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sf] gfkmf gf]S;fg lx;fj tyf gub k|jfx ljj/0f / ;DalGwt cg';"rLx? 5nkmn u/L l:js[t ug]{ .
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a}+ssf] P3f/f}+ jflif{s ;fwf/0f;efdf oxfx?nfO{ :jfut ug{ kfpbf dnfO{ v'zL nfu]sf] 5 .
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ljQLo ;+:yfx? ;d:ofu|:t 3f]lift ePsf sf/0f hgdfg;df o; If]qk|ltsf] ljZjf;df x|f; cfPsf] / /fhg}lts cl:y/tf sfod} /x]sf]
oxfx? ;j}nfO{ cjut g} 5 . o;sf] afjh'b o; a}+ssf] lgIf]k df}Hbft, shf{sf] u'0f:t/, cfDbfgL / gfkmfdf ;Gtf]ifhgs j[l4 ePsf] 5 .
a}+sn] xfn #) j6f zfvf / ## ATM 4f/f ;]jf k|bfg ub]{ cfPsf], Visa Debit/Credit Card, e-Banking, Mobile Banking,
Mobile wallet cflb h:tf ljljw gof of]hgfx?sf] dfWodaf6 cfkm\gf u|fxsx?nfO{ yk ;]jf lb+b} cfPsf], dr]{G6 a}+ls sf/f]jf/ ug{
nIdL Soflk6n dfs]{6 lnld6]8 gfds ;xfos sDkgL :yfkgf u/L nlntk'/sf] k'Nrf]saf6 ldlt @)^&!))@ af6 sf/f]jf/ z'?
ul/;s]sf] / n3'ljQ sfo{qmdnfO{ Jofks agfO{ cuf8L a9\g nIdL dfOqmf] kmfOgfG; 8]enKd]6 a}+s gfds ;xfos sDkgL :yfkgf u/L
o; rfn' cf=j= df ;~rfng cg'dlt lnP/ sf/f]jf/ z'? ug]{ tkm{ clGtd t}of/L eO/x]sf] ;xif{ hfgsf/L u/fpb5f}+ . oL k"jf{wf/x?nfO{
cem ;'b[9 / ;;Qm agfO{ cfufdL jif{x?df a}+ssf] sf/f]jf/ qmlds ?kn] j[l4 ub}{ n}hfg] xfd|f] nIo 5 .
a}sn] gof zfvfx? vf]Ng], ATM ;]jf, dr]{G6 a}+ls, n3'ljQ ;]jfx? lj:tf/ ug]{ / gof ;]jfx? lbg] sfo{nfO{ lg/Gt/tf lbg]5 . a}+sn]
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a}+sn] cfkm\gf z]o/wgLx?nfO{ cfiff9 d;fGtdf sfod /x]sf] k"hLdf !%=&( k|ltzt nfef+z -!)=&( k|ltzt gub nfef+z tyf %
k|ltzt af]g; z]o/_ lbg] k|:tfj u/]sf] 5 . a}+sn] hf]lvd Joj:yfkg k|0ffnLnfO{ ;'4[l9s/0f ub}{ bIf hgzQmLsf] klxrfg u/L cfufdL
lbgx?df z]o/wgLx?sf] nufgLdf kof{Kt k|ltn lbb} hfg] nIo /fv]sf] 5 .
xfdL z]o/wgL dxfg'efjx?af6 lg/Gt/ k|fKt u/]sf] ;xof]u / k|f]T;fxg, g]kfn /fi6 a}+s nufot cGo lgodgsf/L lgsfox?sf]
dfu{lgb]{zg / nIdL a}+s k|lt ljZjf; ug'{x'g] ;Dk"0f{ u|fxsx? k|lt xflb{s wGojfb 1fkg ub}{ oxfx?sf] ljZjf; / ;xof]unfO{ sfod
/fVg x/ ;Dej k|of; ug]{ ljZjf; lbnfpg rfxG5f}+ . a}+s Joj:yfkg Pj+ sd{rf/Lx?n] a}+ssf] lgwf{l/t nIo k|flKtsf nflu b]vfPsf]
k|ltj4tf / cys kl/>dsf] sb/ ub}{ o;nfO{ lg/Gt/tf lbg'x'g]5 eGg] ;d]t ljZjf; lnPsf 5f}+ .
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k|aGwkq tyf lgodfjnLdf cfjZos ;+zf]wg ;d]t eO{ ;s]sf] 5 .
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sf] GTFP g]6js{sf] dfWodaf6 cGt/fli6o k|d'v a}+sx?;u kx'r a9fpg, gof tyf r'gf}tLk"0f{ ahf/df hf]lvd Go"lgs/0f ug{df
;xfotf k|bfg ug{ tyf a}+ssf] Ifdtf j[l4df ;xof]u k'ofpg o; a}+s / cfO{Pkm;L aLr ;Demf}tf ePsf] 5 . o;} cGtu{t nIdL
a}+sn] cfO{P;Laf6 Ps C0f l;dfsf] l:js[tL kfPsf] 5 .
@= /fli6o tyf cGt/fli6o kl/l:yltaf6 a}+ssf] sf/f]jf/nfO{ s'g} c;/ kf/]sf] eP ;f] c;/M
cf=j= @)^&)^* df g]kfnsf] cfly{s If]qdf w]/}g} ptf/ r9fjx? cfPsf] x'bf a}+sx?n] ;f]r] cg'?k pknAwL xfl;n ug{ ;s]gg\ .
ljQLo If]qdf ;ldIff jif{{df t/ntfsf] cefj sfod /xL s]xL a}+s tyf ljQLo ;+:yfx? w/f;foL eP/ ljQLo If]qdf sl7gfO{ x'g', z]o/sf]
d"Nodf jif{{e/Lg} lu/fj6 cfpg', d'n'sdf /fhg}lts l:y/tf sfod x'g g;Sg', zflGt ;'/Iffsf] cefj, s[lif If]qsf] pTkfbgdf sdL cfpg',
bIf hgzQmLnfO{ of]Uotf cg';f/sf] /f]huf/Lsf] cj;/sf] cefj, a}+ls If]qdf a9\bf] k|lt:kwf{, nufgLsf] cj;/ c;xh x'g', / ljb]zL
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tyf cfoft Jofkf/ pNn]Vo ?kdf lj:tf/ x'g' cflb h:tf /fli6o / cGt/fli6o sf/0fx?n] a}+ssf] sf/f]jf/df s]xL xb;Dd c;/ kf/]sf]
ePtfklg a}+sn] cfkm\gf] sf/f]jf/nfO{ lg/Gt/tf lbO{ cfkm\gf] jf;nftsf] cfsf/ j[l4 ug{ ;kmn ePsf] 5 . d'n'sdf /fhg}lts l:y/tf,
zflGt / cf}Bf]lus ;'/Iff sfod ePdf cfufdL jif{x?df a}+sn] ;f]r] cg's'n ;kmntf xfl;n ug]{5 eGg] xfdLn] ljZjf; lnPsf 5f}+ .
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s a}+sn] cfkm\gf] zfvf ;~hfn / Pl6Pd nufotsf cfw'lgs a}+ls ;]jf tyf ;'ljwfx?sf] qmlds ?kdf lj:tf/ ug]{,
s ljk|]if0f ;]jfsf] kx'r d'n'ssf ;'b'/ Pj+ b'u{d 7fpx? ;Dd k'ofO{ k|efjsf/L ?kdf ;]jf k|bfg ug{ yk ljk|]if0f Ph]06 / sfp06/x?
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s df]jfOn e'QmfgL ;]jf nufotsf cfw'lgs a}+ls ;]jfx?sf] u'0f:t/ j[l4 u/L gof+ ;]jfx?sf] z'?jft ug]{ / ;~hfnsf] lj:tf/
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s nIdL Sofkl6n dfs]{6 lnld6]8 dfkm{t Do"lrcn km08 lgisfzg ug{ l8kf]lh6/Lsf] sfd ug]{ / o;sf nflu cfjZos yk k"hLsf]
Joj:yf ug]{,
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s CDS n] sfo{ z'? u/]kl5 ;f]xL adf]lhd z]o/ /lhi6]zgsf] sfo{ ug{] .
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;dfhsf ;j} txdf kf/bzL{ / ;f}xfb{k"0f{ /x]sf]n] o;nfO{ lg/Gt/tf lbOg] 5 .
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lg/Gt/tf lbOPsf] 5 . ;ldIff jif{{df ljleGg OsfO{ ;DaGwL @^ j6f cfGtl/s k|lzIf0f sfo{qmd ePsf]df hDdf @)% hgf sd{rf/Lx?n]
;f] tfnLd k|fKt u/]sf 5g\ eg] %* hgf sd{rf/Lx?n] afo tflnd k|fKt u/]sf 5g\ . afo tflnd cGtu{t ef/tsf] k|ltli7t ;+:yf
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k'/:sf/ / ;hfosf] Joj:yf, jflif{s sfo{ ;Dkfbg d"Nofg u/L ;f]xL jdf]lhd tnj j[l4 ul/g] kl/kf6LnfO{ lg/Gt/tf lbO{Psf] 5 .
o;sf cltl/Qm a}+s ;b}j of]Uo, bIf, nugzLn tyf OdfGbf/ sd{rf/Lx? lgo'QmL ug]{ / To:tf of]Uo sd{rf/LnfO{ a}+ssf] ;]jfdf sfod}
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sfo{qmddf BNMT ;u ;f]bf/L u/]sf] 5 .
nIdL a}+sn] a}+ssf] sd{rf/Lx?4f/f ;~rflnt nIdL lgZjfy{ kxn -Laxmi Cares_ gfds ;fdflhs ;+:yf dfkm{t ;dfhsf ljleGg
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lj:t[t ljj/0f www.laxmicares.com.np af6 k|fKt ug{ ;Sg'x'g]5 .
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s nufgLsf cj;/x? 36\b} hfg' tyf a9\bf] hf]lvdsf] cj:yf x'g' .
s ljZj cy{tGqsf] sf/0f ljb]zL ljlgdo b/df ptf/ r9fj x'g' .
s cl:y/ ;fdflhs / /fhg}lts sf/0f / nf]8 ;]l8sf] ;dodf j[l4 x'g' .
s a}+ls If]qdf t/ntfsf] cj:yf cl:y/ x'g' .
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s rfn' ;]jfx?sf] lj:tf/sf ;fy} gof+ ;]jfx?sf] z'?jft ug]{ .
s hf]lvd Joj:yfkgsf] ;'b[l9s/0fsf] ;fy} nufgL Joj:yfkg ug]{ .
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/ a}+sn] k|rlnt sfg"g tyf k"j{ lgwf{l/t hf]lvd dfkb08sf] clwgdf /xL ;j} lgodx?sf] k"0f{ ?kdf cg'kfng u/]sf] 5 .
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z]o/wgL dxfg'efjx?sf] nflu ;"rgf Joj:yfM
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a}+sn] xfn sfod hf/L tyf r'Qmf k"hLdf j[l4 ug]{ k|:tfj NofPsf] 5 . ;f]xL k|:tfj jdf]lhd k|jGwkqsf] bkmf % sf] v08 -v_ / v08
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a}+sn] sf/f]jf/ ;DaGwL ;"rgf cfbfg k|bfg ug]{ k|s[ofnfO{ pRr k|fyldstf lbPsf] 5 . o; ;Gbe{df a}+sn] jflif{s k|ltj]bg, q}dfl;s
k|ltj]bg nufot cGo a}+ssf] k|ult ljj/0fx? ljleGg ;dfrf/ dfWod Pj+ a}+ssf] j]e;fO6 www.laxmibank.com dfkm{t hfgsf/L
u/fpg] u/]sf] 5 . a}+sdf ;do ;dodf nufgLstf{ tyf JolQmut ?kdf info@laxmibank.com / cGo dfWodaf6 cfPsf ljleGg
lh1f;fx?sf] plrt lgisz{ lgsfNg] pko'Qm / dxTjk'0f{ ynf] jflif{s ;fwf/0f ;ef ePsf]n] ;j} z]o/wgL dxfg'efjx?nfO{ ;efdf
;xefuL eO{ a}+ssf] k|ultdf 5nkmn ug{ k|f]T;flxt u/]sf5f}+ .
cGtdf,
a}+ssf] k|ultsf] nflu ;xof]u, ;b\efj, cd"No ;'emfj tyf dfu{bz{g k|bfg ug'{ x'g] ;Dk'0f{ z]o/wgL dxfg'efjx?, lgodgsf/L lgsfox?
tyf cfb/0fLo u|fxsju{ tyf nfeu|fxL Pj+ ;d:t ;/f]sf/jfnfx? k|lt xflb{s s[t1tf ;lxt wGojfb 1fkg ub{5f}+ . ;fy} a}+snfO{ o;
prfO{df k'ofpg cys kl/>d ug]{ Joj:yfkg tyf sd{rf/Lx?nfO{ ljz]if wGojfb 1fkg ub{5f}+ .
wGojfb .
10
jf;nft
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
k'hL / bfloTj
!=
@=
#=
$=
%=
^=
&=
*=
(=
!=
@=
#=
$=
%=
^=
&=
*=
(=
cg';"rL
z]o/ k'hL
hu]8f tyf sf]ifx
C0fkq tyf a08
ltg{ afsL shf{ ;fk6L
lgIf]k bfloTj
e'QmfgL lbg'kg]{ lanx
k|:tfljt tyf e'QmfgL lbg afsL nfef+z
cfos/ bfloTj -v'b_
cGo bfloTj
s'n k'hL / bfloTj
$=!
$=@
$=#
$=$
$=%
$=^
$=&
;DklQ
cg';"rL
gub df}Hbft
g]kfn /fi6 a}+sdf /x]sf] df}Hbft
a}+sljQLo ;+:yfdf /x]sf] df}Hbft
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
nufgL
shf{, ;fk6 tyf lan vl/b
l:y/ ;DklQ
u}/ a}ls ;DklQ -v'b_
cGo ;DklQ
s'n ;DklQ
$=*
$=(
$=!)
$=!!
$=!@
$=!#
$=!$
$=!%
$=!^
;Defljt bfloTj
;~rfnsx?sf] 3f]if0ff
k'hLsf]if tflnsf
shf{ hf]lvd
Credit Risk Mitigation sf] nflu of]Uo /sd
;~rfng hf]lvd
cg';"rL $=!&
cg';"rL $=@(
cg';"rL $=#)-s !_
cg';"rL $=#)-v_
cg';"rL $=#)-u_
cg';"rL $=#)-3_
o; jif{ ?=
ut jif{ ?=
!,^(,$!,(^,%@%
!,^!,#%,@),%))
$!,(!,*),!(*
@(,**,)(,(()
#%,)),)),)))
#%,)),)),)))
!),)),)),)))
!*,@(,(^,@&,^@) !*,)*,@(,%&,(**
#),@!,)),)#(
%@,^@,()@
!&,$),(*,*^@
@),(&,%&,^^%
$^,&*,)&$
@*,)!,%&*
#!,^),!),)&%
@*,(!,#*,(#%
@!,%%,(*,(!,#(# @),(%,@@,$(,%%*
o; jif{ ?=
ut jif{ ?=
#%,^^,^(,@#^
@$,$@,)%,)(!
