72
jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

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Page 1: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

jflif{s k|ltj]bg@)&)÷)&!

NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

COMPANY LIMITED

Page 2: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

;+rfns ;ldlt

k|]df /fHonIdL l;+xcWoIf

;+:yfks z]o/wgL ;d"xsf] tkm{af6

8Dj/ a= dNn;+rfns

;+:yfks z]o/wgL ;d"xsf] tkm{af6

ejfgL /f0ff;+rfns

;j{;fwf/0f ;]o/wgL ;d"xsf] tkm{af6

s[i0f k|;fb zdf{;+rfns

>L /fli6«o afl0fHo a}+ssf] tkm{af6

/flhj laqmd zfx;+rfns

;+:yfks z]o/wgL ;d"xsf] tkm{af6

e/t a:g]tsDkgL ;lrj Pj+

k|d'v sfo{sf/L clws[t

nLnfdl0f Gof}kfg];+rfns

:jtGq ;+rfns

lbef /f0ff;+rfns

s]= Pr= /f0ff;+rfns

;j{;fwf/0f ;]o/wgL ;d"xsf] tkm{af6

Page 3: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED
Page 4: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

Joj:

yfk

g ;

d"x

tyf k

bflw

sf/

Lx?

Page 5: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

1

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

o; sDkgLsf] ldlt @)&@÷)!÷)$ ut] a;]sf] ;~rfns ;ldltsf] #$) cf}+ a}7sjf6 o; sDkgLsf] ;QfO{;f}+ jflif{s ;fwf/0f ;ef lgDg lnlvt ldlt, ;do / :yfgdf lgDg lnlvt ljifo pk/ 5nkmn ug{sf nflu a:g] lg0f{o eP cg';f/ pQm ldlt, ;do / :yfgdf z]o/wgL dxfg'efjx? cfkm" :jo+ jf l/tk"j{ssf] k|ltlglwåf/f pkl:yt x'g cg'/f]w ul/G5 .

;ef x'g] ldlt, ;do / :yfg Mldlt M @)&@ ;fn a}zfv @( ut] d+unaf/ -!@ d], @)!%_;do M laxfg !)M#) ah] :yfg M g]zgn nfO{km ejg, s]lGb|o sfof{no, nflhDkf6, sf7df08f}+ .

5nkmnsf ljifox? M s_ ;fwf/0f k|:tfj M != ;+rfns ;ldltsf] tkm{jf6 cWoIfsf] k|ltj]bg . @= cfly{s jif{ @)&)÷)&! ;dfKt jif{sf] jf;nftsf] kmfF6jf/L, cfo–Joo lx;fa, gfkmf–gf]S;fg lx;fa Pjd\ n]vfk/LIfssf] k|ltj]bg kfl/t ug]{ . #= cfly{s jif{ @)&!÷)&@ sf] nflu n]vfk/LIfs lgo'lQm Pjd\ kfl/>lds n]vfk/LIf0f ;ldltn] l;kmfl/; u/]sf]nfO{ cg'df]bg ug]{ .

v_ ljz]if k|:tfj M != ;+rfns ;ldltn] k|:tfj u/] jdf]lhd nfef+zsf] ?kdf r'Qmf k'+hLsf] #) -tL;_ k|ltzt jf]g; z]o/ / * -cf7_ k|ltzt gub nfef+z l:js[t ug]{ .

pk/f]Qm jf]g; z]o/df nfUg] clu|d cfos/ ;d]t gub nfef+zdf ldnfg ug]{ u/L l:js[t ug]{ . ;f] ;d]tnfO{ sfof{Gjog ug]{ k|of]hgsf] nflu sDkgLsf] hf/L k'FhL ?= !=%) c/a k'¥ofpg k|jGwkq / lgodfjnLdf k'FhL ;DalGw cfjZos k|:tfj kfl/t ug]{ . pQm ;+zf]wgdf lgodgsf/L lgsfon] -sDkgL /lhi6«f/sf] sfof{no, >L aLdf ;ldlt cflb_ km]/jbn ug{ ;'emfj jf lgb]{zg lbPdf ;f] cg'?k cfjZos ;dfof]hg ug{ ;+rfns ;ldltnfO{ clwsf/ k|bfg ug]{ .

u_ ljljw .

!= @& cf}+ ;fwf/0f ;efsf] k|of]hgsf] nflu sDkgLsf] z]o/ bflvn vf/]hsf] sfo{ @)&@ a}zfv !! b]lv @)&@ a}zfv @( ut] ;Dd aGb /xg] 5 .

@= ;efdf cfkm} pkl:yt x'g g;Sg] z]o/wgLn] ;efdf efu lngsf] nflu k|ltlglw -k|f]S;L_ lgo'Qm ubf{ ;f] k|ltlglw kq ;ef z'? x'g' eGbf $* 306f klxn] cyf{t @)&@ a}zfv @% ut] z'qmjf/ sfof{no ;do leq sDkgLsf] s]lGb|o sfof{no, nflhDkf6df btf{ u/fO{ ;Sg' kg]{5 . k|ltlglw kq -k|f]S;L_ o; sDkgLn] tf]s]sf] 9f+rfdf x'g' kg]{5 . k|ltlglw kq -k|f]S;L_ sf] 9f+rf o; sDkgLsf] ;'rgf kf6Ldf ;d]t /flvPsf] 5 .

#= k|f]S;L lbg] z]o/wgL dxfg'efjn] z]o/ lsGbfsf] cj:yfdf cfkm'n] o; sDkgLdf u/]sf] ;xL ldNg' kb{5 . cGoyf k|f]S;Ln] dfGotf kfpg] 5}g .

$= Ps hgf z]o/wgLn] Ps eGbf a9LnfO{ k|ltlglw -k|f]S;L_ d's// u/]df k|ltlglw kq -k|f]S;L_ :jtM ab/ x'g]5 . t/ k|ltlglw kq -k|f]S;L_ lbg] z]o/wgLn] cfkm'n] cl3 lbPsf] k|ltlglw kq -k|f]S;L_ ab/ u/]sf] Aoxf]/f :ki6 pNn]v u/L tf]lsPsf] Dofb leq} 5'§} lgj]bg lbO{ csf]{ z]o/wgLnfO{ k|ltlglw -k|f]S;L_ lgo'Qm u/]df To;/L lgo'Qm k|ltlglw -k|f]S;L_ n] ;efdf efu lng / dtbfg ug{ kfpg] 5g\ . To:tf] cj:yfdf cl3Nnf] k|ltlglw kq -k|f]S;L_ :jtM ab/ ePsf] dflgg] 5 .

%= k|ltlglw d's// ubf{ s]xL z]o/ cfkm};+u jf+sL /fvL cfkm' ;d]t ;fwf/0f ;efdf pkl:yt x'g kfpg] u/L cf+lzs z]o/sf] k|ltlglw d"s// ug{ kfOg] 5}g . k|ltlglw lgo'Qm ug]{ z]o/wgL :jo+ cfkm} ;fwf/0f ;efdf pkl:yt ePdf,

dtbfg u/]df pQm d's// ul/Psf] k|f]S;L :jtM ab/ x'g] 5 .

^= gfafns jf dfgl;s cj:yf l7s gePsf] z]o/wgLx?sf] tkm{jf6 sDkgLsf] z]o/ nut lstfadf ;+/Ifs hlgO{ btf{ ePsf] AolQmn] ;efdf efu lng jf dtbfg ug{ jf k|ltlglw -k|f]S;L_ d's// ug{ ;Sg'x'g]5 .

&= ;efdf efu lng O{R5's z]o/wgL dxfg'efjx?n] z]o/ k|df0fkq / cfkm\gf] kl/ro kq v'Ng] k|df0f -h:t} gful/stfsf] k|df0fkq jf k|dfl0ft kmf]6f] ePsf] cGo s'g} kl/ro kq_ ;efdf pkl:yt x'g clgjfo{ ?kdf ;fydf lnO{ cfpg cg'/f]w 5 cGoyf ;ef sIfdf k|j]z ug{ kfOg] 5}g .

*= ;fwf/0f ;efsf] xflh/L k'l:tsf laxfg (M)) ah] b]lv !)M@) ah] ;Dd v'Nnf /xg] 5 .

(= ;'/Iffsf] b[li6n] z]o/wgL dxfg'efjx? ;ef :yn cfpFbf emf]nf, Aofu h:tf j:t'x? gNofpg cg'/f]w ul/G5 . ;'/Iffsld{n] hf+r ug{ ;Sg] x'Fbf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]t cg'/f]w 5 .

!)= o; ;fwf/0f ;ef ;DaGwdf yk hfgsf/L cfjZos k/]df sfof{no ;do leq sDkgLsf] k|wfg sfof{no nflhDkf6, sf7df8f}+df ;Dks{ /fVg' x'g cg'/f]w ul/G5 .

;+rfns ;ldltsf] cf1fn]

sDkgL ;lrj

;fwf/0f ;ef ;DalGw ;fdfGo hfgsf/L

;QfO{;f}+ jflif{s ;fwf/0f ;efsf] ;"rgf

Page 6: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

2

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

k||f]S;L kmf/fd

>L ;~rfns ;ldlt,

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8nflhDkf6, sf7df08f}+ .

ljifo M k|ltlglw lgo'Qm u/]sf] af/]

dxfzo,============================ lhNnf====================================g=kf=÷uf=lj=;= j8f g+= ======== a:g] d÷xfdL

====================================================================== n] g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8sf]

z]o/jfnfsf] x}l;otn] ldlt @)&@÷)!÷@( ut] d+unjf/sf lbg ;QfO;f}+ jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn

tyf lg0f{odf ;xefuL x'g g;Sg] ePsf]n] pQm ;efdf efu lng tyf dtbfg ug{sf nflu =========================== lhNnf

=====================g=kf=÷uf=lj=;÷j8f g+= ======== a:g] To; sDkgLsf z]o/wgL >L =================================================================,

z]o/ k|df0f–kq g+= ============================ nfO{ d]/f]÷xfd|f] k|ltlglw dgf]gLt u/L k7fPsf] 5'÷5f}+ .

lgj]bs

k|j]z kq

z]o/wgLsf] gfdM ======================================================================================================================

z]o/ qmd ;+Vof g+= ===================== z]o/ ;+Vof ========================== z]o/wgLsf] ;lx =====================

––––––––––––––––––––––––sDkgL ;lrj

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8sf] ldlt @)&@÷)!÷@( ut] d+unjf/sf lbg x'g] ;QfO;f}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Psf] k|j]z–kq .

b:tvt M ===================================================gfd M =======================================================7]ufgf M ====================================================

z]o/ k|df0f kq g+= M====================================ls=g+= ===================== b]lv =====================;Ddldlt M ======================================================

b|i6Ao M of] lgj]bg ;fwf/0f ;ef x'g' eGbf sDtLdf $* 306f cufj} sDkgLsf] /lhi68{ sfof{nodf k]z ul/;Sg' kg]{5 .

lro/ k;{g Snj d]Da/ ;Ddfg tyf tflnd sfo{qmd

Page 7: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

sDkgL kl/ro )$nIo d"No / Aoj;flos bz{g )$

cfly{s emnsx? )%aLdf of]hgfx? )^;+rfns ;ldltsf] k|ltj]bg !#n]vfk/LIfssf] k|ltj]bg !(jf;nft @)gfkmf gf]S;fg lx;fa @!cfo Aoo lx;fax? @@gub k|jfxsf] ljj/0f @*OSo'6Ldf ePsf] kl/jt{g ;DaGwL ljj/0f @(cg';"rLx? #)>L aLdf ;ldltsf] :jLs[lt kq %#>L aLdf ;ldltsf] :jLj[mlt kqdf pNn]lvt zt{x?sf] k|To'Q/ %$;xfos sDkgL PgPnhL OG:of]/]G; s= ln= sf] ljlQo ljj/0fx? %%

ljifo ;"rL

cWoIfHo"af6 clestf{ tflnd ;qsf] ;d'b\3f6g ub}{ .

Page 8: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

4

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

kl/rob]zleq aLdfsf] j9\bf] cfjZostfnfO{ kl/k"lt{ ug]{ p2]Zon] g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 -;fljs gfd M g]zgn nfO{km P08 hg/n OG:of]/]G; s+= ln=_ k|rlnt sDkgL P]g / aLdf P]g cGtu{t btf{ eO{ ldlt @)$$ ;fn kf}if @$ ut] b]lv ;+rfng/t /x]sf] xf] .

sDkgL kl/ro

nIo, d"No / Aoj;flos bz{g

Pp6f kl/jf/nfO{ cfjZos ;j} ;"/Iff

k|bfg ug{ ;Sg] cfly{s ;dfwfgx?

pknAw ug{ g]zgn nfO{km k|ltj4

5 . pTs[i6 k|ljlwdf cfwfl/t, ;j}

u|fxsnfO{ ;'xfpg], kf/bzL{ kmfObfx?

ePsf ljZj :t/Lo aLdf of]hgfx?

k|rngdf Nofpg' g} o; sDkgLsf]

Aoj;flos bz{g xf] .

g]zgn nfO{kmn] cfˆgf] :yfkgf sfn

b]lv g} u|fxsx?nfO{ pTs[i6 aLdf

;]jf k|bfg ug]{ sDkgLsf] ?kdf cfˆgf]

Voflt cfh{g u/]sf] 5 . :t/o'Qm

d"No / ;]jf pknAw ug]{ sDkgLsf]

k|ltj4tfn] o;sf] lr/kl/rLt gfd

/ k|lti7fnfO{ yk prfO{ k|bfg u/]sf]

5 .

sDkgLsf oL k|of;x?nfO{ o;sf d'n

d'Nox?– Aoj;flostf, kf/blz{tf,

ljZj;lgotf / OdfGbf/Ltfn] 6]jf

k'¥ofPsf] 5 / sDkgL ;w}+ g} oL d'Nox?

k|lt k|ltj4 /xL cfPsf] 5 .

æ;a}sf] nflu cfly{s :jtGqtf lgdf{0f

ug]{Æ o; sDkgLsf] nIo /x]sf] 5 / ;f]

nIo xfl;n ug]{ k|of; tkm{ oL d'Nox?

s]lGb|t /x]sf 5g\ .

sDkgLsf] p2]Zox?nljljw ljt/0f d~r / ljljw of]hgfsf]

dfWodx?jf6 aLdf ahf/df pNn]Vo ?kdf cfkm\gf] pkl:ylt hgfpg' .

npRrsf]6Lsf] ;+:yfut Aoj;flostfjf6 sDkgLsf] ;'lglZrt eljiosf] nflu cfwf/zLnf tof/ ug{' .

nz]o/wgLx?nfO{ cfsif{s k|ltkmn pknAw u/fpg' .

nAoj;flos ;fem]bf/x?;+u bL3{sflng d'No / dfGotfx? :yflkt ug{' .

ncfkm\gf sd{rf/Lx?sf] j[lQ ljsf;sf] nflu oy]i6 cj;/x? k|bfg ug{' .

k"gaL{dfljZjsf] k|d'v k"g{aLdsx? dWo] Ps /x]sf] xgf]e//L, hd{gL ;+u g]zgn nfO{kmsf] k"g{aLdf ;Demf}tf /x]sf] 5 . of] k"gaL{df cToGt ;'/lIft / e/kbf]{ 5, h;jf6 sDkgLsf] ;j} u|fxsx?nfO{ aLdf ;'/Iff kof{Kt / cfˆgf] h?/t cg';f/ ;'xfpFbf] x'g ;3fp k'¥ofPsf] 5 .

4

Page 9: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

5

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

s"n aLdfz'Ns ;+sng#))

@%)

@))

!%)

!))

%)

)

? s/f]8df

nufgL cfDbfgL÷k|ltkmn&)

^)

%)

$)

#)

@)

!)

)

? s/f]8df

k|yd aLdfz'Ns ;+sng

cfly{s emnsx?

hLjg aLdf sf]if

!@)

!))

*)

^)

$)

@)

)

? s/f]8df

? s/f]8df

@)^!

÷^@

@)^@

÷^#

@)^#

÷^$

@)^$

÷^%

@)^%

÷^^

@)^^

÷^&

@)^&

÷^*

@)^*

÷^(

@)^(

÷&)

@)&)

÷&!

@)^!

÷^@

@)^@

÷^#

@)^#

÷^$

@)^$

÷^%

@)^%

÷^^

@)^^

÷^&

@)^&

÷^*

@)^*

÷^(

@)^(

÷&)

@)&)

÷&!

@)^!

÷^@

@)^@

÷^#

@)^#

÷^$

@)^$

÷^%

@)^%

÷^^

@)^^

÷^&

@)^&

÷^*

@)^*

÷^(

@)^(

÷&)

@)&)

÷&!

@)^!

÷^@

@)^@

÷^#

@)^#

÷^$

@)^$

÷^%

@)^%

÷^^

@)^^

÷^&

@)^&

÷^*

@)^*

÷^(

@)^(

÷&)

@)&)

÷&!

!,@))

!,)))

*))

^))

$))

@))

)

Page 10: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

6

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

aLdf of]hgfx?jfn cd[t -;fjlws_ cleefjssf] c;fdlos lgwg ePsf] cj:yfdf aRrfsf] lzIff Pj+ cGo vr{nfO{ lgoldttf k|bfg ug]{ of] Ps pTs[i6 aLdf of]hgf xf] . olb aLdf cjlw leq cleefjssf] c;fdlos lgwg ePdf aLdf+s /sdsf] @)Ü t'?Gt e'QmfgL lbg'sf ;fy} aRrfsf] lzIff Pj+ cGo vr{sf] nflu aLdf+s /sdsf] !Ü cfosf] ?kdf dfl;s ?kdf aLdf cjlw ;Dd e'QmfgL ul/G5 . d[To' kZrft jfFsL cjlwsf] nflu aLdfz'Ns e'QmfgL ug{' kb}{g / aLdf cjlw ;dflKtdf aLdf+s /sd / k"/f cjlwsf] jf]g; Psd'i7 e'QmfgL ul/G5 h;n] pRr lzIffnfO{ ;d]t 7'nf] ;xof]u k'¥ofpF5 . cleefjssf] lgwg gePsf] cj:yfdf aLdf cjlw ;dfKtLdf aLdf+s /sd / k"/f cjlwsf] jf]g; Psd'i7 e'QmfgL ul/G5 .

Page 11: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

7

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

hLjg cd[t -;fjlws Pj+ cflhjg_ M of] aLdf of]hgfdf ;fjlws Pj+ cflhjg aLdf ;dflxt ul/Psf] 5 . aLdf cjlw ;dfKtLdf aLdf+s /sd / k"/f cjlwsf] jf]g; ;lxt e'QmfgL ul/g] 5 . ;f] kZrft\ aLldtsf] lgwg ePsf] avtdf k'gM aLdfÍ /sd e'QmfgL ul/g] of] pTs[i6 aLdf of]hgf xf] .

