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ကနသတ

11

16/ 2011 ckESpf? atmufwdkbmvwGif EdkifiHawmfrS EdkifiHjcm;aiGa&mif;0,fEdkifonfh Money

Changer License rsm; cGihfjyKcJh&m 24-10-2011 &ufaeYwGif EdkifiHjcm;aiG a&mif;0,fonhf Money

Changer License &&SdcJhygonf/ ,if;odkY Money Changer License &&SdNyD;aemuf atmufygtwdkif;

Money Changer Counter rsm; zGifhvSpfcJhygonf -

ae&m zGifhvSpfonfhaeY

(u) ausmufwHwm;bPf (&efukef) 24-10-2011

( c ) rlq,fbPfcGJ 6-12-2011

( * ) rEÅav;bPfcGJ 14-9-2012

(C) a'gykHbPfcGJi,f 7-5-2014

17/ xyfrHí A[dkbPfodkY jynfyEdkifiHrsm;ESihf EdkifiHjcm;bPfvkyfief;rsm; aqmif&GufEdkifonfh

EdkifiHjcm;aiGrsm; a&mif;0,fazgufum;onfh vkyfief;vdkifpif (Authorized Dealer License)udk

avQmufxm; cJh&m 17-8-2012 &ufaeYwGif A.D License &&SdcJhygonf/ ,cktcg EdkifiHjcm;bPfrsm;ESifh

qufoG,f&mwGif vG,fulacsmarGYNyD; ydkrdkvkHNcHKpdwfcs&rI&Sdap&ef SWIFT (Society for Worldwide Inter

Bank Financial Telecommunication)udk 5-1-2013 &ufaeYwGif cGifhjyKcsuf &&Sdatmif

aqmif&GufcJhjcif;? United Oversea Bank (UOB), Oversea Chinese Banking Corporation (OCBC),

United Bank of India, Kurng Thai Bank, Malayan Banking Berhad (May Bank), DBS Bank,

Commerz Bank, ICBC, Siam Commercial Bank, Kasikorn Bank, Bangkok Bank, BIDV wdkYESifh

Correspondent Bank tjzpf aqmif&GufcJhNyD; aiGpm&if;rsm; zGihfvSpfEdkifcJhygonf/ ,if; Correspondent

Bank rsm;ESihf bPf\ Customer rsm;okdY EdkifiHjcm;aiGjzihf 0efaqmifrIvkyfief;rsm;udk wpfESpfxufwpfESpf

wdk;í atmufygvkyfief;rsm;udk aqmif&Gufay;vsuf&Sdygonf -

(u) EdkifiHjcm;aiGjzihf pm&if;&Sifpm&if;rsm; zGihfvSpfjcif;

( c ) ydkYukef^oGif;ukef aiGvTJvkyfief;rsm;

( * ) aiGom;xkwfay;jcif; vkyfief;rsm;

(C) Bank Guarantee vkyfief;rsm;

( i ) Account Transfer vkyfief;rsm;

( p ) Foreign Exchange Market vkyfief;rsm;

18/ International Banking vkyfief;Xmetaejzifh 2016 - 2017 b@mESpftwGif; ydkYukef

oGif;ukef aiGvTJvkyfief;rsm;tm; wdk;jr§ifhaqmif&GufEdkifcJhjcif;? Bank Guarantee vkyfief;rsm; aqmif&Guf

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&mwGif Financing jyKvkyfay; Edkifjcif;rsm;aMumifh atmufygtwdkif; 0ifaiGrsm; &&SdcJhygonf/

EdkifiHjcm;aiG0efaqmifrSkvkyfief; 19/ 2015-2016 b@mESpfESifh 2016-2017 b@mESpf EdkifiHjcm;aiG 0efaqmifrSkrS

0ifaiG&&SdrI tajctaetm; atmufygtwdkif; EIdif;,SOfwifjytyfygonf-

(usyfoef;aygif;)

pOf taMumif;t&m 2015-2016 2016-2017 wdk;wufrItajctae

(u) Export, Import 321.30 180.57 (-) 140.73

( c ) Money Transfer Services,Remittance 10.10 17.80 (+) 7.70

( * ) Bank Guarantee 7.10 21.16 (+) 14.06

(C) Account Transfer 87.50 189.46 (+) 101.96

( i ) FX 871.20 769.74 (-) 101.46

( p ) Exchange Transaction 1616.10 1934.47 (+) 318.37

Total Income 2913.30 3113.20 (+) 199.90

EdkifiHwum aiGvTJvkyfief;rsm;