!,*^,^$,(),&)&
!,@!,(&,!^,&!^
%%,!$,#@,#&#
#&,^&,*@,$#@
%,)),)),)))
(),$#,&&,)*^
#,)$,!$,@!,&^& #,!*,^(,)%,*($
!%,!(,(*,$&,()^ !$,%^,)!,)(,%**
#%,@#,#*,@$#
@*,@#,$(,!@^
!$,!^,(!,!^!
!&,&*,)#,^@%
@!,%%,(*,(!,#(# @),(%,@@,$(,%%*
ahf/ hf]lvd
k|d'v ;"rsfx?
k|d'v n]vf gLltx?
n]vf ;DalGw l6Kk0fLx?
;+:yfksx?sf] shf{ ljj/0f
n]vk/LIf0f gePsf] ljQLo glthf
n]vfk/LIf0f gePsf] / n]vfk/LIf0f
ePsf] ljQLo glthfsf] t'ngfTds ljj/0f
;'dg hf]zL
cWoIf
cg';"rL $=#)-_
cg';"rL $=#!
cg';"rL $=#@
cg';"rL $=##
cg';"rL $=#$
cg';"rL $=A
cg';"rL ##
cg';"rL $=#%
zzL ;Tofn
k|f]k|fO6/
lgldQ
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
11
gffgf]S;fg lx;fa
! >fj0f @)^& b]lv #@ cfiff9 @)^* -!& h'nfO{ @)!) b]lv !^ h'nfO{ @)!! ;Dd_
ljj/0f
!= Aofh cfDbfgL
@= Aofh vr{
v'b Aofh cfDbfgL
#= sldzg tyf l8:sfp06
$= cGo ;~rfng cfDbfgL
%= ;6xL 36a9 cfDbfgL
s'n ;~rfng cfDbfgL
^= sd{rf/L vr{
&= cGo ;~rfng vr{
*= ;6xL 36a9 gf]S;fg
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf
(= ;Defljt gf]S;fgL Joj:yfx?
;~rfng d'gfkmf
!)= u}/ ;~rfng cfDbfgL-gf]S;fg_
!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{
lgoldt sf/f]jf/af6 ePsf] d'gfkmf
!@= c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf-vr{_
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf
!#= sd{rf/L af]g; Joj:yf
!$= cfos/ Joj:yf
o; jif{sf]
ut jif{sf]
:yug s/ vr{-cfDbfgL_
v'b gfkmf-gf]S;fg_
cg';"rL
$=!*
$=!(
$=@)
$=@!
$=@@
$=@#
$=@$
$=@@
$=@%
$=@^
$=@&
$=@*
o; jif{ ?=
@,@#,##,#@,&(!
!,%),#*,%!,)@%
&@,($,*!,&^^
^,&&,(%,**^
^,(%,!$,*&&
^,#!,@&,*&$
(@,((,@),$)#
!%,&^,^@,@$*
!^,(@,($,#&)
^),@(,^#,&*%
!,#^,#$,*#@
%*,(#,@*,(%#
*,&#,^*&
&,(*,$)^
%(,!),)!,)$^
@#,$*,#$&
%(,##,$(,#(#
%,#(,$),*%$
!^,!$,*@,$^(
@&,*),(&%
#&,%!,$%,)(%
ut jif{ ?=
!,&*,&^,(@,%$)
!,!#,%^,)(,*()
^%,@),*@,^%)
$,^*,^^,(!@
^,)),#!,^#!
$,&%,^#,#)*
*),^%,$$,%)!
!@,@$,)%,^#)
!$,@!,^(,@#@
%$,!(,^(,^#(
@,*&,^^,%@%
%!,#@,)#,!!$
!#,@%,$*^
#^,$$,%%)
%!,*!,&#,!%)
-$#,^^,$!^_
%!,#*,)^,&#$
$,^&,)(,&)#
!$,!$,$!,#!&
-!#,*!,#@&_
#@,&),#&,)$!
;'dg hf]zL
/fh]Gb|s'df/ v]tfg
cWoIf
zzL ;Tofn
k|f]k|fO6/
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
! >fj0f @)^& b]lv #@ cfiff9 @)^* -!& h'nfO{ @)!) b]lv !^ h'nfO{ @)!! ;Dd_
ljj/0f
cfDbfgL
!= ut jif{;Ddsf] ;l~rt d'gfkmf
@= o; jif{sf] d'gfkmf
#= ;6xL 36a9 sf]if
$= k'hL ;dfof]hg sf]ifaf6 /sdfGt/
%= ;l~rt d'gffdf ;dfof]hg
hDdf
vr{
!= ut jif{;Ddsf] ;l~rt gf]S;fg
@= o; jif{sf] gf]S;fg
#= ;fwf/0f hu]8f sf]if
$= e}k/L cfpg] hu]8f
%= ;+:yf ljsf; sf]if
^= nfef+z ;dLs/0f sf]if
&= sd{rf/L ;DaGwL hu]8fx
*= k|:tfljt nfef+z
(= k|:tfljt af]g; z]o/
!)= ljz]if hu]8f sf]if
!!= ;6xL 36a9 sf]if
!@= k'hL lkmtf{ hu]8f sf]if
!#= k'hL ;dfof]hg sf]if
!$= nufgL ;dfof]hg sf]if
!%= ;dfof]hg
:yug s/ bfloTj
:yug s/ sf]if
hDdf
!^= ;l~rt d'gff-gf]S;fg_
;'dg hf]zL
/fh]Gb|s'df/ v]tfg
cWoIf
o; jif{ ?=
ut jif{ ?=
!,&),$@,!#$
#&,%!,$%,)(%
#(,@!,*&,@@(
@,!@,&),%)*
#@,&),#&,)$!
!,(@,)*(
#$,*$,((,^#*
&,%),@(,)!(
!&,$),(*,*^@
*,)^,&^,)@%
!&,!^,@!)
%,)),)),)))
!*,((,%#)
-@%,)^,$(%_
#*,)(,!#,!%!
!,!@,&$,)&*
^,%$,)&,$)*
@),(&,%&,^^%
##,&),$#&
%,)),)),)))
!%,$),^^&
!#,*!,#@&
##,!$,%&,%)$
!,&),$@,!#$
zzL ;Tofn
k|f]k|fO6/
lgldQ
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
13
ljj/0f
-s_ sf/f]jf/ ;~rfngaf6 gub k|jfx
!= gub k|flKt
!=! Aofh cfDbfgL
!=@ sldzg tyf l8:sfp06 cfDbfgL
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL
!=$ ckn]lvt shf{sf] c;"nL
!=% cGo cfDbfgL
@= gub e'QmfgL
@=! Aofh vr{
@=@ sd{rf/L vr{
@=# sfof{no ;~rfng vr{
@=$ cfos/ e'QmfgL
@=% cGo vr{
sfo{ut k'hL -Working Capital_ ultljlw cl3sf] gub k|jfx
;~rfng ;DalGw rfn' ;DklQdf sdL-j[l4_
!= dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL-j[l4_
@= cGo cNksfnLg nufgLdf sdL-j[l4_
#= shf{ tyf lan v/Lbdf sdL-jl[4_
$= cGo ;DklQdf sdL-j[l4_
;~rfng ;DalGw rfn' bfloTjdf -sdL_j[l4
!= lgIf]k bfloTjdf -sdL_j[l4
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_j[l4
#= cNksfnLg ;fk6Ldf -sdL_j[l4
$= cGo bfloTjdf -sdL_j[l4
-v_ nufgL sf/f]jf/af6 gub k|jfx
!= bL3{sfnLg nufgLdf sdL-j[l4_
@= :yL/ ;DklQdf sdL-j[l4_
#= bL3{sfnLg nufgLdf Aofh cfDbfgL
$= nfef+z cfDbfgL
%= cGo
-u_ ljQLo sf/f]jf/af6 gub k|jfx
!= bL3{sfnLg C0f -a08, l8j]Gr/ cflb_ df j[l4-sdL_
@= z]o/ k'hL tyf z]o/ lk|ldoddf j[l4-sdL_
#= cGo bfloTjdf j[l4-sdL_
$= g]kfn /fi6 a}+saf6 k|fKt ;x'lnotk"g/shf{df j[l4-sdL_
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL -vr{_
-_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx
-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft
14
o; jif{ ?=
ut jif{ ?=
1,14,90,22,542
(37,49,70,993)
2,50,16,69,219 1,88,80,43,224
2,28,81,42,953 1,72,88,15,089
7,96,35,246
4,83,10,617
6,31,27,874
4,75,63,308
8,07,000
32,58,695
6,99,56,145
6,00,95,515
1,99,78,70,773
1,45,61,12,191
1,51,38,32,927 1,05,97,88,935
20,43,71,951
14,90,01,140
12,00,59,922
10,36,81,098
15,96,05,973
14,36,41,018
50,37,98,445
43,19,31,033
42,39,66,941 (2,49,88,82,455)
85,43,77,086 (49,86,77,086)
24,69,84,127
(70,37,54,733)
(65,30,66,943) (1,28,07,54,083)
(2,43,27,329)
(1,56,96,553)
22,12,57,156 1,69,19,80,430
21,66,69,632 2,03,16,54,892
(10,00,00,000) (35,00,00,000)
10,45,87,524
1,03,25,538
(21,51,34,463)
(6,87,42,446)
(10,15,00,000)
(11,36,34,463)
(6,89,74,244)
2,31,799
8,06,76,025
45,16,39,954
8,06,76,025
45,16,39,954
1,01,45,64,104
79,26,516
1,84,07,04,239
1,83,27,77,723
2,85,52,68,343 1,84,07,04,239
15
-17,40,98,862_
gub nfef+;
clGtd df}Hbft
1,69,41,96,525
1,12,74,078
-25,06,495_
:yug s/ sf]i
-5,00,00,000_
-18,99,530_
-17,16,210_
-8,06,76,025_
z]o/ lk|ldod
8,06,76,025
-7,50,29,019_
37,51,45,095
23,00,25,003
7,50,29,019
1,70,42,134 15,49,95,984
;fwf/0f hu]8f
sf]if
1,70,42,134 15,49,95,984
;l~rt gff
-gf]S;fg_
1,61,35,20,500
1,61,35,20,500
z]o/ k'hL
s'n df}Hbft
;dfof]hg M
z'? df}Hbft
ljj/0f
34,40,197
18,99,530
15,40,667
15,40,667
nufgL
;dfof]hg
sf]if
z]o/
lk|ldod
1,30,71,581
1,30,71,581
1,30,71,581
-cf= j= @)^&^*_
l8j]Gr/ ltf{
sf]if
25,06,495
25,06,495
:yug s/
sf]if
-0_
-25,06,495_
5,00,00,000
1,13,69,339 15,00,00,000
17,16,210
96,53,130 10,00,00,000
96,53,130 10,00,00,000
;6xL 36a9
sf]if
cGo
;l~rt tyf
sf]if
2,11,33,76,723
8,06,76,025
-17,40,98,862_
-8,06,76,025_
37,51,45,095
1,91,23,30,491
1,91,23,30,491
s'n /sd
?k}ofdf
cg';"rL $=!
?k}ofdf
ljj/0f
!=
o; jif{
z]o/ k'hL
!=! clws[t k'hL
s_ @,)),)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]
v_ gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
u_ l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
!=@ hf/L k'hL
s_ !,^!,#%,@)% ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]
v_ gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
u_ l/l8d]jn lk|lkm/]G; z]o/ k|lt z]o/ = n]
!=# r'Qmf k'hL
s_ !,^!,#%,@)% ;fwf/0f z]o/ k|lt z]o/ ?= !)) sf b/n]
v_ gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
u_ l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ = n]
!=$ k|:tfljt af]g; z]o/
!=% sn Og P8efG;
hDdf -!=#!=$!=%_
ut jif{
@,)),)),)),)))
@,)),)),)),)))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
*,)^,&^,)@%
1,69,41,96,525
@,)),)),)),)))
@,)),)),)),)))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
!,^!,#%,@),%))
1,61,35,20,500
z]o/ :jfldTj
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
ljj/0f
-s_ :jb]zL :jfldTj
!= g]kfn ;/sf/
#= s ju{sf Ohfhtkqk|fKt ;+:yfx?
$= cGo Ohfhtkqk|fKt ;+:yfx?
%= cGo ;+:yfx? -;+:yfks_
^= JolQmut
&= cGo -;+:yfks_
-v_ ljb]zL :jfldTj
hDdf
16
o; jif{
?=
!)) !,^!,#%,@),%))
#%=@* %^,(!,((,())
#%=%# %&,##,&*,!))
@(=!( $&,)(,$@,%))
!))=)) !,^!,#%,@),%))
ut jif{
!))
#%=@*
#%=%#
@(=!(
!))=))
?=
!,^!,#%,@),%))
%^,(!,((,())
%&,##,&*,!))
$,&)(,$@,%))
!,^!,#%,@),%))
o; jif{
ljj/0f
12=05
10=28
9=02
8=61
8=04
6=15
5=18
2=90
2=67
2=51
2=07
1=96
1=87
1=82
1=06
0=99
0=98
0=98
0=82
0=69
z]o/ k'hL ?=
19,45,07,400
16,58,21,900
14,55,30,000
13,89,15,000
12,96,54,000
9,92,25,000
8,36,32,500
4,68,40,400
4,31,40,600
4,04,34,400
3,34,53,000
3,15,86,800
3,02,12,700
2,93,42,200
1,71,35,400
1,60,44,600
1,58,76,000
1,58,76,000
1,32,30,000
1,10,80,900
cg';"rL $=@
?k}ofdf
o; jif{
!,#),&!,%*!
!%,)),)),)))
#$,$),!(&
@#,)),@%,))#
!,#),&!,%*!
ut jif{
!%,)),)),)))
#$,$),!(&
!,!@,&$,)&*
!,!#,^(,##(
!%,$(,(%,(*$
!,#),&!,%*!
!,#),&!,%*!