;fjlws hLjg aLdf M of] d'gfkmfdf ;l/s x'g] aLdf of]hgf xf] . o;df hf]lvd Pj+ jrt ;dfj]z ul/Psf] 5 . aLdf cjlw ;dfKtLdf aLdf+s /sd / k"/f cjlwsf] jf]g; Psd'i7 e'QmfgL ul/G5 eg] ;f] cjlw leq lgwg ePdf aLdf+s /sd / ;f] cjlw ;Ddsf] jf]g; cfl>t kl/jf/nfO{ e'QmfgL ul/G5 . o;n] kl/jf/nfO{ k"0f{ ?kdf cfly{s ;'/Iff k|bfg ub{5 .

bDklQ cd[t -;fjlws_ Mof] aLdf of]hgfdf lajflxt hf]8LnfO{ Pp6} aLdfn]vdf ;d]6L cfly{s hf]lvd jxg ul/G5 . o; aLdf of]hgfdf klt jf klTg dWo] s'g} Pssf] lgwg ePdf aLdf+s /sd t'?Gt e'QmfgL lbOG5 / o:tf] d[To' kZrft\ jfFsL aLdfz'Ns e'QmfgL ug{' kb}{g . aLdf cjlw ;dfKtLdf hLljt klt jf kTgLnfO{ aLdf+s /sd / k"/f cjlwsf] jf]g; ;lxt Psd'i7 e'QmfgL ul/G5 . olb b'j} hLljt /x]sf] cj:yfdf aLdf cjlw ;dfKtLdf aLdf+s /sd / jf]g; Ps d'i7 e'QmfgL ul/G5 .

eljio j[lQ -k]G;g Knfg_ M Pp6f lgZrLt cjlw kZrft k|To]s AolQmn] cfkm\gf] k]zfjf6 cjsfz lng' kg]{ x'G5 . To:tf] cj:yfdf lgoldt ?kdf dfl;s cfo cfh{g ug{ o; aLdf of]hgfn] ;xof]u k'¥ofpF5 . o;/L cjsfzsf] ;do kl5 klg of] aLdfn]vn] cfly{s :jtGqtf k|bfg ub{5 . To;}n] cfkm' slt jif{sf] pd]/df cjsfz lng] / cfkm'nfO{ cjsfzsf] ;dodf dfl;s slt /sd cfjZos kb{5, Tof] j]nfdf cfkm'n] 5gf}6 u/L cfkm'n] eg] h;/L cjsfzsf] lhGbuL 1fkg ug{sf] nflu of] pTs[i6 aLdf of]hgf ;fljt ePsf] 5 .

Page 12: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

8

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cd[t jiff{ -clu|d e'QmfgL ;fjlws_–! Mo; aLdf of]hgfdf aLdf cjlw cufl8 g} tf]lsPsf] ;dodf aLdfÍ /sdsf] tf]lsPsf] /sd clu|d ?kdf e'QmfgL ul/G5 . aLdf cjlw ;dfKtLdf jfFsL /sd / k"/f cjlwsf] jf]g; Psd'i7 e'QmfgL ul/G5 . ;do ;dodf lgoldt /sd k|fKt x'g] x'gfn] cfjZostf cg';f/sf] cfly{s ;'/Iff k|fKt x'G5 . olb ladLtsf] lgwg ePsf] cj:yfdf k"/f aLdf+s -klxn] lnPsf] /sd s§f gu/L_ / ;f] cjlw ;Ddsf] jf]g; Psd'i7 e'QmfgL lbOG5 .

afn aRrfsf] lzIff tyf lajfx -;fjlws_ M of] of]hgf aRrfnfO{ eljiodf lbg' kg]{ pRr lzIff jf lajfxsf nflu nlIft ul/ tof/ kfl/Psf] xf] . eljiodf Ps d'i7 /sd pknAw u/fpg] of] clt pkof]uL aLdf of]hgf xf] . o; aLdf of]hgf cGtu{t aLldt hLljt /x]df jf lgwg ePdf aLdf cjlw ;dfKtLdf aLdf+s /sd / jf]g; ;lxt Ps d'i7 /sd e'QmfgL ul/G5 .

afn efUof]bo -clu|d e"QmfgL ;fjlws hLjg aLdf_M afnaflnsfsf] e/0f kf]if0f, lzIff / cGo ;fdflhs bfloTjnfO{ lgoldttf k|bfg u/L b]z ljsf;sf nflu lzlIft gful/s tof/ ug]{ p2]Zo cg'?k clu|d e'QmfgL l;4fGtdf cfwfl/t hLjg aLdf of]hgf xf] . o; of]hgf cGt{ut aLldt hLljt /x]sf] cj:yfdf 5 jif{ k'/f ePkl5 aLdfÍ /sdsf] @% k|ltzt Psd'i7 e'QmfgL x'g]5 . o;} ul/ !) jif{ k'/f ePkl5 aLdfÍ /sdsf] csf]{ @% k|ltzt e'QmfgL x'g]5 . !% jif{ k'/f ePkl5 aLdfÍ /sdsf] afFsL %) k|ltzt af]g; ;lxt e'QmfgL lbOg]5 . d[To' ePsf] cj:yfdf afFsL aLdfz'Ns e'QmfgL ug'{kg]{ 5}g t/ aLldt lhljt /x] ;/x aLdf nfe e'QmfgL ul/g]5 .

;fd"lxs ;fjlws M of] aLdf of]hgfn] ljleGg ;+3 ;+:yfdf ;+nUg ;b:ox?sf] ;d"xnfO{ Pp6} aLdfn]vdf ;d]6L aLdf ;'/Iff k|bfg ub{5 . ;+:yfut ?kdf ;+rfng ul/g] ePsfn] aLdfz'Ns b/df ljz]if 5'6sf] Aoj:yf x'Fbf sd aLdfz'Ns e'QmfgL ug{' kg]{ x'G5 . o; aLdfn]v cGtu{t aLdf cjlw ;dfKtLdf aLdf+s /sd / k"/f cjlwsf] jf]g; ;lxt Ps d'i7 /sd e'QmfgL ul/g] 5 . aLldtsf] c;fdlos lgwg ePdf aLdf+s /sd / ;f] cjlw ;Ddsf] jf]g; e'QmfgL ul/g] 5 . k|foM h;f] ;+3 ;+:yf o; of]hgfdf cfslif{t e} cfkm\gf ;b:ox?sf] aLdf o; of]hgf cGtu{t u/]sf 5g\ .

Page 13: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

9

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

a}b]lzs /f]huf/ -DofbL_ M a}b]lzs /f]huf/sf nflu ljb]z hfg] AolQmnfO{ g]kfn ;/sf/sf] gLlt cg';f/ clgjfo{ ?kdf ul/g] aLdf of]hgf xf] . o; aLdf of]hgfdf Ps k6s aLdfz'Ns e'QmfgL u/L ! jif{ b]lv ^ jif{ ;Ddsf nflu DofbL hLjg aLdf ul/G5 . olb aLldtsf] d[To' ePdf ?=%)),)))÷–, lqmofvr{ ?=%),)))÷–, zj Nofpg al9df ?=!)),)))÷– cfo >f]t jfkt ?= !)),)))÷– ;Ddsf] Ifltk'lt{ k|bfg ul/g]5 . c+ue+u, ckf+u ePdf ;d]t tf]lsPsf] /sd k|bfg ul/g]5 .

clu|d e'QmfgL Mof] aLdf of]hgf vf; u/L eljiodf cfOkg]{ ;fdflhs sfo{ Pj+ Aoj;fo a[l4sf nflu ;xof]u k'¥ofpg NofOPsf] xf] . of] aLdf of]hgf !%, @) jf @% jif{sf] cjlw ;Dd ug{ ;lsg] 5 . aLdf cjlw ;dfKtL cufj} tf]lsPsf] ;dodf tf]lsPsf] /sd e'QmfgL ug'{ o; of]hgfsf] k|d'v ljz]iftf xf] . obL aLdf cjlw leq aLldtsf] lgwg ePdf klxn] e'QmfgL u/]sf] /sd s§f gu/L k"/f aLdf+s /sd / ;f] cjlw ;Ddsf] jf]g; ;lxt e'QmfgL ul/g]5 .

sdn cd[t -DofbL_ Mo; aLdf of]hgfn] Go"gtd aLdfz'Nsdf clwstd hf]lvd jxg ub{5 . of] klg vf;u/L n3' aLdfnfO{ nlIft u/L tof/ ul/Psf] xf] . s'g} ljlQo ;+:yfjf6 lnOg] C0fsf] ;'/Iff k|bfg ug{ of] ljz]if ?kn] pkof]uL 5 . s'g} ;+:yfsf ;+rfns jf sd{rf/Lx?nfO{ o; aLdf of]hgf cGtu{t Go"gtd aLdfz'Ns e'QmfgL u/L lghsf] lgwg ePsf] v08df p;sf] kl/jf/nfO{ cfly{s ;'/Iff k|bfg ub{5 .

;/n cd[t -DofbL Pj+ /sd lkmtf{_ MGo"gtd aLdf z'Nsdf aLdf cjlw # jf % jf !) jf !% jif{sf nflu tof/ ul/Psf] of] DofbL aLdf of]hgfdf b'3{6gf nfe ;lxt ;dfj]z ul/Psf] 5 . aLldtsf] b'3{6gfjf6 lgwg ePdf yk aLdf+s /sd e'QmfgL ul/g]5 . olb aLldtsf] lgwg gePsf] cj:yfdf tf]lsPsf] Aofh ;lxt aLdfz'Ns lkmtf{ ul/g]5 . of] vf;u/L n3' aLdfnfO{ nlIft ul/ tof/ ul/Psf] xf] .

Page 14: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

10

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

jfncd[t -;fjlws_ hLjg aLdfn]v—!x/]s cleefjssf] Pp6f dxTjk"0f{ lhDd]jf/L /x]sf] x'G5, Tof] xf] cfkm\gf afn aRrfsf] plrt / /fd|f] pRr lzIff lbg ;lsof];\ . o;} cfjZostfnfO{ dWogh/ u/L NofOPsf] o; aLdf of]hgfdf aRrf -aLldt_ / cleefjs -k|:tfjs_ b'j} hgfsf] hf]lvd axg ug]{u/L aLdfn]v hf/L ul/G5 . hGd]]b]lv !% jif{ ;Dd pd]/ ePsf aRrfsf] Go"gtd ^ jif{b]lv @) jif{ ;Ddsf] cjlw /fv]/ clwstd ?= %) nfv ;Ddsf] aLdf ug{ ;lsG5 . aLdf cjlwleq k|:tfjssf] c;fdlos lgwg ePsf] cj:yfdf a9Ldf ?= !) nfv tTsfn e'QmfgL ul/G5 eg] To;kl5sf] aLdfz'Ns ldgfxf ul/G5 . aLdf cjlw ;dfKtL x'g' @ jif{ cl3 aLdfÍ /sdsf] @% k|ltzt, ! jif{ cl3 aLdfÍsf] @% k|ltzt / afFsL %) k|ltzt / lgodfg';f/ af]g; aLdf cjlw ;dflKtdf e'QmfgL ul/g] 5 .

Psn ;fjlws cd[t hLjg aLdf of]hgf M of] ;fjlws hLjg aLdf cGtu{t Ps k6s dfq aLdfz'Ns e'QmfgL u/L lgwf{l/t cjlw;Dd 9'Ss x'g NofOPsf] aLdf of]hgf xf] . of] aLdf of]hgf Go'gtd % jif{b]lv clwstd #) jif{ cjlw ;Dd ug{ ;lsg] 5 . o;df Go"gtd !@ jif{b]lv clwstd ^) jif{;Dd pd]/ k'u]sf JolQmx? o; of]hgfdf ;l/s x'g ;Sb5g\ . of] aLdf of]hgf :jf:Yo kl/If0f ljgf :jLsf/ ul/G5 . o;df Go'gtd aLdfÍ ?=%),)))÷– b]lv clwstd cfo>f]tsf cfwf/df hlt klg ug{ ;lsG5 . o; of]hgfdf aLdfÍ /sd j/fj/ jf al9df ?=!),)),)))÷– ;Ddsf] bf]xf]/f] b'3{6gf nfe yk ;'ljwf ;dfj]z ug{ ;lsg]5 . aLdf cjlw ;dfKtLdf aLdfÍ /sd / k'/f cjlwsf] af]g; ;lxt Psd'i6 /sd e'QmfgL ul/g]5 . olb aLldtsf] lgwg ePdf aLdfÍ /sd / ;f] cjlw;Ddsf] af]g; ;lxt Psd'i6 /sd e'QmfgL ul/g]5 .

Psn afncd[t -;fjlws_ hLjg aLdf of]hgf M cfkm\gf afnaRrfnfO{ cfly{s ?kdf ;+/If0f ul/ ;'gf}nf] eljiosf] sNkgf ug]{ cleefjssf] rfxfgfnfO{ ;fsf/ agfpg æPsn afn cd[t -;fjlws_ hLjg aLdf of]hgfÆ ;+rfngdf NofPsf] 5 . o; of]hgf cGtu{t Ps k6s dfq aLdfz'Ns e'QmfgL u/L lgwf{l/t cjlw;Dd k6s k6s aLdfz'Ns e'QmfgL ug]{ emGem6af6 d'QmL u/fp+5 . o; of]hgfdf aLldt Pj+ k|:tfjs b'a}sf] hf]lvd axg x'G5 . o; aLdf of]hgfdf Go'gtd aLdf cjlw !! jif{b]lv clwstd aLdf cjlw @) jif{;Ddsf nflu ug{ ;lsG5 . aLdf cjlw ;dfKtLdf aLdfÍ /sd / k'/f cjlwsf] af]g; Psd'i6 e'QmfgL ul/G5 . aLdf cjlw leq cleefjssf] lgwg ePdf jf czQm jf :yfoL c+ue+u e} cfo cfh{g ug{ g;s]df k|To]s dlxgf aLdfÍsf] !Ü /sd e'QmfgL ul/G5 / aLdf cjlw ;dfKtLdf k'/f aLdfÍ /sd / k'/f cjlwsf] jf]g; Psd'i6 e'QmfgL ul/G5 . o;sf ;fy} k|:tfjssf] lgwg ePdf aLdfÍ /sdsf] @)Ü /sd t'?Gt e'QmfgL ul/G5 .

n3' cd[t hLjg aLdf of]hgf M of] aLdf of]hgf vf;u/L ;fdflhs bfloTj jxg ug]{ ;Gbe{df b]zsf ljleGg If]qdf lgDg cfo ePsf ljkGg ju{x?nfO{ nlIft u/L n3' shf{ k|bfg ub}{ cfPsf ljlQo ;+:yfsf] shf{ Pj+ shf{ pkof]u ug]{ JolQm -C0fL_ sf] hLjg aLdf dfkm{t ;'/Iff k|bfg u/L cfly{s ;+/If0fsf nflu o; n3' cd[t aLdf of]hgfdf Go'gtd aLdfz'Nsdf aLdf ug{ ;lsG5 .

Page 15: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

11

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

art cd[t ;fjlws hLjg aLdf of]hgf M art cd[t ;fjlws hLjg aLdf cGt{ut l;ldt cjlwsf nflu aLdfz'Ns e'QmfgL u/L lgwf{l/t cjlw;Dd k"/f cjlwsf] af]g; k|fKt ug{ ;lsg] 5 . jflif{s / cw{jflif{s aLdfz'Ns e'QmfgLdf 5'6sf ;fy} a9L aLdfÍ /sddf 5'6 ;'ljwf k|fKt ug{ ;Sg] Joj:yf ;d]t o; of]hgfdf ;dfj]z ul/Psf] 5 .

DofbL cd[t hLjg aLdf of]hgf M ljleGg ljlQo ;+:yfx?n] k|jfx u/]sf] C0fnfO{ ;xh agfpg To:tf C0fLx?sf] c;fdlos lgwg ePsf] cj:yfdf hf]lvdsf] ef/ aLdsn] jxg u/L ljlQo ;+:yf Pj+ C0fLnfO{ k"0f{ cfly{s ;'/Iff k|bfg ug]{ p2]Zon] æDofbL cd[t hLjg aLdfÆ ;+rfng ul/Psf] xf] . o; of]hgfdf Go'gtd aLdfz'Nsdf JolQmut Pj+ ;fd'lxs b'j} ug{ ;lsg] / b'3{6gf d[To' nfe (ADB) klg ;dfj]z ug{ ;lsg] 5 .

Page 16: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

12

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

zfvf k|d'vx?sf] e]nf tyf ;Ddfg sfo{qmd

lro/k;{g Snj d]Da/ ;Ddfg tyf tflnd sfo{qmd

clestf{ Ifdtf clej[l4 tflnd

Page 17: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

13

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8sf] @& cf}+ jflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{jf6 cWoIf >LdtL k|]df /fHo nIdL

l;+xn] k|:t't ug{' ePsf] cf=j= @)&)÷)&! sf] k|ltj]bg .

cfb/l0fo z]o/wgL dxfg'efjx?,

g]zgn nfO{km OG:of]/]G; s+= ln= sf] ;QfO{;f}+ jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;a} z]o/wgL dxfg'efjx?,

ljleGg lgodgsf/L lgsfojf6 kfNg' ePsf ko{j]Ifs k|ltlglwx?, n]vf k/LIfs tyf sDkgL kbflwsf/Lx? nufot ;a}nfO{

;+rfns ;ldlt / d]/f] tkm{jf6 xflb{s :jfut clejfbg ub{5' . o; ;efdf cf=j=@)&)÷)&! sf] n]vf k/LIf0f ePsf]

jf;nft, gfkmf gf]S;fg lx;fax? / jflif{s k|ltj]bg k|:t't ug{ kfpFbf xfdLnfO{ v'zL nfu]sf] 5 . sDkgLsf] k|:t't

k|ltj]bgx? o; ;fwf/0f ;efjf6 l:js[t÷kfl/t ePkl5 k"0f{tf k|fKt x'g] s'/fdf xfdL k"0f{ ljZj:t 5f}+ .

!= ljut jif{sf] sf/f]jf/sf] l;+xfjnf]sg M

sDkgLn] ljut jif{df ?=2,273,109,583/- aLdfz'Ns ;+sng u/]sf]df rfn" cfly{s jif{ ;f]

/sd 17.78 k|ltztn] a[l4 eO{ ?=2,677,262,954/- k'usf] 5 . rfn' jif{sf] ;+rfngjf6 hDdf

?=1,615,493,266/- sf] yk /sd hLjg jLdf sf]ifdf ;fl/Psf] 5 / hLjg jLdf sf]if ut jif{sf]

t'ngfdf 19.54 k|ltztn] a[l4 eO{ jif{fGtdf ?=9,882,428,056/- k'u]sf] 5 . ljut jif{sf] cGtdf

?= 8,045,865,515/- j/fj/sf] nufgL ePsf]df of] jif{ 21.61 k|ltztn] a[l4 eO{ ?= 9,784,707,517/- k'u]sf] 5 .

hLjg jLdf z"Ns rfn' jif{ -@)&)÷)&!_ ut jif{ -@)^(÷)&)_k|yd jLdf z'Ns 910,412,996 751,406,854

gjLs/0f jLdf z'Ns 1,766,849,958 1,521,702,729

2,677,262,954 2,273,109,583

sl§ M k'gjL{df lk|ldod -281,072,086_ -259,407,014_

v"b lk|ldod 2,396,190,868 2,013,702,569

k'gaL{df sldzg 132,179,323 140,556,389

aLnDa z'Ns 14,272,287 8,954,065

nufgL cfDbfgL 662,496,001 614,999,285

hDdf cfDbfgL -s_ 3,205,138,479 2,778,212,308

bfjL e'QmfgL -v'b_ 816,741,444 729,266,479

clest{f sldzg e'QmfgL 230,841,092 207,952,245

jLdf ;ldltnfO{ ;]jf z'Ns 23,961,909 20,137,026

d]l8sn z'Ns 3,396,883 2,217,305

Joj:yfkg vr{ 192,762,933 168,379,329

a}b]lzs /f]huf/ DofbL hLjg aLdfsf] gfkmf ;f/]sf] 148,328,177 195,916,001

hDdf vr{ -v_ 1,416,032,438 1,323,868,385

jrt -s-v_ 1,789,106,041 1,454,343,923

cfos/sf] nflu Joj:yf -70,753,767_ -87,640,369_

v"b jrt 1,718,352,274 1,366,703,554

aLdfÍLo d"NofÍgdf gfkmf ;f/]sf] 102,859,008 277,316,661

v"b jrt hLjg jLdf sf]ifdf ;f/]sf] 1,615,493,266 1,089,386,893

Page 18: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

14

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

@= /fli6«o÷cGt/f{li6«o kl/l:ytLcGt/fli6«o d'b|f sf]ifsf] k|If]k0f cg';f/ ;g\ @)!# df # k|ltzt /x]sf] ljZjAofkL cfly{s a[l4 b/ ;g\ @)!$ df ;'b[9

eP/ #=^ k|ltzt k'Ug] cg'dfg 5 . a[l4sf] of] b/ ;g\ @)!% df #=( k|ltztdf plSng] sf]ifsf] k|If]k0f /x]sf] 5 .

cfly{s jif{ @)&)÷)&! df g]kfnsf] s'n u|fx{:Yo pTkfbg a[l4b/ cfwf/e"t d"Nodf %=@ k|ltzt / jflif{s cf};t

pkef]Qmf d'b|f:kmLlt (=! k|ltzt /x]sf] 5 . ;f] cfly{s jif{df b]zsf] s'n a:t' lgof{t !&=$ k|ltztn] a[l4 eO{ ?=&)*=&^

cj{ k'u]sf]n] Aofkf/3f6f pRr b]lvG5 . ;du| zf]wgfGt/ l:yltsf] xsdf ljk|]if0f cfk|jfx, ko{6g cfo tyf cg'bfgdf

ePsf] a[l4sf sf/0f rfn' vftfdf ?=*(=(% cj{ jrt b]lvPsf] 5, kmn:j?k @)&! cfiff9 d;fGtdf utjif{sf] t'ngfdf

s'n ljb]zL ljlgdo ;l~rlt @$=* k|ltztn] a[l4 eO{ ?=^^% cj{ k'u]sf] 5 .

