18th Annual Report - NICA

1
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tyf ^& j6f P6LPd ;]jf ;~rfngdf /x]sf 5g\ .
lg/fzfhgs cy{tGq, Go"g shf{sf] dfu, clws
t/ntf / 36\bf] Jofhb/ cGt/ cflb sfod /x]sf]
cj:yfdf ePsf] ;+ljwfg hf/L, ljsf;f]Gd'v ah]6 /
nufgLstf{df b]lvPsf] dgf]an j[l4nfO{ /fhgLlts
l:y/tfsf nflu cfjZos ;+s]t tyf o;n] b]zsf]
cfly{s j[lb4/df lb3{sfnLg 6]jf lbg] ck]Iff ug{
;lsG5 . ;~rfns ;ldlt ;b}j ahf/sf] kl/l:ylt
cg's'n a+}ssf] pRr sfo{ ;Dkfbgdf lg/Gt/ b[9

?kdf nfUg]5 / a+}s k|lts'n kl/l:yltsf afah'b
klg lg/Gt/ cl3 a9\g]df ljZj:t /x]sf] 5 .
cfb/0fLo z]o/wgL dxfg'efjx?n] lg/Gt/ ?kdf
k|bfg ug{'ePsf] ;xof]u tyf dfu{bz{gsf] nflu
;~rfns ;ldltsf] tkm{af6 Pj+ d]/f] JolQmut
tj/af6 xflb{s wGojfb JoQm ug{ rfxG5' .
xfd|f u|fxs dxfg'efjx?n] xfdL dfly ug{'ePsf]
lg/Gt/ ljZjf;sf nflu ;d]t xflb{s s[t1tf
JoQm ug{ rfxG5' h;sf] ;xof]u lagf xfdL cfh
h'g cj:yfdf 5f+}, k'Ug ;Sb}g lyof+} . To;}u/L,
a+}snfO{ lg/Gt/ ;xof]u tyf ;xsfo{sf nflu
g]kfn ;/sf/, g]kfn /fi6 a+}s, g]kfn lwtf]kq
af]8{, sDkgL /lhi6f/ sfof{no tyf g]kfn :6s
PS;r]~h nufotsf lgsfox? k|lt xflb{s
wGojfb tyf s[t1tf 1fkg ug{ rfxG5' . cGTodf,
a+}ssf] o; pTs[i6 sfo{ ;Dkfbgdf ;f}xfb| Pj+
k|lta4 of]ubfgsf nflu a+}ssf] Joj:yfkg Pj+
;d:t sd{rf/Lx?nfO{ wGojfb 1fkg ug{ rfxG5' .
wGojfb
hubLz k|;fb cu|jfn

cWoIf
10
;~rfns ;ldltsf] k|ltj]bg
11
k|d'v sfo{sf/L
clws[tHo"sf] dGtJo
sf= d'= k|d'v sfo{sf/L clws[tHo"sf] dGtJo
o; a+}sn] cfly{s jif{ @)&!&@ df

lgIf]k / shf{df s|dzM !( / !^ k|ltztsf]
pT;fxhgs j[l4 xfl;n u/]sf] 5 . a+}ssf]
v'b gfkmf ?=^*=)# s/f]8 /x]sf] 5 . ;6xL
36a9 cfDbfgL, sldzg tyf cGo ;~rfng
cfDbfgL h:tf u}x| sf]ifdf cfwfl/t cfDbfgLdf
pT;fxhgs j[l4sf afah'b klg 36\bf] v'b
Jofhb/ cGt/ tyf a9\bf] ;~rfng vr{sf
sf/0f a+}ssf] v'b d'gfkmfdf ut jif{sf]
t'ngfdf !* k|ltztn] x|f; cfPsf] 5 . oBlk,
ljBdfg lg/Gt/ sfod /x]sf] /fhgLlts
cl:y/tf, cg'k]lIft gLlt, lg/fzfhgs
cfly{s j[l4, clws t/ntfsf sf/0f, a+}s
tyf ljQLo If]qdf kg]{ yk ahf/ hf]lvd tyf
sf]if Joj:yfkgsf r'gf}tLx? sfod /x]sf]
k|lts"n cj:yfdf a+}sn] xfl;n u/]sf] glthf
;Gtf]ifhgs /x]sf] hfgsf/L u/fpg rfxG5' .
xfn b]zdf ljBdfg cfly{s ultljlwsf]
;':tkg tyf shf{sf] 36\bf] dfusf sf/0f
vr{ Go"lgs/0f tyf pTkfbsTj j[l4df o;
a+}sn] hf]8 lbPsf] 5 .
;dLIff cjlwdf
?=@%=%( tyf
k|ltzt /x]sf] 5
cfFs8fdf s|dzM
/x]sf] 5 .
a+}ssf] cfDbfgL k|lt z]o/

:jkF"hLdf k|ltkmn !#=)%
eg] a+}ls If]qsf] cf};t oL
?=@&=)$ / !&=(! k|ltzt
o; a+}sn] ;b}j cfgf] kF"hLut IfdtfnfO{

dha't /fVb} lgodgsf/L lgsfo g]kfn /fi6
a+}sn] tf]s]sf] Go"gtd kF"hL kof{Kttf cg'kft
!) k|ltzteGbf a9L kF"hL kof{Kttf cg'kft
sfod /fVb} cfPsf]] 5 . cfly{s jif{ @)&!&@
df a+}ssf] kF"hL kof{Kttf cg'kft !@=$(
k|ltzt /x]sf] 5 . o:tf] dha't kF"hLut
Ifdtfsf] cfwf/n] a+}ssf] Joj;fo j[l4
ug]{ Ifdtf tyf ultlzn jftfj/0fsf sf/0f
pTkGg x'g ;Sg] csNkgLo tyf cg'k]lIft
cfGtl/s tyf jfXo r'gf}tL tyf kl/l:yltx?
;fdgf ug{ o; a+}snfO{ ;Ifd agfPsf] 5 .
;dLIff jif{df b]zn] lg/Gt/ clws t/ntf,
36\bf] shf{sf] dfu, nufgLsf] nflu pko'Qm
jftfj/0fsf] sdL tyf Go'g k|ltkmn
12
h:tf ;d:ofx? ef]Ug' kof] . rf}yf] q}dfl;sdf

Joj;fonfO{ k|lts"n c;/ kfg]{ u/L a}zfv !@,
@)&@ df cfPsf] ljgfzsf/L dxfe"sDk tyf
To; kl5sf lg/Gt/ k/fsDkx?n] b]zsf] cfly{s
jftfj/0fnfO{ yk c;/ kfof] . cl3Nnf] cfly{s
jif{df !$=$ k|ltztn] j[l4 ePsf] shf{df ;dLIff
jif{df !&=% k|ltztn] j[l4 eO{ shf{sf] dfudf
;fdfGo ;'wf/ ePsf] b]lvPsf] 5 . clws t/ntfsf]
cj:yfdf ck]lIft ;'wf/ gcfpFbf / sdhf]/ shf{sf]
dfun] ubf{ shf{ Joj;fodf yk bjfj l;h{gf
eO{ shf{sf] Jofhb/df yk c;/ kg]{ jftfj/0fsf]
l;h{gf ePsf] / nufgLsf] jftfj/0fdf ;'wf/
cfpg] cfzf Go"g /x]sfn] rfn' cfly{s jif{nfO{ yk
r'gf}tLk"0f{ agfPsf] 5 .
g]kfnsf] ;+ljwfg @)&@ hf/L eP nuQ} b]zn] gofF
o'udf k|j]z u/]sf] tyf casf lbgdf b]zsf] k|d'v
d'2f cfly{s j[l4 tyf ljsf;df s]lGb|t /xg] ck]Iff
ul/Psf] 5 . ;dod} cfPsf] ljsf;f]Gd'v ah]6,
k'g{:yfkgf tyf k'g{lgdf{0fsf nflu ag]sf] /fli6o
k'g{lgdf{0f cfof]u cflbn] ubf{ rfn' cfly{s jif{df
b]zsf] ;a} cfly{s kIfx?nfO{ gofF ult lbO{ pRr
cfly{s j[l4sf] lbzf tkm{ cu|;/ ug]{ ck]Iff u/]sf]
5' . oBlk, ;+ljwfg lgdf{0fdf b]lvPsf c;Gt'i6
kIfsf] dfu ;Daf]wg ug]{, ;+3Lo k|b]zx?sf]
;+/rgfTds u7g, of]hgfut ?kdf kF"hLut
vr{ ug]{ Ifdtf tyf Jofks k'g{lgdf{0f tyf
k'g{:yfkgfnfO{ ult lbg] h:tf r'gf}tLx? sfod
g} /x]sf] 5 . b]zdf nfdf] ;dob]vL hf/L /x]sf]

/fhgLlts ;d:ofsf] cGTo eO{ cfly{s ljsf;
tkm{ cu|;/ x'g], k'g{lgdf{0f tyf k'g{:yfkgf sfo{
dfkm{t l;h{gf x'g] gofF Joj;fo tyf /f]huf/sf
cj;/x? sfnf] afbndf /x]sf] rfFbLsf] 3]/fsf]
?kdf b]lvPsf] 5, h;n] ;du| b]zsf] cfly{s tyf
Joj;flos cj:yfdf ;'wf/ NofO{ b]zsf] ;du|
k|ultnfO{ Ps gofF pRr j[l4sf] /]vfdf n}hfg]
ck]Iff u/]sf] 5' .
a+}s tyf ljQLo ;+:yfx?sf] kF"hLut cfwf/ ;'b[9
t'NofO{ ultzLn :yfloTj sfod ug]{ x]t'n] g]kfn
/fi6 a+}sn] cfly{s jif{ @)&@&# sf] df}lb|s gLlt
dfkm{t r'Qmf kF"hL j[l4sf] lgb]{zg hf/L u/]sf] 5
. o; cg'?k cfly{s jif{ @)&#&$ ;Dddf s
ju{sf jfl0fHo a+}sx?nfO{ cfgf] Go'gtd r'Qmf kF"hL
xfn sfod /x]sf] ?=@ ca{af6 ?=* ca{ k'ofpg
lgb]{zg hf/L ePsf] 5 . kF"hL j[l4 ug{sf nflu a+}s
tyf ljQLo ;+:yfx? Ps cfk;df ufEg] -dh{/
tyf PSo'lhzg_ tyf cGo ljsNkx? cjnDag
ug]{ ck]Iff ul/Psf] 5 . oBlk kF"hL j[l4sf nflu
k|bfg ul/Psf] b'O{ cfly{s jif{sf] cjlw clns
r'gf}tLk"0f{ /x]sf] wf/0ff 5 .
;dLIff jif{df a+}ssf] cfufdL kfFr jif{sf] nflu
b'/ufdL /0fgLlt cg'?k Strategy 2020
lnlka4 ul/Psf] 5 . o; /0fgLlt of]hgfdf
a+}sn] cfufdL kfFr jif{sf] nIo, cfsf+Iff tyf
13
pQm nIo k|flKtsf nflu a+}sn] cjnDag ug'{kg]{

sfo{ljlw tyf ;+/rgfut kl/jt{gx?nfO{ lj:t[t
?kdf th'{df ul/Psf] 5 . o; cjwf/0ff cg'?k
a+}sn] u|fxsju{sf] cg'ej tyf ;Gt'li6 xfl;n
ug]{ p2]Zosf nflu u|fxs s]lGb|t Joj;flos
of]hgf agfpg], ;"rgf k|ljlwsf] pRrtd k|of]u
u/L :jrflnt sfo{ljlw dfkm{t pGgt ;~rfng
Ifdtf clej[l4 tyf Turn Around Time nfu" ug]{
/0fgLlt clVtof/ u/]sf] 5 . o; /0fgLltn] /0fgLlt
cjlwsf] cGTo;Dddf a+}ssf] nIo cg'?k ;du|
:yfg, Joj;flos k|ltef tyf Joj;flos ;kmntf
xfl;n ug]{ ljZjf; lnPsf] 5' .
a+}sn] ;b}j ljj]szLn hf]lvd Joj:yfkg, pRr
txsf] ;+:yfut ;'zf;g, z'Go ;lxi0f'tf kfngf
;+:s[lt, k4lt / sfo{;Dkfbg k|]l/t jftfj/0fnfO{
s]Gb|laGb'df /fv]/ ;t{stfk"0f{ hf]lvd Joj:yfkgsf
k|lqmofx? ckgfPsf] 5 . o; a+}ssf ;Dk"0f{
u|fxsju{n] xfdL dfly ug'{ ePsf] ljZjf;sf]
sb/ ub}{, ;'/lIft / e/kbf]{ ;+:yf /xg]df plQs}
lhDd]jf/ / b[9 /x]sf] 5 hxfF u|fxsju{sf] lgIf]k
;'/lIft /xg] ;'lglZrttf / b[9 cfTdljZjf;sf
;fy e'QmfgL ug{ ;lsg] 5 . a+}sn] ;b}j OdfGbf/L
tyf ;Ddfgsf ;fy Jojxf/ ug'{sf ;fy} lbuf]
d'gfkmf cfh{g ug{ cfgf] hf]lvdnfO{ ;Gt'ng ug{
h?/L 5 . xfdL ;]jf k|bfg ug]{ ;+:yfsf] ?kdf
dfq geO{ Pp6f c;n ;+:yfut gful/ssf] ?kdf
;/sf/nfO{ /fh:j ltg'{sf ;fy} xfd|f] ;fdflhs
pQ/bfloTj ;+:yf Pg cfO{ ;L Plzof kmfpG8]zg

dfkm{t ;d'bfosf] a[xQ/ lxtsf nflu of]ubfg
lbFb} Ps k[ys ;+:yf aGg ;b}j k|of;/t /x]sf
5f+} .
cGTodf, ;Dk"0f{ u|fxsju{x?, lgofds lgsfox?,
;]jfk|bfoscfk'lt{stf{x?, Joj;flos k|lti7fgx?
tyf z]o/wgLx?df jxfFx?n] lg/Gt/ ?kdf k'ofpg'
ePsf] ;xof]usf nflu xflb{s wGojfb tyf
s[t1tf 1fkg ub{5' . d]/f ;Dk"0f{ ;xsdL{x?df
jxfFx?n] k'ofpg'ePsf] pNn]VfgLo k|of; tyf
pTs[i6 of]ubfg tyf ;~rfns ;ldltaf6 lg/Gt/
?kdf k|fKt ;xof]u, k|lta4tf, b"/blz{tf, e/f];f,
dfu{bz{g / xfdL k|lt bzf{pg'ePsf] ljZjf;sf
nflu klg xflb{s wGojfb 1fkg ug{ rfxG5' .
xfd|f] cg'kd ;+:sf/ sfod /xg] / cfpFbf
lbgx?df cem} kl/:s[t xF'b} hfg]5g\ tyf h:tf];'s}
r'gf}tLx?sf] ;fdgf ug{ a+}s ;Ifd /xg] Pj+
;/f]sf/jfnfx?sf] cfsf+Iff cg'?k k|ult xfl;n
ug{ ;Sg]5 eGg] d]/f] b[9 ljZjf; /x]sf] 5 .
nId0f l/;fn
sf=d'= k|d'v sfo{sf/L clws[t
14
Joj:yfkg ;ldlt
ljzfn l;Ub]n
k|aGws ljQ
;'lw/ kf08]
k|d'v ;~rfng
clws[t
lbg]z ef/L
k|d'v sfg'g tyf
sDkgL ;lrj
ljdn 8fuf
gfoj dxfk|aGws
skf]{/]6 a}+ls
nId0f l/;fn
15
k|lj0f a:g]t
k|d'v l/6]n
a}+ls
;'lht zfSo lbks 9sfn

k|aGws cfGt/Ls
k|d'v shf{
n]vfk/LIf0f
clws[t
ljgo bfxfn
k|d'v ;fgf tyf
df}nf shf{
efg' bjf8L
k|d'v dfjg
;+zfwg
/f]zg s'df/ Gof}kfg]

k|d'v hf]lvd
clws[t
16
;~rfns ;ldltsf] k|ltj]bg @)&!&@

cfb/0fLo z]o/wgL dxfg'efjx?
o; a}+ssf] c7f/f+} jflif{s ;fwf/0f ;efdf ;xefuL x'g kfNg'
ePsf]df a}+s ;+rfns ;ldltsf] tkm{af6 d oxfFx?nfO{
xflb{s :jfut tyf Gofgf] clejfbg ub{5' .
b]zdf ljBdfg /fhgLlts cGof}ntf tyf cl:y/tf, cfly{s
r'gf}tL, clws t/ntf h:tf sl7g kl/l:ylt tyf cfly{s
jif{sf] cGTodf ut @)&@ a}zfv !@ ut] b]zn] ef]Ug' k/]sf]
ljgfzsf/L e"sDk tyf To;kl5sf lg/Gt/ k/fsDkx?n]
b]zsf] ;du| l:yltdf k|lts"n c;/ kg{ uPsf] 5 .
e"sDksf sf/0fn] ubf{ ;dLIff cjlwsf] rf}yf] q}dfl;sdf
;du| ljQLo tyf Joj;fo If]qdf lgs} g/fd|f] c;/ kof] . b]zsf]
k|If]lkt cfly{s j[l4b/ %=% k|ltztaf6 ;dLIff jif{df #=)
k|ltzt dfq j[l4 ePsf] cg'dfg /x]sf] 5 . pQm cfly{s
j[l4b/ ljut ;ft jif{otfs} Go"g j[l4b/ xf] . o; sl7g
kl/l:yltsf afah'b ;dLIff cjlwdf o; a+}sn] xfl;n
u/]sf] Joj;flos j[l4 tyf ljQLo glthf ;Gtf]ifhgs
/x]sf] hfgsf/L u/fpFb5' .
cfly{s aif{ @)&!&@ df a}+sn] u/]sf k|ultx?,
pknlAwx?, ;+rfngdf b]lvPsf r'gf}tLx? Pj\+ eljiosf
cNksfnLg tyf bL3{sfnLg of]hgfx? / ;du| a}+ls
sfo{sf] ;dLIff / k'g/fjnf]sg ug{ sDkgL P]g, @)^#,
lwtf]kq btf{ tyf lgisfzg lgodfjnL @)^%, tyf a}+s
tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] cwLgdf /xL
tof/ ul/Psf] of] k|ltj]bg ;~rfns ;ldltsf] tkm{af6
a}+ssf] c7f/f+} jflif{s ;fwf/0f ;efdf k|:t't u/]sf] 5' .
s_ cfly{s jif{ @)&!&@ sf] sf/f]jf/sf] l;+xfjnf]sg
cfly{s jif{ @)&!&@ sf] ;dLIff ubf{ a}+ssf] k|ult
;du|df lgDg cg';f/ /x]sf] 5 .
?= bz nfvdf
zLif{s

cfiff9 d;fGt cfiff9 d;fGt

j[l4
@)&@
@)&! -k|ltztdf_
r'Qmf kF"hL
lgIf]k tyf
shf{ ;fk6
s'n shf{
nufgL
s'n ;DklQ
;~rfng d'gfkmf
-;Defljt gf]S;fgL
Joj:yf cl3sf]_
v'b gfkmf
g]6 jy{ k|lt z]o/ -?_
lgis[o shf{s'n
shf{ cg'kft -_
#,^(%
%#,$$&
@,^%*
$$,(*$
#(
!(
$#,##)
#&,#)^
!^
!),!@$ ^,$*% %^
^),%!(
%!,%))
!*
!,@@(
!,$&%
-!&_
^*)
@)&
@=)&
*#@
@!!
@=##
-!*_
-@_
-!!_
;dLIff cjlwdf a+}ssf] s'n shf{ !^ k|ltztn] j[l4 eO{

?=$#=## ca{ k'u]sf] 5 eg] lgIf]k tyf shf{ ;fk6 !(
k|ltztn] j[l4 eO{ ?=%#=$% ca{ k'u]sf] 5 . o;} u/L
a+}ssf] s'n ;DklQ !* k|ltztn] j[l4 eO{ ?=^)=%@ ca{
k'u]sf] 5 .
ut jif{x?df em} b]zdf ljBdfg /fhgLlts cl:y/tf tyf
clws t/ntf, nufgLsf] nflu Go"g ;Defjgf, cToflws
k|lt:kwf{ nufot r'gf}tL sfod /xgfn] shf{ tyf lgIf]ksf]
Jofhdf rfk k/L Jofhb/sf] 36\bf] qmd o; jif{ klg
hf/L /xof] . o;} sf/0f shf{df Jofh 36\g uof] eg]
;f]xL cg'kftdf lgIf]kdf Jofh 36\g g;s]sf]n] 36\bf]
Jofhb/ cGt/ tyf a9\bf] ;~rfng vr{sf sf/0f ;dLIff
jif{df a}+sn] shf{, lgIf]k tyf cGo cfDbfgLdf a+}ls
If]qsf] cf};t j[l4b/sf] xf/fxf/Ldf j[l4 xfl;n u/] tfklg
;~rfng d'gfkmf tyf v'b d'gfkmfdf eg] s|dzM !& / !*
k|ltztn] lu/fj6 cfO{ s|dzM ? !=@# ca{ tyf ?= )=^*
ca{ sfod ePsf] 5 . ;fy}, v'b Jofh cfDbfgL tyf nufgL
tkm{sf] Jofh cfDbfgLdf ut jif{sf] t'ngfdf s|dzM !@
tyf @& k|ltztn] sdL cfPsf] 5 .
cfly{s jif{ @)&!&@ df a+}ssf]] kF"hL kof{Kttf cg'kft
!@=$( k|ltzt /x]sf] 5 . lgodgsf/L lgsfo g]kfn /fi6
a+}sn] Go"gtd kF"hL kof{Kttf cg'kft !) k|ltzt x'g'kg]{
egL tf]s]sf] 5 . ;dLIff cjlwdf a+}ssf] Go"gtd kF"hL
kof{Kttf cg'kft lgodgsf/L ;+:yfn] tf]s]sf] cg'kft
eGbf @=$( k|ltztn] a9L 5 . kF"hL kof{Kttf cg'kft
a9L x'gfn] lgIf]kstf{sf] lgIf]k ;'/lIft 5 eGg] ;sf/fTds
;Gb]z hfg'sf ;fy} a+}ssf] yk Joj;fo j[l4 ug{ ;Sg]
IfdtfnfO{ bzf{pF5 .
lgIf]k
;dLIff cjlwdf a+}ssf] s'n lgIf]k ?= %#=$% ca{ /x]sf] 5,
h'g ut cfly{s jif{sf] t'ngfdf !( k|ltztsf] j[l4 xf] . a+s
} sf]
b'/ufdL /0fgLlt cg'?k cfly{s jif{ @)&!&@ df a+}sn]
;+:yfut tyf d'2tL lgIf]ksf] lge{/tfdf sdL Nofpg' ;fy}
rfn' tyf art vftf (Current and Saving Accounts-CASA) vftf tkm{sf] lgIf]k j[l4 ug]{ /0fgLlt adf]lhd a+}sn]
art lgIf]kdf pNn]Vo j[l4 xfl;n ug{ ;kmn /x]sf] 5 .
;f]xL /0fgLlt cg';f/ a+}sn] ;dLIff cjlwdf cfgf] art
vftfdf kl/dfh{g ug{sf ;fy} gofF of]hgfx? ;d]t NofPsf]
lyof] h; sf/0f a+}sn] ut jif{sf] art vftfsf] lgIf]kdf
#@ k|ltztn] j[l4 ug{ ;kmn ePsf] 5 eg] %%,@&* gofF
art vftfx? vf]Ng ;kmn /xof] . cfufdL jif{x?df ;d]t
17
art vftf j[l4 ub}{ hfg] /0fgLltnfO{ lg/Gt/tf lbg] a+}ssf]

nIo 5 . ;dLIff cjlwdf s'n lgIf]k dWo] rfn' vftfsf]
lx:;f ^ k|ltzt /x]sf] / art, sn / d'2tL lgIf]ksf]
s|dz M @*, #) / #% k|ltzt /x]sf] 5 .
s'n nufgL dWo] ;/sf/L lan C0fkq tyf 6]h/L lan

tkm{ *& k|ltzt, z]o/ nufgL tyf Do'r'on kmG8 tkm{ #
k|ltzt / ljb]zL C0fkq tyf cGt/ a+}s shf{ ;fk6 tkm{
!) k|ltzt nufgL /x]sf] 5 .
shf{ tyf shf{ gf]S;fgL Joj:yf

cfly{s jif{ @)&!&@ df a+}ssf] s'n shf{ ut jif{sf]
t'ngfdf !^ k|ltztn] j[l4 eO{ ?=$#=## ca{ k'u]sf] 5 .
;dLIff cjlwdf a+}sn] JolQmut tyf pTkfbgd"ns ;fgf
tyf demf}nf pBf]u (Small and Medium Enterprises) sf]
If]qdf s]lGb|t shf{ k|jfx ug{ /0fgLlt cjnDag u/L pQm
shf{df cfjZos kl/dfh{g u/]sf] lyof] . ;f]xL /0fgLlt
cg'?k a+}sn] JolQmut / pTkfbgd"ns ;fgf tyf demf}nf
shf{ (Small and Medium Enterprises) df pNn]vgLo j[l4
xfl;n ug{ ;kmn ePsf] 5 .
sldzg tyf cGo ;~rfng cfDbfgL

sldzg tyf cGo ;~rfng cfDbfgLx? a+}ssf] k|d'v
cfDbfgLsf ;|f]tx? x'g\ . o; jif{ a+}ssf] sldzg tyf
cGo ;~rfng cfDbfgL ?=#(=*# s/f]8 /x]sf] 5, h'g ut
jif{sf] t'ngfdf !&=) k|ltztn] j[l4 ePsf] xf] . a+}sn]
cfh{g ug]{ v'b d'gfkmfdf sldzg tyf cGo ;~rfng
cfDbfgLsf] lx:;f a9fpg] /0fgLlt cg'?k a+}sn] ;dLIff
jif{df o; ;DaGwL s]Gb|Lt eO{ ljleGg gjLgtd ;]jf tyf
;'ljwf la:tf/ ug{sf ;fy} eO{ /x]sf ;]jfdf klg ;do
;fk]If kl/dfh{g u/]sf] 5 . ;fy} a+}sn] cfufdL jif{df ;d]t
sldzg tyf cGo ;~rfng cfDbfgLdf j[l4 ub}{ hfg]
/0fgLlt th{'df u/]sf] 5 .
;f] cjlwdf JolQmut shf{ tkm{ #& k|ltztn], ;fgf

tyf demf}nf shf{df @$ k|ltztn] tyf ljkGg ju{ shf{
!& k|ltztn] j[l4 ePsf] 5 . o;}u/L a+}ssf] /0fgLlts
of]hgf cg'?k g} skf]{/]6 shf{ @ k|ltztn] 36]sf] 5 .
a+}sn] cfufdL jif{df ;d]t JolQmut tyf pTkfbgd"ns
;fgf tyf demf}nf shf{nfO{ yk ;/nLs[t agfpg'sf ;fy}
u|fxssf] dfu klxrfg u/L gofF shf{ of]hgfx? NofO{ pQm
shf{df j[l4 ug]{ tyf JolQmut, pTkfbgd'ns ;fgf tyf
demf}nf shf{ / cGo shf{sf] cg'kft &)M#) sfod ug]{
/0fgLlt lnPsf] 5 . ;f] of]hgf cGtu{t shf{af6 pTkGg
x'g] hf]lvddf sdL tyf Jofhb/ cGt/df klg ;'wf/ cfpg]
laZjf; a+}sn] lnPsf] 5 .
;dLIff jif{df a+}ssf] s'n shf{ gf]S;fgL Joj:yf ?= !=!(
ca{ /x]sf] 5 . o; cfly{s jif{df ?=#^=)! s/f]8 shf{
gf]S;fgL Joj:yf vr{sf] ?kdf n]lvPsf] 5 / gf]S;fgL
Joj:yfaf6 ?=!%=%@ s/f]8 /sd lkmtf{ ePsf] 5 . s'n
shf{ gf]S;fgL Joj:yf s'n v/fa shf{sf] !#@ k|ltzt
/x]sf] 5 . ut jif{ @=## k|ltzt /x]sf] s'n v/fa shf{ /
s'n shf{sf] cg'kftdf o; jif{ pNn]vgLo ;'wf/ eO{ @=)&
k|ltzt sfod ePsf] 5 . o; a+}sn] lnPsf] shf{ /0fgLlt
cg'?k pQm shf{df cfufdL jif{x?df s|lds ;'wf/ cfpg]
ck]Iff u/]sf 5f+} .
nufgL
a+}sn] o; jif{ nufgLdf pRr j[l4 xfl;n u/]sf] 5 .
;dLIff cjlwdf a+}ssf] s'n nufgL ?=!)=!@ ca{ /x]sf] 5,
h'g ut jif{sf] t'ngfdf %^ k|ltztsf] j[l4 xf] . o; jif{
a+}sn] cfgf] lgIf]k tyf nufgLsf] plrt Joj:yfkgsf
nflu ljutdf nufgL u/]sf If]q afx]s yk gfkmfd'ns
If]qsf] klxrfg u/L cfgf] nufgL a9fpg] /0fgLlt
cjnDag u/]sf] 5 . pQm /0fgLlt cg';f/ a+}ssf] nufgLsf]
bfo/f km/flsnf] eO{ hf]lvd sd x'g] tyf d'gfkmfdf ;d]t
ck]lIft j[l4 x'g] laZjf; a+}sn] lnPsf] 5 .
;6xL 36a9 cfDbfgL

;dLIff jif{df a+}ssf] ;6xL 36a9 cfDbfgL ?= !@=^$
s/f]8 /x]sf] 5 h'g ut jif{sf] t'ngfdf @% k|ltztn] j[l4
ePsf] xf] . a+}ssf] ;6xL 36a9 cfDbfgLdf u/]sf] j[l4
a+}ls If]qsf] cf};t ;6xL 36a9 cfDbfgL @!=) k|ltzt
eGbf a9L /x]sf] 5 .
v'b Jofh cfDbfgL
shf{ tyf lgIf]k Jofhb/ 36\bf] qmddf /x] klg shf{sf]
Jofhb/sf] t'ngfdf lgIf]k Jofhb/ ;f]xL cg'kftdf
g36\gfn] a+}ssf] Jofhb/ cGt/df k|lts'n c;/ k/L
;dLIff jif{df v'b Jofh cfDbfgL ut jif{sf] t'ngfdf !@
k|ltztn] 36L ?=!=%* ca{ sfod /x]sf] 5 . ut jif{ shf{
tyf nufgLsf] cf};t k|ltkmn !)=$% k|ltzt /x]sf]df
;dLIff cjlwdf @=!$ k|ltztsf] ef/L lu/fj6 cfO{ *=#!
k|ltzt sfod ePsf] 5 . To:t} u/L lgIf]k tyf ;fk6Lsf]
cf};t nfut %=(( k|ltztaf6 lu/fj6 cfO{ %=!@ k|ltzt
/x]sf] 5 .
v'b Jofh cfDbfgLdf j[l4sf nflu a+}sn] cfufdL jif{ lgIf]k
cGtu{t rfn' tyf art vftf (Current and Saving Accounts- CASA) df j[l4 ug]{ / shf{ cGtu{t JolQmut
tyf ;fgf demf}nf shf{df j[l4 ub{} hfg] /0fgLlt cjnDag
u/]sf] 5 . art vftfdf t'ngfTds ?kdf d'2tL vftfdf
eGbf Jofh b/ sd x'g] / JolQmut, ;fgf tyf demf}nf
shf{df skf]{/]6 shf{df eGbf t'ngfTds ?kdf k|ltkmn
pRr x'g] ePsf]n] v'b Jofh cfDbfgLdf j[l4 x'g] o; a+}sn]
ck]Iff u/]sf] 5 .
cGo ;~rfng vr{
;dLIff jif{df a+}ssf] cGo ;~rfng vr{ !$ k|ltztn]
j[l4 eO{ ?=*&=#^ s/f]8 k'u]sf] 5 . ut jif{df ljleGg
zfvf tyf skf]{/]6 sfof{nodf bIf hgzlQmsf] dfu eP
18
adf]lhd sd{rf/Lsf] ;+Vofdf ePsf] j[l4n] ubf{ sd{rf/L

vr{df j[l4 ePsf] xf] . ;fy} cfly{s jif{ @)&)&! df
lj:tf/ u/]sf !$ gofF zfvfsf] ;Dk"0f{ jif{sf] ;~rfng
nfutn] ubf{ ut jif{sf] t'ngfdf cGo ;~rfng vr{df
j[l4 ePsf] 5 .
gfkmfgf]S;fg af8kmf8 ljj/0f
a+}sn] o; cfly{s jif{df ?=^*=)# s/f]8 v'b d'gfkmf cfh{g
u/]sf] 5 / o; d'gfkmfsf] afF8kmfF8 ljj/0f lgDg cg';f/
/x]sf] 5 .
?= bz nfvdf
ljj/0f
o; jif{
ut jif{
;l~rt d'gfkmf
!&)=&! #=&*
o; jif{sf] v'b gfkmf
^*)=#@ *#!=%(
k'h
F L ;dfof]hg sf]ifaf6 /sdfGt/

@))
:yug s/ hu]8f
#=@%
!=$#
nufgL ;dfof]hg sf]ifaf6 /sdfGt/

kFh
' L sf]ifaf6 /sdfGt/
$%!=(!
z]o/ lk|ldodaf6 /sdfGt/

^&=*#
hDdf
!,#&$=)# !,)#^=*)
afF8kmfF8 M
;fwf/0f hu]8f sf]if
!#^=)^ !^^=#@
;6xL 36a9 sf]if

^=#)
PgcfO{;L aG8 @)&&
&!=$#
lkmtf{ hu]8f sf]if

:yug s/ hu]8f

nufgL ;dfof]hg sf]if

#$=@)
z]o/wgLx?nfO{ nfef+zsf]
!,!#@=#$ *^$=!*
?kdf afF8g ldNg] /sd
k|:tfljt gub nfef+z
%$=%^ #$^=&#
k|:tfljt af]g; z]o/
!,)#^=&# #$^=&#
;l~rt d'gfkmf
$!=)$ !&)=&!
kh
" L kof{Kttf ljj/0f
lgodgsf/L lgsfo g]kfn /fi6 a+}sn] Go"gtd kF"hL kof{Kttf
cg'kft !) k|ltzt x'g'kg]{ egL tf]s]sf]df a+}ssf] ;dLIff
cjlwdf kF"hL kof{Kttf cg'kft @=$( k|ltztn] a9L /x]sf]
5 . ;dLIff jif{df a+}ssf] s'n k|fylds kF"hL ?= %=!! ca{
/x]sf] 5 eg] s'n kF"hL sf]if ?= ^=)^ ca{ -?= )=(% ca{
k'/s k'FhL ;lxt_ /x]sf] 5 .
-v_ /fli6o tyf cGt/f{li6o kl/l:yltaf6 sDkgLsf]
sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/,
ljZj cy{tGq
;g\ @)!% df ljsl;t d'n'sx?sf] cfly{s ultljlwdf
;'wf/ x'g] / pbLodfg Pj+ ljsf;zLn d'n'sx?sf] cfly{s
ultljlwdf s]xL ;+s'rg cfpg] b]lvPsf] 5 . cGt/f{li6o

d'b|fsf]ifn] h'nfO{ @)!% df hf/L u/]sf] World Economic
Outlook sf cg';f/ ljZjsf] cfly{s j[l4 b/ ;g\ @)!$
df #=$ k|ltzt /x]sf]df ;g\ @)!% df #=# k|ltzt /xg]
k|If]k0f 5 . ;+o'Qm /fHo cd]l/sfsf] cfly{s j[l4b/ ;g\
@)!$ df @=$ k|ltzt /x]sf]df ;g\ @)!% df @=% k|ltzt
/xg] k|If]k0f 5 . To;}u/L, ;g\ @)!% df o'/f] If]q Pj+
hfkfgsf] cy{tGq s|dzM !=% k|ltzt / )=* k|ltztn]
j[l4 x'g] k|If]k0f 5 . ;g\ @)!$ df o'/f] If]qsf] cy{tGq
)=* k|ltztn] j[l4 ePsf] lyof] eg] hfkfgsf] cfly{s
j[l4b/ )=! k|ltztn] C0ffTds /x]sf] lyof] .
cGt/f{li6o d'b|f sf]ifsf cg';f/ ;g\ @)!$ df pbLodfg
Pj+ ljsf;zLn d'n'sx?sf] cy{tGq $=^ k|ltztn] la:tf/
ePsf]df ;g\ @)!% df To;df s]xL ;+s'rg cfO{ $=@
k|ltztn] j[l4 x'g] k|If]k0f /x]sf] 5 . To;}u/L, ;g\ @)!%
df Go"g cfo ePsf d'n'sx?sf] cfly{s j[l4b/df ;d]t
;+s'rg cfpg] b]lvG5 . oL d'n'sx?sf] cfly{s j[l4b/
;g\ @)!$ df ^=) k|ltzt /x]sf]df ;g\ @)!% df %=!
k|ltzt /xg] sf]ifn] hgfPsf] 5 . l5d]sL d'n'sx? ef/t /
rLgsf] cfly{s j[l4b/ ;g\ @)!% df s|dzM &=% k|ltzt
/ ^=* k|ltzt /xg] sf]ifsf] k|If]k0f 5 . ;g\ @)!$ df
oL d'n'sx?sf] cfly{s j[l4b/ s|dzM &=# k|ltzt / &=$
k|ltzt /x]sf] lyof] . ;g\ @)!$ df #=@ k|ltztn] j[l4
ePsf] ljZj Jofkf/ ;g\ @)!% df $=! k|ltztn] j[l4 x'g]
sf]ifsf] k|If]k0f 5 .
k]6f]lnod kbfy{sf] d'Nodf cfPsf] lu/fj6sf ;fy} cfGtl/s
dfu sdhf]/ /x]sf]n] ;g\ @)!% df ljsl;t d'n'sx?sf]
d'b|f:k|mLlt 36\g] b]lvG5 . oL d'n'sx?df ;g\ @)!$ df
!=$ k|ltzt sfod /x]sf] d'b|f:k|mLlt b/ ;g\ @)!% df
z'Go k|ltzt /xg] sf]ifsf] k|If]k0f 5 . ;g\ @)!$ df
pbLodfg Pj+ ljsf;zLn d'ns
' x?sf] d'bf| :k|mLlt %=! k|ltzt
/x]sf]df ;g\ @)!% df %=% k|ltzt /xg] k|If]k0f 5 .
cGt/f{li6o d'b|f sf]ifsf] clk|n @)!% sf] k|If]k0f cg';f/
;g\ @)!% df l5d]sL d'n's ef/tsf] d'b|f:k|mLlt b/ ^=!
k|ltzt / rLgsf] d'b|f:k|mLlt b/ !=@ k|ltzt /xg] b]lvG5 .
->f]tM g]kfn /fi6 a}+sf/f hf/L ul/Psf] cfly{s jif{
@)&@&# sf] df}lb|s gLltdf cfwfl/t_
b]zsf] cfly{s cj:yf
cfly{s jif{ @)&!&@ sf] s]Gb|Lo tYof ljefusf]
k|f/lDes cg'dfg cg';f/ b]zsf] s'n u|fx{:Yo pTkfbg
j[l4 b/ cfwf/e"t d'No (Basic Price) df ;dLIff jif{df
cl3Nnf] cfly{s jif{sf] %=! k|ltztsf] t'ngfdf #=) k|ltzt
/x]sf] cg'dfg 5 . To;} u/L pTkfbssf] d'No (Producers Price) df s'n u|fx{:Yo pTkfbg j[l4 b/ cl3Nnf]
jif{sf] %=$ k|ltztsf] t'ngfdf ;dLIff jif{df #=$ k|ltzt
/x]sf] cg'dfg 5 . ;dLIff jif{df dg;'g l9nf z'? x'g'sf
;fy} ldlt @)&@ a}zfv !@ ut] cfPsf] dxfe'sDk tyf
tTkZrft cfPsf k/fsDkx?sf] sf/0f cy{tGqsf ;du|
19
If]qx?df gsf/fTds c;/ k/]sf]n] cfly{s j[l4 b/ Go'g