20/ jynfya&muf tvkyform;? 0efxrf;rsm; tvG,fwul jrefrmEdkifiHodkY jynfyrS aiGrsm; vTJydkYEdkif&ef

Money Gram International Limited - MGIL (England)ESifh vnf;aumif;? International Money

Express - IME (Malaysia)ESifh vnf;aumif;? Trans Fast World Wide Money Transfer (T.F) (New

York) ESifh vnf;aumif;? Merchantrade Money Transfer Services ESifh vnf;aumif; aiGvTJ Agency

wdkYESifh qufoG,faqmif&GufcJhojzifh aiGvTJ0efaqmifrItwGuf 0ifaiGrsm;vnf; &&SdcJhygonf/

Visa Card, Master Card Acquiring ESifh Issuing vkyfief;

21/ EdkifiHwumrS a&muf&SdvmMuonfh Visa, Master Card udkifaqmifaomolrsm; ,if;u'f

rsm;udk tokH;jyKí aiGay;acsrI vkyfief;rsm; vkyfudkifEdkif&ef Visa, Master tzGJUtpnf;wdkYxHrS

vkyfief;vdkifpif &,lí Hotel rsm;? pm;aomufqdkifrsm;? pkpkaygif; ( 32 )ae&mwGif bPf\ POS

pufrsm; wyfqifí tokH;jyKEdkif&ef aqmif&Gufxm;EdkifcJhygonf/ ,if;odkY aqmif&GufEdkifjcif;jzifh

0efaqmifcrsm; &&Sdonfhtjyif? rdrdwdkY Nostro Account rsm;wGif vdktyfaeaom EdkifiHjcm;

aiGaMu;rsm;udkvnf; jznfhqnf;ay;EdkifcJhygonf/

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22/ jynfya&muf jrefrmEdkifiHom;rsm; EdkifiHjcm;&Sd pm;aomufqdkifrsm;? Super Market rsm;?

Hotel rsm;wGif Master Card rsm;udk tokH;jyKí aiGay;acsEdkif&efESifh Hotel Booking jyKvkyfjcif;?

av,mOf vufrSwf Booking jyKvkyfjcif;ESifh Online rS aps;0,fjcif;rsm; jyKvkyfEdkif&ef Technical

Provider jzpfol xdkif;EdkifiH&Sd 2C2P ukrÜPDESifh yl;aygif;í EdkifiHom;u'f (Citizen Card)trnfjzifh

jrefrmEdkifiHom;rsm;bPf\ Master Card udk xkwfvkyf okH;pGJvsuf&Sdygonf/

Myanmar Payment Union (MPU)

23/ jynfwGif;ü aiGom;udkifaqmifNyD; aiGay;acsrIudk avQmhcsí tzGJY0ifbPftcsif;csif;

bPf0efaqmifrIrsm;udk ydkrdkyl;aygif;aqmif&GufvmEdkif&ef? aiGay;acsrIpepf tqifhjr§ifhwif wdk;wuf

ap&ef? EdkifiHwumu'f (Card)rsm;udk jynfwGif;wGif tokH;jyKEdkif&efESifh jynfwGif;bPfrsm;udk EdkifiHwum

uGef,ufESifh tokH;jyKEdkif&ef MPU udk zGJUpnf;cJh&m jrefrmEdkifiHom;rsm;bPfonf ueOD;tzGJY0iftjzpf

yg0ifcJhygonf/

24/ rdrdwdkY\ ATM Card rsm;udk MPU pepfjzifh csdwfqufaqmif&Gufxm;onfh uarÇmZ?

