hl aj djkd|dksao hw dj nhdj{

jafcr hl {ec kcyhrd{hwr gt ldoodj` sy {ec ayywhywda{c lhwfr* A fdjhw peh

ea|c bhfyoc{ck {cj tcawr hl a`c baj aorh hycj ajk hycwa{c {ec abbhsj{* A{

{ec {dfc hl hycjdj` aj abbhsj{ hjc fsr{ rsgfd{ {ec khbsfcj{r odmc


30/88



yeh{hbhyt hl yarryhw{ hw Cocb{hwao bawk/ Yhr{ao dkcj{dldba{dhj bawkr ar

akkwcrr ywhhl ajk {ph yarryhw{ rd~c yeh{hr*

Fhr{ gajmr aorh wcqsdwc aj dj{whksb{dhj lhw hycjdj` aj RG abbhsj{* [ec

dj{whksb{dhj fat gc hg{adjck cd{ecw lwhf aj cudr{dj` abbhsj{ ehokcw hw lwhf

a wcrycb{agoc bd{d~cj/ pcoo mjhpj {h {ec gajm/ peh rehsok jhwfaoot baoo hj

{ec gajm ajk rd`j dj {ec bhosfj rycbdaoot ywh|dkck lhw {ec yswyhrc hl

dj{whksb{dhj dj {ec abbhsj{ hycjdj` lhwf*

;* WCRCW\C GAJM HL DJKDA @SDKCODJCR

Yeh{h`wayer hl aoo ayyodbaj{%r$ ( Yhpcw hl A{{hwjct ehokcwr

YAJ ( Lhwf Jh*


31/88



BEAY[CW 3> YWHNCB[> R[SKT HL RA\DJ@ ABBHSJ[ HLRBG PD[E D[R MCT BHFYC[D[HWR AJK BSR[HFCWRSW\CT

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

3*1RA\DJ@ ABBHSJ[ DJ R[AJKAWK BEAW[CWCK GAJM

R{ajkawk Beaw{cwck Gajm ywh|dkc kdllcwcj{ {tyc hl ra|dj` abbhsj{ abbhwkdj`

{ec src hl rcw|dbc ajk bsr{hfcwr*

3*1*1> aUbcrr yosr abbhsj{

[ec R{ajkawk Beaw{cwck aUbcrr Yosr Abbhsj{ bhfcr pd{e a òhgaoot |aodk

kcgd{ & bsf & A[F bawk pedbe aoohpr bsr{hfcwr {h aUbcrr aoo R{ajkawk

Beaw{cwck Gajm A[Fr ajk ywh|dkcr djr{aj{ bare a{ aoo \dra Jc{phwm A[Fr dj

Djkda ajk agwhak* [edr abbhsj{ ywh|dkcr sjyawaoocock abbcrr {h thsw fhjct

{ewhsè a |awdc{t hl beajjcor*

Edèodè{r>&

Ba{c`hwt Wc`soaw

Fdjdfsf AQG Wr* &

LWCC Sjodfd{ck \dra A[F {wajrab{dhjr. %Bare pd{ekwapao ajk

gaoajbc cjqsdwt$

LWCC R{ajkawk Beaw{cwck Gajm gwajbe abbcrr abwhrr {ec bhsj{t

LWCC Khhwr{cy Gajmdj`

LWCC Kcfajk Kwal{r(Yat Hwkcwr %kwapj a{ RBG ohba{dhjr$

LWCC Yatagoc a{ Yaw Becqsc ghhm


32/88



Dj{cwja{dhjao Kcgd{ Bawk

Cu{cjkck Gajmdj` Ehswr

Yehjc gajmdj`/ Jc{ gajmdj`/ Fso{d&bd{t gajmdj`/ 2 RSYCW\AOSC RA\DJ@ ABBHSJ[

[ec sjdqsc Rsycw\aosc ra|dj`r abbhsj{ lwhf R{ajkawk Beaw{cwck dr ywhhl

{ea{ {ec gcr{ {edj`r dj odlc bhfc lwcc* Pd{e aj a|cwa`c qsaw{cwot gaoajbc hl

nsr{ Wr* 39/999/ ths `c{ a ehr{ hl rcw|dbcr lwhf R{ajkawk Beaw{cwck

agrhos{cot lwcc*

Rhfc lca{swcr>&

Lwcc `ohgaoot |aodk Kcgd{&bsf&A[F bawk*

Lwcc Abbcrr {h

h Lsoo rsd{c hl bhfyodfcj{awt gajmdj` rcw|dbcr djboskdj` bwckd{

bawkr/ ohaj ywhksb{r ajk bayd{ao fawmc{ rcw|dbcr*

h @ohgaoot |aodk kcgd{ bawk> Famc yswbearcr a{ h|cw 17 fdoodhj

fcwbeaj{ hs{oc{r ajk pd{ekwap bare a{ h|cw 519/999 A[Fr

phwokpdkc srdj` lsjkr lwhf thsw abbhsj{

h

Cjnht cu{cjkck Gajmdj` ehswr a{ aoo hsw gwajbecr/ ajk RycckBecqsc Bocawdj` ajk Fc{wh Bocawdj` labdod{dcr*

