MITHILA LAGHUBITTA BITTIYA SANSTHA LTD. ldlynf n3'ljQ ......3 68 5 #)= kmu'gL dxtf] 9Ns]a/ j8f g+ )^ , wg'iff !#,((# #!= /fd afj' k|;fb ;fx hgsk'/ j8f g+ )# , wg'iff !#,((# #@= k/d]Zj

1ldlynf n3'ljQ ljQLo ;+:yf lnld6]8

sdnfbL, sf7df8f}+ Knfhf, jfO Ans, bf];|f] tNnf, sf7df08f}, kmf]g g+= $!^*^#$, ˆofS; g=M )!$!^*^#(, Email: [email protected], website : kcml.com.np

lwtf]kq lgisfzg tyf lalqm k|aGws

sDkgL P]g, @)^# cGtu{t ;+:yflkt /a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# adf]lhdsf] sfdsf/f]jf/ ug]{

MITHILA LAGHUBITTA BITTIYA SANSTHA LTD.ldlynf n3'ljQ ljQLo ;+:yf lnld6]8

-g]kfn /fi6« a}+saf6 æ3Æ ju{sf] Ohfht kq k|fKt ;+:yf_-!% lhNnf sfo{ If]q ePsf]_

ldlynf g=kf= j8f g+= ^, 9Ns]j/, wg'iffkmf]g g+= M )$!—%^)!&@ ÷ %^)!&@

www.mlbbank.com.npE-mail: [email protected]

sf]æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ

xfn sfod r'Qmf kF"hL ?= ^,%(,&&,(#*÷– -cIf]?kL 5 s/f]8 pGg;fl7 nfv ;txQ/ xhf/ gf} ;o c8lt; ?k+}ofF dfq_ sf] @M! -cyf{t ljBdfg b'O{ lsQf ;fwf/0f z]o/ a/fa/ gofF Ps lsQf z]o/_ sf] cg'kftdf ;fljs z]o/wgLx?sf] nflu k|lt z]o/ ?=!))÷— c+lst b/sf #,@(,**(=^( lsQf xsk|b ;fwf/0f z]o/x?sf] lgisfzg ug{sf] nflu k|sflzt .

b/vf:t;fy k|ltz]o/ ?=!))÷sf b/n] zt k|ltzt e'QmfgL dfu ul/Psf]lgisfzg tyf laqmL k|aGwssf] pb\3f]if0f M

xfdLnfO{ lgisfzgstf{ ;+ul7t ;+:yf tyf o;sf ;+:yfks÷;~rfnsx?sf] pknAw u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df o; ;+:yfsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf] ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf ;fy} “xsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?” df n]lvPsf] cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n] nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/f k|lt ljZj:t eO{ xfdLn] of] “xsk|b z]o/ lgisfzg ;DaGwL tyf ljj/0fx?” :jLs[ltsf nflu g]kfn lwtf]kq af]8{df lwtf]kq ;DaGwL P]g, @)^# / “lwtf]kq btf{ tyf lgisfzg lgodfjnL, @)&#” cg'?ksf] of]Uotf k'u]sf] k|lta4tfkq (Due Dilligence Certificate) k|:t't u/]sf 5f+} .lwtf]kqsf] nufgLdf x'g ;Sg] hf]lvd jf/] nufgLstf{ :jo+n] ljrf/ ug{'kg]{5 . o; ljQLo ;+:yfn] ug{] ePsf] sfddf lglxt ;Defljt cfly{s hf]lvdx? jf/] o; ljj/0fsf] bkmf -y_ df pNn]v ul/Psf] 5 .

qm]l86 /]l6Ë ;DalGw ljj/0f M

o; sDkgLn] hf/L ug{ nfu]sf] xsk|b z]o/ lgisfzgnfO{ s]o/ /]l6Ë g]kfn lnld6]8n] ldlt @)&%÷)%÷@& ut] cf};t eGbf tn (Below Average Fundamentals) hgfpg] "CARE-NP IPO Grade 4" u]|l8Ë k|bfg u/]sf] 5 . qm]l86 /]l6Ë ;DjlGw ljj/0f o; lja/0fsf] bkmf -j_ df pNn]v ul/Psf] 5 .

g]kfn lwtf]kq af]8{jf6 :jLs[t ePsf] ldlt M @)&%÷)(÷!#xsk|b z]o/ lgisfzg v'Nnf x'g] ldlt @)&%÷!)÷!&xsk|b z]o/ lgisfzg aGb x'g] ldlt @)&%÷!!÷@@ -a}lsË ;do kZrft_

2 ldlynf n3'ljQ ljQLo ;+:yf lnld6]8

s_ ;+ul7t ;+:yfsf] gfd M ldlynf n3'ljTt ljQLo ;+:yf lnld6]8 (Mithila Laghubitta Bittiya Sanstha Ltd.)

v_ ;+ul7t ;+:yfsf] /lhi68{ sfof{no M o; ljQLo ;+:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no wg'iff lhNnf ldlynf g=kf= jf8{ g+= ^, 9Ns]a/df /x]sf]5 .

u_ sf/f]jf/ :yfg M o; ljQLo ;+:yfsf] sf/f]jf/ ug]{] /lhi68{ -s]Gb|Lo_ sfof{no nufot g]kfn /fHosf] !% lhNnf wg'iff, dxf]Q/L, ;nf{xL, l;Gw'nL, l;/xf, ;Kt/L, pbok'/, /f}tx6, jf/f, /fd]5fk, l;Gw'kfnrf]s, sfe|]knf~rf]s, g'jfsf]6, bf]nvf / cf]vn9'Ëf /x]sf 5g\ . g]kfn /fi6« a}+ssf] :jLs[lt lnO{ cfjZostf cg';f/ zfvf, pkzfvf jf cGo sfof{no vf]nL ljQLo sf/f]jf/ ug{ ;Sg]5 . xfn ljQLo ;+:yfn] s]lGb|o sfof{no nufot tklznsf @! j6f zfvf sfof{no vf]ln ljQLo sf/f]jf/ ub}{ cfO{ /x]sf]5 .

tklznM

l;=g+= zfvfsf] gfd 7]ufgf! 9Ns]j/ ldlynf g=kf=–^, 9Ns]j/, wg'iff@ hgsk'/ hgsk'/ p=d=g=kf=–@, wg'iff# uf]bf/ u0f]zdfg rf/gfy g=kf=–&, wg'iff$ gjnk'/ nfnalGb g=kf=–!, ;nf{xL% tk]Zj/L a]nsf g=kf=–!, pbok'/^ df]tLu8f lqo'uf g=kf=–&, pbok'/& e]l8of ;'?Ëf g=kf=–@, ;Kt/L* k8l/of nxfg g=kf=–!$, l;/fxf( rf]xjf{ uf]nahf/ g=kf=–&, l;/fxf!) nIdLk'/ lai0f'k'/ uf=kf=–!, l;/fxf!! lguf}n uf}zfnf g=kf=–@, dxf]Q/L!@ k|sf}{nL hn]Zj/ g=kf=–$, dxf]Q/L!# dxdbk'/ u?8f g=kf=–$, /f}tx6!$ lghu9 lghu9 g=kf=–*, af/f!% 8sfxf b'wf}nL g=kf=–$, l;Gw'nL!^ /fd]5fk /fd]5fk g=kf=–*, /fd]5fk!& aa/u~h rGb|gu/ uf=kf=–@, ;nf{xL!* ;f]N6L AffudtL g=kf=–!), ;nf{xL!( /ftdf6f ;'gsf];L uf=kf=–#, l;Gw'nL@) en'xL k|;f}gL uf=kf=–!, af/f@! /fduf]kfnk'/ /fduf]kfnk'/ g=kf=–%, dxf]Q/L

3_ ;+ul7t ;+:yfsf] ;+lIfKt kl/ro / p2]Zo M !_ sDkgLsf] ;+lIfKt kl/ro M

ldlynf n3'ljQ ljQLo ;+:yf lnld6]8, sDkgL P]g, @)^# adf]lhd ldlt @)^%÷)*÷)* ut] g]kfn ;/sf/ sDkgL /lhi6«f/sf] sfof{nodf btf{ e} ldlt @)^^÷)!÷)$ ut] g]kfn /fi6« a}+saf6 ljQLo sf/f]jf/ ug{ Ohfht k|fKt u/L ldlt @)^^÷)!÷!^ ut] b]lv cfkm\gf] ljQLo sf/f]jf/ ;+rfng ul//x]sf] 5 . o; n3'ljQ ljQLo ;+:yf lnld6]8sf ;+:yfksx?df ls;fg, a}lsË, z}lIfs If]q, Jofkf/÷Joj;fosf] ;fy} Aoa:yfkg If]qdf nfdf] ;do b]lv bvn ePsf k|ltli7t JolQmTjx? /x]sf 5g\ .