;dLIff jif{df s[lif tyf ;]jf If]qsf] a[l4b/df ;'wf/ cfO{ s[lif If]qtkm{ $=& k|ltzt / u}/s[lif If]qtkm{ %=# k|ltztn]

lj:tf/ ePsf] cg'dfg /x]sf] 5 . cfly{s ljsf;sf] b/ cfwf/e"t d"Nodf #=^ k|ltzt / pTkfbssf] d"Nodf #=& k|ltzt

/x]sf] k|f/lDes cg'dfg 5 . ;dLIff jif{df s'n u|fx{:y pTkfbg s'n nufgLsf] cg'kft #&=! k|ltzt /x]sf] 5 . of] cg'kft

cl3Nnf] jif{ #^=( k|ltzt /x]sf] lyof] .

;dLIff jif{df a}b]lzs /f]huf/Ldf hfg] >ldssf] ;+Vofdf !^=$ k|ltztn] a[l4 ePsf] 5 . ljk|]if0f (Remittance) cfk|jfx

cl3Nnf] jif{sf] @)=( k|ltzt a[l4sf] t'ngfdf ;dLIff jif{df @% k|ltztn] a[l4 eO{ ?=%$# cj{ @( s/f]8 k'u]sf] 5 .

d'ntM ljk|]if0f cfk|jfx, ko{6g cfo / cg'bfgdf ePsf] pNn]Vo a[l4sf sf/0f d'n'ssf] zf]wgfGt/ l:ylt ?=!@& cj{ !#

s/f]8 jrtdf /x]sf] 5 .

#= k|ltj]bgsf] ldlt;Dd rfn' cfly{s jif{sf] pknlAw / eljiosf ;DaGwdf ;+rfns ;ldltsf] wf/0ff cf=j=@)&)÷)&! kmfNu'0f d;fGt ;Dddf hLjg jLdf Joj;fodf ?= 178 s/f]8 j/fj/sf] s"n lk|ldod ;+sng

ePsf] 5 . of] ut jif{sf] bfFhf]df sl/j 16% k|ltztn] a[l4 ePsf] cg'/f]w 5 . ;f] cjlwdf k|yd aLdfz'Ns ut

jif{sf] t'ngfdf 45% eGbf al9n] a[l4 ePsf] 5 . sDkgLsf] ;j} zfvf÷pkzfvfx? clwstd\ Ifdtfdf ;+rfng x'g]

u/L Aoj:yfkg e}/x]sf] cg'/f]w 5 .

sDkgLsf] nflhDkf6, sf7df08f}+ l:yt lgd{f0fflwg cfw'lgs ejgsf] lgdf{0f sfo{ k'/f ePsf] 5 / cfkm\gf] sfof{no

k|of]hg jfx]s ;f] ejgdf cGo pknAw 7fpF (space) Aofkfl/s k|of]hgsf] nflu cGo kIfnfO{ ef8fdf lbO{ cltl/Qm

cfo cfh{g ug]{ sDkgLsf] ;f]rfO{ /x]sf] Aoxf]/f cg'/f]w 5 . pQm ejg lgdf{0fdf ;xof]u k'¥ofpg] lgofds lgsfo >L

aLdf ;ldlt nufot ;a}nfO{ xflb{s wGojfb lbg rfxG5f}+ . sDkgLsf] k|wfg sfof{no pQm ejgdf ;fl/Psf] cg'/f]w

ub}{ sDkgLsf] k|ultdf ejg lgdf{0f sfo{ Ps sf]z] 9'Ëf ;fljt x'g] ;xif{ hfgsf/L u/fpg rfxG5' .

Page 19: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

15

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

k|ltj]bgsf] ldlt ;Dd cfOk'Ubf b]zdf ;sf/fTds /fhg}lts 36gfqmdx?n] cj b]zsf] ;+qmd0fsfnsf] cjlw ;dfKt eO{

/fhg}lts ult/f]wsf] cGTo x'g] tyf b]zdf :yfoL zflGt sfod x'g] / /fi6«n] hgrfxgf cg'?ksf] gof+ ;+ljwfg kfpg]

lbzfdf cu|;/ x'g] l:yltsf] l;h{gf ePsf] 5 . o;n] hLjg aLdf Aoj;fonfO{ ;sf/fTds k|efj kfg]{ :ki6 g} 5 .

$= cf}Bf]lus tyf Aoj;flos ;DaGw M

sDkgLsf] d"No dfGotfx? Aoj;flostf / kf/bzL{tf Pj+ cfk;L lxtsf l;4fGtjf6 lgb]{lzt 5g\ . log} cfwf/df ;a}

;/f]sf/jfnfx? ;+:yfut ;fem]bf/x?, u|fxs dxfg'efjx?, clest{f ;fem]bf/x?, z]o/wgL dxfg'efjx? tyf sDkgL

sd{rf/Lx? k|ltsf] ;DaGw ljsf; ePsf] 5 . oL ;DaGwn] sDkgLsf] Aoj;flos k|ult ;'lglZrt ug]{ tkm{ xfdL k"0f{

?kn] ljZj:t 5f}+ .

%= ;+rfns ;ldltdf ePsf] x]/km]/ / ;f] sf] sf/0f M

5lAa;f}+ jflif{s ;fwf/0f ;ef kZrft k|ltj]bgsf] ldlt;Dd ;+rfns ;ldltdf s'g} km]/jbn gePsf] cg'/f]w 5 .

^= sf/f]jf/nfO{ c;/ kfg]{ d"Vo s'/fx? M

;+s'lrt k|foM k"+hL Pj+ ljlQo ahf/, a9\bf] t/ntf tyf Aofhb/ hf]lvd, 36\bf] Aofhb/ cGt/ (Spread Rate), cl:y/

ljlQo gLlt, a9\bf] ;+rfng tyf nufgL hf]lvd ;+u;+u} a9\bf] ;+rfng nfut cflb ljleGg sf/sx? ;du| ljlQo

If]qsf] nflu ljut jif{ ;/x r'gf}ltsf] ?kdf b]lvPsf 5g\ . oLgn] xfd|f] sDkgLsf] sf/f]jf/nfO{ klg k|ToIf ck|ToIf

c;/ kfg]{ k|r'/ ;+efjgf /x]sf] 5 .

a9\bf] t/ntf ;fy} ;/sf/L ah]6df art x'g uO{ g]kfn ;/sf/n] cfGtl/s ?kdf C0f p7fpg gkg]{ cj:yf l;h{gf eO{

;ldIff jif{df Aofhb/df pNn]Vo sdL cfPsf] 5 . o;n] nufgLsf] k|ltkmndf c;/ kfg{ ;Sg] b]lvPsf] 5 .

vfl8 tyf cGo d'n'sdf a9\bf] a}b]lzs /f]huf/jf6 hLjg aLdf Aoj;fodf ;sf/fTds k|efj kf/]sf] 5 .

ljZj Aofkf/ ;+u7g ;+u u/]sf] k|lta4tf cg'?k ;]jf If]q cGtu{t /x]sf] hLjg aLdf Aoj;fo v'nf ePsf] v08df

o; Aoj;fodf lta| k|ltikw{f / r'gf}lt ylkg] lglZrt k|fo 5 .

/fli6«o cy{tGqsf] jt{dfg l:yltdf yk aLdf sDkgLx?sf] k|j]zn] sf/f]jf/nfO{ c;/ kfg{ ;Sg] k|an sf/s tTjsf]

?kdf /x]sf 5g\ . gofF k|:tfljt aLdf P]gjf6 aLdf Aoj;fodf kfg]{ c;/sf] d'NofÍg ug'{ kg]{ l:ylt 5 .

b]zsf] cfly{s /fhg}lts kl/l:ylt vl:sg uPdf ;fy} b}jL tyf k|fs[lts k|sf]ksf] sf/0fn] klg Aoj;fodf k|lts'n

k|efj kfg{ ;Sg]5 . a9\bf] d'b|f:kmLltn] hLjg aLdf Aoj;fonfO{ k|lts"n c;/ kfg{] 7"nf] ;Defjgf 5 .

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16

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

&= n]vf k/LIf0f k|ltj]bgdf s'g} s}lkmot eP ;f] df ;+rfns ;ldltsf] k|ltlqmof M

n]vf k/LIf0f k|ltj]bgdf s'g} s}lkmot gePsf] cg'/f]w 5 .

*= gfkmf / nfef+z jf+8kmf+8 M

sDkgLn] rfn' jif{sf] d'gfkmfjf6 r"Qmf k"+hLsf] #)Ü sf b/n] jf]g; z]o/ / *Ü gub nfef+z ljt/0f ug{ ;+rfns

;ldltn] l;kmfl/z ug{] lg0f{o u/]sf] ;xif{ hfgsf/L u/fp5f}+ . jf]g; z]o/df nfUg] clu|d cfos/ ;d]t gub

nfef+zdf ldnfg u/L jfFsL gub nfef+z /sd e'Qmfg x'g]5 . of] cg'df]bg x'g]g} 5 eGg] xfdLn] cfzf /fv]sf 5f}+ .

o;n] sDkgLsf] r'Qmf k"FhL ?=1,019,125,900/- k'Ug] 5 . o; nfef+z cg'df]bgsf] sf/0fn] sDkgLsf] hf/L k"+hL /

r'Qmf k"+hL a[l4 x'g uPjf6 ;f]xL cg';f/ k|aGwkq / lgodfjnLdf ;+zf]wgsf] nflu ljz]if k|:tfj o; ;efdf k]z

u/]sf 5f}+ .

(= z]o/ hkmt ePsf] eP ;f] sf] ljj/0f M 5}g .

!)= sDkgLsf] cfwf/e"t z]o/wgLn] sDkgLnfO{ pknAw u/fOPsf] hfgsf/L M 5}g .

!!= sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]jf/x? / ;f] cjlwdf sDkgLsf]

sf/f]jf/df cfPsf] s'g} dxTjk"0f{ kl/jt{g M

sDkgLsf] ;xfos sDkgL >L Pg=Pn=hL=OG:of]/]G; sDkgLsf] Aoj;fo ;Gtf]ifk|b /x]sf] cg'/f]w 5 .

ljut ;do b]lv g} hLjg aLdf Aoj;fosf] nflu go+f aLdfn]vx? ljsl;t u/L Aoj;fo a[l4 ug{ sDkgL k|of;/t

5 . rfn' jif{df sDkgLn] n3' cd[t aLdf of]hgf / art cd[t ;fjlws aLdf of]hgf gfds b'O{ yk aLdf of]hgfx?

k|rngdf NofPsf] 5 . o;sf ;fy} eljio a[lQ aLdf of]hgfdf k"/s s/f/ yk u/L kl/dfh{g ul/Psf] 5 . sDkgLn]

k|rngdf NofPsf ljut jif{sf ;d]t oL ljleGg of]hgfx?sf] sf/0fn] g]kfnsf] aLdf ahf/nfO{ ljljlws/0f tkm{

pGd"v u/fPsf] 5 . o;sf cltl/Qm sDkgLsf] sf/f]jf/df dxTjk"0f{ kl/jt{g cfPsf] 5}g .

!@= ljut cfly{s jif{df sDkgL;+u ;DalGwt ;Demf}tfx?df s'g} ;+rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut

:jfy{sf] jf/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f M 5}g .

!#= sDkgLn] cfkm\gf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfkm\gf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof /

c+lst d"No tyf To;/L z]o/ vl/b u/] jfkt sDkgLn] e'QmfgL u/]sf] /sd M 5}g .

Page 21: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

17

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

17

!$= cfGtl/s lgoGq0f k|0ffnLsf] ljj/0f M

sDkgLsf] cfGt/Ls lgoGq0f k|0ffnL k|efjsf/L / kof{Kt 5, o;sf] nflu ;+rfns ;ldltjf6 ljlQo lgodx? cg'df]bg

eO{ nfu' ul/Psf] 5 . o;nfO{ yk 6]jf k'¥ofpg sDkgL jflx/jf6 cfGtl/s n]vf k/LIf0f ;+rfng u/fpg ljz]if1

n]vf kmd{ lgo'Qm eO{ lgoldt ?kdf k|ltj]bg ;d]t k|fKt e}/x]sf] 5 . sDkgL ;+rfng k|s[ofsf] nflu ljleGg yk dfu{

lgb]{lzsfx? tof/ ug]{ qmddf 5g\ . >L aLdf ;ldltjf6 hf/L ePsf] æ;+:yfut ;'zf;g lgb]{lzsf @)^(Æ df klg

o;jf/] ljleGg Aoj:yf ul/Psf 5g\ h"g k"0f{ ?kn] nfu" ug{ sDkgL k|ltj4 5 .

sDkgLsf] ;+:yfut ;'zf;g k"0f{ ?kn] sfod ug{ ;+rfns ;ldlt k|lta4 /x]sf] cg'/f]w 5 . sDkgLsf] ;a} sfd

sfjf{xLx? :jtGq Pj+ kf/bzL{ ?kdf ;+rfng u/L ;+:yfut ;'zf;gsf] k|Tofe"tL ug{ sDkgL lqmoflzn /x]sf] 5 . >L

aLdf ;ldlt Pj+ cGo lgodgsf/L lgsfox?jf6 j]nf j]nfdf hf/L ePsf gLlt lgb]{zgx? / k|rlnt sfg"gsf] kfngf

sDkgLn] k"0f{ ?kn] sfof{Gjog ub}{ cfPsf] 5 .

!%= ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f M

cfly{s jif{ @)&)÷)&! df s"n Aoj:yfkg vr{ ?= 214,849,504/- /x]sf] 5, h'g ut jif{ ?= 187,088,143/- lyof] . s"n Aoj:yfkg vr{ dWo] 7"nf] lx:;f cyf{t ?= 10.62 s/f]8sf] /sd sd{rf/L vr{ ;+u ;DalGwt /x]sf] 5 ;fy}

clestf{ cGo lzif{sdf ?=42,794,701/- vr{ ePsf] 5 . sDkgLsf] Aoj:yfkg vr{ k"0f{tM ;Gt'lnt / lgoldt

/x]sf] cg'/f]w 5 .

!^= ;+rfnsx?, k|d'v sfo{sf/L clws[t cfwf/e"t z]o/wgL cflbjf6 sDkgLnfO{ k|fKt x'g afFsL /sd M gePsf] .

!&= n]vf k/LIf0f ;ldlt M

;+rfns ;ldltsf] lgDg ;b:ox? n]vf k/LIf0f ;ldltsf] ;b:o /xg' ePsf] 5 .

!_ >L lnnfdl0f Gof}kfg] -;+rfns_ ;+of]hs

@_ ;'>L lbef /f0ff -;+rfns_ ;b:o

#_ >L lj1fg >]i7, -ljQ ljefu k|d'v_ ;b:o

cfly{s jif{ @)&)÷)&! df hDdf * j}7ssf] n]vf k/LIf0f ;ldltsf ;b:onfO{ ?= 35,000/- j}7s eQf k|bfg ul/Psf]

5 . n]vf k/LIf0f ;ldltsf ;b:ox?nfO{ æ;+:yfut ;'zf;g lgb]{lzsf @)^(Æ cg';f/ ;+rfns ;ldltsf] j}7s eQfsf]

cfwf /sd k|bfg ul/Psf] 5 . ;f] afx]s n]vf k/LIf0f ;ldltdf /xg] sd{rf/L ;b:onfO{ s'g} lsl;dsf] eQf ;'ljwf k|bfg

ul/Psf] 5}g . ;ldltn] sDkgLsf] cfGtl/s lgoGq0f k|0ffnL, n]vf k/LIfs k|ltj]bg Pj+ cGo ;DalGwt ljifox?df 5nkmn

cWoog u/L cfjZos sfo{fGjogsf] nflu ;+rfns ;ldltdf k]z u/]/ nfu" ul/Psf] 5 .

Page 22: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

18

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

k|]df /fHo nIdL l;+xcWoIf

lnnfdl0f Gof}kfg];+rfns

18

!*= ;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?sf] kfl/>lds eQf tyf ;'ljwf M

cfly{s jif{ @)&)÷)&! df ;+rfns ;ldltsf ;b:ox?nfO{ -pk;ldltsf] j}7ssf] eQf ;d]t u/L_ j}7s eQf jfkt

hDdf ?=778,000/- e'QmfgL ul/Psf] 5 . ;f] afx]s ;+rfnsx?nfO{ cGo s'g} ;'ljwf lbOPsf] 5}g . sfo{sf/L k|d'vnfO{

kfl/>lds / eQf jfkt hDdf ?= 3,410,504/- e'QmfgL ul/Psf] 5 . ;xfos dxfk|aGws åo Pj+ k|aGwsx?nfO{

hDdf kfl/>lds / eQf jfkt ?= 5,579,933/- e'QmfgL lbOPsf] 5 . sfo{sf/L k|d'vnfO{ rfns, OGwg / dd{t ;'ljwf

;lxt ;jf/L ;fwg ;'ljwf k|bfg ul/Psf] 5 . o;sf cltl/Qm sfo{sf/L k|d'v / k|aGwsx?nfO{ sDkgLsf] sd{rf/L

lgodfjnL cg';f/sf] cGo ;'ljwf pknAw u/fOPsf] 5 .

!(= e'Qmfg ug{ afFsL nfef+z M

sDkgLn] e'Qmfg ug{ jf+sL nfef+z jif{fGtdf ?=25,419,227/- /x]sf] 5 .

@)=sDkgLn] sDkgL P]gsf] bkmf !$! jdf]lhd ;DklQ v/Lb jf laqmL u/]sf] s'/fsf] ljj/0f M

o; bkmf cGtu{t pNn]v ug{' kg]{ To:tf] s'g} ;DklQ rfn' jif{ vl/b ljqmL ePsf] 5}g .

@!= ;Da4 sDkgL lar ePsf] sf/f]jf/ ljj/0f M 5}g .

