sf] bf];|f] aflif {s ;fwf/0f ;ef ;DaGwL ; rgf · x'+bf z ]o/wgL dxfg 'efjn ] cfˆgf ] kl/ro kq clgjfo { ¿kdf k |:t 't ul/lbg ' x 'g cg '/f ]w 5 . $= k|ltlglw -k |f]S;L_ lgo 'Qm ug

$Page 1: sf] bf];|f] aflif {s ;fwf/0f ;ef ;DaGwL ; rgf · x'+bf z ]o/wgL dxfg 'efjn ] cfˆgf ] kl/ro kq clgjfo { ¿kdf k |:t 't ul/lbg ' x 'g cg '/f ]w 5 . $= k|ltlglw -k |f]S;L_ lgo 'Qm ug$
bf];|f] jflif{s k|ltj]bg )^%÷)^^ 1

/lhi68{ s]Gb|Lo sfof{no M jfUdtL c~rn, sf7df08f} lhNnfsf7df08f} dxfgu/kflnsf j8f g+=–@$, gofF;8s

kmf]g g+ $–@###** km\ofS; g+=$@###()

sf]

bf];|f] aflif{s ;fwf/0f ;ef ;DaGwL ;"rgf

ldlt @)^^÷*÷@) ut] -tb\g';f/ % l8;]Dj/ @))(_ ut] a;]sf] ;+rfns ;ldltsf] &$ cf}+ a}7ssf] lg0f{ofg';f/ o; a}+ssf] bf];|f] aflif{s ;fwf/0f;ef lgDg lnlvt 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] pkl:yltsf] nflu of] ;"rgf k|sflzt ul/Psf] 5 .

;ef x'g] ldlt, :yfg / ;do M

;ef x'g] ldlt M @)^^÷(÷@! ut] d+unjf/ - tb\g';f/ % hgj/L @)!)_ .:yfg M g]kfn k|1f k|lti7fg;ef z'? x'g] ;do M ljxfg !! ah] .

5nkmnsf ljifox? M!= cfly{s jif{ @)^%÷^^ sf] ;+rfns ;ldltsf] k|ltj]bg kfl/t ug]{ .@= n]vfk/LIfssf] k|ltj]bg ;lxt @)^^ cfiff9 d;fGtsf] jf;nft tyf ldlt @)^%÷$÷! b]lv @)^^÷#÷#! ;Ddsf]] gfkmf gf]S;fg lx;fj / ;f]xL

cjlwsf] gub k|jfx ljj/0f :jLs[t ug]{ .#= sDkgL P]g, @)^# sf] bkmf !!! cg';f/ cfly{s aif{ @)^^÷^& sf] n]vfk/LIf0f ug{ n]vfk/LIfs lgo'Qm ug]{ / lghsf] kfl/>lds

lgwf{/0f ug]{ -jt{dfg n]vf k/LIfs afF:sf]6f P08 s+DkgL k'gM lgo'Qm x'g ;Sg]_ .$= a}+ssf] lgodfjnL cg';f/ ;d"x ævÆ sf ;j{;fwf/0f z]o/ wgLx?sf] tkm{af6 ;+rfns ;ldltdf k|ltlglwTj x'g] ;+rfns kb @ sf] lgjf{rg ug]{ .%= ;+rfnsx?sf] a}7s eQf tyf ;'ljwf tf]Sg] ;DjGwdf .^= laz]if k|:tfjx? M

s_ a}+ssf] hf/L tyf r'Qmf k"FhL a[l4 ug{ xfn sfod /x]sf] r'Qmf k"FhLsf] !) k|ltzt af]g; z]o/ hf/L ug]{ tyf af]g; z]o/sf] nfef+z s/sf]k|of]hgsf] nflu gub nfef+z )=%@^ k|ltzt ljt/0f ug]{ k|:tfj kfl/t ug]{ .

v_ a} +ssf] at{dfg hf/L k" FhL ¿= !,%),)),)),)))÷– -Ps c/a krf; s/f]8_ af6 a[l4 u/L ?= @,@),)),)),)))÷–-b'O{ c/a la; s/f]8_ k'¥ofpg] .

u_ a}+ssf] jt{dfg r'Qmf k"FhL ¿= !,)),)),)),)))÷– -Ps c/a_ df !) k|ltzt af]g; z]o/ hf/L ul/ ;s] kZrft x'g cfpg] r'Qmf k"FhL¿= !,!),)),)),)))÷– -Ps c/a bz s/f]8_ sf] !M! cyf{t -Ps z]o/ a/fa/ Ps_ sf b/n] xsk|b z]o/ hf/L u/L ;+:yfksz]o/wgLx¿af6 k|fKt Calls in Advance df /x]sf] /sd ¿= !^,#&,%%,)))÷– -;f]¥x s/f]8 ;}tL; nfv krkGg xhf/_ nfO{ r'Qmfk"FhLdf ;dfof]hg u/L a}+ssf] hf/L tyf r'Qmf k"FhL ¿= @,@),)),)),)))÷– -b'O{ c/a la; s/f]8_ k'¥ofpg l:js[t ug]{ .

3_ a}+ssf] k|jGw kq tyf lgodfjnL ;+zf]wg :jLs[lt k|bfg ug]{ . k|:tfljt ;+zf]wgdf lgodgsf/L lgsfoaf6 s'g} km]/jbn tyf ;'emfj ePdf;f] ;'emfj adf]lhd cfjZos km]/jbn ug{ a}+ssf] ;+rfns ;ldltnfO{ clVtof/L lbg] k|:tfj kfl/t ug]{ .

&= laljw .

cf1fn];Gtf]if a/fnsDkgL ;lrj

2 bf];|f] jflif{s k|ltj]bg )^%÷)^^

;fwf/0f ;ef ;DaGwL ;fdfGo hfgsf/Lx¿ M

!= o; a}+ssf] bf];|f] ;fwf/0f ;ef k|of]hgsf] nflu ldlt @)^^ ;fn kf}if ( ut] b]lv ;fwf/0f ;ef ;DkGg gx'Gh]n ;Dd z]o/ bflvn vf/]hLsfo{ aGb ul/g]5 . @)^^ ;fn kf}if * ut] ;Dd g]kfn :6s PS;r]Gh ln=df z]o/ sf/f]jf/ ePsf] ;ft lbg leq k|fKt z]o/nfO{ bflvnvf/]hL ul/g]5 . o; kl5 o; a}+ssf] z]o/ /lhi6«f/ l;len Soflk6n dfs]{6\; ln=df btf{ ePsf]nfO{ hlxn];'s} vl/b ljqmL ePtf klg;fwf/0f ;ef kZrft dfq bflvn vf/]hL ul/g]5 .

@= z]o/ wgL dxfg'efjx¿n] jflif{s k|ltj]bg k'l:tsfsf] nflu a}+ssf] s]lGb|o sfof{no tyf ;Dk"0f{ zfvf sfof{nox¿df ;Dks{ /fVg' x'g cg'/f]w 5 .

#= ;ef x'g] lbg ;efdf pkl:yltsf nflu xflh/ k'l:tsf !) ah] b]lv ck/fGx @ ah];Dd v'Nnf /xg] 5 . xflh/L hgfpg] Aoa:yf ul/Psf]x'+bf z]o/wgL dxfg'efjn] cfˆgf] kl/ro kq clgjfo{ ¿kdf k|:t't ul/lbg' x'g cg'/f]w 5 .

$= k|ltlglw -k|f]S;L_ lgo'Qm ug{ rfxg] z]o/wgLx¿n] ;Dk"0f{ z]o/sf] k|ltlglw Pp6} AolQm x'g] u/L k|ltlglw–kq -k|f]S;L kmf/fd_ e/L a}+ssf] z]o//lhi6«f/ l;len Soflk6n dfs]{6 lnld6]8sf] sfof{nodf ;ef z'¿ x'g' eGbf slDtdf $* 306f cufl8 btf{ u/L ;Sg' kg]{5 . o;/L k|ltlglw-k|f]S;L_ lgo'Qm ul/Psf] JolQm a}+ssf] z]o/wgL x'g' clgafo{ 5 .

%= Ps} z]o/wgLn] PseGbf al9 k|ltlglw -k|f]S;L_ lgo'Qm ug'{ ePsf] cj:yfdf æd}n] o; cl3 lbPsf] ;a} k|ltlglw–kq -k|f]S;L_ ab/ u/L of]k|ltlglw -k|f]S;L_ nfO{ dfGotf lbO{of];\Æ egL 5'§} kq n]vL k7fPsf] cj:yfdf cGo ;a} k|ltlglwx¿ -k|f]S;L_ ab/ eO{ ;f]xL kq ;fy k|fKtk|ltlglw–kq -k|f]S;L_ dfq dfGo x'g]5 . ;f] adf]lhd gu/L Ps} z]o/wgLn] Ps eGbf a9L JolQmnfO{ s'g} lsl;daf6 laefhg u/L jf gu/Lk|ltlglw -k|f]S;L_ lgo'Qm u/]sf] kfO{Pdf To:tf] ;a} k|ltlglw -k|f]S;L_ ab/ x'g] 5 .

^= ;efdf efu lng k|ltlglw -k|f]S;L_ lgo'Qm ul/;s]kl5 ;DalGwt z]o/wgL :jo++ ;efdf pkl:yt x'g cfPdf z]o/wgLn] ul/ lbPsf] k|ltlglw-k|f]S;L_ :jtM ab/ x'g]5 .

&= ;+rfns kbdf pDd]bjf/ x'g rfxg] z]o/ wgLn] cfˆgf] gfddf sDtLdf !)) lsQf z]o/ lnPsf] x'g'k5{ .

*= ;+rfns kbdf pDd]bjf/ x'g rfxg] z]o/wgLn] tn bkmf ( df pNn]v eP adf]lhd a}+ssf] s]Gb|Lo sfof{nodf k|sflzt lgjf{rg ;DjGwLsfo{qmdsf] ;"rgfdf pNn]lvt ldltdf lgwf{/Lt ;do leq a}+ssf] Pshgf z]o/wgL k|:tfjs / csf]{ Pshgf z]o/wgL ;dy{s ;lxttf]lsPsf] 9fFrf adf]lhd cfˆgf] pDd]bjf/Lsf] b/vf:t btf{ ug'{ kg]{5 . pDd]bjf/Laf6 cfˆgf] gfd lkmtf{ lng rfx]df ;d]t ;f]xL lgjf{rg;DjGwL sfo{qmd adf]lhd cfˆgf] gfd lkmtf{ lng b/vf:t btf{ ug'{kg]{5 . ;+rfns kbdf pDd]bjf/L lbg] z]o/wgL cGo pDd]bjf/sf] k|:tfjs/ ;dy{s x'g ;Sg] 5}g .

(= o; a}+ssf] ;+rfns lgj{frg lgb]{lzsf z]o/wgLx¿n] o; a}+ssf] s]Gb|Lo sfof{no, Go"/f]8af6 ¿= %)÷– z'Ns lt/L k|fKt ug{ ;Sg' x'g] 5 .lgjf{rg ;DjGwL cGo hfgsf/L tyf sfo{qmd ;DjGwL ;"rgf !% lbg cufj} a}+ssf] ;"rgf kf6Ldf 6fF; ul/g]5 .

!)= ;+rfns lgjf{rg ;DjGwL sfo{qmd lgjf{rg clws[tn] tf]s] adf]lhd x'g]5 .

!!= s'g} ;+ul7t ;+:yf jf sDkgLn] z]o/ vl/b u/]sf] xsdf To:tf ;+ul7t ;+:yf jf sDkgLn] dgf]lgt u/]sf] k|ltlglwn]z]o/jfnfsf] x}l;otn] ;efdf efu lng ;Sg' x'g]5 .

!@= 5nkmnsf laifo ;"rL dWo] ljljw zLif{s cGtu{t 5nkmn ug{ O{R5's z]o/wgLn] ;ef x'g' eGbf & -;ft_ lbg cufj} 5nkmnsf] laifo sDkgL;lrj dfkm{t ;+rfns ;ldltsf] cWoIfnfO{ lnlvt ¿kdf lbg' kg]{5 .

!#= ;'/Iffsf] b[li6sf]0fn] z]o/wgL dxfg'efjx¿ ;ef :yndf cfpFbf 5ftf, emf]nf jf To:tf cGo a:t'x¿ glnO{ cfpg' x'gcg'/f]w ul/G5 . cfjZos b]lvPdf ;'/IffsdL{n] ;'/Iff hfFr ug{ ;Sg] ePsf] x' Fbf ;f] sfo{df ;xof]u ul/lbg' x'g ;d]tcg'/f]w ul/G5 .

!$= ;fwf/0f ;ef ;DjGwL yk hfgsf/Lsf] nflu a}+ssf] s]lGb«o sfof{no, gofF ;8s jf o; a}+ssf] z]o/ /lhi6«f/sf] sfo{ ug]{ l;len Soflk6ndfs]{6\; ln= sf7df08f} Knfhf, sdnkf]v/Ldf ;Dks{ /fVg' x'g cg'/f]w 5 . a}+ssf] ;fwf/0f ;ef;+u ;DalGwt bf];|f] jflif{s k|ltj]bg a}+ssf]W ebsite: www.primebank.com.np ;d]t pknAw 5 .


>L ;+rfns ;ldltk|fOd sdl;{on a}+s lnld6]8gofF ;8s sf7df08f} .

ljifo M k|ltlglw lgo'lQm u/]sf] jf/] .

dxfzo,

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

===================================================== n] To; a}+ssf] z]o/wgLsf] x}l;otn] ldlt @)^^ ;fn kf}if dlxgf @! ut] d+unjf/sf lbg x'g] bf];|f]

jflif{s ;fwf/0f ;efdf :jo+ pkl:yt eO{ 5nkmn tyf lg0f{odf ;xefuL x'g g;Sg] ePsf] x'gfn] pQm ;efdf efu lng tyf dtbfg ug{sf

nflu ================= lhNnf ==================================== df=g=kf=÷g=kf=÷uf=lj=;= j8f g+= =========== a:g] To; a}+ssf z]o/wgL

>L ========================================================== -z]o/ wgL kl/ro g+= ============= _ nfO{ d]/f]÷xfd|f] k|ltlglw dgf]lgt ul/ k7fPsf] 5'÷5f}+ .

k|ltlglwsf] lgj]bssf]

b:tvt M b:tvt M

gfd M gfd M

7]ufgf M

z]o/ wgL kl/ro g+= M

z]o/ ;+Vof M

ldlt M

b|i6Jo M of] lgj]bg ;fwf/0f ;ef x'g' eGbf $* 306f cufa} a}+ssf] z]o/ /lhi6«f/sf] sfof{no l;len Soflk6n dfs]{6 lnld6]8sf] sfof{nodf k]z ul/ ;Sg'

kg]{5 . Ps eGbf a9L k|ltlglw lgo"Qm u/]df k|ltlglw lgo"Qm u/]sf] kmf/fd /2 ul/g]5 .

k|j]z–kq

;+:yfks z]o/wgLsf] gfd M =======================================================================

z]o/ ;+Vof M =======================================

bf];|f] jflif{s ;fwf/0f ;efdf pkl:yt x'g hf/L ul/Ps]f .

================================== ==================================z]o/ wgLsf] b:tvt sDkgL ;lrj

b|i6Jo M ;ef sIfdf k|j]z ug{ of] k|j]z kq clgjfo{ ?kdf k|:t't ug'{ kg]{5 .



bf];|f] jflif{s ;fwf/0f ;efdf ;+rfns ;ldltsf] tkm{af6cWoIfHo"sf] k|ltj]bg

cfb/0fLo z]o/wgL dxfg'efjx¿,

o; k|fOd sdl;{on a}+s lnld6]8sf] bf];f]| jflif{s ;fwf/0f ;efdf pkl:yt ;Dk"0f{ z]o/wgL dxfg'efjx¿nfO{ ;+rfns ;ldltsf] tkm{af6 d xflb{s

:jfut ub{5' .

a}+ssf] k|yd ;fwf/0f ;efdf a}+sn] :yfkgf ePsf] aif{d} ¿ @ s/f]8 *) nfvsf] v'b d'gfkmf cfh{g u/L lgIf]k kl/rfng tyf shf{ nufgLdf ;d]t

pNn]Vo k|ult xfl;n u/]sf] ljj/0f k|:t't u/]sf lyof}+ . ;Dk"0f{ z]o/wgL dxfg'efjx¿sf] ;bfzotf, uf|xsju{sf] c6'6 ljZjf;sf] sf/0fn]g} o; a}+sn]

cfly{s jif{ @)^%÷^^ df ¿ !$ s/f]8 @) nfvsf] v'b d'gfkmf cfh{g u/L ;dsflng a}+sx¿df cu|0fL :yfg cf]u6b} ljut &—* jif{b]lv ;+rfngdf

/x]sf a}+sx¿sf] k+lQmdf cfkm'nfO{ pEofpg ;kmn ePsf] hfgsf/L u/fpg kfp+bf dnfO{ uj{sf] dx;'; eO/x]sf] 5 . ;+:yfks z]o/wgL Pj+ ;fwf/0f

z]o/wgLx¿sf] ;bfzotf / ;xof]u lagf a}+sn] o:tf] k|ult xfl;n ug{ ;Dej x'g] lyPg . o; ;Gbe{df ;+:yfks z]o/wgLx¿n] cfkm\gf] nfutsf]

kjf{x gu/L ;do cufj} a}+snfO{ calls in advance /sd hDdf u/L a}+ssf] ljlQo Ifdtf j[l4 u/fpg ;xof]u ul/lbg' ePsf]df d ;Dk"0f{ ;+:yfks

z]o/wgLx¿nfO{ xflb{s wGojfb 1fkg ug{ rfxG5' . a}+sn] o;} jif{ ;fwf/0f z]o/ lgisf;g ubf{, b'O cGo jfl0fHo a}+sx¿sf] ;fwf/0f z]o/sf]

b/vf:tdf nufgL ePsf] /sd lkmtf{ x'g gkfPsf] cj:yfdf ;d]t em08} ¿=( ca{ $) s/]f8 a/fa/sf] b/vf:t k/L pT;fxhgs ;xeflutf b]vfO{

lbg'ePsf]df ;Dk"0f{ ;fwf/0f z]o/ nufgLstf{x¿nfO{ xflb{s wGojfb 1fkg ug{ rfxG5' . cl3kl5 ahf/df z]o/ cfj]bg kmd{ lng, a'emfpg em]Ng'

k/]sf] c;'ljwfnfO{ b[li6ut u/L xfdL sxfF o:tf] c;'ljwf ef]Ug gk/f];\ eGg] p2]Zon] z]o/ cfj]bg kmf/fd lng], a'emfpgsf] nflu k|To]s sfof{nosf

ljBdfg sfp06/df yk sfp06/x¿ Joj:yf ug{'sf] cltl/Qm afXo If]qaf6 ;d]t ;of}+ sd{rf/Lx¿ kl/rfng u/L sfof{no aflx/ ;d]t :k]zn xndf

krf;f} sfp06/x¿sf] Joj:yf u/]sf lyof}+ / z]o/ lgj]bsx¿sf] ;'ljwfsf] nfuL kfn, d]r, lkpg] kfgL cflbsf] klg Joj:yf ldnfO{ lbPsf lyof}+ .

o:tf] ;'ljwf Joj:yf cg's/0fLo ePsf] w]/} cfj]bsx¿af6 ;'Gg kfPsf]df xfdLnfO{ cToGt} v'zL nfu]sf] 5 .

