ljQLo ;dfj]zLtfaf6 cfly{s ;zlQms/0f - Mega Bank Nepal

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k|f=8f=uf]ljGb g]kfn;~rfns

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ljQLo ;dfj]zLtfaf6 cfly{s ;zlQms/0f

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d]uf a}+s g]kfn lnld6]8sf]bf]>f] jflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

ldlt @)^(÷)&÷@# ut] a;]sf] o; a}+ssf] ;~rfns ;ldltsf] ^@cf}+ a}7ssf] lg0f{ofg';f/ a}+ssf] bf]>f] jflif{s ;fwf/0f ;ef lgDglnlvt ldlt, :yfg / ;dodf lgDg ljifox¿ pk/ 5nkmn tyf lg0f{o ug{ a:g] ePsf] x'Fbf sDkgL P]g @)^# sf] bkmf ^& cg';f/ ;Dk"0f{ z]o/wgL dxfg'efjx¿sf] hfgsf/Lsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 M

!= ;ef x'g] ldlt, :yfg tyf ;do M ldlt M @)^( ;fn kf}if @% ut], a'waf/ -9th January 2013_ :yfg M cfdL{ clkm;;{ Sna, eb|sfnL, sf7df08f} . ;do M laxfg 7Ls !!M)) ah] .

@= 5nkmnsf ljifox? M!= cWoIfHo"sf] dGtJo;lxtsf] ;~rfns ;ldltsf] jflif{s k|ltj]bg @)^*÷^( kfl/t ug]{ .@= n]vfk/LIfssf] k|ltj]bg;lxtsf] @)^( cfiff9 d;fGtsf] jf;nft tyf ;f]xL ldltdf ;dfKt cf=j= @)^*÷^( sf] gfkmf÷gf]S;fg

lx;fa tyf gub k|jfx ljj/0f pk/ 5nkmn u/L kfl/t ug]{ .#= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cf=j= @)^(÷&) sf] nflu n]vfk/LIfs lgo'Qm u/L lghsf] kfl/>lds lgwf{/0f ug]{ .$= a}+ssf] hf/L k'FhLsf] #) k|ltztn] x'g cfpg] ?= ^( s/f]8 () nfv a/fa/sf] ^( nfv () xhf/ lsQf ;fwf/0f z]o/ ;j{;fwf/0fnfO{

laqmLsf] nflu ;fj{hlgs ¿kdf lgisfzg ug]{ .%= a}+sdf csf]{ a}+s tyf ljQLo ;+:yf ufleg] k|:tfj cfPdf jf ljb]zL a}+s tyf ljQLo ;+:yf;Fu ;+o'Qm nufgL (Joint Venture) u/L

a}+s ;~rfng ug]{ cj:yfdf ;d]t cfjZos ;Dk"0f{ sfo{ ug{ ;~rfns ;ldltnfO{ clVtof/L k|bfg ug]{ ;DaGwL ljz]if k|:tfj kfl/t ug]{ .^= ljljw . ;~rfns ;ldltsf] cf1fn]

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;efdf 5nkmn ul/g] ;~rfns ;ldltsf] k|ltj]bg tyf n]vfk/LIfssf] k|ltj]bg;lxtsf] jf;nft, gfkmf÷gf]S;fg lx;fa, ;fwf/0f ;ef ;DaGwL hfgsf/L, k|f]S;L kmf/fd / k|j]zkq a}+ssf] clen]vdf ePsf] z]o/wgLx¿sf] JolQmut 7]ufgfdf 5'§} k|]lift ul/g]5 . sy+sbflrt\ pQm sfuhftx¿ k|fKt gePdf / ;fwf/0f ;ef ;DaGwL yk hfgsf/L cfjZos ePdf o; a}+ssf] s]lGb|o sfof{no, d]uf dxn, sflGtky, sf7df08f}df ;Dks{ ug'{x'g jf a}+ssf] Website : www.megabanknepal.com df x]g{x'g cg'/f]w 5 .

;fwf/0f ;ef ;DaGwL hfgsf/LM!= k|To]s z]o/wgL dxfg'efjx¿nfO{ a}+ssf] z]o/ nutdf sfod /x]sf] 7]ufgfdf jflif{s k|ltj]bg k'l:tsf k7fOg]5 . sy+sbflrt\ s'g} z]o/wgL

dxfg'efjx¿n] a}+ssf] jflif{s k|ltj]bg nufotsf sfuhftx¿ k|fKt ug{ g;Sg' ePdf o;} ;"rgfnfO{ cfwf/ dfgL ;fwf/0f ;efdf efu lng ;Sg' x'g]5 .

@= ;fwf/0f ;efdf efu lng cfpg'x'g] z]o/wgL dxfg'efjx¿n] cfkm\gf]] gful/stfsf] ;Ssn k|lt -jf kl/ro v'Ng] kmf]6f];lxtsf] cGo kl/rokq_, z]o/wgL k|df0fkqsf] k|ltlnlk / ;efsf] ;"rgf ;fy ;+nUg k|j]z kq clgjfo{ ¿kdf lnO{ cfpg' x'g cg'/f]w 5 . cGoyf ;efsIfleq k|j]z ug{ lbOg] 5}g .

#= ;efdf efu lng] k|To]s z]o/wgL dxfg'efjn] ;efsf] lbg ;ef z'¿ x'g'eGbf klxn] g} pkl:yt eO{ ToxfF /x]sf] xflh/L k'l:tsfdf b:tvt ug'{kg]{5 . z]o/wgL dxfg'efjx¿sf] ;'ljwfsf] nflu xflh/L k'l:tsf ;ef:yndf ;ef x'g] lbg laxfg !)M)) ah] b]lv ;ef rfn" /x];Dd v'Nnf /xg]5 .

$= z]o/wgLn] cfkm\gf]]] k|ltlglw -k|f]S;L_ lgo'Qm ubf{ cfkm" h'g ;d"x÷pk;d"xsf] z]o/wgL xf], ;f]xL ;d"x÷pk;d"xsf] csf]{ z]o/wgLnfO{ dfq k|f]S;L lbg ;Sg'x'g]5 . s'g} z]o/wgLn] k|ltlglw -k|f]S;L_ lgo'Qm u/]kl5 cfk'm :jo+ pkl:yt ePdf To:tf] k|ltlglw :jtM /2 ePsf] dflgg]5 .

%= ;efdf efu lng k|ltlglw lgo'Qm ug{ rfxg] z]o/wgL dxfg'efjx¿n] ;ef z'¿ x'g] ;do eGbf sDtLdf @$ 306f cufj} a}+ssf] /lhi68{ sfof{nodf k|f]S;L kmf/fd btf{ u/L ;Sg'kg]{5 . ;efdf efu lng k|ltlglw lgo'Qm ul/;s]kl5 pQm k|ltlglw ab/ u/L cs}{ k|ltlglw d's// ug]{ ePdf ;f]xL cjlw leq z]o/wgL :jo+ pkl:yt eO{ jf lgj]bg ;fy ;DalGwt z]o/wgLsf] gful/stfsf] k|df0fkqsf] kmf]6f]skL / z]o/ k|df0fkqsf] kmf]6f]skL ;+nUg u/L klxn] lbPsf] k|ltlglw ab/ ug{ a}+ssf] /lhi68{ sfof{nodf lgj]bg btf{ ul/;s]kl5 dfq klxn] lbPsf] k|f]S;L ab/ ePsf] dflgg] 5 .

^= s'g} ;~rfnsnfO{ a}+ssf] ;fwf/0f ;efdf efu lngsf] nflu s'g} z]o/wgLn] cfkm\gf]] k|ltlglw -k|f]S;L_ lgo'Qm u/]sf] ePdf cfkm'nfO{ lgo'Qm ug]{ ljifodf jf cfkm\gf]] :jfy{ jf JolQmut kmfObfsf] s'g} ljifodf To:tf] ;~rfnsn] pQm z]o/wgLsf] k|ltlglwsf] x}l;otn] dtbfg ug{ kfpg'x'g] 5}g .

&= z]o/wgLn] PseGbf a9L JolQmnfO{ cfkm\gf]]] z]o/ ljefhg u/L jf cGo s'g} lsl;daf6 5'§ofO{ k|f]S;L lbg kfOg] 5}g . *= a}+ssf] 5fk / sDkgL ;lrjsf] b:tvt ePsf] k|ltlglwkq -k|f]S;L kmf/fd_ dfq dfGo x'g]5 . (= ;'/Iffsf] b[li6sf]0fn] ;efdf pkl:yt x'g] z]o/wgL dxfg'efjx¿n] oyfzSo emf]nf, Kofs]6 cflb glnO{ cfpg' x'g cg'/f]w 5 . ;'/IffsdL{n]

;efsIfdf k|j]z ug{sf] nflu ;'/Iff hfFr ug{ ;Sg] x'Fbf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]t cg'/f]w ul/G5 .!)= cGo hfgsf/Lsf] nflu a}+ssf] s]lGb|o sfof{no d]uf dxn, sflGtky, sf7df08f} l:yt sDkgL ;lrjsf] sfof{nodf jf kmf]g g+= )!–$@$*%@( df

;Dks{ /fVg' x'g cg'/f]w 5 .

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d]uf a}+s g]kfn lnld6]8

d]uf dxn, sflGtky, sf7df08f} .

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jflif{s k|ltj]bg @)^*÷^( 5

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d]uf a}+s g]kfn lnld6]8sf] bf]>f] jflif{s ;fwf/0f ;efdf pkl:yt x'g'ePsf ;Dk"0f{ ;+:yfks z]o/wgL dxfg'efjx¿nfO{ ;~rfns ;ldltsf] tkm{af6 d xflb{s :jfut tyf clejfbg JoQm ug{ rfxfG5' . ;fy} o; ;fwf/0f ;efdf pkl:yt eP/ a}+ssf] jflif{s k|ltj]bg oxfFx¿;dIf k|:t't ug{ kfpFbf dnfO{ cToGt v'zL nfu]sf] 5 .

cfly{s jif{ @)^*÷^( df d'n'ssf] oyfy{ s'n ufx{:y pTkfbg cfwf/e"t d"No / pTkfbssf] d"No b'a}df $=^ k|ltztn] j[l4 ePsf] s]Gb|Lo tYofÍ ljefusf] k|f/lDes cg'dfg 5 . cl3Nnf] jif{ o:tf] j[l4b/ qmdzM #=* k|ltzt / #=( k|ltzt /x]sf] lyof] . ;dLIff jif{df s[lif tyf ;]jf If]qsf] j[l4b/df s]xL ;'wf/ cfPtfklg pBf]u If]qsf] j[l4b/df ;+s'rg cfPsf] cg'dfg 5 . pQm cjlwdf jflif{s cf};t pkef]Qmf d'b|f:kmLlt *=# k|ltzt /x]sf] 5 . j}b]lzs nufgLdf x|f; cfPsf] 5 . j}b]lzs /f]huf/af6 k|fKt ljk|]if0fdf j[l4 eO ?=#^) ca{ k'u]sf] 5, h'g s'n ufx{:y pTkfbgsf] cg'kftdf @# k|ltzt /x]sf] 5 . o; cjlwdf Jofkf/ 3f6f pRrb/n] a9\g uO{ ?= #*& ca{ $! s/f]8 k'u]sf] 5 eg] klxnf]k6s Jofkf/ 3f6fn] Ps jif{sf] ah]6sf] cfsf/nfO{ gf3]sf] 5 . /fhZj ;+sng nIo eGbf a9L ePsf] 5 . zf]wgfGt/ l:ylt xfn;Dds} pRr ?= !@& ca{ &) s/f]8 k'u]sf] 5 eg] j}b]lzs d'b|fsf] ;l~rlt @)^( ;fn cfiff9 d;fGt;Dddf ?=$#( ca{ $^ s/f]8 k'u]sf] 5 . o;af6 !!=^ dlxgfsf] j:t' cfoft / !)=# dlxgfsf] j:t' tyf ;]jf cfoft wfGg k|of{Kt /xg] b]lvG5 . cfiff9 d;fGt @)^( df jfl0fHo a}+sx¿sf] lgIf]k cl3Nnf] jif{sf] ;f]xL cjlwsf] t'ngfdf ?= !*! ca{n] a9]/ ?= *^& ca{ k'u]sf] 5 eg] shf{ ?= (^ ca{n] a9]/ ?= ^@# ca{ k'u]sf] 5 .

sf7df08f}sf] sflGtkyl:yt d'Vo zfvf sfof{noaf6 ldlt @)^& ;fn >fj0f & ut]b]lv a}+lsË sf/f]af/ k|f/De u/]sf] o; a}+sn] b'O{jif{ ;kmntfk"j{s kf/ u/L t];|f] jif{df k|j]z u/]sf] 5 . b]ze/sf @) lhNnfx¿df a}+sn] cfˆgf] zfvf lj:tf/ ul/;s]sf] 5 . sf7df08f} pkTosfleq sflGtky, Go"/f ]8, 6]s', dxf/fhu~h, d}ltb]jL, gofF afg]Zj/, hfjnfv]n, skg, l7dL / af}4df u/L !) / pkTosfaflx/ wflbª, gf/fo0fu9, hgsk'/, lj/f6gu/, jL/u~h, w/fg, ljtf{df]8, a'6jn, e}/xjf, 3f]/fxL, b}n]v,

g]kfnu~h, wgu9L, :ofk'|mj]zL, kf]v/f, xl/jg, rf}tf/f / c3f{vfFrLdf u/L !* j6f zfvf :yfkgf eO{ a}+ssf] zfvf ;+Vof @* k'u]sf] 5 . cf=j=@)^*÷^( ;Dddf a}+sn] ?= ( ca{ !( s/f]8 lgIf]k ?= * ca{ $ s/f]8 shf{ k|jfx u/L v"b d'gfkmf & s/f]8 !( nfv cfh{g ug{ ;kmn ePsf] 5 . cfufdL jif{ cem a9L d'gfkmf cfh{g ug{] nIo a}+sn] /fv]sf] 5 . ;j{;fwf/0fnfO{ 5'6\ofOPsf] #) k|ltzt z]o/sf] ;fj{hlgs lgisf;g gubf{;Dd nfef+z ljt/0f ug{ gldNg] x'Fbf o; jif{sf] v"b d'gfkmf, ut jif{sf] v"b d'gfkmf / k"j{;~rfng cj:yfsf] art ePsf] Aofh /sd ;d]t u/L ?= !% s/f]8 #* nfv jf;nftdf hu]8f tyf sf]if zLif{sdf /flvPsf] 5 .

cf=j= @)^*÷^( df g} ;j{;fwf/0fnfO{ 5'6\ofOPsf] z]o/sf] lgisf;gsf] k|of; x'FbfxF'b} klg lgofds lgsfosf] dfkb08 k"/f gePsf]n] ;f] sfo{ ;DkGg x'g ;s]g . o; bf]>f] ;fwf/0f ;efkl5 cljnDa z]o/sf] ;fj{hlgs lgisf;g ul/g]5 eg] rfn" cf=j= leq g]kfn :6s PS;r]~hdf z]o/ sf/f]af/ u/fpg] nIo /x]sf] tYo ;d]t oxfFx¿nfO{ cjut u/fpg rfxfG5' .

/fhg}lts cl:y/tf, cf}Bf]lus tyf Jofkfl/s If]qdf cfPsf] dGbL, tLa| k|lt:kwf{ cflb h:tf nufgLsf nflu k|lts'n kl/l:yltaLr klg a}+sn] pT;fxhgs ¿kn] sf/f]af/ lj:tf/ ug'{sf ;fy} ljQLo ahf/df k|ltli7t sDkgLsf] ¿kdf klxrfg agfpg ;kmn ePsf] tYo oxfFx¿nfO{ cjut u/fpg kfpFbf dnfO{ v'zL nfu]sf] 5 .

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cWoIfHo"sf] dGtJocfb/0fLo ;:yfks z]o/wgL dxfg'efjx?,

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gofF/f]8, l;Gw'kfNrf]ssf] 7"nf] lz¿af/L / ;fFufrf]s, df]/ªsf] /+u]nL, ¿kGb]xLsf] s/lxof, afFs]sf] zDz]/u~h, b}n]vsf] r'k|fahf/ Pj+ /;'jfsf] w'Gr]df ;d]t u/L hDdf !^ :yfgdf a|fGrn]; a}+lsËsf] dfWodaf6 a}+lsË ;]jf pknAw u/fpb} cfOPsf]5 . rfn" cf=j=df yk @( j6f :yfgdf a|fGrn]; a}+lsË s]Gb|x? ;~rfng u/L hDdf $% :yfgdf ;f] ;]jf k'¥ofpg] nIosf ;fy sfd e}/x]sf] Joxf]/f oxfFx¿nfO{ hfgsf/L u/fpg rfxfG5' .

b]zsf] ;du| cfly{s, /fhg}lts Pj+ a}+lsË Joj;fodf ;d]t cfPsf] kl/jt{gnfO{ ljZn]if0f u/L cfufdL cf=j= @)&)÷&! b]lv nfu" x'g] u/L gofF % jifL{o /0fgLlts of]hgf (Five

Years Strategic Plan) th'{df u/L ;f] cg'¿k jflif{s ah]6 sfof{Gjog ul/g]5 . a}+sn] cTofw'lgs k|ljlwsf] k|of]u u/L u|fxsx¿nfO{ pRr:t/Lo a}+lsË ;]jf pknAw u/fpFb} d'gfkmf cfh{g ug]{ p2]Zosf ;fy xnf]b]lv xfO8«f];Ddsf u|fxsx¿sf] ljQLo cfjZostf kl/k"lt{ x'g] u/L sfo{ ul//x]sf] 5 . eljiodf cg'ej / bIftfsf] cfwf/df cfjZos k|lt:kwf{Tds Ifdtf clej[l4 ub}{ ;fs{ d'n'sx¿df d]uf a}+s g]kfn lnld6]8nfO{ ;+o'Qm nufgLdf k|j4{g u/L If]qLo:t/df Joj;fo lj:tf/ ug]{ gLltnfO{ cjnDjg ul/g]5 . d]uf a}+ssf] kxF'rnfO{ hgtf;dIf k|efjsf/L 9+un] k'¥ofpg ljQLo ljs]Gb|Ls/0fsf] l;4fGt cg'¿k qmdzM b]zleq If]qLo sfof{nox¿sf] :yfkgf ub}{ ;]jfnfO{ lj:tf/ ul/g]5 .

d]uf a}+sdf /x]sf] hgzlQmsf] IfdtfnfO{ clej[l4 ug{ 5f]6f] / dWod cjlwsf] tflnd ;~rfng ul/b} cfPsf] ;Gbe{df o:tf sfo{qmdx?nfO{ yk k|efjsf/L 9+un] lg/Gt/tf lbOg]5 . ljZj cy{tGq, If]qLo cy{tGq, l5d]sL d'n'sx¿sf] cy{tGq / /fli6«o cy{tGqnfO{ lg/Gt/ cg'udg / ljZn]if0f ug'{sf;fy} z]o/ ahf/, k'FhL ahf/ / d'b|f ahf/sf] cWoog / a}+s tyf ljQLo ;+:yfx¿sf] lgIf]k kl/rfng, shf{÷C0f Pj+ nufgL k|jfx nufot ;xL ¿kdf nlIft d'gfkmf k|If]k0f ug{ a}+sdf Ps cnUu} cg';Gwfg Pj+ ljsf; (Research &

Development) ljefusf] :yfkgf u/L cg';Gwfg sfo{nfO{ yk ;zQm ?kdf ;~rfng ul/g] 5 . ;fdflhs pQ/bfloTj tkm{sf] a}+ssf lqmofsnfkx?nfO{ lg/Gt/tf lbO{ d'n'sleq ;fdflhs ;]jfdf ;dlk{t JolQm jf ;+:yfx¿nfO{ ;xof]u ug]{ a}+ssf] gLlt /xg]5 .

sd{rf/Lx¿sf] z'¿ ;]jf k|j]zdf Go"gtd of]Uotf k'u]sf ckfË JolQmx? (Differently Abled Persons) dWo] k|lt:kwf{sf cfwf/df ;'/lIft sf]6faf6 /f]huf/Lsf] cj;/ >[hgf ug{ gLltut ;'wf/ ul/g]5 . eljiodf a}+sn]] cfˆg} skf]{/]6 ejg lgdf{0f ug]{ nIo /fv]sf]] 5 . o;sf cltl/Qm g]kfn /fi6«

a}+s¢f/f k|ltkflbt df}lb|s gLlt cg'¿k Ps jf PseGbf a9L jfl0fHo a}+s jf ljQLo ;+:yfx¿af6 d]uf a}+ssf] zt{ cg';f/ d]uf a}+sdf ufleg -Merger_ sf nflu cf}krfl/s k|:tfj k|fKt ePdf ;DalGwt a}+s tyf ljQLo ;+:yfx¿sf] cfly{s x}l;ot d"NofÍg u/L ljQLo cj:yf /fd|f] /x]sf a}+s tyf ljQLo ;+:yfx¿nfO{ d]uf a}+sdf ufleg] gLlt canDjg ul/g]5 .

b]zsf ^# lhNnfdf !@!( hgf z]o/wgLsf] ;~hfn tyf g]6jy{ (Networth) ;sf/fTds /x]sf], @)^( cflZjg d;fGt ;Dddf *$ xhf/ vftf ;~rfngdf /x]sf] / ;dli6ut ljQLo ;"rsfÍsf] cfwf/df ;d]t d]uf a}+ssf] x}l;ot /fd|f] /x]sf] 5 . 5f]6f] cjlwdf g} ljQLo ahf/df d]uf a}+sn] cfˆgf] 5'§} klxrfg agfpg'sf ;fy} ljZj;gLotf cfh{g u/]sf] 5 . To;}n] d]uf a}+ssf] eljio ;'/lIft 5, ;'Gb/ 5 . cfufdL jif{df a}+ssf]] k|ultsf] /ˆtf/ cem} a9\g]5 .

xfdL;Fu cg'ejL / lj1x¿ /x]sf] ;~rfns ;ldlt 5 / cToGt ;Ifd k|d'v sfo{sf/L clws[tsf] g]t[Tjdf bIf hgzlQm sfo{/t 5g\ . o;af6 c¿ ;sf/fTds kl/0ffd cfpg] cfzf d}n] /fv]sf] 5' . t;y{, cfufdL lbgdf d]uf a}+sn] c¿ w]/} k|ult ug]{ s'/fdf d k"0f{ ljZj:t 5' .

cGTodf, a}+snfO{ cfhsf] o; cj:yf;Dd NofO{ k'¥ofpg cgj/t ¿kdf h'l6/xg' ePsf ;~rfns ;fyLx¿, d]uf kmfp08/sf] ¿kdf /xg' ePsf ;fyLx¿, a}+ssf ;+:yfks÷nufgLstf{ dxfg'efjx?, a}+ssf lgIf]kstf{ tyf u|fxsju{x¿, z'e]R5's, ;xof]uL tyf a}+s Joj:yfkgdf /xL dxTjk"0f{{ of]ubfg ub}{ cfpg' ePsf k|d'v sfo{sf/L clws[t tyf pxfFsf] g]t[Tjdf /x]sf] Joj:yfkg ;d"x Pj+ ;Dk"0f{{ sd{rf/Lx¿af6 k|fKt ;xof]uk|lt xflb{s s[t1tf k|s6 ub}{ cfufdL lbgx?df ;d]t o:t} k|sf/sf] ;xof]u Pjd\ z'e]R5fsf] ck]Iff ub{5' . g]kfn /fi6«« a}+s, sDkgL /lhi6«f/sf] sfof{no, cfGtl/s /fhZj ljefu, shf{ ;"rgf s]Gb| / cGo ;DalGwt lgsfox¿af6 xfn ;Dd a}}+snfO{ k|fKt lgb]{zg, ;'emfj tyf ;xof]usf nflu wGojfb lbg rfxfG5' .

ho d]uf a}+s Û Û Û

k|f=8f=dbg s'df/ bfxfncWoIfd]uf a}+s g]kfn lnld6]8, d]uf dxn, sflGtky, sf7df08f}@)^( ;fn kf}if @% ut], a'waf/ .


clgn s]z/L zfx, k|d'v sfo{sf/L clws[t

10 d]/f] a}+s – d]uf a}+s

ldlt @)^& >fj0f & ut]b]lv cf}krfl/s ?kdf cfkm\gf] a}+lsË sf/f]af/ k|f/De u/]sf] o; d]uf a}+s g]kfn lnld6]8n] cfˆgf] ;~rfngsf] b'O{ jif{ ;kmntfk"j{s kf/ u/]sf] 5 . ;~rfngdf cfPsf] of] 5f]6f] cjlwdf xfd|f u|fxsju{x?n] ug'{ePsf] cufw dfof, ljZjf; / ;xof]un] g} d]uf a}+s hgdfg;df 5f]6f] cjlwd} Pp6f :yflkt / nf]slk|o ;+:yfsf] x}l;otdf cfkm'nfO{ pEofpg ;kmn ePsf] d}n] dx;'; u/]sf] 5' .

;~rfngsf] klxnf] jif{d} b]zsf] lxdfnb]lv t/fO{;Dd d]uf a}+ssf !# j6f zfvfx? ;~rfngdf cfP, h;af6 sf7df08f} pkTosf aflx/sf ;]jfu|fxLnfO{ ;d]t :t/Lo ;]jf k|bfg ug{ a}+s ;kmn eof] . klxnf]r/0fd} g]kfnsf] b'u{d dflgg] :ofk|'mj]zLb]lv b]zsf cGo :yfgx?df cfkm\gf zfvfx? lj:tf/ u/]sf] o; a}+sn] ;~rfngsf] bf]>f] jif{df yk !% j6f zfvfx? Ps;fy ;~rfngdf Nofof] h;kZrft a}+ssf] ;~hfn b]zsf ljleGg :yfgx?df yk lj:tfl/t eof] . xfn d'Vo sfof{no;lxt b]ze/sf @* j6f zfvfx?af6 cTofw'lgs k|ljlwo'Qm pTs[i6 a+}lsË ;]jf pknAw u/fpg d]uf 6Ld x/kn tNnLg /x]sf] 5 . d]uf dfOqmf]dfkm{t Go"g cfo ePsf ju{, d]uf P;PdO{af6 ;fgf÷demf}nf Joj;fo tyf d]uf skf]{/]6dfkm{t 7"nf pBdLnfO{ ;]jf k|bfg ul//x]sf] o; a}+sn] x/]s ju{ / ;d'bfosf g]kfnLnfO{ k"0f{ a}+lsË ;]jf k|bfg ul//x]sf] ;Gbe{df x/]s ju{n] d]uf a}+sdf ckgTj dx;'; ug]{ cj;/ k|fKt u/]sf] xfdLnfO{ nfu]sf] 5 .

cem b]zsf b'u{d tyf Go"g ljsl;t :yfgx?df a;f]af; ul//x]sf g]kfnL bfh'efO{, hf] a}+lsË ;'ljwfaf6 alGrt k|foM lyP, pxfFx?nfO{ ;d]t d]uf dfOqmf]dfkm{t a}+lsË ;~hfndf ;d]6]/ ufpF3/d} pRr:t/Lo ;]jf k|bfg ug{' a}+ssf] nflu Ps dxTjk"0f{ pknlAwsf] ?kdf xfdLn] lnPsf5f}+ h;af6 xfdL lgs} uf}/jflGjt klg 5f}+ . o; tkm{sf] a}+ssf] k|of;nfO{ ;dy{g÷;xof]u k'¥ofpg cGo ;+3÷;+:yfsf] klg ;+nUgtf a}+snfO{ cg'ej eO/x]sf] 5 h;af6 a}+s yk pT;flxt ag]sf] 5 . ;'?jfts} lbgx?df b]zsf ljleGg ufpFa:tLdf zfvf/lxt a}+lsË ;]jf, ljkGgju{÷If]qtkm{sf] a9\bf] nufgLsf ultljlwx?, /;'jfdf lrlnd] hnljB't

cfof]hgf Pj+ 8]/L pBf]udf ;j{;fwf/0fsf] kx'Fr a9fpg ;xof]u / xl/jgsf pv' ls;fgnfO{ ul/Psf] ;j{;'ne nufgL h:tf lqmofsnfkx?n] ;d]t ljQLo ;dfj]zLtfsf] xfd|f] gf/f ;fy{s ePsf] xfdLnfO{ nfu]sf] 5 .

lgIf]k tyf shf{ ;'/If0f lgud;Fu ;Demf}tf u/L ;j{;fwf/0fsf] art tyf d'2lt lgIf]ksf] ;'/If0f ug]{ d]uf a}+s klxnf] jfl0fHo a}+s aGof] h;af6 klg u|fxsk|ltsf] xfd|f] pQ/bfloTj k'li6 x'G5 . a}+ssf] nIo cg'?k w]/} eGbf w]/} u|fxs ju{nfO{ a}+lsË bfo/f leq Nofpgsf nflu a}+sn] 7"nf lgIf]k / 7"nf C0fLnfO{ dfq Wofg lbPsf] 5}g eGg] tYonfO{ a}+ssf] cf};t lgIf]ksf] cfsf/ ?= ! nfv ## xhf/ / cf};t C0fsf] cfsf/ ?= !^ nfv $% xhf/ x'g'n] ;d]t k'li6 ub{5 . ufpF–zx/, lxdfn, kxf8, t/fO{ tyf s'gfsGb/fdf a;f]af; ug]{ x/]s g]kfnLn] d]uf a}+s–d]/f] a}+s eGg] cg'e"lt k|fKt ug{ ;s"g eGg] xfd|f] p2]Zo k|fKtLsf lgldQ xfdL k"0f{ ?kn] sl6a4 5f}+ .

clxn] b]zsf sl/a kfFr ;o :yfgaf6 a}+ssf] cfkm\g} /]ld6\ofG; k|0ffnL “d]uf/]ld6” dfkm{t ;j{;'ne 9+uaf6 ;]jf xfl;n ug{ ;lsg] Joj:yf ldnfOPsf] 5 . z'ef/De art vftf, gf/L :k]zn art vftf, nf]slk|o art vftf, d]uf :jfledfg art vftf, d]uf of]ª :6f/ art vftf, d]uf sd{rf/L art vftf, d]uf o'y– dfO{ a}+s P6 SofDk; csfpG6 / d]uf 8n/ csfpG6 h:tf nf]slk|o of]hgfn] u|fxs ju{sf] dg lhlt/x]sf] xfdLn] cg'ej u/]sf 5f}+ . cfufdL lbgdf klg u|fxssf] rfxgf / ;'ljwfnfO{ Wofgdf /fVb} gjLgtd of]hgfx? Nofpg xfdL sl6a4 5f}+ .

o;} cfly{s jif{ a}}+ssf] ?= ^( s/f]8 () nfv a/fa/sf] k|fylds z]o/ klg lgZsf;g x'Fb}5 h;n] a}+ssf] ljQLo ;~hfnnfO{ cem} km/flsnf] agfOlbg]5 . z]o/ lgZsf;gkl5 d]uf a}+s w]/} g]kfnLsf] cfzfsf] laGb' aGg]df xfdL ljZj:t 5f}+ .

clws[t k'FhL ?= $ ca{ tyf hf/L k'FhL ?= @ ca{ ## s/f]8 /x]sf] d]uf a}+s k'FhLsf lx;fan] b]zs} Pp6f 7"nf] / ^#

k|d'v sfo{sf/L clws[tHo"sf] dGtJod]uf gd:t] ⁄


lhNnfdf 5l/Psf !@!( hgf d'VotM dWodjuL{o g]kfnLsf] a}+s xf] eGg kfpFbf xfdLnfO{ uj{ nfU5 . k|efjzfnL k'FhLut cfwf/sf] hudf d'n'ssf] Pp6f bx|f] / ljZjfl;nf] ljQLo ;+:yfsf] ?kdf plePsf] o; a}+sn] k|f/Deb]lv g} pkef]Qmf, u|fxs, z]o/wgL, lgofds lgsfo, ;d'bfo tyf sd{rf/L;Fu cfk;L lxtsf] ;DaGwnfO{ lg/Gt/ dha't kfb}{ cfO/x]sf] 5 . o; ;DaGwnfO{ yk k|uf9 agfpg xfdL ;b}j k|oTgzLn 5f}+ h;sf] kmn:j?k a}+ssf] nfe, lxt tyf ;kmntfsf] ofqfdf ;a} ;Fu;Fu} lx+8\g ;sf}+ .

Joj;fosf] ;Gbe{df a}+s ;~rfngdf cfpg'k"j{ tyf ;~rfngdf cfPkl5sf lbgx? ;d]t xfdL ;a}sf lglDt lgs} r"gf}tLk"0f{ /x] . ljz]iftM d'n'ssf] /fhgLltn] b]zsf] cfly{s, ;fdflhs tyf cGo dxTjk"0f{ ultljlwx?nfO{ ;xh lgsf; lbO{ cfly{s ultljlwnfO{ ;lqmo agfpg'kg]{ xf] . t/, /fhgLlts ;+qmd0fsfn ;dfKt x'g g;Sbfsf kl/0ffdx?sf] c;/ d'n'ssf] ;du| ljQLo If]qdf kg{ uof] . ahf/df sfod clws t/ntfnfO{ pkof]u ug]{ nufgLsf Go"g cj;/x?, c:j:y Pj+ lta| k|lt:kwf{, phf{ ;+s6df lg/Gt/tf Pj+ cGo cfly{s÷;fdflhs sf/0fx?n] a}+lsË If]qn] sl7g kl/l:yltsf] ;fdgf u¥of] h;sf] c;/af6 d]uf a}+s klg ckjfb aGg ;s]g . kmn:j?k ;dLIff jif{ klg Joj;fosf] b[li6sf]0fn] r'gf}ltk"0f{ /x]sf] cg'ej xfdLn] klg u¥of}+ . oBkL k|lts'n Joj;flos jftfj/0fsf dfem Ps gofF ;+:yf x'+bfx'b} klg cfly{s jif{ @)^*÷^( df a}+sn] dxTjk'0f{ pknlAwx? xfl;n ug{ eg] ;kmn ePsf] 5 . sf/f]af/sf] b[li6sf]0fn] ;d]t a}+ssf] Joj;flos pknlAw k|lt ;Gtf]if x'g] cfwf/x? cfkm';+u} ;~rfngdf cfPsf cGo a}+sx?sf] t'ngfdf a}+sn] lj:tf/ u/]sf] zfvfsf] ;+Vof, pRr u|fxs ;+Vof, Joj;fosf] cfsf/, d'gfkmf, a9\bf] nf]slk|otf cflbn] k'li6 ub{5g\ . b]zsf] ;du| a}+lsË If]qdf b'O{ jif{sf] 5f]6f] cjlwd} d]uf a}+s Ps alnof] k|lt:kwL{sf ?kdf v8f x'g ;kmn e};s]sf] xfdLn] dx;'; u/]sf 5f}+ .

cfly{s jif{ @)^*÷^( sf] cGTo ;Dddf a}+ssf] s'n shf{ tyf ;fk6Ldf ?= # ca{ @# s/f]8n] j[l4 eO{ ?= * ca{ $ s/f]8 k'u]sf] 5, h'g cl3Nnf] jif{sf] t'ngfdf ^&Ü sf] j[l4 xf] . a}+sn] ;fgf tyf demf}nf pBf]u÷Joj;fox? Pj+ ljkGgju{ tkm{sf] nufgLnfO{ a9fpFb} clws]lGb|t shf{ hf]lvdnfO{ ;d]t Go"g ub}{ cfPsf] 5 . ;f]xL cjlwdf

lgIf]ktkm{ a}+sn] ?= # ca{ *@ s/f]8n] j[l4 u/L ?= ( ca{ !( s/f]8 k'¥ofPsf] 5 . of] j[l4 cl3Nnf] jif{sf] t'ngfdf &!Ü n] a9L xf] . cfly{s jif{ @)^&÷^* df ?= @ s/f]8 $# nfv v"b d'gfkmf u/]sf] a}+sn] @)^*÷^( df ?= & s/f]8 !( nfv v"b d'gfkmf cfh{g ug{ ;kmn ePsf]] 5 . o;}u/L, rfn" cfly{s jif{sf] t];|f] dlxgfsf] cGTo;Dd a}+ssf] s'n u|fxs;+Vof *$ xhf/ eGbf a9L k'u]sf] 5 eg] xfnsf lbgx?df of] ;+Vof lg/Gt/ ?kdf a9\b} uPsf] 5 . Joj;fosf] cfsf/df klg pNn]Vo j[l4 eO/x]sf] 5 . o;nfO{ z'e]R5's tyf ;Dk"0f{ u|fxsju{n] a}+s dfly ug'{ ePsf] 7"nf] ljZjf;sf] ?kdf xfdLn] lnPsf 5f}+ . xfdL dflysf] oxfFx?sf] ljZjf; cem j[l4 x'Fb} hfg]5 eGg]df xfdL k"0f{ ?kn] ljZj:t 5f}+ .

xnf]b]lv xfO8«f];Dd, d]rLb]lv dxfsfnL;Dd eGg] ljQLo ;dfj]zLtfsf] gf/f ;lxtsf] h'g ;f]r 5, To;nfO{ qmdzM Jojxf/df sfof{Gjog ub}{ cfPsf] a}+ssf xfn;Ddsf ultljlwx?n] emNsfO/x]sf 5g\ . d]uf 6Ldsf k|To]s ;b:o cfkm\gf ;a} u|fxs, z]o/wgL, lgofds lgsfo tyf ;d'bfonfO{ pRr:t/Lo a}+lsË ;]jf pknAw u/fpg sl6a4 dfq} 5}gg\, nIo k|fKtLsf nflu d]uf a}+ssf] ;]jf s]lGb|t -Service Centric_, ?kfGt/0f -Transformational_, sfof]{Gd'v -Action Oriented_, kl/0ffd s]lGb|t -Result Focused_, ;fd"lxs k|of; -Synergistic_ h:tf d"Nox? cg';/0f ub}{x/If0f sl6a4 Pj+ sfo{/t 5g\ .

cGTodf, d a}+ssf] cfh;Ddsf] ofqfdf ;fy lbg] xfd|f ;Dk"0f{ ;+:yfks z]o/wgL, a}+ssf u|fxsju{, lgofds lgsfo, ;~rf/ dfWod nufot ;a}nfO{ xflb{s wGojfb lbg rfxfG5' . ;fy}, cfufdL lbgx?df klg oxfFx? ;a}sf] plQs} :g]x, ;b\efj tyf ;xof]u hf/L /xg]5 eGg] ck]Iff /fv]sf] 5' . d nufot ;du| d]uf 6Ld x/]s lbg x/]s If0f pRRf:t/Lo a+}lsË ;]jf pknAw u/fpFb} pRrtd k|ltkmn Pj+ cGo Joj;flos nIosf] k|fKtLdf x/If0f sfo{/t /x+b} a}+snfO{ ;an 9+un] cl3 a9fpg] k|lta4tf JoQm ub{5f}+ .

clgn s]z/L zfxk|d'v sfo{sf/L clws[t


8f=b'dg yfkf;~rfns

k|f=8f=uf]ljGb g]kfn;~rfns

>L ef]haxfb'/ zfx ;~rfns

;~rfns ;ldlt

>L uf]kfn vgfn;~rfns

>L dbg s'df/ cfrfo{;~rfns

>L O{Zj/ axfb'/ u'?Ë;~rfns

>L ;'lzn /fd dfy]df;~rfns

>L zDe' laqmd yfkf;~rfns

14 d]/f] a}+s – d]uf a}+s

d]uf a}+s g]kfn lnld6]8sf] o; bf]>f] jflif{s ;fwf/0f ;efdf pkl:yt x'g' ePsf ;Dk"0f{ kmfp08/ tyf ;+:yfks z]o/wgL dxfg'efjx¿nfO{ ;~rfns ;ldltsf] tkm{af6 xflb{s :jfut ug{ kfpFbf xfdL cToGt} xlif{t ePsf 5f}+ . :yfkgfsf] 5f]6f] cjlwd} xfl;n ul/Psf pknlAwx¿sf sf/0f oxfFx¿sf] a}+sn] g]kfnsf] a}+lsË If]qdf Ps cnUu} klxrfg agfpg ;kmn ePsf] tYo hfgsf/L u/fpg kfpFbf xfdL w]/} uf}/jflGjt ePsf 5f}+ . æxnf]b]lv

xfO8«f];DdÆ nufgL ug]{ …;Dk"0f{ g]kfnLsf] a}+sÚ ag]/ z]o/wgLx¿sf] lxtsf] ;+/If0f ub}{ b]zsf] cfly{s ljsf;df of]ubfg k'¥ofpg] p4]Zo cg'¿k cfb/0fLo ;+:yfks z]o/wgL dxfg'efjx¿n] :yfkgf ug'{ ePsf] of] a}+s ;fFRr} g} To;tkm{ ;kmntfsf ;fy b'|t ultn] cl3 al9/x]sf] Joxf]/f a}+ssf lqmofsnfk, pknlAwx¿, klxrfg tyf a9\bf] nf]slk|otfn] k|i6 kf/]sf] 5 .