@@= sDkgL P]g @)^# tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg' kg]{ cGo s'g} s'/f M 5}g .

wGojfb 1fkg

o; cj;/df >L jLdf ;ldlt, g]kfn ;/sf/ cy{ dGqfno, >L g]kfn /fi6« a}+s Pj+ cGo ;DalGwt ;+:yfx? /

u|fxsju{jf6 Pjd\ clestf{ ;d"xaf6 k|fKt ;xof]usf] nflu cfef/ k|s6 ub{5f}+ . ;fy} sDkgLsf] sd{rf/Lx?sf]

lgi7f, nugzLntf Pj+ sl7g kl/>dsf] ;/fxgf ub}{ eljiodf klg o:tf] ;xof]usf] ck]Iff ub{5f}+ . cGtdf, sDkgLsf]

;+rfngdf ulx/f] ?rL lng' e} pkl:yt x'g' x'g] ;Dk"0f{ z]o/wgL dxfg'efjx?df wGojfb 1fkg ub{5f}+ . ox+fx?sf]

o; ;xeflutfjf6 xfdL pT;flxt ePsf 5f}+ / ox+fx?sf] uxlsnf] ;'emfjjf6 sDkgL nfeflGjt x'g]df xfld k"0f{ ?kn]

ljZj:t 5f}+ .

ldlt M 2072/01/04

;+rfns ;ldltsf] tkm{jf6

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Page 24: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

20

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

@)&! cfiff9 d;fGtsf]

jf;nft

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=>f]t

1 r'Qmf k"FhL !^ 783,943,000 501,337,000

2 hu]8f tyf sf]if !& 399,944,540 362,476,077

3 hLjg aLdf sf]if !! 9,882,428,056 8,266,934,789

4 dxf–ljkQL hu]8f !* 33,629,043 ”

5 ltg{ af+sL bL3{sflng C0f tyf ;fk6L !( ” ” s"n >f]t 11,099,944,639 9,130,747,866 pkof]u

6 l:y/ ;DkQL -v'b_ @) 614,997,965 605,453,312

7 lb3{sflng nufgL @! 2,110,487,742 3,440,842,642

8 aLdfn]vsf] lwtf]df shf{ # 747,093,147 559,373,979

9 cGo bL3{sflng shf{ @# 85,932,605 93,074,256 Rffn' ;DkQL shf{ tyf k]ZsLx? M

10 gub tyf a}+s df}Hbft @@ 170,878,952 135,474,494

11 cNksflng nufgL @! 7,674,219,775 4,605,022,873

12 cGo cNksflng shf{ @# 7,167,273 6,918,817

13 cGo ;DkQL @$ 470,711,153 480,116,791 hDdf -s_ -!)±!!±!@±!#_ 8,322,977,153 5,227,532,976 rfn' bfloTj tyf Joj:Yffx? M

14 rfn' bfloTj @% 179,734,259 150,207,563

15 c;dfKt hf]lvd jfkt Joj:yf @^ 207,065,602 187,123,153

16 e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 122,533,667 103,747,619

17 cGo Aoj:yf @^s 277,909,418 371,810,538 hDdf -v_ -!$±!%±!^±!&_ 787,242,946 812,888,874

18 v"b rfn' ;DkQL -u_ = -s_ – -v_ 7,535,734,207 4,414,644,102

19 ckn]vg jf ;dfof]hg x'g afFsL ljljw vr{x? @& 5,698,975 17,359,574

20 gfkmf gf]S;fg lx;faaf6 ;f/]sf] gf]S;fg ” ” s"n pkof]u -^±&±*±(±!*±!(±@)_ 11,099,944,639 9,130,747,866

;+efljt bfloTjx? tyf cg';"rL #, (, !!, tyf !^ b]lv @( ;Dd o;sf cleGg c+u x'g\ .

;+efljt bfloTjx?qm=;+= ljj/0f o; aif{ ut aif{ ! r'Qmf jf e'QmfgL x'g afFsL nufgL ” ” @ k|Tofe"tL k|lta4tf ” ” # aLdfn]v cGtu{t eGbf afx]saf6 aLds pk/ bfjL k/]sf] t/ aLdsn] bfloTj :jLsf/ gu/]sf] -cfos/

;DaGwdf_ 5,040,398 5,040,398

$ aLdsn] jf aLdssf] tkm{af6 lbOPsf] Uof/]06L ” ” % cGo ” ”

hDdf 5,040,398 5,040,398

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

;+nUg k|ltj]bg cg';f/

Page 25: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

21

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cfly{s jif{ @)&!÷)#÷#@ ;dfKt jif{sf]

gfkmf gf]S;fg lx;fa

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=cfDbfgL

1 cfo Joo lx;faaf6 ;f/]sf] !) 148,328,177 195,916,001

2 hLjg aLdf sf]ifaf6 ;f/]sf] !! 102,859,008 277,316,661

3 nufgL shf{ tyf cGoaf6 cfo @ 53,419,642 32,982,589

4 Joj:yf lkmtf{ !@ ” 212,741

5 cGo cfDbfgL 50 ” hDdf cfDbfgL -s_ 304,606,877 506,427,992 vr{

6 Joj:yfkg vr{ & 22,086,572 18,708,814

7 ckn]vg vr{ !# ” ”

8 z]o/ ;DjwL vr{ !# s 2,440,832 628,151

9 cGo vr{x? !$ ” ”

10 gf]S;fgLsf] nflu Joj:yf !% ” ”

11 sd{rf/L cfjf; Aoj:yf @^s ” ”

12 sd{rf/L af]g; Joj:yf @^s 25,461,770 44,281,002

13 ;dfof]lht cfos/ -c Ö cf – O_ * 2,102,927 50,547

14 cf_ cfos/ 5,248,791 3,048,773 15 O_ :yug s/ ;DklQ . -bfloTj_ 3,145,864 2,998,226 16 hLjg aLdf sf]ifdf ;f/]sf] !! ” ”

hDdf vr{ -v_ 52,092,101 63,668,514

17 v"b gfkmf÷-gf]S;fg_ -u_Ö -s_–-v_ 252,514,776 442,759,478

18 cl3Nnf] jif{;+u ;DalGwt vr{ ” ”

19 cl3Nnf] aif{af6 ;fl/Psf] gfkmf÷-gf]S;fg_ 83,775,653 7,450,574 afF8kmfF8sf] nflu pknAw /sd 336,290,429 450,210,052

20 s_ :yfug s/ hu]8f !& 3,145,864 2,965,074 v_ k"FhLs[t hu]8f !& ” ” u_ ljif]z hu]8f !& ” ” 3_ cGo hu]8f !& ” ” ª_ k|:tflat nfef+z 297,898,340 363,469,325

c_ af]g; z]o/ !& 235,182,900 275,735,350 cf_ gub nfef+z @^ s 62,715,440 87,733,975 r_ dxf lakQL hu]8f !* 33,629,043 ”

21 jf;nftdf ;f/]sf] gfkmf÷-gf]S;fg_ 1,617,182 83,775,653 cg';"rL @, &, * tyf !) b]lv !%, !& / !* o;sf cleGg c+u x'g\ . ;+nUg k|ltj]bg cg';f/

Page 26: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

22

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=cfo

1 aLdfz'Ns -v"b_ ! 2,396,190,868 2,013,702,568

2 k'gaL{df sldzg cfo 132,179,323 140,556,389

3 nufgL, shf{ tyf cGoaf6 cfo @ 594,962,104 562,920,004

4 aLdfn]vsf] lwtf]df shf{af6 cfo # 67,533,897 52,079,282

5 cGo k|ToIf cfo 14,272,287 8,954,065

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 103,747,619 81,649,136

7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 187,123,153 185,253,742 hDdf cfo -s_ 3,496,009,252 3,045,115,184 Joo

8 bfjL e'QmfgL -v'b_ $ 778,012,948 705,298,585

9 clestf{ sldzg % 230,841,092 207,952,245

10 :jf:Yo k/LIf0f z'Ns 3,396,883 2,217,305

11 k'gaL{df sldzg vr{ ” ”

12 ;]jf z'Ns -v'b_ ^ 23,961,909 20,137,026

13 cGo k|ToIf vr{ ” ”

14 Joj:yfkg vr{ & 192,762,933 168,379,329

15 cfos/ * 70,753,767 87,640,369

16 cfly{s aif{sf] cGTodf e'QmfgL x'g af+sL bfjL afkt Joj:yf ( 122,533,667 103,747,619

17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 207,065,602 187,123,153 hDdf Joo -v_ 1,629,328,800 1,482,495,631

18 hLjg aLdf sf]if÷gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ 1,718,352,275 1,366,703,553

19 gfkmf gf]S;fg lx;fadf ;f/]sf] gfkmf÷-gf]S;fg_ 148,328,177 195,916,001 cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . ;+nUg k|ltj]bg cg';f/

cfly{s aif{ @)&).)&! sf] hLjg aLdfsf]

Plss[t cfo Joo lx;fa

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

Page 27: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

23

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cfly{s aif{ @)&).)&! sf] ;fjlwshLjg aLdfsf]

cfo Joo lx;fa

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=cfo

1 aLdfz'Ns -v"b_ ! 1,339,992,199 1,176,838,906

2 k'gaL{df sldzg cfo 988,694 1,688,879

3 nufgL, shf{ tyf cGoaf6 cfo @ 408,437,573 398,116,933

4 aLdfn]vsf] lwtf]df shf{af6 cfo # 51,679,637 42,596,399

5 cGo k|ToIf cfo 8,007,652 5,133,872

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g af+sL bfjL afkt Joj:yf 51,360,539 37,590,961

7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf ” ” hDdf cfo -s_ 1,860,466,293 1,661,965,950 Joo

8 bfjL e'QmfgL -v'b_ $ 557,785,615 536,031,381

9 clestf{ sldzg % 98,467,119 97,302,846

10 :jf:Yo k/LIf0f z'Ns 1,259,741 1,179,004

11 k'gaL{df sldzg vr{ ” ”

12 ;]jf z'Ns -v'b_ ^ 13,399,922 11,768,389

13 cGo k|ToIf vr{ ” ”

14 Joj:yfkg vr{ & 98,561,687 88,624,671

15 cfos/ * 51,909,169 66,105,263

16 cfly{s aif{sf] cGTodf e'QmfgL x'g af+sL bfjL afkt Joj:yf ( 73,137,847 51,360,539

17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf ” ” hDdf Joo -v_ 894,521,100 852,372,093

18 hLjg aLdf sf]ifdf ;f/]sf] jrt 965,945,193 809,593,857

19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ ” ” cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . ;+nUg k|ltj]bg cg';f/

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

Page 28: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

24

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=cfo

1 aLdfz'Ns -v"b_ ! 245,161,397 167,676,740

2 k'gaL{df sldzg cfo 383,816 179,084

3 nufgL, shf{ tyf cGoaf6 cfo @ 59,051,404 56,609,548

4 aLdfn]vsf] lwtf]df shf{af6 cfo # 6,024,839 5,094,776

5 cGo k|ToIf cfo 2,270,881 1,526,704

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g aF+sL bfjL afkt Joj:yf 46,098,806 39,166,215

7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf

hDdf cfo -s_ 358,991,143 270,253,067 Joo ” ”

8 bfjL e'QmfgL -v'b_ $ 103,660,048 96,254,696

9 clestf{ sldzg % 26,466,975 13,158,382

10 :jf:Yo k/LIf0f z'Ns 1,066,459 138,349

11 k'gaL{df sldzg vr{ ” ”

12 ;]jf z'Ns -v'b_ ^ 2,451,614 1,676,767

13 cGo k|ToIf vr{ ” ”

14 Joj:yfkg vr{ & 17,300,814 12,679,136

15 cfos/ * 6,993,892 9,383,212

16 cfly{s aif{sf] cGTodf e'QmfgL x'g af+sL bfjL afkt Joj:yf ( 45,199,988 46,098,806

17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf ” ” hDdf Joo -v_ 203,139,790 179,389,348

18 hLjg aLdf sf]ifdf ;f/]sf] jrt 155,851,353 90,863,719

19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ ” ”cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . ;+nUg k|ltj]bg cg';f/

cfly{s aif{ @)&).)&! sf] clu|d e"QmfgL hLjg aLdfsf]

cfo Joo lx;fa

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

Page 29: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

25

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cfly{s aif{ @)&).)&! sf] DofbL hLjg aLdfsf]

cfo Joo lx;fa

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=cfo

1 aLdfz'Ns -v"b_ ! 179,248,631 162,697,476

2 k'gaL{df sldzg cfo 130,207,884 137,220,204

3 nufgL, shf{ tyf cGoaf6 cfo @ 12,047,871 14,815,801

4 aLdfn]vsf] lwtf]df shf{af6 cfo # ” ”

5 cGo k|ToIf cfo ” ”

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf ” ”

7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf 187,123,153 185,253,742 hDdf cfo -s_ 508,627,539 499,987,224 Joo

8 bfjL e'QmfgL -v'b_ $ 87,891,504 55,472,755

9 clestf{ sldzg % 31,330,875 29,257,682

10 :jf:Yo k/LIf0f z'Ns ” ”

11 k'gaL{df sldzg vr{ ” ”

12 ;]jf z'Ns -v'b_ ^ 1,792,486 1,626,975

13 cGo k|ToIf vr{ ” ”

14 Joj:yfkg vr{ & 32,218,896 30,590,658

15 cfos/ * ” ”

16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( ” ”

17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf 207,065,602 187,123,153 hDdf Joo -v_ 360,299,362 304,071,223

18 hLjg aLdf sf]ifdf ;f/]sf] jrt ” ”

19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ 148,328,177 195,916,001 cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . ;+nUg k|ltj]bg cg';f/

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

Page 30: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

26

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=cfo

1 aLdfz'Ns -v"b_ ! 615,783,975 489,899,563

2 k'gaL{df sldzg cfo 598,929 1,468,221

3 nufgL, shf{ tyf cGoaf6 cfo @ 110,788,760 89,304,407

4 aLdfn]vsf] lwtf]df shf{af6 cfo # 9,829,421 4,388,107

5 cGo k|ToIf cfo 3,992,848 2,292,177

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 6,259,525 4,863,210

7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf ” ” hDdf cfo -s_ 747,253,458 592,215,685 Joo

8 bfjL e'QmfgL -v'b_ $ 27,806,190 17,060,852

9 clestf{ sldzg % 73,914,860 67,657,561

10 :jf:Yo k/LIf0f z'Ns 1,049,333 868,033

11 k'gaL{df sldzg vr{ ” ”

12 ;]jf z'Ns -v'b_ ^ 6,157,840 4,898,996

13 cGo k|ToIf vr{ ” ”

14 Joj:yfkg vr{ & 43,283,206 34,975,747

15 cfos/ * 11,308,261 11,604,201

16 cfly{s aif{sf] cGTodf e'QmfgL x'g af+sL bfjL afkt Joj:yf ( 4,167,083 6,259,525

17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf ” ” hDdf Joo -v_ 167,686,771 143,324,915

18 hLjg aLdf sf]ifdf ;f/]sf] jrt 579,566,687 448,890,769

19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ ” ”

cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . ;+nUg k|ltj]bg cg';f/

cfly{s aif{ @)&).)&! sf] ?kfGt/Lt ;fjlws hLjg aLdfsf]

cfo Joo lx;fa

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

Page 31: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

27

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cfly{s aif{ @)&).)&! sf] ljz]if DofbL hLjg aLdfsf]

cfo Joo lx;fa

qm=;+= ljj/0f cg';"rL o; aif{ ?= ut aif{ ?=cfo

1 aLdfz'Ns -v"b_ ! 16,004,667 16,589,883

2 k'gaL{df sldzg cfo ” ”

3 nufgL, shf{ tyf cGoaf6 cfo @ 4,636,496 4,073,314

4 aLdfn]vsf] lwtf]df shf{af6 cfo # ” ”

5 cGo k|ToIf cfo 906 1,312

6 cfly{s aif{sf] z'?sf] e'QmfgL x'g afFsL bfjL afkt Joj:yf 28,750 28,750

7 cfly{s aif{sf] z'?sf] c;dfKt hf]]lvd afkt Joj:yf ” ” hDdf cfo -s_ 20,670,818 20,693,259 Joo

8 bfjL e'QmfgL -v'b_ $ 869,591 478,900

9 clestf{ sldzg % 661,262 575,774

10 :jf:Yo k/LIf0f z'Ns 21,351 31,918

11 k'gaL{df sldzg vr{ ” ”

12 ;]jf z'Ns -v'b_ ^ 160,047 165,899

13 cGo k|ToIf vr{ ” ”

14 Joj:yfkg vr{ & 1,398,330 1,509,117

15 cfos/ * 542,445 547,694

16 cfly{s aif{sf] cGTodf e'QmfgL x'g afFsL bfjL afkt Joj:yf ( 28,750 28,750

17 cfly{s aif{sf] cGTodf c;dfKt hf]lvd afkt Joj:yf ” ” hDdf Joo -v_ 3,681,776 3,338,052

18 hLjg aLdf sf]ifdf ;f/]sf] jrt 16,989,043 17,355,207

19 gfkmf gf]S;fg lx;fadf ;f/]sf] art÷-gf]S;fg_ ” ” cg';"rL ! b]lv ( ;Dd o;sf cleGg c+u x'g\ . ;+nUg k|ltj]bg cg';f/

la1fg >]i7k|aGws

ljQ ljefu

/flhj ljs|d zfx ;+rfns

lbef /f0ff ;+rfns

ejfgL /f0ff ;+rfns

k|]df /fHo nIdL l;+x cWoIf

8Da/ axfb'/ dNn;+rfns

lnnfdl0f Gof}kfg];+rfns

cf/= /fhsl0f{sf/ P08 sDkgL rf6{8{ Psfp06]06

e/t a:g]t k|d'v sfo{sf/L clws[t

s[i0f k|;fb zdf{ ;+rfns

s]= Pr= /f0ff ;+rfns

Page 32: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

28

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f o; aif{ ?= ut aif{ ?=s sf/f]af/ ;+rfngaf6 gub k|jfx M

aLdf z'Ns cfDbfgL 2,677,262,954 2,273,109,583 ljnDa z'Ns cfDbfgL 14,272,287 8,954,065 k'gaL{df z'Ns cfDbfgL ” ” k'gaL{df sldzg cfDbfgL 132,179,323 140,556,389 cGo k|ToIf cfDbfgL ” ” k'gaL{dsaf6 k|fKt bfjL l/se/L 119,227,960 90,078,319 k'gaL{df z'Ns e'QmfgL -295,033,237_ -243,942,115_k'gaL{df sldzg e'QmfgL ” ” clestf{ sldzg e'QmfgL -223,985,778_ -197,402,837_:jf:Yo k/LIf0f z'Ns e'QmfgL -3,396,883_ -2,217,305_d[To' bfjL e'QmfgL -242,748,081_ -189,036,647_cjlw ;dfKtL bfjL e'QmfgL -443,527,191_ -405,227,114_cf+lzs cjlw ;dfKtL bfjL e'QmfgL -62,985,250_ -67,705,527_;dk{0f d"No bfjL e'QmfgL -119,957,306_ -106,629,728_cGo bfjL e'QmfgL -28,023,080_ -26,777,887_;]jf z'Ns e'QmfgL -22,723,728_ -21,819,928_cGo k|ToIf vr{ ” ” z]o/ ;DaGwL vr{x? -2,440,832_ -628,151_Joj:yfkg vr{ e'QmfgL -201,098,946_ -279,993,113_sd{rf/L af]g; e'QmfgL -24,853,928_ -21,108,802_cfos/ e'QmfgL -1,000,000_ -1,500,000_Rffn' ;DklQdf -j[l4_÷sdL 48,454,279 -39,516,997_Rffn' bfloTjdf j[l4÷-sdL_ -120,703,324_ -44,966,983_sf/f]af/ ;+rfngaf6 v"b gub k|jfx -s_ 1,198,919,237 864,225,221

v nufgL ultljwLaf6 gub k|jfx ” ”l:y/ ;DklQdf -j[l4_ sdL -9,544,653_ -63,658,484_;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Ldf nufgLdf -j[l4_ sdL 177,200,000 158,500,000 a}+s tyf ljQLo ;+:yfsf] d'2tL lgIf]kdf nufgLdf -j[l4_ sdL -1,722,444,800_ -1,200,500,200_a}+s tyf ljQLo ;+:yfsf] cGo lgIf]k nufgLdf -j[l4_ sdL -147,581,102_ -318,522,132_OSo"6L z]o/ nufgLdf -j[l4_ sdL -308,600_ -4,769,000_cu|flwsf/ z]o/÷l8j]Gr/df nufgLdf -j[l4_ sdL -45,657,000_ 18,980,000 cGo nufgLdf -j[l4_ sdL -50,500_ -53,000_aLdfn]vsf] lwtf]df shf{df -j[l4_ sdL -187,719,168_ -154,841,910_k]ZsL tyf cGo shf{df -j[l4_ sdL 6,893,197 -21,482,438_e'QmfgL k|fKt Aofh cfDbfgL -nufgLdf_ 639,802,872 604,109,875 e'QmfgL k|fKt l8le8]G8 ” ” ef8f cfDbfgL ” ”e'QmfgL k|fKt Aofh cfDbfgL -shf{df_ 49,724,731 36,797,744 cGo ck|ToIf cfDbfgL÷vr{ ” ”nufgL ultljwLaf6 v"b gub k|jfx -v_ -1,239,685,023_ -945,439,543_

u ljQLo >f]t sf/f]af/af6 gub k|jfx ” ”z]o/af6 k|fKt /sd 163,904,220 ”ltg{ afFsL ;fk6Ldf -j[l4_÷sdL ” ”cNksflng C0fdf -j[l4_÷sdL ” ”C0f ;fk6Ldf Aofh e'QmfgL ” ”nfef+z e'QmfgL -87,733,975_ ”ljQLo >f]t sf/f]af/af6 v"b gub k|jfx -u_ 76,170,245 ”

o; jif{sf] ;Dk"0f{ ultljwLaf6 v"b gub k|jfx = -s_±-v_±-u_ 35,404,458 -81,214,322_ gub tyf a}+sdf /x]sf] z'? df}Hbft 135,474,494 216,688,817 gub tyf a}+sdf /x]sf] clGtd df}Hbft 170,878,952 135,474,495