;+rfns ;ldltaf6 ckgfOPsf] ;'ema'emk'0f{ gLlt tyf sfo{s|d, sfo{Gjogsf] lgodLt lgodg, z]o/wgL dxfg'efjx¿af6 k|fKt ;xof]u, sd{rf/Lx¿sf] c7f]6,

nugzLntf P+j k|lta4tf clg u|fxsx¿af6 k|fKt ljZjf;sf] ;dfli6ut sf/0fn] olt 5f]6f] ;dod} cfkm\gf] ljlQo cj:yf ;'b[9 ub}{ ahf/df cfkm\gf] cnu

klxrfg sfod ug{ o; a}+s ;kmn ePsf] 5 . oxL ;Gbe{df cfly{s jif{ @)^%÷^^ sf] k|ult ljj/0f d oxfFx¿ ;dIf k|:t't ug{ uO{/fv]sf] 5' .

-!_ cfly{s jif{ @)^%÷^^ df a}+sn] xfl;n u/]sf] k|ult ljj/0fa}+s :yfkgf ePsf] klxnf] cfly{s jif{af6} v'b d'gfkmf sdfpg ;kmn ePsf] o; a}+sn] cfly{s jif{ @)^%÷^^ df lgIf]k kl/rfng, shf{

k|jfx, ;+rfng tyf v'b d'gfkmfdf pNn]vlgo k|ult xfl;n u/L ;dsflng jfl0fHo a}+sx¿ dWo] cu|0fL :yfgdf /xg ;kmn ePsf] 5 .

t'ngfTds k|ult ljj/0f

a9L÷ -36L_ljj/0f cf=j=@)^%÷^^ cf=j=@)^$÷^%

¿= k|ltztr'Qmf k"FhL 863,755,000 700,000,000 - -

s'n ;DklQ 13,456,887,467 6,388,496,980 7,068,390,487 110.64

s'n lgIf]k 11,779,989,176 5,275,648,820 6,504,340,356 123.29

s'n shf{ 9,830,894,008 5,155,970,956 4,674,923,052 90.67

s'n nufgL 2,097,042,051 378,563,101 1,718,478,950 453.95

v'b Jofh cfDbfgL 258,029,890 103,165,404 154,864,486 150.11

cGo ;+rfng cfDbfgL 68,314,619 29,197,017 39,117,602 133.98

;+rfng vr{ 102,634,452 51,150,987 51,483,465 100.65

;+rfng d'gfkmf-;Deflat gf]S;fgL Joj:yf clw_ 269,662,429 96,534,631 173,127,798 179.34

v'b gfkmf÷-gf]S;fg_ !$,@&,!!,(&* @,*),)&,!!) !!,$&,)$,*^* $)(=%^


s_ lgIf]k kl/rfngcl3Nnf] jif{ a}+ssf] s'n lgIf]k ¿=%ca{ @) s/f]8 /x]sf]df cfly{s jif{ @)^^ cfiff9 d;fGt ;Dd !@# k|ltztn]] j[l4 u/L s'n ¿ !!ca{ &&

s/f]8 lgIf]k kl/rfng ug{ a}+s ;kmn ePsf] 5 . ;do ;fk]If ljleGg lsl;dsf] lgIf]k of]hgf tyf a}+ssf] u'0f:t/Lo ;]jfsf] sf/0fn]g} a}+sn]

5f]6f] ;dodf pNn]Vo lgIf]k kl/rfng ug{ ;kmn ePsf] b]lvG5 .

v_ shf{ k|jfxut jif{ s'n %ca{ !% s/f]8 shf{ k|jfx ePsf]df cfly{s jif{ @)^%÷^^ df () k|ltztn] j[l4 eO{ s'n ¿=( ca{ *# s/f]8 shf{ k|jfx ePsf]

5 . a}+sn] d'Votof Consumer loan, SME loan, Jofkfl/s shf{, kl/of]hgf shf{, ;'gshf{, 3/hUuf shf{ nufotsf shf{x¿ k|jfx

ub}{ cfPsf] 5 . a}+sn] xfn;Dd b'O Jofkfl/s ejg kl/of]hgf, b'O l;d]G6 O08li6«h, b'O 7"nf hnljB't kl/of]hgf / Ps xjfO sDkgL ;lxt

s'n ;ft j6f kl/of]hgfx¿df ;xljlQos/0f ;d"x u7g u/L cu'jf a}+ssf] e"ldsf lgjf{x ub}{ cfPsf] 5 . a}+sn] 5f]6f] cjlwdfg} ;ft j6f

7"nf 7"nf kl/of]hgfx¿df gofF P+j k'/fgf a}+sx¿sf] ;d"x u7g u/L cu'jf a}+ssf] e"ldsf lgjf{x ub}{ cfPsf] oxfF z]o/xf]N8/ ;dIf hfgsf/L

u/fpg kfpFbf dnfO{ uj{sf] dx;'; eO/x]sf] 5 . a}+sn] shf{ k|jfx ubf{ ljleGg lsl;dsf] hf]lvd Go"lgs/0f pkfox¿ h:t}M C0fLsf] gub

k|jfx l:ylt,C0fLsf] ljutsf sf/f]jf/sf] l:ylt, lwtf]sf] k|s[ltdf lglxt hf]lvd cflbdf ljz]if Wofg k'¥ofpFb} cfPsf]n] xfn ;Dd a}+ssf]

lgis[o shf{ -non performing loan_ z'Go /x]sf] oxfFx¿nfO{ hfgsf/L u/fpg rfxG5' .

u_ sldzg cfDbfgLcl3Nnf] jif{ s'n sldzg cfDbfgL ¿=$ s/f]8 $* nfv /x]sf]df cfly{s jif{ @)^%÷^^ sf] cjlwdf !%^ k|ltztn] j[l4 eO{ s'n ¿ !! s/f]8

$! nfv sldzg cfDbfgL ug{ a}+s ;kmn ePsf] 5 .

3_ ;+rfng / v''b d'gfkmfut jif{ a}+ssf] ;+rfng d'gfkmf ¿ ( s/]f8 ̂ ) nfv /x]sf]df cfly{s jif{ @)^%÷^^ df !#! k|ltztn] j[l4 eO{ a}+sn] ¿=@@ s/f]8 @) nfv

;+rfng d'gfkmf cfh{g ug{ ;kmn ePsf] 5 . o:t} a}+ssf] v'b d'gfkmf cl3Nnf] jif{sf] t'ngfdf $)( k|ltztn] j[l4 eO{ ;ldIff cjlwdf a}+sn]

¿ !$ s/f]8 @& nfv a/fa/sf] v'b d'gfkmf cfh{g ug{ ;kmn ePsf] 5 . a}+sn] k"j{ ;+rfng vr{x¿ # jif{ leq ckn]vg ug]{ gLlt cjnDag

ub}{ cfPsf]df afFsL b'O jif{df ckn]vg x'g' kg]{ vr{ o;} aif{ ckn]vg ul/Psf]n] a}+ssf] v'b d'gfkmf ¿=!$ s/f]8 $@ nfv x'g'kg]{df ¿=!%

nfv *@ xhf/n] v'b d'gfkmf 36\g uO{ ¿=!$ s/f]8 @& nfv sfod ePsf] 5 . af]g; z]o/ P+j nfef+z ljt/0fsf] nflu k'j{ ;+rfng vr{

ckn]vg e};s]sf] x'g' kg]{ Joj:yf ePsf]n] pQm gLlt ckgfO{Psf] Joxf]/f cjut u/fpg rfxG5' .

-ª_ a}+ssf] zfvf la:tf/a}+sn] cfkmgf] zfvf la:tf/ ug]{ l;nl;nfdf cfly{s aif{ @)^%÷^^ leq sf7df8f}+ pkTosf aflx/ # j6f / sf7df8f}+ pkTosf leq # j6f

u/L s'n ^ j6f zfvfaf6 cfkm\gf] ;]jf lj:tf/ u/]sf] 5 .

-r_ nfef+z÷ af]g; z]o/ut b'O{ cfly{s aif{df xfdLn] u/]sf] cfly{s k|ultn] cfufdL aif{x¿df a}+ssf] lalQo :jf:YonfO{ cem ;'b[9 agfpg bl/nf] cfwf/ agfPsf]

tYonfO{ ;d]t dWogh/ /fVb} a}+ssf] ;+rfns ;ldltn] !)Ü af]g; z]o/ ljt/0f ug]{ k|:tfj u/]sf] / pQm k|:tfjnfO{ g]kfn /fi6« a}+saf6

;xdlt k|fKt eO;s]sf] hfgsf/L u/fpg rfxG5' . / cfly{s jif{ @)^%÷^^ df a}+ssf] v'b d'gfkmf ¿ !$,@&,!!,(&* ePsf]df g]kfn /fi6«

a}+ssf] lgod cg';f/ ;fwf/0f hu]8f sf]ifdf ¿ @,*%,$@,#(^ 5'6ØfO{ afFsL /x]sf] ¿ !!,$!,^(,%*@ ljt/0f of]Uo d'gfkmf dWo] af6 ¿

!),)),)),))) a/fa/sf] !)Ü af]gz z]o/ / To;df nfUg] s/ afkt )=%@^Ü n] x'g cfpg] ¿ %@,^#,!%* a/fa/ gub nfef+z ljt/0f

ug]{ k|:tfj oxfFx¿ ;dIf :jLs[ltsf] nflu k]z ub{5' .

-@_ /fli6«o÷cGt/fli6«o cy{tGqljut s]xL jif{ otf ljZjJofkL ¿kdf ;+s6u|:t ePsf] cy{tGqn] ljZjsf clwsfz+ d'n'sx¿df cfly{s ¿kdf gsf/fTds k|efj kf/]sf] 5

. xfn s]xL ;do otf ljleGg d'n'sx¿sf] k|of;af6 ljZj cy{tGqdf s]lx ;'wf/ b]lvPtf klg ;'wf/sf] ult c´} ;+tf]ifhgs x'g ;s]sf] 5}g

. ljZj cy{tGqdf k/]sf] o:tf] gsf/fTds k|efjn] ;g\ @))( sf] ljZjsf] cfly{s j[l4b/, b]f;|f] ljZj o'4 kl5 k|yd k6s !=# k|ltztn]

C0ffTds x'g] k|If]k0f ul/Psf] 5 .


s_ s'n ufx{:Yo pTkfbgljZj cy{tGqdf 5fPsf] dlGbaf6 c5'6f] g/x]sf] xfd|f] b]zsf] cy{tGqdf k/]sf] s]xL gsf/fTds k|efjn] cfly{s aif{ @)^%÷^^ df b]zsf] s'n

ufx{:Yo pTkfbg j[l4b/ #=* k|ltztdf l;ldt /x]sf] 5 . cl3Nnf] jif{ b]zsf] s'n ufx{:Yo pTkfbg j[l4b/ %=# k|ltzt /x]sf] lyof] . b]zdfdf};dL k|lts'ntf, /fhlglts cl:y/tf, ljh'nL cfk'lt{df ePsf sldsf] sf/0fn] b]zsf] ;du| cfly{s ultljlwdf gsf/fTds k|efj k/]sf]b]lvG5 .

v_ j}b]lzs Jofkf/cfly{s jif{ @)^%÷^^ df b]zsf] s'n lgof{tdf !#=% k|ltzt n] j[l4 ePsf] 5 . cl3Nnf] jif{ s'n lgof{t )=@ k|ltztn] 36]sf] lyof] . s'nlgof{t dWo] ef/t tkm{sf] lgof{t ̂ =@ k|ltzt / cGo d'n's tkm{sf] lgof{t @^=( k|ltztn] a9]sf] 5 . o; cfly{s jif{ @)^%÷^^ df kZldgf,pgL un}rf, x:tsnf ;fdfg tyf hl8a'6Lsf] lgof{t a9\g uPsf] sf/0fn] ;du| lgof{tdf j[l4 x'g uPsf] xf] . cfly{s jif{ @)^%÷^^ df s'ncfoft @*=@ k|ltztn] a9]sf] 5 . ut jif{ !$ k|ltztn] cfoftdf j[l4 x'g uPsf] lyof] . s'n cfoft dWo] ef/t af6 ePsf] cfoftdf !%=!Ük|ltztn] j[l4 x'g uPsf] 5 eg] cGo d'n'sx¿sf] cfoftdf %!=& k|ltztn] j'l4 x'g uPsf] 5 . o; jif{sf] cfoft j[l4 x'g'df ;jf/L ;fwgtyf kf6{k'hf{, l;d]G6, cf}iflw, ;'g, sRrf e6df;sf] t]n, Pd=P; ljn]6sf] cfoftdf x'g uPsf] j[l4 d'Vo sf/0f /x]sf] 5 .

u_ zf]wgfGt/cl3Nnf] cfly{s jif{sf] zf]wgfGt/ ¿= @% ca{ ^& s/f]8sf] art /x]sf]df cfly{s jif{ @)^%÷^^ df ;du| zf]wgfGt/ ¿= #& ca{&# s/f]8n] artdf /x]sf] 5 . @)^^ cfiff9 d;fGtdf s'n ljb]zL lalgdo ;lGrlt, @)^% cfiff9 d;fGtsf] t'ngfdf #!=& k|ltztn] j[l4eO{ ¿= @&( ca{ &( s/f]8 x'g k'u]sf] 5 . cl3Nnf] jif{ ;f]lx cjlwdf o:tf] ;lGtlt @*=* k|ltztn] a9]sf] lyof] . cfly{s aif{ @)^%÷^^ sf]cfoftnfO{ cfwf/ dfGbf ljb]zL lalgdo ;lGrltsf] ljBdfg :t/n] b]zsf] !!=* dlxgfsf] a:t' cfoft / (=& dlxgfsf] a:t' tyf ;]jfsf]cfoft wfGg kof{Kt /x]sf] b]lvG5 .

3_ a}ls· If]qcfly{s jif{ @)^%÷^^ df jfl0fHo a}+sx¿sf] lgIf]k kl/rfng ut jif{sf] t'ngfdf #)=$ k|ltztn] j[l4 x'g uO{ @)^^ cfiff9 d;fGt ;Dddf¿= %$( ca{ *# s/f]8 k'u]sf] 5 . cl3Nnf] jif{ lgIf]ksf] j[l4b/ @^ k|ltzt /x]sf] lyof] . o:t} jfl0Ho a}+sx¿af6 k|jflxt shf{df #!=^k|ltztn] j[l4 eO{ @)^^ cfiff9 d;fGt ;Dd s'n ¿=$$^ ca{ $^ s/f]8 shf{ k|jfx ePsf] 5 .

-#_ lalaw-s_ cfGtl/s lgoGq0f k|0ffnL / hf]lvd Joj:yfkg

a}+sn] s'zntfk'j{s hf]lvd Joj:yfkg ug{ ;s]sf] cj:yfdf dfq hf]lvd / k|ltkmnsf] aLrdf ;+t'ng NofO{ cfkm\gf z]o/xf]N8/x¿nfO{

plrt k|ltkmn lbg ;Sb5 . o;} ;Gbe{df a}+sdf laWodfg /x]sf ljleGg lsl;dsf hf]lvdx¿ h:t} shf{ hf]lvd, ;+rfng hf]lvd, ahf/hf]lvd cflb hf]lvdx¿sf] Joj:yfkgsf] nflu a}+sn] laleGg pkfox¿ cjnDag ub}{ cfPsf] 5 . a}+sn] ;~rfns ;ldltaf6 :jLs[t ePsf]shf{ gLlt cGtu{t /x]/ laleGg shf{ sld6L dfkm{t shf{ :jLs[t ub}{ cfPsf] 5 . o; afx]s a}+sdf ljßdfg /x]sf] ahf/ hf]lvd Go"gLs/0fsf]nfuL ALCO Committee u7g u/L lgodLt ¿kdf a}7s a;L hf]lvd Go"gLs/0fsf cfjZos pkfox¿ cjnDag ub}{ cfPsf] 5 .;+rfng hf]lvd Go"lgs/0fsf] nflu a}+sn] ljleGg txdf sd{rf/Lx¿nfO{ clVtof/L k|bfg u/L x/]s sf/]faf/ sDtLdf b'O hgf sd{rf/Laf6¿h' ug]{ Joj:yf ldnfPsf] 5 .

a}+ssf] cfGtl/s lgoGq0f k|0ffnLnfO{ dha't agfpgsf] nflu a}+sn] cfGtl/s n]vfk/LIf0f laefu :yfkgf u/L u}x\ sfo{sf/L ;+rfnssf]dftxtdf /x]sf] cfGtl/s n]vfk/LIf0f sld6L cGtu{t :jtGq ¿kdf cfk\mgf] n]vfk/LIf0f sfo{ ub}{ cfPsf] 5 .