!),)),)),)))
!),)),)),)))
$),$&,!^@
!%,$),^^&
@%,)^,$(%
!,&),$@,!##
(^,%#,!#)
$!,(!,*),!(*
@(,**,)(,(()
17
cg';"rL $=#
?k}ofdf
o; jif{
ut jif{
#%,)),)),)))
#%,)),)),)))
#%,)),)),)))
#%,)),)),)))
cg';"rL $=$
18
?k}ofdf
o; jif{
hDdf
hDdf
ut jif{
!),)),)),)))
!),)),)),)))
!),)),)),)))
lgIf]k bfloTj
cg';"rL $=%
?k}ofdf
o; jif{
ut jif{
&$,(%,$(,$#!
*!,((,^),*)^
!= :jb]zL d'b|fdf
!=! g]kfn ;/sf/
!=@ s ju{sf Ohfhtkq k|fKt ;+:yfx?
!=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx?
!=$ cGo ;ul7t ;+:yfx
!=% JolQmut
!=^ cGo
^^,%%,@!,@^)
!^,%&,^&^
%!,&*,&&&
(!,#*,*(&
^@,!),&*,&*(
@,*$,^&,!@!
&^,(#,@^,%@@
#*,(*,&((
$,)(,!*,*(#
^(,*(,@*,*!^
@,%%,*),)!$
@= ljb]zL d'b|fdf
@=! g]kfn ;/sf/
@=@ s ju{sf Ohfhtkq k|fKt ;+:yfx?
@=# cGo Ohfhtkq k|fKt ljQLo ;+:yfx?
@=$ cGo ;ul7t ;+:yfx
@=% JolQmut
@=^ cGo
*,$),@*,!&!
*,$),@*,!&!
%,)^,#$,@*$
%,)%,&^,*%#
%&,$#!
!(,@!,*@,!&#
*,%),&@,&@!
!),&!,)(,$%@
!$,*),)^,%^%
%,@(,$@,(&$
(,%),^#,%(!
!,$&,*!,#&(
!%,#!,*!,)$@
!= :jb]zL d'b|fdf
!=! ljQLo ;+:yfx
!=@ cGo ;ul7t ;+:yfx
!=# JolQmut
!,$&,*!,#&(
!,$&,*!,#&(
!%,#!,*!,)$@
!%,#!,*!,)$@
@= ljb]zL d'b|fdf
@=! ljQLo ;+:yfx
@=@ cGo ;ul7t ;+:yfx
@=# JolQmut
(%,^%,!@,(*#
!,!@,!!,$*,$!#
v_ dflh{g
!= sd{rf/L hdfgt
@= hdfgt dflh{g
#= k|tLtkq dflh{g
u_ cGo
19
cg';"rL $=%
20
?k}ofdf
o; jif{
ut jif{
#,@!,%&,@@,###
#,)&,)^,@*,&#%
$$,#*,%&(
#,)^,^!,(),!%^
!$,%),(#,%(*
!$,%),(#,%(*
#,^*,$(,!%,&$*
#,$^,$!,&^,$)%
&,$$,&((
#,$^,#$,#!,^)^
@@,)&,#(,#$#
@@,)&,#(,#$#
v_ d'2tL lx;fa
!= :jb]zL d'b|fdf
!=! ;+3 ;+:yfx
!=@ JolQmut
!=# cGo
@= ljb]zL d'b|fdf
@=! ;+3 ;+:yfx
@=@ JolQmut
@=# cGo
(,$%,#%,^*,#&)
*,^),)%,@&,!@)
%,!!,&$,^$,(@(
#,$*,#),^@,!(!
*%,#),$!,@%)
*$,($,*!,@%)
#%,^),)))
&,*@,!$,%*,!)%
^,$&,@#,&^,!)%
$,#),&!,%%,^%%
@,!^,%@,@),$%)
!,#$,(),*@,)))
!,#$,(),*@,)))
$,^&,#*,@#,(#$
$,$),#*,#$,&@!
&),%),*&,^)$
@,@!,!%,^@,#!@
!,$*,&!,*$,*)%
@^,((,*(,@!#
!(,%#,$^,@@&
&,$^,$@,(*^
%,$%,%$,#%,&@!
$,($,&#,)!,^$%
!^,@),(%,!!#
((,&!,#@,%#@
@,&),$(,!(,(!*
!,)*,#!,%$,)*@
%),*!,#$,)&^
$*,^%,@*,*@)
@,!^,)%,@%^
3_ ;l6{ls]6 c l8kf]lh6
!= ;ul7t ;+:yfx
@= JolQmut
#= cGo
Aofh ltg'{kg]{ vftfxsf] hDdf -@_
hDdf lgIf]k -!@_
!&,#$,#!,!$,^#&
!*,@(,(^,@&,^@)
!^,(^,!*,)(,%&%
!*,)*,@(,%&,(**
cg';"rL $=^
?k}ofdf
o; jif{
ut jif{
!= :jb]zL d'b|f
#),@!,)),)#(
%@,^@,()@
@= ljb]zL d'b|f
#),@!,)),)#(
%@,^@,()@
hDdf
cGo bfloTj
cg';"rL $=&
?k}ofdf
o; jif{
ut jif{
!= k]G;gpkbfg sf]if
%,#(,$),*%$
$,^&,)(,&)#
!&,)^,&#,$$)
!^,##,#%,&^$
*(,)!,#&)
#%,!@,$@!
!,!(,#),^#)
!,$$,^^,!#^
@^,@^,&&^
%,^^,)*,$%%
$,##,*@,)#&
@,&$,$*)
&&,%!,)$*
!,%),*@@
!#= cGo
*&,*#,@$!
!,@!,)!,*##
$,(&,@))
$,%@,)))
@*,!&,$((
&%,)!,@(!
-u_ cGo
%$,^*,%$@
$!,$*,%$@
#!,^),!),)&%
@*,(!,#*,(#%
hDdf
21
gub df}Hbft
cg';"rL $=*
?k}ofdf
ljj/0f
o; jif{
ut jif{
#%,!^,$),(($
@#,(*,%#,*%)
%),@*,@$@
#%,^^,^(,@#^
$#,%!,@$!
@$,$@,)%,)(!
cg';"rL $=(
!=
ljb]zL d'b|f
kl/jTo{ lj=d'=
?k}ofdf
ut jif{
s'n
o; jif{
s'n
ljj/0f
:jb]zL d'b|f
!,&(,%%,)@,!(*
!,@!,(&,!^,&!^
s_ rNtL vftf
!,&(,%%,)@,!(*
!,@!,(&,!&,&!^
v_ cGo vftf
ef=?=
hDdf
cg';"rL $=!)
:jb]zL d'b|f
ljb]zL d'b|f
kl/jTo{ lj=d'=
ef=?=
?k}ofdf
ut jif{
s'n
o; jif{
s'n
hDdf
#,**,*^,&!*
s_ rNtL vftf
*,*$,$%,))*
#,**,*^,&!*
v_ cGo vftf
@= ljb]zL a}+sx
s_ rNtL vftf
v_ cGo vftf
*,*$,$%,))*
hDdf
gf]6M ;DalGwt Ohfhtkqk|fKt ;+:yfx?sf] ;dy{gkq cg';f/sf] s'n df}Hbft = !,&*,)^,$%,)(^ /x]sf] / /s Plsg e};sL
ldnfgsf] qmddf /x]sf] 5g\ .
22
cg';"rL $=!!
?k}ofdf
o; jif{
ut jif{
!= :jb]zL d'b|f
%,)),)),)))
!%,)),)),)))
@= ljb]zL d'b|f
hDdf
%,)),)),)))
&%,$#,&&,)*^
(),$#,&&,)*^
nufgL
cg';"rL $=!@
?k}ofdf
k|of]hg
Jofkfl/s
cGo
o; jif{
!,(%,@^,!%,$*( !,(%,@^,!%,$*(
!,&),%),)))
!,&),%),)))
*%,$$,)(,(^(
*%,$$,)(,(^(
!&,&%,##,#$)
!&,&%,##,#$)
%,)),)),)))
%,)),)),)))
#,)%,!^,)*,&(* #,)%,!^,)*,&(*
!,)!,*&,)#!
!,)!,*&,)#!
#,)$,!$,@!,&^& #,)$,!$,@!,&^&
ut jif{
!,$%,@#,)$,%*%
!),)),)))
!,&),%),)))
$^,(),)),)))
!,!#,!&,)%,)))
&,^),##,#$)
%,)),)),)))
#,!(,&),(@,(@%
!,)!,*&,)#!
#,!*,^(,)%,*($
23
!= z]o/df nufgL
!=! g]kfn a}+s lnld6]8
@(,))) lsQf ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf
-cg';"rL $=## sf] gf]6 !! x]g'{xf]nf _
!=@ Pe/]i6 OG:of]/]G; sDkgL
!!,&!! lsQf ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf
-*,@$! af]g; z]o/ ;d]t_
!=# ;f]N6L xf]6n lnld6]8
!$,$*% lsQf ;fwf/0f z]o/ ?= !) sf b/n] r'Qmf
-*,!%$ af]g; z]o/ ;d]t_
!=$ lxdfnog l8li6n/L lnld6]8
*,($) lsQf ;fwf/0f z]o/ ?= %) sf b/n] r'Qmf
-cg';"rL $=## sf] gf]6 !! x]g'{xf]nf _
!=% shf{ ;"rgf s]Gb| ln=
#^,))) ;fwf/0f z]o/ ?= !)) sf b/n] r'Qmf
-!&,&^% af]g; z]o/ ;d]t_
!=^ k|fOd nfO OG:of]/]G; sDkgL
?k}ofdf
o; jif{
ahf/ df]n
k/n df]n
ut jif{
Joj:yf
!&,&%,##,#$)
&,^),##,#$)
(&,$),)#!
;"rL/0faf6 x6fOPsf]
(&,$),)#!
(&,$),)#!
@),*@,)))
#^,#),$!)
@),*@,)))
&,$),*)(
@(,@%,(&)
&,$),*)(
$,$&,)))
$,$&,)))
$,$&,)))
;"rLs[t gePsf]
!*,@#,%))
!*,@#,%))
(,@#,$),)))
@%,)),))) ;"rLs[t gePsf]
%,$),)),)))
@%,)),)))
!@,)),)))
#%,)),)))
hDdf nufgL
#= hf]lvd ;DaGwL Joj:yf
v'b nufgL
gf]6M !=
24
N/L
%,)),)),)))
%,)),)),)))
@@,&%,##,#$)
!,)!,*&,)#!
!,)!,*&,)#!
@!,&#,$^,#)(
%,)),)),)))
%,)),)),)))
!@,^),##,#$)
!,)!,*&,)#!
!,)!,*&,)#! !,)!,*&,)#!
!,)!,*&,)#! !,)!,*&,)#!
!!,%*,$^,#)(
Jofkfl/s nufgL
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
cg';"rL $=!@=!
ljj/0f
k/n d"No
kl5Nnf] ahf/
d"No -s_
xfnsf] ahf/
d"No -v_
o; jif{
gff
-gf]S;fg_
/sd -vs_
ut jif{
gff
gf]S;fg /sd
s}lot
25
kl5Nnf]
ahf/ d"No
-v_
xfnsf]
ahf/ d"No
-u_
o; jif{
gff
-gf]S;fg_
/sd -vs_
ut jif{
gff
gf]S;fg
/sd
s}lot
26
k/n d"No
!&,&%,##,#$)
!&,&%,##,#$)
o; jif{
gff
-gf]S;fg_
/sd -vs_
ut jif{
gff
gf]S;fg
/sd
s}lot
c;n
?k}ofdf
shf{
ljj/0f
:jb]zL
ljkGg ju{
ljldt
cljldt
cg';"rL $=!#
o; jif{
ljb]zL
ut jif{
cGo
ljb]zL
hDdf
:jb]zL
46,79,39,185
14,62,89,41,867
2,70,05,448
15,12,38,86,500
12,66,97,151
49,091
12,67,46,242
15,25,06,32,742 14,61,74,67,248
46,79,39,185
14,62,89,41,867
2,70,05,448
15,12,38,86,500
12,66,97,151
49,091
12,67,46,242
15,25,06,32,742 14,61,74,67,248
13,76,80,439
13,88,39,694
13,88,39,694
11,89,38,245
11,25,38,152
11,25,38,152
11,25,38,152
10,11,21,892
11,59,255
hDdf
@=@ c;n
1,53,860
97,71,874
99,25,734
99,25,734
21,24,638
@=#
1,36,041
30,57,567
31,93,607
31,93,607
23,44,567
8,69,355
1,23,12,846
1,31,82,201
1,31,82,201
1,33,47,148
46,90,98,440
14,76,66,22,306
2,70,05,448
15,26,27,26,194
12,66,97,151
49,091
12,67,46,242
zf:kb
@=$ v/fa
s_ s'n shf{
15,38,94,72,436 14,73,64,05,493
c;n
48,65,228
15,17,05,287
2,70,054
15,68,40,570
12,66,972
491
12,67,462
15,81,08,032
14,86,05,077
#=@
k'g/;+/rgf ul/Psf]
1,42,56,060
1,42,56,060
1,42,56,060
1,26,40,236
#=#
sd;n
38,465
24,42,698
24,81,433
24,81,433
5,31,159
#=$ zf:kb
68,020
15,28,783
15,96,804
15,96,804
11,72,283
#=% v/fa
8,69,355
1,23,12,846
1,31,82,201
1,31,82,201
1,33,47,148
v_ s'n Joj:yf
58,41,068
18,22,45,945
2,70,054
18,83,57,068
12,66,972
491
12,67,462
18,96,24,530
17,62,95,905
$=! c;n
48,25,425
14,37,33,602
14,85,59,027
13,021
33,029
46,050
14,86,05,076
13,82,01,652
12,64,0236
1,26,40,236
1,26,40,236
$=# sd;n
4,791
5,26,368
5,31,159
5,31,160
$=$ zf:kb
11,72,283
11,72,283
11,72,284
12,47,729
$=% v/fa
7,60,634
1,25,86,514
1,33,47,148
1,33,47,148
82,95,333
55,90,851
17,62,49,855
17,62,49,855
13,021
33,029
46,050
17,62,95,904
14,77,44,714
3_ o; jif{sf] lkmtf{
(2,73,668)
(2,73,668)
(32,538)
(32,538)
(3,06,206)
(2,15,334)
_ o; jif{sf] yk
2,50,218
1,18,60,609
2,70,054
1,23,80,881
12,53,950
12,53,950
1,36,34,832
2,87,66,525
r_ o; jif{sf] yk36
2,50,218
1,15,86,941
40,557
1,21,07,213
12,53,950
(32,538)
12,21,413
1,33,28,626
2,85,51,191
46,32,57,372
14,58,43,76,360
40,740
15,07,43,69,126
12,54,30,179
48,600
12,54,78,779
$= ut jif{;Ddsf] Joj:yf
15,19,98,47,906 14,56,01,09,588
27
?k}ofdf
ljj/0f
o; jif{
s_ ;'/lIft
!= rncrn ;DklQsf] ;'/If0fdf
@= :jb]zL a}+s tyf ljQLo ;+:yfsf] hdfgtdf
#= ;/sf/L hdfgtdf
$= cGt/fli6o >]0fLs[t a}+ssf] hdfgtdf
%= lgof{t sfuhftsf] ;'/If0fdf
^= d'2tL /l;bsf] ;'/If0fdf
s_ cfkm\g} a}+ssf] d'2tL /l;bsf] ;'/If0fdf
v_ cGo a}+ssf] d'2tL /l;bsf] ;'/If0fdf
&= ;/sf/L C0fkqsf] ;'/If0fdf
*= sfpG6/ hdfgtdf
(= JolQmut hdfgtdf
!)= cGo ;'/If0fdf
v_ c;'/lIft
hDdf -sv_
!%,#*,($,&@,$#^
!%,)(,^&,%(,#)#
!#,$^,##,$()
!#,!!,*&,@&&
!#,!!,*&,@&&
@@,&@,)!$
@,$^,@),#%@
!%,#*,($,&@,$#^
l:y/ ;DklQ
!= k/ndf]n
s_ ut jif{sf] df}Hbft
v_ o; jif{sf] yk
u_ o; jif{ k'gd"{Nofgk'gn]{vg
3_ o; jif{sf] laqmL
_ o; jif{sf] ckn]vg
kl/jxg
;fwg
$,(*,&#,&@$
&,^),!*,#!@
#,#^,^),)))
-%*,(*,^%%_
d]lzg/L
sfof{no
;fdfg
!$,&#,^$,)%,$(#
!$,!),&%,@@,&%@
!,@),)),)))
!#,$^,##,$()
$^,$#,!),)&#
$^,#),!*,&#(
!@,(!,##$
!,&(,#(,!&*
!$,&#,^$,)%,$(#
?k}ofdf
;DklQ
ejg
ut jif{
cg';"rL $=!$
o; jif{
ut jif{
cGo
!#,%&,$&,^&)
#,!@,%%,*@^
-!@,@^,!&#_
@^,!^,#(,&)^
^,$(,!%,*@^
-&!,@$,*@*_
@!,%$,&),^%)
%,)&,%(,%))
-$%,(),$$%_
$,(*,&#,&@$ !),#&,&(,^%&
!^,%&,&&,#@#
#!,($,#),&)$
@^,!^,#(,&)%
@= x|f; sL
s_ ut jif{;Ddsf]
v_ o; jif{sf]
u_ x|f; sL k'gd"{Nofgk'gn]{vg
3_ o; jif{sf] ckn]vgldnfg
&$,*%,*(# @,)$,%*,%$*
!@,%%,@^* !,)%,*^,*!*
-@&,%),!^^_
&,%$,)%,()^
@,!*,@@,^$*
-!),%$,&!!_
!),##,%),#$&
#,#^,^$,&#$
-#*,)$,*&&_
&,*(,@$,!&%
@,^&,%&,&&^
-@#,#!,^)%_
@,*@,(%,@))
(,^!,&#,*$#
!#,#@,!),@)$
!),##,%),#$^
$,!!,#@,%^# &,%$,*$,$%&
^,(^,)#,$*)
!*,^@,@),%))
!%,*@,*(,#%(
*&,$!,!^!