;~rfns ;ldltsf] k|ltj]bgMcfly{s jif{ @)��^*÷��^(

;~rfngsf] @ jif{sf] ljQLo emnsx?

qm=;+= lzif{s cfiff9 d;fGt j[l4 @)^( @)^* /sd k|ltzt != s'n ;DklQ !!,$)) &,@$@ $,!%* %&=$@ @= s'n h]yf !,&*% !,&!@ &# $=@^ #= s'n lgIf]k (,!(# %,#&# #,*!( &!=)& $= s'n shf{ *,)$* $,*!^ #,@#! ^&=)(

cfly{s jif{ j[l4 @)^*÷^( @)^&÷^* /sd k|ltzt %= s'n ;~rfng cfDbfgL $&) @*% !*^ ^%=!! ^= s'n ;~rfng vr{ @(@ !(( (# $^=(^ &= gf]S;fgL Joj:yf cl3sf] !&( *^ (@ !)^=*$ ;~rfng d'gfkmf*= v"b gfkmf &@ @$ $* !(%=$&

cfiff9 d;fGt @)^( @)^* (= zfvf ;+Vof @* !# !)= Pl6Pd ;+Vof @( !^ !!= zfvf/lxt a}+lsË s]Gb| !$ ) !@= u|fxs ;+Vof &# xhf/ #! xhf/

?= b; nfvdf

cfb/0fLo ;+:yfks z]o/wgL dxfg'efjx?,


;~rfngsf] b'O{ jif{sf] cjlwd} @* j6f zfvf ;~hfn lj:tf/ u/L cTofw'lgs zfvf/lxt a}+lsË k|ljlwsf] dfWodaf6 a}+lsË kx'Fraf6 aflx/ /x]sf hgtf;fd' k'u]/ ;]jf k|bfg u/]sf] of] a}+sn] g]kfnsf] a}+lsË If]qdf Pp6f gofF cfofd sfod u/]sf] 5 . cfly{s ;dfj]zLtfsf] dd{nfO{ s]Gb|df /fVb} a}+sn] ljkGg ju{ tyf ;fgf Joj;fonfO{ k|fyldstf lb+b} cfkm\gf lqmofsnfkx¿ cufl8 a9fpFb} cfPsf] 5 . u|fxs ;+Vofdf ePsf] lg/Gt/ j[l4n] a}+ssf] nf]slk|otf tyf ;an hunfO{ yk k|dfl0ft u/]sf] 5 .

;dli6ut cfly{s cj:yfsf] l;+xfjnf]sgljZj cy{tGqM cGt/f{li6«o d'b|fsf]ifn] ;fj{hlgs u/]sf] ljZj cfly{s kl/b[Zo (World Economic Oultook) sf] @)!@ clk|n c+sdf ;g\ @)!@ df ljZjsf] cfly{s j[l4b/ #=%Ü /xg] k|If]k0f ul/Psf] 5 eg] ;g\ @)!! Dff pQm j[l4b/ #=(Ü sfod /x]sf] hgfOPsf] 5 . ;g\ @)!) df %=#Ü /x]sf] ljZj j[l4b/ xfnsf jif{x¿df qmlds ¿kdf 36\b} hfg'sf] sf/0fdf ljutsf jif{x¿df cGt/f{li6«o hutdf ljBdfg gsf/fTds 36gfqmdx¿ g} /x]sf 5g . ;g\ @)!! sf] dWofjlwkZrft cd]l/sL cy{tGq ;'wf/f]Gd'v lbzftkm{ al9/x]sf] cj:yf tyf o'/f]k]nL d'n'sx¿df ulxl/+b} uPsf] cfly{s ;+s6 ;'wf/ ug{ cg'z/0f ul/Psf pko'Qm gLltx¿n] ljZj cy{tGq j[l4tkm{sf] tLa| lu/fj6df eg] sdL cfpg] ;+s]t b]lvPsf] 5 . kmn:j¿k s]xL ljsl;t cy{tGqx¿df Go"g ;'wf/sf] ck]Iff ul/P;+u} ;g\ @)!# sf] nflu ljZjsf] cfly{s j[l4b/ $=!Ü k|If]k0f ul/Psf] 5 . tyflk cfly{s ;'wf/sf nIf0fx¿ ;Fu;Fu} ljZj cy{tGqdf d"No lgoGq0f, cfly{s lj:tf/, ljQLo :yfloTj h:tf r'gf}ltx¿ eg] ljBdfg g} 5g\ . o;sf ;fy} pbLodfg tyf ljsf;zLn d'n'sx¿ h:t}M ef/t tyf rLgsf] cfly{s j[l4 klg vl:s/x]sf] cj:yfnfO{ ;d]t ljZn]if0f ubf{ ljZj cfly{s j[l4sf] ult eg] hf]lvddf g} /lx/xg] cg'dfg ug{ ;lsG5 .

;g\ @)!! df !=^Ü n] j[l4 ePsf] ljsl;t d'n'sx¿sf] cfly{s ultljlw ;g\ @)!@ df !=$Ü n] dfq j[l4 x'g] cg'dfg ul/Psf] 5 h;dWo] cd]l/sfsf] j[l4b/ ;g @)!! sf] !=&Ü sf] t'ngfdf ;g\ @)!@ df @=!Ü k|ltztn] a9\g] tyf o"/f]k]nL d'n'sx¿sf] ;g @)!! sf] !=$Ü j[l4b/ ljkl/t @)!@ df )=#Ü n] 36\g] k|If]k0f ul/Psf] 5 . pbLodfg tyf ljsf;zLn b]zx¿sf] cfly{s j[l4b/ ;g\ @)!! Dff ^=@Ü /x]sf]df ;g\ @)!@ df %=&Ü sfod /xg] k|If]k0f ul/Psf] 5, h;dWo] ef/tsf] j[l4b/ ;g\ @)!! sf] &=@Ü sf] t'ngfdf ;g\ @)!@ Dff ^=(Ü n] tyf rLgsf] j[l4b/ ;g\ @)!! sf] (=@Ü sf] t'ngfdf ;g\ @)!@ df *=@Ü df ;Lldt /xg] cGt/f{li6«o d'b|fsf]ifn] k|If]k0f u/]sf] 5 .

/fli6«o cy{tGqM cfwf/e"t d"Nosf] cfwf/df cfly{s jif{ @)^*÷^( df g]kfnsf] ufx{:y pTkfbg $=^Ü /xg] k|f/lDes cg'dfg ul/Psf] 5, h'g cl3Nnf] jif{ #=*Ü /x]sf] lyof] . ;dLIff jif{df s[lif tyf u}/–s[lif If]qdf qmdzM $=(Ü / $=#Ü sf] j[l4 xfl;n ePsf] cg'dfg ul/Psf] 5 eg] cl3Nnf] jif{ ;f] If]qx¿df qmdzM $=%Ü / #=$Ü sf] j[l4 xfl;n ePsf] lyof] . cg's"n df};d, pGgt lap Pj+ ;'wfl/t k|ljlwsf] k|of]u h:tf sf/0fx¿af6 pTkfbsTj a9\g uO{ s[lif If]qsf] j[l4b/df ;'wf/ cfof] eg] ;]jfIf]q tkm{sf] lj:tf/n] u}/–s[lif If]qdf ;d]t ;sf/fTds k|efj kf¥of] . tyflk lg/Gt/tf kfO/x]sf] cl:y/ /fhg}lts 36gfqmd, cf}Bf]lus jftfj/0fdf b]lvPsf] ;d:of, lghL nufgLsf] sdL, phf{ ;Í6 cflbn] b]zsf] cf}Bf]lus pTkfbgdf eg] gsf/fTds k|efj kfl/ g} /x\of] .

;dLIff jif{df b]zsf] cf}ift d'b|f:kmLlt *=#Ü /x]sf] 5, h'g cl3Nnf] jif{ (=^Ü sfod /x]sf] lyof] . vfB tyf k]o kbfy{ ;d"xsf] d"No ;"rsfÍ &=&Ü n] tyf u}/vfB Pjd\ ;]jf ;d"xsf] d"No ;"rsfÍ (=)Ü n] j[l4 ePsf] tYofÍ /x]sf] 5 . cfly{s jif{ @)^&÷^* df %=*Ü n] j[l4 ePsf] lgof{tsf] t'ngfdf o;jif{ yk ;'wf/ x'g uO{ !%=$Ü sf] j[l4 xfl;n ePsf] 5 . To;}u/L cfoftdf klg cl3Nnf] jif{sf] %=*Ü sf] j[l4sf] t'ngfdf ;dLIff jif{df !^=%Ü sf] j[l4 sfod /xg uPsf] 5 . b]zsf] cGt/f{li6«o Jofkf/df cfoftsf] pNn]vgLo ef/ x'g'sf ;fy} o;tkm{ lgof{t eGbf clws j[l4 ePsf] kmn:j¿k utjif{sf] %=*Ü n] j[l4 ePsf] Jofkf/ 3f6f ;dLIff jif{df !^=&Ü n] j[l4 ePsf] 5 . utjif{ ?= @ ca{ !* s/f]8sf] zf]wgfGt/ art /x]sf]df o;jif{ ?= ! va{ @& ca{ &) s/f]8sf] zf]wgfGt/ art ePsf] 5, h'g clxn];Dds} pRr xf] . vf;u/L, ljk]|if0fdf ePsf] pRrj[l4 Pj+ ;]jf vftfdf ePsf] ;'wf/n] ;f] artdf of]ubfg k'¥ofPsf 5g .

blIf0f Pl;ofnL tyf l5d]sL /fi6«x¿sf] cfly{s j[l4b/ -k|ltztdf_

/fi6« ;g k|If]k0f @))( @)!) @)!! @)!@ @)!#

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cfiff9 d;fGt @)^( df ePsf] ?= $ va{ #( ca{sf] ljb]zL ljlgdo ;l~rlt !!=^ dlxgfsf] j:t' cfoft / !)=# dlxgfsf] j:t' tyf ;]jf cfoft wfGg kof{Kt 5 . utjif{ (=$Ü n] j[l4 ePsf] ljk]|if0f cfo o;jif{ $!=*Ü sf] pNn]vgLo b/n] j[l4 ePsf] 5, h;af6 ?= # va{ ^) ca{ a/fa/sf] ljb]zL d'b|f b]zdf lelqPsf] 5 . cfly{s jif{ @)^&÷^* sf] t/ntf cefj cj:yfsf] ljkl/t ;dLIff jif{df a}+lsË If]qn] clws t/ntfdf Joj;fo ;~rfng ug'{k¥of] . cfiff9 d;fGt @)^( df jfl0fHo a}+sx¿sf] lgIf]k cl3Nnf] jif{sf] ;f]xL cjlwsf] t'ngfdf ?= ! va{ *! ca{n] a9]/ ?= * va{ ^& ca{ k'u]sf] 5 eg] shf{ ?= (^ ca{n] a9]/ ?= ^ va{ @# ca{ k'u]sf] 5 . o;df d]uf a}+ssf] of]ubfg lgIf]kdf !=)^Ü tyf shf{df !=@(Ü /x]sf] 5 . jfl0fHo a}+sx¿sf] ;+Vof ;f] cjlw ;Dd #@ /x]sf] 5 .

ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg;~rfngsf] klxnf]jif{df zfvf lj:tf/nfO{ k|fyldstf lbPsf] o; a}+sn] cfly{s jif{ @)^*÷^( df ;d]t ;f] sfo{nfO{ lg/Gt/tf lbO{ yk !% j6f zfvfx¿ ;~rfngdf NofP/ cfiff9 d;fGt @)^( df s'n zfvf ;+Vof @* k'¥ofPsf] 5 . k|lt:kwL{ ahf/nfO{ Wofgdf /fv]/ b]zsf k|d'v Jofkfl/s s]Gb|x¿df cfkm\gf] k|ltlglwTj sfod ug{ lj:tf/sf] sfo{qmd ckl/xfo{ ePsf] tYonfO{ cfTd;ft ub}{ ;dLIff jif{df o;tkm{ a}+s s]lGb|t ePsf] xf] . o;sf cnfjf cfly{s ;dfj]lztfsf] cfkm\gf] gf/fnfO{ Jojxf/df ptfg{ a}+sn] ljleGg b'u{d tyf a}+lsË ;]jfsf] kx'Fr sd ePsf :yfg tyf ju{x¿nfO{ nlIft u/L a}+lsË ;]jf tyf ;'ljwfx¿sf] lj:tf/tkm{ cu|;/ /x\of] .

Joj;fosf] b[li6sf]0fn] ;dLIff jif{ klg r'gf}ltk"0f{ /x]sf] cg'ej ul/Psf] 5 . cl:y/ /fhg}lts kl/j]z, ahf/df sfod clws t/ntfnfO{ pkof]u ug]{ nufgLsf Go"g cj;/x¿, c:j:y Pj+ tLj| k|lt:kwf{, phf{ ;+s6df lg/Gt/tf Pj+ cGo cfly{s÷;fdflhs sf/0fx¿n] a}+lsË If]qn] klg sl7g kl/l:yltsf] ;fdgf ug'{k¥of] . oBkL c;xh kl/l:yltsf dfem Ps gofF ;+:yf x'Fbfx'b} klg ;dLIff jif{df oxfFx¿sf] a}+sn] dxTjk"0f{ pknlAwx¿ xfl;n ug{ ;kmn ePsf] 5 . sf/f]af/sf] b[li6sf]0fn] ;d]t a}+ssf] Joj;flos pknlAwk|lt ;Gtf]if x'g] cfwf/x¿ cfkm';Fu} ;~rfngdf cfPsf cGo a}+sx¿sf] t'ngfdf a}+sn] lj:tf/ u/]sf] zfvfsf] ;+Vof, pRr u|fxs ;+Vof, Joj;fosf] cfsf/, d'gfkmf, a9\bf] nf]slk|otf cflbn] k'li6 u5{g\ . o;sf cnfjf a}+ssf s]xL ljQLo lqmofsnfkx¿n] a}+lsË If]qnfO{ g} k|lt:kwf{Tds r'gf}lt lbPsf] xfdLn] ljZjf; lnPsf 5f}+ . a}+lsË ;]jfsf] kx'Fr sd ePsf :yfg tyf ju{x¿ dfem k'Ug] a}+ssf] cu|;/tfn] a}+snfO{ ;sf/fTds k|ltlqmofx¿ k|fKt ePsf] xfdLn] dx;'; u/]sf 5f}+ .

;dLIff jif{df a}+ssf] s'n shf{ tyf ;fk6Ldf ?= # ca{ @# s/f]8n] j[l4 eO{ cfiff9 d;fGt @)^( df ?= * ca{ $ s/f]8 k'u]sf] 5, h'g cl3Nnf] jif{sf] t'ngfdf ^&Ü sf] j[l4 xf] . a}+sn] ;fgf tyf demf}nf pBf]u÷Joj;fox¿ Pj+ ljkGgju{tkm{sf] nufgLsf lqmofsnfkx¿nfO{ a9fpFb} clws]lGb|t shf{ hf]lvdnfO{ ;d]t Go"g ub}{ cfPsf] 5 . lgIf]ktkm{ a}+sn] ;dLIff jif{df ?= # ca{ *@ s/f]8n] j[l4 u/L cfiff9 d;fGt @)^( df ?= ( ca{ !( s/f]8 k'¥ofPsf] 5 . of] j[l4 cl3Nnf] jif{sf] t'ngfdf &!Ü n] a9L xf] .

lgIf]ksf] ;+/rgfsf] cfwf/df Aofh ltg'{gkg]{ vftf $=#!Ü, art vftf $#=)@Ü, d'2tL vftf ##=^!Ü tyf sn vftfdf !(=)%Ü sf] lx:;f /x]sf] 5 h'g cToGt} ;Gtf]ifhgs 9+un] ljtl/t 5 . o;n] a}+ssf] clws]lGb|t hf]lvdnfO{ Go"g u/L >f]t lge{/tfdf ljljwtf ePsf] k'li6 ;d]t u/]sf] 5 . tLa| k|lt:kwf{df pq]sf] Ps gofF a}+ssf] art vftfsf] lx:;f pNn]v ul/P adf]lhd x'g'n] a}+s 5f]6f] ;dod} cToGt} nf]slk|o x'g ;kmn ePsf] O+lËt ub{5 . ;fy}, a}+sn] ;+:yfut lgIf]knfO{ eGbf JolQmut lgIf]knfO{ k|fyldstf lbPsf] kmn:j¿k a}+ssf] Joj;fosf] >f]tsf] cfwf/ alnof] ePsf] k|i6 x'G5 .


d'2tL, #$Ü

sn, !(Ü

Aofh ltg'{ gkg]{, $Ü

art, $#Ü

lgIf]k ;+/rgf#! cfiff9 @)^(

d'2tL, $)Ü

art, #)Üsn, @&Ü

Aofh ltg'{ gkg]{, #Ü

lgIf]k ;+/rgf#@ cfiff9 @)^*

;dLIff cjlwdf a}+sn] cfkm\gf] u|fxs ;+Vofdf sl/a $# xhf/n] j[l4 u/L s'n ;+Vof &# xhf/ eGbf a9L k'¥ofPsf] 5 . ;~rfngsf] @ jif{d} xfl;n ul/Psf] of] cfwf/ cToGt pknlAwd'ns tyf pT;fxhgs xf] . ljkGgju{ tyf n3'ljQcGtu{t a}+sn] % xhf/ eGbf a9L u|fxsx¿nfO{ shf{ k|bfg ul/;s]sf] 5 . ;fy}, l/on :6]6df a}+ssf] nufgL $Ü dfq /x]sf] 5 . o;}u/L, a}+sn] ;fgf tyf demf}nf pBf]u tyf Joj;fonfO{ k|fyldstf lb+b} To;tkm{sf] nufgLnfO{ j[l4 ub}{ nu]sf] 5 . oL ;a}sf cfwf/df a}+ssf] Joj;fodf ul/Psf] ljljlws/0f, clws]lGb|t hf]lvdsf] Go"gLs/0f, ;an Pj+ :j:y jf;nftsf] lgdf{0f ePsf]df lgw{Ss x'g ;lsG5 .

a}+sn] cfly{s jif{ @)^*÷^( df ?= #( s/f]8 ^ nfv v"b Aofh cfDbfgL u/]sf] 5, h'g cl3Nnf] jif{sf] pknlAwdf ^)Ü sf] j[l4 xf] . ;dLIff jif{df shf{ tyf nufgLsf] jftfj/0f tyf cj;/x¿ cToGt} Go"g Pj+ lg/fzfhgs /x], h'g ;du| a}+lsË If]qdf g} k|d'v r'gf}ltsf] ¿kdf

:yflkt eof] . ;/sf/L C0fkq tyf cGt/a}+s nufgLsf] k|ltkmn ck]Iffs[t eGbf cToGt} Go"g /xg' -#^$ lbg] 6«]h/L lansf] cf}ift Aofhb/ cf=j= @)^&÷^* df *=#%Ü, cf=j= @)^*÷^( df @=($Ü tyf cGt/a}+s sf/f]af/sf] cf}ift Aofhb/ cf=j= @)^&÷^* df *=$$Ü, cf=j= @)^*÷^( df !=@*Ü_, ahf/df clws t/ntfsf] cj:yfdf ;d]t lgIf]ksf] Aofhb/df ;}4flGts tj/n] sdL gcfpg', nufgLsf] dfu tyf pkef]u Go"g /xg', s]xL If]qx¿sf] ;d:ofdf lg/Gt/tf sfod x'g' h:tf sf/0fx¿n] ;du| a}+lsË If]qsf] v"b Aofh cfDbfgLtkm{sf] j[l4 cGoGt} Go"g /x\of] . oL ;a}sf afjh'b klg >f]t tyf ;fwgsf] plrt Pj+ ;hu 9+uaf6 ul/Psf] pkof]usf sf/0f oxfFx¿sf] a}+sn] cfh{g u/]sf] v"b Aofh cToGt} ;Gtf]ifhgs dfGg'k5{ . ;dLIff jif{df a}+sn] shf{af6 k|fKt cf};t k|ltkmn !#=*$Ü /x]sf] 5, h'g cl3Nnf] jif{ !$=%(Ü lyof] . To;}u/L, a}+sn] nufgLaf6 $=%&Ü k|ltkmn k|fKt u/]sf] 5, h'g cl3Nnf] jif{ (=)&Ü sfod /x]sf] lyof] . kmn:j¿k s'n Aofh cfosf] cf}ift k|ltkmn cl3Nnf] jif{sf] !#=!)Ü af6 36]/ ;dLIff jif{df !!=*!Ü df sfod /x\of] . lgIf]ksf] cf}ift nfut (=!^Ü sfod /x\of], h'g cl3Nnf] jif{ !)=%%Ü lyof] eg] cGt/ a}+s ;fk6Lsf] nfut;lxt ;dLIff jif{df >f]tsf] cf}ift nfut *=$(Ü /x\of], h'g cl3Nnf] jif{ !)=@^Ü sfod /x]sf] lyof] . kmn:j¿k a}+sn] #=#!Ü sf] Aofh cGt/ sfod ug{ ;kmn ePsf] 5, h'g ;dLIff jif{sf] ahf/ cj:yf x]/]/ ;Gtf]ifhgs g} dfGg'k5{ . cl3Nnf] jif{ ;f] cGt/ @=*$Ü sfod /x]sf] lyof] .

a}+sn] ljleGg ;]jf tyf ;'ljwfx¿ k|bfg u/]afkt cfh{g u/]sf] cGo cfDbfgL ?= & s/f]8 (* nfv /x]sf] 5 . cl3Nnf] jif{sf] pknlAwsf] t'ngfdf of] /sd (@=^!Ü n] a9L xf] . sd{rf/L vr{tkm{ cl3Nnf] jif{sf] ?= * s/f]8 !$ nfvsf] t'ngfdf ;dLIff jif{df ?= !! s/f]8 #) nfv vr{ ePsf] 5 . cl3Nnf] jif{sf] bf]>f] cw{jflif{s cjlwlt/ ;~rfngdf cfPsf clwsf+z gofF zfvfx¿sf] k"0f{ jflif{s k|efj Pj+ ;dLIff jif{df ;~rfngdf cfPsf yk !% zfvfx¿sf] d'Vo sf/0faf6 sd{rf/L vr{tkm{ j[l4 x'g uPsf] 5 . sd{rf/Lx¿sf] sfo{Ifdtf Pj+ bIftf clej[l4 u/L a}+sdf pTs[i6 hgzlQm sfod /fVg tflnd, a9'jf, jflif{s j[l4 OToflbtkm{sf] nufgL ckl/xfo{ x'g] ;j{dfGo tYo g} xf] . sd{rf/Ltkm{sf] oxL nufgLs} kmn:j¿k cfh a}+s clt5f]6f] cjlwd} ;kmn Pj+ nf]slk|o x'g ;kmn ePsf] xfdLnfO{ ljZjf; 5 . o;}u/L, a}+ssf] cGo ;~rfng vr{ ;dLIff jif{df ?= !& s/f]8 *& nfv ePsf] 5 h'g cl3Nnf] jif{df ?= !! s/f]8 &! nfv lyof] . o;df klg vr{ j[l4sf] k|d'v sf/0f o;jif{ ;~rfngdf cfPsf !% zfvf tyf cl3Nnf] jif{ ;~rfngdf cfPsf !@ j6f zfvfx¿sf] k"0f{ jflif{s k|efj g} xf] . Joj;fodf ePsf] j[l4, d'b|f:kmLlt cflbn] ;d]t cGo ;~rfng vr{df j[l4 NofPsf x'g\ .

18 d]/f] a}+s – d]uf a}+s

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cf=j= @)^&÷^* cf=j= @)^*÷^(

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd lgIf]k tyf shf{ ;'/If0f lgud k|f=ln=;Fu ;dLIff jif{df ;Demf}tf u/L JolQmut lgIf]kstf{x¿sf] ?=@ nfv;Ddsf] art tyf d'2tL lgIf]ksf] ;'/If0f u/fpg] of] a}+s g]kfns} k|yd jfl0fHo a}+s xf] . o;} cjlwdf a}+sn] a}+lsË ;]jfsf] kx'Fr gePsf jf Go"g /x]sf d'n'ssf !$ ljleGg :yfgdf a}+ssf] n3' a}+lsË O{sfO{cGtu{tsf] cTofw'lgs Pj+ ;'/lIft zfvf/lxt a}+lsË ;]jf ;~rfngdf NofO{ a}+lsË;]jfaf6 al~rt jf Go"g pkef]u ul//x]sf If]q tyf ;d'bfodf cfkm\gf] ;]jf lj:tf/ u/]sf] 5 . a}+ssf] o; k|of;nfO{ k|f]T;fxg Pj+ ;dy{g ug{sf] lgldQ a}+snfO{ cGt/f{li6«o u}/;/sf/L ;+:yf USAID sf] klg ;xof]u /x]sf] 5 . ;dLIff jif{df a}+sn] df]afOn a}+lsË ;]jf klg ;~rfngdf NofPsf] 5 . a}+ssf] cfkm\g} ljk|]if0f k|ljlw “d]uf /]ld6” sf] b]ze/ %)) eGbf a9L k|ltlglwx¿ /x]sf 5g\ eg] a}+ssf] ljk]|if0f ;]jfsf] cfGtl/s tyf cGt/fli6«o ;xsfo{tf lbgfg'lbg a9\bf] qmddf /x]sf] 5 . a}+sn] d]uf z'ef/De art vftf, d]uf gf/L ljz]if art vftf, d]uf nf]slk|o art vftf, d]uf :jfledfg art vftf, d]uf of]Ë:6f/ art vftf, d]uf sd{rf/L art vftf, d]uf o'y dfO{ a}+s @ SofDk; vftf, d]uf 8n/ vftf h:tf nf]slk|o lgIf]k of]hgfx¿ ahf/df NofPsf] 5 .

;dLIff jif{df a}+sn] ?= !& s/f]8 *& nfv ;~rfng d'gfkmf cfh{g u/]sf] 5, h'g cl3Nnf] jif{df ?= * s/f]8 ^$ nfv lyof] . ;Defljt gf]S;fgLsf lgldQ 5'6\ofP/ /flvPsf] /sdkZrft a}+ssf] af]g; tyf s/cl3sf] d'gfkmf ?= !! s/f]8 ## nfv ePsf] 5, h'g cl3Nnf] jif{ # s/f]8 *@ nfv lyof] . cl3Nnf] jif{sf] ?= @ s/f]8 $# nfv v"b d'gfkmfsf] t'ngfdf ;dLIff jif{df a}+sn] ?= & s/f]8 !( nfv v"b d'gfkmf cfh{g ug{ ;kmn ePsf]] 5, h'g !(%Ü sf] j[l4 xf] . ;/sf/L /fhZjdf o;jif{ a}+ssf] of]ubfg ?= # s/f]8 !! nfv /x]sf] 5 .

hu]8f tyf sf]ifdf ;dLIff jif{df a}+sn] & s/f]8 #) nfv sf] yk of]ubfg k'¥ofPsf] 5, h;kZrft pQm sf]ifdf ?= !% s/f]8 #* nfv hu]8f sfod /x]sf] 5 . s'n ;DklQdf k|ltkmn cl3Nnf] jif{ )=%!Ü ePsf]df ;dLIff jif{df pQm k|ltkmn )=^^Ü sfod /x]sf] 5 . To;}u/L, cl3Nnf] jif{sf] !=$$Ü sf] z]o/wgLsf] h]yfdf ePsf] k|ltkmn o;jif{ $=@)Ü sfod /x]sf] 5 .


Rffn" jif{sf] pknlAw tyf efjL sfo{qmdRffn" cfly{s jif{sf] klxnf] q}dfl;s cjlw;Dd a}+ssf] s'n lgIf]kdf ?= ! ca{ &# s/f]8n] j[l4 eO{ ?= !) ca{ (@ s/f]8 k'u]sf] 5 eg] shf{tkm{ ?= @ ca{ ## s/f]8n] j[l4 eO{ ?= !) ca{ #* s/f]8 k'u]sf] 5 . of] cjlwdf a}+ssf] u|fxssf] ;+Vofdf !! xhf/ eGbf a9Ln] j[l4 ePsf] 5 . oxL cjlwdf a}+sn] ?= * s/f]8 ^ nfv ;~rfng d'gfkmf cfh{g u/]sf] 5, h'g cToGt} ;Gtf]ifhgs /x]sf] 5 . xfn a}+ssf @* j6f zfvf sfof{nox¿, #! j6f Pl6Pd d]lzgx¿ tyf !^ j6f zfvf/lxt a}+lsË s]Gb|x¿ ;~rfngdf 5g\ . @& dlxgfsf] 5f]6f] ;~rfng cjlwdf xfl;n ePsf oL pNn]vgLo pknlAwx¿ x'g .

o;}jif{ a}+sn] ;j{;fwf/0fnfO{ 5'6\ofOPsf] z]o/ ;fj{hlgs lgisf;g -Initial Public Offering_ ug]{ nIo cg'¿k ;f];Fu ;DalGwt ljleGg sfo{x¿ tLj|tfsf ;fy cufl8 a9fPsf] 5 .

a}+sn] zfvf/lxt a}+lsË k|ljlwsf] dfWodaf6 a}+lsË kx'Fr gePsf If]qx¿df a}+lsË ;]jf pknAw u/fpFb} cfPsf] ;Gbe{df rfn"jif{ Pj+ eljiodf ;d]t ;f] sfo{nfO{ ;zQm Pj+ k|efjsf/L 9Ën] cufl8 a9fpFb} n}hfg] 5 . o;sf ;fy} n3'ljQ shf{nfO{ yk lj:tf/ u/L ljQLo ;]jfaf6 al~rt ljkGgju{sf] hLjg:t/ psf:g] sfo{nfO{ lg/Gt/tf lbOg] 5 . xfn}sf] pknlAwdf a}+sn] cGt/f{li6«o u}/;/sf/L ;+:yf HELVETAS ;Fusf] ;xsfo{df s]/f tyf hl8a'6L v]tL Pj+ zLk ljsf;sf] lgldQ n3'ljQ sfo{qmd cufl8 a9fO/x]sf] 5 . a}+ssf] n3'ljQ O{sfO{sf] dfWodaf6 s[lif If]qsf] ljsf; Pj+ k|j4{gtkm{ ljleGg cWoog tyf k|of;x¿ eO/x]sf] ;Gbe{df ;f]sf] ;kmn sfof{Gjogtkm{ ;hu /xL yk sfo{qmdx¿ cufl8 a9fpFb} nlug]5 . phf{÷hnljB't If]qnfO{ k|fyldstf lb+b} /fi6«sf] phf{ ;+s6 ;dfwfgdf ;xof]u k'¥ofpg] x]t'n] ;f] If]qdf nufgL ug{ a}+s cu|;/ /xg]5 .

/fli6«o cy{tGqsf] d]¿b08sf] ¿kdf /x]sf] ;fgf tyf demf}nf pBf]u÷Joj;fo Pj+ s[lif tyf ko{6gtkm{ nufgLnfO{ a9fjf lbg] x]t'n] a}+sn] rfn" cfly{s jif{nfO{ “Mega SME

Year 2069/70” sf] ¿kdf kl/eflift u/L ;f]sf] nIo k|flKtsf lgldQ ;zQm ¿kn] lqmofsnfkx¿ cufl8 a9fO{ /x]sf] 5 . o;n] a}+ssf] nufgLdf ljljwtf NofO{ ljleGg hf]lvdx¿nfO{ Go"gLs/0f ug'{sf ;fy} pk/f]Qm pBf]u÷Joj;fox¿sf] ljsf;df s]xL 6]jf k'Ug] xfdLn] ljZjf; lnPsf 5f}+ . ;fy}, a}+sn] sf7df08f} pkTosfleq ;8s lj:tf/sf qmddf elTsPsf ejg k'glg{df0f tyf Joj;fo k'g:yf{kgf ug{sf] lgldQ “d]uf vfFrf]sf] ;fFrf] of]hgf” gfds shf{ nufgL of]hgf ahf/df NofPsf] 5 .

s'g} ju{ jf If]qdf clws]lGb|t geP/ ;dli6ut ¿kdf u|fxs ;+Vofdf j[l4 ub}{ n}hfg] tyf u|fxs ;'xfpFbf] ;]jf tyf ;'ljwfx¿ cl3 ;fg]{ a}+ssf] /0fgLlts ;f]rnfO{ lg/Gt/tf lb+b} rfn" jif{df cfkm\gf sfo{x¿nfO{ s]lGb|t ul/Fb} nlug]5 . Joj;flos hf]lvd tyf r'gf}ltx¿sf] pko'Qm ljZn]if0f u/L, ;Defljt gLltut kl/jt{gx¿ ;fdgf ug]{ ;Ifdtf af]s]/ z]o/wgLsf] h]yfdf clwseGbf clws of]ubfg k'¥ofpg] p2]Zon] rfn" jif{df Joj;fo ;~rfngsf] sfo{nfO{ cl3 a9fOg] 5 . v"b Aofh cfDbfgLdf j[l4, Aofh cfDbfgL afx]ssf cGo cfDbfgL j[l4sf >f]t÷cfwf/sf] klxrfg tyf sfof{Gjog / ;~rfng vr{df yk ldtJooLtf ckgfpg] sfo{df ;d]t a}+s s]lGb|t /xg] 5 .