-v_ ;+:yfut ;'zf;ga}+lsË Joj;fon] cfd hgtfsf] ;fgf] ;fgf] lgIf]k ;+sng u/L cfkm\gf] Joj;fo ;+rfng ug]{ ePsf]n] o;sf Joj:yfksx¿ cfd hgtf dflypQ/bfoL / hjfkmb]xL x'g cToGt h¿/L 5 . oxL pQ/bfoLTjnfO{ cfTd;ft ub}{ a}+sn] ;+:yf leq ;+:yfut ;'zf;gnfO{ ljsl;t ub}{ n}hfgljleGg gLltx¿ cjnDag ub}{ cfPsf] 5 . o; ;Gbe{df a}+sn] g]kfn /fi6« a}+saf6 ;do ;dodf hf/L ePsf] gLlt lgodsf cltl/Qm a}+ssf];+rfns ;ldltaf6 kfl/t laleGg gLlt lgodx¿nfO{ kf/bzL{ 9+uaf6 s8fOsf ;fy kfngf ub}{ cfPsf] 5 . cfGtl/s n]vfk/LIf0fsf] e"ldsfk|efjsf/L ePdf a}+sdf ;+:yfut ;'zf;gnfO{ s8fOsf ;fy nfu' ug{ ;lsg] ePsf]n] a}+sn] cfGtl/s n]vfk/LIfssf] e"ldsfdf ljz]if hf]8lbPsf] 5 . To:t} jfXon]vf k/LIfs, g]kfn /fi6« a}+saf6 cf}NofO{Psf sdL sdhf]/LnfO{ tyf k|fKt ;'emfjx¿nfO{ ulDe/tf k"j{s lnO{cfjZos ;'wf/ ug]{ sfo{ a}+sn] ub}{ cfPsf] 5 .


-u_ dfgj ;+zfwga}+snfO{ :yfkgf ePsf] jif{af6} v'b d'gfkmfdf ;+rfng x'g / a}+snfO{ cfly{s ¿kdf ;zQm agfO{ ;dsflng a}+sx¿df cu|0fL :yfgcf]u6\g ;kmn x'g'sf] k5f8L o; a}+ssf sd{rf/Lx¿sf] cys kl/>d / ldlxg]t sf] 7"nf] e"ldsf /x]sf] 5 . a}+s Joj:yfkgn] ;Dk"0f{sd{rf/Lx¿sf] of]ubfgnfO{ pRr d"Nofªsg u/]sf] 5 . a}+sn] cfkm\gf sd{rf/Lsf] Joj;flos Ifdtf lasf; / a[l4sf nfuL ;do ;dodfcfjZos tflndx¿ k|bfg ub}{ cfPsf] 5 . a}+ssf sd{rf/Lx¿sf] dgf]an pRr /fVg ;ldIff cjwLdf sd{rf/Lsf] tna tyf ;'ljwf j[l4,sd{rf/L a9'jf h:tf sfo{x¿ a}+sn] u/]sf] 5 . a}+sn] kf/bzL{ 9+uaf6 bIf sd{rf/Lx¿sf] lgo'lQmsf] nflu ljz]if Wofg lbb}+ cfPsf] 5 .@)^^ cfiff9 d;fGt ;Dddf o; a}+ssf] sd{rf/L ;+Vof !$# k'u]sf] 5 .

-3_ a}+ssf] efjL sfo{qmdcfly{s jif{ @)^%÷^^ df a}+sn] xfl;n u/]sf] k|ultaf6 pT;flxt ePsf o; a}+ssf sd{rf/Lx¿ rfn' cfly{s jif{df yk ldlxg]t / nugsf;fy pT;fxhgs k|ult xfl;n ug{ k|lta4 5g\ . rfn' jif{df a}+sn] ;do ;fk]If ljleGg lsl;dsf a}+lsË ;'ljwfx¿ cfk\mgf] uf|xs ju{ ;dIflj:tf/ u/L cfk\mgf] ;]jfnfO{ c´ a9L k|efjsf/L / u'0f:tl/o agfp+b} n}hfg] 5 . æ;a}sf] nflu a}+lsË ;]jfÆ eGg] gf/f ;lxt :yfkgf ePsf]o; a+}sn] b]zsf] ufp+ ufp+df cfkm\gf] ;]jf lj:tf/ ug]{ s|ddf rfn' jif{df bf]nvfsf] lh/Ldf zfvf :yfkgf u/L cfkm\gf] ;]jf lj:tf/ u/]sf]5 . a}lsË ;]jfaf6 al~rt lh/L af;Lx¿ o; a}+ssf] zfvf :yfkgfaf6 lgs} xlif{t ePsf] xfdLn] kfPsf 5f} . rfn' jif{df a}+lsË ;]jfaf6al~rt cGo g]kfnL hgftfx¿df´ cfkm\gf] ;]jf k'¥ofpg] s|d lg/Gt/ hf/L /xg] 5 . o; a}+saf6 k|bfg ul/b}+ cfPsf] 'k|fO{d ;'gshf{' ;'ljwfuf|xsju{ df´df lgs} nf]slk|o x'+b} uPsf]n], rfn' jif{df yk zfvfx¿af6 ;f] ;'ljwf lj:tf/ ul/g] 5 . o;sf] cnfjf a}+sn] b'Uw ljsf;;+:yf ;+u ;xsfo{ u/L z'¿ u/]sf] ljkGg ju{ cGtu{tsf] kz' shf{af6 sfe|]knfGrf]s, l;Gw'kfNrf]s, lrtjg If]qsf s[ifsx¿ nfeflGjtePsf 5g\ . rfn' aif{df b]zsf c¿ yk If]qx¿df of] ;]jf lj:tf/ ul/g]5 .

:yfkgf sfnb]lvg} o; a}+sn] k|bfg ub}{ cfPsf] ABBS, SMS, ATM, Debit Card sf] ;'ljwfx¿nfO{ ;do ;fk]If cfjZos kl/dfh{g u/Lrfn' jif{df yk cfw'lgs ;'ljwfx¿ lj:tf/ ug]{ of]hgf agfPsf] 5 . o; s|ddf rfn' cfly{s jif{df a}+sn] cfk\mgf] AT M ;+hfn nfO{cfk\mgf] zfvf sf] cltl/Qm laleGg :yfgx¿df lj:tf/ ug{]5 .

b]zdf s]xL aif{ otf a}+lsË ;+:yfx¿sf] ;+Vof a9\b} uPtf klg b]zsf em08} *) k|ltzt hgtfx¿ xfn ;Dd klg a}+lsË ;]jfaf6 al~rt/x]sf] ;Gbe{df b]zsf] u|fld0f If]q, lk5l8Psf ju{x¿ ;dIf cfkm\gf] ;]jf lj:tf/ u/L ;Dk"0f{ ufpF ;dfhsf] cfly{s cj:yf ;'b[9 agfpgsfnflu o; a}+sn] cfkm\gf] nufgLdf ;xfos sDkgLsf] ¿kdf dfOsf]| s|]l86 lasf; a}+s :yfkgf ug]{ of]hgf agfPsf] 5 . o; lasf; a}+sn]laleGg uf|dL0f tyf zx/L If]qdf s[lif, kz'kfng, n3' pBf]u, ;fgf Jokf/Lx¿df nufgL u/L b]zsf] x/]s If]q / ju{sf] cfly{s pGgltdfof]ubfg ug]{ pB]Zo lnPsf] 5 .

g]kfn /fi6« a}+ssf] tTsflng lgb]{zg cg';f/ cfly{s jif{ @)^^÷^& leq a}+ssf] r'Qmf k"FhL ¿ @ ca{ k'¥ofpg' kg]{ k|fjwfg eP cg';f/ o;a}+ssf] ;+rfns ;ldltaf6 !)Ü af]g; z]o/ ljt/0f kZrft !M! xsk|b z]o/ hf/L u/L a}+ssf] r'Qmf k"FhL ¿=@ ca{ @) s/f]8 k'¥ofpg]lg0f{onfO{ g]kfn /fi6« a}+saf6 ;d]t a}+ssf] ;fwf/0f ;efaf6 kfl/t ug]{ u/L :jLs[t k|bfg u/]sf] hfgsf/L u/fpg rfxG5' . / g]kfn :6sPS;rGh ;Fusf] ;+emf}tf cg';f/ ;+rfns ;ldltn] af]g; z]o/ / xsk|b z]o/ lgisf;g ;DaGwdf lg0f{o u/]sf] @$ 306f leq g]kfn :6sPS;r]Gh nfO{ hfgsf/L u/fO;s]sf] / :6s PS;r]Gh af6 af]g; z]o/ / xsk|b z]o/ af/] ;j{;fwf/0fnfO{ ;fj{hlgs hfgsf/L u/fO;s]sf]Joxf]/f oxfFx¿nfO{ cujt} 5 . xfn g]kfn /fi6« a}+saf6 r'Qmf k"FhL a9fpg @)^& r}q d;fGt ;Dd ;do a9fPsf] ePtf klg o; a}+sn] 5f]6f];dodfg} a[l4 u/]sf] lgIf]k Pj+ shf{÷nufgLsf] sf/0fn] k"FhL ckof{Kt x'g hfg] b]lvG5 . a}+ssf] ldlt @)^^, c;f]h d;fGtsf] ljlQo ljj/0fcg';f/ lgIf]k ¿=!# ca{ @) s/f]8 / shf{ Pj+ nufgL u/L ¿=!# ca{ &^ s/f]8 k'lu;s]sf] 5 . oxL a[l4b/ sfod x'Fbf a}+ssf] k"FhL ¿ @ca{ gk'¥ofPsf] cj:yfdf a}+sn] rfn' cfly{s jif{df k"FhL ckof{Kttfsf] sf/0fn] yk shf{ nufgL ug{ g;Sg] l:ylt /xg hfG5 t;y{ o;} rfn'cfly{s jif{dfg} k"FhL a[l4 u/L a}+ssf] ljlQo cj:yf ;'b[9 ug{ cfjZos b]lvG5 . o;sf ;fy} :6s PS;r]Ghaf6 ;j{;fwf/0fdf af]g; z]o// xsk|b z]o/ hf/L x'g] af/]df ;fj{hlgs hfgsf/L u/fO;s]sf] cj:yfdf o; ;DaGwdf cGo lasNkdf hfFbf ;j{;fwf/0fdf gs/fTdsk|efj kg{ ;Sg] b]lvG5 . ljutdf klg ;+:yfks z]o/wgLx¿ af6 k|fKt ePsf] calls in advance af6 a}+sn] cfkm\gf] Jofkf/ Joj;foa[l4 u/L @)^%÷^^ df pNn]vgLo k|utL xfl;n ug{ ;Dej ePsf] tYo :d/0f u/fpFb} cfh k|:tfj ul/Psf] k'FhL a[l4df oxfFx¿ ;a}n]

:jLs[lt k|bfg ug{'x''g] ljZjf; lnPsf] 5' .

cGTodf,

o;} a}}+ssf] pknAwL / k|ultdf ;b}a ;fy lbb}+ cfpg'ePsf ;Dk'0f{ z]o/wgL dxfg'efjx¿ Pj+ uf|xs ju{df ;rf+ns ;ldtLsf] tkm{af6 d xflb{scfef/ k|s6 ug{ rfxG5' . a}+snfO{ ljlQo ¿kdf ;zQm agfO{ pGglt / k|ultsf] af6f]df bf]xf]/\ofpg 7'nf] of]ubfg k'/\ofpg] a}+ssf sfo{sf/L k|d'vnufotsf cGo ;Dk"0f{ sd{rf/Lx¿nfO{ xflb{s wGojfb 1fkg ug{ rfxG5' . ;fy} a}+ssf] ultlalwx¿df ;fy lbg' x'g] ;+rf/ hut nufotsf ;Dk"0f{dxfg'efax¿df xflb{s cfef/ JoQm ub{5' .

wGojfb .


k|fOd sdl;{on a}+s lnld6]8sDkgL P]g, @)^# sf] bkmf !)( sf] pkbkmf $ ;+u ;DjlGwt cltl/Qm ljj/0f

!_ a}+ssf] cf}Bf]lus tyf Jofj;flos ;DaGw Ma}+sn] cfˆgf ;a} ;/f]sf/jfnfx¿;uF ;f}xfb|k"0f{ / Jofj;flos ;DaGw lj:tf/ u/]sf] 5 . o; ;DaGwnfO{ Jofj;flos tyf kf/blz{tfsfcfwf/df ljsl;t ub}{ n}hfg' kmnbfoL x'g] / a}+ssf] k|ultsf nflu pko'Qm dfWod x'g] a}+ssf] ljZjf; 5 .

@_ ;+rfns ;ldltdf ePsf] x]/k]m/ / ;f]sf] sf/0f M;ldIff aif{df ;~rfns ;ldltdf s'g} x]/km]/ ePsf] 5}g .

#_ sf/f]jf/nfO{ c;/ kfg]{ d'Vo s'/fx¿ M• jt{dfg /fhg}lts cj:yfn] cy{Joj:yfsf ;a} kmfF6nufot ljQLo Joj:yf;d]tnfO{ k|lts"n k|efj kf/]sf] 5 .• al}+sË If]qdf ljBdfg a9\bf] k|lt:kw{fn] a}+ssf] cfDbfgLnfO{ ;+s'lrt t'NofPsf] 5 .

$_ n]vfk/LIf0f k|ltj]bgdf s'g} s}lkmot pNn]v ePsf] eP ;f] pk/ ;+rfns ;ldltsf] k|ltls|of Mlgoldt sf/f]Aff/df b]lvPsf ;fdfGo s}lkmotsf] cltl/Qm tLg aif{df k"j{ ;+rfng vr{ ckn]vg ug]{ n]vf gLlt cjnDjg u/]sf]df a}+ssf];'b[9 ljQLo cj:yfnfO{ b[li6ut u/L b'O{ jif{dfg} ;Dk"0f{ vr{ Joxf]g]{ gLlt cjnDjg u/]sf] sf/0fn] ¿=!%,*@,*%& n] gfkmf 36L b]lvPsf]afx]s c¿ s'g} gsf/fTds s'/fx¿ n]vfk/LIf0f k|ltj]bgdf b]lvPsf] 5}g .

%_ z]o/ hkmt ePsf] eP hkmt ePsf] z]o/ ;+Vof M;dLIff jif{df s'g} klg z]o/ hkmt ul/Psf] 5}g .

^_ a}+s / o;sf] ;xfos sDkgLn] ljut cfly{s jif{df u/]sf] k|ult Mo; a}+ssf] ljut cf=j=df ;xfos sDkgL gePsf] / xfn k|:tfljt k|fO{d g]zgn dfO{s|f] s|]l86 8]enkd]06 a}+s lnld6]8= g]= /f= a}+sdfbtf{ k|s[ofdf /x]sf] 5 .

&_ ;dLIff cjlwdf a}+s / o;sf ;xfos sDkgL;Fusf] sf/f]af/ / To;df ePsf] dxTjk"0f{ x]/km]/ M– gePsf]

*_ ljut cfly{s aif{df sDkgLsf] cfwf/e't z]o/wgLx¿n] sDkgLnfO{ pknAw u/fPsf] hfgsf/L M– gePsf] .

(_ ljut cfly{s jif{df a}+ssf ;+rfns tyf kbflwsf/Lx¿n] lnPsf] z]o/sf] :jfldTjsf] ljj/0f M– gePsf] .

!)_ a}+s;Fu ;DalG4t ;Demf}tfx¿df s'g} ;+rfns tyf lghsf cfkmGtsf] JolQmut :jfy{;DaGwL hfgsf/L M– gePsf] .

!!_ k'gM vl/b ul/Psf z]o/x¿sf] ljj/0f M;dLIff jif{df z]o/x¿sf] k'gM vl/b sfo{ ePsf] 5}g .

!@_ ;dLIff cjlwdf ePsf] s'n Joj:yfkg vr{ Msd{rf/L vr{ M ¿= #$,#!(,*##;+rfng vr{ M ¿= ^*,#!$,^!(s'n M ¿= !)@,^#$,$%@


!#_ n]vfk/LIf0f ;ldlt Ma}ssf] ;+rfns >L pd]z >]i7sf] ;+of]hsTjdf ul7t n]vfk/LIf0f ;ldltdf >L /fh]Gb| bf; >]i7 ;+rfns ;b:o tyf a}ssf cfGtl/sn]vfk/LIf0f ljefusf k|d'v >L e'jg /fh kGt ;b:o–;lrj /xg'ePsf] 5 . To; ;ldltn] a}ssf] ljQLo l:ylt, cfGtl/s lgoGq0f / hf]lvdJoj:yfkg Joj:yf, sfg"gL / lgod cg'kfngf, n]vfk/LIf0f sfo{qmd cflbaf/] lgoldt ;dLIff ug{] ub{5 . cfGtl/s ;fy} afXo n]vfk/LIf0fk|ltj]bgdf pNn]lvt s}lkmotx¿dfly lj:t[t 5nkmn u/L ;ldltn] cfjZos ;'wf/sf sfdx¿ ub{5 / To;sf] hfgsf/L lgoldt¿kdf;+rfns;ldltnfO{ lbG5 .

!$_ s'g} ;+rfns, sfo{sf/L k|d'v, a}+ssf cfwf/e"t z]o/wgL jf lghsf cfkmGt jf pgLx¿;Fu ;DalG4t ;+:yfx¿n]

a}ÍnfO{ a'emfpg afFsL /sd Ms]xL gePsf] .

!%_ ;+rfns, k|aGw;+rfns, sfo{sf/L k|d'v tyf kbflwsf/Lx¿nfO{ k|bfg ul/Psf] kfl/>lds eQf tyf ;'ljwfx¿

l;=g+= ljj/0f ;+rfns k|d'v sfo{sf/L clws[t cGo kbflwsf/Lx¿

! a}7s eQf $)*,))) – –@ tna – @,**),))) $,%!@,)))# eQf – !,(@),))) !,&@*,)))$ bz} eQf – @$),))) #&^,)))% ;+rosf]if – @**,))) $%!,@))^ af]g; – *&&,*@$ !,!$!,!&!& uf8L ;'ljwf 5}g 5 5* df]jfOn 5}g 5 5( OGwg 5}g 5 5

*cGo ;ldltsf] a}7s eQf :j¿k ;+rfns ;b:ox¿nfO{ ¿=!*))) dfq k|bfg ul/Psf] 5 .

k|d'v sfo{sf/L clws[tnfO{ rfns OGwg / dd{t;+ef/ ;lxt uf8L ;'ljwfsf] Joj:yf ul/Psf] 5 . cGo k|d'vkbflwsf/Lx¿nfO{ lgodfg';f/ uf8L ;'ljwf pknJw u/fOPsf] 5 .k|d'v sfo{sf/L clws[t nufot sfo{sf/L txsf clws[tx¿nfO{ a}+ssf] lgodfg';f/ df]jfOn ljnsf] e'QmfgL a}+sn] ul/lbg]Joj:yf ul/Psf] 5 .

!^_ z]o/wgLx¿n] a'lemlng afFsL /x]sf] nfe+fz /sd M––––– gePsf] .

!&_ bkmf !$! adf]lhd ;Dklt vl/b jf lalqm u/]sf] s'/fsf] ljj/0f M––––– gePsf] .