@)&)÷)$÷)! b]lv @)&!÷)#÷#@ ;Ddsf]

gub k|jfxsf] ljj/0f

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29

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cf=j= @)&)÷)&! d

f

OSo"6

Ldf eP

sf] kl/jt{g

;DaGwL ljj/0f

ljj/

0f z

]o/ k

"FhL r'Qmf

;+lr

t gf

kmf÷

k

|:tflj

t af

]g; z

]o/

k"FhLu

t hu]8

f sf]if

z]o/

lk|ldod

ljz]if

hu]8

f sf]if

cGo

hu]8

f ty

f sf]if

dxfljkQ

L hu]8

f s

"n /

sd

gf]S;

fg

z'?

df}Hbft

501

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8

3,77

5,65

3 2

75,735

,350

” ”

2,965

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863

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af

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]o/ 2

75,735

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-27

5,73

5,35

0_ ”

” ”

” ”

-50

_

z]o/

ljq

mL 6

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,700

” ”

157,03

3,52

0 ”

” ”

163

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rfn

' jif{s

f] gf

kmf

” 2

18,8

85,73

3 ”

” ”

” ”

33,62

9,04

3 2

52,514

,776

k|:tflj

t a

f]g; z

]o/ ”

-23

5,18

2,90

0_ 2

35,182,90

0 ”

” ”

” ”

”8]km8{ c

fo s

/df ;dfo

f]hg

” -3,14

5,864

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” ”

” 3

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”k|:

tflj

t g

ub

nfe

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-62

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” ”

-62

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clGt

d d

f}Hbft

783,94

3,00

0 1

,617

,182

235

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0 ”

157,03

3,52

0 ”

6,110

,938

3

3,62

9,04

3 1

,217

,516

,583

;+nUg

k|lt

j]bg

cg';

f/

la1f

g >]i7

k|aGw

s

ljQ lje

fu

/flh

j ljs|d z

fx

;+rfn

s

lbe

f /f0ff

;+rfn

sejfgL

/f0ff

;+rfn

s

k|]df /fHo

nId

L l;

+x cWo

If

8Da/

axfb'/

dNn

;+rfn

sln

nfd

l0f Gof

}kfg]

;+rfn

s

cf/= /fhsl0f

{sf/ P

08 s

DkgL

rf6{8{ P

sfp

06]06

e/t

a:g

]t k|d

'v s

fo{sf/L clws[t

s[i0f k|;

fb z

df{

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ss]= Pr

= /f0ff

;+rfn

s

Page 34: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

30

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= aLdfsf] lsl;d s"n aLdfz'Ns k'gaL{df z'Ns e'QmfgL -Ceded_ aLdfz'Ns -v"b_o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

1 ;fjlws 1,348,870,874 1,184,288,422 8,878,675 7,449,516 1,339,992,199 1,176,838,906

2 clu|d e"QmfgL 246,799,245 168,638,227 1,637,848 961,487 245,161,397 167,676,740

3 ?kfGt/Lt ;fjlws 623,523,769 497,039,415 7,739,794 7,139,852 615,783,975 489,899,563

4 DofbL jLdf 439,664,399 404,046,518 260,415,769 241,349,042 179,248,631 162,697,476

5 ljz]if DofbL jLdf 18,404,667 19,097,001 2,400,000 2,507,118 16,004,667 16,589,883 hDdf 2,677,262,954 2,273,109,583 281,072,086 259,407,015 2,396,190,868 2,013,702,568

qm=;+= aLdfsf] lsl;d k|ToIf aLdfz'Ns k|fKt k'gaL{df z'Ns -Accepted_ s"n aLdfz'Nso; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

1 ;fjlws 1,348,870,874 1,184,288,422 ” ” 1,348,870,874 1,184,288,422

2 clu|d e"QmfgL 246,799,245 168,638,227 ” ” 246,799,245 168,638,227

3 ?kfGt/Lt ;fjlws 623,523,769 497,039,415 ” ” 623,523,769 497,039,415

4 DofbL jLdf 439,664,399 404,046,518 ” ” 439,664,399 404,046,518

5 ljz]if DofbL jLdf 18,404,667 19,097,001 ” ” 18,404,667 19,097,001 hDdf 2,677,262,954 2,273,109,583 ” ” 2,677,262,954 2,273,109,583

cg';"rL !

-s_ aLdfz'Ns -v'b_

-v_ s"n aLdfz'Ns

-u_ k|ToIf aLdfz'Ns qm=;+= aLdfsf] lsl;d k|yd aif{sf] aLdfz'Ns gjLs/0f aLdfz'Ns Psn aLdfz'Ns hDdf k|ToIf aLdfz'Ns

o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{ o; aif{ ut aif{! ;fjlws 215,959,283 173,656,816 1,132,911,591 1,010,631,606 ” ” 1,348,870,874 1,184,288,422 @ clu|d e"QmfgL 89,450,856 19,507,887 157,348,389 149,130,340 ” ” 246,799,245 168,638,227 # ?kfGt/Lt ;fjlws 154,996,716 135,673,163 468,527,054 361,366,252 ” ” 623,523,769 497,039,415 $ DofbL jLdf ” ” ” ” 439,664,399 404,046,518 439,664,399 404,046,518 % ljz]if DofbL jLdf 10,341,742 18,522,470 8,062,924 574,531 ” ” 18,404,667 19,097,001

hDdf 470,748,597 347,360,336 1,766,849,958 1,521,702,729 439,664,399 404,046,518 2,677,262,954 2,273,109,583

Page 35: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

31

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';"rL @

cg';"rL #

nufgL, shf{ tyf cGoaf6 cfo

aLdfn]vsf] lwtf]df shf{ / cfo

qm=;+= ljj/0f o; aif{ ut aif{ 1 ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6Laf6 cfo 104,041,024 120,831,438

2 jfl0fHo a}+ssf] d'2tL lgIf]kaf6 cfo 449,870,927 365,543,272

3 ljsf; a}+ssf] d'2tL lgIf]kaf6 cfo 32,552,326 49,635,586

4 gful/s nufgL of]hgfaf6 cfo ” ”

5 ljQLo ;+:yfsf] d'2tL lgIf]kaf6 cfo 505,283 3,891,979

6 cfjf; ljQ sDkgLsf] ;fwf/0f z]o/af6 nfef+z ” ”

7 cGo sDkgLsf] ;fwf/0f z]o/af6 nfef+z 29,158,791 15,611,486

8 a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/af6 nfef+z ” 14,795

9 a}+s tyf ljQLo ;+:yfsf] l8j]Gr/af6 cfo 23,679,693 29,909,377

10 cGo af6 cfo lk|ldod 9Lnf] e'QmfgLdf Aofh ” ”

11 s_ shf{af6 cfo -sd{rf/L sh{f_ 423,756 601,438 v_shf{af6 cfo -clestf{ sh{f_ 2,275,001 1,502,462

12 cGo lgIf]kaf6 -d'2tL afx]s_ cfo ” ”

13 nufgL laqmLdf gfkmf 2,704,000 3,000,000 Go"g nufgL laqmLdf gf]S;fg ” ”

14 nufgL -v/Lb_ df gfkmf ” ”Go"g nufgL -v/Lb_ df gf]S;fg ” ”

15 l:y/ ;DkQL laqmLaf6 gfkmf ” ”Go"g l:y/ ;DkQL laqmLaf6 gf]S;fg ” ”

16 vftf ckn]vg ” ”

17 cl3Nnf jif{;+u ;DalGwt cfo ” ”

18 cGo cfo - ljljw 112,949 134,264 ljlgdo b/ km/s cfDbfgL 3,057,995 5,226,495

hDdf 648,381,747 595,902,593 nufgL, shf{ tyf cGoaf6 cfosf] afF8kmfF8gfkmf gf]S;fg lx;fadf ;f/]sf] 53,419,642 32,982,589

1 ;fjlws sf] cfo Joo lx;fadf ;f/]sf] 408,437,573 398,116,933

2 clu|d e"QmfgL sf] cfo Joo lx;fadf ;f/]sf] 59,051,404 56,609,548

3 ?kfGt/Lt ;fjlws sf] cfo Joo lx;fadf ;f/]sf] 110,788,760 89,304,407

4 DofbL jLdf sf] cfo Joo lx;fadf ;f/]sf] 12,047,871 14,815,801

5 ljz]if Doflb sf] cfo Joo lx;fadf ;f/]sf] 4,636,496 4,073,314 hDdf 648,381,747 595,902,593

qm=;+= aLdfsf] lsl;d aLdfn]vsf] lwtf]df shf{ aLdfn]vsf] lwtf]df shf{af6 cfo o; aif{ ut aif{ o; aif{ ut aif{

! ;fjlws 549,924,322 437,027,892 51,679,637 42,596,399 @ clu|d e"QmfgL 71,985,002 55,225,582 6,024,839 5,094,776 # ?kfGt/Lt ;fjlws 125,183,823 67,120,505 9,829,421 4,388,107 $ DofbL jLdf ” ” ” ”% ljz]if DofbL jLdf ” ” ” ”

hDdf 747,093,147 559,373,979 67,533,897 52,079,282

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32

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';"rL $

bfjL e'QmfgL

qm=;+= aLdfsf] lsl;d d[To' bfjL e'QmfgL cjlw ;dfKtL bfjL e'QmfgL cf+lzs cjlw ;dfKtL bfjL e'QmfgL

;dk{0f d"No bfjL e'QmfgL

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ 1 ;fjlws 32,213,628 40,351,024 419,262,874 393,989,319 ” ” 92,936,664 86,339,793

2 clu|d e"QmfgL 1,988,977 2,261,353 23,797,548 10,928,995 62,985,250 67,705,527 12,263,333 11,712,291

3 ?kfGt/Lt ;fjlws 14,421,703 9,434,080 393,700 308,800 ” ” 14,699,788 8,568,244

4 DofbL jLdf 193,384,773 136,520,690 ” ” ” ” ” ”

5 ljz]if DofbL jLdf 739,000 469,500 73,069 ” ” ” 57,522 9,400 hDdf 242,748,081 189,036,647 443,527,191 405,227,114 62,985,250 67,705,527 119,957,306 106,629,728

qm=;+= aLdfsf] lsl;d cGo bfjL e'QmfgL s"n bfjL e'QmfgL s"n bfjL e'QmfgLdf k'gaL{dssf] lx:;f

bfjL e'QmfgL -v'b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ 1 ;fjlws 14,882,043 17,798,469 559,295,209 538,478,606 1,509,594 2,447,225 557,785,615 536,031,381

2 clu|d e"QmfgL 2,859,271 3,798,585 103,894,378 96,406,750 234,330 152,054 103,660,048 96,254,696

3 ?kfGt/Lt ;fjlws 226,550 ” 29,741,741 18,311,124 1,935,551 1,250,272 27,806,190 17,060,852

4 DofbL jLdf 10,055,215 5,180,833 203,439,988 141,701,523 115,548,485 86,228,768 87,891,504 55,472,755

5 ljz]if DofbL jLdf ” ” 869,591 478,900 ” ” 869,591 478,900 hDdf 28,023,080 26,777,887 897,240,908 795,376,903 119,227,960 90,078,319 778,012,948 705,298,585

qm=;+= aLdfsf] lsl;d k|yd aif{sf] aLdfz'Nsdf clestf{ sldzg

gjLs/0f aLdfz'Nsdf clestf{ sldzg

Psn aLdfz'Nsdf clestf{ sldzg

hDdf clestf{ sldzg

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{1 ;fjlws 44,749,930 37,712,838 53,717,190 59,590,007 ” ” 98,467,119 97,302,846

2 clu|d e"QmfgL 17,801,363 4,349,284 8,665,613 8,809,098 ” ” 26,466,975 13,158,382

3 ?kfGt/Lt ;fjlws 36,647,251 32,479,509 37,267,608 35,178,053 ” ” 73,914,860 67,657,561

4 DofbL jLdf ” ” ” ” 31,330,875 29,257,682 31,330,875 29,257,682

5 ljz]if DofbL jLdf 657,062 569,766 4,200 6,009 ” ” 661,262 575,774 hDdf 99,855,606 75,111,397 99,654,611 103,583,166 31,330,875 29,257,682 230,841,092 207,952,245

cg';"rL ^

cg';"rL %

;]jf z'Ns -v'b_

clestf{ sldzg

qm=;+= aLdfsf] lsl;d s"n ;]jf z'Ns s"n ;]jf z'Nsdf k'gaL{dssf] lx:;f

;]jf z'Ns -v"b_

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{! ;fjlws 13,488,709 11,842,884 88,787 74,495 13,399,922 11,768,389 @ clu|d e"QmfgL 2,467,992 1,686,382 16,378 9,615 2,451,614 1,676,767 # ?kfGt/Lt ;fjlws 6,235,238 4,970,394 77,398 71,399 6,157,840 4,898,996 $ DofbL jLdf 4,396,644 4,040,465 2,604,158 2,413,490 1,792,486 1,626,975 % ljz]if DofbL jLdf 184,047 190,970 24,000 25,071 160,047 165,899 hDdf 26,772,630 22,731,096 2,810,721 2,594,070 23,961,909 20,137,026

Page 37: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

33

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';"rL &

Joj:yfkg vr{qm=;+= ljj/0f o; aif{ ut aif{

1 sd{rf/L vr{ -cg';"rL &=! adf]lhd_ ” 106,224,316 100,543,790 2 3/ ef8f ” 11,456,053 10,928,056 3 lah'nL tyf kfgL ” 2,157,804 1,706,427 4 dd{t tyf ;Def/ ” 1,791,578 1,681,191

-s_ ejg 239,978 ” ” -v_ ;jf/L ;fwg 596,166 ” ” -u_ sfof{no pks/0f 290,710 ” ” -3_ cGo 664,724 ” ”

5 ;+rf/ ” 4,981,199 5,603,766 6 5kfO{ tyf d;nGb ” 10,527,812 12,298,463 7 vr{ x'g] sfof{no ;fdfg ” 3,501,665 3,799,338 8 kl/jxg ” 38,654 48,673 9 e|d0f vr{ -eQf ;d]t_ ” 1,497,355 1,745,161

-s_ cfGtl/s 1,256,275 ” ” -v_ j}b]lzs 241,080 ” ”

10 clestf{ tflnd ” 2,926,976 3,543,007 11 clestf{ cGo ” 42,794,701 14,145,834 12 aLdfz'Ns ” 1,004,835 972,754 13 ;'/Iff vr{ ” 118,745 60,425 14 sfg"gL tyf k/fdz{ z'Ns ” 578,064 765,488 15 kq klqsf tyf k':ts ” 109,487 112,261 16 lj1fkg tyf k|rf/ k|;f/ ” 1,442,960 2,310,860 17 Jofkf/ k|j4{g ” 879,978 2,515,523 18 cltyL ;Tsf/ ” 117,262 529,615 19 rGbf tyf pkxf/ ” 382,925 566,750 20 ;+rfns ;ldlt ;DaGwL vr{ ” 785,126 946,426

-s_ a}7s eQf 633,000 ” ” -v_ cGo 152,126 ” ”

21 cGo ;ldlt÷pk–;ldlt ;DaGwL vr{ ” 146,250 247,250 -s_ a}7s eQf 146,250 ” ” -v_ cGo ” ” ”

22 ;fwf/0f ;ef ;DaGwL vr{ ” 762,451 608,115 23 -s_ aLdfÍLo ;]jf z'Ns 880,000 880,000 1,149,511

-v_ aLdfÍLo vr{ ” ” ”24 n]vf k/LIf0f ;DaGwL vr{ ” 448,428 522,373

-s_ n]vf k/LIf0f z'Ns 141,250 ” ” -v_ s/ n]vf k/LIf0f z'Ns 67,800 ” ” -u_ lj:t[t n]vf k/LIf0f k|ltj]bg z'Ns 16,950 ” ” -3_ cGo z'Ns ” ” ” -ª_ cfGtl/s n]vf k/LIf0f vr{ 176,563 ” ” -r_ cGo vr{ 45,865 ” ”

25 Aofh ” ” 71,014 26 a}s rfh{ ” 367,368 411,275 27 z'Ns tyf b:t'/ ” 542,993 26,000 28 x|f; s§L ” 5,764,394 6,251,048 29 x'nfs l6s6 vr{ ” 992,692 1,149,541 30 cGo ” 11,627,436 ”

aLdfn]]]v l6s6 vr{ 3,119,547 ” 4,359,217 gljs/0f z'Ns 113,254 ” 128,010 ;jf/L ;fwg gjLs/0f 440,289 ” 480,982 /ht hoGtL ;df/f]x vr{ 211,582 ” 124,178 a}b]lzs d'b|f cjd'Nog ” ” ” OGwg 6,813,307 ” 6,389,439 ;'rgf k|jfx vr{ 929,457 ” 346,379 afF8 kmfF8sf] nflu hDdf ” 214,849,504 187,088,143 afF8 kmfF8 ” ” ” gfkmf gf]S;fg lx;fadf ;f/]sf] ” 22,086,572 18,708,814

1 ;fjlwssf] cfo Joo lx;fadf ;f/]sf] ” 98,561,687 88,624,671 2 clu|d e'QmfgLsf] cfo Joo lx;fadf ;f/]sf] ” 17,300,814 12,679,136 3 ?kfGt/Lt ;fjlwssf] cfo Joo lx;fadf ;f/]sf] ” 43,283,206 34,975,747 4 DofbL jLdfsf] cfo Joo lx;fadf ;f/]sf] ” 32,218,896 30,590,658 5 ljz]if Doflbsf] cfo Joo lx;fadf ;f/]sf] ” 1,398,330 1,509,117

hDdf ” 214,849,504 187,088,143

Page 38: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

34

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f o; aif{ ut aif{ ! tna 39,831,658 38,510,436 @ eQf 44,167,016 36,935,000 # bz}+ vr{ 3,197,870 2,936,890 $ ;~ro sf]ifdf yk 1,244,251 2,614,384 % tflnd vr{ 130,507 1,460,735 ^ kf]zfs 126,466 93,238 & cf}ifwf]krf/ ” 2,384 * aLdf 9,992,884 5,684,527 ( k]G;g tyf pkbfg vr{ tyf Joj:yf 2,762,607 2,807,898 !) ljbf afktsf] vr{ tyf Joj:yf 3,668,552 9,150,864 !! cGo sd{rf/L lgo'lQm vr{ 75,954 27,040 !@ cGo sd{rf/L ;DaGwL vr{ 1,026,552 320,395 hDdf 106,224,316 100,543,790

sd{rf/L vr{

qm=;+= ljj/0f o; aif{ ut aif{1 o; aif{sf] cfos/ 86,472,830 86,952,465

2 cl3Nnf aif{x?sf] cfos/ -10,470,273_ 3,736,677

3 afF8kmfF8sf] nflu cfos/sf] hDdf 76,002,557 90,689,142

4 o; jif{sf] :yug s/ ” ”afF8kmfF8 gfkmf gf]S;fg lx;fadf ;f/]sf] -u_Ö-s_–-v_ 2,102,927 50,547 s_ afF8kmfF8 af6 cfPsf] cfos/ 5,248,791 3,048,773 v_ o; jif{sf] :yug s/ 3,145,864 2,998,226