h Fso{dbd{t Gajmdj`> Abbcrr thsw abbhsj{ c|cj pecj ths awc hs{

hl {hpj

h 7;&ehsw gwajbecr/ 2


33/88



h Yehjc gajmdj`

h Dj{cwjc{ gajmdj`

h Lwcc Dj|cr{fcj{ Ak|drhwt Rcw|dbcr {h arrdr{ ths dj dj|cr{dj` dj

a waj`c hl fs{sao lsjkr

3*1*2> YAWD\AAW ABBHSJ[

[edr lafdot abbhsj{ aoohpr ths {h fadj{adj thsw djkd|dksao dkcj{d{t pedoc

aoohpdj` ths {h {ay thsw lafdotr ldjajbdao r{wcj`{e* Yawd|aaw dr a sjdqsc

Pcao{e Faja`cfcj{ Rhos{dhj lwhf R{ajkawk Beaw{cwck Gajm {ea{ hllcwr thsw

lafdot locudgdod{t/ bhj|cjdcjbc ajk crrcj{dao {hhor lhw pcao{e abbsfsoa{dhj

ajk ywcrcw|a{dhj*

Rhfc lca{swcr>&

Thsw lafdot baj fadj{adj djkd|dksao ra|dj`r abbhsj{r pd{e {ec gcjcld{

hl bosggdj` gaoajbcr dj `whsyck abbhsj{r*

Ajt{dfc/ ajtpecwc abbcrr {h abbhsj{r {ewhsè A[Fr/ Yehjc

Gajmdj` ajk Hjodjc Gajmdj`*

@ohgaoot |aodk A[F&bsf&kcgd{ bawk baj gc srck a{ 2/7 7&DJ&1 ABBHSJ[

[ec 7&dj&1 abbhsj{ `d|cr ths {ec labdod{t hl odjmdj` thsw lduck kcyhrd{r pd{e a

ra|dj`r hw bswwcj{ abbhsj{* Dj barc hl ajt rehw{laoo dj {ec ra|dj`r hw bswwcj{

abbhsj{/ lsjkr pdoo gc as{hfa{dbaoot rpcy{ dj lwhf {ec odjmck lduck kcyhrd{r/

{esr `d|dj` ths a bhfgdja{dhj hl gh{e odqsdkd{t ajk edècw wc{swjr*

Ajk {ea{r jh{ aoo cd{ecw* Dj barc ths jcck {h pd{ekwap afhsj{r dj cubcrr hl

pea{ dr a|adoagoc dj thsw ra|dj`r hw bswwcj{ abbhsj{/ pc pdoo gwcam thsw

kcyhrd{ lhw {ec cuab{ afhsj{ ths wcqsdwc* [ec wcr{ hl {ec kcyhrd{ bhj{djscr

cawjdj` {ec hwd`djao edè dj{cwcr{*

Rhfc lca{swcr>&

Cawj lduck kcyhrd{ dj{cwcr{ wa{cr


34/88



Cjnht {ec locudgdod{t hl a Ra|dj`r hw a Bswwcj{ Abbhsj{

@c{ a lwcc ycwrhjaod~ck becqsc ghhm ajk Kcgd{(A[F bawk

Pd{ekwap fhjct pecjc|cw ths jcck d{

Kcyhrd{ fhwc fhjct dj thsw abbhsj{ {h cawj a ed`ecw wa{c hl

Dj{cwcr{ gt yoabdj` rsgrcqscj{ kcyhrd{r

3*1*3> JH LWDOOR RA\DJ@R ABBHSJ[

Lwdoor Ra|dj`r Abbhsj{/ a Jcp abbhsj{ {h fcc{ thsw gardb gajmdj`

wcqsdwcfcj{r*

Ths baj jhp hycj aj abbhsj{ pd{e R{ajkawk Beaw{cwck Gajm/ pd{e aj

a|cwa`c qsaw{cwot gaoajbc hl ar ohp ar Wr* 739* Pea{r fhwc ths baj a|ado

hl Ajtpecwc Gajmdj`/ gt pedbe ths baj abbcrr thsw abbhsj{ lwhf ajt

gwajbe hl R{ajkawk Beaw{cwck Gajm dj Djkda*

Sjdqsc Lca{swcr>&

: Qsaw{cwot A|cwa`c Gaoajbc/ ar ohp ar Wr* 739*

: A[F bawk , Kcgd{ Bawk a|adoagoc*

: ; lwcc {wajrab{dhjr ycw fhj{e a{ ajt R{ajkawk Beaw{cwck Gajm beajjco

%Dj{cwjc{ gajmdj`/ Yehjc Gajmdj`/ A[F , Gwajbe$*

: Ajtpecwc gajmdj` Abbcrr thsw abbhsj{ lwhf ajt gwajbe hl R{ajkawk

Beaw{cwck Gajm*

: Abbcrr {h Yehjc Gajmdj` ajk Dj{cwjc{ Gajmdj`

: Lwcc Becqsc kcyhrd{ a{ ajt RBG Gwajbe hw A[F*

Cod`dgdod{t Bwd{cwda>&

[edr abbhsj{ dr a|adoagoc {h djkd|dksao Wcrdkcj{ Djkdaj bsr{hfcwr*

Abbhsj{ fat gc hycjck al{cw gcdj` ywhycwot dj{whksbck dj a fajjcw

ayywh|ck gt {ec Gajm*


35/88



3*1* aaRaaj RA\DJ@ ABBHSJ[

Sjdqsc Lca{swcr>&

Jh Fdjdfsf Gaoajbc wcqsdwcfcj{

Lwcc sjodfd{ck abbcrr {h ajt RBG gwajbe abwhrr {ec bhsj{wt lhw

Bsr{hfcw&dj&ycwrhj

Sjodfd{ck Lwcc abbcrr {h R{ajkawk Beaw{cwck Gajm A[Fr

Sy {h ; lwcc bare pd{ekwapao {wajrab{dhjr ycw fhj{e a{ h{ecw khfcr{db

\DRA A[Fr.

Jhfdjao qsaw{cwot lcc hl Wr* 199 %wc|cwrck dl {ec A|cwa`c Gaoajbc dj {ec

qsaw{cw dr Wr 19/999 hw fhwc$

H{ecw Labdod{dcr

Dj{cwja{dhjao Kcgd{ Bawk

Yehjc gajmdj`

Jc{Gajmdj`

Cu{cjkck gajmdj` ehswr.

Ohbmcw labdod{t.

Khhwr{cy gajmdj`[h hycj aj aaRaaj abbhsj{/ ths ea|c {h djd{daoot lsjk {ec abbhsj{

pd{e Wr* 19/999 %Wr* [cj [ehsrajk$

3*7> RCW\DBC BEAW@CR

Yawafc{cw( Ra|dj` Abbhsj{ aUbcrr Yosr Rsycw \aosc 7&dj&1

AQG Wr*19/999 Wr*39/999 Wr*199/999

A(b Fadj{cjajbc Beaw`cr

Dl AQG? 3/999

Dl AQG 3/999 , ?0/399

Dl AQG 0/399 , ?19/999

Dl AQG 19/999 , ?73/999

Dl AQG 73/999 , ?39/999

Dl AQG ? 199/999

1/399

1/739

039

1/739

1/739

1/739

1/999

039039


36/88


Rmtodjc Gsrdjcrr Rbehho/ @sw`ahj ]2


37/88



3*2> RBGR BHFYC[D[HWR AJK [ECDWR RA\DJ@R

ABBHSJ[

Fajt Ywd|a{c Gajm awc ywh|dkdj` {ecdw rcw|dbcr dj {ec fawmc{ rh {ecrc aoo awc

bhfyc{d{hwr hl R{ajkawk Beaw{cwck Gajm gs{ rhfc ywd|a{c Gajm awc {ec

Yhpcwlso Bhfyc{d{hwr hl R{ajkawk Beaw{cwck Gajm odmc AGJ AFWH

GAJM/ EKLB GAJM/ DBDBD GAJM rh D pdoo {amc {ecrc {ewcc gajm ar a

bhfyc{d{hwr hl R{ajkawk Beaw{cwck Gajm*

3*2*1> AGJ&AFWH GAJM

EDR[HWT

[ec hwd`dj hl AGJ AFWH Gajm baj gc {wabck {h 157; Mdj` Pdoocf&D drrsck a

whtao kcbwcc bwca{dj` {ec Jckcwoajkrbec Eajkco&Faa{rbeayydn %JEF$ pd{e{ec adf hl wc|d|dj` {wakc gc{pccj {ec Jc{ecwoajkr ajk {ec Ks{be Car{