$= hUuf
^,%^,@),!*&
^,%^,@),!*&
^,!(,%*,%)(
@,(^,@),(!*
^= lnhxf]N8 ;DklQ
#,*%,#(,)$&
@,**,!*,^^@
$,!!,#@,%^#
&,%$,*$,$%&
^,(^,)#,$*)
#%,@#,#*,@$#
@*,@#,$(,!@^
hDdf -#$%^_
* Written Down Value
28
cg';"rL $=!%
u}/ a}+ls
s'n u}/ a}+ls
;DklQ
;DklQ /sd
;sf/ u/]sf]
ldlt
25,500
20630127
?k}ofdf
gf]S;fgL Joj:yf
k|ltzt
/sd
100
25,500
o; jif{sf]
v'b u}/ a}ls
;DklQ
25,500
25,500
cGo ;DklQ
cg';"rL $=!^
?k}ofdf
o; jif{
!= d;nGb df}Hbft
@= nufgLdf c;'n ug{ afsL cfDbfgL
ut jif{
ut jif{
16,98,375
3,16,54,864
8,64,65,026
4,01,13,632
2,92,51,780
4,01,13,632
2,92,51,780
8,90,99,193
6,44,99,436
70,28,865
69,55,755
*= dfu{:y gub
25,06,495
1,39,08,239
1,56,78,538
79,74,662
42,72,734
34,31,142
14,16,91,161
17,78,03,625
!$= cGo
-v_ ckn]vg ug{ afsL ;km\6j]o/ vr{
-u_ P8\efG; 6\ofS;
58,07,358
(net)
81,00,881
29
?k}ofdf
o; jif{
! jif{ ;Dd ! b]lv # jif{ ;Dd # jif{ eGbf dfly
3,81,17,828
19,95,804
ljj/0f
!= shf{df c;'n ug{ afsL Aofh
ut jif{
hDdf
4,01,13,632
2,92,51,780
$= Ph]G;L vftf
;Defljt bfloTjx
cg';"rL $=!&
?k}ofdf
o; jif{
ut jif{
81,22,80,238
87,65,58,043
79,60,82,038
87,65,58,043
1,61,98,200
1,70,61,78,756
90,08,10,568
67,27,21,920
46,79,25,106
1,03,34,56,836
43,28,85,462
4,47,000
4,47,000
18,39,23,760
8,76,69,600
8,57,12,857
5,96,80,323
31,14,66,383
38,67,79,000
55,13,41,969
42,94,30,682
1,26,97,10,904
26,07,40,619
40,80,000
36,80,000
2,70,45,808
5,47,27,926
4,31,58,244
4,97,98,69,793
3,07,59,99,887
(= k|Tofe"lt k|ltj4tf
(Capital Commitments)
(Financial Guarantee)
Aofh cfDbfgL
! >fj0f @)^& b]vL #@ cfiff9 @)^* ;Dd -h'nfO{ !&, @)!) b]vL !^ h'nfO{ @)!! ;Dd_
ljj/0f
s_ shf{, ;fk6 / clwljsif{df
!= shf{ tyf ;fk6
@= clwljsif{
v_ nufgLdf
!= g]kfn ;/sf/sf] C0fkq
s_ 6]h/L laN;
v_ ljsf; C0fkq
u_ /fli6o artkq
@= ljb]zL C0fkq
s_
v_
#= g]kfn /fi6 a}+ssf] C0fkq
$= l8a]Gr/ tyf a08
s_ a}+sljQLo ;+:yfx
v_ cGo ;+:yfx
%= cGt/ a}+s nufgL
s_ a}+sljQLo ;+:yfx
v_ cGo ;+:yfx
u_ Ph]G;L df}Hbftdf
!= :jb]zL a}+sljQLo ;+:yfx?
@= ljb]zL a}+sx
3_ dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf
!= :jb]zL a}+sljQLo ;+:yfx?
@= ljb]zL a}+sx
_ cGodf
!= ;l6{ls]6 c l8kf]lh6
@= cGt/ a}+sljQLo ;+:yf shf{
#= cGo
-s_ FCY Kn];d]G6
-v_ cGo
hDdf
o; jif{
2,05,50,55,678
1,45,20,73,182
60,29,82,496
11,46,03,002
10,38,09,228
10,27,37,978
10,71,250
38,75,000
38,75,000
69,18,774
69,18,774
3,61,62,631
3,60,49,440
1,13,191
2,75,11,480
2,75,11,480
2,23,33,32,791
cg';"rL $=!*
?k}ofdf
ut jif{
1,63,30,76,679
1,10,64,28,614
52,66,48,065
11,07,63,211
6,76,95,704
6,66,21,478
10,74,226
38,75,000
38,75,000
3,91,92,507
3,91,92,507
1,11,34,531
1,08,16,683
3,17,848
3,27,18,119
3,27,18,119
1,78,76,92,540
31
Aofh vr{
! >fj0f @)^& b]vL #@ cfiff9 @)^* ;Dd -h'nfO{ !&, @)!) b]vL !^ h'nfO{ @)!! ;Dd_
ljj/0f
s_ lgIf]k bfloTjdf
!= d'2tL lgIf]k
!=! :jb]zL d'b|f
!=@ ljb]zL d'b|f
@= art lgIf]k
@=! :jb]zL d'b|f
@=@ ljb]zL d'b|f
#= dfu]sf] avt ltg'{kg]{ lgIf]k
#=! :jb]zL d'b|f
#=@ ljb]zL d'b|f
$= ;l6{ls]6 c l8kf]lh6\;
v_ shf{ ;fk6df
!= C0fkq tyf a08
@= g]kfn /fi6 a}+saf6 k|fKt shf{
#= cGt/ a}+sljQLo ;++:yf shf{
$= cGo ;ul7t ;++:yf
%= cGo shf{
u_ cGodf
!=
@=
, hDdf
o; jif{
!,$^,$$,&&,!^)
(),&#,&@,!#)
*&,)@,)@,)@$
#,&!,&),!)^
!*,!^,)),^)@
!&,*!,)&,&#^
#$,(@,*^^
#&,%%,)$,$@*
#&,)#,(^,)!&
%!,)*,$!!
#,(#,&#,*^%
@,(&,%),)))
!@,*@,&^#
*#,$!,!)@
!,%),#*,%!,)@%
! >fj0f @)^& b]vL #@ cfiff9 @)^* ;Dd -h'nfO{ !&, @)!) b]vL !^ h'nfO{ @)!! ;Dd_
s_ lan vl/b tyf l8:sfp06
!= :jb]zL
@= ljb]zL
v_ sldzg
!= k|lttkq
@= hdfgtkq
#= sn]S;g L
$= /]ld6]G; L
%= sf8{
^= z]o/ k|Tofe"ltlgisfzg
&= ;/sf/L sf/f]jf/ jfkt
*= O=k|f= sldzg jfkt
(= af cfDbfgL
u_ cGo
hDdf
32
?k}ofdf
ut jif{
!,)$,%!,(*,!%&
%^,!^,*^,($(
%@,*(,^),^^@
#,@&,@^,@*&
!*,)#,^*,$(*
!&,^@,$!,%##
$!,@^,(^%
#),#!,$@,&!)
@(,*$,*%,@&$
$^,%&,$#^
(,)$,!!,&##
@,(*,#!,%)&
!,($,$#,&)@
$,!!,#^,%@$
!,!#,%^,)(,*()
cg';"rL $=!(
cg';"rL $=@)
?k}ofdf
o; jif{
ut jif{
@%,#),()%
@%,#),()%
$,&!,@(,$*$
!,!#,(#,*@&
!,(!,%^,((^
!,(*,*$@
!,%#,(#,!^$
(,*^,^%%
!,*!,#%,$(&
^,&&,(%,**^
@*,@(,%&!
@*,@(,%&!
#,&#,&^,&^*
!,@&,&^,)%@
!,!^,^#,@^&
!,(^,*%*
!,!(,((,*(@
&,$),^((
^^,^),%&#
$,^*,^^,(!@
o; jif{
@&,$^,@%)
#,#!,@&%
&),!%,(!^
%&,^!,&%&
$,@(,!$,$%#
!,)&,$%,@@^
^,(%,!$,*&&
o; jif{
tna
eQf
;~rosf]ifdf of]ubfg
tflnd vr{
kf]zfs
cf}ifwf]krf/
aLdf
pkbfg Joj:yf
cGo
hDdf
cg';"rL $=@@
?k}ofdf
ut jif{
!,#$,*!,&$&
%,^@,^#,)#%
#,$),*!,%^!
^,#!,@&,*&$
$,&%,^#,#)*
! >fj0f @)^& b]vL #@ cfiff9 @)^* ;Dd -h'nfO{ !&, @)!) b]vL !^ h'nfO{ @)!! ;Dd_
!=
@=
#=
$=
%=
^=
&=
*=
(=
k}ofdf
ut jif{
@),@%,&%)
$,##,&*!
#^,^!,&!$
#^,$#,%))
$,)@,^$,@!(
!,)),)@,^^&
^,)),#!,^#!
^*,^$,*#(
sd{rf/L vr{
ljj/0f
cg';"rL $=@!
o; jif{
&,!*,!),)$$
%,*^,&$,^#)
^^,@#,%@^
#^,@),@#&
%^,$@,)!)
!,!#,*@&
#(,#%,#@%
&@,$@,^$(
!%,&^,^@,@$*
cg';"rL $=@#
?k}ofdf
ut jif{
%,$(,^&,$$@
$,$%,@&,#*(
$(,&&,^$%
!(,*),)#!
$%,%&,(!!
(&,*$*
&),$),)@*
$@,%&,##^
!@,@$,)%,^#)
33
34
o; jif{
@,*@,)(,%$(
((,^^,*(&
%(,%#,!&&
$!,$#,#!&
$,$$,%)#
!#,^%,#%&
#@,^*,!^(
#(,^#,%!@
!&,$%,*#)
#(,%!,$(&
%*,*@,$$@
@$,())
!,!@,^(,)*!
%,$&,(!^
!),&!,%)*
*,#),)))
@,$!,%)*
#,&$,($%
&,)!,)!^
$,(&,@))
@,)#,*!^
@^,%$,))!
#,#^,^$,&#$
@(,))#
!,)#,^@$
!,$%,*^,!(@
$,!#,@^,#&&
!,#@,^%,*((
%!,@&,^*!
!,)$,!#,)#!
!,@%,!(,&^^
!^,(@,($,#&)
cg';"rL $=@$
?k}ofdf
ut jif{
@,$),)%,*%$
*&,!@,&$#
$&,$#,#)!