1 ;fjlws sf] cfo Joo lx;fadf ;f/]sf] 51,909,169 66,105,263

2 clu|d e"QmfgL sf] cfo Joo lx;fadf ;f/]sf] 6,993,892 9,383,212

3 ?kfGt/Lt ;fjlws sf] cfo Joo lx;fadf ;f/]sf] 11,308,261 11,604,201

4 DofbL jLdf sf] cfo Joo lx;fadf ;f/]sf] ” ”

5 ljz]if Doflb sf] cfo Joo lx;fadf ;f/]sf] 542,445 547,694 hDdf 76,002,557 90,689,142

cg';"rL *

cfos/

Page 39: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

35

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+=

aLd

fsf] ls

l;d

e'Qmfg

L x'g

afFs

L cGo

bfjL

;[hgf

ePs

f] t/

hfg

sf/Ld

f gc

fPsf]

bfjL

-cg'd

flgt_

e'Qmfg

L x'g

afFs

L hDd

f bfjL

e'Qmfg

L x'g

afFs

L hDd

f bfjLdf k'g

aL{dssf] lx:;

f e'Qmfg

L x'g

afFs

L v'b

bfjL

e'Qmfg

L x'g

afFs

L bfjL

afkt

Joj:

yf

o; j

if{ u

t ji

f{ o

; j

if{ u

t ji

f{ o

; j

if{ u

t ji

f{ o

; j

if{ u

t ji

f{ o;

jif{

ut j

if{o;

jif{

ut j

if{1

;fjlws

23,876

,021

1

7,10

0,69

6 ”

” 6

5,481,00

3 46,54

4,214

1,882,876

1

,882,876

6

3,59

8,127

4

4,661

,338

7

3,13

7,847

51,36

0,53

9

2 clu

|d e

"Qmfg

L 4

,376

,826

2

,275

,821

” 3

9,59

0,05

1 40,28

5,91

8

285,71

4

200

,000

3

9,30

4,337

40,08

5,91

8

45,19

9,98

8

46,09

8,8

06

3 ?k

fGt/Lt

;fjlws

” ”

” ”

3,623

,550

5

,443,06

5 ”

” 3

,623

,550

5

,443,06

5 4

,167

,083

6,259

,525

4

DofbL jLdf

” ”

” ”

” ”

” ”

” ”

” ”

5 ljz]if

DofbL j

Ldf

” ”

” ”

25,00

0 2

5,00

0 ”

” 2

5,00

0 2

5,00

0 2

8,750

2

8,750

hDd

f 2

8,252

,848

19,37

6,51

7 10

8,719

,605

9

2,29

8,197

2,16

8,590

2

,082,876

10

6,55

1,01

5 9

0,21

5,32

1 1

22,533

,667

1

03,747,61

9

qm=;

+= a

Ldfs

f] ls

l;d

e'Qmfg

L x'g

afFs

L d[To

' bfjL

e'Qmfg

L x'g

afFs

L cjlw

;dfKt

L bfjL

e'Qm

fgL x

'g afFsL c

f+lzs c

jlw

;df

KtL

bfjL

e'Qmfg

L x'g

afFs

L ;dk{0

f d"No

bfjL

o; j

if{ u

t ji

f{ o

; j

if{ u

t ji

f{ o

; j

if{ u

t ji

f{ o

; j

if{ u

t ji

f{ 1

;fjlws

24,281,18

6 2

0,39

7,22

6 1

7,15

7,91

0 8

,874

,184

” ”

165

,886

172

,108

2 clu

|d e

"Qmfg

L 7

,598

,403

7

,119

,353

3

,593

,103

5

56,775

2

3,98

0,00

0 3

0,29

2,25

0 4

1,71

9 4

1,71

9

3 ?k

fGt/Lt ;

fjlws

3,364

,750

5

,443,06

5 2

58,8

00

” ”

” ”

4

DofbL jLdf

” ”

” ”

” ”

” ”

5 ljz]if

DofbL jLdf

25,00

0 2

5,00

0 ”

” ”

” ”

”hDd

f 3

5,26

9,34

0 3

2,98

4,645

21,00

9,812

9

,430

,959

2

3,98

0,00

0 3

0,29

2,25

0 2

07,605

2

13,8

27

cg';

"rL (

cfly

{s j

if{sf] cGTod

f e'Q

mfgL x'g

afFsL bfjL a

fkt

Joj:yf

qm=;

+=ljj/

0fo;

aif{

ut a

if{1

;fjlws

2 clu

|d e

"Qmfg

L ”

3 ?k

fGt/Lt ;

fjlws

4

DofbL jLdf

148,328

,177

1

95,916

,001

5 ljz]if

DofbL jLdf

hDd

f 1

48,328

,177

1

95,916

,001

cg';

"rL !)

cfo Joo

lx;

fax?

af6

gfkmf gf]S;

fg lx;

fadf ;

f/]sf] /s

d

Page 40: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

36

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';

"rL !!

hLjg

aLdf s

f]if

qm=;

+=aL

dfs

f] ls

l;d

;dfo

f]hg

cuf

8Lsf] hLj

g aL

df sf]if

-jif{s

f] z'?d

f_cfo

Joo

lx;

faaf

6 ;f/]sf]

gfkmf gf

]S;fg

lx;fa

af6

;f/]sf]

hu]8

f sf]ifaf

6 ;f/]sf]

;dfo

f]hg

cuf

8Lsf] hLj

g aL

dfs

f]if

-jif{s

f] cGTod

f_o;

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{

ut j

if{o;

jif{

ut j

if{ o

; j

if{ ut

jif{

1

;fjlws

6,212

,585,93

6 5,59

5,14

4,745

965

,945,19

3 8

09,593

,857

7

,178

,531

,128

6

,404

,738

,603

2

clu

|d e

"Qmfg

L 8

37,922

,763

7

74,8

67,000

1

55,8

51,353

9

0,863

,719

9

93,774

,116

8

65,730

,719

3

?kfGt

/Lt ;

fjlws

1,157

,697

,706

7

63,906

,673

5

79,566

,687

448,8

90,769

1

,737

,264

,392

1

,212

,797

,443

4

DofbL jLdf

5

ljz]if

DofbL jL

df

58,728

,385

43,62

9,479

1

6,98

9,04

3 1

7,35

5,20

7 ”

7

5,71

7,428

6

0,98

4,686

hDd

f M

8,266

,934

,789

7,177

,547,897

1

,718

,352

,275

1

,366

,703

,553

9,98

5,28

7,06

4

8,544,251

,450

hLjg

aLdf s

f]ifdf ;

dfof]hg

qm=;

+=aL

dfs

f] ls

l;d

;dfo

f]hg

cuf

8Lsf] hLj

g aL

df sf]if

-jif{s

f] cGTod

f_gf

kmf gf

]S;fg

lx;

fadf ;f/]sf]

aLdfn

]v c

Gtu{t

bfloTj

af]g;

sf] nflu

Jo

j:yf

;f]Ne]G;

L dflh

{gsf] nflu

Joj

:yf

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ut

aif{

o; a

if{ ut

aif{

o; a

if{ ut

aif{

1

;fjlws

7,178

,531

,128

6

,404

,738

,603

5

3,71

2,33

1 1

92,152

,667

2

clu

|d e

"Qmfg

L 9

93,774

,116

8

65,730

,719

7

,932

,867

2

7,807

,956

3

?kfGt

/Lt ;

fjlws

1,737

,264

,392

1

,212

,797

,443

21,37

7,13

0 5

5,09

9,73

7 ”

4

DofbL jLdf

5

ljz]if

DofbL jL

df

75,71

7,428

6

0,98

4,686

19,836

,680

2,256

,301

hDd

f M

9,98

5,28

7,06

4

8,544,251

,450

1

02,8

59,008

2

77,316

,661

qm=;

+=aL

dfs

f] ls

l;d

afF8k

mfF8 g

ul/P

sf] /s

dji

f{sf] cGTod

f hLj

g aL

df sf]if

o; a

if{ut

aif{

o; a

if{ut

aif{

1

;fjlws

7,124

,818

,797

6

,212

,585,93

6

2

clu

|d e

"Qmfg

L ”

9

85,841,24

9 8

37,922

,763

3

?kfGt

/Lt ;

fjlws

1,715

,887,26

2 1

,157

,697

,706

4

DofbL jLdf

5

ljz]if

DofbL jL

df

55,880,74

8

58,728

,385

hDd

f M

9,8

82,428

,056

8

,266

,934

,789

Page 41: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

37

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f o; aif{ ut aif{!= nufgLdf gf]S;fgLsf] nflu Joj:yf lkmtf{ ” 200,000 @= shf{df gf]S;fgLsf] nflu Joj:yf lkmtf{ ” ” #= z+sf:kb cf;fdL Joj:yf lkmtf{ ” ” $ cGo Joj:yf lkmtf{ lx;fa ;/]G8/ Sn]d ” 12,741 % cGo Joj:yf lkmtf{ lx;fa k'gaL{dsnfO{ ltg'{kg]{ ” ”

hDdf ” 212,741

cg';"rL !@

cg';"rL !#

cg';"rL !# s

cg';"rL !$

Joj:yf lkmtf{

ckn]vg vr{x?

z]o/ ;DaGwL vr{x?

cGo vr{x?

qm=;+= ljj/0f o; aif{ ut aif{1 k|f/lDes vr{x? ” ”

2 k"j{ ;+rfng vr{x? ” ”

3 k/ ;fl/Psf vr{x? ” ”

4 ckn]vg ul/Psf] nufgL ” ”

5 ckn]vg ul/Psf] shf{ ” ”

6 ckn]vg ul/Psf] cf;fdL ” ”

7 cGo ckn]vg ” ”

hDdf ” ”

qm=;+= ljj/0f o; aif{ ut aif{

1 z]o/ lgZsf;g vr{ 2,099,567 ”

2 z]o/ /lhi6«];g vr{ ” 628,151

3 z]o/ ;'lrs/0f vr{x? 300,000 ”

4 nfef+z lat/0f vr{ ” ”

5 z]o/ ;DaGwL cGo vr{ 41,266 ”

hDdf 2,440,832 628,151

qm=;+= ljj/0f o; aif{ ut aif{1 b08 hl/jfgf ” ”

2 ljnDa z'Ns hl/jfgf ” ”

3 cGo -ljj/0f v'nfpg]_ ” ”hDdf ” ”

Page 42: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

38

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f o; aif{ ut aif{! nufgLdf gf]S;fgLsf] nflu Joj:yf ” ” @ shf{df gf]S;fgLsf] nflu Joj:yf ” ” # z+sf:kb cf;fdL Joj:yf ” ” $ cGo Joj:yf ” ” hDdf ” ”

cg';"rL !%

cg';"rL !^

gf]S;fgLsf] nflu Joj:yf

-s_ z]o/ k"FhL

-v_ z]o/ :jfldTjsf] ;+/rgf

qm=; laj/0f o; aif{ ut jif{1 clws[t k"FhL

s_ ?= !)). b/sf] !,)),)),))) yfg ;fwf/0f z]o/ 2,000,000,000 1,000,000,000 v_ ?=============== b/sf] ======= yfg ckl/jt{gLo cu|flwsf/ z]o/ ” ” u_ ?=============== b/sf] ======== yfg kl/jt{{gLo cu|flwsf/ z]o/ ” ”

2 hf/L k'FhL ” ”

s_ ?= !)).– b/sf] 10,000,000 yfg ;fwf/0f z]o/ 1,000,000,000 501,337,000 v_ ?=============== b/sf] ======= yfg ckl/jt{gLo cu|flwsf/ z]o/ ” ” u_ ?=============== b/sf] ======== yfg kl/jt{{gLo cu|flwsf/ z]o/ ” ”

3 r'Qmf k"FhL ” ”

s_ ?= !)).– b/sf] 7,839,430 yfg ;fwf/0f z]o/ 783,943,000 501,337,000 v_ ?=============== b/sf] ======= yfg ckl/jt{gLo cu|flwsf/ z]o/ ” ” u_ ?=============== b/sf] ======= yfg kl/jt{gLo cu|flwsf/ z]o/ ” ” hDdf 783,943,000 501,337,000

z]o/ wgL o; jif{ ut jif{ ;fwf/0f z]o/ ;+Vof :jfldTjsf] Ü ;fwf/0f z]o/ ;+Vof :jfldTjsf] Ü

g]kfnL ;+ul7t ;+:yfx¿ ->L /fli6«o jfl0fHo a}s_ 797,940 10 514,800 10 g]kfnL gful/s 4,221,237 53 2,635,876 53 lab]zL 167,422 2 108,014 2 hDdf 5,186,599 65 3,258,690 65

;j{;fwf/0f 2,652,831 35 1,754,680 35 cGo ” ” ” ” s'n 7,839,430 100 5,013,370 100

;+:y

fks

Page 43: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

39

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';"rL !&

cg';"rL !*

hu]8f tyf sf]if

dxf–ljklQ hu]8f

u= Ps k|ltzt jf a9L z]o/ :jfldTj ePsf z]o/wgLx?sf] laj/0fqm=; laj/0f o; jif{ ut jif{

:jfldTjsf] Ü /sd :jfldTjsf] Ü /sd1 >L l;4]Zj/ s'df/ l;+x 12=77 100,049,600 14=47 71,548,100

2 >L /fli6«o jfl0fHo a}s 10=18 79,794,000 10=00 51,480,000

3 >L g]kfn OGe]i6d]G6 a}+s lnld6]8 5=74 44,950,000 5=78 29,000,000

4 >L /0f axfb'/ zfx 5=30 41,543,700 5=35 26,802,400

5 >LdtL l/tf dNn 4=41 34,577,400 4=45 22,308,000

6 >LdtL k|]df /fHo nIdL l;+x 2=82 22,101,900 2=84 14,259,300

7 >L O{Zj/L l/dfn 2=27 17,802,500 2=29 11,485,500

8 >L l:ns sf]6 ln= 2=14 16,742,200 2=15 10,801,400

9 >L x[bo]Zj/ s'df/ l;+x 1=62 12,337,100 ” ”

10 >L /flha laqmd zfx 1=53 11,969,900 1=54 7,722,000

11 >LdtL ef/tL u'?Ë 1=36 10,685,500 1=38 6,893,900

12 >L lh=lk=dlNn 1=36 10,639,200 1=37 6,864,000

13 >L s]=lk dlNn 1=36 10,639,200 1=37 6,864,000

14 >LdtL t]hZjL /fh]Zj/L /f0ff 1=29 10,135,800 1=57 7,889,200

15 >L e/t axfb'/ a:g]t 1=14 8,956,700 1=15 5,778,500

16 >L /fhs'df/ ltldN;Lgf 1=04 8,118,600 1=04 5,237,800

qm=;+= ljj/0f o; aif{ ut aif{! :yug s/ hu]8f 6,110,938 2,965,074 @ k"FhLut hu]8f ” ” # ljz]if hu]8f ” ” $ cGo hu]8f ” ” % z]o/ lk|ldod 157,033,520 ” ^ k|:tfljt af]gz z]o/ 235,182,900 275,735,350 & k'Flhs[t x'g afFsL af]g; z]o/ ” ” * Gffkmf gf]S;fg lx;faaf6 ;f/]sf] gfkmf 1,617,182 83,775,653

hDdf 399,944,540 362,476,077

jif{sf] z'?df dxf–ljklQ hu]8f gfkmf gf]S;fg lx;faaf6 ;f/]sf] jif{sf] cGTodf dxf–ljklQ hu]8f

o; jif{ ut jif{ o; jif{ ut jif{ o; jif{ ut jif{

” ” 33,629,043 ” 33,629,043 ”

” ” 33,629,043 ” 33,629,043 ”

Page 44: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

40

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';

"rL !(

cg';

"rL @)

ltg{

afFsL bL3{sfln

g C0f t

yf ;fk6L

l:y/ ;DklQ

qm=;

+=ljj/

0fo;

aif{

ut a

if{!

l8j]G

r/

÷ a

08 ”

”@

a}+s ”

”#

ljQLo

;+:y

f ”

”$

cGo

”hDd

f ”

ljj/

0f k

/n d

f]n

Xf;

s§L

v"b

df]n

z'?

df}Hbft

o; j

if{ yk

]sf]

o; j

if{ 36]s

f] h

Ddf

ut

jif{;

Dd

o; j

if{ laq

mL÷

hDd

f o

; j

if{;Dd

sf]

Uft

jif{;

Ddsf]

;dfo

f]hg

lk|m xf]N8

hld

g 3

86,58

8,4

96

386,58

8,4

96

386,58

8,4

96

386,58

8,4

96

ejg

10,56

5,35

1 ”

1

0,56

5,35

1 6

,121

,948

222

,170

6

,344,119

4

,221

,233

4

,443,403

kmlg{r/

tyf lkmS;\r;{

12,68

0,21

9 1

,325

,311

1

4,005

,530

4

,655

,862

1

,097

,504

5

,753

,366

8

,252

,164

8

,024

,357

sfo

f{no

;fd

fg 1

4,135

,171

1

,634

,346

15,76

9,51

7 6

,976

,822

1

,613

,176

8

,589,99

8

7,179

,519

7

,158

,349

sDKo"6

/ tyf ;"rgf

k|ljwL

pks

/0f

15,99

3,36

5 2

,241,77

3 ”

1

8,235

,138

9

,902

,469

1

,064

,963

1

0,96

7,432

7

,267

,705

6

,090

,896

cb[Z

o ;Dk

lQ ”

;jf/L ;

fwg

9,682,77

7 ”

9

,682,77

7 5

,197

,676

8

97,020

6

,094

,696

3

,588,081

4,4

85,10

1 ln

h x

f]N8 ;

DklQ

7,391

,987

644,8

22

8,036

,809

1

,801

,810

8

52,597

2

,654

,407

5

,382,402

5

,590

,177

cGo

-;fO{sn_

202

,169

1

8,750

2

20,919

1

43,99

4

16,96

4

160

,958

5

9,96

1 5

8,175

hDd

f 4

57,239

,535

5

,865

,001

4

63,104

,536

3

4,8

00,582

5,764

,394

4

0,56

4,975

4

22,539

,561

4

22,4

38,953

lgdf{0fflwg

k"FhLu

t vr{

183,01

4,359

9

,444,044

192

,458

,403

1

92,4

58,4

03

183,01

4,359

s"n

640,25

3,894

1

5,30

9,04

5 ”

6

55,562

,939

3

4,8

00,582

5,764

,394

4

0,56

4,975

6

14,997

,964

6

05,4

53,312

ut

jif{

570

,342,06

2 6

9,90

9,53

2 ”