@_ sDkgLsf] p2]Zo M g]kfn /fi6« a}+s P]g, @)%*, a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)&#, sDkgL sfg"g tyf cGo k|rlnt sfg"gsf] clwgdf /xL ljQLo sf/f]af/ ug]{ o; dfOqmf]kmfOgfG; ljQLo ;+:yfsf] d'Vo p2]Zox? b]xfo adf]lhd x'g]5 M-s_ o; ljQLo ;+:yfsf lgIf]kstf{ tyf z]o/wgLsf] xs lxtsf] ;+/If0f / ;Dj4{g ub}{

;j{;fw/0fnfO{ u'0f:t/Lo tyf e/kbf]{ a}lsË÷ljQLo ;]jf÷;'ljwf pknAw u/fpg], -v_ s[lif, pBf]u, ;]jf, Jofkf/ tyf cGo Jofj;flos ?kn] ;DefJo b]lvPsf pTkfbgzLn

Joj;fosf] :yfkgf, ljsf;, lj:tf/ / Ifdtf Pj+ pTkfbsTj j[l4sf nflu cfjZos ljQLo ;fwg cfGtl/s tyf afXo ;|f]taf6 h'6fO{ b]zsf] cf}Bf]lus, Jofkfl/s Pj+ s[lif If]qsf] ljsf;df ultzLntf Nofpg ;xof]u k'¥ofpg],

-u_ pknAw ;Lk, >d tyf k"FhLnfO{ plrt kl/rfng u/L u|fdL0f tyf zx/L If]qdf pTkfbg Pj+ /f]huf/L d"ns Joj;fosf] :yfkgf, ;+rfng, ljsf;, lj:tf/ Pj+ k|j4{|g ug]{ sfo{sf] nflu cfjZos ljQLo ;fwg, k|fljlws tyf Joj:yfksLo k/fdz{ ;]jf, tflnd tyf k|ljlw pknAw u/fO{ ul/aL lgjf/0fsf nflu ;lqmo ?kdf ;+nUg eO{ ;xof]u k'¥ofpg], /

-3_ d'n'sdf 5l/P/ /x]sf] k"FhLnfO{ PsLs[t u/L ;+:yfut nufgL tyf :j:y k|lt:kwf{sf dfWodaf6 ljQLo dWo:ytfsf] ;]jf pknAw u/fpg],

cGo d'Vo p2]Zox? o; ljQLo ;+:yfsf] k|aGwkqdf pNn]v eP cg';f/ /xg] 5g\ .

ª_ z]o/ k"FhLsf] ;+/rgf M!= clws[t k"FhL M ljQLo ;+:yfsf] clws[t k"FhL ?=!),)),)),)))÷— -bz s/f]8 dfq_ /x]sf] 5, h;nfO{

k|ltz]o/ ?=!))÷—sf b/n] !),)),))) -bz nfv dfq_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 . @= hf/L k"FhL M ljQLo ;+:yfsf] tTsfn hf/L ug]{ z]o/ k"FhL ?=(,*(,^^,()&÷— -gf} s/f]8 pgfgAa]

nfv 5};§L xhf/ gf} ;o ;ft ?k}ofF dfq_ /x]sf] 5 . ;f] k"FhLnfO{ k|ltz]o/ ?=!))÷—sf b/n] (,*(^^(=)& -gf} nfv pgfGgA]a xhf/ 5 ;o pgfG;Q/L bzdna ;'Go ;ft_ lsQf ;fwf/0f z]o/df ljefhg ul/Psf] 5 .

#= r'Qmf k"FhL M ljQLo ;+:yfsf] r'Qmf k"FhL ?= ?=^,%(,&&,(#*÷— -5 s/f]8 pgfG;f7L] nfv ;txQ/ xhf/ gf} ;o c7lt; ?k}ofF dfq_ /x]sf] 5, o; ljj/0fkq dfkm{t lgisfzg ul/g] xsk|b ;fwf/0f z]o/sf] afF8kmfF8 kZrft ljQLo ;+:yfsf] r'Qmf kF"hL ?= ?=(,*(,^^,()&÷— -gf} s/f]8 pgfgAa] nfv 5};§L xhf/ gf} ;o ;ft ?k}ofF dfq_ x'g]5 .

r_ xsk|b z]o/ lgisfzg ug{'k"j{ / lgisfzg kZrft\ x'g] ;+ul7t ;+:yfsf] r'Qmf k"+FhLsf] ;+/rgf M

xsk|b z]o/ lgisfzg ug'{ k"j{sf] r'Qmf k"FhLsf] ;+/rgf M;d"x Zf]o/wgL z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt

s ;+:yfks z]o/wgLx? $,^!,*$%=%& &)=))% $,^!,*$,%%& Zft k|ltzt

v ;j{;fwf/0f z]o/wgLx? !,(&,(##=*! #)=))% !,(&,(#,#*! Zft k|ltzt

hDdf ^,%(,&&(=#* !))% ^,%(,&&,(#*


xsk|b z]o/ lgisfzg u/L afF8kmFf6 u/] kZrft x'g] r'Qmf k"FhLsf] ;+/rgf M;d"x Zf]o/wgL z]o/ lsQf k"+hL ;+/rgf r'Qmf /sd -?=_ e'QmfgL k|ltzt

s ;+:yfks z]o/wgLx? ^,(@,&^*=#% &)=))% ^,(@,&^,*#% Zft k|ltztv ;j{;fwf/0f z]o/wgLx? @,(^,())=&@ #)=))% @,(^,(),)&@ Zft k|ltzt

hDdf (,*(,^^(=)& !))% (,*(,^^,()&

5_ xfnsf z]o/wgLx?sf] ;d"x v'Ng] u/L ;+:yfksx?sf] xsdf lghx?sf] gfd, 7]ufgf tyf pgLx?n] lnPsf] z]o/ ;+Vof tyf ;+:yfut ;+:yfksx?sf] xsdf pQm ;+:yfsf] ;+rfnsx?sf] gfd tyf 7]ufgf -k|fs[lts JolQm gv'n];Dd_ M

-!_ ;+:yfksx?sf] gfd 7]ufgf tyf xfn lnPsf] z]o/ lsQfMqm=;+= ;+:yfkssf] gfd 7]ufgf z]o/ ;+Vof s}lkmot

!= laGb]Zj/ ofba 9Ns]j/ a8f g+ )% , wg'iff !#,((#@= s[i0f rGb« bf; hgsk'/ j8f g+ )( , wg'iff !#,((##= /fd k|;fb ;fx l;g'/hf]8f j8f g+ )@ , wg'iff !#,((#$= /fd afa' ;fx ;'l8 a6]Zj/ j8f g+ )* , wg'iff !#,((#%= Uff}/L z+s/ ;fx t]ln gS6flemh j8f g+ )@, wg'iff !#,((#^= /fd s'df/ ;fx 9Ns]a/ j8f g+ )@ , wg'iff !#,((#&= /fhnfn dxtf] k'ikjnk'/ j8f g +)@, wg'iff !#,((#*= dgf]h s'df/ bf; syjlgof 9Ns]a/ j8f g+ % , wg'iff !#,((#(= laho s'df/ ;fx' t]ln gS6flemh j8f g+ )^, wg'iff !#,((#!)= u+uf k|;fb dxtf] 9Ns]a/ j8f g+ )& , wg'iff !#,((#!!= OGb| sfGt dxtf] 9Ns]a/ j8f g+ )% , wg'iff !#,((#!@= z+s/ bf; syjgLof 9Ns]a/ j8f g+ )% , wg'iff !#,((#!#= k|bLk s'df/ ;fx ;v'jf dx]Gb|gu/ j8f g+ )!, wg'iff !#,((#!$= la/]Gb| l;+x a6]Zj/ j8f g+ )% , wg'iff !#,((#!%= lzj z+s/ 7fs'/ nf]xf/ gS6flemh j8f g+ )#, wg'iff !#,((#!^= lbks s'df/ 7fs'/ Nff]xgf j8f g+ )$ , wg'iff !#,((#!&= lzj k|;fb ;fx hgsk'/ j8f g+ )(, wg'iff !#,((#!*= lszf]/L ;fx ;kxL /db}of a8f g+ )# , wg'iff !#,((#!(= Dffnf kf08]o O{6xjf{s6L j8f g+ ^ , wg'iff !#,((#@)= ;+ho s'df/ ;fx hgsk'/ j8f g+ ( , wg'iff !#,((#@!= xl/ k|;fb sfkmn] l5/]Zj/gfy j8f g+ )% , wg'iff !$,)^#@@= /fdrGb| l;+x s'zjfxf e/tk'/ j8f g+ )( dxf]Q/L !#,((#@#= /fd k|;fb bf; syjlgof 9Ns]a/ j8f g+ )^ , wg'iff !#,((#@$= Zofd k|;fb ;fx hgsk'/ j8f g+ )# wg'iff !#,((#@%= ch'{g ;fx ;v'jf dx]Gb|gu/ j8f g+ )!, wg'iff !#,((#@^= Aff;'b]j l;+x yf? d]3gfy uf]/xGgf j8f g+ )$, dxf]Q/L !#,((#@&= bLk gf/fo0f ;fx t]/xf}tf j8f g+ )$ , ;Kt/L !#,((#@*= :j= rGb]Zj/ k'"j]{ hd'gLjf; j8f g+ )$ , wg'iff !#,((#@(= dbg k|;fb pkfWofo gS6flemh j8f g+ )!, wg'iff !#,((#