#@,%!,$&&
@,(@,#@(
!!,((,$(%
@#,@*,)@&
#*,#@,^&#
!^,$(,!(*
@*,^^,##^
%#,!),^@*
(,&!&
!,@!,&*,**$
#,#@,(^&
!!,$$,$$&
(,&@,)))
!,&@,$$&
%,!^,(%%
^,)%,&#(
$,%@,)))
!,%#,&#(
@*,#%,*%)
@,^&,%&,&&^
##,%!,@((
@,)*,(%&
!,!%,%%,)!^
@,(@,@@,*^%
!,)),@!,#@%
$@,#$,@#)
*^,#),#%%
^#,#^,(%%
!$,@!,^(,@#@
?k}ofdf
o; jif{
ut jif{
!,#^,#$,*#@
!,#^,#$,*#@
@,*&,^^,%@%
@,*&,^^,%@%
cg';"rL $=@%
o; jif{
cg';"rL $=@^
?k}ofdf
ut jif{
$,#@,$!(
!),@(,*)#
@,#!,&((
$,$!,@^*
$,$!,@^*
*,&#,^*&
^#,**$
^#,**$
!#,@%,$*^
o; jif{
cg';"rL $=@&
?k}ofdf
ut jif{
#,)^,@)^
$,(@,@))
@,!%,##$
#$,@(,@!&
hDdf
&,(*,$)^
#^,$$,%%)
35
cg';"rL $=@*
?k}ofdf
o; jif{
*,)&,)))
#,*#,%$&
!!,%&,*))
ut jif{
#@,%*,^(%
-&^,(&,^)(_
&@,$(*
@#,$*,#$&
-$#,^^,$!^_
cg';"rL $=@*-s_
! >fj0f @)^& b]vL #@ cfiff9 @)^* ;Dd -h'nfO{ !&, @)!) b]vL !^ h'nfO{ @)!! ;Dd_
?k}ofdf
qm=;+= shf{ k|sf/
ckn]vg ul/Psf]
/sd
2. kl/of]hgf shf{
4. JolQmut shf{
5. cGo shf{
hDdf shf{
lwtf]sf] k|sf/
tyf /sd
lwtf] d"Nofgsf]
cfwf/
s}lot
cg';"rL $=@(
?k}ofdf
o; jif{ c;'nL
;fjf
Aofh
!_ ;~rfns
o; jif{
yk shf{
@_ sfo{sf/L k|d'v
#_ ;+:yfks
$_ sd{rf/L
%_ z]o/wgLx
hDdf
gf]6M sd{rf/L lgodfjnL cGtu{t sd{rf/Lx?nfO{ k|bfg ul/Psf] C0f tyf d'2tL vftf;/sf/L ;'/If0fsf] lwtf]df k|bfg ul/Psf shf{x? dfly ;dfj]z gul/Psf] .
36
k'hLsf]if tflnsf
cg';"rL $=#)-s!_
o; jif{
?k}ofdf
ut jif{
!*,&$,&$,$$,**%
*^,*$,^@,(&!
@,^!,)!,^(%
!%,&&,$(,)^,^($
%*,*),*^,@#)
^,(#,#),%(@
#(,@*,$),!(!
@),)#,$*,$(,&$@
!,(^,@@,(*,!%&
!,^!,#%,@),%))
!,#),&!,%*!
*,)^,&^,)@%
@#,)),@%,))#
!,!@,&$,)&*
!%,)),)),)))
!^,$#,@#,@#,%!^
!,*#,$*,^&,^^#
!,^!,#%,@),%))
!,#),&!,%*!
!%,$(,(%,(*$
!,&),$@,!##
!),)),)),)))
@%,)^,$(%
-(&,$),)#!_
-!@,^),*@,)))_
-$,$&,)))_
#^,&&,$&,@($
@),)),)),)))
!%,@(,#&,&%*
#$,$),!(&
!,!#,^(,##(
@,##,)),$%,$%!
-(&,$),)#!_
-%,^),*@,)))_
-$,$&,)))_
$),*),)&,%*^
@%,)),)),)))
!$,^*,!#,&()
!%,$),^^&
(^,%#,!#)
@,@$,@*,&%,@$(
(=&(
!!=^#
!!=!&
!#=^%
37
38
cGo ;DklQ
hDdf
ljj/0f
-v_
-s_
1,80,79,952
28,19,45,172
23,65,26,585
1,92,35,16,986
1,16,70,56,582
223,2,59,27,697
69,95,15,355
73,50,64,637
8,89,01,18,042
39,59,500
8,89,40,77,542
30,81,32,432
2,82,53,27,020
26,38,31,482
52,14,81,727
4,05,23,500
7,40,809
71,15,29,884
71,15,29,884
13,26,23,391
10,97,25,941
2,98,999
5,59,000
31,52,57,648
31,52,57,648
47,22,19,301
21,46,29,17,744
30,81,32,432
2,82,50,28,021
22,82,82,200
41,17,55,787
4,05,23,500
7,40,809
26,38,65,220
23,65,26,585
1,92,29,57,986
5,00,00,000
42,71,18,576
7,41,212
93,01,215
5,00,00,000
42,71,18,576
7,41,212
93,01,215
-3svu_
35,67,35,989
1,86,64,90,707
1,96,96,65,489
15,59,27,141
-u_
CRM
o; jif{
u0fgf ug{ ;lsg]
v'b /sd
35,67,35,989
1,86,64,90,707
1,96,96,65,489
15,59,27,141
3,55,49,282
ljz]if Joj:yf
lstfaL d'No
shf{ hf]lvd
150
100
20
50
100
150
100
20
50
100
150
75
100
60
150
100
100
150
150
150
100
0
0
0
0
0
0
0
20
50
100
150
0
100
20
50
100
150
20
100
20
hf]lvd efl/t
k|ltzt
-_
47,22,19,301
16,04,28,87,711
30,81,32,432
2,82,50,28,021
34,24,23,300
61,76,33,680
6,07,85,250
7,40,809
19,78,98,915
23,65,26,585
1,15,37,74,792
8,89,01,18,042
71,15,29,884
6,30,51,530
7,50,00,000
8,54,23,715
7,41,212
18,60,243
hf]lvd efl/t
/sd
-r3x_
4,303,59,716
20,55,25,31,385
33,42,42,259
90,23,500
7,40,809
1,87,383
3,16,33,80,775
4,05,29,333
18,33,41,564
2,30,26,18,891
8,05,58,55,302
1,23,05,202
1,47,68,74,319
5,00,00,000
87,12,85,463
1,07,01,255
50,95,96,931
10,00,000
50,13,63,388
1,35,35,250
7,40,809
1,87,383
3,16,33,80,775
3,03,96,999
18,33,41,564
1,38,15,71,334
8,05,58,55,302
1,23,05,202
29,53,74,864
7,50,00,000
17,42,57,093
1,07,01,255
10,19,19,386
hf]lvd efl/t
/sd
-r3x_
4,30,35,9716
14,43,02,90,321
ut jif{
24,42,71,844
1,21,97,16,716
1,47,03,54,585
16,61,45,539
-3svu_
v'b /sd
?k}ofdf
cg';"rL $=#)-v_
39
ljj/0f
-v_
-s_
6,75,52,012
1,61,98,200
6,78,49,978
1,43,70,932
4,08,000
1,45,28,874
18,09,07,995
31,35,31,386
1,61,98,200
1,70,61,78,756
1,26,97,10,904
40,80,000
31,14,66,383
55,13,41,969
5,47,27,926
4,98,29,08,825
27,30,88,36,522
-u_
CRM
8,57,12,856
18,74,09,793
79,60,82,039
73,50,64,637
ljz]if Joj:yf
lstfaL d'No
55,13,41,969
5,47,27,926
4,80,20,00,830
26,26,49,18,574
1,25,53,39,972
36,72,000
29,69,37,509
1,63,83,28,778
8,57,12,856
18,74,09,793
72,85,30,027
-3svu_
o; jif{
u0fgf ug{ ;lsg]
v'b /sd
20
100
100
100
100
100
100
0
0
10
20
20
50
100
150
50
20
50
100
150
50
20
50
100
150
50
100
hf]lvd efl/t
k|ltzt
-_
11,02,68,394
5,47,27,926
2,70,45,57,174
18,74,74,44,885
1,25,53,39,972
36,72,000
29,69,37,509
81,91,64,389
1,87,40,979
14,57,06,005
hf]lvd efl/t
/sd
-r3x_
42,94,30,682
3,09,88,432
2,91,02,77,817
23,46,28,09,201
25,30,27,481
33,12,000
36,97,41,516
85,86,83,602
5,96,80,323
8,76,37,493
81,77,76,287
-3svu_
v'b /sd
25,30,27,481
33,12,000
36,97,41,516
42,93,41,801
87,63,749
16,35,55,257
hf]lvd efl/t
/sd
-r3x_
8,58,86,136
3,09,88,432
1,34,46,16,373
15,77,49,06,694
ut jif{
?k}ofdf
40
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 -3_
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'kIfLo ljsf; a}+sx? pk/sf] bfjL
cGo ax'kIFLo 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_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA rating 3-6_
;fj{hlgs ;+:yf pk/sf] bfjL -ECA rating -7_
tf]lsPsf] k'hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL
tf]lsPsf] k'hLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL
ljb]zL a}+s pk/sf] bfjL -ECA rating 0-1_
ljb]zL a}+s pk/sf] bfjL -ECA rating -2_
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 ug]{ SAARC If]qleq
:yfkgf ePsf ljb]zL a}+s pk/sf] bfjL
:jb]zL ;+3 ;+:yfx? pk/sf] bfjL
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating 0-1_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating -2_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating 3-6_
ljb]zL ;+3 ;+:yfx? pk/sf] bfjL -ECA rating -7_
pkef]Uo tyf ;fgf shf{ -Regulatory Retail Portfolio_ -efvf ggf3]sf]_
pkef]Uo tyf ;fgf shf{ -Regulatory Retail Portfolio_ -efvf gf3]sf]_
u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{
cfjfl;o 3/hUufaf6 ;'/lIft bfjL
cfjfl;o 3/hUufaf6 k"0f{ ;'/lIft gePsf] bfjL
cfjfl;o 3/hUufaf6 ;'/lIft bfjL -efvf gf3]sf]_
Jofkfl/s 3/hUufaf6 ;'/lIft bfjL
e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjf;Lo 3/hUuf ;'/lIft afx]s_
pRr hf]lvdo'Qm bfjL
:6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ / cGo k'hLut pks/0fdf ePsf] nufgL
:6s PS;r]Ghdf ;"rLs[t gePsf] sDkgLsf] z]o/ / cGo k'hLut pks/0fdf
ePsf] nufgL
cGo ;DklQ
39,59,500
1,80,79,952
5,59,000
2,98,999
10,74,53,927
cGo a}+sdf
/x]sf] lgIf]k
cfkm\gf] a}+sdf
/x]sf] lgIf]k
;'g
22,72,014
(CRM)
cGo b]zsf]
;/sf/sf]
hdfgt
hDdf
?k}ofdf
39,59,500
1,80,79,952
5,59,000
2,98,999
10,97,25,941
ljb]zL a}+ssf]
hdfgt tyf
;'/If0f
cg';"rL $=#)-u_
41
6,75,52,012
1,61,98,200
6,78,49,978
1,43,70,932
4,08,000
1,45,28,874
cGo a}+sdf
/x]sf] lgIf]k
;'g
ckm\gf] a}+sdf
/x]sf] lgIf]k
(CRM)
cGo b]zsf]
;/sf/sf]
hdfgt
6,75,52,012
1,61,98,200
6,78,49,978
1,43,70,932
4,08,000
1,45,28,874
hDdf
?kf}ofdf
;~rfng hf]lvd
cg';"rL $=#)-3_
@)^^^&
@)^%^^
@)^$^%
ahf/ hf]lvd
ljb]zL d'b|fsf]
v'b cj:yf
-lj=d"_
-1,800_
-640_
-2,43,128_
-19,941_
23,937
-1,000_
-1,89,18,435_
-2,54,434_
AED
AUD
CAD
CHF
CNY
DKK
EUR
GBP
HKD
INR
JPY
KRW
MYR
-600_
NLG
NPR
QAR
-150_
SAR
-4,000_
SEK
SGD
THB
USD
-1,89,133_
v'b cj:yf -s
tf]lsPsf] k|ltzt -v_
ahf/ hf]lvdsf nflu cfjZos k'hL -u_ -sxv_
hf]lvd ef/ u'0ff -Reciprocal of Capital Requirement of 10%_ -3_
-!))!)_
ahf/ hf]lvdsf nflu hf]lvd efl/t /sd -_ -ux3_
42
5,88,08,623
10
58,80,86,230
cg';"rL $=#)-_
k}ofdf
ut jif{
k}ofdf
o; jif{
ljb]zL d'b|fsf]
v'b cj:yf
-lj=d"_
-34,011_
-48,435_
-32,83,444_
-20,12,154_
27,48,325
-9,085_
-3,02,83,684_
-2,29,372_
ljb]zL d'b|fsf]
v'b
cj:yf -g]=?=_
34,011
48,435
32,83,444
20,12,154
27,48,325
9,085
3,02,83,684
2,29,372
ut jif{
ljb]zL d'b|fsf]
;fGble{s v'b
cj:yf -g]=?=_
12,691
66,683
5,77,215
4,60,177
12,19,77,540
3,60,216
-14,112_
14,112
17,467
-2,915_
-75,520_
-1,34,62,332_
2,915
75,520
1,34,62,332
5,22,03,389
5
26,10,169
10
1,04,050
46,370
1,50,38,775
1,38,61,184
5
69,33,059
10
2,61,01,695
6,93,30,592
k|d'v ;"rsfx
cg';"rL $=#!
!=
@=
#=
$=
%=
^=
&=
*=
(=
!)=
!!=
!@=
!#=
!$=
!%=
!^=
!&=
!*=
!(=
@)=
@!=
@@=
ljj/0f
;"rsf
k|ltzt
?=
?=
cg'kft
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
k|ltzt
?=
;+Vof
;+Vof
cfly{s jif{
@)^@^#
@!=&@
%=*)
#^*
^#=$$
*=#)
$@=*(
%=)%
%=&(
!!=*^
!=)!
)=&(
(^=#)
!=($
@)^#^$
@&=!)
!)=&%
^()
^$=!*
&=*$
$#=$#
$=^$
*=^$
!^=#(
!=@!
)=(%
*%=&*
!=^#
!#=&!
!!=##
!=@%
!=!)
!$=(^
!@=$#
%=^&
%=^%
)=&*
)=#%
#=@$
#=@)
^$,(),$*,^@! *$,#(,$^,(#(
^!,)),)))
&@,(^,(&)
!$%
!*^
@)^$^%
#!=$!
!^=$%
!,!!#
^&=^^
@!=)%
!=)%
&=*%
$^=@&
$=$%
!@=@)
@!=^@
!=$&
!=!#
*(=&@
!=&(
@)^%^^
#%=!@
@)=&)
!,)^@
%!=#!