{&m0wDESifh or0g,rbPf tp&Sdonfh MPU tzJGU0if bPfrsm;\ ATM pufrsm;wGifvnf; aiGoGif;^

aiGxkwf vkyfief;rsm;udk tokH;jyKvQuf&Sdygonf/ MPU ESifh EdkifiHjcm;u'frsm; vufcH aqmif&GufEdkif&ef

twGuf avmavmq,fwGif China Union Pay (CUP) Japan Credit Bureau (JCB) Card wdkYtm;

aiGrsm;vufcH xkwfay;EdkifNyD jzpfygonf/ Master, Visa wkdY\ u'frsm;tm; vufcHxkwfay;jcif;tqifh

aqmif&GufEdkif&ef MPU Member tzGJU0iftaejzifh aqmif&Gufvsuf &Sdygonf/ ATM Customer A/C

( 11857 )OD;&SdNyD;? POS ( 7 )vkH;ESifh ATM Machine ( 11 )vkH; wyfqifxm;NyD; jzpfygonf/

qufvufí ATM Machine rsm; wdk;csJU wyfqifEdkif&ef aqmif&Gufvsuf&Sdygonf/

Mobile Payment 25/ bPfcGJr&Sdaom aus;vufa'orsm;ta&muf w,fvDzkef;jzifh aiGay;ydkYEdkifonfh Mobile

Payment pepfudk jrefrmEdkifiHawmf A[dkbPfodkY wifjyNyD; cGifhjyKcsuf awmif;cHcJh&m A[dkbPfrS 2015

ckESpf? arv (22)&ufaeYwGif cGifhjyKcJhNyD; jzpfygonf/,if; Mobile Payment pepfjzifh bPfcGJr&Sdaom

a'orsm;ta&muf wpfae&mrS wpfae&modkY aiGrsm; tvG,fwul ay;ydkYjcif;jzifh bPftaejzifhvnf;

0efaqmifcrsm; ydkrdk&&Sdvmrnf jzpfygonf/,cktcgwGif MCB \ HP Customer rsm; twdk;ay;aiGrsm;

tm; ,if;a'o&Sd 663 Mobile Agent rsm;rSwqifh vTJajymif;jcif;tm; aqmif&GufvQuf&Sdygonf/ MCB

\ Mobile Payment vkyfief;wGif Superagent (6)OD;? Agent (804)OD;? Subscriber (8301)OD;? Merchant

(1038)OD;jzifh vkyfief;rsm;aqmif&GufvQuf&Sdygonf/

E-payment pepf pwifaqmif&Gufjcif;

26/ pD;yGm;a&;ESifh ul;oef;a&mif;0,fa&;0efBuD;XmeodkY oGif;ukefvdkifpifaMu;rsm; ay;oGif;

&mwGif vkyfief;ydkrdktqifajyNyD; aejynfawmfodkY aiGrsm;o,f,loGm;&jcif;r&SdbJ aiGaMu;vkHNcHKrI&Sdap&ef

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ကနသတ

14

oGif;ukef vdkifpifaMu; ay;oGif;&rnfhaiGudk jrefrmEdkifiHom;rsm;bPfvDrdwufü BudKwifay;oGif;í

,if;pm&if;rS Online jzifh aejynfawmf&Sd pD;yGm;a&;ESifh ul;oef;a&mif;0,fa&;0efBuD;Xmeu oGif;ukef

vdkifpifaMu;&,lonfh E-payment pepfudk 1-9-2007 &ufaeYrS pwifaqmif&GufcJhygonf/ vkyfief;

wdk;wufrIrSm atmufygtwdkif; jzpfygonf -

(usyfoef;aygif;)

b@mESpf pm&if;zGifh oGif;ukefvdkifpif 0efBuD;½kH;odkY bPf0efaqmif

OD;a& OD;a& ay;oGif;aiG p&dwf

2007-2008 2249 16810 199.585 0.538

2008-2009 798 37022 422.411 3.649

2009-2010 731 45079 520.910 4.508

2010-2011 711 58391 647.799 21.859

2011-2012 5590 66640 812.882 33.330

2012-2013 7204 77479 3277.940 38.74

2013-2014 9026 255631 3347.970 74.03

2014-2015 10732 170960 3809.450 85.48

2015-2016 12952 182832 4170.040 91.42

2016-2017 15302 220378 4921.188 110.19

oGif;ukefvdkifpifOD;a& bPf0efaqmifp&dwf

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acs;aiGvkyfief;