Djkdcr* Dj 14


38/88



Bwckd{ Bawkr & abbcy{ck òhgaoot/ bwckd{ bawk yatfcj{r fakc cardcw

{ewhsè Kwhy Ghu %1099 abwhrr {ec bd{t$ rtr{cf lhw becqsc yatfcj{r*

Kcgd{ Bawkr & Abbcy{ck a{ h|cw 799/999 fcwbeaj{ ohba{dhjr lhw kdwcb{

yatfcj{r Dj Djkda ajk A[F Pd{ekwapao lwhf awhsjk 17/999 A[Fr

Sjkcw AGJ AFWH ajk Arrhbda{cr*

JWD Rcw|dbcr

Dj|cr{fcj{ Rcw|dbcr & Fs{sao Lsjkr ajk Ghjkr

RA\DJ@ ABBHSJ[ DJ AGJ&AFWH GAJM

Locu Yosr

Locu Ak|aj{a`c

Locu Ywd|doc`c

Djbcj{d|c

Lca{swcr lhw aoo %Cubcy{ Djbcj{d|c ra|dj` a(b$ AGJ&AFWH Ra|dj`

Abbhsj{ %Dj @cjcwao$

Cuycwdcjbc {ec lwcckhf hl abbcrrdj` thsw abbhsj{ lwhf ajtpecwc/

ajt{dfc*

Dj{cwja{dhjao Kcgd{ Bawk*

2 Cjnht a bsy hl lwcre bhllcc pedoc gajmdj` gc{pccj 0*29 yf

ajk 11 yf a{ hsw Gajbal*

Fhgdoc(RFR Gajmdj` & Fyhpcw

S{dod{t Yatfcj{r*

Hjodjc Wadopat Wcrcw|a{dhjr*

C& R{a{cfcj{r

Bsr{hfdrck Aocw{r

1* LOCU YOSR RA\DJ@ ABBHSJ[

[ec Locu Yosr Ra|dj`r Abbhsj{ ywh|dkcr a àfs{ hl cjeajbck rcw|dbcr/

pedoc oc{{dj` ths cjnht sjdqsc gcjcld{r* Pd{e cu{wa abbcrr ajk bhj|cjdcjbc

hl gajmdj`/ {ec Locu Yosr Ra|dj`r Abbhsj{ ab{saoot wcpawkr ths lhw srdj` d{/

{ecwcgt/ `d|dj` fhwc |aosc lhw thsw fhjct ajk {dfc*


39/88



Rhfc Akkd{dhjao Lca{swcr>&

Lwcc Yatagoc A{ Yaw Becqsc Ghhmr*

Whtao{dcr> Pecj ths hycj aj AGJ AFWH Locu Yosr Ra|dj`r

Abbhsj{/ ths as{hfa{dbaoot gcbhfc a fcfgcw hl Djkdar ldwr{ Gajmdj`

Wcpawkr Ywh`waf*

Bh&gwajkck Djkdaj Adwodjcr Kcgd{ Bawk> Lwcc fcfgcwredy {h DA Lotdj`

Wc{swjr Ywh`waf/ Lwcc sy`wakc {h gsrdjcrr boarr/ 19# kdrbhsj{ hj

wc`soaw lawcr/ 3# kdrbhsj{ hj AYCU lawcr ajk ghjsr whtao{dcr hj

{dbmc{r/ ajk fsbe fhwc* [ecrc yhpcw yabmck lca{swcr awc a|adoagoc

a{ a wc`dr{wa{dhj lcc hl Wr*244 ajk wcjcpao beaw`cr hl Wr*739 y*a*

%rcw|dbc {au cu{wa$*

Kc{ador hl Locu Yosr Ra|dj` Abbhsj{>&

Ra|dj`r Abbhsj{ Yoaj Locu Yosr

Fhj{eot Gaoajbc Wcqsdwcfcj{ Wr* 19/999 yf

Akk&hj Abbhsj{ 1 Ra|dj`r Abbhsj{ a{ a``wc`a{c

gaoajbc wcqsdwcfcj{ hl

Wr*13/999 yf

Kcgd{ Bawk Wr*159 yaDjkdaj Adwodjcr Bawk %hy{dhjao$ Wr*244 wc`dr{wa{dhj lcc - Wr*739 ya

@hok Kcgd{ Bawk %hy{dhjao$ Wr*;99 ya

S[D ajk Far{cwBawk A[Fr Lwcc Khfcr{db bare pd{ekwapao.

YHR(A[F Kadot odfd{ Wr*39/999

A{ Yaw Becqsc Ghhmr Lwcc

Bare Kcod|cwt %Wr*1/999 {h

Wr*199/999$

1 Lwcc ycw kat

Abbhsj{ R{a{cfcj{ Fhj{eot hj c&fado

Wadopat [dbmc{ Ghhmdj` Rcw|dbc Lwcc

Gdoo Yatfcj{r Lwcc

Hjodjc Gajmdj` Lwcc

.Rsgncb{ {h fadj{cjajbc hl a|cwa`c gaoajbc wcqsdwcfcj{*


40/88


Rmtodjc Gsrdjcrr Rbehho/ @sw`ahj ];9V

7* LOCU AK\AJ[A@C RA\DJ@ ABHSJ[

[ec Locu Ak|aj{a`c Ra|dj`r Abbhsj{ dr fhwc {eaj nsr{ thsw hwkdjawt

ra|dj`r abbhsj{ & d{r thsw pdjkhp {h cjkocrr ldjajbdao hyyhw{sjd{dcr* Ths `c{

cuycw{ arrdr{ajbc gt Ycwrhjao Gajmcwr peh ecoy ths famc behdbcr/ rsd{dj`

thsw ldjajbdao jcckr ajk wdrm ywhldoc* [ec abbhsj{ hllcwr ths {wajrab{dhjao

carc ajk {amcr gajmdj` {h a jcp oc|co pd{e d{r ehr{ hl yhpcwlso lca{swcr*


Jh Fdjdfsf Gaoajbc> [ec Locu Ak|aj{a`c Ra|dj`r Abbhsj{ bhfcr pd{e

a sjdqsc lca{swc* D{ oc{r ths hycwa{c thsw abbhsj{ pd{ehs{ fadj{adjdj` a

fdjdfsf gaoajbc* Lsoldo a rdfyoc bwd{cwda ajk a|ado hl {edr gcjcld{*

Ycwrhjaodrck Yatagoc a{ Yaw Becqsc Ghhmr*

Whtao{dcr hj {dbmc{r ajk fsbe fhwc* [ecrc afa~dj` gcjcld{r awc

a|adoagoc a{ a wc`dr{wa{dhj lcc hl Wr* 244 ajk wcjcpao beaw`cr hl Wr* 739

y*a*

Yswbearc hj kcgd{ bawk %A[F kadot odfd{$ Wr 39/999

Kc{ador hl Locu Ak|aj{a`c Ra|dj` Abbhsj{>&

Fhj{eot Gaoajbc Wcqsdwcfcj{ Jh fdjdfsf gaoajbc..