#)= kmu'gL dxtf] 9Ns]a/ j8f g+ )^ , wg'iff !#,((##!= /fd afj' k|;fb ;fx hgsk'/ j8f g+ )# , wg'iff !#,((##@= k/d]Zj/ dxtf] gS6flemh j8f g+ )(, wg'iff !#,((###= lbg]z s'df/ /fo >Lk'/ j8f g+ )^ , ;nf{xL !#,((#

hDdf $,^!,*#(=))vl08s[t ^=%&;j{;fwf/0f !,(&,(##=*!

hDdf ^,%(,&&(=#*

-@ _ ;+:yfut ;+:yfksx?sf] xsdf pQm ;+:yfsf] ;+rfnsx?sf] gfd tyf 7]ufgfM gePsf] .

h_ lgisfzg ul/g] xsk|b z]o/ ;+Vof tyf To;sf] cg'kft M ;+:yfsf] xfn sfod r'Qmf s'n ;fwf/0f z]o/ ;+Vof ^,%(,&&(=#* -5 nfv pgfG;fl¶ xhf/ ;ft

;o pGgfgcl; / c8lt; _ lsQfsf] @ z]o/ a/fa/ ! z]o/ -@M!_ sf] cg'kftdf cyf{t ljBdfg b'O{ lsQf ;fwf/0f z]o/ a/fa/ Ps lsQf ;fwf/0f z]o/sf] b/n] k|lt z]o/ ?=!))÷— c+lst b/n] hDdf #,@(,**(=^( -ltg nfv pGgglt; xhf/ cf7 ;o pGgfgAa] bzdna pGgfg;Ql/_ lsQf xsk|b ;fwf/0f z]o/ lgisfzg ul/g]5 .

em_ xsk|b z]o/ lgisfzg ug]{ ;DaGwdf ;fwf/0f ;efn] u/]sf] lg0f{o tyf ;fwf/0f ;ef ;DkGg ePsf] ldlt Mxsk|b z]o/ lgisfzg ug]{ ;DaGwdf ;+:yfsf] gjf} jflif{s ;fwf/0f ;efn] u/]sf] lg0f{o M laif]z k|:tfj g+ @ adf]lhd xfn sfod r'Qmf k"FhLdf x'g] ;fwf/0f z]o/ ;+Vof -af]gz z]o/ k"FhLs[t eO{;s] kZrft_ sf] %) k|ltzt cyf{t ?= ltg s/f]8 pGglt; nfv c7fl; xhf/ gf} ;o pGg;Ql/ a/fa/sf] xsk|b z]o/ hf/L ug]{ egL lg0f{ofy{ k]z ePsf] laz]if k|:tfj ;efn] ;j{;Ddltn] kfl/t u¥of] . xsk|b z]o/ lgisfzg ug]{ ;DaGwdf ;fwf/0f ;ef ;DkGg ePsf] ldlt M @)&$ kf}if @( ut], zlgaf/, gjf} ;fwf/0f ;ef .

~f_ ;~rfns tyf sfo{sf/L k|d'vsf] gfd, 7]ufgf, z}lIfs of]Uotf tyf cg'ej M


!_ ljQLo ;+:yfsf] ;~rfns ;ldltdf xfn lgDg adf]lhdsf ;~rfnsx?sf] k|ltlglwTj /x]sf] 5 .

gfd kbpd]/ -jif{_

/fli6«otf 7]ufgfz]o/

:jfldTjlsQf

z}lIfs of]Uotf

cg'ej-;DalGwt jf cGo_

lzj k|;fb ;fx

cWoIf -;+:yfks ;d"x_

%^g]kfnL

hgsk'/ –(, wg'iff

!#,((# la=O{=

sG;N6]G;L -ldlynf sG;N6]G;L, hgsk'/ –(, wg'iff_ Joj;fodf @) jif{sf] / ldlynf n3'ljQdf & aif{ ;+rfns eO{ sfo{ u/]sf] cg'ej .

;+ho s'df/ ;fx

;~rfns -;+:yfks ;d"x_

$% g]kfnLhgsk'/ –(, wg'iff

!#,((# la=O{=, Pd=la=P=

:jtGq O{lGhlgo/, Jojzflos k/fdz{bftf sfo{df !) eGbf a9Lsf] tyf ldlynf n3'ljQdf # jif{ ;+rfns eO{ sfo{ u/]sf] cg'ej .

xl/ k|;fb sfˆn]


^%

g]kfnLl5/]Zj/gfy j8f g+ )% , wg'iff

!$,)^# la=P

s[lif ljsf; a}+sdf @( jif{ zfvf k|aGws ;d]t / Hof]lt ljsf; a}+sdf ^ aif{ zfvf k|aGws eO{ sfo{ u/]sf] tyf ldlynf n3'ljQdf @ aif{ ;+rfns eO{ sfo{ u/]sf] cg'ej .

/fd afa' ;fx ;'8L


%$ g]kfnL a6]Zj/ j8f g+ )*, wg'iff

!#,((# la=P= :jtGq s[lif Joj;fodf $) jif{sf] cg'ej tyf ldlynf n3'ljQdf @ jif{ eGbf jl9 ;+rfns eO{ sfo{ u/]sf] cg'ej .

dGbL/f cfrfo{

;~rfns -;j{ ;fwf/0f ;d"x_

#& g]kfnL g]qu~h j8f g+ )$, ;nf{xL

– cfO{=P= :jtGq s[lif Joj;fodf @) jif{sf] cg'ej tyf ldlynf n3'ljQdf # jif{ eGbf jl9 ;+rfns eO{ sfo{ u/]sf] cg'ej .

s[i0f s'= bf; syjlgof,

;~rfns -;j{;fwf/0f ;d"x_

$& g]kfnL 9Ns]a/ j8f g+= )%, wg'iff

#$$ P;=Pn=;L= 7]Ssf k§f, bf; ;Knfo;{ Joj;fodf !% jif{ tyf ldlynf n3'ljQdf # jif{ eGbf jl9 ;+rfns eO{ sfo{ u/]sf] cg'ej .

u :jtGq ;~rfns kb ! l/Qm /x]sf] 5 .@_ ljQLo ;+:yfsf] k|d'v sfo{sf/L clws[t ;DaGwL ljj/0f M

Gffd 7]ufgf z}lIfs of]Uotf cg'ej

;To b]j /fpt e]nxL – ^, ;nf{xL:gftsf]Q/ -Pd=sd=_

s[lif ljsf; a}+sdf pRr Joj:yfkg kbdf !$ aif{ tyf !@ aif{ zfvf k|aGws eO{ sfo{ u/]sf] cg'ej .


6_ ;~rfns ;ldltsf] agf}6 M != ljQLo ;+:yfsf] ;~rfnsx?sf] lgo'lQm / lgjf{rg k|rlnt a}+s tyf ljlQo ;+:yf ;DaGwL sfg'g tyf ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnLsf] clwgdf /xL aflif{s ;fwf/0f ;efaf6 x'g]5 . t/ Joj;flos ljz]if1 ;~rfnssf] lgo'lQm ;~rfns ;ldltn] ug]{5 . @= o; a}+sdf & hgfsf] ;~rfns ;ldlt x'g]5 . ;f] ;ldltdf ;d"xut k|ltlglwTj b]xfo adf]lhd x'g]5 .

;+:yfks ;d"x -;d"x æsÆ_ af6 lgjf{lrt $ -rf/_

;j{;fwf/0f ;d"x -;d"x ævÆ_ sf z]o/wgLx?af6 lgjf{lrt @ -b'O{_

g]kfn /fi6« a}+sn] sfod u/]sf] Jofj;flos ljz]if1af6 dgf]lgt ;+rfns ! -Ps_hDdf & -;ft_ hgf

;+rfnsx?sf] sfo{sfn $ jif{sf] x'g]5 .

7_ lng'kg]{ Go"gtd z]o/ ;+Vof / b/vf:t ;fy k7fpg' kg]{ k]ZsL /sdMxsk|b z]o/ lgisfzg k|of]hgsf] nflu ljQLo ;+:yfn] xsk|b z]o/sf] lgisfzg k"j{ ;fj{hlgs ;"rgf dfkm{t hfgsf/L u/fPsf] ldlt ;Dd sfod ePsf ;fljs z]o/wgLx?n] dfq cfˆgf] sfod xs cg';f/ b'O{ z]o/ a/fa/ Ps z]o/ -@M!_ sf] cg'kftdf k|lt z]o/ ?=!))÷—sf b/n] x'g cfpg] Psd'i6 gub /sd jf ;f] a/fa/sf] /sd lgisfzg a}+sdf hDdf u/]sf] ef}r/ jf a}+s 8«fˆ6 ;+nUg u/L cfj]bg lbg ;Sg]5g\ . ;fy} ;fljssf z]o/wgLn] cfkm'n] kfpg] xsk|b z]o/sf] cfwf/df vl/b÷b/vf:t ug{ kfpg] eGbf a9L z]o/ vl/bsf nflu b/vf:t lbg gldNg] t/ vl/b÷b/vf:t ug{ kfpg] eGbf sd z]o/ vl/bsf nfuL b/vf:t lbg rfx]df ;f] cg';f/ cfj]bg lbg ;Sg]5g / o;/L cfkm\gf] xs eGbf sd xsk|b z]o/ vl/bsf nflu cfj]bg lbg] z]o/wgLx?sf] xsdf b/vf:tdf dfu u/] adf]lhd g} xsk|b z]o/ afF8kmfF8 ul/g]5 .