;"rgf tyf k|ljlwsf] clwstd k|of]u u/L cfw'lgs, e/kbf]{ tyf l56f]5l/tf] tj/n] clws eGbf clws lskmfotL a}+lsË ;]jf tyf ;'ljwfx¿ Nofpg]tkm{ a}+s lqmofzLn /lxcfPsf]df To;tkm{sf] lg/Gt/tf sfod} /flvg] 5 . a}+sn] cfkm\gf] sflGtky d'Vo zfvfaf6 g]kfnd} klxnf]k6s NofPsf] …8 am

to 8 pmÚ a}+lsË ;'ljwf tyf ;f]xL zfvfaf6 #^% lbg} ;]jf k|bfg ub{} cfPsf]df o:tf cGo lj:tfl/t ;]jfx¿ cfufdL lbgdf yk zfvfx¿ ;d]taf6 7fpF ;'xfpFbf] Joj:yf u/L ;]jf k|bfg ul/g] 5 . o;tkm{ xfn} a}+sn] /fhwfgLsf] Jofkfl/s s]Gb| gofF ;8sl:yt cfkm\gf] zfvfdf ;fFemsf] ^M#) ah];Dd a}+lsË ;]jf lj:tf/ u/]sf] 5 . u|fxsju{x¿sf] ;'ljwf tyf ;'netfnfO{ Wofgdf /fv]/ ;~rfng k|f/De u/]sf] lbg b]lvg} a}+ssf] d'Vo zfvfaf6 a}+sn] Tea-Lounge

tyf E-Lounge h:tf ef}lts ;'ljwfx¿sf] Joj:yf u/]sf] 5 . sd{rf/Lx¿sf] bIftf clej[l4 ug{sf] lgldQ tflndsf] Joj:yf ug]{, cfGtl/s lgoGq0f k|0ffnLnfO{ cem k|efjsf/L agfpg], cGt/f{li6«o s/:kf]G8]G; tyf ljk]|if0f ;xsfo{tfdf j[l4 ub}{ n}hfg] a}+ssf lg/Gt/ lqmofsnfkx¿ dWo]df /x]sf 5g\ .

a}+ssf] sf/f]af/nfO{ c;/ kfg]{ d'Vo sf/0fx¿/fli6«o tyf cGt/f{li6«o If]qsf] 36gfqmd, gLltut kl/j{tg / b]lvg] k|j[ltx¿n] a}+ssf] sf/f]af/nfO{ k|ToIf tyf ck|ToIf ¿kdf c;/ kfb{5g\, h;dWo] ;/sf/L tyf cGo lgofds lgsfox¿sf] gLlt, lgod tyf lgb]{zgx¿, k|lt:kwf{, b]zsf] /fhgLlts cj:yf, cGt/f{li6«o ahf/;Fusf] b]zsf] s'6gLlts ;DaGw tyf sf/f]af/, cy{tGqsf cGo If]qdf kg]{ c;/ / ;du| cy{tGqsf kl/;"rsx¿ k5{g\ .

zfvf lj:tf/ tyf Pl6Pd;dLIff jif{df a}+sn] sf7df8f+} pkTosfleq l7dL, af}4, d}ltb]jL, 6]s' tyf dxf/fhu~h / pkTosfaflx/ ljtf{df]8,

20 d]/f] a}+s – d]uf a}+s

w/fg, hgsk'/, gf/fo0fu9, wflbª, e}/xjf, 3f]/fxL, g]kfnu~h, b}n]v / wgu9L u/L !% j6f gofF zfvfx¿ ;~rfngdf NofO{ s'n zfvf ;+Vof @* k'¥ofPsf] 5 . a}+ssf ;Dk"0f{ zfvfx¿df ATM sf] Joj:yf ul/Psf] 5 eg] zfvfaflx/ @ :yfgx¿ -sf7df08f}sf] 7d]n / ;'Gwf/fsf] rfOgf 6fpg ;lkª sDn]S;_ df u/L a}+ssf] s'n #! j6f P6LPd Mega Money Machine (MMM) x¿ ;~rfngdf 5g\ . a}+sn] Smart Choice Technology (SCT) Pvt. Ltd. sf] ;b:otf lnO{ pQm sDkgLsf] ;~hfndfkm{t ATM sf/f]af/ ;~rfng ul//x]sf] 5 . Joj;flos clej[l4sf] ;DefJotfsf] cfwf/df cfpFbf lbgx¿df a}+ssf] zfvf lj:tf/ tyf sf8{;Fu ;DalGwt cGo ;xsfo{tkm{ kxn ul/g]5 .

;"rgf k|ljlw tyf zfvf/lxt a}+ls∙ ;]jfax'/fli6«o ;km\6j]o/ sDkgL cf]/]snn] pTkfbg u/]sf] cTofw'lgs a}+lsË ;km\6j]o/ …FlexcubeÚ a+}sn] k|of]udf NofPsf] 5 . ;"rgfk|ljlwsf] dfWodaf6 e/kbf{], ;'/lIft tyf k|efjsf/L ;]jf ;'ljwfx¿ pknAw u/fpgsf lgldQ a+}sn] ;~rfng cjlwb]lv g} u|fxsju{ dfem OG6/g]6 a+}lsË, PlalaP; ;]jf, Pl6Pd ;'ljwf k|of]udf NofPsf] 5 eg] u|fdL0f ;d'bfo;Ddsf] kx'FrnfO{ ;/n agfpgsf] lgldQ cTofw'lgs zfvf/lxt a}+lsË ;]jf (Branchless Banking) tyf df]afOn a+}lsË ;'ljwf klg ;~rfngdf NofPsf] 5 . xfn;Dd b]zsf ljleGg b'u{d tyf a}+lsË kxF'r Go"g /x]sf !^ :yfgx¿df a}+sn] zfvf/lxt a}+lsË s]Gb|x¿ ;~rfngdf NofPsf] 5 eg] rfn" jif{df of] ;~hfnnfO{ yk lj:tfl/t ub}{ n}hfg]tkm{ sfo{x¿ cl3 a9fpFb} nlug] 5 .

;Defljt k|fs[lts k|sf]k tyf cGo hf]lvdaf6 ;'/lIft /xg a}+sn] cGoq :yfgdf Disaster Recovery Site h8fg u/]sf] 5 . k|ljlwsf] k|of]uaf6 k|efjsf/L, ldtJooL tyf Jojl:yt 9+un] a+}ssf] cfGtl/s ;"rgf k|0ffnL tyf cGo Joj:yfkg sfo{x¿ ;~rfng eO/x]sf 5g\ .

cfGtl/s lgoGq0f k|0ffnLlj:t[t dfkb08;lxtsf gLlt, lgodfjnL tyf sfo{ljlwx¿sf ;fy} k|efjsf/L 9+un] :yflkt ;+/rgfTds 9fFrf tyf ;f] adf]lhdsf] sfo{If]q tyf clwsf/ ljefhgn] a}+ssf] cfGtl/s lgoGq0f k|0ffnL r':t tyf k|efjsf/L agfpg'sf ;fy} a}+s ;~rfngdf lglxt hf]lvdx¿nfO{ ;d]t Go"gLs/0f u/]sf] 5 . o;sf ;fy} a}+sdf kof{Kt cfGtl/s lgoGq0f sfod /fVg ;~rfns ;ldlt, n]vf k/LIf0f ;ldlt tyf Joj:yfkgn] cfGtl/s lgoGq0f k|0ffnLsf] k|efjsfl/tf k'g/fjnf]sg ug]{ u/]sf] 5 . a}+ssf] Joj:yfkgaf6 :jtGq a}+ssf cfGtl/s tyf afXo n]vfk/LIfsn] klg cfkm\gf k/LIf0f sfo{x¿af6 a}+ssf]

lgoGq0f k|0ffnL dfkg u/]/ a}+snfO{ pko'Qm /fo tyf ;'emfjx¿ pknAw u/fpF5g\ .

;+:yfut ;'zf;ga}+ssf] bL3{sfnLg ;kmntfsf] lgldQ k|efjzfnL ;+:yfut ;'zf;g ckl/xfo{ /x]sf]n] ;~rfns ;ldlt tyf Joj:yfkgn] ;+:yfut ;'zf;g ;DaGwL g]kfn /fi6« a}+s nufot cGo lgofds lgsfox¿åf/f hf/L gLlt Pjd\ lgb]{zgsf] a}+sn] kfngf ub}{ cfPsf] 5 / ;b}j kfngf ug]{ k|ltj4tf ;d]t JoQm u5{ . “xfd|f]nfO{ x}g /fd|f]nfO{ k|fyldstf” eGg] gf/fnfO{ cfTd;ft ub}{ a}+ssf ultljlwx¿nfO{ cl3 a9fpFb} nluPsf] 5 .

;DklQ z'l4s/0f (Money Laundering) lgjf/0fu}/sfg"gL tyf cjfl~5t 9+uaf6 cfh{g u/]sf] ;DklQsf] z'l4s/0f ug]{ ck/flws lqmofsnfknfO{ lgjf/0f ug{ g]kfn /fi6« a}+saf6 hf/L lgb]{zg adf]lhd u|fxs klxrfg tyf ;DklQ z'l4s/0f lgjf/0f ;DaGwL gLlt ;~rfns ;ldltaf6 :jLs[t u/fO{ nfu" ul/Psf] 5 . ;fy}, o; ;DaGwdf g]kfn /fi6« a}+saf6 hf/L gofF Joj:yf adf]lhd sfo{x¿ ;d]t cufl8 a9fOPsf 5g\ .

;+:yfut ;fdflhs pQ/bfloTjJoj;flos d'gfkmf cfh{g ug]{ dfq geO{ ;dfhsf] cleGg c+usf] x}l;otn] ;dfhk|ltsf] pQ/bfloTj cjZo /x]sf] x'G5 eGg] dfGotfnfO{ cfTd;ft u/]/ ;dfhk|ltsf] pQ/bfloTj jxg ug]{ qmddf a}+sn] ljleGg ;fdflhs sfo{df ;xof]u k'¥ofPsf] tyf ;f] sfo{x¿n] a}+sk|ltsf] b[li6sf]0fdf clt ;sf/fTds k|efj k/]sf] Joxf]/f ;+:yfks z]o/wgL dxfg'efjx¿nfO{ cjut u/fpg rfxfG5f}+ .

Dffgj ;+zfwgd]uf a}+sdf sd{rf/Lx¿nfO{ ;DklQsf] ¿kdf x]l/g] ul/Psf] 5 . a}+ssf] k|ult tyf ;kmntf ef}lts k"jf{wf/ jf cGo sf/0fn] geO{ :jo+ a}+sdf sfo{/t hgzlQmn] lbnfpg] ljZjf; lnOPsf] 5 . t;y{ a}+s;Fu pknAw hgzlQmsf] plrt pkof]lutfnfO{ ljz]if Wofg lbg] ul/Psf] 5, h;sf lgldQ sd{rf/Ld}qL jftfj/0f l;h{gf ug{ a}+s k|oTgzLn /xFb} cfPsf] 5 . bIf hgzlQm sfod /flv/xg jf cfslif{t ug{ tyf sd{rf/L :jo+sf] j[lQ ljsf;sf] nflu k|f]T;fxg ug]{ hgzlQm /0fgLlt tyf cEof;x¿sf] /rgf ul/Psf] 5 . sd{rf/Lx¿sf] Ifdtf, bIftf cyjf cfjZos tflnd tyf j[lQ ljsf;sf] ;d]t klxrfg u/L ;f]xL adf]lhd lhDd]jf/L x:tfGt/0f, tflnd, uf]i7L nufotsf cGo dfgj ;+zfwg ;DaGwL sfo{qmdx¿ ug]{ ul/Psf] 5 . a}+ssf d"Nox¿


k|f=8f=dbg s'df/ bfxfn 8f=b'dg yfkf k|f=8f= uf]ljGb g]kfn ef]haxfb'/ zfx uf]kfn vgfn cWoIf ;~rfns ;~rfns ;~rfns ;~rfns

dbg s'df/ cfrfo{ zDe' laqmd yfkf O{Zj/ axfb'/ u'?Ë ;'lzn /fd dfy]df ;~rfns ;~rfns ;~rfns ;~rfns

ldlt M @)^( sflt{s @#:yfg M d]uf dxn, sflGtky

;d:t sd{rf/Lx¿n] cg'z/0f ug]{ jftfj/0f ;[h{gf u/L a}+sdf d]uf ;+:s[ltnfO{ k|uf9 kfg]{ p2]Zon] ljleGg pknlAwd"ns sfo{qmdx¿ ;~rfng ul/+b} cfOPsf] 5 . sd{rf/Lx¿n] cfkm\gf] lhDd]jf/L pT;fxhgs ¿kdf ;Dkfbg ug{ pko'Qm clek|]/0ff k|bfg ug]{tkm{ a}+s s]lGb|t /xFb} cfPsf] 5 .

sd{rf/Lsf] ;+nUgtfnfO{ k|j4{g ug{ ;d:t sd{rf/Lx¿ ;xefuL x'g] u/L lgoldt ¿kdf ljleGg Joj;flos tyf dgf]/~hgfTds lqmofsnfkx¿sf] cfof]hgf ul/+b} cfOPsf] 5 . sd{rf/Lx¿nfO{ cfkm\gf JolQmut÷Joj;flos ;d:ofx¿ dfgj ;+;fwg ljefu;dIf lgw{Ss k|:t't ug]{ jftfj/0f agfOPsf] 5, h;n] sd{rf/Ldf ;sf/fTds :jefj clej[l4 ug{ k|f]T;fxg ug]{df xfdL ljZj:t 5f}+ . k|efjsf/L Pj+ ldtJooL ;~rfng / Joj:yfkg k|0ffnLsf] clej[l4sf nflu a}+sn] ;km\6j]o/sf] dfWodaf6 x/]s ljefux¿sf b}lgs lqmofsnfknfO{ lg/LIf0f ug]{ u/]sf] 5 eg] cfjZostf adf]lhd x]/km]/ jf k'g/fjnf]sg ;d]t ug]{ u/]sf] 5 . a}+ssf] cfGtl/s ;"rgf ;~hfn ;a} sd{rf/Lx¿sf] kx'Frleq ePsf] sf/0f ;~rf/ tyf ;"rgfsf] of] ;j{;'netfn] a}+sdf sfd ug]{ tyf Ifdtf clej[l4 ug]{ jftfj/0fnfO{ k|f]T;flxt u/]sf] 5 .

n]vfk/LIf0fa}+ssf] k|yd jflif{s ;fwf/0f;efn] cfly{s jif{ @)^*÷^( sf] nflu n]vf k/LIf0f ug{ P;=cf/=kf08] P08 sDkgL, rf6{8{ Psfp06]G6;\nfO{ n]vfk/LIfs lgo'Qm u/]sf] ;Gbe{df pQm sDkgLn] tLg sfo{sfnsf] lgldQ afXo n]vfk/LIf0fsf] sfo{ ;DkGg ul/;s]sf] x'gfn] sDkgL P]g, @)^# tyf a}+s tyf ljQLo ;+:yf;DaGwL P]g, @)^# df ePsf] Joj:yf adf]lhd pQm sDkgLsf] sfo{sfn ;dfKt ePsf] 5 . t;y{, cfly{s jif{ @)^(÷&) sf] lgldQ afXo n]vfk/LIfs

lgo'lQmsf nflu a}+ssf] n]vf k/LIf0f ;ldltsf] l;kmfl/;df a}+ssf] bf]>f] ;fwf/0f;efdf :jLs[ltsf] nflu k]z ul/Psf] 5 .

;~rfns ;ldltldlt @)^* ;fn kf}if @* ut] ;DkGg a}+ssf] k|yd jflif{s ;fwf/0f ;efn] ^ ;b:oLo ;~rfns ;ldlt lgjf{lrt u/]sf] Joxf]/f oxfFx¿nfO{ ljlbt} 5 . ;u/dfyf ;d"xaf6 8f= b'dg yfkf, df5fk'R5]« ;d"xaf6 >L dbg s'df/ cfrfo{, wf}nflu/L ;d"xaf6 >L uf]kfn vgfn, uf}/Lz+s/ ;d"xaf6 k|f=8f=uf]ljGb g]kfn, cGgk"0f{ ;d"xaf6 >L ef]h axfb'/ zfx / s~rghËf ;d"xaf6 k|f=8f=dbg s'df/ bfxfn ;~rfns 5f}+ . k|yd ;fwf/0f;ef ;DkGg ePnut} a;]sf] ;~rfns ;ldltsf] a}7sn] k|f=8f=dbg s'df/ bfxfnnfO{ ;j{;Ddt ¿kdf ;~rfns ;ldltsf] cWoIfdf rog u/]sf] 5 . ldlt @)^( ;fn cfiff9 !! ut] a;]sf] ;~rfns ;ldltsf] %@cf}+ a}7ssf] lg0f{o cg';f/ xfn a}+ssf] lgodfjnLdf ePsf] Joj:yf adf]lhd ;j{;fwf/0f z]o/wgLx¿af6 k|ltlglwTj x'g] kb ;+Vof @ df ;+:yfks ;b:ox¿ dWo]af6 >L zDe' laqmd yfkf / >L O{Zj/ axfb'/ u'¿Ë tyf ljz]if1 ;~rfns >L ;'lzn /fd dfy]df ;~rfns ;ldltdf dgf]lgt eO{ xfn ( ;b:oLo ;~rfns ;ldlt lqmofzLn /x]sf] 5 .

cGTodf a}+ssf kmfp08/ tyf ;+:yfks z]o/wgL dxfg'efjx¿, ;d:t u|fxsju{x¿, g]kfn /fi6« a}+s, g]kfn ;/sf/ tyf cGo lgodgsf/L lgsfox¿, k|d'v sfo{sf/L clws[t >L clgn s]z/L zfx / pxfFsf] g]t[Tjsf] Joj:yfkg ;d"x Pj+ ;Dk"0f{ sd{rf/Lx¿ tyf a}+ssf] Joj;fosf] j[l4 Pj+ ljsf;df k|ToIf jf ck|ToIf ¿kdf ;xof]u k'¥ofpg' x'g] ;Dk"0f{ z'e]R5'sx¿sf ;fy} ;~rf/ dfWodk|lt xflb{s cfef/ JoQm ub}{ wGojfb lbg rfxfG5f} + .

22 d]/f] a}+s – d]uf a}+s

-s_ ljut jif{sf] sf/f]af/sf] l;+xfjnf]sg ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-v_ /fli6«o tyf cGt/f{li6«o kl/l:yltaf6 sDkgLsf] sf/f]af/nfO{ s'g} c;/ k/]sf] eP ;f] c;/ ;/sf/L tyf cGo lgofds lgsfox¿sf] gLlt, lgod tyf lgb]{zgx¿ jf To;df kl/jt{g, k|lt:kwf{, b]zsf] /fhgLlts cj:yf, cGt/f{li6«o ahf/;Fusf] b]zsf] s'6gLlts ;DaGw tyf sf/f]af/, cy{tGqsf cGo If]qdf kg]{ c;/ / ;du| cy{tGqsf kl/;"rsx¿n] sDkgLsf] sf/f]af/nfO{ c;/ kf/]sf] 5 .

-u_ k|ltj]bg tof/ ePsf] ldlt;Dd rfn" jif{sf] pknlAw / eljiodf ug'{kg]{ s'/fsf] ;DaGwdf ;~rfns ;ldltsf] wf/0ff

;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-3_ sDkgLsf] cf}Bf]lus jf Jofj;flos ;DaGw

xnf]b]lv xfO8«f];Ddsf x/]s g]kfnLsf] a}+s eO{ ;Dk"0f{{ u|fxsx¿sf] nflu pRr:t/Lo ;]jf k|bfg ug]{ nIo;fy cl3 al9/x]sf] o; a}+sn] ;~rfngsf] 5f]6f] cjlwd} k|uf9 cf}Bf]lus tyf Jofj;flos ;DaGw sfod ug{ ;kmn ePsf] 5 . a}+s;Fu ljleGg If]q;+u cfa4 u|fxsju{x¿n] sf/f]af/ ug'{x'G5 eg] Jofj;flos ljljwtfdf lbgfg'lbg j[l4 eO/x]sf] 5 . ;~rfngsf] 5f]6f] cjlwd} a}+sn] w]/} nf]slk|otf xfl;n u/]sf] 5 .

-ª_ ;~rfns ;ldltdf ePsf] x]/km]/ / ;f]sf] sf/0f

a}+ssf] lgodfjnLsf] lgod @& cg';f/ ldlt @)^( ;fn cfiff9 !! ut] a;]sf] ;~rfns ;ldltsf] %@cf}+ a}7ssf] lg0f{o cg';f/ ljz]if1 ;~rfnsdf >L ;'lzn /fd dfy]df -l/Qm /x]sf] kbdf lgo'lQm_ / ;j{;fwf/0fsf] nflu 5'6\ofO{Psf] ;~rfns kb ;+Vof b'O{df z]o/sf] ;fj{hlgs lgisf;g eO{ ;~rfns ;ldltdf ;j{;fwf/0fsf] k|ltlglwTj gx'Fbf;Ddsf nflu ;+:yfks ;b:ox¿ dWo]af6 >L O{Zj/ axfb'/ u'¿Ë / >L zDe' laqmd yfkfnfO{ ;~rfnsdf lgo'lQm ul/Psf] .

-r_ sf/f]af/nfO{ c;/ kfg]{ d'Vo s'/fx? ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-5_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f]pk/ ;~rfns ;ldltsf] k|ltlqmof

s}lkmot pk/ ;'wf/sf] lgldQ ;~rfns ;ldltn] Joj:yfkgnfO{ cfjZos lgb]{zg lb+b} cfPsf] 5 / ;'wf/sf] lgldQ a}+s sl6a4 5 .

-h_ nfef+z afF8kmfF8 ug{ l;kmfl/; ul/Psf] /sd gePsf] .

-em_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof, To:tf] z]o/sf] clÍt d"No, To:tf] z]o/ hkmt x'g'eGbf cufj} ;f]afkt sDkgLn] k|fKt u/]sf] hDdf /sd / To:tf] z]o/ hkmt ePkl5 ;f] z]o/ laqmL u/L sDkgLn] k|fKt u/]sf] /sd tyf hkmt ePsf] z]o/afkt /sd lkmtf{ u/]sf] eP ;f]sf] ljj/0f gePsf] .

-~f_ ljut cfly{s jif{df sDkgL / o;sf] ;xfos sDkgLsf] sf/f]af/sf] k|ult / ;f] cfly{s jif{sf] cGtdf /x]sf] l:yltsf] k'g/fjnf]sg

sDkgLsf] sf/f]af/ k|ult ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] 5 eg] a}+ssf] ;xfos sDkgL gePsf] .

-6_ sDkgL tyf To;sf] ;xfos sDkgLn] cfly{s jif{df ;DkGg u/]sf] k|d'v sf/f]af/x? / ;f] cjlwdf sDkgLsf]

sDkgL P]g @)��^# sf] bkmf !)��( pkbkmf $ cg';f/sf] cltl/Qm ljj/0f


qm=;+= Gffd kb z]o/ ;+Vof

! k|f=8f=dbg s'df/ bfxfn cIoIf, ;~rfns ;ldlt %),))) lsQf@ 8f=b'dg l;+x yfkf If]qL ;b:o, ;~rfns ;ldlt !,(),))) lsQf# k|f=8f=uf]ljGb g]kfn ;b:o, ;~rfns ;ldlt !),))) lsQf$ >L ef]h axfb'/ zfx ;b:o, ;~rfns ;ldlt #),))) lsQf% >L uf]kfn vgfn ;b:o, ;~rfns ;ldlt !,@),))) lsQf ^ >L dbg s'df/ cfrfo{ ;b:o, ;~rfns ;ldlt $),))) lsQf& >L zDe' laqmd yfkf ;b:o, ;~rfns ;ldlt !,%),))) lsQf* >L O{Zj/ axfb'/ u'¿Ë ;b:o, ;~rfns ;ldlt $),))) lsQf( >L ;'lzn/fd dfy]df ;b:o, ;~rfns ;ldlt gePsf] -ljz]if1 ;~rfns_!) >L t'N;L /fd kf]v/]n sDkgL ;lrj !,!),))) lsQf

-9_ ljut cfly{s jif{df sDkgL;Fu ;DalGwt ;Demf}tfx?df s'g} ;~rfns tyf lghsf] glhssf] gft]bf/sf] JolQmut :jfy{sf] af/]df pknAw u/fOPsf] hfgsf/Lsf] Joxf]/f

hfgsf/L pknAw gePsf] .

-0f_ sDkgLn] cfˆgf] z]o/ cfkm}n] vl/b u/]sf] eP To;/L cfˆgf] z]o/ vl/b ug'{sf] sf/0f, To:tf] z]o/sf] ;+Vof / clÍt d"No tyf To;/L z]o/ vl/b u/]afkt sDkgLn] e'QmfgL u/]sf] /sd

gePsf] .

-t_ cfGtl/s lgoGq0f k|0ffnL eP jf gePsf] / ePsf] eP ;f]sf] lj:t[t ljj/0f

ljj/0f ;~rfns ;ldltsf] k|ltj]bgdf ;+nUg ul/Psf] .

-y_ ljut cfly{s jif{sf] s'n Joj:yfkg vr{sf] ljj/0f

-!_ sd{rf/L vr{ ?= !!,#),^#,*#@ -@_ sfof{no ;~rfng vr{ ?= !&,*^,^(,)^(

-b_ n]vfk/LIf0f ;ldltsf ;b:ox?sf] gfdfjnL, lghx?n] k|fKt u/]sf] kfl/>lds, eQf tyf ;'ljwf, ;f] ;ldltn] u/]sf] sfd sf/afxLsf] ljj/0f / ;f] ;ldltn] s'g} ;'emfj lbPsf] eP ;f]sf] ljj/0f

-!_ n]vfk/LIf0f ;ldltsf ;b:ox¿sf] gfdfjnL M ;~rfns k|f=8f=uf]ljGb g]kfn ;+of]hs ;~rfns >L uf]kfn vgfn ;b:o >L t'N;L /fd kf]v/]n ;b:o ;lrj-@_ ;ldltsf ;b:ox¿nfO{ a}7s eQf afx]s s'g}

kfl/>lds of ;'ljwf k|bfg ul/Psf] 5}g eg] ;+of]hs / ;b:onfO{ k|lt a}7s eQf ?= @,%))÷– k|bfg ul/Psf] 5 .

-#_ cfly{s jif{ @)^*÷^( df n]vfk/LIfs ;ldltsf] a}7s ^ k6s a;]sf] 5 . ;ldltn] a}+ssf] gLlt lgod tyf ;~rfng ;DaGwL sfd s'/fx¿sf] k'g/fjnf]sg u/L Joj:yfkg tyf ;~rfns ;ldltnfO{ cfjZos ;'emfjx¿ ;d]t lbPsf] 5 . o;sf ;fy} g]kfn /fi6« a}+s tyf afXo n]vfk/LIfsn] lbPsf] k|ltj]bg pk/ lj:t[t ¿kdf 5nkmn u/L ;~rfns ;ldltnfO{ cfjZos ;'emfj lbPsf] 5 .

-w_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v, sDkgLsf cfwf/e"t z]o/wgL jf lghsf] glhssf gft]bf/ jf lgh ;+nUg /x]sf] kmd{, sDkgL jf ;+ul7t ;+:yfn] sDkgLnfO{ s'g} /sd a'emfpg afFsL eP ;f] s'/f

gePsf] .

-g_ ;~rfns, k|aGw ;~rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx?nfO{ e'QmfgL ul/Psf] kfl/>lds, eQf tyf ;'ljwfsf] /sd

sf/f]af/df cfPsf] s'g} dxTjk"0f{ kl/jt{g sDkgLn] a}+lsË sf/f]af/ ;~rfng u/]sf] / dxTjk"0f{

sfo{x¿sf] af/]df ;~rfns ;ldltsf] k|ltj]bgdf pNn]v ul/Psf] 5 eg] a}+ssf] ;xfos sDkgL gePsf] .

-7_ ljut cfly{s jif{df sDkgLsf] cfwf/e"t z]o/wgLx?n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L

hfgsf/L k|fKt gePsf] .

-8_ ljut cfly{s jif{df sDkgLsf ;~rfns tyf kbflwsf/Lx?n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f / sDkgLsf] z]o/ sf/f]af/df lghx? ;+nUg /x]sf] eP ;f] ;DaGwdf lghx?af6 sDkgLn] k|fKt u/]sf] hfgsf/LsDkgLsf ;~rfns tyf kbflwsf/Lx¿sf] z]o/ :jfldTjsf] ljj/0f lgDg adf]lhd /x]sf] 5 eg] sDkgLsf] z]o/ sf/f]af/df pxfFx¿ ;+nUg g/xg'ePsf] M

24 d]/f] a}+s – d]uf a}+s

qm=;+= ljj/0f k|d'v sfo{sf/L cGo kbflwsf/L clws[t

! tna !,$&,)) @,!(,$%@ eQf !@,@% !,%(,*&# ;~rosf]if @!,(%$ OGwg #,#% @!,*#% hDdf ;+Vof ! @@

?= xhf/df

dfly pNn]lvt eGbf afx]s k|d'v sfo{sf/L clws[tnfO{ ;]jf s/f/ adf]lhd uf8L ;'ljwf, rfns, ;'/Iff uf8{, b'3{6gf÷cf}ifwf]krf/ ladf tyf df]afOn lan vr{ k|bfg ul/Psf] 5 . k|aGws txb]lv dflysf cGo kbflwsf/Lx¿nfO{ a}+ssf] of]hgf cg';f/sf] cfjf; shf{, uf8L ;'ljwf, 6]lnkmf]g vr{ tyf hLjg÷b'3{6gf÷cf}ifwf]krf/ ladfsf] Joj:yf ul/Psf] 5 .

;~rfnsx¿nfO{ a}7s eQf afkt ?= &,*@,)))÷– k|bfg ul/Psf] tyf a}+ssf] sfdsfhsf] l;nl;nfdf e|d0f afkt a}+ssf] lgodfjnL adf]lhd eQf :j¿k ?= ^$,)))÷– k|bfg ul/Psf] 5 .

a}+ssf k|aGws tx b]lv dflysf cGo kbflwsf/Lx¿nfO{ lgDg adf]lhdsf] kfl/>lds, eQf tyf ;'ljwf k|bfg ul/Psf] 5 M

-k_ z]o/wgLx?n] a'lemlng afFsL /x]sf] nfef+zsf] /sd

gePsf] .

-km_ bkmf !$! adf]lhd ;DklQ vl/b jf laqmL u/]sf] s'/fsf] ljj/0f

zfvf lj:tf/sf] qmddf cfjZos l:y/ ;DklQsf] vl/bafx]s cGo ;DklQsf] vl/b jf laqmL gePsf] .

-a_ bkmf !&% adf]lhd ;Da4 sDkgLaLr ePsf] sf/f]af/sf] ljj/0f

gePsf] .

-e_ o; P]g tyf k|rlnt sfg"g adf]lhd ;~rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f

o; k|ltj]bgsf] pko'Qm 7fpFdf k|:t't ul/Psf] .

-d_ cGo cfjZos s'/fx? o; k|ltj]bgsf] pko'Qm 7fpFdf k|:t't ul/Psf] .


cg'kdf v'~h]nLk|d'v ;~rfng clws[t

/jLgf b]z/fh >]i7k|d'v pkef]Qmf a}+lsË tyf

skf]{/]6 ck]mo;{

pRr Joj:yfkg ;d"x

Joj:yfkg ;d"x

cldt >]i7k|d'v P;PdO{ shf{ tyf zfvf k|aGws, gofF;8s

zDe'axfb'/ yfkf k|aGws d'Vo zfvf tyf Pl6Pd ;~rfng

Zofd rGb k|d'v ;"rgf tyf k|ljlw

;'lht 9sfn k|d'v pkef]Qmf shf{ tyf zfvf k|aGws, gofF afg]Zj/

k|b\o'dg kf]v/]nk|d'v P;PdO{ Joj;fo ljsf; tyf c;"nL

o'j/fh u'/fufO{{+k|d'v n3'ljQ shf{

/jLgf b]z/fh >]i7k|d'v pkef]Qmf a}+lsË tyf skf]{/]6 ck]mo;{

/d]z v8sfk|d'v ljQ tyf of]hgf

lak'n axfb'/ /fodfemLk|d'v hf]lvd Joj:yfkg tyf ;~rfng

cg'kdf v'~h]nLk|d'v ;~rfng clws[t

/fh's[i0f >]i7k|d'v k|zf;g tyf ;~hfn lj:tf/

lzn' cof{nk|aGws lgIf]k tyf zfvf k|aGws dxf/fhu~h


ljBfsfGt clwsf/Lk|d'v sfg"g, cg'kfngf tyf z]o/ ;~rfng

8]gL >]i7k|d'v ljZj ahf/ tyf 6«]8 kmfOgfG;

t'N;L/fd kf]v/]nsDkgL ;lrj tyf k|d'v cfGtl/s n]vfk/LIf0f

k|1f kf08]k|d'v skf]{/]6 shf{

l/t]z nfld5fg]k|d'v lgIf]k, ljk|]if0f tyf sf8{

h]g' yfkfk|d'v dfgj ;+zfwg

cdTo{ cf]hZjL pkfWofozfvf k|aGws jL/u+h

/fh]z zdf{k|d'v shf{ k|zf;g tyf PgkLP Joj:yfkg

;]jf tyf ;'ljwfx?pkef]Qmf shf{d]uf a}+sn] cfˆgf u|fxsx?sf] JolQmut cfjZostf k"lt{ ug{ ljleGg k|sf/sf pkef]Qmf shf{x? u|fxs;dIf NofPsf] 5 . u|fxssf] JolQmut cfjZostfnfO{ ;Daf]wg ug]{ u/L pkef]Qmf shf{ cGtu{t ljleGg of]hgf NofOPsf] x+'Fbf u|fxsx?nfO{ cfkm\gf]kgsf] cfefif x'g] u/L ;]jf pknAw u/fpg a}+s ;b}j k|lta4 5, rfx] Tof] 3/ vl/b ug{ rflxg] ljQLo cfjZostf xf]; jf ;jf/L ;fwg, 3/]n' pks/0f, afnaflnsfsf nflu lzIff, cf}ifwf]krf/ jf kfl/jfl/s labf dgfpg cfjZos kg]{ ljQLo cfjZostf g} lsg gxf]; . u|fxsx?sf rfxgf cg's'nsf xfd|f pTkfbgx?n] pxfFx?sf] ;j} sNkgfnfO{ oyfy{df kl/0ft ug{ ;xof]u k'¥ofpF5 .

d]uf c6f] nf]g (Mega Auto Loan)M d]uf c6f] nf]gn] u|fxssf nflu gofF jf k|of]udf cfO/x]sf lghL ;jf/L ;fwgsf ;fy} Joj;flos k|of]hgsf nflu ;jf/L ;fwg vl/b ug{ ljQLo ;xof]u pknAw u/fpFb5 . cfsif{s Aofhb/, nlrnf] shf{ cjlw tyf e'QmfgL ljsNk h:tf sf/0fn] d]uf c6f] nf]gn] u|fxsnfO{ ;lhn} cfˆgf] O{R5fOPsf] ;jf/L ;fwg 3/ n}hfg ;xh agfPsf] 5 .