/xg uPsf] xf] .
/fli6o of]hgf cfof]uaf6 k|sflzt ljkb\kl5sf] cfjZostf
cfFsng k|ltj]bg cg';f/ e'sDkn] cy{tGqdf sl/a ?=&)^
ca{sf] Iflt kf/]sf] 5 . pQm Iflt dWo] ;fdflhs If]qdf
%&=* k|ltzt, pTkfbgd"ns If]qdf @%=@ k|ltzt, k"jf{wf/
If]qdf (=% k|ltzt / afFsL &=% k|ltzt cGo If]qdf /x]sf]
5 . of] gf]S;fgL cfly{s jif{ @)&!&@ sf] s'n u|fx:y
pTkfbgsf] Ps ltxfO{ x'g cfpF5 . of] Ifltn] s'n u|fx:y
pTkfbgdf ?=#^ ca{sf] gf]S;fgL kg{ uO{ ;du| cfly{s
j[l4b/ sl/a !=^ k|ltzt laGb'n] ;+s'rg ePsf] 5 .
cfly{s jif{ @)&!&@ df jflif{s cf};t pkef]Qmf d'b|f:k|mLlt
&=@ k|ltzt /x]sf] 5, h'g kl5Nnf] cfly{s jif{ @)&)&!
df (=! k|ltzt lyof] . cfly{s jif{ @)&!&@ df jflif{s
cf};t /fli6o yf]s d'No ;"rsf kl5Nnf] cfly{s jif{sf]
cf};t /fli6o yf]s d'No ;"rsf eGbf ^=! k|ltztn] j[l4
ePsf] 5 .
cfly{s jif{ @)&!&@ df j}b]lzs Jofkf/ tkm{ j:t'
lgof{tdf sdL cfPsf] t/ j:t' cfoftdf j[l4 ePsf] sf/0f
Jofkf/ 3f6f s]xL a9\g uPsf] 5 . ;dLIff jif{sf] cGTolt/
d'n'sdf cfPsf] ljgfzsf/L e"sDksf] sf/0f cfoftdf s]xL
;+s'rg cfPsf]n] Jofkf/ 3f6f sd b/n] la:tf/ ePsf] 5 .
cl3Nnf] jif{ !(=^ k|ltztn] a9]sf] lgof{t ;dLIff jif{df
&=# k|ltztn] 36\g uO{ =*% ca{ #@ s/f]8df ;Lldt
ePsf] 5 . cl3Nnf] jif{ =(! ca{ (( s/f]8sf] lgof{t
ePsf] lyof] . ;dLIff jif{df ef/t, rLg tyf cGo
d'n'stkm{sf] lgof{t 36]sf] sf/0f ;du| lgof{tdf x|f;
cfPsf] xf] . ;dLIff jif{df s'n j:t' cfoft *=$ k|ltztn]
a9]/ =&&$ ca{ ^* s/f]8 k'u]sf] 5 . cl3Nnf] jif{ o:tf]
cfoft @*=# k|ltztn] j[l4 eO{ =&!$ ca{ #& s/f]8
k'u]sf] lyof] .
cfly{s jif{ @)&!&@ df ;du| zf]wgfGt/ l:ylt
xfn;Dds} pRr cyf{t ?= !$$ ca{ *% s/f]8n] artdf
/x]sf] 5 . cl3Nnf] jif{ ?=!@& ca{ !# s/f]8n] zf]wgfGt/
artdf /x]sf] lyof] . ;dLIff jif{df cd]l/sL 8n/df
zf]wgfGt/ jrt ! ca{ $# s/f]8 8n/ /x]sf] 5 h'g
cl3Nnf] jif{ ! ca{ @( s/f]8 8n/ /x]sf] lyof] . vf;u/L
ljk]|if0f cfk|jfx / cg'bfgdf ePsf] pNn]Vo j[l4sf sf/0f
;dLIff jif{df rfn' vftf art cl3Nnf] jif{sf] t'ngfdf
pRr /x]sf] xf] .
->f]tM g]kfn /fi6 a}+sf/f hf/L ul/Psf] b]zsf] jt{dfg
cfly{s l:ylt, cfly{s jif{ @)&!&@ sf] aflif{s tYofdf
cfwfl/t_
ljQLo If]qsf] cj:yf
cfly{s jif{ @)&!&@ df a}+s tyf ljQLo ;+:yfxsf]
lgIf]k kl/rfng @)=! k|ltzt -?=@*@ ca{ ^ s/f]8_ n]
a9]sf] 5 . cl3NNff] jif{ lgIf]k kl/rfng !*=$ k|ltzt

-?=@!* ca{ ^* s/f]8_ n] a9]sf] lyof] . ;dLIff jif{df
afl0fHo a}+s, ljsf; a}+sx?sf] lgIf]k qmdz M @!=$ k|ltzt
/ !%=@ k|ltztn] a9]sf]] 5 t/ ljQ sDkgLxsf] lgIf]k )=^
k|ltztn] 36]sf] 5 . cl3Nnf] jif{ jfl0fHo a}+s, lasf;
a}+s / ljQ sDkgLx?sf] lgIf]k qmdzM !&=*, @(=! / %=&
k|ltztn] a9]sf] lyof] .
cfly{s jif{ @)&!&@ df a}+s tyf ljQLo ;+:yfx?sf]
shf{ tyf nufgL !&=% k|ltzt -?=@@( ca{ #) s/f]8_
n] a9]sf] 5 . cl3Nnf] jif{ o:tf] shf{ tyf nufgL !$=$
k|ltzt -?=!^% ca{ $* s/f]8_ n] a9]sf] lyof] . ;dLIff
cjlwdf afl0fHo a}+s, ljsf; a}+s / ljQ sDkgLx?sf]
shf{ tyf nufgL qmdzM !*=* k|ltzt, !#=% k|ltzt
/ )=# k|ltztn] a9]sf] 5 . ;dLIff cjlwdf a+}s tyf
ljQLo ;+:yfx?af6 lghL If]qdf k|jflxt shf{ !(=*
k|ltzt -?=@@! ca{ ^! s/f]8_ n] a9]sf] 5 . cl3Nnf] jif{
o:tf] shf{ !*=& k|ltzt -?=!&^ ca{ !$ s/f]8_ n] a9]sf]
lyof] . ;dLIff jif{df lghL If]qtk{m k|jflxt shf{dWo] jfl0fHo
a}s
+ , ljsf; a}+s / ljQ sDkgLx?sf] shf{ k|jfx qmdzM
@@=) k|ltzt, !^=) k|ltzt / )=$ k|ltztn] a9]sf] 5 .
;dLIff cjlwdf g]kfn /fi6 a}saf6 Ohfhtkq k|fKt #)
j6f jfl0fHo a}+sx?, &^ j6f ljsf; a}+sx?, $* j6f ljQ
;+:yfx? / #( n3' ljQ ljsf; a+}s /x]sf 5g\ .
->f]tM g]kfn /fi6 a}+sf/f hf/L ul/Psf] b]zsf] jt{dfg
cfly{s l:ylt, cfly{s jif{ @)&!&@ sf] aflif{s tYofdf
cfwfl/t_
-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn' jif{sf]
pknlAw / eljiodf ug'{ kg]{ s'/fsf] ;DaGwdf ;~rfns
;ldltsf] wf/0ff,
ldlt @)&@ cfiff9 d;fGtkl5 a}+ssf] lxtnfO{ tflTjs
c;/ kg]{ s'g} klg 36gf /x]sf] 5}g .
rfn' cfly{s jif{sf] # dlxgfsf] cj:yf ut jif{sf] ;f]xL
cjlw;Fu t'ngf ubf{ lgDg cg'?k /x]sf] 5 .
zLif{s

;~rfng d'gfkmf
-;Defljt gf]S;fgL
Joj:yf cl3sf]_
s'n lgIf]k
s'n shf{ ;fk6
cflZjg
d;fGt @)&@
cflZjg
d;fGt @)&!
j[l4
-k|ltztdf_
@&%
#@@
-!$_
%#,*%$
$%,#(&
$^,**%
#*,%@%
!%
!*
a+s
} sf] rfn' cfly{s jif{sf] tLg dlxgfdf lgIf]k tyf shf{df
ePsf] ;Gtf]ifhgs j[l4 ePsf] 5 . b]zsf] ;du| cfly{s l:ylt,
/fhgLlts cl:y/tf, a9\bf] k|lt:kwf{, k|lts'n t/ntfsf]
l:ylt, 36\bf] Jofhb/ cGt/, ;Lldt nufgLsf] ;Defjgfn]
ubf{ cfufdL lbgx? ;d]t a+s
} sf] nflu lgs} r'gf}tLk"0f{ /xg]
20
b]lvPsf] 5 . a+s
} n] oL ;a} r'gf}tLx?nfO{ s'zntfk'js
{ ;fdgf
ub{} hfg]df ;~rfns ;ldlt ljZj:t 5 .
O{G6/g]6 a}ls ;]jf, df]afO{n a+}ls ;]jf, ladf ;'ljwfsf

cGo ;'ljwfx? Kffpg] 5g\ .
zfvf lj:tf/
;dLIff jif{df a+}sn] gofF zfvf la:tf/ u/]sf] 5}g .
a}sn] rfn' cfly{s jif{df bz j6f gofF zfvf la:tf/
ug]{ / ;f]xL cg'kftdf ATM yk ug]{ nIo /fv]sf] 5 . ;fy}
a+}sn] cfufdL cfly{s jif{x?df yk bz j6fsf b/n]
zfvf la:tf/ ug]{ nIo /fv]sf] 5 . o;/L la:tfl/t zfvf
;~hfnn] b]zsf] ;'ud If]qdf dfq geO{ b'u{d If]qdf
;d]t a+}ls ;'ljwfsf] kxF'r k'Ug] / g]kfn ;/sf/n]
cjnDag u/]sf] Financial Inclusiveness Program df
;d]t 6]jf k'Ug] a+}ssf] 7x/ 5 .
#= ;fgf tyf demf}nf shf{sf] ;/nLs/0f

;]jf la:tf/nfO{ dWogh/ ub}{ a+}sn] o; jif{df ;fgf tyf
demf}nf shf{sf] sfo{ljlwdf kl/dfh{g u/]sf] 5 . JolQmut
/ ;fgf tyf demf}nf shf{df j[l4 ug]{ /0fgLlt cg'?k
a+}sn] pQm shf{nfO{ yk ;/nLs/0f ug{ cfjZos kl/dfh{g
u/]sf] xf] . kl/dflh{t sfo{ljlwn] shf{sf] ;Dk"0f{ k|lqmof
;/n x'g'sf ;fy} l56f] 5l/tf] ?kdf sfo{;Dkfbg eO{
u|fxssf] laZjf; lhTg ;kmn ePsf] 5 .
la:tfl/t zfvf ;~hfnn] a+}ssf] /0fgLlt cg';f/ ahf/

la:tf/ tyf Joj;fodf j[l4 x'g] ck]Iff u/]sf 5f+} .
;]jf lj:tf/
a+}sn] ;bf em} ;do ;fk]If cfkm\gf ;]jfu|fxLsf] dfu
adf]lhd gofF tyf kl/dflh{t ;]jfx? ;~rfngdf NofPsf]
5 . a}s
+ n] u|fxssf] rfxgf cg'?k u|fxsju{ ;dIf
gjLgtd, e/kbf]{ tyf u'0f:t/Lo ;]jf k|bfg ub}+ cfO/x]sf]
5 . o;sf] lgldQ k|ljlwdf eO/x]sf] ljsf;, u|fxsju{sf]
cfjZostf, Jofkf/ Joj;fodf ePsf kl/jt{g
cfjZostf l;h{gf cflb kIfx?sf] d'Nofg u/L cfkm\gf]
hgzlQmnfO{ ;Ifd agfp+b} pkef]Qmf ju{nfO{ ;do ;fk]If
;]jf k|bfg ug{sf] lgldQ a}+sn] cg';Gwfg tyf ljsf;sf]
lg/Gt/tfnfO{ ;+:yfsf] Ps ljlzi6 kIfsf] ?kdf u|x0f
u/]sf] 5 . u|fxs ;]jfdf ;'wf/ Nofpgsf] lgldQ hgzlQm
tyf k|ljlwdf a}+sn] clwstd nufgL ub{} cfPsf] 5 .
;dLIff jif{df a+}sn] NofPsf] gofF tyf kl/dflh{t ;]jfx?
lgDg cg';f/ /x]sf 5g\ .
!= z]o/ ;'ljwf art vftf
;]jfu|fxLsf] cfjZostf klxrfg u/L gjLg ;]jfsf
cjwf/0ffx? ljsf; ug]{ qmddf ;dLIff cjlwdf a}+sn]
z]o/ ;'ljwf jrt vftf lgIf]k jrt of]hgf NofPsf]
5 . of] of]hgf cGtu{t g]kfn :6s PS;r]~hdf ;"rLs[t
;+:yfsf z]o/wgLx?n] vftf vf]nL lgz'Ns gub nfef+z
;+sng / lgz'Ns l8Dof6 vftf h:tf cToGt nfebfoL
;'ljwfx? k|fKt ug{ ;Sg] 5g\ . xfn} nfu" ePsf] z]o/ vl/b
tyf las|L ug{sf nflu z]o/x? clgjfo{ ?kdf cef}tLs/0f
ug{'kg]{ gofF Joj:yf adf]lhd u|fxsx? o; of]hgf tkm{
cfs{lift x'g] ljZjf; u/]sf 5f+} . ;fy} o; vftfdf cfsif{s
Jofhb/, lgz'Ns P;Pd\P; a+}ls tyf cGo ;'ljwfx?
;d]t pknAw 5g\ .
@= lzIff sf]if Kn; vftf
a+}ssf] ;]jf la:tf/ ug]{ s|ddf lzIff sf]if Kn; vftf k'g
;~rfngdf NofPsf] 5 . of] of]hgf d]6nfO{km O{G:of]/]G;;Fusf]
;xsfo{df k'g ;~rfngdf NofPsf] xf] . a+}sn] cfgf]
art lgIf]kdf j[l4 ug]{ /0fgLlt adf]lhd cfjZos
kl/dfh{g ;lxt yk cfs{ifs ;'ljwf ;lxtsf] of] art
of]hgf ;~rfngdf NofPsf] xf] . of] of]hgf cGtu{t
vftf vf]Nbf u|fxsx?n] cfs{ifs Jofh b/sf ;fy} lgz'Ns
$= gofF of]hgf
a+}sn] rfn' jif{df s|]l86 sf8{sf] ;]jf ;~rfngdf Nofpg]
;f]r /fv]sf] 5 . o;sf nflu cfjZos kxn z'? eO{;s]sf]
hfgsf/L u/fpg rfxG5f+} . ;fy} cfpFbf lbgdf ;d]t o:t}
;do ;fk]If tyf k|ljlw pGd'v ;]jf dfkm{t u|fxsju{sf]
a+}ls ;]jf ;'ljwfsf] cjwf/0ffnfO{ gofF cfofd lbg] k|of;
ug]{5f+} .
k|ljlw ljsf; tyf ;"rgf Joj:yfkg k|ljlw
a}+sn] ljutsf jif{x?df h:t} gljgtd k|ljlw cfTd;ft
ub}{ o; k|ljlwsf] o'udf cfkm'nfO{ cu|0fL e"ldsfdf /fVg]
k|oTg u/]sf] 5 . a}+sn] cfkm\gf ;a} zfvfx?df Optical Fiber / Wireless sf] k|of]uf/f Real Time df lx;fa
lstfa /fVg] Joj:yf ldnfPsf] 5 . h;n] Data Redundancy, Data Error h:tf ;d:ofx?nfO{ x6fO{ ;"rgf
rflxPsf] a]nfdf ;lhn} pknAw u/fpFb5 .
;fy} a}+ssf b}lgs sfdx?nfO{ k|ljlw pGd'v tyf :t/Lo
agfpgsf] lgldQ ljsl;t Izone2 nfO{ yk ;/n /
k|efjsf/L agfPsf] 5 . Izone2 a}+ssf sd{rf/Lx?sf] dfq
kxF'rdf /xg] cGt/fli6o :t/sf] Ps gjLg Intranet Platform xf] tyf o;sf] k|of]u4f/f a}+ssf] cfGtl/s ;+rf/,
;"rgf ;Dk|]if0f tyf sfof{no ;~rfng ;xh x'g'sf ;fy}
o;n] ubf{ ;dosf] art / u'0ffTdstf clea[l4 ePsf] 5 .
a+}sn] cfgf] ;Dk"0f{ a+}ls sfo{x?nfO{ Automation ug]{ /
sfuh /lxt sfof{no jftfj/0f agfpg] ;f]r lnPsf] 5
. a}+s cfkm\gf] ;"rgf >f]t / tYof+s k|0ffnLsf] ;'/Iffk|lt
;b}j ;+j]bgzLn 5 . a}+sn] ;"rgf k|ljlw gLlt (IT Policy) nfu" u/]sf] 5, h;n] a}+ssf] Data Centre Operation,
Hardware, Network Security tyf Computer System
;DaGwL ljifox?nfO{ a}+ssf] Internal Audit sf] lgoldt
n]vfk/LIf0fsf] cwLgdf /fVb5 . ;fy} a+}sn] xfn;fn} cfgf]
Information System Audit ;DkGg u/]sf] 5, h;n] ubf{
a+}snfO{ cfgf] ;"rgf Joj:yfkg tyf ;'/IffnfO{ yk
dha't agfPsf] 5 .
a}+ssf] ;"rgf k|ljlwnfO{ ;do;fk]If Pj+ cTofw'lgs
agfpFb} n}hfg] qmddf ;~rfngdf /x]sf] Oracle Software
tyf Finacle Core Banking Software sf] ;d]t cfufdL
lbgx?df :t/f]Gglt (version upgrade) ub}{ nfg] of]hgf
/x]sf] ;xif{ hfgsf/L u/fpFb5f} . ;fy} k|ljlw ljsf;
tyf ;"rgf Joj:yfkgsf nflu ;dLIff cjlwdf ;"rgf
k|ljlw ;DaGwL ljleGg gLltx? ;d]t hf/L u/]sf] cjut
u/fpFb5f+} .
21
dfgj ;+zfwg
a}+sn] cfkm\gf sd{rf/Lx?nfO{ ;b}j cfkm\gf] dxTjk"0f{
>f]tsf] ?kdf lnPsf] 5 . a}+ssf] a9\bf] Jofkf/ tyf Jojl:yt
zfvf lj:tf/ gLlt ;d]tsf sf/0fx?n] ubf{ of] jif{ klg
a}s
+ df sd{rf/Lx?sf] ;+Vofdf j[l ePsf] 5 . abln+bf] kl/j]z,
ultlzn cfly{s jftfj/0fdf cfkm\gf sd{rf/Lx?nfO{ ;do
;fk]If, bIf / ;Lko'Qm agfpg tyf sd{rf/Lx?sf] Ifdtf
clej[l4sf ;fy;fy} k|f]T;fxg ug{sf nflu a}+sn] ;do
;dodf ljleGg cfGtl/s tyf jfx\o tflndx? pknAw
u/fp+b} cfPsf] 5 . ;dLIff jif{df *$ j6f jfXo tyf
## j6f cfGtl/s tflndx?af6 a+}ssf] %)) eGbf a9L
sd{rf/Lx? ;xefuL eO{ pgLx?sf]] Ifdtf clej[l4 tyf
;Lk ljsf;df d2t k'u]sf] 5 .
dfgj ;+zfwgsf] ljsf;n] b}lgs sfo{df ;xof]u ug]{ dfq
geO{ a}+sdf gofF ;f]r, gof k|ljlwx? leqfpg] s'/fdf
;~rfns ;ldlt ljZj:t 5 . cfufdL jif{x?df ;d]t
sd{rf/Lx?sf] dfu tyf Ifdtf j[l4sf nflu cfjZos ;Lk
tyf 1fgsf] klxrfg u/L cfGtl/s tyf jfx\o tflndx?
lg/Gt/ ?kdf ;~rfng ul/g]5 . s'n sd{rf/Lx?sf]
;+Vof cfly{s jif{ @)&@ cfiff9 d;fGt ;Dddf &#) k'us
] f]
5 . sd{rf/Lx? jLr Ps cfk;df plrt ;dGjo tyf
;+of]hgsf] nflu cfjZos ;Dk"0f{ sbdx? rflnPsf] 5
tyf o;df sd{rf/Lx?sf] k"0f{ ;xof]u /x]sf] 5 .
-3_ sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGw,
a}+sn] cfkm\gf] Jofj;flos bfo/fnfO{ km/flsnf] kfb}{
hfgsf] nflu a}+ssf] k|ult;Fu ;/f]sf/ /fVg] ;+3 ;+:yf tyf
cf}Bf]lus Jofj;flos k|lti7fgx?;Fu ;'dw'/ ;DjGw
:yflkt u/L ;f] ;DjGwnfO{ clej[l4 ub}{ nu]sf] / ;f]
qmdnfO{ eljiodf klg lg/Gt/tf lbg] of]hgf /fv]sf] 5 . o;}
qmddf o; a}+s Nepal India Chamber of Commerce,
Forum of Nepalese Bankers, Foreign Exchange and
Money Dealers Association, Nepal Bankers' Association,
Banking Promotion Committee, Nepal Foreign Trade
Association, Nepal Institute of Company Secretaries, International Chamber of Commerce Nepal, World Bank,
International Finance Corporation, Asian Development
Bank h:tf ;+:yfx?;u cfa4 /x]sf] 5 .
-_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f,

>L nf]sdfGo uf]N5fHo"n] cfgf] JolQmut sf/0fn] ;~rfns
;ldltaf6 /flhgfdf lbg' ePsf] / pQm /flhgfdf ldlt
kf}if ^, @)&! df a;]sf] @## cf+} ;~rfns ;ldltsf]
a}7saf6 :jLs[t u/]sf] lyof] .
o; afx]s ;~rfns ;ldltdf s]xL x]/km]/ gePsf] .
;~rfns ;ldltsf] a}7s
ljBdfg P]gsf] k|fjwfg cg'?k ;~rfns ;ldltsf] a}7s
lgoldt ?kdf a:g] u/]sf] 5 . ;~rfns ;ldltsf
a}7sx?df a}+ssf k|d'v sfo{sf/L clws[t :yfoL cfdlGqt
;b:o x'g'x'G5 .
o; ;ldIff cjlwdf ;~rfns ;ldltsf] s'n @# j6f a}7s
a;]sf] 5 . a}7sdf ;~rfnsx?sf] pkl:ylt / lghx?n]
k|fKt u/]sf] eQfsf] ljj/0f lgDg cg';f/ /x]sf] 5 M
;~rfns

cWoIf >L hubLz k|;fb cu|jfn

;~rfns >L lqnf]s rGb cu|jfn
;~rfns >L t'n;L /fd cu|jfn
tTsfnLg ;~rfns
>L nf]sdfGo uf]N5f
;~rfns >L /fdrGb| ;+3O{
;~rfns >L /fh]Gb| cof{n
;~rfns >L lj/]Gb| s'df/ ;+3O{
;~rfns >L ljgf]b s'df/ Kofs'/n
]
;~rfns >L u0f]z dfg >]i7
>L ;lzg hf]zL, tTsfnLg
k|dv
' sfo{sf/L clws[t
>L nId0f l/;fn,

sf=d'= k|dv
' sfo{sf/L clws[t
;~rfns ;ldltsf] a}7s

a}7s ;+Vof a}7s eQf ?=
@#
@)
@#
&
@,@^,)))
!,&),)))
@,)^,)))
%$,)))
!( !,^),)))
@! !,&(,)))
!) &$,)))
!^ !,#*,)))
@# !,**,)))
!(
@)
-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx

b]zsf] ;du| cfly{s l:ylt, /fhg}lts t/ntf Pj+ ;Lldt
nufgLsf cj;/x?, Aofhb/ cGt/sf] Joj:yfkg, ljB't
cfk"lt{df s6f}tL rfn' jif{df klg r'gf}tLsf ?kdf /xg]
5g\ . ;fy}, a9\bf] k|lt:kwf{ Pj+ bIf hgzlQmsf] cefjn]
yk r'gf}tLx? ylk/x]sf 5g\ . gofF k|ljlw pGd'v ;]jf tyf
gjLgtd of]hgfsf] a9\bf] dfunfO{ a}+sn] cj;/sf] ?kdf
lnPsf] 5 .
oL r'gf}tL / cj;/x?nfO{ Wofgdf /fVb} a}+sn] cfkm\gf]
;]jfsf] bfo/f tyf u'0f:t/ j[l ub}{ n}hfg], yk gjLgtd
;]jfx? k|bfg ug]{ tyf gofF ahf/x? / gofF If]qx?df cfkm\gf]
;]jfx? lj:tf/ ub}{ n}hfg] /0fgLlt th{'df u/]sf] 5 .
-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v
ePsf] eP ;f] pk/ ;~rfns ;ldltsf] k|lts[of
o:tf] s'g} s}lkmot n]vfk/LIfssf] k|ltj]bgdf pNn]v
ePsf] 5}g .
-h_ nfef+z af8kmf8 ug{ l;kmfl/; ul/Psf] /sd
ldlt @)&@(% df a;]sf] ;~rfns ;ldltsf] @%*
cf}F a}7sn] ?=!,)(,!@,(%,*^% -cIf/]kL ?k}ofF Ps ca{
gf} s/f]8 afx| nfv kGrfGgAa] xhf/ cf7 ;o k};L dfq_
cyf{t r'Qmf k"FhLsf] $!=)% k|ltzt -@=)% k|ltzt gub
tyf #( k|ltzt z]o/ nfef+Zf_ k|:tfj u/]sf] 5 .
-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof,
To:tf] z]o/sf] clt d'No, To:tf] z]o/ hkmt
x'ge
' Gbf cufj} ;f] afkt sDkgLn] k|fKt u/]sf] hDdf
/sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L
sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt
/sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f
a}+sn] xfn;Dd s'g} z]o/ hkmt u/]sf] 5}g .
-`_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos
sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf
/x]sf] l:yltsf] k'g/fjnf]sg
a}+ssf] s'g} ;xfos sDkgL gePsf] .
22
-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s

jif{df ;DkGg u/]sf] k|dv
' sf/f]af/x? / ;f] cjlwdf
sDkgLsf] sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g
a}+ssf] s'g} ;xfos sDkgL gePsf] . ljut cfly{s jif{df
a}+sn] ;fdfGo a}+ls sf/f]jf/x? u/]sf] . o;} cjlwdf s'g}
dxTjk"0f{ kl/jt{g gePsf] .
-7_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t
z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L
ljut cfly{s jif{df s'g} o:tf] hfgsf/L a}+snfO{ k|fKt
ePsf] 5}g .
-8_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf
kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f
/ sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf]
eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf]
hfgsf/L
ljut cfly{s jif{df o:tf] hfgsf/L a}+snfO{ k|fKt ePsf]
5}g .
-9_ ljut cfly{s jif{df sDkgL;u ;DalGwt ;Demf}tfx?df
s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut
:jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f
ljut cfly{s jif{df o:tf] s'g}] hfgsf/L a}+snfO{ k|fKt
ePsf] 5}g .
-0f_ sDkgLn] cfgf] z]o/ cfkm}n] vl/b u/]sf] eP
To;/L cfgf] z]o/ vl/b ug's
{ f] sf/0f, To:tf]
z]o/sf] ;+Vof / clt d'No tyf To;/L z]o/ vl/b
u/]afkt sDkgLn] e'QmfgL u/]sf] /sd
a}+sn] xfn;Dd cfkm\gf] z]o/ cfkm}+ vl/b u/]sf] 5}g .
-t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf]
eP ;f]sf] lj:t[t ljj/0f
a}+sn] cfkm\gf] cfGtl/s lgoGq0f k|0ffnLnfO{ r':t /
k|efjsf/L agfPsf] 5 . o;sf nflu ;~rfns ;ldlt
cGtu{t g} ljleGg ;ldltx?sf] u7g ul/Psf] 5 ;fy}
ljz]if If]qx?sf] sfo{ ;Dkfbg / r':t tyf k|efjsf/L gLlt
lgdf{0f tyf kl/kfngsf] lglDt cfjZos ;ldltx? u7g
u/L cfkm\gf] clwsf/x? ;d]t k|Tofof]hg u/]sf] 5 . pko{Q' m
;ldltx?n] cfjZos sfdsf/jfxL u/L cfkm\gf] k|ltj]bg
;~rfns ;ldltnfO{ k]z ug]{ ub{5g\ . pQm ;ldltx?n]
cfGtl/s lgoGq0f k|0ffnLsf nflu dxTjk"0f{ of]ubfg lbg]
;d]t u/]sf 5g\ .
o; cfly{s jif{df lgDg cg';f/sf ;ldltx? /x]sf 5g\ .
!= hf]lvd Joj:yfkg ;ldlt
lgDg ;b:ox? /x]sf] o; ;ldltsf] d'Vo p2]Zo a}s
+ df cfpg
;Sg] ljleGg hf]lvdx? -shf{, ahf/, ;~rfng cflb_ sf]
cWoog, cg'udg tyf Joj:yfkg ug]{ /x]sf] 5 . o; ;ldltn]
>L g]kfn /fi6 a}s
+ f/f hf/L ul/Psf lgb]z
{ g tyf kl/kqx?sf]
k"0f{ ?kdf kl/kfngf eP gePsf] ;'kl/j]If0f u/L cfjZostf
cg';f/ ;~rfns ;ldlt tyf Joj:yfkgnfO{ ;'emfj lbg]
ub{5 . cf=j= @)&!)&@ df ;ldltsf] hDdf & j6f a}7s
a;]sf] lyof] h;sf] ljj/0f lgDg cg';f/ /x]sf] 5M
;b:ox?

pkl:yt ePsf]
a}7s ;+Vof
;~rfns >L t'n;L /fd cu|jfn, ;+of]hs

] , ;b:o
;~rfns >L /fdrGb| ;+3O{, ;b:o
;~rfns lqnf]s rGb cu|jfn -cfdlGqt_
;~rfns /fh]Gb| cof{n -cfdlGqt_
;~rfns >L u0f]zdfg >]i7 -cfdlGqt_
>L nId0f l/;fn
sf=d'= k|dv
' sfo{sf/L clws[t-tTsfnLg ;b:o_
>L ljdn 8fuf gfoj dxfk|jGws skf]/{ 6] a+l} s
-tTsfnLg ;b:o ;lrj_
>L ;'lw/ kf08] k|dv
' ;+rfng clws[t -;b:o_
>L /f]zg s'df/ Gof}kfg] k|dv
' hf]lvd clws[t
-;b:o ;lrj_
a}7s eQf
?=
&
^
$
!
!
#
^
^%,)))
%%,)))
#&,)))
(,)))
(,)))
@*,)))
@= sd{rf/L Joj:yfkg tyf ;]jf ;'ljwf ;ldlt

o; ;ldltsf] d'Vo p2]Zo sd{rf/Lsf] kfl/>lds lgwf{/0f
gLlt lgod th{'df ug]{, sd{rf/Lsf] sfo{ ;Dkfbg ;DaGwL
ljj/0f, k|ult d'Nofg ug]{, hgzlQm Joj:yfkg ;DaGwL
sfd sf/jfxL ug]{ / ;f] ;DaGwdf ;~rfns ;ldlt tyf
Joj:yfkgnfO{ ;'emfj lbg] /x]sf] 5 . o; ;ldltn] >L
g]kfn /fi6 a}+sf/f hf/L ul/Psf]] Joj:yf adf]lhd sfd
sf/jfxL u/L ;~rfns ;ldlt tyf Joj:yfkgnfO{ ;'emfj
lbg] ub{5 . o; cf=j= df ;ldltsf] hDdf !@ j6f a}7s
a;]sf] lyof] h;sf] ljj/0f lgDg cg';f/ /x]sf] 5 .
;b:ox?

pkl:yt ePsf]
a}7s ;+Vof
;~rfns >L /fh]Gb| cof{n, ;+of]hs

;~rfns >L lj/]Gb| s'df/ ;+3O{, ;b:o
;~rfns >L u0f]zdfg >]i7, ;b:o
tTsfnLg ;~rfns >L nf]sdfGo uf]N5f, ;b:o
>L nId0f l/;fn, sf=d'= k|dv
' sfo{sf/L clws[t
-tTsfnLg ;b:o ;lrj_
>L k|jL0f a:g]t, tTsfnLg k|dv
' ljQ clws[t, ;b:o
>L efg' bjf8L, k|dv
' dfgj ;+zfwg clws[t,
;b:o ;lrj
a}7s eQf
?=
!@ !,!%,)))

( **,)))
@ !*,)))
!)
!@
!@
#= n]vfk/LIf0f ;ldltsf] ljifodf qmdf+s y df pNn]v

ul/Psf] .
$= Joj;fo clej[l4 ;ldlt
o; ;ldltsf] d'Vo p2]Zo a}+ssf] Joj;fo a9fpgsf nflu
cjnDag ug{'kg]{ pkfox? tyf ckgfpg'kg]{ /0fgLltx?
lgdf{0f ug]{ tyf ;f] /0fgLltx?sf] ;dLIff ug]{ /x]sf] 5 .
abln+bf] ljQLo kl/j]z jLr a}+ssf ;fd' /x]sf cj;/x?sf]
;b'kof]u ug{ tyf r'gf}tLx?sf] ;fdgf ug{ cfjZos
/0fgLltx?sf] th{'df ug]{ o; ;ldltsf] p2]Zo /x]sf] 5 .
;dLIff cjlwdf o; ;ldltsf] ( j6f a}7s a;]sf] lyof]
h;sf] ljj/0f lgDg cg';f/ /x]sf] 5 .
23
;b:ox?

pkl:yt ePsf]
a}7s ;+Vof
;~rfns >L /fdrGb| ;+3O{, ;+of]hs

;~rfns >L lqnf]s rGb cu|jfn, ;b:o
tTsfnLg ;~rfns >L nf]sdfGo uf]N5f, ;b:o
;~rfns >L lagf]b s'df/ Kofs'/n
] , cfdlGqt
>L ;lzg hf]zL,
tTsfnLg k|dv
' sfo{sf/L clws[t, ;b:o
>L nId0f l/;fn,
sf=d'= k|dv
' sfo{sf/L clws[t, ;b:o
>L ;'lgn kf]v/]n, tTsfnLg k|dv
' l/6]n a}l+ s,
;b:o ;lrj
a}7s eQf
?=
(
*
#
%
*
*!,)))
&@,)))
@&,)))
$%,)))
*xfn o; ;ldltsf] sfo{sfn ;dfKt e};s]sf] 5 .
%= cfly{s tyf k|zf;g ljlgodfjnL d:of}bf ;ldlt

a}+ssf] cflYf{s tyf k|zf;g ljlgodfjnLsf] d:of}bf
tof/ ug]{, pQm d:of}bfsf] :jLs[ltsf] nflu ;~rfns
;ldlt ;dIf l;kmfl/;sf nflu k]z ug]{ tyf l;kmfl/;
kZrft :jLs[ltsf nflu g]kfn /fi6 a+}sdf k]z ug{ o;
;ldltsf] u7g ul/Psf] lyof] . o; ;ldltn] cfgf] p2]Zo
cg'?k d:of}bf tof/ u/L sfof{Gjog ul/;s]sf] 5 . pQm
d:of}bfsf] sfof{Gjog kZrft ldlt @)&!!)!( df
a;]sf] ;~rfns ;ldltsf] @#% cf}+ a+}7saf6 o; ;ldlt
lj36g ul/Psf] 5 . ;dLIff cjlwdf o; ;ldltsf] $ j6f
a}7s a;]sf] lyof] h;sf] ljj/0f lgDg cg';f/ /x]sf] 5 .
;b:ox?

pkl:yt ePsf]
a}7s ;+Vof

] , ;+of]hs
;~rfns u0f]zdfg >]i7, ;b:o
>L lbg]z ef/L
k|dv
' sfg"g tyf skf]/{ 6] dfldnf, ;b:o
>L /f]zg s'df/ Gof}kfg],
k|dv
' hf]lvd clws[t, ;b:o ;lrj
a}7s eQf
?=
$ #^,)))
$ #^,)))
$
^= ;+:yfut ;'zf;g ;ldlt

a}+ssf] ;+:yfut ;'zf;g ljlgodfjnLsf] d:of}bfnfO{
clGtd ?k lbgsf] lgldQ ldlt @)&!!!!% df a;]sf]
;~rfns ;ldltsf] @#* cf+} a}7ssf] lg0f{o adf]lhd o;
;ldltsf] u7g ul/Psf] lyof] . pQm p2]Zo cg'?k a+}ssf]
o; ;ldlt4f/f agfO{Psf] ;+:yfut ;'zf;g ljlgodfjnL
kfl/t eO{ sfof{Gjog eO{ ;s]sf] 5 . pQm ljlgodfjnLsf]
sfof{Gjog ;Fu} ldlt @)&@)@!& df a;]sf] ;~rfns
;ldltsf] @$$ cf}+ a+}7saf6 o; ;ldltnfO{ vf/]h ul/Psf]
5 . ;dLIff cjlwdf o; ;ldltsf] ! j6f a}7s a;]sf]
lyof] h;sf] ljj/0f lgDg cg';f/ /x]sf] 5 .
;b:ox?

;~rfns t'n;L /fd cu|jfn, ;+of]hs

;~rfns >L /fh]Gb| cof{n, ;b:o
;~rfns u0f]zdfg >]i7, ;b:o
;~rfns ljgf]b s'df/ Kofs'/n
] , cfdlGqt
>L nId0f l/;fnsf=d'= k|dv
' sfo{sf/L
clws[t -tTsfnLg dxfk|aGws ;~rfng_, ;b:o
>L k|lj0f a:g]t
tTsfnLg k|dv
' ljQ clws[t, ;b:o
>L /f]zg s'df/ Gof}kfg], k|dv
' hf]lvd clws[t
-tTsfnLg k|dv
' cfGtl/s n]vfk/LIf0f
tyf cg'kfngf_, ;b:o ;lrj
pkl:yt ePsf]
a}7s ;+Vof
a}7s eQf
?=
!
!
!
!
!
!),)))
!),)))
!),)))
!),)))
&= 5 Years Strategic Plan pk;ldlt

jt{dfg ablnFbf] kl/j]z, ultlzn cfly{s jftfj/0fdf a+s
} nfO{
;do ;fk]If ;~rfng ug{ / ;f]af6 pTkGg x'g] r'gf}tLx?nfO{
s'zntfk"js
{ ;fdgf u/L a+s
} sf] nIo xfl;n ug{ cfufdL kfFr
jif{sf] Integrated Strategic Plan tof/ ug{ ;dLIff cjlwdf
5 Years Strategic Plan pk;ldltsf] u7g ul/Psf] 5 .
;f] pk;ldltn] :ki6, j}1flgs, j:t'ut, b'/bzL{ / ;Gt'lnt
l;4fGtx? cjnDag u/L k|d'v ;/f]sf/jfnfx?sf] :jfldTj
x'g] / lghx?sf] lxtsf] ;Da4{g ug]{ w/ftnLo oyfy{x?df
cfwfl/t / sfof{Gjog ug{ ;lsg] a+}ssf] efjL of]hgf /
/0fgLltsf] af/]df :ki6 dfu{lrq, Joj;flos tyf kF"hL
of]hgfnfO{ PsLs[t ?kdf ;d]l6Psf] 5 Years Integrated
Strategy Paper tof/ ug]{ d'Vo p2]Zo /x]sf] 5 .
a+}ssf] Vision/Mission xfl;n ug{ a+}sn] cjnDag ug{'kg]{
/0fgLlt, ;f]sf] nflu rflxg] sfof{Gjog ug]{ ;do ;Ldf,
;f]sf] nflu ljleGg ;/f]sf/jfnf Pj+ kbflwsf/Lx?n]
lgefpg xfn sfod /x]sf] ;+/rgf / gLltut Pj+ k|s[ofut
Joj:yfx?df ug{'kg]{ cfjZos kl/jt{gx? Jojl:yt
tj/df k|efjsf/L ?kdf o; 5 Years Integrated Strategy Paper df ;dfj]z ul/g]5 .
cfly{s jif{ @)&!&@ df pk;ldltsf] hDdf ! j6f a}7s
a;]sf] lyof] h;sf] ljj/0f lgDg cg';f/ /x]sf] 5 .
;b:ox?

pkl:yt ePsf]
a}7s ;+Vof
;~rfns >L lqnf]s rGb cu|jfn, ;+of]hs

;~rfns >L t'n;L /fd cu|jfn, ;b:o
] , ;b:o
;~rfns >L /fh]Gb| cof{n, ;b:o
tTsfnLg k|dv
' sfo{sf/L k|dv
' clws[t
>L ;lzg hf]zL, ;b:o;b:o
sf=d'= k|dv
' sfo{sf/L k|dv
' clws[t
>L nId0f l/;fn, ;b:o
gfoj dxfk|aGws skf]/{ 6] a+l} s
>L ljdn 8fuf, ;b:o
;xfos dxfk|aGws k|dv
' shf{ clws[t
>L ;'lht s'df/ zfSo, ;b:o
k|dv
' P;=Pd\=O{= shf{ >L ljgo bfxfn, ;b:o
tTsfnLg k|dv
' l/6]n a+l} s >L ;'lgn kf]v/]n, ;b:o
k|dv
' ;+rfng clws[t>L ;'lw/ kf08], ;b:o
k|dv
' hf]lvd clws[t>L /f]zg s'df/ Gof}kfg], ;b:o
tTsfnLg k|dv
' ljQ clws[t
>L k|lj0f a:g]t, ;b:o ;lrj
a}7s eQf
?=
!
!