27/ jrefrmEdkifiHom;rsm;bPf\ t"du0ifaiG& vkyfief;rsm;teuf wpfckjzpfonfh ESpfwdk

acs;aiGvkyfief;uddk aqmif&Guf&mü wdkif;&if;om; vkyfief;&Sifrsm;\ vkyfief;rsm;wGif b@maiG

taxmuftyHhay;jcif;jzifhh edkifiHawmf\ zGHHYjzdK;wdk;wufrSkudk wpfzufwpfvrf;rS taxmuftul

jyKap&efESifh tjcm;wpfzufrSvnf; bPffvkyfief;rsm; zGHYjzdK;wdk;wufvmjyD; yHHkrSef0ifaiG&&Sdap&efESifh qHk;&SHk;

rSkr&Sdap&eftwGuf 'g&dkufwmwpfOD;rS OD;aqmifaom acs;aiGaumfrwD zGJYpnf;ítqifhqifh pdppfjyD;

acs;aiGrsm; xkwfay;vSsuf&Sdygonf/

28/ jrefrmEdkifiHHom;rsm;bPf? acs;aiGXme taejziffh 31.3.2017 aeYtxd wdkkif;&if;om;

vkyfief;&Sif (896 ) OD;odkY acs;aiGyrmP ( 108.572 ) bDvsH xkwfacs;cJhh&m ,cifESpfuxuf

(14.82)bDvsH wdk;jrSifhxkwfacs;EdkifcJhygonf/ 0ifaiGtaejzifh ESpfpOf wdk;wufvsuf&Sd&m ,cifESpfu

(10.7) bDvsHom &&SdcJhh&mrS ,ckESpfwGif (12.41)bDvsHtxd &&SdcJh&m (1.71)bDvsHausmf wdk;wuf&&Sd

cJhygonf/ NPL (Non Performing Loan Ratio) rSm ,cifESpfu (2.06%)&Sd&mrS ,ckESpfwGif

(2.89%)odkYa&muf&SdcJhygonf/ xdkodkYjzpfyGm;&jcif;rSm acs;aiGvkyfief;obm0 ed,mrt& acs;aiGyrmP

wdk;wufvmonfh tavsmuf NPL% jrifhcJh&jcif; jzpfygonf/ odkY&mwGif NPL OD;a&yrmP

avsmhenf;usqif;ap&ef rsufajcrjywf MudK;yrf;aqmif&Gufvsuf &Sdygonf/

tXm;0,fpepf ( Hire Purchase) vkyfief;

29/ jrefrmEdkifiHom;rsm;bPfvDrdwufrS tiSm;0,fpepfacs;aiGvkyfief;udk 2012 ckESpf?

atmufwdkbmvrS pwifí ypöönf;a&mif;csonfh ukrÜPDMuD; (21)ckESifh csdwfqufí v,f,moHk;

pufypöönf;rsm;? wdkufcef;rsm;? tdrfpD;um;rsm;? vkyfief;oHk;armfawmf,mOfrsm;? aqmufvkyfa&;vkyfief;oHk;

puf,EÅ&m;rsm;udk ,cktcsdefxd qHk;&SHk;rSkr&SdyJ aqmif&GufEdkifcJhygonf/ jrefrmEdkifiH\ wdkif;a'oMuD;rsm;

tm;vHk;ESifh jynfe,ftm;vHk;&Sd awmifolMuD;rsm;tm; v,f,moHk;pufypönf;rsm;udk t"dua&mif;cscJhjyD;

(2016-2017)bP²mESpfwGif OD;a& (9602)?0ifaiG (6330.51)oef;&&SdcJhygonf/ jrefrmEdkifiHom;rsm;

bPftaejzifh tiSm;0,fpepfvkyfief;udk aqmif&Guf&mwGif aumif;rGefaom 0efaqmifrSkjzifh oGufvuf

jrefqefpGm aqmif&Gufay;jcif;aMumifh vkyfief;&Sifrsm;\ ,HkMunftm;udk;rSk? Customer rsm;rS

jrefrmEdkifiHom;rsm;bPfvDrdwufudk vufcHaqmif&GufvdkrSkrsm;aMumifh qHk;&SkH;rSkr&SdyJ aqmif&GufEdkifcJhyg

onf/ vmrnfhESpfwGifvnf; EdkifiHtwGif;&Sd vlwef;pm;toD;oD;\ vlaerSkb0jrifhrm;ap&ef &nfpl;í

tdrfoHk;? vkyfief;oHk;? vQyfppfypöönf; trsdK;rsKd;udk t&pfuspepfjzifh wdk;csJUa&mif;csoGm;rnf jzpfygonf/