8_ ;fljssf z]o/wgLx?n] xsk|b z]o/ vl/bsf nflu b/vf:t glbO{ afFsL /xg uPsf z]o/x?sf] ljs|L ug]{ ;DaGwL Joj:yf Mxsk|b z]o/ v'Nnf cjlwdf ;Dk"0f{ z]o/ laqmL geO{ z]o/ afFsL /xg uPdf To;/L afFsL /xg uPsf z]o/x?sf] ;DaGwdf ;+zf]lwt ælwtf]kq lgisfzg tyf afF8kmfF8 lgb]{lzsf @)&$Æ sf] clwgdf /lx ;+rfns ;ldltn] cToGt kf/bzL{ tl/sfåf/f -h:t} lnnfd a9fa9_ laqmL ul/g]5 . o;/L laqmL ubf{ vl/b ug{ rfxg] nufgLstf{x? ;a}nfO{ ;dfg cj;/ k|bfg ul/g]5 .

9_ xsk|b z]o/sf] cg'kft eGbf a9L z]o/ vl/b ug{ kfpg]÷gkfpg] ;DaGwL Joj:yf M ;fljssf z]o/wgLn] cfkm'n] kfpg] xsk|b z]o/sf] cfwf/df vl/b÷b/vf:t ug{ kfpg] eGbf a9L z]o/ vl/bsf nflu b/vf:t lbg gldNg] t/ vl/b÷b/vf:t ug{ kfpg] eGbf sd z]o/ vl/bsf nfuL b/vf:t lbg rfx]df ;f] cg';f/ cfj]bg lbg ;Sg]5g / o;/L cfkm\gf] xs eGbf sd xsk|b z]o/ vl/bsf nflu cfj]bg lbg] z]o/wgLx?sf] xsdf b/vf:tdf dfu u/] adf]lhd g} xsk|b z]o/ afF8kmfF8 ul/g]5 . ;fy} pk/f]Qm cg'kftdf z]o/ hf/L ubf{ z]o/wgLx?sf] lx:;fdf


v08Ls/0f x'g uPdf z]o/wgLn] rfx]df vl08t z]o/nfO{ k"0f{ lsQfsf] ?kdf gk'u /sd ;d]t hDdf u/L dflyNnf] k"0f{ c+sdf xsk|b z]o/sf nflu cfj]bg lbg ;Sg]5g\ . o;/L z]o/ afF8kmfF6 ubf{ ;d"xut 36a9 gx'g] u/L afF8kmfF6 ul/g]5 . o;/L afF8kmfF8 ubf{ ljQLo ;+:yfsf] k"+hL ;+/rgf kl/jt{g x'g] cj:yf cfPdf sDkgLsf] k|aGwkq tyf lgodfjnLdf cfjZos ;+zf]wg u/L yk lwtf]kqx? af]8{df btf{ ug{ ljQLo ;+:yfsf] jflif{s ;fwf/0f ;efjf6 lg0f{o ul/g]5 .

0f_ ;+ul7t ;+:yfsf] ljutsf] tyf cfufdL tLg jif{sf] k|If]lkt ljQLo ljj/0fsf ;fy} g]6jy{ M

jf;nft ?= xhf/df

l;= g++

kF"hL tyf bfloTj jf:tljs cf=a k|If]lkt cf=a=

@)&!÷&@ @)&@÷&# @)&#÷&$ @)&$÷&% @)&%÷&^ @)&^÷&& @)&&÷&*

! z]o/ kF"HfL ##,($* $!,*%^ ^%,(&* &@*&# !!#,*!@ !#^,%&$ !^#,**(

@ hu]8f tyf sf]ifx? #,&*^ %,((( &,(*^ !)%!* !&,*!% @(,!)) %%,&%*

# C0fkq tyf aG8 – – – – – – –

$ ltg{ afFsL shf{ ;fk6

!(^,@@! !(*,@^# @^@,)@( #^(^** %(!,%)! *@*,!)! !,!%(,#$!

% lgIf]k bfloTj @$,()# ^@,)$$ !!%,%!@ !&#%*% @*^,&)^ $)!,#*( %^!,($$

^ e'QmfgL lbg'kg]{{ lanx? – – – – – – –

& k|:tfljt nfef+z @(* ##( $%# #^# &*! !,!(* !,$#*

* cfos/ bfloTj @$) !)! #,^^! $!!) – – –

( cGo bfloTj %,))^ #,(() $,%** %#&) (,!%( !!,()^ !$,@*&

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

l;= g++

;DklQ jf:tljs cf=a k|If]lkt cf=a=

@)&!÷&@ @)&@÷&# @)&#÷&$ @)&$÷&% @)&%÷&^ @)&^÷&& @)&&÷&*

! gub df}Hbft $@) ^(& !,)!@ %!* !,$#$ $,)!$ !!,@#(

@ g]kfn /fi6« a+}sdf /x]sf] df}Hbft

!,!)) !#)) !()) #))) %,&#$ !@,)$@ @*,)(&

# a+}s÷ljQLo ;+:yfdf /x]sf] df}Hbft

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

$ dfu tyf cNk ;"rgfdf k|fKt x'g] /sd

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

% nufgL – – – !))) !,%)) !,*&% @,#$$


^ shf{ ;fk6L tyf lan vl/b

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

& l:y/ ;DklQ #,@!$ #,&*( $,@(( #^@( (,)&& !!,*)) !%,#$)

* u}x| a+}lsË ;DklQ – – – – – – –

( cGo ;DklQ %!@ !,)$& %,(@$ ^@%* !!,*$( !^,%** @#,@@$

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

* Joj:yfkgaf6 tof/ ul/Psf] k|If]kLt ljQLo ljj/0f rf6{8 Psfp06]06 >L P=a+zn P08 P;f]l;P6;\n] k'g/fjnf]sg u/L k|df0fLt ug{'ePsf] 5 .

gfkmf gf]S;fg lx;fasf] ljj/0f

?=xhf/df l;= g+=

ljj/0f jf:tljs cf=a k|If]lkt cf=a=

@)&!÷&@ @)&@÷&# @)&#÷&$ @)&$÷&% @)&%÷&^ @)&^÷&& @)&&÷&*

! Jofh cfDbfgL #),$(* $*,*(# ^*,(^& (!)%) !#(,((^ @)@,!$( @*#,))*

@ Jofh vr{ &,%*& !#,%%! @^,&^@ $&@*^ &),!## !)#,**@ !$%,$#$

v"b Jofh cfDbfgL @@,(!@ #%,#$@ $@,@)% $#&^$ ^(,*^# (*,@^& !#&,%&$# sldzg tyf l8:sfp06 – – – – – –

$ cGo ;~rfng cfDbfgL &,)&^ &,$#& *,@(( !$*!% @%,!&( #),#!^ $@,)^$

% ;6xL 36a9 cfDbfgL – – – – – – –

s"n ;~rfng cfDbfgL @(,(** $@,&&( %),%)$ %*%&( (%,)$@ !@*,%*# !&(,^#*

^ sd{rf/L vr{ (,#*^ !^,*!* @!,!(^ @$&$) #&,!!! $$,%## %#,$#(

& cGo ;~rfng vr{ $,(($ ^,(!@ !),%)^ !@)$( !*,)&) @!,)*$ @%,#)!

* ;6xL 36a9 gf]S;fg – – – – – – –

;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf

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

( ;Defljt gf]S;fgL Joj:yfx?

#,(@! $,($@ ^,!@* &(&! $,%$% &,%*@ !#,*@$

;~rfng d'gfkmf÷gf]S;fg !!,^** !$,!)^ !@,^&% !#*!* #%,#!& %%,#*% *&,)&$!) u}x| ;~rfng cfDbfgL÷gf]S;fg – – – – – – –!! ;Defljt gf]S;fgL

Joj:yfaf6 lkmtf{&@^ $# &%) !@$$ – – –

lgoldt sf/f]jf/x?af6 ePsf] d'gfkmf÷gf]S;fg

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


!@ c;fdfGo sf/f]jf/af6 ePsf] d'gfkmf÷vr{

– – – – – – –

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf÷gf]S;fg

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

!# sd{rf/L af]g; Jioj:yf !,!@( !,@*^ !,@@) !#^( #,@!! %,)#% &,(!^!$ cfos/ Joj:yf #,#(@ #,*^! #,%^! #()$ (,^#@ !%,!)% @#,&$&

o; jif{sf] s/ Joj:yf #,^@! $,@%! #,^^! $!!) (,^#@ !%,!)% @#,&$&

ljut jif{;Ddsf] s/ Joj:yf

– – $ – – –

o; jif{sf] :yug s/ -cfDbfgL÷vr{_

-@@(_ -#()_ -!)$_ -@)&_ -@))_ -@))_ -@))_

v'b gfkmf÷gf]S;fg &,*(# (,))# *,^$# (,&() @@,$&$ #%,@$% %%,$!)