!*_ bkmf !&% adf]lhd ;Dj4 sDkgLaLr ePsf] s'/fsf] ljj/0f M–––––gePsf]

!(_ o; P]g tyf k|rlnt sfg"g adf]lhd ;+rfns ;ldltsf] k|ltj]bgdf v'nfpg'kg]{ cGo s'g} s'/f M––––– gePsf]

@)_ cGo cfjZos s'/fx¿ M––––– gePsf]



k|fOd sdl;{on a}+s lnld6]8jf;nft

-@)^^ cfiff9 d;fGt_ut jif{ ¿= k"“hL tyf bfloTj cg';"rL o; jif{ ¿=

&)),))),))) != z]o/ k"FhL ! *^#,&%%,)))@*,))&,!!) @= hu]8f tyf sf]ifx? @ !^%,$$(,#((

– #= C0fkq tyf aG8 # –@^%,%)@,%)) $= ltg{ afFsL shf{ ;fk6 $ %#(,#^#,%@$

%,@&%,^$*,*@) %= lgIf]k bfloTj % !!,&&(,(*(,!&^&%@,*&! ^= e'QmfgL lbg'kg]{ ljnx? ^ (,*)*,^%&

– &= k|:tfljt tyf e'QmfgL lbg' afFsL nfef+z %,@^#,!%*– *= cfos/ bfloTj –

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

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

ut jif{ ¿= ;DklQ cg';"rL o; jif{ ¿=

(@,!*%,$(& != gub df}Hbft * @&(,^&%,*&)!&*,!(),#^% @= g]kfn /fi6« a}+sdf /x]sf] df}Hbft ( (%),(!&,!%&@&,*(!,@)@ #= a}+s÷ljQLo ;+:yfdf /x]s]f df}Hbft !) !$*,&##,)(@

$%),))),))) $= dfu tyf cNk ;"rgfdf k|fKt x'g] /sd !! –#&*,%^#,!)! %= nufgL !@ @,)(&,)$@,)%!

%,!)$,$!!,@$^ ^= shf{ ;fk6 tyf ljN; v/Lb !# (,&#@,%*%,)^&$),###,@*% &= l:y/ ;DklQ !$ !)*,)^$,@(&

– *= u}/ a}lsË ;DklQ !% –

!!^,(@@,@*$ (= cGo ;DklQ !^ !#(,*^(,(#@

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

;+efljt bfloTj cg';"rL !&

;~rfnsx?sf] 3f]if0ff cg';"rL @(

k"FhLsf]if tflnsf cg';"rL #)

hf]lvd efl/t ;DklQ ljj/0f tflnsf cg';"rL #) æsÆ

k|d'v ;'rsfÍx? cg';"rL #!

k|d'v n]vf gLltx¿ cg';"rL #@

n]vf ;DaGwL l6Kk0fLx? cg';"rL ##

;+:yfks z]o/ lwtf] ;DaGwL ljj/0fx¿ cg';"rL #$

t'ngfTds q}dfl;s kl/0ffd cg';"rL #%

n]vf kl/If0f k"j{ rf}yf] q}dfl;s ljj/0f cg';"rL #^

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

========================== ============================= =========================== =============================================;'a|t zfSo gf/fo0f bf; dfgGw/ g/]Gb| ah|frfo{ d's'Gb b]j clwsf/L, l;=P=

k|dv–ljQ ljefu k|d'v sfo{sf/L clws[t cWoIf lg= afF:sf]6f P08 sDkgL

========================== ========================== ========================== ========================== ==========================pd]z >]i7 pbo df]xg >]i7 /fh]Gb| bf; >]i7 Zofd axfb'/ >]i7 pQd gf/fo0f >]i7;+rfns ;+rfns ;+rfns ;+rfns ;+rfns


k|fOd sdl;{on a}+s lnld6]8gfkmf gf]S;fg lx;fj

->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_ut jif{ ¿= ljj/0f cg';"rL o; jif{ ¿=@@$,%@(,(%& != Jofh cfDbfgL !* *@@,^*$,$#&

!@!,#^$,%%# @= Jofh vr{ !( %^$,^%$,%$&

!)#,!^%,$)$ v"b Aofh cfDbfgL @%*,)@(,*()%,@)(,!@) #= sldzg tyf l8:sfp06 @) @!,%!%,()*

#%,()*,%@# $= cGo ;+rfng cfDbfgL @! *!,&*(,(!*

#,$)@,%&! %= ;6xL 36j9 cfDbfgL @@ !),(^!,!^%

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

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

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

– *= ;6xL 36j9 gf]S;fg @@ –

(^,%#$,^#! ;Defljt gf]S;fgL Joj:yf cl3sf] ;~rfng d'gfkmf @^(,^^@,$@(%!,%%(,&!) (= ;Defljt gf]S;fgL Joj:yfx¿ @% $^,&$(,@#!

$$,(&$,(@! ;~rfng d'gfkmf @@@,(!#,!((

– !)= u}/ ;~rfng cfDbfgL÷vr{ @^ –

– !!= ;Defljt gf]S;fgL Joj:yfaf6 lkmtf{ @& –

$$,(&$,(@! lgoldt sf/f]jf/af6 ePsf] d'gfkmf @@@,(!#,!((– !@= c;fdfGo sf/f]jf/x?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{sf] s/ Joj:yf ^),&@),*%^

– – ut jif{ ;Ddsf] s/ Joj:yf –

!,(*^,@^^ – o; jif{sf] :yug s/ cfDbfgL÷vr{ -&*$,$&@_

@*,))&,!!) v"b gfkmf÷gf]S;fg !$@,&!!,(&*

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

xfd|f] ;+nUg k|ltj]bgsf] cfwf/df





k|fOd sdl;{on a}+s lnld6]8gfkmf gf]S;fg af“8kmf“8 lx;fa

->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_ut jif{ ¿= ljj/0f cg';"rL o; jif{ ¿=

cfDbfgL

– != ut jif{ ;Ddsf] ;+lrt d'gfkmf @@,#((,!%^

@*,))&,!!) @= o; jif{sf] d'gfkmf !$@,&!!,(&*

– #= ;6xL 36a9 sf]if –

@*,))&,!!) hDdf !^%,!!!,!#%vr{

– != ut jif{;Ddsf] ;+lrt gf]S;fg –

– @= o; jif{sf] gf]S;fg –

%,^)!,$@@ #= ;fwf/0f hu]8f sf]if @*,%$@,#(^

– $= e}k/L cfpg] hu]8f –

– %= ;+:yf ljsf; sf]if –

– ^= nfef+z ;dLs/0f sf]if –

– &= sd{rf/L ;DaGwL hu]8fx¿ –

– *= k|:tfljt nfef+z %,@^#,!%*

– (= k|:tfljt af]g; z]o/ hf/L !)),))),)))

– !)= ljz]if hu]8f sf]if –

^,%#@ !!= ;6xL 36a9 sf]if –

– !@= k"FhL lkmtf{ hu]8f sf]if –

– !#= k"FhL ;dfof]hg sf]if –

– !$= ======================================== –

%,^)&,(%$ hDdf – !##,*)%,%%$@@,#((,!%^ !%= ;l~rt d'gfkmf÷-gf]S;fg_ #!,#)%,%*!






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k|fOd sdl;{on a}+s lnld6]8gub k|jfx ljj/0f

->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_ut jif{ ¿= ljj/0f o; jif{ ¿=

!!(,$^^,!^& -s_ sf/f]jf/ ;+rfngaf6 gub k|jfx !,))!,%!!,&*$@^^,*)(,&$$ != gub k|flKt (@$,#$!,%%&

@@@,@*(,%#) !=! Jofh cfDbfgL *!),)&$,%^%%,@)(,!@) !=@ sldzg tyf l8:sfpG6 cfDbfgL @!,%!%,()*#,$)@,%&! !=# ljb]zL ljlgdo sf/f]jf/af6 cfDbfgL !),(^!,!^%

– !=$ ckn]lvt shf{sf] c;"nL –#%,()*,%@# !=% cGo cfDbfgL *!,&*(,(!*

-!$&,#$#,%&&_ @= gub e'QmfgL -^$@,&(@,$$#_-!)%,!@*,#(*_ @=! Jofh vr{ -%^!,#!*,)%^_-@!,(%#,(&)_ @=@ sd{rf/L vr{ -#$,#!(,*##_-@),@^!,@)(_ @=# sfof{no ;+rfng vr{ -$&,!%$,%%#_

– @=$ cfos/ e'QmfgL –– @=% cGo vr{ –

-$&&,!&!,!)$_ sfo{ut k"“hL (Working Capital) ultljlw cl3sf] gub k|jfx &!(,(^@,^&)-^,)$),%)$,)!$_ ;~rfng ;DaGwL rfn' ;DklQdf sdL÷-j[l4_ -^,)!*,&(&,##!_

-$%),))),)))_ != dfu tyf cNk ;"rgfdf k|fKt x'g] /sddf sdL÷-j[l4_ $%),))),)))-#&*,%^#,!)!_ @= cGo cNksfnLg nufgLdf sdL÷-j[l4_ -!,&!*,$&*,(%)_

-%,!%%,(&),(%^_ #= shf{ tyf ljN; vl/bdf sdL÷-j[l4_ -$,^&$,(@#,)%@_-%%,(^(,(%&_ $= cGo bfloTjdf sdL÷-j[l4_ -&%,#(%,#@(_

%,%^#,##@,(!) ;~rfng ;DaGwL rfn' bfloTjdf -sdL_÷j[l4 ^,&#*,&^),))!%,@&%,^$*,*@) != lgIf]k bfloTjdf -sdL_÷j[l4 ^,%)$,#$),#%^

– @= ;l6{lkms]6 ckm l8kf]lh6df -sdL_÷j[l4 –@^%,%)@,%)) #= cNksfnLg ;fk6Ldf -sdL_÷j[l4 @&#,*^!,)@$@@,!*!,%() $= cGo bfloTjdf -sdL_÷j[l4 -#(,$$!,#&(_

-$$,)@&,(((_ -v_ nufgL sf/f]jf/df gub k|jfx -*$,@)&,&@(_– != bL3{sfnLg nufgLdf sdL÷-j[l4_ –

-$$,)@&,(((_ @= :yL/ ;DklQdf sdL÷-j[l4_ -*$,@)&,&@(_– #= bL3{sfnLg nufgLdf Jofh cfDbfgL –– $= nfef+z cfDbfgL– %= cGo –

&)),))),))) -u_ ljQLo >]ft sf/f]jf/af6 gub k|jfx !^#,&%%,)))– != bL3{sfnLg C0f -j08, l8j]Gr/ 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_ –– -3_ gub tyf a}s df}Hbftsf] ljlgdo b/df ePsf] km/saf6 cfDbfgL÷vr{ –

@(*,@^&,)^$ -ª_ o; jif{sf] ;Dk"0f{ ultljlwaf6 gub k|jfx !,)*!,)%(,)%%– -r_ gub tyf a}+sdf /x]sf] z"¿ df}Hbft @(*,@^&,)^$

@(*,@^&,)^$ -5_ gub tyf a}+sdf /x]sf] clGtd df}Hbft !,#&(,#@^,!!(






cg';"rL !k|fOd sdl;{on a}+s lnld6]8

z]o/ k"“hL tyf :jfldTj-@)^^ cfiff9 d;fGt_

ut jif{ ¿= ljj/0f o; jif{ ¿=

!= z]o/ k"“hL!,%)),))),))) !=! clws[t k"“hL #,))),))),)))!,%)),))),))) -s_ #),))),))) ;fwf/0f z]o/ k|lt z]o/ ¿= !))n] #,))),))),)))

– -v_ ============= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ========= n] –

– -u_ ============= l/l8d]jn lk|lkm/]G; z]o/ k|lt z]o/ ¿= ============ n] –

!,))),))),))) !=@ hf/L k"“hL !,%)),))),)))!,))),))),))) -s_ !%,))),))) ;fwf/0f z]o/ k|lt z]o/ ¿= !)) n] !,%)),))),)))

– -v_ ============= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ========== n] –

– -u_ ============= l/l8d]jn lk|lkm/]G; z]o/ k|lt z]o/ ¿= ============== n] –

&)),))),))) !=# r'Qmf k"“hL *^#,&%%,)))&)),))),))) -s_ &,))),))) ;fwf/0f z]o/ k|lt z]o/ ¿= !)) n] &)),))),)))

– -v_ ============= gg\l/l8d]jn lk|km/]G; z]o/ k|lt z]o/ ¿= ========== n] –

– -u_ ============= l/l8d]jn lk|lkm/]G; z]o/ k|lt z]o/ ¿= ============= n] –

– -3_ z]o/sf] nflu clu|d e'QmfgL dfluPsf] (Calls in Advance) !^#,&%%,)))

z]o/ :jfldTjut jif{ ¿= ljj/0f % o; jif{ ¿=

&)),))),))) != :jb]zL :jfldTj !)) &)),))),)))!=! g]kfn ;/sf/

!=@ æsÆ ju{sf Ohfhtkqk|fKt ;+:yfx¿

!=# cGo Ohfhtkqk|fKt ;+:yfx¿

!=$ cGo ;+:yfx¿

^(*,))),))) !=% ;j{;fwf/0f ((=&! ^(*,))),)))

@,))),))) !=^ cGo )=@( @,))),)))

– @= j}b]lzs :jfldTj –&)),))),))) hDdf !)) &)),))),)))


k|fOd sdl;{on a}+s lnld6]8)=% k|ltzt eGbf a9L z]o/ :jfldTj x'g] z]o/wgLx¿

gfd z]o/ ;+Vof k|ltzt r'Qmf /sd

>L pd]z >]i7 $#^,))) ^=@# $#,^)),)))

>LdtL z'zLnf ldQn !)),))) !=$# !),))),)))

>L s]bf/ eQm >]i7 !)),))) !=$# !),))),)))

>L e'k]Gb|dfg k|wfg !)),))) !=$# !),))),)))

>L g/]z nfn >]i7 !)),))) !=$# !),))),)))

>L ;'Gb/ gf/fo0f hf]zL !)),))) !=$# !),))),)))

>L lasf; b'u8 ((,))) !=$! (,()),)))

>LdtL z}nhf ah|frfo{ ((,))) !=$! (,()),)))

>L Zofd axfb'/ >]i7 ((,))) !=$! (,()),)))

>L s'd'b b'u8 ((,))) !=$! (,()),)))

>L g/]z nfn b'u8 ((,))) !=$! (,()),)))

>L g/]Gb| ah|frfo{ (^,))) !=#& (,^)),)))

>L ;lgGb| ah|frfo{ (%,))) !=#^ (,%)),)))

>L dgf]x/ bf; d"n (%,))) !=#^ (,%)),)))

>L ;'jf; >]i7 (%,))) !=#^ (,%)),)))

>L /f]zg >]i7 (%,))) !=#^ (,%)),)))

>L czf]s >]i7 (%,))) !=#^ (,%)),)))

>L laqmd kf08] (%,))) !=#^ (,%)),)))

>L dx]z /fhsl0f{sf/ *),))) !=!$ *,))),)))

>L afa'/fhf dxh{g &%,))) !=)& &,%)),)))

>L k|lbk s'df/ cu|jfn &),))) !=)) &,))),)))

>L k'¿iff]Qd dfgGw/ &),))) !=)) &,))),)))

>L /fdsfhL kf}8\ofn ^%,))) )=(# ^,%)),)))

>L pbo df]xg >]i7 ^%,))) )=(# ^,%)),)))

>L cd/dfg zfSo %%,))) )=&( %,%)),)))

>L nlnt axfb'/ ad %),))) )=&! %,))),)))

>L hLk l5l/Ë nfdf %),))) )=&! %,))),)))

>L /d]z s'df/ l;njfn %),))) )=&! %,))),)))

>L cfË 8]08L z]kf{ %),))) )=&! %,))),)))

>L zs'Gt nfn lx/frg %),))) )=&! %,))),)))

>L lbg]z s'df/ nD;fn %),))) )=&! %,))),)))

>L ;'lgn eQm >]i7 %),))) )=&! %,))),)))


>L ho]Gb| axfb'/ zfSo %),))) )=&! %,))),)))

>L lgd{n nfn >]i7 %),))) )=&! %,))),)))

>L k|sf; /fd hfls j+hf %),))) )=&! %,))),)))

>L lj/]Gb| ah|frfo{ %),))) )=&! %,))),)))

>L c¿0f /fh >]i7 %),))) )=&! %,))),)))

>L /d]z dxh{g %),))) )=&! %,))),)))

>L s[i0f k|;fb >]i7 %),))) )=&! %,))),)))

>LdtL sdnf b]jL >]i7 %),))) )=&! %,))),)))

>L k'0o k|;fb kf}8\ofn %),))) )=&! %,))),)))

>LdtL k/hgf e§/fO{ %),))) )=&! %,))),)))

>LdtL s[i0f b]jL dfgGw/ $%,))) )=^$ $,%)),)))

>L ldgdfg >]i7 $%,))) )=^$ $,%)),)))

>LdtL sf]lxg'/ >]i7 $),))) )=%& $,))),)))

>L clgn >]i7 $),))) )=%& $,))),)))

>L ;'lgn >]i7 $),))) )=%& $,))),)))

>L lji0f' ad dNn #%,))) )=%) #,%)),)))

>L lbg]z >]i7 #%,))) )=%) #,%)),)))

>L ho]Gb| bf; >]i7 #%,))) )=%) #,%)),)))

;'>L v':a' >]i7 #%,))) )=%) #,%)),)))

>LdtL dLgf >]i7 #%,))) )=%) #,%)),)))

>L k|af]w l3ld/] #%,))) )=%) #,%)),)))

;'>L k|ldnf dxh{g #%,))) )=%) #,%)),)))

;'>L /]hLgf >]i7 #%,))) )=%) #,%)),)))

>L ;+hLa dfgGw/ #%,))) )=%) #,%)),)))

>L ;'af]w l3ld/] #%,))) )=%) #,%)),)))

hDdf #,$@&,))) $*=(^ #$@,&)),)))

a}+ssf] z]o/ ;+Vof &,))),)))

k|fOd sdl;{on a}+s lnld6]8)=% k|ltzt eGbf a9L z]o/ :jfldTj x'g] z]o/wgLx¿

gfd z]o/ ;+Vof k|ltzt r'Qmf /sd


cg';"rL @k|fOd sdl;{on a}+s lnld6]8

hu]8f tyf sf]ifx¿-@)^^ cfiff9 d;fGt_


%,^)!,$@@ != ;fwf/0f hu]8f sf]if #$,!$#,*!&

– @= k|:tfljt jf]g; z]o/ !)),))),)))

– #= k"FhLut hu]8f sf]if –

– $= Soflk6n l/l8Dk;g\ l/he{ –

– %= k"FhL ;dfof]hg sf]if –

– ^= cGo hu]8f tyf sf]if –

– -s_ e}k/L cfpg] hu]8f –

– -v_ ;+:yf ljsf; sf]if –

– -u_ nfef+z ;lds/0f sf]if –

– -3_ ljz]if hu]8f sf]if –

– -ª_ ;DklQ k"gd"{Nof+sg sf]if –

– -r_ cGo :jtGq sf]if –

– -5_ cGo hu]8f sf]if

@@,#((,!%^ &= ;l~rt gfkmf÷gf]S;fg #!,#)%,%*!