%=@^
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!,!$,%%,##,@@% !,#$,@@,(%,#@% !,(!,@#,#),$()
(!,#!,(^#
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!!=^#
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)=()
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!,^!,#%,@)%
#(#
43
cg';"rL $=#@
!= ;fdfGo hfgsf/LM
nIdL a}+s lnld6]8 g]kfnsf] Ps l;ldt bfloTj ePsf] sDkgL xf] . o;sf] /lhi68{ sfof{nosf] 7]ufgf xflQ;f/, sf7df08f}, g]kfn
/x]sf] 5 . o; a}+ssf] z]o/x? g]kfn :6s PS;r]~h lnld6]8df ;"lrs[t ul/Psf] 5 .
nIdL a}+sn] g]kfndf jfl0fHo a}+ls Joj;fo ;~rfng ul//x]sf] 5 . a}+ssf] ;+nUg ljQLo ljj/0fx? k|sfzghf/L ug{sf nflu
;~rfns ;ldlt4f/f kfl/t ul/Psf] xf] .
@= k|d'v n]vf lgltx?sf] ;f/f+zM
a}+ssf] ljQLo ljj/0fx? tof/ ug{ k|o'Qm n]vf gLltx? tn pNn]v ul/Psf] 5 . cGoyf Joj:yf ul/Psf]df afx]s oL gLltx? x/]s
jif{{sf] n]vf ljj/0f k|:t't ubf{ lgoldt ?kdf k|of]u ul/Psf] 5 .
#= cg'kfng ljj/0fM
cGoyf pNn]v ul/Psf]df jfx]s oL ljQLo ljj/0fx? g]kfn n]vfdfg jf]8{jf6 hf/L ul/Psf] g]kfn n]vfdfg -Nepal Accoun ng
Standard_, n]vfsf ;j{dfGo l;4fGtx? -Generally Accepted Accoun ng Principles_, a}+s tyf ljQLo ;+:yf ;DaGwL P]g,
g]kfn /fi6 a}+saf6 hf/L ul/Psf] lgb]{zg Pj+ sDkgL P]gn] lglb{i6 u/]sf] dfkb08sf] cwLgdf /xL tof/ ul/Psf] 5 .
$= tof/Lsf cfwf/M
ljQLo ljj/0fx? lgs6td\ ?k}ofdf kl/0ft ul/Psf] g]kfnL ?k}ofdf k|:t't ul/Psf] 5 . oL ljQLo ljj/0fx? P]ltxfl;s nfut
k4ltsf] cfwf/df tof/ ul/Psf] 5 . g]kfn n]vfdfg / n]vfsf ;j{dfGo l;4fGtx?;u d]n vfg] ljQLo ljj/0f tof/ ug{ s]xL
vf; n]vf cg'dfgx? ug{ / a}+ssf] n]vf gLltx? nfu' ug]{ k|s[ofdf Joj:yfkgf/f ljj]ssf] ;d]t k|of]u ug'{ h?/L x'G5 .
%= Jofh cfDbfgLM
cfonfO{ kfs]sf] cfwf/df cfDbfgL hgfpg kfpg] g]kfn n]vf dfgsf] l;4fGt -NAS 7 Revenue Accoun ng_ ljkl/t shf{ tyf
;fk6Laf6 k|fKt x'g] Jofh cfDbfgL g]kfn /fi6 a}+ssf] lgb]{zg adf]lhd gub k|fKtLsf] cfwf/df n]vfg ul/Psf] 5 . a}+sn] g]kfn
/fi6 a}+ssf] lgb]{lzsf adf]lhd cfTd;ft u/]sf] of] cEof; cem a9L k/Dk/fjfbL /x]sf] 5 .
nufgLaf6 cflh{t Jofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vfg ul/Psf] 5 .
^= sldzg cfDbfgLM
;a} k|sf/sf sldzg cfox? kfs]sf] cfwf/df n]vfg ul/Psf] 5 . tyflk s'g} sldzg cfo !@ dlxgf eGbf sd cjlwsf]
sf/f]jf/af6 ePsf] /x]5 / sldzg cfo ?= ! nfv eGbf sd /x]5 eg] To:tf] cfDbfgLnfO{ ;DjGwLt cfly{s jif{df g} n]vfg
ug]{ a}+ssf] gLlt /x]sf] 5 .
&= nfef+z cfDbfgLM
z]o/ nufgLsf] nfef+znfO{ nfef+z k|fKt x'g] clwsf/ :yflkt eP kl5 cfDbfgLdf ;dfj]z ul/Psf] 5 . jf]gz z]o/ k|fKt x'bf
nfut d"No kl/jt{g gu/L z]o/ ;+Vof dfq a[l4 ul/Psf] 5 .
*= ljb]zL ljlgdo sf/f]jf/x?M
ljb]zL d'b|fdf /x]sf] ;DklQ tyf bfloTjnfO{ jf;nftsf] ldltdf ljBdfg vl/b tyf laqmLsf] dWo b/n] lx;fj u/L g]kfnL ?k}+ofdf
?kfGt/0f ul/Psf] 5 .
ljb]zL ljlgdosf] vl/b tyf ljqmLaf6 ePsf] cfDbfgLnfO{ b}lgs ?kdf u0fgf u/L ;6xL 36j9 cfDbfgL cGt{ut cg';'rL $=@@
df b]vfOPsf] 5 .
ljleGg ljb]zL ljlgdosf] vl/b / laqmL b/df ePsf] 36j9sf] sf/0fn] k|fKt ePsf] nfegf]S;fgLnfO{ b}lgs ?kdf u0fgf u/L
ljb]zL d'b|fsf] k'g{d"Nof+sgaf6 x'g] gfkmfdf b]vfOPsf] 5 . To:tf] k'g{d"Nof+sgaf6 ePsf] gfkmfsf] @% k|ltzt /sd g]kfn /fi6
a}+ssf] lgb]{lzsf d'tfljs gfkmf gf]S;fg af8f8 lx;fj dfkm{t ;6xL 36a9 sf]ifdf ljlgof]lht ul/Psf] 5 .
(= Jofh vr{M
lgIf]k bfloTj Pj+ a}+sn] lnPsf] ;fk6Ldf ltg'{kg]{ Jofh kfs]sf] cfwf/ -Accrual Basis_ df u0fgf ul/Psf] 5 .
!)= shf{ ;fk6 tyf ljn vl/b
shf{ ;fk6L, clwljsif{ / lan vl/bdf u|fxsx?nfO{ k|bfg ul/Psf k|ToIf shf{x? kb{5g\ . o; leq rfn'k"hL shf{, clwljsif{,
cfjlws shf{, pkef]Qmf shf{, ;KnfO{ kmfOgfG; tyf ljkGg ju{df k|jflxt shf{x? kb{5g\ . ;Dk"0f{ shf{nfO{ g]kfn /fi6 a}+ssf]
lgb]{lzsf cg'?k juL{s[t ul/Psf] 5 . shf{ ;fk6, clwljsif{ tyf lan vl/bdf shf{ gf]S;fgL Joj:yf afktsf] /sd 36fO{ v'b
afsL /sd jf;nftdf b]vfOPsf] 5 .
u|fxsx?n] e'QmfgL u/]sf] /sd klxn] Jofh c;'nLdf / afsL /x]df ;f+jf c;'nLdf k|of]u ul/g] 5 .
44
!*=
!(=
@)=
@!=
@@=
@#=
@$=
46
cg';"rL $=##
@=
#=
$=
%=
^=
&=
*=
(=
!)=
!!=
s=
v=
u=
3=
!@=
k|d'v Joj:yfklso sd{rf/Lx?nfO{ -k|d'v sfo{sf/L clws[t, sDkgL ;lrj / cGo ;j} k|jGws txsf sd{rf/Lx? ;d]t_ 5f]6f]
48
cjlwsf] sd{rf/L ;'ljwf cGtu{t cf=j= @)!))!! df hDdf ?=%,#^,$@,&%# e'QmfgL u/]sf] 5 . o;sf cltl/Qm pgLx?n]
a}+ssf] sd{rf/L ;]jf ljlgodfjnL / sd{rf/L ;]jf / zt{x? cg';f/ cGo ;'ljwfx? klg kfpg] 5g\ .
;]jf cjlw kZrftsf], nfdf] cjlwsf] jf z]o/sf] cfwf/df sd{rf/Lx?nfO{ e'QmfgLsf] Joj:yf ul/Psf] 5}g . a}+ssf] sd{rf/L ;]jf
ljlgodfjnLdf Joj:yf u/] cg';f/ sd{rf/Lx?n] ;'ljwf cGtu{t pkbfg kfpg] Joj:yf 5 .
o; cfly{s jif{{df ;~rfns ;ldltsf ;b:ox?;usf] sf/f]jf/M
a}+7s eQfM
?=*,#),)))
?=@,$!,%)*
hDdf /sd # dlxgf ;Dd # dlxgf b]lv ( ( dlxgf b]lv ! ! jif{ b]lv # # jif{ eGbf a9L
dlxgf ;Dd
jif{ ;Dd
jif{ ;Dd
zfvf lx;fa ldnfg
@^
Ph]G;L vftfx?
*&,(!,^&
*$,$^,^!
@,%@,)(
!(,&#
&@,(&
o;df 8]lj6 / qm]l86 cGt/x? ;j} hf]l8Psf 5g\ . dfly b]vfOPsf km/sx? klxrfg eO;s]sf 5g\ / cfjZostf cg';f/ ;dfof]hg
ul/ ;lsPsf]ug{] qmddf /x]sf 5g\ .
!%= lnhM
ljQ lnhM
a}+s s'g} klg ljQ lnhdf ;dfj]z ePsf] 5}g / a}+ssf] ljQ lnh ;DaGwL s'g} k|sf/sf] bfloTj 5}g .
;~rfng lnhM
a}+sn] zfvf clkm; / zfvf eGbf aflx/ ATM :yfkgfsf] nflu ljleGg ;dodf kf ;Demf}tf u/]sf] 5, h'g ;DaGwLt kIf;u
s/f/;Demf}tfdf pNn]v ePsf zt{x? cg';f/ ;"rgf lbP/ e+u ug{ ;lsG5 . a}+sn] eljiodf vf/]h ug{ g;lsg] ;~rfng kfsf]
cfwf/df Go"gtd\ kf e'QmfgLx? ug'{kg]{ 5}g / vf/]h gx'g] ;~rfng kf cGtu{t s'g} ef8f vr{ 5}g .
!^= shf{ tyf ;fk6L k|jfx, c;'nL tyf ;f+jf Jofh ckn]vgsf] ;f/f+zM
? xhf/df
ljj/0f
shf{ k|jfx
shf{ c;'nL
shf{ ckn]vg
Jofh ckn]vg
!&= lgIf]k bfloTjdf kl/jt{gsf] ;f/f+zM
/sd
$@,$(,@%,^#
$!,*#,($,(^
)
)
? xhf/df
ljj/0f
sn l8kf]lh6
rNtL lgIf]k
d'2tL lgIf]k
ut jif{ #@#@)^&
-!^&@)!)_
%,$%,%$,#^
*!,((,^!
&,*@,!$,%*
/s
-&*,!^,!@_
-&,)$,!!_
!,^#,@!,!)
$,^&,#*,@#
&$,(%,$(
(,$%,#%,^*
49
art lgIf]k
dflh{g / cGo lgIf]k
#,^*,$(,!^
#),!!,*&
-$^,(!,(#_
-(,$@,@$_
#,@!,%&,@@
@),^(,^#
?= xhf/df
;Defljt bfloTj
$,(&,(*,^(
$#,$$,*%
*=&@
?= nfvdf
;DklQ
!& lbg
*#)
lbg
#!()
lbg
(!!*)
lbg
!*!@&)
lbg
@&!#^%
lbg
! jif{ eGbf
dfly
hDdf /sd
!= gub df}Hbft
#%,%$
#%,%$
@= a}+s df}Hbft
@,)),!@
@,)),!@
$!,%&
$!,%&
!(,()
!,)!,*(
$$,))
&,#&
@@,!)
!,(%,@^
!&!
!,&!
!$,@$
*%,$$
%,*#,^^
!%,#*,(%
&!,@)
!,!!,)%
!,#$,#@
@,%*,@!
!,&^,&&
!,#(,%!
!,#%,$@
#,*(
!@,&*
##,#$
%),)@
%),)@
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@,)),)^
#,(@,!* !,^&,))
$,^$,^%
@,&),&*
!,(^,*(
@,)&,%$
%,((,^!
@@,(*,^%
!#= cGo
s'n ;DklQ
bfloTj
!$= rNtL lgIf]k
@(,(*
#,&%
#,&%
#,&%
#,&%
#,&%
@^,@#
&$,(%
#@
^$
^$
#,@@
$,*@
^,$#
#,)%,$(
#,@!,%&
^*,(*
!,*(,)^
@,@$,(^
!,$!,^&
@,!^,#$
!,)$,#*
(,$%,$)
!&= j08
#%,))
#%,))
50
dfu5f]6f] ;"rgf
k'gMnufgL
cGo
!,*^,(%
@#,#&
@#,#&
@#,#&
@#,#&
@#,#&
!,^#,%*
$,^&,#*
$,!#
$,!#
!,^*
%,%@
!$,$)
@!,^!
@!,^!
@!,^!
*^,$@
s'n bfloTj
@,@#,)^ !,)@,@&
@,#!,@@
@,&^,()
!,(%,@@
@,&!,%)
^,#$,^(
!(,#$,*^
!,^(,!!
^$,&$
@,##,$#
-^,!@_
!,^&
-^#,(^_
-#%,)*_
#,^#,*)
!,^(,!! @,##,*%
$,^&,@*
$,^!,!&
$,^@,*$
#,(*,**
#,^#,*)
&,@&,%(
!*= ;fk6L
!(= sn vftf
@)= cGo bfloTj / Joj:yfkg
Sundry Creditors
;+Vof
%*$
)
%@#
**#
@*
!#
()
($(
%!$
^
!!@
*%@
!
@&(
$*#$
;f+jf
%(&
)
##%&*
##!*#
!!$%
##^
*@$@
@%@^$
#$$$$
#(*
^)&$
$(,(*
!#$^
$@*(
!%#*(%
?=nfvdf
Jofh
@
)
@$
@)*
)
)
!$
!^
%*
@
@#
!^
)
&
#,&@
51
rfn' jif{sf] yk
%,!&,&))
@#= lnh xf]N8 ;DkQL ckn]vgsf] ljj/0f M
o; jif{sf] yk36
@,)!,##,$!%
ljQLo ljj/0f cg';f/sf] gfkmf s/ of]Uo gfkmf ;+u ldnfO{ b]xfo adf]lhd s/ bfloTj lgwf{/0f ul/Psf] 5M
?= xhf/df
ljj/0f
gfkmf gf]S;fg vftf adf]lhd s/ cuf8Lsf] gfkmf
ykM ;dfof]hg
cg';"rL @$ adf]lhd x|f; vr{ 36fO{ 5'} b]vfO{Psf]
vr{ n]lvPsf] pks/0f / kmlg{r/ 5'} 36fO{Psf]
lnhxf]N8 kl/zf]wg 5'} 36fO{Psf]
;km\6j]o/ kl/zf]wg 5'} 36fO{Psf]
cfos/ P]g adf]lhd yk]sf] dd{t / ;Def/
36fpM ;dfof]hg
cfos/ P]g adf]lhd 36fO{Psf] x|f; vr{
l:y/ ;DkQL ljqmLsf] gfkmf 5'} b]vfO{Psf]
cfos/ P]g @)%* adf]lhd s/ of]Uo gfkmf
skf]{/]6 cfo s/ -#) k|ltztsf b/n]_
/sd
%#,($,)*
#,#^,^%
!&,$%
!,)$,!#
@@,*!