z]o/ ;+Vof -xhf/df_ ##( $!( ^^) ^^) (() !!#* !#^^k|lt z]o/ cfDbfgL -?=_ @&=)( @!=%! !#=!) #=$# @@=&) #)=(& $)=%^

* Joj:yfkgaf6 tof/ ul/Psf] k|If]kLt ljQLo ljj/0f rf6{8 Psfp06]06 ;+:yf >L P=a+zn P08 P;f]l;o6\;n] k'g/fjnf]sg u/L k|df0fLt ug{'ePsf] 5 .

ljQLo ;+:yfsf] ljQLo Joj:yf / ;a} bfloTj ;fl/;s]kl5 v'b afFsL x'g] v'b ;DklQ -g]6jy{_ ?= xhf/df

ljj/0f af:tlas cf=a= k|If]lkt cf=a=

@)&!÷&@ @)&@÷&# @)&#÷&$ @)&$÷&% @)&%÷&^ @)&^÷&& @)&&÷&*

r'Qmf kF"hL ##,($* $!,*%^ ^%,(&* ^%,(&* !!#,*!@ !#^,%&$ !^#,**(

hu]8f tyf sf]ifx? #,&*^ %,((( &,(*^ !),%!* !&,*!% @(,!)) %%,&%*

hDdf #&,&#$ $&,*%% &#,(^$ &^,$(^ !#!,^@& !^%,^&$ @!(,^$&

36fp M ckn]vg ug{ afFls vr{ @#$ ^@$ &@* (#% !,)(& !,@(& !,$(&

s"n g]6jy{ #&,%)) $&,@#) &#,@#% &%%^! !#),%#) !^$,#&& @!*,!%)

z]o/ ;+Vof -xhf/df_ ##( $!( ^^) ^^) (() !!#* !#^^k|lt z]o/ g]6jy{ -?=_ !!)=)) !!#=)) !!!=)) !!$=$( !#@=)) !$$=)) !^)+=))

k|lt z]o/ r'Qmf kF"hL -?=_ !))=)) !))=)) !))=)) !))=)) !))=)) !))=)) !))=))

g]6jy{df cf}ift k|ltkmn -k|ltzt_

@!=)% !(=)^ !!=*) !@=(^ !&=@@ @!=$$ @%=$)

lgisfzg k"j{sf] k|lt z]o/ cfDbfgL (EPS) sfod /fVg a[l4 x'g] g]6jy{df cfjZos Go"gtd k|ltkmn M !@=@$%


ljQLo k|If]k0fsf cfwf/ tyf tl/sf M

ljj/0f @)&%÷&^ @)&^÷&& @)&&÷&*

!= s"n lgIf]kdf cf}ift j[l4b/ -k|ltztdf_ !$*=@)Ü $)=))Ü $)=))Ü

@= s"n shf{ tyf nufgLdf cf}ift j[l4b/ -k|ltztdf_ !!)=)*Ü $)=#^Ü $)=))Ü

#= s"n shf{ tyf lgIf]k cg'kft -k|ltztdf_ @!$=(*Ü @@@=^)Ü @@^=!)Ü

$= s"n cfodf cf}ift j[l4b/ -k|ltztdf_ !!#=&&Ü_ $)=&$Ü #(=*$Ü

%= s"n vr{df cf}ift j[l4b/ -k|ltztdf_ !)!=)%Ü #^=#^Ü #$=$)Ü

^= ;~rfng vr{ tyf s"n cfDbfgL cg'kft -k|ltztdf_ ##=$!Ü @*=@#Ü @$=@@Ü

&= lgIf]ksf] cf}ift Jofhb/ -k|ltztdf_ &=%)Ü &=%)Ü &=%)Ü

*= shf{ tyf ;fk6sf] cf}ift Jofhb/ -k|ltztdf_ !*=))Ü !*=))Ü !*=))Ü

(= cfos/ Joj:yf -k|ltztdf_ #)=))Ü #)=))Ü #)=))Ü

!)= j}wflgs t/ntf (SLR) @@=!*Ü !^=*#Ü !$=$$Ü

!!= t/ntf (CRR) @=))Ü #=))Ü %=))Ü

!@= kF"hL sf]if cg'kft (CAR) !#=@*Ü !%=##Ü @!=()Ü

gf]6 M o; ljQLo ;+:yfn] xsk|b z]o/ hf/L u/] kZrft !% lhNnfdf sfo{If]q lj:tf/ nufot Joj;fo lj:tf/ ug{] ePsf] x'gfn] k|If]lkt ljQLo ljj/0fsf] s]xL lzif{sx?df a[l4 ePsf] 5 .

cfufdL jif{x?sf] k|If]lkt ljQLo ljj/0fx? Joj:yfkg4f/f tof/ u/L rf6{8 PsfpG6]G6 ;+:yf >L P=a+zn P08 P;f]l;o6\;n] k'g/fjnf]sg u/L k|df0fLt ug{'ePsf] 5 ÷xf] . oL ljj/0fx? cf}lrTok"0f{ / oyfy{k/s /x]sf] ljQLo ;+:yfsf] pb\3f]if0f /x]sf] 5 . ;fy}, k|If]lkt ljQLo ljj/0fdf pNn]Vo km/s ePdf ;f]sf] sf/0f ;Dk"0f{ z]o/wgLx?nfO{ hfgsf/L u/fOg] 5 .

t_ ;+ul7t ;+:yfsf] kl5Nnf] aif{sf] n]vfk/LIf0f ePsf] jf;nft / gfkmf gf]S;fg lx;fasf] ljj/0f M

jf;nft@)&$ cfiff9 d;fGt

kF"hL tyf bfloTj ljj/0f ?=

z]o/ k"FhL &@,*&@,^##=))

hu]8f tyf sf]ifx? !),%!*,#@$=$(

C0fkq tyf aG8 –

ltg{ afFsL shf{ ;fk6 #^(,^*&,(#&=^%

lgIf]k bfloTj !&#,%*$,*!^=%)

e'QmfgL lbg' kg]{ lanx? –

k|:tfljt tyf e'QmfgL lbg afFsL nfefFz #^@,*&*=!*

cfos/ bfloTj $,!!),!#*=#&

cGo bfloTj %,#^(,*%^=!!

s'n k"FhL tyf bfloTj ^#^,%)^,%*$=@(


;DklQljj/0f ?=

gub df}Hbft %!*,)^(=@*

g]kfn /fi6« a}+sdf /x]sf] df}Hbft #,))),)))=))

a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft !(,$^%,)!@=&!

Dffu tyf cNk ;"rgfdf k|fKt x'g] /sd &,%@^,!)&=$%

NufgL !,))),)))=))

shf{ ;fk6 tyf ljN; vl/b %(%,!!!,@^@=^@

l:y/ ;DklQ #,^@*,%$^=&^

u}/ a}lsË ;DklQ –

cGo ;DklQ ^,@%&,%*%=$&

s'n ;DklQ ^#^,%)^,%*$=@(

gfkmf gf]S;fg lx;fa @)&$ >fj0f ! ut] b]lv @)&% cfiff9 d;fGt;Dd

ljj/0f ?= != Aofh cfDbfgL (!,)$(,%#^=#^

@= Jofh vr{ $&,@*%,(!(=)%

v'b Jofh cfDbfgL $#,&^#,^@)=#%

#= sldzg tyf l8:sfpG6

$= cGo ;~rfng cfDbfgL !$,*!$,(*!=#(

%= ;6xL 36a9 cfDbfgL –

s'n ;~rfng cfDbfgL %*,%&*,^)!=&$

^= sd{rf/L vr{ @$,&$),$$#=!&

&= cGo ;~rfng vr{ !@,)$*,(@#=!^

*= ;6xL 36a9 gf]S;fg –

;Defljt gf]S;fgL Joj:yf cl3sf] ;+rfng d'gfkmf @!,&*(,@#%=$!

(= ;Defljt gf]S;fgL Joj:yfx? &,(&),&%!=$!