!
!
!
!),)))
!),)))
!),)))
!),)))
!
!
!
!
!
-y_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL,

lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f]
;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn]
s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f
>L g]kfn /fi6 a}+ssf] lgb]{zg / k|rlnt sfg"gsf] k|fjwfg
cg'?k ;~rfns ;ldltn] u}/sfo{sf/L ;~rfnssf]
;+of]hsTjdf n]vfk/LIf0f ;ldlt -Audit Committee_ sf]
u7g u/]sf] 5 . o; ;ldltsf] d'Vo p2]Zo a}+ssf] cfGtl/s
lgoGq0f k|0ffnLsf] d'Nofg, n]vfk/LIf0f k|s[ofsf] d'Nofg,
cfly{s k|ltj]bgsf] / cfly{s ljj/0f ;Dk|]if0fsf] ;'kl/j]If0f
24
u/L a}+ssf] cfly{s ljj/0fx? ;xL / kof{Kt /x]sf], a}+ssf

;Dk"0f{ ljefux?n] cfGtl/s k|s[of, gLlt lgodx?sf]
kl/kfngf u/]gu/]sf] af/] ;'lglZrt ug]{ /x]sf] 5 . o;
;ldltn] ;lqmo e"ldsf lgjf{x u/L a}+ssf] cfGtl/s k|s[of
tyf a}}ssf] ;]jfsf] :t/f]Ggltsf] nflu ;Nnfx ;'emfj lbg]
ub{5 .
o; ;ldltn] a}+ssf] cfGtl/s n]vfk/LIf0f k|ltj]bg, jfx\o
n]vfk/LIf0f k|ltj]bgsf] ;dLIff u/L ;f]af6 cfPsf ;Nnfx,
;'emfj tyf lgb]{zgx?sf] kl/kfngf eP gePsf] d'Nofg
ug]{ u/]sf] 5 . cfjZos k/]sf] v08df a}+s Joj:yfkgsf
jl/i7 ;b:ox?nfO{ klg o; ;ldltdf cfdGq0f ug]{
ul/Psf] 5 .
o; ;ldltn] a}s
+ sf] cfGt/Ls n]vfk/LIf0f k|ltj]bgsf] ;dLIff
u/L ;'wf/sf nflu cfkm\gf] ;Nnfx ;'emfjx? lbg] u/]sf] 5 .
;ldltn] jfXo n]vfk/LIf0f k|ltj]bgsf] klg ;dLIff u/L
;~rfns ;ldltnfO{ ;'wf/sf nflu k|:tfj k]z ug]{ u/]sf]
5 . cf=j= @)&!)&@ df ;ldltsf] hDdf @! j6f a}7s
a;]sf] lyof] h;sf] ljj/0f lgDg cg';f/ /x]sf] 5 M
;b:ox?

pkl:yt ePsf]
a}7s ;+Vof

] , ;+of]hs
>L /f]zg s'df/ Gof}kfg]
k|dv
' hf]lvd clws[t, ;b:o ;lrj
-tTsfnLg k|dv
' cfGtl/s n]vfk/LIf0f tyf cg'kfngf_
a}7s eQf
?=
!( !&$,)))
@! !($,)))
@!
-b_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f

cfly{s jif{ @)&!&@ sf] sd{rf/L vr{ ?=$@=!* s/f]8 /
sfof{no ;+rfng vr{ ?= $%=!( s/f]8 u/L s'n Joj:yfkg
vr{ ?= *&=#& s/f]8 /x]]sf] 5 .
-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|dv
' , sDkgLsf
cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf
lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+u7Lt ;+:yfn]
sDkgLnfO{ s'g} /sd a'emfpg afsL eP ;f] s'/f
o; ;DaGwL ljj/0f n]vf ;DaGwL l6Kk0fLdf pNn]v
ul/Psf] 5 .
-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|dv
' tyf
kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf
tyf ;'ljwfsf] /sd
o; ;DaGwL ljj/0f o;} k|ltj]bgsf] ;DalGwt :yfgdf
tyf n]vf ;DaGwL l6Kk0fLdf pNn]v ul/Psf] 5 .
-k_ z]o/wgLx?n] a'lemlng afsL /x]sf] nfef+zsf]
/sd M
o; a}+sn] cf=j= @)%&)%*, @)^!)^@, @)^^)^&,
@)^&)^*, @)^*)^(, @)^()&) / @)&))&!
df 3f]if0ff u/]sf] gub nfef+z dWo] ;dLIff cjlw;Dd
z]o/wgL dxfg'efjx?n] ?= !^,$@,!%,!*%#& e'QmfgL
lng afFsL /x]sf] 5 . ;fy} ljut % jif{eGbf j9L cjlwb]
lv nfef+z glng'ePsf z]o/wgLx?sf] ljj/0f a}+ssf] j]
a;fO6df /flvPsf] 5 .
-km_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf]

s'/fsf] ljj/0f M
ljut cf=j=df a}+sn] sDkgL P]g, @)^# sf] bkmf !&%
adf]lhd ;DklQ vl/b jf laqmL u/]sf] 5}g .
-a_ bkmf !&% adf]lhd ;Da4 sDkgL jLr ePsf]
sf/f]af/sf] ljj/0f M
sDkgL P]g, @)^# sf] bkmf !&% adf]lhd ;Da4
sDkgL jLr sf/f]jf/ gePsf] .
-e_ o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns
;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f M
!= n]vfk/LIfs
n]vfk/LIfs >L hL kL /fhafxs P08 sDkgLf/f cf=j=
@)&!&@ sf] a}+ssf] n]vfk/LIf0f ;kmntfk"j{s ;DkGg
ug{'ePsf]df wGojfb JoQm ub{5f} . ;fy}, sDkgL P]g, @)^#
sf] bkmf !!! cg';f/ cf=j= @)&@&# sf] nflu jt{dfg
n]vfk/LIfs >L hL kL /fhafxs P08 sDkgL k'gM lgo'lQm
x'g ;Sg] ePsf]n] n]vfk/LIf0f ;ldltsf] l;kmfl/z adf]lhd
n]vfk/LIfs lgo'lQm tyf lghsf] kfl/>lds cg'df]bg ug{
o; ;fwf/0f;efdf k|:tfj k]z ul/Psf] 5 .
@= ;+:yfut ;'zf;g
a}+sn] lgodgsf/L lgsfo tyf sfg"gsf] kl/kfngfsf]
lglDt dfq} geO{ c;n Jofj;flos sfo{ tyf cfjZos
kf/blz{tfsf lglDt ;d]t ;+:yfut ;'zf;gnfO{ ;w}+ g}
cu|0fL :yfgdf /fv]sf] 5 . a}+ssf] ;+:yfut ;'zf;g
;+/rgf cGtu{t ;~rfns ;ldltsf] lgikIf Pj+d
kf/bzL{ sfo{ k|0ffnL, ;~rfns ;ldltsf] x:tIf]kd'Qm
b}lgs Joj:yfksLo sfdsf/jfxL tyf a}+ssf] sfo{
;Dkfbg cem r':t / k|efjsf/L agfpg ;~rfns ;ldlt
cGtu{tsf ;ldltx? /x]sf 5g\ .
a}+sn] ;+:yfut ;"zf;gsf tLg cleGg c Integrity,
Transparency / Fairness nfO{ ;b}j cfTd;ft ub}{ cfPsf]
5 / a}+sn] cfkm\gf z]o/wgL, cGo ;/f]sf/jfnfsf] lxt
tyf cfkm\gf ;]jfu|fxLx?sf] dfu / ;]jfu|fxLnfO{ lbOg]
;]jfsf] u'0f:t/ j[l ug{ ;+:yfut ;'zf;gnfO{ cfkm\gf]
gLlt tyf lgodx?sf] cleGg c agfPsf] 5 / eljiodf
klg agfp++b} hfg]5 .
a+}ssf] ;+:yfut ;'zf;gnfO{ yk r':t tyf dha't
agfpg a+}sn] ;dLIff cjlwdf ;+:yfut ;'zf;g gLlt
@)!% hf/L u/]sf] 5, h;sf] d'Vo p2]Zox? lgDg
pNn]lvt /x]sf 5g\ .
a+}ssf ;Dk"0f{ tx, ;+/rgf tyf sfo{x?df pRr ;+:yfut
;'zf;g nfu' ug]{
a+}ssf] ;Dk"0f{ sfo{x? cfGtl/s tyf afXo gLlt cg'?k
kfngf ug{
a+}ssf] nIo, p2]Zo k|flKtsf nflu cfjZos k|efjsf/L
gLlt, ljlw tyf dfu{bz{g agfpg / ;f]sf] k|efjsf/L
?kdf kfngf u/fpg'sf ;fy} cg'udg ug{
25
a+}sn] lgDg kbflwsf/Lx? ;lDdlnt ;+:yfut ;'zf;g

;ldlt u7g u/]sf] 5 .
gfoj k|d'v sfo{sf/L clws[t
;+of]hs
k|d'v hf]lvd clws[t
;b:o
k|d'v ljQ clws[t
;b:o
k|d'v dfgj ;+;fwg clws[t
;b:o
k|d'v ;~rfng clws[t
;b:o
k|d'v cg'kfngf clws[t
;b:o
k|d'v cfGtl/s n]vfk/LIf0f clws[t ;b:o ;lrj
o; ;ldltn] a}+ssf] ;+:yfut ;'zf;gsf]] dfl;s ?kdf
k'g/fjnf]sg ug{'sf ;fy} cfjZos ;Nnfx ;'emfjx? ;d]t
k|bfg ug]{ u/]sf] 5 . a+}ssf] ;+:yfut ;'zf;g ;ldltsf]
lgDg adf]lhdsf lhDd]jf/Lx? (Terms of Reference) 5g\ M
a+}ssf] ;+:yfut ;'zf;g Joj:yf g]kfn /fi6 a+}sn]
hf/L u/]sf] PsLs[t lgb]{zg ePgePsf] cg'udg u/L
olsg ug]{
a+s
} sf] ;+:yfut ;'zf;g Joj:yf ;DaGwL Joj:yfkg,
n]vfk/LIf0f ;ldlt tyf ;~rfns ;ldltnfO{ hfgsf/L
lbg]
g]kfn /fi6 a+s
} n] ;do ;dodf hf/L ug]{ gLlt lgb]z
{ gx?
kfngf ePgePsf] olsg ug]{
a+}ssf ;Dk"0f{ sd{rf/Lx? a+}ssf] ;+:yfut ;'zf;g
gLlt tyf cfrf/;+lxtf ;DaGwL hfgsf/ /x]sf] tyf
sd{rf/Lx?nfO{ ;do ;dodf ;+:yfut ;'zf;g
;DaGwL cfjZos tflnd tyf r]tgfsf sfo{s|dx?
;~rfng ug]{
;ldltnfO{ tf]lsPsf] cGo ljljw lhDd]jf/L kfngf ug]{
o;} jLr ;dLIff cjlwdf sd{rf/L cfrf/;+lxtf k'l:tsf
hf/L u/L ;Dk'0f{ sd{rf/Lx?nfO{ ljt/0f ul/Psf] hfgsf/L
u/fpFb5f+} .
#= ;+:yfut ;fdflhs pQ/bfloTj
a}+s Ps c;n ;+:yfut gful/s ;d]t ePsf] gftfn]
;fdflhs lxt tyf pTyfgsf] nflu ;lqmo e"ldsf lgjf{x
ub]{ cfO/x]sf] 5 . a}+s4f/f :yflkt ;+:yfut u}/ gfkmfd'vL
;+:yf NIC ASIA Foundation dfkm{t a+}sn] x/]s jif{
;fdflhs lxtsf sfo{s|dx? ;~rfng ub]{ cfPsf] 5 .
a}+sn] x/]s jif{ cfkm\gf] v'b d'gfkmfsf] )=%) k|ltzt /sd
of] ;+:yfnfO{ pknAw u/fO{ pQm ;+:yf dfkm{t ;fdflhs
pQ/bfloTjsf sfo{x? cufl8 a9fO{ /x]sf] 5 .
o; a+}sn] !@ a+}zfv @)&@ df uPsf] ljgfzsf/L
dxfe'sDksf sf/0f kg{ uPsf] ljkt, dfgjLo tyf
ef}lts IfltnfO{ dWogh/ ub]{ cfly{s ;xfotf :j?k
?=@%,%!,))) k|wfgdGqL ;xfotf sf]ifnfO{ k|bfg
u/]sf] 5 . o;} jLr pQm ljgfzsf/L e'sDksf sf/0f
lkl8t kl/jf/nfO{ b]zsf ljleGg e"sDk k|efljt
lhNnfx?df ;xof]usf sfo{s|dx? h:t} vfBfGg ljt/0f,
;/;kmfO{ ;DalGwt hgr]tgfd"ns sfo{s|dx? ;~rfng
ug{'sf ;fy} ljleGg wfld{s tyf ;f+:s[lts ?kn] dxTjk"0f{
w/f]x/x?sf] ;/;kmfO{sf sfo{s|dsf] ;d]t cfof]hgf
u/]sf] lyof] .
o;}{ u/L o; NIC ASIA Foundation n] ;'gsf]zL gbLdf

cfPsf] af9Lsf sf/0f l;Gw'kfNrf]s lhNnf l:yt df+vf
uflj;sf af9L lkl8tx?sf] p4f/ tyf ;xof]usf nflu
?=%,%!,))) k|wfgdGqL b}jL k|sf]k sf]ifnfO{ k|bfg
u/]sf] lyof] . ;fy}, o; ;+:yfn] ljkGg ju{sf k9\g rfxg]
h]x]Gbf/ ljBfy{L{x? tyf zf/Ll/s ?kdf czQmx?nfO{
5fqj[lQ k|bfg u/]sf] 5 . o; ;+:yfn] /Qmbfg sfo{qmd
tyf lgMz'Ns :jf:Yo k/LIf0f lzlj/x? ;d]t ;~rfngdf
Nofpg'sf ;fy} afudtL ;/;kmfO{ sfo{s|ddf ;lqmo
;xeflutf hgfPsf] 5 . o; ;+:yfn] 6'x'/f afnaflnsfx?
/ a[ a[fx?nfO{ sk8f tyf pkef]Uo ;fdfgx? pknAw
u/fpg'sf ;fy} cfly{s ;xof]usf sfo{qmdx? x/]s jif{
;~rfngdf NofPsf] 5 .
$= z]o/wgL;Fusf] ;DaGw tyf z]o/wgLx?nfO{ ;"rgf Joj:yf
cfiff9 d;fGt @)&@ ;Dddf o; a}+ssf hDdf (),)%%
z]o/wgLx? /xg' ePsf] hfgsf/L u/fpg rfxG5f+} . a}+sn]
z]o/wgLx?;Fu ;"rgf cfbfg k|bfg ug]{ sfo{nfO{ pRr
k|fyldstf lbPsf] 5 . jflif{s ;fwf/0f ;efdf z]o/wgL
dxfg'efjx?;Fusf] k|ToIf ;+jfbsf] dfWodaf6 a}+sn] dfu{
lgb]{zg k|fKt ug]{ u/]sf] 5 . a}+ssf] jflif{s k|ltj]bg,
q}dfl;s k|ltj]bg, k|]; lj1KtL nufot cGo hfgsf/Lx?
ljleGg ;~rf/ dfWod Pj+ a}+ssf] j]a ;fO6 www.nicasiabank.com f/f pknAw u/fpg] ul/Psf] 5 .
%= wGojfb 1fkg
xfd|f z]o/wgL dxfg'efjx?, xfd|f x/]s kfOnfdf ;fy lbg]
;xofqLx? x'g'x'G5 . a+}ssf] pQ/f]Q/ k|ult tyf ;d[l4sf]
nflu tkfO{+x?n] k|ToIf tyf ck|ToIf ?kdf k'ofpg' ePsf]
;xof]u, dxTjk"0f{ ;Nnfx, ;'emfj, lg0f{o tyf dfu{bz{gn]
g} a}s
+ cfhsf] ;an tyf ;Ifd cj:yfdf cfOk'us
] f] 5 . tkfO{
z]o/wgL dxfg'efjx?n] xfdL k|lt b]vfpg'ePsf] ;b\efj
tyf ljZjf;sf] ;~rfns ;ldlt ;w}+ g} ;/fxgf ub{5 . xfd|f
x/]s pknAwLx?df xfd|f ;xofqLx?, xfd|f ;]jfu|fxLx? /
xfd|f z'elrGtsx?n] ;w}+ g} ;fy lbg'ePsf] 5 .
o; ;~rfns ;ldltnfO{ lg/Gt/ lbzflgb{z
] ug]{ >L g]kfn
/fi6 a}s
+ , >L g]kfn lwtf]kq af]8,{ >L g]kfn :6s PS;r]Gh,
>L sDkgL /lhi6f/sf] sfof{no, >L cy{ dGqfno, >L g]kfn
;/sf/ tyf cGo lgodgsf/L lgsfox?nfO{, pxfFx?n] k'ofpg'
ePsf] ;xof]usf] nflu s[t1tf hfx]/ ub{5 . ;fy} a}s
+ sf] x/]s
pknAwL / k|ultdf cfkm\gf] s8f kl/>dsf ;fy dxTjk"0f{
of]ubfg k'ofpg] a}s
+ sf ;j} sd{rf/Lx?sf] kl/>dsf] sb/ ub}{
o; ;~rfns ;ldlt cfpFbf jif{x?df ;j};uF o:t} ;xof]usf]
ck]Iff /fVb5 .
;~rfns ;ldltsf] tkm{af6

hubLz k|;fb cu|jfn
cWoIf
26
lwtf]kq btf{ tyf lgisf;g lgodfjnL, @)^% sf] lgod @@

sf] pklgod -!_
adf]lhdsf] jflif{s k|ltj]bg
!= ;~rfns ;ldltsf] k|ltj]bg M k|:t't ;du| k|ltj]bg ;~rfns ;ldltsf] k|ltj]bg /x]sf] .
@= n]vfk/LIf0fsf] k|ltj]bg M ;DalGwt zLif{sdf pNn]v ul/Psf] .
#= n]vfk/LIf0f ul/Psf] cfly{s ljj/0f M jf;nft, gfkmf tyf gf]S;fg, gub k|jfx ljj/0f tyf ;Dj4 cg';"rLx?df
;dfj]z ul/Psf] .
$= sfg"gL sf/jfxL ;DjGwL ljj/0f
-s_ ut cf=j=sf] clGtd q}dfl;s cjlwdf a}+sn] tyf a}+ssf lj?4df ;fdfGo Aofj;flos sf/f]jf/ ;DaGwL d'4f
afx]s cGo d'4f g/x]sf] .
-v_ a}+ssf] ;+:yfks jf ;~rfnsn] jf ;+:yfks jf ;~rfnssf] lj?4df k|rlnt lgodsf] cj1f jf kmf}hbf/L
ck/fw u/]sf] ;DaGwdf d'4f bfo/ ePsf] s'g} hfgsf/L k|fKt gePsf] .
-u_ s'g} ;+:yfks jf ;~rfns lj?4 cfly{s ck/fw u/]sf] ;DaGwdf d'2f bfo/ ePsf] s'g} hfgsf/L k|fKt gePsf] .
%= ;+ul7t ;+:yfsf] z]o/ sf/f]jf/ tyf k|ultsf] ljZn]if0f
-s_ lwtf]kq jhf/ ;+ul7t ;+:yfsf] z]o/ sf/f]jf/sf ;DaGwdf Joj:yfkgsf] wf/0ff .

z]o/ sf/f]jf/df x'g] ptf/ r9fj v'Nnf ahf/n] k|ltkflbt u/]sf] d'No tyf dfGotf cg'?k x'g]

ePsfn] o; ;DaGwdf Joj:yfkgsf] wf/0ff t6:y /x]sf] .
-v_ ut jif{sf] k|To]s q}dfl;s cjlwdf sf/f]jf/ ePsf] z]o/sf] s'n ;+Vof tyf sf/f]jf/ ePsf] lbg ;DjGwL
hfgsf/L nufot ;+ul7t ;+:yfsf] clwstd, Go"gtd / clGtd z]o/ d'No .
cflZjg d;fGt
kf}if d;fGt
clwstd d'No
Go"gtd d'No
clGtd d'No
sf/f]jf/ ;+Vof
sf/f]jf/ lbg
?= (*%
?= &@^
?= &(!
@^^@
%$
r}q d;fGt
clwstd d'No
Go"gtd d'No
clGtd d'No
sf/f]jf/ ;+Vof
sf/f]jf/ lbg
clwstd d'No
Go"gtd d'No
clGtd d'No
sf/f]jf/ ;+Vof
sf/f]jf/ lbg
?= *@@
?= ^$(
?= ^^^
!*^#
%&
cfiff9 d;fGt
?= &!)
?= ^#&
?= ^^!
(*%
%^
clwstd d'No
Go"gtd d'No
clGtd d'No
sf/f]jf/ ;+Vof
sf/f]jf/ lbg
?= ^^%
?= %@(
?= ^!&
!)(!
$&
27
^= ;d:of / r'gf}tL
s= cfGtl/s ;d:of tyf r'gf}tL
a9\bf] k|lt:kwf{sf sf/0f bIf hgzlQmsf] cefj tyf a+s
} df xfn sfo{/t hgzlQmnfO{ ;d]t sfod /fVg] r'gf}tL .
bIf hgzlQmsf] ljsf; ug{' tyf pTk|]l/t ug{' .
a9\bf] ;~rfng nfut tyf 36\bf] Aofhb/ cGt/ .
v=

afx\o ;d:of tyf r'gf}tL

k|lts"n Jofhb/ tyf t/ntfsf] l:ylt Pjd\ ;f]df x'g] cfsl:ds ptf/r9fj .
d'bf| l:kmtL tyf Aofhb/ jLr ;fd~h:otf sfod gx'g' .
cTolws t/ntf, To;af6 gLltut cGof]naf6 plAhg] ahf/ hf]lvd tyf ljQ Joj:yfkgsf r'gf}tLx? .
tLj| k|ltikwf{ / To;af6 plAhPsf] o'lQmxLg k|lt:kwf{Tds Jojxf/ .
;Lldt nufgLsf cj;/x? .
36\bf] shf{ dfu .
g]kfn /fi6 a+s
} 4f/f df}lb|s gLlt cGtu{t hf/L ul/Psf] r'Qmf kF"hL ;DaGwL gLltsf] kfngf .
cl:y/ cfly{s tyf /fhgLlts jftfj/0f .
&= ;+:yfut ;'zf;g

;~rfns ;ldltsf] k|ltj]bg cGtu{t ;DalGwt zLif{sdf pNn]v ul/Psf]
*= ljj/0fkqdf k|If]k0f ul/Psf / n]vfk/LIf0f ePsf] ljj/0fx?df aL; k|ltzt jf ;f] eGbf a9L km/s ;DaGwL ljj/0f .
&=@%% NIC ASIA Bond 2077 C0fkq lgisfzgsf avt a}+sn] k|s|flzt u/]sf] ljj/0fkqdf k|If]k0f ul/Psf / a}+ssf]
nv]fk/LIf0f kZrftsf] jf:tljs ljQLo ljj/0fdf ePsf] @) k|ltzt jf ;f] eGbf a9Lsf] kl/jt{g ;DaGwL ljj/0f .
ljj/0f
;fk6L
k|If]lkt ljQLo
ljj/0f
@,&),%$)
e'QmfgL lbg
#,@&,@%#
afFsL lan
cfos/ bfloTj !,!$,@$%
cGo bfloTj
!$,$^,*^&
n]vfk/LIf0f ePsf]
ljQLo ljj/0f
km/s
- %_
-!))_
$!,)!*
-*&_
*@
(,$&,&^^
-!))_
-#$_
cNksfnLg
nufgL
l:y/ ;DklQ
@,&),!!%
-!))_
&,@^,#&!
%^^,*^^
-@@_
cGo ;DklQ
@%,*(,%^$
!),!!,^)@
-^!_
@) k|ltzt eGbf a9L km/s kg{'sf sf/0f

pRr t/ntfsf] sf/0f k|If]k0f cg';f/ ;fk6L cfjZos gk/]sf] .
k|If]k0f ul/Psf] eGbf sd Joj:yfksLo r]s tyf
8f6sf] Joj;fo ePsf]n] .
k|If]k0f ul/P cg';f/sf] v'b d'gfkmf gePsf]n] .
n]vfk/LIf0f k|ltj]bgdf Forward Contract sf]
sf/0faf6 l;h{gf ePsf] /sd ?=@ ca{ $% s/f]8
;DklQ tyf bfloTjsf] ;dfof]hg ul/Psf]n] .
k|If]k0f ul/P cg';f/sf] cNksfnLg nufgL
gePsf]n] .
k|If]k0f ul/P cg';f/sf] Joj;fo tyf zfvf la:tf/
gePsf]n] .
n]vfk/LIf0f k|ltj]bgdf Forward Contract sf]
sf/0faf6 l;h{gf ePsf] /sd ?=@ ca{ $% s/f]8
;DklQ tyf bfloTjsf] ;dfof]hg ul/Psf]n] .
28
ljj/0f
Jofh cfDbfgL
k|If]lkt ljQLo
ljj/0f
%%,$!,(@&
n]vfk/LIf0f ePsf]
ljQLo ljj/0f
#(,!&,&%(
km/s
-%_
-@(_
Jofh vr{
##,(#,!)(
@#,$),@**
-#!_
sldzg tyf
l8:sfpG6
cGo ;~rfng
cfDbfgL
;6xL 36a9
cfDbfgL
cGo ;~rfng
vr{
!,&@,$*&
!,#!,^@$
-@$_
#,%),)@%
@,^^,&!#
-#&_
!,(),)%*
!,@^,$)#
-##_
^,)#,!%&
$,%!,*@!
-@%_
;~rfng
d'gfkmf
!^,&%,%()
*,^*,@#$
-$*_
v'b d'gfkmf
!),^^,@*%
^,*),#!&
-#^_
@) k|ltzt eGbf a9L km/s kg{'sf sf/0f

k|If]k0f ul/P eGbf sd Aofhb/df nufgL tyf
sd shf{ tyf ;fk6Lsf] k|jfx ePsf]n] / shf{
tyf nufgLsf] cf};t k|ltkmndf @=!$ k|ltztn]
ef/L lu/fj6 cfPsf]df lgIf]k tyf ;fk6Lsf] cf};t
nfutdf eg] )=*& k|ltztn] dfq lu/fj6 cfPsf]n] .
cToflws t/ntfsf sf/0f lgIf]ksf] nfutdf
k|If]k0fsf] t'ngfdf sdL cfPsf]n] .
k|If]k0f ul/P eGbf sd shf{ tyf ;fk6L tyf 6]8
-k|lttkq tyf a}s
+ Uof/]06L_ Joj;fo k|jfx ePsf]n] .
k|If]k0f ul/Psf] eGbf sd sf8{ Joj;fo tyf sd
shf{ tyf ;fk6L k|jfx ePsf]n] .
k|If]k0f ul/P eGbf sd 6]8 Joj;fo ePsf]n] .
k|If]k0f ul/P cg';f/sf] zfvf ;~hfn la:tf/
gePsf], Xf; vr{df sdL ePsf] tyf ;|f]t ;fwgsf]
clwstd k|of]u ul/Psf]n] .
pRr t/ntfsf] sf/0fn] k|If]k0f ul/Psf] eGbf a9L
Aofhb/ cGt/df lu/fj6 tyf k|If]k0f eGbf cGo
;~rfng cfDbfgLdf sdL ePsf]n] .
pRr t/ntfsf] sf/0fn] k|If]k0f ul/Psf] eGbf a9L
Aofhb/ cGt/df lu/fj6 tyf k|If]k0f eGbf cGo
;~rfng cfDbfgLdf sdL ePsf]n] .
(= lgod @@ sf] pklgod -%_ ;Fu ;DalGwt ljz]if 36gf jf kl/l:ylt ;DaGwL ljj/0f M
!_ ;+ul7t ;+:yfsf] ljlgoddf ;+zf]wg M
s_ ;~rfnsx?sf] kfl/>lds, eQf / ;'ljwf ;DaGwL Joj:yfdf kl/jt{g ePsf] / pQm ;+zf]wg ldlt @)&!!@)( af6
nfu" ePsf] .
@_ ;+ul7t ;+:yfsf] ;~rfns jf pRr Joj:yfksLo txsf clws[tsf] kl/jt{g
s_ ;~rfnsn] ;~rfns ;ldltaf6 /flhgfdf lbg' ePsf]
gfd M nf]sdfGo uf]N5f
cnu ePsf] ldlt M @)&!)()^
v_ k|d'v sfo{sf/L clws[tsf] sfo{sfn ;dfKt ePsf]]
gfd M ;lzg hf]zL
cnu ePsf] ldlt M @)&@)@@(
u_ gfoj dxfk|aGwsn] /flhgfdf lbg' ePsf]
gfd M lg/h >]i7
cnu ePsf] ldlt M @)&!)%!(
#_ nfef+z 3f]if0ff jf kF"hL ;+/rgfdf kl/jt{g M
cfly{s jif{ @)&!&@ df ldlt M @)&!)(@& df ;DkGg o; a+}ssf] ;qf+} jflif{s ;fwf/0f ;efsf] lg0f{o eP adf]lhd !%
k|ltzt gub nfef+z tyf !% k|ltzt af]g; z]o/ k|bfg ul/Psf]
29
30
jf;nft
#! cfiff9 @)&@ -!^ h'nfO{ @)!%_ d;fGtsf]
k"hL tyf bfloTj
cg'';"rL
o; jif{ ?
1=
ut jif{ ?
z]o/ kF"hL
1
2= hu]8f tyf sf]ifx?
2
3= C0fkq tyf a08
3
4= ltg{ af+sL shf{ ;fk6L
4
5= lgIf]k bfloTj
5
6= e'QmfgL lbg'kg]{ ljnx?
6
7= k|:tfljt gub nfef+z
8= cfos/ bfloTj
9= cGo bfloTj
7
3,69,50,15,872
2,65,82,84,800
1,80,37,68,433
2,21,47,47,197
53,47,71,84,239
44,98,42,18,467
4,10,17,986
4,65,43,901
5,45,64,793
34,67,32,800
82,225
94,77,65,667
74,99,58,635
s'n kF"hL tyf bfloTj
60,51,93,99,215
51,50,04,85,800
50,00,00,000
-
50,00,00,000

;DklQ cg';"rL
o; jif{ ?
1=
gub df}Hbft
2= g]kfn /fi6 a}+sdf /x]sf] df}Hbft
3= a}+s ljQLo ;+:yfdf /x]sf] df}Hbft
4= dfu tyf cNk ;'rgfdf k|fKt x'g] /sd
5= nufgL
6= shf{ ;fk6L tyf ljn v/Lb
7= l:y/ ;DklQ
8= u}/ a}+ls ;DklQ
9= cGo ;DklQ
1,04,15,66,541
77,61,37,167
4,76,29,55,049
5,18,65,48,301
10
86,79,92,408
11
1,22,07,05,302

12
10,12,40,80,690
6,48,53,70,668
13
42,14,43,36,688
36,32,50,70,073
14
56,68,65,762
52,33,19,954
15
16
s'n ;DklQ
;+efljt bfloTj
;~rfnsx?sf] 3f]if0ff
kF"hL sf]if tflnsf
hf]lvd efl/t ;DklQ ljj/0f tflnsf
k|d"v ;'rfsfx?
k|d'v n]vf gLltx?
n]vf ;DaGwL l6Kk0fLx?
;+:yfksx?sf] shf{ ljj/0f
n]vfk/LIf0f gePsf] ljQLo ljj/0f
n]vfk/LIf0f gePsf] / n]vfk/LIf0f ePsf] ljQLo
ljj/0fsf] t'ngfTds ljj/0f
ut jif{ ?
1,01,16,02,077
98,33,34,335
60,51,93,99,215
51,50,04,85,800
cg';"rL !&
cg';"rL @(
cg';"rL #)
cg';"rL #)-s_
cg';"rL #!
cg';"rL #@
cg';"rL ##
cg';"rL #$
cg';"rL #%
cg';"rL #^
cg';"rL 1 b]lv 17 / cg';"rL 32 / 33 o; jf;nftsf] cleGg c+u x'g\ .
ljzfn l;Ub]n
k|aGwsljQ
nId0f l/;fn
sf=d'=k|d"v sfo{sf/L clws[t
hubLz k|;fb cu|jfn

cWoIf
o;} ldltsf] xfd|f] ;+nUg

k|ltj]bg cg';f/
t'n;L /fd cu|jfn

;+rfns
lqnf]s rGb cu|jfn

;+rfns
/fd rGb| ;+3O{

;+rfns
lj/]Gb| s'df/ ;+3O{

;+rfns
lagf]b s'df/ Kofs'/]n

;+rfns
/fh]Gb| cof{n
;+rfns
l;=P= /GhLj >]i7

;f]bf/
hL=kL= /fhafxs P08 sDkgL
rf6{8 Psfp06]G6\;
u0f]z dfg >]i7

;+rfns
sf7df08f}+
ldltM @)&@(%
31
gfkmfgf]S;fg lx;fj
! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO @)!%_
?=df
ljj/0f cg';'r
o; jif{
ut aif{
1=
Jofh cfDbfgL
18
3,91,77,59,458 3,99,50,05,111
2= Jofh vr{
19
2,34,02,87,740 2,19,67,82,575
v'b Jofh cfDbfgL
1,57,74,71,718 1,79,82,22,536
3= sldzg tyf l8:sfp06
20
13,16,23,514
14,31,81,873
4= cGo ;~rfng cfDbfgL
21
26,67,12,765
19,64,03,099
5= ;6xL 36a9 cfDbfgL
22
12,64,02,945
10,10,26,293
2,10,22,10,942 2,23,88,33,801
s'n ;~rfng cfDbfgL
6= sd{rf/L vr{
23
42,17,77,595 37,84,40,48)
7= cGo ;~rfng vr{
24
45,18,20,629
38,53,66,312
8= ;6xL 36a9 gf]S;fg
22
-
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf
1,22,86,12,719 1,47,50,27,009
9= ;Defljt gf]S;fgL Joj:yfx?
25
36,03,78,667
25,90,53,511
;~rfng d'gfkmf

86,82,34,052 1,21,59,73,498
10= u}/ ;+rfng cfDbfgL -gf]S;fg_
26
1,34,13,443
79,34,213
11= ;Defljt gf]S;fgL Joj:yf af6 lkmtf{
27
18,30,73,336
13,48,92,830
1,06,47,20,830 1,35,88,00,541
lgoldt sf/f]jf/af6 d'gfkmf
12= c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL-vr{_
28
30,38,679 (5,00,00,000)
;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf
1,06,77,59,510 1,30,88,00,541
13= sd{rf/L af]g; Joj:yf
9,70,69,046
11,89,81,867
14= cfos/ Joj:yf
29,03,73,363
35,82,29,802
o; jif{sf] s/ Joj:yf
28,71,21,292
35,68,02,712
:yug s/ -cfDbfgL_ vr{
32,52,071
14,27,090
ut jif{sf] yk s/
-
-
v'b gfkmf
68,03,17,101
83,15,88,872
cg';"rL !* b]lv @* / cg';"rL #@ / ## o; gfkmf gf]S;fg lx;fasf] cleGg c+u x'g\ .
ljzfn l;Ub]n
k|aGwsljQ
nId0f l/;fn
hubLz k|;fb cu|jfn

cWoIf

k|ltj]bg cg';f/
t'n;L /fd cu|jfn

;+rfns
lqnf]s rGb cu|jfn

;+rfns
/fd rGb| ;+3O{

;+rfns
lj/]Gb| s'df/ ;+3O{

;+rfns

;+rfns
/fh]Gb| cof{n
;+rfns
l;=P= /GhLj >]i7

;f]bf/
rf6{8 Psfp06]G6\;
u0f]z dfg >]i7

;+rfns
sf7df08f}+
ldltM @)&@(%
32
gub k|jfx ljj/0f
! >fj0f @)&! b]lv #! cfiff9 @)&@ ;Dd -!& h'nfO{ @)!$ b]lv !^ h'nfO{ @)!%_
?=df
ljj/0f
o; jif{
s= sf/f]jf/ ;~rfngaf6 gub k|jfx
1= gub k|flKt
1=1 Jofh cfDbfgL
1=2 sldzg tyf l8isfpG6 cfDbfgL
1=3 ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL
1=4 ckn]lvt shf{sf] c;'nL
1=5 cGo cfDbfgL
2= gub e'QmfgL
2=1 Jofh vr{
2=2 sd{rf/L vr{
2=3 sfof{no ;~rfng vr{
2=4 cfos/ e'QmfgL
2=5 cGo vr{
sfo{ut kF"hL ultljlw cl3sf] gub k|jfx
;~rfng ;DaGwL rfn' ;DklQdf sdL -j[l_
1= dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL
2= cGo cNksfnLg nufgLdf sdL -j[l_
3= shf{ tyf ljN; v/Lbdf sdL -j[l_
4= cGo ;DklQdf sdL -j[l_
;~rfng ;DaGwL rfn' bfloTjdf -sdL_ j[l
1= lgIf]k bfloTjdf -sdL_ j[l
2= ;l6{lkms]6 ckm l8kf]lh6df -sdL_ j[l
3= cNksfnLg ;fk6Ldf -sdL_ j[l
4= cGo bfloTjdf -sdL_ j[l
sf/f]af/ ;~rfngaf6 ePsf] s'n gub k|jfx
4,30,40,15,909
3,76,98,77,082
14,10,23,116
12,64,02,945
-
26,67,12,765
(3,39,50,39,727)
(2,23,65,93,534)
(55,09,51,264)
(34,03,74,524)
(26,71,20,406)
-
90,89,76,181
(8,54,93,98,017)
-
(2,46,23,46,983)
(6,02,58,18,900)
(6,12,32,134)
8,61,18,01,927
8,49,29,65,772
-
-
11,88,36,155
97,13,80,092
-j[l_
ut aif{

4,28,58,39,074
3,83,99,37,263
14,84,72,419
10,10,26,293
19,64,03,099
(3,29,93,77,535)
(2,19,13,70,874)
(47,73,11,047)
(29,99,35,899)
(32,68,96,544)
(38,63,171)
98,64,61,539
(5,62,94,70,985)
95,80,000
(83,78,68,644)
(4,93,97,12,279)
13,85,29,938
4,81,53,39,751
5,07,54,44,254
(20,40,17,498)
(5,60,87,005)
17,23,30,305
v= nufgL sf/f]jf/df gub k|jfx

1= bL3{sfnLg nufgLdf sdL -j[l_
(1,19,15,92,070)
1,12,62,23,825
(15,82,09,538)
(4,24,84,358)
2= l:y/ ;DklQ sdL -j[l_
16,73,33,482
22,55,70,355
3= bL3{sfnLg nufgLdf Jofh cfDbfgL
1,01,71,236
44,22,103
4= nfef+z cfDbfgL
4,43,17,049
1,40,53,011
5= cGo
nufgL sf/f]af/af6 ePsf] s"n gub k|jfx
(1,12,79,79,840)
1,32,77,84,935
u= ljQLo >f]t sf/f]jf/af6 gub k|jfx
1= bL3{sfnLg C0f df -sdL_ j[l
-
50,00,00,000
-j08, l8j]Gr/ cflb_
-
2= z]o/ kF"hLdf -sdL_ j[l
(2,43,81,849)
(1,36,944)
3= cGo bfloTjdf -sdL_ j[l
-
4= g]kfn /fi6 a}+saf6 k|fKt ;x'lnot k'g/shf{df -sdL_j[l
(32,98,95,175)
(49,94,63,515)
5= nfef+z e'QmfgL
ljQLo sf/f]af/af6 ePsf] gub k|jfx
(35,42,77,024)
3,99,541
3= gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6
-
cfDbfgLvr{
= o; jif{ ;Dk'0f{ ultljlwaf6 gub k|jfx -svu3_ (51,08,76,772)
1,50,05,14,781
r= gub tyf a}+sdf /x]sf] z'? Dff}Hbft 7,18,33,90,770
5,68,28,75,989
5= gub tyf a}+sdf /x]sf] clGtd Dff}Hbft 6,67,25,13,998
7,18,33,90,770
ljzfn l;Ub]n
k|aGwsljQ
nId0f l/;fn
hubLz k|;fb cu|jfn

cWoIf

k|ltj]bg cg';f/
t'n;L /fd cu|jfn

;+rfns
lqnf]s rGb cu|jfn

;+rfns
/fd rGb| ;+3O{

;+rfns
lj/]Gb| s'df/ ;+3O{

;+rfns

;+rfns
/fh]Gb| cof{n
;+rfns
l;=P= /GhLj >]i7

;f]bf/
rf6{8 Psfp06]G6\;
u0f]z dfg >]i7

;+rfns
sf7df08f}+
ldltM @)&@(%
33
gfkmf gf]S;fg af8kmf8 lx;fa

cfly{s jif{ @)&!&@
?=df
ljj/0f

rfn' jif{
@)&!&@
ut aif{
@)&)&!
cfDbfgL
!= ut jif{;Ddsf] ;l~rt d'gfkmf
17,07,14,220
37,81,637
@= o; aif{sf] v'b gfkmf
68,03,17,101
83,15,88,872
3= k"+hL ;dfof]hg sf]if af6 lkmtf{
-
20,00,00,000
4= :yug s/ hu]8fsf]if
32,52,071
14,27,090
5= k"+hLut hu]8faf6 lkmtf{
45,19,08,416
6= z]o/ lk|ldodaf6 lkmtf{
6,78,38,411
-
hDdf
1,37,40,30,219
1,03,67,97,599
vr{
1= ut jif{;Ddsf] ;l~rt gf]S;fg
-
2= o; jif{sf] gf]S;fg
3= ;fw/0f hu]8fsf]if
13,60,63,422

-
4= e}k/L cfpg] hu]8f
5= ;+:yf ljsf; sf]if
-
-
6= nfef+z ;dLs/0f sf]if
-
7= sd{rf/L ;DaGwL hu]8fx?
5,45,64,793
8= k|:tfljt nfef+z
1,03,67,31,072
9= k|:tfljt af]g; z]o/
-
10= ljz]if hu]8f sf]if

-
11= ;6xL 36a9 sf]if
-
12= kF"hL lkmtf{ hu]8f sf]if
-
13= kF"hL ;dfof]hg sf]if
7,14,28,572
14= Pg cfO{ l; Plzof a08 lkmtf{ hu]8f sf]if
15= :yug s/ sf]if
-
3,42,00,492
16= nufgL ;dfof]hg sf]if
hDdf

1,33,29,88,351
;l~rt d'gfkmf 4,10,41,868
16,63,17,776
34,67,32,800
34,67,32,800
63,00,003
86,60,83,379
17,07,14,220
ljzfn l;Ub]n
k|aGwsljQ
nId0f l/;fn
hubLz k|;fb cu|jfn

cWoIf

k|ltj]bg cg';f/
t'n;L /fd cu|jfn

;+rfns
lqnf]s rGb cu|jfn

;+rfns
/fd rGb| ;+3O{

;+rfns
lj/]Gb| s'df/ ;+3O{

;+rfns

;+rfns
/fh]Gb| cof{n
;+rfns
l;=P= /GhLj >]i7

;f]bf/
rf6{8 Psfp06]G6\;
u0f]z dfg >]i7

;+rfns
sf7df08f}+
ldltM @)&@(%
>fj0f !, @)&! sf] df}Hbft

:yug s/ sf]ifdf ;f/]sf]
;dfof]lht df}Hbft
o; jif{sf] ;dfof]hg
o; cf= j= sf] v'b gfkmf
;fwf/0f hu]8f sf]ifdf ;f/]sf]
k|:tfljt gut nfe+fz
k|:tfjljt af]g; z]o/
;6xL 36a9 sf]ifdf ;f/]sf]
a08 lkmtf{ hu]8f sf]ifdf ;f/]sf]
k"h
+ L ;dfof]hg sf]ifdf ;f/]sf]
k"h
+ L ;dfof]hg sf]ifaf6 ;f/]sf]
:yug s/ hu]8f sf]ifaf6 ;f/]sf]
nufgL ;dfof]hg sf]ifaf6 ;f/]sf]
cGo hu]8f sf]ifdf ;f/]sf]
nufgL ;dfof]hg sf]ifdf ;f/]sf]
k"h
+ Lut hu]8f sf]ifaf6 ;f/]sf]
z]o/ lk|ldod sf]ifaf6 ;f/]sf]
cfiff9 31, 2072 sf] df}Hbft
17,07,14,220
17,07,14,220
3,69,50,15,872
4,10,41,868
1,05,01,06,122 54,80,91,584
- (2,49,41,003)
- (32,52,071)
- 3,33,14,172
- (6,78,38,411)
6,78,38,411
- (45,19,08,416)
- 45,19,08,416
- (3,42,00,492)
32,52,071
-
-
- (7,14,28,572)
13,60,63,422
1,03,67,31,072 (1,03,67,31,072)
-
3,48,45,112
3,42,00,492
9,63,69,575 5,49,87,84,305
- (5,45,64,793
- 68,03,17,101
- 4,87,30,31,997
- 2,49,41,003
s'n /sd
?= df
- 4,87,30,31,997
- 7,14,28,572
6,44,620
6,44,620
:yugs/
nufgL cGo hu]8f
sf]if ;dfof]hg sf]if
tyf sf]if
91,40,42,700 1,00,00,00,000 6,78,38,411 3,33,14,172 2,81,93,074
z]o/ ;6xL 36a9

lk|ldod
sf]if
91,40,42,700 1,00,00,00,000 6,78,38,411 3,33,14,172 2,81,93,074
- (5,45,64,793)
- (13,60,63,422)
- 68,03,17,101
2,65,82,84,800
2,65,82,84,800
ljj/0f
z]o/ k"hL ;l~rt gfkmf ;fwf/0f hu]8f kF'hL ut hu]8f

-gf]S;fg_
sf]if
sf]if
cfly{s jif{ @)&!&@ sf]
OSjL6Ldf ePsf] kl/jt{g ;DjGwL ljj/0f
34
35
z]o/ kF"hL tyf :jfldTj

#! cfiff9 @)&@
cg';"rL !
ljj/0f
cfiff9 #!, @)&@
!= z]o/ kF"hL
1=1 clws[t kF"hL
s= 36,000,000 ;fwf/0f z]o/ k|lt z]o/ ?= 100 n]
v======== gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= 100 n]
u======== l/l*d]jn lk|km/]G; z]o/ k|lt z]o/ ?= 100 n]
1.2 hf/L kF"hL
s= 26,582,848 ;fwf/0f z]o/ k|lt z]o/ ?= 100 n]
v= ======= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= 100 n]
u= ======= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= 100 n]
1=3 r"Qmf kF"hL
s= 26,582,848 ;fwf/0f z]o/ k|lt z]o/ ?= 100 n]
v= ======= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= 100 n]
u= ======= l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ?= 100 n]
1.4 k|:tfljt jf]g; z]o/
1=5 sN; Og P8efG;
hDdf r'Qmf kF"hL
cfiff9 #!, @)&!
3,60,00,00,000 3,60,00,00,000
3,60,00,00,000
3,60,00,00,000
2,65,82,84,800
2,31,15,52,000
2,65,82,84,800 2,31,15,52,000
-
2,65,82,84,800 2,31,15,52,000
2,65,82,84,800
2,31,15,52,000
1,03,67,31,072 34,67,32,800
- 3,69,50,15,872 2,65,82,84,800
z]o/ :jfldTj ljj/0f

#! cfiff9 @)&@
ljj/0f
cfiff9 #!, @)&@
z]o/ kF"hL
cfiff9 #!, @)&!