^,%#@ *= ;6xL 36a9 sf]if –

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

cg';"rL #

k|fOd sdl;{on a}+s lnld6]8C0fkq tyf j08-@)^^ cfiff9 d;fGt_


!= ============== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ========= ¿= n] =========

ldlt ====================== df hf/L ePsf] / ldlt ================ df r'Stf x'g]

– -xfn;Ddsf] Redemption Reserve /sd ¿= ===========================_ –

@= ============== k|ltzt j08÷C0fkq k|lt j08÷C0fkq ========= ¿= n] =========

ldlt ====================== df hf/L ePsf] / ldlt ================ df r'Stf x'g]

– -xfn;Ddsf] Redemption Reserve /sd ¿= ===========================_ –

#=

– hDdf !+@+# –


cg';"rL $k|fOd sdl;{on a}+s lnld6]8

ltg{ af“sL shf{ -;fk6L_-@)^^ cfiff9 d;fGt_


@^%,%)@,%)) s= :jb]zL %)),^!#,%@$– != g]kfn ;/sf/ –– @= g]kfn /fi6« a}+s –– #= l/kf] bfloTj –

@^%,%)@,%)) $= cGt/ a}+s tyf ljQLo ;+:yf %)),^!#,%@$– %= cGo ;+ul7t ;+:yfx¿ –– ^= cGo –

@^%,%)@,%)) hDdf %)),^!#,%@$

v= ljb]zL #*,&%),)))

– != a}+sx¿ #*,&%),)))– @= cGo –

– hDdf #*,&%),)))@^%,%)@,%)) hDdf -s+v_ %#(,#^#,%@$


cg';"rL %k|fOd sdl;{on a}+s lnld6]8

lgIf]k lx;fa-@)^^ cfiff9 d;fGt_


!= Jofh ltg'{ gkg]{ vftfx¿(^,@!!,%$! s= rNtL lx;fa @@(,@^^,!%)

(@,*#*,$** != :jb]zL d'b|fdf @!%,@*),()*– !=! g]kfn ;/sf/ –

!),))) !=@ æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ @,^@(,^^@

!^,%)%,&#^ !=# cGo Ohfht k|fKt ljQLo ;+:yfx¿ !%,%!@,%**

^&,%^#,!$! !=$ cGo ;+ul7t ;+:yfx¿ !&!,*%%,&!*

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

– !=^ cGo *!!,))(

#,#&#,)%# @= ljb]zL d'b|fdf !#,(*%,@$@– @=! g]kfn ;/sf/ –

– @=@ æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ –

– @=# cGo Ohfht k|fKt ljQLo ;+:yfx¿ –

#,#&#,)%# @=$ cGo ;+ul7t ;+:yfx¿ !#,(*%,@$@

– @=% JolQmut –

– @=^ cGo –

#$,@$*,)^* v= dflh{g $(,(!*,*)&– != sd{rf/L hdfgt –

#,^@!,$)) @= hdfgt dflh{g @#,*^#,(%)

#),^@^,^^* #= k|lttkq dflh{g @^,)%$,*%&

– u= cGo –– != :jb]zL d'b|fdf –– !=! ljQLo ;+:yfx¿ –

– !=@ cGo ;+ul7t ;+:yfx¿ –

– !=# JolQmut –

– @= ljb]zL d'b|fdf –– @=! ljQLo ;+:yfx¿ –

– @=@ cGo ;+ul7t ;+:yfx¿ –

– @=# JolQmut –

!#),$%(,^)( Jofh ltg'{ gkg]{ vftfx¿sf] hDdf @&(,!*$,(%&


cg';"rL %k|fOd sdl;{on a}+s lnld6]8

lgIf]k lx;fa-@)^^ cfiff9 d;fGt_


@= Jofh ltg'{ kg]{ vftfx¿!,@!$,#^(,%)! s= art lx;fa @,)!*,#!%,^(!!,@)^,$*(,@&( != :jb]zL d'b|fdf @,))%,(%$,)#*

!^,#!@,$#& !=! ;+3 ;+:yfx¿ @^,&#),!$(

!,!*#,(@@,#*% !=@ JolQmut !,(&(,@)%,!^%

^,@%$,$%& !=# cGo !*,&@$

&,**),@@@ @= ljb]zL d'b|fdf !@,#^!,^%@&,@@^,^^# @=! ;+3 ;+:yfx¿ (,&&%,%)@

^%#,%%( @=@ JolQmut @,%*^,!%)

– @=# cGo –

@,!(^,)%#,))) v= d"2tL lx;fa %,#*),*^),!*^@,!(^,)%#,))) != :jb]zL d'b|fdf $,%@*,#^),!*^@,!$$,)&&,))) !=! ;+3 ;+:yfx¿ $,#!@,^^&,)))

%!,(&^,))) !=@ JolQmut @!%,^(#,!*^

– !=# cGo –

@= ljb]zL d'b|fdf *%@,%)),)))– @=! ;+3 ;+:yfx¿ *%@,%)),)))

– @=@ JolQmut –

– @=# cGo –

!,&#$,&^^,&!) u= dfu]sf] avt ltg'{kg]{ lx;fa $,!)!,^@*,#$#!,&#$,&^^,&!) != :jb]zL d'b|fdf $,)**,&#^,%$!

– !=! æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ !,))#,)^&,(*#

!,$&@,@&#,($# !=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ !,&#@,#(@,)*!

$,)*@,$*# !=# cGo ;+ul7t ;+:yfx¿ ()&,%*&,)^%

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

$,*$$,(^$ !=% cGo –

– @= ljb]zL d'b|fdf !@,*(!,*)@– @=! æsÆ ju{sf Ohfht k|fKt ;+:yfx¿ –

– @=@ cGo Ohfhtkq k|fKt ljQLo ;+:yfx¿ –

– @=# cGo ;+ul7t ;+:yfx¿ !@,*(!,*)@

– @=$ JolQmut –

– @=% cGo –

– 3= ;l6{lkms]6 ckm l8kf]lh6 –– != ;+ul7t ;+:yf –

– @= JolQmut –

– #= cGo –

%,!$%,!*(,@!! Jofh ltg'{kg]{ vftfx¿sf] hDdf !!,%)),*)$,@@)%,@&%,^$*,*@) -!+@_ hDdf lgIf]k !!,&&(,(*(,!&^


cg';"rL ^k|fOd sdl;{on a}+s lnld6]8

e'QmfgL lbg'kg]{ ljnx¿-@)^^ cfiff9 d;fGt_


&%@,*&! != :jb]zL d'b|f *,(^#,()&

– @= ljb]zL d'b|f *$$,&%)

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

cg';"rL &k|fOd sdl;{on a}+s lnld6]8

cGo bfloTj-@)^^ cfiff9 d;fGt_


– != k]G;g÷pkbfg sf]if –

– @= sd{rf/L ;~ro sf]if –

– #= sd{rf/L sNof0f sf]if –

$,)**,^@( $= sd{rf/L jf]g; Joj:yf @),@^$,*#^

– %= lgIf]kdf e'QmfgL lbg afFsL Jofh –

!,(%$ ^= ;fk6Ldf e'QmfgL lbg afFsL Jofh #,##^,$(!

– &= kfsL g;s]sf] l8:sfp06 / sldzg –

&*,^&(,&*( *= ;08«L qm]l86;{ $,!(*,@&)

– (= lx;fa ldnfg –

!,(*^,@^^ !)= :yug s/ bfloTj !,@)!,&($

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

!(%,!@% -s_ n]vf kl/If0f z'Ns @#^,(#*

##,^##,(!^ -v_ ljljw bfloTj ^$,)@),@@%

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

cg';"rL *

k|fOd sdl;{on a}+s lnld6]8gub df}Hbft

-@)^^ cfiff9 d;fGt_ut jif{ ¿= ljj/0f o; jif{ ¿=

(!,&**,^)) != :jb]zL d'b|f -l;Ssf ;d]t_ @&^,@)%,%#(

#(^,*(& @= ljb]zL d'b|f #,$&),##)

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


cg';"rL (k|fOd sdl;{on a}+s lnld6]8

g]kfn /fi6« a}+sdf /x]sf] df}Hbft-@)^^ cfiff9 d;fGt_

ut jif{ ¿= ljj/0f :jb]zL d'b|f ljb]zL d'b|f s"n ¿=ef=¿= kl/jTo{ lj=d"= hDdf

!&*,!(),#^% != g]kfn /fi6« a}+s ($$,)!$,@$^ – ^,()@,(!! ^,()@,(!! (%),(!&,!%&

!&*,!(),#^% s= rNtL vftf ($$,)!$,@$^ – ^,()@,(!! ^,()@,(!! (%),(!&,!%&

– v= cGo vftf – – – – –

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

cg';"rL !)

k|fOd sdl;{on a}+s lnld6]8a}+s÷ljQLo ;+:yfdf /x]sf] df}Hbft

-@)^^ cfiff9 d;fGt_ut jif{ ¿= ljj/0f :jb]zL d'b|f ljb]zL d'b|f s"n ¿

ef=¿= kl/jTo{ lj=d"= hDdf

!@,)*%,!^( != :jb]zL Ohfhtkq $#,)^),()& – *#!,$$$ *#!,$$$ $#,*(@,#%!

k|fKt ;+:yfx¿

!@,)*%,!^( s= rNtL vftf $#,)^),()& – *#!,$$$ *#!,$$$ $#,*(@,#%!

– v= cGo vftf – – – – –

!%,*)^,)## @= ljb]zL a}+sx¿ – %!,^^#,$$$ %#,!&&,@(& !)$,*$),&$! !)$,*$),&$!

!%,*)^,)## s= rNtL vftf – %!,^^#,$$$ %#,!&&,@(& !)$,*$),&$! !)$,*$),&$!

– v= cGo vftf – – – – –

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

gf]6M ;DalGwt Ohfhtk|fKt ;+:yfx¿sf] ;dy{gkq cg';f/sf] s"n df}Hbft ¿= !%#,$)%,$$%=&%

cg';"rL !!

k|fOd sdl;{on a}+s lnld6]8dfu tyf cNk ;"rgfdf k|fKt x'g] /sdx¿


$%),))),))) != :jb]zL d'b|fdf –

– @= ljb]zL d'b|fdf –

$%),))),))) hDdf –


cg';"rL !@k|fOd sdl;{on a}+s lnld6]8

nufgL-@)^^ cfiff9 d;fGt_

ut jif{ ¿= ljj/0f k|of]hg o; jif{ ¿=Jofkfl/s cGo

!(),^)%,#$) != g]kfn ;/sf/sf] 6«]h/L ljn &!*,^&!,#!) &!*,^&!,#!)

– @= g]kfn ;/sf/sf] artkq – –

– #= g]kfn ;/sf/sf] cGo C0fkq – –

– $= g]kfn /fi6« a}+ssf] C0fkq – –

– %= ljb]zL C0fkq – –

!*),))),))) ^= :jb]zL Ohfhtkq k|fKt ;+:yfx¿ %!&,%)),))) %!&,%)),)))

&,(%&,&^! &= ljb]zL a}+s *^),&$%,&$! *^),&$%,&$!

– *= ;+ul7t ;+:yfx¿sf] z]o/ !@%,))) !@%,)))

– (= ;+ul7t ;+:yfx¿sf] l8j]Gr/ tyf j08 – –

– !)= cGo nufgL – –

#&*,%^#,!)! s"n nufgL @,)(&,)$@,)%!

– Joj:yf – –

#&*,%^#,!)! v"b nufgL @,)(&,)$@,)%! @,)(&,)$@,)%!


*dfly pNn]lvt /sd g]kfn lSnol/Ë xfp; ln=sf] ;+:Yffks z]o/df nufgL ul/Psf] dWo] %Ü sn /sd xf] .

cg';"rL !@-s_k|fOd sdl;{on a}+s lnld6]8

z]o/, l8a]Gr/ tyf a08df nufgL-@)^^ cfiff9 d;fGt_

ut jif{ ¿= ljj/0f k/n ahf/ Joj:yf o; jif{ ¿df]n ¿= d"Nofg';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/ -dWo] ===== jf]g; ;d]t_ k|lt z]o/

¿= ============== n] r'Qmf

!=# =========== sDkgL -k|f=ln=÷ln=_

=========== k|ltzt =============== lk|km/]G; z]o/ k|lt z]o/

¿= ============== n] r'Qmf

– @= l8j]Gr/ tyf j08 nufgL – –

@=! ========= sDkgL -k|f=ln=÷ln=_

========= k|ltzt l8j]Gr/÷j08 k|lt l8j]Gr/÷j08

¿= ====================== n] ================

@=@ =========================================

@=# ==========================================

– 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 !

#k|fOd

sdl

;{on a

}+s lnld

6]8shf{ ;f

k6 t

yf lan

vl/b

juL{s

/0f /

;f]sf] Jo

j:yf

-@)^

^ cfiff9 d

;fGt_

ut j

if{ ¿=

ljj/

0fshf{

v/Lb ty

f l8

:sfp

06 u

l/Ps

f lan

o; j

if{ ¿=

ljb]z

LhDd

f:j

b]zL

ljb]z

LhDd

fk|f=If]=

cGo

!=;l

qmo sh

f{ ;fk6

ljldt

cljldt

%,!%

%,(&

),(%

^(Performing)

@)*,

@^),**

@(,^@

),%)

(,)@

!(,*@

*,&^

(,()

#!,%%

(,&^

$%^

$,#$

!@,!@

$,!)

%(,*#

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$,))

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%,!%

%,(&

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c;n

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@^),**

@(,^@

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(,)@

!(,*@

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(,()

#!,%%

(,&^

$%^

$,#$

!@,!@

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%(,*#

),*(

$,))

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–!=@

k'g/;

+/rgf

ul/P

sf]

––

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–

–@=

lgl:q

mo s

hf{ ;

fk6

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sd;

n@=@

z+sf:k

b

@=#

v/fa

%,!%

%,(&

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^-s

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shf

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*,@^

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(,)@

!(,*@

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#!,%

%(,&

^$%^

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shf{ gf]S;

fgL Jo

j:yf

%!,%%(

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#=!

c;n

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((^

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(*,@*&

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!%,%(*

%,^$

#@!

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(*,#)

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)

#=@

k'g;+/

rgf

ul/P

sf]

#=#

sd;

n#=$

z+sf:k

b

#=%

v/fa

%!,%%(

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-v_

s"n Joj

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((^

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(*,@*&

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!%,%(*

%,^$

#@!

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(*,#)*

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–$=

ut j

if{;Dd

sf] Joj

:yf

$=!

c;n

%!,%#(

,*!*

%!,%#(

,*!*

!(,^!^

@&^

!(,*

(@%!

,%%(

,&!)

$=@

k'g;+/

rgf

ul/P

sf]

$=#

sd;

n$=

$z+sf:k

b$=

%v/fa

–-u

_ut

jif{;

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] s"n

Joj:

yf–

%!,%#(

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–%!

,%#(

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!(,^!^

@&^

!(,*

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–-3

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jif{s

f] Joj

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tf{

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jif{s

f] yk

Joj:

yf@,)*

@,^)

($$

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$^,&

$&,*

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f] yk3

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!,@$^

v"b s

hf{ -s–

v_@)

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#(,%@

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#,(#

)(,&#

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@,@)

$!,%$

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&%%

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&

:jb]z

L


cg';"rL !#-s_k|fOd sdl;{on a}+s lnld6]8

shf{, ;fk6 / ljN; vl/bsf] ;'/If0f-@)^^ cfiff9 d;fGt_


%,!%%,(&),(%^ -s_ ;'/lIft (,*#),*($,))*$,$)*,)^@,()) != rn÷crn ;DklQsf] ;'/If0fdf *,*$$,@#^,)$(

– @= :jb]zL Ohfhtkq k|fKt ;+:yfsf] hdfgtdf –

– #= ;/sf/L hdfgtdf #(,*#!,*$(

– $= cGt/f{li6«o >]0fLs[t a}+ssf] hdfgtdf –

– %= lgof{t sfuhft (Export Document) sf] ;+/If0fdf –

%),)^),)^^ ^= d'2tL /l;bsf] ;'/If0fdf !#@,!^#,^)*

%),)^),)^^ -s_ ;+:yfsf] cfˆg} d"2tL /l;bsf] ;'/If0f !!),!!#,^)*

– -v_ cGo Ohfhtkq k|fKt ;+:yfsf] d"2tL /l;bsf] ;'/If0f @@,)%),)))

– &= ;/sf/L C0fkqsf] ;'/If0fdf –

– *= sfp06/ hdfgtdf !^%,))),)))

– (= JolQmut hdfgtdf –

^(&,*$&,(() !)= cGo ;'/If0fdf ^$(,^^@,%)@

– -v_ c;'/lIft –%,!%%,(&),(%^ hDdf (,*#),*($,))*


cg';

"rL !$

k|fOd

sdl

;{on a

}+s lnld

6]8l:y/

;Dk

lQ-@)^

^ cfiff9 d

;fGt_

ut j

if{ ¿=

ljj/

0f

;DklQ

o; j

if{ ¿=

ejg

kl/j

xgd]l

zg/

Lkmlg{r/

sfof{n

ocGo

;fwg

;fdf

g

!=k/

ndf]n

#@,^**,&!@

-s_

ut j

if{ df}Hbft

&,*!*

,)(!

!@,&(@

,*^#

$,&!!

,)%#

&,#^

^,&)

%–

#@,^**,&!@

-v_

o; j

if{ yk

–!$

,@#)

,!&!

^,&#

#,^!