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(usyfoef;)

b@mESpf OD;a&

0ifaiG

(Rental Fees) Commission Service Charges pkpkaygif;

2015-2016 7706 2394.14 895.25 24.27 3313.66

2016-2017 9602 4548.21 1752.54 29.76 6330.51

SMEs Two Step Loan

30/ *syefedkifiHrS ODA acs;aiG&,lí Two Step Loan tpDtpOfjzifh tao;pm;tvwfpm;

pufrSkvkyfief;rsm; (SMEs) rsm;zGHYjzdK;wdk;wufa&;twGuf aiGa&;aMu;a&;qdkif&m yg0ifaqmif&Gufrnfh

tzGJYtpnf; (Participant Financial Institution) tjzpf a&G;cs,fcH&onfhtwGuf

jrefrmEdkifiHom;rsm;bPfrS &efukefwdkif;? rEÅav;wdkif;? yJcl;wdkif;? {&m0wDwdkif;? &Srf;jynfe,fwdkYrS

xkwfvkyfrSk vkyfief;&Sif (Manufacturing) (14)OD;? 0efaqmifrSkvkyfief;&Sif (Services) (4)OD;? vufum;

a&mif;0,fa&;vkyfief;&Sif (Wholesale) (1)OD;? pkpkaygif; (19)OD;tm; (6.375)bDvsHudk 2016 ckESpf?

pufwifbmv rS 'DZifbmvtwGif; xkwfacs;ay;cJhjyD;jzpfygonf/

31/ ,ckvnf; Two-Step Loan acs;aiGudk JICA rSxyfrH&&SdrnfjzpfonfhtwGuf

&cdkifjynfe,f? weom&Dwdkif;? &efukefwdkif;? rEÅav;wdkif; wdkYrS wefzdk;jrSifhxkwfukef (value added goods)

vkyfief;&Sifrsm;tygt0if vkyfief;&Sifi,fav;rsm;ygrusef xkwfacs;ay;Edkif&ef pDpOfaqmif&Guf

vQuf&Sdygonf/

acs;aiGvkyfief;trsdK;tpm;

(usyfoef;)

b@mESpf acs;aiG

pm&if;ydk

xkwfacs;aiG

tXm;0,fpepf

vkyfief;

Trade Guarantee

Two Step Loan

2016-2017 104061 2984 44892 1527 6374

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acs;aiGvkyfief;trsdK;tpm;

u@tvdkufacs;aiGpm&if;

(usyfoef;)

b@mESpf

pufrSk

vufrSk

u@

o,f,lydkU

aqmifa&;

u@

ukefoG,frSk

u@

0efaqmifrSk

u@

aqmufvkyfa&;

u@

pdkufysKd;a&;

ESifharG;jrLa&;

u@

taxGaxG

u@

2016-2017 31103 1831 40449 28615 10487 45313 2038

u@tvdkufacs;aiG

ကနသတ

ကနသတ

18 vlYpGrf;tm;t&if;tjrpf zGHUNzdK;rIaqmif&Gufjcif;

32/ 0efxrf;rsm;tm; vkyfief;cGif vufawGUESifh pmawGUoifwef;rsm;? bPfrsm;toif;u

zGifhvSpfaom oifwef;rsm;? International Banking tawGUtBuHK&&Sdap&ef EdkifiHjcm;bPfrsm;rS

vma&muf zGifhvSpfaom oifwef;rsm;? jynfwGif;ü EdkifiHjcm;bPfrsm;rS zGifhvSpfaom oifwef;rsm;ESifh