%
z]o/ kF"hL
!= :jb]zL :jfldTj
1=1 g]kfn ;/sf/
- -
-
1=2 ju{sf Ohfhtkqk|fKt ;+:yfx?
-
-
-
1=3 cGo Ohfhtkqk|fKt ;+:yfx?
-
-
-
1=4 cGo ;+:yfx?
4.31
11,45,04,290
4.76
11,01,14,100
1=5 ;j{;fwf/0f 95.69
2,54,37,80,510
95.24 2,20,14,37,900
1=6 cGo
-
-
- @= j}b]lzs :jfldTj
- - - hDdf
100.00 2,65,82,84,800
100.00 2,31,15,52,000
36
)=% k|ltzt jf ;f] eGbf a9L

:jfldTj ePsf z]o/wgLsf] ljj/0f
?= df
#! cfiff9 @)&@
z]o/wgLsf] gfd

z]o/
;+Vof
k|ltzt
1=
25,39,153
9.55%
25,39,15,300
2=
14,18,347
5.34%
14,18,34,700
12,88,701
4.85%
12,88,70,100
11,72,999
4.41%
11,72,99,900
10,91,459
4.11%
10,91,45,900
10,06,789
3.79%
10,06,78,900
8,24,580
3.10%
8,24,58,000
8,24,431
3.10%
8,24,43,100
6,73,123
2.53%
6,73,12,300
6,48,111
2.44%
6,48,11,100
5,90,320
2.22%
5,90,32,000
6,06,102
2.28%
6,06,10,200
5,14,787
1.94%
5,14,78,700
3,72,281
1.40%
3,72,28,100
3,50,629
1.32%
3,50,62,900
lqnf]s rGb cu|jfn

;'jf; rGb| ;+3fO{
3= t'n;L /fd cu|jfn
4= /fd rGb| ;+3fO{
5= lgs'Gh cu|jfn
6= cg'h cu|jfn
7= nf]sdfGo uf]N5f
8= lbjfs/ uf]N5f
9= hubLz k|;fb cu|jfn
10= uf]ljGb nfn ;+3fO{
11= jf;'b]j uf]Nofg
12= czf]s s"df/ cu|jfn
13= cIfo uf]Nofg
14= g]kfn nfO{km OG:o'/]\G; sDkgL
15= slatf ;+3fO{
16= lgd{n s'df/ cu|jfn
17= ljzfn cu|jfn
18= lj/]Gb| s'df/ ;+3fO{
19= clk{t cu|jfn
20= ;'/]z s'df/ cu|jfn
/sd
2,74,519
1.03%
2,74,51,900
2,64,500
1.00%
2,64,50,000
2,62,098
0.99%
2,62,09,800
1,85,832
0.70%
1,85,83,200
1,56,867
0.59%
1,56,86,700
hu]8f tyf sf]ifx?

#! cfiff9 @)&@
cg';"rL @
ljj/0f
cfiff9 #!, @)&@ cfiff9 #!, @)&!
1= ;fwf/0fj}wflgs hu]8f sf]if
1,05,01,06,122
91,40,42,700
2= kFh
" Lut hu]8f sf]if 54,80,91,584 1,06,78,38,411
2=1 z]o/ lk|ldod
-
6,78,38,411
2=2 k"h
+ Lut hu]8f 54,80,91,584 1,00,00,00,000
" L lkmtf{ hu]8f sf]if
-
3= kFh
4= kFh
" L ;dfof]hg sf]if
-
13,12,14,687
2,88,37,694
5= cGo hu]8f tyf sf]if
5=1 e}k/L cfpg] hu]8f
-
5=2 ;+:yf ljsf; sf]if
-
-
5=3 nfef+z ;dLs/0f sf]if
-
-
5=4 ljz]if hu]8f sf]if
-
5=5 ;DklQ k'gd'N{ ofg sf]if
-
-
5=6 cGo :jtGq sf]if
2,49,41,003
5=7 a08 lkmtf{ hu]8f sf]if
7,14,28,572
5=8 :yug s/ hu]8f
-
2,81,93,074
5=9 nufgL ;dfof]hg sf]if
3,48,45,112
6,44,620
4,10,41,868
17,07,14,220
6= ;l~rt gfkmf-gf]S;fg_
7= ;6xL 36a9 sf]if
3,33,14,172
3,33,14,172
hDdf
1,80,37,68,433
2,21,47,47,197
37
C0fkq tyf a08

#! cfiff9 @)&@
ljj/0f
cg';"rL #
cfiff9 #!, @)&@ cfiff9 #!, @)&!
1= 7=25
k|ltzt NIC ASIA Bond k|lt a08 ? 1,000 n]

50,00,00,000
50,00,00,000
24 d] 2014 df hf/L eO{ 14 d] 2021 df r'Stf x'g
]
xfn;Ddsf] lkmtf{ hu]8f sf]ifdf /sd ? 71,428,572
hDdf
50,00,00,000
ltg{
af+sL shf{ -;fk6L_
#! cfiff9 @)&@
ljj/0f
s= :jb]zL
1= g]kfn ;/sf/
2= g]kfn /fi6 a}+s
3= l/kf] bfloTj
4= cGt/ a+}s tyf ljQLo ;+:yf
5= cGo ;+ul7t ;+:yfx?
6= cGo
v= ljb]zL
1= a}+sx?
2= cGo
s'n hDdf
50,00,00,000
cg';"rL $
o; jif{ ?=
ut jif{ ?=
- - -
- -
- - - - - - - - -
38
lgIf]k lx;fa
#! cfiff9 @)&@
ljj/0f

1= Jofh
cg';"rL %
cfiff9 #!, @)&@
cfiff9 #!, @)&!
?= df
?= df
ltg{' gkg]{ vftfx?

s= rNtL lx;fa 3,15,83,88,775
1,47,77,00,333
!= :jb]zL d'b|fdf 3,10,49,12,480
1,44,25,99,779
1=1 g]kfn ;/sf/
2,32,81,293
1,03,87,335
1=2 s ju{sf Ohfhtkq k|fKt ;+:yfx?
3,57,80,399
7,52,06,421
1=3 cGo Ohfhtkq k|fKt ljQLo ;+:yfx?
14,86,49,079
16,69,46,338
1=4 cGo ;+ul7t ;+:yfx?
2,75,30,01,008
1,08,07,59,610
1=5 JolQmut
14,06,37,333
10,56,86,114
1=6 cGo
35,63,368
36,13,961
2= ljb]zL d'b|fdf
5,34,76,295
3,51,00,554
2=1 g]kfn ;/sf/
-
35,84,822
3,77,790
-
4,84,68,753
3,45,93,357
2=5 JolQmut
14,22,721
1,29,407
2=6 cGo
-
v= dflh{g 34,57,89,897
19,74,64,043
1=:jb]zL d'b|fdf 34,57,89,897
19,74,64,043
1=1 sd{rf/L hdfgt
-
1=2 hdfgt dflh{g
18,81,26,397
7,84,79,223
1=3 k|lttkq dflh{g
15,76,63,500
11,89,84,820
@= ljb]zL d'b|fdf
-
2=1 sd{rf/L hdfgt
-
-
2=2 hdfgt dflh{g
-
-
2=3 k|lttkq dflh{g
-
-
u= cGo
2,80,42,396
1,17,02,259
!=:jb]zL d'b|fdf
1,26,71,443
13,79,305
1=1 ljQLo ;+:yfx?
-
1,11,22,240
5,50,000
1=3 JolQmut
15,49,204
8,29,305
@= ljb]zL d'b|fdf 1,53,70,952
1,03,22,954
2=1 ljQLo ;+:yfx?
-
-
2=3 JolQmut
1,53,70,952
1,03,22,954
Jofh ltg'{ gkg]{ vftfx?sf] hDdf
3,53,22,21,067
1,68,68,66,635
39
lgIf]k lx;fa
#! cfiff9 @)&@
ljj/0f

2=Jofh
cg';"rL % -v_
cfiff9 #!, @)&@
cfiff9 #!, @)&!
?= df
?= df
ltg'{ kg]{ vftfx?

s=art lx;fa
15,20,73,78,451
11,55,93,31,241
!= :jb]zL d'b|fdf
15,14,89,07,203
11,48,94,14,689
1=1 ;+3 ;+:yfx?
- -
1=2 JolQmut
15,14,89,07,203
11,48,94,14,689
1=3 cGo
- -
@= ljb]zL d'b|fdf 5,84,71,248
6,99,16,552
2=1 ;+3 ;+:yfx?
-
-
2=2 JolQmut
5,84,71,248
6,99,16,552
2=3 cGo
-
-
v=d"2tL lx;fa
18,85,37,64,173
18,22,81,80,701
1= :jb]zL d'b|fdf
18,06,32,93,814
17,49,08,40,944
1=1 ;+3 ;+:yfx?
12,90,41,41,569
13,62,00,64,919
1=2 JolQmut
5,15,91,52,246
3,87,07,76,025
1=3 cGo
-
-
2= ljb]zL d'b|fdf
79,04,70,359
73,73,39,757
2=1 ;+3 ;+:yfx?
78,38,15,559
73,05,02,457
2=2 JolQmut
66,54,800
68,37,300
2=3 cGo
-
-
u= dfu]sf] avt ltg'{ kg]{ lx;fa
15,88,38,20,547
13,50,98,39,890
1= :jb]zL d'b|fdf
15,50,59,04,640
12,96,27,22,231
-
-
3,81,54,76,961
4,69,99,93,591
9,96,90,05,456
6,67,62,66,666
1=4 JolQmut
1,72,14,22,223
1,58,64,61,974
1=5 cGo
-
-
2= ljb]zL d'b|fdf 37,79,15,908
54,71,17,659
32,089
29,732
-
-
34,67,45,611
51,22,16,068
2=4JolQmut
3,11,38,207
3,48,71,859
2=5 cGo
-
-
#= ;l6{lkms]6 ckm l8kf]lh6 -
!= ;+ul7t ;+:yfx?
-
-
@= JolQmut
-
#= cGo
-
-
Jofh ltg{' kg]{ vftfx?sf] hDdf
49,94,49,63,171
43,29,73,51,832
hDdf lgIf]k 53,47,71,84,239
44,98,42,18,467
40
e'QmfgL lbg' kg]{ ljnx?

#! cfiff9 @)&@
cg';"rL ^
cfiff9 #!, @)&@
cfiff9 #!, @)&!
?= df
?= df
d'b|fdf
2= ljb]zL d'b|fdf
2,84,11,886
2,83,00,947
1,26,06,100
1,82,42,954
hDdf
4,10,17,986
4,65,43,901
ljj/0f

1= :jb]zL
cGo bfloTj
#! cfiff9 @)&@
ljj/0f

1=
pkbfg tyf ljbf Joj:yf

2= sd{rf/L ;~ro sf]if
3= sd{rf/L sNof0f sf]if
4= sd{rf/L af]g; Joj:yf
5= lgIf]kdf e'QmfgL lbg af+sL Jofh
6= ;fk6Ldf e'QmfgL lbg af+sL Jofh
7= kfsL g;s]sf] l8:sfp06 / sldzg
8= ;08L qm]l86;{
9= zfvf ldnfg lx;fj
10=:yug s/ bfloTj
11= e'QmfgL lbg af+sL nfef+z
12=cGo
s= ljbf jfktsf] Joj:yf
v= NIC ASIA Bond df e'QmfgL lbg af+sL Jofh
u= cGo e'QmfgL lbg af+sL
hDdf
cg';"rL &
cfiff9 #!, @)&@
cfiff9 #!, @)&!
?= df
?= df
- -
9,70,69,046
11,89,81,867
34,42,16,010
27,67,71,804
1,78,58,169
84,58,567
20,58,23,419
10,82,67,921
16,42,15,185
14,73,77,560
11,85,83,837
9,01,00,916
3,82,77,455
3,34,69,257
1,81,25,000
62,56,849
6,21,81,382
5,03,74,810
94,77,65,667
74,99,58,635
gub df}Hbft
#! cfiff9 @)&@
ljj/0f
1=
:jb]zL d'b|fdf -l;Ssf ;d]t_

2= ljb]zL d'b|fdf
hDdf
cg';"rL *
o; jif{ ?= df
ut jif{ ?= df
1,02,24,92,340
77,01,15,792
1,90,74,201
60,21,375
1,04,15,66,541
77,61,37,167
41
g]kfn /fi6 a}+sdf /x]sf] df}Hbft

#! cfiff9 @)&@
ljj/0f

:jb]zL

d'bf|
ef= ?=

cg';"rL (
o; jif{ ?=
ut jif{ ?=
ljb]zL d'bf|
s'n
kl/jTo{
hDdf
hDdf
lj= d'=
1= g]kfn
/fi6 a}s
+ 4,67,24,12,572
9,05,42,478
9,05,42,478 4,76,29,55,049 5,18,65,48,301
s=rNtL vftf 4,67,24,12,572
- 9,05,42,478
9,05,42,478 4,76,29,55,049 5,18,65,48,301
- -
-
-
-
v=cGo vftf
hDdf
4,67,24,12,572
- 9,05,42,478
9,05,42,478 4,76,29,55,049 5,18,65,48,301
g]kfn /fi6 a}+ssf] ;dy{gkq cg';f/sf] s"n df}Hbft ?=4,79,92,28,029
a}+s ljQLo ;+:yfdf /x]]sf] df}Hbft

#! cfiff9 @)&@
ljj/0f

:jb]zL

d'bf|
ef= ?=

cg';"rL !)
o; jif{ ?=
ljb]zL d'bf|
kl/jTo{
hDdf
lj= d'=
ut jif{ ?=
s'n
hDdf
1= :jb]zL
a}s
+ tyf Ohfhtkq
k|fKt ;+:yfx?
22,34,00,493
-
44,168
44,168
22,34,44,660
13,75,90,835
s=rNtL vftf
22,34,00,493
-
44,168
44,168
22,34,44,660
13,75,90,835
v=cGo vftf
-
- - - - @= ljb]zL a}s
+ x?
- 32,02,03,713
32,43,44,035
64,45,47,748
64,45,47,748
1,08,31,14,467
s=rNtL vftf
- 32,02,03,713
32,43,44,035
64,45,47,748
64,45,47,748
1,08,31,14,467
v=cGo vftf
-
- - - - hDdf
22,34,00,493 32,02,03,713
32,43,88,203
64,45,91,915
86,79,92,408
1,22,07,05,302
;DalGwt Ohfhtkqk|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s'n df}Hbft ?
93,33,17,786
dfu tyf cNk;"rgfdf k|fKt x'g] /sdx?

#! cfiff9 @)&@
ljj/0f
1=:jb]zL
2=ljb]zL
hDdf
cg';"rL !!
o; jif{ ?=
d'b|fdf
d'b|fdf
ut jif{ ?=
- - - -
42
nufgL
#! cfiff9 @)&@ -!^ h'nfO{ @)!%_
cg';"rL !@
ljj/0f
o; jif{ ?=
ut jif{ ?=
k|of]hg
hDdf

Jofkfl/s
cGo
1=
3,77,48,22,600
2=
g]kfn ;/sf/sf] 6]h/L ljn

-
3,41,96,27,583
3,41,96,27,583
g]kfn ;/sf/sf] artkq
-
-
-
-
2,73,89,75,597
2,73,89,75,597
3= g]kfn ;/sf/sf] cGo C0fFkq
4= g]kfn /fi6 a}+s C0fFkq
-
-
-
-
18,81,98,760
18,81,98,760
5= ljb]zL C0fFkq
6= :jb]zL Ohfhtkqk|fKt ;+:yf
-
-
-
7= ljb]zL a}+s
-
84,73,44,000
84,73,44,000
-
23,13,32,324
23,13,32,324
8= ;+ul7t ;+:yfx?sf] z]o/
9= ;+ul7t ;+:yfx?sf] l8j]Gr/ tyf j08
-
-
-
-
2,69,89,34,772
2,69,89,34,772
10= cGo nufgL
s= g]kfn /fi6 a}+sdf nufgL
2,60,00,00,000
2,60,00,00,000
v= Do"rn km08
9,89,34,772
9,89,34,772
s'n nufgL
-
10,12,44,13,035
10,12,44,13,035
Joj:yf
3,32,345
3,32,345
v'b nufgL
10,12,40,80,690
1,84,61,22,263
17,83,81,305
9,63,00,000
53,35,02,000
5,62,42,500
6,48,53,70,668
-
6,48,53,70,668
43
z]o/, l8j]Gr/ tyf j08df nufgL

#! cfiff9 @)&@ -!^ h'nfO{ @)!%_
ljj/0f

cg';"rL !@ -s_
k/n df]n
o; jif{ ?=
ahf/ d'No Joj:yf
ut jif{ ?=
/sd ?=
!= z]o/df nufgL
!=! u|fld0f n3'ljQ ljsf; s]Gb| ln=
2,52,31,000 ;'lrs[t ePsf] -gf]6 @_
- 2,52,31,000 2,52,31,000
-2,77,541 lsQf ;fwf/0f z]o/ ?= !)) sf]_
-25,231 lsQf jf]gz z]o/ ;dfj]; %_

-ut jif{ 2,52,310 lsQf ;fwf/0f z]o/ ?= 100 sf b/n]_
!=@ shf{ ;'rgf s]Gb| ln=
16,11,500
;'lrs[t gePsf]
-
16,11,500
16,11,500
-42,013 lsQf ;fwf/0f z]o/ ?= 100 sf]_
-25,898 lsQf jf]gz z]o/ ;dfj]; %_

-ut jif{ 42,013 lsQf ;fwf/0f z]o/ ?= 100 sf b/n]_
1=3 g]kfn Sn]l/ xfp; ln=
50,00,000
;'lrs[t gePsf]
- 50,00,000 50,00,000
-50,000 lsQf ;fwf/0f z]o/ ?= 100 sf]_

1=4 g]zgn a}+ls 6]lg OG;l6Ro'6
24,00,000
;'lrs[t gePsf]
- 24,00,000 24,00,000
-24,000 lsQf ;fwf/0f z]o/ ?= 100 sf]_

1=5 d]/f] dfOqmf] kmfOgfG; lnld6]8
1,40,00,000
;'lrs[t gePsf]
- 1,40,00,000 70,00,000
-1,40,000 lsQf ;fwf/0f z]o/ ?= 100 sf]_

1=6 g]kfn On]S6|f]lgs k]d]G6 l;i6d
1,50,00,000
;'lrs[t gePsf]
- 1,50,00,000 1,50,00,000
-1,50,000 lsQf ;fwf/0f z]o/ ?= 100 sf]_
1=7 g]kfn b"/ ;~rf/ sDklg lnld6]8
12,39,52,890
12,61,56,960
- 12,39,52,890
-1,98,360 lsQf ;fwf/0f z]o/ ?= 100 sf]_

-ut jif{ gePsf]_
1=8 lrlnd] xfO8|f] kfj/ sDkgL lnld6]8
3,25,65,963
3,48,76,809
- 3,25,65,963
-20,723 lsQf ;fwf/0f z]o/ ?= 100 sf]_

-ut jif{ gePsf]_
1=9 a'6jn kfj/ sDklg lnld6]8
73,54,236
74,36,084
-
73,54,236
-12,052 lsQf ;fwf/0f z]o/ ?= 100 sf]_

-ut jif{ gePsf]_
1=10 c?0f EofnL xfO8|f] kfj/ lnld6]8
42,16,735
38,89,886 3,26,849
42,16,735
-12,194 lsQf ;fwf/0f z]o/ ?= 100 sf]_

-ut jif{ gePsf]_
2= l8j]Gr/, j08 tyf ;fd"lxs nugfLsf]ifdf nufgL
9,89,34,772
10,02,45,157
5,496 9,89,34,772
2=1 l;4fy{ OlSj6L l:sd
-51,44,489 lsQf ?= 10 sf]_, -ut jif{ gePsf]_
5,13,50,388
5,23,70,898
- 5,13,50,388
2=2 PgcfO{laPn ;Da[l4 km08
-30,87,688_ lsQf ?= 10 sf]_, -ut jif{ gePsf]_
3,08,90,278
3,11,85,649
- 3,08,90,278
2=3 PgPdaL ;"ne km08
-16,68,861_ lsQf ?= 10 sf]_, -ut jif{ gePsf]_
1,66,94,106
1,66,88,610
5,496 1,66,94,106
s'n
33,02,67,095 5,62,42,500
# hf]lvd ;DaGwL Joj:yf
3=1 ut jif{ ;Ddsf] Joj:yf
-
-
3=2 o; jif{sf] yk -36_

3,32,345
3,32,345
s'n Joj:yf
- 3,32,345
3,32,345
v"b nufgL
32,99,34,750 5,62,42,500
gf]6M
!= g]kfn lSnol/ xfp;, g]kfn On]S6f]lgs k]d]G6 l;:6d / d]/f] dfOqmf] kmfO{gfG;\ ljlQo ;+:yf lnld6]8af6 nfef+z k|fKt gePsf] .
@= pQm ;+:yfks z]o/ g]K;]df ;"rLs[t ePtfklg ;f] z]o/sf] jf;nftsf] lbg ;Dd sf/f]af/ gePsf]n] ahf/ d'No lglZrttfsf ;fy lgwf{0f
ug{ g;lsPsf] .
44
Jofkfl/s nufgL (Held for Trading)

#! cfiff9 @)&@ -!^ h'nfO{ @)!%_
cg';"rL !@=!
ljj/0f
k/n d'No
kl5Nnf]
xfnsf] o; jif{
ut jif{ s}lkmot

ahf/ d'No ahf/ d'No
gfkmf
gfkmf

-s_
-v_ -gf]]S;fg_ -gf]]S;fg_
1= g]kfn
- - -
2= g]kfn
;/sf/sf] 6]h/L ljn

;/sf/sf] artkq
3= g]kfn ;/sf/sf] cGo C0fkq
4= g]=/f=a+}s C0fkq
5= ljb]zL C0fkq
6= :jb]zL Ohfhtkq k|fKt ;+:yfsf] z]o/
7= :jb]zL Ohfhtkq k|fKt ;+:yfsf]
l8j]Gr/ tyf a08
8= :jb]zL ;+ul7t ;+:yfsf] z]o/,
l8j]Gr/ tyf a08
9= ljb]zL a+}s nufgL
10=cGt/ a+}s ;fk6L
11= cGo nufgL
s'n nufgL
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity)

#! cfiff9 @)&@ -!^ h'nfO{ @)!%_
ljj/0f
k/n d'No xfn;Ddsf] o; jif{sf] o; jif{ gfkmf

-s_
Iflt
Iflt -gf]]S;fg_/sd
/sd-v_ /sd -u_
-s v u_
1= g]kfn
cg';"rL !@=@
ut jif{ gfkmf
-gf]]S;fg_
/sd
s}lkmot
;/sf/sf] 6]h/L ljn 3,41,96,27,583

-
-
-
-
;/sf/sf] artkq
- - -
-
-
3= g]kfn ;/sf/sf] cGo C0fkq 2,73,89,75,597
-
-
-
-
4= g]=/f=a}s C0fkq
- - -
-
-
5= ljb]zL C0fkq
18,81,98,760 - -
-
-
a08
6= :jb]zL Ohfhtkq k|fKt
;+:yfsf] z]o/
- - -
-
-
;+:yfsf] l8j]Gr/ tyf a08
- - -
-
-
8= :jb]zL ;+ul7t ;+:yfsf] z]o/,
l8j]Gr/ tyf a08
- - -
-
-
9= ljb]zL a+}s nufgL 84,73,44,000 - -
-
-
10=cGo nufgL
2,60,00,00,000 - -
-
- g]kfn /fi6
a}+sdf nufgL
s'n nufgL
9,79,41,45,940 - -
- -
2= g]kfn
45
laqmLsf] nflu pknAw nufgL (Avaialble for Sale)

#! cfiff9 @)&@ -!^ h'nfO{ @)!%_
cg';"rL !@=#
ljj/0f
k/n d'No kl5Nnf]
xfnsf] o; jif{ /sd ut jif{gfkmf
ahf/ d'No ahf/ d'No sf]if ;dfof]hg -gf]]S;fg_

-s_
-v_
-s v_ /sd
1= g]kfn
;/sf/sf] 6]h/L ljn

- - -
2= g]kfn ;/sf/sf] artkq
- - -
3= g]kfn ;/sf/sf] cGo C0fkq
- - -
- - -
4= g]=/f=a}s C0fkq
5= ljb]zL C0fkq
- - -
;+:yfsf] z]o/
- - -
- - -
;+:yfsf] l8j]Gr/ tyf a08
8= :jb]zL ;+ul7t ;+:yfsf]
z]o/, l8j]Gr/ tyf a08
23,13,32,324
-
-
- - -
9= ljb]zL a+}s nufgL (Placement)
10=cGo nufgL
9,89,34,772
-
-
s'n nufgL
33,02,67,096
- -
s}lkmot
Do'rn km08
shf{
:jb]zL
k|f= If]=
ljldt cljldt
cGo
1= ;lqmo
41,369
-
41,369

54,60,845
1,47,62,759
2,02,23,604
55,02,214
1,47,62,759
2,02,64,973
35,64,23,078
51,672
78,84,962
79,36,634
-
-
-
-
-
-
4,52,91,413
-
-
11,75,84,317
-
-
45,35,76,909
-
-
97,28,75,717
51,672
78,84,962
79,36,634
15,51,73,336
34,77,17,982
(10,303)
1,23,38,642
1,23,28,339
19,25,44,647
(10,303)
1,23,38,642
1,23,28,339
40,87,62,42,243
40,95,565 1,26,39,98,880 12,68,09,445
37,62,40,588
7,03,83,319
-
4,53,80,384
4,35,00,255
62,99,15,818
1,16,54,20,364
36,43,59,712
-
-
4,52,91,413
11,75,84,317
45,35,76,909
98,08,12,351
-
36,00,46,322
20,48,72,986
42,14,43,36,688

38,17,42,802
8,51,46,078
-
4,53,80,384
4,35,00,255
62,99,15,818
1,18,56,85,337
41,36,934 54,60,84,523 55,02,21,457 38,17,42,80,253

- 73,81,37,961
73,81,37,961 4,25,73,03,905
-
-
- 89,84,37,866
-
-
-
-
-
-
-
18,15,21,537
-
-
-
8,70,00,511
-
-
- 62,99,15,818
41,36,934 1,28,42,22,484 1,28,83,59,418 43,33,00,22,025
37,62,40,58,796

3,51,91,65,945

89,84,37,866
-
18,15,21,537
8,70,00,511
62,99,15,818
42,04,16,62,606

41,36,934 1,28,42,22,484 1,28,83,59,418 42,43,15,84,159
41,14,32,24,740
ljb]zL
v/Lb tyf l8isfpG6 ul/Psf lan

s'n shf{
hDdf :jb]zL ljb]zL hDdf
tyf
lan v/Lb
o; jif{ ?=
31,66,38,273
5,25,37,348
5,47,17,392
43,27,58,657
85,66,51,670
13,48,92,830
25,90,53,511
12,41,60,681
36,32,50,70,073
4,52,91,413
11,75,84,317
45,35,76,909
98,08,12,351
36,43,59,712
36,43,59,71,231
86,99,11,193
18,11,65,651
23,51,68,633
45,35,76,909
37,30,58,82,424
36,43,59,71,231
ut jif{ ?=
cg';"rL !#
shf{ ;fk6 - 1,78,88,92,199 39,35,43,32,542

1=1 c;n
- 1,75,76,62,875 35,86,63,95,921
-
3,12,29,324 3,48,79,36,621
1=2 ;'Id lgu/fgL
-
2,01,56,469
87,82,81,397
2= lg:qmLo shf{ ;fk6
-
-
-
2=1 k'g/;+/rgf ul/Psf]
-
-
18,15,21,537
2=2 sd;n
-
-
8,70,00,511
2=3 z+sf:kb
-
2,01,56,469
60,97,59,349
2=4 v/fa
s= sn
' shf{
- 1,80,90,48,668 40,23,26,13,938
3= shf{ gf]S;fgL Joj:yf
3=1 c;n
-
1,75,76,629
35,86,63,959
-
6,24,586
6,97,58,732
3=2 ;'Id lgu/fgL
-
-
-
-
- 4,53,80,384
3=4 sd;n
-
-
4,35,00,255
3=5 z+sf:kb
-
2,01,56,469
60,97,59,349
3=6 v/fa
v= sn
' Joj:yf - 3,83,57,684 1,12,70,62,679
4= ut jif{ ;Ddsf] Joj:yf
4=1 c;n
-
1,52,04,068
34,12,19,010
-
-
-
4=2 ;'Id lgu/fgL
-
-
-
-
-
4,52,91,413
4=4 sd;n
-
- 11,75,84,317
4=5 z+sf:kb
-
2,01,54,242
43,34,22,667
4=6 v/fa
u= ut jif{ ;Ddsf] s'n Joj:yf
-
3,53,58,310
93,75,17,407
3= ut jif{sf] Joj:yfaf6 lkmtf{

-
15,51,73,336
= o; jif{sf] yk Joj:yf
29,99,374
34,47,18,608

29,99,374
18,95,45,272
o; jif{sf] v"b yk36
v"b shf{ tyf lan v/Lb -sv_
1,77,06,90,984 39,10,55,51,259
ljj/0f

#! cfiff9 @)&@
shf{ ;fk6L tyf lan vl/b
46
47
shf{, ;fk6 / ljN; vl/bsf] ;''/If0F

#! cfiff9 @)&@
ljj/0f
cg';"rL !# -s_
o; jif ?=df
ut jif{ ?=df
s= ;''/lIft
43,33,00,22,025
37,30,58,82,424
1= rncrn ;DklQsf] ;'/If0fdf
37,96,67,02,712
33,44,81,70,509
2= :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf
- 3= ;/sf/L hdfgtdf
21,65,34,274
21,63,58,499
4= cGt/{fli6o >]0fLs[t a}+ssf] hdfgtdf
- 5= lgof{t sfuhftsf] ;/If'0fdf
24,42,000
24,42,000
6= d''2tL /;Lbsf] ;''/If0fdf
32,23,35,523
34,42,48,559
s= ;+:yfsf] cfkm\g} d'2tL /;Lbsf] ;''/If0f
32,23,35,523
34,42,48,559
v= cGo O= k|f= ;+:yfsf] d'2tL /;Lbsf] ;''/If0f
- 7= ;/sf/L C0fkqsf] ;''/If0fdf
- 8= sfp06/ hdfgtdf
- 9= JolQmut hdfgtdf
- 10=cGo ;'/If0fdf
4,82,20,07,516
3,29,46,62,857
v= c;''/lIft
- hDdf
43,33,00,22,025
3,73,058,82,424
cg';"rL !$
s= ut jif{sf] df}Hbft
9,47,57,473
14,50,66,015
4,08,55,261
28,11,32,764
8,97,27,021
65,15,38,534 61,55,80,117
v= o; jif{sf] yk
29,18,529
3,43,11,500
29,65,300
4,30,76,022
2,15,24,090
10,47,95,441
6,03,80,566
u= o; jif{sf] k'gd'{Nofgk"gn]{vg
-
- - - -
- 3= o; jif{sf] laqmL
- (2,47,88,922)
-
(12,90,190)
(7,39,975)
(2,68,19,087) (2,09,30,358)
= o; jif{sf] ckn]vg
-
-
-
-
-
-
(34,91,791)
s'n -svu3_ k/n df]n
9,76,76,002
15,45,88,593
4,38,20,561
32,29,18,597
11,05,11,136
72,95,14,888 65,15,38,534
2= Xf; sL
s= ut jif{;Ddsf]
1,31,83,733
8,86,89,873
2,87,36,714
18,39,14,912
6,24,63,098
37,69,88,330 34,52,44,386
v= o; aif{sf]
41,38,379
1,36,17,490
36,47,407
2,92,49,514
94,81,271
6,01,34,061 4,87,19,208
u= Xf;sL k'gd{'nofgk'gn]{vg
-
- - - -
- 3= Xf;sL /sd ;dfof]hglkmtf{
- (1,67,08,762)
-
(10,54,246)
(6,38,228)
(1,84,01,236) (1,69,75,264)
s'n Xf; sL
1,73,22,112
8,55,98,601
3,23,84,121
21,21,10,180
7,13,06,140
41,87,21,155 37,69,88,330
3= a's Eofn' -1-2)
8,03,53,890
6,89,89,992
1,14,36,440
11,08,08,416
3,92,04,996
31,07,93,733 27,45,50,204
4= hUuf
14,03,20,227 14,03,20,226
5= kF"hL ut lgdf{0f -kF"hLs/0f ul/g' kg{]_
-
24,25,389
6= nLh xf]N8 ;Dklt
11,57,51,803 10,60,24,135
hDdf 3 +4+5+ 6
8,03,53,890
6,89,89,992
1,14,36,440
11,08,08,416
3,92,04,996
56,68,65,762 52,33,19,954
ljj/0f
;DklQ

ejg
kl/jxg
d]lzg/L
sfof{no
cGo
o; jif{ ?=
ut jif{ ?=

;fwg
;fdfg tyf

pks/0f
1= k/n df]n
#! cfiff9 @)&@ -!^ h'nfO{ @)!%_
l:y/ ;DklQ
48
49
u}/ a}+ls ;DklQ

#! cfiff9 @)&@
C0fL jf kf6L{sf]
gfd 7]ufgf

cg';"rL !%
u}= a}+=
;DklQ ;sf/
u/]sf] ldlt
s"n u}= a}+=

gf]S;fgL Joj:yf
v'b
/sd
/sd
;Dklt
/sd
!= s]bf/ cof{n / lgd{n a]lgof/

10/9/2012
74,55,700 100
74,55,700
@= sf7df08f} ckm;]6
10/9/2012
2,26,02,045 100
2,26,02,045
#= cf]/]G6n laN8;{
1/20/2013
23,99,34,542 100 23,99,34,542
hDdf
26,99,92,287 26,99,92,287
u}/ a}+ls ;DklQdf gf]S;fgL Joj:yf
!= ut jif{ ;Ddsf] Joj:yf
@= o; jif{sf] yk -36_
s'n Joj:yf
v'b u}/ a}+ls ;DklQ
ut jif{
3,17,55,700
2,62,02,045
23,99,34,542
29,78,92,287
- -
- 29,78,92,287
- -
cGo ;DklQ
#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

ljj/0f
1=
cg';"rL !^
o; jif{ ?=
ut jif{ ?=
d;nGb df}Hbft
77,06,710 1,06,83,364
2= nufgLdf c;'n ug{ af+sL cfDbfgL
2,19,57,762
2,65,12,183
3= shf{df c;'n ug{ af+sL Jofh
34,03,31,291
-
32,32,58,763
Go'gM Jofh d'NtjL /sd
(34,03,31,291) (32,32,58,763)
4= c;'n ug{ af+sL sldzg
-
5= ;G8L 8]6;{\
47,20,66,244
39,56,60,128
6= sd{rf/L ;fkf6L / k]ZsL
27,62,22,571
23,36,17,772
7= cu|Ld e"QmfgL
18,02,90,746
22,44,70,463
8= dfu{:y gub
-
9= dfu{:y cGo -r]s ;d]t_
-
10= lagf ;'rgf 8fkm\6sf] e'QmfgL
-
11= ckn]vg x'g af+sL vr{
26,75,619
1,15,30,141
12= zfvf ldnfg lx;fa
-
13= :yug s/ ;DklQ
2,49,41,003 2,81,93,074
14= cGo
2,57,41,422
5,26,67,210
s= l;Ssf
60,199
55,199
v= vl/b ;DklQ rf+lb
1,14,000
12,63,500
u= ;'g tyf rf+bLsf] l;Ssfsf] df}Hbft
22,32,025
1,17,09,935
3= sDKo'6/ ;km\6jo/ -ckn]vg x'+g af+sL_
2,33,35,198
1,97,19,915
= clu|d cfos/
-
1,99,18,661
hDdf
1,01,16,02,07
98,33,34,335
50
cGo ;DklQ -yk ljj/0f_

#! cfiff9 @)&@
cg';"rL !^ -s_
ljj/0f

! jif{
! jif{ b]lv

;Dd
# jif{ ;Dd
1= shf{df
c;'n ug{ af+sL Jofh

2= lagf ;"rgf 8fkm\6sf] e'QmfgL
3= zfvf ldnfg lx;fa
4= :jb]zL ljbzL Ph]G;L lx;fa
hDdf
12,22,59,988
o; jif{ ?=
# jif{eGbf
hDdf
dfly
14,09,56,303
7,71,14,998
ut jif{ ?=
34,03,31,291
32,32,58,763
12,22,59,988
14,09,56,303
7,71,14,998
34,03,31,291
32,32,58,763
;Defljt bfloTjx?
#! cfiff9 @)&@
ljj/0f
1=
cg';"rL !&
o; jif{ ?=
ut jif{ ?=
;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] /sd

- k|lttkqx? -dflh{g g36fO{ k"/f /sd_
2,04,32,24,439
1,27,75,80,103
s= ^ dlxgf eGbf sd cjlwsf]
1,96,06,75,297
1,25,68,36,219

v= ^ dlxgf eGbf a9L cjlwsf]
8,25,49,142
2,07,43,884
3= k'gM l8:sfpG6 ul/Psf lanx?
- 4= Dofb gfl3 g;s]sf] Uof/]G6La08
1,08,58,61,927
1,04,98,79,059
s= la8 a08
4,17,99,267
8,50,38,861

v= k/km/d}G; a08
1,04,40,62,660
96,48,40,198

u= cGo Uof/]06La08
- 5= r'Qmf jf e'Qmfg x'g af+sL z]o/ nufgL
- 6= km/jf8{ PS:r]~h sG6fS6sf] af+sL bfloTjx?
1,87,98,79,527
1,31,22,51,410
7= sn]S;gdf /x]sf lanx?
3,21,96,931
6,01,51,458
8= d~h'/L tyf ;dy{g -Acceptence & Endorsement)
32,71,00,170
23,03,70,646
9= k|Tofe'lt k|ltatf -Underwriting Commitment)
- 10= ckl/jTo{ shf{ k|ltatf -Irrevocable Loan Commitment)
2,63,24,79,360
1,74,68,78,746
11= cGt/f{li6o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L
84,56,47,874
80,05,30,799
12= clu|d e'QmfgL Uof/]06L -Advance Payment Guarantee)
94,345,096
7,56,17,648
13= shf{ k|jfxsf] nflu ljQLo hdfgt -Financial Guarantee)
- 14= cfos/ jfkt ;Defljt bfloTj -Contingent Liabilities on Income Tax)
13,43,47,104
5,77,85,935
15= ============================
- hDdf
9,07,50,82,427
6,61,10,45,804
2=
51
Jofh
cfDbfgL
ljj/0f
cg';"rL !*
rfn' jif{ ?=
ut aif{ ?=
s= shf{ ;fk6 / clwljsif{df