6

40,25

3,894

2

8,547,23

2 6

,251

,048

34,798

,280

218

,867

,118

54

1,79

4,8

24

Page 45: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

41

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f o; aif{ ut aif{-s_ bL3{sflng nufgL M! ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 477,800,000 1,181,671,000 @ jfl0fHo a}+ssf] d'2tL lgIf]k 840,000,000 1,375,000,000 # ljsf; a}+ssf] d'2tL lgIf]k 70,000,000 215,000,000 $ gful/s nufgL of]hgf 37,500,000 37,500,000 % ljQLo ;+:yfsf] d'2tL lgIf]k ” ” ^ cfjf; ljQ sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ ” ” & cGo sDkgLsf] ;fwf/0f z]o/ -cg';"rL @!=! adf]lhd_ 306,297,703 305,989,103 * a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ 266,058,000 212,901,000 ( s_ cGo NCM Mutual Fund ” ”

v_ cGo ;xfos sDkgL 112,500,000 112,500,000 u_ cGo ljB't j08 ” ” 3_ cGo ;'gsf] l;Ssf 332,039 281,539 hDdf 2,110,487,742 3,440,842,642

-v_ cNksflng nufgL M! ;/sf/L / ;/sf/sf] hdfgt k|fKt ;]So"l/6L 776,071,000 249,400,000 @ jfl0fHo a}+ssf] d'2tL lgIf]k 6,018,250,000 3,598,805,200 # ljsf; a}+ssf] d'2tL lgIf]k 191,000,000 195,500,000 $ gful/s nufgL of]hgf ” ” % ljQLo ;+:yfsf] d'2tL lgIf]k ” 12,500,000 ^ a}+s tyf ljQLo ;+:yfsf] cu|flwsf/ z]o/÷l8j]Gr/ ” 7,500,000 & a}+s tyf ljQLo ;+:yfsf] Aofh k|fKt x'g] cGo lgIf]k 688,898,775 541,317,673 * cGo

hDdf 7,674,219,775 4,605,022,873

cg';"rL @!

nufgL

Page 46: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

42

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';"rL @!=!

cg';"rL @@

z]o/df nufgL

gub tyf a}+s df}Hbft

qm=;+= sDkgL z]o/ ;+Vof c+lst d'No ahf/ b/ k/n d'No ahf/ d'No;'rLs[t sDkgLdf nufgL

1 OG6/g]zgn lnlhª P08 kmfOgfG; sDkgL 2,525,847 100 243 232,097,500 613,780,821

2 lahg]z o'lge;{n 8]enkd]G6 a}{s 20,333 100 219 1,450,100 4,452,927

3 Pg=cfO=l8=l;=Soflk6n dfs]{6\; 81,750 100 201 2,700,000 16,431,750

4 k|"8]lG;on ljlQo ;+:yf 51,480 100 152 4,680,000 7,824,960

5 uf]/vsfnL /a/ pBf]u 3,001 100 ” 300,100 ”

6 Hof]lt :kfOlgª ldN; ln= 650 100 ” 65,000 ”

7 g]kfn lkmNd pBf]u ln= 80 100 ” 8,000 ”

8 ;f]N6L xf]6]n ln= 147,598 10 581 1,200,000 85,754,438

9 gful/s nufgL sf]if 104,459 100 3,390 1,778,000 354,116,010

10 a}+s ckm sf7df08f}+ 78,977 100 553 28,736,903 43,674,281

11 tf/f uf+p l/h]G;L xf]6]n 2,970 100 309 297,000 917,730

12 glan a}+s ln= 22,050 100 2,535 19,896,253 55,896,750

13 lrlnd] xfO8«f]kfj/ lnld6]8 3,214 100 2,736 1,672,518 8,793,504

14 Pe/]i6 a}+s lnld6]8 5,025 100 2,631 3,628,129 13,220,775

15 hgtf a}+s lnld6]8 27,919 100 320 2,710,600 8,934,080

16 d]uf a}+s lnld6]8 7,309 100 449 730,900 3,281,741

17 l;len a}+s lnld6]8 20,381 100 330 2,038,100 6,725,730

18 Unf]an cfOPdO a}{s 13,289 100 695 2,000,000 9,235,855

19 ;]Gr"/L sdl;{on a}+s 3,086 100 331 308,600 1,021,466 hDdf 3,119,418 306,297,703 1,234,062,818

qm=;+= ljj/0f o; aif{ ut aif{ ! gub df}Hbft 7,361 10,000 hDdf 7,361 10,000 @

s

v

u

3

a}+s df}Hbftjfl0fHo a}+sx?sf] df}Hbft 161,632,084 111,157,965 ljsf; a}+sx?sf] df}Hbft 2,271,691 13,485,528 ljQLo ;+:yfx?sf] df}Hbft 6,967,816 10,821,001 cGo ” ”

hDdf 170,871,591 135,464,494 s"n 170,878,952 135,474,494

Page 47: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

43

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f o; aif{ ut aif{

-s_ bL3{sflng shf{! clestf{nfO{ shf{ 64,191,415 68,091,416

@ sd{rf/LnfO{ shf{ 21,741,190 24,982,840

# cGo ” ”

hDdf 85,932,605 93,074,256

-v_ cNksflng shf{ ” ”

! clestf{nfO{ shf{ 1,440,322 2,053,918

@ sd{rf/LnfO{ shf{ 5,726,950 4,864,900

# cGo ” ”

hDdf 7,167,273 6,918,817

s'n hDdf 93,099,877 99,993,074

cg';"rL @#

cg';"rL @$

cGo shf{

cGo ;DklQqm=;+= ljj/0f o; aif{ ut aif{ 1 nufgLaf6 k|fKt x'g afFsL cfo 46,432,744 37,853,870

2 aLdfn]vsf] lwtf]df shf{af6 k|fKt x'g afFsL Aofh 85,547,279 67,738,113

3 cGo -aLdfn]vsf] lwtf]df afx]s_ shf{af6 k|fKt x'g afFsL Aofh ” ”

4 cGo aLdsaf6 k|fKt x'g afFsL ” ”

5 k'gaL{dsaf6 k|fKt x'g afFsL ” ”

6 ljljw cf;fdL 9,363,121 6,162,545

7 clu|d e'QmfgL 13,159,466 12,409,886

8 sd{rf/L k]ZsL 3,360,830 3,354,432

9 cGo k]ZsL 425,000 325,000

10 w/f}6L 1,388,652 20,657,752

11 c;'n x'g afFsL aLdfz'Ns ” ” Go"g M c;'n x'g afFsL aLdfz'Ns d'NtjL -suspense_ ” ”

12 s_ cGo ejg lgdf{0fsf] nflu k]ZsL 3,285,762 836,106 u_ cGo :yug s/ ;DklQ 6,110,938 2,965,074 3_ cGo clu|d s/ 268,384,445 296,114,848 ª _ cGo :6]zg/L tyf cGo ;fdu|L df}Hbft 2,545,587 2,512,511 r_ cGo pkbfg sf]ifdf hDdf 19,161,549 17,586,654 5_ cGo p7g afFsL nufgL /sd 11,545,780 11,600,000

hDdf 470,711,153 480,116,791

Page 48: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

44

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';"rL @%

rfn' bfloTjqm=;+= ljj/0f o; aif{ ut aif{1 clestf{nfO{ lbg afFsL 36,719,204 29,863,891

2 cGo aLdsnfO{ lbg afFsL ” ”

3 k'gaL{dsnfO{ lbg afFsL 5,919,607 22,691,479

4 cNksflng ;fk6L ” ”

5 aLdfz'Ns w/f}6L ” ”

6 k"0f{ ljj/0f gv'n]sf] aLdfz'Ns 4,756,891 4,987,597

7 ljljw ;fx' 38,983,248 25,232,690

8 ;xfos÷xf]lN8Ë sDkgLnfO{ lbg afFsL ” ”

9 >f]tdf s§f ul/Psf] s/ ltg{ afFsL 30,747,673 35,946,166

10 d"No clea[l4 s/ ltg{ afFsL ” ”

11 ;]jf z'Ns ltg{ afFsL 21,164,111 17,115,210

12 sd{rf/LnfO{ lbg afFsL 1,828,725 1,025,725

13 ;+rfnsnfO{ lbg afFsL ” ”

14 s_ cGo e'QmfgL lbg afFsL nfef+z -l8le8]08_ 25,419,227 3,958,599 v_ cGo :yug s/ bfloTj ” ” u_ cGo lglh{jg aLdf ;DjGwL e'QmfgL ug{ afFsL 2,207,436 1,441,356 3_ cGo e'QmfgL ug{ af+sL n]vfk/LIf0f z'Ns 350,863 287,675 ª_ cGo ejg lgdf{0f l/6]G;g /sd 8,172,275 7,657,175 r_ cGo– w/f}6L afkt k|fKt /sd 3,465,000 ”

hDdf 179,734,259 150,207,563

qm=;+= ljj/0f o; aif{ ut aif{!= DofbL hLjg aLdfsf] c;dfKt hf]lvd hu]8f 207,065,602 187,123,153 hDdf 207,065,602 187,123,153

cg';"rL @^

c;dfKt hf]lvd Joj:yf

Page 49: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

45

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

qm=;+= ljj/0f aif{sf] z'?df Aoj:yf

rfn' cf=a=df yk ul/Psf] Aoj:yf

e'QmfgL ÷ ;dfof]hg

rfn' cf=a=df ckn]vg ul/Psf]

Aoj:yf

rfn' cf=a=df lkmtf{ ul/Psf]

Aoj:yf

aif{sf] cGtdf sfod /x]sf] Aoj:yf

o; jif{ o; jif{ o; jif{ o; jif{ o; jif{ o; jif{ ut jif{ ! nfef+z -l8le8]08_ sf] nflu

Aoj:yf 87,733,975 62,715,440 87,733,975 ” ” 62,715,440 87,733,975

@ cfos/ Aoj:yf 169,347,522 86,472,830 157,947,645 ” ” 97,872,707 169,347,522 # nufgLdf gf]S;fgLsf] nflu

Aoj:yf 11,903,732 ” ” ” ” 11,903,732 11,903,732

$ shf{df gf]S;fgLsf] nflu Aoj:yf 5,692,529 ” ” ” ” 5,692,529 5,692,529 % z+sfZkb cf;fdLsf] nflu

Aoj:yf ” ” ” ” ” ” ”

^ cGo gf]S;fgLsf] nflu Aoj:yf ” ” ” ” ” ” ” & sd{rf/L ;DaGwL Aoj:yf ” ” ” ” ” ” ”

-s_ k]G;g tyf pkbfg Aoj:yf 20,394,552 2,762,607 1,233,004 ” ” 21,924,156 20,394,552 -v_ ljbf jfkt Aoj:yf 17,190,183 3,668,552 3,213,767 ” ” 17,644,968 17,190,183 -u_ cfjf; tyf cGo ;'ljwf Aoj:yf ” ” ” ” ” ” ” -3_ sd{rf/L af]g; Aoj:yf 44,281,002 25,461,770 24,853,928 ” ” 44,888,844 44,281,002 -ª_ cGo ” ” ” ” ” ” ”

* cGo Aoj:yf -;dk{0f d"No_ 2,311,391 ” ” ” ” 2,311,391 2,311,391 ( cGo Aoj:yf 568,387 ” ” ” ” 568,387 568,387 !) lglh{jg aLdf jfkt e'QmfgL x''g

afFsL Aoj:yf /sd 12,387,264 ” ” ” ” 12,387,264 12,387,264

hDdf 371,810,538 181,081,199 274,982,319 ” ” 277,909,418 371,810,538

cg';"rL @^s

cGo Aoj:yf

qm=;+= ljj/0f o; aif{ ut aif{1 ckn]vg ug{ afFsL k|f/lDes vr{ ” ”

2 ckn]vg ug{ afFsL k"j{ ;+rfng vr{ ” ”

3 ckn]vg ug{ afFsL nufgL lk|ldod 5,698,975 17,359,574

4 ckn]vg ug{ afFsL :yug ul/Psf vr{ ” ”

5 cGo ” ” ckn]vg÷;dfof]hg x'g afFsL ljljw vr{x? 5,698,975 17,359,574

cg';"rL @&

ckn]vg÷;dfof]hg x'g afFsL ljljw vr{x?

Page 50: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

46

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

! sDkgLsf] k[i7e"le!=! sDkgLsf] kl/ro g]zgn nfOkm OG:of]/]G; sDkgL ln= g]kfn sDkgL

P]g cGQu{t :yflkt l;ldt bfloTj ePsf] sDkgL xf] . o; sDkgLsf] /lhi68{ sfof{no nflhDkf6, sf7df8f}df /x]sf] 5 . o; sDkgLsf z]o/x? g]kfn lwtf]kq ljlgdo jhf/ lnld6]8df vl/b laqmLsf nflu ;'rLs[t /x]sf] 5 .

!=@ Joj;fosf] k|s[lt o; sDkgLn] hLjg aLdf ug]{ ul/ aLdssf] ?kdf sfo{

ug{ aLdf ;ldtjf6 Ohfht k|fKt ul/ aLdf sfo{ ub}{ cfPsf] 5 .

!=# ;+:yfks tyf z]o/ wgLx? ;+:yfks nufotsf ;d'xsf] gfddf ^%Ü z]o/ /x]sf]

5 eg] ;j{;fwf/0f z]o/wgLx?sf gfddf #%Ü z]o/ /x]sf] 5 .

@ ljlQo ljj/0f tof/Lsf cfwf/ k|:t"t ljlQo ljj/0f ;fdfGotM l:jsfo{ n]vf l;4fGt, g]kfn

n]vfdfg -NAS_, aLdf Joj;fodf k|rlnt cGo cfwf/x?, aLdf P]g @)$(, aLdf lgodfjnL @)$( / aLdf ;ldltn] hf/L u/]sf] ljlQo ljj/0f ;DjlGw lgb]{lzsf tyf k|rlnt sfg'gsf] clwgleq /lx cGoyf pNn]v ul/Psf]df jfx]s P]ltxfl;s nfut cjwf/0ff / k|f]befjL -Accrual_ cfwf/df g]kfnL ?k}ofFdf tof/ ul/Psf 5g\ .

#= l:y/ ;DklQ n]vf+sg gLlt l:y/ ;DklQnfO{ P]ltxfl;s nfut cjwf/0ffsf] cfwf/df,

;DklQ k|flKt ;+u ;DalGwt vr{x? ;d]t ;f]xL l:y/ ;DklQdf ;dfj]z u/L k'FhLs/0f ul/Psf] 5 . l:y/ ;DklQ k|of]udf gcfpFbf ;Ddsf] lgdf{0f vr{x? lgdf{0fflwg k'FhLut vr{df b]vfO{Psf] 5 .

$ x«f; s§L hUufdf x«f; s§L ul/Psf] 5}g . cGo l:y/ ;DklQdf

lgDgfg";f/ b/df 36\bf] x«f; k|0ffnLsf] l;4fGt cg'?k v/Lb ePsf] dlxgfkl5sf] dlxgfb]lv ;dfg"kflts b/n] x«f; s§L ul/Psf] 5 .

ejg % k|ltztkmlg{r/ tyf lkmS;r;{ !@=%) k|ltztlnhxf]N8 !% k|ltztsDKo'6/ pks/0f @) k|ltzt;jf/L ;fwg @) k|ltztsfof{no ;fdfg @) k|ltzt

cg';"rL @*

k|d'v n]vf gLltx?

% k'hLs[t gul/g] ;Dkltx? ;DjGwL n]vf+sg ?= !,))) ;Dd jf ;f] eGbf sd d"No ePsf] tyf cNk

cfo' Pj+ ;lhn};+u 6'6km'6 x'g ;lsg] k|s[ltsf ;Dkltx?nfO{ k"FhLs[t ul/Psf] 5}g .

^ cfos/-s_ rfn" cfos/

cfos/ P]g / ;f] P]g cGtu{t ag]sf] lgodfjnL adf]lhd x'g cfpg] s/ of]Uo cfodf jf;nftsf] ldltdf sfod /x]sf] cfos/ b/ cg";f/ cfos/ u0fgf ul/ cfos/ Joj:yf ul/Psf] 5 .

-v_ :yug s/ ;DklQ÷bfloTj ljlQo ljj/0f / cfos/ cfwf/ jLr b]lvPsf] s/ ;dfof]hg

x'g ;Sg] c:yfO{ km/snfO{ :yug s/ ;DklQ÷bfloTjdf n]vfFsg ul/Psf] 5 . :yug s/ ;DklQ÷bfloTjnfO{ jf;nftsf] ldltdf sfod /x]sf] cfos/ b/ sf] cfwf/df kl/df0fLs/0f ul/Psf] 5 .

& nufgL&=! jlu{s/0f-s_ bL3{sfnLg nufgL e"QmfgL Dofb Ps jif{ jf ;f] eGbf a9L /x]sf] nufgLnfO{

bL3{sfnLg nufgLdf jlu{s/0f ul/Psf] 5 .

-v_ cNksfnLg nufgL e"QmfgL Dofb Ps jif{ eGbf sd /x]sf] nufgLnfO{

cNksfnLg nufgLdf jlu{s/0f ul/Psf] 5 .

&=@ d"Nof+sgs_ ;/sf/L art kq÷C0f kqdf u/LPsf] nufgLnfO{

clÍt d'No jf k/n d'No h'g 3l6 x'g]5 ;f]lx d'Nodf b]vfpg] gLlt /x]sf] 5 . k/n d"No clÍt d'NoeGbf a9L ePsf] cj:yfdf To:tf] a9L /sdnfO{ nufgLsf] cjlw leq ;dfg'kflts cfwf/df ckn]vg ug]{ ul/G5 . To:t} clÍt d'NoeGbf k/n d"No sd ePsf] cj:yfdf To:tf] km/s /sdnfO{ nufgLsf] cjlw leq ;dfg"kflts cfwf/df nufgLaf6 cfodf n]vfÍ0f ug]{ ul/Psf] 5 .

v_ a}+s jf ljlQo ;+:yfsf] d'2tL lgIf]kdf u/LPsf] nufgLnfO{ ;fFjf /sddf b]vfpg] gLlt /x]sf] 5 .

u_ klAns lnld6]8 sDkgLsf] z]o/df u/LPsf] nufgLnfO{ k/n d"No jf ahf/ d"No h'g 3l6 5 ;f]xL d"Nodf n]vfÍ0f ul/Psf] 5 . ;+:yfks z]o/sf] xsdf eg] k|rlnt sfg'g adf]lhd lwtf]kq af]8{df ;'rLs[t gePsf / :yfkgfsf] tLg jif{ k'/f gePsf sDkgLx?sf] z]o/ d"Nodf n]vfÍ0f ul/Psf] 5 .

Page 51: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

47

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

3_ klAns lnld6]8 sDkgLn] hf/L u/]sf] C0fkqx? ;fFjf /sddf b]vfpg] gLlt /x]sf] 5 .

* ljb]zL d"b|fsf] sf/f]af/ -;6xL 36a9 ;dfof]hg_

ljb]zL d"b|fdf ePsf] sf/f]af/nfO{ sf/f]af/sf] ;dodf k|rlnt /x]sf] ljlgdo b/df g]kfnL ?k}ofFdf kl/jt{g ul/ n]vfÍg ul/Psf] 5 . ljb]zL d"b|fdf /x]sf] ;DklQ tyf bfloTjnfO{ jiff{Gtdf sfod /x]sf] ljlgdo b/df d"NofÍg ul/ km/s /sdnfO{ cfDbfgL tyf vr{df n]vfÍg ul/Psf] 5 .

( aLdf z"Ns cfDbfgL n]vfÍg gLlt k|ToIf aLdf z"NsnfO{ cfiff9 d;fGt;Ddsf] gub k|flKtsf]

cfwf/df n]vfÍg ul/Psf] 5 . t/ gub k|flKt ldlt eGbf aLdfz"Ns e"QmfgL ldlt kl5 ePdf kl5Nnf] ldltdf cfDbfgL hgfpg] ul/Psf] 5 .

!) k'gaL{df sldzg cfDbfgL k'gaL{df sldzgnfO{ gub k|flKt jf k"gaL{saf6 lnlvt

hfgsf/L k|fKt ePkl5 cfDbfgLdf n]vfÍg ug]{ ul/Psf] 5 .