Kcgd{ Bawk Wr*159 y*a*

@hok Kcgd{ Bawk %hy{dhjao$ Wr*;99 y*a*

Djkdaj Adwodjcr Bawk %hy{dhjao$ Wr*244 wc`dr{wa{dhj lcc - Wr*739

y*a*

S[D Gajm(Far{cwBawk A[Fr Lwcc Khfcr{db Pd{ekwapaor..

Yswbearc hj Kcgd{ Bawk(A[F

Kadotodfd{

Wr*39/999

A{ yaw Becqsc Ghhmr Lwcc

Bare Kcod|cwt %Wr*1/999 {h

Wr*199/999$

1 Lwcc ycw kat

Abbhsj{ R{a{cfcj{ Fhj{eot hj c&fado

Wadopat [dbmc{ Ghhmdj` Rcw|dbc Lwcc

Gdoo Yatfcj{r Lwcc

Hjodjc Gajmdj` Lwcc

..Rsgncb{ {h fdjdfsf {wajrab{dhj lsoldoofcj{*


41/88



2* LOCU YWD\DOC@C RA\DJ@ ABBHSJ[

Locu Ywd|doc`c Ra|dj`r Abbhsj{ dr a {wsot sjdqsc ra|dj`r abbhsj{* Pd{e a ehr{

hl |aosc akkck lca{swcr ajk ycwrhjaodrck rcw|dbcr/ d{ dr kcrd`jck {h ba{cw {h

rsbbcrrlso djkd|dksaor odmc ths/ peh cuycb{ jh{edj` gs{ {ec gcr{*

Cu{cjk {ec ywd|doc`cr hj {edr cubosrd|c abbhsj{ {h thsw lafdot pd{e {ph

bhfyodfcj{awt ra|dj`r abbhsj{r*


Lwcc Kcfajk Kwal{r

Ycwrhjaodrck Yatagoc A{ Yaw Becqsc Ghhmr

Kwhy&Ghu Rcw|dbc

Yhw{lhodh R{a{cfcj{r

Kc{ador hl Locu Ywd|doc`c Ra|dj` Abbhsj{>&

Ra|dj`r Abbhsj{ Yoaj Locu Ywd|doc`c

Fhj{eot gaoajbc wcqsdwcfcj{ Wr*39/999 yf

Akk&hj abbhsj{ 7 ra|dj`r abbhsj{ pd{edj agh|c gaoajbc

wcqsdwcfcj{

Pcobhfc Wcpawk Yhdj{r 399 yhdj{r hj abbhsj{ ab{d|a{dhj

Kcgd{ Bawk Odlc{dfc lwcc

Djkdaj Adwodjcr Bawk %hy{dhjao$ Wr*244 wc`dr{wa{dhj lcc - Wr*739 ya

@hok Kcgd{ Bawk %hy{dhjao$ Wr*;99 ya

S[D ajk Far{cwBawk A[Fr Lwcc bare pd{ekwapao.

YHR(A[F kadot odfd{ Wr*1 oab

Kwal{r Aoo lwcc %bhjkd{dhjr ayyot$

Bare Kcod|cwt %Wr* 1/999 {h Wr*

199/999$

Sjodfd{ck

A{ yaw becqsc ghhmr Lwcc

Abbhsj{ r{a{cfcj{ Fhj{eot

Wadopat {dbmc{ ghhmdj` rcw|dbc Lwcc

Gdoo yatfcj{r Lwcc

Hjodjc gajmdj` Lwcc

.Rsgncb{ {h fadj{cjajbc hl a|cwa`c gaoajbc wcqsdwcfcj{*


42/88


43/88



[ec Ehsrdj` Kc|cohyfcj{ Ldjajbc Bhwyhwa{dhj Odfd{ck %EKLB$ par

afhj`r{ {ec ldwr{ {h wcbcd|c aj dj ywdjbdyoc ayywh|ao lwhf {ec Wcrcw|c Gajm

hl Djkda %WGD$ {h rc{ sy a gajm dj {ec ywd|a{c rcb{hw/ ar yaw{ hl {ec WGDr

odgcwaod~a{dhj hl {ec Djkdaj Gajmdj` Djksr{wt dj 144;*

Ecakqsaw{cwck dj Fsfgad/ EKLB Gajm/ ear a jc{phwm hl h|cw 321 gwajbecr

rywcak h|cw 775 bd{dcr abwhrr Djkda* Aoo gwajbecr awc odjmck hj aj hjodjc

wcao&{dfc gardr* Bsr{hfcwr dj h|cw 179 ohba{dhjr awc rcw|dbck {ewhs`e

[cocyehjc Gajmdj`* [ec Gajm aorh ear a jc{phwm hl aghs{ h|cw 193;

jc{phwmck A[Fr abwhrr {ecrc bd{dcr* EKLB Gajmr A[F jc{phwm baj gc

abbcrrck gt aoo khfcr{db ajk dj{cwja{dhjao \dra ( Far{cwBawk/ \dra Cocb{whj

( Facr{wh/ Yosr ( Bdwwsr ajk Afcwdbaj Cuywcrr Bwckd{ ( Beaw`c bawkehokcwr*

EKLB Gajm ear phj fajt apawkr lhw d{r cubcoocj{ rcw|dbc* Fanhw afhj`

{ecf awc 'Gcr{ Gajm dj Djkda' gt Ehj` Mhj`&garck Ldjajbc Arda fa`a~djc

dj 7993 ajk 'Bhfyajt hl {ec Tcaw' Apawk lhw Bhwyhwa{c Cubcoocjbc 799;&

93*

[EC YCWRHJAO GAJMDJ@ RCW\DBCR DJBOSKC

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Ohajr

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Dj|cr{fcj{r ajk Djrswajbc

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RA\DJ@ ABBHSJ[R DJ EKLB GAJM

Dj EKLB Gajm {h{ao 10 kdllcwcj{ {tycr hl abbhsj{ ea|c* Gs{ fadjot ; {tycr hl

ra|dj` abbhsj{ pc pdoo kdrbsrr ecwc* Gcbasrc h{ecw awc raoawt a(b/ mdkr a(b

c{b*

Wc`soaw Ra|dj` Abbhsj{

Ra|dj` Yosr Abbhsj{

Ra|dj` Fau Abbhsj{

Jh lwdoor Abbhsj{


44/88


Rmtodjc Gsrdjcrr Rbehho/ @swàhj ];;V

1* WC@SOAW RA\DJ@ ABBHSJ[

Lca{swcr>&

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gajmdj` jcckr jh fa{{cw pecwc ths awc ohba{ck*