Df]uf cfjf; shf{ (Mega Home Loan): a}+sn] Df]uf cfjf; shf{ (Home Loan) dfkm{t u|fxsx?nfO{ emGem6/lxt l56f] 5l/tf] k|lqmof dfkm{t shf{ :jLs[lt, ;xh Pj+ nrsbf/ e'QmfgL k|lqmof tyf cfsif{s Aofhb/ ;lxtsf ljljw ljz]iftfo'Qm Kofs]h k|:t't u/]sf] 5 . hUuf vl/b, tof/L 3/ vl/b, ckf{6d]G6sf] vl/b, cfjf; lgdf{0f, dd{t, k'glg{df{0f jf 3/]n' pks/0f vl/b ug{ d]uf xf]d nf]gdfkm{t a}+sn] u|fxssf nflu k"0f{ ljQLo ;dfwfg lbb} cfPsf] 5 .

d]uf df]6{u]h nf]g (Mega Mortgage Loan)M nfdf] shf{cjlw, cfsif{s Aofhb/, ;/n Pj+ l56f] 5l/tf] shf{ k|s[of;lxtsf] ljz]iftf ePsf] d]uf df]6{u]h shf{ Ps nlrnf] of]hgf xf] . o; cGtu{t u|fxsn] cfˆgf] tTsflng ljQLo cfjZostf k"/f ug{ ;Sg]5g\ . pkef]Qmfn] cfˆgf] :jfldTjdf /x]sf] crn ;DklQ b[li6aGws u/L d]uf df]6{u]h nf]gsf] dfWodaf6 cfˆgf] ljQLo cfjZostf k"/f ub}{ cfPsf5g\ .

d]uf df]6{u]h cf]e/8«fkm\6 (Mega Mortgage Overdraft Loan): d]uf df]6{u]h cf]e/8«fkm\6 gljs/0f x'g] k|s[ltsf] shf{ ;'ljwf xf] h;n] u|fxssf] cNksflng ljQLo

cfjZostf k"/f ug{ cfˆgf] :jfldTjdf /x]sf] cfjf; jf Joj;flos ;DklQ a}+sdf lwtf] /fv]/ k|fKt ug{ ;Sg]5g\ . u|fxsnfO{ cfˆgf] ljQLo cfjZostf tTsfn} k"lt{ u/L ;f]sf] e'QmfgL dfl;s ?kdf ug{ ;lsg] o; d]uf df]6{u]h cf]e/8«fkm\6 of]hgfdf u|fxsn] pkof]u u/]sf] /sdsf] dfl;s÷q}dfl;s cjlwdf Aofh ltg{'kb{5 .

d]uf JolQmut shf{ (Mega Personal Loan)M d]uf JolQmut shf{ ax'p2]ZoLo k|of]hgsf] nflu pkof]u ug{ ;lsg] k|s[ltsf] shf{ ;'ljwf xf], h;df u|fxssf ;–;fgf ljQLo cfjZostf k"lt{ ug{ a}+sn] l56f]5l/tf] tl/sfaf6 of] shf{ pknAw u/fpF5 . pkef]Uo tyf Joj;flos ;fdfu|Lx? vl/b ug{, labf dgfpg tyf cf}ifwf]krf/ nufotdf cfjZos kg]{ ljQLo vfFrf] 6fg{ d]uf JolQmut shf{ u|fxssf] nflu cToGt ;xh / emGem6/lxt k|s[ltsf] shf{ of]hgf xf] .

d]uf z}lIfs shf{ (Mega Education Loan)M g]kfnleq jf g]kfnaflx/ pRr lzIff cWoog ug{ rfxg] ljBfyL{sf] ;xh ljQLo ;dfwfgsf] ?kdf d]uf z}lIfs shf{ of]hgfnfO{ a}+sn] NofPsf] xf] . o;df crn ;DklQ lwtf] /fvL OR5's u|fxsn] pRr lzIffsf nflu cfjZos kg]{ egf{ tyf cWoog z'Ns, d;nGb tyf cGo cfjZos vr{ wfGg shf{ lng ;Sb5g . rf/ jif{;Ddsf] e'QmfgL :yug cjlw ePsf] o; of]hgfdf u|fxsn] :yug cjlwe/ pkof]u u/]sf] shf{sf] Aofhdfq ltg{ ;Sg] ljsNk ;d]t /x]sfn] of] of]hgf u|fxsd}qL 5 .

d]uf 8fO/]S6 a}+lsË (Mega Direct Banking)M u|fxsju{df ;dlk{t ;'/lIft cgnfOg a}+lsË d]uf 8fO/]S6 a}+lsËn] u|fxsnfO{ cfkm\gf] 3/, sfof{no jf OG6/g]6 ;'ljwf pknAw ePsf] s'g}klg :yfgaf6 @$ ;} 306f, #^% lbg g} a}+lsË ;'ljwfsf] nflu ;Ifd agfPsf] 5 . d]uf 8fO/]S6 a}+lsË ;]jf JolQmut tyf ;+:yfut b'j}y/Lsf u|fxsx?n] pkof]u ug{ ;Sb5g\ . o;af6 u|fxsx?n] cfkm\gf] vftfdf ePsf] sf/f]af/sf] lj:t[t hfgsf/L lng, r]sdfkm{t /sd e'QmfgL eP gePsf] hfgsf/L lng, lgIf]k tyf shf{sf] hfgsf/L lng tyf a}+s leq}sf] ljleGg vftfdf /sdfGt/ ug{ ;d]t ;Sg]5g\ .

skf]{/]6 a}+ls· b]zsf 7"nf Jofkfl/s Pj+ cf}Bf]lus k|lti7fgx?sf]] ljQLo cfjZostfsf ;fy} k|lt:kwf{Tds cj:yf ;d]tnfO{ Wofgdf /fVb} oL 7"nf k|lti7fgx?sf] Joj;fo j[l4 of]hgfnfO{ a}+sn] /fd|f];Fu a'‰b}cfPsf] 5 . d]uf skf]{/]6 a}+lsËn] d'n'ssf oL 7"nf k|lti7fg tyf ax'/fli6«o sDkgLx?sf] ;~rfngdf cfjZos kg]{ ljQLo ;d:of ;dfwfgsf nflu ljleGg ljQLo ;]jfx? pknAw u/fpFb} cfPsf] 5 . o;sf nflu cfjZostf cg';f/sf] rfn'k'FhL shf{, k|tLtkq, cfoft÷lgof{t shf{, l8df08 shf{, cfjlws shf{, lan kmfOgfG;, k|f]h]S6 kmfOgfG; nufotsf ljljw shf{ of]hgfx? u|fxs;dIf k|:t't u/]sf] 5, h;n] u|fxssf] cf}Bf]lus cfjZostf kl/k"lt{ ug{ cToGt ;xh agfPsf] 5 .

Df]uf a}+s;Fusf] ;xsfo{df u|fxsn] cfˆgf] Joj;fosf nflu z'?jftb]lv cGTo;Dd cfjZos kg]{ ;a} k|s[ltsf ljQLo cfjZostfx?nfO{ k"lt{ ug{ ;Sg]5g\ . d]uf a}+ssf] skf]{/]6 a}+lsË OsfO{n] skf]{/]6 u|fxssf] j}olQms cfjZostfnfO{ a'‰g kof{Kt ;do lbO{ pxfFx?sf] ljQLo ;d:of ;dfwfgsf nflu ;'lglZrttf k|bfg ub{5 .

a}+sn] u|fxsx?sf] ljQLo cfjZostf Joj:yfkg ug]{ sfo{nfO{ pRr dxTj lb+b} cfkm\gf u|fxsx?;Fu lgDgfg';f/ sfo{ ub{5M x/]s u|fxssf] ljz]if kl/l:ylt / p4]Zox?nfO{ uxg

tl/sfn] a'‰g] . u|fxssf] skf]{/]6 ljQLo cfjZostf tyf pxfFx?sf]

/0fgLlts tyf bL3{sflng of]hgfnfO{ Wofgdf /fVb} To;nfO{ ;xof]u k'¥ofpg] .

x/]s u|fxssf] Joj;flos p4]Zo cg'?ksf] ljQLo cfjZostf kl/k"lt{ ug{ pko'Qm ljQLo ;dfwfgsf nflu l;kmfl/; ug]{ .

cfˆgf u|fxssf] ck]Iffcg'?ksf] ljQLo ;d:of ;dfwfgsf nflu ;]jf pknAw u/fpg lgoldt ?kdf ahf/sf] d"NofÍg, ljQLo >f]t tyf h]yf Joj:yfkg ug]{ .

;fgf tyf demf}nf pBf]u Joj;fo -P;PdO{_ shf{ b]zleq xnf]b]lv xfO8«f];Dd cfa4 hgtfx?nfO{ ljQLo ;]jf pknAw u/fpg] sfo{df ;fgf tyf demf}nf -P;PdO{_ pBd;Fu ;DalGwt If]qnfO{ lj:tf/ ub}{ a}+lsË ;]jfsf] dfWodaf6 d'n'ssf] cfly{s ljsf;df of]ubfg k'¥ofpg] ;f]rsf ;fy a}+sn] ;fgf tyf demf}nf pBf]u Joj;fo -P;PdO{_ shf{ u|fxs;dIf k|:t't u/]sf] 5 h;n] ;fgf tyf demf}nf pBdx?nfO{ ljQLo ;'ljwfdfq} pknAw

gu/fO{ ljQLo sf/f]af/sf] cEof;, pBd Joj:yfkg tyf ahf/ ljsf;df klg a}+sn] k|f]T;fxg ub{5 .

d]uf a}+ssf] Joj;flos ;f]r / b[li6sf]0fnfO{ Jojxf/df kl/0ft ub}{ cfly{s jif{ @)^(÷&) nfO{ a}+sn] d]uf P;PdO{ jif{sf] ?kdf dgfPsf] 5 . a}+sn] P;PdO{ u|fxsx?nfO{ 5f]6f] ;dodf k"0f{ ;]jf pknAw u/fpg] nIosf;fy 10days2cash ;]jf of]hgf sfof{Gjogdf NofPsf] 5 h;cGtu{t a}+sdf P;PdO{ shf{sf nflu cfjZos ;Dk"0f{ sfuhftx?;lxt cfj]bg ul/Psf]] v08df !) lbg leq shf{ pknAw u/fOG5 . P;PdO{cGtu{t a}+sn] lgIf]kb]lv shf{;Ddsf u|fxsnfO{ a[xt;]jf pknAw u/fpb} cfPsf]5 . 10days2cash ;]jf of]hgf cGtu{t u|fxsn] 5l/tf] / k|efjsf/L ;]jf k|fKt ub{5g\, h;sf] dfWodaf6 d'n'ssf] cfly{s ljsf; tyf /f]huf/L ;[h{gf ug]{ sfo{df dxTjk"0f{ ;xof]u k'Ug]5 eGg] a}+ssf] ljZjf; 5 .

d]uf sf8{{k|ljlwsf] a9\bf] pkof]u ;+u;+u} a}+lsË Ifqdf u|fxsx?n] ;'ljwfo'Qm pks/0fsf] rfxgfsf sf/0f Knfl:6s sf8{ tyf P6LPd ;~hfndf klg lgM;Gb]x j[l4 eO{/x]sf]5 . o;} oyfy{nfO{ Wofgdf /fvL d]uf a}+sn] cfˆgf] ;]jf k|f/De u/]sf] lbgb ] lv g} sf8{ tyf P6LPd ;]jfnfO { :df6 { RjfO; 6]Sgf ]nf ] lhh k|f=ln=;Fu ;xsfo{ u/L cfˆgf u|fxsx?nfO{ sf8{ ;]jf pknAw u/fpFb} cfPsf] 5 .

d]uf sf8{sf] dfWodaf6 a}+ssf u|fxsn] s'g}klg ;do a}+sdf /x]sf] cfˆgf] vftfaf6 P;;L6Lsf] nueu ()) P6LPd ;~hfndfkm{t /sd lemSg ;Sg]5g\ eg] k;nx?af6 pkef]Uo j:t' jf ;fdfg vl/b ubf{ jf xf]6n÷/]:6'/]G6df /sd e'QmfgL ubf{{ ;f]xL P;;L6Lsf ;~hfndfkm{t e'QmfgL ug{ ;Sg]5g\ .

d]uf a}+ssf] P6LPd ;~hfnnfO{ …d]uf dgL dzLgÚ egL gfdfs/0f ul/Psf] 5 . u|fxssf] ;'ljwfnfO{ Wofgdf /fVb} a}+ssf k|To]s zfvfdf Ps÷Ps j6f …d]uf dgL dzLgÚ /flvPsf] 5 eg] a}+ssf] d'Vo zfvf sfof{nodf b'O{j6f …d]uf dgL dzLgÚ /flvPsf] 5 . u|fxssf] cfsf+Iff, cfjZostf tyf cf}lrTotfnfO{ ljrf/ u/L a}+ssf zfvf sfof{noafx]s cGo dxTjk"0f{ :yfgx? h:t}M 7d]n, ;'Gwf/fsf] rfOgf 6fpg ;kLª ;]G6/df klg …d]uf dgL dzLgÚ 5, hxfF ko{6s tyf pkef]Qmfx?n] cfkm'nfO{ cfjZos kg]{ /sd tTsfn} lemSg ;Sb5g\ .

sf/f]af/ k|f/De u/]b]lv clxn];Dd a}+sn] #! j6f …d]uf dgL dzLgÚ dfkm{t ;]jf pknAw u/fpb} cfPsf] 5 . …d]uf dgL dzLgÚ sf] dfWodaf6 P;;L6L nufot cGo cGt/f{li6«o

sf8{ h:t} le;f tyf df:6/sf8{sf k|of]ustf{n] ;d]t cfˆgf] vftfaf6 /sd lemSg ;Sb5g\ .

d]uf a}+sn] :yfkgfsfnb]lv g} cfˆgf u|fxsnfO{ sf8{ tyf P6LPd ;]jf pknAw u/fp+b} cfO/x]sf]df oyfzL3| le;f cyjf df:6/sf8{ ;]jf klg pknAw u/fpg] of]hgf agfPsf] 5 .

d]uf lgIf]k;dfhsf ljleGg If]qaf6 ljQLo >f]tsf] ;+sng u/L ljQLo t/ntfsf] l:ylt dha't ug{ a}+sn] g]kfnL tyf ljb]zL d'b|fdf ljleGg lgIf]k of]hgfx? u|fxs;dIf k|:t't u/]sf] 5 .

;dfhsf ;a} txsf u|fxsx?sf] cfjZostfnfO{ k"lt{ ug]{ nIosf ;fy rNtL, art, sn tyf d'2lt lgIf]k of]hgf a}+sn] NofPsf] 5 . a}+ssf lgIf]k of]hgfx? lgDgfg';f/ 5g\ M

d]uf nf]slk|o art vftf;dfhsf ;a} JolQmx?sf nflu pko'Qm tyf cfsif{s ?kdf lgIf]k ;'/lIft /fVg] p2]Zon] d]uf nf]slk|o art vftf NofOPsf] xf] . æljQLo ;dfj]zLtfÆ eGg] a}+ssf] d'Vo p2]ZonfO{ dgg ub}{ NofOPsf] o; of]hgfcGt{ut vftf vf]Ng rfxg] u|fxsn] z"Go df}Hbftdf ;d]t vftf vf]Ng ;Sb5g\ . tna Joj:yfkg tyf a}+s÷ljQLo ;+:yf nufotsf sDkgLn] ;j{;fwf/0fsf nflu z]o/ lgisfzg ubf{ ;d]t of] vftf pkof]u ug{ ;lsG5 . o; of]hgfdf a}+sdf vftf vf]Ng] u|fxsn] lgMz'Ns r]sa's, P;;L6L 8]la6 sf8{ tyf cgnfO{g a+}lsË ;]jf k|fKt ug{ ;Sb5g\ .

d]uf z'ef/De art vftfof] Pp6f lk|ldod art of]hgf xf] h;df u|fxsn] lgIf]k /sddf cfsif{s k|ltkmn kfpg'sf ;fy} ljleGg 5'6 / cfsif{s ;'ljwf tyf ;]jfx? k|fKt ug{;Sb5g\ . o; of]hgf cGtu{t u|fxsn] Go"gtd ?=%) xhf/ lgIf]k /sd vftfdf /fVg'kb{5 . u|fxsn] r]sa's, 8]la6 sf8{, cgnfOg a+}lsË lgMz'Ns k|fKt ug{;Sb5g\ . d]uf lghL a}+lsË tyf xf]d a}+lsË ;]jf ;d]t o; of]hgfdf pknAw 5 .

d]uf k|j4{s art vftfk|a4{sx?sf] 7"nf] tyf dha't ;~hfnnfO{ dx;'; u/L a}+sn] d]uf k|a4{s art vftf of]hgf NofPsf] xf] . o;cGtu{t a}+ssf k|a4{sx?n] z"Go df}Hbftdf ;d]t vftf vf]Ng ;Sg'x'G5 eg] Go"gtd ?= %) xhf/ lgIf]k /sddfcfsif{s Aofh ;lxt r]sa's, 8]la6 sf8{ tyf cgnfO{g a}+lsË ;]jf lgMz'Ns k|fKt ug{;Sg'x'G5 .

d]uf wdfsf of]hgfd]uf wdfsf of]hgf vf;u/L ^% lbg] d'2tL of]hgf xf] h;df Go"gtd ?= @ nfv lgIf]k cfjZos kb{5 . yf]/} ;dofjlwdf pRr k|ltkmn rfxg] JolQmut tyf ;+:yfut u|fxsn] o; of]hgfaf6 nfe lng ;Sb5g .

d]uf :jfledfg art vftf%) jif{ jf ;f] eGbf dflysf u|fxsnfO{ nlIft u/L of] of]hgf NofOPsf] xf] h;n] u|fxsnfO{ /fd|f] k|ltkmn cfh{g ug{ ;xof]u k'¥ofpg'sf ;fy} dfl;s ?kdf JolQmut vr{sf] cfjZostf k"lt{ ug{ ;d]t ;xof]u k'Ug] a}+ssf] ljZjf; 5 . %) jif{ tyf ;f]eGbf dflysf gful/sx? o; art of]hgfdf ;xefuL x'g ;S5g\ h;df Go"ggd ?= ! xhf/df vftf vf]nL cfsif{s Aofh dfl;s ?kdf k|fKt ug{ ;lsG5 . cGo cfsif{s ljz]iftfx?df ?= @% nfv jf ;f] eGbf a9L /sd vftfdf /fVg] u|fxsn] r]sa's, 8]la6 sf8{, cgnfOg a+}lsË lgMz'Ns k|fKt ug{ ;Sb5g . o;sf ;fy} ns/df %) k|ltzt 5'6, l8df08 8«fˆ6, lgMz'Ns Aofn]G; :6]6d]G6, /sd e'QmfgL /f]Ssf, u'8 km/ k]d]G6 tyf xf]d a}+lsË ;'ljwf ;d]t k|fKt ug{ ;lsG5 .

d]uf gf/L :k]zn art vftfa}+sn] !^ jif{ jf ;f] eGbf dflysf dlxnfx?sf nflu d]uf gf/L :k]zn art vftf of]hgf NofPsf] 5 . o; of]hgfcGtu{t dlxnfx?n] Go"gtd ?= ! xhf/df vftf vf]Ng ;Sb5g\ h;df cfsif{s Aofh k|fKt ug{ ;lsG5 . u|fxsn] ljz]if k|sf/sf] P;;L6L 8]la6 sf8{, lgMz'Ns r]sa's, lgMz'Ns cgnfOg a+}lsË, ns/ ;'ljwfdf @% k|ltzt 5'6, l8df08 8«fˆ6 h:tf ;'ljwf k|fKt ug{ ;lsG5 . o;sf cltl/Qm ;f] sf8{sf] k|of]uaf6 ljleGg pkef]Uo ;fdfu|L÷;]jf vl/bdf 5'6 k|fKt ug{ ;d]t ;lsG5 .

d]uf of]ª:6f/ art vftf of] ljz]ifu/L afnaflnsfsf nflu NofOPsf] art of]hgf xf] h;df !^ jif{ ;Ddsf afnaflnsfx? ;xefuL x'g ;S5g\ . o; of]hgfcGtu{t art vftf ;~rfng ug{ rfxg] u|fxsn] Go"gtd ?= ! xhf/df cfsif{s Aofhb/df vftf vf]Ng ;Sb5g . o;sf cltl/Qm u|fxsnfO{ lgMz'Ns r]sa's, lgMz'Ns 8]la6 sf8{, lgMz'Ns 8fO/]S6 a+}lsË ;]jf, lgMz'Ns PlalaP; ;]jf, u'8km/ k]d]G6 tyf Aofn]G; ;l6{lkms]6 ;]jf pknAw u/fOG5 . ;fy}, ;+/Ifsn] cfˆgf] vftfaf6 l;w} afnaflnsfsf] vftfdf /sd :yfgfGt/0f ug{ lgb]{zg klg lbg ;Sb5g .

d]uf sd{rf/L art vftfof] ljz]ifu/L g]kfnsf lghfdtL ;]jf / lghL If]qdf sfo{/t sd{rf/Lx?sf nflu NofOPsf] art of]hgf xf] h;df Go"gtd ?= ! ;odf vftf vf]Ng ;lsG5 . o;}u/L, u|fxsn]


lgMz'Ns r]sa's, lgMz'Ns 8]la6 sf8{, lgMz'Ns 8fO/]S6 a+}lsË ;]jf, lgMz'Ns P;PdP; a}lsË, l8df08 8«fˆ6 hf/L ubf{ nfUg] z'Nsdf %) k|ltzt 5'6, lgMz'Ns PaLaLP; ;]jf, u'8km/ k]d]G6 tyf Aofn]G; ;l6{lkms]6 ;]jf k|fKt ug{ ;Sb5g . ;fy}, vftfjfnsf] lgwg x'g uPdf d[To'ladf ;'ljwf -vftfdf sfod lgIf]ksf] rf/ u'0ff cyjf ?= % nfv dWo] h'g sd x'G5 ;f] /sd ladf sDkgLaf6 k|fKt x'g]_, ljb]zL d'b|fsf] ;6xLdf ;x'lnotsf;fy} pkef]Qmf shf{x?df cfsif{s Aofhb/ pknAw ;d]t 5 .

d]uf o'y dfO{ a}+s P6 SofDk; csfpG6 of] ljz]ifu/L sn]hdf cWoogug]{ ljBfyL{sf nflu nlIft u/L NofOPsf] art of]hgf xf] h;df Go"gtd ?= @ ;odf vftf vf]Ng ;lsG5 . o;sf cltl/Qm u|fxsn] lgMz'Ns r]sa's, lgMz'Ns 8]la6 sf8{, lgMz'Ns cgnfOg a+}lsË, lgMz'Ns :6]6d]G6, l8df08 8«fˆ6 hf/L ubf{ tyf :jLˆ6sf] dfWodaf6 /sd :yfgfGt/0f ubf{ nfUg] z'Nsdf %) k|ltzt 5'6, u'8km/ k]d]G6 tyf Aofn]G; ;l6{lkms]6 ;]jf k|bfg ul/G5 . ;fy} o; k|sf/sf] vftfsf u|fxsn] pRr lzIff cWoogsf nflu ?= %) nfv ;Dd cfsif{s Aofhb/df z}lIfs shf{ ;d]t k|fKt ug{ ;Sg] Joj:yf 5 .

d]uf sn l8kf]lh6 vftfd]uf a}+sn] cfkm\gf u|fxsx?nfO{ :6«Sr8{ sn vftfsf] ;'ljwf pknAw u/fpFb} cfPsf] 5 . o; vftfdf lgIf]k /sdsf] cfwf/df cfsif{s Aofhb/ k|bfg ul/G5 .

d]uf d'2lt vftfd]uf a}+sn] tLg lsl;dsf d'2lt vftfx? u|fxsx? ;dIf k|:t't u/]sf] 5 h;df tLg dlxgf, ^ dlxgf tyf Ps jif{sf nflu d'2lt vftf vf]Ng ;lsG5 .

d]uf /]ld6ljut s]xL jif{b]lv d'n'ssf] cfly{s If]qdf s'n u|fx{:y pTkfbgsf] nueu @% k|ltzt of]ubfg ljk|]if0f -Remittance_ sf] /x]sf] tYo ;a}af6 :jLsf/ ePs} ljifo xf] . ctM ljk|]if0fsf] dfWodaf6 b]znfO{ k|fKt x'g] Joj;flos nfenfO yk of]ubfg k'¥ofpg ;d]t d]uf a}+ssf] Ps k|d'v kxn /xL cfPsf] 5 . o;} cg'?k ljk|if]0f Joj;fonfO{ cl3 a9fpg tyf ljk|]if0f Joj;fosf cj;/x?sf] vf]hL ub}{ a}+sn] cfˆgf u|fxssf nflu a[xt ljk|]if0f ;]jf pknAw u/fp+b} cfPsf] 5 h'g lgDgfg';f/ 5g\Mn :jLˆ6 6«fG;km/ -ljZjsf h'g;'s} d'n'saf6 g]kfn leqg]

ljk|]if0f ;]jf_ n l8df08 8«fˆ6 -g]kfn leq jf aflx/ hfg] ljk|]if0f

vf;u/L ef/t_

n d]uf /]ld6 -g]kfnleqsf] s'g} Ps:yfgaf6 csf]{:yfgdf /sd :yfgfGt/0f tyf vf8L nufotsf d'n'saf6 g]kfn lelqg] ljk|]if0fsf] nflu a}+ssf] cfkm\g} ljk|]if0f k|0ffnL_ .

d]uf a}+ssf] cTofw'lgs k|ljlwo'Qm ax'cfoflds d]uf /]ld6n] b]zleq, vf8L tyf cGo /fi6«x?af6 ;xh / t'?Gt} ljk|]if0fsf] sf/f]af/ ;Dej agfPsf] 5 . o;sf cltl/Qm d]uf /]ld6 ;+:yfut e'QmfgLsf nflu klg TolQs} pko'Qm 5 h;df JolQm tyf ;+:yfsf u|fxsn] cfˆgf] cfjZostfg';f/ l56f] tyf emGem6/lxt e'QmfgL lng ;Sb5g . d]uf /]ld6 sf/f]af/nfO{ ;xh agfO{ l56f] / emGem6/lxt ;]jf pknAw u/fpg d]uf a}+sn] d'n'ssf ^) lhNnfsf %)) Joj;flos s]Gb|÷k|ltlglwsf] ;~hfn lgdf{0f u/]sf] 5 . o; ;~hfnnfO{ lg/Gt/ ?kdf d'n'ssf s'gfsfKrf;Dd lj:tf/ ub}{ n}hfg] a}+ssf] nIo 5 .

d]uf a}+sn] df]afOn kmf]gdfkm{t gljgtd k':tfsf] k|ljlwo'Qm df]afOn ljk|]if0f ;]jf -Mobile remittance solution_ k|f/De ug]{ of]hgf agfPsf] 5 h;dfkm{t u|fxsn] cfˆgf] cfjZostfg';f/ d'n'sleq} Ps:yfgaf6 csf]{:yfgdf /sd :yfgfGt/0f ug{ tyf ljb]zL d'n'sx?af6 g]kfn lelqg] ljk|]if0fsf nflu df]afOn /]ld6\ofG; ;]jf k|fKt ug{ ;Sg]5g .

d]uf dfOqmf] a}+ls∙ sfo{qmd ljQLo ;dfj]zLtfaf6 cfly{s ;zlQms/0fd]uf dfOqmf] a}+lsË d]uf a}+s g]kfn lnld6]8sf] Ps gd"gf sfo{qmd xf] . b]zsf] u|fdL0f e]udf ljQLo kx'Fr lj:tf/ ug]{ p2]Zon] cfly{s?kdf ljkGg tyf lk5l8Psf] u|fxssf] 3/b}nf]d} k|ltkmnd"ns Pj+ u'0f:t/Lo a}+lsË ;]jf k|bfg ug'{ o;sf] d'Vo nIo xf] . u|fdL0f If]qsf n3' Joj;foLx?sf] Joj;flos cfjZostf cg';f/ df]afOn tyf pRr k|ljlwo'Qm cTofw'lgs pks/0fdfkm{t a}+sn] n3'shf{, n3'art h:tf ;]jfx? k|bfg ub}{cfPsf] 5 . u|fxsd}qL k|0ffnL, pRr bIf hgzlQm, u|fxssf] Joj;flos cfjZostf cg'?ksf ljQLo ;]jf d]uf dfOqmf] a}+lsË sfo{qmdsf d'ndGq x'g\ . d]uf dfOqmf]n] n3' Joj;fodf ;+nUg ;fgf Joj;foLx?nfO{ pRr:t/Lo n3'ljQ ;]jf k|bfg ub}{ a}+ssf demf}nf tyf 7"nf Joj;foLx?;Fu ;dGjo u/fO{ ahf/ d"No >[ª\vnf k4lt (Value Chain) df cfa4 u/fpF5 . ;fy}, Joj;flos ljsf;sf] ;DefJotfnfO{ clej[l4 ug{ d]uf skf]{/]6, d]uf P;PdO{ / d]uf dfOqmf]af6 ;~rflnt sfo{qmdx?n] ;dfhsf pRr, dWod / Go"g ju{sf ;Dk"0f{ u|fxsx?nfO{ Ps} ;"qdf cfa4 u/L ljQLo ;]jfsf ;fy;fy} k"0f{ Jofj;flos ;dfwfg k|bfg ug]{ d]uf dfOqmf] a+}lsË sfo{qmdsf]] gLlt /x]sf]5 .

34 d]/f] a}+s – d]uf a}+s

cfwf/e"t ljz]iftfx? n u|fdL0f If]qsf Go"g cfo ePsf tyf ljkGg ju{nfO{

nlIft sfo{qmd . n ;dfj]zL sfo{qmd M s'g} hft hflt, j0f{, ju{, lnË, wd{,

k]zf, If]q tyf /fhg}lts cf:yf cflbsf cfwf/df e]befj/lxt sfo{qmd .

n d"No >[ª\vnf k4ltdf cfwfl/t sfo{qmd M 7"nf, demf}nf tyf ;fgf Joj;foLx?nfO{ Ps} lsl;dsf] ljQLo ;]jf .

n kl/dflh{t n3'ljQ ;]jf k4ltaf6 ;d"x tyf JolQmut hdfgLsf cfwf/df shf{ pknJw u/fOg] .

n u|fxssf] 3/b}nf]d} ;Dk"0f{ a+}lsË ;]jf tyf ;'ljwf k|bfg ul/g] .

n :yfgLo txdf shf{ ljZn]if0f k|lqmof k"/f ul/g] .n ;/n Joj:yfksLo k|lqmofaf6 sd sfuhL emGem6 . n Dffl;s ;fd"lxs a}7saf6 u|fxsx?nfO{ cGo ;xof]u

sfo{qmd . n ;fd"lxs dfu÷cfjZostfsf cfwf/df Joj;flos tyf

;fdflhs ljsf;;Fu ;DalGwt tflnd . n n3'ljQ dfq geO{ ;Dk"0f{ ;]jfx? ;d]l6Psf] dfOqmf]

a}+lsË ;]jf .

;]jf tyf ;'ljwfx? n3' shf{n rfn" k'FhL shf{– cNksflng shf{– dfOqmf] l8df08 nf]g– dfOqmf] clwljsif{ shf{

n cfjlws shf{n JolQmut shf{ n cGo shf{

cGo ;]jfx?n art vftfn P6LPdn /]ld6\ofG;÷PlalaP;n df]afOn tyf zfvf/lxt a}+lsË ;]jfn cGo

n3' shf{sf nflu cfjZos of]UotfM;Dk"0f{ g]kfnL gful/s tyf sfg"gL dfGotfk|fKt ;+:yf

d]uf zfvf/lxt a}+ls∙ ;]jf (Mega Branchless Banking)b]zsf clwsf+z jfl0fHo a}+sx?af6 ;~rflnt sfo{qmdx? zx/L If]qdf ;Lldt 5g\ . 7"nf tyf demf}nf Joj;foLdfq k|fyldstfdf k/]sf] h:tf] b]lvG5 h;sf sf/0f u|fdL0f txsf clwsf+z hg;d'bfo, vf;ul/ s[lif If]qdf ;+nUg ljkGgju{sf JolQm÷kl/jf/ cfw'lgs a}+lsË ;]jfaf6 jl~rt x'g' k/]sf] oyfy{nfO{ b[li6ut ub}{ d]uf a}+sn] cy{tGqsf] d"n cfwf/sf] ?kdf /x]sf] s[lif If]qdf ;+nUg ljkGg ju{nfO{ nlIft u/L pxfFx?s} 3/b}nf]df ;]jf k|bfg ug{ zfvf/lxt a}+lsË ;]jf (Branchless Banking) ;~rfngdf NofPsf] xf] .

zfvf/lxt ;]jf lj:tf/ ubf{ dfgjLo tyf k|fljlws hf]lvdx? pRr x'g] ePsf]n] o; a}+sn] ;'/lIft k|fljlws pks/0f dfkm{t k|To]s sf/f]af/nfO{ u|fxs :jodsf] cf}+7f5fkaf6 dfq cg'df]bg (Electronic Verification through Thumb Impression) ug]{ tyf u|fxsx?nfO{ ljB'tLo sf8{ pknJw u/fpg] h:tf ;fjwfgLx? ckgfO{ sfo{qmd ;~rfng ul//x]sf] 5 . :yfgLo JolQmx?nfO{ Joj;flos k|ltlglwsf ?kdf ljsf; ub}{ ;~rfng ul/g] of] ;]jfnfO{ d]uf dfOqmf] a}+lsË sfo{qmd;Fu cfa4 ul/Psf] 5 . -s_ of] ;]jf sf7df08f} pkTosfaflx/sf o; a}+ssf zfvf

sfof{no /x]sf] :yfgaf6 lglZrt b"/L leq /xg] :yfgx?af6 ;~rfng ul/G5 .

-v_ ;]jf k|bfg ug{ :yfgLo JolQm tyf ;+:yfx?nfO{ Joj;flos k|ltlglw agfO{ Point Of Sale (POS) sf] k|of]u u/L ;~rfng ul/Psf] 5 .

-u_ zfvf/lxt ;]jf lng rfxg] u|fxsx?nfO{ a}+sn] ljB'tLo sf8{ pknJw u/fpF5 .

-3_ k|To]s sf/f]af/ ug'{ k"j{ tyf sf/f]af/ ;DkGg u/]kZrft\ pQm POS n] cfjfhaf6 ;d]t sf/f]af/sf] cj:yfsf] ;"rgf lbG5 tyf b'O{k|lt Advice Print u5{ .

;]jf tyf ;'ljwfx?Mn u|fxsx?nfO{ zfvf/lxt ;]jfdf cfa4 ug]{ tyf vftf vf]Ng]n art tyf e'QmfgL ;'ljwfn Pp6f vftfaf6 csf]{ vftfdf /sd :yfgfGt/0f ug]{n df]afOn kmf]g l/rfh{ tyf O{–6kckn /]ld6\ofG; ;'ljwfn vftfsf] df}Hbft x]g]{ tyf :6]6d]G6 5fKg


d]uf y|L–:6f/ km'6an SnanfO{ cfly{s ;xof]u M g]kfnsf] ;du| km'6ansf] :t/j[l4 ub}{ d'n'ssf] v]ns'b If]qdf of]ubfg k'¥ofpg] tyf v]ns'bsf] dfWodaf6 d'nsnfO{ Pstfa4 u/fpg] d'Vo Wo]osf ;fy o; a}+sn] y|L–:6f/ SnanfO{ lj=;+= @)^* ;fnsf] a}zfvb]lv r}q d;fGt;Dd cfˆgf] cflwsfl/s k'm6an Snasf] ?kdf rog u¥of] .

DREAMS nfO{ u/]sf] cfly{s ;xof]uM hgfj/x?sf] p4f/sfo{df k|f]T;fxg ug{] p4]Zon] a}+sn] DREAMS (Devoted and Radical for Environment & Animal Movement Society) nfO{ "Art for a Cause" sfo{qmdsf] dfWodaf6 dftftLy{df hgfj/x?sf] cf>o:yn lgdf{0f ug{ cfly{s ;xof]u pknAw u/fPsf] lyof] . DREAMS e':ofxf tyf 3/df kflnPsf hgfj/x? arfpg] sfo{df sfd ug]{ Pp6f ;+:yf xf] . o; k|sf/sf] ;fdflhs pQ/bfloTjn] dflg;x? hgfj/x?sf] lxtdf sfo{ ug]{ kIfdf ;xof]uLl;4 x'g]5g\ eGg] ljZjf; a}+sn] lnPsf] 5 .

Hand on Hand ;fdflhs ;+:yfnfO{ ;xof]uM ko{6gnfO{ k|j4{g ug]{ p4]Zon] a}+sn] Hand on Hand gfds ;fdflhs ;+:yfnfO{ Tourism Promoted Culture Program 2012 sfo{qmdsf] dfWodaf6 cfly{s ;xof]u pknAw u/fPsf] lyof] . Hand on Hand gfds ;fdflhs ;+:yf g]kfnsf ljleGg lhNnfx?sf /d0fLo :ynx?df ko{6g k|a4{g ug]{ sfo{df ;+nUg /xL cfPsf] 5 .

;xof]usf nflu cf6{ slDkl6;g -km:6:6]k g]kfn;Fusf] ;xsfo{df kk{n s]s 8] @)!@_ M lzIffaf6 al~rt afnaflnsfx?sf] ljsf;df Wofgs]lGb|t u/L kk{n s]s 8];Fusf] ;xsfo{df cf6{ slDkl6zg sfo{qmd cfof]hgf ul/Psf] lyof] . g]kfndf klxnf]k6s cfof]hgf ul/Psf] kk{n s]s 8]n] ;DkGg afnaflnsfx?nfO{ cGo cj;/x?af6 al~rt afnaflnsfx?k|lt ;hu /xL pgLx?nfO{ ;xof]u k'¥ofpg] sfo{df ljZj ;d'bfodf pgLx?sf] e"ldsfaf/] ;f]Rg k|]l/t u/]sf]5 . kk{n s]s 8]sf] lbg p7]sf] ;Dk"0f{ /sd u|fdL0f If]qdf lzIffsf] cj;/af6 jl~rt afnaflnsfx?nfO{ ;xof]u k'¥ofpg, afns]Gb|x?sf] :yfkgf ug{, k':tsfno tyf ul/a afnaflnsfx?sf nflu 5fqj[lQ nufotsf sfo{df ;f] /sd pkof]u ul/Psf] 5 .

kmf]]6f] hg{lni6 Sna;Fusf] ;xsfo{df kmf]6f]u|fkmL k|ltof]lutf / k|bz{gLM d'n'sdf cd]Rof]/ kmf]6f]u|fkmLnfO{ k|f]T;fxg ug{] p2]Zon] a}+sn] g]kfn kmf]6f] hg{lni6 Sna;Fusf] ;xsfo{df kmf]6f]u|fkmL k|ltof]lutf / kmf]6f] k|bz{gLnfO{ cfly{s ;xof]u

pknAw u/fPsf] lyof] . ;f] k|ltof]lutfsf ljh]tfnfO{ gub k'/:sf/sf] Joj:yf ul/g'sf ;fy} kmf]6f]u|fkmLsf ljljw ljwf h:t}M jif{sf] pTs[i6 kmf]6f], g]kfndf ko{6g cfsif{0f ug{] k|of]hgsf] pTs[i6 kmf]6f], pTs[i6 jftfj/0fLo kmf]6f], ;d;fdlos ljifodf lvlrPsf] pTs[i6 kmf]6f] / pTs[i6 kmf]6f] syfx?df ;d]t k'/:sf/sf] Joj:yf ul/Psf] lyof] . /fli6«o:t/df cfof]hgf ul/Psf] pQm k|ltof]lutfdf ;a} g]kfnL cd]Rof]/ tyf k]z]j/ kmf]6f]u|fkm/x?nfO{ v'nf ul/Psf] lyof] .