3,69,42,92,579
3,71,09,49,745
2,70,14,01,361
2,68,25,84,141
1= shf{ ;fk6
99,28,91,219
1,02,83,65,604
2= clwljsif{
v= nufgLdf
19,45,33,612 26,82,19,657
16,82,84,183
24,24,52,220
1=g]kfn ;/sf/sf] C0fkq
2,93,55,488
6,81,07,635
s=6]h/L laN;
13,89,28,695
17,43,44,585
v=ljsf; C0fkq
- u=/fli6o artkq
1,35,08,102
1,30,80,150
2= ljb]zL C0fkq
1,35,08,102
1,30,80,150
s=8n/ j08
- v=============================
- 3= g]kfn /fi6 a}+ssf] C0fkq
- 4= l8j]Gr/ tyf a08
1,27,41,327
1,26,87,287
5= cGt/ a}+s nufgLdf Jofh
1,27,41,327
1,26,87,287
s=a}+sljQLo ;+:yfx?
- v=cGo ;+:yfx?
u= Ph]G;L df}Hbftdf
4,01,793
2,90,421
- 1= :jb]zL a}+sljQLo ;+:yfx?
4,01,793
2,90,421
2= ljb]zL a}+sx?
3= dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf
48,866
91,359
48,866
91,359
1= :jb]zL a}+sljQLo ;+:yfx?
- 2= ljb]zL a}+sx?
= cGodf 2,84,82,607
1,54,53,929
- 1= ;l6{lkms]6 ckm l8kf]lh6
- 2= cGt/ a}+s ljQLo ;+:yf shf{
1,39,03,932
1,54,53,929
3= cGo
hDdf
3,91,77,59,458
3,99,50,05,111
52
Jofh vr{
ljj/0f
s= lgIf]k bfloTjdf
1= d'2tL lgIf]kdf
1=1 :jb]zL d'b|f
1=2 ljb]zL d'b|f
2= art lgIf]k
2=1 :jb]zL d'b|f
2=2 ljb]zL d'b|f
3= dfu]sf] avt ltg'{kg]{ lgIf]k
3=1 :jb]zL d'b|f
3=2 ljb]zL d'b|f
4= ;l6{lkms]6 ckm l8kf]lh6;\
v= shf{ ;fk6df
1= C0fkq tyf a08
2= g]kfn /fi6 a}+saf6 k|fKt shf{
3= cGt/ a}+sljQLo ;+:yf shf{
4= cGo ;+ul7t ;+:yf
cGo shf{
5.
u= cGodf
1= =======================
2= =======================
hDdf
cg';"rL !(
rfn' jif{ ?=
ut aif{ ?=
2,29,99,16,617 2,18,89,01,589
1,18,19,45,289
1,30,11,57,941
1,16,63,51,293
1,27,63,51,667
1,55,93,996
2,48,06,274
54,46,15,642
49,82,64,223
54,40,70,866
49,77,73,340
5,44,776
4,90,883
57,33,55,685
38,94,79,425
56,43,17,699
38,03,25,799
90,37,986
91,53,626
- 4,03,71,123
78,80,986
3,62,50,000
62,56,849
- 41,21,123
16,24,137
- - - - - -
2,34,02,87,740
2,19,67,82,575
sldzg tyf l8:sfpG6

ljj/0f
cg';"rL @)
rfn' jif{ ?=
ut jif{ ?=
s= laN; v/Lb tyf l8:sfpG6

1,94,95,711
1,82,13,528
1= :jb]zL
1,29,949
78,509
2= ljb]zL
1,93,65,762
1,81,35,019
v= sldzg
7,54,70,349
7,09,58,060
1= k|lttkq
2,69,69,415
2,72,26,402
1,57,16,347
1,69,46,647
2= hdfgtkq
3= sn]S;g kmL
29,06,180
32,39,893
4= /]ld6]G; kmL
2,35,53,593
1,59,65,021
5= qm]l86 sf8{
- 6= z]o/ k|Tofe'lt lgisfzg
- 7= ;/sf/L sf/f]jf/ jfkt
- 8= O= k|f= sldzg jfkt
63,24,816
75,80,097
9= af cfDbfgL*
- u= cGo
3,66,57,454
5,40,10,285
1= a'lnog sldzg
1,13,17,234
3,09,39,800
2= cGo
2,53,40,219
2,30,70,485
hDdf
13,16,23,514
14,31,81,873
* af cfDbfgLnfO{ 5'} gb]vfO{ ;6xL 36a9 cfDbfgL -gf]S;fg_ df ;dfj]z ul/Psf] 5 .
53
cGo ;~rfng cfDbfgL

cg';"rL @!
ljj/0f
rfn' jif{ ?=
ut jif{ ?=
1= ;]km
44,87,111
36,04,963
l8kf]lh6 eN6sf] ef8f

2= q]ml86sf8{ lgisfzg tyf gjLs/0f
3= P= l6= Pd= sf8{ lgisfzg tyf gjLs/0f
4= 6]n]S;l6= l6
5= ;]jf z'Ns
6= gjLs/0f z'Ns
7= cGo
hDdf
- 82,20,505
84,22,954
53,58,733
53,48,369
18,17,34,987
13,78,33,147
3,55,58,631
2,37,20,162
3,13,52,798
1,74,73,504
26,67,12,765
19,64,03,099
;6xL 36a9 cfDbfgL -gf]S;fg_
ljj/0f
s= ljlgdo b/df ePsf] km/saf6

v= ljb]zL d'b|f sf/f]af/af6 -af ;d]t_
hDdf
cg';"rL @@
rfn' jif{ ?=
ut jif{ ?=
(5,40,028)
2,52,00,007
12,69,42,973
7,58,26,286
12,64,02,945
10,10,26,293
sd{rf/L vr{
ljj/0f
1= tnj
2= eQf
3= ;~rosf]ifdf
4= tflnd
yk
vr{
5= kf]zfs
6= cf}ifwf]krf/
7= aLdf
8= k]Gzg
9= cGo
hDdf
tyf pkbfg vr{
cg';"rL @#
rfn' jif{ ?=
ut jif{ ?=
15,99,05,495
15,86,39,594
15,68,41,199
12,87,63,682
1,49,12,166
1,45,03,473
57,10,113
38,12,914
47,17,825
20,10,356
- 51,78,101
53,15,858
1,82,61,502
1,10,52,474
5,62,51,192
5,43,42,129
42,17,77,595
37,84,40,480
54
cGo ;~rfng vr{
ljj/0f
rfn' jif{ ?=
1= 3/ef8f
2= aQL ljh'nL / kfgL
3= dd{t tyf ;Def/
s= ejg
v= ;jf/L ;fwg
u= cGo
4= aLdf
5= kf]i6]h, 6]n]S;, 6]lnkmf]g, km\ofS
6= sfof{no pks/0f kmlg{r/ ;Def/
7= e|d0f eQf / vr{
8= d;nGb / 5kfO{
9= kqklqsf tyf k':ts
10= lj1fkg
11= sfg'gL vr{
12= rGbf
13= ;~rfns
;ldlt ;DaGwL vr{
s= a}7s eQf
v= cGo vr{
14= ;fwf/0f ;ef ;DaGwL vr{
15= n]vfk/LIf0f ;DaGwL
s= n]vfk/LIf0f z'Ns
v= cGo vr{
16= /sd :yfgfGt/0f sldzg
17= l:y/ ;DklQdf Xf; sL
18= k'j{ ;~rfng vr{ ckn]vg
19= z]o/ lgisfzg vr{
20= k|fljlws ;]jf ;f]wegf{
21= dgf]/~hg vr{
22= ckn]vg vr{
23= ;'/Iff vr{
24= shf{ ;'/If0f lk|ldod
25= sldzg / l8:sfp06
26= cGo
s= cGo z'Ns tyf s/

v= ;b:otf z'Ns
u= gvKg] ;fdfg
3= Pl6d ;+u ;DalGwt vr{
= nLh xf]N8 ;Dkltsf] ckn]vg vr{
r= sDKo'6/ ;km\6jo/ ckn]vg vr{
5=ckn]vg vr{

h= cGo vr{
hDdf

cg';"rL @$
6,97,70,053
3,85,98,456
1,13,77,397
23,010
37,21,389
76,32,998
1,98,29,863
2,40,58,110
1,52,22,790
2,21,93,658
1,50,45,594
4,34,438
1,82,66,225
21,38,470
59,71,928
ut jif{?=
6,77,77,959
3,65,50,315
51,01,367
1,11,019
29,13,902
20,76,446
1,72,07,242
2,54,74,915
1,45,94,319
1,97,03,952
1,11,49,912
2,92,079
2,23,48,909
14,88,701
41,70,326
52,73,808
41,87,098
25,64,000
27,09,808
16,19,551
7,02,000
4,52,000
2,50,000
46,40,930
6,01,34,061
-
17,73,000
24,14,098
17,02,689
6,45,500
3,95,500
2,50,000
38,02,293
4,87,19,208
-
-
-
21,51,243
1,12,79,911
4,53,83,740
-
-
7,77,28,401
59,17,059
8,87,137
71,58,956
16,19,087
39,77,242
3,97,29,487
5,51,23,712
54,55,923
10,87,095
16,24,966
88,59,040
47,12,675
3,66,14,815
58,42,706
11,84,170
1,12,64,518
2,71,94,114
51,68,878
5,90,048
92,90,013
45,18,20,629
38,53,66,312
55
;Defljt gf]S;fgL Joj:yf
ljj/0f
1=shf{
gf]S;fgL Joj:yfdf ePsf] a[l

gf]S;fgL Joj:yfdf ePsf] a[l
3= u}/ a}+ls ;DklQ gf]S;fgL Joj:yf
4= cGo ;DklQdf ul/Psf] Joj:yf
hDdf
2= nufgL
cg';"rL @%
rfn' jif{ ?=
ut jif{ ?=
36,00,46,322
25,90,53,511
3,32,345
- - -
36,03,78,667
25,90,53,511
u}/ ;+frfng cfDbfgL -gf]S;fg_
ljj/0f
1
=z]o/ nufgL laqmLaf6 cfDbfgL -gf]S;fg_

laqmLaf6 cfDbfgL -gf]S;fg_
3= nfef+z
4= g]kfn /fi6 a}+saf6 k|fKt ;x'lnot
s=tf]lsPsf] zfvfx?sf] gf]S;fg jfkt Ifltk'lt{
v= Jofh Ifltk'lt{
u= ;6xL sfpG6/
3= cGo=========
5= cGo
v'b u}/ ;+rfng cfDbfgL -gf]S;fg_
2= ;DklQ
cg';"rL @^
rfn' jif{ ?=
ut jif{ ?=
- 32,42,206
35,12,110
1,01,71,236
44,22,103
- - - - - -
1,34,13,443
79,34,213
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{
cg';"rL @&
ljj/0f
rfn' jif{ ?=
ut jif{ ?=
1= shf{
15,51,73,336
13,48,92,830
2,79,00,000
gf]S;fgL Joj:yfaf6 lkmtf{

2= u}/ a}+ls ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{
3= nufgL Joj:yfaf6 lkmtf{
4= cGo ;DklQsf] Joj:yfaf6 lkmtf{
hDdf
- - -
18,30,73,336
13,48,92,830
56
c;fdfGo sf/f]jf/x?af6 ePsf] cfDbfgL-vr{_

ljj/0f
!= ckn]vg ePsf] shf{sf] c;'nL

2= :j]lR5s cjsfz vr{
3= c;'nL x'g g;Sg] shf{sf] ckn]vg -cg';"rL
4=cGo ckn]vg vr{ cfDbfgL
5= =========================
hDdf
cg';"rL @*
rfn' jif{ ?=
ut jif{ ?=
47,17,979
-
28
s_
(16,79,299)
lwtf]sf]
lwtf]
k|sf/ tyf d'Nofs+gsf]
/sd
cfwf/
(5,00,00,000)
30,38,679
ckn]
vg shf{sf] ljj/0f
cfly{s jif{ @)&!)&@
qm=;+=shf{ k|sf/ ckn]vg

ul/Psf]

/sd
(5,00,00,000)
cg';"rL @* s
shf{ :jLs[t
ug]{ clwsf/L
tx
shf{ c;'nLsf s}lkmot

nflu eP
u/]sf] k|of;
1=
rfn' kF"hL shf{

- -
- -
-
2= kl/of]hgf shf{
- -
- -
-
3= l:y/ kF"hL shf{
- -
- -
-
4= JolQmut shf{
16,79,299
1= JolQmut hdfgL

!= gful/s b}lgsdf

-d]g'sf ;fksf]6f_ C0fLsf]
ldlt 11/02/2011 35

>LdtL,
lbg] ;"rgf k|sflzt

@= czf]s n]Nof08
@= C0fL tyf hdfgL

sDkgLsf] a; !
OGef]O; d'No
;'lht s"df/ zfSo
stf{nfO{ sfnf]

k|d'v Joj;fo shf{,
;"rLdf /flvPsf] .

tTsflng
cS;g ;"rgf ldlt
a}+s ckm Plzof g]kfn ln=
03/10/2012,

19/10/2014,

23/12/2014

#= C0f c;'ln
Gofolws/0fdf

ldlt 14/07/2015

d'2f btf{
5= cGo shf{
- -
- -
-
s'n shf{
- -
- -
-
-
ut jif{;Ddsf] af+sL
;fjf+
Jofh
;fjf+
o; jif{ c;'nL
Jofh
yk shf{
o; jif{ ?=
;fjf+
Jofh
cg';"rL @(
2========================
15,39,11,899
1,58,89,715
- -
- -
- -
- -
15,57,24,745
- -
- -
- -
- -
gf]6M
sd{rf/L ;]jf ljlgodjfnL cGt{ut sd{rf/LnfO{ k|jfx ul/Psf] shf{ / ;+rfnsx? cfwf/e't z]o/wgLnfO{ d"2tL /l;b;/sf/L ;'/If0fx?df
k|jfx ul/Psf] shf{x?nfO{ o; cg';"rLdf ;dfj]z ul/Psf] 5}g .
*;f] shf{ tTsflng a}+s ckm Plzof g]kfn lnld6]8n] dh{/ cufj} k|jfx u/]sf] shf{ xf] / pQm shf{ dh{/ kZrft\ ;+:yfks shf{df
jlu{ls[t ul/Psf] 5 . g]kfn /fi6 a}+sf/f hf/L dh{/ lgodfjnL adf]lhd o:tf] shf{ dh{/sf] ldltn] tLg jif{ leq r"Qmf ug'{kg]{ 5 .
-
-
- -
- -
- -
- -
- -
15,57,24,745
- -
- -
- -
- -
- -
1,58,89,715
15,39,11,899
-
-
= z]o/wgLx?
1========================
-
2========================
-
hDdf
30,96,36,644
3= sd{rf/L
1========================
2=======================
v= sfo{sf/L k|d'v
1========================
-
2========================
-
u= ;+:yfks
1=j]:6f/ k|f]kl6{h
30,96,36,644
2========================
-
1========================
s= ;+rfns
;+:yfks ;~rfns
sfo{sf/L k|d'vsf] gfd
;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N8/x?nfO{

uPsf] shf{ ;fk6 ljj/0f -@)&@ cfiff9 d;fGt_
57
58
k"hLsf]if tflnsf
#! cfiff9 @)&@ -!^ h'nfO{ @)!%_

ljj/0f
cg';"rL #) -s_
o; jif{ ?=
ut jif{ ?=
1=1 hf]lvd efl/t ;DklQ

s= shf{ hf]lvd
43,03,88,77,828
37,35,60,26,537
v= ;+rfng hf]lvd
2,55,72,23,569
1,96,97,97,831
u= jhf/ hf]lvd
15,37,41,812
13,64,51,202
Pillar II cGt/utsf] ;dfof]hg
hf]8M 6=4 -s_ -10_ cg';f/ kof{Kt ;"rgf k|jfx gu/]

afkt hf]lvd efl/t ;DklQsf] 3 k|ltzt
- hf]8M g]= /f= a}s
+ sf] lgb]z
{ g cg";f/ ;~rfng cfDbfgLsf] $ k|ltzt
92,31,81,786
51,12,47,191

hf]8M g]= /f= a}s
+ sf] lgb]z
{ g cg";f/ hf]lvd efl/t ;DklQsf] 4 k|ltzt
1,82,99,93,728
78,92,45,511

s'n hf]lvd efl/t ;DklQ -Pillar II cGt/utsf] ;dfof]hg kl5_
48,50,30,18,723
40,76,27,68,272 1
1.2 kF"hL sf]if
k|fylds k"FhL (Tier I)
5,10,93,58,985
4,82,75,43,064

s= r'Qmf kF"hL
2,65,82,84,800
2,31,15,52,000
v= Ol/l8d]jn gg\ So'Do'n]l6e lk|km/]G; z]o/
- u= k|:tfljt jf]g; z]o/
1,03,67,31,072
34,67,32,800
3= z]o/ lk|ldod
-
6,78,38,411

= ;fwf/0f hu]8f sf]if
1,05,01,06,122
91,40,42,700

r= ;+lrt gfkmf-gf]S;fg_
4,10,41,868
17,07,14,220
5= rfn' cf= j= sf] gfkmf-gf]S;fg_
- h= j08 lkmtf{ ;dfof]hg sf]if
7,14,28,572
dm :yug s/ hu]8f
-
2,81,93,074

`= kF"hL ;dfof]hg sf]if
54,80,91,584
1,00,00,00,000

6= nfef+z ;dLs/0f sf]if
-
7= cGo :jtGq sf]ifx?
2,49,41,003

36fpg]M

s=Voflt jfktsf] /sd
- v= ckn]vg gul/Psf ljljw ;DklQ
26,75,619
1,15,30,141
u= Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL
- 3= ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL
- = ;LdfeGbf a9L nufgL
-
r= k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgL
- 5= hUuf tyf ejg vl/b
16,28,65,672
-
em=kf/:kl/s qm; xf]lN8+u
-
cGt{ut ;dfof]hg
36fpg]
6.4 -s_ -1_ cg';f/ ckof{Kt Joj:yf
-
15,57,24,745
6.4 -s_ -2_ cGtu{t ;DalGwt kIfnfO{ tyf lgif]lwt
If]qdf k|jflxt shf{ ;'ljwf
k'/s kF"hL (Tier II)
94,99,02,086
89,83,18,504
s= So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/
- v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f
50,00,00,000
50,00,00,000

u= xfOla|8 kF"hL pks/0fx?
-
3= c;n shf{ gf]S;fgL Joj:yf
38,17,42,802
36,43,59,712

= ;6xL ;dLs/0f sf]if
3,33,14,172
3,33,14,172
r= nufgL ;dfof]hg sf]if
3,48,45,112
6,44,620
5= ;DklQ k'gd"{Nofg sf]if
- h= cGo sf]if
- s'n kF"hL sf]if
6,05,92,61,071
5,72,58,61,568
1=3 kF"hLsf]if

cg'kft
k|fylds kF"hLs"n hf]lvd efl/t ;DklQ (Tier I)

kF"hL sf]ifs'n hf]lvd efl/t ;DklQ (Tier I & Tier II)
10.53% 11.84%
12.49% 14.05%
qmdzM
cg';"rL #) -v_
1,04,15,66,541
4,76,29,55,049

86,134
6,15,86,03,179
21,63,58,499
2,60,00,00,000

18,80,918

-

-

-

-

-

-

-

-

-
30,83,11,000

-
1,42,40,01,348
3,10,42,011
57,64,62,378
4,69,05,924

-

-
1,06,57,28,091
- 21,84,67,702 17,39,40,36,963
-
-
-
-
-
-
-
-
-
-
-
-
39,910
7,06,52,456 9,15,01,53,871
-
-
-
-
77,61,37,167
-
5,18,65,48,301
-
1,30,28,634
- 5,62,09,44,863
-
21,63,58,499
-
-
1,52,49,403
-
-
-
-
-
-
-
-
-
30,83,11,000
- 13,50,00,000
28,48,00,270 1,17,54,04,042
3,10,42,011
11,44,16,526
11,52,92,476
88,05,20,497
2,34,52,962
-
15,64,34,273
-
21,31,45,618
75,80,43,003
20,25,00,000
23,50,80,808
11,44,16,526
17,61,04,099
15,64,34,273
15,16,08,601
5,08,98,03,022
12,29,33,129
1,00,65,15,560
56,72,55,660
3,65,06,19,820
2,52,31,000
3,10,11,500
15,14,41,313
1,85,30,491
1,26,02,92,714
51,39,25,73,537
3,05,38,81,813
12,29,33,129
1,00,65,15,560
85,08,83,490
5,47,59,29,731
2,52,31,000
4,65,17,250
9,08,64,788

1,26,02,92,714
35,61,81,23,655

100% 17,39,40,36,963 17,33,31,57,129 17,33,31,57,129

20%
-
-
50%
-
-
100%
-
-
150%
-
-
75% 6,86,26,15,403 7,08,76,96,992 5,31,57,72,744
100%
-
-
-
0%
0%
0%
0%
0%
0%
0%
0%
20%
50%
100%
150%
0%
100%
20%
50%
100%
150%
20%
100%
20%
50%
100%
150%
20%
o; jif{
ut jif{
ljz]if
u0fgf ug{
v"b /sd hf]lvd
hf]lvd
v"b /sd
hf]lvd
Joj:yf ;lsg] CRM -3_=-s_-v_-u_
ef/ efl/t /sd efl/t
-v_
-u_ -_ -r_= -3_*-_

/sd
cfjfl;o 3/hUufaf6 ;'/lIft bfjL

7,47,10,34,901
-
- 7,47,10,34,901
60% 4,48,26,20,941
cfjf;Lo 3/hUufaf6 k'0f{ ;"/lIft gePsf] bfjL
-
-
-
- 150%
-
cfjf;Lo 3/hUufaf6 ;'/lIft bfjL -efsf gf3]sf]_
15,72,51,742
4,09,37,220
- 11,63,14,522
100%
11,63,14,522
Jofkfl/s 3/hUufaf6 ;'/lIft bfjL
66,03,06,824
-
- 66,03,06,824
100%
66,03,06,824
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjf;Lo 3/hUufaf6 ;"/lIft bfjL jfx]s_
1,08,44,54,925 67,77,85,529
40,000
40,66,29,396
150% 60,99,44,094
pRr hf]lvdo"Qm bfjL
5,36,73,54,532
33,798
6,07,03,414 5,30,66,17,320
150% 7,95,99,25,979
:6s PS;r]Ghdf ;'rLs[t sDkgLsf] z]o/ / cGo k+'hLut pks/0fdf ePsf] nufgL
29,22,55,595
3,32,345
- 29,19,23,250
100%
29,19,23,250
:6s PS;r]Ghdf ;'rLs[t gePsf] sDkgLsf] z]o/ / cGo k'+hLut pks/0fdf ePsf] nufgL
3,80,11,500
-
- 3,80,11,500
150%
5,70,17,250
cfjf;Lo 3/hUUffaf6 ;"/lIft sd{rf/L shf{
18,30,51,946
-
- 18,30,51,946
60%
10,98,31,168
g]kfn ;/sf/sf] C0fkqdf p7\g af+sL Aofh
1,83,63,709
-
-
1,83,63,709
0%
-
dfu{:y gub tyf cGo gubdf kl/0ft x"g af+sL
-
-
-
-
20%
-
cGo ;DklQ
2,19,56,45,297 1,02,00,48,344
- 1,17,55,96,953
100% 1,17,55,96,953
hDdf 62,53,49,82,947 1,73,91,77,146 34,98,63,572 60,44,59,42,228 40,69,61,77,684
(Regulatory Retail Portfolio except for Granularity)
lstfjL
d'No
-s_
gub df}Hbft
1,04,15,66,541
g]kfn /fi6 a+}sdf /x]sf] df}Hbft
4,76,29,55,049
;'g rf+lb
86,134
g]kfn ;/sf/sf] C0fkqdf nufgL
6,15,86,03,179
g]kfn ;/sf/ pk/sf] ;Dk'0f{ bfjL
21,63,58,499
g]kfn /fi6 a}+s C0fkqdf ul/Psf] nufgL
2,60,00,00,000
g]kfn /fi6 a}+s pk/sf] ;Dk'0f{ bfjL
18,80,918
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 0-1)
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA Rating -2)
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA Rating 4-6)
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA Rating-7)
BIS, IMF, ECB, EC / ax"kILfo ljsf; a}+sx? pk/sf] bfjL
cGo axklIfo ljsf; a}+sx? pk/sf] bfjL
;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating 0-1)
;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating -2)
30,83,11,000
tf]lsPsf] k+hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL
1,42,40,01,348
tf]lsPsf] k+hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL
3,10,42,011
ljb]zL a}+s pk/sf] bfjL (ECA Rating 0-1) 57,64,62,378
ljb]zL a}+s pk/sf] bfjL (ECA Rating -2) 4,69,05,924
ljb]zL a}+s pk/sf] bfjL (ECA Rating 3-6)
ljb]zL a}+s pk/sf] bfjL (ECA Rating -7)
tf]lsPsf] k'hLsf]ifdf ! k|ltzt eGbf a9Ln] k"hLsf]if sfod 1,06,57,28,091
ug]{ SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
:jb]zL ;+3 ;+:yfx? pk/sf] bfjL
17,61,25,04,665
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating 0-1)
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating -2)
pkef]Uo tyf ;fgf shf{ (Regulatory Retail Portfolio) -efsf ggf3]sf]_
9,22,08,46,237
u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
-
jf;nftleqsf] sf/f]jf/
;DklQ

shf{ ;DaGwL hf]lvd efl/t /sd
59
lstfjL
d'No
-s_
32,71,00,170
9,43,45,096
1,68,16,600
1,21,34,300
5,03,83,200
21,59,100
7,19,48,304
31,02,83,570
8,22,10,796
2,94,71,650
7,70,96,558
92,64,10,519
8,03,90,042
1,88,87,26,993
1,87,98,79,527
3,21,96,931
100%
100%
100%
100%
100%
100%
50%
150%
100%
50%
20%
50%
150%
100%
50%
20%
50%
150%
100%
50%
20%
20%
10%
0%
0%
o; jif{
u0fgf ug{
v"b /sd hf]lvd
;lsg] CRM -3_=-s_-v_-u_ ef/
-u_

-_
31,02,83,570
8,22,10,796
2,94,71,650
1,54,19,312
46,32,05,259
4,01,95,021
37,77,45,399
18,79,87,953
21,51,21,846
7,56,17,648
2,40,01,650
8,05,97,058
90,46,85,601
2,02,64,284
1,19,53,31,555
1,31,22,51,410
6,01,51,458
ut jif{
hf]lvd
v"b /sd
hf]lvd
efl/t /sd efl/t
-r_= -3_*-_

/sd
21,51,21,846
7,56,17,648
2,40,01,650
1,61,19,412
45,23,42,801
1,01,32,142
23,90,66,311
13,12,25,141
ckl/jTo{ shf{ k|lta4tf -5f]6f] cjlw_

2,62,76,17,246
-
-
2,62,76,17,246
20%
52,55,23,449
1,73,93,51,788
34,78,70,358
ckl/jTo{ shf{ k|lta4tf -nfdf] cjlw_
48,62,114
-
-
48,62,114
50%
24,31,057
75,26,958
37,63,479
tf]lsPsf] k'hLsf]ifdf ! k|ltzt eGbf a9Ln] k"hLsf]if sfod ug]{
84,56,47,874
-
-
84,56,47,874
20%
16,91,29,575
80,05,30,799
16,01,06,160
SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
cGo ;Defljt bfloTjx?
13,43,47,104
-
-
13,43,47,104
100%
13,43,47,104
5,77,85,935
5,77,85,935
e'QmfgLsf] nflu bfjL k/]sf hdfgt afktsf] ;+efljt bfloTj
25,00,000
-
1,25,000
23,75,000
200%
47,50,000
23,75,000
47,50,000
hDdf 9,07,50,82,427
-
15,35,66,504
8,92,15,15,924
2,34,27,00,144
6,49,55,92,990
1,73,79,02,882
s'n shf{ hf]lvd
71,61,00,65,374
1,73,91,77,146
50,34,30,076
69,36,74,58,152
-
43,03,88,77,828
57,88,81,66,528
37,35,60,26,537
Piller II cGt{utsf] ;dfof]hg
hf]8M ^=$ -s_-#_ cGt{ut k|lt u|fxs shf{ tyf ;'ljwf eGbf a9L k|jflxt shf{ tyf ;'ljwfsf] !) k|ltzt
-
-
-
-
-
-
-
hf]8M ^=$ -s_-$_ cGt{ut k"gM :jLsf/ x'g]u/L laqmL ul/Psf shf{x?sf] ! k|ltzt
-
-
-
-
-
-
-
s"n shf{ hf]lvd (Piller II) cGt/utsf] ;dfof]hg kl5_
71,61,00,65,374
1,73,91,77,146
50,34,30,076
69,36,74,58,152
-
43,03,88,77,828
57,88,81,66,528
37,35,60,26,537
(Unpaid portion of Partly paid shares and Securities)
k'g vl/b ;Demf}tf cGtu{tsf] shf{

clu|d e"QmfgL hdfgt
ljQLo hdfgt
:jLsf/ tyf b/lk7 (Acceptance and Endorsements)
e'QmfgL gul/Psf] efu tyf cf+lzs e"QmfgL ul/Psf] z]o/ tyf ;"/If0f
ljz]if
Joj:yf
-v_
cg';"rL #) -v_
(Lending of Bank's Securities or Posting of Securities as collateral)
h'g;'s} a]nf lkmtf{ lng ;lsg] k|lta4tf

-
ljN; sn]S;g
3,21,96,931
clu|d ljlgdo ;Demf}tf
1,87,98,79,527
^ dlxgf eGbf sd cjlwsf] k|lttkq :jb]zL sf/f]af/ kIf
1,96,06,75,297
ljb]zL sf/f]af/ kIf (Counter Party) (ECA 0-1)
-
ljb]zL sf/f]af/ kIf (Counter Party) (ECA -2)
-
-
ljb]zL sf/f]af/ kIf (Counter Party) (ECA -7) -
^ dlxgf eGbf a9L cjlwsf] k|lttkq :jb]zL sf/f]af/ kIf
8,25,49,142
ljb]zL sf/f]af/ kIf (Counter Party) (ECA 0-1) -
-
-
-
lj8 j08, k/km/d]G; j08, sfp06/ Uof/]06L :jb]zL sf/f]af/ kIf
97,67,93,719
7,70,96,558
-
2,94,71,650
-
k|Tofe'lt (Underwriting) ;DalGw k|lta4tf
-
a}+saf6 ;"/If0fsf] ?kdf k|bfg ul/Psf hdfgtx?
-
jf;nft aflx/sf] sf/f]jf/
;DklQ

shf{ ;DaGwL hf]lvd efl/t /sd
qmdzM
60
sf] nflu of]Uo /sd

;/sf/sf] a}+ssf] lasf; a}+sx? hdfgt tyf
hdfgt hdfgt
hdfgt
;""/If0f
cg';"rL #) -u_
/x]sf]
lgIfk
/x]sf] tyf g]kfn ;/sf/sf

lgIf]k /fi6 a}+s hdfgt
#! @)&!
gub df}Hbft
-
-
- - - -
-
- -
-
g]kfn /fi6 a}sdf /x]sf] df}Hbft
-
-
- - - -
-
- -
-
;'g rf+lb
-
-
- - - -
-
- -
-
g]kfn ;/sf/sf] C0fkqdf nufgL
-
-
- - - -
-
- -
-
g]kfn ;/sf/ pk/sf] ;Dk'0f{ bfjL
-
-
- - - -
-
- -
-
g]kfn /fi6 a}+s C0fkqdf ul/Psf] nufgL
-
-
- - - -
-
- -
-
g]kfn /fi6 a}+s pk/sf] ;Dk'0f{ bfjL
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA Rating-7)
-
-
- - - -
-
- -
-
BIS, IMF, ECB, EC / ax"klIfo ljsf; a}+sx? pk/sf] bfjL
cGo ax"klIfo ljsf; a}+sx? pk/sf] bfjL
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
tf]lsPsf] kF"hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL
-
-
- - - -
-
- -
-
tf]lsPsf] kF"hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
tf]lsPsf] kF"hLsf]ifdf 1 k|ltzt eGbf a9Ln] k+"hLsf]if sfod ug]{
-
-
- - - -
-
- -
-
SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
:jb]zL ;+3 ;+:yfx? pk/sf] bfjL
21,84,67,702
-
-
-
-
-
-
-
- 21,84,67,702
11,80,78,812
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
-
-
- - - -
-
- -
-
pkef]Uo tyf ;fgf shf{ (Regulatory 7,06,52,456
-
-
-
-
-
-
-
- 7,06,52,456
1,50,17,791
Retail Portfolio) -efsf ggf3]sf]_
u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo
-
-
- - - -
-
- -
-
tyf ;fgf shf{ (Regulatory Retail Portfolio)
cfjfl;o 3/hUufaf6 ;"/lIft bfjL
-
-
- - - -
-
- -
-
cfjfl;o 3/hUufaf6 k'0f{ ;'/lIft gePsf] bfjL
-
-
- - - -
-
- -
-
cfjfl;o 3/hUufaf6 ;'/lIft bfjL -efsf gf3]sf]_
-
-
- - - -
-
- -
-
Jofkfl/s 3/hUufaf6 ;'/lIft bfjL
-
-
- - - -
-
- -
-
-cfjfl;o 3/hUufaf6 ;"/lIft bfjL jfx]s_
e"QmfgL cjlw ;dfKt eO{;s]sf] bfjL
-
-
40,000
-
-
-
-
-
-
40,000
23,13,382
pRr hf]lvdo'Qm bfjL
2,94,06,323
-
3,12,97,091
-
-
-
-
-
- 6,07,03,414
28,87,50,255
:6s PS;r]Ghdf ;'rLs[t gePsf] sDkgLsf]
pks/0fdf ePsf] nufgL
-
-
- - - -
-
- -
-
z]o/ / cGo kF"hLut pks/0fdf ePsf] nufgL
:6s PS;r]Ghdf ;"rLs[t sDkgLsf]
-
-
- - - -
-
- -
-
z]o/ / cGo kF"hLut pks/0fdf ePsf] nufgL
cGo ;DklQ
-
-
- - - -
-
- -
-
hDdf
31,85,26,481
-
3,13,37,091
-
-
-
-
-
- 34,98,63,572
42,41,60,239
jf;nft leqsf] sf/f]jf/

cfiff9 #! @)&@

cfkm\gf] a}+sdf] cGo a}+sdf
;"g ;/sf/
g]kfn cGo b]zsf] :jb]zL lab]zL ax"kIfLo lab]zL a}+ssf]
hDdf cfiff9
Credit Risk Mitigation (CRM)
61
qmdzM
ckl/jTo{ shf{ k|lta4tf

cGo ;Defljt bfloTjx?
e'QmfgL ug{ af+sL hdfgt bfjL
hDdf
s'n shf{ hf]lvd
portion of Partly paid shares and (Securities)
k'g vl/b ;Demf}tf cGtu{tsf] shf{

clu|d e"QmfgL hdfgt
ljQLo hdfgt
:jLsf/ tyf b/lk7 (Acceptance and Endorsements)
e'QmfgL gul/Psf] efu tyf cf+lzs
e'QmfgL ul/Psf] z]o/ tyf ;'/If0f (Unpaid)
Securities or Posting of Securities as collateral)
cg';"rL #) -u_
-
-
1,25,000
15,35,66,504
47,20,92,985
-
-
1,21,34,300
-
1,68,16,600
-
-
-
-
-

-
3,13,37,091
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1,21,34,300
-
1,68,16,600
5,03,83,200

-

-

-

-

-

-

-

-
7,19,48,304

-

-

-

21,59,100

-

-

-
1,52,48,800
3,80,94,750
-
6,15,04,664
4,79,600
-
-
-
-
-
-
1,25,000
1,25,000
15,35,66,504 11,54,52,814
- 50,34,30,076
53,96,13,053
cfkm\gf] a}+sdf] cGo a}+sdf

;"g ;/sf/
g]kfn cGo b]zsf] :jb]zL lab]zL ax"kIfLo lab]zL a}+ssf]
hDdf cfiff9
/x]sf]
/x]sf] tyf g]kfn ;/sf/sf ;/sf/sf] a}+ssf] lasf; a}+sx? hdfgt tyf
#! @)&!
lgIfk
lgIf]k /fi6 a}+s
hdfgt
hdfgt hdfgt
hdfgt
;""/If0f
sf] nflu of]Uo /sd
h'g;'s} a]nf lkmtf{ lng ;lsg] k|lta4tf

-
ljN; sn]S;g
-
clu|d ljlgdo ;Demf}tf
-
6 dlxgf eGbf sd cjlwsf] k|lttkq :jb]zL sf/f]af/ kIf 7,19,48,304
-
-
-
21,59,100
6 dlxgf eGbf a9L cjlwsf] k|lttkq :jb]zL sf/f]af/ kIf
-
-
-
lj8 j08, k/km/d]G; j08, sfp06/ Uof/]06L :jb]zL
sf/f]af/ kIf
5,03,83,200
-
-
-
-
k|Tofe'lt (Underwriting) ;DalGw k|lta4tf
-
a}+saf6 ;"/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? (Lending of Bank's
jf;nft aflx/sf] sf/f]af/

qmdzM
62
63
;~rfng hf]lvd
cfiff9 #! @)&@ (!^ h'nfO{ @)!%_
cg';"rL #) -3_
#! cfiff9 @)&!
ljj/0f @)&@ cfiff9 d;fGtsf] cl3Nnf aif{x?