Gajm bhj|cjdcj{ot pd{e labdod{dcr odmc Jc{Gajmdj` ajk FhgdocGajmdj`&

becbm thsw abbhsj{ gaoajbc/ yat s{dod{t gdoor hw r{hy becqsc yatfcj{/

{ewhsè RFR*

Jc|cw h|cwrycjk& Rehy srdj` thsw Dj{cwja{dhjao Kcgd{ Bawk {ea{ wclocb{r

{ec ab{sao gaoajbc dj thsw ra|dj`r abbhsj{*

Ycwrhjaodrck becqscr pd{e thsw jafc ywdj{ck hj cabe becqsc ocal lhw

cjeajbck rcbswd{t*

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labdod{t hj thsw abbhsj{*

2 Lwcc {wajrab{dhjr hj RGD(Ajkewa Gajm A[Fr ycw fhj{e*

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hl Wr*39/999(& ycw fhj{e*

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Lwcc Yarrghhm labdod{t a|adoagoc a{ ehfc gwajbe lhw abbhsj{ ehokcwr

%djkd|dksaor$*

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7* RA\DJ@ YOSR ABBHSJ[

Lca{swcr>&

Fdjdfsf Gaoajbc wcqsdwck 3/999

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gajmdj` jcckr jh fa{{cw pecwc ths awc ohba{ck*

7 Lwcc {wajrab{dhjr hj RGD(Ajkewa Gajm A[Fr ycw fhj{e*

2 Lwcc {wajrab{dhjr hj ajt h{ecw Gajmr A[F ycw fhj{e*

Lwcc Dj{cwja{dhjao Kcgd{ Bawk lhw aoo abbhsj{ ehokcwr lhw odlc {dfc hl {ec

abbhsj{*


45/88



Lwcc Yatagoc a{ Yaw %YAY$ becqscghhm pd{ehs{ ajt sra`c beaw`cr sy{h

a odfd{ hl 39/999 ycw fhj{e*

Lwcc Kcfajk Kwal{r hj EKLB Gajm ohba{dhjr/ sy{h a odfd{ hl 73/999(& ycw

kat*

Lwcc GdooYat , Djr{aAocw{r lhw aoo abbhsj{ ehokcwr lhw odlc{dfc hl {ec

abbhsj{*

Lwcc Cocb{whjdb Lsjkr [wajrlcw labdod{t/ Jc{Gajmdj`/ YehjcGajmdj` ,

FhgdocGajmdj`*

Rycbdao wcoa{dhjredy kdrbhsj{ hj yswbearc hl @hok Gawr*

73#&hll hj {ec Ohbmcw wcj{ao lhw {ec 1r{ tcaw %hjot$*

Dj{cwbd{t Gajmdj` ( Fso{d&bd{t Gajmdj`*

Lwcc Yarrghhm labdod{t a|adoagoc a{ ehfc gwajbe lhw abbhsj{ ehokcwr

%djkd|dksaor$*


2* RA\DJ@ FAU ABBHSJ[

Lca{swcr>&

Lwcc sjodfd{ck {wajrab{dhjr> Bare pd{ekwapao ajk gaoajbc cjqsdwt/ a{ aoo

EKLB Gajm A[Fr , hj ajt h{ecw Gajmr A[F srdj` thsw EKLB Gajm

Kcgd{ Bawk*

Lwcc @hok Kcgd{ Bawk lhw ywdfawt abbhsj{ ehokcw lhw odlc{dfc hl {ec

abbhsj{* @hok Kcgd{ Bawk lhw h{ecw abbhsj{ ehokcwr a{ Wr 739(& y*a*

Lwcc Phfajr Ak|aj{a`c(Dj{cwja{dhjao Kcgd{ Bawk lhw aoo abbhsj{ ehokcwr

lhw odlc{dfc hl {ec abbhsj{*

Lwcc Yatagoc&a{&Yaw %YAY$ becqscghhm/ pd{ehs{ ajt sra`c beaw`cr sy{h

a odfd{ hl 1 oab ycw fhj{e*

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kat a{ ehfc gwajbe*

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Wr 39/999(& ycw kat lwcc* Agh|c Wr 39/999 a beaw`c hl Wr 7*49 ycw

{ehsrajk hj {ec lsoo afhsj{ phsok gc ayyodbagoc*

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{ec {ewcrehok hl Wr*39/999(&* Dj {ec c|cj{ hl {ec gaoajbc dj Ra|dj`rFau


46/88


Rmtodjc Gsrdjcrr Rbehho/ @sw`ahj ];&

Abbcrr a pdkc jc{phwm hl gwajbecr ajk h|cw a {ehsrajk A[Fr

abwhrr {ec bhsj{wt {h fcc{ aoo thsw gajmdj` jcckr*

Gajm bhj|cjdcj{ot pd{e labdod{dcr odmc Lwcc Jc{Gajmdj` ajk

FhgdocGajmdj`*

Src {ec Lwcc Cocb{whjdb Lsjkr [wajrlcw %CL[$ labdod{t {h {wajrlcw lsjkr

lwhf thsw EKLB Gajm abbhsj{ {h aj abbhsj{ dj ajh{ecw Gajm a{ {ec

ohba{dhjr ar rycbdldck gt WGD*

Cjnht Lwcc D\W garck Yehjc Gajmdj`* %A`cj{ arrdr{ck baoor pdoo gc

beaw`ck$

@c{ Lwcc Qsaw{cwot Abbhsj{ R{a{cfcj{r*

Abbcrr thsw abbhsj{ {ewhs`e a Lwcc A[F Bawk*

Cjnht lwcc Bare Kcyhrd{r a{ Gwajbe(A[F* 4 Lwcc Bare pd{ekwapaor ycw Qsaw{cw a{ Gwajbe ajk EKLB Gajm