!#,&(
-%,)!,*^_
-$,#@_
%#,*@,&#
!^,!$,*@
53
54
!
@
#
qm=;+=
shf{ lnPsf]
cGo a}+sljQLo
;+:yfsf] gfd
!*,$$,%)!
#,%*,^&!
!,#@,#$,%@#
shf{ /sd
shf{ ljj/0f
#$,!*%
!$,$))
!,%),)))
s}lot
?k}ofdf
cg';"rL $=#$
;+:yfks;+:yfks ;d"xsf z]o/wgLn] cfgf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{
lnPsf] ljj/0f
cg';"rL $=#%
n]vfk/LIf0f
ePsf]
ljQLo glthf
21,75,73,78,091
1,6,135,20,500
21,55,98,91,394
1,69,41,96,525
-19,74,86,697_
8,06,76,025
!=@
!=#
!=$
!=%
s
v
!=^
67,68,79,494
35,00,00,000
18,29,96,27,620
16,94,50,31,578
1,35,45,96,042
41,91,80,198
35,00,00,000
18,29,96,27,620
16,94,74,75,388
1,35,21,52,232
46,78,074
-25,76,99,296_
46,78,074
!=&
2=
2=1
2=2
2=3
cGo bfloTj
s"n ;DklQ -2=1 b]lv 2=7 ;Dd_
gub tyf a}+s df}Hbft
dfu tyf cNk;"rgfdf k|fKt x'g] /sd
nufgL
81,73,50,477
21,75,73,78,091
2,77,45,92,316
5,00,00,000
3,05,16,08,798
79,22,08,976
21,55,98,91,393
2,77,45,92,316
5,00,00,000
3,04,14,21,767
-2,51,41,501_
-19,74,86,699_
-0_
-1,01,87,031_
2=4
15,38,94,72,436
15,19,98,47,906
-18,96,24,530_
qm=;+=
!=
!=!
ljj/0f
/s
/ssf] sf/0f
/sd
2=5
2=6
2=7
3.
3=1
3=2
s
3=3
3=4
3=5
v
3=6
3=7
u
3=8
#
3=9
3=10
l:y/ ;DklQ
u}/ a}ls ;DklQ
cGo ;DklQx
gfkmf gf]S;fg lx;fa
Aofh cfDbfgL
Jofh vr{
v"b Jofh cfDbfgL -3=13=2_
L, sldzg tyf l8:sfp06
cGo ;~rfng cfDbfgL
;^xL #^a( cfDbfgL
s"n ;+rfng cfDbfgL -s#=##=$#=%_
sd{rf/L vr{
cGo ;+rfng vr{
;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng -v#=^3=&_
;Defljt gf]S;fgL Joj:yfx
;+rfng d"gfkmf -u3=8_
u}/ ;+rfng cfDbfgL-gf]S;fg_-v"b_
;Defljt gf]S;fgL Joj:yfaf6 lkmtf{
35,23,38,244
13,93,66,297
35,23,38,243
14,16,91,161
-0_
23,24,863
2,23,33,32,791
1,50,38,51,025
72,94,81,766
6,77,95,886
6,95,14,877
6,31,27,874
92,99,20,403
15,76,62,248
16,92,94,370
60,29,63,785
1,36,22,293
589,341,492
8,73,687
7,85,868
2,23,33,32,791
1,50,38,51,025
72,94,81,766
6,77,95,886
6,95,14,877
6,31,27,874
92,99,20,403
15,76,62,248
16,92,94,370
60,29,63,785
1,36,34,832
58,93,28,953
8,73,687
7,98,406
12,538
-12,538_
12,538
3=11
r
3=12
59,10,01,047
23,48,347
59,33,49,394
5,39,40,854
59,10,01,046
23,48,347
59,33,49,393
5,39,40,854
-1_
-1_
-0_
3=13
cfos/ Joj:yf
16,18,22,556
16,14,82,469
-3,40,087_
:yug s/ vr{-cfDbfgL_
v"b gff-gf]S;fg_ -r3=123=13_
37,75,85,986
27,80,975
37,51,45,095
27,80,975
-24,40,891_
1
k|:tfljt af]g; z]o/
0
2 Joj:yfx?sf] ;dfof]hg
;dfof]hg
gf]S;fgL
Joj:yfx?;y
55
qm=;+=
!=
!=!
!=@
!=#
!=$
!=%
!=^
!=&
@=
@=!
@=@
@=#
@=$
ljj/0f
s'n k'hL tyf bflotj -!=! b]lv !=& ;Dd_
r'Qmf k'hL
hu]8f tyf sf]ifx?
C0fkq tyf a08x?
;fk6L
lgIf]kx -sv_
s= :jb]zL d'b|fdf
v= cfos/ bfloTj
cGo bfloTjx?
cGo ;DklQx?
s'n ;DklQ -@=! b]lv @=& ;Dd_
gub tyf a}+s df}Hbft
dfu tyf cNk;"rgfdf k|fKt x'g] /sd
nufgL
shf{ tyf ;fk6
s= l/on :6]6 shf{
!= cfaZos l/on :6]6 shf{
@= Jofj;flos ejg tyf cfjfl;o ckf6{d]G6 lgdf{0f shf{
#= lgdf{0f ;DkGg eO cfo cfh{g ug{ yfn]sf] Joj;flos shf{
$= cGo l/on :6]6 shf{
@=%
@=^
@=&
#=
#=!
#=@
s=
#=#
#=$
#=%
v=
#=^
#=&
u=
#=*
3=
#=(
#=!)
=
#=!!
r=
#=!@
#=!#
5=
$=
$=!
$=@
$=#
$=$
$=%
56
v= 3/ shf{
u= dflh{g shf{
3= 6d{ nf]g
= cf]e/ 8fkm\6l6cf/ nf]g8An' l; nf]g
r= cGo
l:y/ ;DklQ
u}/ a}+ls ;DklQ
cGo ;DklQx?
gff gf]S;fg lx;fa
Aofh cfDbfgL
Aofh vr{
v'b Aofh cfDbfgL -#=!#=@_
L sldzg tyf l8:sfp06
cGo ;~rfng cfDbfgL
;6xL 36a9 cfDbfgL
s'n ;~rfng cfDbfgL -s#=##=$#=%_
sd{rf/L vr{
cGo ;~rfng vr{
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gff -v#=^#=&_
;Defljt gf]S;fgL Joj:yfx?
;~rfng d'gff -u#=*_
u}/ ;~rfng cfDbfgL-gf]S;fg_ -v'b_
;Defljt gf]S;fgL Joj:yfaf6 ltf{
lgoldt sf/f]af/x?af6 ePsf] d'gff-vr{_ -3#=(#=!)_
c;dfGo sf/f]af/x?af6 ePsf] d'gff-vr{_ -v'b_
af]g; tyf s/ cl3sf] d'gff -#=!!_
sd{rf/L af]g; Joj:yf
cfos/ Joj:yf
v'b gff-gf]S;fg_ -r#=!@#=!#_
cg'kftx? -_
k'hLsf]ifhf]lvd efl/t /sd
lgliqmo shf{s'n k'hf{
s'n shf{ jfkt hf]lvd Joj:yfs'n lgliqmo shf{
Net Interest Spread -$=^$=&_
CD ration (Calculated as per NRB Directives)_
o; jif{ -rf}yf]
q}df;df_ #@ cfiff9 @)^*
!^ h'nfO{ @)!!
21,75,73,78
1,61,35,21
67,68,79
35,00,00
18,29,96,28
16,94,50,32
1,35,45,96
81,73,50
21,75,73,78
2,77,45,92
5,00,00
3,05,16,09
15,38,94,72
3,46,61,41
48,48,59
1,40,50,28
75,40,89
82,21,64
57,71,84
14,95,69
2,66,63,42
6,78,71,22
1,74,31,15
35,23,38
13,93,66
o; jif{ -rf}yf] q}df;df_
2,23,33,33
1,50,38,51
72,94,82
6,77,96
6,95,15
6,31,28
92,99,20
15,76,62
16,92,94
60,29,64
1,36,22
58,93,41
8,74
7,86
59,10,01
23,48
59,33,49
5,39,41
16,18,23
37,75,86
o; jif{ -rf}yf] q}df;df_
13.21%
0.90%
136.58%
2.71%
80.21%
cg';"rL $=
?= xhf/df
ut jif{ -rf}yf] q}df;df_
#@ cfiff9 @)^&
!^ h'nfO{ @)!)
21,13,87,32
1,61,35,21
50,90,42
35,00,00
10,00,00
18,08,29,58
15,95,16,33
2,13,13,25
28,02
48,04,11
21,13,87,32
1,84,07,04
90,43,77
3,19,70,93
14,73,64,05
3,66,47,33
31,84,77
1,75,19,85
74,39,35
85,03,35
53,97,34
22,87,97
2,15,73,36
6,63,40,39
1,51,17,65
28,23,49
17,78,04
ut jif{ -rf}yf] q}df;df_
1,78,76,93
1,13,56,10
65,20,83
4,68,67
6,00,32
4,75,63
80,65,45
12,24,06
14,21,69
54,19,70
2,87,67
51,32,03
13,25
36,45
5,18,173
(43,66)
51,38,07
4,67,10
14,14,41
32,56,56
ut jif{ -rf}yf] q}df;df_
14.99%
0.12%
996.13%
2.69%
82.66%
PsLs[t jf;nft
#@ cfiff9 @)^* -!^ h'nfO{ @)!!_
k'hL / bfloTj
!=
@=
#=
$=
%=
^=
&=
*=
(=
o; jif{ ?=
z]o/ k'hL
hu]8f tyf sf]ifx
C0fkq tyf a08
ltg{ afsL shf{ ;fk6L
lgIf]k bfloTj
e'QmfgL lbg'kg]{ lanx
k|:tfljt tyf e'QmfgL lbg afsL nfef+z
cfos/ bfloTj -v'b_
cGo bfloTj
s'n k'hL / bfloTj
!,^(,$!,(^,%@%
!,^!,#%,@),%))
$@,)%,(!,)%#
@(,*^,^@,@#$
#%,)),)),)))
#%,)),)),)))
!),)),)),)))
!*,@#,($,(),(&% !*,)*,@(,%&,(**
#),@!,)),)#(
%@,^@,()@
!&,$),(*,*^@
@),(&,%&,^^%
$!,^*,*#!
@*,)!,%&*
#!,^$,(%,*)%
@*,(!,#*,(#%
@!,%),!!,$@,)() @),(%,@!,)!,*)@
;DklQ
!=
@=
#=
$=
%=
^=
&=
*=
(=
o; jif{ ?=
gub df}Hbft
g]kfn /fi6 a}+sdf /x]sf] df}Hbft
a}+sljQLo ;+:yfdf /x]sf] df}Hbft
dfu tyf cNk ;"rgfdf k|fKt x'g] /sd
nufgL
shf{, ;fk6 tyf lan vl/b
l:y/ ;DklQ
u}/ a}ls ;DklQ -v'b_
cGo ;DklQ
s'n ;DklQ
ut jif{ ?=
#%,^^,^(,@#^
@$,$@,)%,)(!
!,*^,^$,(),&)&
!,@!,(&,!^,&!^
%%,^(,$),@&*
#&,^&,*@,$#@
%,)),)),)))
(),$#,&&,)*^
@,(&,!$,@!,&^& #,!*,^(,)%,*($
!%,!(,(*,$&,()% !$,%^,)!,)(,%**
#%,&%,$^,@*)
@*,@#,$(,!@^
!$,@@,@%,(!&
!&,&^,%%,*^(
@!,%),!!,$@,)() @),(%,@!,)!,*)@
;'dg hf]zL
cWoIf
ut jif{ ?=
zzL ;Tofn
k|f]k|fO6/
lgldQ
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
57
! >fj0f @)^& b]lv #@ cfiff9 @)^* -!& h'nfO{ @)!) b]lv !^ h'nfO{ @)!! ;Dd_
ljj/0f
!= Aofh cfDbfgL
@= Aofh vr{
v'b Aofh cfDbfgL
#= sldzg tyf l8:sfp06
$= cGo ;~rfng cfDbfgL
%= ;6xL 36a9 cfDbfgL
s'n ;~rfng cfDbfgL
^= sd{rf/L vr{
&= cGo ;~rfng vr{
*= ;6xL 36a9 gf]S;fg
;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf
(= ;Defljt gf]S;fgL Joj:yfx?
;~rfng d'gfkmf
!)= u}/ ;~rfng cfDbfgL-gf]S;fg_
!!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{
lgoldt sf/f]jf/af6 ePsf] d'gfkmf
!@= c;fdfGo sf/f]jf/x?af6 ePsf] d'gfkmf-vr{_
;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf
!#= sd{rf/L af]g; Joj:yf
!$= cfos/ Joj:yf
o; jif{sf]
ut jif{sf]
:yug s/ vr{-cfDbfgL_
v'b gfkmf-gf]S;fg_
o; jif{ ?=
2,23,68,77,702
1,50,26,39,225
73,42,38,477
6,78,52,136
6,95,14,877
6,31,27,874
93,47,33,364
15,83,85,935
17,10,84,847
60,52,62,582
1,36,34,832
59,16,27,750
8,73,687
7,98,406
59,32,99,843
23,48,347
59,56,48,190
5,41,49,835
16,19,29,162
28,65,487
37,67,03,706
;'dg hf]zL
/fh]Gb|s'df/ v]tfg
cWoIf
ut jif{ ?=
1,78,76,92,540
1,13,56,09,890
65,20,82,650
4,68,66,912
6,00,31,631
4,75,63,308
80,65,44,501
12,24,05,630
14,22,44,338
54,18,94,533
2,87,66,525
51,31,28,008
13,25,486
36,44,550
51,80,98,044
-43,66,416_
51,37,31,628
4,67,09,703
14,14,41,317
-13,81,327_
32,69,61,935
zzL ;Tofn
k|f]k|fO6/
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
! >fj0f @)^& b]lv #@ cfiff9 @)^* -!& h'nfO{ @)!) b]lv !^ h'nfO{ @)!! ;Dd_
ljj/0f
cfDbfgL
!= ut jif{;Ddsf] ;l~rt d'gfkmf
@= o; jif{sf] d'gfkmf
#= ;6xL 36a9 sf]if
$= k'hL ;dfof]hg sf]ifaf6 /sdfGt/
%= ;l~rt d'gffdf ;dfof]hg
hDdf
vr{
!= ut jif{;Ddsf] ;l~rt gf]S;fg
@= o; jif{sf] gf]S;fg
#= ;fwf/0f hu]8f sf]if
$= e}k/L cfpg] hu]8f
%= ;+:yf ljsf; sf]if
^= nfef+z ;dLs/0f sf]if
&= sd{rf/L ;DaGwL hu]8fx
*= k|:tfljt nfef+z
(= k|:tfljt af]g; z]o/
!)= ljz]if hu]8f sf]if
!!= ;6xL 36a9 sf]if
!@= k'hL lkmtf{ hu]8f sf]if
!#= k'hL ;dfof]hg sf]if
!$= nufgL ;dfof]hg sf]if
!%= ;dfof]hg
:yug s/ bfloTj
:yug s/ sf]if
hDdf
!^= ;l~rt d'gff-gf]S;fg_
;'dg hf]zL
/fh]Gb|s'df/ v]tfg
cWoIf
o; jif{ ?=
ut jif{ ?=
!,^*,($,#&*
#&,^&,)#,&)%
#(,#%,(*,)*#
@,!!,(&,*%*
#@,^(,^!,(#%
!,(@,)*(
#$,*#,%!,**!