&%,(#

$,&&&

!&,%&#

,*$*

–$$,$

&@,$

!#

–-u

_o;

jif{

k"gd{"No

f+sg÷

k"gn]{vg

––

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–

–-3

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jif{s

f] ljqmL

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–

–-ª_

o; j

if{sf] ckn

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#@,^**

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s"n

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ndf]n

@@,)$*

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!(,%@^

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!),^$%

,*#)

@$,($)

,%%#

–&&

,!^!

,!@%

@=x«f; s

§L

-s_

ut j

if{ ;Dd

sf]

!,!$

$,@@!

!,((

&,@$

#&)

$,@$@

!,!$

&,*%&

–$,((#

,%^#

$,((#

,%^#

-v_

o; j

if{sf]

$,)#)

,$&!

#,@#

&,(^

%!,&)

(,@)

%#,$)*

,!(@

–!@

,#*%,*#$

–-u

_x«f;s§L k

"gd{"No

f+sg÷

k"gn]{vg

––

––

–

$,((

#,%^

#s"n

x«f;s

§L%,!&

$,^(

@%,@#

%,@)

*@,$!

#,$$

&$,

%%^,)$

(–

!&,#&(

,#(&

@&,^(%

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#=a's

Eof

n' (WDV*) -!–

@_!^

,*&#

,%^(

!$,@(!

,@&@

*,@#@

,#*@

@),#*$,%)$

–%(

,&*!,&@

&

$=

hUu

f

%=k"Fh

Lut lgd

f{0f

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/0f ul/g'

kg]{_

!@,^#*

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^=nLh

xf]N8 ;

DklQ

$*,@*@,%&

)$*,@*@,%&

)

$),###

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hDd

f -#+$+%

+̂_!^

,*&#

,%^(

!$,@(!

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*,@#

@,#*

@@)

,#*$

,%)$

$*,@*@

,%&)

!)*,

)^$,

@(&


cg';

"rL !%

k|fOd

sdl

;{on a

}+s lnld

6]8u}/

a}+ls

· ;D

klQ

-@)^

^ cfiff9 d

;fGt_

ut j

if{ ¿=

C0fL jf k

f6L{s

f] gfd

7]ufgf

u}/ a

}+ls·

;DklQ

s"n

u}/ a

}+ls·

gf]S;

fgL J

oj:y

fv"b u}/

a}+ls

·;s

f/ u

/]sf] l

dlt

;DklQ /

sd

¿=

k|ltz

t/s

d ¿=

;DklQ ¿

=

s"n

hDd

f


cg';"rL !^k|fOd sdl;{on a}+s lnld6]8

cGo ;DklQ-@)^^ cfiff9 d;fGt_


$&$,$@# != d;nGb df}Hbft #,)%(,#%$

@,@$),$@& @= nufgLdf c;'n ug{ afFsL cfDbfgL !@,^)(,*&@

!&,(@^ #= shf{df c;'n ug{ afFsL Jofh !,$#$,($@

-!&,(@^_ Go"g Jofh d"NtjL /sd -!,$#$,($@_

– $= c;'n ug{ afFsL sldzg –

– %= ;G8«L 8]6;{ –

#,)**,**( ^= sd{rf/L ;fk6L / k]ZsL !,$@),)#!

$,@(&,&^% &= clu|d e'QmfgL ^,)$^,*))

– *= dfu{:y gub –

*%,)(),#$) (= dfu{:y cGo -r]s ;d]t_ ($,#(^,!%(

– !)= ljgf ;"rgf 8«fˆ6sf] e'QmfgL –

#,!^%,&!# !!= ckn]vg x'g afFsL vr{ –

– !@= zfvf ldnfg lx;fa –

!*,%^$,&@* !#= cGo @@,##&,&!&

!,$#!,^@$ s= clu|d s/ e'QmfgL !,##$,@@^

$,*#),@*( v= ckn]vg x'g af+ls ;ˆ6j]o/ vr{ #,*&#,^^)

u= ;xfos sDkgL ;dfof]hg vftf !@),)))

!@,#)@,*!% 3= cGo !&,))(,*#!

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

cg';"rL !^-s_

k|fOd sdl;{on a}+s lnld6]8cGo ;DklQ -yk ljj/0f_


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

!= shf{df c;'n ug{ afFsL Jofh – – – –

@= ljgf ;"rgf 8«fˆ6sf] e'QmfgL – – – –

#= zfvf ldnfg lx;fa – – – –

$= :jb]zL tyf ljb]zL Ph]G;L – – – –

hDdf – – – –


cg';"rL !&k|fOd sdl;{on a}+s lnld6]8

;Defljt bfloTjx¿-@)^^ cfiff9 d;fGt_


– != ;+:yf pk/ bfjL k/]sf] t/ ;+:yfn] bfloTj :jLsf/ gu/]sf] –

$$),@^%,&$@ @= k|lttkqx¿ -k"/f /sd_ $@^,@&(,(#!

$$),@^%,&$@ -s_ ^ dlxgf eGbf sd cjlwsf] $@^,@&(,(#!

– -v_ ^ dlxgf eGbf j9L cjlwsf] –

– #= k'gM l8:sfp06 ul/Psf ljnx¿ –

#)@,#$^,)^$ $= Dofb gfl3 g;s]sf] Uof/]06L÷j08 $%%,%*%,$^#

!!),*(%,!&$ -s_ la8 j08 !!%,^)(,&)*

!(!,$%),*() -v_ k/km/d]G; j08 ##(,(&%,&%%

– -u_ cGo Uof/]06L÷j08 –

– %= r"Qmf jf e'QmfgL x'g afFsL z]o/ nufgL –

– ^= km/jf8{ PS;r]Gh sG6«fS6sf] afFsL bfloTjx¿ –

– &= sn]S;gdf /x]sf ljnx¿ –

– *= d~h'/L tyf ;dy{g (Acceptance & Endorsement) -

– (= k|Tofe"lt k|ltj4tf (Underwriting Commitment) -

– !)= ckl/jTo{ shf{ k|ltj4tf (Irrevocable Loan Commitment) -

– !!= cGt/f{li6«o >]0fLs[t a}+ssf] sfpG6/ Uof/]G6Ldf lbPsf] Uof/]G6L –

^!,$!%,&(( !@= clu|d e'QmfgL Uof/]06L (Advance Payment Guarantee) #&%,(##,$@$

%$%,))) !#= shf{ k|jfxsf] nflu ljlQo hdfgt (Financial Guarantee) ((%,)))

– !$= cfos/ jfkt ;Defljt bfloTj (Contingent Liabilities on Income Tax) –

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


cg';"rL !*k|fOd sdl;{on a}+s lnld6]8

Jofh cfDbfgL->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_


@)$,@@(,$*) s= shf{ ;fk6 / clwljsif{df &&@,*&^,##(!@@,@)*,#^! != shf{ ;fk6 %)),*!(,&#*

*@,)@!,!!( @= clwljsif{ @&@,)%^,&)!

v= nufgLdf@,*^%,$@* != g]kfn ;/sf/sf] C0fkq !),(^&,)&*

@,*^%,$@* -s_ 6«]h/L laN; !),(^&,)&*

– -v_ ljsf; C0fkq –

– -u_ /fli6«o artkq –

– @= ljb]zL C0fkq –

– -s_ –

-v_ –

#= g]kfn /fi6« a}+ssf] C0fkq –

– $= l8j]Gr/ tyf j08 –

(,*@!,@$( %= cGt/ a}+s nufgLdf Aofh @(,&$&,^(!

(,*@!,@$( -s_ a}+s÷ljQLo ;+:yfx¿ @(,&$&,^(!

– -v_ cGo ;+:yfx¿ –

$%),@@^ u= Ph]G;L df}Hbftdf @@*,^$($$#,@$& != :jb]zL a}+s÷ljQLo ;+:yfx¿ !#^,@!@

^,(&( @= ljb]zL a}+xx¿ (@,$#&

#,*#(,%!% 3= dfu tyf cNk ;"rgfdf k|fKt x'g] df}Hbftdf *,*^$,^*)#,*#(,%!% != :jb]zL a}+s÷ljQLo ;+:yfx¿ *,*%*,%!^

– @= ljb]zL a}+sx¿ ^,!^$

#,#@$,)%( ª= cGodf –– != ;l6{lkms]6 ckm l8kf]lh6 –

– @= cGt/ a}+s÷ljQLo ;+:yf shf{ –

#,#@$,)%( #= cGo –

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


cg';"rL !(k|fOd sdl;{on a}+s lnld6]8

Jofh vr{->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_


s= lgIf]k bfloTjdf%&,*!*,&&& != d'2tL lgIf]k @*@,)%&,$#&

%&,*!*,&&& !=! :jb]zL d'b|f @*@,)%&,$#&

– !=@ ljb]zL d'b|f –

#),($^,@** @= art lgIf]k **,^)&,^^)#),(!*,&(! @=! :jb]zL d'b|f **,#&!,@#*

@&,$(& @=@ ljb]zL d'b|f @#^,$@@

@$,%!@,%!@ #= dfu]sf] avt ltg'{kg]{ lgIf]k !%%,$!#,)%&@$,%!@,%!@ #=! :jb]zL d'b|f !%$,)%!,@)*

– #=@ ljb]zL d'b|f !,#^!,*$(

– $= ;l6{lkms]6 ckm l8kf]lh6;\ –*,)*^,(&^ v= shf{ ;fk6df #*,%&^,#($

– != C0fkq tyf j08 –

– @= g]kfn /fi6« a}+saf6 k|fKt shf{ %!%,$&(

*,)*^,(&^ #= cGt/ a}+s÷ljQLo ;+:yf shf{ #*,)^),(!%

– $= cGo ;+ul7t ;+:yf –

– %= cGo shf{ –

u= cGodf –– != ================================ –

– @= =============================== –

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


cg';"rL @)k|fOd sdl;{on a}+s lnld6]8

sldzg tyf l8:sfpG6->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_


!(,)%% s= laN; v/Lb tyf l8:sfp06 !,)%@,%*%!(,)%% != :jb]zL !,)!^,(*@

– @= ljb]zL #%,^)$

%,!(),)^% v= sldzg !(,*&(,$%*!,(!!,@!@ != k|lttkq ^,$#),@@)#,!!$,&&% @= hdfgtkq !@,*@(,)#^

^(,()& #= sn]S;g kmL ##(,*%!($,!&! $= /]ld6]G; kmL @%!,(&$

– %= qm]l86 sf8{ –– ^= z]o/ k|Tofe"lt÷lgisfzg –– &= ;/sf/L sf/f]af/ jfkt –– *= O=k|f sldzg jfkt @*,#&^– (= a§f cfDbfgL –

– u= cGo %*#,*^%%,@)(,!@) hDdf @!,%!%,()*

cg';"rL @!

k|fOd sdl;{on a}+s lnld6]8cGo ;~rfng cfDbfgL


*%,@%) != ;]km l8kf]lh6 eN6sf] ef8f @((,!@%

– @= qm]l86sf8{ lgisfzg tyf gjLs/0f –

!!,**% #= AT M sf8{ lgisfzg tyf gjLs/0f !$*,$%)

@*$,#(* $= 6]n]S;÷l6=6L= (&$,^!&

#%,#%^,#)$ %= ;]jf z'Ns &%,&^),)!)

– ^= gjLs/0f z'Ns –

!&),^*^ &= cGo $,^)&,&!^

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


cg';"rL @#k|fOd sdl;{on a}+s lnld6]8

sd{rf/L vr{->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_


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

%,&$@,%@% @= eQf *,#%),^($

!,!%*,)&( #= ;~rosf]ifdf yk !,^#$,(((

!)^,(%% $= tflnd vr{ #(),&**

$^#,!&* %= kf]zfs ((&,@&)

– ^= cf}ifwf]krf/ –

– &= aLdf –

– *= k]G;g tyf pkbfg Joj:yf –

&(%,!)% (= cGo @,#)$,#@%

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

cg';"rL @@

k|fOd sdl;{on a}+s lnld6]8;6xL 36a9 cfDbfgL÷gf]S;fg


@^,!@* s= ljlgdo b/df ePsf] km/saf6 -&*(,%%$_

#,#&^,$$# v= ljb]zL d'b|f sf/f]af/af6 -a§f afx]s_ !!,&%),&!(

#,$)@,%&! hDdf cfDbfgL÷ -gf]S;fg_ !),(^!,!^%


cg';"rL @$k|fOd sdl;{on a}+s lnld6]8

cGo ;~rfng vr{->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_


%,#%#,%*$ != 3/ef8f !!,*^%,%^&

!,#&(,%^% @= aQL ljh'nL / kfgL @,&*%,^%*

%(,@$$ #= dd{t tyf ;Def/ !(#,&!^

– -s_ ejg #$,*(#

%(,@$$ -v_ ;jf/L ;fwg !%^,^$*

– -u_ cGo @,!&%

&^*,^($ $= aLdf @,&^#,#^$

!,&&#,^*# %= kf]i6]h, 6]n]S;, 6]lnkmf]g, ˆofS; %,!(%,$*!

!%^,))% ^= sfof{no pks/0f kmlg{r/ / ;Def/ (!,^*@

@(^,^@* &= e|d0f eQf / vr{ *)%,%@*

!,%^!,#!) *= d;nGb / 5kfO{ !(,#@,!$)

!&,$$) (= kqklqsf tyf k':ts @$,#%(

@,)(%,^(% !)= lj1fkg @!,(@,%!(

$),))) !!= sfg"gL vr{ #),)))

– !@= rGbf !**,^$)

$(%,#%# !#= ;~rfns ;ldlt ;DaGwL vr{ $&(,$$@

$$$,))) s= a}7s eQf $)*,)))

%!,#%# v= cGo vr{ &!,$$@

– !$= ;fwf/0f ;ef ;DaGwL vr{ !!%,$^)

!(&,&%) !%= n]vfk/LIf0f ;DaGwL vr{ @$),!@%

!(&,&%) s= n]vfk/LIf0f z'Ns @$),!@%

– v= cGo vr{ –

– !^= /sd :yfgfGt/0f sldzg –

$,((#,%^# !&= :yL/ ;DklQdf ¥xf; s§L !@,#*%,*#$

!,%*@,*%^ !*= k"j{ ;~rfng vr{ ckn]vg #,!^%,&!#

– !(= z]o/ lgisfzg vr{ #,(&(,&(#

– @)= k|fljlws ;]jf ;f]wegf{ –

!,$#^,(@& @!= dgf]/~hg vr{ @,##(,^@@

– @@= ckn]vg vr{ –

($&,$^# @#= ;'/Iff vr{ #,%!%,)%&

!)&,#)# @$= shf{ ;'/If0f lk|ldod –

– @%= sldzg / l8:sfp06 !,#*(,&!$

%,(##,(%$ @^= cGo !@,^#%,@)^

!,@@),!^( -s_ /lhi6«]zg z'Ns / gljs/0f !,&^^,%!#

!,)*^,%#& -v_ lnhxf]N8 ;DklQ ckn]vg $,)(),**#

*#@,@&& -u_ ;ˆ6j]o/ ckn]vg !,!&),(*$

!&!,!%) -3_ ;/;kmfO{ vr{ #)$,!#%

!,)$@,(!( -ª_ O{Gwg vr{ @,()!,&#)

!,%*),()@ -r_ ljljw vr{ @,$)),(^@

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


cg';"rL @&

k|fOd sdl;{on a}+s lnld6]8;Defljt gf]S;fgL Joj:yfaf6 lkmtf{

-cf=j= @)^%÷^^_ut jif{ ¿= ljj/0f o; jif{ ¿=

– != shf{ gf]S;fgL Joj:yfaf6 lkmtf{ –

– @= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yfaf6 lkmtf{ –

– #= nufgL Joj:yfaf6 lkmtf{ –

– $= cGo ;DklQsf] Joj:yfaf6 lkmtf{ –

– hDdf –

cg';"rL @^

k|fOd sdl;{on a}+s lnld6]8u}/ ;+rfng cfDbfgL÷gf]S;fg


– != nufgL laqmLaf6 cfDbfgL÷-gf]S;fg_ –

– @= ;DklQ laqmLaf6 cfDbfgL÷-gf]S;fg_ –

– #= nfef+z –

– $= g]kfn /fi6« a}+saf6 k|fKt ;x'lnot –

– s= tf]lsPsf] zfvfx¿sf] gf]S;fg jfkt Ifltk"lt{ –

– v= Jofh Ifltk"lt{ –

– u= ;6xL sfp06/ –

– %= cGo –

– v'b u}/ ;+rfng cfDbfgL÷-gf]S;fg_

cg';"rL @%

k|fOd sdl;{on a}+s lnld6]8;Defljt gf]S;fgL Joj:yf


%!,%%(,&!) != shf{ gf]S;fgL Joj:yfdf ePsf] a[l4 $^,&$(,@#!

– @= nufgL gf]S;fgL Joj:yfdf ePsf] a[l4 –

– #= u}/ a}+lsË ;DklQ gf]S;fgL Joj:yf –

– $= cGo ;DklQdf ul/Psf] Joj:yf –

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


cg';"rL @*-s_

k|fOd sdl;{on a}+s lnld6]8c;fdfGo sf/f]jf/x¿ af6 ePsf] cfDbfgL÷vr{

-@)^^ cfiff9 d;fGt_

qm=;+= shf{ k|sf/ ckn]vg lwtf]sf] shf{ :jLs[t shf{ c;"nLsf nflu s}lkmotul/Psf] /sd k|sf/ tyf /sd ug]{ clwsf/L÷tx eP u/]sf] k|of;

!= rfn' k"FhL

shf{ – – – – –

@= kl/of]hgf

shf{ – – – – –

#= l:y/ k"FhL

shf{ – – – – –

$= JolQmut

shf{ – – – – –

%= cGo shf{ – – – – –

cg';"rL @*k|fOd sdl;{on a}+s lnld6]8

c;fdfGo sf/f]jf/x¿af6 ePsf] cfDbfgL÷vr{->fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Dd_


– != ckn]vg ePs]f shf{sf] c;"nL –

– @= :j]lR5s cjsfz vr{ –

– #= c;"nL x'g g;Sg] shf{sf] pkn]vg -$=@* s_ –

– $= cGo vr{÷cfDbfgL –

– %= ====================== –

– hDdf


cg';

"rL @

(

k|fOd

sdl

;{on a

}+s lnld

6]8;+r

fns, sfo{sf/L k|d

'v, ;+:

yfks

, sd{r

f/L,

z]o/

xf]N8

/x¿nf

O{ uP

sf] shf{ ;f

k6 ljj

/0f

-@)^

^ cfiff9 d

;fGt_

v/Lb

tyf l8

:sfp

06 u

l/Ps

f lanx¿

/ s

hf{,

;fk6

tyf clwljsif{d

f k|j

flxt

s"n /

sd d

Wo] ;

~rfn

s, sfo

{sf/L k|d

'v, ;+:y

fks, sd{rf/L,

z]o/

xf]N8

/x¿ / lg

hx¿

sf] kl/j

f/sf ;b:

o jf To:

tf JolQm hdfg

L a;

]sf] jf d

}g]lhË

Ph]G6

ePs

f] s'g}

;+:y

f jf s

DkgL

nfO{ u

Psf] /s

dsf] ljj/

0f b

]xfo

adf]lh

d 5

.