A[Fr*

Dj{cwja{dhjao Kcgd{ Bawk a|adoagoc hjot hj wcqscr{ a{ {ec gwajbe I

Wr* 199(& y*a* lhw cabe ayyodbaj{*


47/88



Ldwr{ Becqscghhm bhjrdr{dj` hl 73 oca|cr lwcc ajk rsgrcqscj{

becqsc ghhmr {h gc beaw`ck a{ {ec wa{c hl Wr 3(& ycw becqsc ocal*

[amc ak|aj{a`c hl Gdoo Yat/ aj djr{aj{ rhos{dhj {h aoo thsw lwcqscj{

s{dod{t gdoo yatfcj{r* Djr{wsb{ lhw yatfcj{ h|cw {ec yehjc hw {ewhs`e

{ec Dj{cwjc{*

Cjnht Djr{aoocwr |da c&fador hw RFR a{ jhfdjao beaw`cr*

A|ado labdod{dcr odmc Ralc Kcyhrd{ Ohbmcw/ Rpccy&Dj ajk Rsycw Ra|cw hj

thsw abbhsj{*


3*2*2> DBDBD %[ec Djksr{wdao Bwckd{ ajk Dj|cr{fcj{ Bhwyhwa{dhj hl Djkda

Odfd{ck Gajm$

EDR[HWT

DBDBD Gajm dr Djkdar rcbhjk&oaw`cr{ gajm* [ec Gajm ear a jc{phwm hl aghs{

302 gwajbecr ajk cu{cjrdhj bhsj{cwr ajk h|cw 7/999 A[Fr* DBDBD Gajm par

hwd`djaoot ywhfh{ck dj 144; gt DBDBD Odfd{ck/ aj Djkdaj ldjajbdao djr{d{s{dhj/

ajk par d{r pehoot&hpjck rsgrdkdawt*

DBDBD par lhwfck dj 1433 a{ {ec djd{da{d|c hl {ec Phwok Gajm/ {ec @h|cwjfcj{

hl Djkda ajk wcywcrcj{a{d|cr hl Djkdaj djksr{wt* [ec hgncb{d|c par {h bwca{c a

kc|cohyfcj{ ldjajbdao djr{d{s{dhj lhw ywh|dkdj` fckdsf&{cwf ajk ohj`&{cwf

ywhncb{ ldjajbdj` {h Djkdaj gsrdjcrrcr*

Dj {ec 1449r/ DBDBD {wajrlhwfck d{r gsrdjcrr lwhf a kc|cohyfcj{ ldjajbdao

djr{d{s{dhj hllcwdj` hjot ywhncb{ ldjajbc {h a kd|cwrdldck ldjajbdao rcw|dbcr

`whsy hllcwdj` a pdkc |awdc{t hl ywhksb{r ajk rcw|dbcr/ gh{e kdwcb{ot ajk

{ewhs`e a jsfgcw hl rsgrdkdawdcr ajk alldoda{cr odmc Bd{dgajm*

Dj 1444/ DBDBD gcbhfc {ec ldwr{ Djkdaj bhfyajt ajk {ec ldwr{ gajm hw ldjajbdao

djr{d{s{dhj lwhf jhj&Nayaj Arda {h gc odr{ck hj {ec JTRC* Dj 7991/ DBDBD

gajm abqsdwck Gajm hl FakswaOdfd{ck*

DBDBD Gajm rc{ sy d{r dj{cwja{dhjao gajmdj` `whsy dj ldrbao 7997 {h ba{cw {h {ec

bwhrr ghwkcw jcckr hl bodcj{r ajk oc|cwa`c hj d{r khfcr{db gajmdj` r{wcj`{er

{h hllcw ywhksb{r dj{cwja{dhjaoot* DBDBD Gajm bswwcj{ot ear rsgrdkdawdcr dj {ec


48/88



Sjd{ck Mdj`khf/ Bajaka ajk Wsrrda/ gwajbecr dj Rdjàyhwc ajk Gaewadj

ajk wcywcrcj{a{d|c hlldbcr dj {ec Sjd{ck R{a{cr/ Bedja/ Sjd{ck Awag Cfdwa{cr/

Gajòakcre ajk Rhs{e Alwdba*

[hkat/ DBDBD Gajm hllcwr a pdkc waj`c hl gajmdj` ywhksb{r ajk ldjajbdao

rcw|dbcr {h bhwyhwa{c ajk wc{ado bsr{hfcwr {ewhsè a |awdc{t hl kcod|cwt

beajjcor ajk {ewhsè d{r rycbdaodrck rsgrdkdawdcr ajk alldoda{cr dj {ec awcar

hl dj|cr{fcj{ gajmdj`/ odlc ajk jhj&odlc djrswajbc/ |cj{swc bayd{ao ajk arrc{

faja`cfcj{*

[EC YCWRHJAO GAJMDJ@ RCW\DBCR DJBOSKC>

Kcyhrd{r> kcyhrd{r dj{h ra|dj`r abbhsj{/ lduck kcyhrd{r/ rcbswd{t

kcyhrd{r ajk wcbswwdj` kcyhrd{r* Ohajr> ehfc ohajr/ baw ohajr/ ycwrhjao ohajr/ ohajr aàdjr{ ywhycw{t/

`hok ajk rcbswd{dcr gcrdkcr fsbe h{ecw rycbdao ldjajbdao arrdr{ajbc

lhw wswao ajk djksr{wdao src*

Dj|cr{fcj{r> ghjkr/ fs{sao lsjkr/ Rcjdhw bd{d~cjr ra|dj`r ajk Yswc

@hok*

Djrswajbc> ehfc/ |cedboc ajk ecao{e djrswajbc*

Lhwcd`j Cubeaj`c Rcw|dbcr

Kcfa{ Ajk Bwckd{ Rcw|dbcr

Pcao{e Faja`cfcj{

Ywd|a{c Gamdj`

Hjodjc Gajmdj` Rcw|dbcr

RA\DJ@ ABBHSJ[ DJ DBDBD GAJM

DBDBD gajm hllcwr 4 kdllcwcj{ {tycr hl Ra|dj` Abbhsj{* Pc kdrbsrr ecwc fadj

; {tycr hl ra|dj` abbhsj{r*

Ra|dj` abbhsj{

Rycbdao Ra|dj` Abbhsj{

Ychyocr Ra|dj` Abbhsj{

Jh Lwdoo Abbhsj{


49/88



1* RA\DJ@ ABBHSJ[

Lca{swcr

[ec DBDBD Gajm Dj{cwja{dhjao kcgd{ bawk dr a kcgd{&bsf&A[F bawk

ywh|dkdj` ths pd{e {ec bhj|cjdcjbc hl abbcy{ajbc a{ fcwbeaj{

cr{agodrefcj{r ajk bare pd{ekwapaor a{ A[Fr*

[ec jcu{ {dfc ths paj{ {h pd{ekwap bare lwhf thsw DBDBD Gajm

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Gajm A[F&bsf&Kcgd{ bawk lhw lwcc* [ec agh|c gcjcld{ dr a|adoagoc {h

djkd|dksao khfcr{db Ra|dj`r Abbhsj{ ehokcwr hj fadj{cjajbc hl a

qsaw{cwot a|cwa`c gaoajbc hl fhwc {eaj Wr*19/ 999 dj {ec ra|dj`r

abbhsj{ dj a qsaw{cw* [ec agh|c gcjcld{ baj gc a|adock dj {ec rafc

qsaw{cw*

Fhjct Fso{dyodcw Labdod{t

Dj{cwjc{ Gajmdj` dr hllcwck lwcc hl bhr{*

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pd{ekwap hw kcyhrd{ bare sy{h a odfd{ hl Wr*39/999 abwhrr aoo DBDBD

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{h lduck kcyhrd{ abbhsj{r a{ wc`soaw dj{cw|aor*