Seminars rsm; wufa&mufapcJhygonf/ ,if;tjyif Master, Visa Card uJhodkY EdkifiHjcm;u'f

vkyfief;twGuf oifwef;rsm;udkvnf; xdkif;EdkifiHodkY apvTwfívnf; oifwef; wufa&mufapcJhygonf/

,ckESpfwGif Diplomer in Banking (DB) wGif 0efxrf; ( 4 )OD;ESifh Master of Banking t&mxrf;

(2)OD; wufa&mufoifMum;apvQuf &Sdygonf/

Yangon Stock Exchange wGif Share a&mif;0,frSk tajctae

33/ jrefrmEdkifiHom;rsm;bPfvDrdwufonf 26.8.2016 &ufaeYrSpí YSX wGif Listed

ukr®®PD wpfcktjzpf bPf\ tpk&S,f,mrsm; pm&if;wif a&mif;cscGifh&&SdcJhaom yxrqHk;aom

bPfjzpfygonf/ aps;uGufpwifzGifhhvSpfcsdef tpk&S,f,mta&mif;t0,fpwif aqmif&GufcJh&m?zGifhvSpf

onfhaps;tm; wpfpkvQif usyf (6800) owfrSwfcJhjyD; ,if;aeUwGif ta&mif;t0,fjzpfonfh

aps;ESKef;rSm usyf (7800) jzpfcJhygonf/ ta&mif;t0,fyrmPtm;jzifh (26-8-2016) &ufaeYrS (31-

3-2017)&ufaeYtxd pkpkaygif;&S,f,mtpka& (150821) pktwGuf wefzdk; usyf (1419.323)oef;

bdk; ta&mif;t0,faqmif&GufcJhjyD; jzpfygonf/ vuf&Sdta&mif;t0,f jzpfaeaomaps;rSm &S,f,m

wpfpkvQif usyf (9000) 0ef;usifcefU jzpfygonf/

aiGaMu;cdkifrmrItajctae

34/ jrefrmEdkifiHom;rsm;bPf\ wpfzufazmfjyyg aiGaMu;tcsKd;rsm;onf bPf\ aiGaMu;

tajctae cdkifrmrI&SdaMumif; jyovsuf &Sdygonf –

A[dkbPf 31-3-2016 31-3-2017

owfrSwfEIef;

(u) rwnfaiG&if;vkHavmufrItcsKd; 10% 73.51% 70.01%

(Capital Adequacy Measurement)

( c ) aiGaMu;vG,fulrItcsKd; 20% 43.29% 29.90%

(Liquidity Ratio) ( * ) oD;oefYaiGvdktyfcsuf 5% jynfhrSD&ef-(6007)oef; jynfhrSD&ef-(7394)oef;

(Reserve Requirement) xm;&SdaiG-(7949)oef; xm;&SdaiG-(7926)oef;

(C) Non-Performing Loan Ratio - 2.06% 2.89 %

35/ bPf\ ROA, ROE, Operation Ratio ESihf Earning Per Share rsm;rSm wpfzufygtwdkif;

jzpfygonf –

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2012-2013 2013-2014 2014-2015 2015-2016 2016-2017

(u) ydkifqdkifrIrsm;tay: tusKd;tjrwf 2.23% 2.43% 2.48% 2.42 % 2.39%

(Return On Average Assets-ROA)

( c ) t&if;tESD;ay: tusKd;tjrwf 8.90% 11.58% 8.53% 8.67 % 8.81%

(Return On Average Equity-ROE)

( * ) 0ifaiGESifhtokH;p&dwftcsKd; 36.68% 42.40% 38.06% 45.13 % 51.40%

(Cost Income Ratio)

(C) tpk&S,f,mwpfpktay: tjrwfaiG

&SmEdkifrI (usyf) (Earning Per share) 672 917 688 711 752

(usyf 5000^- wef &S,f,m)