;+:yfks

÷;~

rfn

s÷sfo{sf/L

ut j

if{;Dd

sf] af“sL

o; j

if{ c;'n

Lo;

jif{

cfiff9 d

;fGt;D

d af“sL

k|d'vsf] gfd

;f“jf

Jofh

;f“jf

Jofh

yk s

hf{

;f“jf

Jofh

-s_

;~r

fns

!= @=

-v_

sfo

{sf/L k|d

'v

!= @=

-u_

;+:y

fks

!= @=

-3_

sd{rf/L

!= @=

-ª_

z]o/

wgLx¿

!= @= hDd

f


cg';"rL #)k|fOd sdl;{on a}+s lnld6]8

k"“hLsf]if tflnsf-@)^^ cfiff9 d;fGt_


!=! hf]lvd efl/t ;DklQ

%,^@&,**^,)%) -s_ shf{ hf]lvd !),#*#,()%,^$$

@@!,%@*,$@& -v_ ;+rfng hf]lvd $$*,**^,*@!

^,&@#,@$@ -u_ ahf/ hf]lvd #),!$&,&%#

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

&@$,*#$,*^% !=@ k|fylds k"FhL (Tier I) !,)@(,@)$,#((

&)),))),))) s= r"Qmf k"FhL &)),))),)))

sN;\ Og P8efG; !^#,&%%,)))

– v= z]o/ lk|ldod

– u= lkmtf{ gx'g] cu|flwsf/ z]o/

3= k|:tfljt af]g; z]o/ !)),))),)))

%,^)!,$@@ ª= ;fwf/0f hu]8f sf]if #$,!$#,*!&

@@,#((,!%^ r= ;l~rt gfkmf÷-gf]S;fg_ #!,#)%,%*!

5= jf;nftdf b]vfO{Psf] rfn' cf=j= sf] gfkmf–gf]S;fg lx;fjsf] /sd

– h= k"FhL lkmtf{ hu]8f sf]if

– em= k"FhL ;dfof]hg sf]if

– `= cGo :jtGq sf]ifx¿

36fpg] M

– – Voflt (Goodwill) jfktsf] /sd

– – ;LdfeGbf a9L nufgL ul/Psf] /sd

#,!^%,&!# – cjf:tljs ;DklQ (Fictitious Assets)

– ljlQo :jfy{ /x]sf] sDkgLsf] lwtf]kqdf nufgL u/]sf] /sd

%!,%^^,@$@ k"/s k"FhL (Tier II) (*,#)*,($)

%!,%%(,&!) s= c;n shf{sf] nflu ul/Psf] shf{ gf]S;fgL Joj:yf (*,#)*,($)

v= ;DklQ k"g{d"NofÍg sf]if

– u= xfOla|8 k"FhL pks/0fx¿

– 3= ;'/If0f g/flvPsf] ;xfos cfjlws C0f

^,%#@ u= ;6xL ;lds/0f sf]if

3= cltl/Qm shf{ gf]S;fgL Joj:yf

– ª= nufgL ;dfof]hg sf]if

– r= nufgLdf xfgL jfktsf] Joj:yf

&&^,$)!,!)& hDdf k"“hLsf]if -s+ v_ !,!@&,%!#,##(

!=# k"FhLsf]if cg'kft

!@=#* k|fylds k"FhL÷s"n hf]lvd efl/t ;DklQ (Tier I) (=$&

!#=@^ k"FhL sf]if÷s"n hf]lvd efl/t ;DklQ (Tier I & Tier II) !)=#*


cg';"rL #)-s_k|fOd sdl;{on a}+s lnld6]8

hf]lvd efl/t ;DklQ ljj/0f tflnsf

k/n ljz]if u0fgf ug{ v"b /sd %o; jif{

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*= sd{rf/L vr{÷s"n ;~rfng vr{ k|ltzt $@=(@ ##=$$

(= s"n lgIf]k tyf ;fk6Ldf Jofh vr{ k|ltzt @=#) $=&(

!)= ;6xL 36a9 cfDbfgL÷s"n cfDbfgL k|ltzt !=@^ )=#^

!!= sd{rf/L af]g;÷s"n sd{rf/L vr{ k|ltzt !%=&) %(=)%

!@= v'b gfkmf÷shf{ ;fk6 k|ltzt )=%$ !=$%

!#= v'b gfkmf÷s"n ;DklQ cg'kft )=$$ !=)^

!$= s"n shf{÷lgIf]k k|ltzt (^=&% *#=$%

!%= s"n ;~rfng vr{÷s"n ;DklQ k|ltzt @)=%# !#=!@

!^= hf]lvd efl/t ;DklQ k"FhLsf]ifsf] kof{Kttf

-s_ k|fylds k"FhL k|ltzt !@=#! (=$&

-v_ k"/s k"FhL k|ltzt )=** )=()

-u_ s"n k"FhL sf]if k|ltzt !#=!* !)=#*

!&= t/ntf (CRR) k|ltzt %=*) *=&!

!*= lgis[o shf{÷s"n shf{ k|ltzt – –

!(= Jofh b/ cGt/ (Weighted Average Interest

Rate Spread) #=%% #=%&

@)= a"s g]6jy{ ¿= !)$ !@#=^$

@!= s"n z]o/ ;+Vof &,))),))) &,))),)))

@@= s"n sd{rf/L ;+Vof ^% !$#

@#= cGo – –


cg';"rL #@

k|d'v n]vf gLltx¿

!= ;fdfGo hfgsf/L M

sDkgL P]g, @)^# cGt{ut klAns lnld6]8 sDkgLsf] ¿kdf >fj0f !, @)^$ df btf{ ePsf] o; k|fOd sdl;{on a}+s lnld6]8, g]kfn /fi6«

a}+saf6 Ohfht k|fKt æsÆ ju{sf] ljQLo ;+:yf xf] . o; a}+ssf] /lhi68{ s]Gb|Lo sfof{no sf7df08f}sf] Go"/f]8df /x]sf] 5 . c;f]h &, @)^$af6 cfˆgf] a}+ls+u Joj;fo ljlwjt ¿kdf ;+rfngdf cfPsf] o; a}+ssf] cf=j=@)^%÷^^df ^ j6f zfvf sfof{no ;+rfngdf /x]sf] 5 .

>fj0f !, @)^% b]lv cfiff9 #!, @)^^ ;Ddsf] ;Dk"0f{ sf/f]jf/nfO{ ;d]6]sf] o; ljQLo ljj/0fnfO{ sflt{s !(, @)^^ df a;]sf];+rfns ;ldltsf] a}7saf6 k|sflzt ug{ :jLs[t k|bfg ul/Psf] 5 .

@= sDKnfOG; ljj/0f Mk|:t't ljQLo ljj/0fx¿ g]kfn /fi6« a}+ssf] lgb]{zgx¿, n]vfsf ;j{dfGo l;4fGtx¿, g]kfn n]vfdfg af]8{af6 hf/L n]vf ;DjGwL l;4fGtx¿,a}+s tyf ljQLo ;+:yf ;DjGwL P]g, @)^# tyf sDkgL P]g, @)^# ;d]tsf] k|fjwfgnfO{ cfwf/dfgL tof/ kfl/Psf] 5 .

#= tof/Lsf] cfwf/x¿ Mo; ljQLo ljj/0fx¿ cGo n]vf gLltx¿df pNn]v ul/Psf] afx]s jf:tljs cfwf/df / P]ltxfl;s nfutsf] dfGotfnfO{ cfwf/dfgL tof/kfl/Psf] 5 . ;j{dfGo n]vf l;4fGt tyf g]kfn n]vf dfkb08sf] n]vf+sg cg'dfg tyf lg0f{ofTds cEof; ug'{ kg]{ l;4fGt cg'¿k ljQLoljj/0fx¿ tof/ kfl/Psf] 5 .

g]kfnL ¿k}+ofdf tof/ kfl/Psf] o; ljQLo ljj/0fdf cfFs8fnfO{ glhssf] bzdnjdf ¿kfGt/ ul/Psf] 5 .

$= Jofh cfDbfgL Ms_ g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{ tyf ;fk6Ldf cflh{t Jofh cfDbfgLnfO{ gubk|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5 .

v_ a}+ssf] sd{rf/L ljlgodfjnL adf]lhd sd{rf/Lx¿nfO{ k|bfg ul/Psf] shf{ ;fk6Lsf] Jofh cfDbfgLnfO{ jf:tljs cfwf/df n]vf+sgul/Psf] 5 .

u_ nufgLaf6 cflh{t JofhnfO{ jf:tljs cfwf/df n]vf+sg ul/Psf] 5 .

%= kmL tyf sldzg MljN; vl/b, k|lt1f kq tyf hdfgt kq hf/L ubf{ k|fKt ePsf] cfDbfgLnfO{ gub k|fKtLsf] cfwf/df n]vf+sg ul/Psf] 5 .

^= Jofh vr{lgIf]k tyf ;fk6Ldf ePsf] Jofh vr{nfO{ jf:tljs cfwf/df n]vfªsg ul/Psf] 5 .

&= Jofh u0fgfsf] cfwf/lgIf]k tyf ;fk6Ldf Jofh vr{ tyf shf{ tyf ;fk6Ldf k|fKt x'g] Jofh cfDbfgL ! jif{df #^% lbgsf] cjwL dfgL u0fgf ul/Psf] 5 . t/g]kfn aflx/ ul/Psf] ljb]zL d'b|fsf] nufgLdf jif{df #^) lbgsf] cjwL dfgL u0fgf ul/Psf] 5 .

*= ljb]zL ljlgdo sf/f]jf/ Ms_ jf;nftsf] ldlt ;Dd /x]sf] ljb]zL d'b|fsf] ;DkQL tyf bfloTjnfO{ ;f]xL ldltdf sfod /x]sf] vl/b b/n] lx;fj u/L g]kfnL d"Nodf

¿kfGt/ ul/ n]vf+sg ul/Psf] 5 .

v_ ljb]zL d'b|fsf] vl/b laqmL d'No cGt/af6 k|fKt ePsf] cfDbfgLnfO{ ljb]zL ljlgdo ;6xL sf/f]jf/af6 ePsf] gfkmf gf]S;fgzLif{sdf n]vf+sg ul/ cg';"rL @@ df v'nfOPsf] 5 .

u_ ljb]zL d'b|fsf] ljlgdo b/df ePsf] cGt/af6 ePsf] v'b gfkmf÷gf]S;fg b}lgs ¿kd} d'Nof+sg u/L ;6xL k'g{d'Nof+sg gfkmf÷gf]S;fgzLif{sdf n]vf+sg ul/ cg';'rL @@ df v'nfO{Psf] 5 . g]kfn /fi6« a}+ssf] lgb]{zfg';f/ ;6xL 36a9 gfkmf gf]S;fgsf] @%Ü n] x'g]/sd cfly{s jif{sf] ;dfKtLdf ;6xL 36a9 sf]ifdf ;fl/Psf] 5 .


(= shf{ tyf ;fk6Lg]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd shf{ jlu{s/0f u/L pQm shf{df shf{ gf]S;fgL Joj:yf jfktsf] /sd Go"g u/L ljN; vl/b ;lxtsf]shf{ ;fk6L /sdnfO{ b]vfOPsf] 5 .

!)= shf{ gf]S;fgL Joj:yf Mshf{ ;fk6Ldf lglxt hf]lvdnfO{ Wofgdf /fvL g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd ;Defljt shf{ gf]S;fgLsf] Joj:yf ul/Psf] 5 .

!!= sd{rf/L ;fk6L Msd{rf/L ;]jf zt{ ljlgodfjnL adf]lhd a}+ssf] sd{rf/Lx¿nfO{ k|bfg ul/Psf] ;fk6LnfO{ g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd cGo;DklQdf b]vfOPsf] 5 .

!@= nufgL M;/sf/L ;'/If0fdf ul/Psf] nufgLnfO{ k/n d'Nodf n]vf+sg ul/Psf] 5 .

!#= l:y/ ;DklQ / ¥xf; s§L Ms_ P]ltxfl;s nfutdf ¥xf; s§f ul/ l:y/ ;DklQnfO{ b]vfOPsf] 5 . P]ltxfl;s nfutdf ;DklQ cfh{g ubf{ ePsf] k|ToIf vr {

;d]tnfO{ ;dfj]; ul/Psf] 5 .

v_ l:y/ ;DklQsf] pkef]u x'g] aif{sf] cfwf/df Straight Line Method af6 ¥xf; s§f ul/Psf] 5 . a}+ssf] l:y/ ;DklQdf lgDgfg';f/¥xf; s§L b/ sfod ul/Psf] 5 .

qm=;+= ljj/0f b/! ejg @=%Ü

@ kmlg{r/ tyf lkmSr;{ @) Ü

# sfof{nosf] ;fdfgx¿ @) Ü

$ uf8Lx¿ @) Ü

% sDKo'6/x¿ @) Ü

l:y/ ;DklQ vl/b ePsf] dlxgf jf l:y/ ;DklQsf] k|of]udf cfPsf] ldlt dWo] h'g cufl8 x'G5 To;}nfO{ cfwf/dfgL ¥xf; s§L ul/Psf] 5 .

u_ ¿= kFfr xhf/ eGbf sd d'Nosf] ;DklQnfO{ vl/b u/]sf] jif{df g} vr{df n]vf+sg ul/Psf] 5 .

!$= ;km\6j]o/x¿ tyf nLh xf]N8 ;DklQx¿sf] ckn]vg M

s_ sDKo"6/ ;km\6j]o/x¿ vl/b ubf{ ePsf vr{nfO{ k"FhLs/0f ul/Psf] 5 . tL nfut nfO{ % jif{ leq ckn]vg ul/g] 5 .

v_ nLhxf]N8 ;DklQdf ePsf] vr{nfO{ k"FhLs/0f ul/Psf] / nLhxf]N8 cjwL e/df ckn]vg ul/g] 5 .

u_ ;km\6j]o/ tyf nLhxf]N8 ;DklQ dfl;s ¿kd} ckn]vg ub}{ nlug] 5 .

!%= k"j{ ;+rfng vr{a}+sn] k"j{ ;+rfng vr{ tLg jif{ leq ckn]vg ug]{ gLlt lnPsf] 5 . t/ o; cfly{s jif{df ;Dk"0f{ afFsL k"j{ ;+rfng vr{nfO{ ckn]vgul/Psf] 5 .

!^= sd{rf/L ;'ljwf M

s_ sd{rf/L ;+ro sf]if Ma}+ssf] tkm{af6 ;+rosf]ifdf k|bfg ug]{ ;'ljwf k|bfg u/]sf] ldltdf g} vr{df b]vfOPsf]] 5 .


v_ ljbf ;+lrtL Msd{rf/LnfO{ ;+lrt ljbf afktsf] /sd gub vr{sf] cfwf/df n]vf+sg ug]{ a}+sn] gLlt lnPsf] 5 . sd{rf/L ;]jf zt{ ljlgodfjnLadf]lhd sd{rf/Lx¿nfO{ o; k|sf/sf] ;'ljwf k|bfg ul/g] 5 .

u_ pkbfg sf]if Mo; a}+sn] pkbfgnfO{ jSof}tf cfwf/df n]vf+sg ug]{ gLlt lnPsf] 5 . sd{rf/L ;]jf zt{ ljlgodfjnLdf sd{rf/Lx¿nfO{ o; k|sf/sf] ;'ljwfk|bfg ul/g] Joj:yf ul/Psf] 5 . a}+sdf % jif{;Dd nuftf/ sfd ul/ ;s]sf] sd{rf/LnfO{ dfq pkbfgsf] Joj:yf ePsf]n] o;sf] jf:tljsbfloTj a}+sdf 5}g . xfn a}+s ;+rfngdf cfPsf] b'O{ jif{ dfq ePsf] x'gfn] pkbfgsf] Joj:yf ul/Psf] 5}g .

!&_ u}/ a}+ls+u ;DklQ Mo; a}+s ;Fu s'g} u}/ a}+ls+u ;DklQ g/x]tfklg g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd cfjZostf cg'';f/ pNn]v ul/g] 5 .

!*_ s/ ;DjGwL Joj:yf Mcfos/ vr{df xfn ltg'{kg]{ s/ / :yug s/nfO{ ;dfj]z ul/Psf] 5 .

xfnsf] ltg'{ kg]{ s/ Ma}+sn] cfos/ P]g, @)%* tyf ;f] cGtu{t ag]sf] lgodfjnL adf]lhd s/sf] Joj:yf u/]sf] 5 . tyflk s/ n]vf k/LIf0f kZrft s/ bfloTjkm/s kg{ ;Sg]5 .

:yug s/ MljQLo ljj/0fsf] ;DklQ tyf bfloTj / s/ u0fgf ug{sf] nflu lnPsf] cfwf/ aLrsf] c:yfoL km/s /sdnfO{ s/ of]Uo gfkmf klxrfg ul/;f]df jt{dfg s/sf] b/ k|of]u u/L :yug s/ sfod ul/Psf] 5 .

!(= d;nGb Mo; a}+sn] cfˆgf] k|of]hgsf] nflu vl/b ul/Psf] d;nGb vl/b d'Nodf b]vfOPsf] 5 / pkef]usf] cfwf/df vr{ n]lvPsf] 5 .


n]vf ;DjGwL l6Kk0fLx¿

!= ;fwf/0f hu]8f sf]if Mrfn' cf=j=sf] v'b d'gfkmfsf] @) k|ltzt /sd g]kfn /fi6« a}+ssf] lgb]{lzsf adf]lhd ;fwf/0f hu]8f sf]ifdf ;fl/Psf] 5 .