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[tyc hl Abbhsj{ Gaoajbc

Ra|dj`r Abbhsj{ Wr 19/999 dj fc{wh ajk swgaj

ohba{dhjr

Wr*3/999 dj Rcfd swgaj awcar


50/88



Jhj&fadj{cjajbc hl {ec fdjdfsf a|cwa`c qsaw{cwot gaoajbc a{{wab{r

a lcc hl Wr 039 ycw qsaw{cw*

7* YCHYOCR RA\DJ@ ABBHSJ[

Lca{swcr

A ra|dj`r abbhsj{ lwhf DBDBD Gajma|adoagoc hjot {ewhs`e hsw Wswao

gwajbecr*

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Jh ajjsao lccr*

Sjodfd{ck {wajrab{dhjr a{ {ec garc gwajbe pecwc ths ea|c hycjck

thsw abbhsj{*

Dj{cwjc{/ Yehjc ajk Fhgdoc gajmdj`lwcc hl bhr{*

2* RSYCW RA\DJ@ ABBHSJ[

Lca{swcr

Hycwa{dj` abbhsj{ pd{e lwcc fso{d bd{t becqscghhm labdod{t*

Fhjct Fso{dyodcw Labdod{t

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ajk kh jh{ ywcrbwdgc ajt fdjdfsf gaoajbc wcqsdwcfcj{* Dj h{ecwphwkr/ {ecwc dr jh ycjao{t lhw jhj&fadj{cjajbc hl fdjdfsf gaoajbcr

dj {ec abbhsj{r*

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Lwcc fhj{eot abbhsj{ r{a{cfcj{r

Djpawk wcfd{{ajbc {ewhs`e Fhjct7Djkda lhw LBWA ayywh|ck {wsr{r

;* JH LWDOO ABBHSJ[

[ec qsaw{cwot a|cwa`c gaoajbc wcqsdwcfcj{ lhw {edr abbhsj{ dr jdo

Lwcc DBDBD Gajm \DRA kcgd{ bawk

Hjc becqscghhm hl 73 oca|cr ycw ajjsf lwcc*


51/88



Dj{cwjc{ Gajmdj` dr jh{ a|adoagoc*

Fhgdoc Gajmdj` dr jh{ a|adoagoc*

Abbcrr {h aoo DBDBD Gajm A[Fr lwcc

Aoo ajtpecwc gajmdj` {wajrab{dhj beaw`cagoc a{ jhwfao beaw`cr ar

ysgodreck lwhf {dfc {h {dfc

Dj{cwcr{ yatagoc eaol tcawot*


52/88



LD@SWCR*1

BHFYAWDRHJ HL \AWDHSR

GAJMR RCW\DBC AJK BEAW@CR

PD[E R[AJKAWK BEAW[CWCK

GAJM


53/88


54/88



15@hok Kcgd{ bawk%Ycwtcaw$ 044 ;99 399

14 Ohr{ Bawk wc&drrsc

%a$ A[F Bawk 199 799 199

%g$ Kcgd{ bawk 799 799 199

%b$ @hok Kcgd{ bawk 044 399

79 Fajsao bare pd{ekwapao

%a$ pd{edj Djkda 199

%g$ hs{rdkc Djkda 139

71 Wcyoabcfcj{ hl Ydj Lwcc 73 73

77 Abbhsj{ bohrswc 399 39 399 199

72 R{hy Yatfcj{

%a$ Rdj`oc becqsc 199 199 199 39

%g$ waj`c hl becqscr 799 199 199 199

7; Becqsc wc{swj

%a$drrsck gt bsr{hfcw 299 239 239 239

%g$kcyhrd{ck gtbsr{hfcw 199 199 199 199

%b $ Lhwcd`j bswwcjbtbecqscr

139-h{ecwgajmrbeaw`cr

173-beaw`cr 799


55/88



3*;> RA\DJ@ ABBHSJ[ YH[CJ[DAO RSW\CT

A rsw|ct par gcdj` bhjksb{ck ar a yaw{ hl ywhncb{ dj Kcoed JBW wc`dhj ajk

{h ajaotrc {ec fawmc{ yh{cj{dao hl ra|dj` abbhsj{ rycbdaoot RGBr ra|dj`

abbhsj{ dj bhfyawdrhj {h h{ecw gajmr* [ec {h{ao rafyoc rd~c hl {ec rsw|ct dr

299*

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[h mjhp {ec bsr{hfcwr dj{cwcr{r dj ra|dj` abbhsj{

[h mjhp {ec ywcrcj{ rbcjawdh hl ra|dj` abbhsj{

[h mjhp pea{r {ec rcw|dbc labdod{t bsr{hfcw paj{*

[h mjhp {ec ehp fsbe bsr{hfcwr paj{ {h fhwc labdod{dcr dj srdj`

gajm abbhsj{

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gajm/ dl tcr {ecj pea{ dr {ec wcarhj gcedjk d{*

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[ec wcrcawbe fc{ehkhoh`t bhjrdr{ck hl {ph yearcr* Yearc hjc bhjrdr{ck hl

ka{a bhoocb{dhj* D{ djboskck ywdfawt ka{a bhoocb{dhj ar pcoo ar rcbhjkawt ka{a

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qscr{dhjjadwc* Rcbhjkawt ka{a bhoocb{dhj bhjrdr{ck hl ka{a bhoocb{dhj lwhf

%hj odjc Rsw|ct/ Dj{cwjc{ ajk ghhmr$*

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Rafyoc rd~c hl rsw|ct dr 299 rh d{ dr |cwt oaw`c rh {h bhfyoc{c {edr rsw|ct D

kcbdkc {h bhjksb{dj` {ph pat hl rsw|ct>

1* Ldcok Rsw|ct

7* HjOdjc Rsw|ct


56/88




57/88



3*;*;> WCRSO[ AJK AJAOTRDR

LCFAOC \R FAOC

Faoc \r Lcfaoc

79

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bhfyc{d{d|c cwa phwok awc òhgaodrck* Ksc {h òhgaodra{dhj c|cwt ycwrhj

paj{r {h gc lar{cr{* R{ajkawk Beaw{cwck Gajm aorh paj{r {h gc jh* 1

{ewhsè {ec hllcw fhwc ajk fhwc rcw|dbcr*

D lhsjk {ea{ {ec yh{cj{dao hl ra|dj` abbhsj{ dr fhwc {eaj bswwcj{ abbhsj{*

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fhr{ ywhgagot ychyoc ea|c a ra|dj` abbhsj{* Ychyoc odmc ra|dj` abbhsj{

gcbasrc d{r rcw|dbc awc gcjcldbdawt ajk ksc {h bhfyc{d{dhj fhwc rcw|dbcr

hllcwck gt {ec gajmr*

D aorh lhsjk {ea{ ychyoc paj{r {h rpd{becr {ec gajmr pecj D radk pet awc

ths paj{ rpd{be {ecj rhfc awc `h lhw Gwajk jafc/ rhfc lhw rcw|dbc ajk

rhfc lhw jcp lca{swcr odmc fhgdoc gajmdj`/ khhwr{cy gajmdj`/ lwcc

{wajrab{dhj dj ajt A[F c{b*

D lhsjk {ea{ ychyoc fhwc ca`cw aghs{ gajmdj` rcw|dbc pea{c|cw gajm

beaw`cr lhw rcw|dbcr* Ar D aowcakt radk {ea{ ychyoc ea|c jh{ fsbe {dfc*

Rehp {ect s{dodrc oa{cr{ rcw|dbc pedbe ywh|dkck gt {ec gajmr* Dj fcaj

pedoc ychyoc aorh `h lhw {ec gwajk jafc gcbasrc {ect paj{ {h rehp {ecdw

r{ajkawk*

Oar{ gs{ jh{ ocar{ D lhsjk {ea{ a`c `whsy 79&29 , 29&;9tcawr ychyoc

fhwc bhjrbdhsr aghs{ A[F Jc{phwm/ Gajmdj` Rcw|dbcr ajk Gwajk jafc*


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[ec rcw|dbc ywh|dkck gt r{awdè{7gajm khcr hllcw {ec fadj wcqsdwcfcj{r