&,%),@(,)!(
!&,$),(*,*^@
*,)^,&^,)@%
!&,!^,@!)
%,)),)),)))
!*,((,%#)
-@%,)^,$(%_
#*,)(,!#,!%!
!,@^,*$,(#@
^,%$,)&,$)*
@),(&,%&,^^%
##,&),$#&
%,)),)),)))
!%,$),^^&
!#,*!,#@&
##,!$,%&,%)$
!,^*,($,#&*
zzL ;Tofn
k|f]k|fO6/
lgldQ
zzL ;Tofn P08 sDkgL
rf6{8{ Psfp06]06;\
59
ljj/0f
-s_ sf/f]jf/ ;~rfngaf6 gub k|jfx
!= gub k|flKt
!=! Aofh cfDbfgL
!=@ sldzg tyf l8:sfp06 cfDbfgL
!=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL
!=$ ckn]lvt shf{sf] c;"nL
!=% cGo cfDbfgL
@= gub e'QmfgL
@=! Aofh vr{
@=@ sd{rf/L vr{
@=# sfof{no ;~rfng vr{
@=$ cfos/ e'QmfgL
@=% cGo vr{
sfo{ut k'hL -Working Capital_ ultljlw cl3sf] gub k|jfx
;~rfng ;DalGw rfn' ;DklQdf sdL-j[l4_
!= dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL-j[l4_
@= cGo cNksfnLg nufgLdf sdL-j[l4_
#= shf{ tyf lan v/Lbdf sdL-jl[4_
$= cGo ;DklQdf sdL-j[l4_
;~rfng ;DalGw rfn' bfloTjdf -sdL_j[l4
!= lgIf]k bfloTjdf -sdL_j[l4
@= ;l6{lkms]6 ckm l8kf]lh6df -sdL_j[l4
#= cNksfnLg ;fk6Ldf -sdL_j[l4
$= cGo bfloTjdf -sdL_j[l4
-v_
nufgL sf/f]jf/af6 gub k|jfx
!= bL3{sfnLg nufgLdf sdL-j[l4_
@= :yL/ ;DklQdf sdL-j[l4_
#= bL3{sfnLg nufgLdf Aofh cfDbfgL
$= nfef+z cfDbfgL
%= cGo
-u_ ljQLo sf/f]jf/af6 gub k|jfx
!= bL3{sfnLg C0f -a08, l8j]Gr/ cflb_ df j[l4-sdL_
@= z]o/ k'hL tyf z]o/ lk|ldoddf j[l4-sdL_
#= cGo bfloTjdf j[l4-sdL_
$= g]kfn /fi6 a}+saf6 k|fKt ;x'lnotk"g/shf{df j[l4-sdL_
-3_ gub tyf a}+s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL -vr{_
-_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx
-r_ gub tyf a}+sdf /x]sf] z'? df}Hbft
-5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft
60
o; jif{ ?=
ut jif{ ?=
1,15,01,15,110
(37,49,70,993)
2,50,61,63,221 1,88,80,43,224
2,29,25,80,706 1,72,88,15,089
7,96,91,496
4,83,10,617
6,31,27,874
4,75,63,308
8,07,000
32,58,695
6,99,56,145
6,00,95,515
2,00,01,44,957 1,45,61,87,297
1,51,38,32,927 1,05,97,88,935
20,50,95,639
14,90,01,140
12,16,10,418
10,37,56,205
15,96,05,973
14,36,41,018
50,60,18,264
43,18,55,927
42,36,37,900 (2,49,92,78,455)
85,43,77,086 (49,86,77,086)
24,69,84,127
(70,37,54,733)
(65,30,66,943) (1,28,07,54,083)
(2,46,56,370)
(1,60,92,553)
22,04,58,945
1,69,24,51,536
21,66,69,632 2,03,16,54,892
(10,00,00,000) (35,00,00,000)
10,37,89,313
1,07,96,644
(15,05,82,482)
(6,87,42,446)
(3,15,00,000)
(11,90,82,482)
(6,89,74,244)
2,31,799
8,06,76,025
45,16,39,954
8,06,76,025
45,16,39,954
1,08,02,08,653
79,26,516
1,84,07,04,239
1,83,27,77,723
2,92,09,12,892 1,84,07,04,239
61
-17,40,98,862_
gub nfef+;
clGtd df}Hbft
1,69,41,96,525
1,26,84,932
-25,06,495_
:yug s/ sf]i
-5,00,00,000_
-18,99,530_
-17,16,210_
-8,06,76,025_
z]o/ lk|ldod
8,06,76,025
-7,50,29,019_
37,67,03,705
23,00,25,003
7,50,29,019
1,68,94,378 15,49,95,984
;fwf/0f hu]8f
sf]if
1,68,94,378 15,49,95,984
;l~rt gff
-gf]S;fg_
1,61,35,20,500
1,61,35,20,500
z]o/ k'hL
s'n df}Hbft
;dfof]hg M
z'? df}Hbft
ljj/0f
34,40,197
18,99,530
15,40,667
15,40,667
nufgL
;dfof]hg
sf]if
1,30,71,581
1,30,71,581
1,30,71,581
z]o/
lk|ldod
-cf= j= @)^&^*_
l8j]Gr/ ltf{
sf]if
25,06,495
25,06,495
:yug s/
sf]if
-0_
-25,06,495_
5,00,00,000
1,13,69,339 15,00,00,000
17,16,210
96,53,130 10,00,00,000
96,53,130 10,00,00,000
;6xL 36a9
sf]if
cGo
;l~rt tyf
sf]if
2,11,47,87,578
8,06,76,025
-17,40,98,862_
-8,06,76,025_
37,67,03,705
1,91,21,82,735
1,91,21,82,735
s'n /sd
?k}ofdf
;fdfGo hfgsf/LM
s_
v_
@=
#=
$=
s_
62
a}+s
%,($,)*
#,#^,^%
!&,$%
;xfos
@),()
@,$)
^)
/sd ? xhf/df
;d"x
%$,!$,(*
#,#(,)%
!*,)%
!,)$,!#
@@,*!
!#,&(
-%,)!,*^_
-$,#@_
%#,*@,&#
!^,!$,*@
#%
-^,#*_
!&,*&
$,$&
!,)$,!#
@@,*!
!#,&(
#%
-%,)*,@$_
-$,#@_
%$,)),^)
!^,!(,@(
63
80,676
230,025
11,274
Share Premium
13,072
Core Capital
150,000
2,098,567
In NPR 000
200,000
152,938
11,369
3,440
Supplementary Capital
1,613,520
Retained Earnings
Debenture Redemption Reserve
In NPR 000
367,747
Detailed information about the Subordinated Term Debts with information on the outstanding
amount, maturity, amount raised during the year and amount eligible to be reckoned as capital
funds.
8.5% Laxmi Bank Debenture, 2072
-
64
Outstanding Amount
Maturity
Amount raised during the year
Amount eligible for Tier 2 capital fund
(net of Redemption Reserve)
In NPR 000
9,740
126,082
447
Total
136,269
Tier 1 Capital
2,098,567
Tier 2 Capital
367,747
Deductions
(136,269)
2,330,045
In NPR 000
11.63%
Summary of the banks internal approach to assess the adequacy of its capital to support current
and future activities, if applicable;
The banks capital management strategy is designed to maximize shareholders value. The bank is
adequately capitalized not only to comply with individual capital ratios prescribed by Nepal Rastra
Bank but also to fund growth of our assets and operations, absorb potential losses and maintain the
confidence of all the stakeholders.
Summary of the terms, conditions and main features of all capital instruments, especially in case
of subordinated term debts including hybrid capital instruments.
Main features of the Subordinated debt 8.5% Laxmi Bank Debenture 2072:
Name
Amount
Interest Rate
Type
No. of Debentures
Face Value
NPR 1,000.00
65
Maturity Period
7 Years
Priority
to At the time of liquidation, priority of payment to the debenture
Debenture Holders holders will be after the depositors
Listing
2. Risk exposures
Risk weighted exposures for Credit Risk, Market Risk and Operational Risk;
Particulars
In NPR 000
18,747,444
868,463
26,101
392,840
In NPR 000
a)
b)
136,526
c)
Claims on banks
862,607
d)
e)
f)
1,461,907
g)
2,825,028
h)
342,423
i)
617,634
j)
Other assets
472,219
k)
66
20,034,848
8,890,118
434,425
2,704,557
18,747,444
In NPR 000
18,747,444
868,463
26,101
392,840
20,034,848
2,330,045
11.63%
Substandard Loan
Gross
NPR 9,925
Net
NPR 7,444
Doubtful Loan
Gross
NPR 3,193
Net
NPR 1,596
Loss Loan
Gross
Net
NPR 13,182
NIL
NPA ratios
o
Previous Year
Restructured
101,121
11,416
112,538
Substandard
2,125
7,801
9,925
Doubtful
2,344
849
3,194
Loss
13,347
(164)
13,182
Total
118,937
19,902
138,839
67
Previous
Year
Addition/
(reduction) during
the year
loss
176,296
13,329
189,625
Interest Suspense
29,252
10,862
40,114
Loan
provision
NIL
NIL
Segregation of Investment portfolio into Held for trading, Held to maturity and Available for
sale category
Presented in the Financial Statement schedule 4.12.1, 4.12.2 and 4.12.3
top level commitment & development of risk framework through close alignment of risk
capabilities to business objectives
ensuring that responsibility for risk resides at all levels from the Board down through all
individual employees
continuous research and development of new and improved risk management processes and tools
supported by effective Management Information Systems
all businesses are accountable for managing risk in their own area, assisted, where appropriate, by
independent risk specialists
by embedding this approach to measure and understand key risks to ensure the viability of all
processes and transactions
In the past years we have continued to make significant progress in enhancing our risk management
capabilities including measuring and monitoring of risk activities that we undertake in our normal course
of business.
68
69
Market Risk
The banks foreign exchange risk stems from foreign exchange position taking and commercial dealing.
All foreign exchange positions are managed by the Treasury. Fluctuation in foreign exchange rates can
have a significant impact on a Bank's financial position. Laxmi Bank has adopted measures to
appropriately hedge the risks that arise while carrying out international trade transactions. Code of ethics
for treasury dealers is in place to ensure that professionalism and confidentiality are maintained and
ethical dealing practices observed. Our treasury dealers have gained exposure to international markets as
well in addition to having undergone appropriate trainings. The Bank has followed the structure of a
Treasury back office independent of Treasury dealing room functions.
Operational Risk
Operational risk is inherent in all business activities. Whilst risks can never be eliminated, at Laxmi Bank
we follow a number of procedures and practices like Business Continuity Plan, Whistle Blowing A
Culture of Speaking Up to manage and mitigate preserve and create value of our business.
We manage our operational risks through standardization of internal processes and monitoring
mechanisms. Data security, dual control, periodic departmental reviews are some of the tools that are used
to manage risks.
Compliance and Assurance / Operations Risk Unit
Recognizing the importance of Operations Risk in terms of managing day-to-day business, we have a full
fledged compliance and assurance team that reports to Chief Risk Officer.
Types of eligible credit risk mitigants used and the benefits availed under CRM.
o
70
Credit risk mitigants used are deposits and cash margin held with own bank and deposits
held with other banks and financial institutions.
a}+ssf] k|ltpQ/
o;df ePsf] s}lotx? ;'wf/ ul/;lsPsf] 5 .
71
l6kf]6
72
l6kf]6
73
Joj:yfkg
;'dg hf]zL
;'b]z vfln /fO{
cho ljqmd zfx
cldt zdf{
cg'k >]i7
alag/fh ;Tofn
e'jn /fO{
ljBf j:Goft
lbk]z cfdfTo
lhjg lnDa'
lgd{n bfxn
k"hf zfx
lko"if /fh cof{n
/flhj ;fksf]6f
;l~hj /fh hf]zL
;'d]b e/fO{
M
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!= ;GhLj l;+x
@= pHjn j}B
#= ;'lgtf /fgf
$= ;ljgf af:sf]6f
%= zDe' /f7L
^= lzz' hf]zL
&= dgf]x/ /fh pk|]tL
*= ;'dg u]nfn
(= /fh' e08f/L
!)= ef/tL kf08]
!!= cldt s'df/ s0f{
!@= /ljg >]i7
!#= lbks yfkf
!$= lbkf~hnL jhufO{
!%= k|eft sfsL{
!^= k|t]z s]= ;L=
!&= clege dfo'/ siff]wg
!*= o"8]g sf]O/fnf
!(= k'?iff]Qd k'8f;}gL
@)= ;/f]h s'df/ rf}w/L
@!= ;'df]b dfg ;}+h'
@@= cldt clwsf/L
@#= ;}n]Gb| /fh kf08]
@$= pHjn l3ld/]
@%= lgs]z l3ld/]
@^= lji0f'd0fL clwsf/L
@&= 6]Daf z]kf{
@*= clgz vgfn
@(= ;'jf; /fh ;'j]bL
#)= lj/fh k|wfg
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74
k|j]zkq
z]o/wgLsf] gfdM ========================================================================================= z]o/wgL g+= ============================
z]o/ k|df0fkq g+= =============================================
sDkgL ;lrj
75