@)^*-^(
@)^(-&)
@)&)-&!
v"b Aofh cfDbfgL
80,97,28,631 1,24,33,22,650 1,79,82,22,536
sldzg tyf l8:sfp06 8,40,09,069
8,19,53,173
14,31,81,873
cGo ;+rfng vr{
7,04,55,166
9,83,25,936
19,64,03,099
;6xL 36a9 cfDbfgL 9,15,05,939 10,99,38,207 10,10,26,293
o; jif{sf] yk Aofh d"NtjL lx;fj
4,66,36,566
17,06,17,336
6,91,20,664
s'n cfDbfgL -s_ 1,10,23,35,371 1,70,41,57,302 2,30,79,54,465
tf]lsPsf] k|ltzt -v_
15% 15% 15%
tf]lsPsf] k|ltztn] x'g] s'n cfDbfgL -u_ = -s_x-v_ 16,53,50,306 25,56,23,595 34,61,93,170
;+rfng hf]lvdsf] nflu cfjZos kF"hL -3_ {-u_ sf] cf}ift}
25,57,22,357
-
-
19,69,79,783
hf]lvd ef/ (Reciprocal of capital requirement) -_
10 - - 10
;+rfng hf]lvdsf] nflu hf]lvd efl/t /sd -r_=-#_x-_
2,55,72,23,569
-
- 1,96,97,97,831
Pillar II cGtu{tsf] ;dfof]hg
6=4-c_-*_ cg';f/ ut tLg jif{sf] s'n cfDbfgL C0ffTds ePdf s'n shf{ tyf nufgL -ljif]z Joj:yfsf] ;dfof]hg kl5_ ;+rfng hf]lvdsf] nflu cfjZos kF"hL hf]lvd ef/ (Reciprocal of
capital requirement of 10%) -5_ ;+rfng hf]lvdsf] nflu hf]lvd efl/t /sd -hr+5_
2,55,72,23,569
-
- 1,96,97,97,831
lab]zL d'b|fsf] v'b cj:yf

ljj/0f

cg';"rL #) -_
#! cfiff9 @)&@
lab]zL d""b|fsf]
b/
lab]zL d""b|fsf]
lab]zL d"b|fsf]
v'b cj:yf
v'b cj:yf
;fGble{s v'b
-la=d'=_ -g]=?=_
cj:yf -g]=?=_
#! cfiff9 @)&!
lab]zL d"b|fsf]
;fGble{s v'b
cj:yf -g]=?=_
1=ef/tLo
?lkof
18,86,46,786
1.60 30,19,76,342 30,19,76,342
26,53,52,818
2=cd]l/sL 8n/
15,317
101.60
15,56,251
15,56,251
49,90,349
3=kfpG8 :6ln{8
(1,123)
158.54
(1,78,001)
1,78,001
3,17,880
4=o'/f]
22,131
110.40
24,43,255
24,43,255
1,33,919
- - - - 5=yfO{ ef6
6=l:j; k|m]
- -
-
- 5,330
7=c:6]lnog 8n/
(573)
75.28
(43,161)
43,161
5,48,769
8=Sofg]l8og 8n/
1,490
77.85
1,15,997
1,15,997
3,983
9=l;+ufk"/ 8n/
6,984
73.78
5,15,297
5,15,297
10,84,360
(1,80,325)
0.82
(1,47,506)
1,47,506
80,755
10=hfkfgL o]g
11=xs 8n/
7,370
14.08
1,03,770
1,03,770
12=8]lg; qmf]g/
- - - - 13=l:jl8; qmf]g/
240
11.73
2,815
2,815
554
14=;fpbL c/a l/ofn
3,591
26.79
96,203
96,203
68,553
15=stf/L l/on
3,005
27.58
82,878
82,878
2,610
16=;+o'Qm c/a lb/fd
3,155
26.63
84,018
84,018
2,52,400
17=dn]l;og
18=s"j]tL
l/u]6
2,169
26.06
56,524
56,524
lbgf/
- - - - 19=rfOlgh ofg
5,050
16.16
81,608
81,608
60,122
s'n cj:yf -s_ 30,74,83,625 27,29,02,403
tf]lsPsf] k|ltzt -v_ 5% 5%
ahf/ hf]lvdsf] nflu cfjZos k"+hL -u_ -s_xv_
1,53,74,181
1,36,45,120
hf]lvd ef/ (Reciprocal of capital requirement) -3_
10
10
ahf/ hf]lvdsf] nflu hf]lvd efl/t /sd -_ = -u_x-3_ 15,37,41,812 13,64,51,202
64
lgIf]kdf v'b t/n ;DklQsf] cg''kft

#! cfiff9 @)&@
ljj/0f
1= hDdf lgIf]k tyf ;fk6 -s_
hDdf lgIf]k -g]=/f=a}+= sf] lg= kmf= (=! cg';f/_
hDdf ;fk6L -g]=/f=a}+= sf] lg= kmf= (=! cg';f/_
2= t/n ;DklQ
gub -(=!_
a}+sdf /x]sf] df}Hbft -(=!_
dfu tyf cNk ;'rgfdf k|fKt x'g] /sd
g]kfn ;/sf/sf] ;'/If0fdf nufgL
() lbg leq e'QmfgL x'g] ljb]zL nufgL
3= () lbg leq ltg'{kg]{ ;fk6L -u_
4 v'b t/n ;DklQ -3 = vu_
5= v'b t/n ;DklQsf] cg'kftdf hDdf lgIf]k
6= ck'u cg'kft
7= hf]lvd efl/t ;DklQdf yk ug'{kg]{
cg';"rL #) -r_
o; jif{ ?=
ut jif{ ?=
53,47,71,84,239
44,98,42,18,467
53,47,71,84,239
44,98,42,18,467
-
15,46,15,97,178
12,90,06,35,633
1,04,15,66,541
77,61,37,167
5,63,09,47,457
6,40,72,53,603
- 8,75,86,03,180
5,62,09,44,863
3,04,80,000
9,63,00,000
- 15,46,15,97,178
12,90,06,35,633
28.91
28.68
- - -
65
ljut % jif{sf] kl/;''rsx?
cg';"rL #!
ljj/0f ;'rf
cf=j= cf=j= cf=j= cf=j= cf=j=

@)&!&@ @)&)&! @)^(&) @)^*^( @)^&^*
1=
v'b gfkmf s'n cfDbfgL k|ltzt

k|ltzt
2= k|lt z]o/ cfDbfgL
?=
3= k|lt z]o/ ahf/ d'No
?=
4= d'No cfDbfgL cg'kft (PE Ratio) cg'kft
5= z]o/ kF"hLdf nfef+z -jf]g; ;lxt_
k|ltzt
6= z]o/ kF"hLdf gub nfef+z e'QmfgL
k|ltzt
7= Jofh cfDbfgL shf{ tyf ;fk6
k|ltzt
8= sd{rf/L vr{ s'n ;+rfng vr{
k|ltzt
9= s'n lgIf]k tyf ;fk6Ldf Jofh vr{
k|ltzt
10= ;x6L 36a cfDbfgL s'n cfDbfgL
k|ltzt
11= s'n vr{ s'n cfDbfgL
k|ltzt
12= sd{rf/L af]g; s'n sd{rf/L vr{
k|ltzt
13= k|lt sd{rf/L sd{rf/L vr{
?=
14= k|lt sd{rf/L v'b gfkmf
?=
15= s'n shf{ lgIf]k
k|ltzt
16= s'n ;+rfng vr{ s'n ;DklQ
k|ltzt
17= hf]lvd efl/t ;DulQdf kF"hLsf]ifsf] kof{Kttf

s= k|fylds k''+hL
k|ltzt

v= k'/s kF"hL
k|ltzt

u= s'n kF"hL sf]if
k|ltzt
18= t/ntf (CRR) k|ltzt
19= v'b gfkmf shf{ ;k6L
k|ltzt
20= lgis[o shf{ s'n shf{
k|ltzt
21= v'b lgis[o shf{ s'n shf{
k|ltzt
22= Jofh b/ cGt/
k|ltzt
32.36
37.14
41.87
37.11
44.11
25.59
35.98
47.41
29.87
37.80
617
970
554
468
520
24.11
26.96
11.69
15.67
13.76
41.05
30.00
20.00
25.00
20.00
2.05
15.00
20.00
25.00
20.00
8.31
10.45
10.69
12.20
12.51
48.28
49.55
48.07
45.97
42.67
5.12
5.99
6.88
8.87
8.76
2.84
2.27
3.72
3.41
2.63
41.56
34.12
30.45
37.04
29.18
23.01
31.44
39.83
31.22
50.59
5,77,778
6,36,034
6,07,221
5,19,620
4,16,370
9,31,941
13,97,628
10,86,525
11,32,310
14,75,309
81.03
82.93
81.23
79.25
82.45
1.44
1.48
1.00
1.53
1.48
10.53
11.84
12.21
9.91
11.34
1.96
2.20
0.97
1.10
1.55
12.49
14.05
13.17
11.01
12.89
28.91
28.68
29.27
28.84
27.40
1.57
2.23
1.98
2.24
3.27
2.07
2.33
2.32
0.73
0.60
0.41
0.68
0.66
0.12
0.06
3.19
4.46
3.81
3.33
3.75
1.21
1.71
1.78
1.64
2.34
13.05
15.93
14.63
19.00
28.09
(Weighted Average Interest Rate Spread)
23=
v'b gfkmf s'n ;DklQ

24= v'b gfkmf g]6jy{
25= a's g]6jy{ k|lt z]o/
26= s'n z]o/ ;+Vof
27= s'n sd{rf/L ;+Vof
28= s'n zfvf ;+Vof
29= s'n ATM ;+Vof
k|ltzt
k|ltzt
?=
;+Vof xhf/df
;+Vof
;+Vof
;+Vof
206.85
210.81
189.84
157.24
152.36
2,65,82,848
2,31,15,520
2,31,15,520
1,31,15,520
1,31,15,520
730
595
591
346
336
67
67
53
36
34
68
61
48
37
33
66
k|d'v n]vf gLltx?

!= ;fdfGo hfgsf/L
Pg cfO ;L Plzof a}+s lnld6]8 -o; kZrft a}+s egL

pNn]v ul/Psf]_ tTsflng g]kfn O08li6on P08 sdzL{on
a}+s lnld6]8 tyf a}+s ckm Plzof g]kfn lnld6]8 jLrsf]
dh{/af6 :yflkt ePsf] a}+s xf] . o;sf] /lhi68{ sfof{no
lj/f6gu/df /x]sf] 5 tyf skf{]/]6 sfof{no sf7df8f}+df /x]sf]
5 . o; a}+ssf z]o/x? g]kfn :6s PS;r]Gh lnld6]8df
;"rLs[t /x]sf 5g\ . o; a}+sn] g]kfn /fi6 a}+saf6 Ohfht
kq kfP cg'?k a}+ls ;]jfx? k|bfg ub}{ cfPsf] 5 .
@= ljQLo ljj/0fx? tof/Lsf cfwf/

c_ cg'kfngfsf] ljj/0f
ljQLo ljj/0fx? g]kfnL ?k}ofFdf k|:t't ul/Psf 5g\ . oL
ljj/0fx? P]ltxfl;s d'No cjwf/0ffsf] cfwf/df :ki6
?kdf cGoyf pNn]v u/]sf]df afx]s k|f]befjL (Accrual)
cfwf/df n]vfg u/L g]kfn n]vfdfg l;4fGt, ;j{dfGo
n]vf gLltx?, a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)^#,
g]kfn /fi6 a}+saf6 hf/L lgb]{zg tyf sDkgL P]g@)^#
sf] Aoj:yf ;d]t sf] clwgdf /xL tof/ ul/Psf 5g\ .
o; ljQLo ljj/0f ;~rfns ;ldltsf] ldlt @)&@(%
df a;]sf] a}7saf6 :jLs[t eO{ z]o/wgLx?sf] :jLs[ltsf]
nflu a}+ssf] cfufdL ;fwf/0f ;ef ;dIf k|:tfj ul/Psf]
5.
cf_ dfGotf pkof]u
ljQLo ljj/0fdf pNn]v ul/Psf ljb]zL d'b|f ;Dklt tyf
bfloTjnfO{ ljb]zL d'b|fsf] k|ltj]bg tof/ ul/Psf] ldltsf]
dWo b/df d'Nofg ul/Psf] 5 / cGo ljj/0fx?df eg]
P]ltxfl;s nfut d'Nofg k|0ffnL cjnDjg ul/Psf] 5 .
O{_ ;~rfng / d'Nofg d'b|f
ljQLo ljj/0fdf pNn]v ul/Psf] ;Dk"0f{ ljj/0fx?nfO{
g]kfnL d'b|fdf d'Nofg ul/Psf] 5 . ;Dk"0f{ ljQLo
ljj/0fx? cGoyf pNn]v ul/Psf]df afx]s g]kfnL ?k}ofFdf
pNn]v u/L glhs}sf] ?k}+ofFdf k|:t't ul/Psf] 5 .
ljb]zL d'b|fdf pNn]v ul/Psf] afx]s ljQLo ljj/0fdf
pNn]v ul/Psf ;Dk"0f{ ;DklQ tyf bfloTjx? P]ltxfl;s
nfut k|0ffnL / g]kfnL d'b|fdf d'Nofg ul/Psf] 5 .
O_ cg'dfg tyf ljj]ssf] k|of]u
ljQLo ljj/0f g]kfn n]vfdfgsf] l;4fGt adf]lhd tof/
ul/Psf]n] Joj:yfkgn] cjnDjg u/]sf] ljj]s, cg'dfg
/ dfGotfx?af6 tof/ ul/Psf] ljQLo gLltx?, k|:t't
ul/Psf] ;Dklt tyf bfloTjx? -jf;nft aflx/sf] ;d]t_,
cfDbfgL vr{x? jf:tljs ?kdf k|:t't ul/Psf] eGbf s]xL
km/s kg]{5g\ .
Joj:yfkgn] cjnDjg u/]sf dfGotf tyf cg'dfgx?
;dofg';f/ k'g/fjnf]sg ul/b} nluPsf] 5 . cg'dflgt
ljQLo ljj/0fx? h'g ;dodf k'g/fjnf]sg ul/Psf] xf]
;f]xL ;do tyf eljiodf cfOkg]{ k|efjx?nfO{ ;d]t
dWogh/ u/L k'g/fjnf]sg ul/Psf] 5 .
ljQLo ljj/0f tof/ ug]{ s|ddf Joj:yfkgn] lglZrt
d'No tyf dfGotf cg';f/ ;DklQ, bfloTj tyf ;DefJo
cg';"rL #@
bfloTjsf] d'Nofg u/]sf] 5 . o; ljQLo ljj/0f tof/

ug]{ s|ddf Joj:yfkgn] lnPsf d'No tyf dfGotfx?
ts{;+ut 5g\ eGg] Joj:yfkgsf] ljZjf; 5, ;fy} oL d'No
tyf dfGotfx? eljiodf cfjZostf cg'?k kl/dfh{g x'g
;Sg]5g\ .
#= k|d'v n]vf gLltx?
ljQLo ljj/0f tof/ ug]{ s|ddf pkof]udf NofOPsf

k|dv
' n]vf gLltx? o; k|sf/ /x]sf 5g\ . cGoyf pNn]v
geP;Dd log} n]vf gLltx?sf] k|of]u ul/Psf] 5 .
c_ ;DklQ
s= gub tyf gub ;dfg
gub tyf gub ;dfg cGtu{t gub, g]kfn /fi6 a}s
+ , tyf
cGo a}s
+ tyf ljQLo ;+:yfdf /x]sf] a}s
+ df}Hbft kb{5g\ .
v= nufgL
g]kfn ;/sf/sf] 6h
] /L lan tyf C0fkqx?, ljb]zL
C0fkqx?, lb3{sflng tyf cNksflng cGt/ a}s
+ nufgL
tyf ;+ul7t ;+:yfx?df ul/Psf] z]o/ tyf l8a]Gr/df
ul/Psf] nufgL o; nufgL lzif{s cGtu{t b]vfOPsf] 5
. o:tf nufgLx?nfO{ nfut d'Nodf jf lk|ldoddf nufgL
ul/Psf] eP lk|ldodnfO{ nufgL cjlw el/df kl/zf]wg u/L
nfut ;dfof]hg u/L clen]v ul/Psf] 5 .
g]kfn /fi6 a}s
+ sf] lgb]l{ zsf tyf a}s
+ sf] nufgL gLlt cg';f/
nufgLnfO{ lgDg cg';f/ jlu{st[ ul/Psf] 5M
s_ Jofkfl/s nufgL
5f]6f] ;dodf ljqmL ug]{ d'Vo p2]Zon] ul/Psf nufgLx?nfO{
Jofkfl/s nufgL cGtu{t jlu{st[ ul/Psf] 5 . o:tf
nufgLx? k/n d'No cyjf ahf/ d'No h'g sd x'G5 ;f]xL
d'Nodf d'Nofg ul/G5 eg] h'g nufgLsf] k/n d'No ahf/
d'No eGbf a9L x'G5 ;f]nfO{ cfjZos Joj:yf klg ul/Psf]
5.
v_ e'QmfgL ldlt;Dd wf/0f ug]{ nufgL
e'QmfgL ldlt;Dd wf/0f ug]{ p2]Zon] ul/Psf] nufgLx?nfO{
e'QmfgL ldlt;Dd wf/0f ug]{ nufgL cGtu{t jlu{st[ ul/Psf]
5 . o:tf nufgLx?nfO{ nfut d'Nodf d'Nofg ul/G5 eg]
lk|ldoddf nufgL ul/Psf nufgLx? eP lk|ldodnfO{ cjlw
el/df kl/zf]wg u/L nfut ;dfof]hg u/L clen]v ul/Psf]
5 . pQm kl/zf]wg ul/Psf] /sd ;f] nufgLsf] Jofh
cfDbfgLdf ;dfof]hg ul/Psf] 5 .
u_ ljqmLsf] nflu pknAw nufgL
oL nufgLx? lg/Gt/ wf/0f ug]{ eGbf laqmL u/L nfut
c;'nL ug]{ d'Vo p2]Zo ;lxt wf/0f ul/Psf x'G5g\ . o:tf
nufgLx? k/n d'No cyjf ahf/ d'No h'g sd x'G5 ;f]xL
d'Nodf d'Nofg ul/G5 eg] h'g nufgLsf] k/n d'No ahf/
d'No eGbf a9L x'G5 ;f] nfO{ cfjZos Joj:yf klg ul/Psf]
5 . g]kfn /fi6 a}s
+ sf] lgb]z
{ g adf]lhd nfut d'No ahf/
d'No eGbf a9L ePsf] v08df a9L eP a/fa/sf] /sdnfO{
gfkmf gf]S;fg lx;fj vftfdf Joj:yf ul/Psf] 5 . o:tf
nufgLx?af6 l;h{gf x'g ;Sg] gfkmf jf gf]S;fg a}s
+ sf]
67
gfkmf gf]S;fg lx;fjdf To:tf nufgLsf] lg;u{sf] ;dodf

dfq b]vfOPsf] 5 .
;Dk"0f{ nufgLx? a}s
+ sf] ;~rfns ;ldtaf6 ;do ;dodf
k'g/fjnf]sg ug]{ ul/Psf] 5 .
?=!),))) eGbf sd d'No kg]{ ;DklQx?nfO{ kFh

" Ls[t gu/L
vl/b ePs} aif{df vr{ n]Vg] ul/Psf] 5 .
u= shf{ tyf ;fk6 -lan vl/b ;d]t_, shf{ gf]S;fgL Joj:yf

tyf shf{ ckn]vg
a}s
+ sf] gLlt cg'?k k|jfx ul/Psf] k|ToIf shf{x? h:t}
clwljsif{, cfjlws shf{, rfn' kFh
" L shf{, pkef]Qmf shf{
tyf k|fyldstf k|fKt / ljkGg ju{ shf{x? tyf cGo shf{
o; zLif{s cGtu{t /x]sf 5g\ .
g]kfn /fi6 a}s
+ sf] lgb]z
{ fg';f/ pQm shf{x?nfO{ c;n, ;'Id
lgu/fgL, sd;n, z+sf:kb tyf v/fa shf{sf] ?kdf juL{st[
ul/Psf] 5 . shf{ tyf ;fk6 / lan vl/b /sddf shf{
gf]S;fgL Joj:yf 36fO{ v'b /sd jf;nftdf b]vfOPsf] 5 .
ckn]vg / Xf; vr{

;DklQ k|of]u ug{ pknAw ePsf] ldltaf6 l:y/ ;DklQx?sf]
Xf; vr{ /fVg] ul/Psf] 5 . l:y/ ;DklQsf] cg'dflgt
pkof]lutf cjlwe/sf] x|f;sL 36\bf] x|f; k|0ffnL cg';f/
gfkmf gf]S;fg lx;fadf n]vfg ul/Psf] 5, hUufdf eg]
Xf; vr{ n]vfg ul/Psf] 5}g .
;~rfns ;ldltaf6 :jLs[t Write off Bylaws gLltn]

a}s
+ sf] lau|g nfu]sf] shf{ tyf lgliqmo shf{sf] k|efjsf/L
Joj:yfkgsf] lgb]z
{ g u/fpFb5 . o; gLltn] kf/bzL{
/ k|efjsf/L ckn]vg gLlt k|bfg ub{5 . o;} gLltsf]
k|jwfgleq kg]{ v/fa shf{x?nfO{ a}s
+ sf] c;'nL ug]{ xsnfO{
cljlR5Gg /fvL ckn]vg ul/Psf] 5 .
3= sd{rf/L shf{
a}s
+ sf] lgodfg';f/ sd{rf/Lx?nfO{ k|bfg ul/Psf] shf{ tyf
;fk6LnfO{ cGo ;DklQ cGtu{t b]vfOPsf] 5 .
= l:y/ ;DklQ
l:y/ ;Dkltsf] n]vfg tyf d'Nofg
l:y/ ;Dkltsf] n]vfg tyf d'Nofg Tolta]nf ul/G5 ha
To; ;Dkltaf6 eljiodf k|fKt ug]{ cfly{s nfe k|an x'G5
;fy} l:y/ ;DklQsf] nufgLnfO{ ljZj;gLo tj/n] dfkg ug{
;d]t ;lsG5 . a}s
+ sf] ;Dk"0f{ l:y/ ;DklQx?nfO{ P]ltxfl;s
nfutsf] l;4fGtdf n]vf /fVg] ul/Psf] 5 .
l:y/ ;DklQnfO{ pQm ;Dkltx?af6 l;h{gf ePsf] Xf; vr{
/sd 36fO{ lstfaL d'Nodf b]vfOPsf] 5 . ;DklQ vl/b ubf{
k|ToIf ?kdf nfu]sf ;Dk"0f{ vr{x?nfO{ ;DklQsf] nfutdf g}
hf]8L n]vfg ug]{ ul/Psf] 5 .
o:tf ;DklQx?df ul/g] vr{x?nfO{ olb dfly pNn]v ul/P
adf]lhdsf] zt{x? k"/f ePsf] v08df ;DklQsf] nfutdf
d'Nofg ul/Psf] 5 cGoyf ;fdfGo k|sl[ tsf] lg/Gt/ ?kdf
ul/g] vr{x?sf] xsdf eg] pQm ;Dkltsf] dd{t tyf ;Def/
vr{ lzif{sdf /fvL gfkmf gf]S;fg lx;fj vftfdf /fVg]
ul/Psf] 5 .
l:y/ ;DklQaf6 l;h{gf x'g ;Sg] gfkmf gf]S;fg /sd
lgwf{/0f ubf{ pQm l:y/ ;Dklt lg;u{ ul/Psf] ;dofjlw
;Ddsf] Xf; vr{ 36fO{ afFs
+ L /xg cfPsf] d'Nodf pQm
;Dklt lg;u{ ubf{ k|fKt ePsf] /sdsf] km/saf6 lgwf{/0f
ug]{ ul/Psf] 5 . ;DklQ lg;u{ ubf{ l;h{gf ePsf] gfkmf
gf]S;fg /sdnfO{ a}s
+ sf] gfkmf gf]S;fg lx;fj vftfdf
b]vfpg] ul/Psf] 5 .
lgdf{0ffwLg l:y/ ;DklQnfO{ kFh

" Lut lgdf{0f cGtu{t
b]vfOPsf] 5 .
cg'dflgt pkof]lutf cfjlwsf] cfwf/df ljleGg ;DklQdf

lgDglnlvt b/df x|f;sL ug]{ ul/Psf] 5 .
;DklQsf] k|s[lt
x|f;sL b/
ejg %%
;jf/L ;fwgx?
!%%@)%
sfof{no pks/0fx?
@%%
sDKo'6/x? @%%
kmlg{r/ @%%
KnfG6 tyf d]lzg/L
@%%
kf ljsf;
ef8fdf lnPsf] ;DklQdf ul/Psf] ljsf; vr{nfO{ kf
cjlwnfO{ cfwf/ glnO{ To:tf] kf ljsf; kFh
" Ls[t ul/Psf]
ldlt b]lv a9Ldf !) jif{ ggf3\g] ul/ ;db/ k|0ffnLdf
kl/zf]wg ug]{ ul/Psf] 5 .
;km\6j]o/ vr{
;km\6j]o/ vr{nfO vl/b d'Nodf kFh
" Ls[t u/L k|fKt u/]sf]
ldlt b]lv % jif{ jf pkof]lutf cjlw dWo] h'g sd x'G5 ;f]
;dofjlw leqdf kl/zf]wg ug]{ ul/Psf] 5 .
r= kf
ljlQo kf cGtu{t ;DklQnfO{ k|f/Deaf6 g} a}s
+ sf] ;DklQ
;/x :jLsf/ u/L ahf/ d'No jf jt{dfg d'NodWo] sddf
n]vfg ul/G5 .
kf e'QmfgLx?nfO{ ljQLo vr{sf] ?kdf jlu{s/0f ug]{
ul/Psf] 5 eg] kf e'QmfgLx?sf] b/df sdL ePdf kfsf]
afFsL ;do ;Dddf a}s
+ n] e'QmfgL ug{' kg]{ bfloTjdf
;dfof]hg u/L k|efjsf/L Aofh b/ lgwf{/0f ug]{ u/L n]vfg
ug]{ ul/Psf] 5 . ;Dkltdf n]vfg ug{ ldNg] k|sl[ t afx]ssf
ljQLo vr{x? vr{ ePs} ;dofjlwdf gfkmf gf]S;fg lx;fa
vftfdf n]vfg ug]{ ul/Psf] 5 eg] ;Defljt kfx? eg]
h'g ;dofjlwdf e'QmfgL ul/G5 ;f]xL ;dofjlwdf n]vfg
ug]{ ul/Psf] 5 .
cGo kfx? cGt{ut ;~rfng kfx? /x]sf 5g\ / kf
;Dkltx? jf;nftdf n]vfg ug]{ ul/Psf] 5}g . kf
cjlwaf6 l;h{gf x'g] cfly{s kmfObfnfO{ k|ltlglwTj ug]{
csf]{ s'g} kf ;dofjlw lgwf{/0f ug]{ cs]{ k|0ffnL gePsf]n]
;~rfng kf cGt{ut e'QmfgL ul/Psf /sdx? h'g /2 x'g]
68
k|sl[ tsf] x'G5 To:tf vr{x? ;db/ k|0ffnLsf] cfwf/df kf

cjlw;Dd vr{ n]vfg ug]{ ul/Psf] 5 .
5= u}/ a}l+ s ;DklQ
u}x| a}l+ s ;DklQ ;sf/ ubf{ C0fLaf6 p7fpg afFsL /sd
jf lwtf]df /fv]sf] ;DklQsf] k|rlnt ahf/ d'No (Distress
Value) dWo] h'g sd x'G5 To;}df d'Nofg ul/Psf] 5 .
g]kfn /fi6 a}+ssf] lgb]{zfg';f/ u}/ a}+ls ;DklQ ;sf/
ubf{ ;sf/ u/]s} ldlt b]vL zt k|ltzt gf]S;fgL Joj:yf
sfod u/L v'b /sddf b]vfpg] ug]{ ul/Psf] 5 .
h=:6]zg/L df}Hbft
vl/b ul/Psf :6]zg/L nfutdf b]vfO klxnf lslgPsf]
df}Hbft klxnf pkof]u ug]{ (First In First Out) gLlt cg'?k
gfkmf gf]S;fg lx;fjdf pkof]u ul/Psf] df}Hbftsf] cfwf/df
ug]{ ul/Psf] 5 .
cf= h]yf (Equity)
;fwf/0f z]o/ kF"hL, art tyf hu]8fsf]if, ;l~rt d'gfkmf,
z]o/ lk|ldod tyf cGo h]yf ;Fu ;DalGwt /x]sf] hu]8f
sf]ifx?sf] ;+of]hgaf6 a}+ssf] OlSj6L lgdf{0f ePsf] 5 .
a}+ssf] ;fwf/0f z]o/ g]kfn :6s PS;r]Ghdf NICA gfdaf6
sf/f]af/ x'g] u/L ;"lrs[t ul/Psf] 5 .
O= Joj:yf tyf bfloTjx?

s= sd{rf/L ;'ljwf
!= sd{rf/Lsf] ;l~rt labf jfktsf] vr{
sd{rf/Lsf] ;l~rt labf jfktsf] bfloTjnfO{ a}+ssf] sd{rf/L
;]jf ljlgodfjnL adf]lhd kfs]sf] cfwf/df n]vfg ul/Psf]
5.

@= cjsfz nfe
a}+ssf] cjsfz nfesf] ?kdf ;~ro sf]if / pkbfg gfds
b'O{ ;'ljwfx? /x]sf 5g\ . lgoldt ?kn] dfl;s ?kdf ;+ro
sf]ifsf] ?kdf a}+ssf] gfkmf gf]S;fg lx;fadf cfout vr{sf]
?kdf vr{ n]vL pQm ;~ro sf]if /sd a}+ssf] :jLs[t
cjsfz sf]ifdf hDdf ug]{ ul/Psf] 5 .
eljiodf e'QmfgL ug'{ kg]{ k|s[ltsf] pkbfg sf]if jfktsf]
bfloTj a}+ssf] sd{rf/L k|zf;g ljlgodfjnL cg';f/ k|fbefjL
n]vfk4tLsf] cfwf/df n]vfg ul/Psf] 5 . pkbfg sf]ifsf]
Joj:yf sd{rf/L k|zf;g ljlgodfjnL cg';f/ jf;nft tof/
ubf{sf] ;do;Dddf pkbfgsf] nflu of]Uo sd{rf/Lx?sf]
ljj/0f cg';f/ ul/Psf] 5 .
sd{rf/L ;~rosf]if tyf pkbfg sf]if b'j} a}+ssf] 5'} ;+:yfsf]
?kdf :yfkgf ePsf] :jLs[t cjsfz sf]ifdf hDdf ug]{
ul/Psf] 5 .
v= cfos/ Joj:yf
o; jif{sf] :yug s/ / s/ Joj:yfaf6 l;h{gf ePsf] /sd
g} cfos/ Joj:yfdf ;dfj]z ul/Psf] 5 . cfos/ Joj:yf
gfkmf gf]S;fg lx;fjdf n]vfg ul/Psf] 5 .
o; jif{sf] cfos/ bfloTj a}+s tyf ljQLo ;+:yfx?nfO{

tf]lsPsf] s/sf] b/sf] cfwf/df jf;nftsf] ldlt ;Ddsf] s/
of]Uo cfoaf6 cl3Nnf] cfly{s jif{ ;Dd a9L e'QmfgL ul/Psf]
/sdnfO{ ;dfof]hg u/L lgwf{/0f ul/Psf] 5 .
:yug s/, ;Dklt tyf bfloTjsf] n]vfg k4tL cg";f/
n]vfg ul/Psf] 5 . :yug s/ ;DklQ tyf bfloTj ljQLo
ljj/0fdf pNn]v ul/Psf] ;DklQ tyf bfloTj / s/ n]vf
k/LIf0fdf pNn]v ul/Psf] ;DalGwt ;DklQ tyf bfloTjx?sf]
leGgtfsf] cfwf/df n]vfg ul/Psf] 5 . c:yfoL leGgtfx?
k|ltj]bg tof/ ubf{sf] ;dofjlw ;Dddf lkmtf{ e'QmfgL
;dfof]hg u/L cfos/ b/ cg';f/ n]vfg u/L ;dfof]lht
:yug s/ ;DklQ tyf bfloTjsf] df}Hbft lgsfnL n]vfg
ug]{ ul/Psf] 5 .
ljQLo ljj/0f tof/ ubf{sf] ;dofjlw ;Dddf To:tf] :yug
s/ ;DklQ tyf bfloTjdf s/sf] b/sf] sf/0faf6 ePsf]
yk36 /sd a}+ssf] gfkmf gf]S;fg lx;fa vftfdf n]vfg
ul/Psf] 5 .
c:yfoL leGgtfaf6 l;h{gf ePsf] /sdnfO{ pkof]u ul/Psf]
sf/0faf6 cfpg] s/of]Uo gfkmfnfO{ :yug s/ ;Dkltsf]
?kdf n]vfg ul/Psf] 5 . :yug s/ ;DklQ x/]s ljlQo
ljj/0f tof/ ubf{sf] ;dodf k'g/fjnf]sg ug]{ ul/Psf] 5 /
bfloTj l;h{gf gx'g] k|s[ltsf /sdx? k'g/fjnf]sg ul/Psf]
;dodf ;dfof]hg ul/Psf] 5 .
u= sd{rf/L af]g; Joj:yf
af]g; P]g, @)#) adf]lhd s/ ltg{' cl3sf] v'b gfkmfsf] !)
k|ltztsf b/n] sd{rf/L af]g; jfkt Joj:yf ul/Psf] 5 .
O{= cfDbfgL
!=Jofh cfDbfgL
s= shf{ tyf ;fk6Ldf k|fKt x'g] Aofh cfDbfgL g]kfn /fi6
a}+ssf] lgb]{zg adf]lhd gub k|flKtsf]
cfwf/df n]vfg ul/Psf] 5 . oBlk g]kfn n]vfdfgsf]
l;fGt cg';f/ cfDbfgLnfO{ kfs]sf] cfwf/df n]vfg ug{'
kb{5 . g]kfn /fi6 a}+ssf] lgb]{lzsf adf]lhd hf/L ul/Psf]
Jojxfl/s tyf kf}/fl0fs l;4fGt cg';f/ a}+sn] cjnDjg
u/]sf] cfDbfgL n]vfg ug]{ l;4fGt cg'kfngf ug]{ ul/Psf] 5 .
v= 6]h/L laN;, g]kfn ;/sf/sf] C0fkq, tyf cGo ljQLo
;+oGqx?df ul/Psf] nufgLdf k|fKt x'g]
Aofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vfg ul/Psf] 5
. pQm nufgLdf ul/Psf] lk|ldod tyf l8:sfpG6x?nfO{
k|efjsf/L Aofh b/ lgwf{/0f ug{sf] nflu nufgLsf] nfutdf
g} ;dfof]hg ug]{ ul/Psf] 5 .
@= sldzg cfDbfgL
sldzg cfDbfgL ;fdfGotof To:tf cfDbfgLx? k|fKt ePs}
;dodf n]vfg ug]{ ul/Psf] 5 .
a}+s hdfgt afktsf] sldzg ?=%),))) eGbf a9L ePsf]
v08df pQm a}+s hdfgtsf] e'QmfgL ;dofjlw ;Dddf x'g]
u/L k|f]befjL l;4fGtsf] cfwf/df n]vfg ug]{ ul/Psf] 5 .
69
#= nfef+z cfDbfgL
nfef+z cfDbfgL k|fKt x'g] clwsf/ :yflkt ePkl5 n]vfg
ug]{ ul/Psf] 5 . af]g; z]o/sf] xsdf eg] z]o/ ;+Vofdf dfq
j[l4 u/L s'n z]o/ nufgL /sdnfO{ oyfjt /fvL n]vfg ug]{
ul/Psf] 5 .
$= ax'd'No wft'sf] sf/f]jf/
a}+sn] ax'd'No wft'sf] -;'g tyf rfFbL_ sf/f]jf/ cfkm}+n]
df}Hbft /fv]/ jf cfk"lt{stf{;+u ePsf] Joj:yf cg'?k k|]if0f
ePsf] df}Hbft /fv]/ ug]{ u/]sf] 5 . o;/L cfkm}+n] /fv]sf]
df}Hbft cGo ;DklQdf ;dfj]z ul/Psf] 5 . k|]if0f ePsf]
df}Hbftdf nfUg] eG;f/ z'NsnfO{ klg cGo ;DklQdf ;dfj]z
ul/Psf] 5 .
ax'd'No wft'sf] sf/f]af/ g]kfn /fi6 a}+ssf] lgb]{lzsf adf]lhd
ug]{ ul/Psf] 5 .
%= ljb]zL ljlgdo sf/f]jf/x?
ljb]zL d'b|fdf /x]sf] ;DklQ tyf bfloTj, ;'grfFbL
;d]tnfO{ jf;nftsf] ldltdf ljBdfg vl/b tyf laqmLsf]
dWo b/n] lx;fa u/L g]kfnL ?k}+ofFdf ?kfGt/0f ul/Psf] 5
.ljb]zL ljlgdosf] vl/b tyf laqmL, ;'grfFbL ;d]taf6
ePsf cfDbfgL tyf gf]S;fgLnfO{ sf/f]jf/ ePsf] ldltdf
u0fgf u/L ;6xL 36a9 cfDbfgL jf gf]S;fgLsf] ?kdf
b]vfOPsf] 5 . ljleGg ljb]zL ljlgdo tyf ;'grfFbL
;d]tsf] vl/b tyf laqmL b/df ePsf] kl/jt{gsf] sf/0fn]
x'g] gfkmf jf gf]S;fgnfO{ b}lgs ?kdf u0fgf u/L ;6xL
36a9 cfDbfgLgf]S;fgdf b]vfOPsf] 5 .
g]kfn /fi6 a}+ssf] lgb]{zfg';f/ To;/L k|fKt ePsf] gfkmfsf]
@% k|ltzt gfkmf gf]S;fg afF8kmfF8 lx;faaf6 /sdfGt/ u/L
;6xL 36a9 sf]ifdf ;fg]{ ul/Psf] 5 .
p= vr{
!= Jofh vr{
lgIf]k bfloTj, cGo a}+s;+u lnPsf] ;fk6L tyf C0fkqdf
ltg{'kg]{ JofhnfO{ kfs]sf] cfwf/df n]vfg ug]{ ul/Psf] 5 .
@= sd{rf/L vr{
;DalGwt cfly{s jif{df sd{rf/Lx?n] cfkm\gf] ;]jf k|bfg
u/]afkt a}+sn] e'QmfgL ug{' kg]{ sd{rf/L vr{ cGt{ut
cNksflng tyf lb3{sfnLg vr{x?nfO{ ;dfj]z ul/ n]vfg
ug]{ ul/Psf] 5 . cNksfnLg vr{x? ;DalGwt ;]jf lzif{s
cGt{ut n]vfg ug]{ ul/Psf] 5 .
eljiodf ltg{' kg]{ sd{rf/L vr{x? sd{rf/Lx?n] jf;nft
tof/ ubf{sf] jif{ ;Dddf ;]jf k|bfg u/]sf] cfwf/df
kfs]]sf vr{x? h:t} labf jfktsf] e'QmfgL tyf
pkbfg sf]if ;dfj]z ug]{ ul/Psf] 5 . To:tf lb3{sfnLg
e'QmfgLx? jf;nft ldltsf] d'Nodf l8:sfpG6 gu/L
n]vfg ug]{ ul/Psf] 5 .
#= ;Defljt shf{ gf]S;fgL Joj:yf

g]kfn /fi6 a}+ssf] lgb]{lzsf adf]lhd lgb]{zg ul/Psf] !
k|ltzt b]lv !)) k|ltzt ;Ddsf] juL{s/0f cg';f/ shf{
tyf ;fk6Lsf] /sddf shf{ gf]S;fgL Joj:yf ug]{ ul/Psf] 5 .
$= shf{ ckn]vg
shf{x? g]kfn /fi6 a}+ssf] lgb]{lzsf adf]lhd v/fa shf{sf]
>]0fLdf >]0fLs[t ul/Psf shf{x?nfO{ ;~rfns ;ldlt
tyf g]kfn /fi6 a}+saf6 :jLs[t Write off Bylaw gfds
gLltsf]clwgdf /xL v/fa shf{x?nfO{ a}+ssf] c;'nL ug]{ xsnfO{ cljlR5Gg /fvL shf{ ckn]vg ug]{ ul/Psf] 5 .
pm= ;Defljt bfloTj tyf ;DklQx?sf] Joj:yf
a}+sn] ljutdf ePsf 36gfqmd jf cfly{s lqmofsnfkx?af6
eljiodf l;h{gf x'g ;Sg] bfloTjsf] d'Nofg u/L ;Defljt
bfloTjsf] Joj:yf ug]{ ul/Psf] 5 . To:tf Joj:yfx? x/]s
jf;nft tof/ ul/Fbfsf] ;dodf k'g/fjnf]sg u/L yk36 ug]{
ul/Psf] 5 . olb To:tf ;Defljt bfloTjx? eljiodf r'Qmf
e'Qmfg ug{' gkg]{ ePdf jf;nft tof/ ul/Psf] ;dodf g}
Joj:yfaf6 lkmtf{ ug]{ ul/Psf] 5 .
;Defljt bfloTjx?df b]xfo adf]lhdsf ljifox? ;dfj]z
ul/Psf 5g\ M
-s_ ljutsf 36gfqmdaf6 pTkGg x'g ;Sg] To:tf ;+efljt
bfloTjx? h;sf] cl:tTj eljiosf Ps jf PseGbf
a9LclglZrt 36gfqmdx?n] lgSof}{n ug]{5, h'g a}+ssf]
lgoGq0feGbf aflx/ /x]sf] x'G5, jf
-v_ ljutsf 36gfqmdaf6 pTkGg ePsf t/ b]xfosf sf/0fn]
ubf{ xfn n]vfg gul/Psf bfloTjx? . bfloTj lg;u{
ug{sf nflu cfly{s nfe x'g] >f]t aflxl/g] ;Defjgf g/x]sf]
bfloTj dfkg ug{ ;lsg] kof{Kt ljZj;gLo cfwf/ gePsf]
k|lttkqsf] clGtd df}Hbft, a}s
+ hdfgt, km/jf8{ PS;r]Gh
s/f/ bfloTj / ljjflbt cfos/ bfloTjx?nfO{ a}s
+ sf]
;Defljt bfloTj cGt{ut n]vfg ug]{ ul/Psf] 5 . To;sf]
cltl/Qm cGo 1ft bfloTjx? h;nfO{ df}Hbftsf] Joj:yf
ug{' kg]{ k|sl[ tsf / h;sf] eljiodf cfpg ;Sg] glthf
;'lglZrt ug{ g;lsg] k|sl[ tsf t/ 36\g ;Sg] j:t'ut
cfwf/ ePsf bfloTjx?nfO{ ;Defljt bfloTj cGt{ut
n]vfg ug]{ ul/Psf] 5 .
;Defljt ;DklQx?nfO{ jf;nftdf b]vfOPsf] 5}g eg] cGo
ljj/0fx?df klg pNn]v ug]{ ul/Psf] 5}g . tyflk ;Defljt
;DklQx? lg/Gt/ ?kdf d'Nofg ug]{ ul/Psf] 5 / To:tf
;DklQx? jf:tljs ?kdf g} ;Dkltsf] ?kdf k|fKt eP
kZrft eg] k|fKt ePsf] ;dodf g} n]vfg ug]{ ul/Psf] 5 .
P= jf;nft ldlt kl5sf 36gfx?

jf;nft ldlt kl5sf 36gfx? To:tf cg's'n tyf k|lts'n
36gfx? X'g\, h'g jf;nft ldltb]lv ljQLo ljj/0f hf/L
ug{sf nflu :jLs[t ul/Psf] ldltsf aLr 3l6t x'G5g\ .
o; jf;nft ldltkZrft 3l6t ;a} ;f/e't tyf dxTjk"0f{
36gfx?nfO{ Wofg lbO{Psf] 5 / o;nfO{ n]vf l6Kk0fLdf k|:t't
ul/Psf] 5 .
70
n]vf ;DalGw l6Kk0fLx
cg';"rL ##
!= k"hLut ;+/rgf / r'Qmf k"hL
a}+ssf] z]o/ kF"hLsf] ;+/rgf o; k|sf/ /x]sf] 5 .