ROA & ROE

tpk&S,f,m&Sifrsm;\ ydkifqdkifrI

36/ tpk&S,f,m&Sifrsm;\ ydkifqdkifrI (Shareholders’ Equity) rSm atmufygtwdkif;

wdk;wuf vmygonf- –

(usyfoef;aygif;)

pOf taMumif;t&m 31-3-93 31-3-97 31-3-01 31-3-05 31-3-09 31-3-13 31-3-17

(u) xnfh0ifNyD;rwnfaiG&if; 60.59 110.00 110.00 220.00 900.00 17860.59 52004.93

(c) Oya'jy|mef;oD;oefY&efykHaiG 0.46 32.98 107.64 168.00 377.20 1415.24 5788.66

(*) acs;aiGtwGuf &efykHaiG 0 13.40 75.00 103.50 140.00 884.17 3316.76

(C) ta&;ay: &efykHaiG 0 0 0 21.00 50.00 2.00 12.00

(i) &S,f,mtydkaMu; 0 0 0 11.00 79.00 79.05 5119.73

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20

(p) rcGJa0aomtjrwf 1.306 11.9 41.09 47.49 96.63 47.05 332.31

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ဘဏစာရငးစစေဆးခြ ငးနင လပငနးများစစေဆးခြ ငး

၃၇။ ဤဘဏ၏ ၂ဝ၁၆-၂ဝ၁၇ ဘ ာနစစာရငးနင လပငနးများက မြ နမာနငငေတာ

ဗဟဘဏမ အချနနငတေပြ းည စစေဆးကးကြ ပလျကရပြ း စာရငးစစ ဦးလထနးနငအဖလမတကမ

လညး ၂၀၁၆ - ၂၀၁၇ စာရငးက စစေဆးပြ း ဖြ စပါသည။ ၂ဝ၁၆ - ၂ဝ၁၇ ဘ ာေရးနစအတက

စာရငးစစအစရငခစာနင နစချပစာရငး ရငးတမးအား ပးတတငပြ ထားပါသည။

၃၈။ ထအပြ င မြ နမာနငငေတာ ေငေရးေကြ းေရးအဖအစညးများ ဥပေဒပဒမ (၄၉)အရ

အစရယယာရငများမ ခနအပသည အဖဝင (၃)ဦးပါဝငေသာ စာရငးစစေကာမတသည ၂ဝ၁၆ -

၂ဝ၁၇ ဘ ာေရးနစအတငး လပငနးစစစမ အစညးအေဝး ( ၁၀ ) ကမ ပြ လပခပြ း၊ ဘဏ၏

အပေင အေခြ အေန၊ ေချးေငလပငနး၊ စာရငးလပငနး၊ စမခနခေရးလပငနးများ၊ လပထးလပနညး

ကနသတ

ကနသတ

21

များနငစပလျဥး၍လညးေကာငး၊ ဘဏ၏ လစဥဝငေငနင အသးစရတ၊ သးလပတ စာရငးပတ

လပငနး၊ နစချပစာရငးပတ လပငနးများနင စပလျဥး၍လညးေကာငး စစစပါသည။ ေငေကြ းဌာန

အတငးရ ေငသား လကကျနများ က စစေဆးခြ ငး၊ ေချးေငအတက ေပးအပထားသည အာမခစာချပ

စာတမးများ စစေဆးခြ ငး ပြ လပခပါသည။ ၎ငးအပြ င အပေင၊ ေချးေငကစစများနင စပလျဥး၍

လညးေကာငး၊ အခြ ားေငေရးေကြ းေရးကစစများနင စပလျဥး၍ လညးေကာငး အ ကဉာဏများေပး၍

ပပးေပးခပါသည။

၃၉။ ဘဏတငးစာရငးစစ (Internal Audit)က မြ နမာနငငေတာဗဟဘဏ၏ ညနကြ ား

ချကအရ စာရငးစစေကာမတမ တကရက ကးကြ ပမဖြ င ဘဏ၏ ေနစဥစာရငးလပငနးများ၊ ေချးေင

လပငနးများ၊ စမေရးရာလပငနးများက စဥဆကမပြ တ (Continuous Audit) စစေဆးလျကရပြ း

လချပစစေဆးခြ ငး၊ဘ ာတကခနးရ ေငသားလကကျနက အခါအားေလျာစာနင လစဥေရာငတခင

စစေဆးခြ ငး၊ ေနစဥ ေငသားလကကျနက ကးကြ ပစစေဆးခြ ငးနင ဘဏခများအား စစေဆးခြ ငး

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