;dfhsf k|To]s ju{nfO{ k|f]T;flxt gu/L d''n'ssf] ljsf;sf] j[l4b/df ult cfpg ;Sb}g eGg] ljZjf; a}+sn] lnPsf] x'gfn] a}+sn] pQm k|ltof]lutfsf ;a} ljwfsf ljh]tfx?nfO{ k'/:s[t u/L ;du| kmf]6f] kqsfl/tf If]qnfO{ k|a4{g ug{ ;xof]u k'¥ofPsf] lyof] .

a}+s / nfoG; Sna OG6/g]zgn g]kfn aLrsf] /0fgLlts ;fem]bf/LM a}+s / nfoG; Sna OG6/g]zgn dlN6kn l8:6«S6 #@% n] /0fgLlts ;fem]bf/L ub}{ Pscfk;df ;xof]u ug]{ ;Demf}tf u/]sf 5g\, h;n] d]uf a}+snfO{ d'n'se/Lsf nfoG; l8l:6«S6x?sf] #@% P / #@% aL cGtu{tsf Snax?sf ;b:ox? ;d]tsf nflu nfoG; Snasf] dlN6kn l8:6«S6 #@% sf] cflwsfl/s ;fem]bf/ agfPsf] 5 . ljQLo ;]jfsf cltl/Qm nfoG; Snasf ;b:ox?sf nflu a}+sn] pknAw u/fpg] ;]jfx?sf]] cfsif{s Kofs]h klg agfPsf] 5 h;n] pxfFx?sf] ljleGg ljQLo cfjZostfx?nfO{ ;Daf]wg ub{5 .

nfoG; Snan] afnaflnsfx?sf nflu pHofnf] / :Jf:y eljionfO{ ;'lglZrt ug]{ sfo{df ljleGg tl/sfn] ljZJfe/L g} sfd ul//x]sf] 5 . a}+s / nfoG; Snan] ;fdflhs lxtdf rflng] sbddf Ps csf{sf] kxnnfO{ ;xof]u k'¥ofpg] k|lta4tf hfx]/ u/]sf 5g\ .

a}+s / nfoG; Snasf] of] /0fgLlts ;fem]bf/L b'a}sf] lxtdf x'g] ljZjf; ub}{ cfpFbf lbgx?df pbfx/0fLo ?kdf ;kmntfk"j{s cufl8 a9\g]5 eGg] ljZjf; b'a}n] lnPsf 5f}+ .

j[4 cj:yf Joj:yfkg tyf ;fdflhs sNof0f u'7LnfO{ ;xo.f]u M czQm tyf c;xfo gful/s Pj+ afnaflnsfx?sf] :ofx/df ;dlk{t ;dfh;]jL >LdtL lbnzf]ef >]i7 cfj4 k/f]ksf/L ;+:yf j[4 cj:yf Joj:yfkg tyf ;fdflhs sNof0f u'7LnfO{ a}+sn] cfly{s ;xof]u u/]sf] 5 .

;+:yfut ;fdflhs pQ/bfloTj

zfvfx?

d]uf dxnsf=d=g=kf, sflGtky, sf7df08f}kmf]g g+= M )!–$@%&&!!ôfS; M )!–$@^^%((kf]=a= g+= M @^%%(SWIFT : MBNLNPKA

:ofk|m'j]zL zfvf:ofk|m'j]zL–(, /;'jfkmf]g g+= M 010-541001/02

skg zfvfsf=d=g=kf, ;/:jtLgu/, sf7df08f}kmf]g g+= M 01-4812603/04/05ôfS; M 01-4812602

;lGwvs{ zfvf;lGwvs{, c3f{vfFFrLkmf]g g+= M 077-420797/98ôfS; M 077-420799

gofF afg]Zj/ zfvfsf=d=g=kf, gofF afg]Zj/, sf7df08f}kmf]g g+= M 01-4107247/48/49ôfS; M 01-4107250

kf]]v/f zfvfkf]]v/f p=d=g=kf, Go"/f]8, sf:sLkmf]g g+= M 061-531112/13/14ôfS; M 061-531115

hfjnfv]n zfvfnlntk'/ p=d=g=kf, hfjnfv]n, nlntk'/ kmf]g g+= M 01-5554506/08/09ôfS; M 01-5554507

lj/f6gu/ zfvflj/f6gu/ pkdxfgu/kflnsf, /+u]nL/f]8, df]/ªkmf]g g+= M 021-521354/56ôfS; M 021-521384

jL/u~h zfvfjL/u~h p=d=g=kf= cfbZf{gu/, k;f{kmf]g g+= M 051-528776/527636ôfS; M 051-526806

skf]{/]6 sfof{no÷d'Vo zfvf

gofF ;8s zfvfsf=d=g=kf, lvrfkf]]v/L, gofF ;8s, sf7df08f}kmf]g g+= M 01-4251293/88/99 01-4251845 ôfS; M 01-4251515

a'6jn zfvfa'6jn g=kf=, /fd dlGb/ nfOg, ?kGb]xLkmf]g g+= M 071-551601/02/03 ôfS; M 071-551604

xl/jg zfvfxl/jg uf=lj=;=, j8f g+=–(, ;nf{xL kmf]g g+= M 046-530638/39 ôfS; M 046-530640

rf}tf/f zfvfrf}tf/f, l;Gw'kfNrf]s kmf]g g+= M 011-620413 ôfS; M 011-620412

b}n]v zfvfgf/fo0f gu/kflnsf, b]jsf]6f rf]s, b}n]v kmf]g g+= M 089-420566/67ôfS; M 089-420568

wgu9L zfvfwgu9L gu/kfnLsf, rf}/fxf, s}nfnLkmf]g g+= M 091-525497ôfS; M 091-525496

ljtf{df]8 zfvfd'lQmrf]s, ljtf{df]8, emfkfkmf]g g+= M 023-543871ôfS; M 023-543872

wflbª zfvfwflbªj]zL, wflbªkmf]g g+= M 010-521102/03/04ôfS; M 010-521105

6]s' zfvfsf=d=g=kf, 6]s', sf7df08f}kmf]g g+= M 01-4224219/4233261ôfS; M 01-4238125

dxf/fhu~h zfvfsf=d=g=kf, rqmky, sf7df08f}kmf]g g+= M 01-4720411, 4721427/28/29ôfS; M 01-4721430

3f]/fxL zfvf3f]/fxL gu/kflnsf, Go"/f]8, bfªkmf]g g+= M 082-563425

w/fg zfvfw/fg gu/kflnsf, efg'rf]s, ;'g;/Lkmf]g g+= M 025-531932/ 521045ôfS; M 025-520685

gf/fo0fu9 zfvfe/tk'/ g=kf=, k'Nrf]s, lrtjgkmf]g g+= M 056-533940/41/42ôfS; M 056-533200

d}ltb]jL zfvfsf=d=g=kf, d}ltb]jL, sf7df08f}}kmf]g g+= M 01-4419784/85, 4419987/98ôfS; M 01-4419784

af}4 zfvfsf=d=g=kf, lkknjf]6, af}4, sf7df08f}}kmf]g g+= M 01-4916322ôfS; M 01-4916321

hgsk'/ zfvfhgsk'/ gu/kflnsf, lzjrf]s, wg'iffkmf]g g+= M 041-528761/62, 528767ôfS; M 041-528768

g]kfnu~h zfvfg]kfnu~h gu/kflnsf, wDaf]hL, jfFs]kmf]g g+= M 081-527542/543, 527018ôfS; M 081-527389

l7dL zfvfdWok'/ l7dL gu/kflnsf, k'/fgf] l7dL, eQmk'/kmf]g g+= M 01-6639352/54/56ôfS; M 01-6639357

e}/xjf zfvfl;4fy{gu/ gu/kflnsf, e}/xjf, ?kGb]xL kmf]g g+= M 071-524048/49/50ôfS; M 071-524052

38 d]/f] a}+s – d]uf a}+s

qm=;+= ;DklQ cg';"rL o; jif{ ?= ut jif{ ?=

! gub df}Hbft $=* 24,97,44,857 15,99,14,476 @ g]kfn /fi6« a}+sdf /x]sf] df}Hbft $=( 1,19,65,00,851 27,14,81,726 # a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft $=!) 15,41,60,597 5,85,50,423 $ dfu tyf cNk;"rgfdf k|fKt x'g] /sd $=!! 13,23,00,000 59,90,00,000 % nufgL $=!@ 1,29,70,41,448 99,01,68,865 ^ shf{, ;fk6 tyf lan vl/b $=!# 7,93,35,35,703 4,76,82,97,131 & :yL/ ;DklQ $=!$ 28,97,53,357 25,55,52,779 * u}/ a+}lsË ;DklQ $=!% ( cGo ;DklQ $=!^ 14,67,43,109 13,87,63,334 s'n ;DklQ 11,39,97,79,922 7,24,17,28,734

qm=;+= k'“hL tyf bfloTj cg';"rL o; jif{ ?= ut jif{ ?=

! z]o/ k'FhL $=! 1,63,10,00,000 1,63,10,00,000 @ hu]8f tyf sf]ifx? $=@ 15,37,66,699 8,07,98,053 # C0fkq tyf a08 $=# $ ltg{ afFsL shf{ ;fk6 $=$ 30,34,21,076 11,47,51,583 % lgIf]k bfloTj $=% 9,19,25,57,197 5,37,34,92,930 ^ e'QmfgL lbg'kg{] lanx? $=^ 1,88,22,370 21,71,320 & k|:tfljt gub nfef+z * cfos/ bfloTj 1,80,308 ( cGo bfloTj $=& 10,02,12,580 3,93,34,540 s'n k'“hL tyf bfloTj 11,39,97,79,922 7,24,17,28,734

jf;nft#! cfiff9 @)^( -!% h'nfO{ @)!@_

;Defljt bfloTj cg';"rL $=!&;~rfnsx?sf] 3f]if0ff cg';"rL $=@(k'FhLsf]if tflnsf cg';"rL $=#) -s!_shf{ hf]lvd ljj/0f tflnsf cg';"rL $=#) -v_Credit Risk Mitigant ljj/0f tflnsf cg';"rL $=#) -u_;~rfng hf]lvd ljj/0f tflnsf cg';"rL $=#) -3_ahf/ hf]lvd ljj/0f tflnsf cg';"rL $=#) -ª_k|d'v ;"rsfÍx? cg';"rL $=#!k|d'v n]vf gLltx? cg';"rL $=#@n]vf ;DaGwL l6Kk0fLx? cg';"rL $=##

$=! b]lv $=!& ;Ddsf cg';"rLx? o; jf;nftsf cleGg c+u x'g .xfd|f] ;+nUg k|ltj]bgsf] cfwf/df

l;=P= ;'bz{g /fh kf08] ;fem]bf/

P;=cf/= kf08] P08 sDkgLrf6{8{ PsfpG6]06\;

ldltM !* cflZjg @)^(:yfgM d]uf dxn, sflGtky


8f=b'dg yfkf;~rfns

k|f=8f= uf]ljGb g]kfn;~rfns

ef]h axfb'/ zfx;~rfns

O{Zj/ axfb'/ u'?Ë;~rfns

;'lzn /fd dfy]df;~rfns



uf]kfn vgfn;~rfns

dbg s'df/ cfrfo{;~rfns

zDe' laqmd yfkf;~rfns


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

! Aofh cfDbfgL $=!* 1,14,03,24,581 54,42,15,367 @ Aofh vr{ $=!( 74,97,40,391 30,07,60,236 v"b Aofh cfDbfgL 39,05,84,190 24,34,55,131 # sldzg tyf l8:sfp06 $=@) 1,78,07,969 66,09,141 $ cGo ;~rfng cfDbfgL $=@! 3,43,71,839 2,73,79,991 % ;6xL 36a9 cfDbfgL $=@@ 2,76,48,779 74,57,262 s'n ;~rfng cfDbfgL 47,04,12,777 @8,49,01,525 ^ sd{rf/L vr{ $=@# 11,30,63,832 8,13,85,981 & cGo ;~rfng vr{ $=@$ 17,86,69,069 11,71,28,441 * ;6xL 36a9 gf]S;fg $=@@ ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf 17,86,79,876 8,63,87,104 ( ;Defljt gf]S;fgL Joj:yfx? $=@% 6,61,21,659 4,81,64,617 ;~rfng d'gfkmf 11,25,58,217 3,82,22,486 !) u}/ ;~rfng cfDbfgL÷-vr{_ $=@^ 7,03,793 !! ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ $=@& lgoldt sf/f]af/af6 ePsf] d'gfkmf 11,32,62,010 3,82,22,486 !@ c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷-vr{_ $=@* ;Dk"0f{ sf/f]af/ ;dfj]z kl5sf] v"b d'gfkmf 11,32,62,010 3,82,22,486 !# sd{rf/L af]g; Joj:yf 1,02,96,546 34,74,771 !$ cfos/ Joj:yf 3,10,97,321 1,04,24,314 o; jif{sf] s/ Joj:yf 3,39,61,813 91,71,676 ljut jif{;Ddsf] s/ Joj:yf 2,69,687 o; jif{sf] :yug s/ -cfDbfgL_÷vr{ -31,34,179_ 12,52,638 v"b gfkmf÷gf]S;fg 7,18,68,143 2,43,23,400

gfkmf gf]S;fg lx;fa ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_

$=!* b]lv $=@* ;Ddsf cg';"rLx? gfkmf gf]S;fg lx;fasf cleGg c+u x'g .

xfd|f] ;+nUg k|ltj]bgsf] cfwf/dfl;=P= ;'bz{g /fh kf08]

;fem]bf/P;=cf/= kf08] P08 sDkgL

rf6{8{ PsfpG6]06\;



8f=b'dg yfkf;~rfns







uf]kfn vgfn;~rfns



40 d]/f] a}+s – d]uf a}+s

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

cfDbfgL

! ut jif{;Ddsf] ;l~rt d'gfkmf 1,94,58,720 @ o; jif{sf] d'gfkmf 7,18,68,143 2,43,23,400 # ;6xL 36a9 sf]if hDdf 9,13,26,863 2,43,23,400 vr{

! ut jif{;Ddsf] ;l~rt gf]S;fg @ o; jif{sf] gf]S;fg # ;fwf/0f hu]8f sf]if 1,43,73,629 48,64,680 $ e}k/L cfpg] hu]8f % ;+:yf ljsf; sf]if ^ nfef++z ;dLs/0f sf]if & sd{rf/L ;DaGwL hu]8fx? * k|:tfljt nfef+z ( k|:tfljt af]gz z]o/ !) ljz]if hu]8f sf]if !! ;6xL 36a9 sf]if 1,83,663 !@ k'FhL lkmtf{ hu]8f sf]if !# k'FhL ;dfof]hg sf]if !$ :yug s/ sf]if 15,11,949 hDdf 1,60,69,241 48,64,680 ;l~rt d'gfkmf÷-gf]S;fg_ 7,52,57,622 1,94,58,720

gfkmf gf]S;fg af“8kmf“8 lx;fa cf=j= @)^*÷^( -@)!!÷!@_



rf6{8{ PsfpG6]06\;



8f=b'dg yfkf;~rfns







uf]kfn vgfn;~rfns




ljj/0f z]o/ k'“hL ;l~rt gfkmf ;fwf/0f k'“hLut z]o/ ;6xL 36a9 :yug s/ cGo hu]8f s'n /sd

gf]S;fg hu]8f sf]if hu]8f sf]if lk|ldod sf]if hu]8f tyf sf]if ?=

z'? Dff}Hbft 1,63,10,00,000 1,94,58,720 48,64,680 5,64,74,653 — — — — 1,71,17,98,053:yug s/ ;dfof]hg —;dfof]lht z'? df}Hbft 1,63,10,00,000 1,94,58,720 48,64,680 5,64,74,653 — — — — 1,71,17,98,053o; jif{ ;dfof]hg —o; jif{sf] v"b gfkmf 7,18,68,143 7,18,68,143;fwf/0f hu]8f sf]if -1,43,73,629_ 1,43,73,629 —:yug s/ hu]8f -15,11,949_ 15,11,949 —;6xL 36a9 sf]if -1,83,663_ 1,83,663 —cg'bfg k|fKt :yL/ ;DklQ 11,00,503 11,00,503

clGtd df}Hbft 1,63,10,00,000 7,52,57,622 1,92,38,309 5,75,75,156 — 1,83,663 15,11,949 — 1,78,47,66,699

OlSj6Ldf ePsf] kl/jt{g ;DaGwL ljj/0fcf=j= @)^*÷^( -@)!!÷!@_



rf6{8{ PsfpG6]06\;



8f=b'dg yfkf;~rfns







uf]kfn vgfn;~rfns



42 d]/f] a}+s – d]uf a}+s

qm=;+= ljj/0f o; jif{ ?= ut jif{ ?=

-s_ sf/f]af/ ;~rfngaf6 gub k|jfx 1,20,79,92,787 -86,09,40,162_ ! gub k|flKt 1,23,86,57,506 55,95,82,149 !=! Aofh cfDbfgL 1,15,82,95,905 51,64,41,765 !=@ sldzg tyf l8:sfp06 cfDbfgL 1,86,65,823 69,27,041 !=# ljb]zL ljlgdo sf/f]af/af6 cfDbfgL 2,69,14,126 88,33,352 !=$ ckn]lvt shf{sf] c;'nL !=% cGo cfDbfgL 3,47,81,651 2,73,79,9911 @ gub e'QmfgL -96,80,27,046_ -46,87,03,997_ @=! Aofh vr{ -69,76,21,261_ -29,38,77,444_ @=@ sd{rf/L vr{ -10,61,69,851_ -7,79,32,775_ @=# sfof{no ;~rfng vr{ -12,24,70,872_ -7,58,50,134_ @=$ cfos/ e'QmfgL -3,82,90,290_ -2,10,43,643_ @=% cGo vr{ -34,74,771_ sfo{ut k'FhL ultljlw cl3sf] gub k|jfx 27,06,30,461 9,08,78,153 ;~rfng ;DaGwL rfn" ;DklQdf sdL÷-j[l4_ -3,07,93,46,129_ -^,42,50,94,336_ ! dfu tyf cNk;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ 46,67,00,000 -59,90,00,000_ @ cGo cNksfnLg nufgLdf sdL÷-j[l4_ -30,68,72,583_ -99,01,68,865_ # shf{ tyf lan vl/bdf sdL÷-j[l4_ -3,23,13,60,231_ -4,81,64,61,748_ $ cGo ;DklQdf sdL÷-j[l4_ -78,13,315_ -1,94,63,723_ ;~rfng ;DaGwL rfn" bfloTjdf -sdL_÷j[l4 4,01,67,08,456 5,47,32,76,022 ! lgIf]k bfloTjdf -sdL_÷j[l4 3,81,90,64,268 5,37,34,92,929 @ ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 # cNksfnLg ;fk6Ldf -sdL_÷j[l4 18,86,69,493 11,47,51,5833 $ cGo bfloTjdf -sdL_÷j[l4 89,74,696 -1,49,68,491_ -v_ nufgL sf/f]af/df gub k|jfx -9,82,67,760_ -22,27,99,933_ ! bL3{sfnLg nufgLdf sdL÷-j[l4_ @ :yL/ ;DklQdf sdL÷-j[[l4_ -9,75,59,387_ -22,27,99,933_ # bL3{sfnLg nufgLdf Aofh cfDbfgL $ nfef+z cfDbfgL % cGo -7,08,373_ -u_ ljQLo >f]t sf/f]af/af6 gub k|jfx ! bL3{sfnLg C0f -a08, l8a]~r/ cflb_ df j[l4÷-sdL_ @ z]o/ k'FhLdf j[l4÷-sdL_ # cGo bfloTjdf j[l4÷-sdL_ $ g]kfn /fi6« a}+saf6 k|fKt ;x'lnot / k'g/shf{df j[l4÷-sdL_ % cGo -3_ gub tyf a}+s df}Hbftsf] ljlgod b/df ePsf] km/saf6 cfDbfgL÷ -vr{_ 7,34,653 -13,76,090_ -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx 1,11,04,59,680 -1,08,51,16,185_ -r_ gub tyf a}+sdf /x]sf] z'? df}Hbft 48,99,46,625 1,57,50,62,810 -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft 1,60,04,06,306 48,99,46,625

gub k|jfx ljj/0f ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_



rf6{8{ PsfpG6]06\;



8f=b'dg yfkf;~rfns







uf]kfn vgfn;~rfns





! z]o/ k'FhL !=! clws[t k'FHfL 4,00,00,00,000 4,00,00,00,000 s $,)),)),))) ;fwf/0f z]o/ k|lt z]o/ ?= !)) n] 4,00,00,00,000 4,00,00,00,000 v gg\l/l8d]jn lk|km/]G; z]o/ u l/l8d]jn lk|km/]G; z]o/ !=@ hf/L k'FhL 2,33,00,00,000 2,33,00,00,000 s @,##,)),))) ;fwf/0f z]]o/ k|lt z]o/ ?= !)) n] 2,33,00,00,000 2,33,00,00,000 v gg\l/l8d]jn lk|km/]G; z]o/ u l/l8d]jn lk|km/]G; z]o/ !=# r'Qmf k'FhL 1,63,10,00,000 1,63,10,00,000 s !,^#,!),))) ;fwf/0f z]o/ k|lt z]o/ ?=!)) n] 1,63,10,00,000 1,63,10,00,000 v gg\l/l8d]jn lk|km/]G; z]o/ u l/l8d]jn lk|km/]G; z]o/ !=$ k|:tfljt af]g; z]o/ !=% sn O{g P8efG; hDdf /sd -!=# ± !=$ ± !=%_ 1,63,10,00,000 1,63,10,00,000

z]]o/ k'“hL tyf :jfldTj #! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=!

qm=;+= z]o/ :jfldTj ljj/0f o; jif{ ?= ut jif{ ?=

k|ltzt z]o/ k'“hL k|ltzt z]o/ k'“hL

! :jb]zL :jfldTj 100 1,63,10,00,000 100 1,63,10,00,000 !=! g]kfn ;/sf/ !=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? !=# cGo Ohfhtkqk|fKt ;+:yfx? !=$ cGo ;+:yfx? !=% ;j{;fwf/0f !=^ cGo 100 1,63,10,00,000 100 1,63,10,00,000 @ j}b]lzs :jfldTj hDdf 100 1,63,10,00,000 100 1,63,10,00,000

)=% k|ltzt jf ;f] eGbf a9L :jfldTj ePsf z]o/wgLx?sf] ljj/0f#! cfiff9 @)^( -!% h'nfO{ @)!@_

qm=;+= gfd z]o/ :jfldTj k|ltzt /sd ?=

! 8f= b'dg l;+x yfkf If]qL 1=16 1,90,00,000 @ zDe' laqmd yfkf 0=92 1,50,00,000 # uf]kfn vgfn 0=74 1,20,00,000 $ t'n;L /fd kf]v/]n 0=67 1,10,00,000 % cd[tf k/fh'nL 0=64 1,05,00,000 ^ sdnf yfkf 0=61 1,00,00,000 & afn s[i0f e'iffn 0=61 1,00,00,000 * x]d axfb'/ u'?Ë 0=61 1,00,00,000 ( /fd k|;fb kf]v/]n 0=61 1,00,00,000 !) ?b| gf/fo0f zfx 0=61 1,00,00,000 !! ;'lgn kf0fL uf}td 0=61 1,00,00,000 !@ dL/f kf08] 0=61 1,00,00,000 !# an axfb'/ tfdfË 0=61 1,00,00,000

44 d]/f] a}+s – d]uf a}+s


! ;fwf/0f÷j}wflgs hu]8f sf]if 1,92,38,309 48,64,680 @ k'FhLut hu]8f sf]if 5,75,75,156 5,64,74,653 s= k'FhLut hu]8f -k"j{;~rfng_ 5,64,74,653 5,64,74,653 v= k'FhLut hu]8f -:yL/ ;DklQ cg'bfg_ 11,00,503

# k'FhL lkmtf{ hu]8f sf]if $ k'FhL ;dfof]hg sf]if % cGo hu]8f tyf sf]if 15,11,949 s= e}k/L cfpg] hu]8f v= ;+:yf ljsf; sf]if u= nfef+z ;dLs/0f sf]if 3= ljz]if hu]8f sf]if ª= ;DklQ k'gd{"NofÍg sf]if r= :yug s/ hu]8f 15,11,949 5= cGo :jtGq sf]if h= cGo hu]8f sf]if ^ ;l~rt gfkmf÷-gf]S;fg_ 7,52,57,622 1,94,58,720 & ;6xL 36a9 sf]if 1,83,663 hDdf 15,37,66,699 8,07,98,053

hu]8f tyf sf]ifx? #! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=@


! ====k|ltzt a08 ÷ C0fkq k|lt a08 ÷ C0fkq ?==== n] ldlt ============= df hf/L ePsf] / ldlt ========= df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve /sd ?=======================_

@ ====k|ltzt a08 ÷ C0fkq k|lt a08 ÷ C0fkq ?==== n] ldlt ============= df hf/L ePsf] / ldlt ========= df r'Qmf x'g] -xfn;Ddsf] Redemption Reserve /sd ?=======================_ hDdf -!±@_

C0fkq tyf a08 #! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=#

ltg{ af“sL shf{ -;fk6L_#! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=$


-s_ :jb]zL ! g]kfn ;/sf/ @ g]kfn /fi6« a}+s 50,00,000 1,50,00,000 # l/kf] bfloTj $ cGt/ a}+s tyf ljQLo ;+:yf 29,84,21,076 9,97,51,583 % cGo ;+ul7t ;+:yfx? ^ cGo hDdf 30,34,21,076 11,47,51,583 -v_ ljb]zL ! a}+sx? @ cGo hDdf hDdf -s ± v_ 30,34,21,076 11,47,51,583


cg';"rL — $=%


c Aofh ltg'{ gkg]{ vftfx? -s_ rNtL lx;fa 23,91,67,547 14,12,00,847 ! :jb]zL d'b|fdf 20,77,54,272 8,17,15,934 !=! g]kfn ;/sf/ 5,414 !=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? 5,69,863 !=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx? 87,14,071 10,05,417 !=$ cGo ;+ul7t ;+:yfx? 18,99,14,032 6,25,97,636 !=% JolTfmut 82,20,779 1,75,43,018 !=^ cGo 8,99,977 @ ljb]zL d'b|fdf 3,14,13,275 5,94,84,913 @=! g]kfn ;/sf/ @=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? @=# cGo Ohfhtkqk|fKt ljQLo ;+:yfx? @=$ cGo ;+ul7t ;+:yfx? 1,39,72,637 5,90,87,308 @=% JolQmut 1,74,40,638 3,97,605 @=^ cGo -v_ dflh{g 10,93,01,854 3,19,21,811 ! sd{rf/L hdfgt @ hdfgt dflh{g 2,95,67,719 1,41,01,933 # k|lttkq dflh{g 7,97,34,135 1,78,19,878 $ cGo -u_ cGo 4,80,13,000 5,30,000 ! :jb]zL d'b|fdf 4,80,13,000 5,30,000 !=! ljQLo ;+:yfx? !=@ cGo ;+ul7t ;+:yfx? 41,26,000 5,00,000 !=# JolQmut 4,38,87,000 30,000 @ ljb]zL d'b|fdf @=! ljQLo ;+:yfx? @=@ cGo ;+ul7t ;+:yfx? @=# JolQmut Aofh ltg'{ gkg]{ vftfx?sf] hDdf 39,64,82,401 17,36,52,658

cf Aofh ltg'{ kg]{ vftfx? -s_ art lx;fa 3,95,50,15,306 1,59,58,65,762 ! :jb]zL d'b|fdf 3,93,95,53,962 1,58,73,87,486 !=! ;+3 ;+:yfx? 4,20,93,452 86,12,969 !=@ JolQmut 3,89,19,47,027 1,57,87,74,517 !=# cGo 55,13,484 @ ljb]zL d'b|fdf 1,54,61,344 84,78,276 @=! ;+3 ;+:yfx? 2,06,304 @=@ JolQmut 1,54,61,344 82,71,972 @=# cGo -v_ d'2tL lx;fa 3,08,96,78,449 2,17,05,43,005 ! :jb]zL d'b|fdf 2,87,95,41,949 2,17,05,43,005 !=! ;+3 ;+:yfx? 1,39,42,35,591 88,66,25,582 !=@ JolQmut 1,47,72,06,358 1,28,39,17,423 !=# cGo 81,00,000

lgIf]k lx;fa #! cfiff9 @)^( -!% h'nfO{ @)!@_

46 d]/f] a}+s – d]uf a}+s


lgIf]k lx;fa #! cfiff9 @)^( -!% h'nfO{ @)!@_

@ ljb]zL d'b|fdf 21,01,36,500 @=! ;+3 ;+:yfx? 20,28,60,000 @=@ JolQmut 72,76,500 @=# cGo -u_ dfu]sf] avt ltg'{ kg]{ lx;fa 1,75,13,81,040 1,43,34,31,505 ! :jb]zL d'b|fdf 1,67,14,97,802 1,38,33,59,451 !=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? !=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx? 53,53,36,586 68,08,00,922 !=# cGo ;+ul7t ;+:yfx? 1,02,77,17,493 52,77,97,495 !=$ JolTfmut 8,28,60,264 17,47,61,034 !=% cGo 2,55,83,460 @ ljb]zL d'b|fdf 7,98,83,238 5,00,72,053 @=! æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx? 1,90,57,706 @=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx? @=# cGo ;+ul7t ;+:yfx? 5,68,52,320 3,89,58,019 @=$ JolQmut 39,73,211 1,11,14,034 @=% cGo -3_ ;l6{lkms]6 ckm l8kf]lh6 ! ;+ul7t ;+:yf @ JolTfmut # cGo Aofh ltg'{ kg]{ vftfx?sf] hDdf 8,79,60,74,796 5,19,98,40,272 hDdf lgIf]k -c±cf_ 9,19,25,57,197 5,37,34,92,930

qmdz======



! :jb]zL d'b|f 1,18,99,633 15,62,792 @ ljb]zL d'b|f 69,22,737 6,08,528 hDdf 1,88,22,370 21,71,320

e'QmfgL lbg'kg]{ lanx? #! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=^


! k]G;g÷pkbfg sf]if 28,95,748 13,58,344 @ sd{rf/L ;~ro sf]if # sd{rf/L sNof0f sf]if $ sd{rf/L af]g; Joj:yf 1,02,96,546 34,74,771 % lgIf]kdf e'QmfgL lbg afFsL Aofh 5,89,67,550 68,46,573 ^ ;fk6Ldf e'QmfgL lbg afFsL Aofh 34,372 36,219 & kfsL g;s]sf] l8:sfp06 / sldzg 12,40,000 3,17,900 * ;08«L qm]l86{; 67,41,107 91,13,752 ( zfvf ldnfg lx;fa !) :yug s/ bfloTj 16,22,229 !! e'QmfgL lbg afFsL nfef+z !@ e'QmfgL lbg afFsL n]vfk/LIf0f z'Ns 4,63,300 4,23,750 !# cGo 1,95,73,956 1,61,41,001 13.1 ;l~rt sd{rf/L labf Joj:yf 74,51,438 20,94,862 13.2 >f]tdf s/ s§L 83,33,315 1,17,46,775 13.3 ljk|]if0f bfloTj 32,89,025 18,61,852 13.4 cGo 5,00,178 4,37,512 hDdf 10,02,12,580 3,93,34,540

cGo bfloTj #! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=&

48 d]/f] a}+s – d]uf a}+s


! :jb]zL d'b|f -l;Ssf ;d]t_ 24,22,95,390 15,38,57,143 @ ljb]zL d'b|f 74,49,467 60,57,333 hDdf 24,97,44,857 15,99,14,476

gub df}Hbft #! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=*

qm=;+= ljj/0f :jb]zL d'b|f ?= ljb]zL d'b|f -g]=?=df_ s'n ?= ut jif{ ?=

ef=?= kl/jTo{ lj=d'= hDdf

! g]kfn /fi6« a}+s 1,19,37,57,093 27,43,758 27,43,758 1,19,65,00,851 27,14,81,726 s rNtL vftf 1,19,37,57,093 27,43,758 27,43,758 1,19,65,00,851 27,14,81,726 v cGo vftf

g]kfn /fi6« a}+sdf /x]sf] df}Hbft #! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=(

qm=;+= ljj/0f o; jif{ s'n ?= ut jif{ ?=

! :jb]zL d'b|fdf 59,90,00,000 @ ljb]zL d'b|fdf 13,23,00,000 hDdf 13,23,00,000 59,90,00,000

dfu tyf cNk;"rgfdf k|fKt x'g] /sd#! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=!!

qm=;+= ljj/0f :jb]zL d'b|f ?= ljb]zL d'b|f -g]=?=df_ o; jif{ s'n ?= ut jif{ ?=

ef=?= kl/jTo{ lj=d'= hDdf

! :jb]zL Ohfhtkqk|fKt ;+:yfx? 10,95,92,996 10,95,92,996 4,90,05,181 s rNtL vftf 10,95,92,996 10,95,92,996 4,90,05,181 v cGo vftf @ ljb]zL a}+sx? 24,41,050 4,21,26,552 4,45,67,601 4,45,67,601 95,45,242 s rNtL vftf 24,41,050 4,21,26,552 4,45,67,601 4,45,67,601 95,45,242 v cGo vftf hDdf 10,95,92,996 24,41,050 4,21,26,552 4,45,67,601 15,41,60,597 5,85,50,423

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft#! cfiff9 @)^( -!% h'nfO{ @)!@_ cg';"rL — $=!)

gf]]^M ;DalGwt Ohfhtkqk|fKt ;+:yfx?sf] ;dy{g kq cg';f/sf] s'n df}Hbft ?= 17,44,31,982


nufgL #! cfiff9 @)^( -!% h'nfO{ @)!@_

qm=;+= ljj/0f k|of]hg o; jif{ ?= ut jif{ ?=

Jofkfl/s cGo ! g]kfn ;/sf/sf] 6]«h/L lan 87,28,16,900 87,28,16,900 55,81,81,365 @ g]kfn ;/sf/sf] artkq # g]kfn ;/sf/sf] cGo C0fkq $ g]kfn /fi6« a}+s C0fkq % ljb]zL C0fkq ^ :jb]zL Ohfhtkqk|fKt ;+:yf 30,28,00,000 30,28,00,000 27,92,50,000 & ljb]zL a}+s 12,14,24,548 12,14,24,548 15,27,37,500 * ;+ul7t ;+:yfx?sf] z]o/ ( ;+ul7t ;+:yfx?sf] l8a]]~r/ tyf a08 !) cGo nufgL s'n nufgL 1,29,70,41,448 1,29,70,41,448 99,01,68,865 Joj:yf v"b nufgL 1,29,70,41,448 1,29,70,41,448 99,01,68,865

cg';"rL — $=!@

z]o/, l8a]~r/ tyf a08df nufgL #! cfiff9 @)^( -!% h'nfO{ @)!@_

qm=;+= ljj/0f k/n ahf/ d"No Joj:yf o; jif{ ?= ut jif{ ?=

df]n ?= cg';f/ ?= /sd ?=

! z]o/ nufgL !=! ============= sDkgL -k|f=ln=÷ln=_ ===== ;fwf/0f z]o/, k|lt z]o/ ===== n] r'Qmf !=@ ============= sDkgL -k|f=ln=÷ln=_ ===== ;fwf/0f z]o/, k|lt z]o/ ===== n] r'Qmf !=# ============= sDkgL -k|f=ln=÷ln=_ ===== ;fwf/0f z]o/, k|lt z]o/ ===== n] r'Qmf @ l8a]~r/ tyf a08 nufgL @=! ============= sDkgL -k|f= ln=÷ln_ ======== k|ltzt l8a]~r/÷a08 k|lt l8a]~r/÷a08 ====== ?==== n] r'Qmf @=@ ============= sDkgL -k|f= ln=÷ln_ ======== k|ltzt l8a]~r/÷a08 k|lt l8a]~r/÷a08 ====== ?==== n] r'Qmf s'n nufgL # hf]lvd ;DaGwL Joj:yf #=! ut jif{ ;Ddsf] Joj:yf #=@ o; jif{sf] yk÷36 s'n Joj:yf v"b nufgL

cg';"rL — $=!@ -s_

50 d]/f] a}+s – d]uf a}+s

cg';"rL — $=!@=!

qm=;+= ljj/0f k/n d"No kl5Nnf] ahf/ xfnsf] ahf/ o; jif{ gfkmf÷ ut jif{ gfkmf÷ s}lkmot

d"No -s_ d"No -v_ -gf]S;fg_/sd -v—s_ -gf]S;fg_ /sd

! g]kfn ;/sf/sf] 6«]h/L lan @ g]kfn ;/sf/sf] artkq # g]kfn ;/sf/sf] cGo C0fkq $ g]kfn /fi6« a}+s C0fkq % ljb]zL C0fkq ^ :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ & :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8a]~r/ tyf a08 * :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]~r/ tyf a08 ( ljb]zL a}+s nufgL -Placement_ !) cGt/ a}+s nufgL !! cGo nufgL s'n nufgL

Jofkfl/s nufgL (Held For Trading) #! cfiff9 @)^( -!% h'nfO{ @)!@_

cg';"rL — $=!@=@

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held To Maturity) #! cfiff9 @)^( -!% h'nfO{ @)!@_

qm=;+= ljj/0f k/n xfn;Ddsf] o; jif{sf] o; jif{ gfkmf÷ ut jif{ gfkmf÷ s}lkmot

d"No Iflt /sd Iflt /sd -gf]S;fg_ /sd -gf]S;fg_ /sd

-s_ -v_ -u_ -s—v—u_

! g]kfn ;/sf/sf] 6«]h/L lan 87,28,16,900 @ g]kfn ;/sf/sf] artkq # g]kfn ;/sf/sf] cGo C0fkq $ g]kfn /fi6« a}+s C0fkq % ljb]zL C0fkq ^ :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ & :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8a]~r/ tyf a08 * :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]~r/ tyf a08 ( ljb]zL a}+s nufgL -Placement_ 12,14,24,548 !) cGo nufgL 30,28,00,000 s'n nufgL 1,29,70,41,448

cg';"rL — $=!@=#

laqmLsf] nflu pknAw nufgL (Available For Sale)

#! cfiff9 @)^( -!% h'nfO{ @)!@_

qm=;+= ljj/0f k/n d"No kl5Nnf] xfnsf] ahf/ o; jif{ sf]if ut jif{ gfkmf÷ s}lkmot

d"No ahf/ ahf/ ;dfof]hg /sd -gf]S;fg_

d"No -s_ d"No -v_ -v—s_ /sd

! g]kfn ;/sf/sf] 6«]h/L lan @ g]kfn ;/sf/sf] artkq # g]kfn ;/sf/sf] cGo C0fkq $ g]kfn /fi6« a}+s C0fkq % ljb]zL C0fkq ^ :jb]zL Ohfhtkqk|fKt ;+:yfsf] z]o/ & :jb]zL Ohfhtkqk|fKt ;+:yfsf] l8a]~r/ tyf a08 * :jb]zL ;+ul7t ;+:yfsf] z]o/, l8a]~r/ tyf a08 ( ljb]zL a}+s nufgL -Placement_ !) cGo nufgL s'n nufgL


cg';

"rL — $

=!#

sh

f{ ;fk

6 t

yf l

an v

l/b

ju

L{s/0

f / ;

f]sf] n

flu Jo

j:y

f #!

cfi

ff9 @

)^(

-!%

h'n

fO{ @

)!@_

qm=;

+= ljj/

0f

shf{ ty

f ;fk6

vl/b

tyf l8

isfp

06 u

l/Ps

f] lan

o; j

if{ ?=

ut

jif{ ?=

:jb]z

L

ljb]z

L

hDd

f

:jb

]zL

ljb

]zL

hDd

f

ljkGg

ju{

cGo

ljld

t

cljld

t

!