= a+}ssf]
clws[t kF"hL ?= #,^),)),)),))) -cIf/]kL tLg ca{ ;f7L s/f]8 ?k+}ofF dfq_ /x]sf] 5 . pQm kF"hLnfO{ ?=!)) sf
b/n] #,^),)),))) -tLg s/f]8 ;f7L nfv_ yfg z]o/df ljefhg ul/Psf] 5 .
= a+}ssf] hf/L tyf r'Qmf kF"hL ?=@,^%,*@,*$,*)) -cIf/]kL b'O{ ca{ k+};L s/f]8 aof;L nfv rf}/f;L xhf/ cf7 ;o ?k+}ofF dfq_
/x]sf] 5 . ;fwf/0f z]o/ ;+Vof @,^%,*@,*$* -b'O{ s/f]8 k+};L nfv aof;L xhf/ cf7 ;o c8\rfnL;_ yfg k|lt z]o/ ?=!))
sf b/n] /x]sf] 5 .
a}+ssf] :yfkgf kZrft kF"hLdf ePsf] kl/jt{g ;DalGw ljj/0f b]xfo adf]lhd /x]sf] 5 .
cfly{s jif{
clws[t k"hL
hf/L k"hL
r'Qmf k"hL
s}lkmot
@)%%%^
!,)),)),)),)))
#@,%),)),))) #@,%),)),)))
;'?sf] z]o/ kF"hL ?=!)) sf b/n]
@)%^%&
!,)),)),)),)))
%),)),)),))) $(,!$,&@,^))
k|fylds ;fj{hlgs lgisfzg
@)%&%*
!,)),)),)),)))
%),)),)),))) $(,(&,@(,%)) afFsL /x]sf] z]o/ jfktsf] /sd ;+sng
@)%*%(
!,)),)),)),)))
%),)),)),))) $(,(*,(),))) afFsL /x]sf] z]o/ jfktsf] /sd ;+sng
@)%(^)
!,)),)),)),)))
%),)),)),))) $(,((,%$,%)) afFsL /x]sf] z]o/ jfktsf] /sd ;+sng
@)^)^!
!,)),)),)),)))
%),)),)),))) $((,(,%(,%)) afFsL /x]sf] z]o/ jfktsf] /sd ;+sng
@)^!^@
!,)),)),)),)))
%),)),)),))) %),)),)),))) afFsL /x]sf] z]o/ jfktsf] /sd ;+sng
@)^@^#
!,)),)),)),))) ^),)),)),))) ^),)),)),)))
@) af]g; z]o/
@)^#^$
!,)),)),)),))) ^^,)),)),))) ^^,)),)),)))
!) af]g; z]o/
@)^$^%
!,)),)),)),))) (%,)$,)),))) &(,@),)),)))
@) af]g; z]o/
($,#*,&&,!))
@) xsk|b z]o/
@)^%^^
!,^),)),)),))) !,$),$*,)),))) (%,)$,)),))) cfly{s jif{ @)^#^$ sf] xsk|b z]o/

cfj]bg gk/]sf] ljs|L
!,!$,)$,*),)))
@) af]g; z]o/
@)^^^&
!,^),)),)),))) !,#!,!%,%@,))) !,#!,!%,%@,)))
!% af]g; z]o/
@)^&^*
!,^),)),)),))) !,#!,!%,%@,))) !,#!,!%,%@,)))
@)^*^(
!,^),)),)),))) !,#!,!%,%@,))) !,#!,!%,%@,)))
@)^(&)
#,^),)),)),)))
@,#!,!%,%@,))) @,#!,!%,%@,))) !,)),)),))) lsQf ;fwf/0f z]o/ k|lt
z]o/ !)) sf b/n] tTsfnLg a+}s ckm
Plzof g]kfn lnld6]8sf z]o/wgLx?nfO{

k|bfg ul/Psf] x'gfn]
@)&)&!
#,^),)),)),))) @,#!,!%,%@,))) @,#!,!%,%@,)))
@)&!&@
#,^),)),)),))) @,^%,*@,*$,*)) @,^%,*@,*$,*))
!% af]g; z]o/
@=;fwf/0f hu]8f sf]if
rfn' cfly{s jif{sf] d'gfkmfaf6 ;fwf/0f hu]8f sf]ifdf /sdfGt/ ul/Psf] /sd o; k|sf/ /x]sf] 5 .

?= xhf/df
;'? df}Hbft
(,!$,)$#
a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)^# sf] bkmf $$ adf]lhd/sdfGt/ u/]sf] -gf]6!_
1,36,063
clGtd df}Hbft
!),%),!)^
gf]6M
!=a}+s tyf ljQLo ;+:yf ;DalGw P]g, @)^# sf] bkmf $$ adf]lhd a}+sn] rfn' cfly{s jif{sf] v'b d'gfkmfaf6 @) k|ltzt jfkt ?=!#,^),^#,$@@
-ut cfly{s jif{ ?=!^,^#,!&,&&^_ gfkmfgf]S;fg afF8kmfF8 lx;faaf6 ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 .
#=k"hLut hu]8f sf]if
rfn' cfly{s jif{sf] k"FhLut hu]8f sf]ifdf /sdfGt/ ul/Psf] /sd o; k|sf/ /x]sf] 5 .

?= xhf/df
;'? df}Hbft
!),)),)))
gfkmf gf]S;fg jfF8kmfF8 lx;fjdf ;f/]sf] -af]g; ;]o/ k|of]hgsf] nflu_
$,%!,()*
clGtd df}Hbft 5,48,092
71
$= ;6xL 36a9 sf]if
a+}s tyf ljQLo ;+:yf ;DaGwL P]g, @)^# sf] bkmf $% adf]lhd a+}sn] rfn' cfly{s jif{sf] ljb]zL d'b|fsf] k'g{d'Nofgaf6 l;h{gf
ePsf] s'n cfDbfgLsf] @% k|ltzt /sd ;6xL 36a9 sf]ifdf Joj:yf ug{'kb{5 . a+}ssf] o; jif{sf] ;6xL 36a9 cfDbfgL gePsf]n]
;6xL 36a9 sf]ifdf /sd Joj:yf ul/Psf] 5}g . ut jif{ o:tf] Joj:yf jfktsf] /sd ?=^#,)),))# ul/Psf] lyof] . ;6xL 36a9
sf]ifdf /x]sf] clGtd df}Hbft ?=#,##,!$,!&@ /x]sf] 5 .
%= C0fkq e'QmfgL sf]if
g]kfn /fi6 a}+ssf] lgb]{lzsf !^)&! sf] bkmf % Joj:yf adf]lhd O{hfhtkqk|fKt ;+:yfx?n] cfkm\gf] C0fkq bfloTj jfkt k"FhL
lkmtf{ e'QmfgL sf]ifsf] Joj:yf ug'{ kb{5 .
& jif{ e'QmfgL cjlw /x]sf] C0fkq /sd ?=%) s/f]8 dWo]sf] o; jif{ ?=&,!$,@*,%&@ -ut jif{ z'Go_ gfkmf gf]S;fg afF8kmfF8
lx;fjaf6 5'ofOPsf] 5 . o; jif{sf] cGtdf pQm C0fkq e'QmfgL sf]ifdf ?=&,!$,@*,%&@ df}Hbft /x]sf] 5 .
^= :yut s/ sf]if
g]kfn /fi6 a}+ssf] lgb]{lzsf $@)&@ cg';f/ :yug s/ ;Dklt a/fa/ l;h{gf ul/Psf] :yug s/ hu]8fsf]ifsf] /sd cGo
:jtGq sf]ifdf /sdfGt/ ug'{ kg]{5 . ;f]xL cg';f/ :yug s/ ;Dkltaf6 lkmtf{ ePsf] /sd ;dfof]hg kZrft afFsL x'g cfPsf]
/sd lgDg adf]lhd cGo :jtGq sf]ifdf /sdfGt/ ul/Psf] 5 .

?= xhf/df
ut cf=j= sf] cGTodf ;l~rt df}Hbft
@*,!(#
:yug s/ ;DklQaf6lkmtf{
#,@%@
cGo sf]ifdf /sdfGt/ ul/Psf]
@$,($!
clGtd df}Hbft
&= nufgL ;dfof]hg sf]if
g]kfn /fi6 a}+ssf] lgb]{lzsf adf]lhd a}+sn] nufgL ;dfof]hg sf]ifdf lalqmsf] nflu of]Uo nufgL sf] lzif{s afkt l;h{gf lgDg
cg';f/sf] /sd nufgL ;fdfof]hg sfi]fdf l;h{gf u/]sf] 5 .

?= xhf/df
ut cf=j= sf] cGTodf ;l~rt df}Hbft
^$$
;'lrs[t gePsf] z]o/ -gf]6 !_
@(,)))
nufgL ;dfof]hg sf]ifdf yk -cGo nufgLaf6 l;h{gf ePsf]_
%,@)!
clGtd df}Hbft
#$,*$%
gf]6 M
!= g]kfn /fi6 a}+ssf] lgb]{lzsf *@)&@ adf]lhdgofF v'n]sf ;+ul7t ;+:yfdf u/]sf] nufgLsf] xsdf To:tf] sDkgL ;~rfngdf
cfPsf] ldltn] @ jif{ leq jf nufgL u/]sf] @ jif{ leqdf pQm z]o/ ;'lrs[t gePsf] v08df nufgL eP a/fa/sf] ;Dk"0f{ /sd
nufgL ;dfof]hg sf]ifdf hDdf ug'{ kg]{5 .
*= &=@%% Pg cfO{ ;L Plzof af]08 @)&&
%) s/f]8 cls+t d'Nosf &=@% s'kg b/ ePsf] & jif{ cjlwsf] &=@% Pg cfO{ ;L Plzof af]08 @)&& a}+sn] hf/L cfly{s
jif{ @)&)&! df g]kfn /fi6 a}+s / g]kfn lwtf]kq af]8{af6 :jLs[lt lnO{ hf/L u/]sf] 5 . pQm C0fkqx? g]kfn :6s PS:r]Gh
lnld6]8df ;"lrs[t ul/Psf] 5 .
(= sd{rf/L cfjf; sf]if
a}+ssf] sd{rf/L ;]jf ljlgodfjnLdf sd{rf/LnfO{ cfjf; shf{ pknAw u/fpg] 5'} Joj:yf ePsf]n] >d P]g, @)$* cg';f/ sd{rf/L
cfjf; sf]ifsf] Joj:yf ul/Psf] 5}g .
!)= lx;fa ldnfg

ljj/0f
hDdf /sd
# dlxgf eGbf d'lgsf]
# b]lv ( dlxgf ;Ddsf]
( dlxgf eGbf a9Lsf]
Zffvf lx;fa

Ph]G;L lx;fa
@),)$,^@,)^%
!(,%(,&@,^&&
!,)#,%),&^$
!%,$),*$%
pNn]v ul/Psf /sdx? 8]la6 /sd / s|]l86 /sdsf] of]u x'g\ . lx;fa ldnfg x'g afFsL /sdx?sf] klxrfg eO lx;fa ldnfg
eO;s]sf] 5 .
!!= nufgL
s_ Jofkf/Ls nufgL
a}+s ;Fu Jofkfl/s nufgL cGtu{t To:tf] s'g} nufgL gePsf] .
72
v_ e'QmfgL ldlt ;Dd wf/0f ug]{ nufgL

a}+ssf] e'QmfgL ldlt ;Dd wf/0f ug]{ nufgL cGtu{t lgDg adf]lhd pNn]lvt nufgLx? nfut d'Nosf] cfwf/df d'Nof+sg ul/Psf]
5.
?= xhf/df
ljj/0f
Nfut
6]h/L lan
g]kfn ;/sf/sf] C0fkq
ljb]zL C0fkq
ljb]zL a+}s nufgL
lgIf]k ;+sng -g]=/f=a}+s af6 hf/L_
hDdf
Joj:yf
#$,!(,^@*
@&,#*,(&^
!,**,!((
*,$&,#$$
@^,)),)))
(&,($,!$^
v'b nufgL
#$,!(,^@*
@&,#*,(&^
!,**,!((
*,$&,#$$
@^,)),)))
(&,($,!$^
u_ ljlqmof]Uo nufgL
a}+ssf] ljlqmof]Uo nufgLdf e'QmfgL ldlt ;Dd wf/0f ug]{ nufgL / Jofkfl/s nufgL afx]ssf] nufgL ;dfj]z 5 .
?= xhf/df
ljj/0f
nfut d'No
:jb]zL Ohfht k|fKTf ljQLo ;+:yfsf] #

cGo ;+:yfsf] z]o/ kF"hLdf ul/Psf] nufgL -;"lrs[t gePsf]_ *
cGo ;+:yfsf] z]o/ kF"hLdf ul/Psf] nufgL -;"lrs[t ePsf]_ **
Do'rn km08df nufgL
hDdf
#(,@#!
@$,)!!
!,^*,)()
(*,(#%
#,#),@^&
ODk]o/d]G6 gf]S;fg
v'b nufgL
#(,@#!

@$,)!!
### !^&,&%&

(*,(#%
### #,@(,(#$
:jb]zL Ohfhtk|fKt ljQLo ;+:yfsf] kF"hLdf ul/Psf] nufgL cGtu{t u|fld0f n3'ljQ lasf; s]Gb| lnld6]8 / d]/f] n3' ljQ ljlQo
;+:yf lnld6]8sf] ;+:yfks z]o/df ul/Psf] nfufgL /x]sf]5 . h;df u|fld0f n3'ljQ lasf; s]Gb| lnld6]8sf] z]o/ bf];|f] ahf/df
;'lrs[t ul/Psf] 5 t/ ;+:yfks z]o/sf] o; jif{df s/f]af/ gePsf] sf/0fn] pQm z]o/sf] ahf/ d'No lgwf{/0f ug{ g;lsPsf] .
nufgLx?nfO{ gf]S;fgL Joj:yfsf] ;dfof]hg u/L v'b nufgLdf b]vfOPsf] 5 .
* cGo ;+:yfsf] z]o/df ul/Psf] nufgL -;'lrs[t gePsf]_

cGo ;+:yfsf] z]o/ nufgL cGtu{t shf{ ;"rgf s]Gb| lnld6]8, g]kfn lSnol/ xfp; lnld6]8, g]Zgn a}+ls OlG:6Ro'6 lnld6]8
/ g]kfn On]S6f]gLs k]d]G6 l;:6d lnld6]8sf] ;+:yfks z]o/df nufgL /x]sf] 5 .
** cGo ;+:yfsf] z]o/df ul/Psf] nufgL -;'lrs[t ePsf]_
cGo ;+:yfsf] z]o/ nufgL cGtu{t g]kfn b'/ ;~rf/ sDkgL lnld6]8, lrlnd] xfO8f] kfj/ sDkgL lnld6]8, a'6jn xfO8f] kfj/
sDkgL lnld6]8 / c?0f EofnL xfO8f] kfj/ sDkgL lnld6]8sf] z]o/df /x]sf] 5 .
!@= shf{ tyf ;fk6L k|jfx, c;'nL tyf ;fjf Jofh ckn]vgsf] ;f/f+z

ljj/0f
o; jif{
?= xhf/df
ut jif{
;'? df}Hbft
#,&#,)%,**@
#,@$,!^,!&)
shf{ k|jfx
@,#@,&%,$$*
@,@%,&(,(#*
shf{ c;'nL
!,&@,%!,#)*
!,&^,(),@@%
clGtd df}Hbft
$,##,#),)@@
#,&#,)%,**@
shf{ ckn]vg*
!,^&( %),)))
Jofh ckn]vg
*&%
!%,!$%
* o; cfly{s jif{df ul/Psf] shf{ ckn]vg ;DalGw lj:t[t ljj/0f ljlQo ljj/0fsf] cg';"rL g+=@*-s_ df pNn]v ul/Psf] 5 .
!#= lgIf]k bfloTjdf kl/jt{gsf] ;f/f+z

ljj/0f
rNtL lgIf]k
dflh{g lgIf]k
art lgIf]k
sn lgIf]k
d'2tL lgIf]k
cGo lgIf]k
hDdf
o; jif{
ut jif{
#!,%*,#*(
!$,&&,&))
#,$%,&()
!,(&,$^$
!,%@,)&,#&*
!,!%,%(,##!
!,%*,*#,*@!
!,#%,)(,*$)
!,**,%#,&^$
!,*@,@*,!*!
@*,)$@
!!,&)@
%,#$,&&,!*$ $,$(,*$,@!*
?= xhf/df
km/s
!^,*),^**
!,$*,#@^
#^,$*,)$&
@#,&#,(*!
^,@%,%*#
!^,#$)
*$,(@,(^^
73
!$= sd{rf/L shf{ tyf ;fk6L k|jfx

sd{rf/L ;'ljwf jfkt sd{rf/Lx?nfO{ shf{ tyf ;fk6L k|jfx ul/Psf] 5 . jf;nftsf] lbgdf sd{rf/LnfO{ k|jfx u/]sf] shf{ tyf
;fk6L ljj/0f o; k|sf/ /x]sf] 5 .

?= xhf/df
ljj/0f
o; jif{
JolQmut shf{
cfjf; shf{
;jf/L shf{
hDdf
ut jif{
*$,)%)
&!,(^^
!,*#,)%@
!,%!,$$!
(,!@)
!),@!)
@,&^,@@# @,##,^!*
!%= Ps} ;d"xdf clws]lGb|t shf{ tyf ;fk6, lgIf]k tyf bfloTj tyf cGo sf/f]jf/sf] ljj/0f
?= bz nfvdf
ljj/0f

shf{, ;fk6L tyf laN; vl/b

o; jif{
ut jif{
lgIf]k tyf ;fk6L

o; jif{
ut jif{
u}x| sf]ifdf cfwfl/t ;'ljwf

o; jif{
ut jif{
s'n shf{
$#,##)
#&,#)% %#,(&& $$,(*#
$,*%%
#,$((
Pp6} OsfOdf ul/Psf] clwstd k|jfx
!,)!@
&*$
@,&&&
!,(*#
*$^
*)!
Psfu|tf k|ltzt
@=#$
@=!)
%=!(
$=$!
!&=$@
@@=**
sf]ifdf cfwfl/t shf{ tyf u}x| sf]ifdf cfwfl/t ;'ljwf cGtu{t Psn u|fxs l;df / If]qut l;df -lgb]{lzsf g+ #_ g]kfn /fi6 a}+saf6
hf/L PsLs[t lgb]{lzsfn] tf]s]sf] l;dfleq /x]sf 5g\ .
!^= lnhxf]N8 ;DklQ
a}
+ssf] o; jif{ lnhxf]N8 ;DklQdf ePsf] kl/jt{g lgDg adf]lhd /x]sf] 5 .
ljj/0f
;'? df}Hbft
?=xhf/df
o; jif{ yk
o; jif{ ljs|L lg;u{
ckn]vg
clGtd df}Hbft
lnhxf]N8 ;Dklt
!,)^,)@$
$^,#*!
lnhxf]N8 ;DklQx?nfO{ ljQLo ljj/0fdf lstfaL d'Nodf b]vfOPsf] 5 .
#(
#^,^!%
!,!%,&%@
!&= ckn]vg ug{ afFsL vr{x?sf] ljj/0f

?=xhf/df
ljj/0f
;'? df}Hbft
yk
ljs|Llg;{u
ckn]vg ;dfof]hg clGtd df}Hbft
dh{/ ;DaGwL vr{

*,#(^

*,#(^
af]08 ;DaGwL vr{

#,!#$

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

*,*%%
@,^&%
o; jif{ ;Dk"0f{ dh{/ ;DaGwL vr{nfO{ ckn]vg ul/Psf] 5 h'g ut jif{ ;Dd cfly{s jif{ @)^(&) af6 % jif{ ;Dddf ckn]vg
ug]{ of]hgf ul/Psf] lyof] .
af]08 ;DaGwL vr{ cGt{ut Pg cfO{ ;L Plzof af]08 @)&& lgisfzg ubf{ nfu]sf] vr{x? ;dfj]z ul/Psf] 5 h'g af]08sf] & jif{sf]
e'QmfgL cjlw ;Dddf ckn]v ul/g]5 .
!*= u}x| a+}ls ;DklQsf] ljj/0f

ljj/0f
;'? df}Hbft
o; cf=j= sf] yk
o; cf=j= sf] ljs|L
l:y/ ;DklQdf ;fl/Psf]
clGtd df}Hbft
?= xhf/df
o; aif{
ut aif{
@,(&,*(@

@&,())

@,^(,((@
@,(&,*(@
@,(&,*(@
!(= ax'd'No wft'sf] sf/f]jf/

jf;nftsf] lbgdf a+}s;Fu %( lsnf] ;'g / !^@% lsnf] rfFbLsf] df}Hbft /x]sf] 5 . a+}ssf] cf=j= @)&!&@ sf] ax'd'No wft'sf]
sf/f]jf/ lgDg cg';f/ /x]sf 5g\ .
ljj/0f
;'? df}Hbft
o; jif{sf] yk
o; jif{sf] ljs|L
clGtd df}Hbft
;'g -lsnf]_
rfFbL -lsnf]_
##
@))
-!&$_
%(
*!^
#,$@)
-@,^!!_
!,^@%
a+}sn] Ph]G6sf] e'ldsf lgjf{x u/]sf]n] ;'g / rfFbLsf] clGtd df}HbftnfO{ :6sdf b]vfOPsf] 5}g . ;'g / rfFbLsf] ljs|Ldf cfh{g u/]sf]
sldzg cg';"rL @) -sldzg / l8isfpG6_ df b]vfOPsf] 5 .
74
@)= k"hL k|lta4tf

jf;nftsf] lbgdf a}+ssf] tkm{af6 s'g} kF"hL k|lta4tf /x]sf] 5}g .
@!= a+}ssf] :jfldTjdf /x]sf] ;DklQ lwtf] /fvL lnOPsf] ;fk6L
jf;nftsf] lbgdf a}+ssf] :jfldTjdf /x]sf] ;DklQ lwtf] /fvL ;fk6L lnOPsf] 5}g .
@@= z]o/jfkt k|fKt x'g afsL /sd
a}+s4f/f hf/L ul/Psf z]o/ jfkt k|fKt ug{'kg]{ ;Dk"0f{ /sd k|fKt eO;s]sf 5g\ / jf;nftsf] lbgdf z]o/ jfkt k|fKt ug{'kg]{ jSof}tf
/sd /x]sf] 5}g .
@#= t/ntf hf]lvd
a}+ssf] cfiff9 #!, @)&@ -h'nfO{ !^, @)!%_ t/ntf hf]lvdnfO{ g]kfn /fi6 a}+ssf] lgb]{lzsf cg'?k lgDg ;+/rgfut t/ntf
tflnsfdf k|:t't ul/Psf] 5 .

qm=;=

?= b; nfvdf
!&
lbg
*#) #!() (!!*) !*!@&) @&!#^%

Ps jif{
lbg
lbg
lbg
lbg
lbg eGbf dfly
s'n
/sd
;DklQ
! gub df}Hbft
!,)$@

!,)$@
@ a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft
%,^#!

%,^#!
# ljb]zL a}+sdf ul/Psf] nufgL

#)
@)#
%)*
!)^
!** !,)#^
$
sn dgL

% ;/sf/L ;'/If0fkq
!,)))
@,@$*
^&(
$^( !,(%$ @,$)* *,&%(
^
g]=/f=a}+s C0fkq

& cGt/ a}+s tyf ljQLo ;+:yfdf shf{

* shf{ ;fk6
!,)$) @,(%# ^,&$! $,(*) @,))) !,%!$ @$,!)# $#,##)
( Kfpg' kg]{ Aofh
@**
%*
!
#
&
!
$
#^@
!)
l/e;{ l/kf]

!! k|lta4tf cGtu{t cGo ;+:yfx?af6 k|fKt x'g]

!@ qm=;= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL

*(( !,)@# !,#!&
^)@
^^*
#*!
!,(&& ^,*^&
!# cGo
^(
^( !#*

!,)@) !,@(%
s'n ;DklQ -s_
(,(^* $,!)@ !),$&^ ^,$^& #,^%@ #,(%^ @(,&)) ^*,#@!
bfloTj
!$ rNtL lgIf]k
#$ !!) @*&
$#!
$#!
$%%
!,&*# #,%#@
!% art lgIf]k -sn lgIf]k ;d]t_
@%$ *#$ @,!&% #,@^@ #,@^@ #,$$$ !&,*^! #!,)(!
!^ d'2tL lgIf]k
!!) #(* !,^^) @,(*^ !,**@ *,%$$ #,@&$ !*,*%$
!& C0fkqx?

%))
%))
!*
;fk6L

s= dfucNk ;"rgf

v= cGt/ a}+slj= ;+:yf

u= k'g/shf{

#= cGo

!( cGo bfloTj tyf Joj:yfx?
!#!
%( !%)

^%@
((@
;08L qm]l86;{
%(
%( !!*

#%#
%*(
e'QmfgL lbg'kg]{ ljn
$!

$!
e'QmfgL lbg'kg]{ Aofh
#!

#@

@((
#^@
Joj:yfx?

cGo

@) k|lta4tf cGtu{t cGo ;+:yfx?nfO{ lbg'kg]{
!* !** *$
!(

#)(
@! pkef]u e}g;s]sf] :jLs[t ;'ljwfx?
@** @(* $!$ %*@
^^*
#*!
@,^#@
@@ k|lttkqhdfgt v'b|f
%(# %#& *!(

!,(&& #,(@^
@#
l/kf]

@$ qm=;= !! cGtu{tsf] ;'ljwfsf] e'QmfgL

@%
cGo

s'n bfloTj -v_
!,$@* @,$@# %,%() &,@*! ^,@$$ !@,*@$ @^,)$& ^!,*#&
v'b ;DklQ -sv_
*,%$) !,^&* $,**^ -*!$_ -@,%(!_ -*,*^*_
#,^%# ^,$*%
;+lrt v'b ;DklQ
*,%$) !),@!* !%,!)% !$,@(! !!,&)) @,*#@ ^,$*%
@$= lnh k|lta4tf

a}+sn] nfdf] ;dofjlwsf] nflu ljleGg ;DklQx? ab/ ug{ ;lsg] clwsf/ ;lxt lnhdf lnPsf] 5 . lglZrt ;do cufj} ;"rgf
lbP/ lnh s/f/ ab/ ug{;Sg] clwsf/ a}+sdf lglxt /x]sf] x'gfn] a}+ssf] x'g;Sg] bfloTj ;"rgf cjlwsf] nflu l;lh{t x'g] lnh
e'QmfgLdf l;ldt /x]sf] 5 .
75
@%= :yut s/
s=:yug s/sf] ljj/0f

ljj/0f
o; jif{
?= df
ut jif{
:yug s/ ;DklQ

sd{rf/L cjsfz sf]ifdf
!,!$,*#,@#^
!,$%,$),&&&
l:y/ ;DklQdf
!,$@,^),$%#
!,&!,!!,##(
hDdf
@,%&,$#,^*( #,!^,%@,!!^
:yug s/ bfloTj
cGo c:yfoL km/sx?
*,)@,^*^
#$,%(,)$@
v'b :yug s/ ;DklQ
@,$(,$!,))#
@,*!,(#,)&$
cGo :jtGq sf]ifdf ;f/]sf]
-@,$(,$!,))#_
clGtd df}Hbft

@,*!,(#,)&$
o; cfly{s jif{df :yug s/ ;DklQaf6 lkmtf{ /sd ?=#@,%@,)&! /x]sf] 5, pQm /sd g]kfn n]vfdfgsf] l;4fGt cg';f/ gfkmf
gf]S;fg lx;fadf b]vfOPsf] 5, ;fy} pQm /sd a/fa/sf] :yugs/ sf]if hu]8f gfkmf gf]S;fg afF8kmfF8 lx;fadf ;fl/Psf] 5 . tt
kZrft l;h{gf ePsf] ;Dk"0f{ /sd cGo :jtGq sf]ifdf ;fl/Psf] 5 .
v= s/ vr{ tyf n]vf cg';f/sf] gfkmf jLrsf] ;DjGwsf] ljj/0f
@^= ;DalGwt JolQmx? (Related Parties Disclosures)

ljj/0f
o; jif{
?= df
ut jif{
n]vf cg';f/sf] gfkmf

(&,)^,(),$^$ !,!*,(*,!*,^&$
#) sf] b/n] nfUg] cfos/
@(,!@,)&,!#( #%,^(,$%,^)@
s/of]Uo d'gfkmf lgwf{/0f ug]{ k|of]hgsf nflu 36fpg jf hf]8g\ gldNg] vr{ / cfosf] ljj/0f
ljut jif{sf] vr{
$,(#,^((
b08 tyf hl/jfgf

!&,*!(
rGbf
(,(^,@&( !@,@!,)(&
;DklQ ckn]vg
&,@&,^!&
$,((&
nfef+z cfo
-#),%!,#&!_
-!#,@^,^#!_
sd{rf/L ;ro+sf]ifsf] lx;fj ldnfg

!#,^^,(!*
hDdf s/ vr{
@(,)#,&#,#^# #%,*@,@(,*)@
s= pRr Joj:yfkgsf kbflwsf/Lx?
;~rfns ;ldltsf ;b:ox? tyf a}+s Joj:yfkg ;ldltsf ;b:ox?nfO{ Joj:yfkgsf k|d'v JolQmx?sf] ?kdf lnOPsf] 5 .
jf;nftsf] lbg ;Ddsf] ;~rfns ;ldltsf] ;b:ox? tyf k|d'v sfo{sf/L clws[tsf] ljj/0f o; k|sf/ /x]sf] 5 .
!_ >L hubLz k|;fb cu|jfn
@_ >L lqnf]s rGb cu|jfn
#_ >L t'n;L /fd cu|jfn
$_ >L lj/]Gb|s'df/ ;+3O{
%_ >L /fd rGb| ;+3O{
^_ >L /fh]Gb| cof{n
&_ >L ljgf]b s'df/ Kofs'/]n
*_ >L u0f]z dfg >]i7
(_ >L nId0f l/;fn
cWoIf
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
;~rfns
Jofj;flos ;~rfns
v= pRr Joj:yfkgnfO{ pknAw u/fOPsf] ;'ljwf tyf e'QmfgL ul/Psf] /sdsf] ljj/0f
I. ;~rfns ;ldltsf] kbflwsf/Lx?nfO{ ul/Psf] e'QmfgLsf] ljj/0f

ljj/0f
a}7s eQf
cGo eQf
*dfly
?= df
o; jif{
ut jif{
@%,^$,)))
!@,@#,@))
!&,&#,)))
!@,%$,)))
pNn]lvt a}7s eQfdf ? !!,^(,))) cGo ;ldltsf ;b:ox?nfO{ e'QmfgL ul/Psf] a}7ssf] eQf ;dfj]z 5 .
;~rfns ;ldltsf cWoIf tyf cGo ;b:ox?nfO{ e'QmfgL ul/Psf] dfl;s eQf /sd ?= !#,)))df Kflqsf eQf tyf 6]lnkmf]gdf]afOn eQf eQf ;dfj]z
ul/Psf] 5 .
76
II. Joj:yfkg ;ldltsf] ;b:ox?nfO{ ul/Psf] e'QmfgLsf] ljj/0f

?=xhf/df
ljj/0f

tnj tyf eQf *

bz}+ eQf
Jflif{s labf eQf jfktsf] e'QmfgL
sd{rf/L af]g;
sfo{;Dkfbg k|f]T;fxg eQf
k|d"v sfo{sf/L clws[tnfO{ Joj:yfkgsf cGo ;b:ox?nfO{

ul/Psf] e'QmfgL
ul/Psf] e'QmfgL
s}lkmot
(,*!@ @$,^&*
&(!
!,(#)
^!%
!,%**
$,$%^
*,^*)

*k|d'v sfo{sf/L clws[tnfO{ e'QmfgL ul/Psf] tnj tyf eQf cGt{ut sf=d'= k|d'v sfo{sf/L clws[tnfO{ e'QmfgL ul/Psf] /sd
?=%,^%,$$& ;dfj]z ul/Psf] 5 .
dfly ljj/0fdf pknAw u/fOPsf] ;'ljwfsf] cltl/Qm Joj:yfkg ;ldtsf] ;b:ox?nfO{ sd{rf/L lalgodfjnL cg';f/ kfpg] cGo
;'ljwfx? k|bfg ul/Psf] 5 .
III. a}+ssf] pRr Joj:yfkg ;Fusf] sf/f]af/sf] ljj/0f

o; cfly{s jif{df a}+s / pRr Joj:yfkg;Fu ePsf] sf/f]af/sf] ljj/0f tyf o; cfly{s jif{sf] cGtdf e'QmfgL ug{ afFsL /x]sf]
/sdsf] ljj/0f o; k|sf/ /x]sf] 5.
?=xhf/df
ljj/0f
o; jif{
ut jif{
shf{ tyf ;fk6Lsf] ljj/0f
;+:yfks, ;~rfns ;ldltsf ;b:ox? tyf cfwf/e"t z]o/wgLx?nfO{ k|jfx ePsf] shf{*
!,*%,$*! !,$^,$^@
;+:yfks, ;~rfns ;ldltsf ;b:ox? tyf jxf+x? ;+nUg /x]sf sDkgLdf k|jfx ePsf] shf{ ** !,%%,&@% #,)(,^#&
gf]6 M
*g]kfn /fi6 a}+sf/f hf/L lgodsf] clwgdf /xL d"2tL /l;bsf] ;'/If0fdf k|jfx ul/Psf] shf{
** ;flassf] a}+s ckm Plzof g]kfn ln= sf ;+:yfks tyf ;~rfns ;+nUg ePsf sDkgLx?nfO{ dh{/ x"g"eGbf cufl8 lbOPsf] shf{ . g]kfn /fi6 a}+sf/f
hf/L dh{/ ljlgodfjnLdf pNn]v ePadf]lhd dfly k|:t't ul/Psf shf{ tyf ;fk6Lx? dh{/sf] ldltaf6 # jif{ jf r"Qmf cjlw dWo]sf] sd cjlw;Dddf
r"Qmf ul/;Sg'kg]{5 .
@&= ;Defljt bfloTjx?

s= cfos/ ;DaGwL
a}+sn] cf=j= @)^)^! b]lv @)^&^* ;Dd :jo+ s/ lgwf{/0f k|lqmof cGtu{t a'emfPsf] bflvn u/]sf] s/sf] 7"nf s/bftf
sfof{noaf6 clGtd s/ lgwf{/0f cfb]z k|fKt u/L ;s]sf] 5 . plNnlvt cf=j= sf] clGtd s/ lgwf{/0f kZrft a}+snfO{ Jofh tyf
hl/jfgf ;lxt yk cfos/ bfloTj ?=!#,@#,&&,!)$ a9]sf] 5 . pQm pk/ a}+snfO{ lrQ ga'emL ;DalGwt lgsfodf d'2f bfo/ u/]sf]
5 / pQm d'2fx? ljrf/fwLg /x]s f5g\ . pQm ljrf/fwLg /sdx?nfO{ ;Defljt bfloTjdf b]vfOPsf] 5 . pQm clGtd s/ lgwf{/0f
cfb]zaf6 k|fKt s'n ;Defljt bfloTj jfktsf] /sd ljlQo ljj/0fsf] cg';"rL !& cGtu{t b]vfOPsf] 5 .
v= eG;f/ s/
cfly{s jif{ @)^^^& df a}+sn] ;'gsf] l;Ssf -Gold Medalian_ cfoft ubf{ eG;f/ sfof{noaf6 5'} Harmonic Code df jlu{s/0f
u/L a9L eG;f/ s/ /sd ?=!(,&^,*&! dfu ul/Psf] / pQm s/ /sd pk/ lrQ ga'L ;DalGwt lgsfodf d'2f bfo/ ul/Psf] 5.
pQm d'2f ;jf]{Rr cfbntdf ljrf/fwLg cj:yfdf /x]sf] 5 .
@*= cfh{g k|lt z]o/
g]kfn n]vfdfg l;4fGt (NAS26) df Joj:yf ePadf]lhd s/ kl5sf] v'b gfkmfnfO{ ;fwf/0f z]o/sf] efl/t cf};t ;+Vofn] efu
u/L cfh{g k|lt z]o/ lgwf{/0f ul/Psf] 5 . cfh{g k|lt z]o/ tn pNn]v ePadf]lhd lgwf{/0f ul/Psf] 5 .
ljj/0f
;fwf/0f z]o/sf] efl/t cf};t ;+Vof
o; jif{sf] v'b gfkmf -?= df_
cfwf/e"t cfh{g k|lt z]o/ -? df_
8fon"6]8 cfh{g k|lt z]o/ -?= df_
dfly pNn]v ul/Psf] k|ltz]o/ cfDbfgL cfwf/e"t / 8fon'6]8 b'j}df o; jif{ / ut jif{ s'g} leGgtf g/x]sf] .
o; jif{
ut jif{
@,^%,*@,*$*
@,#!,!%,%@)
^*,)#,!&,!)! *#,!%,**,*&@
@%=%(
#%=(*
@%=%(
#%=(*
77
@(= efl/t cf};t Jofh cGt/

ljj/0f
o; jif{
shf{ tyf nufgLdf cf};t k|ltkmn
*=#!
lgIf]k tyf ;fk6Ldf cf};t nfut
%=!@
v'b Jofh cGt/
#=@)
dfly pNn]v ul/Psf] ljj/0f shf{ tyf ;fk6L, nufgL, lgIf]k tyf C0fkq;fk6Lsf] cf}iftaf6 lgsflnPsf] xf] .
ut jif{
!)=$%
%=((
$=^^
#)= lgliqmo shf{

jf;nft ldltdf a}+ssf] lgliqmo shf{ @=)&% /x]sf] 5 . lgliqmo shf{ ?=*(,*$,#&,*^^ / lgliqmo shf{sf] shf{ gf]S;fgL Joj:yf
?=&!,*&,(^,$%& /x]sf] 5, h'g lgliqmo shf{sf] *)% tyf s'n shf{ gf]S;fgL Joj:yf s'n lgliqmo shf{sf] !#@ % xf] .
?= xhf/df
ljj/0f
o; jif{
ut jif{
km/s
/sd
c;n shf{
$,@$,#!,%*$ #,^$,#%,(&! %(,(%,^!#
!^
lgliqmo shf{
k'g/;+/rgf ul/Psf]

sd;n
!,*!,%@@ !,*!,!^^ #%^ )
zf:kb
*&,))! @,#%,!^( -!,$*,!^*_ -^#_
v/fa
^,@(,(!^ $,%#,%&& !,&^,##( #(
s'n
$,##,#),)@@ #,&#,)%,**@ ^),@$,!$) !^
lgliqmo ;DklQ tyf shf{sf] cg'kft
s'n lgliqmo shf{ tyf s'n shf{
v'b lgliqmo shf{ tyf v'b shf{
@=)&%
)=$#%
31.jf;nft
ldlt kl5sf 36gfx?

jf;nft ldlt kZrft b]xfosf k|;+ux? afx]s ljQLo ljj/0fdf ;dfof]hg ug'{kg]{ jf k|:t't ug'{kg]{ u/L s'g}klg 36gfx? l;h{gf
ePsf 5}gg\ .
a) cfly{s
jif{sf] ;dflKt kl5 shf{ tyf ;fk6Ldf ul/Psf] Aofh k|flKtsf] n]vfg
g]kfn /fi6 a}+ssf] PsLs[t lgb]{lzsf )$)&) sf] bkmf % adf]lhd a}+s tyf ljQLo ;+:yfnfO{ cfly{s jif{sf] cGt;Dd kfs]sf]
t/ cfly{s jif{ ;dfKt ePsf] !% lbgleq To:tf] kfs]sf] Aofh gubdf k|fKt u/]df ;f] kfs]sf] AofhnfO{ cfo dfgL n]vfg ug{
;Sg] Joj:yf u/]sf] 5 . a}+sn] o; k|fjwfgnfO{ cEof; u/]sf] 5}g .
b) a}+s
tyf ljlQo ;+:yfnfO{ g]kfn /fi6 a}+ssf] kl/kq g+=#!)&!)&@ dfkm{t C0fL tyf a}+s tyf ljlQo ;+:yfx?sf] cj:yfnfO{
dWogh/ u/L @)&@ cfiff9 d;fGt ;Dd p7\g af+sL /x]sf] Aofh cfDbfgL @)&@ c;f]h d;fGt ;Dddf ;+sng ePdf To:tf]
Aofh cfDbfgLnfO{ o; cfly{s jif{df ;dfj]z ug{ kfOg]5 eGg] Joj:yf /x]sf]df a}+sn] To:tf] s'g} cfDbfgL o; cfly{s jif{df
;dfj]z u/]sf] 5}g .
u_ k|:tfljt nfef+z
;~rfns ;ldltn] ?= !,)(,!@,(%,*^% -#( k|lt z]o/ af]g; z]o/ / @=)% k|lt z]o/ gub nfef+z_ nfef+z cyf{t r'Qmf k"+hLsf]
$!=)% k|ltzt e'QmfgL lbg] k|:tfj u/]sf] 5 h'g g]kfn /fi6 a}+ssf] :jLs[tL tyf cfufdL jflif{s ;fwf/0f ;efaf6 kfl/t eP
kZrft ljt/0f ul/g] 5 .
#@= ut jif{x?sf] cx?sf] ;dfof]hg tyf glhssf] ?k+}ofFdf k|:t'lt
;a} cx?nfO{ glhssf] ?k}+ofFdf k|:t't ul/Psf] 5 .
78
;+: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/0f
cg';"rL #$

;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/
shf{ ljj/0f
qm= ;+:yfks ;+:yfks ;d'x
s'n lsQf
s'n r'Qmf shf{ lnPsf} cGo
shf{ /sd lwtf] /x]sf] s}lkmot
cGtu{t kg]{ z]o/wgLsf] gfd
;+Vof kF"hLsf] k|ltzt a}+s ljQLo z]o/ lsQf
;+= ;+:yfsf] gfd
;+Vof
1 hof >L uf]N5f
2 ;~ho uf]N5f
3 lbjfs/ uf]N5f
42,053 0.16
Pg=l;=l; a}+s
27,616 0.1
Pg=l;=l; a}+s 24,012
6,46,862 2.43
Pg=l;=l; a}+s 3,72,985

k|fOd sdl;{on a}+s
4 af;"b]j uf]Nofg
1,006.16 29,136
5,89,170 2.22
hgtf a}s
df5fk'R5\/] a}+s

lxdfnog a}+s
5,14,787 1.94
lxdfnog a}+s
5 cIfo uf]Nofg
6 hof uf]Nofg
76,923 0.29
lxdfnog a}+s
7 k|df]b s'df/ v]tfg
64,982 0.24
Unf]an cfOPdO{ a}+s
59,817 0.23
Unf]an cfOPdO{ a}+s
8 /d]z u'Ktf
9 ;ltz s'df/ df]/
1,11,714 0.42
l;l6hg a}+s
1,11,714 0.42
Pe/]i6 a}+s
10 ;'/]z s'df/ cu|jfn
227.27 1,74,582
0 23,910
500 1,14,782
0 3,66,343
0 3,51,641
109.6 76,923
0 56,428
36.21 59,817
87 29,143
475 97,143
79
ckl/:s[t rf}yf] q}dfl;s ljQLo ljj/0f

cfly{s jif{ @)&!&@ -rf}yf] q}df;_
cg';"rL #%
? xhf/df
ljj/0f
o; q}df;
#= gfkmf gf]S;fg lx;fa
o; q}df;
ut q}df;
ut jif{ o; q}df;
ut q}df;
ut jif{ o; q}df;
!= s'n kF"hL tyf bfloTj -!=! b]lv !=& ;Dd_