;~rfng d'gfkmf !#,*!*,$*$=))

!)= u}x| ;~rfng cfDbfgL÷vr{ –

!!= ;Defljt gf]S;fgL Joj:yf af6 lkmtf{ !,@$$,#**=($

lgoldt sf/]jf/af6 ePsf] d'gfkmf !%,)^@,*&@=($

!@= c;dfGo sf/f]jf/af6 ePsf] cfDbfgL÷vr{ –

;Dk"0f{ sf/f]jf/ ;dfj]z kl5sf] v'b d'gfkmf !%,)^@,*&@=($

!#= sd{rf/L af]g; Joj:yf !,#^(,#%@=)(

!$= cfos/ Joj:yf #,()#,%&!=#&

– o; jif{ ;Ddsf] s/ Joj:yf $,!!),!#*=#&

– ut jif{sf] s/ Joj:yf

– o; jif{sf] :yug s/ cfDbfgL÷vr{ -@)^,%^&=))_

v'b gfkmf÷gf]S;fg (,&*(,($(=$(


gfkmf gf]S;fg afF8kmFf8 lx;fa@)&$ >fj0f ! ut] b]lv @)&% cfiff9 d;fGt;Ddsf]

lja/0f

cfDbfgL!= ut jif{sf] ;+lrt d'gfkmf ^)),(#(,&#

@= o; aif{sf] d'gfkmf &*(($(=$(#= k"hL ;dfof]hg sf]if af6 lkmtf{ –$=:yug s/ hu]8f –%=k"hLut hu]8faf6 lkmtf{ –^= z]o/ lk|ldodaf6 lkmtf{

HDdf !)#()**(=@@vr{ –!= ut jif{;Ddsf] ;+lrt gf]S;fgL –@= o; jif{sf] gf]S;fgL –#= ;fwf/0f hu]8fsf]if !(%&(*(=()

$= e}k/L cfpg] hu]8f –

%= ;+:yf ljsf; sf]if –

^= nfef+; ;dLs/0f sf]if –

&= sd{rf/L ;DjGwL hu]8fx? –

*= k|:tfljt gub nfef+z #^@,*&*=!*

(= k|:tfljt jf]g; z]o/ hf/L ^,*($,^(%=))!)= ljz]if hu]8f sf]if –!!= ;6xL 36a9 sf]if –

!@= k"hL lkmtf{ hu]8f sf]if –!#= k'hL ;dfof]hg sf]if –

!$= ;b:o ;'/If0f sf]if (&,*((=$(

!% :yug s/ sf]if @)^,%^&=))

!^= nufgL ;dfof]hg sf]if (&,*((=$(

hDdf (^!&(@(=)&

;l~rt d'gfkmf÷-gf]S;fg_ &&@,(^)=!%

y_ ;+ul7t ;+:Yffn] ug]{ ePsf] sfddf lglxt ;Deflat hf]lvdx? M s_ gofF a}+s tyf ljQLo ;+:yfx?sf] k|j]zaf6 pTkGg x'g] k|lt:kwf{af6 x'g;Sg] hf]lvdx? . v_ ljQLo ;+:yfn] k|bfg u/]sf] shf{ tyf ;fk6 v/fa shf{df kl/0ft x'g uPdf x'g] hf]lvdx? . u_ b]zsf] /fhg}lts cl:y/tfaf6 cfpg ;Sg] hf]lvdx? . 3_ b]zsf] cfly{s cj:yfdf cfpg] ptf/–r9fjaf6 x'g;Sg] hf]lvdx? . ª_ g]kfn ;/sf/ tyf g]kfn /fi6« a}+ssf] cfly{s tyf ljQLo gLlt lgoddf x'g] kl/jt{gaf6 >[hgf

x'g;Sg] hf]lvdx? . r_ lgIf]k tyf shf{sf] Jofhb/df cfpg] kl/jt{gaf6 x'g;Sg] hf]lvdx? . 5_ k"FhL ahf/sf] cj:yfdf cfpg] ptf/–r9fjaf6 kg{ ;Sg] hf]lvdx? .


h_ cGt/fl{i6«o ahf/df x'g] dGbLaf6 g]kfnL ahf/df kg{;Sg] c;/af6 x'g;Sg] cfly{s hf]lvdx? . em_ b]zsf] df}lb|s gLlt nufot g]kfn /fi6« a}+sn] ug]{ lgod lgb]{zgsf] ck|Toflzt kl/jt{gaf6 l;h{gf

x'g] ;Defljt hf]lvdx? . ̀ _ b]zsf] j}b]lzs gLltdf x'g ;Sg] kl/jt{gaf6 pTkGg x'g ;Sg] ;Defljt hf]lvdx? . 6_ lab]zL lalgdo sf/f]af/ ubf{ lalgdo b/df x'g] yk36af6 pTkGg x'g ;Sg] hf]lvdx? .

ljQLo ;+:yfsf] shf{ tyf nufgL v/fa eO{ x'g;Sg] hf]lvdx?sf] nflu ljQLo ;+:yfn] shf{ tyf nufgL hf]lvd sf]ifsf] Joj:yf ug]{5 . ljQLo ;+:yfn] ljQ ahf/df x'g] k|lt:kwf{sf] nflu hgzlQm ljsf;df Wofg k'¥ofpg'sf] ;fy} cGo Jofj;flos hf]lvdx?af6 l;h{gf x'g;Sg] xflg–gf]S;fgLsf] nflu Joj:yfkg rgfvf] eO{ ;Defljt xflg–gf]S;fgL axg ug{ ;Ifd / k|lta4 5 .

lwtf]kqsf] d"No kl/jt{g ;DjGwL hf]lvd ?=!))÷— k|lt z]o/sf b/n] lgisfzg ul/Psf] z]o/ d"Non] ;"rLs/0f kZrft g]kfn :6s PS;r]Gh

lnld6]8df x'g] sf/f]jf/ d"No ghgfpg] ePsf]n] z]o/ d"Nodf x'g ;Sg] kl/jt{gsf] hf]lvd /x]sf] 5 .

b_ z]o/ afF8kmfF8 ;DaGwL Joj:yf M o; ljj/0f dfkm{t lgisfzg ul/g] xsk|b ;fwf/0f z]o/ lwtf]kq lgisfzg tyf afF8kmfF8 lgb{]lzsf,

@)&$ n] lgwf{l/t u/]sf] ;doleq xsk|b z]o/sf] afF8kmFf8 u/L afF8kmfF6 ePsf ;"rgf /fli6«o :t/sf] b}lgs klqsfdf ;"rgf k|sflzt ul/g]5 . ;fy} g]kfn :6s PS;r]~h lnld6]8df ;"rLs/0f eP kZrft l;l8P; P08 lSnol/Ë lnld6]8df btf{ u/L afF8kmfF6 ePsf] xsk|b z]o/ ef}lts k|df0fkq/lxt u/L ljB'tLo ¿kdf z]o/wgLsf] l8Dof6 vftfdf hDdf u/L vl/b laqmLsf] Joj:yf ldnfOg]5 .

w_ ;+ul7t ;+:yfsf] k|aGwkq lgodfjnL, kl5Nnf] jif{sf] n]vf k/LIf0f ePsf] jf;nft, gfkmf gf]S;fg lx;fa, n]vf k/LIf0f k|ltj]bg lg/LIf0f ug{ kfOg] ;do / :yfg M

sfof{no ;do leq lgDg lnlvt :yfgx?df ljQLo ;+:yfsf] pk/f]Qm ljj/0fx? lg/LIf0f ug{ ;lsg]5M != >L sf7df08f} Soflk6n dfs]{6 lnld6]8 ,sdnflb, sf7df08f} Knfhf, sf7df08f} . @= >L ldlynf n3'ljQ ljlQo ;+:yf lnld6]8, ldlynf gu/kflnsf—^, 9Ns]a/ tyf ;Dk"0f{ zfvf. g_ lgisfzg x'g] lwtf]kq k|Tofe"lt u/]sf] eP ;f] sf] ljj/0f lgisfzg x'g] lwtf]kq k|Tofe"lt gePsf] k_ z]o/ ;"rLs/0f u/fpg] ;DaGwL Joj:yf M o; ljj/0f cg';f/ ;fljs z]o/wgLx?nfO{ hf/L ul/Psf xsk|b ;fwf/0f z]o/x? afF8kmfF8 u/] kZrft

g]kfn lwtf]kq af]8{sf] k|rlnt lwtf]kq lgisfzg lgb]{lzsfdf ePsf] Joj:yf cg';f/ g]kfn :6s PS;r]Gh lnld6]8df k|rlnt ;"rLs/0f ;DaGwL Joj:yfdf ePsf] k|fjwfg cg';f/ ;"rLs/0f u/fO{ l;l8P; P08 lSnol/Ë lnld6]8df btf{ u/L afF8kmfF6 ePsf] xsk|b z]o/ ef}lts k|df0fkq/lxt u/L ljB'tLo ¿kdf z]o/wgLsf] l8Dof6 vftfdf hDdf u/L vl/b laqmLsf] Joj:yf ldnfOg]5 .

km_ ;+ul7t ;+:yfsf] sf/f]jf/df c;/ kg]{ s'g} ljjfb÷d'2f dfldnf eP ;f] sf] ljj/0f M ljQLo ;+:yfsf] b}lgs sf/f]jf/df c;/ kg]{ s'g} ljjfb d'2f dfldnf gePsf] .


a_ xsk|b z]o/ vl/b ug{ rfxg] z]o/wgLx?n] kfngf ug{‘kg{] d'Vo s'/fx? Ms_ xsk|b z]o/ vl/b ug{sf nflu xsk|b z]o/sf] lgisfzg k"j{ ljQLo ;+:yfn] ;fj{hlgs ;"rgf dfkm{t

hfgsf/L u/fPsf] ldlt ;Dddf z]o/ vl/b u/L sfod ePsf ;fljs z]o/wgLx?n] dfq z]o/ vl/b ug{ cfj]bg lbg kfpg]5g\ .

v_ cfj]bssf] k'/f gfd -c+u|]hL tyf g]kfnL_ k"0f{ ?kn] eg'{kg]{5 .u_ xsk|b z]o/ vl/b ug{sf nflu cfj]bg lb+bf cfk\mgf] gfddf btf{ /x]sf] z]o/ ;+Vof, z]o/ k|df0fkq gDa/,

z]o/wgL gDa/ tyf cfkm"n] lng rfx]sf] xsk|b z]o/ ;+Vof ;d]t vf]nL ljQLo ;+:yfn] tf]lsPsf] 9fFrfsf] cfj]bg kmf/d e/L b/vf:t lbg' kg{]5 .