;lqmo

shf{ ;fk6

27

,46,

35,7

05

7,4

2,87

,94,

089

7,7

0,34

,29,

794

45,00

,000

30

,05,87

,785

30

,50,87

,785

8,

00,8

5,17

,578

4,8

1,64

,61,748

!=!

c;n s

hf{

27

,46,

35,7

05

7,4

2,87

,94,

089

7,7

0,34

,29,

794

45,00

,000

30

,05,87

,785

30

,50,87

,785

8,

00,8

5,17

,578

4,81

,64,

61,7

48

@ lgliq

mo s

hf{ ;fk6

3

,93,

04,4

01

3,

93,04,

401

3,

93,04,

401

@=!

k'g/;

+/rgf

÷k'g

/tfln

sLs

/0f

@=@

sd;n

68,

04,4

01

68

,04,

401

68

,04,

401

@=#

z+sf:kb

@=$ v/fa

3

,25,00

,000

3,25

,00,00

0

3

,25,00

,000

-s_

s'n s

hf{

27

,46,

35,7

05

7,4

6,80

,98,

490

7,7

4,27

,34,

195

45,00,00

0 30

,05,87

,785

30

,50,87

,785

8,

04,7

8,21

,979

4,81

,64,

61,7

48

#

shf{ gf

]S;fg

L Jo

j:yf

#=!

c;n s

hf{

2

7,4

6,35

7

7,4

2,87

,941

7,7

0,34

,298

45

,000

30

,05,87

8 30

,50,87

8 8,

00,8

5,17

6 4,

81,6

4,61

7

#=@

k'g/;

+/rgf

÷k''g

/tfln

sLs

/0f

#=#

sd;n

17,01,10

0

17,01,10

0

1

7,01,10

0

#=$

z+sf:kb

#=%

v/fa

3

,25,00

,000

3,25

,00,00

0

3

,25,00

,000

-v_

s'n Joj

:yf

2

7,4

6,35

7

10,84

,89,

041

11

,12,

35,3

98

45,00

0

30,05

,878

3

0,50

,878

1

1,42

,86,

276

4

,81,64

,617

$

ut j

if{;Dd

sf] Jo

j:yf

$=! c;n

6

,008

4

,80,13

,473

4,

80,19,

481

1,4

5,13

6

1,4

5,13

6

4,8

1,64

,617

$=@ k'g

/;+/r

gf÷k''g

/tfln

sLs

/0f

$=#

sd;n

$=$

z+sf:kb

$=%

v/fa

-u

_ ut j

if{;Dd

sf] s'n Joj

:yf

6

,008

4

,80,13

,473

4,

80,19,

481

1,45

,136

1

,45,13

6

4,8

1,64

,617

-

3_

o; j

if{sf] Jo

j:yfa

f6 lkmtf{

-ª_

o; j

if{sf] yk

Joj:

yf

2

7,4

0,34

9

6,04,

75,56

8

6,32

,15,91

7

45,00

0

28,

60,7

42

29,

05,7

42

6,6

1,21

,659

4

,81,64

,617

-r_

o; j

if{sf] v"b

yk3

6

2

7,4

0,34

9

6,04,

75,56

8

6,32

,15,91

7

45,00

0

28,

60,7

42

29,

05,7

42

6,6

1,21

,659

4

,81,64

,617

v"b

shf{ -s

– v

_

27,18,

89,3

48

7,3

5,96

,09,

449

7,6

3,14

,98,

797

44

,55,00

0 2

9,75,81

,907

30

,20,36

,907

7,9

3,35

,35,703

4,

76,

82,9

7,131

52 d]/f] a}+s – d]uf a}+s

cg';"rL — $=!# -s_


-s_ ;'/lIft 8,04,78,21,979 4,81,64,61,748 ! rn÷crn ;DklQsf] ;'/If0fdf 7,15,23,70,767 4,72,18,03,161 @ :jb]zL Ohfhtkqk|fKt ;+:yfsf] hdfgtdf 14,04,85,395 # ;/sf/L hdfgtdf $ cGt/f{li6«o >]0fLs[t a+}ssf] hdfgtdf % lgof{t sfuhft (Export Document) sf] ;'/If0fdf ^ d'2tL /l;bsf] ;'[/If0fdf 5,31,86,744 4,61,34,890 ^=! ;+:yfsf] cfkm\g} d'2tL /l;bsf] ;'[/If0fdf 5,31,86,744 4,43,54,731 ^=@ cGo Ohfhtkqk|fKt ;+:yfsf] d'2tL /;Lbsf] ;'[/If0fdf 17,80,159 & ;/sf/L C0fkqsf] ;'/If0fdf * sfp06/ hdfgtdf ( JolQmut hdfgtdf !) cGo ;'/If0fdf 70,17,79,073 4,85,23,698 -v_ c;'/lIft hDdf 8,04,78,21,979 4,81,64,61,748

shf{, ;fk6 / lan vl/bsf] ;'/If0f #! cfiff9 @)^( -!% h'nfO{ @)!@_

cg';"rL — $=!$

;DklQ

qm=;+= ljj/0f ejg kl/jxg d]lzg/L sfof{no cGo o; jif{ ?= ut jif{ ?=

;fwg ;fdfg

! k/n df]n s ut jif{sf] df}Hbft 9,21,39,577 9,15,59,342 5,65,46,320 24,02,45,239 5,61,44,843 v o; jif{ yk 1,51,04,450 4,14,43,326 1,66,01,396 7,31,49,172 18,41,00,396 u o; jif{ k'gd"{NofÍg÷k'gn]{vg 3 o; jif{sf] laqmL -30,00,000_ -30,00,000_ ª o; jif{sf] ckn]vg -4,77,406_ -3,63,408_ -8,40,814_ s'n -s±v±u±3±ª_ k/ndf]n 10,42,44,027 13,25,25,261 7,27,84,308 30,95,53,596 24,02,45,239 @ x|f; s§L s ut jif{;Ddsf] 1,28,19,425 1,57,68,762 93,15,556 3,79,03,743 30,27,744 v o; jif{sf] 1,63,55,889 2,26,98,793 1,15,90,554 5,06,45,236 3,48,75,999 u x|f;s§L k'gd"{NofÍg÷k'gn]{vg 3 x|f;s§L /sd ;dfof]hg÷lkmtf{ -7,80,516_ -2,16,827_ -1,06,546_ -11,03,889_ s'n x|f; s§L 2,83,94,798 3,82,50,728 2,07,99,564 8,74,45,090 3,79,03,743 # a's Eofn" (WDV*) -!–@_ 7,58,49,229 9,42,74,533 5,19,84,744 22,21,08,506 20,23,41,496 $ hUuf % k'FhLut lgdf{0f -k'FhLs/0f ul/g' kg]{_ 4,95,122 4,95,122 9,44,180 ^ nLh xf]N8 ;DklQ 6,71,49,729 6,71,49,729 5,22,67,103 hDdf -#±$±%±^_ 7,58,49,229 9,42,74,533 11,96,29,595 28,97,53,357 25,55,52,779

:yL/ ;DklQ #! cfiff9 @)^( -!% h'nfO{ @)!@_

* Written Down Value


cg';"rL — $=!%

C0fL jf kf6L{sf] gfd 7]ufgf u}/ a}+ls· ;DklQ s'n u}/ a}+ls· gf]S;fgL Joj:yf v"b u}/ a}+ls· ut jif{ ?=

;sf/ u/]sf] ldlt ;DklQ /sd ?= k|ltzt /sd ?= ;DklQ ?=

s'n hDdf

u}/ a}+ls· ;DklQ#! cfiff9 @)^( -!% h'nfO{ @)!@_

cg';"rL — $=!^ -s_


! jif{;Dd ! jif{b]lv # jif{;Dd # jif{eGbf dfly hDdf

! shf{df c;'n ug{ afFsL Aofh 2,28,85,124 2,28,85,124 1,30,03,860 @ lagf ;"rgf 8«fKf\m6sf] e'QmfgL # zfvf ldnfg lx;fa $ :jb]zL tyf ljb]zL Ph]G;L lx;fa hDdf 2,28,85,124 2,28,85,124 1,30,03,860

cGo ;DklQ -yk ljj/0f_#! cfiff9 @)^( -!% h'nfO{ @)!@_

cg';"rL — $=!^


! d;nGb df}Hbft 47,47,381 30,72,809 @ nufgLdf c;'n ug{ afFsL cfDbfgL 31,64,194 1,74,12,227 # shf{df c;'n ug{ afFsL Aofh 2,28,85,124 1,30,03,860 Go"gM Aofh d'NtjL /sd -2,28,85,124_ -62,27,394_ $ c;'n ug{ afFsL sldzg 64,246 % ;08«L 8]6;{ 6,80,033 90,516 ^ sd{rf/L ;fk6L / k]ZsL 9,63,35,948 8,84,80,902 & clu|d e'QmfgL 1,42,81,352 78,84,717 * dfu{:y gub ( dfu{:y cGo -r]s ;d]t_ !) ljgf ;"rgf 8«fKf\m6sf] e'QmfgL !! ckn]vg x'g afFsL vr{ !@ zfvf ldnfg lx;fa !# :yug s/ ;DklQ 15,11,949 !$ cGo 2,59,58,006 1,50,45,696 clu|d cfos/ 38,78,483 cGo 2,20,79,524 1,50,45,696 hDdf 14,67,43,109 13,87,63,334

cGo ;DklQ#! cfiff9 @)^( -!% h'nfO{ @)!@_

54 d]/f] a}+s – d]uf a}+s

cg';"rL — $=!&

qm=;+ = ljj/0f o; jif{ ?= ut jif{ ?=

! ;+:yfpk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] @ k|lttkqx? -dflh{g gs6fO{ k'/f /sd_ 89,32,57,087 21,06,91,018 s= ̂ dlxgf eGbf sd cjlwsf] 64,82,40,729 18,17,37,674 v= ̂ dlxgf eGbf a9L cjlwsf] 24,50,16,359 2,89,53,344 # k"gM l8:sfpG6 ul/Psf lanx? $ Dofb gfl3 g;s]sf] Uof/]G6L÷a08 24,96,62,162 15,00,71,456 s= la8 a08 2,00,67,080 8,49,40,373 v= k/km/d]G; a08 21,51,50,082 5,55,76,083 u= cGo Uof/]06L÷a08 1,44,45,000 95,55,000 % r'Qmf jf e'Qmfg x'g afFsL z]o/ nufgL ^ km/jf8{ PS;r]~h sG6«fS6sf] afFsL bfloTjx? 69,15,586 & sn]S;gdf /x]sf lanx? 6,51,83,906 1,33,58,222 * d~h'/L tyf ;dy{g (Acceptance & Endorsement) 16,82,30,129 1,57,72,419 ( k|Tofe'lt k|lta4tf (Underwriting Commitment) !) ckl/jTo{ shf{ k|lta4tf (Irrevocable Loan Commitment) 41,21,94,044 24,31,13,778 !! cGt/f{li6«o >]0fLs[t a}+ssf] sfp06/ Uof/]06Ldf lbPsf] Uof/]06L !@ clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) 5,22,23,460 3,05,43,000 !# shf{{ k|jfxsf] nflu ljQLo hdfgt (Financial Guarantee) !$ cfos/ afkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) !% cGo hDdf 1,84,76,66,375 66,35,49,892

;Defljt bfloTjx? #! cfiff9 @)^( -!% h'nfO{ @)!@_

cg';"rL — $=!*

qm=;+= ljj/0f o; jif{ ?= ut jif{ ?= s shf{ ;fk6 / clwljsif{df 1,03,89,24,824 44,27,41,090 ! shf{ ;fk6 86,96,35,361 38,63,07,918 @ clwljsif{ 16,92,89,463 5,64,33,172 v nufgLdf 7,62,84,300 5,16,17,472 ! g]kfn ;/sf/sf] ;'/If0fkq 1,88,20,089 2,11,75,686 c= 6]«h/L laN; 1,88,20,089 2,11,75,686 cf= ljsf; C0fkq O= /fli6«o artkq @ ljb]zL C0fkq # g]kfn /fi6« a}+ssf] C0fkq $ l8a]~r/ tyf a08 % cGt/ a}+s nufgLdf 5,74,64,210 3,04,41,786 c= a}+s÷ljQLo ;+:yfx? 5,74,64,210 3,04,41,786 cf= cGo ;+:yfx? u Ph]G;L df}Hbftdf 62,950 ! :jb]zL a}+s÷ljQLo ;+:yfx? @ ljb]zL a}+sx? 62,950 3 dfu tyf cNk;"rgfdf k|fKt x'g] df}Hbftdf 2,01,22,740 4,52,97,506 ! :jb]zL a}+s÷ljQLo ;+:yfx? 1,91,12,160 4,52,97,506 @ ljb]zL a}+sx? 10,10,580 ª cGodf 49,29,768 45,59,299 ! ;l6{lkms]6 ckm l8kf]lh6 @ cGt/ a}+s÷ljQLo ;+:yf shf{ # cGo 49,29,768 45,59,299 hDdf 1,14,03,24,581 54,42,15,367

Aofh cfDbfgL ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_


cg';"rL — $=!(


s lgIf]k bfloTjdf 74,09,44,631 27,44,71,095 ! d'2tL lgIf]k 35,77,80,564 11,04,91,870 !=! :jb]zL d'b|f 35,49,11,708 11,04,91,870 !=@ ljb]zL d'b|f 28,68,856 @ art lgIf]k 24,74,12,123 8,60,78,656 @=! :jb]zL d'b|f 24,72,55,932 8,60,33,315 @=@ ljb]zL d'b|f 1,56,191 45,341 # dfu]sf] avt ltg'{kg]{ lgIf]k 13,57,51,944 7,79,00,569 #=! :jb]zL d'b|f 13,05,75,647 7,74,43,486 #=@ ljb]zL d'b|f 51,76,297 4,57,083 $ ;l6{lkms]6 ckm l8kf]lh6\; v shf{ ;fk6Ldf 87,95,760 2,62,89,141 ! C0fkq tyf a08 @ g]kfn /fi6« a}+saf6 k|fKt shf{ 1,10,13,488 # cGt/ a}+s÷ljQLo ;+:yf shf{ 87,95,760 1,52,75,653 $ cGo ;+ul7t ;+:yf % cGo shf{ u cGodf hDdf 74,97,40,391 30,07,60,236

Aofh vr{ ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_

cg';"rL — $=@)


s lan v/Lb tyf l8:sfp06 1,26,774 1,31,569 ! :jb]zL 66,124 1,31,569 @ ljb]zL 60,650 v sldzg 1,46,80,001 58,74,693 ! k|lttkq 67,71,865 29,61,954 @ hdfgtkq 45,71,114 19,99,175 # sn]S;g kmL 1,10,281 13,214 $ /]ld6]G; kmL 32,26,741 9,00,350 % q]ml86 sf8{ ^ z]o/ k|Tofe"lt÷lgisf;g & ;/sf/L sf/f]af/ afkt * O=k|f= sldzg afkt ( a§f cfDbfgL u cGo 30,01,194 6,02,879 hDdf 1,78,07,969 66,09,141

sldzg tyf l8:sfp06 ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_

56 d]/f] a}+s – d]uf a}+s

cg';"rL — $=@!


! ;]km l8kf]lh6 eN6sf] ef8f 4,71,275 1,71,250 @ q]ml86sf8{ lgisfzg tyf gjLs/0f # ATM sf8{ lgisfzg tyf gjLs/0f 8,29,000 $ 6]n]S;÷l6=l6= 7,66,753 4,96,510 % ;]jf z'Ns 3,05,02,556 2,62,89,731 ^ gjLs/0f z'Ns 16,01,243 & cGo 2,01,013 4,22,500 hDdf 3,43,71,839 2,73,79,991

cGo ;~rfng cfDbfgL ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_

cg';"rL — $=@@


s ljlgdo b/df ePsf] km/saf6 7,34,653 -13,76,090_ v ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ 2,69,14,126 88,33,352 hDdf cfDbfgL÷-gf]S;fg_ 2,76,48,779 74,57,262

;6xL 36a9 cfDbfgL÷gf]S;fg ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_

cg';"rL — $=@#


! tna 6,91,41,612 5,18,90,322 @ eQf 2,89,08,992 2,12,97,088 # ;~rosf]ifdf yk 36,40,817 27,51,562 $ tflnd vr{ 10,20,556 3,14,855 % kf]zfs 9,16,937 4,46,107 ^ cf}ifwf]krf/ & ladf 22,32,419 12,30,008 * k]G;g tyf pkbfg Joj:yf 15,37,405 13,58,344 ( cGo 56,65,094 20,97,696 hDdf 11,30,63,832 8,13,85,981

sd{rf/L vr{ ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_


cg';"rL — $=@$


! 3/ef8f 3,16,73,743 1,69,09,816 @ aQL, lah'nL tyf kfgL 44,97,721 21,80,433 # dd{t tyf ;Def/ 25,67,740 11,74,665 s= ejg 10,68,669 v= ;jf/L ;fwg 8,79,070 6,09,284 u= cGo 6,20,001 5,65,381 $ ladf 33,21,454 31,36,612 % kf]i6]]h, 6]n]S;, 6]lnkmf]g, km\ofS; 97,53,863 47,21,326 ^ sfof{no pks/0f / kmlg{r/ ;Def/ 5,33,119 6,00,894 & e|d0f eQf / vr{ 17,18,313 15,88,332 * d;nGb / 5kfO{ 54,61,518 37,82,963 ( kqklqsf tyf k':ts 2,23,897 1,51,603 !) lj1fkg 37,89,439 94,76,032 !! sfg'gL vr{ !@ rGbf !# ;~rfns ;ldlt ;DaGwL vr{ 11,52,439 10,54,628 s= a}7s eQf 7,82,000 6,99,000 v= cGo vr{ 3,70,439 3,55,628 !$ ;fwf/0f ;ef ;DaGwL vr{ 8,77,223 !% n]vf k/LIf0f ;DaGwL 7,37,325 5,39,150 s= n]vf k/LIf0f z'Ns 4,63,300 4,23,750 v= cGo vr{ 2,74,025 1,15,400 !^ /sd :yfgfGt/0f sldzg !& :yL/ ;DklQdf x|f; s§L 5,05,26,572 3,48,75,999 !* k"j{ ;~rfng vr{ ckn]vg !( z]o/ lgisfzg vr{ @) k|fljlws ;]jf zf]wegf{ 53,60,389 45,45,290 @! dgf]/~hg vr{ 4,76,891 2,17,714 @@ ckn]vg vr{ 1,55,51,390 69,91,180 @# ;'/Iff vr{ 1,31,16,837 40,95,191 @$ shf{ ;'/If0f lk|ldod @% sldzg / l8:sfp06 7,38,436 5,95,935 @^ cGo 2,65,90,760 2,04,90,678 s= OGwg vr{ 79,35,248 45,36,610 v= lrof÷rd]gf vr{ 11,45,799 7,47,979 u= a}+s ;d'b\3f6g vr{ 34,01,219 3= zfvf ;d'b\3f6g vr{ 11,12,351 6,37,704 ª= u|fxs ;Tsf/ tyf k|fof]hg vr{ 36,37,273 43,27,784 r= btf{ tyf ;b:otf z'Ns 8,79,877 7,26,001 5= ;/;kmfO{ 7,49,261 6,15,170 h= sf8{;+u ;DaGwLt vr{ 36,18,280 17,10,363 em= s/÷z'Ns 13,51,349 6,99,144 `= lgIf]k ladf lk|ldod 22,10,682 6= ljB'lto lSnol/Ë vr{ 1,20,595 7= cGo 38,30,045 30,88,704 hDdf 17,86,69,069 11,71,28,441

cGo ;~rfng vr{ ! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_

58 d]/f] a}+s – d]uf a}+s

cg';"rL — $=@%


! shf{ gf]S;fgL Joj:yfdf ePsf] j[l4 6,61,21,659 4,81,64,617 @ nufgL gf]S;fgL Joj:yfdf ePsf] j[l4 # u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf $ cGo ;DklQdf ul/Psf] Joj:yf hDdf 6,61,21,659 4,81,64,617

;Defljt gf]S;fgL Joj:yfcfly{s jif{ @)^*÷^( -@)!!÷!@_

cg';"rL — $=@^


! nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ @ ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ 2,93,980 2,93,980 # nfef+z $ g]kfn /fi6« a+}saf6 k|fKt ;x'lnot s= tf]lsPsf] zfvfaf6 gf]S;fg afkt Ifltk"lt{ v= Aofh Ifltk"lt{ u= ;6xL sfp06/ % cGo 4,09,813 v"b u}/ ;~rfng cfDbfgL -gf]S;fg_ 7,03,793

u}/ ;~rfng cfDbfgL÷gf]S;fg! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_

cg';"rL — $=@&


! shf{ gf]S;fgL Joj:yfaf6 lkmtf{ @ u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ # nufgL Joj:yfaf6 lkmtf{ $ cGo ;Dklt Joj:yfaf6 lkmtf{ hDdf

;Defljt gf]S;fgL Joj:yfaf6 lkmtf{cf=j= @)^*÷^( -@)!!÷!@_

cg';"rL — $=@*


! ckn]vg ePsf] shf{sf] c;'nL @ :j]lR5s cjsfz vr{ # c;'nL x'g g;Sg] shf{sf] ckn]vg -$=@* s_ $ cGo vr{÷cfDbfgL hDdf

c;fdfGo sf/f]af/x?af6 ePsf] cfDbfgL÷vr{{! >fj0f @)^* b]lv #! cfiff9 @)^( ;Dd -!& h'nfO{ @)!! b]lv !% h'nfO{ @)!@ ;Dd_


cg';"rL — $=@* -s_

qm=;+= shf{ k|sf/ ckn]vg lwtf]sf] k|sf/ lwtf] d"Nof°gsf shf{ :jLs[t ug]{ shf{ c;'nLsf nflu s}lkmot

ul/Psf] /sd tyf /sd cfwf/ clwsf/L÷tx eP u/]sf k|of;

! rfn' k'FhL shf{ @ kl/of]hgf shf{ # :yL/ k'FhL shf{ $ JolQmut shf{ % cGo shf{ s'n shf{

ckn]lvt shf{sf] ljj/0f cfly{s jif{ @)^*÷^( -@)!!÷!@_

cg';"rL — $=@(

;+:yfks÷;~rfns÷ ut jif{;Ddsf] af“sL o; jif{ c;'nL o; jif{ yk shf{ cfiff9 d;fGt;Dd af“sL

sfo{sf/L k|d'vsf] gfd ;f“jf Aofh ;f“jf Aofh ;f“jf Aofh

-s_ ;~rfns != @= -v_ sfo{sf/L k|d'v != @= -u_ ;+:yfks != @= -3_ sd{rf/L != @= -ª_ z]o/wgLx? != @=

;~rfns÷sfo{sf/L k|d'v÷;+:yfks÷sd{rf/L tyf z]o/xf]N8/x?nfO{ uPsf] shf{ ;fk6 ljj/0f #! cfiff9 @)^( -!% h'nfO{ @)!@_

vl/b tyf l8:sfp06 ul/Psf lanx? / shf{, ;fk6 tyf clwljsif{df k|jflxt s'n /sddWo] ;~rfns, sfo{sf/L k|d'v, ;+:yfks, sd{rf/L, z]o/ xf]N8/x? / lghx?sf] kl/jf/sf ;b:o jf To:tf JolQm hdfgL a;]sf] jf d}g]lhË Ph]G6 ePsf] s'g} ;+:yf jf sDkgLnfO{ uPsf] /sdsf] ljj/0f b]xfo adf]lhd 5 .

sd{rf/L ljlgodfjnL cGtu{t k|bfg ePsf sd{rf/L shf{ tyf a}+ssf] lgIf]ksf] ;'/If0fdf k|bfg ePsf shf{x?nfO{ ;dfj]z gul/Psf] .

60 d]/f] a}+s – d]uf a}+s

cg';"rL — $=#)-s!_/sd ?= xhf/df

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

!=! hf]lvd efl/t ;DklQ s shf{ hf]lvd 9,26,53,47 5,88,53,52 v= ;~rfng hf]lvd 43,66,93 3,20,28,15 u= ahf/ hf]lvd 6,54,10 48,81 Pillar ll cGt/utsf] ;dfof]hg hf]8 M ^=$ -s_ -!)_ cg';f/ kof{Kt ;"rgf k|jfx gu/]afkt hf]lvd efl/t ;DklQsf] # k|ltzt hf]8 M ^=$ -s_ -^_ cg';f/ ckof{Kt t/n ;DklQ afkt s'n lgIf]ksf] =========== k|ltzt s'n hf]lvd efl/t ;DklQ -Pillar ll cGt{utsf] ;dfof]hg kl5_ 9,76,74,50 9,09,30,48 !=@ k'“hL sf]if

k|fylds k'“hL (Tier I) 1,78,19,71 1,71,17,98

s= r'Qmf k'FhL 1,63,10,00 1,63,10,00 v= Ol/l8d]jn gg\ So'Do'n]l6e lk|km/]G; z]o/ u= z]o/ lk|ldod 3= k|:tfljt af]g; z]o/ ª= ;fwf/0f hu]8f sf]if 1,92,38 48,65 r= ;l~rt gfkmf÷-gf]S;fg_ 7,52,58 1,94,59 5= rfn' cf=j=sf] gfkmf÷-gf]S;fg_ h= k'FhL lkmtf{ ;dfof]hg sf]if em= k'FhL ;dfof]hg sf]if `= nfef+z ;lds/0f sf]if 6= C0fkq e'QmfgL sf]if 7= cGo :jtGq sf]ifx? 8= k'FhLut hu]8f sf]if 5,64,75 5,64,75 36fpg] M s= Voflt afktsf] /sd v= ckn]vg gul/Psf ljljw ;DklQ u= Ohfht k|fKt ;+:yfdf ul/Psf] z]o/ nufgL 3= ljQLo :jfy{ /x]sf] sDkgLdf /x]sf] nufgL ª= ;LdfeGbf a9L nufgL r= k|Tofe"lt (Underwriting) cGtu{t ul/Psf] nufgL 5= kf/:kl/s qm; xf]lN8Ë h= cGo Pillar ll cGt/utsf] ;dfof]hg

36fpg] M ^=$ -s_ -!_ cg';f/ ckof{Kt Joj:yf 36fpg] M ^=$ -s_ -@_ cGt/ut ;DalGwt kIfnfO{ tyf lgif]lwt If]qdf k|jflxt shf{ ;'ljwf k'/s k'“hL (Tier II) 8,28,81 4,81,65 s= So'Do'n]l6e / l/l8d]jn lk|km/]G; z]o/ v= ;'/If0f g/flvPsf] ;xfos cfjlws C0f u= xfOla|8 k'FhL pks/0fx? 3= c;n shf{ gf]S;fgL Joj:yf 8,00,85 4,81,65 ª= ;6xL ;lds/0f sf]if 1,84 r= nufgL ;dfof]hg sf]if 5= ;DklQ k'gd"{NofÍg sf]if h= cGo sf]if 26,12 c= :yug s/ hu]8f 15,12 cf= k'FhLut hu]8f sf]if -:yL/ ;DklQaf6 k|fKt :yug cfo_ 11,01 s'n k'FhLsf]if 1,86,48,52 1,75,99,63 !=# k'“hLsf]if cg'kft

k|fylds k'“hL÷s'n hf]lvd efl/t ;DklQ (Tier I) 18=24Ü 18=83Ü k'“hLsf]if÷s'n hf]lvd efl/t ;DklQ (Tier I & Tier II) 19=09Ü 19=36Ü

k'“hLsf]if tflnsf #! cfiff9 @)^( -!% h'nfO{ @)!@_


cg';"rL — $=#) -v_

qm=;+= ;DklQ #! cfiff9, @)^( lstfaL ljz]if u0fgf v"b /sd hf]lvd hf]lvd v"b /sd hf]lvd

jf;nftleqsf]sf/f]af/ d"No Joj:yf ug{M;lsg] -3_≠ ef/∞ efl/t /sd efl/t

-s_ -v_ CRM-u_ -s–v–u_ -ª_ -r_≠-3Šª_ /sd ! gub df}Hbft 24,97,45 24,97,45 0Ü 15,99,14 @ g]kfn /fi6« a}+sdf /x]sf] df}Hbft 1,19,65,01 1,19,65,01 0Ü 27,14,82 # ;'g 0Ü $ g]kfn ;/sf/sf] C0fkqdf nufgL 87,42,46 87,42,46 0Ü 57,00,40 % g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfjL 0Ü ^ g]kfn /fi6« a+}s C0fkqdf ul/Psf] nufgL 0Ü & g]kfn /fi6« a+}s pk/sf] ;Dk"0f{ bfjL 0Ü * ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA rating 0-1) 0Ü ( ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating -2) 20Ü !) ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating -3) 50Ü !! ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating 4-6) 100Ü !@ ljb]zL ;/sf/ tyf s]Gb|Lo a+}s pk/sf] bfjL (ECA Rating-7) 150Ü !# BIS, IMF, ECB, EC / ax'kIfLo ljsf; a+}sx? pk/sf] bfjL 0Ü !$ cGo ax'klIfo ljsf; a+}sx? pk/sf] bfjL 100Ü !% ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating 0-1) 20Ü !^ ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating -2) 50Ü !& ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating 3-6) 100Ü !* ;fj{hlgs ;+:yf pk/sf] bfjL (ECA Rating-7) 29,95,00 29,95,00 150Ü 44,92,50 27,90,00 41,85,00 !( tf]lsPsf] k'FhLsf]if sfod ug]{ :jb]zL a+}s pk/sf] bfjL 42,36,02 42,36,02 20Ü 8,47,20 82,15,13 16,43,03 @) tf]lsPsf] k'FhLsf]if sfod gug]{ :jb]zL a+}s pk/sf] bfjL 8,42,18 8,42,18 100Ü 8,42,18 11,04,98 11,04,98 @! ljb]zL a+}s pk/sf] bfjL (ECA Rating 0-1) 16,61,65 16,61,65 20Ü 3,32,33 4,53,75 90,75 @@ ljb]zL a+}s pk/sf] bfjL (ECA Rating -2) 50Ü @# ljb]zL a+}s pk/sf] bfjL (ECA Rating 3-6) 13,33,16 13,33,16 100Ü 13,33,16 11,77,05 11,77,05 @$ ljb]zL a+}s pk/sf] bfjL (ECA Rating -7) 150Ü @% tf]lsPsf] kF'hLsf]ifdf ! k|ltzt eGbf al9n] k'FhLsf]if sfod 20Ü ug]{ SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL @^ :jb]zL ;+3 ;+:yf pk/sf] bfjL 5,47,46,83 3,36,68 5,44,10,15 100Ü 5,44,10,15 3,71,63,17 3,71,63,17 @& ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating 0-1) 20Ü @* ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating -2) 50Ü @( ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating 3-6) 100Ü #) ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA Rating -7) 150Ü #! pkef]Uo tyf ;fgf shf{ (Regulatory Retail 1,19,71,05 1,56,72 1,18,14,33 75Ü 88,60,75 50,06,29 37,54,71 Portfolio) -efvf ggf3]sf]_ #@ u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf 21,13,79 21,13,79 100Ü 21,13,79 ;fgf shf{ (Regulatory Retail Portfolio except for Granularity) ## cfjf;Lo 3/hUufaf6 ;'/lIft bfjL 16,70,75 16,70,75 60Ü 10,02,45 2,94,18 1,76,51 #$ cfjf;Lo 3/hUufaf6 k'0f{ ;'/lIft gePsf] bfjL 150Ü #% cfjf;Lo 3/hUufaf6 ;'/lIft bfjL -efvf gf3]sf]_ 100Ü #^ Jofkfl/s 3/hUufaf6 ;'/lIft bfjL 14,24,24 14,24,24 100Ü 14,24,24 #& e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL 7,90,24 3,42,01 4,48,23 150Ü 6,72,34 -cfjf;Lo 3/hUufaf6 ;'/lIft bfjL jfx]s_ #* pRr hf]lvdo'Qm bfjL 38,17,51 38,47 37,79,04 150Ü 56,68,55 24,68,27 37,02,41 #( :6s PS;r]Ghdf ;"rLs[t sDkgLsf] z]o/ / 100Ü cGo k'FhLut pks/0fdf ePsf] nufgL $) :6s PS;r]Ghdf ;'rLs[t gePsf] sDkgLsf] z]o/ 150Ü / cGo k'FhLut pks/0fdf ePsf] nufgL $! cGo ;DklQ 62,75,12 19,41,80 43,33,32 100Ü 43,33,32 37,69,04 37,69,04

hDdf 11,70,82,46 22,83,81 5,31,87 11,42,66,78 8,63,32,98 7,24,56,23 5,67,66,65

shf{ hf]lvd #! cfiff9 @)^( -!% h'nfO{ @)!@_ /sd ?= xhf/df

ut jif{sf]

62 d]/f] a}+s – d]uf a}+s

qm=;+= #! cfiff9, @)^( lstfaL ljz]if u0fgf ug{M v"b /sd hf]lvd hf]lvd v"b /sd hf]lvd

jf;nftaflx/sf]sf/f]af/ d"No Joj:yf ;lsg] -3_≠ ef/∞ efl/t/sd efl/t

-s_ -v_ CRM -u_ -s–v–u_ -ª_ -r_≠-3Šª_ /sd ! h'g;'s} a]nf lkmtf{ lng ;lsg] k|ltj4tf 0Ü @ laN; sn]S;g 6,51,84 6,51,84 0Ü 1,33,58 # clu|d ljlgdo ;Demf}tf 69,16 69,16 10Ü 6,92 $ ^ dlxgf eGbf sd cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 64,82,41 3,39,09 61,43,31 20Ü 12,28,66 16,78,39 3,35,68 ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) 20Ü ljb]zL sf/f]af/ kIf (counter party) (ECA -2) 50Ü ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) 100Ü ljb]zL sf/f]af/ kIf (counter party) (ECA -7) 150Ü % ^ dlxgf eGbf a9L cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 24,50,16 2,06,84 22,43,33 50Ü 11,21,66 2,89,53 1,44,77 ljb]zL sf/f]af/ kIf (counter party) (ECA 0 -1) 20Ü ljb]zL sf/f]af/ kIf (counter party) (ECA -2) 50Ü ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) 100Ü ljb]zL sf/f]af/ kIf (counter party) (ECA -7) 150Ü ^ la8 a08, k/km/d]G; a08, sfp06/ Uof/]G6L :jb]zL sf/f]af/ 24,96,62 2,62,15 22,34,47 50Ü 11,17,23 13,59,70 6,79,85 kIf ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) 20Ü ljb]zL sf/f]af/ kIf (counter party) (ECA -2) 50Ü ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) 100Ü ljb]zL sf/f]af/ kIf (counter party) (ECA -7) 150Ü & k|Tofe"lt (Underwriting) ;DaGwL k|lta4tf 50Ü * a}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? 100Ü (Lending of Bank's securities or posting of securities as collateral)

( k'gM v/Lb ;Demf}tf cGtu{tsf] shf{ 100Ü !) clu|d e'QmfgL hdfgt 5,22,23 27,64 4,94,60 100Ü 4,94,60 3,05,43 3,05,43 !! ljQLo hdfgt 100Ü !@ :jLsf/ tyf b/lk7 (Acceptance and 16,82,30 1,55,27 15,27,03 100Ü 15,27,03 1,34,92 1,34,92 Endorsements)

!# e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ 100Ü tyf ;'/If0f (Unpaid portion of partly paid

shares and securities)