!! cGo cfo n]vf+sg tyf af8kmf+8 gLlt-s_ Aofh cfDbfgLnfO{ k|f]befjL cfwf/df n]vfÍg ul/Psf] 5 eg]

nfef+z tyf z]o/ ljqmLjf6 ePsf] gfkmfnfO{ /sd k|flKtsf] cfwf/df n]vfÍg ug]{ gLlt /x]sf] 5 .

-v_ cGo cfDbfgL tyf vr{nfO{ k|f]befjL cfwf/df n]vfÍg ul/Psf] 5 .

-u_ aLdf ;+u k|ToIf ;DaGw gePsf cfDbfgL tyf vr{nfO{ aLdf ;ldltn] hf/L u/]sf] ljlQo ljj/0f ;DjGwL lgb]{zgsf] k/Llw leq /xL afF8kmfF8 ul/Psf] 5 .

!@ shf{ n]vfÍg gLlt sDkgLn] shf{ k|bfg ubf{ shf{ /sdnfO{ ;fFjf /sddf

n]vfÍg ul/Psf] 5 .

!# Joj:yfkg vr{ afF8kmfF8 gLlt Joj:yfkg vr{ afF8kmfF8 ubf{ aLdf ;ldltsf] lgb]{zg

cg";f/ s"n Joj:yfkg vr{sf] () k|ltzt /sdnfO{ k|To]s lsl;dsf] aLdfsf] cfo Joo lx;fjdf aLdf z"Nssf] ef/sf] cfwf/df n]vfÍg u/LPsf] 5 / afFsL /x]sf] !) k|ltzt /sdnfO{ gfkmf gf]S;fg lx;fjdf n]vfÍg ul/Psf] 5 .

!$ aLdf bfaL e"QmfgL vr{ aLdfn]v adf]lhd e"QmfgL ug"{kg]{ /sd tyf ;f] bfaL

km5\{of}6sf nflu ePsf] cGo vr{, cfjZos k/fd{z tyf cg";Gwfg vr{ ;d]t ;dfj]z u/L vr{ n]vfÍg ug]{ gLlt lnOPsf] 5 .

!% aLdf bfjL jfkt bfloTj Joj:yf aLdf lgodfjnL @)$( sf] lgod !%-5_ cg";f/ aLdf bfaL

jfkt bfloTj Joj:yf ubf{ km5\of}{6 gePsf] bfaL /sdsf] !!% k|ltzt Joj:yf ul/Psf] 5 .

!^ aLdf Joj;fodf art afF8kmfF8 aLdf P]g @)$(, aLdf gLodfjnL @)$( / aLdf ;ldltaf6

hf/L u/LPsf] ljlQo ljj/0f ;DjGwL lgb]{zgx?sf] k/Llwleq /xL v"b gfkmf jfF8kmfF8 ul/g] gLlt /x]sf] 5 .

!& sd{rf/L vr{ sd{rf/L;+u ;DalGwt rfn" vr{ h:t} tna, eQf /

;"ljwfnfO{ k|f]befjL cfwf/df n]vfÍg ul/Psf] 5 . pkbfg jfkt sDkgLn] rfn" jif{df ug"{kg]{ of]ubfgnfO{ Joa:yfdf n]vfÍg ul/Psf] 5 eg] ;+lrt /x]sf] ljbf jfktsf] /sdnfO{ klg Joa:yfdf n]vfÍg ul/Psf] 5 .

!* z+sfikb cf;fdL Joj:yf c;"n x'g g;Sg] ;+efjgf b]lvPsf cf;fdL jfkt o:tf]

;+efjgf b]lvPsf] jif{df ;+rfns ;ldlt af6 kf/Lt u/fO Joj:yf ug]{ gLlt lnPsf] 5 .

!( ckn]vg vr{ ;+rfns ;ldltsf] :jLs[ltdf vr{ ckn]vg ul/g] gLlt /x]sf] 5 .

@) kl/zf]wg vr{ k/ ;fl/Psf vr{x?nfO{ kfFr jif{df kl/zf]wg ug]{ gLlt lnPsf] 5 .

@! nufgL gf]S;fgL Joj:yf klAns lnld6]8 sDkgLsf] z]o/sf] k/n d'No eGbf jfhf/

d'No sd x'g uPsf] v08df sd eP hlt /sd gfkmf gf]S;fg lx;fadf vr{ n]lv nufgLdf ;+efljt xfgL jfkt Aoj:yf ul/Psf] 5 . p7g g;s]sf] nufgL a/fj/sf] /sd Aoj:yf ul/Psf] 5 .

@@ z+sf:kb cf;fdL Joj:yf c;"n x'g g;Sg] ;+efjgf b]lvPsf cf;fdL jfkt o:tf]

;+efjgf b]lvPsf] jif{df Joj:yf ug]{ gLlt lnPsf] 5 .

@# g]kfn n]vfdfgjf6 cltqmd (Deviations)@#=! cfDbfgL tyf vr{ n]vf+sg-s_ aLdf z"NsnfO{ aLdf ;ldltsf] lgb]{zg cg';f/ gub

k|flKtsf] cfwf/df n]vfÍg ul/Psf] 5 . o;/L cfonfO{ gub k|flKtsf] cfwf/df n]vfÍg ug'{ g]kfn n]vfdfg )& df pNn]v eP cg';f/ cfonfO{ k|fKt /sd / k|fKt x'g af+sL /sdsf] ;+tf]ifk|b -Fair_ d'Nodf n]vfÍg ug"{ kg]{ k|fjwfg cg'?k /x]sf] 5}g .

-v_ nfef+z cfDbfgLnfO{ gub k|flKtsf] cfwf/df n]vfÍg ul/Psf] 5 . g]kfn n]vfdfg )& df pNn]v eP cg';f/ nfef+z k|fKt x'g] clwsf/ :yflkt ePsf] cfly{s jif{df nfef+znfO{ cfodf n]vfÍg ug{'kg]{ ePsf]n] nfef+zsf] n]vfÍg g]kfn n]vfdfg cg'?k /x]sf] 5}g .

Page 52: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

48

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

cg';"rL @(

ljQLo ljj/0f;+u ;DalGwt n]vf ;DaGwL l6Kk0fLx?

!= ;Defljt bfloTjx? Mc_ sDkgLsf] xfn;Dd r'Qmf jf e'QmfgL x'g jfFsL /x]sf]

nufgL 5}g . cf_ xfn sDkgLn] s'g} k|Tofe'lt k|lta4tf u/]sf] 5}g . O_ aLdfn]v cGtu{t eGbf afx]s cGo s'g} bflj k/]sf] 5}g . O{_ sDkgLn] cfkm\gf] tkm{jf6 s;}nfO{ s'g} klg lsl;dsf]

hdfgt lbPsf] 5}g . p_ jf;nftdf k|:t't ul/Psf] afx]s sDkgLsf] cGo

;Defljt bfloTj l;h{gf ePsf], 5}g .

@= cfly{s jif{ @)&)÷&! ;Ddsf] aLdfn]v cGtu{tsf] bfloTjsf] aLdfÍLo d'NofÍg eO{ o; sDkgLsf] 3f]lift tyf cGt/Ld af]g; b/ k|lt xhf/ ? ^! b]lv *) /x]sf] 5 .

#= ;DklQdf s'g} ;Lldttf tyf ljjfbx? cfPsf] 5}g .

$= sDkgLn] shf{, nufgL tyf l:y/ ;DklQsf] df s'g} klg k|lta4tf hgfPsf] 5}g .

%= c_ sDkgLn] nufgLdf :jfldTj k|fKt u/]sf] 5 . cf_ laqmL ul/Psf] ;DklQsf] e'QmfgL k|fKt x'g jfFsL 5}g .

^= sDkgLsf] o; jif{sf] nufgL ljj/0f o;} cg';'rL ;+u ;+nUg ul/Psf] 5 .

&= b}lgs sf/f]jf/ x'g] d'Vo a}+s vftfx?sf] ;DalGwt a}+sjf6 ;dy{g kq k|fKt u/L lx;fa ldnfg ul/Psf] 5 . cGo a}+s tyf ljlQo ;+:yfx?sf] vftfx?sf] klg lx;fa ldnfg ul/Psf] 5 .

*= ljlQo ljj/0fdf pNn]v eP cg';f/ ljb]zL k'g{aLds ;+u lng lbg jfFsL /x]sf] /sdsf] ;dy{g kq k|fKt eO;s]sf] 5 .

(= sDkgLn] u/]sf] nufgL k|rlnt aLdf P]g, lgodfjnL tyf >L aLdf ;ldltjf6 lgb]{zg u/] jdf]lhd ;ldltjf6 l:js[t Aoj:yf cg'?k /x]sf] 5 .

!)= sDkgLsf] ;xfos sDkgL >L Pg=Pn=hL= OG:of]/]G; s+=ln= ;+u lng' lbg' kg]{ ;DaGwdf ePsf sf/f]jf/ tyf /fli6«o jfl0fHo a}+s;+u aLdf;+u ;DalGwt k|ToIf sf/f]jf/ jfx]s sDkgLsf] ;+rfns jf ;+rfns;+u ;DalGwt AolQm jf ;+:yf;+u cGo s'g} sf/f]jf/ ePsf] 5}g .

!!= o; jif{sf] cGTodf cfkm\gf] ;DklQsf] ;'/If0fdf s'g} C0f /x]sf] 5}g .

!@= cf=j=@)^#÷)^$ ;Dd cfGtl/s /fh:j sfo{fnojf6 s/ lgwf{/0f cfb]z k|fKt e} s/ km5f}{6 e};s]sf] 5 . cf=j= @)^$÷)^% b]lv @)^(÷&) sf] xsdf :jo+ s/ lgwf{/0f u/L ;f] sfof{nodf k]z eO;s]sf] 5 .

!#= sDkgLdf o; cf=j= df s'g} klg jLdfz'Ns /sd lkmtf{ ul/Psf] 5}g .

!$= cf=j=@)&)÷&! sf] 3f]lift af]g; b/ k|lt xhf/ ? ^! b]lv *) /x]sf] 5 . csf]{ aLdfÍLo d'NofÍg geP;Ddsf] nflu sDkgLsf] cGt/Ld af]g; b/ k|lt xhf/ ? ̂ ! b]lv *) /x]sf] 5 .

!%= l9nf] aLdfz'Ns e'QmfgLdf lanDa z'Ns÷Aofhsf] b/ tyf aLdfn]vsf] lwtf]df k|bfg ul/g] shf{df Aofhsf] b/ !) k|ltzt /x]sf] 5 .

!^= g]kfn ;/sf/sf] jrtkqdf nufgLsf] c+lst d'No eGbf k/n d'No j9L ePsf] ckn]vg ug{ jfFsL vr{ /sd ?= %^,(*,(&% nfO{ cg';'rL @& df b]vfOPsf] 5 .

!&= r'Qmf k'FhL dWo] clu|d e'QmfgL / e'QmfgL k|fKt x'g jfFsL /sd gePsf] .

!*= g]kfn ;/sf/sf] jrtkqdf nufgLsf] c+lst d'No eGbf k/n d'No j9L ePsf] ckn]vg ug{ jfFsL vr{ jfx]s cGo ckn]vg x'g jfFsL cGo vr{ 5}g .

!(= jif{ el/df ePsf] sDkgLsf] jf;nft aflx/ s'g} sf/f]af/ ePsf] 5}g .

@)= 5'6 x'g uPsf s]xL vr{x? jfx]s cl3Nnf jif{x?;Fu ;DalGwt cGo s'g} cfDbfgL tyf vr{x? 5}g .

@!= ;+rfns / ltgnfO{ k|bfg ul/Psf] eQf

ljj/0f j}7s eQf-?_ cGo ;'ljwf

!= ;+rfns ;ldtLsf] a}7s eQf ^,##,))) 5}g

@= cGo ;ldlt pk–;ldtLsf] a}7s eQf !,$^,@%) 5}g

@@= sDkgLsf] laleGg a}s vftfx?df aLdfn]v ;+Vof Jff ladLtsf] gfd hfgsf/L cfpg g;s]sf aleGg aLldtx?af6 HfDdf ePsf] /sd ? $&,%^,*() nfO{ (Unidentified Deposit) lzif{sdf ;dfof]hg ul/Psf] 5 .

Page 53: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

49

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

@#= aLdf z'Ns jfkt k|fKt r]s df}Hbft jfktsf] ? @!,)%,*%% sf] /sd >fj0f dlxgfsf] !% ut] leqdf ;DjlGwt a}s vftfx?df hDdf e};s]sf] 5 .

@$= sDkgLsf] l:y/ ;DklQsf] ef}lts k/LIf0f ug{ jf+sL /x]sf] 5 .

@%= ;+:yfksnfO{ s'g} sh{f k|bfg ul/Psf] 5}g .

@^= ;+rfns ;+u ;Da4 sDkgL jf lgsfo ;+usf] sf/f]jf/ lgod ;Ddt ?kn] dfq ul/Psf] 5 .

@&= sDkgLsf] s'g} ljlQo k6\6f ;Demf}tf ePsf] 5}g / o; ;DalGwt bfloTj /x]sf] 5}g .

@*= sDkgLn] sfo{fno ;+rfngsf] ljleGg ;Demf}tfx? u/]sf] 5 . /2 gx'g] vfnsf] ;+rfng k6\6f cGtu{t eljiodf lbg'kg]{ Go'gtd /sd /x]sf] 5}g .

@(= sDkgLsf] sd{rf/Ln] kfpg] pkbfg bfloTj sd{rf/Lsf] sd{rf/L ljlgodfjnL jdf]lhd lx;fa ul/ o; jif{sf] yk Aoj:yf ul/Psf] 5 .

#)= cfos/ Aoj:yf cl3sf] gfkmfsf] !) k|ltzt /sd sd{rf/L jf]g;sf] nflu Aoj:yf ul/Psf] 5 .

Page 54: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

50

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!

au{ nufgLsf] If]q nufgL ul/Psf] /sd nufgL lkmtf{ /sd nufgLsf] k|ltkmn b/ -Ü df_ s}lkmots au{ g]kfn ;/sf/ / g]kfn /fi6« a}ssf] lasf; C0fkq tyf jrt kq 72,200,000 249,400,000 3=25 b]vL 9=75 v au{

a}s ckm sf7df08f}} 50,000,000 50,000,000 6=00 b]vL 10=50 l;l6hg a}+s lnld6]8 200,000,000 150,000,000 6=00 b]vL 12=00 ;]Gr"/L sd{zLon a}+s ln 100,000,000 6=05 b]vL 10=75 l;len a}+s lnld6]8 150,000,000 70,000,000 6=00 b]vL 10=50 sd{h P08 6«i6 a}+s lnld6]8 50,000,000 50,000,000 5=75 b]vL 10=50 Pe/]i6 a}+s lnld6]8 100,000,000 342,755,200 5=50 b]vL 11=75 Unf]jn cfO{PdL a}+s lnld6]8 230,000,000 90,000,000 5=50 b]vL 9=75 lxdfnog a}+s lnld6]8 250,000,000 230,000,000 6=00 b]vL 9=00 hgtf a}+s lnld6]8 160,000,000 60,000,000 6=00 b]vL 10=50 lsi6 a}+s lnld6]8 ” 20,000,000 7=00 b]vL 8=50 s'df/L a}+s lnld6]8 148,250,000 151,050,000 6=00 b]vL 8=50 nIdL a}+s lnld6]8 20,000,000 100,000,000 7=00 b]vL 10=50 n'lDagL a}+s ln 180,000,000 50,000,000 5=75 b]vL 9=75df5fk'R5«] a}+s lnld6]8 50,000,000 5,000,000 6=00 b]vL 8=00 d]uf a}s lnld6]8 150,000,000 6=00 b]vL 6=00 gljn a}s lnld6]8 ” 50,000,000 10=50 b]vL 10=50 g]kfn a}s lnld6]8 140,000,000 240,000,000 6=50 b]vL 9=50 Pg=cfO{=;L= PzLof a}s ln 280,000,000 180,000,000 5=50 b]vL 10=00 g]kfn O{Ge]i6d]06 a}s ln 450,000,000 250,000,000 5=25 b]vL 8=50 g]kfn P;=lj=cfO{=a}s=ln 1,450,000,000 800,000,000 5=50 b]vL 12=00 Pg=Pd=la=a}s ln 195,000,000 105,000,000 5=50 b]vL 10=00 k|fO{d sdl;{on a}s=ln 150,000,000 6=00 b]vL 9=25 l;4fy{ a}+s lnld6]8 250,000,000 45,000,000 5=50 b]vL 9=00 ;g/fO{h a}+s lnld6]8 150,000,000 27,500,000 6=25 b]vL 9=50 u|f08 a}+s lnld6]8 160,000,000 92,500,000 5=50 b]vL 10=50 ;fgLdf a}+s lnld6]8 250,000,000 150,000,000 5=75 b]vL 8=50 s[lif lasf; a}+s lnld6]8 150,000,000 200,000,000 8=75 b]vL 9=50 P; 8]enKd]06 a}s lnld6]8 ” 20,000,000 6=50 b]vL 9=00 laZj lasfz a}+s lnld6]8 14,500,000 14,500,000 9=00 b]vL 10=25 l;6L 8]enKd]06 a}+s lnld6]8 ” 8,000,000 10=00 b]vL 10=00 lSnLg PghL{ 8]enKd]06 a}+s lnld6]8 25,000,000 15,000,000 8=00 b]vL 10=50 O{Gkmf:6«Sr/ 8]enkd]]]06 a}+s lnld6]8 3,500,000 ” 10=00 b]vL 10=00 Hof]tL lasfz a}s lnld6]8 ” 20,000,000 9=00 b]vL 13=50 d'QmLgfy lasfz a}+s lnld6]8 ” 40,000,000 9=50 b]vL 11=00 g]kfn sGh'd/ 8]enKd]06 a}s lnld6]8 3,000,000 3,000,000 11=00 b]vL 12=00 Pg=cfO{=l8=;L 8]enKd]06 a}+s lnld6]8 ” 75,000,000 8=00 b]vL 9=75

u au{ d~h' >L kmfO{gfG:f lnld6]8 ” 2,500,000 11=00 b]vL 11=00u'8ljn kmfO{gfG:f lnld6]8 ” 5,000,000 10=00 b]vL 10=00k|'8]lG;on kmfO{gfG; lnld6]8 ” 5,000,000 11=00 b]vL 11=00g]kfn P;lacfO{ a08 3,157,000 7,500,000 7=90 b]vL 12=50Pg=l;=Pd Do[[["rn km08 2,000,000laleGg a}sx?sf] z]o/ vl/b 308,600lalaw -;'gsf] l;Ssf_ 50,500s"n nufgL /sd 5,584,966,100 3,975,705,200

cg';"rL @(–!

yk nufgL tyf lkmtf{ laj/0f @)&)÷&!

Page 55: jflif{s k|ltj]bg @)&)÷)&! · jflif{s k|ltj]bg @)&)÷)&! NATIONAL LIFE INSURANCE g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8 COMPANY LIMITED

51

g]zgn nfO{km OG:of]/]G; sDkgL lnld6]8

jflif{s k|ltj]bg @)&)÷)&!cg';

"rL #)

k|d'v ;

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2066

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313

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@

z]o/

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2,570

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5

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#

k|lt z

]o/ lstfjL d"No

?

121

=86

135

=38

126

=86

172

=30

154

=58

$v"b

gfkmf

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27,61

7,73

2 1

12,068

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9

6,32

9,51

8

442,75

9,478

2

52,514

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%

k|lt z

]o/ c

fo (

EPS)

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10=74

3

6=33

24=02

88=32

3

2=21

^k|lt z

]o/ n

fef+z

(D

PS)

?

21

32

26

73

38

&k|lt z

]o/ a

hf/ d

"No (

MPP

S) ?

4

86

334

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