3_ xsk|b z]o/sf nflu cfj]bg lb+bf cfkm"n]] lng rfx]sf] z]o/ ;+Vof jfkt k|lt z]o/ ?=!))÷— sf b/n] x'g] Psd'i6 /sd tf]lsPsf] ;+sng s]Gb|x? Jff lgisfzg ljQLo ;+:yfsf] vftfdf hDdf u/L ;f] sf] ;Ssn ef}r/ ;fy} /fvL cfj]bg lbg' kg{]5 . ;fy} z]o/ cfj]bg lb+bf z]o/wgLx?n] cfj]bg lbg kfpg] z]o/ ;+Vof v08Ls/0f x'g uPdf z]o/wgLn] vl08t z]o/nfO{ k"0f{ lsQfsf] ?kdf gk'u /sd ;d]t hDdf u/L dflyNnf] k"0f{ c+sdf xsk|b z]o/sf nflu cfj]bg lbg ;Sg]5g\ .

ª_ ;+o"Qm gfddf /x]sf ;fljs z]o/wgLx?n] cfj]bg lb+bf ;+o'Qm ?kdf g} xsk|b z]o/ vl/bsf nflu b/vf:t lbg' kg{]5 .

r_ xsk|b z]o/ afF8kmFf8 ubf{ h'g ;d'xsf] z]o/wgL xf] ;f] z]o/wgLnfO{ ;f]xL ;d'xsf] z]o/sf] cg'kftdf afF8kmFf6 ul/g]5 .

5_ tf]lsPsf] ;do leq xsk|b z]o/ vl/bsf nflu cfj]bg k]z gug{] tyf b/vf:t ;fy z]o/ jfktsf] /sd bflvnf gug{] ;fljs z]o/wgLx?n] kl5 xsk|b z]o/sf] nflu s'g} lsl;dsf] bfjL ug{ kfpg] 5}g .

h_ afF8kmfF6 ePsf] z]o/ ;DalGwt z]o/wgLx?nfO{ lwtf]kqsf] k|df0fkq ljt/0f gu/L cef}lts ?kdf l8Dof6 vftfdf hDdf ug]{ Joj:yf ldnfO{g]5 .

em_ k|To]s z]o/wgLn] ef}lts tyf cef}lts -l8Dof6_ ?kdf /x]sf] z]o/ cg';f/ xsk|b z]o/ ebf{ cfj]bssf] z]o/ ef}lts tyf cef}lts -l8Dof6_ h'g ?kdf sfod /x]sf] ePtfklg Pp6} cfj]bg kmf/d dfkm{t b/vf:t lbg ;Sg]5g\ .

`_ xsk|b z]o/ ;DaGwL s'g} ljjfb ePdf jf k/]df ljQLo ;+:yfsf] ;+rfns ;ldltn] u/]sf] lg0f{o clGtd x'g]5 .

e_ cfˆgf] xs cGo JolQmnfO{ x:tfGt/0f ug]{ u/L dgf]gog u/]sf] cj:yfdf kfngf ug'{kg]{ s'/fx? M ljQLo ;+:yfsf] k|aGwkq tyf lgodfjnLdf cfˆgf] xs cGo JolQmnfO{ x:tfGt/0f ug]{ Aoj:yf gePsf] .d_ ;+ul7t ;+:yfsf] n]vfkl/Ifs, sDkgL ;lrj, ljlQo ljj/0f k|If]k0f ug]{ ljz]if1, k|If]lkt ljj/0fsf]

k|If]k0f÷cg'dfgsf] cfwf/ tyf tl/sf af/] k'g/fjnf]sg u/L ;Gt'i6 ePsf] /fo JoQm ug]{ ljz]if1, æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ tof/ ug]{ ljz]if1 tyf lgisfzg tyf lasL| k|aGwssf] gfd 7]ufgf pNn]v ug'[kg]{ M

!= ljQLo ;+:yfsf] cf=j= @)&$÷&% sf] n]vfk/LIf0f sfo{ e§ P08 sDklg rf6{8{ PsfpG6]G6;\n] ug'{ ePsf] 5 .

@= ljQLo ;+:yfsf] sDkgL ;lrjdf >L dx]z s'df/ rf}w/L x'g'x'G5 .#= ljQLo ;+:yfsf] ljQLo ljj/0f k|If]k0f ljut aif{sf] sf/f]jf/sf] cfwf/df ljQLo ;+:yf cfkm}n] tof/

u/]sf] xf] . pQm k|If]lkt ljQLo ljj/0fx? oyfy{k/s ePsf] Joxf]/f >L P=a+zn= P08 P;f]l;P6;\, rf6{8{ PsfpG6]G6;\n] k|dfl0ft ug'{ ePsf] 5 .

$= of] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ Aoa;flos ;+:yf sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnflb, sf7df08f} Knfhf, sf7df08f}n] tof/ u/]sf] xf] .


%= o; xsk|b z]o/ lgisfzgsf nflu lwtf]kq lgisfzg tyf ljqmL k|aGwsdf g]kfn lwtf]kq af]8{af6 lgisfzg tyf laqmL k|aGwssf] k|df0fkq k|fKt lwtf]kq Joj;foL sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnflb, sf7df08f} Knfhf, sf7df08f}} /x]s]f 5 .

o_ xsk|b z]o/ hf/L ug'{sf] p2]ZoM != xsk|b z]o/ hf/L ug'{sf] p2]Zo tyf of]hgf Ms_ o; ljQLo ;+:yfsf] gjf}+ jflif{s ;fwf/0faf6 kfl/t u/] adf]lhd ;+rfns ;ldltn] l;kmfl/; u/] cg';f/

af]gz z]o/ hf/L kZrft @M! sf b/n] xsk|b z]o/ hf/L u/L ljQLo ;+:yfsf] r'Qmf kF'hL a[l4 ug{ . v_ ljQLo ;+:yfn] ;]jf lj:tf/ ug]{ qmddf nufgL a9fpg tyf ljQLo Pj+ cfly{s ultljlwnfO{ lj:tf/

ug{sf nflu cfjZos k"FhL ;+sng ug{ . u_ ;+:yfsf] k|aGwkq tyf lgodfjnLdf pNn]v ul/Psf] p2]Zox? cg'?k ug'[kg]{ sfo{x?sf] nflu cfjZos

k"FhL h'6fpg . @= lgisfzgaf6 k|fKt x'g] s'n /sd ;DjGwdf ljQLo ?kdf :ki6 v'n]sf] pkof]u of]hgf ;lxtsf] of]hgf M o; ljQLo ;+:yfsf] k|jGwkq tyf lgodfjnLdf Joj:yf eP adf]lhd hf/L a[l4 eO{ ;f]xL adf]lhdsf]

r'Qmf k"FhL a[l4 ug{' kg]{ ePsf] tyf ljQLo ;+:yfsf] cGo Jofj;flos sfo{ ug{ k"FhLsf] cfjZos x'g] ePsf] x'gfn] r'Qmf k"FhL j[l4 ug{ xsk|b z]o/ hf/L ul/Psf] 5 . h;nfO{ lgDg cg';f/ pkof]u ug]{ a}+ssf] of]hgf /x]sf] 5 .

s|=;+= lzif{s /sd ?=! shf{ tyf ;fk6 #,)),)),)))@ zfvf lj:tf/ @(,**,(^(

hDdf #,@(,**,(^(

/_ xsk|b z]o/ laqmL v'Nnf cjlw M o; ljj/0f4f/f lgisfzg ul/Psf] xsk|b ;fwf/0f z]o/sf] nflu cfj]bg lbg] Dofb xsk|b z]o/sf] laqmL

v'NNff ePsf] ldltn] #% -k}+tL;_ lbg x'g]5 . xsk|b z]o/sf] lgisfzg tyf laqmL v'Nnf cjlw lwtf]kq btf{ tyf lgisf;g lgodfjnL, @)&# sf] clwgdf /xL g]kfn lwtf]kq af]8{nfO{ hfgsf/L lbO{ ljQLo ;+:yfsf] ;+rfns ;ldltsf] lg0f{o adf]lhd clwstd !% lbg ;Dd yk ug{ ;Sg]5 .

n_ xsk|b z]o/ v/Lbsf nflu b/vf:t kfOg], /sd hDdf ug]{ / cfj]bg a'emfpg] :yfgx?sf ;fy} xsk|b z]o/ v/Lbsf] nflu tof/ ul/Psf] æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ k|fKt ug{ jf x]g{ ;Sg] :yfgx? M

s_ xsk|b z]o/ lgisfzgsf] nflu k|sflzt æxsk|b z]o/ lgisfzg ;DaGwL Aoa:yf tyf ljj/0fx?Æ nufgL stf{x?n] ;xh ?kdf x]g{ ;Sg] / pgLx?nfO{ ;'lrt lg0f{odf k'Ug ;xh ug]{ p4]Zon] ;+:yfsf] j]e;fO6 tyf lgisfzg tyf lalqm k|aGwssf] j]e;fO6df lwtf]kq laqmL aGb geP;Dd /flvg]5 . ;fy} ;f]sf] Ps k|lt (Soft Copy) g]kfn lwtf]kq af]8{sf] j]e;fO6df /fVg ;d]t pknAw u/fOg]5 .