6,05,44,295
5,63,80,675
5,15,00,486
!=! r'Qmf kF"hL
26,58,285
26,58,285
26,58,285
!=@ hu]8f tyf sf]ifx?
29,07,222
27,89,506
22,14,747
!=# C0fkq tyf aG8
5,00,000
5,00,000
5,00,000
!=$ ;fk6L
- - !=% lgIf]k bfloTj
5,34,77,184
49,235,425
4,49,84,218
s= :jb]zL d'b|fdf
5,21,81,479
4,79,35,495
4,35,84,421
v= ljb]zL d'b|fdf
12,95,705
12,99,930
13,99,797
!=^ cfos/ bfloTj
10,532
-
!=& cGo bfloTj
9,91,073
11,97,460
11,43,235
@= s"n ;DklQ -@=! b]lv @=& ;Dd_
6,05,44,295
5,63,80,675
5,15,00,486
@=! gub tyf a}+s df}Hbft 66,72,514
46,33,398
71,83,391
@=@ dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
- - @=# nufgL
1,01,24,413
80,63,371
64,85,371
@=$ shf{ tyf ;fk6
4,21,66,475
4,17,63,516
3,63,25,070
s= l/on :6]6 shf{
26,90,052
30,98,694
29,62,691
1= xfplh 3/ shf{ -? ! s/f]8;Ddsf] JolQmut cfjf;Lo 3/ afx]s_
7,42,811
7,65,200
5,83,531
2= Joj;flos ejg tyf cfjf;Lo ckf6{dG] 6 lgdf{0f shf{
2,81,501
6,56,543
9,19,709
3= lgdf{0f ;DkGg eO{ cfh{g ug{ yfn]sf] Jofkfl/s sDKn]S; shf{
1,55,067
1,55,151
1,63,584
4= cGo l/on :6]6 shf{ -hUuf hldg vl/b tyf Knl6 shf{ ;d]t_
15,10,673
15,21,801
12,95,866
v= ?= ! s/f]8 ;Ddsf]] JolQmut cfjf;Lo 3/ shf{
67,54,037
64,02,402
52,69,603
u= dflh{g k|sl[ tsf] shf{
32,19,462
29,56,379
16,88,632
3= cfjlws shf{
33,17,873
30,16,774
27,21,926
= clwljsif{ l6= cf/= rfn' kFh
" L shf{
1,84,48,320
1,93,20,034
1,66,18,117
r= cGo shf{
77,36,731
69,69,232
70,64,102
@=% l:y/ ;DklQ
5,69,291
5,83,295
5,23,320
@=^ u}/ a}+ls ;DklQ
- - @=& cGo ;DklQ
10,11,602
13,37,095
9,83,334
#=! Jofh cfDbfgL
#=@ Jofh vr{
s= v'b Jofh cfDbfgL -#=!#=@_

#=# sldzg tyf l8:sfp06
#=$ cGo ;+rfng cfDbfgL

#=% ;6xL 36a9 cfDbfgL
v= s'n ;+rfng cfDbfgL -s #=# #=$ #=%_

#=^ sd{rf/L vr{
#=& cGo ;+rfng vr{
u= ;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf -v - #=^ #=&_
#=* ;Defljt gf]S;fgL Joj:yfx?
3= ;+rfng d'gfkmf -u #=*_
#=( u}/ ;+rfng cfDbfgL -gf]S;fg_
#=!) ;Defljt gf]S;fgL Joj:yf af6 lkmtf{
= lgoldt sf/f]jf/af6 d'gfkmf -# #=( #=!)_
#=!! c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf -vr{_
r= ;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf -= #=!!_
#=!@ sd{rf/L af]g; Joj:yf
#=!# cfos/ Joj:yf
5= v'b gfkmf-gf]S;fg_ -r -#=!@ #=!#_
$= cg'kft
$=! kF"hLsf]if hf]lvd efl/t /sd

$=@ lgliqmo shf{ s'n shf{
$=# s'n shf{ jfkt hf]lvd Joj:yf s'n lgliqmo shf{
$=$ sf]ifsf] efl/t cf}ift Jofhb/ (Cost of Fund)
$=% shf{ lgIf]k cg'kft (Credit to Deposit Ratio)
$=^ cfwf/ Aofhb/
$=& Aofhb/ cGt/ -g]=/f=a}ssf] lgb]{lzsf cg";f/_
cGo d'Vo ;'rfx?
!= Average Yield -shf{ tyf nufgL_
@= k|lt z]o/ cfDbfgL
#= z]o/ k"+hL tyf hu8f sf]ifdf k|ltkmn -ROE_
$= ;Dkltdf k|ltkmn -ROA_
39,17,792
23,40,288
15,77,504
1,31,624
2,66,713
1,26,403
21,02,243
4,21,778
4,49,456
12,31,010
3,37,908
8,93,102
13,413
1,83,073
10,89,588
3,039
10,92,627
99,330
3,00,823
6,92,474
o; q}df;
29,01,573
16,79,044
12,22,529
93,768
2,02,178
93,799
16,12,274
3,06,309
3,16,728
9,89,237
2,27,434
7,61,803
8,142
1,34,927
9,04,871
(1,679)
9,03,192
82,108
2,46,325
5,74,759
ut q}df;
13.16%
39,95,005
21,96,783
17,98,223
1,43,182
1,96,403
1,01,026
22,38,834
3,78,440
3,85,366
14,75,027
2,59,054
12,15,973
7,934
1,34,893
13,58,801
(50,000)
13,08,801
1,18,982
3,58,230
8,31,589
ut jif{ o; q}df;
13.27%
14.05%
1.99%
134.88%
5.12%
73.10%
7.96%
3.52%
2.14%
119.82 %
5.03%
78.61%
7.57%
3.58%
2.33%
112.75%
5.99%
75.43%
7.88%
4.06%
8.31%
26.05
13.27%
1.24%
8.36%
28.83
14.75%
1.40%
10.45%
35.98
15.93%
1.71%
80
n]vfk/LIf0f gePsf] / n]vfk/LIf0f ePsf]

cf=j= @)&!&@ sf] ljlQo ljj/0fsf] t'nfgfTds ljj/0f
cg';"rL #^
?=xhf/df
ljj/0f

n]vfkl/If)f
n]vfkl/If)f
km/s km/ssf] s/)f

gePsf]
ePsf] ljQLo
/sd
k|sflzt ljQLo
glthf
glthf
1= s'n kF"hL tyf bfloTj -!=! b]lv !=& ;Dd_

6,05,44,295
6,05,19,399 (24,896)
(0.04)
1=1 r'Qmf k+'hL
26,58,285
36,95,016 10,36,731
39.00 af]g; z]o/ hf/L u/]sf] sf/0fn]
1=2 hu]8f tyf sf]ifx?
29,07,222
18,03,768 (11,03,453)
(37.96) gfkmfdf ePsf] kl/jt{g tyf af]g;
z]o/ hf/L u/]sf] sf/0fn]
1=3 C0fkq tyf aG8
5,00,000
5,00,000
-

1=4 ;fk6L
-
-
-

1=5 lgIf]k bfloTj
5,34,77,184
5,34,77,184
-

s= :jb]zL d'b|fdf
5,21,81,479
5,21,81,479
-
-
v= ljb]zL d'b|fdf
12,95,705
12,95,705
-

1=6 cfos/ bfloTj
10,532
82 (10,450)
(99.22) gfkmfdf kl/jt{g ePsf] sf/0fn]
1=7 cGo bfloTj
9,91,073
10,43,348
52,276
5.27 gfkmfdf kl/jt{g ePsf] sf/0fn]
2= s"n ;DklQ -@=! b]lv @=& ;Dd_
6,05,44,295
6,05,19,399
(24,895)
(0.04)
2=1 gub tyf a}+s df}Hbft
66,72,514
66,72,514
-

-
-
-

2=2 dfu tyf cNk ;'rgfdf k|fKt x'g] /sd
2=3 nufgL
1,01,24,413
1,01,24,081
(332)
(0.00) shf{ gf]S;fgL Joj:yfdf ePsf]

kl/jt{gsf] sf/0fn]
2=4 shf{ tyf ;fk6
4,21,66,475
4,21,44,337
(22,138)
(0.05) shf{ gf]S;fgL Joj:yfdf ePsf]]

kl/jt{gsf] sf/0fn]
s= l/on :6]6 shf{
26,90,052
26,90,151
98
0.00 shf{ gf]S;fgL Joj:yfdf ePsf]]

kl/jt{gsf] sf/0fn]
1= xfplh 3/ shf{ -? ! s/f]8 ;Ddsf] JolQmut cfjf;Lo 3/ afx]s_
7,42,811
7,42,910
98
0.01 shf{ gf]S;fgL Joj:yfdf ePsf]

kl/jt{gsf] sf/0fn]
2= Joj;flos ejg tyf cfjf;Lo ckf6{d]G6 lgdf{0f shf{
2,81,501
2,81,501
-

3= lgdf{0f ;DkGg eO{ cfh{g ug{ yfn]sf] Jofkfl/s sDKn]S; shf{
1,55,067
1,55,067
-
-
4= cGo l/on :6]6 shf{ -hUuf hldg vl/b tyf Knl6 shf{ ;d]t_
15,10,673
15,10,673
-

v= ?= ! s/f]8 ;Ddsf] JolQmut cfjf;Lo 3/ shf{
67,54,037
67,54,037
-
-
u= dflh{g k|s[ltsf] shf{
32,19,462
32,19,462
-

3= cfjlws shf{
33,17,873
33,17,873
-
-
= clwljsif{ l6= cf/= rfn kF"hL shf{
1,84,48,320
1,83,69,499
(78,821)

kl/jt{gsf] sf/0fn]
r= cGo shf{
77,36,731
77,36,337
(394)

kl/jt{gsf] sf/0fn]
2=5 l:y/ ;DklQ
5,69,291
5,66,866
(2,425)
(0.43) ejg lgdf{0fsf] vr{
ckn]vg ul/Psf] sf/0fn]
2=6 u}/ a}+ls ;DklQ
-
-
-
-
2=7 cGo ;DklQ
10,11,602
10,11,602
0
0.00
gfkmf gf]S;fg lx;fa
3=1 Jofh cfDbfgL
39,17,792
39,17,759
(32)
(0.00)
3=2 Jofh vr{
23,40,288
23,40,288
-
-
s= v'b Jofh cfDbfgL -3=13=2_ 15,77,504
15,77,472
(32)
(0.00)
3=3 sldzg tyf l8:sfp06
1,31,624
1,31,624
-
-
3=4 cGo ;+rfng cfDbfgL
2,66,713
2,66,713
-
-
3=5 ;6xL 36a9 cfDbfgL
1,26,403
1,26,403
-
-
v= s'n ;+rfng cfDbfgL -s3=33=43=5_ 21,02,243
21,02,211
(32)
(0.00)
3=6 sd{rf/L vr{
4,21,778
4,21,778
-

3=7 cGo ;+rfng vr{
4,49,456
4,51,821
2,365
0.53 ejg lgdf{0fsf] vr{ ckn]vg

ul/Psf] sf/0fn]
u= ;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf -v3=63=7_
12,31,010
12,28,613
(2,397)
(0.19)
3=8 ;Defljt gf]S;fgL Joj:yfx?
3,37,908
3,60,379
22,471
6.65 shf{ gf]S;fgL Joj:yfdf ePsf]

kl/jt{gsf] sf/0fn]
3= ;+rfng d'gfkmf -u3=8_
8,93,102
8,68,234 (24,868)
(2.78)
3=9 u}/ ;+rfng cfDbfgL -gf]S;fg_
13,413
13,413
-
-
3=10 ;Defljt gf]S;fgL Joj:yf af6 lkmtf{
1,83,073
1,83,073
-

= lgoldt sf/f]jf/af6 d'gfkmf -33=93=10_ 10,89,588
10,64,721 (24,868)
(2.28)
3=11 c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf -vr{_
3,039
3,039
-
-
r= ;Dk'0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf -= 3=11_ 10,92,627
10,67,760 (24,868)
(2.28)
3=12 sd{rf/L af]g; Joj:yf
99,330
97,069
(2,261)

kl/jt{gsf] sf/0fn]
3=13 cfos/ Joj:yf
3,00,823
2,90,373 (10,450)
5= v'b gfkmf-gf]S;fg_ -r 3=12 3=13_
6,92,474
6,80,317
(12,157)
(1.76) kl/jt{gsf] sf/0fn]
81
DISCLOSURE AS PER BASEL II

As of Ashad End 2072 (16July, 2015)
1. Capital structure and Capital Adequacy

Tier 1 capital and a breakdown of its components
Particulars
NPR in 000'
Paid Up Capital
Proposed Bonus Shares
Statutory General Reserves
Capital Reserve
Bond Redemption Reserve
Retained Earnings
Other Free Reserve
Less:
Miscellaneous expenditure not written off
Land & building in excess of limit and unutilized
Loans and facilities extended to related parties
Core Capital
2,658,285
1,036,731
1,050,106
548,092
71,429
41,042
24,941
2,676
162,866
1,55,725
5,109,359
Tier 2 capital and a breakdown of its components;

Particulars NPR in 000'
General Loan Loss Provision
381,743
Exchange Equalization Reserves
33,314
Subordinated Term Debt
500,000
Investment Adjustment Reserve
34,845
Supplementary Capital
949,902
Detailed information about the Subordinated Term Debts with information on the outstanding amount,
maturity, and amount rose during the year and amount eligible to be reckoned as capital funds.
The Bank has issued 7.25% NIC ASIA Bond 2077" for NPR 500 million on 15th May 2014.
- Outstanding Amount
- Maturity Period:
- Interest Rate:
- Interest Payment frequency:
- Amount eligible to be reckoned as capital fund:

-

-

-
NPR 500 million

7 years
7.25% per annum
Half Yearly
NPR 500 million
Deductions from capital;

The fictitious assets (deferred revenue expenditure) amounting to NPR 2,675,619 has been deducted
from the core capital
Land & buildingamounting NPR 162,865,672 has been deducted from the core capital as per NRB
directive no.8/071.
Loan provided to related party amounting NPR. 155,724,745 has been deducted from the core capital
82
Total qualifying capital

Particulars
Core Capital
Supplementary Capital
Total Qualifying Capital (Total Capital Fund)
NPR in 000'
5,109,359
949,902
6,059,261
Capital Adequacy Ratio

- 12.49%
Summary of Banks Internal Approach to assess Capital Adequacy
Bank management is responsible for understanding and assessing the nature as well as level of risk taken
by the Bank and relating the risk to the capital adequacy level.
The credit risk unit reviews the credit risk, analyzes the trend, and assesses the exposure impact on capital,
which is vital in credit decision-making. Also for managing credit risk, credit policy, credit policy manual and
product papers have been developed for building risk awareness culture throughout the organization.
In respect of operational risk, operations In-charges and operation managers of respective branches and
departments provide operational loss data to operation manager, corporate via regular reporting requirements stipulated by operational risk management policy. These data are further analyzed, reported and
appropriate action taken as per requirement.
With regard to market risk, treasury maintains net open position of all currency on daily basis. Head treasury
reviews/ analyzes the trend and assesses the exposure impact on capital. The net open position report is
presented at the Assets Liability Committee (ALCO) for discussion and future strategy setting.
In compliance with Nepal Rastra Bank's directives and guidelines, the Bank has formed a Risk Management
Committee (RMC) in order to monitor and mitigate various risks of the Bank i.e. Credit, Operations, Market
and Liquidity. In order to strengthen compliance in accordance to directives/instructions issued by NRB and
to identify, measure, monitor, and control all major risk of the bank adequately, this committee has been
formed in line with adaptation framework of risk management.
RMC, on a periodically basis, discusses and reviews major errors/lapses (based on output checking report,
internal/external audit reports), operational losses/risk, reputational risk, frauds and forgeries of the Bank/
branches and ensures that timely corrective and preventive actions are taken to mitigate such risks in future.
83
2. Risk Exposure
Risk weighted exposures for Credit Risk, Market Risk and Operational Risk
NPR in thousand
Risk weighted Exposures

Current Year
a. Risk Weighted Exposure for Credit Risk
43,038,878
b. Risk Weighted Exposure for Operational Risk
2,557,224
c. Risk Weighted Exposure for Market Risk
153,742
d. Adjustment Under Pillar II
Add RWE equivalent to reciprocal of
923,182
capital charge of 4 % of gross income.
Overall risk management policies and procedures are
1,829,994
not satisfactory, add 4% of RWE
Total Risk Weighted Exposures (a + b + c +d)
48,503,019
Risk Weighted Exposures under each of 11 Categories of Credit Risk
Particulars
Claims on Government and Central Bank
Claims on Other Official Entities
Claims on Banks
Claims on Corporate and securities firms
Claims on regulatory retail Portfolio
Claims secured by Residential Properties
Claims secured by Commercial real estate
Past due Claims
High Risk Claims
Other Assets
Off Balance- Sheet Items
Total
Previous Year
37,356,027
1,969,798
136,451
511,247
789,246
40,762,768
NPR in thousand
Current Year
Previous Year
-
308,311
202,500
667,733
833,644
17,394,037
17,333,157
6,862,615
5,315,773
4,598,935
3,176,815
660,307
1,006,516
609,944
850,883
7,959,926
5,475,930
1,634,369
1,422,906
2,342,700
1,737,903
43,038,878 37,356,027
Non-Performing Assets
Particulars

Restructured / Reschedule Loans
Sub Standard Loans
Doubtful Loans
Loss
Total NPAs
Current Year
Previous Year
Gross NPAs
Net NPAs Gross NPAs
Net NPAs
-
-
-
181,522
136,141
181,166
135,874
87,001
43,500
235,169
117,584
629,916
0 453,577
898,438
179,641
869,911
253,459
Ratio of Non-Performing Asset

Particulars
Gross NPA to gross advances (%)
Net NPA to net advances (%)
Current Year Previous Year

2.07%
2.33%
0.43%
0.70%
84
Movement of Non-Performing Assets

NPR in thousand
Particulars
Opening NPA
Net Increase/(decrease) during the year
Closing NPA
Current Year
869,911
28,527
898,438
Previous Year
752,343
117,568
869,911
Current Year
1,679
875
Previous Year
50,000
15,145
Current Year
204,873
17,073
204,873
Previous Year
124,161
69,121
124,161
Write off Loan and Interest Suspense:

Particulars
Write off Loan
Write off Interest
Movements in LLP and Interest Suspense:
Particulars
Movement in Loan Loss Provisions
Movement in Interest Suspense
Additional LLP during the year
Segregation of Investment:
Particulars
Held for Trading
Held for Maturity
Available for Sale
Current Year
Previous Year
-
9,794,146
6,429,128
330,267 56,243
3. Risk Management Function

The Bank has been building robust risk management capabilities in order to achieve an effective risk management framework and contain the risks associated with the business, a fully functional Integrated Risk
Management department (IRMD), headed by Chief Risk Officer (CRO) directly reporting to the Board level
committee, Risk Management Committee, is responsible for identifying, reporting, controlling and managing
credit risk, operational risk, market risk and liquidity risk.
Credit Risk
Credit Risk management strategies include effectively managing the risk of financial loss arising out of
booking an exposure on counterparty and also ensuring independence of the credit risk function from the
origination, trading and sales function. Credit risk is managed through a defined framework which sets out
policies, procedures and standards covering the measurement and management of credit risk. There is a
clear segregation of duties between transaction originators in the businesses and the approvers in the risk
functions. All credit exposure limits are approved within a defined credit approval authority framework.
The Bank has a dedicated Loan Recovery Department for management of non-performing / problem assets
reporting directly to Chief Executive Officer of the Bank.
The Bank has extensive policy and guidelines to mitigate credit risks. The Banks credit policy has strengthened minimizing credit risk and provided support to make qualitative analysis based on sound credit principles and procedures. Bank has a policy to consider as security for pledge, hypothecated or mortgage which
85
have value considering physical control and legal title. Bank has considered eligible CRM as prescribed by
Capital Adequacy standard. Collateral taken as Deposit with own Bank, Deposit with other BFIs, National
Saving & Development Bonds, and Gold & Silver have been considered as CRM and adjusted on overall
risk weighted exposure on credit risk in line with the standard.
Operational Risk
Effective operational risk management systems aims to minimizing losses and customer dissatisfaction due
to failure in processes, focusing on flows in products and their design that can expose the Bank to losses
due to fraud, analyzing the impact of failures in technology / system, developing plans to meet external
shocks that can adversely impact continuity in the Banks operations. Bank has introduced a comprehensive operational risk monitoring and reporting framework as well as output checking at all branches covering all transactions on daily basis to minimize operational risk.
Market Risk
Bank has an Asset Liability Management Committee (ALCO) which meets periodically to discuss product
pricing for deposits and advances and maturity profiles of assets and liabilities, articulating interest rate,
view of bank, funding policy, transfer pricing policy and balance sheet management.
The internal audit department is an independent from the Bank's management; this unit focuses on development of internal procedures and check and control systems / procedures. The internal audit unit undertakes
a comprehensive audit of all business groups and other functions, in accordance with the approved audit
plan. In order to mitigate above risks, further this unit function is also independent with separate reporting
lines, with audit function reporting directly to the Board level audit committee. The internal audit has adopted
risk based audit approach.
The Bank has been working continuously towards risk diversification of its assets base so as to achieve
better portfolio mix and to protect/enhance the overall risk on its loan book. The strategic focus of mapping
business is gradually reducing high-risk assets and increasing low risk exposures.
86
cfly{s jif{ @)&!)&@ sf] a}+ssf jflif{s x/lx;fa :jLs[ltsf] qmddf g]kfn /fi6 a}+saf6 lbOPsf] lgb]{zg pk/
Joj:yfkgsf] hjfkmM
lgb]{zg g+= !M Joxf]/f cjuteof] . n]vfk/LIfsn] k|f/lDes k|ltj]bgdf cf}+NofPsf s}lkmotx? k|fyldstf k"j{s
;'wf/sf qmddf /x]sf] tyf o:tf s}lkmotx? bf]xf]/Lg glbg] Joj:yf ldnfpg a}+s sl6a4 /x]sf]
hfgsf/L u/fp+b5f}+ .
lgb]{zg g+= @M Joxf]/f cjuteof] . lgb]{zgsf] k"0f{ k/Lkfngf u/Lg] hfgsf/L u/fp+b5f}+ .
87
Pg cfO{ ;L Plzof a}+s ln

lj/f6gu/, g]kfn
k|j]z kq
! z]o/wgLsf] gfd M
@ 7]ufgf M
# z]o/wgL kl/ro g+ M
$ z]o/ k|df0f kq g+ M
% lnPsf] z]o/ ;+Vof M
>L Pg cfO{ ;L Plzof a}+s ln= sf] ldlt @)&@!)!) df x'g] jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z kq .
b|:6Ao M
;efsIfdf k|j]z ug{ of] k|j]zkq clgjfo{ ?kdf lnO{ cfpg' x'g cg'/f]w 5 .
cGoyf ;efsIfdf k|j]z ug{ kfO{g] 5}g .
lbg]z ef/L
sDkgL ;lrj
======================================================================================================================================================================

cg';"rL !
k|f]S;L kmf/fd
>L ;+rfns ;ldlt

Pg cfO{ ;L Plzof a}+s ln
lj/f6gu/, g]kfn
ljifo M k|ltlglw lgo'Qm u/]sf] jf/] .
dxfzo,
======================== lhNnf ====================== g=kf=p=g=kfuf=lj=;= j8f g+= ======================a:g] dxfdL =========================
============ n] To; sDkgLsf] z]o/wgLsf] x}l;otn] ;+jt\ @)&@ df3 !) ut] cfOtjf/sf lbg x'g] c7f/f}F jflif{s ;fwf/0f ;efdf
dxfdL :jo+ pkl:ylt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsfn] pQm ;efdf d]/f]xfd|f] tkm{af6 efu lng tyf
dtbfg ug{sf nflu ======================== lhNnf ====================== g=kf=p=g=kfuf=lj=;= j8f g+= ======================a:g] >L =========
======================= nfO{ d]/f]xfd|f] k|ltlglw lgo'Qm u/L k7fPsf] 5' k7fPsf 5f}+ .

k|f]S;L lng]n] eg]{
k|f]S;L lbg]n] eg]{
k|ltlglw lgo'Qm ePsf] JolQmsf]
lgj]bs M
x:tfIf/sf] gd'gf M b:tvt M
gfd M
z]o/ k|df0fkq gDa/ M
z]o/wgL kl/ro gDa/lxtu|fxL kl/ro g+=M
z]o/wgL kl/ro gDa/lxtu|fxL kl/ro g+=M
z]o/ ;+Vof M
z]o/ ;+Vof M
ldlt M
88
Pg cfO{ ;L Plzof a}+s ln= sf] k|aGwkqdf

k|:tfljt ;+zf]wgyksf] tLg dxn]]
xfnsf] Joj:yf
;+zf]lwtyk Joj:yf
;+zf]wg yksf] sf/0f
@=a}+ssf] /lhi68{-s]Gb|Lo_ sfof{no /xg]

7]ufgfM
-!_ o; a}+ssf] /lhi68{ -s]Gb|Lo_ sfof{no
df]/ lhNnfsf] la/f6gu/ pkdxfgu/kflnsfdf /xg] 5, h;nfO{ g]kfn /fi6 a}+ssf]
:jLs[lt lnO{ tyf sDkgL /lhi6f/sf]
sfof{nonfO{ k"j{ ;"rgf lbO{ cGo 7fpFdf
klg ;fg{ ;lsg]5 . /lhi68{ sfof{non] ug]{
sfd sfo{jfxL ug{sf nflu ;+rfns ;ldltn]
a}+ssf] skf]{/]6 clkm; jf cGo sfof{nonfO{
tf]Sg ;Sg]5 .
@=a}+ssf] /lhi68{-s]Gb|Lo_ sfof{no /xg] 7]ufgfM

sf7df8f}+ lhNnfsf] sf7df8f}+ dxfgu/kflnsf
j8f g+ !! yfkfynL l:yt 6]8 6fj/ g]kfndf
/xg] 5, h;nfO{ g]kfn /fi6 a}+ssf] :jLs[lt
lnO{ tyf sDkgL /lhi6f/sf] sfof{nonfO{ k"j{
;"rgf lbO{ cGo 7fpFdf klg ;fg{ ;lsg]5 .
/lhi68{ sfof{non] ug]{ sfd sfo{jfxL ug{sf
nflu ;+rfns ;ldltn] a}+ssf] skf]{/]6 clkm;
jf cGo sfof{nonfO{ tf]Sg ;Sg]5 .
ljBdfg a}l+ s If]qsf]

;Gt'lnt Jofkf/ lj:tf/,
If]qLo cGt/f{li6o ;DaGw
lj:tf/ tyf ;dGjofTds
sfo{ ;d]tsf] nflu a}s
+ sf]
/lhi68{ -s]Gb|Lo_ sfof{no
/fhwfgLdf /xg' pko'Qm x'g]
b]lvPsfn] .
$=a}+ssf] p2]Zo k|flKtsf nflu ul/g] sfdx?

M
gofF yk
$=a}+ssf] p2]Zo k|flKtsf nflu ul/g] sfdx? M

-s d_ a}+sn] cfjZostf cg';f/ ;xfos
sDkgLx? :yfkgf ul/ k|rlnt sfg"g adf]lhd
cfjZos :jLs[lt lnO{ ;DklQ Joj:yfkg
-P;]6 Dofg]hd]G6_, ljk|]if0f sf/f]af/,
OGe]i6d]06 a}ls / lwtf]kq Joj;foL
lwtf]kq bnfn ;DaGwL sfo{ ug]{ .
%= a}+ssf] k"FhLsf] ;+/rgf

%-!_ a}+ssf] clws[t k"FhL ?=
#,^),)),)),))) -?= tLg ca{ ;f7L
s/f]8 dfq_ x'g]5 . pQm k"FhLnfO{ ?= !))
b/sf tLg s/f]8 ;f7L nfv yfg ;fwf/0f
z]o/df ljefhg ul/Psf] 5 .
%= a}+ssf] k"FhLsf] ;+/rgf

%-!_ a}+ssf] clws[t k"FhL ?=
%,)),)),)),))) -?= kfFr ca{ dfq_
x'g]5 . pQm k"FhLnfO{ ?= !)) b/sf kfFr
s/f]8 yfg ;fwf/0f z]o/df ljefhg ul/Psf]
5.
%-@_ a}+ssf] tTsfn hf/L k"FhL ?=

@,^%,*@,*$,*)) -?= b'O{ ca{ k};L
s/f]8 aof;L nfv rf}/f;L xhf/ cf7 ;o
dfq_ x'g]5 . pQm k"FhLnfO{ ?= !)) b/sf
b'O{ s/f]8 k};L nfv aof;L xhf/ cf7 ;o
c8\rfnL; yfg ;fwf/0f z]o/df ljefhg
ul/Psf] 5 .
%-@_ a}+ssf] tTsfn hf/L k"FhL

$,^!,*&,^(,*$) -rf/ cj{ Ps;L s/f]8
;tf;L nfv pgG;Q/L xhf/ cf7;o rfnL;
?k}+of_ x'g]5 . pQm k"FhLnfO{ ?= !)) b/sf
rf/ s/f]8 Ps;L nfv ;tf;L xhf/ 5;o
cG7fgJj] yfg ;fwf/0f z]o/df ljefhg
ul/Psf] 5 .
a}+sn] af]g; z]o/ tyf

xsk|b z]o/ hf/L ug{
nfu]sf]df ;f]xL cg'?k hf/L
k"FhL a[l4 x'g] ePsf]n] .
%-#_ a}+ssf] tTsfn r'Qmf k"FhL ?=

@,^%,*@,*$,*)) -?= b'O{ ca{ k}+;L s/f]8
aof;L nfv rf}/f;L xhf/ cf7 ;o dfq_
x'g]5 . pQm k"FhLnfO{ ?= !)) b/sfb'O{
s/f]8 k};L nfv aof;L xhf/ cf7 ;o
c8\rfnL; yfg ;fwf/0f z]o/df ljefhg
ul/Psf] 5 .
%-#_ a}+ssf] tTsfn r'Qmf k"FhL ?=

$,^!,*&,^(,*$) -rf/ cj{ Ps;L s/f]8
;tf;L nfv pgG;Q/L xhf/ cf7;o rfnL;
?k}+of_ x'g]5 . pQm k"FhLnfO{ ?= !)) b/sf
rf/ s/f]8 Ps;L nfv ;tf;L xhf/ 5;o
cG7fgJj] yfg ;fwf/0f z]o/df ljefhg
ul/Psf] 5 .
a}+sn] af]g; z]o/ tyf

xsk|b z]o/ hf/L ug{
nfu]sf]df ;f]xL cg'?k
r'Qmf k"FhL a[l4 x'g] ePsf]n]
.
o'lge;{n a}+ls cjwf/0ff

cg'?k a}+sn] k|bfg ul//x]sf]
a}+ls ;]jf ;'ljwfnfO{ yk
j[xt Pj+ kl/is[t ug{kg]{
ePsf]n] .
g]kfn
/fi6
a}+ssf]
lgb]{zg tyf k|ltikwf{Tds
jftfj/0fdf ahf/ lj:tf/
ug{ a}+ssf] k"FhL j[l4 ug{
pko'Qm b]lvPsfn] .
89
xfnsf] Joj:yf
;+zf]lwtyk Joj:yf
&= z]o/ vl/b jf x:tfGt/0f ug{ aGb]h M

-_ ;fj{hlgs ?kdf ljqmL ul/g] z]o/ s'g}
Ps JolQmn] slDtdf !) -bz_ yfg / a9Ldf
a}+ssf] hf/L k"FhLsf] Ps k|ltzt ;Dd v/Lb
ug{ ;Sg]5 . To;/L z]o/ v/Lb u/]kl5 ljqmL,
c+za08f, ck'tfnL, bfdf;fxL jf cGo s'g}
sf/0faf6 klg gfd;f/L jf ljefhg ubf{ ;f]
Go"gtd jf clwstd ;+Vof eGbf sd jf a9L
sfod x'g] u/L gfd;f/L bflvn, vf/]h ul/g]
5}g .
&= z]o/ vl/b jf x:tfGt/0f ug{ aGb]h M

-_ ;fj{hlgs ?kdf ljqmL ul/g] z]o/ s'g}
Ps JolQmn] slDtdf !) -bz_ yfg / a9Ldf
a}+ssf] hf/L k"FhLsf] b'O{ k|ltzt;Dd v/Lb
ug{ ;Sg]5 . To;/L z]o/ v/Lb u/]kl5 ljqmL,
c+za08f, ck'tfnL, bfdf;fxL jf cGo s'g}
sf/0faf6 klg gfd;f/L jf ljefhg ubf{ ;f]
Go"gtd jf clwstd ;+Vof eGbf sd jf a9L
sfod x'g] u/L gfd;f/L bflvn, vf/]h ul/g]
5}g .
t/, s'g} JolQm jf ;+:yfn] a}+ssf] hf/L

k"FhLsf] Ps k|ltzt jf ;f] eGbf a9L z]o/
v/Lb ug{ rfx]sf v08df ;+rfns ;ldltsf]
k"j{ :jLs[lt lnO{ /fi6 a}+ssf] gLlt lgb]{zgsf]
cwLgdf /xL v/Lb ug{ ;Sg]5g\ . xsk|b
z]o/ / jf]g; z]o/sf] xsdf eg] of] k|ltaGw
nfu" x'g] 5}g .
t/, s'g} JolQm jf ;+:yfn] a}+ssf] hf/L k"FhLsf]

b'O{ k|ltzt jf ;f] eGbf a9L z]o/ v/Lb ug{
rfx]sf] v08df ;+rfns ;ldltsf] k"j{ :jLs[lt
lnO{ /fi6 a}+ssf] gLlt lgb]{zgsf] cwLgdf /xL
v/Lb ug{ ;Sg]5g\ . xsk|b z]o/ / jf]g;
z]o/sf] xsdf eg] of] k|ltaGw nfu" x'g] 5}g .
;+zf]wg yksf] sf/0f
z]o/ vl/b jf x:tfGt/0f

;DjGwL Joj:yfnfO{ ;do
;fk]If kl/dfh{g ul/Psf] .
Pg cfO{ ;L Plzof a}+s ln= sf] lgodfjnLdf

k|:tfljt ;+zf]wgsf] tLg dxn]
xfnsf] Joj:yf
@=a}+ssf] /lhi68{ sfof{no /xg] 7]ufgfM
-!_ o; a}+ssf] /lhi68 -s]Gb|Lo_ sfof{no
df]/ lhNnfsf] la/f6gu/ pkdxfgu/kflnsfdf /xg] 5, h;nfO{ g]kfn /fi6 a}+ssf]
:jLs[lt lnO{ tyf sDkgL /lhi6f/sf]
sfof{nonfO{ k"j{ ;"rgf lbO{ cGo 7fpFdf klg
;fg{ ;lsg]5 . /lhi68{ sfof{non] ug]{ sfd
sfo{jfxL ug{sf nflu ;+rfns ;ldltn] a}+ssf]
skf]{/]6 clkm; jf cGo sfof{nonfO{ tf]Sg
;Sg]5 .
;+zf]lwt Joj:yf
@=a}+ssf] /lhi68{-s]Gb|Lo_sfof{no /xg] 7]ufgfM
sf7df08f}+ lhNnfsf] sf7df08f}+ dxfgu/kflnsf
j8f g+ !! yfkfynL l:yt 6]8 6fj/ g]kfndf
/xg] 5, h;nfO{ g]kfn /fi6 a}+ssf] :jLs[lt
lnO{ tyf sDkgL /lhi6f/sf] sfof{nonfO{ k"j{
;"rgf lbO{ cGo 7fpFdf klg ;fg{ ;lsg]5 .
/lhi68{ sfof{non] ug]{ sfd sfo{jfxL ug{sf
nflu ;+rfns ;ldltn] a}+ssf] skf]{/]6 clkm;
jf cGo sfof{nonfO{ tf]Sg ;Sg]5 .
*= ;+rfnssf] lgo'lQm, ;+Vof / sfo{sfnM

-#_ o; lgodfjnL adf]lhd dgf]gLt jf
lgjf{lrt ;+rfnsx?sf] sfo{sfn j9Ldf rf/
jif{sf] x'g]5 . kbfjlw ;dfKt eO{ ;+rfnssf]
kbaf6 cjsfz k|fKt ug]{ JolQm ;+rfnssf]
kbdf k'gM lgo'Qm x'g ;Sg]5 .
*= ;+rfnssf] lgo'lQm, ;+Vof / sfo{sfnM

-#_ a}+s tyf ljQLo ;+:yf ;DaGwL P]g tyf
g]kfn /fi6 a}+sn] ;do ;dodf hf/L ug]{
lgb]{zg cg'?k a}+ssf] cWoIf tyf ;+rfnssf]
kbfjlw sfod ul/g] 5 .
@)s= sfo{sf/L k|d'vsf] lgo'lQm / ;]jfsf

zt{M
-@_ sfo{sf/L k|d'vsf] lgo'lQm ubf{ s'g} ljifodf sDtLdf :gftsf]Q/ pkfwL xfl;n u/L
a}+ls, ljlQo jf ;+ul7t If]qsf] sfo{sf/L tx
jf ;+rfns kbdf sDtLdf % jif{sf] cg'ej
ePsf] JolQm dWo]af6 of]Uo JolQmnfO{ lgo'QmL
ug'{ kg]{ 5 .
-%_ sfo{sf/L k|d'vsf] kbfjlw rf/ aif{sf]
x'g]5 / lghsf] k'glg{o'lQm x'g ;Sg]5 .
@)s= sfo{sf/L k|d'vsf] lgo'lQm / ;]jfsf zt{M

-@_ sfo{sf/L k|d'vsf] lgo'lQm ubf{ a}+s tyf
ljQLo ;+:yf ;DaGwL P]g tyf g]kfn /fi6
a}+sn] ;do ;dodf hf/L ug]{ lgb]{zg cg'?k
lgo'lQm ul/g] 5 .
-%_a}+s tyf ljQLo ;+:yf ;DaGwL P]g tyf
g]kfn /fi6 a}+sn] ;do ;dodf hf/L ug]{
lgb]{zg cg'?k sfo{sf/L k|d'vsf] kbfjlw sfod
ul/g]5 .
;+zf]wgsf] sf/0f
ljBdfg a}+ls If]qsf]
;Gt'lnt Jofkf/ lj:tf/,
If]lqo cGt/f{li6o ;DaGw
lj:tf/ tyf ;dGjofTds
sfo{ ;d]tsf] nflu a}+ssf]
/lhi68{ -s]Gb|Lo_ sfof{no
/fhwfgLdf /xg' pko'Qm
x'g] b]lvPsfn] .
g]kfn /fi6 a}+saf6 hf/L

Plss[t lgb]{zg@)&@ sf]
O=k|f=lgb]{zg g+= ^)&@
cg'?k Aoa:yf sfod ug'{
kg]{ ePsfn] .
g]kfn /fi6 a}+saf6 hf/L

Plss[t lgb]{zg@)&@ sf]
O=k|f= lgb]{zg g+= ^)&@
cg'?k Aoa:yf sfod ug'{
kg]{ ePsfn].
90
gf]6
91
/lhi68{ clkm;
d}g /f]8, lj/f6gu/
kmf]g g+M (&&@!%@!(@!, k\mofS;\M (&&@!%@@&$*
skf]{/]6 clkm;
6]8 6fj/ g]kfn, yfkfynL, sf7df8f}+
kmf]g g+M (&&!%!!!!&&&*&(, k\mofS;\M (&&!%!!!!*)
pkTosf leqsf zfvfx?

zfvfx?
kmf]g g+=
pkTosf aflx/sf zfvfx?

zfvfx?
kmf]g g+=
skg
01-4810917/4810487/
9841419620
c3f{vfrL
077-420803/4
O6x/L
025-586980/81/82
sdnfbL
01-4262277
O{nfd
027-521702/05
sn+sL
01-4281561/4281562/4281564
sn}of
053-551937/551938
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01-4330237/4331164
sf]xnk'/
081-540858/540869
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01-6634773
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035-420934/35
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01-5574531/5574532/5574572
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055-521417/18
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01-4378107/4379248/9841439405
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023-456215/456216
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01-5202579/5202607/5202608
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041-527056
hfjnfv]n
01-5555548/5555042/5555064
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082-523086/523087/
9857061400
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01-4104551/2/3
bds
023-585166
7d]n
01-4423241/3
bdf}nL
065-562457/562458
l8NnLahf/
01-4435798/4434366/4434365
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091-527061/62
yfgsf]6
01-4312204
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091-525562/63
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01-5111177/5111178/5111179
gofF afg]Zj/
01-4784563/4784564
Go" /f]8,
lvrfkf]v/L
01-4223269/4223169/
4231343/4222411
w/fg, la= kL= s]= cfO= Pr= P;= 025-533333

w/fg, dx]Gb| k7
025-526520/532305
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92
Bank of the Year 2007 - Nepal

by The Banker, Financial Times, UK
Bank of the Year 2013 - Nepal

by The Banker, Financial Times Group, London

18th Annual Report - NICA

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