@= ;6xL 36a9 hu]8f sf]if Mrfn' cf=j=@)^%÷^^ df ;6xL k'gd'{NofÍg 3f6f ePsf] x'gfn] ;6xL 36a9 hu]8f sf]if v8f ul/Psf] 5}g . a}+s tyf ljQLo ;+:yf ;DjGwLP]g, @)^# sf] bkmf $%-@_ adf]lhd ;6xL 36a9 hu]8f sf]ifnfO{ ;6xL 36a9 gf]S;fgL ;Fu dfq ;dfof]hg ug{ kfOG5 . To;} cg'¿k ;6xL36a9 gf]S;fgL ¿= &(^,)*^ nfO{ ;+lrt ;6xL 36a9 hu]8f sf]ifdf ¿= ^,%#@ ;dfof]hg u/L afFsL ¿= &*(,%%$ nfO{ cg';"rL @@ dfk|:t't ul/Psf] 5 .

#= sd{rf/L af]g; Ms/ ltg'{ cufl8sf] v'b d'gfkmfsf] !) k|ltztn] x'g cfpg] /sd u0fgf u/L sd{rf/L af]g;sf] Joj:yf ul/Psf] 5 .

$= sN; Og P8efG; (Calls in Advance) M;+:yfks z]o/wgLx¿af6 g]kfn /fi6« a}+ssf] kl/kq g+=@)÷@)^%÷^^ adf]lhd Calls in Advance df hDdf ePsf] /sd lkmtf{ gx'g]u/L Calls in Advance zLif{snfO{ cg';"rL ! df k|:t't ul/Psf] 5 / ;f] /sd nfO{ BASEL II adf]lhd k"FhLsf]ifdf u0fgf ug{sf]nflu k|of]u ul/Psf]5 .

%= ;km\6j]o/x¿sf] nfut tyf nLhxf]N8 ;DkQLsf] ckn]vg M

!= a}+ssf] n]vf gLlt adf]lhd ;km\6j]o/x¿sf] nfut ¿=!,!&),(*$ckn]vg u/L gfkmf gf]S;fg lx;fjdf vr{ hgfOPsf] 5 . aFfsL ¿=#,*&#,^^) ;km\6j]o/x¿sf] ckn]vg ug{ afFsL zLif{ssf] cg';"rL !^ df k|:t't ul/Psf] 5 .

@= a}+ssf] n]vf gLlt adf]lhd nLh xf]N8 ;DklQsf] ¿= $,)(),**# ckn]vg u/L gfkmf gf]S;fg lx;fadf hgfOPsf] 5 . afFsL ¿=$*,@*@,%&) dfq nLh xf]N8 ;DklQ ckn]vg ug{ afFsL zLif{ssf] cg';"rL !$ df b]vfOPsf] 5 .

^= k"j{ ;+rfng vr{ tyf cfDbfgL Ma}sn]] k"j{ ;+rfng vr{ # jif{ leqdf ckn]vg ug]{ gLlt lnPsf] 5 . t/ o; cfly{s jif{df ;Dk"0f{ afFsL k"j{ ;+rfng vr{ ¿= #,!^%,&!# nfO{a}+s ;+rfng ePsf] bf];|f] jif{df g} ckn]vg ul/Psf] 5 . o;n] ubf{ cf=j= @)^%÷^^ df ¿= !,%*@,*%& n] gfkmf sd b]vfOPsf] 5 .

&= cGo ;DklQ McGo ;DklQ leq sd{rf/Lx¿nfO{ z]o/ vl/b ug{ ¿= (,%*^,))) sd{rf/L ;fk6Ldf b]vfOPsf] 5 . To; afx]s a}+ssf] ;xfos sDkgLvf]Ngsf] nflu k/fdz{bftf z'Ns ¿= !@),))) nfO{ cg';"rL !^ df k|:t't ul/Psf] 5 .

*= k|Ztfljt af]g; z]o/ Mk|Ztfljt af]g; z]o/ jt{dfg z]o/ k"FhL ¿= ! cj{df lx;fj ul/Psf] 5 .

(= :yug s/ M

ljj/0f ljQLo ljj/0f adf]lhd s/ k|of]hgsf] nflu s/of]Uo c:yfoL km/s

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

k"j{ ;+rfng vr{sf] afFsL df}Hbft – – –

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

rfn' :yug s/ !,@)!,&(%

ut jif{sf] :yug s/ !,(*^,@^^

;dfof]lht :yug s/ -&*$,$&!_

* :yug s/ o; cf=j=sf] s/ b/df d'Nof+sg ul/Psf] 5 .


!)= lx;fj ldnfgsf] cj:yf M

lx;fj ldnfg cj:yf hDdf /sd # dlxgf ;Dd # dlxgf b]lv ( dlxgf ;Dd ( dlxgf b]lv ! jif{ ;Dd ! jif{ eGbf dfly

zfvf lx;fj ldnfg !^)=)) !^) – – –

Ph]G;L vftfx¿ – – – –

!!= shf{ tyf ;fk6Lsf] ;f/f+z M

¿= bz nfvdf

ljj/0f @)^%÷^^

z'¿ df}Hbft %,!%%

shf{ k|jfx !@,!*!

shf{ c;'nL &,%)%

clGtd df}Hbft (,*#!

!@= lgIf]k bfloTjsf] ;f/f+z M ¿= xhf/df

ljj/0f @)^%÷^^

Jofh ltg'{ gkg]{ lgIf]kx¿ @&(,!*$=(^

Jofh ltg'{ kg]{ lgIf]kx¿ !!,%)),*)$=@@

hDdf !!,&&(,(*(=!*

!#= Jofhb/ cGt/sf] cf};t ef/ M

ljj/0f b/ k|ltztdf

shf{ tyf nufgLdf ef/Lt cf};t Jofhb/ !)=%(

lgIf]k tyf ;fk6Ldf ef/Lt cf};t Jofhb/ &=)@

v'b cGt/ #=%&

!$= shf{ Psfu|tfsf] ;f/f+z M ¿= xhf/df

ljj/0f shf{ tyf ;fk6L ;+efljt bfloTj

cfiff9 d;fGt @)^^ ;Ddsf] hDdf /sd (,*#),*($=)! !,@%*,&(#=*@

Psn u|fxsdf ePsf] pRrtd Psfu|tf @#@,!#$=%^ !*^,)&&=%)

Psn u|fxsdf ePsf] pRrtd Psfu|tf k|ltzt @=#^ !$=&*


!% ;DklQ tyf bfloTj M ¿= nfvdf

ljj/0f !–() lbg (!–!*) lbg !*!–@&) lbg @&!–#^% lbg ! jif{ dfly hDdf /sd

s_ ;DklQ!= gub df}Hbft @,&(^=&^ @,&(^=&^

@= a}s df}Hbft (,&#^=^^ (,&#^=^^

#= ljb]zL a}+sdf nufgL !,)$^=^( !,)$^=^(

$= ;/sf/L ;'/If0f -6«]h/L ljN;_ $,#*#=$) @,*)#=#! &,!*^=&!

%= g]=/f=a+}= j08 –

^= cGt/ a}+s ;fk6L !),^%$=@% #,!@*=@! !#,&*@=$^

&= shf{ tyf ;fk6L÷ljN; vl/b $,(!$=#* &,*^#=)@ !(,^%&=%$ @!,^@#=@( $$,@@(=$^ (*,@*&=&)

s"n ;DklQ ##,%#@=!$ !),((!=@@ !(,^%&=%$ @$,$@^=^! $$,@@(=$^ !#@,*#^=(*v_ bfloTj!= ;fk6L %,#(#=^$ %,#(#=^$

@= rNtL lgIf]k !@,%*$=)* #!,@@$=!* $#,*)*=@^

#= art lgIf]k $,)#^=^# !^,!$^=%# @),!*#=!^

$= d'2tL lgIf]k *,!(^=## (,@(^=#$ !*,$)!=%( !@,&&$=(@ %,!#(=$@ %#,*)*=^)

%= C0f kqx¿

s"n bfloTj #),@!)=^* (,@(^=#$ !*,$)!=%( !@,&&$=(@ %@,%!)=!# !@#,!(#=^^v"b ljQLo ;DklQ #,#@!=$^ !,^($=*( !,@%%=(% !!,^%!=^* -*,@*)=^&_ (,^$#=#@v"b ;+lrt ljQLo ;DklQ #,#@!=$^ %,)!^=#% ^,@&@=#) !&,(@#=(( (,^$#=#@

!^= g]kfn n]vf dfkb08 !^ cg';f/ v'nfpg' kg{] Ma}+ssf] k|d'v Joj:yfklso kbflwsf/Lx¿nfO{ cf=j=@)^%÷^^ df ¿=!!,)$),))) dfq sd{rf/L ;'ljwf cGt{ut e"QmfgL ul/Psf] 5 .a}+ssf] k|d'v Joj:yfklso kbflwsf/Lx¿nfO{ uf8Lsf] ;'ljwf k|bfg ul/Psf] 5 .

k|d'v Joj:yfklso kbflwsf/Lx¿df k|d'v sfo{sf/L clws[t, dxfk|jGws tyf gfoj dxfk|jGwsnfO{ ;dfj]; ul/Psf] 5 . a}+ssf];+rfnsx¿nfO{ a}+7s eQf dfq pknJw u/fOPsf] 5 .

!&= a}+sn] cfˆgf] ;DklQ lwtf] /fvL s'g} ;fk6L lnPsf] 5}g .


PRIME COMMERCIAL BANK LIMITED

Disclosures under BASEL II as at 31.03.2066

1. Capital Structure and Capital Adequacy

> Tier 1 capital and a breakdown of its components:

Core Capital (Tier I) Amount (Rs.)

a. Paid up capital 700,000,000.00

b. Calls in Advances 163,755,000.00

c. Proposed Bonus Share 100,000,000.00

d. Statutory General Reserve 34,143,817.48

e. Retained Earnings 31,305,581.03

Sub-total 1,029,204,398.52

Less: Fictitious Assets -

Total Core Capital (Tier I) 1,029,204,398.52

> Tier 2 capital and a breakdown of its components:

Supplementary Capital (Tier II) Amount (Rs.)

a. General Loan Loss Provision 98,308,940.08

b. Exchange Equalisation Reserve -

Total Supplementary Capital (Tier II) 98,308,940.08

> Detailed information about the Subordinated Term Debtswith information on the outstanding amount, maturity,amount eligible to be reckoned as capital funds: Nil

> Deductions from Capital Nil

> Total Qualifying Capital 1,127,513,338.60

> Capital Adequacy Ratio 10.38%

> Summary of the Bank’s internal approach to assess the adequacy of its capital to supportcurrent and future activities:

a. Internal audit department regularly monitors the adequacy of the capital.

b. The capital adequacy is also monitored by the management and Board of Directors on periodic basis.

> Summary of the terms, conditions and main features of all capital instruments , especially incase of subordinated term debts including hybrid capital instruments Nil


2. Risk Exposures

> Risk weighted exposures for Credit Risk, Market Risk and Operational Risk

Risk Weighted Exposure Amount (Rs.)

a. Risk weighted exposure for Credit Risk 10,383,905,643.60

b. Risk weighted exposure for Operational Risk 448,886,820.71

c. Risk weighted exposure for Market Risk 30,147,752.71

Total Risk Weighted Exposure 10,862,940,217.02

> Risk weighted exposure under each of 11 categories of

Credit Risk Claim RW E

1 Claims on Govt. and Central Bank 1,709,420,315.94 -

2 Claims on other Financial Entities - -

3 Claims on Banks 1,661,978,833.22 335,981,850.66

4 Claims on Corporate and Securities Firm 6,288,718,557.53 6,156,572,446.92

5 Claims on Regulatory Retail Portfolio 1,040,944,242.43 568,031,902.17

6 Claims secured by Residential Properties 840,552,572.39 504,331,543.43

7 Claims secured by Commercial Real State - -

8 Past due Claims - -

9 High Risk Claims 1,483,722,681.61 1,814,069,042.42

10 Other Assets 276,053,353.82 172,691,570.43

11 Off balance sheet items 1,969,107,048.12 832,039,787.57

> Total risk weighted exposure calculation table:

Risk Weighted Exposure Amount (Rs.)

a. Risk weighted exposure for Credit Risk 10,383,905,643.60

b. Risk weighted exposure for Operational Risk 448,886,820.71

c. Risk weighted exposure for Market Risk 30,147,752.71

Total Risk Weighted Exposure 10,862,940,217.02

> Amount of NPAs Nil

> N PA ratios Nil

> Movement of Non Performing Assets Nil

> W rite off of Loans and Interest Suspense Nil


> Movements in Loan Loss Provisions and Interest Suspense

Loan Loss Provision

Particulars Opening Balance Closing Balance Movement

Pass Loan 51,559,710.00 98,308,940.08 90.67 %

Interest Suspense

Particulars Opening Balance Closing Balance Movement

Interest Suspense 17,926.00 1,434,941.64 7,904.81 %

Details of Additional Loan Loss Provisions

Particulars Opening Balance Closing Balance Additional LLP

Pass Loan 51,559,710.00 98,308,940.08 46,749,230.08

Segregation of investment portfolio into Held for trading, Held to maturity and Available for salecategory

All investments are held to maturity.

3. Risk Management Function

Types of eligible credit risk mitigants used and the benefits availed under CRM

Eligible credit risk mitigants Benefits taken under CRM (Rs.)

Deposits with bank 100,516,110.61

Deposits with other BFI 17,640,000.00

Gold 640,928,147.67


Risks Management Function in the Bank

Banking business is all about managing various risks inherent to the business for achieving its objectivesthrough appropriate trade off between risk and return. The banking business has various inherent risks viz.Credit risks, Market risks and Operational risks. The bank’s risks management is based upon following strategies:

· Identifications of various risks;· Clear understanding of various risks;· Proper assessment of the risks;· Monitoring and managing of risks

PCBL has its plan, policies, manual and working methodology in place to manage all kinds of risks inherent inthe Banking business.

To manage various banking risks, PCBL has established different control mechanisms including segregation ofduties amongst the staffs, formation of various directors and management level committees for different functionsand appropriate delegation of authorities to such committees. Apart from that the bank has strong reportingsystem to minimize the banking risks.

Credit Risks

Credit risk reflects the potential inability of a borrower to repay a loan according to the established terms andconditions of the loan agreement. The bank monitors and manages credit risks for individual borrowers as wellas in portfolio level. The bank periodically reviews credit concentration on different economic sectors anddiversifies its credit portfolios to minimize credit risks.

In order to manage credit risks, PCBL has established sound credit appraisal system and formation of committeeswith at least three members in various levels of approval of final credit disbursement. The bank has CreditPolicy Guidelines and other consumer loan product papers approved by the Board of Directors and are strictlyfollowed during disbursement of any credit. Credit officers conduct regular site visit to borrower’s businessbefore and after disbursement of credit which has supported to establish sound credit risks managementsystem in the bank. The bank performs analysis of market trend including business trend, value of collaterals/security and adjust in its policy accordingly to minimize any credit risks.

Apart from that the bank has developed document checklist of all required financial and legal documents foreach credit file to monitor all kinds of legal risks.

Market Risks

Market risks are the risks of loss resulting from change on interest rates, foreign currency exchange etc. PCBLhas established ALM policy approved by the Board of Directors to monitor the Market Risks. Under the ALMpolicy, the bank has set up Asset Liability Management Committee chaired by Chief Executive Officer to managethe Market Risks. The committee periodically discussed on the market trend, liquidity position of the bank,interest rates to manage all market related risks. The bank periodically performs gap analysis of its Assets andLiabilities to manage its liquidity risks. The bank manages exchange risks through positions limits for variousforeign currencies.

The bank has also made adequate liquid investment to avoid any kind of liquidity crisis. The bank also performsgap analysis to monitor interest rate risks. The bank limits its exchange rate risk by stipulating position limit forvarious foreign currencies.

Operational Risks

Operational risks are the risks resulting from inadequate/weak internal control process in credit procedures,operational procedures and /or fraud resulting in losses. Operational risks in general covers all kinds of risks


except credit and market risks. It can be caused through internal as well as external factors. Operational risksin the bank are managed through establishment of strong internal control system within the organization. Thebank follows operational manual and other procedures approved by the Board of Directors to manage theoperational risks.

The internal control system of the bank is managed in different levels with a principal of segregation of dutiesamongst the staff. The bank has strong internal audit department to review the internal control system of thebank and ensure that the approved policies / procedures are strictly followed.

The structure of internal control system and risk management function:

1) Operator Level

Operator level executes the transaction as per the defined procedures for the activity. For each activity theauthority limit has been imposed according to the level of staff and nature of the activity. The rights and authoritygiven to the operators in IT system commensurate with the nature of job entrusted to them. For each activitythere is a presence of audit trial.

2) Officers/ Managers Level

· All the transactions (except deposits and payment up to certain limit) executed by the operators areindependently verified at this level.

· Ensure that all the transactions are executed within the authority limit delegated and as per the definedprocedures.

3) Executive Management Level

· At this level the risk associated with the various natures of activities are identified.· Set appropriate Internal Control policies.· Implement the defined control measures to minimize the risks.· Review the control reports and exceptions report generated by the system everyday.

4) IT Manager

The IT Manager is responsible for monitoring system risk and IT related risks.

5) Internal Audit

· The Internal Audit function provides an independent assessment of the adequacy of, and compliancewith, the organization’s established policies and procedures.

· At this level, the internal control performed on each type of transaction is examined. Its effectiveness ischecked.

· Review the management and financial information system.· Review the accuracy and reliability of the accounting record and financial reports.· Recommend to correct the weaknesses / lacks in the internal control system.

6) Audit Committee / Board of Directors

· Review the overall internal control system.· Monitor the adequacy and effectiveness of internal audit system.· Prepare action plan on the basis of the internal audit report and external audit report in order to strengthen

the internal control system of the organization.


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bkmf ^ -v_ a}sn] tTsfn hf/L ug]{z]o/ k"FhL ¿= @,@),)),)),)))÷–-b'O{ c/a la; s/f]8_ x'g]5 . ;f] k"FhLnfO{¿= !))÷– b/sf @,@),)),))) yfg;fwf/0f z]o/df ljefhg ul/Psf]5 .

bkmf ^-u_ a}+ssf] tTsfn r'Qmf ug{sa'n u/]sf] k"FhL ¿= @,@),)),)),)))÷–-b'O{ c/a la; s/f]8_ x'g]5 .

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af]g; z]o/ tyf xsk|b z]o/ hf/Lu/L a}+ssf] k""FhL a[l4 ug{ .

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l;= g= xfnsf] Joj:yf k|:tfljt ;+zf]wg ;+zf]wg ug'{ k/]sf] sf/0f

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