v_ ;++:yfsf] /lhi68{ -s]Gb|Lo_ sfof{no 9Ns]a/—^, wg'iff nufot cGo zfvfx? tyf lwtf]kq lgisfzg tyf ljqmL k|aGws sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnflb, sf7df08f} Knfhf, sf7df08f}df sfof{no ;do leq ;Dks{ /flv æxsk|b z]o/ lgisfzg ;DaGwL Joj:yf tyf ljj/0fx?Æ x]g{ jf k|fKt ug{, lgj]bg lbg tyf /sd a'emfpg ;lsg]5 . pNn]lvt :yfgx? afx]s cGo :yfgaf6 lgj]bg lbg rfxg]x?n] lwtf]kq lgisfzg aGb x'g' eGbf cl3sf] ldltdf sf7df08f} Soflk6n dfs]{6 lnld6]8sf] gfddf lvlrPsf] Psfp06k]oL (A/C Payee) 8«fˆ6sf ;fy z]o/sf] b/vf:t kmf/d g]kfn ;/sf/ x'nfs ;]jf


dfkm{t /lhi6«L u/L jf s'/Lo/ dfkm{t sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnflb, sf7df08f} Knfhf, sf7df08f}df k7fPsf lgj]bgx?nfO{ dfq afF8kmfF6df ;dfj]z ul/g] 5 . z]o/ ljqmL aGb ePsf] & -;ft_ lbg kl5 k|fKt 8«f6 / cfj]bg kmf/dnfO{ afF8kmfF6df ;dfj]z ul/g] 5}g .

u_ xsk|b z]o/ lgisfzgsf] qmddf z]o/wgLsf] ;+Vof / 7]ufgfnfO{ cfwf/ dfgL z]o/wgLx?sf] kxF'r x'g] u/L dfly bkmf -u_ df pNn]lvt sDkgLsf ;Dk"0f{ zfvfx? tyf z]o/ lgisfzg tyf laqmL k|aGws >L sf7df08f} Soflk6n dfs]{6 lnld6]8, sdnflb, sf7df08f} Knfhf, sf7df8f+}df xsk|b z]o/sf] cfj]bg a'emfpg ;Sg]5g\ . ;fy} b/vf:t kmf/fdsf] xsdf cfj]bsx?n] sf7df08f} Soflk6n dfs]{6 lnld6]8sf] j]j;fO{6 www.kcml.com.np / sDkgLsf] j]j;fO{6 www.mlbbank.com.np af6 Download

ul/ e/]/] tf]lsPsf] ;+sng s]Gb|df a'emfpg ;lsg]5 .3_ lgisfzg a}+s (Banker to the Issue) sf] gfd tyf 7]ufgf M o; xsk|b lgisfzgsf] nflu b]xfosf a}+snfO{ lgisfzg a}+ssf] ?kdf lgo'Qm ul/Psf] 5 .

l;=g+= lgisfzg a}+ssf] gfd, 7]ufgf 7]ufgf

!= >L a}+s ckm sf7df08f}, sdnfbL, sf7df08f}+

ª_ z]o/wgLx?n] cfkm\gf] xs;DaGwL ljj/0f lgisfzgstf{ sDkgL tyf lgisfzg tyf ljqmL k|aGwssf] j]j;fO{6df x]g{ ;Sg] Joj:yf ul/Psf] 5 .

j_ cfˆgf] Joj;fo;Fu ;DjlGwt P]g, lgod, sDkgL P]g tyf cGo lgodg lgsfon] lbPsf] lgb]{zgx?sf] k"0f{ kfngf u/]sf] ;DaGwL pb\3f]if0f Ms_ ;+:yfn] cfkm"n] ug]{ Joj;fo;Fu ;DjlGwt P]g, lgod, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&#,

sDkgL P]g, @)^# tyf cGo lgodg lgsfon] lbPsf] lgb]{zgx?sf] k"0f{ ?kdf kfngf ul/Psf] 5 / ;f]xL bfo/f leq /xL cfˆgf] sf/f]jf/ ub}{ cfO/x]sf] 5 . ;fy}, o; ;+:yfsf ;~rfns Pj+ ;+:yfksx? sDkgL P]g, @)^#, a}+s tyf ljQLo ;+:yf ;DaGwL P]g, @)&# tyf cGo k|rlnt g]kfn sfg"gdf ePsf] Joj:yf cg';f/ sfnf];"rLdf ;dfj]z g/xg'sf ;fy} cof]Uo g/x]sf] pb\3f]if0f a}+ssf] /x]sf] 5 .

v_ qm]l86 /]l6Ë ;DalGw ljj/0f M o; sDkgLn] hf/L ug{ nfu]sf] xsk|b z]o/ lgisfzgnfO{ s]o/ /]l6Ë g]kfn lnld6]8n] ldlt

@)&%÷)%÷@& ut] cf};t eGbf tn (Below Average Fundamentals) hgfpg] "CARE-NP IPO Grade 4" u]|l8Ë k|bfg u/]sf] 5 .

u_ o; ljQLo ;+:yfsf] ljj/0f sDkgL /lhi6«f/ sfof{nodf cfly{s aif{ @)&#÷)&$ ;Dd cWofjlws ul/;s]sf] 5 .

z_ kl5Nnf] # jif{sf] jflif{s tyf kl5Nnf] # dlxgfsf] dfl;s sf/f]jf/sf] clwstd, Go"gtd, clGtd ahf/ d"Nosf ;fy} sf/f]jf/ ePsf] ;+Vof ;DaGwL ljj/0f M

kl5Nnf] # aif{df ePsf] z]o/ sf/f]af/sf] ljj/0f Mcf=a= clwstd z]o/

d'No -?_Go"gtd z]o/

d'No -?_clGtd ahf/

d'No -?_z]o/ sf/f]af/

;+Vof -xhf/df_

@)&@÷)&# #)#& (#@ @*%) #*(&!@)&#÷)&$ @&(# ^$* !@(! $*#!&@)&$÷)&% !$*) *#) !)!% %($^)


kl5Nnf] # dlxgfdf ePsf] z]o/ sf/f]af/sf] ljj/0f M

dlxgf clwstd z]o/ d'No -?_

Go"gtd z]o/d'No -?_

clGtd ahf/ d'No -?_

z]o/ sf/f]af/;+Vof

@)&% sflQs *&% *%% *%% %!&

@)&% d+l;/ *%* &&! *%* @%(

@)&% kf}if (%% *)% *)% *^@^

if_ o; æxsk|b z]o/ lgisfzg ;DaGwL Joa:yf tyf ljj/0fx?Æ df pNn]v ePsf] ljj/0fx? tYok"0f{ 5g\, ;f] df s'g} km/s k/]df xfdL ;~rfnsx? k"0f{ ?kdf lhDd]jf/ x'g]5f}}+ egL ;lx5fk ug]{ ;~rfnsx?sf] gfd tyf b:tvt .

qm=;+= ;~rfnsx?sf] gfd Kfb tyf ;d'x b:tvt

!= >L lzj k|;fb ;fx cWoIf -;+:yfks z]o/wgL ;d"x_

@= >L ;+ho s'df/ ;fx ;+rfns -;+:yfks z]o/wgL ;d"x_

#= >L xl/ k|;fb sfkm\n] ;+rfns -;+:yfks z]o/wgL ;d"x_

$= >L /fd afa' ;fx ;'l8 ;+rfns -;+:yfks z]o/wgL ;d"x_

%= >L dGbL/f cfrfo{ ;+rfns -;j{;fwf/0f z]o/wgL ;d"x_

^ >L s[i0f s'df/ bf; syjlgof ;~rfns -;j{;fwf/0f z]o/wgL ;d"x_

;_ lgisfzg tyf las|L k|aGwssf] pb\3f]if0f

xfdLnfO{ ldlynf n3'ljQ ljQLo ;+:yf lnld6]8 tyf o;sf ;+:yfks÷;+rfnsx?n] pknAw

u/fPsf] ljj/0f tyf hfgsf/Lx?sf] cfwf/df To; ;+:yfsf] Joj:yfksLo, k|fljlws / cfly{s kIfsf]

ljZn]if0ffTds cWoogaf6 xfdL ;Gt'i6 x'g'sf] ;fy} æxsk|b z]o/ lgisfzg ;DaGwL JoJf:yf

tyf ljj/0fx?Æ df n]lvPsf cfly{s ljj/0fx? / cGo hfgsf/L tYout, k"0f{ / ;xL b]lvPsf]n]

nufgLstf{x?nfO{ nufgL ;DaGwL lg0f{o lng d2t k'Ug] s'/f k|lt ljZj:t eO{ xfdLn] of] æxsk|b z]o/

lgisfzg ;DaGwL Aoa:yf tyf ljj/0fx?Æ :jLs[ltsf nflu g]kfn lwtf]kq af]8{df ælwtf]kq ;DaGwL

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