!$ ckl/jTo{ shf{ k|lta4tf 5f]6f] cjlw 41,21,94 41,21,94 20Ü 8,24,39 24,31,14 4,86,23 !% ckl/jTo{ shf{ k|lta4tf nfdf] cjlw 50Ü !^ tf]lsPsf] k'FhLsf]ifdf ! k|ltzt eGbf a9Ln] k'FhLsf]if sfod 20Ü ug]{ SAARC If]]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL !& cGo ;Defljt bfloTjx? 100Ü !* e'QmfgLsf] nflu bfjL k/]sf hdfgt afktsf] ;+efljt bfloTj 200Ü hDdf 1,84,76,66 9,90,99 1,74,85,67 63,20,49 63,32,68 20,86,87 s'n shf{ hf]lvd 13,55,59,13 22,83,81 15,22,86 13,17,52,46 9,26,53,47 7,87,88,91 5,88,53,52 Pillar ll cGt/utsf] ;dfof]hg hf]8 M ^=$ -s_ -#_ cGtu{t k|lt u|fxs shf{ tyf ;'ljwf ;LdfeGbf a9L k|jflxt shf{ tyf ;'ljwfsf] !) k|ltzt hf]8 M ^=$ -s_ -$_ cGtu{t k'g :jLsf/ x'g]u/L laqmL ul/Psf shf{x?sf] ! k|ltzt s'n shf{ hf]lvd -Pillar ll cGt/utsf] ;dfof]hg kl5_ 13,55,59,13 22,83,81 15,22,86 13,17,52,46 9,26,53,47 7,87,88,91 5,88,53,52

shf{ hf]lvd #! cfiff9 @)^( -!% h'nfO{ @)!@_

cg';"rL — $=#) -v_

qmdz

/sd ?= xhf/df

ut jif{sf]


cg';"rL — $=#) -u_/sd ?= xhf/df

Credit Risk Mitigation (CRM) sf] nflu of]Uo /sd #! cfiff9 @)^( -!% h'nfO{ @)!@_

cfkm\gf]]] cGo ;'g ;/sf/ g]kfn cGo :jb]zL ljb]zL ljb]zL hDdf

a}+sdf a}+sdf tyf ;/sf/sf] b]zsf] a}+ssf] ax'klIfo a}+ssf]

jf;nft leqsf] sf/f]af/ /x]sf] /x]sf] g]kfn hdfgt ;/sf/sf] hdfgt ljsf; hdfgt

lgIf]k lgIf]k /fi6« a+}s hdfgt a}+sx?sf] tyf

hdfgt gub df}Hbft g]kfn /fi6« a}+sdf /x]sf] df}Hbft ;'g g]kfn ;/sf/sf] C0fkqdf u/]sf] nufgL g]kfn ;/sf/ pk/sf] ;Dk"0f{ bfjL g]kfn /fi6« a}+s C0fkqdf ul/Psf] nufgL g]kfn /fi6« a}+s pk/sf] ;Dk"0f{ bfjL ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 0-1) ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -2) ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -3) ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating 4-6) ljb]zL ;/sf/ tyf s]Gb|Lo a}+s pk/sf] bfjL (ECA rating -7) BIS, IMF, ECB,EC / ax'klIfo ljsf; a}+sx? pk/sf] bfjL cGo ax'klIfo ljsf; a}+sx? pk/sf] bfjL ;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 0-1) ;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating -2) ;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating 3-6) ;fj{hlgs ;+:yf pk/sf] bfjL (ECA rating -7) tf]lsPsf] kF'hLsf]if sfod ug]{ :jb]zL a}+s pk/sf] bfjL tf]lsPsf] k'FhLsf]if sfod gug]{ :jb]zL a}+s pk/sf] bfjL ljb]zL a}+s pk/sf] bfjL (ECA Rating 0-1) ljb]zL a}+s pk/sf] bfjL (ECA Rating -2) ljb]zL a}+s pk/sf] bfjL (ECA Rating 3-6) ljb]zL a}+s pk/sf] bfjL (ECA Rating 7) tf]lsPsf] k'FhLsf]ifdf ! k|ltzt eGbf a9Ln] k'FhLsf]if sfod ug]{SAARC If]qleq :yfkgf ePsf ljb]zL a}+s pk/sf] bfjL :jb]zL ;+3 ;+:yfx? pk/sf] bfjL 3,36,68 3,36,68ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating 0-1) ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating -2) ljb]zL ;+3 ;+:yfx?p k/sf] bfjL (ECA rating 3-6) ljb]zL ;+3 ;+:yfx? pk/sf] bfjL (ECA rating -7) pkef]Uo tyf ;fgf shf{ (Regulatory Retail 1,56,72 1,56,72 Portfolio) efvf ggf3]sf]pkef]Uo tyf ;fgf shf{ (Regulatory Retail]

Portfolio) efvf gf3]sf u|fg'nfl/6L ;Ldf afx]s cGo zt{ kfngf u/]sf] pkef]Uo tyf ;fgf shf{ (Regulatory Retail Portfolio except Granularity)

cfjfl;o 3/hUufaf6 ;'/lIft bfjLcfjf;Lo 3/hUufaf6 k'0f{ ;'/lIft gePsf] bfjLcfjf;Lo 3/hUufaf6 ;'/lIft bfjL -efvf gf3]sf]_ Jofkfl/s 3/hUufaf6 ;'/lIft bfjL e'QmfgL cjlw ;dfKt eO{;s]sf] bfjL -cfjf;Lo 3/hUufaf6 ;'/lIft bfjL afx]s_ pRr hf]lvdo'Qm bfjL 38,47 38,47 :6s PS;r]Ghdf ;'rLs[t sDkgLsf] z]o/ / cGo k'FhLut pks/0fdf ePsf] nufgL:6s PS;r]Ghdf ;'rLs[t gePsf] sDkgLsf] z]o// cGo k'FhLut pks/0fdf ePsf] nufgL cGo ;Dklt hDdf 5,31,87 5,31,87

64 d]/f] a}+s – d]uf a}+s

/sd ?= xhf/dfqmdz

cfkm\gf]]] cGo ;'g ;/sf/ g]kfn cGo :jb]zL ljb]zL ljb]zL hDdf

jf;nft jflx/sf] sf/f]af/ a}+sdf a}+sdf tyf ;/sf/sf] b]zsf] a}+ssf] ax'klIfo a}+ssf]

/x]sf] /x]sf] g]kfn hdfgt ;/sf/sf] hdfgt ljsf; hdfgt

lgIf]k lgIf]k /fi6« a+}s hdfgt a}+sx?sf] tyf

hdfgt h'g;'s} a]nf lkmtf{ lng ;lsg] k|lta4tf laN; sn]S;g clu|d ljlgdo ;Demf}tf ^ dlxgf eGbf sd cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 3,39,09 3,39,09ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) ljb]zL sf/f]af/ kIf (counter party) (ECA -2) ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) ljb]zL sf/f]af/ kIf (counter party) (ECA -7) ^ dlxgf eGbf a9L cjlwsf] k|ltt–kq :jb]zL sf/f]af/ kIf 2,06,84 2,06,84ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) ljb]zL sf/f]af/ kIf (counter party) (ECA -2) ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) ljb]zL sf/f]af/ kIf (counter party) (ECA -7) la8 a08, k/km/d]G; a08, sfp06/ Uof/]G6L :jb]zL sf/f]af/ kIf 2,62,15 2,62,15ljb]zL sf/f]af/ kIf (counter party) (ECA 0-1) ljb]zL sf/f]af/ kIf (counter party) (ECA -2) ljb]zL sf/f]af/ kIf (counter party) (ECA 3-6) ljb]zL sf/f]af/ kIf (counter party) (ECA -7) bfjL k/]sf] tyf e'QmfgL gul/Psf] hdfgt k|Tofe"lt (Underwriting Commitments) ;DaGwL k|lta4tf a}+saf6 ;'/If0fsf] ?kdf k|bfg ul/Psf hdfgtx? (Lending of

Bank's Securities or Posting of securities as collateral) k'gM v/Lb ;Demf}tf cGtu{tsf] shf{ clu|d e'QmfgL hdfgt 27,64 27,64ljQLo hdfgt :jLsf/ tyf b/lk7 (Acceptance and Endorsements) 1,55,27 1,55,27e'QmfgL gul/Psf] efu tyf cf+lzs e'QmfgL ul/Psf] z]o/ tyf ;'/If0f(Unpaid portion of Partly paid shares and Securities) ckl/jTo{ shf{ k|lta4tf 5f]6f] cjlw ckl/jTo{ shf{ k|lta4tf nfdf] cjlw tf]lsPsf] k'FhLsf]ifdf ! k|ltzt eGbf a9Ln] k'FhLsf]if sfod ug]{ SAARC If]]qleq :yfkgf ePsf ljb]zL a}+spk/sf] bfjL cGo ;Defljt bfloTjx? hDdf 9,90,99 9,90,99s'n shf{ hf]lvd 15,22,86 15,22,86

Credit Risk Mitigation (CRM) sf] nflu of]Uo /sd #! cfiff9 @)^( -!% h'nfO{ @)!@_


cg';"rL — $=#)-3_

ljj/0f @)^( cfiff9 d;fGtsf] cl3Nnf jif{x? o; jif{ ut jif{

@)^&÷^* @)^^÷^& @)^%÷^^

v"b Aofh cfDbfgL 24,34,55 sldzg tyf l8:sfp06 66,09 cGo ;~rfng cfDbfgL 2,73,80 ;6xL 36a9 cfDbfgL 74,57 o; jif{sf] yk Aofh d'NtjL lx;fa 62,27 s'n cfDbfgL -s_ 29,11,29 tf]lsPsf] k|ltzt -v_ 15Ü 15Ü 15Ü tf]lsPsf] k|ltztn] x'g] s'n cfDbfgL -u_Ö-s_Š-v_ 4,36,69 4,36,69;~rfng hf]lvdsf] nflu cfjZos k'FhL -3_Ö-u_ sf] cf}ift 4,36,69hf]lvd ef/ (Reciprocal of capital requirement) -ª_ 10 ;~rfng hf]lvdsf] nflu hf]lvd ef/Lt /sd -r_Ö-3_Š-ª_ 43,66,93Pillar ll cGtu{tsf] ;dfof]hg ^=$ -c_ -*_ cg';f/ ut tLg jif{sf] s'n cfDbfgL C0ffTds ePdf s'n shf{ tyf nufgL -ljz]if Joj:yfsf] ;dfof]hg kl5_ 6,40,56,31;~rfng hf]lvdsf] nflu cfjZos k'FhL -%Ü_ 32,02,82hf]lvd ef/ (Reciprocal of capital requirement of 10%) -5_ 10;~rfng hf]lvdsf] nflu hf]lvd efl/t /sd -h_ 43,66,93 3,20,28,15

;~rfng hf]lvd #! cfiff9 @)^( -!% h'nfO{ @)!@_ /sd ?= xhf/df

cg';"rL — $=#)-ª_

#! cfiff9 @)^( #@ cfiff9 @)^*

qm=;+= ljj/0f ljb]zL d'b|fsf] ljb]zL d'b|fsf ljb]zL d'b|fsf] ljb]zL d'b|fsf]

v"b cj:yf v"b cj:yf ;fGble{s v"b ;fGble{s v"b

-lj=d'=_ -g]=?=_ cj:yf -g]=?=_ cj:yf -g]=?=_

! cd]l/sL 8n/ 9,64 8,50,47 8,50,47 9,41 @ kfpG8 :6ln{ª -1,38_ -1,90,08_ 1,90,08 18,64 # o'/f] -1,77_ -1,91,65_ 1,91,65 20,67 $ Sofg]l8og 8n/ 2 1,71 1,71 0 % c:6]«lnog 8n/ 11 9,77 9,77 1,19 ^ hfkfgL og -25,43_ -28,33_ 28,33 21,68 & l:j; k|}mÍ 0 0 0 52 * lrlgof o'cfg 0 6 6 0 ( 8]lg; qmf]g/ 0 0 0 0 !) xªsË 8n/ 1 14 14 0 !! ef/tLo ?k}Fof 4,89 7,82 7,82 23,44 !@ stf/L l/ofn 2 51 51 1,46 !# ;fpbL c/a l/ofn 8 1,84 1,84 44 !$ l;Ëfk'/ 8n/ 35 24,69 24,69 0 !% l:jl8; qmf]g/ 0 0 0 0 !^ ;+o'Qm c/a Old/]6 lb/fd 4 94 94 14 !& dn]l;og l/lË6 0 8 8 3 !* yfO{ ef6 3 10 10 0 !( sf]l/og jf]g 0 0 0 0 Total Open Position -s_ -13,38_ 13,08,19 97,61 tf]lsPsf] k|ltzt -v_ 5Ü 5Ü ahf/ hf]lvdsf] nflu cfjZos kF'hL -u_Ö-s_Š-v_ 65,41 4,88 hf]lvd ef/ (Reciprocal of capital requirement) -3_ -!))÷!)_ 10=00 10=00 10 ahf/ hf]lvdsf] nflu hf]lvd efl/t /sd -ª_Ö-u_Š-3_ 6,54,10 48,81

ahf/ hf]lvd #! cfiff9 @)^( -!% h'nfO{ @)!@_ /sd ?= xhf/df

66 d]/f] a}+s – d]uf a}+s

cg';"rL — $=#$cg';"rL — $=#!

qm=;+= ljj/0f ;"rsf° cf=j=@)^&÷^* cf=j=@)^*÷^(

1 v"b gfkmf÷s'n cfDbfgL k|ltzt k|ltzt 8=54 15=25 2 k|lt z]o/ cfDbfgL ?= 1=49 4=41 3 k|lt z]o/ ahf/ d"No ?= 4 d"No cfDbfgL cg'kft (PE Ratio) cg'kft 5 z]o/ k'FhLdf nfef+z -af]g; ;lxt_ k|ltzt 6 z]o/ kF'hLdf gub nfef+z e'QmfgL k|ltzt & Aofh cfDbfgL÷shf{ tyf ;fk6 k|ltzt 14=59 13=84 8 sd{rf/L vr{÷s'n ;~rfng vr{ k|ltzt 41=00 38=76 9 s'n lgIf]k tyf ;fk6Ldf Aofh vr{ k|ltzt 10=26 8=49 10 ;6xL 36a9 cfDbfgL÷s'n cfDbfgL k|ltzt 2=62 5=87 11 sd{rf/L af]g;÷s'n sd{rf/L vr{ k|ltzt 4=27 9=11 12 v"b gfkmf÷shf{ ;fk6 k|ltzt 0=79 0=96 13 v"b gfkmf÷s'n ;Dklt k|ltzt 0=51 0=66 14 s'n shf{÷lgIf]k k|ltzt 89=63 87=55 15 s'n ;~rfng vr{÷s'n ;Dklt k|ltzt 4=18 2=68 16 hf]lvd efl/t ;DklQdf k'FhLsf]ifsf] kof{Kttf k|fylds k'FhL k|ltzt 18=83 18=24 k'/s kF'hL k|ltzt 0=53 0=85 s'n k'FhL sf]if k|ltzt 19=36 19=09 17 t/ntf (CRR) k|ltzt 5=18 13=65 18 lgliqmo shf{÷s'n shf{ k|ltzt 0=49 19 Aofh b/ cGt/ (Weighted Average Interest Rate Spread) k|ltzt 2=84 3=31 20 a's g]6jYf{{ ?== 1,71,17,98,053 1,78,47,66,699 21 s'n z]o/ ;+Vof 1,63,10,000 1,63,10,000 22 s'n sd{rf/L ;+Vof 103 161

k|d'v ;"rsf°x?


k|d'v n]vf gLltx?cg';"rL — $=#@

!= ;fdfGo hfgsf/Lsf7df08f} dxfgu/kflnsf jf8{ g+= ! sflGtky l:yt /lhi68{ sfof{no /x]sf] d]uf a}+s g]kfn lnld6]8 ;Lldt bfloTj /x]sf] a}+lsË sf/f]af/ ug]{ g]kfnL sDkgL xf] . of] a}+s sDkgL /lhi6«f/sf] sfof{nodf @)^& j}zfv % ut] btf{ ePsf] tyf a}+lsË sf/f]af/ ;~rfng ug{ …sÚ ju{sf] ljQLo ;+:yfsf] ?kdf g]kfn /fi6« a}+saf6 @)^& >fj0f $ ut] :jLs[t kfPsf] ;+:yf xf] . a}+sn] @)^& >fj0f & ut] b]lv sf/f]af/ k|f/De u/]sf] xf] . a}+ssf] k|d'v ultljlwx?df a}+ssf] k|wfg sfof{no, zfvf sfof{no, Pl6Pd tyf zfvf /lxt a}+lsË s]Gb|x?sf] dfWodaf6 cfkm\gf u|fxsx?nfO{ Ph]G;L ;]jf, 6««]8 kmfOgfG; ;]jf, O{sd;{ ;]jf, ;'g÷rfFbL Jofkf/ nufot ;Dk"0f{ jfl0fHo a}+lsË ;]jfx? k|bfg ug]{ /x]sf 5g\ . a}+ssf] ;~rfns ;ldltn] ldlt @)^( cflZjg !* ut] o;} ;fy ;+nUg ljQLo ljj/0fx? :jLs[t ug'{sf ;fy} a}+ssf] ljQLo ljj/0fx? tof/ kfg]{ lhDd]jf/L ;d]t :jLsf/ u/]sf] 5 .

@= cg'kfngf ;DaGwL k|ltj4tfpNn]v ul/Psf ckjfbx? afx]s ljQLo ljj/0fx? g]kfn n]vfdfg, a}+s tyf ljQLo ;+:yf ;DaGwL P]g @)^#, g]kfn /fi6« a}+ssf] lgb]{zg, sDkgL P]g @)^# tyf ;fGble{s k|rngx?nfO{ cfwf/ dfgL tof/ kf/LPsf 5g\ .

#= n]vf°gsf] cfwf/ljb]zL d'b|f afx]ssf ljQLo ljj/0fx? P]ltxfl;s nfutsf] cfwf/df tof/ kf/LPsf 5g eg] ljj/0fx? lgs6td g]kfnL ?k}+ofdf kl/jt{g u/L k|:t't ul/Psf 5g\ . g]kfn n]vfdfg cg'?k ljQLo ljj/0f tof/ kfbf{ s]xL dxTjk'0f{ n]vf cg'dfg ug'{kg]{ ePsf] tyf n]vf gLltx? nfu" ug]{ qmddf Joj:yfkgn] :jljj]ssf] klg k|of]u ug'{kg]{ ePsf]n] ;f]xL cg'?k ul/Psf] 5 . o;/L ul/Psf cg'dfgx? eljiodf km/s k/]sf] v08df ;f]xL ;dosf] ljQLo ljj/0fdf n]vfÍg ul/g]5 .

$= k|d'v n]vf gLltx?a}+ssf] ljQLo ljj/0fx? tof/ ug{ lgDg adf]lhdsf k|d'v n]vf gLltx? ckgfOPsf 5g\ . pNn]lvt ckjfbx? afx]s oL gLltx?sf] kfngf lg/Gt/ ?kdf ul/b} cfOPsf] 5 .

$=! cfocfodf Aofh cfDbfgL, kmL tyf sldzg, ljb]zL ljlgdo cfDbfgL, sf8{ cfDbfgL, lg;u{af6 k|fKt nfe cflbnfO{ ;dfj]z ul/Psf] 5 . a}+snfO{ cfly{s nfe k|fKt x'g]

;Defjgf Pj+ ljZj;gLotfsf ;fy dfkg ug{ ;lsg] cfwf/ ePsf] cj:yfdf dfq cfonfO{ n]vfÍg ul/Psf] 5 .

s= Aofh cfDbfgLg]kfn /fi6« a}+ssf] lgb]{zg÷kl/kq adf]lhd shf{ tyf ;fk6Ldf cflh{t Aofh cfDbfgLnfO{ gub k|fKtLsf] cfwf/df n]vfÍg ul/Psf] 5 h'g g]kfn n]vfdfgsf] l;4fGt cg'?k 5}g . oBlk k|efjsf/L Aofh u0fgf ljlw adf]lhd kfs]sf] cfwf/df AofhnfO{ cfDbfgLdf n]vfÍg ug]{ g]kfn n]vfdfgsf] l;4fGt eGbf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd a}+sn] ckgfPsf] ljlw cem ;ÍL0f{ 5 .

nufgL tyf sd{rf/L cfjf; shf{df cflh{t Aofh cfDbfgLnfO{ kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 .

v= sldzg cfDbfgLPs jif{eGbf a9L cjlwsf] a}+s hdfgt afkt k|fKt x'g] ?= ! nfv eGbf a9Lsf] sldzgnfO{ hdfgtsf] cjlwe/ kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 eg] cGosf] xsdf ;DalGwt hdfgtkq hf/L u/]s} ;do cfDbfgLdf n]vfÍg ul/Psf] 5 .

u= ljb]zL ljlgdo sf/f]af/ljb]zL d'b|fsf] ;DklQ tyf bfloTjx?nfO{ jf;nftsf] ldltdf sfod /x]sf] ljlgdo b/sf] cf}ift -vl/b tyf laqmL_ b/n] g]kfnL ?k}ofFdf ?kfGt/0f ul/Psf] 5 . ljb]zL d'b|fsf] ;DklQ tyf bfloTjx?nfO{ g]kfnL ?k}ofFdf ?kfGt/0f ubf{ pTkGg ePsf] v"b km/snfO{ k'g{d"NofÍg cfDbfgL÷gf]S;fgLdf n]vfÍg ul/Psf] 5 . o;/L k|fKt cfDbfgLsf] @%Ü /sdnfO{ gfkmf gf]S;fg afF8kmfF8 lx;faaf6 /sdfGt/ u/L ;6xL 36a9 sf]ifdf ;fg]{ ul/Psf] 5 eg] k'g{d"NofÍg gf]S;fgLnfO{ ;f]em} gfkmf gf]S;fg lx;fadf vr{ n]Vg] ul/Psf] 5 .

ljb]zL d'b|fsf] vl/b b/ / laqmL b/sf] leGgtfaf6 k|fKt cfo b}lgs ?kdf n]vfÍg u/L ;6xL 36a9 cfDbfgLdf b]vfOPsf] 5 .

$=@= Aofh vr{lgIf]k tyf ;fk6Lsf] Aofh bfloTjnfO{ kfs]sf] cfwf/df n]vfÍg u/L vr{ hgfOPsf] 5 .

$=#= shf{ ;fk6 tyf lan vl/b shf{ ;fk6 tyf lan vl/b zLif{s cGtu{t u|fxsnfO{ k|ToIf ?kdf k|bfg ul/Psf shf{x? kb{5g\ h;dWo]

68 d]/f] a}+s – d]uf a}+s

cNksfnLg shf{, cfjlws shf{, xfo/ kr]{h shf{, pkef]Qmf shf{, vl/b tyf l8:sfp06 ul/Psf lanx? / k|fylds tyf ljkGg ju{ shf{ kb{5g\ . oL ;DklQx? g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd juL{s/0f ul/Psf 5g . jf;nftdf shf{ ;fk6 tyf lan vl/bnfO{ gf]S;fgL Joj:yf kl5sf] v"b /sddf k|:t't ul/Psf] 5 .

$=$= sd{rf/L shf{ tyf k]ZsLa}+ssf] gLlt cg';f/ k|bfg ul/Psf] sd{rf/L shf{ tyf k]ZsL -kfs]sf] Aofh ;d]t_ nfO{ cGo ;DklQ zLif{s cGtu{t n]vfÍg ul/Psf] 5 .

$=%= shf{ gf]S;fgL Joj:yf lgl:qmo shf{sf] nflu gf]S;fgL Joj:yf sfod ubf{ Joj:yfkgn] g]kfn /fi6« a}+sn] tf]s]sf] Go'gtd cfjZostfnfO{ Wofgdf /flv ;DalGwt shf{sf] ;Defljt Ifltsf] cfsf/sf] cfwf/df ug]{ u/]sf] 5 . g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{, ;fk6, clwljsif{ tyf lan vl/bnfO{ juL{s/0f u/L !Ü b]lv !))Ü ;Dd shf{ gf]S;fgL Joj:yf sfod ul/Psf] 5 .

$=^= shf{ tyf ;fk6Lsf] ckn]vgckn]vgsf] k|s[of lglb{i6 ug]{ a}+ssf] shf{ ckn]vg ljlgodfjnL /x]sf] 5 . c;'nL tkm{sf] a}+ssf] clwsf/df k|lts"n k|efj gkg]{ u/L g]kfn /fi6« a}+ssf] lgb]{lzsfsf] kfngf ub}{ ;f] ljlgodfjnLsf] clwgdf /xL shf{ tyf ;fk6Lsf] ckn]vg ug]{ gLlt a}+sn] lnPsf] 5 . ;dLIff jif{df s'g} klg shf{ ckn]vg ul/Psf] 5}g . v/fa shf{ ckn]vg u/] nuQ} Ifltafkt sfod ul/Psf] Joj:yf k'gn]{vg ul/G5 . ckn]vg ul/Psf shf{x?df e'QmfgL k|fKt ePdf pk/f]Qm adf]lhd k|fKt /sdnfO{ gfkmf gf]S;fg lx;fadf n]vfÍg u/L cfDbfgL hgfOG5 .

$=&= nufgL;'/If0fkqdf ul/Psf] nufgLnfO{ z'? nfut d"Nodf n]vfÍg ul/Psf] 5 . nfut d"Nodf vl/b d"No tyf vl/b;+u cfa¢ cGo nfut ;dfj]z ul/Psf] 5 . nufgLnfO{ Jofkfl/s nufgL (Held for Trading), e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) tyf laqmLsf] nflu pknAw nufgL (Available for Sale) df juL{s/0f u/L g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd n]vfÍg ul/Psf] 5 .

e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) M e'QmfgL ldlt;Dd wf/0f ug]{ ;sf/fTds dg;fo / e'QmfgL ldlt;Dd wf/0f ug{ ;Sg] Ifdtf eO{ ul/Psf nufgL o; ju{df kb{5g . o; lsl;dsf nufgLnfO{ nfut d"No jf ckn]lvt nfutdf d"NofÍg ul/Psf] 5 .

Jofkfl/s nufgL (Held for Trading) M cNksfndf d"Nodf x'g] kl/jt{gaf6 gfkmf cfh{g ug]{ p2]Zon] ul/Psf nufgL o; ju{df kb{5g .

laqmLsf] nflu pknAw nufgL (Available for Sale) M Jofkfl/s nufgL / e'QmfgL ldlt;Dd wf/0f ug]{ nufgL cGtu{t gkg]{ ;Dk"0f{ nufgLx? o; ju{df kb{5g eg] o:tf nufgLx?sf] d"NofÍg k/n d"No jf ahf/ d"No dWo] h'g sd 5 ;f]df ul/Psf] x'G5 . g]kfn /fi6« a}+sn] z]o/df nufgL ug{ ljz]if d~h'/L lbPsf] cj:yfdf afx]s o; ju{df kg]{ cGo nufgLsf] @Ü /sdn] nufgL ;dfof]hg sf]if >[hgf ul/G5 .

;dLIff cjlw;Dd a}+ssf] ;Dk"0f{ nufgL e'QmfgL ldlt;Dd wf/0f ug]{ nufgL (Held to Maturity) cGtu{t juL{s/0f ul/Psf] 5 eg] nufgL] Ps ;d'xaf6 csf]{ ;d"xdf k'gj{uL{s/0f ul/Psf] 5}g .

;Dk"0f{ nufgL g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ k'g/fjnf]sg ug]{ ul/Psf] 5 .

$=*= :yL/ ;DklQ tyf x|f; vr{nfut d"Nodf ;l~rt x|f;s§L s6fP/ :yL/ ;DklQsf] n]vfÍg ul/Psf] 5 . :yL/ ;DklQ vl/b;Fu ;DalGwt k|ToIf vr{x? nfut d"Nodf ;dfj]z ul/Psf 5g\ .

;jf/L ;fwg, kmlg{r/, sfof{no pks/0f tyf sDKo'6/ pks/0fx?sf] 36\bf] x|f;s§Lb/ k|0ffnL adf]lhd x|f;s§L ul/Psf] 5 / o; cfly{s jif{sf] x|f; vr{nfO{ gfkmf gf]S;fg lx;fadf n]vfÍg ul/Psf] 5 .

;DklQx?sf] pkof]lutfsf] cfwf/df Joj:yfkgn] cfo'sf] cg'dfg u/L lgDgadf]lhd x|f;s§L b/x? lgwf{/0f u/]sf] 5 .

ljj/0f x|f;sf b/ -Ü_ kmlg{r/ tyf lkmS;r/ @% ;jf/L ;fwg @)sfof{no pks/0f @%sDKo'6/ ;fdfu|Lx? @%cGo l:y/ ;DklQdf !%ejg %

;DklQ vl/b ul/Psf] ldlt jf k|of]u ePsf] ldlt h'g kl5 x'G5 ;f] ldltb]lv u0fgf ug]{ u/L x|f;s§L vr{ ul/Psf] 5 .


lnhxf]N8 ;DklQnfO{ clwQmd % jif{df kl/zf]wg x'g] u/L n]vfÍg ul/Psf] 5 / cg';"rL @$ sf] ckn]vg vr{ lzif{sdf b]lvOPsf] 5 .

Ps jif{ eGbf sd pkof]uL cfo' ePsf / ?= !),))) eGbf sd df]n ePsf j:t'x?nfO{ vl/b ul/Ps} jif{df vr{ hfgfOPsf] 5 . t/ k'FhLut k|s[ltsf ?=#,))) eGbf al9 df]n ePsf j:t'nfO{ pkof]uL cfo'sf] cfwf/df :yL/ ;DklQ lzif{sdf n]vfÍg ul/Psf]] 5 .

7]s]bf/x?nfO{ k|bfg ul/Psf] k]ZsL e'QmfgL tyf k|of]udf gcfO;s]ssf ;DklQx?nfO{ Capital Work In Progress lzif{s cGtu{t n]vfÍg ul/Psf] 5 .

a}+sn] ;km\6j]o/nfO{ vl/b u/]sf] % jif{df kl/zf]wg ug]{ u/L n]vfÍg u/]sf] 5 eg] nfO{;]G; k|fKt u/]sf] cj:yfdf nfO{;]G; cjlw leq kl/zf]wg ug]{ u/L n]vfÍg u/]sf] 5 .

$=(= n3'ljQ a}+lsË sfo{qmdsf] lgldQ k|fKt cg'bfg zfvf /lxt s]Gb|sf] dfWodaf6 a}+ssf] n3'ljQ a}+lsË sfo{qmdnfO{ ;xof]u k|fKt ug{sf] lgldQ a}+sn] Nepal Economic, Agriculture and Trade (NEAT) Activity sf] cfof]hgf cGtu{t Chemonics International Inc. ;+u cg'bfg ;Demf}tf u/]sf] 5 h;af6 a}+snfO{ k|fKt :yL/ ;DklQ tyf vr{sf] zf]wegf{ g]kfn n]vfdfg – !) (NAS - 10) adf]lhd ul/Psf] 5 . vr{ tkm{sf] zf]wegf{nfO{ ;f]lx cjlwdf hgfOPsf] ;DalGwt cfDbfgLdf Net off ul/Psf] 5 eg] :yL/ ;DklQ vl/bsf] zf]wegf{nfO{ :yL/ ;DklQsf] Carrying Amount n] k'FhLut hu]8f v8f u/L n]vfÍg ul/Psf] 5 .

$=!)= lnh ef8fa}+sn] sfof{no ejgsf] lgldQ u/]sf] s/f/ ;~rfng lnh xf] / ;DalGwt k|of]hgsf] e'QmfgLnfO{ cGo ;~rfng vr{ cGtu{tsf] 3/ef8f lzif{sdf n]vfÍg ul/Psf]5 .

$=!!= cjsfz ;'ljwfsd{rf/Lx?nfO{ k|bfg ul/g] pkbfg tyf ;~ro sf]ifdf a}+ssf] of]ubfg bfloTjnfO{ a}+ssf] gLlt adf]lhd kfs]sf] cfwf/df n]vfÍg ul/Psf] 5 . ;~ro sf]ifdf hDdf x'g] /sd -sd{rf/L tyf a}+s b'j}sf] of]ubfg_ nfO{ a}+s Joj:yfkg eGbf cnUu} :jLs[t cjsfz sf]ifdf hDdf ul/Psf] 5 .

a}+sn] @)^( cfiff9 d;fGt;Dddf ;l~rt ePsf] labf afktsf] bfloTjnfO{ Joj:yf u/L gfkmf gf]S;fg lx;fadf n]vfÍg u/]sf] 5 .

$=!@= cfos/ vr{x?Rffn' cfos/cfos/ P]g @)%* tyf ;+zf]lwt lgodx?sf] Joj:yf adf]lhd Rffn' cfos/sf] Joj:yf ul/Psf]5 .

:yug cfo s/g]kfn n]vfdfg – ( cfos/ cg';f/ ;DklQ tyf bfloTjsf] s/ cfwf/ / ljlQo ljj/0fdf n]vfÍg ePsf] /sd ljr ;[hgf ePsf] c:yfoL km/s /sddf cfos/ P]g @)%* cg';f/sf] b/df :yug s/sf] Joj:yf ul/Psf] 5 . :yug s/ u0fgf ubf{ jf;nftsf] ldltdf nfu" ePsf] s/sf] b/nfO{ cfwf/ dfgL ;DalGwt :yug s/ ;DklQ tyf bfloTj km5\of}{6 ubf{sf] jvt nfu" ug{;Sg] u/L u0fgf ul/G5 . c:yfO{ km/s l:y/ ;DklQdf x|f;, pkbfg tyf ljbfafktsf] Joj:yfsf] sf/0fn] ;[hgf ePsf] 5 .

:yug s/ ;DklQnfO{ eljiodf x'g] s/of]Uo cfodf bfaL ug{ ;lsg] kof{Kt ljZj;gLo cfwf/ ePdf dfq ;DklQsf] ?kdf n]vfÍg ul/G5 .

;Dk"0f{ s/of]Uo c:yfoL km/sx?sf] nflu :yug s/ bfloTj sfod ul/G5 .

g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd s'n :yug s/ ;DklQ a/fa/sf] /sdnfO{ gfkmf gf]S;fg afF8kmfF8 lx;faaf6 :yug s/ sf]ifdf /sdfGt/ ul/Psf] 5 .

$=!#= d;nGb d;nGb df}HbftnfO{ k/n df]ndf n]vfÍg ul/Psf] 5 / FIFO cfwf/df pkef]u u/L vr{ hgfOPsf] 5 . jf;fnft ldltdf d;nGb df}HbftnfO{ k/n df]n jf k|fKt ug{ ;lsg] v"b d"No dWo]sf] sd d"Nodf dfkg ul/G5 .

$=!$= u}/ a}+lsË ;DklQ u}/ a}+lsË ;DklQsf] d"NofÍg ubf{ lwtf]sf] k|rlnt ahf/ d"No jf lwtf] ;sf/ ul/g] cl3Nnf] lbg ;Ddsf] ;Dk"0f{ n]gf /sd dWo] h'g sd x'G5 ;f]xLdf ul/G5 . ;sf/ ul/Psf] lwtf]sf] ahf/ d"No s'n n]gf /sd eGbf sd ePsf] v08df sd ePsf] /sd ;sf/ u/]s} cfly{s jif{sf] gfkmf gf]S;fg lx;fadf vr{ n]lvG5 . u}/ a}+lsË ;DklQsf] lg;u{ geP ;Dd zt k|ltzt gf]S;fgL Joj:yf sfod ul/G5 eg] lg;u{ kZrft u}/ a}+lsË ;DklQaf6 x6fO{G5 . oBlk ;dLIff cjlw ;Dd a}+ssf] u}/ a}+lsË ;DklQ eg] 5}g .

70 d]/f] a}+s – d]uf a}+s

$=!%= sd{rf/L af]g; Joj:yf sd{rf/L af]g; Joj:yf af]g; P]g, @)#) cg';f/ ul/Psf] 5 .

$=!^= cGo Joj:yf, ;Defljt bfloTj tyf ;Defljt ;DklQa}+sn] ljutsf] 36gfqmdaf6 pTkGg eP cg';f/ bfloTj lg;u{ ug{sf nflu cfly{s nfe x'g] >f]t aflxl/g] ;Defjgf /x]sf] tyf bfloTj dfkg ug{ ;lsg] kof{Kt ljZj;gLo cfwf/ ePsf] cj:yfdf cfjZos Joj:yf ug]{ u/]sf] 5 . o;/L sfod ul/Psf] Joj:yf /sd k|To]s jf;nft ldltdf cg'udg u/L xfnnfO{ pko'Qm cg'dfg cg';f/ n]vfÍg ug]{ ul/Psf] 5 . bfloTj lg;{usf nflu cfly{s nfe x'g] >f]t aflxl/g] ;Defjgf g/x]df sfod ul/Psf] Joj:yf /sdnfO{ ;dfof]hg ul/G5 . pNn]lvt afx]s olsg ePsf] ;a} ;f/e"t bfloTjx?sf] lgldQ cfjZos Joj:yf ul/Psf] 5 tyf eljiodf lglZrt ?kdf bfloTj olsg x'g g;s]sf] t/ ;f/e"t bfloTjx?nfO{ ;Defljt bfloTj cGtu{t b]vfOPsf] 5 .

;a} k|tLtkq, a}+s hdfgt tyf km¥jf8{ PS;r]~h sG6«ofS6 afktsf bfloTjx? g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ;Defljt bfloTj cGtu{t b]vfOPsf] 5 .

a}+sn] ;Defljt ;DklQsf] n]vfÍg gu/]tf klg 36gfqmdsf] cg'udg u/L ljQLo ljj/0fdf plrt lrq0f eg] ug]{ u/]sf] 5 .