hl {ec bsr{hfcwr lhw pedbe {ect |drd{ hw baoo {ec gwajbe*

Bsr{hfcwr pcwc jh{ apawc {ea{ {ec rcw|dbc par a lwcc hjc/ {edr dr bocaw

{ea{ aofhr{ aoo {ec a{{wdgs{cr hl {ec rcw|dbcr awc la|hwagoc {h {ec

bsr{hfcwr r{doo bsr{hfcwr awc jh{ srdj` {ec rcw|dbc ajk awc jh{ c|cj

apawc hl d{*

Aofhr{ aoo bsr{hfcwr hjbc cksba{ck aghs{ {ec rcw|dbc wcakdot cjwhoock lhw

d{ pecwcar a fcwc yhw{dhj kdk jh{ {wsr{ {ec gajm ajk {ehsè{ {ea{ {ec

gajm phsok ea|c rhfc edkkcj beaw`cr {ea{ {ect awc jh{ ys{{dj` lhwpawk*

Fajt bodcj{r peh cjwhoock lhw {ec r{awdè{7gajm rcw|dbc phsok ea|c

ywhgocfr srdj` d{ ar {ec kwhy ghucr awc jh{ r{wa{c`dbaoot yoabck fajt

awcar kh jh{ c|cj ea|c kwhy ghu labdod{t= R{ajkawk beac{cwck Gajm fsr{

ohhm dj{h {ec yhodbdcr hl djr{aoodj` {ec kwhy ghu* [ect rehsok arrd`j d{ {h

{ec wc`dhjao hlldbc hw aoohp gwajbecr {h ys{ sy ghucr pecwc {ec gwajbe

{edjmr d{ phsok gc hy{dfaoot s{dod~ck jh fa{{cw pedbe awca hl {ec bd{t ar hl

jhp {ea{ gwajbecr awc aoohpck {h ys{ sy kwhy ghucr dj a wakdsr pedbe

laoor dj bohrc gt awcar {h {ec gwajbe* A bsr{hfcw peh od|cr bohrc gt {h {ec

gwajbe phsok jh{ src {edr rcw|dbc pecwcar bsr{hfcwr peh awc law hl

wcqsdwc {ec rcw|dbc/ ehpc|cw {ec gwajbe bajjh{ ywh|dkc {ecf pd{e {ec

labdod{t ar {ect bajjh{ djr{aoo {ec ghucr dj {ea{ awca ajk d{ dr {ec ks{t hl

{ec ohbao gwajbe hl {ea{ awca {h ys{ sy ghucr pedbe dr jh{ eayycjdj` {ect

eawkot mjhp pecwc bsr{hfcwr hl {ec h{ecw gwajbe awc ohba{ck*


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WCBHFFCJKA[DHJR

Pc rs``cr{ lhoohpdj` fcarswcr/ pedbe R{ajkawk beaw{cwck Gajm bhsok {amc

rh ar {h {amc hj eca|t bhfyc{d{dhj lwhf d{r Bhfyc{d{hwr>

[h dkcj{dlt wc`dhjr pecwc ywhfh{dhjr awc wcqsdwck* RBG oabmr |drdgdod{t dj

pcr{cwj wc`dhj pecwc ar d{ dr a pcoo mjhpj jafc dj pcr{cwj wc`dhj* C|cj

{ecj/ d{r ywhfh{dhjao bafyad`j lhbsrcr hj pcr{cwj wc`dhj pecwc ar

jhw{ecwj wc`dhj dr r{doo pad{dj` lhw ywhfh{dhjao bafyad`jr*

[wt {h wcksbc bhr{/ rh {ea{ gcjcld{r baj gc yarrck hj {h bsr{hfcwr*

Rcjdhw faja`cwr a{ RBG mccy hj {coodj` {ea{ d{ dr kdlldbso{ {h wcksbc bhr{/

gcbasrc hl rcw|dbcr pc ywh|dkc* Gs{ {ec lab{ dr/ Djkda gcdj` a ywdbc

rcjrd{d|c fawmc{= ychyoc a{ {dfcr `h lhw fhjc{awt gcjcld{r wa{ecw {eaj lhw

ohj`&{cwf jhj& fhjc{awt gcjcld{r*

Dl beaw`cr baj{ gc wcksbck gcbasrc hl bhr{r dj|ho|ck/ famc {ec rcw|dbcr

bsr{hfd~ck/ rh {ea{ rcw|dbcr awc ywh|dkck {h hjot {ehrc bsr{hfcwr peh

awc pdoodj` {h yat {ec ywdbc lhw rcw|dbcr {ect awc `c{{dj` ajk oc{ {ec h{ecw

bsr{hfcwr cjnht bhr{r gcjcld{r pd{ehs{ `c{{dj` rcw|dbcr*

RBG rehsok ywh|dkc bhfyc{d{d|c ywdbcr ar jhpakatr a oh{ gsrdjcrr dr

gcdj` abqsdwck gt EKLB gajm ajk DBDBD gajm ajk RBG dr labdj` a oh{

bhfyc{d{dhj lwhf {ecrc gajmr*


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RBG rehsok bhj{ab{ pd{e {ecdw bodcj{r wc`soawot lhw mjhpdj` {ec ywhgocfr

labck gt {ecf* [edr pdoo ecoy RBG dj ywh|dkdj` gcr{ rcw|dbcr {h

bsr{hfcwr* [edr pdoo wcrso{ dj akkd{dhjao bsr{hfcw garc gt `c{{dj` lsw{ecw

wclcwcjbcr lwhf ra{drldck bodcj{r*

RBG rehsok ywh|dkc a rcyawa{c wcoa{dhjredyr faja`cw peh rehsok gc

odagoc {h eajkoc aoo {ec jcckr hl {ec bodcj{ ar {ec bodcj{r ecwc awc gd`

bhwyhwa{c `daj{r*

RBG rehsok lhbsr hj `c{{dj` {ec gsrdjcrr h{ecw gsrdjcrr bodcj{r h{ecw

{eaj d{r cudr{dj` bsr{hfcwr ar d{ phsok ecoy {ecf {h djbwcarc {ecdw

gsrdjcrr hyyhw{sjd{dcr*


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standard charerted bank

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