$=!&= ;DklQsf] Ifo afktsf] Joj:yfa}+sn] x/]s k|ltj]bg ldltdf a}+ssf] s'g} ;DklQdf Ifo x'g ;Sg] ;+s]t eP gePsf] cg'udg ug]{ ub{5 . Ifo x'g ;Sg] ;+s]t ePsf] cj:yfdf ;DalGwt ;DklQaf6 c;'n ug{ ;lsg] /sdsf] cg'dfg ul/G5 . ;DklQsf] lstfaL d"No c;'n ug{ ;lsg] /sd eGbf a9L ePdf ;f] ;DklQsf nflu Ifo gf]S;fgLsf] xb;Dd gfkmf gf]S;fg lx;fadf n]vfÍg ul/G5 .

$=!*= nfef+z tyf k|:tfljt af]g; z]o/a}+sn] ;~rfns ;ldltaf6 k|:tfj u/] adf]lhdsf] k|:tfljt nfef+z tyf af]g; z]o/ g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ ljQLo ljj/0fdf n]vfÍg ug]{ gLlt ckgfPsf] 5 . ;dLIff jif{df a}+sn] s'g} nfef+z tyf af]g; z]o/ k|:tfj u/]sf] 5}g .


n]vf ;DaGwL l6Kk0fLx?cg';"rL — $=##

!= r'Qmf k'“hL;+yfks z]o/wgLx?sf] dfq of]ubfg /x]sf] k|lt lsQf ?=!)) b/sf] !,^#,!),))) lsQf z]o/ k"0f{ r'Qmf ePsf]] 5 . a}+sn] ;j{;fwf/0fsf] nflu z]o/ lgisfzg ug{ afFsL /x]sf] 5 .

@= ;fwf/0f hu]8f sf]ifa}+s tyf ljQLo ;+:yf P]g, @)^# sf] Joj:yf adf]lhd o; jif{sf] v"b gfkmfsf] @)Ü n] x'g] ?=!,$#,&#,^@( ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 . o; kZrft a}+ssf] ;fwf/0f hu]8f sf]ifdf s'n /sd ?= !,(@,#*,#)( /x]sf] 5 .

#= k'“hLut hu]8f sf]ifk'FhLut hu]8f sf]ifdf lgDg adf]lhdsf /sdx? /x]sf 5g\ M

-s_ a}+ssf] k"j{;~rfng cjlwdf k|fKt cfDbfgLaf6 vr{ s6fO{ afFsL /x]sf] /sd ?= %,^$,&$,^%#÷–

-v_ Nepal Economic, Agriculture and Trade (NEAT) Activity sf] cfof]hgf cGtu{t Chemonics International

Inc. af6 pks/0f vl/bsf] lgldQ k|fKt cg'bfgsf] lstfaL d"No ?= !!,)),%)#÷–

$= nfef+z tyf af]g; z]o/o; jif{ nfef+z tyf af]g; z]o/ k|:tfj ul/Psf] 5}g .

%= k|:tfljt sd{rf/L af]g; ;Dk"0f{ sf/f]af/ kl5sf] d'gfkmfaf6 sd{rf/L af]g; ;dfof]hg u/L af+ls /x]sf] /sddf !) k|ltztn] x'g] /sd sd{rf/L af]g; afkt Joj:yf ul/Psf] 5 .

^= sd{rf/L cfjf; sf]ifa}+ssf] sd{rf/L cfjf; shf{ gLlt adf]lhd a}+ssf sd{rf/Lx?nfO{ cfjf; shf{ k|bfg ul/Psf]n] >d P]gsf] Joj:yf adf]lhd sd{rf/L cfjf; sf]ifsf] lgldQ s'g} Joj:yf ul/Psf] 5}g .

&= g]kfn /fi6« a}+ssf] z'Go Aofhb/sf] ;fk6L

a}+sn] g]kfn /fi6« a}+ssf] lgb]{zg cg';f/ g]kfn ;/sf/n] tf]s]sf u|fld0f lhNnfx?df zfvf sfof{nox? :yfkgf u/] afkt z'Go Aofhb/df shf{ tyf ;fk6L k|fKt u/]sf]5 . o:tf] ;fk6L cfiff9 d;fGt @)^( df ?= %),)),))) /x]sf] 5 h'g cg';"rL $=$ df b]vfOPsf] 5 .

*= shf{ tyf ;fk6s'n shf{, ;fk6L tyf lan vl/b / To;df ul/Psf] Joj:yf lgDgfg';f/ /x]sf] 5 M

;a} shf{, ;fk6L tyf lan vl/bsf] ;Defljt gf]S;fgL Joj:yf g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd ul/Psf] 5 . o; jif{ s'g} shf{ tyf Aofhsf] ckn]vg ul/Psf] 5}g .

(= Aofh cfDbfgL tyf Aofh d'NtjLjf;nft ldlt ;Dddf shf{ tyf ;fk6sf] c;'n ug{ af+ls Aofh /sdnfO{ Aofh d'NtjL lx;fadf ;fl/Psf] 5 h'g cg';"rL $=!^ df k|:t't ul/Psf] 5 .

!)= s'n shf{ tyf ;fk6sf] kl/rfng

ljj/0f hDdf ?=

s'n shf{, ;fk6 tyf lan vl/b *,)$,&*,@!,(&(gf]S;fgL Joj:yf !!,$@,*^,@&^v"b shf{, ;fk6 tyf lan vl/b &,(#,#%,#%,&)#

ljj/0f @)^*÷^( @)^&÷^*

shf{ k|jfx !*,%(,#@,!^,!@% !),$^,!),*%,^*&shf{ c;'nL !%,#^,!*,%%,*($ %,^$,$^,@#,(#(shf{ ckn]vg Aofh ckn]vg

?=

72 d]/f] a}+s – d]uf a}+s

!!= lgIf]kdf kl/jt{g

ljj/0f @)^*÷^( @)^&÷^* kl/jt{g /sd ÜrNtL vftf @#,(!,^&,%$& !$,!@,)),*$& (,&(,^^,&)) ^(=#* dflh{g vftf !),(#,)!,*%$ #,!(,@!,*!! &,&#,*),)$# @$@=$) art vftf #,(%,%),!%,#)^ !,%(,%*,^%,&^@ @,#%,(!,$(,%$$ !$&=*# d'2tL vftf #,)*,(^,&*,$$( @,!&,)%,$#,))% (!,(!,#%,$$$ $@=#% sn vftf !,&%,!#,*!,)$) !,$#,#$,#!,%)% #!,&(,$(,%#^ @@=!* cGo $,*),!#,))) %,#),))) $,&$,*#,))) *,(%(=)^ hDdf lgIf]k (,!(,@%,%&,!(& %,#&,#$,(@,(#) #,*!,(),^$,@^& &!=)&

!@= shf{ gf]S;fgL Joj:yf tyf Aofh d'NtjLdf kl/jt{g

ljj/0f @)^*÷^( @)^&÷^* kl/jt{g /sd Üshf{ gf]S;fgL Joj:yf !!,$@,*^,@&^ $,*!,^$,^!& ^,^!,@!,^%( !#&=@* Aofh d'''NtjL @,@*,*%,!@$ ^@,@&,#($ !,^^,%&,&#) @^&=$(

!#= :yug s/

ljj/0f n]vfÍg s/ km/s :yug s/ ePsf] /sd cfwf/ ;DklQ÷-bfloTj_ :yL/ ;DklQ @*,*!,%&,&## @*,@*,%),#&^ -%#,)&,#%&_ -!%,(@,@)&_ljbf e'QmfgL afktsf] Joj:yf &$,%!,$#* &$,%!,$#* @@,#%,$#!pkbfg Joj:yf @*,(%,&$* @*,(%,&$* *,^*,&@%hDdf @(,*%,)$,(!( @*,@*,%),#&^ %),#(,*#) !%,!!,($(z'''? :yug s/ bfloTj -!^,@@,@@(_:yug s/ cfDbfgL #!,#$,!&(

g]kfn n]vfdfg – ( cfos/ adf]lhd :yug s/sf] k|rlnt #)Ü sf b/n] u0fgf ul/Psf] 5 h;sf] ljj/0f lgDgfg';f/ /x]sf] 5M

!$= lnhxf]N8 ;DklQsf] kl/zf]wg

ljj/0f nfut ut ;fn o; jif{sf] kl/zf]wgaf6 af+ls

;Ddsf] kl/zf]wg kl/zf]wg lkmtf{

lnhxf]N8 *,(),%*,*&% ^(,(!,!*) !,$(,%),&(@ #@,*@& ^,&!,$(,&@(

?=

?=

?=

?=


!^= Psfu|tfsf] ;f/f+z

ljj/0f shf{, ;fk6 lgIf]k ;Defljt tyf lan vl/b bfloTj#! cfiff9, @)^( sf] s'n hDdf *,)$,&*,@!,(&( (,!(,@%,%&,!(& !,#^,##,&@,*#(Psn u|fxsdf ePsf] pRr Psfu|tf @(,(%,)),))) @&,)*,#@,@(& @#,(#,@#,@)#Psn u|fxsdf ePsf] pRr Psfu|tf Ü #=&@Ü @=(%Ü !&=%%Ü

!%= efl/t cf};t Aofhb/ cGt/

ljj/0f Ü

shf{ tyf nufgLdf efl/t cf}ift Aofh b/ -cfDbfgL_ !!=*!lgIf]k tyf ;fk6Ldf efl/t cf}ift Aofh b/ -nfut_ *=$(v"b Aofh cGt/ #=#!

dflysf] u0fgf jflif{s cf};t sf/f]af/sf] cfwf/df ul/Psf] 5 .

!&= lx;fa ldnfg

ljj/0f hDdf ! dlxgf ! b]lv # # b]lv ( ( dlxgf /sd ;Dd dlxgf ;Dd dlxgf ;Dd eGbf clwszfvf lx;fj ldnfg – – – – –Ph]G;L lx;fj ldnfg #,!@,)$,(&& @,&$,!*,*$@ @#,&#,!#$ – !$,!#,)))

?=

?=

74 d]/f] a}+s – d]uf a}+s

qm=;+= ljj/0f ! – () (! – !*) !*! – @&) @&! – #^% Ps jif{ hDdf lbg lbg lbg lbg eGbf dfly ;DklQ ! gub df}Hbft @%) – – – – @%)@ a}+s tyf ljQLo ;+:yfdf /x]sf] df}Hbft &%) – – – ^)! !#%!# ljb]zL a}+sdf ul/Psf] nufgL @& – #! ^# – !@!$ sn dlg !#@ – – – – !#@% ;/sf/L ;'/If0fkq – – – *&# – *&#^ g]=/f=a}+s C0fkq – – – – – –& cGt/ a}+s tyf ljQLo ;+:yf shf{ @!% ** – – – #)#* shf{ ;fk6 #^%^ !!&% ^*( %@% @))# *)$*( kfpg' kg]{ Aofh ^ ! ! ! !& @^!) l/e;{ l/kf] – – – – – –!! k|lta4tf cGtu{t cGo ;+:yfx?af6 k|fKt x'g] – – – – – –!@ qm=;= @), @! / @@ sf ;'ljwfx?sf] e'QmfgL] !$)% !!^ $! !!( ($ !&&%!# cGo % – – !^ $&$ $(% s'n ;DklQ ^$$^ !#*! &^! !%(& #!*( !##&$

bfloTj !$ rNtL lgIf]k $@ – – – !(& @#(!% art lgIf]k &!! !) # !) %!#) %*^$!^ d'2tL lgIf]k !^)! *!$ #%( #)( ^ #)()!& C0fkqx? – – – – – –!* ;fk6L M #)# – – – – #)# dfu÷cNk;"rgf @(* – – – – @(* cGt/ a}+s÷ljQLo ;+:yf – – – – – – k'gs{hf{ – – – – – – cGo % – – – – % !( cGo bfloTj tyf Joj:yfx? M !%^ !@ @& ^ !!& #!* ;08«L qm]l86;{ & – – – – & e'QmfgL lbg'kg]{ lan !( – – – – !( e'QmfgL lbg'kg]{ Aofh %( – – – – %( Joj:yfx? #& !@ !& % !)^ !&^ cGo #% – !) ! !! %&@) k|lta4tf cGtu{t cGo ;+:yfx?nfO{ lbg'kg]{ ^& %& – $$ – !^*@! pkef]u e}g;s]sf] :jLs[t ;'ljwfx? $!@ – – – – $!@@@ k|lttkq÷hdfgt -v"b_ (@^ %( $! &% ($ !!(%@# l/kf] – – – – – –@$ qm=;= !! cGtu{tsf] ;'ljwfsf] e'QmfgL – – – – – –@% cGo – – – – – – s'n bfloTj $@!* (%@ $#) $$% %%$$ !!%*( v"b ljQLo ;DklQ @@@& $@( ##@ !!%@ -@#%%_ !&*% ;l~rt v"b ljQLo ;DklQ @@@& @^%^ @(** $!$) !&*% –

!*= e'QmfgL cjlwsf] cfwf/df ;DklQ tyf bfloTjsf] juL{s/0f?= b; nfvdf


!(= ;DalGwt kIf ljj/0f-s_ a+}s Joj:yfkgsf k|d'v JolQmx?!_ k|f=8f=dbg s'df/ bfxfn cWoIf@_ 8f=b'dg yfkf ;~rfns#_ k|f=8f=uf]ljGb g]kfn ;~rfns$_ >L ef]h axfb'/ zfx ;~rfns%_ >L uf]kfn vgfn ;~rfns^_ >L dbg s'df/ cfrfo{ ;~rfns&_ >L zDe' laqmd yfkf ;~rfns*_ >L O{Zj/ axfb'/ u'?Ë ;~rfns(_ >L ;'lzn /fd dfy]df ;~rfns!)_ >L clgn s]z/L zfx k|d'v sfo{sf/L clws[t

-v_ a+}s Joj:yfkgsf k|d'v JolQmx?nfO{ k|bfg ul/Psf] ;'ljwf!= cNksfnLg sd{rf/L ;'ljwfx? M ?= !,%(,@%,)))@= ;]jf cjlw kZrftsf ;'ljwfx? M –#= cGo bL3{sfnLg ;'ljwfx? M –$= cjsfz ;'ljwfx? M –%= z]o/;DaGwL ;'ljwfx? M –

dfyL pNn]lvt eGbf afx]s k|d'v sfo{sf/L clws[tnfO{ ;]jf s/f/ adf]lhd uf8L ;'ljwf, rfns, ;'/Iff uf8{, df]afOn lan vr{ tyf af]g; k|bfg ul/Psf] 5 .

-u_ Joj:yfkgsf k|d'v JolQmx?;+usf] sf/f]af/!= ;~rfnsx?nfO{ k|bfg ul/Psf] a}7s eQf M ?= &,*@,)))@= cGo eQf M ?= ^$,)))

@)= cfkm\g} ;DklQsf] ;'/If0fdf lnPsf] ;fk6Lsf] ljj/0f

g]kfn ;/sf/sf] 6«]h/L lansf] lwtf] afx]s a}+sn] cfkm\gf] cGo ;DklQsf] ;'/If0fdf s'g} ;fk6L glnPsf] .

Tier 2 Capital and Breakdown of its Components

Subordinated Term DebtsNone

Deductions from CapitalNone

a. Core Capital (Tier I) 1,781,970,584b. Supplementary Capital (Tier II) 82,881,291 Total Capital Fund 1,864,851,874

Rs.Total Qualifying Capital

a. Tier 1 Capital to Total 18.24% Risk Weighted Exposuresb. Tier 1 and Tier 2 Capital to 19.09% Total Risk Weighted Exposures

Capital Adequacy Ratio

Summary of the Bank’s internal approach to assess the adequacy of its capital to support current and future activitiesTheBankhaspreparedafiveyearstrategicplanwhichis supplemented by annual budget. These are strategic documents and provide guidance on the future business prospects of the Bank. These documents establish the desired nature and size of the business portfolio at a future period. While preparing these documents, capital assessment is taken as one of the most important factors. Bank understands the various formsofrisksassociatedwiththebusinessandtheimportance of capital in mitigating these risks. Hence, thepresentaswellasfuturecapitalrequirementsofthe bank are thoroughly assessed to ensure that it is morethanadequatetosupportthebusinessneedsofthe bank.

The changes in the business environment bring about changesintheriskprofileofthebank.Hence,periodicreviewsareconductedtoassesstheimpactofanysuchchangesintheenvironment.Capitaladequacyratios are also computed at regular intervals to ascertainitsadequacyintermsoftheassociatedrisks.Furthermore,otherquantitativeandindicativetoolsarealso studied and discussed amongst the Management and the Board. Various tools and indicators have been put into practice for analysis to support the Internal CapitalAdequacyAssessmentProcess(ICAAP)oftheBank. Similarly, an ICAAP policy is being devised for a standardized implementation.

21. BASEL DISCLOSURE

Tier 1 Capital and Breakdown of its Components

15.07.2012

Core Capital (Tier 1) 1,781,970,584a. Paid up Equity Share Capital 1,631,000,000b. Statutory General Reserves 19,238,309c. Retained Earnings 75,257,622d. Capital Reserve 56,474,653

Rs.

15.07.2012

Supplementary Capital (Tier 2) 82,881,291a. General loan loss provision 80,085,176b. Exchange Equalization Reserves 183,663c. Deferred Tax Reserve 1,511,949d. Capital Reserve (Deferred Revenue Income Fixed Assets) 1,100,503

Rs.

76 d]/f] a}+s – d]uf a}+s

1. Risk Weighted Exposure for Credit Risk 9,265,347,0192. Risk Weighted Exposure for Operational Risk 436,693,3783. Risk Weighted Exposure for Market Risk 65,409,653 Total Risk Weighted Exposures 9,767,450,050

No. Particulars 15.07.2012

1. Claims on govt. and central Bank -2. Claimsonotherofficialentities 449,250,0003. Claims on Banks 335,487,607 4. Claimsoncorporateandsecuritiesfirm 5,441,014,8345. Claims on regulatory retail portfolio 1,097,454,1056. Claim secured by residential properties 100,245,2917. Claims secured by commercial real state 142,423,7138. Past due Claims 67,234,4369. High risk claims 566,855,47910.Other Asset 433,332,27211. Off Balance sheet Items 632,049,281

Total 9,265,347,019

Grade This Year Previous Year

Restructured/Rescheduled - -Substandard 6,804,401 -Doubtful - -Loss 32,500,000 -

Total NPA 39,304,401 -

Risk Weighted Exposures for Credit Risk, Market Risk and Operational Risk

Risk Weighted Exposures under each of 11 categories of Credit Risk

Total Risk Weighted exposure calculation table(Please refer Schedules 4.30(Kha)/(Ga)/(Gha)&(Nga) for detailed calculations.

Gross 39,304,401Net 5,103,301

Amount of NPAs (both Gross and Net)

Gross 0.49 Net 0.06

NPA Ratios (%)

Movement of Non Performing Assets

Summary of the terms, conditions and main features of all capital instruments, especially in case of subordinated term debts including hybrid capital instruments.None.

Write off of Loans & Interest SuspenseNone.

Rs.

Rs.

Rs.

Rs.


Detail of Additional Loan Loss provisionNone.

Investment Portfolio Net Amount (NPR)

Held For Trading -

Held To Maturity 1,297,041,448

Available For Sale -

Total 1,297,041,448

Segregation of Investment Portfolio into Held for Trading, Held to Maturity and Available for Sale Category

No. Particulars This Year Previous Year Changes(%)

Loan Loss Provision 114,286,276 48,164,617 137.28Interest Suspense 22,885,124 6,227,394 267.49

Movement in Loan Loss Provisions and Interest Suspense Rs.

Risk Management FunctionThe Board of Directors and the management realize the importance of effective risk management and are keen to improve its risk management function continuously. Hence, the organizational structure has placed a Risk unitindependentfromotherbusinessfunctionswithdirectreportingtotheCEO.Theunitisadequatelymannedand oversees all risk aspects including but not limited to Credit, Operational and Market risks. Besides this the Bank has an Internal Audit Department to conduct audit & inspection of various activities of the Bank and directly reports to the Audit Committee. The Management on regular intervals studies and makes analysis to identify variousinherentrisksbasedonindicativefacts,figuresandstatisticswhichisfurtherpresentedanddiscussedin the Board. Stress Testing, one of the risk management tools has been brought and put into effective practice.

Credit Risk: Bank has placed Credit Risk independent of the

business generating units. Risk management committee comprising of non executivedirectorshasbeenenacted,whichreviewsthe credit risk on a periodic basis.

CreditPolicyguidesallunderwritingactivities,whichis periodically revised to ensure that all immediate and potential risks are addressed.

Loans and facilities are only sanctioned after the approval of the risk units.

Lending authority is transparently and clearly disseminatedtothelendingofficials.

BankhasaPortfolioMonitoringCommittee;whichreviewstheconcentrationsandidentifiesthepotentialaswellproblematicsectorsforlending.

Credit manuals and product papers are developed andimplementedwhichguidestheentirecreditrelated activities.

Investment portfolio is guided by the Investment policy of the Bank.

Operation Risk: Bank is committed to continuous strengthening of

internal controls Standard Operating Procedures for all areas of bank

operations have been formulated and implemented. Bank has a centralized operations unit to ensure the

consistency and accuracy in processing transactions aswellastoreviewandidentifyanypotentialrisk.

Independent operation risk unit has been set up whichreviewstheoperationsofthebankintermsofcompliance of internal/external rules and procedures.

Bank has formulated and implemented a comprehensive IT policy to ensure and strengthen dataandnetworksecurity.

Bank has adopted an internationally acclaimed Flexcube asthecorebankingsoftware,whichhasexcellentinbuiltcontrolfeatures.Thesoftwarehasbeenthoroughlytestedandcustomizedasperourrequirements;balancingboththebusinessrequirementsanditscontrolfeatures.LargeextentoftheMISrequirementshasbeenautomatedandeffortsareunderwaytoautomatetherestoftherequirementsaswell.

In order to continuously improve the capabilities of the employees, training calendars are developed and implemented based on their need assessments.

Market Risk: The major sources of market risk for the bank are interestraterisk,exchangerateriskandliquidityrisk.

Bank has developed and implemented policies and guidelines to mitigate these risks.

BankhasanAssetsLiabilityCommitteewhichmeetsregularly to identify and manage these risks as per the laiddownpoliciesandprocedures.

Types of eligible credit risk mitigants used and the benefi ts availed under CRMDepositwithBank: Rs.152,285,835

78 d]/f] a}+s – d]uf a}+s

;+:yfkssf] :jfldTjdf sfod /x]sf] z]o/ shf{ ljj/0f s}lkmotqm=;+ = ;+:yfks÷;+:yfks s'n lsQf ;+Vof s'n r'Qmf k'“hLsf] shf{ lnPsf] cGo shf{ /sd lwtf]df /x]sf] ;d"x cGtu{t kg]{ k|ltzt a}+s÷ljQLo z]o/ lsQf z]o/wgLsf] gfd ;+:yfsf] gfd ;+Vof != @=

;+:yfks÷;+:yfks ;d"xsf z]o/wgLn] cfkm\gf] :jfldTjdf /x]sf] z]o/ cGo a}+s tyf ljQLo ;+:yfdf lwtf] /fvL shf{ lnPsf] ljj/0f #! cfiff9 @)^( -!% h'nfO{ @)!@_

cg';"rL — $=#$

?=


cg';"rL — $=#%

cGt/qm=;+= ljj/0f n]vfk/LIf0f n]vfk/LIf0f /sddf k|ltztdf cGt/sf] gePsf] ljQLo ePsf] ljQLo sf/0f ljj/0f cg';f/ ljj/0f != s'n k'FhL tyf bfloTj -!=! b]lv !=& ;Dd_ 11,40,67,91 11,39,97,80 -70,11_ -0=06_ !=! r'Qmf k'FhL 1,63,10,00 1,63,10,00 !=@ hu]8f tyf sf]ifx? 15,22,57 15,37,67 15,10 0=99 v"b gfkmf tyf :yL/ ;DklQ cg'bfg n]vfÍgdf ePsf] kl/jt{gn] !=# C0fkq tyf a08 !=$ ;fk6L 30,34,21 30,34,21 !=% lgIf]k bfloTj -c±cf_ 9,19,25,57 9,19,25,57 c= :jb]zL d'b|f 8,85,56,63 8,85,56,63 cf= ljb]zL d'b|f 33,68,94 33,68,94 !=^ cfos/ bfloTj !=& cGo bfloTj 12,75,56 11,90,35 -85,21_ -6=68_ :yug s/df cfPsf] kl/jt{g tyf km/jf8{ PS;r]~h sG6«fS6sf] k'g/juL{s/0fsf] sf/0fn] @= s'n ;DklQ -@=! b]lv @=& ;Dd_ 11,40,67,91 11,39,97,80 -70,11_ -0=06_ @=! gub tyf a}+s df}Hbft 1,60,04,06 1,60,04,06 @=@ dfu tyf cNk;"rgfdf k|fKt x'g] /sd 13,23,00 13,23,00 @=# nufgL 1,29,70,41 1,29,70,41 @=$ shf{ tyf ;fk6 -c±cf±O±O{±p±pm_ 7,93,35,36 7,93,35,36 c= l/on :6]6 shf{ ;fk6 31,04,52 31,04,52 != cfjf;Lo 3/ shf{ -?=! s/f]8 ;Ddsf] 5,03,07 5,03,07 JolQmut cfjf;Lo 3/ shf{ afx]s_ @= Joj;flos ejg tyf cfjf;Lo 3,86,81 3,86,81 ckf6{d]06 lgdf{0f shf{ #= lgdf{0f ;DkGg eO{ cfo cfh{g ug{ yfn]sf] Jofkfl/s sDKn]S; shf{ $= cGo l/on :6]6 shf{ -hUufhdLg 22,14,64 22,14,64 vl/b tyf Knl6Ë shf{ ;d]t_ cf= ?= ! s/f]8 ;Ddsf] JolQmut cfjf;Lo 3/ shf{ 13,36,08 13,36,08 O= dflh{g k|s[ltsf] shf{ O{= cfjlws shf{ 75,23,83 75,23,83 p= clwljsif{÷l6=cf/=÷rfn' k'FhL shf{ 4,78,67,55 4,78,67,55 pm= cGo shf{ 1,95,03,38 1,95,\03,38 @=% :yL/ ;DklQ 28,86,53 28,97,53 11,00 0=38 cg'bfgsf] :yL/ ;DklQ n]vfÍgdf ePsf] kl/jt{gn] @=^ u}/ a}+lsË ;DklQ @=& cGo ;DklQ 15,48,54 14,67,43 -81,11_ -5=24_ :yug s/df cfPsf] kl/jt{g, km/jf8{ PS;r]~h sG6«fS6sf] k'g/juL{s/0f tyf cfDbfgL÷vr{df cfPsf] kl/jt{gn] #= gfkmf gf]S;fg lx;fa #=! Aofh cfDbfgL 1,14,00,20 1,14,03,25 3,05 0=03 sd{rf/L cfjf; shf{sf] Aofhdf ;dfof]hgn] #=@ Aofh vr{ 74,97,40 74,97,40 s= v"b Aofh cfDbfgL -#=!–#=@_ 39,02,79 39,05,84 3,05 0=08 #=# lkm, sldzg / l8:sfp06 1,77,74 1,78,08 34 0=19 ljk|]if0f cfDbfgLdf clu|d s/ s§Lsf] ;dfof]hgn] #=$ cGo ;~rfng cfDbfgL 3,43,72 3,43,72 #=% ;6xL 36a9 cfDbfgL -v"b_ 2,76,49 2,76,49 v= s'n ;~rfng cfDbfgL -s±#=# blv #=%_ 47,00,73 47,04,13 3,39 0=07 #=^ sd{rf/L vr{ 11,30,64 11,30,64 #=& cGo ;~rfng vr{ 17,85,19 17,86,69 1,50 0=08 k]ZsL km5\{of}6 ;dfof]hgn] u= gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf -v–#=^–#=&_ 17,84,91 17,86,80 1,89 0=11 #=* ;Defljt gf]S;fgL Joj:yf 6,61,22 6,61,22 3= ;~rfng d'gfkmf -u–#=*_ 11,23,69 11,25,58 1,89 0=17 #=( u}/;~rfng cfDbfgL÷vr{ -v"b_ 7,04 7,04 #=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ ª= lgoldt sf/f]af/af6 ePsf] d'gfkmf -3±#=(±#=!)_ 11,30,73 11,32,62 1,89 0=17 #=!! c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{ -v"b_ r= af]g; / s/ cl3sf] d'gfkmf -ª±#=!!_ 11,30,73 11,32,62 1,89 0=17 #=!@ sd{rf/L af]g; Joj:yf 1,02,79 1,02,97 17 0=17 gfkmfdf ePsf] kl/jt{gsf] c;/n] #=!# cfos/ Joj:yf 3,13,35 3,10,97 -2,37_ -0=76_ gfkmfdf ePsf] kl/jt{gsf] c;/ tyf s/of]Uo cfodf ;dfof]hgn] 5= v"b gfkmf÷gf]S;fg -r–#=!@–#=!#_ 7,14,59 7,18,68 4,09 0=57

cfly{s jif{ @)^*÷^( sf] n]vfk/LIf0f gePsf] tyf n]vfk/LIf0f ePsf] ljQLo ljj/0fsf] t'ngf /sd ?= xhf/df

80 d]/f] a}+s – d]uf a}+s

cg';"rL — $-c_

qm=;+= ljj/0f rf}yf] q}odf; t];|f] q}odf; rf}yf] q}odf; @)^*÷^( @)^*÷^( @)^&÷^* != s'n k'FhL tyf bfloTj -!=! b]lv !=& ;Dd_ 11,40,67,91 12,36,07,64 7,24,17,29 !=! r'Qmf k'FhL 1,63,10,00 1,63,10,00 1,63,10,00 !=@ hu]8f tyf sf]ifx? 15,22,57 12,05,51 8,07,98 !=# C0fkq tyf a08 !=$ ;fk6L 30,34,21 99,88,19 11,47,52 !=% lgIf]k bfloTj -c±cf_ 9,19,25,57 9,50,61,89 5,37,34,93 c= :jb]zL d'b|f 8,85,56,63 8,96,49,99 5,25,54,58 cf= ljb]zL d'b|f 33,68,94 54,11,90 11,80,35 !=^ cfos/ bfloTj 1,80 !=& cGo bfloTj 12,75,56 10,42,06 4,15,06 @= s'n ;DklQ -@=! b]lv @=& ;Dd_ 11,40,67,91 12,36,07,64 7,24,17,29 @=! gub tyf a}+s df}Hbft 1,60,04,06 72,43,45 48,99,47 @=@ dfu tyf cNk;"rgfdf k|fKt x'g] /sd 13,23,00 9,25,00 59,90,00 @=# nufgL 1,29,70,41 2,34,78,64 99,01,69 @=$ shf{ tyf ;fk6 -c±cf±O±O{±p±pm_ 7,93,35,36 8,75,58,25 4,76,82,97 c= l/on :6]6 shf{ ;fk6 31,04,52 29,38,61 8,55,48 != cfjf;Lo 3/ shf{ -?=! s/f]8 ;Ddsf] 5,03,07 5,06,68 1,18,86 JolQmut cfjf;Lo 3/ shf{ afx]s_ @= Joj;flos ejg tyf cfjf;Lo 3,86,81 2,93,55 3,95,07 ckf6{d]06 lgdf{0f shf{ #= lgdf{0f ;DkGg eO{ cfo cfh{g ug{ yfn]sf] Jofkfl/s sDKn]S; shf{ $= cGo l/on :6]6 shf{ -hUufhdLg 22,14,64 21,38,38 3,41,55 vl/b tyf Knl6Ë shf{ ;d]t_ cf= ?= ! s/f]8 ;Ddsf] JolQmut cfjf;Lo 3/ shf{ 13,36,08 12,63,63 5,07,79 O= dflh{g k|s[ltsf] shf{ O{= cfjlws shf{ 75,23,83 69,03,22 47,89,99 p= clwljsif{÷l6=cf/=÷rfn' k'FhL shf{ 4,78,67,55 5,75,85,18 2,87,03,98 pm= cGo shf{ 1,95,03,38 1,88,67,61 1,28,25,74 @=% :yL/ ;DklQ 28,86,53 28,25,06 25,55,53 @=^ u}/ a}+lsË ;DklQ @=& cGo ;DklQ 15,48,54 15,77,24 13,87,63qm=;+= gfkmf gf]S;fg lx;fa rf}yf] q}odf; t];|f] q}odf; rf}yf] q}odf; @)^*÷^( @)^*÷^( @)^&÷^* #=! Aofh cfDbfgL 1,14,00,20 80,04,15 54,42,15 #=@ Aofh vr{ 74,97,40 54,90,48 30,07,60 s= v"b Aofh cfDbfgL -#=!–#=@_ 39,02,79 25,13,67 24,34,55 #=# lkm, sldzg / l8:sfp06 1,77,74 1,12,68 66,09 #=$ cGo ;~rfng cfDbfgL 3,43,72 2,60,30 2,73,80 #=% ;6xL 36a9 cfDbfgL -v"b_ 2,76,49 1,30,36 74,57 v= s'n ;~rfng cfDbfgL -s±#=# blv #=%_ 47,00,73 30,17,01 28,49,02 #=^ sd{rf/L vr{ 11,30,64 8,01,36 8,13,86 #=& cGo ;~rfng vr{ 17,85,19 11,89,64 11,71,28 u= gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf -v–#=^–#=&_ 17,84,91 10,26,01 8,63,87 #=* ;Defljt gf]S;fgL Joj:yf 6,61,22 4,02,78 4,81,65 3= ;~rfng d'gfkmf -u–#=*_ 11,23,69 6,23,23 3,82,22 #=( u}/;~rfng cfDbfgL÷vr{ -v"b_ 7,04 5,69 #=!) ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ ª= lgoldt sf/f]af/af6 ePsf] d'gfkmf -3±#=(±#=!)_ 11,30,73 6,28,92 3,82,22#=!! c;fdfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{ -v"b_ r= af]g; / s/ cl3sf] d'gfkmf -ª±#=!!_ 11,30,73 6,28,92 3,82,22 #=!@ sd{rf/L af]g; Joj:yf 1,02,79 57,17 34,75 #=!# cfos/ Joj:yf 3,13,35 1,71,52 1,04,24 5= v"b gfkmf÷gf]S;fg -r–#=!@–#=!#_ 7,14,59 4,00,22 2,43,23 qm=;+= cg'kftx? -Ü_ rf}yf] q}odf; t];|f] q}odf; rf}yf] q}odf; @)^*÷^( @)^*÷^( @)^&÷^* $=! k'FhLsf]if÷hf]lvd efl/t ;DklQ 19=12 17=11 19=36$=@ lgliqmo shf{{÷s'n shf{ )=$( ) )$=# ;Defljt gf]S;fgL Joj:yf÷s'n lgliqmo shf{ @()=&& ) )$=$ k'FhLsf] nfut -Cost of Fund_ *=$( *=(% !)=@^$=% shf{ lgIf]k cg'kft -g]kfn /fi6« a}+ssf] lgb]{zg adf]lhd_ &@=*@ &*=*! ^*=(@

ckl/is[t ljQLo ljj/0f -q}dfl;s_@)^( cfiff9 d;fGt -rf}yf] q}odf; @)^*÷^(_ /sd ?= xhf/df


82 d]/f] a}+s – d]uf a}+s

l6kf]6M

zfvf k|aGwsx?

zDe'axfb'/ yfkfd'Vo zfvf, sflGtky, sf7df08f}

;dL/ s]=;L=kf]v/f, sf:sL

ck{g ;~h]na'6jn, ?kGb]xL

lr/~hLjL kf]v/]nljtf{df]8, emfkf

8]g/fh ;'Jjfw/fg, ;'g;/L

zlQm l;+x xdfng]kfnu~h, afFs]

kfzfË of~r]g nfdf:ofk|m'j]zL, /;'jf

dgf]h yfkf du/hfjnfv]n, nlntk'/

ljgf]b /fodfemLxl/jg, ;nf{xL

/fh]Gb| kf08]wflbªj]zL, wflbª

nIdL yklnofgf/fo0fu9, lrtjg

;'lgn df]Qmfgl7dL, eQmk'/

OlGb/f kg]?skg, sf7df08f}

gf/fo0f cu|jfnlj/f6gu/, df]/Ë

w/gLw/ ;fksf]6frf}tf/f, l;Gw'kfNrf]s

lw/hdfg >]i76]s', sf7df08f}

gfu]Gb| kGtd}tLb]jL, sf7df08f}

/fd' kGyLe}/xjf, ?kGb]xL

s[i0f k|;fb zdf{;lGwvs{, c3f{vfFrL

cdTo{ cf]hZjL pkfWofojL/u+h, k;f{

u0f]z vqLgf/fo0f gu/kflnsf, b}n]v

lzn' cof{ndxf/fhu~h, sf7df08f}

s]bf/ a:g]taf}4, sf7df08f}

;'lht 9sfngofF afg]Zj/, sf7df08f}

cldt >]i7gofF;8s, sf7df08f}

wd{ lji6wgu9L, s}nfnL

z/b clwsf/L3f]/fxL, bfª

un]s s'df/ ofbjhgsk'/, wg'iff

w w w . m e g a b a n k n e p a l . c o m

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ljQLo ;dfj]zLtfaf6 cfly{s ;zlQms/0f - Mega Bank Nepal